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| SISTEMA: Rendimientos y Costos Financieros |
Gráfico |
|
Tasas |
|
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|
 
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| |
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|
Saldos Promedio
(C$MM) |
Rendimiento
/ Costo |
Diferencia |
|
|
inversiones |
cartera |
ahorro |
plazo |
spread |
|
|
|
|
|
| |
|
|
|
May-04 |
May-05 |
May-04 |
May-05 |
(Mayo 05-04) |
|
May-04 |
15.2% |
16.9% |
2.9% |
7.3% |
10.8% |
|
|
|
|
|
| INGRESOS
FINANCIEROS |
25,119 |
29,876 |
14.8% |
14.2% |
-0.5% |
|
Jun-04 |
16.2% |
17.1% |
2.9% |
6.5% |
11.6% |
|
Crecimiento |
|
|
| |
Por Disponibilidades |
7,423 |
9,125 |
0.2% |
0.4% |
0.2% |
|
Jul-04 |
15.8% |
17.1% |
2.8% |
6.4% |
11.4% |
|
ahorro |
plazo |
|
|
| |
|
en el exterior |
|
1,449 |
2,120 |
1.0% |
1.7% |
0.6% |
|
Ago-04 |
15.4% |
16.9% |
2.8% |
6.4% |
11.3% |
May-04 |
25.1% |
6.5% |
|
|
| |
Por Inversiones |
10,014 |
10,434 |
13.4% |
13.0% |
-0.4% |
|
Sep-04 |
15.6% |
16.9% |
2.7% |
6.3% |
11.4% |
Jun-04 |
24.7% |
5.9% |
|
|
| |
|
valores del estado |
9,444 |
9,792 |
14.2% |
13.8% |
-0.4% |
|
Oct-04 |
15.4% |
16.9% |
2.7% |
6.3% |
11.3% |
Jul-04 |
26.9% |
9.0% |
|
|
| |
|
depósitos en el exterior |
174 |
300 |
2.2% |
2.1% |
-0.1% |
|
Nov-04 |
15.0% |
16.7% |
2.7% |
6.3% |
11.2% |
Ago-04 |
27.2% |
9.6% |
|
|
| |
|
otros |
|
396 |
342 |
0.0% |
0.0% |
0.0% |
|
Dic-04 |
14.8% |
16.4% |
2.7% |
6.3% |
11.1% |
Sep-04 |
28.9% |
11.8% |
|
|
| |
Por créditos |
|
13,464 |
17,145 |
17.3% |
16.5% |
-0.8% |
|
Ene-05 |
10.4% |
16.3% |
2.4% |
5.5% |
10.1% |
Oct-04 |
27.2% |
10.8% |
|
|
| |
Por
créditos (c/saneamientos) |
|
|
|
|
16.8% |
16.2% |
-0.6% |
|
Feb-05 |
10.3% |
16.0% |
2.3% |
5.2% |
7.8% |
Nov-04 |
24.7% |
11.0% |
|
|
| |
|
personales |
|
1,764 |
2,252 |
21.8% |
24.6% |
2.8% |
|
Mar-05 |
14.0% |
16.6% |
2.5% |
5.8% |
10.9% |
Dic-04 |
21.1% |
11.2% |
|
|
| |
|
comerciales |
|
3,347 |
4,609 |
13.5% |
12.8% |
-0.6% |
|
Abr-05 |
13.5% |
16.6% |
2.5% |
5.4% |
10.9% |
Ene-05 |
17.3% |
8.3% |
|
|
| |
|
agrícolas |
|
1,949 |
2,071 |
11.9% |
11.0% |
-0.9% |
|
May-05 |
13.0% |
16.5% |
2.4% |
5.4% |
10.8% |
Feb-05 |
17.3% |
7.0% |
|
|
| |
|
ganaderos |
|
282 |
419 |
15.9% |
14.3% |
-1.6% |
|
|
|
|
|
|
|
Mar-05 |
21.3% |
7.1% |
|
|
| |
|
industriales |
|
1,561 |
1,918 |
11.7% |
10.6% |
-1.1% |
|
|
|
|
|
|
|
Abr-05 |
20.5% |
4.3% |
|
|
| |
|
vivienda |
|
1,443 |
2,138 |
11.8% |
11.1% |
-0.6% |
|
|
|
|
|
|
|
May-05 |
21.8% |
3.2% |
|
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| |
|
tarjeta |
|
2,125 |
2,596 |
34.7% |
31.2% |
-3.5% |
|
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| |
|
otros |
|
992 |
1,142 |
13.1% |
13.5% |
0.4% |
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| |
Por otras operaciones |
184 |
0 |
10.3% |
#¡DIV/0! |
#¡DIV/0! |
|
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| |
Por créditos sin tarjetas de crédito |
11,339 |
14,549 |
14.0% |
13.9% |
-0.1% |
|
|
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|
|
|
|
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|
| GASTOS
FINANCIEROS |
30,731 |
35,382 |
4.6% |
3.5% |
-1.1% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Por obligaciones con el público |
27,572 |
32,025 |
4.4% |
3.2% |
-1.2% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
ahorro + plazo |
|
|
5.4% |
3.9% |
-1.5% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
depósitos de ahorro |
9,665 |
11,899 |
3.1% |
2.4% |
-0.7% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
depósitos a plazo |
11,107 |
12,045 |
7.5% |
5.4% |
-2.1% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
otros |
|
1,991 |
2,835 |
4.0% |
3.0% |
-1.0% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Por oblig. c/insituciones financ. |
3,076 |
3,270 |
6.3% |
6.2% |
-0.1% |
|
|
|
|
|
|
|
|
|
|
|
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| |
|
FNI |
|
1,015 |
1,230 |
7.2% |
6.1% |
-1.1% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Instituciones del exterior |
315 |
344 |
5.8% |
6.3% |
0.5% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Otros |
|
1,746 |
1,696 |
5.9% |
6.2% |
0.3% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Por obligaciones con el BCN |
3 |
2 |
10.4% |
6.0% |
-4.5% |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Por oblig. Subord/convert. en K |
80 |
84 |
8.1% |
8.8% |
0.7% |
|
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| SPREAD
FINANCIERO |
|
|
10.2% |
10.8% |
0.6% |
|
|
|
|
|
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