MISSION, VISION AND VALUES OF BANCO DA AMAZÔNIAjp.camaradojapao.org.br/upload/files/7 Banco da...
Transcript of MISSION, VISION AND VALUES OF BANCO DA AMAZÔNIAjp.camaradojapao.org.br/upload/files/7 Banco da...
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To promote the sustainable development of the Amazon, through the implementation of public policies and the provision offinancial products and services.
Be recognized as Bank of solid results, partner in the sustainable development of the Amazon, which offers quality products and services with efficient processes and qualified and motivated employees.
MISSION, VISION AND VALUES OF BANCO DA AMAZÔNIA
Mission
Vision
• Ethics and transparency• Commitment to Sustainable Development• Proactivity• Respect for diversity• Change agent• Shared Management• Development of Skills and Meritocracy• Relationship and communication• Collegiate Decisions
Values
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VALMIR PEDRO ROSSI
ANTONIO CARLOS DE LIMA BORGES
JOSÉ MARQUES DE LIMA
BOARD OF DIRECTORS
Business Infrastructure Director
President
Risk and Control Director
CARGO VAGO
WILSON EVARISTO
LUIZ OTÁVIO MONTEIRO MACIEL JR.
Analysis and Restructuring Director
Commerce and Distribution Director
Resource Management Director
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• 72 years of expertise on Amazon’s issues
BANCO DA AMAZÔNIA’s PROFILE
• Main financial agent of Regional Development in Amazon
• 96,92% of stock capital belong to Brazilian Government
• Net worth: R$ 2.694 million
• Total assets: R$ 12.418 million
• Northern Region development credit ownership: 58,59%
Source: Bacen (Base: Nov /2014)
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ACRE
AMAPÁ
AMAZONAS
MARANHÃO
AREA OF ATUATION
Presence in the Region:
MARANHÃO
MATO GROSSO
PARÁ
RONDÔNIA
RORAIMA
TOCANTINS
OUT OF AMAZON:
SÃO PAULO
DISTRITO FEDERAL
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BANCO DA AMAZÔNIA HAS 10.64% OF BANKING NETWORK INSTALLED IN AMAZON
Banco da Amazônia10,64%
3.303 employees
124 Agencies
INSTITUTIONAL PERFORMANCE
Other Banks89,36%
Source: BACEN (Base: Nov/2014)
9 Regional Superintendents
37 other points of service
All told, there are 46 mil thousand ofTECBAN points,
100% of Northern Region’s municipalities covered with credit
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PARTICIPATION IN LONG-TERM (DEVELOPMENT) CREDIT OF THE REGION
TOTAL ASSETS (R$ MILLION)
7.3987.806
8.462
9.87110.518
11.33012.418
INSTITUTIONAL PERFORMANCE
Bancoda Amazônia 58,59%
Other Banks 41,41%
Source: BACEN (Base: Nov/2014)
NET WORTH(R$ MILLION)
Source: GECON (Base: Dez/2014)
1.886 1.8971.934 1.934
2.030
1.625
2.694
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Induction: The Bank will encourage customers and se ctors more related economic activities with the principles of sustaina ble development.
SOCIAL AND ENVIRONMENTAL POLICY ON CREDIT
Directives
Safeguards: set of administrative and technical mea sures which guides the Bank's performance in the analysis, credit appr oval and review.
Exclusion: the Bank chooses not to work with custom ers who do not comply with current legislation and performing activities and practices that contradict the principles and values of the organization, tran slated in Social and Environmental Policy.
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PRODUCTS AND SERVICES
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MAIN PRODUCTIVE SEGMENTS SERVED
ApicultureFamily Farming
ShrimpCattle
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MAIN PRODUCTIVE SEGMENTS SERVED
EducationTrade and services
GrainsFruit production
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MAIN PRODUCTIVE SEGMENTS SERVED
Industry Infrastructure
Environment Fishery
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MAIN PRODUCTIVE SEGMENTS SERVED
Pisciculture Reforestation
Tourism Health
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SOURCES AND FINANCING PROGRAMS OF BANCO DA AMAZÔNIA
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• Constitutional Fund for Financing of the North Region– FNO
• Workers’ Assistance Fund – FAT
SOURCE OF FUNDS FOR FINANCING
• Brazilian Development Bank – BNDES
• Marine Merchant Fund– FMM
• Amazon Development Fund – FDA
• General Budget of theUnion– OGU
• FINEP Resources
• Equity capital
• Centre-West Development Fund-FDCO*
(*): Exclusivo para o Estado do Mato Grosso
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• FNO – PRONAF: National Program of Familiar Agriculture
• FNO – Amazônia Sustentável: Program for financing the sustainable development of the Amazon Region
BANCO DA AMAZÔNIA PROGRAMS FOR INVESTMENT FINANCING
• FNO – Biodiversidade: Program for the Maintenance and Restoration of Biodiversity in the Amazon Region
• FNO – MPEI: Program for Financing Micro and Small Enterprises and Micro-entrepreneurs Individual
•FNO – ABC: Program for Supporting the Low Carbon Agriculture
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MODERAGRO: Program for the Modernization of Agriculture and the Conservation of Natural ResourcesMODERFROTA: Program for the Modernization of the Agricultural Tractor Fleet and Related Accessories and HarvestersMODERINFRA: Programa de Incentivo à Irrigação e à Armazenagem Programa ABC: Program for the Reduction of Greenhouse Gas Emissions in Agriculture PROGEREN: Program for Supporting the Employment and Income Generation CapacityPCA: Program for Construction and Expansion of warehousesBNDES – FinemBNDES – CerealistaBNDES – Sustentação do Investimento - PSI
OTHER PROGRAMS FOR INVESTMENT FINANCING
BNDES – Sustentação do Investimento - PSIBNDES – Automatic Rural and Non-RuralFINAME – MPME buses and trucksFINAME – MPME BKFINAME – Agricultural
PROGER – Urban
Brazilian Companies Boating and Brazilian Shipbuilding companies
INOVACRED – For processes of innovation, basic research and product , services and processes development,in enterprises
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Implementation, expansion, diversification, modernization, renovation, relocation ofenterprisesFixed and/or semi-fixed investment and working capital.
Strengthening and modernization of the productive infrastructure of the various sectors.Isolated acquisition of machinery, vehicles and / or equipment.
CREDIT’S OBJECTIVE - FNO
INVESTMENT
Agricultural and cattle breeding funding; marketing; processing; raising, breeding, fattening
Working capital
WORKING
CAPITAL
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Investment and workingcapital, and associatedcosting
Working capital andmarketing
5,30%
7,65%
4,50%
6,50%
7,06%
8,83%
6,00%
7,50%
ANNUAL INTEREST RATE - FNO
GROSS OPERATING
REVENUE UP TO R$ 90
MILLION
GROSS OPERATING
REVENUE ABOVE TO R$
90 MILLIONPURPOSE OF
LOAN
Forest
Investment and workingcapital, and associatedcosting
Working capital andmarketing
Innovation
(*) For borrowers who pay their debt installments by the due date, a 15% compliance bonus shall be applied over the financial charges.
4,71% 4,00% 4,71% 4,00%
8,24%
12,94%
8,24%
7,00%
11,00%
7,00%
11,18%
14,71%
8,24%
9,50%
12,50%
7,00%
OTHER
SECTORS
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TJLP, Variação da UMBNDES + Cesta de Moedasou Variação do Dólar Americano + Cesta de Moedas, TJ-462
0,9% a 2,5% ao ano, conforme linha de financiamento adotada
a ser negociada
0,5% ao ano
ANNUAL INTEREST RATE – OTHER SOURCES
a ser negociada
TJLP
0,5% ao ano
0,9% ao ano
a ser negociada
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TJLP + 5,00% a.a.
TJLP + 4,00% a.a.
TJLP + 5,00% a.a.
ANNUAL INTEREST RATE – FAT
Credit Line Financial Charges
PROGER - Micro and Small Enterprises TJLP + 5% p.a.
PROGER - Assoc. and Coop. TJLP + 4% p.a.
PROGER - Investment on Tourism TJLP + 5% p.a.TJLP + 5,00% a.a.
TJLP + 6,00% a.a.
PROGER - Investment on Tourism TJLP + 5% p.a.
PROGER - Self Employed Professional TJLP + 6% p.a.
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Encargo final
ao tomador de
01.01.2015até
31.12.2015
x x
ANNUAL INTEREST RATE – FDA/FDCO
xxxx
x
xxx 7,5% a.a.
8,0% a.a.8,5% a.a.9,0% a.a.
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Financial ChargesTJLP or US$+ Interest rate
Purpose of Credit
• 2,0% (Minimum)
Funding Limits
Up to 90% of eligible items of the approved
Brazilian Navigation Company: Construction cargo vessel,maritime support, support navigation or passenger transport,performed in a Brazilian shipyard; jumborization, conversion ormodernization of any type of own vessel, commercial application,industrial or extraction, performed in a Brazilian shipyard; repairany kind of own vessel, commercial application, industrial orextractive, executed in Brazilian shipyard; and acquisition and
ANNUAL INTEREST RATE – FMM
• 8,5% (Maximum)
items of the approved project
extractive, executed in Brazilian shipyard; and acquisition andinstallation of equipment in the vessel itself, performed in aBrazilian shipyard.
Brazilian Shipbuilding companies: cargo vessel production,offshore support, to support navigation or passenger transport, forthe Brazilian shipping company; craft production for export; repairof vessels; construction, expansion and modernization of itsplants; construction of new premises; and upgrading orexpanding its own facilities.
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Objectives Time Limit for PaymentFinancing Limits and
Interest Rate
To increase the competitiveness of micro, small and medium enterprises by encouraging the development of new products, processes, services
Micro and small enterprises: • From $ 150 thousand to R$ 2 millionMedium-sized enterprises:• up to R$ 10 millionUp to 96 months,
ANNUAL INTEREST RATE – FINEP/INOVACRED
new products, processes, services and fostering innovation.
Credit purpose: Intended for actions involving the whole process of innovation, basic research and the development of products, services and processes in companies.
• up to R$ 10 million
Interest rate:• North, Northeast and Centre-west: TJLP (-) 1.5% p.a *
Up to 96 months, including a grace period of up to 24
months.
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RESOURCES AVAILABLE FOR LOANS
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Realizado 2014
(R$ million)
6.077,4
Orçado 2015
(R$ million)
6.580,00
R$ 8,4
Bilhões
AVAILABLE RESOURCES TO THE AMAZON - 2015
Development credit
INVESTED FUNDS -2014 BUDGET - 2015FUND
5.356,9
720,5
1.299,8
7.377,2
5.160,00
1.420,00
1.850,00
8.430,00
(*) FAT, OGU, FDA/FDCO, FMM and OWN RESOURCESSource: Banco da Amazônia (Base: Dez/2014)
Other resources*
Short-term credit
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Acre
Amapá
Amazonas
Maranhão
Mato Grosso
Pará
361,2
258,0
980,4
-
-
1.548,0
-
-
-
220,0
330,0
-
361,2
258,0
980,4
220,0
330,0
1.548,0
45,0
15,0
150,0
90,0
105,0
556,2
406,2
273,0
1.130,4
310,0
435,0
2.104,2
RESOURCES BY STATE - 2015
DEVELOPMENT CREDIT SH O RT-TER M C R ED ITSTATE
Other resources*TOTAL
(*) As fontes BNDES e Recursos Próprios são destinadas ao Maranhão e Mato Grosso, enquanto o FDCO é exclusivo ao Mato Grosso.FAT, OGU, FDA e FMM estarão disponíveis para aplicação em toda a Amazônia Legal por demanda dos Estados.(**) Não inclui os recursos do FINEP/Inovacred, orçados em R$ 30 milhões.
Source: Banco da Amazônia (Base - Dez/2014)
Rondônia
Roraima
Tocantins
According to demand
877,2
258,0
877,2
-
-
-
-
-
870,0
877,2
258,0
877,2
870,0
94,0
12,0
71,3
711,5
971,2
270,0
948,5
1.581,5
5.160,0 1.420,0 6.580,0 1.850,0 8.430,0**
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Thank you!Thank you!