| CALIDAD DE ACTIVOS |
Dec-04 |
Mar-05 |
Jun-05 |
Sep-05 |
Dec-05 |
| |
|
|
|
|
|
| Morosidad Bruta Total |
5.2% |
5.8% |
4.8% |
4.7% |
3.3% |
| Morosidad Cartera Comercial |
6.6% |
7.2% |
5.8% |
5.6% |
4.0% |
| Morosidad Cartera Consumo |
2.9% |
4.2% |
3.7% |
3.8% |
2.4% |
| Morosidad Cartera Vivienda |
2.1% |
2.4% |
2.3% |
1.9% |
1.6% |
| Morosidad Cartera de Microempresa |
2.7% |
3.6% |
3.4% |
3.9% |
3.2% |
| Provisiones / Cartera Improductiva |
125.7% |
117.1% |
132.2% |
136.7% |
184.0% |
| |
|
|
|
|
|
| MANEJO ADMINISTRATIVO |
|
|
|
|
|
| Activos productivos / pasivos con costo |
129.0% |
131.8% |
129.7% |
131.3% |
135.4% |
| Gastos operacionales / Margen Financiero e Ingresos Operacionales ajustados |
74.9% |
69.6% |
67.6% |
65.9% |
67.2% |
| Gastos de Personal / Activo Total Promedio |
3.0% |
2.9% |
2.8% |
2.8% |
2.8% |
| Gastos Operativos / Activo Total Promedio |
8.4% |
8.1% |
8.1% |
8.0% |
8.2% |
| |
|
|
|
|
|
| RENTABILIDAD |
|
|
|
|
|
| Rendimiento sobre Patrimonio - ROE (*) |
17.7% |
11.2% |
17.1% |
20.0% |
17.1% |
| Rendimiento Operativo sobre Activo - ROA (*) |
1.3% |
0.9% |
1.4% |
1.6% |
1.3% |
| |
|
|
|
|
|
| CAPITAL |
|
|
|
|
|
| Cobertura Patrimonial de Activos Improductivos |
86.0% |
84.5% |
95.7% |
105.1% |
123.4% |
| |
|
|
|
|
|
| PATRIMONIO TECNICO |
|
|
|
|
|
| Patrimonio tecnico / activos ponderados por riesgo |
11.9% |
11.6% |
11.7% |
11.7% |
11.8% |
| Patrimonio Secundario / Patrimonio Primario |
40.12% |
26.35% |
33.62% |
41.32% |
46.50% |