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|
| INDICADORES
FINANCIEROS |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| CARTERA DE CREDITOS (%) |
|
Crecimiento |
|
|
|
|
| |
Vencida |
|
Crec.
Interanual |
Rendim.
por cartera ** |
|
anual (%) |
|
|
|
|
| Institución |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
|
Personal |
17.6 |
|
|
|
|
| |
|
|
|
|
|
|
|
Comercio |
41.7 |
|
|
|
|
| SFN |
2.6 |
2.3 |
23.0 |
33.6 |
17.1 |
16.3 |
|
Agrícola |
17.0 |
|
|
|
|
| Banpro |
2.2 |
1.8 |
20.0 |
45.6 |
14.7 |
14.4 |
|
Ganado |
75.3 |
|
|
|
|
| Bancentro |
3.2 |
2.5 |
34.7 |
29.5 |
12.7 |
11.5 |
|
Industria |
38.5 |
|
|
|
|
| Bac |
2.2 |
2.2 |
25.2 |
32.3 |
16.5 |
15.0 |
|
Vivienda |
45.1 |
|
|
|
|
| Bdf |
2.4 |
1.5 |
10.0 |
37.5 |
14.4 |
13.7 |
|
Tarjeta |
27.7 |
|
|
|
|
| Buno |
4.8 |
5.4 |
1.6 |
32.5 |
28.0 |
28.7 |
|
Otros |
41.9 |
|
|
|
|
| Banistmo |
#¡DIV/0! |
|
#¡DIV/0! |
#¡DIV/0! |
|
9.5 |
|
|
|
|
|
|
|
| Procredit |
0.6 |
1.0 |
81.9 |
54.4 |
37.9 |
32.8 |
|
|
|
|
|
|
|
| Finarca |
1.9 |
2.7 |
1.0 |
46.0 |
18.0 |
17.1 |
|
|
|
|
|
|
|
| Findesa |
1.2 |
1.3 |
97.4 |
69.8 |
30.1 |
27.0 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| DEPOSITOS
(%) |
|
|
|
|
|
|
|
| |
Participación * |
|
Crec.
Interanual |
Costo
por depósitos ** |
|
|
|
|
|
|
|
| Institución |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| SFN |
96.6 |
100.0 |
19.3 |
12.9 |
4.5 |
3.7 |
|
|
|
|
|
|
|
| Banpro |
30.9 |
31.5 |
24.5 |
15.0 |
5.0 |
4.0 |
|
|
|
|
|
|
|
| Bancentro |
23.4 |
23.8 |
19.8 |
15.2 |
4.4 |
3.9 |
|
|
|
|
|
|
|
| Bac |
16.9 |
18.6 |
20.0 |
24.4 |
3.1 |
2.8 |
|
|
|
|
|
|
|
| Bdf |
14.7 |
14.2 |
11.3 |
8.5 |
4.7 |
3.8 |
|
|
|
|
|
|
|
| Buno |
9.3 |
9.5 |
9.2 |
15.4 |
4.5 |
3.7 |
|
|
|
|
|
|
|
| Banistmo |
|
0.1 |
#¡DIV/0! |
#¡DIV/0! |
|
3.3 |
|
|
|
|
|
|
|
| Procredit |
0.8 |
1.1 |
34.2 |
59.1 |
6.3 |
5.1 |
|
|
|
|
|
|
|
| Finarca |
0.3 |
0.3 |
52.5 |
24.0 |
6.5 |
5.3 |
|
|
|
|
|
|
|
| Findesa |
0.42 |
0.98 |
1304.276 |
164.0 |
5.5 |
6.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| SOLVENCIA Y
EFICIENCIA (%) |
|
|
|
|
|
|
|
|
Adecuación |
Nov-05 |
|
|
|
| |
Adecuación |
Crec.Patrim.-Crec.
Act. |
Eficienc.
Admtva. ** |
|
|
Bancentro |
12.3 |
|
|
|
| Institución |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
|
|
Findesa |
12.6 |
|
|
|
| |
|
|
|
|
|
|
|
|
Banpro |
13.4 |
|
|
|
| SFN |
15.2 |
14.2 |
13.6 |
8.7 |
5.1 |
5.2 |
|
|
Bac |
13.4 |
|
|
|
| Banpro |
16.0 |
13.4 |
15.5 |
7.9 |
3.9 |
4.3 |
|
|
Buno |
13.7 |
|
|
|
| Bancentro |
11.6 |
12.3 |
35.4 |
9.4 |
4.2 |
4.1 |
|
|
Procredit |
16.5 |
|
|
|
| Bac |
13.9 |
13.4 |
5.3 |
1.6 |
6.6 |
6.5 |
|
|
Bdf |
17.8 |
|
|
|
| Bdf |
20.8 |
17.8 |
54.9 |
15.3 |
4.7 |
4.9 |
|
|
Finarca |
19.2 |
|
|
|
| Buno |
16.1 |
13.7 |
-12.2 |
-4.1 |
5.2 |
5.2 |
|
|
Banistmo |
47.2 |
|
|
|
| Banistmo |
|
47.2 |
#¡DIV/0! |
#¡DIV/0! |
|
15.1 |
|
|
|
|
|
|
|
| Procredit |
13.1 |
16.5 |
25.0 |
42.5 |
18.5 |
14.5 |
|
|
|
|
|
|
|
| Finarca |
22.7 |
19.2 |
6.3 |
-26.2 |
4.7 |
5.3 |
|
|
|
|
|
|
|
| Findesa |
15.1 |
12.6 |
-76.2 |
-14.2 |
13.6 |
10.8 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| RENTABILIDAD (%) |
|
|
Nov-05 |
ROA |
ROE |
|
|
| |
s/activos
prom. ** |
s/patrimonio
prom. ** |
Margen
financiero ** 1/ |
|
|
Procredit |
4.2 |
26.8 |
|
|
| Institución |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
Nov-04 |
Nov-05 |
|
|
Findesa |
3.6 |
34.1 |
|
|
| |
|
|
|
|
|
|
|
|
Finarca |
3.6 |
17.3 |
|
|
| SFN |
2.9 |
2.6 |
36.5 |
29.3 |
8.1 |
7.7 |
|
|
Buno |
3.1 |
32.2 |
|
|
| Banpro |
2.4 |
2.3 |
36.4 |
32.7 |
5.4 |
6.0 |
|
|
Bac |
3.0 |
30.6 |
|
|
| Bancentro |
2.1 |
2.5 |
30.5 |
31.7 |
5.9 |
5.5 |
|
|
Bancentro |
2.5 |
31.7 |
|
|
| Bac |
5.6 |
3.0 |
55.9 |
30.6 |
10.7 |
7.7 |
|
|
Bdf |
2.5 |
30.7 |
|
|
| Bdf |
2.1 |
2.5 |
34.6 |
30.7 |
8.4 |
6.8 |
|
|
Banpro |
2.3 |
32.7 |
|
|
| Buno |
3.0 |
3.1 |
31.1 |
32.2 |
12.5 |
14.1 |
|
|
Banistmo |
-8.6 |
-10.6 |
|
|
| Banistmo |
|
-8.6 |
|
-10.6 |
|
5.2 |
|
|
|
|
|
|
|
| Procredit |
6.2 |
4.2 |
42.6 |
26.8 |
25.7 |
22.5 |
|
|
|
|
|
|
|
| Finarca |
4.3 |
3.6 |
20.4 |
17.3 |
9.9 |
9.0 |
|
|
|
|
|
|
|
| Findesa |
5.1 |
3.6 |
35.8 |
34.1 |
21.4 |
17.1 |
|
|
|
|
|
|
|
| *: En
noviembre del 2004 el Caley Dagnall tuvo una
participación del 3.4% |
|
|
|
|
|
|
|
|
|
|
|
|
|
| **: En el caso
de Banistmo, estos cálculos están anualizados |
|
|
|
|
|
|
|
|
| 1/: Margen
antes de ajustes monetarios. |
|
|
|
|
|
|
|
|
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|
