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O Itaú Unibanco (ITUB4) expects that a coronavirus pandemic will take over ‘in some years’ its digitization process. Engaged in a project to review the braço de varejo, or major bank of Latin America, has to draw a map of the crossing to help physical weights and companies by conta da crise e já trabalha in the next stage, batizada of day after, next day in translation. Free.
“Or the next day you are also being prepared. Within the digitization chapter, we are taking measures to carry out important tests to increase the speed and intensity of our digitalisation ”, says or executive director responsible for Banco de Varejo do Itaú Unibanco, André Rodrigues.
Nesta quarta-feira, 22, o banco announced a new stage in the turbulence management agenda, in the last weeks, a program to support saúde financeira of its clients. In addition to increasing either the credit period, from 60 to 120 days for physical weight and 180 days for companies, or the bank is open for five or six years, keeping you very sworn.
Or Itaú is also willing to grant new credit, considering that families and companies will need a long history to overcome the ravages of the pandemic in their financial life. Foram mapped 8 milhões de clients e companies com faturamento até R $ 30 milhões per year.
Not all, as measures must reach two bank clients, with a total of 20 milhões de pessoas and more than um milhão of small and companies and R $ 180 bilhões in credit – considering physical and legal weight.
Either Itaú does not open, contented, or how much he hopes to borrow, maintaining a stealth or tamanho de seu appetite na crise. Since this is the pandemic of the non-country, the financial institutions will face widespread criticism for restricting or changing credit or rating two clients due to the deterioration of the economic center, or supporting or increasing two vows.
The banks, for their time, have a reinforced speech that they are not a solution or a problem in this crisis, each week they have new announcements to support physical weight and companies.
That agenda of crossing da crise, according to Rodrigues, should become for the next few months as the new measures disclosed hoje. They, for their time, have to help or bank to control or the impact of the increase is negligible.
In parallel, or Itaú prepares or next day, when he expects his operation, with more than R $ 1.7 trilhão in assets, to be more digital. Our last years, or Itaú já colheu fruits. Or the number of brokers that we use, you can enter no sub-bank of varejo of less than 10 milhões, in 2017, for 12.5 milhões not last year.
Despite the fact that the life of companies and people has been affected by a pandemic of novo coronavírus ‘turbinou’ as three alavancas are essential for the bank to become more digital: two clients have increased their propensity to go digital; I expanded the bank’s delivery capacity in the form of a job. A practical example or jump in the renegotiation of dívidas by meio de canais digitais, whose parcel passes from 2% to 40% em meio à crise.
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“People could pick up eventually in years. Or that it would be a janela of natural development from three to five years old, I could be very happy for you, two years, “says Rodrigues.
Secondly, it is a ganha-ganha for both an institution and a client. As far as the brokers are concerned, the world of digital world, or Banco Gere Custos.
Despite physical agencies representing the largest two banks, Rodrigues said that the institution is satisfied with the network, that it has a 400-agency bank not last year. Regarding the units that would date to the ports during a pandemic – at least another 400 -, he affirms that they will all be reopened. Segundo fontes, porém, or banco já is delivering some of the foreclosed averages.
According to Rodrigues, or bank you have dated about 800 agencies in a pandemic for two reasons. First, because it was obliged by state and municipal decrees. Fechou, com isso, more than 400 agencies. In addition, he decided to reduce or attend in person the places where it was not necessary to offer the service and represent the cliff for its officials.
At the end of December, or Itaú had 3,158 physical agencies not in Brazil. “We have more or less um quarto das nossas dated agencies … Since it is dated agora, 100% will be reaberto (apos a crise)“Says Rodrigues.
Or the director of the bank says that there are only “cases in the case” of some tenants. “As agencies continue to function, the electronic caixas are also safeguarded,” says Itaú commercial director, Carlos Vanzo.
O bank invested about R $ 80 milhões to support agencies during a pandemic. The foram resources destined, among other measures, for the acquisition of alcohol in gel, acrylic partitions and individual protection equipment (PPE) so that they are on the front line.
For o medio e longo prazo, porém, é natural impact not felt of date of agências, says Rodrigues. For the time being, he affirms, this is the Itaú agenda and the last summary of the reduction of the physical network in the number of units closed, not last year.
Atrelado à revisão do banco de varejo, or Itaú prepared a repagination for your physical agencies. No fim do ano pasado, foram inaugurated duas novas agências model. More than 550 must pass through the same process and will act as “pulms” for other units and, consequently, for the operation of Itaú.
“O movimento é muito mais de reocupação das agências,” says Rodrigues. In addition to new facilities, the most specialized service, with specialists in areas such as insurance and investments.
A moving ocorreria ainda not first semester this year, but it was paralyzed for obvious reasons. O Itaú waits, contudo, resume briefly, with the logo of a pandemic of a trégua no Brasil.
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