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 30.06.2021:

 
 
Fair trade
Bäuerlicher Notstandsfonds
Biologic Agriculture
Renewable Energy
Energetic Reconstruction
Less Handicap
handicraft
Saving funds
Sparmittel
5.917.482,78€



6.652.715,29€


8.981.506,61€

2.374.162,43€
795.212,57€


1.339.384,56€


536.711,09€

Financing
Finanzierungen
4.313.424,29€


3.598.982,84€
7.826.072,72€


542.323,80€


136.909,48€

723.845,63€
244.156,80€

balance fundings - Saving funds
Differenz Finanzierungen - Sparmittel
1.604.058,49€

3.053.732,45€


1.155.433,89€

1.831.838,63€

658.303,09€


615.538,93€


292.554,29€

 
 
 
 
 
 
 
 
profits % excess
Vorschlag % Überdeckung
20%
20%
20%
20%
20%
50%
20%
Total
Gesamt
5.176.109,15€


4.318.779,41€


9.391.287,26€


650.788,56€

164.291,38€


868.614,76€


292.988,16€

Balance
Differenz
862.684,86€


719.796,57€


1.565.214,54€


108.464,76€


27.381,90€

144.769,13€


48.831,36€
 

Here is the current overview of the financing interest loans for the second semester of the year 2021 (30.06.2021-31.12.2021):

 
Bezeichnung
Basis
Spread
Finanzierungen
Fair Trade (CTM - Gerechter Handel)
0,105%
0,500
0,605 %
Biologic Agriculture (Biologische Landwirtschaft)
0,128 %
1,000
1,128 %
Helping People (Menschen Helfen - BNF)
0,239 %
0,750
0,989 %
Renewable Energy (Erneuerbare Energien)
0,121%
1,000
1,121 %
Energetic Reconstruction (Energetische Sanierung)
0,112 %
1,000
1,112 %
Less Handicap (Weniger Handicap)
0,129 %
0,500
0,629 %
Handicraft (Handwerk)
0,274 %
1,000
1,274 %