Professional Documents
Culture Documents
Cuadros Estadsticos
PRESENTACIN
NDICE
1
Sistema Financiero - Estructura..
2
Sistema Financiero - Principales Cuentas
3
Sistema Financiero - Indicadores
4
Sistema Financiero Sin Incluir Banco de la Nacin y Agrobanco - Principales Cuentas
Sistema Financiero Sin Incluir Banco de la Nacin y Agrobanco - Indicadores..
5
6
Banca Mltiple - Principales Cuentas
7
Banca Mltiple - Indicadores.
Empresas Financieras - Principales Cuentas
8
9
Empresas Financieras - Indicadores..
10
Instituciones Microfinancieras No Bancarias - Principales Cuentas..
Instituciones Microfinancieras No Bancarias - Indicadores..
11
12
Cajas Municipales - Principales Cuentas
13
Cajas Municipales - Indicadores..
Cajas Rurales de Ahorro y Crdito - Principales Cuentas
14
15
Cajas Rurales de Ahorro y Crdito - Indicadores..
16
Entidades de Desarrollo de la Pequea y Microempresa - Principales Cuentas e Indicadores
Empresas de Arrendamiento Financiero - Principales Cuentas e Indicadores
17
18
Banco de la Nacin - Principales Cuentas e Indicadores.
19
Agrobanco - Principales Cuentas e Indicadores
Crditos Directos Segn Tipo de Crdito y Tipo de Empresa del Sistema Financiero..
20
21
Depsitos Segn Tipo de Depsito y Tipo de Empresa del Sistema Financiero
Crditos para Actividades Empresariales por Sector Econmico y Tipo de Empresa del
22
Sistema Financiero
23
Crditos Totales por Departamento y Tipo de Empresa del Sistema Financiero.
24
Depsitos Totales por Departamento y Tipo de Empresa del Sistema Financiero.
25
Nmero de Deudores Segn Tipo de Crdito y Tipo de Empresa del Sistema Financiero....
26
Morosidad por Departamento y Tipo de Empresa del Sistema Financiero ..
Morosidad de los Crditos para Actividades Empresariales por Sector Econmico y Tipo de
Empresa del Sistema Financiero...
27
...
Crditos del Sistema Financiero por Tipo de Crdito Segn Departamento, Provincia y Distrito
28
.
2/
MontoCrditos
%
80.3
3.2
6.8
5.2
1.1
0.5
0.2
9.4
0.1
100
(Miles S/.)
128,377,902
6,745,193
13,048,089
9,935,829
2,004,831
1,107,429
312,290
2,882,159
246,878
151,612,510
Depsitos
Monto
%
84.7
4.4
8.6
6.6
1.3
0.7
0.2
1.9
0.2
100
(Miles S/.)
126,071,301
2,751,340
11,262,400
9,305,830
1,956,569
17,782,042
157,867,082
%
79.9
1.7
7.1
5.9
1.2
11.3
100
Dec-06
Dec-07
###
###
729,834
###
###
174,700
###
836,346
###
###
###
###
###
###
402,317
3.430
###
###
###
942,133
###
###
187,171
###
###
###
###
###
###
###
###
481,397
###
3.196
###
###
###
-
Dec-10
2.996
###
###
###
-
Dec-09
Dec-11
Saldo
Dec-08
###
###
889,497
###
6,660,830
209,747
###
###
###
###
###
###
###
###
404,517
###
###
830,235
###
###
209,448
###
###
###
###
###
###
###
###
388,143
###
###
0.7
22.5
8.5
31.1
42.0
32.3
-
33.8
45.4
19.3
-
3.3
18.2
-2.0
-
19.5
20.8
21.5
-
17.5
20.1
19.1
13.8
7.8
22.2
7.2
3.7
13.0
19.4
18.2
25.1
26.4
30.8
18.5
28.8
32.9
12.7
10.3
188.4
9.7
11.4
34.8
12.8
26.0
33.1
15.8
37.4
41.2
29.1
23.5
26.7
7.1
15.7
105.8
11.2
31.7
36.8
38.5
34.8
41.9
19.7
21.1
25.6
-5.6
28.5
29.7
12.1
40.3
121.8
14.3
35.3
50.4
23.9
45.4
59.6
-16.0
7.3
10.7
-6.7
2.9
4.0
-0.1
9.4
43.8
1.4
-1.9
17.3
-2.2
19.4
23.7
-4.0
15.8
17.8
2.4
15.6
16.6
6.9
22.0
39.2
12.8
-
27.1
34.5
7.9
10.8
12.7
-6.1
19.9
21.0
14.1
23.7
24.9
12.6
24.7
32.8
22.3
-
### 10.0
22.4
9.2
17.3
26.7
14.3
9.2
15.1
12.4
6.6
22.8
6.2
12.8
36.5
16.7
29.7
47.2
23.4
52.6
79.5
23.8
13.8
27.3
9.6
23.7
29.3
28.4
12.4
47.0
11.9
25.7
22.9
22.7
11.3
-1.9
32.5
27.6
32.1
17.2
35.0
48.4
20.8
23.9
53.1
9.7
5.3
10.0
9.5
4.9
8.8
7.8
15.0
19.1
20.1
1.9
6.7
7.0
-2.6
7.5
1.3
15.6
31.1
2.0
16.0
13.2
23.9
19.9
28.9
12.2
13.7
47.0
-10.4
22.7
55.2
10.7
8.9
10.2
11.4
12.9
10.4
21.7
18.1
21.4
18.1
2.3
5.0
2.7
29.3
56.9
15.4
263.2
23.2
-16.1
115.4
-7.3
###
###
###
###
###
###
###
###
230,118
###
###
849,837
###
###
223,945
###
###
###
-
###
###
###
###
###
215,985
###
###
969,951
###
###
252,183
###
###
###
-
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
2.809
7.5
### 15.3
35.3
12.7
-
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
2.890
29.6
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
3.140
32.1
###
###
###
###
###
###
###
###
7.0
2.696
1.84
2.43
3.41
1.06
1.27
5.26
1.44
2.07
3.29
0.88
0.90
4.00
Cobertura
Provisiones / Cartera atrasada (%)
217.31 227.93 253.52
- Provisiones cartera corporativa / Cartera corporativa atrasada (%)
- Provisiones cartera gran empresa / Cartera gran empresa atrasada
(%) - Provisiones cartera mediana empresa / Cartera mediana empresa
- atrasada
(%) - Provisiones cartera pequea empresa / Cartera pequea empresa
- atrasada
(%) - Provisiones cartera microempresa / Cartera microempresa atrasada
(%)- Provisiones cartera consumo / Cartera consumo atrasada (%)183.48 215.91 250.19
- Provisiones cartera hipotecaria / Cartera hipotecaria atrasada
153.55
(%)
204.69 236.26
- Provisiones cartera comercial / Cartera comercial atrasada (%)
283.32 314.55 353.85
- Provisiones cartera MES / Cartera MES atrasada (%)
111.73 112.46 119.87
1.45
2.42
3.46
0.75
0.87
3.80
241.15
287.16
270.35
279.61
126.46
1.91
2.78
3.94
0.88
1.12
5.33
1.87
0.04
0.22
2.37
5.11
4.42
2.51
3.36
0.94
-
1.84
0.04
0.21
2.17
5.09
4.05
2.47
3.40
0.86
-
-0.5
0.1
0.8
-0.5
-0.7
-0.5
-0.4
-0.4
-0.1
-0.2
-0.4
-1.3
0.0
0.4
0.2
-0.1
0.0
-0.2
0.5
0.4
0.5
0.1
0.2
1.5
0.0
-0.3
-0.6
0.1
-
0.0
0.0
0.0
-0.2
0.0
-0.4
0.0
0.0
-0.1
-
10.6
32.4
51.1
31.2
0.7
25.6
34.3
31.6
39.3
7.4
-12.4
37.0
34.1
-74.2
6.6
-22.6
-9.6
-15.8
-21.1
-7.7
2.5
13.8
-7.2
-
4.9
-207.6
79.0
18.5
2.8
10.5
3.4
15.3
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
66.16
- Crditos corporativos ME / Crditos corporativos (%)
- Crditos grandes empresas ME / Crditos grandes empresas(%)
- Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
21.85
- Crditos hipotecarios ME / Crditos hipotecarios (%)
95.68
- Crditos comerciales ME / Crditos comerciales (%)
78.80
- Crditos MES ME / Crditos MES (%)
27.95
60.26
19.10
88.70
74.35
23.93
56.98
16.82
79.91
73.34
19.91
53.24
13.75
68.24
70.37
12.06
46.50
11.01
58.24
64.56
8.92
45.93
63.13
72.17
67.80
24.00
8.17
9.45
52.33
-
44.71
65.06
73.06
68.15
19.57
6.64
8.64
49.25
-
-5.9
-2.8
-7.0
-4.4
-4.0
-3.3
-2.3
-8.8
-1.0
-4.0
-3.7
-3.1
-11.7
-3.0
-7.8
-6.7
-2.7
-10.0
-5.8
-3.1
-0.6
-1.6
-5.9
-
-1.2
1.9
0.9
0.3
-4.4
-1.5
-0.8
-3.1
-
55.41
42.42
54.68
63.05
82.17
49.40
32.26
49.33
61.35
76.69
50.52
40.27
47.53
57.53
71.19
48.35
38.07
45.66
55.57
68.18
41.45
39.54
41.56
42.56
59.76
40.71
40.89
39.90
41.00
51.18
-4.5
-4.3
-2.3
-4.9
-3.1
-6.0
-10.2
-5.3
-1.7
-5.5
1.1
8.0
-1.8
-3.8
-5.5
-2.2
-2.2
-1.9
-2.0
-3.0
-6.9
1.5
-4.1
-13.0
-8.4
-0.7
1.3
-1.7
-1.6
-8.6
59.91
46.70
57.01
67.91
85.26
SISTEMA FINANCIERO SIN INCLUIR BANCO DE LA NACIN Y AGROBANCO - PRINCIPALES CUENTAS Y VARIABLES
Dec-05
Dec-06
86,448,967
92,198,547
Dec-07
Saldo
Dec-08
Dec-09
Dec-10
###
###
###
###
Dec-11
###
29.2
34.5
0.2
24.7
8.7
###
###
###
###
###
729,803
4,612,532
4,054,192
174,700
7,402,011
836,346
2,054,338
###
8,855,209
8,048,885
5,352,329
4,066,527
402,316
###
###
###
###
###
942,101
###
5,136,244
187,171
8,566,160
###
2,284,709
###
###
###
###
###
481,397
###
###
###
###
###
889,465
###
6,660,830
209,747
###
3,817,314
2,612,555
###
###
###
###
###
404,517
###
###
###
###
###
830,203
###
###
209,448
###
5,487,839
2,649,210
###
###
###
###
###
388,143
###
###
###
###
8,611,182
5,248,401
###
5,891,053
5,441,942
###
###
5,148,193
###
###
1,195,008
###
7,074,694
230,095
###
###
849,806
###
8,076,415
223,945
###
###
###
-
### 15.5
###
37.6
###
12.7
###
###
6,411,938
###
6,111,969
6,149,630
###
8,113,368
6,443,828
###
###
1,289,656
8,627,483
8,045,200
215,980
###
29.6
###
36.1
969,920
18.5
###
28.8
###
32.9
252,183
12.7
###
10.3
###
188.4
3,653,495
9.7
11.4
34.6
12.8
25.8
32.7
15.8
30.3
40.5
32.2
33.7
37.1
29.1
23.5
26.7
7.1
15.7
105.8
11.2
31.6
36.8
38.5
35.0
42.2
19.7
35.1
49.3
19.3
26.1
32.6
-5.6
28.5
29.7
12.1
40.3
121.8
14.3
35.3
50.5
23.9
45.2
59.4
-16.0
3.2
18.6
-2.0
7.3
11.1
-6.7
2.9
4.0
-0.1
9.3
43.8
1.4
-1.9
17.4
-2.2
19.1
23.3
-4.0
19.2
20.3
21.5
14.5
16.6
2.4
15.6
16.6
6.9
21.8
38.9
12.8
-
17.7
20.7
19.1
13.8
7.8
22.2
7.1
3.8
13.0
19.5
18.2
25.2
26.9
34.3
7.9
11.7
13.7
-6.1
21.5
22.9
14.1
23.7
24.9
12.6
24.6
32.6
22.3
-
###
###
###
###
6,840,030
2,456,891
###
###
2,693,239
###
###
7,086,424
4,510,619
785,944
1,165,418
###
###
###
###
###
3,159,638
###
7,330,403
###
###
###
9,098,555
###
###
1,305,940
###
###
###
###
###
4,161,929
###
###
3,459,568
###
###
###
###
###
1,433,622
###
###
###
###
###
4,416,524
###
###
4,151,617
###
###
###
###
###
1,452,252
###
###
###
###
###
5,502,965
###
###
4,661,993
###
###
###
7,532,154
###
###
###
###
###
###
###
6,631,056
###
###
###
###
###
###
9,754,312
4,749,685
1,856,316
9.0
22.9
9.0
15.7
31.7
12.3
7.9
13.1
12.3
7.0
23.2
6.6
12.9
37.5
16.8
23.5
34.1
24.3
33.3
47.9
28.6
13.2
29.1
9.6
23.6
29.1
28.4
12.6
48.3
12.1
31.1
34.5
22.6
24.3
11.3
31.7
29.1
36.6
17.2
34.8
47.4
21.2
24.0
54.2
9.8
4.9
11.6
8.2
8.4
20.9
6.1
14.3
18.6
20.0
0.1
4.7
5.2
-2.7
7.6
1.3
16.9
37.4
1.7
19.5
18.0
24.6
19.4
29.7
12.3
14.8
51.0
-10.9
22.9
56.0
10.7
9.0
10.7
11.3
14.8
13.9
20.5
17.4
20.8
18.1
2.8
5.5
3.3
29.5
57.5
15.5
7.0
263.2
23.2
-16.1
115.4
-7.3
###
###
###
###
###
###
###
5,019,563
###
###
###
6,645,596
3,995,174
571,736
998,087
3.430
1,031,220
3.196
###
4,612,379
2.996
3.140
###
8,332,662
2.890
2.809
###
2.696
1.87
2.70
3.41
1.06
1.27
5.16
1.47
2.36
3.29
0.88
0.90
3.99
Cobertura
Provisiones / Cartera atrasada (%)
216.29 227.52 248.68
- Provisiones cartera corporativa / Cartera corporativa atrasada (%)
- Provisiones cartera gran empresa / Cartera gran empresa atrasada
(%) - Provisiones cartera mediana empresa / Cartera mediana empresa
- atrasada
- (%) - Provisiones cartera pequea empresa / Cartera pequea empresa
- atrasada
(%) - Provisiones cartera microempresa / Cartera microempresa atrasada
(%) - Provisiones cartera consumo / Cartera consumo atrasada (%) 177.79 211.95 233.90
- Provisiones cartera hipotecaria / Cartera hipotecaria atrasada153.55
(%)
204.69 236.26
- Provisiones cartera comercial / Cartera comercial atrasada (%)283.27 314.37 353.69
- Provisiones cartera MES / Cartera MES atrasada (%)
111.81 112.65 120.02
1.47
2.61
3.46
0.75
0.87
3.76
236.33
271.45
270.35
279.39
127.14
1.94
3.00
3.94
0.88
1.12
5.32
1.89
0.04
0.22
2.38
5.11
4.47
2.73
3.36
0.95
-
1.86
0.04
0.21
2.17
5.08
4.06
2.65
3.40
0.86
-
-0.5
0.0
0.8
-0.5
-0.7
-0.6
-0.4
-0.3
-0.1
-0.2
-0.4
-1.2
0.0
0.3
0.2
-0.1
0.0
-0.2
0.5
0.4
0.5
0.1
0.2
1.6
0.0
-0.3
-0.6
0.1
-
0.0
0.0
0.0
-0.2
0.0
-0.4
-0.1
0.0
-0.1
-
11.2
34.2
51.1
31.1
0.8
21.2
22.0
31.6
39.3
7.4
-12.4
37.5
34.1
-74.3
7.1
-21.8
-7.3
-15.8
-21.0
-8.3
2.7
13.2
-7.3
-
6.2
-208.1
78.8
18.6
2.6
10.7
8.5
15.1
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
67.81
- Crditos corporativos ME / Crditos corporativos (%)
- Crditos grandes empresas ME / Crditos grandes empresas(%)- Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
25.09
- Crditos hipotecarios ME / Crditos hipotecarios (%)
95.68
- Crditos comerciales ME / Crditos comerciales (%)
78.82
- Crditos MES ME / Crditos MES (%)
28.00
61.65
21.37
88.70
74.39
24.02
58.65
19.35
79.91
73.38
19.97
54.28
15.18
68.24
70.41
12.11
47.45
12.16
58.25
64.59
8.98
46.99
63.13
72.18
67.81
24.04
8.37
10.57
52.40
-
45.64
65.06
73.06
68.17
19.62
6.75
9.53
49.37
-
-6.2
-3.7
-7.0
-4.4
-4.0
-3.0
-2.0
-8.8
-1.0
-4.1
-4.4
-4.2
-11.7
-3.0
-7.9
-6.8
-3.0
-10.0
-5.8
-3.1
-0.5
-1.6
-5.8
-
-1.4
1.9
0.9
0.4
-4.4
-1.6
-1.0
-3.0
-
60.39
53.44
60.25
63.31
82.58
56.99
48.33
54.67
61.67
77.05
55.86
53.70
52.04
58.09
71.47
53.02
48.37
50.26
56.18
68.46
44.80
49.01
45.96
42.39
59.96
43.92
49.39
44.39
40.87
51.31
-4.5
-5.6
-1.8
-4.8
-3.1
-3.4
-5.1
-5.6
-1.6
-5.5
-1.1
5.4
-2.6
-3.6
-5.6
-2.8
-5.3
-1.8
-1.9
-3.0
-8.2
0.6
-4.3
-13.8
-8.5
-0.9
0.4
-1.6
-1.5
-8.7
64.86
59.09
62.09
68.14
85.69
Dec-05
Dec-06
78,187,564
82,553,073
Dec-07
Dec-09
Dec-10
Dec-11
###
###
###
###
###
###
###
###
###
31.2
36.3
-2.4
24.6
7.5
32.8
46.9
33.7
47.3
56.1
31.5
51.5
61.9
7.1
16.3
105.1
12.1
32.2
35.6
39.7
38.5
44.3
30.8
37.5
52.9
22.1
34.7
44.4
-3.6
44.6
48.0
12.1
41.3
125.8
14.9
36.5
46.7
26.6
49.6
64.9
-4.3
0.6
12.6
-0.4
-0.1
2.8
-6.9
-8.5
-8.5
-0.1
8.5
40.8
1.6
-1.0
16.8
-0.4
2.1
3.3
3.5
18.7
19.0
22.0
13.6
15.9
2.7
16.6
17.8
6.9
22.9
40.8
13.6
-
17.0
20.3
18.8
13.8
7.9
22.2
6.6
3.5
12.3
19.5
18.9
24.8
26.5
38.2
5.8
1.1
4.0
-7.0
21.6
23.5
12.4
24.2
25.6
12.6
24.4
32.3
22.3
-
###
8.4
23.2
8.6
15.7
31.7
12.3
7.4
12.2
12.3
5.8
23.7
6.1
11.6
35.2
16.0
24.2
35.4
25.3
33.3
47.9
28.6
13.2
29.3
10.2
24.5
30.2
29.9
10.2
39.1
11.8
32.1
36.5
23.3
24.3
11.3
31.7
30.2
38.5
18.1
36.7
53.9
21.9
22.6
53.4
9.7
2.4
7.7
7.0
8.4
20.9
6.1
14.1
18.6
19.8
-4.5
-3.9
3.4
-6.3
-1.8
0.1
15.1
36.0
1.3
19.5
18.0
24.6
18.3
28.6
12.0
11.4
51.9
-11.8
20.5
58.5
10.2
8.0
8.9
11.4
14.8
13.9
20.5
16.9
19.9
18.4
0.3
1.5
3.1
28.1
61.5
15.4
-6.2
304.8
26.4
-18.1
127.3
-9.3
###
###
###
###
691,210
###
###
174,700
###
792,953
###
###
###
###
###
###
223,067
###
###
###
###
909,021
###
###
187,171
###
###
###
###
###
###
###
###
291,683
###
###
###
###
875,994
###
###
209,747
###
###
###
###
###
###
###
###
279,007
###
###
###
###
###
###
###
###
###
###
###
###
###
677,808
###
###
###
###
###
###
###
###
###
###
###
###
###
###
942,845
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
3.430
822,061
3.196
2.996
###
###
###
###
815,156
###
###
209,448
###
###
###
###
###
###
###
###
288,786
###
3.140
###
###
###
###
###
###
###
###
###
###
###
###
###
987,616
###
###
175,650
###
###
837,116
###
###
223,945
###
###
###
-
###
2.890
###
2.809
### 15.3
###
39.5
###
13.3
###
###
###
###
###
###
###
###
###
###
###
###
###
###
163,328
###
32.0
###
42.3
941,223
18.0
###
34.4
###
42.4
252,183
12.7
###
9.2
###
188.6
###
8.6
12.4
34.3
13.9
23.0
26.6
22.4
###
Saldo
Dec-08
5.6
2.696
1.26
2.39
3.33
0.87
0.85
3.12
1.27
2.64
3.45
0.74
0.80
3.22
1.56
2.89
3.88
0.87
0.97
5.15
1.49
0.04
0.22
2.27
4.62
2.89
2.69
3.43
0.94
-
1.47
0.04
0.21
2.09
4.69
2.43
2.60
3.45
0.85
-
-0.5
-0.1
0.8
-0.5
-0.7
-0.6
-0.4
-0.4
-0.3
-0.2
-0.4
-1.5
0.0
0.2
0.1
-0.1
0.0
0.1
0.3
0.3
0.4
0.1
0.2
1.9
-0.1
-0.2
-0.5
0.1
-
0.0
0.0
0.0
-0.2
0.1
-0.5
-0.1
0.0
-0.1
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
71.46 65.47
- Crditos corporativos ME / Crditos corporativos (%) - Crditos grandes empresas ME / Crditos grandes empresas(%)
- Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
31.99 26.67
- Crditos hipotecarios ME / Crditos hipotecarios (%) 95.75 88.78
- Crditos comerciales ME / Crditos comerciales (%) 77.84 73.52
- Crditos MES ME / Crditos MES (%)
28.76 26.68
61.79
22.32
80.20
72.83
23.60
57.51
16.73
68.36
70.81
15.82
52.44
14.34
58.92
65.56
14.76
52.35
63.24
72.12
68.64
31.74
19.58
12.60
52.94
-
51.01
65.17
72.95
68.80
25.46
17.28
11.18
49.96
-
-6.0
-5.3
-7.0
-4.3
-2.1
-3.7
-4.4
-8.6
-0.7
-3.1
-4.3
-5.6
-11.8
-2.0
-7.8
-5.1
-2.4
-9.4
-5.2
-1.1
-0.1
-1.7
-6.0
-
-1.3
1.9
0.8
0.2
-6.3
-2.3
-1.4
-3.0
-
59.35
48.33
56.65
65.70
80.23
58.01
53.70
53.89
61.39
75.26
55.82
48.38
52.08
61.14
74.05
47.77
49.02
47.91
47.04
65.86
47.32
49.40
46.59
46.42
56.94
-4.5
-5.6
-1.6
-4.7
-2.7
-3.4
-5.1
-5.4
-1.5
-4.1
-1.3
5.4
-2.8
-4.3
-5.0
-2.2
-5.3
-1.8
-0.2
-1.2
-8.0
0.6
-4.2
-14.1
-8.2
-0.5
0.4
-1.3
-0.6
-8.9
67.18
59.09
63.70
71.94
87.08
62.72
53.44
62.06
67.19
84.34
Dec-06
Dec-07
Saldo
Dec-08
Dec-09
Dec-10
Dec-11
1,491,400
1,871,425
1,193,001
1,023,628
3,968,712
6,036,812
7,735,058
1,553,705
###
45,527
###
###
15,524
###
###
117,612
21,722
30,003
6
6
-
975,533
891,137
28,170
855,269
825,501
9,936
659,326
659,326
120,251
65,623
18,234
13
13
-
868,078
757,972
35,065
128,362
128,362
32,873
32,873
125,762
66,134
18,990
40,439
35,428
1,596
573,514
528,048
14,480
3,535,121
###
60,705
###
###
4,214
865,887
865,887
208,497
147,081
21,251
139,176
112,720
9,154
###
###
26,086
5,078,881
###
202,442
36,018
14,376
7,704
110,965
20,663
32,147
409,471
149,246
92,640
###
999,575
49,846
###
###
12,784
###
###
1,457
932,581
932,581
64,898
48,429
5,863
-
735,362
639,374
30,034
602,365
515,168
29,105
108,836
76,280
10,368
1,209,824
975,142
81,205
7,665
6,158
521
70,528
58,157
4,281
###
910,827
76,403
58,711
43,207
5,365
2,000,219
1,789,665
74,957
8,888
6,675
788
86,943
70,238
5,947
###
###
68,222
60,429
45,685
5,249
595,807
586,297
2,772
475
301
51
595,332
585,996
2,722
8,106
1,578
1,903
3.430
2,851
2,707
45
732,511
636,667
29,989
10,637
2,120
2,665
3,169
2,693
159
599,196
512,475
28,946
7,999
2,406
1,867
3.196
2.996
108,836
76,280
10,368
3.140
2.890
2.809
Dec-06
Dec-07
25.5
-36.3
-14.2
287.7
52.1
Dec-11
28.1
6,745,193
###
267,249
21,132
12,654
3,145
139,177
26,665
41,733
437,353
138,146
110,982
###
###
72,428
###
###
16,669
###
###
17,293
###
###
80,280
66,803
4,999
-
26.6
22.5
100.8
21.1
20.9
36.5
16.3
16.3
252.1
208.0
-99.9
-99.7
-
-37.2
-36.7
-38.1
-40.4
-40.5
-36.0
-48.8
-48.8
2.2
202.1
-39.2
115.9
115.9
-
-11.0
-14.9
24.5
-85.0
-84.5
-95.0
-95.0
4.6
0.8
4.1
316327.9
277116.9
-
307.2
343.2
73.1
948.3
938.8
2534.0
2534.0
65.8
122.4
11.9
244.2
218.2
473.6
221.1
234.5
80.2
43.7
34.2
233.5
30.8
31.7
-65.4
7.7
7.7
-68.9
-67.1
-72.4
-
32.8
33.6
32.0
-41.3
-12.0
-59.2
25.4
29.0
29.8
6.8
-7.4
19.8
38.7
38.6
45.3
37.3
37.6
30.4
33.4
31.1
1086.5
19.7
19.7
23.7
37.9
-14.7
-
2,751,340
2,533,206
80,910
7,725
6,256
545
127,929
110,799
6,354
###
###
74,012
74,319
59,196
5,609
23.4
9.1
983.3
500.1
798.2
-11.0
23.0
8.6
1001.8
31.2
34.3
40.0
-18.1
-19.4
-3.1
11.2
-0.5
252.8
-18.2
-19.5
-3.5
-24.8
13.5
-29.9
-81.9
-85.2
-64.4
-81.8
-85.1
-64.2
-
1011.6
1178.4
683.2
939.8
1094.1
636.9
-
65.3
83.5
-7.7
16.0
8.4
51.1
23.3
20.8
38.9
68.3
88.0
-10.7
2.9
5.7
-2.2
37.6
41.5
7.9
-13.1
-6.3
-30.9
47.1
57.7
6.8
37.4
41.1
8.5
23.0
29.6
6.9
2.696
2.42
2.75
3.00
0.02
0.00
2.32
3.85
7.21
0.26
0.93
2.52
4.50
4.61
4.34
0.67
5.35
4.79
3.75
0.24
1.55
5.40
4.25
3.13
2.75
1.15
-
3.48
0.00
0.19
1.50
4.69
3.62
3.19
2.90
1.45
-
0.2
0.8
0.8
0.2
-
-0.2
-0.1
0.0
-0.2
-
-0.1
1.1
4.2
0.2
-
2.2
0.8
-2.9
0.4
4.4
2.3
-0.8
-1.5
-1.6
0.5
-
-0.3
0.0
-0.1
-0.7
-0.6
0.1
0.1
0.3
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
6.34
9.36
- Crditos corporativos ME / Crditos corporativos (%) - Crditos grandes empresas ME / Crditos grandes empresas(%)
- Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
3.29
3.45
- Crditos hipotecarios ME / Crditos hipotecarios (%) 100.00 81.53
- Crditos comerciales ME / Crditos comerciales (%) 70.22
0.00
- Crditos MES ME / Crditos MES (%)
8.65
3.48
45.43
0.00
12.68
0.00
47.41
12.39
7.93
4.96
0.90
29.46
19.01
4.09
11.20
60.09
81.38
63.55
12.29
2.31
0.23
25.38
-
10.68
40.12
80.84
68.41
12.36
2.10
1.99
16.79
-
3.0
0.2
-18.5
-
-0.7
0.0
-36.1
-
4.0
2.0
-
-7.7
-18.0
6.6
-3.8
6.2
-0.7
-4.1
-
-0.5
-20.0
-0.5
4.9
0.1
-0.2
1.8
-8.6
-
14.48
29.91
19.40
10.53
7.93
11.5
1.4
15.4
-10.5
-8.9
-2.6
1.60
13.05
Dec-06
Dec-07
Saldo
Dec-08
1/
Dec-09
5,156,852
6,422,612
7,847,926
9,797,402
3,909,697
2,535,932
400,515
4,934,889
3,429,500
471,023
6,299,563
4,783,041
506,182
8,085,735
6,881,137
383,630
-1,187,520
1,118,345
21,644
219,621
21,671
61,937
-1,522,682
1,459,083
21,228
230,564
28,847
67,329
-1,826,832
1,787,710
12,459
285,798
78,010
66,175
-1,957,708
1,927,980
10,286
342,431
168,051
60,339
668,372
115,365
161,226
848,969
182,393
208,566
1,025,313
341,712
228,171
1,600,432
990,507
194,244
1,902,024
1,309,680
204,963
2,082,590
1,516,114
165,153
2,678,779
2,107,090
178,876
3,521,004
2,953,399
189,454
4,372,673
4,024,911
110,752
4,991,673
4,780,406
73,103
3,069,630
1,992,175
314,127
826,654
512,159
91,689
3,606,870
2,482,699
351,743
954,127
619,356
104,747
4,353,331
3,385,857
322,922
1,079,656
787,911
97,378
5,590,374
4,571,451
324,498
1,238,748
958,443
89,269
7,267,936
5,847,518
491,494
1,386,543
1,073,501
108,319
2,242,976
1,480,016
222,437
108,196
68,966
11,438
2,652,743
1,863,343
246,996
171,031
106,016
20,343
3,273,675
2,597,946
225,544
300,632
219,926
26,938
4,351,627
3,613,009
235,229
451,911
350,488
32,300
5,881,394
4,774,018
383,175
596,809
469,902
43,913
3.430
3.196
2.996
3.140
11,543,337
Dec-10
Dec-11
16,333,646
24.5
22.2
24.8
17.8
24.2
13.9
26.2
35.2
17.6
27.7
39.5
7.5
28.4
43.9
-24.2
13.7
19.0
-9.1
22.2
23.1
18.4
16.1
17.1
12.3
25.1
25.8
23.0
5.0
41.9
9.6
28.2
30.5
-1.9
5.0
33.1
8.7
20.0
22.5
-41.3
24.0
170.4
-1.7
7.2
7.8
-17.4
19.8
115.4
-8.8
10.6
10.6
9.2
37.3
72.4
6.4
5.5
-1.1
126.3
243.0
69.4
15.4
17.1
18.3
24.3
26.7
7.6
8.0
9.0
-24.8
10.7
10.9
1.5
32.3
38.8
27.1
27.0
58.1
29.4
20.8
87.3
9.4
56.1
189.9
-14.9
18.8
32.2
5.5
28.6
39.0
8.3
31.4
40.2
5.9
24.2
36.3
-41.5
14.2
18.8
-34.0
17.5
24.6
12.0
15.4
20.9
14.2
20.7
36.4
-8.2
13.2
27.2
-7.0
28.4
35.0
0.5
14.7
21.6
-8.3
30.0
27.9
51.5
11.9
12.0
21.3
35.0
40.2
16.8
36.1
41.2
22.2
14.8
17.3
6.6
22.3
27.0
7.6
18.3
25.9
11.0
58.1
53.7
77.9
23.4
39.4
-8.7
75.8
107.4
32.4
32.9
39.1
4.3
50.3
59.4
19.9
35.2
32.1
62.9
32.1
34.1
36.0
34.7
39.9
15.3
46.8
53.0
27.6
13.0
15.1
6.4
40.8
46.6
19.0
2.890
14,336,494
41,354
41,354
14,427
5,097
3,321
858,410
440,518
148,769
4,061,740
3,640,133
150,092
###
###
35,135.18
2,164,573
2,133,021
11,232
470,036
289,771
64,174
-
43,612
40,916
1,000
32,653
17,483
5,627
990,380
515,977
175,965
5,046,786
4,611,405
161,492
3,915,737
3,844,458
26,439
2,396,850
2,366,106
11,404
622,072
402,135
81,579
-
9,808,474 11,262,400
8,196,313
9,612,244
573,927
612,076
1,887,553
2,308,350
1,515,879
1,924,539
132,316
142,363
7,920,920
6,680,434
441,611
876,169
718,804
56,022
2.809
8,954,049
7,687,705
469,712
1,233,736
1,053,934
66,692
2.696
10
1/
- INDICADORES
Indicadores
Variacin Anual (En puntos porcentuales)
Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11
Calidad de cartera
Crditos atrasados / Crditos directos (%)
5.08
- Cartera corporativa atrasada / Cartera corporativa (%)
- Cartera grande empresa atrasada / Cartera grande empresa (%) - Cartera mediana empresa atrasada / Cartera mediana empresa (%)
- Cartera pequea empresa atrasada / Cartera pequea empresa (%)
- Cartera microempresa atrasada / Cartera microempresa (%)
- Cartera consumo atrasada / Cartera consumo (%)
1.87
- Cartera hipotecaria atrasada / Cartera hipotecaria (%)
2.49
- Cartera comercial atrasada / Cartera comercial (%)
6.51
- Cartera MES atrasada / Cartera MES (%)
6.34
4.57
1.77
2.30
5.46
5.72
3.97
1.84
1.75
4.43
4.91
3.85
2.30
1.64
3.94
4.61
4.82
2.80
1.35
5.17
5.72
5.01
5.31
6.08
5.69
2.74
1.07
-
4.82
0.00
0.00
4.54
6.06
5.38
2.58
1.00
-
-0.50
-0.10
-0.19
-1.05
-0.62
-0.60
0.07
-0.55
-1.03
-0.81
-0.12
0.46
-0.10
-0.49
-0.30
0.97
0.50
-0.30
1.23
1.10
0.19
-0.06
-0.28
-
-0.19
-0.77
-0.02
-0.32
-0.16
-0.07
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
35.14
- Crditos corporativos ME / Crditos corporativos (%)
- Crditos grandes empresas ME / Crditos grandes empresas(%) - Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
6.36
- Crditos hipotecarios ME / Crditos hipotecarios (%)
92.70
- Crditos comerciales ME / Crditos comerciales (%)
82.74
- Crditos MES ME / Crditos MES (%)
27.20
30.51
5.83
90.13
78.52
21.34
24.07
4.18
87.49
66.67
16.12
14.90
2.14
72.70
38.11
7.95
10.96
1.52
50.92
31.14
4.23
10.32
64.67
48.68
10.38
2.72
1.46
38.35
-
9.58
6.18
46.46
47.90
8.63
1.82
1.28
35.36
-
-4.63
-0.53
-2.57
-4.22
-5.86
-6.43
-1.65
-2.64
-11.84
-5.22
-9.18
-2.04
-14.78
-28.56
-8.17
-3.94
-0.62
-21.78
-6.97
-3.72
-0.64
-0.06
-12.57
-
-0.74
-18.21
-0.78
-1.75
-0.90
-0.17
-3.00
-
31.17
35.09
29.76
38.01
22.22
27.02
20.64
26.85
18.23
22.63
16.97
22.44
19.54
22.58
18.83
21.26
16.44
19.69
15.66
17.96
14.65
16.63
14.14
14.57
-3.93
-2.96
-4.26
1.75
-8.94
-8.06
-9.12
-11.17
-4.00
-4.39
-3.67
-4.40
1.32
-0.05
1.86
-1.18
-3.11
-2.89
-3.17
-3.30
-1.78
-3.06
-1.52
-3.39
35.10
38.04
34.02
36.26
11
3,791,474
Dec-07
Saldo
Dec-08
Dec-09
Dec-10
Dec-11
Dec-06
Dec-11
4,595,493
5,384,880
7,106,932
8,711,134
10,901,820
12,389,259
21.2
17.2
32.0
22.6
25.1
13.6
3,499,204
2,387,014
347,994
925,648
868,773
17,796
142,751
8,038
42,151
687,165
142,331
170,473
4,295,678
3,187,965
369,731
1,123,031
1,071,863
17,079
159,823
14,463
48,518
852,270
285,577
189,150
5,886,170
5,004,199
280,883
1,338,167
1,309,251
9,209
215,273
54,029
51,352
1,341,448
870,376
150,023
6,942,617
6,167,159
268,324
1,460,751
1,436,905
8,251
260,805
121,675
48,142
1,609,434
1,150,147
158,923
8,470,283
7,551,207
327,189
37,636
37,636
8,850
4,873
1,416
720,422
394,820
115,914
3,196,626
2,853,263
122,237
2,466,709
2,393,298
26,134
1,682,957
1,658,594
8,673
357,083
208,725
52,815
-
9,935,829
8,912,294
379,649
38,850
38,850
18,419
6,949
4,254
824,613
446,934
140,089
3,929,048
3,568,948
133,568
2,653,763
2,596,904
21,090
#N/A
1,983,247
1,958,290
9,257
487,889
295,418
71,391
-
23.3
29.7
19.7
20.6
20.8
26.0
15.8
433.2
18.7
29.5
64.4
31.7
22.8
33.6
6.2
21.3
23.4
-4.0
12.0
79.9
15.1
24.0
100.6
11.0
37.0
57.0
-24.0
19.2
22.1
-46.1
34.7
273.6
5.8
57.4
204.8
-20.7
17.9
23.2
-4.5
9.2
9.8
-10.4
21.2
125.2
-6.3
20.0
32.1
5.9
22.0
22.4
21.9
15.2
15.4
5.1
36.9
71.5
9.7
-
17.3
18.0
16.0
3.2
3.2
108.1
42.6
200.5
14.5
13.2
20.9
22.9
25.1
9.3
7.6
8.5
-19.3
17.8
18.1
6.7
36.6
41.5
35.2
-
1,416,902
1,033,829
111,683
1,743,640
1,367,871
117,575
2,160,554
1,816,062
114,984
2,991,282
2,770,543
70,299
3,611,626
3,458,433
53,008
23.1
32.3
5.3
23.9
32.8
-2.2
38.4
52.6
-38.9
20.7
24.8
-24.6
2,606,961
1,689,705
267,421
687,860
421,272
77,723
1,919,100
1,268,434
189,699
92,618
60,266
9,432
3,040,852
2,092,893
296,608
783,227
500,640
88,419
2,257,625
1,592,253
208,189
127,256
87,084
12,570
3,640,028
2,826,332
271,594
886,027
636,875
83,161
2,754,001
2,189,457
188,433
244,189
189,947
18,105
4,719,222
3,852,821
275,924
1,041,647
799,651
77,069
3,677,575
3,053,170
198,855
378,650
306,307
23,039
6,092,734
4,866,230
424,396
1,183,127
910,479
94,342
4,909,607
3,955,750
330,054
511,612
412,848
34,174
16.6
23.9
10.9
13.9
18.8
13.8
17.6
25.5
9.7
37.4
44.5
33.3
19.7
35.0
-8.4
13.1
27.2
-5.9
22.0
37.5
-9.5
91.9
118.1
44.0
29.6
36.3
1.6
17.6
25.6
-7.3
33.5
39.4
5.5
55.1
61.3
27.3
29.1
26.3
53.8
13.6
13.9
22.4
33.5
29.6
66.0
35.1
34.8
48.3
34.2
39.0
18.4
37.6
42.0
26.5
33.3
38.3
16.0
43.9
48.2
29.7
13.8
16.4
5.5
23.1
28.3
7.2
11.5
13.7
5.0
35.2
39.3
19.6
Dec-06
3.430
3.196
2.996
3.140
2.890
8,175,224
6,764,094
502,360
1,628,339
1,293,024
119,372
6,546,885
5,471,070
382,989
736,230
611,677
44,341
2.809
9,305,830
7,876,748
530,075
2,003,736
1,658,822
127,935
7,302,094
6,217,926
402,140
995,240
852,274
53,029
2.696
12
CAJAS MUNICIPALES
1/
- INDICADORES
Indicadores
Variacin Anual (En puntos porcentuales)
Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11 Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11
Calidad de cartera
Crditos atrasados / Crditos directos (%)
4.49
4.22
- Cartera corporativa atrasada / Cartera corporativa (%) - Cartera grande empresa atrasada / Cartera grande empresa
(%)
- Cartera mediana empresa atrasada / Cartera mediana -empresa- (%)
- Cartera pequea empresa atrasada / Cartera pequea -empresa- (%)
- Cartera microempresa atrasada / Cartera microempresa
- (%) - Cartera consumo atrasada / Cartera consumo (%)
1.75
1.55
- Cartera hipotecaria atrasada / Cartera hipotecaria (%)0.62
0.65
- Cartera comercial atrasada / Cartera comercial (%) 4.68
4.64
- Cartera MES atrasada / Cartera MES (%)
6.24
5.77
3.85
1.62
1.33
3.94
5.16
3.90
2.30
1.64
3.87
4.80
5.01
2.80
1.37
5.28
6.05
5.09
5.85
6.18
5.75
2.69
1.09
-
4.90
0.00
0.00
4.91
6.29
5.57
2.40
0.88
-
-0.27
-0.21
0.03
-0.05
-0.47
-0.37
0.07
0.67
-0.70
-0.61
0.06
0.69
0.31
-0.07
-0.36
1.11
0.49
-0.27
1.41
1.25
0.07
-0.10
-0.27
-
-0.18
-0.94
0.11
-0.18
-0.30
-0.21
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
35.14 31.78
- Crditos corporativos ME / Crditos corporativos (%) - Crditos grandes empresas ME / Crditos grandes empresas(%)
- Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
6.31
6.14
- Crditos hipotecarios ME / Crditos hipotecarios (%) 98.78 94.37
- Crditos comerciales ME / Crditos comerciales (%) 83.69 79.29
- Crditos MES ME / Crditos MES (%)
27.04 21.55
25.79
4.56
90.95
66.49
15.94
14.98
2.16
74.90
35.12
7.38
11.17
1.63
53.35
28.54
4.24
10.85
44.94
45.20
10.74
2.98
1.45
41.55
-
10.30
0.00
62.27
45.80
9.17
2.14
1.26
39.45
-
-3.36
-0.17
-4.41
-4.40
-5.49
-6.00
-1.59
-3.42
-12.79
-5.61
-10.80
-2.40
-16.05
-31.38
-8.57
-3.81
-0.53
-21.56
-6.58
-3.14
-0.32
-0.18
-11.80
-
-0.55
17.33
0.60
-1.58
-0.83
-0.19
-2.10
-
22.35
28.12
20.50
22.21
18.36
23.23
16.98
19.11
20.13
23.04
19.43
19.30
17.26
20.59
16.43
16.92
15.36
17.21
14.85
14.36
-4.01
-2.68
-4.43
-3.36
-8.82
-7.96
-8.97
-9.36
-4.00
-4.89
-3.52
-3.11
1.77
-0.19
2.45
0.20
-2.87
-2.45
-3.00
-2.39
-1.90
-3.38
-1.59
-2.55
35.18
38.76
33.90
34.93
31.17
36.08
29.47
31.57
13
716,874
841,470
Dec-07
Saldo
Dec-08
Dec-09
Dec-10
Dec-11
1,058,866
1,384,279
1,803,925
2,281,785
2,681,676
637,407
462,220
54,815
813,089
669,325
47,985
-183,701
175,330
2,619
35,117
12,838
6,971
94,897
22,093
21,225
535,586
345,652
55,374
Dec-06
Dec-06
Dec-07
17.4
25.8
30.7
30.3
26.5
Dec-11
17.5
1,078,117
926,481
48,292
1,386,211
###
54,337
1,777,648
###
60,579
2,004,831
###
62,779
19.0
33.7
-1.0
27.6
44.8
-12.5
32.6
38.4
0.6
28.6
32.7
12.5
28.2
30.8
11.5
12.8
14.2
3.6
-244,781
237,829
2,321
31,497
12,283
6,413
-284,199
278,324
1,871
31,514
13,081
5,870
-321,462
316,299
1,787
33,755
17,515
5,619
3,718
3,718
5,577
224
1,906
108,146
37,962
24,985
568,546
511,052
20,468
670,454
654,652
-5,625
376,438
369,931
2,316
44,769
29,943
5,278
4,762
2,066
1,000
14,235
10,533
1,373
143,118
62,994
29,719
764,237
710,044
20,101
755,756
745,530
3,793
265,816
260,747
1,880
56,907
43,664
4,912
25.4
27.4
2.3
-10.2
-6.6
-5.7
33.2
35.6
-11.4
-10.3
-4.3
-8.0
16.1
17.0
-19.4
0.1
6.5
-8.5
13.1
13.6
-4.5
7.1
33.9
-4.3
17.1
17.0
29.7
32.6
71.0
-6.1
28.1
-44.4
155.2
4594.6
-28.0
32.3
65.9
18.9
34.4
38.9
-1.8
12.7
13.9
-32.6
-29.4
-29.5
-18.8
27.1
45.8
-6.9
111,045
31,460
24,902
102,659
37,925
21,607
143,730
63,406
25,581
196,848
98,661
33,975
17.0
42.4
17.3
-7.6
20.6
-13.2
40.0
67.2
18.4
37.0
55.6
32.8
255,138
172,151
24,195
307,544
242,593
20,323
434,152
381,288
17,645
618,674
571,669
14,970
834,145
796,703
12,956
20.5
40.9
-16.0
41.2
57.2
-13.2
42.5
49.9
-15.2
34.8
39.4
-13.5
462,669
302,469
46,706
138,794
90,887
13,967
323,876
211,582
32,739
15,579
8,700
2,006
566,018
389,806
55,135
170,900
118,716
16,328
395,118
271,090
38,807
43,775
18,932
7,773
713,303
559,525
51,328
193,629
151,036
14,217
519,674
408,489
37,111
56,444
29,980
8,833
871,152
718,631
48,574
197,101
158,792
12,200
674,051
559,839
36,373
73,261
44,181
9,261
22.3
28.9
18.0
23.1
30.6
16.9
22.0
28.1
18.5
181.0
117.6
287.6
26.0
43.5
-6.9
13.3
27.2
-12.9
31.5
50.7
-4.4
28.9
58.4
13.6
22.1
28.4
-5.4
1.8
5.1
-14.2
29.7
37.1
-2.0
29.8
47.4
4.8
34.9
36.5
38.1
3.2
2.7
14.6
44.2
46.2
46.0
16.3
29.1
5.1
39.0
46.0
6.7
27.4
36.7
-7.4
41.4
47.8
10.4
64.3
87.8
19.9
19.8
21.2
14.6
17.5
19.2
11.5
20.2
21.5
15.3
70.4
88.2
17.0
3.430
3.196
2.996
3.140
1,175,202
981,288
67,098
203,416
163,021
13,977
971,786
818,267
53,121
85,197
57,054
9,738
2.890
1,633,250
###
71,566
259,214
222,855
12,944
###
###
58,623
139,939
107,127
11,681
2.809
1,956,569
###
82,001
304,614
265,716
14,428
###
###
67,573
238,496
201,660
13,663
2.696
14
6.54
3.05
2.63
7.18
8.84
5.40
2.75
2.50
8.88
6.28
3.79
2.06
0.80
4.45
4.58
4.03
2.36
0.45
3.95
4.83
4.59
2.93
4.74
6.08
2.80
0.47
-
Dolarizacin
Crditos directos ME / Crditos directos (%)
35.46
- Crditos corporativos ME / Crditos corporativos (%)
- Crditos grandes empresas ME / Crditos grandes empresas(%)- Crditos medianas empresas ME / Crditos medianas empresas(%)
- Crditos pequeas empresas ME / Crditos pequeas empresas(%)
- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
6.00
- Crditos hipotecarios ME / Crditos hipotecarios (%)
64.86
- Crditos comerciales ME / Crditos comerciales (%)
76.72
- Crditos MES ME / Crditos MES (%)
32.53
27.48
4.56
63.44
71.67
21.12
17.68
2.84
61.00
63.06
12.18
14.06
2.07
58.49
55.89
7.60
11.33
1.61
48.11
49.88
4.49
9.57
96
64.90
10.11
2.36
1.73
33.12
-
31.13
30.54
31.39
56.75
21.56
22.00
21.40
46.89
17.51
19.44
16.94
39.69
16.50
19.86
15.80
33.03
12.31
14.03
11.98
23.45
34.63
34.52
34.67
44.16
4.30
0.00
0.00
2.73
4.63
4.88
3.61
0.86
-
0.09
0.56
1.30
-1.01
-0.02
-1.14
-0.30
-0.14
1.69
-2.56
-1.61 0.23
-0.69 0.30
-1.70 -0.34
-4.43 -0.50
-1.69 0.25
8.44 -7.98
56.62
26.00
55.98
7.09
1.35
1.91 -1.44
23.27 -1.42
-5.05
-11.41
-9.80
-1.72
-2.44
-8.61
-8.94
-3.62
-0.77
-2.51
-7.17
-4.58
11.30
12.77
11.03
15.45
-9.57
-8.54
-9.99
-9.86
-3.49
-3.98
-3.28
12.59
0.57
0.44
0.01
-
-0.29
-0.20
-0.11
-1.20
0.81
0.39
-
15
Dec-05
Dec-06
Dec-07
Saldo
Dec-08
1,404,180
1,306,191
Dec-09
Dec-10
Dec-11
1,262,711
648,504
985,648
1,028,278
1,152,889
535,648
349,250
54,343
-35,496
32,372
911
46,821
23
13,644
798,277
580,266
68,214
-78,171
74,242
1,229
41,753
796
12,815
###
925,752
88,466
-154,870
149,392
1,828
39,244
2,101
12,398
###
950,457
54,455
-204,466
200,135
1,379
39,011
10,900
8,953
865,008
789,780
26,030
-175,494
174,776
249
47,870
28,861
6,577
988,110
918,010
24,955
29,843
7,737
7,870
296,569
275,819
7,387
488,337
478,855
-3,375
105,177
104,495
243
68,184
51,104
6,081
42,780
6,721
10,513
50,759
8,602
13,191
70,384
18,210
17,415
115,254
56,724
18,640
95,742
60,872
12,066
410,550
310,134
29,276
627,594
496,626
40,979
926,297
756,049
56,825
762,716
682,698
25,483
545,902
525,270
7,139
INDICADORES
3.430
Dec-05
3.196
Dec-06
Calidad de cartera
Crditos atrasados / Crditos directos (%)
6.81
4.54
- Cartera corporativa atrasada / Cartera corporativa (%)- Cartera grande empresa atrasada / Cartera grande empresa
(%) - Cartera mediana empresa atrasada / Cartera mediana- empresa (%)
- Cartera pequea empresa atrasada / Cartera pequea- empresa (%)
- Cartera microempresa atrasada / Cartera microempresa
- (%)
- Cartera consumo atrasada / Cartera consumo (%)
1.91
1.45
- Cartera hipotecaria atrasada / Cartera hipotecaria (%) 8.38
7.66
- Cartera comercial atrasada / Cartera comercial (%)
25.40
12.88
- Cartera MES atrasada / Cartera MES (%)
5.12
4.04
Dolarizacin
Crditos directos ME / Crditos directos (%)
34.80
27.31
- Crditos corporativos ME / Crditos corporativos (%) - Crditos grandes empresas ME / Crditos grandes empresas(%)
- Crditos medianas empresas ME / Crditos medianas -empresas(%)- Crditos pequeas empresas ME / Crditos pequeas -empresas(%)- Crditos microempresa ME / Crditos microempresa (%)
- Crditos consumo ME / Crditos consumo (%)
8.80
5.03
- Crditos hipotecarios ME / Crditos hipotecarios (%) 99.95
98.09
- Crditos comerciales ME / Crditos comerciales (%) 84.29
83.05
- Crditos MES ME / Crditos MES (%)
24.46
20.87
2.996
Dec-07
3.140
Indicadores
Dec-08
3.46
2.02
2.87
3.86
3.70
2.809
Dec-11
4.53
5.12
5.04
0.79
7.54
4.85
3.26
1.30
2.60
6.64
5.08
3.15
1.83
2.56
2.38
4.05
3.91
3.63
1.88
5.78
4.84
15.25
2.12
72.06
50.78
10.49
8.70
7.09
5.13
0.41
39.71
36.42
3.78
74.07
7.00
1.94
0.65
25.05
-
73.29
5.97
0.83
0.49
18.41
-
42.5
-7.0
-21.3
12.1
9.5
49.2
59.5
29.7
98.1
101.2
48.7
-6.0
164.0
-3.3
-5.8
2.7
-38.4
32.0
34.0
-24.6
-0.6
418.8
-27.8
-22.9
-16.9
-52.2
-14.2
-12.7
-82.0
22.7
164.8
-26.5
14.2
16.2
-4.1
-40.1
-40.2
-2.3
42.4
77.1
-7.6
12.1
14.4
-15.5
-24.1
-21.8
-21.8
19.2
20.5
5.9
3.7
4.8
-53.9
40.5
40.7
9.7
13.3
23.4
-13.2
18.7
28.0
25.5
38.7
111.7
32.0
63.7
211.5
7.0
-16.9
7.3
-35.3
52.9
60.1
40.0
47.6
52.2
38.7
-17.7
-9.7
-55.2
-28.4
-23.1
-72.0
2.696
Dec-10
52.0
### 49.0
###
66.1
21,077
25.5
22,649
6,049
6,157
353,501
332,413
7,822
506,217
502,024
1,555
147,787
120.2
147,069
129.3
267
34.9
77,276
-10.8
63,052
3360.0
5,276
-6.1
Dec-09
3.63
-
22.26
3.54
94.65
74.13
18.38
2.890
-2.27
-0.46
-0.72
-12.52
-1.08
-1.08
0.57
-4.78
-9.01
-0.34
0.17
0.54
-0.49
0.18
0.22
0.90
1.07
-0.50
1.74
0.92
0.59
-0.37
-0.58
-
-0.08
1.81
-0.91
0.23
-0.12
0.53
-
-7.49
-3.78
-1.86
-1.24
-3.59
-5.05
-1.49
-3.45
-8.92
-2.49
-7.01
-1.42
-22.59
-23.34
-7.89
-6.55
-1.71
-32.35
-14.36
-6.71
-1.60
0.24
-14.66
-
-1.96
-0.78
-1.03
-1.11
-0.16
-6.64
-
Ver definiciones
16
3.430
Dec-06
###
116,122
407,553
###
116,122
405,756
1,191
373
3.196
Saldo
Dec-08
Dec-07
###
172,766
539,894
###
172,766
537,717
779
260
###
186,940
472,545
###
186,338
471,255
874
278
2.996
3.140
Dec-10
Dec-11
Dec-06
657,741
96,770
194,108
-
107,412
38,238
2,930
1,043
13,953
4,967
51,259
18,248
312,290
1,520
115,271
11,635
4,316
91,339
33,879
153,378
1,296
56,410
-12.9
31.7
-9.3
-
26.2
48.8
32.5
-
-6.7
8.2
-12.5
-
-60.6
-48.2
-58.9
-
-83.7
-80.3
-
190.7
201.5
297.1
313.7
554.6
582.1
199.2
209.1
655,173
96,269
193,392
524
39
168
20,939
7,454
7,454
18,331
6,526
-
30,208
224
11,122
25,730
9,544
-
-13.0
31.7
-9.4
416.4
454.2
26.2
48.8
32.5
-34.6
-30.2
-6.6
7.9
-12.4
12.2
7.1
-60.7
-48.3
-59.0
-40.0
-39.7
44.3
49.2
40.4
46.2
-
2.890
Indicadores
Dec-08
Dec-09
Dec-05
Dec-06
Dec-07
1.63
0.23
0.09
0.25
94.59
91.81
90.35
88.81
Dec-09
2.809
Dec-11
2.696
Variacin Anual (En puntos porcentuales)
Dec-06
Dec-07
Dec-08
Dec-09
Dec-10
Dec-11
Dec-10
Dec-11
1.11
1.49
0.66
-1.41
-0.14
0.16
0.85
0.39
-0.83
85.29
100.00
99.51
-2.77
-1.46
-1.54
-3.52
14.71
-0.49
BANCO DE LA NACIN 1/
PRINCIPALES CUENTAS Y VARIABLES
Activos (Miles S/.)
Dec-05
Dec-06
###
###
###
Dec-10
Dec-11
###
###
###
###
###
### 13.1
54.6
###
0.1
5.2
4.8
Dec-11
7.0
###
31
###
###
31
-
###
31
###
###
31
-
###
31
###
###
31
28
28
-
###
###
31
###
###
31
2,683
2,683
-
###
###
31
###
###
31
21,279
21,279
-
### 4.4
###
4.4
31
-10.1
###
4.4
###
4.4
31
-10.1
47,915
47,915
-
68.3
68.3
0.0
68.3
68.3
0.0
-
-12.2
7.4
29.5
-12.2
7.4
29.5
0.0
0.0
0.0
-12.2
7.3
28.7
-12.2
7.3
28.7
0.0
0.0
0.0
9318.1 693.0
9318.1 693.0
-
7.7
7.7
0.0
6.8
6.8
0.0
125.2
125.2
-
###
###
361,103
###
###
209,543
###
###
4,641
855,102
351,168
146,920
47,986
24,031
6,984
###
###
420,109
###
###
283,599
###
###
7,041
803,060
389,278
129,469
50,876
27,158
7,421
###
###
405,183
###
###
233,230
###
###
7,692
###
536,259
164,261
50,223
30,381
6,623
###
###
508,439
###
###
334,302
###
###
9,030
###
955,635
165,107
55,070
33,660
6,818
###
###
809,861
###
###
429,020
###
###
12,685
###
###
368,156
55,201
34,690
7,097
###
###
897,342
###
###
501,754
###
###
12,198
###
###
383,389
58,151
38,382
7,038
###
###
###
###
###
675,152
###
###
14,286
###
###
327,709
63,231
43,351
7,374
78.7
95.8
-3.6
100.2
122.3
-17.8
20.1
20.3
9.2
28.1
37.8
26.9
-1.3
11.9
-10.8
-3.5
-6.6
25.5
-10.1
-13.8
43.3
13.6
13.5
17.4
43.3
78.2
0.5
9.7
10.8
3.0
8.0
7.9
13.4
7.8
4.7
34.6
24.8
24.9
17.1
-13.9
-10.2
-14.5
8.7
12.9
4.8
INDICADORES
2.996
3.140
Dec-07
Calidad de cartera
Crditos atrasados / Crditos directos (%)
0.08
- Cartera consumo atrasada / Cartera consumo (%)0.08
- Cartera hipotecaria atrasada / Cartera hipotecaria (%)
0.13
0.13
0.16
0.16
0.59
0.59
0.00
Dolarizacin
Crditos directos ME / Crditos directos (%)
0.01
- Crditos consumo ME / Crditos consumo (%)
0.01
- Crditos hipotecarios ME / Crditos hipotecarios (%)
0.01
0.01
0.00
0.00
16.27
15.22
1.50
51.53
46.62
8.23
5.86
1.28
47.85
39.51
17.76
14.64
1.32
58.93
49.92
2.890
Indicadores
Dec-08
Dec-09
Dec-06
Dec-05
3.196
###
Crecimiento (%)
### ### ###
###
35
###
###
35
-
3.430
###
Dec-09
###
Saldo
Dec-08
Dec-07
2.809
18.3
20.5
16.3
21.3
20.4
35.3
23.6
23.4
51.7
-6.1
10.9
-11.9
6.0
13.0
6.3
8.6
3.8
59.3
-3.0
-5.3
28.3
21.9
21.8
40.5
74.6
58.0
123.0
0.2
3.1
4.1
6.5
6.3
10.8
6.9
6.0
17.0
24.5
25.0
-3.8
-12.5
-22.2
4.1
5.3
10.6
-0.8
2.696
Variacin Anual (En puntos porcentuales)
### ### ### ### ### Dec-11
Dec-10
Dec-11
0.67
0.67
0.00
0.62
0.62
0.00
0.73
0.75
0.00
0.06
0.06
-
0.03
0.03
-
0.43
0.43
-
0.07
0.07
0.00
-0.05
-0.05
0.00
0.12
0.13
0.00
0.01
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-
0.00
0.00
-
0.00
0.00
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
11.22
9.79
1.39
35.17
38.88
15.14
11.92
1.47
41.33
37.16
15.31
12.68
1.11
47.82
34.00
15.42
15.19
1.00
45.58
31.44
-1.49
0.58
0.19
-7.41
-3.30
-8.04
-9.36
-0.22
-3.67
-7.11
2.98
3.93
0.11
-12.68
-0.63
3.92
2.13
0.08
6.16
-1.72
0.17
0.76
-0.37
6.49
-3.16
0.11
2.51
-0.11
-2.24
-2.56
AGROBANCO
PRINCIPALES CUENTAS Y VARIABLES
Dec-05
Activos (Miles S/.)
Dec-06
Dec-07
Saldo
Dec-08
Dec-09
1/
Dec-10
125,320
292,196
307,658
312,991
313,325
334,889
46,538
41,969
1,430
134
134
24,697
20,133
1,428
21,707
21,703
1
63,478
48,981
4,839
700
700
41,943
27,445
4,839
20,836
20,836
-
###
87,846
6,632
461
461
60,963
40,137
6,632
47,247
47,247
-
###
131,170
7,446
430
430
58,549
37,031
7,446
93,709
93,709
-
###
243,156
6,846
5,160
4,099
378
23,674
10,166
4,809
40,432
35,836
1,636
333
333
192,787
192,722
23
3.430
Dec-05
3.196
2.996
3.140
2.890
Indicadores
Dec-08
Dec-09
Dec-06
Dec-07
Calidad de cartera
Crditos atrasados / Crditos directos (%)
4.20
13.85
3.24
6.20
Dolarizacin
Crditos directos ME / Crditos directos (%)
0.39
9.82
22.84
19.16
2.809
Dec-11
321,389
###
203.6
230,717 174.8
5,994
8088.6
8,796
3,880
1,823
13,951
8,126
2,161
80,536
75,129
2,005
143,373
143,359
5
223
-47.3
223
-47.3
234.2
172.4
182.4
184.6
-91.6
5.3
1.7
0.1
6.9
-4.0
36.4
16.7
238.5
423.6
423.6
69.8
36.3
238.9
-4.0
-4.0
-
71.2
79.3
37.1
-34.1
-34.1
45.3
46.2
37.1
126.8
126.8
-
40.5
49.3
12.3
-6.7
-6.7
-4.0
-7.7
12.3
98.3
98.3
-
71.8
85.4
-8.1
-22.6
-22.6
105.7
105.7
-
-5.9
-5.1
-12.4
70.5
-5.3
383.0
-41.1
-20.1
-55.1
99.2
109.6
22.6
-33.2
-33.2
-
2.696
Variacin Anual (En puntos porcentuales)
Dec-06 Dec-07 Dec-08 Dec-09 Dec-10 Dec-11
Dec-10
Dec-11
3.97
3.02
4.53
9.65
-10.61
2.96
-2.22
-0.95
1.51
14.09
7.33
6.55
9.43
13.02
-3.68
-5.07
-6.76
-0.78
Grandes empresas
Medianas empresas
Pequeas empresas
Microempresas
Consumo
Hipotecarios para Vivienda
TOTAL CRDITOS
DIRECTOS
Total
Agrobanco
2/
Banco
de la Nacin
1/
Empresas de
Arrendamien
to
Financiero
EDPYMEs
Cajas
Rurales
de Ahorro y
Crdito
Cajas
Municipales
Banca
Mltiple
Tipo de Crdito
Corporativos
Empresas
Financieras
26,492,383
21,132
38,850
4,762
11,635
###
22,428,203
139,177
18,419
14,235
91,339
8,796
###
23,904,819
437,353
824,613
143,118
22,649
153,378
13,951
###
###
11,059,538
###
###
764,237
353,501
30,208
80,536
2,547,571
###
###
755,756
506,217
25,730
143,373
22,695,453
###
###
265,816
147,787
56,907
77,276
19,249,934
128,377,902
80,280
###
487,889
###
###
###
312,290
###
47,915
###
8,770,856
223
###
###
246,878
###
Depsitos a la Vista
Depsitos de
Ahorro
Depsitos a Plazo
TOTAL DE
DEPSITOS
###
7,725
###
127,929
###
Total
Banco de la
Nacin
Cajas Rurales
de Ahorro y
Crdito
Cajas
Municipales
Empresas
Financieras
Banca Mltiple
6/30/2006
###
###
304,614
###
###
###
###
###
###
###
###
###
###
###
###
###
###
21
EDPYMEs
Empresas de
Arrendamie
nto
Financiero
Agrobanco
2/
81,969
3,493
241,912
117,020
6,716
3,529
12,077
1,244
63,564
15,457
4,299
28,977
313,510
439,268
69,825
74,442
27,105
420
1,454
3,769
323
294
509
5,327,794
2,599,398
107,712
180,344
49,019
12,462
28,230
2,977,165
100
3,173,598
177,692
1,457,403
3,606
4,802,099
23,180
Industria Manufacturera
21,669,307
5,321,445
Construccin
Sector Econmico
Comercio
Total
Cajas
Rurales
de Ahorro y
Crdito
425,605
Empresas
Financieras
689,617
Banca
Mltiple
Cajas
Municipales
4,793,887
1,601,595
4,937,576
22,593,877
19,351,311
1,557,499
3,262,395
583,116
427,134
26,015
Hoteles y Restaurantes
1,872,820
136,923
326,642
37,530
32,203
5,698
2,411,816
6,318,783
491,552
1,332,369
258,195
121,636
83,580
8,606,114
Intermediacin Financiera
3,699,048
23,326
39,538
3,022
2,278
1,646
9,371,075
274,514
501,319
70,559
45,354
81,889
25,207,569
3,768,858
210
10,344,921
232,180
2,797
21,679
3,918
1,325
261,900
1,108,565
12,550
75,165
11,718
3,287
195
1,211,480
507,716
33,973
45,707
6,859
4,145
790
3,128,116
95,999
323,915
100,484
29,606
12,088
1,819,652
1,060,137
42,381
39,762
38,402
86,432,515
Crditos Corporativos, a Grandes, Medianas, Pequeas y
Microempresas### 7,464,693 1,682,108
882,366
312,290
599,190
2,765
3,692,973
3,000,337
246,655
101,337,052
Nota: Informacin obtenida del Anexo 3: Flujo crediticio por tipo de crdito.
1/ Considera la suma de los crditos corporativos, a grandes empresas, a medianas empresas, a pequeas empresas y microempresas.
2/ No considera los crditos a las dems empresas del Sistema Financiero.
22
Amazonas
Ancash
Apurimac
Arequipa
Cajas
Rurales de
Ahorro y
Crdito
Edpymes
Empresas de
Arrendamien
to Financiero
Agrobanco1/
10012
10013
10014
10015
10017
125
62,222
###
65,471
###
2/
Cajas
Municipales
10011
Nacin
Empresas
Financieras
Departamento
Banca
Mltiple
Al 31 de December de 2011
(En miles de Soles)
895
144,328
9,310
9,349
43,572
206,107
270,275
72,259
2,416
89,457
31,239
207,318
39,881
8,791
544,542
###
181,054
144,910
27,444
176,324
34,654
Ayacucho
308,951
78,059
138,172
46,419
13,234
9,310
61,202
Cajamarca
989,460
180,467
358,224
106,270
17,795
8,690
91,574
Callao
###
101,740
30,436
13,112
Cusco
###
168,805
719,486
41,181
Huancavelica
184,637
14,868
87,834
114,809
21,872
23,325
61,598
4,379
426,257
106,912
196,194
9,812
18,085
Ica
###
148,689
326,927
241,641
1,772
Junin
###
387,827
509,693
88,302
98,661
59,620
142,680
La Libertad
###
287,938
571,575
158,991
59,827
14,529
135,475
Lambayeque
###
218,860
425,458
61,886
87,274
20,528
141,817
Lima
###
###
###
510,747
329,719
Huanuco
Loreto
984,793
58,871
Madre de Dios
111,882
12,904
260,743
4,079
Moquegua
292,711
14,040
155,621
21,776
Pasco
188,777
51,304
56,502
###
351,096
991,798
316,235
539,022
###
107,391
Tacna
694,707
Tumbes
255,802
Ucayali
623,778
Piura
Puno
San Martin
737,762
208,521
7,296
312,290
9,393
25,468
64,400
98,711
19,222
949,469
14,629
121,198
5,560
22,306
1,713
29,319
49,512
81,805
9,847
83,654
156,985
17,122
88,044
285,597
28,801
3,842
21,677
81,629
78,661
339,382
62,923
9,943
41,675
41,708
189,900
13,692
1,456
36,651
93,134
149,174
17,511
47,081
###
###
###
###
Extranjero
###
Total de Crditos
###
###
###
###
### 312,290
-
### 312,290
246,878
246,878
10,920
145,644
###
###
Nota: Informacin obtenida del Anexo N 10: Depsitos, Colocaciones y Personal por Oficina y en el caso de B. Nacin es el Anexo N 6: Reporte Crediticio de Deudores
1/ No considera los crditos a las dems empresas del Sistema Financiero.
23
Amazonas
Empresas
Financieras
Cajas
Municipales
Cajas
Rurales
de Ahorro y
Crdito
Banco
de la Nacin
Departamento
Banca
Mltiple
Al 31 de December de 2011
(En miles de Soles)
10011
10012
10013
10014
61
39,849
1,762
1,050,964
9,618
187,076
39,325
682,765
Apurimac
133,982
1,409
63,383
15,524
110,753
Arequipa
Ancash
44,630
111,821
2,783,717
75,444
1,222,468
155,607
465,729
Ayacucho
172,076
1,749
67,853
30,735
228,008
Cajamarca
791,751
4,854
166,693
74,525
Callao
2,574,243
7,431
55,201
Cusco
965,123
6,293
664,476
127,552
673,955
40,054
1,520
28,855
3,351
133,320
Huanuco
238,289
5,602
65,685
556
138,835
Ica
983,116
4,003
331,601
269,146
161,884
Junin
883,632
51,705
488,583
28,027
350,580
2,186,094
27,363
581,625
249,914
595,661
Huancavelica
La Libertad
Lambayeque
Lima
Loreto
Madre de Dios
Moquegua
Pasco
Piura
463,541
255,149
992,877
25,698
295,812
41,507
243,307
106,768,397
2,492,280
3,096,423
813,081
11,474,259
448,934
1,363
165,053
306
106,119
89,348
684
68,430
496
35,142
351,294
5,293
97,528
4,131
181,239
160,346
3,106
38,088
1,369,241
5,781
957,534
4,810
178,579
257,312
Puno
408,886
6,725
125,631
66,902
307,829
San Martin
266,255
2,150
87,075
2,557
128,081
Tacna
627,065
5,282
307,772
24,427
367,446
88,689
1,477
68,612
2,330
299,729
4,512
34,521
2,751,340
9,305,830
Tumbes
Ucayali
Total Depsitos Pas
Extranjero
Total de Depsitos
###
1,352,568
###
2,751,340
9,305,830
1,956,569
1,956,569
35,376
95,354
###
###
Nota: Informacin obtenida del Anexo N 10: Depsitos, Colocaciones y Personal por Oficina y del Anexo 6: Reporte Crediticio del Deudor
24
Cajas
Rurales
de Ahorro y
Crdito
Empresas de
Arrendamien
to
Financiero
Banco
de la Nacin
Agrobanco
198
1,674
154
14
Medianas empresas
17,808
1,377
2,183
412
165
Pequeas empresas
178,124
64,294
114,761
33,421
Microempresas
406,744
506,647
526,095
2,539,860
978,761
152,941
3,073,206
Grandes empresas
Consumo
Hipotecarios para Vivienda
TOTAL DEUDORES
3/
2/
Cajas
Municipales
13
Corporativos
Total
Empresas
Financieras
464
Tipo de Crdito
EDPYMEs
Banca
Mltiple
Al 30 de November de 2011
665
1,721
297
50
37
18,563
19,959
184
244
2,184
292,212
201,307
145,868
60
161
17,250
###
358,508
63,878
57,982
536,575
32
###
2,880
8,390
2,092
1,131
843
1,486,008
989,814
299,122
220,534
578
537,928
19,504
168,073
###
25
10015
10017
Total
2/
Agrobanco
10014
1/
EDPYMEs
Cajas
Rurales
de Ahorro y
Crdito
Cajas
Municipales
10013
Banco
de la Nacin
10012
Empresas de
Arrendamien
to
Financiero
10011
#N/A
Empresas
Financieras
Departamento
Banca
Mltiple
(En porcentaje)
Amazonas
5.5
3.5
5.4
3.1
1.4
0.6
4.3
Ancash
2.2
3.0
8.2
8.6
11.4
0.7
3.2
Apurimac
4.6
4.7
4.6
2.5
4.6
0.7
4.0
Arequipa
1.6
3.8
3.9
3.1
5.2
0.3
2.4
2.4
Ayacucho
4.6
6.0
7.9
3.5
6.0
1.2
20.9
5.3
Cajamarca
2.2
2.4
4.5
5.8
17.5
0.6
11.5
3.1
Callao
1.3
4.1
9.4
7.8
1.0
1.4
Cusco
2.0
2.8
3.8
2.6
3.6
0.5
2.9
2.6
Huancavelica
2.6
1.5
2.6
7.6
0.7
2.2
Huanuco
3.0
2.1
3.3
17.2
4.7
0.8
3.0
Ica
2.1
3.2
5.0
10.0
0.9
3.1
Junin
2.3
3.8
3.1
6.1
4.8
0.9
7.2
2.8
La Libertad
2.0
3.7
7.3
3.6
6.0
0.4
10.6
2.7
Lambayeque
2.7
3.9
6.0
9.4
7.2
0.4
6.6
3.4
Lima
1.3
3.9
6.2
4.6
5.3
0.6
0.8
4.4
1.5
Loreto
3.0
7.8
5.8
6.8
1.3
7.7
3.5
Madre de Dios
4.4
1.8
7.8
0.8
0.9
6.6
Moquegua
1.6
2.5
3.7
2.7
2.0
0.4
2.3
Pasco
1.4
2.0
3.2
3.8
0.7
1.7
Piura
2.8
4.9
5.7
4.8
4.9
1.1
9.0
3.7
Puno
2.8
2.3
4.6
3.6
3.2
0.6
4.5
3.2
San Martin
3.0
2.6
7.8
4.4
2.7
0.8
5.5
3.9
Tacna
1.9
2.2
3.1
3.6
8.3
0.5
2.3
Tumbes
4.5
2.8
4.9
3.8
0.5
4.2
Ucayali
6.0
3.4
6.3
4.1
1.7
5.5
26
EDPYMEs
Empresas de
Arrendamiento
Financiero
10013
10014
10015
10017
Total
Cajas Rurales de
Ahorro y Crdito
10011
#N/A
Agrobanco 2/
Cajas Municipales
Sector Econmico
Empresas
Financieras
Banca Mltiple
(En porcentaje)
1.8
5.0
7.5
7.5
6.2
2.8
6.3
3.2
Pesca
1.1
4.4
7.4
6.1
2.3
19.3
1.5
Minera
0.2
7.3
4.9
2.0
2.4
0.3
Industria manufacturera
1.0
4.2
7.4
6.1
6.0
0.2
1.1
0.0
0.2
2.3
21.7
6.2
0.0
Construccin
2.9
2.9
14.4
1.1
8.3
1.7
3.5
Comercio
2.0
4.6
6.5
6.1
6.3
1.4
2.8
Hoteles y restaurantes
1.3
3.8
4.7
5.1
4.8
0.2
1.9
1.2
4.0
5.4
3.2
5.0
0.7
2.0
Intermediacin financiera
0.0
0.8
2.9
5.1
3.9
0.1
1.2
2.0
4.5
7.6
4.7
0.2
1.4
0.5
1.6
5.5
5.3
8.8
0.9
Enseanza
0.5
2.3
2.4
2.2
2.8
0.6
0.9
1.6
4.6
3.3
7.0
1.2
2.2
4.6
6.5
4.6
5.5
3.3
1.0
4.3
7.4
6.1
5.8
1.2
1/ Considera la suma de los crditos corporativos, a grandes empresas, a medianas empresas, a pequeas empresas y microempresas.
2/ No considera los crditos a las dems empresas del Sistema Financiero.
27
Arequipa
Santa
Arequipa
Callao
Callao
Extranjero
Ica
Extranjero
Chincha
Ica
Nazca
La Libertad
Palpa
Pisco
Ascope
Chepen
Gran Chimu
Otuzco
Pacasmayo
Pataz
Sanchez Carrion
Santiago de Chuco
Trujillo
Viru
Lambayeque
Chiclayo
Ferreafe
Lambayeque
Lima
Barranca
Cajatambo
Canta
Caete
Huaral
Huarochiri
Huaura
Lima
Piura
Yauyos
Ayabaca
Huancabamba
Morropon
Paita
Piura
Sechura
Sullana
Talara
Tacna
Candarave
Jorge Basadre
Tacna
Tarata
Chimbote
Arequipa
Cayma
Cerro Colorado
Jose Luis Bustamante y Rivero
La Joya
Miraflores
Paucarpata
Santa Rita de Siguas
Socabaya
Yanahuara
Alto Selva Alegre
Bellavista
Callao
Carmen de la Legua Reynoso
Ventanilla
Extranjero
Chincha Alta
Pueblo Nuevo
Ica
Parcona
Santiago
Marcona
Nazca
Palpa
Pisco
Ascope
Casa Grande
Chocope
Paijan
Santiago de Cao
Chepen
Cascas
Otuzco
Guadalupe
Pacasmayo
Parcoy
Tayabamba
Huamachuco
Quiruvilca
Santiago de Chuco
El Porvenir
Huanchaco
La Esperanza
Trujillo
Chao
Viru
Cayalt
Chiclayo
Chongoyape
Eten
Jose Leonardo Ortiz
La Victoria
Monsefu
Oyotun
Patapo
Pimentel
Pomalca
Reque
Ferreafe
Pueblo Nuevo
Jayanca
Lambayeque
Mochumi
Morrope
Motupe
Olmos
Tucume
Barranca
Paramonga
Supe
Supe Puerto
Cajatambo
Canta
Asia
Chilca
Imperial
Lunahuana
Mala
San Vicente de Caete
Chancay
Huaral
Matucana
San Mateo
Huacho
Huaura
Sayan
Ate
Barranco
Brea
Carabayllo
Chorrillos
Comas
El Agustino
Independencia
Jesus Maria
La Molina
La Victoria
Lima
Lince
Los Olivos
Lurigancho
Lurin
Magdalena del Mar
Miraflores
Pachacamac
Pueblo Libre
Puente Piedra
Rimac
San Borja
San Isidro
San Juan de Lurigancho
San Juan de Miraflores
San Luis
San Martin de Porres
San Miguel
Santa Anita
Santiago de Surco
Surquillo
Villa El Salvador
Villa Maria del Triunfo
Yauyos
Ayabaca
Montero
Canchaque
Huancabamba
Huarmaca
Chulucanas
La Matanza
Morropon
Salitral
Colan
Paita
Castilla
Catacaos
La Union
Las Lomas
Piura
Tambo Grande
Sechura
Bellavista
Ignacio Escudero
Querecotillo
Sullana
El Alto
Los Organos
Mancora
Parias
Candarave
Ilabaya
Locumba
Alto de la Alianza
Ciudad Nueva
Cor Gregorio Albarracn
Tacna
Tarata
98,165
504,650
44,781
307
6,998
20,898
2,457
340
49,055
7,128
2,786
17,961
165
1,553
2,926
Edpymes
Total
Hipotecario
Cajas Rurales
de Ahorro y
Crdito
Empresas
Financieras
Distrito
Cajas
Municipales
Provincia
Banca Mltiple
Hipotecario
Departamento
4,725
237
642
704
348
70
41,632
41,632
55,304
377,392
8,566
17,443
84,007
141,011
55,304
378,176
8,566
17,443
785
30
2
1,073
2,141
17,698
882
36
11,186
191
310
1,481
65
116
6,179
91,099
36
174,933
205
99
1,384
6,096
65
18,237
22,734
13
99
2,474
424
931
7
8,841
3,472
84
931
7
12,397
551
551
13,153
13,153
562
1,044
759,750
98,505
559,378
52,145
2,786
26,011
165
22,451
5,453
677
921
1,599
411
26
717
41,415
17
990
26
1,764
807,504
5
653
182
3
6,320
5
415
350,584
8,908
189
18,330
2,231
19
56
451
360,132
73
20,561
73
1,349
878
11
11
18,372
921
19,293
1,068
2,227
2,897
3,965
25
25
21,721
1,520
13,492
20,998
1,469
13,206
723
51
286
29,808
1,004
43
140
3,998
44
2,377
766
953
1,306
34
153,499
45,377
128,016
96,602
17,309
3,694
28,869
258,801
140,934
202,162
5,988,422
157,989
70,516
2,775
5,346
145,118
1,144,421
152,184
3,677
22,146
259,605
4,436,404
54,680
37,413
17,358
75,625
213,494
54,407
663,265
82,922
9,236
8,813
27
1,456
792
2,764
38,699
984
6,766
1,844
50
2,313
12,484
4,581
65
29
9,810
67,819
1,800
5,118
3,420
961
401
4,913
151
70,535
54
6
37
2,156
2,184
554
1,755
153,150
3,858
22,146
261,404
4,526,780
58,305
38,380
17,358
75,662
215,651
56,590
731,638
82,922
10,991
8,813
79
79
121
314
5,276
26,618
21,817
1,085
21
157,548
45,377
130,393
766
97,555
18,649
3,694
28,896
260,257
141,726
209,507
6,027,185
158,973
77,476
4,618
5,416
147,431
1,157,306
121
194
203
4,353
169
461
91
248
248
9,219
81
7,208
24,752
64
194
203
335,209
169
461
91
248
248
35,901
17
91
180
17
591
91,474
39
22,902
515
83,144
166
19
966
181
6,813
19,476
330,796
30,952
43
6
515
500
8,150