{"id":10188,"date":"2021-03-17T10:22:34","date_gmt":"2021-03-17T09:22:34","guid":{"rendered":"https:\/\/reclaimfinance.org\/site\/?p=10188"},"modified":"2023-02-28T16:51:18","modified_gmt":"2023-02-28T15:51:18","slug":"mapfre-ameliore-sa-politique-sur-la-partie-assurance","status":"publish","type":"post","link":"https:\/\/reclaimfinance.org\/site\/2021\/03\/17\/mapfre-ameliore-sa-politique-sur-la-partie-assurance\/","title":{"rendered":"MAPFRE am\u00e9liore sa politique d\u2019exclusion fossiles sur la partie assurance"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p style=\"text-align: justify;\"><b style=\"font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing); color: #8ac56b;\"><span style=\"color: #8ac56b;\"><span style=\"color: #8ac56b;\">MAPFRE,une assurance espagnole cl\u00e9 avec \u20ac55 milliards d&rsquo;actifs sous gestion, <\/span><a href=\"https:\/\/www.mapfre.com\/media\/shareholders\/2021\/integrated-report-2020.pdf\"><u><span style=\"color: #8ac56b;\">a adopt\u00e9 de nouveaux crit\u00e8res d&rsquo;exclusion<\/span><\/u><\/a><span style=\"color: #8ac56b;\"> durant son <\/span><a href=\"https:\/\/www.mapfre.com\/en\/general-meeting\/\"><u><span style=\"color: #8ac56b;\">assembl\u00e9e g\u00e9n\u00e9rale de 2021<\/span><\/u><\/a><span style=\"color: #59bc6d;\"><span style=\"color: #8ac56b;\">. Toujours \u00e0 la tra\u00eene derri\u00e8re d&rsquo;autres compagnies d&rsquo;assurances europ\u00e9ennes avec une politique charbon relativement peu ambitieuse, MAPFRE ne rattrape qu&rsquo;\u00e0 la marge ses pairs et reste toujours \u00e9loign\u00e9e d&rsquo;une politique charbon robuste telle que celle d&rsquo;AXA.<\/span> <\/span><\/span><\/b><\/p>\n<p style=\"text-align: justify;\"><b style=\"color: var(--body_typography-color); font-family: var(--body_typography-font-family); font-size: var(--body_typography-font-size); font-style: var(--body_typography-font-style,normal); letter-spacing: var(--body_typography-letter-spacing);\"><span style=\"color: #59bc6d;\">1. Ce qui est nouveau<\/span><\/b><\/p>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">Alors qu&rsquo;<strong>aucun changement n&rsquo;est r\u00e9alis\u00e9 concernant la branche investissements<\/strong> de MAPFRE, <strong>plusieurs changements, list\u00e9s ci-dessous, concernent sa branche assurantielle<\/strong> <\/span><b><\/b><span data-contrast=\"auto\">: <\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Concernant le financement de projets, <strong>MAPFRE \u00e9tend sa politique d&rsquo;exclusion aux nouveaux projets d&rsquo;infrastructures<\/strong>, en plus de celles concernant les nouvelles mines et centrales \u00e0 charbon (avec certaines exceptions)<span data-contrast=\"auto\">;<\/span><\/li>\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Concernant les entreprises dans le secteur du charbon, MAPFRE exclut d\u00e9sormais:<\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"2\"><strong>les nouvelles entreprises mini\u00e8res extrayant plus de 20Mt de charbon thermique par an ou g\u00e9n\u00e9rant plus de 30% de leurs revenus \u00e0 partir du charbon;<\/strong><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"2\"><strong>les entreprises qui souhaitent d\u00e9velopper des centrales \u00e0 charbon d&rsquo;une puissance cumul\u00e9e de plus de 2GW;<\/strong><\/li>\n<li data-leveltext=\"o\" data-font=\"Courier New\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"2\"><strong>les entreprises tirant plus de 30% de leurs revenus de la production d&rsquo;\u00e9lectricit\u00e9 \u00e0 partir du charbon.<\/strong> <b><\/b><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"-\" data-font=\"Calibri\" data-listid=\"7\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">L&rsquo;adoption d&rsquo;un plan de sortie du charbon d&rsquo;ici \u00e0 2030 en Europe\/2040 dans le reste du monde, \u00e0 moins que les entreprises en question aient \u00ab\u00a0adopt\u00e9 des mesures de transition et de d\u00e9carbonisation\u00a0\u00bb.<\/span><\/li>\n<\/ul>\n<p>Au-del\u00e0 du charbon, MAPFRE s&rsquo;est engag\u00e9e \u00e0 <strong>ne plus assurer les nouveaux projets d&rsquo;extraction ou de transport de p\u00e9trole issu des sables bitumineux<\/strong>, et \u00e0 exclure de l&rsquo;ensemble de son portefeuille tous ces projets d&rsquo;ici \u00e0 2030. <strong>Elle va aussi arr\u00eater d&rsquo;assurer les projets li\u00e9s \u00e0 l&rsquo;Arctique<\/strong>.<\/p>\n<div>\n<p style=\"text-align: justify;\"><strong><span style=\"color: #59bc6d;\">2. Notre analyse : trop peu, trop <span style=\"color: #59bc6d;\">tard<\/span><\/span><span class=\"TextRun SCXW224577788 BCX0\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW224577788 BCX0\" style=\"color: #59bc6d;\"><span class=\"TextRun MacChromeBold SCXW242744655 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW242744655 BCX0\"><span class=\"TextRun SCXW197782314 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW197782314 BCX0\"><br \/>\n<\/span><\/span><\/span><\/span><\/span><\/span><\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span style=\"color: #59bc6d;\" data-contrast=\"auto\">Sur le charbon<\/span><\/b><\/li>\n<\/ul>\n<p>La d\u00e9cision de MAPFRE d&rsquo;arr\u00eater le financement de projets d&rsquo;infrastructure li\u00e9s au charbon, en plus des mines et centrales \u00e0 charbon, est bienvenue sachant l&rsquo;importance critique de tels projets pour l&rsquo;ouverture de nouveaux projets d&rsquo;extraction de charbon. Cependant, il est d\u00e9cevant que MAPFRE n&rsquo;ait toujours pas supprim\u00e9 la clause d&rsquo;exception qui lui permet potentiellement, au cas par cas, de passer outre cet engagement, et ce alors m\u00eame qu&rsquo;elle n&rsquo;a pas utilis\u00e9e une telle option depuis au moins 2 ans.<\/p>\n<p><strong>Cependant, concernant les entreprises qui d\u00e9veloppent de tels projets, les restrictions sont encore largement insuffisantes<\/strong>. Selon la GCEL, 196 entreprises pr\u00e9voient le d\u00e9veloppement de nouveaux projets de centrales \u00e0 charbon inf\u00e9rieurs \u00e0 2GW. Ces projets repr\u00e9sentent en tout 160GW de nouvelles capacit\u00e9s charbon. De plus, MAPFRE \u00e9choue \u00e0 exclure 364 d\u00e9veloppeurs de charbon qui pr\u00e9voient soit de nouvelles mines de charbon, soient de nouvelles infrastructures. MAPFRE devrait s&rsquo;inspirer de la politique d&rsquo;AXA qui est elle align\u00e9e sur la science avec une tol\u00e9rance z\u00e9ro concernant l&rsquo;expansion du charbon.<\/p>\n<\/div>\n<div>Nous saluons les progr\u00e8s r\u00e9alis\u00e9s gr\u00e2ce \u00e0 l&rsquo;<strong>alignement des restrictions de la branche assurance de MAPFRE sur celles de la branche investissement concernant les seuils d&rsquo;exclusion d&rsquo;entreprises du secteur, mais consid\u00e9rons que de tels seuils sont insuffisants, et ce particuli\u00e8rement c\u00f4t\u00e9 minier puisqu&rsquo;ils ne s&rsquo;appliquent qu&rsquo;aux nouveaux clients<\/strong>. Cela rend la politique de MAPFRE inad\u00e9quate pour r\u00e9pondre \u00e0 l&rsquo;urgence climatique actuelle. Il n&rsquo;y a en effet <strong>aucune restrictions pour les plus gros producteurs de charbon<\/strong> et ce quelque soit leur taille, et simplement <strong>une faible limite pour les nouvelles entreprises mini\u00e8res en portefeuille<\/strong> (maximum 20Mt par an). Bien que <strong>MAPFRE ait d\u00e9cid\u00e9 d&rsquo;utiliser le seuil de 30% de revenus li\u00e9s au charbon, elle utilise une m\u00e9trique inappropri\u00e9e<\/strong>. En utilisant un crit\u00e8re de revenu plut\u00f4t que la part de production \u00e9lectrique \u00e0 base de charbon, ce seuil d&rsquo;exclusion ne refl\u00e8te pas aussi pr\u00e9cis\u00e9ment la d\u00e9pendance effective des entreprises \u00e9nerg\u00e9tiques au charbon.<\/div>\n<div>\n<p><strong>Le troisi\u00e8me d\u00e9faut principal de la politique de MAPFRE concerne l&rsquo;absence d&rsquo;un engagement envers un plan de sortie du charbon clair et ambitieux.<\/strong> MAPFRE s&rsquo;engage \u00e0 sortir en 2030 du charbon en Europe et en 2040 dans le reste du monde, mais elle autorise les entreprises \u00e0 \u00e9chapper \u00e0 une telle restriction d\u00e8s lors qu&rsquo;elles publient un \u00ab\u00a0engagement de transition\u00a0\u00bb. En ne d\u00e9finissant pas ce qu&rsquo;elle entend par une telle exigence, MAPFRE laisse de nombreuses interrogations sans r\u00e9ponse qui questionnent le s\u00e9rieux de sa strat\u00e9gie de sortie du charbon.<\/p>\n<p style=\"text-align: justify;\">Le fait que cette nouvelle politique<b><span data-contrast=\"auto\"> ne couvre pas non plus la partie r\u00e9assurance de MAPFRE <\/span><\/b>est \u00e9galement probl\u00e9matique. En consid\u00e9rant l&rsquo;ensemble de ces \u00e9l\u00e9ments,<b><span data-contrast=\"auto\"> MAPFRE est encore loin de l&rsquo;adoption d&rsquo;une politique charbon robuste. <\/span><\/b><span data-contrast=\"auto\"><br \/>\n<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"5\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span style=\"color: #59bc6d;\" data-contrast=\"auto\">Sur le p\u00e9trole et la gaz<\/span><\/b><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span data-contrast=\"auto\">Concernant les secteurs du p\u00e9trole et du gaz, nous saluons la d\u00e9cision de <strong>MAPFRE d&rsquo;arr\u00eater d&rsquo;assurer les nouveaux projets d&rsquo;extraction dans les sables bitumineux, y compris les pipelines<\/strong>, et de ne plus en couvrir aucun d&rsquo;ici \u00e0 2030. Elle va <strong>aussi arr\u00eater de couvrir les projets au nord du cercle Arctique. Cependant, cela laisse de c\u00f4t\u00e9 les autres formes de p\u00e9trole et gaz non-conventionnels qui sont les plus polluants<\/strong> (schiste, eau profonde, GNL). Cela est clairement insuffisant puisque MAPFRE peut toujours avec une telle politique soutenir les projets d&rsquo;expansion de gaz et de p\u00e9trole ainsi que les entreprises qui d\u00e9veloppent de tels projets, \u00e0 contrario des choix faits par Suncorp ou Generali qui ont adopt\u00e9 des politiques plus strictes.<br \/>\n<\/span><\/p>\n<div class=\"fusion-text fusion-text-2\">\n<p style=\"text-align: center;\"><strong>Les scores de MAPFRE dans le Coal Policy Tool<\/strong><\/p>\n<\/div>\n<p style=\"text-align: center;\">\n<\/div>\n<div><\/div>\n<\/div><div class=\"fusion-image-element fusion-image-align-center in-legacy-container\" style=\"text-align:center;--awb-max-width:800px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><a class=\"fusion-no-lightbox\" href=\"http:\/\/coalpolicytool.org\" target=\"_blank\" aria-label=\"MAPFRE (FR)\" rel=\"noopener noreferrer\"><img decoding=\"async\" width=\"900\" height=\"400\" src=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/03\/MAPFRE-FR.png\" alt class=\"img-responsive wp-image-10228\" srcset=\"https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/03\/MAPFRE-FR-200x89.png 200w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/03\/MAPFRE-FR-400x178.png 400w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/03\/MAPFRE-FR-600x267.png 600w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/03\/MAPFRE-FR-800x356.png 800w, https:\/\/reclaimfinance.org\/site\/wp-content\/uploads\/2021\/03\/MAPFRE-FR.png 900w\" sizes=\"(max-width: 800px) 100vw, 900px\" \/><\/a><\/span><\/div><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"text-align: center;\"><i>Ce tableau pr\u00e9sente l&rsquo;\u00e9valuation charbon de MAFRE en se basant sur les 5 crit\u00e8res du Coal Policy Tool.<br \/>\n<\/i><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><p style=\"text-align: justify;\"><b><span style=\"color: #59bc6d;\">3. Notre conclusion<\/span><\/b><\/p>\n<p align=\"justify\"><b style=\"color: #8ac56b;\">En r\u00e9visant sa politique charbon, MAPFRE Insurance a seulement am\u00e9lior\u00e9 \u00e0 la marge son classement dans le Coal Policy Tool, en \u00e9tendant son crit\u00e8re d&rsquo;exclusion pour les d\u00e9veloppeurs. Elle ne fait cependant aucun progr\u00e8s sur sa politique d&rsquo;investissement.<br \/>\n<\/b><\/p>\n<p align=\"justify\"><b style=\"color: #8ac56b;\">Par ailleurs, ses crit\u00e8res d&rsquo;exclusion sont clairement insuffisants et ses restrictions concernant les d\u00e9veloppeurs de charbon trop permissifs pour \u00eatre consid\u00e9r\u00e9s comme align\u00e9s sur l&rsquo;Accord de Paris. Un autre probl\u00e8me concerne l&rsquo;absence d&rsquo;une strat\u00e9gie tangible de sortie du charbon. Il y a donc de grandes marges de progr\u00e8s pour MAPFRE.<\/b><\/p>\n<p align=\"justify\"><b style=\"color: #8ac56b;\"><span style=\"color: #8ac56b;\">MAPFRE a aussi besoin de renforcer urgemment sa politique d&rsquo;exclusion p\u00e9trole &amp; gaz<\/span>, en commen\u00e7ant par arr\u00eater de soutenir les d\u00e9veloppeurs, en commen\u00e7ant par les hydrocarbures non-conventionnels. <\/b><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-padding-top:10px;--awb-padding-right:10px;--awb-padding-left:10px;--awb-overflow:hidden;--awb-bg-size:cover;--awb-border-color:#59bc6d;--awb-border-top:1px;--awb-border-right:1px;--awb-border-bottom:1px;--awb-border-left:1px;--awb-border-style:solid;--awb-border-radius:10px 10px 10px 10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-4\"><div style=\"text-align: justify;\">\n<p><b style=\"color: #59bc6d;\">Pour aller plus loin :<\/b><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span class=\"TextRun SCXW65652988 BCX0\" lang=\"EN-GB\" xml:lang=\"EN-GB\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW65652988 BCX0\">Lien vers <u><a href=\"https:\/\/www.mapfre.com\/media\/shareholders\/2021\/integrated-report-2020.pdf\">le rapport integr\u00e9 2020 de MAPFRE (anglais uniquement)<\/a><\/u><\/span><\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><a href=\"https:\/\/reclaimfinance.org\/site\/en\/coal_policy_tool\/\" target=\"_blank\" rel=\"noopener noreferrer\"><u>Coal Policy Tool<\/u><\/a><\/li>\n<\/ul>\n<\/div>\n<\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":28,"featured_media":10272,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[371,58],"acteurs_financiers":[2277],"thematique":[2278,2415,2417],"webinar_type":[],"programme":[],"class_list":["post-10188","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-coal-policy-tool","tag-sortir-des-energies-fossiles","acteurs_financiers-assurances-fr","thematique-charbon-fr-fr","thematique-energies-fossiles","thematique-petrole-et-gaz"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MAPFRE am\u00e9liore sa politique d\u2019exclusion fossiles sur la partie assurance - Reclaim Finance<\/title>\n<meta name=\"description\" content=\"La nouvelle politique de MAPFRE sur les \u00e9nergies fossiles va dans la bonne direction. 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