Are ways to invest money conscientiously and stefan nolan knows all about them hes a banker and deals with sustainability for 15 years hes been advising customers and deciding whos loans get approved. If i really feel like i can make a difference with the way started in a conventional bank and it was when i just started a family i asked myself what should i do with what ive learned what am i leaving behind for my children. Stefan switch to g. L. s germanys oldest Sustainable Bank it does things a little differently to other banks it funds ecological projects and doesnt hand out bonuses stefan is on his way to meet an entrepreneur who needs money for his grand vision. Of india is known as plan is to make paper out of grass. One of the big scale it already works on a small scale and he says it would protect resources but can only meet demand for the new role material if he expands his business. We need a new plant so were looking for someone from the sustainability sector who would live out this ideal weather and help to finance the plan lived. In and see it needs to be fully financed so were talking about an investment of around 1200000. 00 euros of. Cardboard boxes and paper a currently produced in big factories the raw material is usually good and often comes from far away its an Energy Intensive process that plans to convert grass into pellets and sell them to paper mills the 1st test for mass production was successful creation paper from grass would be a revolution in paper manufacturing the. Bank is here to see for himself could grass pellets really replace wood and how much demand is there is it really more sustainable to make paper from grass these are key criteria for the loan approval. Is so much this is a box we produce it has to look good to us the better it looks the more people use it thats the key really. Is that its also a very reusable thing you know. Because its off to see you thats the goal the more the consumer uses it the better the Carbon Footprint. This is the raw material that we sell the paper mills for colorful. Pellets from grass thats what id really like to see because of course youre welcome to see the entire process lets go take a look. At just. Before he invests in the project stefan wants to see the entire production chain from grass to pellets to paper. The german capital berlin is also a hub of innovation what was once europes biggest multitask has gradually been transformed over the last 10 years the idea is to live and work under one roof as socially creatively and ecologically as possible the 1st companies and tenants have moved in now its time for the next construction phase and for that they need money. The reach of peaches and marlene venus run multi 5 break the german for multitasking they hope their plans will win over these 2 employees from treated us bank the prerequisite for a line is a sustainable and holistic concept. And we have a carpenter here to put in the windows new wave is the company destroying our signage begin we eat lunch here at the restaurant so the money stays here we invest in our tenant you know a little bit over the 3 record period you have coworking actually make sense here because the term is supposed to mean that everything is interlinked the various companies on site network and do business with each other and thats. With us its gotten to us that the tenants appreciate the space and help to shape it with thats the fundamental idea behind our careful loving and sensitive approach towards property rights. And selecting tenets it was not always this way but now we only least to nice people. At the albion in. Order and that fits the concept careful and loving i like the. Break is in charge of renting out months fabric an area of 4000. 00 square metres everything is coordinated with chain brands and a sustainable economy basle grows in this greenhouse the fertilizer comes from the excrement of fish that are bred here these berlin grown herds and fish and then sent on a short journey to local supermarkets and restaurants the public pond is fed with food. To drain water to save resources. The on site restaurant. Provides regional cuisine using organically grown produce there now planning to develop another section of the old factory the before any new Sustainable Companies and stops can move in they need to raise money. Entrepreneur frank simple founded the project hes long been searching for a bank that matches the philosophy of mounts fabric. To bunk beds the coffers of the traditional banking world is foreign to us and many aspects of the process with triode us bank is very exciting and. I think they still have to act as a bank because they have a regulatory and a risk oriented responsibility. They do the things banks do who. I think also ask about the use about the product you know its a Financial Partner that also contributes towards social value and sustainability now thats what they stand for and that was very important to us leave. The birds when nesting in the old building when frank discovered as other investors probably would have got rid of them. I know on the phone we have an ornithologist now. The Environment Agency one of the birds to be categorized so theyd know which birds live here in the factory buildings probably provide one for you now analyze and observe the whole site. But were creating nesting spots and replacement nesting spots its also an exciting project like a. Wildlife alone wont be enough to convinced. The bank has. Comes closer were very strong on sustainability but thats not the only focus here we also need to look at how to manage the whole thing financially in a way that works and thats where the traditional banking methods come in. Bunk. The. Old banks work with the money their customers pay in everything thats deposited in current and savings accounts banks lend this money out in the form of loans to businesses Public Institutions and individuals banks make money by charging interest Sustainable Banks work in the same way with the difference that they only grant learns to companies and individuals they deem sustainable. Mullets fabric seems to meet the criteria at 1st glance but the bank wants to carefully check whether or not the investment will pay off. In. The brand across kellett factory is undergoing the same approval process can paper really be made out of dried grass and is it worth it to find out more stefan moore from the g s l bank is visiting the companys other side a cross between a farm and a train. Entrepreneurs do the dead know nick is collaborating here with the university of barnet but he still needs to convince the bank otherwise all the work was for nothing as ive been out here as much as the view im here to see how the production process works in the testing times thats what it is its something we want to finance on a large scale can it even be implemented on a small scale what does the product look like and how is it made. Of how convincing is the customer attitude is desire to make a difference. As we im here i have several mills here on campus this is a cutting mill that will i have in the factory but this ones on the ball. As it is the cutting bill will be about 3 metres high i can hide behind that. This is for the huge advantage of making paper out of grass fibers is that we dont need around 2 liters of water per tonne of raw material as opposed to 6000 liters. Making paper out of grass protects resources and its a convincing argument you could make how much will you process to see if this does the aim is to produce 25000. 00 tonnes a year. Because for less years 25000 dollars. Needs a loan for the new machines that can process large quantities of grass into pellets otherwise they wont be marketable the grass is 1st cut into fine fibers they all need to be even in length otherwise the paper mills cant use them then the university of bonn could put a lot of research into ensuring this. Hes been in the industry for decades and knows the paper industrys requirements inside out. Because the grass fire has a so light the have to be pressed into pellets for delivery. Thats what they are as we put a chopped up material on the top here to get all the 5 to 5 so now its bed through the rollers and pressed up against you know exactly thats what creates the pallets. To the political posts then go on the Paper Machine popular the pallets are different lengths. This is my sister kind of it doesnt matter of and the main thing is that the fibers in the pellets are the same length once theyre released thats the most important thing of all of them and every paper mill in the world could implement this tomorrow. So why dont they. Make it a is there for what soit not every paper mill is convey. The world needs this product right now to be popular especially the paper mills that are currently integrated males. In the toilets they work with wood because they have forests. They process the forest directly into politics. Of. The stefan is impressed hell now assess the risks and revenue forecasts of the grass paper to figure out a suitable loan and when i start the company is in it started it would be risky to finance it with Just One Bank loan i miss when we need to spread it out so say we have a loan from g. L. s bank we could support that with crowd funding from g. L. s crowd where we raise money from the public it was a she presented various projects on our website in a film we show the numbers whats behind it the plan that anyone can then get involved by investing up to 10000 euros in the project as a kind of private loan. With crowdfunding investors lend directly to the project of their choice mediated by the bank to reduce their own risks if the company goes bankrupt the money is gone if the company is successful theres a lot of income to be made from interest. Because my this is a great example of how you can make a lot of money from a product thats also doing its bit for the environment who just go for doing. Stefan will now see whether or not the g. L. s customers also want to piece of the grass paper company. And. This event in stuttgart is all about money invested is germanys biggest financial trade fair thomas cushion my style books for the nonprofit environmental Human Rights Organization facing finance for years hes been analyzing the investment behavior of Financial Institutions and revealing. Dubious companies they invest their billions in. Their future bank not released even year off the best you can see at the investment fair there are a lot of banks that claim to be sustainable due to some tight often told at some some openly some in art of the book or 2 in the some published glossy brochures about how they protect the climate and conserve natural resources. But often if you take a closer look at these policies never come to fruition with clean and honest to get on. The term Sustainable Finance carries with it certain requirements there must be no investment in armaments. Graphy or child labor positive criteria includes investment in companies that protect the environment appearing to social standards and following the teachings of churches 40 percent of germans can imagine investing their money sustainably. Thomas is also calling for a body that banks could use to inspect their investments so called Ethics Councils that would help to side with the money goes. To want to get out in this i wish every investor in banker Ethics Council that they could use to guide them because there are a lot of external specialists sitting on these kinds of councils who could offer their expertise with a list and then what youre going to have and its not your expertise i think on. The Austrian Fund manager kempler fons has had an Ethics Council for 2 years the in Space Company is a subsidiary of a conventional bank and invest part of its money sustainably according to its own criteria external experts meet regularly including alfred struggle the trained chemist Advisors Companies on sustainability also in the Ethics Council to nuns and a social ethicist when the fund manager wants to make new investments the council goes through them with a fine tooth comb. That kepler currently invests 16000000000. 00 euros a year the investors money goes into various funds which then invest money into companies around the world 4. 00 of the funds are considered to be mostly sustainable at least 51 percent of the money is invested in Sustainable Companies. They account for 1370000000 euros of investments so far. The Ethics Council deals with large sounds and therefore a lot of responsibility the demand for Sustainable Investment is growing so what happens to industries that do harm the environment they would have no chance of securing funds from the pua Sustainable Banks the kepler Ethics Council however uses the best in class principle. Together we look at whos the best in the industry. To be an Automotive Technology finance or pharmaceutical base we invest in the best most sustainable names is the n b a done so we dont rule out entire sectors for example pharmaceuticals so bush began to fall on the bush and stead we find out whos highly committed to sustainability its yalit in terms of social and ecological sustainability climate protection human rights and so on leaders to see these leaders as the top players and receive funding theres a middle and bottom companies dont when it isnt just. Tell us the best in class approach always mean Sustainable Low technically the Aluminum Company in austria metar arche our mag could be listed in his Sustainable Fund even though aluminum production is known to be a heavy burden on the environment alfred says its high time we rethought these kinds of industries. This. Together with gerald miles now c. E. O. Of the company after it has spent 8 years working to make the company more sustainable arm that produces high quality sheet metal used for example in electric motors in a bid to be greener the company now collects scrap Metal Aluminum and melts it down for reuse. These aluminum blocks wants airplanes and car bodies. But look at it bill substance does look its like vietnam and such a feat material for the products that we make here on site is around 75 to 80 percent aluminum scrap and from premium. The new producing one ton of primary aluminum takes roughly the same amount of energy that 4 households use in a year in the fall and the book that soared to sing a ton of secondary aluminum requires only 5 percent of that a 20th of stuff on this is to the local 10 and sponsor is not seen. Melting and reusing aluminum doesnt affect the quality so its a strategy thats paying off for the company. That made it this dog is at the end of the day with their prices what matters to a lot of customers is in it and were seeing a trend that if you offer a sustainable product thats the same quality thing for the same price as then youre more likely to get the contract to become to so the implication but i seem to think one of the. Progress like this gives alfred confidence that its worth promoting sustainability even in problematic industries the demand for eco friendly aluminum is growing. To follow up next book surf oh for the next few years theyve had orders for this special aluminum from various segments like hybrid car makers who now want clean aluminum. Because theyre worried their customers will ask what the metal is and where it came from. If and how banks and other companies change is hugely influenced by the custom is. There. A lot has changed over the last few years it been in smoltz fabric they still havent been granted the 1000000 euros loan they need to carry on the development. Of the 2 tree at all spankers still dont know if the offer is attractive enough to new. New hastens. Orica peters is in charge of new inventions and tells us about the new expansion chimes. Give a federal to the customer public this is the this is the next building with a plan to renovate right now where underneath the old steeping tanks. But. Before this is where the grain was poured in usually barley it was then left to soak in germany. We think well leave a couple of them to preserve the charm of the space and so the tenants can see what used to be here. The floor space is 300 square meters and there are several stories. We have 6500 square meters in the whole building also theres a lot of room to play with. Thats a fish with leisure and thats it takes some imagination to picture offices here but mulch fabric has already managed to rebuild and rent out large sections of the building which is encouraging for the bank is. This why this potential is enormous considering the demand on the berlin market these spaces have been credible potential. Amandas are very high also for the mixed use that marks popping offers of what we. See is projects like this suit the banks philosophy. Doesnt cross the river to infinity and the swinish doesnt know how to financing an industrial building like this it isnt something a Sustainable Bank would normally do but we have to think about what effect a building like this would have on the social environment of the people and it also has to be economically and financially sustainable if you can combine these aspects because its perfect for a Sustainable Banker one of the hardest cuts but. The dutch bank has rented offices in balance quite spec distrait the 2 bankers a crunching numbers from months fabric these sums are in the millions money from investors who want to support sustainable projects and make money their employer tritos spank is still quite new in berlin i cant afford to make mistakes florian cos has made a living from his convictions how much time the cause of global. Holds there are so many problems in the world and challenges to solve and everyone can do their bit whether its your daily consumption travel your electricity provider or whatever because the thing no one really thinks about is Sustainable Banking and my. It has a lot of power in here. Around 157000000000 euros are already sustainably invested in germany thats around 3 percent but the trend is growing if a corporate interpreters who used to germanys Consumer Association examined the Carbon Footprint of funds with a one off a 1000. 00 euro payment for a year and the result was huge for between the best and the worst funds there was a difference of 800 kilograms of c o 2 which as of here you would produce that driving from the north cape to naples so if you have 10000 euros or even 100000 thats a huge impact so think what a bank could do with 100000000 or a spike in with. Some of these millions will go into the months 5 break their loan was approved and the expansion can continue. The g. L. s bank gave stephane millers grass paper the green light to hes been granted a loan at 600000 euros and g. L. s customers clearly believed in the product to he raised another 600000 euros of private investment through crowdfunding in just 12 hours. Base of us the business will see it why should i feel a laded when i see how quickly it can work because it gives me reassurance about what were doing and its impacting the current market people are really interested and want to be involved in this its a confirmation for our work that what were doing here is right even beyond the question number turns content wise its exactly what we want to do and its the right time for this kind of work its a satisfying feeling to know were not alone were part of a crowd a community and it works well with investments need to sustain. The 1st grouse pellet system in the world can now be built on an industrial scale. No. Checks of delivery of machine parts. Production is shuttled to starting in train mom. Does its decline this is the smaller part here with humans or it might look big now but you have to imagine it would be working on cuboid or around bales that way 350 kilos in this little wish this stuff is what they need to be thoroughly shredded and go to parties and also you need to be a bit violent with it thats work and soon the company will turn 75000 bales into grass pellets here every year this could be a big step towards making paper more eco friendly. Response just off the record that its starting soon the next part is well right sometime next week that extend we can slowly but surely start putting it all together its a great feeling for us fung as the sun looks good school just good for phones. There are plenty of ways we can make the economy more sustainable x. Committees and dedicated Bank Customers who ask way of a money guns we all have the power to contribute to more course. They get things moving. Day to day making noise. Miniature models made out of paper and they work just like the real thing. The man who invented the shows host how he doesnt. Want your romance in 30 minutes w. Hollywood rushed to make up for sunderland an exclusive performance on her. Plus german singer songwriter model amy you know. In 75 minutes on d w. Earth. Home to millions of species a home for saving. Kids which are those are big changes and must start with small steps global ideas tell stories of creative people and innovative projects around the world my teams have come to the climate. Green Energy Solutions reforestation. They create interactive content teaching the next generation about Environmental Protection and were determined to build something here for the next generation. Like the multimedia environment series on t. W. Closely. Carefully. And will soon be sure. To be a good. Match. To discover. The slate. Subscribe to documentary on you tube. The to. Play. Play play play. This is news live from berlin hong kong heads to the polls in kenya local elections chief executive kerry lam is under pressure of prodemocracy demonstrators want to send her in beijing a message with ortiz warning theyll cut off all of the vote if i dont springs out again also coming up. Bolivia Senate Approves a bill that could pave the way for a new election without former president evo morales the interim government hopes a new poll and weeks of on the rest that has left dozens dead
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