![](data:image/png;base64,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)
KAIRÓS, revista de ciencias económicas, juridicas y administrativas, 6(11), pp. 105-125. Segundo Semestre de
2023 (Ecuador). ISSN 2631-2743. DOI: https://doi.org/10.37135/kai.03.11.06
Sostenibilidad en la banca: un estudio de caso en Ecuador
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un verdadero compromiso de reducir la huella ecológica mediante prácticas de ecoeciencia y
de lucha contra el cambio climático. Este compromiso está sustentado en la Política y Sistema
de gestión de seguridad, salud y ambiente, basado en las normas ISO 14001 y 45001, que
identica y establece medidas de acción a los riesgos ambientales de la operación de Banco,
cumpliendo la normativa y evitando que se generen altos impactos al ambiente. Desde el 2013
se mide la huella de carbono interna, se establece metas anuales de reducción de recursos y
se han implementado mecanismos de ahorro de energía, de papel y de reciclaje en todas las
agencias, así como prácticas ambientales con la participación de colaboradores, por ejemplo,
jornadas de “al trabajo en bici”, reforestación, eventos de limpieza de playas, entre otros. Se
han colocado Bio estaciones de reciclaje en edicios principales, con una disposición nal a
través de gestores ambientales calicados para procesar los residuos y reaprovecharlos.
Las emisiones de carbono se derivan del consumo eléctrico, por lo que se ha implementado
el 100% de iluminación LED en edicios principales, se han ido reemplazando sistemas de
climatización por ecientes y que cuentan con gases ecológicos, así como los equipos de
computación que tienen certicación Energy Star y Epeat que logran un ahorro de energía de
hasta 60%. Desde 2018 inició un proceso de transformación, creándose un Centro digital, en
el cual se incuban y desarrollan los nuevos productos y servicios diferenciadores del Banco de
la estrategia digital. Esta estrategia ha minimizado de manera importante el uso de recursos
como el papel, la energía, las emisiones de carbono, entre otros. Con respecto a la gestión con
proveedores, el banco se ha acogido a la norma internacional ISO 20400 de Compras Sostenibles,
que tiene el objetivo de integrar temas: nancieros, legales, éticos, operacionales, de calidad,
de seguridad, salud y ambiente, entre otros. Además, existen convenios muy interesantes con
proveedores, logrando que el papel provenga de una fuente renovable, elaborado a partir de la
caña de azúcar y el reciclaje de tóneres.
Estas iniciativas, a decir de los entrevistados, lograron que en general los funcionarios de
Banco Pichincha se sensibilicen a la necesidad de implementar acciones en distintos frentes
(comercial, de riesgos, administrativo), con el n de reducir la afectación ambiental de las
operaciones de la institución.
En los últimos tres años se han logrado importantes resultados: 77 mil kilogramos de papel
reciclado, más de 5 mil tóneres reciclados y con correcta disposición nal, más de 6 mil
colaboradores sensibilizados en el tema ambiental, más de 10 mil equipos de computación con
sellos de eciencia energética, más del 70% de las transacciones y 35% de las transacciones
monetarias, se realizan en canales digitales. Todo ello condujo a que en 2020 el banco obtenga
el Reconocimiento ambiental “Punto verde” del Ministerio del Ambiente y Agua en Ecuador.
La distinción premia el haber logrado una mayor eciencia energética y, por tanto, un menor
impacto medioambiental en las tres sedes principales en Quito, Guayaquil y Cuenca.