| Riesgo Crediticio |
| Enero-05 |
| Indicadores
Financieros y Estructurales |
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| (En
porcentaje) |
Crecimiento interanual de cartera |
Cartera vencida 1//Cartera Bruta |
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Provisiones/ |
Calificación de Cartera |
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(C$ millones) |
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Cartera |
Personal |
Comercial |
Agrìcola |
Ganadero |
Industrial |
Vivienda |
Tarjeta |
Otros |
Saldo de cartera total |
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Bruta |
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A |
B |
C |
D |
E |
Distribución de Cartera |
| Banpro |
25.1 |
1.4 |
3.2 |
88.5 |
7.0 |
3.2 |
0.4 |
0.9 |
5.4 |
33.2 |
16.2 |
1.4 |
12.7 |
8.7 |
9.4 |
13.0 |
4,269.9 |
| Bancentro |
36.8 |
2.5 |
5.3 |
84.6 |
6.3 |
6.2 |
1.8 |
1.1 |
7.5 |
25.5 |
18.0 |
7.3 |
16.7 |
14.7 |
5.6 |
4.6 |
3,894.4 |
| Bac |
33.9 |
2.0 |
4.6 |
83.6 |
7.3 |
6.5 |
1.5 |
1.2 |
14.6 |
30.1 |
6.0 |
0.0 |
12.0 |
11.1 |
26.0 |
0.2 |
4,168.7 |
| Bdf |
27.3 |
1.5 |
2.4 |
92.9 |
4.3 |
1.5 |
0.5 |
0.8 |
27.2 |
26.5 |
3.2 |
0.5 |
2.8 |
30.9 |
3.6 |
5.3 |
2,364.3 |
| B Uno |
-1.9 |
5.1 |
6.0 |
76.7 |
8.8 |
8.9 |
5.1 |
0.5 |
15.9 |
7.2 |
12.8 |
0.0 |
4.4 |
2.1 |
56.5 |
1.1 |
1,664.7 |
| Caley D. |
20.8 |
2.3 |
7.3 |
65.8 |
19.8 |
9.4 |
0.9 |
4.1 |
4.2 |
23.1 |
42.8 |
1.0 |
11.6 |
6.3 |
0.0 |
11.0 |
706.9 |
| Banistmo |
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| Procredit |
81.6 |
0.6 |
3.6 |
97.0 |
1.7 |
0.5 |
0.2 |
0.6 |
9.1 |
38.7 |
8.1 |
0.0 |
3.6 |
13.3 |
0.0 |
27.3 |
725.4 |
| Finarca |
16.7 |
1.5 |
2.6 |
87.1 |
11.0 |
0.5 |
0.8 |
0.6 |
5.4 |
45.3 |
2.3 |
0.0 |
14.1 |
2.9 |
0.0 |
30.0 |
206.5 |
| Findesa |
83.0 |
1.2 |
2.0 |
93.7 |
4.6 |
1.0 |
0.3 |
0.5 |
11.7 |
61.8 |
3.2 |
16.5 |
4.9 |
1.9 |
0.0 |
0.0 |
552.1 |
| Total |
28.9 |
2.1 |
4.2 |
85.7 |
7.0 |
4.9 |
1.4 |
1.0 |
11.9 |
28.5 |
12.5 |
2.5 |
10.8 |
12.6 |
14.7 |
6.6 |
18,552.8 |
| 1/ Incluye cartera en cobro judicial |
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| Cartera de
Créditos por Situación |
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Cartera Vencida y en Cobro Judicial de cada
Actividad |
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| Como porcentaje
del saldo de cartera bruta |
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Como porcentaje del saldo de cartera bruta de
cada actividad |
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| (En
porcentaje) |
Vigentes < 18 meses |
Vigentes > 18 meses |
Prorrogados |
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Vencido y Cobro Judicial |
TOTAL |
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(En porcentaje) |
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(C$ millones) |
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Reestructurados |
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Personal |
Comercial |
Agrìcola |
Ganadero |
Industrial |
Vivienda |
Tarjeta |
Saldo de |
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cartera total |
| Banpro |
37.6 |
52.7 |
1.7 |
6.6 |
1.4 |
100.0 |
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Banpro |
6.5 |
1.1 |
0.1 |
1.3 |
0.3 |
2.8 |
3.7 |
0.7 |
| Bancentro |
31.4 |
55.4 |
0.7 |
10.0 |
2.5 |
100.0 |
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Bancentro |
1.6 |
1.8 |
3.5 |
0.3 |
0.8 |
1.5 |
15.0 |
2.4 |
| Bac |
43.5 |
52.2 |
0.0 |
2.3 |
2.0 |
100.0 |
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Bac |
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1.5 |
0.2 |
2.4 |
0.0 |
0.0 |
1.4 |
5.1 |
55.5 |
| Bdf |
19.0 |
76.2 |
0.0 |
3.3 |
1.5 |
100.0 |
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Bdf |
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2.0 |
0.8 |
0.0 |
0.5 |
0.3 |
0.9 |
10.4 |
1.7 |
| B Uno |
65.0 |
17.9 |
0.1 |
11.8 |
5.1 |
100.0 |
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B Uno |
1.0 |
5.3 |
1.3 |
0.0 |
17.2 |
0.5 |
6.4 |
0.0 |
| Caley D. |
33.7 |
37.0 |
1.9 |
25.0 |
2.3 |
100.0 |
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Caley D. |
5.7 |
2.4 |
3.0 |
5.0 |
0.7 |
0.9 |
##### |
0.5 |
| Banistmo |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
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Banistmo |
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#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
##### |
#¡DIV/0! |
| Procredit |
23.7 |
75.5 |
0.0 |
0.2 |
0.6 |
100.0 |
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Procredit |
0.8 |
0.6 |
0.2 |
#¡DIV/0! |
1.2 |
0.1 |
0.0 |
0.7 |
| Finarca |
32.6 |
64.5 |
0.6 |
0.7 |
1.5 |
100.0 |
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Finarca |
1.0 |
1.2 |
0.0 |
0.0 |
2.0 |
0.0 |
##### |
2.0 |
| Findesa |
35.6 |
62.4 |
0.7 |
0.1 |
1.2 |
100.0 |
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Findesa |
1.6 |
1.5 |
0.5 |
0.3 |
0.7 |
0.1 |
##### |
0.0 |
| Total |
36.9 |
53.7 |
0.6 |
6.6 |
2.1 |
100.0 |
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Total |
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2.1 |
1.1 |
1.9 |
0.5 |
1.1 |
1.4 |
6.3 |
1.5 |
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| Préstamos a
Partes Relacionadas |
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Activos de Riesgo Crediticio |
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| (Como % de la Base de Cálculo) |
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(C$ millones) |
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Ponderaciones |
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ene-04 |
ene-05 |
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0% |
20% |
50% |
100% |
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| Banpro |
11.3 |
37.9 |
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Banpro |
8,057,166.4 |
490,758.8 |
427,379.9 |
3,920,979.7 |
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| Bancentro |
25.6 |
56.1 |
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Bancentro |
5,448,801.3 |
421,207.7 |
565,641.1 |
3,854,451.2 |
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| Bac |
28.0 |
31.3 |
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Bac |
2,782,264.9 |
109,435.3 |
455,769.3 |
3,918,915.7 |
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| Bdf |
44.2 |
43.1 |
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Bdf |
3,026,896.2 |
256,338.6 |
725,116.2 |
1,657,320.5 |
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| B Uno |
43.6 |
31.1 |
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B Uno |
2,691,092.0 |
520,545.1 |
36,487.6 |
1,670,469.4 |
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| Caley D. |
26.3 |
12.3 |
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Caley D. |
814,311.6 |
36,124.7 |
43,997.8 |
498,304.6 |
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| Banistmo |
11.3 |
37.9 |
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Banistmo |
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| Procredit |
2.1 |
0.0 |
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Procredit |
52,705.1 |
37,884.6 |
115,459.7 |
656,281.5 |
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| Finarca |
23.1 |
28.7 |
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Finarca |
16,786.7 |
456.7 |
8,993.5 |
233,642.2 |
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| Findesa |
0.0 |
0.0 |
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Findesa |
88,731.8 |
0.0 |
107,232.8 |
577,104.6 |
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| Total |
25.1 |
34.2 |
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Total |
22,978,755.8 |
1,872,751.5 |
2,486,078.0 |
16,987,469.5 |
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| Límite máximo
de 60% de la Base de Calculo |
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