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Oferta bancária ESG para PME : o caso do grupo Crédito Agrícola
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Esta dissertação aborda a importância da oferta bancária ESG (ambiental, social e de governança) para as Pequenas e Médias Empresas (PME) em Portugal, com um Caso de Estudo focado no Grupo Crédito Agrícola (GCA). O estudo explora a história do GCA e do seu modelo de banca cooperativa, as suas iniciativas e compromissos de descarbonização, assim como a sua atual oferta ESG, financeira e não financeira, e como esta compara com a das principais instituições financeiras a atuar no mercado nacional. Centrando-se na literatura existente, a dissertação resume o histórico da Responsabilidade Social Corporativa e da Sustentabilidade, assim como a regulação europeia relativa às Finanças Sustentáveis, focada nas PME e no sector bancário. O estado atual da transição energética das PME é aqui estudado, quer através da literatura, quer através de entrevistas. O estudo revela como a Banca tem contribuído para a consciencialização e transição das empresas, mas também alerta para as necessidades de melhoria da oferta bancária ESG, além de identificar os principais desafios enfrentados pelas PME e pela Banca nacional. Apresenta-se uma Nota Pedagógica que coloca os alunos na posição de Responsável de Sustentabilidade do GCA, para que possam abordar os desafios colocados e apresentar as suas próprias soluções. Por último, este trabalho apresenta uma Proposta de Valor sobre como o GCA pode melhorar a sua oferta, alinhando-a com as necessidades emergentes de um mercado cada vez mais exigente em termos ambientais e sociais.
This dissertation addresses the importance of ESG (environmental, social, and governance) banking offer for Small and Medium Enterprises (SMEs) in Portugal, with a Case Study focused on the Crédito Agrícola Group (GCA). The study explores the history of GCA and its cooperative banking model, its decarbonization initiatives and commitments, as well as its current ESG offer, both financial and non-financial, and how these compare with those of the main financial institutions operating in the national market. Focusing on existing literature, the dissertation summarizes the history of Corporate Social Responsibility and Sustainability, as well as European regulation related to Sustainable Finance focused on SMEs and the banking sector. The current state of the energy transition of SMEs is studied here, both through literature and interviews. The study reveals how Banks have contributed to the awareness and transition of companies, but also the needs for improvement in ESG banking offer, in addition to identifying the main challenges faced by SMEs and Banks in Portugal. A Teaching Note is presented, placing the students in the position of the Sustainability Manager of GCA, so that they can address the challenges posed and present their own solutions. Finally, this work presents a Value Proposition on how GCA can improve its portfolio, aligning it with the emerging needs of an increasingly demanding market in environmental and social terms.
This dissertation addresses the importance of ESG (environmental, social, and governance) banking offer for Small and Medium Enterprises (SMEs) in Portugal, with a Case Study focused on the Crédito Agrícola Group (GCA). The study explores the history of GCA and its cooperative banking model, its decarbonization initiatives and commitments, as well as its current ESG offer, both financial and non-financial, and how these compare with those of the main financial institutions operating in the national market. Focusing on existing literature, the dissertation summarizes the history of Corporate Social Responsibility and Sustainability, as well as European regulation related to Sustainable Finance focused on SMEs and the banking sector. The current state of the energy transition of SMEs is studied here, both through literature and interviews. The study reveals how Banks have contributed to the awareness and transition of companies, but also the needs for improvement in ESG banking offer, in addition to identifying the main challenges faced by SMEs and Banks in Portugal. A Teaching Note is presented, placing the students in the position of the Sustainability Manager of GCA, so that they can address the challenges posed and present their own solutions. Finally, this work presents a Value Proposition on how GCA can improve its portfolio, aligning it with the emerging needs of an increasingly demanding market in environmental and social terms.
Descrição
Palavras-chave
Oferta bancária ESG para PME Responsabilidade social corporativa Finanças sustentáveis Sustentabilidade ESG banking offer for SMEs Corporate social responsibility Sustainable finance Sustainability
Contexto Educativo
Citação
Editora
Licença CC
Sem licença CC