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?
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?
For Equity confirm application of Environmental and Social Procedures to the whole loan portfolio.
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?
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?
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 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
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
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
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 http://www.ebrd.com?
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
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?
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?
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?
Another IFI/Donor organisation or training organisation? Please provide name of organisation.
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.
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
1.4.9 Does the FI require environmental and social due diligence training from the EBRD?
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)
1.6.2 Does the FI have any environmental polices or procedures for good environmental management in its own offices/buildings?