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Annual Report 2014

  1. A+
  2. A-
GRI G4-9
(1) Does not include assets managed by Banco Votorantim.
(2) Includes Total Deposits, Agribusiness Letters of Credit (LCA), Real Estate Letters of Credit (LCI) and private securities repo transactions.
(3) Ratio of Administrative Expenses to Operating Revenues, based on the information from the Income Statement with Re-allocations.
(4) Ratio of Fee Income to personnel expenses, based on the information from the Income Statement with Re-allocations.
(5) Includes Private Securities and sureties provided.
(6) Acquisition PF + Production PJ.
(7) White and recycled A4-size, legal paper-size and letterhead.
(8) ATM Envelopes, ATM rolls, boxes, envelopes, sundry files and cardboard boxes.
(9) The other sources of GHG emissions within Scope 3 of the Bank’s inventory are being ascertained in accordance with the Brazilian GHG Protocol program, and will be made available to the general public on the program site (www.registropublicodeemissoes.com.br). The 2012 data were re-presented on account of the emissions inventory audit carried out after publication of the 2013 Annual Report of Banco do Brasil. The information shown in this table reflects the data published by the Bank in the Brazilian GHG Protocol Program.
Market Share (%) 2012 2013 2014 13/14 Variance (p.p)
Assets 21.2 21.7 20.8 (0.9)
Deposits 27.9 27.1 24.9 (2.2)
Loans 20.3 21.1 21.0 (0.1)
Loans to Agribusiness 63.9 66.1 63.5 (2.6)
Asset Management(1) 20.0 20.9 21.7 0.8
Balance Sheet Items (R$ millions) 2012 2013 2014 13/14 Variance (%)
Assets 1,149,308 1,303,915 1,437,486 10.2
Intangible Assets
 13,351 12,128 11,249 (7.2)
Commercial Funding(2) 515,714 607,215 634,627 4.5
Shareholders' Equity 61,499 72,225 80,613 11.6
Result for the Year (R$ millions) 2012 2013 2014 13/14 Variance (%)
Net Income 12,205 15,758 11,246 (28.6)
Return on Shareholders’ Equity (% ROE) 19.8 22.9 15.0 (7.9 p,p)
Personnel Expenses 15,777 17,051 18,445 8.2
Other Administrative Expenses 12,417 13,098 13,845 5.7
Efficiency and Productivity (%) 2012 2013 2014 13/14 Variance (p.p)
Cost-to-Income Ratio (3) 43.2 44.3 43.1 (1.2)
Coverage ratio(4) 133.6 136.7 135.9 (0.8)
Structural Information 2012 2013 2014 13/14 Variance (%)
Service Network 64,192 67,629 69,135 2.2
Customers (thousands) 58,551 61,375 61,645 0.4
Employees 114,182 112,216 111,628 (0.5)
Breakdown of Loan Portfolio – Broad Definition (R$ millions)(5) 2012 2013 2014 13/14 Variance (%)
Total 580,799 693,104 760,872 9.8
Individuals
 152,011 168,207 179,722 6.8
Companies
 270,574 322,265 354,104 9.9
Agribusiness
 107,971 144,809 164,902 13.9
Overseas
 50,243 57,823 62,144 7.5
Delinquency (NPL + 90 days – %) 2012 2013 2014 13/14 Variance (p.p)
BB 2.05 1.98 2.03 0.05
Brazilian Banking Industry (SFN) 3.70 3.00 2.90 (0.1)
Non-Financial Business (R$ millions) 2012 2013 2014 13/14 Variance (%)
Cards – Total Turnover 168,216 205,935 238,308 15.7
Loans
 99,359 121,742 140,017 15.0
Debit
 68,857 84,193 98,291 16.7
Asset Management 444,023 493,746 554,724 12.4
Social Business – Portfolio Business (R$ millions) 2012 2013 2014 13/14 Variance (%)
Total 32,356 47,713 63,615 33.3
Student Higher Education Financing Fund (Fies)
 6,328 10,311 13,594 31.8
BB Accessibility Credit
 15 73 119 62.2
Minha Casa Minha Vida Program (PMCMV)(6)
 1 3,941 10,662 170.5
Production-Oriented Micro Credit Program (MPO)(6)
 729 1,593 1,371 (14.0)
National Program for Strengthening Family Farming (Pronaf)
 25,284 28,941 35,983 24.3
Natural Resources 2012 2013 2014 13/14 Variance (%)
Paper consumption (t) 8,737 8,644 8,516 (1.5)
Paper Consumption in the Offices(7) 3,342 3,391 3,361 (0.9)
Paper Material Stocked in the Storeroom and at the Printing Company of BB(8) 5,395 5,253 5,155 (1.9)
Energy consumption (TJ) 2,830 2,545 2,651 4.2
Water consumption (m3) 2,853,212 2,371,408 1,913,768 (19.3)
CO2 Emissions Inventory (tCO2e)(9) 2012 2013 2014 13/14 Variance (%)
Scope 1 7,443 7,304 6,660 (9.7)
Scope 2 54,235 68,774 98,982 43.9
Scope 3 7,954 4,862 5,815 20.0
Distribution of Value Added (R$ millions) 2012 2013 2014 13/14 Variance (%)
Total Distributed 40,225 49,051 43,798 (10.7)
Personnel
 16,134 18,180 18,496 1.7
Fronts, fees and contributions
 10,861 13,129 11,281 (14.1)
Remuneration of Third-party Capital
 869 1,144 1,301 13.7
Remuneration of Own Capital
 12,361 16,598 12,721 (23.4)
Other Relevant Indicators 2012 2013 2014 13/14 Variance
Basel Ratio 15.1% 14.5% 16.1% 1.6 p,p,
Ranking of Complaints to the Central Bank (Bacen) 3rd 3rd 8th -
Transfers to Fundação Banco do Brasil (R$ million) 70.8 145.3 83.1 (42.9%)

Find out more about these indicators in the subsequent chapters of this publication:

Profile | Structural Information

Strategy | Intangible Assets

Business Performance | Market Share in Assets and Deposits | Balance Sheet Items | Result for the Period | Statement of Income and Reallocations | Breakdown of the Loan Portfolio – Broad Concept | Inadimplência | Non-Financial Business | Social Business – Portfolio Balance | Distribution of Value Added | BIS Ratio

Relationships with Stakeholders | Ranking of Complaints to the Central Bank | Transfers to Fundação Banco do Brasil

Relations with the Environment | Natural Resources | nventory of CO2 Emissions