An exercise in dialogue and transparency with our stakeholders
¡Juntos podemos!
INTEGRITY AND GOOD GOVERNANCE
- Assembly: 56 members. Annual meetings.
- Board of Directors: 9 active members. Monthly meetings.
- Steering committee: 6 directors and 4 staff leaders.
- Board of Director Committees
- Finance and Risk.
- Sustainability and Human Resources.
- Ethics and Auditing.
- Technology and Digital Transformation
- Internal Control System:
- Steering Committee.
- Statutory Auditor: Ernst & Young Audit S.A.S. EY.
- External audit: Price Waterhouse Coopers (Pwc).
- Corporate bylaws
- Code of good governance.
- Code of ethics.
- We strengthened our internal control system in the SAGRILAFT and PTEE models, raising its status to "Reliable" and risk level to "Low".
Economy with a social purpose
2024
Figures expressed in dollars
MANAGEMENT
Comprehensive Risk Management
- The credit risk management system (SARC) and operational risk management system (SARO) were updated.
- Operational risks were identified in 100% of the processes.
- Strengthening of Internal Control: The internal control system in the SAGRILAFT and PTEE models was elevated to a "Reliable" status with a "Low" risk level.
- Key Indicators
- Credit Risk Management Indicator (ICCV): 18.05%
- Portfolio Provision Coverage: 79.92%
- SAGRILAFT System Queries: 137,368