Grandes bancos brasileiros precisarão acelerar cortes de gastos, avalia Moody’s
Os grandes bancos brasileiros precisarão acelerar o ritmo de cortes de gastos este ano para lidar com as margens financeiras apertadas, segundo análise da Moody’s. A agência de rating aponta que a recuperação econômica deve ajudar nas receitas e a queda nas provisões para devedores duvidosos impulsionará o lucro. Entretanto, com juros em patamares historicamente baixos e uma crescente competição, o controle das despesas será essencial.
“Volumes de negócios mais fortes devem impulsionar a originação, e a evolução das taxas de juros deve ajudar as margens. No entanto, os custos de financiamento também irão subir com a taxa de referência, portanto a melhoria da margem é provável que seja modesta. Os bancos também têm um grande volume de empréstimos com taxas fixas em suas carteiras, tornando difícil reprecificar rapidamente os créditos e repassar taxas mais altas para os tomadores”, diz a Moody’s em relatório.
A margem líquida média dos grandes bancos era de 4,88% em março, em comparação com um nível de 7,47% no fim de 2016. “Embora nós esperemos que as margens aumentem nos próximos meses, elas provavelmente permanecerão abaixo dos níveis relatados antes de 2016”.
Segundo a agência, muitos dos esforços de cortes de custos no passado foram em despesas administrativas, redução de pessoal e fechamento de agência, e isso deve continuar nos próximos 12 a 18 meses. “Esperamos a maior melhora em custos administrativos no Bradesco, graças a um processo de integração mais maduro de recentes aquisições, além do foco da administração na redução de despesas operacionais”.
A Moody’s aponta que todos os bancos se concentram em otimização de pontos de atendimento, mas que, enquanto Bradesco, Itaú e Banco do Brasil vêm diminuindo o número de agências, o Santander ampliou sua presença em...
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