2013 Annual Report
EURE COMMUNITIES
TRAINING AND EDUCATION
Products and results - The Microcredit product types
comprises Individual Loans - Working Capital; Grupo
Solidário - Working Capital; Financing of Goods and
-
Services Acquisition of Fixed Assets and Remodeling;
and Refinancing.
MICROCREDIT BY SECTOR G4-FS13
Textiles
The operation boasted a record disbursement
of R$ 487 million in 2013. The portfolio1 recorded
124,000 clients and R$ 266.9 million. Timely payment
stands at around the 95% mark. Furthermore, the
R$ 2 billion mark has now been reached since the
Bank's microcredit program was launched. Santander
Microcredit operations are conducted directly with
the entrepreneur in question. G4-FS7 G4-FS13
Portfolio Amount (thousands of R$)
Clients
2011
2012
2013
2011
2012
2013
72,806
96,121
106,664
40,283
47,881
50,032
46,018
40,159
71,046
24,922
20,488
30,718
20,570
27,271
31,055
12,720
15,058
15,844
345
4,040
4,395
176
1,795
1,931
Food and beverages
Health and Beauty
Decoration
Electrical-Electronic Appliances
(Retail Stores)
1,034
2,902
3,800
590
1,320
1,587
Transport
798
954
2,023
618
654
1,028
434
1,577
1,094
204
759
435
333
545
666
153
197
213
38,087
56,417
36,336
20,285
26,061
16,718
180,425
6,510
236,496
9,907
266,986
99,951
4,019
118,232
6,293
124,799
Entertainment
Education
Other sectors
Other
Total
MICROCREDIT BY GENDER G4-FS13
Materiality and Responsibility
The "Training and Education" item, under the management of the Human
Resources Office, is important as it is extremely valuable for employees and
is regarded as essential by the other stakeholders. As one of the top banks
in the country, Santander has an impact on other companies in the sector and
their stakeholders in terms of Training and Education, and we are fully aware
of the image-related and reputational risks inherent thereto, both positive
and negative.
Another important factor is the performance management, which strives to
enhance our results by means of aligning individual objectives with the Bank's
strategy; to support the development of individuals while promoting the
continuous guidance of their performance and behavior; and to influence
employee engagement.
-
Impacts Investments in training and education drive the Organization,
departments and employees deliverables; they have an impact on engagement;
while bringing together individual objectives and the Bank's strategy; and
contribute to the Bank's results. Moreover, it strengthens the Bank's reputation,
which is acknowledged for its good benefit practices; intellectual capital in key
areas such as sustainability; and for providing opportunities for professional
development. Conversely, the absence of continuous investment in the training
and development of personnel may generate a workforce which is outdated
in relation to the competition, with a poor understanding of the strategy and
a misdirected deliverables, and as a consequence this may have a negative impact
on results.
Microcredit
Women
Men
* Existence of unidentified clients.
Portfolio Amount (thousands of R$)
Clients
2011
2012
2013*
2011
2012*
2013*
122,638
57,787
158,308
71,681
177,760
79,318
68,876
31,075
79,171
35,042
82,816
35,690
Initiatives to improve access of disabled people
to financial services G4-FS14
2,307 of Santander's branches have been adapted for the
disabled, or in other words, around 98% of our network.
By the end of 2013 45 branches still need to be adapted.
Of these, seven are undergoing work due to be completed
in May 2014 and 26 have already been concluded. Work on
four branches was cancelled as the owner of the real estate
property refused to approve the adaptations.
See further information on accessibility under Intangible Assets.
1. Considera clientes adimplentes e inadimplentes.
184 Annual Report 2013
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