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Sustainable and conventional banking in Europe
María Del Carmen Valls Martínez1, Salvador Cruz Rambaud1, Isabel María Parra Oller1
1Economics and Business Department, University of Almería, Almería, Spain.
Plos One
|February 21, 2020
Summary
Ethical banking, an exponent of socially responsible investment, shows greater liquidity and solvency than conventional banks. This model offers savers and investors confidence in responsible financial practices.
Area of Science:
- Finance
- Economics
- Banking
Background:
- Ethical banking emerged as a socially responsible investment model at the end of the 20th century.
- The 2008 financial crisis increased interest in ethical banking due to distrust in conventional systems.
- Ethical banks operate with social and environmental criteria, transparency, and democratic management.
Purpose of the Study:
- To analyze the economic structure of ethical banking compared to conventional banking.
- To assess liquidity, coverage, and solvency of ethical banking.
- To compare the financial statements of Triodos Bank with conventional banks in five European countries.
Main Methods:
- Financial and economic analysis of statements from 2015 to 2018.
- Application of the means difference test and analysis of variance on financial ratios.
- Probit regressions to analyze data.
Main Results:
- Ethical banking demonstrates higher growth rates than conventional banking.
- Ethical banking exhibits superior liquidity and solvency.
- Profitability in ethical banking is generally not higher than in conventional banking.
Conclusions:
- Ethical banking provides a responsible and secure investment option.
- Savers and investors can be confident in the ethical and secure investment of their funds.
- Ethical banking offers a viable alternative to conventional financial systems.
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