Estrutura organizacional dos bancos comerciais: O caso do Banco Austral

Abstract

Commercial banks in general have the essential economic function of facilitating and supporting the development of economic activities through the creation and multiplication of currency through the deposits they raise and the loans they grant to the economy. Economic liberalization under the Economic Rehabilitation Program (PRE) in 1987 led to some development of financial markets in the country. This situation requires commercial banks to be able to respond to the increasingly growing demands imposed by the market economy system. Banco Austral, like other commercial banks in the country and around the world, essentially aims to maximize profits and contribute to the development of the national economy. These objectives can only be achieved if the banks are managed rationally, that is, efficiently and effectively. According to the theory of administration, one of the dimensions of efficient management of companies is the organizational structure. This ’’ constitutes the link between the formulation and the implementation of the business strategy ”(Freire 1997: 451). It means that for the pursuit of their objectives, banks or companies in general formulate action strategies and create a structure that normally supports the implementation of the options outlined. In this context, the analysis of the organizational structure of Banco Austral is the object of study within the scope of this undergraduate work. In general terms, this study aims to analyze the organizational structure of Banco Austral S.A.R.L., according to the following factors: formalization, centralization and complexity; analyze the strategies formulated by Banco Austral in the light of its objectives; and assess the economic and financial impact of the organizational structure adopted by Banco Austral.