| Riesgo Crediticio |
| Septiembre/07 |
| Indicadores
Financieros y Estructurales |
|
|
|
|
|
|
|
|
|
|
|
|
|
| (En porcentaje) |
Crecimiento interanual de cartera |
Cartera vencida 1/ /Cartera Bruta |
Provisiones/ Cartera Bruta |
|
|
|
|
|
Personal |
Comercial |
Agrícola |
Ganadero |
Industrial |
Vivienda |
Tarjeta |
Otros |
|
| Calificación
de Cartera |
(C$ millones) |
| Saldo de cartera total |
| |
|
|
|
|
| A |
B |
C |
D |
E |
Distribución de Cartera |
| Banpro |
24.5 |
2.5 |
3.4 |
91.7 |
3.8 |
2.3 |
1.3 |
0.8 |
5.3 |
26.9 |
13.1 |
3.4 |
14.3 |
8.0 |
25.0 |
3.9 |
8,349.7 |
| Bancentro |
23.1 |
2.4 |
3.1 |
89.7 |
5.0 |
2.1 |
2.3 |
0.9 |
10.2 |
32.1 |
12.4 |
9.8 |
8.3 |
15.2 |
6.9 |
5.2 |
7,542.0 |
| Bac |
28.0 |
2.5 |
4.2 |
89.0 |
6.2 |
2.2 |
0.9 |
1.6 |
14.6 |
25.2 |
5.1 |
0.4 |
11.6 |
14.4 |
26.7 |
2.0 |
7,854.6 |
| Bdf |
19.5 |
2.4 |
3.3 |
90.9 |
5.1 |
1.5 |
1.2 |
1.3 |
33.9 |
9.9 |
2.2 |
0.2 |
0.9 |
39.1 |
4.7 |
1.3 |
4,379.9 |
| B Uno |
20.8 |
4.9 |
5.5 |
84.0 |
4.4 |
4.9 |
6.4 |
0.3 |
29.1 |
7.3 |
5.8 |
0.1 |
1.7 |
5.7 |
50.1 |
0.3 |
3,496.3 |
| Banistmo |
47.7 |
0.0 |
1.0 |
99.9 |
0.1 |
0.0 |
0.0 |
0.0 |
2.4 |
58.6 |
0.0 |
4.7 |
19.9 |
4.9 |
0.0 |
9.4 |
876.2 |
| Procredit |
46.8 |
1.4 |
4.3 |
96.9 |
1.2 |
0.4 |
0.2 |
1.4 |
1.3 |
36.0 |
8.5 |
14.6 |
3.5 |
8.5 |
0.0 |
27.7 |
2,106.6 |
| Finarca |
12.5 |
4.4 |
3.1 |
88.7 |
7.2 |
2.0 |
1.3 |
0.7 |
7.4 |
51.6 |
5.4 |
1.1 |
10.6 |
3.6 |
0.0 |
20.1 |
397.4 |
| Findesa |
47.2 |
2.4 |
3.7 |
91.7 |
5.5 |
0.9 |
0.7 |
1.3 |
20.5 |
43.5 |
4.3 |
21.8 |
2.3 |
2.4 |
5.2 |
0.0 |
2,133.7 |
| Fama |
0.0 |
-2.7 |
8.4 |
88.9 |
5.8 |
2.0 |
1.5 |
1.8 |
-26.9 |
-69.0 |
0.0 |
0.0 |
-0.1 |
-4.0 |
0.0 |
0.0 |
511.4 |
| Total |
28.2 |
2.0 |
3.8 |
90.4 |
4.7 |
2.1 |
1.8 |
1.0 |
14.7 |
27.7 |
8.0 |
5.0 |
8.4 |
13.7 |
18.0 |
4.5 |
37,647.7 |
| 1/ Incluye cartera en cobro judicial |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Cartera de
Créditos por Situación |
|
|
|
|
Cartera Vencida y en Cobro Judicial de cada
Actividad |
|
|
|
|
| Como
porcentaje del saldo de cartera bruta |
|
|
|
|
Como porcentaje del saldo de cartera bruta de
cada actividad |
|
|
|
|
| (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 |
41.7 |
49.7 |
1.8 |
4.4 |
2.5 |
100.0 |
|
Banpro |
|
3.5 |
0.3 |
0.0 |
0.1 |
1.1 |
3.4 |
7.0 |
0.0 |
| Bancentro |
30.1 |
61.8 |
2.5 |
3.2 |
2.4 |
100.0 |
|
Bancentro |
1.0 |
2.4 |
4.2 |
0.4 |
2.2 |
2.7 |
3.9 |
1.8 |
| Bac |
41.5 |
55.2 |
0.2 |
0.7 |
2.5 |
100.0 |
|
Bac |
|
2.0 |
1.2 |
0.4 |
0.0 |
0.0 |
1.0 |
6.5 |
0.0 |
| Bdf |
10.9 |
86.4 |
0.0 |
0.3 |
2.4 |
100.0 |
|
Bdf |
|
4.0 |
2.7 |
0.0 |
4.4 |
0.1 |
0.5 |
7.0 |
1.9 |
| B Uno |
54.6 |
36.3 |
0.0 |
4.1 |
5.0 |
100.0 |
|
B Uno |
|
0.1 |
2.9 |
2.2 |
0.0 |
57.6 |
1.8 |
7.0 |
0.1 |
| Banistmo |
49.9 |
50.1 |
0.0 |
0.0 |
0.0 |
100.0 |
|
Banistmo |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Procredit |
20.6 |
78.0 |
0.0 |
0.0 |
1.4 |
100.0 |
|
Procredit |
|
5.4 |
1.5 |
1.8 |
0.7 |
2.7 |
0.8 |
0.0 |
1.3 |
| Finarca |
24.1 |
70.6 |
0.0 |
0.9 |
4.5 |
100.0 |
|
Finarca |
|
7.5 |
4.2 |
1.2 |
0.9 |
4.6 |
0.0 |
0.0 |
5.7 |
| Findesa |
17.3 |
79.7 |
0.3 |
0.2 |
2.4 |
100.0 |
|
Findesa |
|
3.2 |
1.6 |
1.6 |
1.3 |
1.2 |
0.9 |
13.0 |
0.0 |
| Fama |
39.7 |
57.6 |
0.0 |
0.0 |
2.7 |
100.0 |
|
Fama |
5.5 |
1.7 |
0.0 |
0.0 |
0.0 |
0.6 |
0.0 |
0.0 |
| Total |
34.3 |
59.9 |
1.0 |
2.2 |
2.6 |
100.0 |
|
Total |
|
2.1 |
1.5 |
1.7 |
0.6 |
1.7 |
1.1 |
4.5 |
1.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Préstamos a
Partes Relacionadas |
|
|
Activos de Riesgo Crediticio |
|
|
|
|
|
|
|
| (Como % de la Base de Cálculo) |
|
|
|
|
(Cifras en
millones C$) |
Ponderaciones |
|
| |
Sep-06 |
Sep-07 |
|
0% |
20% |
50% |
100% |
|
| Banpro |
35.3 |
26.1 |
|
Banpro |
13,236.2 |
20.1 |
647.9 |
7,977.8 |
|
| Bancentro |
38.4 |
37.2 |
|
Bancentro |
7,496.8 |
265.1 |
1,138.9 |
7,310.0 |
|
| Bac |
32.1 |
37.4 |
|
Bac |
3,947.9 |
0.0 |
1,131.4 |
6,872.6 |
|
| Bdf |
42.3 |
26.3 |
|
Bdf |
3,125.3 |
24.8 |
1,784.7 |
2,907.9 |
|
| B.Uno |
40.4 |
19.7 |
|
B Uno |
5,086.7 |
0.0 |
195.9 |
3,232.2 |
|
| Banistmo |
0.4 |
1.6 |
|
Banistmo |
66.34 |
0.2 |
46.5 |
865.3 |
|
| Procredit |
0.0 |
1.1 |
|
Procredit |
344.3 |
7.6 |
180.1 |
2,077.0 |
|
| Finarca |
25.2 |
22.3 |
|
Finarca |
28.54 |
0.0 |
28.1 |
396.8 |
|
| Findesa |
2.1 |
1.6 |
|
Findesa |
378.2 |
0.0 |
142.1 |
2,202.8 |
|
| Fama |
0.0 |
0.1 |
|
Fama |
|
|
6.7 |
0.0 |
38.7 |
486.6 |
|
| Total |
31.4 |
25.2 |
|
Total |
33,716.9 |
317.9 |
5,334.2 |
34,329.1 |
|
| Límite máximo
de 60% de la Base de Calculo |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Límite máximo de 50% de la Base de Calculo hasta abril 07 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Límite máximo de 40% de la Base de Calculo a partir de Mayo 07 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|