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This allows us to strengthen our relationship with clients and improve the efficiency and profitability of our operations. Maintain asset quality in our loan portfolio. We are constantly seeking to improve our models for credit risk management and our economic forecasts and scenario modeling.

In the last four years, we focused on the improvement of our asset quality by increasing credit selectivity, changing our loan portfolio mix, and prioritizing the offer of less risky products, such as payroll and mortgage loans, reducing the origination of higher risk portfolios, such as vehicle loans.

Maintain a solid capital base. We implement a prospective approach regarding capital management. Our approach is comprised of the following phases:. At the end of December , our Basel Ratio was These indicators provide evidence of our effective loss-absorbing capacity. This ratio identifies high liquidity assets to cover outflows net that the institution may be subject to under a strict standard stress scenario considering a day period. In , we acquired Develop strong relationships with our clients based on client segmentation.

We believe that our client segmentation tools and strategies provide us with an important competitive advantage developed over the course of more than 25 years. As part of our reorganization conducted in , we merged our Commercial Bank — Retail segment with our Consumer Credit — Retail segment and created the Retail Banking segment.

Transform client experience through technology. Digital trends evolve on an exponential basis. Every day, new ways of doing business and using and exploring content emerge. At the same time, people are increasingly more open to experience the world in other ways by means of technology. We have been very active in the discussions on blockchain - the technology underlying digital and encrypted currencies — in the Latin American financial segment.

We are convinced that this technology may provide solutions that bring more efficiency to our business and better experiences to our clients.

In April , we were the first Latin American company to enter into a partnership agreement with R3, the international innovation startup that brings together more than 70 of the largest financial institutions in the world to contribute to the international effort for the development and implementation of innovative solutions for the market based on shared ledger technologies, which are based on blockchain.

We have been studying blockchain and analyzing how this technology can change the financial industry and its business models. The bank has been improving its data processing and deepening its Data Lake, a massive repository of data capable of storing, processing and distributing with high performance, various types of information.

We believe that the development of solutions that provide for integrated views of clients allows us to identify what they are going through in their lives and, for this reason, these solutions are essential for us to predict their needs and segment them in a more precise manner.

We also have new talented professionals among our employees. The work of this team, in addition to improving the analysis of credit, risk, offer and fraud models, aims to provide mechanisms for the automation of processes and algorithms of our systems, products and channels.

In September , Cubo completed one year of operation as an important technological entrepreneurship center in Brazil during this year, it promoted connections that were essential to leverage businesses, ideas and initiatives of a new generation of entrepreneurs and digital startups.

Context of this report. This consolidated annual report unifies the content of our major annually released reports, such as the consolidated annual report on Form F, the consolidated annual report, and the Offering Memorandum for the Medium-Term Note Program, or MTN Program.

The consolidated annual report on Form F, filed with the U. The consolidated annual report describes our strategy, structure, activities and operations, using plain and straightforward language to be clear to all audiences who may consult this consolidated annual report.

This consolidated annual report contains data from January 1, to December 31, , presenting our corporate and business structure, governance and financial performance, among other matters. Any potential changes or impacts on the data collected as a result of certain transactions, the acquisition or sale of assets, or any important change for the business are indicated throughout this report. The consolidated annual report is divided into the following sections: i Context, ii Our profile, iii Our governance, iv Our risk management, v Performance, and vi Attachments.

Documents on display. We are subject to informational requirements under the U. Securities Exchange Act of , as amended, for foreign private issuers. Accordingly, we are required to file reports and other information with the SEC, including consolidated annual reports on Form F and reports on Form 6-K.

In addition, the SEC maintains an Internet website at www. The CVM maintains an Internet website at www. Investors may receive a hard copy of this consolidated annual report, including our complete audited financial statements for the last fiscal year, free of charge, by requesting a copy from our Investor Relations department, by e-mail, at investor. Comments and suggestions regarding this report may be sent to the same e-mail. Additionally, acronyms used repeatedly, technical terms and specific market expressions in this consolidated annual report are explained or detailed in the section Attachments, item Glossary, as are the full names of our main subsidiaries and other entities referenced in this consolidated annual report.

The reference date for the quantitative information for balances found in this consolidated annual report is as of December 31, and the reference date for results is the year ended December 31, , except where otherwise stated.

Our fiscal year ends on December 31 and, in this consolidated annual report, any reference to any specific fiscal year is to the month period ended on December 31 of that year.

The information found in this consolidated annual report is accurate only as of the date of such information or as of the date of this consolidated annual report, as applicable. Our activities, the situation of our finances and assets, the results of transactions and our prospects may have changed since that date. This document contains information, including statistical data, about certain markets and our competitive position.

Except as otherwise indicated, this information is taken or derived from external sources. We indicate the name of the external source in each case where industry data are presented in this consolidated annual report.

We cannot guarantee the accuracy of information taken from external sources, or that, in respect of internal estimates, a third party using different methods would obtain the same estimates as the estimates we present in this report. Information contained in or accessible through the websites mentioned in this consolidated annual report does not form part of this report unless we specifically state that it is incorporated by reference and forms part of this report. All references in this report to websites are inactive textual references and are for information only.

Forward-looking information. This consolidated annual report contains statements that are or may constitute forward-looking statements within the meaning of Section 27A of the United States Securities Act of , as amended, and Section 21E of the United States Securities Exchange Act of , as amended. We have based these forward-looking statements largely on our current expectations and projections about future events and financial trends affecting our business.

These forward-looking statements are subject to risks, uncertainties and assumptions including, among other risks:. We undertake no obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.

In light of these risks and uncertainties, the forward-looking information, events and circumstances discussed in this consolidated annual report might not occur. Our actual results and performance could differ substantially from those anticipated in such forward-looking statements.

About our financial information. All consolidated financial information related to the years , , , and included in this report were prepared in accordance with IFRS. Our consolidated financial statements as of December 31, and and for the three years ended December 31, , and were audited by PricewaterhouseCoopers Auditores Independentes, an independent auditors, as stated in its report in section Performance, item Financial Performance in this report.

O ur profile. In numbers. The following selected financial data must be read in conjunction with the section Performance item Results and Complete Financial Statements in IFRS included in this consolidated annual report.

The data presented in the tables below have been derived from our complete financial statements for the years presented, which have been prepared in accordance with IFRS as issued by IASB, unless otherwise indicated. Selected consolidated ratios. On November 9, we disclosed the succession of the current CEO, in accordance with the established transition process planned and announced to the market over two years ago. We also announced a series of changes to our Executive Committee.

Please refer to section Our Governance, item Our Directors and Executive Officers for further details about the changes to our management. In October , our stockholders were granted one new share for each ten shares of the same class.

This average price also includes settlement and brokerage fees. The share baixarback process is aimed at i maximizing the capital allocation through the efficient application of available funds, ii arranging for the delivery of shares to our employees and members of our management and that of our subsidiaries under the scope of remuneration models and long-term incentive plans; and iii using the shares acquired if business opportunities arise in the future.

Cancellation of treasury shares. In June , after obtaining regulatory approvals, we cancelled million of our non-voting treasury shares, with no change to our capital stock. The acquisition of our shares, with their subsequent cancellation increases the stockholder's interest percentage in our capital and, should the net income and the distribution of earnings percentage be maintained, it will enable a higher return on dividends and interest on capital to remaining shareholders.

The balance of treasury shares reached 69,, non-voting shares in December , equivalent to 2. Additionally, in January , we repurchased 6. It is important to note that the net payout range is subject to changes due to mergers and acquisitions, changes in tax regulation, regulatory changes and significant changes in risk-weighted assets RWA.

Events that may change the net payout described above are not exhaustive, that is, they are examples of situations that may affect payout. The net payout range is subject to changes, but always considers the minimum distribution provided for in our Bylaws. If we consider the consolidated net income, the payout was increased from Mergers, acquisitions and partnerships.

Credit Intelligence Bureau. Therefore, all the required regulatory approvals have been obtained. Acquisition of Recovery do Brasil Consultoria S. In March , after obtaining regulatory authorization, we consummated the acquisition of i BTG and 7.


Such members are appointed according to the ownership interest of each of such parties, and we have the right to elect the majority of the members elected by this block. In October , we acquired In January , we executed an amendment to the transaction agreement, which provided for i the postponement of the date of acquisition of the shares held by Corp Group in Banco CorpBanca Colombia S. Alliance with MasterCard in the payment solutions market in Brazil.

Sale of group life insurance business. In September , we entered into an agreement for the sale of our group life insurance operations to Prudential do Brasil Seguros de Vida S. The transfer of shares and the financial settlement of this transaction will take place after compliance with certain conditions provided for in the agreement. This transaction reinforces our strategy, which has already been disclosed, to focus on mass-market insurance products that are typically related to retail banking.

Acquisition of Citibank retail business in Brazil. We estimate that the impact on our principal capital Tier I resulting from this transaction would be approximately 40 basis points utilizing the Basel III methodologies.

The completion of this transaction is subject to compliance with certain conditions, including obtaining approvals from the Central Bank of Brazil and CADE.

We have maintained our position as the leading institution among privately-held banks in this segment. In , we received a series of awards and acknowledgements helping to strengthen our reputation.

A few of our most significant awards and acknowledgements are listed below:. It is organized by Communication Director magazine, a European quarterly publication, headquartered in Germany, targeting global decision makers in the areas of corporate communications, public relations and public affairs. Its international coverage reaches all five continents. This award is organized by Trade Finance, the financial news and operation analysis service unit of Euromoney.

The winners receive the IF quality seal, a symbol acknowledged globally as the apex of excellence in the market. The International Visual Identity Awards is an independent competition, not related to any media large company or corporation. It was designed by people with a passion for good design and has a partnership with Left Bank. This was the third edition of the award. Rede was acknowledged in the B2B channels category. Subsequent events. On April 19, , the following changes in the composition of the Board of Directors were proposed and approved at the Annual and Extraordinary General Meeting:.

In order to fulfill his vacancy in the Board of Directors, was elected Marco Bonomi, the General Retail Manager until late , who has reached the limit age for performing executive functions after 22 years in the Company. This entity eventually became Unibanco.

In , Alfredo Egydio transferred the management to his nephew Olavo Setubal, who counted on the support of the founder's son-in-law, Eudoro Villela, in this new venture.

The two organizations also shared the same close relationship with their clients by understanding their needs and their economic circumstances, thereby allowing the institutions to support businesses expansion by means of innovative services.

Pioneering in the dissemination of the use of technology to process banking transactions and services offered to clients, the two institutions made heavy investments in automation and support of modern operational centers. Moreover, the expansion on the basis of mergers, acquisitions and incorporations is another constant characteristic of the evolution of both banks.

After nine decades of history, we continue to follow the principles and values of those who laid the foundations of what we are and, like them, we remain focused on the future to build a better world for future generations.

For this reason, sustainability is a concept that permeates our organization and is widespread in our culture. Today we are one of the largest banks in the world with international operations and deep roots in Latin America. Our commitment to Brazil leads us to serve as an agent of transformation of the society by working for great causes, such as culture, education, sports and urban mobility, continuously seeking the common good and contributing to the country's development.

Driven by the change in the context of our businesses, by customer requirements and the transformation in the organization, in , we saw the need to underscore a series of attitudes in our culture known as Our Way Nosso Jeito.

Since then, Our Way has evolved into seven attitudes, comprising the means whereby we intend to achieve our vision: To be the leading bank in sustainable performance and customer satisfaction. The launch of Our Way took place at the Meeting among Leaders, which year after year constitutes one of the principal initiatives we use for reinforcing our culture.

Held annually since , the objective of this event is to align the leadership of the organization with our strategy, ensuring the commitment and continuous engagement of our employees. In , the event had an audience of leaders and as its core theme, Digital Culture. In addition to the Meeting, other initiatives were adopted for disseminating our culture:. In , there were five award categories leadership, innovation, efficiency, risk management and customer satisfaction with 40 winners.


Alignment to Our Way Survey: a survey designed to evaluate the degree of alignment of the employees with the attitudes of our culture. In , we launched the survey following the announcement of Our Way at the Meeting among Leaders. We had a total of 40, respondents out of the 85, employees invited to take part.

The tables below show the total number of employees for the years ended December 31, , and , segmented by region Brazil and abroad and operating unit:. The Turnover Rate is the ratio of employees hired to employees terminated either voluntarily or involuntarily in a given period.

We monitor this rate on a monthly basis and submit it to the Executive Committee the criteria used do not include employees outside of Brazil, apprentices, expatriates, disability retirees, officers and interns.

The total employees at the end of the period considers employees at the beginning of the period plus the hiring of employees minus the employee terminations. The Connecting Opportunities Program. Following discussions, the employee will participate in a career initiative process covering such aspects as preparing a résumé, interviewing postures and activating networking.

In this way, the employee is given the support to ensure best performance during the process. In addition, the employee receives a guide with information, roles and responsibilities during the Connecting Opportunities Program. The selection team works jointly with the managers responsible for the vacancy in which the employee is interested.

In , most of the employee terminations occurred in the age group between 30 and 50 years old and the hiring of employees in the age group below 30 years old. We have adopted market parameters and compensation strategies, which vary according to the business area of each employee. We periodically verify these parameters through the commissioning of salary surveys conducted by specialized consultants, participation in surveys conducted by other banks, as well as participation in specialized forums on compensation matters. - Erro, Baixar Grátis, Como Reparar | DLL Pedia

Employees' fixed compensation changes according to the policy on promotion and merit, which takes into consideration the seniority of the employees and their performance when carrying out their duties. The variable compensation, in turn, acknowledges the level of dedication, the results achieved and the short-term, medium-term and long-term sustainability of such results.

In addition, employees are entitled to receive salary adjustments and are entitled to profit sharing, pursuant to the collective bargaining agreements applicable in the relevant jurisdictions. Our share-based profit-sharing plan, specifically designed for managers and senior managers, acknowledges those who stood out during the relevant year. Of the total granted, one-third vests each year over a period of three years after the award, which is made in the coming year immediately after the performance year to which it relates.

The preferred shares or share-based instruments are delivered on the same date as the final portion of the profit-sharing payment, as determined in the relevant collective bargaining agreements. Compensation based on shares is not proportional to working time. We also have an institutional program called Partners Program, comprised of members of management and employees, in each case approved by our Personnel Committee, who had outstanding performance.

Eligible employees are entitled to use part or their total annual variable compensation to purchase our preferred shares Own Shares. If they hold the ownership of these Own Shares for three- and five-year terms as from the initial investment, the return on investment will be made through the receipt of our preferred shares Partners Shares , also for three- and five-year terms. These Partners Shares will subsequently remain unavailable for five- and eight-year terms as from the initial investment in Own Shares.

The Partners Program may also consider other instruments derived from shares as opposed to actual shares. We provide several benefits established in the relevant collective bargaining agreements with unions, which represent many categories of employees. There are additional benefits, such as: i medical and dental care plans; ii private pension plans; iii group life insurance; iv psychosocial services; and v personalized treatment in the use of banking products and services.

We have a permanent channel for dialog with the labor unions representing all our employees in various professional categories. Respect, transparency and a direct relationship are among the principles involved in our dealings with these entities. These activities are executed with a focus on innovative and negotiated solutions to minimize possible differences and areas of conflict involving our employees. We guarantee our employees the right of free association with labor unions and recognize the rights and privileges of those that may be elected to executive positions in labor unions in accordance with prevailing Brazilian legislation and the collective labor agreements for each professional category to which we are party.

In addition, we permit labor unions to hold membership campaigns. We maintain our commitment to prioritize collective negotiations and a permanent agenda of matters to be discussed with labor unions. Such an agenda allows us to resolve conflicts efficiently and underscores our commitment to a permanent and direct relationship with the entities representing the employees. All our employees in Brazil enjoy the support of collective labor agreements which guarantee rights over and above those provided under the labor legislation in addition to other benefits that may be granted to our employees of a non-recurring nature and in line with our policies.

As in previous years, these work stoppages affected Brazilian banks generally since the labor action took place across the entire domestic financial system. During the collective bargaining negotiations with the bank employee unions, the financial sector experienced a business day strike with an average impact of During the bank employee wage negotiations in , strike action lasted five business days, impacting our branches on an average of All these labor manifestations and strikes affecting our branches have a partial impact only on our business since at least some branches are able to open during the day and the entire network is never brought to a complete halt.

In this context, it. This has made a significant contribution to minimizing the effects of strike action on our operations.

Our brand aims to promote positive changes in the lives of people and in society. Our efforts to foster financial education permeate our entire organization and encourage people to have a more balanced relationship with their money by choosing the best type of credit and by planning their investments more efficiently. Our responsibility for the development of the nation is at the very heart of our brand, which is why, in addition to the transformation that is inherent in our core business, we also invest in projects related to education, culture, sports and urban mobility.

This is the 13th consecutive year in which we have been at the top of this ranking. The issomudaomundo thischangestheworld platform, which guides our causes and our investments in various projects, continues to illustrate our institutional campaigns.


This year, with the Leia para uma criança Read to a child campaign, we reached an impressive milestone: over 3 million books were offered, including braille books. Our capacity to inspire and engage people can also be seen on social media.

We publish a series of articles and videos that express our point of view and tell stories that encourage people to implement positive changes in their lives. In , we reached over million views, which means we remain the largest Brazilian brand channel on YouTube and the largest in the world from the financial sector.

Social media is increasingly important to our strategy. This year, we achieved over 8 million fans on Facebook.


We have the largest Facebook community of any bank in the world and one of the largest fan bases of any Brazilian brand, according to Socialbakers. We also have approximately thousand followers on Instagram.

We continue to monitor all of our social media profiles 24 hours a day, seven days a week. We are the owners of patents and patent applications in Brazil and abroad for a method for generating a virtual keyboard for entry of a security code or user PIN number. Applications related to this patent are still pending analysis in Brazil, Uruguay and Venezuela.

In Brazil, the effective term for protection of invention patents is 20 years from the date when the patent application is made.

The effective terms and requirements for extension of patents outside of Brazil depend on the laws of each country or region where a patent is registered. Johnston is controlled by members of the Moreira Salles family. Ownership Structure. Please refer to www. The main terms and conditions of the agreement are described below.

Johnston for each one of these bodies. Johnston cannot be transferred to third parties until November 3, Transfer of control and increase of interest in the share capital. However, according to Brazilian regulation all such transactions must be carried out in accordance with procedures established by CMN and be previously approved by the Central Bank. Additionally, our Bylaws establish the same price rule for the holders of our preferred shares.

Such legislation also requires our controlling stockholders to make a tender offer for all of our shares if they increase their interest in our share capital to a level that materially and negatively affects the liquidity of our shares. We provide integrated financial services and products to our clients through a variety of distribution channels. In addition to our traditional portfolio of banking products, we offer products such as insurance, investments, foreign exchange and brokerage.

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Our portfolio of corporate products suitable for large companies is managed by our wholesale banking segment. Our distribution network is divided into i standard channels: branches, Customer Site Branches -CBSs banking service centers located at certain corporate clients , Automatic Teller Machines, ATMs, and telephones; and ii digital channels: internet, mobile and SMS banking. The volume of banking transactions carried out through internet and mobile channels has grown significantly in recent years.

Our branch network serves as a distribution network for all of the products and services we offer to our clients. As of December 31, our standard branch network reached 3, branches. We have 45 branches in Brazil, especially refurbished for shopping malls, with a new visual identity and service proposal. The spaces present a new concept of client service, with a differentiated layout inspired by the design of a retail store.

Focusing on the relationship with the client as a way to strengthen contact with the public, these branches are open from 12 p.

Furthermore, we have reached digital branches as of December , which aligns with our Digital Channels strategy. Similarly, we also implemented changes in service hours for certain branches located in commercial hubs, which now open at 8 a. This initiative was designed to adapt our services to the routines of our clients. The range of services provided at CSBs may be the same as those provided at a full service branch, or more limited according to the size of a particular corporate client and its needs.

CSBs represent a low-cost alternative to opening full service branches. In addition, we believe CSBs provide us with an opportunity to target new retail clients while servicing corporate clients and personnel. ATMs are low-cost alternatives to employee-based services and give us points of service at significantly lower costs than branches.

Our clients may conduct almost all account-related transactions through ATMs. Since , we have made differentiated services available to certain registered clients.

In addition to services available to our clients in general, these registered clients are able to withdraw funds and check current account balances and statements just by using biometric technology. Biometrics enables these registered clients to carry out transactions with fingerprint identification, without typing a password or using a card, providing more security and convenience for our clients.

Digital channels internet and mobile banking. In a digital and wireless world, technology is now part of everyday life. Mobile is the fastest growing channel, rapidly becoming the most relevant one for individuals. With respect to small and middle-market companies, desktop internet still remains the most used channel.

In face of these challenges, we have continuously been transforming our customers digital experience, offering convenience through services and products to our individual and corporate clients, such as money transfers, payments, credit, investments, insurance and others.

Our focus is to provide more and more completion of services in mobile banking just like the services we provide for internet banking and keep improving user experience in our digital channels to make them even more intuitive and accessible to our customers. Our business. Through these operational segments, we provide a broad range of banking services to a diverse client base that includes individuals and corporate clients, on an integrated basis as follows:.

The Retail Banking segment offers services to a diversified base of account holders and non-account holders, individuals and companies. The Retail Banking segment represents an important funding source for our operations and generates significant financial income and banking fees.

Corporate activities include providing banking services to large corporations and investment banking activities include offering funding resources to the corporate sector, including fixed and variable income instruments.

The Activities with the Market and Corporation segment manages interest income associated with our capital surplus, subordinated debt surplus and the net balance of tax credits and debits, as well as net interest income from the trading of financial instruments through proprietary positions, management of currency interest rate gaps and other risk factors, arbitrage opportunities in the foreign and Brazilian domestic markets, and mark-to-market of financial instruments.

This segment also includes our interest in Porto Seguro.


We carry out a wide range of operations outside of Brazil with units strategically located in the Americas, Europe and Asia. Our international presence creates significant synergies in foreign trade finance, in the placement of Eurobonds and in the offering of more sophisticated financial transactions to our clients.

The diversification of our business is reflected in the changing composition of our loan portfolio over the last few years, focusing in origination on lower risk segments with increased guarantees. We are constantly seeking to implement and focus on the offer of new products and services that add value to our clients and diversify our sources of income, allowing for growth of our non-financial income arising mainly from banking service fees, income from bank charges and from insurance, pension plan and capitalization operations.

Some details of our loan portfolio and services are presented as follows:. Credit cards and Commercial agreements. Through proprietary and partnership operations with major retailers, telephone carriers, automakers and airline companies established in Brazil, we offer a wide range of credit and debit cards to more than We are focusing our efforts to continually grow our credit cards portfolio, improve its profitability, manage our asset quality and pursue satisfaction of our clients.

Accordingly, our credit card division focuses on the development of new products, the assessment of our partnerships, and the control of the credit quality of our portfolio and on a more efficient cost management. In we pioneered the launch of an alternative model in Brazil that made credit cheaper for our consumers by developing Itaucard 2.

Since its launch, we have issued more than 6. The sale process for the card was developed in partnership with Netshoes with instant customer evaluation technology and segmented product offering.

In July , we entered into an agreement with Multiplus, one of the largest companies in the rewards and loyalty programs, for the launch of a co-branded credit card, with the proposal being the best option for accumulating market points. Sofern einer der oben genannten Gründe zutrifft und eine betroffene Person die Löschung von personenbezogenen Daten, die bei der F. Kriebus gespeichert sind, veranlassen möchte, kann sie sich hierzu jederzeit an einen Mitarbeiter des für die Verarbeitung Verantwortlichen wenden.

Der Mitarbeiter der F. Kriebus wird veranlassen, dass dem Löschverlangen unverzüglich nachgekommen wird. Wurden die personenbezogenen Daten von der F. Kriebus wird im Einzelfall das Notwendige veranlassen. Jede von der Verarbeitung personenbezogener Daten betroffene Person hat das vom Europäischen Richtlinien- und Verordnungsgeber gewährte Recht, von dem Verantwortlichen die Einschränkung der Verarbeitung zu verlangen, wenn eine der folgenden Voraussetzungen gegeben ist:.

Sofern eine der oben genannten Voraussetzungen gegeben ist und eine betroffene Person die Einschränkung von personenbezogenen Daten, die bei der F. Kriebus gespeichert sind, verlangen möchte, kann sie sich hierzu jederzeit an einen Mitarbeiter des für die Verarbeitung Verantwortlichen wenden.

Kriebus wird die Einschränkung der Verarbeitung veranlassen. Jede von der Verarbeitung personenbezogener Daten betroffene Person hat das vom Europäischen Richtlinien- und Verordnungsgeber gewährte Recht, die sie betreffenden personenbezogenen Daten, welche durch die betroffene Person einem Verantwortlichen bereitgestellt wurden, in einem strukturierten, gängigen und maschinenlesbaren Format zu erhalten.

Zur Geltendmachung des Rechts auf Datenübertragbarkeit kann sich die betroffene Person jederzeit an einen Mitarbeiter der F. Kriebus wenden. Jede von der Verarbeitung personenbezogener Daten betroffene Person hat das vom Europäischen Richtlinien- und Verordnungsgeber gewährte Recht, aus Gründen, die sich aus ihrer besonderen Situation ergeben, jederzeit gegen die Verarbeitung sie betreffender personenbezogener Daten, die aufgrund von Art.

Dies gilt auch für ein auf diese Bestimmungen gestütztes Profiling. Kriebus verarbeitet die personenbezogenen Daten im Falle des Widerspruchs nicht mehr, es sei denn, wir können zwingende schutzwürdige Gründe für die Verarbeitung nachweisen, die den Interessen, Rechten und Freiheiten der betroffenen Person überwiegen, oder die Verarbeitung dient der Geltendmachung, Ausübung oder Verteidigung von Rechtsansprüchen.

Verarbeitet die F. Kriebus personenbezogene Daten, um Direktwerbung zu betreiben, so hat die betroffene Person das Recht, jederzeit Widerspruch gegen die Verarbeitung der personenbezogenen Daten zum Zwecke derartiger Werbung einzulegen.

Dies gilt auch für das Profiling, soweit es mit solcher Direktwerbung in Verbindung steht. Widerspricht die betroffene Person gegenüber der F. Kriebus der Verarbeitung für Zwecke der Direktwerbung, so wird die F. Kriebus die personenbezogenen Daten nicht mehr für diese Zwecke verarbeiten. Zudem hat die betroffene Person das Recht, aus Gründen, die sich aus ihrer besonderen Situation ergeben, gegen die sie betreffende Verarbeitung personenbezogener Daten, die bei der F.

Kriebus oder einen anderen Mitarbeiter wenden. Ist die Entscheidung 1 für den Abschluss oder die Erfüllung eines Vertrags zwischen der betroffenen Person und dem Verantwortlichen erforderlich oder 2 erfolgt sie mit ausdrücklicher Einwilligung der betroffenen Person, trifft die F.

Möchte die betroffene Person Rechte mit Bezug auf automatisierte Entscheidungen geltend machen, kann sie sich hierzu jederzeit an einen Mitarbeiter des für die Verarbeitung Verantwortlichen wenden. Jede von der Verarbeitung personenbezogener Daten betroffene Person hat das vom Europäischen Richtlinien- und Verordnungsgeber gewährte Recht, eine Einwilligung zur Verarbeitung personenbezogener Daten jederzeit zu widerrufen.

Möchte die betroffene Person ihr Recht auf Widerruf einer Einwilligung geltend machen, kann sie sich hierzu jederzeit an einen Mitarbeiter des für die Verarbeitung Verantwortlichen wenden. Google AdSense beruht auf einem Algorithmus, welcher die auf Drittseiten angezeigten Werbeanzeigen passend zu den Inhalten der jeweiligen Drittseite auswählt. Google AdSense gestattet ein interessenbezogenes Targeting des Internetnutzers, welches mittels Generierung von individuellen Benutzerprofilen umgesetzt wird.

Was Cookies sind, wurde oben bereits erläutert. Mit der Setzung des Cookies wird der Alphabet Inc. Durch jeden Aufruf einer der Einzelseiten dieser Internetseite, die durch den für die Verarbeitung Verantwortlichen betrieben wird und auf welcher eine Google-AdSense-Komponente integriert wurde, wird der Internetbrowser auf dem informationstechnologischen System der betroffenen Person automatisch durch die jeweilige Google-AdSense-Komponente veranlasst, Daten zum Zwecke der Online-Werbung und der Abrechnung von Provisionen an die Alphabet Inc.

Im Rahmen dieses technischen Verfahrens erhält die Alphabet Inc. Die betroffene Person kann die Setzung von Cookies durch unsere Internetseite, wie oben bereits dargestellt, jederzeit mittels einer entsprechenden Einstellung des genutzten Internetbrowsers verhindern und damit der Setzung von Cookies dauerhaft widersprechen. Eine solche Einstellung des genutzten Internetbrowsers würde auch verhindern, dass die Alphabet Inc.

Zudem kann ein von der Alphabet Inc. Google AdSense verwendet zudem sogenannte Zählpixel. Ein Zählpixel ist eine Miniaturgrafik, die in Internetseiten eingebettet wird, um eine Logdatei-Aufzeichnung und eine Logdatei-Analyse zu ermöglichen, wodurch eine statistische Auswertung durchgeführt werden kann.

Anhand des eingebetteten Zählpixels kann die Alphabet Inc. Zählpixel dienen unter anderem dazu, den Besucherfluss einer Internetseite auszuwerten. Diese personenbezogenen Daten werden in den Vereinigten Staaten von Amerika gespeichert und verarbeitet. Die Alphabet Inc. Ist die Verarbeitung personenbezogener Daten zur Erfüllung eines Vertrags, dessen Vertragspartei die betroffene Person ist, erforderlich, wie dies beispielsweise bei Verarbeitungsvorgängen der Fall ist, die für eine Lieferung von Waren oder die Erbringung einer sonstigen Leistung oder Gegenleistung notwendig sind, so beruht die Verarbeitung auf Art.

Unterliegt unser Unternehmen einer rechtlichen Verpflichtung durch welche eine Verarbeitung von personenbezogenen Daten erforderlich wird, wie beispielsweise zur Erfüllung steuerlicher Pflichten, so basiert die Verarbeitung auf Art.

In seltenen Fällen könnte die Verarbeitung von personenbezogenen Daten erforderlich werden, um lebenswichtige Interessen der betroffenen Person oder einer anderen natürlichen Person zu schützen.

Dies wäre beispielsweise der Fall, wenn ein Besucher in unserem Betrieb verletzt werden würde und daraufhin sein Name, sein Alter, seine Krankenkassendaten oder sonstige lebenswichtige Informationen an einen Arzt, ein Krankenhaus oder sonstige Dritte weitergegeben werden müssten. Dann würde die Verarbeitung auf Art. Letztlich könnten Verarbeitungsvorgänge auf Art. Auf dieser Rechtsgrundlage basieren Verarbeitungsvorgänge, die von keiner der vorgenannten Rechtsgrundlagen erfasst werden, wenn die Verarbeitung zur Wahrung eines berechtigten Interesses unseres Unternehmens oder eines Dritten erforderlich ist, sofern die Interessen, Grundrechte und Grundfreiheiten des Betroffenen nicht überwiegen.

Solche Verarbeitungsvorgänge sind uns insbesondere deshalb gestattet, weil sie durch den Europäischen Gesetzgeber besonders erwähnt wurden. Basiert die Verarbeitung personenbezogener Daten auf Artikel 6 I lit. Das Kriterium für die Dauer der Speicherung von personenbezogenen Daten ist die jeweilige gesetzliche Aufbewahrungsfrist. Wir klären Sie darüber auf, dass die Bereitstellung personenbezogener Daten zum Teil gesetzlich vorgeschrieben ist z. Steuervorschriften oder sich auch aus vertraglichen Regelungen z.

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