Criteria for financing assignment, positive impact and delinquency

The criteria adopted for the assignment of financing directly impact the Bank’s operations, as they impact investors’ decision-making, as well as new regulatory guidelines can impact criteria adopted. The strategic allocation of resources can foster the State’s social & economic development, as customers are directly impacted by the defined criteria. The Bank adopts criteria to minimize negative impacts, such as checking if the customer is listed as an “Employer of Forced Labor”, if they received environmental licenses or they have already caused environmental damage subject to conviction, and the absence of these criteria can generate negative impacts for the Bank.

Material topics

Boundary?

Impacted stakeholders:

  • Shareholders/investors
  • Customers
  • Employees
  • Community/society
  • Suppliers and partners
  • Government
  • Environment
  • Banrisul Operations

Engagement:

INDICATORS

Criteria for financing assignment, positive impact and delinquency​

Banrisul’s strategy is aims to set up partnerships to increase the number of microcredit operations. For the year 2022, the Bank plans to make progress in the partnership with the union of motorcycle couriers, offering microcredit lines at special conditions for the acquisition of new motorcycles, safety equipment for use in the activity of motorcycle couriers, and the financing of bicycles, contributing to the safe delivery of orders.

As regards loans to promote small businesses and community development, three credit operations were granted, totaling R$ 13,600.00 in 2021.