Privacy Policy

Privacy Policy

Privacy Policy 

Communication of updated GDPR Privacy Policy: April the 9th of the year 2021.

For the sake of transparency, we want to inform publicly and clearly our users and potential  on how the data processor complies with methods of processing data; on our purpose of collecting data; on our accuracy in the storage of collected and the amount of data collected for our stated purpose.  We won’t use Your E-mail address information neither to sell it to third parties nor to create spamming and for this we try our best to select proper servicing providers. We won't share Your E-Mail address with any third party unless this is in compliance with the following laws on Privacy in respect of the territories of European Economic Area (EEA) and non-EEA markets.

To read the UNIGIRO updated Privacy Policy click here

 


 
Happy Easter 2021

Happy Easter 2021

“The climate change is an urgency to be solved in this critical moment of history to cure our common home .. the earth”


- Pope Francis


Green Asset Ratio and Corporate Social Responsibility

Green Asset Ratio and Corporate Social Responsibility

 

FINANCIAL SUSTAINABILITY

 

Research and studies on environmental sustainability in the light of the continuous and apparently unstoppable environmental and climatic damage endanger humanity and the future of humanity, in fact it was scientists who brought to the World Economic Forum already during the early 2000s the following questions to which a precise answer already had to be given:

WHICH ACTIVITIES ARE FINANCED BY BANKS AND THE BANKING SYSTEM?

Well, just a few days ago, the European Banking Association (EBA) introduced the missing piece publishing the ESG document on Environmental Social Governance, writing and placing a decisive attention that the banking system needs a system of KPIs to improve financial sustainability, implications and reasons are focused on a more broad sustainability touching the future of the planet earth.

The EBA emphasizes the importance of having a KPI Green Asset Ratio that is supported by other KPIs in order to understand how institutions finance sustainable activities in order to achieve the objectives of the Paris Global Agreement.

For some time now we have all been more attentive to climate change and to everything we can do to safeguard and improve our future and that of the planet. Investments must also go in this perspective, which from the first suggestions should no longer be evaluated solely and exclusively on the basis of the income that the activities can generate and therefore from a purely economic and financial point of view, but also from the point of view of financial sustainability and risk management with a strong focus on environmental, social and governance aspects. The EBA, the European Bank Authority that provides advice on key performance indicators, or KPIs, highlighted the need for a Green Asset Ratio (GAR).

 

 

ESG INVESTMENTS CRITERIA

 

The majority of investors are increasingly approaching investments that comply with the parameters mentioned above and set by the EU, the ESG criteria are as follows:

Criterion E - Environmental, is the parameter that refers to the environment, carbon dioxide emissions, the reduction of the use of natural resources and food safety.

Criterion S - Social, and therefore respect for human rights, equality, conditions in the workplace

Criterion G - Governance, concerns for example the diversity of the composition of the board of directors of a company, equal pay for men and women, the fight against all forms of corruption.

This last parameter is extremely important as it is the one by which external observers evaluate the company, through the ESG Rating the validity of a company is defined in relation to its environmental, social and governance commitment. The specialized agencies elaborate the sustainability rating through the data that are provided by the authorities, from the data provided by the companies themselves and also from public information.

The fact that investors focus on the sustainability of the companies in which to invest automatically leads them to have to evaluate systems that reduce waste and take into account all the consumption and needs of the company itself, therefore a company that uses renewable resources and reduces its consumption of energy, heating and water will certainly attract the attention of investors.

The EBA, the European Bank Authority that provides advice on key performance indicators, or KPIs, highlighted the need for a Green Asset Ratio (GAR).

The EBA has published an opinion in response to the request of the European Commission to provide the necessary advice on indicators and directives on which parameters a company must have to be defined environmentally sustainable with the EU taxonomy.

 

 

KPI & GREEN ASSET RATIO

 

EBA elaborates the calculation methodology that the KPIs should possess as well as the qualitative information that will be provided through the KPIs themselves.

The main KPI proposed is precisely the GAR (Green Asset Ratio) which identifies the assets of the institutions that finance sustainable activities in line with the taxonomy of the European Union, in particular those in line with the European Green Deal and the Paris Agreement. .

The data collected by the GAR will have to be integrated with other KPIs that provide information on the taxonomic alignment of services and that are different from loans and investments. Therefore, an investment will be considered sustainable only when it is able to create value through an integration between financial and ESG analysis.

In this perspective of absolute need to monitor and above all to be able to effectively analyze the financial solidity of a company but also to be able to make a predictive analysis of the same in order to be able to assess and monitor the level of credit risk and the same financial risks it faces. the possibility for investors to use the UNIGIRO portal.

In fact, UNIGIRO uses an absolutely particular monitoring and analysis system, using as many as 100 KPI indicators for analysis alongside Artificial Intelligence, it turns out to be a high-tech budget analysis engine that manages to monitor and prevent the state of crisis and insolvency. of a company.

In fact, UNIGIRO analyzes all the data of the Chambers of Commerce by preparing detailed reports through an automated process in line with all the methods used most in the banking and private equity sectors.

With a view to continuous improvement, using Artificial Intelligence and with 100 KPI indicators - UNIGIRO is constantly evolving in order to provide its customers and investors with the best predictive analysis system with dynamic and non-static indicators in order to always provide analysis more detailed and reliable in real time.

In this regard, as we have been arguing here, we reiterate and evidence that the Credit Risk Management should be aware of using a wide range of indicators and it must use the UNIGIRO KPI for commercial and industrial activities.

 

Contact us for research puropose !  

 

 

 


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