1

Eco-criteria for investment decision-

making

2

Criteria (+): activities to encourage

Bio-pesticides Bio-control

Bio-fertilisers Renewable energies

Efficient energy Clean fuel

Aquaculture Organic agriculture

Health & safety Environmental

management

Pollution control Pollution prevention

Recycling Waste management

Reforestation Eco-tourism

Eco-data access Corporate eco-

donations

Eco-education Nomad forest products

3

Sectors of major concern:

Energy and Mines Petroleum and Chemicals Agribusiness Transportation Recycling Eco-Tourism

Where CP can highly contribute to reduce risk and increase efficiency and profitability

4

Energy

Risks– Atmospheric emissions– Water contamination– Acoustic pollution– Safety

Opportunities– Alternative energies– Cost reduction

5

Mining

Risks– Environmental: air and water

pollution– Occupational: health and safety

Opportunities– Genuine wealth creation– Production of quality durable goods

6

Agribusiness

Risks– Solid waste – Water and ground contamination– Public health

Opportunities– Organic Brands and distribution

channels– Exportation opportunities through

international standards

7

Banks’ requirements to obtain services in

Environmental risk assessment of business activities

Environmental footprint of investments, guaranties, leasing

Training for local bank staff

Development of new eco-products (capital risk investment fund, forest funds)

Identification of new business opportunities within client database

8

Competitive banking

“In today's hyper-competitive financial services environment, incremental improvement is no longer enough.

To be successful, firms need to undertake massive change - a fundamental reinvention of their strategies and operations that will allow them to delight customers, exceed investor expectations, and attract and retain the best and the brightest professionals.”

Reinventing FINANCIAL SERVICES

Succeeding With Corporate Transformation

Deloitte Consulting and Deloitte & Touche

2001

9

Sustainable banking: trends

Avoid eco-risks, identify eco-business opportunities;

Internalise environmental costs & debts in company’s decision-making;

Total environmental accounting;

Capital markets increasingly value “green” capital;

Use of eco-criteria in decision-making;

New financial eco-products (eco-funds, eco-mortgage, renewable energy credits);

CP: prevention is better than end-of-pipe solutions

Efficient use of resources (water, energy);

Fewer, bigger banks.

10

Dow Jones Sustainability World Index

Dow Jones Sustainability World Index

Dow Jones Global Index (USD, Price Index)

330.00

280.00

230.00

180.00

130.00

80.00

12/93 6/94 12/94 6/95 12/95 6/96 12/96 6/97 12/97 6/98 12/98 6/99 12/99 6/00 12/00 6/01

11

Financial eco-innovations

Personal banking Corporate banking

Eco-mortgage Eco-shares

Eco-autos Eco-financial derivatives

Home-office: 2x1 ESCO, Energy Service Co

Eco-savings Build, Operate, Transfer

Eco-leasing Eco-loans

Swap for debt Eco-credit cards

Eco-investment funds