2016 Annual Report - dezembro 31, 2016

Articles

Who We Are

TOTAL FUNDING & LIQUID ASSETS*

Message from Management

Macroeconomic Scenario

Funding and Institutional Relations

Treasury

Risk Management

Corporate Governance and People

General Shareholders’ Meeting

Financial Statements

with Independent Auditor’s Report

2. PRESENTATION OF THE FINANCIAL STATEMENTS AND CONSOLIDATION CRITERIA

1. OPERATIONS

3. SUMMARY OF SIGNIFICANT ACCOUNTING PRACTICES

3. SUMMARY OF SIGNIFICANT ACCOUNTING PRACTICES (CONTINUED)

5. SHORT-TERM INTERBANK INVESTMENTS

5. SHORT-TERM INTERBANK INVESTMENTS (CONTINUED)

Gains on marketable securities in the Bank and Consolidated Operating statements are as follows:

6. MARKETABLE SECURITIES AND DERIVATIVE FINANCIAL INSTRUMENTS (CONTINUED)

7. LOANS, SURETIES AND GUARANTEES

7. LOANS, SURETIES AND GUARANTEES (CONTINUED)

The allowance above is presented in the Consolidated Operating balance sheets as follows:

7. LOANS, SURETIES AND GUARANTEES (CONTINUED)

8. FOREIGN EXCHANGE PORTFOLIO (BANK AND CONSOLIDATED OPERATING STATEMENTS)

7. LOANS, SURETIES AND GUARANTEES (CONTINUED)

10. DEPOSITS (CONTINUED)

11. REPURCHASE AGREEMENTS

10. DEPOSITS (CONTINUED)

12. FUNDS FROM ACCEPTANCE AND ISSUE OF SECURITIES AND REAL ESTATE BILLS

13. BORROWINGS AND ON- LENDING

15. EQUITY

15. EQUITY (CONTINUED)

20. DERIVATIVE FINANCIAL INSTRUMENTS

19. SIGNIFICANT TRANSACTIONS WITH RELATED PARTIES (CONTINUED)

20. DERIVATIVE FINANCIAL INSTRUMENTS (CONTINUED)

21. RISK MANAGEMENT

20. DERIVATIVE FINANCIAL INSTRUMENTS (CONTINUED)

21. RISK MANAGEMENT (CONTINUED)

22. OPERATING LIMITS

23. INCOME AND SOCIAL CONTRIBUTION TAXES

23. INCOME AND SOCIAL CONTRIBUTION TAXES (CONTINUED)

24. PROVISIONS AND LIABILITIES FOR LEGAL OBLIGATIONS

24. PROVISIONS AND LIABILITIES FOR LEGAL OBLIGATIONS (CONTINUED)

26. OTHER INFORMATION

27. SUBSEQUENT EVENTS