{"id":6093,"date":"2024-07-30T13:52:33","date_gmt":"2024-07-30T16:52:33","guid":{"rendered":"https:\/\/banrisul.centralesg.com.br\/indicadores\/forma-de-gestao-12\/"},"modified":"2025-09-26T17:28:27","modified_gmt":"2025-09-26T20:28:27","slug":"forma-de-gestao-12","status":"publish","type":"indicador","link":"http:\/\/banrisul.centralesg.com.br\/en\/indicadores\/forma-de-gestao-12\/","title":{"rendered":"Material topic"},"content":{"rendered":"\n

3-3 a) Describe the actual and potential, negative and positive impacts on the economy, environment, and people, including impacts on their human rights.<\/strong><\/p>\n\n\n\n

3-3 b) Report whether the organization is involved with the negative impacts through its activities or as a result of its business relationships, and describe the activities or business relationships.<\/strong><\/p>\n\n\n\n

See the answers to this content in the impact section on the material topics<\/a> page.<\/p>\n\n\n\n

3-3 c) Describe its policies or commitments regarding the material topic.<\/strong><\/p>\n\n\n\n

The organization has a formal risk management policy, described in a document called “Institutional Structures and Policies for Capital Management and Corporate Risks”. It covers capital management and credit, market, IRRBB, liquidity, operational, social, environmental and climate risks.<\/p>\n\n\n\n

The Bank operates in line with the regulations issued by the Brazilian Federation of Banks (Febraban, in Portuguese) in the self-regulation system, including standard 14\/2014 (Social and Environmental Responsibility Policy and Social and Environmental Risk Management) and standard 26\/2023 (management of the risk of illegal deforestation in the beef chain).<\/p>\n\n\n\n

3-3 d) Describe actions taken to manage the topic and related impacts, including:<\/strong><\/p>\n\n\n\n

3-3 d) i) actions to prevent or mitigate potential negative impacts;<\/strong><\/p>\n\n\n\n

In the granting of agricultural credit, in 2023, Banrisul began monitoring the areas by remote sensing and hired a specialized company to carry out a social and environmental compliance study of the financed areas, a process that is constantly being improved. Another practical measure has already been put into practice: a half-point reduction in the interest rate on loans to rural producers for areas that have had their Rural Environmental Registry (CAR, in Portuguese) analyzed.         <\/p>\n\n\n\n

3-3 d) ii) actions to address actual negative impacts, including actions to provide for or cooperate in their remediation;<\/strong><\/p>\n\n\n\n

No actual negative impacts have been identified.<\/p>\n\n\n\n

3-3 d) iii) actions to manage actual and potential positive impacts.<\/strong><\/p>\n\n\n\n

Throughout 2023, we adopted numerous measures to manage risks or opportunities, such as technical consultancy for the preparation of strategic sustainability management and the greenhouse gas emission reduction and mitigation plan; starting the implementation of the sustainability agenda; participating in the Brazilian GHG Protocol program; joining the CDP; and acquiring carbon credits and renewable energy certificates. The costs of the measures taken to manage these risks or opportunities linked to climate issues and sustainability amounted to R$526,398.7 in 2023. <\/p>\n\n\n\n

3-3 e) Report the following information about tracking the effectiveness of the actions taken:<\/strong><\/p>\n\n\n\n

3-3 e) i) processes used to track the effectiveness of the actions;<\/strong><\/p>\n\n\n\n

Processes are evaluated periodically, including assessing the internal and external audits, the Controls and Compliance department\u2019s monitoring, operational risk analysis cycles, among other procedures.<\/p>\n\n\n\n

Banrisul is an active member of Committees and Working Groups at the Brazilian Federation of Banks (Febraban, in Portuguese), debating current guidelines relevant to the topic of social, environmental and climate risks and responsibility, as well as participating in public consultations and sharing best practices with other institutions in the financial sector.<\/p>\n\n\n\n

Through voluntary reports (such as CDP, GHG, Global Compact and GRI) and compliance reports, we demonstrate the level of compliance with current regulations and adherence to best market practices. The Institution’s processes are also supervised by the Central Bank of Brazil, which issues recommendations and notes when opportunities for improvement and necessary corrections are identified.<\/p>\n\n\n\n

3-3 e) ii) goals, targets, and indicators used to evaluate progress;<\/strong><\/p>\n\n\n\n

The Bank seeks to continuously improve its social, environmental and climate risk management, reflecting the guidelines of international frameworks and best market practices, as well as the national regulatory framework.<\/p>\n\n\n\n

It is worth noting that the Bank monitors the risk of deforestation in the beef chain, a commitment voluntarily made by the Bank as a signatory to Febraban’s self-regulation system. The Bank now requires these customers to adopt a traceability system for their herds by December 2025, which demonstrates that they do not purchase cattle associated with illegal deforestation from direct and indirect suppliers.<\/p>\n\n\n\n

3-3 e) iii) the effectiveness of the actions, including progress toward the goals and targets;<\/strong><\/p>\n\n\n\n

Banrisul’s risk management, especially with regard to social, environmental and climate risks, has been improved to ensure adherence to the standards of the Central Bank of Brazil and the Self-Regulation system of the Brazilian Federation of Banks. Even though the Bank already has robust risk management, there are still opportunities for improvement, especially in defining sensitive sectors and drafting restrictive policies.<\/p>\n\n\n\n

The actions undertaken have proven effective, leading to advancements in the risk theme recognized by CDP, where the Bank improved from a C grade in 2022 to an A grade in risk management and a B grade in risk reporting in 2023.<\/p>\n\n\n\n

3-3 e) iv) lessons learned and how these have been incorporated into the organization\u2019s operational policies and procedures.<\/strong><\/p>\n\n\n\n

The efforts to improve risk management demonstrated the need to formalize processes already developed into internal policies, as well as the importance of establishing robust controls and systematizing monitoring.<\/p>\n\n\n\n

An important step in advancing risk management is to identify the relevant impacts for the Institution, allowing management to prioritize mitigation and correction actions. To this end, a project is underway in partnership with a technical consulting firm specializing in evaluating the impact of products and services offered to the public.<\/p>\n\n\n\n

3-3 f) Describe how engagement with stakeholders has informed the actions taken (3-3-d) and how it has informed whether the actions have been effective (3-3-e).<\/strong><\/p>\n\n\n\n

Banrisul\u2019s corporate risk department interacts with the other administrative and business departments, providing training and assisting first-line managers in developing tools for proper risk management. Internal and external training is available to ensure the continuing education of risk teams.<\/p>\n\n\n\n

In order to capture the perception of the market and the financial system, Banrisul holds meetings with representatives of other institutions and participates in working groups on risk issues. The Ombudsman’s reports are also used as input so we can respond to customer demands.<\/p>\n\n\n\n

When Banrisul receives demands from investors regarding these issues, they are handled together with the investor relations department.<\/p>\n","protected":false},"featured_media":0,"template":"","categoria_indicadores":[1490],"codigo":[1456],"empresas":[],"ano_indicador":[1546],"class_list":["post-6093","indicador","type-indicador","status-publish","hentry","categoria_indicadores-material-topic-environmental-social-and-climate-risk-strategy","codigo-gri-3-3-en","ano_indicador-2023-en"],"acf":[],"yoast_head":"\nMaterial topic - Banrisul<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Material topic - Banrisul\" \/>\n<meta property=\"og:description\" content=\"3-3 a) Describe the actual and potential, negative and positive impacts on the economy, environment, and people, including impacts on their human rights. 3-3 b) Report whether the organization is involved with the negative impacts through its activities or as a result of its business relationships, and describe the activities or business relationships. 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