Banco Bradesco SA · BMFBOVESPA:BBDC3
Banco Bradesco SA — ESG Presentation (2020)
56 slides from Banco Bradesco SA's sustainability presentation, 2020
Slide 1: ESG Presentation
ESG Presentation
Slide 2: Forward-looking statements disclaimer
Investors Market Relations Department This presentation may contain forward-looking statements. Such statements are not statements of historical facts and reflect the beliefs and expectations of the Company's management. The words "anticipates”, "believes”, "estimates”, "expects”, "forecasts”, "plan
Slide 3: Index
Investors Market Relations Index Department 1. About us 04 - 5 2. Corporate Governance 06 - 11 3. Sustainability Strategy 12 - 42 4. Supply Chain 43 - 44 5. Data Privacy and Information Security 45 - 51 6. Performance and ESG Report 52 - 55 3
Slide 4: About us: Corporate Identity and journey
Market Relations About us Department Corporate Identity Highlights of our journey Our guiding principles 1940 1950 1980 Contribute to people’s fulfillment and sustainable development by offering highly diversified and accessible Creation of an Creation of Leader in innovative bank Fundação Bradesco
Slide 5: Digital Bradesco competitive strength
Market Relations About us Department Digital Bradesco competitive strength Customer 70 million 32.3 million 1.7 billion 32.3 base customers account holders transactions per month million account holders 29% growth of digital loans Branches Service Stations ATMs Bradesco expresso Business Managers 3,
Slide 6: Corporate Governance - Shareholders' structure
Market Relations Corporate Governance- Shareholders’ structure Department 46.30% COMMON 100.00% PREFERRED BBD PART. S.A. 73.93% TOTAL (MANAGEMENT, NOVA CIDADE FUNDAÇÃO EMPLOYEES) DE DEUS BRADESCO 53.70% COMMON 26.07% TOTAL 47.93% COMMON 47.93% TOTAL AGUIAR CIDADE FAMILY DE DEUS 16.63% COMMON 45.64%
Slide 7: Governance Structure
Market Relations Governance Structure Department SHAREHOLDERS’ GENERAL MEETING FISCAL COUNCIL BOARD OF DIRECTORS INTERNAL AUDIT GOVERNANCE SECRETARIAT INTEGRATED RISK INTEGRITY AND AUDIT COMMITTEE MANAGEMENT AND REMUNERATION ETHICAL CONDUCT COMMITTEE CAPITAL ALLOCATION COMMITTEE COMMITTEE SUCESSION
Slide 8: Corporate Governance Committees and Fiscal Council
Market Relations Corporate Governance Department Committees Voluntary Membership On the executive level, there In 2001, joined the Level 1 of are 7 Board of Directors’ Corporate Governance of B3 S.A. – Committees: Brasil, Bolsa, Balcão and, in 2011, the Code of Self-Regulation and Good • AML/CFT – S
Slide 9: Corporate Governance: Board of Directors
Market Relations Corporate Governance Department Board of Directors 6 external members 3 independent members 90% Male 10% Female Annual Evaluation The average tenure of the Board of of board members is Directors 9.7 years The average board All independent or meeting attendance non-executive is 83% d
Slide 10: Annual Evaluation of the Board of Directors
Market Relations Corporate Governance Department Board of Directors Annual Evaluation of the Board of Directors Board of Directors evaluation is conducted annually and individually, according with some of the following indicators: For the Board Members, individually: For the Body, as a collegiate: •
Slide 11: Ethics and Integrity
Market Relations Ethics and Integrity Department Code of Ethics Training and Engagement Procedures to guarantee principles of integrity in the professional conduct. In 2019: 1,420 posts in our internal Integrity Program communication channels To prevent, monitor, detect and respond to harmful acts i
Slide 12: Sustainability Strategy
Z 6 SUSTAINABILITY STRATEGY
Slide 13: Sustainability Governance
Market Relations Sustainability Governance Department Corporate Identity Sustainability aspects into our E business and operations Governance: Sustainability & Diversity S G Committee and Sustainability Commission Sustainability-related policies, standards and management guidelines Managing Environm
Slide 14: Sustainability governance involves highest levels of the Organization
Market Relations Sustainability Governance Department Sustainability governance at Bradesco involves the highest levels of the Organization BOARD OF SUSTAINABILITY SUSTAINABILITY AND DIVERSITY DIRECTORS COMMITTEE COMMISSION Dedicated teams +40 employees at different departments dedicated to Ordinary
Slide 15: Policies, Guidelines and Studies
Market Relations Sustainability Governance Department Policies, Guidelines and Studies Corporate Sustainability and Social & Environmental Risk Climate Change • Corporate Sustainability Policy • Climate Change Management at Bradesco • Social and Environmental Responsibility Standard • Social and Env
Slide 16: Commitment to sustainability and voluntary initiatives
Market Relations Department Sustainable Development Sustainable Business Bradesco’s commitment to Diversity and Human Rights sustainability is also strengthened by our engagement Climate Change in industry-led initiatives and voluntary commitments Transparency 16
Slide 17: Corporate Sustainability Strategy
Market Relations Corporate Sustainability Strategy Department Embrace and promote diversity among our employees and customers Prepare our business for climate challenges and to enhance transparency Support customers in their transition to around climate impacts a more sustainable economy Amplify the
Slide 18: Alignment of Sustainability Strategy with SDGs and Principles
Market Relations Department Prioritization process Alignment of our Sustainability Strategy with the Sustainable Development Goals (SDGs) and the Principles for Responsible Banking Analysis of academic and sectorial studies Prioritized SDGs Consultation of internal and external stakeholders Analysis
Slide 19: Programs correlated with prioritized SDGs
Market Relations Corporate Sustainability Strategy Department Examples of Bradesco’s programs and practices that are correlated with the prioritized SDGs SDGs Targets: 4.4 SDGs Targets: 5.5 SDGs Targets: 8.3 Apprentice Bradesco #MulheresPraFrente Young people trained Foundation Leadership program to
Slide 20: Principles for Responsible Banking
Market Relations Principles for Responsible Banking Department Significant Bradesco’s actions to implement the PRB PRINCIPLE 1: PRINCIPLE 4: ALIGNMENT STAKEHOLDERS • Development of a new • Engagement of Suppliers with SDGs Sustainability Strategy • Contribution to sectorial and • Definition of six p
Slide 21: Sustainable Business
Z 6 SUSTAINABLE BUSINESS
Slide 22: Sustainable Business: 8 key sectors
Market Relations Sustainable Business Department 8 key sectors ESG On Corporate Development were classified by Bradesco as Sustainable Businesses: Bradesco’s product development process includes an assessment on social and environmental risks BIOFUELS LOW-CARBON AGRICULTURE Product Assessment Workfl
Slide 23: Sustainable Business growth
Market Relations Sustainable Business Department +20 Sustainable Business solutions Solar panel 169 finance 2,7 6,9 Environmental benefits (R$ million) 2017 2018 2019 Portfolio • Solar energy finance • Ecoefficiency leasing size: • Forest loans Social benefits 11% growth Low Carbon Agriculture Progr
Slide 24: Social and Environmental Risk
Market Relations Social and Environmental Risk Department Social and environmental Scope Criteria Sectors risk corresponds to a • Loans Evaluation of potential negative socio- High impact potential damage to • Supply Chain environmental risks (indigenous peoples, Moderate Impact (irreversible or nat
Slide 25: ESG Score and Risk Classification
Market Relations Social and Environmental Risk Department ESG Score Risk Category 50% 35% 15% Bradesco is a voluntary Not Subject to EP signatory since 2004 Subject to EP - C Governance Environmental Social all major projects that are funded or advised by Bradesco and are subject to the Equator Prin
Slide 26: ESG at Bradesco Asset Management
Market Relations ESG at Bradesco Asset Management (BRAM) Department By the end of 2020 Specific Products Commitments For example: R$529 billion in assets under management ISE Equity Fund 99% of total Resources allocated in companies that • BRAM: signatory since 2010 assets comprise the Corporate S
Slide 27: Green Bonds
Market Relations Green Bonds Department In Dec.2020, Bradesco issued its first Fund new or existing projects and assets in areas such as: bond linked to ESG criteria - Focus: Climate impacts - Instrument: Financial Note (Letra Financeira) Clean - Maturity: 30 months transportation - Yield to investo
Slide 28: Financial Education and Inclusion
FINANCIAL EDUCATION AND INCLUSION
Slide 29: MEI portal
Market Relations Financial Education and Inclusion Department 2.3 for retirees and Million pensioners 2019 in MEI portal cards mei.bradesco was launched in 2018 as a provider of financial and non-financial services for individual and micro entrepreneurs (MEI), customers and non- 72 pension- customer
Slide 30: Amazon
Z 6 AMAZON >) bradesco
Slide 31: Amazon
Market Relations Amazon Department 7% 2,400 of our service points (PAs) benefited people through financial are in North education and entrepreneurship initiatives in Amazon leaded by Unibrad 250,000 people from remote 24,678 communities are reached by students benefited by 11 Fundação Floating Branc
Slide 32: Amazon Plan
Market Relations Amazon Department Amazon Plan Commitment of 3 large banks in Brazil to promote the sustainable development of the Amazon region, with special focus on: ▸ Environmental conservation and development of Bioeconomy ▸ Investment in sustainable infrastructure ▸ Contribution to guarantee t
Slide 33: Climate Change
Z 6 CLIMATE CHANGE
Slide 34: Climate Governance and four major goals
Market Relations Department Climate Change Bradesco’s climate Climate Governance strategy works towards at Bradesco integrates risk and four major goals sustainability management structure Strategic Sustainability and 1. Reduce and mitigate greenhouse gas emissions and Diversity Committee manage our
Slide 35: Operations | Eco-efficiency
Market Relations Climate Change Department Operations | Eco-efficiency Non-recycled waste Revenue Indicator Electrical energy Revenue Indicator (ton/R$ MM) (ton) (MWh) (MWh/R$ MM) 535,768 2.258 0.074 19,319 519,422 521,108 2.123 2.025 0.045 12,107 0.034 1.882 493,294 7,945 0.026 6,435 2016 2017 2018
Slide 36: Commitments
Market Relations Climate Change Department Commitments Renewable energy: Carbon offsets: From year-end 2020, 100% of Bradesco’s We have committed to neutralizing 100% operations will be supplied with electricity of the greenhouse gas (carbon equivalent) from renewable sources emissions from our oper
Slide 37: Financed Emissions
Market Relations Climate Change Department Financed Emissions In 2019, we published our first study of financed emissions in 3 industries that are highly weighted in our loan portfolio, relevant in the Brazilian economy, and In 2020 Bradesco joined PCAF, a global critical in terms of carbon emission
Slide 38: Carbon Pricing
Market Relations Climate Change Department Intermediation in the Carbon Market Special market operators – (SMO) in the Emissions Trading System (SCE) simulation, promoted by FGV’s Sustainability Carbon Pricing Study Center in its Business for Climate Platform (EPC) Carbon pricing mechanisms, such as
Slide 39: Climate Change disclosure and TCFD
Market Relations Climate Change Department Climate change with potential Our main platforms to to threaten financial system report practices related to stability Official Support Climate Change are: Manifestation to TCFD Bradesco Asset Management CDP Climate Change and Banco Bradesco Bradesco An
Slide 40: Human Capital and Diversity
Z 6 HUMAN CAPITAL AND DIVERSITY
Slide 41: Human Capital – Indicators
Market Relations Human Capital – Indicators* Department Apprentice Program Union 50.6% 15.2% female 41-50 7.9% 50+ Age Gender 38.2% 31-40 Range (in years) 1,118 479 INTERNS APPRENTICES Interga rh 49.4% 38.4% Up to 30 46.4% male People management of the employees are tool to leverage the 89,575 22% u
Slide 42: Human Capital - Practices
Market Relations Human Capital - Practices Department Training and Benefits Climate Survey Performance Development ▸ Health and dental insurance ▸ 84% of participants in 2018 Review ▸ Meu Doutor Novamed Clinics ▸ Themes: engagement, ▸ Guided and supported by ▸ Group life, personal accident and immed
Slide 43: Diversity, Inclusion and Accessibility
Market Relations Diversity, Inclusion and Accessibility* Department Inclusion Policy Ethnic Groups for the Disabled 50% women Among the In the Prime management or 26.5% 63% 4,248 commissioned roles, business segment, Of our employees hold leadership or disabled employees 50% 71% are of African commi
Slide 44: Supply Chain
Z 6 SUPPLY CHAIN
Slide 45: Social and Environmental Program in the Supply Chain
Market Relations Bradesco’s Social and Environmental Program in Department the Supply Chain 250 06 Risk Analysis Audits conducted Initiatives recognized Bradesco’s Suppliers Conference 24% 26% 150 On-site audits 315 Financial Reviews 100 Balance sheets of the previous 10% 3 financial years, public c
Slide 46: Data Privacy and Information Security
DATA PRIVACY AND INFORMATION SECURITY
Slide 47: Data Privacy, Information Security and Cybersecurity
Market Relations Data Privacy & Information Security and Cybersecurity Department Commitment to the Data Protection • Our controls comprise procedures, processes, • Comprehensive employee training program; organizational frameworks, policies, standards and IT solutions that conform to the principles
Slide 48: Innovation
Z 6 INNOVATION >) bradesco
Slide 49: Innovation Ecosystem
Market Relations Innovation Department Innovation Inovabra was created to promote innovation Ecosystem both inside and outside Bradesco and it is formed by eight programs that share co-innovation as a common principle to address challenges to serve a society in continuous transformation. Thematic ev
Slide 50: Social Investment (Philanthropy)
SOCIAL INVESTMENT (PHILANTHROPY)
Slide 51: Fundação Bradesco at a Glance
Market Relations Civic Engagement and Philanthropy* Department Fundação Bradesco at a Glance Early Childhood, Primary and Secondary Educatiuon R$ 680,3 40 87.6% million School 40,586 Investment Throughout in 2019 Brazil Associate-Level Professional Education 3,431 1,522 1.4% Employees Teachers 656 M
Slide 52: Civic Engagement and Philanthropy Partnerships
Market Relations Civic Engagement and Philanthropy Department Partnerships OVERVIEW OF INVESTMENTS – R$ Million BRADESCO SPORTS AND EDUCATION PROGRAM BRADESCO Development of children and young PROJECTS 2017 2018 2019 people through the teaching of Business-School Integration Project 0,918 0,834 - vo
Slide 53: Performance and ESG Report
Z 6 PERFORMANCE AND ESG REPORT
Slide 54: Environmental, Social and Governance Performance
Market Relations Environmental, Social and Governance Performance (ESG) Department 0 39 87* 89 100 #1 Brazilian *Score reviewed in Dec. 2020 Silver Class for the Bank in 2020 3rd consecutive year edition on Sustainability 0 75 92 100 Yearbook | S&P D C A- A A 0 44 45 63 100 According with report of
Slide 55: SASB Indicators
Market Relations SASB Indicators Department • Enhancement of material • Establish the connection between aspects report that might business and investors through cause financial impacts; sectorial indicators. Reported Indicators: Physical impacts Accessibility of Climate change Product Design & Life
Slide 56: ESG Presentation
ESG Presentation [email protected] bradescosustentabilidade.com.br