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Bancolombia, Davivienda and Scotiabank highlighted the commitment and history of their clients with the sector and asked to continue this trend
During the LR Forum ‘The banking sector and its commitment to businessmen’, the leaders of three of the country’s largest banks: Bancolombia (Juan Carlos Mora), Davivienda (Efraín Forero) and Scotiabank Colpatria (Jaime Alberto Upegui), concluded The most important challenge is for Colombians to continue with the culture of payment and fulfillment of their loans, since the placement of new loans is carried out with the resources of commercial banks and with State guarantees.
In principle, bankers agree that, traditionally, users of the financial system (individuals and companies) have had an important compliance with their obligations and expect that, despite the difficulties generated by the situation, clients contribute and continue with this trend.
“One of the big concerns we have is the issue, but Colombians are very good pay,” said Scotiabank Colpatria president Jaime Alberto Upegui.
In this sense, the leader explained that in the reliefs that the bank has conceived, what the entity did was to invite clients who needed them to request those benefits, but, “if you do not have them, to contribute to the solution of the problems paying them.
In addition, he explained that Scotiabank Colpatria received more than a million payments (67% of the total for March), which demonstrates “the culture of payment” and, therefore, thanked his clients.
“It is very important for all Colombians to understand that they are being offered new loans and that they have to be paid; that is why the task of the bank is to do the studies,” he added.
In turn, the president of Davivienda, Efraín Forero, explained that users must differentiate state subsidies, with access options to new loans with government guarantees of up to 90%, through the National Guarantee Fund (FNG), or with greater financial benefits.
“We must deliver those credits so that they are paid, if you think that is why you cannot pay, we are going to have a deteriorating portfolio situation and that would affect that correct payment culture. We should not encourage credits that are not going to be paid, that would already be subsidies and we must separate the two lines, “he said.
“The State provides this guarantee so that the banks, with their own resources, can deliver loans and we already have more than $ 6 billion registered with the FNG,” said Forero.
Immediately afterwards, the president of Bancolombia, Juan Carlos Mora, declared that the bank continues with its commitment to solve credit access facilities, but without neglecting the risk and stability of the system, since commercial banks must continue to carry out analysis studies to the placement of loans with guarantees and with the banks’ own resources.
“We designed a rapid quota approval process and we have 295,000 for SMEs, we are not using a normal procedure, we generate a quick process to access this line with the FNG. Likewise, we have a duty to the FNG and to our own operation of that the credits are placed to companies that can pay them, they should be focused on companies that have responsibility to be reliable, “he warned.
In this sense, Upegui added that the task with these credits is that “they can be granted to those viable companies during the period that they are forced to be without activity and given a line so that they maintain their payroll.”
In this regard, the president of Bancoldex, Javier Díaz, stressed that the resources allocated by the public entity are intended to benefit the burdens of SMEs and large companies through better financing benefits, but reiterated that they are limited lines.
“They are very large amounts of aid, but they are limited, they are available until the resources are exhausted, but we have not stopped, before the national ones are exhausted, we will have more than 20 regional lines for another $ 600,000 million,” Díaz said.
Finally, the three president of the banks also mentioned that the conjuncture due to the pandemic created an opportunity to increase the levels of bank penetration in Colombia and the usability of digital banking.
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