The Earth is embracing huge environmental effects due to the activities of concern. industries and fiscal houses. Furthermore. the effects of clime alteration besides create specific environmental issues for the endeavors and living existences at big. On the other manus. in-house ingestion and usage of paper. electricity. H2O. fuel. letter papers. equipments. engineerings. etc. of the concern and fiscal establishments pollutes the environment in different ways and capacities. As such. the society demands that the Banks and fiscal establishments should take duty for maintaining the environment green and safeguarding the planet. Bangladesh is tremendously affected from the events of environmental and climate alteration in recent old ages. Recognizing the fact. the Board of Directors in its 325th meeting held on 28. 12. 2011 has approved a Green Banking Policy for the Bank.

The Audit commission of the Board of Directors will move as the high-octane commission. which will oversee the overall activities of the Green Banking Unit/Cell and reexamine the policies. schemes and plans of the Bank. A separate Green Banking Unit/Cell has besides been established consisting members from General Banking and Development Division. Corporate Affairs Division. Corporate Banking Division. Credit Risk Management Division. General Services Division. Human Resources and Management Division and Information and Technology Division and headed by a Deputy Managing Director. The Unit/Cell will hold the duty of planing. measuring and administrating related green banking issues of the bank. The Unit/Cell will describe to the high-octane commission of the Board every bit good as to Bangladesh Bank quarterly. As the phase-based activities of Green Banking screen broad scope of country. duties of different Divisions are specified in the Policy. The intents of Green Banking Policy of the Bank are to guarantee necessary steps to protect environmental pollution while supplying service or funding clients every bit good as to better in-house environment direction through efficient usage of assorted resources ( i. e. cut down use of paper. H2O. utilize energy efficient visible radiations and equipments. etc. ) at Head Office. Branches and other nexus offices.

Reduce possible wellness jeopardies by put ining eco-friendly equipments Save important part of Forestry by cut downing paper use Lessen emanation of Green House Gases ( GHGs ) through doing less corporate traveling through teleconference every bit good as set uping conveyance pool for the employees

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Help develop customer’s consciousness on environment by set uping awareness development plan
Reduce the extent of Non-Performing Loans ( NPLs ) if investing goes to less hazardous undertakings

The Green Banking Policy. which comprises of five chapters. is to be implemented in 3 ( three ) phases within December 31. 2013 as per the way of Bangladesh Bank from clip to clip and will go on further. Apart from an debut and an stoping chapter. activities under different stages are elaborated in three chapters.

The Green Banking Policy besides encompasses the Environmental Risk Management Policy and covers the overall environmental concerns – originating out of both external or internal beginnings and the several steps to pull off it.

All concerned Divisions are. hence. advised to exert all out attempts for effectual

execution of Green Banking Policy to better in-house environmental direction through efficient usage of assorted resources ( i. e. cut down use of paper. H2O. utilize energy efficient visible radiations and equipments. engineerings. etc. ) every bit good as to protect environmental pollution while funding.

The Green Banking Policy is annexed herewith for your ready mention. Please acknowledge reception of the handbill and guarantee punctilious conformity of the Policy.

( Md. Tariqul Azam )
Senior Executive Vice President

( Mamun-Ur-Rashid )
Deputy Managing Director

Distribution to:
1. All Divisional Heads. UCBL. Corporate Head Office. Gulshan. Dhaka. 2. The Senior Vice President. Board Audit Cell. UCBL. Corporate Head Office. Gulshan. Dhaka. 3. The First Vice President. MD’s Secretariat. UCBL. Corporate Head Office. Gulshan. Dhaka. 4. The Principal. UCBL. Training Institute. 74. Motijheel C/A. Dhaka. 5. P. A. to Additional Managing Directors. UCBL. Corporate Head Office. Gulshan. Dhaka. 6. P. A. to Deputy Managing Directors. UCBL. Corporate Head Office. Gulshan. Dhaka. 7. Zonal Office. UCBL. Chittagong.

The environment and clime alteration consequence on human being every bit good as the planet are now a planetary concern because the alterations have direct impact on biodiversity. agribusiness. forestry. dry land. H2O resources and human wellness. The cardinal countries of environmental debasement cover air pollution. H2O pollution and scarceness. invasion of rivers. improper disposal of industrial medical and house-hold waste. deforestation. loss of unfastened infinite and loss of biodiversity. The province of environment of Bangladesh is quickly deteriorating. Furthermore. Bangladesh is one of the most climate alteration vulnerable states.

In line with planetary development and response to the environmental debasement. fiscal sector/Banks in Bangladesh can play of import functions as one of the cardinal stakeholders. Banks hold a alone place in an economic system that can impact production. concern and other economic activities through their concern activities and therefore may lend to foul environment. Furthermore. energy and H2O efficiency and waste decrease are of high concern for Banks. 1. 2. Green Banking

Green banking in general refers to the attempts of the Banking sector to maintain the environment viridity and to minimise nursery effects through apologizing their schemes. policy. determinations and activities refering to banking service. concern and in-house operational activities. Green banking may be seen as a constituent of the planetary enterprise from Banks end to salvage environment. Green Bankss or environmentally responsible Bankss do non merely better their ain criterions but besides affect socially responsible behaviour of other concern.

1. 3. Aim

The intent of Green Banking Policy will be to guarantee necessary steps to protect environmental pollution while supplying service or funding clients every bit good as to better in-house environment direction through efficient usage of assorted resources at Head Office. Branches and other nexus offices. 1. 4. Scope

This policy papers will be applicable for issues related to Green Banking with regard to activities of the Bank and its clients that have impact on the environment. 1. 5. Benefits

Better the image of the Bank by demoing and functioning its committedness to the environment Significantly cut down operational cost due to less ingestion of office letter papers. energy and H2O. Enhance productiveness every bit good as efficiency of the employees through skilled & amp ; optimal use of engineering

Reduce possible wellness jeopardies by put ining eco-friendly equipments Save important part of Forestry by cut downing paper use Lessen emanation of Green House Gases ( GHGs ) through doing less corporate traveling through teleconference every bit good as set uping conveyance pool for the employees Help develop customer’s consciousness on environment by set uping awareness development plan

Reduce the extent of Non-Performing Loans ( NPLs ) if investing goes to less hazardous undertakings

1. 6. Execution

The Green Banking Policy of the Bank will be implemented in 3 ( three ) phases as per the way of Bangladesh Bank from clip to clip. Activities under different stages are elaborated on later chapters.

Page 5 of 16

Chapter – 2: Administration and Initial In-house Environment Management Phase – I

Activities under Phase – I are to be completed by December 31. 2011 or within drawn-out clip allowed by Bangladesh Bank. This stage includes developing Green Banking policies and shows general committednesss on environment through in-house public presentation.

2. 1. Policy preparation and Administration

The Audit Committee of the Board of Directors of the Bank will move as the high powered commission. who will be responsible for reexamining the Bankss environmental policies. schemes and plan every twelvemonth.

A separate Green Banking Unit/Cell has already been established headed by a senior executive. The Unit/Cell will hold the duty of planing. measuring and administrating related green banking issues of the bank and will describe to the high powered commission of the Board clip to clip.

DMD of General Banking and Development Division
Head of General Banking and Development Division
Head of Corporate Affairs Division
Head of Corporate Banking Division
Head of Credit Risk Management Division
Head of General Services Division
Head of Human Resources and Management Division
Head of Information Technology Division






To guarantee proper execution of Green Banking activities. the Bank will O.K. a considerable fund in the one-year budget.
2. 2. Incorporation of Environment Risk in CRM

The Bank will follow with the instructions stipulated in the elaborate guidelines on Environmental Risk Management ( ERM ) in consideration of a portion of the Green Banking Policy. With a position to integrating Environmental and clime hazard as portion of bing recognition hazard methodological analysis to measure a prospective borrower. Bank’s ERM Policy has been designed in line with Bangladesh Bank guidelines. From now Environmental and Climate Change Risk will be considered as portion of the bing recognition hazard methodological analysis of the Bank to measure a prospective borrower. In this connexion. specific cheque list should be followed by all concerned and be besides included in the audit guidelines and describing formats. Such incorporation will assist reexamine possible beginnings of Environmental Risk under Environmental Due Diligence ( EDD ) checklists.

Bank’s Credit Marketing Division and CRM Division will implement the above policy.

Green Banking Policy

2. 3. Originating In-house Environment Management

An stock list of H2O. paper. electricity. energy etc used by officers and executives at offices and subdivisions of the Bank will be prepared by the General Services Division and submit the same to the Green Banking Unit/Cell quarterly. The Inventory Report submitted by the General Services Division will assist the Bank to utilize it as a yardstick to mensurate the betterment of the Bank sing execution of Green Banking Guidelines.

General Services Division will explicate a ‘Green Office Guide’ or at least a set of general instructions to be followed by the employees of the Bank for efficient usage of electricity. H2O. paper and reuse of equipments. In topographic point of trusting on printed paperss. on line communicating will be extensively used ( where possible ) for office direction to salvage documents. For this intent. the Information Technology Division will take appropriate enterprises. e. g. debut of Digital Signature.

Enterprises will be taken to use Ecofont in publishing to cut down usage of ink. usage scrap paper as notepads and avoid disposable cups/glasses and to put in energy efficient electronic equipments and automatic closure of computing machines. fans. visible radiations. Air Coolers. etc. that will assist the Bank to cut down electricity ingestion. Occupancy Sensors may be used in topographic points. i. e. meeting room. dining room. guest room. etc. . non necessitating consistent lighting. Energy salvaging bulbs will be replaced by normal bulbs in branches/offices of the Bank. An extended program will be made to utilize solar energy at the Bank premises to salvage electricity.

Stairss will be taken to salvage energy from corporate concern travel and employees will be encouraged to buy energy efficient autos ( that consume less fuel ) to cut down gas and crude oil ingestion. The General Services Division will put to death the above activities in coaction with the Information Technology Division and other Divisions where necessary.

2. 4. Introducing Green Finance

Preferences will be given in financing eco-friendly concern activities and energy efficient industries. Investing will be encouraged in edifice environmental substructure such as renewable energy undertaking. clean H2O supply undertaking. effluent intervention works. solid & A ; risky waste disposal works. bio gas works. bio-fertilizer works etc. Bank’s retail and consumer loan plans will advance environmental patterns among clients.

Bank’s recognition selling Division and CRM Division will look into this country. 2. 5. Creation of Climate Risk Fund

Financing to the economic activities of the inundation. cyclone and drouth prone countries will be made at the regular involvement rate without bear downing extra hazard premium. A Climate Change Risk Fund will be created for funding in different countries after measuring the hazards involved and the fund will be used in instance of exigency. Regular funding flows will besides be ensured in these vulnerable countries and sectors. The above Climate Change Risk Fund will be a portion of the Bank’s CSR disbursals.

Green Banking Policy

Bank’s Credit Marketing Division. CRM Division. Finance and Accounts Division and Corporate Affairs Division will look into this country.
2. 6. Introducing Green Selling

Green selling is the selling of merchandises that are presumed to be environmentally safe. Green selling may integrate a wide scope of activities. including merchandise alteration. alterations to the production procedure. packaging alterations. every bit good as modifying advertisement. It refers to the procedure of selling merchandises and/or services based on their environmental benefits. Such a merchandise or service may be environmentally friendly in itself or produced and/or packaged in an environmentally friendly manner. The Bank will utilize environmental causes for marketing their services to consumer and to make consciousness among the mass people.

This portion will be executed by the Public Relations Department of Corporate Affairs Division and the General Banking and Development Division of the Bank. 2. 7. Online banking

Online banking is the pattern of doing bank minutess or paying measures via the Internet on a unafraid web site of a bank that allows the clients to do sedimentations. backdowns and pay measures. The Bank has been supplying such services to its big base of clients throughout the state for long. The Bank will stress more to do available to the clients the easiest manner that aid environment by extinguishing paper waste. salvaging gas and C emanation. cut downing printing costs and postage disbursals.

This portion will be executed by the Information Technology Division of the Bank. 2. 8. Employee Training. Consumer Awareness and Green Event

Training and run on employee consciousness and environmental and societal hazard and the relevant issues will be taken continually as portion of the Bank’s Human Recourse Development. The Public Relations Department under Corporate Affairs Division of the Bank will continually set up necessary run and plans to make consciousness among consumers and clients. This portion will be executed by the Training Institution of Human Resources Division and the Corporate Affairs Division of the Bank ( as the instance may be ) .

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