For the Environmental and Social Risk Analysis, we have identified specific sectors in which projects are evaluated, even when they are lower than the amount proposed by the Equator Principles: 

• Mining: Other mining activities and coal extraction.

• Hydrocarbons and gas: refineries, exploration, and extraction of oil, gas, fuel, and lubricants.

• Energy: Hydroelectric plants, SHPs, thermoelectric plants, and transmission lines.

• Infrastructure: Roads and ports.

• Cement: Iron and steel, concrete, and brick plants.

• Tannery.

• Chemicals and agrochemicals.

• Palm oil.

It should be noted that there are other productive sectors besides those mentioned that also have environmental and social risks that may affect the payment of financial obligations.

Additionally, they are subject to authorizations, approvals, licenses, and environmental permits by local and national authorities.  These sectors are: 

• Transportation and storage of hazardous substances.
• Animal slaughter facilities.
• Animal feed production plan.
• Sugar plantations.
• Animal farms for commercial purposes.
• Drinking water and basic sanitation (sewage and sanitation).
• Food sector.
• Health sector.
• Poultry and swine farming.
• Clothing and textile plants.
• Forestry activities.
• Fishing and tuna.

The Environmental and Social Risk process can be applied to these sectors upon the direct request of business leaders, attribution entities, and credit risk leaders.

In addition, we apply general clauses and specific environmental and social commitments (covenants), considering the recommendations provided by Equator Principles for the contractual figures focused on the bank's businesses and other lines of business.