Green Banking

world's total annual milk supply. India has witnessed an increasing trend of goat milk production with a growth rate of 3.82 per cent during 2015-16 (www.nddb.org). Caprine milk fat have smaller fat globules, it is easier to digest than cow milk. Further, the exact composition varies according to many factors like breeds, individual animal, lactation, health condition, environmental condition etc. (Yadav et al., 2016). Caprine milk and its products are highly nutritious, health benefits

A considerable number of companies focus solely on maximizing their profit and give less or almost no concern about environmental sustainability and protection. Financial institutions being a part of these developmental entities tend to play a crucial role in economies' development and sustainability due to their intermediary role between economies and the investing industries. Despite the belief that banks do not directly contribute to the emission maximization or carbon footprint still, evidence reported that they are indirectly contributing to that by financing those projects which may harm the environment and its surroundings. Accordingly, the concept of green banking practices has been recently introduced in support of the theory of socially responsible investment (SRI), which looks for both financial return and social/environmental good to bring about social change regarded as positive by proponents. Hence, this study investigates green banking practices' relevance among banks in Saudi Arabia and their effect on the Saudi banks' green image with the mediating effect of the employees' green behaviour. The study targeted all banks operating in Saudi Arabia, and results were tabulated and analyzed with the help of the structural equation modeling partial least square (PLS) and SPSS software. The study's findings revealed a significant positive relationship between green banking practices and the Saudi banks' green image, indicating that the more green banking practices are practiced, the more the banks' image improves. The results further disclosed that the green behaviour of employees is affected by green banking practices directly. However, employees' green banking behaviour does not mediate the relationship between green banking practices and the Saudi banks' green image. Since green banking practices impact the banks' green image, banks should spread awareness among their employees, clients, and other stakeholders to ensure more benefits. Since it is in some studies reported as a voluntary behaviour, not a compulsory one, which may affect the seriousness of employees to follow it.

Malaysia once replicated Bangladesh’s trail-blazer Grameen Bank to establish its  Amanah Ikhtiar model of Islamic banking for the poor. Now, it may also learn some useful things from Bangladesh’s Islamic Green Banking.  In this light, this study analysed the bankers’ perceptions of the green banking concept, its benefits, its complexities of  execution, and its possible relationship with Islamic banking. This is an empirical study  of 48 Islamic bankers from 21 branches of seven Islamic banks located in Dhaka, Bangladesh employing structured questionnaires. Data purification and analysis were carried out through a software SPSS version 1; and Henry Garrett’s ranking technique was used to gauge the most influential factors. The analysis revealed that respective bankers perceived green banking as an environmental banking that helped to protect the environment despite its high adoption cost. Also, green banking and Islamic banking were perceived to be compatible and  interlinked as Isl...

Banking industry is never considered as a polluting industry, however, the present scale of banking operations has considerably increased the carbon footprint of banks due to their massive use of energy, high paper wastage, lack of green building, green project investment etc. To aid the reduction of external carbon emission, banks should finance green technology and pollution reducing projects. The banks operation should be emphasized on green banking activities conducted in such area and in such a manner that helps the overall reduction of external carbon emission and internal carbon footprint. Therefore, banks should adopt technology, process and products which result in sustainable reduction of their carbon footprint as well as develop a sustainable business. Green banking as a concept is proactive and smart way of thinking with a vision for future sustainability of our only spaceship earth. The major objective of this study was to understand the relationship between green banking and sustainability of Nepalese  banks. The factors of green banking considered were green product/services, risk management, green investment, green banking strategies and green human resource management. This study undertakes quantitative approach towards descriptive and causal research design. SEM analysis was adopted to examine the hypotheses. A sample of 350 employees were considered for the study. However, 309 questionnaires were returned and used in this research. The study’s findings indicated that all the dimensions of green baking practices have significant relationship with sustainability of  banks in Nepal. Thus, offering environmentally products that combine social concern along with encouraging projects. This takes care of sustainability and use of renewable resources and focusing on green investment by keeping the annual targets, strategic plan and budget at the relevant activities helps in sustainability of Nepalese  banks. It is concluded that Nepalese banking organizations has a huge potential for the green banking practices. If these banks turn their focus toward the sustainability, it would be beneficial for the risk diversification of banks as well as development of the country. So, it can be concluded that green banking helps in sustainability of banks

Sustainability in Environment is one of the major problems in the present Materialistic, Modern World. The
Development in the Economy leads to growth in the Nation, but on the other hand we are not considering the
effects of the rational utilization of the Natural Resources.The Cause of Global Warming is due to the excess cut
down of trees and building multistoried buildings all over (i.e. based on mans requirement). Hence reduction of
Carbon Foot print of Individual is less. Where inverse it’s increasing day by day.Banking Sector is one of the
major agents for overall industrial activities and has majorly contributed for economic growth. So, the Banking
sector has taken an initiative for the reduction in the usage of papers through use of proper technology which in
return reduces the carbon foot print of the Individual.

The need for the transition from a high-carbon to a low-carbon economy has led to the creation of the so-called green banks, while many financial institutions around the world are gradually adjusting their loan portfolio to a greener one by financing environmentfriendly projects. Using a panel data set of 165 global and non-global banks from 38 countries worldwide, covering the period 1999-2015, we examine whether there are any discernible performance differences between green and non-green banks. The variables of interest are fundamental CAMEL factors. By employing panel data techniques, we investigate whether there are statistically significant differences between the two groups. Moreover, we adopt the Differences-inDifferences approach to examine whether green banks ("treatment" group) and non-green banks ("control" group) exhibit differential behavior, and we use the financial crisis outbreak as the time of intervention. We find that both green and non-green banks are affected by nearly the same bank-specific factors and that they do not exhibit heterogeneous behavior with respect to several fundamental aspects. Specifically, our results show that green bankswhether global or notperform better than their non-green counterparts only in terms of Total Capital Ratio and Tier1 Capital Ratio during and after the financial crisis. As for the rest of the CAMEL factors, it seems that both groups exhibit the same behavior, especially in the post-crisis period. In addition, our results indicate that the financial crisis has: (a) a positive effect on capital adequacy (excluding Leverage Ratio which seems to have remained unaffected), on asset quality and management quality; (b) a negative effect on earnings ability; (c) a negative impact on liquidity, for both bank types. These results seem robust for the pre-and, especially, the post-2007-2008 financial crisis periods.

Abstract- In recent years, both academics and banking professionals are paying more attention towards the green banking concept due to its significant influence on environment management in banking context. In Sri Lanka, People’s bank adapted to the green banking practices in 2015 with YES savings accounts as the first state sector bank which introduced the green banking products to their customers. Even though there are so many convenient facilities and benefits available with green banking in People’s Bank since 2015, the problem is that there is a less customers’ intention to use these green banking products. Thus this study aims to investigate factors affecting for the customers’ intention to use green banking products in people’s Bank. Data were collected by distributing a structured questionnaire among the sample of 371 customers in People’s bank in Kandy branch. Customers’ purchase intention has been considered as the dependent variable and green product awareness, green product trust, green product image, green benefits, green perceived value and green product security & privacy have been considered as independent variables. The results indicate that there are significant positive effects of green product awareness, green product benefits, green perceived value and green product privacy & security on the customers’ intention while there are significant negative effect of green product image and green product trust on the customers’ intention to use green banking products in People’s bank.
Index Terms- Environmental Sustainability, : Green Brand Dimensions, Green Products, Purchase Intention

Environmental protection has been accepted as one of the burning issues in worldwide today without exception for Nepal. It pressurizes all industries, along with financial services to apply “green” initiatives which provide the environment friendly services. Banking and financial institution can take proactive steps including reducing the huge use of paper, and multi- branch banks to support local green initiatives by introducing green banking concept. This study review customers’ perception on Green Banking Practices. This study highlights the growing concerns of green banking initiatives, environment perspective of green banking and exploration of type of banking activities initiated to protect the environment. It assess the factors influencing customer expectation and usage of green banking products and the benefits of green banking practices for users by the help of analysis of customers’ experience (positive and negative attitude) towards banking services. The systematic exploration of reality has revealed that the concept of green banking has been accepted as one of the emerging issue in banking and financial institution and there is low level of awareness of green banking practices among general banking consumers. The major perceived problems is fear of information security and time saving has been observed to be the most immediate benefit of using green banking services. However, the issue needs be extensively studied in the national context of Nepal.

Green banking promotes environmental friendly practices and reduces carbon footprints from banking activities. This comes in many forms using online banking instead of branch banking, paying bills online, instead of mailing them open up CDs and money market counts at online banks, support green initiatives. Green banking helps to create effective and far reaching market based solution to address a range of environmental problems, including climate change, deforestation, air quality issues and bio diversity loss while at the same time identifying and securing opportunities that benefit customers.

Green banking is new concept in the financial sector from last two decades. As banking transactions involve more paper on daily basis it is the conscientiousness of banking sector to induce the general public to move from traditional practices to green banking practices. More than government

The meager rate of green banking awareness and sustainability in Nigeria is traceable to a lack of adequate educational, financial, and Information Communication Technology infrastructure in Nigeria. The findings document that banks in Nigeria have various green banking products that they showcase, but they have not given them their correct nomenclature. Poor knowledge of green banking among customers and bank staff is a constraint to its awareness. The study reveals that educational level, agegroup, lack of basic ICT knowledge, and illiteracy among rural and urban dwellers have negative effects on green banking awareness and operation in Nigeria. Banks have not contributed to compensating the states, organizations, and individuals that have experienced natural disasters, and the impact on the eco-system has not been beneficial. As a result of these factors, the benefits and sustainability of green banking are not certain. The study concludes that addressing the issue of education and lack of infrastructure will support efforts towards sustainability of green banking activities in the country. Banks should improve on their corporate social responsibility. The collaboration of government and service providers should be on par in order to initiate the policies that will make green banking activities user friendly.

Banks are financial institution which can play an outstanding role between sustainable economic growth and environmental protection in order to prove themselves as environment friendly and socially accountable institution. For promoting this there is nothing but " Green Banking " which is the most talked topic in the recent banking activities and responsibilities. Green Banking refers to the banking business conducted in selected area and technique that helps the reduction of carbon emission surround the world. To aid the reduction of carbon emission bank should finance green technology and pollution reducing sectors. Green finance is an integral part of Green banking that makes a great contribution to the transition to resource-efficient and low carbon industries. Green Banking is certainly a new initiative throughout the world. The leading bankers and entrepreneurs have come forward to protect human being from environmental disasters. In the context of Bangladesh, if we think about it, we will find the situation to be terrible. Our people have little awareness about environment pollution and they do not understand the severe consequences of this pollution which will create an unexpected trouble in the coming decades.

Banks usually provide dedicated public services for profits. It is believed that profit should not be earned at the expense of the world's most pressing environmental problems. Thus the concept of green banking is evolved in response to the global initiative to save environment. It is a kind of welfare banking for the society at large, it responses to be green in daily operations and financing of nature conservation projects. The present paper aims to highlight the green banking road map in Bangladesh and the status of its implementation. Further, an attempt has been made to explore activities of commercial banks in comparison with global green banking initiatives. The study utilized secondary data available from related websites, published reports and articles. The study concluded that Bangladesh is far behind their counterparts from the developed countries. But the general picture presents a transition to green banking in a consistent manner for most banks. By taking care of its infrastructure development and accelerating its existing green movements, banks can ensure sustainability for itself and greener world for communities.

Banks usually provide dedicated public services for profits. It is believed that profit should not be earned at the expense of the world's most pressing environmental problems. Thus the concept of green banking is evolved in response to the global initiative to save environment. It is a kind of welfare banking for the society at large, it responses to be green in daily operations and financing of nature conservation projects. The present paper aims to highlight the green banking road map in Bangladesh and the status of its implementation. Further, an attempt has been made to explore activities of commercial banks in comparison with global green banking initiatives. The study utilized secondary data available from related websites, published reports and articles. The study concluded that Bangladesh is far behind their counterparts from the developed countries. But the general picture presents a transition to green banking in a consistent manner for most banks. By taking care of its infrastructure development and accelerating its existing green movements, banks can ensure sustainability for itself and greener world for communities.

All over the world balanced development is emphasized by government to ensure the ability of the country to advance its economy without having any destructive consequences on the economy. Environmentalist consider green banking as one of the valuable arms in order to ensure sustainable development. To implement green banking policy environmental stakeholders today are encouraging financial community strictly to aid in environmental protection. The core objective is to study the green banking impact on sustainability, explore the dimensions of green banking and also to study the prospects of green banking in Pakistan. A systematic review of the literature was performed to achieve the objectives of the study. The published literature suggests that green banking has significant impact on sustainability and the dimensions explored are usually at the initial stage. The issuance of green banking guidelines by central bank of Pakistan ensure the responsibility of banks to support the initiative policy that transform the economy of the country towards climate resilient and low carbon economy.

The main objective of the study was to find the green banking initiatives and to know the implementation of green banking initiatives in private banks of India. The comparative analysis of presentation of green banking initiatives between two years has been studied. For the analysis secondary non- monetary data was collected from the annual report of total 16 private sectors banks of India. To find the comparison between the presentations of green banking initiatives non-parametric test – Wilcozon Signed Rank has been applied for analysis. Total 13 variables were broadly collected from the data provided in sustainability report of banks viz, online banking, green building, energy consumption, paperless banking, clean technology, green product service, tree plantation, waste management, mass transportation system, solar energy projection, carbon disclosure project, water consumption and community outreach. There is no significant difference found in presentation of green banking initiatives between two years. The private banks are still ignoring three initiatives likes green building, carbon disclosure and mass transportation.
Keyword: Green Banking, Green Banking Practices, Online Banking, Green Building, Green Products, Green Banking Activities, Green Banking Initiative.

Sustainability in Environment is one of the major problems in the present Materialistic, Modern World. The Development in the Economy leads to growth in the Nation, but on the other hand we are not considering the effects of the rational utilization of the Natural Resources. Sustainable Banking includes the elements of preventive and offensive banking (Marcel H.A. Jeucken, 2001).

The Cause of Global Warming is due to the excess cut down of trees and building multistoried buildings all over (i.e. based on mans requirement). Hence reduction of Carbon Foot print of Individual is less. Where inverse it’s increasing day by day.

Banking Sector is one of the major agents for overall industrial activities and has majorly contributed for economic growth. So, the Banking sector has taken an initiative for the reduction in the usage of papers through use of proper technology which in return reduces the carbon foot print of the Individual.

Thanks for the technology innovation, because of this innovation; Banks has started adopting the appropriated innovated technology to support for avoidance of Global Warming. Thus technology used by Banking Sector has immensely helped India and the world.

Our Study is done to find out the role of Technology contributions towards Green Banking. Where in the study we found that Extent of Technology used in few banks and others have tried to attempt, Reduction in usage of Paper is very less compared to Private Banks, other Benefits of Technology (i.e. Time and cost) and also to suggest the Green Banking to be implemented as hardcore rule by the central bank/Government as a policy.

The methodology adopted includes 1. Primary Source: In the form of Questionnaire with the various Indian Banks. 2. The Secondary data for the references and also for understandings. The Questionnaire is analyzed by using the statistical tool, Correlation between Technology to Time and Technology to Cost.

The Suggestions through this paper is to adopt technology by banks to contribute towards Green Banking. So as to reduce the carbon foot print by the Co-operative Banks, which are called as Member’s Bank in this study and also to force the nationalized banks to use of Technology widely and to meets the client’s requirement.

Sustainable development can be achieved by allowing Banks to implement the Green Banking an appropriate framework for cost efficient regulations and economic instruments.

These days, the concept of green banking is becoming popular in the financial sectors. This paper deals with the reporting on green banking issues by the banking companies in a developing country - Bangladesh. Through content analysis of the annual reports of ten sample banks, the research finds that Bangladeshi banks are reporting on green banking issues even in the absence of any specific reporting guideline. The nature of the language used for green banking reports was also analyzed through discourse analysis. It was found that after the introduction of the green banking program of Bangladesh Bank (the central bank of Bangladesh) in 2011, the banks started reporting on their green banking activities. The level of disclosure increased over the years up to 2013. The study concludes that though the banks started reporting on this issue, their reports lack consistency because of the absence of a standardized reporting guideline. They wanted to report that they are performing according to the suggestions of Bangladesh Bank. From this, it can be said that the banking companies consider the central bank as a powerful stakeholder. The banks mostly provided ‘good news’ in their reports. This kind of reporting helps the banks to gain greater legitimacy in the eyes of the regulator, Bangladesh Bank, and to the public.

This study examined bank workers' awareness and opinions on green banking in Nizwa through a quantitative descriptive research. A total of 150 bank workers received the questionnaire. The approach of random sampling was used. The respondents were asked to rate the most effective way to implement green banking and the factors that motivate banks to employ green banking services. The chi square test analysis was one of the statistical procedures utilized to evaluate the data. Findings of the study concluded that majority of the respondents are aware of the green banking concept and the green banking initiatives. According to the chi square results, there is no significant association between how different age groups perceive the concept of green banking, and there is a significant difference in how people with varied qualifications perceive the concept of green banking.

This is an age of technology. Now, all types of organizations are adopting the modern technology for providing efficient services to the customers. This study is an attempt to find out the significant factors that affecting the customer " s satisfaction in ATM (Automated Teller Machine) service in Dhaka city. The results of reliability test, factor analysis, and regression analysis focuses that cost of services of ATM, ATM network, security in transactions of ATM, location of ATM Centers, and maximum withdrawal limit per day are the most vital factors in customers satisfaction of ATM services. Finally , it is evident from the study; overall 62% of the customers are satisfied by using ATM services in Dhaka city.

This study aims to depict the present scenario and the way of adoption of green banking practices by banks and non-bank financial institutions (NBFIs) in Bangladesh. Our analysis is based on the data collected from the quarterly and annual reports issued by Bangladesh Bank over the period of January, 2013 to September, 2017. This study finds that the entire green investment, whether direct or indirect, is in an upward trend in Bangladesh financial sector, but is lagging behind so far from the benchmark fixed by Bangladesh Bank.

This article discusses the necessity of bank managers to evaluate investment projects with real options. The object of study is the investment activity of banks, and the subject is optimization of investment projects valuation method in the framework of banks risk management. The main objective of the study is to develop an optimal methodology for the investment project valuation that will enable the effective management of bank funds and obtain sufficient investment income. While studying the problem, there were set following tasks to solve:
• Analyze investment project valuation methods and ways of their optimization;
• Identify opportunities of using real options in the valuation of investment projects in bank;
• Make own conclusions on the studied subject.
The relevance of the chosen topic is determined by the necessity of optimal risk management tools and definitions in assessment methods of the investment project. The use of real options is one of the innovative approaches to the valuation of assets. Traditional methods of valuating investment projects are not taken into account when calculating the competitive advantage and flexibility in management. Moreover, bank managers face the uncertainty at the beginning and in further development of the project that forces managers to use more flexible tools for assessing the investment project. As the result of this topics study there arises a question to consider for the heads of the bank about including real option method in its activity. The use of this method is one of the innovative methods in evaluating investment projects and will let managers of the bank to be more flexible.

The Banking Regulation and Policy Department (BRPD) of Bangladesh Bank, in its “Policy Guidelines for Green Banking”, has termed Green Banking as a component of the global initiative by a group of stakeholders to save environment. A green bank does not only improve their own standards but also affect socially responsible behavior of other business. A green bank helps to reduce the carbon footprint from banking activities and economic events. Converting to online banking and mobile banking are two ways that we can do the part to bank green and help the environment easily. The Green Banking is a subject with wider scopes and dimensions and bankers require to prepare themselves both conceptually and practically in offerings, processes and advanced policy developments. This paper also shows some best green banking practices across the globe and recommends advance policy development in ERM and CSR practices.

Green reporting and green regulation have been commonly used in the sustainability movement. This study evaluates Bangladesh Bank's (BB's) green regulation by considering the global reporting initiative (GRI) of environmental regulation along with self-determined content to justify BB's institutional effort in the banking sector. The analytical study has considered secondary data of all listed banks on the Dhaka Stock Exchange between 2013 to 2016. A multi-theoretical framework has been adopted in which the research is comprised of institutional, stakeholder, and legitimacy theories. Considering the analytical research, we have drawn-up a green reporting score and undertaken SWOT analysis. The results of the study have identified the narrow coverage of BB's regulation and strategic limitations. Moreover, the findings of the study show that banking companies disclosed more green information in line with BB's regulation. Furthermore, our analysis has found the lack...

Green banking is the operation of the banking activities giving especial attention upon the social, ecological and environmental factors aiming at the conservation of nature and natural resources. Banks can be green through bringing changes in six main spheres of banking activities. Those are Change in Investment Management, Change in Deposit Management, Change in House Keeping, Change in the Process of Recruitment and Development of Human Capital, Corporate Social Responsibility (CSR), and Making Consciousness Among Clients and General Mass. Such an initiation can ensure a safe residence for upcoming generation. Bangladesh Bank has already issued circulars regarding this. Banks have already been asked to make their own green banking policy. Now we only need raising voice, keeping hand over hands, thinking in positive way and working in collective manner to make this a true.

People are more attentive and aware of environmental issues in this technical and modernized period, not only of their rights, needs, and expectations, but also about the environmental issues we face in our daily lives. Even now, industries and organizations who are driven by the goal of 'Only Profit' have recognized the current serious scenario and have modified their goals and strategies to be more environmentally friendly. Similarly, in the banking sector, green initiatives have been proposed to change customers' banking activities in order to build and maintain sustainability. The only option to make banking activities green and ecofriendly is to adopt the Green Banking concept. Success and failure are like two sides of the same coin; one cannot exist without the other, similarly Green Banking has both dark and bright sides, as it is entirely new concept in the banking sector that is still in its early stages of application in India. The problems of using Green Banking products and benefits of Green Banking Products are the topic of this research. Mistakes are common in all concepts, but finding them and correcting them at the right time is challenging. Similarly, hurdles to customers using Green Banking products must be removed at the proper moment for the concept of Green Banking and purpose of environmental protection to succeed.

Industrialization, globalization, and liberalization are not only revolutionary concepts; they have also prepared the way for a massive increase in the nation's standard of life and economic prosperity. Through urbanization, humans began to exploit the environment beyond their basic needs in order to live a rich and comfortable life. As a result, the globe is debating the most pressing issue of the day: climate change and global warming. The motto "Go Green" serves as a defender against environmental degradation and encourages businesses to recognize their Corporate Social Responsibility. Green efforts are taken by the banking sector, in both internal and external banking practices, which serving as the main pillar of economic growth. Green Banking products are one of the Green Banking initiatives that banks have developed to lower their customers' carbon footprints in their banking activities. The Green Banking concept's success hinges on its ability to improve sustainability and contribute to environmental protection implementation, as well as client awareness of Green Banking products. This study focuses on Green Banking products and their awareness among public and private sector bank customers.

Preservance of environment and Sustainable development are actually recognized internationally as
overriding imperatives to safeguard our world from the ravages inflicted onto it by mankind. Green
Banking is a real way to sustainable economical growth. Banks play a crucial role in economical
development and they are well equipped to attempt Green Banking activities. A fresh rising mantra
within the bank sector is certainly going green. The word Green refers a wide range of sociable,
environmental and ethical dimensions. Green Banking is one of banking activities that focus on socio
monetary and environmental (Ecological) factors with a try to protect the surroundings and conserve
natural resources. Since banking institutions are one of the key professional establishments that
connect to the masses, they could adopt renewable activities of their organizations and affect their
customers to come about the environment. Green Bank is a multi stakeholders‘ undertaking where
bankers have to work meticulously with administration, NGOs, IFIs/IGOs, Central Standard bank,
consumers and business neighborhoods to attain the goal. Green initiatives by banks include internal
environment management, environmental financing/product ecology, environmental reporting and
disclosure, adopting and formulating guidelines and promoting other stakeholders.

The purpose of this paper is to identify the perceptions of bankers on various aspects of green banking including the concept green banking and banker, benefits of GB and its complexities in execution. Subsequently, their perceptions on the effective green banking strategies are tried to adhere. As bankers involved directly in the service delivery, it is worth-knowing the attitudes about them in particular banking stream. This is an empirical study based on a survey conducted on the bankers of Islamic banks in four old divisions in Bangladesh with structured questionnaires. Data purification and analysis is carried out through the software-SPSS version 16 and factor analysis method is used to get the most influential factor through Henry Garrett's ranking technique. The respective bankers perceived that a green banker is a socially responsible banker, while green banking is an environmental banking which helps protect environment although it has high adoption cost. Also green banking and Islamic banking are interlinked as Islam support natural resource savings, cleanliness, and social responsibility are also the motto of GB. Regarding the effective green banking strategies, banker seems that reducing paper saving is the appropriate strategy followed by the sponsoring tree plantations.

Malaysia once replicated Bangladesh's trail-blazer Grameen Bank to establish its Amanah Ikhtiar model of Islamic banking for the poor. Now, it may also learn some useful things from Bangladesh's Islamic Green Banking. In this light, this study analysed the bankers' perceptions of the green banking concept, its benefits, its complexities of execution, and its possible relationship with Islamic banking. This is an empirical study of 48 Islamic bankers from 21 branches of seven Islamic banks located in Dhaka, Bangladesh employing structured questionnaires. Data purification and analysis were carried out through a software SPSS version 1; and Henry Garrett's ranking technique was used to gauge the most influential factors. The analysis revealed that respective bankers perceived green banking as an environmental banking that helped to protect the environment despite its high adoption cost. Also, green banking and Islamic banking were perceived to be compatible and interlinked as Islam supports resource savings, cleanliness, ethics and social responsibility all of which are also the mottos of Green Banking.

An attempt is made on to understand the concept of Green banking and its issues and challenges in Indian context. Green is becoming a symbol of eco-consciousness in the world. Green banking is making technological improvements, operational improvements and changing client habits in the banking sector. Green Bank is like a normal bank, which considers all the social and environmental factors with an aim to protect the environment and conserve natural resources. It means to promote environmental friendly practices and to reduce the carbon footprint from banking operations. It is also known as ethical bank or sustainable bank. Banks should promote those products, process and technology which substantially reduce the carbon footprint from the environment. But adopting green banking in India is having many issues and challenges, which will be discussed in this paper.

Green banking is the operation of the banking activities giving especial attention upon the social, ecological and environmental factors aiming at the conservation of nature and natural resources. Banks can be green through bringing changes in six main spheres of banking activities. Those are Change in Investment Management, Change in Deposit Management, Change in House Keeping, Change in the Process of Recruitment and Development of Human Capital, Corporate Social Responsibility (CSR), and Making Consciousness Among Clients and General Mass. Such an initiation can ensure a safe residence for upcoming generation. Bangladesh Bank has already issued circulars regarding this. Banks have already been asked to make their own green banking policy. Now we only need raising voice, keeping hand over hands, thinking in positive way and working in collective manner to make this a true.

This is an age of technology. Now, all types of organizations are adopting the modern technology for providing efficient services to the customers. This study is an attempt to find out the significant factors that affecting the customer " s satisfaction in ATM (Automated Teller Machine) service in Dhaka city. The results of reliability test, factor analysis, and regression analysis focuses that cost of services of ATM, ATM network, security in transactions of ATM, location of ATM Centers, and maximum withdrawal limit per day are the most vital factors in customers satisfaction of ATM services. Finally , it is evident from the study; overall 62% of the customers are satisfied by using ATM services in Dhaka city.

The economic area has knowledgeable important improvements and interests in the ongoing past; the vast majority of the banks take green financial activities. The banks are embracing different natural practices in their everyday business activities for the natural worry to keep up the environmental equalization. Hence, banking part assumes an urgent job in advancing naturally maintainable and socially dependable venture. Inside ecological effect of the financial area, for example, utilization of vitality, paper and water is similarly low and clean. Condition the board in the financial business is viewed as liable to be chance administration. It expands the undertaking worth and brings down misfortune proportion as higher quality credit portfolio brings about higher profit. Banks may not be simply the polluters however they for the most part have a financial association with certain organizations/venture extend that are polluters or could be in future. This article fully study on impact on customer perceptions of green banking process with special reference in rajapalayam taluk.

Green banking becomes emerging issue in the world because of massive environmental change which is making the world more harmful for the survival of life. The purpose of the study is to assess the performance of green banking of some selected non-bank financial institutions (NBFIs) in Bangladesh. This research specially focuses the description of conceptual parts of green banking of NBFIs and their basic policies, procedures and also comparing the analysis part of the sustainable banking system. To conduct the research, extensive secondary data have been used. In this research, a sound green investments of selected NBFIs in Bangladesh was traced. The research also explains the present growth of some commercial banks in green investments. The study revealed the green banking road map in Bangladesh and found out the comparative analysis on different types of selected NBFIs in Bangladesh to reason why this policy was adopted. This research would be great help to the policy makers, practitioners, researchers, academicians and to other stakes. The stakeholders can explore this issue to do more research in future.

The purpose of this paper is to identify the perceptions of bankers on various aspects of green banking including the concept green banking and banker, benefits of GB and its complexities in execution. Subsequently, their perceptions on the effective green banking strategies are tried to adhere. As bankers involved directly in the service delivery, it is worth-knowing the attitudes about them in particular banking stream. This is an empirical study based on a survey conducted on the bankers of Islamic banks in four old divisions in Bangladesh with structured questionnaires. Data purification and analysis is carried out through the software- SPSS version 16 and factor analysis method is used to get the most influential factor through Henry Garrett’s ranking technique. The respective bankers perceived that a green banker is a socially responsible banker, while green banking is an environmental banking which helps protect environment although it has high adoption cost. Also green banki...

Abstract- In recent years, both academics and banking professionals are paying more attention towards the green banking concept due to its significant influence on environment management in banking context. In Sri Lanka, People’s bank adapted to the green banking practices in 2015 with YES savings accounts as the first state sector bank which introduced the green banking products to their customers. Even though there are so many convenient facilities and benefits available with green banking in People’s Bank since 2015, the problem is that there is a less customers’ intention to use these green banking products. Thus this study aims to investigate factors affecting for the customers’ intention to use green banking products in people’s Bank. Data were collected by distributing a structured questionnaire among the sample of 371 customers in People’s bank in Kandy branch. Customers’ purchase intention has been considered as the dependent variable and green product awareness, green product trust, green product image, green benefits, green perceived value and green product security & privacy have been considered as independent variables. The results indicate that there are significant positive effects of green product awareness, green product benefits, green perceived value and green product privacy & security on the customers’ intention while there are significant negative effect of green product image and green product trust on the customers’ intention to use green banking products in People’s bank. Index Terms- Environmental Sustainability, : Green Brand Dimensions, Green Products, Purchase Intention

This paper investigates the relationship between credit risk and liquidity risk, based on the potential interdependence between liquid asset ratio and non-performing loans ratio, as well as systemic liquidity risk. The data used cover the period 2007–2012 and the country of study is Greece. We find that the liquid asset ratio decreases as non-performing loans ratio increases, with or without systemic liquidity risk, and consequently that liquidity risk increases as credit risk increases, and vice versa. We show that there is a causal relationship between these two ratios and thus between credit risk and liquidity risk. We also show that the negative effect of systemic liquidity risk on liquidity risk level is less serious than that of non-performing loans, at least in the case of a small-sized bank. Since the above-mentioned ratios are considered as basic measures of the corresponding banking risks, the derived results may be of interest to bank regulators and to the Basel III.

An attempt is made on to understand the concept of Green banking and its issues and challenges in Indian context. Green is becoming a symbol of eco-consciousness in the world. Green banking is making technological improvements, operational improvements and changing client habits in the banking sector. Green Bank is like a normal bank, which considers all the social and environmental factors with an aim to protect the environment and conserve natural resources. It means to promote environmental friendly practices and to reduce the carbon footprint from banking operations. It is also known as ethical bank or sustainable bank. Banks should promote those products, process and technology which substantially reduce the carbon footprint from the environment. But adopting green banking in India is having many issues and challenges, which will be discussed in this paper.

The paper portrays the green baking practices in Bangladesh. Study is mainly based on secondary data highlighting the mobile banking, online banking, green financing, and guidelines for green banking practices as well as green banking unit. Green Banking is a new way of conducting the banking business through considering the hygienic environmental issue as well as corporate social responsibility (CSR). Nowadays, it is inevitable to practice green banking by banks because of globalization and to face the competition. On an average, bank is allocated Tk. 657.67 million for green banking in 2012. Since October 2012, Taka 838.4 million has been allocated to the following green projects. For 2012, banks have allocated Tk.20, 034.59 million for green finance of which Tk. 3273.69 million has been utilized during January-September 2012. The concept of green Banking is relatively new in Bangladesh and yet to get momentum, but in the developing countries it is passing through a mature stage. The study concludes that green banking practices in Bangladesh is not satisfactory at all

Climate change is the most complicated issue the world is facing. Across the globe there have been continuous endeavors to measure and mitigate the risk of climate change caused by human activity.  In the environment friendly society “Go Green” mantra has become relevant in each and every aspect of business. The banks too are adopting this go green mantra to contribute to the cause of environment protection. Indian banks also endorse this new form of banking and have taken some crucial steps in this regard. Green Banking means ensuring environment friendly practices in banking sector and thereby reducing internal and external carbon footprints. The concept of green banking helps to create cleaner and greener future as Green Banking has direct impact on the environment.  This paper explores how green banking benefits the environment, consumers etc. It further discusses its evolution of green banking in India.

Bio-diversity is the diversity or resources where human beings are majorly dependent on natural resources, but there is no proper utilization of natural resources by mankind. Green banking is a concept which provides a number of ways to conserve natural resources in the banking industry. It means promoting environmental-friendly practices and reducing our carbon footprint generated through activities which may have contributions from the banking events. It also means promoting activities of the banking clients who are in industrial or commercial activities which do not extract more from the planet than they put back in.
Through this study it was discovered that green banking not only involves updating of latest technology but it also involves other factors such as green mortgage and providing loans for improvement of environment. It was also discovered that green banking helps to control Global Warming
The research proves that the Green Banking concepts help to support in bringing down the Global Warming directly and also indirectly: directly by using less papers and indirectly providing loans for those industries which support and aid environmentally sustainable development and in the usage of renewable sources of energy.
Key Words: Green Banking, Technology, Environment

Green banking is the operation of the banking activities giving especial attention upon the social, ecological and environmental factors aiming at the conservation of nature and natural resources. Banks can be green through bringing changes in six main spheres of banking activities. Those are Change in Investment Management, Change in Deposit Management, Change in House Keeping, Change in the Process of Recruitment and Development of Human Capital, Corporate Social Responsibility (CSR), and Making Consciousness Among Clients and General Mass. Such an initiation can ensure a safe residence for upcoming generation. Bangladesh Bank has already issued circulars regarding this. Banks have already been asked to make their own green banking policy. Now we only need raising voice, keeping hand over hands, thinking in positive way and working in collective manner to make this a true.

Rising  concerns  for  environmental  sustainability  (ES)  demand  that  Islamic  finance  converts  its  business  model  to  ethical  finance.  The  conversion  of  a  business  model  is  unattainable  without  employees’  positive  attitudes  and  willingness  to  adopt  the  green  banking  approach.  This  study  aims  to  promote  ES  implications  for  Islamic  bankers  and  encourage  Islamic  banks  to  adopt  a  similar  approach.  The  main  objective  is  to  explore  green  behaviours  among  Islamic bankers and the influence of these behaviours on green banking growth in  Malaysia.  Data  were  collected  from  55  Islamic  bankers  using  a  survey  questionnaire.  The  findings  show  that  Islamic  bankers’  inclusive  green  behaviour  significantly  influences  green  banking  growth.  All  five  types  of  green  behaviours  (e.g.,  conservation,  work  sustainability,  avoiding  harm,  influencing  others  and  taking  initiative)  have  a  significant  positive  impact  on  green  banking  growth.  Regulators  and  policymakers  may  adopt  these  findings  to  develop  green  banking  regulations  in  Malaysia  and  other  locations  with  similar economic settings.

Banking industry is never considered as a polluting industry, however, the present scale of banking operations has considerably increased the carbon footprint of banks due to their massive use of energy, high paper wastage, lack of green building, green project investment etc. To aid the reduction of external carbon emission, banks should finance green technology and pollution reducing projects. The banks operation should be emphasized on green banking activities conducted in such area and in such a manner that helps the overall reduction of external carbon emission and internal carbon footprint. Therefore, banks should adopt technology, process and products which result in sustainable reduction of their carbon footprint as well as develop a sustainable business. Green banking as a concept is proactive and smart way of thinking with a vision for future sustainability of our only spaceship earth. The major objective of this study was to understand the relationship between green banking and sustainability of Nepalese banks. The factors of green banking considered were green product/services, risk management, green investment, green banking strategies and green human resource management. This study undertakes quantitative approach towards descriptive and causal research design. SEM analysis was adopted to examine the hypotheses. A sample of 350 employees were considered for the study. However, 309 questionnaires were returned and used in this research. The study’s findings indicated that all the dimensions of green baking practices have significant relationship with sustainability of banks in Nepal. Thus, offering environmentally products that combine social concern along with encouraging projects. This takes care of sustainability and use of renewable resources and focusing on green investment by keeping the annual targets, strategic plan and budget at the relevant activities helps in sustainability of Nepalese banks. It is concluded that Nepalese banking organizations has a huge potential for the green banking practices. If these banks turn their focus toward the sustainability, it would be beneficial for the risk diversification of banks as well as development of the country. So, it can be concluded that green banking helps in sustainability of banks