Professional Documents
Culture Documents
CIERA DE COLOMBIA
DE CRDITOS DE LOS
DE CRDITO
DE 2012
n y Desarrollo
s e Informacin
ESTABLECIMIENTOS DE CRDITO
COMPORTAMIENTO DE LA CARTERA DE CRDITO POR TIPO DE INTERMEDIARIO (INCLUYE LEASING)
Tipo de Intermediario
CARTERA Y
LEASING
BRUTO
CARTERA Y
LEASING
VENCIDO
PROVISION
VARIACIN
ANUAL C BRUTA
VARIACIN
ANUAL C
VENCIDA
dic-12
INDICADOR DE CALIDAD
TRADICIONAL (1)
dic-11
dic-12
INDICADOR DE
CUBRIMIENTO
TRADICIONAL (2)
dic-11
dic-12
INDICADOR DE CALIDAD
POR MOROSIDAD (3)
dic-11
4,337,980
7,063,930
8.0%
17.9%
2.4%
2.6%
181.0%
162.8%
2.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
4,323,201
273,892
414,880
4.8%
65.0%
4.0%
6.3%
251.3%
151.5%
4.0%
8,408,024
166,334
313,719
9.9%
8.7%
2.0%
2.0%
205.7%
188.6%
BANCOS
CORPORACIONES FINANCIERAS
8.0%
19.5%
2.4%
2.6%
184.9%
163.1%
2.0%
180,474,242
4,778,206
7,792,530
2.7%
55,203,135
1,538,194
2,492,739
48.0%
91.6%
2.2%
2.8%
185.8%
162.1%
2.5%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1,473,609
53,136
61,437
14.1%
2.3%
4.0%
3.6%
115.1%
115.6%
4.0%
1,114
238
134
-54.0%
0.0%
21.4%
0.0%
56.2%
56,677,857
1,591,568
2,554,309
46.9%
86.2%
2.2%
2.8%
181.5%
160.5%
0.0%
2.6%
SECTOR COOPERATIVO
ORGANISMOS COOPERATIVOS DE GRADO SUPERIOR
COOPERATIVAS FINANCIERAS
Total Sector Solidario
452,278
3,227
9,993
25.4%
0.0%
0.9%
0.7%
269.3%
309.6%
2,062,387
87,067
142,504
18.5%
19.7%
4.2%
4.2%
158.4%
163.7%
2,514,664
90,294
152,497
19.7%
18.9%
3.6%
3.6%
163.1%
168.9%
0.9%
4.2%
3.6%
8,064,051
566,811
910,901
12.9%
27.2%
6.2%
7.0%
182.1%
160.7%
362,049
17,926
18,595
8.3%
18.1%
4.5%
5.0%
107.7%
103.7%
8,426,099
584,737
929,496
12.7%
248,092,863
7,044,805
11,428,831
15.2%
6.3%
4.5%
26.9%
6.2%
6.9%
179.6%
159.0%
6.2%
30.7%
2.5%
2.8%
183.6%
162.2%
2.8%
TOTALES
TOTAL CARTERA DE CREDITOS (INCLUYE LEASING)
(1) Indicador de Calidad Tradicional = Cartera y Lesing Vencido / Cartera y Leasing Bruto.
La cartera vencida de vivienda en el plazo de 1 a 4 meses slo incluye las cuotas vencidas. El capital no incluido en la cuotas de 1 a 4 meses se considera vigente.
(2) Indicador de Cubrimiento Tradicional= Provisiones cartera y leasing / Cartera Vencida. Incluye provisiones generales.
(3) Indicador de calidad de cartera por morosidad = Saldos de Cartera en Mora / Cartera y Leasing Bruto.
La totalidad del capital de los crditos de vivienda vencidos entre 1 y 4 meses se considera en mora.
(4) Indicador de Cubrimiento por Morosidad = Provisiones cartera y leasing / Saldos de Cartera en Mora. Incluye provisiones generales.
La totalidad del capital de los crditos de vivienda vencidos entre 1 y 4 meses se considera en mora.
A partir de abril de 2010, entraron en vigencia las modificaciones incorporadas por la Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del componente contracclico.
TABLECIMIENTOS DE CRDITO
A DE CRDITO POR TIPO DE INTERMEDIARIO (INCLUYE LEASING)
Millones de $ y Porcentajes
INDICADOR DE CALIDAD
POR MOROSIDAD (3)
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
dic-12
158.4%
0.0%
0.0%
0.0%
6.3%
250.7%
151.3%
2.0%
3.0%
205.7%
163.4%
144.3%
188.6%
146.1%
158.8%
0.0%
0.0%
0.0%
3.6%
115.1%
115.6%
21.4%
3.2%
0.0%
156.5%
139.4%
56.2%
138.7%
SECTOR COOPERATIVO
0.7%
269.5%
4.3%
157.4%
3.6%
162.1%
309.6%
161.9%
167.1%
181.1%
5.0%
107.7%
160.1%
103.7%
7.0%
178.7%
158.4%
3.2%
163.4%
145.5%
TOTALES
ESTABLECIMIENTOS DE CRDITO
CALIFICACIN DE RIESGO DE CARTERA (INCLUYE LEASING)
Millones de $ y Porcentajes
ENTIDADES
TOTAL
dic-12
Indicador de Calidad
por Calificacin (3)
3.0%
4.6%
4.5%
6.6%
9.5%
14.5%
15.8%
36.3%
63.1%
62.8%
66.5%
86.3%
96.9%
95.2%
96.1%
91.3%
5.9%
6.6%
2.6%
8.5%
4.9%
3.6%
3.8%
8.4%
4.7%
14.3%
5.6%
3.7%
6.0%
23.2%
6.0%
8.3%
7.1%
3.5%
11.2%
15.8%
9.0%
18.8%
10.3%
9.9%
11.8%
12.8%
12.8%
23.8%
9.3%
9.7%
18.3%
36.3%
12.0%
26.5%
11.1%
10.9%
78.2%
75.0%
65.1%
80.9%
57.4%
54.0%
66.0%
85.4%
74.7%
85.5%
71.5%
46.8%
45.7%
44.9%
64.9%
100.0%
80.2%
100.0%
96.9%
98.2%
99.9%
71.8%
100.0%
88.7%
90.8%
95.8%
70.4%
93.1%
78.8%
59.4%
73.1%
89.6%
86.1%
100.0%
100.0%
6.4%
4.0%
4.3%
5.6%
0.0%
5.4%
8.9%
3.7%
5.1%
5.8%
6.6%
5.9%
7.0%
10.7%
16.5%
5.4%
8.1%
7.0%
10.8%
8.9%
6.9%
8.5%
7.3%
6.4%
19.7%
75.3%
90.9%
6.5%
BANCOS
BANCO DE BOGOTA
BANCO POPULAR
BANCO CORPBANCA
BANCOLOMBIA
SCOTIA BANK COLOMBIA
CITIBANK
HSBC
GNB SUDAMERIS
BBVA
HELM BANK
OCCIDENTE
BCSC
DAVIVIENDA
RED MULTIBANCA COLPATRIA
BANAGRARIO
BANCO AV VILLAS
PROCREDIT
BANCAMIA
WWB S.A.
BANCOOMEVA
BANCO FINANDINA
BANCO FALABELLA S.A.
BANCO PICHINCHA S.A.
31,253,465
11,679,057
6,741,685
53,226,556
52,887
5,719,895
1,147,646
5,138,507
21,165,647
8,689,361
16,782,921
6,662,092
28,731,217
12,523,483
8,064,051
5,855,196
209,057
926,921
630,243
2,132,456
1,173,533
1,053,592
1,450,736
29,245,761
11,211,936
6,452,594
50,251,579
52,887
5,411,690
1,045,411
4,948,547
20,083,788
8,188,564
15,681,615
6,271,274
26,716,091
11,178,957
6,731,066
5,539,386
192,227
862,096
562,134
1,941,998
1,092,694
964,282
1,344,884
1,024,189
130,687
142,518
1,007,446
0
87,883
19,613
78,934
590,984
189,377
494,077
128,832
1,008,217
594,619
478,932
136,083
8,181
17,033
28,559
80,429
54,282
24,583
56,271
TOTAL BANCOS
231,010,202
215,971,461
6,381,729
476,262
120,915
51,604
871,922
0
57,464
17,210
28,191
182,341
79,049
204,656
50,606
308,783
328,258
169,144
50,622
3,057
24,504
10,344
33,315
23,036
17,576
18,840
3,127,698
315,474
162,497
43,696
673,306
0
71,205
31,642
67,646
160,918
165,537
284,795
69,001
450,262
356,714
429,278
84,061
2,323
7,607
5,405
48,456
3,521
34,082
12,456
3,479,881
191,779
53,022
51,274
422,303
0
91,653
33,770
15,190
147,616
66,835
117,778
142,379
247,865
64,934
255,631
45,043
3,268
15,681
23,800
28,258
0
13,069
18,285
2,049,433
CORPORACIONES FINANCIERAS
CORFICOLOMBIANA (5)
B INV BANCOLOMBIA (5)
JP MORGAN (5)
BNP PARIBAS COLOMBIA (5)
ITA BBA COLOMBIA (5)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
TOTAL CFIs
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
COOPERATIVAS FINANCIERAS
COOP FINAN DE ANTIOQUIA
COOP FINAN KENNEDY
COOP FINAN COOFINEP
COOP FINAN COTRAFA
COOP FINAN CONFIAR
COOP FINAN JURISCOOP
TOTAL COOP. FINANCIERAS
188,028
511,655
119,707
297,411
477,051
468,534
2,062,387
179,434
483,429
114,677
280,756
435,964
435,235
1,929,495
2,340
9,399
1,830
4,502
19,989
6,864
44,926
1,472
4,324
636
3,265
5,458
7,079
22,233
3,832
5,051
966
5,818
11,155
8,587
951
9,451
1,598
3,070
4,486
10,768
5.4%
6.7%
4.3%
5.4%
5.9%
4.4%
9.6%
13.0%
10.3%
10.9%
11.7%
6.5%
48.2%
81.6%
62.0%
65.7%
59.1%
60.7%
68.0%
100.0%
89.1%
99.4%
97.8%
79.1%
4.6%
5.5%
4.2%
5.6%
8.6%
7.1%
35,409
30,324
5.7%
10.0%
62.7%
90.6%
6.4%
452,278
438,898
8,551
2,792
983
1,055
4.3%
10.9%
44.3%
80.0%
3.0%
452,278
438,898
8,551
2,792
983
1,055
4.3%
10.9%
44.3%
80.0%
3.0%
(1) Corresponde a las categorias A, B, C, D y E, en las cuales son calificadas y clasificadas las operaciones de crdito.
(2) Cubrimiento por Calificacin = Provisiones por categora / Saldo por categoria. Las provisiones solo incluyen el componente individual procclico.
(3) Indicador de Calidad por Calificacin = Cartera calificada B, C, D y E / Cartera y Leasing Bruto
(4) Indicador de Cubrimiento por Calificacin = Provisiones cartera y leasing / Cartera calificada B, C, D y E. Incluye provisiones generales.
(5) No reporta saldos de cartera.
A partir de abril de 2010, entraron en vigencia las modificaciones incorporadas por la Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del
componente contracclico.
ESTABLECIMIENTOS DE CRDITO
CALIFICACIN DE RIESGO DE CARTERA (INCLUYE LEASING)
Millones de $ y Porcentajes
ENTIDADES
TOTAL
dic-12
Indicador de Calidad
por Calificacin (3)
3.9%
4.0%
6.0%
4.6%
36.6%
7.7%
2.9%
6.4%
4.2%
2.4%
7.2%
6.0%
19.4%
3.9%
16.7%
13.7%
36.9%
10.1%
63.1%
17.3%
8.9%
22.8%
10.9%
6.9%
16.0%
17.7%
44.1%
10.8%
57.5%
52.4%
68.8%
59.6%
90.3%
85.7%
56.4%
63.9%
57.7%
51.7%
48.6%
78.9%
71.5%
56.4%
45.0%
7.2%
3.2%
18.4%
10.9%
81.6%
45.6%
90.0%
100.0%
11.7%
0.2%
0.5%
10.3%
25.3%
75.9%
93.8%
7.8%
31.5%
100.0%
56.3%
100.0%
100.0%
100.0%
66.1%
100.0%
0.0%
0.1%
48.0%
0.0%
100.0%
100.0%
COMPAIAS DE FINANCIAMIENTO
FINAMERICA
530,399
GIROS Y FINANZAS
209,555
FACTORING BANCOLOMBIA
692,671
SERFINANSA
631,991
COMPAA DE FINANCIAMIENTO TUYA 1,367,127
GMAC
854,347
INTERNACIONAL
261,186
MACROFINANCIERA
316,696
COLTEFINANCIERA
540,922
CORFICOLOMBIANA LEASING
775,257
LEASING BOLIVAR
703,383
LEASING BANCOLOMBIA
6,929,385
LEASING BANCOLDEX
362,049
DANN REGIONAL
326,809
C.A. CREDIFINANCIERA
1,114
FINANCIERA CAMBIAMOS (5)
0
MI PLATA S.A. (5)
0
PAGOS INTERNACIONALES (5)
0
LA POLAR
29,807
CREDIFAMILIA
23,728
OPPORTUNITY INTERNATIONAL COLOMBIA11,574
(5)
481,889
194,676
668,277
546,405
1,131,786
804,966
236,769
306,058
491,599
739,099
585,071
6,568,091
332,073
282,256
876
0
0
0
26,318
23,683
11,519
8,326
6,640
2,797
31,498
61,705
19,497
14,119
2,828
14,125
18,672
96,137
140,678
13,935
24,856
0
0
0
0
1,077
45
19
6,048
3,327
5,857
36,970
50,941
17,566
3,231
2,854
10,385
10,768
2,085
96,302
5,527
8,921
0
0
0
0
1,041
0
16
8,672
4,790
4,809
15,523
89,083
12,312
5,164
2,695
10,459
2,446
15,409
60,759
9,326
8,900
238
0
0
0
1,370
0
17
25,464
120
10,932
1,595
33,612
6
1,902
2,261
14,353
4,271
4,681
63,554
1,188
1,877
0
0
0
0
0
0
3
TOTAL CFs
13,431,410
456,954
261,843
251,971
165,818
14,567,996
92.6%
68.3%
97.6%
80.6%
100.0%
100.0%
91.2%
100.0%
99.2%
99.1%
81.3%
89.7%
100.0%
100.0%
9.1%
7.1%
3.5%
13.5%
17.2%
5.8%
9.3%
3.4%
9.1%
4.7%
16.8%
5.2%
8.3%
13.6%
21.4%
4,799,836
5,631,373
165,322
6,299,311
0
764
0
3,841,510
0
138,918
652
4,799,426
5,627,017
85,901
6,298,823
0
0
0
3,451,678
0
0
42
25
300
66,198
0
0
0
0
184,548
0
0
6
0
271
70
0
0
0
0
113,962
0
0
11
0
16
4
0
0
0
0
44,284
0
0
42
385
3,767
13,149
488
0
764
0
47,037
0
138,918
552
TOTAL IOEs
20,877,685
20,262,888
251,078
114,314
44,346
205,059
3.2%
20.9%
84.0%
3.2%
10.1%
20.3%
34.4%
10.1%
3.3%
20.1%
22.9%
100.0%
96.9%
100.0%
93.6%
24.5%
10.2%
20.3%
82.8%
2.9%
(1) Corresponde a las categorias A, B, C, D y E, en las cuales son calificadas y clasificadas las operaciones de crdito.
(2) Cubrimiento por Calificacin = Provisiones por categora / Saldo por categoria. Las provisiones solo incluyen el componente individual procclico.
(3) Indicador de Calidad por Calificacin = Cartera calificada B, C, D y E / Cartera y Leasing Bruto
(4) Indicador de Cubrimiento por Calificacin = Provisiones cartera y leasing / Cartera calificada B, C, D y E. Incluye provisiones generales.
(5) No reporta saldos de cartera.
A partir de abril de 2010, entraron en vigencia las modificaciones incorporadas por la Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del
componente contracclico.
ESTABLECIMIENTOS DE CRDITO
CIN DE RIESGO DE CARTERA (INCLUYE LEASING)
Millones de $ y Porcentajes
Indicador de
Cubrimiento por
Calificacin (4)
BANCOS
50.1%
91.9%
78.2%
80.5%
102.5%
84.7%
87.4%
74.3%
67.2%
55.3%
85.4%
70.0%
54.7%
68.3%
79.5%
52.3%
69.8%
85.4%
63.6%
82.6%
86.2%
68.6%
69.6%
CORPORACIONES FINANCIERAS
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
COOPERATIVAS FINANCIERAS
94.7%
202.1%
108.8%
121.1%
59.2%
82.2%
107.2%
Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del
10
ESTABLECIMIENTOS DE CRDITO
CIN DE RIESGO DE CARTERA (INCLUYE LEASING)
Millones de $ y Porcentajes
Indicador de
Cubrimiento por
Calificacin (4)
COMPAIAS DE FINANCIAMIENTO
90.1%
63.3%
120.5%
37.7%
105.0%
65.7%
45.6%
142.1%
76.9%
58.9%
30.7%
70.9%
62.0%
32.8%
56.2%
66.5%
1056.8%
751.1%
71.2%
Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del
11
12
-30%
CARTERA TOTAL
CARTERA CONSUMO
50%
Vigente
-50%
dic-06
feb-07
abr-07
jun-07
ago-07
oct-07
dic-07
feb-08
abr-08
jun-08
ago-08
oct-08
dic-08
feb-09
abr-09
jun-09
ago-09
oct-09
dic-09
feb-10
abr-10
jun-10
ago-10
oct-10
dic-10
feb-11
abr-11
jun-11
ago-11
oct-11
dic-11
feb-12
abr-12
jun-12
ago-12
oct-12
dic-12
80%
Cartera Bruta
Vigente
100%
Cartera Vencida
80%
60%
40%
-20%
-40%
-20%
-60%
-40%
90%
%
40%
70%
20%
-10%
Cartera Bruta
-60%
Cartera Vencida
dic-06
feb-07
abr-07
jun-07
ago-07
oct-07
dic-07
feb-08
abr-08
jun-08
ago-08
oct-08
dic-08
feb-09
abr-09
jun-09
ago-09
oct-09
dic-09
feb-10
abr-10
jun-10
ago-10
oct-10
dic-10
feb-11
abr-11
jun-11
ago-11
oct-11
dic-11
feb-12
abr-12
jun-12
ago-12
oct-12
dic-12
dic-06
feb-07
abr-07
jun-07
ago-07
oct-07
dic-07
feb-08
abr-08
jun-08
ago-08
oct-08
dic-08
feb-09
abr-09
jun-09
ago-09
oct-09
dic-09
feb-10
abr-10
jun-10
ago-10
oct-10
dic-10
feb-11
abr-11
jun-11
ago-11
oct-11
dic-11
feb-12
abr-12
jun-12
ago-12
oct-12
dic-12
100%
dic-06
feb-07
abr-07
jun-07
ago-07
oct-07
dic-07
feb-08
abr-08
jun-08
ago-08
oct-08
dic-08
feb-09
abr-09
jun-09
ago-09
oct-09
dic-09
feb-10
abr-10
jun-10
ago-10
oct-10
dic-10
feb-11
abr-11
jun-11
ago-11
oct-11
dic-11
feb-12
abr-12
jun-12
ago-12
oct-12
dic-12
ESTABLECIMIENTOS DE CRDITO
%
Cartera Bruta
CARTERA COMERCIAL
Vigente
Cartera Vencida
60%
20%
40%
0%
20%
0%
CARTERA VIVIENDA
30%
0%
10%
-20%
-40%
Cartera Bruta
Vigente
Cartera Vencida
-80%
dic-08
70%
50%
30%
10%
10%
-10%
-10%
Cartera Bruta
-50%
Cartera Vencida
ago-12
jun-12
abr-12
feb-12
dic-11
oct-11
ago-11
jun-11
abr-11
feb-11
dic-10
oct-10
ago-10
dic-12
CARTERA VIVIENDA
oct-12
90%
dic-12
%
%
oct-12
ago-12
jun-12
-30%
abr-12
Cartera Bruta
feb-12
dic-11
oct-11
ago-11
jun-11
abr-11
feb-11
dic-10
oct-10
CARTERA CONSUMO
jun-10
abr-10
feb-10
dic-09
oct-09
100%
ago-10
jun-09
jun-10
abr-10
feb-10
Cartera Vencida
dic-09
30%
oct-09
50%
ago-09
-60%
-20%
ago-09
-20%
abr-09
60%
jun-09
40%
abr-09
80%
60%
feb-09
Cartera Vencida
dic-08
dic-12
oct-12
80%
feb-09
jun-12
ago-12
CARTERA TOTAL
dic-08
dic-12
oct-12
ago-12
-50%
abr-12
feb-12
dic-11
oct-11
Cartera Bruta
jun-12
-30%
abr-12
feb-12
dic-11
ago-11
jun-11
abr-11
feb-11
dic-10
oct-10
ago-10
jun-10
abr-10
feb-10
dic-09
oct-09
ago-09
jun-09
abr-09
-40%
oct-11
ago-11
jun-11
abr-11
feb-11
dic-10
oct-10
ago-10
dic-08
feb-09
100%
jun-10
abr-10
feb-10
dic-09
oct-09
ago-09
jun-09
abr-09
feb-09
ESTABLECIMIENTOS DE CRDITO
CARTERA COMERCIAL
20%
40%
0%
20%
0%
Cartera Bruta
-40%
Cartera Vencida
Tradicional (1)
Morosidad (2)
25%
Calificacin (3)
20%
15%
10%
5%
0%
dic-03
dic-04
dic-05
dic-06
dic-07
dic-08
dic-09
dic-10
dic-11
ARTERA
dic-10
dic-11
Bruto
asing Bruto
y Leasing Bruto
dic-12
Tradicional (1)
Morosidad (2)
0%
dic-03
dic-04
dic-05
dic-06
dic-07
dic-08
dic-09
dic-10
TO DE CARTERA
c-09
Morosidad (2)
dic-10
Calificacin (3)
dic-11
dic-12
ye provisiones generales.
ra en mora .Incluye provisionesgenerales.
da B, C, D Y E. Incluye provisiones generales.
ESTABLECIMIENTOS DE CRDITO
SALDOS DE CARTERA (INCLUYENDO LEASING) E INDICADORES DE CALIDAD Y CUBRIMIENTO
Cifras en Miles de Millones de $ y Porcentajes
TOTAL CONSOLIDADO
MES
Cartera y
Leasing
Bruto
Cartera y
Leasing
Vigente
Cartera y
Leasing
Vencido
Var Anual C
Bruta %
Var Anual C
Vencida %
Jan-09
147,114
140,513
6,601
17.2%
47.4%
Feb-09
147,516
140,683
6,833
16.1%
45.4%
Mar-09
147,272
140,391
6,881
14.4%
33.6%
Apr-09
147,320
140,230
7,091
13.3%
36.9%
May-09
149,401
142,195
7,205
13.6%
31.4%
Jun-09
149,877
142,819
7,057
11.3%
31.2%
Jul-09
149,677
142,789
6,888
9.7%
26.0%
Aug-09
147,990
140,867
7,123
6.9%
21.2%
Sep-09
148,052
141,237
6,815
4.5%
15.1%
Oct-09
148,859
141,967
6,892
2.2%
13.9%
Nov-09
149,689
142,653
7,036
1.3%
7.4%
Dec-09
150,574
144,296
6,278
2.3%
3.3%
Jan-10
150,475
143,830
6,645
2.3%
0.7%
Feb-10
151,583
144,744
6,839
2.8%
0.1%
Mar-10
152,399
145,604
6,795
3.5%
-1.3%
Apr-10
153,300
146,425
6,876
4.1%
-3.0%
May-10
155,431
148,775
6,656
4.0%
-7.6%
Jun-10
158,077
151,794
6,283
5.5%
-11.0%
Jul-10
159,369
152,990
6,379
6.5%
-7.4%
Aug-10
161,961
155,753
6,208
9.4%
-12.8%
Sep-10
165,916
160,124
5,792
12.1%
-15.0%
Oct-10
168,753
162,911
5,841
13.4%
-15.2%
Nov-10
174,300
168,558
5,743
16.4%
-18.4%
Dec-10
175,904
170,840
5,064
16.8%
-19.3%
Jan-11
176,345
170,917
5,427
17.2%
-18.3%
Feb-11
180,381
174,755
5,626
19.0%
-17.7%
Mar-11
183,583
177,956
5,627
20.5%
-17.2%
Apr-11
186,595
180,853
5,742
21.7%
-16.5%
May-11
191,154
185,637
5,517
23.0%
-17.1%
Jun-11
194,073
188,640
5,433
22.8%
-13.5%
Jul-11
197,018
191,296
5,722
23.6%
-10.3%
Aug-11
200,492
194,802
5,691
23.8%
-8.3%
Sep-11
204,727
198,927
5,800
23.4%
0.1%
Oct-11
207,201
201,151
6,050
22.8%
3.6%
Nov-11
213,032
207,055
5,977
22.2%
4.1%
Dec-11
215,305
209,916
5,390
22.4%
6.4%
Jan-12
215,055
209,178
5,877
22.0%
8.3%
Feb-12
217,197
211,027
6,169
20.4%
9.7%
Mar-12
220,211
213,977
6,233
20.0%
10.8%
Apr-12
222,726
216,064
6,662
19.4%
16.0%
May-12
226,076
219,435
6,641
18.3%
20.4%
Jun-12
228,857
222,218
6,639
17.9%
22.2%
Jul-12
231,115
224,166
6,950
17.3%
21.4%
Aug-12
233,136
226,263
6,873
16.3%
20.8%
Sep-12
235,894
228,914
6,980
15.2%
20.3%
Oct-12
238,810
231,784
7,026
15.3%
16.1%
Nov-12
244,132
236,818
7,313
14.6%
22.4%
Dec-12
248,093
241,048
7,045
15.2%
30.7%
(1) Indicador de Calidad Tradicional = Cartera y Lesing Vencido / Cartera y Leasing Bruto.
Provisiones de
Cartera y
Leasing
7,284
7,421
7,594
7,731
7,800
7,848
7,960
8,085
8,041
8,191
8,343
8,397
8,430
8,450
8,505
8,482
8,519
8,493
8,532
8,601
8,573
8,540
8,672
8,669
8,742
8,833
8,957
9,031
9,083
9,166
9,280
9,412
9,505
9,592
9,755
9,891
10,059
10,161
10,267
10,316
10,503
10,623
10,717
10,856
10,912
11,018
11,164
11,429
Indicador de
Calidad
Tradicional (1)
Indicador de
Cubrimiento
Tradicional (2)
4.5%
4.6%
4.7%
4.8%
4.8%
4.7%
4.6%
4.8%
4.6%
4.6%
4.7%
4.2%
4.4%
4.5%
4.5%
4.5%
4.3%
4.0%
4.0%
3.8%
3.5%
3.5%
3.3%
2.9%
3.1%
3.1%
3.1%
3.1%
2.9%
2.8%
2.9%
2.8%
2.8%
2.9%
2.8%
2.5%
2.7%
2.8%
2.8%
3.0%
2.9%
2.9%
3.0%
2.9%
3.0%
2.9%
3.0%
2.8%
110.3%
108.6%
110.4%
109.0%
108.2%
111.2%
115.6%
113.5%
118.0%
118.9%
118.6%
133.7%
126.9%
123.6%
125.2%
123.4%
128.0%
135.2%
133.8%
138.5%
148.0%
146.2%
151.0%
171.2%
161.1%
157.0%
159.2%
157.3%
164.6%
168.7%
162.2%
165.4%
163.9%
158.5%
163.2%
183.5%
171.2%
164.7%
164.7%
154.9%
158.2%
160.0%
154.2%
158.0%
156.3%
156.8%
152.7%
162.2%
Indicador de
Indicador de
Cubrimiento
Calidad por
por Morosidad
Morosidad (3)
(4)
5.0%
5.2%
5.2%
5.4%
5.4%
5.3%
5.1%
5.4%
5.1%
5.2%
5.2%
4.6%
4.9%
5.0%
4.9%
5.0%
4.8%
4.4%
4.5%
4.3%
3.9%
3.9%
3.7%
3.2%
3.5%
3.5%
3.4%
3.5%
3.2%
3.2%
3.3%
3.2%
3.2%
3.3%
3.2%
2.8%
3.1%
3.2%
3.2%
3.4%
3.3%
3.2%
3.3%
3.3%
3.3%
3.3%
3.4%
3.2%
98.5%
97.4%
99.2%
97.5%
96.4%
99.5%
103.7%
101.8%
106.0%
106.6%
106.4%
121.0%
114.7%
111.6%
114.1%
110.8%
114.5%
121.4%
119.8%
124.0%
131.4%
129.3%
133.8%
152.5%
143.7%
139.8%
142.3%
139.6%
146.6%
149.2%
144.5%
147.6%
146.1%
141.2%
145.3%
163.4%
152.4%
147.4%
146.8%
138.0%
141.2%
143.1%
139.3%
141.7%
139.9%
141.1%
136.4%
145.5%
Indicador de
Indicador de
Cubrimiento
Calidad por
por Calificacin
Calificacin (5)
(6)
9.2%
9.4%
9.6%
9.8%
10.0%
9.7%
9.5%
9.7%
9.6%
9.6%
9.6%
9.9%
9.9%
9.9%
10.0%
9.6%
9.5%
9.3%
9.2%
8.7%
8.1%
8.1%
7.7%
7.8%
7.8%
7.8%
7.6%
7.4%
7.4%
7.3%
7.3%
7.1%
6.9%
6.9%
6.9%
6.7%
6.8%
6.8%
7.0%
6.9%
6.8%
7.0%
6.8%
6.8%
6.6%
6.6%
6.5%
6.6%
53.7%
53.5%
53.5%
53.7%
52.5%
53.9%
55.7%
56.3%
56.9%
57.5%
58.2%
56.5%
56.6%
56.4%
56.1%
57.9%
57.9%
57.6%
58.5%
60.7%
63.6%
62.7%
64.3%
63.3%
63.2%
62.6%
64.2%
65.3%
64.6%
64.7%
64.9%
66.1%
66.8%
67.5%
66.4%
68.2%
68.4%
68.6%
66.3%
67.5%
68.5%
66.8%
67.8%
68.0%
70.1%
69.7%
70.7%
70.0%
19
La cartera vencida de vivienda en el plazo de 1 a 4 meses slo incluye las cuotas vencidas. El capital no incluido en la cuotas de 1 a 4 meses se considera vigente.
(2) Indicador de Cubrimiento Tradicional= Provisiones cartera y leasing / Cartera Vencida. Incluye provisiones generales.
(3) Indicador de calidad de cartera por morosidad = Saldos de Cartera en Mora / Cartera y Leasing Bruto.
La totalidad del capital de los crditos de vivienda vencidos entre 1 y 4 meses se considera en mora.
(4) Indicador de Cubrimiento por Morosidad = Provisiones cartera y leasing / Saldos de Cartera en Mora. Incluye provisiones generales.
La totalidad del capital de los crditos de vivienda vencidos entre 1 y 4 meses se considera en mora.
(5) Indicador de Calidad por Calificacin = Cartera calificada B, C, D y E / Cartera y Leasing Bruto.
(6) Indicador de Cubrimiento por Calificacin = Provisiones cartera y leasing / Cartera calificada B, C, D y E. Incluye provisiones generales.
A partir de abril de 2010, entraron en vigencia las modificaciones incorporadas por la Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del componente contracclico.
20
ESTABLECIMIENTOS DE CRDITO
SALDOS DE CARTERA (INCLUYENDO LEASING) POR TIPO DE CRDITO
Comercial
Mes
Bruta
Vencida
Indicador de Indicador de
Provision
Calidad
Cubrimiento
de cartera Tradicional % Tradicional
(1)
% (2)
Consumo
Indicador de
Indicador de
Calidad por
Cubrimiento por
Calificacin
Calificacin (6)
(5)
Bruta
Vencida
Indicador
de Calidad
Provisin
Tradicional
% (1)
Hipotecaria
Indicador de
Cubrimiento
Tradicional %
(2)
Indicador
de Calidad
por
Calificacin
(5)
Indicador de
Cubrimiento
por
Calificacin
(6)
Bruta (5)
Vencida
Indicador
Indicador de
de Calidad Cubrimiento
Provisin
Tradicional Tradicional %
% (1)
(2)
Indicador de
calidad por
Morosidad %
(3)
Jan-09
93,237
2,818
3,742
3.0%
132.8%
7.9%
50.6%
40,562
3,132
2,912
7.7%
93.0%
12.2%
59.1%
10,183
446
324
4.4%
72.6%
12.2%
Feb-09
93,532
2,909
3,810
3.1%
131.0%
8.0%
50.7%
40,412
3,246
2,956
8.0%
91.1%
12.6%
58.1%
10,359
461
337
4.5%
73.0%
12.0%
Mar-09
93,759
2,963
3,890
3.2%
131.3%
8.3%
49.9%
40,180
3,246
3,045
8.1%
93.8%
12.7%
59.5%
10,045
456
340
4.5%
74.7%
12.2%
Apr-09
93,714
3,072
3,958
3.3%
128.8%
8.4%
50.1%
40,003
3,332
3,092
8.3%
92.8%
13.0%
59.5%
10,230
464
349
4.5%
75.3%
12.8%
May-09
96,065
3,158
4,012
3.3%
127.0%
8.6%
48.8%
39,900
3,335
3,093
8.4%
92.7%
13.3%
58.5%
9,988
479
355
4.8%
74.0%
13.6%
Jun-09
96,319
3,141
4,079
3.3%
129.9%
8.3%
51.0%
39,907
3,230
3,076
8.1%
95.2%
13.0%
59.4%
10,137
455
348
4.5%
76.5%
12.7%
Jul-09
95,731
3,156
4,146
3.3%
131.4%
8.4%
51.5%
39,988
3,055
3,119
7.6%
102.1%
12.3%
63.5%
10,372
455
347
4.4%
76.2%
12.0%
Aug-09
93,986
3,269
4,177
3.1%
140.0%
8.5%
52.1%
40,118
3,149
3,201
7.9%
102.2%
12.4%
64.1%
10,226
471
353
4.7%
74.4%
12.6%
Sep-09
93,560
3,116
4,193
3.0%
146.3%
8.6%
52.4%
40,227
2,995
3,138
7.5%
105.3%
11.9%
65.5%
10,538
472
346
4.6%
72.7%
11.8%
Oct-09
93,716
3,146
4,274
3.0%
148.0%
8.7%
52.2%
40,494
3,025
3,202
7.5%
106.4%
11.7%
67.9%
10,848
481
341
4.6%
70.3%
11.8%
Nov-09
93,541
3,258
4,447
3.1%
150.5%
8.8%
53.9%
41,188
3,052
3,184
7.4%
105.0%
11.6%
66.8%
11,134
489
340
4.5%
69.3%
11.6%
Dec-09
94,165
2,914
4,577
2.9%
168.9%
9.8%
49.5%
41,392
2,693
3,111
6.5%
116.2%
10.6%
71.0%
11,178
451
341
4.1%
75.3%
9.9%
Jan-10
93,664
3,140
4,588
3.1%
158.3%
9.8%
50.0%
41,554
2,811
3,126
6.8%
112.1%
10.8%
69.7%
11,412
466
343
4.2%
73.3%
10.2%
Feb-10
94,389
3,221
4,592
3.1%
155.0%
9.6%
50.4%
41,813
2,912
3,137
7.0%
108.6%
11.1%
67.7%
11,516
465
340
4.1%
73.0%
10.4%
Mar-10
94,687
3,279
4,674
3.2%
151.2%
9.9%
49.7%
41,999
2,819
3,114
6.7%
111.4%
10.8%
68.6%
11,859
462
343
4.0%
74.2%
9.4%
Apr-10
95,426
3,362
4,653
3.5%
138.4%
9.4%
52.0%
42,297
2,803
3,104
6.6%
110.7%
10.5%
70.1%
11,702
474
347
4.0%
73.3%
10.7%
May-10
96,639
3,207
4,665
3.3%
145.4%
9.1%
52.9%
42,843
2,748
3,123
6.4%
113.7%
10.3%
71.0%
12,056
471
354
3.9%
75.1%
10.4%
98,378
2,968
4,648
3.0%
156.6%
9.3%
50.7%
43,382
2,620
3,089
6.0%
117.9%
9.8%
72.3%
12,388
467
366
3.8%
78.5%
9.5%
Jul-10
99,303
3,069
4,670
3.1%
152.2%
9.2%
51.4%
43,968
2,617
3,109
6.0%
118.8%
9.5%
74.3%
12,142
465
363
3.8%
78.1%
10.0%
Aug-10
Jun-10
100,793
3,001
4,724
3.0%
157.4%
8.7%
53.8%
44,657
2,525
3,122
5.7%
123.6%
9.2%
76.3%
12,484
458
360
3.7%
78.7%
9.5%
Sep-10
103,390
2,688
4,727
2.6%
175.9%
7.9%
57.6%
45,521
2,431
3,085
5.3%
126.9%
8.8%
77.1%
12,913
454
362
3.5%
79.8%
9.2%
Oct-10
105,310
2,712
4,714
2.6%
173.8%
7.9%
57.0%
46,276
2,462
3,062
5.3%
124.3%
8.8%
75.1%
12,985
452
363
3.5%
80.3%
9.4%
Nov-10
109,377
2,662
4,757
2.4%
178.7%
7.5%
58.2%
47,262
2,413
3,117
5.1%
129.2%
8.5%
77.5%
13,406
457
371
3.4%
81.2%
8.9%
Dec-10
112,170
2,303
4,862
2.1%
211.2%
7.7%
56.1%
48,176
2,143
3,044
4.4%
142.0%
7.8%
80.9%
11,254
430
341
3.8%
79.3%
9.3%
Jan-11
111,685
2,543
4,890
2.3%
192.3%
7.8%
56.1%
48,706
2,245
3,073
4.6%
136.9%
7.9%
80.0%
11,624
439
346
3.8%
78.8%
9.4%
Feb-11
114,018
2,569
4,921
2.3%
191.6%
7.7%
56.3%
49,423
2,390
3,095
4.8%
129.5%
8.2%
76.1%
12,017
434
350
3.6%
80.6%
9.4%
Mar-11
115,854
2,608
4,983
2.3%
191.1%
7.4%
58.0%
50,243
2,365
3,146
4.7%
133.0%
8.1%
77.2%
12,474
422
355
3.4%
84.1%
8.7%
Apr-11
117,316
2,589
4,983
2.2%
192.5%
7.1%
59.6%
51,320
2,484
3,202
4.8%
128.9%
8.1%
76.9%
12,862
422
357
3.3%
84.5%
8.9%
May-11
119,789
2,430
4,969
2.0%
204.5%
7.2%
57.4%
52,832
2,424
3,259
4.6%
134.5%
7.8%
79.5%
13,341
418
361
3.1%
86.3%
8.2%
Jun-11
121,209
2,361
5,043
1.9%
213.6%
7.3%
56.8%
54,012
2,408
3,259
4.5%
135.4%
7.5%
80.5%
13,564
415
364
3.1%
87.7%
8.3%
Jul-11
122,745
2,549
5,061
2.1%
198.6%
7.2%
57.4%
54,935
2,497
3,333
4.5%
133.5%
7.7%
79.3%
13,961
415
373
3.0%
90.0%
8.0%
Aug-11
124,554
2,506
5,100
2.0%
203.5%
7.0%
58.6%
56,004
2,520
3,413
4.5%
135.4%
7.6%
80.1%
14,431
406
375
2.8%
92.3%
7.6%
Sep-11
127,525
2,567
5,143
2.0%
200.3%
6.8%
59.7%
57,010
2,578
3,466
4.5%
134.5%
7.6%
79.5%
14,565
403
374
2.8%
92.9%
7.6%
Oct-11
128,498
2,671
5,113
2.1%
191.4%
6.6%
60.2%
57,934
2,709
3,564
4.7%
131.6%
7.7%
80.2%
14,993
409
380
2.7%
92.8%
7.7%
Nov-11
132,924
2,543
5,138
1.9%
202.0%
6.5%
59.2%
59,153
2,758
3,714
4.7%
134.7%
8.0%
78.9%
15,067
413
383
2.7%
92.7%
7.6%
Dec-11
133,593
2,202
5,187
1.6%
235.5%
6.7%
58.3%
60,247
2,547
3,801
4.2%
149.2%
7.2%
87.1%
15,512
402
383
2.6%
95.3%
6.9%
Jan-12
132,423
2,459
5,203
1.9%
211.6%
6.7%
58.9%
60,762
2,752
3,938
4.5%
143.1%
7.5%
86.2%
15,860
417
389
2.6%
93.3%
7.2%
Feb-12
133,550
2,555
5,245
1.9%
205.3%
6.5%
60.6%
61,700
2,931
3,995
4.7%
136.3%
7.9%
82.5%
15,872
412
385
2.6%
93.5%
7.2%
Mar-12
135,048
2,544
5,293
1.9%
208.1%
6.8%
57.7%
62,709
2,993
4,051
4.8%
135.4%
8.0%
80.9%
16,289
411
365
2.5%
89.0%
7.2%
Apr-12
136,306
2,785
5,289
2.0%
189.9%
6.5%
59.5%
63,590
3,175
4,097
5.0%
129.0%
8.0%
80.3%
16,623
416
371
2.5%
89.1%
7.4%
May-12
138,508
2,709
5,332
2.0%
196.8%
6.4%
60.0%
64,604
3,219
4,225
5.0%
131.3%
8.0%
82.0%
16,667
420
373
2.5%
88.9%
7.3%
Jun-12
139,987
2,663
5,408
1.9%
203.1%
6.7%
57.7%
65,454
3,253
4,262
5.0%
131.0%
7.9%
82.2%
17,009
421
377
2.5%
89.5%
7.1%
Jul-12
140,867
2,944
5,401
2.1%
183.4%
6.6%
58.1%
66,289
3,259
4,342
4.9%
133.2%
7.8%
84.4%
17,438
430
385
2.5%
89.4%
6.7%
Aug-12
141,725
2,811
5,436
2.0%
193.4%
6.6%
58.3%
67,202
3,302
4,428
4.9%
134.1%
7.8%
84.0%
17,550
432
386
2.5%
89.4%
6.9%
Sep-12
143,138
2,801
5,457
2.0%
194.8%
6.2%
61.9%
67,986
3,398
4,445
5.0%
130.8%
7.9%
83.2%
17,973
435
393
2.4%
90.2%
7.0%
Oct-12
144,647
2,798
5,441
1.9%
194.5%
6.2%
60.8%
68,840
3,438
4,531
5.0%
131.8%
7.8%
84.1%
18,374
436
399
2.4%
91.4%
6.6%
Nov-12
148,332
2,946
5,520
2.0%
187.4%
6.0%
62.3%
69,904
3,534
4,588
5.1%
129.8%
7.8%
83.8%
18,839
458
397
2.4%
86.6%
7.1%
Dec-12
151,057
2,823
5,638
1.9%
199.7%
6.3%
59.6%
70,640
3,400
4,696
4.8%
138.1%
7.5%
88.2%
19,267
451
415
2.3%
92.1%
6.5%
La cartera vencida de vivienda en el plazo de 1 a 4 meses slo incluye las cuotas vencidas. El capital no incluido en la cuotas de 1 a 4 meses se considera vigente.
(2) Indicador de Cubrimiento Tradicional= Provisiones cartera y leasing / Cartera Vencida. Incluye provisiones generales.
(3) Indicador de calidad de cartera por morosidad = Saldos de Cartera en Mora / Cartera y Leasing Bruto
La totalidad del capital de los crditos de vivienda vencidos entre 1 y 4 meses se considera en mora.
(4) Indicador de Cubrimiento por Morosidad = Provisiones cartera y leasing / Saldos de Cartera en Mora. Incluye provisiones generales.
La totalidad del capital de los crditos de vivienda vencidos entre 1 y 4 meses se considera en mora.
(5) Indicador de Calidad por Calificacin = Cartera calificada B, C, D y E / Cartera y Leasing Bruto.
(6) Indicador de Cubrimiento por Calificacin = Provisiones cartera y leasing / Cartera calificada B, C, D y E. Incluye provisiones generales.
A partir de abril de 2010, entraron en vigencia las modificaciones incorporadas por la Circular Externa 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del componente contracclico.
21
TABLECIMIENTOS DE CRDITO
A (INCLUYENDO LEASING) POR TIPO DE CRDITO
Miles de Millones de $ y Porcentajes
Hipotecaria
MICROCREDITO
Indicador de
Indicador de
Indicador de
Cubrimiento
Calidad por Cubrimiento por
por Morosidad
Calificacin (5) Calificacin (6)
% (4)
26.0%
Bruta
Vencida
Indicador
Indicador de
Provision de Calidad Cubrimiento
de cartera Tradicional Tradicional %
% (1)
(2)
Indicador de
Indicador de
Calidad por
Cubrimiento por
Calificacin (5) Calificacin (6)
9.8%
32.3%
3,133
206
125
6.6%
60.7%
8.0%
50.1%
27.1%
9.6%
33.8%
3,213
216
135
6.7%
62.4%
8.3%
50.8%
27.7%
10.0%
33.9%
3,289
216
138
6.6%
63.8%
8.2%
51.5%
26.8%
9.8%
34.8%
3,373
223
147
6.6%
65.9%
8.5%
51.5%
26.0%
10.6%
33.6%
3,448
233
156
6.7%
67.0%
8.7%
52.0%
27.1%
10.7%
32.2%
3,514
232
158
6.6%
68.2%
8.7%
51.7%
27.9%
9.9%
33.8%
3,587
222
156
6.2%
70.3%
8.3%
52.6%
27.4%
10.2%
33.7%
3,659
235
164
6.4%
69.8%
8.5%
52.6%
27.8%
9.7%
33.7%
3,726
232
169
6.2%
72.6%
8.4%
53.8%
26.7%
9.4%
33.6%
3,801
239
175
6.3%
73.0%
8.4%
54.7%
26.3%
9.1%
33.5%
3,825
237
168
6.2%
70.9%
7.8%
56.2%
30.7%
8.3%
36.6%
3,839
221
159
5.7%
72.2%
7.7%
54.0%
29.4%
8.1%
37.1%
3,845
228
163
5.9%
71.4%
8.2%
51.9%
28.4%
7.9%
37.4%
3,864
241
169
6.2%
70.2%
8.5%
51.4%
30.7%
7.6%
37.9%
3,854
235
154
6.1%
65.7%
8.5%
47.3%
27.7%
7.9%
37.7%
3,876
237
160
6.1%
67.3%
9.1%
45.3%
28.2%
8.1%
36.2%
3,892
230
157
5.9%
68.3%
9.0%
45.1%
31.0%
7.9%
37.5%
3,928
228
161
5.8%
70.6%
8.7%
46.9%
30.0%
8.0%
37.3%
3,955
228
163
5.8%
71.5%
8.7%
47.6%
30.4%
7.6%
37.8%
4,028
225
168
5.6%
74.8%
8.4%
49.9%
30.5%
7.3%
38.5%
4,092
219
166
5.4%
76.0%
8.1%
49.9%
29.9%
7.3%
38.3%
4,183
214
168
5.1%
78.1%
7.9%
50.4%
31.1%
7.1%
38.7%
4,255
210
188
4.9%
89.5%
7.8%
56.9%
32.5%
8.5%
35.7%
4,304
189
201
4.4%
106.8%
7.2%
64.9%
31.5%
8.2%
36.2%
4,330
200
208
4.6%
103.9%
7.3%
65.5%
31.0%
7.9%
36.9%
4,924
233
233
4.7%
99.9%
7.2%
65.6%
32.6%
7.4%
38.6%
5,011
232
233
4.6%
100.2%
7.2%
64.6%
31.1%
7.2%
38.4%
5,096
246
243
4.8%
98.9%
7.4%
64.2%
32.9%
6.8%
39.6%
5,191
246
249
4.7%
101.5%
7.4%
65.3%
32.4%
6.3%
42.6%
5,288
249
255
4.7%
102.6%
7.4%
65.1%
33.5%
6.2%
43.3%
5,378
261
263
4.9%
100.8%
7.9%
62.3%
34.4%
5.9%
43.9%
5,504
259
270
4.7%
104.2%
7.6%
64.4%
33.8%
5.7%
44.8%
5,628
252
264
4.5%
104.7%
7.3%
64.3%
33.0%
5.7%
44.5%
5,777
261
273
4.5%
104.7%
7.3%
64.8%
33.3%
5.8%
43.7%
5,888
262
287
4.5%
109.4%
7.3%
66.5%
35.9%
5.4%
45.6%
5,953
239
282
4.0%
118.1%
6.9%
68.7%
34.1%
5.5%
44.8%
6,010
249
288
4.1%
115.6%
7.0%
68.7%
33.9%
5.5%
44.3%
6,075
272
292
4.5%
107.6%
7.2%
67.3%
31.2%
5.3%
42.4%
6,164
286
310
4.6%
108.3%
7.2%
69.7%
30.1%
5.3%
42.2%
6,208
286
308
4.6%
107.7%
6.7%
74.5%
30.7%
5.3%
42.1%
6,297
293
320
4.7%
109.1%
6.7%
75.5%
31.2%
5.3%
41.9%
6,406
303
320
4.7%
105.8%
7.0%
71.1%
32.8%
5.2%
42.4%
6,521
316
327
4.8%
103.5%
7.1%
70.8%
31.7%
5.1%
43.2%
6,659
328
340
4.9%
103.5%
7.1%
71.8%
31.3%
5.1%
42.5%
6,797
346
347
5.1%
100.1%
7.2%
71.0%
32.7%
5.1%
42.3%
6,949
354
371
5.1%
104.8%
7.5%
71.1%
29.9%
4.9%
43.2%
7,057
375
377
5.3%
100.5%
7.6%
70.0%
33.0%
5.1%
42.5%
7,128
371
393
5.2%
106.0%
7.8%
70.4%
22
Miles de Millones de $ y Po
Hipotecaria Sin Fondo Nacional del Ahorro
Mes
Bruta
Jan-09
Feb-09
Mar-09
Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12
Feb-12
Mar-12
Apr-12
May-12
10,183
10,359
10,045
10,230
9,988
10,137
10,372
10,226
10,538
10,848
11,134
11,178
11,412
11,516
11,859
11,702
12,056
12,388
12,142
12,484
12,913
12,985
13,406
11,254
11,624
12,017
12,474
12,862
13,341
13,564
13,961
14,431
14,565
14,993
15,067
15,512
15,860
15,872
16,289
16,623
16,667
Vencida
446
461
456
464
479
455
455
471
472
481
489
451
466
465
462
474
471
467
465
458
454
452
457
430
439
434
422
422
418
415
415
406
403
409
413
402
417
412
411
416
420
Provisin
324
337
340
349
355
348
347
353
346
341
340
341
343
340
343
347
354
366
363
360
362
363
371
341
346
350
355
357
361
364
373
375
374
380
383
383
389
385
365
371
373
Indicador de
Calidad
Tradicional %
(1)
4.4%
4.5%
4.5%
4.5%
4.8%
4.5%
4.4%
4.6%
4.5%
4.4%
4.4%
4.0%
4.1%
4.0%
3.9%
4.0%
3.9%
3.8%
3.8%
3.7%
3.5%
3.5%
3.4%
3.8%
3.8%
3.6%
3.4%
3.3%
3.1%
3.1%
3.0%
2.8%
2.8%
2.7%
2.7%
2.6%
2.6%
2.6%
2.5%
2.5%
2.5%
Indicador de
Cubrimiento
Tradicional %
(2)
72.6%
73.0%
74.7%
75.3%
74.0%
76.5%
76.2%
75.0%
73.3%
70.9%
69.7%
75.5%
73.6%
73.1%
74.4%
73.3%
75.1%
78.5%
78.1%
78.7%
79.8%
80.3%
81.2%
79.3%
78.8%
80.6%
84.1%
84.5%
86.3%
87.7%
90.0%
92.3%
92.9%
92.8%
92.7%
95.3%
93.3%
93.5%
89.0%
89.1%
88.9%
Indicador de
Cubrimiento por
Calificacin (4)
9.8%
9.6%
10.0%
9.8%
10.6%
10.7%
9.9%
10.2%
9.7%
9.4%
9.1%
8.3%
8.1%
7.9%
7.6%
7.9%
8.1%
7.9%
8.0%
7.6%
7.3%
7.3%
7.1%
8.5%
8.2%
7.9%
7.4%
7.2%
6.8%
6.3%
6.2%
5.9%
5.7%
5.7%
5.8%
5.4%
5.5%
5.5%
5.3%
5.3%
5.3%
32.3%
33.8%
33.9%
34.8%
33.6%
32.2%
33.8%
33.7%
33.7%
33.6%
33.5%
36.6%
37.1%
37.4%
37.9%
37.7%
36.2%
37.5%
37.3%
37.8%
38.5%
38.3%
38.7%
35.7%
36.2%
36.9%
38.6%
38.4%
39.6%
42.6%
43.3%
43.9%
44.8%
44.5%
43.7%
45.6%
44.8%
44.3%
42.4%
42.2%
42.1%
Bruta
12,441
12,593
12,306
12,508
12,284
12,449
12,697
12,170
12,483
12,798
13,097
13,154
13,383
13,463
13,838
14,169
14,566
14,946
14,728
15,109
15,585
15,702
16,170
14,053
14,431
14,823
15,328
15,746
16,275
16,550
17,012
17,563
17,756
18,223
18,310
18,803
19,155
19,188
19,666
20,041
20,134
Vencida
641
621
613
618
640
622
631
646
651
665
679
639
659
619
614
632
634
633
631
630
634
642
656
635
650
609
594
597
593
593
601
597
602
625
602
594
614
574
573
589
599
Provisin
402
414
418
421
429
425
426
428
421
418
420
420
423
414
418
429
437
450
438
438
443
447
458
429
436
434
440
443
448
452
463
468
469
477
444
446
452
446
426
434
438
23
Jun-12
17,009
421
377
2.5%
89.5%
5.3%
41.9%
20,525
Jul-12
17,438
430
385
2.5%
89.4%
5.2%
42.4%
21,004
Aug-12
17,550
432
386
2.5%
89.4%
5.1%
43.2%
21,162
Sep-12
17,973
435
393
2.4%
90.2%
5.1%
42.5%
21,614
Oct-12
18,374
436
399
2.4%
91.4%
5.1%
42.3%
22,075
Nov-12
18,839
458
397
2.4%
86.6%
4.9%
43.2%
22,622
Dec-12
19,267
451
415
2.3%
92.1%
5.1%
42.5%
23,101
La cartera vencida de vivienda en el plazo de 1 a 4 meses slo incluye las cuotas vencidas. El capital no incluido en la cuotas de 1 a 4 meses se considera vigente.
(2) Indicador de Cubrimiento Tradicional= Provisiones cartera / Cartera Vencida. Incluye provisiones generales.
611
632
638
653
659
689
683
443
453
457
470
481
477
496
24
Indicador de
Cubrimiento
Tradicional %
(2)
62.7%
66.6%
68.2%
68.1%
67.0%
68.3%
67.5%
66.3%
64.7%
62.9%
61.8%
65.8%
64.1%
66.8%
68.1%
67.8%
68.9%
71.0%
69.4%
69.6%
69.9%
69.6%
69.7%
67.6%
67.0%
71.4%
74.1%
74.1%
75.5%
76.2%
77.1%
78.4%
77.9%
76.4%
73.8%
75.0%
73.7%
77.6%
74.3%
73.6%
73.1%
25
3.0%
3.0%
3.0%
3.0%
3.0%
3.0%
3.0%
72.5%
71.6%
71.6%
71.9%
73.1%
69.2%
72.6%
26
ESTABLECIMIENTOS DE CRDITO
EVOLUCIN DE LA CARTERA DE CRDITO (INCLUYE LEASING) POR TIPO DE INTERMEDIARIO
ENTIDADES
CARTERA Y
LEASING BRUTO
CARTERA Y
LEASING
VENCIDO
INDICADOR DE CALIDAD
TRADICIONAL (1)
PROVISIONES
dic-11
dic-12
INDICADOR DE CUBRIMIENTO
TRADICIONAL (2)
dic-11
dic-12
INDICADOR DE CALIDAD
POR MOROSIDAD (3)
dic-11
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
dic-12
BANCOS NACIONALES
BANCO DE BOGOTA
BANCO POPULAR
BANCOLOMBIA
HELM BANK
OCCIDENTE
BCSC
DAVIVIENDA
BANCO AV VILLAS
BANCAMIA
WWB S.A.
BANCOOMEVA
BANCO FINANDINA
TOTAL BANCOS NACIONALES
31,253,465
11,679,057
53,226,556
8,689,361
16,782,921
6,662,092
28,731,217
5,855,196
926,921
630,243
2,132,456
1,173,533
645,563
246,586
1,153,042
203,013
415,867
272,540
948,633
179,622
40,303
38,832
128,012
65,967
1,006,767
429,268
2,395,953
336,721
609,473
333,684
1,409,692
251,158
45,257
58,157
121,044
66,755
1.6%
2.1%
1.8%
1.8%
2.5%
4.0%
3.2%
2.8%
2.8%
4.1%
4.2%
4.3%
167,743,017
4,337,980
7,063,930
2.4%
2.1%
2.1%
2.2%
2.3%
2.5%
4.1%
3.3%
3.1%
4.3%
6.2%
6.0%
5.6%
194.4%
185.5%
235.8%
197.5%
158.1%
122.2%
154.3%
171.2%
166.1%
146.3%
129.2%
124.5%
156.0%
174.1%
207.8%
165.9%
146.6%
122.4%
148.6%
139.8%
112.3%
149.8%
94.6%
101.2%
1.6%
2.1%
2.2%
1.8%
2.5%
5.1%
3.9%
3.6%
2.8%
4.1%
4.6%
4.3%
2.1%
2.1%
2.6%
2.3%
2.5%
5.5%
4.0%
3.7%
4.3%
6.2%
6.8%
5.6%
194.0%
182.3%
199.5%
197.5%
158.1%
95.9%
125.9%
133.1%
166.1%
146.3%
117.6%
124.5%
155.7%
172.3%
175.5%
165.9%
146.6%
90.6%
123.6%
116.9%
112.3%
149.8%
83.3%
101.2%
2.6%
181.0%
162.8%
2.7%
2.9%
158.4%
144.3%
BANCOS EXTRANJEROS
BANCO CORPBANCA
SCOTIA BANK COLOMBIA
CITIBANK
HSBC
GNB SUDAMERIS
BBVA
RED MULTIBANCA COLPATRIA
PROCREDIT
BANCO FALABELLA S.A.
BANCO PICHINCHA S.A.
TOTAL BANCOS EXTRANJEROS
6,741,685
52,887
5,719,895
1,147,646
5,138,507
21,165,647
12,523,483
209,057
1,053,592
1,450,736
55,203,135
109,237
0
248,133
66,458
79,567
397,611
492,579
5,200
77,197
62,212
226,162
132
315,869
86,622
166,055
804,340
735,138
8,801
77,000
72,619
1,538,194
2,492,739
1.8%
0.0%
3.0%
3.7%
1.6%
1.8%
3.2%
1.9%
5.6%
4.2%
1.6%
0.0%
4.3%
5.8%
1.5%
1.9%
3.9%
2.5%
7.3%
4.3%
197.6%
0.0%
153.8%
146.1%
193.8%
224.2%
178.3%
180.4%
102.7%
122.6%
207.0%
0.0%
127.3%
130.3%
208.7%
202.3%
149.2%
169.3%
99.7%
116.7%
1.9%
0.0%
3.0%
3.8%
1.6%
2.4%
4.0%
1.9%
5.6%
4.2%
1.7%
0.0%
4.3%
5.8%
1.6%
2.6%
4.6%
2.5%
7.3%
4.3%
184.0%
0.0%
153.8%
142.5%
193.4%
161.5%
145.4%
180.4%
102.7%
122.6%
193.7%
0.0%
127.3%
129.3%
208.2%
145.3%
127.2%
169.3%
99.7%
116.7%
2.2%
2.8%
185.8%
162.1%
2.5%
3.2%
158.8%
139.4%
0
0
-
0
0
-
0
0
-
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0
0
0
-
0
0
0
-
0
0
0
-
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
27
ESTABLECIMIENTOS DE CRDITO
EVOLUCIN DE LA CARTERA DE CRDITO (INCLUYE LEASING) POR TIPO DE INTERMEDIARIO
Millones de $ y Porcentajes
ENTIDADES
CARTERA Y
LEASING BRUTO
CARTERA Y
LEASING
VENCIDO
PROVISIONES
dic-12
INDICADOR DE CALIDAD
TRADICIONAL (1)
dic-11
dic-12
INDICADOR DE CUBRIMIENTO
TRADICIONAL (2)
dic-11
dic-12
INDICADOR DE CALIDAD
POR MOROSIDAD (3)
dic-11
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
dic-12
530,399
209,555
692,671
631,991
1,367,127
540,922
326,809
0
0
23,728
44,154
9,920
8,115
20,613
158,639
14,360
18,090
0
0
0
43,691
9,414
29,400
32,278
247,057
37,944
14,621
0
0
476
4,323,201
273,892
414,880
7.3%
3.3%
2.5%
2.7%
5.4%
2.9%
3.3%
0.0%
0.0%
0.0%
8.3%
4.7%
1.2%
3.3%
11.6%
2.7%
5.5%
0.0%
0.0%
0.0%
106.5%
133.5%
205.1%
180.1%
379.6%
203.7%
153.2%
0.0%
0.0%
0.0%
99.0%
94.9%
362.3%
156.6%
155.7%
264.2%
80.8%
0.0%
0.0%
0.0%
7.3%
3.5%
2.5%
2.7%
5.4%
2.9%
3.3%
0.0%
0.0%
0.0%
8.3%
4.8%
1.2%
3.3%
11.6%
2.7%
5.5%
0.0%
0.0%
0.2%
106.5%
126.5%
205.1%
180.1%
379.6%
203.7%
153.2%
0.0%
0.0%
0.0%
99.0%
92.7%
362.3%
156.6%
155.7%
264.2%
80.8%
0.0%
0.0%
1056.8%
4.0%
6.3%
251.3%
151.5%
4.0%
6.3%
250.7%
151.3%
854,347
261,186
316,696
29,807
11,574
34,663
9,644
5,788
3,023
19
32,444
11,142
15,117
2,320
413
3.7%
5.9%
2.3%
12.2%
#N/A
1,473,609
53,136
61,437
4.0%
4.1%
3.7%
1.8%
10.1%
0.2%
112.8%
97.0%
199.0%
83.3%
#N/A
93.6%
115.5%
261.2%
76.7%
2182.9%
3.7%
5.9%
2.3%
12.2%
#N/A
4.1%
3.7%
1.8%
10.1%
0.2%
112.8%
97.0%
199.0%
83.3%
#N/A
93.6%
115.5%
261.2%
76.7%
2182.9%
3.6%
115.1%
115.6%
4.0%
3.6%
115.1%
115.6%
775,257
703,383
6,929,385
12,592
26,535
127,208
21,282
36,290
256,147
1.3%
4.0%
1.9%
1.6%
3.8%
1.8%
236.5%
141.8%
215.1%
169.0%
136.8%
201.4%
1.3%
4.0%
1.9%
1.6%
3.8%
1.8%
236.5%
141.8%
215.1%
169.0%
136.8%
201.4%
8,408,024
166,334
313,719
2.0%
2.0%
205.7%
188.6%
2.0%
2.0%
205.7%
188.6%
1,114
0
238
0
134
0
0.0%
0.0%
21.4%
0.0%
0.0%
0.0%
56.2%
0.0%
0.0%
0.0%
21.4%
0.0%
0.0%
0.0%
56.2%
0.0%
1,114
238
134
0.0%
21.4%
0.0%
56.2%
0.0%
21.4%
0.0%
56.2%
180,474,242
4,778,206
7,792,530
2.4%
2.6%
184.9%
163.1%
2.7%
3.0%
163.4%
146.1%
56,677,857
1,591,568
2,554,309
2.2%
2.8%
181.5%
160.5%
2.6%
3.2%
156.5%
138.7%
28
ESTABLECIMIENTOS DE CRDITO
EVOLUCIN DE LA CARTERA DE CRDITO (INCLUYENDO LEASING) POR TIPO DE INTERMEDIARIO
ENTIDADES
CARTERA Y
LEASING
BRUTO
CARTERA Y
LEASING
VENCIDO
PROVISIONES
dic-12
INDICADOR DE CALIDAD
TRADICIONAL (1)
dic-11
dic-12
INDICADOR DE
INDICADOR DE CALIDAD POR
CUBRIMIENTO TRADICIONAL
MOROSIDAD (3)
(2)
dic-11
dic-12
dic-11
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
dic-12
452,278
3,227
9,993
0.9%
0.7%
269.3%
309.6%
0.9%
0.7%
269.5%
309.6%
452,278
3,227
9,993
0.9%
0.7%
269.3%
309.6%
0.9%
0.7%
269.5%
309.6%
COOPERATIVAS FINANCIERAS
COOP FINAN DE ANTIOQUIA
COOP FINAN KENNEDY
COOP FINAN COOFINEP
COOP FINAN COTRAFA
COOP FINAN CONFIAR
COOP FINAN JURISCOOP
TOTAL COOPERATIVAS FINANCIERAS
188,028
511,655
119,707
297,411
477,051
468,534
6,224
24,762
4,471
12,313
17,200
22,096
8,140
57,051
5,474
20,168
24,306
27,365
3.4%
3.9%
2.7%
4.2%
3.1%
6.3%
3.3%
4.8%
3.7%
4.1%
3.6%
4.7%
131.2%
252.8%
150.4%
157.0%
170.1%
101.3%
130.8%
230.4%
122.4%
163.8%
141.3%
123.8%
3.4%
3.9%
2.7%
4.2%
3.1%
6.3%
3.3%
4.8%
3.8%
4.2%
3.7%
4.7%
131.2%
252.8%
150.4%
155.9%
165.4%
101.1%
130.0%
230.4%
121.9%
160.9%
136.1%
123.6%
2,062,387
87,067
142,504
4.2%
4.2%
158.4%
163.7%
4.2%
4.3%
157.4%
161.9%
168.9%
3.6%
3.6%
162.1%
167.1%
SECTOR SOLIDARIO
TOTAL SECTOR SOLIDARIO
2,514,664
90,294
152,497
3.6%
3.6%
163.1%
29
ESTABLECIMIENTOS DE CRDITO
EVOLUCIN DE LA CARTERA DE CRDITO (INCLUYENDO LEASING) POR TIPO DE INTERMEDIARIO
ENTIDADES
CARTERA Y
LEASING BRUTO
CARTERA Y
LEASING
VENCIDO
PROVISIONES
dic-12
INDICADOR DE CALIDAD
TRADICIONAL (1)
dic-11
dic-12
INDICADOR DE CUBRIMIENTO
TRADICIONAL (2)
dic-11
dic-12
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
LEASING BANCOLDEX
Leasing Pblicas
Total Sector Pblico
8,064,051
566,811
910,901
8,064,051
566,811
910,901
17,926
18,595
362,049
6.2%
7.0%
182.1%
160.7%
6.3%
7.1%
6.2%
7.0%
182.1%
160.7%
6.3%
7.1%
181.1%
181.1%
4.5%
5.0%
107.7%
103.7%
4.5%
5.0%
107.7%
362,049
17,926
18,595
4.5%
5.0%
107.7%
103.7%
4.5%
5.0%
107.7%
8,426,099
584,737
929,496
6.2%
6.9%
179.6%
159.0%
6.2%
7.0%
178.7%
ENTIDADES
CARTERA Y
LEASING BRUTO
CARTERA Y
LEASING
VENCIDO
PROVISIONES
dic-12
INDICADOR DE CALIDAD
TRADICIONAL (1)
dic-11
dic-12
INDICADOR DE CUBRIMIENTO
TRADICIONAL (2)
dic-11
dic-12
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
4,799,836
5,631,373
165,322
6,299,311
0
764
0
3,841,510
0
138,918
652
38
368
151
488
0
764
0
233,258
0
138,918
604
192,375
60,295
154,547
63,481
0
764
0
119,812
0
138,918
561
20,877,685
374,590
730,753
0.0%
0.0%
53.2%
0.0%
0.0%
100.0%
0.0%
5.9%
0.0%
100.0%
91.1%
0.0%
0.0%
0.1%
0.0%
0.0%
100.0%
0.0%
6.1%
0.0%
100.0%
92.6%
365137.2%
48107.9%
175.4%
12530.3%
0.0%
100.0%
0.0%
49.7%
0.0%
100.0%
97.0%
505850.5%
16383.9%
102200.4%
13007.6%
0.0%
100.0%
0.0%
51.4%
0.0%
100.0%
92.8%
0.0%
0.0%
53.3%
0.0%
0.0%
100.0%
0.0%
14.4%
0.0%
100.0%
91.1%
0.0%
0.0%
0.2%
0.0%
0.0%
100.0%
0.0%
14.1%
0.0%
100.0%
93.6%
254471.9%
48107.9%
175.2%
12530.3%
0.0%
100.0%
0.0%
20.2%
0.0%
100.0%
97.0%
2.4%
1.8%
164.7%
195.1%
3.8%
3.3%
104.9%
30
ENTIDADES
CARTERA Y
LEASING BRUTO
CARTERA Y
LEASING
VENCIDO
dic-12
PROVISIONES
INDICADOR DE CALIDAD
TRADICIONAL (1)
dic-11
dic-12
INDICADOR DE CUBRIMIENTO
TRADICIONAL (2)
dic-11
dic-12
dic-12
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-11
31
ESTABLECIMIENTOS DE CRDITO
N DE LA CARTERA DE CRDITO (INCLUYENDO LEASING) POR TIPO DE INTERMEDIARIO
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-12
103.7%
103.7%
158.4%
na 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del componente contracclico.
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-12
32
INDICADOR DE
CUBRIMIENTO POR
MOROSIDAD (4)
dic-12
na 035 de 2009 en relacin con el esquema general de provisiones, en particular respecto a las especificidades del componente contracclico.
33