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.







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.