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Assignment Assess the period 2013 to 2016 and

answer these questions:

Financial Enterprises: Scotia bank, Interbank


1. What is Disponible + Inversiones netas de provisioness share over
Obligaciones con el pblico for every year? Comment the trend.

Scotia bank

This ratio is used to know if t is able to pay its obligations


accurately, and certainly the FI pretty much can, e.g. on 2013
the obligations with public arises to S/. 9.50 against a sum of
assets up to 1389, and the result of the ratios throws 174.72,
this means that the FI can pay its year obligation This
demonstrates that the can accomplish with its obligations
before other payments without any problem and that its public
(deposits on banks) is completely safe and sound. However the
results for the next years after 2013 lows significantly due the
increasing on obligations with the public from 95, 356, and so
on, yet on 2013 obligations decreases to 49 throwing a greater
result compared to its the last 3 years.
Interbank

In the obligations with the public we see a clear and continuous


increase in their amounts and that is due to the fact that there
were more time deposits and savings where most of the terms
were up to one month. In the total of the operation we can
analyze that it is constant due to the great increase in which
obligations due also because the rates are fixed by those in
force in the current market and by the term term.

2. What is Obligaciones con el pblico + Adeudos y obligaciones


financierass share over Crditos netos de provisiones y de ingresos
no devengados for every year? Comment the trend.

Scotia bank

On this regard the FI compares the profit that generates to get into debt,
CREDITOS NETOS DE PROVISIONES E INGRESOS NO DEVENGADOS as
a part of the assets that finance the payment of two obligations
(liabilities), and for the results we can say that around 0.91 (91%) of the
liabilities (obligations with the public and other financial obligations) are
financed with CREDITOS NETOS DE PROVISIONES E INGRESOS NO
DEVENGADOS (the most profitable part of the total assets if we compare
this last with total assets and how much conforms on it).
Interbank

In this operation we can see that on average S / .1.40 is needed


to cover the obligations and debts with what are net credits,
which the benefit of borrowing on the assets is not much.

3. What is Crditos netos de provisiones y de ingresos no devengadoss


average for the next periods: 2013-2016, 2013-2014, 2014-2015 and
2015-2016?

Interbank

The average starts growing almost geometrically (not exactly) since 2013,
but most of the credits arises with a noticeable increase since 2013, we
can see also that every two years since 2016 the average of Crditos
netos de provisiones y de ingresos no devengados increases dramatically
from 85,553 to 186,259. This represents how profitable the FI has become
since 2010 but with a high focus on 2012 and on behavior.

We see that this ratio has been constant until 2013, however from 2016
this has been increasing until 2015, reaching in 2016 to a value of
265.975%, that mean that the obligations with the public + debts and
financial obligations were Of almost double the net credits of provisions +
unearned revenues in 2016.

In agreement to the realized calculations we realize the very important relation


that there have the clear credits of provisions and the total assets, since the
clear credits of provisions he is inside the assets for that while more it increases
the clear credits also it was increasing the total assets of this year. In the year of
2013 were obtained lowering 0,72 the following year but in the year 2014 and
2015 it was kept with 0,68 lowering in 2015 0,67 in 2016 to 0,64 to 0,63.

Scotia bank

On December 31, 2013 and 2014 the clear credits increased in s/.128.2 million it
is to say in (+14.3 %) in other words the credits of consumption, mortgage loans
and commercial credits they increased.

On December 31, 2015 and where the calculation in relation with the clear credits
and the total assets was kept there was 2016 because there was a bad financial
management in the bank of trade for that the assets went down it is to say the
clear credits of provisions they diminished to s/. The same thing is 14.3 million to
say (-1.3 %) with the active total.

In the next few years, bad management of regulation and the commercial
bank was able to increase net loans and their total assets, ending 2013
with an absolute change with 2016 of s / .30.5 million in net loans of
provisions and non- Accrued and in total assets a variation of s / 65.0
million.

4. What is Crditos netos de provisiones y de ingresos no devengados and


Obligaciones con el pblicos each average for the next periods: 2013-2016,
2013-2014, 2014-2015 and 2015-2016?

Scotia bank

We see how the net loans have been growing periodically without any
progressive drop and this is due to the greater activity of loans in its largely
commercial and credit card.
Is seen as the ratio is slowly going down due to long-term debts vs. the income
of assets is decreasing leading this to gradual decline
Interbank

In the obligations with the public we see a growth that is due to the bank
trusts and to the loans and savings mostly in terms of 1 month. The
average of credits over obligations with the public throws that credits can
cover the obligations, and this cover up increases from 2013-2016 from
17,000.00 to 58,000 (round up) more than 3 times, the capacity to cover
increases three times according to those two periods. With the
obligations with the public being null, the credits take these obligations
over, resulting on a greater average from to coming years as credits keep
increasing year to year.

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