Jyotirmoy

“Customer’s Awareness & Perception on Green Banking
Initiatives in SBI Bank with reference to Kamrup District”
INDIAN INSTITUTE OF BANK MANAGEMENT
A synopsis report submitted in partial fulfilment of the requirements for the award of
the Degree of Master of Business Administration (MBA), in NERIM Group of
Institutions under Dibrugarh University & Approved by AICTE
Submitted by
JYOTIRMOY DAS
MBA 3rd Semester
Roll No: 91/23
Session: 2022- 2024
UNDER THE GUIDANCE OF
ORGANISATIONAL GUIDE INSTITUTIONAL GUIDE
Dr. Abhijit Sharma Mr. Basu Mandal
Assistant Professor (Dept. of

Senior Professor
Business Administration)
INDIAN INSTITUTE OF BANK NERIM Group of Institutions
MANAGEMENT (IIBM)
NERIM Group of Institutions

Padma Nath Sarmah Bhawan
Joyanagar, Khanapara, Guwahati - 781022
DECLARATION
I, Jyotirmoy Das, student of MBA 3rd Semester of NERIM Group Institutions, hereby declare
that this project entitled “Customers' Awareness & Perception on Green Banking
Initiatives in SBI Bank with reference to Kamrup district” is prepared by me during the
period of “July – August 2023” and is submitted in partial fulfilment of the requirements for
the award of the Degree in Master of Business Administration (MBA) of Dibrugarh
University.
Date: Signature
Place: Guwahati Jyotirmoy Das
Roll No: 91/23
ACKNOWLEDGEMENT
I take this opportunity to thank those people, whose constant guidance, support and help,
have provided me to see the face of completion of this project. Preparing a project is tedious
task and I was fortunate enough to get support from a large number of people to whom, I
shall always remain grateful.
At the very outset. I would like to convey my heartiest thanks to our respected Chairman Sir
Dr. Z.N Sarmah and Director Madam Prof. (Dr.) Sangeeta Tripathi, who have given us this
opportunity to do the project.
I here with take this opportunity to convey my sincere thanks to my organizational guide Dr.
Abhijeet Sharma, Sr. Professor (IIBM) , Guwahati for helping me throughout the project. I
would also like to thank my institutional guide Mr. Basu Mandal, Asst. Prof. NERIM Group
of Institutions ,for giving me the opportunity to do the project under their supreme guidance
and for their valuable suggestions and a supportive attitude throughout the course of my
project.
Last but not least, I would like to thank all my friends and family members for their support
and help during the preparation of the project
Jyotirmoy Das
CONTENTS
CHAPTER NO. CONTENTS PAGE NO
Certificates
Declaration
Acknowledgement
Chapter -I Introduction 1-2
 About the Institution
(Company Profile)
Chapter - II  About Subject 3-12

 Research Methodology
 Title of the study
 Statement of the problem
 Objectives of the study
 Scopes of the study
 Types of research
 Sources of data
 Population of the Study
 Sample Size
 Sampling Techniques
 Plan of Analysis
 Reference Period
 Limitations of the study
Chapter - III Data Analysis & 13-41

Interpretation
Chapter - IV Findings & Suggestions 42-44
Chapter - V Conclusion , Appendix , 45-52
References
CHAPTER-I
ABOUT THE INSTITUTION

(COMPANY PROFILE)
INDIAN INSTITUTION OF BANK MANAGEMENT (IIBM)
Indian Institution of Bank Management (IIBM), Guwahati (erstwhile North Eastern

Institution of Bank Management (NEIBM) was established and registered as society in 1980.
It is an autonomous institute mandated to meet the capacity building imperatives of Bank &
Financial Institution, especially from the North Eastern Region of India.
Indian Institute of Bank Management (IIBM), is sponsored by Reserve Bank of India,

NABARD, State Bank of India, Union Bank of India, UCO Bank, Central Bank of India and
Indian Bank. The Deputy Governor Dr. M.D Patra is the chairman of the Governing Board of
IIBM, Guwahati.
The institution is directed by Shri Eugene E Karthak who is a former Executive Director,
Reserve bank of India and the institute has the 5 faculty members
Dr. Abhijit Sharma
Dr. Pinky Dutta
Shri A K Bajpai
Shri P karPurkayastha
A K Bhattacharja
IIBM as s unit sponsored by banking system for meeting the capacity building needs has been
focusing on training, research and consulting in banking and related areas, IIBM has
experienced faculty from industry & academia to bring both conceptual & operational
dimensions of banking to its training initiatives, Apart from focus on functional areas, IIBM
also believes that leadership development at different levels in a financial intermediary on
competitive market is of utmost importance.
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Therefore, at IIBM the focus on leadership development has become sharper now than ever
before. The unique feature of IIBM Guwahati has been its ability to draw working executives
as resource persons from banks, financial institution, RBI, NABARD and Government
Department and so to enhance the quality of training programs.
IIBM is located at Guwahati, Assam, the gateway to picturesque North Eastern states of
India. Situated on the banks of the mighty river Brahmaputra, Guwahati is home to the
famous Kamakhya Temple, Eastern Balaji temple and Sankardev Kalakhetra.
The institute has its own campus in the Khanapara institutional area of Guwahati and has
facilities like the state of the art classroom, Wifi campus, conference rooms, hostel with well-
appointed AC rooms and well-stocked library.
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CHAPTER-II
Topic- “Customers' Awareness & Perception on Green Banking Initiatives in SBI Bank
with reference to Kamrup district”
1.1 INTRODUCTION
Green banking is emerging concept for environment sustainability it means promoting
environment friendly practices for sustainable growth and reduces the carbon footprint from
the banking industry. Using online banking instead of branch banking, paying bills online
instead of mailing them, opening online bank account are now added advance to the banking
technology or contributing the environment sustainability..
Green Banking means promoting environmental-friendly practices and reducing carbon
footprint from banking activities. Using online banking instead of branch banking. Paying
bills online instead of mailing them. Opening up CDs and money market accounts at online
banks, instead of large multi-branch banks.
"Earth provides enough to satisfy every man's needs, but not every man's greed."
--Mahatma Gandhi
Banking sector is generally considered as environment friendly in terms of emission and
pollutions. Internal environmental impact of the banking sector such as use of energy, paper
and water are relatively low and clean. This is an effort by the banks to make the industries
grow green and in the process restore the natural environment. This concept of Green banking
will be mutually beneficial to the Consumers, banks, industries and the economy. For
consumers this shift towards green banking means that more deposit and loan products will
be available through online and mobile banking. It also means better deposit rates on CDs,
money market accounts and savings accounts. Green banks should also have lower fees and
give rate reductions on loans going towards energy efficient projects. This is banking beyond
pure profit. Another important aspect of green banking is the involvement and outreach from
the individual banks to their local community.
1.1.1 CONCEPT OF GREEN BANKING

Green banking is a banking practice that promotes environmentally friendly practices and
reduces the carbon footprint of banking activities. It is also known as ethical banking or
sustainable banking. Green banks consider all the social and Environmental/ecological
factors with an aim to protect the environment and conserve natural resources.
Green Banking can be implemented by a proper use of technology. The various ways in
which banks have adopted through this wave of change are:
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• Sending payment slips, reimbursement slips electronically.
• Online Net Banking System.
 Paying bills online.
• Opting for Mobile Banking.
 Paper Recycling.
• ATM.
• Green Checking Accounts.
• Conduct meeting through Video Conferencing
1.1.2 HISTORY OF GREEN BANKING
Green Banking is any form of banking from that the country and nation gets environmentally
benefits. An orthodox bank becomes a green bank by directing its core operations toward the
betterment of environment. The banking sector can play an intermediary role between
economic development and environment protection by promoting environmentally
sustainable and socially responsible investment. The concept of green banking was developed
in the western countries. Green Banking was formally started in 2003 with a view to
protecting the environment. Then the Equator Principles (EPs) were launched and were
initially adopted by some leading global banks, such as Citigroup Inc, The Royal Bank of
Scotland, Westpac Banking Corporation. In March 2009, Congressman Chris Van Hollen of
USA introduced a Green Bank Act with the aim of establishing a green bank under the
ownership of the US government. After introduce the Green Banking initial decision was to
minimize the paper use in banking works because to make all kinds of papers need to cutting
trees as raw materials (its minimize the green forestation) and for this reason naturally its
reduce the Oxygen and increase the carbon-dioxide in airspace/ globe .There are two ways of
green banking practices. One is in-house green banking; another is practice by the bankers in
their business area. Creating clean and hygienic banking environment, green building.
Reforestation, online banking, waste management, installation of solar panel on the rooftop
of the bank and using high mileage vehicles, reducing sound pollution, sing webcam for
video conferencing instead of physical meetings, online statements, emailing documents are
included in the in-house Green Banking.
Financing the green projects like Bio-gas Plant, Solar/Renewable Energy Plant, Bio-fertilizer
Plant, Effluent Treatment Plant (ETP), Projects having ETP etc, working on specific green
projects, voluntary activities of banks are major practices by the bankers in their business
areas. Green banking undertakes proactive measures to protect environment and to address
climate change challenges while financing along with efficient use of renewable, non-
renewable, human and natural resources.
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1.1.3 GREEN BANKING IN INDIA
In recent years, Indian banks have noticed the developing tendency and have significantly
altered their operational tactics. The Indian banking industry has faced numerous problems,
including changes in customer behaviour, technology advancements, regulatory changes, and
so on. It has gone through a series of challenges and has learned to adapt to changing
circumstances. Going green is a new notion in India, and Indian banks have embraced it in a
variety of ways. The following are the different banks in India that offer green banking
services to their users.
 SBI has begun to implement a green banking policy. This is India’s first green
bank, specializing in going green and encouraging green energy Projects.
 Punjab National Bank: They’d made a number of efforts to reduce emissions and
energy use.
 Bank of Baroda: They had undertaken a number of green banking efforts,

including the funding of a commercial project. BOB prefers green initiatives that
are environmentally benign, such as windmills, biomass, and solar electricity,
because they assist in collecting carbon credits.
 Canara Bank has incorporated eco-friendly measures like mobile banking, online
banking, tele-banking, and solar-powered biometric processes as part of its green
banking effort.
1.1.4 GREEN BANKING PRODUCTS AND SERVICES.

1.Online Savings Account:-Online savings account and mobile banking is the easiest way
that you can do your part to bank green and help the environment. Green banking includes
setting up direct deposit to receive your pay cheques, receiving electronic statements from
your bank and by paying bills online. All of these steps can drastically reduce the amount of
paper produced by your bank. Online banking and mobile banking are also highly effective
ways to Keep track of your finances and to avoid late payment fees.
2. Paperless Statement:-Sending out bank statement by mail is a big waste of paper.
Signing up for online banking at most banks includes an option for customers to receive their
statements electronically through a secure log in. Copies of banking records and statements
can then be stored electronically instead of in a filing cabinet. Receiving statements
electronically also reduces the chance of identity theft.
3.Use Direct Deposit:-Most employers will give employees the option to receive their pay
cheque electronically. Not only does this speed up the availability of your money and save
you a trip to the bank, it saves paper, lots of paper work etc.
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4. Online bill payments:-Paying bills online is something of a lifestyle change, but it can be
done. Telephone bills, cable bills, utility bills, credit card Payments and mortgage payments
can all be paid electronically. In fact, some Online banking customers have thrown away their
cheque books and Completely converted to online payments. Not only is the recordkeeping
much Easier, but again massive amounts of paper is saved.
5. Net banking:-Online banking is when customers perform most of their banking related
functions without visiting the bank, personally. To do so customers must possess an internet
banking ID and a password provided by the bank in which the individual customer has an
account.
6. Credit and Debit Cards:-Credit card and debit card can be used while Making the
payment of various expenses without caring the money.
7. Electronic fund transfer:-Electronic banking, also known as electronic fund transfer
(EFT), uses computer and electronic technology as a substitute for cheques and other paper
transactions. EFTS is initiated through devices like cards or codes that let you, or those you
authorize, access your account. Many Financial institutions use ATM or debit cards and
personal identification numbers (PINs) for this purpose.
8.Mobile banking-Mobile banking is a term used for performing balance checks, account
transactions, payments, credit applications etc. Via a mobile device such as mobile phone or
personal digital assistant (PDA).
1.1.5 FEATURES OF GREEN BANKING
1. Providing green financial products: Green banks offer a variety of green financial
products, such as green loans, green mortgages, and green savings accounts. These
products are designed to help customers reduce their environmental impact.
2. Adopting green practices: Green banks themselves can adopt green practices, such
as using recycled paper and reducing their energy consumption. This shows their
commitment to environmental sustainability and encourages their customers to do the
same
3. Promoting sustainable agriculture: Green banks can provide loans and Other
financial products to farmers who are using sustainable agricultural Practices. This
helps to protect our soil and water resources and reduce our Impact on the climate.
4. Financing green infrastructure: Green banks can provide loans and other financial
products to projects that develop or improve green infrastructure, such as parks, bike
paths, and green roofs. This helps to make our cities and towns more liveable and
sustainable.
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5. Educating customers: Green banks also educate their customers about the
importance of environmental sustainability. They offer workshops, seminars, and
other resources to help customers learn more about green banking and how they can
make a difference.
6. Investment in renewable energy and energy efficiency: Green banks provide loans
and other financial products to businesses and individuals that are involved in
renewable energy or energy efficiency projects. This helps to reduce our reliance on
fossil fuels and promote a cleaner environment
11.6 BENEFITS OF GREEN BANKING
Major benefits of green banking are listed below:-

1. Green banking avoids paper work and makes use of online transactions Such as Internet
banking, SMS banking and ATM banking. Paperless banking helps in controlling
deforestation.
2. Free Electronic Bill Payment
3. Provides loans at concessional rates to environment friendly products and projects
4. Banks can create awareness about benefits of green banking among employees and
customers.
5. Banks around the world are going green by launching environmental Friendly initiatives
and providing innovative green products.
6. Resources can be conserved and utilized in more efficient way by using paperless banking.
7. E-Statement will be generated and sent to the customers’ email.
8. Banking industry can contribute in saving the earth by taking environment Friendly
initiatives.
9. Green banks gives more importance to environmental friendly factors like ecological
gains thus interest on loan is comparatively less.
10. Generate Clean and hygienic environment Environmental conservation and Protection of
ecological balance.
11. Online account opening form for opening green account. 12.Cash back will be credited to
all new customers, opening “green accounts”.
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1.1.7 ADVANTAGES OF GREEN BANKING
1. Basically Ethical banking avoids as much paper work as possible and rely on online
/electronic transactions for processing so that you get green credit cards and green
mortgages. Less paper work means less cutting of trees.
2. Creating awareness to business people about environmental and social Responsibility
enabling them to do a environmental friendly business practice.
3. Use of Online banking instead of branch banking saves time.
4. Green banks adopt and implement environmental standards for lending, which is
really a proactive idea that would enable eco-friendly business practices which would
benefit our future generations.
5. 5. When you are awarded with a loan, the interest of that loan is Comparatively less
with normal banks because ethical banks give more Importance to environmental
friendly factors- ecological gains.
6. Natural resources conservation is also one of the Underlying principles in a green
bank while assessing capital/operating loans to extracting/industrial business sector.
7. Tax benefits
8. Better economic control
9. Increase customer goodwill.
1.2 LITERATURE REVIEW
1. Jha and Bhome (2013) conduct a similar survey as stated above to check and thereby
create consumer awareness on Green Banking. Conducting interviews and using
specially structured questionnaires for survey they state certain steps needed in Green
Banking. Online Banking, Green Checking Accounts (ATM, Special Touch Screens),
Green loans (low rate to those who wish to buy solar equipments) for supporting
environment friendly residential projects, power saving equipments, Green Credit
Cards, Paper Saving Mobile Banking are among few steps suggested by them. Green
Banking will ensure organization’s move towards sustainability.
2. Nath, Nayak et al. (2014) attempt to study the green rating standard given by RBI,
the World Bank’s environmental and social norms and the initiative taken by bank in
adopting green practices. They also list strategies for adopting Green Banking. Green
Rating Standard is known as Green Coin Rating. Under this banks are evaluated on
the basis of carbon emissions and amount of recycling activities. World Bank has
formed environmental and social norms for financial institution. These norms provide
ways to reduce environmental impact. Banks are required to do Environmental Impact
Assessment, Annual Reporting and adopt sustainable technology. The researchers
study and list the initiative taken in respect of environment by Different banks in
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India. If the Indian banks want to achieve some position in global economy then they
have to act as good corporate citizens.
3. Rajesh and Dileep (2014) their study as sorted that banks can play a vital role in the
sustainable development by adopting green banking practices. The banks must work
in a planned manner for financing/investing in client’s ideas/proposals directly or
indirectly towards carbon footprints. Banks have A large client base therefore; they
can spread awareness among their clients by adopting green initiatives for reducing
pollution, emission and radiation
4. Singhal, Singhal & Arya (June 2014) in their paper entitled Green Banking: An
Overview studied, how bank can go greener. According to study banking industries
and financial institution plays a very important role in the growth of an earth. Green
banking saves the energy and environment both. Now a day’s many bank offering
green product like ATM, Green credit cards, green CDs, electronic fund transfer, use
of solar and wind. Energy etc. But still it’s not completed. We have to make more
efforts so we can save environment and green banking is one of the best way to start
this.
5. Khedekar (2014) in her research entitled Banking with Technology- Green Banking
studied the various technology used by the banking industries to make the
environment green. According to study bank should provide basic + premium internet
banking product such as opening bank account, Demat account holding, standing
instruction, investment etc. This Study suggests that bank should conduct seminar and
conference to educate the public regarding the uses of internet banking as well as
security issue. She suggests “Virtual Banking” where customer can’t deal in cash to
those branches which are far from the main branch.
6. Sreeshach (2014) in his paper entitled A Study of Green Banking Initiatives of

Selected Private and Public Sector Banks in India, in her paper entitled banking with
technology green banking the various models or channels of green banking which are
taken by the banking sector in the banking activities. This study also focuses on
environment sustainability concept adopted by various private and public sector banks
in India. According to the study, bank is not taking interest in green banking
completely. Public sector banks are more interested in green banking as compare to
private sector bank. For maintaining sustainability, bank should expand the use of
environmental information in the banking operation, lending and investment decision.
This will help them to improve Environment sustainability and create long term value
for the business
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7. Sahitya & Lalwani (2014) made an attempt to understand and appreciate the
importance of green banking initiative for the attainment of goal of sustainable
banking and determine the various attempt that have been by the top public and
private sector bank in India. The study has revealed that the banking sector has
become extremely conscious of the need of go green. Both public and private sector
bank are involved in this process. It can be possible by the paperless banking like
ATM, mobile and internet banking. The adoption of green banking not only enhances
the image of green banking but also contribute in the sustainable growth of economy.
8. Ragupathi. M and Sujatha .S (2015) in their paper entitled Green Banking

Initiatives of Commercial Banks in India, studied the way to go green
through green banking. According to this paper, earlier bank was not aware about the
concept green banking. But now a day's banks are playing very important role in
environment sustainability program. By the green banking practice people is getting
more aware about the global warming and each business man's contributing in
environment sustainability to make this earth a better place to live in. Green banking
is not only greening the industries but it will also facilitate in improving the assets
quality of the bank in future.
1.3 OBJECTIVES OF THE STUDY
1. To study the customers awareness & perception towards Green Banking.

2. To analyze the factors that affects the use of Green Banking among customers.
3. To know about various Green Banking initiatives & practices.
4. To provide suggestion to promote their Green Banking practices.
1.4 SCOPE OF THE STUDY

The scope of the present study will be limited to analyze the green banking initiatives taken
by the State Bank of India. The study aims at measuring the level of awareness and
perception and also it focuses to identify the motivating factors of the customers towards
green banking services.
1.5 RESEARCH METHODOLOGY

The research was undertaken on the basis of data collected from both primary and secondary
sources. The primary data were collected from customers who use using green banking
services namely ATMs, Online banking, Mobile banking, Green channel counter, Cash
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Deposit Machine and Green remit card with the help of questionnaire. The secondary data
were collected from bank official website.
1.5.1 SAMPLING
The researcher has selected sample of 130 respondents. Sampling method was adopted and
respondents were chosen convenience sampling. Questionnaires were used to collect data
from the respondents. Structured questionnaire were framed from various researches to suit
this specific study. Self- administered questionnaires were distributed to the respondents for
the study.
1.5.2 AREA OF THE STUDY
The study area chosen is Kamrup district which is located in the Assam.
1.5.3 SOURCES OF DATA
PRIMARY DATA - Primary data are those data which are collected by the researchers
directly from main sources through survey, interview, experiments etc.
The present study will be based on primary data which will be collected using questionnaire.
Two modes are used for collection of data through questionnaire (depending on the ease of
usage/access of the officers)
ONLINE - Through Google Form.
OFFLINE - Printed copies of the questionnaire are distributed.
SECONDARY DATA - Secondary data is the data that has previously been gathered and can
be accessed by researchers.
The secondary source of data has been used for this project study are from various booklets,
websites and journals.
1.6 REFERENCE PERIOD
The study is for two months i.e. from 03/07/2023 – 01/09/2023.
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1.7 PLAN OF ANALYSIS
The data collected are analysed with the help of table pie chart and bar diagram.
1.8 LIMITATIONS OF THE STUDY
Every researcher has to face several limitations. Some limitations can be controlled and some
limitations are out of control of the researcher. In this particular study the researcher had
some limitations as follows:
1. The study area was restricted to Kamrup district only.
2. The study covers only SBI customers and the other banks were not Included in the
study.
3. The sample size is limited to 130 respondents only.
4. The study also suffers from time and money constraints.
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CHAPTER-III
ANALYSIS AND INTERPRETATION OF DATA
3.1 INTRODUCTION
The chapter III is dedicated to the analysis of the data. The data has been analyzed with
the help of frequency table, percentage methods etc, and interpreted with the help of
diagram. The data analysis is as follows-
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Table 3.1 Age of the respondents.
AGE (Years) NO. OF RESPONDENTS PERCENTAGE OF THE

RESPONDANTS(%)
18-24 57 43.85%
25-34 42 32.31%
35-49 21 16.15%
50-74 10 7.69%
75 years or above 0 0%
TOTAL 130 100%
Source: Primary data collected by the researcher
From the above table, it can be interpreted that out of 130 responses 43.85% of the
respondents are 18 to 24 years, 32.31% of the respondents are 25 to 34 years, 16.15% of the
respondents are 35 to 49 years and 7.69% of the respondents are 50 to 74 years. No
respondent falls above the age of 75 years. The above table is represented with the help of a
diagram.
AGE (Years) NO. OF RESPONDENTS

PERCENTAGE OF THE RESPONDANTS(%)
43.85%
60
32.31%
50
40
30 57 16.15%
42
20 7.69%
21
10 0.00%
10
0
0
1 2 3 4 5
14
Table 3.2 Response of the respondent
GENDER NO. OF RESPONDENT PERCENTAGE OF

RESPONDENTS (%)
MALE 86 66.15%
FEMALE 44 33.85%
OTHERS 0 0%
TOTAL 130 100%

From the above table it can be stated that level of respondents i.e. 66.15% falls under the
male category and 33.85% under female category and No response from other category. The
above table is represented with the help of diagram below.
NO. OF RESPONDENT 33.85%

66.15% PERCENTAGE OF RESPONDENTS (%)
100%
90%
80%
70%
60%
86 44
50%
40%
30%
20%
10%
0.00%
0
0%
MALE FEMALE OTHERS
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Table 3.3 Representation of the Respondent’s Annual Income
Income Level(Rs) NO of respondents Percentage of Respondents(%)
0-15000 28 21.54%
16000-30000 43 33.08%
31000-45000 26 20%
46000-60000 17 13.08%
61000-75000 3 2.30%
76000-90000 7 5.38%
91000 above 6 4.62%
TOTAL 130 100%

respondents income is 0-15000, 33.08% of the respondents income is 16000-30000, 20% of
the respondents income is 31000-45000, 13.08% of the respondents income is 46000-60000,
2.30% of the respondents income is 61000-75000 and 5.38% of the respondents income is
76000-90000 and 4.62% of respondents income is 91000 andabove. The above table is
represented with the help of a diagram.
Series1 Series2
0.330800000000002
45
40
35
0.215400000000001 0.2
30
25
43 0.1308
20
15 28 26
0.0538 0.0462
10 17
0.023
5 7 6
3
0
0
Income 0-15000 16000- 31000- 46000- 61000- 76000- 91000
Level(Rs) 30000 45000 60000 75000 90000 above
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Particulars NO. of respondents Percentage of respondents(%)
Full Time 97 74.62%
Part Time 24 18.46%
Retired 9 6.92%
Prefer Not To Say 0 0%
TOTAL 130 100%
Table 3.4 Representation of the respondent’s Current employee status
Source: Primary Data collected by the researcher
respondents have a job, 18.46% of the respondents have a part time job, 6.92% of the
respondents are retired. The above table is represented with the help of a diagram
NO. of74.62%
respondents Percentage of respondents(%)
100
90
80
70
60
97
50
40 18.46%
30
6.92%
20 0.00%
24
10 9
0
0
Full Time Part Time Retired Prefer Not To Say
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Table 3.5 Representation of the respondent’s marital status
Particular No. of respondents Percentages of Respondents
Married 27 20.77%
Unmarried 103 79.23%
Prefer not to say 0 0%
Total 130 100%
From the above table, it can be interpreted that the out of 130 responses 20.77% of the
respondents are married, 79.23% of the respondents are unmarried and no the respondents are
prefer not to say. The above table is represented with the help of a diagram
No. of respondents Percentages of Respondents
120 0.7923
100
80
60 103
0.2077
40
20 27
0
0
0
Married Unmarried Prefer not to say
Table 3.6 Representation of the respondent’s highest level of education
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Particular No. of respondents Percentage of Respondents
10th 9 6.92%
12th 11 8.46%
Bachelor Degree 56 43.08%
Master Degree 39 30%
Other 4 3.08%
Prefer not to say 11 8.46%
Total 130 100%
From the above table, it can be interpreted that out of 130 responses 6.92% of the respondents
are 10th pass, 8.46% of the respondents are 12 pass, 43.08% of the respondents have Bachelor
Degree, 30% of the respondents have Master Degree, 3.08% of the respondents have other
education qualification and 8.46% respondents prefer not to say The above table is
represented with the help of a diagram
No. of respondents Percentage of Respondents

43.08%
60
50 30.00%
40
30 56
39 8.46%
20 6.92% 8.46%
3.08%
10
9 11 11
4
0
10th 12th Bachelor Master Other Prefer not to
Degree Degree say
Table 3.7 Representation of the respondent's Green Banking awareness among their
customers
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SL Particular Strongly Agree Neutral Disagre Strongly Total
Agree e Disagree
3.7(a) Are you an 60 52 12 6 0 130

environment
conscious person
3.7(b) Do you have 52 47 22 9 0 130

knowledge about
green banking
3.7(c) Are you aware of 47 38 41 4 0 130

the concept of
green product
3.7(d) Are you aware of 31 27 57 11 4 130

green banking
practices being
followed in SBI
3.7(e) Does SBI provides 41 37 32 12 8 130

satisfactory
services
3.7(a) Representation of the respondent’s environment conscious person
20
respondents are strongly agree for environment conscious person, 40% of the respondents are
agree, 9.23% of the respondents are Neutral, 4.62% of the respondents are Disagree and No
respondent. The above table is represented with the help of a diagram.
50.00%
46%
45.00% 40%
40.00%
35.00%
30.00%
25.00%
20.00%
15.00% 9%
10.00% 5%
0%
5.00%
0.00%
Strongly Agree Agree Neutral Disagree Strongly Disagree
3.7(b) Representation of the respondent’s knowledge about green banking
21
From the above table, it can be interpreted that the out of 130 responses 40% of the
respondents are very strongly agree for know about green banking, 36.15% of the
respondents are agree, 16.92% of the respondents are Neutral, 6.93% of the respondents are
Disagree and No respondent. The above table is represented with the help of a diagram.
40.00% 40%
36.15%
35.00%
30.00%
25.00%
20.00% 17%
15.00%
7%
10.00%
0%
5.00%
0.00%
3.7(c) Representation of the respondent’s aware of the concept of green Banking
22
respondents are very strongly agree for aware of the concept of green banking. 29.23% of the
Disagree and No respondent. The above table is represented with the help of a diagram.
40.00%
36%
35.00% 32%
.29.23%
30.00%
25.00%
20.00%
15.00%
10.00%
3%
0%
5.00%
0.00%
3.7(d) Representation of the respondent’s aware of green banking practices Being

followed in SBI.
23
respondents are very strongly agree for aware of green banking practices being followed in
SBI, 20.77% of the respondents are agree, 43.84% of the respondents are Neutral, 8.46% of
the respondents are Disagree 3.08% of the respondents are strongly disagree. The above table
is represented with the help of a diagram
45.00% 44%
40.00%
35.00%
30.00%
24%
25.00%
20.77%
20.00%
15.00% 8%
10.00% 3%
5.00%
0.00%
3.7(e) Representation of the respondent’s SBI provides satisfactory services.
24
respondents are very strongly agree for SBI provides satisfactory services, 28.46% of the
Disagree and 6.15% of the respondents are strongly disagree. The above table is represented
with the help of a diagram.
35.00% 32%
28.46%
30.00%
25%
25.00%
20.00%
15.00%
9%
10.00% 6%
5.00%
0.00%
Table 3.8: Representation of the respondent’s Mostly used green banking
SL Particulars Rank Percentage

No.
25
1 ATM’s 33 25.38%
2 Internet banking 38 29.23%
3 Mobile Banking 54 41.54%

4 Green Channel 2 1.54%
Counter
5 Green Card 3 2.31%
Total 130 100%
respondents use green banking ATM’s service, 29.23% of the respondents use internet
banking, 41.54% of the respondents use mobile banking, 1.54% of the respondents use green
channel counter and 2.31% respondent use green card..The above table is represented with
the help of a diagram.
Rank Percentage
60
54
50
38
40
33
30
41.54%
29.23% 1.54%
25.38%
2.31%
20
10
2 3
0
ATM’s Internet banking Mobile Banking Green Channel Green Card
Counter
Table 3.9: Representation of the respondent’s Factors influencing the adaptation of

green banking services:
26
Factors Strongly Agree Neutral Disagree Strongly TOTAL
Agree Disagree
3.11(a)Convenience 41 57 24 6 2 130
3.11(b)Ease of use 52 72 4 1 1 130
3.11(c)Environment 44 63 23 0 0 130
Concern
3.11(d)Time and cost 72 33 19 4 2 130

savings
3.9(a) Representation of the respondent’s Convenience
respondents are strongly agreeing to the convenience of adaptation of green banking services,
43.85% of the respondents are agreeing, and 18.46% of the respondents are Neutral, 4.62% of
27
the respondents are Disagree and 1.53% respondent are strongly disagreeing. The above table
is represented with the help of a diagram.
44%
45.00%
40.00%
35.00% 32%
30.00%
25.00%
18%
20.00%
15.00%
10.00%
5%
5.00% 2%
0.00%
3.9(b) Representation of the respondent’s Ease of use
From the above table, it can be interpreted that out of 130 responses 40% of the respondents
are strongly agree for ease of use, 55.38% of the respondents agreed, 3.08% of the
28
respondents are Neutral, 0.77% of the respondents are Disagree and 0.77% respondent are
strongly disagreed. The above table is represented with the help of a diagram.
60.00% 55%
50.00%
40%
40.00%
30.00%
20.00%
10.00%
3%
1% 1%
0.00%
3.9(c) Representation of the respondent’s Environment concern
respondents are strongly agree environment concern factors influencing the adaptation of
29
green banking services, 48.46% of the respondents agreed, 17.69% of the respondents
neutral, no respondents disagree and no respondents strongly disagree. The above table is
48%
50.00%
45.00%
40.00%
34%
35.00%
30.00%
25.00%
20.00% 18%
15.00%
10.00%
5.00%
0% 0%
0.00%
3.9(d) Representation of the respondent’s Time and cost saving
30
From the above table, it can be interpreted that the out of 130 responses 55.38% of the
respondents are strongly agreed to time and cost saving factors influencing the adaptation of
green banking services ,25.38% of the respondents agreed, 14.62% of the respondents are
Neutral, 3.08% respondents are Disagree and 1.54% respondents strongly disagree. The
above table is represented with the help of a diagram.
60.00% 55%
50.00%
40.00%
30.00% 25%
20.00%
15%
10.00%
3%
2%
0.00%
Table 3.10Representation of the respondent’s Source of information about
31
SL Particulars No. Of Percentage of Rspondents
No. Respondents
1 Banking Officials 27 20.77%
2 Friends 69 53.08%
3 Internet 30 23.07%
4 Newspaper 2 1.54%
5 Book and Journal 1 0.77%
6 Others Sources 1 0.77%
TOTAL 130 100%
respondents known about the green banking from banking officials, 53.08% of the
respondents known about the green banking from Friends. 23.07% of the respondents known
about the green banking from Internet, 1.54% of the respondents known about the green
banking from newspaper. 0.77% of the respondents known about the green banking from
Books and journal and 0.77% of the respondents known about the green banking from other
source. The above table is represented with the help of a diagram.
No. Of Percentage of Rspondents

53.08%
70
60
50
20.77% 23.07%
40
30
20 1.54% 0.77%
0.77%
10
0
Internet
Friends
Newspaper
Others Sources
Banking Officials
Book and Journal
1 2 3 4 5 6

Table 3.11 Representation of the respondent’s Source of Initiative to be by the bank
toward adopting green banking:
32
SL Particulars Strongly Agree Neutral Disagree Strongly Total
agree Disagree
3.9(a) Use of 54 61 12 3 0 130

common
transport for
official posted
at one office
3.9(b) Use of solar 47 73 9 1 0 130

powered
ATM’s
3.9(c) Providing 59 68 3 0 0 130

recyclable debit
card and credit
card
3.9(d) Conducting 46 71 3 8 2 130

workshop and
seminar for
green banking
3.9(e) Bank 67 51 3 7 2 130

environmental
policy
3.9(f) Cash deposit 55 62 10 3 0 130

system
3.9(g) E-investment 69 53 7 1 0 130

system
3.9(h) Communicate 33 47 42 5 3 130

through the
press
3.11 (a) Representation of the respondent’s Use of common transport for official Posted
at one office
33
respondents strongly agree for use of common transport for official posted at one time,
46.92% of the respondents agree, 9.23% of the respondents are Neutral, 2.31% of the
respondents Disagree and there is no respondent for strongly disagree. The above table is
50.00%
47%
45.00%
42%
40.00%
35.00%
30.00%
25.00%
20.00%
15.00% 9%
10.00% 2%
0%
5.00%
0.00%
3.11(b) Representation of the respondent’s Use of Solar Powered ATMs
34
respondents strongly agree for use of solar powered ATM’s, 56.15% of the respondents agree,
6.92% of the respondents are Neutral, 0.77% of the respondents Disagree and there is no
respondent for strongly disagree. The above table is represented with the help of a diagram.
60.00% 56%
50.00%
40.00% 36%
30.00%
20.00%
10.00% 7%
1% 0%
0.00%
35
3.11(c) Representation of the respondent’s providing recyclable debit card and credit
card
respondents strongly agree for Providing recyclable debit card and credit card, 52.31% of the
respondents agree, 2.31% of the respondents are Neutral and there is no respondent for
disagree and strongly disagree. The above table is represented with the help of a diagram.
60.00%
52%
50.00% 45%
40.00%
30.00%
20.00%
10.00%
2%
0% 0%
0.00%
3.11(d) Representation of the respondent’s Conducting Workshops and Seminars for

green banking
36
respondents strongly agree for Conducting Workshops and Seminars for green
banking ,54.62% of the respondents agree, 2.31% of the respondents are Neutral, 6.15% of
the respondents Disagree and 1.54% of respondent strongly disagree. The above table is
60.00%
55%
50.00%
40.00% 35%
30.00%
20.00%
10.00% 6%
2% 2%
0.00%
3.11(e) Representation of the respondent’s Bank Environmental policy office
37
respondents strongly agree for Bank environmental policy, 39.23% of the respondents agree,
2.31% of the respondents are Neutral, 5.38% of the respondents Disagree and 1.54% of the
respondents strongly disagree. The above table is represented with the help of a diagram
60.00%
52%
50.00%
39%
40.00%
30.00%
20.00%
10.00% 5%
2% 2%
0.00%
3.11(f) Representation of the respondent’s Cash Deposit System
38
respondents strongly agree for cash deposit system, 47.70% of the respondents agree, 7.69%
of the respondents are Neutral, 2.30% of the respondents Disagree and there is no respondent
for strongly disagree.. The above table is represented with the help of a diagram.
50.00% 48%
45.00% 42%
40.00%
35.00%
30.00%
25.00%
20.00%
15.00%
8%
10.00%
5.00% 2%
0%
0.00%
3.11(g) Representation of the respondent's E- Investment Services
39
respondents strongly agree for e- investment service, 40.77% of the respondents agree, 5.38%
of the respondents are Neutral, 0.77% of the respondents Disagree and there is no respondent
for strongly disagree.. The above table is represented with the help of a diagram.
60.00%
53%
50.00%
41%
40.00%
30.00%
20.00%
10.00% 5%
1% 0%
0.00%
3.11(h) Representation of the respondent’s Communicate through the Press
40
respondents strongly agree for communicate through the press, 36.16% of the respondents
agree, 32.01% of the respondents are Neutral, 3.84% of the respondents Disagree and 2.32%
respondent strongly disagree.. The above table is represented with the help of a diagram.
40.00%
36%
35.00% 32%
30.00%
25%
25.00%
20.00%
15.00%
10.00%
4%
5.00% 2%
0.00%
41
CHAPTER-IV
FINDINGS AND SUGGESTION
4.1 THE MAJOR FINDING ARE AS FOLLOWS
42
1. It is observed that (43.85%) falls under the age group 18 to 24 years,( 32.31%) under the
age group of 25 to 34 years, and (16.15%) under the age group of 35 to 49 years, (7.69%)
under the age group of 50 to 74 years.
2. It can be observed that (21.54%) of the respondents income is 0-15000, (33.08%) of the
respondents income is 16000-30000, (20%) of the respondents income is 31000-45000,
(13.08%) of the respondents income is 46000-60000, (2.30%) of the respondents income is
61000-75000 and (5.38%) of the respondents income is 76000-90000 and (4.62%) of
respondents income is 91000 and above.
3. It is found that (65%) of the respondents are aware of green banking..
4. Major source of awareness (45%) of the green banking practices being followed in SBI.
5. Majority of the respondents (60%) find that SBI provides satisfactory services.
6. It is found from the table that the major source of respondents information about green
banking is from friends(53.08%), followed by internet(23.07%), banking officials (20.77%)
books and journal and other sources (0.77%) each.
7. Majority of respondents (89%) agree for usage of common transport for the officials
posted at one office.
8. It is found that (92%) of the respondents agree for use of solar powered ATMs.
9. Majority of the respondents (98%) said they support the idea for providing recyclable debit
and credit card.
10. Majority of the respondents (90%) wants conducting workshops and seminars for green
banking.
11. It is observed that (91%) of respondent feel the need for Bank Environment Policy.
12. (94%) of the respondents are in favour of e-investment service.
13. Majority of the respondents (62%) support communicate through press.
14. Majority of the respondents use mobile banking as mostly used green banking service
(41.54%) followed by internet banking (29.23%), ATMs (25.38%), green channel counter
(1.54%) and green card (2.31%).
4.2 SUGGESTION
43
Suggestions play a very crucial role it is the outcome of the study that helps to identify
the success of the research carried out.
The following are the suggestions given that would help to improve Green banking
activities in SBI.
 There is lack of awareness about Green Banking among most of the people and
hence the bank should create awareness to know the benefits of green banking and to
use internet banking and mobile banking as majority of the customers do not know
to use it.
 A separate cell must be formed to guide the customers to carry out the transactions in
an eco-friendly manner.
 Frequent meetings with customers must be planned and in order to know their
suggestions and satisfaction level.
 A practice of rewarding the customer must be initiated; this would encourage the
customer to participate in the program.
 Mass education programs on Green Banking are must be organized by the banks as
awareness cum promotional program.
 And further they added that the green banking has to be included as in the curriculum
or an activity from the school and college level studies.
44
CHAPTER-V
CONCLUSION, APPENDIXAND REFERENCES
5.1 CONCLUSION
45
Introduction of various Green Banking products alone is not sufficient in creating a better
environment. The success lies in making sure that those products are utilized in a proper way.
Green banking is the corporate social responsibility of every bank. Along with the focus on
the green banking initiatives the bank should also take care of their lending policies so that
the customers are encouraged to carry out not only their banking transactions but also their
business transactions in an environmental friendly manner. The initiatives taken by the Indian
banks are appreciable but when compared globally, they are lagging behind. In order to
improve and enhance the green banking activities the bank should acquire the support of the
Government, NGOs, business organization and the consumers. The Banks should not be
satisfied with the current green banking product they possess. They must continuously be
involved in introducing innovative product for their benefit and the society as well.
BIBLOGRAPHY
46
1. Jha, N. & Bhome, S. (2013). A study of green banking trends in India. Abhinav
International Monthly Refereed Journal of Research in Management & Technology. Vol II.
Retrieved on 21 January 2015 from:
http://www.abhinavjournal.com/images/Management & Technology/May 1 3/15.pdf
2. Nath, V., Nayak, N. & Goel, A. (2014). Green Banking Practices- AReview. International
Journal of Research in Business Management. Vol2(4), 45-62. Retrieved from SSRN on 27
January 2015 from: http://papers.ssm.com/sol3/papers.cfm?abstract_id=2425108.
3. Rajesh, & Dileep. (2014). Green banking- A study of select banks in India.International
Journal of management, 3, pp.6.
4. Komal Singhal, Krishna Singhal & Monika Arya (June 2014). "Green Banking: An
Overview", Asian Journal of Multidisciplinary Studies, 2(6), ISSN 2321-8819(online), 2348-
7186(print), pp 196-200.
5. Mrs. Pratiksha C. Khedekar (2014). "Banking with Technology-Green Banking",

Renewable Research Journal, Rex Journal, 3 (1), pp 167-170.
6. Sreesha Ch, (2014). "A Study of Green Banking Initiatives of Selected Private and Public
Sector Banks in India". International journal of Research
(IJR), 1(7), ISSN 2348-6848, pp 807-815.
7. Urvashi Sahitya &Viabhav Lalwani (2014). "Sustainability in IndianBanking Industry",

IRACST, International Journal of Commerce, Business Management (IJCBM), ISSN 2319-
2828. 3(1), pp 220-229.
8. Ragupathi. M and Sujatha. S (January 2015). "Green Banking Initiatives of Commercial

Banks in India", International research Journal of Business and Management, VIII (2) ISSN-
2322-083X, pp. 74-96
9. http://wikipedia.org/wiki/Indian Bank Association.
10.http://wikipedia.org/wiki/sustainability
11.19. http://www.investopedia.com/terms/a/atm.asp#ixzz3Zzyij 7Gp
47
Questionnaire
1. Age?
• 18-24 years old

• 25-34 years old
• 35-49 years old
• 50-74 years old
• 75 years or older
2. What is your Gender?
• Male
• Female
• Others
3. What is your annual income?
• 15000-30000
• 31000-45000
• 61000-75000
• 76000-90000
• 91000 above
4. What is your current employment status?
• Full time
• Part time
• Retired
• Prefer not to say
5. Are you married?
• Yes
• No
48
6. What is your highest level of education?
• 10th pass
• 12th pass
• Bachelor degree
• Master degree
• Other (please fill in)___________________
7. Green Banking awareness among their customers.

SL PARTICULARS Strongly Agree Neutral Disagree Strongly
NO. Agree Disagree
1. I am an
environment
conscious person.
2. I am aware of the
concept of green
product.
3. I have knowledge
about green
banking.
4. My bank provides
satisfactory services.
5. I am aware of green
banking practices
being followed in my
bank.
49
8. Mostly used green banking services please rank from (1-5) according to its use:
*Rank 1 as least used.
* Rank 5 as mostly used.
SL PARTICULARS RANK
NO.
1. ATM’s
2. Internet Banking
3. Mobile Banking
4. Green Channel Counter
5. Green Card
9.. Factors influencing the adaptation of green banking services.

SL NO. FACTORS Strongly Agree Neutral Disagree Strongly
Agree Disagree
1. Convenience
2. Ease of Use
3. Environment
concern
4. Time and cost

saving
50
10.Sources of information about green banking services.
SL NO. PARTICULARS TICK
1. Banking officials
2. Friends
3. Internet
4. Newspaper
5. Books and Journal
6. Other Sources
51
11.Initiative to be taken by the bank toward adopting green banking.
SL PARTICULARS Strongly Agree Neutral Disagree Strongly
NO. Agree Disagree
1. Use of common
transport for official
posted at one office.
2. Use of Solar
Powered ATM’s.
3. Providing
recyclable Debit
Card and Credit
Card.
4. Conducting
Workshops and
Seminars for Green
banking.
5. Bank environment
policy.
6. Cash Deposit System.
7. E-Investment Services.
8. Communicate through
the Press.
52

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“Customer’s Awareness & Perception on Green Banking

Initiatives in SBI Bank with reference to Kamrup District”

INDIAN INSTITUTE OF BANK MANAGEMENT

UNDER THE GUIDANCE OF

ORGANISATIONAL GUIDE INSTITUTIONAL GUIDE

Dr. Abhijit Sharma Mr. Basu Mandal

Assistant Professor (Dept. of

NERIM Group of Institutions

CHAPTER NO. CONTENTS PAGE NO

Chapter - II  About Subject 3-12

Chapter - III Data Analysis & 13-41

ABOUT THE INSTITUTION

INDIAN INSTITUTION OF BANK MANAGEMENT (IIBM)

Indian Institution of Bank Management (IIBM), Guwahati (erstwhile North Eastern

Indian Institute of Bank Management (IIBM), is sponsored by Reserve Bank of India,

1.1.1 CONCEPT OF GREEN BANKING

 Paying bills online.

• Opting for Mobile Banking.

1.1.2 HISTORY OF GREEN BANKING

 Bank of Baroda: They had undertaken a number of green banking efforts,

1.1.4 GREEN BANKING PRODUCTS AND SERVICES.

1.1.5 FEATURES OF GREEN BANKING

11.6 BENEFITS OF GREEN BANKING

Major benefits of green banking are listed below:-

1.2 LITERATURE REVIEW

6. Sreeshach (2014) in his paper entitled A Study of Green Banking Initiatives of

8. Ragupathi. M and Sujatha .S (2015) in their paper entitled Green Banking

1.3 OBJECTIVES OF THE STUDY

1. To study the customers awareness & perception towards Green Banking.

1.4 SCOPE OF THE STUDY

1.5 RESEARCH METHODOLOGY

1.5.2 AREA OF THE STUDY

1.5.3 SOURCES OF DATA

1.6 REFERENCE PERIOD

The study is for two months i.e. from 03/07/2023 – 01/09/2023.

1.8 LIMITATIONS OF THE STUDY

AGE (Years) NO. OF RESPONDENTS PERCENTAGE OF THE

TOTAL 130 100%

Source: Primary data collected by the researcher

AGE (Years) NO. OF RESPONDENTS

GENDER NO. OF RESPONDENT PERCENTAGE OF

TOTAL 130 100%

Source: Primary data collected by the researcher

NO. OF RESPONDENT 33.85%

Income Level(Rs) NO of respondents Percentage of Respondents(%)

91000 above 6 4.62%

TOTAL 130 100%

Source: Primary data collected by the researcher

Full Time 97 74.62%

Part Time 24 18.46%

Prefer Not To Say 0 0%

TOTAL 130 100%

Table 3.4 Representation of the respondent’s Current employee status

Source: Primary Data collected by the researcher

Particular No. of respondents Percentages of Respondents

Unmarried 103 79.23%

Prefer not to say 0 0%

Total 130 100%

Source: Primary data collected by the researcher

No. of respondents Percentages of Respondents

Table 3.6 Representation of the respondent’s highest level of education

Bachelor Degree 56 43.08%

Master Degree 39 30%