INDÚSTRIA BANCÁRIA NO BRASIL: UMA ANÁLISE COMPETITIVA DA RENTABILIDADE E EFICIÊNCIA OPERACIONAL

Abstract

This study performs an analysis of the profitability of the main Brazilian banks, highlighting the benefits of public banks over private banks, with the objective of demonstrating the difference in profitability and its causes. A quantitative survey was used, with the use of secondary data, used to demonstrate financial statements of analyzed companies, through indicators. An analysis involves five financial institutions, in the period from 2010 to 2019, two public and three private, in view of or cut made by the research, which generates a net profit of more than R$ 10 billion reais for the year 2019. Banks private banks currently have better profitability and better operating operations for public banks, despite the better performance of public banks at the beginning of the period and strong reaction in the last years of the analysis. The study presents technical and managerial contributions for those interested in the banking sector, both internal and external users.