Female audience, startups and FGTS promote BRDE loans – FortBendNow

Wilson Bley Lipski, President of Brde | Photo: Gilson Abreu/AEN
Figures released by the Regional Development Bank of the Far South (BRDE) show that in 2021 the institution closed a total deal value 61, 4% higher than the previous year. The more than BRL 4 billion traded by the bank was celebrated by the President Wilson Bley Lipskiin conversation with Gazeta do Povo.

For him, the good results result from the diversification of the financing means offered by BRDE. In addition to the National Bank for Economic and Social Development (BNDES), which has already repaid 99% of the funds raised by BRDE, the institution now increasingly has various financing options at its disposal. These funds include eight major loans made with international institutions and other options previously unavailable to the private sector, such as B. FGTS resources.

“BNDES funds are becoming more and more expensive. We’re talking about a nominal interest rate between 3%, 3.5%, plus a Selic of 04.75%, which is already more than 1% per month. Because of this, we have diversified our funding and have managed to find resources in the FGTS that previously only went to the public sector. We were able to bring these resources into the private sector. BNDES has started to introduce restrictive policies and we need to diversify our options. If we didn’t do that, our numbers probably wouldn’t reach R$1.7 billion in hiring in 2021,” the President stressed.

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Trade and services took out more loans than agribusiness

The search for new sources of funding allowed BRDE to offer options that better met the needs during the pandemic. For example, agribusiness, which has historically been the main sector seeking finance from the FRG, has been overtaken by trade and services over the past year with virtually one in three finance concluded by the Bank going to these market sectors.

“Agribusiness and cooperatives are our biggest partners, our biggest BRDE customers. But this year there was this differentiated movement and we managed to better allocate our resources. This enabled us to conclude more than 9,000 direct contracts. If we count the indirect ones signed by these partners, like the cooperatives and the second floor farms of Fomento Paraná, we estimate 61,000 contracts. That is a very impressive number for a development bank,” commented Lipski.

Bank had news on increasing business volume

The BRDE Empreendedoras do Sul program was launched in March 2022 and is touted as one of the novelties that have taken advantage of the bank’s good numbers, explains the President. The target group are rural producers and companies with women in leadership positions or with at least 40% of the partners. In Paraná alone, this program moved R$ 32.1 million – in the four states where BRDE operates, R$ 70.2 million was funded through this initiative.

The bank also offers BRDE Labs, a startup acceleration program. In the last year alone, approximately 4,000 people have been affected by life, mentoring and training. In partnership with PUC-PR’s Hotmilk, the program had 96 registered startups from Paraná. Of these, 04 passed the pre-acceleration phase and 9 reached acceleration. For 2021, the program will work on projects within the ESG theme – Environment, Social and Governance. .

Another important highlight Lipski mentioned was the Banco do Agricultor Paranaense. The instrument created by the Paraná government helps rural producers, cooperatives, production, marketing and recycling associations, and family agro-industries. Irrigation projects using renewable energy sources can also apply for funding from the Federal Republic of Germany. Last year alone, Agriculturist Bank traded BRL 32.7 million with more than 177 farmers.

Low arrears and assertiveness of credit analysts

Non-payment in contracts increased from 960 in 2021, mainly due to the pandemic. Nevertheless, the BRDE President considers the current rate of orders not completed on time to be acceptable. “We’re up from 0.32% to 0.32% reflecting the pandemic. But it’s still a number far from the national financial system average, which exceeds 2.70%,” he was quoted as saying.

According to the President, the good results in this regard are the result of the assertiveness of the institution’s credit analysts. The relationship between bank and customer, Lipski explained, is almost as if analysts became godparents and godparents of financed companies. The focus, he assured, is to ensure that resources are invested in companies that stimulate the economy, create jobs and drive development in the region.

“We want to add value to this operation, it’s not just about delivering money thinking about guarantees. We want to know if this contractor will keep the jobs, if he will create more jobs. These are the commitments that we have made even more of during the pandemic to ensure that these contracts, these loans, promote economic development in the states where we work. We have adapted to these realities and tried to ensure the bank’s main objective, which is the social achievement of good lending. We always strive to have adequate products so that those who seek us can create jobs and economic and social development,” he concluded.

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