Eficiência bancária: uma análise envoltória de dados (DEA) dos principais bancos tradicionais e digitais do Brasil

Abstract

This work aims to analyze the banking efficiency of 18 largest banks, both traditional and digital, selected from the category of multiple banks operating in Brazil, using the Data Envelopment Analysis (DEA) method. For this purpose, financial data from these institutions' financial statements, made available on their official websites, were used for a longitudinal analysis covering the period from 2019 to 2021. Two input variables (Total Assets and Deposits) and three output variables (Net Equity, Net Income, and Operating Income) were selected. The results reveal that six traditional banks showed better performance throughout the analyzed years, while four digital banks demonstrated efficiency in all years. On the other hand, two digital banks stood out in the normalized efficiency ranking, achieving the first position in all years, as is the case with Inter and Modal.