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Slide 1 Sustainability Affairs 02.09.04 / B. Schanzenbächer Otti Bisang UNEP FI – Best Practice Unternehmensbeispiele der Credit Suisse Group.

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Präsentation zum Thema: "Slide 1 Sustainability Affairs 02.09.04 / B. Schanzenbächer Otti Bisang UNEP FI – Best Practice Unternehmensbeispiele der Credit Suisse Group."—  Präsentation transkript:

1 Slide 1 Sustainability Affairs / B. Schanzenbächer Otti Bisang UNEP FI – Best Practice Unternehmensbeispiele der Credit Suisse Group

2 Slide 2 VfU-Fachtagung, München, Otti Bisang ÜBERSICHT 1. UMSETZUNG UNEP-ERKLÄRUNG 2. VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT 3. MICROFINANCE 4. ÖKORISIKEN BEI FIRMENKREDITEN

3 Slide 3 VfU-Fachtagung, München, Otti Bisang ÜBERSICHT 1. UMSETZUNG UNEP-ERKLÄRUNG 2. VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT 3. MICROFINANCE 4. ÖKORISIKEN BEI FIRMENKREDITEN

4 Slide 4 VfU-Fachtagung, München, Otti Bisang 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 Slide 5 VfU-Fachtagung, München, Otti Bisang UMSETZUNG UNEP-ERKLÄRUNG UMWELTMANAGEMENT UND FINANZINSTITUTE Umweltmanagement zertifiziert nach ISO ( ) Umwelt-/Nachhaltigkeitsberichterstattung validiert DJSI / FTSE4Good / imug … VfU-/EPI-/SPI-Standards Zertifizierung der Zulieferer gefördert Kontakte zu Universitäten und Hochschulen

6 Slide 6 VfU-Fachtagung, München, Otti Bisang UMSETZUNG UNEP-ERKLÄRUNG SOCIALLY 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 Social Returns Financial Returns Sustainability Funds (e.g. CS Global Sustainability) Eco-technology Funds (e.g. Prime New Energy) Microfinance Foundations Ethical Funds (e.g. CS Fellowship Fund)

7 Slide 7 VfU-Fachtagung, München, Otti Bisang 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 Slide 8 VfU-Fachtagung, München, Otti Bisang UMSETZUNG UNEP-ERLÄRUNG SUSTAINABILITY REPORTING – QUO VADIS Eco Performance Reports Environmental Reports Sustainability Reports ? Integration into Annual Report? Image brochure?

9 Slide 9 VfU-Fachtagung, München, Otti Bisang UMSETZUNG UNEP-ERKLÄRUNG INCREASING 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 Slide 10 VfU-Fachtagung, München, Otti Bisang ÜBERSICHT 1. UMSETZUNG UNEP-ERKLÄRUNG 2. VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT 3. MICROFINANCE 4. ÖKORISIKEN BEI FIRMENKREDITEN

11 Slide 11 VfU-Fachtagung, München, Otti Bisang Annual sustainability reporting as part of CSGs corporate reporting Identifying and reporting internally on social and environmental trends and issues that might have a 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) VOM UMWELT- ZUM SUSTAINABILITY MGMT SUSTAINABILITY AFFAIRS – MAIN TASKS

12 Slide 12 VfU-Fachtagung, München, Otti Bisang 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 Directors Risk Committee * to replace Environmental Executive Board which was established in accordance with Directive W-0011

13 Slide 13 VfU-Fachtagung, München, Otti Bisang CEO Highest decision-making authority Sustainability Committee Strategy and policies Determine CSGs 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 CSGs 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 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) BoD / RC Sustainability review SUSTAINABILITY GOVERNANCE STRUCTURE

14 Slide 14 VfU-Fachtagung, München, Otti Bisang ÜBERSICHT 1. UMSETZUNG UNEP-ERKLÄRUNG 2. VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT 3. MICROFINANCE 4. ÖKORISIKEN BEI FIRMENKREDITEN

15 Slide 15 VfU-Fachtagung, München, Otti Bisang 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 Social Investment Services AG www. responsAbility.ch responsAbility Global Microfinance Fund Financial characteristics Slide 17 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

18 responsAbility Social Investment Services AG www. responsAbility.ch Slide 18 responsAbility Global Microfinance Fund One investment – multiple benefits Customers absolute returns LIBOR + ~1% very short duration improves diversification tool to act responsibly helps to enjoy wealth 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 100,000 invested ~150 entrepreneurs reached ~600 family members have better food, health, education

19 Slide 19 VfU-Fachtagung, München, Otti Bisang ÜBERSICHT 1. UMSETZUNG UNEP-ERKLÄRUNG 2. VOM UMWELTMANAGEMENT ZUM SUSTAINABILITY MANAGEMENT 3. MICROFINANCE 4. ÖKORISIKEN BEI FIRMENKREDITEN

20 Slide 20 VfU-Fachtagung, München, Otti Bisang ÖKORISIKEN BEI FIRMENKREDITEN ZEITLICHE ENTWICKLUNG 1992: Weisung Kredite > CHF 10 Mio / EUR 7 Mio 1994: Weisung 2.0/1 - Fachstelle Öko-Risiken (1-3 Personen) - Schulungen - Checklisten 2003: Weisung Outsourcing Fachstelle Ökorisiken - First Level Support - Ausbau Intranet

21 Slide 21 VfU-Fachtagung, München, Otti Bisang ÖKORISIKEN BEI FIRMENKREDITEN PROZESS

22 Slide 22 VfU-Fachtagung, München, Otti Bisang 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 Slide 23 VfU-Fachtagung, München, Otti Bisang ÖKORISIKEN BEI FIRMENKREDITEN INTRANET (2/2) Fachwissen zu Umweltrisiken Web-PAT Ökorisiken Interpretation Altlastenverdachtsflächenkataster Stand der Altlastenverdachtsflächenkataster per Ökologisch exponierte Branchen Umweltrelevante Begriffe Umweltrelevante Brancheninformationen Fallbeispiele Altlastenproblematik beim Liegenschafterwerb Besteuerung von Liegenschaften mit Altlasten Umweltlabels

24 Slide 24 Sustainability Affairs / B. Schanzenbächer CREDIT SUISSE GROUP SUSTAINABILITY AFFAIRS For further information please visit or or contact: Environmental Advisor Otti Bisang Sustainability Affairs (GCBS) P.O. Box 1 CH-8070 Zurich/SWITZERLAND Tel


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