1. Rabobank Groep 0212054 Ecosystems highly-praised or rightly priced Luuk Hans Rabo Green Bank BV December, 2005

2. Rabobank Groep 0212054 2 Mindset From a banking perspective Own activities Customer related business

3. Rabobank Groep 0212054 3 Ecosystem trends: business challenges Water scarcity Climate change Habitat change Biodiversity loss Overexploitation of oceans Nutrient overloading

4. Rabobank Groep 0212054 4 Eco systems and banking Direct consequences Indirect consequences Transparancy Accountability

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6. Rabobank Groep 0212054 6 Public private partnership Carrot & Stick Government Taxes Subsidies Fiscal incentives Awareness Involvement Banking SRI policy Guidelines Green financing Awareness Involvement PPP Communication & Marketing

7. Rabobank Groep 0212054 7 SRI policy Rabobank Internal policies & activities - green energy (wind energy) - reducing paper use (FSC) - buying organic food - company car policy - Code of Conduct - Ethical Committee SRI criteria in credit processes Consequences for ecosystems - climate change, biodiversity etc.

8. Rabobank Groep 0212054 8 Public private partnership Green Fund Scheme - tax incentive by government - investments by general public - investments bij companies - intermediating banks Benefits - environmental - economic - technological - social One of most successful public private partnerships

9. Rabobank Groep 0212054 9 Green financing Financing on favourable terms of - organic farming - sustainable energy - (agricultural) nature conservation - waste-to-energy Positive effects on eco systems

10. Rabobank Groep 0212054 10 Awareness

11. Rabobank Groep 0212054 11 Involvement

12. Rabobank Groep 0212054 12 Valuation? Market, Marketing or Marktplaats.nl Value for money - Economic return vs social return - Civil needs vs consumers’ demands Mainstreaming Marketing & communication - awareness & involvement - distinctive features: USP Marktplaats.nl (eBay)

13. Rabobank Groep 0212054 13 Mainstreaming Niche: the hard way Market new Common Sustainable Product Robeco Milieutech Fonds

14. Rabobank Groep 0212054 14 Greening Mainstream Market new Common Sustainable Product Robeco Groen CDO

15. Rabobank Groep 0212054 15 Citizin & Consumer

16. Rabobank Groep 0212054 16 Market & marketing Shell V-power Rabo Green Bonds Chiquita bananas

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20. Rabobank Groep 0212054 20 Communication & Marketing Awareness: VROM Sectoral: Go vegetarian Corporate image Product

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23. Rabobank Groep 0212054 23 Proposition Marketplace is the only place were real valuation is done

24. Rabobank Groep 0212054 24 Proposition Marketplace is the only place were real valuation is done Awareness & involvement are essential to get a fair eco-valuation of products and services; a need for PPP

25. Rabobank Groep 0212054 Ecosystems Highly-praised and rightly priced