Letter of Transmittal

Date: February 08, 2017

Md. Rubel Miah
Lecturer
Department of Business Administration
Noakhali Science and Technology University
Noakhali-3814, Bangladesh.
Subject: Submission of Project paper.

Dear Sir,
It is great pleasure to submit the project paper on, “Evaluation of Green Banking and Green
BankingPractices in Selected Private commercial Bank Ltd.“as a part of BBA program. My
involvement in preparing this project paper has given me the opportunity to explore one of the
latest and unexplored areas of banking concept in context of Bangladesh and expand my
knowledge thereby.

The major focus of this project is to show the present activities regarding green banking concept
and simultaneously identifying its problems and building up the prospect of it in our country.

Within the limited time, I have tried my best to complete the project paper and compile the
pertinent information as comprehensively as possible and if you need any further information, I
will glad to assist you.

Sincerely,

……………………………….
Md. Abrarul Islam
ID: ASH1210032M
Department of Business Administration
Major in Accounting & Information Systems
B.B.A Program
Noakhali Science & Technology University

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 Supervisor’s Approval

I hereby declare that the concerned report titled “Evaluation of Green Banking and Green
BankingPractices in Selected Private commercial Bank Ltd”- is originated by Md. Abrarul Islam,
ID ASH1210032M, and Session: 2011-2012, student of BBA program, Noakhali Science &
Technology University, completed his project under my supervision and submitted for the degree
of Bachelor of Business Administration (BBA).

………………………

Md. Rubel Miah

Lecturer
Department of Business Administration
Noakhali Science & Technology University

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 Acknowledgement

First of all, I would like to thank the Almighty Allah for giving me the knowledge and health
which are incomparable to anything. After that, I would like to thank my honorable supervisor
Md. Rubel Miah for providing me with the opportunity to observe and analyze such an
interesting topic and, moreover for his invaluable guidance, suggestions and advice.

I would like to express my gratitude also to my elder brother who helped me by providing very
valuable information regarding the topic. Basically the all type of assistances made my project
paper complete.

……………………………….
Md. Abrarul Islam
ID: ASH1210032M
Department of Business Administration
Major in Accounting & Information Systems
B.B.A Program
Noakhali Science & Technology University

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 Abstract

While the traditional banking mostly focused only on the economic motive, the Green Banking
(GB) highlighted on economic, social and environmental motives simultaneously. This study
consists of the key concept of Green Banking activities.Green banking means promoting
environmental-friendly practices and reducing carbon footprint from the banking activities..
Continuing along, the report covers mainly secondary data of 4 selected Private commercial bank
almost all the important information regarding the annual report(2012-2016),Bangladesh Bank’s
initiatives, banks’ policy formulation and governance, bank’s annual budget allocation and
utilization for their green finance, climate risk fund, Composition of the Green Banking Unit
(GBU), Pin Points of Green Office Guide, Data on Environmental Risk Rating (EnvRR), and
Data on Green Finance (amount disbursed for ETP, amount disbursed for the projects having
ETP, bio-gas plant, solar/renewable energy plant, Hybrid Hoffman Kiln, and others.).According
to this study DBBL, TBL, EBL and SIBL banking industry in Bangladesh are in the satisfactory
position passing throughthefoundation phase within the time frame.The four Private commercial
banks are fall in Phase (2). I think, if they invest both in direct and indirect project, the overall
Green banking system can be changed the massive environment condition that we expect.
Keywords: Green Banking, Environmental Risk Rating, Green Finance. Online Banking,
Internet Banking, SMS Banking, Mobile Banking, ATM Facility, Direct and Indirect Financing.

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 Table of content
Topics Pages
1.Chapter- One
1.1 Introduction 1
1.2 Origin of the Study 1
1.3 Objective of the Study 2
1.4 Scope 2
1.5 Methodology of the Study 2
1.6 Limitations of the Study 3
2. Chapter-Two
2.1 Literature Review
4
3. Chapter-Three
3.1 Evolution of Green Banking 6
3.2 Origin and History: 7
3.3 What Green Banking means: 7
3.4 The definitions derived from specialists: 8
4. Chapter-Four
4.1 Global perspectives on Green Banking 9
4.2 Global initiatives: Durban Climate Conference 2011 10
4.3 Green Banking strategies and financial products and services: 11-12
5.Chapter-Five
5.1 Green Banking Perspective in Bangladesh 13
5.2 Why Green Banking in Bangladesh: 13
5.3 How Banks can work for Green Banking: 14
5.4 BB’s Green Banking initiatives: 14
5.5 Adopting Green Banking Policy: 15-21
5.6 How banks will benefit From Green Banking 21
5.7 BB’s in-house initiatives: 22
5.8 BB’s refinance line for Renewable Energy: 22
6. Chapter-Six
6.1 Potential Green banking products and services:
23-27
6.2 Probable Key Opportunities of Green Banking Products:
28-29
7. Chapter-Seven
7.1 About selecting Private commercial Bank ltd 30
7.2 Top four banks in Green Banking initiatives 31-36
7.3 Green Financing 37
7.4 Direct and Indirect Green Financing: 38
7.5 Branches/SME/ATM unit powered by solar energy 39
8. Chapter-Eight
8.1 Findings: 40
8.2 Recommendation: 41
8.3 Conclusion: 42
References: 43

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 Abbreviation:

BB = Bangladesh Bank
GB = Green Banking
PCBs = Private Commercial Banks
FCBs = Foreign Commercial Banks
SPBs = State-owned Private Banks
SDBs = State-owned development Banks
BIBM = Bangladesh Institute of Bank Management.
ETP = Effluent Treatment Plant
DBBL = Dutch-Bangla Bank Limited
TBL = Trust Bank Limited
EBL = Eastern Bank Limited
SIBL = Social Islami Bank Limited

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 A Report on
Evolution of Green Banking & Green Banking practices
in Selected Private Commercial Bank Ltd.

Submitted To
Md. Rubel Miah
Lecturer
Department of Business Administration
Noakhali Science & Technology University

Submitted By
Md. Abrarul Islam
ID: ASH1210032M
Session: 2011-2012
Department of Business Administration
Major: Accounting & Information Systems
B.B.A Program

NOAKHALI SCIENCE & TECHNOLOGY UNIVERSITY

Date of Submission: 08 February, 2017

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