TNFD Riesgos de Capital Natural y - Mariuz Calvet Directora de Sustentabilidad e Inversión Responsable en Grupo Financiero Banorte - UNEP FI
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Riesgos de Capital Natural y
TNFD
Mariuz Calvet
Directora de Sustentabilidad e Inversión
Responsable en Grupo Financiero Banorte
Abril 2021
1
Capital Natural
Modelos tradicionales de creación de valor:
q Capital manufacturado
q Capital Financiero
q Capital Humano
q Capital Organizacional
El Capital Natural se había considerado como intangible:
recursos renovables y no renovables.
servicios ambientales o
Generan
ecosistémicos a las personas, a la producción al
consumo, al bienestar humano.
Es difícil pensar en un sector o industria que no dependa del
capital natural.
-2-
Línea del tiempo de Sustentabilidad en Grupo
Financiero Banorte
TNFD
2009 2011 2012 2013 2014 2015 2016 2017 2019 2020 2021
-3-
Modelo de la Estrategia de Sustentabilidad
-4-
Normatividad interna
Comité de Sustentabilidad
Políticas:
• Política de Riesgo Socio-Ambiental (Crédito)
• Política de Inversión Responsable
• Política de Derechos Humanos
• Política de Capital Natural
• Política de Cambio Climático
Compromisos e iniciativas externas
- Declaración de Capital Natural
- Miembro de AMEBIN
- Principios de Ecuador / Normas de desempeño del IFC
- Principios de la Banca Responsable
- Principios de Inversión Responsable
-5-
Finanzas Sustentables / Gestión de Riesgos Socioambientales
El SEMS identifica, clasifica, evalúa y gestiona los
Nace el SEMS y nos
riesgos e impactos de los financiamientos que
2012 adherimos a los Principios
de Ecuador otorgamos en Banca Corporativa, Empresarial e
Infraestructura, a fin de evitar la exposición de
Se forma el equipo Banorte a riesgos de crédito, mercado, legales,
2014 especializado de Riesgo operacionales o reputacionales
Socioambiental
v
El proceso del SEMS se
2015 integra en el Manual de
Crédito
El equipo de riesgo
2020 socioambiental participa con
voz en el CNC yel CCC
Cartera bajo análisis Cartera sustentable y
socioambiental 2020 climática
Desempeño SEMS 2012- 2020 54.1 % 77.7 61.1 % 92.7 3.81
4.9 % 2.5 % mdp
mdp mdp 0.68 %
Créditos analizados 26,423 7.13 1.02
mdp mdp
Debidas diligencias PE nuevas 205
Debidas diligencias ND y SEMS 65
Recomendaciones para clientes 2357
Visitas a sitio 45 Banca Banca Banca Banca
Corporativa Empresarial Corporativa Empresarial
-6-
AMEBIN
A través de la Alianza Mexicana de
Biodiversidad y Negocios (AMEBIN), se ha
facilitado, desde el 2016, el intercambio de
información, capacitación y documentación
de buenas prácticas empresariales en temas
relacionados a la conservación, uso
sustentable y restauración de la
biodiversidad, así como en torno al capital
natural con una perspectiva de negocio,
considerando la aplicación del
Protocolo de Capital Natural
Un estudio de caso para identificar los
impactos y dependencias de un cliente del
sector turístico hotelero en Quintana Roo,
debido a la estrecha relación de esta
industria con la naturaleza y su importancia
para la cartera del banco.
-7-
Resultados
-8-
Taskforce on Nature-Related Financial Disclosures (TNFD) Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
A Taskforce on Nature-related Financial Disclosures, expected to launch in 2021, will provide a
framework for corporates and financial institutions to assess, manage and report on their
dependencies and impacts on nature, aiding in the appraisal of nature-related risk and the
redirection of global financial flows away from nature-negative activities and towards nature-
positive outcomes.
11Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
The challenge
Nature sits at the heart of climate mitigation and
adaptation strategies for both governments and the private
sector. The global ecosystem is rapidly approaching a
planetary tipping point – the first of its kind caused by
humans.
The total global biodiversity funding gap is estimated to
be US$722-967 billion per year by 2030.
The finance sector is not only contributing significantly to
this through its lending and investment practices, but is
also impacted because of the increased risk nature loss
represents to lending and investment activities.
The TNFD aims to develop transparent and practical
recommendations for nature-related risks and impacts
reporting that can promote more informed investment,
credit and insurance underwriting decisions.
12Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
How it will work
An Informal Working Group (IWG) of 74 member
organisations from across the finance and corporate
sectors, governments and regulators, and consortia,
supported by a Technical Expert Group, is currently
planning a two-year programme of work for the
Taskforce, to resolve the reporting, metrics and data
needs of financial institutions that will enable them to
better understand their risks, dependencies and impacts
on nature.
In collaboration with the corporate sector, the
reporting frameworks will be developed in 2021, and
tested in early 2022 before being made available
worldwide in 2023. The Taskforce itself is planned to
launch in the second half of 2021.
13Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
Endorsements
“The new Taskforce on Nature-related Financial Disclosures will help financial institutions to shift
finance from destructive activities and toward nature-based solutions.” United Nations Secretary-
General, António Guterres
“With the Task Force on Climate-related Disclosures, TCFD, we managed to shift private finance and
we need to do the same with TNFD.” President of the French Republic, Emmanuel Macron
“I have great hopes that the TNFD will ensure the risks of misusing nature will be properly identified,
and so avoided.” His Royal Highness Prince Charles, Prince of Wales
14Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
TNFD and TCFD
The TNFD is collaborating with and building on the lessons
learned by the Task Force on Climate-related Financial
Disclosures (TCFD). TNFD will establish a
framework that embraces the broader complexity of natural
capital and biodiversity to help catalyse a nature positive
economy.
There are key synergies in the delivery of both initiatives:
Disclosures of nature risks will sit alongside disclosures of
climate risks to give investors, lenders and insurers a complete
picture of their environmental risks.
Both are needed because the way we measure climate risk
and nature risk are different.
15Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
Timeline for the next steps and
phases for the Taskforce 2021 -
2023
16Introduction to the Taskforce on Nature-related Financial Disclosures (TNFD)
The initiative bringing together a TNFD is being catalysed by:
For more information contact: [insert contact here]
Visit: https://tnfd.info
Twitter: @TNFD_
LinkedIn: Taskforce for Nature-related Financial Disclosures (TNFD)
17Gracias
Mariuz Calvet
Directora de Sustentabilidad e Inversión
Responsable en Grupo Financiero Banorte
Abril 2021
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