Material themes
Costumer relations and satisfaction
Transparency in communicating the terms and conditions of products and services, with clear sales practices, including training for banking correspondents on this topic.
Social, environmental, and climate risks
Mechanisms to identify, assess, and mitigate social, environmental, and climate risks in a structured manner across all areas and processes of the Organization, and integrated with the Company’s other risk management processes. This includes maintaining a rigorous verification process for gran...
Social, environmental, and climate risks
Mechanisms to identify, assess, and mitigate social, environmental, and climate risks in a structured manner across all areas and processes of the Organization, and integrated with the Company’s other risk management processes. This includes maintaining a rigorous verification process for gran...
Costumer relations and satisfaction
Transparency in communicating the terms and conditions of products and services, with clear sales practices, including training for banking correspondents on this topic.
Data privacy and security
Ensuring the proper functioning of internal systems and the security of customer information within the data network, while ensuring compliance with the General Data Protection Law (LGPD in Portuguese).
Data privacy and security
Ensuring the proper functioning of internal systems and the security of customer information within the data network, while ensuring compliance with the General Data Protection Law (LGPD in Portuguese).
Ethics, integrity, and transparency
Mechanisms implemented by the Company related to ethics and integrity, as well as communication and accountability regarding internal actions to its stakeholders.
Ethics, transparency and compliance
Mechanisms implemented by the Company related to ethics and integrity, as well as communication and accountability regarding internal actions to its stakeholders.
Inovation and technology
Digital transformation of the Company’s processes and the products it offers, adoption of new technologies with increasing use of AI, and investment in Research and Development (R&D).
Inovation and technology
Digital transformation of the Company’s processes and the products it offers, adoption of new technologies with increasing use of AI, and investment in Research and Development (R&D).
Diversity, equity, and inclusion
Issues such as the composition of the workforce and senior management regarding diversity in terms of gender, ethnicity, race, age, people with disabilities, LGBTQIAP+ identity, and other vulnerable groups, serving as an advocate for tolerance.
Diversity, equity, and inclusion
Issues such as the composition of the workforce and senior management regarding diversity in terms of gender, ethnicity, race, age, people with disabilities, LGBTQIAP+ identity, and other vulnerable groups, serving as an advocate for tolerance.
Talent retention and development
This issue is directly related to the benefits and working conditions offered by the Company, which affect its ability to attract and retain qualified professionals, as reflected in hiring rates and employee turnover. It also involves training and educating employees to develop and enhance...
Talent retention and development
This issue is directly related to the benefits and working conditions offered by the Company, which affect its ability to attract and retain qualified professionals, as reflected in hiring rates and employee turnover. It also involves training and educating employees to develop and enhance...
Corporate governance and integrity
The topic addresses the processes, culture, regulations, and strategy that define how a company is run. It includes Governance for Sustainability, which aims to advise the committees on the theme. It also involves the mechanisms applied by the company related to ethics, integrity, and anti-corru...
Innovation & technology
The theme addresses the innovation of the Company’s processes, adoption of new technologies, research and development (R&D), and digital transformation of processes and products.
Sales practices and customer satisfaction
The topic addresses transparency in business practices and clear communication of product and service conditions, including training of bank correspondents on the topic and issues related to customer satisfaction and experience of the product/service provided.
Financial inclusion and education
The topic addresses the contribution to raising awareness among customers and non-customers about financial education and conscious use of money, and offering support and facilitated tools to expand access to financial products and services.
Sustainable products and businesses
The topic approaches the offering of services and products with positive economic, social and environmental impact. Some examples are: credit lines, solutions and products with a social and environmental focus, such as for small businesses, students, low-income population, access to housing, pro...
Data privacy and security
The topic addresses the proper functioning of internal systems and security of customer information on the data network, ensuring compliance with General Law of Data Protection – LGPD.
Diversity & inclusion
The topic addresses issues such as employee and top management composition on diversity of gender, ethnicity, color, age, PwD, LGBTQIA+ identity, and other vulnerable groups.
Human capital development
The topic addresses the training and education of employees to develop and enhance work skills and knowledge.
Partners’ and suppliers’ management
The topic addresses task management and social and environmental regulatory compliance checks of contractors (suppliers and service providers). It includes preparation of third parties that deal with the public, such as security staff.
Eco-efficiency
The topic addresses the optimization of processes and activities, such as mechanisms to reduce the use of energy, water and/or waste, aiming at better financial performance and lower consumption of natural resources. It includes assessing and measuring the socio-environmental and economic impact...
Environmental, social, and climate risk strategy
The topic addresses the Company’s strategy, governance, environmental, social and climate risk management for adaptation and resilience to the consequences of climate change for the business, such as storms, water shortages and new regulations. Includes management of greenhouse gases and other...
Innovation and Technology: digital operations, processes, products and services
Innovation and technology processes generate a series of positive impacts, e.g., increase the security of IT assets, as well as a better use of time by employees to serve customers, decreasing their operational load. Furthermore, this investment allows for financial citizenship, making the financ...
Quality of customer service and services provided
A good or bad service impacts the Bank. Nowadays, as there are service information rankings that can be easily visualized by the shareholders/ stakeholders, the company’s reputation and revenue are constantly linked to a good service and a good quality of the services provided.
Corporate governance and integrity
The topic addresses the processes, culture, regulations, and strategy that define how a company is run. It includes Governance for Sustainability, which aims to advise the committees on the theme. It also involves the mechanisms applied by the company related to ethics, integrity, and anti-corrup...
Environmental, social, and climate risk strategy
The topic addresses the Company’s strategy, governance, environmental, social and climate risk management for adaptation and resilience to the consequences of climate change for the business, such as storms, water shortages and new regulations. Includes management of greenhouse gases and ot...
Eco-efficiency
The topic addresses the optimization of processes and activities, such as mechanisms to reduce the use of energy, water and/or waste, aiming at better financial performance and lower consumption of natural resources. It includes assessing and measuring the socio-environmental and economic impacts...
Partners’ and suppliers’ management
The topic addresses task management and social and environmental regulatory compliance checks of contractors (suppliers and service providers). It includes preparation of third parties that deal with the public, such as security staff.
Human capital development
The topic addresses the training and education of employees to develop and enhance work skills and knowledge.
Diversity & inclusion
The topic addresses issues such as employee and top management composition on diversity of gender, ethnicity, color, age, PwD, LGBTQIA+ identity, and other vulnerable groups.
Data privacy and security
The topic addresses the proper functioning of internal systems and security of customer information on the data network, ensuring compliance with General Law of Data Protection – LGPD.
Sustainable products and businesses
The topic approaches the offering of services and products with positive economic, social and environmental impact. Some examples are: credit lines, solutions and products with a social and environmental focus, such as for small businesses, students, low-income population, access to housing, prom...
Innovation & technology
The theme addresses the innovation of the Company’s processes, adoption of new technologies, research and development (R&D), and digital transformation of processes and products.
Sales practices and customer satisfaction
The topic addresses transparency in business practices and clear communication of product and service conditions, including training of bank correspondents on the topic and issues related to customer satisfaction and experience of the product/service provided.
Sustainable products and business
The offer of sustainable products that foster positive social and environmental impacts generates financial results and reputational gains. Suppliers and partners operations in line with the Bank’s institutional view can create positive impacts, however, by acting in disagreement with this view...
Business expansion strategy
Business expansion strategies have a positive impact due to the change in society’s behavior and the need to reduce environmental impacts, promoting more sustainable products combined with sustainable economic development.
Management of energy consumption and solid waste generation
How waste is managed has directly impacted the company, positively when waste generated is correctly disposed, showing the Bank’s concern with related social & environmental matters. However, it has negative environmental impacts when there are flaws in the proper final disposal of generate...
Criteria for financing assignment, positive impact and delinquency
The criteria adopted for the assignment of financing directly impact the Bank’s operations, as they impact investors’ decision-making, as well as new regulatory guidelines can impact criteria adopted. The strategic allocation of resources can foster the State’s social & economic develop...
Management of risks that can significantly impact business
How waste is managed has directly impacted the company, positively when waste generated is correctly disposed, showing the Bank’s concern with related social & environmental matters. However, it has negative environmental impacts when there are flaws in the proper final disposal of generate...
Social investment in the external community
Investing in the external community has a positive impact because it fosters the local economy through the sponsorships and leads to improvements to the quality of life of children, teenagers, and the elderly in situations of social vulnerability, through projects that develop skills and encourag...
Risk approach and opportunities related to climate change
The approach used to foster opportunities related to climate change has a direct and indirect impact that can be positive, changing the society’s perception of institution’s management of climate-related and environmental matters, or negative with possible credit losses that can directly impa...
Financial inclusion and education
The topic addresses the contribution to raising awareness among customers and non-customers about financial education and conscious use of money, and offering support and facilitated tools to expand access to financial products and services.