CIFRAS MILES DE Q.

Gastos Op. Y Admon

GASTOS
1 EL CRÉDITO HIPOTECARIO NACIONAL DE GUATEMAL 20,151
2 BANCO DE LOS TRABAJADORES 50,904
3 BANCO INMOBILIARIO, S. A. 4,652
4 BANCO INDUSTRIAL, S. A. 126,872
5 BANCO DE DESARROLLO RURAL, S. A. 217,700
6 BANCO INTERNACIONAL, S. A. 21,283
7 BANCO REFORMADOR, S. A. 20,965
8 VIVIBANCO, S. A. 2,570
9 BANCO PROMERICA, S. A. 34,134
10 BANCO FICOHSA GUATEMALA, S. A. 25,602
11 BANCO DE ANTIGUA, S. A. 34,861
12 BANCO DE AMÉRICA CENTRAL, S. A. 19,333
13 BANCO CITIBANK DE GUATEMALA, S. A. 91,703
14 BANCO AGROMERCANTIL DE GUATEMALA, S. A. 73,664
15 BANCO G&T CONTINENTAL, S. A. 89,516
16 BANCO DE CRÉDITO, S. A. 2,792
17 BANCO AZTECA DE GUATEMALA, S. A. 67,292
Fuente: Superintendencia de Bancos (Diciembre, 2013)

Utilizar la siguiente fórmula, realizando las operacion

b  (X   X ) X 1
X  X X'= X transpuesta
Multiplicar matrices

( X   X ) 1 Y estimado=
Y-Yestimado=

X Y
( X  X ) X Y
 1
 CIFRAS MILES DE Q.

Constante ACTIVOS TOTALES AGENCIAS

Constante ACTIVOS AGENCIAS Y estimado Error Error ^2

1 3,005,003 84 31,163.23 (11,012.23) 121,269,199.98
1 12,792,720 139 43,618.56 7,285.44 53,077,626.71
1 1,038,127 48 24,768.52 (20,116.52) 404,674,440.52
1 62,352,122 456 112,692.94 14,179.06 201,045,776.86
1 42,294,373 1140 211,453.61 6,246.39 39,017,444.05
1 5,305,521 56 27,706.18 (6,423.18) 41,257,242.22
1 10,926,556 112 38,667.71 (17,702.71) 313,385,953.41
1 432,703 9 18,444.89 (15,874.89) 252,012,044.77
1 3,251,008 46 25,332.72 8,801.28 77,462,589.80
1 1,561,665 74 29,031.76 (3,429.76) 11,763,260.20
1 1,333,336 82 30,189.34 4,671.66 21,824,435.91
1 5,904,486 59 28,411.33 (9,078.33) 82,416,147.82
1 5,590,399 67 29,534.95 62,168.05 3,864,865,937.42
1 18,076,756 235 60,686.57 12,977.43 168,413,675.99
1 42,679,770 587 125,339.39 (35,823.39) 1,283,315,015.42
1 763,409 11 18,887.83 (16,095.83) 259,075,616.95
1 1,564,142 196 48,064.48 19,227.52 369,697,496.14
17x3 7,564,573,904.18
540,326,707.44

do las operaciones matriciales indicadas para estimar

( X   X ) X Y 1 Pasos
(=MMULT) Multiplicar matrices
(=Minversa)Invertir matrices

XB
error constante
X Constante ACTIVOS AGENCIAS
1 3,005,003 84
1 12,792,720 139
1 1,038,127 48
1 62,352,122 456
1 42,294,373 1140
1 5,305,521 56
1 10,926,556 112
1 432,703 9
1 3,251,008 46
1 1,561,665 74
1 1,333,336 82
1 5,904,486 59
1 5,590,399 67
1 18,076,756 235
1 42,679,770 587
1 763,409 11
1 1,564,142 196

X' Constante 1 1 1 1
ACTIVOS 3,005,003 12,792,720 1,038,127 62,352,122
AGENCIAS 84 139 48 456

X' * X 17 218872096 3401

218872096 8230350311665800 110966765573
3401 110966765573 2012595

(X'*X)^-1 0.092701283 -1.3761657858E-09 -8.077551562E-05 50,088,979.26

-1.37617E-09 4.93898863582E-16 -2.490616322E-11 - 0.74
 -8.07755E-05 -2.4906163224E-11 2.0066003863E-06 - 43,645.17
3x3 3x1
X'Y 903994
2.42617E+13
415271264

(X' * X)^-1 X'Ycoeficientes Desv Coef

bo 16869.57764
b activos 0.00039595
b agencias 155.997861
3x1
 1 1 1 1 1 1
42,294,373 5,305,521 10,926,556 432,703 3,251,008 1,561,665
1140 56 112 9 46 74

- 0.74 - 43,645.17
0.00 - 0.01
- 0.01 1,084.22
 1 1 1 1 1 1
1,333,336 5,904,486 5,590,399 18,076,756 42,679,770 763,409
82 59 67 235 587 11
 1
1,564,142
196