RISCO DE CRÉDITO VERSUS TAXA DE JUROS: UMA ANÁLISE DAS MAIORES INSTITUIÇÕES FINANCEIRAS EM 10 ANOS

Abstract

Financial institutions in Brazil, when granting credit to their customers, expose themselves to the credit risk of non-payment. Knowing that the interest rate, as a tool for the country's monetary control, when changed directly affects the banking system, a comparison is made, over a period of 10 years, to bank credit indicators to seek to understand whether the existence of any modification comes from Selic. With a qualitative character, the research uses a descriptive methodology, with documentary analysis of the annual information of these institutions released to the market. The highest annualized interest rate was in 2016, at 14.08%, on the other hand, the lowest was in 2020, at 2,77%. Credit portfolios, together with provisions for them, have continued to grow over the years. Having banks followed in accordance with the standards of the Basel agreement. The data demonstrate that Selic partially influences the grating of credit by institutions, bringing more sudden changes with significant changes.