eSave is an online platform which supports Financial Institutions in assessing the environmental, social, and climate impact of their lending business. For finance professionals, eSave can perform complex calculations to determine energy saving potential of green loan products, verify the generation capacity of small hydro power plants, including the ecological flow, and to estimate the GHG footprint of loans and loan portfolios.

The eSave scoring approach enhances in-house ESM Systems. It allows management to steer the alignment process with the institution’s environmental, social, and climate policy goals and is a valuable, cost-effective tool to manage non-financial disclosure requirements.

eSave offers a secure, efficient, and flexible work environment according to specific needs of clients. It allows for the consolidation of green portfolios and provides reports on environmental, social, and climate impacts.

eSave is a web based service provided by MACS Energy & Water, an independent Consultancy based in Germany (www.macsonline.de).


eSave GC is a tool which enables financial institutions to verify, monitor and report “green loans”. Standardized green measures implemented in the tool allows simple verification of standard green loan products and calculates the impact in terms of energy savings, greenhouse gas reduction but also water savings or other environmental resources. Everything’s is adaptable to specific conditions like countries, languages, loan products, climatic conditions etc.

At the end eSave GC provides eligibility checks of potential loans and helps FIs to monitor and report their environmental portfolio.


Scope definitions from the GHG Protocol

eSave Scope 3 calculates the GHG footprint of bank loans and loan portfolios according to the methodology described by the GHG Protocol (Category 15: Investments), the leading standard for carbon accounting.

Our calculation approach is bottom-up, when detailed information on the energy consumption of a particular investment is available. If this is not the case, then a top-down approach is followed, based on average sector data, as published in official national statistics.


In order to facilitate the non-financial reporting of financial institutions, MACS has developed an easy to use and cost-effective approach to evaluate and track the environmental, social, and climate (ESC) performance of individual loans and loan portfolios, on the basis of sector, location, and measure evaluation of single loans. This solution is based on internationally accepted risk and sector classifications, and draws upon multiple databases for location-risk scoring.

The proposed ESC scoring method produces a range of scores between A+ and E-, with A+ describing a client operating in a low risk sector and location and implementing a positive impact measure. E-, on the other hand, describes a client operating in a high risk sector and location, and implementing a negative impact measure.


The Physical Climate Risk (PCR) eSave module leverages location intelligence, climate modelling, future scenario analysis and data analytics to identify and quantify climate-related risks, such as floods, windstorms, wildfires, heatwaves and water stress to landed assets. Banks and other financial institutions can enhance their decision-making processes, strengthen due diligence practices and proactively mitigate potential losses associated with climate hazards by integrating the instantaneous and ready-to-use PCR service from eSave into their risk management frameworks.


Increased levels of investment into CO₂-neutral energy generation is one of many necessary steps needed to achieve the ambitious goals set by the 2015 United Nations Climate Change Conference in Paris. A substantial fraction of this investment will support development of small hydropower plants around the world, making better use of around 100 GW of small hydro power potential. However, the relatively small size and the uniqueness of individual projects will often hinder correct project assessment from the point of view of engineering, environmental and economic feasibility.

eSave Hydro Power is a decision support system that helps investors and financiers in the assessment of existing and potential small hydropower projects. Building upon the experience of MACS engineers, extensive project database and industry standard algorithms, eSave Hydro Power is capable to provide a quick and accurate assessment of small hydropower suitability of any riverside location around the world, to estimate potential energy generation at the location and to suggest the most appropriate system design.

eSave Hydro Power is an innovative Web-based tool employing cutting edge IT and forecast technology designed to appeal to water and finance professionals alike to deliver reliable and verifiable results within tight time frames and constrained field visit budgets.


The eSave Calculation Method in regards to GHG Emissions and Primary Energy Demand Calculations is certified by TÜV Rheinland. The certificates are accessible via Certipedia.

The certification criteria include Plausibility and System Consistency, Calculation Methodology, Selected Data Sources, and Applied Calculation algorithms and TÜV confirms the scientific validity to assist banks and financial institutions in managing credit lines associated with energy efficiency and renewable energy portfolios.


1. Does eSave FP require any kind of integration with our own system?

eSave FP works independently from the FI’s internal management and information systems (MIS) in order not to interfere with FI’s IT security regulations. eSave FP is located on a secure https page: https://login.macsesave.com/.

2. Is eSave FP customizable?

eSave FP is customizable with respect to country specific data like climatic zones, language, currency, as well as to certain FI specific features like branches, client types and RE/EE measures that can be financed.
eSave Hydro is capable to obtain data from national river gauge databases or from custom river runoff records.

3. Which RE/EE measures are included in eSave FP?

eSave FP contains both standard and non-standard measures. For standard measures eSave FP (based on the inputs of specific data) calculates the savings in primary and secondary energy as well as in CO2 emmissions. eSave FP currently includes over 50 standardized measures and 11 non-standard RE/EE measures.

4. Is eSave FP an acceptable tool for reporting of green credit lines?

Yes, eSave FP is used for reporting of GGF, KfW, GCPF, FMO credit lines all over the world.

5. What kind of documentation is provided with eSave FP?

The User Manual, a Quick Reference Guide and a document describing the calculation approach can be downloaded directly from the eSave homepage.

6. What kind of training is provided for eSave FP?

MACS can provide full training for eSave FP. The training of new users can be either classroom or on-the-job training, depending on the FIs needs and requirements. Our trainings apart from actual handling of the software may also include training in identification of RE/EE measures and technologies or additional hydrologic and economic statistics.

7. Is there support and helpdesk for eSave?

Yes, MACS also provides eSave FP support and helpdesk. The helpdesk support email is: esavesupport@macsonline.de

8. Where can we get more information?

For further information, please contact: info@macsonline.de


eSave is implemented at more than 80 partner institutions in the Western Balkans, Croatia, Turkey, Georgia, Armenia, Azerbaijan, Ukraine, Moldova, Costa Rica and the MENA Region, including at the following:
Crnogorska komercijalna banka “CKB”, Montenegro
Erste Bank a.d. Novi Sad, Serbia
Erste Bank a.d. Podgorica, Montenegro
BKT Banka Kombetare Tregtare, Albania
Burgan Leasing, Turkey
Inecobank, Armenia
Raiffeisen BANK dd Bosna i Hercegovina
Raiffeisen banka a.d. Beograd, Serbia
Megabank, Ukraine
Halkbank a.d. Skopje, Macedonia
Ohridska banka, Macedonia
JV MFO “Microinvest” LLC, Moldova
Zagrebačka banka d.d., Croatia
Şekerbank T.A.Ş., Turkey
Partner MKF, Bosnia and Herzegovina
Privredna Banka Zagreb dd, Croatia
Banca Intesa a.d. Beograd, Serbia
BAC San José, Costa Rica 
UniCredit Bank, Serbia 
Yapı Kredi Leasing, Turkey 
AK Lease, Turkey
Finansleasing, Turkey 
Bank of Alexandria, Egypt 
Garanti Leasing, Turkey 
Tunisie Leasing, Tunisia
National Bank of Egypt 
TBC Leasing, Georgia 
Banque du Caire, Egypt 
BTL, Moldova


eSave FP for a green credit line in Turkey

A large bank in Turkey administers green housing loans provided by international development banks & green funds. The bank uses eSave Financial Products (FP) in the internal loan eligibility verification process and allocates approved loans to appropriate funding sources. The bank also relies upon eSave FP to fulfil its reporting obligations against the sources of finance and to monitor the overall carbon footprint of bank’s activities. The efforts of the bank to support green finance & climate change mitigation efforts were duly acknowledged when the bank was selected to represent the financial sector of Turkey at the “Rio+20 United Nations Sustainable Development Conference” in Brazil in 2012.

Since 2010 more than 10,000 loans have been eligibility checked and reported through eSave FP, resulting in verifiable documentation of approximately 160,000 tons of annual CO₂ reduction.

MACS eSave Case Study Financial Product 1MACS eSave Case Study Financial Product 2

eSave HP for risk assessment of a project in Serbia

An investor approaches a bank in Serbia with a loan request for construction of a small hydropower plant on Gobeljska river in the Samokovo municipality. According to the business plan, profitability of this investment is achieved if the installation is capable to generate more than 4 GWh per year. The bank uses eSave Hydro Power in the due diligence process and finds out that, based on 50 years of flow data at the adjacent river gauge at Biljanovats, the long-term average expected generation at this location is rather 3.26 GWh per year. The software also indicated the possibility that in some years this location may only be able to produce less than 1 GWh.

The bank includes these results in its risk assessment and is able to include adequate mitigation measures, thus taking an informed decision on this loan request.


MACS eSave Case Study Hydro Power 1MACS eSave Case Study Hydro Power 2


MACS Energy & Water
Arnsburger Str. 64
60385 Frankfurt/Main Germany

Phone: +49 (69) 943188-0
Fax: +49 (69) 943188-18