ESG LEVEL FOR CREDIT PURPOSES

Indicators supporting the credit process

In full response to the ABI Guidelines, the EBA LOM and the IVS, Abaco Team has developed and perfected a system for the classification of guarantees in ESG terms, adapted to the specific needs of Credit Institutions in terms of risk mitigation and alignment with sector standards and regulations, issued by supervisory bodies at both the national and European level.

To provide this service, our professionals have developed a reporting model that stems from the application of knowledge and skills acquired in over twenty years of experience in real estate consulting.

OUR ADDED VALUE

We provide our know-how to assess the degree of sustainability of the property from an ESG (Environmental, Social, Governance) standpoint, including mapping the physical and environmental risks of each asset.

Depending on the type of asset being analysed, the control points have been customised and designed to increase their effectiveness in achieving the end result.

This allows an improvement in the performance of the property in response to market demand and consequently preservation of its value in the long term.

OUR ADDED VALUE

SUSTAINABILITY REPORT FOR CREDIT PURPOSES

ESG performance analyses can be assessed on an existing real estate asset or on a future real estate development.

The control points used in the analyses cover multiple aspects, including: adaptation to climate change, environment and biodiversity, energy and water supply and efficiency, adaptability and transformational capacity of the property, regulatory compliance, waste management, health and well-being, safety of the property and materials used, and socio-economic impact.

 

The service includes the calculation of a physical risk score (seismic risk, floods, landslides, volcano, fire, sites of national interest) and an ESG score.

Valuation of the individual properties starts from the key property data:

  • Location;
  • Physical and geometric data;
  • Land and building register;
  • Plants used;
  • Energy Class;
  • CO2 emission index;
  • Use.

Subsequently, through the implementation of control points, the algorithm defined by Abaco Team draws up a final ESG summary opinion.

SUSTAINABILITY REPORT FOR CREDIT PURPOSES

WHEN TO CONTACT OUR TEAM

If you are a Credit Institution that needs to integrate ESG principles into your credit risk mitigation policies through high technical reliability processes and procedures, meeting all national and international standards.

Call us

CONTACT OUR DEDICATED

Nicola Arcaini

Nicola Arcaini

Director
Business Line Loan Services
Abaco Team

Alessandra Colangeli

Alessandra Colangeli

Coordinator
Retail and Small Business Department
Business Line Loan Services
Abaco Team

Nicola Arcaini

Nicola Arcaini

Director
Business Line Loan Services
Abaco Team

Alessandra Colangeli

Alessandra Colangeli

Coordinator
Retail and Small Business Department
Business Line Loan Services
Abaco Team

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