TOTAL BANCA
Bancos Comerciales
Bancos Microfinancieros
MUTUALES
COOP
FFP
TOTAL ASOFIN
IFD
TOTAL IMF
ASOFIN+COOP+MUT
TOTAL FFPS+MUT+COOP
TOTAL EIF REG Y NO REG
Numero de clientes
Bancos Comerciales
Bancos Microfinancieros
FFP
IFD
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
Mar-12
6,813,634
3,733,708
4,131,250
5,336,747
5,511,946
6,692,422
3,094,449
3,406,622
4,084,884
4,201,388
5,070,389
5,113,950
1,699,683
639,259
724,628
1,251,863
1,310,558
1,622,033
268,089
273,660
314,560
326,468
373,257
383,916
330,936
357,444
434,078
443,960
518,904
535,795
665,028
837,531
682,097
717,148
914,655
979,050
1,304,287
1,562,159
1,933,960
2,027,706
2,536,688
2,678,733
149,288
176,102
230,634
241,246
325,966
339,007
1,453,575
1,738,260
2,164,594
2,268,952
2,862,654
3,017,740
1,903,312
2,193,262
2,682,598
2,798,134
3,428,849
3,598,444
1,264,053
1,468,634
1,430,734
1,487,576
1,806,816
1,898,761
5,147,049
5,775,986
6,998,116
7,240,769
8,825,204
9,051,401
Dec-08
121,169
220,785
284,272
304,470
809,527
TOTAL BANCA
Bancos Comerciales
Bancos Microfinancieros
MUTUALES
COOP
FFP
TOTAL ASOFIN
IFD
TOTAL IMF
ASOFIN+COOP+MUT
TOTAL FFPS+MUT+COOP
TOTAL EIF REG Y NO REG
23.6%
21.7%
29.7%
17.6%
20.7%
36.5%
32.1%
40.5%
33.0%
28.6%
27.6%
25.0%
TOTAL BANCA
Bancos Comerciales
Bancos Microfinancieros
MUTUALES
COOP
FFP
TOTAL ASOFIN
IFD
TOTAL IMF
ASOFIN+COOP+MUT
TOTAL FFPS+MUT+COOP
TOTAL EIF REG Y NO REG
397,543
312,173
85,369
5,571
26,508
172,503
257,872
26,813
284,685
289,950
204,581
628,937
TOTAL BANCA
Bancos Comerciales
Bancos Microfinancieros
MUTUALES
10.65%
10.09%
13.35%
2.08%
Dec-09
136,101
231,622
318,727
305,647
855,996
1,301,688
912,562
389,125
57,448
91,835
261,902
651,027
97,761
748,788
800,310
411,185
1,810,632
1,205,497
678,262
527,235
40,900
76,635
(155,434)
371,801
54,532
426,334
489,336
(37,899)
1,222,130
29.18%
19.91%
72.76%
14.95%
Dec-10
194,368
359,630
204,230
352,818
916,678
75%
56%
19%
4%
6%
11%
30%
4%
33%
40%
21%
100%
175,199
116,504
58,695
11,908
9,882
35,051
93,746
10,612
104,359
115,537
56,842
242,653
25.40%
24.13%
29.57%
18.66%
516,060
431,183
84,877
15,530
20,683
49,983
134,860
20,553
155,412
171,072
86,195
622,808
9.36%
10.26%
6.48%
4.76%
Dec-11
221,402
394,053
226,897
402,841
1,023,791
COOP
FFP
TOTAL ASOFIN
IFD
TOTAL IMF
ASOFIN+COOP+MUT
TOTAL FFPS+MUT+COOP
TOTAL EIF REG Y NO REG
8.01%
25.94%
19.77%
17.96%
19.59%
15.23%
16.18%
12.22%
21.44%
-18.56%
23.80%
30.97%
24.53%
22.31%
-2.58%
21.16%
19.54%
34.09%
31.17%
41.33%
32.25%
27.82%
26.29%
26.11%
4.66%
6.97%
6.65%
8.52%
6.85%
6.11%
5.79%
8.60%
1.5%
11.5%
1.6%
10.6%
2.0%
11.3%
0.6%
15.3%
-8%
-6%
-8%
-2%
1.04%
1.07%
0.99%
1.02%
CAP (EMF)
0.15
0.14
0.14
2.53
2.56
3.01
ROA
ROE
Gastos Adm./Cartera Bruta (EMF)
ndice de Mora (EMF)
3.01
Jun-12
6,813,635
5,113,950
1,699,683
383,916
535,795
979,050
2,678,733
339,008
3,017,741
3,598,444
1,898,761
9,051,402
Cifras e Indicadores
BMF
1,700
1,588
182
71
(13)
ROA
2.0%
ROE
26.4%
-10.2%
ndice de Mora
4.4
20.4%
Patrimonio/Activo
8.3%
24%
13%
87%
30%
33%
33%
Bancos Comerciales
Bancos Microfinancieros
FFP
IFD
25.0%
20.0%
15.0%
ROA (EMF)
10.0%
ROE (EMF)
5.0%
ROA (BC)
0.0%
ROE (BC)
5.00
Dic-08 Dic-09 Dic-10 Mar-11 Dic-11
Cobertura de Mora (EMF)
Cobertura de Mora (BC)
ndice de Mora (EMF)
ndice de Mora (BC)
IFD
EMF
Bancos Comerciales
Bancos Microfinancieros
FFP
B. Comerc
979
339
3,018
5,114
1,114
252
2,954
7,944
132
103
417
755
42
22
136
116
(7)
(4)
(24)
(21)
1.8%
3.7%
2.0%
0.4%
19.7%
13.6%
18.3%
5.4%
-11.7%
-15.6%
-9.8%
-2.3%
2.5
2.1
3.0
1.6
24.7%
7.3%
19.1%
41.7%
9.8%
26.9%
10.8%
8.1%
Bancos Comerciales
Bancos Microfinancieros
FFP
IFD
Millones de US$
32%
57%
Bancos Microfinancieros
FFP
Bancos Comerciales
Bancos Microfinancieros
FFP
IFD
39%
39%
IFD
FFP
22%
Bancos Microfinancieros
FFP
IFD
Bancos Microfinancieros
Bancos Comerciales
32%
18%
82%
18%
32%
FFP
1,200
1,000
800
600
400
200
Miles de Clientes de
32%
200
Dic-08
IFD
Bancos Comerciales
Bancos Microfinancieros
FFP
IFD
Dic-09
Dic-10
Mar-11
Dic-11
Bancos Microfinancieros
FFP
IFD
Bancos Comerciales
0%
-4%
-6%
-8%
Gastos
Adm./Cart
era Bruta
(EMF)
Millones de US$
-2%
6000
5000
4000
3000
Gastos
Adm./Cart.
Bruta (BC)
2000
1000
-10%
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
IFD
149,288
176,102
230,634
241,246
325,966
FFP
665,028
837,531
682,097
717,148
914,655
Bancos Microfinancieros
639,259
724,628
1,251,863
1,310,558
1,622,033
3,094,449
3,406,622
4,084,884
4,201,388
5,070,389
Bancos Comerciales
ice de
5.00
-
0.18
0.16
0.14
0.12
0.10
0.08
0.06
0.04
0.02
0.00
CAP (EMF)
CAP (BC)
5,112,695
577,151
543,609
6,100,746
747,059
790,248
6,333,884
1,171,171
682,553
6,504,654
1,220,408
902,727
7,482,286
1,442,301
902,727
7,749,191
1,556,884
982,489
586,949
79,461
87,935
73,888
640,212
97,133
104,035
82,006
633,081
149,431
89,243
92,619
634,320
149,071
122,120
98,814
765,280
183,487
122,120
99,512
754,577
181,798
132,420
103,067
Millones de US$
Bancos Microfinancieros
Bancos Comerciales
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
577,151
747,059
1,171,171
1,220,408
1,442,301
543,609
790,248
682,553
902,727
902,727
5,112,695
6,100,746
6,333,884
6,504,654
7,482,286
Millones de US$
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
IFD
73,888
82,006
92,619
98,814
99,512
FFP
87,935
104,035
89,243
122,120
122,120
Bancos Microfinancieros
79,461
97,133
149,431
149,071
183,487
Bancos Comerciales
586,949
640,212
633,081
634,320
765,280
200
150
100
50
1,200
8,000
7,000
900
6,000
5,000
4,000
600
3,000
2,000
1,000
300
Miles de Clientes
250
mero de Clientes
Dic-11
Miles de Clientes de Ba
50
2,000
1,000
0
Dic-08
Bancos Comerciales
Dic-11
325,966
914,655
1,622,033
5,070,389
Dic-09
Dic-10
Mar-11
Dic-11
Dic-08
527,093
(175,664)
351,430
255,604
(82,105)
524,929
122,505
(186,558)
460,876
(297,196)
163,679
(342,961)
(462,245)
119,283
331,153
432,199
(101,047)
151,870
2,890
154,760
832
155,592
(26,313)
129,279
(4,510)
124,769
Dic-09
550,073
(186,705)
363,369
235,884
(76,455)
522,798
128,163
(172,657)
478,304
(326,888)
151,416
37,617
134
37,483
(35,562)
113
(35,675)
153,471
83
153,554
414
153,967
0
153,967
(9,472)
144,495
Dic-10
541,927
(123,410)
418,518
271,093
(88,660)
600,951
188,029
(256,982)
531,997
(388,576)
143,422
(42,873)
(48,649)
5,775
43,031
48,791
(5,760)
143,579
453
144,033
315
144,348
0
144,348
(12,781)
131,567
Dic-08
Dic-09
Dic-10
7,145,742
8,479,887
9,274,732
824,457
2,272,913
3,565,966
3,319,280
238,849
15,827
13,235
5,376
1,936
72,428
63,779
1,686,990
2,385,350
3,971,768
3,781,893
190,275
13,288
14,079
4,776
288
72,339
51,126
1,595,932
2,022,288
5,184,739
5,075,820
140,433
3,245
18,120
1,044
0
51,012
42,068
2,998
43,534
(211,275)
34,365
17,273
250,576
158,650
21,542
6,479,332
5,689,845
1,407,747
2,063,786
1,409,453
210,332
515,536
82,991
18,003
42,500
496,505
136,502
69,332
7,636
666,410
398,889
21,128
127,433
118,961
(5,808)
124,769
7,145,742
699,749
11,886,194
3,186
38,097
(197,579)
42,285
8,136
204,249
160,689
20,419
7,742,541
6,847,805
1,892,915
2,298,428
1,656,647
223,812
668,036
107,966
11,404
42,850
463,410
153,871
97,540
84,041
737,345
433,405
16,952
152,548
134,440
(10,055)
144,495
8,479,887
765,129
13,337,794
5,004
40,087
(192,096)
51,209
2,703
211,127
173,654
33,080
8,492,221
7,505,054
2,114,328
2,453,164
1,500,357
239,817
1,068,905
128,484
17,440
36,075
440,593
199,393
134,548
20,111
82,775
782,511
482,293
24,109
143,954
132,155
588
131,567
9,274,732
880,835
16,002,583
Rentabilidad
Estructura de Activos
tem
Disponibilidades/Total Activo
Inversiones Temporarias/Total Activo
Cartera / Total Activo
Otras Cuentas por cobrar / Total Activo
Bienes Realizables / Total Activo
Inversiones Permanentes / Total Activo
Bienes de Uso / Total Activo
Otros Activos / Total Activo
ROA
Dic-08
11.54%
31.81%
49.90%
0.48%
0.24%
3.51%
2.22%
0.30%
1.59%
Dic-09
19.89%
28.13%
46.84%
0.50%
0.10%
2.41%
1.89%
0.24%
1.56%
Dic-10
17.21%
21.80%
55.90%
0.55%
0.03%
2.28%
1.87%
0.36%
1.30%
Solvencia
Liquidez
Calidad de Cartera
Eficiencia
Administr Rentabilidad
ativa
ROE
Resultado Neto / Ingresos Financieros
Ingresos Financieros / Activo
Ingresos Financieros / Cartera Bruta
Gasto por prestatario
Gastos Administrativos / Cartera Bruta
Gastos Administrativos / Activo
Cartera Vigente / Cartera Bruta
Cartera Vencida / Cartera Bruta
Cartera en Ejecucin / Cartera Bruta
Gastos por Incobrabilidad/Cartera Bruta
ndice de Mora
Ratio de Cobertura
Disponibilidades / Obligaciones
Activos Lquidos / Obligaciones
Activos Lquidos / Activo
Patrimonio/Activo
CAP
Cartera en Mora
Cartera en Mora- Prev/Patrimonio
18.72%
23.67%
7.38%
14.12%
19.60%
26.27%
6.49%
13.31%
16.81%
24.28%
5.84%
10.15%
-7.96%
-4.16%
95.72%
0.55%
3.73%
-5.00%
4.28%
132.25%
0.14
0.54
0.43
9.33%
-7.91%
-3.85%
96.47%
0.46%
3.07%
-4.18%
3.53%
135.52%
0.25
0.59
0.48
8.70%
-7.28%
-4.19%
97.80%
0.36%
1.84%
-4.82%
2.20%
163.84%
0.21
0.48
0.39
8.44%
23.97%
-7.73%
19.77%
-7.02%
14.98%
-9.56%
Mar-11
138,332
(27,446)
110,887
60,231
(15,981)
155,136
26,881
(41,010)
141,007
(108,727)
32,281
(34,201)
(39,078)
4,876
35,052
39,929
(4,877)
33,131
70
33,201
(101)
33,100
(0)
33,100
(1,971)
31,129
Dic-11
624,786
(113,024)
511,762
275,659
(64,762)
722,660
140,650
(212,538)
650,772
(453,666)
197,106
69,501
(90,405)
21,943
69,501
90,496
(20,995)
198,145
384
198,529
958
199,487
199,487
(29,793)
169,694
Mar-12
186,658
(33,156)
153,502
67,237
(20,476)
200,263
30,161
(52,554)
177,871
(131,087)
46,783
3,963
833
3,130
(3,417)
(671)
(2,746)
47,330
50
47,380
(44)
47,336
47,336
(6,055)
41,281
Jun-12
382,008
(68,410)
313,598
137,191
(44,685)
406,104
90,891
(126,192)
370,804
(275,318)
95,486
1,566
(2,983)
4,550
(1,324)
2,648
(3,972)
95,728
244
95,973
(8,836)
87,137
(0)
87,137
(12,152)
74,985
Mar-11
Dic-11
Mar-12
Jun-12
9,506,514
11,250,327
11,471,133
11,857,449
1,787,237
1,902,295
5,354,677
5,256,729
123,578
3,257
22,926
10,303
0
50,182
39,966
2,308,305
1,916,522
6,534,045
6,475,476
106,247
40
18,939
2,475
0
50,521
33,719
2,095,781
2,220,412
6,646,916
6,587,481
108,683
34
24,172
2,725
5
51,740
33,790
1,735,544
2,494,285
7,094,891
7,034,917
101,492
33
24,264
2,388
0
56,691
33,605
5,004
42,459
(199,728)
54,472
2,145
199,369
176,096
30,222
8,723,122
7,725,062
2,209,585
2,581,160
1,452,956
247,388
1,111,561
128,881
18,534
71,255
112,920
444,396
191,288
139,432
20,236
783,391
492,386
57,484
188,555
44,967
13,838
31,129
9,506,514
864,520
16,531,794
Mar-11
18.80%
20.01%
56.33%
0.57%
0.02%
2.10%
1.85%
0.32%
1.20%
5,004
54,344
(212,721)
67,164
2,105
192,449
200,672
29,063
10,301,560
8,924,587
2,410,712
3,042,863
1,524,121
274,643
1,533,289
138,958
166,823
191,578
471,861
209,169
169,511
104,346
63,685
948,767
599,518
32,377
148,860
168,012
(1,682)
169,694
11,250,327
5,004
58,279
(224,997)
74,642
2,276
186,871
201,338
42,897
10,534,757
9,306,075
2,524,578
3,006,816
1,483,869
288,313
1,857,204
145,296
22,552
203,156
424,248
234,675
181,846
104,659
57,545
936,375
609,999
53,313
213,562
59,502
18,221
41,281
11,471,133
5,009
59,259
(222,765)
66,453
2,107
204,621
211,711
47,836
10,887,370
9,645,715
2,657,390
3,089,557
1,203,199
293,209
2,252,621
149,739
18,310
220,148
438,117
206,360
198,215
104,374
56,133
970,078
645,751
51,430
184,894
88,004
13,020
74,985
11,857,449
1,169,077
19,940,677
1,220,897
20,794,661
1,235,033
21,928,201
Dic-11
20.52%
17.04%
58.08%
0.60%
0.02%
1.71%
1.78%
0.26%
1.37%
Mar-12
18.27%
19.36%
57.94%
0.65%
0.02%
1.63%
1.76%
0.37%
1.30%
Jun-12
14.64%
21.04%
59.83%
0.56%
0.02%
1.73%
1.79%
0.40%
1.15%
15.89%
22.50%
5.82%
10.04%
17.89%
27.16%
5.55%
9.34%
17.63%
22.12%
6.51%
10.96%
15.46%
19.63%
6.44%
10.53%
-7.89%
-4.57%
97.67%
0.60%
1.73%
-2.98%
2.33%
155.57%
0.23
0.48
0.39
8.24%
-6.78%
-4.03%
98.35%
0.32%
1.33%
-3.18%
1.65%
192.23%
0.26
0.47
0.38
8.43%
-7.70%
-4.57%
98.28%
0.39%
1.33%
-3.09%
1.72%
191.59%
0.23
0.46
0.38
8.16%
-7.59%
-4.64%
98.32%
0.37%
1.31%
-3.48%
1.68%
182.66%
0.18
0.44
0.36
8.18%
16.39%
-9.11%
11.66%
-10.76%
12.54%
-11.49%
12.57%
-10.39%
Dec-08
7,145,742
3,733,708
5,689,845
666,410
527,093
-175,664
-34,573
12,734
3,940
Dec-09
554,696
372,804
403,122
58,579
69,242
-24,742
-36,710
7,702
7,711
Dec-10
547,711
392,281
391,373
59,875
64,290
-14,877
-38,121
8,020
8,012
1.00%
2.03
-7.29%
0.83%
7.74%
21%
0.33
14.07%
0.85%
2.27
-6.58%
1.38%
13.16%
26%
0.36
13.51%
0.86%
3.48
-6.92%
1.45%
13.38%
25%
0.35
13.04%
Sep-11
560,008
433,563
399,593
66,320
45,660
-11,127
-31,381
9,189
9,072
0.84%
3.16
-7.44%
2.15%
18.29%
19%
0.27
13.10%
Dic-08
115,436
(34,779)
80,657
21,601
(2,454)
99,805
9,943
(19,544)
90,204
(72,679)
17,525
(29,486)
(30,616)
1,129
27,285
29,082
(1,797)
15,323
5
15,329
75
(93)
15,310
(3,605)
11,705
(2,563)
9,142
Dic-09
93,575
(30,664)
62,911
15,927
(2,569)
76,268
6,930
(14,735)
68,462
(59,767)
8,695
309
33
276
(173)
(7)
(167)
8,830
178
(1)
9,008
66
(133)
8,941
0
8,941
(1,226)
7,715
Dic-10
113,852
(22,409)
91,443
17,520
(2,406)
106,557
10,532
(27,152)
89,938
(70,594)
19,344
(1,463)
(1,476)
13
1,455
1,463
(8)
19,336
60
19,396
76
(207)
19,266
19,266
(2,869)
16,397
Dic-08
Activo
853,689
1,162,166
925,787
81,579
77,011
658,787
656,202
4,113
3,673
254
1,575
287
181,867
110,860
827,231
824,272
4,476
5,353
350
2,809
271
140,307
68,957
673,796
670,730
3,305
4,504
216
3,076
265
Disponibilidades
Inversiones Temporarias
Cartera
Cartera vigente
Cartera reprogramada o reestr vigente
Cartera vencida
Cartera reprogramada o reestr vencida
Cartera en ejecucion
Cartera reprogramada o reestr en ejecu
Dic-09
Dic-10
Productos devengados
Previsin cartera incobrable
Pasivo
10,029
(17,347)
5,869
49
5,104
21,700
3,591
12,312
(22,611)
10,223
4
4,086
21,819
6,076
10,889
(19,190)
6,765
1
8,168
18,082
9,711
765,754
1,058,131
836,544
543,609
4,825
206,675
307,863
12,053
4,662
7,530
6,083
183,814
21,611
9,479
1,158
-
790,248
6,616
319,368
365,718
12,069
75,019
11,458
7,528
197,265
24,422
16,713
8,179
13,776
682,553
10,489
263,008
310,994
8,510
79,361
10,191
3,258
94,374
17,830
17,196
7,185
14,149
Patrimonio
87,935
104,035
89,243
49,022
20,792
9,090
9,032
76,681
1,490
11,900
13,964
56,449
6,138
5,114
21,541
Capital Social
Aportes no Capitalizados
Ajuste Global del Patrimonio
Reservas
Resultados Acumulados
Utilidades acumuladas
Utilidades del periodo o gestion
34
(299)
5,144
8,998
14,264
16,397
853,689
8,982
1,600,740
1,162,166
11,300
1,477,703
925,787
16,784
1,867,520
Dic-08
9.6%
9.0%
77.2%
0.7%
0.0%
0.6%
2.5%
0.4%
#VALUE!
Dic-09
15.6%
9.5%
71.2%
0.9%
0.0%
0.4%
1.9%
0.5%
0.7%
Dic-10
15.2%
7.4%
72.8%
0.7%
0.0%
0.9%
2.0%
1.0%
1.7%
ROE
Margen Neto
Margen Operativo
Ingresos Financieros / Activo
Ingresos Financieros / Cartera Bruta
Gastos Administrativos / Cartera Bruta
Gastos Administrativos / Activo
Cartera Vigente / Cartera Bruta
Cartera Vencida / Cartera Bruta
Cartera en Ejecucin / Cartera Bruta
Gastos por Incobrabilidad/Cartera Bruta
ndice de Mora
Ratio de Cobertura
Disponibilidades / Obligaciones
Disp + Inv Temporarias / Obligaciones
Activos Liquidos / Activo
Patrimonio/Activo
CAP
Obligaciones Financieras/Patrimonio
Cartera Vencida+Ejecucin- Prev/Patrimonio
#VALUE!
7.9%
15.2%
#VALUE!
#VALUE!
#VALUE!
#VALUE!
99.1%
0.6%
0.3%
#VALUE!
0.9%
299.6%
11.1%
29.2%
18.6%
10.3%
12.5%
834.1%
13.1%
666,104
Disp/Oblig a Corto Plazo
Disp+InvTemp/Oblig a Corto Plazo
Disp+InvTemp/Activos
Activos Liquidos
40%
97%
21%
158,589
8.0%
8.2%
9.3%
8.1%
12.4%
-7.1%
-5.1%
99.0%
0.7%
0.4%
-1.8%
1.0%
257.4%
18.3%
37.0%
25.2%
9.0%
12.2%
956.4%
13.3%
837,531
57%
106%
25%
292,727
17.0%
14.4%
17.0%
12.3%
15.0%
-10.3%
-7.6%
98.8%
0.7%
0.5%
-4.0%
1.2%
238.0%
18.0%
30.7%
22.6%
9.6%
11.5%
874.2%
12.5%
682,097
49%
98%
21%
209,265
Mar-11
32,242
(5,340)
26,902
4,549
(631)
30,821
4,087
(6,895)
28,013
(21,857)
6,155
(1,795)
(1,813)
18
1,817
1,823
(6)
6,177
8
6,186
16
(101)
6,101
6,101
(367)
5,734
Mar-11
Dic-11
144,829
(22,606)
122,223
19,679
(2,951)
138,950
21,347
(35,703)
124,594
(93,199)
31,395
(3,426)
(3,574)
148
3,540
3,579
(39)
31,509
37
31,545
807
(203)
32,149
0
32,149
(4,590)
27,559
Dic-11
Mar-12
42,408
(7,324)
35,084
5,108
(833)
39,359
5,426
(9,341)
35,444
(28,685)
6,759
36
1
35
(6)
0
(6)
6,789
0
6,789
18
(60)
6,746
0
6,746
(489)
6,257
Mar-12
Jun-12
88,032
(15,576)
72,457
11,060
(1,829)
81,688
12,082
(23,917)
69,853
(58,460)
11,393
46
1
45
(10)
(0)
(10)
11,430
0
11,430
135
(144)
11,421
11,421
(0)
11,421
Jun-12
1,235,505
1,235,505
1,345,218
1,439,524
211,591
73,223
901,936
902,167
2,763
4,424
240
4,658
403
211,591
73,223
901,936
902,167
2,763
4,424
240
4,658
403
252,424
80,437
965,185
964,976
2,625
5,589
311
5,085
463
222,238
118,838
1,049,349
1,052,181
2,733
7,057
242
5,473
514
1.13113621
14,033
(26,752)
12,410
1
6,618
21,573
8,153
14,753
(28,618)
12,476
1
5,700
22,080
6,916
15,172
(34,023)
11,559
25
6,660
23,209
7,646
1,113,385
1,113,385
1,212,798
1,317,915
902,727
23,130
347,348
291,704
22,231
200,654
17,659
16,629
112,338
24,115
22,427
6,085
11,002
18,061
902,727
23,130
347,348
291,704
22,231
200,654
17,659
16,629
112,338
24,115
22,427
6,085
11,002
18,061
982,489
33,363
346,087
284,208
19,147
279,092
20,592
862
130,445
25,047
24,033
6,026
11,043
32,853
1,107,078
36,519
369,080
321,914
18,506
337,822
23,238
703
120,980
28,355
26,087
6,097
13,920
14,695
122,120
122,120
132,420
121,609
72,573
5,453
7,139
36,955
72,573
5,453
7,139
36,955
72,573
11,918
12,828
35,102
74,994
13,375
13,623
19,617
9,396
9,396
28,845
8,196
27,559
27,559
6,257
11,421
1,235,505
21,457
1,934,815
1,235,505
21,457
-
1,345,218
20,483
2,313,453
1,439,524
21,264
2,513,166
Millones de US$
14,033
(26,752)
12,410
1
6,618
21,573
8,153
400
300
200
100
Dic-08 Dic-09 Dic-10 Mar-11
Disponibilidades
Inversiones Temporaria
90%
Dic-11
17.1%
5.9%
73.0%
1.0%
0.0%
0.5%
1.7%
0.7%
2.2%
Mar-12
18.8%
6.0%
71.7%
0.9%
0.0%
0.4%
1.6%
0.5%
1.8%
Jun-12
15.4%
8.3%
72.9%
0.8%
0.0%
0.5%
1.6%
0.5%
1.6%
70%
60%
50%
40%
30%
20%
10%
0%
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
1.4%
1.2%
ndice de Mora
Mar-11
17.1%
5.9%
73.0%
1.0%
0.0%
0.5%
1.7%
0.7%
1.8%
Cartera/Total Activo
80%
1.0%
914,655
0%
0%
0%
26.1%
19.0%
21.7%
11.7%
18.1%
-10.2%
-7.5%
98.9%
0.5%
0.6%
-3.9%
1.1%
275.1%
20.5%
31.6%
23.1%
9.9%
11.6%
844.8%
13.9%
914,655
56%
90%
21%
19.7%
14.8%
15.9%
12.6%
17.9%
-11.7%
-8.5%
98.8%
0.6%
0.6%
-3.8%
1.2%
250.0%
22.7%
33.9%
24.7%
9.8%
12.8%
841.1%
13.0%
979,050
156%
190%
121%
20.5%
13.0%
12.9%
12.2%
19.2%
-10.9%
-8.1%
98.8%
0.7%
0.6%
-4.5%
1.2%
256.1%
18.1%
30.8%
23.7%
8.4%
11.5%
1010.4%
17.1%
1,068,200
1.0%
0.8%
0.6%
0.4%
0.2%
0.0%
Dic-08 Dic-09 Dic-10 Mar-11 Dic-11
Activos Liq/Activos
18.8%
17.8%
19.1%
10.4%
14.1%
-9.6%
-7.1%
98.9%
0.5%
0.6%
-3.0%
1.1%
275.1%
20.5%
31.6%
23.1%
9.9%
12.2%
844.8%
13.9%
ndice de Mora
1.2%
ndice de Mora
Ratio de Cober
Activos Liquidos
Activos Liquidos / Ac
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
15.0%
10.0%
5.0%
284,814
284,814
332,861
0.0%
Dic-08
CAP
Dic-09
Dic-10 Mar-11
Dic-08
Activo Total
853,689
Cartera Bruta
666,104
Depsitos del Pblico 543,609
Patrimonio
87,935
Ingresos Financieros 115,436
Gastos Financieros
(34,779)
Gastos Administrativos(72,679)
Utilidad Operativa
17,525
Utilidad Neta
9,142
1.07
Dic-09
1,162,166
837,531
790,248
104,035
93,575
(30,664)
(59,767)
8,695
7,715
Dic-10
925,787
682,097
682,553
89,243
113,852
(22,409)
(70,594)
19,344
16,397
Mar-11
1,235,505
914,655
902,727
122,120
32,242
(5,340)
(21,857)
6,155
5,734
Jun-11
1,025,956
767,131
758,535
101,612
67,090
(10,667)
(45,445)
13,557
12,694
Sep-11
1,098,427
828,041
811,051
111,448
104,416
(16,378)
(69,491)
21,631
20,424
1,200
1,000
800
600
400
200
Mar-12 Jun-12
0.0%
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
Mar-12
Jun-12
-2.0%
-4.0%
-6.0%
-8.0%
-10.0%
-12.0%
-14.0%
Series2
350%
300%
250%
30.0%
atiode Cobertura
Dic-11
Inversiones Temporarias
20.0%
250%
200%
150%
100%
50%
Ratiode Cobertura
300%
20.0%
10.0%
0.0%
Dic-08
Margen Neto
0%
Margen Operativo
Activos Liquidos en
Millones de US$
Ratio de Cobertura
350
300
250
200
150
100
50
-
Dic-09
30.0%
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
ra Vencida+Ejecucin- Prev/Patrimonio
ROE
Dic-11
1,235,505
914,655
902,727
122,120
144,829
(22,606)
(93,199)
31,395
27,559
Mar-12
1,345,218
979,050
982,489
132,420
42,408
(7,324)
(28,685)
6,759
6,257
Dic-08
40,136
(12,118)
28,018
5,317
(2,028)
31,306
5,091
(5,788)
30,609
(17,792)
12,817
(18,960)
(13,208)
(5,752)
16,766
11,190
5,575
10,622
(5)
Dic-09
37,890
(11,358)
26,532
7,106
(2,281)
31,357
2,369
(5,875)
27,851
(19,203)
8,648
3,412
76
3,336
(3,369)
(203)
(3,165)
8,691
11
Dic-10
28,868
(4,301)
24,567
7,951
(2,168)
30,350
4,684
(6,353)
28,681
(19,621)
9,060
(551)
(146)
(406)
210
(100)
310
8,719
5
10,617
1,150
11,767
(5,427)
6,340
(343)
8,702
228
8,930
8,930
(1,319)
8,723
256
8,980
8
8,987
(1,469)
5,998
7,611
7,518
Dic-08
Dic-09
Dic-10
Activo
531,295
584,849
574,405
19,895
99,137
39,533
152,179
24,650
91,481
247,139
248,586
6,029
1,253
115
10,778
256,347
257,429
4,924
1,236
170
8,747
295,381
299,912
3,844
1,071
80
8,564
1,328
1,153
1,089
Disponibilidades
Inversiones Temporarias
Cartera
Cartera vigente
Cartera reprogramada vigente
Cartera reestructurada vigente
Cartera vencida
Cartera reprogramada vencida
Cartera reestructurada vencida
Cartera en ejecucion
Cartera reprogramada en ejecucin
Pasivo
1,214
(18,318)
4,892
283
153,568
6,037
344
1,034
(18,347)
1,948
205
127,988
6,312
338
1,014
(20,193)
2,211
486
152,352
7,454
390
443,048
489,121
470,718
409,479
407
259,030
145,355
2,662
2,024
193
11,970
6,079
13,621
1,707
-
454,237
380
290,274
158,994
2,756
1,833
261
9,761
7,233
16,479
1,150
427,487
400
290,973
132,721
2,575
817
301
17,167
7,896
17,268
600
Patrimonio
88,247
95,728
103,687
Capital Social
Aportes no Capitalizados
Ajuste Global del Patrimonio
Reservas
Resultados Acumulados
Utilidades acumuladas
Utilidades del periodo o gestion
435
5,256
76,288
6,269
271
5,998
422
5,274
82,457
7,575
(36)
7,611
531,295
163
971,042
584,849
253
951,646
Dic-08
3.74%
18.66%
46.52%
0.92%
0.05%
28.90%
1.14%
0.06%
1.1%
Dic-09
6.76%
26.02%
43.83%
0.33%
0.03%
21.88%
1.08%
0.06%
1.3%
420
5,335
90,528
7,404
(114)
7,518
574,405
502
1,003,406
Dic-10
4.29%
15.93%
51.42%
0.38%
0.08%
26.52%
1.30%
0.07%
1.3%
ROE
Resultado Neto / Ingresos Financieros
Ingresos Financieros / Activo
Ingresos Financieros / Cartera Bruta
Gasto por prestatario
Gastos Administrativos / Cartera Bruta
Gastos Administrativos / Activo
Cartera Vigente / Cartera Bruta
Cartera Vencida / Cartera Bruta
Cartera en Ejecucin / Cartera Bruta
Gastos por Incobrabilidad/Cartera Bruta
ndice de Mora
Ratio de Cobertura
Disponibilidades / Obligaciones
Disp + Inv Temporarias / Obligaciones
Disp + Inv Temporarias / Activo
Patrimonio/Activo
CAP
Cartera en Mora/Patrimonio
Cartera Vencida+Ejecucin- Prev/Patrimonio
7%
14.94%
7.55%
14.97%
8%
20.09%
6.48%
13.85%
7%
26.04%
5.03%
9.18%
-6.64%
-3.35%
94.97%
0.51%
4.52%
-2.16%
5%
136%
0.05
0.28
0.22
16.61%
47%
15%
-5.49%
-7.02%
-3.28%
95.87%
0.51%
3.62%
-2.15%
4%
162%
0.09
0.42
0.33
16.37%
43%
12%
-7.35%
-6.24%
-3.42%
96.57%
0.37%
3.07%
-2.02%
3%
187%
0.06
0.27
0.20
18.05%
41%
10%
-9.06%
Mar-11
6,772
(988)
5,783
1,740
(489)
7,035
1,149
(1,044)
7,140
(4,956)
2,184
(1,350)
(820)
(530)
1,119
734
385
1,954
1
Dic-11
30,606
(4,245)
26,362
7,881
(2,177)
32,066
6,175
(7,085)
31,155
(22,148)
9,007
(2,587)
(1,643)
(943)
2,113
1,478
634
8,534
11
Mar-12
7,661
(1,395)
6,266
2,208
(422)
8,052
741
(870)
7,923
(5,471)
2,451
18
8
9
(0)
(0)
(0)
2,469
4
Jun-12
15,458
(2,840)
12,617
4,271
(869)
16,019
1,823
(2,194)
15,649
(11,267)
4,382
30
8
22
(0)
(0)
(0)
4,411
5
1,954
(184)
1,771
1,771
(29)
8,545
175
8,720
8,720
(314)
2,473
(40)
2,432
2,432
(6)
4,416
19
4,435
4,435
(127)
1,742
Mar-11
8,406
Dic-11
2,426
Mar-12
4,309
Jun-12
565,881
579,446
592,567
596,884
27,090
80,854
43,139
63,632
50,045
68,264
44,492
80,679
307,633
311,055
3,824
4
1,934
107
8,470
355,659
360,110
3,465
4
1,226
46
7,364
366,459
369,981
3,232
4
2,252
139
7,244
374,965
378,951
3,103
2,024
123
7,257
1,075
1,042
1,064
1,061
1,206
(18,804)
1,516
230
106,361
8,452
457
1,287
(18,743)
1,395
177
97,329
8,457
441
1,254
(18,807)
1,369
130
86,378
8,401
471
459,939
466,576
477,413
479,840
426,936
230
295,744
127,325
2,824
813
605
6,962
8,036
16,796
604
432,323
134
303,882
123,465
3,853
989
360
9,984
6,459
17,401
50
442,920
137
308,245
130,181
3,309
1,049
614
9,784
6,833
17,212
50
445,696
121
307,276
133,962
3,151
1,186
109
10,054
6,910
17,022
50
-
105,942
112,870
115,154
117,044
425
5,433
105,567
3,729
1,303
2,426
425
5,441
105,805
5,373
1,065
4,309
592,567
583
1,126,205
596,884
710
905,299
423
5,373
97,561
2,585
843
1,742
565,881
508
1,025,007
Mar-11
4.79%
14.29%
54.36%
0.28%
0.05%
24.81%
1.34%
0.08%
1.2%
425
5,425
98,633
8,387
(19)
8,406
579,446
602
1,115,490
Dic-11
7.44%
10.98%
61.38%
0.26%
0.04%
18.36%
1.46%
0.08%
1.4%
Mar-12
8.45%
11.52%
61.84%
0.24%
0.03%
16.42%
1.43%
0.07%
1.6%
Jun-12
7.45%
13.52%
62.82%
0.23%
0.02%
14.47%
1.41%
0.08%
1.4%
6%
ndice de Mora
1,017
(19,852)
1,565
303
140,418
7,555
463
4%
2%
0%
7%
25.73%
4.79%
8.30%
7%
27.47%
5.28%
8.20%
8%
31.67%
5.17%
7.98%
7%
27.87%
5.18%
7.88%
-6.07%
-3.50%
96.45%
0.62%
2.92%
-1.28%
4%
171%
0.06
0.25
0.19
18.72%
-5.93%
-3.82%
97.41%
0.34%
2.25%
-1.90%
3%
194%
0.10
0.25
0.18
19.48%
39%
9%
-8.08%
-5.70%
-3.69%
97.21%
0.62%
2.16%
-0.91%
3%
175%
0.11
0.27
0.20
19.43%
38%
9%
-6.99%
-5.74%
-3.78%
97.33%
0.55%
2.12%
-1.12%
3%
180%
0.10
0.27
0.21
19.61%
38%
9%
-7.13%
0%
ndice de Mora
50%
Ratio de Cobertura
Evolucin de la Solvencia
40%
11%
-7.80%
30%
20%
10%
0%
CAP
Cartera en Mora/Patrimonio
3.43%
186.91%
-6.24%
1.31%
7.25%
0.20
0.27
2.59%
194.27%
-5.93%
1.45%
7.45%
0.18
0.25
43%
41%
39%
100%
0%
ROA
200%
2.0%
10%
1.0%
5%
ROE
Evolucin de la Rentabilidad
300%
Ratio de Cobertura
la Calidad de Cartera
Ratio de Cobertura
0%
0.0%
Ratio de Cobertura
0%
ROA
n de la Solvencia
ROE
Evolucin de la Liquidez
0.50
0.40
0.30
0.20
0.10
Disp + Inv Temporarias / Obligaciones
Cartera en Mora/Patrimonio
Dic-08
50,077
(13,011)
37,066
8,042
(1,719)
43,389
4,800
(8,698)
39,492
(28,585)
10,906
(23,753)
(24,185)
432
20,553
20,724
(171)
7,707
58
(60)
7,704
748
(316)
8,136
(3,473)
4,663
(701)
3,962
Dic-09
93,575
(15,193)
38,126
7,254
(1,626)
43,755
5,640
(9,347)
40,048
(33,073)
6,975
184
49
135
(164)
(88)
(75)
6,995
46
(79)
6,962
372
(308)
7,026
(0)
7,026
(959)
6,067
Dic-08
Dic-09
Activo
435,986
513,692
39,152
57,932
312,004
50,046
96,651
338,267
312,984
340,656
9,120
8,397
Cartera vencida
2,306
2,197
495
345
Cartera en ejecucion
4,041
4,175
1,991
1,674
Disponibilidades
Inversiones Temporarias
Cartera
Cartera vigente
Productos devengados
Previsin cartera incobrable
Pasivo
Obligaciones con el Pblico
Pblico a la vista
2,819
2,941
(21,752)
(22,118)
3,973
218
7,110
14,727
871
2,925
141
8,223
16,175
1,264
364,273
435,472
341,070
406,034
223
400
152,861
186,688
Pblico a plazo
167,804
198,078
16,520
16,708
3,663
4,161
1
2,026
10,860
6,768
3,547
-
99
5,148
12,916
9,659
1,615
-
71,713
78,220
26,065
1,945
38,022
5,681
24,610
2,014
8
44,976
6,613
Pblico restringidas
Pblico a plazo fijo con anotacin en cuenta
Cargos devengados por pagar obligaciones con el pblico
Patrimonio
Capital Social
Aportes no Capitalizados
Ajuste Global del Patrimonio
Reservas
Resultados Acumulados
Utilidades acumuladas
1,680
546
4,001
6,067
435,986
61
624,485
513,692
71
785,154
Dic-08
8.98%
13.29%
71.56%
0.91%
0.05%
1.63%
3.38%
0.20%
0.9%
Dic-09
9.74%
18.81%
65.85%
0.57%
0.03%
1.60%
3.15%
0.25%
1.2%
ROE
Resultado Neto / Ingresos Financieros
Ingresos Financieros / Activo
Ingresos Financieros / Cartera Bruta
Gasto por prestatario
Gastos Administrativos / Cartera Bruta
Gastos Administrativos / Activo
Cartera Vigente / Cartera Bruta
Cartera Vencida / Cartera Bruta
Cartera en Ejecucin / Cartera Bruta
Gastos por Incobrabilidad/Cartera Bruta
ndice de Mora
Ratio de Cobertura
Disponibilidades / Obligaciones
Disp + Inv Temporarias / Obligaciones
Disp + Inv Temporarias / Activo
Patrimonio/Activo
CAP
Cartera en Mora/Patrimonio
Cartera en Mora- Prev por Incob/Patrimonio
6%
7.91%
11.49%
15.13%
8%
6.48%
18.22%
26.18%
-8.64%
-6.56%
97.33%
0.85%
1.82%
-2.63%
3%
246%
0.11
0.28
0.22
16.45%
23%
12%
-42.65%
-9.25%
-6.44%
97.65%
0.71%
1.64%
-2.62%
2%
264%
0.12
0.36
0.29
15.23%
22%
11%
-39.00%
Dic-10
113,852
(13,917)
46,970
6,781
(1,161)
52,590
6,900
(13,021)
46,470
(38,462)
8,008
(1,522)
(1,534)
12
1,423
1,430
(7)
7,909
95
(64)
7,940
602
(581)
7,961
0
7,962
(1,174)
6,787
Mar-11
32,242
(3,270)
12,700
1,329
(245)
13,784
1,285
(3,165)
11,904
(10,351)
1,553
(1,993)
(1,997)
4
1,860
1,861
(1)
1,420
28
(21)
1,427
84
(270)
1,242
(0)
1,241
(145)
1,096
Dic-11
144,829
(13,863)
54,667
5,959
(1,060)
59,565
8,257
(14,548)
53,274
(44,956)
8,318
(4,016)
(4,029)
12
3,763
3,771
(8)
8,064
47
(63)
8,048
684
(576)
8,156
0
8,156
(984)
7,172
Jun-12
38,104
(7,754)
30,350
2,407
(492)
32,266
5,214
(7,584)
29,896
(24,435)
5,461
7
6
1
(10)
(8)
(2)
5,458
3
(35)
5,426
212
(351)
5,287
5,287
(467)
4,820
Dic-10
Mar-11
Dic-11
Jun-12
595,042
607,898
682,872
717,132
53,751
92,863
411,307
66,184
86,333
419,575
83,989
69,512
492,630
71,196
81,555
525,491
416,668
424,748
502,019
534,149
8,323
7,499
7,178
6,916
2,547
4,382
2,442
3,372
420
637
356
551
4,419
4,809
5,259
6,152
1,702
1,886
1,652
1,752
3,534
3,597
4,090
4,278
(26,305)
(27,982)
(30,365)
(31,678)
4,865
110
9,767
20,545
1,835
4,691
110
8,556
20,593
1,856
5,195
36
7,285
22,692
1,534
3,737
47
9,059
24,406
1,640
506,107
516,669
584,691
614,084
472,344
477,877
545,783
561,260
288
319
513
397
205,546
203,930
233,984
232,014
242,079
248,795
283,902
300,412
20,194
20,675
22,214
22,953
4,237
4,159
5,170
5,484
9
6,137
15,307
11,637
673
-
6
9,408
16,856
11,845
677
-
6
8,716
16,846
13,167
173
-
9
19,979
18,664
13,998
173
-
88,936
91,230
98,181
103,048
28,667
2,840
50,276
7,153
30,508
2,921
52,392
5,408
32,378
2,842
55,749
7,212
34,381
2,837
60,477
5,354
366
4,312
39
534
6,787
1,096
7,172
4,820
595,042
67
807,206
607,898
56
836,169
682,872
52
1,002,565
717,132
50
1,115,461
Dic-10
9.03%
15.61%
69.12%
0.82%
0.02%
1.64%
3.45%
0.31%
1.1%
Mar-11
10.89%
14.20%
69.02%
0.77%
0.02%
1.41%
3.39%
0.31%
0.7%
Dic-11
12.30%
10.18%
72.14%
0.76%
0.01%
1.07%
3.32%
0.22%
1.1%
Jun-12
9.93%
11.37%
73.28%
0.52%
0.01%
1.26%
3.40%
0.23%
1.3%
8%
5.96%
19.13%
26.23%
5%
3.40%
21.22%
29.05%
7%
4.95%
21.21%
27.91%
9%
12.65%
10.63%
13.78%
-8.86%
-6.46%
97.91%
0.68%
1.41%
-3.00%
2%
289%
0.11
0.31
0.25
14.95%
21%
10%
-39.80%
-9.33%
-6.81%
97.36%
1.13%
1.51%
-2.85%
3%
239%
0.14
0.32
0.25
15.01%
-8.66%
-6.58%
98.13%
0.54%
1.33%
-2.80%
2%
313%
0.15
0.28
0.22
14.38%
20%
10%
-40.82%
-8.84%
-6.81%
97.86%
0.71%
1.43%
-2.74%
2%
268%
0.12
0.27
0.21
14.37%
22%
11%
-42.22%
13%
-43.51%
Dic-08
Dic-09
Dic-10
435,986
513,692
595,042
330,936
357,444
434,078
341,070
406,034
472,344
71,713
78,220
88,936
50,077
93,575
113,852
-13,011
-15,193
-13,917
-28,585
-33,073
-38,462
10,906
6,975
8,008
4,663
7,026
7,962
-2.63%
0.03
0.00%
0.20%
0.91%
0.11
0.28
23.20%
-2.62%
0.02
0.00%
0.25%
1.18%
0.12
0.36
22.02%
-3.00%
0.02
0.00%
0.31%
1.14%
0.11
0.31
20.71%
Evolucin de la Rentabilidad
400%
2%
200%
1.0%
ROA
ndice de Mora
3%
1.5%
Ratio de Cobertura
0%
ROA
200%
1%
Ratio de Cobertura
ndice de Mora
2%
0.5%
0.0%
0%
Dic-08
Dic-09
Dic-10
ndice de Mora
Mar-11
Dic-11
Jun-12
Ratio de Cobertura
Evolucin de la Solvencia
25%
Evolucin de la Liquidez
0.40
20%
0.30
15%
0.20
10%
0.10
5%
0%
Dic-08
Dic-09
CAP
Dic-10
Mar-11
Dic-11
Cartera en Mora/Patrimonio
Jun-12
Dic-08 Dic-09
Disp + Inv Temporarias / Obligaciones
Disp + Inv Temporarias / Activo
Dic-11
682,872
518,904
545,783
98,181
144,829
-13,863
-44,956
8,318
8,156
-2.80%
0.02
0.00%
0.22%
1.05%
0.15
0.28
20.00%
Evolucin de la Rentabilidad
5%
ROE
10%
0%
ROA
ROE
Evolucin de la Liquidez
ROE
5%
Dic-08
116,015
(35,705)
80,310
14,199
(3,603)
90,906
14,090
(23,850)
81,146
(63,905)
17,241
(43,246)
(45,010)
1,764
36,771
41,065
(4,294)
10,766
61
10,827
10,827
(4,267)
6,561
(322)
6,239
Dic-09
135,835
(45,733)
90,102
14,058
(3,666)
100,495
18,905
(27,853)
91,548
(68,661)
22,886
2,288
0
2,288
(2,099)
0
(2,099)
23,075
23,075
23,075
23,075
(3,288)
19,787
Dic-10
209,714
(44,764)
164,950
17,674
(6,802)
175,823
38,138
(63,134)
150,826
(115,392)
35,434
(15,319)
(15,660)
341
15,231
15,611
(381)
35,346
35,346
35,346
35,346
(6,770)
28,576
Jun-11
115,472
(20,238)
95,234
9,240
(2,433)
102,041
15,538
(24,219)
93,361
(73,605)
19,755
(8,417)
(8,978)
562
8,242
9,023
(782)
19,580
13
19,594
19,594
19,594
(1,714)
17,879
Dic-08
864,782
74,905
112,600
632,967
630,758
2,668
2,264
49
3,422
99
Dic-09
1,049,221
133,336
144,113
715,916
712,486
5,301
3,046
161
3,514
120
Dic-10
1,672,521
189,347
199,225
1,229,223
1,235,055
6,604
6,559
388
2,911
347
Jun-11
1,775,103
190,488
159,230
1,369,742
1,378,304
5,740
30
7,419
481
3,119
341
8,677
(14,968)
4,766
446
12,753
21,571
4,773
785,321
577,151
2,493
192,742
254,177
15,322
93,435
18,982
795
179,954
16,248
11,174
79,461
63,003
714
9,505
6,239
0
6,239
864,782
9,721
(18,433)
7,331
286
22,174
21,619
4,445
952,088
747,059
5,509
263,274
299,774
18,376
135,551
24,575
983
141,279
21,255
12,986
12,362
5,000
97,133
66,503
714
10,129
19,787
0
19,787
1,049,221
14,942
(37,582)
11,451
3
7,106
30,330
5,835
1,523,090
1,171,171
7,804
407,023
356,686
19,388
349,031
31,239
6,113
208,085
41,890
30,941
20,111
27,223
10,000
149,431
97,987
865
22,002
28,576
0
28,576
1,672,521
15,788
(41,480)
13,121
2
3,089
34,003
5,427
1,616,051
1,285,382
8,487
470,505
373,253
18,720
385,384
29,033
4,349
20,653
186,186
38,920
34,101
20,113
26,347
159,051
108,522
4,914
27,736
17,879
17,879
1,775,103
4,204
944,435
4,381
1,179,822
5,948
2,208,085
5,339
2,566,946
Dic-09
12.7%
13.7%
68.2%
0.7%
0.0%
2.1%
2.1%
0.4%
1.9%
Dic-10
11.3%
11.9%
73.5%
0.7%
0.0%
0.4%
1.8%
0.3%
1.7%
Jun-11
10.7%
9.0%
77.2%
0.7%
0.0%
0.2%
1.9%
0.3%
2.0%
Dic-08
8.7%
13.0%
73.2%
0.6%
0.1%
1.5%
2.5%
0.6%
0.7%
ROE
Margen Neto
Margen Operativo
Ingresos Financieros / Activo
Ingresos Financieros / Cartera Bruta
Gastos Administrativos / Cartera Bruta
Gastos Administrativos / Activo
Cartera Vigente / Cartera Bruta
Cartera Vencida / Cartera Bruta
Cartera en Ejecucin / Cartera Bruta
Gastos por Incobrabilidad/Cartera Bruta
ndice de Mora
Ratio de Cobertura
Disponibilidades / Obligaciones
Activos Lquidos / Obligaciones
Activos Lquidos / Activo
Patrimonio/Activo
CAP
Obligaciones Financieras/Patrimonio
Cartera en Mora- Prev/Patrimonio
7.9%
5.4%
14.9%
13.4%
18.1%
-10.0%
-7.4%
99.1%
0.4%
0.6%
-3.7%
0.9%
256.6%
13.0%
32.5%
21.7%
9.2%
12.5%
953.8%
11.5%
22.4%
14.6%
16.8%
12.9%
19.9%
-9.5%
-6.5%
99.1%
0.4%
0.5%
-3.8%
0.9%
269.5%
17.8%
37.1%
26.4%
9.3%
13.3%
915.6%
11.9%
23.2%
13.6%
16.9%
12.5%
21.2%
-9.2%
-6.9%
99.2%
0.6%
0.3%
-5.0%
0.8%
368.3%
16.2%
33.2%
23.2%
8.9%
12.5%
927.1%
18.3%
22.5%
15.5%
17.1%
13.0%
16.5%
-10.5%
-8.3%
99.2%
0.6%
0.2%
-3.5%
0.8%
365.1%
14.8%
27.2%
19.7%
9.0%
823.9%
18.9%
Cartera Bruta
639,259
724,628
1,251,863
1,395,435
Activos Liq
187,505
277,449
388,572
349,718
Credito de consumo
Credito Hipotecario
Credito PyME
Microcredito
245,215,382
64,407,368
268,216,763
925,272,899
1,034,918
Actividades atpicas
7,635,804
Administracin pblica, defensa y seguridad social
298,615,054
Agricultura y Ganaderia
4,605,319
Caza, Silvicultura y Pesca
1,154,572,540
Cosntruccion
44,983,781
Educacin
108,855,846
Extraccion de Petroleo Crudo y Gas Natural
124,272,969
Hoteles y Restaurantes
1,214,858,852
Industria Manufacturera
273,769,863
Intermediacin Financiera
88,517,379
Minerales Metalicos y no Metalicos
Produccion y Distribucion de energa electrica, gas y agua 103,516,853
Servicio de hogares privados que contratan servicio domstico 216,282
762,600
Servicios de organizaciones y organes extraterritoriales
1,636,558,793
Servicios inmobiliarios, empresariales y de alquiler
266,321,293
Servicios sociales, comunales y personales
512,966,303
Transporte, almacenamiento y Construccin
2,017,317,954
Ventas al por mayor y menor
Comercio
Agricultura/Ganaderia
Produccin (incl. Construccin)
Transporte, Servicios y Otros
2,017,317,954
303,220,373
2,670,321,469
2,868,522,606
Dic-11
247,305
(42,463)
204,842
16,719
(4,817)
216,744
38,749
(65,115)
190,378
(146,990)
43,388
10,843
(12,163)
1,178
10,843
12,218
(1,375)
43,246
27
43,273
(415)
42,858
42,858
(6,470)
36,388
Jun-12
144,826
(25,840)
118,986
8,973
(2,953)
125,007
17,934
(29,249)
113,692
(91,622)
22,069
290
0
290
(272)
(0)
(272)
22,088
220
22,308
(88)
22,219
22,219
(1,601)
20,618
Dic-11
2,064,212
227,993
178,353
1,589,524
1,604,100
6,164
27
7,100
406
3,787
449
Jun-12
2,280,438
209,075
236,785
1,757,426
1,770,421
7,465
26
8,047
292
3,994
404
Dic-08
Activo Total
Cartera Bruta
Depsitos del Pblico
Patrimonio
Ingresos Financieros
Gastos Financieros
Gastos Administrativos
Utilidad Operativa
Utilidad Neta
1,718,471
1,305,362
1,120,759
167,397
231,451
(70,483)
(136,584)
34,766
15,381
1.33643928
1.29719295
79%
Dic-09
2,211,388
1,562,159
1,537,307
201,168
229,410
(76,397)
(128,429)
31,581
27,502
Dic-11
11.0%
8.6%
77.0%
0.7%
0.0%
0.4%
1.9%
0.3%
1.8%
Jun-12
9.2%
10.4%
77.1%
0.6%
0.0%
0.3%
1.9%
0.6%
1.8%
4,000
72.0%
70.0%
3,000
68.0%
2,000
66.0%
1,000
64.0%
62.0%
5,000
74.0%
Dic-08
Dic-09
Dic-10
Jun-11
Dic-11
Jun-12
Cartera Bruta
Series3
500
450
400
350
300
250
200
150
-10.0%
-12.0%
100
50
0
Dic-08
Dic-09
Disponibilidades
Dic-10
Jun-11
Dic-11
Jun-12
Inversiones Temporarias
1.0%
500%
0.8%
400%
30.0%
Ratiode Cobertura
5,518
3,258,528
6,000
76.0%
Cartera/Total Activo
6,296
2,956,400
78.0%
Millones de US$
19,753
(52,977)
14,526
25
6,038
42,390
14,174
2,088,958
1,617,467
13,849
522,096
322,888
16,610
701,774
40,250
763
183,909
58,106
48,880
104,374
25,402
50,057
191,481
125,278
10,699
34,886
20,618
20,618
2,280,438
ndice de Mora
18,646
(51,155)
15,151
3
8,411
38,978
5,801
1,880,725
1,442,301
14,728
492,429
337,612
18,178
547,602
31,751
3,101
25,100
190,171
47,779
41,516
104,346
26,410
183,487
112,891
6,392
27,817
36,388
36,388
2,064,212
20.0%
400%
0.6%
300%
0.4%
200%
0.2%
100%
0.0%
450
400
25.0%
350
20.0%
300
250
15.0%
200
10.0%
150
100
5.0%
50
Dic-08
Dic-09
Dic-10
Activos Liq
Jun-11
Dic-11
20.0%
15.0%
406,345
445,859
10.0%
5.0%
0.0%
Dic-08
CAP
Dic-09
Dic-10
Jun-11
Dic-11
0.5
0
Dic-08
Dic-09
Dic-10
Disp/Oblig a Corto Plazo
Disp+InvTemp/Oblig a Corto Plazo
Jun-11
25.0%
20.0%
15.0%
ROA
30.0%
0.0%
1,790,650
10.0%
Jun-11
Dic-11
Ratio de Cobertura
25.0%
1,622,033
20.0%
0%
Dic-08
Dic-09
Dic-10
ndice de Mora
941.2%
21.0%
Ratiode Cobertura
0.8%
ndice de Mora
23.5%
14.2%
15.2%
12.7%
18.2%
-10.2%
-8.0%
99.3%
0.5%
0.2%
-3.3%
0.7%
415.9%
12.9%
27.6%
19.6%
8.4%
Activos Liq/Activos
21.9%
14.7%
17.5%
12.0%
17.2%
-9.1%
-7.1%
99.3%
0.5%
0.3%
-4.0%
0.7%
435.7%
15.8%
28.2%
19.7%
8.9%
11.8%
801.4%
21.5%
10.0%
Comercio
Agricultura/Ganaderia
Produccin (incl.
Construccin)
Transporte, Servicios y
Otros
Dic-10
2,598,308
1,933,960
1,853,724
238,674
323,566
(67,173)
(185,986)
54,778
44,973
Mar-11
2,953,196
2,225,212
2,123,135
271,191
88,303
(15,547)
(57,865)
15,044
14,043
Jun-11
2,801,059
2,162,566
2,043,917
260,663
182,563
(30,906)
(119,051)
33,313
30,574
Sep-11
2,974,010
2,328,855
2,176,677
283,604
283,492
(47,104)
(179,564)
49,267
46,997
Dic-11
3,299,717
2,536,688
2,345,028
305,607
392,134
(65,069)
(240,190)
74,783
63,947
Mar-12
3,527,623
2,678,734
2,539,374
314,218
113,260
(19,869)
(72,181)
18,282
17,192
Dic-08
Dic-09
Dic-10
Jun-11
Dic-11
0.0%
-2.0%
-4.0%
-6.0%
-8.0%
-10.0%
-12.0%
Gastos Administrativos / Activo
Gastos Administrativos / Cartera Bruta
30.0%
20.0%
Jun-12
20.0%
10.0%
0.0%
Dic-08
Dic-09
Dic-10
Jun-11
Dic-11
Jun-12
25%
20.0%
20%
15.0%
15%
10.0%
10%
5.0%
5%
0.0%
0%
Dic-08 Dic-09 Dic-10 Jun-11 Dic-11 Jun-12
Ingresos Financieros / Cartera Bruta
ROE
ROA
25.0%
37.14
92.84
21.72
45.86
95.18
26.47
41.52
85.68
23.12
ROE
Margen Operativo
41.95
75.01
19.72
16%
4%
tura/Ganaderia
orte, Servicios y
Credito de consumo
Credito Hipotecario
62%
Credito PyME
18%
Microcredito
Consolidado de IFD
Presentacin del Estado de Resultados
(En Miles USD)
Ingresos Financieros
Gastos Financieros
tem
Dic-08
40,745
6,116
Dic-09
45,839
7,534
Dic-10
56,105
8,861
34,630
38,305
47,244
2,512
2,123
35,019
3,073
5,638
32,454
23,075
3,584
1,329
40,560
4,822
7,521
37,861
31,098
4,899
1,529
50,614
6,743
10,154
47,203
38,739
9,379
6,764
8,464
12,409
-
(45)
13
6,706
662
78
7,290
227
442
7,074
108
106
7,076
(906)
(847)
8,405
280
24
8,661
237
177
8,721
-
8,721
12,409
7,076
8,721
Dic-08
175,129
6,659
5,575
146,158
149,288
144,225
1,423
1,565
1,513
22
540
2,928
(6,057)
Dic-09
229,430
15,515
5,671
173,248
176,102
171,369
1,295
1,404
1,776
65
194
3,603
(6,457)
Activo
Disponibilidades
Inversiones Temporarias
Cartera
Cartera bruta
Cartera vigente
Cartera vencida
Cartera en ejecucion
Cartera reprogramada o reestr vigente
Cartera reprogramada o reestr vencida
Cartera reprogramada o reestr en ejecu
Productos devengados
Previsin cartera incobrable
Dic-10
267,835
14,962
7,411
227,259
230,634
224,886
1,817
1,152
2,604
76
100
4,284
(7,659)
Pasivo
Obligaciones (Pblico, Inst Fiscales, Bancos)
Pblico
Instituciones Fiscales
Bancos
Otras Cuentas por Pagar
Previsiones
Ttulos de Deuda en Circulacin
Obligaciones Subordinadas
Patrimonio
Capital Social
Aportes no Capitalizados
Ajuste Global del Patrimonio
Reservas
Resultados Acumulados
5,408
378
3,595
6,206
1,150
101,241
88,057
0
88,056
9,216
1,894
2,074
73,888
25,716
11,294
2,190
11,849
22,838
175,129
2,567
309
4,172
7,347
20,602
147,423
110,795
110,795
31,995
3,004
1,630
82,006
14,610
31,896
456
31,703
3,341
229,430
3,672
303
3,991
8,293
1,945
175,217
152,900
152,900
16,548
4,226
1,543
92,619
18,308
31,701
270
35,571
6,768
267,836
Dic-08
3.8%
3.2%
83.5%
3.1%
0.2%
2.1%
3.5%
0.7%
7.1%
16.8%
30.5%
23.0%
23.3%
27.3%
15.5%
13.2%
97.6%
1.0%
1.4%
3.8%
2.4%
170.6%
7.6%
Dic-09
6.8%
2.5%
75.5%
1.1%
0.1%
1.8%
3.2%
9.0%
3.1%
8.6%
15.4%
14.8%
20.0%
28.2%
17.7%
13.6%
98.3%
0.8%
0.9%
4.3%
1.7%
218.4%
14.0%
Dic-10
5.6%
2.8%
84.9%
1.4%
0.1%
1.5%
3.1%
0.7%
3.3%
9.4%
15.5%
15.1%
20.9%
27.6%
16.8%
14.5%
98.6%
0.8%
0.5%
4.4%
1.4%
243.6%
9.8%
13.9%
7.0%
42.2%
119.2%
4.8%
-3.4%
19.1%
9.2%
35.7%
135.1%
3.6%
-4.3%
14.6%
8.4%
34.6%
165.1%
3.4%
-4.9%
Activos Liquidos
12,234
21,186
22,374
45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
Dic-08
Dic-09
Dic-10
Series1
Mar-11
Dic-11
Series2
Jun-12
Mar-11
16,713
2,665
Dic-11
64,509
(11,677)
Jun-12
45,826
(8,859)
14,048
52,832
36,967
1,054
298
14,804
1,297
2,378
13,723
10,858
4,629
(2,157)
55,304
7,365
(11,162)
51,507
(41,240)
2,294
(1,649)
37,612
5,057
(8,300)
34,369
(27,906)
2,866
10,267
6,463
(1,096)
(1,166)
2,935
20
18
2,937
121
62
2,996
-
2,996
-
2,996
(2,251)
2,326
10,342
87
(108)
10,322
568
(474)
10,416
-
10,416
44
(28)
6,479
120
(14)
6,585
132
(73)
6,644
0
-
6,644
(44)
10,371
6,644
Mar-11
Dic-11
Jun-12
284,810
454,439
404,333
16,899
11,830
236,670
241,246
234,562
2,416
1,432
2,587
150
98
4,605
(9,181)
16,494
8,454
322,815
325,966
320,872
1,938
1,269
1,726
87
74
6,191
(9,371)
22,204
10,660
350,681
354,960
347,314
2,627
2,071
2,720
178
51
6,921
(11,128)
Dic-08
Activo Total
Cartera Bruta
Depsitos del Pblico
Patrimonio
Ingresos Financieros
Gastos Financieros
Gastos Administrativos
Utilidad Operativa
Utilidad Neta
175,129
149,288
88,057
73,888
40,745
6,116
23,075
9,379
12,409
Dic-09
229,430
176,102
110,795
82,006
45,839
7,534
31,098
6,764
7,076
Mar-11
5.9%
4.2%
83.1%
1.2%
0.1%
1.4%
3.0%
1.0%
4.2%
12.1%
17.9%
17.1%
23.5%
27.7%
18.0%
15.2%
98.3%
1.1%
0.6%
3.9%
1.7%
224.1%
10.5%
2,257
5
5,598
10,381
88,463
2,997
13
4,075
11,536
2,167
354,927
298,518
244,282
244,282
100,934
5,519
3,061
1,132
273,993
273,993
17,314
5,973
1,238
99,512
105,815
17,287
26,967
45,334
9,925
17,388
26,965
54,919
6,544
454,439
404,333
Dic-11
3.6%
1.9%
71.0%
0.5%
0.0%
1.2%
2.3%
19.5%
2.3%
10.4%
16.1%
15.9%
14.2%
23.2%
-12.7%
-9.1%
99.0%
0.6%
0.4%
-3.4%
1.0%
278.2%
6.8%
Jun-12
5.5%
2.6%
86.7%
0.7%
0.0%
1.0%
2.9%
0.5%
3.3%
12.6%
14.5%
14.1%
22.7%
29.7%
-15.7%
-13.8%
98.6%
0.8%
0.6%
-4.7%
1.4%
225.9%
8.10%
Cartera/Total Activo
3,428
275
3,983
8,680
2,979
185,995
161,461
161,461
18,279
4,732
1,523
98,814
18,679
20,048
66
50,471
9,551
284,810
100%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
Cartera bruta
12.0%
8.1%
26.2%
258.9%
4.7%
-5.9%
28,729
24,948
32,864
35,000
30,000
Ratios de Liquidez
10.2%
5.5%
21.9%
245.5%
3.4%
-6.0%
25,000
20,000
15,000
10,000
5,000
Dic-08
Dic-09
Dic-10
Activos Liquidos
Mar-11
Dic-11
2.5%
2.0%
ndice de Mora
17.8%
10.1%
34.7%
163.4%
4.1%
-5.1%
1.5%
1.0%
0.5%
0.0%
Dic-08
Dic-09
Dic-10
ndice de Mora
Mar-11
Dic-11
Jun-12
Ratio de Cobertura
Dic-10
267,835
230,634
152,900
92,619
56,105
8,861
38,739
8,464
8,721
Mar-11
284,810
241,246
161,461
98,814
16,713
2,665
10,858
2,866
2,996
Jun-11
301,930
261,799
177,945
101,556
33,999
(5,514)
(23,117)
5,021
5,247
Sep-11
338,389
284,699
210,088
104,773
52,965
(8,848)
(35,998)
7,904
8,289
Dic-11
454,439
325,966
244,282
99,512
64,509
(11,677)
(41,240)
10,267
10,371
Mar-12
382,657
339,007
251,923
103,067
22,283
(4,276)
(13,222)
3,358
3,509
40.0%
30.0%
20.0%
10.0%
0.0%
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
Jun-12
350
300
250
200
20.0%
10.0%
0.0%
Dic-08
150
100
50
-
Dic-09
Dic-10
Mar-11
Dic-11
Jun-12
-10.0%
-20.0%
Gastos Administrativos / Cartera Bruta
Gastos Administrativos / Activo
35.0%
30.0%
25.0%
20.0%
50%
40%
ndice de Mora
400
Millones de US$
Margen Bruto
30%
ndice de Mora
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
30%
20%
10%
Dic-08
Dic-09
Dic-10
Mar-11
Dic-11
Jun-12
0%
10.0%
6.0%
4.0%
2.0%
0.0%
ROA
8.0%
100.0%
90.0%
80.0%
70.0%
60.0%
50.0%
40.0%
30.0%
20.0%
10.0%
0.0%
7%
6%
5%
4%
3%
2%
1%
0%
tem
300.0%
200.0%
150.0%
100.0%
50.0%
0.0%
o de Cobertura
Ratio de Cobertura
250.0%
Jun-12
82,006
92,619
98,814
Disponibilidades/Total Activo
Patrimonio/Activo
Obligaciones Financieras/Act
8%
73,888
Temporarias / Activo
ROE
ROE
12.0%
ROA
########### 175,099,694
D
11,237,462
E
4,754,381
2,178,180
300%
40%
250%
30%
200%
en Mora/Patrimonio
50%
150%
20%
100%
10%
50%
0%
0%
Dic-08 Dic-09
Patrimonio/Activo
Dic-10
Obligaciones Financieras/Activos
Mar-11
Dic-11
Cartera
en Mora/Patrimonio
Cartera en Mora/Patrimonio
200%
30%
F
14,625,095
Dic-08
411,079
(139,959)
271,119
241,406
(78,502)
434,023
108,414
(162,708)
379,730
(233,292)
146,438
(299,716)
(417,234)
117,519
294,382
391,134
(96,752)
141,104
2,829
143,933
832
144,765
(22,047)
122,718
(4,189)
118,529
Dic-09
414,238
(140,972)
273,267
221,825
(72,789)
422,303
109,258
(144,804)
386,756
(258,227)
128,530
35,329
134
35,195
(33,463)
113
(33,576)
130,396
83
130,479
414
130,892
0
130,892
(6,184)
124,708
Dic-10
332,213
(78,646)
253,568
253,419
(81,858)
425,128
149,891
(193,848)
381,171
(273,183)
107,988
(27,555)
(32,988)
5,434
27,800
33,180
(5,380)
108,233
453
108,687
315
109,002
0
109,002
(6,011)
102,991
Dic-08
6,280,960
749,552
2,160,313
2,932,999
2,688,523
236,181
15,827
10,972
5,327
1,936
69,006
63,680
Dic-09
7,430,665
1,553,654
2,241,237
3,255,851
3,069,406
184,974
13,288
11,034
4,616
288
68,825
51,006
Dic-10
7,602,212
1,406,584
1,823,063
3,955,516
3,840,765
133,829
3,245
11,561
657
0
48,101
41,721
2,998
34,857
(196,307)
29,598
16,827
237,823
137,078
16,769
5,694,011
5,112,695
1,405,254
1,871,044
1,155,276
195,010
422,101
64,009
17,208
(137,454)
480,258
125,329
69,332
7,636
586,949
335,886
20,414
117,928
112,722
(5,808)
118,529
6,280,960
695,545
10,941,759
3,186
28,375
(179,146)
34,954
7,850
182,075
139,070
15,975
6,790,453
6,100,746
1,887,406
2,035,153
1,356,873
205,436
532,485
83,391
10,422
(98,429)
442,155
140,884
97,540
(12,362)
79,041
640,212
366,901
16,238
142,419
114,654
(10,055)
124,708
7,430,665
760,748
12,157,973
5,004
25,146
(154,514)
39,759
2,700
204,021
143,324
27,245
6,969,131
6,333,884
2,106,524
2,046,141
1,143,671
220,430
719,873
97,245
11,328
(172,010)
398,703
168,452
114,437
(7,112)
72,775
633,081
384,306
23,243
121,952
103,579
588
102,991
7,602,212
874,886
13,794,498
Dic-08
11.93%
34.39%
46.70%
0.47%
0.27%
3.79%
2.18%
0.27%
1.7%
Dic-09
20.91%
30.16%
43.82%
0.47%
0.11%
2.45%
1.87%
0.21%
1.5%
Dic-10
18.50%
23.98%
52.03%
0.52%
0.04%
2.68%
1.89%
0.36%
1.2%
ROE
Resultado Neto / Ingresos Financieros
20%
28.83%
19%
30.11%
16%
31.00%
6.54%
13.14%
5.57%
12.06%
4.37%
8.08%
-7.54%
-3.71%
95.03%
0.59%
4.38%
-5.26%
5.0%
128%
0.15
0.57
0.46
9.34%
12.2%
26.22%
-7.22%
-7.58%
-3.48%
95.92%
0.47%
3.61%
-4.25%
4.1%
129%
0.25
0.62
0.51
8.62%
11.9%
21.70%
-6.28%
-6.69%
-3.59%
97.38%
0.30%
2.32%
-4.75%
2.6%
144%
0.22
0.51
0.42
8.33%
11.3%
16.91%
-7.50%
Mar-11
82,272
(17,239)
65,033
55,448
(14,731)
105,749
19,557
(29,196)
96,111
(72,719)
23,392
(28,469)
(33,100)
4,630
29,399
33,916
(4,517)
24,322
70
24,392
(101)
24,291
(0)
24,291
(1,470)
22,821
Dic-11
377,481
(70,561)
306,920
258,940
(59,944)
505,915
101,902
(147,424)
460,393
(306,676)
153,717
58,658
(78,242)
20,766
58,658
78,278
(19,620)
154,898
358
155,256
1,373
156,629
156,629
(23,323)
133,306
Jun-12
236,036
(42,545)
193,491
124,820
(41,345)
276,966
72,531
(96,521)
252,976
(181,531)
71,445
1,297
(2,962)
4,259
(1,057)
2,643
(3,700)
71,685
24
71,709
(8,714)
62,995
(0)
62,995
(10,551)
73,546
Mar-11
7,788,823
1,562,390
1,750,691
4,068,647
3,963,457
117,555
3,257
15,592
9,787
0
47,120
39,615
Dic-11
9,186,115
2,080,313
1,738,169
4,944,521
4,871,376
100,082
13
11,840
2,070
0
46,734
33,270
Jun-12
9,511,099
1,492,474
2,254,984
5,310,472
5,237,398
93,957
8
16,217
2,095
0
52,697
33,201
859,251
14,127,122
Mar-11
20.06%
22.48%
52.24%
0.53%
0.03%
2.51%
1.85%
0.32%
1.1%
5,004
35,698
(161,566)
52,013
2,103
184,039
161,695
23,263
8,420,835
7,482,286
2,395,984
2,550,434
1,186,509
256,465
985,686
107,207
163,722
166,478
281,689
161,390
127,995
37,275
765,280
486,627
25,986
121,042
131,624
(1,682)
133,306
9,186,115
1,162,781
16,984,277
Dic-11
22.65%
18.92%
53.83%
0.57%
0.02%
2.00%
1.76%
0.25%
1.7%
5,009
39,216
(169,324)
51,535
2,082
197,281
168,935
33,336
8,769,112
8,002,440
2,623,280
2,563,729
879,418
275,680
1,550,846
109,485
17,547
252,738
147,062
148,503
30,731
170,090
741,988
495,503
32,210
146,621
67,654
15,209
52,445
9,511,099
1,205,178
18,454,798
Jun-12
15.69%
23.71%
55.83%
0.54%
0.02%
2.07%
1.78%
0.35%
0.9%
6.0%
ndice de Mora
5,004
27,324
(160,066)
41,330
2,130
195,178
143,814
24,642
7,154,502
6,504,654
2,201,132
2,134,320
1,104,750
229,436
739,850
99,815
10,343
51,023
(78,659)
395,610
158,506
119,196
(6,171)
634,320
393,830
49,323
162,077
29,089
6,269
22,821
7,788,823
4.0%
23%
35.31%
13%
31.16%
4.28%
7.89%
5.49%
9.88%
3.32%
5.76%
ndice de Mora
15%
27.74%
2.0%
0.0%
ndice de Mora
30.0%
-7.02%
-3.79%
97.21%
0.60%
2.18%
-2.82%
2.8%
137%
0.24
0.51
0.43
8.14%
15.7%
18.46%
-6.77%
-8.09%
-4.46%
98.05%
0.27%
1.68%
-2.91%
2.0%
163%
0.28
0.51
0.42
8.33%
11.9%
12.93%
-8.19%
-4.46%
-2.55%
97.99%
0.34%
1.67%
-1.77%
2.0%
155%
0.19
0.47
0.39
7.80%
13.2%
14.72%
-8.10%
Ratio de Cobertura
Evolucin de la Solvencia
20.0%
10.0%
0.0%
Dic-08 Dic-09 Dic-10 Mar-11 Dic-11
CAP
Cartera en Mora/Patrimonio
Dic-08
Dic-09
Dic-10
6,280,960
7,430,665
7,602,212
3,094,449
3,406,622
4,084,884
5,112,695
6,100,746
6,333,884
586,949
640,212
633,081
411,079
414,238
332,213
-139,959
-140,972
-78,646
-233,292
-258,227
-273,183
146,438
128,530
107,988
118,529
124,708
102,991
4.97%
127.54%
-7.54%
1.70%
20.19%
0.46
0.57
12.15%
4.08%
128.92%
-7.58%
1.52%
19.48%
0.51
0.62
11.89%
2.62%
144.35%
-6.69%
1.21%
16.27%
0.42
0.51
11.28%
Evolucin de la Rentabilidad
200%
2.0%
30%
1.0%
ROE
20%
ROA
100%
Ratio de Cobertura
la Calidad de Cartera
ROE
20%
ROA
Ratio de Cobertura
100%
1.0%
10%
0%
0.0%
0%
Dic-08
Ratio de Cobertura
Dic-09
Dic-10
Mar-11
ROA
n de la Solvencia
Dic-11
Jun-12
ROE
Evolucin de la Liquidez
0.75
0.50
0.25
Dic-08
Dic-11 Jun-12
Cartera en Mora/Patrimonio
Dic-09
Dic-10
Mar-11
Dic-11
Jun-12
Dic-11
9,186,115
5,070,389
7,482,286
765,280
377,481
-70,561
-306,676
153,717
133,306
1.95%
163.34%
-8.09%
1.72%
23.29%
0.42
0.51
11.90%
utilidad