&{<rtqfr(fteTnr

Green Banking policy

BDBL
EtqE[r$i".t rursq"rTq6 <]Tqe &s
.',rsF {Bn stffiQ{ <fi&r-s <rTc+
 <l<ql-rq-ricgt-wqrri <]1...o fr s
E9ffiq-ctalr
ffio qEfrflrifutffi
qfuc
fr"rs Etr E i?F rrc< efto qq<iq qfr<64 r<ocx qrEtfts erft frla r {tft E-st qrq' q<(
qera1.q qfrr<fino qrq r <-rr:rlrq qffil{< 6q ,jffi lirq q 1as q{ql1? r <r<-qf-ElfiruT< WE
c,zprFq €<( @ctr]s Frgmt"K ecq Bs{rr, qk<"€<. ftq"rq, q4frcq t+.Bo w"trn< <rrqk, Efr
€ 4n <i<Er<. NI'rfr-fl{ tilfr ofurs (+cT ft(frr rr< Es"flfis q<( <]T{sc{ tfeW ft qtBt

'rT-?r< sjT(ci ?<iFi+

Eresr ({rcTe q<( sRqirs qr<r Wv <lvr< <ce ffiaqsftq flqtfis r ql< et
?<ftm GRsr $E *.+t ffif,-o n14n6 s-{ fr@ r {itft-< frcrc ftrs <ln, .kr, qe1E, {{a9 .r<r
ofrcorq< qi?,Tt ,!<( fi-f- 1fr "mq I Es<cr-+, EFF"lc{tr, tE qRV q<R, ql]q qqE<l(.I T{..p= Fs
qrq rrtrp qTE€fb stcs s<p 6me r {1< a-6q 6ffi fu.ca ffi<1, TR,*, ffi q'"rq, 9ft s<(

ra< ffi qro en'r< qAr};r

etrE 6rc.r< e]d-qrulks BI{cq <l]{h( fiEr<< fr"fE CFrol <rTrrq r <fi'..ftr c,Tfu Fiq, sF,
<J-<cr-<fM €<( q{r;]l q'{?afto sfutcg ftfrffi'r-< q<-rcr sqtnfu-o <rd{rc q5q c{c{ Effi(q I

"1-.rrffi "rkc<.1 fiq{G6 rtfl.s ftu< qre r "tkr<*i fi$(-s c{k(-?t $TtcE ,l "farfore <fi< qrr 'frq
qrrfir' ifu $aq .i?rl qrc.K ffi qcl ril&rrrq r <tlt+ {kEtfr\5 sqtqfus reldqr crq{- Eqnq{,
cril]Il sfrrrc< lfrs c[E I wd]frm, qfi(s roF"fifterqt oqT w"tffiustr<
{l{IE elfrmri
"-JTql.
fiTre., 'BFr e<( Q<I.! q*tfr< <r<srra{ sro et rya-q {Rq< lrbG {E q(P r q Flrc"t €qrol
q<qn< frs<r-il Es-:It BfrE r qfrr<*r<ts< <fiqo c€fiIllq frCsrm< qslgftq {k(<r.r< B'd{{ €<r< ql

4lcar qftal ${s q<(q-{]ql flBsrqrss tkmr-r< {G {rs" qs" $stfts c+c< r

<t(Elch-.I offi er:qfao Errilfl ef<q cq-l r frt qq<E {ffi{ <t(qlrqri u<-q efq< (s{(s., r]<

ffi
siei q1ft.r ecs tc< r vtt qlcs fi{s"rotft $&tIq aqslm'i <r(s {trI {r<
rird (rE-{ >r<665gr
6caI <nf+q (rTl w<lrsE Tl{l q<( "tkm"i ftt'ft a{lm< q+l q't{6lfr-s ,aq'.. $fiffilEslrq '&{
<ir<ft!,' ET< c<aQ G"rgs qxir r $fq <il(fts.ftfrqlqk {l Eq'l q(q s

. Envirorrmental Risk Managenrent (ERM)- q< qqI( "r{ s<( FBffili

w{T{q s-c. 'rRr{rmr< <r<4t-<Ifqq-r e<(FirF qdfs'fl{ lIwr "tfuTt rs 1t{ ffi
-EIc F<l i €<(

o "fk:+{ fr"i"{ .uft 6<ft{<r qlirl(I eftElaa q.s-sj

{h q<t ,
 q Er(1sl <T(Et[t tr I(o Environmental Risk Management (ERM) -e< Bt< qsB
cT{El< qlfr s-6< (BRPD Circular No. 01, 30 January. 2011) r <qt91, Policy Guidelines

Iror Green Banliing (rlRPD Circular No.02, 27 February,2011)- q< :r]'ilrt EFFrfil
<ll(4erqrcs to5), \o)\ ri<( io)e clffi{ Tc$ sE ortrsl &q <l<lh< ft&atqf <]s<l-s'ffi< q{r

itn ei*;a1 3ETa oC{cE

frs qqsftq "ifrr{.r <I{qlq{r Elq, "tkr+.loq-{ qdEr4, "iftrc<t

<t14trF.I cr'csq?i[Td <llco

<rqi< "1ql :fa6, qkr<.mr.r< .tt{ ?"F a-str +tfur $Scf< {t{lfl ftq strftr DI{ Trn {fu

Tr-srir a+q1cf q<ql{ Tl1T.o-

gllcn I

Environmental Risk Managernent (ERM) q<( Green Banking Policy wffi

aFrc<l Flfl ar6:6{srarc+ qtf{-$ q'slssi el.lq e<( R"nqrq Frnq<"miln u-{B Tq'srl {qll TlrE qq
<-a(4 'ir{rfl<c"r <T{Stfr q-"i.6 ftFrs cc{ "rqG"i qqt F{r< I <J(etch-l o11*6fi fi|.(trffiX{]-A

ERM csm k-+:nraqn-r- qiel1er< qsq6 { ftq,\'F q{r

'eE
csF frs fte{rql q{$ft {?"fifrs
{(< I n(q-< snrss|il {Fis.li f+q om"nqf{ <6 "fkcr.ntrq $t "qq
:rq"ffG q]nfifrcs qdmE a
sEli c{rar< ia{qfu qqr{ 65 E(< Ftq effiE sqrrsr+< r!"ce fi G ft ee- q< Strategic Priority-
€< qarsE qt,-i qrq c qfu-<-Rm< Ftq rs{{- {<ts{Isl'B .tfu, <6 tfirtlrq aE, e$ fi-6 Fta ,i<<

tfu {f:ift, qE, FT,i{ ficr<q B"t({tft glfu< <iq+< fifus <A I fev<fKrr
Tdnar eTE st q]sTft

furr< qtests ffi, al<I'Bt-c, <sfi {frr.ilfi stB e<( nMrn $Tf,{ fis{aq rqrc}K ftqril

I ll,bride Hofiman Kiln (HHK) qa161 q1fu a*1-g arn qpn-q qdtx-q s-fl qr< I

<t(qlc[i <fi(s CSR <T rffiT r-ffi< E"r< cs crftE ftftT1fl qq-s{sl-<rq, ftffisq cc

'qrer$ erBftfuTFTl eqxrl TI<rq l<I(s qIftEII{t<v-{3r6q &fl<ftrq, fto 1frr{{ rg qNfr-a

Ew<hq{q+ fiiGq qfril IT qTI q<( 1ftr{ iTslcd tfr<ltro i5r<qr{ <t{(s "llc< L

<l(Ercq-{ <itso FrcfFrE mQq-r. q< sIffi qq<rq fr fu fi eq- c< $f{ TJI(ft( ft&Tlql
r<i c< 5d.iefls or5rc{l }6ft s'-$ ec-nrq, !1 firqq e

) I fteltel q'ls-{ s qfrfi-fi

i-n <r<f+q ftfuqet qqaa ,4<( Et <ts{-rrr+< qm,r "F{rn< qTCqE-{ €Rq T-f,F qc< r <salrqq

s-+fi-ft ilqr€n eqcq +{q nq-ql q{-{r{ esE tsb.trsl q-"6 rffi
efrF "t5q o-+co
qc< s<( s
<ns{6i fr{ Trl"fr( ftG, rd"n €<q etks'flql "l(ralD-{I{ q{] qTRgqle cC<-{ r <Isrq{ qlfrs <ffi
e-1n <r(ftR. q< qlr q{cri;,-o flfte .,-qfiq T<lq +<rcs qr< r s qlg, afiqrq< frRs< efrftEEs
.frzs< s€q{-r?F qtrTq Fr< rB(T-{{qr$ u+fr tBffi seFd cq-q uf5=q q{cs qr<
1er+,fi1 <rtiftq r
.!t crq qal<r EBfrci< afrrg Erq <rTiro< &E <ltsftr qq@rw FF(Fq rft$q{'f, qfruFrqr ,a<<

f{n-?rl s-fl r eE ccE fta Ensft( +.Ffu{ r-116 Emmst q-q aftfure {rct {:Rr s.trr< o|{.cq
=r<fts o-+c< r

a. | {lEfrfr-{ "tRr<'tft&q.lfi' .

rfiI<rrR qrq frftusfr<:l*lfu ftftd q",.rdmitq. C{F< / ei{IE $"j $nlcffi fifrce qnfrf ffi
F{rc qr-< qrr<q-{,.r,E qsfler{l
s6Er;r EC-n s rft ftnr $Tfi(r{fr
e<( cstR),Tfr "uat< ,}NvT
Ft6, a<nor<, <E (<i 6.,11.,*14 Fn, rrs q<( sl'iq, ;r{l]wc{I il -ifu/qfqTft, ffi e<( frfdsAs Wfh,

'F ffi.r w{shrfl, Ed"n e<( <rs< Frq, <r.rr{ Flq ({K, fft-{pis ,l<r ,brt Fro;, il<k
e<( q<(

flFils Frd, Etc"flen / ffio, ?D lsft, qntq stqt Frfl ffi r

e I qfu<+<fr<dtq{EetR-f,mdl EqT{
s6fr {isr€{ qQE q.ry sr6r+< sFtr .frt.rns "lfroifl{k l]i[z\ qftr+:I <IT< Esrqx fif<q q<t
$Brq, r qkr+"rflcR trir-q qqrt.{ e<( wsJsftq {ft(ni <I{t"m E}T< qI] C<lftR q{fu'fi ffil
e<< rdtte fi,fmq c<rs ji:<, q {iqrg3l <|frs qfurql q<( €rxT{RF eroFrc qc< r qqo?q
",ftr-<-i<l<{"i{lT ffiI{-{cTrl, ql-qlfu <r<'{-< q<( q$? }mal frW\ q<( cqd]IE-< <I{{l-<*Elq,
'fflrr
.Ar.ra]Eq ry-rr fi8{<"I*q]q, q-1*ftmt< eDq{, ntrqdfr.s <l<tn frE qql{,
Tl"lrgist {J<qF\qpr,

"fic<'t <1q-< sftnl wa;r e'\rifi-i Elfiq qt-qTft rTg-ft <1Eqf €fqq $1K Eai]-q{< qdq qO w< r

4in-.i<Tq< ftrq qdlxc{< cwce flRr<"Hq-< qTfafu 1qr quq;r q<( {ka-<l*I< q-{r s&s< Fftq
'qqtlrq*{c or< 6sli ikq-?r r,T(*l Rccm qkcfl-<Ir{ Frrg sqflgrq-< Er< qvrc E[< r 6F qqflrc+< wql
gm:fc{il'il p6p B

. ft{ qE-rB ,r<<

fiq +1?silfr( ,c< S{6r
zrn.,,rc< qdErffi{ m-co qkc+.roin< <lt-+cfjro +l1fur q<( qrffi {rSft Fteer* s_ltli-+m

'lIC< I Cqle]<
eBl(iq €<( ETP qE q{,f{r flRr{{ {q|s$ esqsrflI\5 qd1.g6q
"fqrsq fiIg
{r< r NIs.r1I6I TlrtiF.E< !'l{tr{ SRsrE< :rc$ qRr<.r {6rcrq 1fr o-<cu qr{ I ( El-gl,
licsre fiF-cqs qdt:n e<l cs,s qlrn s

l:t E"rqfrr vrero 1fi,,< {rG-<

qfl{F fi:fiq, crn-< fus Effrio "flfr< "fi-i, <qjx{ ffi flTrq
qdllrq;

(l) s(ql I<q-s eFflai l(E qdt]a mrq-aaqlsE;l qRE ,"ir-j (Salinity tolerance crops)
Bqenm, qflltFfiq +m (Water tolerance crops ) Bsml,
EE"ffre ffi qqqn-<<
El{rcl {<l ,rRE -rry (Drought tolerance crops ) Bsoltn4, ?q< {E <t<"q-<, <lql-sfr-s
qF .e At-{Flr€{ 'tRr<d h-< W< s erof'rre qqG s<+< T1T c{i't{tqti qr{ rms ffi
-<tq
lEffd }ctp, 1,'c, .
v
1o) fisn ffi rrE<q eff,s, Flt{ s <-eft fiqf.ir A-ofl, <tmt'ilc' dt, 'rei< qt<
Eqeitnq sfrg
ffi qfrK{- <tT<Qo.tqqdFrq;
) qfu{< / $Nrri< EI-{]fi {Sft frr"N sI? CNG-I\5 <qls-flts ffi
(8 crs ?rct $h't{ ; €<i
(a) ETP <| "ifu a<wtotft wl eFsqGflr\, -i-fl 1cn qrq eF|{ I

8 I qfrT<,f<E<gts ql"f{

"ifb+"r+m<6t qc< q:+a eoft$re 6qql6frC$g' filfft l<Fqlfr qlft< t

a frr+< qrrqr< "r{ls <lEqI< ;

a qa-qtEr Tflsftq TJ-aE|< ,

a I_{lir{c{Il1 qmfi-< <r<O< ;
a ft5rs s qrffi xrCft <r& s l-qttG <r<qk .

O
"[fi:< rn <;q{F ; q<(
a 1as"tffi<s "irfrn <r<eR
<fl(m< qs"l (sF slft ,fu src Rqn< GRo qm I <l,sqIfi-i aflqa s\fo sq6afis qsR'l r'ft"kI'
f+c-rs mrrn Trir{K s-fl <ir< 1

c I q-slsft.t
"tfrcr.l<Kqlq-dkE-dT{
ilifl'r{ Er,fl-cilFlE ryut $< B"r< cqr< cq-st q@ {rc ql{ffi< qfuff{ +& orq qlrq r <iT(ftr
Frfu{ qfr}Tfi Tj-T *ctc cr<( qkrd{ {sF 6 6 6 qq s\fo qmfr ct:Er< "n tqTft "llfr,
q-sr-saq

oT'iq, qfr>r|<rfi1eci-< E;GT {rn sfir{l-q fu't ${"f 6-{t qc-qce r qslsftq qkpi <1qEI,FT qT(<l
E-X-:mr<ocri <nro +6+ f+cms fi(5Fq SsclF-fl cr(E ellf,< s

a.) | $r-Elt{<lRft( <KqtstTqd.t

wq--R{ strft( safTs ti,lflcdt <l <il(rs'{ fi-qt fiErqq' €r:rTrr,E! <r<{t;c{ qtfi{ el{sfi-{ro fr&T
crd Sqf{ F<t I $qs 1.t]]., qq-Ai{ Tfisf+(-qi !'l{rq qnq blsl wt e &sf"r+, p" q6sXq ffi
fi<fqC C'<q s E \tqFl {ICal $-{Cs "llc."r, q ftftE S-?r(9 qr{ I qfrC{"RIq'{ $(erm <I{{ICi ql$a
q6i ec< I <It(rq< gffi *nqa \fl{fr-s cot< {t(foe. {Q€{|C-fi $$({ qdt cr{lr<b slEffi ftn
<ra{F +-rrq qsfr-r$ cmr +l'ftq< <r+fi 6TG{ q-{firc wq-{e i.lur< I FTrlq s qHft q"tuq *qM,
<fiq fia{<q*qtq, {gct € q-s .-E1-crB $q-rfl qr-s]t{ <I(ftq {{ q{cq qRr{"i <TIrd RfuEs
"l<rE

Yfr+t <l.Rs ";ft< r

c
r
a.a. I &{ ctBq 'Rtc' ffti{<'t.Rlc-f,{'l
q< qft'c+s q(E. I q EMs ftE'q
AIq {Eq ,mq'ffiqfr m<r[ qr4fi <s fi'fu q{ {r< FrE €(qF
sqofl.qr '!<( <lqqr{ 'q<( qfr-{.1<-s|qc[d llEHls q< q-{ "lr$Fsl.r<
ffiffi <I{{<, st"lq, TttE"rcq<
ffi I qVIFFKxTs<F-EI$q"ls.<t (T(s 'il6< 3
"ifu<d<sfu
{ rrsl$ls qgco fr&s r{Ttr<ft( a1 ffi
qqpffil q<
. qfuq<-stsrm q{q
<IT{Ki
. sE ft tsI{, sar< tqfaq f{oq Rcqm <r<qf< ;
<1\9Js[e ?mE <l]T(o
q{e qqlElcs rq-{q' \otrm
. &r qlEs rmc ftsc-<q sfl(s (s x< sfuqF <] $Frq-<
qai sr<Tr <rrt{ aEE{ \
q"ld .s]ifi sTrqB'W't {t{qR ; s<(
. frq qtBe lilm< lIqI $ffio Es-{.]q
. qkr<-t <t1(d CSR q< q(tl RcTr< <lto It c'l"rq' cfrq( c]fl' affinq<
q(E\g-{q {h< $(sei oRq I

6.e 1 ftni's'tfu i qffi( <rT{1R

qt-fifr
qffi ElI!, TTli', qRB FEfi, w{.Fl mFrq 5larc ftqrq-ifu arqF 4L< efffr frqs'tfu
1
tg

fifiir <ItF {.\9'S fic{lst fficsq gqci s-{1 c{[s fl]cl t

ffi
. qffift ?KE sq-cs qrit, +.lrq, eIi, FflWK, +ffilnm' c{rslnE fisfu' hAT<
qr< | {.l(fuTsf6{ <fr q$3lf{ Er-'{l 4q< {r{
<l<c1r<< fl< <-{ <.], q|{eH <FlF
ry"f
?rdfr-s cffir<<raqr< ;
. oTllf,sfu{dr< <lT{R-<< cT,re c'a{fi( <KEl W ;

o qT{Kt <rla< itr<6ft{Jqqldfr Wft{B <ls <r€R ; €<(

qt"l{ sr< ffi{ frws r'Tqr{ cfls
. {fi(rq< f,rr{Fl LC<( $re sfrtry< R1cq ccle.K "R.lr{q
qfl4fi q(E I
{c<, {(s imfrs frWr*< G?F EIq

a.8 I Tttlrw< <r<qB

(sfr qrfffu gfu$t{ RsrBI s1llr{ fr"Io "rfrwr"r TI'M <r{qs qr I dtcq{ TJT{< 4I]Io 4l(4
il"as
T...'s FrEfrifrs qq65"1 3l-qt F{l c{cs 'llc< 3
. offirr< qffi qq<q'cl
trrqG( q<(TRfr(6(< {q{ ;

. idffi",. (K uq'(tr tr$ITt <lq$n t

o elalcq< Es-s dm {St ,s<( qB $cxfqft{ (Frq eI TIaM <I€l< ;

. rqtt "ms Rc"rc< <1Ge duM {f{qK ;

r sltf,s{ oT qr< fu+a R6qI< i@Frs rEF, vc{T c!t{ q<(l-ntE <I{{F ;

Trq{F Tqlc{ ${
. rs&i 6!:{ qdtmfi +,G fr'Iq qfrTr{ Tltirq< ;

. +:fficnli-+]rqsl<<i<cR3Eq>flfuc<q ; q<i
. B{t, qlr(:rq q<({Sl-{o1r'z{rAtq3e-r$ffi fiT{ I

v
a.a I (qi <I{ql"r{t
?jds<r-T{R s<( T{s g&.-xtqlEFr6"1< {]{tc{ qT{I s6'{ q<( csqfu{ <cfr< qRm T{fto efiR I qq<
<6 qfr +qrcqt Ts< qt *r Er<, qer-el< {t <leqt"rll q<( fra.q.cq iq-< frcs qc< r

. ffi q-eqr,,i.qf B$cq< q{l agk{ S,r<ffi q<( qlfiReli4tfr{ cr{lF <I<fi fifus
ffrc qr< i

. fu:rc"ffcsnE o'l/dfc <K$< *Qtn +rco q54 ; qlq

o c{:rt6{ frEftfr"irrq ffiF( ett <mrq, c{{Ic{ sl'lq, +TE, ?IRs, &rrq ffi
"IqcgfuTtqls F{N {r< r

a.s | ffiTr<qf<
<niro "nfr< ftfts <r<qr< qcs qlrs I E{s qqq <s]q rf66m q-6us{
<-1".re "nft <fqqf< I

o €$:l F{ <t tmni <raqtr+< "R ffi< F{ $cs q-t{ aq < c{cE[6E (rlTf{ (l{(g qr< ;

o Fl-i 6F$ -.F{(g qr< i q<(

o tgr slttn flq ffi ft$ft {G qir<rq{s-{cs {c-< |

s I ERM llt$]e s Aqs slq{ E.t{-{

Fi6 +q e uefu qe<r st"i< gtt1vi|*ro, noft aotrr+< wql qsB 'Environment Risk
s
Management' Tn-{n'l"r € tRs qRi <i(F F\E eclirq q<( El' "tR"ffi{ $3t(E qr{ q SM, Ti(4
ftllqlq qftT{ cfiat {rqqc] mrq sTEsflfrT v]r< €f{cl({l'B {frr<{nE {r{q-s eEq <i-N qlr< r

qrqrcs qkc{.rElq<
'fT(5Fq Eqq <]T(ssIEk \-({] csTEqlq li{qIt qr<{, q efrrqTF1EEE-s {frfl\e
Eqrd F<r< ,ffuT.f<lT{ <l{ql B-drr{< 6t6$l Trl(Ferql-d frcsrrr< xql ffi-{fi {6s q<( qFmqs
tkc<"nrr< Mm Eqrrn {st{Et q<r<

q I dlss cl'Es{el lfr-+<+

S|{s qr( <r<-qt fl&$f{'orEl crq {Rr{"l<ltr{ Gra rtxq q<( c-'lcq-< $ <i<Ar< {oE;r q{, c{q-{
smr=Ero Gs{frs (<( e-\rtRs $<rco qr< r fr G fr qq ql dtqsm{ {6rq{sl
$arq $ff$F sfffi<
Srrrlq dqq q<r< r

E | "tfr',r<-r{lq'{Tf i$rq<B'r<{er{Cqffi{
fr fu ft eq "lkcd.Rm: $Ii6N{ q6s qmql, <\r<n.]q srr(c{ q<q sRsle, qkqgI} <I 'iqcFcaf{
t"m +ftlr e<( F{ir? zfuqnq $fi{ q<c{ r {rr(s q<( qeqt{ fl|{srr{ ffir<.FIT{ qldor e<(
aprqr< ffis frs Eftr<EC{ q6t i6rrs Er<

------o------ Z*+:IPN
'6fiwrnJ*
E { og f.r,rt l,
"*\ ftTr."Y/'l
\e1'\ _ ,.-'.: '
\l+',1:,,.,..-7