Knowing for what. Ethical Banking in Numbers and Facts.
Notice for all our customers and savers
The idea behind Ethical Banking is not to maximize the bank’s profit, but to be of use for the society.Since the very beginning, Ethical Banking has been embossed by absolute transparency and safety. Through our target-oriented deposit selection, we can always grant more and more credits for different kinds of sustainable projects, which do not only provide a positive contribution to our society, but also to our environment. The financing which we execute is chosen due to the predefined rules. Furthermore, we control and observe all projects periodically. We covenant ourselves, so that all the savings which customers have trusted us with are used specifically for a project in the sustainable topic, which they chose in the first place.
The savings which are not needed at the moment are deposited in the Raiffeisen bank in Bozen, until they find use in one of the many different projects in Ethical Banking, in the sustainable topic which you chose.
Overview for the 31.12.2022:
Fair trade |
Bäuerlicher Notstandsfonds |
Biologic Agriculture |
Renewable Energy |
Energetic Reconstruction |
Less Handicap |
handicraft |
|
|---|---|---|---|---|---|---|---|
Saving funds Sparmittel |
6.093.072,96€ |
7.881.201,30€ |
9.574.190,74€ |
2.263.990,13€ |
549.446,06€ |
1.364.727,66€ |
1.279.000,56€ |
Financing Finanzierungen |
-4.067.633,19€ |
-4.941.093,30€ |
-9.116.808,47€ |
-1.250.383,31€ |
-469.057,86€ |
-469.057,86€ |
-309.021,37€ |
balance fundings - Saving funds Differenz Finanzierungen - Sparmittel |
2.025.439,77€ |
2.940.108€ |
457.382.27€ |
1.013.606,82€ |
80.388,2€ |
616.652,49€ |
969.979,19€ |
profits % excess Vorschlag % Überdeckung |
20% |
20% |
20% |
20% |
20% |
50% |
20% |
Total Gesamt |
4.881.159,83€ |
5.929.311.96€ |
10.940.170,2 |
1.500.459.97€ |
562.869,43€ |
897.690,2€ |
370.825,64€ |
Balance Differenz |
813.526,64 |
988.218,66 |
1.823.361,69 |
250.076,66 |
93.811,57€ |
144.769,13€ |
61.804,27€ |
Here is the current overview of the financing interest loans for the first semester of the year 2024 (31.12.2023-30.06.2024):
Bezeichnung |
Basis |
Spread |
Finanzierungen |
|---|---|---|---|
Fair Trade (CTM - Gerechter Handel) |
0,483 % |
1,000 |
1,483 % |
Biologic Agriculture (Biologische Landwirtschaft) |
0,568 % |
1,000 |
1,568 % |
Helping People (Menschen Helfen - BNF) |
0,480 % |
1,000 |
1,480 % |
Renewable Energy (Erneuerbare Energien) |
0,649 % |
1,000 |
1,649 % |
Energetic Reconstruction (Energetische Sanierung) |
0,712 % |
1,000 |
1,712 % |
Less Handicap (Weniger Handicap) |
0,672 % |
1,000 |
1,672 % |
Handicraft (Handwerk) |
0,363 % |
1,000 |
1,363 % |