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Sustainable finance


Society simply could not exist without financial services. From buying a house to insuring your car or saving for a pension, financial services touch every aspect of our lives.

To this end the importance of the City as a national asset can not be overestimated, as it contributes an estimated £31bn to Europe’s GDP, directly employs almost 320,000 people, and indirectly employs hundreds of thousands more.

However, markets are a product of society and must reflect society’s concerns, thus there is a growing realisation that financial services have an important role to play in securing sustainable development. The City has not been slow to respond to this challenge and over the last decade has gradually become the worlds leading centre for finance and insurance for sustainable development, with expertise ranging from carbon trading to socially responsible investment.

In 2002, the City of London launched the “London Principles” at the Johannesburg Earth Summit. Personally supported by the Prime Minister, this piece of research formed the UK financial services sector's response to the summit on behalf of the Government. The London Principles are a work in progress, and a comprehensive review of the programme was conducted in 2005, resulting in two workstreams focussing on the provision of finance for eco-innovation, and access to finance for disadvantaged communities.

  • Click here for further information on the London Principles Project.
  • Download the latest research here (777kb)
  • Click here for the review of the Project
  • Click here for information on carbon trading.
  • Click here for information on Socially Responsible Investment
  • Socially Responsible Investment

    The use of investment policy as a tool for the expression of personal or political ideas dates back a long time. There is some evidence that the campaign to abolish slavery, spearheaded by William Wilberforce in the early 19th Century, used financial leverage as one of the means to achieve their ends. In some ways this pattern was repeated in the late 1960’s when in the US shareholders questioned the morality of Dow Chemicals involvement in the manufacture of agent orange and napalm in the Vietnam War.

    In more recent years individual investors have been able to invest in funds which reflect a variety of personal ideologies, from the protection of the environment, to animal rights and child labour.

    The growth of activity in the field of sustainable finance has been spurred by three factors

    • Companies are increasingly becoming interested in the field of Corporate Social Responsibility as a way of gaining competitive advantage
    • There is increased awareness of the threat that Climate Change pose to the environment. This is of particular concern to the insurance industry who stand to lose a great deal of money from increased claims due to extreme weather events and flooding.
    • The adoption of the of the Statement of Investment Priniciples regulations as part of the 2000 pensions act, and the Operating and Financial Review regulations have made fund managers more aware of the sustainability implications of investment decision.

    Many large institutional investors are now incorporating SRI into their investment strategies. This is especially true in the area of Climate Change where organisations such as the Institutional Investors Group on Climate Change promote better understanding of the implications of climate change amongst our members and other institutional investors.

    Click here to visit to the IIGCC website

    For further information on socially responsible investment visit the UK Social Invesment Forum’s website.

    What is the London Principles Project?

    The London Principles Project, commissioned by the City of London from Forum for the Future’s “Centre for Sustainable Investment” examines the role of the UK financial services sector in promoting sustainable development. The report contains a compendium of best practice, draws out lessons for future innovation and proposes mechanisms to ensure continual progress. With respect to the last point, one of the mechanisms explored is a set of seven “London Principles”, which propose conditions under which financial market mechanisms can best promote the financing of sustainable development.

    The Seven Principles

    Principle 1: Provide access to finance and risk management products for investment, innovation and the most efficient use of existing assets

    Principle 2: Promote transparency and high standards of corporate governance in themselves and in the activities being financed

    Principle 3: Reflect the cost of environmental and social risks in the pricing of financial and risk management products

    Principle 4: Exercise equity ownership to promote efficient and sustainable asset use and risk management

    Principle 5: Provide access to finance for the development of environmentally beneficial technologies

    Principle 6: Exercise equity ownership to promote high standards of corporate social responsibility by the activities being financed

    Principle 7: Provide access to market finance and risk management products to businesses in disadvantaged communities and developing economies.

    The London Principles report is available to download here (867kb)
     

    Who is supporting this initiative?

    A broad range of organisations have pledged their support, including

    • ABF Capital Management
    • Henderson Global Investors
    • Allianz Dresdner Asset Management
    • Jupiter Asset Management
    • Association of British Insurers
    • Morley Fund Management
    • Apax Partners
    • Quadris Environmental Investments Ltd
    • CDC Capital
    • SG Asset Management
    • Co-operative Bank
    • Storebrand
    • Co-operative Insurance Society
    • UK Social Investment Forum
    • Friends Ivory & Sime
    • Universities Superannuation Scheme
    • Friends Provident
    • Impax Group plc

    Work in Progress

    In May of 2003, the City of London led an extensive consultation programme, with mainstream financial institutions, campaigning NGO groups and public institutions such as the FSA and HM Treasury. This process which culminated in a major event at the Treasury explored the opportunities and barriers to applying the London Principles to financial systems.

    The City of London has also been supporting the London Principles through a series of events designed to raise awareness of finance and insurance for sustainable development amongst practitioners from the financial services industry in the UK and beyond.

    The next stage

    It is important to remember that the London Principles are a work in progress. To this end the City of London signed a memorandum of understanding with UNEP to promote the Principles on the international stage, and we are currently exploring the options for the establishment of a secretariat, which can build on this work, look at methods of reporting against the Principles, explore new markets and most importantly promote UK expertise in this market overseas.

    The City in partnership with Forum for the Future and Gresham College conducted a review of progress in implementing the Principles, which was published in October 2005. This review

    • examined the progress which has been made on implementing the principles since Johannesburg
    • developed further case-studies from signatory institutions
    • explored the current landscape in sustainable finance
    • and mapped a way forward for the next phase

    The review is available to download from the link below

    Three years on from Johannesburg (510kb)
    Read an extract from the executive summary

     

    Ongoing work

    The review identified two key areas where further work was required- the provision of finance for eco-innovation, and access to finance for disadvantaged communities.

    The final research report on the financing of eco-innovation is available to download below

    Download the latest research here (777kb) 

     

    Work on the provision of access to finance for disadvantaged communities is on-going, and further information will be available for download shortly.

    For further information please contact

    Simon Mills
    The Sustainable Development Unit, City of London

    Vedant Walia
    Forum for the Future


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