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Thursday, December 6, 2018

THE BEGINNING OF THE END

Banking on Climate Change



2017 may go down in history as the year when it frst became clear that the fossil fuel era was fnally starting to sputter to an end. The cost of new solar and wind power started to fall below the price of new coal and gas plants in a growing number of regions. The CEO of NextEra Energy, one of the largest electricity producers in the US, now predicts that “early in the next decade” — just a few years from now — power will be cheaper from unsubsidized new wind and solar plants in the US than from existing coal and nuclear plants. It’s still far from game over for the fossil fuel industry, but the game hasdrastically changed.
            In the “old days” of early 2017, the argument could still legitimately be made that yes, intermittent renewables are getting cheaper, but they are still intermittent – solar output crashes when the clouds roll in, and wind turbines are just sleek sculptures on a calm day. Long term energy storage and large scale battery storage were touted as the missing link. But the commissioning of a 100-megawatt grid-connected battery in South Australia in late November 2017, only 100 days after it started construction, was a stunning illustration that large-scale battery storage is now economically and technically feasible.
            On the transportation front, China, India, the United Kingdom, France, and California all announced eorts to accelerate the adoption of electric cars and phase out internal combustion engines. These eorts have led analysts to bring forward their projections for the date when global oil consumption peaks and then starts its permanent decline. In July 2017, Goldman Sachs forecast that global oil demand could peak as early as 2025. While oil company scenarios are unsurprisingly still mostly in denial about the likely speed of the energy transition, even ExxonMobil admitted in early 2018 that the Paris Agreement meant that oil consumption could easily drop by 20 percent between 2016 and 2040 — and might even be cut in half.

Tightening the Financial Screws
While these technical and economic developments are hugely signifcant for the demand side of the clean transition equation, developments in 2017 that will constrain financing for dirty energy supply were equally game-changing. Most fossil fuel companies don’t have the billions in cash it takes to reach, produce, and transport fossil fuels without the support of big banks. Banks are central actors in how this transition will play out.
In June, Dutch bank ING clarifed an existing tar sands policy by ruling out project fnance for tar sands production and transport, explicitly excluding pipelines such as Keystone XL. Later in the year the bank announced it would phase out lending to any utility with more than 5 percent of its power coming from coal. In October, French bank BNP Paribas made an even more ambitious commitment to move away from extreme oil and gas fnancing (see page 23).
Two months later at the One Planet Summit in Paris, the trickle of fnancial institutions restricting their fnance for fossil fuels grew into a fast-flowing stream. The World Bank announced it would no longer fnance oil and gas extraction after 2019. French insurance giant AXA landed a huge blow to the fossilfuel industry with a commitment to cease insuring tar sands production and pipelines and new coal mines and power plants. AXA will also divest nearly $4.5 billion from tar sands and coal companies. At the same summit, other major French banks announced further restrictions on their support for tar sands.
The progress made in Paris rapidly crossed the oceans. Before the end of 2017 the governor of New York promised to cease state pension funds’ investments in entities “with signifcant fossil-fuel activities.” Then in January 2018, Mayor Bill de Blasio held a press conference in a community center that had been flooded by Hurricane Sandy, and announced that New York City pension funds’ existing partial divestment from coal would be extended with a target to divest their $5 billion in holdings in a range of fossil fuel companies.
In February 2018, the University of Edinburgh announced that its endowment — the third biggest educational endowment in the U.K. — would dump its stock in oil and gas companies. The endowment had already divested from coal and tar sands — as have the other two biggest university endowments, for Oxford and Cambridge.14 The University of Edinburgh has not been the only investor to withdraw from the worst of then fossil fuels and then, under continued activist pressure, and presumably because they realize that getting out of fossils hasnot caused them any signifcant fnancial harm, withdraw fromthe whole fossil fuel sector.
Stuck in the Tar Sands
            However, all this positive technological and fnancial sector news over the past year is not reflected in the top-line numbers on bank funding in this report card. On the contrary, the $115 billion in bank support for the largest extreme fossil fuel companies in 2017 is 11 percent higher than in 2016. But a closer look at the data reveals that this uptick is entirely due to a whopping 111 percent increase in bank lending and underwriting to tar sands extraction and pipeline companies and projects in the past year. Strip out the tar sands numbers,and bank support for the extreme fossil sectors continued its rapid decline, dropping 17 percent over the past year to $68 billion.
            Banks did not suddenly decide in 2017 that tar sands oil is a great long-term prospect. Rather, the increase in funding was in large part to fnance the purchase by pure-play Canadian tar sands companies of the tar sands reserves of the oil majors. Companies including Shell, ConocoPhillips and Statoil ofoaded more than $23 billion in Canadian assets in 2017, in order to focus on lower cost reserves elsewhere. Another factor driving up the tar sands numbers for the biggest global banks in 2017 was $3 billion for Kinder Morgan toward the costof the highly disputed Trans Mountain pipeline from Alberta tothe British Columbia coast.
            The massive hike in bank support for tar sands in 2017 — to nearly $47 billion — led this sector to overtake coal power, the best funded of the extreme fossil sectors in 2016. Overall support for coal power has stayed just about stagnant in the last three years. And yet, though the Chinese banks are the biggest funders of coal power, the data show an increase in non-Chinese coal fnance over the past three years. This continued support comes despite numerous banks adopting policies that limit their coal project fnancing, because these policies fall short of restricting coal power fnancing in what are increasingly its most common geographies (developing countries) and forms (general corporate fnance).
            Coal mining saw a small increase in bank support in 2017 (up 5 percent). However this came after a sharp 38% drop between 2015 and 2016. This drop is presumably because many banks adopted policies restricting support for coal mining around the time of the Paris climate conference. In 2017, two thirds of all support for coal mining came from the four big Chinese banks — and yet it is the Western banks whose coal mining fnancing trend shows a dangerous resurgence upward.
            Bank support for liquefed natural gas (LNG) terminals in North America has fallen 62 percent since 2015 — far more thanfor any other sector over the last two years. The fracking boomover the past decade led to a rush of dollars being spent onLNG facilities to export surplus natural gas from the United States. However, other countries, especially Australia and Qatar, also spent big on LNG facilities, so the LNG capital investment boom has been followed by a bust as the world now has surplus LNG production facilities.18 Whether this is a permanent bust or a temporary setback will be seen in the coming years, as the fate of the more than 50 proposed North American LNG export terminals is determined and global banks decide whether or not to support these stranded assets in the making.
“When,” Not “If ”
            The Paris Climate Agreement, for which many global banks have declared their support, sets an ambition of keeping global warming to “well below 2 degrees Celsius above pre-industrial levels,” with the aim of limiting warming to 1.5 degrees Celsius.20 The U.N. Intergovernmental Panel on Climate Change (IPCC) will publish a report in September 2018 summarizing the implications of the Paris Agreement’s more ambitious goal.21 A leaked draft of the report is, to say the least, sobering. The world has already warmed by a degree, and another half degree means much more disruption, including “fundamental changes in ocean chemistry” from which it may take many millennia to recover, as well as floods, droughts, deadly heatwaves, food shortages, migration, and conflicts. Two degreeswill of course be much worse. Moreover, the IPCC’s draft reportstresses that keeping below two degrees is a gargantuan task, even with “rapid and deep” reductions in greenhouse gas emissions.
            The game-changing developments in the energy sector in 2017 affirm that the question is not if, but when the fossil fuel sector goes into terminal decline. But the date of the “when” has existential consequences for people, societies and ultimately much of life on earth. While 2017 saw much encouraging progress on clean energy, it also saw a terrifying escalation of hurricanes, fres, and floods. These oer stark evidence of just how much is at stake and just how ethically unacceptable it is for banks to keep funding the fossil fuel industry’s expansion.
Extreme Fossil Fuels
Finance for Extreme Fossil Fuels
Finance for Extreme Fossil Fuels

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