Banco BI&P focuses its activities on corporate lending in local and foreign currencies to companies in the Emerging Companies segment, with annual sales chiefly in the range from R$40 million and R$400 million; and Corporate segment, customers with annual revenue above R$400 million.
Emerging Companies enterprises typically resort to several banks for the funds that they need for their activities, since they only have access to lower volume credit lines and shorter maturities, and have good growth potential and cash flow generation. On the other hand, larger companies allow credit portfolio diversification with higher quality assets utilizing various products that improve cross-selling, including fee revenues. This customer service segmentation aims at enhanced competitiveness in customer servicing by specialists in attending the specific demands of each segment companies providing customized solutions.
At the end of December 2013, credit businesses with Emerging Companies enterprises represented 47.0% of Banco BI&P’s loan portfolio, whereas the Corporate segment, started in July 2010, took a 52.2% share.
Out of total loan portfolio, 38% derives from loans to industries, 30% from commerce, 28% from service providing enterprises, 2% from financial intermediaries and only 2% from loans to individuals. The most representative economic segments are: Agriculture (22.1 %), Real Estate (9.4%), Oil, Biofuel & Sugar (7.6%), Food & Beverage (6.6%), Automotive (6.4%) and the remaining 47.9% of the portfolio is diversified in several segments with isolated participations not exceeding 5%.
Local Currency Loans and Financing
Braziian Development Bank (BNDES) Onlendings
Foreign Currency Financing
Other products offered by Indusval & Partners Corretora de Valores