BES and Financial Literacy

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BES and Financial Literacy

One of the challenges facing the banking sector is that of helping to improve the level of people’s financial knowledge and to promote the adoption of appropriate behaviour in order to foment people’s well-being and the stability of the financial system.

By setting up the Financial Literacy Programme, BES is assuming its role as an institution that regulates its positioning and management by principles of sustainability and corporate citizenship, helping to educate a new generation of better informed consumers of financial services that has better analysis and decision-making skills.

In this regard, BES’ work in Financial Literacy can be looked on as being based on 3 pillars:

No Banco da Escola

(On the School Bench)

Launched in 2006
More than de 200 Schools and 12.000 children covered.

Launched in 2011
On-line platform containing up-to-date, pedagogical and practical content.

Micro Poupança

(Micro Savings)

Launched in 2011
Savings solution that rounds up debits from everyday expenditure and revertsthis to a savings account.

Portuguese Math Olympics

Launched in 2006
More than 42.000 pupils covered.

Orçamento Familiar

(Family Budget)

Launched in 2011
Tool included in BESnet that helps support families in their efforts to manage their budget.

Poupança BES Júnior

(BES Junior Savings)

Launched in 2004
Mopre than 60.000 subscribers.

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Pedagogical Process
Training courses for children aimed at stimulating a liking for mathematics. This comprises 2 initiatives: On the School Bench and the Portuguese Mathematics Olympics.

Personal Finances
Financial Literacy for the Portuguese population, which aims to inform not only BES’ clients but the Portuguese population in general, through the b-a-bes on-line platform, about the concepts and language frequently associated to financial products and markets, in a simple, fun and intuitive way.

Commercial Products
Micropoupança (Microsaving) and Poupanças BES Júnior (BES Junior Savings) – Two innovative savings concepts that aim to help to promote the habit of saving among the Portuguese.

Microsaving products - The purpose of this product is to create saving habits in people who generally believe they do not have the capacity to save. This is how it works: with the client’s agreement, the bank rounds up the amounts debited for daily expenses, and the difference is deposited in a saving account. The Client may cancel this service at any time, as well as define in which accounts the savings are to be deposited.
The revenue generated by this product represents 1,03% of the total of deposits of Retail segment.

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