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Otti Bisang

UNEP FI – Best Practice Unternehmensbeispiele der Credit Suisse Group. Otti Bisang. ÜBERSICHT. UMSETZUNG UNEP-ERKLÄRUNG VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT MICROFINANCE ÖKORISIKEN BEI FIRMENKREDITEN. ÜBERSICHT. UMSETZUNG UNEP-ERKLÄRUNG

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Otti Bisang

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  1. UNEP FI – Best Practice Unternehmensbeispiele der Credit Suisse Group Otti Bisang

  2. ÜBERSICHT • UMSETZUNG UNEP-ERKLÄRUNG • VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT • MICROFINANCE • ÖKORISIKEN BEI FIRMENKREDITEN

  3. ÜBERSICHT • UMSETZUNG UNEP-ERKLÄRUNG • VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT • MICROFINANCE • ÖKORISIKEN BEI FIRMENKREDITEN

  4. UMSETZUNG UNEP-ERKLÄRUNG VERPFLICHTUNG ZU NACHHALTIGER ENTWICKLUNG • ICC (1991) • UNEP-Erklärungen 1992/1995 • Umweltpolitik 1995/1998/2002 • Code of Conduct 1999/2004 • Global Compact (2000) • Equator Principles (2003)

  5. UMSETZUNG UNEP-ERKLÄRUNG UMWELTMANAGEMENT UND FINANZINSTITUTE • Umweltmanagement zertifiziert nach ISO 14001 (1997-2000-2003-2006) • Umwelt-/Nachhaltigkeitsberichterstattung validiert • DJSI / FTSE4Good / imug … • VfU-/EPI-/SPI-Standards • Zertifizierung der Zulieferer gefördert • Kontakte zu Universitäten und Hochschulen

  6. Financial Returns Eco-technology Funds (e.g. Prime New Energy) Sustainability Funds (e.g. CS Global Sustainability) Ethical Funds (e.g. CS Fellowship Fund) Microfinance Foundations Social Returns UMSETZUNG UNEP-ERKLÄRUNGSOCIALLY RESPONSIBLE INVESTMENT PRODUCTS • Studies show that upper-tier affluent clients in particular are looking for “moral well-being” in their investments • Venture philanthropy emanating trend from the United States

  7. UMSETZUNG UNEP-ERKLÄRUNG ÖFFENTLICHKEIT UND KOMMUNIKATION • Jährliche Berichterstattung seit 1994 • Mitgliedschaften (UNEP, öbu, Engaging Stakeholder Program, …) • Aktive Mitarbeit in inter-/nationalen Arbeitsgruppen • Regelmässiger Dialog mit NGO und kritischen Shareholders • Bewusste Netzwerkpflege (Brown Bag Lunches, …)

  8. UMSETZUNG UNEP-ERLÄRUNGSUSTAINABILITY REPORTING – QUO VADIS ? Sustainability Reports EcoPerformance Reports Environmental Reports Integration into Annual Report? Image brochure? www.credit-suisse.com/sustainability

  9. UMSETZUNG UNEP-ERKLÄRUNGINCREASING PROFESSIONALISM OF NGOs Need for more intense dialoge Increasing demand for transparency and more detailed knowledge about the transactions Rising risk that something may go sour

  10. ÜBERSICHT • UMSETZUNG UNEP-ERKLÄRUNG • VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT • MICROFINANCE • ÖKORISIKEN BEI FIRMENKREDITEN

  11. VOM UMWELT- ZUM SUSTAINABILITY MGMTSUSTAINABILITY AFFAIRS – MAIN TASKS • Annual sustainability reporting as part of CSG’s corporate reporting • Identifying and reporting internally on social and environmental trends and issues that might havea significant positive or negative impact on our business and/or reputation • Cooperating with internal departments and specialists worldwide and acting as a coordinator in order to formulate a Group position or to take action on sustainability issues • Maintaining contacts with Non-Governmental Organizations (NGOs) and helping to cultivate relations with sustainability-oriented shareholders to protect brand • Maintaining a solid environmental management system (ISO 14001)

  12. SUSTAINABILITY GOVERNANCE NEW PHASE – IMPROVED STRUCTURE • Formation of a Sustainability Committee* – including members with business and specialist know-how – to ensure: • broad buy-in on complex, diverse, inter-disciplinary and often controversial sustainability topics • consistent Group positions • informed decision-making • recognition of spill-over effects between different business areas and geographical regions • Committee will comprise a small group of senior managers from risk management and business development functions from the Business Units as well as the Group Corporate Center • Two meetings per year • Regular reporting of current sustainability issues to Group Executive Board and Board of Director’s Risk Committee * to replace Environmental Executive Board which was established in accordance with Directive W-0011

  13. SUSTAINABILITY GOVERNANCESTRUCTURE CEO • Highest decision-making authority BoD / RC Sustainability review Sustainability Committee Strategy and policies • Determine CSG’s strategy with respect to environmental and social issues • Define priorities, policies and Group positions; define and control annual objectives Implementation • Ensure implementation of and compliance with CSG’s environmental policy and sustainability commitments • Decide on environmental/social issues which cannot be resolved at BU level • Endorse environmental management review as part of ISO 14001 process Competence Center Sustainability Affairs Support Sustainability Committee through: • Monitoring of trends/competitors • Coordination of projects • Internal consulting and support • Reporting • Links to related internal committees (GxB, Public Policy Board, CSFB Reputation Risk Committee)

  14. ÜBERSICHT • UMSETZUNG UNEP-ERKLÄRUNG • VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT • MICROFINANCE • ÖKORISIKEN BEI FIRMENKREDITEN

  15. MICROFINANCE A PROMISING INVESTMENT THEME Driving forces: • Globalization: benefits are not equally distributed – rich countries benefit more than poorer nations • Number of people that live in poverty is increasing: 3 billion people live on less than USD 2 a day • Access to capital is a key factor for economic development • Global players are expected to accept broader responsibilities • 2005: UN Year of Microcredit • Microfinance is a need we address as a financial intermediary to improve living conditions in developing countries • Many HNWIs believe wealth also brings about responsibilities -> we enable them to act on this

  16. responsAbility Global Microfinance Fund Microfinance – Banking for the ‘unbankable’ A new investment idea for the benefit of Credit Suisse Private Banking, customers and society responsAbility Social Investment Services AG www. responsAbility.ch Slide 16

  17. responsAbility Global Microfinance FundFinancial characteristics • Absolute positive return target • Reflects interest rate environment (mostly floating rates – 6 months LIBOR) • Additionally some growth potential added through cautious blend with limited equity investments • Expected net return (after cost) for investor in current interest environment: approx. 2 % p.a. in USD (+/- 0.5 %) = approx. LIBOR + 1% • Valuation rules according to fixed deposits = low risk due to interest rate changes responsAbility Social Investment Services AG www. responsAbility.ch Slide 17

  18. responsAbility Global Microfinance FundOne investment – multiple benefits CSPB and CSG • sales commission • less capital drain through donations • customer loyalty • differentiation • door opener • positive image effect Society • contribution to poverty alleviation • higher income for active poor • USD 100,000invested • ~150 entrepreneurs reached • ~600 family members have better food, health, education Customers • absolute returns • LIBOR + ~1% • very short duration • improves diversification • tool to act responsibly • helps to enjoy wealth responsAbility Social Investment Services AG www. responsAbility.ch Slide 18

  19. ÜBERSICHT • UMSETZUNG UNEP-ERKLÄRUNG • VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT • MICROFINANCE • ÖKORISIKEN BEI FIRMENKREDITEN

  20. ÖKORISIKEN BEI FIRMENKREDITENZEITLICHE ENTWICKLUNG • 1992: Weisung 1.0 - Kredite > CHF 10 Mio / EUR 7 Mio • 1994: Weisung 2.0/1 - Fachstelle Öko-Risiken (1-3 Personen) - Schulungen - Checklisten • 2003: Weisung 3.0 - Outsourcing Fachstelle Ökorisiken - First Level Support - Ausbau Intranet

  21. ÖKORISIKEN BEI FIRMENKREDITEN PROZESS

  22. ÖKORISIKEN BEI FIRMENKREDITEN INTRANET (1/2) Ablauf und Hilfsmittel • Ablauf des Prüfverfahrens • Checkliste Altlastenrisiko für eine Kurzanfrage an PricewaterhouseCoopers • Umweltrelevante Brancheninformationen (Merkblätter) • Altlastenrisiko – Branchenliste • Ökologisch exponierte Branchen • Argumentarium für den Kundenverantwortlichen • Adressen der Ämter für Altlastenkataster • Formular Altlastenverdachtsflächenkatasterauszug • Preisliste

  23. ÖKORISIKEN BEI FIRMENKREDITEN INTRANET (2/2) Fachwissen zu Umweltrisiken • Web-PAT Ökorisiken • Interpretation Altlastenverdachtsflächenkataster • Stand der Altlastenverdachtsflächenkataster per 30.06.2001 • Ökologisch exponierte Branchen • Umweltrelevante Begriffe • Umweltrelevante Brancheninformationen • Fallbeispiele • Altlastenproblematik beim Liegenschafterwerb • Besteuerung von Liegenschaften mit Altlasten • Umweltlabels

  24. CREDIT SUISSE GROUPSUSTAINABILITY AFFAIRS For further information please visit www.credit-suisse.com/sustainability or www.credit-suisse.com/sustainable-investments or contact: Environmental Advisor Otti BisangSustainability Affairs (GCBS)P.O. Box 1CH-8070 Zurich/SWITZERLANDTel. +41 44 33 22 609otti.bisang@credit-suisse.com

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