Annual Report 2013

Main Indicators

GRIG4-9 G4-EC1
Market Share (%) 2011 2012 2013 13/12
Variance p.p.
Assets  20.9 21.2 21.7 (0.1)
Credit 19.2 20.3 21.1 0.8
Agribusiness 62.8 63.9 66.1 2.2
Deposits  26.4 27.9 27.1 (0.9)
On-lending from the National Economic
and Social Development Bank (BNDES)
21.5 28.6 24.3 (4.3)
Asset Management (1) 21.6 20.0 20.9 0.9
(1) Does not include the assets managed by Banco Votorantim.

Total Assets (R$ billion)

funding (1) (R$ billion)

Net Income (R$ billion)

  (1) Includes total deposits, Agribusiness Letters of Credit (LCA), Mortgage Bonds (LCI) and private security repo transactions.  
     

Return on Shareholders’
Equity (ROE – %)

Cost to Income Ratio (1)

CoVERAGE Ratio (1)

  (1) Ratio of administrative expenses to operating revenue, based on the Income Statement with Re-allocations. (1) Ratio of operating revenue to personnel expenses, based on the Income Statement with Re-allocations.
     

Composition of the Loan Portfolio – Broad Concept (R$ billion) (1)

Delinquencies (INAD + 90 days)

 

THE LOAN PORTFOLIO OF BB SHOWS GROWTH AND A LOW DELINQUENCY RATIO

(1) Includes private securities and sureties provided.    


Social Businesses – Total Portfolio in 2013 (R$ thousand) 2013
The Student Financing Fund (Fies) 10,311,496
BB Accessibility Loans 73,201
Minha Casa Minha Vida Program (Real Estate Lending) (1) 3,940,972
Oriented Productive Microcredit (MPO) (1) 1,592,981
Family Agriculture Development Program (Pronaf) 31,794,706
Total 47,713,356

(1) Individual + Businesses.

Cards – Total Turnover
(R$ billion)

Asset Management
(R$ billion)

THE SOCIAL BUSINESS OF BB EXCEEDED THE R$47 BILLION MARK IN THE PORTFOLIO
IN 2013



Structural Data 2011 2012 2013 13/12
Variance (%)
Service Network 57,531 64,192 67,629 5.4
Customers (thousand) 56,001 58,551 61,375 4.8
Employees 113,810 114,182 112,216 (1.7)


2,371,408 m3 WAS THE TOTAL WATER
CONSUMPTION BY BB IN 2013 (1)

(1) Beginning in 2013 Annual Report, BB starts disclosing the consolidated consumption.



GRIG4-EN6G4-EN7G4-EN15G4-EN16G4-EN17

Paper Consumption (Ton)

Energy Consumption (TJ)

Water Consumption (m3) (1)

(1) White and recycled A4 legal-size and letterhead.
(2) TAA envelopes, TAA rolls and boxes, envelopes, sundry files and cardboard boxes.
  (1) Takes into account the head office buildings (I, II, III and IV), the Central Technology Complex (CCT) and the Tancredo Neves Building, all located in Brasilia.


CO2 Emissions Inventory
Scope Emission Source 2012 2013 (%) Variance
Scope 1 (1) Own Vehicle Fleet (liters) 5,831 tCO2e
(Ethanol – 621,000)
(Gasoline – 2.93 million)
(Diesel – 89,000)
5,284 tCO2e
(Ethanol – 632,000)
(Gasoline – 2.90 million)
(Diesel – 55,000)
(9.4)
Energy Generators (liters) 1,612 tCO2e (Diesel – 642,000) 2,020 tCO2e
(Diesel – 803,000)
25.5
Biomass 1,539 tCO2e 1,692 tCO2e 9.9
Scope 2 (2) Energy Acquired (kWh) 54,235 tCO2e
(794 million)
68,774 tCO2e
(714 million)
26.8
Scope 3 (3) Air Travel (tickets) 7,954 tCO2e
(57,810)
5,917 tCO2e (50,147) (25.6)

(1) The increase in fuel consumption by energy generators is due to the bank’s organizational growth, which increased its inventoried base, in addition to the adaptation of the systematic safety testing of the equipment which now takes place every six months in compliance with changes to the regulatory rules. The biomass source values take into account emissions prevented by substituting fossil fuel with renewable fuel.
(2) Banco do Brasil has been taking actions to optimize electrical energy consumption at all its units, and in 2013, it managed a reduction of around 10% in kWh; the positive variance in the volume of greenhouse gas (GHG) emissions shown in Scope 2 is due to the higher conversion factor of the National Interconnected System in relation to the same period of the previous year, on account of the constant use of thermoelectric power generators that are more pollutant and non-renewable energy sources.
(3) Banco do Brasil has encouraged the use of its 237 videoconference rooms that have been set up throughout Brazil. This measure will enable a gradual reduction in the number of air tickets and GHG emissions arising from this source.