Material themes
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...
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...
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...
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.
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...
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.
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.
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 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...
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...
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...
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.
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...
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.
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...
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.
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.
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...
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.