by SÃO PAULO, SP (FOLHAPRESS) – O maior banco da America Latina quer que grandes empresas diminuam seu apetite por empréstimos. O presidente of Itaú Unibanco, Milton Maluhy Filho, recommends that you as companhias “reduce the level of the endividamento” to stimulate the momento atual de juros altos and incertezas.
Durante conversa with jornalistas nesta quarta (8), Maluhy responds or salt no cobertura do banco, which consists of different values to ensure that against most 90 slides no pagamento de empréstimos.
No caso da carteira de grandes empressas do Itaú, esse indice passou de 588% ao final de 2021 to 1.857% no fim do ano passado. In some cases there is a cobertura do Itaú as opposed to large companies which have 1.371%.
“No end of quarter of 2022, the main reason for doing this is that it is a matter for you to legally recuperate,” confirmed Maluhy, em referencia to Americanas. On a list of credentials that are part of the justiça definition are distributed about R $ 2.9-bilhões com or Itaú.
The US caso is not so clear as to be of great concern to the general public, which is nearly non-flammable at 599% to 1.125% in the second quarter of 2022.
An explanation of this explanation of the process of analyzing the great dominions of Itaú. If the president of the bank confirms that you have constant guidance of the fundamentals of your companhias, and if you are a major part of the casos, you may find issues that prevent you from being part of the division.
“Quando percebemos que a empresa está em um momento mais difícil, já procuramos reestruturar a divida. In other words, far beyond the new level of grand empresas não é or mais adequado. Quando ocorre, é por um curto espaço de tempo,” explains Maluhy .
JUROS ALTOS COMPLICAM GRANDES EMPRESAS
Maluhy confirms that you are a large bank in relation to creditworthiness for large employers. Compare other situações that occur in America. “Fraud não é algo corriqueiro, é algo muito eventual.”
Além dos numeros, aparece nos caminhos apontados pelo executivo do Itaú para que as empresas voltem a ficar saudáveis no curto prazo. “Right now, if the employers are more accurate than the current households. The economic environment does not favor most alavancadas.”
O Itaú espera que a taxa básica de juros (Selic) chegue a 12.50% ao no fim 2023. Mas Maluhy ressalta que, mesmo se confirmado, ainda éum patamar muito alto. “Is as biased as the country’s financial world. O Brazil is exactly what the conditions are for the jurosion of the formal maize estrutural”, diz Maluhy.
O executive for a parallel crisis of 2015 and 2016, which preceded the impeachment of ex-President Dilma Rousseff. “Naquela epoca, like empresas estavam muito alavancadas, em ambiente de recessão. Hoje, os níveis de endividamento são menores, mas os juros estão altos.”
There is a great deal that is needed to transfer more for smaller credit spreads, which are consistent between different ways the bank is employed to raise money and most of the cobrados these empréstimos have.
“Precisamos mehorar as regras para execução de Garantieias. A parte tributária também pesa. Os bancos no Brasil estão entre os mais tributados do mundo”, dizo presidente do Itaú.
2023 SERÁ O ANO DO ‘APETITE REDUZIDO’
There are different types of relationships, including financial, micro, financial and media empresas, or Itaú resolves a large amount of conservadora, reduced credit concessions, especially in multiple countries.
“No credit card, decide 90% as concessions. Smaller or smaller credit for buying cars,” diz Maluhy. O executive confirms that it developed Itaú manter este “appetite reduzido” for um tempo.
Alexsandro Broedel, financial director of Itaú, has decided that a desaceleração project has no credit card crescimento for 2023, that is no interval between 6% and 9%, and a basis of best estratégie. No passado, a carteira do Itaú cresceu 11.1%.
So, after Broedel, or banco pretende que os níveis de inadimplência permanently saudáveis. “Estamos is well established in the 90s, and the buscar was put into service in 2023,” confirmed.
