Os efeitos da pandemia do Covid-19 no desempenho econômico e financeiro dos bancos com carteira comercial no Brasil

Abstract

The whole world has experienced a pandemic in recent years, where some measures have been taken in an attempt to contain the spread of the virus: social isolation, quarantine, use of masks, lockdown of non-essential businesses, vaccination of the population, among other measures. The COVID-19 pandemic generated a contraction in the economy, as there was a reduction in production, dismissal of workers, migration to home office work, the closing of essential trade reduced the demand for goods. All these factors cause effects in some way on the daily lives of the population, whether positive or negative. And to what extent were banks with commercial portfolios in Brazil affected by the pandemic, in terms of economic and financial performance? The present work seeks to verify, through some variables, the data collected from financial statements from the years 2018 to 2021, the following 3 groups: Activity Performance; Operational Performance; Profitability, Profitability and Banking Spread. These groups are composed of 10 indicators, and their results will be analyzed graphically. Data on macroeconomic variables from that same period will also be exposed, and how they were influenced by the pandemic: Selic Rate, Inflation, GDP, Unemployment Rate and Per Capita Income.