Benchmark regarding KPI for issuers and reporting standards for investors

The document provides an illustrative format for presenting loan portfolios to investors, focusing on characteristics and statistics of the Hauts-de-France Pass Rénovation program (SPEE). It highlights key figures based on data from the Service Public de l’Efficacité Energétique (SPEE), emphasizing its impact on energy consumption reduction, CO2 emissions, job creation, and local economic development. It also includes analyses of collateral characteristics, prepayment rates, delinquencies, defaults, and restructured loans, aligning with the program’s goal of fostering sustainable real estate development in line with UN Sustainable Development Goals 13, 7, and 8.