Sustainability - bicbanco

30 Annual and Sustainability Report 2011
Plano de Continuidade Operacional – PCO
(Operational Continuity Plan)
Determines all procedures that should be followed for
asset contingencies that support each stage of the
business process. Its goal is to restrict downtime and
therefore lessen potential direct or indirect impacts
on business.
Plano de Recuperação de Disastres – PRD
(Disaster Recovery Plan)
Provides guidance on how to reestablish the environment
and original conditions of operation as fast as
possible and highlights initiatives related to the alternative
workplace in order to guarantee the continuity
of operations. The PRD lists all initiatives that the
professionals at the Bank shall adopt to recover and
restore the functionality, from all support assets to
the business processes that were affected. Furthermore,
it details measures for activating contracted
resources as a guarantee or manual processes in the
case of information system failure.
Asset and liability term
structures are maintained
to guarantee prudent
administration of cash flow
liquidity risk.
MARKET RISK GRI DMA SO – Compliance
The Bank has policies that cover strategic guidelines
for managing this risk and decision making procedures.
In sync with the Bank’s policies and best market
practices, the standards combine quantitative
factors – such as reference parameters and measurements
for interest rate risk – and qualitative aspects,
including a hedge policy, management scope and
segregation of functions.
This model covers all portfolio assets and liabilities.
Because they comply with regulatory standards, market
risk management policies have become vital tools
to enhancing the use of capital, reaching the best risk/
return relationship and identifying business opportunities.
As a practice, BICBANCO only operates in legally
authorized markets and uses instruments that ensure
liquidity. This strategy prevents price distortions that
may compromise Bank results.
The Bank has an Executive Treasury Committee,
which accounts for strategic decisions and the Contingency
Policies, in addition to regularly assessing liquidity
limits and, because of their importance, stress
models. This body is responsible for setting minimum
limits for cash and concentration of liabilities and for
guaranteeing resources to meet demand in various
scenarios (historical or projected). Asset and liability
term structures are also maintained to guarantee prudent
administration of cash flow liquidity risk using
the following tools:
Term mismatch maps
Short, medium and long-term liquidity projections
Stress test
Liquidity risk limits
Liquidity contingency plan