May 2024. Green Banking, also called Sustainable Banking, or Sustainable Financing, promotes environmentally friendly practices, and reduces the carbon footprint in banking activities by adopting green initiatives and projects. Green Banks are mission-driven institutions that use innovative financing strategies to accelerate the clean energy transition towards net-zero emissions by 2050. Green banking Benefits and Advantages: (1) Environmental: Reduces energy use, water use and carbon emissions, while using renewable energy to minimize the environmental impact. (2) Distinction and Recognition: Enhances competitive advantage by promoting low carbon investments, attracting eco-conscious customers and generating revenue. (3) Transparency: Builds trust and loyalty among customers by regularly publishing financial and sustainability reports on investments and carbon footprint. (4) SDG Alignment: Contributes to a sustainable future by promoting a just transition towards net zero emissions and reducing exposure to unsustainable activities. Green banking Challenges and Solutions: (1) Higher Cost: Requires a highly skilled and experienced staff, including loan officers to provide access to green financing services. Solution: The high cost of highly skilled staff is offset by cost savings from reduced energy and paper consumption. (2) Lack of Diversification: Will restrict business to meet sustainability requirements, resulting in a smaller customer base and lower profit margins. Solution: Green banks are more appealing to investors and lenders attracting new funding sources and diversifying their funding base. (3) Risk of Greenwashing: Significantly reduces the effectiveness of green banking strategies and can harm reputation and long-term growth. Solution: By adhering to sustainability regulations, green banks can mitigate greenwashing risk and focus on their core business operations. (4) Complex Policies: Subject to complex policies and regulations. Compliance requires implementing time-consuming and expensive procedures. Solution: Review policies and regulations and collaborate with regulators and policymakers to ensure compliance. Green banking Products include Green Car Loans, Green Home Loans, Green Mortgages, and Green Savings and Bonds. Green banking Services include Paperless Billing, Online Banking, and Remote Deposit Capture (RDC). Policy wise, in 2021, the Net-Zero Banking Alliance (NZBA) was established by 43 United Nations (UN) members. The NZBA alliance brings together banks committed to aligning their operations with the goal of reaching net-zero emissions by 2050. In this slideshow, you will learn about the definition, benefits, challenges, solutions, products, services, strategies, UN policy, and global statistics of Green Banking and Sustainable Financing. For more slideshows on environmental sustainability, please visit www.s2adesign.com

1. GREEN
BANKING
Dr. Salem Baidas

2. ENVIRONMENTAL SUSTAINABILITY SLIDESHOWS
FROM s2adesign.com
S2ADESIGN.COM

3. AGENDA
DEFINITION
01
BENEFITS
02
CHALLENGES
03
UN POLICY
04
INFOGRAPHICS
05

5. A Mission-Driven Institution that
Uses Innovative Financing Strategies
to Accelerate the Clean Energy
Transition to Net-Zero Emissions by
2050 and Build Climate Resilience.

6. Reduces Energy Use, Water Use & Carbon Emissions while Using
Renewable Energy to Minimize the Environmental Impact.
Environmental
Enhances Competitive Edge by Promoting Low Carbon Investments
Attracting Eco-Conscious Customers & Generating Revenue.
distinction
Builds Trust & Loyalty Among Customers by Publishing Financial &
Sustainability Reports on Investments & Carbon Footprint.
transparency
Prioritizes Fair Working Conditions for Employees, Promoting
Diversity, Equity & Inclusion while Improving their Health & Safety.
Social Impact
Contributes to a Sustainable Future by Promoting a Just Transition
Towards Net Zero & Reducing Exposure to Unsustainable Activities.
SDG Alignment
GREENOMY.IO
green banking
benefits

7. Requires a Highly Skilled & Experienced Staff, Including Loan
Officers to Provide Access to Green Financing Services.
Higher cost
Will Restrict Business to Meet Sustainability Requirements.
Resulting in a Smaller Costumer Base & Lower Profit Margins.
Diversification
Significantly Reduces the Effectiveness of Green Banking Strategies
& Can Harm Reputation & Long-Term Growth.
Greenwashing
Subject to Complex Policies & Regulations. Compliance Requires
Implementing Time-Consuming & Expensive Procedures.
policies
Lack of Awareness & Education Promoting Green Banking Products
& Services Among Employees, Customers & Investors.
awareness
BANKINGFINANCE.IN
challenges
green banking

8. The High Cost of Highly Skilled Staff is Offset by Cost Savings from
Reduced Energy & Paper Consumption.
Higher cost
Green Banks are more Appealing to Investors & Lenders Attracting
New Funding Sources & Diversifying their Funding Base.
Diversification
By Adhering to Sustainability Regulations, Green Banks can Mitigate
Greenwashing Risk & Focus on their Core Business Operations.
Greenwashing
Review Policies & Regulations & Collaborate with Regulators &
Policymakers to Ensure Compliance.
policies
Launch Programs & Campaigns to Raise Awareness About the
Benefits of Green Banking Among Employees & Customers.
awareness
solutions
green banking
GREENOMY.IO

9. Green car loans
Customers are Offered Reduced Rates
on the Purchase of Electric or Low-
Emission Vehicles.
Green mortgages
Available to Customers Purchasing
Homes with High Energy Efficiency
Ratings (A or B), Passive & Carbon-
Neutral Homes.
Green home loans
Enable Homeowners to Make Energy-
Efficient Renovations such as Solar
Panels & Smart Meters.
Green savings & bonds
Enable Customers to Invest in
Environmental Projects such as Clean
Electricity Generation from
Renewable Energy.
MENIGA.COM
GREEN banking
products

10. Paperlessbilling
Receiving an Electronic Version of a
Bill Instead of a Paper Bill to Reduce
Air Pollution Caused by Paper
Production & Waste Generation.
Remote depositcapture(rdc)
Checks are Scanned Into Digital
Images & Cleared Electronically to
Reduce Paper Consumption & Carbon
Footprint.
Online banking
Customers Access their Banking
Account through the Web, Manage
Funds, Receive Balance Information
Pay Bills & View Transactions.
Green credit cards
A Portion of Every Credit Card
Purchase is Directed Towards Efforts
to Promote Clean Energy & Support
Green Businesses.
GREENAMERICA.ORG
GREEN banking
services

11. Strategies
GREEN DATACENTERS Sustainable ARTIFICIAL
INTELLIGENCE
Video conferencing
& Remote work
green Shipping
& packaging Renewable energy Waste REDUCTION
Energy efficient
buildings SMART meters Efficient lighting
IDRBT.AC.IN
Greening banks infrastructure

13. In 2021, the Net-Zero Banking Alliance
was Established by 43 UN Members.
The Alliance Unites Banks Committed
to Aligning their Operations with the
Goal of Reaching Net-Zero Emissions
by 2050 and Accelerating Sustainable
Development Worldwide.
UNEPFI.ORG
UNEP Finance Initiative
Net-Zero Banking Alliance

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9.7
6.6
4.1
3.6

15. Global BANKING industry
CARBON EMISSIONS

16. MILLION METRIC tons – CO2 Equivalent
EMISSIONS
BANK (COUNTRY)
2.2
Agricultural Bank of China Limited (China)
2.0
Industrial & Commercial Bank of China Limited (China)
1.7
China Construction Bank Corporation (China)
1.5
Bankof China Limited (China)
1.0
JPMorgan Chase (U.S.)
0.8
Bankof America (U.S.)
EMISSIONS BY the LARGEST BANKS WORLDWIDE
BANKS OWN REPORTING.

17. Global BANKING industry
environmentalInitiatives

18. leading ESG goals in banks strategy worldwide
87
80
76
73
66
58
34
12
9
6
Climate Change
Gender Equality
Financial Inclusion
Employment
Human Rights
Efficiency
Biodiversity
Energy
Housing
Health
Percent(2021)
UNEP.ORG

19. 70
27
17
15
4
Europe
Asia Pacific
North America
LAC
MEA
UNEPFI.ORG
BY REGION (2023)
Numberof Net-Zero BankingAlliance members

20. sustainabilityINTEGRATION into banksSTRATEGY
NO INTEGRATION
WORLDWIDE(2021)
UNEPFI.ORG
66% 33% 1%
COMPLETE
INTEGRATION
This Is A
PARTIAL
INTEGRATION

21. alignment with Paris agreement of banks worldwide
NO PLAN TO
COMPLETE
GHG emissions identification scenario(2021)
UNEPFI.ORG
18% 68% 14%
COMPLETED
This Is A
IN PROGRESS

22. By SUSTAINALYTICS(WORLDWIDE) 2023
percent
BANK (COUNTRY)
61%
HSBC (UK)
60%
Royal Bank of Canada (Canada)
58%
Toronto-DominionBank(Canada)
57%
Commonwealth Bankof Australia (Australia)
53%
Charles Schwab (U.S.)
51%
Morgan Stanley (U.S.)
HIGHEST SUSTAINABILITY SCORES OF THE LARGEST Banks
SUSTAINALYTICS.COM

23. 7.5
6.4
5.4
4.5
3.9
3.7
3.3
3.1
Ind. Bank of China
Bank of America
Bank of China
Credit Agricole
Mizuho Bank
BNP Paribas
China Const. Bank
Sumitomo Mitsui
STATISTA.COM
green bond issuance of the largest banks
billion dollars(worldwide) 2022

24. 26.5
22.3
21.8
21.3
19.9
19.7
17.6
11.3
10.1
JP Morgan
Credit Agricole CIB
BNP Paribas
Citi
Deutsche Bank
Bank of America
HSBC
Barclays
Morgan Stanley
billion dollars(2021)
BLOOMBERG.COM
largest green bonds underwriters worldwide

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