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Policies / Procedures
Committed to the SDGs of the 2030+ Agenda, as well as the GRI indicators, we leverage our zero tolerance policies and actions to any form of discrimination and work and sexual harassment with related support material. That is how we demonstrate constant accompaniment to our employees and leaders, incorporating guidelines and protocols of action, trainings, accompaniment services provided by highly qualified personnel, to prevent and avoid this type of behavior within and outside the organization. Therefore, we generate strong, stable, harmonious and free working relationships from any bias, contributing to our corporate purpose of achieving well-being for ALL.
Employees' demographic analysis
In this section you will find the demographic analysis of employees at the corporate level, and the detail of each of its variables, in topics such as: gender, age, position level, nationality, minorities, nature of the position, and others.
The objective is to reflect the diversity of our employees and how we contribute to society in the generation of jobs with equal opportunities for everyone.
Human Resources demographics goals
Emotional Variables of Grupo Bancolombia
Diverse Bank: Bancolombia
Within the objectives of the equity, diversity and inclusion work plan, we are working on the evaluation of the employee’s experience as part of our Human Management processes in the light of diversity. It includes adjusting the legal framework in the processes and also generating tools to enable living in a culture without discrimination. To know our program, “Bancolombia Diversa”.
Labor Practice Indicators
Training and Human Capital Development
Talent Attraction & Retention
Health and Well-being
Our corporate culture and strategy promote well-being and self-care. These characteristics define us; employees, family members, suppliers, customers, shareholders, and visitors experience them daily. Based on the Occupational Health and Safety Policy , following each country’s national legislation in which we operate, we design and implement actions facilitating the balance between work and personal life, promoting physical, mental, and social health, developing healthy lifestyles.
Comprehensive Management of Occupational Health and safety:
- Risk assessment and work-related hazards.
- Prevention of incidents, accidents, illnesses, and emergencies at work.
- Continuous improvement accompanied by senior management.
How Do We Do It?
- We frequently measure priority risks, using our methodology, in the financial sector, such as: biological, biomechanical, mechanical, psychosocial, public, and traffic, which impact employees’ health and safety. Providers accompanied by occupational health and safety experts (ergonomists, psychologists, and OSH engineers) measure the risks. Using those results, we design and implement controls to prevent those risks from materialization.
- The Senior Management of our organization monitors the status of these risks and the progress in their control using a dashboard of indicators of the Occupational Health and Safety Management System. Also, the internal and external audit area monitors compliance with our different legal obligations, ensuring respect for human rights, decent work, and providing sustainability and well-being to all our employees, family members, suppliers, customers, shareholders, and visitors.
How Do We Measure It?
- Applying system measurement instruments.
- Using the result of the psychosocial risk factors assessment.
- Using the result of the satisfaction survey #YTuQuéDices.
- Using accident rates and absenteeism due to health.
- Risk and hazard matrix.
Learn more about occupational health and safety actions based on the:
Tab 2 Safe and Healthy Work Environment:
General Management, Medellin, Antioquia, Colombia
Floor 10 D, gallery
Atrio Branch, Bogotá
- Work environments that stimulate positive emotions.
- Fitness center at our main headquarters.
- Breastfeeding rooms.
- Training programs in physical, mental, and emotional health, emergency care, and road safety.
- Workstation assessment.
- Posts about well-being care content.
- Protected area service for urgent and emergency medical care.
- Agile work models using innovation methodologies.
- Flexible hours and ways of working.
- Physical spaces for first aid care.
- Restaurants, cafeterias, and lunch areas.
How Do We Do It?
- We strive for a safe and healthy work environment that meets the standards of ergonomics, lighting, noise, air quality, temperature, humidity, and a review of the design of our workstations. We monitor these conditions periodically, allowing us to identify, analyze and reduce occupational risks in these environments. As a result, employees develop continuous improvement processes promoting and protecting their health, developing self-care behaviors, and facilitating their and their families’ well-being.
How Do We Measure It?
- Using the result of the psychosocial risk factors assessment.
- Using the result of the satisfaction survey #YTuQuéDices.
- Workstation assessment.
- Using accident rate and absenteeism due to health.
- Risk and hazard matrix.
- Using participation percentage in training and activities.
Tab 3 Health And Well-Being Promotion:
- Health and well-being portfolio: active breaks, physical strengthening and relaxation activities, nutrition, cancer prevention, among others.
- Prevention, evaluation, monitoring of health conditions, and returning to work.
- Executive medical check-up.
- Psychological counseling line.
- Program “Gestar Desde el Amor” [Gestating with love] accompaniment in the paternal and maternal roles.
- Fitness centers.
- Entertainment and recreation activities.
- Incentives for high performance, granting days off, or participating in events.
- Bereavement support.
- Special rate credits to acquire housing, vehicle, education, or unrestrictive use.
- Benefits and allowances for education, birth or adoption of children, purchase of lenses or refractive surgeries, notary, educational expenses, and death of a relative.
- Agreements with national and international companies with exclusive discounts and health and well-being experiences.
- Insurance and health policies, home, vehicle, and dental plans for the employee and his family.
- Promotion of financial health through a mutual savings fund and financial advice.
- Accompaniment to the elderly before and after the retirement stage.
- Participation in campaigns of the Bancolombia Foundation.
- Scholarships focus on strategic knowledge for the organization.
- Training schools and accompaniment of technical and soft skills.
- We have a school, Fundación Centenario Banco de Colombia, for the employees’ children, located in the city of Bogotá.
Employees Testimonials
"Program starts with me"
- It has changed my life. It has helped me a lot in how I consciously feel and think: Deisy, Analyst, one year in the organization.
- I found the solution working out. I have improved my diet, have less fatigue and pain in my knees, and am more aware of consuming more nutrients: María, Financial Advisor, one year in the organization.
“Financial Advice”
- I want to share with you the interview I had with the creator of the program Crecer, Emprender —a friend from New York with whom I took some training under the tutoring of an Argentinian coach. I quite remembered the advice from the organization because the interview result was the product of many courses. An utmost valuable one, the Bank gave it to me, and it immensely helped me to develop my project further. A hug and thanks a million for the contributions that were very valuable to me: Lya, Analyst, 21 years in the organization.
- Executive checks-ups: “Thanks to Bancolombia’s invitation, I have been participating in the executive check-up program. This program has helped me understand that my health depends mainly on me and my lifestyle habits. It has also allowed me to set up a routine and follow-ups to assess my health status permanently and the impact my lifestyle habits bring.
I invite all Group employees to take advantage of the different programs offered by this Department for the benefit of each one of us."
- Enrique, Vice President, 19 years in the organization.
- Gym: “Having a healthy lifestyle is the foundation of quality of life. Exercising and eating well are vital elements to feeling and looking good. Developing a healthy lifestyle lies in being committed, dedicated, and constant. And this leads to important effects such as good health, increased energy, vitality, a better mood, stress reduction and better rest.”: Marcela, Analyst III, eight years in the organization.
- Flexible schedule: “Having a flexible work schedule has allowed me to better plan the activities I need to complete each day and better control my personal life. Thanks to this, I have more time to spend with my family and do other activities that I enjoy, allowing me to balance my work and personal life.
- Claudia, Administrative Assistant, 25 years in the organization.
- Active breaks: “Active breaks have helped me reduce the stress, tension, and fatigue that my body accumulates. They satisfy me as they bring rest to both my body and mind. For this reason, I often take active breaks at different times during my shift. I always encourage my work team to participate in them when they invite us, thinking of their health too”.
- María, Head of Section, 18 years in the organization.
Financial Inclusion
Our Strategy
We want to help and contribute to improving the lives of our clients, including people, families and businesses, building an adequate proposal of value for the segments that until now have not been served by the financial sector or our current clients that, given their social and economic characteristics, require a financial model suitable for them.
Our strategy focuses on democratizing and examining the Bank through various financial inclusion programs that aim to achieve:
- The growth of customers in which the Bank is their first financial experience. Getting to the Base of the Pyramid – Banking Services
- Improve customer experience with an adequate value proposal which facilitates access and use.
- Geographical expansion
- Financial education to bring the bank closer to the lives of customers
- Social growth as a responsibility of the whole Country
Challenges for our strategy
- Continue to be the market leader faced with new competitors.
- How can we achieve an efficient and relevant business model to reach the rural sector?
- Support the objective of reducing cash from 11.7% to 8.5% by 2018.
- Sustainable growth of the credit business.
- Focus of value proposal on communities both in Colombia and abroad.
- Banking outlets as a trade network
- Financial education as a prerequisite for responsible use and customer recommendation.
- Growth of services for micro-entrepreneurs in the traditional network.
- Deepen the relation with our current customers.
What we have learned
This is what we have learned about financial inclusion. It has become the basis to build our golden rules:
- Customers’ interests come first, otherwise unreliability increases!
- Teaching about finance is key, not secondary.
- Inclusion also looks to the future: new technologies.
- New competitors are welcome but competition must be regulated for the benefit of the customer.
- Communities are fundamental for ensuring sustainable growth: credit alone does not address the customer’s needs.
- The maximum fees for financing prevent more inclusion from assets.
- Taxes imposed on the use of money in the financial system promote the culture of unlawful cash.
- Public–private commitment is fundamental for real and efficient progress.
- Partnerships are key for efficiency and flexibility.
- The holistic view of the inclusion environment ensures that both those in the country and those who are abroad are included.
Highlights of our financial inclusion
Regulatory framework
- It began with “microcredit” in the year 2000.
- Law 590 of 2000, through which the special micro-finance methodology of “Microcredit” is recognized, and which is supported by the MSME commission for micro, small and medium-sized enterprises High Council for Micro-enterprises that regulates the payment of commission.
- Introduction of Decree 1133 of 2006 which facilitates Banking Correspondents./li>
- The Electronic Savings Accounts were created in 2008 with Decree 4590 and then Supervision began regulating the Simplified Process in 2010.
- 2012… Regulation of Banking Outlet services develops:
- Introduction of Decree 2672 of 2012 and Notice 029 of the financial monitoring body, Superfinanciera.
- Then the External Notice of the Superintendencia Financiera issued a notice on the marketing of products and services over the internet.
- In 2014, Small Amount Credit was created, with Decree 2654 of 2014 and Law 1731 of 2014 was introduced, aiming to reactivate financing for the Agrocultural Sector.
- Law of Financial Inclusion: Law 1735 of October 21, 2014.
- In 2015, the Intersectoral Commission for Financial Inclusion is created through Decree 2338.
- Decree 2076 of 2017 allowed simplified processing savings accounts, such as Ahorro a Mano, to receive subsidies, regardless of the amount.
We promote financial inclusion
Several years ago, we identified the various needs of those who are part of remote communities and regions, such as saving or getting credit to solve the unforeseen problems that arise in daily life, or to make their personal dreams or those of their families come true, such as buying property, investing in their businesses, going on vacation or giving their children Christmas and birthday presents.
Indicators
These are the numbers that show us that it is possible to bring financial solutions with benefits to people and places that need it most.
- Total balance of savings at the hand accounts: $33.503.029.886.
- Current portfolio balance of Bancolombia of Microcredit: $ 629.730.884.062
- Average of dollars received in family remittances (USD): 209.081.876
- Number of savings accounts open for Colombians abroad: 5.241.
- Share of the family remittances market: 45%.
- Total mortgage payments from Colombians abroad: COP 249.576 Millions.
- Income from family remittance: COP 93.658 Millions.
Social Benefits
- % of Share of banked individuals served by the Savings on Hand product: 19%.
- % of women customers of the savings on hand product: 59,99%.
- People impacted by Bancolombia Microcredit: 44.788.
- People impacted by Family remittances: 301.414 per month.
- People receiving service in a banking Correspondent: 3.123.858.
- Number of savings at hand product accounts: 772.561.
- People we have treated with selling products in rural populations:
- Farmers trained in financial education through an agreement with the institution Banco2: 2.145.
- # of persons benefited with Low amount credit: 9.475
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