ABSTRACT
The Environmental Handbook was developed as a result of a project financed by the Danish Environmental Protection Agency and the Danish Commerce and Companies Agency. The handbook can be used to help the bank carry out an initial general investigation into a company in order to identify potential environmental risk. If any risks are found, the bank must perform further in-depth investigation by interviewing the client, demanding further documentation and consulting environmental experts. The purpose of the checklists is to gather information to form environmental profile of the company, to be used in the credit assessment. The environmental profile that is drawn up according to the answers given by users is designed to be used as part of general credit assessment in line with strengths–weaknesses–opportunities–threats analysis, or something similar. If the company's environmental profile is considered acceptable or good, it means there are no environmental aspects that preclude the bank from granting credit facilities to the company.
