Atendimento
Confidence Câmbio

Financial Statements

WHAT WOULD YOU LIKE TO KNOW?

OPERATIONAL RISK
Operational risk is defined as the possibility of losses due to failure, deficiency or inadequacy of internal processes, people and systems, or from external events.
The Operational Risk Management and Control Methodology used by Confidence Group aims to ensure that:
This definition also includes legal risk associated with inadequacy or deficiency in contracts entered into by the financial institution, as well as penalties due to noncompliance with legal provisions and indemnities for damages to third parties arising out of activities developed by the institution itself.
Confidence Group Operational Risk management framework provides for the identification, assessment, monitoring, control and action plans to mitigate operational risks.
Under their Operational Risk Management Policy, Confidence Group has established the roles and responsibilities of the Group’s areas of relationship and commitment to the immediate correction of identified risks.

The Operational Risk Management and Control Methodology used by Confidence Group aims to ensure that:
– The control structure is constantly revised, taking into account the risks in business processes, minimizing costs linked to uncontrolled risks and / or to unnecessary control activities;
– The objectives of the risk management process and the roles, functions and responsibilities assigned to various levels of the institution are understood by all staff;
– The areas understand the role, objectives, functions and responsibilities in the  Risk and Internal Controls area, as independent control tools created within the institution; and,
– The strategic objectives of the Confidence Group are met.

MARKET RISK
Market Risk is the possibility of losses resulting from fluctuations in the market values of positions held by the Confidence Group. The main market risks to which the Confidence Group is exposed are:

SOCIAL AND ENVIRONMENTAL RISK

Social and environmental risk is the possibility of losses arising from social and environmental damage.

PRSA - Política de Responsabilidade Socioambiental
PRSA - Política de Responsabilidade Socioambiental
prsa-politica-de-responsabilidade-socioambiental.pdf
1.1 MB
201 Downloads
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LIQUIDITY RISK
It is the occurrence of imbalances between tradable assets and enforceable liabilities – “mismatching” between payments and receipts – which may affect the payment capacity of the Confidence Group, taking into consideration the different currencies and settlement terms of their rights and obligations.


Risk Management Report

Circular 3678 - Setembro 2016
Circular 3678 - Setembro 2016
Relatorio_3-678_Setembro_2016.pdf
646.1 KB
86 Downloads
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Circular 3678 - Junho 2016
Circular 3678 - Junho 2016
Circular_3678_2016-06.pdf
652.9 KB
205 Downloads
Details
Circular 3678 - Março 2016
Circular 3678 - Março 2016
Circular_3678_2016-03.pdf
567.1 KB
228 Downloads
Details
Circular 3678 - Dezembro 2015
Circular 3678 - Dezembro 2015
Circular_3678_2015-12.pdf
696.0 KB
217 Downloads
Details
Circular 3678 - Setembro 2015
Circular 3678 - Setembro 2015
Circular_3678_2015-09.pdf
410.5 KB
185 Downloads
Details
Circular 3678 - Junho 2015
Circular 3678 - Junho 2015
Circular_3678_2015-06.pdf
505.7 KB
163 Downloads
Details
Circular 3678 - Março 2015
Circular 3678 - Março 2015
Circular_3678_2015-03.pdf
265.3 KB
170 Downloads
Details
Circular 3678 - Dezembro 2014
Circular 3678 - Dezembro 2014
Circular_3678_2014-12.pdf
264.7 KB
172 Downloads
Details
Circular 3678 - Setembro 2014
Circular 3678 - Setembro 2014
Circular_3477_2014-09.pdf
666.7 KB
157 Downloads
Details
Circular 3678 - Junho 2014
Circular 3678 - Junho 2014
Circular_3678_2014-06.pdf
680.0 KB
161 Downloads
Details
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Banco Confidence de Câmbio S/A, the leading company of the financial conglomerate that consolidates its own opeations and Confidence Brokerage Exchange operations, in compliance with what was established by the CMN (National Monetary Council), through CMN Resolution 3.988 of June 30, 2011, as well as supplementary rules of the Central Bank of Brazil, implemented its Capital Management Structure. This structure is compatible with the nature of operations and the complexity of the products and services and the extent of their exposure to risks in operations carried out by the group, aiming to control and forecast the Reference Equity, as well as the Required Reference Equity, over a three-year scenario.
In order to operationalize said management, the bank acquired from a specialized risk management and capital supplier a system that allows for the import of balance sheets and operating limits reports, accreditation of economic and financial parameters and strategic planning, the final product of which is the projection of trial balances, balance sheets, statements of income, cash flow statements, operational limits statements for a thirty-six months scenario, allowing for the comparison of what was forecast with what was accomplished, both in terms of financial statements and operational limits statements, providing for those in charge of capital management with, a report and charts which help in the decision making process of the group’s board, including through stress scenario analysis and monitoring of the capital needed to cover the risks taken. Information is available for those responsible for capital management, the group’s board of directors, internal and external auditors, as well as for the Central Bank of Brazil.

Selecione o ano

Conglomerado Prudencial  1º semestre de 2014
Conglomerado Prudencial 1º semestre de 2014
conglomerado_1_semestre_2014.pdf
286.0 KB
229 Downloads
Details
Conglomerado Prudencial  1º semestre de 2015
Conglomerado Prudencial 1º semestre de 2015
conglomerado_1_semestre_2015.pdf
253.5 KB
535 Downloads
Details
Conglomerado Prudencial 1º Semestre 2016
Conglomerado Prudencial 1º Semestre 2016
conglomerado_1_semestre_2016.pdf
Version: 2016
155.8 KB
262 Downloads
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Conglomerado Prudencial  2º semestre de 2014
Conglomerado Prudencial 2º semestre de 2014
conglomerado_2_semestre_2014.pdf
404.4 KB
40 Downloads
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Conglomerado Prudencial 2º Semestre 2015
Conglomerado Prudencial 2º Semestre 2015
conglomerado_2_semestre_2015.pdf
725.1 KB
397 Downloads
Details