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| TOTAL SISTEMA |
|
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|
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| Rendimientos y
Costos Financieros |
| (Cifras
expresadas en Millones de Córdobas y en porcentajes) |
|
|
|
|
|
|
|
71 |
83 |
71 |
83 |
|
|
Saldo
Promedio (C$MM) |
Rendimiento / Costo |
Diferencia |
|
Ago-06 |
Ago-07 |
Ago-06 |
Ago-07 |
Ago-07 - Ago-06 |
| INGRESOS FINANCIEROS |
38,316.10 |
43,727.54 |
14.65% |
16.43% |
1.78% |
| Por Disponibilidades |
10,673.79 |
12,796.09 |
0.72% |
1.06% |
0.34% |
| en el exterior |
1,815.07 |
1,875.34 |
3.63% |
4.34% |
0.71% |
| Por Inversiones |
10,818.67 |
8,811.50 |
10.11% |
11.50% |
1.39% |
| valores del estado |
9,203.90 |
9,203.90 |
11.18% |
12.18% |
1.00% |
| depósitos en el exterior |
1,219.38 |
364.84 |
5.27% |
5.76% |
0.49% |
| otros |
395.39 |
299.08 |
0.00% |
0.00% |
0.00% |
| Por créditos |
25,682.35 |
33,040.70 |
16.40% |
17.52% |
1.12% |
| Por créditos (c/saneamientos) |
0.00 |
0.00 |
16.09% |
17.06% |
0.97% |
| personales |
3,575.00 |
4,791.28 |
23.56% |
31.04% |
7.48% |
| comerciales |
7,309.64 |
9,515.48 |
12.31% |
12.76% |
0.45% |
| agrícolas |
2,416.40 |
2,686.75 |
11.03% |
10.35% |
-0.68% |
| ganaderos |
988.30 |
1,560.15 |
11.86% |
13.06% |
1.20% |
| industriales |
2,786.70 |
2,988.84 |
10.60% |
10.77% |
0.17% |
| vivienda |
3,428.86 |
4,568.73 |
11.17% |
10.58% |
-0.59% |
| tarjeta |
3,659.81 |
5,350.92 |
31.58% |
30.07% |
-1.51% |
| otros |
1,517.63 |
1,578.55 |
16.63% |
12.09% |
-4.54% |
| Por otras operaciones |
0.00 |
0.00 |
0.00% |
0.00% |
0.00% |
| |
|
|
|
|
|
| GASTOS FINANCIEROS |
37,516.97 |
42,672.13 |
4.62% |
5.19% |
0.57% |
| Por obligaciones con el público |
31,640.50 |
33,222.02 |
4.08% |
4.41% |
0.33% |
| depósitos de ahorro |
14,069.20 |
15,376.64 |
2.35% |
2.30% |
-0.05% |
| depósitos a plazo |
13,852.53 |
13,564.38 |
6.05% |
7.07% |
1.02% |
| otros |
3,718.77 |
4,281.01 |
3.28% |
3.56% |
0.28% |
| Por oblig. c/insituciones
financ. |
5,790.18 |
9,098.78 |
7.02% |
7.49% |
0.47% |
| FNI |
1,601.61 |
1,892.82 |
6.12% |
6.49% |
0.37% |
| Instituciones del exterior |
845.72 |
1,998.27 |
7.48% |
7.09% |
-0.39% |
| otros |
3,342.85 |
5,207.69 |
7.34% |
8.00% |
0.66% |
| Por obligaciones con el
BCN |
20.33 |
120.76 |
7.01% |
3.08% |
-3.93% |
| Por oblig.
Subord/convert. en K |
65.96 |
230.56 |
11.42% |
10.64% |
-0.78% |
|
|
|
|
|
|
| SPREAD
FINANCIERO |
|
|
10.03% |
11.24% |
1.21% |
|
|
|
|
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|