Em tréplica contra Febraban, Zetta diz que imposto efetivo de bancos é menor do que o de fintechs
A Federação Brasileira de Bancos (Febraban), que representa as grandes instituições tradicionais, e a Zetta, associação criada por Nubank, Mercado Pago e Google, estão protagonizando uma verdadeira guerra nas redes sociais. Tudo começou quando a Zetta usou um estudo do Idec para criticar o aumento de tarifas pelos bancos durante a pandemia. A Febraban respondeu, citando os altos juros cobrados pelo Nubank e dizendo que as fintechs gostam de “pagar meia entrada”.
Agora, na tréplica, a Zetta diz que a Febraban tenta confundir a opinião pública a respeito de temas importantes sobre a concorrência no setor de serviços financeiros. “A assimetria regulatória favorece os bancos tradicionais com vantagens competitivas e econômicas, e não as fintechs, que têm maiores exigências financeiras e mais requisitos legais”.
Ontem, a Febraban afirmou que as fintechs pagam bem menos impostos que os bancos, que pagam 45% sobre lucro, sendo 25% de IR e 20% de CSLL. Hoje, a Zetta lembrou que, com as deduções e constituição de créditos tributárias, na verdade os bancos pagam bem menos do que a alíquota cheia. “Ao analisar os balanços dos incumbentes, vê-se que a alíquota nominal sofre uma série de deduções que reduz bastante o imposto efetivo. Em 2020, os três maiores bancos privados do país tiveram alíquotas efetivas negativas de IRPJ/CSLL, ou seja, apuraram mais créditos tributários do que pagaram débitos tributários. As fintechs pagam todos os impostos com muito menos deduções”, afirma.
A Zetta lembra...
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