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ShoreBank Pacific
Altering the Profile of the Future
April 20, 2002
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• Bioregion (coastal temperate rainforest) has the highest standing biomass in the world & other abundant resources
• Existing industries can be led to sustainable practices
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Vision Statement
ShoreBank Pacific profitably assists businesses and through them, their communities, to be sustainable through their economic, social and environmental practices.
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Current Growth
March 31, 2001 March 31, 2001
($000) ($000)
Total assets 23,798 45,762
Net loans 11,821 18,377
Deposits 18,941 39,146
Equity 4,632 4,036
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Skills Essential to Success
Firmly grounded in natural science
Solid business acumen
Full understanding of banking
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Key Areas for Evaluating Perpetual Activities
Process: Natural Productivity
– AKA Green plants and microbes rule
Process: Green chemistry / Engineering
Process: Efficiency
Community: Diversity & Stability
Landscape: Spatial Conservation
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Natural Productivity
Use of basic materials that are
produced by natural synthesis,
at levels necessary to maintain
good ecological health.
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Natural Productivity: Goals
Promotes sustainable natural synthesis
Supports essential ecosystem goods & services
Supports traditional, yet sustainable land use
Uses conservation easements and other tools to
protect open lands, keep operations profitable
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Natural Productivity: Biz Areas
Organic / Sustainable land management methods:
[e.g. organic dairy farm]
Compost, fertilizer production from organic waste
Local & direct sales of food & goods
Value-add to natural production
Bioremediation
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Green Chemistry/ Engineering
Reducing use and emissions of toxic materials, metals, fossil fuels, and
synthetic, persistent toxic materials and
substances.
Enhancing the use of renewable energy, materials and substances in processes,
goods and services.
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Green Chemistry: Goals
Materials efficient designs
Mimicking nature to create processes & materials that are reusable, recyclable, solar-based
Increased diversity of reusable materials
Improved quality, especially of food
Recycling
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Green Chemistry: Biz Areas
Energy & materials efficient production processes,
technologies
Effective monitoring & control systems
[e.g. combustion technology]
Green construction methods that reduce materials use, solid waste, including rehabilitation
Local value-added processing
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Efficiency
Eliminating waste at the source.
Enhancing reuse, re-manufacturing, internal and
external recycling.
Increasing efficiency by which natural resources
are extracted, processed and used.
Using efficient and effective alternative energy
systems.
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Efficiency: Goals
Conserves energy, reduces need for energy,reduces ecosystem disruption
Conserves embodied energy
Does not degrade essential ecosystem services
Durability
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Efficiency: Biz Areas
Energy production on-site, distribution, storage, or produces alternative energy devices
Green construction
Reduces process consumption in existing or new
plant (materials – energy – water – waste)
Efficient transportation [e.g. car share]
(mass transit, train, bicycle, other)
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Community Diversity & Stability
Enhancing business development, economic
competitiveness, job creation, fairness in
resource use and distribution to meet basic
human needs, public safety, health care and
education, consistent with other principles.
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Community Diversity & Stability: Goals
Connects worker to community, landscape
Protects all members, which conserves resource of
each to larger community
Values each member within larger community
Promotes stability and diversity of local economy
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Community Diversity & Stability: Biz Areas
Widens skilled job base, family-living wages
[e.g. cell center]
Builds, remodels, renovates low-income housing
Improves health, safety, worker conditions, job safety,well-being of community
Biz development & ownership among under-
supported groups
Widens home & land ownership base
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Landscape – Spatial Conservation
Conserving, protecting, and restoring
productivity, capacity and diversity
to levels necessary to maintain
ecological health.
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Landscape: Goals
Improves, supports and diversifies existing community
Reduces exposure to recurrent natural disasters
through location and construction methods
Protects open land, attendant ecosystem services, traditional uses
Conserves, restores functional landscapes
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Landscape: Biz Areas
Infrastructure projects – water, sewer, communications, data & energy
In-fill, rehabilitation of structures, brownfield reuse, green rehabilitation
Redesign of communities for increased efficiency, resilience & durability
Methods of power production, distribution, storage that are ecologically appropriate to landscape
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Assessing a Loan – Example
Client makes overlays for panels with reduced organic solvents (<75 %), line of credit and refinance loans total $800,000.
Scores range from 0 (not applicable) to 3(high) Score
Process 1 – Natural Productivity 0
Process 2 – Green chem / engineering 3
Process 3 – Efficiency 3
Community 2
Landscape 0
Total 8
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Loan Portfolio: December 31, 2001
$0
$1,000,000
$2,000,000
$3,000,000
$4,000,000
$5,000,000
$6,000,000
0 1 2 3 4 5 6 7 8 9 10 11
Score
Lending portfolio sorted by scores based on mission evaluations,for period ending December 31, 2001.
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Loan Portfolio: December 31, 2001
Not mission-related
Natural productivity
Green Chemistry
Efficiency
Landscape
Community30%
32%
10 %
7 %
4 %
17 %