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LETTER FROM THE
CHAIRMAN
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LETTER FROM THE
CHAIRMAN
A constantly evolving bank.
In an environment marked by difficult economic circumstances, which influences both the demand for credit by customers and the supply in the sector, MicroBank has continued to expand its activities, increasing the volume of microcredits made and the amount lent. A particular highlight here is the growth in transactions aimed at financing projects by entrepreneurs and microenterprises.
The difficulty of the situation has resulted in a fall in demand and in a reduction in the average value of credit applied for, but also in the appearance of new categories of entrepreneur seeking self-employment as an alternative to a labour market which is unable to offer opportunities.
Once again, a recession situation may involve adverse consequences, but also potential opportunities, and the important thing is for the financial sector to do its job of providing the resources needed to confront the difficulties and take advantage of the opportunities which arise.
As MicroBank’s core activity has been successfully consolidated after five years of growth, we have decided to pay special attention to the most environmentally aware people and projects, for which reason we have begun to develop a specific range of products, both deposit accounts and microcredits, which make a positive contribution to the environment.
In this way we hope to be able to offer a response not only to the financial needs not met by the traditional financial system, but also to those people and businesses that, together with their bank, want to contribute to a more socially and environmentally sustainable setting.
In the awareness that the future will inevitably bring a resurgence in ethical and ecological values in our society, MicroBank is expanding its activities through a social and environmental banking model, run in accordance with the code of values and ethical principles of society.
.Mr. José Francisco de Conrado, MicroBank
Director Mr. José Francisco de ConradoChairman of MicroBank
“ At MicroBank we have begun to develop a specific range of products, both deposit accounts and microcredits, which make a positive contribution to the environment. ”
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