The environmental and social risk management framework is used to proactively identify, manage and monitor related risks in the lending processes. The aim is to understand the impacts of DBN’s business activities (direct and indirect) including impacts on the environment, societal and economic growth and identify and develop opportunities to provide financial products and services that help the Bank's clients overcome economic, social and environmental challenges.

All projects are screened for environmental, occupational health & safety and social (E&S) risks. The risks are identified, managed, monitored and controlled to proactively embed E&S risk management into lending processes and minimize the risk of reputational or financial loss.

Monitoring and evaluation of the Occupational Health, Safety, Environmental and Social Performance of DBN financed businesses is done through conducted site inspections and meeting with clients to review and observe compliance to the submitted Environmental and Social Management Plan/Environmental Management Plan (ESMP/EMP). All relevant transactions are monitored to ensure that the E&S commitments are adhered to.

The E&S Officers monitor implementation and progress of remedial action for the tenure of the loan. The frequency and duration of monitoring depends on the type of transaction being financed and the level of risk. Where clients do not comply with environmental and social risk requirements, DBN works together with clients to achieve the necessary standards.

Find the environmental and social management performance standards, policies, procedures and guidance notes, here...

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	ESMP guideline
	Environmental and social management
	Environmental and social management policy
	Exclusions