It is my pleasure to show glad to Honorable teachers of International Business Dept. This
requires to mention the prudent teachers like Abu Hena Rea Hasan! "hairman! IB Dept! Dr. #ahfuur Rahman! $rofessor! %uborno Borua!&ecturer! %hamsun Afrin! &ecturer and so on of International Business Dept. I am also glad to Dr. Atiur Rahman! 'o(ernor of BB! #orshed #illat! D'#! 'reen Banking and "%R Dept. of BB who ha(e arranged such a beneficial program for us. I think about #utual Trust Bank &td. )hich ga(e me the chance to do my intern program at at 'reen Banking "ell. The cordial help of Iqbal #ahmud! Head of R#* Dept and +aeem ,ai! Reporting -fficer of this cell are also mentionable. #oreo(er! Ridwanul Islam! Touhidul Islam! and #amun (ai who are Assistant -fficers of 'reen Banking *nit! .ahangir Alam! -fficer of %#/ Di(ision who also look after the green financing! ha(e also made me glad to them. This is beyond mentioned that they are (ery much helpful and cordial to me and also to their duties. They ha(e helped me to know about the Executive Summary: Literature Review: Mutual Trust Bank Ltd. and Green Banking The "ompany was incorporated on %eptember 01! 2111 under the "ompanies Act 2113 as a public company limited by shares for carrying out all kinds of banking acti(ities. It was also issued "ertificate for "ommencement of Business on the same day and was granted license on -ctober 45! 2111 by Bangladesh Bank under the Banking "ompanies Act 2112 and started its banking operation on -ctober 03! 2111. As en(isaged in the #emorandum of Association and as licensed by Bangladesh Bank under the pro(isions of the Banking "ompanies Act 2112! the "ompany started its banking operation and entitled to carry out the following types of banking business6 7i8 All types of commercial banking acti(ities including #oney #arket operations. 7ii8 In(estment in #erchant Banking acti(ities. 7iii8 In(estment in "ompany acti(ities. 7i(8 9inanciers! $romoters! "apitalists etc. 7(8 9inancial Intermediary %er(ices. 7(ii8 Any related 9inancial %er(ices. Green bank concept is an ethical, socially responsible and sustainable bank. It is providin innovative reen products and support activities that are not ha!ardous to the environment. "orty out o# $% banks have #ormed a Green &ankin 'nit and Green &ankin (olicy, $) banks have introduced a Green *+ce Guide, EnvRR has been done #or %),- pro.ects out o# which ,/0, rated pro.ects have been 1nanced, 2k -3$--%.,) million has been disbursed #or the rated pro.ects, )/- branches4S5E unit o+ces have been powered by solar enery, 6% banks are #ully automated and 63$7 branches have been #acilitated with online coverae. "rom the beinnin it has tended to do some environment #riendly task. 8s a result, it has been established its 9orporate :ead *+ce with solar enery and keep the buildin surrounded with crystal lasses as the o+cials can use the liht o# solar when workin. 5oreover, they named their ;oors with 8ir, <ind, <ater, Sun etc to encourae the employees think reen. It has done some sini1cant .ob such as reen 1nancin, in house manaement, climate risk #und and reen marketin. 8s a result it has been selected as one o# the top )3 reen banks=(9&s> circulated by &anladesh &ank in its 73))?)7 annual report. 5uch more emphasis has been iven on the bank@s operational policy as re;ected in the allocation o# its budet #or promotin Green 1nance, environmental risk ratin, and expansion in prorams to #oster reater access to online bankin, 825, Internet and 5obile4S5S bankin. In?house activities coverin buildin an inventory o# savins on utilities and enery, encourain Green marketin, enhancin capacity buildin and disclosure o# the bankAs practices are considered part o# Green activities. In?house activities coverin inventory on utilities and enery, Green up to 5arch 73)7, capacity buildin and disclosure by banks has also been considered #or nomination. Components Of Green Banking Green financing: (ro.ect 8rea Bisbursem ent Bate Sanctional 8mount Cumber o# (ump 2otal "armers Land &iha (ro.ect ) &aruna 63 th
5ay,)) 6,$33,33 3.33 7 66 )-7.33 (ro.ect - (atuakhal i )0 th .ul, )) 6,$73,33 3.33 7 6- )/3.33 (ro.ect , (anchao r )$ th Dun, )7 -33,33 3.33 ) 0- $7%.%/ (ro.ect % (anchao r )3 th Dan,)6 ),/33,33 3.33 7 73 /3.33 (ro.ect / (anchao r 7/ th Dan, )6 %,333,33 3.33 7 $6 )0-.0$ (ro.ect 0 (anchao r 6rd "eb, )6 %,333,33 3.33 7 %0 )0$.)3 a. Solar Irrigation: 2he areas o# investment are shown below raph, Area Amount &aruna 0,-03,333 (atuakhali 0,7)3,333 (anchaor )0,%33,33 3 Year Wise Green Financing: ear Amount 7330 6,/33,333.33 73)) )/,$33,333.33 73)7 -33,333.33 73)6 )-,/33,333.33 !. Bio"Gas #lant: Co o# &io?as (lant 8mount Bate o# Bisbursement 8rea -/ ,),33,333 - th 8u,73)3 (abna, Ranpur, 2hakuraon, Ra.bari. Co o# Solar :ome System 8mount Co o# CG* Startin Bate 0,3$ 63%-.33 %.33 Cov,73)3. c. Solar $ome S%stem: #ercentage in Total Green &inancing: In 'ouse management: Banks do not operate factories or power plants which release pollutants into the air, nor do their supply chains require huge amounts of raw materials with large environmental footprints. In fact, the perceived sum of a banks impacts might be simply the resources used in their administrative offices, retail branch locations, and IT facilities. Again, banks provide capital to nearly all sectors of the economy which might have large footprints in the environment. TBs !reen "ffice guide, as a short guide, aims to solve this problem by giving clear, concise information about environmental issues and listing the practical steps needed to create a greener office environment and cut costs at the same time. Paper Some Info About Paper: If we can save one ton of paper, we can save equivalent #,$%% &wh of energy, '%%% gallons of water, (% lb of carbon emission and ) cubic yards of landfill space. The pulp and paper industry is the single largest consumer of water used in industrial activities in developed countries and the third largest industrial greenhouse gas emitter, after the chemical and steel industries. It takes $% times more energy to manufacture a piece of paper than to create a print or copy An estimated *% percent of the worlds global paper use is made using virgin fiber. Initiatives to +educe ,aper -se. /or efficient paper use, follow the ) +s environmental standard. reduce reuse and recycle Improving in each of these areas will bring paper cost savings and cut the need for storage space. To do so, 0reate hard copies only when absolutely necessary +eview and edit draft documents on screen rather than on paper. If you need to print large reports, consider ad1usting margins, line spacing, and page settings that allow more information to fit on each page. -se print preview to check the document on the screen before printing. -se e2mail to share documents and ideas. If possible, bookmark web pages rather than printing them out, and print e2mails and internet documents only when necessary. "nly make the photo copies you need 3 try to avoid making spares 41ust in case.5 &eep one tray of paper in the printer stocked with single2sided waste paper where ever possible. &eep trashy paper in the trash bin. 0ommunicate with those vendors who take these trash paper and give new paper or paper materials. Energy Some Info About Energy: Burning a gallon of gasoline produces 6.6 kg 7$*.#lb8 of 0"9. !lobal warming caused by !:! emissions is contributing to the accelerated melting of Arctic sea ice. According to I,00 worldwide surface temperature will increase by ;.6 % 0 by 9$%%. Initiatives to +educe <nergy -se. <nergy is used to light, heat and air condition a typical workplace and for running electrical equipment like ,0s, photocopiers and printers. :ere are some easy ways to save energy, making your choice more environmentally friendly= and more cost2friendly, too. Lig'ting Turn off the lights every time you leave a room. ake sure everyone knows 4the last one out will turn off the lights5. /orgetting turning off the lights sometimes is chronic. >o, install occupancy sensor where applicable. ?et the sun shine in and light up your office by ad1usting vertical blinds at northern @ >outhern side of your office. ,aint walls in light colors to enhance the effect of natural light. ,urchase compact fluorescent lamps 70/?s8 for the office. 0/?s typically save #%A energy costs associated with incandescent bulbs and lasts $% times longer. <ncourage your colleagues to switch off lights in common areas such as meeting rooms, toilets and common room when these are not in use. Heating & Cooling: Ad1ust your thermostats properly. >et thermostats at 9(% 0 in summer and 96% 0 in winter. >hut off air2conditioners on cold days. Avoid package 7>plitB+oom8 air conditioning systems as they are energy wasters. Personal computers: >witch off your ,0 system over lunch and whenever you plan to be away from your desk for an eCtended period of time. Turn off your screen when youre not using it. >creens are the biggest consumers of energy. -se a single power strip for plugging multiple computer devices, and shut off the strip at the end of the day. Potocopiers: >witch copiers off overnight. ake sure the standby is set properly. !ffice E"uipment Some Info About !ffice E"uipment: >olid ink produces *%A less supply waste than laser printing ?evels of potentially harmful airborne particulates are five times higher in an office during working hours due to laser printer emission. Initiatives to +educe <nergy -se. There are energy2efficient and eco friendly options for virtually all office equipments2 Electronics -se ?<DB?0D monitors 7$'58 instead of 0+T. -se dupleC printing 7both2side printing8 printer. ,rint in grey scale 7normal quality8. Tackle your coworkers print habit by adding a green e2mail signature. As Ink 1et 7or bubble 1et8 printers are cost saving and use less energy, use ink 1et printers where applicable. >witch to power energy2savings settings. +ecommended power management settings. onitorBdisplay sleep. Turn off after $; minutes or lessE Turn off hard drivesBhard disk sleep. $; minutes or lessE and >ystem standbyBsleep. After )% minutes or less Furniture 0hoose furniture of which most of the materials are environment friendly. #euse of electronics Try to upgrade and improve 7instead of replacement8 wherever possible. Periperal use ,eripherals such as printers, speakers, and scanners continue to consume power even when not in use. -nplug them and save energy. ,lug them only when necessary. Initiatives to 0onduct eeting @ 0onference. +educe overall office paper use. -se double2sided handouts @ electronic only versions as much as possible. :ave water in ceramic glass rather than disposable bottles @ get reusable plates instead of paper plates @ cups. If youre attending a meeting or conference near your office, walk if it is close. -se public transport andBor car2pool for longer trips. Water: Some Info About Water: It takes about one quarter of a bottles capacity worth of oil and five liters of water to make one water bottle that siFe. ?eaking faucets waste large quantities of water. Gearly *% percent of water bottles are not recycled and wind up in landfills where it takes thousands of years for the plastic to decompose. Initiatives to >ave Hater. -se ceramic or aluminum bottles rather than plastic water bottles. 0heck taps are turned off. It would result in significant financial savings. Be concerned of sprinkling of water in office premise. "ffice premise must always be neat @ clean. Install occupancy sensor for washing hand. +eport leaking faucets to the concerned. Its estimated that fiCing leaks can save (%% gallons a month Car Pooling Some Information: There are high concentrations of lead 7,b8, G"C, G"9, :idro 0arbon @ >"9 in the air of urban centers in Bangladesh. The -.>. primary standard for 9#2hour mean for ,2$% is $;% micro2gramBm), where a )2hour mean for ,2$% found in /armgate area is ;%% micro2gramBm). Initiatives to 0ar ,ooling. Accommodate more people in a single vehicle, rather than using multiple ones proceeding towards a certain direction. 0heck your cars tyre pressure, tune your car frequently, drive slowly and smoothly and use #esponsible purcasing Through green purchasing, one can support sustainable businesses2rather than those with harmful environmental practices. Initiatives to 0ar ,ooling. ,urchasing decisions are made by many individuals, all of whom must take into account the impact on the environment as well as the economic impact when making buying choices. Before putting in a purchase order request, take a close look at eCactly what programs and operating capacities we are in need, and then put in a purchase order. ,urchase recycled or remanufactured materials that have lower impact on the environment in their production, packaging, use, and, ultimately, their disposal than new materials. ake sure paper has a high level of recycled content. If a supplier doesnt fit your sustainability goals, consider switching to a new supplier. ,urchase long lived products made from renewable resources. !nline communication: 0onsider e2mail as an authenticated document and avoid making hard copies of instructions, notes and other official documents. Take the advantages of electronic copies as they are paper, postage, and storage space saving. <lectronic filing and retrieval can save time also when you need the document Again. Waste & #ecycling: The creation of waste is energy, water and landfill2space intensive. The less we create is bestE the more we reuse and recycle all the better. The policy to recycle the wastes is developed accordingly. Initiati$es: &eep separate bins for trashy official papers as well as aluminum foils and cans. %eautification: -se non2artificial decorative plant to bring beauty @ elegance to your working place and take regular care of it. Be sure that your working space is neat @ clean. Healty air Flo&: ItIs likely that youIre spending most of your time in office2 6 hours in a dayJ -se non2toCic cleaning products. Gever bring any type of aerosol can to work. -se an air purifier to get rid of contaminants. Dont smoke in or near the office Green marketing: 52& has started takin initiatives to o reen marketin. 2he initiatives reardin this issue are? 'sin pro.ectors and diital banners as it avoids the printin banners that emits carbon huely. Introducin the products to the customers by online advertisement and 825 display. Climate risk fund: 52& has created a climate risk #und. In 73)7, there was 2E -3lac in this #und which remained unused in that year. "und is oin to be allocated in 73)6. Online Banking: *se of -utlook for internal messaging *se of Intranet Internet! #obile: phone banking Database required for number of branches with online co(erage. Green Banking Cell Green Banking Cell: The management of #TB form a separate 'reen Banking "ell ha(ing the responsibility of designing! e(aluating and administering related 'reen Banking issues of the bank. The cell is conducting its acti(ities under the super(ision of Risk #anagement *nit. The Head of Risk #anagement *nit is the Head of 'reen Banking "ell. This committee reports to high powered committee. Activities of Green Banking Cell: To implement In6house /n(ironmental risk management. To conduct a preliminary en(ironmental risk re(iew using /n(ironmental Due Diligence checklists 7/DD8. To ensure /n(ironmental Risk Rating 7/RR8. To take initiati(es to create "limate Risk fund. To take initiati(es to introduce 'reen 9inance. To introduce 'reen #arketing. To formulate and update policy and go(ernance. Issue awareness circular to Head -ffice Di(ision:Departments:Branches:%#/ centers. Issue Instruction circular to Head -ffice Di(isions:Departments:Branches: %#/ centers. To support /mployee Training! "onsumer Awareness and 'reen /(ent. To disclose 'reen Banking Acti(ities in annual report. Report to "ommittee for 'reen Banking. To plan! organie and e(aluate staff acti(ities. Report to the Department of off6site %uper(ision of Bangladesh Bank on quarterly basis (is6;6(is initiati(es:acti(ities under the said program. Work process flow of Green Banking Cell: In order to boost up 'reen Banking performance! #TB<s #anagement "ommittee would form a strong "ommittee to be entitled ='reen Banking "oordination "ommittee< 7'B""8 comprising of the following members> 2. Head of 'reen Banking "ell 0. Head of "R# ?. Head of HRD 3. Head of "orporate 5. Head of "AD @. Head of Retail A B. Head of %#/
The main obCecti(e to form this "ommittee is to formulate policies! designing! e(aluating! and administering related 'reen Banking issues .Acti(ities of green banking may be carried out in three maCor areas> 2. 'reen 9inance . 0. 'reen Awareness $rogram . ?. /n(ironmental Risk #anagement. All the maCor areas would be headed by the high officials. The reporting process flow of 'reen banking acti(ities will be as follows> Green Finance Green Awareness Program Environmental Risk Management Hea of Green Banking Cell Hea of CRM Hea of CA! Hea of Corporate Hea of Retail Hea of "ME DHead of 'reen Banking "ell DHead of HRD DHead of Training Institute DHead of 'reen Banking "ell DHead of "R# The reporting process flow of 'reen banking acti(ities will be as follows> The reporting flow goes left to right. 9irstly! the officers of green banking cell reports the issues such as noncompliance of BB 'reen Banking 'uideline! any feasible proCect plan etc to the Head of 'reen Banking "ell. Then the Head of 'reen Banking "ell discuss this issue with the Head of #anagement "ommittee. Green #anking Pro$cts % "ervices: Electronic #anking6 It is the platform of gi(ing the customers the con(enience of banking anytime anywhere through internet banking! mobile banking! phone banking. This will reduce the pollution contribution by the customers as they do not ha(e to resort to physical statements or tra(el to the branches. Privilege financing for Green ve&icle6 As an initiati(e towards more en(ironment friendly way of life! in our car:other (ehicle loan facility we may offer full or partial wai(er on processing fee:interest rate on (ehicle types which uses green technology or uses alternate mode of energy. Home Finance6 In our eEisting Home &oan facility! we may offer reduced processing fees or pri(ileged interest rate to customers who construct or purchase homes with renewable energy. Green Banking Initiati(es 'nitiatives of Green Banking: 'ntro$cing E()otice Boar: /6+otice board is a web based form of notice board in where internal circulars and news are published. It reduces the consumption of paperr and easy to access. #TB& officials use this board to post6 "ircular. -ffice order. e6greetings. *raining Programs: Information regar'ing Green %an(ing acti$ities )As of *+,+-,.+/.0 Sl 1 Particulars 2uarter . Cost in 3a(a $ Go of Training programsB>eminarsBHorkshopsB Awareness ,rograms 0onducted 9 9;%,%%% 9 Go. of ,articipants covered () "olar A*Ms: AT# Date Aman Baar 02 st .une!0422. %yedpur 0? rd +o(ember!0422. Fapasia708G H th .une! 0420. Famrangir "har 2B th December! 0420. Roypur ?2 st #arch! 042?. "olar Branc&es: 2. "orporate Head -ffice. 0. Ishwardi ?. Belkuci 3. Hasnabad 5. %yedpur @. %arulia B. "oE<s Baar 'nternet #anking: Internet banking has been launched on 2 st Cune!0420. 9irst! only fund transfer can be made by internet bnanking. +ow! it facilitates the customes to6 a. Access account information. b. %ummary of account. c. Account statement. d. -rder for cheque book. e. "redit card details. f. Bill payment for credit card. g. Bill payment. Dhaka )A%A Bill. #obile Recharge. I*B// Bill. "all "enter> +owadays! call center is a popular form of maintaining customer relationship and ser(e them better. #oreo(er! it is a easy and con(enient way of pro(iding customer satisfaction. #TB& has launched a call center to ser(e the customer o(er phone on 0B th December!0422. EBB and ERR Green Banking Cell #is( 4anagement 5nit %ranc: Client: General En$ironmental 6ue76iligence Cec(list Particulars Yes,8o,8A Possible sources of en$ironmental ris( $. <nvironmental clearances. K In the proposal for financing, have all the applicable compliances to environmental laws, i.e. site clearance certificate and environmental clearance certificate, been obtained from the Department of Environment (DOE)? K :ave these clearances been obtained after submitting the appropriate documents for the different pollution category of industries 7!reen, "range2 A, "range2B and +ed8L 9. ?and location B site. Is the land location / site free from vulnerabilit from an environmental perspective? !ulnerabilit can arise due to the issues such as the location being on the river ban" (floods) and on national par"s /forests (non#compliance)? ). 0limate change$ Is the proposal for financing protected against climate change related impacts such as cclones, storm surges, floods and droughts if relevant? %orro&er9s En$ironmental 4anagement Systems #. 0ommitment. Is the potential borrowers top management committed to environmental managementL ;. anpower. :as the potential borrower planned for manpower resources to address environmental issuesL (. >kills. If so, is the manpower skilled to address environmental issuesL '. ?abor B social issues. Does the management adopt good practices vis2M2 vis occupational health @ safety and associated issues such as child labor, forced labor, wage compensation, discrimination and working hoursL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Cement Category: +ed Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Air emissions: %re air emission prevention and control measures sstems installed in all point sources of emissions in operational processes and also in the handling and storage of intermediate & final goods? Waste&ater , E3P: K Is there an <ffluent Treatment ,lant 7<T,8 to treat the wastewater dischargesL K Does the <T, design ensure that there is no bypass arrangementL Soli' &aste: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K :ave proper provisions been made for the management of solid waste 2 including clinker production waste and kiln dustL 8oise: :ave noise control measures been put in place in grinding, handling and transportationL 4onitoring: Does environmental monitoring for continuous monitoring e'uipment on all dust emission lines? 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Cemicals )fertili;ers< pestici'es an' parmaceuticals0 Category: +ed 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Ha;ar'ous cemicals: Does the design provide for handling, storage and transportation of haFardous chemicals in the manufacture of fertiliFersL .: Waste&ater , E3P: K Is there an Effluent (reatment )lant (E()) to treat the wastewater discharges in their design? K Does the <T, design ensure that there is no bypass arrangementL *: Soli' &aste: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K Does the business activity include an approach towards handling and disposal of spent catalyst B toCic metals, if anyL :ave provisions been made for the management of these haFardous wastesL ?: Air emissions: %re air emission prevention and control measures in place for ammonia, nitric o*ides and nitrous o*ides in nitrogenous fertili+er manufacturing, and in utilities such as boilers? @: 8oise: Are noise control measures in place for the large2siFed rotating machinesL -: 4onitoring: Does environmental monitoring include continuous monitoring sstems of storm water for p,, fluoride & ammonia? 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: 6airy Category: "range A or "range B Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A $. Waste&ater , E3P: K Is there an Effluent (reatment )lant (E()) to treat the -aste water discharges in the design? K Does the <T, design ensure that there is no bypass arrangementL 9. Solid waste: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K :ave proper provisions been made for the management of organic solid waste in dairy processing facilitiesL ). Air emissions: Are air emission prevention and control measures systems installed from the combustion of fuel in turbines, boilers, compressors and other engines for power and heat generationL #. Monitoring: :as environmental monitoring, particularly protection from disease causing pathogens, been plannedL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Engineering & %asic 4etal Category: "range2 B or +ed 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Air emissions: ,ave appropriate air pollution control e'uipment at the emissions points and also e*haust provisions in the various metal manufacturing processes? .: Waste&ater , E3P: :as an <T, for the cleaning and rinsing streams included in the DesignL Does the <T, design ensure that there is no bypass arrangementL *: Soli' &astes: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K Is proper management of the different types of solid wastes been undertakenL ?: 8oise: Are measures to control noise from the mechanical equipment and physical activitiesL @: Fire , eAplosions: :ave proper design provisions been made to prevent fire and eCplosion haFards that may arise from operationsL -: 4onitoring: Is environmental monitoring, particularly of the air emissions 7stack and fugitive8, proposed on a periodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Housing Category: -nclassified 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Se&age: . ,as a sewage treatment plant (/()) of a si+e appropriate to the re'uirements been included in the design? Is there a 0ustification for the chosen si+e? K Does the >T, design ensure that there is no bypass arrangementL .: 6ust: Does the proposed business activity have appropriate measures to control the dust pollution during constructionL *: 8oise: Are measures to control noise from the large construction activitiesL ?: 6ebris: Are there measures to manage the construction debrisL @: 4onitoring: Is environmental monitoring, particularly of the air emissions and effluent discharges, proposed on a periodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Pestici'es Category: +ed 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Gui'elines: Is the pesticide manufacturing been carried out in line with the -,O 1uidelines, /toc"holm 2onvention and 3otterdam 2onvention? 9. Ha;ar'ous cemicals: Does the design provide for handling, storage and transportation of haFardous chemicals in the manufacture of pesticidesL ). Waste&ater , E3P: K Is there an Effluent (reatment )lant (E()) to treat the -aste water discharges in the design? K Does the <T, design ensure that there is no bypass arrangementL #. Soli' &aste: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K :as provision been made for the proper management of solid waste 7e.g. chemical residues and filtrates8 and liquid waste 7e.g. spent solvents8L ;. Air emissions: Are proper air pollution control devices included to tackle emissions during pesticide manufacturing, formulating and packagingL (. Fire , eAplosions: ,ave proper design provisions been made to prevent fire and e*plosion ha+ards that ma arise from solvent use, handling and storage? '. 4onitoring: Is environmental monitoring, particularly the effluent characteristics, proposed on a periodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Parmaceutical Category: "range2 B 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Ha;ar'ous cemicals: ,ave methods been included for the safe storage and use of ha+ardous chemicals? .: Waste&ater , E3P: . Is there an Effluent (reatment )lant (E()) to treat the wastewater discharges in the design? Does the <T, design ensure that there is no bypass arrangementL *:Soli' &aste: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K Are there responsible methods to dispose off2specification drugs B damaged medicinesL ?: Air emissions: ,ave methods to manage the ha+ardous air pollutants (e.g. ben+ene and carbon tetrachloride and (oluene) and odorous compounds (e.g. mercaptans)? @: Genetic resources: :ave proper procedures been followed if there is the use of particular genetic resources that have threats to biodiversityL -: %ioetics: Are good bioethics management approaches been adopted if genetically modified foods or related new areas of work are involvedL >: 4onitoring: Is environmental monitoring, particularly of the air emissions 7stack and fugitive8, proposed on a ,eriodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Poultry Category: "range A or "range B Sector specific En$ironmental 6ue76iligence Cec(list ,articulars Nes B Go BGA 1. Avian influenza: Does the business activit ta"e ade'uate management measures to protect from animal diseases / pathogens such as avian influen+a (strain ,456)? 2. Solid waste: K Is there provision for appropriate management of solid waste including waste feed, animal waste, carcasses, >ediments and sludge from wastewater treatment facilitiesL K Are there responsible methods to dispose the solid waste B >ludge from the <T, been included in the designL 3. Wastewater / E!: K Is there an <ffluent Treatment ,lant 7<T,8 or appropriate wastewater management processes to treat the wastewater DischargesL K Does the design ensure that there is no bypass arrangement for the <T, or wastewater management processesL #. "azardous #aterials: Are there adequate systems for the handling, storage and transport of haFardous materialsL And, is there adequate check to ensure only permissible haFardous materials are in useL ;. Monitoring: ,as environmental monitoring, particularl protection from disease causing pathogens, been planned? 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Pulp & Paper Category: +ed 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Waste&ater , E3P: K ,as an E() of a si+e appropriate to the re'uirements been included in the design? Is there a 0ustification for the chosen si+e? K Does the <T, design ensure that there is no bypass arrangementL .: Air emissions: Does the proposed business activity have appropriate air pollution control equipment at the emissions points, particularly the pulp processing and utilitiesL *: Soli' &aste: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K Are there measures to manage the large quantities of solid waste 7though non2haFardous8L ?: !'our: %re measures for preventing and controlling odour been planned? @: 8oise: Are measures to control noise from the large mechanical equipment and physical activitiesL -: 4onitoring: Is environmental monitoring, particularly of the effluents characteristics, proposed on a periodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: Sugar & 6istilleries Category: +ed 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Waste&ater , E3P: K ,as an E() of a si+e appropriate to the re'uirements been included in the design? Is there a 0ustification for the chosen si+e of the E()? K Does the <T, design ensure that there is no bypass arrangementL .: Soli' &astes: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K :ave methods to store and dispose solid wastes 7generated from the treatment of raw material8 been planned in the designL *: Water: %re water consumption reduction approaches been adopted to reduce the overall water inta"e? ?: Air emissions: Does the proposed business activity have appropriate air pollution control equipment at the emissions points, particularly the steam boilersL @: !'our: Are measures for preventing and controlling odour been plannedL -: 4onitoring: Is environmental monitoring, particularly of the effluents characteristics, proposed on a periodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Green Banking Cell #is( 4anagement 5nit %ranc: Client: Sector: 3annery Category: +ed 7As per EC#9=>8 Sector specific En$ironmental 6ue76iligence Cec(list Particulars Yes , 8o , 8A /: Ha;ar'ous cemicals: Does the business activit include appropriate ha+ardous chemicals management methods in pretreatment, deing and other processes? .: Waste&ater , E3P: K Does the proposed business activity have its own <T,L K Does the <T, design ensure that there is no bypass arrangementL K If it is to a 0ommon <T,, is this in working orderL K Does the proposed business activity include a chrome recovery unit in its designL K Is the post2<T, treated wastewater discharged into a water body from where water is drawn for other applicationsL *: Soli' Wastes: K Are there responsible methods to dispose the solid waste B sludge from the <T, been included in the designL K Is the management of solid wastes properly planned and methods of disposal identifiedL ?: !'our: Are there methods to control the odour from leather tanning as these constitute a nuisance to the surrounding communityL @: 4onitoring: Is environmental monitoring, particularly 0hromium OI, proposed on a periodic B regular basisL 6etermining o$erall En$## 7,lease highlight the categories of En$## based on measurement criteria8 4easurement Criteria En$## If answers to any one of the italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 but ;%A or more of the non italiciFed questions is 4Go5 :igh If answers to all italiciFed questions is 4yes5 and if answers to more than 9;A and less than ;%A of the remaining questions is 4Go5 oderate If answers to all italiciFed questions is 4yes5 and if answers to less ?ow Anne)ure