Análise de viabilidade econômica para reestruturação de uma agência bancária de uma cooperativa de crédito
This essay aims at analysing the economical and financial viability in order to the restructuring of a bank agency the west region of Santa Catarina, which studies the possibility of the building of a new agency or the renting of a new property, due to the necessity of the increase of the internal s...
| Autor principal: | Pelegrini, Diogo |
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| Formato: | Trabalho de Conclusão de Curso (Especialização) |
| Idioma: | Português |
| Publicado em: |
Universidade Tecnológica Federal do Paraná
2021
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| Assuntos: | |
| Acesso em linha: |
http://repositorio.utfpr.edu.br/jspui/handle/1/25768 |
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| Resumo: |
This essay aims at analysing the economical and financial viability in order to the restructuring of a bank agency the west region of Santa Catarina, which studies the possibility of the building of a new agency or the renting of a new property, due to the necessity of the increase of the internal space to the customer attendance with the quality and excelance suited to the institutional patterns. Regarding the methodology applied for the final decision making relates to the economical viability of the investment project, it was chosen the usage of the Economical Viability System of Analysis of the investment projects Sistema (SAVEPI), developed by Lima et al. (2014). In search of measuring the expected return and risk associated to the investment. Through SAVEPI, it was evaluated the indicators and it was concluded feasible the project implementation which showed loss risks in a low rate, and high rates of return expectations to both possibilities. The analyzed indicators were: expected return (ROIA/TMA), risks (PAYBACK/N¹, TMA/TIR²,) and elasticity limits (Δ% TMA, Δ% FC0, Δ% FCj, Δ% CTj, e Δ% RT). The presented results showed themselves as equals with high extent returns (or level) [> 66,66%], according to the proposed scale by Lima et al. (2018), medium-risk level/extent riscos [33,33% a 66,66%], according to the proposed scale by Lima et al. (2018), and e elasticity limits, with medium and excelent tolerance to the variations of TMA to both situations. Through these evaluations, it was concluded that the rental of a property of restructuring of the agency due to the necessity of initial cost (R$ 276.223,79) being lower than the construction cost (R$ 962,310,60) and the obtained final net return in a future planing of 10 years is higher: Location: R$ 8.670.598,97, and construction: R$ 8.505.076,56. External Factors that were not measured by the system, such as the property-for-rent shortage in the region of actuation of the agency makes the project final decision to be chosen by tge institution CEOs, that is to choose the less feaseble option that would be the construction of a new agency or searching for an investor willing to invest in the construction of an immovable asset with the necessary patterns to renting. |
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