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| INDICADORES
FINANCIEROS |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| CARTERA DE CREDITOS (%) |
|
Crecimiento |
|
|
|
|
| |
Vencida |
|
Crec.
Interanual |
Rendim.
por cartera ** |
|
anual
(%) |
|
|
|
|
| Institución |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
|
Personal |
31.2 |
|
|
|
|
| |
|
|
|
|
|
|
|
Comercio |
42.6 |
|
|
|
|
| SFN |
2.4 |
2.4 |
22.0 |
33.9 |
17.1 |
16.3 |
|
Agrícola |
15.4 |
|
|
|
|
| Banpro |
1.5 |
1.9 |
17.2 |
47.9 |
14.6 |
14.4 |
|
Ganado |
70.3 |
|
|
|
|
| Bancentro |
3.1 |
2.6 |
25.1 |
31.2 |
12.7 |
11.6 |
|
Industria |
32.0 |
|
|
|
|
| Bac |
1.7 |
2.1 |
25.7 |
33.8 |
16.7 |
15.2 |
|
Vivienda |
45.4 |
|
|
|
|
| Bdf |
2.7 |
1.7 |
13.5 |
39.3 |
14.5 |
13.8 |
|
Tarjeta |
16.6 |
|
|
|
|
| Buno |
4.9 |
5.9 |
3.7 |
27.8 |
27.7 |
28.9 |
|
Otros |
56.8 |
|
|
|
|
| Banistmo |
#¡DIV/0! |
|
#¡DIV/0! |
#¡DIV/0! |
|
9.5 |
|
|
|
|
|
|
|
| Procredit |
0.6 |
1.1 |
83.8 |
54.1 |
38.3 |
33.3 |
|
|
|
|
|
|
|
| Finarca |
2.2 |
1.9 |
21.6 |
23.8 |
17.8 |
17.2 |
|
|
|
|
|
|
|
| Findesa |
1.5 |
1.3 |
109.9 |
67.3 |
30.6 |
27.0 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| DEPOSITOS
(%) |
|
|
|
|
|
|
|
| |
Participación * |
|
Crec.
Interanual |
Costo
por depósitos ** |
|
|
|
|
|
|
|
| Institución |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| SFN |
96.4 |
100.0 |
19.7 |
13.1 |
4.5 |
3.8 |
|
|
|
|
|
|
|
| Banpro |
31.6 |
31.5 |
28.2 |
12.7 |
5.1 |
4.1 |
|
|
|
|
|
|
|
| Bancentro |
23.1 |
23.3 |
18.9 |
14.0 |
4.3 |
4.0 |
|
|
|
|
|
|
|
| Bac |
16.4 |
18.8 |
17.4 |
29.9 |
3.2 |
2.8 |
|
|
|
|
|
|
|
| Bdf |
14.2 |
14.2 |
5.0 |
12.8 |
4.8 |
3.8 |
|
|
|
|
|
|
|
| Buno |
9.6 |
9.8 |
15.2 |
15.3 |
4.6 |
3.7 |
|
|
|
|
|
|
|
| Banistmo |
|
0.1 |
#¡DIV/0! |
#¡DIV/0! |
|
3.1 |
|
|
|
|
|
|
|
| Procredit |
0.8 |
1.1 |
37.8 |
66.5 |
6.5 |
5.2 |
|
|
|
|
|
|
|
| Finarca |
0.4 |
0.3 |
86.1 |
0.8 |
6.5 |
5.3 |
|
|
|
|
|
|
|
| Findesa |
0.35 |
0.94 |
3452.861 |
202.7 |
5.2 |
6.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| SOLVENCIA Y
EFICIENCIA (%) |
|
|
|
|
|
|
|
|
Adecuación |
Oct-05 |
|
|
|
| |
Adecuación |
Crec.Patrim.-Crec.
Act. |
Eficienc.
Admtva. ** |
|
|
Bancentro |
12.4 |
|
|
|
| Institución |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
|
|
Findesa |
13.4 |
|
|
|
| |
|
|
|
|
|
|
|
|
Banpro |
13.6 |
|
|
|
| SFN |
15.7 |
14.5 |
16.0 |
6.0 |
5.1 |
5.1 |
|
|
Bac |
13.8 |
|
|
|
| Banpro |
16.2 |
13.6 |
13.9 |
9.5 |
3.9 |
4.2 |
|
|
Buno |
14.2 |
|
|
|
| Bancentro |
11.9 |
12.4 |
34.7 |
7.4 |
4.5 |
3.8 |
|
|
Finarca |
17.1 |
|
|
|
| Bac |
16.0 |
13.8 |
18.5 |
-15.0 |
6.5 |
6.5 |
|
|
Procredit |
17.4 |
|
|
|
| Bdf |
20.7 |
17.9 |
63.9 |
13.6 |
4.5 |
5.0 |
|
|
Bdf |
17.9 |
|
|
|
| Buno |
15.5 |
14.2 |
-19.5 |
-2.3 |
5.2 |
5.1 |
|
|
Banistmo |
48.9 |
|
|
|
| Banistmo |
|
48.9 |
#¡DIV/0! |
#¡DIV/0! |
|
15.5 |
|
|
|
|
|
|
|
| Procredit |
13.1 |
17.4 |
12.4 |
46.1 |
18.5 |
14.6 |
|
|
|
|
|
|
|
| Finarca |
19.0 |
17.1 |
-19.6 |
-13.2 |
4.7 |
5.2 |
|
|
|
|
|
|
|
| Findesa |
15.1 |
13.4 |
-79.9 |
-13.3 |
14.2 |
11.0 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| RENTABILIDAD (%) |
|
|
Oct-05 |
ROA |
ROE |
|
|
| |
s/activos
prom. ** |
s/patrimonio
prom. ** |
Margen
financiero ** 1/ |
|
|
Procredit |
4.3 |
28.0 |
|
|
| Institución |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
|
|
Findesa |
3.7 |
34.3 |
|
|
| |
|
|
|
|
|
|
|
|
Finarca |
3.7 |
17.4 |
|
|
| SFN |
2.9 |
2.5 |
37.0 |
28.8 |
8.1 |
7.6 |
|
|
Buno |
3.2 |
33.9 |
|
|
| Banpro |
2.4 |
2.2 |
37.2 |
31.5 |
5.3 |
5.8 |
|
|
Bac |
3.1 |
31.2 |
|
|
| Bancentro |
2.2 |
2.3 |
32.4 |
29.9 |
6.0 |
5.4 |
|
|
Bdf |
2.4 |
30.0 |
|
|
| Bac |
5.7 |
3.1 |
57.5 |
31.2 |
10.9 |
7.8 |
|
|
Bancentro |
2.3 |
29.9 |
|
|
| Bdf |
2.0 |
2.4 |
33.6 |
30.0 |
8.3 |
6.7 |
|
|
Banpro |
2.2 |
31.5 |
|
|
| Buno |
2.8 |
3.2 |
29.2 |
33.9 |
12.3 |
14.1 |
|
|
Banistmo |
-9.3 |
-11.0 |
|
|
| Banistmo |
|
-9.3 |
|
-11.0 |
|
5.0 |
|
|
|
|
|
|
|
| Procredit |
6.2 |
4.3 |
43.0 |
28.0 |
26.0 |
22.8 |
|
|
|
|
|
|
|
| Finarca |
4.4 |
3.7 |
20.9 |
17.4 |
10.0 |
9.0 |
|
|
|
|
|
|
|
| Findesa |
5.4 |
3.7 |
36.3 |
34.3 |
22.2 |
17.2 |
|
|
|
|
|
|
|
| *: En
octubre del 2004 el Caley Dagnall tuvo una
participación del 3.6% |
|
|
|
|
|
|
|
|
|
|
|
|
|
| **: En el caso
de Banistmo, estos cálculos están anualizados |
|
|
|
|
|
|
|
|
| 1/: Margen
antes de ajustes monetarios. |
|
|
|
|
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|
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|