Investor Presentaiton
Net income:
R$1.6B
| 2000
ROE:
14.0%
BV
banco
A financial institution
that compensates for the
CO2 emissions from financed
vehicles in Brazil.
Visit the
banco BV website
Banco BV made significant
progress in several areas of
its strategy. Its performance
demonstrates its expertise
and leadership in mature
businesses, such as used light
vehicle financing and wholesale,
as well as in segments that
contribute to the diversification
of revenues and strengthen
customer relationships,
such as financing for solar
energy and for small and
medium companies. BV ended
2021 with record net income of
R$1.6 billion and a 14% return
on equity (ROE), compared with
10% in 2020.
In the area of mature
businesses, BV's 100% digital
operations and quick automatic
responses (under a minute)
to 97% of its credit checks
helped establish the bank as
the market leader in used light
vehicle financing for the ninth
consecutive year. In insurance,
BV maintained a prominent
position as one of the largest
brokers in the country, with
more than R$1.1 billion in
premiums.
In wholesale, the bank advanced
its diversification strategy with
increased risk distribution.
The Corporate segment-
companies with annual revenues
between R$300.0 million and
R$1.5 billion-grew by 13.9%
compared with 2020 and
now represents 47% of the
wholesale portfolio. In addition,
debt issuance operations
coordinated by BV totaled a
record R$25.5 billion.
As part of the new expansion
strategies, solar panel
financing a business in
line with the sustainability
commitments of BV-grew by
181.6%. Banco Digital reached
2 million customers, 53% of
the bank's total customer base,
through a successful launch
strategy for the BV Account.
The launch of a new card
portfolio also contributed to the
growth of this business line.
Another highlight in the year
was the expansion of the
bank's portfolio in the small and
medium company segment,
strengthened by investments in
fintechs such as Trademaster.
BV also signed an important
strategic partnership with
S3 Bank, a banking-as-a-
service (BaaS) platform that
offers integrated financing and
payment solutions in a modular,
secure, and scalable manner.
BVX, the innovation business
unit, was created with the
mission of generating value
through connections with
the start-up ecosystem,
with a focus on co-creation,
development, and investment
in strategic partnerships on
three fronts: Corporate Venture
Capital (CVC) and strategic
partnerships, BV Open, and
BV Lab. On the first front, BVX
maintains partnerships with
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