Júris Médios Cobrados pelos Bancos Chegam a 42,3% ao Ano em Janeiro
O índice de juros médios cobrados pelos bancos no Brasil atingiu 42,3% ao ano em janeiro, segundo dados divulgados pela Federação Brasileira de Bancos (FEBRABAN) na última semana. Este é o maior valor registro desde outubro de 2017, quando o juro médio anual foi de 43,1%.
O aumento nos juros médios é um reflexo da manutenção da Selic, a taxa básica de juros da economia, em 4,5% ao mês, além da expectativa de ajuste da taxa de juros da economia estadunidense, que pode influenciar a tomada de decisões dos bancos.
De acordo com a FEBRAN, os juros médios cobrados pelos bancos variam desde janeiro de 2022, ao longo de todo o ano, alcançando um aumento de 10,4 pontos percentuais, em relação ao mesmo período do ano anterior. Este crescimento é um reflexo da manutenção da Selic em alta e da expectativa de ajuste da taxa de juros da economia estadunidense.
"O mercado atualmente está gostando de expectativas de ajustes da taxa de juros nos EUA, o que pode influenciar a tomada de decisões dos bancos", afirma o presidente da FEBRABAN, élio Martins.
O crescimento nos juros médios cobrados pelos bancos é uma medida que pode afetar a economia do país, especialmente para aqueles que possuem débitos financeiros. Segundo o IBGE, mais de 30% da população brasileira possui alguma dívida financeira, o que pode agravar a situação financeira de muitos brasileiros.
Já a Federação Nacional dos Bancos do Brasil (FNB) destaca que "as políticas monetárias mais restritivas" podem afetar a economia e o mercado de trabalho do país. "É importante que os bancos PSI°Coping com a situação atual e a manutenção da Selic em alta, que impacta a economia, o mercado de trabalho", afirma o presidente da FNB, Vandré Antunes.
Além disso, o crescimento nos juros médios cobrados pelos bancos também pode afetar a capacidade de investimento da população. Como a inflação é um fator importante para a tomada de decisões de investimento, o aumento nos juros médios pode levar a que os investidores busquem ativos de baixo risco e quepos agentes financeiros busquem ativos de alta renda.
Crise mundiais afetam a economia brasileira
A crise econômica global, recentemente agravada pela pandemia do COVID-19, também afetou a economia brasileira. A perda de confiança internacional e a desaceleração da economia global também contribuem para a manutenção da Selic em alta e o crescimento nos juros médios cobrados pelos bancos.
Conclusão
O cresimento nos juros médios cobrados pelos bancos é um reflexo da manutenção da Selic em alta e da expectativa de ajuste da taxa de juros da economia estadunidense. Este aumento pode afetar a economia do país, especialmente para aqueles que possuem débitos financeiros. É importante que os bancos e os agentes financeiros considerem a situação atual e trabalhem para encontrar soluções para a financiallysegurança dos brasileiros.
Fonte: Federação Brasileira de Bancos (FEBRABAN) e Federação Nacional dos Bancos do Brasil (FNB)
The Central Bank (BC) released data on January loans to families and businesses, showing a rise in average interest rates. In January, the average interest rate for free loans reached 42.3% per year, an increase of 1.6% from December and 4.6% from the same period last year.
For new business loans, the average interest rate reached 24.2% per year, a 2.5% increase from December and 1.7% from January last year. In the case of family loans, the average interest rate reached 53.9% per year, a 0.8% increase from December and 1.6% from January last year.
According to the BC, the increase in interest rates for families was driven by higher interest rates for personal unsecured loans linked to the composition of debts (+5.3%) and car financing (+2.0%), as well as the increased proportion of operations credit card revolving in the composition of the average interest rate for the segment.
For businesses, the reasons were the increases in average interest rates for credit card revolving (+103.1%), working capital with a term of up to 365 days (+9.3%), and working capital with a term of more than 365 days (+1.7%).
The BC also reported that the balance of credit operations in Brazil remained stable in January compared to December, totaling R$ 6.5 trillion.
The BC concluded that the performance was due to a 1.2% increase in the loan portfolio to individuals, totaling R$ 4 trillion, offset by a 1.8% decline in loan sales to businesses, which reached R$ 2.5 trillion.
In 12 months, the credit of the National Financial System (SFN) grew 11.7%, with an acceleration of 10.2% for businesses and 12.7% for families.
The balance of free credit operations, in which banks have autonomy to lend and set interest rates, reached R$ 3.7 trillion in January, a 0.5% decline from December and an 11.5% increase from the same period last year.
For new business loans, the credit reached R$ 1.5 trillion, with a monthly decline of 3.2% and a 9.7% increase from the same period last year. The BC said the result reflected, in part, the decline in the portfolio of check discounts and other receivables (-15.6%), the reduction of working capital stock (-1.0%), and the reduction of forward dollar contracts (-2.4%) and credit card advances (-2.6%).
The free credit to families advanced 1.4% in the month and 12.7% compared to January last year, totaling R$ 2.2 trillion. This performance was dispersed among its main modalities, with notable increases in personal non-consigned credit (2.6%), car financing (2.0%), and personal credit to beneficiaries of the National Social Security Institute (2.3%), and credit card revolving (6.7%).
Regarding targeted credit operations, the BC stated that, in January, the total balance reached R$ 2.7 trillion, with increases of 0.9% in the month and 12.1% in the same period last year.
For individuals, the targeted credit advanced 0.6% in the month and 11.1% in the year, totaling R$ 901.7 billion, while for families, the targeted credit reached R$ 1.8 trillion, with increases of 1.0% and 12.6%, respectively.
In January, the total delinquency of the SFN, considering delays exceeding 90 days, reached 3.2% of the portfolio, with a 0.3% monthly increase and a 0.1% decline compared to the same period last year.
In free credit operations, delinquency advanced 0.3% in the month and receded 0.2% in the year, reaching 4.4% of the portfolio.
For businesses, the delinquency in free credit operations reached 2.8% of the stock, with a 0.3% monthly increase and a 0.5% decline in the year. The delinquency rate of the free credit portfolio to families also increased 0.3% in the month, remaining stable compared to the same period last year, at 5.5%.
The BC also reported that the debt of families remained at 48.3% in December, remaining stable compared to the previous month and increasing 0.6% compared to December 2023. The commitment of income increased 0.5% in the month, reaching 26.8%, the highest level since October 2023, interrupting the downward trend that began in September 2024. The 12-month variation was +0.9%.
The BC also reported that, in January, the balance of credit expanded to the non-financial sector, formed by foreign financing or bond issuances, reached R$ 18.5 trillion (155.6% of the GDP), with a 0.8% decline in the month, resulting from a 4.8% decline in foreign accounts – reflecting the 5.9% appreciation of the Real in the period. In 12 months, credit expanded 14.4%, with increases of 16.5% in bond issues and 11.4% in local loans.
The credit extended to businesses totaled R$ 6.6 trillion in January, representing 55.2% of the GDP, with a 1.9% decline in the month, highlighting the declines of 4.4% in foreign loans and 2.0% in the SFN. The credit extended to families reached R$ 4.3 trillion (36.3% of the GDP), with expansions of 1.1% in the month and 12.6% in 12 months, reflecting the performance of the SFN.
