Bank Strategies in Financing Environmental Projects « An Analytical Study of First Abu Dhabi Bank and the China Development Bank »

Rachida  Ben Ahmed Daho; Asma   Filali

Rachida Ben Ahmed Daho Faculty of Economic sciences , Management and Commercial sciences , University of Tlemcen
Asma Filali University Centre of Maghnia,Laboratory for the Evaluation and Foresight of Economic Policies and Corporate Strategies

Keywords: Green finance, environmental projects, bank strategy, sustainable development, green loans

Abstract

This paper examines the role of banks in financing environmental projects, with a particular focus on the strategies implemented by First Abu Dhabi Bank (FAB) and the China Development Bank (CDB). Through a combined theoretical and analytical approach, the study explores how financial institutions integrate environmental considerations into their lending policies, investment decisions, and sustainability frameworks. The findings indicate that both banks have progressively adopted green finance mechanisms—such as green loans, green bonds, and sustainability-oriented investment programs—to enhance their performance, strengthen competitiveness, and align with global sustainability objectives. Despite these advancements, several challenges continue to hinder the full integration of environmental financing, particularly in developing economies. The comparative analysis provides insights and practical lessons that may assist Algerian banks in designing effective strategies to support environmental projects and advance national sustainable development goals.

References

Bara, H. A. (2024). Energy transition and sustainable development in Algeria: The role of green finance. Finance and Business Economics Review, 3–13.

Gupta, J. (2015). Role of green banking in environmental sustainability: A study of selected commercial banks in Himachal Pradesh. International Journal of Multidisciplinary Research and Development, 2–6

Henni, I. H. (2024). Sustainable development in Algeria: Investigating challenges and potential pathways. Journal of Environmental Science and Economics, 2–20.

Mana Dofi Qarmiya, R. (2022). The role of green financing in enhancing economic growth. Journal of Money and Business Economics, 7(2), 215–221.

Samsul Alam, S. S. (2023). Environmental finance and green banking: Contemporary and emerging issues. Environmental Finance and Green Banking Press.

Shipalana, P. (2023). Green finance mechanisms in developing countries. International Development Research Centre Reports, 6–11.

World Bank. (2021). China’s Belt and Road initiative in the global green energy transition. Washington, DC: World Bank.

First Abu Dhabi Bank (FAB). (2022). Sustainability Report. Abu Dhabi: FAB.

First Abu Dhabi Bank (FAB). (2023). Sustainability Report. Abu Dhabi: FAB.

First Abu Dhabi Bank (FAB). (2022). Green Bond Framework. Abu Dhabi: FAB.

China Development Bank (CDB). (2022). Annual Report. Beijing: CDB.

China Development Bank (CDB). (2023). Annual Report. Beijing: CDB.

China Development Bank (CDB). (2023). Sustainability Report. Beijing: CDB.

الأشوح،ز. ص. (2003). البيئة. الإسكندرية: دارغريب.

→ Al-Ashwah, Z. S. (2003). Al-Bi’ah [Environment]. Alexandria: Dar Gharib.

بابكر،م. (2004). السياساتالبيئية. مجلةجسرالتنميةالكويت، 3(25).

→ Babakr, M. (2004). Al-Siyasat Al-Bi’iyah [EnvironmentalPolicies]. Jisr Al-Tanmiyah Kuwait Journal, 3(25).

حريز،ه. (2014). دورالبنوكالأجنبيةفيالتمويلالاقتصاديوتقييمأدائهامنحيثالعائدوالمخاطرة. الإسكندرية: دارالجامعة.

→ Hariz, H. (2014). Dawr Al-Bunuk Al-Ajnabiyah fi Al-Tamwil Al-Iqtisadi [The Role of Foreign Banks in Economic Finance]. Alexandria: Dar Al-Jamiah.

رابح،خ. (2008). المؤسساتالصغيرةوالمتوسطةومشكلاتتمويلها. أتراكللطباعةوالنشروالتوزيع.

→ Rabeh, K. (2008). Al-Mu’assasat Al-Saghira wal-MutawasitawaMushkilatTamwiliha [SMEs and Their Financing Problems]. Atrak Publishing.

طابل،م. ك. (2012). البنوكالإسلاميةوالمنهجالتمويلي. عمان: دارأسامةللنشروالتوزيع.

→ Tabl, M. K. (2012). Al-Bunuk Al-Islamiyah wal-Manhaj Al-Tamwīlī [Islamic Banks and Financing Methods]. Amman: Dar Osama.

لطفي،ا. ا. (2005). المراجعةالبيئية. الإسكندرية: الدارالجامعية.

→ Lotfi, A. A. (2005). Al-Muraja‘ah Al-Bi’iyah [Environmental Auditing]. Alexandria: Al-Dar Al-Jami‘iyah.

خوجة،ج. (2002). النقودوالبنوك. الأردن: دارالمسيرةللنشروالتوزيع.

→ Khoja, J. (2002). Al-Nuqudwal-Bunuk [Money and Banking]. Amman: Dar Al-