Performance dos bancos brasileiros no contexto de digitalização
<p>Considering the context of digitalization of the brazilian banking sistem, the present study evaluates how the investment in technology is affecting the performance of the financial institutions. Many studies have evaluated the impact of the digitalization on the results of the banks. Hernando and Nieto (2007) and Ciciretti, Hasan e Zazzara (2009) identified profit gains and cost reduction with the implementation of internet banking on the Spanish and Italian banks. In the present study, it was analysed, through linear regressions, the relationship of investments in IT and measures of profitability (ROA, ROE and margin of intermediation) and expenses (personal and total of administrative expenses). It was also verified, through a Data Envelopment Analysis (DEA), the evolution of the technical, cost and allocative efficiencies of the Brazilian banks in the, being the data segregated in terms of investment in IT. The results suggests that the investment in information technology from the banks has a positive and significative relation with the profitability variables and with the administrative expenses, partially corroborating with the studies of Hernando and Nieto (2007). It was also verified improvement on the technical efficiency of the Brazilian banks along the analysed period, mainly amongst on that with the greatest Investment in IT.</p>