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| TOTAL SISTEMA |
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| Rendimientos y Costos Financieros |
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| (Cifras expresadas en
Millones de Córdobas y en porcentajes) |
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|
|
|
|
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|
|
64 |
76 |
64 |
76 |
|
|
Saldo
Promedio (C$MM) |
Rendimiento / Costo |
Diferencia |
|
Ene-06 |
Ene-07 |
Ene-06 |
Ene-07 |
Ene-07 - Ene-06 |
| INGRESOS FINANCIEROS |
36,112.46 |
41,467.10 |
14.63% |
16.53% |
1.90% |
| Por Disponibilidades |
9,193.84 |
12,493.04 |
0.60% |
0.85% |
0.25% |
| en el exterior |
1,497.11 |
1,940.66 |
3.58% |
4.20% |
0.62% |
| Por Inversiones |
10,895.43 |
8,453.22 |
10.36% |
12.25% |
1.89% |
| valores del estado |
9,607.13 |
9,607.13 |
11.20% |
12.84% |
1.64% |
| depósitos en el exterior |
789.34 |
164.51 |
6.70% |
4.30% |
-2.40% |
| otros |
498.97 |
279.82 |
0.00% |
0.00% |
0.00% |
| Por créditos |
23,719.93 |
31,073.23 |
16.51% |
17.28% |
0.77% |
| Por créditos (c/saneamientos) |
0.00 |
0.00 |
16.22% |
16.93% |
0.71% |
| personales |
3,263.07 |
4,431.80 |
21.77% |
30.98% |
9.21% |
| comerciales |
6,784.65 |
8,903.43 |
12.72% |
12.78% |
0.06% |
| agrícolas |
2,634.38 |
2,959.15 |
11.82% |
10.23% |
-1.59% |
| ganaderos |
804.55 |
1,385.99 |
13.16% |
10.74% |
-2.42% |
| industriales |
2,426.51 |
2,974.11 |
10.74% |
10.60% |
-0.14% |
| vivienda |
3,113.11 |
4,224.34 |
11.85% |
10.86% |
-0.99% |
| tarjeta |
3,344.62 |
4,729.21 |
32.11% |
31.02% |
-1.09% |
| otros |
1,349.04 |
1,465.21 |
16.49% |
11.32% |
-5.17% |
| Por otras operaciones |
0.00 |
0.00 |
0.00% |
0.00% |
0.00% |
| |
|
|
|
|
|
| GASTOS FINANCIEROS |
35,117.88 |
41,021.73 |
4.48% |
5.23% |
0.75% |
| Por obligaciones con el público |
29,906.91 |
31,944.63 |
3.94% |
4.36% |
0.42% |
| depósitos de ahorro |
13,275.40 |
14,612.22 |
2.32% |
2.37% |
0.05% |
| depósitos a plazo |
13,041.79 |
13,494.76 |
5.79% |
6.75% |
0.96% |
| otros |
3,589.73 |
3,837.66 |
3.17% |
3.52% |
0.35% |
| Por oblig. c/insituciones
financ. |
5,126.74 |
8,865.50 |
7.19% |
7.68% |
0.49% |
| FNI |
1,554.99 |
1,849.41 |
6.04% |
6.58% |
0.54% |
| Instituciones del exterior |
817.70 |
1,920.38 |
7.15% |
7.14% |
-0.01% |
| otros |
2,754.06 |
5,095.71 |
7.85% |
8.29% |
0.44% |
| Por obligaciones con el
BCN |
13.44 |
10.98 |
6.25% |
7.65% |
1.40% |
| Por oblig.
Subord/convert. en K |
70.80 |
200.63 |
10.51% |
10.83% |
0.32% |
|
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| SPREAD
FINANCIERO |
|
|
10.15% |
11.30% |
1.15% |
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