| SISTEMA: Rendimientos y
Costos Financieros |
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Tasas |
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Saldos Promedio
(C$MM) |
Rendimiento
/ Costo |
Diferencia |
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inversiones |
cartera |
ahorro |
plazo |
spread |
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Oct-04 |
Oct-05 |
Oct-04 |
Oct-05 |
(Oct 05-04) |
|
Oct-04 |
15.4% |
16.9% |
2.7% |
6.3% |
11.3% |
| INGRESOS
FINANCIEROS |
27,052 |
31,950 |
15.1% |
13.6% |
-1.5% |
|
Nov-04 |
15.0% |
16.7% |
2.7% |
6.3% |
11.2% |
| |
Por Disponibilidades |
8,181 |
9,344 |
0.2% |
0.5% |
0.3% |
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Dic-04 |
14.8% |
16.4% |
2.7% |
6.3% |
11.1% |
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en el exterior |
|
1,838 |
1,897 |
1.0% |
2.3% |
1.4% |
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Ene-05 |
10.4% |
16.3% |
2.4% |
5.5% |
10.1% |
| |
Por Inversiones |
10,177 |
10,637 |
14.8% |
10.6% |
-4.2% |
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Feb-05 |
10.3% |
16.0% |
2.3% |
5.2% |
7.8% |
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valores del estado |
9,675 |
9,607 |
15.5% |
11.6% |
-4.0% |
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Mar-05 |
14.0% |
16.6% |
2.5% |
5.8% |
10.9% |
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depósitos en el exterior |
147 |
595 |
1.6% |
3.2% |
1.6% |
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Abr-05 |
13.5% |
16.6% |
2.5% |
5.4% |
10.9% |
| |
|
otros |
|
355 |
435 |
0.0% |
0.0% |
0.0% |
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May-05 |
13.0% |
16.5% |
2.4% |
5.4% |
10.8% |
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Por créditos |
|
14,852 |
19,224 |
17.1% |
16.3% |
-0.8% |
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Jun-05 |
12.0% |
16.5% |
2.4% |
5.6% |
10.4% |
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Por
créditos (c/saneamientos) |
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|
16.7% |
15.9% |
-0.8% |
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Jul-05 |
11.7% |
16.5% |
2.4% |
5.5% |
10.4% |
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|
personales |
|
1,985 |
2,549 |
21.4% |
23.6% |
2.3% |
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Ago-05 |
11.4% |
16.4% |
2.3% |
5.5% |
10.3% |
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comerciales |
|
3,738 |
5,281 |
13.1% |
13.1% |
0.0% |
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Sep-05 |
10.7% |
16.4% |
2.3% |
5.4% |
10.1% |
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agrícolas |
|
2,011 |
2,179 |
11.5% |
11.1% |
-0.4% |
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Oct-05 |
10.6% |
16.3% |
2.3% |
5.4% |
10.1% |
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ganaderos |
|
327 |
519 |
15.4% |
13.5% |
-1.9% |
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industriales |
|
1,686 |
2,104 |
11.3% |
10.7% |
-0.6% |
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vivienda |
|
1,694 |
2,500 |
11.1% |
11.6% |
0.5% |
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tarjeta |
|
2,388 |
2,778 |
34.6% |
30.1% |
-4.6% |
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otros |
|
1,023 |
1,313 |
13.8% |
13.9% |
0.1% |
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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 |
12,463 |
16,446 |
13.8% |
14.0% |
0.3% |
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| GASTOS
FINANCIEROS |
32,451 |
37,549 |
4.0% |
3.5% |
-0.6% |
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Por obligaciones con el público |
29,287 |
33,750 |
3.8% |
3.1% |
-0.7% |
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|
ahorro + plazo |
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4.7% |
3.9% |
-0.8% |
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depósitos de ahorro |
10,631 |
12,637 |
2.8% |
2.3% |
-0.4% |
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depósitos a plazo |
11,531 |
12,228 |
6.4% |
5.4% |
-1.0% |
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otros |
|
2,292 |
3,095 |
3.3% |
3.1% |
-0.2% |
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Por oblig. c/insituciones financ. |
3,080 |
3,709 |
6.1% |
6.4% |
0.3% |
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FNI |
|
1,095 |
1,348 |
6.7% |
5.8% |
-0.9% |
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Instituciones del exterior |
335 |
381 |
6.0% |
6.3% |
0.4% |
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Otros |
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1,650 |
1,980 |
5.7% |
6.8% |
1.1% |
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Por obligaciones con el BCN |
2 |
6 |
11.8% |
5.9% |
-5.8% |
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Por oblig. Subord/convert. en K |
82 |
83 |
8.1% |
9.4% |
1.3% |
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| SPREAD
FINANCIERO |
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11.1% |
10.1% |
-1.0% |
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