INSTITUTIONAL febraban.br

March/2012

INSTITUTIONALwww.febraban.org.br

SUMMARY

VISION MISSION AND MAIN STAKEHOLDERS AMOUNTS STRATEGIC OBJECTIVES PERFORMANCE LINES STRUCTURE, BOARDS, DIRECTORY AND COMMITTEES MAIN PRODUCTS AND SERVICES THE ROLE OF THE BANKS BANKING SECTOR 2003 THROUGH 2010 IMAGE PILLARS AND CHALLENGE TARGET GROUPS AND ISSUES MAIN PROJECTS

VISION

A healthy, ethical and efficient financial

system is an essential condition for the

economic, social and stable development of

Brazil

International Bodies

AssociatesPowers

Constituted

Entities Representing

Society

Society

Opinion Formers

Press

Other Economic Sectors

Employees

Financial System

Regulators

Unions

Class Associations

Mission

Contribute to the economic,

social and sustainable

development of the country,

representing its associates and

seeking continuous

improvement of the financial

system and its relations with

society

MISSION AND MAIN STAKEHOLDERS

VALUES

Promote ethical, moral and legal values

Value people, work and entrepreneurship

Encourage practices of citizenship and socioenvironmental

responsibility

Defend private initiative, the free market and free competition

Defend the dialog, respect and transparency in relations with

customers and society

Act professionally and openly

Value diversity and social inclusion

STRATEGIC OBJECTIVES

Represent its associates before the powers constituted and entities representing society

Interact with authorities and institutions in preparing and improving the normative system

Develop initiatives for the continuous improvement of the productivity of the system and the reduction of the risk levels

Watch over the efficiency of the financial intermediation and increase its contribution to society, including developing efforts which allow the growing access of the population to financial products and services

Transmit to society the role and contribution of the financial system to the economic, social and sustainable development of the country

PERFORMANCE LINES

Propose and defend changes or editing of standards which increase the

efficiency of the financial system and improvement of its instruments

Develop and maintain communication channels with the Executive, Legislative, and Judicial Powers, Class Associations, Consumer Defense

Bodies and other domestic and international entities and bodies

Coordinate, when required, the contracting of professionals to defend the

legal interests of the associates

Execute and disclose studies and research aiming at improving the

Financial system

Communicate the role and performance of the financial system in a proactive manner

PERFORMANCE LINES

Make statements, when appropriate, about issues of interest to public opinion

Desvelop training and qualification programs for the employees of associates

Implement self-regulating programs Disclose to associates relevant information about issues object of its performance Encourage and support projects concerned with conserving biodiversity and the rational use of natural resources

Encourage and promote the financing of initiatives whicdh are in harmony with sustainable development

GENERAL STRUCTURE

FEBRABANGeneral Structure

CONSULTING BOARD BANKING SECTOR

Aldemir Bendine - Banco do Brasil

Conrado Engel - HSBC

José Ermírio de Moraes Neto – Votorantim

Luiz Carlos Trabuco Cappi – Bradesco

Jorge Fontes Hereda – Caixa Econômica Federal

Pedro Moreira Salles – Itaú Unibanco

Roberto Egydio Setúbal – Itaú-Unibanco

OTHER SECTORS

Abram Abe Szajman – Fecomércio

Fabio C. Barbosa – Grupo Abril

Cledorvino Belini – Anfavea

João Batista Crestana – Secovi / SP Housing Union

José Roberto Mendonça de Barros MB Associados

Luiz Fernando Furlan – Brasil Foods

Paulo Godoy – ABDIB

Roberto Rodrigues - Getulio Vargas Foundation

Viviane Senna - Ayrton Senna Institute

CHAIRMAN Roberto Egydio Setubal

BOARD MEMBERS Banco ABC Brasil Banco Alfa Banco BBM Banco do Brasil Banco Industrial e Comercial Banco Toyota do Brasil BNP Paribas Brasil Bradesco BTG Pactual Caixa Econômica Federal Citibank NA Credit Suisse HSBC Itaú-Unibanco Rural Safra Votorantim

STEERING COMMITTEE - CHAIRPERSON

CHAIRMAN Júlio de Siqueira Carvalho de Araújo (Bradesco)

VICE CHAIRMANElcio Anibal de Lucca (LUCCRA)

BOARD MEMBERSAugusto Sérgio Amorim Costa (Banpará) Angelim Curiel (Citibank)Décio Carbonari de Almeida (Banco Volkswagen) Jorge Fontes Hereda (Caixa Econômica Federal) José de Menezes Berenguer Neto (Santander)Luiz Carlos Everton de Farias (BNB)

SELF-REGULATING BOARD

Luiz Horácio da Silva Montenegro (Banco Toyota) Marcos de Barros Lisboa (Banco Itaú-Unibanco) Milton Roberto Pereira (Banco Votorantim) Paulo Sérgio Cavalheiro (Banco Safra) Taise Christine da Cruz (Mercantil do Brasil) Walter Malieni Junior (Banco do Brasil) Walter Shinomata (HSBC) VAGO (Banrisul)

INDEPENDENT BOARD MEMBERS Alencar Burti (Commercial Association of São Paulo) José Pastore (Concord Labor Relations) José Vicente (University of Unipalmares/AFROBRAS) Luiz Lara (Lew’Lara\TBWA)

SELF-REGULATING BOARD

PRESIDENT Murilo Portugal – President (FEBRABAN)

VICE PRESIDENTS Julio de Siqueira Carvalho de Araujo – Vice President (Bradesco) Marcos de Barros Lisboa – Vice President (Itaú-Unibanco)

EXECUTIVE VICE PRESIDENT Wilson Roberto Levorato (FEBRABAN)

DIRECTORS Alexandre Corrêa Abreu (Banco do Brasil) Angelim Curiel (Citibank) Carlos Alberto Vieira (Safra) Érico Sodré Quirino Ferreira - (ACREFI) Hélio Ribeiro Duarte (HSBC and President of ABBI) José de Menezes Berenguer Neto (Santander Brasil) Márcio Percival Alves Pinto (Caixa Econômica Federal) Milton Roberto Pereira (Votorantin) Oswaldo de Assis Filho (BTG Pactual) Renato Martins Oliva (Banco Cacique)

EXECUTIVE DIRECTORY

EXECUTIVE COMMITTEES

Institutional Relations Support and Control Business

Coordinator : Hélio Ribeiro Duarte (HSBC)

Technical commissions Economy Marketing and Social Communication Institutional Relations Social Responsibility and Sustaonability Human Resources Ombudsmen and Relations with

Customers Legal Matters Latin Americam issues (FELABAN)


Institutional Relations Business

Support and Control

Coordinator: Oswaldo de Assis (BTG Pactual)

Technical commissions Accounting and Fiscal Issues Internal Audit Compliance Risk Management Bank Security Banking Automation and Technology Costs Cash Banking Services Taxation Prevention and Fraud


Institutional Relations Support and Control Buainess

Coordinator: José Berenguer (Santander)

Technical commissions ABECS – cards Correspondents in the Country ABECIP – Real Estate and Savings Treasury Operations International Operations Credit Policy Physical Entity Credit Products Corporate Entity Credit Products ABBI – International Banks Vehicle Financing ABEL – leasing ACREFI – financials Consigned Credit

PERFORMANCE DYNAMICS

EXECUTIVE DIRECTORY


TECHNICAL COMMISSIONS

WORK GROUPS

Consumers

Media/Press

Congress

Associations

Academy

Unions

Central Bank

Treasury

.........

MAIN PRODUCTS AND SERVICES

FEBRABAN

• Preparation of studies and technical notes related to bills in the National Congress

• Coordination of judicial initiatives to defend the sector • Positioning with the media about issues of interest to

associates and society• Representation of the banks with authorities, domestic

and international entities• Preparation, disclosure and discussion with the regulators

of proposals aiming at the efficiency of the system and minimizing risks

• Disclosure of informations about banking products and services

• Coordination of studies, surveys and initiatives which aim at improving the image of the sector, attendance and relations with consumers

• Implementation of management and self-regulation of banks

• Implementation of actions of social responsibility, sustainability and social inclusion

• Capacitation of associates• Execution of events of interest to associates and society• Negotiation of the Collective Labor Agreement of the

Sector

FEBRABAN

REPRESENTATIVENESS – TOTAL OF THE BANKS

BANKING SECTOR 2003 through 2010

Present in 5,657municipalities

total assets of R$ 3.8 trillion + 190%

total net equity R$ 351 billion + 183%

Basel index 17.1 %

total credit R$ 1,706 billion + 308%

total deposits R$ 1,466 billion + 199%

more than 460 thousand collaborators

R$ 1 billion in social and cultural investments

BANKING SECTOR 2003 through 2010

GREATER ACCESS 243 thousand points of

attendance to the public + 177%

153 million credit cards + 240%

37.8 million customers with access to

the Internet + 183%

GREATER AUTOMATION OF THE SYSTEM

5.2 billion transactions in the branch

cash desk + 10%

GREATER BANKARIZATION 141 million checking accounts + 62%

97 million savings accounts + 56%

2.9 billion transactions with credit cards + 222%

56 billion banking transactions + 212%

3 billion transactions of public utility + 31%

BANKING SECTOR 2010

GREATER ACCESSIBILITY

101 thousand ATMS adapted for people

with special needs

INTERBANKING TRANSACTIONS

96 million TEDs 2.1 billion compensated bank

invoices

ATTENDANCE

43% self-attendance 23% internet banking 9.4% presence at the cash desk 5.6% correspondents in the Country 5.2% automatic 4.2% POS 2.9% call centers 2.0% checks

THE ROLE OF BANKS

protect and remunerate the savings of individuals and

corporate entities

grant credit to consumption, production and investment

render services of payments and receipts

Financial Intermediation

Interest and commissionsTariffs, annuities and administration rates

Rendering of services

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from Federation which PROTECTS the BANKS

IMAGE CHALLENGE

to Federation which DIALOGUES with SOCIETY

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STRATEGIC PATH

Work on two pillars

Value positive attributes

perceived or not

SECTOR FEBRABAN

CREDENTIALS RENDERING OF SERVICE

RENDERING OF SERVICE+

Rescue pride of being a banker.

Value their competences

Employees Society

Consolidate the dialog

with society

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CREDENTIALSCREDENTIALS RENDERING OF SERVICES

+Strengthen

contribution of the banking sector to the economic, social and

sustainable development of the

country and its continuous search to improve the system

and its relations with society.

Increase and consolidate the dialog

with society by rendering services of guidance about using

the bank well and conscious consumption,

promoting financial education.

PILLAR 2PILLAR 1

STRATEGIC PATH

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To endow the banking system with the conditions and

tools required to be able to render the services which

society expects of it

WHAT WE WANT...

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Commitment to improving the domestic financial system to the benefit of the consumer

Commitment to sustainable socioeconomic development

Promotion of citizenship and financial education

Dialog with society

Transparency_______________________ IMAGE PILLARS

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General Plan of Action To Strengthen the Image of the Sector and

FEBRABAN

SYSTEMATIC ANALYSIS AND MONITORING

COMMUNICATION WITHBANK

EMPLOYEES

ADVERTISINGPUBLIC

RELATIONSRELATIONS

WITH THE MEDIA

INTEGRATED COMMUNICATION

SCRIPT OF THE COMMUNICATION ACTIONS

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TARGET GROUPS

Consumer defense bodies

CustomersOpinion formers

Academy

Unions

Press

Banks /sector

FEBRABAN

BankersInternal public

Entities and

associations

Governments

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ADVERTISING CAMPAIGNS

Speak to your bankCustomer Help Desk

and Ombudsman

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DDA NEW LOGO MARK

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LAUNCHING OF THE PORTAL MY POCKET UPDATED(MEU BOLSO EM DIA)

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LAUNCHING OF THE CENTER “COUNT HERE” (CONTE AQUI)

36


“USE AWARE OF CREDIT”

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NEW LOGO MARK

Logo Mark years 90 and 2000 New Logo Mark - year 2009

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FEBRABAN NEWS BULLETIN – year 2010

Edition # 1 (03/25): 1. President’s Letter – launching of the newsletter2. Launçching of BRAIN – Brazil Investments and Business3. Launching of the financial education portal My Pocket

Updated

Edition # 2 (05/14) 1. Thematic groups (negotiations between banks and

banking unions)2. Portal My Pocket Updated3. Increase of credit in Brazil

Edition # 3 (07/07) 1. Spread2. Green Protocol3. FEBRABAN Prize II Banking Economy

Edition # 4 (07/22) 1. Profit of banks

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Edition # 5 (08/02) 1. Protocol signed with the Federal Police to combat

electronic fraud2. Conduct Adjustment Term (TAC) of accessibility3. Valuation of Diversity – agreements with SEPPIR, SPM and

MEC

Edition # 6 (08/17): 1. Banking Services and tariffs2. SEMARC 20103. FEBRABAN Survey of Macroeconomic Projections and

Market Expectations

Edition # 7 (09/16) 1. 20 years of the Consumer Defense Code2. Coffee with Sustainability

Edition # 8 (10/07) 1. Green Protocol

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Edition # 9 (11/03) 1. Launching of COUNT HERE

Edition # 10 (11/16) 1. Launching of CED

Edition # 11 (11/25): 1. Launching of the Caravan My Pocket Updated2. Launching of the STAR Tariff Packge

Edition # 12 (12/16) 1. Launching of the new Real banknotes

Edition # 13 (12/22) 1. President’s Message about the year 2010 – stability

of the sector and banking inclusion

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Edition # 14 (01/19) 1. STAR Tariff Package – access record

Edition # 15 (04/06) 1. FEBRABAN Program of Capacitation and Inclusion of

People with Special Needs - PCDs

Edition # 16 (06/01) 1. Check Clearing enters the digital age

Edition #17 (22/08) 1. FEBRABAN launches advertising campaign for the use

aware of credit

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PROJECTS AND ISSUES

• Financial Education

• Diversity Forum

• 2nd group Capacitation and Inclusion of PCDs

• Young apprentice

• Bankarization and Financial Inclusion

• Program “Starting Again“

• FEBRABAN Opportunities

Promotion of citizenship and

financial education

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PROJECTS AND ISSUES

Dialog with society

• STAR

• Count Here – Self-regulation –

• Self-regulation Seal

• Projection Survey

• Banking Economy Weekly Newsletter

• Credit and Indebtedness Survey

• Annual Report

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PROJECTS AND ISSUES

Commitment to sustainable

socioeconomic development

• Long-term credit

• Green Protocol

• Sustainable Financial Cycle

• Retail Payment System

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PROJECTS AND ISSUES

Commitment to improving the domestic financial

system to the benefit of society

• M-Payment

• Credit Assignment Center

• Compe with Image

• Correspondents in the Country

• Protection of individual data,

great indebtedness and positive registration

• Banking security

• Center of Exposure to Derivatives

Thank you !

www.febraban.org.br

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INSTITUTIONAL febraban.br