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In Brazil, this market has grown rapidly, with major institutions such as
Bradesco allocating more than R$350 billion since 2021 to activities Bradesco is one of
with social and environmental benefits – a target established to Brazil’s largest financial
guide and monitor the expansion of sustainable finance within the institutions, integrating
bank’s portfolio. The process often involves close advisory work to help sustainability into its
companies establish credible frameworks, define targets and report business strategy. It
outcomes in line with international standards. supports clients in the
transition to a low-carbon
These advances are not limited to large corporations. Sustainable economy through financial
finance in Brazil has also reached local entrepreneurs, cooperatives inclusion, advisory and
and rural producers through credit lines and inclusion programs. This sustainable finance
multilevel approach — from major issuances to community-based solutions, combining
finance — is what gives the Brazilian case its distinctiveness. technical innovation,
transparency and long-
Local Presence, Global Lessons term partnerships to
The intersection between finance and conservation becomes visible create positive economic,
in the Amazon, where banking presence and partnerships can social and environmental
reshape local economies. In communities such as Tumbira, access to outcomes.
microcredit, financial education and digital services has enabled new
income sources linked to sustainable resource management.

Bradesco’s long-term partnership with the Fundação Amazônia
Sustentável (FAS) exemplifies how collaboration and local
engagement can generate lasting impact: the bank has invested
over R$129 million across 17 years in initiatives that promote
financial inclusion, entrepreneurship and forest conservation. These
experiences demonstrate how inclusive finance can act as a lever for
development and climate resilience simultaneously.
Fabiana Costa, Sustainability
Superintendent at Bradesco,
For banks like Bradesco, which combine sustainable finance
leads the institution’s ESG
strategies with on-the-ground partnerships, such experiences
strategy and performance,
provide tangible insights into how finance can unlock transformation
promoting its integration into
when aligned with local needs and measurable outcomes. the business. With over 20
years in the financial sector,
Towards COP30 and Beyond she works on structuring
The lessons emerging from Brazil’s financial sector are particularly sustainable businesses,
relevant ahead of COP30. They show that the transition to a low- climate finance and solutions
carbon economy is not an abstract goal — it requires technical for the low-carbon transition.
She is an economist from
capacity, regulatory stability and collaboration across the entire
PUC-SP, with an MBA from
value chain.
Fipe-USP, a master’s in
Sustainability from FGV and
The financial sector has a critical role to play turning commitments executive training in ESG
into scalable models that connect investors, regulators and from Saint Paul. Co-author
communities. The Brazilian experience demonstrates that when of the book Sustainable
inclusion, innovation and measurement converge, finance becomes Business, she is recognized
one of the most powerful tools for real climate action. for her strategic leadership
and active presence in
forums that drive corporate
sustainability in Brazil.

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