Indicadores Financieros Bancos: Santa Cruz, BDI, CARIBE y Lopez de Haro

INDICADORES FINANCIEROS
A MAYO 2012
Jos Alfredo Guerrero
Preparado por Jos Alfredo Guerrero. Reportes generados con base de datos en Access, desarrollada por
el autor con la informacin de la Superintendencia de Bancos publicada en su portal.
INDICADORES ESTRUCTURA DE ACTIVOS
SantaCruz
(Crditos Vigentes + Inversiones)/Activos
Activos del Banco y Participacin en Total

MM RD$
% Total
Total
18000
2.5
16000
2
14000
Banco
80.0
70.0
60.0
12000
1.5
10000
50.0
40.0
8000
6000
4000
0.5
2000
30.0
20.0
10.0
2
A
A12
-1
E12
S11
1
M
-1
E12
Banco
Total
70.0
S10
0
M
-1
S09
9
M
-0
Total Inversiones/Activos Netos
Total Cartera de Crditos/Activos Netos

Total
S08
0.0
M
-0
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
S07
Banco
25.0
60.0
20.0
50.0
40.0
15.0
30.0
10.0
20.0
5.0
10.0
S11
S10
M
-1
1
S09
M
-1
0
S08
M
-0
9
S07
M
-0
8
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
M
S08
-0
8
0.0
M
S07
0.0
SantaCruz
Disponibilidades/Activos Netos
Total
Bienes Recibidos en Recuperacin de

Crditos/Activos Netos
Banco
Total
45.0
Banco
1.8
40.0
1.6
35.0
1.4
30.0
1.2
25.0
2
-1
A
A
S11
1
M
-1
S10
0
M
-1
S09
E12
Total
E12
Activos Fijos Brutos/Activos Brutos
M
-0
S08
M
-0
S07
M-12
A-12
E-12
M-12
S-11
D-11
J-11
D-10
M-11
D-09
S-08
D-07
M-08
J-10
0.0
S-10
0.0
M-10
0.2
S-09
5.0
J-09
0.4
M-09
10.0
D-08
0.6
J-08
15.0
S-07
0.8
1.0
20.0
Otros Activos/Activos Netos
Banco
Total
5.0
4.5
4.5
4.0
3.5
3.5
Banco
4.0
3.0
3.0
2.5
2.0
2.5
2.0
1.5
1.5
1.0
1.0
0.5
0.5
0.0
2
-1
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0
S08
8
M
-0
S07
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
J-10
S-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
INDICADORES ESTRUCTURA DE PASIVOS
SantaCruz
Total Captaciones/(Pasivos + Patrimonio)
Pasivos del Banco y Participacin en Total

MM RD$
% Total
18000
Total
2.5
Banco
88.0
16000
2
14000
86.0
84.0
12000
1.5
10000
8000
6000
82.0
80.0
78.0
4000
0.5
76.0
MM RD$
% Total
1400
Total
3
2.5
1200
1000
800
600
2
1.5
1
400
200
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
A12
E12
S11
Indice de Solvencia (Preliminar)
Patrimonio Neto del Banco y % del Total

1600
S10
M
-1
1
74.0
S07
M
-0
8
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
S09
M
-1
0
S08
M
-0
9
2000
0.5
Banco
20.0
18.0
16.0
14.0
12.0
10.0
8.0
6.0
4.0
2.0
0.0
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
SantaCruz
Otros Pasivos/(Pasivos + Patrimonio)

Total
Patrimonio/(Pasivos + Patrimonio)
Banco
Total
7.0
Banco
16.0
6.0
14.0
5.0
12.0
4.0
10.0
8.0
3.0
6.0
2.0
4.0
1.0
2.0
0.0
M-12
A-12
E-12
M-12
D-11
J-11
S-11
D-10
M-11
J-10
S-10
M-10
D-09
J-09
S-09
M-09
S-08
D-08
J-08
M-08
S-07
D-07
-1
2
A
2
E1
1
S1
M
-1
1
0
S1
M
-1
0
9
S0
M
-0
9
8
S0
M
-0
8
S0
0.0
INDICADORES CARTERA DE PRESTAMOS
SantaCruz
Cartera Bruta Banco y Participacin en el Total
% Total
Total
97.0
5000
1.2
96.0
4000
95.0
3000
0.8
94.0
0.6
93.0
0.4
92.0
0.2
91.0
Cartera Vencida/Cartera Bruta

Banco
Total
4.0
4.0
3.5
3.5
3.0
3.0
2.5
2.5
2.0
2.0
1.5
1.5
1.0
1.0
A12
E12
S11
-1
1
M
A-12
M-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S10
-1
0
-0
9
M
S08
0.0
-0
8
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
0.0
Banco
0.5
S07
0.5
D-09
Cartera Cobranza Judicial/Cartera Bruta
Total
S-09
90.0
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
J-09
1000
S-07
2000
S09
1.4
D-08
6000
98.0
M-09
1.6
Banco
99.0
J-08
7000
1.8
S-08
M-08
8000
D-07
MM RD$
Cartera Vigente/Cartera Bruta
SantaCruz
Provisiones Cartera Crdito por Banco y Participacin en el
Total
MM RD$
Provisin Cartera Crdito/Cartera Bruta

Total
% Total
250
2
2
200
150
7.0
6.0
5.0
4.0
100
Banco
3.0
2.0
1.0
Bienes Recibidos Recuperacin Crdito por Banco y su

Participacin en el Total
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.05
0.4
0.2
0.0
A-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
M-12
A12
10
E12
0.1
S11
0.15
-1
1
20
0.2
S10
30
1.2
1.0
0.8
0.6
-1
0
0.25
40
S09
0.3
-0
9
50
1.6
1.4
0.35
Banco
1.8
S08
0.4
Total
-0
8
0.45
60
J-09
D-08
% Total
70
M-09
S-08
J-08
Bienes Recibidos Rec. Crdito/Activos
S07
MM RD$
D-07
S-07
0.0
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
M-08
50
INDICADORES LIQUIDEZ
SantaCruz
Disponibilidades y Participacin en el Total
MM RD$
Disponibilidades/Total de Captaciones
% Total
Total
6000
Banco
60.0
3.5
5000
50.0
3
4000
3000
2.5
40.0
30.0
1.5
20.0
1
0.5
0
Total
-1
2
A
2
E1
1
S1
M
-1
1
S1
M
-1
0
S0
M
-0
9
7
S0
Disponibilidades/Total Captaciones + Oblig. Con

Costo
0.0
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
10.0
S0
1000
M
-0
8
2000
Disponib.+ Inversiones en Depsitos y

Valores/Total Activos
Banco
Total
60.0
Banco
60.0
50.0
50.0
40.0
40.0
30.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0
S08
M
-0
S07
A-12
M-12
E-12
M-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
D-09
M-10
S-09
J-09
M-09
S-08
0.0
D-08
0.0
J-08
10.0
D-07
10.0
M-08
20.0
S-07
20.0
30.0
SantaCruz
Activos Productivos/Total Captaciones + Oblig. Con
Costo
Total
Banco
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS
SantaCruz
Sueldos y compensaciones al personal/Total
Gastos Generales y Administrativos
Gastos Generales y Administrativos y % Total

MM RD$
% Total
900
2.5
Banco
70.0
800
2
700
600
1.5
500
60.0
50.0
40.0
400
300
200
0.5
100
30.0
20.0
10.0
2
-1
A
E12
S11
1
M
-1
S10
S09
9
M
-0
S08
M
-1
Banco
2
-1
A
E12
S11
0.0
1
0.0
M
-1
10.0
S10
10.0
20.0
M
-1
20.0
S09
30.0
30.0
M
-0
40.0
S08
40.0
S07
50.0
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
50.0
60.0
Total
60.0
M
-0
Banco
M
-0
Otros Gastos generales/Total Gastos grales. y

Admtivos
Total Gastos grales. y Admtivos/Total Gastos

Total
0.0
S07
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
0
D06
Total
INDICADORES DE GESTION
SantaCruz
Gastos de Explotacin / Margen Operacional
Bruto (Cost / Income)
Total
Total Gastos grales. y Admtivos/Total Captaciones

Total
Banco
Banco
12.0
90.0
80.0
10.0
70.0
60.0
8.0
50.0
6.0
40.0
30.0
4.0
20.0
2.0
10.0
Gastos Financieros/Total Captaciones + Oblig. Con

Costo
Total
Banco
E1
-1
2
A-12
M-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
A-12
M-12
M-12
E-12
S-11
D-11
J-11
M-11
D-10
J-10
0.0
S-10
0.0
M-10
2.0
S-09
2.0
D-09
4.0
J-09
4.0
M-09
6.0
D-08
6.0
S-08
8.0
J-08
8.0
M-08
10.0
S-07
Banco
12.0
10.0
D-07
S1
Total Gastos grales. y Admtivos /Total Captaciones

+ Oblig. Con Costo)
D-08
Total
12.0
M
-1
1
M12
A12
S1
M12
M
-1
0
E12
D11
S0
S11
M
-0
9
J11
M11
S-08
D10
S0
S10
J-08
J10
M-08
M10
M
-0
8
D09
D-07
S09
S-07
J09
S0
M09
0.0
0.0
INDICADORES RENTABILIDAD
SantaCruz
Rentabilidad Patrimonial
Resultados despus de Impto y % en el Total

MM RD$
% Total
Total
250
200
35.0
2.5
30.0
25.0
Banco
150
1.5
100
20.0
15.0
1
10.0
50
0.5
5.0
Total
Banco
4.0
Banco
M10
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
M12
A12
D09
E12
S09
S11
J09
-1
1
M09
0.0
S10
0.5
-1
0
1.0
1.5
S09
2.0
S08
M
-0
9
2.5
-0
8
3.0
3.5
S07
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
M-12
A-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
J-09
M-09
S-08
D-08
J-08
Activos Productivos/Total Pasivos
Rentabilidad de los Activos

Total
M-08
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
S-07
0.0
D-07
D06
J07
D07
SantaCruz
Activos Productivos/Activos Totales Brutos
Ingresos Financieros/ Activos Productivos

Total
Total
Banco
Banco
16.0
30.0
14.0
25.0
12.0
20.0
10.0
8.0
15.0
6.0
10.0
4.0
5.0
2.0
0.0
0.0
M09
J09
S09
D09
M10
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
S-10 D-10 M11
M12
Margen Intermediacin Neto (MIN) / Activos Productivos

Total
J-11 S-11 D-11 E-12 M- A-12 M12

12
Margen Intermediacin Neto (MIN)/Margen Operacional

Bruto
Banco
16.0
Total
Banco
82.0
14.0
80.0
78.0
12.0
76.0
10.0
74.0
8.0
72.0
70.0
6.0
68.0
4.0
66.0
64.0
2.0
62.0
0.0
60.0
S-10
D-10 M-11
J-11
S-11
D-11
E-12 M-12 A-12 M-12
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
Caribe

MM RD$
% Total
Total
8000
7000
1.2
80.0
70.0
6000
60.0
0.8
5000
50.0
4000
3000
0.6
40.0
0.4
30.0
2000
0.2
1000
20.0
10.0
2
A
A12
-1
E12
S11
1
M
-1
E12
Banco
Total
70.0
S10
0
M
-1
S09
9
M
-0

Total
S08
0.0
M
-0
J11
D11
M
-1
2
M
-1
2
J07
D07
J08
D08
J09
D09
J10
D10
S07
0
D06
Banco
Banco
25.0
60.0
20.0
50.0
40.0
15.0
30.0
10.0
20.0
5.0
10.0
S11
S10
M
-1
1
S09
M
-1
0
S08
M
-0
9
S07
M
-0
8
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
M
S08
-0
8
0.0
M
S07
0.0
Caribe
Banco
2
-1
A
A
S11
1
M
-1
0
M
-1
E12
Total
Banco
E12
M
-0
S08
D-09
S-08
D-07
M-08
M
-0
0.0
S07
0.0
M-12
0.2
A-12
5.0
E-12
0.4
M-12
10.0
S-11
0.6
D-11
15.0
J-11
0.8
D-10
20.0
M-11
1.0
J-10
25.0
S-10
1.2
M-10
30.0
S-09
1.4
J-09
35.0
M-09
1.6
D-08
40.0
J-08
1.8
S-07
45.0
S09
Total
50.0
S10
Total

Banco
Total
6.0
2.0
1.8
5.0
1.6
1.4
4.0
Banco
1.2
3.0
1.0
0.8
0.6
2.0
0.4
1.0
2
-1
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0
S08
8
M
-0
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
J-10
S-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
S07
0.2
0.0
Caribe

% Total
Total
0.8
5000
4000
0.6
3000
0.4
2000
0.2
1000
0
S07
M
-0
8
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2

MM RD$
% Total
450
400
Total
0.7
18.0
0.6
16.0
350
0.5
300
250
0.4
200
0.3
Banco
14.0
12.0
10.0
150
50
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
J08
D08
J07
D07
8.0
0.2
6.0
0.1
4.0
2.0
100
D06
A12
6000
100.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
E12
7000
Banco
S10
M
-1
1
S11
1.2
S08
M
-0
9
S09
M
-1
0
MM RD$
8000
0.0
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
Caribe

Total
Banco
Total
12.0
Banco
12.0
10.0
10.0
8.0
8.0
6.0
6.0
4.0
4.0
2.0
2.0
0.0
M-12
A-12
E-12
M-12
D-11
J-11
S-11
D-10
M-11
J-10
S-10
M-10
D-09
J-09
S-09
M-09
S-08
D-08
J-08
M-08
S-07
D-07
-1
2
A
2
E1
1
S1
M
-1
1
0
S1
M
-1
0
9
S0
M
-0
9
8
S0
M
-0
8
S0
0.0
Caribe
% Total
Total
0.7
94.0
2500
0.6
92.0
2000
0.5
90.0
1500
0.4
86.0
0.1
84.0

Banco
Total
6.0
6.0
5.0
5.0
4.0
4.0
3.0
3.0
2.0
2.0
1.0
1.0
A12
E12
S11
-1
1
M
S10
-1
0
M
-0
9
M
S08
-0
8
A-12
M-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
Banco
0.0
S07
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
0.0
D-09
Total
S-09
82.0
J-09
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.2
S09
500
88.0
S-07
1000
0.3
D-08
3000
96.0
M-09
0.8
Banco
98.0
J-08
3500
0.9
S-08
M-08
4000
D-07
MM RD$
Caribe
Total
MM RD$

Total
% Total
180
7.0
6.0
5.0
160
140
120
100
1
80
Banco
4.0
3.0
60
2.0
40
0
20
1.0

A-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
M-12
A12
0.0
E12
S11
0.4
0.2
-1
1
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.1
20
S10
0.2
-1
0
0.3
40
0.4
1.2
1.0
0.8
0.6
S09
60
0.5
-0
9
80
1.6
1.4
0.6
Banco
1.8
S08
0.7
Total
-0
8
0.8
100
J-09
D-08
% Total
120
M-09
S-08
J-08
D-07
S07
MM RD$
M-08
S-07
0.0
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
Caribe
MM RD$
% Total
Total
3000
1.8
Banco
60.0
1.6
2500
2000
1.4
50.0
1.2
40.0
1500
1000
0.8
30.0
0.6
20.0
0.4
0.2
0
Total
-1
2
A
2
E1
1
S1
M
-1
1
S1
M
-1
0
S0
M
-0
9
S0
7
S0

Costo
0.0
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
10.0
M
-0
8
500

Banco
Total
60.0
Banco
60.0
50.0
50.0
40.0
40.0
30.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0
S08
M
-0
S07
A-12
M-12
E-12
M-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
D-09
M-10
S-09
J-09
M-09
S-08
0.0
D-08
0.0
J-08
10.0
D-07
10.0
M-08
20.0
S-07
20.0
30.0
Caribe
Costo
Total
Banco
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
Caribe

MM RD$
% Total
600
1.4
500
1.2
60.0
50.0
0.8
40.0
0.6
30.0
0.4
20.0
0.2
10.0
400
Total
Banco
300
Banco
60.0
50.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0

Admtivos

Total
S08
0.0
8
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
M
-0
100
S07
200
Total
Banco
70.0
60.0
50.0
40.0
40.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
0.0
M
-0
0.0
S07
10.0
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
10.0
S08
20.0
20.0
30.0
M
-0
30.0
Caribe
Total

Total
Banco
90.0
14.0
80.0
12.0
70.0
Banco
10.0
60.0
8.0
50.0
40.0
6.0
30.0
4.0
20.0
2.0
10.0

Costo
Total
10.0
-1
2
A
M12
A12
E1
M12
E12
S1
D11
M
-1
1
S11
J11
S1
M11
M
-1
0
D10
S10
S0
J10
M
-0
9
M10
D09
S0
S09
M
-0
8
J09
S0
M09
0.0
0.0

+ Oblig. Con Costo)
Total
Banco
Banco
12.0
9.0
10.0
8.0
7.0
8.0
6.0
5.0
6.0
4.0
4.0
3.0
2.0
2.0
1.0
A-12
M-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
A-12
M-12
M-12
E-12
S-11
D-11
J-11
M-11
D-10
J-10
S-10
M-10
S-09
D-09
J-09
M-09
D-08
S-08
J-08
M-08
S-07
0.0
D-07
0.0
Caribe

MM RD$
% Total
Total
60
0.8
35.0
50
0.6
30.0
0.4
25.0
20
0.2
20.0
10
15.0
-0.2
10.0
-0.4
5.0
-30
-0.6
0.0
-40
-0.8
Banco
40
30
Total
Banco
3.5
Banco
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
M12
A12
M10
E12
D09
S11
S09
-1
1
J09
M09
S10
0.0
-1
0
0.5
1.0
S09
1.5
S08
M
-0
9
2.0
-0
8
2.5
3.0
S07
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
M-12
A-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
J-09
M-09
S-08
D-08
J-08

Total
M-08
S-07
-20
D-07
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
-10
Caribe

Total
Total
Banco
Banco
16.0
35.0
14.0
30.0
12.0
25.0
10.0
20.0
8.0
15.0
6.0
10.0
4.0
2.0
5.0
0.0
0.0
M09
J09
S09
D09
M10
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
S-10 D-10 M11
M12

Total
J-11 S-11 D-11 E-12 M- A-12 M12

12

Bruto
Banco
16.0
Total
Banco
90.0
14.0
80.0
12.0
70.0
10.0
60.0
8.0
50.0
6.0
40.0
30.0
4.0
20.0
2.0
10.0
0.0
0.0
S-10
D-10 M-11
J-11
S-11
D-11
E-12 M-12 A-12 M-12
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
BDI

MM RD$
% Total
Total
8000
1.1
74.0
1.08
7000
1.06
6000
1.04
5000
1.02
72.0
70.0
2
A
A12
-1
E12
S11
E12
Total
M
-1

Banco
Total
80.0
62.0
S10
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.88
64.0
M
-1
0.9
S09
0.92
1000
66.0
0.94
M
-0
2000
S08
0.96
3000
68.0
M
-0
0.98
S07
4000
Banco
20.0
10.0
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
M
S08
-0
8
0.0
S11
30.0
S10
M
-1
1
40.0
S09
M
-1
0
50.0
S08
M
-0
9
60.0
S07
M
-0
8
18.0
16.0
14.0
12.0
10.0
8.0
6.0
4.0
2.0
0.0
70.0
S07
Banco
BDI
Total

Banco
Total
30.0
Banco
2.5
25.0
2.0
20.0
1.5
15.0
2
-1
A
A
S11
1
M
-1
S10
0
M
-1
S09
E12
Total
E12
M
-0
S08
M
-0
S07
M-12
A-12
E-12
M-12
S-11
D-11
J-11
D-10
M-11
J-10
S-10
D-09
M-10
S-09
J-09
S-08
D-07
M-08
M-09
0.0
D-08
0.0
J-08
0.5
S-07
5.0
1.0
10.0
Banco
Total
4.5
Banco
2.0
1.8
4.0
1.6
1.4
3.5
3.0
2
-1
S11
1
M
-1
S10
0
M
-1
S09
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
J-10
S-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
M
-0
0.2
0.0
S08
0.4
0.5
M
-0
1.0
S07
1.5
1.0
0.8
0.6
2.0
1.2
2.5
BDI

MM RD$
% Total
8000
Total
1.1
7000
1.05
6000
90.0
88.0
86.0
5000
4000
84.0
82.0
0.95
3000
2000
0.9
80.0
78.0
76.0
A12
E12
S11

MM RD$
S10
M
-1
1
74.0
S07
M
-0
8
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.85
S09
M
-1
0
S08
M
-0
9
1000
% Total
Total
800
1.4
20.0
700
1.2
18.0
Banco
16.0
600
500
300
12.0
0.6
10.0
0.4
200
14.0
0.8
400
8.0
6.0
0.2
100
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
J08
D08
0
J07
D07
0
D06
Banco
4.0
2.0
0.0
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
BDI

Total
Banco
Total
4.5
Banco
14.0
4.0
12.0
3.5
3.0
10.0
2.5
8.0
2.0
6.0
1.5
1.0
4.0
0.5
2.0
0.0
M-12
A-12
E-12
M-12
D-11
J-11
S-11
D-10
M-11
J-10
S-10
M-10
D-09
J-09
S-09
M-09
S-08
D-08
J-08
M-08
S-07
D-07
-1
2
A
2
E1
1
S1
M
-1
1
0
S1
M
-1
0
9
S0
M
-0
9
8
S0
M
-0
8
S0
0.0
BDI
% Total
98.0
1.2
96.0
94.0
0.8
92.0
86.0

Total
5.0
Total
Banco
4.0
3.5
3.0
0.5
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
0.0
M
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
0.0
1.0
S08
1.0
1.5
-0
8
2.0
2.0
3.0
2.5
S07
4.0
A-12
M-12
M-12
E-12
S-11
D-11
J-11
D-10
M-11
J-10
S-10
M-10
Banco
6.0
S-09
84.0
D-09
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
88.0
J-09
0.2
D-08
0.4
1000
Banco
90.0
M-09
0.6
2000
J-08
3000
1.4
S-08
4000
100.0
M-08
5000
Total
1.6
S-07
6000
D-07
MM RD$
BDI
Total
MM RD$

Total
% Total
250
2
1
200
Banco
7.0
6.0
5.0
1
2.0
1.0

MM RD$
1.6
Total
Banco
2.5
1.4
200
150
1.2
2.0
1.5
0.8
0.4
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
0.0
S08
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.5
-0
8
0.2
0
1.0
50
0.6
S07
100
A-12
M-12
E-12
M-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
J-09
D-08
% Total
250
M-09
S-07
0.0
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
3.0
S-08
50
J-08
100
4.0
D-07
M-08
150
BDI
0.2
5.0
0.0
200
S0
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2

Costo
Total
-1
2
10.0
0.4
600
400
E1
15.0
0.6
S1
800
20.0
M
-1
1
0.8
1000
25.0
1200
Banco
M
-1
0
S0
30.0
M
-0
9
1.2
1600
1400
S0
1800
35.0
Total
1.4
S1
% Total
2000
M
-0
8
MM RD$

Banco
Total
35.0
Banco
45.0
30.0
40.0
35.0
25.0
30.0
20.0
25.0
15.0
20.0
10.0
15.0
10.0
5.0
5.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0
S08
8
M
-0
A-12
M-12
E-12
M-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
D-09
M-10
S-09
J-09
M-09
S-08
D-08
J-08
D-07
M-08
S-07
S07
0.0
0.0
BDI
Costo
Total
Banco
86.0
84.0
82.0
80.0
78.0
76.0
74.0
72.0
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
70.0
BDI

MM RD$
% Total
450
1.2
400
350
Total
Banco
60.0
50.0
300
0.8
40.0
250
0.6
200
30.0
150
0.4
20.0
Banco
60.0
50.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0

Admtivos

Total
S08
0.0
8
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
10.0
M
-0
0.2
50
S07
100
Total
Banco
70.0
60.0
50.0
40.0
40.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
0.0
M
-0
0.0
S07
10.0
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
10.0
S08
20.0
20.0
30.0
M
-0
30.0
BDI
Total

Total
Banco
Banco
12.0
100.0
90.0
10.0
80.0
70.0
8.0
60.0
6.0
50.0
40.0
4.0
30.0
2.0
20.0
10.0

Costo
Total
10.0
-1
2
A
M12
A12
E1
M12
E12
S1
D11
M
-1
1
S11
J11
S1
M11
M
-1
0
D10
S10
S0
J10
M
-0
9
M10
D09
S0
S09
M
-0
8
J09
S0
M09
0.0
0.0

+ Oblig. Con Costo)
Total
Banco
Banco
12.0
9.0
10.0
8.0
7.0
8.0
6.0
5.0
6.0
4.0
4.0
3.0
2.0
2.0
1.0
A-12
M-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
A-12
M-12
M-12
E-12
S-11
D-11
J-11
M-11
D-10
J-10
S-10
M-10
S-09
D-09
J-09
M-09
D-08
S-08
J-08
M-08
S-07
0.0
D-07
0.0
BDI

MM RD$
% Total
Total
120
100
2.50E+00
35.0
2.00E+00
30.0
Banco
25.0
80
1.50E+00
20.0
60
1.00E+00
15.0
40
5.00E-01
20
10.0
5.0
Total
Banco
3.5
Banco
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
M12
A12
M10
E12
D09
S11
S09
-1
1
J09
M09
S10
0.0
-1
0
0.5
1.0
S09
1.5
S08
M
-0
9
2.0
-0
8
2.5
3.0
S07
84.0
82.0
80.0
78.0
76.0
74.0
72.0
70.0
68.0
66.0
M-12
A-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
J-09
M-09
S-08
D-08
J-08
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2

Total
M-08
0.0
S-07
0.00E+00
D-07
BDI

Total
Total
Banco
Banco
16.0
25.0
14.0
20.0
12.0
10.0
15.0
8.0
6.0
10.0
4.0
5.0
2.0
0.0
0.0
M09
J09
S09
D09
M10
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
S-10 D-10 M11
M12

Total
J-11 S-11 D-11 E-12 M- A-12 M12

12

Bruto
Banco
16.0
Total
Banco
90.0
14.0
80.0
12.0
70.0
10.0
60.0
8.0
50.0
6.0
40.0
30.0
4.0
20.0
2.0
10.0
0.0
0.0
S-10
D-10 M-11
J-11
S-11
D-11
E-12 M-12 A-12 M-12
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
LopezdeHaro

% Total
Total
78.0
0.9
76.0
0.8
74.0
5000
0.7
72.0
4000
0.6
70.0
0.5
68.0
3000
0.4
66.0
2000
0.3
64.0
2
A
A12
-1
E12
S11
1
M
-1
S10
E12
Banco
Total
80.0
Banco
20.0
10.0
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
M
S08
-0
8
0.0
S11
30.0
S10
M
-1
1
40.0
S09
M
-1
0
50.0
S08
M
-0
9
60.0
S07
M
-0
8
18.0
16.0
14.0
12.0
10.0
8.0
6.0
4.0
2.0
0.0
70.0
S07
M
-1

Total
56.0
S09
J11
D11
M
-1
2
M
-1
2
58.0
9
0
J07
D07
J08
D08
J09
D09
J10
D10
D06
60.0
M
-0
0.1
S08
1000
Banco
62.0
S07
0.2
6000
M
-0
MM RD$
7000
LopezdeHaro
Total

Banco
Total
40.0
Banco
2.0
35.0
30.0
1.5
25.0
1.0
20.0
15.0
0.5
10.0
5.0
A
-1
2
A
2
E1
E12
1
S1
M
-1
0
S1
M
-1
9
S0
-0.5

Total
M
-0
8
S0
M
-0
S0
M-12
A-12
E-12
M-12
S-11
D-11
J-11
D-10
M-11
J-10
S-10
D-09
M-10
S-09
J-09
M-09
S-08
D-08
J-08
M-08
D-07
S-07
0.0
0.0
Banco
Total
4.5
Banco
2.0
1.8
4.0
1.6
1.4
3.5
3.0
2
-1
S11
1
M
-1
S10
0
M
-1
S09
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
J-10
S-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
M
-0
0.2
0.0
S08
0.4
0.5
M
-0
1.0
S07
1.5
1.0
0.8
0.6
2.0
1.2
2.5
LopezdeHaro
74.0
0.8
5000
0.7
4000
0.6
0.5
3000
0.4
2000
0.3
0.2
1000
S07
M
-0
8
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2

MM RD$
% Total
Total
700
1.2
600
Banco
18.0
16.0
14.0
500
0.8
400
0.6
300
0.4
200
12.0
10.0
8.0
6.0
0.2
100
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
J08
D08
0
J07
D07
0
D06
A12
6000
E12
0.1
92.0
90.0
88.0
86.0
84.0
82.0
80.0
78.0
76.0
0.9
Banco
S09
M
-1
0
Total
S11
% Total
S08
M
-0
9
MM RD$
7000
S10
M
-1
1
4.0
2.0
0.0
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12
LopezdeHaro

Total
Banco
Total
4.5
Banco
16.0
4.0
14.0
3.5
12.0
3.0
10.0
2.5
2.0
8.0
1.5
6.0
1.0
4.0
0.5
2.0
0.0
M-12
A-12
E-12
M-12
D-11
J-11
S-11
D-10
M-11
J-10
S-10
M-10
D-09
J-09
S-09
M-09
S-08
D-08
J-08
M-08
S-07
D-07
-1
2
A
2
E1
1
S1
M
-1
1
0
S1
M
-1
0
9
S0
M
-0
9
8
S0
M
-0
8
S0
0.0
LopezdeHaro
MM RD$
% Total
5000
Total
1.2
4500
4000
3500
0.8
3000
Banco
100.0
99.0
98.0
97.0
96.0
2500
0.6
2000
1500
0.4
1000
0.2
95.0
94.0
93.0
91.0
3.5
3.5
3.0
3.0
2.5
2.5
2.0
2.0
1.5
1.5
1.0
1.0
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0
9
M
S08
-0
8
0.0
A-12
M-12
M-12
E-12
S-11
D-11
J-11
D-10
M-11
J-10
S-10
M-10
S-09
Banco
0.5
S07
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
D-09
Total
4.0
0.0
J-09
D-08
Banco
4.0
0.5
M-09
J-08
S-08
Total
M-08
90.0
S-07
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
92.0
D-07
500
LopezdeHaro
Total
MM RD$

Total
% Total
90
7.0
6.0
5.0
80
70
60
50
0
40
Banco
4.0
3.0
30
2.0
20
0
10
1.0

MM RD$
% Total
0.35
50
0.3
0.25
Total
Banco
2.0
1.5
0.2
1.0
30
0.15
0.05
A12
E12
S11
-1
1
M
S10
-1
0
M
S09
-0.5
-0
9
0.0
S08
-0
8
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
0.5
10
0.1
S07
20
A-12
M-12
E-12
M-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
60
40
J-09
D-08
M-09
S-08
J-08
D-07
M-08
S-07
0.0
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
LopezdeHaro
% Total
Total
Total
-1
2
A
7
S0

Costo
D06
J07
D07
J08
D08
J09
D09
J10
D10
J11
D11
M
-1
2
M
-1
2
E1
0.2
200
0.4
400
S1
600
0.6
M
-1
1
800
S1
0.8
1000
M
-1
0
1200
S0
1.2
1400
M
-0
9
1600
Banco
45.0
40.0
35.0
30.0
25.0
20.0
15.0
10.0
5.0
0.0
8
1.4
S0
1800
M
-0
8
MM RD$

Banco
Total
45.0
Banco
45.0
40.0
40.0
35.0
35.0
30.0
30.0
25.0
25.0
20.0
2
-1
A
E12
S11
1
M
-1
S10
0
M
-1
S09
9
M
-0
S08
M
-0
S07
A-12
M-12
E-12
M-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
D-09
M-10
S-09
J-09
M-09
0.0
S-08
0.0
D-08
5.0
J-08
5.0
D-07
10.0
M-08
10.0
S-07
15.0
20.0
15.0
LopezdeHaro
Costo
Total
Banco
100.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
M-12
A-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
D-08
S-08
J-08
M-08
D-07
S-07
0.0
LopezdeHaro

MM RD$
% Total
400
0.9
350
0.8
300
0.7
Total
Banco
60.0
50.0
0.6
250
0.5
40.0
0.4
30.0
200
150
0.3
2
-1
A
E12
S11
1
M
-1
S10
S09
M
-1
Banco
2
-1
A
0.0
E12
0.0
S11
10.0
10.0
M
-1
20.0
S10
20.0
30.0
M
-1
30.0
S09
40.0
40.0
S07
50.0
S07
D
-0
M 7
-0
8
J08
S08
D
-0
M 8
-0
9
J09
S09
D
-0
M 9
-1
0
J10
S10
D
-1
M 0
-1
1
J11
S11
D
-1
1
E12
M
-1
2
A
-1
M 2
-1
2
50.0
M
-0
60.0
Total
60.0
S08
Banco
M
-0

Admtivos

Total
S08
0.0
8
J11
D11
M
-1
2
M
-1
2
J10
D10
J09
D09
J08
D08
0
J07
D07
D06
10.0
M
-0
0.1
50
20.0
M
-0
0.2
S07
100
LopezdeHaro
Total

Total
Banco
Banco
12.0
100.0
90.0
10.0
80.0
70.0
8.0
60.0
6.0
50.0
40.0
4.0
30.0
2.0
20.0
10.0

Costo
Total
Banco
E1
-1
2
A-12
M-12
M-12
E-12
D-11
S-11
J-11
M-11
D-10
S-10
J-10
M-10
D-09
S-09
J-09
M-09
A-12
M-12
M-12
E-12
S-11
D-11
J-11
M-11
D-10
J-10
0.0
S-10
0.0
M-10
2.0
S-09
2.0
D-09
4.0
J-09
4.0
M-09
6.0
D-08
6.0
S-08
8.0
J-08
8.0
M-08
10.0
S-07
Banco
12.0
10.0
D-07
S1

+ Oblig. Con Costo)
D-08
Total
12.0
M
-1
1
M12
A12
S1
M12
M
-1
0
E12
D11
S0
S11
M
-0
9
J11
M11
S-08
D10
S0
S10
J-08
J10
M-08
M10
M
-0
8
D09
D-07
S09
S-07
J09
S0
M09
0.0
0.0
LopezdeHaro

MM RD$
% Total
Total
50
2.5
35.0
30.0
Banco
45
40
35
25.0
30
1.5
20.0
25
20
15
10
0.5
10.0
5.0
Total
Banco
3.5
Banco
0.0
M09
J09
S09
D09
M10
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
M12
A12
0.5
E12
1.0
S11
1.5
S10
M
-1
1
2.0
S09
M
-1
0
2.5
S08
M
-0
9
3.0
S07
M
-0
8
100.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
M-12
A-12
M-12
E-12
D-11
J-11
S-11
M-11
S-10
D-10
J-10
M-10
S-09
D-09
J-09
M-09
S-08
D-08
J-08

Total
M-08
0.0
S-07
J11
D11
M
-1
2
M
-1
2
J09
D09
J10
D10
0
J07
D07
J08
D08
D-07
D06
15.0
LopezdeHaro

Total
Total
Banco
Banco
16.0
25.0
14.0
20.0
12.0
10.0
15.0
8.0
6.0
10.0
4.0
5.0
2.0
0.0
0.0
M09
J09
S09
D09
M10
J10
S10
D10
M11
J11
S11
D11
E12
M12
A12
S-10 D-10 M11
M12

Total
J-11 S-11 D-11 E-12 M- A-12 M12

12

Bruto
Banco
16.0
Total
Banco
100.0
14.0
90.0
12.0
80.0
10.0
70.0
60.0
8.0
50.0
6.0
40.0
4.0
30.0
20.0
2.0
10.0
0.0
0.0
S-10
D-10 M-11
J-11
S-11
D-11
E-12 M-12 A-12 M-12
S-10
D-10
M -11
J-11
S-11
D-11
E-12
M -12
A-12
M -12

Indicadores Financieros Bancos: Santa Cruz, BDI, CARIBE y Lopez de Haro

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Indicadores Financieros Bancos: Santa Cruz, BDI, CARIBE y Lopez de Haro

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INDICADORES FINANCIEROS

INDICADORES ESTRUCTURA DE ACTIVOS

Activos del Banco y Participacin en Total

Total Inversiones/Activos Netos

Total Cartera de Crditos/Activos Netos

Bienes Recibidos en Recuperacin de

Activos Fijos Brutos/Activos Brutos

Otros Activos/Activos Netos

INDICADORES ESTRUCTURA DE PASIVOS

Pasivos del Banco y Participacin en Total

Indice de Solvencia (Preliminar)

Patrimonio Neto del Banco y % del Total

Otros Pasivos/(Pasivos + Patrimonio)

INDICADORES CARTERA DE PRESTAMOS

Cartera Vencida/Cartera Bruta

Cartera Cobranza Judicial/Cartera Bruta

Cartera Vigente/Cartera Bruta

Provisin Cartera Crdito/Cartera Bruta

Bienes Recibidos Recuperacin Crdito por Banco y su

Bienes Recibidos Rec. Crdito/Activos

Disponibilidades/Total Captaciones + Oblig. Con

Disponib.+ Inversiones en Depsitos y

ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS

Gastos Generales y Administrativos y % Total

Otros Gastos generales/Total Gastos grales. y

Total Gastos grales. y Admtivos/Total Gastos

Total Gastos grales. y Admtivos/Total Captaciones

Gastos Financieros/Total Captaciones + Oblig. Con

Total Gastos grales. y Admtivos /Total Captaciones

Resultados despus de Impto y % en el Total

Activos Productivos/Total Pasivos

Rentabilidad de los Activos

Ingresos Financieros/ Activos Productivos

S-10 D-10 M11

Margen Intermediacin Neto (MIN) / Activos Productivos

J-11 S-11 D-11 E-12 M- A-12 M12

Margen Intermediacin Neto (MIN)/Margen Operacional

E-12 M-12 A-12 M-12

INDICADORES ESTRUCTURA DE ACTIVOS

Activos del Banco y Participacin en Total

Total Inversiones/Activos Netos

Total Cartera de Crditos/Activos Netos

Activos Fijos Brutos/Activos Brutos

Bienes Recibidos en Recuperacin de

Otros Activos/Activos Netos

INDICADORES ESTRUCTURA DE PASIVOS

Pasivos del Banco y Participacin en Total

Indice de Solvencia (Preliminar)

Patrimonio Neto del Banco y % del Total

Otros Pasivos/(Pasivos + Patrimonio)

INDICADORES CARTERA DE PRESTAMOS

Cartera Vencida/Cartera Bruta

Cartera Cobranza Judicial/Cartera Bruta

Cartera Vigente/Cartera Bruta

Provisin Cartera Crdito/Cartera Bruta

Bienes Recibidos Recuperacin Crdito por Banco y su

Bienes Recibidos Rec. Crdito/Activos

Disponibilidades/Total Captaciones + Oblig. Con

Disponib.+ Inversiones en Depsitos y

ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS

Gastos Generales y Administrativos y % Total

Otros Gastos generales/Total Gastos grales. y

Total Gastos grales. y Admtivos/Total Gastos

Total Gastos grales. y Admtivos/Total Captaciones