The document introduces green banking guidelines issued by the State Bank of Pakistan for banks and financial institutions. It outlines the regulatory requirements for green banking, including developing environmental risk management procedures and reducing environmental impacts from banks' own operations. It then discusses key concepts of green banking like environmental risk assessment, green business facilitation, and reducing banks' own environmental impact. The roles and responsibilities of different departments in implementing green banking strategies are also covered.
This presentation provides complete study ofcredit risk management,how it was performed in yester years ,how it is taken care nowadays and what is the road ahead in future
This presentation provides complete study ofcredit risk management,how it was performed in yester years ,how it is taken care nowadays and what is the road ahead in future
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.
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
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.
This paper was presented at the Future of SMEs Banking Conference organised by Business a.m on 27th November, 2019 in Lagos. For SMEs to be able to play the role of engine of growth, Banks and other financial services provider need to be creative in managing funding and credit risks.
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
Banking with a Green Heart: Embracing Sustainable Practices for Environmental...Laurie Suarez Corporation
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As climate change and environmental concerns intensify, businesses across industries are increasingly recognizing the need for sustainable practices. In the banking sector, there is a growing movement towards incorporating environmental responsibility into their operations. Sustainable banking practices focus on mitigating environmental impacts, promoting renewable energy, and supporting eco-friendly initiatives. In this blog, we will explore the significance of sustainable banking, its impact on the environment, and how financial institutions can champion environmental responsibility.
Green Banking is an environmentally friendly Banking solution to save energy, reduce carbon emission, to transform waste and other natural resources into energy, and save the environment from pollution.
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 resourcesâ. 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 earthâs ecology, environment, and natural resources including biodiversity.
Green and Sustainable Banking: A Pathway to Environmental ResponsibilityFarhatUddinSojib
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# 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
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 banking 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 called an ethical bank or a sustainable development for the future.
This study presentation outlines the role that environmental issues are now playing in business strategy. It looks at the main aspects of environmental legislation also at the role of CSR (corporate social responsibility), with a particular focus on sustainability
Sustainability is smart business (events industry)Michael Luehrs
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The business case for sustainability for event industry leaders. Directed at destinations, hotels, venues and industry influencers, the points here help show that sustainable practices are fundamental, integral and benficial to business.
Prepared in collaboration with Mariela McIwraith of MeetingChange, these slides were presented to the World Meetings Forum on behalf of the Green Meetings Industry Council.
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.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
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USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
The secret way to sell pi coins effortlessly.DOT TECH
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Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
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Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
how can i use my minded pi coins I need some funds.DOT TECH
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If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. đ I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
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Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
how to sell pi coins at high rate quickly.DOT TECH
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Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
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financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
⢠The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
⢠The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
⢠The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
⢠Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and assetâs value is determined by companyâs performance. There are two major types of equity securities: common stock and preferred stock.
ď Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the companyâs board of director or the business decisions to be made.
ď Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for companyâs growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
What website can I sell pi coins securely.DOT TECH
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Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
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Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the worldâs largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
where can I find a legit pi merchant onlineDOT TECH
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Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
The European Unemployment Puzzle: implications from population agingGRAPE
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We study the link between the evolving age structure of the working population and unemployment. We build a large new Keynesian OLG model with a realistic age structure, labor market frictions, sticky prices, and aggregate shocks. Once calibrated to the European economy, we quantify the extent to which demographic changes over the last three decades have contributed to the decline of the unemployment rate. Our findings yield important implications for the future evolution of unemployment given the anticipated further aging of the working population in Europe. We also quantify the implications for optimal monetary policy: lowering inflation volatility becomes less costly in terms of GDP and unemployment volatility, which hints that optimal monetary policy may be more hawkish in an aging society. Finally, our results also propose a partial reversal of the European-US unemployment puzzle due to the fact that the share of young workers is expected to remain robust in the US.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
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Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
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Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
how to sell pi coins effectively (from 50 - 100k pi)
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SBP Green Banking
1. Introduction to SBP Green Banking Guidelines
Implementation in Banking Sector
Issuing Department:
Operational Risk Management Department
Risk Management Division
September â2020
2. Introduction to Green Banking
Green Banking acknowledges responsibility of the financial sector in supporting policy initiatives for
transforming countryâs economy towards low carbon and climate resilient economy.
And contributes towards sustainability to reduce the vulnerability and risks arising from banking operations in
accordance with green banking guidelines issued by State Bank of Pakistan.
Green Banking envisions inculcation of environmental consciousness as part of organizational culture and
reorientation of banking products/ services and operations to reduce environmental impact of banks on the
economy.
3. Regulatory Requirements for Green Banking
.
⢠SBP issued the Guidelines on October 08, 2017.
⢠A comprehensive policy on green banking.
⢠Procedures to identify, assess, mitigate, monitor and report on environmental risks.
⢠Financial mechanisms which are adapted to fit green investments.
⢠A system that reduces environmental impacts stemming from banks /DFIâs own operations.
⢠Review banks overall portfolio, its environmental risk positions and report to relevant stakeholders
⢠SBP is monitoring progress of banks and DFIs in implementation of Green Banking Guidelines.
4. What is Green Banking
A shift from banking as usual that provides necessary tools and techniques to leverage banking channels for promotion of
resource efficiency, environmental protection and climate resilience for an equitable and sustainable development of
economyâ.
Banking sectorâs interacts with the environment in two ways.
ď Direct: Day to day operations such as use of paper, electricity, stationary, lighting, air conditioning,
electronic equipment etc.
ď Indirect: Through on-lending to business/ industries which include sectors like steel, paper, cement,
chemicals, fertilizers, power, textiles etc.
What is Green Culture
Green culture may be defined as a lifestyle of making deliberate choices and decisions regarding the resources used for daily
living for the purpose of minimizing resources used or to use resources that are renewable.
5. Objectives of Green Banking
ď Motivate Banks/ DFIs for green / Sustainable banking practice.
ď Reduce vulnerability of financial system from risks arising from the environment.
ď Facilitate banks/ DFIs to play their role for transformation of economy into a resource efficient and climate.
resilient one.
Scope Applicability
ď Guidelines is applicable to all banks and DFIs.
ď Guidelines intend to set minimum standards for a fair and competitive environment.
6. Concept of Green Banking
Green
Banking
Promoting Environmental
Friendly Practices
Banking Practices that
contribute towards Protecting
the Environment
Banking Practice that bring
in Social Welfare
7. Benefits of Green banking
The concept of Green Banking will be mutually beneficial to the banks, industries and the economy in following
ways;
ď Operating Cost Savings
ď Demand for Green Products
ď Risk Mitigation
ď Market Leadership
ď Tax Incentives
ď Employee Retention
ď Brand Reputation and Publicity
ď Resource Consumption
ď Keeping up with the Competition
ď New Revenue Opportunities
8. âGreenâ for a Bank
ďź Corporate identity
Being green is fashionable today and helps to sell all products, finance is not different
ďź Compliance with standards
Nationally applicable environmental laws, regulations or standards (environmental protection acts)
ďź Risk management
Portfolios are threatened by environmental risks, incl. climate change
ďź Business opportunity for further growth
Markets are huge in the âGreen Spaceâ.
Examples include:
Renewable Energy,
Energy Efficiency,
Water Efficiency,
Waste Treatment
9. Core Areas of Green Banking
ďź Environmental Risk Assessment and Management
Design a policy to identify, assess, mitigate and monitor environmental risks arising from operations of a business.
ďź Green Business Facilitation
To adopt Profitable business opportunities in DIBPL in the form of investments, resource efficiency and alternative
energy generation.
ďź Own Impact Reduction
To reduce our own impact on the environment through conscious management of the consumption of energy and other
natural resources used in banking operations.
10. Shariah Perspective for Environmental Protection (Cleanliness)
Prophet Muhammad (SAW) not only gave importance to personal hygiene but also informed us to keep the
environment clean.
⢠Abu Malik Al-Ash`ari (RA) reported that the Messenger of Allah (SAW) said:
âCleanliness is half of iman (faith).â
⢠Abu Dharr Al-Ghafari (RA) reported that the Prophet (SAW) said,
âRemoving harmful things from the road is an act of charity (sadaqah).â
11. Shariah Perspective for Own Impact Reduction
⢠Prophet Muhammad (SAW) said:
"By Allah, he does not believe!
By Allah, he does not believe!
By Allah, he does not believe!"
It was said, "Who is that, O Allah's Messenger " He (SAW) said, "That person whose neighbor does not feel safe from his
evil (Bad Deeds)."
(Sahih Bukhari Vol #8, Hadith # 6016)
⢠Prophet Muhammad (SAW) said:
âWhoever believes in Allah and the Last Day should not harm his neighbor.â
(Sahih Bukhari Vol #7, Hadith # 5185)
12. Environmental Risks of Bank
ď Growing sector beyond control/ limits
ď Debt repayments lead to increase production
ď Environmental risk of clients / loans
ď Economic growth vs. Environment
ď Unequal resource distribution
Environmental disaster can collapse whole system
ď Property Damage
ď Financial Losses
ď Complete Shutdown
13. Benefits for Banks and Their Clients
For Clients
ď Cost savings âImproved Productivity/Quality of Output âCompetitiveness
ď Reasonable pay-back period âInvestments recovered from energy cost savings
ď Reduced footprint âSustainable access to global supply chains
For FIs
1. Expanded market through a new business line:
ď Innovative product
ď Monetize existing client base-Attract quality new clients
ď Sell on value to customer, not pricing
ď New marketing channels through vendor partnerships
2. Improved risk profile of portfolio:
ď Energy cost savings as a part of cash-flow
ď Positive social and environmental impacts
ď Enhanced brand reputation, PR opportunities
14. Roles and Responsibilities for Green Banking Office
Green Banking
Office
Policy
Strategy
Processes
Institutional changes
⢠Green Business Facilitation
⢠Own Resource Reduction
⢠Environmental Risk Assessment and Management
Data Collection Budget Allocation
15. Roles and Responsibilities (Contd.)
BoDs
ďźPolicy (Environmental risk management, own impact reduction, green business facilitation)
ďźMaximum exposure limits
ďźStrategies and budget
ďźCSR reporting
Management
ďźGreen culture
ďźGreen strategies
ďźData management and reporting
ďźInternal capacity building
ďźDissemination of information
ďźAudit and compliance
ďźGreen awareness campaign
16. Organization
Green Banking Office
ďźCompliance with GBG
ďźFacilitate other dept. in development of GBG
ďźPeriodic review of policies ,strategies
ďźThird party advice
Institutional arrangements-ERM
ďźEnvironmental risk management
ďźERM system
Institutional Arrangements - Green Business Facilitation
ďźGreen Financing Product
Institutional Arrangements - Resource Efficiency
ďźOwn Impact Reduction
17. Environmental Risk Management
Identify, Assess, Mitigate and Monitor Environmental Risks arising from operations of a business
ďź Environmental Risk Avoidance List
ďź Environmental Due-Diligence
ďźEnvironmental Checklists
ďźEnvironmental Risk Rating
ďźEnvironmental Risk Monitoring
ďźReporting and Documentation
18. Environmental Risk Management System
Identification
⢠Questionnaire
⢠Sector Specific
Information
⢠Other Publicly
Available Information
Analysis
⢠Internal Policies
⢠National Policies
⢠Client Information
Risk Categorization
⢠Bankâs Internal
System
19. Environmental Risk Management System
Environmental
Action Plan
⢠Contractual
Obligations
Monitoring
⢠Environmental
Performance
Reporting
⢠SBP
Requirements
20. Green Business Facilitation
ďźGreen financing portfolio Agriculture clients.
ďźPesticides,
ďźEfficient Water Usage,
ďźEfficient Technologies,
ďźWaste Disposal
21. ď Green Mortgages
ď Green Loans
ď Green Credit Cards,
ď Green Savings Accounts,
ď Green Checking Accounts
ď Green CDs
Green Financial Products
ď Green Money Market Accounts
ď Remote Deposit (RDC)
ď Digitalization
ď Mobile Banking
ď Online Banking
22.
23.
24. Own Impact/ Resource Reduction
⢠Energy Efficiency
⢠Mobility
⢠Procurement
⢠Energy
⢠Waste
⢠Water
â˘Mobile Banking
â˘Internet Banking
â˘Online Banking
Paperless
Banking
Infrastructure
Green Buildings
Various
Impact Reduction Target
Inventory of consumption of resources
like Electricity, Water, Petroleum,
Paper etc., along with targets to
minimize âBaseline scenario â
⢠Green Branches
⢠Paperless Banking
ďź Mobile Banking
ďź Data Storage Disk
ďź E-Statements
ďź Internet Banking
25. Green IT Infrastructure
Energy Star Appliances
In 2016 alone, ENERGY STAR helped Americans save approximately 400 billion kWh of electricity with associated emission
reductions of 320 million metric tons of greenhouse gas emissions
ďź Renewable energy ATM/offices
26. ⢠Discourage the excessive use of lighting.
⢠Use technology for virtual meetings.
⢠Consider installing solar panels.
⢠Upgrade all equipment with energy star appliances.
⢠Use centralized air cooling systems.
⢠3R (Reduce, Reuse, Recycle)
⢠Waste segregation system
⢠Reducing packaging amounts
Green Practices
⢠Print documents double-sided.
⢠Print preview documents before hitting print button.
⢠Proof read the document on screen before you print.
⢠Print only the required pages you need from a large document.
⢠Use, paper printed on one side, to use for scrap or note paper.
⢠Use second quality paper.