NCC Bank Green Office Guide PDF

Respect for Nature NCC Bank Green Banking Unit NCC Bank Green Office Guide |0 I n this modern age of technological advancement and industrialization, our beloved planet Earth is endangered due to the continuous environmenta...

Respect for Nature NCC Bank Green Banking Unit NCC Bank Green Office Guide |0 I n this modern age of technological advancement and industrialization, our beloved planet Earth is endangered due to the continuous environmental degradation. It is true that Earth is still the only planet where living beings can survive. But due to the worldwide consistent overexploitation of the Earth’s materials, global climate has been facing bumps constantly since the last few decades. So, it is the high time to do something for our environment by bringing some small but effective changes in our regular habit, raising strong awareness among us and spreading the message among our near and dear ones. Charity begins at home. So, NCC Bank Ltd., in its sustainable banking program, has taken the initiative to prepare this guide with a view to assist its people with some reminiscent activities that will contribute for the improvement of the current scenario. Chapter 1: Be Green, Help Clean! off lights when they are finished. 1.2. Office Equipments: Or, when possible, install timers Save Energy - Save Money 1.1. Lighting: that turn lights on and off when Step into the Green Scene Office equipments alone typically needed.  Take advantage of natural light accounts for more than 20% of the  Turn off the lights every time you whenever possible. Employees are energy used in most offices and in leave a room (office, conference encouraged to open window shades some cases can account for up to 70%. room, etc.). Or and remove objects blocking light So, we should be more logical while install motion sensors coming into the workplace. purchasing and using the office in conference rooms equipments. It is our conscience that and restrooms that  When natural light is not available, can help us to fight for environmental automatically turn use energy efficient bulbs instead of safety. We may keep the following lights off when there standard light bulbs. Fluorescent facts in mind in this regard: is no activity. lamps are the best option.  Angle the lights 1.2.1. Computers and Monitors  Make sure everyone knows ―the correctly. If the light  Don’t power your computer system last one out turns off the lights‖ comes from the right direction, less up until you really need it. A and encourage the cleaners to turn light is required. personal computer uses about three NCC Bank Green Office Guide |1  minutes of running-time energy documentation of the amount of  Set sleep mode default to the while starting up. It is far more cost toner and ink saved in this mode. lowest available setting that is effective to turn it off when not in convenient for you. use. b) Copiers  Switch off your PC system over  Choose a copier with a seven-day lunch. Whenever you plan to be clock. It allows you to program it to away from your desk for an turn off when it isn’t needed at the extended period of time. Computers end of each work day and on have a longer life and use up to 67% weekends. less energy if turned off overnight.  Switch copiers off overnight.  Consider buying a laptop. The  Make sure the standby is set average monitor uses 60 watts when  Choose a printer that can print properly. Whether it is automatic or fully on, but laptop computers, double-side. By installing a third manual, make sure everyone knows including their flat liquid crystal paper bin for networked printers so how to use it by displaying a notice display (LCD) screens, are much that you can print drafts and on or near it. more energy-efficient, as they typically use 15–25 watts—when fully internal documents on paper that is  Replacing your photocopier? Look on. By selecting an efficient laptop already printed on one side. For for energy efficient features but computer and operating it small-volume printers that don’t keep in mind that if it takes an efficiently we can reduce our energy have the ability to print double- exceptionally long time for the use by 85-90%. sided, make sure odd and even copier to warm up after being in pages can be printed easily. standby mode, users will be less  Turn off your screen when you’re prone to activate standby mode. not using it. Screens are the biggest  Switch printers off at the end of consumers of energy using 10% of the work day if possible. Personal  A photocopier left on overnight the total energy consumed by the printers should be turned off when wastes enough energy to make 5,300 computer even when on stand-by. not in use for extended periods. copies. For every extra hour the Moreover, a monitor left on Even in standby mode they are machine is switched off you will overnight wa stes enough energy to consuming energy and costing you save 0.5 kg of carbon dioxide a laser-print 800 pages. money. week. a) Printers  Replacing your printer? Look for c) Faxes  Ensure the printer has toner/ink good energy efficient ratings and saving modes. Draft or ―econosave‖ environmentally friendly features  Set sleep mode default times to the options and ask to see like the ability to print double- lowest available setting. sided. NCC Bank Green Office Guide |2  Fill the paper bin/cartridge with equipment and reduced operation  Efficient windows: Why spend paper that is already printed on one costs. Proper operation and money and energy heating or side. maintenance (O&M) will uncover cooling the outside of your building? ongoing problems and eliminate A green office has high quality  Adjust your margins and type size nonproductive maintenance windows that properly seal off the to fit more on the page. practices. interior environment.  Use ink and toner saving settings.  Ensure that furniture or other items  Adopt recycled materials: Green  Recycle and refill toner and ink do not block cooling system. If real estate often features recycled cartridges. system is blocked, it has to work fly ash concrete construction and longer to achieve the desired level may include re-used wood and other d) Air Conditioning of comfort. recycled materials.  Set the Air conditioner to optimum temperature. Too cold or too hot is  Energy-saving appliances and not any logical attitude. An plumbing: Efficient heating and adjustment of only a degree or two cooling systems, power-saving light can cut heating or cooling bills by fixtures and low-flow plumbing can two to three percent. Extending drastically reduce your company’s that to three or four degrees can consumption of water and energy. produce savings of 10 percent or  Alternative energy sources: Solar more. Try making small changes to panels are most common, but some find the optimal settings that green offices feature unique eco- maintain comfortable conditions for e) Refrigerators and freezers friendly amenities like geo-thermal employees and customers.  Do not leave doors open. heating.  Adopt automatic thermostat. It  Defrost freezer compartments by 1.3. Paper Products & Stationeries provides the added comfort of a following the manufacturer’s  Employees may consider sharing the pre-warmed or pre-cooled office recommendations to get peak office stationeries in the office. when you arrive at work. Setback performance.  Paper is bulky to store in boxes or thermostats don’t cost much and  Ensure door seals are in good file cabinets. By using fewer sheets, automatically adjust the settings up shape. you can put storage space to more (or down) for evenings and productive use. Also, fewer sheets f) Other Issues weekends, eliminating the mailed may mean reduced postage.  Natural light: The use of plenty of uncertainty and waste of manual  Using both sides of the papers for well-positioned windows is a control. printing, note taking and rough hallmark of a green building. The  Good equipment maintenance pays more natural light gets in, the less purpose will reduce the amount of off in higher reliability of the energy you will use on lighting. NCC Bank Green Office Guide |3  paper consumption and ultimately your teeth and then turn it on when 1.Encourage and buy energy cost. you rinse them. efficient and CNG driven cars.  We should avoid printing all the 2.Always turn your car off when you  Fix Leaks and Faucet: A good documents. It is because all get stuck in a traffic jam or wait quantity of documents are not essential to for the signal. water oozes print. We should avoid the ―in case‖ 3.Assign Resource Conservation through the attitude. Manager(s), leaks in the  Overall, it will be highly appreciated 4.Form an Employee Green Team, pipe or a if it is possible to recycle the used loose 5.Solar, Wind or other Green Power papers. NCC Bank Ltd. has a plan faucet. It for your office,  The Management of the every may seem 6.Spread the words to Increase department/division/branches will very small awareness and participation maintain a separate inventory to at your among Employees. determine the consumption of house but 7.Sponsor Environmental Causes papers and stationeries in a period all houses of time. together, Chapter 2: Inspire People  Maintain a stationery and paper its huge! inventory record to determine the  Pour as much as you need: You A banker is considered to be a man of volume of using them. know how much water you want to wisdom. A role of the bankers is to 1.4. Water: drink at the moment. So, fill your induce people in any social cause for Save Water, Save Life glass by yourself and avoid the progressive development of the  Solar Pre-Heating: For the water requesting others to bring you society. So, bankers can inspire people heating purpose, we can switch to water. It is because, the person, to contribute in the environmental solar water heating system, which who you have requested, will awareness program. will reduce the consumption of definitely bring you a fully filled In the financing activities, the electricity. glass of water. You may drink the employees of NCC Bank Ltd. should  Low Flush Toilets: Encourage the half of it and waste the other half. follow the facts depicted below: landlord to install low-flush toilets  Stop wasting food: Studies showed and water-saving faucets in the that, the amount of foods wasted by  The credit officer should be able to building. the first world countries in a day, ascertain risks arising out of would be sufficient for the third environmental issues.  Stop Running Water: If your world countries to sustain for restroom is equipped with a manual several days.  The practice should be directed faucet in the sink, make sure you towards addressing the focused shut the water off while you shave, 1.5. Others environmental problem that is soap your hands, cloth or brushing causing the risks. It should not be NCC Bank Green Office Guide |4  used as a tool to solve problems in environmental risk level, i.e. ―High‖, along with all other necessary general. ―Moderate‖ or ―Low‖ (Refer Part 3 documents. Technical Manual of ERM Guidelines),  The practice needs to be value  While visiting the applicant firm, and estimate the number and financial adding to the borrower and should please oversee the level of threat to exposure to each. not be ―policing‖ in nature. environment, check the Based on these risk estimates, our environmental safety measures, rate  NCCBL shall work with the potential bank should review their asset the firm and complete the borrowers in a collaborative composition and the environmental Environmental Due Diligence (EDD) manner. Together, they should plan risk in our portfolio. Such a review can Checklist properly with the overall the business activity that will lead to an accurate prioritization of Environmental Risk Rating (EnvRR). adequately address the risks and appropriate risk management environmental risks. efforts. With the background of such a 2.2. CRM Functions:  NCCBL shall apply Environmental portfolio analysis, NCCBL will be able We need to modify our credit Risk Management guidelines to to undertake subsequent processing and approval processes to strengthen the relationship with the environmental risk reviews in a more include environmental Risk borrower and not to create unease. efficient and effective manner. Using Management considerations. the outcomes, we can re-balance and  Managing risks and do not avoid take counter-balancing approaches, In the credit risk management risks. However, if any business e.g. adopt more green and low function, it is required to verify activity seems to be inherently environmental risk business activities whether the EnvRR has been correctly irresponsible and managing that is if our portfolio is more oriented to the done. If not, the Relationship Banking not feasible, we should avoid red and high environmental risk. function should be asked to redo the financing that. EDD checklist. Wherever the EnvRR is 2.1. Processing a Loan proposal: ―High‖, the credit risk management The business to be financed should be While processing a loan proposal, the function will ensure that additional classified as per the Department of officers of our bank should: conditions/covenants are included. Environment (DOE)’s Categories of Such conditions / covenants may Red, Orange A, Orange B and Green  Remember the Environmental Risk include: (Refer: Schedule 1 of the ECR 1997). Management Guidelines. NCC Bank Ltd. should estimate the  Consult green banking issues while 1. The borrower will conduct business number and financial exposure to each interviewing the applicant. and maintain property in compliance of these categories. with all environmental laws.  Obtain the updated In addition, the environmental clearance 2. The borrower will provide proposed business is to certificate from the applicant environmental clearance certificates be classified as per their as and when obtained or renewed. activities based on their NCC Bank Green Office Guide |5 3. The borrower will have emergency 2.4. Credit Administration: take cognizance of the commitment response procedures in place. Verify Environmental risk factors to follow-up on these findings in 4. The borrower will take immediate Where EnvRR is ―High‖, verify that the taking decisions to deal with the and necessary remedial action in the conditions/ covenants (e.g. obtaining borrower. event of a hazardous spill or environmental clearance certificate) is met prior to disbursement. Chapter 3: Reduce Reuse Recycle release. Documented evidence of adhering to 5. The borrower will not use the the conditions / covenants should be The world wide formula to help the property for disposing of, producing, provided. nature is treating, storing or using 2.5. Credit Monitoring: Carrying out “Reduce, Reuse and Recycle” contaminants, pollutants, toxic Environmental risk monitoring substances or hazardous materials or To minimize credit losses, our bank Reduce: Energy and resources are has a monitoring procedure already in consumed to make, sell and ship wastes. place. We need to modify it to include everything we buy and use. So the first 6. The borrower will employ a separate step is to reduce the amount of environmental risk considerations environmental manager with ―stuff‖ you wherever EnvRR is rated as high in the required background and skills to use in the following manner: address environmental problems. workplace.  The credit monitoring cell of NCCBL 7. The borrower will ensure adequate Reuse: Since should carry out periodic inspections preparedness to climate change buying new to ensure that proper environmental induced extreme events such as products isn’t management is being adopted. EDD floods and cyclones. always checklists should be used as 2.3. Assessment of Loan proposals: guidance for these inspections as avoidable, be Wherever the EnvRR is ―High‖, the well. Whenever the monitoring sure to reuse credit approval decision should be requires more than the usual resources taken by the Executive Committee management expertise, e.g. for wherever you can. /Board. For all other ratings of the specific technical expertise, Recycle: Once you have reduced and EnvRR, there is no separate external consultants should be reused as much as possible, recycle— requirement for approval decision. appointed. Evidence of the periodic glass, plastic, metals—anything you While assessing a loan proposal, the monitoring should be maintained. can. officers of our bank should perform Chapter 4: Management Functions  NCCBL should follow-up with the the following activities: borrower on the findings of the Conceiving the motto, ―Respect For Verify the Environmental Due inspections. Borrower should send Nature‖, the management of NCC Diligence and EnvRR along with the written documentation on the Bank Limited will help the employees supporting documents. action taken. We should maintain in every aspects to adhere with the record of the same. Our Bank should NCC Bank Green Office Guide |6 sustainable green banking. In this NCC Bank Ltd. will adhere to the 3. Environment Conservation Act 1995. regards, the management may: slogan that has been infused in the 4. The National Energy Policy 1995 Core Values of the bank. That is: 5. Environment Conservation Rule `97 1. Extensively promote the intra mail 6. National Water Policy, 1999 and intra network system to circulate “Respect for Nature” 7. ERM Guidelines by Bangladesh Bank any information. 8. Circulars issued by BB. 2. Inspire the employees to reduce That means, all the employees of NCC 9. The Environment Court Act, 2000 unnecessary printing. Bank Ltd. will act as responsibly 10. National Land Use Policy 2001 3. Encourage employees to use natural environment conscious person. 11. National Energy Policy 2006 light. 12. Renewable Energy Policy, 2008 Besides this, we shall remember the 4. Promote energy efficient tools like 13. National Sustainable Development Strategy, 09 following slogans and shall always laptops, vehicles etc. 14. Environment Preservation Act`10 work for the betterment of the 15. Energy Conservation Act, 2010 5. Introduce green inventory checking environment: system to determine the volume of 16. National 3-R Strategy, 2010 17. Ship Breaking and Hazardous Waste papers and stationery used. 1. Nature is important, preserve it Management Rules, 2010 6. Initiate the world environment day 2. Cherish Nature, Reduce Pollution 18 Website of Dept. of Environment (June 5) and observe it as a ―Low Print 19. Circulars issued by NCCBL 3. A good planet is hard to find Day‖. 20. Visit folder: 7. Actively participate and Promote 4. Save Energy - save money \\192.168.254.1\ IT Folder\ Green_Banking_Soft Copy various environmental awareness 5. Save today. Survive Tomorrow programs. 6. Nurture Nature for a Better Future Chapter 7: Request for Suggestions 8. Initiate Green branch competition and 7. It’s the only Earth we’ve got encourage the branches to compete. This guide does not cover every action 8.Less pollution is the best solution you can take to reduce your 9. Get into the Green Scene environmental risky footprint. NCCBL 10. Go Green, help clean encourages its employees to submit suggestions; then we shall implement the 11. Never compromise green habits ideas that work best for our workplace. 12. Less pollution is the best solution Please feel free to communicate: 13. Save water, secure the future 14. Solar means eternity! 15. Reduce, Reuse, Recycle Green Banking Unit Chapter 6: Further Reading NCC Bank Limited Please read the following for more Chapter 5: NCCBL Green Slogans information: 1.Water Pollution Control Ordinance `70 2. Env. Pollution Control Ordinance`77 NCC Bank Green Office Guide |7