Rabobank Groep 0212054

Ecosystemshighly-praised or rightly priced

Luuk HansRabo Green Bank BVDecember, 2005

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Mindset

• From a banking perspective

• Own activities

• Customer related business

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Ecosystem trends: business challenges

• Water scarcity

• Climate change

• Habitat change

• Biodiversity loss

• Overexploitation of oceans

• Nutrient overloading

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Eco systems and banking

• Direct consequences

• Indirect consequences

• Transparancy

• Accountability

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Public private partnershipCarrot & Stick

Government

• Taxes

• Subsidies

• Fiscal incentives

• Awareness

• Involvement

Banking

• SRI policy

• Guidelines

• Green financing

• Awareness

• Involvement

PPP

Communication&

Marketing

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SRI policy Rabobank

• Internal policies & activities- green energy (wind energy)- reducing paper use (FSC)- buying organic food- company car policy- Code of Conduct- Ethical Committee

• SRI criteria in credit processes

Consequences for ecosystems- climate change, biodiversity etc.

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Public private partnership

• Green Fund Scheme- tax incentive by government- investments by general public - investments bij companies- intermediating banks

• Benefits- environmental- economic- technological- social

One of most successful public private partnerships

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Green financing

• Financing on favourable terms of- organic farming- sustainable energy- (agricultural) nature conservation- waste-to-energy

Positive effects on eco systems

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Awareness

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Involvement

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Valuation? Market, Marketing or Marktplaats.nl

• Value for money- Economic return vs social return- Civil needs vs consumers’ demands

• Mainstreaming

• Marketing & communication- awareness & involvement- distinctive features: USP

• Marktplaats.nl (eBay)

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Mainstreaming Niche: the hard way

Marketnew

Common

Common Sustainable

Product

Robeco MilieutechFonds

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Greening Mainstream

Marketnew

Common

Common Sustainable

ProductRobecoGroen CDO

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Citizin & Consumer

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Market & marketing

• Shell V-power

• Rabo Green Bonds

• Chiquita bananas

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Communication & Marketing

• Awareness: VROM

• Sectoral: Go vegetarian

• Corporate image

• Product

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Proposition

• Marketplace is the only place were real valuation is done

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Proposition

• Marketplace is the only place were real valuation is done

• Awareness & involvement are essential to get a fair eco-valuation of products and services; a need for PPP

Rabobank Groep 0212054

Ecosystems

Highly-praised and rightly priced