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| INDICADORES
FINANCIEROS |
|
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|
|
|
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|
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|
|
| CARTERA DE CREDITOS (%) |
|
Crecimiento |
|
|
|
|
| |
Vencida |
|
Crec.
Interanual |
Rendim.
por cartera ** |
|
anual (%) |
|
|
|
|
| Institución |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
|
Personal |
51.6 |
|
|
|
|
| |
|
|
|
|
|
|
|
Comercio |
28.4 |
|
|
|
|
| SFN |
2.2 |
2.1 |
28.0 |
30.2 |
17.0 |
16.2 |
|
Agrícola |
16.5 |
|
|
|
|
| Banpro |
1.3 |
1.8 |
21.7 |
38.6 |
14.6 |
14.4 |
|
Ganado |
81.0 |
|
|
|
|
| Bancentro |
2.4 |
1.8 |
38.7 |
24.8 |
12.5 |
11.5 |
|
Industria |
27.4 |
|
|
|
|
| Bac |
2.3 |
2.1 |
33.2 |
27.3 |
16.4 |
14.9 |
|
Vivienda |
36.8 |
|
|
|
|
| Bdf |
1.5 |
1.6 |
24.1 |
33.1 |
14.1 |
13.7 |
|
Tarjeta |
29.1 |
|
|
|
|
| Buno |
5.1 |
5.4 |
-0.7 |
34.4 |
28.4 |
28.5 |
|
Otros |
3.2 |
|
|
|
|
| Banistmo |
#¡DIV/0! |
|
#¡DIV/0! |
#¡DIV/0! |
|
9.8 |
|
|
|
|
|
|
|
| Procredit |
0.6 |
1.0 |
80.6 |
55.4 |
37.7 |
32.5 |
|
|
|
|
|
|
|
| Finarca |
1.6 |
2.4 |
7.4 |
47.5 |
18.5 |
16.8 |
|
|
|
|
|
|
|
| Findesa |
1.1 |
1.0 |
89.6 |
76.4 |
29.7 |
27.1 |
|
|
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| |
|
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|
|
|
|
|
|
|
| DEPOSITOS
(%) |
|
|
|
|
|
|
|
| |
Participación * |
|
Crec.
Interanual |
Costo
por depósitos ** |
|
|
|
|
|
|
|
| Institución |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
| SFN |
96.7 |
100.0 |
16.7 |
13.0 |
4.3 |
3.8 |
|
|
|
|
|
|
|
| Banpro |
30.1 |
31.1 |
16.2 |
17.1 |
4.9 |
4.0 |
|
|
|
|
|
|
|
| Bancentro |
24.2 |
23.3 |
25.0 |
8.9 |
4.3 |
3.9 |
|
|
|
|
|
|
|
| Bac |
16.9 |
19.2 |
13.8 |
28.5 |
2.9 |
2.9 |
|
|
|
|
|
|
|
| Bdf |
14.4 |
14.1 |
9.2 |
10.7 |
4.5 |
3.9 |
|
|
|
|
|
|
|
| Buno |
9.5 |
9.7 |
10.6 |
14.8 |
4.4 |
3.7 |
|
|
|
|
|
|
|
| Banistmo |
|
0.1 |
#¡DIV/0! |
#¡DIV/0! |
|
3.4 |
|
|
|
|
|
|
|
| Procredit |
0.8 |
1.2 |
41.2 |
54.7 |
6.2 |
5.1 |
|
|
|
|
|
|
|
| Finarca |
0.3 |
0.3 |
62.9 |
31.8 |
6.4 |
5.4 |
|
|
|
|
|
|
|
| Findesa |
0.48 |
0.98 |
2059.527 |
131.7 |
5.7 |
6.1 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| SOLVENCIA Y
EFICIENCIA (%) |
|
|
|
|
|
|
|
|
Adecuación |
Dic-05 |
|
|
|
| |
Adecuación |
Crec.Patrim.-Crec.
Act. |
Eficienc.
Admtva. ** |
|
|
Bancentro |
12.0 |
|
|
|
| Institución |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
|
|
Findesa |
12.6 |
|
|
|
| |
|
|
|
|
|
|
|
|
Banpro |
12.7 |
|
|
|
| SFN |
14.3 |
13.6 |
19.7 |
1.1 |
5.1 |
5.2 |
|
|
Bac |
12.9 |
|
|
|
| Banpro |
14.1 |
12.7 |
14.3 |
9.3 |
4.0 |
4.3 |
|
|
Buno |
13.2 |
|
|
|
| Bancentro |
11.5 |
12.0 |
43.8 |
0.8 |
4.1 |
4.1 |
|
|
Procredit |
15.8 |
|
|
|
| Bac |
13.4 |
12.9 |
4.6 |
-0.8 |
6.7 |
6.4 |
|
|
Bdf |
17.6 |
|
|
|
| Bdf |
19.6 |
17.6 |
56.2 |
14.3 |
4.9 |
4.9 |
|
|
Finarca |
18.0 |
|
|
|
| Buno |
15.0 |
13.2 |
-11.8 |
-3.3 |
5.2 |
5.3 |
|
|
Banistmo |
31.6 |
|
|
|
| Banistmo |
|
31.6 |
#¡DIV/0! |
-120.1 |
|
14.1 |
|
|
|
|
|
|
|
| Procredit |
13.0 |
15.8 |
20.9 |
33.4 |
18.2 |
14.7 |
|
|
|
|
|
|
|
| Finarca |
23.1 |
18.0 |
5.2 |
-33.4 |
4.7 |
5.3 |
|
|
|
|
|
|
|
| Findesa |
15.0 |
12.6 |
-74.0 |
-7.6 |
13.1 |
10.6 |
|
|
|
|
|
|
|
| |
|
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|
|
|
|
|
|
|
|
|
|
| RENTABILIDAD (%) |
|
|
Dic-05 |
ROA |
ROE |
|
|
| |
s/activos
prom. ** |
s/patrimonio
prom. ** |
Margen
financiero ** 1/ |
|
|
Procredit |
4.0 |
24.9 |
|
|
| Institución |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
Dic-04 |
Dic-05 |
|
|
Findesa |
3.7 |
35.0 |
|
|
| |
|
|
|
|
|
|
|
|
Finarca |
3.7 |
18.0 |
|
|
| SFN |
2.8 |
2.6 |
34.9 |
29.4 |
8.1 |
7.7 |
|
|
Bac |
3.1 |
31.7 |
|
|
| Banpro |
2.1 |
2.5 |
31.3 |
35.1 |
5.4 |
6.1 |
|
|
Buno |
3.0 |
32.0 |
|
|
| Bancentro |
2.1 |
2.3 |
30.2 |
29.3 |
5.6 |
5.5 |
|
|
Banpro |
2.5 |
35.1 |
|
|
| Bac |
5.3 |
3.1 |
53.3 |
31.7 |
10.7 |
7.7 |
|
|
Bdf |
2.4 |
30.1 |
|
|
| Bdf |
2.4 |
2.4 |
37.2 |
30.1 |
8.4 |
6.9 |
|
|
Bancentro |
2.3 |
29.3 |
|
|
| Buno |
3.1 |
3.0 |
32.5 |
32.0 |
12.6 |
14.0 |
|
|
Banistmo |
-7.9 |
-10.4 |
|
|
| Banistmo |
|
-7.9 |
|
-10.4 |
|
5.5 |
|
|
|
|
|
|
|
| Procredit |
5.9 |
4.0 |
40.8 |
24.9 |
25.6 |
22.3 |
|
|
|
|
|
|
|
| Finarca |
4.7 |
3.7 |
22.0 |
18.0 |
10.4 |
8.6 |
|
|
|
|
|
|
|
| Findesa |
4.8 |
3.7 |
35.0 |
35.0 |
20.8 |
17.2 |
|
|
|
|
|
|
|
| *: En
diciembre del 2004 el Caley Dagnall tuvo una
participación del 3.3% |
|
|
|
|
|
|
|
|
|
|
|
|
|
| **: En el caso
de Banistmo, estos cálculos están anualizados |
|
|
|
|
|
|
|
|
| 1/: Margen
antes de ajustes monetarios. |
|
|
|
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