Accelerat ing t he world's research.

Green Banking in Bangladesh-

Fostering environmentally
sustainable inclusive growth process
Rubayat Chowdhury

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Mohamed Ridha Ben Maad

Variat ion of Test anxiet y over List ening and Speaking Test Performance
nemat ullah shomoossi
 Green Banking in Bangladesh
Fostering Environmentally
Sustainable Inclusive Growth Process

Authors

Khondkar Morshed Millat

‡’—–›
‡‡”ƒŽƒƒ‰‡”
ƒ‰Žƒ†‡•Šƒ

Rubayat Chowdhury
‡’—–›‹”‡…–‘”
ƒ‰Žƒ†‡•Šƒ

Edward Apurba Singha

‡‘‘˜ƒ–‹‘

Bangladesh Bank
Foreword

ƒ‰Žƒ†‡•Š ‹• ‹†‡–‹ˆ‹‡† „› …Ž‹ƒ–‡ …Šƒ‰‡

‡š’‡”–• ƒ• „‡‹‰ ƒ‘‰ –Š‡ …‘—–”‹‡• ‘”‡
•‡˜‡”‡Ž› …ŠƒŽŽ‡‰‡† „› …Ž‹ƒ–‡ …Šƒ‰‡ –Š”‡ƒ–Ǣ
™‹–Š …‘””‡•’‘†‹‰Ž› Š‹‰Š —”‰‡…› ‘ˆ
’”‡’ƒ”‡†‡•• ™‹–Š ‹–‹‰ƒ–‹˜‡ ƒ† ƒ†ƒ’–‹˜‡
”‡•’‘•‡•Ǥ Š‡ ‰‘˜‡”‡– ƒ† ƒ‰Žƒ†‡•Š
ƒȋȌǡ–Š‡…‡–”ƒŽ„ƒ‘ˆƒ‰Žƒ†‡•ŠŠƒ˜‡
”‡ƒ‹‡† ˆ—ŽŽ› ƒ™ƒ”‡ ƒ† ’”‘ƒ…–‹˜‡ ‹ –Š‹•
”‡•’‡…–ǡ —•‹‰ –Š‡ …‘—–”›̵• ‘™ ‡ƒ‰‡”
”‡•‘—”…‡• „‡•‹†‡• ™Šƒ–‡˜‡” ‘†‡•– •—’’‘”– ‹• „‡‹‰ ’”‘˜‹†‡† „› –Š‡
‹–‡”ƒ–‹‘ƒŽ…‘—‹–›Ǥ

‡…‘‰‹œ‹‰–Šƒ––Š‡ˆ‹ƒ…‹ƒŽ•‡…–‘”…ƒ’Žƒ›ƒ…ƒ–ƒŽ›–‹…”‘Ž‡‹•’‡‡†‹‰
—’ ƒ†‘’–‹‘ ‘ˆ ‡˜‹”‘‡–ƒŽŽ› ˆ”‹‡†Ž‹‡” ‘—–’—– ’”ƒ…–‹…‡• ‹ –Š‡ ”‡ƒŽ
‡…‘‘›Ǣ ƒ‰Žƒ†‡•Š ƒ Šƒ• Žƒ—…Š‡† ‹ ʹͲͳͳ ƒ …‘’”‡Š‡•‹˜‡
‰”‡‡ „ƒ‹‰ ‹‹–‹ƒ–‹˜‡ –‘ •—’’‘”– ƒ† ’”‘‘–‡ ‡˜‹”‘‡–ƒŽŽ›
”‡•’‘•‹„Ž‡ˆ‹ƒ…‹‰Ǣ‹••—‹‰‰—‹†ƒ…‡‹–‡”ƒŽ‹ƒˆ‘”‡˜‹”‘‡–ƒŽ”‹•
ƒ••‡••‡– ‘ˆ „‘””‘™‹‰ ’”‘’‘•ƒŽ• ƒ† ˆ‘” ‰”‡‡‹‰ ‘ˆ ‹–‡”ƒŽ
’”‘…‡••‡• ƒ† ’”ƒ…–‹…‡• ™‹–Š‹ „ƒ•Ǥ Š‹• „‘‘Ž‡– ’”‘˜‹†‡• ƒ „”‹‡ˆ
ƒ……‘—– ‘ˆ –Š‡ •–‡’• –ƒ‡ǡ –Š‡ ’”‘‰”‡••‡• ƒ––ƒ‹‡† –Š—• ˆƒ”ǡ ƒ† –Š‡
‡†‹ƒƒ––‡–‹‘–Šƒ––Š‡•‡Šƒ˜‡”‡…‡‹˜‡†ǤŠ‘’‡–Š‹•„‘‘Ž‡–™‹ŽŽ„‡‘ˆ
‹–‡”‡•––‘‰‡‡”ƒŽ”‡ƒ†‡”•„‡•‹†‡•„ƒ‡”•ǡ•‡•‹–‹œ‹‰–Š‡–‘…Ž‹ƒ–‡
…Šƒ‰‡”‡•’‘•‡‹••—‡•ƒ†‹•’‹”‹‰–Š‡–‘™ƒ”†•’‘•‹–‹˜‡ƒ…–‹˜‹•Ǥ
‹ƒŽŽ›ǡ  ™‘—Ž† Ž‹‡ –‘ –Šƒ Š‘†ƒ” ‘”•Š‡† ‹ŽŽƒ–ǡ —„ƒ›ƒ–
Š‘™†Š—”› ƒ† †™ƒ”† ’—”„ƒ ‹‰Šƒ ˆ‘” –Š‡‹” ’”‘ˆ‡••‹‘ƒŽ‹•ǡ
†‡†‹…ƒ–‹‘ƒ†–‡ƒ™‘”‹’”‘†—…‹‰–Š‹•„‘‘Ž‡–Ǥ

Dr. Atiur Rahman

‘˜‡”‘”
ƒ‰Žƒ†‡•Šƒ
ƒ‰‡‘Ǥ
Bangladesh Bank Spearheading Green Banking in Bangladesh

ƒ‰Žƒ†‡•Š ‹• …‘‹––‡† –‘ ’—”•—‹‰ Ž‘™Ǧ…ƒ”„‘

‰”‡‡ †‡˜‡Ž‘’‡– ™‹–Š‘—– …‘’”‘‹•‹‰ –Š‡
‹’‡”ƒ–‹˜‡ ‘ˆ ˆƒ•–‡” ‡…‘‘‹… ‰”‘™–Š ƒ† •‘…‹ƒŽ
†‡˜‡Ž‘’‡–Ǥ ‡˜‡Ž‘’‡– •–”ƒ–‡‰‹‡• ‘ˆ –Š‡

‘˜‡”‡– ‘ˆ ƒ‰Žƒ†‡•Š Žƒ‹† †‘™ ‹ –Š‡
‡”•’‡…–‹˜‡ Žƒ ȋʹͲͳͲǦʹͲʹͳȌ ƒ† –Š‡ ‹š–Š ‹˜‡
‡ƒ”Žƒȋ ʹͲͳͳǦͳͷȌ†‡…Žƒ”‡…Ž‡ƒ”…‘‹–‡–
‘ˆ ’—”•—‹‰ •—•–ƒ‹ƒ„Ž‡ ‰”‘™–ŠǤ Š‡ …‘—–”›̵• ˜—Ž‡”ƒ„‹Ž‹–› –‘ ˆŽ‘‘†•ǡ
…›…Ž‘‡• ƒ† –‘ –Š‡ –Š”‡ƒ– ‘ˆ ‹—†ƒ–‹‘ ‘ˆ Žƒ”‰‡ …‘ƒ•–ƒŽ ƒ”‡ƒ• ˆ”‘
‰Ž‘„ƒŽ ™ƒ”‹‰ †”‹˜‡ •‡ƒ Ž‡˜‡Ž ”‹•‡ ƒ‡• •—•–ƒ‹ƒ„‹Ž‹–› ƒ ’”‹‡
†‡˜‡Ž‘’‡–…‘…‡”Ǥ

‹ƒ…‹‰ ’”ƒ…–‹…‡• …ƒ …”—…‹ƒŽŽ› ‹ˆŽ—‡…‡ –Š‡ •’‡‡† ‘ˆ ƒ†‘’–‹‘ ‘ˆ
‡˜‹”‘‡–ƒŽŽ› •—•–ƒ‹ƒ„Ž‡ ‘—–’—– ’”ƒ…–‹…‡• ‹ –Š‡ ”‡ƒŽ ‡…‘‘›Ǥ
™ƒ”‡ ‘ˆ ‹–• ”‡•’‘•‹„‹Ž‹–› ‘ˆ ’—––‹‰ ‹ ’Žƒ…‡ •‘…‹ƒŽŽ› ƒ†
‡˜‹”‘‡–ƒŽŽ› ”‡•’‘•‹„Ž‡ ’”ƒ…–‹…‡• ‹ –Š‡ ˆ‹ƒ…‹ƒŽ •‡…–‘”ǡ
ƒ‰Žƒ†‡•Š ƒǡ –Š‡ …‡–”ƒŽ „ƒ ‘ˆ ƒ‰Žƒ†‡•Šǡ Šƒ• •’‡ƒ”Š‡ƒ†‡†
ƒ†‘’–‹‘ ƒ† ’”‘‘–‹‘ ‘ˆ ‰”‡‡ „ƒ‹‰ ’”ƒ…–‹…‡• –Š”‘—‰Š‘—– –Š‡
ˆ‹ƒ…‹ƒŽ•‡…–‘”ǡ–‘™ƒ”†••ƒˆ‡‰—ƒ”†‹‰‡˜‹”‘‡–ƒŽ•—•–ƒ‹ƒ„‹Ž‹–›Ǥ•ƒ
”‡‰—Žƒ–‘”‘ˆˆ‹ƒ…‹ƒŽ•‡…–‘”ǡ–Š‡…‡–”ƒŽ„ƒƒŽ”‡ƒ†›’”‘…‡‡†‡†ƒŽ‘‰
™ƒ› ‹ ‹’Ž‡‡–‹‰ ‰”‡‡ „ƒ‹‰Ǥ ƒ• ‹ ƒ‰Žƒ†‡•Š Šƒ˜‡
‡–Š—•‹ƒ•–‹…ƒŽŽ› ”‡•’‘†‡† –‘ ƒ‰Žƒ†‡•Š ƒ̵• ‰—‹†ƒ…‡ –‘™ƒ”†•
‰”‡‡„ƒ‹‰ǡ™‹–Š•–‡’•‹‡˜‹”‘‡–ƒŽŽ›”‡•’‘•‹„Ž‡ˆ‹ƒ…‹‰–Šƒ–
ƒ”‡ „‡‰‹‹‰ –‘ ƒ‡ ’”‘ˆ‘—† ‹’ƒ…– ‘ ‡˜‹”‘‡–ƒŽ ’”ƒ…–‹…‡• ‹
–Š‡”‡ƒŽ‡…‘‘›Ǥ

Š‡…‡–”ƒŽ„ƒ‹••—‡†’‘Ž‹…›‰—‹†‡Ž‹‡•ˆ‘”‰”‡‡„ƒ‹‰‹ ‡„”—ƒ”›
ʹͲͳͳǤ ……‘”†‹‰ –‘ –Š‡ ‰—‹†‡Ž‹‡•ǡ ƒŽŽ ‘’‡”ƒ–‹‰ „ƒ• ƒ† ˆ‹ƒ…‹ƒŽ
‹•–‹–—–‹‘• ‡‡† –‘ –ƒ‡ ‡ˆˆ‡…–‹˜‡ ‡ƒ•—”‡• –‘ …‘†—…– ‡˜‹”‘‡–
ˆ”‹‡†Ž› „ƒ‹‰ ƒ…–‹˜‹–‹‡• ‹ –Š‡ …‘—–”›Ǥ ƒ‰Žƒ†‡•Š ƒ Šƒ• ƒŽ•‘
‹••—‡†ƒ…‘‘”‡’‘”–‹‰ˆ‘”ƒ––‘ƒŽŽ–Š‡…‘‡”…‹ƒŽ„ƒ•–‘”‡’‘”–
‰”‡‡ „ƒ‹‰ ƒ…–‹˜‹–‹‡• ‹…Ž—†‹‰ –Š‡ ‡š–‡– ‘ˆ …ƒ”„‘ ˆ‘‘–’”‹– ‹ ƒ
•–”—…–—”‡†™ƒ›Ǥƒ•ƒ†ˆ‹ƒ…‹ƒŽ‹•–‹–—–‹‘•‘™”‡‰—Žƒ”Ž›•—„‹–ƒ
“—ƒ”–‡”Ž› ”‡’‘”– –‘ ƒ‰Žƒ†‡•Š ƒ ‘ –Š‡‹” ’‡”ˆ‘”ƒ…‡ ‘ˆ ‰”‡‡
„ƒ‹‰ƒ…–‹˜‹–‹‡•Ǥ

͹
Bangladesh and Climate Change

ƒ‰Žƒ†‡•Š ˆƒŽŽ• ‹–‘ –Š‡ ‰”‘—’ ‘ˆ

‘•– …Ž‹ƒ–‡ …Šƒ‰‡ ˜—Ž‡”ƒ„Ž‡
…‘—–”‹‡•‹–Š‡™‘”Ž††‡•’‹–‡Š‡”
‹•‹‰‹ˆ‹…ƒ– •Šƒ”‡ ‘ˆ ‰Ž‘„ƒŽ
‰”‡‡Š‘—•‡‰ƒ•ȋ

Ȍ‡‹••‹‘‹
…‘’ƒ”‹•‘™‹–Š‘–Š‡”†‡˜‡Ž‘’‹‰
ƒ††‡˜‡Ž‘’‡†…‘—–”‹‡•Ǥ

‹–‡† ƒ–‹‘• ”ƒ‡™‘”

‘˜‡–‹‘ ‘ Ž‹ƒ–‡ Šƒ‰‡
Destruction of Cyclone Sidr in 2007
ȋ Ȍ ”‡…‘‰‹œ‡• –Š‡ •’‡…‹ƒŽ
‡‡†• ‘ˆ †‡˜‡Ž‘’‹‰ …‘—–”›
ƒ”–‹‡•ǡ’ƒ”–‹…—Žƒ”Ž›–Š‘•‡Š‹‰ŠŽ›˜—Ž‡”ƒ„Ž‡–‘…Ž‹ƒ–‡…Šƒ‰‡Ǥ……‘”†‹‰–‘
”–‹…Ž‡ ͶǤͶǡ †‡˜‡Ž‘’‡† …‘—–”‹‡• ƒ”‡ –‘ ƒ••‹•– †‡˜‡Ž‘’‹‰ …‘—–”‹‡•
˜—Ž‡”ƒ„Ž‡ –‘ …Ž‹ƒ–‡ …Šƒ‰‡ ‹ ‡‡–‹‰ …‘•–• ‘ˆ ƒ†ƒ’–ƒ–‹‘Ǥ ”–‹…Ž‡ ͶǤͻ
ƒ––ƒ…Š‡• •’‡…‹ƒŽ ’”‹‘”‹–› –‘ • ‹ ”‡Žƒ–‹‘ –‘ ˆ—†‹‰ǡ ™Š‹…Š ‹…Ž—†‡•
ˆ—†‹‰ˆ‘”ƒ†ƒ’–ƒ–‹‘Ǥ

 ƒ‰Žƒ†‡•Šǡ –Š‡ ‹’ƒ…–• ‘ˆ Š‹‰Š‡” –‡’‡”ƒ–—”‡•ǡ ‘”‡ ˜ƒ”‹ƒ„Ž‡

’”‡…‹’‹–ƒ–‹‘ǡ‘”‡‡š–”‡‡™‡ƒ–Š‡”‡˜‡–•ǡƒ†•‡ƒŽ‡˜‡Ž”‹•‡ƒ”‡ˆ‘”‡•‡‡
ƒ•Ž‹‡Ž›…‘–‹—‡–‘‹–‡•‹ˆ›ǤŠ‡•‡…Šƒ‰‡•ƒ”‡ƒŽ”‡ƒ†›Šƒ˜‹‰‹’ƒ…–•‘
–Š‡Ž‹˜‡•ƒ†Ž‹˜‡Ž‹Š‘‘†•‘ˆ‹ŽŽ‹‘•‘ˆ’‘‘”’‡‘’Ž‡™Š‘”‡ƒ‹‡š’‘•‡†–‘
…Ž‹ƒ–‡”‹••Ǥ

ƒ‰Žƒ†‡•Šƒ•ƒ‹•‘–‘„Ž‹‰ƒ–‡†–‘‹–‹‰ƒ–‡‘””‡†—…‡

‡‹••‹‘ȋ‹
  ‡‰‘–‹ƒ–‹‘ –‡”•ȌǤ ‡˜‡”–Š‡Ž‡••ǡ ƒ‰Žƒ†‡•Š ‰‘˜‡”‡–
…‘•…‹‘—•Ž›‘’–‡†ˆ‘”ƒŽ‘™…ƒ”„‘†‡˜‡Ž‘’‡–’ƒ–Šǡ†‡•’‹–‡Š‡””‡•‘—”…‡
…‘•–”ƒ‹–•Ǥ ƒ‰Žƒ†‡•Š Šƒ• ƒ†‡ •—„•–ƒ–‹ƒŽ …‘–”‹„—–‹‘ –‘™ƒ”†•
‡•–ƒ„Ž‹•Š‹‰ ̵
”‡‡ Ž‹ƒ–‡ —†̵ ƒ† ‡š–‡†‹‰ ̵‡…‘† ‘‹–‡–
‡”‹‘†‘ˆ›‘–‘”‘–‘…‘Ž̵Ǥ̵ƒ‰Žƒ†‡•ŠŽ‹ƒ–‡Šƒ‰‡–”ƒ–‡‰›ƒ†…–‹‘
Žƒ ȋȌǡ ʹͲͲͻ̵ Šƒ• „‡‡ †”ƒ™ ‘—– –‘ –ƒ…Ž‡ …ŠƒŽŽ‡‰‡• ‘ˆ …Ž‹ƒ–‡
…Šƒ‰‡Ǥ̵Ž‹ƒ–‡Šƒ‰‡”—•–…–ǡʹͲͳͲ̵Šƒ•„‡‡‡ƒ…–‡†Ǥ

ƒ‰Žƒ†‡•Š‰‘˜‡”‡–Šƒ•ƒŽ”‡ƒ†›‹˜‡•–‡†ͳͲ„‹ŽŽ‹‘‘˜‡”–Š‡Žƒ•–͵
†‡…ƒ†‡• –‘ ƒ‡ –Š‡ …‘—–”› …Ž‹ƒ–‡ ”‡•‹Ž‹‡– ƒ† Ž‡•• ˜—Ž‡”ƒ„Ž‡ –‘
†‹•ƒ•–‡”•Ǥ˜‡”–Š‡’ƒ•––Š”‡‡ˆ‹•…ƒŽ›‡ƒ”•ȋ ʹͲͲͻǦͳͲ–‘ ʹͲͳͳǦͳʹȌǡ–Š‡
‰‘˜‡”‡– Šƒ• ƒŽŽ‘…ƒ–‡†  ͵ͲͲ ‹ŽŽ‹‘ ȋ ͳͲͲ ‹ŽŽ‹‘ ‡˜‡”› ›‡ƒ”Ȍ
—†‡”ƒ‰Žƒ†‡•ŠŽ‹ƒ–‡Šƒ‰‡”—•– —†ȋ Ȍǡˆ‘”’”‘Œ‡…–•Žƒ”‰‡Ž›
ˆ‘…—•‡† ‘ ƒ†ƒ’–ƒ–‹‘Ǥ ‘–Š‡” —† …ƒŽŽ‡† ƒ‰Žƒ†‡•Š Ž‹ƒ–‡ Šƒ‰‡
‡•‹Ž‹‡…‡ —†ȋ ȌŠƒ•„‡‡‡•–ƒ„Ž‹•Š‡†‹ʹͲͳͲ™‹–Šˆ—†•’”‘˜‹†‡†
„›–Š‡†‡˜‡Ž‘’‡–’ƒ”–‡”•Ǥ

ͺ
Bangladesh Climate Change Trust Fund (BCCTF)

z •–ƒ„Ž‹•Š‡† ‹ ʹͲͲͻ „›

–Š‡
‘˜‡”‡– ‘ˆ
ƒ‰Žƒ†‡•Šȋ
ȌǤ
z ‡•‘—”…‡†  ͳͲͲ
‹ŽŽ‹‘ ‡ƒ…Š ›‡ƒ” •‹…‡
ʹͲͲͻ ˆ”‘ –Š‡ ”‡‰—Žƒ”
ƒ–‹‘ƒŽ„—†‰‡–Ǥ
z ͸͸Ψ ‘ˆ –Š‡ –‘–ƒŽ ˆ—† ‹•
„‡‹‰ •’‡– ˆ‘” –Š‡
‹’Ž‡‡–ƒ–‹‘ ‘ˆ
ƒ‰Žƒ†‡•Š Ž‹ƒ–‡
Šƒ‰‡–”ƒ–‡‰›ƒ†…–‹‘ŽƒȋȌ™Š‹Ž‡–Š‡”‡•–͵ͶΨ
‹• Š‡Ž† ‹ ”‡•‡”˜‡ ƒ• ̵ˆ‹š‡† †‡’‘•‹–̵ ˆ‘” –ƒ…Ž‹‰ ‡‡”‰‡…›
•‹–—ƒ–‹‘ ƒ† ‰‡‡”ƒ–‹‰ ƒ††‹–‹‘ƒŽ ‘‡› –‘ ‹’Ž‡‡– –Š‡
Ǥ
z ͳͲΨ ‘ˆ –Š‡ ƒ„‘˜‡ ͸͸Ψ ‹• „‡‹‰ •’‡– „› 
• —†‡” –Š‡
‘˜‡”ƒŽŽ•—’‡”˜‹•‹‘‘ˆƒŽŽ‹ƒ”ƒƒŠƒ›ƒ ‘—†ƒ–‹‘ȋ Ȍǡ
ƒ‰‘˜‡”‡–‘™‡†ˆ‹ƒ…‹‡”‘ˆ‹…”‘ˆ‹ƒ…‡‹•–‹–—–‹‘•ǡƒ†
–Š‡”‡•–„›†‹ˆˆ‡”‡–‹‹•–”‹‡•‘ˆ–Š‡‰‘˜‡”‡–Ǥ
z —„Ž‹… •‡…–‘” ’”‘Œ‡…–• ƒ’’”‘˜‡† „› –Š‡ —† ‹…Ž—†‡ ’”‘Œ‡…–•
Ž‹‡ ˆ”‡•Š ™ƒ–‡” •—’’Ž› –‘ …Ž‹ƒ–‡ …Šƒ‰‡ ƒˆˆ‡…–‡† ’‡‘’Ž‡ǡ
’”‘–‡…–‹‘ ’”‘Œ‡…– ˆ‘” …Šƒ” ˆƒ•Š‹‘ •—„Ǧ†‹•–”‹…–•ǡ ‡š…ƒ˜ƒ–‹‘ ‘ˆ
…ƒƒŽ•ǡ•—•–ƒ‹ƒ„Ž‡™ƒ•–‡ƒƒ‰‡‡–’”‘Œ‡…–ǡ‡–…Ǥ

Bangladesh Climate Change Resilience Fund (BCCRF)

z •–ƒ„Ž‹•Š‡† ‹ ʹͲͳͲ ™‹–Š ˆ—†• ’”‘˜‹†‡† „› –Š‡ †‡˜‡Ž‘’‡–

’ƒ”–‡”•ƒ†ƒƒ‰‡†„›–Š‡
‘˜‡”‡–‘ˆƒ‰Žƒ†‡•ŠǤ
z ‘”Ž†ƒ‹•’”‘˜‹†‹‰̵ˆ‹†—…‹ƒ”›̵•—’’‘”––‘–Š‡ ™Š‹…Š
™‹ŽŽ„‡Šƒ†‡†‘˜‡”–‘–Š‡
™‹–Š‹‡š––Š”‡‡›‡ƒ”•Ǥ
z   Šƒ• ”‡…‡‹˜‡† ƒ”‘—†  ʹͲͲ ‹ŽŽ‹‘ ˆ”‘ †‹ˆˆ‡”‡–
†‡˜‡Ž‘’‡–’ƒ”–‡”•‹…Ž—†‹‰–Š‡‹–‡†‹‰†‘ǡ—”‘’‡ƒ
‹‘ǡ‡ƒ”ǡ™‡†‡ƒ†—•–”ƒŽ‹ƒǤ
z ͻͲΨ ‘ˆ –Š‡ –‘–ƒŽ ƒ‘—– ™‹ŽŽ „‡ •’‡– „› †‹ˆˆ‡”‡– ‹‹•–”‹‡•
™Š‹Ž‡ –Š‡ ”‡•– ͳͲΨ ™‹ŽŽ „‡ ƒƒ‰‡† „›   –‘ •—’’‘”–
‹‹–‹ƒ–‹˜‡•–ƒ‡„›
•Ǥ

ͻ
Bangladesh Bank supporting financing of renewable energy
generation and other environmentally benign projects

z ƒ‰Žƒ†‡•Š ƒ Šƒ•

’”‘ƒ…–‹˜‡Ž› …‘‡
ˆ‘”™ƒ”† –‘ …‘’Ž‡‡–
–Š‡ ƒ„‘˜‡ ˆ—†• „›
’—––‹‰ ‹ ’Žƒ…‡ ƒ ˆ—†
ȋ‘ˆ ƒƒ ʹǤͲ „‹ŽŽ‹‘ ‘”
ƒ’’”‘š‹ƒ–‡Ž›  ʹͶǤͷ
‹ŽŽ‹‘Ȍ –‘ ”‡ˆ‹ƒ…‡
Ž‡†‹‰ ˆ‘” ”‡‡™ƒ„Ž‡
‡‡”‰› ‰‡‡”ƒ–‹‘ ƒ†
‘–Š‡” ‡˜‹”‘‡–ƒŽŽ›
„‡‡ˆ‹…‹ƒŽ ’”‘Œ‡…–• Ž‹‡
•ǡ ‡‡”‰› ‡ˆˆ‹…‹‡–
‹Ž•ˆ‘”„”‹…ˆ‹‡Ž†•ƒ† Bangladesh Bank
•‘ ˆ‘”–ŠǤ  ‹••—‡†
‰—‹†‡Ž‹‡• ‘ ˜‹”‘‡–ƒŽ ‹• ƒƒ‰‡‡– ȋȌ ƒ†
‰”‡‡„ƒ‹‰‹ʹͲͳͳƒ†‹•’”‘„ƒ„Ž›–Š‡‘Ž›…‡–”ƒŽ„ƒ‹
–Š‡ ™‘”Ž† ™Š‹…Š Šƒ• ‹••—‡† •—…Š ‹†‹…ƒ–‹˜‡ ‰—‹†‡Ž‹‡• ˆ‘”
’”‘‘–‹‘ ‘ˆ ‰”‡‡ ‡‡”‰› –‘ ˆ‘•–‡” •—•–ƒ‹ƒ„Ž‡ ‡…‘‘‹…
‰”‘™–ŠǤ

z ƒƒ ͺ͵ͺǤͶ ‹ŽŽ‹‘ ȋƒ’’”‘š‹ƒ–‡Ž›  ͳͲǤʹ͹ ‹ŽŽ‹‘Ȍ Šƒ•

ƒŽ”‡ƒ†›„‡‡†‹•„—”•‡†ˆ”‘–Š‹•ˆ—†ǡ‘ˆ™Š‹…Šͷ͸Ǥ͵Ψ™ƒ•
ˆ‘” •‘Žƒ” ‡‡”‰›ǡ ͵ͲǤͺΨ ˆ‘” „‹‘‰ƒ•ǡ ͻǤͳΨ ˆ‘” ›„”‹† ‘ˆˆƒ
‹Žƒ†ͶǤͺΨˆ‘”‡ˆˆŽ—‡––”‡ƒ–‡–’Žƒ–•Ǥ

ͳͲ
About Green Banking

Š‡ –‡” ̶‰”‡‡ „ƒ‹‰̶ ‰‡‡”ƒŽŽ›

”‡ˆ‡”• –‘ „ƒ‹‰ ’”ƒ…–‹…‡• –Šƒ– ˆ‘•–‡”
‡˜‹”‘‡–ƒŽŽ› ”‡•’‘•‹„Ž‡ ˆ‹ƒ…‹‰
’”ƒ…–‹…‡• ƒ† ‡˜‹”‘‡–ƒŽŽ›
•—•–ƒ‹ƒ„Ž‡ ‹–‡”ƒŽ ’”‘…‡••‡•
‹‹‹œ‹‰

‡‹••‹‘•Ǥ

”‡‡ „ƒ‹‰ –Š—• ‹˜‘Ž˜‡• ƒ –™‘

’”‘‰‡† ƒ’’”‘ƒ…ŠǤ ‹”•–Ž›ǡ ‰”‡‡
„ƒ‹‰ ˆ‘…—•‡• ‘ –Š‡ ‰”‡‡
–”ƒ•ˆ‘”ƒ–‹‘ ‘ˆ ‹–‡”ƒŽ ‘’‡”ƒ–‹‘• ‘ˆ
ƒŽŽ „ƒ•Ǥ – ‡ƒ• ƒŽŽ –Š‡ „ƒ• •Š‘—Ž†
ƒ†‘’– ƒ’’”‘’”‹ƒ–‡ ™ƒ›• ‘ˆ —–‹Ž‹œ‹‰
”‡‡™ƒ„Ž‡‡‡”‰›ǡƒ—–‘ƒ–‹‘ƒ†‘–Š‡”
‡ƒ•—”‡• –‘ ‹‹‹œ‡ …ƒ”„‘ ˆ‘‘–’”‹–
ˆ”‘ „ƒ‹‰ ƒ…–‹˜‹–‹‡•Ǥ ‡…‘†Ž›ǡ ƒŽŽ
„ƒ• •Š‘—Ž† ƒ†‘’– ‡˜‹”‘‡–ƒŽŽ›
”‡•’‘•‹„Ž‡ˆ‹ƒ…‹‰Ǣ™‡‹‰Š‹‰—’‡˜‹”‘‡–ƒŽ”‹••‘ˆ’”‘Œ‡…–•„‡ˆ‘”‡
ƒ‹‰ ˆ‹ƒ…‹‰ †‡…‹•‹‘•Ǣ ƒ† ‹ ’ƒ”–‹…—Žƒ” •—’’‘”–‹‰ ƒ† ˆ‘•–‡”‹‰
‰”‘™–Š‘ˆ—’…‘‹‰̵‰”‡‡̵‹‹–‹ƒ–‹˜‡•ƒ†’”‘Œ‡…–•Ǥ

In-house green activities include:

z ‡†—…‡ †‡’‡†‡…› ‘ ‰”‹† ’‘™‡” „› •Š‹ˆ–‹‰ –‘ —•‡ ‘ˆ •‘Žƒ”
’‘™‡” ƒ† ‘–Š‡” ”‡‡™ƒ„Ž‡ ‡‡”‰› •‘—”…‡• –‘ –Š‡ ƒš‹—
ˆ‡ƒ•‹„Ž‡‡š–‡–Ǥ
z ‘ŽŽ‘™‰”‡‡ƒ”…Š‹–‡…–—”‡™Š‹Ž‡…‘•–”—…–‹‰„ƒ‘ˆˆ‹…‡•Ǥ
z •‡‡‡”‰›•ƒ˜‹‰–‡…Š‘Ž‘‰‹‡••—…Šƒ•ǡ ‡–…Ǥ
z •‡‡‡”‰›‡ˆˆ‹…‹‡–†‹‰‹–ƒŽ†‡˜‹…‡•Ǥ
z ‡†—…‡ —•‡ ‘ˆ ’ƒ’‡” „› ƒ†‘’–‹‘ ‘ˆ ‘Ž‹‡ ƒ—–‘ƒ–‡† ™‘”
’”ƒ…–‹…‡•Ǥ
z ‘†—…–‡‡”‰›ƒ—†‹–”‡‰—Žƒ”Ž›–‘‘‹–‘”…ƒ”„‘ˆ‘‘–’”‹–Ǥ
Green activities in financing include:
z ƒ””›‘—–‡˜‹”‘‡–ƒŽ”‹•ƒ••‡••‡–‘ˆ’”‘Œ‡…–•ǡˆ‹ƒ…‹‰
‘Ž› –Š‘•‡ –Šƒ– ‡‡– ‡˜‹”‘‡–ƒŽ •ƒˆ‡‰—ƒ”†•Ȁ•—•–ƒ‹ƒ„‹Ž‹–›
‰—‹†‡Ž‹‡•Ǥ
z ”‘˜‹†‡ ‰”‡‡ Ž‘ƒ –‘ ’”‘‘–‡ •‘Žƒ” ‡‡”‰›ǡ „‹‘‰ƒ• ’Žƒ–•ǡ
‡ˆˆŽ—‡– –”‡ƒ–‡– ’Žƒ–• ƒ† ‘–Š‡” ‡‡”‰› •ƒ˜‹‰ ‘—–’—–
’”ƒ…–‹…‡•Ž‹‡›„”‹†‘ˆˆƒ‹Ž•‹„”‹…ˆ‹‡Ž†•Ǥ

ͳͳ
z ‡˜‡Ž‘’‰”‡‡„ƒ‹‰’”‘†—…–•ˆ‘”…Ž‹‡–•Ǥ
z ”‘‘–‡‰”‘™–Š‘ˆ‘„‹Ž‡„ƒ‹‰ƒ†‘Ž‹‡„ƒ‹‰Ǥ
z …Ž—†‡ ‡˜‹”‘‡–ƒŽ •—•–ƒ‹ƒ„‹Ž‹–› •—’’‘”– ‹‹–‹ƒ–‹˜‡• ‹
…‘”’‘”ƒ–‡ •‘…‹ƒŽ ”‡•’‘•‹„‹Ž‹–› ȋȌ ’”‘‰”ƒ•ǡ ‹–‡” ƒŽ‹ƒ
‹…Ž—†‹‰ˆ‹ƒ…‹ƒŽ•—’’‘”––‘…Ž‹ƒ–‡”‹•ˆ—†Ǥ

Green Strategic Planning

ƒ‰Žƒ†‡•Š ƒ̵• ‰—‹†ƒ…‡ …‹”…—Žƒ” ”‡“—‹”‡• „ƒ• –‘ ƒ†‘’– ‰”‡‡

•–”ƒ–‡‰‹…’Žƒ‹‰ˆ‘”ʹͲͳ͵ƒ†„‡›‘†Ǥ‹•‹‘ƒ†‹••‹‘Šƒ˜‡–‘„‡
‹…‘”’‘”ƒ–‡† ‹ –Š‡ •–”ƒ–‡‰‹… ’Žƒ‹‰ …‘˜‡”‹‰ „‘–Š ‹ǦŠ‘—•‡ ‰”‡‡
„ƒ‹‰ ƒ…–‹˜‹–‹‡• ƒ† ‰”‡‡ ˆ‹ƒ…‹‰ ’”ƒ…–‹…‡•Ǥ ƒ• ™‹ŽŽ ˆ‘”—Žƒ–‡
ƒ’’”‘’”‹ƒ–‡ ’‘Ž‹…‹‡• ˆ‘” •‡Ž‡…–‹‘ ‘ˆ —‹–Ȁ’”‘Œ‡…– ƒ† Ž‘…ƒ–‹‘ —†‡”
†‹ˆˆ‡”‡–…ƒ–‡‰‘”‹‡•„ƒ•‡†‘’”‘’‡”ƒƒŽ›•‹•‘ˆ‡˜‹”‘‡–ƒŽ”‹••ƒ†
…‘…‡–”ƒ–‹‘ –Š‡”‡‹ ƒ• ’‡” ˜‹”‘‡–ƒŽ ‘•‡”˜ƒ–‹‘ …– ȋȌ
ͳͻͻͷǡ  ȋ˜‹”‘‡–ƒŽ ‘•‡”˜ƒ–‹‘ —Ž‡• ȋȌ ͳͻͻ͹ǡ 
‰—‹†‡Ž‹‡•ǡ ‰”‡‡ „ƒ‹‰ ‰—‹†‡Ž‹‡• ƒ† ‘–Š‡” ”‡Ž‡˜ƒ– ‹•–”—…–‹‘•
‹••—‡† ˆ”‘ –‹‡ –‘ –‹‡Ǥ ƒ• ™‹ŽŽ ƒŽ•‘ ’”‡’ƒ”‡ •‡…–‘” •’‡…‹ˆ‹…
‡˜‹”‘‡–ƒŽ ‰—‹†‡Ž‹‡• –ƒ‹‰  ͳͻͻ͹ǡ ˜‹”‘‡–ƒŽ —‡
‹Ž‹‰‡…‡ ȋȌ …Š‡…Ž‹•–• ƒ† …—””‡– ‡˜‹”‘‡–ƒŽ ƒ† …Ž‹ƒ–‡
…Šƒ‰‡ …‘†‹–‹‘ ‹–‘ …‘•‹†‡”ƒ–‹‘Ǥ ƒ• ™‹ŽŽ ’”‡’ƒ”‡ •‡…–‘” •’‡…‹ˆ‹…
‡˜‹”‘‡–ƒŽ‰—‹†‡Ž‹‡•‘Ž›ˆ‘”–Š‡•‡…–‘”•…‘˜‡”‡†‹–Š‡”‡•’‡…–‹˜‡
„ƒ̵• ’‘”–ˆ‘Ž‹‘Ǥ Š‡ ‘•– ’‘ŽŽ—–‹‰ ‹†—•–”› —‹–• ˆƒŽŽ —†‡” –Š‡ ̵”‡†̵
…ƒ–‡‰‘”›ǡ ƒ† –Š‡”‡ —•– „‡ ƒ ’‘Ž‹…› †‡…‹•‹‘ȋȀȌ ƒ„‘—– ˆ‹ƒ…‹‰ ‹
–Š‡ ̵”‡†̵ …ƒ–‡‰‘”› ”‡“—‹”‹‰ †‡–ƒ‹Ž‡† ”‡˜‹‡™ ˆ‘” ƒ †‡…‹•‹‘ –‘ ˆ‹ƒ…‡Ǥ
ƒ• •Š‘—Ž† Šƒ˜‡ •’‡…‹ˆ‹… ’‘Ž‹…› ˆ‘” ’”‘…—”‡‡– ƒ† ‡ˆˆ‡…–‹˜‡
—–‹Ž‹œƒ–‹‘ ‘ˆ ‡‡”‰› ‡ˆˆ‹…‹‡– ’”‘†—…–•ǡ ‡Ž‡…–”‘‹… ƒ’’Ž‹ƒ…‡•ǡ ‘–‘”
˜‡Š‹…Ž‡•‡–…Ǥˆ‘”‡…‘ˆ”‹‡†Ž›ƒ–‘•’Š‡”‡Ǥ—–‘ƒ–‹‘ƒ†‹’”‘˜‡†‹Ǧ
Š‘—•‡ ‰”‡‡ ƒ…–‹˜‹–‹‡•ǡ ”‡“—‹”‡† ƒ† ”‹‰‘”‘—• –”ƒ‹‹‰ ’”‘‰”ƒ• ˆ‘”
–‘’Ȁ‹†ȀŽ‘™‡” Ž‡˜‡Ž ƒƒ‰‡‡– ƒ† –Š‡ …Ž‹‡–• ƒ• ™‡ŽŽ ‡‡† –‘ „‡
…ƒ””‹‡†‘Ǥ
”‡‡„ƒ‹‰‹‹–‹ƒ–‹˜‡•‹„ƒ•ƒ”‡–‘„‡„ƒ…‡†„›™Š‘Ž‡
Š‡ƒ”–‡† …‘‹–‡– ‘ˆ –Š‡‹” ”‡•’‡…–‹˜‡ „‘ƒ”†•Ȁ•‡‹‘” ƒƒ‰‡‡–•ǡ
…ƒ•…ƒ†‹‰†‘™™ƒ”†•–‘‹††Ž‡ƒƒ‰‡‡–ƒ†‘–Š‡”‡’Ž‘›‡‡•Ǥ

ͳʹ
Green Transformations in Internal Practices

Following landmark achievements have been made at Bangladesh Bank

towards establishing identity as a leading green central bank amongst
developing economies.

z ‹–Š ƒ ‘˜‡ –‘™ƒ”†• ‡…‘—”ƒ‰‹‰ ‰”‡‡ „ƒ‹‰ ‹

ƒ‰Žƒ†‡•Šǡƒ‰Žƒ†‡•Šƒ‹•–ƒŽŽ‡†ͺ‹Ž‘™ƒ––•‘Žƒ”’‘™‡”
•›•–‡ ‘ ‹–• ”‘‘ˆ–‘’ ‹ ƒ”…Š ʹͲͳͲǤ Š‹• ‹• ‘™ „‡‹‰
‡š–‡†‡†–‘…‘˜‡”‘”‡ƒ”‡ƒ•Ǥ
z  „—Ž„• ƒ”‡ „‡‹‰ ‹•–ƒŽŽ‡† –‘ „”‹‰ •‹‰‹ˆ‹…ƒ– ‡‡”‰›
‡ˆˆ‹…‹‡…›Ǥ

Solar panel at BB Head Office BB Governor inaugurating solar panel

at BB Head Office

z • ’ƒ”– ‘ˆ …‡–”ƒŽ „ƒ

ƒ—–‘ƒ–‹‘ǡ ƒ‰Žƒ†‡•Š
—–‘ƒ–‡† Ž‡ƒ”‹‰ ‘—•‡
ȋȌǡ ”‡†‹– ˆ‘”ƒ–‹‘
—”‡ƒ— ‘Ž‹‡ǡ –‡”’”‹•‡
‡•‘—”…‡• Žƒ‹‰ ȋȌǡ
–‡”’”‹•‡ƒ–ƒƒ”‡Š‘—•‡
ȋȌǡ ‡Ǧ–‡†‡”‹‰ǡ ƒ† ‡Ǧ
”‡…”—‹–‡–Šƒ˜‡…‘‡‹–‘
Data Centre at BB Head Office
”‡ƒŽ‹–›Ǥ ”‘…‡•• ‹•
—†‡”™ƒ› –‘ ‹–”‘†—…‡
ƒ–‹‘ƒŽƒ›‡–™‹–…Š„›–Š‡‡†‘ˆʹͲͳʹǤ

ͳ͵
 z Š‡‘˜‡”ƒŽŽ„ƒ‹‰ˆ—…–‹‘•‘ˆƒ‰Žƒ†‡•Šƒȋ‹…Ž—†‹‰ƒŽŽ
†‡’ƒ”–‡–• ƒ† „”ƒ…Š ‘ˆˆ‹…‡• ”‡Žƒ–‹‰ –‘ „ƒ‹‰ ˆ—…–‹‘•Ȍ
Šƒ˜‡„‡‡„”‘—‰Š–—†‡”ƒ—–‘ƒ–‹‘„›‹’Ž‡‡–‹‰ƒ‹‰
’’Ž‹…ƒ–‹‘ ƒ…ƒ‰‡ –Šƒ– ‹…Ž—†‡• ‘”‡ ƒ‹‰ ‘†—Ž‡ǡ
”‡ƒ•—”› ƒƒ‰‡‡– ‘†—Ž‡ ƒ† ƒ”‡– ˆ”ƒ•–”—…–—”‡
‘†—Ž‡Ǥ
z ŽŽ ‘ˆˆ‹…‡• ƒ† †‡’ƒ”–‡–• ‘ˆ ƒ‰Žƒ†‡•Š ƒ Šƒ˜‡ „‡‡
„”‘—‰Š– —†‡” ƒ …‘’—–‡” ‡–™‘” ȋȀȌǡ …‘‡…–‹‰
ƒ”‘—†ͶͲͲͲ†‡•–‘’ȀŽƒ’–‘’…‘’—–‡”•Ǥ
z ‘ŽŽ—–ƒ–‰‡‡”ƒ–‹‰’”‘…‡••‘ˆ‹…‹‡”ƒ–‹‰‘Ǧ‹••—ƒ„Ž‡„ƒ
‘–‡• ‹• „‡‹‰ ’Šƒ•‡† ‘—–ǡ ”‡•‘”–‹‰ ‹•–‡ƒ† ‘ˆ •Š”‡††‹‰ ƒ†
”‡…›…Ž‹‰Ǥ
z Ž‹‡ ‹••—ƒ…‡ ‘ˆ •ƒŽƒ”› ƒ†˜‹…‡ ƒ† ‘–Š‡” ‘ˆˆ‹…‡ ‡‘•ǡ
’‡”•‘ƒŽ ˆ‹Ž‡ —’†ƒ–‹‰ ‹ˆ‘”ƒ–‹‘ǡ ‘ˆˆ‹…‡ ‘”†‡”•ǡ ‘–‹ˆ‹…ƒ–‹‘ǡ
‘Ž‹‡ „ƒŽƒ…‡ •–ƒ–‡‡–• ˆ‘” ƒŽŽ ‡’Ž‘›‡‡• ‘ˆ ǡ ‡Ž‡…–”‘‹…
’ƒ••‡•ˆ‘”˜‹•‹–‘”•ƒ”‡‹•–ƒ–Ž›ƒ˜ƒ‹Žƒ„Ž‡Ǥ

Green Banking Policy:

The Green Banking Policy promoted by Bangladesh Bank has been phased
out to internalize learning by doing principle.
Šƒ•‡ͳ ‘Ž‹…›ˆ‘”—Žƒ–‹‘ƒ†‰‘˜‡”ƒ…‡
…‘”’‘”ƒ–‹‘‘ˆ‡˜‹”‘‡–ƒŽ”‹•‹…‘”‡”‹•ƒƒ‰‡‡–ȋȌ
‹–‹ƒ–‹‰‹ǦŠ‘—•‡‡˜‹”‘‡–ƒƒ‰‡‡–
–”‘†—…‹‰‰”‡‡ˆ‹ƒ…‡
”‡ƒ–‹‘‘ˆ…Ž‹ƒ–‡”‹•ˆ—†
–”‘†—…‹‰‰”‡‡ƒ”‡–‹‰
Ž‹‡„ƒ‹‰
—’’‘”–‹‰‡’Ž‘›‡‡–”ƒ‹‹‰ǡ…‘•—‡”ƒ™ƒ”‡‡••ƒ†‰”‡‡‡˜‡–
‹•…Ž‘•—”‡ƒ†”‡’‘”–‹‰‘ˆ‰”‡‡„ƒ‹‰ƒ…–‹˜‹–‹‡•

Šƒ•‡ʹ ‡…–‘”•’‡…‹ˆ‹…‡˜‹”‘‡–ƒŽ’‘Ž‹…‹‡•

”‡‡•–”ƒ–‡‰‹…’Žƒ‹‰
‡––‹‰—’‰”‡‡„”ƒ…Š‡•
’”‘˜‡†‹ǦŠ‘—•‡‡˜‹”‘‡–ƒƒ‰‡‡–
‘”—Žƒ–‹‘‘ˆ„ƒ•’‡…‹ˆ‹…‡˜‹”‘‡–ƒŽ”‹•ƒƒ‰‡‡–’Žƒƒ†
‰—‹†‡Ž‹‡•
‹‰‘”‘—•’”‘‰”ƒ•–‘‡†—…ƒ–‡…Ž‹‡–•
‹•…Ž‘•—”‡ƒ†”‡’‘”–‹‰‘ˆ‰”‡‡„ƒ‹‰ƒ…–‹˜‹–‹‡•

Šƒ•‡͵ ‡•‹‰‹‰ƒ†‹–”‘†—…‹‰‹‘˜ƒ–‹˜‡’”‘†—…–•
‡’‘”–‹‰‹•–ƒ†ƒ”†ˆ‘”ƒ–™‹–Š‡š–‡”ƒŽ˜‡”‹ˆ‹…ƒ–‹‘

ͳͶ
In order to incentivize the participating banks to engage more proactively
in green banking activities, the central bank has decided to provide
following preferential treatments:

z ™ƒ”†‹‰ …”‡†‹– ’‘‹–• ˆ‘” ‰”‡‡ „ƒ‹‰ ‹‹–‹ƒ–‹˜‡• ‹ –Š‡

ƒ••‡••‡–‘ˆƒƒ‰‡‡–…‘’‘‡–‘ˆ”ƒ–‹‰ˆ‘”ƒ
„ƒǤ
z —„Ž‹…‹œ‹‰ƒ‡•‘ˆ–‘’–‡’‡”ˆ‘”‡”•‹‰”‡‡„ƒ‹‰ƒ–
™‡„•‹–‡Ǥ
z ƒ‹‰ ‹–— ƒ……‘—– ‰”‡‡ „ƒ‹‰ ’‡”ˆ‘”ƒ…‡ ™Š‹Ž‡
…‘•‹†‡”‹‰”‡“—‡•–•ˆ‘”‡™„ƒ„”ƒ…ŠŽ‹…‡•‡•Ǥ

Status of Green Finance under BB's Refinance Scheme

Bangladesh Bank refinance scheme for promotion of green projects

As of October 2012, Taka 838.4 million out of Taka 2.0 billion revolving
fund has already been allocated to the following green projects:

Category Amount
(in million Taka)
‘Žƒ”‹””‹‰ƒ–‹‘’—’ ʹ͵Ǥͻ 
‘Žƒ”Š‘‡•›•–‡ ͺ͹Ǥͺ 
‹‘‰ƒ•’Žƒ– ʹ͸ʹǤ͹ 
ˆˆŽ—‡–”‡ƒ–‡–Žƒ–ȋȌ ͻͲǤͶ 
›„”‹†‘ˆˆƒ‹ŽȋȌ ͳʹͶǤͺ 
‘Žƒ”‘†—Ž‡ƒ••‡„Ž‹‰’Žƒ– ʹͶͺǤͺ 

ͳͷ
Incorporation of Environmental Risk in Core Risk
Management (CRM)

˜‹”‘‡–ƒŽ ”‹• ‹• ‘– ƒ ’ƒ”– ‘ˆ …”‡†‹– ”‹•Ǣ ”ƒ–Š‡” ‹– ‹• ƒ ˆƒ…‹Ž‹–ƒ–‹‰
‡Ž‡‡– ‘ˆ …”‡†‹– ”‹• ™Š‡ ‹– ‹• Ž‹‡† ™‹–Š …”‡†‹– ”‹• †—‡ –‘
‡˜‹”‘‡–ƒŽ …‘†‹–‹‘Ȁ…Ž‹ƒ–‡ …Šƒ‰‡Ǥ  •–”‘‰ …”‡†‹– ”‹• ‰”ƒ†‡†
’”‘Œ‡…–‘”„—•‹‡••†‡ƒŽƒ›„‡™‡ƒ‡‡†„›ƒŠ‹‰Š˜‹”‘‡–ƒŽ‹•
ƒ–‹‰ ȋ˜Ȍ „‡…ƒ—•‡ ‘ˆ Š‹‰Š ‡˜‹”‘‡–ƒŽ ”‹• –Š‡”‡‹Ǥ
˜‹”‘‡–ƒŽ”‹•‹–Š‹•…ƒ•‡Šƒ•ƒ‰”‡ƒ–‡”‹’ƒ…–‘˜‡”…”‡†‹–”‹•‹–Š‡
‘˜‡”ƒŽŽ …”‡†‹– ”‹• ‡–Š‘†‘Ž‘‰›Ǥ • ƒ ”‡•—Ž–ǡ ‡˜‹”‘‡–ƒŽ ”‹• ‹•
”‡“—‹”‡† –‘ „‡ ‹…‘”’‘”ƒ–‡† ‹ –Š‡ ‘”‡ ‹• ƒƒ‰‡‡– ȋȌ –Šƒ–
ƒ†ƒ–‡• …‘•‹†‡”‹‰ ˜ ‹ –Š‡ ‘˜‡”ƒŽŽ …”‡†‹– ”‹• ‡–Š‘†‘Ž‘‰›Ǥ
…‘”’‘”ƒ–‹‘ ‘ˆ ‡˜‹”‘‡–ƒŽ ”‹• ‹  ‹• ƒŽ•‘ ‹’‘”–ƒ– ˆ‘”
…‘’—–ƒ–‹‘ ‘ˆ ƒ†‡“—ƒ–‡ …ƒ’‹–ƒŽ —†‡” ‹• ƒ•‡† ƒ’‹–ƒŽ †‡“—ƒ…›
ȋȌƒ†–Š‡”ƒ–‹‰—†‡”‘ˆˆǦ•‹–‡•—’‡”˜‹•‹‘Ǥƒ•ƒ”‡‘™
ƒ••‡••‹‰˜ˆ‘ŽŽ‘™‹‰–Š‡˜‹”‘‡–ƒŽ—‡‹Ž‹‰‡…‡Š‡…Ž‹•–‘ˆ
˜‹”‘‡–ƒŽ‹•ƒƒ‰‡‡–‰—‹†‡Ž‹‡Ǥ

EnvRR information during 2012

ƒ• Šƒ˜‡ •–ƒ”–‡† ˜ •‹…‡ —Ž› ʹͲͳͳǢ –Š‡‹” —•‡ ‘ˆ –Š‡ ˜ ‹•
‹…”‡ƒ•‹‰•–‡ƒ†‹Ž›™‹–Š–‹‡ƒ••Š‘™‹–Š‡–ƒ„Ž‡„‡Ž‘™ǣ

—Ž›Ȃ‡…‡„‡”ǡʹͲͳͳ ƒ—ƒ”›Ȃ —‡ǡʹͲͳʹ —Ž›Ǧ‡’–‡„‡”ǡʹͲͳʹ

˜Šƒ•„‡‡†‘‡ˆ‘”Ͷ͵ͻͶ ˜Šƒ•„‡‡†‘‡ˆ‘”͸Ͷ͹Ͷ ˜Šƒ•„‡‡†‘‡ˆ‘”ʹͻʹ͸
’”‘Œ‡…–•Ǥ ’”‘Œ‡…–•Ǥ ’”‘Œ‡…–•Ǥ

Ͷ͵ͳͷ ’”‘Œ‡…–• Šƒ˜‡ „‡‡ ͸ͷͶ͹ ’”‘Œ‡…–• Šƒ˜‡ „‡‡ ͵Ͳ͸ͻ ’”‘Œ‡…–• Šƒ˜‡ „‡‡
ˆ‹ƒ…‡†„›„ƒ•Ǥ ˆ‹ƒ…‡†„›„ƒ•Ǥȗ ˆ‹ƒ…‡†„›„ƒ•Ǥȗ

ƒ• Šƒ˜‡ †‹•„—”•‡† ƒƒ ƒ• Šƒ˜‡ †‹•„—”•‡† ƒƒ ƒ• Šƒ˜‡ †‹•„—”•‡† ƒƒ
ʹ͹ͲǡͻͷͳǤͳͶ ‹ŽŽ‹‘ ˆ‘” –Š‡•‡ ͷʹʹǡ͸ͳͲǤͳͳ ‹ŽŽ‹‘ ˆ‘” –Š‡•‡ ͷͳ͵ǡͶͳͻǤ͵ͻͶ ‹ŽŽ‹‘ ˆ‘” –Š‡•‡
’”‘Œ‡…–•Ǥ ’”‘Œ‡…–•Ǥ ’”‘Œ‡…–•Ǥ

ȗŠ‡ —„‡” ‘ˆ ˆ‹ƒ…‡† ’”‘Œ‡…–• ‡š…‡‡†• –Š‡ —„‡” ‘ˆ ‡˜‹”‘‡–ƒŽ ”‹•
”ƒ–‡†’”‘Œ‡…–•„‡…ƒ—•‡‘ˆ…ƒ””›‘˜‡”ˆ”‘’”‡˜‹‘—•ŠƒŽˆ›‡ƒ”̵•”ƒ–‡†’”‘Œ‡…–•Ǥ

ͳ͸
Allocation for Green Banking

ƒ•ƒ”‡”‡“—‹”‡†–‘ƒŽŽ‘…ƒ–‡ƒ…‘•‹†‡”ƒ„Ž‡ƒ‘—–ˆ‘”‰”‡‡„ƒ‹‰‹
–Š‡‹”ƒ—ƒŽ„—†‰‡–•ǡ™Š‹…Š™‹ŽŽ‹…Ž—†‡ȋ‹Ȍ—†‰‡–ˆ‘”‰”‡‡ˆ‹ƒ…‡ȋ‹‹Ȍ
—†‰‡– ˆ‘” Ž‹ƒ–‡ ‹• —† ƒ† ȋ‹‹‹Ȍ —†‰‡– ˆ‘” ƒ”‡–‹‰ Ƭ …ƒ’ƒ…‹–›
„—‹Ž†‹‰ ˆ‘” ‰”‡‡ „ƒ‹‰Ǥ  ͵ͷ ƒ• Šƒ˜‡ ƒŽŽ‘…ƒ–‡† ƒƒ ʹ͵ǡͲͳͺǤ͵͸
‹ŽŽ‹‘‹–Š‡‹”ƒ—ƒŽ„—†‰‡–ˆ‘”ʹͲͳʹǤƒ˜‡”ƒ‰‡ǡƒ„ƒƒŽŽ‘…ƒ–‡†ƒƒ
͸ͷ͹Ǥ͸͹‹ŽŽ‹‘ˆ‘”‰”‡‡„ƒ‹‰‹ʹͲͳʹǤ

Area Amount
(in million Taka)

”‡‡ ‹ƒ…‡ ʹͲǡͲ͵ͶǤͷͻ

Ž‹ƒ–‡‹• —† ʹǡͳͶͳǤ͹Ͷ

ƒ”‡–‹‰ Ƭ ƒ’ƒ…‹–› —‹Ž†‹‰ ˆ‘” ͺͶʹǤ͹͵

”‡‡ƒ‹‰Ǥ

Green Finance:

‘” ʹͲͳʹ „ƒ• Šƒ˜‡ ƒŽŽ‘…ƒ–‡† ƒƒ ʹͲǡͲ͵ͶǤͷͻ ‹ŽŽ‹‘ ˆ‘” ‰”‡‡ ˆ‹ƒ…‡
‘ˆ ™Š‹…Š ƒƒ ͵ǡʹ͹͵Ǥ͸ͻ ‹ŽŽ‹‘ Šƒ• „‡‡ —–‹Ž‹œ‡† †—”‹‰ ƒ—ƒ”›Ǧ
‡’–‡„‡”ʹͲͳʹǤ

Bank Category Allocation for year 2012 Utilization

(January-September 2012)
SCBs ͸ǡͳ͸ͲǤͲͲ ʹͷǤͷ͵

PCBs ͳͳǡͷͲ͸Ǥ͹ͻ
 ʹǡͺʹͺǤ͹͵


FCBs ͳǡͲͳ͹ǤͺͲ ͹͸ǤͺͲ

SDBs ͳǡ͵ͷͲǤͲͲ ͵ͶʹǤ͸͵

Total 20,034.59 3,273.69

ͳ͹
Climate Risk Fund

Š‡Ž‹ƒ–‡‹• —†…‘˜‡”•
ȋ‹Ȍ —† ˆ‘” ’ƒ”– ‘ˆ 
ƒ…–‹˜‹–‹‡•ȋ‡˜‡–Ȍ –Šƒ– ƒ”‡
”‡Žƒ–‡† –‘ …Ž‹ƒ–‡ …Šƒ‰‡ ”‹•
ƒ† ȋ‹‹Ȍ —† ˆ‘” ’ƒ”– ‘ˆ 
ƒ…–‹˜‹–‹‡•ȋ’”‘Œ‡…–Ȍ –Šƒ– ƒ”‡
”‡Žƒ–‡†–‘…Ž‹ƒ–‡…Šƒ‰‡”‹•Ǥ
ƒ• Šƒ˜‡ ƒŽŽ‘…ƒ–‡† ƒƒ
ʹ͵ǡͲͳͺǤ͵͸ ‹ŽŽ‹‘ ‹ ʹͲͳʹ ƒ•
Climate change worsening river erosion
…Ž‹ƒ–‡”‹•ˆ—†Ǥ

Online Banking

……‡••–‘‘Ž‹‡„ƒ‹‰•‡”˜‹…‡•ˆ‘”–Š‡…—•–‘‡”•‹•‡š’ƒ†‹‰”ƒ’‹†Ž›
ƒŽ‘‰™‹–Š‹…”‡ƒ•‡‹–Š‡—„‡”‘ˆ„”ƒ…Š‡•™‹–Š‘Ž‹‡…‘˜‡”ƒ‰‡ƒ†
ƒ……‘—–•ˆƒ…‹Ž‹–ƒ–‡†™‹–Š‹–‡”‡–„ƒ‹‰Ǥ

Š‡ ‘Ž‹‡ „ƒ‹‰ •…‡ƒ”‹‘ Ž‘‘• ’”‘‹•‹‰ǡ ™Š‡”‡‹ ͵ǡʹʹ͸ ‘—– ‘ˆ
ͺǡͳͻͻ „”ƒ…Š‡• ȋ͵ͻǤ͵ͷΨȌ ƒ”‡ ‡“—‹’’‡† ™‹–Š ‘Ž‹‡ „ƒ‹‰ •‡”˜‹…‡•Ǥ
ͻͲǤ͹͵Ψ‘ˆ –Š‡ –‘–ƒŽ „”ƒ…Š‡• ‘ˆ • Šƒ˜‡ „‡‡ „”‘—‰Š– —†‡” ‘Ž‹‡
„ƒ‹‰ …‘˜‡”ƒ‰‡Ǥ ͶǤͺͶΨ ‘ˆ –Š‡ –‘–ƒŽ „”ƒ…Š‡• ‘ˆ • Šƒ˜‡ „‡‡
„”‘—‰Š–—†‡”‘Ž‹‡„ƒ‹‰…‘˜‡”ƒ‰‡ǤŠ‡•‡‡†–‘‰‘ƒŽ‘‰™ƒ›
‹–Š‡ƒ”‡ƒ‘ˆ‰”‡‡„ƒ‹‰Ǥ

Number of % of
Type of Total number branches branches
banks of branches with online with online
banking banking
facility facility
SCBs ͵Ͷ͸ͻ ͳ͸ͺ ͶǤͺͶ
PCBs ͵ǡʹʹͶ ʹǡͻʹͷ ͻͲǤ͹͵
FCBs ͹͵ ͹͵ ͳͲͲǤͲͲ
SDBs ͳǡͶ͵͵ ͸Ͳ ͶǤͳͻ
Total ͺǡͳͻͻ ͵ǡʹʹ͸ ͵ͻǤ͵ͷ

ͳͺ
Mobile Banking:

‹–Š ˆƒ•– ‡š’ƒ†‹‰ ‘„‹Ž‡ –‡Ž‡’Š‘› ƒ† ‰”‡ƒ– ‡–Š—•‹ƒ• ‘ˆ –Š‡
„ƒ• ‹ ‘ˆˆ‡”‹‰ ˆ‹ƒ…‹ƒŽ •‡”˜‹…‡• –Š”‘—‰Š ‘„‹Ž‡ ’Š‘‡•ǡ  ‹••—‡†
‰—‹†‡Ž‹‡• ‘ ‘„‹Ž‡ ˆ‹ƒ…‹ƒŽ •‡”˜‹…‡• ‹ ʹͲͳͳǤ ʹ͵ „ƒ• Šƒ˜‡ „‡‡
‰‹˜‡ Ž‹…‡•‡ –Š—• ˆ‘” –‘ ’”‘˜‹†‡ ‘„‹Ž‡ ˆ‹ƒ…‹ƒŽ •‡”˜‹…‡• ȋ Ȍ ‘ˆ
™Š‹…ŠͳͶ„ƒ•Šƒ˜‡ƒŽ”‡ƒ†›•–ƒ”–‡†–Š‡‹”‘’‡”ƒ–‹‘•ǤŠ‡•‡„ƒ•ƒ”‡
’”‡•‡–Ž› ’”‘˜‹†‹‰   –‘ ƒ”‘—† ͳǤͷ ‹ŽŽ‹‘ …—•–‘‡”•Ǣ ƒ˜‡”ƒ‰‡
–”ƒ•ƒ…–‹‘ ˜‘Ž—‡ ‹• ƒ”‘—† ƒƒ ͵͵Ͳ ‹ŽŽ‹‘ ’‡” †ƒ›Ǥ Š‡ ƒ˜‡”ƒ‰‡
”ƒ–‡‘ˆ‰”‘™–Š‘ˆ…—•–‘‡”„ƒ•‡‹‘„‹Ž‡„ƒ‹‰‹•…—””‡–Ž›ͳͷΨ’‡”
‘–ŠǤ

ATM Services of Banks

‘•–‘ˆ–Š‡„ƒ•Šƒ˜‡„‡‡‘ˆˆ‡”‹‰ Bank Branches SME/ATM

types powered units
ʹͶǦŠ‘—” „ƒ‹‰ •‡”˜‹…‡• –Š”‘—‰Š by solar powered
energy by solar
–Š‡‹”…‘—–”›™‹†‡„‘‘–Š•Ǥ‘™ energy
Ͷǡ͵͵ʹ  „‘‘–Š• ƒ”‡ ‘’‡”ƒ–‹‰ ‹ SCBs ͳͷ ͺ
ƒ‰Žƒ†‡•ŠǤ —–…ŠǦƒ‰Žƒ ƒ ‹• PCBs ͳ͹Ͳ ͳ͵ͻ
SDBs ʹͶ Ͳ
–ƒ‹‰ –Š‡ Ž‡ƒ† ’‘•‹–‹‘ ™‹–Š
FCBs ͵ ͵
‹•–ƒŽŽƒ–‹‘‘ˆʹǡͳ͹Ͳ•Ǥ Total ʹͳʹ ͳͷͲ

Branches/ SME/ATM Units Powered by Solar Energy

ʹͳʹ„”ƒ…Š‡•‘ˆʹ͸„ƒ•ƒ”‡‘™’‘™‡”‡†„›•‘Žƒ”‡‡”‰›Ǥ‘‡–‹‘ƒ
ˆ‡™ǡ ͵ʹ „”ƒ…Š‡• ‘ˆ ŽǦ”ƒˆƒŠ •Žƒ‹ ƒǡ ʹʹ „”ƒ…Š‡• ‘ˆ •Žƒ‹ ƒ
ƒ‰Žƒ†‡•Šƒ†ͳͷ„”ƒ…Š‡•‘ˆ‘ƒŽ‹ƒƒ”‡’‘™‡”‡†„›•‘Žƒ”‡‡”‰›Ǥ

ͳͷͲȀ—‹–•‘ˆͻ„ƒ•ƒ”‡’‘™‡”‡†„›•‘Žƒ”‡‡”‰›Ǥƒ
Šƒ• ˆƒ…‹Ž‹–ƒ–‡† ͳʹͳ Ȁ —‹–• ’‘™‡”‡† „› •‘Žƒ” ‡‡”‰›Ǥ ‘ƒŽ‹ǡ ǡ
”‹‡ǡ —–—ƒŽ ”—•–ǡ •Žƒ‹ǡ –ƒ†ƒ”† Šƒ”–‡”‡†ǡ ǡ ƒ ŽǦ ƒŽƒŠ
„ƒ•Šƒ˜‡Ȁ—‹–•’‘™‡”‡†„›•‘Žƒ”‡‡”‰›Ǥ

ͳͻ
Banks' In-house Green Activities
z ‘‘—•‡‘ˆ–ƒ„Ž‡•–ƒ–‹‘‡”‹‡•‹•–‡ƒ†‘ˆ‹†‹˜‹†—ƒŽ—•‡Ǥ
z •‡‘ˆ’ƒ’‡”‘„‘–Š•‹†‡•ˆ‘”‹–‡”ƒŽ…‘•—’–‹‘Ǥ
z –”‘†—…–‹‘ ‘ˆ ‡Ǧ•–ƒ–‡‡– ˆ‘” …—•–‘‡”• ‹•–‡ƒ† ‘ˆ ’ƒ’‡”
•–ƒ–‡‡–•Ǥ
z •‡‘ˆ‘Ž‹‡…‘—‹…ƒ–‹‘‹–Š‡„‡•–’‘••‹„Ž‡ƒ‡”Ǥ
z •‹‰ ‘”‡ †ƒ›Ž‹‰Š– ‹•–‡ƒ† ‘ˆ ‡Ž‡…–”‹… Ž‹‰Š–• ƒ† ’”‘’‡”
˜‡–‹Žƒ–‹‘‹Ž‹‡—‘ˆ—•‹‰ƒ‹”…‘†‹–‹‘‹‰Ǥ
z •‹‰‡‡”‰›•ƒ˜‹‰„—Ž„•Ǥ
z •‡ ‘ˆ …‘ ƒ˜˜› ˆ‘– ˆ‘” ’”‹–‹‰ Ž‹‰Š– ‹’”‡••‹‘ ‘ „‘–Š
•‹†‡•‘ˆ’ƒ’‡”Ǥ
z ‡––‹‰†‡ˆƒ—Ž–•Ž‹‡̶Š‹‹‰–™‹…‡„‡ˆ‘”‡’”‹–‹‰Ǥ̶ǡ̶”‹–‹‰
‘Ž› ‹– ”‡ƒŽŽ› ‡‡†•̶ǡ ̶Ž‡ƒ•‡ …Š‡… ›‘—” ‡˜‹”‘‡–ƒŽ
”‡•’‘•‹„‹Ž‹–›̶‡–…Ǥ‹‡ƒ‹Ž…‘””‡•’‘†‡…‡•Ǥ
z ‹†‡‘Ȁ—†‹‘…‘ˆ‡”‡…‡‹Ž‹‡—‘ˆ’Š›•‹…ƒŽ–”ƒ˜‡ŽǤ
z ‘˜‡”•‹‘ ‘ˆ „ƒ̵• ˜‡Š‹…Ž‡• ‹–‘ 
 ƒ† —•‡ ‘ˆ ‡‡”‰›
‡ˆˆ‹…‹‡–‡Ž‡…–”‘‹…‡“—‹’‡–•Ǥ
z ˆˆ‹…‹‡– —•‡ ‘ˆ ’”‹–‡” …ƒ”–”‹†‰‡•ǡ ’Š‘–‘…‘’› –‘‡”ǡ ‘ˆˆ‹…‡
•–ƒ–‹‘ƒ”›ǡ‡–…Ǥ
z Šƒ”‹‰‡Ž‡…–”‘‹…ˆ‹Ž‡•ǡ˜‘‹…‡ƒ‹Žƒ†‡Ǧƒ‹Ž‹•–‡ƒ†‘ˆ’ƒ’‡”
‡‘•Ǥ

ʹͲ
Case Studies

Trust Bank

”—•–ƒŠƒ•†‹•„—”•‡†‘”‡–Šƒ
ƒƒʹͷͲ‹ŽŽ‹‘–‘‡•–ƒ„Ž‹•Š„‹‘‰ƒ•
’Žƒ–• ‹
ƒœ‹’—”ǡ ƒ‹‰ƒŒǡ
ƒ–‘”‡ǡƒ‰ƒ‹Žƒ†ƒ”‹•ƒŽ†‹•–”‹…–•Ǥ
 –‘–ƒŽ ‘ˆ ͻͺͲ „‹‘‰ƒ• ’Žƒ–• ƒ”‡
ƒŽ”‡ƒ†› ‹ ‘’‡”ƒ–‹‘ ƒ† ’”‘…‡•• ‹•
—†‡”™ƒ› –‘ ‹…”‡ƒ•‡ –Š‹• —„‡”
–‘ ͳǡͲͲͲ „› ‡…‡„‡” ʹͲͳʹ ƒ† –‘
ͷǡͲͲͲ„›ʹͲͳͷǤ
Biogas plant financed by Trust Bank

”—•–ƒ”—•–Š‹•‰”‡‡‹‹–‹ƒ–‹˜‡„ƒ•‡†‘̵ˆ‘—”…‘™‘†‡Ž̵ǤŠ‡„ƒ
Ž‡†• ƒƒ ͵ͲͲǡͲͲͲ –‘ ’‘–‡–‹ƒŽ ‡–”‡’”‡‡—”• –‘ „—› ˆ‘—” …‘™•Ǥ Š‡
„‘””‘™‡”• –Š‡ ”‡ˆ—† –Š‡ Ž‘ƒ ‹ ͵͸ ‹•–ƒŽŽ‡–• „› •‡ŽŽ‹‰ ‹ŽǤ Š‡
„ƒƒŽ•‘‰—‹†‡•–Š‡„‘””‘™‡”•™‹–Š„‘–Š–‡…Š‹…ƒŽƒ†„—•‹‡••‹†‡ƒ•–‘
ƒ‡ –Š‡‹” ˜‡–—”‡• •—……‡••ˆ—ŽǤ ’ƒ”– ˆ”‘ ‰ƒ• ‰‡‡”ƒ–‹‘ǡ •Ž—””›
‰‡‡”ƒ–‡† ˆ”‘ „‹‘‰ƒ• ’Žƒ–• ‹• —•‡† ƒ• ‘”‰ƒ‹… ˆ‡”–‹Ž‹œ‡”Ǥ ‡˜‡”ƒŽ „‹‰
…‘’ƒ‹‡•ƒ”‡•Š‘™‹‰‹–‡”‡•––‘„—›–Š‹•‘”‰ƒ‹…ˆ‡”–‹Ž‹œ‡”†‹”‡…–Ž›ˆ”‘
–Š‡’”‘†—…‡”•Ǥ

Mutual Trust Bank (MTB)

 …‡–”‡ ‹• …‘•–”—…–‡† „ƒ•‡† ‘ ‰”‡‡ ƒ”…Š‹–‡…–—”‡Ǥ Š‹• „ƒ Šƒ•
†‡˜‡Ž‘’‡† ƒ ’ƒ…ƒ‰‡ …ƒŽŽ‡† ̶
”‡‡ ‡”‰›̶ –‘ ˆ‹ƒ…‡ ”‡‡™ƒ„Ž‡
‡‡”‰› ’”‘Œ‡…–• •—…Š ƒ• •‘Žƒ”ǡ
„‹‘‰ƒ• ‡–…Ǥ  Šƒ• ‘–ƒ„Ž‡
…‘–”‹„—–‹‘• –‘™ƒ”†• •‘Žƒ”
‹””‹‰ƒ–‹‘ ’”‘Œ‡…–•Ǥ ‡•‹†‡•ǡ
 †‹•„—”•‡† ‰”‡‡ Ž‘ƒ –‘
‡•–ƒ„Ž‹•Š ͵ͷ •‘Žƒ” ’‘™‡”
’Žƒ–‹
ƒœ‹’—”Ǥ

Solar irrigation pump financed by MTBL

ʹͳ
Eastern Bank

ƒ•–‡” ƒ ‹–”‘†—…‡† ˆ‹”•–

…‘‡”…‹ƒŽ —•–ƒ‹ƒ„Ž‡ ‡”‰› ‘ƒ
Solar panel manufacturing plant
financed by Eastern Bank
Islami Bank
’”‘†—…–‹ƒ‰Žƒ†‡•ŠǤ–‹•„ƒ•‹…ƒŽŽ›ƒ
•—•–ƒ‹ƒ„Ž‡ ‡‡”‰› ˆ‹ƒ…‡ ’”‘†—…–
…‘˜‡”‹‰ –Š”‡‡ ƒ”‡ƒ• ƒ‡Ž› ‡‡”‰›
‡ˆˆ‹…‹‡…›ǡ ”‡‡™ƒ„Ž‡ ‡‡”‰› ƒ†
…Ž‡ƒ‡”’”‘†—…–‹‘Ǥƒ•–‡”ƒƒŽ•‘
‡š–‡†‡† ‹–• •—’’‘”– –‘ ƒŠ‹ƒˆ”‘‘œ
‡‡™ƒ„Ž‡ ‡”‰› –† ȋȌ –‘
‡•–ƒ„Ž‹•Š •‘Žƒ” ’ƒ‡Ž ƒ—ˆƒ…–—”‹‰
’Žƒ–‹•Š—Ž‹ƒǤ

•Žƒ‹ ƒ ˆ‘…—•‡• ‘ –Š‡ ƒ”‡ƒ• •—…Š

ƒ• ”‡‡™ƒ„Ž‡ ‡‡”‰›ǡ …Ž‡ƒ ™ƒ–‡”
•—’’Ž› ’”‘Œ‡…–ǡ ™ƒ•–‡ ™ƒ–‡” –”‡ƒ–‡–ǡ
„‹‘‰ƒ•ǡ„‹‘Ǧˆ‡”–‹Ž‹œ‡”ǡ‡–…Ǥ

Solar panel at the rooftop of Islami Bank

Bank Alfalah

ƒ ŽˆƒŽƒŠ ‹–”‘†—…‡† ˆ‹”•– ‡˜‡” •‘Žƒ”Ǧ

’‘™‡”‡†  „‘‘–Š ‹ –Š‡ …‘—–”›Ǥ –
’”‘˜‹†‡• —‹–‡””—’–‡† •‡”˜‹…‡• –‘ …Ž‹‡–•
™‹–Š‘—– …”‡ƒ–‹‰ †‡–”‹‡–ƒŽ ‡ˆˆ‡…– ‘ –Š‡
‡˜‹”‘‡–Ǥ

Bank Alfalah launched first ever

solar-powered ATM booth

ʹʹ
Challenges and way forward in green banking as seen by bankers

z ‘‘”†‹ƒ–‹‘ƒ‘‰…‘…‡”‡†ƒ—–Š‘”‹–‹‡•Ǥ
z ’‡‡†‹‰—’ƒ™ƒ”‡‡••ƒ†‡ˆˆ‡…–‹˜‡…ƒ’ƒ…‹–›„—‹Ž†‹‰Ǥ
z ‡†‹ƒ–‡ …‘…‡–”ƒ–‹‘ ‘ •‡…–‘”ƒŽ Ž‡†‹‰ ’‘Ž‹…‹‡• ƒ†
’”‘…‡†—”‡•Ǥ
z ‡‡† ˆ‘” ƒ’’Ž›‹‰ ƒ “—ƒ–‹–ƒ–‹˜‡ ƒ’’”‘ƒ…Š ˆ‘” ƒ ‘”‡ Œ—•–‹ˆ‹‡†
”ƒ–‹‰Ǥ ˜ ‹• ‘ –Š‡ „ƒ•‹• ‘ˆ ˜‹”‘‡–ƒŽ —‡ ‹Ž‹‰‡…‡
ȋȌ…Š‡…Ž‹•–—†‡”•—„Œ‡…–‹˜‡…”‹–‡”‹‘Ǥ
z Š‹ˆ–‹‰ ‘ˆ †‹ˆˆ‡”‡– …ƒ–‡‰‘”‹‡• ‘ˆ ‹†—•–”› ȋ•—…Š ƒ•ǡ ‰ƒ”‡–•ǡ
–‡š–‹Ž‡•ǡƒ†–ƒ‡”›Ȍ–‘ƒ’”‘’‡”Ž‘…ƒ–‹‘Ǥ
z ™ƒ”‡‡••‘ˆ–‘’ƒƒ‰‡‡–Ǥ
z …‘—”ƒ‰‹‰„‘””‘™‡”•–‘‰‘‰”‡‡Ǥ
z ‡‡† –‘ ƒ’’Ž› ‰”‡‡ „ƒ‹‰ ƒ† —•‡  ‰—‹†‡Ž‹‡ ‹ ‡ˆˆ‹…‹‡–
ƒ‡”Ǥ
z ‡˜‡Ž‘’ ƒ …—Ž–—”‡ ™‹–Š‹ –Š‡ ‘”‰ƒ‹œƒ–‹‘ „ƒ•‡† ‘
‡˜‹”‘‡–ƒŽ‰‘˜‡”ƒ…‡Ǥ
z ‡’Ž‹…ƒ–‡‰Ž‘„ƒŽƒ•™‡ŽŽƒ•Ž‘…ƒŽ„‡•–’”ƒ…–‹…‡•Ǥ
z Šƒ”‡‘™Ž‡†‰‡ƒ†–‡…Š‹…ƒŽ‘™Š‘™™‹–Š’‡‡”‰”‘—’•Ǥ
z —”–Š‡” ‹–‡‰”ƒ–‹‘ ™‹–Š …”‡†‹– ”‹• ƒƒ‰‡‡– ‹ –Š‡ ‘˜‡”ƒŽŽ
…”‡†‹–”‹•‡–Š‘†‘Ž‘‰›Ǥ
z ’’Ž›“—ƒ–‹–ƒ–‹˜‡ƒ’’”‘ƒ…Šˆ‘”‡˜‹”‘‡–ƒŽ”‹•”ƒ–‹‰Ǥ
z ‡‡†–‘†‡˜‡Ž‘’ƒ†ƒ–ƒ„ƒ•‡ˆ‘”–‡…Š‹…ƒŽƒ••‹•–ƒ…‡Ȁ‹••—‡•Ǥ

Concluding Remarks

‹–‹ƒ–‡† ”ƒ–Š‡” ”‡…‡–Ž› ‹ ʹͲͳͳǡ ‹‰”ƒ‹‹‰ ‘ˆ ‰”‡‡ „ƒ‹‰ ‹ –Š‡
ˆ‹ƒ…‹ƒŽ •‡…–‘” ‘ˆ ƒ‰Žƒ†‡•Š Šƒ• ƒŽ”‡ƒ†› ƒ†‡ •‹‰‹ˆ‹…ƒ– Š‡ƒ†™ƒ›Ǣ
‘–‹˜ƒ–‹‰ „ƒ‡”• ‹–‘ ƒ…–‹˜‹• –‘™ƒ”†• ‡˜‹”‘‡–ƒŽ ƒ™ƒ”‡‡•• ƒ†
‡˜‹”‘‡–ƒŽŽ› ”‡•’‘•‹„Ž‡ ˆ‹ƒ…‹‰Ǥ ‡ Šƒ˜‡ ™ƒ› ˆ—”–Š‡” –‘ ‰‘
Š‘™‡˜‡”‹…ƒ””›‹‰ˆ‘”™ƒ”†–Š‡’”‘…‡••‡•ƒ†‹‘‹–‘”‹‰‘ˆ’”‘‰”‡••Ǥ
–Š‡’”‘‰”‡••’ƒ–Š‘ˆƒ‰Žƒ†‡•Š̵•ˆ‹ƒ…‹ƒŽ•‡…–‘”‹‰”‡‡„ƒ‹‰™‹–Š
—ˆƒŽ–‡”‹‰ǡ •–‡ƒ†ˆƒ•– …‘‹–‡–ǡ ƒ‰Žƒ†‡•Š ƒ Ž‘‘• ˆ‘”™ƒ”† –‘
…‘‘’‡”ƒ–‹‘ ™‹–Š ‘–Š‡” …‡–”ƒŽ „ƒ• ƒ† ‰”‡‡ „ƒ‹‰ ’”‘–ƒ‰‘‹•–• „›
™ƒ›‘ˆ•—’’‘”–ƒ†—–—ƒŽŽ‡ƒ”‹‰ˆ”‘‡ƒ…Š‘–Š‡”̵•‡š’‡”‹‡…‡•Ǥ

ʹ͵
 Annexure A

Green Banking Activities at a Glance

x Ͷͷ„ƒ•Šƒ˜‡ˆ‘”—Žƒ–‡†’‘Ž‹…›ˆ‘”‰”‡‡„ƒ‹‰
x Ͷ͸„ƒ•Šƒ˜‡ˆ‘”‡†ƒ
”‡‡ƒ‹‰‹–
x Ͷͳ„ƒ•Šƒ˜‡‹–”‘†—…‡†ƒ
”‡‡ˆˆ‹…‡
—‹†‡
x ˜Šƒ•„‡‡†‘‡ˆ‘”ͳ͵ǡ͹͹ͻ’”‘Œ‡…–• 
x ˜Šƒ•„‡‡†‘‡ˆ‘”ʹǡͻʹ͸’”‘Œ‡…–• 
x ͳ͵ǡͺ͵͵”ƒ–‡†’”‘Œ‡…–•Šƒ˜‡„‡‡ˆ‹ƒ…‡† 
x ͵ǡͲ͸ͻ ”ƒ–‡† ’”‘Œ‡…–• Šƒ˜‡ „‡‡ ˆ‹ƒ…‡†
x ͳ͵ǡͲ͹ǡͶ͹ͻǤ͸Ͷ‹ŽŽ‹‘–ƒƒŠƒ•„‡‡†‹•„—”•‡†
x ͷǡͳ͵ǡͶͳͻǤ͵ͻ‹ŽŽ‹‘ –ƒƒŠƒ• „‡‡ †‹•„—”•‡†
x ʹͳʹ”ƒ…Š‡•ƒ†ͳͷͲ—‹–Ȁƒ”‡’‘™‡”‡†„›•‘Žƒ”‡‡”‰›
x ͵͹„ƒ•ƒ”‡ˆ—ŽŽ›ƒ—–‘ƒ–‡†
x ͵ʹʹ͸ „”ƒ…Š‡• Šƒ˜‡ „‡‡ ˆƒ…‹Ž‹–ƒ–‡† ™‹–Š ‘Ž‹‡ …‘˜‡”ƒ‰‡
x ͺ „ƒ• Šƒ˜‡ —–‹Ž‹œ‡† ƒƒ ͻǤ͹Ͷ ‹ŽŽ‹‘ ˆ”‘ Ž‹ƒ–‡ Šƒ‰‡ ‹•
—† ȋ†—”‹‰ —Ž›Ǧ‡’–‡„‡”ǡʹͲͳʹȌ
x ƒ•Šƒ˜‡ˆ‹ƒ…‡†ƒƒ͵ʹ͹͵Ǥ͸ͻ‹ŽŽ‹‘ƒ•
”‡‡ ‹ƒ…‡‘–Š‡”
–Šƒ’”‘Œ‡…–•ǤŠƒ˜‹‰Ǥȋ†—”‹‰ ƒ—”ƒ›Ǧ‡’–‡„‡”ǡʹͲͳʹ
x – Ž‡ƒ•– –™‘ „ƒ• Šƒ˜‡ …”‡ƒ–‡† –™‘ –”—•– ˆ—†• ˆ‘” ”‡™ƒ”†‹‰
‹†‹˜‹†—ƒŽ• ƒ† …‘”’‘”ƒ–‡ ˆ‘” –Š‡‹” ‘—–•–ƒ†‹‰ …‘–”‹„—–‹‘•
–‘™ƒ”†• ”ƒ‹•‹‰ …‘•…‹‘—•‡•• ƒ† ƒ††”‡••‹‰ ‹••—‡• ”‡Žƒ–‡† –‘
…Ž‹ƒ–‡…Šƒ‰‡


ʹͶ
 Annexure B

Green Banking Slogans of Banks

z ƒ˜‡’ƒ’‡”ǡ•ƒ˜‡–”‡‡•Ǥ
z ‘•‡”˜‡‡‡”‰›ǡ…‘•‡”˜‡ƒ–—”ƒŽ”‡•‘—”…‡•Ǥ
z ƒ››‘—”„‹ŽŽ•‘Ž‹‡Ǥ
z —”‘ˆˆ–Š‡–ƒ’™Š‡‘–‡‡†‡†Ǥ
z Ž™ƒ›•—•‡ƒ…Ž‘–Š„ƒ‰Ǥ
z ‡†—…‡ǡ”‡—•‡ƒ†”‡…›…Ž‡Ǥ
z ‹‰‹–‹œ‡›‘—”•‡ŽˆǤ
z Š‹„‡ˆ‘”‡›‘—’”‡••–Š‡„—––‘Ǥ
z ˜‡”›–Š‹‰Šƒ•–™‘•‹†‡•Ǥ
z ‡’ƒ’‡”Ž‡••Ǧ‹…–Š‡Šƒ„‹–Ǥ
z •‡…ƒ”’‘‘Ž•–‘‰‘–‘™‘”Ǥ
z ’Ž—‰‡Ž‡…–”‘‹…†‡˜‹…‡•™Š‹Ž‡‘–‹—•‡Ǥ

Special Events/Features of Banks

Special Events/ Features of
Banks
ƒ ™‹–…Š‹‰‘ˆˆƒŽŽƒ‹”…‘†‹–‹‘•
ƒ†—‡…‡••ƒ”›Ž‹‰Š–•†—”‹‰͵ǦͶ
‘ˆ‡ƒ…Š—†ƒ›Ǥ
ƒ•‹ƒ ‘”•Š‘’‘Ǯǯ
”‡‡ƒ‹‰ǯǯ–‘
…‘‡‘”ƒ–‡–Š‡‘”Ž†
˜‹”‘‡–ƒ›‘ —‡ͷǡʹͲͳʹǤ
ŽŽ‡„‡”•‘ˆ—ƒ‡•‘—”…‡•
‡’ƒ”–‡–™‘”‡†—•‹‰ƒ›
Ž‹‰Š–ƒ†™‹–Š‘—–‹”
…‘†‹–‹‘‹‰‘ —‡͵ͲǡʹͲͳʹ
ǦŽ‡ƒ”‹‰ȋȌ
–ƒ†ƒ”†Šƒ”–‡”‡† „•‡”˜‡†ƒ”–Šƒ›Ȁ
˜‹”‘‡–ƒ› 
—–—ƒŽ”—•–ƒ 
–”‘†—…–‹‘‘ˆƒ”–Š‘—”
‘‡”…‹ƒŽƒ‘ˆ‡›Ž‘ ……‡’–ƒ…‡‘ˆ—–‹Ž‹–›„‹ŽŽ–Š”‘—‰Š
 
‹–‡”‡–

ʹͷ
 Annexure - C
Progress in Green Banking- League Table

SIBL

Bank Asia

Shahjalal Islami
Rupali

IFIC

EXIM

BASIC

Janata

Standard Chartered
Sonali
‘’ͳͲƒ•‹„—†‰‡–ƒŽŽ‘…ƒ–‹‘ˆ‘”‰”‡‡ˆ‹ƒ…‡‹ʹͲͳʹ
ȋ‹‹ŽŽ‹‘ƒƒȌ
Bank Asia

SIBL
Rupali

IFIC

EXIM

BASIC
Sonali

Standard Chartered

One
Shahjalal Islami

Trust
National
BASIC
Mutual Trust
BDBL
Prime
One Bank
Islami
Bank Asia
Exim

ʹ͸
 Social Islami
BASIC
Rupali
Prime
Exim
Islami
National
Agrani
IFIC

Rupali
UCBL
Pubali
HSBC
Islami
SIBL
ICB Islamic
RAKUB

‘’ͳͲ„ƒ•‹˜†—”‹‰ —Ž›Ǧ‡’–‡„‡”ǡʹͲͳʹ
No. of projects rated

St.Chart

Bank Asia

SIBL

Jamuna

BASIC

EXIM

Dhaka
Shahjalal
AB

IFIC

ʹ͹
 Annexure D ‡„•‹–‡ǣ™™™Ǥ„ƒ‰Žƒ†‡•ŠǦ„ƒǤ‘”‰
™™™Ǥ„ƒ‰Žƒ†‡•Š„ƒǤ‘”‰Ǥ„†
ƒ‹‰‡‰—Žƒ–‹‘ƒ†‘Ž‹…›‡’ƒ”–‡–
ƒ‰Žƒ†‡•Šƒ
‡ƒ†ˆˆ‹…‡
‹”…—Žƒ”‘ǤͲͳ ƒ—ƒ”›͵ͲǡʹͲͳͳ
Š‹‡ˆš‡…—–‹˜‡•
Šƒƒ
ƒ–‡ǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦ
ŽŽ…Š‡†—Ž‡†ƒ•‹ƒ‰Žƒ†‡•Š
ƒ‰Šͳ͹ǡͳͶͳ͹
‡ƒ”‹”

Guidelines on Environmental Risk Management (ERM)

‘—ƒ”‡ƒ™ƒ”‡–Šƒ––Š‡•–ƒ–‡‘ˆ‡˜‹”‘‡–‹ƒ‰Žƒ†‡•Š‹•†‡–‡”‹‘”ƒ–‹‰•‹‰‹ˆ‹…ƒ–Ž›ǤŠ‡‡›ƒ”‡ƒ•
‘ˆ†‡–‡”‹‘”ƒ–‹‘‹…Ž—†‡Žƒ††‡‰”ƒ†ƒ–‹‘ǡ™ƒ–‡”’‘ŽŽ—–‹‘ƒ†•…ƒ”…‹–›ǡƒ‹”’‘ŽŽ—–‹‘ǡ„‹‘†‹˜‡”•‹–›
”‡•‘—”…‡• ƒ† ‹’ƒ…–• ‘ˆ ƒ–—”ƒŽ †‹•ƒ•–‡”•Ǥ ƒ’‹† ’‘’—Žƒ–‹‘ ‰”‘™–Šǡ ‹’”‘’‡” —•‡ ‘ˆ Žƒ†ǡ ’‘‘”
”‡•‘—”…‡ ƒƒ‰‡‡– ƒ† —…‘–”‘ŽŽ‡† †‹•…Šƒ”‰‡ ‘ˆ ’‘ŽŽ—–ƒ–• ƒ”‡ –Š‡ ƒŒ‘” …ƒ—•‡•Ǥ  ƒ††‹–‹‘ǡ
ƒ‰Žƒ†‡•Š‹•‘‡‘ˆ–Š‡‘•–…Ž‹ƒ–‡…Šƒ‰‡˜—Ž‡”ƒ„Ž‡…‘—–”‹‡•ƒ†ˆŽ‘‘†•ǡ–”‘’‹…ƒŽ…›…Ž‘‡•ǡ•–‘”
•—”‰‡•ǡ †”‘—‰Š–• ƒ”‡ Ž‹‡Ž› –‘ „‡…‘‡ ‘”‡ ˆ”‡“—‡– ƒ† •‡˜‡”‡ ‹ –Š‡ …‘‹‰ ›‡ƒ”•Ǥ ƒ•Ȁ • ‹
ƒ‰Žƒ†‡•Š‡‡†–‘’”‘–‡…––Š‡‹”ˆ‹ƒ…‹‰ˆ”‘–Š‡”‹••ƒ”‹•‹‰‘—–‘ˆ–Š‡†‡–‡”‹‘”ƒ–‹‰‡˜‹”‘‡–ƒŽ
•…‡ƒ”‹‘ƒ†…Ž‹ƒ–‡…Šƒ‰‡Ǥ
  ˜‹‡™  ‘ˆ  –Š‡  ƒ„‘˜‡ǡ  ƒ‰Žƒ†‡•Š  ƒ  Šƒ•  ’”‡’ƒ”‡†  –Š‡ 
—‹†‡Ž‹‡•  ‘    –‘  •–”‡ƒŽ‹‡
•‘Ž—–‹‘•ˆ‘”ƒƒ‰‹‰–Š‡‡˜‹”‘‡–ƒŽ”‹••‹–Š‡ˆ‹ƒ…‹ƒŽ•‡…–‘”ǤŠ‡•‡‰—‹†‡Ž‹‡•™‡”‡’”‡’ƒ”‡†
‹ƒ…‘•—Ž–ƒ–‹˜‡ƒ‡”™‹–Š•‡˜‡”ƒŽ”‘—†•‘ˆ‹’—–•Ȁ†‹•…—••‹‘•ˆ”‘ƒ•ƒ† •Ǥ

Š‡”‡ ƒ”‡ ˆ‘—” ’ƒ”–• –‘ –Š‡•‡

—‹†‡Ž‹‡•ǣ  ȋͳȌ –”‘†—…–‹‘ǡ ȋʹȌ ”‰ƒ‹œƒ–‹‘ƒŽ ‡“—‹”‡‡–•ǡ ȋ͵Ȍ
‡…Š‹…ƒŽ ƒ—ƒŽ ƒ† ȋͶȌ ‡…Š‹…ƒŽ ‡š‡•Ǥ Š‡ ˆ‹”•– ’ƒ”– ’”‘˜‹†‡• –Š‡ ‘˜‡”ƒŽŽ …‘–‡š–ǡ †‡ˆ‹‡•
‡˜‹”‘‡–ƒŽ ƒ† …Ž‹ƒ–‡ …Šƒ‰‡ ”‹••ǡ ‘—–Ž‹‡• –Š‡ ’—”’‘•‡ǡ Ž‹• ™‹–Š …”‡†‹– ”‹• ƒƒ‰‡‡– ƒ†
’”‘˜‹†‡•‹ˆ‘”ƒ–‹‘ƒ„‘—–Š‘™–Š‡•‡‰—‹†‡Ž‹‡•™‡”‡†‡˜‡Ž‘’‡†ƒ†ƒ”‡–‘„‡—•‡†ǤŠ‡•‡…‘†’ƒ”–
…‘˜‡”•–Š‡‘”‰ƒ‹œƒ–‹‘ƒŽ”‡“—‹”‡‡–•–Šƒ–‹…Ž—†‡’‘Ž‹…‹‡•ǡ”‘Ž‡•ǡ”‡•’‘•‹„‹Ž‹–‹‡•ƒ†ƒ—–Š‘”‹–‹‡•ƒ†
’”‘…‡†—”‡•ǤŠ‡–Š‹”†’ƒ”–‹•–Š‡–‡…Š‹…ƒŽƒ—ƒŽ–Šƒ–’”‘˜‹†‡•†‹”‡…–‹‘•‘…‘†—…–‹‰ƒ’”‡Ž‹‹ƒ”›
”‡˜‹‡™ȋ™‹–Š†—‡†‹Ž‹‰‡…‡…Š‡…Ž‹•–•Ȍƒ†ƒŽ•‘–Š‡†‡–ƒ‹Ž‡†‡˜‹”‘‡–ƒŽ”‡˜‹‡™ǤŠ‡ˆ‘—”–Šƒ†Žƒ•–
’ƒ”–‹…Ž—†‡•–Š‡–‡…Š‹…ƒŽƒ‡š—”‡–Šƒ–‹…Ž—†‡•
‡‡”ƒŽ˜‹”‘‡–ƒŽ—‡‹Ž‹‰‡…‡Š‡…Ž‹•–
ƒ†–Š‡˜ƒ”‹‘—•˜‹”‘‡–ƒŽ—‡‹Ž‹‰‡…‡Š‡…Ž‹•–•…‘˜‡”‹‰ͳͲ•‡…–‘”•ȏ‰”‹Ǧ„—•‹‡••ȋ‘—Ž–”›Ƭ
ƒ‹”›Ȍǡ ‡‡–ǡ Š‡‹…ƒŽ• ȋ ‡”–‹Ž‹œ‡”•ǡ ‡•–‹…‹†‡• ƒ† Šƒ”ƒ…‡—–‹…ƒŽ•Ȍǡ ‰‹‡‡”‹‰ ƒ† „ƒ•‹… ‡–ƒŽǡ
‘—•‹‰ǡ—Ž’Ƭ’ƒ’‡”ǡ—‰ƒ”Ƭ†‹•–‹ŽŽ‡”‹‡•ǡƒ‡”›ǡ‡š–‹Ž‡ƒ†ƒ’’ƒ”‡Ž•ǡŠ‹’„”‡ƒ‹‰ȐǤƒ•Ȁ •ƒ›
‰‘ˆ‘”‘”‡˜‹”‘‡–ƒŽ—‡‹Ž‹‰‡…‡Š‡…Ž‹•–•ˆ‘”‘–Š‡”•‡…–‘”•ƒ•ƒ†™Š‡”‡“—‹”‡†Ǥ
‘™ǡˆ‘”–Š‡ƒ™ƒ”‡‡••ƒ†’”‡’ƒ”‡†‡••ˆ‘”‡ƒ•›ƒ†‘’–‹‘ƒ†•‘‘–Š…‘’Ž‹ƒ…‡‘ˆ‰—‹†‡Ž‹‡•
„› —‡ ͵Ͳǡ ʹͲͳͳǡ ƒ •‘ˆ– …‘’› ‘ˆ  ‰—‹†‡Ž‹‡• Šƒ• „‡‡ ƒ†‡ ƒ˜ƒ‹Žƒ„Ž‡ ‹ –Š‡  ™‡„•‹–‡ǣ
™™™Ǥ„ƒ‰Žƒ†‡•ŠǦ„ƒǤ‘”‰‘”™™™Ǥ„ƒ‰Žƒ†‡•Š„ƒǤ‘”‰Ǥ„†Ǥ

ƒ•ƒ”‡ƒ†˜‹•‡†–‘‰‹˜‡•—‰‰‡•–‹‘•‹ˆ–Š‡›ˆƒ…‡’”‘„Ž‡‹–Š‡‹’Ž‡‡–ƒ–‹‘‘ˆ–Š‡‰—‹†‡Ž‹‡•„›
ƒ”…Š ͵ͳǡ  ʹͲͳͳǤ  ™‹ŽŽ …‘–‹—‡ ‹–• •—’’‘”– ƒ† ˆƒ…‹Ž‹–ƒ–‡ „ƒ• „› …‘†—…–‹‰ ‡š…Ž—•‹˜‡ –”ƒ‹‹‰
’”‘‰”ƒ‡ǡ•‡‹ƒ”‘”™‘”•Š‘’—’‘–Š‡”‡“—‡•–ˆ”‘–Š‡„ƒ•ˆ‘”–Š‡‹”…ƒ’ƒ…‹–›„—‹Ž†‹‰‘
‹••—‡Ǥ

‹…‡†‡˜‡Ž‘’‡–‹•ƒ…‘–‹—‘—•’”‘…‡••ǡ–Š‡”‡™‹ŽŽƒŽ™ƒ›•„‡•…‘’‡ˆ‘”ƒ‹‰ƒ†Œ—•–‡––‘†‡˜‡Ž‘’
‰—‹†‡Ž‹‡•ǤŠ‡•‡
—‹†‡Ž‹‡•ƒ”‡†›ƒ‹…†‘…—‡–•ǡ™Š‹…Š™‹ŽŽ„‡”‡˜‹•‡†ƒ•ƒ†™Š‡”‡“—‹”‡†
ƒ†ƒ–Ž‡ƒ•–‘…‡‹‡˜‡”›–Š”‡‡›‡ƒ”•ǤŠ‡•–”—…–—”‡‘ˆ–Š‡‰—‹†‡Ž‹‡•’”‘˜‹†‡–Š‡‹‹—–Šƒ–‡‡†•–‘
„‡‹’Žƒ…‡ƒ†ƒ”‡‹–‡†‡†–‘ƒ‡ƒ˜ƒ‹Žƒ„Ž‡ƒ…‘‘’Žƒ–ˆ‘”ˆ”‘™Š‹…Š‹†‹˜‹†—ƒŽ„ƒ•ƒ†
ˆ‹ƒ…‹ƒŽ‹•–‹–—–‹‘•…ƒŽƒ—…Š–Š‡‹”‘™‡˜‹”‘‡–ƒŽ”‹•ƒ••‡••‡–ˆ”ƒ‡™‘”Ǥ
Ž‡ƒ•‡ƒ…‘™Ž‡†‰‡”‡…‡‹’–Ǥ
‘—”••‹…‡”‡Ž›

ȋǤǤ„†—Žƒ†‘‘†Ȍ

‡‡”ƒŽƒƒ‰‡”
Š‘‡ǣ͹ͳͳ͹ͺʹͷ

ʹͺ
 Annexure E ‡„•‹–‡ǣ™™™Ǥ„ƒ‰Žƒ†‡•ŠǦ„ƒǤ‘”‰
™™™Ǥ„ƒ‰Žƒ†‡•Š„ƒǤ‘”‰Ǥ„†
™™™Ǥ„„Ǥ‘”‰Ǥ„†
ƒ‹‰‡‰—Žƒ–‹‘Ƭ‘Ž‹…›‡’ƒ”–‡–
ƒ‰Žƒ†‡•Šƒ
‡ƒ†ˆˆ‹…‡
Šƒƒ
‹”…—Žƒ”‘ǤͲʹ ‡„”—ƒ”›ʹ͹ǡʹͲͳͳ
ƒ–‡ǣǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤǤ
Š‹‡ˆš‡…—–‹˜‡•
ƒŽ‰—ͳͷǡͳͶͳ͹
ŽŽ…Š‡†—Ž‡†ƒ•‹ƒ‰Žƒ†‡•Š

Policy Guidelines for Green Banking

Introduction:

‡ ƒ”‡ ƒ™ƒ”‡ –Šƒ– ‰Ž‘„ƒŽ ™ƒ”‹‰ ‹• ƒ ‹••—‡ –Šƒ– …ƒŽŽ• ˆ‘” ƒ ‰Ž‘„ƒŽ
”‡•’‘•‡ǤŠ‡”ƒ’‹†…Šƒ‰‡‹…Ž‹ƒ–‡™‹ŽŽ„‡–‘‘‰”‡ƒ––‘ƒŽŽ‘™ƒ›‡…‘Ǧ
•›•–‡• –‘ •—‹–ƒ„Ž› ƒ†ƒ’–ǡ •‹…‡ –Š‡ …Šƒ‰‡ Šƒ˜‡ †‹”‡…– ‹’ƒ…– ‘
„‹‘†‹˜‡”•‹–›ǡ ƒ‰”‹…—Ž–—”‡ǡ ˆ‘”‡•–”›ǡ †”› Žƒ†ǡ ™ƒ–‡” ”‡•‘—”…‡• ƒ† Š—ƒ
Š‡ƒŽ–ŠǤ —‡ –‘ ——•—ƒŽ ™‡ƒ–Š‡” ’ƒ––‡”ǡ ”‹•‹‰ ‰”‡‡Š‘—•‡ ‰ƒ•ǡ †‡…Ž‹‹‰
ƒ‹” “—ƒŽ‹–› ‡–…Ǥ •‘…‹‡–› †‡ƒ†• –Šƒ– „—•‹‡•• ƒŽ•‘ –ƒ‡ ”‡•’‘•‹„‹Ž‹–› ‹
•ƒˆ‡‰—ƒ”†‹‰ –Š‡ ’Žƒ‡–Ǥ
”‡‡ ˆ‹ƒ…‡ ƒ• ƒ ’ƒ”– ‘ˆ
”‡‡ ƒ‹‰ ƒ‡•
‰”‡ƒ– …‘–”‹„—–‹‘ –‘ –Š‡ –”ƒ•‹–‹‘ –‘ ”‡•‘—”…‡Ǧ‡ˆˆ‹…‹‡– ƒ† Ž‘™ …ƒ”„‘
‹†—•–”‹‡• ‹Ǥ‡Ǥ ‰”‡‡ ‹†—•–”› ƒ† ‰”‡‡ ‡…‘‘› ‹ ‰‡‡”ƒŽǤ
”‡‡
„ƒ‹‰‹•ƒ…‘’‘‡–‘ˆ–Š‡‰Ž‘„ƒŽ‹‹–‹ƒ–‹˜‡„›ƒ‰”‘—’‘ˆ•–ƒ‡Š‘Ž†‡”•
–‘ •ƒ˜‡ ‡˜‹”‘‡–Ǥ Š‡ •–ƒ–‡ ‘ˆ ‡˜‹”‘‡– ‹ ƒ‰Žƒ†‡•Š ‹• ”ƒ’‹†Ž›
†‡–‡”‹‘”ƒ–‹‰Ǥ Š‡ ‡› ƒ”‡ƒ• ‘ˆ ‡˜‹”‘‡–ƒŽ †‡‰”ƒ†ƒ–‹‘ …‘˜‡” ƒ‹”
’‘ŽŽ—–‹‘ǡ™ƒ–‡”’‘ŽŽ—–‹‘ƒ†•…ƒ”…‹–›ǡ‡…”‘ƒ…Š‡–‘ˆ”‹˜‡”•ǡ‹’”‘’‡”
†‹•’‘•ƒŽ‘ˆ‹†—•–”‹ƒŽ‡†‹…ƒŽƒ†Š‘—•‡ǦŠ‘Ž†™ƒ•–‡ǡ†‡ˆ‘”‡•–ƒ–‹‘ǡŽ‘••‘ˆ
‘’‡•’ƒ…‡ƒ†Ž‘••‘ˆ„‹‘†‹˜‡”•‹–›Ǥƒ††‹–‹‘ǡƒ‰Žƒ†‡•Š‹•‘‡‘ˆ–Š‡
‘•–…Ž‹ƒ–‡…Šƒ‰‡˜—Ž‡”ƒ„Ž‡…‘—–”‹‡•ǤŽ‹‡™‹–Š‰Ž‘„ƒŽ†‡˜‡Ž‘’‡–
ƒ† ”‡•’‘•‡ –‘ –Š‡ ‡˜‹”‘‡–ƒŽ †‡‰”ƒ†ƒ–‹‘ǡ ˆ‹ƒ…‹ƒŽ •‡…–‘” ‹
ƒ‰Žƒ†‡•Š•Š‘—Ž†’Žƒ›‹’‘”–ƒ–”‘Ž‡•ƒ•‘‡‘ˆ–Š‡‡›•–ƒ‡Š‘Ž†‡”•Ǥ

”‡•’‘•‡–‘–Š‡ƒ„‘˜‡ǡ—”‰‡–‡ƒ•—”‡•ƒ”‡”‡“—‹”‡†„›•–ƒ‡Š‘Ž†‡”•
ˆ‘” •—•–ƒ‹ƒ„Ž‡ †‡˜‡Ž‘’‡– ƒ† –Š‡”‡„› •ƒ˜‡ –Š‡ ’Žƒ‡–Ǥ ƒ• Š‘Ž† ƒ
—‹“—‡’‘•‹–‹‘‹ƒ‡…‘‘‹…•›•–‡–Šƒ–…ƒƒˆˆ‡…–’”‘†—…–‹‘ǡ„—•‹‡••
ƒ†‘–Š‡”‡…‘‘‹…ƒ…–‹˜‹–‹‡•–Š”‘—‰Š–Š‡‹”ˆ‹ƒ…‹‰ƒ…–‹˜‹–‹‡•ƒ†–Š—•

ʹͻ
ƒ› …‘–”‹„—–‡ –‘ ’‘ŽŽ—–‡ ‡˜‹”‘‡–Ǥ ‘”‡‘˜‡”ǡ ‡‡”‰› ƒ† ™ƒ–‡”
‡ˆˆ‹…‹‡…› ƒ† ™ƒ•–‡ ”‡†—…–‹‘ ƒ”‡ ‘ˆ Š‹‰Š …‘…‡” ˆ‘” ƒ› „‹‰ „ƒ•Ǥ

”‡‡ „ƒ• ‘” ‡˜‹”‘‡–ƒŽŽ› ”‡•’‘•‹„Ž‡ „ƒ• †‘ ‘– ‘Ž› ‹’”‘˜‡
–Š‡‹”‘™•–ƒ†ƒ”†•„—–ƒŽ•‘ƒˆˆ‡…–•‘…‹ƒŽŽ›”‡•’‘•‹„Ž‡„‡Šƒ˜‹‘”‘ˆ‘–Š‡”
„—•‹‡••Ǥ

Bangladesh Bank's Earlier Initiatives:

‹•™‡ŽŽƒ™ƒ”‡‘ˆ–Š‡‡˜‹”‘‡–ƒŽ†‡‰”ƒ†ƒ–‹‘•‹–—ƒ–‹‘ƒ•‡–‹‘‡†
ƒ„‘˜‡ƒ†Šƒ•ƒŽ”‡ƒ†›‰‹˜‡–‹‡–‘–‹‡†‹”‡…–‹‘•–‘ƒŽŽ•…Š‡†—Ž‡†„ƒ•Ǥ
‘‡”…‹ƒŽ ƒ• ƒ”‡ ‘™ ”‡“—‹”‡† –‘ ‡•—”‡ ‡…‡••ƒ”› ‡ƒ•—”‡• –‘
’”‘–‡…– ‡˜‹”‘‡–ƒŽ ’‘ŽŽ—–‹‘ ™Š‹Ž‡ ˆ‹ƒ…‹‰ ƒ ‡™ ’”‘Œ‡…– ‘”
’”‘˜‹†‹‰ ™‘”‹‰ …ƒ’‹–ƒŽ –‘ –Š‡ ‡š‹•–‹‰ ‡–‡”’”‹•‡•Ǥ ƒ• Šƒ˜‡ „‡‡
ƒ†˜‹•‡† –‘ ˆƒ…‹Ž‹–ƒ–‡ –Š‡‹” …Ž‹‡–• ™‹–Š —–‘•– …ƒ”‡ ‹ ‘’‡‹‰ ‡––‡” ‘ˆ
”‡†‹– ȋȀȌ ˆ‘” ‹•–ƒŽŽƒ–‹‘ ‘ˆ ˆˆŽ—‡– ”‡ƒ–‡– Žƒ–ȋȌ ‹ –Š‡
‹†—•–”‹ƒŽ—‹–•Ǥƒ•Šƒ˜‡„‡‡ƒ†˜‹•‡†–‘ˆ‹ƒ…‡‹‘Žƒ”‡”‰›ǡ‹‘Ǧ
‰ƒ•ǡ  ƒ† ›„”‹† ‘ˆˆƒ ‹Ž ȋȌ ‹ „”‹… ˆ‹‡Ž† —†‡” ”‡ˆ‹ƒ…‡
’”‘‰”ƒ‡ ‘ˆ Ǥ  …‘’”‡Š‡•‹˜‡ ‰—‹†‡Ž‹‡• ‘ ‘”’‘”ƒ–‡ ‘…‹ƒŽ
‡•’‘•‹„‹Ž‹–› ȋȌ Šƒ• „‡‡ ‹••—‡† ™Š‡”‡ „ƒ• Šƒ˜‡ „‡‡ ƒ•‡† –‘
…‘…‡–”ƒ–‡ Šƒ”† ‘ Ž‹‹‰  ƒ– –Š‡‹” Š‹‰Š‡•– …‘”’‘”ƒ–‡ Ž‡˜‡Ž ˆ‘”
‹‰”ƒ‹‹‰ ‡˜‹”‘‡–ƒŽŽ› ƒ† •‘…‹ƒŽŽ›  ”‡•’‘•‹„Ž‡  ’”ƒ…–‹…‡•  ƒ† 
‡‰ƒ‰‹‰™‹–Š„‘””‘™‡”•‹•…”—–‹›‘ˆ–Š‡‡˜‹”‘‡–ƒŽƒ†•‘…‹ƒŽ
‹’ƒ…–•Ǥƒ•Šƒ˜‡„‡‡„”‘—‰Š–—†‡”–Š‡’—”˜‹‡™‘ˆǦ…‘‡”…‡
™‹–Šƒ˜‹‡™–‘’”‘˜‹†‹‰–Š‡…—•–‘‡”•™‹–Š‘Ž‹‡Ǧ„ƒ‹‰ˆƒ…‹Ž‹–‹‡•
…‘˜‡”‹‰’ƒ›‡–•‘ˆ—–‹Ž‹–›„‹ŽŽ•ǡ‘‡›–”ƒ•ˆ‡”ƒ†–”ƒ•ƒ…–‹‘•‹Ž‘…ƒŽ
…—””‡…› –Š”‘—‰Š ‹–‡”‡– ƒ• ™‡ŽŽǤ ‘•‹†‡”‹‰ –Š‡ ƒ†˜‡”•‡ ‡ˆˆ‡…–• ‘ˆ
Ž‹ƒ–‡Šƒ‰‡ǡ„ƒ•Šƒ˜‡„‡‡ƒ†˜‹•‡†–‘„‡…ƒ—–‹‘—•ƒ„‘—––Š‡ƒ†˜‡”•‡
‹’ƒ…– ‘ˆ  ƒ–—”ƒŽ …ƒŽƒ‹–‹‡• ƒ† ‡…‘—”ƒ‰‡ –Š‡ ˆƒ”‡”• –‘ …—Ž–‹˜ƒ–‡
•ƒŽ‹‹–› ”‡•‹•–ƒ– …”‘’• ‹ –Š‡ •ƒŽ–› ƒ”‡ƒ•ǡ ™ƒ–‡” ”‡•‹•–ƒ– …”‘’• ‹ –Š‡
™ƒ–‡”Ž‘…‡†ƒ†ˆŽ‘‘†’”‘‡ƒ”‡ƒ•ǡ†”‘—‰Š–”‡•‹•–ƒ–…”‘’•‹–Š‡†”‘—‰Š–
’”‘‡ ƒ”‡ƒ•ǡ —•‹‰ •—”ˆƒ…‡ ™ƒ–‡” ‹•–‡ƒ† ‘ˆ —†‡”‰”‘—† ™ƒ–‡” ˆ‘”
‹””‹‰ƒ–‹‘ ƒ† ƒŽ•‘ —•‹‰ ‘”‰ƒ‹… ˆ‡”–‹Ž‹œ‡”ǡ ‹•‡…–‹…‹†‡• „› ƒ–—”ƒŽ ‡ƒ•
‹•–‡ƒ†‘ˆ—•‹‰…Š‡‹…ƒŽˆ‡”–‹Ž‹œ‡”ƒ†’‡•–‹…‹†‡•Ǥ

Adopting Green Banking Policy:

‘™ ‹– ‹• –Š‡ Š‹‰Š –‹‡ ˆ‘” –Š‡ „ƒ• –‘ ƒ†‘’– ƒ …‘’”‡Š‡•‹˜‡
”‡‡
ƒ‹‰ ‘Ž‹…› ‹ ƒ ˆ‘”ƒŽ ƒ† •–”—…–—”‡† ƒ‡” ‹ Ž‹‡ ™‹–Š ‰Ž‘„ƒŽ
‘”••‘ƒ•–‘’”‘–‡…–‡˜‹”‘‡–ƒŽ†‡‰”ƒ†ƒ–‹‘ƒ†‡•—”‡•—•–ƒ‹ƒ„Ž‡
„ƒ‹‰’”ƒ…–‹…‡•Ǥ

͵Ͳ
‹–Š ƒ ˜‹‡™ –‘ †‡˜‡Ž‘’‹‰ ‰”‡‡ „ƒ‹‰ ’”ƒ…–‹…‡• ‹ –Š‡ …‘—–”›ǡ ƒ
‹†‹…ƒ–‹˜‡
”‡‡ ƒ‹‰  ‘Ž‹…›  ƒ†  –”ƒ–‡‰›  ˆ”ƒ‡™‘”  Šƒ•  „‡‡ 
†‡˜‡Ž‘’‡†ˆ‘”–Š‡„ƒ•‹–Š‡ˆ‘ŽŽ‘™‹‰ƒ‡”ǣ

”‡‡ƒ‹‰‘Ž‹…›‡‡†•–‘„‡…‘˜‡”‡†–Š”‘—‰Š–‹‡ˆ”ƒ‡™‘”™Š‹…Š
™‹ŽŽ„‡•‡‰”‡‰ƒ–‡†‹–‘͵’Šƒ•‡•Ǥ

1. Phase-I
ƒ•  ƒ”‡  –‘  †‡˜‡Ž‘’  ‰”‡‡  „ƒ‹‰  ’‘Ž‹…‹‡•  ƒ†  •Š‘™  ‰‡‡”ƒŽ 
…‘‹–‡–  ‘ ‡˜‹”‘‡– –Š”‘—‰Š ‹ǦŠ‘—•‡ ’‡”ˆ‘”ƒ…‡Ǥ Š‡ –‹‡
Ž‹‹‰ ˆ‘” –Š‡ ƒ…–‹‘• –‘ „‡ –ƒ‡ —†‡” Šƒ•‡Ǧ •Š‘—Ž† ‘– ‡š…‡‡†
‡…‡„‡”͵ͳǡʹͲͳͳǤ

1.1 Policy Formulation and Governance

ƒ •ŠƒŽŽ ˆ‘”—Žƒ–‡ ƒ† ƒ†‘’– „”‘ƒ† ‡˜‹”‘‡–ƒŽ ‘”
”‡‡ ƒ‹‰
’‘Ž‹…›ƒ†•–”ƒ–‡‰›ƒ’’”‘˜‡†„›–Š‡‹”‘ƒ”†‘ˆ‹”‡…–‘”•ǤŠ‹‰Š’‘™‡”‡†
‘‹––‡‡ …‘’”‹•‡• ‘ˆ †‹”‡…–‘”• ˆ”‘ –Š‡ ‘ƒ”† ‹ …ƒ•‡ ‘ˆ •…Š‡†—Ž‡†
ƒ‰Žƒ†‡•Š‹ ƒ• ƒ† ƒ Š‹‰Š ’‘™‡”‡† …‘‹––‡‡  …‘’”‹•‡•  ‡‰‹‘ƒŽ 
Š‹‡ˆ  ‘ˆ 
Ž‘„ƒŽ  ˆˆ‹…‡  ƒ†  ‡„‡”•  ˆ”‘  –Š‡  –‘’ ƒƒ‰‡‡– 
‹…Ž—†‹‰    ‹  …ƒ•‡  ‘ˆ  ‘”‡‹‰  ƒ•  •Š‘—Ž†  „‡  ”‡•’‘•‹„Ž‡  ˆ‘”
”‡˜‹‡™‹‰–Š‡„ƒ•‡˜‹”‘‡–ƒŽ’‘Ž‹…‹‡•ǡ•–”ƒ–‡‰‹‡•ƒ†’”‘‰”ƒǤƒ
•ŠƒŽŽ ƒ’’”‘˜‡ ƒ …‘•‹†‡”ƒ„Ž‡ ˆ—† ‹ –Š‡‹” ƒ—ƒŽ „—†‰‡– ƒŽŽ‘…ƒ–‹‘ ˆ‘”
‰”‡‡„ƒ‹‰Ǥ

ƒ• ƒ”‡ ”‡“—‹”‡† –‘ ‡•–ƒ„Ž‹•Š ƒ •‡’ƒ”ƒ–‡
”‡‡ ƒ‹‰ ‹– ‘” ‡ŽŽ
Šƒ˜‹‰ –Š‡ ”‡•’‘•‹„‹Ž‹–› ‘ˆ †‡•‹‰‹‰ǡ ‡˜ƒŽ—ƒ–‹‰ ƒ† ƒ†‹‹•–‡”‹‰
”‡Žƒ–‡† ‰”‡‡ „ƒ‹‰ ‹••—‡• ‘ˆ –Š‡ „ƒǤ  •‡‹‘” ‡š‡…—–‹˜‡ •Š‘—Ž† „‡
ƒ••‹‰‡†™‹–Š–Š‡”‡•’‘•‹„‹Ž‹–›‘ˆŠ‡ƒ†‹‰–Š‡—‹–ǤŠ‡—‹–™‹ŽŽ”‡’‘”––‘
–Š‡Š‹‰Š’‘™‡”‡†…‘‹––‡‡–‹‡–‘–‹‡Ǥ

1.2 Incorporation of Environmental Risk in CRM

ƒ••ŠƒŽŽ…‘’Ž›™‹–Š–Š‡‹•–”—…–‹‘••–‹’—Žƒ–‡†‹ –Š‡†‡–ƒ‹Ž‡†
‰—‹†‡Ž‹‡•‘˜‹”‘‡–ƒŽ‹•ƒƒ‰‡‡–ȋȌ‹…‘•‹†‡”ƒ–‹‘‘ˆ
ƒ’ƒ”–‘ˆ–Š‡
”‡‡ƒ‹‰‘Ž‹…›Ǥƒ•ŠƒŽŽ‹…‘”’‘”ƒ–‡˜‹”‘‡–ƒŽ
ƒ† Ž‹ƒ–‡ Šƒ‰‡ ‹• ƒ• ’ƒ”– ‘ˆ –Š‡ ‡š‹•–‹‰ …”‡†‹– ”‹• ‡–Š‘†‘Ž‘‰›
’”‡•…”‹„‡†–‘ƒ••‡••ƒ’”‘•’‡…–‹˜‡„‘””‘™‡”ǤŠ‹•™‹ŽŽ‹…Ž—†‡‹–‡‰”ƒ–‹‰
‡˜‹”‘‡–ƒŽ ”‹•• ‹ –Š‡ …Š‡…Ž‹•–•ǡ ƒ—†‹– ‰—‹†‡Ž‹‡• ƒ† ”‡’‘”–‹‰
ˆ‘”ƒ–•Ǥ ŽŽ ‘ˆ –Š‹• ™‹ŽŽ Š‡Ž’ ƒ‹•–”‡ƒ ˜‹”‘‡–ƒŽ ‹• –Šƒ– …‘˜‡”
’‘••‹„Ž‡ •‘—”…‡• ‘ˆ  ˜‹”‘‡–ƒŽ  ‹•  •—…Š  ƒ•  ƒ†  —•‡ǡ  Ž‹ƒ–‡ 
…Šƒ‰‡”‡Žƒ–‡†‡˜‡–•ȋ…›…Ž‘‡ǡ†”‘—‰Š–Ȍǡƒ‹ƒŽ†‹•‡ƒ•‡•Ȁ’ƒ–Š‘‰‡•

͵ͳ
 •—…Š ƒ• ƒ˜‹ƒ ‹ˆŽ—‡œƒǡ •‘Ž‹† ™ƒ•–‡ ‹…Ž—†‹‰ ™ƒ•–‡ ˆ‡‡†ǡ ƒ‹ƒŽ ™ƒ•–‡ǡ
…ƒ”…ƒ••‡•ǡ•‡†‹‡–•ǡ™ƒ•–‡™ƒ–‡”†‹•…Šƒ”‰‡•ǡŠƒœƒ”†‘—•ƒ–‡”‹ƒŽ•ǡ‡–…™‹ŽŽ
„‡”‡˜‹‡™‡†—†‡”˜‹”‘‡–ƒŽ—‡‹Ž‹‰‡…‡ȋȌ…Š‡…Ž‹•–•Ǥ

1.3 Initiating In-house Environment Management

ƒ• •ŠƒŽŽ ’”‡’ƒ”‡ ƒ ‹˜‡–‘”› ‘ˆ –Š‡ …‘•—’–‹‘ ‘ˆ ™ƒ–‡”ǡ ’ƒ’‡”ǡ
‡Ž‡…–”‹…‹–›ǡ‡‡”‰›‡–…Ǥ„›‹–•‘ˆˆ‹…‡•ƒ†„”ƒ…Š‡•‹†‹ˆˆ‡”‡–’Žƒ…‡•ǤŠ‡
‹–•Š‘—Ž†–ƒ‡‡ƒ•—”‡•–‘•ƒ˜‡‡Ž‡…–”‹…‹–›ǡ™ƒ–‡”ƒ†’ƒ’‡”…‘•—’–‹‘Ǥ
 ̵
”‡‡ ˆˆ‹…‡
—‹†‡̵ ‘” ƒ– Ž‡ƒ•– ƒ •‡– ‘ˆ ‰‡‡”ƒŽ ‹•–”—…–‹‘• •Š‘—Ž† „‡
…‹”…—Žƒ–‡†–‘–Š‡‡’Ž‘›‡‡•ˆ‘”‡ˆˆ‹…‹‡–—•‡‘ˆ‡Ž‡…–”‹…‹–›ǡ™ƒ–‡”ǡ’ƒ’‡”ƒ†
”‡—•‡ ‘ˆ ‡“—‹’‡–•Ǥ  ’Žƒ…‡ ‘ˆ ”‡Ž›‹‰ ‘ ’”‹–‡† †‘…—‡–•ǡ ‘Ž‹‡
…‘—‹…ƒ–‹‘ •Š‘—Ž† „‡ ‡š–‡•‹˜‡Ž› —•‡† ȋ™Š‡”‡ ’‘••‹„Ž‡Ȍ ˆ‘” ‘ˆˆ‹…‡
ƒƒ‰‡‡–ƒ†ƒ‡•—”‡–Šƒ––Š‡’”‹–‡”•ƒ”‡†‡ˆƒ—Ž–‡†–‘†—’Ž‡šˆ‘”
†‘—„Ž‡Ǧ•‹†‡’”‹–‹‰–‘•ƒ˜‡’ƒ’‡”•Ǥƒ•ƒ›ƒ’’Ž›…‘ˆ‘–‹’”‹–‹‰
–‘ ”‡†—…‡ —•‡ ‘ˆ ‹ǡ —•‡ •…”ƒ’ ’ƒ’‡” ƒ• ‘–‡’ƒ†• ƒ† ƒ˜‘‹† †‹•’‘•ƒ„Ž‡
…—’•Ȁ‰Žƒ••‡•–‘„‡…‘‡‘”‡‡…‘Ǧˆ”‹‡†Ž›Ǥ•–ƒŽŽƒ–‹‘‘ˆ‡‡”‰›‡ˆˆ‹…‹‡–
‡Ž‡…–”‘‹…‡“—‹’‡–•ƒ†ƒ—–‘ƒ–‹…•Š—–†‘™‘ˆ…‘’—–‡”•ǡˆƒ•ǡŽ‹‰Š–•ǡ
ƒ‹” …‘‘Ž‡”• ‡–…Ǥ ™‹ŽŽ Š‡Ž’ ”‡†—…‹‰ ‡Ž‡…–”‹…‹–› …‘•—’–‹‘Ǥ ‡”‰› •ƒ˜‹‰
„—Ž„••Š‘—Ž†”‡’Žƒ…‡‘”ƒŽ„—Ž„•‹„”ƒ…Š‡•Ȁ‘ˆˆ‹…‡•‘ˆ–Š‡„ƒ•Ǥƒ•
•Š‘—Ž†ƒ‡’Žƒ–‘—•‡•‘Žƒ”‡‡”‰›ƒ––Š‡‹”’”‡‹•‡•–‘•ƒ˜‡‡Ž‡…–”‹…‹–›Ǥ
ƒ•Š‘—Ž†–ƒ‡•–‡’•–‘•ƒ˜‡‡‡”‰›ˆ”‘…‘”’‘”ƒ–‡„—•‹‡••–”ƒ˜‡Žƒ†
‡…‘—”ƒ‰‡‡’Ž‘›‡‡•–‘’—”…Šƒ•‡‡‡”‰›‡ˆˆ‹…‹‡–…ƒ”•ȋ–Šƒ–…‘•—‡Ž‡••
ˆ—‡ŽȌ…ƒ”‡†—…‡‰ƒ•ƒ†’‡–”‘Ž‡—…‘•—’–‹‘Ǥ

1.4 Introducing Green finance

…‘ ˆ”‹‡†Ž› „—•‹‡•• ƒ…–‹˜‹–‹‡• ƒ† ‡‡”‰› ‡ˆˆ‹…‹‡– ‹†—•–”‹‡• ™‹ŽŽ „‡
‰‹˜‡’”‡ˆ‡”‡…‡‹ˆ‹ƒ…‹‰„›„ƒǤ˜‹”‘‡–ƒŽ‹ˆ”ƒ•–”—…–—”‡•—…Š
ƒ• ”‡‡™ƒ„Ž‡ ‡‡”‰› ’”‘Œ‡…–ǡ …Ž‡ƒ ™ƒ–‡” •—’’Ž› ’”‘Œ‡…–ǡ ™ƒ•–‡™ƒ–‡”
–”‡ƒ–‡–’Žƒ–ǡ•‘Ž‹†ƬŠƒœƒ”†‘—•™ƒ•–‡†‹•’‘•ƒŽ’Žƒ–ǡ„‹‘Ǧ‰ƒ•’Žƒ–ǡ„‹‘Ǧ
ˆ‡”–‹Ž‹œ‡” ’Žƒ– •Š‘—Ž† „‡ ‡…‘—”ƒ‰‡† ƒ† ˆ‹ƒ…‡† „› „ƒǤ ‘•—‡”
Ž‘ƒ ’”‘‰”ƒ• ƒ› „‡ ƒ’’Ž‹‡† ˆ‘” ’”‘‘–‹‰ ‡˜‹”‘‡–ƒŽ ’”ƒ…–‹…‡•
ƒ‘‰…Ž‹‡–•Ǥ

1.5 Creation of Climate Risk Fund

ƒ •Š‘—Ž† ˆ‹ƒ…‡ –Š‡ ‡…‘‘‹… ƒ…–‹˜‹–‹‡• ‘ˆ –Š‡ ˆŽ‘‘†ǡ …›…Ž‘‡ ƒ†
†”‘—‰Š– ’”‘‡ ƒ”‡ƒ• ƒ– –Š‡ ”‡‰—Žƒ” ‹–‡”‡•– ”ƒ–‡ ™‹–Š‘—– …Šƒ”‰‹‰
ƒ††‹–‹‘ƒŽ ”‹• ’”‡‹—Ǥ ‘™‡˜‡”ǡ „ƒ• •Š‘—Ž† ƒ••‡•• –Š‡‹”
‡˜‹”‘‡–ƒŽ”‹••ˆ‘”ˆ‹ƒ…‹‰–Š‡•‡…–‘”•‹†‹ˆˆ‡”‡–ƒ”‡ƒ•ˆ‘”…”‡ƒ–‹‰
ƒŽ‹ƒ–‡Šƒ‰‡‹• —†ǤŠ‹•™‹ŽŽ„‡—•‡†‹…ƒ•‡‘ˆ‡‡”‰‡…›ǤŠ‡
„ƒ™‘—Ž†‡•—”‡”‡‰—Žƒ”ˆ‹ƒ…‹‰ˆŽ‘™•‹–Š‡•‡˜—Ž‡”ƒ„Ž‡ƒ”‡ƒ•ƒ†

͵ʹ
•‡…–‘”•ǤŠ‡ˆ—†…‘—Ž†„‡…”‡ƒ–‡†ƒ•’ƒ”–‘ˆ„ƒ•̵‡š’‡•‡•Ǥ

1.6 Introducing Green Marketing

”‡‡ ƒ”‡–‹‰ ‹• –Š‡ ƒ”‡–‹‰ ‘ˆ ’”‘†—…–• –Šƒ– ƒ”‡ ’”‡•—‡† –‘ „‡
‡˜‹”‘‡–ƒŽŽ›•ƒˆ‡Ǥ
”‡‡ƒ”‡–‹‰‹…‘”’‘”ƒ–‡•ƒ„”‘ƒ†”ƒ‰‡‘ˆ
ƒ…–‹˜‹–‹‡•ǡ  ‹…Ž—†‹‰  ’”‘†—…– ‘†‹ˆ‹…ƒ–‹‘ǡ  …Šƒ‰‡•  –‘  –Š‡  ’”‘†—…–‹‘ 
’”‘…‡••ǡ’ƒ…ƒ‰‹‰…Šƒ‰‡•ǡƒ•™‡ŽŽƒ•‘†‹ˆ›‹‰ƒ†˜‡”–‹•‹‰Ǥ–”‡ˆ‡”•–‘
–Š‡ ’”‘…‡•• ‘ˆ •‡ŽŽ‹‰ ’”‘†—…–• ƒ†Ȁ‘” •‡”˜‹…‡• „ƒ•‡† ‘ –Š‡‹”
‡˜‹”‘‡–ƒŽ„‡‡ˆ‹–•Ǥ—…Šƒ’”‘†—…–‘”•‡”˜‹…‡ƒ›„‡‡˜‹”‘‡–ƒŽŽ›
ˆ”‹‡†Ž› ‹ ‹–•‡Žˆ ‘” ’”‘†—…‡† ƒ†Ȁ‘” ’ƒ…ƒ‰‡† ‹ ƒ ‡˜‹”‘‡–ƒŽŽ›
ˆ”‹‡†Ž›™ƒ›Ǥ

ƒ• •Š‘—Ž† —•‡ ‡˜‹”‘‡–ƒŽ …ƒ—•‡• ˆ‘” ƒ”‡–‹‰ –Š‡‹” •‡”˜‹…‡• –‘
…‘•—‡”Ǥ
”‡‡ ƒ”‡–‹‰ ‹• ‡š’‡…–‡† –‘ Š‡Ž’ ƒ™ƒ”‡‡•• †‡˜‡Ž‘’‡–
ƒ‘‰…‘‘’‡‘’Ž‡Ǥ

1.7 Online Banking

Ž‹‡„ƒ‹‰‹•–Š‡’”ƒ…–‹…‡‘ˆƒ‹‰„ƒ–”ƒ•ƒ…–‹‘•‘”’ƒ›‹‰„‹ŽŽ•
˜‹ƒ–Š‡–‡”‡–‘ƒ•‡…—”‡™‡„•‹–‡‘ˆ–Š‡”‡•’‡…–‹˜‡„ƒ–Šƒ–ƒŽŽ‘™•–Š‡
…—•–‘‡”•–‘ƒ‡†‡’‘•‹–•ǡ™‹–Š†”ƒ™ƒŽ•ƒ†’ƒ›„‹ŽŽ•Ǥ

ƒ• •Š‘—Ž† ‰‹˜‡ ‘”‡ ‡’Šƒ•‹• –‘ ƒ‡ –Š‡ ‡ƒ•‹‡•– ™ƒ› –‘ Š‡Ž’
‡˜‹”‘‡–„›‡Ž‹‹ƒ–‹‰’ƒ’‡”™ƒ•–‡ǡ•ƒ˜‹‰‰ƒ•ƒ†…ƒ”„‘‡‹••‹‘ǡ
”‡†—…‹‰’”‹–‹‰…‘•–•ƒ†’‘•–ƒ‰‡‡š’‡•‡•Ǥ

1.8 Supporting Employee Training, Consumer Awareness and Green Event

’Ž‘›‡‡ ƒ™ƒ”‡‡•• †‡˜‡Ž‘’‡– ƒ† –”ƒ‹‹‰ ‘ ‡˜‹”‘‡–ƒŽ ƒ†
•‘…‹ƒŽ”‹•ƒ†–Š‡”‡Ž‡˜ƒ–‹••—‡••Š‘—Ž†„‡ƒ…‘–‹—‘—•’”‘…‡••ƒ•’ƒ”–
‘ˆ –Š‡ „ƒ̵• —ƒ ‡…‘—”•‡ ‡˜‡Ž‘’‡–Ǥ  ™ƒ”‡‡••  †‡˜‡Ž‘’‡– 
ƒ‘‰  …‘•—‡”•  ƒ†  …Ž‹‡–•  ™‘—Ž†  „‡  ƒ …‘–‹—‘—• Œ‘„ ‘ˆ ƒ „ƒ
—†‡”‹–•’—„Ž‹…”‡Žƒ–‹‘†‡’ƒ”–‡–Ǥ

1.9 Disclosure and Reporting of Green Banking Activities

ƒ••ŠƒŽŽ”‡’‘”–‘–Š‡‹‹–‹ƒ–‹˜‡•Ȁ’”ƒ…–‹…‡•–‘ƒ††‹•…Ž‘•‡‹–Š‡‹”
”‡•’‡…–‹˜‡™‡„•‹–‡•Ǥ

2. Phase-II
Š‡ –‹‡ Ž‹‹‰ ˆ‘” –Š‡ ƒ…–‹‘• –‘ „‡ –ƒ‡ —†‡” Šƒ•‡Ǧ •Š‘—Ž† ‘–
‡š…‡‡†‡…‡„‡”͵ͳǡʹͲͳʹǤ

͵͵
2.1 Sector Specific Environmental Policies
ƒ•‡‡†–‘ˆ‘”—Žƒ–‡•–”ƒ–‡‰‹‡•–‘†‡•‹‰•’‡…‹ˆ‹…’‘Ž‹…‹‡•ˆ‘”†‹ˆˆ‡”‡–
‡˜‹”‘‡–ƒŽ •‡•‹–‹˜‡ •‡…–‘”• •—…Š ƒ• ‰”‹…—Ž–—”‡ǡ ‰”‹Ǧ„—•‹‡••
ȋ‘—Ž–”› Ƭ ƒ‹”›Ȍǡ ‰”‘ ˆƒ”‹‰ǡ ‡ƒ–Š‡”ȋƒ‡”›Ȍǡ ‹•Š‡”‹‡•ǡ ‡š–‹Ž‡ ƒ†
’’ƒ”‡Ž•ǡ ‡‡™ƒ„Ž‡ ‡”‰›ǡ —Ž’ ƒ† ƒ’‡”ǡ —‰ƒ”  ƒ†  †‹•–‹ŽŽ‡”‹‡•ǡ 
‘•–”—…–‹‘  ƒ†  ‘—•‹‰ǡ  ‰‹‡‡”‹‰  ƒ†  ƒ•‹…  ‡–ƒŽǡ Š‡‹…ƒŽ• 
ȋ ‡”–‹Ž‹œ‡”•ǡ‡•–‹…‹†‡•ƒ†Šƒ”ƒ…‡—–‹…ƒŽ•Ȍǡ—„„‡”ƒ†Žƒ•–‹…†—•–”›ǡ
‘•’‹–ƒŽȀŽ‹‹…ǡŠ‡‹…ƒŽ”ƒ†‹‰ǡ”‹…ƒ—ˆƒ…–—”‹‰ǡŠ‹’„”‡ƒ‹‰‡–…Ǥ

2.2 Green Strategic Planning

 „ƒ •Š‘—Ž† †‡–‡”‹‡ ‰”‡‡ –ƒ”‰‡–• –‘ „‡ ƒ––ƒ‹‡† –Š”‘—‰Š •–”ƒ–‡‰‹…
’Žƒ‹‰Ǥƒ•Š‘—Ž††‡–‡”‹‡ƒ•‡–‘ˆƒ…Š‹‡˜ƒ„Ž‡–ƒ”‰‡–•ƒ†•–”ƒ–‡‰‹‡•ǡ
ƒ††‹•…Ž‘•‡–Š‡•‡‹–Š‡‹”ƒ—ƒŽ”‡’‘”–•ƒ†™‡„•‹–‡•ˆ‘”‰”‡‡ˆ‹ƒ…‹‰
ƒ†‹ǦŠ‘—•‡‡˜‹”‘‡–ƒƒ‰‡‡–ƒ•™‡ŽŽǤ ‘”‹ǦŠ‘—•‡‡˜‹”‘‡–
ƒƒ‰‡‡–ǡ –Š‡ –ƒ”‰‡– ƒ”‡ƒ• •Š‘—Ž† …‘˜‡” ƒ––ƒ‹‹‰ ‡‡”‰› ‡ˆˆ‹…‹‡…› ‹
–Š‡ˆ‘”‘ˆ–Š‡—•‡‘ˆ”‡‡™ƒ„Ž‡‡‡”‰›ǡ”‡†—…–‹‘‘ˆ‡Ž‡…–”‹…‹–›ǡ‰ƒ•ǡƒ†
’‡–”‘Ž …‘•—’–‹‘ǡ   ”‡†—…–‹‘ ‘ˆ
”‡‡ ‘—•‡
ƒ•ȋ

Ȍ ‡‹••‹‘•ǡ
‹••—ƒ…‡ ‘ˆ ‡Ǧ•–ƒ–‡‡–•ǡ ‡Ž‡…–”‘‹… „‹ŽŽ ’ƒ›ǡ •ƒ˜‹‰ ’ƒ’‡”•ǡ ‡˜‹”‘‡–
ˆ”‹‡†Ž› ‘ˆˆ‹…‡ „—‹Ž†‹‰• ‡–…Ǥ  ‘” 
”‡‡  ‹ƒ…‹‰ǡ  –Š‡  –ƒ”‰‡–  ƒ”‡ƒ• 
•Š‘—Ž†  …‘˜‡”  ”‡†—…‹‰  Ž‘ƒ•  ˆ‘”  …‡”–ƒ‹ ‡˜‹”‘‡–ƒŽŽ› Šƒ”ˆ—Ž
ƒ…–‹˜‹–‹‡•ǡ ƒ––ƒ‹‹‰ ƒ ’ƒ”–‹…—Žƒ” ’‡”…‡–ƒ‰‡ ‘ˆ ‡˜‹”‘‡–ƒŽ Ž‘ƒ• ƒ•
’‡”…‡–ƒ‰‡‘ˆ–‘–ƒŽǡ‹–”‘†—…‹‰‡…‘Ǧˆ”‹‡†Ž›ˆ‹ƒ…‹ƒŽ’”‘†—…–•‡–…Ǥ

2.3 Setting up Green Branches


”‡‡”ƒ…Š•Š‘—Ž†„‡ˆ‡ƒ–—”‡†„›–Š‡’”‘˜‹•‹‘‘ˆ–Š‡ƒš‹——•‡
‘ˆ ƒ–—”ƒŽ Ž‹‰Š–ǡ —•‡ ‘ˆ ”‡‡™ƒ„Ž‡ ‡‡”‰›ǡ —•‡ ‘ˆ ‡‡”‰› •ƒ˜‹‰ „—Ž„• ƒ†
‘–Š‡”‡“—‹’‡–•ǡ”‡†—…‡†™ƒ–‡”ƒ†‡Ž‡…–”‹…‹–›—•‡ǡ—•‡‘ˆ”‡…›…Ž‡†™ƒ–‡”
‡–…Ǥ—…Šƒ„”ƒ…Š‘ˆƒ„ƒ™‘—Ž†„‡•’‡…‹ˆ‹…ƒŽŽ›†‡•‹‰ƒ–‡†ƒ•ƒ̵
”‡‡
”ƒ…Š̵Ǥ
”‡‡”ƒ…Š™‹ŽŽ„‡‡–‹–Ž‡†–‘†‹•’Žƒ›ƒ•’‡…‹ƒŽŽ‘‰‘ƒ’’”‘˜‡†
„›ƒ‰Žƒ†‡•ŠƒǤŠ‡…”‹–‡”‹ƒˆ‘”…‡”–‹ˆ‹…ƒ–‹‘‘ˆƒ̵
”‡‡”ƒ…Š̵™‹ŽŽ
„‡…‹”…—Žƒ–‡†„›ƒ‰Žƒ†‡•Šƒ‹†—‡…‘—”•‡‘ˆ–‹‡Ǥ

2.4 Improved In-house Environment Management

–”ƒ–‡‰› ‘ˆ ”‡—•‡ǡ ”‡…›…Ž‹‰ ‘ˆ ƒ–‡”‹ƒŽ• ƒ† ‡“—‹’‡–•ǡ ƒ† •‘—”…‡
”‡†—…–‹‘ ƒ† ™ƒ•–‡ ‹‹‹œƒ–‹‘ •–”ƒ–‡‰› •Š‘—Ž† „‡ ’ƒ”– ‘ˆ ‹ǦŠ‘—•‡
‡˜‹”‘‡–ƒŽƒƒ‰‡‡–‹Šƒ•‡ǦǤƒ••Š‘—Ž†‹…”‡ƒ•‹‰Ž›”‡Ž›‘
˜‹”–—ƒŽ ‡‡–‹‰ –Š”‘—‰Š –Š‡ —•‡ ‘ˆ ˜‹†‡‘ …‘ˆ‡”‡…‹‰ ‹ Ž‹‡— ‘ˆ ’Š›•‹…ƒŽ
–”ƒ˜‡Ž™Š‹…Š™‘—Ž†Š‡Ž’•ƒ˜‹‰…‘•–ƒ†‡‡”‰›Ǥ

͵Ͷ
2.5 Formulation of Bank Specific Environmental Risk
Management Plan and Guidelines
„ƒ•Š‘—Ž††‡˜‡Ž‘’ƒ†ˆ‘ŽŽ‘™ƒ‡˜‹”‘‡–ƒŽ”‹•ƒƒ‰‡‡–
ƒ—ƒŽ  ‘” ‰—‹†‡Ž‹‡• ‹ –Š‡‹” ƒ••‡••‡– ƒ† ‘‹–‘”‹‰ ‘ˆ ’”‘Œ‡…– ƒ†
™‘”‹‰ …ƒ’‹–ƒŽ Ž‘ƒ•Ǥ  ƒ††‹–‹‘  –‘  –Š‡  …‘’Ž‹ƒ…‡  ‘ˆ  ƒ–‹‘ƒŽ 
”‡‰—Žƒ–‹‘  –Š‡  „ƒ  ƒ›  •‡–  ‹–‡”ƒ–‹‘ƒŽŽ› ƒ……‡’–‡† Š‹‰Š‡”
‡˜‹”‘‡–ƒŽ•–ƒ†ƒ”†•Ǥ–Š‹•…‘‡…–‹‘ǡ
”‡‡‹‹–‹ƒ–‹˜‡•„›ƒ‰”‘—’
‘ˆ „ƒ• ™‹ŽŽ ‘– ‘Ž› „‡ ‡ˆˆ‡…–‹˜‡ „—– ™‹ŽŽ ƒŽ•‘ ‘ˆˆ‡” …‘’‡–‹–‹˜‡
ƒ†˜ƒ–ƒ‰‡Ǥ ƒ ƒŽŽ‹ƒ…‡•  ƒ›  ’”‡’ƒ”‡  •–ƒ†ƒ”†  ƒ†  ‰—‹†‡Ž‹‡•  ˆ‘” 
–Š‡•‡Ž˜‡•ˆ‘”‹’”‘˜‹‰
”‡‡ƒ‹‰’”ƒ…–‹…‡•Ǥ

2.6 Rigorous Programs to Educate Clients

Ž‹‡–• ƒ† „—•‹‡•• Š‘—•‡• •Š‘—Ž† „‡ ‡…‘—”ƒ‰‡† ƒ† ‹ˆŽ—‡…‡† –‘
…‘’Ž› ™‹–Š –Š‡ ‡˜‹”‘‡–ƒŽ ”‡‰—Žƒ–‹‘• ƒ† —†‡”–ƒ‡ ”‡•‘—”…‡
‡ˆˆ‹…‹‡– ƒ† ‡˜‹”‘‡–ƒŽ ƒ…–‹˜‹–‹‡•Ǥ ƒ• •Š‘—Ž† ‹–”‘†—…‡ ”‹‰‘”‘—•
’”‘‰”ƒ•–‘‡†—…ƒ–‡…Ž‹‡–•Ǥ

2.7 Disclosure and Reporting of Green Banking Activities

ƒ• •Š‘—Ž† •–ƒ”– ’—„Ž‹•Š‹‰ ‹†‡’‡†‡–
”‡‡ ƒ‹‰ ƒ†
—•–ƒ‹ƒ„‹Ž‹–› ”‡’‘”–• •Š‘™‹‰ ’ƒ•– ’‡”ˆ‘”ƒ…‡•ǡ …—””‡– ƒ…–‹˜‹–‹‡•ǡ ƒ†
ˆ—–—”‡ ‹‹–‹ƒ–‹˜‡•Ǥ ’†ƒ–‡† ƒ† †‡–ƒ‹Ž‡† ‹ˆ‘”ƒ–‹‘ ƒ„‘—– „ƒ•
‡˜‹”‘‡–ƒŽ ƒ…–‹˜‹–‹‡• ƒ† ’‡”ˆ‘”ƒ…‡• ‘ˆ ƒŒ‘” …Ž‹‡–• •Š‘—Ž† „‡
†‹•…Ž‘•‡†Ǥ

3. Phase-III:
•›•–‡‘ˆ˜‹”‘‡–ƒŽƒƒ‰‡‡–•Š‘—Ž†„‡‹’Žƒ…‡‹ƒ„ƒ
„‡ˆ‘”‡–Š‡‹‹–‹ƒ–‹‘‘ˆ–Š‡ƒ…–‹˜‹–‹‡•‘ˆŠƒ•‡ǦǤƒ•ƒ”‡‡š’‡…–‡†
–‘  ƒ††”‡••  –Š‡  ™Š‘Ž‡ ‡…‘Ǧ•›•–‡ –Š”‘—‰Š ‡˜‹”‘‡– ˆ”‹‡†Ž›
‹‹–‹ƒ–‹˜‡• ƒ† ‹–”‘†—…‹‰ ‹‘˜ƒ–‹˜‡ ’”‘†—…–•Ǥ –ƒ†ƒ”† ‡˜‹”‘‡–ƒŽ
”‡’‘”–‹‰™‹–Š‡š–‡”ƒŽ˜‡”‹ˆ‹…ƒ–‹‘•Š‘—Ž†„‡’ƒ”–‘ˆ–Š‡’Šƒ•‡Ǥ

Š‡ –‹‡ Ž‹‹‰ ˆ‘” –Š‡ ƒ…–‹‘• –‘ „‡ –ƒ‡ —†‡” Šƒ•‡Ǧ •Š‘—Ž† ‘–
‡š…‡‡†‡…‡„‡”͵ͳǡʹͲͳ͵Ǥ

3.1 Designing and Introducing Innovative Products

Ž‘‰•‹†‡ ƒ˜‘‹†‹‰ ‡‰ƒ–‹˜‡ ‹’ƒ…–• ‘ ‡˜‹”‘‡– –Š”‘—‰Š „ƒ‹‰
ƒ…–‹˜‹–‹‡•ǡ „ƒ• ƒ”‡ ‡š’‡…–‡† –‘ ‹–”‘†—…‡ ‡˜‹”‘‡– ˆ”‹‡†Ž›
‹‘˜ƒ–‹˜‡‰”‡‡’”‘†—…–•–‘ƒ††”‡••–Š‡…‘”‡‡˜‹”‘‡–ƒŽ…ŠƒŽŽ‡‰‡•‘ˆ
–Š‡…‘—–”›Ǥ

͵ͷ
3.2 Reporting in Standard Format with External Verification
ƒ•  •Š‘—Ž†  ’—„Ž‹•Š  ‹†‡’‡†‡– 
”‡‡  —ƒŽ  ‡’‘”–  ˆ‘ŽŽ‘™‹‰ 
‹–‡”ƒ–‹‘ƒŽŽ› ƒ……‡’–‡† ˆ‘”ƒ– Ž‹‡
Ž‘„ƒŽ ‡’‘”–‹‰ ‹–‹ƒ–‹˜‡•  ȋ
Ȍ
–ƒ”‰‡–‹‰–Š‡‹”•–ƒ‡Š‘Ž†‡”•ǤŠ‡”‡•Š‘—Ž†„‡ƒ””ƒ‰‡‡–ˆ‘”˜‡”‹ˆ‹…ƒ–‹‘
‘ˆ–Š‡•‡’—„Ž‹…ƒ–‹‘•„›ƒ‹†‡’‡†‡–ƒ‰‡…›‘”ƒ……‡’–ƒ„Ž‡–Š‹”†’ƒ”–›Ǥ

4. Reporting Green Banking Practices on Quarterly Basis

ƒ••ŠƒŽŽ”‡’‘”––Š‡‹”‹‹–‹ƒ–‹˜‡•Ȁƒ…–‹˜‹–‹‡•—†‡”–Š‡•ƒ‹†’”‘‰”ƒ–‘–Š‡
‡’ƒ”–‡–‘ˆˆˆǦ•‹–‡—’‡”˜‹•‹‘‘ˆƒ‰Žƒ†‡•Šƒ‘“—ƒ”–‡”Ž›„ƒ•‹•Ǥ
ƒ• •ŠƒŽŽ •—„‹– –Š‡‹” ˆ‹”•– “—ƒ”–‡”Ž› ”‡’‘”– ‘ —‡ ͵Ͳǡ ʹͲͳͳ „ƒ•‹•
™‹–Š‹ —Ž› ͳͷǡ ʹͲͳͳ ƒ† •‹‹Žƒ”Ž› –Š‡› ™‹ŽŽ „‡ ”‡“—‹”‡† –‘ …‘–‹—‡ –‘
•—„‹–”‡’‘”–•‘–Š‡•—„•‡“—‡–“—ƒ”–‡”•™‹–Š‹–Š‡‡š–ͳͷ†ƒ›•‘ˆ–Š‡
”‡•’‡…–‹˜‡“—ƒ”–‡”‡†Ǥ

ƒ• •ŠƒŽŽ ‡‡’ –Š‡‹” ƒ—ƒŽ ”‡’‘”– ƒ† ™‡„•‹–‡• —’†ƒ–‡† ™‹–Š –Š‡
†‹•…Ž‘•—”‡•‘‰”‡‡„ƒ‹‰‹‹–‹ƒ–‹˜‡•Ȁƒ…–‹˜‹–‹‡•Ǥ

5. The compliant banks practicing Green Banking will have the

following preferential treatments:

ȋ‹Ȍ  ™‹ŽŽ ƒ™ƒ”† ’‘‹–• –‘ „ƒ• ‘ ƒƒ‰‡‡– …‘’‘‡– ™Š‹Ž‡
…‘’—–‹‰”ƒ–‹‰™Š‡”‡–Š‡”‡™‹ŽŽ—Ž–‹ƒ–‡Ž›„‡ƒ’‘•‹–‹˜‡‹’ƒ…–
‘‘˜‡”ƒŽŽ”ƒ–‹‰‘ˆƒ„ƒǤ
ȋ‹‹Ȍ  ™‹ŽŽ †‡…Žƒ”‡ –Š‡ ƒ‡• ‘ˆ –Š‡ ‘’ ‡ ƒ• ˆ‘” –Š‡‹” ‘˜‡”ƒŽŽ
’‡”ˆ‘”ƒ…‡‹‰”‡‡„ƒ‹‰ƒ…–‹˜‹–‹‡•‹–Š‡™‡„•‹–‡•Ǥ
ȋ‹‹‹Ȍ™‹ŽŽƒ…–‹˜‡Ž›…‘•‹†‡”‰”‡‡„ƒ‹‰ƒ…–‹˜‹–‹‡•Ȁ’”ƒ…–‹…‡•‘ˆƒ„ƒ
™Š‹Ž‡ƒ……‘”†‹‰’‡”‹••‹‘ˆ‘”‘’‡‹‰‡™„ƒ„”ƒ…ŠǤ

Ž‡ƒ•‡ƒ…‘™Ž‡†‰‡”‡…‡‹’–Ǥ

‘—”••‹…‡”‡Ž›

ȋǤǤ„†—Žƒ†‘‘†Ȍ

‡‡”ƒŽƒƒ‰‡”
Š‘‡ǣ͹ͳͳ͹ͺʹͷ

͵͸
 ‡„•‹–‡ǣ™™™Ǥ„„Ǥ‘”‰Ǥ„†

ƒ‹‰‡‰—Žƒ–‹‘Ƭ‘Ž‹…›‡’ƒ”–‡–
ƒ‰Žƒ†‡•Šƒ
‡ƒ†ˆˆ‹…‡
Šƒƒ
‹”…—Žƒ”‡––‡”‘ǤͲ͹
—Ž›ʹʹǡʹͲͳʹ
Š‹‡ˆš‡…—–‹˜‡• ƒ–‡ǣǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦǦ
ŽŽ…Š‡†—Ž‡†ƒ•‹ƒ‰Žƒ†‡•Š Š”ƒ„‘Ͳ͹ǡͳͶͳͻ
‡ƒ”‹”

Reporting Green Banking activities under Phase II

Ž‡ƒ•‡ ”‡ˆ‡” –‘  ‹”…—Žƒ” ‘Ǥ Ͳʹ †ƒ–‡† ‡„”—ƒ”›  ʹ͹ǡ ʹͲͳͳ ‘ ‘Ž‹…›

—‹†‡Ž‹‡•ˆ‘”
”‡‡ƒ‹‰Ǥ

ƒ• ƒ”‡ ”‡“—‹”‡† –‘ ”‡’‘”– –Š‡‹” ‰”‡‡ „ƒ‹‰ ‹‹–‹ƒ–‹˜‡•Ȁƒ…–‹˜‹–‹‡• –‘
‡’ƒ”–‡–‘ˆˆˆǦ•‹–‡—’‡”˜‹•‹‘ȋȌ‘“—ƒ”–‡”Ž›„ƒ•‹•ƒ•’‡”…Žƒ—•‡Ͷ
‘ˆ–Š‡•ƒ‹†…‹”…—Žƒ”Ǥ……‘”†‹‰Ž›„ƒ•ƒ”‡”‡’‘”–‹‰•‹…‡‡…‡„‡”ʹͲͳͳ
“—ƒ”–‡” ‡† „ƒ•‹• —†‡” ’Šƒ•‡  ƒ† ƒ”…Š ʹͲͳʹ “—ƒ”–‡” ‡† „ƒ•‹• —†‡”
’Šƒ•‡‹–Š‡•–”—…–—”‡†ˆ‘”ƒ–ƒ•’”‘˜‹†‡†„›Ǥ

Š‡ ‡š‹•–‹‰ ˆ‘”ƒ– ˆ‘” ”‡’‘”–‹‰ ‰”‡‡ „ƒ‹‰ ƒ…–‹˜‹–‹‡• Šƒ• „‡‡
”‡˜‹‡™‡†–‘…‘˜‡”ƒŽŽ–Š‡‰”‡‡„ƒ‹‰ƒ…–‹˜‹–‹‡•—†‡”’Šƒ•‡ƒ†ƒ‡™
”‡’‘”–‹‰ˆ‘”ƒ–—†‡”’Šƒ•‡Šƒ•„‡‡’”‡’ƒ”‡†ȋ…‘’›ƒ––ƒ…Š‡†ȌǤ

‘™ǡ‹–Šƒ•„‡‡†‡…‹†‡†–Šƒ–„ƒ••ŠƒŽŽ”‡’‘”–‘ —‡͵ͲǡʹͲͳʹ„ƒ•‹•‹
–Š‡ ‡™ •–”—…–—”‡† ˆ‘”ƒ– –‘
”‡‡ ƒ‹‰ ‡ŽŽǡ  ‹•–‡ƒ† ‘ˆ  „›
—Ž›͵ͲǡʹͲͳʹǤƒ•™‹ŽŽ„‡”‡“—‹”‡†–‘…‘–‹—‡–‘•—„‹–”‡’‘”–•–‘
”‡‡
ƒ‹‰‡ŽŽǡ‘–Š‡•—„•‡“—‡–“—ƒ”–‡”•™‹–Š‹–Š‡‡š–ͳͷ†ƒ›•‘ˆ
–Š‡”‡•’‡…–‹˜‡“—ƒ”–‡”‡†Ǥ

ƒ• •ŠƒŽŽ ‡‡’ –Š‡‹” ƒ—ƒŽ ”‡’‘”– ƒ† ™‡„•‹–‡• —’†ƒ–‡† ™‹–Š –Š‡
†‹•…Ž‘•—”‡•‘‰”‡‡„ƒ‹‰‹‹–‹ƒ–‹˜‡•Ȁƒ…–‹˜‹–‹‡•Ǥ

Ž‡ƒ•‡ƒ…‘™Ž‡†‰‡”‡…‡‹’–Ǥ ‘—”••‹…‡”‡Ž›ǡ

ȋŠ‘†ƒ”‘”•Š‡†‹ŽŽƒ–Ȍ
‡’—–›
‡‡”ƒŽƒƒ‰‡”
…Ž‘ǣ•ƒ„‘˜‡
Š‘‡ǣͻͷ͵ͲͲͳͲǦʹͻȀš–Ǥʹͷʹͺ
 ƒšǣͻͷ͵ͲͲͺͶ

͵͹
 Annexure F
͵ͺ
͵ͻ
ͶͲ
Ͷͳ
Ͷʹ
Ͷ͵
 Annexure G
Green Banking in Media

 
Bangladesh Bank takes effective measures for green technology
†™ƒ”†’—”„ƒ‹‰Šƒ
ʹͻ‡’–‡„‡”ʹͲͳʹ

”‡‡ –‡…Š‘Ž‘‰› ‹• ƒ ™‘”–Š™Š‹Ž‡ •‘Ž—–‹‘ –‘ ”‡†—…‡ –Š‡ ƒ†˜‡”•‡ ‹’ƒ…– ‘ˆ –‡…Š‘Ž‘‰› ‘
‡˜‹”‘‡–ǤŠ‹Ž‡™‡ƒ”‡•—ˆˆ‡”‹‰ˆ”‘†‡–”‹‡–ƒŽ‡ˆˆ‡…–•‘ˆ‰Ž‘„ƒŽ™ƒ”‹‰–Š‡ƒ†‘’–‹‘
‘ˆ ‰”‡‡ –‡…Š‘Ž‘‰› …ƒ …‘–”‹„—–‡ ‡‘—‰Š –‘ ”‡†—…‡ …ƒ”„‘ ‡‹••‹‘Ǥ ‡ƒŽ‹•‹‰ ‹–ǡ
ƒ‰Žƒ†‡•Š ƒ Šƒ• …‘‡ ˆ‘”™ƒ”† –‘ ˆƒ…‹Ž‹–ƒ–‡ –Š‡ ‰”‘™–Š ‘ˆ ‰”‡‡ –‡…Š‘Ž‘‰› ‹ –Š‡
…‘—–”›Ǥ ‡…ƒ—•‡ ‘ˆ –Š‡ Ž‡ƒ†‡”•Š‹’ ‘ˆ ” –‹—” ƒŠƒǡ
‘˜‡”‘”ǡ ƒ‰Žƒ†‡•Š ƒǡ –Š‡
…‘…‡’– ‘ˆ ‰”‡‡ „ƒ‹‰ Šƒ• …‘‡ ‹–‘ ”‡ƒŽ‹–› ƒ† ƒ ”‡˜‘Ž˜‹‰ ˆ—† ‘ˆ  ʹͲͲ …”‘”‡ Šƒ•
ƒŽ”‡ƒ†›„‡‡ƒŽŽ‘…ƒ–‡†ˆ‘”‰”‡‡’”‘Œ‡…–•Ǥ
Š‡†‡ƒ†ˆ‘”‰”‡‡–‡…Š‘Ž‘‰›‹•‰”‘™‹‰†ƒ›Ǧ„›Ǧ†ƒ›ƒ†ƒ‰Žƒ†‡•Š‹•‘–‘—–•‹†‡‘ˆ–Š‹•
–”‡†Ǥ Š‡ –‡” ̶‰”‡‡ –‡…Š‘Ž‘‰›̶ †‡ˆ‹‡• –‡…Š‘Ž‘‰‹‡• ™Š‹…Š Šƒ˜‡ Ž‡•• ‘” ‘ Šƒœƒ”†‘—•
‹’ƒ…– ‘ ‡˜‹”‘‡–Ǥ —” ‹…”‡ƒ•‹‰ †‡’‡†‡…› ‘ –‡…Š‘Ž‘‰› –‘ ‡š’‡†‹–‡ ‡…‘‘‹…
‰”‘™–Š–”‹‰‰‡”•…ƒ”„‘‡‹••‹‘Ǥ
ˆ™‡†‘‘––ƒ‡ƒ›’”ƒ‰ƒ–‹…‡ƒ•—”‡–‘”‡†—…‡…ƒ”„‘ˆ‘‘–’”‹––Š‡‹–™‹ŽŽ„‡‹’‘••‹„Ž‡
ˆ‘” —• –‘ –—” –Š‹• ™‘”Ž† ƒ „‡––‡” Ž‹˜‹‰ ’Žƒ…‡ ˆ‘” ‡š– ‰‡‡”ƒ–‹‘Ǥ ‘ǡ –‹‡ Šƒ• …‘‡ –‘
‹’Ž‡‡–‰”‡‡–‡…Š‘Ž‘‰‹‡•–‘•ƒ˜‡–Š‡‡˜‹”‘‡–ƒ†ƒŽ•‘ƒ‹–ƒ‹ƒŠ‡ƒŽ–Š›Ž‹ˆ‡•–›Ž‡Ǥ
‘”†‡”–‘ƒ‹–ƒ‹ƒ•—•–ƒ‹ƒ„Ž‡‰”‘™–Š‘ˆ‰”‡‡‹†—•–”›‹–‹•‹†‹•’‡•ƒ„Ž‡–‘‡•—”‡‡ƒ•›
ˆ—†‹‰ ‘’’‘”–—‹–›Ǥ ‡•‹†‡•ǡ ‡š‹•–‹‰ –ƒ”‹ˆˆ •–”—…–—”‡ ˆ‘” ‰”‡‡ ‡“—‹’‡–• •Š‘—Ž† „‡
”‡˜‹‡™‡†–‘ˆƒ…‹Ž‹–ƒ–‡–Š‡™‹†‡•’”‡ƒ†ƒ†‘’–‹‘‘ˆ‰”‡‡–‡…Š‘Ž‘‰›‹–Š‡…‘—–”›Ǥ
” –‹—” ƒŠƒ •ƒ‹†ǡ ̶ ”‘ –Š‡ „ƒ‹‰ •‡…–‘” ™‡ ˆ‡‡Ž —”‰‡…› –‘ ˆƒ…‡ –Š‡ …ŠƒŽŽ‡‰‡ ‘ˆ
…Ž‹ƒ–‡ …Šƒ‰‡Ǥ ‘ǡ ™‡ ‹••—‡† ‰—‹†‡Ž‹‡• ˆ‘” ˜‹”‘‡–ƒŽ ‹• ƒƒ‰‡‡– ƒ†
”‡‡
ƒ‹‰ ‹ ʹͲͳͳǤ Š‡ ‰—‹†‡Ž‹‡• …Ž‡ƒ”Ž› †‡ˆ‹‡ ‡˜‹”‘‡– ˆ”‹‡†Ž› „—•‹‡•• ’”ƒ…–‹…‡• „›
„ƒ•ƒ†ˆ‹ƒ…‹ƒŽ‹•–‹–—–‹‘•‘ˆ–Š‡…‘—–”›̶Ǥ
̶Š‡ …‡–”ƒŽ „ƒ ƒŽ”‡ƒ†› ‹•–ƒŽŽ‡† ͺ ‹Ž‘™ƒ–– •‘Žƒ” ’‘™‡” •›•–‡ ƒ†  „—Ž„• –‘
‡…‘—”ƒ‰‡‰”‡‡„ƒ‹‰‹ƒ‰Žƒ†‡•ŠǤ‡•‹†‡•ǡ™‡ƒ”‡ƒŽ•‘‡…‘—”ƒ‰‹‰ˆ—ŽŽƒ—–‘ƒ–‹‘‘ˆ
…‡–”ƒŽ „ƒ̵• ƒ…–‹˜‹–‹‡•Ǥ ŽŽ †‡’ƒ”–‡–• ‘ˆ  Š‡ƒ† ‘ˆˆ‹…‡ ƒ† ‹–• ‹‡ „”ƒ…Š ‘ˆˆ‹…‡• Šƒ˜‡
ƒŽ”‡ƒ†› „‡‡ „”‘—‰Š– —†‡” ƒ …‘’—–‡” ‡–™‘” …‘‡…–‹‰ ƒŽ‘•– ͵ǡͳͲͲ •Ǥ ƒ‰Žƒ†‡•Š
—–‘ƒ–‡† Š‡“—‡ ”‘…‡••‹‰ ›•–‡ ȋȌǡ ƒ‰Žƒ†‡•Š Ž‡…–”‘‹… —† ”ƒ•ˆ‡”
‡–™‘” ȋ Ȍǡ  ‘Ž‹‡ǡ ƒ–‹‘ƒŽ ƒ›‡– ™‹–…Š ȋȌǡ –‡”’”‹•‡ ƒ–ƒ ƒ”‡Š‘—•‡
ȋȌǡ‡Ǧ–‡†‡”‹‰ǡƒ†‡Ǧ”‡…”—‹–‡–ƒ”‡ƒŒ‘”‹•–ƒ…‡•‘ˆƒ—–‘ƒ–‹‘̶ƒŠƒƒ††‡†Ǥ
’ƒ”–ˆ”‘‹–‡”ƒŽ…ƒ’ƒ…‹–›„—‹Ž†‹‰ǡ–Š‡…‡–”ƒŽ„ƒƒŽ•‘‘„‹Ž‹•‡•ˆ—†•–Š”‘—‰Š†‹ˆˆ‡”‡–
„ƒ• –‘ ’”‘‘–‡ ‰”‡‡ ’”‘Œ‡…–•Ǥ ……‘”†‹‰ –‘ ǡ ‹– Šƒ• ƒŽ”‡ƒ†› †‹•„—”•‡† ƒ –‘–ƒŽ ‘ˆ 
͹ͶǤͶͶ…”‘”‡—’–‘‡’–‡„‡”ʹͲͳʹ–‘†‹ˆˆ‡”‡–’”‘Œ‡…–••—…Šƒ••‘Žƒ”‹””‹‰ƒ–‹‘’—’ȋ
ʹǤ͵ͺ …”‘”‡Ȍǡ •‘Žƒ” Š‘‡ •›•–‡ ȋ ͺǤͶͻ …”‘”‡Ȍǡ „‹‘‰ƒ• ’Žƒ– ȋ ʹʹǤ͹Ͳ …”‘”‡Ȍǡ ˆˆŽ—‡–
”‡ƒ–‡– Žƒ– ȋ ͶǤ͵Ͳ …”‘”‡Ȍǡ ›„”‹† ‘ˆˆƒ ‹Ž ȋ ͳͳǤ͹Ͳ …”‘”‡Ȍǡ ƒ† •‘Žƒ” 
‘†—Ž‡ƒ••‡„Ž‹‰’Žƒ–ȋʹͶǤͺͺ…”‘”‡ȌǤ
‹ˆˆ‡”‡–„ƒ•Šƒ˜‡†‹ˆˆ‡”‡–•–”ƒ–‡‰‹‡•–‘ˆ‹ƒ…‡‰”‡‡’”‘Œ‡…–•Ǥ ‘”‡šƒ’Ž‡ǡ”—•–ƒ
ˆ‹ƒ…‡• „‹‘‰ƒ• ’Žƒ–•ǡ ƒ•–‡” ƒ ‹˜‡•–• ‹ •‘Žƒ” ƒ••‡„Ž‹‰ ’Žƒ–ǡ —–—ƒŽ ”—•– ƒ
‰‹˜‡•ˆ—†–‘•‘Žƒ”‹””‹‰ƒ–‹‘•›•–‡ƒ†•‘Žƒ”’‘™‡”’Žƒ–’”‘Œ‡…–•‡–…Ǥ
‡™ „ƒ• ƒŽ•‘ •‡– ‡™ –”‡† ‹ ‰”‡‡ „ƒ‹‰Ǥ ‘” ‹•–ƒ…‡ǡ ƒ ŽˆƒŽƒŠ ‹–”‘†—…‡† ˆ‹”•–
‡˜‡”•‘Žƒ”’‘™‡”‡†„‘‘–Š‹ʹͲͳͳƒ†—–—ƒŽ”—•–ƒ”—•‹–•–™‘„”ƒ…Š‡•™‹–Š
•‘Žƒ”’‘™‡”Ǥ

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Green technology to protect environment
”—•–ƒˆ—‡Ž•–Š‡‰”‘™–Š‘ˆ„‹‘‰ƒ•’Žƒ–•
†™ƒ”†’—”„ƒ‹‰Šƒ
ͳ͹‘˜‡„‡”ʹͲͳʹ

”—•– ƒǡ ƒ Ž‡ƒ†‹‰ ’”‹˜ƒ–‡ „ƒ ‹ –Š‡ …‘—–”› Šƒ• …‘‡ ˆ‘”™ƒ”† –‘ ’”‘–‡…– –Š‡
‡˜‹”‘‡– „› ˆƒ…‹Ž‹–ƒ–‹‰ –Š‡ ‰”‘™–Š ‘ˆ „‹‘‰ƒ• ’Žƒ–•Ǥ Š‡ „ƒ ƒŽ”‡ƒ†› †‹•„—”•‡†
ʹͷΪ …”‘”‡ –‘ ‡•–ƒ„Ž‹•Š „‹‘‰ƒ• ’Žƒ–• ‹
ƒœ‹’—”ǡ ƒ‹‰ƒŒǡ ƒ–‘”‡ǡ ƒ‰ƒ‹Ž ƒ†
ƒ”‹•ƒŽ †‹•–”‹…–•Ǥ ……‘”†‹‰ –‘ –Š‡ „ƒǡ ƒ –‘–ƒŽ ‘ˆ ͺͷͲ „‹‘‰ƒ• ’Žƒ–• ƒŽ”‡ƒ†› •–ƒ”–‡†
‘’‡”ƒ–‹‘ƒ†’”‘…‡••‹•—†‡”™ƒ›–‘‹…”‡ƒ•‡–Š‹•—„‡”–‘ͳǡͲͲͲ„›–Š‹•‡…‡„‡”
ƒ†–‘ͷǡͲͲͲ„›ʹͲͳͷǤ

”—•–ƒ”—•–Š‹•‰”‡‡‹‹–‹ƒ–‹˜‡„ƒ•‡†‘̶ˆ‘—”…‘™‘†‡Ž̶ǤŠ‡„ƒŽ‡†•͵
ŽƒŠ –‘ ’‘–‡–‹ƒŽ ‡–”‡’”‡‡—”• ˆ‘” „—›‹‰ ˆ‘—” …‘™•Ǥ Š‡ –Š‡ „‘””‘™‡”• ”‡ˆ—† –Š‡
Ž‘ƒ ‹ ͵͸ ‹•–ƒŽŽ‡–• „› •‡ŽŽ‹‰ ‹ŽǤ Š‡ „ƒ ƒŽ•‘ ‰—‹†‡• –Š‡ „‘””‘™‡”• ™‹–Š „‘–Š
–‡…Š‹…ƒŽ ƒ† „—•‹‡•• ‹†‡ƒ• –‘ •—……‡••ˆ—Ž –Š‡‹” ˜‡–—”‡•Ǥ ’ƒ”– ˆ”‘ ‰ƒ• ‰‡‡”ƒ–‹‘ǡ
•Ž—””› ‰‡‡”ƒ–‡† ˆ”‘ –Š‡ „‹‘‰ƒ• ’Žƒ–• ‹• —•‡† ƒ• ‘”‰ƒ‹… ˆ‡”–‹Ž‹•‡”Ǥ ‡˜‡”ƒŽ „‹‰
…‘’ƒ‹‡•ƒŽ”‡ƒ†›•Š‘™‡†–Š‡‹”‹–‡”‡•––‘„—›–Š‹•‘”‰ƒ‹…ˆ‡”–‹Ž‹•‡”†‹”‡…–Ž›ˆ”‘–Š‡
’”‘†—…‡”•Ǥ

‹‘‰ƒ• ‘”‹‰‹ƒ–‡• ˆ”‘ „ƒ…–‡”‹ƒ ‹ –Š‡ ’”‘…‡•• ‘ˆ „‹‘Ǧ†‡‰”ƒ†ƒ–‹‘ ‘ˆ ‘”‰ƒ‹… ƒ–‡”‹ƒŽ
—†‡” ƒƒ‡”‘„‹… ȋ™‹–Š‘—– ƒ‹”Ȍ …‘†‹–‹‘•Ǥ  –Š‡ ƒ„•‡…‡ ‘ˆ ‘š›‰‡ǡ ƒƒ‡”‘„‹… „ƒ…–‡”‹ƒ
†‡…‘’‘•‡‘”‰ƒ‹…ƒ––‡”ƒ†’”‘†—…‡ƒ‰ƒ•ƒ‹Ž›…‘’‘•‡†‘ˆ‡–Šƒ‡ȋ͸ͲΨȌƒ†
…ƒ”„‘ †‹‘š‹†‡ …ƒŽŽ‡† „‹‘‰ƒ•Ǥ Š‹• ‰ƒ• …ƒ „‡ …‘’ƒ”‡† –‘ ƒ–—”ƒŽ ‰ƒ• ™Š‹…Š ‹• ͻͻΨ
‡–Šƒ‡Ǥ

‡–Šƒ‡‹•‘–‘Ž›–Š‡•‡…‘†‘•–‹’‘”–ƒ–‰”‡‡Š‘—•‡‰ƒ•ȋ‹–…‘–”‹„—–‡•™‹–ŠʹͲΨ
–‘ –Š‡ ‡ˆˆ‡…– ™Š‹Ž‡ …ƒ”„‘ †‹‘š‹†‡ …ƒ—•‡• ͸ʹΨȌǡ ‹– Šƒ• ƒŽ•‘ ƒ ʹͷ –‹‡• Š‹‰Š‡” ‰Ž‘„ƒŽ
™ƒ”‹‰’‘–‡–‹ƒŽ…‘’ƒ”‡†™‹–Š…ƒ”„‘†‹‘š‹†‡‹ƒ–‹‡Š‘”‹œ‘‘ˆͳͲͲ›‡ƒ”•Ǥ‹‘‰ƒ•
’Žƒ–‡ˆˆ‡…–‹˜‡Ž›”‡†—…‡•–Š‡ƒ‘—–‘ˆ‡–Šƒ‡†‹”‡…–Ž›”‡Ž‡ƒ•‡†‹–‘–Š‡ƒ–‘•’Š‡”‡ǡ
„›–”ƒ’’‹‰‹–ƒ†ˆƒ…‹Ž‹–ƒ–‹‰‹–•—•‡ƒ•ƒ‰”‡‡ˆ—‡ŽǤˆ–‡”„—”‹‰ǡ‡–Šƒ‡‘Ž›”‡Ž‡ƒ•‡•
Šƒ”Ž‡••‰ƒ•‡•‹ƒ‹”Ǥ

” –‹—” ƒŠƒǡ

‘˜‡”‘”ǡ ƒ‰Žƒ†‡•Š ƒ •ƒ‹†ǡ ̶‹‡ Šƒ• …‘‡ –‘ –ƒ‡ ”‹‰Š–
‡ƒ•—”‡•–‘’”‘–‡…–‘—”‡˜‹”‘‡–ƒ†–—”‘—”…‘—–”›‹–‘ƒ„‡––‡”Ž‹˜‹‰’Žƒ…‡ˆ‘”
–Š‡‡š–‰‡‡”ƒ–‹‘ǤŠ‡„ƒ‹‰•‡…–‘”…ƒ’Žƒ›ƒ’‹˜‘–ƒŽ”‘Ž‡‹‰”‡‡–”ƒ•ˆ‘”ƒ–‹‘
ƒ†ˆ‘”–Š‹•”‡ƒ•‘ƒ‰Žƒ†‡•ŠƒŠƒ•ƒŽ”‡ƒ†›ƒ•‡†ƒŽŽ–Š‡„ƒ•–‘’”‘‘–‡‰”‡‡
„ƒ‹‰Ǥˆ™‡ƒ”‡ƒ„Ž‡–‘‘„‹Ž‹•‡…ƒ•Š–‘ˆƒ…‹Ž‹–ƒ–‡‰”‡‡‹‹–‹ƒ–‹˜‡•–Š‡‹ˆ—–—”‡‹–™‹ŽŽ
„”‹‰ƒ’”‘ˆ‘—†‹’ƒ…–‘‘—”‡˜‹”‘‡–ǤƒŠƒ’’›–‘•‡‡–Š‡†‡†‹…ƒ–‹‘‘ˆ”—•–
ƒ –‘ Ž‡˜‡”ƒ‰‡ –Š‡ …‘—–”›™‹†‡ ‰”‘™–Š ‘ˆ „‹‘‰ƒ• ’Žƒ–•Ǥ  –Š‹ ‘–Š‡” „ƒ• ƒ†
‘”‰ƒ‹•ƒ–‹‘•™‹ŽŽ„‡‹•’‹”‡†„›–Š‡•—……‡••‘ˆ”—•–ƒ̶Ǥ

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 Annexure H
List of Terms and Acronyms

 —–‘ƒ–‡†‡ŽŽ‡”ƒ…Š‹‡
 ƒ‰Žƒ†‡•Š—–‘ƒ–‡†Š‡“—‡”‘…‡••‹‰›•–‡
 ƒ‰Žƒ†‡•Šƒ
 ƒ‰Žƒ†‡•ŠŽ‹ƒ–‡Šƒ‰‡–”ƒ–‡‰›ƒ†…–‹‘Žƒ
  ƒ‰Žƒ†‡•ŠŽ‹ƒ–‡Šƒ‰‡‡•‹Ž‹‡…‡ —†
  ƒ‰Žƒ†‡•ŠŽ‹ƒ–‡Šƒ‰‡”—•– —†
  ƒ‰Žƒ†‡•ŠŽ‡…–”‘‹… —†”ƒ•ˆ‡”‡–™‘”
 ‘”‡‹•ƒƒ‰‡‡–
 ‘”’‘”ƒ–‡‘…‹ƒŽ‡•’‘•‹„‹Ž‹–›
 ƒ•–‡”ƒ‹‹–‡†
 ˜‹”‘‡–ƒŽ‘•‡”˜ƒ–‹‘…–
 ˜‹”‘‡–ƒŽ‘•‡”˜ƒ–‹‘—Ž‡
 ˜‹”‘‡–ƒŽ—‡‹Ž‹‰‡…‡
 –‡”’”‹•‡ƒ–ƒƒ”‡Š‘—•‡
˜ ˜‹”‘‡–ƒŽ‹•ƒ–‹‰
 ˜‹”‘‡–ƒŽ‹•ƒƒ‰‡‡–
 –‡”’”‹•‡‡•‘—”…‡•Žƒ‹‰
 ˆˆŽ—‡–”‡ƒ–‡–Žƒ–
• ‘”‡‹‰‘‡”…‹ƒŽƒ•


”‡‡ƒ‹‰‹–



”‡‡‘—•‡
ĥ


‘˜‡”‡–ˆƒ‰Žƒ†‡•Š
 ›„”‹†‘ˆˆƒ‹Ž
 ‘…ƒŽ”‡ƒ‡–™‘”
• ‡ƒ•–‡˜‡Ž‘’‡†‘—–”‹‡•
  ‘„‹Ž‡ ‹ƒ…‹ƒŽ‡”˜‹…‡•
 ƒƒ‰‡‡–ˆ‘”ƒ–‹‘›•–‡
 —–—ƒŽ”—•–ƒ‹‹–‡†
 • ‘Ǧƒ ‹ƒ…‹ƒŽ•–‹–—–‹‘•

• ‘Ǧ
‘˜‡”‡–”‰ƒ‹œƒ–‹‘•
• ”‹˜ƒ–‡‘‡”…‹ƒŽƒ•
  ƒŽŽ‹ƒ”ƒƒŠƒ›ƒ ‘—†ƒ–‹‘
 ƒŒ•ŠƒŠ‹”‹•Š‹ƒ›ƒƒ
• –ƒ–‡™‘‡”…‹ƒŽƒ•
• ’‡…‹ƒŽ‹œ‡†‡˜‡Ž‘’‡–ƒ•
 ‘…‹ƒŽ•Žƒ‹ƒ‹‹–‡†
 ƒŽŽ†‡†‹—–‡”’”‹•‡
 ‹–‡†‘‡”…‹ƒŽƒ‹‹–‡†
  ‹–‡†ƒ–‹‘• ”ƒ‡™‘”‘˜‡–‹‘‘Ž‹ƒ–‡Šƒ‰‡
 ‹–‡†–ƒ–‡•‘ŽŽƒ”
 ‹†‡”‡ƒ‡–™‘”

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