BancoEstado - Huella Social

Español

NUESTRA HUELLA
HUELLA SOCIAL HUELLA SOCIAL

HUELLA SOCIAL

Como único banco público del país, queremos mejorar la calidad de vida de nuestros clientes y de toda la ciudadanía, a través del fomento de la inclusión financiera, la ampliación de nuestra cobertura geográfica, el apoyo a las empresas de menor tamaño, el desarrollo de la multicanalidad con énfasis en los canales digitales, la promoción de la educación financiera y el endeudamiento responsable, además del fomento del ahorro como una herramienta de movilidad social.

En nuestro rol como impulsores del desarrollo y bienestar social del país, hemos querido incrementar los canales de información para dar cuenta de nuestro impacto en la sociedad. En este contexto, Huella Social nos permite medir los resultados de las iniciativas que impulsamos, además de facilitar su constante monitoreo, mejorar su efectividad y dar cumplimiento a sus objetivos.

¿POR QUÉ MEDIMOS? ¿POR QUÉ MEDIMOS?

NOS IMPORTA

Apoyamos a nuestros clientes en sus proyectos, al contar con una oferta de valor acorde a las necesidades de cada uno de ellos.

Como banco público, y en línea con nuestro rol social, nos hemos propuesto avanzar con transparencia en la gestión de nuestros objetivos. Por esto, hemos desarrollado una metodología que permite construir una base cuantitativa que da cuenta de nuestro trabajo, y que al mismo tiempo, mejora su efectividad.

Buscamos:

1.- Aumentar la eficacia y eficiencia de lo que hacemos.

2.- Contar con un sistema que integre nuestras iniciativas y productos con cada cliente, y con cada uno de nuestros pilares de desarrollo.

3.- Avanzar en transparencia.

4.- Ser un canal que permita el progreso de la educación financiera en Chile.

¿CÓMO MEDIMOS? ¿CÓMO MEDIMOS?

METODOLOGÍA

Hemos adoptado una marco de evaluación, el cual se basa en la experiencia de los principales bancos de desarrollo del mundo.

Nuestro método consiste en diseñar productos y programas en base a los resultados que queremos obtener.

Buscamos:

1.- Identificar las necesidades de los clientes; dónde podemos actuar y cómo debemos hacerlo.

2.- Diseñar soluciones y monitoreo a través de indicadores SMART, lo que permite que las iniciativas sean evaluables.

3.- Monitorear resultados y avances para generar conocimiento sobre lo que estamos haciendo bien y lo que no.

4.- Evaluar impactos para poder extraer conclusiones y profundizar el conocimiento.
PILARES DE DESARROLLO
RENDICIÓN DE CUENTAS
INDICADORES
BIBLIOTECA DIGITAL
DOCUMENTOS

Rebaja de comisiones de CuentaRUT para adultos mayores

Cerca de 1,3 millones de clientes de CuentaRUT mayores de 65 años podrán realizar hasta 3 transacciones gratis al mes a partir de diciembre, en los canales de BancoEstado (cajas en sucursales, ServiEstado, CajaVecina, cajeros automáticos o en transferencias electrónicas).

Nueva Tarjeta CuentaRUT

2 millones de clientes (julio 2019) con la Nueva Tarjeta CuentaRUT, que cuenta con un chip de seguridad y permite realizar compras tanto en Chile como en el extranjero.

RukaVecina

The first CajaVecina service network branch in the Araucania Region was set up in a ruka, a traditional mapuche house type at Trovolhue, a small town located in Carahue. The Ruka belongs to the Francisco Lázaro Marivil people, a consumers’ cooperative whose aim is to work for the wetlands conservation in their lands, and to promote tourism through the Mapuche culture.

Awards

The Global Banking Alliance for Women (GBA) presented BancoEstado with the Emergent Leader Award, for the range of initiatives developed to foster female financial empowerment.

Indicators

We strive to achieve BancoEstado’s S.M.A.R.T development pillar indicators: specific, measurable, achievable, relevant, and time-bound

Financial Education

The program "Usa bien tu plata (Spend your money wisely) comprises a series of workshops and lectures at state and subsidized schools in Chile. More than 33,000 students in 750 schools have participated in these initiatives since 2015.

Coverage

Over 47,000 inhabitants live in Castro, a city on the Isla Grande de Chiloé. Since 2011 until now, the CajaVecina network has increased from 0.23 to 1.54 service channels per thousand inhabitants.

1 FINANCIAL INCLUSION AS A MEANS TO WELL-BEING

Financial inclusion means that everyone has access to high-quality financial services and products. Figures presented recently ...

Financial inclusion brings with it access to many socioeconomic benefits because it helps to reduce the vulnerability of low-income households, providing them with instruments through which to reduce the variability of their consumption, manage risks better and improve their quality of life through transactional products.

2 GEOGRAPHICAL COVERAGE AS A TOOL FOR FINANCIAL INCLUSION

BancoEstado is present in all of Chile’s municipal districts through branch offices or CajaVecina points of service. The coverag...

Our bank is present in all of Chile’s municipal districts through either branch offices or CajaVecina points of service. This broad geographical coverage allows us to offer all the Bank’s services to a large percentage of the population, even in the most remote parts of the country.

3 SUPPORT FOR SMALLER COMPANIES

BancoEstado has an important market share among smaller-sized companies. These are the backbone of job creation in Chile and cruci...

As a bank, we have an important market share among smaller-sized companies, which are the backbone of job creation in Chile and crucial for the country’s development and improving its inhabitants’ quality of life. At present, more than 600,000 companies around Chile are clients of BancoEstado.

4 SAVING AS A DRIVER OF DEVELOPMENT AND SOCIAL MOBILITY

Saving plays an important role in improving people’s quality of life, allowing them to acquire durable goods and better withstan...

Promoting the habit of saving among our clients is one way of supporting their development. Although the Bank is the main promoter of saving in Chile, both in terms of savings accounts and other products for saving of a specific type, we have pending challenges in this field.

5 IMPACT OF ELECTRONIC AND MOBILE MEANS OF PAYMENT

In recent years, electronic means of payment have shown very important growth and, for BancoEstado, its multichannel strategy and ...

In recent years, electronic means of payment have shown very important growth and, for BancoEstado, its multichannel strategy and the use of online channels have become a priority. These channels permit safe transactions and mean an important cost reduction for clients.

6 FINANCIAL EDUCATION, RESPONSIBLE BORROWING AND CONSUMER RIGHTS

BancoEstado views financial education as a tool to serve the country’s citizens who, with clear and transparent information, are...

We view financial education as a tool to serve the country’s citizens who, with clear and transparent information, are able to take better decisions and improve their quality of life and that of their families. We seek to help our clients in the correct management of their finances and the financial products to which they have access.

FINANCIAL INCLUSION AS A MEANS TO WELL-BEING

Financial inclusion means that everyone has access to high-quality financial services and products. Figures presented recently by the Superintendency of Banks and Financial Institutions (SBIF) demonstrate BancoEstado’s importance in this field: 87% of the country’s adults are clients of the Bank.

Financial Inclusion

Financial inclusion brings with it access to many socioeconomic benefits because it helps to reduce the vulnerability of low-income households, providing them with instruments through which, for example, to reduce the variability of their consumption and manage risks better.

13.1 million clients
6.6 million female clients
10.3 million CuentaRUT accounts
88% of immigrants in Chile are clients

GEOGRAPHICAL COVERAGE AS A TOOL FOR FINANCIAL INCLUSION

BancoEstado is present in all of Chile’s municipal districts through branch offices or CajaVecina points of service. The coverage of these two channels has shown sustained year-by-year growth.

Geographical Coverage

The Bank’s broad geographical coverage allows it to reach 87% of the population through branch offices and offer all its services even in the most remote parts of the country.

100% of municipal districts with CajaVecina
127 municipal districts with only a BancoEstado branch
26 new branches opened in 2014-2017
1.2 CajaVecina points per 1,000 inhabitants

SUPPORT FOR SMALLER COMPANIES

BancoEstado has an important market share among smaller-sized companies. These are the backbone of job creation in Chile and crucial for the country’s development and improving its inhabitants’ quality of life.

Smaller companies

At present, more than 600,000 companies around Chile are clients of BancoEstado. Out of this total, over 267,000 obtain financing from the Bank for their businesses.

4.4% growth of lending in 2017
720,000 clients among micro and small businesses
23,000 companies connected online
336,000 women entrepreneurs in the CreceMujer program

SAVING AS A DRIVER OF DEVELOPMENT AND SOCIAL MOBILITY

Saving plays an important role in improving people’s quality of life, allowing them to acquire durable goods and better withstand adverse situations for themselves and their families.

Saving and development

Promoting the habit of saving among clients is one way in which BancoEstado can support their development. Although it is the main promoter of saving in Chile, both in terms of savings accounts and other products for saving of a specific type, the Bank has pending challenges in this field.

93% of the system’s savings accounts
1,500UF average mortgage
63.5% of male clients save
75.5% of female clients save

IMPACT OF ELECTRONIC AND MOBILE MEANS OF PAYMENT

In recent years, electronic means of payment have shown very important growth and, for BancoEstado, its multichannel strategy and the use of online channels are a priority.

Digital Channels

Digital channels permit safe transactions and mean an important cost reduction for clients who can also receive government benefits through them. In line with this, BancoEstado is making important efforts to boost its digital channels.

75% of clients’ transactions are electronic
23% correspond to payments by card
3.5 million Internet clients
200 million transactions per month

FINANCIAL EDUCATION, RESPONSIBLE BORROWING AND CONSUMER RIGHTS

BancoEstado views financial education as a tool to serve the country’s citizens who, with clear and transparent information, are able to take better decisions. Better informed people can improve their quality of life and that of their families.

Financial Education

Household debt in Chile is high, with all the risks this implies, and the Bank is committed to helping clients manage their finances correctly.