DOCSLIB.ORG

Annual Reports 2016-07-11 00:00:00 Integrated Annual Report 2015 Jul

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Annual Reports 2016-07-11 00:00:00 Integrated Annual Report 2015 Jul INTEGRATED REPORT 2015 2015 INTEGRATED REPORT REPORT INTEGRATED CREDITS Overall coordination Bradesco – Market Relations Department Graphic design TheMediaGroup Content TheMediaGroup/KMZ Conteúdo General consulting Eduardo Dantas GRI Consulting BSD Consulting Audit KPMG Photos Egberto Nogueira Clodoir de Oliveira Alexandre Fatori Maurino Borges Pre-printing and printing Leograf Gráfica e Editora Ltda. PDF version www.bradesco.com.br/ir www.bradescosustentabilidade.com.br Corporate information available at: www.bradesco.com.br/ir SUMMARY 02 08 10 12 About the Presentation Message from The Organization Report the Management 20 32 52 60 Strategy Strategic Corporate Risk differentials governance management 70 76 80 84 Supplier Asset Environmental People management management management management 94 100 106 126 Client relations Community Economic- Presence in relations financial sports performance 130 138 140 141 GRI G4 content Assurance Corporate Credits index declaration information BRADESCO 2015 INTEGRATED REPORT ABOUT THE REPORT Over the years, Bradesco has continually en- The capitals used by the Organization are hanced its reporting process. Since 2013 the indicated throughout the Report by the Organization has produced an integrated following symbols: report, combining institutional, operational, business and financial information with de- tails of its sustainability practices and initia- FINANCIAL tives. In 2014, it also incorporated aspects proposed in the integrated reporting frame- SOCIAL work established by the International Inte- HUMAN grated Reporting Council (IIRC) as a means of advancing towards the effective integration INTELLECTUAL of company information. In the current re- MANUFACTURED port, Bradesco has progressed in the Guiding Principles and Content Elements, fully aware, NATURAL however, that further evolution is necessary. The decision was taken to name the docu- ment the 2015 Bradesco Integrated Report, The stakeholder groups in one way or another demonstrating the company’s firm commit- related to or impacted by the Organization’s ment to ongoing development in this direc- activities are also identified throughout the The challenge of reconciling relevance tion. The report takes into account the major report by the symbols below: G4-24 and concision is met by complementing the transformations impacting our businesses report content with information on our – global megatrends, the economy, sporting websites: http://goo.gl/xxUuXG events, the political situation, among others. CL CLIENTS http://goo.gl/ZyX7w5 (only in Portuguese) PI Regarding alignment with the Global Re- EMPLOYEES porting Initiative (GRI), this publication en- AI SHAREHOLDERS AND INVESTORS compasses the entire Bradesco organiza- tion, following the guidelines of the most F SUPPLIERS recent version (G4) for structuring the corporate report preparation process. The G GOVERNMENT (REGULATORY AUTHORITIES) report adopts the core “in accordance” op- CO COMMUNITY/SOCIETY/THIRD SECTOR tion. Bradesco has based the preparation of the document on GRI guidelines for 10 years running. G4-17, G4-32 2 Bradesco relates to six priority stakeholder The Social and Environmental Responsibility groups, that either exercise influence over or Standard, reviewed and released in the same are impacted by its businesses and activities: period, addresses the question in greater de- For further clients, employees, shareholders and inves- tail and includes a chapter dedicated to stake- information on the Social and tors, suppliers, government (regulatory author- holders, underscoring the importance of this Environmental Standard, access ities) and the community, society and the third process for the Organization. http://goo.gl/U8I1jK sector. G4-25 (only in Portuguese) Engagement initiatives are conducted inde- The Stakeholder Engagement Standard did not pendently by the diverse departments and relat- undergo any alterations in 2015. The Sustain- ed companies. G4-26 ability Policy, reviewed and released in Febru- ary 2015, incorporates Guideline 8, aimed at On an institutional level, Bradesco continues encouraging suppliers and other stakeholders to track the global indicators for internal ini- to adopt sustainability practices. This is exem- tiatives to engage stakeholders. These indica- plified by the Bradesco Suppliers Encounter, tors are consolidated in the first half of each an annual event to present the Organization’s year. The intention is to improve this process strategic sustainability initiatives. The 13th over the coming cycles and review the indica- Encounter was held in December in São Paulo tors. G4-27 and was focused on the water crisis current- ly affecting the state of São Paulo, as well as Priority stakeholder groups are engaged in other regions in Brazil. G4-26 different ways: Consultation: understanding the viewpoint and establishing demands related to the Organization’s performance through con- tacts with stakeholder groups. Dialogue: enabling the exchange of infor- To learn more about the Bradesco Organization’s Corporate Sustainability Policy, access mation, fulfilling and responding to each http://goo.gl/RxJvkm demand received. Collaboration: involving the provision of sup- port or the development of an activity or proj- ect of common interest. Collaborations involve shared responsibilities. Empowerment: encompasses initiatives in which the stakeholder maintains a systematic presence and bears responsibility for part of the decision making process. G4-26 3 RELEVANCE G4-18 The definition of the topics addressed in this directors and managers and by specific ques- Report was based on the Bradesco Relevance tionnaires for three major external stakehold- Matrix, constructed in 2014 based on the mate- er groups: shareholders and investors; suppli- riality concept proposed by the IIRC. ers; government, society and the third sector. Twenty three topics were selected from the The construction process comprised three universe established in the previous stage. stages: Prioritization and grouping of the topics Establishment of the topics through analy- based on criteria such as the impact on the sis of the context and situations in which territory, impact on the process of protecting Bradesco works, mapping of the relations and generating value and the degree of de- between stakeholders and classification mand (legal, imminent legal or other commit- in accordance with the capitals. At the end ments). Upon conclusion of this stage, nine of this stage, a universe of 60 topics was priority topics were selected. established. The objective of this work was to present a Assessment of the topics taking into account matrix that not only considered social and envi- the perception of both internal and external ronmental aspects, but also topics relevant for stakeholders, applying a filter based on adher- the process of generating and protecting value ence to the Organization’s strategic goals and in the short, medium and long terms. The treat- risk management. Stakeholder perceptions ment and approach to each relevant topic are were measured by means of interviews with addressed throughout this Report. THE NINE TOPICS IN THE RELEVANCE MATRIX TOPIC ASSOCIATED TOPICS PAGE CAPITALS Managing Integrated risk management 20, 52, 60 capital, risks and Compliance with laws and e 76 opportunities regulations Combating corruption and money laundering FINANCIAL Respect for human rights and SOCIAL labor laws in the value chain HUMAN (including psychological and NATURAL sexual harassment) Incorporation of social and environmental aspects into business Delinquency: credit quality Climate change 4 ABOUT THE REPORT TOPIC ASSOCIATED TOPICS PAGE CAPITALS Adaptation to Changes in macroeconomic 12 external context conjuncture Economic and monetary FINANCIAL policies: government and SOCIAL regulatory authorities HUMAN Variations in purchasing power Availability of qualified manpower Innovation and Information security: data 12 and 32 technology protection (bank and client) Digital Channels: mobility, SOCIAL internet, social networks and INTELLECTUAL self-service MANUFACTURED CRM: information intelligence Economic and Margins and cost 20, 76 financial results of (operating efficiency) and 106 FINANCIAL the business Share appreciation and SOCIAL dividend distribution HUMAN Brand management INTELLECTUAL (intangible asset) MANUFACTURED NATURAL Internal audience Internal professional 32 career development and 84 Working conditions and benefits (employees and FINANCIAL third-parties) SOCIAL Attracting and retaining talent Client relations Nationwide presence and 20, 32 and satisfaction capillarity (service points) and 94 Employee training and qualification SOCIAL Service quality HUMAN Financial inclusion Financial education 32 Inclusive products and services FINANCIAL SOCIAL Organizational Corporate governance 02 HUMAN culture and transparency and 52 INTELLECTUAL Stakeholder engagement SOCIAL Supplier Social and environmental 70 HUMAN management assessment (RFI) Social and environmental responsibility clauses in all contracts SOCIAL Supplier engagement HUMAN NATURAL BRADESCO 2015 INTEGRATED REPORT 5 Bradesco reviewed its Relevance Matrix in preparation for the 2014 Report – a process which involved the involvement and engagement of stakeholders and was validated by the Sustainability Committee. This matrix is still in force and provided support for the preparation of the 2015 Annual Report. The only modification was related to cross referencing the material topics with the GRI material
Load more

Recommended publications
  • A Financial System That Creates Economic Opportunities Nonbank Financials, Fintech, and Innovation
    U.S. DEPARTMENT OF THE TREASURY A Financial System That Creates Economic Opportunities A Financial System That T OF EN TH M E A Financial System T T R R A E P A E S That Creates Economic Opportunities D U R E Y H T Nonbank Financials, Fintech, 1789 and Innovation Nonbank Financials, Fintech, and Innovation Nonbank Financials, Fintech, TREASURY JULY 2018 2018-04417 (Rev. 1) • Department of the Treasury • Departmental Offices • www.treasury.gov U.S. DEPARTMENT OF THE TREASURY A Financial System That Creates Economic Opportunities Nonbank Financials, Fintech, and Innovation Report to President Donald J. Trump Executive Order 13772 on Core Principles for Regulating the United States Financial System Steven T. Mnuchin Secretary Craig S. Phillips Counselor to the Secretary T OF EN TH M E T T R R A E P A E S D U R E Y H T 1789 Staff Acknowledgments Secretary Mnuchin and Counselor Phillips would like to thank Treasury staff members for their contributions to this report. The staff’s work on the report was led by Jessica Renier and W. Moses Kim, and included contributions from Chloe Cabot, Dan Dorman, Alexan- dra Friedman, Eric Froman, Dan Greenland, Gerry Hughes, Alexander Jackson, Danielle Johnson-Kutch, Ben Lachmann, Natalia Li, Daniel McCarty, John McGrail, Amyn Moolji, Brian Morgenstern, Daren Small-Moyers, Mark Nelson, Peter Nickoloff, Bimal Patel, Brian Peretti, Scott Rembrandt, Ed Roback, Ranya Rotolo, Jared Sawyer, Steven Seitz, Brian Smith, Mark Uyeda, Anne Wallwork, and Christopher Weaver. ii A Financial System That Creates Economic
    [Show full text]
  • Universidad Apec
    UNIVERSIDAD APEC ESCUELA DE GRADUADOS Trabajo Final Para Optar Por El Titulo De: MAESTRÍA EN GERENCIA Y PRODUCTIVIDAD Tema: “Mejoras para la Optimización de la Funcionalidad en la Red de Cajeros Automáticos. Caso: Banco Popular Año 2011” Sustentante: Glenny W. Serrata García 2009-1883 Asesora: Ivelisse Comprés, MA, MsC, MBA. Santo Domingo, D.N. Agosto, 2011 “Mejoras para la Optimización de la Funcionalidad en la Red de Cajeros Automáticos. Caso: Banco Popular Año 2011” INDICE Págs. RESUMEN ..................................................................................................... ii DEDICATORIA ............................................................................................ iv INTRODUCCION ........................................................................................ 02 CAPITULO I: GENERALIDADES DE LA BANCA ELECTRÓNICA 1.1 Historia de los Cajeros Automáticos .......................................................... 06 1.1.2 Definición de Cajeros Automáticos ................................................... 08 1.1.3 Funcionalidad de los ATM ............................................................... 08 1.1.4 Diseño y Tipos de Cajeros Automáticos............................................ 10 1.1.5 Regulaciones de los ATMs ............................................................... 11 1.2 Nueva Tecnología en Cajeros Automáticos ................................................ 12 1.2.1 Cajero Automáticos de Autoservicio ................................................. 12 1.2.2 Primer Cajero Biométrico
    [Show full text]
  • Financial Crisis Report Written and Edited by David M
    PUBLISHED BY MIYOSHI LAW July 2018 INTERNATIONAL & EST ATE LAW PRACTICE Volume 1, Issue 81 Financial Crisis Report Written and Edited by David M. Miyoshi Advancing in a Time of Crisis Words of Wisdom: "You can succeed at anything, as long as you don’t Inside this issue: care who takes the credit” Ronald Reagan 1. Historic Singapore Meeting 2. Go West Young Man Historic Singapore Meeting and suggested that it may ease its sanctions on 3. Wedding IRS Loves North Korea prior to complete denuclearization 4. Cryptocurrency Geo-Political Weap- its Aftermath and that it will halt U.S.-South Korea military on exercises. 5. Is Harvard Racist? Except for the Great Depression, we are experiencing the most By affirming that "mutual confidence building economically unstable period in can promote the denuclearization of the Korean the history of the modern world. Peninsula," the statement indicated that the This period will be marked with United States is willing to accept the phased extreme fluctuations in the stock, approach to denuclearization that North Korea commodity and currency markets accompanied by severe and some- desires. In a phased approach, both sides would times violent social disruptions. offer incentives along the way to denucleariza- As is typical of such times, many tion, rather than the United States waiting until fortunes will be made and lost the process is complete before offering any during this period. After talking tradeoffs. For the time being, Trump empha- with many business owners, sized that sanctions would remain in effect, but executives, professionals and he said they could be removed when North government officials from around n June 12, President Trump and the world, the writer believes that Korea makes a certain degree of progress in its Kim Jong Un leader of North Korea denuclearization.
    [Show full text]
  • Attachment I
    ATTACHMENT I PROPERTY INSURANCE Schedule of Values Exposure Information VALUED AS OF JULY 1, 2017 JEFFERSON COUNTY PUBLIC SCHOOLS LOUISVILLE, KENTUCKY i Thl le%rsoii County Board of Education, Louisville, KY I ?- Sdsx l Shap?rq the Future l 2017-2018 Statement of lnsurable Values Loc # r r g Building Name Address r Constr Class Description ? Building Contents l TotalByCampus 1 STONESTREETELEMENTARY 10007 STONESTREET ROAD %onry N6n-Combustible - j00 % J '? 1 r r r W 'Mu4,lSal 9,070q ffl T r l r r l l 1 J?RDAiE HIGH SCHOOL Q 40118 Fire Resistive - 100 % J Y l o ffi W W 1 i 2'JRDALEVC)CATIONAL Ji00l FAIRDALE RD %:rv xon-combustibie - 100 % Y o J W Q 1 J?RDAiE OFFICE BUILDING (BUS) liOl FAIRDALE RD J40ljfe - 100 % Y o '? 1 2 FAIRLDALEWEIGHTRMBUILDING W ?01 FAilRDALE RD lLlol18 dbUaible-100% Y o 7 20,851i 2 iLOC.SubtOtal l T ffi T 46.370,6021 '6,477,9SSi j l T l T r l l 1 F,ENGELHARD ELEMENTARY 1004 SOUTH FIRST STRa- 4nry Non-combustible - 100 % {J94 i 8,432,30IJ 2.2i5,034i 1 r r r l l Q W W Th l T r r r 1 I?SOuTHliH PARK PARK?? TA?P 1010 NEIGHBORHOOD PLACE J4%nrv Non-Combustible - 100 % J J i,szi,sssJ 1 r r r s:q Q Q r r r r r T r l s FAIRDALE EIEMENTARY 10104 MITCHELL HILL ROAD 40118 llflasonry Non-Combustible - 100 % Y o J W 1 s FAIRDALEELEMENTARYSCHOOL-AD[)ITION 981,842i 10104 MITCHELL HILL ROAD %nry Non-Combustible - 100 % Y N pIs l 2,158,994T 'm,sasi 1 s Loc.Subtotal r r r l s,soo,o'4 1,202,688 i '? r r l r r 1 f'?l?LEY HIGH 'iCHOOL Jm200'DIXIEHIGHWlAY 4*;ea p*re Resistive - too s Y 100 1 6 VAILY'HIGHSCHOOL,1.C.CANTRELLGYM J W J }10200 DIXIE HIGHWAY J40272Jj?nry Non-Combustible - 100 % Y o J 2Q m? 1 6 Loc.
    [Show full text]
  • Assessing Payments Systems in Latin America
    Assessing payments systems in Latin America An Economist Intelligence Unit white paper sponsored by Visa International Assessing payments systems in Latin America Preface Assessing payments systems in Latin America is an Economist Intelligence Unit white paper, sponsored by Visa International. ● The Economist Intelligence Unit bears sole responsibility for the content of this report. The Economist Intelligence Unit’s editorial team gathered the data, conducted the interviews and wrote the report. The author of the report is Ken Waldie. The findings and views expressed in this report do not necessarily reflect the views of the sponsor. ● Our research drew on a wide range of published sources, both government and private sector. In addition, we conducted in-depth interviews with government officials and senior executives at a number of financial services companies in Latin America. Our thanks are due to all the interviewees for their time and insights. May 2005 © The Economist Intelligence Unit 2005 1 Assessing payments systems in Latin America Contents Executive summary 4 Brazil 17 The financial sector 17 Electronic payments systems 7 Governing institutions 17 Electronic payment products 7 Banks 17 Conventional payment cards 8 Clearinghouse systems 18 Smart cards 8 Electronic payment products 18 Stored value cards 9 Credit cards 18 Internet-based Payments 9 Debit cards 18 Payment systems infrastructure 9 Smart cards and pre-paid cards 19 Clearinghouse systems 9 Direct credits and debits 19 Card networks 10 Strengths and opportunities 19
    [Show full text]
  • Average Debit Card Interchange Fee by Payment Card Network1
    Average Debit Card Interchange Fee by Payment Card Network1 2015 All transactions (exempt and covered Exempt transactions 3 Covered transactions 4 transactions) 5 2 Interchange Interchange Interchange Network Average Average Average % of total % of total Average fee as % of % of total % of total Average fee as % of Average fee as % of interchange interchange interchange number of value of transaction average number of value of transaction average transaction average fee per fee per fee per transactions6 transactions6 value7 transaction transactions10 transactions10 value7 transaction value7 transaction transaction8 transaction8 transaction8 value9 value9 value9 11 Dual-message 38.2% 37.0% $36.49 $0.51 1.39% 61.8% 63.0% $38.38 $0.23 0.60% $37.66 $0.34 0.89% Discover 99.6% 99.5% $41.67 $0.65 1.56% 0.4% 0.5% $43.38 $0.24 0 55% $41.67 $0.65 1.55% MasterCard 50.8% 50.3% $37.98 $0.57 1.50% 49.2% 49.7% $38.77 $0.24 0.61% $38.37 $0.41 1.06% Visa 34.2% 32.7% $35.77 $0.48 1.34% 65.8% 67.3% $38.29 $0.23 0 59% $37.43 $0.31 0.84% Single-message12 35.2% 35.1% $39.04 $0.26 0.65% 64.8% 64.9% $39.36 $0.24 0.60% $39.25 $0.24 0.62% Accel 93.2% 92.8% $43.26 $0.21 0.48% 6.8% 7.2% $45.66 $0.24 0 53% $43.43 $0.21 0.49% AFFN 88.3% 86.9% $34.55 $0.25 0.72% 11.7% 13.1% $39.48 $0.21 0 54% $35.12 $0.25 0.70% Alaska Option13 ATH 14.2% 20.0% $50.58 $0.25 0.50% 85.8% 80.0% $33.44 $0.19 0 57% $35.87 $0.20 0.56% Credit Union 99.5% 99.5% $48.17 $0.23 0.47% 0.5% 0.5% $42.93 $0.20 0.47% $48.14 $0.23 0.47% Interlink 10.2% 9.4% $35.43 $0.35 0.99% 89.8% 90.6% $38.95 $0.24
    [Show full text]
  • Dispute Best Practices
    Technical Document Dispute Best Practices A Merchant’s User Guide to Help Manage Disputes* June 2021 *For Global Disputes, excluding PaySecure Back-End Merchants. Fiserv Confidential Dispute Best Practices Table of Contents Dispute Best Practices Dispute Best Practices Guide Overview ���������������������������������������������������������������������� 3 Authorization Overview ������������������������������������������������������������������������������������ 4 Transaction Overview �������������������������������������������������������������������������������������� 5 Retrieval Overview ����������������������������������������������������������������������������������������� 6 Chargeback Overview �������������������������������������������������������������������������������������� 9 Fraud – Card-Not-Present (CNP) ���������������������������������������������������������������������������� 11 Compelling Evidence Overview ���������������������������������������������������������������������������� 13 Fraud – Card-Present (CP) ���������������������������������������������������������������������������������� 14 No Valid Authorization ������������������������������������������������������������������������������������� 16 Credit Not Processed ������������������������������������������������������������������������������������� 18 Services/Merchandise Defective or Not as Described ��������������������������������������������������������� 20 Services Not Provided; Merchandise Not Received �����������������������������������������������������������
    [Show full text]
  • TERMS and CONDITIONS Subject to the Requirements of Applicable Card
    TERMS AND CONDITIONS Subject to the requirements of applicable Card Association rules, EVERTEC Group, LLC Merchant Acquiring Solutions (“MAS”), Banco Popular de Puerto Rico (“BPPR”) and the entity identified in the Addendum attached hereto (“Merchant”) in consideration of the mutual promises and covenants contained in this Merchant Agreement (the “Agreement”) agree as follows: A. DEFINITIONS 24. “Sales Draft” means the paper form, whether electronically or manually imprinted, 1. “ACH” means the Automated Clearing House paperless entry system controlled evidencing a sale Transaction. by the Federal Reserve Board. 25. “Transaction” means any sale of products or services (or credit, error, return and 2. “Addendum” means the Merchant Addendum attached hereto setting forth the adjustment for such) from a Merchant for which the Cardholder makes payment through Cards, Services, Merchant Discount Rate, Authorization Fees and Transaction Fees, the use of any Card and which is presented to MAS for collection. among other details specific to the Merchant. 26. “Voice Authorization” means a direct phone call to a designated number to obtain 3. “Agreement” means these terms and conditions, any supplementary documents credit approval on a Transaction from the Card Issuer, whether by voice or voice- referenced herein, and valid schedules and amendments to the foregoing. activated systems. 4. “American Express” means American Express Travel Related Services Company, Inc., a New York corporation. B. CARD ACCEPTANCE AND TRANSACTIONS 5. “ATH Network” means an interbank network connecting various participating 1. Honoring Cards. Merchant will honor, only in its establishments in Puerto Rico, financial institutions in Puerto Rico and the Caribbean such network also serves as a United States Virgin Islands (USVI) and the British Virgin Islands (BVI) or others agreed debit card network for Cards issued under ATH brand.
    [Show full text]
  • Operating Guide
    Operating Guide June 2021 Operating Guide OG2021/06 Table of Contents CHAPTER 1. ABOUT YOUR CARD PROGRAM ........................................................................................1 About Transaction Processing ...................................................................................................................................... 1 General Operating Guidelines ...................................................................................................................................... 2 CHAPTER 2. PROCESSING TRANSACTIONS...........................................................................................4 Company Compliance ................................................................................................................................................... 4 Transaction Processing Procedures ............................................................................................................................. 6 Authorization................................................................................................................................................................. 7 Settling Daily Transactions ........................................................................................................................................... 9 Settlement (Paying Company for Transactions) ....................................................................................................... 10 Transaction Processing Restrictions .........................................................................................................................
    [Show full text]
  • Dispute Best Practices Guide Overview 3
    Dispute Best Practices A merchant’s user guide to help manage disputes June 2019 For Global Disputes excluding PaySecure Front End Merchants Table of Contents Dispute Best Practices Dispute Best Practices Guide overview 3 Authorization overview 4 Transaction overview 5 Retrieval overview 6 Chargeback overview 9 Fraud – Card-not-present (CNP) 12 Compelling evidence overview 13 Fraud – Card-present (CP) 15 No valid authorization 17 Credit not processed 19 Services/Merchandise defective or not as described 21 Services not provided; merchandise not received 23 No-shows 25 Canceled recurring transaction 26 Duplicate processing 28 Data entry error 30 Late presentment 32 Paid by other means 33 2 Dispute Best Practices Dispute Best Practices Guide overview The Dispute Best Practices Guide explains the numerous aspects of transaction and dispute processing. This guide will provide you and your staff with educational guidance as it relates to dispute processing and suggest ways for you to help prevent financial chargebacks and liability. This guide includes: > An overview of authorization and transaction processing > An overview of retrievals and chargebacks > Reason code guidelines for all credit and debit networks The following card networks are covered in the reason code guidelines: Credit Networks Debit Networks American Express Accel Interlink Discover ACS/eFunds* Maestro Mastercard AFFN* NYCE Visa ATH * PULSE CU24* SHAZAM EBT* STAR Jeanie* STAR Access *These networks do not have specific reason codes assigned to dispute; however, any retrieval that is received without a reason code will be assigned a default code of 1. Any chargeback that is received without a reason code will be assigned a default code of 53.
    [Show full text]
  • Latam Bod Meeting
    Breaking Boundaries: A closer look into Puerto Rican economics Miguel Vizcarrondo Executive Vice-President Payments Agenda >Who we are? >History >What we do? >Latam growth- breaking boundaries outside Puerto Rico >Innovation Leading full-service transaction processing business in Latin America, focused on simplifying commerce for merchants, financial institutions, government agencies, and consumers. About us • Over 25 years of experience • > 1,900 employees (> 1,300 based in Puerto Rico) • First and only Puerto Rican technology company to list on the NYSE • Strategic presence in 18 countries in Latin America • Contracted and audited directly by the FED • A key partner of the Puerto Rican government Key facts • #10 largest merchant acquirer in Latin America* • Own and operate the biggest Debit Network in the Caribbean • Over 180 Financial Institutions as clients • Over 2.1 billion transactions per year • Full services and end to end solutions across the entire transaction value chain Establecidos desde *Nilson report 2015. Our History* 2004 2005-06 2007-08 2010-11 2012-14 2015-16 • Evertec created • Began operations • Evertec begins to • Apollo acquired a • Launched several • Increased Latam as subsidiary of in El Salvador service 100% of the 51% interest in new products focus Banco Popular EBT subsidy including • Acquired ScanData Evertec from Banco • Entered into a payments for the Popular EVERPay, cloud- • Consolidates & TII Smart Federal Government based core merchant acquiring processing and Solutions • Evertec began banking, ATH alliance with technology • Established local transition to a Móvil (P2P) FirstBank functions of • ATH® Network Panama office signed agreement separate, • Acquired 65% of Banco Popular standalone entity • IPO – listed on de Puerto Rico with NYCE for ATH • Acquired SENSE in NYSE under the Processa, a payment and GM Group acceptance across Puerto Rico ticker symbol processor in the U.S.
    [Show full text]
  • STOXX Global 3000 Last Updated: 03.07.2017
    STOXX Global 3000 Last Updated: 03.07.2017 Rank Rank (PREVIOUS ISIN Sedol RIC Int.Key Company Name Country Currency Component FF Mcap (BEUR) (FINAL) ) US0378331005 2046251 AAPL.OQ AAPL Apple Inc. US USD Large 662.5 1 1 US5949181045 2588173 MSFT.OQ MSFT Microsoft Corp. US USD Large 467.0 2 2 US0231351067 2000019 AMZN.OQ AMZN Amazon.com Inc. US USD Large 337.0 3 3 US4781601046 2475833 JNJ.N JNJ Johnson & Johnson US USD Large 314.4 4 5 US30303M1027 B7TL820 FB.OQ US20PD FACEBOOK CLASS A US USD Large 312.9 5 4 US30231G1022 2326618 XOM.N XON Exxon Mobil Corp. US USD Large 299.9 6 6 US46625H1005 2190385 JPM.N CHL JPMorgan Chase & Co. US USD Large 286.2 7 8 KR7005930003 6771720 005930.KS KR002D Samsung Electronics Co Ltd KR KRW Large 256.2 8 9 US02079K1079 BYY88Y7 GOOG.OQ US40C2 ALPHABET CLASS C US USD Large 245.0 9 7 CH0038863350 7123870 NESN.S 461669 NESTLE CH CHF Large 237.8 10 10 US9497461015 2649100 WFC.N NOB Wells Fargo & Co. US USD Large 218.5 11 13 US0605051046 2295677 BAC.N NB Bank of America Corp. US USD Large 213.2 12 14 US3696041033 2380498 GE.N GE General Electric Co. US USD Large 206.6 13 11 US00206R1023 2831811 T.N SBC AT&T Inc. US USD Large 203.3 14 12 US7427181091 2704407 PG.N PG Procter & Gamble Co. US USD Large 195.3 15 15 US0846707026 2073390 BRKb.N BRKB Berkshire Hathaway Inc. Cl B US USD Large 183.6 16 17 CH0012005267 7103065 NOVN.S 477408 NOVARTIS CH CHF Large 181.6 17 16 US7170811035 2684703 PFE.N PFE Pfizer Inc.
    [Show full text]