Green, Social & Sustainability Bond Framework Impact Report

This report details the emissions methodology employed by Mediobanca to estimate the avoided CO2 emissions of its Green Buildings Loans Portfolio. The methodology is structured around four key pillars: calculating greenhouse gas emissions of buildings, identifying a national benchmark, assessing portfolio positive impact, and implementing reporting measures. The calculation of emissions utilizes data from Energy Performance Certificates and estimates from Mediobanca and CRIF. The report also outlines the identification of a national benchmark through the SIAPE database, which provides essential data on energy efficiency for Italian real estate. Furthermore, it discusses the methodology for measuring avoided emissions, including the filtering of data and the attribution of emissions based on loan-to-value ratios. The report concludes with an analysis of the positive carbon impact on Mediobanca’s portfolio, presenting detailed metrics on avoided emissions, energy savings, and the overall positive carbon impact per million euros invested.