|
|
|
|
|
|
| TOTAL SISTEMA |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Rendimientos y
Costos Financieros |
| (Cifras
expresadas en Millones de Córdobas y en porcentajes) |
|
|
|
|
|
|
|
75 |
87 |
75 |
87 |
|
|
Saldo
Promedio (C$MM) |
Rendimiento / Costo |
Diferencia |
|
Dic-06 |
Dic-07 |
Dic-06 |
Dic-07 |
Dic-07 - Dic-06 |
| INGRESOS FINANCIEROS |
39,072.13 |
45,258.89 |
14.94% |
16.66% |
1.72% |
| Por Disponibilidades |
11,170.92 |
12,783.18 |
0.85% |
0.96% |
0.11% |
| en el exterior |
1,876.26 |
1,846.78 |
3.92% |
4.28% |
0.36% |
| Por Inversiones |
10,236.35 |
8,648.78 |
10.41% |
11.71% |
1.30% |
| valores del estado |
8,872.67 |
8,872.67 |
11.42% |
12.35% |
0.93% |
| depósitos en el exterior |
1,009.86 |
281.10 |
5.15% |
5.54% |
0.39% |
| otros |
353.81 |
293.30 |
0.00% |
0.00% |
0.00% |
| Por créditos |
26,959.53 |
34,763.32 |
16.44% |
17.66% |
1.22% |
| Por créditos (c/saneamientos) |
0.00 |
0.00 |
16.08% |
17.17% |
1.09% |
| personales |
3,802.87 |
5,038.52 |
25.76% |
20.87% |
-4.89% |
| comerciales |
7,630.60 |
9,911.75 |
12.11% |
14.96% |
2.85% |
| agrícolas |
2,525.37 |
2,859.01 |
10.68% |
11.88% |
1.20% |
| ganaderos |
1,091.41 |
1,686.33 |
11.43% |
16.69% |
5.26% |
| industriales |
2,870.56 |
3,094.35 |
10.40% |
11.57% |
1.17% |
| vivienda |
3,619.56 |
4,785.31 |
10.92% |
11.27% |
0.35% |
| tarjeta |
3,904.71 |
5,710.11 |
30.99% |
30.45% |
-0.54% |
| otros |
1,514.45 |
1,677.94 |
15.18% |
20.83% |
5.65% |
| Por otras operaciones |
0.00 |
0.00 |
0.00% |
0.00% |
0.00% |
| |
|
|
|
|
|
| GASTOS FINANCIEROS |
38,426.46 |
43,718.07 |
4.76% |
5.29% |
0.53% |
| Por obligaciones con el público |
31,744.92 |
33,878.29 |
4.13% |
4.50% |
0.37% |
| depósitos de ahorro |
14,167.72 |
15,899.77 |
2.36% |
2.30% |
-0.06% |
| depósitos a plazo |
13,874.75 |
13,888.63 |
6.16% |
7.25% |
1.09% |
| otros |
3,702.44 |
4,089.89 |
3.32% |
3.68% |
0.36% |
| Por oblig. c/insituciones
financ. |
6,575.00 |
9,386.97 |
7.14% |
7.54% |
0.40% |
| FNI |
1,665.89 |
1,933.00 |
6.32% |
6.56% |
0.24% |
| Instituciones del exterior |
1,122.28 |
2,167.50 |
7.28% |
6.82% |
-0.46% |
| otros |
3,786.83 |
5,286.47 |
7.47% |
8.19% |
0.72% |
| Por obligaciones con el
BCN |
19.57 |
188.34 |
6.95% |
3.32% |
-3.63% |
| Por oblig.
Subord/convert. en K |
86.97 |
264.46 |
10.64% |
9.96% |
-0.68% |
|
|
|
|
|
|
| SPREAD
FINANCIERO |
|
|
10.18% |
11.37% |
1.19% |
|
|
|
|
|
|