Dutch-Bangla Bank PLC
Climate Impact & Sustainability Data (2022, 2023)
Reporting Period: 2022
Environmental Metrics
ESG Focus Areas
- Education
- Healthcare
- Environmental Sustainability
- Financial Inclusion
- Community Development
Environmental Achievements
- 32 branches partially powered by solar energy
- Reduced paper and stationary consumption through digitalization
- Implemented Green Office Guidelines for efficient resource use
Social Achievements
- Largest private sector scholarship program benefiting 63,301 students
- Smile Brighter program providing free cleft lip/palate surgeries
- Drishti program conducting free cataract surgeries
- Significant community investment (Tk 693.1 million in 2022)
Governance Achievements
- Compliance with Bangladesh Bank and BSEC corporate governance guidelines
- Two independent directors on the Board
- Active Board committees (Executive, Audit, Risk Management)
Climate Goals & Targets
Environmental Challenges
- Increase in Non-Performing Loans (NPLs)
- Fierce competition in the banking market
- Potential risks from global economic uncertainty (Russia-Ukraine war, inflation)
- Maintaining adequate liquidity
- Managing operational risks
- Cost of fund
- Cost-income ratio
Mitigation Strategies
- Intensified monitoring of borrowers and recovery efforts
- Improved customer service and value-added products
- Strengthened risk management systems
- Prudent asset-liability management
- Diversified lending portfolio
- Rationalized operating costs
- Diversified sources of income
- Upgraded software and IT infrastructure
- Maintaining adequate capital and capital adequacy ratio
Supply Chain Management
Climate-Related Risks & Opportunities
Physical Risks
- Natural disasters (floods, cyclones)
Opportunities
- Green financing
Reporting Standards
Frameworks Used: Bangladesh Bank guidelines, International Accounting Standards (IAS), International Financial Reporting Standards (IFRS), Bangladesh Securities & Exchange Commission rules
Third-party Assurance: A. Qasem & Co., Chartered Accountants
Reporting Period: 2023
Environmental Metrics
ESG Focus Areas
- Education
- Healthcare
- Environmental Sustainability
- Financial Inclusion
- Corporate Social Responsibility (CSR)
Environmental Achievements
- 32 branches partially powered by solar energy
- Centralization of credit operations reduced paper consumption
- Financing of environment-friendly projects (ETP, solar, automatic brick manufacturing)
Social Achievements
- Largest private sector scholarship program in Bangladesh (10,000 students annually)
- Smile Brighter program for cleft-lip/palate surgery
- Cataract operation program for visually impaired
- Taka 937.4 million contributed to social cause programs in 2023
Governance Achievements
- Compliance with Bangladesh Bank and BSEC corporate governance guidelines
- Two independent directors on the board
- Active board of directors playing a key role in setting governance standards
Climate Goals & Targets
Environmental Challenges
- High non-performing loans (NPLs)
- High inflation
- Exchange rate pressure on the Bangladesh Taka (BDT)
- Global economic uncertainties (Russia-Ukraine war, etc.)
- Liquidity constraints within the banking sector
Mitigation Strategies
- Improved asset quality through focusing on best clients
- Diversification of loan portfolio
- Monetary tightening measures (policy rate hikes, removal of lending rate cap)
- Foreign currency sales to ease exchange rate pressure
- Measures to discourage less-necessary imports
- Strengthened oversight of foreign exchange dealings