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Banca Ética y Banca Tradicional. Comparativa entre Triodos Bank y Banco Santander
Ethical Banking and Conventional Banking. Triodos Bank vs Banco Santander

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Climent Diranzo, Francisco José and Escrivá Llidó, María Vicenta (2019) Banca Ética y Banca Tradicional. Comparativa entre Triodos Bank y Banco Santander. REVESCO. Revista de Estudios Cooperativos (130). pp. 55-72. ISSN 1885-8031

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Official URL: http://dx.doi.org/10.5209/REVE.61935




Abstract

La crisis financiera de 2008 ha provocado cambios en la estructura bancaria tradicional, generando una desconfianza por parte de los ciudadanos con el sistema financiero tradicional, como consecuencia de ello ha surgido otro tipo de banca, la Banca Ética. El objetivo de este trabajo es estudiar si la Banca Ética puede llegar a ser igual de rentable que la Banca Tradicional, invirtiendo principalmente en valores sociales. Para ello, se realiza un análisis comparativo entre la Banca Ética (Triodos Bank) y la Banca Tradicional (Banco Santander). Para alcanzar el objetivo propuesto se realiza un análisis económico centrado en la actividad financiera de ambas tipologías de bancos durante el período 2011-2017 y se analizan el Balance de Situación, la Cuenta de Pérdidas y Ganancias y las Ratios de Liquidez, Endeudamiento y Rentabilidad de ambos bancos. Se comprueba que la Banca Ética no llega a ser tan rentable como la Banca tradicional, pero ha conseguido atraer a los clientes con sus inversiones sociales y la transparencia total de sus acciones financieras.

Resumen (otros idiomas)

The financial crisis of 2008 has caused changes in the traditional banking structure, generating a distrust on the part of citizens with the traditional financial system, as a result of this has emerged another type of banking, Ethical Banking. The objective of this paper is to study if the Ethical Banking can be as profitable as the Conventional Banking, investing mainly in social values. For this purpose, a comparative analysis is carried out between the Ethical Banking (Triodos Bank) and the Conventional Bank (Banco Santander). To achieve the proposed objective, an economic analysis is carried out focused on the financial activity of both types of banks during 2011-2017 and the Balance Sheet, the Profit and Loss Account and the Liquidity, Indebtedness and Profitability Ratios are analyzed. Results shows that the Ethical Banking does not become as profitable as Conventional Banking, but it has managed to attract customers with its social investments and the total transparency of its financial actions.

Item Type:Article
Uncontrolled Keywords:Banca Ética; Banca Tradicional; Banca Social; Economía Social y Valores Sociales.
Palabras clave (otros idiomas):Ethical Banking; Traditional Banking; Social Banking; Social Economy and Social Values.
Subjects:Social sciences > Economics
Social sciences > Economics > Banks and credit unions
Social sciences > Economics > Accounting
JEL:G2, A2, M4
ID Code:55208
Deposited On:09 May 2019 08:45
Last Modified:13 May 2019 10:44

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