Sustainability - bicbanco

40 Annual and Sustainability Report 2011
By Economic Segment By Type of Activity %
Industry Civil Construction – Contractors 8.8
Industry Sugar and Ethanol Plant 6.3
Services Medical and Dental Services 6.2
Individuals Individuals 6.1
Services Passenger and Cargo Transport 4.9
Services Technical and Professional Services 4.9
Industry Developers 3.8
Agribusiness Agribusiness 3.3
Services Companies – Holdings in General 3.0
Commerce Supermarkets and Wholesalers 2.9
Industry Metal and Mechanical Industry 2.5
Industry Meat Processing and Industry 2.5
Commerce
Vehicle Dealers
and Commerce
Industry Flour, Mix, Cake and Cookie Production 2.1
Services Public Utilities 2.1
Public Sector Government 2.0
Services Rental Services in General 2.0
Services Energy Distribution 1.8
Industry Production of Pipes and Iron Artifacts 1.6
Industry Chemical and Petrochemical Industry 1.6
Industry Pulp and Paper Production 1.4
Industry
Industry
Production of Compost,
Fertilizers and Insecticides
Production of Vehicles,
Chassis and Others
Industry Building Materials Industry 1.1
Services Primary, Secondary and Higher Education 1.1
Industry Drinks in general 1.2
Commerce Other chemical products 1.0
Commerce Medication 0.7
Commerce Oil derivatives 0.6
Industry Tobacco 0.5
Other Economic Segments Other Economic Segments 19.3
Total 100.0
Products that can cause damage to physical or psychological integrity 0.79
Fossil fuels whose burning contributes to climate changes 2.49
2.3
1.2
1.2
Diversification is also reflected in maintenance of appropriate
levels of risk, both for individuals and for
larger borrower groups. At the end of 2011, the largest
debtor accounted for just 1% of the total portfolio,
and the group of the hundred largest debtors
answered for 31.2%.
The Bank also actively participates in foreign trade. Financing
for exports and imports currently represents
around 20% of total credit operations.
The business portfolio has traditionally had a short
term profile: 72.2% of credit is due within 12
months. Of this total, 37.6% (or BRL4,342.6 million)
of credit operations were due within 90 days at the
close of 2011. The duration of the credit portfolio was
274 days. The bad debt loss provision was 29.2%
higher than in 2011, reaching BRL565 million. These
provisions support a coverage rate of 184.5% over
the total payments 15 days past due, which totaled
BRL306.2 million on December 31, 2011 (2.6% of
the total credit portfolio).
As in previous years, the Bank did not discontinue
any business or products. Throughout 2011, credit
operations were granted without recourse of the
bank, based on the accounting amount of credit operations,
which totaled BRL134.1 million. Based on
the accounting amount of credit operations, BRL17.8
million was granted to institutions that were not National
Financial System members.