Pubali Sustainable Finance

Pubali Sustainable Finance
Managing Director & CEO

Message from

the Managing Director

The vast majority of our economy is not yet green and requires innovation and investment to get there. We focus on facilitating the transition to a more sustainable, resilient and inclusive future for our customers and the nation. We believe the transition must be people centric, assuring socio-economic growth that supports the wellbeing of the customers and communities we serve. This presents both opportunities and challenges in a dynamic and diverse region. We are developing innovative financing solutions to support our clients to overcome challenges and capitalize on opportunities the transition presents. The bank’s product offerings such as Term Loan under Direct Green Finance reflect our commitment to long-term green financing.

– Mohammad Ali, Managing Director
DMD & Chairman of SFC

Message from

the DMD & Chairman of Sustainable Finance Committee (SFC)

Our role as a financial intermediary gives us the responsibility to influence change at scale. With a vast branch network across the country, Pubali Bank is uniquely positioned to catalyze inclusive and sustainable development across urban and rural landscapes. We are committed to financing progress that respects planetary boundaries, supports people, and drives shared prosperity.

– MD. Esha, DMD & Chairman of SFC
POLICY & DISCLOSURES ANNUAL SUSTAINABILITY & CLIMATE REPORT PHOTO GALLERY
  • Sustainable Finance Policy
  • ESRM Guidelines
  • Waste Management Policy
  • CSR Policy
  • Gender Policy
  • Decarbonisation Policy
SUSTAINABILITY REPORT CLIMATE REPORT
1_AwardRecognition
The moment of receiving Top Sustainable Banks recognition (2024) from the Governor of Bangladesh Bank
Contact with Sustainable Finance Unit
sfu@pubalibankbd.com | greenbanking@pubalibankbd.com

AWARD & RECOGNITION

Sustainable Organogram
Sustainable Organogram
Sustainable Organogram

Our ESG Fundamentals

ESG Fundamentals
ESG Dataset 2024
ESG Dataset 2025

SDG aligned ESG

SDG aligned ESG

KEY SUSTAINABILITY HIGHLIGHTS AS ON 31/12/2024

Sustainable Organogram 2024

KEY SUSTAINABILITY HIGHLIGHTS AS ON 31/12/2025

Sustainable Organogram 2025

KEY SUSTAINABLE INITIATIVES

Key Focus Area
1. Remarkable Sustainable Portfolio
Pubali Bank maintains remarkable portfolio in Sustainable Finance category. As on 31.12.2025, 30% portfolio of total loans and advance of the Bank falls under Sustainable Finance.
2. Waste Management Policy
Pubali has published 'Waste Management Policy' for management of waste, where 3-R (Reduce, Reuse, Recycle) concept has been adopted.
3. Own-built Software
The Bank uses its own built Core Banking Solution (CBS) and the same is ISO/IEC 27001:2022 certified. All the Branches/subbranches/Islamic Banking Windows are connected under real time online network.
4. Paperless Transformation
Reduced, paperwork in all official correspondences including processing of loan proposals, digital PHRM system, virtual training, account opening with eKYC module, all type of customer needs, through PI Banking Apps.
5. Tree Plantation
Pubali Bank is committed to save the environment. In 2025, Pubali Bank planted 73,149 trees around the country, keeping special focus on coastal areas.
6. Finance in LEED-certified Factories
Financed in 53 LEED-certified factories and buildings up to 2025
7. Solar Power Adoption
By 2025, Pubali Bank has ensured 411 Branches out of 517 & 453 ATM/CRM out of 801 under solar connection i.e. 79% Branch & 57% ATM connected to solar power.
8. Comprehensive Carbon Accounting
Tracking Scope 1 & 2 emissions from operations and Scope 3 from financed portfolio.
9. Global Partnership in ESG
Pubali Bank is working on collaboration with global partnership like
  • a. JIM (Joint Impact Model) Foundation
  • b. PCAF (Partnership for Carbon Accounting Financials)
  • c. BII (British International Investment)
  • d. IFC (International Finance Corporation)
  • e. ADB (Asian Development Bank)
10. Green Logistics
Partnership with DHL Express Bangladesh to launch the GoGreen Plus Carbon Reduced Shipping Service. This collaboration supports Pubali in advancing its Net Zero Target through effectively mitigating its carbon footprint by utilizing SAF (Sustainable Aviation Fuel) for shipments, aligning with global sustainability goals.
11. Emission Targets
  • Scope 3: Sector-level targets on financed emissions.
  • Scope 1 & 2: Operational emissions reduction targets: 10% per employee by 2030.
12. Net-Zero Commitment
  • Target: Net-zero emissions by 2050.
  • Reporting: First-time adoption of IFRS S1 & S2 Sustainability Disclosure Standards in 2024.
13. Decarbonisation Policy
In align with UN Global Net zero target, Pubali Bank has adopted Board approved Decarbonisation Policy.
14. Rainwater Harvesting Center
  • To promote water conservation and climate resilience, Pubali Bank has established its 1st rainwater harvesting facilities at its Data Recovery Center in Uttara.
15. Dedicated Green Finance Loan Product
Pubali Bank introduces specialized Loan product “PUBALI DHORITRI” at concessional rate to promote Green Finance.
16. PCAF Signatory In 2025 Pubali Bank has officially become signatory of PCAF (Partnership for Carbon Accounting Financials (PCAF) & has been following the global PCAF standards to track its environmental impact as part of its broader sustainable finance and climate transition goals.

Click on the images below to explore our digital banking solutions:

FINANCIAL INCLUSION

LOAN ACCOUNTS
Year Total no. of Borrower Target (Fig. in crore) Disbursement (Fig. in crore) Achievement
Male Female Total
2024 (AS on 31.12.24) 259 28 287 6.00 6.37 106.17%
2023 (AS on 31.12.23) 223 19 242 3.00 5.34 178.00%
2022 (AS on 31.12.22) 106 15 121 3.00 1.592 53.06%
DEPOSIT ACCOUNTS
Deposit Accounts 2024

Financial Literacy

(Click here to know more)
FINANCIAL_INCLUSION_2025

GREEN FINANCE & SUSTAINABLE FINANCE PORTFOLIO

SF/GF Disbursement Target vs Achievement

Sustainable Organogram Sustainable Organogram

Alignment with the UN SDGs

Sustainable Organogram

SDGs Alignment and Sector-Wise Portfolio

Sustainable Organogram
Sustainable Frontier

GHG EMISSION HIGHLIGHTS AS ON 31/12/2024

GHG Emission Highlights 2024
GHG Emission Highlights 2025

NET ZERO TARGET FOR PUBALI BANK

Sustainable Organogram

GREEN FINANCE LOAN PRODUCT

Sustainable Organogram

List of Green products/ initiatives under PUBALI DHORITRI

89 Products across 14 Sectors

1. Renewable Energy
  • 1. Net Metering Rooftop Solar System
  • 2. Solar Grid
  • 3. Solar Park
  • 4. Solar Irrigation Pumping System
  • 5. Solar Photovoltaic (PV) Assembly/Manufacturing Plant
  • 6. Solar Water Heater Assembling/Manufacturing Plant
  • 7. Solar Home System
  • 8. Solar Pump for Drinking Water
  • 9. Solar Cooker Assembly/Manufacturing Plant
  • 10. Solar Air Heater & Cooling System Assembly/Manufacturing Plant
  • 11. Solar Powered Cold Storage
  • 12. Biogas Plants
  • 13. Integrated Cow Rearing with Bio-gas Plant
  • 14. Wind Power Plant
  • 15. Hydro Power Plant
  • 16. Portable Solar Charging Station
2. Energy & Resource Efficiency
  • 17. Installation of Energy Auditor Certified Machinery (boilers, automation, waste/water management, HR systems, etc.)
  • 18. Auto Sensor Power Switch Assembly Plant
  • 19. Energy Efficient Cook Stove Assembly Plant
  • 20. LED Bulb/Tube Manufacturing/Assembly Plant
  • 21. Energy Efficient Lime Kiln
  • 22. Improved Rice Parboiling System
3. Alternative Energy
  • 23. Pyrolysis Processed Oil/Bio-crude Oil/Bio Fuel Manufacturing Plant
  • 24. Lithium Battery Manufacturing Plant
4. Liquid Waste Management
  • 25. Biological ETP
  • 26. Combination of Biological & Chemical ETP
  • 27. Conversion of Chemical ETP into Hybrid ETP
  • 28. Central ETP
  • 29. Waste Water Treatment Plant
  • 30. Sewage Water Treatment Plant
5. Solid Waste Management
  • 31. Methane Recovery & Power Production from Municipal Waste
  • 32. Compost Production from Municipal Waste
  • 33. Hazardous Waste Management Unit/Plant
  • 34. Medical Waste Management Unit/Plant
  • 35. E-Waste Management Unit/Plant
  • 36. Sludge Management Unit/Plant
6. Circular Economy & Eco-Projects Financing
  • 37. PET Bottle Recycling Plant
  • 38. Plastic Waste Recycling Plant (PVC, PP, LDPE, HDPE, PS)
  • 39. Paper Recycling Plant
  • 40. Recyclable Bag Manufacturing Plant
  • 41. Polypropylene Thread & Bag Manufacturing Plant
  • 42. Battery Recycling Plant (Solar/Lead Acid/Lithium Ion)
  • 43. Recycling & Recyclable Goods Manufacturing Plant
  • 44. Biodegradable/Reusable/Compostable Items Manufacturing Plant
  • 45. Solar-powered Items Manufacturing Plant
  • 46. Eco-industrial Parks
  • 47. Jute Products Manufacturing Plant
7. Environment-Friendly Brick Production
  • 48. Compressed Block-Brick
  • 49. Foam Concrete Brick
  • 50. Eco-friendly Brick Kiln Efficiency Improvement (Tunnel Kiln, HHK, etc.)
8. Green Establishments
  • 51. Green Industry (Certified by SREDA, LEED, BREEAM, CASBEE, EDGE, GRIHA)
  • 52. Green Building (Certified by same authorities)
  • 53. Green Featured Buildings (Annex-1 characteristics)
  • 54. Factory Environment & Safety (Fire, disaster, worker health)
  • 55. Affordable Green Housing
9. Green Agriculture
  • 56. Earthworm Compost Manure Production
  • 57. Palm Oil Production
  • 58. Organic Manure from Slurry
  • 59. Forestation (Social/Integrated/Agro)
  • 60. Organic Farming
  • 61. Rooftop/Vertical Farming
  • 62. Fish Cultivation in Cage
  • 63. Bio-flock Fish Cultivation
  • 64. Integrated Recycling System (IRS) Fish Cultivation
  • 65. Coastal Aquaculture Financing
  • 66. Floating/Hydroponic Farming
10. Green CMSME
  • 67. Financing in Cottage Industry
11. Green SRF (Sustainable Resilience Financing)
  • 68. Community Investment in Climate Resilience & Disaster Management
  • 69. Green/Clean Transportation Projects
  • 70. Sandwich Panel Housing (Floating/Movable in vulnerable zones)
  • 71. Govt.-approved Eco-tourism Projects
  • 73. Digital Loan/Credit via MFS or digital medium
  • 76. Cultural Preservation, Arts, Heritage Conservation
  • 77. Natural Ecosystem Protection & Restoration
12. Blue Economy Financing
  • 78. Marine Sustainable Fisheries
  • 79. Mariculture
  • 80. Coastal Ecotourism
  • 81. Marine Plastic Pollution Mitigation
  • 82. Coastal Renewable Energy
  • 84. Green Shipyard (IMO-compliant, Hong Kong Convention)
  • 85. Eco Port
  • 86. Marine Protection
13. Information & Communication Technology
  • 87. Hi-Tech Park
  • 89. Internet of Things (IoT)
  • 90. Artificial Intelligence
  • 91. Robotics
14. Miscellaneous
  • 92. Research & Development for Sustainable Activities
  • 93. Sustainable Supply Chain Management
  • 94. Manufacture & Assembly of Green Building Products

CITIZENSHIP AND SOCIETAL VALUE

Societal Engagement

Corporate Social Responsibility (CSR) is a key factor in our commitment to fostering economic empowerment, community development and environmental responsibility. We actively support local communities through a diverse range of initiatives and partnerships designed to drive positive social impact and cultivate shared prosperity. We are committed to creating impact beyond banking by uplifting the lives and livelihoods of vulnerable communities in Bangladesh. Our mission is to enable those in need to cope with life's uncertainties so that they can be more socially and financially resilient by making their everyday better and every tomorrow brighter.

Aligned with the Sustainable Development Goals (SDGs), the bank is committed to uplifting vulnerable and disadvantaged sections of society through fostering socio-economic development, environmental protection and community well-being. Sustainable Finance Unit (SFU) of the bank is actively involved in guiding and implementing the bank's CSR initiatives, in accordance with Bangladesh Bank's Sustainable Finance Policy, as outlined in the Sustainable Finance Department Circular no. 1 issued on January 9, 2022.

CSR Activities and Focus Areas

The bank's CSR activities focus on several key areas that align with its broader goals of community development and sustainability. Over the years, the bank has made substantial contributions to sectors such as healthcare, education, environmental protection, disaster management, sports, youth development, rural development, arts and culture, and charitable causes.

Key CSR Programs
  • Healthcare
  • Education
  • Disaster Management Support
  • Environment and Climate Change Mitigation & Adaptation (including CRF)
  • Arts, Culture, Sports and Other Contributions
  • Tree Plantation

CSR & Sustainable Banking
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CSR Policy Guideline
(Click here to Download Policy Guidelines on Corporate Social Responsibility of Pubali Bank PLC.)

  • Sustainability Reporting Purpose: Measures, communicates, and manages ESG & economic performance.
  • Compliance: GRI Standards & Bangladesh Bank Sustainable Finance Policy.
  • Governance: Sustainable Finance Committee & SFU.

Content and Boundary of this Sustainability Report:

Sustainable Frontier

  • Environmental risk management & green financing focus.
  • Alignment with national & global sustainability frameworks.
  • Monitoring through SFU governance.

Corporate Social Responsibility focuses on healthcare, education, disaster response, climate resilience, arts, culture, and community empowerment.

Digital initiatives enhance operational efficiency, financial inclusion, and sustainable banking practices.

Focus on People, Planet, and Profit to ensure long-term value creation for all stakeholders.

Policy framework supports green projects, climate resilience, and Bangladesh Bank sustainability directives.

Integrated risk assessment ensures resilience against environmental, social, and governance risks while identifying growth opportunities.

Ensuring continuity through sustainable growth, innovation, and responsible banking practices.

Supporting Bangladesh’s economic growth through inclusive financing, SME development, and sustainable investment.