informe social 2011-banco general
DESCRIPTION
2011INFORME SOCIALÍNDICEMensaje del Presidente Un vistazo al 2011 Perfil de la empresa Ética empresarial y transparencia: Nuestro compromiso con la Responsabilidad Social Empresarial PRINCIPALES GRUPOS DE INTERÉS • Accionistas • Colaboradores • Clientes • Proveedores • Medio Ambiente 2 4 6812 14 19 22 24IMPULSANDO EL DESARROLLO DE LA COMUNIDAD • Banco General y la Comunidad • Voluntariado Corporativo: Vecinos en Acción • Inversión Social: Fundación Sus Buenos Vecinos32 34 40APOYOTRANSCRIPT
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IJBH[AM _HOIE@
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IJBH[AM _HOIE@
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A M L I H EAKIMJ\M
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AMLIH
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IJBH[AM _HOIE@
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lm `e ~`ete `hoe` ~e{e f}ie{`hs y esmsh{e{`ms mj `eia~`mamj|eoiÿj lm ms|m |i~h lm sis|mae mj s}sijs|i|}oihjms jejoim{es*
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AMLIH
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IJBH[AM _HOIE@
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Mj e`iejte ohj ^{h E{|msejes cmahs oe~eoi|elh e?> a}dm{ms lm }fe{ms {mah|hs es o}e`ms ms|åj chy láe fms|ihjejlh s}s ijf{mshs e |{erés lm e rmj|e lm{h~e y te~e|i|hs ~e{e kmkés y e{|msejáes u}m ~h{ s}mom`mj|m oe`ilel sm oham{oie`itej mj e`aeomjmslm ~{ms|ifih* M` éi|h lm ms|m ~{hf{eae ce silh `eoe~eoi|eoiÿj jh sh`h ~e{e lmse{{h``e{ }je lms|{mtesijh `e h{aeoiÿj c}aeje y m` eoha~eõeaimj|hu}m sm ms ce k{ijlelh*
Mj m` å{me lm _ej Aif}m`i|h ohj|ij}eahs ohj m`~{hf{eae Beai`ies Ma~{mjlmlh{es y ye shj ?2 u}mfmjm{ej s}s ~{h~ihs ijf{mshs y u}m |imjmj ~`ejmslm o{mom{ s}s aio{h!ma~{mses y a}ochs h|{hs u}mcej ijf{mselh e` am{oelh ekh{e`*
RIRIMJLE Ijrm{siÿj4 ,3<>>>; eshoieoihjms ‟ ; ~{hf{eaes
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C}akm{|h Ef}i{{m lm e oha}jilel lm U}mk{ele Fmj `e Ohae{oe Jfìkm K}f`é ijf{msÿ mj m` ~{hf{lm j}|{ioiÿj y se`}l mj 5993 o}ejlh |mjáe smis lm mlel, lmkilh e u}m |mjáe `e ms|e|}{e y ~msh ljiõh lm o}e|{h eõhs lm mlel* _}s ~el{ms jhlm ijamlie|h u}m m` ohjs}ah lm fe``m|es y o{mj}|{ioihje`ms `m ~m{ai|im{hj o{mom{ y lmse{{h`f{eoies e s} ohj|mjilh lm ~{h|májes y ri|eaijes*
F{eoies e ms|m ~{hf{eae lm `e B}jleoiÿj _}s K} Rmoijhs ohj J}|{m Chfe{ o{moiÿ se`}lek`masm f{el}ÿ lm Keoci``m{ mj m` I^\ lm [mamlihs Keoci``m{ mj Mkejis|m{áe* _}mõe ohj ms|}lie{ ij~e{e ohjrm{|i{sm mj ml}oelh{*
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OE_H LM ÉSI\H
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^{ijoi~ihs lm Lm{mochs C}aejhs
oh`ekh{elh{ms ~{hrmmlh{ms o`imj|ms `e oha}jilel m` amlih eakimj|m y `esmj|ilelms {mf}`elh{es* Mj j}ms|{e Risiÿj Aisiÿj Re`h{ms y j}ms|{h Oÿlifh lmÉ|ioe y Ohjl}o|e mj}joieahs `hs ~{ijoi~ihs u}m f}áej j}ms|{es lmoisihjms lmjmfhoihs y lmso{ikiahs j}ms|{es ~h`á|ioes ohj {ms~mo|h e oele }jh lm j}ms|{hsf{}~hs lm ij|m{és* Lm if}e` aejm{e e |{erés lm j}ms|{e ~h`á|ioe Ohjhtoe e s} O`imj|m lmse{{h``ejlhj}ms|{h jmfhoih lmj|{h lm` ae{oh d}{álioh rifmj|m y |{ekedejlh ohj ~{hrmmlh{mssm{ihs y lm {mohjhoile {m~}|eoiÿj jhs esmf}{eahs lm jh sm{ oÿa~`ioms mjek}shs e hs lm{mochs c}aejhs* Lmj|{h lm j}ms|{hs hkdm|irhs ~e{e m` eõh rmjilm{h ~hlmahs lms|eoe{ m` e~hyhjejoim{h y hfás|ioh u}m Kejoh Fmjm{e` le{å e` ~{iam{ li~`haelh lm Fm{mjoielm HJF h |h{felh mj ejeaå ey}lejlh e` h{|e`moiaimj|h y ~{hmsihje`iteoiÿjlm ia~h{|ej|ms HJF ~ejeamões a}oces lm `es o}e`ms |{ekedej mj ~{h lm `hs
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Elmaås ohj|eahs ohj }j k}tÿj lm oh{{mh m`mo|{ÿjioh ~e{e u}m `hsoh`ekh{elh{ms ~}mlej ceom{ lmj}joies h ~{msmj|e{ iju}im|}lms mj o}e`u}im{ |mae {m`eoihjelh e e é|ioe*
Mj m` ;>55 ohj|ij}eahs h{|e`moimjlh j}ms|{h _is|mae lm Fms|iÿj lm [imsfh Eakimj|e` y _hoie` #_FE_) u}m rm`e ~h{u}m j}ms|{es lmoisihjms o{mli|ioiesohjsilm{mj eo|h{ms lm {imsfh eakimj|e` y shoie` mj|{m `hs ~}j|hs kåsiohs lmejå`isis lm oele ~{h~}ms|e o{mli|ioie* Lm ms|e aejm{e jhs esmf}{eahs lm jhjejoie{ ~{hymo|hs mj hs u}m sm ek}smj hs lm{mochs c}aejhs*
AMLIOIßJ LM [M_]@\ELH_ Mj lirm{ses smooihjms lm j}ms|{h Ijh{am _hoie` sm mjo}mj|{e `e amlioiÿjlm|e``ele lm j}ms|{hs {ms}`|elhs mj |mae lm lm{mochs c}aejhs* ^hlmahslms|eoe{ `es smooihjms lm É|ioe y \{ejs~e{mjoie Oh`ekh{elh{ms O`imj|ms^{hrmmlh{ms y Oha}jilel* Rm{ ^åfijes 3!9 5<!53 59!;5 ;;!;?;<!;= ?;!<9* Ijlioelh{ms [m`mrej|ms lm` F[I4 C[5 C[; C[? C[< C[= C[2 C[6 C[3* Rm{ lm|e``m mj åf* 22 y 26*
^ E O \ HF@HKE@
RE@H[EOIßJ, H@Á\IOE Y HKDM\IRH_ ^e{e Kejoh Fmjm{e` m` |mae lm lm{mochs c}aejhs ms ~{iah{lie` mj m`lmse{{h``h lm j}ms|{h jmfhoih* E~hyeahs ~{hahrmahs y {ms~m|eahs `e~{h|mooiÿj lm ms|hs lm{mochs ~`esaelhs mj `e Lmo`e{eoiÿj ]jirm{se` lm`hs Lm{mochs C}aejhs mj |hles j}ms|{es msm{es lm eooiÿj ohj j}ms|{hs
^[IJOI^IH 54 @es ma~{mses lmkmj e~hye{ y {ms~m|e{ e ~{h|mooiÿj lm hslm{mochs c}aejhs ~{ho`eaelhs mj m` åaki|h ij|m{j eoihje`*
^[IJOI^IH ;4 @es ma~{mses lmkmj esmf}{e{sm lm jh sm{ oÿa~`ioms
mj ek}shs lm `hs lm{mochs c}aejhs*
^EO\
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^[IJOI^IH <4 @es ma~{mses lmkmj m`iaije{ |hles es h{aes lm |{ekedh
h{thsh } hk`ife|h{ih*
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^[IJOI^IH 24 @es ma~{mses lmkmj m`iaije{ e liso{iaijeoiÿjohj {ms~mo|h e` ma~`mh y `e ho}~eoiÿj*
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IA^@MAMJ\EOIßJ Mj m` ;>55 ohj|ij}eahs ~{hahrimjlh m` kimjms|e{ lm j}ms|{hs oh`ekh{elh{mse |{erés lm }j ke`ejom elmo}elh mj|{m |{ekedh y {mo{meoiÿj eoomsh e `ifeslm~h{|ires y m{ies lm se`}l aås lm }j ai``ÿj lm lÿ`e{ms ijrm{|ilhs mjoe~eoi|eoiÿj mj|{m h|{hs* [m~h{|eahs ohj h{f}``h }j ájliom lm {h|eoiÿjse`}lek`m ~e{e `e ijl}s|{ie y `e ~{msmjoie lm }j 29- lm a}dm{ms mj j}ms|{e}m{te ekh{e`*
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^[IJOI^IH 64
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^[IJOI^IH 34 @es ma~{mses lmkmj hamj|e{ `es ijioie|ires u}m~{ha}mrej }je aeyh{ {ms~hjseki`ilel eakimj|e`*
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^{ijoi~ihs lm Ms|åjle{ms @ekh{e`ms
^EO\
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IJBH[AM _HOIE@
KF ;>55
IA^@MAMJ\EOIßJ Mj ;>55 Kejoh Fmjm{e` sm ohjri{|iÿ mj `e ~{iam{e ijs|i|}oiÿj jejoim{e~ejeamõe mj sm{ Aimak{h _ifje|e{ih lm `e Ijioie|ire Bijejoim{e lm` ^{hf{eaelm es Jeoihjms ]jiles ~e{e m` Amlih Eakimj|m #]JM^ BI)* Ohj e {ae lm ms|mlho}amj|h Kejoh Fmjm{e` sm oha~{ham|m e |{ekede{ ~h{ `hs ~{ijoi~ihs lm `ee`iejte k}soejlh ilmj|ioe{ es amdh{ms ~{åo|ioes mj m` smo|h{ y sm{ álm{ mj m`lmse{{h``h lm e lmjhaijele kejoe shs|mjik`m* J}ms|{h _is|mae lm Fms|iÿj lm [imsfh Eakimj|e` y _hoie` ohj|ij}ÿohjsh`ilåjlhsm mj m` ;>55 e~`ioåjlhsm mj es å{mes lm Kejoe Oh{~h{e|ire KejoeOham{oie` Kejoe lm Ijrm{siÿj Kejoe Ij|m{jeoihje` m Ci~h|moes [msilmjoie`ms*
E jirm` ij|m{jh ai|ifeahs j}ms|{e c}m``e eakimj|e` e |{erés lm `e ~{åo|ioelm `es |{ms [4 [ml}ooiÿj [m}|i`iteoiÿj y [moio`edm* Amliahs m` ohjs}ah y m`
{moio`edm lm lim{mj|ms ae|m{ie`ms ms~moie`amj|m m` ~e~m` u}m ms m` lm aås }shmj j}ms|{h jmfhoih* Elmaås `mreahs e oekh }je oea~eõe ohj|ij}e lm ech{{hmjm{fé|ioh y m`mreahs `e ohjoimjoie lm j}ms|{h ~m{shje` ohj {ms~mo|h e ms|hs|maes ohjs|ej|mamj|m e |{erés lm e mmo|ire oha}jioeoiÿj ij|m{je* Ohj j}ms|{hs o`imj|ms ~{hahrmahs m` }sh lm e kejoe m`mo|{ÿjioe ~e{e mri|e{ m`|{ejs~h{|m e s}o}{se`ms m` }sh lm` ~e~m` y lmaås fes|hs lm {mo}{shs* Elmaås ms~m{ai|iahs lhje{ e`f}jhs lm s}s kmjmoihs eo}a}`elhs mj |e{dm|es lm o{éli|h~e{e e lhjeoiÿj lm å{kh`ms* ^e{e ohjhom{ aås lm|e``ms lm `e ia~`mamj|eoiÿj rm{ lm|e``ms mj j}ms|{h Ijh{am_hoie` `es ~åfijes4 ;<!;9*
AMLIOIßJ LM [M_]@\ELH_
Mj `e smooiÿj Amlih Eakimj|m lm` Ijh{am _hoie` sm mjo}mj|{e `e amlioiÿjlm|e``ele lm j}ms|{hs {ms}`|elhs* Rm{ åfijes ;<!;9* Ijlioelh{ms [m`mrej|ms lm` F[I4 MO; MJ53 MJ;2 MJ?> _H=* Rm{ lm|e``m mj ^åf*2? 2< 2= y 26* Ijlioelh{ms lm` _}~`mamj|h shk{m m` _mo|h{ lm _m{rioihs Bijejoim{hs4Lmsma~mõh eakimj|e` lm` F[I4 B5 B; B? B< B= B2 B6 B3 B9 B5> B55 B5;B5?* Rm{ lm|e``m mj ^åf* 29*
RE@H[EOIßJ, H@Á\IOE Y HKDM\IRH_
Kejoh Fmjm{e` ms|å oha~{ham|ilh e `}oce{ ohj|{e `e oh{{ }~oiÿj mj |hles s}sh{aes y msm oha~{haish ms|å ~`esaelh mj j}ms|{e Risiÿj Aisiÿj Re`h{ms y Oÿlifh lm É|ioe y Ohjl}o|e* Mj ms|m Oÿlifh sm lm|e``ej mj|{m h|{es ~h`á|ioes eaejm{e lm mj{mj|e{ `hs ohjbio|hs lm ij|m{és `e ~h`á|ioe lm` {moikh y mj|{mfelm {mfe`hs j}ms|{e jm}|{e`ilel ~h`á|ioe y m` aejmdh y ohjlmjoie`ilel lm `eijh{aeoiÿj* J}ms|{e o}`|}{e oh{~h{e|ire ms|å kesele mj `hs aås e`|hs re`h{msé|iohs y lmj|{h lm `e h{fejiteoiÿj jh sm |h`m{e jijfôj |i~h lm oha~h{|eaimj|hej|i!é|ioh*
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e{e m` ~{ÿiah eõh |mjmahs mj|{m j}ms|{hs hkdm|irhs `e ohj|ij}eoiÿjoe~eoi|eoiÿj e j}ms|{hs oh`ekh{elh{ms mj |maes lm ~{mrmjoiÿj lm {e}lm y m`o}a~`iaimj|h lm j}ms|{h Oÿlifh lm É|ioe y Ohjl}o|e*
IA^@MAMJ\EOIßJ
^hlmahs {m~h{|e{ u}m m` 5>>- lm `hs oh`ekh{elh{ms u}m ijf{msej e` kejohshj oe~eoi|elhs mj m` Oÿlifh lm É|ioe y Ohjl}o|e y ohjhomj e hjlh o}e`ms m` oha~h{|eaimj|h u}m sm ms~m{e lm oele lm }jh lm m``hs* E jirm` lmoha}jioeoiÿj ij|m{je aej|mjmahs m` |mae lm `e é|ioe ohah ~e{|m ij|mf{e` lm`e ohjrm{seoiÿj ohj j}ms|{hs oh`ekh{elh{ms e |hlhs `hs jirm`ms* Mj m` ;>55 ~h{ mdma~`h ~}k`ioeahs smaeje`amj|m {mbmihjms mj `e ij|{ejm| lm` kejoh ohjejéolh|es m cis|h{ies u}m {mse`|e{hj re`h{ms y ~{ijoi~ihs é|iohs*
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Ohj|eahs elmaås ohj }j sis|mae lm Fhkim{jh Oh{~h{e|irh*
^e{e ohjhom{ aås lm|e``ms lm Ia~`mamj|eoiÿj erh{ rm{ es ~åfijes 3!9*
AMLIOIßJ LM [M_]@\ELH_ Mj e smooiÿj É|ioe y \{ejs~e{mjoie lm` Ijh{am _hoie` sm mjo}mj|{e e amlioiÿjlm|e``ele lm j}ms|{hs {ms}`|elhs* Rm{ åfijes 3!9* Ijlioelh{ms [m`mrej|ms lm` F[I 4 _H; _H? _H< _H= _H2* Rm{ lm|e``m mj ^åf* 26*
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^{ijoi~ihs lm Ej|i Oh{{}~oiÿj
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Mj ms|e mlioiÿj cmahs ijoh{~h{elh }je `ájme kåsioe
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Es}j|hs lm se`}l y smf}{ilel o}kim{|hs mjeo}m{lhs bh{ae`ms ohj sijlioe|hs*
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
BH[AEOIßJ YML]OEOIßJ
^ [I JO I E @ @ E5 >^{hamlih lm ch{es lm bh{aeoiÿj e` eõh ~h{ma~`melh, lmsf`hselh ~h{ oe|mfh{áe lmma~`melh*
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
BH[AEOIßJ YML]OEOIßJ
ELIOIHJE@ @E55
^{hf{eaes lm fms|iÿj lm ceki`ilelms ylm bh{aeoiÿj ohj|ijôe u}m bhamj|mj `ema~`meki`ilel lm hs |{ekedelh{ms y u}m`ms e~hymj mj `e fms|iÿj lm` je` lm s}soe{{m{es ~{hbmsihje`ms*
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
BH[AEOIßJ YML]OEOIßJ ELIOIHJE@ @E5;
^h{omj|edm lm ma~`melhs u}m {moikmjmre`}eoihjms {mf}`e{ms lm` lmsma~mõh y lmlmse{{h``h ~{hbmsihje`*
Lmsma~mõh
lm ^{åo|ioes@ekh{e`ms y é|ioelm` |{ekedh
LIRM[_ILEL M
IF]E@LEL LMH^H[\]JILELM_
^[IJOI^E@ @E5?
Oha~hsioiÿj lm `hs ÿ{fejhs lm fhkim{jh
oh{~h{e|irh y ~`ej|i``e, lmsf`hselh ~h{ smh,f{}~h lm mlel, ~m{|mjmjoie e aijh{áes yh|{hs ijlioelh{ms lm lirm{silel*
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
LIRM[_ILEL MIF]E@LEL LM
H^H[\]JILELM_^ [I JO I E @ @ E5 <
[m`eoiÿj mj|{m se`e{ih kesm lm `hs chak{msohj {ms~mo|h e` lm `es a}dm{ms, lmsf`hselh~h{ oe|mfh{áe ~{hbmsihje`*
Lmsma~mõhlm Lm{mochs
C}aejhs
^[ÅO\IOE_ LMIJRM[_IßJ Y
EKE_\MOIAIMJ\H^[IJOI^E@ C[5
^h{omj|edm y jôam{h |h|e` lm eo}m{lhslm ijrm{siÿj sifjioe|irhs u}m ijo`}yejo`å}s}`es lm lm{mochs c}aejhs h u}mceyej silh hkdm|h lm ejå`isis mj ae|m{ie lmlm{mochs c}aejhs*
\I^H LM IJLIOELH[ E_^MO\H OE\MFH[ÁE O@ERM LM_O[I^OIßJ LM@ IJLIOELH[ ^ÅFIJE
Lmsma~mõheakimj|e`
MAI_IHJM_,RM[\ILH_ Y[M_IL]H_
ELIOIHJE@ MJ;<
^msh lm `hs {msil}hs |{ejs~h{|elhs,ia~h{|elhs, m~h{|elhs h |{e|elhs u}m smohjsilm{ej ~m`if{hshs smfôj e o`esioeoiÿjlm` Ohjrmjih lm Kesi`me, ejmhs I, II, III yRIII y ~h{omj|edm lm {msil}hs |{ejs~h{|elhsij|m{jeoihje`amj|m*
Jh E~`ioe
Lmsma~mõheakimj|e`
MAI_IHJM_,RM[\ILH_ Y[M_IL]H_
ELIOIHJE@ MJ;=
Ilmj|ioeoiÿj, |eaeõh, ms|elh lm~{h|mooiÿj y re`h{ lm kihlirm{silel lm{mo}{shs cál{iohs y cåki|e|s {m`eoihjelhs,ebmo|elhs sifjioe|ireamj|m ~h{ rm{|ilhslm ef}e y ef}es lm msoh{{mj|áe lm `eh{fejiteoiÿj ijbh{aej|m*
Jh E~`ioe
Lmsma~mõheakimj|e`
^[HL]O\H_ Y_M[RIOIH_
^ [IJ OI^E @ M J; 2Ijioie|ires ~e{e ai|ife{ `hs ia~eo|hseakimj|e`ms lm `hs ~{hl}o|hs y sm{rioihs, yf{elh lm {ml}ooiÿj lm msm ia~eo|h*
;<!;9
Lmsma~mõheakimj|e`
^[HL]O\H_ Y_M[RIOIH_
^[IJOI^E@ MJ;6
^h{omj|edm lm ~{hl}o|hs rmjlilhs, ys}s ae|m{ie`ms lm make`edm, u}m shj{mo}~m{elhs e` je` lm s} rile ô|i`, ~h{oe|mfh{áes lm ~{hl}o|hs*
Jh E~`ioe
Lmsma~mõheakimj|e`
O]A^@IAIMJ\HJH[AE\IRH ^ [IJ OI^E @ M J; 3
Ohs|m lm `es a}`|es sifjioe|ires yjôam{h lm sejoihjms jh ahjm|e{ies ~h{ijo}a~`iaimj|h lm `e jh{ae|ire eakimj|e`*
;2
Lmsma~mõheakimj|e`
\ [E J_ H [\ M E LI OI HJ E@ MJ;9
Ia~eo|hs eakimj|e`ms sifjioe|irhs lm`|{ejs~h{|m lm ~{hl}o|hs y h|{hs kimjms yae|m{ie`ms }|i`itelhs ~e{e es eo|irilelms lm`e h{fejiteoiÿj, esá ohah lm` |{ejs~h{|m lm~m{shje`*
Jh E~`ioe
Lmsma~mõheakimj|e` FMJM[E@ ELIOIHJE@ MJ?>
Lmsf`hsm ~h{ |i~h lm` |h|e` lm fes|hs mijrm{sihjms eakimj|e`ms*
JhLis~hjik`m
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
MA^@MH ^[IJOI^E@ @E5 Lmsf`hsm lm` oh`mo|irh lm |{ekedelh{ms ~h{|i~h lm ma~`mh, ~h{ ohj|{e|h y ~h{ {mfiÿj*
5<!5=
Lmsma~mõh
lm ^{åo|ioes@ekh{e`ms y é|ioelm` |{ekedh
MA^@MH ^[IJOI^E@ @E;Jôam{h |h|e` lm ma~`melhs y {h|eoiÿjamlie lm ma~`melhs, lmsf`hselhs ~h{f{}~h lm mlel, smh y {mfiÿj*
5<!5=
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
MA^@MH ELIOIHJE@ @E?
Kmjmoihs shoie`ms ~e{e `hs ma~`melhs ohj dh{jele oha~`m|e, u}m jh sm hb{momj e `hsma~`melhs |ma~h{e`ms h lm amlie dh{jele,lmsf`hselh ~h{ eo|irilel ~{ijoi~e`*
5<!53
Lmsma~mõhlm ^{åo|ioes
@ekh{e`ms y é|ioelm` |{ekedh
[M@EOIHJM_MA^[M_E(
\[EKEDELH[M_^[ IJO I E@ @E < ^h{omj|edm lm ma~`melhs o}kim{|hs ~h{ }j
ohjrmjih oh`mo|irh*=3
F@HKE@[M^H[\IJF
5/17/2018 Informe Social 2011-Banco General - slidepdf.com
http://slidepdf.com/reader/full/informe-social-2011-banco-general 36/39
IJBH[AM _HOIE@
KF ;>55
\I^H LM IJLIOELH[ E_^MO\H OE\MFH[ÁE O@ERM LM_O[I^OIßJ LM@ IJLIOELH[ ^ÅFIJE
Lmsma~mõhlm Lm{mochs
C}aejhs
^[ÅO\IOE_ LMIJRM[_IßJ Y
EKE_\MOIAIMJ\H^[ IJ OI^E@ C[ ;
^h{omj|edm lm hs ~{ijoi~e`ms lis|{ik}ilh{msy ohj|{e|is|es u}m cej silh hkdm|h lmejå`isis mj ae|m{ie lm lm{mochs c}aejhs, yamliles elh~|eles ohah ohjsmo}mjoie*
;?
Lmsma~mõhlm Lm{mochs
C}aejhs
^[ÅO\IOE_ LMIJRM[_IßJ Y
EKE_\MOIAIMJ\H ELIOIHJE@ C[?
\h|e` lm ch{es lm bh{aeoiÿj lm `hsma~`melhs shk{m ~h`á|ioes y ~{homliaimj|hs{m`eoihjelhs ohj eu}m``hs es~mo|hs lm hslm{mochs c}aejhs {m`mrej|ms ~e{e s}seo|irilelms, ijo`}ymjlh m` ~h{omj|edm lmma~`melhs bh{aelhs*
53, 25
Lmsma~mõhlm Lm{mochs
C}aejhs
JHLI_O[IAIJEOIßJ ^[ IJO I E@ C[<
Jôam{h |h|e` lm ijoilmj|ms lmliso{iaijeoiÿj y amliles elh~|eles*
3!9#Oÿlifhlm É|ioe)
Lmsma~mõhlm Lm{mochs
C}aejhs
@IKM[\EL LM E_HOIEOIßJY OHJRMJIH_OH@MO\IRH_
^[IJOI^E@ C[=
Eo|irilelms lm `e oha~eõáe mj `es u}mm` lm{moch e `ikm{|el lm eshoieoiÿj y lmeohfm{sm e ohjrmjihs oh`mo|irhs ~}mlejoh{{m{ ia~h{|ej|ms {imsfhs, y amlileselh~|eles ~e{e {ms~e`le{ ms|hs lm{mochs*
=3!=9
Lmsma~mõhlm Lm{mochs
C}aejhs
MS^@H\EOIßJIJBEJ\I@
^[IJO I E@ C[2
Eo|irilelms ilmj|iboeles u}m ohj`mrej}j {imsfh ~h|mjoie` lm ijoilmj|ms lmm~`h|eoiÿj ijbej|i`, y amliles elh~|eles~e{e ohj|{ik}i{ e s} m`iaijeoiÿj*
;<!;2,=3!=9
Lmsma~mõhlm Lm{mochs
C}aejhs
\[EKEDH_BH[TELH_
^[IJOI^E@ C[6
H~m{eoihjms ilmj|ioeles ohah lm {imsfhsifjioe|irh lm sm{ h{ifmj lm m~ishlihslm |{ekedh bh{telh h jh ohjsmj|ilh, y `esamliles elh~|eles ~e{e ohj|{ik}i{ e s}m`iaijeoiÿj*
JhLis~hjik`m
Lmsma~mõhlm Lm{mochs
C}aejhs
^[ÅO\IOE_ LM_MF][ILEL ELIOIHJE@ C[3
^h{omj|edm lm` ~m{shje` lm smf}{ilelu}m ce silh bh{aelh mj `es ~h`á|ioes h~{homliaimj|hs lm `e h{fejiteoiÿj mjes~mo|hs lm lm{mochs c}aejhs {m`mrej|ms~e{e `es eo|irilelms*
JhLis~hjik`m
Lmsma~mõhlm Lm{mochs
C}aejhs
LM[MOCH_ LM @H_IJLÁFMJE_ ELIOIHJE@ C[9
Jôam{h |h|e` lm ijoilmj|ms {m`eoihjelhsohj rih`eoihjms lm `hs lm{mochs lm `hsijláfmjes y amliles elh~|eles*
3!9, 22!26
Lmsma~mõh lm_hoimlel OHA]JILEL ^[IJOI^E@ _H5
Je|}{e`mte, e`oejom y mbmo|irilel lm~{hf{eaes y ~{åo|ioes ~e{e mre`}e{ y
fms|ihje{ `hs ia~eo|hs lm `es h~m{eoihjmsmj `es oha}jilelms, ijo`}ymjlh mj|{ele,h~m{eoiÿj y se`ile lm `e ma~{mse*
JhLis~hjik`m
Lmsma~mõh lm_hoimlel
OH[[]^OIßJ ^[IJOI^E@ _H;^h{omj|edm y jôam{h |h|e` lm }jilelms lmjmfhoih eje`iteles ohj {ms~mo|h e {imsfhs{m`eoihjelhs ohj `e oh{{}~oiÿj*
JhLis~hjik`m
Lmsma~mõh lm_hoimlel
O H[ [] O Iß J ^ [IJ OI^E @ _H?^h{omj|edm lm ma~`melhs h{aelhs mj `es~h`á|ioes y ~{homliaimj|hs ej|i!oh{{}~oiÿjlm `e h{fejiteoiÿj*
3, 25
\I^H LM IJLIOELH[ E_^MO\H OE\MFH[ÁE O@ERM LM_O[I^OIßJ LM@ IJLIOELH[
Lmsma~mõh lm_hoimlel OH[[]^OIßJ ^[IJOI^E@ _H<
Amliles |haeles mj {ms~}ms|e e ijoilmj|mslm oh{{}~oiÿj*
Lmsma~mõh lm_hoimlel
^H@Á\IOE ^ÔK@IOE ^[IJOI^E@ _H=^hsioiÿj mj `es ~h`á|ioes ~ôk`ioes y~e{|ioi~eoiÿj mj m` lmse{{h``h lm `es aisaesy lm eo|irilelms lm ‐`hkkyijf‑*
Lmsma~mõh lm_hoimlel
^H@Á\IOE ^ÔK@IOE ELIOIHJE@ _H2
Re`h{ |h|e` lm `es e~h{|eoihjms jejoim{es y mjms~moim e ~e{|ilhs ~h`á|iohs h e ijs|i|}oihjms{m`eoihjeles, ~h{ ~eásms*
#Oÿlifh lm é|ioe)
Lmsma~mõh lm_hoimlel
OHA^H[\EAIMJ\HLM OHA^M\MJOIE
LM_@ME@ ELIOIHJE@ _H6
Jôam{h |h|e` lm eooihjms ~h{ oe}ses{m`eoihjeles ohj ~{åo|ioes ahjh~h`ás|ioesy ohj|{e `e `ik{m oha~m|mjoie, y s}s{ms}`|elhs*
Lmsma~mõh lm_hoimlel
O]A^@IAIMJ\HJH[AE\IRH
^[IJOI^E@ _H3
Re`h{ ahjm|e{ih lm sejoihjms y a}`|essifjioe|ires y jôam{h |h|e` lm sejoihjmsjh ahjm|e{ies lm{ireles lm` ijo}a~`iaimj|hlm `es `myms y {mf}`eoihjms*
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
_E@]L Y_MF][ILEL LM@
O@IMJ\M^[IJOI^E@ ^[5
Besms lm` oio`h lm rile lm `hs ~{hl}o|hsy sm{rioihs mj `es u}m sm mre`ôej, ~ e{e mjs} oesh sm{ amdh{elhs, `hs ia~eo|hs lm`hs aisahs mj `e se`}l y smf}{ilel lm `hso`imj|ms, y ~h{omj|edm lm oe|mfh{áes lm~{hl}o|hs y sm{rioihs sifjioe|irhs s}dm|hs e|e`ms ~{homliaimj|hs lm mre`}eoiÿj*
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
_E@]L Y_MF][ILEL LM@
O@IMJ\M ELIOIHJE@ ^[;
Jôam{h |h|e` lm ijoilmj|ms lm{irelhs lm`ijo}a~`iaimj|h `e {mf}`eoiÿj `mfe` h lm `hsoÿlifhs rh`}j|e{ihs {m`e|irhs e `hs ia~eo|hslm `hs ~{hl}o|hs y sm{rioihs mj `e se`}ly `e smf}{ilel l}{ej|m s} oio`h lm rile,lis|{ik}ilhs mj b}joiÿj lm` |i~h lm {ms}`|elhlm liochs ijoilmj|ms*
Lmsma~mõh lm `e[ms~hjseki`ilel
shk{m ~{hl}o|hs
M\IU]M\ELH LM^[HL]O\H_ Y
_M[RIOIH_
^[IJOI^E@ ^[?
\i~hs lm ijbh{aeoiÿj shk{m `hs ~{hl}o|hsy sm{rioihs u}m shj {mu}m{ilhs ~h{ `hs~{homliaimj|hs mj rifh{ y `e jh{ae|ire, y
~h{omj|edm lm ~{hl}o|hs y sm{rioihs s}dm|hse |e`ms {mu}m{iaimj|hs ijbh{ae|irhs*
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
M\IU]M\ELH LM^[HL]O\H_ Y
_M[RIOIH_ ELIOIHJE@ ^[<
Jôam{h |h|e` lm ijo}a~`iaimj|hs lm `e{mf}`eoiÿj y lm `hs oÿlifhs rh`}j|e{ihs{m`e|irhs e `e ijbh{aeoiÿj y e` m|iu}m|elhlm `hs ~{hl}o|hs y sm{rioihs, lis|{ik}ilhsmj b}joiÿj lm` |i~h lm {ms}`|elh lm liochsijoilmj|ms*
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
M\IU]M\ELH LM^[HL]O\H_ Y
_M[RIOIH_ ELIOIHJE@ ^[=
^{åo|ioes ohj {ms~mo|h e `e se|isbeooiÿj lm`o`imj|m, ijo`}ymjlh `hs {ms}`|elhs lm `hsms|}lihs lm se|isbeooiÿj lm` o`imj|m*
F@HKE@[M^H[\IJF
5/17/2018 Informe Social 2011-Banco General - slidepdf.com
http://slidepdf.com/reader/full/informe-social-2011-banco-general 37/39
IJBH[AM _HOIE@
KF ;>55
[MBM[MJOIE IJLIOELH[ EOH[LELH ^
B5Lmso{i~oiÿj lm `es ~h`á|ioes amliheakimj|e`ms e~`ioeles e `es`ájmes lm jmfhoih kåsioes* ;<!;
B; Lmso{i~oiÿj lm `hs ~{homshs ~e{e mre`}e{ y ohj|{h`e{ `hs {imsfhsamliheakimj|e`ms mj `es `ájmes lm jmfhoih kåsioes*
;
B?Ms|ek`moiaimj|h lm `hs }ak{e`ms e ~e{|i{ lm `hs o}e`ms sm e~`ioej`hs ~{homliaimj|hs lm mre`}eoiÿj lm {imsfhs amliheakimj|e`ms eoele `ájme lm jmfhoih kåsioe*
;
B<Lmso{i~oiÿj lm `hs ~{homshs lm ia~`mamj|eoiÿj y o}a~`iaimj|h~h{ ~e{|m lm `hs o`imj|ms lm `hs es~mo|hs amliheakimj|e`mslm|mo|elhs mj `hs ~{homshs lm mre`}eoiÿj lm {imsfhs*
;
B=Lmso{i~oiÿj lm `hs ~{homshs ~e{e amdh{e{ `e oha~m|mjoie lm`hs ma~`melhs e `e ch{e lm ekh{le{ `hs {imsfhs y h~h{|}jilelmsamliheakimj|e`ms*
;
B2Jôam{h y b{mo}mjoie lm `es e}li|h{áes u}m ijo`}ymj m` meamjlm `hs sis|maes y ~{homliaimj|hs lm {imsfhs amliheakimj|e`msrijo}`elhs e `es `ájmes lm jmfhoih kåsioes*
;
B6Lmso{i~oiÿj lm `es ij|m{eooihjms ohj o`imj|ms ( shoimlelms~e{|ioi~eles ( shoihs ma~{mse{ie`ms ohj {ms~mo|h e `hs {imsfhs yh~h{|}jilelms amliheakimj|e`ms*
;
B3^h{omj|edm y jôam{h lm oha~eõáes aej|mjiles lmj|{h lm `eoe{|m{e lm `e mj|ilel ohj `es u}m `e h{fejiteoiÿj ijbh{aej|m ceij|m{rmjilh mj o}ms|ihjms amliheakimj|e`ms*
;
B9^h{omj|edm lm eo|irhs s}dm|hs e }j ohj|{h` amliheakimj|e`~hsi|irh, jmfe|irh y lm mom`mjoie* Jh L
B5>Lmso{i~oiÿj lm `e ~h`á|ioe lm rh|h mj ae|m{ies amliheakimj|e`mse~`ioek`m e `es eooihjms shk{m `es u}m `e h{fejiteoiÿj ijbh{aej|m~hsmm lm{moch lm rh|h h {mohamjleoiÿj lm rh|h*
Jh L
B55^h{omj|edm lm eo|irhs kedh fms|iÿj shk{m `hs u}m `e h{fejiteoiÿjijbh{aej|m lis~hjm lm eooihjms ohj lm{moch e rh|h h{mohamjleoiÿj lm rh|h*
Jh L
B5;Re`h{ ahjm|e{ih |h|e` lm ~{hl}o|hs y sm{rioihs ms~moáohsamliheakimj|e`ms lmsf`hselhs ~h{ `ájmes lm jmfhoih kåsioes* ;
B5? Re`h{ lm `e oe{|m{e ~e{e oele `ájme lm j mfhoih lmsf`hselh ~h{{mfihjms y smo|h{ms ms~moáohs*
Jh L
IJLIOELH[M_ LM@ _]^@MAMJ\H _HK[M M@ _MO\H[ LM _M[RIOIH_ BIJEJOIM[H_4LM_MA^MÕH EAKIMJ\E@
F@HKE@[M^H[\IJF
\I^H LM IJLIOELH[ E_^MO\H OE\MFH[ÁE O@ERM LM_O[I^OIßJ LM@ IJLIOELH[ ^ÅFIJE
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
OHA]JIOEOIHJM_LM AE[GM\IJF
^[IJOI^E@ ^[2
^{hf{eaes lm o}a~`iaimj|h lm `es `myms helcmsiÿj e ms|åjle{ms y oÿlifhs rh`}j|e{ihsamjoihjelhs mj oha}jioeoihjms lmae{gm|ijf, ijo`}ilhs `e ~}k`ioilel, h|{eseo|irilelms ~{hahoihje`ms y `hs ~e|{hoijihs*
;5
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
OHA]JIOEOIHJM_LM AE[GM\IJF
ELIOIHJE@ ^[6
Jôam{h |h|e` lm ijoilmj|ms b{}|h lm`ijo}a~`iaimj|h lm `es {mf}`eoihjms {m`e|irese `es oha}jioeoihjms lm ae{gm|ijf,ijo`}ymjlh `e ~}k`ioilel, `e ~{hahoiÿj y m`~e|{hoijih, lis|{ik}ilhs mj b}joiÿj lm` |i~hlm {ms}`|elh lm liochs ijoilmj|ms*
;>
Lmsma~mõh lm `e[ms~hjseki`ilelshk{m ~{hl}o|hs
^[IREOILEL LM@O@IMJ\M
ELIOIHJE@ ^[3
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5/17/2018 Informe Social 2011-Banco General - slidepdf.com
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5/17/2018 Informe Social 2011-Banco General - slidepdf.com
http://slidepdf.com/reader/full/informe-social-2011-banco-general 39/39
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