Até 1967, o Banco do Brasil complementava, como empregador, a diferença entre o salário percebido por seus empregados no momento de suas aposentadorias e o valor do benefício concedido pela previdência oficial.
Ao final de 1966, cumprindo determinação governamental, os dirigentes do Banco informaram que a empresa deixaria de pagar aquele benefício, e só complementaria o valor das aposentadorias dos empregados que até 14 de abril de 1967 estivessem aposentados, ou preenchessem as exigências para se aposentarem. Os demais, para continuarem recebendo o benefício, deveriam se filiar a Previ, mediante contraprestação onerosa,
Informaram, ainda, que em virtude de a PREVI, então denominada CAPRE, encontrar-se em processo de extinção, seria convocada uma AGE para reabri-la a novas inscrições, a partir de 15.4.1967, o que, efetivamente, aconteceu.
Apesar do clima repressivo da época, a Confederação Nacional dos Trabalhadores nas Empresas de Crédito – CONTEC questionou¹ a legalidade da decisão no tocante à sua aplicação com efeito retroativo.
Orientou os interessados na defesa de seus direitos, consciente de que tal decisão não poderia penalizar os empregados admitidos antes da data de sua imposição.
Recorreu ao judiciário e iniciou um volumoso contencioso na Justiça do Trabalho, ao longo do qual se firmou a jurisprudência favorável aos empregados, sob o fundamento de que benefício instituído pelo empregador é incorporado ao contrato de trabalho e não pode ser revogado por iniciativa unilateral do Empregador.
Reconhecido judicialmente o direito dos empregados admitidos no emprego até 14.4.67 (posteriormente denominados “grupo pré/67”), caberia ao Banco a obrigação de verter as contribuições pessoais e patronais, devidas a partir das datas em que foram empossados no emprego, se quisesse atribuir à PREVI o encargo (não a responsabilidade) do pagamento dos benefícios desse grupo.
Mas o Banco não vertia tais contribuições pessoais e patronais. Em vez de assim proceder, utilizava as contribuições dos pré/67, que haviam aderido à PREVI, para pagar os benefícios dos aposentados antes de 14.4.67 (de sua responsabilidade), além do que não registrava, em seus balanços, a dívida que vinha acumulando e na década de 1990 alcançava valor superior a R$ 10,5 bilhões, sendo mais do que o dobro de seu patrimônio líquido, à época, de R$ 5,5 bilhões.
Nessa ocasião, segundo alegaram depois os dirigentes sindicais que haviam negociado o acordo, o banco fora notificado pela CVM e pelo Banco Central de que deveria efetuar esse registro, que era uma exigência da convenção de Basiléia.
A direção do Banco convocou, então, os dirigentes sindicais da Contraf/CUT e os representantes dos empregados na PREVI² para negociarem a transferência dessa dívida para o plano de benefícios administrado pela PREVI em condições que lhe permitissem superar tão grave problema.
O acordo, segundo os dirigentes sindicais, “foi negociado secretamente durante 2 anos”.
Porém, só foi conhecido pelos associados da Previ com a divulgação, pelo Banco, do Fato Relevante de 2 de junho de 1997, informando que fora negociada a “constituição da reserva matemática garantidora do pagamento de complemento de aposentadoria devida aos associados da PREVI admitidos no Banco do Brasil até 14.4.67”, assim como alterações estatutárias da Previ, observado o seguinte:
a) o valor negociado era de R$ 11.900 milhões dividido em dois grupos: (1) R$ 930 milhões relativos ao passivo previdenciário dos empregados aposentados até 14.4.67, “cujo pagamento continuará sendo de responsabilidade exclusiva do Banco, não estando, portanto, contemplados no contrato a ser firmado com a PREVI; (2) R$ 10.970 bilhões referentes ao passivo previdenciário do Banco com os empregados aposentados após 14.4.67, “cujo pagamento passaria a ser de responsabilidade da PREVI”;
b) o débito da dívida do Banco a ser transferida para a PREVI ficaria reduzido a R$ 5.870 milhões, “sendo a diferença suportada por parte dos atuais ativos garantidores dos compromissos assumidos pela PREVI”;
c) o pagamento desses R$ 5.870 bilhões seria integralizado com contribuições mensais previstas para 32 anos;
d) parte dos superávits anuais obtidos pela PREVI contribuiria para reduzir o valor da dívida remanescente;
e) com base na performance ostentada pela PREVI nos últimos anos, o Banco estimava que o valor da dívida remanescente estaria amortizado em 4 anos;
f) Os empregados admitidos a partir da aprovação, pelo corpo social, do novo estatuto da PREVI estarão participando do plano de contribuição definida e não na modalidade benefício definido do plano então vigente. Pois, “na modalidade benefício definido o Banco tem responsabilidades solidária por eventuais insuficiências financeiras apresentadas pela PREVI, enquanto na modalidade contribuição definida o benefício dependerá do desempenho do próprio plano, isentando o Banco, portanto, de qualquer consequência futura”.
Após a divulgação do Fato Relevante, os dirigentes sindicais assumiram o encargo de vender o acordo como uma “conquista histórica”. Afirmaram que, sem ele, a Lei “dava ao banco o direito de se apropriar de 2/3 do superávit da Previ”; que o acordo “garantia o pagamento das aposentadorias do “grupo pré/67”; que era resultado do trabalho eficiente dos “diretores deliberativos”, etc.
Ainda assim o acordo só foi aprovado no segundo turno. E a reforma estatutária foi aprovada antes de serem conhecidos os termos do acordo, somente firmado em 24.12.1997.
Por ele, o Banco transferiu para o Plano de Benefícios administrado pela PREVI – mediante garantia de ressarcimento parcelado estimado em 32 anos -, seu passivo previdenciário relativo à dívida de R$ 10.959.481.182,00, referente às contribuições pessoais e patronais dos associados da referida EFPC, admitidos até 14.4.67.
O valor da dívida correspondente ao passivo do Banco transferido para a PREVI (de R$ 10.960 milhões) foi, inicialmente, reduzido a R$ 5.884 milhões, resultando em um abatimento de R$ 5.076 milhões (cláusula primeira), retirado das reservas garantidoras do próprio Plano de Benefícios.
O pagamento do saldo remanescente foi previsto em 32 anos (cláusula décima), mas foi quitado em aproximadamente 5 anos, graças à utilização das reservas do plano de benefícios.
As condições pactuadas foram as seguintes:
a) Como contribuições amortizantes ordinárias (cláusula terceira), uma prestação mensal correspondente a 53.6883529% da despesa mensal de pagamento do complemento de aposentadoria dos integrantes do GRUPO Pré-67;
b) Como contribuição amortizante antecipada (cláusulas quarta e sétima) – facultado ao Banco efetuar o pagamento antecipado das contribuições a título de contribuições amortizantes antecipadas, mediante utilização de 2/3 dos superávits apurados nos balanços anuais da PREVI;
c) Como contribuição extraordinária destinada a remunerar o custo de oportunidade do dinheiro desembolsado pela PREVI sempre que o banco deixar de recolher a contribuição amortizante antecipada ou esta for inferior à diferença entre o total das despesas com o pagamento do complemento de aposentadoria dos integrantes do GRUPO;
d) Segundo a cláusula oitava quando um montante creditado ao Banco como contribuição amortizante antecipada for igual ou superior ao valor das reservas a amortizar e enquanto perdurar essa situação o Banco ficará dispensado de efetuar o pagamento das contribuições amortizantes ordinárias, antecipadas e extraordinárias.
Com esse acordo, vendido pelos dirigentes sindicais que o negociaram secretamente com a administração Ximenes, no Governo FHC, foi inaugurada a era, que ainda perdura, da capitalização do Banco com recursos retirados das reservas garantidoras do Plano de Benefícios 1.
Apenas o abatimento inicial de R$ 5.075.516.249,00, concedido em 24.12.97, atualizado pelo IGP-DI até jun/2004 e a partir de então pelo INPC, acrescido de juros de 6%, atingiu o valor de R$ 38,449 bilhões de reais em maio/2012 (vide anexo).
Só em 2002, ao serem defenestrados pelo interventor dos cargos que ocupavam na Diretoria da PREVI, alguns dos negociadores do acordo alegaram, no documento “verdades e mentiras sobre a intervenção da Previ”, que esse acordo evitara a falência do Banco. Porém, tal afirmativa é questionável. Pois, após a rejeição do acordo no primeiro turno, o Banco divulgou, em 20 de julho de 1997, Fato Relevante afirmando dispor de créditos tributários decorrentes de prejuízos fiscais e de diferenças intertemporais no valor estimado de R$ 11.300 milhões e que constituiria também provisão adicional para riscos de crédito, no valor aproximado de R$ 2.600 milhões.
Não foi possível conhecer o valor integral das amortizações antecipadas com apropriação de valores retirados das reservas do Plano 1 até junho de 2005, quando foi suspenso condicionalmente o pagamento de tais contribuições porque as contribuições amortizantes antecipadas se equipararam às reservas a amortizar, conforme prevê a cláusula oitava. Mas, foi possível apurar algumas das apropriações das reservas do Plano por parte do Banco.
Em 2000, o diretor fiscal nomeado para aplicar a paridade contributiva ao plano de Benefícios 1 determinou ilegalmente o levantamento do superávit do Plano em 15.12, apurando o valor de R$ 5,726.471 bilhões. Desse total mandou abater 3,088.524 bilhões de reais para elevar as reservas matemáticas com a implantação da paridade contributiva dividindo-o em duas partes de 1,544.292 bilhões de reais, sendo uma para o patrocinador e outra para os participantes do plano. Em seguida mandou retirar do saldo atribuído ao patrocinador, R$ 2,273.355 bilhões, a quantia de R$ 2.209.863.000 para crédito do Banco na conta Contribuições Amortizantes Antecipadas. O saldo R$ 63.493 mil do patrocinador, e o de R$ 364.531 mil, dos empregados, foi contabilizado no Fundo Paridade.
____________________________Total_______Patrocinadores______Participantes
Reserva de Contingência ……….. 2.623.709 ……… 1.741.139…………………874.569
F. Oscilação de Risco…………………. 525.585 …………..350.390 ……………….175.195
Resultado até 15.12.2000……….. 2.577.177 ……… 1.718.118 ……………… 859.059
Total…………………………………….. 5.726.471 ……… 3.817.647……………..1.908.823
Necessidade.Adic. paridade…….(3.088.584)……….(1.544.292)…………..(1.544.292)
Saldo em 15.12.2000……………….2.637.887…………2.273.355………………..364.531
Ora, a primeira observação é que a paridade contributiva fixada no § 3º do artigo 202 da CF a ser implantada 2 anos após na forma do artigo 5º da EC 20/98 não se aplica ao Plano de Benefícios 1, que é regido por um contrato de adesão, cujas normas pactuadas não podem ser alteradas a não ser para os aderentes inscritos após a vigência da alteração. E o Plano de Benefícios 1 estava fechado desde 24.12.97, vedadas novas admissões, conforme disposto de artigo 47 § 1º. do Estatuto então vigente.
Por esse motivo. o diretor fiscal não poderia mandar apartar do superávit do Plano 1 os 3,088 bilhões de reais. E os diretores da PREVI que acataram sua determinação deveriam responder por gestão temerária ou dilapidação do Plano por eles administrados.
A segunda observação é que os 2,209.863 bilhões de reais que o diretor fiscal mandou creditar ao Banco como amortização antecipada da sua dívida nos termos da cláusula sétima do acordo foi questionada por ações judiciais, com obtenção de liminar, motivo pelo qual ficou retido na conta Fundo Paridade até Nov/2005, quando seu valor era de R$ 5.083.784. Nessa ocasião, conforme consta da Nota Explicativa 14 b do Balanço do exercício de 2006, foi celebrado um acordo para sua liberação a crédito do Banco em Contribuições Amortizantes Antecipadas-Paridade-Acordo 2006, sob a condição de o Banco contribuir com R$ 2.856.529 para a elevação das reservas matemáticas em decorrência do acordo que reduziu o valor da parcela PREVI. (Vide anotações no anexo)
Antes do acordo os representantes dos empregados e dos patrocinadores na direção da PREVI eram liberados pelo Banco, com salários do posto efetivo, acrescidos de comissão de função, pagos pelo Banco. Com a alteração estatutária decorrentes do acordo passaram a ser remunerados pela PREVI, a débito do Plano, percebendo valores equivalentes aos cargos de direção do Banco, um dos motivos pelos quais a taxa de administração cobrada pela PREVI foi elevada para 5% onerando os participantes. O modelo de gestão compartilhada, ultrapassado e promíscuo, prevê a participação de empregados e patrocinadores na diretoria e nos conselhos deliberativo e fiscal, o que significa que ambas as partes administram e fiscalizam. Mas como a representação do patrocinador detém o poder protagônico, a representação dos empregados exerce papel simbólico, embora regiamente remunerada.
As distorções ocasionadas por esse acordo constituem a causa de irregularidades que descaracterizam os objetivos da EFPC patrocinada como fundo de pensão sem fins lucrativos, na mesma medida em que favorecem o enriquecimento sem causa do patrocinador. Cite-se, como exemplo, a Resolução CGPC 26 que instituiu, sob o eufemismo de reversão de valores, a devolução ao patrocinador das contribuições por ele já repassada nos preços dos serviços cobrados de seus clientes. O mentor dessa Resolução, quando dirigente sindical, foi um dos apoiadores do acordo de 24.12.97, que inaugurou a era de capitalização do Banco com os recursos do Plano de Benefícios.
O último exemplo de tais distorções está na recente tentativa, ainda em curso, de consolidar a resolução CGPC 26 com a minuta aprovada na comissão temática do CNPC, a qual, sob o pretexto de atualizar as normas sobre retirada de patrocínio, determina na hipótese de superávit, a “reversão de valores” em favor do patrocinador, tratando a EFPC patrocinada como se fosse uma empresa mercantil; o patrocinador, como se fosse sócio; e o superávit do plano, como se fosse lucro a ser distribuído entre os sócios.
É contra essa proposta de resolução, não pelo temor de retirada do patrocínio do banco, que estamos presenciando a vigorosa repulsa dos associados da Previ à minuta proposta de retirada de patrocínio.
¹Bem diferente do que ocorreu na década de 1980, quando da extinção do Plano de Cargo e Salários, e a instituição de um interstício maior para promoção, bem como a redução da diferença entre uma letra e outra, e tal medida foi imposta com efeito retroativo aos empregados em exercício, sem nenhuma reação sindical.
²então denominados “diretores deliberativos” cuja única função decorativa era a de participarem das reuniões da Diretoria, inteiramente controlada pelo Banco.
Oportunamente voltaremos ao assunto.
A seguir, o demonstrativo das utilizações pelo Banco do patrimônio do Plano de Benefícios 1 inaugurado com o aludido acordo.
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