Investor Presentaiton

Annual Report AR 2022 SUMMARY WHO WE ARE OUR STRENGTH AND OUR RESOURCES OUR RESULTS National Financial Stability arrangement. For the payment institutions not subject to authorization by the BCB, but that integrate the SPB due to their participation in the Pix, the proportional supervision has a specific methodology. This methodology was applied simultaneously to 53 unauthorized payment institutions. Furthermore, supervision procedures were improved, and face-to-face actions were carried out in all the payment arrangement providers, to promote harmonization of concepts, gathering of information, and full adaptation to the rules in force. Advances in the automation of the on-site supervision process Throughout 2022, further progress was made in the automation of the on-site supervision process of non- banking institutions. To build up a complete inspection roadmap, automatable questions were mapped from the areas of internal control, integrated risk and capital management, and treasury; as well as for the economic and financial situation of credit fintechs. The application for text summarization through natural language processing techniques was improved by the incorporation of a very advanced algorithm, although still limited to texts of up to 512 words. Also, the first version of the application for on-site supervision of the credit fintech segment was implemented, which will be expanded to the analysis of other segments. The developed applications aroused great interest from the international supervisory community, being the object of a presentation at a BIS event and of individual presentations to the European Central Bank (ECB), the Monetary Authority of Singapore (MAS) and the IMF. 76

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