eSave is a unique platform for the impact validation and reporting of both EE and RE measures (and portfolios). Moreover, it is a cost-effective tool to manage non-financial disclosure requirements – such as environmental, social and climate impact of their lending business.
eSave has been in use for over 10 years by over 40 financial institutions in 18 countries in 19 local languages. The quality of eSave assessments and caluclations is certified by a leading German independent accreditation body – TÜV Rheinland.
eSave supports both standardized and non-standard
energy-efficiency (EE) and renewable energy (RE) measures. Standard measures include common investments like window replacement, heating system upgrades, and PV panel installations. Non-standard measures are evaluated using simplified energy impact assessments by experts. For each planned green measure eSave calculates the impact in terms of expected energy savings.
Scope definitions from the GHG Protocol
eSave eSave calculates the GHG footprint of loans and portfolios according to the GHG Protocol (Category 15: Investments), using both detailed project data (bottom-up) and average sector data (top-down) in line with PCAF standards and ECB guidelines..
eSave can evaluate the environmental, social, and governance
performance of loans using internationally accepted IFC E&S performance indicators and the World Bank Government Effectiveness Index. It provides scores ranging from A (high risk) to C (low risk), eliminating subjective estimations by loan officers on the level of Financial Institutions (FIs), enabling a portfolio-wide risk assessment and ultimately facilitating non-financial reporting.
eSave 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.
The eSave physical climate risk assessment methodology follows guidelines
established by UNEP FI and ECB/ European Systemic Risk Board and covers exposure ofa portfolio to specific physical risks under current conditions and under two climate change scenarios, projected to 2030 and 2050. Specifically, forward-looking indications are provided for two representative concentration pathways (RCPs) as scenarios of the increase in radiative forcing through 2100. These drive the climate factors in the General Circulation Models.
eSave evaluates loans against the EU Taxonomy, determining their eligibility and alignment with Substantial Contribution (SC) technical screening criteria and categorizing them accordingly.
The calculation approaches and approximation models for GHG
emissions and energy demand calculations used by eSave have been certified by TÜV Rheinland.
The certification criteria include Plausibility and System Consistency,
Calculation Methodology, Selected Data Sources, and Applied Calculation algorithms.
The certificates are verifiable via Certipedia.
eSave is an independent web application, fully managed by MACS and offered to financial institutions as Software as a Service (SaaS). It works independently from the FI’s internal management and information systems in order not to interfere with FI’s IT security regulations. No sensitive client data is shared with eSave. Other, deeper integration models with FI’s systems are also possible.
eSave 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, measure selection, report customisation, etc.
eSave currently includes over 50 standardized measures and 11 non-standard RE/EE measures, classified into groups like agri-equipment, household appliances, RE/EE use by households or businesses and vehicles.
Yes, eSave is used for reporting of GGF, KfW, GCPF, FMO credit lines all over the world.
The User Manual, a Quick Reference Guide and a document describing the calculation approach can be downloaded directly from the eSave homepage.
MACS provides a full training course for eSave, both on-site and remotely. The on-site training of new users can be either classroom-based 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.
Yes, MACS provides a complete eSave support and helpdesk. The helpdesk support email is: esavesupport@macsonline.de
For further information, please contact: info@macsonline.de
