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Ethical banking

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information, legislation and market developments). Banks are experienced and capable of weighing risks and attaching a price to these risks; because of this banks can fulfill an important role in reducing the information asymmetry between market parties and allow them to make better decisions. When depositors allow a bank to invest for them they may assume that the bank will attempt to select investments to maximize their returns. However, if clients are concerned with more than the simple monetary return and they, for instance, are interested in the costs to society and to the environment, then they may turn to an ethical bank which takes their ethics and morality into account when investing.
2410:, fair sex and race representation, and the banks environmental standing. Environmentally, the potential combined effect of banks switching to more environmentally friendly practices (i.e. less paper use, less electrical use, solar power, energy efficient light bulbs, more conscientious employee travel policies with concern to commuting and air travel) is huge. However, when compared with many other sectors of the economy banks do not incur the same burden of energy, water and paper use. Many times such energy efficient changes are not based on moral concern but on cost efficiency. 2593:, Areti Bank and more. These banks have voluntarily undergone the Fossil Free Certified process, which involves submitting a signed declaration and evidence of their commitment to not financing fossil fuel companies or projects. The certification process is free of charge, and no bank can buy certification from the alliance. The Fossil Free Banking Alliance aims to help climate-conscious individuals discover the best bank for them, support banks in attracting like-minded employees, and raise awareness about the role of banks in financing the fossil fuel industry. 77: 3269: 322: 2472:
non-signatories." They concluded that, for codes to be more effective; regulators, monitors, and methods of enforcement need to be in place. This problem is similar to the problems faced by the fair trade movement. Both the fair trade movement and ethical banks rely on people to pay extra for known ethical goods. There is a limit to how much more people will pay for that guarantee, after that point, further initiatives will undercut the banks income and therefore are likely to not be followed.
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industry wide regulations. One way of raising the industry wide regulations would be for citizens to apply pressure on banks. Without this rise, it is difficult to impede unethical businesses from finding a bank to finance their projects. A rise in regulations that deal with moral topics is not out of the question. The current industry wide codes, for example, prohibit the financing of illegal drug production. This reflects the prominent societal morals against such drugs.
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is that such an examination would 'require interference' with a client's activities." While the desire not to interfere with the business of the client is valid, it could also be noted that banks are required to interfere in the business of their clients regularly to ensure that the clients’ business plan is viable before issuing them a loan. The kind of analysis that all banks partake in is termed a single
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industry could have self-regulating associations of producers, wholesale and retail businesses, and consumers. These associations would determine prices fair to all three groups. The state would not interfere with purely economic decisions but would be responsible for protecting human rights (this could include a minimum wage and safety in the workplace) and equality of its citizens' rights. (See Steiner's
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higher interest rate. Banks can also develop more sustainable products, such as environmental, social, or ethical investment funds. By investing selectively based on values, ethical banks can promote socially/environmentally responsible companies and penalize those who do not conform to these standards. But there is a risk that banks could simply adopt certain practices that make them appear ethical (see
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their business caused extensive environmental damage; taking some of the cost off of society as a whole and putting it on the company. This sort of tariff differentiation could stimulate the internalization of environmental costs in market prices. Through such price differentiation, banks have the potential to foster
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The Fossil Free Banking Alliance is an initiative launched by Bank.Green to identify and promote retail banks that refuse to do business with the fossil fuel industry. The alliance was established to fill the gap in the market for a centralized list of such banks. Currently the alliance is made up of
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made will either be invested into the community or will go back to the members in the form of "patronage rebates" (i.e. cheques). Credit unions focus on the members because they are also the owners, and on the communities in which they are situated. Credit unions put a higher focus on local community
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In the first category lies the issue of understanding how ethical banks measure or qualify their ethical policies. For example, when Vancity/Citizen Bank states ‘we seek to work with organizations that demonstrate a commitment to ethical business practices,’ the depositor is unable to understand what
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In general, bankers "consider themselves to be in a relatively environmentally friendly industry (in terms of emissions and pollution). However, given their potential exposure to risk, they have been surprisingly slow to examine the environmental performance of their clients. A stated reason for this
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However, credit unions do not necessarily have the same potential to cause widespread change in business practices as ethical banks do. This is because credit unions largely avoid the problem of funding unethical corporate/business activities by focusing on funding local businesses, which are easier
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Ethical banks cannot solely rely upon the legal system to determine whether or not a potential client has acted unethically or whether or not their future plans are unethical. This is because of the wide range of laws throughout the world. While a business may be lawful in the international setting,
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External ethics are concerned with the wider ramifications of banks actions. External ethics looks at the impacts that their business practices, such as who they loan to or invest in, will have on society and the environment. In applying external ethics, one looks at how the products of banks can be
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Another issue in this category is that of codes of conduct. Many ethical banks, as well as conventional banks, voluntarily join larger bodies that put forth certain regulations that, according to the rules set by the body, should be followed by members. Such outside bodies could act as overarching
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Losing business to banks that do not screen so strictly is a problem for ethical banks. Many times, ethical banks must work with much lower budgets because of this. Ethical banks exclusion of unethical borrowers often results in the borrowers going to other banks, this brings up the importance of
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the Ethical Policy requires that all business accounts are screened at the time of account opening by the staff person dealing with the member. Social and environmental risks of larger business banking loans (non-credit-scored loans) are assessed at the time of the loan application, guided by the
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Ethical banks excel in community involvement, as do other financial institutions such as credit unions. Community involvement is not limited to ethical banks as conventional banks also partake in such actions. The following are a few examples of community involvement done by ethical banks, credit
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Banks may be able to support progress toward sustainability by society as a whole—for example, by adopting a 'carrot-and-stick' approach, where environmental and social front-runners would pay less interest than the market price for borrowing capital, while environmental laggards would pay a much
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Some businesses externalize costs onto the environment and society. Aiming to create a more equitable distribution of costs in society, banks can raise interest rates or apply tariffs on loans given to clients and projects with high external costs. This would mean that companies would pay more if
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Other areas of ethical consumerism, such as fair trade labelling, have comprehensive codes and regulations which must be adhered to in order to be certified. Ethical banking has not developed to this point; because of this it is difficult to create a concrete definition that distinguishes ethical
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suggested that capitalism has the task of funding economic initiatives; capital should be directed into directions productive for society. He proposed that rather than prices being set through either the total control of government regulation, or the total lack of control of a free market, each
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In general, banks play an intermediary role in the economy; because of this, the possibility for banks to contribute to sustainable development is extensive. Banks have efficient and tested credit approval systems, which gives them a comparative advantage in knowledge (regarding sector-specific
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Numerous ethical banks (as well as some conventional banks) allow customers to contribute to organizations that have positive societal/environmental impacts either in the local community or in developing countries. Examples include an evaluation of the energy efficiency of a home and potential
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banks from conventional banks. Ethical banks are regulated by the same authorities as traditional banks and have to abide by the same rules. While there are differences between ethical banks, they do share a desire to uphold principles in the projects they finance, the most frequent including:
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According to Cowton, C. J., and P. Thompson, "banks that had signed the United Nations Environment Programme (UNEP) Statement, a voluntary industry code that promulgated environmental stewardship, transparency, and sustainable development, did not act significantly different than the
2436:‘seek’ means. These claims do not reveal to potential depositors how the bank evaluates or uses these statements. Even when given the opportunity to view an accountability report, it is difficult to truly understand what their screening processes are. For example, the 2283:
and social and/or environmental values. Ethical banks sometimes work with narrower profit margins than traditional ones, and therefore they may have few offices and operate mostly by phone, Internet, or mail. Ethical banking is considered one of several forms of
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this does not mean that the laws were up to the moral standards in which the bank originates. For example, extensive pollution and labor laws that would not be considered lawful in many developed countries are allowed in many lesser-developed countries.
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Banks are often reluctant to broaden the scope of their external ethical policies because of the significant nature of the changes. However, by incorporating ethics that account for societal costs in their practices, banks may improve their reputation.
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The environment is a key focus for ethical banks as well as for some conventional banks that believe adopting more environmentally ethical practices to be to their advantage. Banks operating in this field are often referred to as sustainable or
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Ethical banking is a relatively new sector and this relatively undeveloped nature causes some problems. These problems can be divided into two categories: the first concerns depositors, and the second concerns ethical banks.
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development than banks do. Most credit unions lend strictly to people and businesses in the community where the union is located. This fact leads credit unions to affect communities more positively than regular banks.
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and that putting standards and regulations in place that rest on the basic morals of society should not conflict with the free market, but are actually an important part of the proper functioning of the free market.
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are not banks but they offer many of the same services as banks (e.g. investment opportunities, commercial and business loans, checking & savings accounts, etc.). Credit unions are member-owned rather than
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This statement does not give the reader the information they need to understand the criteria used in assessing clients. However, statistics, such as that given by the
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in the Netherlands. It is currently made up of 27 of the world’s leading sustainable banks, from Asia, Africa, Latin America to North America and Europe.
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suggested that the extreme disconnection between market actions and morals was never the intent of the market economy's founding thinkers, specifically
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institutions that could guarantee a certain level of conformance with certain regulations. An example of this in the United States is the
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Paul Thompson & Christopher J. Cowton, "Bringing the Environment into Bank Lending: Implications for Environmental Reporting",
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Please help improve this article by looking for better, more reliable sources. Unreliable citations may be challenged and removed.
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improvements in this; carbon-offsets; credit cards that benefit charities or lower interest rate loans for low emission cars.
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analysis (an analysis that takes into account environmental, social, and financial performance) would be any more intrusive.
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Conventional banks deal with mostly internal ethics, ethical banks add to internal concerns by applying external ethics.
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concerned with the social and environmental impacts of its investments and loans. The ethical banking movement includes:
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Christopher J. Cowton & Paul Thompson, "Do Codes Make a Difference? The Case of Bank Lending and the Environment",
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Internal ethics are concerned with the well being of employees, employee and customer satisfaction, benefits, wages,
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One argument against regulating banks is that the regulations would violate the proper functioning of the
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analysis (this analysis only considers financial performance). It is arguable whether or not performing a
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to monitor and arguably less capable of generating wide-reaching social and environmental benefit.
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Financially support community events (for ex. each year TD Canada trust donates to a local cause).
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that states a Knowledge editor's personal feelings or presents an original argument about a topic.
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used unethically, for example how borrowers use the money that is lent out by the bank.
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Bank concerned with the social and environmental impacts of its investments and loans
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Are ethical banks different? A comparative analysis using the radical affinity
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Bruyn, S. T. "The Moral Economy" Review of Social Economy 57.1 (1999): 25–46.
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for 2006/07 (for Van City credit union and Citizens Bank in Canada) states:
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Mainstream financial banks have had varying relationships with
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External ethics: products of the banks’ relationships/products
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Affordable housing projects (ex. Vancity & Citizens bank)
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personal reflection, personal essay, or argumentative essay
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Environmentally and socially conscious business practices
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UN Conference on the Human Environment (Stockholm 1972)
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Towards social renewal: rethinking the basis of society
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Projects to improve financial literacy in the community
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Gabv.org. 2015-04-11. 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packaging 3625:Product certification 3424:Life-cycle assessment 3343:Performance indicator 3234:Social responsibility 3199:Organizational ethics 3129:social responsibility 3040:National Public Radio 2861:Beneficial State Bank 2587:The Co-operative Bank 2442: 2346:Community involvement 1956:Urban forest inequity 1946:Social responsibility 1800:Zero heating building 1614:Environmental finance 1542:Social cost of carbon 1150:Too connected to fail 911:Investment management 809:Environmental finance 668:Correspondent account 362:Community development 4533:Urban infrastructure 4227:Water heat recycling 4050:Conservation biology 3894:Steady-state economy 3869:Micro-sustainability 3854:Ecological footprint 3811:Planetary boundaries 3630:Public participation 3565:Conflict of interest 3155:inequality in the UK 3147:in the United States 3139:Environmental racism 2023:Psychology of denial 1856:Environmental racism 1795:Zero-energy building 1718:Mitigation economics 1609:Environmental design 1594:Ecological economics 1292:Ecological footprint 1048:Exchange traded fund 926:Mathematical finance 886:Fundamental analysis 881:Full-reserve banking 487:Bank holding company 397:Export credit agency 305:Part of a series on 206:improve this article 4634:Earth Summit (1992) 4288:Metrics and indices 4141:Sustainable fishery 4060:Holocene extinction 3879:Product stewardship 3849:Earth Overshoot Day 3600:Ethical consumerism 3550:Benefit corporation 3442:metrics and indices 3244:Sullivan principles 3159:injustice in Europe 2991:, Green Bank Report 2649:Sustainable finance 2496:free market economy 2337:Ethical initiatives 2286:alternative banking 2269:ethical consumerism 2103:Conspiracy theories 1866:Ethical consumerism 1475:Autonomous building 1396:Infectious diseases 1322:Effects of aviation 1140:Time value of money 966:Statistical finance 956:Sustainable finance 906:Investment advisory 548:Time deposit (Bond) 4093:Sustainable energy 4055:Endangered species 4012:Sustainable design 3926:Consumer behaviour 3688:Environment portal 3460:Triple bottom line 3388:Emission inventory 3293:Double bottom line 3239:Stakeholder theory 2639:Equator Principles 2490:Wall Street reform 2388:triple bottom line 2302:ethical investment 2253:ethical investment 2231:, also known as a 2123:Individual actions 2093:Climate governance 1891:Indigenous peoples 1758:Consumer behaviour 1713:Low-carbon economy 1510:Net zero emissions 1248:Climate change and 1115:Security (finance) 1090:History of banking 986:Structured product 981:Structured finance 794:Economic expansion 307:financial services 152:encyclopedic style 139:is written like a 4746: 4745: 4672:Earth Summit 2002 4655:Lisbon Principles 4627:Our Common Future 4305:Sustainable yield 4111:Civic agriculture 3864:Green consumption 3801:Global governance 3723: 3722: 3640:Social enterprise 3545:Bangladesh Accord 3405:management system 3401:impact assessment 3378:Carbon accounting 3308:Impact assessment 3259:UN Global Compact 3151:in Western Europe 3103:Aarhus Convention 2888:www.aretibank.com 2810:businessgreen.com 2273:social enterprise 2257:impact investment 2225: 2224: 2088:Political economy 1490:Carbon accounting 1359:Tropical cyclones 1280:Urban heat island 1233: 1232: 1028:Corporate finance 1023:Capital structure 998: 997: 769:Corporate finance 589: 588: 300: 299: 292: 282: 281: 274: 256: 221:"Ethical banking" 180: 179: 172: 122: 121: 114: 68: 16:(Redirected from 4771: 4713: 4712: 4701: 4700: 4645:Agenda 21 (1992) 4616: 4581:Natural resource 4468:Organic movement 4443:Impact investing 4162:Hydroelectricity 4136:Sustainable diet 4088:Renewable energy 4083:Carbon footprint 4065:Invasive species 4002:Natural building 3953:World population 3914:Marketing myopia 3874:Over-consumption 3844:Circular economy 3839:Anti-consumerism 3796:Environmentalism 3750: 3743: 3736: 3727: 3726: 3706: 3705: 3696: 3695: 3686: 3271: 3189:Little Eichmanns 3070: 3063: 3056: 3047: 3046: 3042:, July 18, 2013. 2955: 2954: 2952: 2951: 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Bruyn 2451:Cooperative Bank 2245:sustainable bank 2217: 2210: 2203: 2185: 2184: 2173: 2172: 2166: 2162: 2161: 2160: 2098:Climate movement 2068:Green liberalism 2053:Climate movement 1861:Environmentalism 1812:Social issues · 1723:Natural building 1629:Green accounting 1604:Energy economics 1549:Circular economy 1485:Carbon footprint 1427:Coastal flooding 1297:Ecological grief 1235: 1234: 1225: 1218: 1211: 1195: 1185: 1184: 1175: 1174: 1105:Personal finance 1038:Equity (finance) 901:Impact investing 891:Growth investing 799:Enterprise value 706: 705: 517: 516: 472:Savings and loan 324: 302: 301: 295: 288: 277: 270: 266: 263: 257: 255: 214: 190: 182: 175: 168: 164: 161: 155: 132: 131: 124: 117: 110: 106: 103: 97: 79: 71: 60: 38: 37: 30: 21: 4779: 4778: 4774: 4773: 4772: 4770: 4769: 4768: 4759:Ethical banking 4749: 4748: 4747: 4742: 4689: 4614: 4606: 4605:Agreements and 4600: 4537: 4341:Climate finance 4309: 4236: 4192:Reclaimed water 4145: 4097: 4069: 4026: 3980: 3966:Family planning 3947: 3820: 3777: 3759: 3754: 3724: 3719: 3674: 3533: 3490: 3464: 3369: 3362: 3358:Whole-life cost 3288:Corporate crime 3279: 3272: 3263: 3194:Loss and damage 3164:Ethical banking 3108:Climate justice 3095: 3086: 3074: 3015: 2987:Clark Schultz, 2963: 2961:Further reading 2958: 2949: 2947: 2942: 2941: 2937: 2928: 2926: 2921: 2920: 2916: 2907: 2905: 2900: 2899: 2895: 2880: 2876: 2866: 2864: 2855: 2854: 2850: 2840: 2838: 2829: 2828: 2824: 2814: 2812: 2802: 2798: 2789: 2787: 2778: 2777: 2773: 2764: 2762: 2757: 2756: 2752: 2741: 2737: 2732: 2728: 2718: 2716: 2708: 2707: 2703: 2693: 2691: 2680: 2676: 2665: 2661: 2657: 2609: 2604: 2602: 2599: 2582: 2572:in the US, and 2564:in Bangladesh, 2554: 2549: 2524: 2492: 2486: 2466:second category 2425: 2416: 2404: 2396: 2371: 2348: 2339: 2314: 2294: 2221: 2158: 2156: 2155: 2148: 2147: 2143:Paris Agreement 2048: 2038: 2037: 2006:Popular culture 1981: 1971: 1970: 1896:Just transition 1826:Climate justice 1816: 1805: 1804: 1701:Risk management 1624:Ethical banking 1564:Climate finance 1470: 1456: 1455: 1422:Coastal erosion 1381:Desertification 1334:Extreme weather 1265: 1249: 1229: 1164: 1163: 1145:Too big to fail 1130:Systematic risk 1043:Ethical banking 1033:Cost of capital 1008: 1000: 999: 946:Private banking 916:Islamic banking 896:Hedge (finance) 819:Ethical banking 789:Economic bubble 764:Climate finance 739:Bank regulation 703: 695: 694: 653:Instant payment 599: 591: 590: 514: 497: 496: 332: 296: 285: 284: 283: 278: 267: 261: 258: 215: 213: 203: 191: 176: 165: 159: 156: 148:help improve it 145: 133: 129: 118: 107: 101: 98: 95: 80: 39: 35: 28: 23: 22: 15: 12: 11: 5: 4777: 4767: 4766: 4761: 4744: 4743: 4741: 4740: 4733: 4726: 4719: 4707: 4694: 4691: 4690: 4688: 4687: 4681: 4680:(Rio+20, 2012) 4675: 4669: 4664: 4658: 4652: 4647: 4642: 4636: 4631: 4623: 4618: 4610: 4608: 4602: 4601: 4599: 4598: 4593: 4588: 4583: 4578: 4573: 4568: 4563: 4558: 4553: 4547: 4545: 4539: 4538: 4536: 4535: 4530: 4525: 4520: 4515: 4510: 4505: 4500: 4495: 4490: 4485: 4480: 4475: 4470: 4465: 4460: 4455: 4450: 4445: 4440: 4435: 4434: 4433: 4428: 4426:Infrastructure 4423: 4413: 4408: 4403: 4398: 4393: 4388: 4383: 4378: 4373: 4368: 4363: 4358: 4356:Eco-capitalism 4353: 4348: 4343: 4338: 4333: 4328: 4323: 4317: 4315: 4311: 4310: 4308: 4307: 4302: 4301: 4300: 4295: 4290: 4285: 4280: 4273:Sustainability 4270: 4265: 4260: 4255: 4250: 4244: 4242: 4241:Accountability 4238: 4237: 4235: 4234: 4229: 4224: 4219: 4214: 4209: 4204: 4199: 4194: 4189: 4184: 4179: 4174: 4169: 4164: 4159: 4153: 4151: 4147: 4146: 4144: 4143: 4138: 4133: 4128: 4123: 4118: 4113: 4107: 4105: 4099: 4098: 4096: 4095: 4090: 4085: 4079: 4077: 4071: 4070: 4068: 4067: 4062: 4057: 4052: 4047: 4042: 4036: 4034: 4028: 4027: 4025: 4024: 4019: 4014: 4009: 4004: 3999: 3994: 3988: 3986: 3982: 3981: 3979: 3978: 3973: 3968: 3963: 3957: 3955: 3949: 3948: 3946: 3945: 3940: 3935: 3934: 3933: 3928: 3918: 3917: 3916: 3911: 3906: 3899:Sustainability 3896: 3891: 3886: 3881: 3876: 3871: 3866: 3861: 3856: 3851: 3846: 3841: 3836: 3834:Anthropization 3830: 3828: 3822: 3821: 3819: 3818: 3813: 3808: 3803: 3798: 3793: 3787: 3785: 3779: 3778: 3776: 3775: 3770: 3764: 3761: 3760: 3757:Sustainability 3753: 3752: 3745: 3738: 3730: 3721: 3720: 3718: 3717: 3712: 3700: 3690: 3679: 3676: 3675: 3673: 3672: 3667: 3657: 3652: 3647: 3642: 3637: 3632: 3627: 3622: 3617: 3612: 3607: 3602: 3597: 3592: 3587: 3582: 3577: 3572: 3567: 3562: 3557: 3552: 3547: 3541: 3539: 3535: 3534: 3532: 3531: 3526: 3516: 3506: 3500: 3498: 3492: 3491: 3489: 3488: 3483: 3481:GxP guidelines 3478: 3472: 3470: 3466: 3465: 3463: 3462: 3457: 3452: 3431: 3426: 3421: 3416: 3411: 3390: 3385: 3380: 3374: 3372: 3364: 3363: 3361: 3360: 3355: 3350: 3345: 3340: 3335: 3330: 3325: 3319: 3314: 3305: 3300: 3295: 3290: 3284: 3282: 3274: 3273: 3266: 3264: 3262: 3261: 3256: 3251: 3246: 3241: 3236: 3231: 3229:Social justice 3226: 3221: 3216: 3211: 3206: 3201: 3196: 3191: 3186: 3181: 3176: 3171: 3166: 3161: 3136: 3131: 3125:responsibility 3110: 3105: 3099: 3097: 3088: 3087: 3084:accountability 3073: 3072: 3065: 3058: 3050: 3044: 3043: 3034: 3028: 3022: 3014: 3013:External links 3011: 3010: 3009: 2999: 2992: 2985: 2978: 2962: 2959: 2957: 2956: 2935: 2914: 2893: 2874: 2863:. 5 April 2022 2848: 2822: 2796: 2771: 2750: 2735: 2726: 2701: 2674: 2658: 2656: 2653: 2652: 2651: 2646: 2641: 2636: 2631: 2629:Climate ethics 2626: 2621: 2615: 2614: 2598: 2595: 2581: 2578: 2553: 2550: 2548: 2545: 2523: 2520: 2511:Rudolf Steiner 2485: 2482: 2424: 2421: 2415: 2412: 2403: 2400: 2395: 2392: 2370: 2367: 2366: 2365: 2362: 2359: 2356: 2347: 2344: 2338: 2335: 2323:sustainability 2313: 2310: 2293: 2290: 2223: 2222: 2220: 2219: 2212: 2205: 2197: 2194: 2193: 2192: 2191: 2179: 2167: 2150: 2149: 2146: 2145: 2140: 2138:Kyoto Protocol 2135: 2133:UN conferences 2130: 2125: 2120: 2115: 2110: 2105: 2100: 2095: 2090: 2085: 2080: 2078:Green politics 2075: 2070: 2065: 2060: 2058:Eco-capitalism 2055: 2049: 2044: 2043: 2040: 2039: 2036: 2035: 2030: 2028:Public opinion 2025: 2020: 2019: 2018: 2013: 2003: 2001:Media coverage 1998: 1993: 1988: 1986:Climate crisis 1982: 1977: 1976: 1973: 1972: 1969: 1968: 1963: 1958: 1953: 1948: 1943: 1938: 1933: 1928: 1923: 1918: 1913: 1908: 1903: 1898: 1893: 1888: 1883: 1878: 1873: 1868: 1863: 1858: 1853: 1848: 1843: 1838: 1833: 1828: 1823: 1817: 1811: 1810: 1807: 1806: 1803: 1802: 1797: 1792: 1787: 1786: 1785: 1780: 1775: 1770: 1765: 1760: 1755: 1750: 1745: 1740: 1730: 1725: 1720: 1715: 1710: 1709: 1708: 1703: 1698: 1693: 1688: 1678: 1673: 1671:Green recovery 1668: 1663: 1658: 1657: 1656: 1649:Green building 1646: 1641: 1636: 1631: 1626: 1621: 1616: 1611: 1606: 1601: 1596: 1591: 1586: 1581: 1576: 1571: 1566: 1561: 1556: 1551: 1546: 1545: 1544: 1539: 1534: 1529: 1524: 1514: 1513: 1512: 1507: 1502: 1497: 1492: 1482: 1477: 1471: 1462: 1461: 1458: 1457: 1454: 1453: 1452: 1451: 1449:Water scarcity 1446: 1439:Water security 1436: 1431: 1430: 1429: 1424: 1417:Sea level rise 1414: 1409: 1408: 1407: 1398: 1393: 1388: 1383: 1378: 1368: 1367: 1366: 1361: 1356: 1351: 1346: 1341: 1331: 1330: 1329: 1324: 1319: 1314: 1304: 1299: 1294: 1289: 1284: 1283: 1282: 1272: 1266: 1257: 1256: 1253: 1252: 1244: 1243: 1231: 1230: 1228: 1227: 1220: 1213: 1205: 1202: 1201: 1200: 1199: 1189: 1179: 1166: 1165: 1162: 1161: 1158: 1157: 1152: 1147: 1142: 1137: 1132: 1127: 1122: 1117: 1112: 1110:Public finance 1107: 1102: 1097: 1092: 1087: 1086: 1085: 1080: 1075: 1070: 1065: 1055: 1050: 1045: 1040: 1035: 1030: 1025: 1020: 1018:Bond (finance) 1015: 1009: 1007:Related topics 1006: 1005: 1002: 1001: 996: 995: 994: 993: 988: 983: 978: 973: 968: 963: 958: 953: 951:Sustainability 948: 943: 938: 936:Money creation 933: 931:Mobile banking 928: 923: 918: 913: 908: 903: 898: 893: 888: 883: 878: 873: 872: 871: 866: 861: 856: 851: 846: 841: 836: 831: 821: 816: 811: 806: 801: 796: 791: 786: 781: 776: 771: 766: 761: 756: 751: 746: 741: 736: 731: 726: 725: 724: 719: 704: 701: 700: 697: 696: 693: 692: 687: 682: 677: 672: 671: 670: 660: 655: 650: 645: 644: 643: 638: 628: 627: 626: 621: 611: 606: 600: 598:Funds transfer 597: 596: 593: 592: 587: 586: 585: 584: 579: 574: 569: 561: 560: 556: 555: 551: 550: 545: 540: 535: 530: 528:Christmas club 522: 521: 515: 503: 502: 499: 498: 493:Lists of banks 490: 489: 484: 479: 474: 469: 464: 459: 454: 449: 447:Postal savings 444: 439: 434: 429: 424: 422:Mutual savings 419: 414: 409: 404: 399: 394: 389: 384: 379: 374: 369: 364: 359: 354: 349: 344: 339: 333: 331:Types of banks 330: 329: 326: 325: 317: 316: 310: 309: 298: 297: 280: 279: 194: 192: 185: 178: 177: 136: 134: 127: 120: 119: 86:listed sources 83: 81: 74: 69: 43: 42: 40: 33: 26: 9: 6: 4: 3: 2: 4776: 4765: 4762: 4760: 4757: 4756: 4754: 4739: 4738: 4734: 4732: 4731: 4727: 4725: 4724: 4720: 4718: 4717: 4708: 4706: 4705: 4696: 4695: 4692: 4685: 4682: 4679: 4676: 4673: 4670: 4668: 4665: 4662: 4661:Earth Charter 4659: 4656: 4653: 4651: 4648: 4646: 4643: 4640: 4637: 4635: 4632: 4630: 4628: 4624: 4622: 4619: 4617: 4612: 4611: 4609: 4603: 4597: 4594: 4592: 4589: 4587: 4584: 4582: 4579: 4577: 4574: 4572: 4569: 4567: 4564: 4562: 4559: 4557: 4554: 4552: 4551:Environmental 4549: 4548: 4546: 4544: 4540: 4534: 4531: 4529: 4526: 4524: 4521: 4519: 4516: 4514: 4511: 4509: 4506: 4504: 4501: 4499: 4496: 4494: 4491: 4489: 4486: 4484: 4483:Refurbishment 4481: 4479: 4476: 4474: 4473:Organizations 4471: 4469: 4466: 4464: 4461: 4459: 4456: 4454: 4451: 4449: 4446: 4444: 4441: 4439: 4436: 4432: 4429: 4427: 4424: 4422: 4419: 4418: 4417: 4414: 4412: 4409: 4407: 4404: 4402: 4399: 4397: 4394: 4392: 4389: 4387: 4386:Green economy 4384: 4382: 4379: 4377: 4374: 4372: 4371:Eco-socialism 4369: 4367: 4366:Eco-investing 4364: 4362: 4359: 4357: 4354: 4352: 4351:Disinvestment 4349: 4347: 4344: 4342: 4339: 4337: 4334: 4332: 4329: 4327: 4324: 4322: 4319: 4318: 4316: 4312: 4306: 4303: 4299: 4296: 4294: 4291: 4289: 4286: 4284: 4281: 4279: 4276: 4275: 4274: 4271: 4269: 4266: 4264: 4261: 4259: 4256: 4254: 4251: 4249: 4246: 4245: 4243: 4239: 4233: 4230: 4228: 4225: 4223: 4220: 4218: 4215: 4213: 4210: 4208: 4205: 4203: 4200: 4198: 4195: 4193: 4190: 4188: 4185: 4183: 4180: 4178: 4175: 4173: 4172:Marine energy 4170: 4168: 4165: 4163: 4160: 4158: 4155: 4154: 4152: 4148: 4142: 4139: 4137: 4134: 4132: 4129: 4127: 4126:Cultured meat 4124: 4122: 4119: 4117: 4114: 4112: 4109: 4108: 4106: 4104: 4100: 4094: 4091: 4089: 4086: 4084: 4081: 4080: 4078: 4076: 4072: 4066: 4063: 4061: 4058: 4056: 4053: 4051: 4048: 4046: 4043: 4041: 4038: 4037: 4035: 4033: 4029: 4023: 4020: 4018: 4015: 4013: 4010: 4008: 4005: 4003: 4000: 3998: 3995: 3993: 3990: 3989: 3987: 3983: 3977: 3974: 3972: 3969: 3967: 3964: 3962: 3959: 3958: 3956: 3954: 3950: 3944: 3941: 3939: 3936: 3932: 3929: 3927: 3924: 3923: 3922: 3919: 3915: 3912: 3910: 3907: 3905: 3902: 3901: 3900: 3897: 3895: 3892: 3890: 3887: 3885: 3884:Simple living 3882: 3880: 3877: 3875: 3872: 3870: 3867: 3865: 3862: 3860: 3857: 3855: 3852: 3850: 3847: 3845: 3842: 3840: 3837: 3835: 3832: 3831: 3829: 3827: 3823: 3817: 3814: 3812: 3809: 3807: 3804: 3802: 3799: 3797: 3794: 3792: 3789: 3788: 3786: 3784: 3780: 3774: 3771: 3769: 3766: 3765: 3762: 3758: 3751: 3746: 3744: 3739: 3737: 3732: 3731: 3728: 3716: 3715:Organizations 3713: 3711: 3710: 3701: 3699: 3691: 3689: 3685: 3681: 3680: 3677: 3671: 3668: 3665: 3661: 3658: 3656: 3653: 3651: 3648: 3646: 3643: 3641: 3638: 3636: 3633: 3631: 3628: 3626: 3623: 3621: 3618: 3616: 3613: 3611: 3608: 3606: 3603: 3601: 3598: 3596: 3593: 3591: 3588: 3586: 3583: 3581: 3578: 3576: 3575:Disinvestment 3573: 3571: 3568: 3566: 3563: 3561: 3558: 3556: 3553: 3551: 3548: 3546: 3543: 3542: 3540: 3536: 3530: 3527: 3524: 3523:certification 3520: 3517: 3514: 3513:certification 3510: 3509:Environmental 3507: 3505: 3502: 3501: 3499: 3497: 3493: 3487: 3484: 3482: 3479: 3477: 3474: 3473: 3471: 3467: 3461: 3458: 3456: 3453: 3451: 3447: 3443: 3439: 3435: 3432: 3430: 3427: 3425: 3422: 3420: 3417: 3415: 3412: 3410: 3406: 3402: 3398: 3394: 3391: 3389: 3386: 3384: 3381: 3379: 3376: 3375: 3373: 3371: 3368:Environmental 3365: 3359: 3356: 3354: 3351: 3349: 3346: 3344: 3341: 3339: 3336: 3334: 3331: 3329: 3326: 3323: 3320: 3318: 3315: 3313: 3312:environmental 3309: 3306: 3304: 3301: 3299: 3296: 3294: 3291: 3289: 3286: 3285: 3283: 3281: 3275: 3270: 3260: 3257: 3255: 3252: 3250: 3247: 3245: 3242: 3240: 3237: 3235: 3232: 3230: 3227: 3225: 3222: 3220: 3217: 3215: 3212: 3210: 3207: 3205: 3202: 3200: 3197: 3195: 3192: 3190: 3187: 3185: 3182: 3180: 3177: 3175: 3172: 3170: 3167: 3165: 3162: 3160: 3156: 3152: 3148: 3144: 3140: 3137: 3135: 3132: 3130: 3126: 3122: 3118: 3114: 3111: 3109: 3106: 3104: 3101: 3100: 3098: 3093: 3089: 3085: 3082: 3081:environmental 3078: 3071: 3066: 3064: 3059: 3057: 3052: 3051: 3048: 3041: 3038: 3035: 3032: 3029: 3026: 3023: 3020: 3017: 3016: 3008: 3004: 3000: 2997: 2993: 2990: 2986: 2983: 2979: 2977: 2976:1-57675-358-1 2973: 2969: 2965: 2964: 2945: 2939: 2924: 2918: 2903: 2897: 2890:. Areti Bank. 2889: 2885: 2878: 2862: 2858: 2852: 2836: 2832: 2826: 2811: 2807: 2800: 2786:on 2013-05-28 2785: 2781: 2775: 2760: 2754: 2746: 2739: 2730: 2715: 2711: 2705: 2689: 2685: 2678: 2670: 2663: 2659: 2650: 2647: 2645: 2642: 2640: 2637: 2635: 2632: 2630: 2627: 2625: 2622: 2620: 2619:Bankers' bank 2617: 2616: 2612: 2601: 2594: 2592: 2588: 2577: 2575: 2571: 2567: 2563: 2559: 2544: 2540: 2537: 2533: 2528: 2527:Credit unions 2519: 2517: 2512: 2508: 2505: 2501: 2497: 2491: 2481: 2477: 2473: 2469: 2467: 2462: 2460: 2454: 2452: 2446: 2441: 2439: 2433: 2429: 2420: 2411: 2409: 2399: 2391: 2389: 2385: 2379: 2377: 2363: 2360: 2357: 2354: 2353: 2352: 2343: 2334: 2332: 2326: 2324: 2318: 2309: 2307: 2303: 2299: 2289: 2287: 2282: 2276: 2274: 2270: 2266: 2262: 2258: 2254: 2250: 2246: 2242: 2238: 2234: 2230: 2218: 2213: 2211: 2206: 2204: 2199: 2198: 2196: 2195: 2190: 2189: 2180: 2178: 2177: 2168: 2165: 2154: 2153: 2152: 2151: 2144: 2141: 2139: 2136: 2134: 2131: 2129: 2126: 2124: 2121: 2119: 2116: 2114: 2111: 2109: 2106: 2104: 2101: 2099: 2096: 2094: 2091: 2089: 2086: 2084: 2081: 2079: 2076: 2074: 2073:Eco-socialism 2071: 2069: 2066: 2064: 2061: 2059: 2056: 2054: 2051: 2050: 2047: 2042: 2041: 2034: 2031: 2029: 2026: 2024: 2021: 2017: 2014: 2012: 2009: 2008: 2007: 2004: 2002: 1999: 1997: 1994: 1992: 1989: 1987: 1984: 1983: 1980: 1979:Communication 1975: 1974: 1967: 1964: 1962: 1959: 1957: 1954: 1952: 1949: 1947: 1944: 1942: 1939: 1937: 1934: 1932: 1931:Queer ecology 1929: 1927: 1924: 1922: 1919: 1917: 1914: 1912: 1909: 1907: 1904: 1902: 1899: 1897: 1894: 1892: 1889: 1887: 1884: 1882: 1879: 1877: 1874: 1872: 1869: 1867: 1864: 1862: 1859: 1857: 1854: 1852: 1849: 1847: 1844: 1842: 1839: 1837: 1834: 1832: 1829: 1827: 1824: 1822: 1819: 1818: 1815: 1809: 1808: 1801: 1798: 1796: 1793: 1791: 1788: 1784: 1781: 1779: 1776: 1774: 1771: 1769: 1766: 1764: 1761: 1759: 1756: 1754: 1751: 1749: 1746: 1744: 1741: 1739: 1736: 1735: 1734: 1731: 1729: 1726: 1724: 1721: 1719: 1716: 1714: 1711: 1707: 1706:Vulnerability 1704: 1702: 1699: 1697: 1694: 1692: 1689: 1687: 1684: 1683: 1682: 1679: 1677: 1674: 1672: 1669: 1667: 1664: 1662: 1661:Green economy 1659: 1655: 1652: 1651: 1650: 1647: 1645: 1642: 1640: 1637: 1635: 1632: 1630: 1627: 1625: 1622: 1620: 1617: 1615: 1612: 1610: 1607: 1605: 1602: 1600: 1597: 1595: 1592: 1590: 1587: 1585: 1582: 1580: 1577: 1575: 1572: 1570: 1567: 1565: 1562: 1560: 1557: 1555: 1552: 1550: 1547: 1543: 1540: 1538: 1535: 1533: 1530: 1528: 1525: 1523: 1522:Carbon bubble 1520: 1519: 1518: 1515: 1511: 1508: 1506: 1503: 1501: 1498: 1496: 1493: 1491: 1488: 1487: 1486: 1483: 1481: 1478: 1476: 1473: 1472: 1469: 1465: 1460: 1459: 1450: 1447: 1445: 1442: 1441: 1440: 1437: 1435: 1432: 1428: 1425: 1423: 1420: 1419: 1418: 1415: 1413: 1410: 1406: 1402: 1401:Mental health 1399: 1397: 1394: 1392: 1389: 1387: 1384: 1382: 1379: 1377: 1374: 1373: 1372: 1371:Food security 1369: 1365: 1362: 1360: 1357: 1355: 1352: 1350: 1347: 1345: 1342: 1340: 1337: 1336: 1335: 1332: 1328: 1325: 1323: 1320: 1318: 1315: 1313: 1310: 1309: 1308: 1307:Environmental 1305: 1303: 1300: 1298: 1295: 1293: 1290: 1288: 1285: 1281: 1278: 1277: 1276: 1273: 1271: 1268: 1267: 1264: 1260: 1255: 1254: 1251: 1246: 1245: 1241: 1237: 1236: 1226: 1221: 1219: 1214: 1212: 1207: 1206: 1204: 1203: 1198: 1194: 1190: 1188: 1180: 1178: 1170: 1169: 1168: 1167: 1160: 1159: 1156: 1155:Watered stock 1153: 1151: 1148: 1146: 1143: 1141: 1138: 1136: 1135:Systemic risk 1133: 1131: 1128: 1126: 1123: 1121: 1118: 1116: 1113: 1111: 1108: 1106: 1103: 1101: 1098: 1096: 1095:List of banks 1093: 1091: 1088: 1084: 1081: 1079: 1076: 1074: 1071: 1069: 1066: 1064: 1061: 1060: 1059: 1056: 1054: 1051: 1049: 1046: 1044: 1041: 1039: 1036: 1034: 1031: 1029: 1026: 1024: 1021: 1019: 1016: 1014: 1013:Asset pricing 1011: 1010: 1004: 1003: 992: 989: 987: 984: 982: 979: 977: 974: 972: 969: 967: 964: 962: 959: 957: 954: 952: 949: 947: 944: 942: 939: 937: 934: 932: 929: 927: 924: 922: 919: 917: 914: 912: 909: 907: 904: 902: 899: 897: 894: 892: 889: 887: 884: 882: 879: 877: 874: 870: 867: 865: 862: 860: 857: 855: 852: 850: 847: 845: 842: 840: 837: 835: 832: 830: 827: 826: 825: 822: 820: 817: 815: 812: 810: 807: 805: 802: 800: 797: 795: 792: 790: 787: 785: 784:Eco-investing 782: 780: 777: 775: 774:Disinvestment 772: 770: 767: 765: 762: 760: 757: 755: 754:Capital asset 752: 750: 747: 745: 742: 740: 737: 735: 732: 730: 727: 723: 720: 718: 715: 714: 713: 710: 709: 708: 707: 699: 698: 691: 688: 686: 683: 681: 678: 676: 673: 669: 666: 665: 664: 661: 659: 656: 654: 651: 649: 646: 642: 639: 637: 634: 633: 632: 629: 625: 622: 620: 617: 616: 615: 612: 610: 607: 605: 602: 601: 595: 594: 583: 580: 578: 575: 573: 570: 568: 565: 564: 563: 562: 558: 557: 554: 549: 546: 544: 541: 539: 536: 534: 531: 529: 526: 525: 524: 523: 519: 518: 513: 510: 506: 501: 500: 495: 494: 488: 485: 483: 480: 478: 475: 473: 470: 468: 465: 463: 460: 458: 455: 453: 450: 448: 445: 443: 440: 438: 437:Participation 435: 433: 430: 428: 425: 423: 420: 418: 417:Middle market 415: 413: 410: 408: 405: 403: 400: 398: 395: 393: 390: 388: 385: 383: 380: 378: 375: 373: 370: 368: 365: 363: 360: 358: 355: 353: 350: 348: 347:Bulge bracket 345: 343: 340: 338: 335: 334: 328: 327: 323: 319: 318: 315: 312: 311: 308: 304: 303: 294: 291: 276: 273: 265: 254: 251: 247: 244: 240: 237: 233: 230: 226: 223: –  222: 218: 217:Find sources: 211: 207: 201: 200: 195:This article 193: 189: 184: 183: 174: 171: 163: 153: 149: 143: 142: 137:This article 135: 126: 125: 116: 113: 105: 93: 92: 87: 82: 78: 73: 72: 67: 65: 58: 57: 52: 51: 46: 41: 32: 31: 19: 4735: 4728: 4721: 4714: 4702: 4626: 4391:Construction 4314:Applications 4032:Biodiversity 3791:Anthropocene 3707: 3580:Eco-labeling 3555:Child labour 3450:supply chain 3448: / 3444: / 3440: / 3436: / 3407: / 3403: / 3399: / 3395: / 3169:Ethical code 3163: 3157: / 3153: / 3149: / 3145: / 3141: / 3127: / 3123: / 3119: / 3115: / 3006: 2995: 2981: 2967: 2948:. Retrieved 2938: 2927:. Retrieved 2917: 2906:. Retrieved 2896: 2887: 2877: 2865:. Retrieved 2860: 2851: 2839:. Retrieved 2834: 2825: 2813:. Retrieved 2809: 2799: 2788:. Retrieved 2784:the original 2774: 2763:. Retrieved 2753: 2744: 2738: 2729: 2717:. Retrieved 2713: 2704: 2692:. Retrieved 2687: 2677: 2668: 2662: 2611:Banks portal 2583: 2574:Triodos Bank 2568:in Germany, 2555: 2541: 2525: 2509: 2493: 2478: 2474: 2470: 2465: 2463: 2455: 2448: 2443: 2434: 2430: 2426: 2417: 2408:unionization 2405: 2397: 2380: 2372: 2349: 2340: 2331:greenwashing 2327: 2319: 2315: 2295: 2281:transparency 2277: 2244: 2240: 2236: 2232: 2229:ethical bank 2228: 2226: 2186: 2174: 1996:Greenwashing 1886:Human rights 1881:Greenwashing 1841:Deep ecology 1743:Architecture 1644:Green bubble 1623: 1554:Clean growth 1517:Carbon price 1068:participants 1042: 941:Pension fund 818: 749:Asset growth 744:Bank secrecy 619:Bill payment 538:Money-market 508: 491: 372:Credit union 286: 268: 262:January 2021 259: 249: 242: 235: 228: 216: 204:Please help 199:verification 196: 166: 157: 138: 108: 99: 88: 61: 54: 48: 47:Please help 44: 18:Ethical bank 4607:conferences 4478:Procurement 4421:Development 4321:Advertising 4283:Measurement 4217:Tidal power 4212:Small hydro 4177:Micro hydro 4040:Biosecurity 3992:Appropriate 3921:Sustainable 3904:Advertising 3826:Consumption 3816:Development 3660:Stakeholder 3438:measurement 3179:Externality 3134:Dirty hands 2532:shareholder 2384:bottom line 2376:green banks 2237:alternative 1961:Walkability 1846:Dirty hands 1836:Cyclability 1738:Agriculture 1733:Sustainable 1444:Water cycle 1376:Agriculture 1354:Storm surge 1317:Degradation 1287:Eco-anxiety 1100:Market risk 991:Toxic asset 961:Speculation 849:engineering 387:Development 367:Cooperative 89:may not be 4753:Categories 4498:Sanitation 4453:Livelihood 4376:Ecovillage 4361:Eco-cities 4278:Accounting 4187:Pico hydro 4167:Hydropower 3985:Technology 3783:Principles 3664:engagement 3519:Fair trade 3370:accounting 3303:Higg Index 3280:accounting 3096:principles 2950:2023-08-01 2929:2023-08-01 2908:2023-08-01 2790:2015-04-11 2765:2013-07-20 2714:FT Adviser 2655:References 2504:Adam Smith 2488:See also: 2423:Discussion 2267:movement, 2265:fair trade 2118:Litigation 2063:Green left 1778:Livelihood 1773:Industries 1748:Capitalism 1696:Resilience 1686:Act of God 1666:Green home 1639:Green bond 1634:Green bank 1599:Ecovillage 1537:Carbon tax 1405:Psychology 1073:regulation 722:management 717:allocation 614:Electronic 407:Industrial 402:Investment 382:Depository 357:Commercial 232:newspapers 50:improve it 4591:Recycling 4586:Planetary 4576:Materials 4571:Landscape 4556:Fisheries 4523:Transport 4448:Landscape 4431:Marketing 4406:Gardening 4346:Community 4293:Reporting 4157:Footprint 4045:Biosphere 3605:Euthenics 3570:Disasters 3529:ISO 19011 3469:Reporting 3419:ISO 14031 3414:ISO 14000 3333:ISO 45001 3328:ISO 26000 3209:Pollution 3143:in Russia 3117:behaviour 2570:ShoreBank 2562:BRAC Bank 1991:Education 1906:Migration 1790:Used good 1681:Insurance 1464:Economics 1391:Livestock 1386:Fisheries 1349:Heat wave 1053:Financial 844:economics 824:Financial 690:BRICS PAY 482:Wholesale 477:Universal 377:Custodian 56:talk page 4704:Category 4503:Sourcing 4438:Greening 4331:Business 4207:Security 4202:Scarcity 3698:Category 3496:Auditing 3317:equality 2867:1 August 2841:1 August 2815:1 August 2597:See also 2566:GLS Bank 2176:Glossary 2046:Politics 1936:Security 1851:Ecosophy 1821:Children 1783:Sourcing 1676:Greening 1589:Eco-city 1584:Degrowth 1364:Wildfire 1312:Conflict 1240:a series 1238:Part of 1177:Category 869:services 854:forecast 829:analysis 734:Bad debt 520:Accounts 505:Accounts 442:Payments 432:Offshore 412:Merchant 337:Advising 160:May 2010 102:May 2010 91:reliable 4737:Degrees 4730:Studies 4723:Science 4518:Tourism 4411:Geopark 4401:Finance 4396:Fashion 3971:Control 3859:Ethical 3768:Outline 3709:Commons 3662: ( 3538:Related 3521: ( 3511: ( 3310: ( 3254:social) 2719:20 July 2694:20 July 2536:profits 2464:In the 2292:History 2247:, is a 2083:History 2011:fiction 1916:Poverty 1768:Finance 1468:Finance 1339:Drought 1259:Effects 1250:society 1187:Commons 864:planner 834:analyst 582:Prepaid 543:Savings 533:Deposit 467:Savings 452:Private 427:Neobank 352:Central 314:Banking 246:scholar 146:Please 4686:(2015) 4663:(2000) 4657:(1997) 4641:(1992) 4629:(1987) 4561:Forest 4463:Market 4458:Living 4075:Energy 3931:Market 3348:SA8000 3322:social 3278:Social 3219:Racism 3092:Ethics 3077:Social 3025:INAISE 2974:  2690:: 1–89 2271:, and 2233:social 2164:Portal 2128:UNFCCC 2108:Denial 1876:Gender 1814:Ethics 1275:Cities 1197:Portal 1120:Shares 1083:system 1063:market 624:Mobile 604:Cheque 572:Credit 507:  462:Retail 457:Public 392:Direct 248:  241:  234:  227:  219:  4764:Banks 4716:Lists 4596:Waste 4508:Space 4416:Green 4150:Water 3909:Brand 3773:Index 3019:FEBEA 2243:, or 2241:civic 2188:Index 1966:Women 1728:Reuse 1344:Flood 839:asset 712:Asset 702:Terms 663:SWIFT 577:Debit 559:Cards 512:Cards 253:JSTOR 239:books 4336:City 4103:Food 3184:Harm 3079:and 3031:GABV 2972:ISBN 2869:2023 2843:2023 2817:2023 2721:2015 2696:2015 2556:The 2306:NGOs 2300:and 2249:bank 1831:Debt 1763:Diet 1753:City 1263:Risk 1078:risk 921:Loan 859:plan 759:Cash 685:SPFS 680:CIPS 658:Giro 636:RTGS 631:Wire 609:Card 342:Banq 225:news 4326:Art 3094:and 2518:.) 2325:.. 2227:An 2016:art 1619:ESG 1058:law 814:ESG 675:CLS 648:ACH 567:ATM 208:by 4755:: 3005:, 2970:, 2886:. 2859:. 2833:. 2808:. 2712:. 2686:. 2589:, 2498:. 2378:. 2288:. 2275:. 2255:, 2239:, 2235:, 1466:· 1261:· 1242:on 641:NS 59:. 3749:e 3742:t 3735:v 3666:) 3525:) 3515:) 3324:) 3069:e 3062:t 3055:v 2953:. 2932:. 2911:. 2871:. 2845:. 2819:. 2793:. 2768:. 2723:. 2698:. 2216:e 2209:t 2202:v 1403:/ 1224:e 1217:t 1210:v 509:· 293:) 287:( 275:) 269:( 264:) 260:( 250:· 243:· 236:· 229:· 202:. 173:) 167:( 162:) 158:( 154:. 115:) 109:( 104:) 100:( 94:. 66:) 62:( 20:)

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