PRESUPUESTO CONSOLIDADO AO 2015

TASA PROMEDIO
DE INTERES VALOR INGRESO
COLOCACIONES VALOR COLOCADO EFECTIVA INTERESES
CREDITO VIVIENDA $ 1,100,000,000 10% $ 103,644,819
CREDITO CONSUMO $ 1,400,000,000 29.52% $ 366,062,314
MICROCREDITO $ 900,000,000 52% $ 384,471,412
CREDITO COMERCIAL $ 2,100,000,000 18% $ 349,988,445
TOTAL $ 5,500,000,000 $ 1,204,166,990

OTROS INGRESOS
RECUPERACION DE CARTERA
VENTA CHEQUERAS $ 30,000,000
INTERESES DE MORA $ 900,000
COMISIONES I $ 16,000,000
TOTAL OTROS INGRESOS $ 46,900,000
TOTAL INGRESOS $ 1,251,066,990

TASA DE INTERES
GASTOS FINANCIEROS VALOR CAPTADO EFECTIVA VALOR PAGADO
CUENTAS CORRIENTES $ 1,200,000,000 2% $ 24,000,000
CUENTAS DE AHORRO $ 1,300,000,000 3% $ 38,473,808
CDTS $ 3,400,000,000 4% $ 133,568,583
GASTOS PROVISIONES $ 55,000,000
TOTAL $ 5,900,000,000 $ 251,042,392
OK
GASTOS ADMINISTRATIVOS
PERSONAL $ 113,600,000
IMPUESTOS
SEGURIDAD $ 65,000,000
COMUNICACIN $ 86,000,000
CAFETERIA $ 66,000,000
MANTENIMIENTO $ 100,000,000
TOTAL $ 430,600,000
TOTAL GASTOS $ 681,642,392
SUPERAVIT $ 569,424,598

En el mes de Marzo, mayo y agosto se deben pagar proporcionlmente los impuestos que corresponden al 33% del
superavit del ao anterior
En el mes de junio se recibiran ingresos por recuperacin de cartera iguales al 25% del total de la cartera comercial
colocada en el ao anterior
En septiembre se espera que las tasas efectivas de colocacin de microcrdito bajen 0,5%, que se mantendrtn
hasta el fin de ao
En el mes de noviembre con el fin de fidelizar al cliente se incrementarn las tasas efectivas de captacin en el
0,4%
 ENERO

TASA DE
INTERES
No. CLIENTES VALOR COLOCADO MENSUAL VALOR INGRESO No. CLIENTES
44 $ 500,000,000 1% $ 3,911,882 25
65 $ 1,200,000,000 2% $ 25,889,758 30
34 $ 1,900,000,000 4% $ 66,559,346 32
50 $ 1,000,000,000 1% $ 13,800,800 20
193 $ 4,600,000,000 $ 110,161,785 107

$ 250,000,000
$ 15,000,000
$ 20,000,000
$ 285,000,000
$ 395,161,785

TASA DE
INTERES
No. CLIENTES VALOR CAPTADO MENSUAL VALOR PAGADO No. CLIENTES
24 8,500,000,000 0.17% $ 14,038,441 30
43 1,000,000,000 0.25% $ 2,466,270 50
50 2,000,000,000 0.33% $ 6,547,480 45
$ 46,000,000
117 11,500,000,000 $ 69,052,190 125
OK

$ 45,000,000

$ 45,000,000
$ 40,000,000
$ 30,000,000
$ 45,000,000
$ 205,000,000
$ 274,052,190
$ 121,109,595

os que corresponden al 33% del

del total de la cartera comercial

n 0,5%, que se mantendrtn

fectivas de captacin en el
 FEBRERO MARZO

TASA DE
INTERES
VALOR COLOCADO MENSUAL VALOR INGRESO No. CLIENTES VALOR COLOCADO
$ 1,000,000,000 1% $ 7,823,764 66 $ 1,300,000,000
$ 1,900,000,000 2% $ 40,992,117 50 $ 1,000,000,000
$ 1,000,000,000 4% $ 35,031,235 40 $ 700,000,000
$ 1,600,000,000 1% $ 22,081,280 44 $ 1,800,000,000
$ 5,500,000,000 $ 105,928,395 200 $ 4,800,000,000

$ 300,000,000
$ 15,000,000
$ 18,000,000
$ 333,000,000
$ 438,928,395

TASA DE
INTERES
VALOR CAPTADO MENSUAL VALOR PAGADO No. CLIENTES VALOR CAPTADO
6,300,000,000 0.17% $ 10,404,962.2 21 7,000,000,000
1,500,000,000 0.25% $ 3,699,404.7 40 1,200,000,000
2,700,000,000 0.33% $ 8,839,097.4 54 3,800,000,000
$ 55,000,000
10,500,000,000 $ 77,943,464 115 12,000,000,000
OK OK

$ 50,000,000

$ 40,000,000
$ 37,000,000
$ 44,000,000
$ 50,000,000
$ 221,000,000
$ 298,943,464
$ 139,984,931
 MARZO ABRIL

TASA DE
TASA DE INTERES INTERES
MENSUAL VALOR INGRESO No. CLIENTES VALOR COLOCADO MENSUAL
1% $ 10,170,893 45 $ 1,500,000,000 1%
2% $ 21,574,798 23 $ 1,300,000,000 2%
4% $ 24,521,864 30 $ 700,000,000 4%
1% $ 24,841,439 52 $ 1,900,000,000 1%
$ 81,108,995 150 $ 5,400,000,000

$ 300,000,000
$ 20,000,000
$ 26,000,000
$ 346,000,000
$ 427,108,995

TASA DE
TASA DE INTERES INTERES
MENSUAL VALOR PAGADO No. CLIENTES VALOR CAPTADO MENSUAL
0.17% $ 11,561,069 31 1,200,000,000 0.17%
0.25% $ 2,959,524 44 1,400,000,000 0.25%
0.33% $ 12,440,211 43 3,100,000,000 0.33%
$ 48,000,000
$ 74,960,804 118 5,700,000,000
OK

$ 60,000,000
$ 62,636,706
$ 55,000,000
$ 40,000,000
$ 53,000,000
$ 50,000,000
$ 258,000,000
$ 332,960,804
$ 94,148,191
ABRIL MAYO

TASA DE INTERES
VALOR INGRESO No. CLIENTES VALOR COLOCADO MENSUAL VALOR INGRESO
$ 11,735,646 40 $ 900,000,000 1% $ 7,041,388
$ 28,047,238 55 $ 1,000,000,000 2% $ 21,574,798
$ 24,521,864 46 $ 1,400,000,000 4% $ 49,043,728
$ 26,221,519 55 $ 1,900,000,000 1% $ 26,221,519
$ 90,526,268 196 $ 5,200,000,000 $ 103,881,434

$ 16,000,000 18,000,000
$ 900,000 1,000,000
$ 14,500,000 15,000,000
$ 31,400,000 34,000,000
$ 121,926,268 137,881,434

TASA DE INTERES
VALOR PAGADO No. CLIENTES VALOR CAPTADO MENSUAL VALOR PAGADO
$ 1,981,898 26 1,400,000,000 0.17% $ 2,312,214
$ 3,452,778 33 1,200,000,000 0.25% $ 2,959,524
$ 10,148,593 60 3,700,000,000 0.33% $ 12,112,837
$ 54,000,000 119 $ 52,000,000
$ 69,583,269 6,300,000,000 $ 69,384,575
OK

$ 180,000,000 $ -

$ 64,000,000 $ 54,000,000
$ 90,000,000 $ 96,000,000
$ 70,000,000 $ 72,200,000
$ 97,000,000 $ 134,000,000
$ 501,000,000 $ 521,700,000
$ 570,583,269 $ 591,084,575
$ -448,657,001 $ -453,203,141
 PRESUPUESTO PROYECTADO AO 2013
JUNIO

TASA DE
INTERES
No. CLIENTES VALOR COLOCADO MENSUAL VALOR INGRESO No. CLIENTES
43 $ 1,500,000,000 1% $ 11,735,646 53
33 $ 1,200,000,000 2% $ 25,889,758 54
52 $ 800,000,000 4% $ 28,024,988 23
45 $ 2,600,000,000 1% $ 35,882,079 61
173 $ 6,100,000,000 $ 101,532,471 191

$ 8,970,520
$ 15,000,000
$ 1,000,000
$ 20,000,000
$ 44,970,520
$ 146,502,991

TASA DE
INTERES
No. CLIENTES VALOR CAPTADO MENSUAL VALOR PAGADO No. CLIENTES
27 1,700,000,000 0.17% $ 2,807,688 33
39 1,600,000,000 0.25% $ 3,946,032 45
54 2,800,000,000 0.33% $ 9,166,471 49
$ 61,000,000
120 6,100,000,000 $ 76,920,191 127
OK

$ 169,000,000

$ 70,000,000
$ 97,000,000
$ 75,000,000
$ 122,000,000
$ 533,000,000
$ 609,920,191
$ -463,417,200
DO AO 2013
JULIO AGOSTO

TASA DE
INTERES
VALOR COLOCADO MENSUAL VALOR INGRESO No. CLIENTES VALOR COLOCADO
$ 900,000,000 1% $ 7,041,388 45 $ 1,400,000,000
$ 1,200,000,000 2% $ 25,889,758 50 $ 1,500,000,000
$ 1,300,000,000 4% $ 45,540,605 45 $ 1,200,000,000
$ 2,200,000,000 1% $ 30,361,759 33 $ 1,600,000,000
$ 5,600,000,000 $ 108,833,510 173 $ 5,700,000,000

$ 12,000,000
$ 1,200,000
$ 18,000,000
$ 31,200,000
$ 140,033,510

TASA DE
INTERES
VALOR CAPTADO MENSUAL VALOR PAGADO No. CLIENTES VALOR CAPTADO
900,000,000 0.17% $ 1,486,423 33 1,000,000,000
1,900,000,000 0.25% $ 4,685,913 48 2,000,000,000
3,100,000,000 0.33% $ 10,148,593 24 2,800,000,000
$ 56,000,000
5,900,000,000 $ 72,320,929 105 5,800,000,000
OK OK

$ 150,000,000

$ 59,000,000
$ 90,000,000
$ 57,000,000
$ 103,000,000
$ 459,000,000
$ 531,320,929
$ -391,287,419
 AGOSTO SEPTIEMBRE

TASA DE
TASA DE INTERES INTERES
MENSUAL VALOR INGRESO No. CLIENTES VALOR COLOCADO MENSUAL
1% $ 10,953,270 30 $ 900,000,000 1%
2% $ 32,362,198 40 $ 1,600,000,000 2%
4% $ 42,037,481 25 $ 1,000,000,000 3.06%
1% $ 22,081,280 43 $ 2,200,000,000 1%
$ 107,434,228 138 $ 5,700,000,000

$ 10,000,000
$ 1,000,000
$ 21,000,000
$ 32,000,000
$ 139,434,228

TASA DE
TASA DE INTERES INTERES
MENSUAL VALOR PAGADO No. CLIENTES VALOR CAPTADO MENSUAL
0.17% $ 1,651,581 1,000,000,000 0.17%
0.25% $ 4,932,540 1,600,000,000 0.25%
0.33% $ 9,166,471 3,200,000,000 0.33%
$ 57,000,000
$ 72,750,592 5,800,000,000
OK

$ 155,000,000

$ 70,000,000
$ 90,000,000
$ 57,000,000
$ 110,000,000
$ 482,000,000
$ 554,750,592
-$ 137,054,400 -$ 415,316,364 -$ 278,261,964
SEPTIEMBRE OCTUBRE

TASA DE
INTERES
VALOR INGRESO No. CLIENTES VALOR COLOCADO MENSUAL VALOR INGRESO No. CLIENTES
$ 7,041,388 28 $ 1,200,000,000 1% $ 9,388,517 44
$ 34,519,677 41 $ 1,200,000,000 2% $ 25,889,758 62
$ 30,178,269 36 $ 1,500,000,000 3.06% $ 45,267,403 45
$ 30,361,759 52 $ 1,900,000,000 1% $ 26,221,519 23
$ 102,101,093 157 $ 5,800,000,000 $ 106,767,198 174

$ 19,000,000 $ 14,000,000
$ 1,000,000 $ 900,000
$ 15,000,000 $ 12,000,000
$ 35,000,000 $ 26,900,000
$ 137,101,093 $ 133,667,198

TASA DE
INTERES
VALOR PAGADO No. CLIENTES VALOR CAPTADO MENSUAL VALOR PAGADO No. CLIENTES
$ 1,651,581 33 1,000,000,000 0.17% $ 1,651,581
$ 3,946,032 37 1,700,000,000 0.25% $ 4,192,659
$ 10,475,967 52 3,200,000,000 0.33% $ 10,475,967
$ 57,000,000 $ 58,000,000
$ 73,073,580 122 5,900,000,000 $ 74,320,207
OK

$ 150,000,000 $ 160,000,000

$ 70,000,000 $ 72,000,000
$ 82,000,000 $ 80,000,000
$ 48,000,000 $ 65,000,000
$ 115,000,000 $ 100,000,000
$ 465,000,000 $ 477,000,000
$ 538,073,580 $ 551,320,207
-$ 400,972,487 -$ 417,653,010
 NOVIEMBRE DICIEMBRE

TASA DE TASA DE
INTERES INTERES
VALOR COLOCADO MENSUAL VALOR INGRESO No. CLIENTES VALOR COLOCADO MENSUAL
$ 900,000,000 1% $ 7,041,388 51 $ 1,000,000,000 1%
$ 1,100,000,000 2% $ 23,732,278 30 $ 1,300,000,000 2%
$ 1,300,000,000 3.06% $ 39,231,750 49 $ 800,000,000 3.06%
$ 1,700,000,000 1% $ 23,461,360 44 $ 1,500,000,000 1%
$ 5,000,000,000 $ 93,466,775 174 $ 4,600,000,000

7,000,000
1,100,000
15,000,000
23,100,000
116,566,775

TASA DE TASA DE
INTERES INTERES
VALOR CAPTADO MENSUAL VALOR PAGADO No. CLIENTES VALOR CAPTADO MENSUAL
$ 800,000,000 0.57% $ 4,521,265 29 1,000,000,000 0.17%
$ 1,500,000,000 0.65% $ 9,699,405 35 1,100,000,000 0.25%
$ 2,800,000,000 0.73% $ 20,366,471 47 3,000,000,000 0.33%
$ 50,000,000
$ 5,100,000,000 $ 84,587,141 111 5,100,000,000
OK OK

$ 166,000,000

$ 56,000,000
$ 78,000,000
$ 70,000,000
$ 100,000,000
$ 470,000,000
$ 554,587,141
-$ 438,020,366
 CONSOLIDADO AO 2016
DICIEMBRE

TASA DE
INTERES
VALOR INGRESO No. CLIENTES VALOR COLOCADO EFECTIVA VALOR INGRESO No. CLIENTES
$ 7,823,764 48 $ 900,000,000 1% $ 7,041,388 51
$ 28,047,238 40 $ 1,300,000,000 2% $ 28,047,238 42
$ 24,142,615 39 $ 1,000,000,000 3% $ 33,415,970 38
$ 20,701,200 51 $ 2,000,000,000 1% $ 27,601,599 25
$ 80,714,817 178 $ 5,200,000,000 $ 96,106,195 156

$ 13,000,000 $ 14,000,000
$ 900,000 $ 900,000
$ 13,000,000 $ 12,000,000
$ 26,900,000 $ 26,900,000
$ 107,614,817 $ 123,006,195

TASA DE
INTERES
VALOR PAGADO No. CLIENTES VALOR CAPTADO EFECTIVA VALOR PAGADO No. CLIENTES
$ 1,651,581 33 1,000,000,000 0.17% $ 1,651,581 30
$ 2,712,897 26 1,100,000,000 0.25% $ 2,712,897 45
$ 9,821,219 51 3,100,000,000 0.33% $ 10,148,593 61
$ 46,000,000 $ 52,000,000
$ 60,185,697 110 5,200,000,000 $ 66,513,071 136
OK

$ 180,000,000 $ 153,600,000

$ 45,000,000 $ 63,000,000
$ 55,800,000 $ 93,000,000
$ 47,400,000 $ 65,000,000
$ 110,000,000 $ 110,000,000
$ 438,200,000 $ 484,600,000
$ 498,385,697 $ 551,113,071
-$ 390,770,881 -$ 428,106,876
VARIACION
-1372%
-1205%
-1051%
-1168%

-93%
-93%
-92%