Grupo Santander / Real www.bancoreal.com.br

Transcrição

Benchmarking
Grupo Santander / Real
www.bancoreal.com.br
History
Created in 1925 as a cooperative bank named Banco de Minas, the Grupo Santander / Real acquired 8 financial
institutions in Brazil from 1934 to 1971.
In 1973, two years after transferring the head office to São Paulo, the name was changed to Banco Real S.A.
In 1998 the group was acquired by the ABN AMRO Bank, as well as other financial institutions (Bandepe (1998),
Paraiban (2001) and Sudameris (2003)).
In 2007 the syndicate formed by the financial institutions Santander, RBS and Fortis acquired the ABN AMRO, which
was controlling the Banco Real.
In 2008, the Grupo Santander was installed as the indirect proprietor of all companies of the ABN AMRO Real
conglomerate in Brazil, after complying to all conditions necessary for the transfer of control, especially after receiving
the approval of the Banco Central da Holanda (and of the Banco Central do Brasil.
Benchmarking
Corporate Values
The corporate values of the BANCO REAL are used as a compass which points the way to decision-taking. The
corporate values had been installed globally by the bank in 1997.
The values were applied with the help of "workshops" which were obligatory for all employees of the company,
in which the transfer of those to the day-to-day business were discussed.
Since then, problematical situations are being discussed on a routine base within the organization, always seeking to
comply to corporate values:
Respect – all people are to be respected, independent of their origin, position, sex and age. The plurality and divergence
of ideas and opinions has to be treated with dignity.
Teamwork – teamwork is the key to success in the bank business. The company shares knowledge and resources,
always benefiting the clients, staff, society and shareholders.
Professionalism – it is self-evident that clients are being treated with the highest quality possible. The same
professionalism is understood within the company.
Benchmarking
Sustainability
Excellent relationships
Always in search of perfection:
-transforming the relationship to employees, clients, suppliers and interact with society and the environment;
-refining processes and the development of new products and services.
Long-lasting relationships are being treated with excellence, especially when it comes to sharing beliefs and values. This
is the key to sustainability of the company.
“Being sustainable means to us being successful in a developing country. It means to create good results in a
market with many participants, in a less unequal world, more human and with a focus on the next generations. It
means to boost the interaction with all those who are accompanying us on our way.” (Banco Real).
Benchmarking
Sustainability
Problem-solving has to be a matter of everyone in our society. Therefore, everybody in their network of relationships is
being involved.
The company believes that the question of sustainability is much more than philanthropy: it is the new and modern way
of creating profitable and innovative business. Therefore the company cooperates incessantly with the stakeholders.
Benchmarking
Sustainability – Products and Services
“Financiamento em sustentabilidade ”- Financing sustainability credit to people who and companies which invest in
social and environmental projects);
“Microcrédito” -micro credit: credit to support businessmen from communities with low income;
“Real CDB Sustentável” -Banco Real sustainable CDB: a service for all those who are willing to invest in products which,
apart of being profitable, create social and environmental benefits;
“Turismo Real”- Banco Real Tourism: Converging public and private institutions as well as the tertiary sector, creating
awareness among travelers and qualifying the agencies working in this sector;
“Construções sustentáveis”- Sustainable constructions”: promotes the responsibility in social and environmental
questions of real estate enterprises which are being financed by the bank;
“Crédito de carbono”-Carbon credit: the bank was the first financial institution to realize credit operations for carbon in
Brazil. Since then, the bank is the leader in this segment. By stimulating the partaking companies in this market, it
finances and counsels all stages for the projects of the MDL -Mecanismo de Desenvolvimento Limpo (Mechanism of
clean development).
Benchmarking
Sustainability - Products and services
- Client values:
- Account: The checking account is the fundamental base in the relationship bank/ client. The objective is to garantee
satisfaction for the client with the product.
- Divulgement of all tasks with clarity;
- Senior staff with best qualifications, indicating the best financial product or investment in every situation.
- Goal: Construct a long-lasting relationship with the clients. Help realizing the projects of each client and finding the
correct product for his dream.
- Services which respect the environment and the people:
- Financial institutions with sustainable construction
- Checkbooks are being produced with environmental-saving paper.
Benchmarking
Sustainability – Exertion and management
- The first step was to revise the processes of management. The bank did not have the proper formula prepared, but
knew that the construction had to be created in accordance with the day-to-day work, in cooperation with all our
employees. From the beginning the bank realized that, if the company could influence all tasks in a positive way, at and
outside of work, the change would be much stronger.
- The change had not been executed in a fast or forced kind of way. One only has the power to change things if oneself
believes in the transformation.
- Over the years a sustainability control was created, which since 2006 has the agency called “Conselho de
Sustentabilidade”(Board of Sustainability). Created by directors and senior representatives of all areas, the board has
the mission to create and accelerate the integration and sustainability within the bank, alining the iniciatives and
monitoring our evolution by using indicators.
Benchmarking
Sustainability - Diversity
- Contract conclusion including groups which have been discriminated against during the past decades or which
have been exposed to vulnerable situations or disadvantages in the society: african descending, handicapped,
teenagers, people older than 45, women and homosexuals.
- Internally, the bank has groups dedicated to each of these minorities:
- African descending– Internship program for young black men and women;
-  Handicapped – Investments to improve the accessibility of our buildings, such as ramps, special care and
distribution of software to employees, clients and non-clients. Even more, “Geração Eficiente” (Efficient
generation) has been created, an internship program for handicapped university students.
Benchmarking
Sustainability - Diversity
- Women – Various actions have been taken to improve and support the development and professional rise of
women within the organization.
-  Young apprentices – A program for the personal and professional development of teenagers from
underprivileged families.
-  Programa Sênior – Senior program: Stimulates the employment of people of both sexes, older than 45.
-  LGBT (Lesbians, Gays, Bisexuals, Transvestites and Transgendered) – Benefits for same-sex couples, such
as composition of wealth and real estate credit.
Benchmarking
Sustainability – Educating employees
- Apart of creating opportunities for further education in regular sustainability programs, the company also realizes special
trainings, treating up-to-date topics. The objective is to create profound knowledge of certain topics, and to easily identify
social and environmental opportunities within the process.
- From 2002 to 2004, 2.100 credit analists and managers have been trained in the topic “Risco Socioambiental “(Social
and environmental risk).
- In 2005, the company realized Workshops de “Negócios Sustentáveis” (Workshops for sustainable business) for 662
managers and “Treinamentos de Oportunidades de Negócios Sustentáveis” (Identification of possibilities of sustainable
business) for 2.000 managers. Until 2006, more than 8.300 employees have been trained in the topic of sustainability. In
2007, the “Programa de Desenvolvimento de Líderes em Sustentabilidade” (Program to develop leaders in sustainailty)
had been completed with 2.400 employees.
- For all: The “Oficinas de Sustentabilidade” (Sustainability workshops) also offers workplaces to partners, as well as
“Encontros de Sustentabilidade ”(Sustainability meetings), which are open to clients, partner institutions and to all those
who are interested.
Benchmarking
Sustainability – Management of suppliers
- Mobilize the suppliers to reflect on the necessity of creating business considering sustainability. The suppliers are being
invited to meetings, in which they share their experience and incentives for sustainable business in their own companies.
All those who accept are being invited to a self-avaliation, based on Instituto os (Social Responsability Institute)
indicators, and will receive a plan for improvement.
- A new way of management for the selection, qualification and accompaniment of suppliers. Apart of factors such as
quality, price and delivery time, social and environmental aspects are being considered.
- The “Parceria de Valor ”(Partnership of value) document was created, to incentive the compliance with aforementioned
rules. The company includes, in all its` contracts with suppliers, clauses which forbid discriminatory acts, such as child
labor.
- Various purchasing processes and payment routines have been altered to a more efficient and transparent way. The
company also created an internet portal, the “Canal do Fornecedor” (Supplier channel), which strengthened the relation
of the bank and their partners.
- Another important initiative was the “Programa Compartilhar ”(Share Program), which offered the opportunity to learn
more about the companies which colaborate with the bank.
Benchmarking
Sustainabilty – Principles of business
- “Conduta de Valor” – Treatment of values: Guidelines and schemes of conduct based on ethics and integrity, which
must be complied with in the day-to-day routine of all employees.
- “Aceitação de Clientes e Prevenção à Lavagem de Dinheiro” – Client Acceptance and prevention of money laundering –
Rules which describe the philosophy of the principle "Conheça seu Cliente“ (Know your client), to actively combat money
laundering and the financing of terrorism.
Benchmarking
Sustainabilty – Principles of business
- “Privacidade e Confidencialidade das Informações “– Privacy and confidentiality of information: Regularizes the use of
confidential data and information, to keep it protected conform to the bank secret.
- Chinese Walls – Are internal arrangements which limit the movement of information within the bank, regarding the
confidentiality of client information.
- Sarbanes-Oxley – The bank is prepared to control the upkeep and certification of the Sarbanes-Oxley act, which rules
the specific mandates and requirements for financial reporting.
- “Basiléia II” – (Basel II) The bank has adequate systems and processes trying to certify the correct enactment of the
“Novo Acordo de Capitais do BIS” (Constituent charter of the New Bank for International Settlements), also known as
“Basiléia II” (Basel II), which created criteria to stabilize and elevate the safety of the international financial market.
Benchmarking
Sustainability – Social and cultural investments
- The social private investments play an important role in the construction of a better world. And, to partake in this world,
the bank believes that it is not sufficient to simply donate. The company decided to go further, by mobilizing employees,
clients and suppliers to make the difference when it comes to social transformation.
- This work also involves the accompaniment and avaliation of the projects, as well as its` results and the establishment
of partnerships with companies from different sectors and with all parts of society.
Benchmarking
Sustainability – Education - Projects
- “Projeto Escola Brasil” - Brazilian School Project – volunteers which contribute to the upgrading of education in public
schools;
-  “Amigo Real” - Real friend: a part of the tax on profits is destined for children and teenagers living in counties with a low
development index;
-  “Brincando na Rede” - Playing in the internet: An area in the internet which is disigned to spark interest of children from
5 to 12 in reading;
Benchmarking
Sustainability – Education – Projects
- “Prêmio Educar para a Igualdade Racial”- Award for Racial equality: Education to sensibilize and stimulate the inclusion
of ethno-racial topics in school;
- “Banco na Escola”- Banco in school: bankers use their knowledge to teach management in public schools;
-  “Programa Compartilhar ”- Share Program: Alphabetization and fundamental education for employees from third party
companies;
-  “Escola Rodrigues Alves”- Rodrigues Alves School: Project to revitalize the school community;
-  “Canto da Escola”- School corner: program which supports development in school areas;
Benchmarking
Sustainabilty – Wealth and Environment Management - Projects
- “Concurso Banco Real Universidade Solidária” Banco Real solidary university: Support of projects which create
sustainable development of universities;
-  “Investimento Reciclável”- Recycable investment: Program to support the refinement of cooperation with recycling
companies;
-  “Alameda das Flores”- Flower alley: Revitalizing space which offers teenagers with low income the opportunity to enter
the job market, as well as cultural programs on sundays.
- “Cisternas”- Cisterns: Project to construct 1.000 cisterns in areas with little rain;
- “New Ventures”- incentive for sustainable entrepreneurship;
-  “AfroReggae- Partnership with AfroReggae which supports the social transformation in poor communities in Rio de
Janeiro.
Benchmarking
Sustainabilty – Culture – Projects
- The company believes that sharing cultural values is the right path to support civil rights and the belief in upkeeping,
promoting a widespreading visions of living together with the community and the environment.
- The cultural heritage and visual arts are essential components of this process. Therefore, the cultural investment is
centred in the restauration and preservation of public national heritage and exhibition of visual arts.
- On its` way, the Banco Real has contributed relevantly in these areas, sponsoring hundreds of initivatives in different
regions of Brazil. Each action taken is accompanied by an educative activity.
- For the bank, education has the power of transformation, able to amplify the comprehension of the people and their
needs and their ability to take conscient decisions, which contribute to a more human and sustainable world.
Benchmarking
Sustainability – supported institutions by the Banco
- “Aliança Brasil Universitário”- Brazilian university alliance: Promotes the creation of concepts of university students to
develop Brazil in a social, economic and environmental way;
- “Apoio ao Fome Zero”- Zero Hunger: Stimulates actions and politics, hand in hand with the civil society, to develop
social programs with a focus on alimentation;
- “Ashoka Empreendedores Sociais ”(Ashoka Social entrepreneurs: Has the mission to identify and invest in leaders and
entrepreneurs with creative ideas and innovations, which create a strong positive social change;
- “Associação Viva o Centro”- Association Live the Centre – Program for the development of the central area of São
Paulo, in its` urban, social, functional, social and economic aspects, trying to transform the city centre to a big, strong
and efficient metropolis;
- “Care Brasil”- association without financial intentions. This network is a conjunction of organizations which act in 72
countries, combatting poverty;
- “Carpe Diem”- Program for the social inclusion of mentally disabled. Includes programs of education, professionalism,
pedagogues and their inclusion in the community and family;
Benchmarking
Supperted Institutions by the Banco
- “Compromisso Todos pela Educação” - Educational compromise: A program to reinforce public education to such an
extent that, until 2022, bicentenary of the Brazilian independance, all children and teenagers have access to basic
education with high quality;
- “Comunitas”-Comunitas – initiative to reinforce the civil society and the promotion of social development in Brazil.
Supports the programs of the Comunidade Solidária, which nowadays works nationwide;
- “Fundação Abrinq pelos Direitos da Criança e do Adolescente” – Foundation Abrinq for the rights of children and
teenagers – created to promote and defend the rights and exertion of civil rights of children and teenagers;
-”Fundação Brasileira para o Desenvolvimento Sustentável “(Brazilian foundation for sustainable development –
implements the approved conventions of the ECO 92. Being in the network of a scientific community, entities of
international support and national corporations plan and structure projects of sustainable development;
- “GIFE - Grupo de Institutos, Fundações e Empresas” -Group of institutions, foundations and companies – first SouthAmerican association which reunites companies, institutions and foundations which perform private social investment.
Contributes to the perfection of practical ideas within the area;
Benchmarking
- “Instituto Brasil Voluntário” - Faça Parte Institution of volunteers in Brazil – Partake: Social organization which has the
mission to promote the culture of voluntariness;
- Instituto Ethos de Responsabilidade Social (Institution of Ethics and Social Responsibility: created with the mission to
mobilize, sensibilize and help the companies create their business in a socially responsible way);
- Instituto São Paulo Contra a Violência (Institution against violence in São Paulo – has the objective to support the
development of politics, programs and innovative and efficient actions to control and reduce criminality and violence in
São Paulo);
Benchmarking
- Integrate (promotes the representative participation of entrepreneurship and of the social Brazilian diversity. Acts as
facilitator and discoverer of opportunities in between purchasers and suppliers);
- Movimento Nacional pela Cidadania e Solidariedade (National movement – oecumenic initiative to mobilize and make
the civil society aware of the governments` promise to comply with the 8 Objetivos de Desenvolvimento do Milênio da
ONU (Millenium Objectives of the United Nations).
- Parceiros Voluntários (Voluntary partners – NGOs which have the following vision: Creation of a culture of organized
voluntary work);
Rede Social São Paulo (Social network São Paulo, which has the mission to articulate already existing iniciatives to
improve the utilization and distribution of available resources, with top priority of implementing the ECA (Estatuto da
Criança e do Adolescente – Statute of children and teenagers).

Grupo Santander / Real www.bancoreal.com.br

Transcrição

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