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RENTABILIDAD (1)
Resultado Financiero Bruto/(Activo + Contingente)
4.86%
4.58%
3.26%
3.67%
4.60%
4.39%
4.34%
4.01%
8.82%
7.03%
5.43%
5.68%
5.79%
5.37%
5.39%
4.74%
8.10%
6.56%
5.06%
5.16%
5.31%
4.55%
5.02%
4.29%
3.76%
2.36%
1.31%
1.48%
1.80%
0.96%
1.78%
1.26%
3.35%
2.45%
1.30%
1.52%
1.83%
1.00%
1.79%
1.28%
3.28%
2.43%
1.21%
1.48%
1.43%
0.72%
1.20%
0.90%
35.58%
26.82%
15.25%
19.27%
17.79%
9.40%
16.12%
12.60%
6.66%
6.03%
3.97%
4.35%
5.26%
5.06%
5.45%
5.24%
-1.80%
-1.46%
-0.71%
-0.68%
-0.66%
-0.66%
-1.11%
-1.23%
3.65%
2.93%
1.45%
1.39%
1.33%
1.35%
2.23%
2.44%
-0.61%
0.01%
0.00%
0.00%
0.00%
-0.04%
-0.01%
-0.01%
-0.72%
-0.46%
-0.38%
-0.52%
-0.48%
-0.82%
-0.38%
-0.44%
3.96%
2.45%
2.18%
2.01%
1.19%
0.97%
1.05%
0.73%
-4.34%
-4.20%
-3.75%
-3.69%
-3.51%
-3.59%
-3.23%
-3.03%
Gastos de Administracin/Activo+Contingente.
Ing.Extraord.y de Gest.Ant.Netos/Activo+Conting.
Deprec.y Desval.Bienes de Uso/Bienes de Uso-Terrenos.
0.20%
0.07%
-0.01%
0.05%
0.03%
0.08%
0.02%
0.02%
21.26%
21.55%
22.34%
22.68%
20.56%
19.58%
20.45%
23.78%
8.29%
10.51%
10.12%
7.62%
7.72%
8.30%
8.22%
8.50%
Productos por Cartera Reprog. y Reestruct. Vigente/ Cartera Reprog. y Reestruct. Vigente
6.93%
8.45%
6.70%
10.31%
7.13%
9.13%
8.66%
7.20%
9.37%
12.03%
13.16%
10.49%
12.87%
12.60%
12.53%
10.81%
Productos por Cartera Reprog. y Reestruct. Vencida y en Ejec. /Cartera Reprog. y Reestruct. Vencida
3.00%
4.86%
10.35%
10.00%
14.90%
18.67%
8.88%
13.75%
0.35%
0.19%
0.08%
0.10%
0.01%
0.03%
0.05%
0.00%
0.62%
0.15%
0.02%
0.14%
0.02%
0.00%
0.06%
1.05%
Int. penales Cartera Vencida Total y en Ejecucin Total / Productos cartera Vencida Total y en Ejecucin
0.45%
0.17%
0.06%
0.11%
0.01%
0.02%
0.05%
0.15%
0.53%
0.42%
0.00%
0.00%
0.11%
0.30%
0.31%
0.23%
Int.Deptos.Caja de Ahorro/Ob.Pb.Ctas.Ahorro
1.47%
0.74%
0.10%
0.17%
0.16%
0.15%
0.41%
0.79%
5.98%
6.11%
3.45%
2.92%
2.71%
2.39%
3.32%
3.64%
0.47%
1.35%
0.00%
0.00%
0.35%
1.36%
1.92%
10.96%
2.30%
0.09%
6.90%
0.00%
0.34%
0.00%
0.00%
Gastos de Administracin/(Activo+Contingente)
4.34%
4.20%
3.75%
3.69%
3.51%
3.59%
3.23%
3.03%
6.24%
6.31%
5.93%
5.54%
4.91%
5.01%
4.46%
4.24%
Gastos de Administracin/(Cartera+Contingente)
7.20%
7.83%
6.92%
5.81%
5.18%
5.28%
4.64%
4.32%
Gastos de Administracin/Depositos(3)
6.71%
6.24%
5.20%
5.02%
4.87%
5.29%
5.02%
4.61%
41.05%
41.25%
40.47%
42.72%
45.13%
43.45%
45.54%
47.13%
7.38%
8.01%
9.48%
9.26%
7.77%
5.84%
6.04%
5.82%
51.57%
50.75%
50.05%
48.02%
47.10%
50.71%
48.42%
47.06%
52.74%
55.77%
58.73%
59.63%
54.32%
50.38%
48.72%
45.07%
10.40%
8.07%
6.08%
6.43%
6.53%
6.07%
6.19%
5.45%
5.56%
5.14%
3.52%
3.96%
4.97%
4.75%
4.72%
4.37%
7.09%
7.10%
5.14%
5.38%
6.17%
5.85%
5.74%
5.41%
9.21%
8.77%
5.95%
6.15%
6.91%
6.61%
7.02%
6.84%
-2.12%
-1.68%
-0.80%
-0.77%
-0.75%
-0.76%
-1.28%
-1.43%
-1.53%
-1.96%
-1.62%
-1.41%
-1.20%
-1.10%
-1.02%
-1.04%
4.85%
2.93%
2.56%
2.46%
1.56%
1.33%
1.47%
1.08%
10.40%
8.07%
6.08%
6.43%
6.53%
6.07%
6.19%
5.45%
Incobrabilidad
-0.84%
-0.51%
-0.40%
-0.55%
-0.49%
-0.88%
-0.38%
-0.47%
Gastos administrativos
-5.13%
-4.84%
-4.21%
-4.20%
-3.98%
-4.10%
-3.75%
-3.52%
Resultados extraordinarios
0.14%
0.01%
-0.01%
0.03%
0.00%
0.05%
0.00%
0.01%
0.10%
0.08%
0.00%
0.02%
0.03%
0.04%
0.02%
0.02%
-0.73%
0.01%
0.00%
0.00%
0.00%
-0.04%
-0.01%
-0.01%
3.95%
2.82%
1.46%
1.73%
2.18%
1.19%
2.08%
1.48%
(1) Anualizado
(2) Abonos menos cargos por ajustes por inflacin
(3) Promedio obligaciones vista , caja de ahorros y Dpf's
(4) El total de los egresos no incluye las cuentas 420.00 y 490.00 para el clculo de este indicador
(5) A partir de enero de 2004, para el clculo del margen financiero no se incluye la cuenta 544.00 ni la cuenta 443.00, las cuales se incorporan en el clculo del margen operativo
(6) Ingresos financieros provenientes de activos productivos / activos productivos promedio netos de contingente. A partir de enero de 2004 se excluyen del clculo los ingresos
provenientes de cartera vencida (515.00), cartera en ejecucin (516.00), cuentas por cobrar (517.00) y disponibilidades (511.00)
(7) Gastos financieros / Activos Promedio.
(8) ((Ing. Finan. * Act. Prod. Prom.) - (Ing. Finan. provenientes de Act. Prod. * Act. Prom.))/(Act. Prom. * Act. Prod. Prom.). A partir de enero de 2004 se incorpora en el clculo
los ingresos provenientes de cartera vencida (515.00), cuentas por cobrar (517.00) y disponibilidades (511.00)