Sustainable Banking The Greening of Finance 1st Edition by Jan Jaap Bouma, Marcel Jeucken, Leon Klinkers 1351282376 9781351282376

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ISBN-10 :  1351282376 

ISBN-13 :  9781351282376

Author:  Jan Jaap Bouma, Marcel Jeucken, Leon Klinkers 

This comprehensive addition to the debate on sustainable development has been produced in order to take a global pulse on how the financial services sector is responding to the growing challenge of shareholder and stakeholder expectations on social and environmental performance. In the opinion of many commentators in this new book, given the intermediary role banks play within economies, their potential contribution toward sustainable development is enormous. Indeed, for banks, the conclusion that corporate sustainability has become an investable concept that increases long-term shareholder value is becoming difficult to deny.To date, banks have been relatively slow to examine their exposure to risk (the environmental and social performance of their clients) and the business opportunities of sustainable development (the products and services they offer). 

Sustainable Banking The Greening of Finance 1st Table of contents:

1. The changing environment of banks
1.1 The role of banks
1.2 The environmental impacts of banking
1.2.1 Internal
1.2.2 External
1.3 Driving forces to take action
1.4 Actions taken by banks
1.5 The role of governments in sustainable banking
1.6 The dynamic and changing role of banks
PART 1: The Environmental Policies of Banks
2. Sustainable banking at UBS
2.1 Investment banking: environment demands a long-term perspective
2.1.1 Environmental risk management processes in investment banking
2.1.2 What are the benefits?
2.2 Environmental opportunities in asset management
2.2.1 Efficient use of resources leads to economic and environmental benefits
2.2.2 The screening and evaluation process
2.2.3 The plausibility check: external analysis adds social corporate responsibility criteria
2.2.4 Broad diversification by sector and country generates attractive results
2.2.5 Eco Performance portfolios are attracting increasing attention
2.3 Future trends in banking: the Kyoto Protocol
2.3.1 The Kyoto Mechanisms
2.3.2 How will this affect the financial sector?
2.3.3 Remaining challenges
2.4 Conclusion
3. A green package to promote environmental management systems among SMEs
3.1 The launch of ‘Project Environment’
3.1.1 The analysis phase
3.2 Operation ‘EMS Certification’
3.3 Future developments
3.4 Conclusions: a new role for the bank
4. Sustainable banking and the ASN bank
4.1 A brief history of ASN Bank
4.2 Ethical assessment
4.3 Our (speciality) products
4.4 The role of ASN Bank in a sustainable banking sector
4.5 The role of ASN Bank in the future
5. Assessing the sustainability of bank service channels: the case of The Co-operative Bank
5.1 The Co-operative Bank partnership approach
5.2 Background to the service channel project
5.3 The Bank’s service channels
5.3.1 Characteristics of service channels
5.4 Ecological and social impacts of service channels
5.5 Selection of ecological and social indicators
5.6 Summary of impacts and final set of indicators
5.6.1 Construction, maintenance and location of premises
5.6.2 Information and communication technologies (ICT)
5.6.3 Energy
5.6.4 Transport
5.6.5 Paper use
5.6.6 Use of plastic cards
5.6.7 Financial inclusion
5.6.8 Convenience and quality of service
5.6.9 Personal contact
5.6.10 Security and rights of privacy
5.6.11 Job security
5.6.12 Working conditions
5.6.13 Local economic development
5.6.14 Sound sourcing
5.6.15 Co-operative movement inclusion
5.7 Next steps
5.8 Conclusion
6. Grameen Shakti: financing renewable energy in Bangladesh
6.1 Why does Grameen Shakti focus on renewables?
6.2 How does Grameen Shakti achieve its goals?
6.2.1 Programmes
6.2.2 Financial credit policies
6.3 The programmes: progress to date
6.3.1 Solar home systems programme
6.3.2 Wind power programme
6.3.3 Hydro power programme
6.3.4 Biodigester programme
6.3.5 R&D and technology transfer programme
6.3.6 Training programme
6.4 Conclusion
7. Assessing the ‘triple bottom line’: social and environmental practices in the European banking sector
7.1 ‘Best-in-class’ banks
7.2 The model bank
7.3 Environment
7.3.1 Sustainable banking
7.3.2 Good housekeeping
7.4 Overseas operations
7.4.1 Human rights
7.4.2 Burma
7.4.3 Third world debt
7.5 Community involvement
7.5.1 Access to banking
7.5.2 Charitable giving and community involvement programmes
7.6 Business practices
7.6.1 Disclosure in general
7.6.2 Money laundering versus secrecy laws
7.7 Disclosure case study: retrospective liabilities
7.7.1 The role of European banks in their dealings with the Nazis
7.7.2 Summary of case study
7.8 Conclusion
8. Sustainable banking in Austria
8.1 Austria’s route to sustainable banking
8.1.1 Kommunalkredit AG
8.1.2 Raiffeisen Landesbank Wien (RLB)
8.1.3 Österreichische Nationalbank (OeNB)
8.2 Conclusion
9. Environmental attitudes of banks and financial institutions
9.1 Financial institutions and the environment
9.2 The banks’ impact on environmental performance of businesses
9.3 Conclusion
10. Banks and environmental practices in Bangkok Metropolitan Region: the need for change
10.1 The survey
10.1.1 Environmental management in Thai banks
10.1.2 Environmental credit risk assessments
10.1.3 Green products and services
10.2 A lack of environmental drivers
10.3 The changing scenario
10.4 Conclusion
PART 2: Transparency and Communication
11. Reporting on the environment: current practice in the financial services sector
11.1 Introduction
11.1.1 Reporting guidelines
11.1.2 Scope and method of the study
11.2 Why report and to whom?
11.2.1 Communicating with stakeholders
11.2.2 Target groups
11.3 Reporting practices: issues reported and forms of reporting
11.3.1 General information
11.3.2 Environmental management
11.3.3 Operating ecology
11.3.4 Product ecology
11.3.5 Financial management
11.3.6 Stakeholder management
11.4 Conclusions and future trends
12. Making the link between environmental performance and shareholder value: the metrics of eco-efficiency
12.1 Banks look beyond liability to opportunity
12.1.1 Growing economies sustainably
12.1.2 Measuring eco-efficiency
12.1.3 Pilot programme
12.1.4 Cross-comparable indicators
12.1.5 Sustainability as an ‘investable’ concept
13. Transparency and the green investment market
13.1 A definition of ‘green investment’
13.2 The ecological usefulness of green investment
13.3 Green investment: the size and development of the market
13.3.1 Market development up to the present
13.3.2 Future development in the market
13.4 Transparency and visibility
13.4.1 Market visibility
13.4.2 Market transparency and the ‘claim’ of being green
13.5 Instruments to convey information on investments
13.6 Labelling
13.7 Conclusion
14. The corporate environmental performance–financial performance link: implications for ethical investments
14.1 The environmental–financial link: the theory
14.2 The environmental–financial link: empirical analysis
14.2.1 Data and methodology
14.2.2 Findings
14.2.3 Pitfalls in assessing corporate environmental performance
14.2.4 Case study: Triodos Added Value Investment Fund
14.3 Conclusion
Annexe 1: Empirical analysis
Annexe 2: Triodos Added Value portfolio
PART 3: Sustainable Investment Funds
15. Sustainable development funds: progress since the 1970s
15.1 Why are investors relevant for sustainable development?
15.2 Sustainable investment: the banks’ perspective
15.2.1 Investment procedures and products in an opportunity–threat scenario
15.2.2 Historical development of sustainable investment products
15.2.3 Product differentiation and integration into general policy
15.3 Outlook
16. The transition from environmental funds to sustainable investment: the practical application of sustainability criteria in investment products
16.1 Development of environmental funds
16.1.1 Volume trends
16.1.2 Performance trends
16.1.3 Summary
16.2 Transition from environmental to sustainable investments
16.2.1 The underlying concept
16.2.2 Sarasin environmental assessment
16.2.3 Sarasin social assessment
16.2.4 Analysis steps
16.2.5 Conclusion
16.3 Outlook
17. The Dow Jones Sustainability Group Index: the first worldwide sustainability index
17.1 What is different about sustainability investment?
17.2 The stock selection process: building a quantifiable concept
17.2.1 Corporate Sustainability Assessment methodology
17.2.2 Corporate Sustainability Assessment criteria
17.2.3 Corporate sustainability evaluation
17.2.4 Corporate Sustainability Monitoring
17.3 The index characteristics: a favourable risk–return profile
17.4 Conclusion
18. The Green Fund System in the Netherlands
18.1 The GFS mechanism
18.2 Finance company involvement in the environment
18.3 The origin of the GFS
18.4 The workings of the GFS
18.4.1 Founding a Green Fund
18.4.2 Arrangement of loans and designation of projects
18.4.3 How Green Funds get their money
18.4.4 Auditing in the GFS
18.5 The roles of the various stakeholders in the GFS
18.5.1 The public
18.5.2 Financial companies
18.5.3 Government
18.6 Types of project
18.6.1 GFS projects abroad
18.7 The future of the GFS
18.8 Conclusions
PART 4: Environmental Risk and Banks’ Products
19. Providers of financial services and environmental risk management: current experience
19.1 Types of environmental and associated risk
19.2 Environmental liability
19.3 Risk evaluation criteria
19.3.1 Character of environmental risks
19.3.2 Character of a customer
19.3.3 Character of environmental legal framework
19.4 Risk evaluation approaches
19.4.1 The standard ERM process
19.4.2 ERM tools
19.4.3 The role of environmental risk manager
19.5 Trends
19.6 Challenges ahead
20. Environment-induced systematisation of economic risks
20.1 Risks in investment decisions
20.2 Risk characteristics
20.2.1 Differentiation by decision period
20.2.2 Differentiation by interdependencies
20.2.3 Development of a risk matrix
20.3 Risk management instruments
20.4 Characteristics of environment-induced economic risks
20.4.1 Example: the greenhouse effect climate change
20.5 Instruments for managing environment-induced economic risks
20.5.1 Information instruments
20.5.2 Reserve accumulation
20.6 Conclusion
21. Estimating the financial effects of companies’ environmental performance and exposure
21.1 The approach explained
21.1.1 Building environmental scenarios for the US pulp and paper industry
21.1.2 Assessing firm-by-firm exposure to priority environmental issues
21.1.3 Analysing scenario-specific financial impacts
21.2 Example: control of nitrogen oxide (NOx) emissions
21.2.1 Scenarios
21.2.2 Exposures
21.2.3 Financial impacts
21.3 Deriving overall financial results
21.4 Are these exposures already incorporated into market valuations?
21.5 Potential applications
21.6 Policy recommendations
22. The Environment Handbook: a Danish tool for including environmental aspects in credit evaluation
22.1 The reason for an environmental handbook for banks
22.2 Structure of the handbook
22.3 Uses of the handbook
23. Corporate environmental assessment by a bank lender: the reality
23.1 Lloyds TSB: environmental commitments
23.1.1 Public environmental policy
23.1.2 Endorsing sustainable development
23.1.3 Reporting on commitments
23.2 The lending reality
23.2.1 Internal policy and procedural guidance
23.2.2 Expertise in lending contingencies
23.2.3 Policy modelling
23.2.4 Environmental credit risk assessment
23.3 Conclusion
PART 5: The Role of Government, NGOs and Multilateral Banks
24. The World Bank’s environmental assessment policies: review of institutional development
24.1 1970–1984
24.1.1 Policy
24.1.2 Management
24.2 1984–1989
24.2.1 Policy
24.2.2 Management
24.3 1989–1993
24.3.1 Policy
24.3.2 Management
24.4 1993–1998
24.4.1 Policy
24.4.2 Management
24.5 1999–present
24.5.1 Policy
24.5.2 Management
24.6 Findings
24.7 Next steps
24.8 Postscript
25. International financial institutions and the Three Gorges hydroelectric power scheme
25.1 Financing electricity projects in China
25.1.1 The Three Gorges Hydroelectric Power Scheme
25.2 The Export–Import Bank of the United States
25.3 Analysis of the Ex–Im Bank decision
25.3.1 Rethinking risk assessment
25.4 The role of stakeholders
25.5 The precautionary approach to environmental risk
25.6 In the wake of the Ex–Im Bank decision
25.7 Conclusion
26. The Hungarian Environmental Credit Line
26.1 The EBRD
26.2 Central and Eastern European overview
26.3 Creation of the Environmental Credit Line
26.3.1 Background
26.3.2 Budapest Bank
26.3.3 Goals and conditions of the ECL
26.4 Operation of the credit line
26.4.1 Sub-loan approval procedures
26.4.2 Environmental appraisals
26.5 Appraised projects
26.6 Case studies
26.6.1 Case 1. Gas production company: installation of a modern gas production facility
26.6.2 Case 2. Plastic waste processing company: collection and recycling plant
26.6.3 Case 3. Waste-processing plant: construction of iron-containing waste processing plant
26.7 Conclusions
27. The Growth and Environment Scheme: the EU, the financial sector and small and medium-sized enterprises as partners in promoting sustainability
27.1 Scope of the scheme
27.2 Operation of the scheme
27.3 Environmental eligibility
27.4 What has been achieved so far
27.5 Conclusion
28. An environmental fund with the WWF label: the importance of appropriate communication tools
28.1 Environmental research process for Swissca Green Invest
28.1.1 Exclusion criteria
28.1.2 Environmental performance analysis
28.1.3 Social criteria check
28.2 Communication tools
28.2.1 Brochures and other information material
28.2.2 Feedback link on the Internet
28.2.3 Environmental reports and questionnaires
28.2.4 Watchlist
28.2.5 Regular meetings with the Advisory Council
28.3 Conclusions
29. The role of the United Nations Environment Programme and the financial services sector
29.1 The motivation behind the initiative
29.2 The objectives of the UNEP initiatives
29.3 UNEP’s involvement in cleaner production: a case description
29.3.1 Constraints to CP investments
29.3.2 Possible solutions
29.3.3 UNEP’s project
29.3 Conclusion
Annexe 1: UNEP Statement by Financial Institutions on the Environment and Sustainable Development
Annexe 2: Signatories to the UNEP Statement by Financial Institutions on the Environment and Sustainable Development
30. Directing investment to cleaner energy technologies: the role of financial institutions
30.1 Why promote CETs?
30.2 Barriers to CETs, and instruments to overcome them
30.3 The ‘RET/EE Investment Advisory Service’
30.3.1 Purpose and objective
30.3.2 Activities
30.3.3 Why focus on the finance sector?
30.3.4 Examples
30.4 Conclusions
31. Sustainable finance for sustainable energy: the role of financial intermediaries
31.1 Financial barriers to the commercialisation of renewable energy
31.1.1 Current trends in development assistance for energy
31.1.2 Market conditions for renewable energy in developing countries
31.1.3 Barriers to implementation
31.1.4 PPAs, government policies and renewable energy enterprises
31.2 Surveying the landscape of development assistance
31.2.1 Philanthropy
31.2.2 Overseas development assistance
31.2.3 Multilateral development banks
31.3 Financial intermediaries: advantages, case studies and future prospects
31.3.1 Comparative advantages of financial intermediaries
31.3.2 Weaknesses and constraints of financial intermediaries
31.4 Conclusion
32. Can financial institutions contribute to sustainability?
32.1 Reducing the dissonance between what we value and how we behave
32.2 What does ‘sustainability’ really mean, and how does it impact on banking and finance?

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