"Eco-Efficiency can be understood as the level of organizational efficiency achieved when goods and services are delivered at competitive prices that meet human needs and improve the quality of life, while the environmental impacts and the intensity of nature resource use are reduced to a point where the environment supports a dynamic balance." (adapted from: WBCSD. Eco-Efficiency, 2002).

Eco-efficiency is part of our strategic management, linking environmental performance to financial performance through optimization of processes, recycling, technological innovations and savings in the use of natural resources and materials. The goal is to reduce the environmental impact and contribute to operational efficiency.

In an integrated way, we consider the environmental issues in the development of activities and, through the Eco-Efficiency Management Program, we invest in initiatives with specific targets for reducing water consumption, energy, printing paper and greenhouse gas emissions (GHG). The program is developed by the Corporate Sustainability area and involves several departments, which are responsible for the initiatives and for the monitoring of data and indicators, tracked and validated by the Sustainability Commission and Committee.

Between 2010 and 2015, the first cycle of the Eco-Efficiency Master Plan was successfully developed and concluded, achieving the established goals. To continue the improvement process, a new cycle began in 2016 and that extended until 2018, with absolute annual targets, based on the comparison with the year 2015.

In 2019, we started the third cycle of the Eco-Efficiency Master Plan, which had the differential of having part of goals (energy consumption, land fleet and air fleet) in line with the ambition levels provided for the Paris Agreement to limit global warming in up to 2ºC, according to the sectoral tools indicated by the Science-based Targets initiative (SBTi).

We have the engagement of the different departments within the Organization to implement projects and actions to reduce our environmental impacts, in addition to participating in the process of monitoring our environmental performance.

All data are compiled and analyzed quarterly, and part of them comprise the Inventory of Greenhouse Gas Emissions, prepared annually according to ABNT NBR ISO 14064-1 standard and specifications of the Brazilian GHG Protocol Program, which includes an independent third party verification.

ISO 14001 is the international standard that specifies requirements for an effective environmental management system (EMS). It provides a framework that an organization can follow, rather than establishing environmental performance requirements.


  • Electric power consumption;
  • Water consumption;
  • Waste generation;
  • Greenhouse gás emissions;
  • Invest in programs (Environmental education, Eco-efficiency and associated Technologies).

Also, ensure compliance with environmental laws.


Infrastructure and property maintenance activities management of Bradesco Organization, with emphasis on the management of strategic indicators of energy & water consumption and waste generation at Cidade de Deus Nucleus - the headquarter including the Information Technology Center (CTI) - located in Cidade de Deus, Osasco/SP, the Paulista/Itapeva Building located at 1450 Paulista Avenue and 782 Itapeva Street, São Paulo/SP, the Vila Leopoldina Nucleus located at 425 Dr. Seidel Street, São Paulo/SP, the Campinas Building located at 668 Moraes Sales Avenue, Campinas/SP, the Alphaville Nucleus located at 1500 Alphaville Avenue, Barueri/SP, the BH Comércio Building located at 328 Rio de Janeiro Street, Belo Horizonte/MG, the Santa Cecília Building located at 47 Santa Cecília Square, São Paulo/SP and also the Alpha Building located at 779 Alphaville Avenue, Barueri/SP.

Our performance is as follows:

WATER CONSUMPTION (from the concessionaire, collected from wells and rainwater)
  • The first cycle of the Eco-efficiency Master Plan (2011-2015) recorded an absolute reduction of 3% (45,815 m³) in water consumption.
  • In the second cycle of the Eco-efficiency Master Plan (2016-2018), we set absolute reduction targets on water consumption: 4.2% in 2016, 2.5% in 2017, and 2% in 2018. In total, we reduced our water consumption by 24% from 2016 to 2018.
  • In 2019, we started the third cycle of the Eco-Efficiency Master Plan (2019-2021), where we set a reduction target of 6.98% in our water consumption for the period.
  • In 2019, we increased our water consumption by 9%, compared to 2018, due to the investment in infrastructure in our headquarters.

  • In the second cycle of the Eco-efficiency Master Plan (2016-2018), we set absolute reduction targets on energy consumption: 2.4% in 2016, 1.5% in 2017, and 1.3% in 2018.
  • Bradesco Organization's electricity consumption in 2016 (542,880 MWh - including total operations of HSBC Brazil) decreased by 6% when compared to the total consumption of Bradesco Organization and HSBC Brazil together in 2015 (577,441 MWh).
  • Thus, in 2017, we prepared the Corporate Energy Efficiency Master Plan (PDEE, in Portuguese), including a set of recommendations and guidelines aimed at channeling all short, medium and long term projects and initiatives aimed at energy efficiency and its rational use. At the end of the Plan, in 2022, consumption is expected to decrease by 22% compared to 2016.
  • In the current Eco-Efficiency Master Plan (2019-2021), we follow the objectives of the PDEE and stipulate the goal of reducing electricity consumption by 12.6% - considering 3.7% in 2019, 5.6% in 2020 and 3.7% in 2021.
  • In 2019, electricity consumption increased 0.32% compared to 2018 due to new administrative facilities and investments in the infrastructure in our headquarters.
  • A highlight of our 2019 performance was a 7.5% reduction in diesel consumption from power generators. Such reduction is due to an increased efficiency in our energy interruption tests, which are part of our Business Continuity Plan.
  • Also in 2019, we assumed a public commitment to supply 100% of the Organization's demand for electricity through renewable energy sources from 2020 onwards.


  • The first cycle of the Eco-efficiency Master Plan (2011-2015) recorded an absolute reduction of 10 tons of waste destined to landfills (45%).
  • During the second cycle of the Plan (2016-2018), we reviewed our extrapolation methodology in order to cover branches and expanded the collection of sampling data over more Brazilian states. Additionally, we expanded selective collection of waste to most of our administrative buildings.
  • From 2010 to 2019, 48,091 tons of waste generated were recycled.
  • Of the total waste generated in 2019, 6 thousand tons were disposed of in landfills - which represents a 18% decrease in relation to the previous year.



  • In order to consolidate data, we consider the distances travelled during working activities in our own land and air fleet, in employees' private vehicles (reimbursed by the Organization), in taxis (and similar) and in commercial and charter flights.
  • In the second cycle of the Eco-efficiency Master Plan (2016-2018) absolute reduction targets were set for greenhouse gas emissions generated by business trips, considering 3% per year in own land fleet and 2% per year for taxis and similar.
  • In this period, we exceeded our land fleet target, achieving a 13% reduction. For taxis, we had an 83% increase in emissions due to increased monitoring coverage.
  • In the third cycle of the Eco-efficiency Master Plan (2019-2021) we have fuel consumption reduction targets for own air fleet (6.78% in 2020 and 2021) and reduction of mileage for air travel (1% in 2020 and 2021). In addition, we have a cost reduction target for taxi (and similar) travels (2019: 4.2%; 2020: 1.12%; and 2021: 1.12%).
  • We had a 0.6% increase in taxi use compared to 2018. However, we are working on optimizing monitoring and expanding the availability of systems for non-face-to-face meetings, aiming at reducing the need for travel.
  • As highlights of our 2019 performance, we had a 19% reduction in aviation kerosene consumption in our own air fleet.
  • Furthermore, we had an 8% reduction in the use of commercial flights compared to 2018, due to changes in corporate criteria for approving air travels.



  • The first cycle of the Eco-Efficiency Master Plan (2011-2015) achieved a 5,463t (43.4%) reduction in the consumption of printing paper.
  • In the second cycle of the Eco-Efficiency Master Plan (2016-2018), absolute consumption reduction targets were set at 5% per year. We achieved a reduction of 23% in the consumption of printing paper when compared to the base year (2015).
  • In the third cycle of the Ecoefficiency Master Plan (2019-2021), we have annual reduction targets (2019: 20%; 2020: 2.98%; 2021: 2.98%) corresponding to an expected total reduction of 24% compared to 2018.
  • In 2019, our total consumption of printing paper was 2,246 tons, 17.6% lower than the previous year.
  • As a highlight of our 2019 performance, we had the implementation of Zero Paper Program at Group Bradesco Seguros (or Bradesco Insurance), which combined consumption awareness and digitization projects. As a result, a 45% reduction in paper consumption at Bradesco Seguros was achieved compared to 2018.



  • Bradesco annually develops and publishes its Inventory of Greenhouse Gas Emissions, according to ISO 14064-1 standard and specifications of the Brazilian GHG Protocol Program, audited by an independent third party.
  • The second cycle of the Ecoefficiency Master Plan (2016-2018) included reduction targets that represented 86% of scope 1 and 2 emissions, in addition to 22% of scope 3 emissions. In total, the Plan covered 37% of the Organization's annual emissions.
  • In the third cycle of the Ecoefficiency Master Plan (2019-2021) our targets are focuses od consumption of resources, rather than emissions generation, to facilitate data collection, management and communication of the results along the year with the different departments of the Organization. The targets aim to promote a reduction of 10,202 tCO2eq compared to the base year (2018).
  • The increase in total emissions in 2019, compared to 2018, occurred mainly due to a 6% increase in emissions from employees' transportation and the 26% increase in Upstream Transportation and Distribution emissions - mainly related to Vehicle recovery & towing services (Bradesco Insurance). Both aspects represent 68% of the Organization's total CO2 emissions.
  • As a positive highlight, we reduced by 26.55% the emissions of refrigerant gases used in air conditioning systems. This reduction occurred mainly due to the investment in more efficient refrigeration equipment, the use of less carbon-intensive gases and advances in emissions monitoring.
  • In 2019, we made a commitment to offset 100% of GHG emissions generated directly and indirectly by our operations, covering all aspects of scope 1, 2 and 3 monitored and published.




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