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Integrating sustainability perspectives within an organization offers an important opportunity to meet market expectations and more.
Considerations about the environment, social aspects and good governance are more than just common sense, they have become a must for businesses. On the other hand, effectively introducing these considerations, differentiating your organization from competitors, and communicating in a distinctive way with all stakeholders, internal and external to the company, all propose important challenges.
Reply views a strong sustainability proposition as consisting of:
At Reply, we can accompany you in every phase of the process, from defining the sustainable framework, to the conception of the strategy, to the delivery of results, for both business model and technological infrastructure perspectives. We support Banks, SGRs and Asset Managers, Insurance and Corporations with customized solutions and dedicated teams of Subject Matter Experts.
While Sustainability poses one of the most significant challenges to Banks in recent memory, the underlying opportunities are perhaps the most significant in a generation.
The impact of Sustainability is far-reaching, touching on all business lines, from Personal Loans, to Project Finance, to Investment Banking, and everything in between.
Bank customers are progressively giving more importance to Sustainability and ESG factors, requiring Banks in turn to make these considerations as part of their business decisions as well.
From a Financial Markets standpoint, Banks that are able convey their dedication to environmental, social and good governance standards are also able to gain easier access to both Economic and Social Capital.
All of this, coupled with the very real need to address Sustainability benchmarks throughout the world, has led legislators and regulators to introduce a series of measures that require Banks to adopt more specific Disclosure and Risk Management practices.
At Reply, we are prepared to support our Bank Clients on all Sustainability aspects: from the design of the solutions, to the details of the technical implementation; from communication strategy to marketing and reporting, Reply is ready to be your Partner.
Investments in Sustainability linked products has grown remarkably in recent years. Driven by the demand of private and institutional investors, and favoured by the new European and national regulations.
From the point of view of Investment and Asset Managers, integrating sustainability factors into the product design and the security selection processes will provide more choices for clients and meet market demand.
Every aspect of the value chain is fundamental in this changing landscape, from the integration of ESG factors and related risks and opportunities in the investment processes, to the provision of homogeneous data and ratings, all the way to an effective and distinctive communication plan for end customers and placement banks.
At Reply, we are prepared to support our Clients on all Sustainability aspects: from the design of the solutions, to the details of the technical implementation; from communication strategy to marketing and reporting, Reply is ready to be your Partner.
In the insurance sector, where Risk Management represents the core business, the process of integrating environmental and social sustainability risk factors into business models has been underway for some time.
Several Insurance firms already have on-going initiatives to adopt innovative and Sustainability minded service models, addressing likewise the emergence of a younger, conscientious generation of customers.
Insurance firms also aim to promote a culture of Sustainability, such as zero-cost car insurance policies for electric vehicles, hoping to help spur a reduction in carbon emissions.
From a regulatory standpoint, a progressive approach by the competent authorities allows Insurance firms a unique opportunity to activate gradual approaches: starting in 2021, Insurance firms and intermediaries are taking the first concrete steps towards reviewing their business models in compliance with new regulation.
Reply, with its significant experience in the regulatory field, product innovation and distribution models, is uniquely positioned to be your Partner in Sustainable and Green transformation, through a pragmatic and progressive approach to addressing these topics.
We support the:
A modern business culture depends foremost on corporate responsibility as a lever of success to enhance growth and innovation in the pursuit of creating shared value. It is in this context that Sustainability assumes an increasingly central role, not just as a driver of compliance with laws and regulations, but also as a model of the modern business culture.
In recent decades, Sustainability has grown to be an important factor in projects developed by international institutions and organisations, spurring the integration of non-financial factors or ESG aspects into the firms’ strategy, business model, and daily operations.
The Sustainable Development Goals established by the United Nations 2030 Agenda, and the EU Directive on mandatory non-financial disclosures (95/2014) (DL 254/2016 in Italy), highlight the need for firms to embrace Sustainability. The European Green Deal goes even further by creating the legal framework to promote sustainable finance strategies and providing a roadmap for the European economy to achieve carbon neutrality by 2050, inevitably pushing all firms to beon-board.
All of this points to the expectation that ESG considerations will become a definitive component of business, leading in turn to a growing demand for quality information within the organization. At the same time, firms will need to address external challenges, such as enhanced transparency with stakeholders, and the adoption of specific metrics to track environmental and social impacts, not to mention updated techniques to assess the firm’s performance and reputation.
At Reply, we are prepared to support our Clients on all Sustainability aspects, thanks in large part to end-to-end capabilities that can cover the design of the solution and its technical implementation. Whether you are just getting started, or are looking to add to your current position, we are uniquely positioned to support Clients who want to create shared value and generate positive socio-economic and environmental impacts.
This paper provides an overview on
ESG, focusing on
Environmental Finance and
Risk, with emphasis on challenges related to specific ESG factors that could be turned into opportunities if managed promptly.
A growing number of stakeholders, from governments to individuals, pension funds and asset managers, have realised that the application of ESG criteria is in line with their financial objectives. Around the world, investment strategies based on sustainability criteria are growing to become a new service line tending to the needs of the stakeholders: supervisory bodies, financial institutions and all customers.
9th November, the
UK Treasury published a roadmap for mandatory disclosures outlining HMT’s explicit expectations regarding
increased transparency and its continued focus on the
climate-related risks. Learn more about the significance of these expectations in this
During 2019/2020, the UK and EU introduced multiple climate documents to embed sustainable finance into financial systems to assist in the transition to a climate-neutral economic area. The objective of this short paper is to summarise key current documents, followed by an overview of upcoming guidance.
Climate change is an important and growing trend for the financial sector. The rapidly developing supervisory, investor and customer expectations are presenting new challenges to the financial services sector. As a consequence of the changing risk profile, supervisors in the EU and UK are setting new expectations to ensure banks pro-actively manage their climate-related financial risk.
The service model and the consulting platform, previously characterized by purely financial views and analyses, have been enriched with information on environmental, social and governance (ESG) factors, in both terms of single product and portfolio. In this way, a different interpretation was provided to the Private Banker in the advisory process with the client.