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Inside the Net Zero Deposit Fund: David Reiling on Fixing Who Gets Capital Analytics Table

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David Reiling has spent 30 years proving that a bank can choose exactly who it serves and still turn a profit. As Chairman and CEO of Sunrise Banks and Board Chair of the Global Alliance for Banking on Values, he's built a bank where 60% of lending goes to low- and moderate-income communities, while also running a Net Zero Deposit Fund that channels depositors' money straight into carbon-reducing projects. In this episode, Tobi and Labake talk to David about: Why traditional credit scoring quietly locks people out of capital, and what Sunrise does differently The Net Zero Deposit Fund, and how a $10,000 deposit there roughly equals a year of EV driving in avoided emissions Financed emissions as a risk metric banks are only just starting to take seriously Where AI helps close the gap in financial inclusion, and where it just launders the same old bias into a new system Why he thinks the next decade of mission-driven banking depends on business, government and NGOs actually working together, not just saying they will If you've ever wondered whether "doing good" and "doing well" in banking are actually compatible, or just a line in an annual report, this one's worth the full listen. Guest: David Reiling, Chairman & CEO, Sunrise Banks sunrisebanks.com #SustainabilityPodcast #ImpactBanking #ClimateFinance #FinancialInclusion #CDFI

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