2013 Annual Report
FRUBEE PORTFOLIO
% of client portfolio per region, size and sector G4-FS6
Portfolio
per segment - page 2 of the BRGAAP Financial Statements; Portfolio per sector of activity - page 49 of the
BRGAAP Financial Statements
Amounts involved in products and services designed to deliver a specific social and environmental benefit for
each business line, broken down by purpose: G4-FS7 G4-FS8
TOTAL NET EQUITY G4-FS11
LOAN PORTFOLIO PER SECTOR OF ACTIVITY G4-FS6
2011
2012
2013
(thousand of R$)
Public Sector
191,122
% (thousand of R$)
0.10
153,846
% (thousand of R$)
0.07
%
Fund
Sustainability and Responsible Investment (SRI)
Variable Income
SRI/total variable income (%)
2011
2012
Amount (thousands of R$)
2013
5%
254,615 556,000 447,526
5,076,300 5,000,000 3,344,053
13%
11%
122,521
0.05
Federal Government
5,151
0.00
1
0.00
24
0.00
ISOCIAL/ENVIRONMENTAL LOANS G4-FS7 G4-FS8
State Government
170,248
0.09
141,517
0.07
114,311
0.05
Municipal Government
15,723
0.01
Private Sector
196,871,238
Manufacturing
28,740,521
99.90
14.58
Retail
21,786,771
Agribusiness
4,401,149
Financial Institutions
159,858
Services and Other
42,556,969
Individuals
83,645,612
Housing
Total
15,580,358
197,062,360
12,328
211,804,841
30,057,968
11.06 25,061,840
2.23 4,384,542
0.08
23,082
21.60 43,450,819
42.45 89,259,953
7.91 19,566,637
100.00 211,958,687
0.01
8,186
0.00
Fund
2.07
0.01
20.50
42.11
99.93 227,359,796
14.18 35,115,863
11.82 25,864,260
5,031,783
99.95
15.44
Production
Portfolio
2011
1,218,131
2012
Amount (thousands of R$)
2013
2,269,700 1,987,576
1,851,372 1,911,333
11.37
2.21
IPARTICIPATION IN SOCIAL AND ENVIRONMENTAL LOAN PORTFOLIO - G4-FS7 G4-FS8
CORPORATE SOCIAL/ENVIRONMENTAL
(broken down by purpose)
199,784
0.09
2013
0.9% 0.03%
46,440,650
89,707,875
9.23 24,999,581
100.00 227,482,317
20.42
Social/environmental impact on the product portfolio or segment*
3.4%
17%
21%
39.44
* The social/environmental impact was calculated taking into account the weight of the social/environmental products/sectors
versus the relevant portfolios.
10.99
100.00
MICROCREDIT PER SECTOR G4-FS13
Value of the Portfolio (thousands of R$)
2011
2012
2013
LOAN PORTFOLIO PER GEOGRAPHIC REGION G4-FS6
Textiles
72,806
96,121
106,664
2011
2012
2013
Food and beverages
46,018
40,159
71,046
33%
(thousand of R$)
Country
176,080,594
89.35
North
Northeast
3,406,232
11,390,873
1.73
5.78
Southeast
131,150,254
Midwest
7,045,636
South
23,087,599
Abroad*
20,981,766
Total
197,062,360
% (thousand of R$)
193,125,808
3,499,983
12,565,979
66.55 140,695,086
3.58 8,311,832
11.72 28,052,928
10.65 18,832,879
100.00 211,958,687
% (thousand of R$)
91.11 204,827,898
%
Health and Beauty
20,570
27,271
31,055
90.04
Decoration
345
4,040
4,395
1.65
5.93
3,402,874
13,395,388
66.38 147,881,231
3.92 8,905,653
13.24 31,242,752
8.89 22,654,419
100.00 227,482,317
1.50
5.89
Waste Reduction and Treatment
Sustainable Construction and Renovation
Electrical-Electronic Appliances (Retail Stores)
1,034
2,902
3,800
Energy Efficiency and Renewable Energy
Transport
798
954
2,023
Cleaner Production
65.01
3.91
13.73
9.96
Entertainment
Education
Other sectors
Other*
434
1,577
1,094
Corporate Governance
333
545
666
Efficient Water Consumption
38,087
56,417
36,336
6,510
9,907
100.00
Total
180,425
236,496 266,986
(1) Basically refers to offshore branch transactions - Grand Cayman
*Undentified sectors
0
29%
174 Annual Report 2013
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