Energy efficient Mortgages Action Plan (EeMAP) & Energy efficiency Data Protocol and Portal (EeDaPP)
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1 Energy efficient Mortgages Action Plan (EeMAP) & Energy efficiency Data Protocol and Portal (EeDaPP)
2 Market Overview EU Objectives in the Housing Sector In the EU 28 there are 510 million people 247 million dwellings Buildings account for 40% of EU energy use more than 220 million dwellings were built before 2001 November 2018 Energy Efficient Mortgages Initiative 2
3 Market Overview Europe Houses with History EU housing stock age structure 20% 29% 23% 28% before after 1990 Breakdown of age of housing stock according to selected capital cities 80% 70% 60% 50% 40% 30% 20% 10% 0% before after 1990 November 2018 Energy Efficient Mortgages Initiative 3
4 Greece Denmark Germany Bulgaria Czech Republic Netherlands United Kingdom Sweden EU28 Austria Romani a Belgium Spai n Italy Finland Slovakia Hungary France Poland Croatia Portugal Luxembourg Slovenia Lithuania Latvi a Ireland Estonia Cyprus Malt a 2007-B B B B B B B B B B B B B B B B B B B B B B1 cent per kwh Home, Expensive Home Source: Eurostat 2017 EU-SILC survey Housing cost as % of disposable income Electricity Prices Evolution for Households and the share of taxes and levies Around 42% of disposable income of poorer households (below 60% of median income) is spent on housing costs 0,30 0,25 Taxes and levies represent 1/3 of EU average electricity prices 0, ,20 0, , , , Taxes (Small Consumers) Taxes (Average) below 60% median income above 60% median income Average price (incl. taxes) Average price (excl. taxes) November 2018 Energy Efficient Mortgages Initiative 4
5 Energy Costs and Property Market Value related to energy performance in Europe 21% of EU population that earn 60% or less than median income in their respective countries, over 18 million people, live in a household which they cannot adequately heat This issue has different degrees of relevant according to country Source: Eurostat EU-SILC survey 2017 *according to the Survey definition November 2018 Energy Efficient Mortgages Initiative 5
6 Energy Costs and Property Market Value related to energy performance in Europe Denmark (2015) Energy Consumption (kwh/m²/y) Energy Costs ( /m²/year) Energy Savings from Additional Value from class G (kwh/m²/y) Class G ( /m²) A ,00 B ,00 C ,00 D ,00 E ,00 F ,00 G Source: Copenhagen Economics November 2018 Energy Efficient Mortgages Initiative 6
7 The Public Initiatives in the sustainable housing sector EU LEVEL: Target: Clean, Affordable and Reliable Energy to all Europeans Regulations: Energy Efficiency Directive (EED- 2014) and Energy Performance Of Buildings Directive to set up targets in the building sector for new buildings (nzeb by 2021) and the existing stock (EPC and Energy Savings obligations). Tools: nzeb, EPC, White Certificates, Junker Fund Initiatives: PF4EE, SFSB, Elena (EIB and EC) NATIONAL LEVEL (MEMBER STATES) Target: National sustainable strategies ( Paris-Proof) or National Energy Efficiency Action Plans (NEEAPs), fight energy poverty Regulations: National legislation in construction and renovations, fiscal laws (e.g. carbon tax), energy savings obligations Tools: fiscal cut, direct or indirect subsidies, subsidised loans, renovation obligations, Affordable Housing funds November 2018 Energy Efficient Mortgages Initiative 7
8 Private Initiatives in Energy Performance Financing market segmentation Financing new buildings Residential private: finance construction of green homes Residential public: EE social housing Commercial Private: Green building labels (LEED, BREEAM, HQE) Financing energy upgrades Public funds (national level) specific for energy poverty Green Consumer Loans (reduced VAT and tax cuts on eligible costs) Subsidised green housing loans (ECO PTZ) Green Mortgages Energy Savings Contracts (White Certificates and Third Party Financing Schemes) Funding green assets portfolio Green Bonds on commercial and residential buildings (unsecured) Green Covered Bonds backed by commercial and residential buildings (secured) November 2018 Energy Efficient Mortgages Initiative 8
9 The Initiative The Energy Efficient Mortgages Initiative is aimed at delivering a standardised European framework and data collection process for energy efficient mortgages, with favourable financing conditions for energy efficient buildings and energy saving renovations. It consists of two parallel projects, the Energy efficient Mortgages Action Plan (EeMAP) and the Energy efficiency Data Protocol and Portal (EeDaPP), and is funded via the European Commission s Horizon 2020 Programme. November 2018 Energy Efficient Mortgages Initiative 9
10 Energy Efficient Mortgages The underlying Business Case Include Energy Performance as a key feature of housing mortgages to promote and incentivise private energy efficiency and performance investment: leads to a reduction in the impact of energy costs to income, reducing borrowers probability of default impacts positively on property value ensuring wealth conservation & loss mitigation against energy transition risks On a macroeconomic perspective: higher energy efficiency has positive impact on the environment and markets financial stability November 2018 Energy Efficient Mortgages Initiative 10
11 The Energy Efficient Mortgage Process General concept and criticalities Borrower : Mortgage Application Customer incentives: need for additional sources of funding and subsidies Need for Technical expertise from EE Auditors; Contractors and Valuers Bank Grants Mortgage with favourable financial conditions under EEM definition Need for a harmonised definition with EE criteria Data Availability Issue: need for quality, homogeneity and robustness Bank evaluates lower risk profile for the loan (lower PD and higher property value lower LTV) Need for a common Data Portal (EeDaPP) Bank gets preferential prudential treatment for its lower risk balance sheet Bank issues green covered bond with a green premium Need for internationally recognised certification and Green Covered Bond Label November 2018 Energy Efficient Mortgages Initiative 11
12 Timeline Phase 1: Framework Preparation & Analysis of Existing Data (EeMAP): Design of Product Framework and System Set-up Substantiation of Business Case Focus on Correlation between EE and LGD & PD Phase 2: Operational Test Phase (Pilot scheme and EeDaPP) Gathering Experience and identifying criticalities Involvement of the Advisory Council Agreeing on EEM Definition Agreeing on EEM EE criteria and reporting data list Data collection and assessment June 2017 June 2018 Pilot Scheme Launch December 2018 COP 24 EEM Definition Press Release November 2018 Energy Efficient Mortgages Initiative 12
13 Energy Efficient Mortgages- Pilot Scheme November 2018 Energy Efficient Mortgages Initiative 13
14 Partners For additional information on the Energy Efficient Mortgages Initiative Visit: Contact: Luca Bertalot Secretary General of the EMF-ECBC The EeMAP and EeDaPP projects have received funding from the European Union s Horizon 2020 research and innovation programmeunder grant agreements No and
15 List of Pilot Scheme Banks Involved (i): ABN AMRO (NL) Argenta Bank (BE) AXA Bank (BE) Banca Monte dei Paschi di Siena, BMPS (IT) Banco BPM (IT) Belfius Bank & Verzekeringen (BE) Berlin Hyp AG (DE) BNP Paribas Fortis (BE) BNP Paribas (UK) Groupe BPCE (FR) BPER Banca (IT) Caisse des Dépôts Group (FR) Caixa Geral de Depósitos, CGD (PT) November 2018 Energy Efficient Mortgages Initiative 15
16 List of Pilot Scheme Banks Involved (ii): Caja Rural de Navarra (ES) Colibri Hypotheken (NL) Compagnie de Financement Foncier (FR) Crédit Agricole (IT) Crelan (BE) Deutsche Hypothekenbank (DE) Ecology Building Society (UK) Friulovest Banca (IT) Garanti Bank (RO) ING Belgium (BE) KBC Bank (BE) Mortgage Society of Finland, Hypo (FI) Münchener Hypothekenbank eg (DE) November 2018 Energy Efficient Mortgages Initiative 16
17 List of Pilot Scheme Banks Involved (iii): Norddeutsche Landesbank, NORD/LB (DE) Nordea Bank (SE) Nordea Eiendomskreditt (NO) Nordea Kredit (DK) Nordea Mortgage Bank (FI) OP Mortgage Bank (FI) Rabobank (NL) Raiffeisen Bank (RO) Société Générale (FR) Société Générale (IT) Triodos Bank (BE) Triodos Bank (ES) Unión de Créditos Inmobiliarios, UCI (ES) Volksbank Alto Adige (IT) November 2018 Energy Efficient Mortgages Initiative 17
18 Members of the Advisory Council: European Commission European Investment Bank (EIB) European Bank for Reconstruction and Development (EBRD) Scottish Government The World Bank UNEP Finance Initiative International Finance Corporation (IFC) Climate Bond Initiative The main role of the Advisory Council is to help advise and support the deployment of the Pilot Scheme in the market and explore the possibility of a regulatory sandbox for banks participating in the Pilot Scheme November 2018 Energy Efficient Mortgages Initiative 18
19 List of Supporting Organisations Involved (i): Alliance HQE GBC France (FR) AmTrust International Asociación Hipotecaria Española (ES) Cohispania (ES) Croatia Green Building Council, CGBC (HR) CEN CENELEC Dutch Green Building Council (NL) European Builders Confederation, EBC Finance Denmark, FIDA (DK) Flemish Construction Confederation, VCB (BE) German Sustainable Building Council, DGNB (DE) Green Building Council España, GBCe (ES) Green Building Council Finland, FIGBC (FI) November 2018 Energy Efficient Mortgages Initiative 19
20 List of Supporting Organisations Involved (ii): Green Building Council Italia, GBC (IT) Irish Green Building Council, IGBC (IE) Madrid City Council (ES) Polish Green Building Council, PLGBC (PL) Romania Green Building Council, RoGBC (RO) Romanian Association of Banks, ARB (RO) S&P Global Ratings Tinsa Group (ES) UK Green Building Council, UKGBC (UK) UK Regulated Covered Bond Council, UK RCBC (UK) Union Professionnelle du Crédit/Febelfin (BE) Verband deutscher Pfandbriefbanken, vdp (DE) November 2018 Energy Efficient Mortgages Initiative 20
21 Pilot Scheme: Banks Coverage This map displays latest state of commitments made by 40 banks across the EU to Pilot Scheme. In total these banks represented EUR 3,636 billion (51.9%) in total outstanding mortgage loans of the EU. *data taken from Hypostat 2018 **figures taken from investor reports of the participating institutions. 100% is considered when the national mortgage association is pilot phase member Country total number only banks total outstanding mortgage market* mortgage loan portfolio of participants** coverage in % BE , , CY , DE 6 4 1,378,810 1,378, DK , , ES , , FI ,129 42, FR , , HR 1 0 IE 1 0 IT , , NL , , NO ,151 25, PL 1 0 PT ,093 28, RO ,262 14, SE ,250 42, UK 4 2 1,539,979 89, EU/intern 4 0 Total EEA 7,295,903 3,661, Total EU 7,013,738 3,636, Total euro area 4,638,134 3,215, November 2018 Energy Efficient Mortgages Initiative 21
22 Covered Bond Label: Sustainable Covered Bonds The Labelled Sustainable Covered Bond Definition: November 2018 Energy Efficient Mortgages Initiative 22
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