CLIENTS AND CUSTOMERS - Supporting material (English version) - UNEP FI
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CLIENTS AND CUSTOMERS Supporting material (English version)
Summary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panama)
7. Appendix: Key resources
The PRB are designed to guide banks in the strategic
alignment of their business with the ESG agenda
PRINCIPLE 1 PRINCIPLE 2
PRINCIPLE 3
ALIGNMENT IMPACT & TARGET
CLIENTS & CUSTOMERS
SETTING
We will align our business strategy to We will continuously increase our positive We will work responsibly with our clients
be consistent with and contribute to impacts while reducing the negative and our customers to encourage
individuals’ needs and society’s goals, impacts on, and managing the risks to, sustainable practices and enable economic
as expressed in the Sustainable people and environment resulting from our activities that create shared prosperity for
Development Goals, the Paris Climate activities, products and services. To this current and future generations.
Agreement and relevant national and end, we will set and publish targets where
regional frameworks. we can have the most significant impacts.
PRINCIPLE 4 PRINCIPLE 5 PRINCIPLE 6
STAKEHOLDERS GOVERNANCE & TRANSPARENCY &
CULTURE ACCOUNTABILITY
We will periodically review our
We will proactively and responsibly We will implement our commitment to individual and collective
consult, engage and partner with these Principles through effective implementation of these Principles and
relevant stakeholders to achieve governance and a culture of responsible be transparent about and accountable
society’s goals. banking. for our positive and negative impacts
and our contribution to society’s goals.
The Guidance Document provides an example implementation
of the Principles
Guidance Document
• Demonstrates the steps
taken by a fictitious
signatory bank to
implement the Principles
over 4 years
• Establishes the focus
given for each Principle
• Includes examples of
target setting
Guidance Document
Examples for the first year:
understanding where the bank stands and making a plan
PRINCIPLE 1 PRINCIPLE 2 PRINCIPLE 3
ALIGNMENT IMPACT & TARGET CLIENTS & CUSTOMERS
SETTING
The bank works to get an The bank undertakes an impact analysis . bank assesses how clients engaged in
The
understanding of what objectives of its portfolio to identify its significant sectors and activities associated with
established in relevant frameworks are impacts (both positive and negative). significant impacts could transition towards
specific important to the society in more sustainable and resilient business
which it operates and starts to develop models. This assessment helps the bank
an understanding of how it can plan how it can support its clients in their
strategically contribute to society’s transition.
priority goals and challenges.
PRINCIPLE 4 PRINCIPLE 5 PRINCIPLE 6
STAKEHOLDERS GOVERNANCE & TRANSPARENCY &
CULTURE ACCOUNTABILITY
The bank undertakes a stakeholder The bank considers whether its Within 18 months, the bank
mapping exercise to identify key governance structure is adequate for communicates its progress considering
external stakeholders and starts supporting implementation of the the Reporting and Self-Assessment
developing a stakeholder Principles. Template in its public reporting.
engagement strategy, which details
its relevant stakeholders, what to
engage them on, who engages them,
how, and when.
Summary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panama)
7. Appendix: Key resources
Banks’ most significant impacts are associated with the
activities of their clients and customers
Partnering with clients and customers is an essential element in assessing the
bank’s impacts, understanding risks and opportunities, and achieving targets.
Evaluate your
Bank's portfolio
Based on your analysis of your
clients, develop your strategy to
Identify the reduce their negative impacts and
main impacts increase their positive impacts
Understand the Opportunities
impact profile
of your clients
Banks can engage with customers to encourage sustainable
practices
Synergy
Creating synergies with customers
and clients
Encouragement Accompaniment
Encouraging Accompanying customers and clients in their
sustainable practices transition towards more sustainable
business models, technologies and lifestyles
The PRB define that banks must inform their practices to
encourage their clients towards sustainability
Banks are required to report on how their
policies and practices
Promote responsible conduct
Encourage sustainable practices
Enable sustainable economic activities
Summary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panama)
7. Appendix: Key resourcesThere are four important steps to develop a good strategy
with your clients and customers
2. Raising awareness, engaging
1. Raising awareness and training your customers and clients and providing
internal teams support
3. Developing new products and services
that encourage and support more 4. Incentivizing more sustainable
sustainable business models, investments and choices
technologies, practices, and lifestylesFirst step: Raising awareness and training your internal
teams
2. Raising awareness, engaging
1. Raising awareness and training your customers and clients and providing
internal teams support
3. Developing new products and services
that encourage and support more 4. Incentivizing more sustainable
sustainable business models, investments and choices
technologies, practices, and lifestylesThere are different ways to raise awareness and train
internal teams
"Empowerment" of credit officers
Build capacity and expertise on
sustainability risk and impact Build capacity among bank
assessment in credit employees to better engage with
committees, among client clients and customers
relationship managers and other about sustainable finance
relevant business
committees
Establish internal guidelines and Develop policies, and train staff, Review specific products and
protocols for supporting clients to ensure that clients and services to ensure they meet their
and customers on sustainability customers are treated needs – including sustainability
considerations fairly needsLevels of experience and knowledge in sustainability may
vary depending on the department
UNEP-FI Guide to Banking and SustainabilitySecond step: Raising awareness, engaging customers and
clients and providing support
2. Raising awareness, engaging
1. Raising awareness and training your customers and clients and providing
internal teams support
3. Developing new products and services
that encourage and support more 4. Incentivizing more sustainable
sustainable business models, investments and choices
technologies, practices, and lifestylesAccompanying your clients in their journeys to contribute
to society’s goals enables a stronger relationship
Accompanying your clients in their own journeys to contribute to
society’s goals enables stronger relationships, better drives
business growth and supports improved risk management
Proactively informing and Establishing partnerships with
engaging with clients and third parties, to deliver solutions
customers about your for sustainable production and
commitment to sustainability consumption beyond your bank’s
and to responsible banking current customer and client base
Involving clients and Building expertise within your
customers as stakeholders in bank to effectively advise clients
your bank’s stakeholder and customers on adopting more
engagements and on sustainable business models,
sustainability issues technologies, and lifestylesThird step: Developing new products and services
2. Raising awareness, engaging
1. Raising awareness and training your customers and clients and providing
internal teams support
3. Developing new products and services
that encourage and support more 4. Incentivizing more sustainable
sustainable business models, investments and choices
technologies, practices, and lifestylesHow to unlock the business potential of sustainability
via the products and services?
Work with clients to develop
innovative financing solutions Solutions
towards sustainability
Offer incentives to encourage the shift
Incentives towards more environmentally and
socially friendly business models
The sustainable financial products and
services vary by region, level of Coverage
development, market, and industry structure
UNEP-FI Guide to Banking and SustainabilityExamples of sustainable product/service design
Commercial and Corporate Lending
Investment Banking Green, social or responsible credit
lines (energy efficiency, commercial
Green, social, sustainable and/or buildings, etc.)
positive impact bonds
Trade Finance
Loans Sustainable shipment letter of
Targeted products with credit and Sustainable trade funds
environmental and/or social
benefits such as green mortgages,
hybrid or alternative fuel vehicles,
education
Advisory Services
Targeted services for assistance with
environmental and social risk
Project Finance management
Sustainable energy infrastructure
(renewable energies, smart meters,
energy efficiency, etc.)
UNEP-FI Guide to Banking and SustainabilityIt is possible to develop specific strategies according to your
client's profile
Corporate
SMEs
RetailStrategies for your bank’s corporate clients
Corporate
SMEs
RetailStrategies for your bank’s corporate clients
Map clients Assess and disclose financial-related
according to their climate risks through the TCFD
economic sector
Identifying their
sustainability
Opportunities
impacts, positive
and negative
Encourage clients to Introduce energy efficiency practices and
improve their the use of renewable energy sources
impacts and adopt
sustainability
standards
Identify financial
solutions to foster
sustainable Increase female representation in
business practices Boards and senior managementExamples of sustainable product/service to your corporate
clients
Commercial and Corporate Lending
• Green, social or responsible credit lines
Investment Banking Financing circular economy
• Green, social, sustainable • Environmental and social advisory
and/or positive impact bonds services
• ESG considerations in the • Corporate lending to finance companies
context of mergers and in their sustainability transition
acquisitions and IPOs
Project Finance Trade Finance
• Green transport projects • Certified sustainable soft commodities
• Environmentally and human rights compatible • Sustainable shipment letter of credit
extractive industry activities • Sustainable trade funds
• Water and waste projects
• Large-scale green commercial developments,
shopping centres etc.
See also the UNEP-FI Guide to Banking
and SustainabilityStrategies for your bank’s SMEs clients
Corporate and
Institutional
SMEs
RetailStrategies for your bank’s SMEs clients
Provide specialized financial products and
Map your bank’s services through innovation hubs, incubators,
small business and supplier development programmes
customers
Identify the
Opportunities
existing and
potential
sustainability-
related activities Help customers improve their
Provide further knowledge and skills to effectively
support through manage their business finances.
new products
and services
Identify clients
who will benefit Use digital platforms to deliver financial
from new products and services more efficiently, and
products to help these customers solve many of their
business challengesExamples of sustainable product/service to your SMEs
clients
Advisory Services
Bank Accounts • Targeted services for assistance with
• Targeted solutions to promote access • environmental and social risk
• and inclusion to basic services such management
• as checking and saving accounts via • Targeted services for assistance with
• mobile banking business management such as marketing
of sustainable aspects of SME
Payment Facilities Loans
• Targeted products with
• Targeted services with environmental and/or social
environmental benefits such as green
• and/or social benefits such as mortgages, hybrid or
“green” alternative fuel vehicles,
• affinity cards education
Savings Facilities
• Targeted accounts and products
(e.g.
• certificates of deposit, bonds,
investment accounts) that allow the See also the UNEP-FI Guide to
client to choose from a menu of Banking and Sustainability
sustainability themes to responsibly
save or invest inStrategies for your bank’s retail clients
Corporate and
Institutional
SMEs
RetailStrategies for your bank’s retail clients
Expand and adapt your current offerings to the
“bottom of the pyramid” through microfinance,
Map your
micro-insurance, low-cost savings products and
bank’s retail
transactional services
customers
Opportunities
Finance and incentivize sustainable energy
Identify use through “green loans” for home
sustainability insulation, the use of renewable energy, or
potentials carbon offsetting
Develop a
strategy Help your bank’s retail customers acquire
the knowledge and skills to effectively
manage their finances, e.g. through
financial literacy programmesExamples of sustainable product/service to your bank’s retail
clients
Bank Accounts
• Targeted solutions to promote access
Payment Facilities
• and inclusion to basic services such
• Targeted services with • as checking and saving accounts via
environmental and/or social • mobile banking
benefits such as “green” affinity
cards
Loans
• Targeted products with
environmental and/or social
benefits such as green
Savings Facilities mortgages, hybrid or
alternative fuel vehicles,
• Targeted accounts and products education
(e.g.
• certificates of deposit, bonds,
investment accounts) that allow the
client to choose from a menu of
sustainability themes to responsibly
save or invest in See also the UNEP-FI Guide to
Banking and SustainabilityStep four: Incentivizing more sustainable investments
and choices
2. Raising awareness, engaging
1. Raising awareness and training your customers and clients and providing
internal teams support
3. Developing new products and services
that encourage and support more 4. Incentivizing more sustainable
sustainable business models, investments and choices
technologies, practices, and lifestylesStep four: Incentivizing more sustainable investments
and choices
Create a “race to the top” among
clients and customers, offering
Assess employee incentive more attractive interest rates,
structures and remuneration pricing, terms and conditions, and
policies to ensure that these value-added services for more
are not encouraging mis-selling sustainable
and other unfair practices
Offer “sustainability-linked
loans” or “positive impact
Develop appropriate incentives for loans”, where some of the
clients and customers to make more terms could be linked to
sustainable investments and corporate progress on
financial decisions (interest rates, sustainability
rewards programmes for sustainable
consumption choices, etc. )It is important banks measure progress in green and
inclusive financing based on metrics
Examples of metrics that can be assessed over the years
Financing or investment volume by financial
product or economic sector
% of green or inclusive
portfolio growth
Emissions avoided with sustainable
products
Volume and growth of vulnerable populations
and micro-enterprises financed
# involved customers and % year-on-year
growth rates
Evolution of the credit amount
versus targets setUNEP-FI suggests key resources to support banks identifying
priorities and action points
Principles Tools Reports
Set of guiding principles Guidelines or step-by-step Papers or research
as basis for engaging instructions for analysis and that reflects evidence-
with clients implementation based studies.
All key resources can be accessed by clicking on the above
hyperlinks. They are also available at the end of this documentExample – CGAP Customer-Centric Guide
Nature Tool
Maturity
SDGs
Main user Financial institutions Second user Companies
Explore the challenges and emphasize the strategies and actions that generate value for
What the business and the customer. Provides guidance on how organizations can move
towards customer-centric business models
Goal Seek to advance financial inclusion challenges through a customer-centric approach
A collection of hands-on toolkits and experiments that help design and deliver effective
Output financial services for low-income customersSummary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panama)
7. Appendix: Key resourcesExperiencias en Latinoamérica para el
fortalecimiento de las IFs en Finanzas sostenibles.
Dirección de Sostenibilidad, Inclusión y Cambio Climático
Vicepresidencia de Desarrollo Sostenible
Mauricio Velásquez
mvelasquez@caf.comDonde estamos?
Que buscamos con el sector financiero…
1) ampliar el universo de instituciones financieras en la región
con capacidades de captar y operar financiamiento verde
2) Que IFs puedan participar en la estructura financiera de
operaciones privadas que CAF gestiona ante diversos fondos
verdes y climáticos
3) que IFs puedan alcanzar estándares ambientales en sus
operaciones de crédito, incluyendo políticas, procedimientos,
metodología, análisis de datos crediticios, capacitación en
administración de riesgos ambientales y sociales.
4) Apoyar a transición a economías bajas en carbonoFortalecimiento en Gestión Ambiental y Social (ASG) a IFs clientes CAF
Apoyo a la VSP
> Acceso a Recursos
Instrumentos
Capacitación
Asesoramiento en
Cursos operaciones
Cursos Finanzas Nuevas operaciones
Meba Sostenibles Asesoría y acompañamiento a CAF
Operaciones
Cursos Categorización
Financiamiento Cooperación Técnica a
SARAS Verde Bancos de Desarrollo
Soluciones Financieras
Cursos
Cursos Riesgos
Eco-
Asistencia Técnica a a problemas
CC y Reguladores Financieros
Oportunidades eficien ambientales y sociales
IFs cia IFs
Creación de Protocolos
Verdes
PBR
Benchmarking Sur-SurAlineamiento Proyectos desde fase temprana del Ciclo de operaciones CAF
/IET-DSICC
Equipo Técnico Originador CCI CPI MOP
– ETO para Proyectos CAF
GEF: Agendas prospectivas
nacionales / regionales de
acuerdo con los lineamientos Elegible para
de las reposiciones del
Fondo, agendas CAF y beneficios
prioridades país. Elegible para del Cooperaciones
Técnicas
la Cartera Financiamie Verdes – vinculadas al
Operación
Responsable
Verde de nto verde negocio CAF
A&S (100%) CAF (IFDC)
(evaluación
Estándares y VPR-PR 055- independient
Salvaguardas 057 e)
A&S CAF
Mitigación Reducción de
Sistema de
Evaluación y Adaptación emisiones Fuente: UCC-DSICC 2019
seguimiento Adaptación y
Medio
Transversalizaci Ambiente resiliencia
ón Genero y
Participación de Ecosistemas
Grupos manejados
Interesados
Servicios
ecosistémico
sIncorporar el componente ambiental en los proyectos CAF:
Fortalecimiento en gestión ambiental y social (ASG) a IFS clientes CAF
PANAMÁ
MÉXICO
1 IF
4 IFs
Durante el 2019 se aprobaron 41 operaciones
COLOMBIA BRASIL
de crédito con IFs en Latinoamérica. 7 IFs 5 IFs
(4 multinacionales y 37 en 8 países ECUADOR
11 IFs
PERU
4 IFs
BOLIVIA
4 IFs
PARAGUAY
USD 1.450’850.000 1 IF
7 Operaciones 100% verdes
USD 440’000,000Summary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panama)
7. Appendix: Key resources7 países – 4 Bancos
+ 14 millones de
clientes
+ 29.000 empleados
145 años de
experienciaBanco Más Sostenible del Mundo 2020
CDP Banda B - 2019
CDP Banda B – 2019
1 de los 30 invitados por el Secretario General a movilizar la inversión y financiación
privados para la Agenda 2030
Miembros de UNEPFI desde 2011
Miembros de PRI desde 2014
Miembros de PRB desde 2019¿Porqué somos Sostenibles? Cifras a diciembre de 2019
1. Nuestro Propósito
Nos alineamos a los ODS de la ONU
Los 17 ODS son objetivos mundiales, adoptados por todos los
países miembros de las Naciones Unidas, con el fin de poner fin a
la pobreza, proteger el planeta y garantizar que todas las
personas gocen de paz y prosperidad hacia el 2030.2. Nuestros compromisos socioambientales
Tema Compromiso Reporte Guía
Estrategia
Riesgos
Negocios
Cambio Climático
Eficiencia
Talento
Impacto
Divulgación3. Nuestra inclusión y educación financiera
INCLUSIÓN NEOBANCO GENERO ACCESO EDUCACIÓN
4.300.000 4.000.000 6.939.440 16.443 16.200
A la Mano Usuarios Mujeres clientes Corresponsales Empleados
activas
196.000 + 127.000 5.059 + 14 mm
Créditos Con crédito 45 Bn Cajeros (ATM) Clientes
USD 12.850 MM
desembolsados Saldo Capital
668 1.678
Sucursales Comunidad
TRANSFORMACIÓN DIGITAL EMPRENDIMIENTO
132 MM 8.3 MM 70,6% $4.7 MM 1.7 MM 750
Tx monetarias prom Clientes activos
Adopción Digital Saldo Capital Clientes Alto impacto
mes digitales
USD 1.3 MM4. Algunas de nuestras soluciones sostenibles
FINANCIAMIENTO PORTAFOLIOS DE INVERSIÓN
Construcción sostenible Portafolio Delegado Sostenible
Materiales reciclados, uso eficiente de agua y energía, fuentes alternas
de energía, ubicación sostenible. Estrategias de inversión diversificadas globales que incorporan factores
ASG
Energías Renovables Fondo Renta sostenible global
Solar, eólica, biomasa, biogás, geotérmica, hidroeléctrica. Inversiones sostenibles para todos, se puede acceder por menos de 20
USD
Eficiencia energética SOLUCIONES NO FINANCIERAS
Combustibles más limpios, autogeneración, recuperación de calor,
motores eficientes, iluminación eficiente. Engagement cambio climático
En el marco de Climate Action 100 + hemos realizado engagement con
Producción más limpia dos compañías incluidas en esta lista llevando buenas prácticas en
Recirculación, tratamiento, aprovechamiento, minimización. temas ASG.
Sostenibilidad como Servicio
Movilidad sostenible Co-creación de soluciones en sostenibilidad apoyados por la
Vehículos eléctricos, híbridos, dedicados a gas natural. experiencia de Bancolombia
Agro y ganadería sostenible Muverang Activa
Activos eficientes sector agropecuario. Sistemas ganaderos más sistema de gestión de movilidad empresarial compartida en donde las
productivos respetando áreas de bosques y cuerpos de agua. empresas disponen para sus empleados vehículos eléctricos4. Nuestro financiamiento para la sostenibilidad
Beneficio anual Bonos
Línea de sostenible 1.777
equivalente Sostenibles
3,3 Bn
Recursos Leasing 646
Propios Crédito ordinario 925
Sufi 10 Energía anual para 514.558
hogares
Financiamiento Sostenible
0,8 Bn
Primer
Redescuento Banco 647 2018 300
0,8 Bn
Banca de Agua anual para 141.777 mercado
Redescuento Leasing 156
Desarrollo hogares
Finagro 2
Emisiones evitadas por
165.307 Ton de CO2
1,0 Bn
0,02 Bn
Banca CAF 14 Segundo 2016 – IFC 350
Multilateral Gobierno Suizo 7 mercado 2018 - BID 657
164.092 pasajeros
movilizados en BRT
diariamente por un año
DESARROLLO ECONOMICO SOSTENIBLE
Construcción sostenible | Movilidad eléctrica | Energías
renovables | Eficiencia energética | Economía circular |
28 días de residuos evitados
a relleno sanitario 1,3 Bn
Producción más limpia | (Medellín) Emitidos
Agro sostenible | Ciudades inteligentes
7.792 viviendas construidas
en 5 años
Financiados en 5
4,2 Bn años
bajo estándares sostenibles
USD1.200MM USD370MM5. Nuestro modelo de financiación de proyectos
Agroindust Otros
ria 5
5 %
Energía %
10
29%
Oil & Gas
%
Infraestructura 25%
+1.300
Proyectos evaluados en los últimos
26% Minero 10 años
Comprometidos con el desarrollo económico
$55 Bn
sostenible evaluamos los riesgos ambientales y
sociales de los proyectos que financiamos,
llevándolos a que sean implementados bajo
estándares de clase mundial.
Proyectos evaluados en los últimos 10 años
USD15.714MM6. Nuestros criterios ASG
Ambiental Social Gobierno Corporativo
Trabajo con Gobierno
Cambio Oportunidad Capital Humano Deber de Oportunidad Desempeño
Capital Natural Polución Grupos de Corporativo
Climático Ambiental Producto Social Corporativo
Interés
Emisiones Seguridad y
Emisiones de Tecnologías Gestión laboral Proveedores Acceso e Junta Directiva Corrupción e
Estrés hídrico tóxicas y calidad de
carbono limpias sostenibles inclusión inestabilidad
residuos producto
Huella de Salud y
Bio diversidad y Materiales de Construcción Seguridad Acceso a Pagos a terceros Estabilidad
carbono de seguridad
uso de suelo empaque sostenible química financiación financiera
producto
Desarrollo del Acceso al Propiedad de la
Riesgos Uso de materias Residuos Energía Seguridad Prácticas frente
capital humano cuidado de la organización
climáticos primas electrónicos renovable financiera a la competencia
salud
Prácticas Seguridad y
Impacto Gestión contable Ética en
laborales en privacidad en Diversidad
financiero y fiscal negocios
proveedores datos
Asset Management Posición Propia P. Delegado Sost. F. Rta. Sost. Global
$33 Bn $17 Bn $350.000 MM $260.000 MM
USD9.400MM USD4.860MM USD174MM7. Nuestras acciones por el clima
Divulgamos a mercado inversionista nuestra
estrategia de negocio frente a cambio 19.682
climático. Ton CO2
Huella Directa
Resultado 2019 Banda B
Bancolombia
Definimos metas de emisiones de CO2 para
operación directa y para la financiación e
inversión.
USD1.945MM
Exclusión Transición
Carbono neutro O.D. en 2020 Carbón Petróleo y gas
6,8 Bn
Metas para portafolio en 2021 Cemento
Hierro y Acero
Medimos la exposición de nuestros Transporte
portafolios de cartera e inversiones a Ganadería
escenarios climáticos.
USD14.285MM
Escenarios identificados para incremento Integración
50 Bn .
en 2Co, 4Co y 6Co Energías renovables
Construcción sostenible
Vinculación con emisores altamente Movilidad eléctrica
contaminantes en estrategias de transición Agroindustria sostenible 4.0
energética.
Estrategia de
Sectores hidrocarburos y cementos.
Descarbonización8. Nuestra Ambición por el Desarrollo Sostenible
ODS
Ambición 2030
Bancolombia orientado por su propósito corporativo, el cual es “Promover desarrollo económico
sostenible para lograr el bienestar de TODOS”, ha definido su “Ambición 2030” para movilizar por lo
menos $500 billones de pesos* a través de crédito y otros servicios financieros en los próximos 10
años.
Estos recursos se enfocarán en: Fortalecer la competitividad del tejido productivo a través del agro, la
reconversión tecnológica, y las pymes y emprendimientos; Construir ciudades y comunidades más
sostenibles por medio de la movilidad baja en emisiones, el acceso a la vivienda, y una economía baja
en carbono; y Fomentar la inclusión financiera con énfasis en la educación financiera, el acceso al
primer crédito, y el emprendimiento femenino.
* USD144.000 MillonesPromovemos desarrollo económico sostenible para lograr el
bienestar de todos.Summary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panamá)
7. Appendix: Key resources“PRINCIPIOS DE BANCA
RESPONSABLE
UNEP FI”
PRINCIPIO 3 - CLIENTESAGENDA
Multibank-Información
InstItucional
01
Principio 3-Clientes
02
Resultados Cuantitativos
03
Nuestra Experiencia como
Signatarios de los PBR
04MULTIBANK
• Fundado en Panamá en 1990 y con 30 años de
trayectoria. Es subsidiaria de Multi Financial Group
Inc. (MFG).
• Es un banco universal que ofrece una amplia gama
VALORES
de soluciones financieras y cuenta con una CORPORATIVOS
participación importante en el segmento de pequeñas y
• Integridad
medianas empresas en Panamá.
• Innovación
• En mayo de 2020, Grupo Aval a través de Leasing
Bogotá, S.A. Panamá, subsidiaria de Banco de • Transparencia
Bogotá, adquiere la mayoría del capital de MFG, • Solidaridad
manteniendo a la fecha, el 99.6% de sus acciones.
• Respeto
• Grupo Aval es el principal conglomerado financiero
• Responsabilidad
de Colombia y Centroamérica con presencia en 11
países y más de 15 millones de clientes en la región. • Equidad
• Compromiso con la
• Es el sexto banco más grande en el Sistema Bancario
Panameño en términos de activos y préstamos. Excelencia
• Relevante participación de mercado como proveedor
de préstamos en los sectores de la construcción,
automóvil y agropecuario.DECLARACIÓN CORPORATIVA
Declaración Corporativa
Visión :
Ser un grupo financiero líder en la región, conocido por su solidez, calidad y
prestigio; solidario con la comunidad y que agrega valor a sus clientes y
accionistas.
Misión:
Ofrecer una gama completa de servicios financieros de manera
eficiente, con principios éticos y morales, innovando para
superar las expectativas de los clientes; desarrollando nuestro
compromiso con la comunidad a través de prácticas de
responsabilidad social y ambiental; y maximizando el valor del
grupo con el mejor talento y clima organizacional.TRAYECTORIA
1990 1996 2005 2006 2008 2013
Inicia operaciones Creación de la Conversión a Banco Establecimiento de Cambio de nombre e Incorporación como
Multi Credit Bank. Fundación Alberto y tipo universal oficina de imagen: accionista minoritario:
Pamela Btesh multiproducto. representación en
(prácticas iniciales en Colombia.
RSE). Alineación del grupo
a las mejores
1991 prácticas
2007 2011 Consolidación Mb
internacionales en Creación de Multi Inicio de operaciones
1998 Créditos en Costa
gobierno corporativo. Financial Group de Multibank Seguros.
Banco en apoyar a la Rica, enfocado en
Fundación de Instituto (MFG) holding del
Microempresa. financiamiento de
de Microfinanzas. Grupo.
autos.
2015 2017 2018 2019 2020
Lanzamiento de Inauguración en el Consolidación del Fortalecimiento en
Banca Diamante, mercado de renta fija proyecto insignia de estrategia de
2014 estrategia de internacional: RSE del grupo diversificación de
Establecimiento de segmentación y “Multibank Ilumina”. fondeo: Adquisición de MFG
oficina de fidelización de banca - Emisión de bono en por parte de Grupo
representación en de personas. francos suizos CHF Préstamo sindicado Aval (a través de
Perú. 100 MM. en el mercado asiático holding
Lanzamiento de por USD. centroamericana:
- Emisión de bono en estrategia digital Leasing Bogotá
dólares americanos (Banca en Línea y Línea global de Panamá.
Hito en Financiación: USD 300 MM. Banca Móvil). crédito por USD 50
Préstamo sindicado MM. Fecha de cierre de la
por USD 50MM. transacción: (22-may-
2020).PRESENCIA REGIONAL
Capacidad instalada colaboradores e infraestructura:
• Cerca de 1,200 colaboradores en el Grupo
• 2 Oficinas de Representación (Perú y Colombia)
Panamá
Casa Matriz
Colombia
1 Oficina de Representación
Costa Rica
1 Sucursal MBCréditos
Perú
1 Oficina de RepresentaciónADECUADA RED DE ATENCIÓN A NUESTROS CLIENTES
• 24 Sucursales
• 3 Centros de Préstamos
• 93 Cajeros Automáticos
• Contact Center
• Banca en Línea
• Banca MóvilCALIFICACIONES INTERNACIONALES
Calificaciones Internacionales
Multibank Inc. cuenta con calificación de riesgo internacional por parte de Fitch Ratings y Standard & Poor´s. Es el sexto
banco más grande en el Sistema Bancario Panameño en términos de activos y préstamos y posee una relevante
participación de mercado como proveedor de préstamos en los sectores de construcción, automóvil y agropecuario.
BBB- Grado de
Perspectiva Negativa inversión
Mayo 2020
BB+
Perspectiva Estable
Septiembre 2020SÓLIDAS CALIFICACIONES LOCALES
paAAA
Perspectiva Estable
AA(pan)
Perspectiva Estable
AA (pan)
Perspectiva Estable
AA.pa Moody’s Local
(*) Calificaciones actuales.SISTEMA DE ANÁLISIS DE RIESGO AMBIENTAL Y SOCIAL
.- Desarrollo de la Política, Procesos, Formularios y Herramientas de Control (SARAS)
2012-2013 .- Se crea el área de Riesgo A&S
.- Socialización de la Política
.- Capacitamos al personal de Negocios
2014-2015 .- Implementamos procedimientos de análisis y seguimiento de la cartera
.- Se expande la metodología al segmento de Banca Internacional.
.- Se incorpora un Consultor para la debida diligencia en materia A&S
2016-2017 .- Se incorpora un Rating para los clientes evaluados – impacto
ambiental y social.
.
Auditoría Externa y ampliación de la lista de exclusión A&S.
.- Ministerio de Ambiente nos otorga reconocimiento
.- Firma protocolo de finanzas sostenibles de la ABP.
2018- 2019 .- Firma los Principios de Banca Responsable Noviembre 2019
.- Se aprueba plan de Banca Sostenible en comité de nuevos productos y negocios. Y se aprueba
campañas de productos verdes
.- Participación en el diseño y promoción de Productos Verdes
-Impulsar las campañas de Préstamos de autos híbridos y Préstamos Personales para
paneles solares y electrodomésticos inverter.
2020-2021 .-Programa de capacitación para clientes del sector agrícola, pecuario y construcciónPRINCIPIOS DE BANCA RESPONSABLE
Características
“Los Principios para la Banca Responsable establecen el punto de referencia global
de lo que significa ser un banco responsable y brindan una guía práctica para
lograrlo. Alinean a la industria bancaria con los objetivos de la sociedad
expresados en los Objetivos de Desarrollo Sostenible (ODS) y el Acuerdo Climático
de París.”
Alineamiento
Transparencia y
Impacto
Rendición de
Cuentas
Gestión y Objetivos Clientes
Actores o partes
Interesadas
(Stakeholders)PRINCIPIOS DE BANCA RESPONSABLE Principio 3- Clientes “Trabajaremos de manera responsable con nuestros clientes para fomentar prácticas sostenibles y posibilitar actividades económicas que creen prosperidad compartida para las generaciones actuales y futuras.”
IDENTIFICACIÓN DE NECESIDADES
Sector Agropecuario-Planta Agroindustrial
Veraguas.
Financiamiento para instalación de
Biodigestor que genera una producción diaria
de biogas de 60m3
Referente en diversas publicaciones en el
sector; ha sido uno de los proyectos que
impulsa el desarrollo sostenible en el
Interior.CONCIETIZACIÓN Estamos comprometidos con la mejora continua, capacitamos a nuestros colaboradores del negocio. “Siembra de cultura de riesgos” a través de campañas de concientización dirigidas a nuestros clientes internos y externos sobre la sostenibilidad, la protección al ambientes y el futuro del planeta.
DESARROLLO DE PRODUCTOS VERDES La sinergia desarrollada por Gestión del Riesgo Ambiental con las Bancas y las necesidades los Clientes, ha sido el hilo conductor para que el SARAS forme parte del proceso de gestión de necesidades de nuestra clientela.
RESULTADOS CUANTITATIVOS
Sector agropecuario - dedicado a la producción,
procesamiento y comercialización de productos
avícolas- Los Algarrobos, Veraguas
Financiamiento para la compra de Paneles
Solares, para instalar en el área de procesamiento
de pollos y mejoras generales
Capacidad instalada de generar aproximadamente
394.32 KW
Consumo promedio mensual : $ 24,000, Ahorro del
50% en consumo eléctrico $ 12,000
Supermercado - comercio al por menor de mercancía
en general, Panamá Oeste
Financiamiento para la compra de Paneles
Solares.
Solución a la fluctuación eléctrica en el área y
reducción significativa del consumo de energíaPRINCIPIOS DE BANCA RESPONSABLE
Beneficios para Multibank
- Ser reconocidos como una empresa Socialmente
Responsable en la sensibilización sobre los temas de cambio
climático.
- Contribuye a la gestión del Riesgo Ambiental y Social.
- Ser identificados por nuestros clientes como una
institución bancaria que impulsa productos y servicios a
través de un desarrollo sostenible.
- Aporta contenido de alta calidad a nuestro informe anual –
Pacto Global de las Naciones Unidad (COP).
- Añade valor a la relación con los Multilaterales - Proveedores
de fondos externos.
73Summary
1. Principles for Responsible Banking
2. Clients and Customers
3. Promotion of sustainable practices by customers
4. A perspective from of a regional fund - CAF
5. A perspective from practitioners: Bancolombia (Colombia)
6. A perspective from practitioners: Multibank (Panama)
7. Appendix: Key resourcesKey resources were categorized to enable its understanding and prioritization
Key resources were categorized to enable its understanding
and prioritization
Main targets
The maturity level considers
adherence, launch year and
company’s relevanceKey resources were categorized to enable its understanding
and prioritization
Main contents of the Final resource’s
resource format and output
Goal of the resourceTools
Guidelines or step-by-step
instructions for analysis and
implementation
Back to presentationKey resource 1 – CGAP Customer-Centric Guide
Nature Tool
Maturity
SDGs
Main user Financial institutions Second user Companies
Explore the challenges and emphasize the strategies and actions that generate value for
What the business and the customer. Provides guidance on how organizations can move
towards customer-centric business models
Goal Seek to advance financial inclusion challenges through a customer-centric approach
A collection of hands-on toolkits and experiments that help design and deliver effective
Output financial services for low-income customersKey resource 2 – OECD/G20 Inclusive Framework on Base
erosion and profit shifting (BEPS)
Nature Tool
Maturity
SDGs
Financial institutions /
Main user Government Second user multinational companies
International collaboration to end tax evasion that published various documents and
What evidence to understand or that is tax evasion and how financial stakeholders can
contribute to solve this global problem
Tackle tax avoidance, improve the coherence of international tax rules and ensure a
Goal more transparent tax environment
15 Actions that equip governments with the domestic and international instruments
Output needed to tackle tax avoidanceKey resource 3 – Global Partnership for Financial Inclusion
Nature Tool
Maturity
SDGs
Main user Government Second user Financial institutions
Partnership to carry forward work on financial inclusion in all G20 countries, interested
What non-G20 countries and relevant stakeholders
Help countries put into practice the G20 Principles for Innovative Financial Inclusion,
Goal strengthening data for measuring financial inclusion, and developing methodologies for
countries wishing to set targets
Output Platform for peer learning, knowledge sharing, policy advocacy and coordinationKey resource 4 – Responsible Minimum Standards FARMS
Initiative
Nature Tool
Maturity
SDGs
Main user Financial institutions Second user Companies
The FARMS Initiative seeks to promote animal welfare in the meat, milk and egg
What production chains
Improve the way financial institutions manage risks and opportunities related to the
Goal welfare of farm animals
Responsible Minimum Standards for financial institutions to consider when both
Output engaging with producers about their operations, and also when updating their internal
and public-facing policiesReports Papers or research that reflects evidence-based studies. Back to presentation
Key resource 5 – Publications of the Cambridge Institute for
Sustainability Leadership
Nature Report
Maturity
SDGs
Main user Companies Second user Financial Institutions
Sustainability reports, briefings, and case studies highlighting examples of sustainability
What leadership that have emerged in recent years
Develop new ideas and approaches that have the potential to deliver transformational
Goal change and rewire the economy
Numerous useful publications on topics mentioned in Principle 3, including micro-
Output insurance, circular economy and sustainable packagingKey resource 6 – The United Nations Global Compact Library
Nature Report
Maturity
SDGs
Main user Companies Second user Financial Institutions
Open resource library with 131 publications on sustainable finance. The topics are
What related to Sustainable Stock Exchanges, Communication with Investors, Financial
Instruments and Corporate Finance, Financial Reports and Integrated Reports
Guide and support the global business community in advancing UN goals and values
Goal through responsible corporate practices
Relevant information to aligning with Principle 3, including SDG Bonds and Corporate
Output FinanceKey resource 7 – Banking Conduct and Culture: A Permanent
Mindset Change
Nature Report
Maturity
SDGs
Other financial
Main user Banks Second user
institutions
Report on the progress made by banks concerning ethical conduct and
What culture, based on interviews conducted with 50 leaders
Goal Support the review of banking conduct and culture practices
Output Recommendation report for banks on conduct and cultureKey resource 8 – World Bank survey of the South African retail
banking sector
Nature Report
Maturity
SDGs
Main user Financial institutions Second user Regulatory bodies
Retail Banking Diagnostic focusing on the provision of consumer transactional accounts
What and fixed deposits by retail banks in South Africa
Identify potential deficiencies from a perspective of fair treatment in the provision of
Goal accounts and deposits by banks, and if and how these deficiencies could be addressed
through regulation of market conduct
Report with findings of the diagnostic and recommendations for regulatory
Output improvements and related measures for consideration by the South African authoritiesKey resource 9 – Report of the Royal Commission into
Misconduct
Nature Report
Maturity
SDGs
Main user Financial institutions Second user Regulatory bodies
Report of the Australian Royal Commission into Misconduct in the Banking,
What Superannuation and Financial Services Industry
To take what has been learned in respect of each part of the financial services industry
Goal that has been examined and identify: issues, causes, responses and recommendations
Provide 76 specific recommendations to the Government, the financial sector, and
Output financial regulators to redress the misconduct revealed by the inquiryKey resource 10 – The UK Financial Conduct Authority Publications
Nature Report
Maturity
SDGs
Main user Financial institutions Second user Companies
What Wide range of publications about Financial conduct
Goal Promote market integrity
Consultations, policy papers, decision-making documents, research and other
Output useful informationThank you! Access materials on unepfi.org/latín-american-caribbean
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