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Sparda-Bank Muenchen eG

PRI reporting framework 2018

You are in Strategy and Governance » ESG issues in asset allocation

ESG issues in asset allocation

SG 13. ESG issues in strategic asset allocation

New selection options have been added to this indicator. Please review your prefilled responses carefully.

13.1. Indicate if your organisation executes scenario analysis and/or modelling in which the risk profile of future ESG trends at portfolio level is calculated.

          We do a 5-year-forecast on our business annually. These forecasts are very detailed and contain change analysis on every possible business scenario factor.
        

13.2. Indicate if your organisation considers ESG issues in strategic asset allocation and/or allocation of assets between sectors or geographic markets.

We do the following

13.3. Additional information. [OPTIONAL]

We specifically consider ESG issues in order to avoid so called "tail risks". I.e. to avoid losses from catastrophic events that can occur due to unsustainable business behaviour.


SG 14. Long term investment risks and opportunity

14.1. Describe the process used to identify short, medium and long-term risks and opportunities that could have a material impact on your organisation and its activities.

First of all, we analyse the recent mega trends. The 12 Megatrends we have identified are digitalization & networking, demographic change, individualisation,  a new world of work, back into the cities, mobility, security globalisation, gender shift, health, ecucation, sustainability. We look on what might be their impact directly on our bank in general and on our business model in particular. We also look on their possible impact on companies we invest in.

Secondly, we discuss these risks in our monthly meeting with the management board, the heads of accounting and controlling and treasury ("Dispositzung") in November.  

Last but not least, on a daily basis, we have set up an excel-based analysis tool that provides us with data concerning ESG issues. Should we encounter relevant problems we can take action whenever needed.  

14.1 CC. Describe the processes used to determine which climate-related short, medium and long-term risks and opportunities could have a material impact on your organisation and its activities.

14.2. Some investment risks and opportunities arise as a result of long term trends. Indicate which of the following you act on.

14.2a cc. Please describe how you define “short”, “medium” and “long term”, and describe your material climate-related issues over these time horizons.

Definition
Description of material climate-related issues
Short term
          
        
          
        
Medium term
          
        
          
        
Long term
          
        
          
        

14.3. Indicate which of the following activities you have undertaken to respond to climate change risk and opportunity

14.4. Indicate which of the following tools you use to manage emissions risks and opportunities

14.4a CC. Please provide further details on these key metric(s) used to assess climate related risks and opportunities.

Metric Type
Coverage
Purpose
Metric Unit
Metric Methodology
Metric Trend
Limitations / Weaknesses
Carbon footprint (scope 1 and 2)
          
        
          
        
          
        
          
        
          
        
          
        

14.5. If you selected disclosure on emissions risks, list any specific climate related disclosure tools or frameworks that you used.

https://www.sparda-m.de/pdf/sparda-m/gemeinwohlbericht_2013_2014.pdf

14.6. Additional information [Optional]

14.7 CC. Describe your risk management processes for identifying, assessing, and managing climate-related risks.

Please describe

In the asset classes that can be subject to high carbon dioxide intensity we either use an excel-based analysis tool to look into that issue or we have outsourced that process to external asset managers who are obliged by contract to take that problem into account.

14.8 CC. Describe your processes for prioritising climate-related risks.

14.9 CC. Do you conduct engagement activity with investee companies to encourage better disclosure and practices around climate-related risks?

Please describe

We do that via our service provider that has specific ressources and much experience to do so.

14.10 CC. Describe how you use data from climate-related disclosures.


SG 15. Allocation of assets to environmental and social themed areas

New selection options have been added to this indicator. Please review your prefilled responses carefully.

15.1. Indicate if your organisation allocates assets to, or manages, funds based on specific environmental and social themed areas.


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