RESOURCES
The values-based banking library
Explore our stories, read our articles, and access research and position papers that showcase how values-based banks use finance to deliver social and environmental positive impact.
Stories
from GABV
Through networking with like-minded leaders and frontrunners, the GABV has benefited through our regional and annual meetings and working groups by sharing best practices, and exchanging stories and thought leadership. Here are some examples.
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Research
The Global Alliance for Banking on Values (GABV) publishes annual research, case studies and reports to reinforce and explore the business case for the growing values-based banking practice.
On many occasions, we collaborate with academic institutions and like-minded institutions.
Annual Research: Real Economy-Real Returns
Reports & Publications
Case studies

Real Economy – Real Returns 2021
The “2021 Real Economy-Real Returns” study covers 10 years of annual research (2011-2020) comparing financial data from values-based banks and the Global Systemically Important Banks.

Real Economy – Real Returns 2021
The “2021 Real Economy-Real Returns” study covers 10 years of annual research (2011-2020) comparing financial data from values-based banks and the Global Systemically Important Banks.

Real Economy-Real Returns 2020
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2020
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2019
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2019
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2018
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2018
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2017
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2017
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2016
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2016
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2015
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2015
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2014
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2014
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
– What support does a bank provide to the real economy?
– How resilient is a bank in the face of economic challenges?
– What returns does a bank provide to society, clients and investors?
– What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2013
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
· What support does a bank provide to the real economy?
· How resilient is a bank in the face of economic challenges?
· What returns does a bank provide to society, clients and investors?
· What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2013
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
· What support does a bank provide to the real economy?
· How resilient is a bank in the face of economic challenges?
· What returns does a bank provide to society, clients and investors?
· What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2012
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
· What support does a bank provide to the real economy?
· How resilient is a bank in the face of economic challenges?
· What returns does a bank provide to society, clients and investors?
· What growth does a bank achieve to expand its impact?

Real Economy-Real Returns 2012
Since 2012, the GABV has released an innovative report comparing the financial performance of values-based banks with the world’s largest banks, the global systemically important financial institutions, or GSIBs.
This annual research focuses on the following key questions:
· What support does a bank provide to the real economy?
· How resilient is a bank in the face of economic challenges?
· What returns does a bank provide to society, clients and investors?
· What growth does a bank achieve to expand its impact?

Embedding Value Based Principles in the Culture of Islamic Banks
Value-based banks strive to build a self-sustaining banking model with inclusive and transparent governance that is sustainable and resilient to external disturbances. Initiatives for value-based intermediation in Islamic finance started in Malaysia. The growth in VBIBs is accompanied by claims about its relative resilience to crisis and efficiency compared to VBBs and conventional banks. However, little empirical evidence is available to support such claims. This study aims to analyze the resilience and efficiency of VBIBs compared to the VBBs and GSIBs.

Embedding Value Based Principles in the Culture of Islamic Banks
Value-based banks strive to build a self-sustaining banking model with inclusive and transparent governance that is sustainable and resilient to external disturbances. Initiatives for value-based intermediation in Islamic finance started in Malaysia. The growth in VBIBs is accompanied by claims about its relative resilience to crisis and efficiency compared to VBBs and conventional banks. However, little empirical evidence is available to support such claims. This study aims to analyze the resilience and efficiency of VBIBs compared to the VBBs and GSIBs.

Values Based and Global Systemically Important Banks
This report studies the financial stability of Values-Based Banks (VBBs) and Global Systemically Important Banks (GSIBs), and how regulatory changes in the aftermath of the financial crisis affected bank stability. These two types of banks allow contrasting an environmental and social impact banking approach to a conventional one.

Values Based and Global Systemically Important Banks
This report studies the financial stability of Values-Based Banks (VBBs) and Global Systemically Important Banks (GSIBs), and how regulatory changes in the aftermath of the financial crisis affected bank stability. These two types of banks allow contrasting an environmental and social impact banking approach to a conventional one.

Ebook: Shaping a Positive Future in a Changing World
To change the world for good, first you need to understand it. This ebook provides a space to hear from experts on some of tomorrow’s most pressing social and environmental global issues, so we can use values-based finance to address them today.

Ebook: Shaping a Positive Future in a Changing World
To change the world for good, first you need to understand it. This ebook provides a space to hear from experts on some of tomorrow’s most pressing social and environmental global issues, so we can use values-based finance to address them today.

Social Impact Value of Values-based Banks (2021)
This paper expands our understanding of how values-based banks define, design, implement, monitor and scale-up social impact in their daily operations and lending. In collaboration with the Pompeu Fabra University.

Social Impact Value of Values-based Banks (2021)
This paper expands our understanding of how values-based banks define, design, implement, monitor and scale-up social impact in their daily operations and lending. In collaboration with the Pompeu Fabra University.

The gender journey of the GABV in Latin America (2020)
This research, in collaboration with FMO and Fundación Avina, analysed how values-based banks in Latin America serve the women’s market.

The gender journey of the GABV in Latin America (2020)
This research, in collaboration with FMO and Fundación Avina, analysed how values-based banks in Latin America serve the women’s market.

Do sustainable banks outperform? (2019)
This collaborative research by the European Investment Bank (EIB), the GABV, Deloitte and KKS Advisors finds that commercial banks with higher environmental, social and governance (ESG) standards outperform others.

Do sustainable banks outperform? (2019)
This collaborative research by the European Investment Bank (EIB), the GABV, Deloitte and KKS Advisors finds that commercial banks with higher environmental, social and governance (ESG) standards outperform others.

Caso GABV: jugando con paradojas en alianzas basadas en valores
La experiencia de la Global Alliance for Banking on Values (GABV) y el análisis de cómo ha afrontado las paradojas en el curso de su trayectoria proporcionan
una idea sobre las dinámicas de las alianzas impulsadas por valores y sobre cómo lidiar con las contradicciones que se dan en las diferentes etapas de vida
de estos acuerdos. Además, este caso sirve de inspiración para las personas que desean contribuir a un mundo mejor en asociación con otros

Caso GABV: jugando con paradojas en alianzas basadas en valores
La experiencia de la Global Alliance for Banking on Values (GABV) y el análisis de cómo ha afrontado las paradojas en el curso de su trayectoria proporcionan
una idea sobre las dinámicas de las alianzas impulsadas por valores y sobre cómo lidiar con las contradicciones que se dan en las diferentes etapas de vida
de estos acuerdos. Además, este caso sirve de inspiración para las personas que desean contribuir a un mundo mejor en asociación con otros

Managing Strategic and Cultural Change In Organization – Jaap Boonstra
The need for change within organizations is not uncommon in a world full of technological, political, and cultural transformations. But how can organizations effectively transform themselves in a global world and what can leaders and professionals do to effect meaningful change successfully? This article outlines a model that shows strategic and cultural transformation as an ongoing process.

Managing Strategic and Cultural Change In Organization – Jaap Boonstra
The need for change within organizations is not uncommon in a world full of technological, political, and cultural transformations. But how can organizations effectively transform themselves in a global world and what can leaders and professionals do to effect meaningful change successfully? This article outlines a model that shows strategic and cultural transformation as an ongoing process.

GABV Climate Leader Case Study (2022)
In 2022, the GABV was recognised for our pioneering work in climate finance by the Finance for the Future Awards. This case study explores our approach to values-based banking and highlights our successful collaboration with the Partnership for Carbon Accounting Financials.

GABV Climate Leader Case Study (2022)
In 2022, the GABV was recognised for our pioneering work in climate finance by the Finance for the Future Awards. This case study explores our approach to values-based banking and highlights our successful collaboration with the Partnership for Carbon Accounting Financials.

GLS Bank Case Study (2022)
This case study shows how GLS Bank is using a social-ecological approach. Through this holistic lens, the bank integrates both social and environmental visions of the future into decisions and activities, along with the requirement for societies to respect planetary ceilings and social floors.

GLS Bank Case Study (2022)
This case study shows how GLS Bank is using a social-ecological approach. Through this holistic lens, the bank integrates both social and environmental visions of the future into decisions and activities, along with the requirement for societies to respect planetary ceilings and social floors.

Banca Etica Case Study (2022)
This report shows how Banca Etica delivers positive social impact alongside real economic value. It does so by including social criteria in the credit process as a foundation for rethinking risk, supported by a broadening engagement with clients and other stakeholders. The study is part of the VALoRE project and is funded by the Open Society Foundations.

Banca Etica Case Study (2022)
This report shows how Banca Etica delivers positive social impact alongside real economic value. It does so by including social criteria in the credit process as a foundation for rethinking risk, supported by a broadening engagement with clients and other stakeholders. The study is part of the VALoRE project and is funded by the Open Society Foundations.

MagNet Bank Case Study (2021)
This case study presents if and how MagNet Bank, in Hungary, is an industry game-changer for the financial sector. The study is part of the VALoRE project and is funded by the Open Society Foundations.

MagNet Bank Case Study (2021)
This case study presents if and how MagNet Bank, in Hungary, is an industry game-changer for the financial sector. The study is part of the VALoRE project and is funded by the Open Society Foundations.
Position papers
Through position papers on global issues and key topics, the Global Alliance for Banking on Values contributes to the discussion of the role and responsibility of the financial sector based on the policies and practices of its member banks.
Climate Finance
The starting point for our position on climate change is our vision that finance serves people and the planet, not the other way around.
Download Position PaperBrand values
To sharpen our positioning and better demonstrate what makes us distinct in the banking sector, we developed the GABV brand values and differentiation criteria.
Download Position PaperEU Taxonomy-Social Impact
This paper defines social sustainability and impact and offers a high-level reference framework used by values-based banks to classify which projects and investments add a specific social or environmental value.
Download Position Paper
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