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Percorrer por autor "Pinto, Joana Maria dos Santos"

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  • Corporate social innovation in sustainable banking : analysing ESG strategy and impact at banco CTT
    Publication . Pinto, Joana Maria dos Santos; Azevedo, Carlos
    This dissertation investigates how Banco CTT integrates ESG principles to foster CSI and generate value for sustainable finance. Guided by the research question – ‘How does Banco CTT use ESG principles to foster CSI and generate value for sustainable finance? - the study pursues three objectives: (1) to examine how ESG principles are embedded within the bank’s strategy and operations; (2) to evaluate how ESG initiatives contribute to its CSI agenda and value creation; and (3) to assess whether ESG-driven CSI holds transformative potential in the Portuguese banking sector. The research adopts a qualitative case study design, combining documentary analysis with semi-structured interviews. Findings show that ESG integration at Banco CTT is primarily shaped by regulatory and supervisory pressures, which have institutionalised sustainability into governance, risk management, and culture. Initiatives such as green mortgages, recycled debit cards, and financial literacy programmes illustrate incremental value creation. However, innovation remains selective, with environmental initiatives more advanced than social ones. Social innovation was described as “complicated” and “not necessarily profitable”, resulting in underdeveloped practices despite their importance for systemic CSI. Moreover, client interviews revealed limited awareness of ESG initiatives, highlighting a gap between institutional commitments and retail-level visibility. The study concludes that Banco CTT uses ESG as both compliance necessity and strategic opportunity, embedding it into operations while cautiously experimenting with innovation. This generates incremental CSI and modest value creation but falls short of systemic transformation. Recommendations include expanding socially inclusive products, strengthening impact reporting, and enhancing regulatory harmonisation to balance compliance with innovation.
    2025-10-13Dissertação de mestrado Acesso aberto Ver mais