Part II

FEBRABAN maintains a trajectory marked by transformational projects in search of solutions for the evolution of the National Financial System (SFN) and Brazil’s sustainable growth

As a non-profit organization, located in the city of São Paulo, the Brazilian Federation of Banks (FEBRABAN) is the main entity representing the industry. Its membership includes 118 financial institutions, which account for 97% of the net worth and 98% of total assets of the entire segment in Brazil. GRI 102-1  | 102-4  | 102-5  | 102-6  | 102-7

FEBRABAN ended 2018 with a staff of 124 employees, in addition to six interns/apprentices and 13 outsourced professionals. Its structure includes seven executive boards, consisting of professionals working closely with representatives of banks and financial institutions. GRI 102-7  | 102-8

It is noteworthy that FEBRABAN has 376 registered suppliers, which include service agreements (consulting, advisory and auditing), and supply of goods and materials for all its business areas. The majority of these companies are Brazilian and are located in São Paulo, Rio de Janeiro and Brasília. GRI 102-9

FEBRABAN permanent objectives include representing its associates at all levels of government, interacting with authorities and institutions in drafting legislation and improving the regulatory system, developing initiatives to improve the productivity of the banking sector as well as directing efforts to provide the population with access to financial products and services, thus helping to strengthen Brazil’s market and growth. GRI 102-6  | 102-16

FEBRABAN is committed to ethical principles and integrity and maintains a program for ensuring compliance with Brazil’s antitrust legislation aiming to raise the awareness of our associates and employees as to the importance of compliance in preventing crimes against the economic system and their adverse consequences. The full text of the document is available at , at FEBRABAN, Fostering Competition. GRI 102-16  | 103-2  | 103-3: Ethics and Integrity


Contribute to the economic, social and sustainable development of the Country, representing its members and fostering the continuous improvement of the financial system and its relations with society.


Maintain a healthy, ethical and efficient financial system – an essential condition for the Country’s economic, social and sustainable development.


  • Promote ethical, moral and legal values
  • Recognize people, work and entrepreneurship
  • Encourage civic practices and socio-environmental responsibility
  • Act with professionalism and transparency
  • Encourage dialog, respect and transparency in our relations with customers and society
  • Value diversity and social inclusion
  • Producing studies and technical notes on draft legislation to be voted in Congress
  • Coordinating judicial initiatives for the defense of the sector
  • Positioning itself in the media on topics of interests to members
  • Representing the sector before national and international entities and authorities
  • Drafting regulatory proposals to ensure systemic efficiency and mitigate risks
  • Disclosing information on banking products and services
  • Coordinating studies, research and initiatives to improve the image of the industry, service and relations with consumers
  • Implementing and managing bank self-regulation
  • Implementing social responsibility, sustainability and social inclusion actions
  • Training of associates
  • Negotiation of the industry’s collective bargaining agreement
  • Holding events of interest to members and society
Demandas e compromissos
Main entity representing
the banking sector,
FEBRABAN acts as the
intermediary between different

FEBRABAN's strategic planning involves decisions on themes, projects, budgets and goals to be approved by the Board of Directors.

Five strategic themes were prioritized for FEBRABAN's work in 2019:

Temas estratégicos

In addition, the strategic planning for 2019 includes six other relevant themes:

  • Banking self-regulation
  • Quality of banking services/Customer relations
  • Prudential regulation
  • Labor relations
  • Sustainability/Social and environmental responsibility
  • Economic plans and indexation

It is noteworthy that projects are prioritized based on four criteria: strategic alignment, benefits, requirement and implementation complexity.

Once the targets for FEBRABAN and its internal departments have been set, they are approved by the Executive Board and the Board of Directors. The Planning and Project Management Board monitor the evolution of the project portfolio and the attainment of goals.

In this process, there are two types of targets:

  • Quantitative: evaluated through satisfaction surveys (conducted by an independent consulting firm) with members of technical committees, the Executive Board and users of services provided by FEBRABAN and related institutions.
  • Quantitativas: based on objectively observable results and evaluated by the internal department, reviewed by the Planning and Project Management Board and approved by the Executive Board and the Board of Directors.

Throughout 2018, opportunities were explored for enhancing FEBRABAN's strategic planning process.

The proposal has been prepared based on a benchmarking study of banks and associations, takes into account interviews with selected stakeholders from the financial and other economic sectors, and seeks the definition of themes for FEBRABAN's action on a four-year horizon.

Approved by the Executive Board and the Board of Directors, the new model will be implemented as of the first quarter of 2019, with a view to the strategic planning of 2020–2023.

FEBRABAN is a member of national and international associations and organizations related to its business sector and/or maintains partnerships and commitments aimed at defending common themes. Among them, the following institutions should be mentioned.

  • Latin American Federation of Banks (FELABAN), in which it represents the Brazilian financial sector, the largest in the region, on several committees.
  • Management Committee of the Pro-Ethics Company Register, which is responsible for analyzing applications for the inclusion of companies in the register and deliberating on admissions, as well as updating the affiliation requirements.
  • National Committee on Financial Education (Conef), whose objective is to define plans, programs and actions and to coordinate the implementation of the National Financial Education Strategy (Enef).
  • National Strategy to Combat Corruption and Money Laundering (Enccla), which is the main action network for discussions with different organs from different spheres to formulate public policies aimed at combating these crimes.
  • Institute of International Finance (IIF), which brings together representatives from the financial industry, insurance companies, law firms, consultancies and regulators, among others, from every country in the world.
  • International Banking Federation (IBFED), which brings together banks from Europe, Asia, Africa, Oceania, North America and South America – Brazil is the only country invited to participate in this federation.
  • Sustainable Banking Networking (SBN), an organization consisting of banking associations/federations and central banks of emerging countries.
  • United Nations Environment Program/Finance Initiative (Unep/FI), a program in which FEBRABAN acts as a supporting federation.
  • Brazilian Association of Financial and Capital Market Entities (Anbima), which brings together various institutions such as banks, asset managers, brokers, distributors and administrations.
  • Brazilian Support Service for Micro and Small Enterprises (Sebrae), whose activities include planning, coordinating and advising on technical programs, projects and activities to support micro and small enterprises, in accordance with the national development policies, particularly those related to the industrial, commercial and technological areas.

FEBRABAN shares knowledge and states its position on subjects of interest to financial institutions and its stakeholders by using internet portals and other information and interactive channels, participating in and/or holding events, conducting and disseminating banking sector statistics, among others.

FEBRABAN's CIAB is recognized for the debate on important themes, such as disruptive technologies, digital information and the future of the financial system, as well as the launch of innovations aimed at simplifying banking transactions and providing customers with greater convenience, practicality and security.

Focusing on “Exponential Intelligence” as the main theme, CIAB FEBRABAN 2018 addressed how artificial intelligence, machine learning, blockchain and the internet of things have caused continuous changes in social behavior, and how these technologies could generate disruptive products and solutions for the banking sector to assist an increasing number of technology-oriented customers.

  • Ícone representando pessoas.
    CIAB 2018 set a record: more than 23 thousand visitors, 3,510 delegates and 384 speakers discussing the banking sector’s digital transformation

Part of the event was the Fintech Day, a competition whose objective is to identify startups that have the synergy and the potential to collaborate with banks, insurance companies and financial institutions. In 2018, FinTechs and InsurTechs (designed to reduce costs and increase efficiency in the insurance sector) participated with a total of 101 and 22 companies enrolled, respectively, out of which 14 and three, respectively, were selected to be part of the competition.

Another highlight is the 2nd Hackathon CIAB, a programming marathon aimed to encourage entrepreneurs to develop innovative solutions for the Brazilian banking market. With the challenge of “Small Business Financial Inclusion”, the second edition had more than 400 enrollments, with 110 programmers selected to participate in the event.

Meetings, such as the Customer Relations Seminar (Semarc), the International Risk Management Conference and the Anti-Money Laundering and Financing of Terrorism Conference are becoming known, year after year, as some of the most important events of their segments, thus attracting a specialized and diversified audience.

  • Ícone representando banner.
    Artificial intelligence is the basis of many technologies that banks intend to enhance in 2019. From chatbots to blockchain, innovations should be reflected in the improvement of customer experience in short term

In 2018, FEBRABAN held 46 events, with 28,254 attendees, an increase of 3.6% over the previous year, thus contributing to strengthening our image and the industry we represent.

FEBRABAN is constantly working to achieve the best results. Once the event has ended, we conduct interactive surveys among attendees or use apps to obtain feedback on their perceptions of the technical content of the panels and the organization, and to plan improvements for future events. In 2018, the survey reported a 97.7% level of satisfaction (outstanding, exceeded or met expectations). GRI 102-43  | 102-44

In 2018, the impact of FEBRABAN's events in the media increased 51% in relation to the previous year, rising from 1,019 to 1,545 insertions.

Also noteworthy is the dissemination of topics of interest to banks and society in general through workshops with journalists, press conferences, advertising campaigns, social networks, and interviews, among others, aiming to strengthen the image of the industry, provide for particularities and respond to frequent questions.

In 2018, among the most far-reaching campaigns are the implementation of a new collection platform, adherence to the agreement on economic plans, the use of overdrafts and the release of the book How to lower interest rates in Brazil (Como fazer os juros serem mais baixos no Brasil), which were published by the press and on social networks.

  • Ícone representando banner.
    FEBRABAN created profiles on Twitter and YouTube, and also redesigned and strengthened its presence on Facebook and LinkedIn by sharing topics, videos and presentations aimed at both the general public and professionals with a deeper understanding of the sector