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Regulation on Environment and Social Risk Management Policy

Techcombank has set out this regulation, to detail policies, requirements and standards regarding the management of E&S risks, processes to be applied, guidelines to follow and tools to be used to review and monitor E&S risks at Techcombank

Ensure all bank activities and credit reviews align with the E&S Risk Management Policy.

Review and finance projects designed and operated per the E&S Risk Management Policy.

Provide ongoing guidance for project compliance with the E&S Risk Management Policy.

Maintain transparency and inform client management and shareholders about the Bank's policy commitments

Green Project Evaluation and Selection Process

Techcombank has established the process  to unify the order and procedures for selecting and evaluating investment projects in the field of environmental protection

1

Identification and Recommendation

Collect documents to identify green projects according to guidelines, then propose project as green if meet criteria

2

Evaluation

Check the suitability of the project dossier, then complete the assessment of projects that meet or not meet our standards

3

Re-evaluation

Re-assess the green status of project by cadence, and reconfirm the status of the project as green project or not

Green projects criteria

Green projects, according to our definition, will bring at least one of the following environmental benefits and belong to investment projects in the field of environmental protection

Minimize climate change

Responds to climate change

Protects the natural environment, natural ecosystems and biodiversity

Prevention and control of pollution

Applies the circular economy

Uses natural resources sustainably, protecting and saving resources

Details of Eligible project Categories

Our green lending

From a solid foundation of established regulations and processes, we have aggressively expanded our green lending operations and have achieved impressive numbers.

Sustainable management & operation

At Techcombank, we implement several operational initiatives to minimize impacts on the environment

Electricity consumption

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At Techcombank, we have implement several initiatives to optimize our energy consumption:

  • Our building system (E.g., cooling system, lighting system, etc.) uses sensors to adjust operations based on actual demand
  • Our lightning system uses energy-saving LED light instead of fluorescent lights
  • Techcombank educates branches to encourage employees to save electricity

Waste Management

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At Techcombank, we have implement several initiatives to reduce and manage our waste, including regular solid waste, hazardous waste and wastewater:

  • Eliminate unnecessary trash bags and provide bins for waste segregation on each floor of the building.
  • Encourage employees to bring meals from home to reduce waste and limit ordering food from outside.
  • Install signs to remind employees to use paper sparingly for hand drying, cleaning, and other purposes.
  • Replace fluorescent lighting with energy-efficient LED lights and use environmentally friendly packaging materials.
  • Implement water-saving measures with sensor-based sanitary equipment to optimize water conservation and reduce waste

Greenhouse gas emission management

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At Techcombank, we have implemented many initiatives to help control and mitigate our emission:

  • Monitor our GHG emission scope 1 and scope 2 for all our headquarters and branches
  • Implement several initiatives to optimize our electricity consumption, then reduce GHG emission scope 2
  • Build capabilities to gradually expand our tracking to cover Scope 3, especially focus on financed emission

For any sustainability-related enquiries,
please reach out to
ESG.TCB@techcombank.com.vn

Email us