Large fee (negotiated) to be financed and equipment accredited by BNDES 2) Computer and automation goods 3,976 16.0% Medium 3,128 12.6% TJLP (7.5%) + fee (2%) + Financial agent fee (negotiated) ---------or-------- 70% TJLP + 30% Market rate Benchmarks + BNDES fee (2%) + financial agent fee (negotiated) 11,125 44.7% Large TOTAL 24,884 100% AUTOMATICO 3 main credit lines (1 for MSMEs; 1 for MLE/LEs - Priority Sectors; and 1 for MLE/LEs - Other Sectors) 2 4,254 36.2% Micro TJLP (7.5%) + BNDES fee (1.6%) + financial agent fee (negotiated) Investments project financing equal to or below R$20 million Investments for implementation, expansion, recovery, and modernization of fixed assets as well as research, development, and innovation in the sectors of industry, infrastructure, trade, services, agriculture, forestry, fisheries, and aquaculture. Priority Sectors: capital goods industry; generation of renewable energy and energy renewable steam (biomass, solar and other alternative sources); rail and waterborne transport modes; water supply, sanitary drainage, industrial effluents and waste and municipal solid waste; and structuring projects for urban mobility Specific financing items include: studies and projects; civil works; assemblies and installations; furniture and utensils; training; pre-operating expenses; new national machinery and equipment accredited by the 1,149 9.8% Small 1,613 13.7% Medium 1,065 9.1% TJLP (7.5%) + BNDES fee (2%) + financial agent fee (negotiated) ---------or-------- 70% (50%) TJLP + 30% (50%) Market rate Benchmarks + BNDES fee (2%) + financial agent fee (negotiated) 3,661 31.2% Large 11,742 100%
Other fees may apply others); 3) domestic manufactured aircraft and civil aircraft engines and parts, associated parts and services 5,620 100% 82.8% SUBTOTAL 2 - 0.0% 0.0% TJLP (7.5%) + fee (1.6%) + financial agent fee (negotiated) ---------or-------- LIBOR + BNDES fee (0,4% - 1,35%) + financial agent fee (negotiated) Depends on the credit line; may go up to 5 years 1 0.1% 0.0% Small 35 2.9% 0.5% Medium 140 11.9% 2.1% TJLP (7.5%) + BNDES fee (2%) + financial agent fee (negotiated) ---------or-------- LIBOR + BNDES fee (0,4% - 1,35%) + financial agent fee (negotiated) 995 85.1% 14.7% Large 1,170 100% 17.2% SUBTOTAL TOTAL 6,790 100% CAPITAL MARKET (Mercados de Capitais) Modalities: - Direct investment in - Investment funds - Corporate debt securities 1 direct 7 0.2% Micro BNDES, through its wholly owned subsidiary BNDES Participações SA (BNDESPAR), supports Brazilian firms through equity instruments in addition to its financing products Resources from BNDESPAR are intended for business that are in accordance with the strategic guidelines and priorities of BNDES and intended to finance: 1) investments in fixed assets; 2) working capital for firm development; 3) research and development; 4) consolidations, mergers and acquisitions, where the scale and scope arising from consolidation are important to drive further growth; 5) growth 1 0.0% Small 198 6.7% Medium 61 2.1% 2,680 90.9% Large 2,947 100.0%
restructure and stretching debts GRANTS (NÃO REEMBOLSÁVEL) - FUNTEC - FUNDO SOCIAL - RESTAURAÇÃO ECOLÓGICA - FUNDO CULTURAL 1 direct 136 36.7% Micro Non-refundable support (grant) for social, cultural, environmental, or innovation/ technological development projects aimed at generating employment and income Financeable items include: 1) fixed investments; 2) acquisition of machinery and equipment, including the purchase of machinery and equipment imported in national similar acquired domestically and used machinery and equipment; 3) training; 4) working capital; 5) expenses; and 6) other items that are considered essential to the achievement of support goals established by the Social Funds 53 14.3% Small 94 25.3% Medium 19 5.2% 68 18.5% Large TOTAL 370 100% MICRO CREDIT (MICRO CRÉDITO) Modalities: - Entrepreneur - Microcredit institution 1 direct 3 0.9% Micro Up to 4%/month, including all charges Directly negotiated with borrower Entrepreneur: Financing of up to R$20,000 to formal and informal microentrepreneurs Microcr. Institution: Funding from R$1 million to microfinance institutions wishing to be transfer agents of the BNDES Microcredit Program Working capital and investments in works, purchase of machinery and new or used equipment, and purchase of supplies and materials. 5 1.6% Small 10 3.3% Medium - 0.0% TJLP (7.5%) + BNDES fee (1.5%) + risk fee (0.1%) Amortization: 6-8 years; Grace: 3-5 years 287 94.2% Large TOTAL 304 100% FINAME LEASING 2 - 0.0% Micro TJLP (7.5%) + BNDES fee (2%) + financial agent fee (negotiated) 5-10 years depending on the item Financing the purchase of machinery, equipment, computer, and automation goods intended for financial or operating leases The following may be financed: 1) Machinery & equipment; 2) Computer and automation goods. 1 2.2% Small 2 6.6% Medium 2 8.4% 20 82.9% Large TOTAL 24 100% operating