20.500.12556/DKUM-98640 Analiza poslovnega modela banke usmerjene v trajnostno bančništvo: Triodos Bank N.V. Business model analysis of a bank focused on sustainable banking: Triodos Bank N.V. Diplomsko delo obravnava vpliv trajnostnega bančništva na poslovanje bank, s poudarkom na primeru Triodos Bank, ene izmed vodilnih evropskih trajnostnih bank. Namen raziskave je bil ugotoviti, kako vključevanje okoljskih, družbenih in upravljavskih dejavnikov (ESG) vpliva na finančno uspešnost, stabilnost poslovanja ter dolgoročno vzdržnost poslovnega modela. V teoretičnem delu je podrobno predstavljen razvoj trajnostnih financ in v njegovem okviru temeljni modeli trajnostnega investiranja. Posebna pozornost je namenjena konceptu »impact investinga«, ki ga v sprejemanju poslovnih odločitvev uporablja obravnavana banka. Empirični del temelji na analizi poslovanja Triodos Bank v obdobju med leti 2014 in 2024. Raziskava vključuje pregled finančnih kazalnikov, trajnostnih kazalnikov ter upravljavskih dejavnikov na podlagi letnih poročil, trajnostnih poročil in regulatornih razkritij banke. Za celovitejšo obravnavo gibanja posameznih kazalnikov so bile uporabljene tudi deskriptivne statistične metode, vključno z mediano, razponom vrednosti, standardnim odklonom, koeficientom variacije in sestavljeno letno stopnjo rasti (CAGR). Takšen pristop je omogočil primerjavo finančne in trajnostne dimenzije poslovanja skozi daljše časovno obdobje ter podal podrobnejši vpogled v razvoj poslovnega modela banke. Rezultati raziskave kažejo, da je Triodos Bank skozi celotno analizirano obdobje postopno povečevala obseg trajnostnega financiranja, širila portfelj investicij z merljivim okoljskim in družbenim učinkom ter ohranjala visoko raven kapitalske ustreznosti in finančne stabilnosti. Analiza potrjuje, da trajnostna usmerjenost sama po sebi ni ovira za uspešno poslovanje, temveč lahko ob doslednem upravljanju tveganj predstavlja pomemben dejavnik dolgoročne odpornosti in konkurenčne prednosti banke. V tem okviru diplomsko delo prispeva k boljšemu razumevanju povezav med trajnostnim bančništvom in uspešnostjo finančnih institucij ter ponuja celovit vpogled v delovanje poslovnega modela Triodos Bank. This thesis examines the impact of sustainable banking on bank performance, with a particular focus on Triodos Bank, one of Europe's leading sustainable banks. The aim of the study was to determine how the integration of environmental, social, and governance (ESG) factors influences financial performance, operational stability, and the long-term sustainability of a bank's business model. The theoretical part provides a comprehensive overview of the development of sustainable finance and the fundamental models of sustainable investing. Particular attention is devoted to the concept of impact investing, which serves as a key principle in the business decision-making process of the selected bank. The empirical part is based on an analysis of Triodos Bank's operations during the period from 2014 to 2024. The research includes an examination of financial indicators, sustainability indicators, and governance factors based on the bank's annual reports, sustainability reports, and regulatory disclosures. To provide a more comprehensive assessment of the trends in individual indicators, descriptive statistical methods were also applied, including the median, range, standard deviation, coefficient of variation, and compound annual growth rate (CAGR). This approach enabled a comparison of the financial and sustainability dimensions of the bank's operations over an extended period and provided a more detailed insight into the development of its business model. The findings indicate that throughout the analysed period, Triodos Bank steadily expanded its sustainable financing activities, increased its portfolio of investments with measurable environmental and social impact, and maintained a high level of capital adequacy and financial stability. The analysis confirms that a sustainability-oriented business strategy is not, in itself, an obstacle to successful banking operations. On the contrary, when supported by effective risk management, it can represent an important source of long-term resilience and competitive advantage. In this context, the thesis contributes to a better understanding of the relationship between sustainable banking and the performance of financial institutions, while providing a comprehensive insight into the business model of Triodos Bank. ESG okvir trajnostno bančništvo trajnostno financiranje Triodos bank finančna uspešnost trajnostna uspešnost. ESG framework sustainable banking sustainable finance Triodos Bank financial performance sustainability performance. true true false M. Jokovič] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2026-06-26 15:26:44 2026-09-09 08:54:14 2026-09-10 03:10:12 0000-00-00 00:00:00 2026 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71:502 290445059 Diplomsko_delo_Matic_Jokovic..pdf Diplomsko_delo_Matic_Jokovic..pdf 1 3A10B07F1B61E258EA3FB9AC141DC160 b8730e1674df263971aeaaf9254a400e2d8e20d5cf40eaca0f49f51170cb5d6e baa8268d-ab76-11f1-9f58-00155d0001be https://dk.um.si/Dokument.php?lang=slv&id=211850 Ekonomsko-poslovna fakulteta 0 0 0