NatWest Group is a UK-focused bank, serving over 20 million customers, with businesses across retail, commercial and private banking markets.
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We have an ambition to be net zero across our financed emissions, assets under management and our operational value chain by 2050, aligned with the UK’s legal commitment to be net zero by 2050, and by 2030, to at least halve the climate impact of our financing activity, against a 2019 baseline, supported by sector targets.
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“Crucial to the fulfilment of our strategy and our purpose is the imperative to think and act in a long-term, sustainable way, enhancing NatWest Group’s resilience and helping create value for our stakeholders.”
The case studies included on our website are intended for illustrative purposes only. They are provided to demonstrate potential outcomes and should not be construed as definitive evidence. The content and reliability of these case studies are not the responsibility of NatWest Group and we make no representations or warranties regarding their accuracy. The opinions, conclusions and views expressed in these case studies are solely those of the individuals or companies who provided them and do not necessarily reflect the views or policies of NatWest Group. Readers are advised to exercise caution and to assess the relevance and applicability of these case studies and seek independent verification when relying on the case studies included on this website.
Case Study
In 2024, Together Housing Group (THG) announced a significant investment in sustainable upgrades to its portfolio of more than 38,000 properties across Yorkshire, Lancashire and the North Midlands thanks to a £50 million funding boost from NatWest Group.
THG is the first affordable housing association to secure funding through our new Green Housing Retrofit Loan pilot scheme. The pioneering deal marked the first successful completion of a use of proceeds loan in the UK affordable housing sector by any UK bank.
The loan, which aligns with LMA Green Loan Principles, enables THG to support the installation of ground and air source heat pumps, as well as to deliver both deep and light retrofit improvements such as the replacement of cladding, roofs and windows to improve thermal and energy efficiency across its network of socially rented properties spanning 30 local authorities.
Working in partnership with NatWest Group’s ESG Advisory team to confirm the efficiency ratings of the planned upgrades, the investment will allow customers to benefit from a significant reduction in energy bills while lowering THG’s emissions across their property portfolio.
Mark Dunford, Executive Director of Finance and Commercial at Together Housing Group, added: ’We’re proud of the progressive steps we’ve taken so far towards achieving our ambitious net-zero priorities and we are thrilled to be the first social housing association to receive this valuable funding.’
‘Our carbon reduction strategy puts residents at the forefront as we strive to make essential retrofit adaptations to properties, ensuring they remain energy efficient for the benefit of current and future residents.’
As part of FirstGroup’s ambition to become net zero by 2050, the company is working towards having a zero-emission bus fleet by 2035.
They partnered with Hitachi Europe in 2021,(1) to help First Bus (part of FirstGroup) deliver a decarbonisation project at its flagship Glasgow Caledonia depot. The successful outcome of that project led to a joint venture between FirstGroup and Hitachi to support wider fleet transition.
In 2024, NatWest Group participated in a standalone syndicated debt facility to fund 1,000 batteries. The transaction provided FirstGroup and Hitachi with the flexibility to manage the battery delivery, their ongoing operation, and eventual replacement.
NatWest Group supported FirstGroup with a 12-year syndicated loan facility of £91 million to fund up to 1,000 bus batteries on a standalone basis. The batteries were then leased back to First Bus operating entities. We also acted as sole hedge coordinator for the associated interest rate swaps.
Additionally, FirstGroup invited NatWest Group to participate in a separate three-bank syndicate Hire Purchase (HP) facility to finance the purchase of electric bus husks (effectively the vehicle chassis and drivetrain, excluding the battery). This HP facility totalled £150 million, with NatWest Group providing a £50 million commitment to the business. The facility, together with the help of government grant funding through the ScotZeb scheme (Scottish Zero Emission Bus Challenge Fund) and the equivalent Zebra (Zero Emission Bus Regional Areas) scheme in England, supported FirstGroup in expanding their EV fleet in a managed way.
(1) NextGen AssetCo is a 50:50 joint venture between FirstGroup plc and Hitachi Ltd (including wholly owned subsidiaries Hitachi Europe Limited and Hitachi Rail Limited). NextGen AssetCo will purchase the batteries, which will then be leased to FirstGroup Energy Limited.
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