Στρατηγικές βιώσιμης χρηματοδότησης και δράσεις των τραπεζών ως καταλυτών της οικονομικής μετάβασης
Sustainable finance strategies and banks' role as catalysts in the economic transition

Master Thesis
Author
Filtikaki, Eugenia
Φιλτικάκη, Ευγενία
Date
2026-03View/ Open
Keywords
Βιώσιμη χρηματοδότηση ; Net-Zero τραπεζική ; Δείκτης πράσινων στοιχείων ενεργητικού ; Ταξινομία ΕΕ ; Κλιματικός κίνδυνος ; Χρηματοδότηση μετάβασης ; Τραπεζική ρύθμιση ; ESG ; Απανθρακοποίηση ; Ευρωπαϊκές τράπεζες ; Ελληνικές τράπεζεςAbstract
This thesis investigates the evolving role of European banks as catalysts in the economic transition toward sustainability and climate neutrality. Through a comprehensive analysis of regulatory frameworks, internal banking strategies, and empirical data from a sample of major Greek and European banks, the study explores how sustainable finance is operationalized and how net-zero commitments are being implemented. The research highlights the rapid maturation of sustainable finance frameworks, the scaling of dedicated-purpose lending, and the integration of supervisory expectations into banking governance. However, it also identifies persistent gaps, including low Green Asset Ratios, uneven sectoral coverage, data limitations, and challenges in aligning portfolios with ambitious climate targets. The thesis concludes with actionable recommendations for banks and policymakers, emphasizing the need for methodological harmonization, enhanced data infrastructure, sector-specific transition planning, and robust client engagement to accelerate the financial sector’s contribution to a competitive and climate-neutral European economy.


