Η ενσωμάτωση κριτηρίων ESG στις τραπεζικές χορηγήσεις. Διεθνείς τάσεις και η εφαρμογή στην ελληνική τραπεζική αγορά
Integration of ESG criteria into banking lending practices :
international trends and empirical evidence from the Greek
banking sector
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Abstract
This Master's Thesis explores the integration of ESG (Environmental, Social, and Governance) criteria into banking finance, within the context of international trends and the Greek reality. The transition of modern societies toward sustainable development, aiming at environmental and social well-being and addressing climate change, has given rise to global and European initiatives (e.g., the Paris Agreement, the European Green Deal). These developments have highlighted the financial sector as a key driver of sustainable growth. The primary objective of this study is to analyze global trends in sustainable finance and to assess the extent to which banks, both in Greece and internationally, are incorporating ESG criteria into their financing activities. To this end, the research adopts a mixed-methods approach, combining a theoretical framework (through a literature review of international and Greek sources) with empirical analysis (based on both primary and secondary data relating to the Greek market). Among the main findings is the observation that internationally, financial institutions are continuously developing innovative financial instruments aimed at promoting sustainable investment (e.g., green bonds, sustainability-linked loans). Similarly, in Greece, several banking institutions have already launched related initiatives. Moreover, the empirical component investigates the quantification of ESG factors through ESG scores, as well as their influence on lending practices and investment decisions. In conclusion, there is a clear international shift toward comprehensive sustainable finance and the gradual integration of ESG principles into banking operations. Although the Greek banking sector has begun to align with this trajectory, further institutional support and strategic planning appear necessary for the full adoption of sustainability criteria. Within this context, the study provides specific recommendations to enhance the application of ESG criteria in bank lending, drawing on both international best practices and the unique characteristics of the Greek banking system
Postgraduate Studies Programme
Βιοοικονομία, Κυκλική Οικονομία και Βιώσιμη ΑνάπτυξηDepartment
Σχολή Οικονομικών, Επιχειρηματικών και Διεθνών Σπουδών. Τμήμα Οικονομικής ΕπιστήμηςNumber of pages
86Language
GreekCollections
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Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα