{"id":6890,"date":"2025-11-26T19:00:55","date_gmt":"2025-11-26T19:00:55","guid":{"rendered":"http:\/\/213.146.202.110\/?page_id=6890"},"modified":"2026-09-03T14:57:03","modified_gmt":"2026-09-03T14:57:03","slug":"sustainability","status":"publish","type":"page","link":"https:\/\/www.finantia.com\/en\/sustainability\/","title":{"rendered":"Sustainability"},"content":{"rendered":"\t\t
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Sustainability<\/h1>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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At Banco Finantia<\/strong>, we guide our activity by principles of responsibility, sustainability, inclusion, respect, innovation, and integrity, incorporating these dimensions into the way we relate to clients, employees, and society.<\/p>\n

We recognize that environmental, social, and governance (ESG) factors<\/strong> pose structural challenges to the sustained growth of the global economy, influencing people\u2019s well-being, the resilience of companies, and the capacity for regeneration of natural capital. These dimensions therefore play a relevant role in the creation of long-term value. <\/p>\n

The work carried out by the Intergovernmental Panel on Climate Change has been the basis for international agreements, such as the Paris Agreement, which aim to address the challenges of climate change and support the transition to a more sustainable society.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Environmental (E)<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Environmental impacts of economic activity, including climate risks and natural resource management<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Social (S)<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Social and labor practices, data protection, and relationships with customers and stakeholders<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Governance (G)<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Governance structure, ethics, conduct, and control mechanisms<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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ESG Commitment<\/h2>\n

Banco Finantia <\/strong>follows the growing relevance of ESG topics in the economic and financial context, seeking to promote awareness of the integration of these factors into decision-making processes and the development of financial solutions associated with environmentally and socially responsible activities.<\/p>\n

This approach seeks to balance financial performance with sustainability considerations from a medium- and long-term perspective.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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A long-term sustainable approach<\/h2>\n

The consideration of sustainability factors may influence the assessment of risks and opportunities and the performance of companies over time, contributing to sustainable growth in environmental, social, and governance dimensions.<\/p>\n

In this context, the integration of these factors into processes such as investment analysis, portfolio construction and review, and portfolio management guidance constitutes an additional element supporting decision-making, including attention to aspects of health, safety, and human rights at work, as well as to the impact of economic activities on communities.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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What is sustainable investment?<\/h2>\n

Under the Sustainable Finance Disclosure Regulation (SFDR)<\/strong>, a sustainable investment is considered to be an investment in economic activities that contribute to environmental or social objectives, including the promotion of social cohesion, labour relations, and the development of less-favoured communities.<\/p>\n

These investments assume that the financed activities do not cause significant harm to other environmental or social objectives and that the beneficiary entities adopt good governance practices.<\/p>\n

The diversity of criteria and methodologies has reinforced the need for greater transparency and consistency in the classification of these investments, helping to mitigate the risk of greenwashing<\/em><\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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What is the SFDR Regulation?<\/h2>\n

The Sustainable Finance Disclosure Regulation (SFDR),<\/strong> developed by the European Commission, aims to harmonize concepts and definitions and promote clearer<\/strong>, more comparable, and more consistent disclosure of sustainability-related information in the financial sector.<\/p>\n

This framework focuses in particular on sustainable investment products, seeking to improve the information available to investors and strengthen transparency regarding the integration of sustainability factors into investment decisions.<\/p>\n

The SFDR also establishes the need to consider, in addition to traditional financial risks, sustainability risks that may have a material adverse impact on investment performance.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Sustainability and climate risks <\/h2>\n

Sustainability risks<\/strong>, including climate risks, are relevant factors in the investment context. Their integration into advisory and investment processes may contribute to a better analysis of risks and risk-adjusted performance over time. <\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t

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In particular, we consider the following risks:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t

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Capital risk<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Variation in the value of the investment over time, which may result in losses and does not guarantee future returns<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Climate risks<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Impacts associated with climate and environmental phenomena that may affect economic activities, sectors, or financial assets<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Transition risks<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Risks arising from the transition to a lower-emissions economy, including regulatory, technological, market, or reputational changes<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Legal risks<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Risks associated with legal proceedings, the regulatory framework, and potential legal liabilities related to sustainability factors<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Technological risk<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Risks associated with the adoption or non-adoption of new technologies, with potential impacts on business models and costs<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Reputational risk<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Risks associated with public and stakeholder perceptions regarding the sustainability practices of entities or investments<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Operational risk<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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Risks resulting from internal processes, systems, or operational decisions, including the integration of sustainability factors<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Your account manager<\/strong> is available to provide additional clarification on the framework and implications of sustainable investment. For more information, you may consult the Policy on the Integration of Sustainability Risks in Financial Services to Clients<\/a>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Sustainability At Banco Finantia, we guide our activity by principles of responsibility, sustainability, inclusion, respect, innovation, and integrity, incorporating these dimensions into the way we relate to clients, employees, and society. We recognize that environmental, social, and governance (ESG) factors pose structural challenges to the sustained growth of the global economy, influencing people\u2019s well-being, the […]<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-6890","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6890","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/comments?post=6890"}],"version-history":[{"count":6,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6890\/revisions"}],"predecessor-version":[{"id":12611,"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/pages\/6890\/revisions\/12611"}],"wp:attachment":[{"href":"https:\/\/www.finantia.com\/en\/wp-json\/wp\/v2\/media?parent=6890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}