The strike of the bank is heading to be one of the most extensive in the history of the financial system. The banks are the hardest in trading, predicting that profits tend to shrink for the first time in decades, a reflection of the crisis that raised the money and required increases in provisions for doubtful accounts. The impact of the outage on the results, however, is lower and lower each time, because of the digitalisation of transactions, via computers and mobile phones.
The Brazilian Federation of Banks (Febraban) pointed out that the use of alternative channels to bank branches to make transactions, especially electronic media, have been effective to minimize the effects of the strike. Together, the so-called internet banking, by the computer, and mobile banking, via mobile phones and tablets, account for more than half of banking transactions (54%).
“The internet banking was the channel responsible for the largest number of transactions in 2015, with 33% of the total, the equivalent of 17.7 billion of banking operations. Accounts with internet banking, jumped to 56 million in 2014, to 62 million in the last year”, says Febraban.
The executive of a large bank, who does not want to be identify, confirms that the technology relieves increasingly the impact of the strike. “This strike has generated less impact because of the use of digital channels, which is very strong. Deposit into a check basically just. Today everyone has a smartphone and the use of digital channels has grown geometrically in all the banks.”
In the past year, the banking transactions by mobile banking grew by 138% compared to 2014, totaling 11.2 billion of transactions, according to Febraban. Could, therefore, be the second channel most used, behind only the internet banking. In some institutions, according to sources, the mobile has already risen to leadership in the media used for banking transactions.
After five rounds of negotiations and no consensus between banking and bankers, the hang completed 18 days on this Friday (23). On the next Monday (26), it will have the same duration of the mobilisation in the past year, 21 days. You can become the longest of recent years, surpassing that of 2013, when the workers crossed their arms for 24 days, the second counted the trade Union of the Bank of São Paulo, Osasco and region, connected to the Central única dos trabalhadores (CUT).
The union estimates the participation of 60 thousand workers. In total, 16 administrative centers and 780 branches were closed yesterday. Despite the eventual record, the banks, according to sources, tend not to offer an adjustment greater than that granted in 2015. Last year, the category claimed 16%, but the adjustment was 10%, with correction of 14% on food stamps, and food.
This year, the difference is even greater. Banks offer 7% (which leads to a 2.39% loss in salary) and an allowance of R$ 3.3 billion. The bank ask for the double, an increase of 14,78% (real gain of 5%, considering the inflation). The counter proposal, however, was rejected, and in the last two meetings, on 13 and 15 September, there were no changes.
“Clearly, the banks are more hard this year, and the difference between the requests is high. The union will have to give in, but the category will test to the max,” says an analyst who tracks the banking industry.
on the side Of the seats, there is the expectation that the collective agreement raises the costs. In evaluating an executive, even if the increase is above the budgeted by the institutions, it will be possible to compensate with cost-cutting that includes cutting staff. The banks have been strict control of expenses. Bradesco bank revised down its projection of operating expenses – from 4.5% to 8.5%, and rose to the range of 4% to 8%. Itaú Unibanco also redid his calculations. The expenses arising from the interest of the institution should grow 2.0% to 5.0% in 2016.
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