Monetary Authority

By | March 7, 2016

The resolution of the monetary authority, however, allows the banks to apply readjustment freely. With the change in the rules, the financial institutions start to offer four different types of services: the essentials, with priority ones, special and the differentiated ones. The nomenclature of the services used started to be standardized and the banks had been obliged to offer the package with the same services. According to resolution, the calls essential services cannot be charged. ' ' The standardization of the tariffs also instituted the standardized basic package, whose main objective was to introduce a comparison parameter enters the baskets of services offered for the banks. The standardized package, however, did not fulfill the function, since all the banks had very defined its price above of other personalized packages and including with more servios' ' , it points the study.

Results of estudoO survey, carried through for the Idec with the ten banks with more than a million of customers (Bank of Brazil, Banrisul, Bradesco, CEF, HSBC, Ita, Our Box, Real, Santander and Unibanco), pointed that nine banks had readjusted at least a doubtful tariff, except the Federal government saving bank. 46 different readjustments had been identified, with maximum index in the Banrisul, the case of doubtful leaf supply of check, that passed of R$ 0,35 for R$ 1,50, or 328.6%. Also it enters the packages of offered services, five banks had increased the prices (CEF, Banrisul, HSBC, Santander and Unibanco). The applied maximum readjustment was again in the Banrisul, since the standardized package passed of R$ 8 for R$ 18,50; high of 131,25%. In the comparison it more than enters the ten banks with a million of customers, the CEF was the one that presented more occurrence of the lesser tariffs (14), followed for the Ita and the Unibanco (12 occurrences). Already HSBC was what it headed the list of the biggest tariffs (20 item), followed for the Bradesco (nine) and Banrisul (seven).

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