{"id":380931,"date":"2024-11-27T12:56:45","date_gmt":"2024-11-27T11:56:45","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/?p=380931"},"modified":"2024-11-27T13:21:40","modified_gmt":"2024-11-27T12:21:40","slug":"7o-informe-sobre-las-finanzas-eticas-en-europa-bancos-eticos-solidos-y-al-lado-de-la-economia-real","status":"publish","type":"post","link":"https:\/\/www.fiarebancaetica.coop\/ca\/7o-informe-sobre-las-finanzas-eticas-en-europa-bancos-eticos-solidos-y-al-lado-de-la-economia-real\/","title":{"rendered":"7\u00e8 Informe sobre les finances \u00e8tiques a Europa: bancs \u00e8tics s\u00f2lids i al costat de l&#8217;economia real"},"content":{"rendered":"\n\n<div class=\"wp-block-bancaetica-blocks-blocks-block-49\">\n    <div class=\"container-block-49\">\n\n        <div class=\"header-section \">\n                            <h1 class=\"section-title\"> Finances \u00e8tiques <\/h1>\n                                            <\/div>\n\n        \n        <div class=\"block-background\" style=\"background-image: url('https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/10\/Sin-titulo-3.jpg')\">\n                            <div class=\"tile\">\n                    <h1 class=\"image-title\"> 7\u00e8 Informe sobre les finances \u00e8tiques a Europa: bancs \u00e8tics s\u00f2lids i al costat de l&#8217;economia real <\/h1>\n                <\/div>             <!-- end .tile -->\n            <div class=\"bottom-content\">\n                            <\/div> <!-- end .button-content -->\n        <\/div> <!-- end .block-background -->\n    <\/div> <!-- end .container -->\n<\/div> <!-- end wp-block-bancaetica-blocks-blocks-block-06 -->\n\n\n<div class=\"wrapper-crispybacon-class wrapper-crispybacon-class-wide \">\n    \n\n<p><strong>Els bancs \u00e8tics es consoliden com model alternatiu a la banca tradicional<\/strong> i competents per a afrontar els reptes socials i clim\u00e0tics del futur. El <a href=\"https:\/\/finanzaseticas.net\/landing\/septimo-informe-sobre-finanzas-eticas-en-europa\/\">7\u00e8 Informe sobre les finances \u00e8tiques a Europa<\/a>, presentat oficialment a Madrid el 27 de novembre, \u00e9s un esdeveniment d\u2019abast internacional que aposta per la construcci\u00f3 d\u2019un sistema econ\u00f2mic m\u00e9s just i respectu\u00f3s amb les comunitats i el medi ambient.<\/p>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>El 7\u00e8 informe i els principals resultats: les difer\u00e8ncies del model<\/strong><\/h4>\n\n\n\n<p>L\u2019informe ha sigut elaborat per la <a href=\"https:\/\/finanzaetica.info\/\">Fundaci\u00f3 Finances \u00c8tiques<\/a>, <a href=\"https:\/\/finanzaseticas.net\/\">Fundaci\u00f3 Finances \u00c8tiques <\/a><a href=\"https:\/\/febea.org\/\">&nbsp;i Federaci\u00f3<em> Europea<\/em> de Bancs \u00c8tics i Alternatius (FEBEA)<\/a>. Es tracta d\u2019un an\u00e0lisi i comparaci\u00f3 entre els principals 60 bancs europeus, subjectes a la supervisi\u00f3 directa del Banc Central Europeu i els 26 bancs \u00e8tics europeus associats a GABV (Global Alliance for Banking on Values) i FEBEA (Federaci\u00f3 Europea de Bancs \u00c8tics y Alternatius).<\/p>\n\n\n\n<p>Capital, qualitat dels actius i de la gesti\u00f3, beneficis i liquiditat: aquests s\u00f3n els 5 par\u00e0metres examinats pel model CAMEL utilitzat per a la valoraci\u00f3 de les entitats de cr\u00e8dit. El resultat \u00e9s una fotografia <strong>en la qual els bancs \u00e8tics es mostren tan s\u00f2lids com els bancs tradicionals, per\u00f2 amb major propensi\u00f3 a donar suport a la economia real.<\/strong><\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Entrant en detall, es destaca que pels bancs \u00e8tics a l\u2019economia real representa gaireb\u00e9 el 70% dels actius, mentre que els tradicionals, els anomenats <em>too big to fail, <\/em>s\u2019aturen al 51,6% dels actius, preferint actius financers amb menys riscos, com els bons de l\u2019Estat, o m\u00e9s especulatius.<\/p>\n\n\n\n<p>Aquesta observaci\u00f3 de les entitats de cr\u00e8dit tradicionals amb els actius financers \u00e9s evident fins i tot si s\u2019analitza el ROE (benefici net\/patrimoni\/net). En cinc de cada deu anys, el ROE dels bancs \u00e8tics ha sigut m\u00e9s alt de manera significativa (+5,85 punts percentuals a l&#8217;any 2013) que els bancs tradicionals. La ra\u00f3 \u00e9s que  els bancs tradicionals van patir la crisi de 2007-2008 i s\u2019hi van recuperar lentament. No obstant aix\u00f2, els bancs \u00e8tics que no estaven tan exposats als mercats financers, no van tenir un gran retroc\u00e9s. Mantenint un ROE constantment positiu i en mitjana al voltant del 5%. En els \u00faltims dos anys, els bancs tradicionals que han sortit de la crisi, han generat un ROE m\u00e9s alt que els bancs \u00e8tics.<\/p>\n\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Els bancs \u00e8tics tenen una major adequaci\u00f3 de capital per termini mig,<\/strong> amb una r\u00e0tio de Nivell 1 del 23,32% envers al  17,23% dels grans bancs, aix\u00f2 demostra una s\u00f2lida capacitat per obtenir possibles p\u00e8rdues en les fases de crisi generalitzada.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>L&#8217;enfocament en la concessi\u00f3 de cr\u00e8dits dels bancs \u00e8tics explica tamb\u00e9 el fet <strong>que els bancs \u00e8tics tenen una relaci\u00f3 mitjana entre costos operatius i ingressos (CIR) del 65,74% <\/strong>enfront del 52,60%: l\u2019activitat credit\u00edcia \u00e9s, una activitat que requereix un alt grau d\u2019utilitzaci\u00f3 de personal i pr\u00e0ctiques administratives, a difer\u00e8ncia de l\u2019activitat d\u2019inversi\u00f3 financera, no pot digitalitzar-se totalment i, per tant, \u00e9s m\u00e9s cara. Els bancs \u00e8tics tamb\u00e9 realitzen recerques m\u00e9s exhaustives abans de concedir cr\u00e8dits, <strong>incloent-hi l\u2019avaluaci\u00f3 d\u2019aspectes socials i ambientals.<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<\/div>\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link has-white-color has-blue-background-color has-text-color has-background has-link-color wp-element-button\" href=\"http:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2024\/11\/ESP-7-Informe-web-def.pdf\"><strong>Desc\u00e0rrega l&#8217;informe complet<\/strong><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1774,"featured_media":380382,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11643],"tags":[],"coauthors":[5579],"class_list":["post-380931","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finances-etiques"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - 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