Sonno

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Sonno

  1. 2. Where the idea for the convention came from <ul><ul><ul><ul><ul><li>The convention was devised by </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>the Banca Maremma Credito Cooperativo di Grosseto </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>and the local section of Legambiente </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Banca Cooperativa working in Tuscany </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Operativeness in a rural area </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· 165,000 people as a catchment area </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· 10 branches </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· 72 staff </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· 326m euro in deposits </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· 290m euro of loans </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The economic sector with the highest percentage of loans is agriculture </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>According to the figures it is a small bank </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The mode of economic collaboration with its own region is by design </li></ul></ul></ul></ul></ul>
  2. 3. The Technical Background An accidental or planned idea <ul><ul><ul><ul><ul><li>The banks holds professionalism very high for all sectors of banking </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>and the economy. </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>It is for this reason that some of the staff are involved in managing the bank </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>and some are involved in meeting local needs with the single aim of developing </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>clients and businesses along environmentally-friendly lines </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>This is why the bank employs staff expert in cooperation , youth , agriculture , </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>tourism , local products , regional development trends </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>and the management of disasters and every type of community, </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>national and local incentives. </li></ul></ul></ul></ul></ul>
  3. 4. <ul><ul><ul><ul><ul><li>The regional experts continually travel and work together with firms </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>This allows them to attain real-time knowledge of regional needs </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>It is these specialists who suggest which procedures </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>and conventions to adopt </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>During business negotiations staff in charge of regional development </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>are matched with colleagues involved in pure banking </li></ul></ul></ul></ul></ul>The Technical Background An accidental or planned idea
  4. 5. <ul><ul><ul><ul><ul><li>Therefore we can say that the success of the convention </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>has not been accidental but is the fruit </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>of a meticulous system </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Humility to understand – freedom to work </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>In following legislation </li></ul></ul></ul></ul></ul>The Technical Background An accidental or planned idea
  5. 6. The Convention with Legambiente <ul><ul><ul><ul><ul><li>Devised and signed in 2004 </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Financial initiatives </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>All the systems and technologies for the production of renewable energy </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Solar panels, photovoltaic systems, biogas, wind farms, biomass </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>carried out by private citizens, agricultural and other firms </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Technical certification </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Only systems approved by Legambiente are eligible for funds </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Maximum funding </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>150,000 Euro </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>100% of the investment including planning expenses and VAT </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Type of finance </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Current account credit for up to 24 months </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Up to 10-year depreciation of expenses </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Tax </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>One point over Euribor 6-month rate </li></ul></ul></ul></ul></ul>
  6. 7. Project aims in 2004 <ul><ul><ul><ul><ul><li>As a bank we want... </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>To allow everyone, including families, to boost the production </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>of renewable energy </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The preference is for a lot of small systems </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Transparent and simple-to-apply banking procedures </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· To entrust others with the task quality control (Legambiente) </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· To allow total and immediate funding </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· To allow an adequate period of depreciation </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· To allow funding bodies to benefit from additional advantages </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>(subsidiarity funds) </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· To recognize Legambiente’s valuable work </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· To start up good collaborative relationships </li></ul></ul></ul></ul></ul>
  7. 8. Results <ul><ul><ul><ul><ul><li>In November 2006 the convention was acknowledge </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>by FEDERCASSE (The Italian Federation of Cooperative </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Credit Banks) on behalf of the Nazionale </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>del Credito Cooperativo system </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>In June 2007 the convention won </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>an Sodalitas Social Award </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>as a new environmentally </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>and financially responsible product </li></ul></ul></ul></ul></ul>
  8. 9. <ul><ul><ul><ul><ul><li>The potential of operativeness </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The Credito Cooperativo system </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>438 Credito Cooperativo banks </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>4,044 branches across the country </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>926,000 members </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Legambiente </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Certification of investments </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Promotion </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>20 regional federations </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>1,000 local groups </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>115,000 members </li></ul></ul></ul></ul></ul>Results
  9. 10. <ul><ul><ul><ul><ul><li>Some figures from December 31st 2009 </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>947 transactions performed </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>50m euro spent </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>an exponential increase in outpayments </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>4,6 MWp of power installed </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>80% photovoltaic </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>11% solar thermal </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>67% for home use </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>18% for businesses </li></ul></ul></ul></ul></ul>Results
  10. 11. Technical considerations <ul><ul><ul><ul><ul><li>Activities in addition to the convention </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Specialist courses for banking personnel </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Writing and publication of information brochures (at the bank’s expense) </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Specialist courses for fitters (small local companies) </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· An annual contribution to Legambiente </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Remuneration for Legambiente for the technical certification of the applications </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· The establishment of a solidarity fund for clients who have benefited from </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>the convention </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>We have started something </li></ul></ul></ul></ul></ul>
  11. 12. Ongoing projects <ul><ul><ul><ul><ul><li>The hesitation and uncertainty that existed in 2004 is no more </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The desire to start up a debate has won awards </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The Banca dell Maremma has proposed a further convention to Legambiente </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>The Future </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Expand the activity to </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Sustainable construction </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· The saving and rational use of water; </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Sustainable travel; </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Preservation of the fertility of agricultural terrain; </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Safeguarding traditional food production </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>· Preventing the risk of forest fires </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Making things easier for </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>Young people, Non-individualistic people </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>As a token of our commitment </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>we are giving a swallow bird-box to each of our clients </li></ul></ul></ul></ul></ul><ul><ul><ul><ul><ul><li>who benefit from our conventions </li></ul></ul></ul></ul></ul>
  12. 14. Banca della Maremma Credito Cooperativo di Grosseto Via Unione Sovietica, 42 58100 GROSSETO Tel. +39 0564 474213 Fax +39 0564 412721 [email_address] Federcasse Federazione Italiana delle banche di Credito Cooperativo Via Lucrezia Romana, 41/47 00178 ROMA Tel. +39 06 72017 Fax +39 06 72072789 [email_address] Legambiente Centro Nazionale Promozione delle Fonti Energetiche Rinnovabili Loc. Enaoli 58100 GROSSETO Tel. +39 0564 48771 Fax +39 0564 48771 [email_address] European Seminar CO-OPERATIVES IN THE ENERGY SECTOR BRUXELLES 2009 CF&M comunicazione · foto: cesare moroni

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