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A gestão bancária na ótica de um comercial: O caso da Caixa Económica da Misericórdia de Angra do Heroísmo
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Abstract(s)
Este relatório descreve a experiência de estágio na Caixa Económica da Misericórdia de Angra do Heroísmo, Caixa Económica Bancária, S.A. (CEMAH), uma instituição bancária regional, como parte dos requisitos para a obtenção do grau de Mestre em Ciências Económicas e Empresariais, com especialização em Finanças e Contabilidade, pela Universidade dos Açores.
Este inicia-se com um enquadramento teórico sobre a atividade bancária e operações de crédito, seguindo-se da apresentação da instituição bancária acolhedora do estágio, a apresentação do estágio e das várias atividades desenvolvidas no mesmo e, por fim, é realizada uma análise crítica ao estágio.
Aprofundando o enquadramento teórico, percebe-se que o setor bancário é um pilar fundamental no sistema económico, interligando aforradores e investidores e impulsionando o crescimento económico. O crédito bancário emerge como a chave para realizar sonhos, desde empreendimentos inovadores até lares familiares.
A CEMAH destaca-se pela sua autonomia local e foco na proximidade com o cliente, características cruciais num mercado altamente competitivo. Adicionalmente, a sua estrutura organizacional meticulosamente delineada e a oferta adaptada de produtos e serviços, idealizados para atender às necessidades do cliente tradicional, também consolidam o seu papel essencial em meio às incessantes metamorfoses deste mercado.
O estágio, com a duração de 18 meses, foi realizado na agência de Ponta Delgada, ao abrigo do programa Estagiar L. Apesar dos seus apenas 12 anos de existência, essa agência já tem um impacto significativo nos resultados globais da organização o que permitiu uma aprendizagem mais acentuada. As atividades na sua duração iam desde a recolha e arquivo de documentos até à abertura e gestão de contas, bem como o acompanhamento de processos de negociação e contratação de créditos para clientes particulares.
Por fim, a análise crítica do estágio revela que a principal vantagem da CEMAH é sua abordagem de proximidade com os clientes. No entanto, a sua visibilidade limitada no mercado representa uma fraqueza. Apesar das ameaças da concorrência, a instituição, ainda assim possui oportunidades de crescimento no mercado regional.
ABSTRACT: This internship report was developed at Caixa Económica da Misericórdia de Angra do Heroísmo, Caixa Económica Bancária, S.A. (CEMAH), a regional bank, for the purpose of a Master's degree in Economics and Business Sciences, more specifically, Finances and Accounting, by University of the Azores. First, a theoretical framework is presented on banking activity and loan operations, followed by a presentation of the institution where the internship took place and all the activities undertaken during that period. Finally, a critical analysis of the processes will be discussed. Considering the theoretical framework it is evident that the banking sector is a fundamental pillar in the economic system, connecting investors as well as savers, and therefore increasing economic growth. Bank credit emerges as the key to realizing dreams, from innovating businesses to constructing family homes. CEMAH stands out for its local autonomy and focus on customer proximity, which are crucial characteristics in a highly competitive market. Additionally, it boasts an established organizational structure and has evolved to offer products and services that meet the needs of the average customer. These are essential aspects to the important role this bank plays in the current evolving market. The internship took place over a period of 18 months at the Ponta Delgada branch, as part of the Estagiar L program. Even though this branch has been operating for only 12 years, it has already had a significant impact on the organization’s overall results, which was of added value to the internship. During this internship several tasks were observed and completed such as the gathering of customer information, the filing and organizing of documentation, the opening and closing of banking accounts, and the processes of negotiation and loan attainment. In conclusion, the critical analysis of the internship reveals that CEMAH's main advantage is its personal approach to customers. However, its limited visibility in the market represents a weakness. Despite all threats posed by its competitors, the institution still possesses opportunities for growth in the regional market.
ABSTRACT: This internship report was developed at Caixa Económica da Misericórdia de Angra do Heroísmo, Caixa Económica Bancária, S.A. (CEMAH), a regional bank, for the purpose of a Master's degree in Economics and Business Sciences, more specifically, Finances and Accounting, by University of the Azores. First, a theoretical framework is presented on banking activity and loan operations, followed by a presentation of the institution where the internship took place and all the activities undertaken during that period. Finally, a critical analysis of the processes will be discussed. Considering the theoretical framework it is evident that the banking sector is a fundamental pillar in the economic system, connecting investors as well as savers, and therefore increasing economic growth. Bank credit emerges as the key to realizing dreams, from innovating businesses to constructing family homes. CEMAH stands out for its local autonomy and focus on customer proximity, which are crucial characteristics in a highly competitive market. Additionally, it boasts an established organizational structure and has evolved to offer products and services that meet the needs of the average customer. These are essential aspects to the important role this bank plays in the current evolving market. The internship took place over a period of 18 months at the Ponta Delgada branch, as part of the Estagiar L program. Even though this branch has been operating for only 12 years, it has already had a significant impact on the organization’s overall results, which was of added value to the internship. During this internship several tasks were observed and completed such as the gathering of customer information, the filing and organizing of documentation, the opening and closing of banking accounts, and the processes of negotiation and loan attainment. In conclusion, the critical analysis of the internship reveals that CEMAH's main advantage is its personal approach to customers. However, its limited visibility in the market represents a weakness. Despite all threats posed by its competitors, the institution still possesses opportunities for growth in the regional market.
Description
Dissertação de Mestrado, Ciências Económicas e Empresariais, 31 de janeiro de 2024, Universidade dos Açores.
Keywords
Banco Caixa Económica da Misericórdia de Angra do Heroísmo Relatório de Estágio
Citation
Rodrigues, Sílvia Furtado. (2023). "A gestão bancária na ótica de um comercial: O caso da Caixa Económica da Misericórdia de Angra do Heroísmo". 54 p. (Dissertação de Mestrado em Ciências Económicas e Empresariais). Ponta Delgada: Universidade dos Açores, 2023. Disponível em http://hdl.handle.net/10400.3/7059