Avaliação de desempenho financeiro dos bancos digitais e dos bancos tradicionais

Abstract

This paper aims to analyze the performance and efficiency of digital and traditional banks in Brazil, between 2014 and 2018. This is a descriptive research, quantitative in nature, using secondary data. The sample consisted of 18 traditional banks and 4 digital banks. Data collection was performed in the IF-data system, located on the Central Bank of Brazil website. Data analysis was performed using descriptive statistics. The results show that digital banks have better results compared to traditional banks in the Operational Efficiency Index in all the studied years. Digital banks achieved better ROA results in 2015 and 2017 and a better result in the Net Margin index in 2017. In the analysis of digital banks revenues, this resulted in a prevalence of Credit Operations Income and Securities Income. Securities, also concluding that there is a low collection of banking fees, thus pointing out that digital banks have a business model with little focus on charging bank fees.