Finance Project Report on Icici Group by raj99604

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									Going ‘Green’

May 13, 2010
    Earth Facts - 2070
                                                        • Water will be a rare
                                                          resource which will be
                                                          available in half glasses
                                                          only for drinking daily
                                                        • Clothing will be disposable
                                                          for lack of water to wash
                                                        • Average life expectancy is
                                                          35 years
                                                        • A charge would be levied
                                                          for the air we breathe for
                                                          each adult everyday




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    * Source: Article published in the magazine "Crónicas de los Tiempos“, in April 2002. Author: Dr. A. P. J. Ka
    Economy & the Environment –
    current trends
       Economic growth rate of 8% expects energy
        consumption to grow by 4.3% (2007)‫‏‬
       India in 2007 imported 70% of it’s oil
        requirements. By 2031, this would be 90%
       By 2031 India would need to add over 40,000 MW
        of electric generating capacity every year to
        address growing infrastructure needs
       It is expected that 70% of the infrastructure that
        will exist in 2030 is yet to be built




3
    Source: Need for a Paradigm Shift – Opportunities for Indo-Canadian Dialog in Energy, April 2008
    Banking & it’s unique position in the
    economy
       Highest opportunity to see with 400 million
        Indians transacting at an average 4-6 times a
        month
       Occupies space of primary lender & custodian to
        individuals at large
       Banker and consultant to large, medium and small
        industries
       Invests in large scale projects for infrastructural
        and other long term growth projects
       Circulates funds to generate money in various
        markets


4
    The Global Opportunity for Green

    $ 500 billion                   Value of Low Carbon Energy Market by 2050

                                    Demand for projects generating GHG
    $ 100 billion
                                    emission credits by 2030
                                    Worldwide investment in clean energy in
    $ 100 billion
                                    2009
    $ 18.6 – 23.1 billion           Estimated solar industry revenues by 2010

                                    Global fuel cell and distributed hydrogen
    $ 15 billion
                                    market by 2015
                                    Cumulative net savings from energy efficient
    $ 84 billion
                                    products in US by 2012

                                      Size of Opportunity




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    Source: Corporate Governance and Climate Change: The Banking Sector A Ceres Report, January 2008
    Captialising on the Opportunity
       Promotion and launch of energy efficient products and
        services
       Assist corporate, SMEs, suppliers to early adoption of
        environment friendly practices through:
          Risk modeling to include environmental risk
          Incentivise customers – corporate & individual for green
           practices
       Green fund investment, trading and distribution – similar to
        commodities like bonds
       Renewable energy certificate exchange




6
    Going Green at ICICI Bank
       Benchmarking bank’s carbon footprint and efforts
        towards carbon neutral activities
       Environment friendly employee activities &
        engagement
       Building awareness & providing green options to
        customers
       Investment in green projects




7
      Driving the Movement

                     Employees
                                 Participation




                     ICICI
                     Bank
                     Go Green

    Green Partners                        Customers
      Partnership                           Products



8
    Employee Participation
    •   E-Greetings                •   POWER GO GREEN Contest-
                                       550 entries

    •   Paperless COD/ COE         •   Go Green in product &
        meetings meetings              process notes (PAC)‫‏‬

    •   Credit Cards e-statement   •   Use of CFL Lamps


    •   Go Green in internal       •   Auto Power Off for all PCs
        newsletters




9
     Employee Participation

     •   Green section in I-Voice,   •   Use of e-Memos for internal
         ICICI Bank employee forum       approvals


     •   Regulated AC temperature    •   Celebrating Green Events-
                                         World Environment Day,
                                         Earth Hour

     •   Green message on Visiting
         Cards (recycled paper)‫‏‬




10
     Customer Engagement

     •   Incentivising Green life-     •   Driving B2 &
         style- Green Vehicles &           InstaBanking- Paper-less/
         Housing                           Travel-free banking




     •   Rationalisation of physical
                                       •   E-Statement Drive
         customer communication




     •   Green messaging across        •   Green Events- World
         touch-points/                     Environment Day, Earth
         www.icicibank.com/gogreen         Hour




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     Customer Engagement

     •   Eco friendly gifting to all   •   Launch of paperless, low
         customers/ relationships          energy e-branches



     •   Green themed activities at    •   E-Lok Adalat in Delhi
         branches




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     Employee Participation – Way Forward
     •   Contest –Green Team for        •   Reduced eWastage by
         paper & energy consumption         upgrading existing PCs


     •   Monthly green hour at          •   Use of paper with higher
         branches                           recycled percentage


     •   Car pooling across offices     •   Monitoring use of printers
         and branches


     •   Education of the Green Way
         of life through partnerships
         with NGOs




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     Customer Engagement – Way
     Forward
                                      •   Green Caller tunes for call
     •   Green communication over         center, landlines &
         IVR and hold tunes               corporate mobile
                                          connections



     •   Shift to bio-degradable
                                      •   Continued promotion of
         credit/debit/ prepaid card
                                          online banking
         plastic




     •   ATM chargeslips to carry
         green messaging




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     Footprint Mapping @ ICICI Bank

      Carbon, Water, Paper
       & Waste Footprints         Land     Energy
       Mapping at bank
       facilities
      Carbon Footprint           Carbon Footprint
       Benchmarking                  Road Map
      In-house Emission
       Reduction (GHG)‫‏‬
      Carbon Footprint       Carbon   Waste   Water
       Offset




15
     Clean Technology -
     Project Finance




16
     Assistance to Green Projects
      Promoting eco-friendly technologies
         Clean coal technologies
      Initiatives to reduce emissions
         ISO 14000 - Environment Management Systems
         Energy Service Companies (ESCO) with municipalities
         Demand Side Management (DSM) with utilities
         Waste heat recovery
         Energy Efficient air-conditioning




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     Assistance to Green Projects
        Zero Emission Initiative
        Green Building Initiatives
        National Initiatives
        Green Governance Initiatives
        Funding clean technology projects




18
     Green Initiatives at ICICI Group
     Companies




19
     ICICI Group Company Initiatives
      ICICI Securities
         Green Calendar to customers
         Quarterly statement moved online

      ICICI Lombard
         Provision of e-Policies/ policies with reduced
          pages
         Night Shift at Malad processing hub, A/c
          switched off for an hour/day




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     ICICI Group Company Initiatives
        ICICI Prudential Asset Management Company

                                 Headline 1:
                                   This tree manufactured five
                                     pounds of pure oxygen
                                            everyday.
                                 Till we hacked it down to make this
                                             newsletter.


                                 Headline 2:
                                       Trees have life too.
                                 And that includes the one chopped
            Hard-hitting Green       down to make this paper.
               messages on
              communication




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     Benefits to ICICI Group
        Establish ICICI Group as a responsible corporate
         citizen through its commitment to the
         environment
        Environmental savings of over 30,000 trees and
         water supply to 100,000 rural households for a
         month
        Cost savings of Rs 380 mn from 3.6 mn reams of
         paper saved
        Investment in carbon footprint evaluation and
         offsetting activities expected to be returned
         over 3 to 5 years through operational
         efficiencies
        Generation of revenue stream through Carbon
         Credits

22
     Thank You

      To know more, visit us at www.icicibank.com/gogreen




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     Clean coal technologies
        Innovative concepts like deep beneficiation of coal (coal
         washeries) and coal bed methane have been introduced for
         the first time in the country
        Through a demonstration project we assisted the first coal
         washery in the country (ST-BSES) for providing a solution
         to Indian coal, which has high ash content and is highly
         polluting, via the process of deep beneficiation of coal
        We also assisted Essar Oil, the first company to
         successfully demonstrate the concept of coal bed methane
         in India
        The replication potential of these demonstration projects
         have been significant




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     Sahastratronic Contols Pvt. Ltd.
     (SCPL)‫‏‬
        An energy service company (ESCO) which worked with
         Nasik Municipal Corporation (NMC) on a shared savings
         based street lighting ESCO project
        Energy saving potential was assessed jointly with NMC
        Energy Services Agreement for implementation of the
         project entered into between SCPL and NMC
        Savings were shared for five years
        Earlier energy bill prior to project implementation - Rs 50.0
         million per annum for area allotted to SCPL
        Avg achieved annual savings - Rs 17.0 million on a capital
         investment of Rs 16.6 million
        Project completed in Nov 2005
        Payback period ~1.5 years




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     SCPL                 Cont…..
        Installation of 486 street light controllers
         covering about 19000 street lights at various
         lighting stations to improve street lighting
         efficiency
        Improvement in the existing electrical distribution
         network for
          Reduction in cable losses
          Power factor optimization




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     SCPL                   Cont…..
        Salient Features of Street Light Controller
        Microprocessor based unit with a real time clock
        Three modes of operation (Start , Run & Dim)‫‏‬
        Voltage correction in Start mode as per lamp manufacturer
         specifications to enhance life of bulb
        Microprocessor changes mode to Run mode where voltage
         is changed to acceptable lux level
        At programmed time DIM mode takes over automatically to
         reduce illumination at an agreed value
        On/Off and sunrise/sunset timings for 52 weeks can be
         programmed




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     SCPL                    Cont…..
        The actual lux level
         varies due to variation in
                                               lux level   acceptable lux level
         the voltage levels
                                        40
        The red graph shows the
         approx lux level, whereas      35

         green graph shows the          30
         acceptable lux level           25
        Light level available during   20
         peak traffic hours is less     15
         than during low traffic        10
         hours.


                                           m

                                                  m



                                                          m




                                                               m

                                                                    m

                                                                         m

                                                                              m

                                                                                   m

                                                                                        m
                                                         pm

                                                         pm

                                                         pm
                                                 m
                                         6p

                                               7p



                                                       9p
                                               0p




                                                              1a

                                                                   2a

                                                                        3a

                                                                             4a

                                                                                  5a

                                                                                       6a
                                                      10

                                                      11

                                                      12
                                                 8.
        Large potential to save
         energy 12 pm to 6 am




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     ESCO Business Models
                        Model 1              Model 2

                        Lender
                                             Repays Loan
       Repays Loan   Lends          Lends

                        ESCO     Operates,    User
                                 Maintains
                 Owns,Operates,Maintains

                        User


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     Noida Power Company Limited
        Private distribution company for Greater Noida
        Commercial, industrial, residential and agricultural
         consumers
        Replacement of bare cables with insulated cables and LT
         lines with HT lines. Increase in HT/LT ratio from 0.85 to
         2.46
        Distribution network improvements after load research –
         annual savings of 1.7 mn units against estimated 0.6 mn
         units
        Metering of unmetered consumers
        DSM – replacement of old pumps by energy efficient pumps
         (55% energy savings) besides 22% reduction in water
         consumption



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     Sterlite Industries Limited
        Waste heat recovery
        Major unit manufacturing copper at Tuticorin
        Copper smelting exothermic process
        Hot flue gases with high heat content being
         wasted
        Waste heat recovery system to be installed
        Power generation 10.4 MW
        Payback <1 year
        Reduction of CO2 emission: 47,500 tpa




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     Sterlite Industries Limited            Cont…

      Water Recycling/conservation       : annual
       savings
      Current Power requirement       : 794 KW
      Power saving with modifications : 420 KW
      Annual saving in power cost     : Rs 14.2 Mn
      Current water loss                 : 1419 m3
      Cost of water                      : Rs 17 / m3
      Annual saving in water cost        : Rs 8.5 Mn

        Total savings in water recycling : Rs 22.7 Mn



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Sumaya HMX Systems Ltd
   Development of “Ambiator”, an eco-friendly alternative to an AC
   Works on the indirect evaporative cooling technology by incorporating a
    wet plate and a cross flow heat exchanger
   Provides 100% filtered cool fresh air and consumes about 35% power
    compared to an AC making it about 65% more energy efficient compared to
    an AC
   Does not use chloro fluoro carbons (CFC), as it does not run on
    compressor-based technology
   The product has also been endorsed by TERI (DCS 001) and the Energy
    Management Centre (EMC) under GoI
   The company has improved the heat exchanger efficiency of the

   Ambiator from 63% to about 80%

   The company is currently improving on
        bringing min offer temperature below 23ºC &
        reducing product size
     Zero Emission Initiative
        Reva Electric Car Company Limited
            Manufacture of Electric Vehicle
        New Generation Motors
            Electric drive system for two and three wheelers
        Twenty First Century Batteries
            Lithium ion flexible polymer electrolyte
             rechargeable battery




34
     Green Building Initiatives
      CII-GBC
      LEEDS – platinum rated Green Business Centre at
       Hyderabad
      Centre for excellence in energy/ environment
      First building outside USA and third in the world
       to achieve platinum rating
      Support for GBC set up and 2 years operations




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     National Level Initiatives
     Energy
      Establishing Bureau of Energy Efficiency (BEE)‫‏‬
      Setting up of Green Business Centre (GBC) with
       CII
      Energy rating for electrical appliances - CERC
      Innovative structuring of ESCO projects
      Demand side management in utilities
      Greenhouse gas mitigation
      Demonstration of concept of coal washeries led to
       a Govt. policy on mandatory coal washing



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     National Level Initiatives
     Energy
      Capacity building of technology institutions
         Central Power Research Institute (CPRI) – Setting
          up of a laboratory for testing various transformer
          & power station characteristics at Bangalore
         Electrical Research & Development Association
          (ERDA) - Setting up of a short circuit laboratory &
          facilities for testing electrical appliances
         The Energy Research Institute (TERI) - Setting up
          of an instrument bank with calibration facility &
          creation of an energy efficiency advisory &
          training centre




37
Indian Army’s Green Governance
Programme
   Implementing agency - Indian Army Environment Ecology
    Cell (IAEEC)‫‏‬
   Comprises of
      25 sub-projects at select Indian Army locations in the
       following areas
            rainwater harvesting
            ground water rejuvenation
            construction of check dams
            treatment of water bodies
            waste management and
            wind energy harvesting at remote military outposts
       awareness initiative for school children on ecology at
        select sainik schools, military schools
Indian Army’s Green Governance
Programme
   Reduced water run-off and higher water percolation into
    sub-soil
   Increased water storage through artificially constructed
    lakes, check dams & bunds
   Increase in ground water table
   Assured water supply during peak summer
   Creation of environmental parks
   Reduced dependence on water tankers or municipal water
    supply for gardening or horticulture
   Better utilization of waste water with suitable treatment
   Improved awareness among school children on issues
    related to ecology & biodiversity
Tata Power Environmental Sustainability
Programme
   Support to Tata Power for its Environmental Sustainability
    Programme comprising
      Scaling up of existing energy-saving awareness
       initiative named “Tata Power Energy Club”
      A few renewable energy pilot projects
   Tata Power Energy Club is involved with sensitization of
    school children to spread the energy conservation
    awareness in their residential areas
   Tata Power has scaled up the initiative
      originally focussed on Mumbai to five other cities
       namely New Delhi, Pune, Ahmedabad, Bangalore &
       Kolkata
      besides launching campaigns on its website and in
       networking sites like Facebook
Tata Power Environmental Sustainability
Programme
   Renewable energy pilot projects in the area of
      Solar photovoltaic based LED lighting
      Solar-thermal based water heating and
      A hybrid solar-wind system
Robin Age
 A weekly children’s newspaper exclusively written for
  children of 5-14 years of age and published by M/s
  Deep Prakash
 Encourages children back into the reading habit
  through content that is informative, interactive,
  engaging and fun
 Carries news & information
    current affairs, science, technology, sports,
     careers, culture
    Special focus on energy and environment
    activities, puzzles and projects
Robin Age
   Grant assistance given to RobinAge
      envisages carrying an environment page in every
       alternate issue of RobinAge
      promote sensitivity and awareness about
       environmental issues amongst school children
      organise in-school workshops to introduce children
       to basic concepts of energy & environment
      publish a special issue on the occasion of
       ‘Environment Day’ (June 5) in 2009
      organise child-to-child outreach programmes
     Finance to Green Projects
        Projects in the area of Waste Management financed:
           Current assisted projects:
               Jindal Urban Infrastructure Limited sponsored
                integrated MSW processing plant at Timarpur and
                Okhla in Delhi
                   1,950 tonnes per day of MSW to be processed
                   20 MW of power production
                   Bio-methanation unit




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