Cesario: “Las ganancias de los bancos no son tan altas”

El presidente de la Asociación de Bancos Argentinos, Claudio Cesário, desmintió que el sector financiero haya obtenido ganancias extraordinarias en el último tiempo. Según Cesario, “si comparamos resultados reales deflactados por inflación, se observa que el de nuestro país está por debajo de sus comparables latinoamericanos. “Considerando el promedio de […]

El presidente de la Asociación de Bancos Argentinos, Claudio Cesário, desmintió que el sector financiero haya obtenido ganancias extraordinarias en el último tiempo. Según Cesario, “si comparamos resultados reales deflactados por inflación, se observa que el de nuestro país está por debajo de sus comparables latinoamericanos.

“Considerando el promedio de los últimos cinco años, el resultado sobre patrimonio neto (ROE) en términos reales del sistema financiero de Argentina es del 3%, mientras que en Brasil alcanza al 9%, en México el 14%, en Chile el 17% y en Colombia el 21%.

También expresó su preocupación por “los reclamos que se escuchan referidos al nivel del costo del dinero por parte de sectores que insisten con reclamar créditos bancarios con tasas subsidiadas, un beneficio que saldría de los bolsillos de actores del sector privado, tales como los accionistas de los bancos o los mismos depositantes. Estos reclamos se contraponen con la responsabilidad que como administradores de recursos de terceros tienen los bancos”.

“La administración prudente del riesgo de sus activos (los créditos) es el principal respaldo de los depósitos que recibimos de nuestros clientes. La calidad crediticia es un activo para la macroeconomía en general y es nuestro objetivo mantener esa fortaleza en el tiempo.

“Prueba ello, el ratio de mora sistémica inéditamente bajo aun frente la actual debilidad del ciclo económico.
En el sistema financiero, durante el año, los depósitos del sector privado crecieron 30% y los préstamos al mismo sector 20%, aproximadamente. Según Cesario, “el sistema continúa mostrando signos de solidez, liquidez, sin descalce de monedas y con baja exposición al riesgo crediticio”.

En la actualidad, del total del crédito al sector privado, 47% está dirigido a empresas, 39% a préstamos personales y financiaciones con tarjetas de crédito y 14% a préstamos con garantía real (hipotecarios y prendarios).

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Cesario: “Las ganancias de los bancos no son tan altas”

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