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OPEN EDUCATIONAL
RESOURCE III
ETHICAL BANKING
Ethical Banking
 Origin
 Concept and characteristics
 Advantages and disadvantages
 Differences between traditional
ba...
Origin (EE.UU.)
 XIX c.  not invest in projects
related to slavery and alcohol
 in the ‘60s  opposition to
apartheid a...
Origin (Europe)
 1968  Triodos Foundation
coherence between ethical-
moral values and investment
 Italy, in the ‘70s  ...
Ethical Banking
CONCEPT
 banking entities
 real economy (no speculation)
 positive social impact
Ethical Banking
CHARACTERISTICS
 Ethics is the basis
finance committee & ethics committee
 Combat the economic exclusion...
Ethical Banking
CHARACTERISTICS
 Transparency
customer is always informed
 Real economy
no speculation
no secondary mark...
Ethical Banking
CHARACTERISTICS
 Social profit
activities that produce something
positive to society
 A more sustainable...
Ethical Banking
Advantages & Disadvantages
 Coherence
 Social and sustainable
commitment
 Less competitive products on
...
Differences between traditional
banking and ethical banking
ETHICAL BANKING TRADITIONAL BANKING
Objective: social and
econ...
Differences between traditional
banking and ethical banking
ETHICAL BANKING TRADITIONAL BANKING
It offers few products
(cu...
Differences between traditional
banking and ethical banking
ETHICAL BANKING TRADITIONAL BANKING
High transparency: It allo...
Differences between traditional
banking and ethical banking
ETHICAL BANKING TRADITIONAL BANKING
Integration: needy groups
...
Differences between traditional
banking and ethical banking
ETHICAL BANKING TRADITIONAL BANKING
Alternative systems for
gu...
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Oer feup–ethical banking-english

FEUP-ethical-banking

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Oer feup–ethical banking-english

  1. 1. OPEN EDUCATIONAL RESOURCE III ETHICAL BANKING
  2. 2. Ethical Banking  Origin  Concept and characteristics  Advantages and disadvantages  Differences between traditional banking and ethical banking
  3. 3. Origin (EE.UU.)  XIX c.  not invest in projects related to slavery and alcohol  in the ‘60s  opposition to apartheid and the Vietnam War  1971  Pax World Fund
  4. 4. Origin (Europe)  1968  Triodos Foundation coherence between ethical- moral values and investment  Italy, in the ‘70s  MAG (Mutue per l’Autogestione)
  5. 5. Ethical Banking CONCEPT  banking entities  real economy (no speculation)  positive social impact
  6. 6. Ethical Banking CHARACTERISTICS  Ethics is the basis finance committee & ethics committee  Combat the economic exclusion of the poorest
  7. 7. Ethical Banking CHARACTERISTICS  Transparency customer is always informed  Real economy no speculation no secondary markets
  8. 8. Ethical Banking CHARACTERISTICS  Social profit activities that produce something positive to society  A more sustainable world
  9. 9. Ethical Banking Advantages & Disadvantages  Coherence  Social and sustainable commitment  Less competitive products on the market
  10. 10. Differences between traditional banking and ethical banking ETHICAL BANKING TRADITIONAL BANKING Objective: social and economic performance Objective: economic yield Main guideline: ideological (counting with the stakeholders ideas) Main guideline: maximise profit
  11. 11. Differences between traditional banking and ethical banking ETHICAL BANKING TRADITIONAL BANKING It offers few products (current accounts mainly) Product variety Assets placement based on: added social value Assets placement based on: economic guideline (high profitability)
  12. 12. Differences between traditional banking and ethical banking ETHICAL BANKING TRADITIONAL BANKING High transparency: It allow to assess if the ethical objectives are being achieved Banking privacy: customers don't know where the bank is investing Sustainable investment (long-term profits) Investments based on profit, even short-term
  13. 13. Differences between traditional banking and ethical banking ETHICAL BANKING TRADITIONAL BANKING Integration: needy groups can access to financial system Limited access (lack of guarantees) Alternative mechanisms for participation: connection between bank management and customers Only managers make decisions.
  14. 14. Differences between traditional banking and ethical banking ETHICAL BANKING TRADITIONAL BANKING Alternative systems for guarantees: project's viability and confidence Credits are conceded only with bank guarantees Customers can decide where to invest money Customers can not choose

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