Thus, the number of offices has been reduced from 4177 to 3399 over the last five years, which is the closure of almost a fifth of agencies, according to bank, insurance and AFP (SBS).
In detail, banks have closed about 266 offices over the last five years – from the end of 2019 to June this year – the date already has 1645, although the number of business entities increased from 15 to 19 years. A recent entry into Compramos and Santander Consumer Bank – EX -Crediscotia – has brought almost 240 new agencies last year to the banking system, and despite this, the trend is decreasing.
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Janfranka Ferrari, CEO Credicorp, said that at a conference with investors that the BCP incision is part of the strategy that began five years ago.
“We have about 450 branches at our peak. Today we have about a third of the network, but most of the process has already been carried out,” he said, presenting the financial results of the second quarter.
He claimed that what is more important than the overall industry is a role that has changed dramatically in recent years, with the migration of transactional vision for more educational and commercial.
“We do not plan to be so aggressive in the future. However, the world is changing so fast that we will see it,” he said.
Digital channels
Enrique Castelanas, Professor of the Pacific Ocean, supported this behavior with less use of physical money.
The main reason for the office was to execute transactions with notes and coins, for public and repositories to protect this money, different boxes were needed, but now electronic channels are gaining fame, he said.
“Perhaps this is a behavior observed more in the capital’s lemas, but you do not need to be a complicated user to access digital wallets, and today we see how many people make payments for the application from their mobile phone,” he emphasized.
For Walter Left, Professor Esan, in recent years the financial system “deletes” its attention channels in accordance with the business model of each institution.
“The bank client is more urban, he often uses alternative channels, shows a great financial education and inclusion. It makes them easily take wallets, internet banking, ATMs without turning to the window,” he explained.
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Boxes
Unlike this, municipal banks are the only institutions that have added 158 branches that a total of 1,112 agencies across the country by June. This enlargement occurred despite the intervention of the former cabbage and the subsequent purchase of the Piura box, an operation that meant the closure of a group of branches.
At the time, municipal boxes commented that customers still ask for support for advisers -in savings or for credit products, which pushes them to create new offices in certain fields.
“In the audience involved in the boxes, it still has a high deficit of financial culture, has problems connecting to the Internet, which makes it difficult to trust 100% on the digital channel,” – said Leva.
In addition, municipal boxes are still in the phase of expansion and technology that lags behind the bank’s achievements.
Another proposal
Even the supplies of boxes of boxes are different because, for example, some already have credit cards, but few customers said. The market has a certain maturation, and part of the plan is to open new offices, he said.
According to Castelanas, the subjects of the publication serve the audience except the bank, so they associate the goal of greater penetration with the opening of the offices.
“However, the trend goes to the other side, we see four large banks leading YAPE and Plin, and each with its private mobile bank, which replaces the need to continue opening agencies,” he said.
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(Tagstotranslate) Banks
