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
770 Downloads
Details

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 - Junho 2018
Circular 3678 - Junho 2018
Relatorio_3-678_Junho_2018.pdf
970.9 KB
125 Downloads
Details
Circular 3678 - Março 2018
Circular 3678 - Março 2018
Relatorio_3-678_Marco_2018.pdf
984.9 KB
266 Downloads
Details
Circular 3678 - Dezembro 2017
Circular 3678 - Dezembro 2017
Relatorio_3-678_Dezembro_2017.pdf
763.3 KB
151 Downloads
Details
Circular 3678 - Setembro 2017
Circular 3678 - Setembro 2017
Relatorio_3-678_Setembro_2017.pdf
750.6 KB
397 Downloads
Details
Circular 3678 - Junho 2017
Circular 3678 - Junho 2017
Relatorio_3678_Junho_2017.pdf
758.4 KB
458 Downloads
Details
Circular 3678 - Março 2017
Circular 3678 - Março 2017
Relatorio_3-678_Marco_2017.pdf
756.0 KB
500 Downloads
Details
Circular 3678 - Dezembro 2016
Circular 3678 - Dezembro 2016
Relatorio_3-678_Dezembro_2016.pdf
528.0 KB
492 Downloads
Details
Circular 3678 - Setembro 2016
Circular 3678 - Setembro 2016
Relatorio_3-678_Setembro_2016.pdf
646.1 KB
558 Downloads
Details
Circular 3678 - Junho 2016
Circular 3678 - Junho 2016
Circular_3678_2016-06.pdf
652.9 KB
781 Downloads
Details
Circular 3678 - Março 2016
Circular 3678 - Março 2016
Circular_3678_2016-03.pdf
567.1 KB
771 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 2017
Conglomerado Prudencial 1º Semestre 2017
Conglomerado-Prudencial-1o-semestre-2017.pdf
173.8 KB
771 Downloads
Details
Conglomerado Prudencial 1º Semestre de 2018
Conglomerado Prudencial 1º Semestre de 2018
Conglomerado-Prudencial-1o-semestre-2018.pdf
1.1 MB
128 Downloads
Details
Conglomerado Prudencial 2º Semestre 2017
Conglomerado Prudencial 2º Semestre 2017
Conglomerado-Prudencial-2o-semestre-2017.pdf
517.6 KB
293 Downloads
Details
Conglomerado Prudencial  1º semestre de 2014
Conglomerado Prudencial 1º semestre de 2014
conglomerado_1_semestre_2014.pdf
286.0 KB
697 Downloads
Details
Conglomerado Prudencial  1º semestre de 2015
Conglomerado Prudencial 1º semestre de 2015
conglomerado_1_semestre_2015.pdf
253.5 KB
1250 Downloads
Details
Conglomerado Prudencial 1º Semestre 2016
Conglomerado Prudencial 1º Semestre 2016
conglomerado_1_semestre_2016.pdf
Version: 2016
155.8 KB
1210 Downloads
Details
Conglomerado Prudencial  2º semestre de 2014
Conglomerado Prudencial 2º semestre de 2014
conglomerado_2_semestre_2014.pdf
404.4 KB
102 Downloads
Details
Conglomerado Prudencial 2º Semestre 2015
Conglomerado Prudencial 2º Semestre 2015
conglomerado_2_semestre_2015.pdf
725.1 KB
925 Downloads
Details
Conglomerado Prudencial - 2º Semestre 2016
Conglomerado Prudencial - 2º Semestre 2016
Conglomerado_Prudencial_do_Banco_Confidence_de_Cambio_122016.pdf
674.6 KB
1084 Downloads
Details