In 2019, we worked with an ESG specialized consulting firm (Sitawi) to improve and formalise our policy and processes. In addition to the formal policy and procedures, we also conduct qualitative asessments as part of a due diligence process on a pre-investment step. The credit team checks bank references, commercial references and rates from credit bureaus. If the team has evidences that the company is not ethical, transparent, with good governance and fiscal/ legal practices the team will most likely avoid the investment. All this checking process (references/bureaus/etc) is extended to the Companies (borrowers), their main shareholders and, whenever applicable, their key-management as well.