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Acknowledgement:
It is my pleasure to show glad to Honorable teachers of International Business Dept. This
requires to mention the prudent teachers like Abu Hena Rea Hasan! "hairman! IB Dept! Dr.
#ahfuur Rahman! $rofessor! %uborno Borua!&ecturer! %hamsun Afrin! &ecturer and so on of
International Business Dept. I am also glad to Dr. Atiur Rahman! 'o(ernor of BB! #orshed#illat! D'#! 'reen Banking and "%R Dept. of BB who ha(e arranged such a beneficial
program for us.
I think about #utual Trust Bank &td. )hich ga(e me the chance to do my intern program at at
'reen Banking "ell. The cordial help of Iqbal #ahmud! Head of R#* Dept and +aeem ,ai!
Reporting -fficer of this cell are also mentionable. #oreo(er! Ridwanul Islam! Touhidul Islam!
and #amun (ai who are Assistant -fficers of 'reen Banking *nit! ahangir Alam! -fficer of
%#/ Di(ision who also look after the green financing! ha(e also made me glad to them. This is
beyond mentioned that they are (ery much helpful and cordial to me and also to their duties.
They ha(e helped me to know about the
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Executive Summary:
Literature Review:
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Mutual Trust Bank Ltd.
and
Green Banking
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The "ompany was incorporated on %eptember 01! 2111 under the "ompanies Act 2113 as a
public company limited by shares for carrying out all kinds of banking acti(ities. It was also
issued "ertificate for "ommencement of Business on the same day and was granted license on-ctober 45! 2111 by Bangladesh Bank under the Banking "ompanies Act 2112 and started its
banking operation on -ctober 03! 2111. As en(isaged in the #emorandum of Association and as
licensed by Bangladesh Bank under the pro(isions of the Banking "ompanies Act 2112! the
"ompany started its banking operation and entitled to carry out the following types of banking
business6
7i8 All types of commercial banking acti(ities including #oney #arket operations.
7ii8 In(estment in #erchant Banking acti(ities.
7iii8 In(estment in "ompany acti(ities.
7i(8 9inanciers! $romoters! "apitalists etc.7(8 9inancial Intermediary %er(ices.
7(ii8 Any related 9inancial %er(ices.
Green bank concept is an ethical, socially responsible and sustainable bank. It is
providin innovative reen products and support activities that are not ha!ardous to
the environment.
"orty out o# $% banks have #ormed a Green &ankin 'nit and Green &ankin (olicy,
$) banks have introduced a Green *+ce Guide, EnvRR has been done #or %)-
proects out o# which /0 rated proects have been 1nanced, 2k -3$--%.) million
has been disbursed #or the rated proects, )/- branches4S5E unit o+ces have beenpowered by solar enery, 6% banks are #ully automated and 63$7 branches have
been #acilitated with online coverae.
"rom the beinnin it has tended to do some environment #riendly task. 8s a result,
it has been established its 9orporate ead *+ce with solar enery and keep the
buildin surrounded with crystal lasses as the o+cials can use the liht o# solar
when workin. 5oreover, they named their ;oors with 8ir,
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capacity buildin and disclosure o# the bankAs practices are considered part o# Green
activities.
In?house activities coverin inventory on utilities and enery, Green up to 5arch
73)7, capacity buildin and disclosure by banks has also been considered #ornomination.
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Components
Of
Green Banking
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Green financing:
(roect 8rea Bisbursement Bate
Sanctional8mount
Cumbero# (ump
2otal"armers
Land&iha
(roect ) &aruna 63thBec,30
6,/33,333.33
) 73 )3-.33
(roect 7 (atuakhal
i
)3th5ar,
))
-,%03,33
3.33
7 %/ )/3.33
(roect 6 &aruna )3th5ar,)) -,%03,333.33
7 6- )%0.77
(roect $ (anchaor
)/th5ay,))
6,$33,333.33
7 66 )-7.33
(roect - (atuakhali
)0thul, )) 6,$73,333.33
7 6- )/3.33
(roect (anchaor
)$thDun, )7 -33,333.33
) 0- $7%.%/
(roect % (anchaor
)3thDan,)6 ),/33,333.33
7 73 /3.33
(roect / (anchao
r
7/thDan, )6 %,333,33
3.33
7 $6 )0-.0$
(roect 0 (anchaor
6rd "eb, )6 %,333,333.33
7 %0 )0$.)3
a. Solar Irrigation:
2he areas o# investment are shown below raph,
Area Amount
&aruna 0,-03,333
(atuakhali 0,7)3,333
(anchaor )0,%33,333
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Year Wise GreenFinancing:
ear Amount
7330 6,/33,333.33
73)) )/,$33,333.33
73)7 -33,333.33
73)6 )-,/33,333.33
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!. Bio"Gas #lant:
Co o# &io?as (lant 8mount Bate o#Bisbursement
8rea
-/ ),33,333 -th8u,73)3 (abna, Ranpur,2hakuraon,Rabari.
Co o# Solar omeSystem
8mount Co o# CG* Startin Bate
03$ 63%-.33 %.33 Cov,73)3.c. Solar $ome S%stem:
#ercentage in Total Green &inancing:
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In 'ouse management:
Banks do not operate factories or power plants which release pollutants into the air, nor do their
supply chains require huge amounts of raw materials with large environmental footprints. Infact, the perceived sum of a banks impacts might be simply the resources used in their
administrative offices, retail branch locations, and IT facilities.
Again, banks provide capital to nearly all sectors of the economy which might have large
footprints in the environment.
TBs !reen "ffice guide, as a short guide, aims to solve this problem by giving clear, concise
information about environmental issues and listing the practical steps needed to create a
greener office environment and cut costs at the same time.
Paper
Some Info About Paper:
If we can save one ton of paper, we can save equivalent #,$%% &wh of energy, '%%%
gallons of water, (% lb of carbon emission and ) cubic yards of landfill space.
The pulp and paper industry is the single largest consumer of water used in industrial
activities in developed countries and the third largest industrial greenhouse gas
emitter, after the chemical and steel industries.
It takes $% times more energy to manufacture a piece of paper than to create a print
or copy
An estimated *% percent of the worlds global paper use is made using virgin fiber.
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Initiatives to +educe aper -se
/or efficient paper use, follow the ) +s environmental standard
reduce
reuse and
recycle
Improving in each of these areas will bring paper cost savings and cut the need for storage
space. To do so,
0reate hard copies only when absolutely necessary
+eview and edit draft documents on screen rather than on paper.
If you need to print large reports, consider ad1usting margins, line spacing, and page
settings that allow more information to fit on each page.
-se print preview to check the document on the screen before printing. -se e2mail to share documents and ideas. If possible, bookmark web pages rather than
printing them out, and print e2mails and internet documents only when necessary. "nly make the photo copies you need 3 try to avoid making spares 41ust in case.5
&eep one tray of paper in the printer stocked with single2sided waste paper where ever
possible. &eep trashy paper in the trash bin. 0ommunicate with those vendors who take these
trash paper and give new paper or paper materials.
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Energy
Some Info About Energy:
Burning a gallon of gasoline produces 6.6 kg 7$*.#lb8 of 0"9.
!lobal warming caused by !:! emissions is contributing to the accelerated melting
of Arctic sea ice. According to I00 worldwide surface temperature will increase by ;.6%0 by 9$%%.
Initiatives to +educe
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!ffice E"uipment
Some Info About !ffice E"uipment:
>olid ink produces *% less supply waste than laser printing
?evels of potentially harmful airborne particulates are five times higher in an office during
working hours due to laser printer emission.
Initiatives to +educe
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Initiatives to 0onduct eeting @ 0onference
+educe overall office paper use.
-se double2sided handouts @ electronic only versions as much as possible. :ave water in ceramic glass rather than disposable bottles @ get reusable plates instead
of paper plates @ cups.
If youre attending a meeting or conference near your office, walk if it is close. -se
public transport andor car2pool for longer trips.
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Car Pooling
Some Information:
There are high concentrations of lead 7b8, G"C, G"9, :idro 0arbon @ >"9 in the air ofurban centers in Bangladesh.
The -.>. primary standard for 9#2hour mean for 2$% is $;% micro2gramm), where a
)2hour mean for 2$% found in /armgate area is ;%% micro2gramm).
Initiatives to 0ar ooling
Accommodate more people in a single vehicle, rather than using multiple ones
proceeding towards a certain direction.
0heck your cars tyre pressure, tune your car frequently, drive slowly and smoothly and
use
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Green marketing:
52& has started takin initiatives to o reen marketin. 2he initiatives
reardin this issue are?
'sin proectors and diital banners as it avoids the printin bannersthat emits carbon huely.
Introducin the products to the customers by online advertisement and
825 display.
Climate risk fund:
52& has created a climate risk #und. In 73)7, there was 2 -3lac in this
#und which remained unused in that year. "und is oin to be allocated
in 73)6.
Online Banking:
*se of -utlook for internal messaging
*se of Intranet
Internet! #obile: phone banking
Database required for number of branches with online co(erage.
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Green Banking Cell
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Green Banking Cell:
The management of #TB form a separate 'reen Banking "ell ha(ing the responsibility of
designing! e(aluating and administering related 'reen Banking issues of the bank. The cell is
conducting its acti(ities under the super(ision of Risk #anagement *nit. The Head of Risk
#anagement *nit is the Head of 'reen Banking "ell. This committee reports to high powered
committee.
Activities of Green Banking Cell:
To implement In6house /n(ironmental risk management.
To conduct a preliminary en(ironmental risk re(iew using /n(ironmental Due Diligence
checklists 7/DD8. To ensure /n(ironmental Risk Rating 7/RR8.
To take initiati(es to create "limate Risk fund.
To take initiati(es to introduce 'reen 9inance.
To introduce 'reen #arketing.
To formulate and update policy and go(ernance.
Issue awareness circular to Head -ffice Di(ision:Departments:Branches:%#/ centers.
Issue Instruction circular to Head -ffice Di(isions:Departments:Branches: %#/ centers.
To support /mployee Training! "onsumer Awareness and 'reen /(ent.
To disclose 'reen Banking Acti(ities in annual report.
Report to "ommittee for 'reen Banking.
To plan! organie and e(aluate staff acti(ities.
Report to the Department of off6site %uper(ision of Bangladesh Bank on quarterly basis
(is6;6(is initiati(es:acti(ities under the said program.
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Work process flow of Green Banking Cell:
In order to boost up 'reen Banking performance! #TB
2. Head of 'reen Banking "ell
0. Head of "R#
?. Head of HRD
3. Head of "orporate
5. Head of "AD
@. Head of Retail
. Head of %#/
The main obCecti(e to form this "ommittee is to formulate policies! designing! e(aluating!
and administering related 'reen Banking issues .Acti(ities of green banking may be carried
out in three maCor areas>
2. 'reen 9inance .
0. 'reen Awareness $rogram .
?. /n(ironmental Risk #anagement.
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All the maCor areas would be headed by the high officials. The reporting process flow of 'reen
banking acti(ities will be as follows>
Green Finance Green Awareness Program Environmental RiskManagement
Hea of Green Banking
Cell
Hea of CRM
Hea of CA!
Hea of Corporate
Hea of Retail
Hea of "ME
Head of 'reen Banking "ell
Head of HRD
Head of Training Institute
Head of 'reen Banking "ell
Head of "R#
The reporting process flow of 'reen banking acti(ities will be as follows>
The reporting flow goes left to right. 9irstly! the officers of green banking cell reports the issues
such as noncompliance of BB 'reen Banking 'uideline! any feasible proCect plan etc to the
Head of 'reen Banking "ell. Then the Head of 'reen Banking "ell discuss this issue with theHead of #anagement "ommittee.
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Green #anking Pro$cts % "ervices:
Electronic #anking6 It is the platform of gi(ing the customers the con(enience of
banking anytime anywhere through internet banking! mobile banking! phonebanking. This will reduce the pollution contribution by the customers as they do
not ha(e to resort to physical statements or tra(el to the branches.
Privilege financing for Green ve&icle6 As an initiati(e towards more en(ironment
friendly way of life! in our car:other (ehicle loan facility we may offer full or
partial wai(er on processing fee:interest rate on (ehicle types which uses green
technology or uses alternate mode of energy.
Home Finance6 In our eEisting Home &oan facility! we may offer reduced processing
fees or pri(ileged interest rate to customers who construct or purchase homes with
renewable energy.
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Green Banking Initiati(es
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'nitiatives of Green Banking:
'ntro$cing E()otice Boar:
/6+otice board is a web based form of notice board in where internal circulars and news are
published. It reduces the consumption of paperr and easy to access. #TB& officials use this
board to post6
"ircular.
-ffice order.
e6greetings.
*raining Programs:
Information regar'ing Green %an(ing acti$ities )As of *+,+-,.+/.0
Sl 1 Particulars 2uarter . Cost in 3a(a
$
Go of Training
programs>eminarsHorkshops
Awareness rograms
0onducted
9
9;%,%%%
9 Go. of articipants covered ()
"olar A*Ms:
AT# Date
Aman Baar 02stune!0422.
%yedpur 0?rd+o(ember!0422.
Fapasia708G thune! 0420.
Famrangir "har 2thDecember! 0420.
Roypur ?2st#arch! 042?.
"olar Branc&es:
2. "orporate Head -ffice.0. Ishwardi
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?. Belkuci
3. Hasnabad
5. %yedpur @. %arulia
. "oE
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EBB and ERR
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:General En$ironmental 6ue76iligence Cec(list
Particulars Yes,8o,8A
Possible sources of en$ironmental ris(
$. kills If so, is the manpower skilled to address environmental issuesL'. ?abor social issues Does the management adopt good practices vis2M2
vis occupational health @ safety and associated issues such as child labor,
forced labor, wage compensation, discrimination and working hoursL
6etermining o$erall En$##
7lease highlight the categories of En$##based on measurement criteria8
4easurement Criteria En$##If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;% or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9; and less than ;% of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell
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#is( 4anagement 5nit
%ranc: Client:
Sector: Cement Category: +ed
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Air emissions:%re air emission prevention and control measures
sstems installed in all point sources of emissions in operational
processes and also in the handling and storage of intermediate & final
goods?
Wasteater , E3P:
K Is there an
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Cemicals )fertili;ers8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Ha;ar'ous cemicals:Does the design provide for handling, storage
and transportation of haFardous chemicals in the manufacture of
fertiliFersL
. Wasteater , E3P:
K Is there an Effluent reatment lant (E) to treat the wastewaterdischarges in their design?
K Does the
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#is( 4anagement 5nit
%ranc: Client:
Sector: 6airy Category: "range A or"range B
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
$. Wasteater , E3P:
K Is there an Effluent reatment lant (E) to treat the -aste water
discharges in the design?
K Does the
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Engineering & %asic 4etal Category: "range2 B or +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
ParticularsYes , 8o ,
8A
/ Air emissions:ave appropriate air pollution control e'uipment at the
emissions points and also e*haust provisions in the various metal
manufacturing processes?
. Wasteater , E3P:
:as an
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Housing Category: -nclassified 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Seage:
as a sewage treatment plant () of a si+e appropriate to the
re'uirements been included in the design? Is there a 0ustification
for the chosen si+e?
K Does the >T design ensure that there is no bypass
arrangementL
. 6ust:Does the proposed business activity have appropriatemeasures to control the dust pollution during constructionL
* 8oise:Are measures to control noise from the large
construction activitiesL
? 6ebris:Are there measures to manage the construction
debrisL
@ 4onitoring:
Is environmental monitoring, particularly of the air emissions and
effluent discharges, proposed on a periodic regular basisL
6etermining o$erall En$##
7lease highlight the categories of En$##based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;% or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9; and less than ;% of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Pestici'es Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Gui'elines:Is the pesticide manufacturing been carried out in line
with the -O 1uidelines, toc"holm 2onvention and 3otterdam
2onvention?
9. Ha;ar'ous cemicals:Does the design provide for handling, storage
and transportation of haFardous chemicals in the manufacture of
pesticidesL). Wasteater , E3P: K Is there an Effluent reatment lant (E) to
treat the -aste water discharges in the design?K Does the
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#is( 4anagement 5nit
%ranc: Client:
Sector: Parmaceutical Category: "range2 B 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Ha;ar'ous cemicals:ave methods been included for the safe
storage and use of ha+ardous chemicals?
. Wasteater , E3P:
Is there an Effluent reatment lant (E) to treat the wastewater
discharges in the design?
Does the
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%ranc: Client:
Sector: Poultry Category: "range A or"range B
Sector specific En$ironmental 6ue76iligence Cec(list
articulars Nes Go GA1.Avian influenza:Does the business activit ta"e ade'uate management
measures to protect from animal diseases / pathogens such as avianinfluen+a (strain 456)?
2. Solid waste: K Is there provision for appropriate management of solid
waste including waste feed, animal waste, carcasses, >ediments and
sludge from wastewater treatment facilitiesL
K Are there responsible methods to dispose the solid waste >ludge from
the
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Pulp & Paper Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Wasteater , E3P:
K as an E of a si+e appropriate to the re'uirements been included in
the design? Is there a 0ustification for the chosen si+e?
K Does the
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Sugar & 6istilleries Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Wasteater , E3P:
K as an E of a si+e appropriate to the re'uirements been included in
the design? Is there a 0ustification for the chosen si+e of the E?
K Does the
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Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: 3annery Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/ Ha;ar'ous cemicals:Does the business activit include
appropriate ha+ardous chemicals management methods in
pretreatment, deing and other processes?
. Wasteater , E3P:
K Does the proposed business activity have its own
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Anne)ure
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