Female audience, startups and FGTS boost BRDE loans – FortBendNow

Wilson Bley Lipski, Chairman of BRDE | Photo: Gilson Abreu/NEA
Figures published by the Regional Development Bank of the Far South (BRDE) show that the institution closed in 2021, a total enterprise value of 61.4% higher than the previous year. The more than 4 billion BRL exchanged by the bank was celebrated by the president Wilson Bley Lipskiin an interview with Gazeta do Povo.

For him, the good results are due to the diversification of financing funds offered by BRDE. In addition to the National Bank for Economic and Social Development (BNDES), which has already responded for 99% of the funds raised by BRDE, the institution now has more and more different financing options. These funds include eight large loans from international institutions and other options not previously available to the private sector, such as FGTS resources.

“BNDES funds are becoming more and more expensive. We are talking about a nominal interest rate between 3%, 3.5%, plus a Selic of 04.75%, already gives more than 1% per month. This is why we went to diversify our funding, and we managed to find in the FGTS resources that until then had only been provided by the public sector. We were able to bring those resources to the private sector. BNDES has started to implement restrictive policies, and we need to diversify our options. If we didn’t, our numbers would probably not reach R$1.7 billion in hires in 2021,” the president pointed out.

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Commerce and services took out more loans than agribusiness

The search for new sources of financing has enabled the BRDE to propose options better suited to the demands that have arisen during the pandemic. Thus, the agri-food sector, which has always been the main sector to seek financing from the BRDE, was overtaken last year by the trade and services sectors – almost one in three financings closed by the bank is went to these trading areas.

“Agro-industry and cooperatives are our biggest partners, our biggest clients of BRDE. But this year, there was this differentiated movement, and we managed to disperse our resources more. This has allowed us to conclude more than 9,000 direct contracts. If we count the indirect ones, those closed by these partners, such as the cooperatives and second-floor operations of Fomento Paraná, we jump to 61,000 contracts. For a development bank, this is a very important number,” commented Lipski.

The bank had news to increase the volume of business

The BRDE Empreendedoras do Sul program was launched in March 2022 and is presented as one of the novelties that took advantage of the bank’s good figures, explains the president. The target audience is rural producers and businesses with women in leadership positions, or with at least 40% partners. In Paraná alone, this program moved R$32.1 million – in the four states where BRDE operates, R$70.2 million was funded by this initiative.

The bank also offers BRDE Labs, a startup acceleration program. Last year alone, approximately 4,000 people were impacted through life, mentorship and training. In partnership with Hotmilk, from PUC-PR, the program had 96 registered startups from Paraná. Of these, 04 passed the pre-acceleration phase and 9 passed to acceleration. For 2021, the program will work on projects in the ESG – Environmental, Social and Governance theme. .

Another highlight mentioned by Lipski was the Banco do Agricultor Paranaense. The instrument, created by the Government of Paraná, helps rural producers, cooperatives, production, marketing and recycling associations, as well as family agro-industries. Projects intended for irrigation and using renewable sources of energy production can also apply for financing from BRDE. Last year alone, the Agricultural Bank exchanged BRL 32.7 million with over 177 farmers.

Low delinquency rate and assertiveness of credit analysts

Non-payment of contracts increased by 960 in 2021, impacted mainly due to the pandemic. Despite this, the current rate of contracts not honored on time is still considered acceptable by the President of BRDE. “We went from 0.32% to 0.32%, a reflection of the pandemic. But it is still a number that is far from the average of the national financial system, which exceeds 2.70%”, quoted.

In the president’s opinion, the good results in this respect are the result of the assertiveness of the institution’s credit analysts. The relationship between the bank and the client, Lipski illustrated, is almost as if the analysts become the godfathers and godmothers of the companies financed. The aim, he assured, is to ensure that the resources will be invested in companies that drive the economy, create jobs and stimulate the development of the region.

“We want to add value to this operation, it’s not just about providing money with guarantees in mind. We want to know if this entrepreneur will keep the jobs, if he will create others. These are the commitments that we have made even more during the pandemic, to ensure that these contracts, these loans generate economic development within the States in which we work. We have adapted to these realities, trying to guarantee the main objective of the bank, which is the social realization of a good distribution of credit. We always seek to have adequate products so that those who seek us can generate jobs and economic and social development,” he concluded.

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