Ecoproducts for modern banking

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Ecoproducts for modern banking

• Société Générale Citizen Act II.
• VJP team

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VJP TEAM

• Peter Cernák
• Ján Cavojec
• Vít Marouek
• Ambassador Blanka Solnickova

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Our citizen act

• Banking ecoproducts application of ecological
  CSR in sphere of bank services
• Ecoproducts are new or additional services which
• make it easy for clients to support environment
• award environment friendly behavior of clients
• The main aspects
• Chance to participate on solving environmental
  issues
• Active role of the bank
• Motivation of clients

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The main idea

• You do not have to, but you can (and the bank
  will make it easy for you)

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Our ideas of ecoproducts

• Eco-financing saving accounts (EfSA)
• Ecocard
• Ecorating
• (SG/KB) Eco-company of the year
• Municipalities, bank's CSR and ecoproducts

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Eco-financing saving accounts (EfSA)

• Similar to building societies products
• The funds might be used only for ecoprojects
• Lower interest rate for deposits gt lower rate
  for loans

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Common savings accounts
Eco-financing saving accounts (EfSA)
???
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Motivation
Eco-financing saving accounts (EfSA)
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Ecocard

• Type of common debit/credit card
• Small part from each payment for ecological
  project
• A client chooses the amount of subsidy (green,
  greener, the greenest)
• Bank adds the same amount
• A client chooses the concrete ecological
  target(banks ecological project, non-profit
  organization)
• Involving of nonbanking partners
• Discounts for holders of ecocards

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Ecocard
Discount
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Ecorating

• Motivation for ecological behavior
• Set of ecorating according various criteria
• e.g. . sorting waste, participation in
  Eco-financing saving accounts, greenness of their
  buildings
• Awarding
• Better or cheaper services
• Competition for the best ecorating

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(SG/KB) Eco-company of the year

• Evaluation of ecological attitude of companies
• Various criteria (participation on ecoproducts as
  well)
• Different category (according the size of
  company)
• Motivation for companies
• Benefits from bank (for small compaies)
• Renown/ PR
• Publicity

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Municipalities, bank's CSR and ecoproducts

• Small towns and villages lack of funds for
  ecological investment
• Creation of micoregions, subsidy form EU help
  of the bank
• Lower interest rate according number
• of people who are involved in banks ecoproducts
• Attracting new clients
• Clients can see actual positive impact of
• participation in banks CSR

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Questionnaire municipialities Question 1.
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Questionnaire municipialities Question 2.
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Questionnaire municipialities Question 3.
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Questionnaire municipialities Question 4.
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Some facts about this questionnaire and the most
interesting commentary

• Informants over 100 municipalities
• Aiming municipalities population 200 to 10 000
  inhabitants
• Rate of return 30 in 5 days

• One mayor said Nowadays, banks have huge
  profits, so it should be considerable that banks
  credits should not be interested in exact time
  limit and amount limit.

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Questionnaire students Question 1.
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Questionnaire students Question 2.
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Questionnaire students Question 3.
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Questionnaire students Question 4.
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OUR ACTIONS (1/2)

• Discussion in KB (member of SG)
• Creation of wikiblog
• Motivating visitors (competition best comments)
• Two questionnaire (people / mayors)
• Team mail (over 20 reactions)
• Face to face individual meetings with students
  (over 25)
• Popularization of our wikiblog (leaflets, webpage
  of our university, webpage of RPC, LCD displays
  at the uni etc.)

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OUR ACTIONS (2/2)

• Participation on KB CSR policy presentation at
  VE
• Discussion with students at dormitory
• Meetings experts from Department of Banking and
  Department of Environment
• Presentation of ecological policy of KB and our
  project case study for students
• Interview in official newspaper of VE
• Questions for Société Générale
• Appeling students from other economic university
  (especially from Czech and Slovak Republic,
  Austria)

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Our presentation at VE
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Discussion at dormitory
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Presentation about CSR of KB
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Interesting comments from wikiblog

• Tracking funds - information on account
  statements,
• Dashboards on branches - information about
  ecological organizations projects
• Eco funds - will investing into renewable
  resources energies
• Trading with emissions permits - for retail
  clients - either profit or to reduce pollution of
  corporations
• Investing into small local ecoprojects e.g. parks
  in cities (think global act local)

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We would like to thank

• Blanka Solnicková for a great help as an
  ambassador and enthusiastic attitude
• Jitka for presentation about CSR of KB
• Everybody who speak to us about our project or
  visit our wikiblog

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• Thank you for your attention!
• We will be glad to answer your questions.
• VJP team