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Green BankingPresentation on
Sl No. Name ID No.01 Saikat Das 1130411202 Mohammed Sanjidul Anwar 1130403903 Hossian Md. Arshad Ullah 1130405004 Mahmuda Airin 11304124
Team Members:
BBA 4th Year, Final Term | Session 2010-11 | Department of Marketing | University of Chittagong
The Concept of Green Banking
To be GREEN is to
be
Socially Responsibl
e
Sustainable
Ethical
The Concept of Green Banking
Green Bankin
g
Banking practices that bring in
Social Welfare
Promoting Environment
Friendly Banking Practices Banking practices
that contribute towards
protecting the environment
Features of Green Banking
• Automation and online banking• Social safety and security • Consider risk factors regarding environmental
conditions while providing loans• Sustainable and green growth• Implements Environmental Due Diligence (EDD) • Reduces cost and energy
Purpose of Green Banking
Bank’s Objective:
Profit Only Profit with Responsibility
Bank’s Motive:
Profit, Profit, and Profit
Planet, People, and Profit
Coverage of Green Banking
Reasons of Practicing Green Banking
• Proper utilization of organizational resources• Sustainability• Minimization of paper works• Cost and time efficiency
Some Green Banking Slogans of Banks
Benefits of Green Banking
Major benefits are…• Avoids paper works AMAP• Creates a sustainable sense of banking service• Environmental standards for lending• Less interest rate for Green Banking projects• High CAMELS Rating by BB
Steps in Green Banking
1. Going Online2. Using Green Checking Accounts3. Green Loans for Home Improvements4. Power Saving Equipment5. Saving Paper6. Green Credit Cards7. Use of Solar and Wind Energy8. Mobile Banking
Tools of Green Banking
Online & Mobile Banking
Green Credit & Investment
Green Credit Cards
Green Mortgages
Green banking is not only limited to...
Green BankingProcessesProducts & ServicesStrategies
Green Processes
Supply Chain Management
Enterprise Resource Planning
Customer Relationship Management
Sourcing and Procurement
Product Life Cycle
Management
Green Products & Services
Electronic and telephone banking
Automatic payments
Electronic (paperless) statements
Offering and promoting mutual funds
Offering a special line of credit
Offering credit cards
Green Banking Strategies
• Creating awareness• Assess different processes to be green• SMART Green Goals i.e. Specific, Measurable,
Attainable, Realistic, and Timely• Encourage, motivate, and energize the
workforce• Monitor the progress• Publicize your endeavors towards being green
Phases of Green BankingPhase-I (Foundation):• Policy Formulation and Governance• Incorporation of Environmental Risk in CRM• Initiating In-house Environment Management• Introducing Green Finance• Creation of Climate Risk Fund• Introducing Green Marketing• Online Banking• Supporting Employee Training, Consumer Awareness and
Green Event• Disclosure and Reporting of Green Banking Activities
Phases of Green BankingPhase-II (Intensification):• Sector Specific Environmental Policies• Green Strategic Planning• Setting up Green Branches• Improved In-House Environment Management• Formulation of Bank Specific Environmental Risk Management
Plan and Guidelines• Rigorous Programs to Educate Clients• Disclosure and Reporting of Green Banking Activities
Phases of Green BankingPhase-III (Diversification):• Designing and Introducing Innovative Products• Reporting in Standard Format with External Verification• Reporting Green Banking Practices on Quarterly Basis• Being Ethical and Environment Friendly• Bangladesh Bank’s In-house green activities• Comparative Analysis – i) Environmental Adoption, ii) Online
Banking, iii) Mobile Banking, and iv) Green Financing
In House Green Activities of Bangladesh Bank
Top Ten Green Banks of Bangladesh
1. Bank Asia Limited2. Standard Chartered Bank Limited3. Dutch Bangla Bank Limited4. Trust Bank Limited5. Eastern Bank Limited6. Mutual Trust Bank Limited7. Islami Bank Bangladesh Limited8. Pubali Bank Limited9. Shahjalal Islami Bank Limited10.Prime Bank Limited
Source: Bangladesh Bank-Green Banking Report, 2012
Green Banking Initiatives
Subject March2013
June 2013
September2013
December2013
No. of Rated Projects 8117 8063 7615 8188 No. of Rated Projects Financed 6733 7238 6152 7554 Amount Disbursed against Rated Projects (Taka in Million)
338926.03 433501.31 404099.46 391062.77
No. of Branches Powered by Solar Energy 228 248 253 311 No. of ATM/SME Unit Offices Powered by Solar Energy
183 184 185 189
No. of Online Branches 3714 3988 4060 4496 Utilization of Green Finance (Taka in Million)
70326.45 86848.83 84978.55 105971.66
Utilization of Climate Risk Fund (Taka in Million)
20.56 103.82 15.41 175.63
Utilization of Green Marketing, Training and Development (Taka in Million)
34.88 35.73 45.96 50.46
GREEN BANKING ACTIVITIES AT A GLANCE (DECEMBER, 2013)
Source: Quarterly Review Report on Green Bangladesh, December 2013, Bangladesh Bank
Online Banking
Types of banks State owned commercial banks (SCBs)
Private commercial
banks (PCBs)
Foreign commercial banks (FCBs)
Specialized development banks (SDBs)
Total
Total number of Branches
3,469 3224 73 1433 8199
Number of branches with online facility
168 2925 73 60 3226
% of branches with online banking facility 4.84 % 90.73 % 100.00 % 4.19 % 39.35 %
Table: Status of Online Banking
Source: Bangladesh Bank
Mobile Banking
• 23 Banks have been given license to provide mobile financial services (MFS)
- 14 banks have already started their operations• Average rate of growth: 15% per month.
Green Finance
Finance for:• ETP• Bio-gas plant• Solar panel/renewable energy plant• Hybrid Brick field• Waste management plant• Mashrum project• Horticulture, forestation etc.
Need of the Hour!
Support national initiatives
Restructure the bank office operation
SMART Green Goals
Environmental Management System
Environmental risk and liability guidelines
Fostering Green Banking
Primary Objectives: Improving the energy and carbon
efficiency Estimate energy usage and wastage Comparative assessment of banks Recognize and reward
Green Coin
Rating