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| 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 |
| |
|
|
|
Mar-05 |
Mar-06 |
Mar-05 |
Mar-06 |
(Mar. 06-05) |
|
Mar-05 |
14.0% |
16.6% |
2.5% |
5.8% |
10.9% |
| INGRESOS
FINANCIEROS |
29,005 |
34,521 |
14.6% |
13.8% |
-0.8% |
|
Abr-05 |
13.5% |
16.6% |
2.5% |
5.4% |
10.9% |
| |
Por Disponibilidades |
8,842 |
9,561 |
0.3% |
0.6% |
0.2% |
|
May-05 |
13.0% |
16.5% |
2.4% |
5.4% |
10.8% |
| |
|
en el exterior |
|
2,041 |
1,757 |
1.4% |
2.9% |
1.5% |
|
Jun-05 |
12.0% |
16.5% |
2.4% |
5.6% |
10.4% |
| |
Por Inversiones |
10,338 |
10,872 |
14.0% |
10.6% |
-3.4% |
|
Jul-05 |
11.7% |
16.5% |
2.4% |
5.5% |
10.4% |
| |
|
valores del estado |
9,768 |
9,509 |
14.7% |
11.7% |
-3.0% |
|
Ago-05 |
11.4% |
16.4% |
2.3% |
5.5% |
10.3% |
| |
|
depósitos en el exterior |
234 |
873 |
1.7% |
3.9% |
2.3% |
|
Sep-05 |
10.7% |
16.4% |
2.3% |
5.4% |
10.1% |
| |
|
otros |
|
336 |
490 |
0.0% |
0.0% |
0.0% |
|
Oct-05 |
10.6% |
16.3% |
2.3% |
5.4% |
10.1% |
| |
Por créditos |
|
16,448 |
21,676 |
16.6% |
16.3% |
-0.3% |
|
Nov-05 |
10.7% |
16.3% |
2.3% |
5.4% |
10.2% |
| |
Por
créditos (c/saneamientos) |
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|
|
|
16.3% |
15.9% |
-0.3% |
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Dic-05 |
10.7% |
16.2% |
2.3% |
5.4% |
10.2% |
| |
|
personales |
|
2,169 |
2,935 |
24.8% |
19.9% |
-4.9% |
|
Ene-06 |
10.7% |
16.3% |
2.3% |
5.5% |
10.2% |
| |
|
comerciales |
|
4,368 |
6,044 |
12.7% |
13.3% |
0.6% |
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Feb-06 |
10.7% |
16.3% |
2.3% |
5.5% |
10.3% |
| |
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agrícolas |
|
2,053 |
2,312 |
11.0% |
11.6% |
0.5% |
|
Mar-06 |
10.6% |
16.3% |
2.3% |
5.6% |
10.2% |
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ganaderos |
|
390 |
668 |
14.6% |
13.1% |
-1.4% |
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industriales |
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1,834 |
2,346 |
10.7% |
10.6% |
-0.1% |
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vivienda |
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2,003 |
2,872 |
10.9% |
11.7% |
0.8% |
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tarjeta |
|
2,530 |
3,079 |
31.5% |
32.0% |
0.4% |
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|
otros |
|
1,099 |
1,420 |
13.5% |
15.5% |
2.0% |
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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 |
13,917 |
18,597 |
13.9% |
13.7% |
-0.2% |
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| GASTOS
FINANCIEROS |
34,487 |
40,103 |
3.7% |
3.6% |
-0.1% |
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Por obligaciones con el público |
31,230 |
35,577 |
3.4% |
3.2% |
-0.2% |
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|
ahorro + plazo |
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4.2% |
3.9% |
-0.2% |
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depósitos de ahorro |
11,535 |
13,189 |
2.5% |
2.3% |
-0.2% |
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depósitos a plazo |
11,943 |
12,658 |
5.8% |
5.6% |
-0.2% |
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otros |
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2,733 |
3,422 |
2.9% |
3.1% |
0.2% |
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Por oblig. c/insituciones financ. |
3,171 |
4,436 |
6.1% |
6.7% |
0.6% |
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FNI |
|
1,191 |
1,441 |
6.3% |
5.9% |
-0.4% |
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Instituciones del exterior |
333 |
543 |
6.1% |
7.1% |
1.0% |
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Otros |
|
1,647 |
2,453 |
6.1% |
7.1% |
1.0% |
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Por obligaciones con el BCN |
1 |
12 |
10.9% |
6.1% |
-4.8% |
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Por oblig. Subord/convert. en K |
84 |
78 |
8.4% |
10.3% |
2.0% |
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| SPREAD
FINANCIERO |
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10.9% |
10.2% |
-0.7% |
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