Our sustainability approach

As a purpose-led business, we aim to run our business in a way that supports our customers, our people, the communities we operate in, and the environment to thrive. Here’s how we’re working to achieve that.

Reducing our operational emissions

We've been working to reduce our operational emissions since 2018. These are the emissions we generate by doing business, and exclude our financed emissions (which are the emissions resulting from the customer activity we finance, or from investments Kiwibank may make).

In 2025, we've reduced our emissions by 32% against a 2021 base year. We've set targets to 2030 to help us continue to reduce and manage our remaining emissions.

  1. 1
    Tahi

    Electrifying our fleet

    By 2030, we want to reduce emissions from the fuel consumed by our fleet by 100%. This means transitioning all of our fleet to electric vehicles. As at 2025, we've already transitioned 81% of our fleet.

  2. 2
    Rua

    Choosing renewable energy

    By 2030, we want to purchase renewable energy certificates for all of our electricity consumption.

  3. 3
    Toru

    Reducing other emissions

    By 2030, we're targeting a 25% reduction across emissions generated by our business travel, commuting, and other activity in our value chain.

Responding to the climate challenge

We’re working to understand the impact climate change will have on our business and customers, and developing strategies to manage it.

Our 2025 Climate Statement reports in detail on the work we’re doing to understand and prepare for the potential impacts of climate change, on us and on our customers.

Our climate readiness work is guided by our Purpose of Kiwi making Kiwi better off. It's also built around two objectives:

  1. Building our own climate resilience so we can continue to deliver on our Purpose
  2. Understanding the emerging needs of our customers as they transition to a low-emissions, climate-resilient future, so we know how best to support them.

Our 2025 Climate Statement details:

  • How we're positioning ourselves to transition to a low-emissions, climate resilient future
  • The current impacts of climate change to our business
  • The climate risks and opportunities we’ve identified, and their potential impacts
  • Our process for identifying climate risks and opportunities, including climate scenario analysis
  • Our climate-related governance framework
  • Our tools and methods for managing climate risks
  • Targets we use to measure and manage our climate change response.

Read our reports

Sustainability Reports

Our Sustainability Reports outline our performance each year against our Purpose and Sustainability Goals, and how we're working to make tamariki, Aotearoa New Zealand and Kiwi better off.

Sustainability Report 2025

Sustainability Report 2024

Sustainability Report 2023

Sustainability Report 2022

Sustainability Report 2021

Climate Statements

Our Climate Statements, prepared in compliance with the Aotearoa New Zealand Climate Standards, explain how we’re working to identify, assess and manage the risks and opportunities that climate change presents to us.

Climate Statement 2025

Climate Statement 2024

Get in touch with our team

Email us

If you’d like more information about our sustainability work or have ideas on how we can improve, email sustainability@kiwibank.co.nz and we'll be in touch.