The document discusses the role and challenges of social banking. Social banks aim to allocate money in a transparent way according to social and environmental criteria rather than profit maximization. They serve as intermediaries between depositors and borrowers in the real economy. However, social banks face challenges from inconsistent customer demands, low interest rates, and maintaining their uniqueness while larger banks adopt sustainability strategies. The document calls for reforms such as separating retail and investment banking to address issues in the conventional financial sector.

1. 03.10.11 www.social-banking.org The role of social banking Katharina Beck, 02 October 2011 Internazionale a Ferrara, Italy

3. Different faces of banking 03.10.11 www.social-banking.org Pictures: http://hookz.killing4space.de/?p=903, Zukunftsstiftung Landwirtschaft

4. 03.10.11 www.social-banking.org "If the people knew tonight, exactly how the monetary and banking system worked, there would be a revolution before tomorrow morning.“ Abraham Lincoln Banks are „kind of“ relevant...

5. 03.10.11 www.social-banking.org Demonstrations on Brooklyn Bridge, „Occupy wall street“-movement, 1st October 2011, New York. Picture taken from www.tagesschau.de

6. 03.10.11 www.social-banking.org Europe

7. 03.10.11 www.social-banking.org Values: Trasparency, Participation, People,... "The highest interest is for all.“ "Banking for a Sustainable Future“ "Money is there for people!“ "Consultation for giving. Funding and support for charitable institutions.“ "Managing money consciously“ "A different bank for people who want a different world.“ "Today's bank for a better tomorrow.“ "Committed to social justice within a sustainable economy“ "Our values: ethics, transparency, solidarity“ „ Supporting socially responsible places of residence and work“ Social-ecological

9. A „normal“ service 03.10.11 www.social-banking.org Picture: Katharina Beck

10. 03.10.11 www.social-banking.org Understanding money as a tool Different qualities of money

11. Publication of financed projects, e.g. Triodos 03.10.11 www.social-banking.org/summer-school

12. Examples for criteria 03.10.11 www.social-banking.org

13. 03.10.11 www.social-banking.org Social Banking

14. 03.10.11 www.social-banking.org Multi-dimensional core business Combining several dimensions.

15. Global Alliance for Banking on Values 03.10.11 www.social-banking.org www.gabv.org

16. 03.10.11 www.social-banking.org Banking with the poor Picture: Oikocredit Social Performance Report 2010, p. 3. Micro-finance

17. GABV: Different approaches

18. 03.10.11 www.social-banking.org 13 GABV Banks: world Balance Sheet (2009/10) in Mio. US $ No. of Customers ABS 898 24000 Banca Etica 973 40000 BancoSol 495 390000 BRAC 1366 898000 Cultura Bank 66 4200 GLS Bank 2000 100000 Integral 75 42000 Merkur 290 16000 Mibanco 1586 500000 New Resource Bank 159 2000 OnePacificCoast Bank 99 800000 Triodos Bank 4311 500000 Vancity 13640 750000 Xac Bank 223 225000 TOTAL 26.181 4.251.200

19. Performance of balance sheets: Europe 03.10.11 www.social-banking.org

20. Comparing some monetary numbers... 03.10.11 www.social-banking.org „ It is unclear how much money exists in the world .“ (P. Dembinski) Social banks in Europe: Balance sheets (2009/10) 9 Bn. € GABV banks: Balance sheets (2009/10) 19 Bn. € National Budget of Italy (2009) 785 Bn. € GDP Italy (2010) 1‘773 Bn. € National Debt Italy (2011) 1‘890 Bn. € BNP Paribas: Balance sheet (2010) 2‘960 Bn. € SRI (Europe, incl. broad SRI, 2010) 5‘000 Bn. € GDP worldwide (2010) 60‘000 Bn. € „ Value“ of derivatives worldwide (BIS; 2008) 600‘000 Bn. €

21. People seeking „sense“ 03.10.11 www.social-banking.org Pictures: www.brandeins.de and www.yogamob.org

24. 03.10.11 www.social-banking.org Money in the digital world? http://www.youtube.com/watch?v=ekF8Zsv5F3w The future of money? New currencies? Giving and donations Social Media

26. 03.10.11 www.social-banking.org Who is in charge? Change on a system level Change on an organisational level Change on an individual level Global markets – „ local“ regulation. Pictures: taken from google pictures.

28. Katharina Beck Director | Institute for Social Banking Christstr. 9 44789 Bochum [email_address] 0234 / 60 60 01 32 www.social-banking.org 03.10.11 www.social-banking.org Thank you! Picture: Katharina Beck. The pictures belong to the Institute for Social Banking if not otherwise indicated