NC 020

CUADRO 20
TASAS DE INTERS ACTIVAS Y PASIVAS PROMEDIO DE LAS EMPRESAS BANCARIAS EN MONEDA NACIONAL (En trminos efectivos anuales) 1/ y 2/
AVERAGE LENDING AND DEPOSIT INTEREST RATES OF COMMERCIAL BANKS - DOMESTIC CURRENCY (Annual effective rates) 1/ 2/
ACTIVAS / LENDING
CORPORATIVOS
CORPORATE
Descuento/
Discount
GRANDES EMPRESAS/
BIG COMPANIES
Prstamos /
Loans
Prstamos /
Loans
Descuento/
MEDIANAS EMPRESAS/
MEDIUM ENTERPRISES
Prstamos /
Loans
Descuento/
Ms de 360 d.
more than 360 days
Hasta 360 d.
Up to 360 days
Prstamos /
Loans
Descuento/
Ms de 360 d.
more than 360 days
Discount
Hasta 360 d.
Up to 360 days
MICROEMPRESAS/
MICROBUSINESSES
Prstamos /
Loans
Descuentos/
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
Discount
6.9
5.5
6.4
7.3
7.4
7.4
10.2
10.7
11.4
15.5
23.2
22.8
13.0
40.7
Ene.
6.9
5.6
6.4
7.3
7.4
7.4
10.1
10.9
11.4
15.4
23.3
22.8
13.1
Feb.
6.9
5.6
6.5
7.3
7.4
7.4
10.2
10.6
11.5
15.5
23.2
22.8
13.1
Mar.
6.9
5.4
6.6
7.4
7.3
7.4
10.3
10.5
11.4
15.8
23.0
22.7
Abr.
6.3
5.3
6.5
7.3
7.2
7.4
10.1
10.6
11.3
15.8
22.9
May.
6.3
5.2
6.4
7.5
7.1
7.3
10.2
10.5
11.3
15.8
Jun.
6.0
5.3
6.4
7.8
7.0
7.4
10.4
10.6
11.2
Jul.
5.9
5.3
6.3
7.7
6.8
7.4
10.4
10.5
Ago.
5.9
5.1
6.2
7.8
6.9
7.3
10.4
Set.
6.0
5.2
6.1
7.8
6.8
7.3
Oct.
5.9
5.3
6.1
8.0
6.8
Nov.
6.0
5.3
6.1
7.9
Dic.
6.4
5.2
6.1
Ene.
6.7
5.2
Feb.
6.6
5.3
Mar.
6.7
Abr.
Hasta 360 d.
Up to 360 days
Discount
PEQUEAS EMPRESAS/
SMALL ENTERPRISES
Ms de 360 d.
more than 360 days
Discount
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
CONSUMO/
CONSUMPTION
Tarjeta de
Crdito/
Prstamos /
Loans
HIPOTECARIO/
MORTGAGE
Credit card
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
31.9
37.4
81.8
20.4
9.5
42.1
33.7
38.4
86.3
20.5
9.5
42.1
31.9
38.9
87.3
20.5
9.5
13.8
41.6
31.7
39.6
91.5
20.6
9.5
22.8
12.7
40.6
31.0
40.9
107.2
20.6
9.5
22.6
22.7
12.8
41.1
31.2
41.1
108.7
20.5
9.4
15.8
22.4
22.6
13.1
41.8
31.3
41.0
103.2
20.5
9.4
11.2
15.5
22.1
22.4
15.3
40.9
30.9
41.0
95.8
20.5
9.4
10.6
11.2
15.4
22.1
22.2
16.9
39.7
30.6
41.1
92.1
20.6
9.4
10.3
10.5
11.1
15.1
22.2
22.1
13.6
40.3
30.2
41.0
93.3
20.6
9.4
7.3
10.3
10.4
11.0
15.0
22.2
21.9
15.5
40.2
30.6
41.0
97.8
20.6
9.4
6.8
7.2
10.1
10.3
11.0
14.9
22.2
21.8
17.5
39.6
29.7
40.7
97.5
20.7
9.4
7.6
6.7
7.3
10.0
10.5
10.9
15.0
21.5
21.8
15.6
39.2
29.1
40.3
97.1
20.8
9.4
6.1
7.5
6.7
7.3
10.3
10.5
10.9
15.2
22.3
21.9
15.2
37.1
30.8
40.5
93.4
20.9
9.4
6.2
7.6
6.8
7.2
10.4
10.3
10.8
15.5
22.2
21.9
15.8
34.0
31.3
40.2
92.5
20.9
9.3
5.3
6.3
7.6
6.7
7.0
10.4
10.2
10.8
15.1
22.1
21.9
14.6
38.5
31.3
40.2
95.7
21.0
9.3
6.9
5.4
6.3
7.8
6.7
7.0
10.3
10.0
10.5
15.2
22.3
21.7
14.5
38.3
31.1
40.2
108.7
21.1
9.3
May.
7.0
5.4
6.3
7.9
6.8
7.0
10.4
10.0
10.7
15.2
21.9
21.7
14.6
40.6
31.0
40.2
104.7
21.2
9.3
Jun.
7.1
5.4
6.3
8.0
6.8
7.1
10.3
9.9
10.6
15.4
22.0
21.6
15.9
40.8
30.5
40.4
100.1
21.2
9.3
Jul.
7.2
5.4
6.4
8.0
6.8
7.0
10.1
9.5
10.4
15.0
21.9
21.5
16.2
41.5
30.5
40.7
96.4
21.2
9.3
Ago.
7.1
5.4
6.5
7.8
6.7
7.1
10.5
10.1
10.6
14.7
21.9
21.4
15.2
41.3
30.3
40.7
93.5
21.2
9.3
Set.
7.1
5.2
6.5
7.8
6.6
7.1
10.3
10.1
10.6
14.5
21.8
21.3
15.9
41.3
29.7
40.5
91.1
21.1
9.3
Oct.
Nov.
Dic.
6.9
6.8
6.7
5.2
5.4
5.6
6.6
6.6
6.5
7.6
7.5
7.4
6.6
6.4
6.4
7.1
7.1
7.1
10.2
10.1
10.0
10.1
10.3
10.2
10.6
10.6
10.5
14.3
13.9
14.1
22.0
22.0
22.0
21.4
21.3
21.3
14.7
14.5
12.9
41.1
41.2
41.1
30.5
30.4
30.3
40.4
40.2
40.4
88.9
86.6
81.5
21.0
21.0
20.8
9.3
9.3
9.2
6.7
6.7
6.6
5.5
5.0
4.8
6.5
6.5
6.4
7.3
7.2
7.2
6.4
6.4
6.4
7.2
7.3
7.3
9.8
9.8
9.8
10.1
9.8
9.6
10.4
10.3
10.3
14.1
14.2
14.2
22.1
21.7
22.8
21.3
21.2
21.8
13.3
14.2
12.8
42.2
42.8
45.3
30.7
30.4
32.3
40.6
40.7
40.8
79.6
74.1
67.3
20.7
20.5
20.7
9.2
9.2
9.2
2012
Dic.
2013
2014
2015
Ene.
Feb.
Mar.
CUADRO 20
PASIVAS / DEPOSITS
TAMN
3/
FTAMN
4/
TIPMN
6/
FTIPMN
7/
Tasa de
Inters
Legal /
Legal Interest
Rate 8/
Plazos (das) /
Term(days)
Preferencial
Corporativa
a 90 d. /
Corporate
Prime
(90 days) 5/
Cuenta
Corriente /
Demand
Deposits
Ahorro /
Savings
hasta 30 d.
Up to 30
31 - 180 d.
181 - 360 d.
360 a ms/
360 and more
Tasa
Interbancaria
Promedio /
Interbank
Average Interest
Rate 9/
Tasa de
Referencia
de Poltica
monetaria /
Policy Monetary
Interest Rate 10/
2012
2012
19.1
22.9
5.0
0.5
0.6
3.6
3.8
4.2
5.5
2.4
3.0
2.4
4.2
4.25
Dec.
Ene.
19.4
23.2
5.0
0.5
0.5
3.5
3.8
4.2
5.5
2.4
2.9
2.4
4.2
4.25
Jan.
Feb.
19.3
23.1
4.9
0.6
0.5
3.2
3.7
4.1
5.4
2.4
2.8
2.4
4.2
4.25
Feb.
Mar.
19.1
22.4
4.7
0.5
0.6
3.1
3.6
4.1
5.4
2.3
2.6
2.3
4.2
4.25
Mar.
Abr.
19.1
22.0
4.4
0.5
0.6
3.1
3.5
4.0
5.3
2.3
2.6
2.3
4.2
4.25
Apr.
May.
18.9
22.0
4.4
0.5
0.5
3.2
3.4
3.9
5.3
2.3
2.7
2.3
4.3
4.25
May
Jun.
18.8
22.6
4.5
0.5
0.5
3.3
3.4
3.9
5.2
2.3
2.8
2.3
4.3
4.25
Jun.
Jul.
18.5
21.1
4.7
0.5
0.5
3.6
3.4
3.9
5.2
2.3
2.9
2.3
4.3
4.25
Jul.
Ago.
18.1
21.4
4.7
0.5
0.5
3.6
3.4
3.8
5.2
2.3
3.0
2.3
4.5
4.25
Aug.
Set.
17.6
21.0
4.7
0.5
0.5
3.7
3.5
3.8
5.3
2.3
3.1
2.3
4.3
4.25
Sep.
Oct.
16.6
21.4
4.7
0.5
0.5
3.7
3.5
3.9
5.3
2.3
3.1
2.3
4.2
4.25
Oct.
Nov.
16.4
21.5
4.5
0.5
0.5
3.5
3.5
3.9
5.3
2.3
3.0
2.3
4.2
4.00
Nov.
Dic.
15.9
20.1
4.5
0.5
0.5
3.8
3.5
3.9
5.3
2.3
3.0
2.3
4.1
4.00
Dec.
Ene.
16.0
21.4
4.5
0.4
0.5
3.9
3.5
3.9
5.2
2.3
3.0
2.3
4.1
4.00
Jan.
Feb.
15.8
21.6
4.8
0.4
0.5
4.0
3.6
3.9
5.2
2.3
3.0
2.3
4.2
4.00
Feb.
Mar.
15.6
21.2
4.9
0.4
0.5
4.1
3.7
3.9
5.2
2.3
3.0
2.3
4.0
4.00
Mar.
Abr.
15.5
20.6
5.0
0.4
0.5
4.0
3.8
4.0
5.2
2.3
3.2
2.3
4.1
4.00
Abr.
May.
15.6
21.7
5.0
0.4
0.5
3.8
4.0
4.1
5.2
2.3
3.2
2.3
4.0
4.00
May.
Jun.
16.0
22.9
5.0
0.5
0.5
3.7
4.0
4.2
5.2
2.4
3.0
2.4
4.0
4.00
Jun.
Jul.
15.9
21.5
4.7
0.4
0.5
3.7
4.1
4.2
5.2
2.4
2.9
2.4
3.8
3.75
Jul.
Ago.
15.9
21.2
4.6
0.4
0.5
3.5
4.0
4.2
5.2
2.3
2.8
2.3
3.8
3.75
Aug.
Set.
15.7
20.6
4.5
0.4
0.5
3.6
3.9
4.2
5.2
2.3
2.7
2.3
3.7
3.50
Sep.
Oct.
Nov.
Dic.
15.6
15.6
15.7
19.7
21.0
20.6
4.4
4.4
4.7
0.4
0.4
0.5
0.5
0.5
0.5
3.5
3.6
3.8
3.8
3.8
3.8
4.2
4.1
4.3
5.2
5.1
5.1
2.3
2.3
2.3
2.6
2.8
2.8
2.3
2.3
2.3
3.5
3.6
3.8
3.50
3.50
3.50
Oct.
Nov.
Dec.
16.2
16.0
16.1
19.0
18.5
19.8
4.5
4.2
4.2
0.4
0.4
0.4
0.5
0.5
0.5
3.6
3.3
3.5
3.8
3.7
3.8
4.4
4.4
4.4
5.1
5.1
5.1
2.2
2.2
2.2
2.8
2.6
2.5
2.2
2.2
2.2
3.3
3.4
3.4
3.25
3.25
3.25
Jan.
Feb.
Mar.
Dic.
2013
2013
2014
2014
2015
Ene.
Feb.
Mar.
2015
CUADRO 20
ACTIVAS / LENDING
Prstamos hasta 360 das/
Loans up to 360 days
Corporativos/
Corporate
Grandes emp.
Medianas emp.
Big
Medium enterprises
Companies
PASIVAS / DEPOSITS
Prstamos mayor a 360 das/

Loans more than 360 days
Corporativos/
Corporate
Grandes emp.
Medianas emp.
Big
Medium enterprises
Companies
TAMN
3/
FTAMN
4/
Preferencial
Corporativa
a 90 d. /
Corporate Prime
(90 days) 5/
Plazos (das) /
Term(days)
Cuenta
Corriente /
Demand
Deposits
Ahorro /
Savings
Hasta 30 d.
Up to 30
31 - 180 d.
181 - 360 d.
360 a ms/
360 and more
TIPMN
6/
FTIPMN
7/
Tasa de
Inters
Legal /
Legal Interest
Rate 8/
Tasa
Interbancaria
Promedio /
Interbank
Average Interest
Rate 9/
Tasa de
Referencia
de Poltica
monetaria /
Policy Monetary
Interest Rate 10/
2012
Dic.
2012
5.5
7.4
10.7
6.4
7.4
11.4
19.1
22.9
5.0
0.5
0.6
3.6
3.8
4.2
5.5
2.4
3.0
2.4
4.2
4.25
Dec.
5.6
5.6
5.4
5.3
5.2
5.3
5.3
5.1
5.2
5.3
5.3
5.2
7.4
7.4
7.3
7.2
7.1
7.0
6.8
6.9
6.8
6.8
6.8
6.7
10.9
10.6
10.5
10.6
10.5
10.6
10.5
10.6
10.5
10.4
10.3
10.5
6.4
6.5
6.6
6.5
6.4
6.4
6.3
6.2
6.1
6.1
6.1
6.1
7.4
7.4
7.4
7.4
7.3
7.4
7.4
7.3
7.3
7.3
7.2
7.3
11.4
11.5
11.4
11.3
11.3
11.2
11.2
11.2
11.1
11.0
11.0
10.9
19.4
19.3
19.1
19.1
18.9
18.8
18.5
18.1
17.6
16.6
16.4
15.9
23.2
23.1
22.4
22.0
22.0
22.6
21.1
21.4
21.0
21.4
21.5
20.1
5.0
4.9
4.7
4.4
4.4
4.5
4.7
4.7
4.7
4.7
4.5
4.5
0.5
0.6
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.6
0.6
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
3.5
3.2
3.1
3.1
3.2
3.3
3.6
3.6
3.7
3.7
3.5
3.8
3.8
3.7
3.6
3.5
3.4
3.4
3.4
3.4
3.5
3.5
3.5
3.5
4.2
4.1
4.1
4.0
3.9
3.9
3.9
3.8
3.8
3.9
3.9
3.9
5.5
5.4
5.4
5.3
5.3
5.2
5.2
5.2
5.3
5.3
5.3
5.3
2.4
2.4
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.9
2.8
2.6
2.6
2.7
2.8
2.9
3.0
3.1
3.1
3.0
3.0
2.4
2.4
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
4.2
4.2
4.2
4.2
4.3
4.3
4.3
4.5
4.3
4.2
4.2
4.1
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.00
4.00
Jan.
Feb.
Mar.
Apr.
May
Jun.
Jul.
Aug.
Sep.
Oct.
Nov.
Dec.
5.2
5.3
5.3
5.4
5.4
5.4
5.4
5.4
5.2
5.2
5.4
5.6
6.7
6.8
6.7
6.7
6.8
6.8
6.8
6.7
6.6
6.6
6.4
6.4
10.5
10.3
10.2
10.0
10.0
9.9
9.5
10.1
10.1
10.1
10.3
10.2
6.1
6.2
6.3
6.3
6.3
6.3
6.4
6.5
6.5
6.6
6.6
6.5
7.3
7.2
7.0
7.0
7.0
7.1
7.0
7.1
7.1
7.1
7.1
7.1
10.9
10.8
10.8
10.5
10.7
10.6
10.4
10.6
10.6
10.6
10.6
10.5
16.0
15.8
15.6
15.5
15.6
16.0
15.9
15.9
15.7
15.6
15.6
15.7
21.4
21.6
21.2
20.6
21.7
22.9
21.5
21.2
20.6
19.7
21.0
20.6
4.5
4.8
4.9
5.0
5.0
5.0
4.7
4.6
4.5
4.4
4.4
4.7
0.4
0.4
0.4
0.4
0.4
0.5
0.4
0.4
0.4
0.4
0.4
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
0.5
3.9
4.0
4.1
4.0
3.8
3.7
3.7
3.5
3.6
3.5
3.6
3.8
3.5
3.6
3.7
3.8
4.0
4.0
4.1
4.0
3.9
3.8
3.8
3.8
3.9
3.9
3.9
4.0
4.1
4.2
4.2
4.2
4.2
4.2
4.1
4.3
5.2
5.2
5.2
5.2
5.2
5.2
5.2
5.2
5.2
5.2
5.1
5.1
2.3
2.3
2.3
2.3
2.3
2.4
2.4
2.3
2.3
2.3
2.3
2.3
3.0
3.0
3.0
3.2
3.2
3.0
2.9
2.8
2.7
2.6
2.8
2.8
2.3
2.3
2.3
2.3
2.3
2.4
2.4
2.3
2.3
2.3
2.3
2.3
4.1
4.2
4.0
4.1
4.0
4.0
3.8
3.8
3.7
3.5
3.6
3.8
4.00
4.00
4.00
4.00
4.00
4.00
3.75
3.75
3.50
3.50
3.50
3.50
Jan.
Feb.
Mar.
Abr.
May.
Jun.
Jul.
Aug.
Sep.
Oct.
Nov.
Dec.
5.5
5.0
4.8
6.4
6.4
6.4
10.1
9.8
9.6
6.5
6.5
6.4
7.2
7.3
7.3
10.4
10.3
10.3
16.2
16.0
16.1
19.0
18.5
19.8
4.5
4.2
4.2
0.4
0.4
0.4
0.5
0.5
0.5
3.6
3.3
3.5
3.8
3.7
3.8
4.4
4.4
4.4
5.1
5.1
5.1
2.2
2.2
2.2
2.8
2.6
2.5
2.2
2.2
2.2
3.3
3.4
3.4
3.25
3.25
3.25
Jan.
Feb.
Mar.
2013
Ene.
Feb.
Mar.
Abr.
May.
Jun.
Jul.
Ago.
Set.
Oct.
Nov.
Dic.
2013
2014
Ene.
Feb.
Mar.
Abr.
May.
Jun.
Jul.
Ago.
Set.
Oct.
Nov.
Dic.
2014
2015
Ene.
Feb.
Mar.
2015
La Informacin sobre tasas de inters para pequea empresa, microempresa, consumo e hipotecario, esta disponible en la versin electrnica de la Nota Semanal, en www.bcrp.gob.pe
1/ La informacin de este cuadro se ha actualizado en la Nota Semanal N 13 (10 de abril de 2015).
2/ Tasas de inters promedio ponderado de las empresas bancarias en el perodo, construdas a partir de los saldos totales de colocaciones y depsitos.
3/ Promedio del perodo construdo a partir de la tasa TAMN diariamente publicada por la SBS. La TAMN es la tasa activa de mercado promedio ponderado en moneda nacional, expresada en trminos efectivos anuales.
4/ Promedio del perodo construdo a partir de la tasa FTAMN diariamente publicada por la SBS. La FTAMN es la tasa activa promedio de mercado de las operaciones realizadas en los ltimos 30 das tiles.
5/ Promedio de las tasas de inters a las cuales las principales empresas bancarias estn dispuestas a ofrecer prstamos a 90 das a sus clientes corporativos de menor riesgo, en la modalidad de avances en cuenta corriente.
6/ Promedio del perodo construdo a partir de la tasa TIPMN diariamente publicada por la SBS. La TIPMN es la tasa pasiva de mercado promedio ponderado en moneda nacional, expresada en trminos efectivos anuales.
7/ Promedio del perodo construdo a partir de la tasa FTIPMN diariamente publicada por la SBS. La FTIPMN es la tasa pasiva promedio de mercado de las operaciones realizadas en los ltimos 30 das tiles.
8/ Promedio del perodo construdo a partir de la tasa pasiva en moneda nacional publicada por la SBS. La tasa de inters legal en moneda nacional es equivalente a la TIPMN a partir del 2001.11.21.
9/ Promedio ponderado de las tasas de inters de las operaciones interbancarias efectuadas en el perodo.
10/ Tasa anunciada por el Directorio del BCRP en el mes.
Fuente: Superintendencia de Banca, Seguros y AFP; Reportes N 6-A y 6-B. Subgerencia de Operaciones de Poltica Monetaria - Departamento de Operaciones Monetarias y Cambiarias (tasa preferencial corporativa y tasa interbancaria)

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