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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]

Author

Listed:
  • Francisco José Climent Diranzo

    (Universidad de Valencia, España.)

  • María Vicenta Escrivá Llidó

    (Universidad de Valencia, España.)

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.

Suggested Citation

  • Francisco José Climent Diranzo & María Vicenta Escrivá Llidó, 2019. "Banca Ética y Banca Tradicional. Comparativa entre Triodos Bank y Banco Santander [Ethical Banking and Conventional Banking. Triodos Bank vs Banco Santander]," REVESCO: Revista de estudios cooperativos, Universidad Complutense de Madrid, Facultad de Ciencias Económicas y Empresariales, Escuela de Estudios Cooperativos, issue 130, pages 55-72.
    • Handle: RePEc:ucm:reveco:y:2019:i:130:p:55-72
    DOI: 10.5209/REVE.61935
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    More about this item

    Keywords

    Banca Ética; Banca Tradicional; Banca Social; Economía Social y Valores Sociales.;
    All these keywords.

    JEL classification:

    • G2 - Financial Economics - - Financial Institutions and Services
    • A2 - General Economics and Teaching - - Economic Education and Teaching of Economics
    • M4 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Accounting

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