Após pausa, Pan espera que originação do consignado do INSS volte à faixa de R$ 1 bi
O CEO do Banco Pan, Carlos Eduardo Guimarães, afirmou que a originação de crédito consignado para beneficiários do INSS deve voltar em algum momento para patamares mais elevados, em torno de R$ 1 bilhão por mês. "Em abril isso ainda não aconteceu, mas as engrenagens estão voltando a esquentar", comentou.Em março, o Pan e praticamente todos os grandes bancos ficaram quase duas semanas sem conceder consignado para beneficiários do INSS após o Conselho Nacional da Previdência Social (CNPS) reduzir os juros dessa linha de 2,14% para 1,70%. Após muita celeuma, a taxa foi reajustada para 1,97%.Guimarães explicou que, no canal B2B - ou seja, distribuição via correspondente bancário - o Pan reduziu as comissões pagas de 11% para 8% e, assim, conseguiu manter uma boa rentabilidade no produto. Segundo ele, quando houve essa redução a produção nesse canal diminui. "Mas é uma taxa que já foi praticada anteriormente e acreditamos que a originação vai voltar para o que era antes".Ao mesmo tempo, o banco vem investindo para ampliar o consignado distribuído diretamente ao consumidor (B2C), com contratação no aplicativo. O CEO disse que na linha de antecipação de FGTS 65% da distribuição já e B2C. "No consignado estamos trabalhando para ter uma produção mais 50%/50% entre B2B e B2C".Segundo ele, existe uma boa possibilidade de que o governo volte a permitir o consignado para beneficiários do LOAS, o que ajudaria o Pan a voltar para o patamar de originação de R$ 1 bilhão por mês.O CEO afirmou que as despesas com provisões para devedores duvidosos...
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