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"Programa Água Brasil" (Brazil Water Program )

As an initiative aimed at the protection of water resources, on March 22, 2010, World Water Day, Banco do Brasil signed a partnership to develop the Programa Água Brasil together with the National Water Agency (ANA), World Wildlife Federation-Brazil (WWF-Brasil) and the Banco do Brasil Foundation (FBB).

Through the Programa Água Brasil, the BB makes a commitment to promote awareness, invest in water resource preservation and conservation resources and seek solutions, in partnership with society, to problems related to this issue. For these efforts, investments of approximately R$57 million will be made available over a five-year period.

The objectives of the Programa Água Brasil are:

• to promote awareness and change the attitudes of society as a whole (internal and external audiences) with respect to environmentally-sound management and conservation, engaging them in the quest for shared solutions on this issue;

• to adopt sustainable practices in agriculture, reducing its impact on natural resources and biodiversity, improving water quality and expanding coverage of natural vegetation, through the implementation of field projects in 14 representative watersheds, located in the Cerrado/Pantanal, Atlantic Forest, Amazonia, Caatinga and Pampa biomes;

• to foster a change in behavior and values that will stimulate consumer awareness and the proper treatment of municipal solid waste in five cities, one per each region of Brazil - South, Southeast, Midwest, Northeast and North;

• to disseminate and reapply models and best practices for the management and conservation of the country's water resources;

• to review and update Banco do Brasil's social and environmental criteria used in its financing and investment processes;

• to review and refine business models aimed at sustainable regional development, and strengthen/expand Banco do Brasil's portfolio of financial products and services that offer incentives for and stimulate projects with socio-environmental characteristics;

• to broaden the base of social support for environmental conservation and management, consumer awareness and recycling of solid waste through specific communication campaigns, aimed at BB's internal and external audiences, for this purpose.

The program, which has a transverse relationship to Agenda 21, has initiatives related to all of its four major themes:

• Socio-environmental projects in urban and rural areas;

• Risk Mitigation;

• Business Sustainability;

• Communication & Engagement.

Collaborative activities are designed to develop and disseminate new social technologies, which encourage more sustainable forms of production in the field, and also to change attitudes and values in relation to consumer awareness and solid waste treatment in cities.

The major focus of risk mitigation will be a benefit to both Banco do Brasil and WWF-Brasil in the assessment of potential risks and opportunities associated, principally, with agricultural and livestock activities by fostering a better understanding of the interaction and interdependence relationship of the chain links an orientation towards the pursuit of excellence in these sectors. Thus, the axis of this program aims to reduce some of the negative impacts of traditional production and marketing practices on communities and the environment and, consequently, mitigate potential risks to Banco do Brasil's operations. As a result of this work, BB will have an opportunity to promote the revision and improvement of criteria and tools for socio-environmental financing and financial investment risk assessment.

The New Business Development Axis aims at increasing the portfolio of financial products and services of the Banco do Brasil, always based on best practices of environmental responsibility that have direct impact on environmental conservation.

The Communications & Engagement Axis aims to foster public awareness among BB's stakeholders and partner organizations to the problems related to the environmental cause, as reflected in the quality of our waters.

The Socio-Environmental Projects seek to improve the quality and supply of water and expand the coverage of natural vegetation in pilot water catchment basins, encouraging changes in behavior and values regarding the production, disposal and treatment of solid urban waste. For rural socio-environmental projects, 14 water basins representative of Brazilian catchment areas will be developed in a number of biomes:

• Catchment basins of Ribeirão do Guariroba (MS), Rio Sepotuba (MT), Rio Pipiripau and Rio São Bartolomeu (GO), Rio Pereaçú (MG), in the Cerrado/Pantanal biomes;

• Catchment basins of Rio Lençóis, Rio Cancã and Rio Moinho (SP), Rio Beneventes (ES) and Rio das Pedras (RJ), in the Atlantic Forest biome;

• Catchment basins of Rio Acre (AC) and Rio Alto Teles Pires (MT), in the Amazon biome;

• Catchment basins of Rio Longá (PI), in the Caatinga biome;

• Catchment basins of Rio Camaquã (RS), in the Pampa biome.

In urban areas, initiatives geared toward conscientious consumption and recycling will be developed in five cities of differing sizes, representing each one of Brazil's regions, as follows :

• Pirenópolis, Goiás, a small town, representing the Midwest;

• Caxias do Sul, Rio Grande do Sul, an average-sized city in the South;

• Rio Branco, Acre, an average-sized city representing the North;

• Natal, Rio Grande do Norte, in the Northeast; and

• Belo Horizonte, Minas Gerais, a large metropolis, representing the Southeast.

Click here to see more details about the Water Brasil Program.

Eco-Efficiency and Environmental Indicators

Since the 1990s, Banco do Brasil has incorporated eco-efficiency principles into its processes. In 2006, it formally launched its Eco-Efficiency Program, incorporating existing initiatives and expanding the focus of these activities. BB's eco-efficiency management is based on resource use optimization (water, electricity, printer cartridges, paper, etc.), proper disposal of solid wastes, development of monitoring and control tools, among other initiatives.

Materials Consumption
EN1 | EN2 | EN6 | EN22

In BB's materials management, the program promotes eco-efficiency monitoring of inflow and outflow of wastes, properly identified and documented. The management of solid wastes can be separated into two phases:

a)  Selective collection, with proper waste separation and shipment to recycling facilities;
b)  Shipment of waste to recycling associations or cooperatives, which helps to promote work and income; or to BB employee citizenship committees, which can benefit social projects through the proceeds from the sale of these materials.

The first phase of the Eco-efficiency Program's selective collection subprogram was implemented in 2008, in seven BB buildings: Headquarters Buildings I, II, III, and IV, as well as Tancredo Neves (Brasília), the Sedan Building and Andaraí Complex (Rio de Janeiro). The second phase will be implemented in 2011 with the program's expansion to other municipalities, as envisaged in Agenda 21's updated target goals for the 2011-2013 period.

In 2010, BB consumed 3,516 tons of A4 paper, which represents an increase in consumption. This increase is not significant, considering expansion in its number of branches and employees. All paper used by the bank is certified by the FSC or Cerflor, and 9.39% (330 tons) comes from recycling.

As regards toner cartridges, the use of reconditioned cartridges recycles plastic housings and economizes on non-renewable resources, such as petroleum. The purchasing process for this item is strict, subject to sample analysis procedures and technical visits. In 2010, the amount of reconditioned cartridges was 106,081 units, representing 98.7% of BB's total consumption.

Paper Consumption


Toner Consumption

  Consumed Cartridge Qty. Reconditioned Cartridge Qty. % Cartridges Reconditioned
2008 90,739 90,739 100%
2009 97,693 97,151 99.45%
2010 107,475 106,081 98.70%

Water and Energy
EN5 | EN7 | EN8 | EN9 | EN10 | EN3 | EN21

Water consumed in Banco do Brasil's administrative facilities, and the effluent disposal systems for them, is provided through public utility concessionaires. Thus, there is no water reuse or recycling by BB.

Water Consumption

Strategic buildings (m3) 2007 2008 2009 2010
HQ I 75,833.79 68,698.00 76,741.00 70,465.00
HQ II 10,286.67 10,560.00 9,746.00 10,393.00
HQ III 44,865.93 40,032.00 37,830.00 39,151.00
HQ IV(1) - - 44,262.00 37,673.00
CCT(1) - - 594.00 14,141.00
Tancredo Neves(1)  -  - 33,758.00 31,525.00
Total 131,036.39 119,290 202,931.00 203,348.00

(1) As of 2009, in addition to headquarters buildings I, II and III, BB added three more buildings into its water calculations: Headquarters IV, CCT and Tancredo Neves, all located in Brasília.


Power Consumption (T j)

As regards energy, since 1990, BB has taken part in the Electricity Conservation Program (Proceno), which aims to control electricity consumption on the Bank's premises and promote its rational use. Among others, initiatives adopted over the years have included energy efficient upgrades to lighting systems and replacements of air conditioning systems. As with its water supplies, most of BB's electricity consumption is provided by energy distributors, whose source is predominantly clean and renewable.

Water Consumption - Strategic Buildings


(1) As of 2009, in addition to headquarters buildings I, II and III, BB added three more buildings into its water calculations: Headquarters IV, CCT and Tancredo Neves, all located in Brasília.

Power Consumption


(1) In 2010, there was a change in the methodology used to calculate energy consumed by Banco do Brasil. In previous years, consumption was calculated based on energy costs listed in billing statements. In 2010, through a new management system, a new method was implemented that allows for the logging of actual kWh of electricity consumed (as listed in billing statements). Banco do Brasil's electricity consumption management system is in development and consumption data for electricity may change over time.

Investments in the Environment

Investments Related to the Company's Production/Operations (R$ thousand) 2010 2009
Land Expropriation n/a n/a
Contingencies and Environmental Liabilities - -
Program for Technological and Industrial development 46,389 22,204
Energy conservation   -
Environmental education n/a -
Sector Indicator n/a n/a
Other 24,069 20,659
- Building of sustainable Agencies 4,670 2,150
- Investment in the Program for Reconditioning Cartridges 19,386 17,578
- Puragua - Rationalization of Consumption and Water Saving (5) - 931
- Internal Environmental Auditing 13 -
Total Investments Related to the Company's Production/Operations 70,458 42,862

Greenhouse Gases Emissions (GHG) Offsets

To offset some of its GHG emissions, since 2007, the Banco do Brasil conglomerate has developed some initiatives. Key figures for 2010 are:

• Banco do Brasil Beach Volleyball Tour and Brazil Tennis Open, sponsored by BB in Costa do Sauípe, Bahia: 1,392 trees planted.

• Brasilprev Seguros e Previdência S.A. (Brasilprev Insurance and Pensions): In 2010, Brasilprev conducted an inventory of its 2007, 2008 and 2009 greenhouse gases emissions, arrived at a total emissions figure of 1,325.26 tCO2e. To offset those emissions, Brasilprev opted for forest conservation and became responsible for a native forest, covering an area of approximately six hectares, located in the municipality of Barra do Turvo in the state of São Paulo.

GHG Emissions Inventory – GHG Protocol, Carbon Disclosure Project, Climate Change & Business

EN3 | EN16 | EN17 | EN18 | EN29

As a signatory to the Brazilian GHG Protocol Program, Businesses for the Climate, and the Carbon Disclosure Project – pacts and commitments for the management, reporting about and reduction of greenhouse gas emissions – Banco do Brasil, in 2009, published its first emissions inventory (the Company's emissions in 2008), based on Phase I of the Brazilian GHG Protocol Program. Upon completion of its GHG inventory, BB has taken steps to reduce emissions, including incentives to decrease travel and the use of videoconference equipment.

In the 2010 inventory, which was also based on the Brazilian GHG Protocol Program, vehicle emissions, electricity (from its own generators and purchased power), and air travel by officials was assessed.

CO2 Emissions Inventory – Banco do Brasil

Source 2009 2010 Variation
SCOPE 1: Fleet of company-owned or rented vehicles in use in the facilities 4.495 tCO2e
(Alcohol - 534,600 liters)
(Gasoline - 2,6 million liters)
(Diesel - Prejudicado)
4.850 tCO2e
(Alcohol - 501,000 liters)
(Gasoline - 2,38 million liters)
(Diesel - 244,000 liters)
Scope 1: Power Generators 982,3 tCO2e (365,100 liters of oil)  1.221 tCO2e (478,000 liters of oil) 24
SCOPE 1: Biomass 1.731 tCO2e 1.636 tCO2e (8)
Scope 2: Purchased Power(1)(2) 17.591 tCO2e 29.538 tCO2e -
SCOPE 3: Air Travel(2) 8.234 tCO2e 13.754 tCO2e 67

Banco do Brasil's electricity consumption and air travel management systems are currently under development, and published data may change over time, reflecting changing values of its respective CO2 emissions. In April 2011, Banco do Brasil contracted a specialized consulting firm to improve its greenhouse gases emissions inventory.
(2) In 2010, the energy consumption calculation methodology was amended. Thus, it is not possible to compare the CO2 emissions from energy.


Carbon Efficiency Index – ICO2

Banco do Brasil's participation in BM&FBOVESPA's June 2010 Carbon Efficiency Index is a further demonstration of Banco do Brasil's transparency in relation to its practices and Socio-Environmental Responsibility (SER) practices. It also demonstrates its readiness to adopt best eco-efficiency business practices and contribute to a low carbon economy, consistent with the provisions of its Corporate Strategy.

The ICO2 comprises the share of companies participating in the IBrX-50 and takes into consideration in its composition not only the free float of shares of these companies but also GHG emissions efficiency levels, identified through an analysis of emissions inventories.

Carbon Credit Market

Since 2005, when it created the Carbon Credit Market Internal Forum, Banco do Brasil has been active in the trade of carbon credits, whose market was estimated at US$10 billion in 2010, alone. In 2006, BB issued a letter of credit, worth €1.2 million to secure an advance on an anticipated sales contract for carbon credits. The contract, which will feature these and other advances, is valid until 2012 and has a total value of €13.25 million.

That same year, Banco do Brasil, Sumitomo Mitsui Banking Corporation and its subsidiary, Banco Sumitomo Mitsui Brasileiro, signed a memorandum of understanding to support likely developments in the generation of carbon credits. Sumitomo Mitsui is a leading player in the international carbon credit market.

In November 2007, Banco do Brasil participated in the efforts that made possible the first public auction for sale of carbon credits, which was held by the Brazilian Mercantile and Futures Exchange (BM&F). The auction was held for the sale of Certified Emission Reduction (CER) credits held by the City of São Paulo, in an action that raised €13.096 million. In subsequent years, BB was chosen by the City of São Paulo to secure new carbon credit sales operations.

In 2008, Banco do Brasil issued a standby letter of credit worth US$4.5 million to secure early payment of certified emissions reduction for Essencis Environmental Solutions S.A., which oversees a landfill in Caieiras, São Paulo, whose processing capacity is 1.5 million tons of waste per year.


In its vision of sustainability, Banco do Brasil is biodiversity-conscious. Although not located in protected areas or those where biodiversity is significantly threatened, BB adheres to commitments related to the topic. One example is compliance with the "Carbon Disclosure Project Working Group," in which, from July 2006 forward, the Bank promises not to finance projects in deforested areas of the Amazonian biome.

Another BB initiative is participation in the Sustainable Amazon Forum, a group composed of several organizations that discuss options for the sustainable development of the Brazilian Amazon.