Strategy and Mission, Vision and Values
Based on the principles of Transparency and Sustainability, our business is predicated on delivering superior financial solutions to our clients and on the manner in which we interact with our partners and stakeholders.
Socio-environmental issues are an integral part of our business management and are ingrained in the Organization. There is integration between various areas of the Bank, which includes identifying gaps, consolidating data, and monitoring improvements in risk management processes from the perspective of increasing the positive impact and decreasing the negative impact of credit operations, proposing action plans, and advancing the organizational topics of Sustainability, People, Diversity and Data Security.
To find out more about our Mission, Vision and Values, click on the following link: https://www.daycoval.com.br/institucional/sobre-nos/missao-valores
Ethical behavior in relations and business
The Daycoval Code of Conduct is a set of rules that govern the actions of the Bank and outline the expectations of our professionals, suppliers, and other stakeholders. Our employees are encouraged to familiarize themselves with the frequently revised Code of Conduct.
The Code is accessible via the link below: https://ri.daycoval.com.br/Arquivos/Download/2463_Conduct-Code-2023.pdf
Banco Daycoval adopts an ethical, responsible and transparent approach to business management and seeks to improve its corporate governance standards in accordance with the best market practices. The aim is to preserve the rights of its stakeholders through fair, clear and open dealings.
It strives for continuous improvement of its business practices and aligns its management, through the structuring of committees, with the principles established by the Brazilian Institute of Corporate Governance (IBGC) and the regulations applicable to its sector and external working groups.
To this end, it has put in place an efficient set of mechanisms, controls and monitoring procedures to ensure effective Corporate Governance and a transparent, collegiate decision-making process. The adoption of good Corporate Governance, based on the pillars of transparency, fairness, accountability and corporate responsibility, allows Banco Daycoval to have a better understanding of and respect for its operating environment, raising the level of trust in its external relations and with its employees, and ensuring the sustainability of its business while preserving the social and environmental order.
Committees
The committees function as advisory bodies to the Board of Directors with the intention of discussing, analyzing and evaluating the issues for which they are responsible. It should be noted that there are statutory committees, those provided for under the Company Bylaws, and non-statutory committees. The aim is for certain issues to be addressed and discussed with the necessary importance, specificity and depth by the committees responsible.
Details of the Bank's committees are available on our Investor Relations website at the following link:
https://ri.daycoval.com.br/en/corporate-governance/committees
Institutional Policies and Reports
The guidelines that govern our management, activities and business practices, as well as our relationships and conduct, can be found on the following website:
https://ri.daycoval.com.br/en/corporate-governance/institutional-policies
Sustainability Reports
Check out Daycoval's Sustainability reports:
https://ri.daycoval.com.br/pt/sobre-o-daycoval/sustentabilidade
Social-Environmental and Climate Risk Management
Internally and externally, Daycoval strives to improve its overall business in terms of sustainability. In the process of registering a credit operation, all clients are subjected to examinations of their socio-environmental aspects, first and foremost reputational at the time of registration, including lawsuits, embargoes, and slave labor lists, among others.
We then apply a specific questionnaire in line with the metrics defined in the policy for the client's relevance and proportionality.
For more details, see the Social, Environmental and Climate Risk Management Policy.
https://ri.daycoval.com.br/en/corporate-governance/institutional-policies
Client Relationship
At Daycoval, clients are a priority. We have a Client Relationship department in which we centralize all the Daycoval Group's service channels, resulting in greater agility and efficiency in responding to clients.
Among its main duties, the Client Relationship area monitors all service channels on an institutional basis, analyzing the satisfaction and loyalty of our clients in accordance with pre-established commercial policies and strategies. Among its responsibilities is to monitor, control and mitigate risks, under the terms of Central Bank Resolution 4.539, encompassing all service channels, and is responsible for drafting, implementing and training the Institutional Client and User Relations Policy.
For queries, information and doubts, our service channels are available on our Institutional website:
https://www.daycoval.com.br/atendimento
Extensive Service Network
With headquarters in São Paulo (capital), the Bank also has more than 200 service points across 21 states plus the Federal District.
https://ri.daycoval.com.br/en/about-daycoval/branches
General Data Protection Law – GDPL
Security and Integrity are some of Banco Daycoval's core values that shape the essence of our work, striving to protect our clients' data and privacy. The General Personal Data Protection Law (GDPL), as specified by Law No. 13.709 of August 2018 that came into force in August 2020, reinforces the values in which we have always believed to treat the use of the data entrusted to us with responsibility, integrity and transparency.
What is GDPL?
The GDPL establishes rules on the collection, storage, processing and sharing of users' personal data by public and private companies. The main objective is to guarantee greater security, privacy and transparency in the use of personal information.
To make a request to the Data Controller click here.
Ombudsman
The Ombudsman department aims to act independently and impartially in mediating between Banco Daycoval, clients and users of its products and services, observing consumer rights in search of satisfactory solutions and transparency in the services provided.
More information about the Ombudsman's department is available at: https://www.daycoval.com.br/institucional/ouvidoria
Reporting Channel
This channel receives reports of evidence of illegality related to the Daycoval Conglomerate.
Complaints will be dealt with independently, impartially and unbiasedly, in compliance with current legislation.
In order to respond quickly and completely to any complaints, we suggest that, whenever possible, all possible information be provided about the incident, the people or companies involved, as well as any related documents.
Complaints can be filed anonymously, but complainants who identify themselves are guaranteed confidentiality. To file a complaint click here.
Next, to register a request or complaint that does not involve suspicion of illegal acts click here to be directed to Banco Daycoval’s digital service line.
Transparency in communication and economic-financial data
We are dedicated to delivering information that aids decision-making. Our Investor Relations department is in charge of collecting and communicating information and results from the Bank to investors, capital market experts and other stakeholders.
Our Investor Relations website is available at: https://ri.daycoval.com.br/en
Daycoval has developed practices and actions that address employee well-being, health, education, diversity and social projects.
Daycoeduca Program
Aid for Undergraduate, Postgraduate, Master's, Specialization, Technical Certification Preparation Courses, Languages.
Daycovida Program
Practices focused on well-being and physical and mental health, designed to increase the productivity, satisfaction and results of all our employees.
Together for Health Program
Psychological care program in partnership with Bradesco Saúde, offers services aimed at the emotional health of Employees and legal dependents.
Daycoval Academy
E-learning platform available every day of the week to 100% of employees.
Benefits
Educational aid, medical assistance, childcare, access to cultural activities, flex-office.
Flu vaccination campaigns and breast and prostate cancer awareness campaigns (Pink October and Blue November).
Educational talks with specialized consultants on: Negotiation, Collaborative Culture, Feedback.
Accessibility
Concerned about helping people with special needs access its facilities, Banco Daycoval invests in processes, infrastructure and technology.
Physical needs
Banco Daycoval is keen to invest in adapted physical facilities. At the head office in São Paulo, for example, special parking spaces for wheelchair users have been created in the basement and tactile flooring has been installed in the entrance hall.
Special hearing and speech needs
The bank seeks to train its employees in Libras, the Brazilian sign language.
The Customer Service Center (SAC) has a support system based on data entry, ready to meet any need.
Diversity
Awareness-raising, support and concrete initiatives in favor of Diversity and Inclusion are essential for promoting an environment of equality, creativity and the growth of organizations. We experience all of these aspects on a daily basis and have received positive feedback from employees during recent surveys on the subject of Diversity and Inclusion within the Group, including various points of view.
Financial Education
We develop content and platforms to promote the conscientious use of money by the population and our employees, as well as encouraging knowledge about investments.
Educating is also one of our responsibilities. To this end, we produce a variety of financial education content for our social networks so that our clients can learn concepts that can positively influence their financial habits and decisions.
Some of the topics covered: Open Banking, PIX, Emergency Reserve, Family budget planning, Financial education for children.
Daycoval Blog
Investment, business, economics and technology news site.
To access our blog: https://blog.daycoval.com.br
Daycoval constantly develops internal initiatives to improve resource usage such as water, power and paper products.
In addition to these actions, Daycoval has set up a Social, Environmental and Climate Risk area responsible for managing and applying methodology to identify, classify, evaluate, monitor, control, report and mitigate the social, environmental and climate risk present in operations, respecting the principles of relevance and proportionality.
For Banco Daycoval, investing means believing, and this is part of our mission and our commitment to social and environmental responsibility. We support serious projects that seek increasingly sustainable development in human relations.
We receive a significant number of fundraising requests daily. We recognize the uniqueness and significance of these projects and wish to evaluate them accurately.
Currently, projects are selected that encourage intellectual and socio-environmental development, improved health and quality of life, the promotion and application of human rights, and education through the use of tax incentive laws.
Guidelines
Only projects that meet the following requirements will be eligible for selection:
Get in touch by sending an e-mail to responsabilidadesocial@bancodaycoval.com.br.
Banco Daycoval does not sponsor or link its brand to:
Projects, individuals, and/or organizations that have been implicated in embezzlement and money laundering, fraud, corruption, drug trafficking, mistreatment of people and/or animals, or any other illegal act, or that demonstrate a departure from ethical behavior and violation of human rights.
Initiatives that incite or validate any form of prejudice or discrimination, whether based on ethnicity, age, religion, ideology, gender, sexual orientation, appearance, or economic status.
Actions that promote violence, pornography, crime, smoking, illegal substances, sexuality and disregard for animals and the environment.
Banco Daycoval is proud to support projects and institutions in all areas, as we believe that collectively we can accomplish more. The objective is to construct a more equal and unified society as a group.
We are dedicated to assisting the nation's entrepreneurs. We have recently loans with official credit organizations such as the IFC - a member of the World Bank Group , Proparco and IDB Invest (Inter-American Development Bank) in order to offer working capital lines to small and medium-sized businesses in underserved regions and businesses owned by women.
Check out the news below:
- Proparco and Banco Daycoval commit to brazilian companies and green projects
https://www.proparco.fr/en/actualites/proparco-and-banco-daycoval-commit-brazilian-companies-and-green-projects
- IFC mobilizes four banks to finance Banco Daycoval and stimulate women's entrepreneurship and small- and medium-sized enterprises
https://pressroom.ifc.org/all/pages/PressDetail.aspx?ID=26666
- IDB Invest mobilizes US$ 300 million with 13 financial institutions to support women entrepreneurs and SMEs in Brazil through Daycoval
https://www.idbinvest.org/en/news-media/idb-invest-mobilizes-300-million-13-financial-institutions-support-brazils-women#port
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