Escolar Documentos
Profissional Documentos
Cultura Documentos
Green Finance
Agenda:
1.
2.
Green Concept
3.
4.
Market research
5.
ProEco Loan
6.
Marketing
7.
Conclusion
European Directive
20-20-20
Increase the share of consumed energy from
renewable energy sources to 20% (RE);
Improve energy efficiency with 20% (EE);
Decrease with 20% the emissions of
greenhouse gases (GGE), compared with
1990. (GM)
WI
N
D
HI
D
R
O
BI
O
M
AS
S
Renewable Energy
The key indicator for quantifying the progress according to the Strategy Europe 2020 for
sustainable growth.
25
20
15
Percentage
Romania
10
5
0
2004
Source : Eurostat
2005
2006
2007
2008
2009
2010
2011
2012
Energy Efficiency
The Energetic strategy for 20072020 identifies a significant potential for energy efficiency in
the following sectors:
Industry 13,0% ;
Households: 41,5%;
12000
10000
Transport: 31,5%;
Agriculture and other
sectors: 14,0%.
Industry
Transport
Other sectors
8000
THOUSAND
TOE
6000
4000
2000
0
2007
2008
2009
2010
2011
2012
Source : Eurostat
Primary energy
consumption
Romania has a large scale of resources of primary energy: fossil and mineral. In the future, a
correlation between primary resources and potential (renewable) resources is desired, in order to
have a cleaner and more efficient consumption.
Primary energy consumption
70
60
50
European Union (28 countries)
Euro area (18 countries)
Romania
40
MIL TOE
30
20
10
0
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
Source : Eurostat
Green Measures
A reduction of GGE is observed up to year 2012. The trend for the next decade is that the
process of reducing the GGE will continue, reaching a decrease of 20% compared with the
actual moment.
Source : Eurostat
Portfolio analysis
8 branches
3 service points
347 credit files
27 questionnaires
Files analysis
80
Disbursed loans
70
6
60
6
50
5
6
40
10
Number of loans
2
27
30
20
38
42
26
21
53
1
20
10
64
Brasov
Braila
19
2
Constanta
2
1
Pitesti
Ploiesti
Suceava
Giurgiului
Militari
POTENTIAL
PROECO
STANDARD
Loans portfolio
May-June
347 FILES
1.671.600 EURO
27
101
219
2 Months
PROECO
POTENTIAL
STANDARD
Activity sectors
14
37
12
110
56
23
13
82
Retail
Constructions
Manufacturing industry
Other activities
PCB Employees
Competition
40
Mistery shopping
Phone calls
Internet
Loans offered by EU funds:
ROSEF (investment loans):
BRD
BT
BCR
Unicredit
EEFF (CL):
BRD
BT
BCR
CEC
OTP Bank
Raiffeisen
Market research
BANKS
PROMOTIO
N WAYS
LOAN VALUE
GRANT
PRODUCT
ANALYS
IS
FINANC
E
PROCREDIT
BANK
Flyers,
Internet
Events
10.000
-3.000.000
CL +
Investment
Intern
100%
BRD
Internet
Max 1 mil
10 15
%
CL +
Investment
Extern
100%
BANCA
TRANSILVAN
IA
Internet
Max 1.000.000
15%
CL+
Investment
Extern
80%
RAIFFEISEN
BANK
Internet
Max.
1.500.000
15%
CL
Extern
BCR
Internet
Max.
2.500.000
15%
CL
Extern
100%
CEC BANK
Internet
CL
Extern
OTP BANK
Internet
CL
Extern
UNICREDIT
Internet
Max.
1.000.000
1015%
Investment
Extern
Green Finance
ProCredit Bank launches new ProEco loan, aiming to finance both business and agro clients
for the following investments:
Renewable energy
Energy efficiency
Green Measures
ProEco
Characteristics:
Destination: Investment and/or working capital (min. 70% of the loan value must be
used for EE, RE and GR)
VS
VS
9.5
7.5
7.0
6.9
5.9
4.9
SWOT Analysis
Strengths
Weaknesses
Flexible product;
High bureaucracy;
Strict destination;
Rigorous monitoring;
Opportunities
Threats
Competition;
Reduced competition;
Lack of information;
Conclusions
The other competitors are not yet focused on promoting green loans;