2024年阿拉伯银行为可持续发展目标调动的信贷调查

Pilot factsheet E/ESCWA/CL5.SDGS/2025/Factsheet.1 Note:The findings presented in this pilot factsheet are based on an inaugural survey conducted to provide preliminary insights and indicative trendson credit mobilized for the SDGs in 2024 by banks in the Arab region. The results of this survey should be interpreted as exploratory and do notsubstitute for comprehensive institutional mechanisms by Arab banks to report on the SDGs. All responses were treated confidentially, and data were The 2030 Agenda for Sustainable Development emphasizesthe key role of financial institutions in advancing sustainabledevelopment and financing the Sustainable Development Goals(SDGs). Recognizing the importance of mobilizing financing forsustainability, and to better understand how banks in the Arabregion are responding to the SDGs, the Union of Arab Banks(UAB), in close collaboration with the Economic and SocialCommission for Western Asia (ESCWA), launched a survey oncredit mobilized for the SDGs. The findings of the survey support 1. Credit related to the SDGs Reported SDG-related bank credit extended in2024 toGovernments or State-owned enterprises, large residentcorporates, and micro, small and medium-sized enterprises ȅThe total SDG-related credit in2024,as reported by 22 of 30banks, was$33.9billion. This amount was provided to Governments orState-owned enterprises, large resident corporates, and micro, smalland medium-sized enterprises (MSMEs), representing18percentoftotal loans extended by respondent banks. Of this total, $25.9billion ȅSustainability purposes that received the highest volumeof credit:the following four sustainability purposes received nearly70percent ($23billion) of all credit provided to the SDGs (figure 1). 1.The mention of aspecific SDG indicatesthat the sustainabilitypurpose generally •Poverty eradication and social protection (SDG1)1ranked first,receiving $11.2billion (33percent) of total funding. •Housing (SDG11)came in second, receiving $6.4billion(19percent). •Sustainable industry (SDG9)came in third,receiving $2.7billion (8percent). •Peace, justice and strong institutions(SDG16):zero. •Sustainable tourism (SDGs8 and 12)came infourth, receiving $2.4billion (7percent). •Environment and biodiversity (SDGs14 and 15):$56million. ȅSustainability purposes that receivedthe lowest volume of credit:the followingfour sustainability purposes received a combined •Digital transformation (SDG9):$64million. •Women’s empowerment and gender equality(SDG5):$135million. 2. Financial inclusion Despite the presence of bank programmes for women-owned businesses and businesses ownedby young people, credit uptake remains limited, signalling gaps in outreach or effectiveness. A. Gender B. Young people ȅProgrammes and credit extended tobusinesses owned by women:43percentof responding financial institutions reported thatthey had programmes targeting women-ownedbusinesses (figure 2). This percentage, however,does not correlate with the actual credit extended ȅProgrammes and credit extended tobusinesses owned by young people:mostrespondent banks (87percent) reported havingprogrammes targeting businesses owned by young Source:ESCWA calculations based on data collected from the Union of ArabBanks, Survey on credit mobilized for the SDGs by Arab banks (2024). Source:ESCWA calculations based on data collected from the Union of ArabBanks, Survey on credit mobilized for the SDGs by Arab banks (2024). 3. Partnerships to facilitate lending The Government remains the main facilitator of sustainability-linked lending, supporting Various stakeholders may collaborate with financialinstitutions to facilitate lending, especially to borrowerswho could otherwise be seen as too risky or not survey reported that the Government had facilitatedtheir sustainability-linked lending (figure 6), followed byregional or multilateral development banks (27percent), 4. Government programmes for MSME lending Government programmes play a crucial role in enabling lending to MSMEs, especially throughsubsidies and guarantees; however, support for co-financing remains limited. ȅSubsidized lending to MSMEs is strongly influencedby government programmes:subsidized lendinghelps reduce the cost of borrowing for specificgroups, such as MSMEs. Around 80percent of government guarantees, designed to reduce loanrisks, were rated “very important” for deciding onlending to MSMEs by 37percent of respondents. ȅGovernment support for co-financing faces gaps:around a third of respondents reported thatgovernment support for co-financing programmesdid not exist, indicating limited availability or ȅGuarantee programmes and low reserverequirements exert a moderate but meaningfulinfluence on banks’ lending decisions to MSMEs: 5. Sustainability-linked financial products While financial technology is leading the way, the relatively low adoption of sustainability-related financial products and services underscores the need for broader engagement