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Annual Report AR 2022 SUMMARY WHO WE ARE OUR STRENGTH AND OUR RESOURCES OUR RESULTS INCLUSION Agenda BC# This section reports actions and results that contributed, in 2022, to the achievement of the strategic objective: "Facilitate access to financial markets." These strategic actions were conducted under the directives of the Inclusion dimension of the Agenda BC#. Financial inclusion is the process by which individuals have effective access to financial services provided by financial institutions, such as credit, savings, payments, insurance, pension plans, and investments. In this dimension, the initiatives aim to facilitate the access of all to the financial market, covering small and large users, investors and borrowers, Brazilians, and foreigners. They aim to simplify procedures and cut red tape to facilitate the entry of new participants. When procedures are simplified within the SFN, there is an increase in efficiency. This means that the routines of financial institutions are simplified and become more agile. The costs of operations required for financial products and services to be offered to the population are reduced. In addition, new institutions, with fewer resources or with differentiated performance proposals, are also allowed to participate in the SFN, thus increasing competition. Reduction in transaction costs and increase in competition favor the reduction of fees or interest rates charged for the services offered. Furthermore, when operations are simplified, a part of the population that did not previously participate in the financial market becomes interested in % Bureaucracy $ $ % BC# #inclusion the facilities offered. Facilitating access and reducing costs are initiatives that favor Inclusion. Learn more. Financial market T $ Difficulty of access $ Bureaucracy ?? 90

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