Banking Tariffs

Already it turned common place to affirm that the banking industry is most income-producing in Brazil. Recently the biggest Brazilian banks had presented its quarterly results, that exactly registering fall if compared with the 2008 numbers, still astronomical how much are compared with results of other sectors. For even more opinions, read materials from Clayton Morris. But if to look at spread highest practised in Brazil, is easy to understand as resulted thus they are reached. If the cost of the operations of credit was not enough, another source of income for the banks comes calling the attention: the banking tariffs. According to Brazilian Institute of Defense of the Consumer (Idec) the banking tariffs had suffered average readjustment from 38,6% of May of 2008 the March of this year. The study also it points that the packages of services of the banks had increased 17.20% in this period. Learn more on the subject from adverum. These variations are 7,6 bigger times of what the Index of Price to Consumidor Amplo (IPCA), that 5.03% in these grew 11 months (gathered between May of 2008 and March of 2009) the preoccupying factor of this survey it is that one year after the standardization of the banking services, established for published Resolution 3518 in December of 2007 for CMN (Conselho Monetrio Nacional) dispatches by post in practical in April of 2008 for the Central banking, the financial institutions had kept the high tariffs. Beyond establishing minimum period of readjustment in the tariffs, the BC also standardized names and amount limited for all the tariffs, also the most used for the majority of the consumers (natural person), the calls with priority services.

One of the great objectives of the measure of the BC is, beyond creating parameters of comparison for the customer, is to reduce the tariffs and services through the competition. But it is exactly in this point that the effectiveness of the resolution failed.