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With regard to the Sustainability strategy and policy, Banco Carregosa develops a set of actions, with positive externalities, which allow the Bank to contribute positively, and with real impact, in various ESG areas (environmental, social and governance). Banco Carregosa intends, with its footprint, to actively promote the creation of a more sustainable world in the long term, in a way that is environmentally acceptable, socially fairer, culturally diverse and economically viable.
Banco Carregosas sustainability strategy is developed based on two major guidelines.
On the one hand, by implementing the best sustainable finance practices in products and services offered or marketed by the bank, reflecting the new finance paradigm of redirecting financial flows towards sustainable investments taking into account Environmental, Social and Governance factors. For investors this means integrating ESG criteria into investment decisions, resulting in long-term investments in sustainable activities. For companies, it means contributing to the integration of sustainable practices in order to achieve corporate sustainability.
On the other hand, and in line with its historic mission to return to society part of what it receives from it, Banco Carregosa invests in a number of initiatives and projects, according to the business model and activity in which it operates, which make a positive impact on several areas of sustainability. The Bank aims to be extremely careful in the selection of projects of high social value and is also concerned about dispersing the initiatives and support throughout the national territory.
Thus, Banco Carregosa, for the benefit of society, has invested in six main areas – financial literacy, humanitarian aid, education, arts, health, and sports – further strengthened since 2020, compared to previous years, due to the adverse effects caused by the Covid-19 pandemic and the Russia-Ukraine war.
FINANCIAL LITERACY
HUMANITARIAN AID
EDUCATION
ARTS
HEALTH
SPORTS
Regarding Financial Literacy, we highlight the already historical and award-winning "Jogo de Bolsa" (Stock Exchange Game), Banco Carregosa’s main project to promote financial literacy, jointly organised uninterruptedly since 2003 (now in its 20th edition) with Jornal de Negócios and ISCTE-IUL. This financial literacy project has already reached, educated and trained more than 40,000 investors in Portugal. This project aims at contributing decisively to the dissemination, development and boosting of capital markets in Portugal, through a wide network of potential investors who have not yet had the opportunity to use this investment solution. Given the role that this type of initiative plays in learning how financial markets operate, Banco Carregosa has continued the partnerships with several universities, organising "stock exchange games" aimed at higher education students so that they can come into contact with the trading and management of an investment portfolio on the GoBulling electronic trading platforms.
Moreover, Banco Carregosa has also partnered with Jornal de Negócios since 2020 to create a new social responsibility project named "Talking Money | The Value of Money", an initiative based on the creation of an informative and training platform on the topic of financial literacy. Awareness-raising actions carried out in the form of debates, a major conference on topics related to financial literacy, information supplements on digital platforms and in print in the Jornal de Negócios, the aim of which is to help investors to make informed decisions.
In recent years, Banco Carregosa has also participated actively in external and in-house seminars and webinars for employees, on various topics, including "Financial Literacy" and "Sustainable Investment".
Finally, the Bank has developed a wide range of training projects relevant to higher education students and junior entrepreneurs. These markedly academic and educational projects address the topics of financial literacy, namely those related to the core activity of Banco Carregosa. The following projects are of note: "The Economy and the Future", an academic essay contest jointly organised by the Portuguese Association of Economists, the Faculty of Economics of the University of Porto, and Banco Carregosa; and the "EEG Business Day" of the School of Economics and Management (EEG) of the University of Minho, to bring students closer to the business world.
Regarding Humanitarian Aid, Banco Carregosa has been involved, over the past decade, in a number of various social projects and activities, of which we highlight the most relevant sponsorships:
In addition, Carregosa also contributed to the following institutions that fight for social inclusion and for the rights of people with disabilities: ANCAP - National Association for the Fight against Poverty, APAC - Association for Support to Blindness, VO.U. - University Volunteering Association, Encontrar+se Association, Novamente Association and Romão de Sousa Association, and also the "Operation Solidarity Barrette 2021", of Associação Salvador.
With regard to the Education pillar, Banco Carregosa awards scholarships to the Youth Symphony Orchestra whose main purpose is to support the training and professionalisation of musicians of the Youth Symphony Orchestra of high artistic potential. This project works in several areas, from education, to social inclusion and also the commitment to culture.
The Bank has played an active role over the last few years by awarding several prizes for students from Lusíada University and Fernando Pessoa University and also the "FJC Porto de Emprego", the largest student job fair in Portugal, which is attended by more than 60 companies from various areas and also thousands of university students.
In the field of cultural patronage, the Bank has supported different artistic areas over the last decade through a wide variety of initiatives:
Music: Banco Carregosa is a founding member of the "Casa da Música" in Porto. It also attends the traditional Christmas Concert of the Calouste Gulbenkian Foundation; It has sponsored the Porto music festival "Spiritum" since its first edition, which was once again held in 2021 and aims at rediscovering the historical heritage through music, featuring a specific repertoire suitable to the atmosphere of each venue and offering a new interpretation of the city of Porto; the Bank also supports the “Opera Gala” concert organised by the Youth Symphony Orchestra.
Finally, Banco Carregosa has also supported many other musical initiatives, in particular:
– the launch of the CDs of the maestro and pianist Contantin Sandu; "Live recording of themes by L. Van Beethoven" and the "Masterpieces of Portuguese and Romanian Music for Piano II"
– the launch of a double CD "Bomtempo" and the concert held in Palácio Freixo by pianist "Luísa Tender", the latter included in the Paços de Brandão International Festival, and also for the exclusive concert held for Banco Carregosa in Palácio da Bolsa;
– the production and concert which saw the launch of Teresa Salgueiros CD "O Horizonte" in Lisbon and Porto;
– Rão Kyao, for the Liturgical Recital project "Sopro de Vida" held in several cathedrals in Portugal;
– Concert in support of refugees at the "Gulbenkian Grand Auditorium" - Music for a Cause;
– Concert given by Kátia Guerreiro for the "League of Friends of Hospital"
– Classical music concerts at the Porto Trade Association, in the Salão Árabe: The cycles of concerts "Classical Music" and "Nights in the Salão Árabe"; the piano concerts by Filipe Pinto Ribeiro, and also the grand recital "Winterreise - Journey of Franz Schubert", interpreted by the outstanding baritone Wolfgang Holzmair and Philippe Cassard on the piano, a representative work of the Lied style
• Cultural heritage and artistic dissemination: the continuation of the protocol signed with Santa Casa da Misericórdia do Porto, which aims primarily at the exhibition of works of art from the SCMP collection in the premises of Banco Carregosa. The Bank participated actively in the commemorations of the 500th anniversary (1521-2021) of Rua da Flores, the location of the original building that gave rise to the current Banco Carregosa, now converted into the institutions house-museum. These commemorations are part of a project organised and developed by Santa Casa da Misericórdia do Porto, through MMIPO – the Museum and Misericórdia Church of, and by the University of Porto, through the Faculty of Arts and CITCEM. It is also supported by the Porto City Hall.
Finally, in recent years Banco Carregosa has supported several painting and classical art exhibitions, among which the following are of note:
– Support to the National Museum of Ancient Art (MNAA) for the exhibition "The Nordic Landscape of the Prado Museum" (works from the Prado National Museum); the exhibition "The Saboias - Kings and Patrons"; the exhibition "Splendor et Gloria"; the showing of the painting "El Greco - Guest Work"; support to the acquisition of the painting "SEQUEIRA - Vamos por o Sequeira no lugar certo", a joint project with Público newspaper; Exhibition, and the showing of the painting "Vertumnus and Pomona, by Jacob Jordaens – Guest Work"; the Bank also sponsored the production and exhibition of the "interactive table" of the Panels of São Vicente;
– Support to the exhibition "Vernissage Meeting Point" - Calouste Gulbenkian Foundation; Exhibition "Floral Decorations in Mughal Carpets" and the exhibition "The Pirgo of Chaves";
– Support to Associazione Socio-Culturale Italiana del Portogallo Dante Alighieri (Ascipda) through the exhibition "Dante Alighieri" and "Dante in Porto";
– Support to the travelling exhibition "Leonardo Da Vinci: the inventions of a genius", staged at the Alfândega Building in Porto.
The bank is also a patron of the Museum Centre "O Motor da República - Os Carros dos Presidentes" - Alfândega Building Exhibition Centre in Porto and also supports the "Casa-Museu Abel Salazar", having sponsored the promotion of the cycle of exhibitions of this prestigious cultural institution of the city of Porto.
Health-related areas: for the 5th year running, the Bank renewed its support to the “Banco Carregosa / Secção Regional do Norte da Ordem dos Médicos” award, which aims at distinguishing the best clinical research projects in Portugal and is one of the biggest opportunities for development in the area of health sciences and technologies in Portugal. We highlight the sponsorship to the “YES Meeting” project, which aims to create a global platform for scientific and cultural exchange for biomedical students worldwide, developed by the Students Association of the Faculty of Medicine of the University of Porto (AEFMUP), and the support to several solidarity initiatives organised by the non-profit organisation “Mama Help”, which helps patients suffering from breast cancer and their families.
The Bank also supported the community of health professionals and medical students, sponsoring congresses and initiatives in this field. Of note are the events organised by the community of doctors in Portugal: by the Students Association of the Institute of Biomedical Sciences Abel Salazar of the University of Porto (AEICBAS); by the medical students of the Students Association of the Faculty of Medicine - University of Porto (AEFMUP); by the National Association of Medical Students (ANEM) and by the Academic Association of Medical Students of Coimbra (NEMAAC), of the University of Minho (NEMUM) and of the University of Beira Interior (NEMUBI).
The Bank sponsored a number of sports initiatives, covering different audiences and age groups. Support was granted to several events in the form of sponsorships and patronages, among which the following golf events: “Banco Carregosa Miramar Open”, “Royal Caribbean Match Play | Banco Carregosa", "Estela Bentley Golf Challenge | Banco Carregosa" and "Vidago Golf Challenge Porsche | Banco Carregosa". Banco Carregosa continued to sponsor the sports career of the promising Portuguese golf player João Maria Pontes and also entered into a new sponsoring partnership with the Miramar Golf Club, a reference institution with thousands of members and golfers. The Bank renewed the support to the “Porto and Matosinhos Horse Riding Centre”, which engages about 400 riders in all age brackets (beginners, juveniles, juniors and seniors), in various disciplines such as obstacles, teaching, adapted riding and working horse-riding. Through this partnership, Banco Carregosa supported several competitions with the award of the "Grand Prix Banco Carregosa", the "Amazon Cup", the "Iberian Cup Guilherme Pinto Trophy"; the “Poule de Saltos de Obstáculos”; the "Horse-Jumping Portuguese Championship"; the Matosinhos Youth Cup" and also the Christmas Gala "Prof. João Mota Trophy". In motor sports, Carregosa sponsors several rally competition teams. In the discipline of sport shooting, the Bank renewed the partnership with the “Porto Hunters Club” lending its name to the shooting field in Porto, Gondomar.
Banco Carregosa is proud to belong to the Business Council for Sustainable Development (BCSD) Portugal. BCSD Portugal is a business association that brings together a number of forward-thinking companies, working together to accelerate the transition to a more sustainable world. As a result of this associative movement of several national and international reference companies for sustainability, in 2021 Banco Carregosa signed the BCSD manifesto assuming an additional commitment in terms of its strategy and policy of social responsibility. This commitment is even reflected in a new pillar of its corporate values in favour of sustainability and the promotion of positive impact for stakeholders, society and the environment (ESG).