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A new color in business

Green Finance

Young Bankers Program


August 2014

Agenda:
1.

Romania Renewable Energy and Energy Efficiency

2.

Green Concept

3.

ProCredit Romania portfolio of clients

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)

Renewable energy potential


in Romania
SO
LA
R

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.

RE in gross final energy consumption

25
20
15

European Union (28 countries)

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% ;

Romanian energy consumption by sector

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

Scientific and tehnical activities Agriculture

Retail

Constructions

Manufacturing industry

Transport and storage

Hotels and restaurants

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:

Eligible clients: all clients fulfilling the eligibility criteria;

Exposure: 10.000 - 3.000.000 EUR (equivalent lei);

Maturity: max. 15 years;

Grace period: max. 18 months;

Destination: Investment and/or working capital (min. 70% of the loan value must be
used for EE, RE and GR)

Fixed interest rate:


Fixed interest LEI (4.3%)

Fixed interest EUR


(3.44%)

VS

VS

9.5

7.5

7.0

6.9

5.9

4.9

SWOT Analysis
Strengths

Weaknesses

Flexible product;

Complex technical analysis;

Adjustable reimbursement plan;

High bureaucracy;

Financing 100% of the project;

Strict destination;

Attractive interest rates;

Rigorous monitoring;

Opportunities

Threats

Countrys energy potential;

Financing from EBRD + EU with grants;

Underdeveloped technologic market;

Competition;

Reduced competition;

Reticence regarding green investments;

Promoting new activity domains;

Lack of information;

Ways for promoting

Conclusions

Romania has a huge potential for investments in energy efficiency;

The other competitors are not yet focused on promoting green loans;

Locations with the highest potential: Constanta, Bucuresti and Ploiesti.


27 loans

We have the potential...

We have the solution...

Lets make a change!

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