| Riesgo Crediticio |
| Julio/05 |
| Indicadores
Financieros y Estructurales |
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| (En
porcentaje) |
Crecimiento interanual de cartera |
Cartera vencida 1/ /Cartera Bruta |
Provisiones/ Cartera Bruta |
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|
Personal |
Comercial |
Agrícola |
Ganadero |
Industrial |
Vivienda |
Tarjeta |
Otros |
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| |
Calificación de Cartera |
(C$ millones) |
| |
Saldo de cartera total |
| |
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| |
A |
B |
C |
D |
E |
Distribución de Cartera |
| Banpro |
40.4 |
2.0 |
3.8 |
87.0 |
6.3 |
4.8 |
1.1 |
0.7 |
5.3 |
31.3 |
18.1 |
1.7 |
14.7 |
8.7 |
10.3 |
9.9 |
5,092.3 |
| Bancentro |
35.3 |
2.5 |
5.3 |
86.2 |
5.8 |
3.2 |
3.8 |
1.0 |
7.8 |
27.6 |
14.4 |
7.8 |
14.4 |
15.8 |
5.2 |
7.1 |
4,389.8 |
| Bac |
32.0 |
2.3 |
4.5 |
88.7 |
4.9 |
3.5 |
1.3 |
1.5 |
14.8 |
27.5 |
4.9 |
0.0 |
13.4 |
12.5 |
26.5 |
0.3 |
4,564.2 |
| Bdf |
41.8 |
1.4 |
2.7 |
92.9 |
3.9 |
1.5 |
0.6 |
1.0 |
32.6 |
20.7 |
2.6 |
0.2 |
3.2 |
32.2 |
3.5 |
5.0 |
2,726.2 |
| B Uno |
22.6 |
5.7 |
6.5 |
81.0 |
6.6 |
6.2 |
5.8 |
0.3 |
21.3 |
7.5 |
9.9 |
0.0 |
3.8 |
2.1 |
54.5 |
0.9 |
2,067.2 |
| Caley D. |
-100.0 |
#¡DIV/0! |
#¡DIV/0! |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
0.0 |
| Banistmo |
#¡DIV/0! |
0.0 |
1.1 |
100.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1.5 |
46.2 |
0.0 |
0.0 |
52.3 |
0.0 |
0.0 |
0.0 |
82.1 |
| Procredit |
62.8 |
1.0 |
4.6 |
96.1 |
1.6 |
0.8 |
0.3 |
1.3 |
7.7 |
36.8 |
12.4 |
0.0 |
3.4 |
12.8 |
0.0 |
27.0 |
898.4 |
| Finarca |
20.4 |
2.5 |
3.3 |
88.8 |
5.2 |
4.2 |
1.0 |
0.8 |
6.6 |
42.1 |
1.2 |
0.1 |
16.4 |
3.3 |
0.0 |
30.3 |
234.6 |
| Findesa |
61.7 |
1.3 |
2.2 |
93.5 |
4.5 |
1.0 |
0.6 |
0.4 |
19.4 |
52.2 |
4.2 |
18.8 |
4.1 |
1.3 |
0.0 |
0.0 |
705.9 |
| Total |
31.7 |
2.4 |
4.3 |
88.0 |
5.3 |
3.6 |
2.1 |
1.0 |
13.7 |
27.1 |
10.6 |
2.7 |
11.1 |
13.3 |
15.3 |
6.2 |
20,760.9 |
| 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 |
Reestructurados |
Vencido y Cobro Judicial |
TOTAL |
|
(En porcentaje) |
Personal |
Comercial |
Agrícola |
Ganadero |
Industrial |
Vivienda |
Tarjeta |
Otros |
| |
|
|
|
| |
|
|
|
| Banpro |
30.9 |
55.8 |
2.4 |
8.9 |
2.0 |
100.0 |
|
Banpro |
5.0 |
2.2 |
1.0 |
5.0 |
0.1 |
3.0 |
4.1 |
0.3 |
| Bancentro |
29.0 |
58.3 |
0.8 |
9.4 |
2.5 |
100.0 |
|
Bancentro |
1.5 |
1.7 |
4.3 |
0.2 |
0.8 |
1.7 |
14.2 |
1.9 |
| Bac |
38.5 |
57.1 |
0.0 |
2.1 |
2.3 |
100.0 |
|
Bac |
|
2.3 |
0.3 |
1.5 |
0.0 |
0.0 |
1.1 |
5.6 |
50.4 |
| Bdf |
15.9 |
80.2 |
0.0 |
2.5 |
1.4 |
100.0 |
|
Bdf |
|
2.3 |
0.4 |
0.0 |
0.0 |
0.2 |
0.4 |
10.9 |
1.2 |
| B Uno |
64.1 |
21.7 |
0.3 |
8.1 |
5.7 |
100.0 |
|
B Uno |
0.2 |
4.0 |
2.6 |
0.0 |
37.6 |
0.0 |
6.8 |
0.0 |
| Banistmo |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
|
Banistmo |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
| Banistmo |
72.5 |
27.5 |
0.0 |
0.0 |
0.0 |
100.0 |
|
Banistmo |
|
0.0 |
0.0 |
#¡DIV/0! |
#¡DIV/0! |
0.0 |
#¡DIV/0! |
#¡DIV/0! |
#¡DIV/0! |
| Procredit |
23.7 |
75.2 |
0.0 |
0.1 |
1.0 |
100.0 |
|
Procredit |
1.7 |
1.4 |
0.6 |
0.0 |
1.5 |
0.1 |
0.0 |
0.8 |
| Finarca |
30.2 |
62.9 |
0.5 |
3.8 |
2.5 |
100.0 |
|
Finarca |
0.9 |
4.3 |
0.0 |
0.0 |
1.1 |
0.0 |
#¡DIV/0! |
1.7 |
| Findesa |
32.2 |
65.8 |
0.6 |
0.1 |
1.3 |
100.0 |
|
Findesa |
5.9 |
0.1 |
0.0 |
0.1 |
1.4 |
3.4 |
#¡DIV/0! |
0.0 |
| Total |
33.4 |
57.6 |
0.8 |
5.8 |
2.4 |
100.0 |
|
Total |
|
2.3 |
1.4 |
2.1 |
0.9 |
1.6 |
1.3 |
6.6 |
1.4 |
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| Préstamos a
Partes Relacionadas |
|
|
Activos de Riesgo Crediticio |
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|
|
| (Como % de la Base de Cálculo) |
|
|
|
(C$ millones) |
|
|
Ponderaciones |
|
| |
Jul-04 |
Jul-05 |
|
|
|
|
0% |
20% |
50% |
100% |
|
| Banpro |
17.7 |
37.7 |
|
Banpro |
8,937,940.4 |
464,328.2 |
466,133.0 |
4,724,077.9 |
|
| Bancentro |
47.0 |
50.7 |
|
Bancentro |
5,857,218.4 |
346,238.0 |
682,447.2 |
4,442,334.0 |
|
| Bac |
37.5 |
32.8 |
|
Bac |
2,705,432.3 |
1,182,416.0 |
565,444.7 |
4,290,420.9 |
|
| Bdf |
28.0 |
41.3 |
|
Bdf |
3,028,495.2 |
181,301.9 |
875,729.2 |
1,781,969.1 |
|
| B Uno |
37.5 |
33.9 |
|
B Uno |
2,671,520.7 |
680,862.2 |
42,937.9 |
2,034,632.9 |
|
| Banistmo |
25.4 |
0.0 |
|
Banistmo |
23,779.0 |
46,783.4 |
4,227.5 |
105,725.0 |
|
| Banistmo |
17.7 |
37.7 |
|
Banistmo |
|
|
|
|
|
|
|
|
|
|
|
| Procredit |
1.3 |
0.0 |
|
Procredit |
90,861.9 |
21,295.8 |
138,183.0 |
866,083.5 |
|
| Finarca |
22.3 |
25.3 |
|
Finarca |
18,617.3 |
1,206.9 |
34,880.8 |
268,850.6 |
|
| Findesa |
0.0 |
0.0 |
|
Findesa |
114,554.4 |
0.0 |
163,432.3 |
741,088.6 |
|
| Total |
29.6 |
34.4 |
|
Total |
23,448,419.6 |
2,924,432.3 |
2,973,415.7 |
19,255,182.5 |
|
| Límite máximo
de 60% de la Base de Calculo. |
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