Internship Report On Green Banking Pract

Internship Report
On
Green Banking practice in Janata Bank Limited
Submitted To
Department of Finance,
Faculty of Business Studies,
Jagannath University.
Submitted By
Md. Mostain Billah
ID: B-130203083
Session: 2013-14
8th Batch
Supervised By
Md. Imran Hossain
Lecturer
Date of Submission: 27th May, 2018.

LETTER OF TRANSMITTAL
Date: 27th May 2018

Md. Imran Hossain
Lecturer
Faculty of Business Studies,
Jagannath University, Dhaka.
Subject: Submission of Internship Report.
Dear Sir,
It is a great pleasure and privilege to present the internship report title “Green Banking
practice in Janata Bank” which was assigned to me as a partial requirement for the
competition of Bachelor of Business Administration degree.
Throughout the study I have tried with the best of my capacity to accommodate as much
information and relevant issues as possible and tried to follow the instructions as you
have suggested. I tried my best to make this report as much informative as possible.
I am grateful to you for your guidance and kind cooperation at every step of my
endeavor on this report. I shall remain deeply grateful if you kindly take some pen to
go through the report and evaluate my performance.
Sincerely yours,
________________
Md. Mostain Billah
ID: B-130203083
Department of Finance
8th Batch
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Supervisor’s Certificate
Title of Report/ Thesis
Full title, including any subtitle
Qualification Name
BBA MBA MBA (Evening)
Course Title and Course Code
Student ID and Batch Name:
SUPERVISOR COMMENTS:
Not Acceptable Accurate Accurate & Depth & Breadth Depth & Breadth
KNOWLEDGE
Up-to-date (Current & Relevant)
Inadequate Regular Adequate & Substantial Critical

UNDERSTANDING Clear
RESEARCH Poor Regular Adequate Adequate with High Level

SKILLS Professionalism Competences
CRITICAL Poor Regular Adequate & Adequate with High Level

ANALYSIS Clear Professionalism Competences
Inadequate & Very Limited Limited to Key Generous Extensive

REFERENCING Irrelevant Texts &Sources
COMMUNICATE
Rare Irregular Regular Generous Highly
WITH
SUPERVISOR Satisfactory
General Comments
--------------------------------------
NAME OF SUPERVISOR
Md. Imran Hossain
Lecturer
Department of Finance
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Certificate of Internship
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Acknowledgement
I would like to express my gratitude to all the people that were involved both directly
and indirectly in the preparation of this report. I apologize to the people whose names
that I have not mentioned, and their contribution is highly appreciated by me.
At first, I would like to thank my academic supervisor Md. Imran Hossain, Lecturer,
Department of Finance, Jagannath University for guiding me and for giving me the
opportunity to initiate this report. More specifically, I would like to thank him for
imparting his time and wisdom.
I want to thank all the officials of Janata Bank Limited that were involved. I would
especially like to thank Md. Enayet Kabir, Manager (PO) and S.K.M Almamun, Senior
Officer, Janata Bank Ltd for giving me time and sharing their thoughts and insights
regarding their green banking activities and their bank as a whole. I would like to thank
them for giving me the required information to commence this report and for providing
the permission to do the required research work.
I also would like to give my gratitude to a very important person who has made it all
happen for me at Janata Bank Limited English Road Branch, Dhaka.
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Executive Summary
This report is prepared as part of practical orientation of BBA program where a

description of the Green Banking Green Banking practice in Janata Bank Limited
English Road Branch, Dhaka. I would like to say that, I made this internship report
focus on the “Green Banking practice in Janata Bank Limited English Road Branch”
and to know how they work in green banking in environment friendly sector and what
is their challenges and problems for adopting green banking policy. I had a wonderful
experience working for this internship report.
First part of this report is based on the introduction which includes topics introduction,
objective of the report, methodology of the report, limitation of the report. Basically, it
defines the way and background of the study to prepare the report and introduction to
Green Banking. Second part of the report is based on Challenges and problems of green
banking activities in Janata Bank Limited.
In the main part of the analysis of green banking activities in Janata Bank Limited.
Analysis part based on questionnaire. Its show that Mean, Standard deviation and Pie
chart based on answer of questionnaire. Later on, I have explained the internship
experience and learnings, theoretically explain the problems & prospects of green
banking activities and findings.
At the end of the report, some recommendation, conclusion, reference and appendix are
given which would be helpful for the proper understanding for the report.
In a brief, this report contains all the essential and possible information related to the
practice of green banking activities of Janata Bank Limited.
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Table of Contents
LETTER OF TRANSMITTAL ............................................................................................... i
Supervisor’s Certificate ........................................................................................................... ii
Certificate of Internship ......................................................................................................... iii
Acknowledgement ................................................................................................................... iv
Executive Summary ................................................................................................................. v
Chapter: 1 ................................................................................................................................. 1
Introduction .............................................................................................................................. 1
1.1 Origin of the report: ................................................................................................ 1
1.2 Objective of the study .............................................................................................. 1
1.3 Methodology ............................................................................................................. 2
1.4 Limitation of the study ............................................................................................ 3
Chapter: 02 ............................................................................................................................... 4
Introduction to Green Banking .............................................................................................. 4
2.1 Literature review of Green Banking: ........................................................................... 4
2.2 Some Green Banking slogans of Banks ........................................................................ 6
2.3 Green Banking Products ............................................................................................... 7
2.4 Method of Green Banking ............................................................................................. 8
2.5 Importance of green banking ........................................................................................ 9
2.6 Benefits of going Green ............................................................................................... 11
Chapter: 03 ............................................................................................................................. 12
Green Banking Initiatives ..................................................................................................... 12
3.1 Green Banking initiatives in Janata Bank Limited .................................................. 12
3.2 Green Banking Objective of Janata Bank Limited ................................................... 14
3.3 Some Banks Green Banking Initiatives ..................................................................... 15
3.4 Green Banking Adoption policy in Janata Bank Limited:....................................... 18
3.4.1 Management of In-house Environment .............................................................. 18

3.4.2 Disclosure of Green Banking Activities .............................................................. 18
3.4.3 Outlook towards Green Banking ......................................................................... 19
3.4.4 Green Financing .................................................................................................... 19
3.4.5 Online Banking: .................................................................................................... 20
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3.4.6 Green Marketing ................................................................................................... 20
3.4.7 Green Awareness and Training ........................................................................... 20
3.4.8 Creation of Climate Risk Fund/CSR Activities .................................................. 20
3.5 Green Banking Challenges in JBL as well as Bangladesh........................................ 20
Chapter: 04 ............................................................................................................................. 23
Analysis ................................................................................................................................... 23
Analysis of Statement: 01 .................................................................................................. 23
Analysis of Statement: 11 ................................................................................................... 29
Findings and Recommendation ............................................................................................ 33

5.1 Findings......................................................................................................................... 33
5.2 Recommendation.......................................................................................................... 34
References: ............................................................................................................................. 36
Appendix: ............................................................................................................................... 37
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Chapter: 1
Introduction
1.1 Origin of the report:
Bachelor of Business Administration (BBA) is a 4 (four) year course which is designed

with an excellent combination of theoretical and practical aspects. In the last year of the
course a BBA student has to work in an organization for the practical knowledge for
achieving the BBA degree. This time period is known as internship period. Internship
helps a student to relate all the theoretical knowledge to the practical work which was
obtained during the 4 (four) year course.
I was assigned to Janata Bank Limited, English Road Branch, Dhaka for my internship
program. I joined Janata Bank Limited, English Road Branch, Dhaka on 20 March,
2017 for completing my internship program.
Students are required to prepare an internship report under the supervision of a teacher
on a selected topic. The topic for my internship report is “Green Banking in Janata Bank
Limited”. With the help of my supervision and the staff of the organization I tried my
level best to make a presentable report which will highlight the practical knowledge I
had throughout my internship period.
1.2 Objective of the study:
Broad/General Objective:
The main objective of this study is to know and have a clear view of Problems and
Prospects of Green Banking Activities in Bangladesh
Specific Objectives:
Along with the broad objective, some other specific objectives are also defined below:
 To know the basic concept about Green Banking.

 To know the present condition of Green Banking Activities in Bangladesh.
 To evaluate the Green Banking performance of banks in Bangladesh.
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 To find the historical evolution of Green Banking
 To know the objectives of Green Banking.
 To have knowledge about policy standard set by the Bangladesh Bank for the
application of Green Banking.
 To identify the major areas of efficiency or inefficiency of the banks regarding
Green Banking initiative.
 To identify the problems and prospects of green banking activities in JBL and
Bangladesh.
1.3 Methodology:
For preparing the report I have used two different sources. They are:
• Primary Source:
 Interview with the officers,

 Personal observation.
• Secondary Sources:
 Internet and various study selected reports,

 Different publications of Bangladesh bank,
 Green Banking Policy of Bangladesh Bank,
 Research paper, Newspaper and Journals,
 Journals and relevant books,
 Various documents on Green Banking,
 Annual reports of Janata Bank Limited,
 Green Banking Reports of Bangladesh Bank,
 Websites,
 Organizational Brochures,
 Other relevant written materials.
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1.4 Limitation of the study:
Numerous problems have been encountered during the accomplishment of the study.
These problems may be termed as limitations of the study, specified as follows:
 Time frame for the research was very limited.

 Green banking Initiatives is a new topic in Bangladesh. Phase-II is just going on
to the banking industry.
 Implementation time of following Green Banking by all scheduled banks is not
over yet. That’s why information is not available of the banks.
 Green banking initiatives of other banks are little that’s why good comparison of
bank to bank is not possible.
 Unavailability of written documents as required for making a comprehensive
study.
 Some supportive materials were not available during the completion of my report
i.e. concrete data/statistics on Green Banking in Bangladesh, Green Banking
policies of some banks etc.
 All banks are not published their green banking report.
During completion of this report, essential and up to date information was not possible
to be gathered. To me, if it were possible, a full fledge and comprehensive report could
have possibly been.
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Chapter: 02
Introduction to Green Banking
Green Banking is not a separate bank. The term Green Banking is popular world-wide
now-a-days. It is for refraining the environmental deterioration and making this planet
habitable. Global warming and climate change are now having direct impact on
biodiversity, agriculture, forestry, dry land, water resources and human health.
Bangladesh is one of the most vulnerable countries facing the impacts of climate change
and therefore, has the concern in the environmental degradation. Bangladesh is a
country suffering from immense social, political, economic and environmental issues
and these issues need to be addressed for overall development of this country.
The concept of Green Banking developed in the western countries has been replicated
by many developing countries. It means the eco-friendly or environment-friendly
banking and it also refers to ethical banking or sustainable banking. Banking industry
is generally not considered as polluting industry. But it impacts the environment in
terms of increasing energy consumption (lighting, air conditioning), paper
consumption. Banks and financial institutions can play a major role in global efforts to
mitigate environmental risk and make this planet a better place to live. Environmental
impact of banks is not physically related to their banking activities but with the
customer’s activities. Green banking is an umbrella term which refers to those practices
and guidelines that make banks environmentally, economically and socially
responsible.
Therefore, the banking sector can play an intermediary role between economic
development and environmental protection, for promoting environmentally sustainable
and socially responsible investment.
2.1 Literature review of Green Banking:
Green banking in generally refers to the efforts of the Banking sector to keep the
environment green and to minimize greenhouse effects through rationalizing their
strategies, policy, decisions and activities pertaining to banking services ,business and
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in-house operational activities. Green banking is seen as a component of the global
initiative from bank end to save environment.
On the other hand, Green banking is defined as promoting environment-friendly

banking to stop environmental deterioration to make this world more habitable. Green
Banking mainly focuses on two prolonged approaches. First, it takes emphasis on green
revolution of internal operations of all banks, meaning all bank should adopt proper
ways of consuming renewable energy, digitalization and other measures to minimize
carbon mark from banking sectors. Secondly, all banks should adopt financing in an
environment-friendly way. The main objective of green banking is to minimize filth
and give importance to environment and society. This paper analyzes the various
problems and the prospects on the topic. Green banking practices will be useful not
only for environment but also lead to cost reductions on banking activities. It means
that banking business should be conducted in such areas and in such a manner which
would help in overall reduction of external carbon-emission and internal carbon
footprint.
Atiur Rahman (2010) in his paper focused on the present monetary and credit policy
of Bangladesh Bank towards attaining broader financial enclosure. Bangladesh Bank is
carry forwarding with technology driven, innovative, environment and low cost
banking approach; conveying a qualitative change in banking, preparation of monetary
policy, application of advanced banking technology, and use of Information and
Communication Technology (ICT) to extend financial services to the door step of
common people. To ensure access to financial services for all, various initiatives have
been taken like trade finance; digitalization of the financial sector; channeling liquidity
into productive and supply augmenting investments including agriculture, SMEs,
Green Banking and CSR activities; expected to lead to more broad-based inclusive
growth and therefore lessen poverty; required for pushing the country on course to the
targeted vision of digital Bangladesh by 2021; the year of Golden Jubilee of their
independence.
Alice Mani (2011) indicated that as Socially Responsible Corporate Citizens (SRCC),
banks have a major role and responsibility in enhancement of governmental efforts
towards substantial reduction in carbon emission. Banks can practice and initiatives of
Green Banking for sustainable development. The author examined and compared the
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green lending policies by banks in India in the light of their compliance and
commitment to environment protection and environment friendly projects.
Green Banking Policy of BASIC Bank Limited, Bangladesh (2011) was go

forwarded in response to increasing consciousness over climate change, environmental
degradation, need for urgent measures for sustainable development to be addressed by
some of the stakeholders in the world. Banking system holds a unique position in an
economy that can affect production, business and other economic activities through
their procedure for financing activities which would in turn contribute to protect
environment/climate from pollution. Moreover, efficiency in energy use, water
consumption and waste reduction may significantly contribute for operating cost for
many of the large banks of the country.
Mohmed Aminul Islam (2010) showed in his report that green Banking is also
significant issue in recent times. While the banking industry is undergoing
computerization, networking and offering of on-line banking is naturally gaining
momentum development in this sector.
Suresh Chandra Bihari (2011) elucidated that Green Banking includes promoting
corporate social responsibility (CSR). It starts with the aim of protecting the
environment where banks consider before financing a project whether it is environment
friendly and has any implications for the future. A company will be given a loan only
when all the environmental safety standards are followed. Green Banking can be
efficiently implemented through the use of technology and policy, he emphasized.
2.2 Some Green Banking slogans of Banks:
a) Save paper, save trees,
b) Conserve energy, conserve natural resources,
c) Pay your bills online,
d) Turn off the tap when not needed,
e) Always use a cloth bag,
f) Reduce, reuse and recycle,
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g) Digitize yourself,
h) Think before you press the button,
i) Everything has two sides,
j) Be paperless-kick the habit,
k) Unplug electronic devices while not in use.
2.3 Green Banking Products:
Green Banking product and service review is divided into the following banking
sectors:
 Retail Banking
 Corporate & Investment Banking
 Asset Management
 Insurance
Retail Banking:
a) Green Mortgage
b) Green home equity loans
c) Green commercial Building loans
d) Green car loans
e) Green cards
Corporate & Investment Banking:
a) Green products finance
b) Green securitization
c) Green venture capital and private equity
d) Green Indices
e) Carbon commodities
Asset Management:
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a) Green fiscal funds
b) Green Investment funds
c) Carbon funds
Insurance:
a) Green Insurance
b) Carbon Insurance
2.4 Method of Green Banking:
 Go Online: Online banking is a developing concept; it helps in conservation of

natural resources. It saves paper, energy and expenditure of natural resources. It
also helps customers to save money by avoiding late payments and also save their
time.
 Use of Green Checking Accounts: Customers can check their accounts on ATM.
They can avail services including online payment, debit cards and online
statements.
 Use of Green Credit Card: Some of banks use green credit cards; by using it the
banks will donate funds to an environment friendly non-profit organization.
 Saving of Paper: Banks should purchase recycled paper products with highest post-
customer waste content. This includes monthly statements, ATM receipts, annual
reports, envelopes etc.
 Mobile Banking: By using it customer can check balances, transfer funds or pay
bills from the phone. It also helps to save time and energy of the customers.
 Direct Deposits: Most employers will give employees the option tom receive their
paycheck electronically. It saves time, saves paper and lots of paper work.
 Online (Net) Banking: It means customers can perform most of their banking
related functions without visiting the banks personally. For this customer must
possess an internet banking ID, a password provided by the bank in which customer
has an account. Online banking includes use of credit cards, debit cards, online bill
payment and electronic fund transfer.
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 Power Saving Equipment: Bank can directly contribute to controlling climate
change and as an initial step they intend to start a campaign to replace all fused GSL
bulbs, in all owned premises offices and residential areas. Banks can also make a
feasibility study to make rain water harvesting mandatory in all the banks owned
premises.
 Use of Solar and Wind Energy: Using solar and wind energy is one of the noble
cause for going green. Bangladesh Bank has become the first bank in the country to
venture into generation of green power by installing windmills for captive use.
2.5 Importance of green banking:
Because of unusual weather pattern, global warming, climate change, rising greenhouse
gas, decreasing air quality etc., Businesses should come forward to taking responsibility
in protecting the environment. Green Banking creates contribution to the alteration to
resource-efficient and low carbon industries i.e. green industry and green economy in
general. Banks that were once seen only as profit motive institutions have been
adjusting to a more demanding market and a more socially aware society over the last
two decades. Environmental concern is at the edge of the green banking strategy. An
increasing number of global banks around the world are going green by launching
environmental friendly initiatives and providing innovative green products. Banking
and finance is one of the areas that can do anything about, but there's a surprising
amount that you can do to ensure that your money and finances are being managed in
a green, ethical way. It is possible to know whether the selected bank operates as a
carbon neutral business. Green banking is very important in mitigating the following
risks involving the banking sector:
1. Credit Risk: Due to climate change and global warming, there have been direct as
well as indirect costs to banks. It has been observed that due to global warming, there
have been extreme weather conditions which affect the economic assets financed by
the banks, thus leading to high incidence of credit default. Credit risk
can also arise indirectly when banks lead to companies whose businesses are adversely
affected due to changes in environmental regulation.
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2. Legal risk: Banks, like other business entities, face legal risk if they do not comply
with relevant environmental regulation. They may also face risk of direct lender liability
for cleanup costs or claims for damages in case they actually take possession of
pollution causing assets.
3. Reputation Risk: Due to increasing environmental awareness, banks are more prone
to reputation risk, if their direct or indirect actions are viewed as socially and
environmentally damaging. Reputation risks emerge from the financing of
environmentally objectionable projects.
4. Direct Risk: This risk can occur when a bank/FI exercises operational control over
a borrower’s business or in some cases where a bank/FI takes possession of
contaminated land held as security. In such cases, the bank/FI may not only lose its
original advance, but may also be forced to meet substantial clean-up costs.
5. Indirect Risk: This risk incurred by the bank/FI due to borrower’s inability to repay
because of environmental or climate change reasons. As Bangladesh strengthens
enforcement of environmental regulations and public interest groups grow, pressure
increases on business to minimize their environmental impacts. This may increase
companies’ capital and operating costs in order to comply with environmental
regulations. This can have an effect on the borrower’s cash flow and consequently in
the borrower’s ability to repay. Alternatively, climate change induced events, e.g.
cyclones, may impact business activities that may result in affecting the borrower’s
ability to repay.
6. Business/Industry Risk: Changing environmental conditions and/or requirements

may impact the borrower’s capacity to meet the obligation to repay. This is an indirect
risk.
7. Management Risk: Poor management may result in closures and community

protests that can adversely impact the business and the borrower’s capacity to repay.
This is an indirect risk.
8. Security/Collateral Risk: Risk that the bank/FI might be exposed due to poor
quality of the security/collateral, e.g. contaminated land or disposal of hazardous
chemicals, in case of a default. This is a direct risk.
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9. Identifying Risks: At the time of identifying the financing, all environmental issues
relevant. To the proposed business activity needs to be determined. Of these, there may
become issues that can pose environmental risks. This need to be identified.
10. Rating Risks: Once the environmental risks are identified, these need to be
evaluated. The evaluating or rating of risks is generally done using simple methods that
estimate risk as a product of the likelihood/probability and the impact of the negative
consequence.
11. Mitigating Risks: Once the risks are evaluated or rated, mitigation of these
environmental risks need to be planned in the design and/or plans of the proposed
business activity. It is only after assurance that these risks can be mitigated should the
banks/FIs proceed further with the financing process.
12. Monitoring and Controlling Risks: During the implementation, the banks/FIs
should monitor these environmental risks as a part of its credit monitoring. The outcome
of this monitoring should feedback to tighten controls of these risk.
2.6 Benefits of going Green:
Green banking offers the following benefits:
 Green banking avoids paper work and makes use of online transactions such as
Internet banking, SMS banking and ATM banking. Less paper work means less
cutting of trees.
 Green ethical banks adopt environmental standards for lending which would benefit
future generations.
 Green banks give more importance to environmental friendly factors like ecological
gains thus interest on loan is comparatively less.
 Free electronic bill payment services.
 Online account opening form for opening green account.
 Cash back will be credited to all new customers, opening “green accounts”.
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Chapter: 03
Green Banking Initiatives
3.1 Green Banking initiatives in Janata Bank Limited:
To protect environment pollution JBL has been adopted and implemented regulatory
legislation. In this regard JBL has done the following:
 Formulation of Green Banking Policy: Giving importance of environment

protection the Board of Directors of JBL has approved a Green Banking Policy
outlined in line with BRPD Circular 02/2011 of Bangladesh Bank. The policy has
now been implemented in lending and internal environment management
 Green Banking Committee: Our Risk Management Committee acts as the Green
Banking Committee. The Committee evaluates and recommends environment
friendly banking policy, strategy and activities to the Board for approval on
annual basis.
 Green Banking Unit: We have a Green Banking Unit which is working under
the Green Banking Committee headed by a Deputy Managing Director.
The role, duties and responsibilities of the Unit are:
• Formulation and evaluation of environment friendly banking policy;
• Monitoring and supervision of Green Banking operations;
• Reporting Green Banking activities to the management, Green Banking
Committee and central bank on quarterly basis.
 Separate Desk for Green Banking Activities: A green banking desk is in place
under the Risk Management Division to perform all green banking initiatives and
coordinates the green finance activities, green reporting etc.
 Budget Allocation: We are aware of environmental degradation and so are giving
priority in green finance. Our budget in this sector was BDT 5000 million in 2016
which will be 4100 million in 2017.
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(BDT in million)
Year Budget
2017 4,100.00
2016 5,420.00
2015 5,000.00
2014 2,467.00
2013 2,380.00
Source: Bangladesh Bank quarterly basis banking report-2017
 Green Financing: We have given preference to eco-friendly business activities

and energy efficient industries. Environmental infrastructure such as renewable
energy project, clean water supply project, Effluent Treatment Plant (ETP) and
projects with ETP, solid & hazardous waste disposal plant, bio-gas plant, bio-
fertilizer plant, brick fields having Hybrid Holfman Kiln (HHK) technology are
encouraged as a part of green financing practices. We are also financing in various
eco-friendly projects under re-financing scheme of Bangladesh Bank at a
subsidized rate of interest that includes:
 Loan to 333 solar panels
 Loan to 33 bio-fertilizer plants
 Loan to 45 biogas plants
 Loan to 15 HHK brick fields
 Loan to 46 Vermi composed fertilizer project
 Finance in Zig zag brick fields
 Online Banking: At present all of 910 branches are computerized. JBL has
drafted an action plan to launch online banking service in all the branches by 2017
to comply with the Government’s ‘Digital Bangladesh’ strategy. For performing
online banking, the bank has launched Real time Online Banking activities by the
real time centralized online Core Banking System (CBS) software TEMENOS-
24 (T24) in 721 branches in 2016. We have installed 41 ATM booths and shared
4,800 ATM of other banks across the country.
 Green Marketing: It is marketing of products and services based on
environmental factors or awareness. Presently we are advertising our products/
brand, notice, circular etc. through internet/ electronic media.
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 Green Awareness and Training: Employee awareness and training on
environmental and social risk are much essential for green banking campaign.
JBL Staff College is continuously organizing training courses on Green Banking
to train up executives/officers. Credit departments are assigned for developing
knowledge/awareness among the consumers and clients on environmental
degradation and green banking.
 Creation of Climate Risk Fund/CSR Activities: We have created a fund as part
of our CSR activities to finance in the economic activities of the flood, cyclone,
ayela and drought affected areas at a lower rate of interest/without interest.
3.2 Green Banking Objective of Janata Bank Limited:
The core objective of green banking is to ensure customer services, finance, protection
of internal environment of management through adoption and compliance of
environment friendly banking policy.
Other objectives are –
 Playing direct role for protection of environmental pollution at national and

international level through adoption of environment friendly banking policy.
 Encouraging project finance in environment friendly projects and discouraging
the projects detrimental to good environment.
 Adoption of Social commitment and ethics consciousness based banking policy.
 Ensure the optimum use of gas, water, electricity, office-stationery, etc.
 Increasing the use of on-line communication, on-line customer service, ATM,
etc.
 Protection of forest resources through optimum use of paper and toner.
 Increase environment friendly activities in customer service, financing, internal
environment of management, i.e growth in on-line customer service, ATM, etc.
 Development of environment consciousness among bankers and customers.
 Priorities the environment friendly and energy saving technology in official
procurement.
 Provide sponsorship for the development of public consciousness through
encourages the environment friendly activities.
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 Publishing and communicating memo, circular, statement through web mail /
web site without normal printing.
3.3 Some Banks Green Banking Initiatives:
1. BASIC BANK:
 Formed a Green Banking Policy Implementation & CSR Unit (GBPICSRU) of 12

(Twelve) Officials headed by one Deputy Managing Director and the unit is acting
to implement Green Banking activities in the Bank.
 Formulated a Green Banking Policy of BASIC Bank limited duly approved by its
Board of Directors which has been circulated to all Branches & Divisions of Head
Office.
 Issued necessary circulars to implement In-house Environmental Management by
all of its offices.
 Allocated considerable amount of Fund for green Banking, Green Marketing &
capacity Building.
 Approved sizable Budgetary Provision for Climate Risk Fund for the Year 2013
 Approximately 500 (Five Hundred) Officers were trained till date on this subject in
their foundation training Course.
 Regularly reporting the progress of implementation of Green Banking Activities to
Bangladesh Bank on quarterly basis
 Bank has opened a separate Web Page for disclosing latest progress of its
implementation on regular basis.
 All of its Branches including Head Office are operating fully under online banking
systems.
 Steps are being taken to introduce green marketing which incorporate a broad range
of activities, including a product modification, change of the production process,
packaging change as well as modifying advertising etc.
2. DBBL
 An independent Green Banking Policy & Strategy of DBBL has been established
for every individual of the Bank working in front and back office to make socially
responsible behavior for the greater interest of the country and planet as whole.
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Bank views that a Green Bank is an ethical bank or a sustainable Bank. The broad
objective of green bank is to use resources with responsibility avoiding spoilage
and giving priority to environment and society.
 A separate dedicated team of Green Banking Cell has been formed consisting of 06
(six) officials
 A Green Office Guide covering set of general instructions have been circulated
among the Divisions and Branches for meticulous compliance of the instructions
contained and directed towards efficient use of resources, technologies and energy
as well as reduction of wastages.
 A separate fund for an amount of Tk.5.00 million has been approved for creation of
a Climate Change Risk Fund which to be disbursed in the environmentally
vulnerable areas in case of emergency as a part of Bank's CSR expenses.
 DBBL has the largest on-line banking network and extensively using its on-line
facilities which has meantime received an extreme recognition in the country. It has
brought user-friendly state-of-threat technologies for the masses, offering variety of
product supports at a minimum cost and fostering fastest customer services through
its professional expertise.
 Meantime, 5 branches of DBBL have been partially powered with SHS as an
alternative source of energy. At corporate level, DBBL has a network with valuable
exporters of the country and adequate finances have been extended especially in the
garments and textile industries supported with ETP.
3. IFIC
 Bank will be increased Green Investment for projects installing solar energy plant,
bio-gas, and/or other renewable energy plants, bio-fertilizer plants, Effluent
Treatment Plant (ETP), Hybrid Hoffman Kiln projects for the production of brick
etc. at lower interest and utmost care.
 Bank will finance the economic activities of the flood, cyclone and drought prone
areas at the regular interest rate without charging additional risk premium.
 Now days Alternative Delivery Channel (ATM, Debit / Credit Card, Online
Banking, BACPS, BEFTN, Mobile Banking) are ensuring modern banking
facilities. Bank will enhance more services through Alternative Delivery Channel.
 More Green Products will be introduced in the near future.
16 | P a g e
4. SIBL
 Finance for Farmers named as “Krishan”: This facility will be allowed to farmer for
purchasing highly productive seeds, fertilizer (green and environmentally friendly)
and arranging irrigation.
 Finance for farmer for tree plantation named as “Shobujayon”: This facility will be
allowed for plantation in vacant lands that are not used for crops.
 Finance for handicraft and jute products names as “Kutir”: This facility will be
allowed for entrepreneurs for handicraft and jute products made out of natural
material that will replace plastic and polythene products which are not disposable
to the environment.
 Finance for re-cycle industry named as “Rupantor”: This facility will be allowed
for entrepreneurs of recycle industry made out of waste goods such as used paper,
wood, glass, tin-pots, plastic bottles to make the environment clean and waste-
management.
 Finance for solar-panel named as “Shobuj-Shokti”: This facility will be allowed for
house-holds, industries and business places for use of solar panel within the city
and the rural off-grid areas to reduce of electricity.
 Finance for industries names as “Shobuj Shilpo”: This facility will be allowed to
the industries that are having waste management plant/arrangement and those that
are not involved with any activities against environment.
 Finance for ETP plants names as “Shobuj poribesh”: This facility will be allowed
for installing ETP plants that makes the environment clean and green.
 Finance for smokeless brick making technology: This facility will be allowed to the
Brick fields that are using smokeless brick making technology (ZIG-ZAG) to
replace the old traditional method to reduce carbon emission.
 Finance for new technologies for manufacturing alternative burner/cooker and fuel:
Micro finance will be allowed to the Bio-gas plants, manufacturer of alternative
cooker and fuel out of used coal and husk to be used in lieu of fire-wood that will
save the trees.
17 | P a g e
3.4 Green Banking Adoption policy in Janata Bank Limited:
3.4.1 Management of In-house Environment

JBL has taken a number of initiatives for in-house environment management. The
following initiatives are taken in this regard:
 A 'Green Office Guide' has circulated to the employees for implementation;

 Measures have taken to save electricity, water and paper consumption;
 Applying eco-font in printing to reduce ink and paper.
 Use of scrap paper for drafting.
 Installation of printers having both sides printing option to lessen use of paper.
 Introduction of Real Time Gross Settlement (RTGS) in all branches
 Introduction of Bangladesh Electronic Fund Transfer Network (BEFTN) to
reduce dependency on paper based transaction.
 Installation of online MIS software for data collection, analysis and
management reporting.
 Installation of Personal Management Information System (PMIS) software for
Human Resources Management.
 Introduction of online banking in all of its 910 branches.
 Introduction of web-mail system for paperless communication
 Use of energy saving bulbs instead of normal bulbs in branches/offices of the
bank.
3.4.2 Disclosure of Green Banking Activities
We have started publishing green banking and sustainability reports in our quarterly
bulletin. Initiatives/ steps/projects that have taken as part of environment friendly
activities are also disclosed in our website and annual report.
 We have complied of the following issues required for green banking policy:
 Own green banking policy Green Banking Committee and Green Banking Unit
 Budget allocation for green finance.
 Incorporation of Environmental Risk in the Credit Risk Management
 In-house environment protection initiatives
 Introduction of green guide
 Introduction of green product
 Introduction of green marketing
18 | P a g e
 Online banking
 Employee training and consumer awareness
 Green strategic plan
 Disclosure and reporting of Green Banking.
3.4.3 Outlook towards Green Banking

JBL has the following future plan to minimize environmental risk and achieve
maximum benefit from its eco-friendly investment:
 Focused on socially responsible investment;

 Designed to aid environmentally conscious businesses and consumers through
better loan rates and other incentives;
 Planned to increase sustainable green finance;
 Future plan to set up “Green Branch”;
 Installation of Solar Panels in branch offices;
 Green Finance in 50 products under Bangladesh Bank re-financing scheme.
 Introduction of Real Time Online banking in all of 910 branches within 2017.
 Arrangement of Training/Workshop to create awareness among the stake-
holders.
 To manage environmental risk, the bank will design a proper environmental
management systems.
3.4.4 Green Financing:
We have given preference to eco-friendly business activities and energy efficient
industries. Environmental infrastructure such as renewable energy project, clean water
supply project, Effluent Treatment Plant (ETP) and projects with ETP, solid &
hazardous waste disposal plant, bio-gas plant, bio-fertilizer plant, brick fields having
Hybrid Holfman Kiln (HHK) technology are encouraged as a part of green financing
practices. We are also financing in various eco-friendly projects under re-financing
scheme of Bangladesh Bank at a subsidized rate of interest that includes:
 Loan to 333 solar panels
 Loan to 33 bio-fertilizer plants
 Loan to 45 biogas plants
 Loan to 15 HHK brick fields
19 | P a g e
 Loan to 46 Vermi composed fertilizer project
 Finance in Zig zag brick fields
3.4.5 Online Banking:

At present all of 910 branches are computerized. JBL has drafted an action plan to
launch online banking service in all the branches by 2017 to comply with the
Government’s ‘Digital Bangladesh’ strategy. For performing online banking, the bank
has launched Real time Online Banking activities by the real time centralized online
Core Banking System (CBS) software TEMENOS-24 (T24) in 721 branches in 2016.
We have installed 41 ATM booths and shared 4,800 ATM of other banks across the
country.
3.4.6 Green Marketing

It is marketing of products and services based on environmental factors or awareness.
Presently we are advertising our products/ brand, notice, circular etc. through internet/
electronic media.
3.4.7 Green Awareness and Training:
Employee awareness and training on environmental and social risk are much essential
for green banking campaign. JBL Staff College is continuously organizing training
courses on Green Banking to train up executives/officers. Credit departments are
assigned for developing knowledge/awareness among the consumers and clients on
environmental degradation and green banking.
3.4.8 Creation of Climate Risk Fund/CSR Activities:

We have created a fund as part of our CSR activities to finance in the economic
activities of the flood, cyclone, ayela and drought affected areas at a lower rate of
interest/without interest.
3.5 Green Banking Challenges in JBL as well as Bangladesh:
 Coordination among all the concerned authorities for a green economy.

 Speeding up proper awareness and effective capacity building. Awareness and
Capacity building is a must for the Board of Directors/Competent
20 | P a g e
authority/Management in all levels/dealing officials of the banks/financial
institutions and clients as well.
 Immediate concentration on sect oral lending policies and procedures.
 Need for applying a quantitative approach for a more justified rating.
Environmental Risk Rating is now on the basis of the Environmental Due
Diligence (EDD)
 Shifting of different categories of industry (such as, Garments, Textiles, and
Tannery) to a proper location
 It’s a new concept and customer will take time to adopt this.
 Green banking requires a technology which will highly costly.
 It requires renewable and recycling technique which is costly.
 Data protection is another challenge for the adoption of green banking.
 Bank employees need training for all this practice.
3.6 Green Banking Problems in JBL as well as Bangladesh
a) Matter of Diversification:
Green banks limit their business exchanges to those business substances who qualify
screening procedure done by green banks. With set number of clients, they will have a
littler base to support them. In the event that they center their credits on specific
commercial ventures, they open themselves up to being a great deal more powerless
against monetary movements.
b) Startup:
Numerous banks in green business are new and are in start-up face. Generally, it takes
3 to 4 years for a bank to begin making money but it does not help banks during
inflation.
c) Higher Operating Cost:
Green banks require specialized talented, skills and experienced staff to provide proper
services to customers. Employees like experienced loan officers are needed with
additional background and experience in dealing with green businesses and customers.
21 | P a g e
d) Reputational Risk:
If banks are involved in big projects which are damaging the environment they are
likely to loss of their reputations. In the financing of ecologically and ethically
questionable projects reputation risks are involved. There are also few cases where
environmental management system has resulted in cost saving, increase in bond value.
e) Credit Risk:
Credit risks arise because of proposing to those clients whose organizations are
influenced by the expense of pollution, changes in environmental principles and new
requirements on productions levels. It is higher because of probability of customer
default as an effect of uncalculated costs for capital interest underway facilities, loss of
market share and third-party claims.
f) Lack of awareness:
There is a severe lack of awareness and concept of green banking. Most employees of
different sections/departments and of levels in different banks failed to interpret what
green banking actually means and do not realize its importance, nature of such practices
and their implications. Also, the clients/customers of many banks were found confused
about the concept and lack awareness.
g) Too New an Idea to Implement Fast:
The employees and management studied have reported that they perceive green banking
as a completely new concept and therefore more time is needed to be familiar with and
conversant in the concept and adopt it in practice. More time is needed to understand
the impacts of green banking and therefore to adopt it properly in practices for a
sustainable future of the economy.
h) Less Priority by the Board and Management:
Officers in charge of green banking activities in a number of banks have reported that
the top management is reluctant in green banking and they do not concentrate on, even
put a very low priority. The Bank executives are busy with other regular operations and
usually avoid spending time and energy in complying with the GBG activities put
forward by Bangladesh Bank.
22 | P a g e
Chapter: 04
Analysis
All statements parameter is:
1-Strongly 2-Disagree 3-Uncertain 4-Agree 5-Strongly

disagree agree
Analysis of Statement: 01
Statement Mean S.D 1 2 3 4 5
Janata bank Ltd. provides training and 4.14 1.03 1 4 5 17 23
education to the staff on environmental
protection, energy saving, and etc.
Pie Chart of Statement: 01
2% 1-Strongly disagree
8%
10% 2-Disagree
46% 3-Uncertain
34% 4-Agree
5-Strongly agree
Interpretation: The chart shows that, 2% people strongly disagree, 8% people

disagree, 10% people uncertain, 34% people agree and 46% people strongly agree on
the statement 01. When it’s mean 4.14 and standard deviation 1.03.
Janata bank Ltd. has environmental (green) 3.78 0.97 1 5 9 24 11
performance evaluation practices
(environmental sustainability measures, energy
23 | P a g e
saving measures and calculation of carbon
footprint).
Pie Chart of Statement:02

22% 10% 2-Disagree
18%
3-Uncertain
4-Agree
48%
5-Strongly agree
Janata bank Ltd. Green banking give more 3.62 0.85 1 3 16 24 6
importance to environmental friendly factors
like ecological gains thus interest on loan is
comparatively less.

2%
1-Strongly disagree
12%
6% 2-Disagree
32% 3-Uncertain
48% 4-Agree
5-Strongly agree

24 | P a g e
Janata bank Ltd. has initiatives to reduce paper 3.7 0.89 0 7 8 28 7
usage and other wastage of materials
14%14%
2-Disagree
16% 3-Uncertain
4-Agree
56%
5-Strongly agree
Janata bank Ltd. has introduced energy 3.52 1.05 1 9 12 19 9
efficient equipment, system solutions and
practices (ATMs, LED lighting, SWIFT
transfer, and etc.).
18% 18%
2-Disagree
3-Uncertain
24%
38% 4-Agree
5-Strongly agree
25 | P a g e
Janata bank Ltd. uses e-waste management 3.76 0.89 0 5 12 23 10
practices.
20%
10% 2-Disagree
24% 3-Uncertain
4-Agree
46%
5-Strongly agree
Janata bank Ltd. has environmental friendly 3.9 0.89 0 4 10 23 13
banking practices (e-mail, intranet, e-
statements, online approval system, and etc.).
26 | P a g e
Pie Chart of tatement: 07
8%
26% 2-Disagree
20%
3-Uncertain
4-Agree
46%
5-Strongly agree

Janata bank Ltd. provides loan to 3.86 0.99 1 5 7 24 13
environmental protection and energy saving
related projects.
10%
26% 2-Disagree
14%
3-Uncertain
4-Agree
48%
5-Strongly agree
27 | P a g e
Janata bank Ltd. implements certain 4 0.90 1 3 5 27 14
independent and unique green initiatives,
projects, and etc. (e.g. tree planting).
28% 6% 10% 2-Disagree

3-Uncertain
4-Agree
54%
5-Strongly agree

the statement 09. When it’s mean 4 and standard deviation 0.90.
Janata bank Ltd. promotes and facilitates 3.7 1.02 1 7 8 24 10
environmental oriented enterprises through
special grants, loans and guidance.
20% 14%
2-Disagree
16% 3-Uncertain
4-Agree
48%
5-Strongly agree
28 | P a g e
Janata bank Ltd. uses social and environmental 3.68 1.06 1 7 11 19 12
management system or any other mechanisms
to evaluate all credit proposals.
24% 14% 2-Disagree
22% 3-Uncertain
4-Agree
38%
5-Strongly agree
Janata bank Ltd. involves in setting up green 3.68 0.87 0 6 11 26 7
branches (energy efficient buildings/green
buildings).
14%
12%
2-Disagree
22% 3-Uncertain
52% 4-Agree
5-Strongly agree
29 | P a g e
Janata bank Ltd. has environmental (green) 3.48 1.01 2 9 6 29 4
policy
8%
1-Strongly disagree
4%
18% 2-Disagree
3-Uncertain
12%
58% 4-Agree
5-Strongly agree
disagree, 12% people uncertain, 58% people agree and 8% people strongly agree on the
statement 13. When it’s mean 3.48 and standard deviation 1.01.
Janata bank Ltd. has environmental related 3.54 0.89 1 5 15 24 5
agreements with relevant parties/stakeholders
(suppliers, customers, and etc.).
30 | P a g e
Pie Chart of Statement:14
2%
1-Strongly disagree
10% 10%
2-Disagree
30% 3-Uncertain
48% 4-Agree
5-Strongly agree
Janata bank Ltd. head office level or top 3.26 1.08 3 8 19 13 7
management involves in environmental
protection related planning and
implementation.

6%
16% 2-Disagree
26% 3-Uncertain
4-Agree
38%
5-Strongly agree
31 | P a g e
Janata bank Ltd. purchases its stationeries, 3.48 1.13 4 6 9 24 7
equipment and other items from environmental
friendly companies (e.g. printers, computers,
and etc.).
14% 12% 2-Disagree
3-Uncertain
18%
48% 4-Agree
5-Strongly agree
32 | P a g e
Chapter: 05
Findings and Recommendation
5.1 Findings
 According to the environmental regulation of green banking, Banks are

supposed to have an eco-friendly set up but the present setup cannot be changed
promptly as it would create a financial burden for the industry itself.
 Although all the odds banks are still trying to do their part in sustainable
development by using solar powered Branches, Online and mobile banking
initiatives etc., thus creating a path towards green planet.
 Bangladesh GB practices get less priority as they are not considered as
mandatory.
 The credit assessment and management framework prescribed by Bangladesh
Bank and currently followed by all the scheduled commercial banks i.e. Credit
Risk Management (CRM) does not include any risk criteria for considering
environmental and social issues of a particular loan project.
 Most of the banks have launched their own environmental risks assessment
framework and no clear direction is provided regarding quantification and
addition of environmental risk in CRM.
 Online Banking and ATM facilities are regarded as the first step in
implementing green banking as it reduces lots of paper works and satisfies the
principle of cleanliness at bank. But most of the SCBs and SDBs are still
practicing online banking at poor level and ATM facilities are not also
satisfactory.
 Green Banking motivates the banking that reduces use of paper which create
brand image. It also creates awareness amongst the stakeholders about the
environment as well as environment friendly business practices. But very few
of our banks have been able to build such green banking image.
 For its in-house day to day to business management and to ensure better and
prompt customer Service through acquainting the customers with automation
and paperless banking system.
33 | P a g e
 A separate Green Banking Unit or Cell should be established and assigned with
the responsibility of designing, evaluating, and administering related issues of
the bank.
 Green banking avoids paper work, by granting green credit cards, go green
mortgages and also all the transactions done through online.
 Paperless initiatives like e-statements and e-greetings help Banks to save trees
from being felled.
 Stationery cost gets reduced due to paper less statements.
 People are not effectively using computerized banking facilities.
 The data shows that many are having fear about security and less confidence in
handling.
 Green banking avoids as much paper work as possible and rely on online or
electronic transactions for processing so that we get green credit cards and green
mortgages. Less paperwork means less cutting of trees.
 Green banking as a concept is a proactive and smart way of thinking with a
vision for future sustainability.
5.2 Recommendation
Four E’s Green Banking – Educate, Enable, make it easy and Be Earnest. Banks in
Bangladesh are continuously working on green banking policy to make themselves
more responsible corporate citizen. As the consumers are becoming more concerned
about the environment and they are realizing that banks can play a major role by stop
investing in environmentally hazardous projects. This study reveals the following
suggestions:
a) Environmental Governance within the Bank,
b) Environmental Awareness among Bank Employees,
c) Feedback from the Regulatory Agencies,
d) Positive Attitude toward Green Banking,
e) Mass Awareness about Green Banking,
34 | P a g e
f) Capacity Building,
g) Credit/ Investment Management,
h) Eco-friendly Production Technology,
i) Miscellaneous
 Government should carefully monitor and supervise the green banking

practices in Bangladesh.
 Bangladesh bank must monitor the adherence of green banking guidelines
by the commercial and non-commercial banks.
 Government encourages the general people about green banking awareness
through the electronic and print media.
 Coordination among concerned authorities.
 Speeding up awareness and effective capacity building.
 Immediate concentration on sectoral lending policies and procedures.
 Shifting of different categories of industry (such as, garments, textiles, and
tannery) to a proper location.
 Awareness of top management.
 Encouraging borrowers to go green.
 Need to apply green banking and use environmental risk management
(ERM) guideline in efficient manner.
 Develop a culture within the organization based on environmental
governance.
 Replicate global as well as local best practices.
 Share Knowledge and technical know-how with peer groups.
 Further integration with credit risk management in the overall credit risk
methodology.
 Apply quantitative approach for environmental risk rating.
 Develop a database for technical assistance/issues.
35 | P a g e
References:
1. Atiur Rahman, “Financial Services at People’s Doorstep”, Governor, Bangladesh

Bank, 2010
2. Bangladesh Bank (2017), Green Banking Report, Green Banking and CSR
Department
3. Bihari, S.C., 2011. “Green Banking Socially Responsible Banking in India”, the India
Banker, Vol. VI, No.1, 2011
4. google scholar
5. Janata bank annual report 2012-2016
6. Kamal singhal, Krishna Singhal and Monika Arya, “Green Banking: An Overview”,
Asian Journal of Multidisciplinary studies. Vol-2, Issue-6, June 2014
7. K.Shaumya A.A. Arulrajah Eastern University, Sri Lanka, 13th International
Conference on Business Management 2016
8. Masukujjaman M & Aktar S 2013, „Green Banking in Bangladesh: A Commitment
towards the Global Initiatives‟, Journal of Business and Technology (Dhaka), volume
VIII, issues 1 and 2, January-June and July-December.
9. Rahman, A. 2012 ‘Green Banking and Sustainable Development: the Case of
Bangladesh’, UN Conference on Sustainable Development (Rio+20 Summit) Rio de
Janeiro, Brazil, June 19, 2012
10. Rahman, A. (2013). Green Banking and Sustainable Development: The Case of
Bangladesh. The Bangladesh Accountant, January-March, 2013.
11. Thompson -Hilary-J, (1995) “The Role of Financial Institutions in Encouraging

Improved Environmental
12. Ullah, M.M. 2010. Green Banking in Bangladesh- A Comparative Analysis.

Maruf.pdf. 20 February 2013
36 | P a g e
Appendix:
1.1 Questionnaire: Information Regarding Green banking Practices
I am Md. Mostain Billah, student of Finance Department 8th batch, Jagannath

University. I am completing my internship in Janata Bank Ltd, English Road Branch,
Dhaka. I am conducting a survey on Green Banking practice of Janata Bank Ltd. Your
understanding and cooperation for this academic exercise will be highly appreciated.
1. Name: …………..…………………………………………..
Please put tick (✔) mark:
2. Gender: □ Male □ Female
03. Age (in years): □ Below25 □to 40 □Above 40
04. Occupation: □ Government job □ Private job □ Business □ Student □ others
Please put tick (✔) mark to show to what extent you agree with the following
statements.
1-Strongly 2-Disagree 3-Uncertain 4-Agree 5-Strongly

disagree agree
No Statements 1 2 3 4 5
1 Janata bank Ltd. provides training and education to
the staff on environmental protection, energy saving,
and etc.
2 Janata bank Ltd. has environmental (green)
performance evaluation practices (environmental
sustainability measures, energy saving measures and
calculation of carbon footprint).
3 Janata bank Ltd. Green banking give more
importance to environmental friendly factors like
37 | P a g e
ecological gains thus interest on loan is
comparatively less.
4 Janata bank Ltd. has initiatives to reduce paper usage

and other wastage of materials
5 Janata bank Ltd. has introduced energy efficient
equipment, system solutions and practices (ATMs,
LED lighting, SWIFT transfer, and etc.).
6 Janata bank Ltd. uses e-waste management practices.
7 Janata bank Ltd. has environmental friendly banking
practices (e-mail, intranet, e-statements, online
approval system, and etc.).
8 Janata bank Ltd. provides loan to environmental

protection and energy saving related projects.
9 Janata bank Ltd. implements certain independent and
unique green initiatives, projects, and etc. (e.g. tree
planting).
10 Janata bank Ltd. promotes and facilitates
environmental oriented enterprises through special
grants, loans and guidance.
11 Janata bank Ltd. uses social and environmental
management system or any other mechanisms to
evaluate all credit proposals.
12 Janata bank Ltd. involves in setting up green

branches (energy efficient buildings/green
buildings).
13 Janata bank Ltd. has environmental (green) policy
14 Janata bank Ltd. has environmental related
agreements with relevant parties/stakeholders
(suppliers, customers, and etc.).
38 | P a g e
15 Janata bank Ltd. head office level or top management
involves in environmental protection related
planning and implementation.
16 Janata bank Ltd. purchases its stationeries, equipment
and other items from environmental friendly
companies (e.g. printers, computers, and etc.).
39 | P a g e

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Internship Report

Date of Submission: 27th May, 2018.

Date: 27th May 2018

Faculty of Business Studies,

Jagannath University, Dhaka.

Subject: Submission of Internship Report.

Course Title and Course Code

Student ID and Batch Name:

Inadequate Regular Adequate & Substantial Critical

RESEARCH Poor Regular Adequate Adequate with High Level

CRITICAL Poor Regular Adequate & Adequate with High Level

Inadequate & Very Limited Limited to Key Generous Extensive

This report is prepared as part of practical orientation of BBA program where a

1.2 Objective of the study .............................................................................................. 1

1.3 Methodology ............................................................................................................. 2

1.4 Limitation of the study ............................................................................................ 3

2.2 Some Green Banking slogans of Banks ........................................................................ 6

2.3 Green Banking Products ............................................................................................... 7

2.4 Method of Green Banking ............................................................................................. 8

2.5 Importance of green banking ........................................................................................ 9

2.6 Benefits of going Green ............................................................................................... 11

3.2 Green Banking Objective of Janata Bank Limited ................................................... 14

3.3 Some Banks Green Banking Initiatives ..................................................................... 15

3.4 Green Banking Adoption policy in Janata Bank Limited:....................................... 18

3.4.1 Management of In-house Environment .............................................................. 18

Analysis of Statement: 02 .................................................................................................. 23

Analysis of Statement: 03 .................................................................................................. 24

Analysis of Statement: 04 .................................................................................................. 25

Analysis of Statement: 05 .................................................................................................. 25

Analysis of Statement: 06 .................................................................................................. 26

Analysis of Statement: 07 .................................................................................................. 26

Analysis of Statement: 08 .................................................................................................. 27

Analysis of Statement: 09 .................................................................................................. 27

Analysis of Statement: 10 .................................................................................................. 28

Analysis of Statement: 11 ................................................................................................... 29

Analysis of Statement: 12 .................................................................................................. 29

Analysis of Statement: 13 .................................................................................................. 30

Analysis of Statement: 14 .................................................................................................. 30

Analysis of Statement: 15 .................................................................................................. 31

Analysis of Statement: 16 .................................................................................................. 32

Findings and Recommendation ............................................................................................ 33

1.1 Origin of the report:

Bachelor of Business Administration (BBA) is a 4 (four) year course which is designed

1.2 Objective of the study:

 To know the basic concept about Green Banking.

 Interview with the officers,

 Internet and various study selected reports,

 Time frame for the research was very limited.

2.1 Literature review of Green Banking:

On the other hand, Green banking is defined as promoting environment-friendly

Green Banking Policy of BASIC Bank Limited, Bangladesh (2011) was go

2.2 Some Green Banking slogans of Banks:

a) Save paper, save trees,

b) Conserve energy, conserve natural resources,

c) Pay your bills online,

d) Turn off the tap when not needed,

e) Always use a cloth bag,

f) Reduce, reuse and recycle,

h) Think before you press the button,

i) Everything has two sides,

j) Be paperless-kick the habit,

k) Unplug electronic devices while not in use.

2.3 Green Banking Products: