The banking sector has undergone significant developments and investments in the recent past; most of
the banks take green banking initiatives. The banks are adopting various environmental practices in their day to day
business operations for the environmental concern to maintain the ecological balance. The concept of green banking
helps to create a cleaner and greener future as Green Banking has a direct impact on the environment. This paper has
been made to study the level of customers awareness regarding “Green banking services “initiative taken by various
Public and Private sector banks in India, Cuddalore district.
A STUDY ON CUSTOMER AWARENESS ON GREEN BANKING IN SELECTED PUBLIC AND PRIVATE...IAEME Publication
Green Banking means promoting environmental-friendly practices and reducing your carbon footprint from our banking activities. Green banking will be mutually beneficial to the Consumers, banks, industries and the economy. The study aims to identify the awareness on Green banking among the customers of six different banks. Also it aims to find the customers usage relating to Green Banking service. It is necessary to identify various initiatives taken by bank on the concept of green banking in order to influence customer and make them user friendly. Researcher will study the impact of different age group of customers with regard to green initiatives taken by public and private sector banks.
Green Banking means ensuring environment friendly practices in banking sector and thereby reducing internal and external carbon footprints.
The concept of green banking helps to create cleaner and greener future as Green Banking has direct impact on the environment.
A STUDY ON CUSTOMER AWARENESS ON GREEN BANKING IN SELECTED PUBLIC AND PRIVATE...IAEME Publication
Green Banking means promoting environmental-friendly practices and reducing your carbon footprint from our banking activities. Green banking will be mutually beneficial to the Consumers, banks, industries and the economy. The study aims to identify the awareness on Green banking among the customers of six different banks. Also it aims to find the customers usage relating to Green Banking service. It is necessary to identify various initiatives taken by bank on the concept of green banking in order to influence customer and make them user friendly. Researcher will study the impact of different age group of customers with regard to green initiatives taken by public and private sector banks.
Green Banking means ensuring environment friendly practices in banking sector and thereby reducing internal and external carbon footprints.
The concept of green banking helps to create cleaner and greener future as Green Banking has direct impact on the environment.
The Cost Effectiveness of Green banking and it's FutureLeroy J D
This is a research presentation on Green banking, with the main focus on the challenges, and solutions, advantages and disadvantages, as well as SWOT Analysis and future prospects
This Slide is covered Green Banking Perspective in Bangladesh.By making this slide I include some informational data from Islamic Bank Bangladesh Annual Report 2014.
This presentation is based on the data of 2016 about the Green Banking in Bangladesh. We try to show the present situation of Green Banking and observe as well as analyze whether it has any impact on profitability and stock price.
This presentation is prepared by Bikash Chandra Paul!
Past, Present & Future of Green Banking in BangladeshRatan Ghosh
This presentation shows the Current Disclosure Practices of Listed Commercial Banks of Bangladesh. It also dictates some future accounting reporting & treatment of Green Banking Practices. Some Recommendations are also added in order to pave the way to some sort of discussion.
Go green has become an important aspect of every industry and sustainability reporting has become a responsibility of every business, though profit maximization is the primary objective, many companies believe in Eco friendly environment operation. Technology has brought tremendous change, it has made both positive and negative impact on every sector and banking sector is the most dynamic in technological transformation. Information technology is one of the most important facilitator for transformation of Indian banking in terms of its transactions processing as well as for various other internal systems and processes. Green banking is an emerging concept for environmental sustainability which means promoting environment friendly practices for sustainable growth and reduces the carbon footprint from the banking industry. Green banking is considered as one of the tools for ensuring sustainable development where economic activity will not have any negative impact on the environment. Though it is believed that banking sector does not harm the environment but it impacts the environment in terms of excessive paper work, energy consumption such as lighting, air conditioning, etc, Green banking is all about going beyond to keep the world Eco environment without any significant damage. And this study is an attempt to understand the concept of Green banking and also to review the research carried in this field. Mohammed Nawaz | Dr. M.Sirajudeen | Dr. Ajaz Ahmed Khan "Green Banking in India - A Review" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-1 , December 2020, URL: https://www.ijtsrd.com/papers/ijtsrd38004.pdf Paper URL : https://www.ijtsrd.com/management/accounting-and-finance/38004/green-banking-in-india--a-review/mohammed-nawaz
Green Bank is like a normal bank, which considers all the social and environmental / ecological factors with an aim to protect the environment and conserve natural resources”. It is also known as ethical bank or sustainable bank. Their purpose is to perform banking activities but with an additional plan towards taking care of earth’s ecology, environment, and natural resources including biodiversity.
Employees' Perception towards In- House Green Banking Activities of the Comme...Dr. C.VIJAI
The most important themes of 21st century are the environmental protection and sustainable ecological balance, and it becomes an important issue that must be considered by all functional areas. However, green banking is still a major issue and can take an important role for the development of India. Even though the Indian banks have identified the need for greening their activities, they are running behind their counterparts that of developed economies. In addition to mitigating risks, green banking opens up new markets and avenues for product differentiation. The present study focuses its main attention to answer what in-house green banking practices are followed by the select commercial banks? In this context, the researchers have made an attempt to examine the perception of employees towards in-house green banking activities of the commercial banks in Cuddalore district. By adopting multi-stage sampling 175 employees were selected. As an essential part of the study, the primary data were collected from 175 bank employees with the help of schedule. The perception of the employees have been analyzed using student t test, analysis of one-way variance, analysis of co-efficient of variation, discriminant function analysis, and multiple regression analysis. The results of the study reveal that there is no significant relationship among the acceptance levels of the respondents of different genders, age groups, educational status groups, monthly salary groups, tenure of experience, place of work, bank belongs to, and type of bank towards in-house green activities of the select commercial banks. Security and privacy issues, technical issues, lack of infrastructure, lack of coordination among stakeholders, lack of awareness and capacity building, higher operating expenses, reputation risk, diversification issues - limiting and restricting the business, infant nature of green concept and liquidity issue are the problems stated by the bank employees in regards green banking. The researchers suggest various measures to improve the scope of green banking.
The Cost Effectiveness of Green banking and it's FutureLeroy J D
This is a research presentation on Green banking, with the main focus on the challenges, and solutions, advantages and disadvantages, as well as SWOT Analysis and future prospects
This Slide is covered Green Banking Perspective in Bangladesh.By making this slide I include some informational data from Islamic Bank Bangladesh Annual Report 2014.
This presentation is based on the data of 2016 about the Green Banking in Bangladesh. We try to show the present situation of Green Banking and observe as well as analyze whether it has any impact on profitability and stock price.
This presentation is prepared by Bikash Chandra Paul!
Past, Present & Future of Green Banking in BangladeshRatan Ghosh
This presentation shows the Current Disclosure Practices of Listed Commercial Banks of Bangladesh. It also dictates some future accounting reporting & treatment of Green Banking Practices. Some Recommendations are also added in order to pave the way to some sort of discussion.
Go green has become an important aspect of every industry and sustainability reporting has become a responsibility of every business, though profit maximization is the primary objective, many companies believe in Eco friendly environment operation. Technology has brought tremendous change, it has made both positive and negative impact on every sector and banking sector is the most dynamic in technological transformation. Information technology is one of the most important facilitator for transformation of Indian banking in terms of its transactions processing as well as for various other internal systems and processes. Green banking is an emerging concept for environmental sustainability which means promoting environment friendly practices for sustainable growth and reduces the carbon footprint from the banking industry. Green banking is considered as one of the tools for ensuring sustainable development where economic activity will not have any negative impact on the environment. Though it is believed that banking sector does not harm the environment but it impacts the environment in terms of excessive paper work, energy consumption such as lighting, air conditioning, etc, Green banking is all about going beyond to keep the world Eco environment without any significant damage. And this study is an attempt to understand the concept of Green banking and also to review the research carried in this field. Mohammed Nawaz | Dr. M.Sirajudeen | Dr. Ajaz Ahmed Khan "Green Banking in India - A Review" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-1 , December 2020, URL: https://www.ijtsrd.com/papers/ijtsrd38004.pdf Paper URL : https://www.ijtsrd.com/management/accounting-and-finance/38004/green-banking-in-india--a-review/mohammed-nawaz
Similar to A Study on Customer’s Awareness on Green Banking Initiatives in Selected Public and Private Sector Banks with Special Reference To Cuddalore District
Green Bank is like a normal bank, which considers all the social and environmental / ecological factors with an aim to protect the environment and conserve natural resources”. It is also known as ethical bank or sustainable bank. Their purpose is to perform banking activities but with an additional plan towards taking care of earth’s ecology, environment, and natural resources including biodiversity.
Employees' Perception towards In- House Green Banking Activities of the Comme...Dr. C.VIJAI
The most important themes of 21st century are the environmental protection and sustainable ecological balance, and it becomes an important issue that must be considered by all functional areas. However, green banking is still a major issue and can take an important role for the development of India. Even though the Indian banks have identified the need for greening their activities, they are running behind their counterparts that of developed economies. In addition to mitigating risks, green banking opens up new markets and avenues for product differentiation. The present study focuses its main attention to answer what in-house green banking practices are followed by the select commercial banks? In this context, the researchers have made an attempt to examine the perception of employees towards in-house green banking activities of the commercial banks in Cuddalore district. By adopting multi-stage sampling 175 employees were selected. As an essential part of the study, the primary data were collected from 175 bank employees with the help of schedule. The perception of the employees have been analyzed using student t test, analysis of one-way variance, analysis of co-efficient of variation, discriminant function analysis, and multiple regression analysis. The results of the study reveal that there is no significant relationship among the acceptance levels of the respondents of different genders, age groups, educational status groups, monthly salary groups, tenure of experience, place of work, bank belongs to, and type of bank towards in-house green activities of the select commercial banks. Security and privacy issues, technical issues, lack of infrastructure, lack of coordination among stakeholders, lack of awareness and capacity building, higher operating expenses, reputation risk, diversification issues - limiting and restricting the business, infant nature of green concept and liquidity issue are the problems stated by the bank employees in regards green banking. The researchers suggest various measures to improve the scope of green banking.
Industrialization approximately the globe has triggered the detection of ever-increasing needs and demands of
the population and it has become symbolic of prosperity and development of an economy. On the other hand, it
has resulted in the exploitation of the natural environment, which in turn has disturbed the ecological balance.
The disturbance in ecological balance has adversely affected the human and its surrounding environment. The
recent industrial disasters and natural disaster that occurred in the last three decades were directly or indirectly
linked with the uneven industrialization. This in turn has raised an important issue of environmental protection
among environmentalists, government and organization from all over the world. Environmental sustainability
and sustainable development have become the important agenda in the international community. The main
objective of this paper is to deeply understand how Indian banks are responding to environmental turbulence
and to provide an overview of their action in view of Go Green banking adoption & its advantages
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
A Study on Customer Perception towards Business Innovation Practices in Tiruc...PARAMASIVANCHELLIAH
A STUDY ON CUSTOMER PERCEPTION TOWARDS BUSINESS INNOVATION
PRACTICES IN TIRUCHIRAPPALLI DISTRICT
Dr.C. PARAMASIVAN, Ph.D.
Assistant Professor of Commerce
&
G. RAVICHANDIRAN
Ph.D. Full Time Research Scholar
PG & Research Department of Commerce
Thanthai Periyar Government Arts and Science College (Autonomous)
(Affiliated to Bharathidasan University, Tiruchirappalli)
Tiruchirappalli - 620023.
Green Banking India’s Vision for Sustainable Finance in G20ijtsrd
In recent years global economies have realised that climate change has the worst impacts at the global level. Every country is experiencing the impact of climate change. Thus, a vision for long run could be the only way to sustain and develop holistically. The G20 summit in 2021 incorporated the concept of Sustainable Finance or the ways to make finance and banking sector more focused towards the sustainable business processes and models. The theme of upcoming G20 summit 2023 in India Vasudhaiv Kutumbakam or One earth, One family, One future clearly shows how much we need to focus on sustainable ways for development. Green Banking is one such way through which sustainable finance could be achieved. Green banking is the way of incorporating sustainable and green methods in banking practices to reduce carbon footprints of banks so that environment could be preserved and sustainable development could be ensured. Banks are adopting sustainable ways of financing and through other green methods are ensuring that there is no harm to the environment. This paper throws light on Indias vision for sustainable finance in G20 and green banking would help in achieving it. Green banking, through innovative and sustainable business models and financially supporting sustainable businesses, would be a key facilitator of sustainable development. Prof. Mohd. Hanif | Manisha Joshi "Green Banking: India’s Vision for Sustainable Finance in G20" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-7 | Issue-3 , June 2023, URL: https://www.ijtsrd.com.com/papers/ijtsrd57525.pdf Paper URL: https://www.ijtsrd.com.com/management/accounting-and-finance/57525/green-banking-india’s-vision-for-sustainable-finance-in-g20/prof-mohd-hanif
Customers’ Satisfaction on E Banking Services in Indian Banking Sectorsijtsrd
Internet Banking is about using the infrastructure for digital age to create opportunities, both in local and global market. The purpose of this research is to understand the impact of service quality factors of Internet Banking on customer satisfaction in Indore district. Banks play a major role in all the economic and financial activities in modern society E banking is the application of electronic means in interaction between bankers and customer, and bankers and businesses, as well as in internal banking operations, to simplify and progress the banking services. Today, approximately all banks have adopted ICT as a mean of improving the service quality of banking servicesThis paper examines the customer satisfaction on the Electronic Banking Services of Public Sector and Private Sector Banks in Indore district. The sample size of the study is 80 the data is gathered from the primary information. For the purpose of analysis, the customer’s satisfaction in both banks has been assessed in seven dimensions based on the suggestions. Reliability, Accessibility, User friendliness, Privacy Security, Efficiency, Responsiveness and Fulfilment. ANOVA test were applied to test the hypotheses. Dr. Kamaljeet Bhatia "Customers’ Satisfaction on E-Banking Services in Indian Banking Sectors" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-5 | Issue-5 , August 2021, URL: https://www.ijtsrd.com/papers/ijtsrd45231.pdf Paper URL: https://www.ijtsrd.com/management/other/45231/customers’-satisfaction-on-ebanking-services-in-indian-banking-sectors/dr-kamaljeet-bhatia
Digital Payment Dynamics Unveiling the Impacts on Sustainable Development, En...ijtsrd
Digital payment, a pivotal component of bankings digital transformation, plays a crucial role in fostering a nations economic growth. This is achieved by facilitating seamless and convenient online transactions, thereby enhancing customer experience and streamlining banking operations. Given the widespread use of smartphones and internet access among todays population, digital modes such as UPI, USSD, and internet banking have become integral to various activities like financial transactions and online shopping. In the contemporary era, sustainability, encompassing social inclusion, environmental protection, and economic growth, is paramount. By exploring the nexus between digital payment and sustainability, the paper aims to provide insights into the transformative potential of digitalization in fostering economic growth while aligning with the principles of social inclusion and environmental preservation. Descriptive in nature, the research relies on secondary data gathered from various sources, including books, journals, and articles, available on electronic platforms. Digitalization emerges as a valuable tool contributing to sustainable development, with a focus on achieving a cashless economy, reducing the carbon footprint associated with financial transactions, and providing cost effective services to citizens, thereby promoting enhanced financial inclusion. This paper delves into the role of digital payments in the banking sector in realizing sustainable development goals. Examining government policies on digital payment and sustainability, the paper addresses the challenges and opportunities associated with sustainable development. Dr. Suresh Chandra Agarwal | Vaishali Shukla | Abhishek Awasthi "Digital Payment Dynamics: Unveiling the Impacts on Sustainable Development, Environmental Protection, and Social Inclusion" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-8 | Issue-1 , February 2024, URL: https://www.ijtsrd.com/papers/ijtsrd63442.pdf Paper Url: https://www.ijtsrd.com/management/equality-diversity-and-inclusion/63442/digital-payment-dynamics-unveiling-the-impacts-on-sustainable-development-environmental-protection-and-social-inclusion/dr-suresh-chandra-agarwal
Customer Satisfaction on Banking Services in Indian Growing Economy Nainital ...Dr. Amarjeet Singh
Finance is the energy of every business whether it is
profit making or loss-making business and finance are
required. Economy grows with the developing people of his
country. There is no way to grow the country economy
without financial growing of his resident peoples and banking
sector play a major role to provide financial services. Banks
play a major role in the growth of the economy by providing
their services. Customer satisfaction is essential for the future
growth of both bank and country economy growth also. This
study made to determine customer satisfaction level on
banking services. This study based on primary data. Primary
data collected through questionnaire. The questionnaire
collected from 50 peoples in Kumoun region specially in
Haldwani urban area. All types of people included in sample
collection Students, Employees, Self Employees, and retired
persons. To assess customer satisfaction used the pre-tested
five points Likert's scale test. On the basis of the analysis, it is
concluded that the customer service satisfaction level of banks
is 73.80%.Key Words: Customer satisfaction, Banking
services, Overall satisfaction.
Outreach and efficiency of inclusive banking throughRAVICHANDIRANG
Financial inclusion is one of the means for overall economic development of a country.The
growth of the retail banking industry fosters financial inclusion by providing financial products and
services to people in the rural areas of the country. The nationalization of prominent commercial banks has improved
the banker customer relationship.The measures taken by the Reserve Bank of India and other regulatory bodies
have strengthened the banking industry and have raised the level of confidence in the minds of the public about the
banking sector.The banking history has undergone tremendous changes in the last few decades
Green and Sustainable Banking: A Pathway to Environmental ResponsibilityFarhatUddinSojib
# Green and Sustainable Banking: A Pathway to Environmental Responsibility
## Abstract
Green and sustainable banking has emerged as a pivotal approach for integrating environmental considerations into the financial sector. This paper explores the evolution, principles, and practices of green banking, its benefits, challenges, and future prospects. By examining case studies and regulatory frameworks, we demonstrate how sustainable banking not only mitigates environmental risks but also enhances financial stability and promotes economic growth. This thesis underscores the necessity for a cohesive strategy involving stakeholders, policy makers, and financial institutions to foster a sustainable future.
## Introduction
### Background
The increasing awareness of environmental degradation and climate change has necessitated a shift in how industries operate, particularly the financial sector. Green and sustainable banking represents an essential transformation aimed at incorporating environmental responsibility into banking operations. This approach not only addresses ecological concerns but also aligns with global sustainability goals.
### Objectives
This paper aims to:
1. Define green and sustainable banking and its core principles.
2. Analyze the benefits and challenges associated with sustainable banking.
3. Review case studies of successful implementation.
4. Discuss regulatory frameworks supporting sustainable banking.
5. Propose strategies for advancing green banking practices.
### Methodology
This thesis employs a mixed-method approach, including qualitative analysis of case studies, regulatory reviews, and quantitative data on the impact of green banking initiatives. Primary sources include academic journals, industry reports, and policy documents.
## Defining Green and Sustainable Banking
### Concept and Principles
Green and sustainable banking refers to the practice of providing financial services in a way that supports environmental conservation and sustainability. This includes financing environmentally friendly projects, reducing the carbon footprint of banking operations, and promoting sustainable business practices among clients.
### Key Principles
1. **Environmental Risk Management:** Assessing and mitigating the environmental risks associated with banking activities.
2. **Sustainable Investment:** Prioritizing investments in renewable energy, energy efficiency, and other green sectors.
3. **Green Products and Services:** Developing financial products that incentivize sustainable practices, such as green bonds and eco-friendly loans.
4. **Transparency and Reporting:** Ensuring clear communication about environmental impact and sustainability efforts.
## Benefits of Sustainable Banking
### Environmental Impact
Green banking initiatives contribute to reducing greenhouse gas emissions, promoting renewable energy, and supporting conservation projects. By directing capital towards sustainable ventures, banks can play a significan
article 9 IJAIR Volume 8, Issue 3 (II) July – September 2021.pdfEducational
STUDY OF ORGANIC FARMERS IN MANDYA DISTRICT
Mrs. Uma. K
International Journal of
Advance and Innovative Research
(Conference Special)
Volume 8, Issue 3 (II)
July – September 2021
ISSN 2394 - 7780
My solo presentation on Green Banking Research (Bangladeshi perspective).
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A Study on Customer’s Awareness on Green Banking Initiatives in Selected Public and Private Sector Banks with Special Reference To Cuddalore District
1. ISSN(Online): 2319-8753
ISSN (Print): 2347-6710
International Journal of Innovative Research in Science,
Engineering and Technology
(A High Impact Factor, Monthly, Peer Reviewed Journal)
Visit: www.ijirset.com
Vol. 7, Issue 11, November 2018
Copyright to IJIRSET DOI:10.15680/IJIRSET.2018.0711033 9362
A Study on Customer’s Awareness on Green
Banking Initiatives in Selected Public and
Private Sector Banks with Special Reference
To Cuddalore District
Dr.C.Vijai
Assistant Professor, Department of Commerce, St.Peter’s Institute of Higher Education and Research
Chennai, India
ABSTRACT: The banking sector has undergone significant developments and investments in the recent past; most of
the banks take green banking initiatives. The banks are adopting various environmental practices in their day to day
business operations for the environmental concern to maintain the ecological balance. The concept of green banking
helps to create a cleaner and greener future as Green Banking has a direct impact on the environment. This paper has
been made to study the level of customers awareness regarding “Green banking services “initiative taken by various
Public and Private sector banks in India, Cuddalore district.
KEYWORDS: Green banking, Environment friendly, Sustainable banking, RBI, Global Warming.
I.INTRODUCTION
In a rapidly changing market economy where globalization of markets has intensified the competition, the industries are
vulnerable to stringent public policies, severe lawsuits or consumer boycotts. The most important themes of the 21st
century are the green safety and sustainable ecological balance. To avoid falling into the similar trap, the impulse of
‘going green’ is running faster than blood in Indian incorporations veins. Sustainable development and preservation of
the environment are now recognized globally as a serious issue to protect the planet from the destruction by mankind.
Therefore, society demands that business should take responsibility for safeguarding the environment and society.
From IT giants to luxurious hotels, from automobiles to aviation, from mutual funds to banks, corporate India is
moving fanatically ahead with green initiatives. Every state and commercial bank is trying to be the third generation
banks with their strategies like green banking. Green banking is not only a CSR activity of an organization but also it is
about making the society livable without any considerable damage. It involves endorsing and embedding
environmental and social responsibility but providing excellent banking services. In this context, the present study
focuses its main attention on the customers’ perception towards green banking practices of the select commercial banks
in Cuddalore district.
II.CONCEPT OF GREEN BANKING
Green banking means using all of the banks’ resources with responsibility and care, avoiding waste and giving priority
to choices that take sustainability into account. It is also known as environmental friendly banking, ethical banking or
sustainable banking. According to the Indian Banks’ Association, the green bank is like a normal bank, which considers
all the social and environmental factors with an aim to protect the environment and conserve natural resources. For
banking professionals, green banking involves the tenets of sustainability, ethical lending, conservation, and energy
efficiency. Green banking products include automatic teller machines, mobile banking, remote deposit, green money
2. ISSN(Online): 2319-8753
ISSN (Print): 2347-6710
International Journal of Innovative Research in Science,
Engineering and Technology
(A High Impact Factor, Monthly, Peer Reviewed Journal)
Visit: www.ijirset.com
Vol. 7, Issue 11, November 2018
Copyright to IJIRSET DOI:10.15680/IJIRSET.2018.0711033 9363
market accounts, green checking accounts, online banking, green credit cards, green loans, green savings accounts,
green mortgages, green channel counters, green homes, etc.
III.REVIEW OF LITERATURE
Krebsbach (2005) stated that banks which adopted socially and environmentally responsible lending and
investing were altering their processes of bond underwriting, investment banking and corporate lending. These banks
were enjoying a competitive advantage over others as society is aware about the environmental issues. The author
suggested that banks should adopt the green lending principles in such a way that a customer base will not be affected.
The author said credibility comes from having high standards. He concluded that environmental management in the
banking sector is like risk management because it reduces the credit risk, improves the asset quality and increases the
enterprise value.
Atiur Rahman (2010) studied the monetary and credit policies of Bangladesh Bank towards attaining broader
financial enclosure. Bangladesh Bank is carry forwarding with technology driven, innovative, environment and low
cost banking approach; conveying a qualitative change in banking, application of advanced banking technology, and
use of information and communication technology to extend financial services to the door step of common people. To
ensure access to financial services for all, various initiatives have been taken like trade finance; digitalization of the
financial sector, channeling liquidity into productive and supply augmenting investments including agriculture, SMEs,
green banking and CSR activities; expected to inclusive growth and therefore lessen poverty; required for pushing the
country on course to the targeted vision of digital Bangladesh by 2021.
If Indian banks desire to enter global markets, it is important that they recognize their environmental and
social responsibilities. Recognizing the warning of global warming the State bank of India has initiated urgent
measures to combat the climate change by reducing the bank’s own carbon footprint and sensitizing the bank’s clients
to adopt low carbon emission practices (Sharma, N., 2011).
IV.OBJECTIVES OF THE STUDY
1. To review the green banking practices of the select commercial banks in Cuddalore district.
2. To ascertain the perception of the customers towards green banking practices of the select commercial banks in
Cuddalore district.
3. To suggest measures to improve the scope of green banking of the select commercial banks based on the
findings of the study.
V.TESTING OF HYPOTHESES
H01: There is no significant relationship between gender and awareness levels.
H02: There is no significant relationship between age and awareness levels.
VI.RESEARCH METHODOLOGY
Area of Study: The study was conducted to ascertain the customers’ perception towards green banking practices of the
select commercial banks in Cuddalore district.
Sample Size:
The study was carried out through levels of the customers and the sample size was 625.
Sources of Data
The study used both primary data as well as secondary data. The data was collected from 625 consumers by
questionnaire method.
Tools for Analysis: Following statistical tools were used in this study.
• Simple percentage Analysis
3. ISSN(Online): 2319-8753
ISSN (Print): 2347-6710
International Journal of Innovative Research in Science,
Engineering and Technology
(A High Impact Factor, Monthly, Peer Reviewed Journal)
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Vol. 7, Issue 11, November 2018
Copyright to IJIRSET DOI:10.15680/IJIRSET.2018.0711033 9364
• Chi-square Analysis.
• Student t-test and
• Anova
VII.ANALYSIS AND INTERPRETATION
TABLE 1
Demographic Profile of the Respondents
Personal Variables No. of Respondents Percentage
Gender
Male 507 81.12
Female 118 18.88
Age
(years)
Upto 30 93 14.88
31-40 120 19.20
41-50 247 39.52
Above 50 165 26.40
Educational
qualification
Upto SSLC 61 09.76
H.Sc 137 21.92
ITI/Diploma 43 06.88
Degree 216 34.56
Postgraduation and above 168 26.88
Occupation
Business 99 15.84
Employed 261 41.76
Profession 57 09.12
Agriculture 122 19.52
Student and housewife 86 13.76
Annual income (Rs.)
Below 150000 84 13.44
150001 - 250000 139 22.24
250001 -350000 272 43.52
Above 350000 130 20.80
Location
Semi-urban 450 72.00
Urban 175 28.00
Bank belongs to
State Bank of India 250 40.00
ICICI Bank 200 32.00
HDFC Bank 50 08.00
Punjab National Bank 50 08.00
Bank of India 75 12.00
Type of bank
Public sector bank 375 60.00
Private sector bank 250 40.00
Type of account
Savings bank account 375 60.00
Current account 250 40.00
Social group
Forward community 63 10.08
Backward community 196 31.36
Most backward community 205 32.80
SC/ST 161 25.76
Marital status
Unmarried 157 25.12
Married 468 74.88
Family pattern
Nuclear family 501 80.16
Joint family 124 19.84
4. ISSN(Online): 2319-8753
ISSN (Print): 2347-6710
International Journal of Innovative Research in Science,
Engineering and Technology
(A High Impact Factor, Monthly, Peer Reviewed Journal)
Visit: www.ijirset.com
Vol. 7, Issue 11, November 2018
Copyright to IJIRSET DOI:10.15680/IJIRSET.2018.0711033 9365
No. of family
members
Upto 5 255 40.80
6 and 8 118 18.88
9 and above 252 40.32
Source: Primary data
Respondents’ Awareness on Green Banking Products
The perception towards complying with environmentally safe norms and standards is changing over time.
People are gradually becoming more conscious about environmental issues. Environmental friendly technologies also
make economic sense for the banking industry. Today it is believed that adopting environmentally sustainable banking
saves costs and time, minimizes the risk, enhances the reputation of banks and contributes to the common good of
environmental sustainability. In this context, an attempt has been made to find out the relationship among the
awareness level of the respondents belonging to different demographic profiles towards green banking products of the
select commercial banks.
TABLE 2
Gender and Awareness towards Green Banking Products
Gender No. of Respondents Mean Score
Standard
Deviation
Co-variation
Male 507 59.75 4.33 7.25
Female 118 60.14 4.60 7.65
Overall 625 59.82 4.38 7.32
Source: Primary Data
Comparison of Awareness between Male and Female Customers
t Value D.F
Table Value
at 5%
Result
0.889 623 1.964 Not significant
The calculated t value is (0. 889) less than the table value (1.964) at 5 per cent level of significance. The test is
not significant. Thus, there is no significant difference between the awareness level of the male and female respondents
towards green banking products. Therefore, the null hypothesis is (Ho1) accepted. The average awareness score of the
female respondents is (60.14) high, followed by the mean awareness score of the male respondents (59.75). As a result,
female respondents have more awareness towards green banking products. Besides, there is consistency in the
awareness level of the male respondents (7.25 per cent) towards green banking products of the select commercial
banks.
Age and Level of Awareness
Age is one of the major factors affecting the awareness of the people in all dimensions. Generally, one would expect
that as the person grows older, he would be content with his job and organizational activities. In this context, the
respondents were requested to state their level of awareness towards green banking products and an attempt has been
made to find out the relationship between age and awareness.
5. ISSN(Online): 2319-8753
ISSN (Print): 2347-6710
International Journal of Innovative Research in Science,
Engineering and Technology
(A High Impact Factor, Monthly, Peer Reviewed Journal)
Visit: www.ijirset.com
Vol. 7, Issue 11, November 2018
Copyright to IJIRSET DOI:10.15680/IJIRSET.2018.0711033 9366
TABLE 3
Age and Awareness towards Green Banking Products
Age (years) No. of Respondents Mean Score
Standard
Deviation
Co-variation
Upto 30 93 59.45 4.09 6.88
31-40 120 59.30 4.12 6.95
41-50 247 59.89 4.39 7.33
Above 50 165 60.30 4.68 7.76
Overall 625 59.82 4.38 7.32
Source: Primary Data
Relationship between Age and Awareness
Source of
Variation
Sum of Squares DF
Mean
Square
F Value
Table
Value at
5%
Result
Between groups 83.986 3 27.995
1.460 2.619 Not significant
Within groups 11905.944 621 19.172
Total 11989.930 624
The calculated F value is (1.460) less than the table value
(2.619) at 5 per cent level of significance. The test is not significant. This indicates that no significant relationship is
found among the awareness levels of the respondents of different age groups towards green banking products.
Therefore, the null hypothesis is (Ho2) accepted. The average awareness score of the respondents in the age group
above 50 years is high (60.30), followed by the age group 41-50 years (59.89), and it is least among the respondents in
the age group 31-40 years. For that reason, the respondents in the age group above 50 years have more awareness
towards green banking products. There is consistency in the awareness level of the respondents in the age group upto
30 years (6.88 per cent), followed by the respondents in the age group 31-40 years (6.95 per cent) towards green
banking products.
VIII. SUGGESTIONS
1. The select commercial banks should publish independent Green Annual Report following internationally
accepted format like Global Reporting Initiatives targeting their stakeholders. The RBI should remind the
responsibility of all the commercial banks to protect the environment and explain how various measures under
green banking can help protect the environment. The Reserve Bank of India should recognize and reward the
banks which are environmentally cognizant providers of green loans on an annual basis.
2. Positive green banking initiatives should be rewarded. In this context, green rating agencies should be set up to
provide green analysis of lenders and users of green loans via different ratings. Green rating index like Dow
Jones Sustainability Group Indices might be developed in India. This will motivate the select commercial banks
to be more conscious as they will have direct impact on their performance evaluation.
3. The select commercial banks should invest in a project after assessing its environmental or climatic risk. Investment
should only be given after being insured about the proper management of those harmful components. The select
commercial banks can incorporate an Environmental Impact Assessment in their project appraisal while financing any
project to measure the magnitude of environmental impact as well as suggest environmental risk mitigation measures.
6. ISSN(Online): 2319-8753
ISSN (Print): 2347-6710
International Journal of Innovative Research in Science,
Engineering and Technology
(A High Impact Factor, Monthly, Peer Reviewed Journal)
Visit: www.ijirset.com
Vol. 7, Issue 11, November 2018
Copyright to IJIRSET DOI:10.15680/IJIRSET.2018.0711033 9367
IX.CONCLUSION
With increasing concern about global warming and conserving environment, Indian banks are becoming more
responsive towards the green aspirations of their customers. As India has committed to reducing its carbon intensity by
20-25 per cent from 2005 levels by 2020, banks are working towards developing a low carbon economy. Green
banking has continued to evolve in the recent years and is expected to become an even greater driving force behind
banks competitive strategies. Green banking offers more than just monetary benefits to the banks, the intangible
benefits include reputation, increased customer base, positive effects on the environment, and simplicity of bank
processes. Green banking requires a paradigmatic change in thinking about economics, business and finance. As far as
green banking in concerned, Indian banks are running behind time and it is the need of the hour to think it seriously for
the sustainable growth of the nation. Therefore, the select commercial banks should adopt effective strategies for green
banking by considering it as a strategic imperative. Possible policy measures, regulatory framework and initiatives to
promote green banking in India have become the need of the hour.
REFERENCES
1. Krebsbach, K (2005). “Green Revolution”, US Banker, Pp.29-32.
2. Atiur Rahman (2010). “Financial Services At People’s Doorstep”, Bangladesh Bank.
3. Bahl, S. (2012) Green Banking - The New Strategic Imperative. Asian Journal Of
4. Sharma, N. (2011) CSR Practices and CSR Reporting In Indian Banking Sector.
WEBSITES
1. www.indianbanking.com
2. www.rbi.org.in
3. www.wikiepedia.com
4. http://greenbankreport.com
5. www.ebscohost.com