Annual Environmental & Social Report for Financial Institutions

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Annual Environmental & Social Report for Financial Institutions

Background on the Financial Institution

Name of Financial Institution:



Company authorized representative (e.g. Head of Credit Risk):

I certify that the data contained in this report completely and accurately represents operations during this reporting period.


Title: Date:

Contact Details




Date of Report: Reporting Period:

How many branches / outlets does the Institution have in the country?

  • 1

  • 2-10

  • 11-50

  • 51-100

  • >100

Does the Institution operate internationally?

  • Operates in more than one country

  • Operates only in this country

What is the name of the Institution at global/international/Parent company level?

Number of employees in country

  • <50

  • 51-100

  • 101-500

  • >500

Majority of company ownership

  • State ownership

  • Private ownership
    (in country)

  • Private
    (international) ownership

  • Listed on stock exchange

If your organisation is part of a larger Group please describe the nature of the delegated approval process for lending and investment. What is the maximum amount the network branches/subsidiaries can approve?

  • Not applicable

Is the network branch/subsidiary involved in co-financing/syndicated financing with the Group/owners in larger project financing or medium to long term corporate loans?

Is your institution involved in the due diligence at any stage?

  • Yes

  • Not applicable

  • If Yes does the local branch receive results of due diligence?

  • If Yes who undertakes monitoring of clients/borrowers in such cases?

  • Owner/Group or HQ of local bank or relevant network branches

If possible please provide contact details of the person responsible for environmental and social due diligence at Group/Parent company Headquarters.





Other IFIs / MDBs / Donors providing financing to the Institution

  • IFC

  • EIB

  • EU

  • World Bank

  • ADB

  • FMO


  • Other
    (please specify)

Nature of business relationship(s) with EBRD covered in this report


  • Loan

  • Equity

  • Fund

  • SME

  • MSME

  • TFP

  • Leasing

  • Mortgage

Section 1: Compliance with EBRD PR9: Financial Intermediaries

1.1 What is the name of the employee with primary overall responsibility for environmental and social matters within the Institution?





Did the Institution nominate this position of responsibility as a result of EBRD Requirements?

  • Yes

  • No

1.2 Breakdown of portfolio by type of transaction, industry sector and environmental and social risk classification.

1.2.1 Does the Institution finance any medium and high environmental risk clients according to EBRD’s environmental and social risk categorisation list?

  • Yes

  • No

1.2.2 Does the Institution develop an Environmental and Social Due Diligence Report for relevant transactions (i.e. those that are screened as medium or high environmental risk?

  • Yes

  • No

Attach a list of all medium and high environmental and social risk clients by loan size, transaction/loan type and industry sector

1.3 Financial Institution’s Environmental and Social due diligence and Monitoring Procedures

1.3.1 If the Institution did have Environmental and Social Procedures prior to the Agreement, have you improved them as a result of EBRD requirements?

For Equity confirm application of Environmental and Social Procedures to the whole loan portfolio.

  • Yes

  • No

1.3.2 Describe how environmental and social procedures have been integrated into the transaction approval process.

1.3.3 State any difficulties and/or constraints related to the implementation of the EBRD’s environmental and social procedures.

1.3.4 Confirm compliance with the EBRD’s Environmental and Social Exclusion and Referral Lists?

  • We can confirm compliance with the EBRD Environmental and Social Exclusion List

  • [No/ the following] transactions were rejected due to conflict with the Exclusion list

  • No transactions on the EBRD Referral List have been financed; or

  • The following transactions have been financed following approval from EBRD:

Monitoring of clients/borrowers activities

1.3.5 In the Legal Agreements with the Institution’s clients/borrowers, does the Institution specifically require the clients/borrowers to comply with local environmental and social regulations/standards?

  • Yes

  • No

1.3.6 Describe how the borrower’s environmental and social performance is monitored (e.g. site visit by bank staff; inspection by environmental/health authorities; copies of updated or renewed permits, reports from the borrower; other (please specify).

1.3.7 Do the Institution’s clients receive visits by local environment and labour regulatory authorities to monitor their environmental and social performance?

  • Most receive visits at least once per year

  • Most receive no visits

  • Some receive visits, but not frequently

1.3.8 Give details of any bad loans due to environmental, health, safety, labour or other social grounds

1.3.9 Give details of any transactions rejected on environmental, health, safety, labour or other social grounds

1.3.10 Give details of any material environmental and social issues associated with borrowers during the reporting period:

Any accidents/litigation/complaints
Any incidents of non-compliance with applicable environment, social and health and safety regulations and standards, such as fines, penalties or excess fees for non-compliance
Any incidents of non-compliance by borrowers with environmental and social covenants/conditionality imposed by the Bank

  • Yes/ No

  • Yes/ No

  • Yes/ No

Give details of any financial product lines or individual loans/investments/guarantees etc used to finance environmental and social improvements:

For example have you financed any of the following:
Energy efficiency measures

Renewable energy (specify which)

Waste minimisation

Switching to cleaner technology

Sustainable fisheries, forestry or farming, organic farming

Environmental improvements enabling reduction of permit fees or fines (example: waste water treatment, air pollution abatement technology)

Occupational health and safety improvements

Social investments (e.g. hospitals, schools, public housing)

Products targeting women entrepreneurs/borrowers

Products promoting sustainable access to credit for disadvantaged or vulnerable groups (e.g. rural areas, low income groups)

Other (please specify

  • Yes/ No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

  • Yes/No

1.4 Environmental Capacity and Support

1.4.1 Who is dealing with environmental and social risk in your institution? (Tick any that apply - your arrangements will depend on your institution’s type of business and environmental and social risks (if any) associated with customers)

  • All lending/investment staff are expected to address any environmental and social risk as part of their normal processing of transactions

  • We have designated [ ] lending/investment staff to deal with any environmental and social issues arising in the context of transactions

  • Our staff refer any questions they may have on environmental/social risks to the environmental/sustainability department in our parent company

  • We have [ ] environmental/social expert(s) in-house to help credit/investment staff assess customers with high environmental or social risk

  • We do not have environmental/social experts in-house but we consult local external experts for advice, if required.

  • Other (please describe)

1.4.2 Is the institution familiar with the EBRD’s Environmental and Social Risk Management Manual (E-manual) which is downloadable from EBRD web-site

  • Yes, all operating staff are familiar with the EBRD E-manual and have access to it when carrying out their work

  • The staff to whom environmental and social risk management has been delegated are familiar with the E-manual

  • Not familiar

1.4.3 If the Institution has received the E-manual, or downloaded it from EBRD’s web-site, has the Institution incorporated the environmental and social components into its appraisals of clients?

  • Yes

  • No

1.4.4 Which aspects of the E-manual are most useful to your institution?
Are there any areas in the manual which could be improved upon to assist your institution?
Have there been any problems with the information provided in the E-manual or any technical difficulties in using the manual?

  • Yes /No - If yes please describe?

  • Yes /No

1.4.5 Did investment / operating staff receive environmental and social training during the reporting period?

  • Yes, all operating staff in all branches received environmental training

  • Only a few staff, including the person with overall responsibility for environmental and social risk management.

  • No training was provided

1.4.6 Who provided the environmental training?

  • EBRD

  • Another IFI/Donor organisation or training organisation? Please provide name of organisation.

  • In-house training provided by the Institution

  • When was the last training provided? insert dates(s)

1.4.7 Was there an Environmental and Social Management Plan (ESMP) agreed upon following the training?
If the ESMP has been updated during the reporting period please attach the updated version of the ESMP to this document.

  • Yes

  • No

1.4.8 How does the FI ensure that training is disseminated within the Institution by those with responsibility for the environment so that all relevant staff have the necessary capabilities to implement the environmental and social procedures?

  • Yes, to all relevant staff

  • Yes, we have a bank-wide training programme for employees and environmental and social issues are covered

  • No

1.4.9 Does the FI require environmental and social due diligence training from the EBRD?

  • Yes

  • No

1.5 Stakeholder Engagement

1.5.1 Is there a point of contact for dealing with public enquiries and concerns related to environmental and social matters?





1.5.2 How many complaints or grievances did the Institution receive from members of the public or civil society organisations during the reporting period? Summarise any issues raised in the complaints or grievances and explain how they were resolved:

1.5.3 Does the institution include in its Annual Report or other public report any information on how it addresses environmental and social issues in its business?

1.5.4 Please summarise any information provided to members of the public and other stakeholders during the report period relating to environmental, social or safety issues:

1.6 Best Practice

1.6.1 Has the FI signed any national or international agreements or declarations concerning environmental and social issues? (e.g. United Nations Statement by Banks on Environment and Sustainable Development or The Equator Principles)

  • Yes

  • No

1.6.2 Does the FI have any environmental polices or procedures for good environmental management in its own offices/buildings?

1.6.3. Does the FI apply its environmental and social policies/procedures to business lines not supported by EBRD?

  • Yes

  • No

  • If Yes, please describe


ADB – Asian Development Bank

EBRD – European Bank for Reconstruction and Development

EIB – European Investment Bank

FMO – Netherlands Development Finance Company

IFC – International Finance Corporation

IFI – International Finance Institution

KFW/DEG – KFW Banking Group Germany Development Corporation

MDB – Multilateral Development Bank

Section 2: Compliance with EBRD’s PR2: Labour and Working Conditions

2.1 What is the name of the employee with primary overall responsibility for Human Resource Management in the Institution?





2.2 Human Resources Management

2.2.1 Have there been any changes to the following policies or terms and conditions during the reporting period:

  • Non-discrimination and equal opportunity policy

  • Employment of young persons under age 18

  • Wages (wage level, normal and overtime)

  • Overtime

  • Working hours

  • Grievance mechanism for workers

  • Union recognition or negotiation

  • Health & safety

Yes 

No 

If yes, please give details:

2.2.2 Does the company have policies and/or procedures for any of the following:

  • Gender equality

  • Equal pay for work of equal value

  • Anti-harassment/bullying

  • Promoting family friendly work and the work/life balance

Yes No 

Yes No 

Yes No 

Yes No 

If yes, please give details:

2.2.3 Were there any collective redundancies during the reporting period?

Yes 

No 

If yes, please describe the redundancy plan, including reasons for redundancies, number of workers involved, how they were selected, and consultation undertaken:

2.2.4 Are there any planned redundancies or additions to the workforce in the next year?

Yes 

No 

If yes, please describe the redundancy plan, including reasons for redundancies, number of workers involved, and selection and consultation process:

2.2.5 Have employees raised any grievances with the institution during the reporting period?

Yes 
No 

If yes, please state how many, summarise the issues raised in grievances (disaggregated by gender) and explain how the Institution has addressed them:

2.2.6 Have there been any strikes or other collective disputes related to labour and working conditions at the Institution in the reporting period?

Yes 

No 

If yes, please summarise nature of disputes and how they were resolved

2.2.7 Have there been any court cases related to labour issues during the reporting period?

Yes 

No 

If yes, please summarise the issues contested and outcome.

AESR for FI Feb 2010 Page

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