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Sustainable Regional Development

The Business Strategy of Sustainable Regional Development (DRS) of Banco do Brasil aims to provide support for production activities, based on the identification of the vocation and potential of communities throughout the country, with respect for cultural diversity and traditions. With this strategy, the Bank's major differential comes to the fore, becoming an organization which seeks to develop the regions where it operates, generating work and incomes in a sustainable manner, with an inclusive and participative approach.

With DRS, BB seeks to act as a catalyst for various economic, social and political agents in the adopting of viable economic practices, that are environmentally correct and socially just, contributing to making local economies more dynamic. Its operation is based on the view of the value chain to improve the entire production process, from the supply of inputs, moving on to production, processing, transport, storage, until the delivery of the product to the end consumer.

DRS methodology involves raising the awareness of Banco do Brasil's employees, partners and beneficiaries, mobilizing and training them, as well as drawing up an extensive diagnosis of the value chain in question. Based on this diagnosis, a DRS business plan is drawn up, in which objectives, targets and actions are necessary for the development of the production activity chosen, are all defined. The methodology – see adjacent figure – closes this cycle with the monitoring of the actions defined in the DRS Business Plan and the assessment of the whole process.

The actions include the training of the beneficiaries, stimulating the use of cooperatives and associations, the introduction of new technology, dissemination of an entrepreneurial culture, and the promotion of access to credit.

In the year 2010, DRS Strategy registered 3,800 plans in the process of implementation, involving 1.2 million beneficiaries in 3,900 Brazilian municipalities, with a loan portfolio of approximately R$8.9 billion, of which around R$5.0 billion (56.2%) was part of the National Program for the Strengthening of Family Farming (PRONAF).

Sustainable Regional Development((1)

PerIod Branches Qualified(2) Training in
Families/Beneficiaries Served (4) Production Activities (5)
2006 2,502 6,052 230,939 70
2007 3,998 13,507 725,450 100
2008 4,028 14,974 1,211,368 100
2009 4,073 16,886 1,094,086 155
2010 4,176 18,507 1,167,997 143
(1) Position accumulated in the fourth quarter of each year;
(2) Branches qualified: all the branches/service outlets are qualified to operate DRS strategy (Retail Network). In order to be qualified, the manager of the branch must be trained in DRS as well as one other employee;
(3) Training in DRS: is the quantity of training sessions carried out by employees in BB's corporate courses on sustainable regional development ;
(4) Families served: quantity of families benefited (PF) by some action contained in the DRS Business Plans in the process of implementation (Retail Network). In 2010, there was a methodology change of families served (number of beneficiary households) to beneficiaries (individuals and companies directly involved in productive activities supported and benefited from the Bank's or partners activities in the Business Plans);
(5) Productive activities are all productive activities defined by the work teams and recorded in the applicative DRS in Business Plans being implemented.

Non-performing DRS loan rate on an annual basis – (%)(1)(2)

2006 2007 2008 2009 2010
1.45 1.14 1.92 1.97 1.43
(1) DRS Strategy non-performing loan rate by beneficiaries, with loans past due for more than 60 days – Central Bank Resolution 2.682.
(2) Accumulated position for the fourth quarter of each year.

Loja da Sustentabilidade (Sustainability Store)

In July 2010 Banco do Brasil launched a virtual store for the sale of products from cooperatives served by DRS strategy. This initiative supports economic activities in communities throughout the country.

The purchase of products from the Sustainability Store is carried out with the use of points accumulated under the "Ponto pra Você" program in transactions made using the Ourocard card.

Click here to see the Sustainability Store.