{"id":4228,"date":"2025-02-27T22:46:15","date_gmt":"2025-02-27T22:46:15","guid":{"rendered":"https:\/\/anbc.org.br\/?p=4228"},"modified":"2025-02-28T22:52:31","modified_gmt":"2025-02-28T22:52:31","slug":"20-years-of-credit-to-gdp-ratio-in-brazil","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/20-anos-de-relacao-credito-pib-no-brasil\/","title":{"rendered":"20 years of credit-GDP ratio in Brazil"},"content":{"rendered":"
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The credit-to-GDP ratio in Brazil ended 2024 at 54.4%, reflecting the growing importance of credit in the economy. But is this percentage enough? To understand, we need to look at the last 20 years and the contribution of credit bureaus to this progress.<\/p>\n

\"credit
Source: Central Bank of Brazil<\/figcaption><\/figure>\n

In 2005, this ratio was just 28%. Since then, it has almost doubled, facilitating access to loans for consumers and companies. Credit bureaus have played an essential role in this growth, improving score models, reducing information asymmetries and increasing transparency.<\/p>\n

Three major phases marked this evolution:<\/strong><\/p>\n

1*<\/strong><\/span> 2005-2015<\/strong>Accelerated expansion of credit, driven by innovations such as payroll loans and regulatory changes. Bureaus have expanded their databases, making risk analysis more precise.<\/p>\n

2*<\/strong><\/span> 2016-2018<\/strong>Recession and credit restrictions. The bureaus helped to differentiate risk profiles, allowing credit to be granted more safely.<\/p>\n

3*<\/span> 2019-2024<\/strong>: Recovery driven by new programs and the use of the Positive Registry. Artificial intelligence and big data have become differentiators in credit analysis models.<\/p>\n

\"credit
Source: Central Bank of Brazil<\/figcaption><\/figure>\n

Changes in the credit profile<\/strong> Credit for Individuals (PF) exceeded that for Legal Entities (PJ). In 2007, PF represented 14% of credit-GDP, while PJ, 16.6%. In 2024, PF reached 33.4%, while PJ stood at 21%. This transformation was made possible by advances in credit bureau technology.<\/p>\n

Global comparison<\/strong> Despite the growth, there is still room for more. While the credit-to-GDP ratio in Brazil stands at 71.6% according to the World Bank, the global average is 146.5%. In the US, it reaches 192% and in Chile, 109.5%.<\/p>\n

The future of credit<\/strong> New regulations, such as the guarantees framework and the over-indebtedness law, will continue to shape the market. With the increasing use of alternative data on creditor behavior and predictive models, credit bureaus will continue to drive efficiency and access to credit in Brazil. Another major challenge being tackled by credit bureaus is the fight against fraud in order to make operations more secure.<\/p>\n

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Thanks for reading! Access other content at\u00a0ANBC website<\/a>.<\/h4>\n

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\"elias<\/h3>\n

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President of ANBC - National Association of Credit Bureaus. Representative of Latin America in the World Bank Credit Committee. He also represents Brazil and Latin America in credit organisations accross the world, such as ACCIS, BIIA and ALACRED.<\/h6>\n<\/div>","protected":false},"excerpt":{"rendered":"

The credit-to-GDP ratio in Brazil ended 2024 at 54.4%, reflecting the growing importance of credit in the economy. But is this percentage enough? To understand, we need to look at the last 20 years and the contribution of credit bureaus to this progress....<\/p>","protected":false},"author":1,"featured_media":4231,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"none","_seopress_titles_title":"20 anos de rela\u00e7\u00e3o cr\u00e9dito-PIB no Brasil","_seopress_titles_desc":"A rela\u00e7\u00e3o cr\u00e9dito-PIB no Brasil encerrou 2024 em 54,4%, refletindo a crescente import\u00e2ncia do cr\u00e9dito na economia. Mas esse percentual \u00e9 suficiente?","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[137],"class_list":["post-4228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-credito-pib","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/4228","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=4228"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/4228\/revisions"}],"predecessor-version":[{"id":4232,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/4228\/revisions\/4232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/4231"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=4228"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=4228"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=4228"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}