Climate Change Data

Environmental Metrics

ESG Focus Areas

• Financial Inclusion
• Green Banking
• Corporate Social Responsibility

Environmental Achievements

• Formulated green banking policy
• Approved budget for ‘Green Finance’ and ‘Climate Risk Fund’
• Disbursed Tk. 11.00 million in 60 green projects (Biogas Plant, ETP, Brick Kiln, etc.)
• Encouraged paperless banking

Social Achievements

• Increased customer base by 18% to 368,400 accounts
• Expanded network to 122 delivery centers (71 branches, 46 ATMs)
• Increased rural branches to 23
• Increased SME customers by 41% to 4,050
• Increased SME lending portfolio by 16% to Tk. 4,770 million
• Increased Women Entrepreneurs lending portfolio by 36% to Tk. 54 million
• Increased Agri finance customers by 75% to 26,236
• Increased Agri lending portfolio by 479% to Tk. 1,620 million
• Contributed Tk. 14.25 million to CSR projects

Governance Achievements

• Strengthened corporate governance practices
• Awarded ICAB Merit Award and ICMAB Best Corporate Award
• Implemented Basel II compliance

Climate Goals & Targets

Environmental Challenges

• Challenging business environment in the banking sector
• Sluggish capital market
• Higher deposit rates
• Cautious monetary policy
• Provisioning of non-performing loans
• Global economic recession
• Price spiral
• Downbeat performance of capital market
• Scarce resources for bank finance
• Political upheavals
• Environmental erosion
• Downbeat export growth
• Declining inflow of remittance
• Falling Balance of Payments (BoP) position
• Hyperinflation
• Devaluation of Taka against USD
• Deterioration in borrowers’ credit quality
• Changes in policies and practices of regulatory bodies
• Energy crisis and weak infrastructure
• Capital market exposure limit
• Interest rate volatility
• Rising capital requirement
• Reduced margin ratio on consumer financing
• Provision requirement on loans
• Volatility in equity market
• Directed lending
• Operational failure

Mitigation Strategies

• Adjusted strategies to focus on business priorities
• Built a robust financial platform
• Managed success through economic and business challenges
• Maintained sufficient capital consistent with Bank’s risk profile and regulatory requirements
• Expanded network by opening new branches and ATMs
• Launched new Islamic Banking products
• Implemented strengthened risk management procedures
• Focused on lending to SME and Agriculture sector
• Developed entrepreneurial skills of SME sector
• Took definitive steps to resolve non-performing loans
• Continued to participate in CSR programs
• Improved profitability

Supply Chain Management

Climate-Related Risks & Opportunities

Awards & Recognition

• ICAB Certificate of Merit Award
• ICMAB Best Corporate Award

Environmental Metrics

ESG Focus Areas

• Environmental
• Social
• Governance

Environmental Achievements

• Reduced paper consumption from 9,344 reams in 2021 to 9,178 reams in 2022.
• Reduced water consumption from 157,231.81 liters in 2021 to 119,568.31 liters in 2022.
• Initiatives to reduce energy consumption through daylight use, electronic communication, and LED lighting.

Social Achievements

• BDT 13.19 million spent on direct scholarships and educational infrastructure development.
• BDT 106.74 million spent on supporting poor and needy patients.
• BDT 100.00 million financial assistance towards flood-affected areas.
• BDT 9.00 million contributed to the development of Women’s Football Team.
• BDT 1,360.2 million disbursed to women entrepreneurs.

Governance Achievements

• Implemented an Environmental and Social Risk Management policy.
• Adherence to Bangladesh Bank's regulations and guidelines.
• Board of Directors serves as the apex authority for sustainability initiatives.

Climate Goals & Targets

Environmental Challenges

• Increased operational activities in 2022 led to increased GHG emissions compared to 2021.
• Managing the economic, social, and environmental impacts of lending activities.

Mitigation Strategies

• Implemented initiatives to reduce energy consumption and GHG emissions.
• Strict due diligence processes to ensure responsible lending practices.
• Formulated a Green Banking Policy and obtained Board approval.

Supply Chain Management

Climate-Related Risks & Opportunities

Environmental Metrics

ESG Focus Areas

• Environmental Stewardship
• Social Responsibility
• Economic Resilience
• Green Banking

Environmental Achievements

• Increased use of LED lights at Head Office, Corporate Office, and branches
• Increased use of mobile banking and introduction of Dhaka Bank Go app
• Planning for rainwater harvesting at branches and Head Office
• Decreased paper use by initiating double-sided printing and increased use of electronic mails
• Increased use of laptops and corporate portal instead of paper works
• Introduction of electronic loan processing

Social Achievements

• Allocated scholarships and supported educational expenses
• Extended assistance to impoverished and distressed areas
• Advanced the development of the sports team
• Provided SME financing, agri-loans, and women entrepreneur financing
• Donated blankets to Prime Minister's Relief Fund
• Donated to Bayanno Bangla Gobeshona Sangshta
• Distributed agricultural machinery and improved seeds to farmers
• Donated to Home Construction fund by Private Finance, Ashr ayan Project-2

Governance Achievements

• Not disclosed

Climate Goals & Targets

Environmental Challenges

• Not disclosed

Mitigation Strategies

• Not disclosed

Supply Chain Management

Supplier Audits: Not disclosed

Responsible Procurement

• Not disclosed

Climate-Related Risks & Opportunities

Physical Risks

• Not disclosed

Transition Risks

• Not disclosed

Opportunities

• Not disclosed

Reporting Standards

Frameworks Used: Null

Certifications: Null

Third-party Assurance: Not disclosed

UN Sustainable Development Goals

• Not disclosed

Not disclosed

Sustainable Products & Innovation

• Not disclosed

Awards & Recognition

• Not disclosed