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This Monday (28), Banco do Brasil presented the public with updates regarding negotiations carried out under the Desenrola program. According to the information released, the bank recorded a total of R$1 billion in agreements since the project began.
In 1.5 months, 122,000 Banco do Brasil customers settled their debts through Desenrola, launched in July. Additionally, it is worth noting that Banco do Brasil anticipated the Desenrola scenario and introduced internal initiatives for debt agreements. When we add all these efforts together, the total exceeds R$6.7 billion in agreements.
“We are immensely pleased to play a commercial role with a social perspective, thus helping more than 700,000 customers of the BB group adjust their finances,” stated Tarciana Medeiros, president of Banco do Brasil.
Conditions established by Banco do Brasil
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Although the Federal Government created Desenrola, agreements are being established directly between the customer and the bank at this initial stage. Thus, each institution is free to propose the best conditions and discounts for settling debts.
In the case of Banco do Brasil, the proposal involves offering up to a 25% reduction in renegotiation interest rates and a period of up to 120 months for repayment. And for those who wish to settle their outstanding debts immediately, there is a discount of up to 96% for payment in full.
Segmentation
The Federal Government's Desenrola program is aimed at two main groups:
- Group 1: individuals with a per capita income of up to two minimum wages who accumulated debts of up to R$ 5,000 by December 31 of the previous year;
- Group 2: those with a per capita income of up to R$ 20,000 who accumulated debts only with banks by December 31 of the previous year.
Currently, the focus is on Group 2, referring to individuals who have outstanding debts only with banks. This explains why banks such as Banco do Brasil are seeing so many benefits at this time.
Representatives of the Ministry of Finance reported that Group 1, made up of lower-income citizens, will be served starting in September. The app intended for Group 1 will be launched between the 25th and 29th of next month.
General summary of Desenrola
The Brazilian Federation of Banks (Febraban) released a statement celebrating Desenrola’s initial results, describing the program as a triumph for the government, society, and financial institutions.
In its first month, the Desenrola Program recorded a total of R$ 9.5 billion in negotiations, considering only Group 2. This segment comprises debts owed by customers earning between 2 minimum wages and R$ 20,000 who are not registered with the Federal Government’s Cadastro Único, Febraban reported.
Desenrola for Businesses
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Desenrola’s positive results led to considerations about extending the program. Recently, the president of the Brazilian Development Bank (BNDES), Aloizio Mercadante, suggested developing a version of the program focused on companies.
He concluded: “My proposal is a new Desenrola focused on investments in Brazil. We will consider outstanding public debt, which amounts to trillions and which the government is unable to collect. Companies do not settle it, and this affects their credit,” he stated.
“We want to transform part of this debt into investment, leverage the country’s development. We need ‘Desenrola Negócios’, and perhaps the active debt could be directed toward this,” he concluded.
