Managing customer payment compliance is not a minor task for financial entities, since a credit poorly granted, in the long run, it forces them to raise their interest rates To cover that risk, which makes them less competitive and affects their results by having to allocate resources to provisions.
The photo of the bank at the end of August shows a healthy management of the credits. According to data published by the SBS, the backward portfolio of the banks (Morosa) stood at 3.46%, the lowest level of the year and 0.76 percentage points below that registered in the same month of 2024.
According to information from the banks, the improvement in portfolio quality is partially associated with a better credit evaluation to people and a better payment behavior of these. The delinquency of consumer loans was reduced from 3.78% in August 2024 to 3.06% last August, driven by the drop in the backward portfolio of the credit card business.
The rate rate of the plastic money segment went from 5.95% to 4.52% in the last 12 months to August, which represents a decrease of 1.44 percentage points. Three of the four largest banks recorded the highest delinquency reduction in their card portfolios, even in front of cards linked to retailers.
Another factor that contributed to the improvement was the growth (or the deceleration of the fall) of the credit portfolios for people, associated with a greater prudence of the financial entities.
High risk
This best payment behavior was also reflected in refinanced and restructured loan loans. According to SBS data, this portfolio represented 1.79%, the lowest level of the year, and decreased by 0.25 percentage points compared to August of the previous year.
With this, the high -risk portfolio, which adds the most refinant and restructured backward portfolio, reached 5.25%, with a reduction of a percentage point.
Since a lower loan rate in trouble implies lower provision needs for banks and, therefore, less utilities sacrifice, it is expected that in the third quarter the bank will record a significant increase in their profits.
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