INDICADORES FINANCIEROS JULIO 2014

Preparado por Jos Alfredo Guerrero. Reportes generados con base de datos en Access, desarrollada por el
autor con la informacin de la Superintendencia de Bancos publicada en su portal.

INDICADORES ESTRUCTURA DE ACTIVOS

BellBank
(Crditos Vigentes + Inversiones)/Activos

Activos del Banco y Participacin en Total

MM RD$

% Total

Total

600

5.40E-02

500

5.20E-02

Banco

78.0
76.0
74.0

5.00E-02

400

4.80E-02

72.0
70.0
68.0

Total Cartera de Crditos/Activos Netos

Banco

Total

70.0

60.0

60.0

50.0

50.0

40.0

40.0

30.0

30.0

20.0

20.0

10.0

10.0

0.0

0.0

D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
Ag
-1
3
O
-1
3
D13
F14
A14
J14

70.0

D-09

Total

Total Inversiones/Activos Netos

Banco

J-14

J-14

A-14

J-14

F-14

M-14

D-13

A-14

O-13

M-14

D-11

F-14

J-11

E-14

D-10

D-13

J-10

N-13

58.0

Ag-13

4.00E-02

J-13

60.0

A-13

4.20E-02

62.0

F-13

100

64.0

D-12

4.40E-02

J-12

200

66.0

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

4.60E-02

300

BellBank

Disponibilidades/Activos Netos
Total

Bienes Recibidos en Recuperacin de

Crditos/Activos Netos

Banco
Total

25.0

Banco

12.0

20.0

10.0

15.0

8.0
6.0

10.0
4.0

5.0

2.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

Activos Fijos Brutos/Activos Brutos

Total

Otros Activos/Activos Netos

Banco

Total

5.0

1.6

4.5
4.0

1.4
1.2

3.5
3.0
2.5

1.0

2.0

0.6

1.5
1.0

0.4

0.8

0.2

-0
9
D

J14

-1
4
A

F14

-1
3
D

-1
3
O

g13
A

J13

-1
3
A

F13

-1
2
D

J12

-1
1

0.0
J11

-1
0

0.5
0.0
D

Banco

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.0

0.0

INDICADORES ESTRUCTURA DE PASIVOS

BellBank
Total Captaciones/Total Pasivos

Pasivos del Banco y Participacin en Total

MM RD$

% Total

Total

350

0.04

300

0.035

Banco

100.0
95.0

0.03

250

0.025

200

90.0

0.02

85.0

0.015

80.0

150
100

0.01

50

75.0

0.005

Total Depsitos/Total Captaciones

Total

Total Valores Circulacin/Total Captaciones

Total

Banco

Banco

S-

14
J-

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4

-1

0
M

S1

10
M
-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

100.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0

90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0

J-14

M-14

M-14

E-14

N-13

J-14

S-13

J-14

Jl-13

M-14

M-13

A-14

M-13

M-14

E-13

F-14

S-12

E-14

M-12

D-13

S-11

N-13

70.0
M-11

S-10

BellBank

Depsitos a la Vista/Total Depsitos

Total

Depsitos Ahorro/Total Depsitos

Total

Banco

Banco

120.0

45.0
40.0
35.0
30.0
25.0
20.0
15.0
10.0
5.0
0.0

100.0
80.0
60.0
40.0
20.0

-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

3
-1

12

13

Banco

-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

3
-1

13

12

E-

S-

2
-1

11

S-

-1

100.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
10

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

E-

S-

-1

11

Total

Banco

180.0
160.0
140.0
120.0
100.0
80.0
60.0
40.0
20.0
0.0
D

Total Pasivos/Total Activos Netos

S-

Total

Activos Productivos/Total Pasivos

S-

-1

10

S-

14
J-

3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4

-1
M

-1
M

13
E-

12
S-

11

-1
M

S-

-1
M

S-

10

0.0

INDICADORES CARTERA DE PRESTAMOS

BellBank
Cartera Bruta Banco y Participacin en el Total
MM RD$

Cartera Vigente/Cartera Bruta

% Total

Total

160

2.50E-02

100.0

2.00E-02

95.0

1.50E-02

90.0

1.00E-02

85.0

Banco

140
120
100
80
60
40

5.00E-03

80.0

20

D-13 E-14 F-14

M-14 A-14 M-14

J-14

J-14

Total Cartera Vencida/Cartera Bruta

Total

Cartera Cobranza Judicial/Cartera Bruta

Banco

18.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

N-13

75.0
-0
9

0.00E+00

Total

Banco

2.5

16.0

2.0

14.0
12.0

1.5

10.0
8.0

1.0

6.0

0.5

4.0
2.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
Ag
-1
3
O
-1
3
D13
F14
A14

0.0

0.0

BellBank
Cartera Reestructurada/Cartera Bruta

Cartera Vencida/Cartera Bruta

Total

Banco

Total

16.0

45.0

14.0

40.0

12.0

35.0
30.0

10.0

25.0

8.0

20.0

6.0
4.0

15.0
10.0

2.0

5.0

MM RD$

J-14

A-14

F-14

D-13

O-13

Ag-13

J-13

A-13

F-13

D-12

J-12

D-11

J-11

D-10

D-09

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

Provisiones Cartera Crdito por Banco y Participacin en el

Total

J-10

0.0

0.0
D

Banco

Provisin Cartera Crdito/Cartera Vencida

Total

% Total

16

350.0

14

300.0

12

250.0

10

Banco

200.0
150.0
100.0
50.0

E-14

F-14

M-14

A-14

M-14

J-14

J-14

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

D-13

N-13

0.0

INDICADORES CARTERA DE PRESTAMOS

BellBank
Cartera Vigente MN/Cartera Crdito
Total

Cartera Vigente ME/Cartera Crdito

Total

Banco

120.0

35.0

100.0

30.0

Banco

25.0

80.0

20.0
60.0
15.0
40.0

Cartera e Inversiones Vigentes y % Sistema

Cartera Vencida y Cobranza Judicial y % Sistema

J14

S13
N
-1
3
E14
M
-1
4
M
-1
4

S12
E13
M
-1
3
M
-1
3
Jl
-1
3

S10
M
-1
1

J14

E14
M
-1
4
M
-1
4

-1
3
N

S13

Jl
-1
3

M
-1
3

E13
M
-1
3

0.0
S12

0.0
S11
M
-1
2

5.0

S10
M
-1
1

20.0

S11
M
-1
2

10.0

INDICADORES LIQUIDEZ

BellBank
Disponibilidades y Participacin en el Total
% Total

Total

70

4.00E-02

60

3.50E-02
3.00E-02

50

2.50E-02

40

2.00E-02

30

1.50E-02

20

1.00E-02

10

5.00E-03

0.00E+00
N-13

D-13

E-14

F-14

M-14 A-14 M-14

J-14

J-14

45.0
40.0
35.0
30.0
25.0
20.0
15.0
10.0
5.0
0.0

Disponibilidades/Total Captaciones + Oblig. Con

Costo
45.0

Total

Disponib.+ Inversiones en Depsitos y

Valores/Total Activos

Banco

Total

70.0

30.0

60.0

25.0

50.0

20.0

40.0

15.0

30.0

10.0

20.0

5.0

10.0

0.0

0.0
D

-0
9

35.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

80.0

-0
9

40.0

Banco

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J1
A 3
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

4.50E-02

Banco

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

80

MM RD$

Disponibilidades/Total de Captaciones

BellBank
Activos Productivos/Total Captaciones + Oblig. Con Costo
Total

250.0

Banco

200.0
150.0
100.0
50.0

J14

-1
4
A

F14

-1
3
D

-1
3
O

g13
A

J13

-1
3
A

F13

-1
2
D

J12

-1
1
D

J11

-1
0
D

J10

-0
9

0.0

Disponibilidades en Caja

Disponibilidades en Banco Central

MM RD$

MM RD$

% Total

60

4.50E-02

% Total

2.50E-02

4.00E-02

50

3.50E-02

40

3.00E-02

2.00E-02

4
1.50E-02

2.50E-02

30

2.00E-02

20

1.50E-02

3
1.00E-02
2

1.00E-02

10

5.00E-03

0.00E+00
N-13

D-13

E-14

F-14

M-14 A-14 M-14

J-14

J-14

5.00E-03

1
0

0.00E+00
N-13 D-13 E-14 F-14 M-14 A-14 M-14 J-14

J-14

ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS

BellBank
Sueldos y compensaciones al personal/Total
Gastos Generales y Administrativos

Gastos Generales y Administrativos y % Total

MM RD$

% Total

45

0.11

40

0.108

Total

Banco

80.0
70.0

35
0.106

60.0

25

0.104

50.0

20

0.102

30

40.0
30.0

0.1

20.0

0.098

10.0

0.096
M-14

A-14

M-14

J-14

J-14

0.0

Otros Gastos generales/Total Gastos grales. y

Admtivos

Total Gastos grales. y Admtivos/Total Gastos

70.0

Total

Banco

Total

Banco

60.0

60.0

50.0

50.0

40.0

40.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

10

15

30.0

30.0
20.0
20.0
10.0

10.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

-0
9

0.0

0.0

INDICADORES DE GESTION

BellBank
Gastos de Explotacin / Margen Operacional Bruto
(Cost / Income)
Total

250.0

Banco

Total Gastos grales. y Admtivos /Total Captaciones

+ Oblig. Con Costo)
Total

Banco

35.0
30.0

200.0

25.0
150.0

20.0

100.0

15.0
10.0

50.0

5.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

Gastos Financieros/Total Captaciones + Oblig. Con

Costo
Total

Banco

200.0

6.0

150.0

4.0

100.0

2.0

50.0

0.0

0.0
S1

8.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

250.0

-0
9

10.0

Total

300.0

Banco

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

12.0

Gastos Operacionales / Ingresos Operacionales

Brutos

M
-1

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.0

-0
9

0.0

BellBank
Gastos Financieros / Activos Financieros (CF)

Gastos Financieros / Activos Productivos (CE)

Total

7.0

Banco

Total

6.0

6.0

5.0

5.0

4.0

4.0

Banco

3.0

3.0

2.0
2.0

1.0

1.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1

S1

J14

M
-1
4

E14
M
-1
4

-1
3
N

S13

Jl
-1
3

M
-1
3

E13
M
-1
3

S12

S11
M
-1
2

Gastos Financieros / Ingresos Financieros

Total

50.0

Gastos de Explotacin / Activos Productivos

Banco

45.0

16.0

40.0

14.0

35.0

12.0

30.0

10.0

25.0

Banco

8.0

20.0

2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1
M

-1

0
S1

J14

M
-1
4

E14
M
-1
4

-1
3

0.0
S13

0.0
M
-1
3
Jl
-1
3

2.0

E13
M
-1
3

5.0

S12

4.0

S11
M
-1
2

10.0

6.0

15.0

S10
M
-1
1

Total

18.0

S1

S10
M
-1
1

0.0

0.0

INDICADORES DE GESTION

BellBank
Gasto de Personal / Gastos de Explotacin
Total

Gastos Generales y Administrativos /

No. Empleados ( MM RD$)

Banco

Total

Banco

2.5

80.0
70.0

2.0
60.0
50.0

1.5

40.0
1.0

30.0
20.0

0.5

10.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1

0
M

S1

14
J-

-1
M

S1

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4

0.0

0.0

Gastos de Personal / No. Empleados (MM RD$)

No. de Empleados / Total de Oficinas

(Nmero de personas)
Total

40.0

Total

Banco

Banco

1.2

35.0

1.0

30.0

0.8

25.0
20.0

0.6

15.0

0.4

10.0

0.2

5.0

2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1

1
M

S1

1
-1
M

S1

J14

M
-1
4

E14
M
-1
4

-1
3
N

S13

M
-1
3
Jl
-1
3

E13
M
-1
3

S12

S11
M
-1
2

S10
M
-1
1

0.0

0.0

BellBank
Activos Productivos / No. Empleados
(MM RD$)

Activos Totales bruto / No. Empleados (MM RD$)

Total

Banco

40.0

Total

30.0

Banco

35.0
25.0
30.0
25.0

20.0

20.0

15.0

15.0

10.0

10.0
5.0

5.0

Total

1,400.0

Banco

1,200.0
1,000.0
800.0
600.0
400.0
200.0

J14

E14
M
-1
4
M
-1
4

-1
3
N

S13

E13
M
-1
3
M
-1
3
Jl
-1
3

S12

S11
M
-1
2

S10
M
-1
1

0.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1
M

S1

14
J-

3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4

-1

3
M

13

-1
M

E-

12

S-

-1
M

11

1
-1
M

S-

10
S-

Activos Totales bruto / No. oficinas (MM RD$)

0.0

0.0

INDICADORES RENTABILIDAD

BellBank
Rentabilidad Patrimonial

Resultados despus de Impto y % en el Total

% Total

-0.05

30.0

-0.1

20.0

-0.15

10.0

-0.2

0.0
-10.0

-0.3

-20.0

-30

-0.35

-30.0

-35

-0.4

-40.0

Activos Productivos/Total Pasivos

Rentabilidad de los Activos

-14.0
-16.0

J-14

-12.0

A-14

-10.0

F-14

-8.0

D-13

-6.0

O-13

-4.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

0.0

Ag-13

2.0

Banco

180.0
160.0
140.0
120.0
100.0
80.0
60.0
40.0
20.0
0.0
D-11

4.0

-2.0

Total

Banco

D-09

Total

J-13

-25

-0.25

A-13

-20

Banco

F-13

-15

D-12

-10

J-14

J-12

J-14

J-11

M-14

D-10

A-14

J-10

M-14
-5

40.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

Total

-0
9

MM RD$
0

J-14

A-14

F-14

D-13

O-13

Ag-13

J-13

A-13

F-13

D-12

J-12

D-11

J-11

Activos Productivos/Activos Totales Brutos

Ingresos Financieros/ Activos Productivos

Total

D-10

BellBank

J-10

-16.0

D-09

-14.0

Total

Banco

Banco

78.0

30.0

76.0

25.0

74.0
20.0

72.0

15.0

70.0
68.0

10.0

Banco

Total

16.0

Banco

80.0

14.0

78.0

12.0

76.0

10.0

74.0

8.0

72.0
70.0

6.0

68.0

4.0

66.0

2.0

64.0

0.0

62.0

S-10

D-10

M-11

J-11

S-11

S-10

D-10

M -11

J-11

S-11

J-14

M-14

M-14

E-14

N-13

S-13

Jl-13

M-13

M-13

E-13

S-12

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

Margen Intermediacin Neto (MIN)/Margen Operacional

Bruto

Margen Intermediacin Neto (MIN) / Activos Productivos

Total

M-12

62.0
S-11

0.0

S-10

64.0

-0
9

5.0

M-11

66.0

INDICADORES DE CAPITAL

BellBank
Capital Circulacin + Reserva Legal/Pasivos +
Patrimonio

Indice de Solvencia
Total

140.0

Total

Banco

Banco

70.0

120.0

60.0

100.0

50.0

80.0

40.0
30.0

60.0

20.0

40.0

10.0

20.0

J14

E14
M
-1
4
M
-1
4

-1
3
N

Endeudamiento (Pasivos/Patrimonio Neto) Veces

Total

Banco

J14

0.0
S13
N
-1
3
E14
M
-1
4
M
-1
4

0.0

S10
M
-1
1

2.0

J14

2.0

M
-1
4

4.0

E14
M
-1
4

4.0

-1
3

6.0

S13

6.0

M
-1
3
Jl
-1
3

8.0

E13
M
-1
3

8.0

S12

10.0

S11
M
-1
2

10.0

S10
M
-1
1

Banco

12.0

S12
E13
M
-1
3
M
-1
3
Jl
-1
3

Total

12.0

Activos netos/Patrimonio Neto (Veces)

S11
M
-1
2

S13

M
-1
3
Jl
-1
3

E13
M
-1
3

S12

S11
M
-1
2

S10
M
-1
1

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.0

0.0

BellBank
Activos Improductivos / Patrimonio Neto (Veces)

Cartera de Crdito Vencida (Capital)/ Patrimonio

Neto
Total

25.0

Total

Banco

Banco

4.0
3.5

20.0

3.0
2.5

15.0

2.0
10.0

1.5
1.0

5.0
0.5

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1
M

S1

J14

-1
4
A

F14

-1
3
D

-1
3
O

g13
A

J13

-1
3
A

F13

-1
2
D

J12

-1
1
D

J11

-1
0
D

0.0

0.0

Total Captaciones/Pasivos + Patrimonio

100.0

Total

Banco

Patrimonio Neto y % en el Sistema

MM RD$
245

90.0

240

80.0

235

70.0

230

60.0

225

50.0

220

40.0

215

30.0

0.25
0.2
0.15
0.1

205

10.0

0.05

200

0.0

195
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

0.3

210

20.0

% Total

0
N-13

D-13

E-14

F-14

M-14 A-14 M-14

J-14

J-14