In our Corporate Strategy (ECBB 2018-2022), we formally assumed the purpose of taking care of what is valuable to people. That means assisting in the achievement and preservation of which is important for our customers, shareholders, employees and society in general. With this commitment and inspired by the Sustainable Development Goals of the UN, we support our Sustainability Plan, referred to as Agenda 30 BB.

In response to the demands of our stakeholders, we seek to demonstrate our value creation and the importance of our transforming role through our products and services, promoting the transition to a green and inclusive economy, supported by digital transformation. Learn about the highlights of the year.


Click here to see the 2017
Annual Report in full.

2017 in BB


Assets:
R$1.37 trillion

Net Worth:
R$98.7 billion

857 products
in our portfolio

Core Capital Ratio (Basel):
10.48%

Market Share in Credit:
19.3%

Market Share in Agribusiness:
60.0%

Total number of employees 99,161

Global Map Estados Unidos México Panamá Peru Chile Argentina Bolivia Paraguai Brasil Portugal Reino Unido naosei1 Alemanha naosei2 China Japão naosei3

Our Corporate Strategy reinforces the central role of people in our strategic decisions for the purpose of being “A Brazilian innovative company that connects people to their achievements”.

As an innovation, we discuss the resources used and generated by the Bank and the way we interact with our stakeholders, as well as the way we seek to generate value.

Modelo de Criação

Corporate governance

Creation of financial value

In 2017, we achieved an adjusted profit 54.2% higher than the previous year and the highest one in two years, which was the result of a great effort of the entire Bank to generate business with better risk-return ratio and efficiency in the control of expenses. Our correct asset and liability management (ALM) enabled us to face the intense change of the national financial scenario properly, caused by the reduction of the Selic rate from 14.5% to 7.0%.

Adjusted Net Income
R$11.1 billion
R$9.5 to 12.5 billion estimate

Gross Financial
Margin
without Recovery
without Recovery

-3.8%
-4 to 0% estimate

Internal Organizational Broad

Loan Portfolio
-3.2%
-4 to -1% estimate

Expense with Allowance
for Doubtful Accounts Net
of Recovery of Operations in a Loss
-R$20.1
billion
-R$23.5 to -20.5 billion estimate

Income
from Fees

9.0%

6 to 9% estimate

Individuals 2.7%
2 to -5% estimate

Companies -10.6%
-11 a - 8% estimate

Rural 6.1%
6 to 9% estimate

Administrative Expenses
-3.1%
-2.5 a 0.5% estimate

Creation of social value

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66,017 thousand customers

36,417 thousand checking accounts:
34,098 thousand individuals and
2,319 thousand companies

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73.4% of total transactions conducted through cell phones and the internet

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More than 1 million of Estilo Digital consolidating our leadership in the high-income market in Brazil

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APP Cliente 360° Mobile, another way for managers to interact with their portfolios

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82.9% of customer satisfaction in digital channels

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101,247 employees:
99,161 employees and
2,086 interns

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Fale Com seu Gerente, initiative that revolutionized the digital service







Creation of environmental value

Valor Financeiro

Related to theme
Financial Value Creation

Employee Engagement

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Criação de Valor Social

Related to theme
Social Value Creation

Valor Ambiental

Related to theme
Environmental Value Creation

Contributions and associations

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Criação de Valor Social

Related to theme
Social Value Creation

Customer satisfaction surveys

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Criação de Valor Social

Related to theme
Social Value Creation

Valor Financeiro

Related to theme
Financial Value Creation

Occupational Health and Safety

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Criação de Valor Social

Related to theme
Social Value Creation

Code of Ethics and Standards of Conduct

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Corporate Governance

Related to theme
Corporate Governance