{"id":386354,"date":"2025-05-27T12:03:19","date_gmt":"2025-05-27T10:03:19","guid":{"rendered":"https:\/\/www.fiarebancaetica.coop\/?p=386354"},"modified":"2025-05-27T12:03:56","modified_gmt":"2025-05-27T10:03:56","slug":"solidesa-en-maxims-historics-creixement-del-credit-i-auge-de-la-recaptacio","status":"publish","type":"post","link":"https:\/\/www.fiarebancaetica.coop\/ca\/solidesa-en-maxims-historics-creixement-del-credit-i-auge-de-la-recaptacio\/","title":{"rendered":"Solidesa en m\u00e0xims hist\u00f2rics, creixement del cr\u00e8dit i auge de la recaptaci\u00f3."},"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\"> Solidesa en m\u00e0xims hist\u00f2rics, creixement del cr\u00e8dit i auge de la recaptaci\u00f3. <\/h1>\n                                        <p class=\"section-content\"> Solidesa en m\u00e0xims hist\u00f2rics, creixement del cr\u00e8dit i auge de la recaptaci\u00f3. <\/p>\n                                <\/div>\n\n        \n        <div class=\"block-background\" style=\"background-image: url('https:\/\/www.fiarebancaetica.coop\/app\/uploads\/sites\/2\/2025\/05\/Oficina-Fiare-Barcelona-01-1-1-1.jpg')\">\n                            <div class=\"tile\">\n                    <h1 class=\"image-title\"> Solidesa en m\u00e0xims hist\u00f2rics, creixement del cr\u00e8dit i auge de la recaptaci\u00f3. <\/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><em>26 de maig de 2025<\/em> &#8211; El Consell d&#8217;Administraci\u00f3 de Banca Etica ha aprovat el balan\u00e7 del 2024, votat pels socis a la pr\u00f2xima assemblea d&#8217;accionistes d&#8217;aquest cap de setmana.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>L&#8217;exercici passat es va tancar per al Grup Banca Etica amb un benefici consolidat de 16,1 milions d&#8217;euros, inferior al r\u00e8cord excepcional del 2023, tamb\u00e9 vinculat a la pujada dels tipus d&#8217;inter\u00e8s, per\u00f2 en l\u00ednia amb el benefici del 2022. En particular, la societat matriu va registrar beneficis de 12,1 milions d&#8217;euros (dels quals l\u2019\u00e0rea Fiare 3,7 milions) la societat de gesti\u00f3 d&#8217;actius Etica Sgr, 7,5 milions d&#8217;euros, i Cresud (la societat del grup especialitzada en microfinances al Sud del M\u00f3n), 48.000 euros.<\/p>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Solidesa del capital: indicadors de supervisi\u00f3 en m\u00e0xims hist\u00f2rics<\/strong>. Els fons propis pugen a 196,4 milions d&#8217;euros, fet que suposa un augment (+9,5 %) respecte al desembre de 2023. L&#8217;augment es deu a la subscripci\u00f3 de capital social addicional per part d&#8217;antics i nous membres i organitzacions, com tamb\u00e9 als beneficis de l&#8217;exercici, que es van capitalitzar \u00edntegrament a excepci\u00f3 de la part assignada com a donaci\u00f3. Aix\u00ed, Banca Etica va registrar un valor de CET1 i de total capital r\u00e0tio del 21,0 % i el 25,3 % respectivament (van ser del 19,9 % i el 24,2 % a finals del 2023). La solidesa est\u00e0 al punt hist\u00f2ric m\u00e0xim.<\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>L&#8217;evoluci\u00f3 del volum tamb\u00e9 va ser molt satisfact\u00f2ria:<\/p>\n\n\n\n<div style=\"height:28px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El cr\u00e8dit a l&#8217;economia social creix: <\/strong>els pr\u00e9stecs bruts de Banca Etica van assolir els 1.270 milions d&#8217;euros el desembre del 2024, fet que suposa un augment del 4,4 % respecte a l&#8217;any anterior. La propensi\u00f3 m\u00e9s gran de Banca \u00c8tica a concedir cr\u00e8dits en comparaci\u00f3 amb la mitjana del sistema bancari tamb\u00e9 es posa de manifest en les dades a llarg termini: en els cinc anys compresos entre el 2020 i el 2024, el cr\u00e8dit de Banca \u00c8tica va cr\u00e9ixer un +15,7 %. El tercer sector rep de manera estable una quota del voltant del 40 % dels pr\u00e9stecs concedits per Banca Etica a persones jur\u00eddiques.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:17px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>La bona tend\u00e8ncia en el desemborsament de cr\u00e8dits tamb\u00e9 es veu confirmada per les xifres del <strong>primer trimestre del 2025<\/strong>, quan es va produir un augment significatiu del cr\u00e8dit utilitzat, que ja ha augmentat en 24 milions d&#8217;euros (+1,9 % en comparaci\u00f3 amb finals del 2024). El pla estrat\u00e8gic de Banca Etica per als pr\u00f2xims quatre anys preveu refor\u00e7ar encara m\u00e9s el seu comprom\u00eds amb el cr\u00e8dit, amb un objectiu de creixement del 35 % durant el per\u00edode.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La recaptaci\u00f3 directa d&#8217;estalvi va cr\u00e9ixer gaireb\u00e9 al doble del ritme del sistema bancari<\/strong>: la recaptaci\u00f3 directa de clients va assolir els 2.609 milions d&#8217;euros a finals del 2024 (+4,6 % en comparaci\u00f3 amb el desembre del 2023).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>El Balan\u00e7 tamb\u00e9 mostra que:<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>La recaptaci\u00f3 indirecta a fons d&#8217;Etica Sgr <\/strong>va augmentar un +5,6 % interanual, a causa principalment a l&#8217;efecte mercat. Durant els 5 anys transcorreguts, el creixement global va ser del +27,5 %.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El <strong>capital social<\/strong> a finals del 2024 va assolir els 95,4 milions d&#8217;euros, +3,5 % respecte del desembre del 2023. El 2024 el nombre de socis va augmentar en 790.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:19px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Els <strong>pr\u00e9stecs<\/strong> <strong>morosos<\/strong> nets a finals del 2024 pujaven a 6,4 milions d&#8217;euros, \u00e9s a dir, el 0,52 % dels pr\u00e9stecs a clients. El valor dels pr\u00e9stecs deteriorats bruts a finals del 2024 pujava a 72,6 milions d&#8217;euros, la qual cosa correspon a una taxa de morositat del 5,6 %, superior a la del sistema perqu\u00e8 Banca Etica tamb\u00e9 limita al m\u00ednim l&#8217;alienaci\u00f3 de pr\u00e9stecs deteriorats per preservar al m\u00e0xim la relaci\u00f3 amb els clients, fins i tot en temps dif\u00edcils.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:26px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Les xifres tamb\u00e9 mostren un \u00fas creixent dels serveis que presta el banc als clients, que s&#8217;observa al <strong>creixement del total de comissions netes: superiors <\/strong>malgrat no haver introdu\u00eft cap nova partida de despeses ni augmentat les existents, i malgrat haver ofert descomptes a les comissions a les organitzacions amb problemes a causa de la pujada de tipus. El 2024, les comissions netes van augmentar globalment aproximadament mig mili\u00f3 d&#8217;euros (+2,5 %), principalment a causa de l&#8217;augment de les comissions dels fons d&#8217;Etica Sgr (+7,8 %) i de les comissions dels productes d&#8217;assegurances \u00e8tiques, que van cr\u00e9ixer un 63 %.&nbsp;&nbsp;<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Banca Etica va prosseguir la seva missi\u00f3, i va prestar especial atenci\u00f3 a les situacions de fragilitat: es van confirmar les mesures de suport als prestataris amb hipoteques a tipus variable (se\u2019n van beneficiar unes 800 fam\u00edlies) i es van reduir les quotes de les organitzacions amb problemes en uns 900.000 euros.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Fiare Banca Etica<\/strong><\/p>\n\n\n\n<div style=\"height:23px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Fiare ha continuat concentrant els seus esfor\u00e7os en l&#8217;activitat de concessi\u00f3 de finan\u00e7ament, per sobre de qualsevol altra, amb l&#8217;objectiu d&#8217;incrementar el seu impacte a la societat. El cr\u00e8dit a la clientela arriba als 125,6 milions d&#8217;euros, fet que suposa un creixement del 17 % sobre l&#8217;exercici precedent i s&#8217;ha produ\u00eft un creixement del 7 % en nombre de clients.<\/p>\n\n\n\n<div style=\"height:22px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><br><em>\u00abL&#8217;any 2024 es va tancar amb la confirmaci\u00f3 que Banca Etica i el grup gaudeixen d&#8217;una salut excel\u00b7lent (les millors r\u00e0tios de capital de la seva hist\u00f2ria) i creixen cont\u00ednuament en tots els indicadors. El grup tamb\u00e9 ha crescut en un actiu tan fonamental i estrat\u00e8gic com la seva plantilla, que ha passat a superar els 500 empleats. Vull agrair a tots els col\u00b7laboradors, socis i clients per haver triat el Grup Banca Etica i per haver fet possible demostrar de forma concreta, amb fets i xifres, el valor d&#8217;un projecte d&#8217;empresa social capa\u00e7 de cr\u00e9ixer cont\u00ednuament de forma harmoniosa i fidel als seus valors. La nostra tasca es veu reconeguda de manera cont\u00ednua i autoritzada en els diferents projectes que duem a terme, com ara un projecte de microcr\u00e8dits en col\u00b7laboraci\u00f3 amb C\u00e0ritas i la CEI, i les iniciatives amb el BEI per finan\u00e7ar empreses de dones, l\u2019acollida d\u2019immigrants i empreses socials en zones fr\u00e0gils. M\u00e9s enll\u00e0 de les xifres molt positives del balan\u00e7, hi continua havent una <\/em><a href=\"https:\/\/www.bancaetica.it\/area-stampa\/etica-sgr-quasi-il-90-dei-clienti-si-dichiara-soddisfatto-dei-fondi-e-li-consiglierebbe\/\"><em><u>alta satisfacci\u00f3 dels clients del Banc i d&#8217;Etica Sgr<\/u><\/em><\/a><em> que controlem des de fa anys i que aquest any ha perm\u00e8s incloure per primera vegada el banc en la classificaci\u00f3 dels millors bancs del m\u00f3n elaborada per Forbes, i ser reconegut com un dels millors gestors d&#8217;actius ESG segons l&#8217;estudi de l&#8217;Institut Alemany de Qualitat i Finances<\/em>\u00bb, diu <strong>Nazzareno Gabrielli, director general de Banca Etica.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/blockquote>\n\n\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1774,"featured_media":386340,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[11643],"tags":[],"coauthors":[5579],"class_list":["post-386354","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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