Rates higher for business can be offset by limits on individual
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Daniel Lima
Brasilia - The study Tracking Bank Fees, prepared by the Secretariat of Economic Monitoring (Seae,) of the Ministry of Finance and Central Bank (BC), has not ruled out that banks have offset the limitations imposed by the government for charging of individuals with high in the corporate segment. Since last year, banks are required by Resolution 3518 of the National Monetary Council (CMN) to exempt individuals from a range of tariffs.
"It is possible that movements of cross-subsidization may arise between these two sectors, that is, banks could compensate for the existence of restrictions on individual segment with price adjustments in the corporate segments," the study records.
According to technicians from Seae and BC, of the 82 charges made public, 46 showed an increase of average value in the analyzed period - January 2008 to July 2009. The highest increases were registered between May last year and July this year, which it said could "be interpreted as a move to adapt to the new regulatory landscape."
The document also notes that, as in the case of legal persons there is no minimum period to elapse between the adjustments, changes may have occurred gradually. According to Resolution 3518, for individuals, this period is 180 days.
Meet some rates for companies that had increased:
Renegotiation of debt: 245%
Renewal of registration form: 93%
Maintenance debit card and serve: 20%
Clothing debit card and serve: 33%
Annuity card multiple international: 30%
Check (invoice with ten sheets): 23%
Exclusion from the register of bad checks: 28%
Compensation checks: 24%
Granting special check: 79%
Renewal of overdraft: 32%
Source: Agência Brazil
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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