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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
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License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 05

Published on: May 2026

SUSTAINABLE BANKING PRACTICES AND FINANCIAL PERFORMANCE: A CONCEPTUAL AND ANALYTICAL STUDY

Alisha Harish Kumar

Dr. Rashmi Chaudhary

Kurukshetra University Kurukshetra
DOI:https://doi.org/10.55041/ijcope.v2i5.337

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Abstract

The banking sector is changing rapidly as sustainability becomes an important part of how banks operate and make decisions. This study focuses on understanding why sustainability is becoming so important in the banking sector, especially through the use of Environmental, Social, and Governance (ESG) practices. The research is based on secondary data collected from research papers, bank reports, and studies related to green banking. By using content analysis, the study identifies major trends, key practices, and challenges in sustainable banking. The findings show that sustainability is no longer optional for banks but has become a necessity. It helps banks improve their financial performance, manage risks better, and build stronger relationships with customers and investors. Practices like green loans, renewable energy financing, digital banking, and sustainability reporting not only protect the environment but also support long-term growth. At the same time, banks face challenges such as lack of proper standards for measuring sustainability, high costs, low awareness among stakeholders, and differences in regulations across countries. The study concludes that sustainability is essential for the future success and stability of banks. To make sustainable banking more effective, there is a need for better rules, improved data systems, and cooperation between banks and regulators. Future research should focus on measuring the actual impact of sustainability practices in the banking sector.

Keywords: Sustainable Banking, ESG (Environmental, Social, and Governance), Green Finance, Financial Performance, Risk Management, Sustainability Reporting.

How to Cite this Paper

Alisha, & Kumar, H. (2026). Sustainable Banking Practices and Financial Performance: A Conceptual and Analytical Study. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(05). https://doi.org/10.55041/ijcope.v2i5.337

Alisha, , and Harish Kumar. "Sustainable Banking Practices and Financial Performance: A Conceptual and Analytical Study." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 05, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i5.337.

Alisha, , and Harish Kumar. "Sustainable Banking Practices and Financial Performance: A Conceptual and Analytical Study." International Journal of Creative and Open Research in Engineering and Management 02, no. 05 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i5.337.

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References


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  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
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  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: May 12 2026
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