Banrisul - analise de mercado

Global Strategic Conversations Cohort 1

Banco do Estado do Rio Grande do Sul (Banrisul)
The Competitive Position within Brazilian Banking Market

Renato J Meneghello [e-mail]

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1. Overview
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Capital The “Banco do Estado do Rio Grande do Sul SA (aka Banrisul)” is a Brazilian bank based in the south of the country. Founded in 1928 and major controlled by the state of Rio Grande do Sul (with 57% of total capital), Banrisul is in 11th position in Brazilian banks ranking and offers a Other range of financial products and services, such as personal 0,2% and real estate loans, long-term financing, lines of credit for the agricultural and cattle-raising sectors, general business lines of credit, debit and credit cards, savings deposits, demand and time deposits, funds, investment, brokerage and asset management. As of December 2011 Banrisul served its customers in 1,278 points, distributed in 442 branches (401 in Rio Grande do Sul, 25 in Santa Catarina, 14 in other Brazilian states, one in New York and one in Grand Cayman), 275 banking service stations and 561 electronic service stations. The Bank focuses its banking services on the needs of retail customers, small- and medium-sized companies and public sector entities. It’s most important product is their own debit card known as Banricompras which has more market share than Visa and Mastercard together in the south of Brazil.

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Project focus

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Banrisul group consists of five major companies: (i)The bank itself, (ii)the consortium administration co., (iii)the brokerage and exchange co., (iv)the logistics co. and (v)the corporate cards and benefits company. For the project purposes we will analyze only the Bank that holds the major revenue income.
Net Income by Company

BANRISUL Consortium Adm Brokerage & Exchange Co Logistics Corporate Service Cards

Net income of corporation reached R$ 904M in 2011 (chart above). The other group