Investor Presentaiton
Annual Report
AR
2022
SUMMARY
WHO WE
ARE
OUR
STRENGTH
AND
OUR
RESOURCES
OUR
RESULTS
Agenda BC#
The second round of the Brazilian Financial
Health Index
The Brazilian Financial Health Index (I-SFB) measures various
dimensions of financial health. The I-SFB benefits various
target audiences: citizens, who can improve their decision-
making related to their financial issues; the financial system,
which can design and offer banking products more suitable
to the needs of citizens; and the public sector, which will have
precise information to develop public policies for financial
education and inclusion.
The I-SFB, developed by Febraban, with technical support
from the BCB and participation of more than 70 specialists,
is measured through a questionnaire that allows the
calculation of a score ranging from 0 to 100, to be placed in
ratings that range from "poor" to "excellent".
The I-SFB is a free tool
that provides a diagnosis
aimed at helping citizens to
improve their financial health.
In 2022, the survey identified an increase in the number of
people declaring to have a checking account, a debit card,
and a savings account. However, there was a slight decline
in the average financial health of Brazilians in the last two
years. The overall average dropped 1.2 points, going from
57.2 at the end of 2020 to 56.0 at the beginning of 2022.
This is the second edition of the survey, conducted between
January and March 2022. The sample included 4,797 people
from all five regions of the country, aged 18 and over, with
a bank account.
Guide to Excellence in the Offer of Financial
Products and Services - Credit Operations
In 2022, a new edition of the "Guide to Excellence in the
Offer of Financial Products and Services - Credit Operations"
was launched. The publication aims at disseminating good
practices of responsible credit among financial institutions,
which is essential for preventing over-indebtedness.
Providing information and guidance at the time of offering a
financial service can contribute to better informed decisions
made by consumers as they should be more aware of the
costs and risks involved in contracts.
The BCB regulates issues related to the citizen's
relationship with financial and payment institutions,
such as transparency, suitability, and fair treatment, and
provides financial education to the population through
various programs. The Guide to Excellence in Offering
Financial Products and Services seeks to complement
these initiatives by indicating best practices in credit
offering for financial institutions.
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