| SUPERINTENDENCIA DE BANCOS Y DE OTRAS INSTITUCIONES
FINANCIERAS |
| SISTEMA
BANCARIO Y FINANCIERAS (CONSOLIDADO) |
| Riesgo
Crediticio |
| Al 31 de Julio de 2010 |
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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 |
Prorrogados |
Reestructurado |
Vencido |
Cobro Judicial |
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(En porcentaje) |
Comercial |
Personal |
Extra Financiamiento |
Tarjeta de Credito |
Agricola |
Ganadero |
Industrial |
Hipotecario |
Otros |
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| Banpro |
89.6 |
0.3 |
7.7 |
1.9 |
0.5 |
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Banpro |
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2.0 |
1.4 |
7.5 |
7.1 |
0.4 |
6.2 |
0.4 |
2.3 |
0.0 |
| Bancentro |
88.0 |
0.2 |
9.0 |
1.9 |
0.9 |
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Bancentro |
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3.1 |
2.4 |
0.0 |
6.5 |
0.4 |
8.9 |
1.1 |
2.1 |
0.0 |
| Bac |
96.0 |
0.0 |
2.4 |
0.8 |
0.8 |
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Bac |
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1.9 |
1.3 |
2.5 |
1.7 |
0.6 |
1.5 |
1.3 |
1.9 |
0.0 |
| Bdf |
90.4 |
0.0 |
6.0 |
3.0 |
0.6 |
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Bdf |
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2.1 |
6.7 |
0.0 |
4.1 |
0.0 |
0.0 |
0.0 |
2.7 |
0.0 |
| Banco
Citibank |
87.7 |
0.0 |
8.5 |
3.2 |
0.7 |
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Banco
Citibank |
5.6 |
2.8 |
0.0 |
4.8 |
3.9 |
20.5 |
0.0 |
13.6 |
0.0 |
| Procredit |
85.4 |
0.5 |
10.9 |
2.1 |
1.1 |
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Procredit |
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2.7 |
2.2 |
0.0 |
0.0 |
7.5 |
10.8 |
3.9 |
1.4 |
0.0 |
| Banex |
53.1 |
0.5 |
27.5 |
15.3 |
3.7 |
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Banex |
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18.5 |
10.0 |
0.0 |
28.7 |
30.2 |
47.0 |
13.8 |
7.7 |
0.0 |
| Finarca |
94.4 |
0.0 |
1.6 |
0.3 |
3.7 |
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Finarca |
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3.9 |
1.4 |
0.0 |
0.0 |
0.0 |
28.3 |
5.5 |
0.7 |
0.0 |
| Fama |
82.9 |
0.1 |
6.0 |
5.8 |
5.2 |
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Fama |
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11.2 |
1.8 |
0.0 |
0.0 |
0.0 |
80.2 |
26.7 |
11.7 |
0.0 |
| Total |
88.9 |
0.2 |
7.5 |
2.5 |
0.9 |
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Total |
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4.3 |
3.6 |
2.5 |
4.7 |
0.9 |
10.7 |
1.0 |
2.7 |
0.0 |
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| Préstamos a
Partes Relacionadas |
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| (Como % de la Base de Cálculo) |
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| (En porcentaje) |
Jul-09 |
Jul-10 |
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(En porcentaje) |
Calificación de Cartera |
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| Banpro |
25.7 |
23.5 |
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A |
B |
C |
D |
E |
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| Bancentro |
21.7 |
21.5 |
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Banpro |
87.9% |
3.6% |
5.3% |
2.9% |
0.3% |
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| Bac |
23.0 |
29.5 |
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Bancentro |
81.0% |
5.9% |
7.5% |
2.4% |
3.2% |
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| Bdf |
21.6 |
29.7 |
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Bac |
91.6% |
4.5% |
1.0% |
2.3% |
0.5% |
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| Banco Citibank |
29.1 |
17.8 |
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Bdf |
89.6% |
3.9% |
2.7% |
2.8% |
1.0% |
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| Procredit |
2.0 |
2.0 |
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Banco
Citibank |
86.1% |
3.3% |
3.6% |
5.5% |
1.4% |
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| Banex |
1.5 |
3.3 |
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Procredit |
82.8% |
7.6% |
3.0% |
2.7% |
3.9% |
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| Finarca |
2.1 |
2.4 |
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Banex |
41.5% |
20.1% |
11.8% |
12.1% |
14.4% |
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| Fama |
0.1 |
0.1 |
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Finarca |
89.9% |
1.8% |
0.5% |
5.6% |
2.3% |
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| Total |
20.1 |
22.80 |
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Fama |
78.3% |
5.2% |
2.9% |
3.0% |
10.7% |
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| Límite máximo
de 60% de la Base de Calculo |
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| Límite máximo de 50% de la Base de Calculo hasta abril 07 |
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| Límite máximo de 40% de la Base de Calculo a partir de Mayo 07 |
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| Límite máximo de 30% de la Base de Calculo a partir de Mayo 08 |
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