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Ethical versus conventional banking: a case study

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Ethical versus conventional banking: a case study

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dc.contributor.author Climent Diranzo, Francisco José
dc.date.accessioned 2022-05-10T08:36:04Z
dc.date.available 2022-05-11T04:45:06Z
dc.date.issued 2018 es_ES
dc.identifier.citation Climent F. Ethical Versus Conventional Banking: A Case Study. Sustainability. 2018; 10(7):2152. es_ES
dc.identifier.uri https://hdl.handle.net/10550/82699
dc.description.abstract The 2008 financial crisis has changed the structure of banking, generating public distrust in the conventional financial system. An alternative has emerged as a result of this lack of confidence. This alternative is known as ethical banking. A growing number of investors, asset managers, and financial intermediaries have incorporated sustainability considerations into their business practices. This paper discusses the origins of ethical banking and describes its primary characteristics. The goal is to determine whether ethical banking can be as profitable as conventional banking despite only investing in projects based on social values. A comparative analysis is performed to identify differences between an ethical bank (Triodos Bank) and a conventional bank (Banco Santander). The analysis was conducted to study the financial activity of both banks over a four-year period (2012–2015). The balance sheets, profit and loss accounts, liquidity ratios, indebtedness, and returns provided by both banks were analyzed. The results indicate that ethical banking is less profitable than conventional banking. Nevertheless, customers are attracted to the social investments and financial transparency that characterize ethical banking. Over the study period, Triodos Bank experienced a greater increase in the number of employees and the volume of loans and deposits than did Banco Santander. Triodos Bank invests in social and environmental projects. This investment approach makes it less profitable than Banco Santander. es_ES
dc.language.iso en es_ES
dc.subject ethical banking es_ES
dc.subject conventional banking es_ES
dc.subject social banking es_ES
dc.subject social economy es_ES
dc.subject social values es_ES
dc.title Ethical versus conventional banking: a case study es_ES
dc.type journal article es_ES
dc.subject.unesco UNESCO::CIENCIAS ECONÓMICAS es_ES
dc.identifier.doi 10.3390/su10072152 es_ES
dc.accrualmethod S es_ES
dc.embargo.terms 0 days es_ES

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