The answers to the group of GRI indicators presented in this report are:

  • referred by the pages where they can be found in this document or in the 2007 Annual Report.
  • directly expressed in the tables below.
  • referred by the sections of the online version of the 2007 Sustainability Report where they can be found.

In addition to information about the reporting level (partially or fully) there is also an indication of which of them relate to compliance with the Global Compact principles. The protocols which detail the content of each indicator can be found at www.globalreporting.org, also in Portuguese.

General Indicators
Indicator GRI Description Answer Relates to Global Compact Reporting Level
Strategy and analysis
1.1 Statement of the relevance of sustainability to the organization Message from the Presidency   Fully reported
1.2 Description of the key impacts, risks and opportunities Message from the Presidency   Fully reported
Organizational Profile
2.1 Name of the organization Organization's Profile   Fully reported
2.2 Primary brands, products and services Organization's Profile   Fully reported
2.3  Operational structure of the organization Corporate Organizational Chart   Fully reported
2.4 Location of organization's headquarters Addresses and contacts   Fully reported
2.5  Number of countries where the organization operates, and names of countries that are specifically relevant to the sustainability issues International operation   Fully reported
2.6  Nature of ownership and legal form Corporate Organizational Chart   Fully reported
2.7 Markets served Organization's Profile   Fully reported
2.8  Scale of the reporting organization Organization's Profile   Fully reported
2.9  Significant changes during the reporting period regarding size, structure, or ownership Management Report   Fully reported
2.10 Awards Main Acknowledgements   Fully reported
Report Parameters
Report Profile
3.1  Reporting period for information provided January 1, 2007 to December 31, 2007   Fully reported
3.2  Date of most recent previous report Prepared in 2006   Fully reported
3.3  Reporting cycle Bradesco's Sustainability Report is published on a yearly basis   Fully reported
3.4  Contact point for questions regarding the report or its contents Addresses and contacts   Fully reported
Scope
3.5  Process for defining report content Sustainability Report   Fully reported
3.6  Boundary of the report Sustainability Report   Fully reported
3.7  Statement of any specific limitations on the scope or boundary of the report Sustainability Report   Fully reported
3.8  Basis for reporting on joint ventures, subsidiaries, leased facilities, outsourced operations, and other entities that can significantly affect comparability from period to period and/or between organizations Sustainability Report   Fully reported
3.9  Data measurement techniques and the bases of calculations Scope   Fully reported
3.10  Explanation of the effect of any re-statements of information provided in earlier reports, and the reasons for such re-statement Information referring to changes in previous years' statements accompany the new information in the respective sections or tables   Fully reported
Indicator GRI Description Answer Relates to Global Compact Reporting Level
3.11  Significant changes from previous reporting periods in the scope, boundary, or measurement methods applied in the report Scope   Fully reported
CONTENTS
3.12  Table identifying the location of the Standard Disclosures in the report Table: GRI Indicators   Fully reported
Verification
3.13  Policy and current practice with regard to seeking external assurance for the report Bradesco adopts two types of external verification in its report: data auditing, made by PricewaterhouseCoopers, and the report's assurance, made by BSD Consulting   Fully reported
Governance, commitments and engagement
Governance
4.1  Governance structure of the organization, including committees under the highest governance body responsible for specific tasks, such as setting strategy or organizational oversight Corporate Governance   Fully reported
4.2 Indication of whether the Chair of the highest governance body is also an executive officer Corporate Governance   Fully reported
4.3  For organizations that have a unitary board structure, statement of the number of members of the highest governance body that are independent and/or non-executive members Corporate Governance   Fully reported
4.4  Mechanisms for stockholders and employees to provide recommendations or direction to the highest governance body Corporate Governance   Fully reported
4.5 Linkage between compensation for members of the highest governance body, senior managers, and executives, and the organization's performance Variable compensation for members of the highest governance body, senior managers, and executives, follows economic-financial criteria. The inclusion of social-environmental criteria is being studied.   Fully reported
4.6 Processes in place for the highest governance body to ensure conflicts of interest are avoided Corporate Governance   Fully reported
4.7 Process for determining the qualifications and expertise of the members of the highest governance body for guiding the organization's strategy on economic, environmental, and social topics www.bradesco.com.br/ri/eng > Corporate Governance > Management > Board of Directors   Fully reported
4.8 Internally developed statements of mission or values, codes of conduct, and principles relevant to economic, environmental, and social performance and the status of their implementation Values and Corporate Governance   Fully reported
4.9 Procedures of the highest governance body for overseeing the organization's identification and management of economic, environmental, and social performance www.bradesco.com.br/ri/eng > Corporate Governance > Investor Information > Legal Notes and Risk Factors   Fully reported
4.10 Processes for evaluating the highest governance body's own performance, particularly with respect to economic, environmental, and social performance Corporate Governance   Partially reported
Commitment with external initiatives
4.11 Explanation of whether and how the precautionary approach or principle is addressed by the organization Committee on products and Risk Management Principle no. 7 Partially reported
4.12 Externally developed economic, environmental, and social charters, principles, or other initiatives to which the organization subscribes or endorses Sustainability View Principle no. 1 Fully reported
4.13 Memberships in associations and/or national/international advocacy organizations in which the organization: Has positions in governance bodies; Participates in projects or committees; Provides substantive funding beyond routine membership dues Regulated Activities and Partners Strategic   Fully reported
Stakeholders' engagement
4.14 List of stakeholder groups engaged by the organization Relationship with Stakeholders   Fully reported
4.15 Basis for identification and selection of stakeholders with whom to engage Relationship with Stakeholders   Fully reported
Indicator GRI Description Answer Relates to Global Compact Reporting Level
4.16 Approaches to stakeholder engagement, including frequency of engagement by type and by stakeholder group Relationship with Stakeholders   Partially reported
4.17 Key topics and concerns that have been raised through stakeholder engagement, and how the organization has responded to those key topics and concerns Relationship with Stakeholders   Partially reported

Performance Indicators
Approach on economic management Corporate strategy    
Economic Performance
EC1 Economic value generated and distributed Table: Distribution of Value Added, and Community   Fully reported
EC2 Financial implications and other risks and opportunities for the organization's activities due to climate change Businesses and climate change Principles no. 7 and 8 Fully reported
EC3 Coverage of the organization's defined benefit plan obligations Benefits   Partially reported
EC4 Financial assistance received from government Bradesco does not receive financial assistance from the government   Fully reported
Market presence
EC5 Range of ratios of standard entry level wage compared to local minimum wage at significant locations of operation Comparison of base-salaries Principle no. 6 Fully reported
EC6 Policy, practices, and proportion of spending on locally-based suppliers at significant locations of operation Bradesco has no policies or practices specific for this purpose   Fully reported
EC7 Procedures for local hiring and proportion of senior management hired from the local community at significant locations of operation Local hiring Principle no. 6 Fully reported
Indirect economic impacts
EC8 Development and impact of infrastructure investments and services provided primarily for public benefit through commercial, in-kind, or pro bono engagement Fundação Bradesco, and Finasa Esportes   Fully reported
EC9 Understanding and describing significant indirect economic impacts, including the extent of impacts Bradesco does not have a methodology to identify and describe the significant indirect impacts of its activities   Fully reported
Environmental Performance
Environmental management approach Sustainability View, and Environment    
materials
EN1 Materials used by weight or volume Bradesco Organization has no control tools to measure the total materials used   Fully reported
EN2 Percentage of materials used that are recycled input materials Environment > Environmentally appropriate materials Principles no. 8 and 9 Partially reported
energy
EN3 Direct energy consumption by primary energy source Fuel used by the own air and land fleet (gasoline, diesel, and Jet kerosene) totaled 3,222,926 liters, out of which 2,745,943 for the land fleet, and 476,983 liters for the air fleet The diesel oil used in generators totaled 134,952 liters LPG used in restaurants totaled 53,624 kg Principle no. 8 Fully reported
EN4 Indirect energy consumption by primary energy source Bradesco has no system to generate this data, since all energy used by the Organization comes from utilities, whose energy grid predominantly consists of hydropower Principle no. 8 Fully reported
Indicator GRI Description Answer Relates to Global Compact Reporting Level
EN5 Energy saved due to conservation and efficiency improvements Environment > Chart: Actions taken to reduce the consumption of energy Principles no. 8 and 9 Fully reported
EN6 Initiatives to provide energy-efficient or renewable energy based products and services, and reductions in energy requirements as a result of these initiatives Environment > Chart: Actions taken to reduce the consumption of energy Principles no. 8 and 9 Fully reported
EN7 Initiatives to reduce indirect energy consumption and reductions achieved Environment > Chart: Actions taken to reduce the consumption of energy Principles no. 8 and 9 Partially reported
Water
EN8 Total water withdrawal by source Environment > Water Principle no. 8 Fully reported
EN9 Water sources significantly affected by withdrawal of water Environment > Water Principle no. 8 Fully reported
EN10 Percentage and total volume of water recycled and reused Environment > Water Principles no. 8 and 9 Fully reported
Biodiversity
EN11 Location and size of land owned, leased, managed in, or adjacent to, protected areas and areas of high biodiversity value outside protected areas Recovered properties Principle no. 8 Fully reported
EN12 Description of significant impacts of activities, products, and services on biodiversity in protected areas and areas of high biodiversity value outside protected areas The Organization's activities have no significant direct impact on biodiversity. Indirect impacts might occur in the financed projects, which on their turn undergo a social–environmental risk analysis (see Page 17 – Responsible Credit). On the other hand, the Organization's products which support the activities of the SOS Mata Atlântica Foundation and of the Amazonas Sustentável Foundation (FAS) have a positive impact on biodiversity (see Page 11 – Amazon in Focus, and Page 70 – External actions) Principle no. 8 Fully reported
EN13 Habitats protected or restored Recovered properties Principle no. 8 Fully reported
EN14 Strategies, current actions, and future plans for managing impacts on biodiversity Amazon in Focus, and External actions Principle no. 8 Fully reported
EN15 Number of IUCN Red List species and national conservation list species with habitats in areas affected by operations, by level of extinction risk The Organization's activities are not conducted in areas which affect the IUCN Red List species and national conservation list species with habitats in areas affected by operations Principle no. 8 Fully reported
Emissions, effluents, residues
EN16 Total direct and indirect greenhouse gas emissions by weight Table: GHG, NOx, SOx Emissions Inventory Principle no. 8 Fully reported
EN17 Other relevant indirect greenhouse gas emissions by weight Table: GHG, NOx, SOx Emissions Inventory Principle no. 8 Fully reported
EN18 Initiatives to reduce greenhouse gas emissions and reductions achieved Eco-Efficiency Actions, and Environment > Controlled Emissions Principles no. 8 and 9 Fully reported
EN19 Emissions of ozone-depleting substances by weight Environment > Controlled Emissions Principle no. 8 Fully reported
EN20 NOx, SOx, and other significant air emissions by type and weight Table: GHG, NOx, SOx Emissions Inventory Principle no. 8 Fully reported
EN21 Total water discharge by quality and destination Bradesco Organization has no control tools to measure the total water discharge by quality and destination Principle no. 8 Fully reported
EN22 Total weight of waste by type and disposal method Environment > Table: Total residues amount Principle no. 8 Fully reported
EN23 Total number and volume of significant spills There have been no spills. All liquid (fuels) storage is monitored and inspected on a regular basis so as to prevent spills Principle no. 8 Fully reported
EN24 Weight of transported, imported, exported, or treated waste deemed hazardous under the terms of the Basel Convention Annex I, II, III, and VIII, and percentage of transported waste shipped internationally Bradesco Organization does not transport hazardous products Principle no. 8 Fully reported
Indicator GRI Description Answer Relates to Global Compact Reporting Level
EN25 Identity, size, protected status, and biodiversity value of water bodies and related habitats significantly affected by the reporting organization’s discharges of water and runoff There are no water bodies and/or related habitats affected by Bradesco Organization’s discharges of water and runoff Principle no. 8 Fully reported
Products and Services
EN26 Initiatives to mitigate environmental impacts of products and services, and extent of impact mitigation Sustainable Finance, and Eco-Efficiency Actions Principles no. 8 and 9 Partially reported
EN27 Percentage of products sold and their packaging materials that are reclaimed by category Environment > Discharge Control Principles no. 8 and 9 Fully reported
Compliance
EN28 Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with environmental laws and regulations Environment > Tree pruning Principle no. 8 Fully reported
Transportation
EN29 Significant environmental impacts of transporting products and other goods and materials used for the organization's operations, and transporting members of the workforce Environment > Transportation Principle no. 8 Fully reported
General
EN30 Total environmental protection expenditures and investments by type The Organization has no methods and tools to calculate these values Principle no. 8 Fully reported

Social Performance – Labor Practices and Decent Work
Social management approach Internal public    
Employment
LA1 Total workforce by employment type, employment contract, and region Total employees' distribution, and Table: Human capital indicators   Fully reported
LA2 Total number and rate of employee turnover by age group, gender, and region Table: Turnover rate Principle no. 6 Partially reported
LA3 Benefits provided to full-time employees that are not provided to temporary or part-time employees, by major operations Benefits Principle no. 6 Fully reported
Workers and Management Relations
LA4 Percentage of employees covered by collective bargaining agreements Assured Freedom Principles no. 1 and 3 Fully reported
LA5 Minimum notice period(s) regarding significant operational changes, including whether it is specified in collective agreements Internal Communication Principle no. 3 Fully reported
OCCUPATIONAL HEALTH AND SAFETY
LA6 Percentage of total workforce represented in formal joint management-worker health and safety committees that help monitor and advise on occupational health and safety programs Occupational health and safety   Fully reported
LA7 Rates of injury, occupational diseases, lost days, and absenteeism, and number of work-related fatalities by region Table: Employees off from work   Partially reported
LA8 Education, training, counseling, prevention, and risk-control programs in place to assist workforce members, their families, or community members regarding serious diseases Employees participate in programs of training, education, counseling, and prevention and control of disease risks. In the case of repetitive strain injury (RSI), we offer medical appointments and prevention tests, in addition to physical therapy, hydro-therapy and acupuncture   Fully reported
LA9 Health and safety topics covered in formal agreements with trade unions Internal Public > Collective Convention   Fully reported
Training and Education
LA10 Average hours of training per year per employee by employee category Table: Annual average hours of training of active employees   Fully reported
LA11 Programs for skills management and lifelong learning that support the continued employability of employees and assist them in managing career endings Bradesco does not have such programs   Fully reported
Indicator GRI Description Answer Relates to Global Compact Reporting Level
LA12 Percentage of employees receiving regular performance and career development reviews Internal Public  > People Management   Fully reported
Diversity and equality of opportunities
LA13 Composition of governance bodies and breakdown of employees per category according to gender, age group, minority group membership, and other indicators of diversity Human Capital indicators, and Charts: Staff ethnic breakdown and Minority groups breakdown Principles no. 1 and 6 Partially reported
LA14 Ratio of basic salary of men to women by employee category Internal Public > Table: Salary comparison Principles no. 1 and 6 Fully reported
Human Rights
Social management approach Internal public    
Management and investment practices
HR1 Percentage and total number of significant investment agreements that include human rights clauses or that have undergone human rights screening In 2007, there were no significant investment agreements that include human rights clauses Principles no. 1, 2, 4, 5 and 6 Fully reported
HR2 Percentage of significant suppliers and contractors that have undergone screening on human rights and actions taken Required commitments Principles no. 1, 2, 4, 5 and 6 Partially reported
HR3
Employees trained Training Principles no. 1, 4, and 5 Partially reported
Non-discrimination
HR4 Total number of incidents of discrimination and actions taken Cases of discrimination Principles no. 1 and 6 Fully reported
Freedom of association and collective bargaining agreements
HR5 Operations identified in which the right to exercise freedom of association and collective bargaining may be at significant risk, and actions taken to support these rights Assured Freedom Principles no. 1 and 3 Fully reported
Child Labor
HR6 Operations identified as having significant risk for incidents of child labor, and measures taken to contribute to the elimination of child labor Prevention and surveillance Principles no. 1 and 5 Fully reported
Forced and compulsory labor
HR7 Operations identified as having significant risk for incidents of forced or compulsory labor, and measures to contribute to the elimination of forced or compulsory labor Prevention and surveillance Principles no. 1, 2, and 4 Fully reported
Security practices
HR8 Percentage of security personnel trained in the organization's policies or procedures concerning aspects of human rights that are relevant to operations Prevention and surveillance Principles no. 1 and 2 Fully reported
Indigenous Rights
HR9 Total number of incidents of violations involving rights of indigenous people and actions taken No occurrences of this type were recorded in 2007 Principles no. 1 and 2 Fully reported
Society

Social management approach Community, and Government and society    
Community
SO1 Nature, scope, and effectiveness of any programs and practices that assess and manage the impacts of operations on communities, including entering, operating, and exiting New frontiers Principle no. 1 Partially reported
Corruption
SO2 Percentage of employees trained in organization's anti-corruption policies and procedures Corporate responsibility, and Table: Anti-corruption preventive monitoring Principle no. 10 Fully reported
SO3 Percentage of employees trained in organization's anti-corruption policies and procedures Corporate responsibility Principle no. 10 Fully reported
SO4 Actions taken in response to incidents of corruption Corporate responsibility Principle no. 10 Fully reported
Indicator GRI Description Answer Relates to Global Compact Reporting Level
SO5 Public policy positions and participation in public policy development and lobbying Bradesco does not have any formal policy to participate in public policy development and lobbying. Employees participate in several committees and initiatives linked to class entities, regulations and norms agencies, in addition to movements of the civil society Principle no. 10 Fully reported
Public policies
SO6 Total value of financial and in-kind contributions to political parties, politicians, and related institutions by country Corporate responsibility Principle no. 10 Fully reported
Anti-competitive behavior
SO7 Total number of legal actions for anti-competitive behavior, anti-trust, and monopoly practices and their outcomes We are not aware of legal actions for anti-competitive behavior, anti-trust, and monopoly practices in which the Organization has been identified as a party   Fully reported
Compliance
SO8 Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with laws and regulations Labor Relations   Fully reported
Product responsibility
Social management approach Clients    
Client health and safety
PR1 Life cycle stages in which health and safety impacts of products and services are assessed for improvement, and percentage of significant products and services categories subject to such procedures Twice as much attention   Fully reported
PR2 Total number of incidents of non-compliance with regulations and voluntary codes concerning health and safety impacts of products and services during their life cycle, by type of outcomes No occurrence of this type was recorded in 2007.   Fully reported
Product and service labeling
PR3 Type of product and service information required by procedures, and percentage of significant products and services subject to such information requirements The Organization's products and services comply with the regulations of bodies such as the Central Bank, CVM, ANS, Susep and Anbid. Moreover, Bradesco guides its clients about the safe use of products and services such as credit and debit cards, Internet Banking, and ATMs. More information is available at visit www.bradescoseguranca.com.br Principle no. 8 Partially reported
PR4 Total number of incidents of non-compliance with regulations and voluntary codes concerning product and service information and labeling, by type of outcomes Bradesco does not systematize this information so as to generate this data in a consistent manner Principle no. 8 Fully reported
PR5 Practices related to customer satisfaction, including results of surveys measuring customer satisfaction Ouvidoria e Qualified service   Fully reported
Communications and Marketing
PR6 Programs for adherence to laws, standards, and voluntary codes related to marketing communications, including advertising, promotion, and sponsorship The Organization's marketing and advertising actions follow the norms set forth by the Brazilian Council of Advertising Self-Regulation   Fully reported
PR7 Total number of incidents of non-compliance with regulations and voluntary codes concerning marketing communications, including advertising, promotion, and sponsorship by type of outcomes In 2007, Bradesco did not record any complaint about likely non-compliance with regulations and codes concerning marketing, advertising, promotion, and sponsorship   Fully reported
Client privacy
PR8 Total number of substantiated complaints regarding breaches of customer privacy and losses of customer data Data privacy, and Financial indemnifications   Fully reported
Compliance
PR9 Monetary value of significant fines for non-compliance with laws and regulations concerning the provision and use of products and services Financial indemnifications, and Regulated activities   Fully reported

Indicator GRI Description Answer Relates to Global Compact Reporting Level
Sector Indicators – Management approach
Impact of Products and Services
DMA 1 Description of policies with specific environmental and social components applied to business lines Responsible Credit, and Committee on products Principles no. 1, 3, 7, and 10 (*)
DMA 2 Description of procedures for assessing and screening environmental and social risks in business lines for each policy Responsible Credit Principle no. 2 (*)
Society (Community)
DMA 3 Description of processes for monitoring clients’ implementation of and compliance with environmental and social requirements included in agreements or transactions Responsible Credit   (*)
Society
DMA 4 Description of process(es) for improving staff competency to address environmental and social risks and opportunities Training   (*)
Product responsibility
DMA 5 Description of interactions with clients and other stakeholders regarding environmental and social risks and opportunities Risks and Opportunities   (*)
Sector Indicators – Performance Indicators
Impacts of Products and Services
Audit
IS 1 Coverage and frequency of audits to assess implementation of environmental and social policies and risk assessment procedures Responsible credit, International certification, and Occupational Health and Safety   (*)
Active Ownership
IS 2 Percentage and number of companies held in the institution’s portfolio with which the reporting organization has interacted on environmental or social issues Table: Number of companies with which the Organization dealt with risks and opportunities, and Social-environmental credit facilities   (*)
IS 3 Percentage of assets subject to positive and negative environmental or social screening Percentage of assets subject to positive, negative and excellence environmental control (screening) over total assets   (*)
IS 4 Voting policy(ies) applied to environmental or social issues for stocks over which the reporting organization holds the right to vote stocks or advise on voting Bradesco Organization does not have a policy to deal with this matter   (*)
IS 5 Quantitative indicator of voting practices Bradesco Organization does not have a policy to deal with this matter   (*)
Product portfolio
IS 6 Monetary value of products and services designed to deliver a specific social benefit for each business line broken down by purpose Social-environmental credit facilities   (*)
IS 7 Total monetary value of specific environmental products and services broken down by business lines Credit cards, and Responsible Investment Funds and Savings Bonds   (*)
IS 8 Percentage of the portfolio for business lines by specific region, size (e.g. micro/SME/large) and by sector Credit and development   (*)
Society (Community)
IS 9 Access to financial services in low-populated or economically disadvantaged areas by type of access Banking inclusion, and New frontiers   (*)
Society
IS 10 Initiatives to improve access for people with disabilities and impairments Accessibility   (*)
Product responsibility
IS 11 Responsibility regarding the design and sale of financial products and services Bradesco Organization does not have a policy to deal with this matter   (*)
IS 12 Initiatives to enhance financial literacy by beneficiary type Fundação Bradesco, through the Educar Bovespa program (partnership with the Bovespa) and the National Fiscal Education Program (partnership with the Internal Rev Service), strives to involve students in reflections on financial matters   (*)
  1. * The level of adherence of the sector indicators have not been evaluated, for the corresponding protocols are in a consolidation stage.

Got to page of 21