Professional Documents
Culture Documents
AVERAGE LENDING AND DEPOSIT INTEREST RATES OF COMMERCIAL BANKS - DOMESTIC CURRENCY (Annual effective rates) 1/ 2/
CUADRO 20
ACTIVAS / LENDING
CORPORATIVOS
CORPORATE
Descuento/
Discount
GRANDES EMPRESAS/
BIG COMPANIES
Prstamos /
Loans
Prstamos /
Loans
Descuento/
MEDIANAS EMPRESAS/
MEDIUM ENTERPRISES
Prstamos /
Loans
Descuento/
PEQUEAS EMPRESAS/
SMALL ENTERPRISES
Prstamos /
Loans
Descuento/
MICROEMPRESAS/
MICROBUSINESSES
Prstamos /
Loans
Descuentos/
CONSUMO/
CONSUMPTION
Tarjeta de
Crdito/
Prstamos /
Loans
HIPOTECARIO/
MORTGAGE
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
Discount
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
Discount
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
Discount
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
Discount
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
Credit card
Hasta 360 d.
Up to 360 days
Ms de 360 d.
more than 360 days
5.6
4.4
4.9
5.8
5.8
5.9
9.2
9.5
11.0
14.9
24.5
24.9
16.5
42.3
35.5
38.0
59.7
19.9
9.8
5.9
6.9
7.3
7.3
4.4
5.5
5.7
5.6
5.1
5.7
5.7
6.3
5.9
6.8
7.2
7.1
6.0
6.5
7.0
7.2
6.4
6.8
7.1
7.2
9.2
9.9
10.0
10.1
9.6
9.8
9.8
10.2
11.1
11.2
10.7
11.0
15.8
15.8
16.0
15.7
24.7
24.5
23.7
24.0
24.7
24.1
23.6
23.2
17.3
16.8
15.9
14.9
43.2
41.7
41.6
40.8
35.5
34.5
33.0
31.9
37.6
37.5
35.7
35.8
58.3
58.8
59.8
42.7
20.0
20.2
20.1
19.1
9.8
9.8
9.8
9.7
Ene.
7.4
5.7
6.3
7.1
7.0
7.2
10.2
10.2
11.0
15.6
23.8
23.2
16.0
41.0
31.9
35.7
37.3
18.9
9.7
Feb.
7.5
5.7
6.2
7.1
6.9
7.2
10.3
10.2
11.0
15.9
23.7
23.2
14.5
41.2
31.8
35.2
37.0
18.9
9.7
Mar.
7.5
5.7
6.3
7.1
6.9
7.2
10.3
10.6
11.1
15.8
23.6
23.2
14.2
40.6
31.7
35.6
40.7
18.9
9.7
Abr.
7.2
5.7
6.3
7.2
6.9
7.3
10.3
10.8
11.1
16.0
23.6
23.1
13.8
41.6
31.8
35.9
47.8
18.9
9.7
May.
7.2
5.7
6.3
7.2
7.0
7.3
10.3
10.8
11.1
16.0
23.3
23.1
14.4
41.7
31.7
36.2
51.0
19.0
9.7
Jun.
7.1
5.8
6.3
7.3
7.1
7.3
10.3
10.9
11.2
15.9
23.3
23.1
14.1
41.7
31.5
36.6
44.8
19.0
9.7
Jul.
6.8
5.8
6.3
7.5
7.1
7.4
10.3
10.8
11.2
15.8
23.3
23.1
13.6
41.6
31.8
36.7
45.7
18.9
9.7
Ago.
6.8
5.8
6.3
7.5
7.1
7.4
10.3
10.8
11.3
15.8
23.2
23.0
13.1
42.0
31.8
37.4
50.7
19.1
9.6
Set.
6.8
5.7
6.3
7.5
7.2
7.4
10.3
10.8
11.2
15.8
23.2
23.0
12.3
41.6
31.6
37.4
80.4
20.3
9.6
Oct.
6.9
5.6
6.2
7.4
7.3
7.4
10.2
10.8
11.3
15.5
23.2
22.9
12.6
42.3
31.7
37.3
81.0
20.4
9.6
Nov.
6.9
5.6
6.3
7.5
7.4
7.4
10.1
10.7
11.3
15.7
23.3
22.9
12.8
40.1
31.7
37.3
78.6
20.3
9.6
Dic.
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
31.9
37.4
81.8
20.4
9.5
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
42.1
33.7
38.4
86.3
20.5
9.5
Feb.
Mar. 1-5
Mar. 1-12
Mar. 1-19
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
42.1
31.9
38.9
87.3
20.5
9.5
6.9
7.0
7.0
5.4
5.4
5.4
6.6
6.6
6.6
7.3
7.3
7.4
7.4
7.4
7.4
7.4
7.4
7.4
10.3
10.3
10.3
10.5
10.5
10.5
11.5
11.5
11.5
15.8
15.8
15.8
23.1
23.1
23.1
22.8
22.8
22.8
13.3
13.5
13.8
42.5
42.1
41.7
32.0
31.9
31.9
39.0
39.0
39.1
88.9
89.0
89.1
20.5
20.5
20.6
9.5
9.5
9.5
2010
Dic.
2011
Mar.
Jun.
Set.
Dic.
2012
2013
CUADRO 20
ACTIVAS /
LENDING
PASIVAS / DEPOSITS
CORPORATIVOS
CORPORATE
TAMN
FTAMN
3/
4/
Preferencial
Corporativa
a 90 d. /
Corporate
Prime
(90 days) 5/
Cuenta
Corriente /
Demand
Deposits
Ahorro /
Savings
Plazos (das) /
Term(days)
hasta 30 d.
Up to 30
31 - 180 d.
181 - 360 d.
360 a ms/
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/
2010
2010
18.7
22.8
3.6
0.6
0.5
2.2
2.9
3.8
5.6
1.8
1.8
1.8
3.0
3.00
Dec.
18.7
18.6
18.7
18.9
22.7
22.7
22.7
21.3
4.4
5.6
5.3
5.4
0.4
0.7
0.7
0.7
0.6
0.5
0.6
0.6
3.1
4.3
4.1
3.9
3.0
3.6
4.3
4.1
4.0
4.3
4.6
4.7
5.6
5.7
5.8
5.6
2.0
2.5
2.6
2.5
2.5
3.6
3.3
3.2
2.0
2.5
2.6
2.5
3.7
4.3
4.3
4.2
3.75
4.25
4.25
4.25
Mar.
Jun.
Sep.
Dec.
Ene.
19.0
21.4
5.3
0.7
0.6
3.8
4.0
4.7
5.5
2.5
3.1
2.5
4.2
4.25
Jan.
Feb.
18.8
21.9
5.3
0.7
0.6
3.7
4.0
4.7
5.5
2.5
3.2
2.5
4.2
4.25
Feb.
Mar.
19.0
21.9
5.3
0.7
0.6
3.7
3.9
4.5
5.5
2.5
3.2
2.5
4.3
4.25
Mar.
Abr.
19.2
21.2
5.3
0.6
0.6
3.7
3.9
4.4
5.5
2.4
3.2
2.4
4.2
4.25
Apr.
May.
19.3
21.6
5.2
0.6
0.6
3.7
3.9
4.3
5.5
2.5
3.1
2.5
4.2
4.3
May.
Jun.
19.6
22.3
5.2
0.6
0.6
3.7
3.9
4.3
5.5
2.5
3.2
2.5
4.2
4.3
Jun.
Jul.
19.5
21.8
5.2
0.5
0.7
3.8
3.9
4.3
5.5
2.5
3.3
2.5
4.2
4.3
Jul.
Ago.
19.4
21.7
5.2
0.5
0.6
3.7
3.9
4.2
5.5
2.4
3.2
2.4
4.2
4.3
Aug.
Set.
19.3
22.4
5.1
0.5
0.6
3.6
3.8
4.2
5.5
2.5
3.1
2.5
4.2
4.3
Sep.
Oct.
19.3
23.1
5.1
0.5
0.6
3.6
3.8
4.2
5.5
2.4
3.1
2.4
4.2
4.3
Oct.
Nov.
19.3
23.0
5.1
0.5
0.6
3.6
3.8
4.2
5.5
2.4
3.1
2.4
4.2
4.3
Nov.
Dic.
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
4.3
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
4.3
Jan.
Feb.
Mar. 1-5
Mar. 1-12
Mar. 1-19
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
4.3
19.1
19.1
19.0
22.5
22.5
22.6
4.9
4.8
4.8
0.6
0.5
0.5
0.5
0.5
0.5
3.2
3.1
3.1
3.7
3.6
3.6
4.1
4.1
4.1
5.4
5.4
5.4
2.3
2.3
2.3
2.6
2.6
2.6
2.3
2.3
2.3
4.2
4.2
4.2
4.3
4.3
4.3
Feb.
Mar. 1-5
Mar. 1-12
Mar. 1-19
Dic.
2011
Mar.
Jun.
Set.
Dic.
2011
2012
2012
2013
2013
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/
CUADRO 20
ACTIVAS / LENDING
Prstamos hasta 360 das/
Loans up to 360 days
PASIVAS / DEPOSITS
FTAMN
4/
Preferencial
Corporativa
a 90 d. /
Corporate Prime
(90 days) 5/
11.0
18.7
22.8
3.6
0.6
6.4
6.8
7.1
7.2
11.1
11.2
10.7
11.0
18.7
18.6
18.7
18.9
22.7
22.7
22.7
21.3
4.4
5.6
5.3
5.4
6.3
6.2
6.3
6.3
6.3
6.3
6.3
6.3
6.3
6.2
6.3
6.4
7.2
7.2
7.2
7.3
7.3
7.3
7.4
7.4
7.4
7.4
7.4
7.4
11.0
11.0
11.1
11.1
11.1
11.2
11.2
11.3
11.2
11.3
11.3
11.4
19.0
18.8
19.0
19.2
19.3
19.6
19.5
19.4
19.3
19.3
19.3
19.1
21.4
21.9
21.9
21.2
21.6
22.3
21.8
21.7
22.4
23.1
23.0
22.9
6.4
6.5
6.6
6.6
6.6
7.4
7.4
7.4
7.4
7.4
11.4
11.5
11.5
11.5
11.5
19.4
19.3
19.1
19.1
19.0
23.2
23.1
22.5
22.5
22.6
Corporativos/
Corporate
Grandes emp.
Big
Companies
Medianas emp.
Medium
enterprises
Corporativos/
Corporate
Grandes emp.
Big
Companies
Medianas emp.
Medium
enterprises
4.4
5.8
9.5
4.9
5.9
4.4
5.5
5.7
5.6
6.0
6.5
7.0
7.2
9.6
9.8
9.8
10.2
5.1
5.7
5.7
6.3
5.7
5.7
5.7
5.7
5.7
5.8
5.8
5.8
5.7
5.6
5.6
5.5
7.0
6.9
6.9
6.9
7.0
7.1
7.1
7.1
7.2
7.3
7.4
7.4
10.2
10.2
10.6
10.8
10.8
10.9
10.8
10.8
10.8
10.8
10.7
10.7
5.6
5.6
5.4
5.4
5.4
7.4
7.4
7.4
7.4
7.4
10.9
10.6
10.5
10.5
10.5
Plazos (das) /
Term(days)
Cuenta
Corriente /
Demand
Deposits
Ahorro /
Savings
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/
TIPMN
6/
FTIPMN
7/
5.6
1.8
1.8
1.8
3.0
3.00
Dec.
4.0
4.3
4.6
4.7
5.6
5.7
5.8
5.6
2.0
2.5
2.6
2.5
2.5
3.6
3.3
3.2
2.0
2.5
2.6
2.5
3.7
4.3
4.3
4.2
3.75
4.25
4.25
4.25
Mar.
Jun.
Sep.
Dec.
4.0
4.0
3.9
3.9
3.9
3.9
3.9
3.9
3.8
3.8
3.8
3.8
4.7
4.7
4.5
4.4
4.3
4.3
4.3
4.2
4.2
4.2
4.2
4.2
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
5.5
2.5
2.5
2.5
2.4
2.5
2.5
2.5
2.4
2.5
2.4
2.4
2.4
3.1
3.2
3.2
3.2
3.1
3.2
3.3
3.2
3.1
3.1
3.1
3.0
2.5
2.5
2.5
2.4
2.5
2.5
2.5
2.4
2.5
2.4
2.4
2.4
4.2
4.2
4.3
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
4.25
Jan.
Feb.
Mar.
Apr.
May.
Jun.
Jul.
Aug.
Sep.
Oct.
Nov.
Dec.
3.8
3.7
3.7
3.6
3.6
4.2
4.1
4.1
4.1
4.1
5.5
5.4
5.4
5.4
5.4
2.4
2.4
2.3
2.3
2.3
2.9
2.8
2.6
2.6
2.6
2.4
2.4
2.3
2.3
2.3
4.2
4.2
4.2
4.2
4.2
4.25
4.25
4.25
4.25
4.25
Jan.
Feb.
Mar. 1-5
Mar. 1-12
Mar. 1-19
Hasta 30 d.
Up to 30
31 - 180 d.
181 - 360 d.
360 a ms/
360 and more
0.5
2.2
2.9
3.8
0.4
0.7
0.7
0.7
0.6
0.5
0.6
0.6
3.1
4.3
4.1
3.9
3.0
3.6
4.3
4.1
5.3
5.3
5.3
5.3
5.2
5.2
5.2
5.2
5.1
5.1
5.1
5.0
0.7
0.7
0.7
0.6
0.6
0.6
0.5
0.5
0.5
0.5
0.5
0.5
0.6
0.6
0.6
0.6
0.6
0.6
0.7
0.6
0.6
0.6
0.6
0.6
3.8
3.7
3.7
3.7
3.7
3.7
3.8
3.7
3.6
3.6
3.6
3.6
5.0
4.9
4.9
4.8
4.8
0.5
0.6
0.6
0.5
0.5
0.5
0.5
0.5
0.5
0.5
3.5
3.2
3.2
3.1
3.1
2010
Dic.
2010
2011
Mar.
Jun.
Set.
Dic.
2011
2012
Ene.
Feb.
Mar.
Abr.
May.
Jun.
Jul.
Ago.
Set.
Oct.
Nov.
Dic.
2012
2013
Ene.
Feb.
Mar. 1-5
Mar. 1-12
Mar. 1-19
2013
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 12 (22 de marzo de 2013).
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)