CARTERA CRITICA = CARTERA PESADA = Provisiones(Deficiente + Dudoso + Pérdida)/Sa

CUADRO DE CLIENTES Y SU EVOLUCION 2008-2009: POR TIENDAS

Saldos Variabilidad Cartera Crítica

Tienda Dec-09 Mar-10 % Dec-08 Dec-09
A #ADDIN? #ADDIN? #ADDIN? 3.45% 2.08%
B #ADDIN? #ADDIN? #ADDIN? 1.80% 5.30%
C #ADDIN? #ADDIN? #ADDIN? 0.00% 7.04%
D #ADDIN? #ADDIN? #ADDIN? 2.72% 2.85%
E #ADDIN? #ADDIN? #ADDIN? 5.59% 6.61%
F #ADDIN? #ADDIN? #ADDIN? 5.60% 3.88%
G #ADDIN? #ADDIN? #ADDIN? 4.11% 4.00%
H #ADDIN? #ADDIN? #ADDIN? 5.45% 12.50%
I #ADDIN? #ADDIN? #ADDIN? 4.00% 4.98%
J #ADDIN? #ADDIN? #ADDIN? 3.76% 6.00%
K #ADDIN? #ADDIN? #ADDIN? 0.00% 11.50%
L #ADDIN? #ADDIN? #ADDIN? 0.00% 9.50%
M #ADDIN? #ADDIN? #ADDIN? 2.80% 3.70%
N #ADDIN? #ADDIN? #ADDIN? 3.16% 12.00%
O #ADDIN? #ADDIN? #ADDIN? 1.39% 5.00%
P #ADDIN? #ADDIN? #ADDIN? 5.00% 4.00%
Q #ADDIN? #ADDIN? #ADDIN? 6.00% 8.30%
R #ADDIN? #ADDIN? #ADDIN? 6.00% 8.60%
S #ADDIN? #ADDIN? #ADDIN? 0.00% 6.50%
T #ADDIN? #ADDIN? #ADDIN? 2.00% 4.00%
U #ADDIN? #ADDIN? #ADDIN? 5.82% 7.50%
V #ADDIN? #ADDIN? #ADDIN? 7.67% 13.00%
W #ADDIN? #ADDIN? #ADDIN? 6.17% 11.00%
X #ADDIN? #ADDIN? #ADDIN? 0.20% 3.28%
Y #ADDIN? #ADDIN? #ADDIN? 1.07% 5.70%
Z #ADDIN? #ADDIN? #ADDIN? 6.00% 9.60%
TOTALES #ADDIN? #ADDIN? #ADDIN? 3.45% 6.86%

Distribución Estadística
Percentil 0.30 0.30 1.90% 4.49%
Percentil 0.7 0.70 5.52% 8.45%
Percentil 1.0 1.00 7.67% 13.00%
nte + Dudoso + Pérdida)/Saldo Cartera Total

008-2009: POR TIENDAS

Clasificación por
artera Crítica Var. 2010 Percentiles
Mar-10 % ### ### Mar-10 Dec-08 Dec-09 Mar-10
4.40% 111.15% 1 1 1 1 17 10 8
9.30% 75.53% 1 2 2 2 1 8 10
13.45% 91.07% 1 2 3 3 8 8 8
4.50% 57.89% 1 1 1 TOTAL 26 26 26
10.00% 51.29% 3 2 3
5.00% 28.76% 3 1 1 UMBRAL
5.00% 25.00% 1 1 1 Clientes 5%
16.00% 28.00% 2 3 3
6.00% 20.58% 1 1 2
7.00% 16.67% 1 2 2
14.00% 21.74% 1 3 3
12.00% 26.32% 1 3 3
4.00% 8.11% 1 1 1
14.00% 16.67% 1 3 3
6.00% 20.00% 1 1 2
5.00% 25.00% 1 1 1
9.10% 9.64% 3 2 2
9.20% 6.98% 3 3 2
7.35% 13.08% 1 2 2
4.00% 0.00% 1 1 1
7.70% 2.67% 3 2 2
13.50% 3.85% 3 3 3
11.30% 2.73% 3 3 3
3.30% 0.61% 1 1 1
5.80% 1.75% 1 2 2
9.80% 2.08% 3 3 2
8.33% 21.46%

ibución Estadística
5.40%
9.90%
16.00%
 CUADRO DE EVOLUCION DE CARTERA CRITICA Y SU EVOLUCION 2009-20

Variabilidad Cartera Critica

Administrador Dec-09 Mar-10 % Dec-08
1.00 #ADDIN? #ADDIN? #ADDIN? 3.45%
2.00 #ADDIN? #ADDIN? #ADDIN? 1.80%
3.00 #ADDIN? #ADDIN? #ADDIN? 0.00%
4.00 #ADDIN? #ADDIN? #ADDIN? 2.72%
5.00 #ADDIN? #ADDIN? #ADDIN? 5.59%
6.00 #ADDIN? #ADDIN? #ADDIN? 5.60%
7.00 #ADDIN? #ADDIN? #ADDIN? 4.11%
8.00 #ADDIN? #ADDIN? #ADDIN? 5.45%
9.00 #ADDIN? #ADDIN? #ADDIN? 4.00%
10.00 #ADDIN? #ADDIN? #ADDIN? 3.76%
11.00 #ADDIN? #ADDIN? #ADDIN? 0.00%
12.00 #ADDIN? #ADDIN? #ADDIN? 0.00%
13.00 #ADDIN? #ADDIN? #ADDIN? 2.80%
14.00 #ADDIN? #ADDIN? #ADDIN? 3.16%
15.00 #ADDIN? #ADDIN? #ADDIN? 1.39%
16.00 #ADDIN? #ADDIN? #ADDIN? 5.00%
17.00 #ADDIN? #ADDIN? #ADDIN? 6.00%
18.00 #ADDIN? #ADDIN? #ADDIN? 6.00%
19.00 #ADDIN? #ADDIN? #ADDIN? 0.00%
20.00 #ADDIN? #ADDIN? #ADDIN? 2.00%
21.00 #ADDIN? #ADDIN? #ADDIN? 5.82%
22.00 #ADDIN? #ADDIN? #ADDIN? 7.67%
23.00 #ADDIN? #ADDIN? #ADDIN? 6.17%
24.00 #ADDIN? #ADDIN? #ADDIN? 0.20%
25.00 #ADDIN? #ADDIN? #ADDIN? 1.07%
26.00 #ADDIN? #ADDIN? #ADDIN? 6.00%
TOTALES #ADDIN? #ADDIN? #ADDIN? 3.45%

Distribución Estadística
Cuartil 1 0.30 1.90%
Cuartil 2 0.70 5.52%
Cuartil 3 1.00 7.67%
A CRITICA Y SU EVOLUCION 2009-2010: POR ADMINISTRADORES Jefes
Clasificación por
Cartera Critica Var. 2009 Cuartiles
Dec-09 Mar-10 % Dec-08 Dec-09 Mar-10
2.08% 4.40% 111.15% 2 2 2
5.30% 9.30% 75.53% 1 2 4
7.04% 13.45% 91.07% 1 3 4
2.85% 4.50% 57.89% 2 2 2
6.61% 10.00% 51.29% 3 3 4
3.88% 5.00% 28.76% 3 2 2
4.00% 5.00% 25.00% 2 2 2
12.50% 16.00% 28.00% 2 4 4
4.98% 6.00% 20.58% 2 2 3
6.00% 7.00% 16.67% 2 3 3
11.50% 14.00% 21.74% 1 4 4
9.50% 12.00% 26.32% 1 4 4
3.70% 4.00% 8.11% 2 2 2
12.00% 14.00% 16.67% 2 4 4
5.00% 6.00% 20.00% 1 2 3
4.00% 5.00% 25.00% 2 2 2
8.30% 9.10% 9.64% 3 4 4
8.60% 9.20% 6.98% 3 4 4
6.50% 7.35% 13.08% 1 3 3
4.00% 4.00% 0.00% 2 2 2
7.50% 7.70% 2.67% 3 3 4
13.00% 13.50% 3.85% 3 4 4
11.00% 11.30% 2.73% 3 4 4
3.28% 3.30% 0.61% 1 2 2
5.70% 5.80% 1.75% 1 3 3
9.60% 9.80% 2.08% 3 4 4
6.86% 8.33% 21.46%

Distribución Estadística
4.49% 5.40%
8.45% 9.90%
13.00% 16.00%
 CUADRO DE CALIDAD DE CARTERA POR TIENDAS: JULIO-2010

Clasificación por
Percentiles
TIENDA C. ATRAZADA CAR CRITICA C. ATRAZADACAR CRITICA
1 12.00% 14.00% 17.00% 3 3 3
2 10.00% 12.70% 15.00% 3 3 3
3 11.60% 12.30% 15.80% 3 3 3
4 10.00% 11.50% 13.20% 3 3 3
5 7.00% 10.65% 12.90% 2 3 3
6 8.00% 10.00% 12.00% 3 3 3
7 7.00% 9.00% 11.00% 2 3 3
8 7.00% 8.10% 9.50% 2 3 2
9 6.00% 8.00% 10.00% 2 2 2
10 7.00% 7.40% 9.00% 2 2 2
11 4.00% 7.38% 10.00% 1 2 2
12 6.00% 7.37% 10.00% 2 2 2
13 6.00% 6.30% 8.30% 2 2 2
14 5.00% 6.00% 7.00% 2 2 1
15 5.00% 6.00% 7.70% 2 2 2
16 5.20% 5.60% 5.70% 2 2 1
17 4.60% 5.80% 7.40% 1 2 2
18 4.70% 5.40% 8.00% 2 2 2
19 4.50% 5.00% 6.00% 1 1 1
20 4.70% 5.00% 6.00% 2 1 1
21 4.50% 5.00% 5.80% 1 1 1
22 4.80% 5.00% 8.80% 2 1 2
23 4.00% 4.80% 19.00% 1 1 3
24 3.90% 4.00% 5.00% 1 1 1
25 3.00% 4.00% 6.00% 1 1 1
26 3.60% 3.90% 6.00% 1 1 1
TOTAL 4.97% 6.29% 9.14% 2 2 2

Distribución Estadística
Percentil 0.3 0.30 4.65% 5.20% 7.20%
Percentil 0.7 0.70 7.00% 8.05% 10.50%
Percentil 1.0 1.00 12.00% 14.00% 19.00%
 C. ATRAZADA CAR CRITICA CARTERA ATRAZADA = MORA = VENCIDOS +
1 8 8 8 CAR = CARTERA DE ALTO RIESGO = VENCID
2 13 10 10 CARTERA CRITICA = CARTERA PESADA = DE
3 5 8 8
TOTAL 26 26 26 Todos entre el saldo de cartera total

UMBRAL EXÓGENO
C. ATRAZADA CAR CRITICA
3.0% 4.0% 5.0%
RAZADA = MORA = VENCIDOS + JUDICIALES
ERA DE ALTO RIESGO = VENCIDOS + JUDICIALES + REFINANCIADOS
ITICA = CARTERA PESADA = DEFICIENTE + DUDOSO + PERDIDA

l saldo de cartera total