Credit analysis is the method by which one

calculates the creditworthiness of a business or

organization. In other words, It is the evaluation of
the ability of a company to honor its financial
obligations. The audited financial statements of a
large company might be analyzed when it issues
or has issued bonds. Or, a bank may analyze the
financial statements of a small business before
making or renewing a commercial loan. The term
refers to either case, whether the business is
large or small.
 The objective of credit analysis is to look
at both the borrower and the lending
facility being proposed and to assign a
risk rating. The risk rating is derived by
estimating the probability of default by the
borrower at a given confidence level over
the life of the facility, and by estimating
the amount of loss that the lender would
suffer in the event of default.
 A green bank is a public or quasi-public
financing institution that provides low-
cost, long-term financing support to clean,
low-carbon projects by leveraging public
funds through the use of various financial
mechanisms to attract private investment
so that each public dollar supports
multiple dollars of private investment.
 GREEN BANKING is like a normal
bank which considers all the social
and environmental factors; it is also
called as ethical bank. Ethical banks
have started with the aim of
protecting the environment
The Concept of Green Banking
Promoting Environment
Friendly Banking
Practices
Banking practices
Banking practices
that contribute
that bring in
towards protecting
Social Welfare the environment

Green
Banking
Features of Green Banking
Automation and online banking
Social safety and security
Consider risk factors regarding environmental
conditions while providing loans
Sustainable and green growth
Implements Environmental Due Diligence (EDD)
Reduces cost and energy
Reasons of Practicing Green Banking
Proper utilization of organizational
resources
Sustainability
Minimization of paper works
Cost and time efficiency
Benefits of Green Banking

Major benefits are

Avoids paper works AMAP
Creates a sustainable sense of banking
service
Environmental standards for lending
Less interest rate for Green Banking projects
High CAMELS Rating by BB
Conceptual framework

It is the researchers own position on the problem and gives

direction to the study.
It may be an adaptation of a model used in a previous study,
with modifications to suit the inquiry.
Aside from showing the direction of the study, through the
conceptual framework, the researcher can be able to show
the relationships of the different constructs that he wants to
investigate.
 Conceptual framework
The Conceptual Framework describes the objective of, and the
concepts for, general purpose financial reporting. It is a practical
tool that:
assists the Board to develop IFRS Standards that are based on
consistent concepts;
assists preparers to develop consistent accounting policies
when no IFRS Standard applies to a particular transaction or
event, or when a Standard allows a choice of accounting policy;
and
assists others to understand and interpret the Standards.
 The objective of the Conceptual
Framework project is to improve financial
reporting by providing a more complete,
clear and updated set of concepts. To
achieve this, the Board is building on the
existing Conceptual Frameworkupdating
it, improving it and filling in the gaps instead
of fundamentally reconsidering all aspects
of the Conceptual Framework.