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| TOTAL SISTEMA |
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| Rendimientos y
Costos Financieros |
| (Cifras
expresadas en Millones de Córdobas y en porcentajes) |
|
|
|
|
|
|
|
72 |
84 |
72 |
84 |
|
|
Saldo
Promedio (C$MM) |
Rendimiento / Costo |
Diferencia |
|
Sep-06 |
Sep-07 |
Sep-06 |
Sep-07 |
Sep-07 - Sep-06 |
| INGRESOS FINANCIEROS |
38,581.15 |
44,039.77 |
14.69% |
16.47% |
1.78% |
| Por Disponibilidades |
10,828.31 |
12,836.83 |
0.77% |
1.04% |
0.27% |
| en el exterior |
1,845.64 |
1,851.29 |
3.66% |
4.29% |
0.63% |
| Por Inversiones |
10,747.82 |
8,784.44 |
10.12% |
11.47% |
1.35% |
| valores del estado |
9,130.40 |
9,130.40 |
11.23% |
12.13% |
0.90% |
| depósitos en el exterior |
1,224.85 |
341.46 |
5.09% |
5.70% |
0.61% |
| otros |
392.57 |
300.57 |
0.00% |
0.00% |
0.00% |
| Por créditos |
25,987.69 |
33,404.04 |
16.40% |
17.56% |
1.16% |
| Por créditos (c/saneamientos) |
0.00 |
0.00 |
16.05% |
17.09% |
1.04% |
| personales |
3,639.32 |
4,850.70 |
24.14% |
30.99% |
6.85% |
| comerciales |
7,367.78 |
9,586.47 |
12.24% |
12.78% |
0.54% |
| agrícolas |
2,433.32 |
2,715.45 |
10.88% |
10.33% |
-0.55% |
| ganaderos |
1,017.24 |
1,591.27 |
11.70% |
12.79% |
1.09% |
| industriales |
2,812.66 |
3,000.14 |
10.51% |
10.90% |
0.39% |
| vivienda |
3,475.94 |
4,620.89 |
11.06% |
10.58% |
-0.48% |
| tarjeta |
3,718.00 |
5,447.26 |
31.51% |
30.19% |
-1.32% |
| otros |
1,523.42 |
1,591.87 |
16.08% |
12.05% |
-4.03% |
| Por otras operaciones |
0.00 |
0.00 |
0.00% |
0.00% |
0.00% |
| |
|
|
|
|
|
| GASTOS FINANCIEROS |
37,839.58 |
42,908.99 |
4.63% |
5.21% |
0.58% |
| Por obligaciones con el público |
31,749.62 |
33,378.22 |
4.08% |
4.43% |
0.35% |
| depósitos de ahorro |
14,121.86 |
15,433.37 |
2.34% |
2.29% |
-0.05% |
| depósitos a plazo |
13,910.19 |
13,670.80 |
6.06% |
7.12% |
1.06% |
| otros |
3,717.57 |
4,274.05 |
3.28% |
3.55% |
0.27% |
| Por oblig. c/insituciones
financ. |
5,998.50 |
9,152.83 |
6.97% |
7.49% |
0.52% |
| FNI |
1,617.79 |
1,901.38 |
6.12% |
6.48% |
0.36% |
| Instituciones del exterior |
925.59 |
2,036.64 |
7.18% |
6.92% |
-0.26% |
| otros |
3,455.12 |
5,214.81 |
7.32% |
8.09% |
0.77% |
| Por obligaciones con el BCN |
20.77 |
141.74 |
6.74% |
2.86% |
-3.88% |
| Por oblig. Subord/convert.
en K |
70.69 |
236.21 |
11.09% |
10.53% |
-0.56% |
|
|
|
|
|
|
| SPREAD
FINANCIERO |
|
|
10.06% |
11.26% |
1.20% |
|
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