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 granting credit and for investing in companies in higher-risk sectors, ensuring that, among other factors, there is no deforestation associated with the bank’s transactions, nor any violation of human rights.

Material topics	GRI Indicators	Impacts	Resources / stakeholders affected
Social, environmental, and climate risk	GRI 3: Material topics 2021 GRI 201: Economic performance 2016 GRI 408: Child labor 2016 GRI 409: Forced or compulsory labor 2016	We are exposed to negative impacts associated with the portfolio’s increased sensitivity to extreme events and regulatory restrictions due to sector concentration and the depreciation of collateral in areas subject to climate risks or social and environmental restrictions. In addition, extreme weather events can lead to operational disruptions and system downtime, contingency costs, loss of productivity, and impacts on customer service. Conversely, proactive management of these risks and the adaptation of strategic planning for the climate transition have helped mitigate future costs, strengthen operational resilience, and position us as a benchmark in sustainable practices, expanding the origination of green business and opportunities aligned with the low-carbon economy.	Shareholders and investors; customers; suppliers and partners; the environment; the Company’s operations; regulatory authority.