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THE ENVIRONMENTAL MANAGEMENT SYSTEM

Protecting the environment and ensuring that the economic development supported by the ProCredit institutions is as environmentally and socially sustainable as possible is a central component of ProCredit’s group-wide development mission. Every ProCredit institution has set high standards regarding the environmental impact of its operations.
In 2011, the group established a standard set of “Group Guidelines for Environmental Management”,introducing a comprehensive three-pronged approach to tackling environmental challenges, collectively referred to as the Environmental Management System.
The Environmental Management System implemented by ProCredit group of the following three pillars:Internal environmental management, Management of the environmental and social risk of lending and Green finance/green lending

Management statement

Pillar 1: Internal Environmental Management
This pillar relates to all in-house measures taken to reduce the banks’ environmental impact. This includes widespread awareness-raising and training efforts, as well as branch and head office design. Energy efficiency and green issues are now a central part of Academy courses at the ProCredit academies. ProCredit branch staff often carries out neighbourhood activities to improve the environment; for example, they clean up public spaces and recreational areas, plant trees and provide resources to improve parks and playgrounds.

Pillar 2: Management of environmental risk in lending
The goal of this pillar is to reduce the external impact caused by the banks’ lending activities. This includes assessment and monitoring of the environmental risk of a client’s business, and rejecting loan applications that are harmful to the environment.

Pillar 3: Eco finance / eco loans for enterprises
This pillar aims at improving the banks’ external environmental performance by offering special credit lines for investment in energy efficiency, renewable energies and other environmentally-related activities. Many of the group’s home improvement and business loans are used to finance the acquisition of modern emission-reducing technologies, the construction of energy-efficient buildings, and other investments which have a positive impact on the environment. Most banks now offer “eco” or “energy efficiency” loans and we see significant new business potential in this area.
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In 2012, ProCredit Bank Bosnia and Herzegovina has approved Environmental Management Policy and has fully adopted the group’s Environmental Management System. The Bank has been continously improving its environmental performance. In doing so, ProCredit Bank Bosnia and Herzegovina has played, and is continuing to play an important role, in raising environmental awareness among staff, clients and the public in general.

1.1. Pillar 1: Internal Environmental Management

ProCredit Bank Bosnia and Herzegovina is adopting an approach to better understand and improve the sustainability of its own energy use and environmental impact. As part of this effort, the Bank has implemented in-house energy and resource efficiency measures which apply to both technology and behaviour. The Bank takes a systematic approach to informing staff about energy efficiency and renewable energy. In addition, employees are kept informed about relevant environmental issues, plans on measures to be taken to increase the efficient use of energy and resources, as well as results of actions and activities undertaken via intranet and e-mail.
Since 2012 the Bank has collected  data on Bank’s energy, water, fuel and material consumption as well as CO2 emissions resulting from energy consumption.
Examples of measures taken by ProCredit Bank to make its internal activities more environmentally-friendly:

  • Energy efficient air-conditioning devices in server and telecommunication rooms;
  • New servers-reduction of number and electricity consumption of existing servers;
  • Pellet heating boilers;
  • Energy star labelled new printing system with central monitoring;
  • Three light boxes illuminated with LED lights.
  • Turning off the monitors, printers and copy machines after working hours;
  • Switching off the unnecessary lighting;
  • Paper recycling;
  • Optimal usage of the heating and air-conditioning system; etc.

1.2. Pillar 2: Management of environmental risk in lending
ProCredit Bank BiH implemented an environmental management system based on continuous assessment of the loan portfolio according to environmental criteria, an in-depth analysis of all economic activities which potentially involve environmental risks, and the rejection of loan applications from enterprises engaged in activities which are deemed environmentally hazardous and appear on our institution’s exclusion list. By incorporating environmental issues into the loan approval process, ProCredit Bank is also able to raise its clients’ overall level of environmental awareness. ProCredit Bank has compiled a list of activities which have a negative impact on the natural environment and our society. Loan applications from enterprises involved in activities that appear on our exclusion list will be rejected. For the full Exclusion list, please click here.

1.3. Pillar 3: Eco finance / eco loans for enterprises
ProCredit Bank Bosnia and Herzegovina introduced green loans in 2012. The main goal was to introduce the loans suitable for business clients and offer them standardised green loans for investing in energy efficiency measures, usage of renewable energy resources or environmentally friendly measures. The green loans are offered to all business client segments, as well as to the agriculture.

Eco Loans for Enterprises are supporting the efforts of small and medium-sized enterprises in the development of environmentally-friendly and socially-responsible businesses. Because these investments are not only aimed at developing a business, but also address the environmental problems we face today, eco loans are offered at preferential conditions.
We have also developed a special methodology to assess the environmental impact of a business’ activities.
Eligible green investment projects are classified into three major categories:
1. Energy efficiency – Projects that reduce energy consumption while maintaining or improving production capacity: 

  • Various types of highly-efficient production machinery and equipment – CNC machines (lathes, cutters, etc.), conveyor production lines, presses, painting chambers, driers, furnaces, ovens, etc.
  • Heating, ventilation, cooling, and light systems – highly-efficient boilers and heaters, air conditioning systems, refrigerators and freezers, centralised ventilation systems, LED light and highly-efficient luminescent lamps, light control systems, biomass boilers, etc.
  • Improvements in the insulation and windows of buildings – new windows, new or additional insulation
  • Agricultural equipment – tractor units, tractors, combines, drip irrigation systems, sprayers, etc.

2. Renewable energy – generate and/or consume energy resources that are inexhaustible or that can be restored quickly:

  • Solar panels to heat water for home or businesses
  • Thermo pumps and complete geothermal energy solutions for heating and cooling applications
  • Energy production systems that use biomass and biogas
  • Water turbines
  • Photovoltaic panels
  • Wind turbine generators (WTGs)

3. Measures of beneficial environmental impact

  • Transport –fuel efficient vehicles for business purposes
  • Equipment and installations for water, air and soil protection
  • Recycling and waste management – enterprises in this field can apply for loans to finance working capital needs.
  • Organic agriculture – measures can also include financing certification costs.
  • Residual material treatment facilities – filters, water treatment installations, manure storage facilities, etc.
  • Costal and earth retaining measures, afforestation and re-cultivation of damaged areas, etc.
  • Implementation of building management systems and systems to manage the energy consumption in production processes.
  • Suppliers, auditors, and other parties providing services in this area can apply for loans to finance working capital for equipment and materials.

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