Circular Banks
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This document discusses the evolution of green banking, highlighting its benefits and challenges, including the need for skilled staff and awareness of sustainability regulations. It also emphasizes the importance of transparency and social impact in building customer trust, along with different green banking products like green mortgages and loans. Additionally, it provides insights on the establishment of the Net-Zero Banking Alliance and showcases emission data from major global banks.
Circular Banks
- 2. ENVIRONMENTAL SUSTAINABILITY SLIDESHOWS FROM s2adesign.com S2ADESIGN.COM
- 5. A Mission-Driven Institution that Uses Innovative Financing Strategies to Accelerate the Clean Energy Transition to Net-Zero Emissions by 2050 and Build Climate Resilience.
- 6. Reduces Energy Use, Water Use & Carbon Emissions while Using Renewable Energy to Minimize the Environmental Impact. Environmental Enhances Competitive Edge by Promoting Low Carbon Investments Attracting Eco-Conscious Customers & Generating Revenue. distinction Builds Trust & Loyalty Among Customers by Publishing Financial & Sustainability Reports on Investments & Carbon Footprint. transparency Prioritizes Fair Working Conditions for Employees, Promoting Diversity, Equity & Inclusion while Improving their Health & Safety. Social Impact Contributes to a Sustainable Future by Promoting a Just Transition Towards Net Zero & Reducing Exposure to Unsustainable Activities. SDG Alignment GREENOMY.IO Green banking benefits
- 7. Requires a Highly Skilled & Experienced Staff, Including Loan Officers to Provide Access to Sustainable Financing Services. Higher cost Will Restrict Business to Meet Sustainability Requirements. Resulting in a Smaller Costumer Base & Lower Profit Margins. Diversification Significantly Reduces the Effectiveness of Green Banking Strategies & Can Harm Reputation & Long-Term Growth. Greenwashing Subject to Complex Policies & Regulations. Compliance Requires Implementing Time-Consuming & Expensive Procedures. policies Lack of Awareness & Education Promoting Green Banking Products & Services Among Employees, Customers & Investors. awareness BANKINGFINANCE.IN challenges Green banking
- 8. The High Cost of Highly Skilled Staff is Offset by Cost Savings from Reduced Energy & Paper Consumption. Higher cost Green Banks are more Appealing to Investors & Lenders Attracting New Funding Sources & Diversifying their Funding. Diversification By Adhering to Sustainability Regulations, Green Banks can Mitigate Greenwashing Risk & Focus on their Operations. Greenwashing Review Policies & Regulations & Collaborate with Regulators & Policymakers to Ensure Compliance. policies Launch Programs & Campaigns to Raise Awareness About the Benefits of Green Banking Among Employees & Customers. awareness solutions Green banking GREENOMY.IO
- 9. Green car loans Customers are Offered Reduced Rates on the Purchase of Electric or Low- Emission Vehicles. Green mortgages Available to Customers Purchasing Homes with High Energy Efficiency Ratings (A or B), Passive & Carbon- Neutral Homes. Green home loans Enable Homeowners to Make Energy- Efficient Renovations such as Solar Panels & Smart Meters. Sustainablesavings & bonds Enable Customers to Invest in Environmental Projects such as Clean Electricity Generation from Renewable Energy. MENIGA.COM Green banking products
- 10. Paperlessbilling Receiving an Electronic Version of a Bill Instead of a Paper Bill to Reduce Air Pollution Caused by Paper Production & Waste Generation. Remote depositcapture(rdc) Checks are Scanned Into Digital Images & Cleared Electronically to Reduce Paper Consumption & Carbon Footprint. Online banking Customers Access their Banking Account through the Web, Manage Funds, Receive Balance Information Pay Bills & View Transactions. Green credit cards A Portion of Every Credit Card Purchase is Directed Towards Efforts to Promote Clean Energy & Support Green Businesses. GREENAMERICA.ORG Green banking services
- 11. Strategies GREEN DATA CENTERS Sustainable AI Video conferencing & Remote work green Shipping & packaging Renewable energy Waste REDUCTION Energy efficient buildings SMART meters Efficient lighting IDRBT.AC.IN Green banks infrastructure
- 13. In 2021, the Net-Zero Banking Alliance was Established by 43 UN Members. The Alliance Unites Banks Committed to Aligning their Operations with the Goal of Reaching Net-Zero Emissions by 2050 and Accelerating Sustainable Development Worldwide. UNEPFI.ORG UNEP Finance Initiative Net-Zero Banking Alliance
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- 16. MILLION METRIC tons â CO2 Equivalent EMISSIONS BANK (COUNTRY) 2.2 Agricultural Bank of ChinaLimited (China) 2.0 Industrial & Commercial Bank of China Limited (China) 1.7 China ConstructionBank Corporation (China) 1.5 Bank of China Limited (China) 1.0 JPMorgan Chase (U.S.) 0.8 Bank of America(U.S.) EMISSIONS BY the LARGEST BANKS WORLDWIDE BANKS OWN REPORTING.
- 18. leading ESG goals in banks strategy worldwide 87 80 76 73 66 58 34 12 9 6 Climate Change Gender Equality Financial Inclusion Employment Human Rights Efficiency Biodiversity Energy Housing Health Percent(2021) UNEP.ORG
- 19. 70 27 17 15 4 Europe Asia Pacific North America LAC MEA UNEPFI.ORG BY REGION (2023) Numberof Net-Zero BankingAlliance members
- 20. sustainabilityINTEGRATION into banksSTRATEGY NO INTEGRATION WORLDWIDE(2021) UNEPFI.ORG 66% 33% 1% COMPLETE INTEGRATION This Is A PARTIAL INTEGRATION
- 21. alignment with Paris agreement of banks worldwide NO PLAN TO COMPLETE GHG emissions identification scenario(2021) UNEPFI.ORG 18% 68% 14% COMPLETED This Is A IN PROGRESS
- 22. By SUSTAINALYTICS(WORLDWIDE) 2023 percent BANK (COUNTRY) 61% HSBC (UK) 60% Royal Bank of Canada (Canada) 58% Toronto-Dominion Bank (Canada) 57% Commonwealth Bank of Australia (Australia) 53% Charles Schwab (U.S.) 51% Morgan Stanley (U.S.) HIGHEST SUSTAINABILITY SCORES OF THE LARGEST Banks SUSTAINALYTICS.COM
- 23. 7.5 6.4 5.4 4.5 3.9 3.7 3.3 3.1 Ind. Bank of China Bank of America Bank of China Credit Agricole Mizuho Bank BNP Paribas China Const. Bank Sumitomo Mitsui STATISTA.COM Green bond issuance of the largest banks billion dollars(worldwide) 2022
- 24. 26.5 22.3 21.8 21.3 19.9 19.7 17.6 11.3 10.1 JP Morgan Credit Agricole CIB BNP Paribas Citi Deutsche Bank Bank of America HSBC Barclays Morgan Stanley billion dollars(2021) BLOOMBERG.COM largest GLOBAL Green bonds underwriters
- 25. S2ADesign.com