Santander vê carteira de crédito encolher no 1º tri, para R$ 521,93 bi
O Santander encerrou março com R$ 521,93 bilhões em sua carteira de crédito ampliada, que inclui empréstimos, financiamentos, títulos com risco de crédito e avais e fianças. O saldo teve incremento de 4,9% em 12 meses. No entanto, recuou 2,7% na comparação com o fim de dezembro - num período de baixo crescimento econômico e alta das taxas de juros.
Leia mais: Santander tem lucro gerencial de R$ 4,005 bi no 1º trimestre, alta de 1,3% em 12 meses
Levando em conta apenas empréstimos e financiamentos, a carteira somava R$ 455,166 bilhões no fim de março. O saldo recuou 1,6% ao longo do primeiro trimestre e cresceu 7,2% na comparação com março do ano passado. Descontado o efeito da variação cambial, a alta em 12 meses foi de 8,5%.
A carteira de pessoas físicas, que é a mais relevante para o Santander, cresceu 1% no trimestre e 19% em 12 meses, para R$ 212,347 bilhões no fim de março. O segmento foi impulsionado pelas linhas de crédito pessoal/outros, com R$ 46,794 bilhões (alta anual de 30,4%); cartão de crédito, com R$ 44,397 bilhões (alta de 30,5%); e crédito imobiliário, com R$ 53,522 bilhões (+15,2%).
O financiamento ao consumo, porém, cresceu em ritmo mais lento. Houve queda de 0,7% em relação a dezembro e alta de 6% na comparação com março do ano passado, totalizando R$ 64,826 bilhões.
A carteira de grandes empresas era de R$ 116,103 bilhões no fim de março, apontando queda de 7,7% em relação a dezembro e de 10,8% frente a março do ano passado. Segundo o banco, houve migração dos saldos de carteira entre os segmentos pequenas e médias empresas e grandes empresas. Houve também impacto do câmbio.
Entre as pessoas jurídicas, a linha de crédito rural teve queda anual de 23,7%, a R$ 3,942 bilhões; enquanto “repasses” caiu 18,1%, a R$ 9,124 bilhões; e comércio exterior recuou 15,1%, a R$ 29,717 bilhões.
O saldo de operações com pequenas e médias empresas estava em R$ 61,890 bilhões no fim do primeiro trimestre, alta de 0,7% em relação a dezembro e de 12,2%...
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