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* Sector supplement in final version.

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Indicators of Profile
1. Strategy and Analysis				Observation	Pages	Principles of Global Compact
1.1		Statement from the most senior decisionmaker of the organization about the relevance of sustainability to the organization and its strategy.			1
1.2		Description of key impacts, risks, and opportunities.			1, 8, 10
2. Organizational Profile				Observation	Págs.	Principles of Global Compact
2.1		Name of the organization.			2
2.2		Primary brands, products, and/or services.			2
2.3		Operational structure of the organization, including main divisions, operating companies, subsidiaries, and joint ventures.			2
2.4		Location of organization’s headquarters.			2
2.5		Number of countries where the organization operates, and names of countries with either major operations or that are specifically relevant to the sustainability issues covered in the report.			2
2.6		Nature of ownership and legal form.			2
2.7		Markets served (including geographic breakdown, sectors served, and types of customers/beneficiaries).			22
2.8		Scale of the reporting organization			4
2.9		Significant changes during the reporting period regarding size, structure, or ownership			3, 7
2.10		Awards received in the reporting period			42
3. Report Parameters				Observation	Págs.	Principles of Global Compact
3.1		Reporting period (e.g., fiscal/calendar year) for information provided.			3
3.2		Date of most recent previous report (if any).			3
3.3		Reporting cycle (annual, biennial, etc.)			3
3.4		Contact point for questions regarding the report or its contents.			3
3.5		Process for defining report content, including: a) Determining materiality; b) Prioritizing topics within the report;  and c) Identifying stakeholders the  organization expects to use the report.		Establishing the priority themes to be covered was raised in the interviews held with the vice presidents of the Bank and the Stakeholders' Panel held in November 2010 with 31 people in all, divided into the following strategic stakeholder groups: shareholders, employees, specialists, representatives of society, customers and suppliers. This choice of stakeholder groups reflects the Mission and Code of Ethics of the BB. Based on this panel and the interviews with the Bank's executives, the themes covered in the report were identified, in accordance with the table on Page 3 of the Report.	3
3.6		Boundary of the report (e.g., countries, divisions,subsidiaries, leased facilities, joint ventures, suppliers).			3
3.7		State any specific limitations on the scope or boundary of the report.			3
3.8		Basis for reporting on joint ventures, subsidiaries, leased facilities, outsourced operations, and other entities that can significantly affect comparability from period to period and/or between organizations.			3
3.9		Data measurement techniques and the bases of calculations, including assumptions and techniques underlying estimations applied to the compilation of the Indicators and other information in the report.			3
3.10		Explanation of the effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement (e.g., mergers/acquisitions, change of base years/periods, nature of business, measurement methods).		In 2010, there was a change in the methodology used for the calculation of the energy consumed by Banco do Brasil. In previous years, the consumption was calculated based on the amounts shown on the electricity bills of the branches. In 2010, a new method was introduced, which allowed the typing in off the relevant data referring to the real consumption in kilowatt hours, contained in the electricity bills, using a specific management system.	3, 24
3.11		Significant changes from previous reporting periods in the scope, boundary, or measurement methods applied in the report.			3
3.12		Table identifying the location of the Standard Disclosures in the report.			43
3.13		Policy and current practice with regard to seeking external assurance for the report.			3, anexos
4. Governance, Commitments, and Engagement				Observation	Págs.	Principles of Global Compact
4.1		Governance structure of the organization, including committees under the highest governance body responsible for specific tasks, such as setting strategy or organizational oversight.			13
4.2		Indicate whether the Chair of the highest governance body is also an executive officer (and, if so, their function within the organization’s management and the reasons for this arrangement).			13
4.3		For organizations that have a unitary board structure, state the number and gender of members of the highest governance body that are independent and/or non-executive members.			13
4.4		Mechanisms for shareholders and employees to provide recommendations or direction to the highest governance body.			13
4.5		Linkage between compensation for members of the highest governance body, senior managers, and executives (including departure arrangements), and the organization’s performance (including social and environmental performance).			13
4.6		Processes in place for the highest governance body to ensure conflicts of interest are avoided.			11, 14
4.7		Process for determining the composition, qualifications, and expertise of the members of the highest governance body and its committees, including any consideration of gender and other indicators of diversity.			13
4.8		Internally developed statements of mission or values, codes of conduct, and principles relevant to economic, environmental, and social performance and the status of their implementation.			2, 10, 14
4.9		Procedures of the highest governance body for overseeing the organization’s identification and management of economic, environmental, and social performance, including relevant risks and opportunities, and adherence or  compliance with internationally agreed standards, codes of conduct, and principles.			13, 14, 16
4.10		Processes for evaluating the highest governance body’s own performance, particularly with respect to economic, environmental, and social performance.			13
4.11		Explanation of whether and how the precautionary approach or principle is addressed by the organization.			14, 15	7
4.12		Externally developed economic, environmental, and social charters, principles, or other initiatives to which the organization subscribes or endorses.			14
4.13		Memberships in associations (such as industry associations) and/or national/international advocacy organizations in which the organization: a) Has positions in governance bodies; b) Participates in projects or committees; c) Provides substantive funding beyond routine membership dues; or d) Views membership as strategic.			17, 29
4.14		List of stakeholder groups engaged by the organization.			10, 14, 21
4.15		Basis for identification and selection of stakeholders with whom to engage.		Banco do Brasil has relationships with a variety of stakeholder groups. The stakeholders on the Panel were chosen based on the Mission and Code of Ethics of BB in which priority is given to customers, shareholders, suppliers, employees, competitors, communities, the environment and government.	14, 32
4.16		Approaches to stakeholder engagement, including frequency of engagement by type and by stakeholder group.		Banco do Brasil interacts with stakeholders through several channels to be found throughout the chapter Connection (page 21). This chapter describes the BB's initiatives with each stakeholder group, including the means of engagement. For example, with customers (pg 22), employees (pg 24), the community (pg 25), shareholders (pg 23), government (pg 26), competitors (pg 29), miscellaneous shareholders (pg 32) and the Stakeholder Panel (pg 3).	21, 32
4.17		Key topics and concerns that have been raised through stakeholder engagement, and how the organization has responded to those key topics and concerns, including through its reporting		BB consults its stakeholders so as to evaluate and define important themes. In November 2011, 31 people took part in the II Stakeholder Panel of Banco do Brasil. The result is available in the "Stakeholder Panel" box (pg 3) which shows the demands arising from the Stakeholder Panel and how each of these was dealt with. This table also shows the location of the initiatives in the chapters of the Report.	14, 21, 32
Economic Performance Indicators
Disclosure on Management Approach			Disclosure		Pages	Principles of Global Compact
					09, 31
ASPECT: ECONOMIC PERFORMANCE				Observation	Pages	Principles of Global Compact
CORE	EC1	Direct economic value generated and distributed, including revenues, operating costs, employee compensation, donations and other community investments, retained earnings, and payments to capital providers and governments.			4
CORE	EC2	Financial implications and other risks and opportunities for the organization’s activities due to climate change.			28, 33, 38
CORE	EC3	Coverage of the organization’s defined benefit plan obligations.			24
CORE	EC4	Significant financial assistance received from government.			25, 33
ASPECT: MARKET PRESENCE			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	EC5	Range of ratios of standard entry level wage by gender compared to local minimum wage at significant locations of operation.		See Ibase Social Balance Sheet.	6
CORE	EC6	Policy, practices, and proportion of spending on locally-based suppliers at significant locations of operation.		Banco do Brasil is a mixed capital company, and the process for selecting its suppliers is subject to Law 8.666/93. Selecting and retaining suppliers and service providers is governed by impartial and transparent criteria which do not favor local suppliers.	27
CORE	EC7	Procedures for local hiring and proportion of senior management hired from the local community at locations of significant operation.		The hiring process of the BB is by means of public examinations held in every state of Brazil, as envisaged in article 37 of the Brazilian Constitution and in article 48 of the Bank's 2nd article of association. This is the only way of joining the Bank, while promotions take place according to performance and internal policies. That is why there are no procedures for local hiring of senior management from within local communities.	24	7, 8, 9
ASPECT: INDIRECT ECONOMIC IMPACTS			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EC8	Development and impact of infrastructure investments and services provided primarily for public benefit through commercial, inkind, or pro bono engagement.			25, 32
ADD	EC9	Understanding and describing significant indirect economic impacts, including the extent of impacts.			32
Environmental Performance Indicators
Disclosure on Management Approach			Disclosure		Pages	Principles of Global Compact
					28
ASPECT: MATERIALS				Observation	Pages	Principles of Global Compact
CORE	EN1	Materials used by weight or volume.			5, 28
CORE	EN2	Percentage of materials used that are recycled input materials.			28	8, 9
ASPECT: ENERG Y			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EN3	Direct energy consumption by primary energy source.			5, 28
CORE	EN4	Indirect energy consumption by primary source.		The indirect energy consumed by BB is purchased from electricity companies. The sources of these distributors are derived from the Brazilian energy matrix, for the most part renewable (around 70%).	5
ADD	EN5	Energy saved due to conservation and efficiency improvements.		The calculation methodology for the consumption of energy was altered in 2010. As a consequence, it is not possible to compare the total amount of energy saved from one year to the other.	5	8, 9
ADD	EN6	Initiatives to provide energy-efficient or renewable energy based products and services, and reductions in energy requirements as a result of these initiatives.			28	8, 9
ADD	EN7	Initiatives to reduce indirect energy consumption and reductions achieved.			28	8, 9
ASPECT: WATER			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EN8	Total water withdrawal by source.			5, 28
ADD	EN9	Water sources significantly affected by withdrawal of water.			28
ADD	EN10	Percentage and total volume of water recycled and reused.			28	8, 9
ASPECT: BIODIVERSITY			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EN11	Location and size of land owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas.			28
CORE	EN12	Description of significant impacts of activities, products, and services on biodiversity in protected areas and areas of high biodiversity value outside protected areas.			28
ADD	EN13	Habitats protected or restored.		Not applicable to banking activities.		8
ADD	EN14	Strategies, current actions, and future plans for managing impacts on biodiversity.			28	8
ADD	EN15	Number of IUCN Red List species and national conservation list species with habitats in areas affected by operations, by level of extinction risk.		Not applicable to banking activities.
ASPECT: EMISSIONS, EFFLUENTS, AND WASTE			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EN16	Total direct and indirect greenhouse gas emissions by weight.			5, 28
CORE	EN17	Other relevant indirect greenhouse gas emissions by weight.			5, 28
ADD	EN18	Initiatives to reduce greenhouse gas emissions and reductions achieved.			28	8
CORE	EN19	Emissions of ozone-depleting substances by weight.		The activities of Banco do Brasil do not have any impact on the ozone layer, as in the specific case of CFC 11. The two possibilities were existing refrigerators and air-conditioners, which have been substituted by others that use non-harmful technology.
CORE	EN20	NOx, SOx, and other significant air emissions by type and weight.		The Bank also does not have mechanisms for the measuring of NOx and SOx emissions.
CORE	EN21	Total water discharge by quality and destination.		Banco do Brasil is a financial institution, whereby the disposal of water is domestic and treated by concessionaires with no significant impacts.		8
CORE	EN22	Total weight of waste by type and disposal method.		Banco do Brasil delivers solid waste (paper, plastic, glass and metal) collected on its premises to rag-and-bone cooperatives and associations. Therefore the total waste generated is not measured. In 2010, the Agenda 21 (the 2011-2013 period) was formalized, the commitment to implement by December 2012 selective collection at all the Bank's premises located in municipalities enjoying public selective collection or rag-and-bone ssociations/cooperatives. Thus once this process has been concluded, BB will then report the total weight of waste by type and method of disposal.	28	8
CORE	EN23	Total number and volume of significant spills.		Given the nature of its services, Banco do Brasil is not involved in activities with significant risk of spillage.
ADD	EN24	Weight of transported, imported, exported, or treated waste deemed hazardous under the terms of the Basileia B Convention Annex I, II, III, and VIII, and percentage of transported waste shipped internationally.		Not applicable to banking activities, as the BB does not generate the harmful waste envisaged in the Basel Convention - Exhibits I, II, III and VIII. Thus there is no intention of reporting this indicator in the future.
ADD	EN25	Identity, size, protected status, and biodiversity value of water bodies and related habitats significantly affected by the reporting organization’s discharges of water and runoff.		Not applicable to banking activities, since the BB does not operate in areas where the biodiversity of water course and related habitats are significantly affected by the disposal of water. Thus there is no intention of reporting this indicator in the future.
ASPECT: PRODUCTS AND SERVICES			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EN26	Initiatives to mitigate environmental impacts of products and services, and extent of impact mitigation.			28, 40	8
CORE	EN27	Percentage of products sold and their packaging materials that are reclaimed by category.		Not applicable to banking activities.		8
ASPECT : COMPLIANCE			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	EN28	Monetary value of significant fines and total number of non-monetary sanctions for noncompliance with environmental laws and regulations.		In the period, there were no records related to this theme.
ASPECT : TRANSPORT			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	EN29	Significant environmental impacts of transporting products and other goods and materials used for the organization’s operations, and transporting members of the workforce.		With respect to the transport of employees, the impacts of aeroplane travel and the bank’s own vehicle fleet has been mapped out. These indicators are disclosed in the greenhouse gas emission inventory in the Connection chapter –The Environment.	28
ASPECT : OVERALL			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	EN30	Total environmental protection expenditures and investments by type.			6, 28	8
Labor Practices and Decent Work Performance Indicators
Disclosure on Management Approach			Disclosure		Pages	Principles of Global Compact
					24
ASPECT: EMPLOYMENT				Observation	Pages	Principles of Global Compact
CORE	LA1	Total workforce by employment type, employment contract, and region, broken down by gender.			24
CORE	LA2	Total number and rate of new employee hires and employee turnover by age group, gender, and region.			24	6
ADD	LA3	Benefits provided to full-time employees that are not provided to temporary or part time employees, by significant locations of operation.			24, 25
ASPECT: LABOR/MANAGEMENT RELATIONS			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	LA4	Percentage of employees covered by collective bargaining agreements.			24	3
CORE	LA5	Minimum notice period(s) regarding operational changes, including whether it is specified in collective agreements.			24	3
ASPECT: OCCUPATIONAL HEALTH AND SAFETY			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	LA6	Percentage of total workforce represented in formal joint management–worker health and safety committees that help monitor and advise on occupational health and safety programs.			24
CORE	LA7	Rates of injury, occupational diseases, lost days, and absenteeism, and total number of work-related fatalities, by region and by gender.		In the period, there were no deaths.	24
CORE	LA8	Education, training, counseling, prevention, and risk-control programs in place to assist workforce members, their families, or community members regarding serious diseases.			24
ADD	LA9	Health and safety topics covered in formal agreements with trade unions.			24
ASPECT: TRAINING AND EDUCATION			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	LA10	Average hours of training per year per employee by gender, and by employee category.			24
ADD	LA11	Programs for skills management and lifelong learning that support the continued employability of employees and assist them in managing career endings.			24
ADD	LA12	Percentage of employees receiving regular performance and career development reviews, by gender.			24
ASPECT: DIVERSITY AND EQUAL OPPORTUNITY			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	LA13	Composition of governance bodies and breakdown of employees per employee category according to gender, age group, minority group membership, and other indicators of diversity.			6, 13, 24	6
CORE	LA14	Ratio of basic salary and remuneration of women to men by employee category, by significant locations of operation.			24	6
Human Rights Performance Indicators
Disclosure on Management Approach			Disclosure		Pages	Principles of Global Compact
					14, 28
ASPECT: INVESTMENT AND PROCUREMENT PRACTICES			Disclosure	Observation	Pages	Principles of Global Compact
CORE	HR1	Percentage and total number of significant investment agreements and contracts that include clauses incorporating human rights concerns, or that have undergone human rights screening.		All contracts for significant investment, located in the Investment chapter – Non-Accounting in Tangible Assets – Technology, have clauses referring to human rights, adhering to the Bank’s policy for its supplier relationships  –  Connection chapter – Suppliers.	27	1
ADD	HR2	Percentage of significant suppliers, contractors, and other business partners that have undergone human rights screening, and actions taken.		100% of the contracts with suppliers have clauses referring to human rights, following the supplier relationship policy – Connection chapter –  Suppliers.	27	1
ADD	HR3	Total hours of employee training on policies and procedures concerning aspects of human rights that are relevant to operations, including the percentage of employees trained.		Partial – there is no specific training related to aspects of human rights.  The Bank provides training which deals with subjects related to the theme, and which are accounted for in the indicator LA10.
ASPECT: NON-DISCRIMINATION			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	HR4	Total number of incidents of discrimination and corrective actions taken.			24	6
ASPECT: FR EEDOM OF ASSOCIATION AND COLLECTIVE BARG AINING CORE			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	HR5	Operations and significant suppliers identified in which the right to exercise freedom of association and collective bargaining may be violated or at significant risk, and actions taken to support these rights.		In the operations there is no inherent risk.	24	3
ASPECT: CHILD LABOR			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	HR6	Operations and significant suppliers identified as having significant risk for incidents of child labor, and measures taken to contribute to the effective abolition of child labor.		In the operations there is no inherent risk.	27	5
ASPECT: FORCED AND COMPULSORY LABOR CORE			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	HR7	Operations and significant suppliers identified as having significant risk for incidents of forced or compulsory labor, and measures to contribute to the elimination of all forms of forced or compulsory labor.		In the operations there is no inherent risk.	14, 27	2, 4
ASPECT: SECURITY PRACTICES			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	HR8	Percentage of security personnel trained in the organization’s policies or procedures concerning aspects of human rights that are relevant to operations.		The security contracts contain clauses in which the contracting party declares and is obliged to exercise its activities in compliance with the legislation in force.  Ordinance No. 387/2006 – DG/DPF BRASÍLIA/DF.  Determines that to exercise the profession of security guard, a number of requirements must be fulfilled, including approval by a qualification course for security guards.  According to the respective ordinance, the qualification courses must cover topics related to human rights, such as for example, legislation applied to human rights and human relations in the workplace.		1
ASPECT: INDIGENOUS RIGHTS			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	HR9	Total number of incidents of violations involving rights of indigenous people and actions taken.		Not applicable to banking activities.		1
Society Performance Indicators
Disclosure on Management Approach			Disclosure		Pages	Principles of Global Compact
					14, 17, 24
ASPECT: LOCAL COMMUNITIES			Disclosure	Observation	Pages	Principles of Global Compact
CORE	SO1	Percentage of operations with implemented local community engagement, impact assessments, and development programs.			14, 25
ASPECT: CORRUPTION			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	SO2	Percentage and total number of business units analyzed for risks related to corruption.			17, 24	10
CORE	SO3	Percentage of employees trained in organization’s anti-corruption policies and procedures.			24	10
CORE	SO4	Actions taken in response to incidents of corruption.		Cases of corruption are dealt with in secrecy.	24	10
ASPECT : PUBLIC POLICY			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	SO5	Public policy positions and participation in public policy development and lobbying.			14, 26
ADD	SO6	Total value of financial and in-kind contributions to political parties, politicians, and related institutions by country.		The Bank does not make contributions to political parties, as set out in its Code of Ethics.	26
ASPECT: ANTI-COMPETITIVE BEHAVIOR ADD			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	SO7	Total number of legal actions for anticompetitive behavior, anti-trust, and monopoly practices and their outcomes.			29
ASPECT: COMPLIANCE			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	SO8	Monetary value of significant fines and total number of non-monetary sanctions for noncompliance with laws and regulations.			15, 19, 25
Product Responsibility Performance Indicators
Disclosure on Management Approach			Disclosure		Pages	Principles of Global Compact
					17 and 19
ASPECT: CUSTOMER HEALTH AND SAFETY			Disclosure	Observation	Pages	Principles of Global Compact
CORE	PR1	Life cycle stages in which health and safety impacts of products and services are assessed for improvement, and percentage of significant products and services categories subject to such procedures.			17
ADD	PR2	Total number of incidents of non-compliance with regulations and voluntary codes concerning health and safety impacts of products and services during their life cycle, by type of outcomes.		Not applicable to banking activities.
ASPECT : PRODUCT AND SERVICE LABELING			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	PR3	Type of product and service information required by procedures, and percentage of significant products and services subject to such information requirements.			17, 36
ADD	PR4	Total number of incidents of non-compliance with regulations and voluntary codes  concerning product and service information and labeling, by type of outcomes.			15
ADD	PR5	Practices related to customer satisfaction, including results of surveys measuring customer satisfaction.		The indicator was not reported in full, due to the confidentiality of the information.	22
ASPECT : MARKETING COMMUNICATIONS			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	PR6	Programs for adherence to laws, standards, and voluntary codes related to marketing communications, including advertising, promotion, and sponsorship.		BB does not sell products which are not a target for public debate or which have been prohibited .	19
ADD	PR7	Total number of incidents of non-compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship by type of outcomes.			19
ASPECT : CUSTOMER PRIVACY			Disclosure	Observation	Págs.	Principles of Global Compact
ADD	PR8	Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data.		Not reported in full, due to the confidentiality of information.
ASPECT: COMPLIANCE			Disclosure	Observation	Págs.	Principles of Global Compact
CORE	PR9	Monetary value of significant fines for noncompliance with laws and regulations concerning the provision and use of products and services.			15
Sector indicators			Disclosure	Observation	Pages	Principles of Global Compact
Disclosure on Management Approach					14
Sectorial	FS1	Policies with specific environmental and social components applied to business lines.			14
Sectorial	FS2	Procedures for assessing and screening environmental and social risks in business lines.			15, 33
Sectorial	FS3	Processes for monitoring clients’ implementation of and compliance with environmental and social requirements included in agreements or transactions.			33
Sectorial	FS4	Process(es) for improving staff competency to implement the environmental and social policies and procedures as applied to business lines.			24, 33
Sectorial	FS5	Interactions with clients/investees/business partners regarding environmental and social risks and opportunities.			3, 33
Sectorial	FS6	Percentage of the portfolio for business lines by specific region, size (e.g. micro/SME/large) and by sector.			33
Sectorial	FS7	Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose.			40
Sectorial	FS8	Monetary value of products and services designed to deliver a specific environmental benefit for each business line broken down by purpose.			40
Sectorial	FS9	Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures.			15, 33
Sectorial	FS10	Percentage and number of companies held in the institution’s portfolio with which the reporting organization has interacted on environmental or social issues.			32, 33
Sectorial	FS11	Percentage of assets subject to positive and negative environmental or social screening.			38
Sectorial	FS12	Voting polic(ies) applied to environmental or social issues for shares over which the reporting organization holds the right to vote shares or advises on voting.		Although it does not have a policy that provides voting guidelines, BB follows the principles of the Global Compact and contributes to environmental policies in exercising its right to vote with various ministries, with respect to environmental and social questions, such as the Ministry for the Environment – MMA, Ministry of Agriculture, Animal Breeding and Supply – MAPA and others.
Sectorial	FS13	Access points in low-populated or economically disadvantaged areas by type.			22
Sectorial	FS14	Initiatives to improve access to financial services for disadvantaged people.			22
Sectorial	FS15	Policies for the fair design and sale of financial products and services.			14, 16
Sectorial	FS16	Initiatives to enhance financial literacy by type of beneficiary.			25

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