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<h3 class="d-black">3Q19<br> Results</h3>

3Q19
Results

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<h3 class="d-black" >Tier 2 Subordinated</h3>

Tier 2 Subordinated

<h3 class="d-black">Zup<br> Acquisition</h3>

Zup
Acquisition

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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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