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Annual Report Annual Report 2017 Annual Report 2017 1 Summary 13 Business Model 25 Transforming Role 34 Corporate Governance 46 Risk Management 61 Financial Value Creation 69 Social Value Creation 87 Environmental Value Creation 93 GRI Appendix 139 GRI Content Index Annual Report 2017 2 Assets Comman Equity Market share in agribusiness Tier1 Capital (Basel) About Us R$1.37 trillion 10.48% 60.0% We are Banco do Brasil S.A., the first bank We are present in 99.8% of the Bra- Shareholders’ Market Share in Credit Total number of employees to operate in the Country and also the first zilian municipalities, and our 4,770 Equity company to conduct a public offering of branches represent 21.8% of the share of 19.3% 99,161 shares in the Brazilian capital market. With the national financial system. Our external net- R$98.7billion over 200 years of existence, we have work is composed of 29 branches located Products in actively contributed to the development of in 20 countries. We maintain agreements 857 our portfolio Brazil. Our brand reflects attributes such with financial institutions abroad and, in 2017, as strength, confidence, and there were 884 banks operating as our cor- credibility. Private limited, public lim- respondent banks in 106 countries. 102-4 ited, mixed-capital company and controlled The continuous innovation of business and by the Federal Government, we are part of relationship models allow us to maintain com- Novo Mercado of B3, included in the Corpo- petitiveness and the preference of customers, rate Sustainability Index (ISE) and the Dow building solid and long-lasting relationships. The Jones Sustainability Index (DJSI), of the expansion of the digital model is one of New York Stock Exchange, in the Dow Jones the main actions that promote the improvement Sustainability Emerging Markets portfolio, in the customer experience, who seeks more and a result of our Management’s commitment more easiness in the relationship with banks. to transparency, accountability, equity and Based on the principles of sustainability, socioenvironmental responsibility, support- we will continue giving priority to profitability, rev- ed by the use of monitoring tools that align enues from the provision of services, reduction the executives’ behavior to the interests of of losses, gains in efficiency and improvement in the shareholders and the society in general. productivity from the simplification of processes 102-1, 102-5 and digital transformation. International presence since 1941 Annual Report 2017 3 We connect eoe to their achieveents Annual Report 2017 4 Key Indicators 102-7 Transforming Role Corporate Governance Risk Management balance of with maximum score, in We initiated the R$ . green Level 1 Seal R$1.4 envi- 193 0 the Governance Indicator of the Department billion resources ronmental due dil- billion businesses of Coordination and Governance of State- are allocated in funds igence process, when Owned Companies (IG-SEST). with socioenvironmen- we joined the Carbon Dis- of share in funding inten ded tal characteristics. closure Program (CDP). for agribusiness, serving 60% 1.2 million family rural pro- Juvenile Insertion into the Digi- ducers. The busi nesses reached 97.2% of tal Eco nomy, which will develop Brazilian municipalities. We supported initiatives directed to mitigation children and adolescents from of climate change, such as the Low-Carbon the AABB Comu nidade Agriculture Program (ABC Program), Program, of Banco do Brasil in which we identified positive financial Foundation (Fundação Banco do 230 implications with the contracts of operations Brasil – FBB), for the job market. works completed and financed by us, totaling 2017 in 2017 in the amount of R$1 billion, at a 37,573 new real estate units, i.e. 114 devel- contracting cost of R$3.8 million opments in the line of Minha Casa Minha Vida (Real Estate Lending) Program, with the delivery of 18,824 housing units. We expanded by 160% the number of us- Our CCBB were the zone ers of BB Code on the internet and exceeded of 230 cultural initiatives, with R$54.5 the mark of 29 million customers with million contributed in FBB, 4.1 million visitors and biometrics registered. R$967.8 million return in which represents an increase spon taneous media. of 12.8% compared to 2016. Annual Report 2017 5 Key Indicators 102-7 Creation of Financial Value Creation of Social Value Creating Value for the Environment Adjusted Net Income App Cliente Reduction of the total consumption of 360° Mobile, 66,017 water by 10.3% in the year 2017. which can be downloaded on the thousand customers. R$11.1 billion cell phone and is another way for The reduction of electric power R$9.5 to 12.5 billion estimate managers to interact with their portfolio. 36,417thousand consumption avoided an expense checking accounts: of R$36 million. NII (Net of Recovery Fale Com seu 34,098 thousand individuals and 2,319 thousand companies. of Write-offs) Organic Gerente, which Reconditioning of 105 thousand Domestic revolutionized the digital service. cartridges (which corresponds to 97.58% -3.8% Portfolio of the total used in 2017) which provided savings -4 to 0% estimate Loan By accessing via the Internet or -3.2% BB App, customers can contact of R$91.8 million. All Expenses Net of - 4 to -1% estimate their Relationship Manager, from Recovery of Write-offs 8 a.m. to 10 p.m. 101,247 1,704 branches with the Selective Individuals 2.7% employees: 2 to - 5% estimate Waste Collection Program implemented. 99,161 employees and -R$20.1 Companies -10.6% New solutions for means of billion -11 to - 8% estimate 2,086 interns. Digital transformation strategy, that allowed greater -R$23.5 to -20.5 billion estimate payment which contributed to reducing paper Rural 6.1% economic dynamism in partnership 6 to 9% estimate consumption by 628 tons. Fee with municipalities. In the first half of 2017, 42% (2,021 Income Administrative units) of the branches evaluated reached Expenses More than of 73.4% the target set for IPE. Already in the second 9.0% 1 million of total transactions were 6 to 9% estimate , customers, semester, 51% (2,902 units) reached % Estilo Digital conducted through cell -3.1 the indicator – a increase of 9% in compared -2.5 to 0.5% estimate consolidating our leadership in the phones and the internet. high-income market in Brazil. to the first half. Annual Report 2017 6 2018 Estimates The estimates for 2018 are below. The indicators and the way they are calculated have not changed compared to the previous year. Assumptions that Are Influenced Assumptions that Are beyond The results depend on market conditions, the economic performance of the country by the Manegement the Control of the Management and the foreign markets, which can impact the effective performance of those pro- vided for in our estimates. Maintenance of the current business model, with- National and international regulatory changes in out considering the sale of companies or busi- the financial market; nesses of the Conglomerate; Consistent growth of the world economy; Indicators 2018 Estimates Prioritize business with better income, adjusting Preservation of the current macroeconomic poli- profitability to sustainable thresholds, adding val- cy architecture: floating exchange rate, goals for Adjusted Net Income (R$ billion) 11.5 to 14 ue to shareholders; inflation and fiscal discipline; Growth of the loan portfolio in strategic macro-sec- NII (Net of Recovery of Write-offs) (%) -5 to 0 tors, in compliance with the economic conditions; Gradual reduction of the level of unemployment in the job market; and Focus on the relationship, seeking to be the pri- Organic Domestic Loan Portfolio – Expanded View (%) 1 to 4 mary provider of solutions in order to enhance the Prospect of gradual resumption customer experience and the income of the Bank; of the economy (GDP). Individuals (%) 4 to 7 Intensification of the digital service model, with investments in the rationalization of the opera- Companies (%) -3 to 0 tional structure; Rural Loans (%) 4 to 7 Does not to consider new acquisitions and/or strategic partnerships that can be signed for the ALLL Expenses net of Recovery of Write-offs -19 to -16 exploitation of specific segments; and (R$ billion) Adjustments in contracts with suppliers and the collective bargaining agreement, aligned to the Fee Income (%) 4 to 7 market practice. Administrative Expenses (%) 1 to 4 Annual Report 2017 7 Awards Best Corporate University Worldwide Gold Seal of the Brazilian In 2017, we were recognized with awards, Innovation – Gold Award Socially Devoted: GHG Protocaol Program: we occupied the first place among the Brazilian banks that for the quality and reliability of our inventory of recognition, and certifications that attest our UniBB: our Corporate University received have the best relationships in social networks (Facebook Greenhouse Gases (GHG), we received the Gold Seal commitment to sustainable development and the the international award from the Global Council of and Twitter), based on an analysis of Social Bakers, one of of the Brazilian GHG Protocol Program. Corporate Universities for the second time. The award qualified relationship with our stakeholders. The the main suppliers of analytical data on the effectiveness is granted every two years and disseminates the best main ones were: of communication of brands in these media. corporate education programs in the world. Brand Finance Global 500 efinance Award: we were awarded Brand Finance presents the largest brands in 21 categories in view of several innovations, 2017: in the world each year and assesses which are the most including the possibility of purchasing with points in Cubic Awards Corporate powerful and valuable. In 2017, we occupied the 319th physical stores through the Ourocard application, Corporate position (440th in 2016).
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