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3Q19 Results

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Positive Impact
Commitments

  • We believe that people have the power
    to change the world. We also believe that
    a bank can encourage this change. Our eight
    positive impact commitments translate
    this purpose.
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2019 Public Meetings (APIMEC)

QUOTATIONS:
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Events calendar

  • 11/04/2019

    Earnings Release – 3rd Quarter of 2019
    +

  • 11/05/2019

    Conference Call on the Results of the 3rd Quarter of 2019 in English
    +

  • 11/05/2019

    Conference Call on the Results of the 3rd Quarter of 2019 in Portuguese
    +

> VIEW ALL EVENTS

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6 Strategic Fronts

Transformational
Gestão de Pessoas
People Management
  • improvement of our incentive models;
  • new cooperative work dynamics (assessment tools);
  • dissemination of what we call Nosso Jeito (Our Way - meritocracy, ethics and respect).
Satisfação de Clientes
Customer Satisfaction
  • Differentiated and new experiences for the client;
  • “Service culture” always focused on customer satisfaction and long-term relationship.
Transformação Digital
Digital Transformation
  • Speed up our digital transformation process;
  • Increase in the productivity of our IT Department;
  • Dissemination of the digital mindset throughout the bank;
  • Efficiency and improvement of user experience and customer satisfaction
Continuous Improvement
Rentabilidade Sustentável
Sustainable Profitability
  • increase efficiency;
  • identify opportunities to reduce costs;
  • manage investments to gain agility;
  • efficient management of capital allocation through a proper cost of capital.
Gestão de Riscos
Risk Management
  • compliance with the Risk Appetite.
  • Managing risks is the essence of our activity and a responsibility of all employees.
Internacionalização
Internationalization
  • Reach in the countries where we operate the same management quality and level of results we have in Brazil.
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