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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
Executive Summary:
Literature Review:
Mutual Trust Bank Ltd.
and
Green Banking
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,
$) banks have introduced a Green *+ce Guide, EnvRR has been done #or %),-
pro.ects out o# which ,/0, rated pro.ects have been 1nanced, 2k -3$--%.,) million
has been disbursed #or the rated pro.ects, )/- branches4S5E unit o+ces have been
powered 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, <ind, <ater, Sun etc to
encourae the employees think reen. It has done some sini1cant .ob such as
reen 1nancin, in house manaement, climate risk #und and reen marketin. 8s a
result it has been selected as one o# the top )3 reen banks=(9&s> circulated by
&anladesh &ank in its 73))?)7 annual report.
5uch more emphasis has been iven on the bank@s operational policy as re;ected
in the allocation o# its budet #or promotin Green 1nance, environmental risk
ratin, and expansion in prorams to #oster reater access to online bankin, 825,
Internet and 5obile4S5S bankin. In?house activities coverin buildin an inventory
o# savins on utilities and enery, encourain Green marketin, enhancin
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 #or
nomination.
Components
Of
Green Banking
Green financing:
(ro.ect 8rea Bisbursem
ent Bate
Sanctional
8mount
Cumber
o# (ump
2otal
"armers
Land
&iha
(ro.ect ) &aruna 63
th

Bec,30
6,/33,33
3.33
) 73 )3-.33
(ro.ect 7 (atuakhal
i
)3
th
5ar,
))
-,%03,33
3.33
7 %/ )/3.33
(ro.ect 6 &aruna )3
th
5ar,)) -,%03,33
3.33
7 6- )%0.77
(ro.ect $ (anchao
r
)/
th

5ay,))
6,$33,33
3.33
7 66 )-7.33
(ro.ect - (atuakhal
i
)0
th
.ul, )) 6,$73,33
3.33
7 6- )/3.33
(ro.ect , (anchao
r
)$
th
Dun, )7 -33,33
3.33
) 0- $7%.%/
(ro.ect % (anchao
r
)3
th
Dan,)6 ),/33,33
3.33
7 73 /3.33
(ro.ect / (anchao
r
7/
th
Dan, )6 %,333,33
3.33
7 $6 )0-.0$
(ro.ect 0 (anchao
r
6rd "eb, )6 %,333,33
3.33
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,%33,33
3
Year Wise Green
Financing:
ear Amount
7330 6,/33,333.33
73)) )/,$33,333.33
73)7 -33,333.33
73)6 )-,/33,333.33
!. Bio"Gas #lant:
Co o# &io?as (lant 8mount Bate o#
Bisbursement
8rea
-/ ,),33,333 -
th
8u,73)3 (abna, Ranpur,
2hakuraon,
Ra.bari.
Co o# Solar :ome
System
8mount Co o# CG* Startin Bate
0,3$ 63%-.33 %.33 Cov,73)3.
c. Solar $ome S%stem:
#ercentage in Total Green &inancing:
In 'ouse management:
Banks do not operate factories or power plants which release pollutants into the air, nor do their
supply chains require huge amounts of raw materials with large environmental footprints. In
fact, the perceived sum of a banks impacts might be simply the resources used in their
administrative offices, retail branch locations, and IT facilities.
Again, banks provide capital to nearly all sectors of the economy which might have large
footprints in the environment.
TBs !reen "ffice guide, as a short guide, aims to solve this problem by giving clear, concise
information about environmental issues and listing the practical steps needed to create a
greener office environment and cut costs at the same time.
Paper
Some Info About Paper:
If we can save one ton of paper, we can save equivalent #,$%% &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 $% times more energy to manufacture a piece of paper than to create a print
or copy
An estimated *% percent of the worlds global paper use is made using virgin fiber.
Initiatives to +educe ,aper -se.
/or efficient paper use, follow the ) +s environmental standard.
reduce
reuse and
recycle
Improving in each of these areas will bring paper cost savings and cut the need for storage
space. To do so,
0reate hard copies only when absolutely necessary
+eview and edit draft documents on screen rather than on paper.
If you need to print large reports, consider ad1usting margins, line spacing, and page
settings that allow more information to fit on each page.
-se print preview to check the document on the screen before printing.
-se e2mail to share documents and ideas. If possible, bookmark web pages rather than
printing them out, and print e2mails and internet documents only when necessary.
"nly make the photo copies you need 3 try to avoid making spares 41ust in case.5
&eep one tray of paper in the printer stocked with single2sided waste paper where ever
possible.
&eep trashy paper in the trash bin. 0ommunicate with those vendors who take these
trash paper and give new paper or paper materials.
Energy
Some Info About Energy:
Burning a gallon of gasoline produces 6.6 kg 7$*.#lb8 of 0"9.
!lobal warming caused by !:! emissions is contributing to the accelerated melting
of Arctic sea ice.
According to I,00 worldwide surface temperature will increase by ;.6
%
0 by 9$%%.
Initiatives to +educe <nergy -se.
<nergy is used to light, heat and air condition a typical workplace and for running electrical
equipment like ,0s, photocopiers and printers.
:ere are some easy ways to save energy, making your choice more environmentally friendly=
and more cost2friendly, too.
Lig'ting
Turn off the lights every time you leave a room.
ake sure everyone knows 4the last one out will turn off the lights5.
/orgetting turning off the lights sometimes is chronic. >o, install occupancy sensor
where applicable.
?et the sun shine in and light up your office by ad1usting vertical blinds at northern @
>outhern side of your office. ,aint walls in light colors to enhance the effect of natural
light.
,urchase compact fluorescent lamps 70/?s8 for the office. 0/?s typically save #%A
energy costs associated with incandescent bulbs and lasts $% times longer.
<ncourage your colleagues to switch off lights in common areas such as meeting rooms,
toilets and common room when these are not in use.
Heating & Cooling:
Ad1ust your thermostats properly. >et thermostats at 9(% 0 in summer and 96% 0 in
winter. >hut off air2conditioners on cold days.
Avoid package 7>plitB+oom8 air conditioning systems as they are energy wasters.
Personal computers:
>witch off your ,0 system over lunch and whenever you plan to be away from your desk
for an eCtended period of time.
Turn off your screen when youre not using it. >creens are the biggest consumers of
energy.
-se a single power strip for plugging multiple computer devices, and shut off the strip at
the end of the day.
Potocopiers:
>witch copiers off overnight.
ake sure the standby is set properly.
!ffice E"uipment
Some Info About !ffice E"uipment:
>olid ink produces *%A less supply waste than laser printing
?evels of potentially harmful airborne particulates are five times higher in an office during
working hours due to laser printer emission.
Initiatives to +educe <nergy -se.
There are energy2efficient and eco friendly options for virtually all office equipments2
Electronics
-se ?<DB?0D monitors 7$'58 instead of 0+T.
-se dupleC printing 7both2side printing8 printer.
,rint in grey scale 7normal quality8.
Tackle your coworkers print habit by adding a green e2mail signature.
As Ink 1et 7or bubble 1et8 printers are cost saving and use less energy, use ink 1et printers
where applicable.
>witch to power energy2savings settings. +ecommended power management settings.
onitorBdisplay sleep. Turn off after $; minutes or lessE
Turn off hard drivesBhard disk sleep. $; minutes or lessE and
>ystem standbyBsleep. After )% minutes or less
Furniture
0hoose furniture of which most of the materials are environment friendly.
#euse of electronics
Try to upgrade and improve 7instead of replacement8 wherever possible.
Periperal use
,eripherals such as printers, speakers, and scanners continue to consume power even
when not in use. -nplug them and save energy. ,lug them only when necessary.
Initiatives to 0onduct eeting @ 0onference.
+educe overall office paper use.
-se double2sided handouts @ electronic only versions as much as possible.
:ave water in ceramic glass rather than disposable bottles @ get reusable plates instead
of paper plates @ cups.
If youre attending a meeting or conference near your office, walk if it is close. -se
public transport andBor car2pool for longer trips.
Water:
Some Info About Water:
It takes about one quarter of a bottles capacity worth of oil and five liters of water to
make one water bottle that siFe.
?eaking faucets waste large quantities of water.
Gearly *% percent of water bottles are not recycled and wind up in landfills where it takes
thousands of years for the plastic to decompose.
Initiatives to >ave Hater.
-se ceramic or aluminum bottles rather than plastic water bottles.
0heck taps are turned off. It would result in significant financial savings.
Be concerned of sprinkling of water in office premise. "ffice premise must always be
neat @ clean.
Install occupancy sensor for washing hand.
+eport leaking faucets to the concerned. Its estimated that fiCing leaks can save (%%
gallons a month
Car Pooling
Some Information:
There are high concentrations of lead 7,b8, G"C, G"9, :idro 0arbon @ >"9 in the air of
urban centers in Bangladesh.
The -.>. primary standard for 9#2hour mean for ,2$% is $;% micro2gramBm), where a
)2hour mean for ,2$% found in /armgate area is ;%% micro2gramBm).
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
#esponsible purcasing
Through green purchasing, one can support sustainable businesses2rather than those with
harmful environmental practices.
Initiatives to 0ar ,ooling.
,urchasing decisions are made by many individuals, all of whom must take into account the
impact on the environment as well as the economic impact when making buying choices.
Before putting in a purchase order request, take a close look at eCactly what programs
and operating capacities we are in need, and then put in a purchase order.
,urchase recycled or remanufactured materials that have lower impact on the
environment in their production, packaging, use, and, ultimately, their disposal than new
materials.
ake sure paper has a high level of recycled content.
If a supplier doesnt fit your sustainability goals, consider switching to a new supplier.
,urchase long lived products made from renewable resources.
!nline communication:
0onsider e2mail as an authenticated document and avoid
making hard copies of instructions, notes and other official
documents.
Take the advantages of electronic copies as they are paper,
postage, and storage space saving. <lectronic filing and
retrieval can save time also when you need the document
Again.
Waste & #ecycling:
The creation of waste is energy, water and landfill2space intensive.
The less we create is bestE the more we reuse and recycle all the
better. The policy to recycle the wastes is developed accordingly.
Initiati$es:
&eep separate bins for trashy official papers as well as aluminum foils
and cans.
%eautification:
-se non2artificial decorative plant to bring beauty @
elegance to your working place and take regular care of
it.
Be sure that your working space is neat @ clean.
Healty air Flo&:
ItIs likely that youIre spending most of your time in office2 6 hours in a
dayJ
-se non2toCic cleaning products.
Gever bring any type of aerosol can to work.
-se an air purifier to get rid of contaminants.
Dont smoke in or near the office
Green marketing:
52& has started takin initiatives to o reen marketin. 2he initiatives
reardin this issue are?
'sin pro.ectors and diital banners as it avoids the printin banners
that 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 2E -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.
Green Banking Cell
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.
Work process flow of Green Banking Cell:
In order to boost up 'reen Banking performance! #TB<s #anagement "ommittee would form a
strong "ommittee to be entitled ='reen Banking "oordination "ommittee< 7'B""8 comprising
of the following members>
2. Head of 'reen Banking "ell
0. Head of "R#
?. Head of HRD
3. Head of "orporate
5. Head of "AD
@. Head of Retail A
B. 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 $rogram .
?. /n(ironmental Risk #anagement.
All the maCor areas would be headed by the high officials. The reporting process flow of 'reen
banking acti(ities will be as follows>
Green Finance Green Awareness Program Environmental Risk
Management
Hea of Green Banking
Cell
Hea of CRM
Hea of CA!
Hea of Corporate
Hea of Retail
Hea of "ME
DHead of 'reen Banking "ell
DHead of HRD
DHead of Training Institute
DHead of 'reen Banking "ell
DHead of "R#
The reporting process flow of 'reen banking acti(ities will be as follows>
The reporting flow goes left to right. 9irstly! the officers of green banking cell reports the issues
such as noncompliance of BB 'reen Banking 'uideline! any feasible proCect plan etc to the
Head of 'reen Banking "ell. Then the Head of 'reen Banking "ell discuss this issue with the
Head of #anagement "ommittee.
Green #anking Pro$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! phone
banking. 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.
Green Banking Initiati(es
'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
programsB>eminarsBHorkshopsB
Awareness ,rograms
0onducted
9
9;%,%%%
9 Go. of ,articipants covered ()
"olar A*Ms:
AT# Date
Aman Baar 02
st
.une!0422.
%yedpur 0?
rd
+o(ember!0422.
Fapasia708G H
th
.une! 0420.
Famrangir "har 2B
th
December! 0420.
Roypur ?2
st
#arch! 042?.
"olar Branc&es:
2. "orporate Head -ffice.
0. Ishwardi
?. Belkuci
3. Hasnabad
5. %yedpur
@. %arulia
B. "oE<s Baar
'nternet #anking:
Internet banking has been launched on 2
st
Cune!0420. 9irst! only fund transfer can be made by
internet bnanking. +ow! it facilitates the customes to6
a. Access account information.
b. %ummary of account.
c. Account statement.
d. -rder for cheque book.
e. "redit card details.
f. Bill payment for credit card.
g. Bill payment.
Dhaka )A%A Bill.
#obile Recharge.
I*B// Bill.
"all "enter>
+owadays! call center is a popular form of maintaining customer relationship and ser(e them
better. #oreo(er! it is a easy and con(enient way of pro(iding customer satisfaction. #TB& has
launched a call center to ser(e the customer o(er phone on 0B
th
December!0422.
EBB and ERR
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
General En$ironmental 6ue76iligence Cec(list
Particulars Yes,8o,8A
Possible sources of en$ironmental ris(
$. <nvironmental clearances.
K In the proposal for financing, have all the applicable compliances to
environmental laws, i.e. site clearance certificate and environmental
clearance certificate, been obtained from the Department of Environment
(DOE)?
K :ave these clearances been obtained after submitting the appropriate
documents for the different pollution category of industries 7!reen, "range2
A, "range2B and +ed8L
9. ?and location B site. Is the land location / site free from vulnerabilit from
an environmental perspective? !ulnerabilit can arise due to the issues such
as the location being on the river ban" (floods) and on national par"s /forests
(non#compliance)?
). 0limate change$ Is the proposal for financing protected against climate
change related impacts such as cclones, storm surges, floods and droughts
if relevant?
%orro&er9s En$ironmental 4anagement Systems
#. 0ommitment. Is the potential borrowers top management committed to
environmental managementL
;. anpower. :as the potential borrower planned for manpower resources
to address environmental issuesL
(. >kills. If so, is the manpower skilled to address environmental issuesL
'. ?abor B social issues. Does the management adopt good practices vis2M2
vis occupational health @ safety and associated issues such as child labor,
forced labor, wage compensation, discrimination and working hoursL
6etermining o$erall En$##
7,lease highlight the categories of En$## based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;%A or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Cement Category: +ed
Sector specific En$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?
Waste&ater , E3P:
K Is there an <ffluent Treatment ,lant 7<T,8 to treat the wastewater
dischargesL
K Does the <T, design ensure that there is no bypass arrangementL
Soli' &aste:
K Are there responsible methods to dispose the solid waste B sludge from
the <T, been included in the designL
K :ave proper provisions been made for the management of solid waste 2
including clinker production waste and kiln dustL
8oise: :ave noise control measures been put in place in grinding,
handling and transportationL
4onitoring: Does environmental monitoring for continuous monitoring
e'uipment on all dust emission lines?
6etermining o$erall En$##
7,lease 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 ;%A 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;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Cemicals )fertili;ers<
pestici'es an' parmaceuticals0
Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/: Ha;ar'ous cemicals: Does the design provide for handling, storage
and transportation of haFardous chemicals in the manufacture of
fertiliFersL
.: Waste&ater , E3P:
K Is there an Effluent (reatment )lant (E()) to treat the wastewater
discharges in their design?
K Does the <T, design ensure that there is no bypass arrangementL
*: Soli' &aste:
K Are there responsible methods to dispose the solid waste B sludge from
the <T, been included in the designL
K Does the business activity include an approach towards handling and
disposal of spent catalyst B toCic metals, if anyL :ave provisions been
made for the management of these haFardous wastesL
?: Air emissions: %re air emission prevention and control measures in
place for ammonia, nitric o*ides and nitrous o*ides in nitrogenous
fertili+er manufacturing, and in utilities such as boilers?
@: 8oise: Are noise control measures in place for the large2siFed rotating
machinesL
-: 4onitoring: Does environmental monitoring include continuous
monitoring sstems of storm water for p,, fluoride & ammonia?
6etermining o$erall En$##
7,lease highlight the categories of En$## based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;%A or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: 6airy Category: "range A or "range B
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
$. Waste&ater , E3P:
K Is there an Effluent (reatment )lant (E()) to treat the -aste water
discharges in the design?
K Does the <T, design ensure that there is no bypass arrangementL
9. Solid waste: K Are there responsible methods to dispose the solid
waste B sludge from the <T, been included in the designL
K :ave proper provisions been made for the management of organic solid
waste in dairy processing facilitiesL
). Air emissions: Are air emission prevention and control measures
systems installed from the combustion of fuel in turbines, boilers,
compressors and other engines for power and heat generationL
#. Monitoring: :as environmental monitoring, particularly protection from
disease causing pathogens, been plannedL
6etermining o$erall En$##
7,lease highlight the categories of En$## based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;%A or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Engineering & %asic 4etal Category: "range2 B or +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars
Yes , 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?
.: Waste&ater , E3P:
:as an <T, for the cleaning and rinsing streams included in the DesignL
Does the <T, design ensure that there is no bypass arrangementL
*: Soli' &astes:
K Are there responsible methods to dispose the solid waste B sludge from the
<T, been included in the designL
K Is proper management of the different types of solid wastes been
undertakenL
?: 8oise: Are measures to control noise from the mechanical equipment
and physical activitiesL
@: Fire , eAplosions: :ave proper design provisions been made to prevent
fire and eCplosion haFards that may arise from operationsL
-: 4onitoring: Is environmental monitoring, particularly of the air emissions
7stack and fugitive8, proposed on a periodic B regular basisL
6etermining o$erall En$##
7,lease 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 ;%A 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;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Housing Category: -nclassified 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/: Se&age:
. ,as a sewage treatment plant (/()) of a si+e appropriate to the
re'uirements been included in the design? Is there a 0ustification
for the chosen si+e?
K Does the >T, design ensure that there is no bypass
arrangementL
.: 6ust: Does the proposed business activity have appropriate
measures to control the dust pollution during constructionL
*: 8oise: Are measures to control noise from the large
construction activitiesL
?: 6ebris: Are there measures to manage the construction
debrisL
@: 4onitoring:
Is environmental monitoring, particularly of the air emissions and
effluent discharges, proposed on a periodic B regular basisL
6etermining o$erall En$##
7,lease highlight the categories of En$## based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;%A or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Pestici'es Category: +ed 7As per EC#9=>8
Sector specific En$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
). Waste&ater , E3P: K Is there an Effluent (reatment )lant (E()) to
treat the -aste water discharges in the design?
K Does the <T, design ensure that there is no bypass arrangementL
#. Soli' &aste:
K Are there responsible methods to dispose the solid waste B sludge from
the <T, been included in the designL
K :as provision been made for the proper management of solid waste
7e.g. chemical residues and filtrates8 and liquid waste 7e.g. spent
solvents8L
;. Air emissions: Are proper air pollution control devices included to
tackle emissions during pesticide manufacturing, formulating and
packagingL
(. Fire , eAplosions: ,ave proper design provisions been made to
prevent fire and e*plosion ha+ards that ma arise from solvent use,
handling and storage?
'. 4onitoring: Is environmental monitoring, particularly the effluent
characteristics, proposed on a periodic B regular basisL
6etermining o$erall En$##
7,lease 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 ;%A 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;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Parmaceutical Category: "range2 B 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/: Ha;ar'ous cemicals: ,ave methods been included for the safe
storage and use of ha+ardous chemicals?
.: Waste&ater , E3P:
. Is there an Effluent (reatment )lant (E()) to treat the wastewater
discharges in the design?
Does the <T, design ensure that there is no bypass arrangementL
*:Soli' &aste:
K Are there responsible methods to dispose the solid waste B
sludge from the <T, been included in the designL
K Are there responsible methods to dispose off2specification drugs B
damaged medicinesL
?: Air emissions: ,ave methods to manage the ha+ardous air pollutants
(e.g. ben+ene and carbon tetrachloride and (oluene) and odorous
compounds (e.g. mercaptans)?
@: Genetic resources: :ave proper procedures been followed if there is the
use of particular genetic resources that have threats to biodiversityL
-: %ioetics: Are good bioethics management approaches been adopted if
genetically modified foods or related new areas of work are involvedL
>: 4onitoring: Is environmental monitoring, particularly of
the air emissions 7stack and fugitive8, proposed on a
,eriodic B regular basisL
6etermining o$erall En$##
7,lease highlight the categories of En$## based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;%A or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Poultry Category: "range A or "range B
Sector specific En$ironmental 6ue76iligence Cec(list
,articulars Nes B Go BGA
1. Avian influenza: Does the business activit ta"e ade'uate management
measures to protect from animal diseases / pathogens such as avian
influen+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 B >ludge from
the <T, been included in the designL
3. Wastewater / E!: K Is there an <ffluent Treatment ,lant 7<T,8 or
appropriate wastewater management processes to treat the wastewater
DischargesL
K Does the design ensure that there is no bypass arrangement for the <T,
or wastewater management processesL
#. "azardous #aterials: Are there adequate systems for the handling,
storage and transport of haFardous materialsL And,
is there adequate check to ensure only permissible haFardous materials are
in useL
;. Monitoring: ,as environmental monitoring, particularl protection from
disease causing pathogens, been planned?
6etermining o$erall En$##
7,lease 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 ;%A 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;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Pulp & Paper Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/: Waste&ater , E3P:
K ,as an E() of a si+e appropriate to the re'uirements been included in
the design? Is there a 0ustification for the chosen si+e?
K Does the <T, design ensure that there is no bypass arrangementL
.: Air emissions: Does the proposed business activity have appropriate
air pollution control equipment at the emissions points, particularly the
pulp processing and utilitiesL
*: Soli' &aste:
K Are there responsible methods to dispose the solid waste B sludge from
the <T, been included in the designL
K Are there measures to manage the large quantities of solid waste
7though non2haFardous8L
?: !'our:
%re measures for preventing and controlling odour been planned?
@: 8oise: Are measures to control noise from the large mechanical
equipment and physical activitiesL
-: 4onitoring: Is environmental monitoring, particularly of the effluents
characteristics, proposed on a periodic B regular basisL
6etermining o$erall En$##
7,lease highlight the categories of En$## based on measurement criteria8
4easurement Criteria En$##
If answers to any one of the italiciFed questions is 4Go5 :igh
If answers to all italiciFed questions is 4yes5 but ;%A or more of the non
italiciFed questions is 4Go5
:igh
If answers to all italiciFed questions is 4yes5 and if answers to more
than 9;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: Sugar & 6istilleries Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/: Waste&ater , 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 <T, design ensure that there is no bypass arrangementL
.: Soli' &astes:
K Are there responsible methods to dispose the solid waste B sludge from
the <T, been included in the designL
K :ave methods to store and dispose solid wastes 7generated from the
treatment of raw material8 been planned in the designL
*: Water: %re water consumption reduction approaches been adopted to
reduce the overall water inta"e?
?: Air emissions: Does the proposed business activity have appropriate
air pollution control equipment at the emissions points, particularly the
steam boilersL
@: !'our: Are measures for preventing and controlling odour been
plannedL
-: 4onitoring: Is environmental monitoring, particularly of the effluents
characteristics, proposed on a periodic B regular basisL
6etermining o$erall En$##
7,lease 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 ;%A 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;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Green Banking Cell
#is( 4anagement 5nit
%ranc: Client:
Sector: 3annery Category: +ed 7As per EC#9=>8
Sector specific En$ironmental 6ue76iligence Cec(list
Particulars Yes , 8o , 8A
/: Ha;ar'ous cemicals: Does the business activit include
appropriate ha+ardous chemicals management methods in
pretreatment, deing and other processes?
.: Waste&ater , E3P:
K Does the proposed business activity have its own <T,L
K Does the <T, design ensure that there is no bypass
arrangementL
K If it is to a 0ommon <T,, is this in working orderL
K Does the proposed business activity include a chrome recovery
unit in its designL
K Is the post2<T, treated wastewater discharged into a water
body from where water is drawn for other applicationsL
*: Soli' Wastes:
K Are there responsible methods to dispose the solid waste B
sludge from the <T, been included in the designL
K Is the management of solid wastes properly planned and
methods of disposal identifiedL
?: !'our: Are there methods to control the odour from leather
tanning as these constitute a nuisance to the surrounding
communityL
@: 4onitoring: Is environmental monitoring, particularly
0hromium OI, proposed on a periodic B regular basisL
6etermining o$erall En$##
7,lease highlight the categories of En$## 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 ;%A 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;A and less than ;%A of the remaining questions is 4Go5
oderate
If answers to all italiciFed questions is 4yes5 and if answers to less ?ow
Anne)ure