When we talk about digital banks, we have two exponents in Brazil, which are Nubank and the Inter. They make up a group of large fintechs that operate in the country and have a large number of customers. Furthermore, these institutions are widely known for their loans with 100% digital request.
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Many people have doubts about which of these banks is better to apply for a loan, taking into account that the two institutions have a broad similarity in their service. And to find out which one is the most suitable for each case, UBS BB analysts decided to put on paper the main differences between Nubank and Inter loans.
When experts analyze the two digital banks, they point out that the number of Nubank customers who have applied for a loan, of at least R$200, reaches the 21 million mark. This is equivalent to 45% of the number of customers the bank has. At Banco Inter, this number corresponds to 2 million, or 15% of its total number of customers. These data are from the third quarter of 2021.
Thus, the high risk of the Nubank cost is notorious when compared to Inter, even though the provisioning policies and business model are so different. However, when we consider the general aspects, the two digital banks have similar provision charges incurred by each customer.
It is also important to highlight that within the Brazilian and American stock markets, the two institutions had a drop of approximately 60% in the accumulated of 2022, like the entire technology sector. This occurred due to the pressure exerted by the variation in interest rates.
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