Eficiencia bancaria: El cost/income no lo dice todo

Por:

Cesar Cespedes

enero 17, 2024

Por César H. Céspedes, profesional de las finanzas, agronegocios y profesor universitario

Cuando inicié en la banca, uno de los indicadores financieros que más me llamaba la atención era el cost/income, el cual se utiliza para medir la eficiencia de una institución bancaria. Este indicador se calcula dividiendo los gastos generales y administrativos entre el margen operacional bruto (excluyendo provisiones).

Un valor bajo de este indicador indica que la entidad está utilizando sus recursos de manera eficiente, lo que se traduce en una mayor rentabilidad. Sin embargo, mi posición es que este indicador tiene un punto débil respecto al concepto de eficiencia en sí.

Veamos la fórmula de este indicador:

cost/income = gastos generales y administrativos / margen operacional bruto (excluyendo provisiones)

Los ingresos por intereses son parte del margen operacional bruto. Por lo tanto, si subimos la tasa de interés, también lo harán los ingresos financieros y esto provocaría que mejore el “indicador de eficiencia”.

Sin embargo, estamos muy claros que subir la tasa de interés no va a mejorar la eficiencia del banco, todo lo contrario. Esto le restaría competitividad a la entidad, ya que sus costos se mantendrán iguales, pero, con una tasa menos atractiva. Esto podría traducirse en una menor demanda de productos del banco, lo que podría afectar sus ingresos y rentabilidad.

Por lo tanto, para tener una visión más clara de la eficiencia, sugiero agregar otro indicador para analizar la eficiencia que es:

Gastos / Activos productivos = gastos generales y administrativos / activos productivos

Este indicador nos da una idea clara del peso que tiene la gestión en los costos totales de la institución y que tan competitivos podemos ser con el margen financiero que nos permite el mercado.

El comité de gestión de activos y pasivos (ALCO) y el consejo de administración le agradecerán que incluya este indicador en las presentaciones.

¿Cómo interpretar el indicador Gastos / Activos productivos?

Un valor bajo de este indicador indica que la entidad está utilizando sus activos productivos de manera eficiente, lo que se traduce en una mayor rentabilidad y competitividad en el mercado y tendría mayor resiliencia a los cambios en las tasas de interés,

¿Cómo mejorar el indicador Gastos / Activos productivos?

Hay varias maneras de mejorar el indicador Gastos / Activos productivos. Algunas de ellas son:

Optimizar los procesos internos: Esto puede incluir la automatización de procesos, la mejora de la gestión de datos y la reducción de los tiempos de respuesta.

Mejorar la productividad del personal: Esto puede incluir la capacitación del personal, la motivación del personal y la creación de un entorno de trabajo productivo.

La inteligencia artificial es un aliado en el proceso de optimización de procesos y productividad de los empleados.

Resumiendo, el indicador cost/income es una herramienta útil para medir la eficiencia bancaria. Sin embargo, es importante tener en cuenta sus limitaciones. El indicador Gastos / Activos productivos proporciona una visión más completa de la eficiencia, ya que no se ve afectado por los cambios en las tasas de interés.

La inclusión de este indicador en las presentaciones del ALCO y el consejo de administración ayudará a los directivos a tener una mejor comprensión de la eficiencia de la entidad y a tomar decisiones más informadas.

1.060 respuestas a “Eficiencia bancaria: El cost/income no lo dice todo”

Enmanuel Nuñez Ramírez dice:

enero 17, 2024 a las 4:17 pm

Estoy totalmente de acuerdo con lo que plantea en el artículo. Desde mi punto de vista yo utilizo más el indicador Gastos GyAdm/Activos productivos

Incluso lo uso para, en adición a las condiciones del mercado, establecer los Pool de Tasas Activas y la Curva de Tasas Pasivos

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muy buena perspectiva de la eficiencia operativa………….excelente aporte

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Eficiencia bancaria: El cost/income no lo dice todo

1.060 respuestas a “Eficiencia bancaria: El cost/income no lo dice todo”

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