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Climate change & Banking According to a report by Citigroup, 74 companies across 21 industries and in 18 countries seem well positioned to benefit from climate change. Climate change is on the agenda for governments, regulators, consumers and businesses and this is creating some major risks, but also opportunities.Slide 3: Global Initiatives Indian Scenario Green banking and Sustainability Through the portfolios of their customers, banks are exposed to a more diverse set of social and environmental issues than other financial institutions. Accordingly, banks and other financial institutions are shifting their focus and reorienting their activities. The government as well as the central banks in many countries are encouraging risk based approach to lending and investment. Sustainability is 1) managing social and environmental risks in strategic decision-making and lending, 2) identifying opportunities for innovative product development in new areas related to sustainability.: Conclusion Global initiatives Around 200 financial institutions around the globe signatories to United Nations Environment Programme Finance Initiative (UNEPFI). ABN Amro, Deutsche, Standard Chartered, HSBC Bank etc. look at environment issues discussed under Kyoto Protocol. ‘BankTract’ a global coalition of NGOs formed a network formed in 2002 to promote sustainable finance in the commercial sector. ‘Sustainable Banking Award’ initiated by IFC along with the Financial Times since 2006. Indian scenario No law and rule in India that can hold banks responsible for scrutinizing investment projects before financing and for the environmental damage created by its client. 9 industries, namely (a) primary metallurgical industries namely zinc, copper, steel etc. (b) paper & pulp (c) pesticides/insecticides (d) refines (e) fertilizers (f) tanneries (g) sugar (h) textiles (i) chemicals/ pharmaceuticals are the possible polluters of future.Slide 5: IndusInd Bank inaugurated Mumbai’s first solar-powered ATM as part of its “Green Office Project” campaign titled “Hum aur Hariyali”in 2009 and also introduced thin computing. The State Bank of India (SBI), as part of its green banking policy, plans to set up captive windmills to generate 15 Mw of power in Tamil Nadu, Maharashtra and Gujarat. ICICI Bank also initiated a programme to sensitise corporate bodies, institutions, banks and government agencies involved in project planning on issues like biodiversity, wildlife habitats and environmental laws. IDBI Bank, for instance, has an exclusive team working on clean development mechanism (CDM) advisory services. It also implemented a refinance scheme for energy saving projects for micro, small and medium enterprises sector.Slide 6: Global Initiatives Indian Scenario Green banking strategies Green banking strategies involves two components: (1) managing environment risk and (2) identifying opportunities for innovative environmentally oriented financial products. i Carbon Credit Business ii. Green Financial products and Services 1. Retail banking 2. Energy-Efficient Mortgages 3. Green Credit Cards 4. Insurance 5. Project Finance 6. Asset Management 7. Corporate and Investment Banking iii Cabon footprint reduction 1. Green Buildings 2. Paperless Banking a. Treasury departments b. Paperless Billing iii. Using mass transportation systems iv. Social responsibility servicesTriodos Bank : Triodos Bank Why Indian banks should follow Equator principles Indian banks argue that they see no need to adopt such principles as their lending to infrastructure projects is restricted to those that have secured the environmental clearances mandated by statute. As these clearances can be purchased for a pittance, this argument is not particularly convincing. The working The banks, to begin with, agree upon a common terminology in categorising projects into high, medium and low environmental and social risk, based on the IFC's categorisation process. Second, the banks ask their customers to demonstrate in their environmental and social reviews, and in their environmental and social management plans, the extent to which they have met the applicable World Bank and IFC sector-specific pollution abatement guidelines and IFC safeguard policies.Slide 8: Problems & Risks Problems Problems fall under two categories; the first concerns depositors, and the second concerns green banks. In the first category lies the problem of really knowing how green banks measure or qualify their ethical policies. Another issue is that of codes. In the second category green banks face obstacles such as losing business and consumer support to conventional banks, and having to regulate above and beyond the present international legal systems. Risks Three types of risk a financial institution could be exposed to arising from the social and environmental issues of their clients: credit risk, liability risk and reputational risk.Green banking strategies : Green banking strategies Conclusion It is important that Indian banks recognize their environmental and social responsibilities if they desire to enter global markets since as far as green banking is concerned, Indian banks are far behind their counterparts from developed countries. India’s growth story and commitment to cut it’s carbon intensity by 20-25% from 2005 levels by 2020 provides tremendous opportunities for Indian banks – from funding sustainable projects to offering innovative products and services in the areas of green banking. For effective green banking, the RBI and the Indian government should pay a proactive role and formulate green policy guidelines and financial incentives. Indian banks should adopt green banking as a business model without much further delay.Green banking strategies : Green banking strategies You do not have the permission to view this presentation. In order to view it, please contact the author of the presentation.