The history of a bank is marked by the credibility that it has been able to construct over its existence. BDMG, committed to its values and to the society in which it is inserted, adopts a strict policy with regard to risk management. With high standards of control and models for calculation and monitoring, the bank seeks to control its risks and offer more efficient results to all stakeholders.

Risk management is closely aligned with the strategic guidelines of BDMG’s operations and is committed to the Bank’s ethical conduct and reliability standards. Always seeking the convergence of internal methodologies and models with the Basel Agreements and compliance with the recommendations of the Regulatory Bodies, in harmony with the best risk management practices.

The BDMG Risk Management mission is to administer the risks related to credit, the market, liquidity and operations, with the objective of mitigating these risks and optimizing its operational effectiveness and its results. BDMG adopts practices designed for superior risk management, maintaining control standards, with a capital adequacy ratio higher than the minimum required in Brazil, of 11%.


Structure of Internal Controls and Risk Management

BDMG has calculation models for all the risks to which it is exposed, with a management environment for their monitoring and mitigation. The records of the exposures are identified in management’s explanatory notes to the financial statements.

The BDMG Risk Management Structure has the full support of top management in the establishment of policies and exposure limits and risk concentration, examining and deciding upon the models and procedures for determination of the risks.


Operational risk management (Portuguese Version)
Management of market risk (Portuguese Version)
Management of credit risk (Portuguese Version)
Regulatory Capital 2013 (Portuguese Version)
Management of liquidity risk (Portuguese Version)​​​