![Page 1: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/1.jpg)
BCB - Supervision 1
BRAZIL
Overview of Banking Market
![Page 2: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/2.jpg)
July 26th, 2018
Deputy Governor for Banking Supervision
(DIFIS)
![Page 3: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/3.jpg)
BCB - Supervision 3
AGENDA
I. Banco Central do Brasil – Supervision Structure
II. Overview of Brazilian Financial System
![Page 4: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/4.jpg)
BCB - Supervision 4
Structure of Brazilian Financial System
B C B
Central Bank of
Brazil
C V M
Securities and
Exchange
Commission
S U S E P
Private Insurance
Superintendency
PREVIC
National
Complementary
Pension
Superintendency
C M N
National Monetary Council
(*)
Banking system Other financial
institutions
(*) The CMN consists of the Finance Minister, the Planning
Minister and the President of Central Bank of Brazil
CNSP National Council of
Private Insurance
CNPC
National Council for
Pension Funds
![Page 5: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/5.jpg)
BCB - Supervision 5
![Page 6: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/6.jpg)
BCB - Supervision 6
• Deputy Governor for Supervision
• Deputy Governor for Licensing and Resolution
• Deputy Governor for Regulation
• Deputy Governor for Economic Policy
• Deputy Governor for Monetary Policy
• Deputy Governor for Institutional Relations and Citizenship
• Deputy Governor for International Affairs and Risk Management
• Deputy Governor for Administration
BCB - Organizational Structure
![Page 7: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/7.jpg)
BCB - Supervision 7
Supervision Structure
Deputy Governor for Supervision
Strategic Management, Integration
and Support for Supervision
Department
DEGEF (116)
Department of
Supervision of
Credit Unions and
Non-banking
Financial Institutions
DESUC (200)
Financial System
Monitoring
Department
DESIG (203)
Banking Conduct
Supervision
Department
DECON (95)
Governor
Banking
Supervision
Department
DESUP (187)
![Page 8: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/8.jpg)
BCB - Supervision 8
Financial Institutions – 2017
BANKING SYSTEM
Commercial Banks 154
Investment Banks 14
Development Banks 4
Banco do Brasil and Caixa Economica Federal 2
BANKING SYSTEM TOTAL 174
NON BANKING SYSTEM
Securities Brokerage Companies 239
Credit Unions 1032
Consortiums 159
Others 144
NON BANKING SYSTEM TOTAL 1574
TOTAL 1748
Source: http://www.bcb.gov.br/fis/info/instituicoes.asp
![Page 9: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/9.jpg)
BCB - Supervision 9
Bank
Market share
credit to individuals
Caixa 31,8%
Banco do Brasil 18,9%
Itau 11,8%
Bradesco 10,4%
Santander 8,7%
Brazilian Largest Banks
![Page 10: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/10.jpg)
Fintechs
![Page 11: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/11.jpg)
BCB - Supervision 11
Average interest rate – new loans
![Page 12: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/12.jpg)
BCB - Supervision 12
Problem assets
![Page 13: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/13.jpg)
BCB - Supervision 13
Problem assets
![Page 14: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/14.jpg)
Banking Supervision (DIFIS)
![Page 15: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/15.jpg)
BCB - Supervision 15
Adittional material
![Page 16: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/16.jpg)
BCB - Supervision 16
Banking Supervision
Specialized teams
Support and consulting
Support teams
Supervision teams (GTs)
Joint inspections
Supervision of Banks and Banking Conglomerates
Horizontal reviews
![Page 17: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/17.jpg)
BCB - Supervision 17
Supervision Process Overview
Risk Assessment System (SRC):
− ANEF: Economic and Financial Analysis
− Inspections
− Continuous Monitoring
− Horizontal Reviews
SUPERVISION CICLE
CONTINUOUS FOLLOW UP
INSPECTIONS (VEs AND OTHERS)
CONCLUSION SRC
KNOWLEDGE
OF FINANCIAL
INSTITUTION
HORIZONTAL REVIEWS
![Page 18: BRAZIL Overview of Banking Market - Financial …...Overview of Brazilian Financial System BCB - Supervision 4 Structure of Brazilian Financial System B C B Central Bank of Brazil](https://reader034.vdocuments.us/reader034/viewer/2022042114/5e90522924931a7f343eaf26/html5/thumbnails/18.jpg)
BCB - Supervision 18
Qualitative Analysis
Supervision Process Risk Assessment System - SRC
Quantitative Analysis
Capital Adequacy
Quality of Assets
Liabilities
Liquidity
Profitability
Strategy risk Reputation risk IT risk ML risk
Credit risk Operational risk/legal Market risk Liquidity risk
Final score
1, 2, 3 or 4 Best Worst
Communication of Results: to Banks and Regulators