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Sustainability Report 2012 Sustainability Report 2012 Economic and Challenges and Corporate Technology and Relationships with Human Social and Environmental Profile ʡ ʡ ʡ ʡ ʡ ʡ ʡ Financial Scenario Opportunities Governance Innovation Stakeholders Development Development Contents ˭ Banrisul Sustainability Report 2012 2 of 88 Economic and Challenges and Corporate Technology and Relationships with Human Social and Environmental Profile ʡ ʡ ʡ ʡ ʡ ʡ ʡ Financial Scenario Opportunities Governance Innovation Stakeholders Development Development Introduction By releasing this sustainability report, which will be is- they were able to effectively contribute to the process. Reading the Manual sued on an annual basis, Banrisul continues an initiative first A total of 14 interviews were held – seven with external launched in July of 2012 when it released its first document stakeholders, and seven with internal stakeholders. As part referenced to the Global Reporting Initiative (GRI) G3 guide- of that consultative procedure, in addition to open-ended lines. In this second report, which covers the period running questions, the interviewees were encouraged to provide t Graphically, this report has been desig- from January 1, 2013 to December 31, 2012, the Bank rei- their perspectives on key issues pertaining to Banrisul’s ned so as to be functional and accessible terates its commitment to integrate sustainability into the sustainability management (the Materiality Test). for all stakeholders, including those with management of its businesses. GRI 3.1, 3.2, 3.3 Those issues were identified in a previous media resear- visual deficiencies; In an effort to identify which stakeholders to consult for ch study (which covered public information relating to Ban- guidance regarding the material topics which should be risul’s operations in Brazil and news about the Bank and t The upper navigation menus (separa- addressed in this document, a consulting firm conducted the financial sector appearing in communications outlets ting chapters) and the lower menus (sepa- the initial phase – which involved studies relating to the in 2012), analysis of Banrisul’s 2011 Sustainability Report, rating pages) make the process of reading institution and to the sector, as well as talks with the or- and analysis of reports on the sector and of the GRI and the report more dynamic, allowing users ganization’s Social and Environmental area. That process ISO26000 international guidelines. more direct access to specific content; resulted in the creation of a list of groups with whom the In conjunction with the directed questions, this open Bank interacts. -ended interview process led to the elaboration of the Ma- t The layout and its high resolution presen- The following six criteria were used to select which of teriality Matrix – which, by intersecting the points of view tation make it possible to zoom in without those groups would receive the highest priority: responsibi- of external and internal stakeholders, facilitated diagnosis losing legibility or image quality, allowing lity, influence, proximity, dependence, representation and of the perception and relevance of topics to be addressed for projection of the report; strategic interests. Those aspects were chosen in accor- in the sustainability report. dance with international rule AA1000 SES (AA1000 Stake- Topics classified as highly relevant were: involvement t The fonts that have been selected (size, holder Engagement Standard). with government, technology and innovation, customer sa- color and type) make the reading experien- As a result of the initiative, the institution identified se- tisfaction, and social and environmental lines of credit. Due ce lighter and more enjoyable. ven stakeholder priority categories: communities, custo- to their closeness of that classification and their perceived mers, minority shareholders, government shareholders, importance to the Bank and to the sector, the following suppliers, the government and the internal public. topics were also designated as highly relevant: banking A point person associated with each of these stakehol- and low-income inclusion, biodiversity impact, encourage- ders was identified for the purpose of consultations. Since ment of conscious consumption, and career planning, trai- this is the first time the Bank has engaged in this kind of ning and development. activity, it contacted a limited number of individuals, but Following the materiality definition, the indicators com- since they have long-term relationships with the institution posing this report were identified. Although the Bank falls ˭ Banrisul Sustainability Report 2012 3 of 88 Economic and Challenges and Corporate Technology and Relationships with Human Social and Environmental Profile ʡ ʡ ʡ ʡ ʡ ʡ ʡ Financial Scenario Opportunities Governance Innovation Stakeholders Development Development under GRI application level C, it opted to delve deeper into various indicators, primarily those identified as relevant un- Materiality Matrix der the materiality study. GRI 3.5, 4.14, 4.15 All of the superintendents of Banrisul’s 39 units were involved in producing the report. In order to improve the process, on January 23, 2013, a workshop for technical clarification of the indicator content was held for the offi- Banking inclusion - low income Involvement cials appointed by the institution’s various divisions. It was with governments attended by 65 employees. Career planning, This document addresses the results of the organiza- training and development Technology tion’s operations in Brazil, focusing on its branches and and innovation offices. The consolidated financial data include both Banri- Atmospheric Impact on biodiversity (social sul and its subsidiaries (Broker, Consortium, Services and emissions and environmental criteria for im- Customer General Warehouses), as well as information on overseas proving, selecting and retaining satisfaction operations. However, as the affiliates’ sustainability mana- Financial suppliers, goods and services) gement practices and performance indicators are still in education Social and environmental their initial stages, the information reported pertains to the Forced labor credit lines economic, social and environmental impacts of Banrisul Relationships among customers alone. In other words, the GRI indicators referenced refer with unions (pre-lending analysis) only to Banco do Estado do Rio Grande do Sul S.A. and Health and safety do not include information drawn from any of the group’s Compensation Energy use and conservation other companies. As of December 31, 2012, the Bank’s and benefits measures Encouraging conscious operations represented 98.9% of the consolidated reve- / responsible consumption nue reported in the Added Value Statement (AVS). GRI 3.6, Investments in Diversity, non-discrimination and 3.7, 3.8 social projects accessibility Use and recycling of Significant changes compared to the previous edition, materials and operations including reformulations in the calculations methodology Security Organizational climate waste management will be explained in the next few pages. The expectation at branches of the Bank is that the report be used as a reference sour- ce by all of its stakeholders and anyone interested in the subject, especially its employees, customers, suppliers, Impact on biodiversity (social and environ- Forced and child labor in the chain the government, minority shareholders, government sha- mental criteria for improving, selecting and reholders, and the community. retaining suppliers, goods and services) Use and reuse of water and wastewater disposal Enjoy the report! DEGREE OF IMPORTANCE TO EXTERNAL STAKEHOLDERS TO DEGREE OF IMPORTANCE DEGREE OF IMPORTANCE TO THE MANAGEMENT OF THE COMPANY Banrisul ˭Sustainability Report 2012 4 of 88 Economic and Challenges and Corporate Technology and Relationships with Human Social and Environmental Profile ʡ ʡ ʡ ʡ ʡ ʡ ʡ Financial Scenario Opportunities Governance Innovation Stakeholders Development Development President’s Message 2012 was characterized by challenges, uncertainties pras, which is now one of the four largest acquiring and instabilities in the economic scenario. Externally, networks in the country. On the other hand, we made Europe, the United States and China have caused con- efforts to strengthen relationships with customers and cern around the world due to low growth rates or to di- enhance customer service. In this respect, the creation fficulty in recovering from the financial crisis. Domesti- of the Affinity Space concept was an important step, cally, the reduction of the Selic rate to a historically low as was the improvement of the functionality and secu- level – 7.25% per year – combined with the portability rity of our services. of loans and payroll operations, made the market even By pursing that expansion strategy, the Bank built up more competitive. The trajectory of credit expansion its stability, competitiveness and operating conditions, slowed, interest rates and banking spreads decreased in addition to fully meeting its 2012 performance goals. and delinquencies increased, generating impacts on The expansion of its lending portfolio, estimated at be- the performance of the entire banking sector, including tween 15% and 20%, ended the year at 19.4%. Total Banrisul – such as the 9.5% drop in its net income. funds raised and time deposits also increased, such as Faced with such adverse conditions, the Bank reac- real estate lending, which grew 29%, more than the ted with two main efforts: readjustment
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