Central Americ

As of June 30,
Data provided by: Central American Monetary Board
Source:
http://www.secmca.org/IndB.html
Date:
August 15, 2011
Consolidated
Banks
Country Data
Costa Rica
El Salvador
Guatemala
Honduras
Nicaragua
Dominican Republic
Panama (May, 2011)
Region

Indicadores Financieros
(porcentajes)
a) Equity to Assets
b) Loan losses to T1 Capital
c) Loan Losses/ Total Credit

CR
Jun-11
12.4
3.3
2.4
d) Loan Losses provisions to Loan Losses
81.2
e) Deposits / Loans
113.8
f) Managing costs to Assets
4.3
g) Assets Growth YOY
13.3
h) Average Total Assets (Mill. US$) 1,523.8
i) ROE
11.7
j) ROA
1.4
k) Implicit spread
7.8
l) Liquid assets (+ Investments) to Liabilities
34.9

16
12
18
17
6
15
49
133

ES
Jun-11
13.3
-0.7
4.0
102.6
120.1
3.6
-1.6
1,072.6
16.0
2.1
9.5
49.5

Central American and Dominican Republic Banking Data

As of June 30, 2011

ard
cmca.org/IndB.html
11
June, 2011
Total Assets
Millions US$
$24,440.28
$12,870.85
$21,645.68
$12,073.23
$4,531.94
$17,923.94
$58,556.24
$152,042.16

GT
Jun-11
8.9
-4.8
1.9
131.9
148.4
4.2
15.9
1,202.5
25.7
2.3
8.4
46.8

HN
Jun-11
10.3
-4.5
3.8
116.6
123.8
6.5
12.8
710.2
19.6
2.1
13.3
39.9

NI
Jun-11
9.1
-9.1
2.9
145.2
183.8
4.7
6.9
755.3
28.2
2.6
13.0
60.8

RD
Jun-11
9.2
-7.3
2.8
134.3
139.6
6.2
7.1
1,194.9
27.7
2.5
11.3
39.1

CARD
Jun-11
10.7
-2.4
2.8
111.5
130.6
4.8
10.0
1,112.2
19.4
2.1
9.7
42.4

PA
May-11
12.4
-2.0
1.0
137.8
97.1
1.7
8.3
1,195.0
13.7
1.6
3.8
41.0

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

RESUMEN DE INDICADORES MENSUALES

COSTA RICA
INDICADORES FINANCIEROS 2/

2010

2011

EL SALVADOR
2010

Junio

a) Patrimonio / Activo total

b) Cartera Vencida - Provisiones / Capital Primario 3/
c) Cartera Vencida / Crdito Total
d) Provisiones Prdida de Cartera / Cartera Vencida
e) Depsitos Totales / Crdito Total
f) Gasto Administrativo Anualizado / Activo Promedio
g) Activo Total (Millones US$)
Tasa de variacin
h) Activo Total / Nmero de Bancos (Millones US$)
j) Utilidad antes del ISR / Patrimonio Promedio
k) Utilidad antes del ISR / Activo Promedio
l) Margen de Intermediacin Fin. Implcito 4/
m) Disponibilidades + Inv.Financieras / Pasivo Total
n) Nmero de bancos

Junio

11.8
1.4
2.4
92.1
118.5
4.2
21,511.3

12.4
3.3
2.4
81.2
113.8
4.3
24,381.3
13.3

13.2
-0.4
4.2
101.2
120.9
3.3
13,080.9

1,434.1
9.9
1.2
7.8
36.9
15

1,523.8
11.7
1.4
7.8
34.9
16

1,006.2
8.3
1.1
8.5
51.6
13

FUENTE: Superintendencias de Bancos y Bancos Centrales, incluyendo a Centroamrica, Repblica Dominicana y Panam.
1/ La informacin por pas se encuentra lo ms actualizada segn disponibilidad del mismo.
2/ Ver detalle de nmero de bancos incluidos y definiciones en la hoja por cada pas.
3/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.

4/ (Ingreso Financiero anualizado por Prstamos/ Saldo Promedio Crdito Total) - (Gasto Financiero anualizado por Captacin / Saldo Promedio Deps
5/ Los datos del Centroamrica y Repblica Dominicana son promedios ponderados segn la importancia relativa de cada pas en el total.

EN DE INDICADORES MENSUALES DE LOS SISTEMAS BANCARIOS DE CENTROAMERICA, REPBLICA DOMINICANA Y PANAM

REPORTE No. 6 Ao 2011 1/

EL SALVADOR
2011

GUATEMALA
2010

Junio

2011

HONDURAS
2010

Junio

2011

NICARAGUA
2010

Junio

2011
Junio

13.3
-0.7
4.0
102.6
120.1
3.6
12,870.8
-1.6

10.0
-0.2
2.8
100.8
147.8
4.1
18,673.5

8.9
-4.8
1.9
131.9
148.4
4.2
21,645.7
15.9

10.9
7.8
5.0
79.0
109.5
6.5
10,704.2

10.3
-4.5
3.8
116.6
123.8
6.5
12,073.2
12.8

9.1
-10.2
3.4
141.0
165.2
5.0
4,239.6

9.1
-9.1
2.9
145.2
183.8
4.7
4,531.9
6.9

1072.6
16.0
2.1
9.5
49.5
12

1,037.4
20.5
2.0
8.7
46.1
18

1,202.5
25.7
2.3
8.4
46.8
18

629.7
19.1
2.1
11.9
35.7
17

710.2
19.6
2.1
13.3
39.9
17

605.7
10.6
1.0
14.3
56.8
7

755.3
28.2
2.6
13.0
60.8
6

or Captacin / Saldo Promedio Depsitos del Pblico)

de cada pas en el total.

NA Y PANAM

REP. DOMINICANA
2010

2011

CENTROAMERICA Y REP. DOM. 5/

2010

Junio

2011

PANAM
2010

Junio

2011
Mayo

8.2
-5.5
3.4
118.5
142.6
6.2
16,738.8

9.2
-7.3
2.8
134.3
139.6
6.2
17,923.9
7.1

10.6
0.0
3.4
100.1
130.0
4.8
84,948.3

10.7
-2.4
2.8
111.5
130.6
4.8
93,427.0
10.0

12.1
-1.4
1.4
121.5
102.7
1.5
54,054.7

12.4
-2.0
1.0
137.8
97.1
1.7
58,556.2
8.3

1,287.6
31.8
2.7
11.5
39.5
13

1,194.9
27.7
2.5
11.3
39.1
15

1023.5
16.3
1.7
9.6
42.5
68

1112.2
19.4
2.1
9.7
42.4
84

1175.1
12.9
1.6
3.9
43.6
46

1195.0
13.7
1.6
3.8
41.0
49

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Act. Pond.

Inversiones

Disponi-

Totales

promedio

Por Riesgo

Financieras

bilidades

53,843
54,677
55,598
56,605
56,533
57,310
57,935
58,424
59,337
59,761
60,503
61,422
62,001
62,591
64,004
64,275
65,082
65,972
66,835
67,226
68,215
68,630
70,142
71,611
72,360
73,404
75,168
75,703
75,382
75,670
74,840
75,354
75,914
75,930
76,943
77,785
77,283
77,077

53,843
54,260
54,706
55,181
55,451
55,761
56,072
56,366
56,696
57,002
57,321
57,662
62,001
62,296
62,865
63,218
63,590
63,987
64,394
64,748
65,133
65,483
65,907
66,382
72,360
72,882
73,644
74,159
74,403
74,614
74,647
74,735
74,866
74,972
75,152
75,371
77,283
77,180

16,653
17,100
17,305
17,636
17,699
17,988
18,222
18,486
18,821
19,291
19,456
19,887
20,222
20,301
20,685
21,079
21,451
21,515
21,651
21,954
22,212
22,461
22,712
22,900
23,260
23,496
23,921
24,219
24,306
24,305
24,070
24,255
24,346
24,310
24,271
24,518
49,305
49,060

14,458
14,578
14,896
14,837
15,031
15,053
15,102
14,714
15,019
15,272
15,170
14,861
14,350
14,222
14,352
14,293
14,420
14,241
14,267
14,794
14,817
14,128
14,027
13,871
14,042
14,066
14,568
14,653
13,991
14,010
13,659
13,851
13,794
13,639
13,632
14,176
14,132
14,361

7,598
7,792
7,729
8,050
7,640
7,939
8,097
8,186
8,452
8,458
8,457
8,894
9,245
9,430
10,116
9,808
9,954
10,305
10,439
9,590
9,550
9,541
9,819
10,489
10,619
10,714
11,181
10,840
10,930
10,958
10,674
10,672
10,758
10,706
11,153
11,344
11,618
11,687

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

77,505
77,636
77,913
78,207
77,738
77,546
77,864
78,452
79,743
80,341
81,326
82,021
83,544
84,181
84,130
84,948
85,531
85,823
85,891
86,204
87,773
89,105
90,082
90,724
91,985
93,453
92,552
93,486

77,288
77,375
77,483
77,604
77,623
77,613
77,641
77,722
77,906
78,109
81,326
81,673
82,297
82,768
83,040
83,358
83,669
83,938
84,155
84,360
84,670
85,040
90,082
90,403
90,930
91,561
91,759
92,047

48,906
48,829
49,079
49,304
49,152
48,751
48,813
49,173
49,886
49,891
50,177
50,423
51,303
51,643
51,628
51,789
52,224
52,090
52,776
53,231
54,318
55,264
55,955
55,928
56,370
57,017
57,071
57,659

NOTAS:
1/ El 21 de Junio de 2002 ingresa Repblica Dominicana al CMCA

14,773
14,956
14,947
15,497
15,192
15,378
15,456
15,537
15,637
16,346
17,046
17,273
17,654
17,973
18,573
18,782
18,902
19,461
19,220
19,124
19,429
20,028
20,138
20,730
21,427
21,735
21,497
21,754

11,844
11,995
11,902
11,652
11,728
11,669
11,708
11,684
12,251
12,174
12,216
12,493
12,758
12,629
12,478
12,683
12,383
12,276
12,598
12,285
12,546
12,789
12,711
12,755
12,863
13,184
12,737
12,762

CENTROAMRICA y REPBLICA DOMINICANA1/: INDICADORES BSIC

DATOS EN MILLONES DE USDLARES
Crdito

Crdito

Cartera

Provisiones

Pasivo

Depsitos

Depsitos

Total

Promedio

Vencida

Cartera

Total

Totales

Promedio

28,203
28,665
29,229
29,744
30,041
30,512
30,955
31,592
31,980
32,175
33,070
33,897
34,104
34,659
35,789
36,388
37,070
37,743
38,524
39,217
40,029
41,076
42,415
43,520
43,986
44,740
45,521
46,343
46,643
46,882
46,763
47,054
47,400
47,521
47,983
48,371
47,612
47,212

28,203
28,434
28,699
28,960
29,176
29,399
29,621
29,868
30,102
30,310
30,560
30,839
34,104
34,381
34,851
35,235
35,602
35,959
36,325
36,687
37,058
37,460
37,910
38,378
43,986
44,363
44,749
45,147
45,447
45,686
45,840
45,991
46,148
46,285
46,440
46,601
47,612
47,412

933
926
909
947
976
1,021
1,038
1,041
1,006
1,043
1,029
902
946
976
1,010
1,053
1,105
1,038
1,061
1,077
1,055
1,105
1,163
996
1,182
1,212
1,248
1,319
1,306
1,207
1,251
1,304
1,318
1,375
1,467
1,343
1,474
1,533

964
984
984
1,005
1,015
1,071
1,090
1,114
1,093
1,109
1,145
1,098
1,075
1,101
1,157
1,205
1,221
1,200
1,221
1,193
1,195
1,222
1,211
1,172
1,216
1,246
1,261
1,307
1,295
1,276
1,266
1,293
1,308
1,305
1,323
1,376
1,413
1,432

47,322
47,952
48,771
49,722
49,548
50,174
50,696
51,076
51,917
52,318
52,942
53,962
53,555
54,033
56,036
56,219
56,922
57,777
58,463
58,813
59,704
59,969
61,326
62,792
63,426
64,339
66,021
66,362
66,013
66,209
65,407
65,775
66,194
66,023
66,968
67,723
67,447
67,255

39,770
40,387
41,195
41,971
42,019
42,628
43,115
43,390
43,668
43,930
44,523
45,232
44,968
45,486
47,279
47,467
48,414
48,970
49,879
49,991
50,569
50,632
51,498
52,400
52,950
53,700
55,065
55,198
54,888
54,719
54,347
54,260
54,499
54,517
55,162
55,855
55,894
56,042

39,770
40,079
40,451
40,831
41,068
41,328
41,584
41,809
42,016
42,207
42,418
42,652
44,968
45,227
45,911
46,300
46,723
47,097
47,495
47,807
48,114
48,366
48,650
48,963
52,950
53,325
53,905
54,228
54,360
54,420
54,410
54,391
54,403
54,414
54,482
54,597
55,894
55,968

47,153
46,978
47,024
47,094
45,390
46,632
46,444
47,111
47,619
47,938
48,046
48,232
49,126
49,425
48,994
49,279
49,706
49,823
49,851
50,462
51,427
51,852
51,995
52,226
52,784
53,155
53,001
53,551

47,326
47,239
47,196
47,179
46,923
46,887
46,838
46,865
46,934
47,017
48,046
48,139
48,468
48,707
48,765
48,850
48,973
49,079
49,165
49,294
49,488
49,685
51,995
52,111
52,335
52,540
52,632
52,785

1,559
1,673
1,755
1,730
1,761
1,786
1,794
1,813
1,809
1,614
1,681
1,701
1,696
1,719
1,740
1,652
1,665
1,685
1,664
1,627
1,602
1,468
1,536
1,511
1,490
1,543
1,578
1,510

1,450
1,493
1,505
1,511
1,551
1,544
1,561
1,580
1,572
1,588
1,625
1,641
1,652
1,655
1,669
1,654
1,666
1,662
1,645
1,656
1,669
1,637
1,657
1,674
1,672
1,693
1,699
1,691

67,719
67,773
67,961
68,151
67,650
67,394
67,658
68,130
69,320
69,902
70,771
71,353
72,760
73,298
73,243
73,973
74,394
74,518
74,499
74,756
76,078
77,414
78,288
78,945
80,151
81,569
80,622
81,432

56,839
56,879
57,480
57,795
57,717
57,732
57,964
58,628
59,518
59,842
60,820
61,514
62,858
63,435
63,545
64,077
64,680
64,961
64,784
64,968
66,116
67,135
67,850
68,183
69,471
70,607
69,701
70,011

56,258
56,414
56,627
56,821
56,949
57,047
57,149
57,297
57,499
57,694
60,820
61,167
61,730
62,157
62,434
62,708
62,990
63,236
63,408
63,564
63,796
64,074
67,850
68,016
68,501
69,028
69,162
69,304

NICANA1/: INDICADORES BSICOS DEL SISTEMA BANCARIO

EN MILLONES DE USDLARES
Patrimonio

4,996
5,137
5,221
5,252
5,318
5,428
5,610
5,675
5,742
5,761
5,824
5,916
6,061
6,130
6,202
6,239
6,319
6,352
6,613
6,660
6,747
6,856
6,987
7,040
7,186
7,260
7,314
7,434
7,451
7,529
7,617
7,726
7,820
7,905
8,012
8,101
8,208
8,174

Patrimonio

Capital

Ing. Fros.

Promedio

Primario

Totales

Ingreso Financ. Ing. Fro. Prest.

Prstamos 13/

anualizado

Gast. Fros.
Totales

4,996
5,067
5,118
5,152
5,185
5,225
5,280
5,330
5,376
5,414
5,451
5,490
6,061
6,095
6,131
6,158
6,190
6,217
6,274
6,322
6,369
6,418
6,470
6,517
6,569
6,618
6,664
6,713
6,756
6,799
6,842
6,886
6,931
6,975
7,020
7,065
8,208
8,191

3,501
3,698
3,857
3,726
3,754
3,812
3,875
3,898
3,970
3,970
3,979
4,056
4,015
4,125
4,400
4,443
4,499
4,514
4,629
4,633
4,639
4,657
4,730
4,702
4,844
5,018
5,066
5,162
5,158
5,180
5,184
5,211
5,242
5,234
5,282
5,397
5,512
5,610

239
480
728
976
1,226
1,476
1,733
1,993
2,234
2,496
2,768
3,039
272
531
826
1,103
1,396
1,667
1,975
2,264
2,551
2,857
3,165
4,479
447
838
1,274
1,707
2,160
2,591
3,064
3,490
3,969
4,450
4,937
5,480
896
1,619

333
663
1,008
1,347
1,701
2,052
2,415
2,781
3,314
3,638
4,012
4,204
392
763
1,181
1,576
1,992
2,379
2,825
3,421
3,863
4,339
4,852
5,357
491
977
1,483
1,982
2,485
2,991
3,500
4,011
4,569
5,130
5,643
6,226
582
1,122

4,000
3,977
4,031
4,040
4,083
4,103
4,140
4,172
4,418
4,366
4,376
4,204
4,708
4,581
4,723
4,728
4,781
4,759
4,843
5,131
5,151
5,207
5,293
5,357
5,897
5,864
5,930
5,946
5,965
5,982
5,999
6,017
6,092
6,156
6,156
6,226
6,988
6,730

97
196
296
398
498
596
718
817
907
1,003
1,102
1,206
98
193
304
408
517
618
733
841
948
1,058
1,169
1,641
167
315
480
637
805
958
1,135
1,309
1,493
1,688
1,887
2,102
501
864

8,140
8,168
8,239
8,335
8,335
8,376
8,416
8,516
8,639
8,634
8,704
8,785
8,865
8,961
8,947
9,044
9,208
9,328
9,431
9,471
9,688
9,737
9,802
9,752
9,786
9,814
9,851
9,962

8,174
8,173
8,186
8,211
8,229
8,247
8,266
8,291
8,322
8,348
8,704
8,744
8,784
8,829
8,852
8,884
8,931
8,980
9,030
9,074
9,130
9,181
9,802
9,777
9,780
9,788
9,801
9,828

5,711
5,720
5,735
5,811
5,763
5,797
5,782
5,860
5,962
6,005
6,175
6,258
6,453
6,514
6,445
6,492
6,554
6,573
6,570
6,535
6,694
6,680
6,847
6,959
7,128
7,175
7,103
7,165

2,321
3,146
3,914
4,622
5,431
6,133
6,896
7,754
9,131
10,300
1,099
1,975
3,461
4,471
5,963
7,086
8,376
9,262
10,177
11,329
12,304
12,666
832
1,767
2,513
3,233
4,041
5,012

1,685
2,244
2,794
3,346
3,875
4,400
4,934
5,489
6,085
6,608
533
1,045
1,615
2,159
2,676
3,217
3,810
4,323
4,867
5,382
5,965
6,475
558
1,099
1,676
2,248
2,809
3,412

6,741
6,732
6,706
6,691
6,643
6,600
6,579
6,587
6,638
6,608
6,394
6,271
6,461
6,476
6,421
6,434
6,532
6,485
6,490
6,459
6,508
6,475
6,699
6,596
6,705
6,744
6,742
6,823

1,183
1,631
2,021
2,342
2,763
3,086
3,463
3,924
4,894
5,651
701
1,190
2,257
2,855
3,910
4,610
5,456
5,940
6,426
7,174
7,691
7,627
391
899
1,184
1,446
1,795
2,301

Gasto Fin.

Gasto Fin.

Gasto

Gasto Adm.

Utilidad

Utilid. a/ISR

Nmero

Depsitos

anualizado

Administtvo

anualizado

antes ISR

anualizado

Bancos

177
348
536
707
886
1,069
1,261
1,443
1,701
1,813
1,953
2,014
167
315
481
637
796
945
1,110
1,361
1,532
1,715
1,903
2,082
177
350
529
700
870
1,037
1,209
1,390
1,582
1,774
1,986
2,196
229
448

2,130
2,085
2,144
2,121
2,127
2,139
2,161
2,165
2,267
2,175
2,130
2,014
2,000
1,892
1,922
1,911
1,909
1,890
1,903
2,042
2,042
2,057
2,076
2,082
2,125
2,098
2,118
2,100
2,089
2,074
2,073
2,086
2,110
2,129
2,167
2,196
2,745
2,688

201
412
640
857
1,082
1,342
1,584
1,822
2,042
2,245
2,473
2,748
249
496
777
1,047
1,333
1,517
1,807
2,060
2,317
2,613
2,928
3,259
272
544
835
1,128
1,412
1,703
1,989
2,254
2,556
2,861
3,161
3,512
302
603

2,410
2,472
2,558
2,572
2,597
2,684
2,715
2,733
2,723
2,693
2,698
2,748
2,987
2,975
3,108
3,140
3,200
3,033
3,097
3,091
3,090
3,136
3,194
3,259
3,265
3,266
3,338
3,383
3,390
3,406
3,410
3,381
3,408
3,433
3,448
3,512
3,619
3,617

94
172
270
346
485
582
665
763
860
935
1,015
1,172
140
252
380
486
597
713
840
960
1,062
1,162
1,272
1,404
120
239
396
562
739
886
1,032
1,145
1,260
1,385
1,451
1,540
119
228

1,124
1,034
1,078
1,037
1,163
1,165
1,140
1,145
1,147
1,122
1,107
1,172
1,684
1,511
1,522
1,458
1,432
1,426
1,440
1,440
1,416
1,395
1,388
1,404
1,434
1,433
1,582
1,687
1,772
1,772
1,769
1,718
1,680
1,662
1,583
1,540
1,428
1,367

93
93
93
93
93
90
90
90
90
89
88
88
87
88
90
90
92
90
90
90
90
90
90
88
88
88
87
87
87
87
87
86
85
85
85
85
83
83

685
912
1,140
1,360
1,567
1,773
1,975
2,186
2,406
2,585
189
370
567
754
927
1,109
1,310
1,489
1,671
1,854
2,047
2,212
187
369
563
759
917
1,116

2,742
2,737
2,736
2,720
2,686
2,660
2,633
2,623
2,625
2,585
2,271
2,217
2,267
2,261
2,226
2,217
2,246
2,233
2,228
2,225
2,233
2,212
2,242
2,212
2,253
2,276
2,201
2,233

914
1,224
1,531
1,835
2,140
2,444
2,756
3,086
3,447
3,827
312
633
989
1,327
1,650
1,991
2,368
2,696
3,024
3,355
3,736
4,107
352
705
1,095
1,472
1,844
2,231

3,657
3,672
3,674
3,671
3,669
3,666
3,675
3,703
3,760
3,827
3,739
3,799
3,954
3,981
3,960
3,983
4,059
4,043
4,032
4,026
4,075
4,107
4,226
4,227
4,379
4,417
4,425
4,462

349
434
535
652
749
841
940
1,033
1,120
1,181
107
216
357
462
598
725
852
985
1,129
1,225
1,365
1,508
156
306
450
619
780
954

1,396
1,302
1,285
1,304
1,284
1,262
1,254
1,240
1,222
1,181
1,283
1,294
1,428
1,387
1,436
1,451
1,460
1,478
1,505
1,471
1,490
1,508
1,871
1,837
1,801
1,858
1,872
1,907

83
83
83
83
83
83
82
82
82
82
82
82
82
82
83
83
83
82
82
81
83
83
83
83
84
84
84
84

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

CENTROAMRICA Y REPBLICA DOMINICANA

PORCEN
Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

CV-Prov/Kpri

CV/CrT

9.3
9.4
9.4
9.3
9.4
9.5
9.7
9.7
9.7
9.6
9.6
9.6
9.8
9.8
9.7
9.7
9.7
9.6
9.9
9.9
9.9
10.0
10.0
9.8
9.9
9.9
9.7
9.8
9.9
9.9
10.2
10.3
10.3
10.4
10.4
10.4
10.6
10.6

14.0
13.4
13.1
13.8
13.6
13.6
13.5
13.5
13.5
13.6
13.7
13.7
13.9
13.7
13.1
13.1
13.1
13.2
13.0
13.1
13.3
13.3
13.4
13.7
13.5
13.2
13.4
13.2
13.2
13.2
13.0
13.0
13.0
13.0
13.0
12.9
12.5
12.3

-0.9
-1.6
-1.9
-1.6
-1.0
-1.3
-1.3
-1.9
-2.2
-1.7
-2.9
-4.8
-3.2
-3.0
-3.3
-3.4
-2.6
-3.6
-3.5
-2.5
-3.0
-2.5
-1.0
-3.8
-0.7
-0.7
-0.3
0.2
0.2
-1.3
-0.3
0.2
0.2
1.3
2.7
-0.6
1.1
1.8

3.3
3.2
3.1
3.2
3.2
3.3
3.4
3.3
3.1
3.2
3.1
2.7
2.8
2.8
2.8
2.9
3.0
2.7
2.8
2.7
2.6
2.7
2.7
2.3
2.7
2.7
2.7
2.8
2.8
2.6
2.7
2.8
2.8
2.9
3.1
2.8
3.1
3.2

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

10.5
10.5
10.6
10.7
10.7
10.8
10.8
10.9
10.8
10.7
10.7
10.7
10.6
10.6
10.6
10.6
10.8
10.9
11.0
11.0
11.0
10.9
10.9
10.7
10.6
10.5
10.6
10.7

12.1
12.1
12.1
12.0
12.0
11.9
12.0
11.9
11.9
11.9
11.8
11.7
11.6
11.5
11.7
11.7
11.6
11.6
11.6
11.7
11.7
11.9
11.7
11.6
11.5
11.7
11.6
11.7

1.9
3.2
4.4
3.8
3.6
4.2
4.0
4.0
4.0
0.4
0.9
1.0
0.7
1.0
1.1
(0.0)
(0.0)
0.3
0.3
(0.5)
(1.0)
(2.5)
(1.8)
(2.4)
(2.6)
(2.1)
(1.7)
(2.5)

*/ Millones de US dlares.
DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT
5. Prov/CV

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total
= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

3.3
3.6
3.7
3.7
3.9
3.8
3.9
3.8
3.8
3.4
3.5
3.5
3.5
3.5
3.6
3.4
3.3
3.4
3.3
3.2
3.1
2.8
3.0
2.9
2.8
2.9
3.0
2.8

9. AT/ENT
10. UT/PATRp

= Activo Total/Nmero Entidades (Mill de US$)

= Utilidad antes de impuesto sobre renta/Patrimonio Promedio (ROE)

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captac
13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

RICA Y REPBLICA DOMINICANA: INDICADORES FINANCIEROS PROMEDIO

PORCENTAJES

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

UT/PATRp

UT/ATp

103.4
106.3
108.3
106.2
104.0
104.9
105.0
107.0
108.7
106.4
111.3
121.7
113.6
112.8
114.5
114.4
110.6
115.6
115.2
110.8
113.3
110.6
104.1
117.7
102.8
102.9
101.0
99.1
99.2
105.7
101.3
99.2
99.3
94.9
90.2
102.5
95.9
93.4

141.0
140.9
140.9
141.1
139.9
139.7
139.3
137.3
136.5
136.5
134.6
133.4
131.9
131.2
132.1
130.4
130.6
129.7
129.5
127.5
126.3
123.3
121.4
120.4
120.4
120.0
121.0
119.1
117.7
116.7
116.2
115.3
115.0
114.7
115.0
115.5
117.4
118.7

52.4
52.4
52.6
52.5
53.1
53.2
53.4
54.1
53.9
53.8
54.7
55.2
55.0
55.4
55.9
56.6
57.0
57.2
57.6
58.3
58.7
59.9
60.5
60.8
60.8
60.9
60.6
61.2
61.9
62.0
62.5
62.4
62.4
62.6
62.4
62.2
61.6
61.3

4.5
4.6
4.7
4.7
4.7
4.8
4.8
4.8
4.8
4.7
4.7
4.8
4.8
4.8
4.9
5.0
5.0
4.7
4.8
4.8
4.7
4.8
4.8
4.9
4.5
4.5
4.5
4.6
4.6
4.6
4.6
4.5
4.6
4.6
4.6
4.7
4.7
4.7

579.0
587.9
597.8
608.7
607.9
636.8
643.7
649.2
659.3
671.5
687.5
698.0
712.7
711.3
711.2
714.2
707.4
733.0
742.6
747.0
757.9
762.6
779.4
813.8
822.3
834.1
864.0
870.2
866.5
869.8
860.2
876.2
893.1
893.3
905.2
915.1
931.1
928.6

22.5
20.4
21.1
20.1
22.4
22.3
21.6
21.5
21.3
20.7
20.3
21.4
27.8
24.8
24.8
23.7
23.1
22.9
23.0
22.8
22.2
21.7
21.5
21.5
21.8
21.7
23.7
25.1
26.2
26.1
25.9
24.9
24.2
23.8
22.6
21.8
17.4
16.7

2.1
1.9
2.0
1.9
2.1
2.1
2.0
2.0
2.0
2.0
1.9
2.0
2.7
2.4
2.4
2.3
2.3
2.2
2.2
2.2
2.2
2.1
2.1
2.1
2.0
2.0
2.1
2.3
2.4
2.4
2.4
2.3
2.2
2.2
2.1
2.0
1.8
1.8

93.0
89.2
85.8
87.3
88.1
86.4
87.0
87.1
86.9
98.4
96.7
96.5
97.4
96.3
95.9
100.1
100.1
98.6
98.9
101.8
104.2
111.5
107.9
110.8
112.2
109.8
107.7
112.0

120.5
121.1
122.2
122.7
127.2
123.8
124.8
124.4
125.0
124.8
126.6
127.5
128.0
128.3
129.7
130.0
130.1
130.4
130.0
128.7
128.6
129.5
130.5
130.6
131.6
132.8
131.5
130.7

60.8
60.5
60.4
60.2
58.4
60.1
59.6
60.1
59.7
59.7
59.1
58.8
58.8
58.7
58.2
58.0
58.1
58.1
58.0
58.5
58.6
58.2
57.7
57.6
57.4
56.9
57.3
57.3

4.7
4.7
4.7
4.7
4.7
4.7
4.7
4.8
4.8
4.9
4.6
4.7
4.8
4.8
4.8
4.8
4.9
4.8
4.8
4.8
4.8
4.8
4.7
4.7
4.8
4.8
4.8
4.8

933.8
935.4
938.7
942.3
936.6
934.3
949.6
956.7
972.5
979.8
991.8
1,000.3
1,018.8
1,026.6
1,013.6
1,023.5
1,030.5
1,046.6
1,047.5
1,064.2
1,057.5
1,073.6
1,085.3
1,093.1
1,095.1
1,112.5
1,101.8
1,112.9

17.1
15.9
15.7
15.9
15.6
15.3
15.2
15.0
14.7
14.2
14.7
14.8
16.3
15.7
16.2
16.3
16.3
16.5
16.7
16.2
16.3
16.4
19.1
18.8
18.4
19.0
19.1
19.4

1.8
1.7
1.7
1.7
1.7
1.6
1.6
1.6
1.6
1.5
1.6
1.6
1.7
1.7
1.7
1.7
1.7
1.8
1.8
1.7
1.8
1.8
2.1
2.0
2.0
2.0
2.0
2.1

o Promedio (ROE)

os Fros. por Captacin Anualizados/Captaciones Promedios)

MARGEN

DIS+IF/PT

8.8
8.8
8.7
8.8
8.8
8.8
8.8
8.8
9.3
9.3
9.3
8.9
9.4
9.1
9.4
9.3
9.3
9.2
9.3
9.7
9.7
9.6
9.7
9.7
9.4
9.3
9.3
9.3
9.3
9.3
9.3
9.2
9.3
9.4
9.3
9.3
9.8
9.4

46.6
46.6
46.4
46.0
45.8
45.8
45.8
44.8
45.2
45.4
44.6
44.0
44.1
43.8
43.7
42.9
42.8
42.5
42.3
41.5
40.8
39.5
38.9
38.8
38.9
38.5
39.0
38.4
37.8
37.7
37.2
37.3
37.1
36.9
37.0
37.7
38.2
38.7

9.4
9.4
9.4
9.4
9.4
9.4
9.4
9.5
9.6
9.6
9.6
9.4
9.7
9.7
9.6
9.6
9.8
9.7
9.7
9.6
9.6
9.6
9.6
9.4
9.5
9.5
9.6
9.7

39.3
39.8
39.5
39.8
39.8
40.1
40.1
40.0
40.2
40.8
41.3
41.7
41.8
41.8
42.4
42.5
42.1
42.6
42.7
42.0
42.0
42.4
42.0
42.4
42.8
42.8
42.5
42.4

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio 3/

Millones US$

Por Riesgo

5,860,635
5,897,682
6,193,137
6,277,942
6,299,331
6,397,190
6,455,757
6,618,366
6,837,404
6,788,476
6,980,043
7,064,440
7,133,174
7,241,784
7,431,375
7,394,779
7,490,073
7,616,064
7,653,907
7,754,253
8,028,123
8,091,711
8,215,419
8,472,415
8,853,715
8,970,747
9,263,773
9,314,274
9,572,484
9,602,194
9,764,195
9,786,577
9,914,367
10,017,641
10,074,871
10,744,707
10,773,941
10,886,538

5,860,635
5,879,159
5,983,818
6,057,349
6,105,745
6,154,320
6,197,382
6,250,005
6,315,272
6,362,592
6,418,724
6,472,534
7,133,174
7,187,479
7,268,778
7,300,278
7,338,237
7,384,542
7,423,022
7,464,426
7,527,059
7,583,524
7,640,969
7,710,257
8,853,715
8,912,231
9,029,412
9,100,627
9,194,999
9,262,865
9,334,483
9,390,995
9,449,147
9,505,997
9,557,713
9,656,629
10,773,941
10,830,239

500.65
503.17
506.03
508.66
511.30
514.06
516.70
519.34
522.06
519.63
518.78
519.95
521.05
520.97
520.69
520.68
520.76
520.72
520.68
520.75
520.74
521.16
502.25
500.97
499.74
499.00
497.67
497.21
522.88
522.76
556.64
557.35
559.26
560.51
536.75
560.85
565.16
570.13

11,706
11,721
12,239
12,342
12,320
12,444
12,494
12,744
13,097
13,064
13,455
13,587
13,690
13,901
14,272
14,202
14,383
14,626
14,700
14,891
15,417
15,526
16,357
16,912
17,717
17,977
18,614
18,733
18,307
18,368
17,541
17,559
17,728
17,872
18,770
19,158
19,064
19,095

6,932,531
7,044,188

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Sept
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Sept
Octubre
Noviembre
Diciembre

10,984,704
11,137,521
11,330,450
11,354,413
11,456,359
11,432,626
11,525,077
11,499,206
11,268,108
11,503,331
11,505,523
11,375,661
11,214,234
11,089,961
11,485,620
11,621,259
11,472,565
11,433,345
11,475,838
11,553,654
11,805,735
12,029,669
12,181,113
12,124,750
12,313,461
12,398,011
12,445,231
12,454,033

10,881,728
10,945,676
11,022,631
11,077,928
11,131,989
11,169,569
11,209,070
11,238,083
11,240,813
11,262,689
11,505,523
11,440,592
11,365,139
11,296,345
11,334,200
11,382,043
11,394,975
11,399,771
11,408,223
11,422,766
11,457,582
11,505,255
12,181,113
12,152,931
12,206,441
12,254,334
12,292,513
12,334,371

568.35
577.97
581.63
579.91
590.94
593.74
591.73
586.31
559.27
571.81
565.11
558.45
528.78
516.04
545.72
540.24
522.71
514.28
512.94
519.18
512.20
518.09
510.69
507.61
506.16
506.44
511.15
509.57

19,327
19,270
19,481
19,580
19,387
19,255
19,477
19,613
20,148
20,117
20,360
20,370
21,208
21,491
21,047
21,511
21,948
22,232
22,373
22,254
23,049
23,219
23,852
23,886
24,327
24,481
24,348
24,440

7,024,359
7,105,395
7,201,503
7,215,480
7,271,254
7,271,399
7,303,725
7,271,591
7,176,177
7,336,680
7,334,198
7,246,722
7,112,281
6,967,752
7,259,945
7,332,242
7,327,617
7,305,987
7,331,880
7,408,283
7,452,386
7,690,463
7,819,450
7,705,725
7,779,076
7,782,961
7,859,461
7,907,908

Nota: BANSOL de Costa Rica, inicia operaciones en noviembre de 2010, pero presenta su primer estado fin
FUENTE: Superintendencias de Bancos de Costa Rica
1/ Se refiere a informacin de bancos comerciales o mltiples, tanto pblicos como privados
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.
6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.
7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.
9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.

COSTA RICA: INDICADORES BASICOS D

DATOS EN MILLONES DE
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

1,622,903
1,622,493
1,752,248
1,751,733
1,822,024
1,770,348
1,739,718
1,781,527
1,884,322
1,806,722
1,788,857
1,824,483
1,811,045
1,841,790
1,763,119
1,738,526
1,757,042
1,723,238
1,608,261
1,506,919
1,589,955
1,468,987
1,427,303
1,493,891
1,700,041
1,714,519
1,821,046
1,713,502
1,580,500
1,552,742
1,391,710
1,291,793
1,254,046
1,232,748
1,231,578
1,445,860
1,494,987
1,577,429

794,692
824,897
880,834
896,960
818,594
881,797
887,216
915,775
966,844
925,719
1,014,865
922,745
964,473
976,751
1,125,888
1,064,623
1,041,463
1,054,007
1,064,591
1,106,132
1,117,868
1,132,513
1,173,968
1,160,389
1,224,585
1,211,804
1,263,981
1,263,417
1,364,408
1,361,994
1,396,520
1,433,251
1,495,999
1,538,845
1,610,452
1,582,429
1,571,238
1,607,272

2,982,136
2,984,472
3,098,373
3,136,794
3,180,206
3,253,012
3,320,683
3,386,336
3,481,300
3,544,865
3,648,327
3,779,356
3,822,544
3,881,302
3,999,689
4,055,316
4,154,374
4,284,833
4,408,451
4,562,740
4,717,381
4,892,575
4,994,089
5,230,027
5,333,009
5,444,455
5,570,846
5,730,487
6,000,020
6,061,734
6,331,286
6,408,974
6,492,858
6,561,324
6,524,933
6,997,170
6,977,283
6,997,580

2,982,136
2,983,304
3,021,661
3,050,444
3,076,396
3,105,832
3,136,525
3,167,751
3,202,590
3,236,818
3,274,228
3,316,322
3,822,544
3,851,923
3,901,178
3,939,713
3,982,645
4,033,010
4,086,644
4,146,156
4,209,625
4,277,920
4,343,027
4,416,943
5,333,009
5,388,732
5,449,437
5,519,699
5,615,763
5,690,092
5,781,691
5,860,101
5,930,408
5,993,499
6,041,812
6,121,425
6,977,283
6,987,431

45,333
45,086
46,009
49,078
51,666
51,968
51,658
53,805
57,460
56,155
53,831
55,255
61,251
60,465
64,335
68,414
71,684
65,305
67,354
67,654
68,362
70,081
70,127
70,734
74,229
74,065
79,100
89,865
83,819
82,492
89,333
92,708
93,366
96,808
101,435
122,459
139,964
152,510

69,346
70,326
70,721
71,186
74,101
75,812
77,697
79,886
81,152
87,293
97,613
92,354
88,140
91,458
91,419
92,389
94,729
87,188
85,330
86,506
87,088
90,623
89,954
92,047
100,100
104,575
103,430
111,571
113,512
109,344
111,187
115,550
114,663
113,069
115,323
128,446
136,914
139,331

5,076,585
5,099,254
5,372,879
5,444,549
5,446,520
5,533,963
5,579,159
5,723,561
5,921,731
5,852,580
6,018,024
6,093,325
6,136,103
6,227,211
6,402,094
6,354,170
6,432,744
6,572,006
6,602,601
6,690,741
6,931,846
6,981,433
7,106,281
7,367,569
7,722,522
7,827,798
8,091,609
8,116,799
8,358,747
8,378,470
8,529,293
8,540,784
8,641,930
8,727,069
8,764,329
9,303,824
9,424,233
9,522,444

1,617,380
1,707,671
1,763,267
1,859,933
1,741,428
1,789,056
1,774,068
1,930,109
1,768,215
1,849,413
1,935,580
1,838,132
1,851,965
1,817,637
1,994,746
2,069,577
1,939,027
1,958,555
1,866,883
1,956,804
1,927,516
2,030,235
2,081,964
2,114,497
2,173,880
2,202,462
2,200,286
2,156,608

1,700,989
1,650,731
1,727,669
1,663,240
1,784,160
1,668,297
1,778,505
1,599,884
1,653,187
1,678,312
1,585,059
1,589,465
1,655,122
1,602,218
1,626,742
1,648,037
1,593,664
1,532,456
1,598,231
1,450,458
1,624,617
1,611,445
1,600,873
1,561,283
1,643,824
1,623,977
1,612,548
1,565,963

6,984,476
7,067,838
7,106,332
7,084,192
6,284,296
7,199,272
6,993,372
7,172,588
7,041,897
7,196,636
7,148,577
7,101,314
6,904,775
6,834,085
7,042,711
7,078,013
7,067,946
7,085,423
7,156,285
7,276,428
7,389,897
7,545,928
7,607,783
7,538,185
7,618,525
7,676,247
7,748,314
7,824,457

6,986,446
7,006,794
7,026,702
7,036,284
6,928,857
6,962,659
6,966,071
6,986,723
6,991,739
7,008,814
7,148,577
7,124,945
7,051,555
6,997,188
7,006,292
7,018,246
7,025,346
7,032,856
7,046,570
7,069,556
7,098,678
7,135,948
7,607,783
7,572,984
7,588,164
7,610,185
7,637,811
7,695,203

149,731
154,787
168,050
175,663
154,669
186,235
182,574
179,514
165,038
163,385
169,254
166,460
164,487
170,267
185,223
168,578
172,909
174,042
170,814
168,218
164,243
154,659
165,889
158,373
163,902
174,419
188,555
187,023

, pero presenta su primer estado financiero, a partir de diciembre de 2010.

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

cartera bruta con atraso mayor a 90 das.

139,323
145,172
146,817
147,267
154,685
157,633
160,296
160,858
146,797
149,775
152,949
153,648
149,021
146,344
158,152
155,302
151,913
148,911
149,845
146,270
148,157
145,727
145,880
144,158
144,471
149,970
153,351
155,381

9,612,317
9,742,276
9,917,358
9,922,957
10,002,091
9,961,119
10,038,685
10,003,497
9,795,665
10,014,123
10,000,638
9,861,677
9,719,923
9,593,341
9,950,222
10,076,376
9,936,400
9,872,447
9,902,542
9,968,741
10,202,837
10,393,800
10,529,409
10,458,547
10,629,347
10,688,905
10,703,567
10,695,946

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

CA: INDICADORES BASICOS DEL SISTEMA BANCARIO 1/

DATOS EN MILLONES DE COLONES
Depsitos

Depsitos

Totales 10/

Promedio

4,102,410
4,146,532
4,344,714
4,409,562
4,420,208
4,468,910
4,512,660
4,618,065
4,768,661
4,725,325
4,826,332
4,917,186
4,938,086
5,018,367
5,149,649
5,142,603
5,210,711
5,262,506
5,316,228
5,350,791
5,515,320
5,499,972
5,541,234
5,667,452
6,009,506
6,118,223
6,303,018
6,384,933
6,538,738
6,515,217
6,629,927
6,543,552
6,661,400
6,761,236
6,811,136
7,125,849
7,251,818
7,444,961

4,102,410
4,124,471
4,197,885
4,250,804
4,284,685
4,315,389
4,343,571
4,377,883
4,421,303
4,451,705
4,485,762
4,521,714
4,938,086
4,978,227
5,035,367
5,062,176
5,091,883
5,120,320
5,148,307
5,173,618
5,211,585
5,240,423
5,267,770
5,301,077
6,009,506
6,063,864
6,143,582
6,203,920
6,270,883
6,311,606
6,357,080
6,380,389
6,411,613
6,446,575
6,479,717
6,533,561
7,251,818
7,348,389

Patrimonio 11/

595,589
598,510
607,532
610,531
614,239
614,227
677,056
680,601
686,079
692,904
702,777
700,423
778,366
777,588
777,275
774,791
777,436
761,492
830,020
830,219
852,943
856,056
853,099
841,723
893,141
890,470
906,193
910,688
907,597
905,741
965,589
960,210
969,292
967,477
982,081
1,086,444
1,194,762
1,203,969

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

595,589
597,050
600,544
603,041
605,281
606,772
616,812
624,786
631,596
637,727
643,641
648,372
778,366
777,977
777,743
777,005
777,091
774,491
782,424
788,398
795,570
801,619
806,299
809,251
893,141
891,806
896,602
900,123
901,618
902,305
911,346
917,454
923,213
927,640
932,589
945,410
1,194,762
1,199,366

364,867
366,389
366,397
368,811
372,256
386,481
409,960
414,950
444,975
446,011
446,019
457,700
477,970
479,191
486,816
486,824
492,490
496,908
522,359
529,281
529,850
529,894
531,021
532,192
552,358
554,822
555,429
571,764
588,810
589,873
616,432
625,032
626,359
627,359
644,188
726,907
776,930
776,633

209,178
342,113

36,463
70,280
107,804
144,822
183,815
222,006
262,053
303,323
344,702
387,847
430,754
474,946
43,972
84,806
128,753
170,748
214,263
256,404
300,595
345,392
389,862
435,642
482,115
530,168
48,869
95,891
143,879
191,843
240,733
290,261
343,731
401,078
460,787
526,198
587,706
658,696
72,124
138,288

7,681,294
7,793,369
8,027,846
8,049,593
8,162,970
8,197,453
8,332,007
8,347,706
8,157,103
8,196,469
8,139,366
8,093,752
8,064,317
8,038,397
8,342,221
8,389,383
8,305,444
8,266,112
8,342,410
8,322,095
8,491,790
8,687,698
8,818,458
8,784,801
8,933,998
8,982,104
8,945,154
8,927,426

7,459,358
7,542,860
7,639,858
7,708,147
7,773,121
7,826,163
7,882,368
7,928,902
7,949,647
7,970,216
8,139,366
8,116,559
8,099,145
8,083,958
8,135,611
8,177,906
8,196,126
8,204,874
8,220,156
8,230,350
8,254,117
8,290,249
8,818,458
8,801,629
8,845,752
8,879,840
8,892,903
8,903,599

1,212,582
1,229,878
1,247,236
1,266,635
1,282,007
1,295,442
1,307,685
1,317,115
1,308,361
1,321,317
1,332,058
1,339,837
1,324,962
1,329,114
1,354,623
1,365,929
1,372,495
1,382,897
1,392,525
1,404,919
1,418,630
1,452,441
1,465,275
1,478,068
1,492,326
1,507,734
1,532,805
1,543,822

1,203,771
1,210,298
1,217,686
1,225,844
1,233,867
1,241,564
1,248,911
1,255,731
1,260,516
1,265,583
1,332,058
1,335,947
1,332,285
1,331,493
1,336,119
1,341,087
1,345,574
1,350,239
1,354,938
1,359,936
1,365,272
1,372,536
1,465,275
1,471,671
1,478,556
1,485,851
1,495,242
1,509,122

811,549
812,090
812,090
849,119
850,603
867,346
870,701
885,986
903,776
906,338
936,457
937,901
937,489
937,489
941,406
942,176
942,948
942,960
943,269
943,282
954,532
955,583
987,307
990,438
990,451
991,714
991,727
994,743

442,298
635,108
794,526
913,618
1,117,179
1,254,693
1,420,395
1,617,258
2,041,067
2,461,132
345,271
564,126
1,044,982
1,285,178
1,896,669
2,214,171
2,539,888
2,726,034
2,935,095
3,317,620
3,510,520
3,497,909
164,713
388,785
498,262
594,049
746,067
960,245

210,013
281,131
353,912
425,086
498,668
572,793
645,165
719,001
788,173
859,842
68,807
131,495
199,259
265,608
333,778
401,312
471,057
541,069
610,473
680,127
753,791
824,623
72,424
139,483
212,428
283,586
356,578
428,458

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

Depsitos 14/

anualizado

nistrativo 15/

anualizado

antes ISR 16/

158,747
247,741

33,160
63,397
99,648
127,955
160,865
197,322
229,886
265,238
299,033
301,484
321,212
347,941
27,580
48,375
68,568
87,817
105,260
122,967
140,641
157,459
174,981
195,865
212,806
229,604
17,712
34,610
51,365
67,675
83,407
98,741
114,208
130,375
147,535
167,310
188,050
210,790
25,735
52,996

397,919
380,381
398,590
383,864
386,077
394,643
394,091
397,857
398,711
361,781
350,413
347,941
330,954
290,249
274,272
263,452
252,625
245,934
241,098
236,189
233,308
235,038
232,152
229,604
212,548
207,661
205,459
203,026
200,178
197,482
195,785
195,563
196,713
200,773
205,145
210,790
308,816
317,977

23,368
47,140
73,844
99,010
125,489
153,099
179,564
206,266
232,536
260,354
288,512
319,382
27,748
54,851
84,575
113,116
145,079
179,035
211,220
243,829
276,239
309,505
342,987
378,162
31,136
63,191
96,000
130,829
166,419
201,040
237,117
273,483
309,860
348,216
383,839
426,429
35,935
74,786

280,413
282,837
295,376
297,031
301,173
306,197
307,824
309,399
310,048
312,425
314,740
319,382
332,970
329,106
338,301
339,349
348,188
358,071
362,092
365,743
368,319
371,406
374,167
378,162
373,631
379,144
384,000
392,486
399,404
402,080
406,486
410,225
413,146
417,860
418,733
426,429
431,219
448,714

14,273
24,354
37,434
48,549
62,197
73,967
87,297
101,979
116,920
124,492
129,924
157,985
19,952
35,891
52,628
66,920
79,358
96,142
116,121
127,928
140,288
150,217
152,483
164,011
13,836
26,268
41,254
56,796
77,633
94,823
121,735
137,018
154,330
177,485
184,564
206,209
15,568
27,208

437,561
421,679
431,215
434,466
441,156
444,012
449,234
454,985
459,603
465,417
469,914
474,946
527,666
508,837
515,013
512,245
514,231
512,808
515,306
518,088
519,816
522,771
525,943
530,168
586,427
575,343
575,514
575,528
577,760
580,523
589,254
601,618
614,382
631,438
641,134
658,696
865,486
829,727

840,051
843,392
849,389
850,172
854,860
859,190
860,220
862,801
859,825
859,842
825,688
788,970
797,038
796,825
801,067
802,624
807,526
811,603
813,964
816,152
822,318
824,623
869,093
836,899
849,711
850,757
855,788
734,499

304,317
447,583
559,199
631,891
783,055
870,534
987,003
1,140,413
1,533,908
1,898,897
298,243
474,935
921,051
1,119,431
1,664,272
1,935,317
2,219,274
2,357,534
2,515,690
2,844,479
2,990,410
2,917,079
113,498
288,110
342,643
384,720
478,469
638,482

83,952
115,966
148,801
181,086
213,278
245,616
277,061
309,347
338,320
366,950
27,033
52,016
77,206
101,498
125,616
150,069
174,551
199,469
224,053
248,705
274,992
296,132
24,501
48,611
73,902
99,041
124,155
148,874

335,809
347,898
357,123
362,171
365,619
368,424
369,415
371,216
369,076
366,950
324,393
312,095
308,822
304,493
301,477
300,137
299,230
299,203
298,737
298,446
299,992
296,132
294,012
291,666
295,609
297,122
297,972
255,213

114,499
153,212
194,395
233,814
273,274
313,170
352,481
393,932
433,010
477,465
38,217
77,822
120,172
160,414
201,482
241,604
283,086
326,975
371,115
413,651
457,426
506,297
41,837
83,668
131,458
174,435
221,642
266,109

457,997
459,635
466,547
467,627
468,470
469,755
469,974
472,719
472,375
477,465
458,609
466,933
480,689
481,242
483,556
483,209
485,290
490,463
494,820
496,381
499,010
506,297
502,039
502,008
525,831
523,306
531,940
456,187

38,404
52,257
64,493
77,548
90,134
105,117
118,112
125,878
124,703
134,893
11,561
20,442
25,064
31,674
55,549
66,106
75,042
87,161
98,926
112,166
123,335
141,750
16,867
30,199
45,459
58,054
73,891
87,749

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Utilid. a/ISR

Nmero

anualizado

Bancos

171,271
146,121
149,736
145,648
149,274
147,934
149,653
152,969
155,893
149,390
141,735
157,985
239,428
215,348
210,513
200,761
190,458
192,283
199,065
191,893
187,050
180,261
166,345
164,011
166,031
157,610
165,015
170,388
186,319
189,645
208,689
205,528
205,774
212,982
201,343
206,209
186,822
163,246

19
19
19
19
19
16
16
16
16
16
16
16
16
16
16
16
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
15
15

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

10.2
10.1
9.8
9.7
9.8
9.6
10.5
10.3
10.0
10.2
10.1
9.9
10.9
10.7
10.5
10.5
10.4
10.0
10.8
10.7
10.6
10.6
10.4
9.9
10.1
9.9
9.8
9.8
9.5
9.4
9.9
9.8
9.8
9.7
9.7
10.1
11.1
11.1

14.4
14.5
15.2
15.4
15.3
15.0
14.1
14.3
13.8
13.7
14.1
13.9
13.3
13.5
13.7
13.6
13.6
13.8
13.1
13.1
13.5
13.7
13.9
14.3
14.4
14.6
15.0
14.7
14.7
14.7
14.3
14.1
14.3
14.4
14.1
13.3
12.3
12.5

153,617
156,772
154,782
155,096
154,516
157,675
157,483
151,054
136,039
134,893
138,735
122,652
100,258
95,023
133,317
132,213
128,644
130,742
131,901
134,599
134,547
141,750
202,402
181,195
181,838
174,161
177,339
150,427

15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
15
16
16
16
16
16
16
16
16

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Sept
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Sept
Octubre
Noviembre
Diciembre

11.0
11.0
11.0
11.2
11.2
11.3
11.3
11.5
11.6
11.5

12.0
12.2
12.4
11.9
12.0
11.7
11.7
11.5
11.0
11.2

11.6
11.8
11.8
12.0
11.8
11.8
12.0
12.1
12.1
12.2
12.0
12.1
12.0
12.2
12.1
12.2
12.3
12.4

10.9
10.7
10.5
10.4
10.8
10.9
10.7
10.7
10.7
10.8
10.9
11.1
10.9
10.7
10.9
11.0
11.0
11.0

DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT
5. Prov/CV

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total
= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT
10. UT/PATRp

= Activo Total/Nmero Entidades (Mill de US$)

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

COSTA RICA: INDICADORES FINANCIEROS

PORCENTAJES

CV-Prov/Kpri

CV/CrT

Prov/CV

DT /CrT

CrT/AT

GAD/ATp

AT/ENT */

(6.6)
(6.9)
(6.7)
(6.0)
(6.0)
(6.2)
(6.4)
(6.3)
(5.3)
(7.0)
(9.8)
(8.1)
(5.6)
(6.5)
(5.6)
(4.9)
(4.7)
(4.4)
(3.4)
(3.6)
(3.5)
(3.9)
(3.7)
(4.0)
(4.7)
(5.5)
(4.4)
(3.8)
(5.0)
(4.6)
(3.5)
(3.7)
(3.4)
(2.6)
(2.2)
(0.8)
0.4
1.7

1.5
1.5
1.5
1.6
1.6
1.6
1.6
1.6
1.7
1.6
1.5
1.5
1.6
1.6
1.6
1.7
1.7
1.5
1.5
1.5
1.4
1.4
1.4
1.4
1.4
1.4
1.4
1.6
1.4
1.4
1.4
1.4
1.4
1.5
1.6
1.8
2.0
2.2

153.0
156.0
153.7
145.0
143.4
145.9
150.4
148.5
141.2
155.5
181.3
167.1
143.9
151.3
142.1
135.0
132.1
133.5
126.7
127.9
127.4
129.3
128.3
130.1
134.9
141.2
130.8
124.2
135.4
132.6
124.5
124.6
122.8
116.8
113.7
104.9
97.8
91.4

137.6
138.9
140.2
140.6
139.0
137.4
135.9
136.4
137.0
133.3
132.3
130.1
129.2
129.3
128.8
126.8
125.4
122.8
120.6
117.3
116.9
112.4
111.0
108.4
112.7
112.4
113.1
111.4
109.0
107.5
104.7
102.1
102.6
103.0
104.4
101.8
103.9
106.4

50.9
50.6
50.0
50.0
50.5
50.9
51.4
51.2
50.9
52.2
52.3
53.5
53.6
53.6
53.8
54.8
55.5
56.3
57.6
58.8
58.8
60.5
60.8
61.7
60.2
60.7
60.1
61.5
62.7
63.1
64.8
65.5
65.5
65.5
64.8
65.1
64.8
64.3

4.8
4.8
4.9
4.9
4.9
5.0
5.0
5.0
4.9
4.9
4.9
4.9
4.7
4.6
4.7
4.6
4.7
4.8
4.9
4.9
4.9
4.9
4.9
4.9
4.2
4.3
4.3
4.3
4.3
4.3
4.4
4.4
4.4
4.4
4.4
4.4
4.0
4.1

616.1
616.9
644.1
649.6
648.4
777.8
780.9
796.5
818.6
816.5
840.9
849.2
855.6
868.8
892.0
887.6
846.1
860.4
864.7
875.9
906.9
913.3
962.2
994.8
1,042.2
1,057.5
1,095.0
1,101.9
1,076.9
1,080.5
1,031.8
1,032.9
1,042.8
1,051.3
1,104.1
1,126.9
1,270.9
1,273.0

1.3
1.2
2.6
3.3
(0.0)
3.3
2.6
2.1
2.0
1.5

2.1
2.2
2.4
2.5
2.5
2.6
2.6
2.5
2.3
2.3

1.7
1.4
1.6
2.6
2.9
1.4
2.2
2.7
2.2
2.3
1.7
0.9
2.0
1.4
2.0
2.5
3.5
3.2

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

trativo anualizado/Activo total promedio

2.4
2.3
2.4
2.5
2.6
2.4
2.4
2.5
2.4
2.3
2.2
2.0
2.2
2.1
2.2
2.3
2.4
2.4

93.0
93.8
87.4
83.8
100.0
84.6
87.8
89.6
88.9
91.7
90.4
92.3
90.6
85.9
85.4
92.1
87.9
85.6
87.7
87.0
90.2
94.2
87.9
91.0
88.1
86.0
81.3
83.1

110.0
110.3
113.0
113.6
129.9
113.9
119.1
116.4
115.8
113.9
113.9
114.0
116.8
117.6
118.5
118.5
117.5
116.7
116.6
114.4
114.9
115.1
115.9
116.5
117.3
117.0
115.4
114.1

63.6
63.5
62.7
62.4
54.9
63.0
60.7
62.4
62.5
62.6

4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2

62.1
62.4
61.6
61.6
61.3
60.9
61.6
62.0
62.4
63.0
62.6
62.7
62.5
62.2
61.9
61.9
62.3
62.8

4.0
4.1
4.2
4.3
4.3
4.2
4.3
4.3
4.3
4.3
4.4
4.4
4.1
4.1
4.3
4.3
4.3
3.7

1,288.5
1,284.7
1,298.7
1,305.3
1,292.4
1,283.7
1,298.5
1,307.5
1,343.2
1,341.2
1,357.3
1,358.0
1,413.9
1,432.7
1,403.1
1,434.1
1,463.2
1,482.1
1,491.5
1,483.6
1,440.6
1,451.2
1,490.8
1,492.9
1,520.5
1,530.0
1,521.7
1,527.5

mero Entidades (Mill de US$)

de impuesto sobre renta/Patrimonio Promedio (ROE)

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

28.8
24.5
24.9
24.2
24.7
24.4
24.3
24.5
24.7
23.4
22.0
24.4
30.8
27.7
27.1
25.8
24.5
24.8
25.4
24.3
23.5
22.5
20.6
20.3
18.6
17.7
18.4
18.9
20.7
21.0
22.9
22.4
22.3
23.0
21.6
21.8
15.6
13.6

2.9
2.5
2.5
2.4
2.4
2.4
2.4
2.4
2.5
2.3
2.2
2.4
3.4
3.0
2.9
2.8
2.6
2.6
2.7
2.6
2.5
2.4
2.2
2.1
1.9
1.8
1.8
1.9
2.0
2.0
2.2
2.2
2.2
2.2
2.1
2.1
1.7
1.5

5.0
4.9
4.8
5.2
5.3
5.2
5.2
5.3
5.3
6.3
6.5
6.6
7.1
7.4
7.8
7.8
8.0
7.9
7.9
7.9
7.9
7.7
7.7
7.7
7.5
7.3
7.2
7.2
7.1
7.1
7.1
7.2
7.3
7.4
7.4
7.5
8.1
7.5

47.6
48.0
49.0
48.6
48.5
47.9
47.1
47.1
48.1
46.7
46.6
45.1
45.2
45.3
45.1
44.1
43.5
42.3
40.5
39.1
39.1
37.3
36.6
36.0
37.9
37.4
38.1
36.7
35.2
34.8
32.7
31.9
31.8
31.8
32.4
32.5
32.5
33.4

12.8
13.0
12.7
12.7
12.5
12.7
12.6
12.0
10.8
10.7

1.4
1.4
1.4
1.4
1.4
1.4
1.4
1.3
1.2
1.2

10.4
9.2
7.5
7.1
10.0
9.9
9.6
9.7
9.7
9.9
9.9
10.3
13.8
12.3
12.3
11.7
11.9
10.0

7.5
7.4
7.4
7.4
7.6
7.6
7.7
7.7
7.7
7.7

1.2
1.1
0.9
0.8
1.2
1.2
1.1
1.1
1.2
1.2
1.2
1.2
1.7
1.5
1.5
1.4
1.4
1.2

34.5
34.5
35.2
35.5
35.2
34.7
35.4
35.3
34.9
35.2

7.6
7.2
7.5
7.6
7.7
7.8
7.8
7.9
7.9
7.9
7.9
8.0
8.1
7.7
7.9
7.8
7.9
6.7

35.2
34.8
36.1
35.6
36.4
36.9
35.6
35.4
35.0
34.2
34.8
35.0
35.0
35.1
35.9
35.8
35.6
34.8

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre15/
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio 3/

Millones US$

Por Riesgo

11,165
11,237
11,258
11,341
11,185
11,305
11,553
11,340
11,720
11,595
11,673
11,869
11,899
11,970
12,211
12,185
12,264
12,499
12,761
12,791
12,799
12,779
12,858
13,193
13,132
13,213
13,439
13,468
13,371
13,465
13,542
13,771
13,762
13,633
13,684
13,678
13,565
13,537

11,165
11,201
11,220
11,250
11,237
11,248
11,292
11,298
11,345
11,370
11,397
11,437
11,899
11,934
12,027
12,066
12,106
12,171
12,255
12,322
12,375
12,416
12,456
12,517
13,132
13,173
13,261
13,313
13,325
13,348
13,376
13,425
13,463
13,480
13,498
13,513
13,565
13,551

1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0

11,165
11,237
11,258
11,341
11,185
11,305
11,553
11,340
11,720
11,595
11,673
11,869
11,899
11,970
12,211
12,185
12,264
12,499
12,761
12,791
12,799
12,779
12,858
13,193
13,132
13,213
13,439
13,468
13,371
13,465
13,542
13,771
13,762
13,633
13,684
13,678
13,565
13,537

7,893
7,836
7,856
7,880
7,838
7,875
7,976
8,000
8,088
8,119
8,234
8,413
8,456
8,462
8,533
8,554
8,588
8,673
8,750
8,852
8,911
8,978
9,063
9,153
9,193
9,211
9,360
9,397
9,379
9,432
9,423
9,499
9,484
9,438
9,422
9,320
9,227
9,155

2010

2011

Prelim.

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

13,467
13,498
13,371
13,295
13,252
13,317
13,133
13,048
13,098
13,306
13,344
13,394
13,384
13,333
13,262
13,081
13,013
13,156
13,132
13,083
13,207
13,217
12,999
13,137
13,130
13,177
12,990
12,871

13,523
13,517
13,488
13,455
13,426
13,413
13,382
13,348
13,215
13,324
13,344
13,369
13,374
13,364
13,344
13,300
13,259
13,246
13,233
13,218
13,217
13,217
12,999
13,068
13,088
13,111
13,087
13,051

1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0

13,467
13,498
13,371
13,295
13,252
13,317
13,133
13,048
13,098
13,306
13,344
13,394
13,384
13,333
13,262
13,081
13,013
13,156
13,132
13,083
13,207
13,217
12,999
13,137
13,130
13,177
12,990
12,871

9,083
9,079
9,010
8,911
8,881
8,850
8,782
8,745
8,733
8,803
8,812
8,785
8,800
8,786
8,755
8,664
8,630
8,635
8,606
8,600
8,699
8,633
8,591
8,613
8,602
8,660
8,589
8,551

Nota: First Comercial Bank, inform su cierre de operaciones a partir de octubre de 2010; sin embargo, con

(*) A partir de Enero de 2001, los datos se expresan en Dlares segn Ley de Integracin Monetaria, aprobada por la Asamblea Legis

(**) A partir de este mes se excluye al Banco Hipotecario de El Salvador. En el prximo reporte se excluir ese banco de toda la serie,
***/ Fondo Patrimonial, segn Art. 41 y 42 de la Ley de Bancos.
FUENTE: Bancos Centrales de de El Salvador
1/ Se refiere a informacin de bancos comerciales o mltiples, tanto pblicos como privados
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.
6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.

7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.
9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.

Notas:
1/ First Comercial Bank, anuncia cierre de operaciones a partir del 1 de noviembre de 2010

EL SALVADOR: INDICADORES BASICOS D

DATOS EN MILLONES DE US
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

3,030
3,027
2,976
2,930
2,828
2,872
2,978
2,794
3,046
2,870
2,798
2,796
2,833
2,885
2,980
2,938
3,020
3,120
3,342
3,319
3,223
3,128
3,106
3,191
3,190
3,190
3,291
3,314
3,240
3,307
3,354
3,484
3,468
3,389
3,404
3,451
3,503
3,557

1,185
1,247
1,138
1,093
1,127
1,133
1,371
1,166
1,317
1,198
1,201
1,194
1,264
1,318
1,412
1,368
1,436
1,496
1,652
1,611
1,486
1,474
1,468
1,565
1,532
1,465
1,549
1,558
1,580
1,578
1,639
1,680
1,662
1,558
1,597
1,750
1,797
1,799

7,244
7,313
7,362
7,444
7,472
7,509
7,562
7,622
7,689
7,785
7,936
8,072
8,121
8,133
8,217
8,266
8,295
8,389
8,433
8,516
8,586
8,663
8,767
8,861
8,922
8,985
9,074
9,134
9,128
9,178
9,191
9,254
9,279
9,269
9,267
9,164
9,021
8,946

7,244
7,278
7,306
7,341
7,367
7,390
7,415
7,441
7,469
7,500
7,540
7,584
8,121
8,127
8,157
8,184
8,206
8,237
8,265
8,296
8,329
8,362
8,399
8,437
8,922
8,954
8,994
9,029
9,049
9,070
9,087
9,108
9,127
9,141
9,153
9,154
9,021
8,984

145
149
139
149
155
152
158
159
161
162
163
155
167
172
167
177
183
174
178
181
179
197
191
183
196
206
217
219
229
216
227
248
250
264
287
257
268
272

177
180
176
183
184
185
176
177
178
174
178
181
184
188
193
202
208
211
207
211
208
219
215
219
226
230
237
237
240
245
248
258
268
273
288
284
296
296

9,774
9,872
9,882
9,947
9,774
9,879
10,118
9,879
10,251
10,117
10,169
10,348
10,354
10,435
10,663
10,616
10,676
10,890
11,136
11,144
11,161
11,093
11,164
11,493
11,412
11,479
11,696
11,706
11,572
11,632
11,684
11,895
11,876
11,729
11,771
11,745
11,614
11,600

3,552
3,624
3,514
3,571
3,534
3,676
3,558
3,460
3,547
3,667
3,739
3,840
3,887
3,854
3,879
3,784
3,650
3,880
3,954
3,897
3,921
3,853
3,694
3,838
3,854
3,740
3,675
3,710

1,839
1,912
1,702
1,794
1,836
1,888
1,812
1,739
1,744
1,986
2,040
2,106
2,126
2,049
2,026
1,933
1,802
2,022
2,112
2,064
2,090
2,046
1,785
1,893
1,940
1,786
1,770
1,682

8,909
8,877
8,844
8,733
8,685
8,645
8,609
8,563
8,562
8,579
8,578
8,496
8,485
8,494
8,414
8,338
8,350
8,296
8,214
8,210
8,277
8,342
8,311
8,304
8,333
8,373
8,335
8,309

8,959
8,938
8,919
8,888
8,859
8,832
8,808
8,783
8,763
8,748
8,578
8,537
8,520
8,513
8,493
8,468
8,451
8,431
8,407
8,388
8,377
8,374
8,311
8,307
8,316
8,330
8,331
8,327

282
296
321
322
321
338
354
359
364
316
326
330
328
336
350
346
346
355
353
347
346
334
336
335
338
337
342
331

300
311
318
324
327
342
347
348
357
349
361
362
359
362
360
351
356
362
347
350
357
357
352
354
352
354
351
340

11,518
11,539
11,405
11,311
11,246
11,301
11,136
11,043
11,105
11,310
11,332
11,390
11,382
11,332
11,262
11,077
10,992
11,123
11,096
11,044
11,144
11,142
10,926
11,166
11,151
11,229
11,028
10,901

octubre de 2010; sin embargo, continu publicando estados financieros hasta el 31 de diciembre de 2010.

Monetaria, aprobada por la Asamblea Legislativa el 30/11/2000

porte se excluir ese banco de toda la serie, por ser un banco estatal no comercial.

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

cartera bruta con atraso mayor a 90 das.

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

DOR: INDICADORES BASICOS DEL SISTEMA BANCARIO 1/

DATOS EN MILLONES DE US DOLARES*
Depsitos

Depsitos

Totales 10/

Promedio

7,695
7,827
7,982
8,047
7,907
8,028
8,212
8,074
8,167
8,196
8,274
8,419
8,503
8,612
8,872
8,824
8,998
9,232
9,547
9,559
9,574
9,522
9,568
9,842
9,769
9,817
9,922
9,896
9,738
9,788
9,836
9,890
9,879
9,762
9,794
9,835
9,864
9,905

7,695
7,761
7,834
7,887
7,891
7,914
7,957
7,971
7,993
8,013
8,037
8,069
8,503
8,558
8,662
8,703
8,762
8,840
8,941
9,018
9,080
9,124
9,165
9,221
9,769
9,793
9,836
9,851
9,829
9,822
9,824
9,832
9,837
9,830
9,827
9,827
9,864
9,884

Patrimonio 11/

1,246
1,212
1,228
1,241
1,254
1,271
1,294
1,316
1,332
1,349
1,369
1,389
1,410
1,392
1,409
1,420
1,434
1,451
1,467
1,484
1,489
1,520
1,534
1,539
1,552
1,559
1,571
1,587
1,619
1,649
1,666
1,677
1,679
1,690
1,687
1,704
1,709
1,693

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

1,246
1,229
1,229
1,232
1,236
1,242
1,249
1,258
1,266
1,274
1,283
1,292
1,410
1,401
1,404
1,408
1,413
1,419
1,426
1,433
1,440
1,448
1,456
1,462
1,552
1,556
1,561
1,568
1,578
1,590
1,601
1,610
1,618
1,625
1,631
1,637
1,709
1,701

822
863
863
863
863
865
875
880
880
891
891
909
909
960
975
975
975
978
978
978
978
993
993
1,015
1,015
1,098
1,098
1,098
1,099
1,116
1,123
1,123
1,124
1,124
1,124
1,145
1,145
1,194

75
148
223
298
377
455
535
615
694
777
860
947
85
164
253
339
428
515
608
701
789
882
973
1,067
90
175
264
351
441
528
616
704
791
881
969
1,066
91
174

60
120
181
243
308
373
439
506
570
639
707
780
71
137
212
284
358
431
508
585
658
736
813
893
77
152
230
308
390
468
549
628
707
791
873
963
86
165

9,865
9,880
9,845
9,876
9,843
9,952
9,938
9,873
9,906
10,118
10,133
10,245
10,277
10,268
10,205
10,083
10,075
10,211
10,197
10,152
10,273
10,248
10,049
10,100
10,217
10,203
10,050
9,977

9,878
9,878
9,872
9,872
9,868
9,879
9,885
9,884
9,886
9,905
10,133
10,189
10,218
10,231
10,226
10,202
10,184
10,187
10,188
10,185
10,193
10,197
10,049
10,074
10,122
10,142
10,124
10,099

1,705
1,702
1,706
1,719
1,737
1,737
1,721
1,728
1,707
1,720
1,725
1,713
1,713
1,713
1,714
1,729
1,736
1,743
1,768
1,770
1,787
1,798
1,798
1,695
1,708
1,679
1,693
1,711

1,702
1,702
1,703
1,706
1,710
1,713
1,714
1,716
1,715
1,715
1,725
1,719
1,717
1,716
1,716
1,718
1,721
1,723
1,728
1,733
1,738
1,743
1,798
1,746
1,733
1,720
1,714
1,714

1,194
1,194
1,194
1,197
1,197
1,214
1,194
1,194
1,194
1,208
1,208
1,208
1,209
1,209
1,209
1,210
1,210
1,210
1,210
1,210
1,212
1,213
1,215
1,215
1,215
1,215
1,215
1,215

266
353
444
534
624
716
804
895
983
1,074
89
168
258
340
425
507
591
677
757
841
922
1,006
82
158
241
320
402
475

252
335
420
503
587
670
751
835
914
998
83
158
243
321
401
479
558
637
713
791
868
947
78
149
226
301
377
470

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

Depsitos 14/

anualizado

nistrativo 15/

anualizado

antes ISR 16/

721
722
725
728
739
746
753
759
760
767
772
780
854
822
846
853
860
863
871
877
878
883
886
893
927
911
922
924
935
937
941
943
943
949
953
963
1,037
989

28
56
85
114
145
175
227
258
289
323
355
397
35
66
101
137
174
209
247
284
320
357
393
431
36
70
105
137
171
202
234
267
299
334
368
405
36
69

26
50
78
104
133
160
201
230
259
290
308
339
33
62
94
127
162
195
230
265
298
333
367
403
34
66
98
128
159
189
219
249
279
312
344
378
34
65

309
302
312
313
318
321
344
345
345
348
336
339
391
370
376
382
389
391
394
397
398
399
400
403
406
396
393
385
383
377
375
373
372
374
375
378
407
392

25
51
78
105
132
160
188
216
244
273
302
336
27
55
84
113
142
174
204
235
265
298
330
368
31
62
94
126
158
191
225
258
292
327
366
407
32
63

303
305
313
314
317
321
322
324
325
327
330
336
321
330
337
338
342
347
350
353
354
357
360
368
375
372
375
377
380
383
385
387
389
393
399
407
380
380

14
28
45
57
75
92
109
127
143
165
187
207
24
38
55
67
83
97
116
136
140
156
174
184
15
26
44
68
104
119
135
146
146
158
153
165
5
14

1,007
1,005
1,009
1,006
1,006
1,005
1,001
1,002
997
998
1,002
949
972
962
963
957
957
955
950
949
947
947
934
893
905
903
906
940

106
142
178
212
247
281
313
344
374
404
29
54
81
107
133
158
182
206
229
251
272
293
19
37
56
75
93
109

101
134
169
201
234
265
296
325
352
379
26
49
74
98
121
143
165
186
207
226
245
263
17
32
48
62
77
91

402
403
405
402
400
398
394
390
384
379
315
296
297
293
291
287
283
280
275
272
267
263
202
194
191
187
185
182

97
140
174
207
242
276
312
348
385
435
35
69
107
144
182
220
258
297
342
378
423
470
37
75
116
156
197
237

386
421
418
415
415
415
415
418
420
435
421
416
427
433
438
439
442
446
455
454
461
470
446
448
464
467
472
473

26
21
25
37
41
42
47
54
53
58
7
17
35
44
53
72
82
94
122
129
148
161
23
47
70
86
108
137

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Utilid. a/ISR

Nmero

anualizado

Bancos

169
168
181
172
180
184
187
191
191
198
204
207
288
228
221
201
200
193
199
205
187
187
190
184
177
155
177
204
249
238
232
219
194
190
167
165
62
85

13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
12
12
12
12
12
12

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre15/
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

11.2
10.8
10.9
10.9
11.2
11.2
11.2
11.6
11.4
11.6
11.7
11.7
11.9
11.6
11.5
11.7
11.7
11.6
11.5
11.6
11.6
11.9
11.9
11.7
11.8
11.8
11.7
11.8
12.1
12.2
12.3
12.2
12.2
12.4
12.3
12.5
12.6
12.5

12.1
11.6
11.6
11.7
11.5
11.6
11.7
11.4
11.8
11.5
11.6
11.5
11.5
11.0
11.1
11.0
11.1
11.3
11.5
11.6
11.6
11.3
11.4
11.5
11.4
10.6
10.8
10.8
10.7
10.6
10.6
10.8
10.8
10.6
10.7
10.5
10.4
9.9

104
63
61
74
71
63
62
64
58
58
89
105
142
133
126
143
140
141
162
155
161
161
278
282
281
257
258
274

12
12
12
12
13
13
13
13
13
13
13
13
13
13
13
13
13
13
13
12
12
12
12
12
12
12
12
12

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Octubre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

12.7
12.6
12.8
12.9
13.1
13.0
13.1
13.2
13.0
12.9
12.9
12.8
12.8
12.9
12.9
13.2
13.3
13.3
13.5
13.5
13.5
13.6
13.8
12.9
13.0
12.7
13.0
13.3

9.9
9.9
9.8
9.7
9.6
9.5
9.6
9.5
9.5
9.6
9.6
9.7
9.7
9.6
9.6
9.4
9.3
9.4
9.4
9.4
9.4
9.4
9.2
9.4
9.4
9.5
9.3
9.2

DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total

5. Prov/CV

= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT

= Activo Total/Nmero Entidades (Mill de US$)

10. UT/PATRp

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

EL SALVADOR: INDICADORES FINANCIEROS

PORCENTAJES

CV-Prov/Kpri

CV/CrT

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

(3.9)
(3.6)
(4.4)
(3.9)
(3.4)
(3.7)
(2.1)
(2.1)
(1.9)
(1.3)
(1.7)
(2.8)
(1.9)
(1.7)
(2.6)
(2.5)
(2.5)
(3.8)
(3.0)
(3.0)
(2.9)
(2.2)
(2.5)
(3.6)
(3.0)
(2.2)
(1.8)
(1.7)
(1.0)
(2.6)
(1.9)
(0.9)
(1.6)
(0.8)
(0.0)
(2.3)
(2.4)
(2.0)

2.0
2.0
1.9
2.0
2.1
2.0
2.1
2.1
2.1
2.1
2.1
1.9
2.1
2.1
2.0
2.1
2.2
2.1
2.1
2.1
2.1
2.3
2.2
2.1
2.2
2.3
2.4
2.4
2.5
2.4
2.5
2.7
2.7
2.9
3.1
2.8
3.0
3.0

122.2
120.6
127.2
122.6
118.9
121.3
111.5
111.4
110.5
107.3
109.1
116.4
110.2
109.8
115.3
114.0
113.5
121.1
116.3
116.5
115.9
111.0
112.8
120.0
115.3
111.8
109.1
108.4
104.7
113.4
109.3
104.3
107.2
103.2
100.1
110.4
110.2
108.7

106.2
107.0
108.4
108.1
105.8
106.9
108.6
105.9
106.2
105.3
104.3
104.3
104.7
105.9
108.0
106.8
108.5
110.0
113.2
112.2
111.5
109.9
109.1
111.1
109.5
109.3
109.3
108.3
106.7
106.6
107.0
106.9
106.5
105.3
105.7
107.3
109.3
110.7

64.9
65.1
65.4
65.6
66.8
66.4
65.5
67.2
65.6
67.1
68.0
68.0
68.3
67.9
67.3
67.8
67.6
67.1
66.1
66.6
67.1
67.8
68.2
67.2
67.9
68.0
67.5
67.8
68.3
68.2
67.9
67.2
67.4
68.0
67.7
67.0
66.5
66.1

2.7
2.7
2.8
2.8
2.8
2.9
2.8
2.9
2.9
2.9
2.9
2.9
2.7
2.8
2.8
2.8
2.8
2.9
2.9
2.9
2.9
2.9
2.9
2.9
2.9
2.8
2.8
2.8
2.9
2.9
2.9
2.9
2.9
2.9
3.0
3.0
2.8
2.8

858.8
864.4
866.0
872.3
860.4
869.6
888.7
872.3
901.6
891.9
897.9
913.0
915.3
920.8
939.3
937.3
943.4
961.4
981.6
983.9
984.5
983.0
989.1
1,014.9
1,010.2
1,016.4
1,033.8
1,036.0
1,028.5
1,035.7
1,041.7
1,059.3
1,146.8
1,136.1
1,140.3
1,139.8
1,130.4
1,128.1

(1.5)
(1.3)
0.3
(0.2)
(0.5)
(0.4)
0.5
0.9
0.5
(2.8)
(2.9)
(2.7)
(2.6)
(2.2)
(0.9)
(0.4)
(0.8)
(0.6)
0.6
(0.3)
(0.9)
(1.9)
(1.4)
(1.5)
(1.2)
(1.4)
(0.7)
(0.7)

3.2
3.3
3.6
3.7
3.7
3.9
4.1
4.2
4.2
3.7
3.8
3.9
3.9
4.0
4.2
4.2
4.1
4.3
4.3
4.2
4.2
4.0
4.0
4.0
4.1
4.0
4.1
4.0

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

trativo anualizado/Activo total promedio

mero Entidades (Mill de US$)

de impuesto sobre renta/Patrimonio Promedio (ROE)

106.4
105.2
99.0
100.6
101.8
101.4
98.2
97.0
98.3
110.5
110.7
109.7
109.7
107.8
103.0
101.2
102.8
101.9
98.1
101.0
103.0
106.9
104.9
105.6
104.4
104.9
102.6
102.6

110.7
111.3
111.3
113.1
113.3
115.1
115.4
115.3
115.7
117.9
118.1
120.6
121.1
120.9
121.3
120.9
120.7
123.1
124.1
123.7
124.1
122.8
120.9
121.6
122.6
121.9
120.6
120.1

66.2
65.8
66.1
65.7
65.5
64.9
65.6
65.6
65.4
64.5
64.3
63.4
63.4
63.7
63.4
63.7
64.2
63.1
62.5
62.8
62.7
63.1
63.9
63.2
63.5
63.5
64.2
64.6

2.9
3.1
3.1
3.1
3.1
3.1
3.1
3.1
3.2
3.3
3.2
3.1
3.2
3.2
3.3
3.3
3.3
3.4
3.4
3.4
3.5
3.6
3.4
3.4
3.5
3.6
3.6
3.6

1,122.3
1,124.8
1,114.2
1,107.9
1,019.4
1,024.4
1,010.2
1,003.7
1,007.5
1,023.5
1,026.5
1,030.3
1,029.6
1,025.6
1,020.2
1,006.2
1,001.0
1,012.0
1,010.2
1,090.2
1,100.6
1,101.4
1,083.2
1,094.7
1,094.2
1,098.1
1,082.5
1,072.6

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

13.6
13.7
14.7
14.0
14.6
14.8
15.0
15.2
15.1
15.5
15.9
16.0
20.4
16.3
15.7
14.3
14.1
13.6
14.0
14.3
13.0
12.9
13.1
12.6
11.4
10.0
11.3
13.0
15.8
15.0
14.5
13.6
12.0
11.7
10.3
10.1
3.6
5.0

1.5
1.5
1.6
1.5
1.6
1.6
1.7
1.7
1.7
1.7
1.8
1.8
2.4
1.9
1.8
1.7
1.7
1.6
1.6
1.7
1.5
1.5
1.5
1.5
1.3
1.2
1.3
1.5
1.9
1.8
1.7
1.6
1.4
1.4
1.2
1.2
0.5
0.6

5.9
6.0
5.9
5.9
6.0
6.0
5.8
5.9
5.9
5.9
6.1
6.1
5.9
5.8
6.0
6.0
6.0
6.1
6.1
6.2
6.2
6.2
6.2
6.2
6.2
6.1
6.3
6.3
6.4
6.5
6.5
6.6
6.6
6.6
6.6
6.7
7.4
7.0

43.1
43.3
41.6
40.4
40.5
40.5
43.0
40.1
42.6
40.2
39.3
38.6
39.6
40.3
41.2
40.6
41.7
42.4
44.8
44.2
42.2
41.5
41.0
41.4
41.4
40.5
41.4
41.6
41.6
42.0
42.7
43.4
43.2
42.2
42.5
44.3
45.6
46.2

6.1
3.7
3.6
4.4
4.2
3.7
3.6
3.8
3.4
3.4
5.2
6.1
8.3
7.7
7.4
8.3
8.1
8.2
9.4
9.0
9.3
9.2
15.5
16.1
16.2
14.9
15.1
16.0

0.8
0.5
0.5
0.6
0.5
0.5
0.5
0.5
0.4
0.4
0.7
0.8
1.1
1.0
0.9
1.1
1.1
1.1
1.2
1.2
1.2
1.2
2.1
2.2
2.1
2.0
2.0
2.1

7.2
7.2
7.2
7.3
7.3
7.4
7.4
7.5
7.5
7.6
8.6
8.2
8.5
8.4
8.5
8.5
8.5
8.6
8.6
8.6
8.7
8.7
9.2
8.8
9.0
9.0
9.0
9.5

46.8
48.0
45.7
47.4
47.8
49.2
48.2
47.1
47.6
50.0
51.0
52.2
52.8
52.1
52.4
51.6
49.6
53.1
54.7
54.0
53.9
52.9
50.2
51.3
52.0
49.2
49.4
49.5

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre 17/
Noviembre 18/
Diciembre
Enero 19/
Febrero
Marzo
Abril
Mayo 20/
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo 21/
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre22/
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio 3/

Millones US$

Por Riesgo

93,119
93,769
95,641
96,772
97,824
99,711
100,637
101,735
103,608
105,545
106,706
107,348
108,835
108,426
110,698
110,141
111,107
113,819
115,384
114,987
117,399
118,075
119,595
121,538
123,128
122,013
123,102
122,604
124,204
126,026
126,234
127,423
128,866
131,263
132,888
133,970
136,622
136,210

93,119
93,444
94,177
94,826
95,425
96,140
96,782
97,401
98,091
98,836
99,552
100,201
108,835
108,630
109,319
109,525
109,841
110,504
111,201
111,675
112,311
112,887
113,497
114,167
123,128
122,571
122,748
122,712
123,010
123,513
123,902
124,342
124,844
125,486
126,159
126,810
136,622
136,416

7.60
7.60
7.60
7.58
7.59
7.60
7.57
7.59
7.62
7.60
7.65
7.60
7.71
7.72
7.69
7.67
7.66
7.73
7.68
7.69
7.76
7.69
7.69
7.63
7.78
7.71
7.61
7.49
7.43
7.55
7.43
7.44
7.47
7.57
7.69
7.78
7.95
8.05

12,257
12,340
12,590
12,774
12,896
13,113
13,294
13,401
13,594
13,881
13,956
14,132
14,111
14,044
14,391
14,354
14,500
14,730
15,018
14,950
15,123
15,349
15,561
15,927
15,824
15,826
16,166
16,378
16,709
16,697
16,989
17,127
17,247
17,348
17,280
17,216
17,183
16,924

83,690
83,474

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

137,504
137,191
138,830
139,500
140,025
140,421
141,107
142,050
143,397
144,085
146,242
145,925
144,657
146,519
147,775
149,975
149,665
151,089
152,479
153,027
153,658
157,829
159,101
159,753
162,100
163,835
165,088
168,192

136,778
136,882
137,271
137,643
137,983
138,288
138,601
138,946
139,351
139,745
146,242
146,083
145,608
145,836
146,223
146,849
147,251
147,731
148,258
148,735
149,183
149,903
159,101
159,427
160,318
161,197
161,975
163,012

8.11
8.10
8.12
8.15
8.24
8.28
8.34
8.31
8.32
8.35
8.34
8.16
7.99
8.02
8.00
8.03
8.02
8.07
8.14
8.04
7.99
8.01
7.88
7.80
7.69
7.58
7.80
7.77

16,948
16,927
17,096
17,118
16,991
16,961
16,916
17,088
17,238
17,247
17,545
17,878
18,114
18,263
18,469
18,673
18,665
18,732
18,743
19,026
19,240
19,695
20,202
20,479
21,084
21,627
21,177
21,646

84,011
83,602
84,247
83,593
84,569
84,657
84,720
85,071
85,130
85,380
85,362
85,458
85,007
87,113
87,846
88,494
88,116
87,695
89,218
89,507
90,526
92,173
92,255
92,636
93,398
95,071
96,806
98,167

FUENTE: SUPERINTENDENCIA DE BANCOS DE GUATEMALA.

NOTAS:

1/ Incluye los siguientes Bancos: De Occidente, Crdito Hipotecario Nacional, Agromercantil (consolidacin del Agrcola Mercantil y De

Granai&Townson (a partir de junio2001 se consolid en G&Tcontinental), De los Trabajadores, Industrial, De desarrollo Rural, Del E

Del Caf, De la Construccin, Del Quetzal, De Exportacin, Promotor, Continental (junio2001 se consolid con G&Tcontinental), Re
Empresarial, Del Nor-oriente, Del Comercio, Vivibanco, De la Repblica, SCI, Americano, Privado para el Desarrollo,
De Antigua, De Amrica Central, Cuscatln, Lloyds TSB Bank PLC y Citibank.
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.

6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.
7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.
9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.
17/ En este mes se suspendieron operaciones del Banco del Caf S.A.
18/ A partir de esta fecha, Banco Industrial S.A se fusiona por absorcin con Banco de Occidente
19/ En este mes se suspendieron operaciones del Banco del Comercio S.A.
20/ En este mes iniciaron las operaciones del Banco Azteca
21/ Banco Industrial, absorbi las operaciones de Banco del Quetzal
22/ Banco Cuscatln se fusion con Banco Uno y se crea "Banco Citibank de Guatemala"

GUATEMALA: INDICADORES BASICOS DEL

DATOS EN MILLONES DE Q
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

26,365
25,748
25,925
25,243
26,148
26,227
26,832
25,409
26,374
31,678
32,386
31,154
32,761
29,967
29,472
28,974
28,588
27,025
27,986
26,680
27,289
25,742
25,702
25,064
25,559
24,327
24,614
24,579
24,791
25,324
26,043
25,909
25,770
26,597
26,809
28,126
29,263
28,800

13,668
13,876
14,226
15,154
14,257
14,906
14,001
15,672
15,267
15,866
14,832
16,741
14,847
14,952
16,513
15,184
15,668
17,621
16,833
16,800
16,654
16,392
16,570
18,078
17,982
17,562
17,966
17,266
18,207
18,621
18,004
18,755
19,006
19,358
19,611
19,197
20,403
20,767

45,003
46,014
46,977
47,822
48,511
49,602
50,484
51,612
52,618
49,410
51,198
51,742
53,143
55,222
56,570
57,548
58,626
60,277
61,714
62,669
64,565
66,444
68,424
70,155
70,824
71,208
71,491
71,703
72,074
72,755
72,942
73,326
73,722
74,743
75,670
76,135
76,247
76,071

45,003
45,509
45,998
46,454
46,865
47,321
47,773
48,253
48,738
48,805
49,023
49,249
53,143
54,183
54,978
55,621
56,222
56,898
57,586
58,221
58,926
59,678
60,473
61,280
70,824
71,016
71,174
71,307
71,460
71,676
71,857
72,040
72,227
72,479
72,769
73,049
76,247
76,159

1,146
1,255
1,221
1,248
1,268
1,232
1,237
1,262
1,240
1,327
1,418
1,202
1,274
1,261
1,317
1,264
1,347
1,290
1,378
1,279
1,216
1,217
1,268
1,111
2,115
2,017
2,067
2,137
1,970
1,878
1,838
1,908
1,927
2,018
2,064
1,789
1,960
2,024

989
1,057
1,080
1,104
1,142
1,164
1,206
1,232
1,254
1,225
1,276
1,135
1,171
1,161
1,209
1,288
1,287
1,326
1,429
1,167
1,210
1,219
1,266
1,172
1,243
1,234
1,221
1,325
1,231
1,333
1,275
1,263
1,279
1,314
1,317
1,309
1,361
1,448

82,801
83,208
84,547
85,787
86,541
87,753
88,425
89,345
90,954
93,571
94,891
97,011
97,372
96,618
98,510
97,703
98,666
100,891
102,140
101,939
104,121
104,459
105,772
107,504
108,834
107,769
108,669
107,929
109,395
110,847
110,986
111,520
112,717
114,070
115,972
117,350
120,071
119,589

29,959
29,970
30,002
31,249
30,909
29,272
30,838
29,957
31,153
31,324
33,203
32,810
33,472
33,480
35,227
34,496
35,663
37,606
37,523
36,636
37,841
38,849
39,307
40,650
41,848
42,863
42,589
43,624

20,760
20,311
21,531
20,632
21,143
22,844
21,818
23,364
23,132
23,581
23,600
24,444
22,833
24,068
23,019
25,646
24,350
23,635
24,287
24,792
22,767
24,572
25,042
23,968
24,632
24,677
24,753
25,707

76,260
76,129
76,061
76,448
76,736
76,984
77,183
77,287
77,596
77,889
77,806
77,020
76,683
77,225
77,430
77,740
77,511
77,681
78,416
79,118
80,640
82,243
82,397
82,674
83,349
83,713
84,942
85,906

76,193
76,177
76,154
76,203
76,279
76,367
76,458
76,541
76,637
76,741
77,806
77,413
77,169
77,183
77,233
77,317
77,345
77,387
77,501
77,663
77,933
78,293
82,397
82,535
82,807
83,033
83,415
83,830

1,999
2,182
2,420
2,325
2,502
2,521
2,458
2,475
2,359
2,111
2,230
2,156
2,043
2,118
2,236
2,175
2,240
2,204
2,099
2,023
2,018
1,736
1,800
1,728
1,615
1,693
1,801
1,667

til (consolidacin del Agrcola Mercantil y Del Agro), Inmobiliario,

adores, Industrial, De desarrollo Rural, Del Ejrcito, Internacional, Metropolitano,

2001 se consolid con G&Tcontinental), Reformador, UNO, Corporativo,

o, Privado para el Desarrollo,

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

1,470
1,535
1,558
1,632
1,752
1,772
1,825
1,839
1,804
1,886
1,998
2,020
2,081
2,100
2,135
2,192
2,193
2,199
2,237
2,196
2,187
2,001
2,074
2,147
2,150
2,183
2,213
2,199

120,522
120,000
121,368
121,952
122,126
122,247
122,771
123,491
124,653
125,281
127,563
127,216
125,832
127,439
128,435
130,348
129,797
130,912
131,941
132,474
132,906
137,566
139,294
140,010
142,354
144,056
145,308
148,227

cartera bruta con atraso mayor a 90 das.

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

LA: INDICADORES BASICOS DEL SISTEMA BANCARIO 1/ 16/

DATOS EN MILLONES DE QUETZALES;
Depsitos

Depsitos

Totales 10/

Promedio

71,274
71,469
72,521
73,489
74,517
76,572
77,303
77,981
78,986
79,403
80,825
81,177
81,980
81,289
82,700
82,946
83,574
84,967
86,753
86,593
88,124
87,747
88,233
89,378
90,077
89,041
90,301
89,125
90,484
90,856
92,160
92,441
93,458
95,218
96,911
99,479
101,250
101,064

71,274
71,372
71,755
72,188
72,654
73,307
73,878
74,391
74,901
75,351
75,849
76,293
81,980
81,634
81,990
82,229
82,498
82,909
83,459
83,850
84,325
84,667
84,992
85,357
90,077
89,559
89,806
89,636
89,806
89,981
90,292
90,560
90,882
91,316
91,825
92,462
101,250
101,157

Patrimonio 11/

7,393
7,573
8,083
8,048
8,311
8,942
9,126
9,261
9,504
8,985
8,780
8,688
8,528
8,861
9,177
9,318
9,500
9,729
9,938
9,985
10,144
10,454
10,593
10,888
11,084
11,060
11,267
11,371
11,589
11,828
11,925
12,584
12,774
13,254
13,457
13,428
13,260
13,221

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

7,393
7,483
7,683
7,774
7,882
8,058
8,211
8,342
8,471
8,523
8,546
8,558
8,528
8,695
8,856
8,971
9,077
9,186
9,293
9,379
9,464
9,563
9,657
9,760
11,084
11,072
11,137
11,195
11,274
11,367
11,446
11,588
11,720
11,874
12,018
12,135
13,260
13,241

5,667
5,844
6,807
6,100
6,152
6,395
6,421
6,424
6,500
6,190
6,058
6,013
6,089
6,432
6,935
6,950
7,075
7,080
7,127
7,157
7,180
7,185
7,189
7,218
7,891
8,286
8,288
8,302
8,311
8,311
8,243
8,387
8,386
8,386
8,384
8,380
8,776
9,405

7,723
1,050
1,672
2,544
3,412
4,316
5,182
6,055
6,959
7,887
8,822
9,829
10,943
1,059
2,098

498
988
1,536
2,037
2,606
3,148
3,718
4,298
6,291
6,455
6,966
6,043
595
1,160
1,798
2,401
3,046
3,676
4,409
6,441
7,369
8,286
9,222
10,245
939
1,840
2,797
3,749
4,735
5,685
6,642
7,630
8,642
9,662
9,950
11,075
783
1,558

102,220
102,099
103,300
104,312
105,805
106,094
105,763
107,216
108,387
109,385
112,003
111,354
110,895
112,513
113,256
114,889
115,325
116,536
116,442
117,556
117,998
121,210
122,903
122,620
124,946
126,206
125,741
127,465

101,511
101,658
101,986
102,374
102,864
103,268
103,545
103,912
104,319
104,741
112,003
111,679
111,418
111,691
112,004
112,485
112,891
113,346
113,690
114,077
114,433
114,998
122,903
122,762
123,490
124,169
124,483
124,980

13,538
13,653
13,877
13,856
14,050
14,284
14,373
14,548
14,745
14,693
14,417
14,378
14,406
14,596
14,794
14,995
15,210
15,477
15,778
15,796
15,989
15,742
15,166
14,936
14,897
14,852
14,789
14,951

13,340
13,418
13,510
13,568
13,636
13,717
13,790
13,866
13,946
14,008
14,417
14,397
14,400
14,449
14,518
14,598
14,685
14,784
14,894
14,985
15,076
15,131
15,166
15,051
15,000
14,963
14,928
14,932

9,513
9,473
9,657
9,283
9,276
9,267
9,122
9,235
9,226
9,285
9,779
10,098
10,276
10,284
10,297
10,338
10,340
10,341
10,410
10,210
10,210
10,185
10,379
11,039
11,310
11,036
11,025
11,047

3,232
4,307
5,420
6,519
7,670
8,783
9,858
10,971
12,097
13,282
1,104
2,187
3,379
4,479
5,627
6,758
7,929
9,089
10,246
11,423
12,606
13,855
1,169
2,310
3,534
4,732
6,008
7,371

2,405
3,207
4,040
4,870
5,724
6,551
7,361
8,189
9,044
9,953
816
1,602
2,479
3,278
4,123
4,947
5,799
6,642
7,480
8,319
9,163
10,105
821
1,650
2,531
3,388
4,261
5,174

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

Depsitos 14/

anualizado

nistrativo 15/

anualizado

antes ISR 16/

2,792
413
682
1,037
1,380
1,736
2,083
2,437
2,818
3,182
3,565
3,958
4,378
420
827

191
368
565
761
969
1,177
1,391
1,608
2,505
2,658
2,876
2,329
224
432
663
890
1,127
1,361
1,607
2,591
2,976
3,338
3,705
4,111
374
719
1,092
1,451
1,825
2,191
2,564
2,967
3,351
3,753
4,027
4,453
375
723

2,296
2,209
2,261
2,282
2,327
2,353
2,384
2,412
3,340
3,189
3,137
2,329
2,689
2,593
2,652
2,669
2,704
2,722
2,755
3,887
3,968
4,005
4,042
4,111
4,482
4,314
4,368
4,354
4,381
4,382
4,395
4,450
4,468
4,504
4,394
4,453
4,496
4,335

321
644
1,016
1,339
1,708
2,067
2,450
2,823
3,184
3,195
3,405
3,811
486
948
1,458
1,964
2,481
2,316
2,801
3,095
3,506
3,983
4,444
5,030
385
784
1,190
1,600
2,031
2,454
2,893
3,337
3,790
4,235
4,464
4,994
440
917

3,851
3,861
4,066
4,016
4,099
4,134
4,199
4,235
4,246
3,834
3,714
3,811
5,826
5,686
5,832
5,891
5,954
4,632
4,801
4,642
4,674
4,780
4,848
5,030
4,619
4,707
4,759
4,801
4,875
4,908
4,959
5,006
5,054
5,082
4,870
4,994
5,280
5,499

168
301
452
580
733
902
1,024
1,160
1,318
1,318
1,427
1,613
203
374
604
746
930
1,056
1,224
1,486
1,711
1,872
2,062
2,229
246
472
733
988
1,261
1,522
1,782
1,999
2,238
2,470
2,493
2,684
299
543

5,980
5,926
6,144
6,112
6,255
6,295
6,373
6,448
8,388
7,746
7,599
6,043
7,141
6,960
7,192
7,202
7,311
7,351
7,558
9,662
9,825
9,943
10,060
10,245
11,272
11,043
11,187
11,246
11,365
11,369
11,387
11,445
11,523
11,594
10,855
11,075
9,393
9,347

9,621
9,622
9,696
9,739
9,812
9,827
9,815
9,827
9,867
9,953
9,797
9,610
9,916
9,834
9,895
9,894
9,942
9,963
9,973
9,983
9,996
10,105
9,856
9,899
10,123
10,165
10,227
10,348

1,271
1,698
2,149
2,592
3,037
3,493
3,892
4,340
4,771
5,254
440
862
1,318
1,763
2,211
2,651
3,106
3,566
4,002
4,482
4,916
5,370
453
868
1,333
1,784
2,287
2,836

1,116
1,493
1,889
2,282
2,674
3,073
3,435
3,836
4,216
4,611
394
761
1,158
1,542
1,935
2,317
2,713
3,108
3,495
3,889
4,266
4,663
398
756
1,157
1,545
1,983
2,470

4,464
4,479
4,534
4,564
4,584
4,610
4,580
4,603
4,599
4,611
4,725
4,563
4,633
4,625
4,644
4,634
4,651
4,663
4,660
4,666
4,654
4,663
4,781
4,535
4,629
4,634
4,759
4,941

1,391
1,854
2,335
2,820
3,322
3,825
4,312
4,818
5,340
5,935
483
1,001
1,532
2,035
2,545
3,037
3,560
4,098
4,617
5,109
5,640
6,263
549
1,104
1,683
2,257
2,842
3,453

5,562
5,562
5,603
5,639
5,695
5,738
5,749
5,781
5,825
5,935
5,802
6,007
6,130
6,104
6,109
6,074
6,103
6,146
6,156
6,130
6,152
6,263
6,585
6,625
6,733
6,772
6,822
6,905

836
1,053
1,293
1,544
1,796
2,026
2,275
2,487
2,691
2,846
227
451
750
980
1,231
1,493
1,771
2,035
2,328
2,599
2,890
3,217
258
531
897
1,223
1,549
1,915

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Utilid. a/ISR

Nmero

anualizado

Bancos

2,021
1,808
1,809
1,741
1,759
1,803
1,755
1,741
1,757
1,582
1,557
1,613
2,430
2,243
2,415
2,238
2,233
2,111
2,099
2,229
2,282
2,246
2,250
2,229
2,958
2,829
2,933
2,965
3,025
3,044
3,055
2,998
2,984
2,964
2,720
2,684
3,593
3,259

26
26
26
26
26
26
26
26
26
25
24
24
23
23
23
23
24
22
22
22
22
22
22
21
21
21
20
20
20
20
20
20
20
20
19
19
19
19

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre 17/
Noviembre 18/
Diciembre
Enero 19/
Febrero
Marzo
Abril
Mayo20/
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo 21/
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre22/
Diciembre
Enero
Febrero

PATRI/AT

Leverage

7.9
8.1
8.5
8.3
8.5
9.0
9.1
9.1
9.2
8.5
8.2
8.1
7.8
8.2
8.3
8.5
8.6
8.5
8.6
8.7
8.6
8.9
8.9
9.0
9.0
9.1
9.2
9.3
9.3
9.4
9.4
9.9
9.9
10.1
10.1
10.0
9.7
9.7

15.1
14.8
12.9
14.5
14.6
14.2
14.3
14.4
14.5
15.6
16.2
16.4
16.5
15.5
14.6
14.5
14.4
14.7
14.8
14.7
14.9
15.0
15.2
15.3
14.2
13.4
13.5
13.4
13.5
13.7
13.9
13.7
13.8
14.1
14.2
14.4
14.1
13.1

3,343
3,160
3,104
3,088
3,079
3,039
3,034
2,984
2,936
2,846
2,728
2,704
2,999
2,941
2,955
2,987
3,037
3,052
3,103
3,119
3,153
3,217
3,098
3,186
3,589
3,668
3,717
3,830

19
19
19
19
19
19
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

9.8
10.0
10.0
9.9
10.0
10.2
10.2
10.2
10.3
10.2
9.9
9.9
10.0
10.0
10.0
10.0
10.2
10.2
10.3
10.3
10.4
10.0
9.5
9.3
9.2
9.1
9.0
8.9

13.0
13.0
12.9
13.5
13.6
13.6
13.9
13.8
13.9
13.9
13.5
13.0
12.7
12.8
12.9
13.1
13.0
13.1
13.1
13.4
13.5
14.0
13.9
13.1
13.0
13.5
13.6
13.9

DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT
5. Prov/CV

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total
= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT
10. UT/PATRp

= Activo Total/Nmero Entidades (Mill de US$)

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

GUATEMALA: INDICADORES FINANCIEROS

PORCENTAJES

CV-Prov/Kpri

CV/CrT

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

2.8
3.4
2.1
2.4
2.0
1.1
0.5
0.5
(0.2)
1.6
2.3
1.1
1.7
1.6
1.6
(0.3)
0.9
(0.5)
(0.7)
1.6
0.1
(0.0)
0.0
(0.8)
11.1
9.5
10.2
9.8
8.9
6.6
6.8
7.7
7.7
8.4
8.9
5.7
6.8
6.1

2.5
2.7
2.6
2.6
2.6
2.5
2.4
2.4
2.4
2.7
2.8
2.3
2.4
2.3
2.3
2.2
2.3
2.1
2.2
2.0
1.9
1.8
1.9
1.6
3.0
2.8
2.9
3.0
2.7
2.6
2.5
2.6
2.6
2.7
2.7
2.3
2.6
2.7

86.4
84.2
88.4
88.5
90.1
94.5
97.5
97.6
101.1
92.3
90.0
94.4
91.9
92.0
91.8
101.9
95.5
102.8
103.7
91.3
99.5
100.2
99.8
105.5
58.7
61.2
59.1
62.0
62.5
71.0
69.4
66.2
66.4
65.1
63.8
73.2
69.4
71.5

158.4
155.3
154.4
153.7
153.6
154.4
153.1
151.1
150.1
160.7
157.9
156.9
154.3
147.2
146.2
144.1
142.6
141.0
140.6
138.2
136.5
132.1
129.0
127.4
127.2
125.0
126.3
124.3
125.5
124.9
126.3
126.1
126.8
127.4
128.1
130.7
132.8
132.9

48.3
49.1
49.1
49.4
49.6
49.7
50.2
50.7
50.8
46.8
48.0
48.2
48.8
50.9
51.1
52.2
52.8
53.0
53.5
54.5
55.0
56.3
57.2
57.7
57.5
58.4
58.1
58.5
58.0
57.7
57.8
57.5
57.2
56.9
56.9
56.8
55.8
55.8

4.1
4.1
4.3
4.2
4.3
4.3
4.3
4.3
4.3
3.9
3.7
3.8
5.4
5.2
5.3
5.4
5.4
4.2
4.3
4.2
4.2
4.2
4.3
4.4
3.8
3.8
3.9
3.9
4.0
4.0
4.0
4.0
4.0
4.1
3.9
3.9
3.9
4.0

471.4
474.6
484.2
491.3
496.0
504.4
511.3
515.4
522.8
555.2
581.5
588.8
613.5
610.6
625.7
624.1
604.2
669.6
682.6
679.6
687.4
697.7
707.3
758.4
753.5
753.6
808.3
818.9
835.4
834.8
849.4
856.3
862.3
867.4
909.5
906.1
904.4
890.7

5.6
6.8
8.9
7.5
8.1
8.1
6.9
6.9
6.0
2.4
2.4
1.3
(0.4)
0.2
1.0
(0.2)
0.5
0.1
(1.3)
(1.7)
(1.7)
(2.6)
(2.6)
(3.8)
(4.7)
(4.4)
(3.7)
(4.8)

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

trativo anualizado/Activo total promedio

2.6
2.9
3.2
3.0
3.3
3.3
3.2
3.2
3.0
2.7
2.9
2.8
2.7
2.7
2.9
2.8
2.9
2.8
2.7
2.6
2.5
2.1
2.2
2.1
1.9
2.0
2.1
1.9

73.6
70.4
64.4
70.2
70.0
70.3
74.2
74.3
76.5
89.3
89.6
93.7
101.8
99.2
95.5
100.8
97.9
99.8
106.6
108.6
108.4
115.3
115.2
124.2
133.1
128.9
122.9
131.9

134.0
134.1
135.8
136.4
137.9
137.8
137.0
138.7
139.7
140.4
144.0
144.6
144.6
145.7
146.3
147.8
148.8
150.0
148.5
148.6
146.3
147.4
149.2
148.3
149.9
150.8
148.0
148.4

55.5
55.5
54.8
54.8
54.8
54.8
54.7
54.4
54.1
54.1
53.2
52.8
53.0
52.7
52.4
51.8
51.8
51.4
51.4
51.7
52.5
52.1
51.8
51.8
51.4
51.1
51.5
51.1

4.1
4.1
4.1
4.1
4.1
4.1
4.1
4.2
4.2
4.2
4.0
4.1
4.2
4.2
4.2
4.1
4.1
4.2
4.2
4.1
4.1
4.2
4.1
4.2
4.2
4.2
4.2
4.2

892.0
890.9
899.8
900.9
894.3
892.7
939.8
949.3
957.7
958.1
974.7
993.2
1,006.3
1,014.6
1,026.1
1,037.4
1,036.9
1,040.7
1,041.3
1,057.0
1,068.9
1,094.2
1,122.3
1,137.7
1,171.3
1,201.5
1,176.5
1,202.5

mero Entidades (Mill de US$)

de impuesto sobre renta/Patrimonio Promedio (ROE)

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

27.3
24.2
23.5
22.4
22.3
22.4
21.4
20.9
20.7
18.6
18.2
18.9
28.5
25.8
27.3
24.9
24.6
23.0
22.6
23.8
24.1
23.5
23.3
22.8
26.7
25.6
26.3
26.5
26.8
26.8
26.7
25.9
25.5
25.0
22.6
22.1
27.1
24.6

2.2
1.9
1.9
1.8
1.8
1.9
1.8
1.8
1.8
1.6
1.6
1.6
2.2
2.1
2.2
2.0
2.0
1.9
1.9
2.0
2.0
2.0
2.0
2.0
2.4
2.3
2.4
2.4
2.5
2.5
2.5
2.4
2.4
2.4
2.2
2.1
2.6
2.4

10.1
9.9
10.2
10.0
10.1
10.1
10.1
10.1
12.8
11.6
11.4
9.2
10.2
9.7
9.8
9.7
9.7
9.6
9.8
12.0
12.0
11.9
11.9
11.9
10.9
10.7
10.9
10.9
11.0
11.0
11.0
11.0
11.0
11.1
10.1
10.3
7.9
8.0

48.3
47.6
47.5
47.1
46.7
46.9
46.2
46.0
45.8
50.8
49.8
49.4
48.9
46.5
46.7
45.2
44.9
44.3
43.9
42.7
42.2
40.3
40.0
40.1
40.0
38.9
39.2
38.8
39.3
39.6
39.7
40.1
39.7
40.3
40.0
40.3
41.4
41.4

25.1
23.6
23.0
22.8
22.6
22.2
22.0
21.5
21.1
20.3
18.9
18.8
20.8
20.4
20.4
20.5
20.7
20.6
20.8
20.8
20.9
21.3
20.4
21.2
23.9
24.5
24.9
25.7

2.4
2.3
2.3
2.2
2.2
2.2
2.2
2.1
2.1
2.0
1.9
1.9
2.1
2.0
2.0
2.0
2.1
2.1
2.1
2.1
2.1
2.1
1.9
2.0
2.2
2.3
2.3
2.3

8.2
8.2
8.3
8.3
8.4
8.4
8.4
8.4
8.5
8.6
8.4
8.3
8.7
8.6
8.7
8.7
8.7
8.8
8.8
8.8
8.8
8.9
8.1
8.3
8.5
8.5
8.4
8.4

42.1
41.9
42.5
42.5
42.6
42.6
42.9
43.2
43.5
43.8
44.5
45.0
44.7
45.2
45.4
46.1
46.2
46.8
46.8
46.4
45.6
46.1
46.2
46.2
46.7
46.9
46.3
46.8

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero 17/
Febrero
Marzo 18/
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto19/
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio 3/

Millones US$

Por Riesgo

112,513
114,543
118,217
122,206
122,127
125,791
125,690
129,582
131,020
132,037
133,249
137,399
137,702
141,586
144,264
147,194
147,480
151,517
152,142
154,641
158,677
159,754
162,759
167,159
166,649
172,170
175,468
178,049
177,464
181,254
180,139
180,149
180,279
180,984
182,345
184,330
183,929
186,272

112,513
113,528
115,091
116,870
117,921
119,233
120,155
121,334
122,410
123,373
124,271
125,365
137,702
139,644
141,184
142,686
143,645
144,957
145,983
147,066
148,356
149,496
150,701
152,073
166,649
169,410
171,429
173,084
173,960
175,176
175,885
176,418
176,847
177,260
177,723
178,273
183,929
185,101

19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.04
19.04
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03

5,913
6,020
6,213
6,423
6,419
6,611
6,606
6,810
6,886
6,939
7,003
7,221
7,237
7,441
7,582
7,736
7,751
7,963
7,996
8,127
8,340
8,396
8,554
8,785
8,758
9,049
9,221
9,352
9,320
9,524
9,467
9,468
9,475
9,512
9,583
9,688
9,667
9,790

70,727
76,500
78,978
81,404
82,535
84,147
84,896
87,166
89,975
92,707
95,061
97,110
98,862
100,662
102,840
104,752
105,985
108,134
109,945
113,269
116,497
118,976
122,024
124,191
126,872
130,128
131,006
133,244
133,965
135,811
137,165
138,673
139,880
140,372
140,793
138,856
137,855
138,839

2010

2011

Prelim.

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

186,931
190,046
190,440
190,353
185,832
185,197
187,100
188,096
190,767
192,853
194,297
197,101
200,318
200,009
200,555
203,673
204,165
202,796
202,438
203,629
204,719
210,809
214,002
219,032
221,266
226,009
225,552
229,721

185,711
186,795
187,524
187,995
187,686
187,375
187,344
187,420
187,724
188,151
194,297
195,699
197,239
197,932
198,456
199,326
200,017
200,364
200,595
200,898
201,245
202,042
214,002
216,517
218,100
220,077
221,172
222,597

19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.03
19.01
19.03
19.03
19.03
19.03
19.03
19.03
19.03

9,824
9,988
10,009
10,004
9,767
9,733
9,833
9,886
10,026
10,136
10,212
10,359
10,528
10,512
10,540
10,704
10,730
10,658
10,639
10,702
10,769
11,079
11,248
11,511
11,629
11,878
11,854
12,073

138,476
138,401
138,871
142,694
144,942
143,048
143,696
145,116
145,233
143,705
144,369
144,143
145,742
145,647
144,945
141,663
141,537
138,823
141,630
142,644
144,307
145,648
148,204
148,130.62
148,620
149,020
149,636
151,616

FUENTE: COMISION NACIONAL DE BANCOS Y SEGUROS DE HONDURAS.

NOTAS:
1/ Incluye los siguientes Bancos: Atlntida, De Honduras, De Occidente, Lloyd's Bank PLC, Grupo El Ahorro Hondureo,
de los Trabajadores, Continental, del Comercio, Financiera Centroamericana, Sogern, de las Fuerzas
Armadas, Mercantil, Hondureo del Caf, del Pas, De la Exportacin, de Crdito y Servicio, de la Produccin,
Financiera Comercial, Capital, Futuro y Credomtic y Promrica (a partir de enero 2001).
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.
6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.

7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.
9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.
17/ Se autoriza la entrada del Banco Azteca S.A.
18/ Se autoriza la entrada del Banco Procredit S.A.
19/ En agosto inici operaciones Banco Citibank de Honduras como resultado de la fusin de Banco Cuscatln y Banco Uno.

HONDURAS: INDICADORES BASICOS DE

DATOS EN MILLONES DE
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

27,335
29,640
31,118
32,722
31,353
33,141
32,451
31,800
30,244
28,275
27,191
27,346
27,672
27,913
28,249
28,222
27,215
27,596
25,771
26,539
26,106
25,420
24,985
24,120
24,328
24,877
25,991
26,997
26,067
26,986
26,919
25,351
24,040
24,933
26,666
26,660
24,386
25,381

14,827
14,062
14,406
14,738
14,340
15,385
15,072
15,496
16,554
16,752
16,807
18,937
16,399
17,879
17,739
18,609
18,424
20,180
19,987
18,856
20,212
19,591
20,044
23,769
20,171
21,957
23,061
22,757
22,013
22,983
21,123
21,680
21,387
21,048
20,254
22,402
24,067
25,484

61,292
61,648
63,615
65,488
67,252
68,041
68,976
72,872
74,562
77,377
79,708
81,605
84,108
86,053
88,436
90,720
92,367
93,981
96,559
99,318
102,198
104,458
107,472
109,164
111,728
114,349
115,339
117,301
118,783
120,345
121,225
121,966
123,372
123,527
123,647
123,732
123,443
123,197

61,292
61,470
62,185
63,011
63,859
64,556
65,187
66,148
67,083
68,112
69,166
70,203
84,108
85,080
86,199
87,329
88,337
89,277
90,318
91,443
92,638
93,820
95,061
96,236
111,728
113,038
113,805
114,679
115,500
116,307
117,010
117,629
118,267
118,793
119,235
119,609
123,443
123,320

3,834
3,814
3,718
3,885
3,817
3,771
3,968
3,961
3,896
4,182
4,027
3,388
3,683
3,813
3,659
3,920
4,075
3,809
3,942
4,009
4,094
4,255
4,331
3,511
3,915
3,871
4,198
4,586
4,888
4,471
4,936
5,252
5,352
5,874
6,530
5,635
6,576
7,138

2,181
2,230
2,264
2,375
2,352
2,378
2,447
2,636
2,679
2,732
2,573
2,592
2,659
2,756
2,814
3,114
3,075
3,113
3,179
3,181
3,188
3,260
2,901
2,887
2,936
3,024
3,172
3,401
3,418
3,405
3,496
3,600
3,594
3,754
3,922
4,408
4,555
4,782

101,774
103,674
107,075
110,911
110,750
114,161
113,888
117,512
118,750
119,531
120,512
124,175
124,281
127,971
130,406
133,432
133,377
136,980
137,115
139,398
143,269
144,119
146,638
150,839
150,080
155,024
158,022
160,299
159,477
162,954
161,655
161,401
161,214
161,530
162,744
164,389
163,798
166,277

26,044
24,973
26,373
28,002
28,273
30,726
30,913
31,309
31,864
32,942
34,484
36,353
36,196
40,104
40,063
44,605
45,143
45,247
44,186
43,789
43,696
44,267
47,944
51,287
54,777
55,248
58,153
61,456

25,540
30,177
29,071
26,686
21,282
19,114
20,237
20,056
21,017
21,625
21,300
22,170
24,832
20,249
21,080
20,199
19,903
19,425
19,375
19,251
18,722
22,028
20,676
22,100
20,175
24,612
21,144
20,781

123,114
123,022
122,967
123,115
123,973
122,770
122,932
123,673
124,594
125,188
124,844
124,814
125,528
125,980
125,974
124,990
124,781
124,191
124,719
126,239
127,605
130,390
124,427
124,677
125,434
124,719
124,806
125,659

123,251
123,194
123,149
123,143
123,262
123,200
123,170
123,221
123,345
123,499
124,844
124,829
125,062
125,291
125,428
125,355
125,273
125,138
125,091
125,206
125,424
125,838
124,427
124,552
124,846
124,814
124,813
124,954

7,104
8,209
7,810
7,850
8,207
7,676
7,629
7,840
7,702
6,189
6,389
6,408
6,207
6,478
6,406
6,207
5,788
5,953
6,096
6,243
5,784
4,968
5,275
5,150
5,009
5,636
5,514
4,833

C, Grupo El Ahorro Hondureo,

vicio, de la Produccin,

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

cartera bruta con atraso mayor a 90 das.

4,886
5,092
5,096
5,111
5,271
4,755
4,692
4,820
4,815
4,868
4,849
4,900
4,841
4,895
4,960
4,904
4,961
4,953
4,933
5,134
5,051
5,301
5,348
5,393
5,350
5,698
5,715
5,635

166,779
170,008
170,346
170,016
165,786
164,982
166,743
167,524
170,479
171,618
172,874
175,772
178,867
178,573
178,756
181,506
181,844
180,300
179,758
180,878
181,949
187,877
190,871
196,007
198,085
202,819
202,141
206,023

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

de Banco Cuscatln y Banco Uno.

AS: INDICADORES BASICOS DEL SISTEMA BANCARIO 1/

DATOS EN MILLONES DE LEMPIRAS
Depsitos

Depsitos

Totales 10/

Promedio

80,578
81,844
85,038
87,659
88,138
90,586
91,269
93,470
93,527
94,101
95,518
98,719
99,030
102,189
104,114
104,516
106,623
109,172
109,589
110,459
112,196
113,481
114,944
119,484
117,921
121,908
124,477
124,270
125,205
127,623
127,341
125,713
123,689
124,552
124,762
126,761
126,487
128,087

80,578
81,211
82,487
83,780
84,651
85,640
86,445
87,323
88,012
88,621
89,248
90,037
99,030
100,609
101,778
102,462
103,294
104,274
105,033
105,712
106,432
107,137
107,847
108,816
117,921
119,914
121,435
122,144
122,756
123,567
124,106
124,307
124,238
124,270
124,315
124,518
126,487
127,287

Patrimonio 11/

10,739
10,870
11,142
11,295
11,377
11,630
11,802
12,070
12,270
12,507
12,738
13,224
13,421
13,614
13,857
13,762
14,103
14,538
15,027
15,243
15,409
15,635
16,121
16,320
16,569
17,146
17,446
17,751
17,988
18,300
18,483
18,748
19,065
19,453
19,601
19,942
20,131
19,996

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

10,739
10,804
10,917
11,012
11,085
11,175
11,265
11,366
11,466
11,570
11,676
11,805
13,421
13,517
13,631
13,664
13,751
13,882
14,046
14,196
14,330
14,461
14,612
14,754
16,569
16,858
17,054
17,228
17,380
17,533
17,669
17,804
17,944
18,095
18,232
18,374
20,131
20,063

7,569
7,569
7,652
7,656
7,896
8,141
8,241
8,241
8,268
8,282
8,308
8,660
8,661
8,661
8,751
9,156
9,306
9,904
10,154
10,154
10,387
10,387
10,670
10,835
10,887
11,272
11,272
12,056
12,187
12,434
12,687
12,692
13,022
13,117
13,117
13,164
13,166
13,186

973
1,938
2,987
4,032
5,092
6,175
7,234
8,290
9,386
10,485
11,671
12,928
1,172
2,354
3,564
4,803
6,089
7,420
8,757
10,131
11,547
12,994
14,457
16,046
1,550
3,161
4,818
6,244
7,959
9,653
11,466
12,725
14,631
16,670
18,682
20,928
2,112
4,123

708
1,413
2,164
2,914
3,671
4,431
5,191
5,951
6,748
7,562
8,455
9,387
910
1,828
2,767
3,744
4,742
5,782
6,841
7,937
9,080
10,250
11,444
12,745
1,278
2,626
4,006
5,116
6,556
8,037
9,575
10,696
12,331
14,017
15,740
17,656
1,841
3,617

129,157
130,243
132,448
130,657
127,342
126,300
125,593
127,288
128,148
130,593
131,587
134,071
136,285
133,793
135,647
136,877
138,135
136,921
134,233
136,028
137,487
141,861
141,825
145,296
147,615
151,591
153,452
155,552

127,910
128,494
129,285
129,513
129,203
128,840
128,479
128,360
128,341
128,529
131,587
132,829
133,981
133,934
134,276
134,710
135,199
135,415
135,283
135,358
135,551
136,077
141,825
143,560
144,912
146,582
147,956
149,222

20,153
20,039
20,094
20,337
20,046
20,215
20,357
20,572
20,714
21,234
21,424
21,329
21,451
21,437
21,799
22,167
22,321
22,497
22,679
22,751
22,770
22,932
23,131
23,026
23,181
23,191
23,411
23,698

20,093
20,079
20,082
20,125
20,114
20,126
20,152
20,194
20,241
20,324
21,424
21,377
21,401
21,410
21,488
21,601
21,704
21,803
21,900
21,985
22,057
22,130
23,131
23,078
23,112
23,132
23,188
23,273

13,220
13,370
13,420
14,051
14,051
14,127
14,127
14,556
14,556
15,390
15,394
15,395
15,466
16,067
16,341
16,746
16,746
16,747
16,747
16,773
17,491
17,491
17,494
17,523
17,598
17,698
17,244
17,998

6,152
8,034
9,907
11,821
13,727
15,629
17,596
19,510
21,450
23,474
1,962
3,912
5,902
7,948
9,986
12,035
14,669
16,017
18,397
20,006
21,482
22,888
1,993
3,994
6,069
8,117
10,212
12,346

5,163
7,070
8,738
10,393
12,087
13,769
15,493
17,208
18,925
20,727
1,737
3,440
5,160
6,922
8,691
10,432
12,586
13,830
15,848
17,237
18,435
19,608
1,766
3,539
5,349
7,127
8,941
10,780

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

Depsitos 14/

anualizado

nistrativo 15/

anualizado

antes ISR 16/

8,497
8,477
8,657
8,742
8,810
8,863
8,899
8,926
8,997
9,074
9,223
9,387
10,918
10,969
11,068
11,233
11,381
11,564
11,727
11,906
12,106
12,300
12,485
12,745
15,330
15,754
16,023
15,349
15,735
16,074
16,414
16,043
16,442
16,821
17,171
17,656
22,095
21,705

431
864
1,320
1,779
2,246
2,693
3,133
3,568
4,013
4,441
4,881
5,341
472
947
1,435
1,932
2,441
2,968
3,514
4,080
4,660
5,264
5,884
6,520
654
1,336
2,050
2,697
3,472
4,152
4,946
5,613
6,440
7,312
8,210
9,164
997
1,963

312
628
964
1,302
1,636
1,955
2,273
2,582
2,891
3,192
3,492
3,796
312
625
947
1,273
1,603
1,938
2,282
2,631
2,988
3,354
3,721
4,102
387
788
1,205
1,549
1,982
2,419
2,867
3,189
3,649
4,126
4,621
5,146
548
1,108

3,746
3,768
3,855
3,906
3,926
3,911
3,896
3,873
3,855
3,830
3,809
3,796
3,741
3,750
3,787
3,820
3,848
3,876
3,912
3,947
3,983
4,024
4,059
4,102
4,650
4,726
4,819
4,647
4,756
4,838
4,915
4,783
4,865
4,951
5,042
5,146
6,581
6,647

515
1,055
1,587
2,133
2,682
3,246
3,838
4,438
5,044
5,654
6,294
7,105
643
1,279
1,935
2,579
3,249
3,949
4,635
5,369
6,111
6,890
7,670
8,649
764
1,572
2,383
3,076
3,928
4,834
5,736
6,231
7,193
8,183
9,190
10,849
1,081
2,073

6,182
6,331
6,349
6,398
6,436
6,491
6,579
6,657
6,725
6,785
6,867
7,105
7,714
7,673
7,739
7,737
7,796
7,897
7,946
8,053
8,148
8,268
8,368
8,649
9,173
9,432
9,533
9,229
9,428
9,667
9,833
9,347
9,591
9,819
10,025
10,849
12,977
12,436

190
372
626
832
1,095
1,376
1,610
1,859
2,092
2,347
2,650
2,911
278
563
865
1,162
1,520
1,851
2,186
2,497
2,798
3,126
3,414
3,797
370
752
1,233
1,577
1,951
2,354
2,753
3,074
3,428
3,853
4,201
4,090
297
589

20,651
21,211
20,972
20,785
20,721
20,653
20,657
20,650
20,646
20,727
20,839
20,641
20,639
20,767
20,859
20,865
21,576
20,744
21,130
20,684
20,111
19,608
21,197
21,232
21,394
21,382
21,458
21,559

2,939
3,838
4,685
5,524
6,314
7,130
7,966
8,820
9,686
10,572
871
1,732
2,594
3,503
4,408
5,308
6,420
6,968
7,960
8,819
9,423
10,036
899
1,812
2,744
3,686
4,635
5,585

1,684
2,247
2,784
3,308
3,807
4,303
4,799
5,304
5,818
6,330
519
1,039
1,577
2,109
2,639
3,169
3,829
4,193
4,800
5,366
5,792
6,315
600
1,210
1,828
2,460
2,483
2,981

6,737
6,740
6,682
6,616
6,527
6,455
6,399
6,364
6,347
6,330
6,222
6,232
6,306
6,327
6,332
6,339
6,564
6,289
6,400
6,439
6,319
6,315
7,196
7,259
7,314
7,381
5,958
5,963

3,102
4,080
5,114
6,134
7,238
8,292
9,337
10,371
11,475
12,816
1,068
2,122
3,230
4,270
5,398
6,508
8,001
8,705
10,075
11,125
12,077
12,991
1,140
2,284
3,516
4,746
6,016
7,287

12,407
12,240
12,273
12,269
12,409
12,439
12,449
12,445
12,518
12,816
12,814
12,732
12,921
12,811
12,956
13,015
13,716
13,058
13,433
13,351
13,175
12,991
13,679
13,704
14,065
14,238
14,438
14,574

889
1,124
1,382
1,675
1,945
2,227
2,516
2,802
3,110
3,255
284
602
1,020
1,398
1,711
2,065
2,482
2,706
3,109
3,132
3,363
3,591
372
718
1,086
1,420
1,772
2,282

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Utilid. a/ISR

Nmero

anualizado

Bancos

2,284
2,230
2,503
2,497
2,629
2,752
2,759
2,789
2,789
2,817
2,890
2,911
3,337
3,376
3,459
3,487
3,648
3,703
3,748
3,745
3,730
3,751
3,724
3,797
4,441
4,510
4,930
4,731
4,683
4,708
4,720
4,611
4,571
4,623
4,582
4,090
3,558
3,534

16
16
16
16
16
16
16
16
16
16
16
16
17
17
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
18
17
17
17
17
17
17
17

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero 15/
Febrero
Marzo 16/
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto17/
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

9.5
9.5
9.4
9.2
9.3
9.2
9.4
9.3
9.4
9.5
9.6
9.6
9.7
9.6
9.6
9.3
9.6
9.6
9.9
9.9
9.7
9.8
9.9
9.8
9.9
10.0
9.9
10.0
10.1
10.1
10.3
10.4
10.6
10.7
10.7
10.8
10.9
10.7

13.4
13.7
14.0
14.5
14.0
14.0
13.8
14.3
14.4
14.4
14.5
14.3
14.3
14.8
14.9
14.6
14.3
13.8
13.5
13.7
13.8
13.9
13.7
13.9
13.8
13.8
14.0
13.3
13.1
13.1
12.7
12.7
12.4
12.3
12.4
12.5
12.4
12.6

3,555
3,372
3,318
3,351
3,335
3,340
3,355
3,362
3,393
3,255
3,408
3,611
4,082
4,195
4,105
4,130
4,255
4,060
4,145
3,758
3,669
3,591
4,467
4,309
4,344
4,259
4,254
4,565

17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17
17

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

10.8
10.5
10.6
10.7
10.8
10.9
10.9
10.9
10.9
11.0
11.0
10.8
10.7
10.7
10.9
10.9
10.9
11.1
11.2
11.2
11.1
10.9
10.8
10.5
10.5
10.3
10.4
10.3

12.6
12.7
12.7
12.1
11.8
11.7
11.8
11.5
11.7
11.2
11.2
11.4
11.6
11.1
10.9
10.8
10.9
10.8
10.7
10.8
10.4
10.7
10.9
11.2
11.3
11.5
11.7
11.4

DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total

5. Prov/CV

= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT

= Activo Total/Nmero Entidades (Mill de US$)

10. UT/PATRp

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

HONDURAS: INDICADORES FINANCIEROS

PORCENTAJES

CV-Prov/Kpri

CV/CrT

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

21.8
20.9
19.0
19.7
18.6
17.1
18.5
16.1
14.7
17.5
17.5
9.2
11.8
12.2
9.6
8.8
10.7
7.0
7.5
8.2
8.7
9.6
13.4
5.8
9.0
7.5
9.1
9.8
12.1
8.6
11.3
13.0
13.5
16.2
19.9
9.3
15.3
17.9

6.3
6.2
5.8
5.9
5.7
5.5
5.8
5.4
5.2
5.4
5.1
4.2
4.4
4.4
4.1
4.3
4.4
4.1
4.1
4.0
4.0
4.1
4.0
3.2
3.5
3.4
3.6
3.9
4.1
3.7
4.1
4.3
4.3
4.8
5.3
4.6
5.3
5.8

56.9
58.5
60.9
61.1
61.6
63.0
61.7
66.5
68.8
65.3
63.9
76.5
72.2
72.3
76.9
79.4
75.5
81.7
80.7
79.3
77.9
76.6
67.0
82.2
75.0
78.1
75.6
74.2
69.9
76.2
70.8
68.5
67.1
63.9
60.1
78.2
69.3
67.0

131.5
132.8
133.7
133.9
131.1
133.1
132.3
128.3
125.4
121.6
119.8
121.0
117.7
118.8
117.7
115.2
115.4
116.2
113.5
111.2
109.8
108.6
107.0
109.5
105.5
106.6
107.9
105.9
105.4
106.0
105.0
103.1
100.3
100.8
100.9
102.4
102.5
104.0

54.5
53.8
53.8
53.6
55.1
54.1
54.9
56.2
56.9
58.6
59.8
59.4
61.1
60.8
61.3
61.6
62.6
62.0
63.5
64.2
64.4
65.4
66.0
65.3
67.0
66.4
65.7
65.9
66.9
66.4
67.3
67.7
68.4
68.3
67.8
67.1
67.1
66.1

5.5
5.6
5.5
5.5
5.5
5.4
5.5
5.5
5.5
5.5
5.5
5.7
5.6
5.5
5.5
5.4
5.4
5.4
5.4
5.5
5.5
5.5
5.6
5.7
5.5
5.6
5.6
5.3
5.4
5.5
5.6
5.3
5.4
5.5
5.6
6.1
7.1
6.7

369.6
376.2
388.3
401.4
401.2
413.2
412.9
425.7
430.4
433.7
437.7
451.3
425.7
437.7
421.2
429.8
430.6
442.4
444.2
451.5
463.3
466.5
475.2
488.1
486.6
502.7
512.3
519.6
517.8
529.1
526.0
556.9
557.3
559.5
563.7
569.9
568.6
575.9

16.8
23.3
20.2
19.5
20.9
20.7
20.8
20.7
19.8
8.6
10.0
9.8
8.8
9.8
8.9
7.8
4.9
6.0
6.9
6.6
4.2
(1.9)
(0.4)
(1.4)
(1.9)
(0.4)
(1.2)
(4.5)

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

trativo anualizado/Activo total promedio

mero Entidades (Mill de US$)

5.8
6.7
6.4
6.4
6.6
6.3
6.2
6.3
6.2
4.9
5.1
5.1
4.9
5.1
5.1
5.0
4.6
4.8
4.9
4.9
4.5
3.8
4.2
4.1
4.0
4.5
4.4
3.8

68.8
62.0
65.2
65.1
64.2
61.9
61.5
61.5
62.5
78.7
75.9
76.5
78.0
75.6
77.4
79.0
85.7
83.2
80.9
82.2
87.3
106.7
101.4
104.7
106.8
101.1
103.6
116.6

104.9
105.9
107.7
106.1
102.7
102.9
102.2
102.9
102.9
104.3
105.4
107.4
108.6
106.2
107.7
109.5
110.7
110.3
107.6
107.8
107.7
108.8
114.0
116.5
117.7
121.5
123.0
123.8

65.9
64.7
64.6
64.7
66.7
66.3
65.7
65.7
65.3
64.9
64.3
63.3
62.7
63.0
62.8
61.4
61.1
61.2
61.6
62.0
62.3
61.9
58.1
56.9
56.7
55.2
55.3
54.7

6.7
6.6
6.5
6.5
6.6
6.6
6.6
6.6
6.7
6.8
6.6
6.5
6.6
6.5
6.5
6.5
6.9
6.5
6.7
6.6
6.5
6.4
6.4
6.3
6.4
6.5
6.5
6.5

577.9
587.5
588.7
588.5
574.5
572.5
578.4
581.5
589.8
596.2
600.7
609.3
619.3
618.3
620.0
629.7
631.2
626.9
625.8
629.5
633.5
651.7
661.6
677.1
684.0
698.7
697.3
710.2

de impuesto sobre renta/Patrimonio Promedio (ROE)

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

21.3
20.6
22.9
22.7
23.7
24.6
24.5
24.5
24.3
24.3
24.8
24.7
24.9
25.0
25.4
25.5
26.5
26.7
26.7
26.4
26.0
25.9
25.5
25.7
26.8
26.8
28.9
27.5
26.9
26.9
26.7
25.9
25.5
25.6
25.1
22.3
17.7
17.6

2.0
2.0
2.2
2.1
2.2
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.4
2.4
2.5
2.4
2.5
2.6
2.6
2.5
2.5
2.5
2.5
2.5
2.7
2.7
2.9
2.7
2.7
2.7
2.7
2.6
2.6
2.6
2.6
2.3
1.9
1.9

9.2
9.2
9.2
9.2
9.2
9.2
9.1
9.1
9.0
9.0
9.1
9.2
9.2
9.2
9.1
9.1
9.2
9.2
9.3
9.3
9.3
9.4
9.4
9.5
9.8
10.0
10.1
9.6
9.7
9.9
10.1
9.8
10.0
10.2
10.3
10.6
12.7
12.4

41.4
42.2
42.5
42.8
41.3
42.5
41.7
40.2
39.4
37.7
36.5
37.3
35.5
35.8
35.3
35.1
34.2
34.9
33.4
32.6
32.3
31.2
30.7
31.7
29.7
30.2
31.0
31.0
30.1
30.7
29.7
29.1
28.2
28.5
28.8
29.8
29.6
30.6

17.7
16.8
16.5
16.6
16.6
16.6
16.6
16.6
16.8
16.0
15.9
16.9
19.1
19.6
19.1
19.1
19.6
18.6
18.9
17.1
16.6
16.2
19.3
18.7
18.8
18.4
18.3
19.6

1.9
1.8
1.8
1.8
1.8
1.8
1.8
1.8
1.8
1.7
1.8
1.8
2.1
2.1
2.1
2.1
2.1
2.0
2.1
1.9
1.8
1.8
2.1
2.0
2.0
1.9
1.9
2.1

11.5
12.0
11.9
11.8
11.8
11.8
11.8
11.8
11.8
11.9
12.0
11.8
11.8
11.9
11.9
11.9
12.4
11.9
12.2
11.8
11.4
10.9
12.0
12.0
12.1
12.1
13.2
13.3

30.9
32.4
32.5
32.2
29.9
30.2
30.7
30.7
31.0
31.8
32.3
33.3
34.1
33.8
34.2
35.7
35.8
35.9
35.4
34.9
34.3
35.3
36.0
37.4
37.8
39.4
39.2
39.9

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre17/
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio 3/

Millones US$

Por Riesgo

46,000
46,809
47,185
49,228
49,043
49,471
50,277
50,903
51,862
51,801
51,412
51,648
53,411
53,287
54,162
54,331
55,429
56,129
57,136
57,313
58,308
58,742
60,283
60,316
62,507
63,882
65,458
66,766
66,130
66,748
66,862
67,248
71,891
71,376
71,411
70,445
71,445
71,994

46,000
46,404
46,665
47,306
47,653
47,956
48,288
48,614
48,975
49,258
49,454
49,637
53,411
53,349
53,620
53,797
54,124
54,458
54,840
55,150
55,501
55,825
56,230
56,570
62,507
63,194
63,949
64,653
64,948
65,248
65,479
65,700
66,388
66,887
67,298
67,560
71,445
71,720

17.22
17.28
17.35
17.42
17.50
17.57
17.64
17.71
17.78
17.86
17.93
18.00
18.08
18.15
18.22
18.29
18.37
18.44
18.52
18.60
18.67
18.75
18.82
18.90
18.98
19.05
19.13
19.21
19.29
19.37
19.45
19.53
19.61
19.69
19.76
19.85
20.12
20.16

2,672
2,709
2,719
2,826
2,803
2,816
2,850
2,874
2,916
2,901
2,868
2,869
2,955
2,937
2,973
2,970
3,017
3,043
3,085
3,082
3,123
3,133
3,202
3,191
3,293
3,353
3,421
3,476
3,428
3,446
3,438
3,444
3,667
3,625
3,613
3,549
3,551
3,571

44,356
44,341

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

72,051
72,281
72,673
74,267
74,977
75,262
75,852
76,343
76,703
78,630
82,821
83,295
84,004
85,891
87,574
90,520
91,492
87,876
87,856
89,776
90,266
90,801
93,289
95,296
97,159
98,927
99,380
101,599

71,830
71,943
72,089
72,452
72,813
73,119
73,423
73,715
73,986
74,373
82,821
83,058
83,374
84,003
84,717
85,684
86,514
86,684
86,814
87,111
87,397
87,681
93,289
94,292
95,248
96,168
96,810
97,608

20.09
20.17
20.25
20.33
20.42
21.53
21.62
21.70
21.79
21.88
20.93
21.01
21.09
21.18
21.27
21.35
21.44
21.53
21.62
21.70
21.79
21.88
21.97
22.06
22.15
22.24
22.33
22.42

3,587
3,584
3,588
3,652
3,672
3,496
3,509
3,517
3,520
3,593
3,958
3,965
3,983
4,056
4,118
4,240
4,267
4,082
4,065
4,136
4,142
4,149
4,246
4,321
4,387
4,449
4,451
4,532

43,982
43,527
43,577
43,307
42,404
42,583
42,588
42,928
43,712
43,949
44,287
44,094
43,722
43,198
43,403
43,942
43,673
41,711
42,353
42,958
44,581
54,331
50,808
51,752
52,085
51,619
51,951
52,831

FUENTE: BANCO CENTRAL DE NICARAGUA.

1/ Incluye los siguientes Bancos: Industria y Comercio (en proceso de liquidacin forzosa. Se excluye de registros en agosto2001. Prin
De Crdito Popular (liquidado en enero del 2000), Mercantil (absorbido por Bancentro en marzo 2001, de la Produccin, de Crdito

Amrica Central, de Finanzas, de Exportacin, Intercontinental (hasta agosto de 2000), Del Sur (hasta 1999), Caley Dagnall, del Ca

Nicaragua (en liquidacin desde nov2000), Inmobiliario (absorbido por Banpro oct2000), Financiera Delta y Financiera Internacional

Los datos son diferentes a los publicados anteriormente, debido a que se ha excluido a las financieras (se sustituy la serie de datos
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.

6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.
7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.
9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.

17/ Financiera Nicaragua de Desarrollo S.A., cambi su razn social a Banco del xito, BANEX, a partir del 4 de septiembre. Tambin
Nota: HSBC opera como un banco en liquidacin desde junio de 2009, y desde ese mes ya no fue incorporado en estas estadsticas.

NICARAGUA: INDICADORES BASICOS DE

DATOS EN MILLONES DE C
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

11,882
11,894
11,999
12,067
12,346
11,447
10,721
10,517
10,978
9,669
9,281
9,407
9,573
9,527
9,749
9,624
10,175
10,074
9,484
9,549
9,395
9,333
8,926
8,856
9,063
8,730
8,880
8,605
8,559
8,860
8,773
8,579
8,791
8,803
8,787
8,236
8,522
8,766

9,481
9,837
9,777
11,296
10,074
10,744
11,512
11,813
11,740
12,408
11,758
11,452
12,680
12,327
12,532
12,169
12,201
12,297
13,074
12,308
12,715
11,755
12,589
11,915
13,100
13,881
15,072
16,362
15,662
15,331
14,608
14,532
15,754
14,951
14,755
15,101
16,194
16,741

23,139
23,604
24,188
24,565
25,067
25,726
26,421
27,029
27,558
28,362
29,034
29,454
29,723
29,991
30,377
30,993
31,543
32,272
33,045
33,942
34,605
36,088
37,187
37,915
39,352
40,299
40,623
40,869
41,118
41,631
42,504
43,202
46,352
46,499
46,650
46,005
44,400
44,122

23,139
23,372
23,644
23,874
24,113
24,382
24,673
24,968
25,255
25,566
25,881
26,179
29,723
29,857
30,030
30,271
30,525
30,817
31,135
31,486
31,832
32,258
32,706
33,140
39,352
39,825
40,091
40,285
40,452
40,648
40,913
41,199
41,772
42,245
42,645
42,925
44,400
44,261

501
506
499
542
600
544
540
539
582
596
634
597
631
663
639
700
758
758
797
836
890
951
970
957
1,010
1,162
1,152
1,149
1,175
1,162
1,162
1,275
1,316
1,264
1,317
1,330
1,251
1,124

920
936
935
956
968
952
958
974
985
1,000
1,033
1,052
1,069
1,096
1,095
1,124
1,164
1,185
1,221
1,253
1,282
1,328
1,370
1,369
1,412
1,454
1,506
1,572
1,611
1,590
1,612
1,649
1,811
1,772
1,711
1,729
1,672
1,614

41,932
42,644
42,744
44,684
44,589
44,933
45,650
46,175
47,079
46,917
46,449
46,638
48,330
48,115
48,893
49,052
50,166
50,765
51,727
51,838
52,793
53,202
54,618
54,473
56,577
57,833
59,280
60,501
59,815
60,400
60,406
60,634
64,887
64,191
64,150
63,106
64,035
64,504

9,500
10,189
10,431
10,891
11,750
10,928
11,398
11,582
10,521
10,546
12,666
12,757
14,425
15,569
16,129
18,040
18,942
19,980
19,326
20,602
19,695
19,007
19,726
19,619
23,014
23,754
24,294
24,373

16,330
16,585
16,798
18,382
19,059
20,221
20,561
20,468
21,305
23,448
25,571
25,962
25,797
26,732
27,977
28,721
29,021
26,089
26,509
26,542
26,796
26,196
27,831
30,095
28,443
29,652
29,466
31,771

43,931
43,004
42,875
42,463
41,696
41,633
41,467
41,905
42,400
42,371
42,197
42,181
41,474
41,381
41,226
41,573
41,483
39,880
40,085
40,712
41,876
43,795
43,913
43,805
43,883
43,698
43,796
43,754

44,151
43,864
43,666
43,466
43,213
43,015
42,843
42,750
42,718
42,689
42,197
42,189
41,951
41,808
41,692
41,672
41,645
41,424
41,276
41,219
41,279
41,489
43,913
43,859
43,867
43,824
43,819
43,808

1,196
1,140
1,239
1,214
1,200
1,280
1,405
1,526
1,530
1,343
1,332
1,302
1,250
1,343
1,426
1,419
1,383
1,014
942
905
866
1,284
1,400
1,397
1,349
1,322
1,326
1,264

Se excluye de registros en agosto2001. Principales activos y pasivos los adquiri Banpro),

n marzo 2001, de la Produccin, de Crdito Centroamericano,

Del Sur (hasta 1999), Caley Dagnall, del Caf de

Financiera Delta y Financiera Internacional.

as financieras (se sustituy la serie de datos).

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

1,686
1,481
1,467
1,498
1,544
1,588
1,660
1,747
1,755
1,952
1,951
1,939
1,847
1,891
1,880
2,001
2,047
1,741
1,699
1,736
1,712
1,706
1,781
1,795
1,778
1,809
1,836
1,835

64,417
64,583
64,924
66,465
67,409
67,683
68,221
68,792
69,188
70,995
75,100
75,532
76,161
78,069
79,669
82,317
83,306
79,752
79,655
81,486
81,881
82,172
84,519
86,405
88,139
89,741
90,056
92,382

cartera bruta con atraso mayor a 90 das.

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

NEX, a partir del 4 de septiembre. Tambin en este mes inici operaciones Citibank luego de la adquisicin del Grupo Financiero Uno.

a no fue incorporado en estas estadsticas.

GUA: INDICADORES BASICOS DEL SISTEMA BANCARIO 1/

DATOS EN MILLONES DE CORDOBAS
Depsitos

Depsitos

Totales 10/

Promedio

36,087
37,003
37,221
38,909
38,645
38,471
39,153
39,421
39,248
38,722
38,215
38,211
39,462
39,751
40,625
40,607
41,570
41,867
42,525
42,435
43,195
43,354
44,681
44,815
46,684
47,712
49,072
50,188
49,445
50,025
49,903
50,001
51,662
50,843
50,263
49,616
49,617
50,054

36,087
36,545
36,770
37,305
37,573
37,723
37,927
38,114
38,240
38,288
38,281
38,275
39,462
39,606
39,946
40,111
40,403
40,647
40,915
41,105
41,337
41,539
41,825
42,074
46,684
47,198
47,823
48,414
48,620
48,854
49,004
49,129
49,410
49,554
49,618
49,618
49,617
49,836

Patrimonio 11/

4,068
4,165
4,441
4,545
4,454
4,538
4,627
4,727
4,784
4,884
4,963
5,009
5,081
5,172
5,268
5,279
5,263
5,364
5,409
5,475
5,515
5,541
5,665
5,842
5,930
6,048
6,178
6,265
6,314
6,348
6,456
6,614
7,004
7,185
7,261
7,339
7,410
7,491

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

4,068
4,116
4,225
4,305
4,335
4,368
4,405
4,446
4,483
4,523
4,563
4,600
5,081
5,126
5,174
5,200
5,212
5,238
5,262
5,289
5,314
5,337
5,366
5,406
5,930
5,989
6,052
6,105
6,147
6,181
6,220
6,269
6,351
6,434
6,509
6,578
7,410
7,451

2,064
2,064
2,258
2,624
2,920
3,020
3,020
3,020
3,032
3,032
3,032
3,039
3,075
3,075
3,164
3,209
3,469
3,473
3,619
3,619
3,619
3,619
3,719
3,719
3,753
3,753
3,901
3,918
3,968
4,066
4,099
4,260
4,538
4,638
4,638
4,638
4,723
4,723

410
816
1,236
1,659
2,106
2,537
2,993
3,458
3,924
4,404
4,880
5,379
517
1,005
1,516
2,031
2,578
3,143
3,713
4,298
4,881
5,490
6,109
6,759
630
1,245
1,894
2,547
3,193
3,839
4,507
5,191
5,816
6,482
7,726
8,482
718
1,402

307
602
919
1,241
1,575
1,915
2,263
2,625
2,987
3,365
3,746
4,141
410
804
1,219
1,638
2,082
2,531
2,999
3,485
3,973
4,480
5,002
5,552
539
1,075
1,627
2,184
2,745
3,308
3,882
4,473
5,026
5,622
6,773
7,440
649
1,273

50,155
50,324
50,846
52,223
53,174
53,566
54,149
54,676
55,030
56,820
60,782
61,238
62,075
63,664
65,515
68,672
69,287
68,163
68,282
69,915
70,499
70,805
72,943
74,707
76,245
77,593
78,134
80,426

49,942
50,038
50,199
50,537
50,913
51,245
51,568
51,879
52,165
52,553
60,782
61,010
61,365
61,940
62,655
63,658
64,462
64,925
65,298
65,759
66,190
66,575
72,943
73,825
74,632
75,372
75,924
76,675

7,634
7,699
7,749
7,802
7,569
7,579
7,631
7,551
7,515
7,635
7,721
7,763
7,844
7,822
7,905
8,203
8,186
8,124
8,201
8,290
8,385
8,630
8,770
8,891
9,020
9,186
9,324
9,216

7,512
7,558
7,597
7,631
7,622
7,617
7,618
7,611
7,603
7,605
7,721
7,742
7,776
7,787
7,811
7,876
7,921
7,946
7,974
8,006
8,040
8,090
8,770
8,831
8,894
8,967
9,038
9,068

4,828
4,833
4,834
4,993
4,873
5,142
5,204
5,204
5,204
5,322
5,389
5,389
5,619
5,619
5,619
5,726
5,804
5,469
5,469
5,469
5,469
5,900
5,992
5,992
6,076
6,076
6,076
6,248

2,119
2,831
3,557
4,279
4,955
5,662
6,340
7,088
7,708
8,540
690
1,327
2,024
2,692
3,365
4,054
4,732
5,017
5,593
6,189
6,788
7,423
724
1,199
1,804
2,409
3,020
3,617

1,915
2,550
3,193
3,832
4,429
5,051
5,651
6,251
6,857
7,463
611
1,176
1,760
2,331
2,904
3,501
4,053
4,267
4,773
5,293
5,813
6,359
552
1,055
1,587
2,112
2,647
3,164

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

Depsitos 14/

anualizado

nistrativo 15/

anualizado

antes ISR 16/

3,684
3,611
3,676
3,722
3,780
3,830
3,880
3,937
3,983
4,039
4,086
4,141
4,918
4,825
4,876
4,914
4,997
5,062
5,140
5,227
5,297
5,376
5,456
5,552
6,468
6,448
6,508
6,553
6,589
6,617
6,655
6,710
6,702
6,747
7,389
7,440
7,794
7,637

122
237
372
501
641
775
917
1,062
1,206
1,361
1,510
1,678
161
307
471
629
800
972
1,150
1,332
1,511
1,698
1,881
2,077
195
380
575
762
952
1,139
1,332
1,529
1,719
1,915
2,326
2,549
219
422

96
187
295
398
511
618
729
842
953
1,066
1,172
1,286
114
220
337
453
578
704
833
966
1,097
1,233
1,366
1,508
140
276
421
560
702
840
985
1,131
1,273
1,417
1,590
1,737
145
280

1,150
1,124
1,181
1,195
1,225
1,236
1,249
1,263
1,270
1,279
1,279
1,286
1,371
1,318
1,348
1,359
1,388
1,407
1,429
1,449
1,462
1,480
1,490
1,508
1,681
1,659
1,683
1,679
1,684
1,679
1,688
1,697
1,697
1,700
1,734
1,737
1,746
1,677

194
387
598
806
1,022
1,247
1,471
1,717
1,957
2,206
2,463
2,743
250
507
775
1,043
1,344
1,626
1,915
2,202
2,487
2,773
3,073
3,392
305
602
914
1,238
1,568
1,894
2,227
2,556
2,885
3,254
3,869
4,259
343
669

2,324
2,320
2,391
2,418
2,453
2,495
2,521
2,575
2,609
2,647
2,687
2,743
3,000
3,040
3,100
3,130
3,226
3,253
3,283
3,303
3,316
3,328
3,353
3,392
3,657
3,609
3,657
3,714
3,763
3,788
3,817
3,833
3,847
3,905
4,221
4,259
4,120
4,013

114
239
367
499
632
744
859
985
1,109
1,251
1,359
1,470
151
274
403
521
628
765
884
1,035
1,162
1,282
1,453
1,677
131
291
421
597
776
938
1,097
1,264
1,370
1,487
1,674
1,787
133
265

7,661
7,651
7,662
7,664
7,593
7,576
7,534
7,501
7,480
7,463
7,337
7,056
7,040
6,994
6,970
7,001
6,949
6,401
6,364
6,351
6,342
6,359
6,629
6,329
6,348
6,337
6,352
6,327

647
863
1,088
1,305
1,517
1,742
1,959
2,219
2,389
2,604
219
413
616
807
998
1,177
1,350
1,386
1,526
1,668
1,801
1,938
137
257
387
513
641
765

429
574
726
872
1,024
1,181
1,332
1,487
1,635
1,785
151
287
428
559
687
804
921
1,015
1,114
1,215
1,311
1,409
96
182
276
368
462
552

1,715
1,722
1,742
1,743
1,755
1,772
1,776
1,784
1,783
1,785
1,817
1,724
1,714
1,678
1,649
1,609
1,579
1,522
1,486
1,458
1,430
1,409
1,155
1,091
1,105
1,105
1,108
1,105

993
1,319
1,646
1,977
2,263
2,591
2,925
3,270
3,601
4,006
348
688
1,069
1,431
1,781
2,164
2,529
2,691
3,033
3,392
3,763
4,159
368
730
1,114
1,486
1,869
2,272

3,970
3,958
3,949
3,953
3,880
3,886
3,899
3,924
3,929
4,006
4,172
4,130
4,276
4,294
4,275
4,327
4,335
4,037
4,044
4,070
4,105
4,159
4,417
4,382
4,456
4,458
4,487
4,544

402
523
659
762
842
905
937
958
1,075
1,038
79
153
254
277
414
417
470
910
1,042
1,185
1,364
1,607
233
422
646
823
1,043
1,280

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Utilid. a/ISR

Nmero

anualizado

Bancos

1,363
1,431
1,470
1,498
1,516
1,488
1,473
1,478
1,478
1,502
1,483
1,470
1,809
1,642
1,612
1,562
1,508
1,531
1,516
1,553
1,549
1,538
1,585
1,677
1,571
1,747
1,684
1,791
1,862
1,877
1,881
1,896
1,827
1,785
1,826
1,787
1,596
1,592

7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
7
8
8
8
8

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre15/
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

8.8
8.9
9.4
9.2
9.1
9.2
9.2
9.3
9.2
9.4
9.7
9.7
9.5
9.7
9.7
9.7
9.5
9.6
9.5
9.6
9.5
9.4
9.4
9.7
9.5
9.5
9.4
9.4
9.5
9.5
9.7
9.8
9.7
10.1
10.2
10.4
10.4
10.4

20.3
20.7
18.9
17.0
15.3
14.9
15.1
15.3
15.5
15.5
15.3
15.3
15.7
15.6
15.5
15.3
14.5
14.6
14.3
14.3
14.6
14.7
14.7
14.6
15.1
15.4
15.2
15.4
15.1
14.9
14.7
14.2
14.3
13.8
13.8
13.6
13.6
13.7

1,610
1,569
1,582
1,524
1,443
1,357
1,249
1,150
1,173
1,038
950
917
1,015
832
993
835
807
1,365
1,390
1,422
1,488
1,607
2,796
2,534
2,585
2,468
2,503
2,560

8
8
8
8
7
7
7
7
7
7
7
7
7
7
7
7
7
6
6
6
6
6
6
6
6
6
6
6

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

10.6
10.7
10.7
10.5
10.1
10.1
10.1
9.9
9.8
9.7
9.3
9.3
9.3
9.1
9.0
9.1
8.9
9.2
9.3
9.2
9.3
9.5
9.4
9.3
9.3
9.3
9.4
9.1

13.3
13.4
13.4
13.3
13.8
13.2
13.1
13.2
13.3
13.3
13.9
14.0
13.6
13.9
14.2
14.4
14.4
14.6
14.6
14.9
15.0
13.9
14.1
14.4
14.5
14.8
14.8
14.8

*/ Millones de US dlares.

DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT
5. Prov/CV

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total
= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT
10. UT/PATRp

= Activo Total/Nmero Entidades (Mill de US$)

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

NICARAGUA: INDICADORES FINANCIEROS

PORCENTAJES

CV-Prov/Kpri

CV/CrT

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

(20.3)
(20.8)
(19.3)
(15.8)
(12.6)
(13.5)
(13.8)
(14.4)
(13.3)
(13.3)
(13.2)
(15.0)
(14.2)
(14.1)
(14.4)
(13.2)
(11.7)
(12.3)
(11.7)
(11.5)
(10.8)
(10.4)
(10.7)
(11.1)
(10.7)
(7.8)
(9.1)
(10.8)
(11.0)
(10.5)
(11.0)
(8.8)
(10.9)
(11.0)
(8.5)
(8.6)
(8.9)
(10.4)

2.2
2.1
2.1
2.2
2.4
2.1
2.0
2.0
2.1
2.1
2.2
2.0
2.1
2.2
2.1
2.3
2.4
2.3
2.4
2.5
2.6
2.6
2.6
2.5
2.6
2.9
2.8
2.8
2.9
2.8
2.7
3.0
2.8
2.7
2.8
2.9
2.8
2.5

183.6
185.1
187.5
176.5
161.3
175.0
177.5
180.7
169.3
167.8
163.0
176.2
169.5
165.3
171.4
160.6
153.6
156.4
153.2
149.9
144.1
139.6
141.2
143.0
139.8
125.2
130.8
136.7
137.1
136.8
138.7
129.4
137.5
140.2
129.9
130.0
133.6
143.5

156.0
156.8
153.9
158.4
154.2
149.5
148.2
145.8
142.4
136.5
131.6
129.7
132.8
132.5
133.7
131.0
131.8
129.7
128.7
125.0
124.8
120.1
120.2
118.2
118.6
118.4
120.8
122.8
120.3
120.2
117.4
115.7
111.5
109.3
107.7
107.8
111.7
113.4

50.3
50.4
51.3
49.9
51.1
52.0
52.6
53.1
53.1
54.8
56.5
57.0
55.7
56.3
56.1
57.0
56.9
57.5
57.8
59.2
59.3
61.4
61.7
62.9
63.0
63.1
62.1
61.2
62.2
62.4
63.6
64.2
64.5
65.1
65.3
65.3
62.1
61.3

5.1
5.0
5.1
5.1
5.1
5.2
5.2
5.3
5.3
5.4
5.4
5.5
5.6
5.7
5.8
5.8
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
5.9
5.7
5.7
5.7
5.8
5.8
5.8
5.8
5.8
5.8
6.3
6.3
5.8
5.6

381.7
386.9
388.4
403.6
400.5
402.3
407.2
410.6
416.6
414.4
409.7
409.8
422.1
419.5
424.6
424.3
431.1
434.7
440.7
440.3
446.1
447.6
457.5
455.8
470.4
478.9
488.7
496.5
489.7
492.4
491.2
492.0
523.8
517.9
451.7
443.7
443.9
446.3

(10.2)
(7.0)
(4.7)
(5.7)
(7.1)
(6.0)
(4.9)
(4.2)
(4.3)
(11.4)
(11.5)
(11.8)
(10.6)
(9.8)
(8.1)
(10.2)
(11.4)
(13.3)
(13.8)
(15.2)
(15.5)
(7.1)
(6.4)
(6.6)
(7.1)
(8.0)
(8.4)
(9.1)

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

trativo anualizado/Activo total promedio

2.7
2.7
2.9
2.9
2.9
3.1
3.4
3.6
3.6
3.2
3.2
3.1
3.0
3.2
3.5
3.4
3.3
2.5
2.3
2.2
2.1
2.9
3.2
3.2
3.1
3.0
3.0
2.9

141.0
129.9
118.5
123.4
128.7
124.1
118.2
114.5
114.7
145.3
146.5
149.0
147.8
140.9
131.9
141.0
148.0
171.7
180.4
191.8
197.8
132.8
127.2
128.5
131.8
136.8
138.5
145.2

114.2
117.0
118.6
123.0
127.5
128.7
130.6
130.5
129.8
134.1
144.0
145.2
149.7
153.8
158.9
165.2
167.0
170.9
170.3
171.7
168.4
161.7
166.1
170.5
173.7
177.6
178.4
183.8

61.0
59.5
59.0
57.2
55.6
55.3
54.7
54.9
55.3
53.9
50.9
50.6
49.4
48.2
47.1
45.9
45.3
45.4
45.6
45.3
46.4
48.2
47.1
46.0
45.2
44.2
44.1
43.1

5.5
5.5
5.5
5.5
5.3
5.3
5.3
5.3
5.3
5.4
5.0
5.0
5.1
5.1
5.0
5.0
5.0
4.7
4.7
4.7
4.7
4.7
4.7
4.6
4.7
4.6
4.6
4.7

448.3
448.0
448.5
456.5
524.6
499.4
501.3
502.5
502.8
513.3
565.4
566.5
568.9
579.4
588.3
605.7
609.6
680.3
677.4
689.4
690.4
691.6
707.6
720.1
731.2
741.5
741.8
755.3

mero Entidades (Mill de US$)

de impuesto sobre renta/Patrimonio Promedio (ROE)

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

33.5
34.8
34.8
34.8
35.0
34.1
33.4
33.2
33.0
33.2
32.5
32.0
35.6
32.0
31.1
30.0
28.9
29.2
28.8
29.4
29.2
28.8
29.5
31.0
26.5
29.2
27.8
29.3
30.3
30.4
30.2
30.2
28.8
27.7
28.1
27.2
21.5
21.4

3.0
3.1
3.1
3.2
3.2
3.1
3.0
3.0
3.0
3.0
3.0
3.0
3.4
3.1
3.0
2.9
2.8
2.8
2.8
2.8
2.8
2.8
2.8
3.0
2.5
2.8
2.6
2.8
2.9
2.9
2.9
2.9
2.8
2.7
2.7
2.6
2.2
2.2

12.7
12.4
12.3
12.4
12.4
12.4
12.4
12.5
12.4
12.5
12.4
12.5
13.1
12.8
12.9
12.8
12.9
13.0
13.0
13.1
13.1
13.1
13.1
13.2
12.8
12.7
12.7
12.8
12.8
12.8
12.8
12.8
12.6
12.5
13.8
13.8
14.0
13.9

50.9
51.0
50.9
52.3
50.3
49.4
48.7
48.4
48.3
47.1
45.3
44.7
46.0
45.4
45.6
44.4
44.6
44.1
43.6
42.2
41.9
39.6
39.4
38.1
39.2
39.1
40.4
41.3
40.5
40.1
38.7
38.1
37.8
37.0
36.7
37.0
38.6
39.5

21.4
20.8
20.8
20.0
18.9
17.8
16.4
15.1
15.4
13.6
12.3
11.8
13.1
10.7
12.7
10.6
10.2
17.2
17.4
17.8
18.5
19.9
31.9
28.7
29.1
27.5
27.7
28.2

2.2
2.2
2.2
2.1
2.0
1.9
1.7
1.6
1.6
1.4
1.1
1.1
1.2
1.0
1.2
1.0
0.9
1.6
1.6
1.6
1.7
1.8
3.0
2.7
2.7
2.6
2.6
2.6

13.9
14.0
14.1
14.2
14.1
14.2
14.1
14.1
14.1
14.1
14.4
13.9
14.0
14.0
14.1
14.3
14.2
13.1
13.1
13.2
13.2
13.2
13.5
13.0
13.0
13.0
13.0
13.0

40.1
41.5
41.9
44.0
45.7
46.0
46.8
46.6
46.0
47.9
50.9
51.3
52.8
54.2
55.4
56.8
57.6
57.8
57.5
57.9
56.8
55.0
56.3
57.5
58.4
59.5
59.7
60.8

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio

Millones US$

Por Riesgo

32,478
32,825
33,294
33,567
34,275
35,014
35,393
35,670
35,786
36,762
38,859
38,478
38,113
38,291
39,361
39,204
39,554
40,744
41,918
42,523
43,148
43,675
44,731
46,141
46,837
47,760
48,607
49,260
50,354
51,265
51,344
52,316
52,432
53,252
53,496
53,967
53,870
54,216

32,478
32,652
32,866
33,041
33,288
33,576
33,835
34,065
34,256
34,506
34,902
35,200
38,113
38,202
38,588
38,742
38,905
39,211
39,598
39,963
40,317
40,653
41,024
41,450
46,837
47,298
47,735
48,116
48,563
49,014
49,347
49,718
50,019
50,343
50,629
50,908
53,870
54,043

1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0

32,478
32,825
33,294
33,567
34,275
35,014
35,393
35,670
35,786
36,762
38,859
38,478
38,113
38,291
39,361
39,204
39,554
40,744
41,918
42,523
43,148
43,675
44,731
46,141
46,837
47,760
48,607
49,260
50,354
51,265
51,344
52,316
52,432
53,252
53,496
53,967
53,870
54,216

23,384
23,634
23,907
24,168
24,678
25,137
25,837
26,039
26,766
23,528
24,870
24,745
26,298
26,421
27,009
27,051
27,292
27,825
29,342
29,766
30,847
30,136
30,864
31,770
32,786
33,432
34,057
34,482
35,247
35,819
35,941
36,621
36,710
37,277
35,842
35,878
35,455
35,683

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

54,506
54,475
52,903
53,602
52,971
53,517
53,571
53,341
54,001
54,059
53,822
53,581
53,953
53,793
54,055
54,659
54,536
55,584
56,241
56,743
57,189
58,078
58,733
58,473
59,427
59,883
58,556

54,197
54,267
53,994
53,929
53,792
53,757
53,737
53,697
53,725
53,753
53,822
53,701
53,785
53,787
53,841
53,977
54,057
54,248
54,469
54,697
54,923
55,186
58,733
58,603
58,878
59,129
59,014

1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0

54,506
54,475
52,903
53,602
52,971
53,517
53,571
53,341
54,001
54,059
53,822
53,581
53,953
53,793
54,055
54,659
54,536
55,584
56,241
56,743
57,189
58,078
58,733
58,473
59,427
59,883
58,556

34,813
34,799
33,795
33,759
33,350
33,695
33,717
33,574
33,991
34,048
33,151
33,001
33,925
33,819
33,984
34,882
34,803
35,477
36,198
36,521
36,810
37,394
38,036
37,863
39,148
39,451
38,577

FUENTE: SUPERINTENDENCIA DE BANCOS DE PANAM

NOTAS:

1/ Incluye nicamente los bancos Privados y estatales que confomran el Sisytema bancario (Se excluyen a los Bancos con Licencia In
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.
6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.
7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.

9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.
Datos sujeto a revisin.

PANAMA: INDICADORES BASICOS DEL SISTE

DATOS EN MILLONES DE
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

5,302
5,370
5,507
5,758
5,915
6,110
6,106
6,016
6,258
6,309
5,838
5,782
5,551
5,777
6,090
5,748
5,824
5,692
6,863
7,078
7,340
7,298
7,406
7,639
8,057
8,440
8,697
9,052
8,914
8,867
8,889
9,055
9,140
9,196
9,306
9,316
9,202
9,246

5,216
5,261
5,389
5,478
5,513
5,463
5,347
5,366
4,930
5,209
7,279
7,571
7,084
6,688
6,918
7,141
7,122
7,884
7,279
7,123
7,100
7,196
7,559
8,735
8,862
8,947
9,095
8,847
9,260
9,459
8,936
9,358
8,969
9,172
9,395
11,193
10,694
9,954

19,916
20,070
20,305
20,225
20,748
21,303
21,826
22,051
22,577
23,220
23,396
22,868
23,240
23,598
24,152
24,296
24,543
24,992
25,564
26,015
26,265
26,778
27,329
27,342
27,373
27,793
28,213
28,806
29,420
30,192
30,733
31,215
31,659
32,157
31,948
30,774
31,207
32,212

19,916
19,993
20,097
20,129
20,253
20,428
20,628
20,805
21,002
21,224
21,422
21,542
23,240
23,419
23,663
23,822
23,966
24,137
24,341
24,550
24,741
24,944
25,161
25,343
27,373
27,583
27,793
28,046
28,321
28,633
28,933
29,218
29,489
29,756
29,955
30,024
31,207
31,710

344
347
351
307
315
324
328
331
339
334
337
329
325
339
346
368
380
370
379
406
425
432
383
375
367
384
389
373
396
358
370
411
428
425
442
507
464
453

407
408
410
415
416
416
420
425
432
436
444
420
426
434
435
442
443
493
494
498
505
515
523
498
507
501
510
513
506
507
527
519
537
542
545
531
538
546

27,778
28,119
28,594
28,823
29,497
30,221
30,535
30,740
30,808
31,757
33,930
33,448
33,001
33,044
33,942
33,769
34,051
35,157
35,422
35,966
36,480
36,944
37,957
39,529
40,009
40,827
41,533
42,037
42,961
43,842
43,831
44,688
44,791
45,610
45,825
46,319
46,066
46,433

9,318
9,390
8,380
8,634
8,729
8,533
8,681
8,717
9,010
8,896
9,133
9,373
9,689
9,746
9,905
9,737
9,501
9,784
9,863
9,940
9,701
10,013
10,332
10,545
10,743
10,784
10,867

10,268
10,477
10,192
10,546
10,221
11,219
10,716
10,547
11,366
11,903
11,820
11,314
11,010
10,525
10,563
10,732
10,391
10,228
10,391
10,043
10,126
11,158
11,243
10,603
10,571
10,339
9,974

32,149
31,933
31,797
31,919
31,542
31,352
31,635
31,675
31,157
30,683
30,414
30,534
30,910
30,989
31,140
31,721
32,203
33,081
33,566
34,185
34,814
34,303
34,548
34,777
35,623
34,613
35,283

31,856
31,875
31,860
31,869
31,823
31,764
31,749
31,742
31,689
31,605
30,414
30,474
30,619
30,712
30,797
30,951
31,130
31,374
31,618
31,874
32,142
32,322
34,548
34,663
34,983
34,890
34,969

475
459
453
441
462
511
506
510
501
373
444
425
421
414
431
430
437
466
439
422
434
364
384
389
395
346
370

o (Se excluyen a los Bancos con Licencia Internacional).

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

cartera bruta con atraso mayor a 90 das.

572
562
546
513
525
529
530
537
542
516
517
517
515
522
524
524
524
525
512
516
518
508
509
513
521
520
509

46,658
46,533
46,036
46,673
46,049
46,608
46,640
46,386
47,000
47,253
46,943
46,640
46,959
46,733
46,996
47,591
47,356
48,322
48,933
49,257
49,614
50,395
51,197
50,867
51,744
50,261
50,792

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

DICADORES BASICOS DEL SISTEMA BANCARIO NACIONAL 1/

DATOS EN MILLONES DE BALBOAS
Depsitos

Depsitos

Totales 10/

Promedio

16,775
16,955
17,237
17,451
17,821
18,209
18,243
18,357
18,628
18,891
20,459
20,450
20,581
21,304
21,821
22,385
22,635
23,302
23,472
23,634
23,856
24,370
24,936
25,629
26,030
26,392
26,739
27,226
27,920
28,514
28,312
28,484
28,522
29,324
29,781
30,397
26,133
27,355

16,775
16,865
16,989
17,105
17,248
17,408
17,527
17,631
17,742
17,857
18,093
18,290
20,581
20,943
21,235
21,523
21,745
22,005
22,214
22,392
22,554
22,736
22,936
23,160
26,030
26,211
26,387
26,597
26,861
27,137
27,305
27,452
27,571
27,746
27,931
28,137
26,133
26,744

Patrimonio 11/

4,271
4,275
4,268
4,305
4,338
4,343
4,406
4,478
4,510
4,545
4,475
4,602
4,679
4,806
4,977
4,977
5,042
5,080
5,986
6,044
6,149
6,201
6,249
6,207
6,320
6,431
6,569
6,708
6,885
6,915
6,990
7,109
7,102
7,087
7,112
7,108
7,257
7,231

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

4,271
4,273
4,271
4,280
4,291
4,300
4,315
4,336
4,355
4,374
4,383
4,401
4,679
4,743
4,821
4,860
4,896
4,927
5,078
5,199
5,304
5,394
5,472
5,533
6,320
6,376
6,440
6,507
6,583
6,638
6,688
6,741
6,781
6,812
6,839
6,861
7,257
7,244

4,101
4,107
4,097
4,134
4,170
4,170
4,232
4,303
4,334
4,373
4,300
4,407
4,501
4,629
4,801
4,802
4,867
4,908
5,813
5,888
5,994
6,065
6,111
6,111
6,176
6,288
6,427
6,563
6,738
6,779
6,845
6,971
6,959
6,957
6,982
7,064
7,163
7,135

213
413
651
867
1,102
1,341
1,592
1,846
2,096
2,341
2,548
2,808
266
511
780
1,047
1,332
1,618
1,920
2,232
2,512
2,819
3,138
3,548
331
614
975
1,294
1,637
1,979
2,303
2,627
2,962
3,454
3,762
4,078
226
433

126
243
360
477
599
786
928
1,079
1,212
1,364
1,517
1,671
155
299
459
619
782
945
1,114
1,287
1,439
1,616
1,792
1,981
179
344
517
684
855
1,023
1,199
1,377
1,552
1,817
2,002
2,186
180
342

27,569
27,728
28,055
28,478
28,526
29,420
29,544
29,611
30,078
31,383
31,357
31,367
31,672
31,902
31,969
32,151
32,210
32,576
32,862
32,891
33,137
34,158
34,557
34,493
34,889
33,466
34,249

27,019
27,196
27,368
27,553
27,692
27,908
28,090
28,242
28,409
28,657
31,357
31,362
31,466
31,575
31,654
31,736
31,804
31,901
32,007
32,096
32,190
32,354
34,557
34,525
34,646
34,351
34,331

7,265
7,369
6,311
6,403
6,384
6,367
6,385
6,407
6,448
6,285
6,357
6,418
6,473
6,533
6,530
6,540
6,652
6,732
6,791
6,965
7,052
7,172
7,022
7,088
7,157
6,923
7,249

7,251
7,280
7,086
6,972
6,888
6,823
6,774
6,738
6,711
6,676
6,357
6,388
6,416
6,445
6,462
6,475
6,500
6,529
6,558
6,599
6,640
6,685
7,022
7,055
7,089
7,047
7,088

7,209
7,252
6,192
6,183
6,262
6,243
6,256
6,276
6,313
6,154
6,221
6,283
6,338
6,392
6,401
6,411
6,519
6,598
6,658
6,779
6,868
6,826
6,811
6,877
6,943
6,763
7,035

666
899
1,129
1,352
1,585
1,809
2,034
2,256
2,460
2,676
226
433
656
880
1,115
1,340
1,568
1,797
2,027
2,263
2,476
2,730
243
467
710
942
1,187

532
718
906
1,090
1,279
1,465
1,645
1,830
2,008
2,191
183
349
532
714
897
1,081
1,268
1,458
1,641
1,832
2,021
2,213
193
374
568
749
940

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

Depsitos

anualizado

nistrativo 13/

anualizado

antes ISR 14/

1,512
1,455
1,441
1,431
1,438
1,572
1,590
1,618
1,615
1,637
1,654
1,671
1,864
1,795
1,835
1,858
1,877
1,890
1,910
1,930
1,919
1,939
1,955
1,981
2,148
2,064
2,068
2,052
2,052
2,046
2,055
2,066
2,069
2,180
2,184
2,186
2,161
2,055

86
167
261
350
450
551
658
767
875
989
1,103
1,221
120
227
349
467
590
713
847
976
1,094
1,228
1,356
1,494
134
254
378
492
608
720
835
949
1,063
1,202
1,317
1,430
105
195

54
108
165
219
280
342
411
481
505
646
733
812
76
147
222
293
367
443
528
612
625
803
902
994
85
165
240
308
378
447
521
595
596
775
864
939
67
127

652
649
662
658
672
685
704
721
674
775
799
812
909
884
888
878
882
886
906
918
834
964
984
994
1,018
989
959
924
908
895
894
893
794
930
943
939
802
761

31
62
94
125
157
190
223
258
294
328
372
406
37
74
112
152
188
229
269
310
348
391
434
486
42
84
125
168
212
256
304
344
389
447
494
547
58
120

372
372
376
375
377
380
382
387
392
394
406
406
444
444
448
456
451
458
461
465
464
469
473
486
504
501
498
503
509
512
521
517
518
537
539
547
701
719

60
134
188
243
307
372
436
507
569
621
556
587
65
125
173
234
310
368
443
514
589
652
728
848
93
172
301
400
520
634
677
783
886
1,014
1,089
1,142
89
115

2,129
2,154
2,176
2,179
2,192
2,198
2,193
2,195
2,191
2,191
2,191
2,092
2,129
2,141
2,152
2,161
2,174
2,186
2,188
2,199
2,204
2,213
2,318
2,244
2,271
2,247
2,255

304
411
520
627
733
838
940
1,043
1,141
1,243
101
192
293
390
488
586
687
788
886
986
1,083
1,182
100
190
287
380
477

193
258
324
389
457
526
603
682
759
840
81
155
236
315
395
473
554
634
711
790
866
943
77
146
222
293
367

773
773
778
779
784
789
804
819
828
840
976
928
945
944
949
947
949
951
948
948
944
943
920
875
889
878
882

186
250
312
383
451
513
573
653
733
812
64
126
197
267
339
432
505
579
663
746
825
921
81
164
249
334
421

744
751
749
766
773
770
765
783
799
812
765
754
789
802
813
863
865
869
884
895
900
921
972
984
995
1,002
1,011

196
280
374
456
525
601
684
736
752
774
74
136
206
272
349
413
489
587
667
774
825
913
76
147
226
304
404

CONSEJO MONETARIO CENTROAMERICANO

PORCENTAJES
Utilidad a/ISR

Nmero

anualizado

Bancos

723
803
751
729
737
744
748
761
759
746
606
587
783
750
691
702
744
736
759
770
786
782
794
848
1,116
1,032
1,204
1,200
1,249
1,267
1,160
1,175
1,182
1,217
1,188
1,142
1,063
689

41
41
41
41
41
41
41
41
41
41
41
41
41
41
41
41
41
40
40
40
40
40
40
40
40
40
40
40
41
41
41
42
42
42
42
45
45
45

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

13.2
13.0
12.8
12.8
12.7
12.4
12.4
12.6
12.6
12.4
11.5
12.0
12.3
12.6
12.6
12.7
12.7
12.5
14.3
14.2
14.3
14.2
14.0
13.5
13.5
13.5
13.5
13.6
13.7
13.5
13.6
13.6
13.5
13.3
13.3
13.2
13.5
13.3

6.9
7.0
7.1
7.1
7.2
7.4
7.3
7.2
7.2
7.4
8.0
7.7
7.4
7.2
7.2
7.1
7.1
7.3
6.2
6.2
6.2
6.2
6.3
6.5
6.6
6.6
6.5
6.5
6.5
6.5
6.5
6.5
6.5
6.6
6.6
6.6
6.5
6.6

785
840
898
911
901
902
913
883
820
774
886
818
823
816
836
825
839
881
889
929
900
913
914
884
903
911
969

45
45
46
46
44
45
45
45
45
46
44
44
44
46
46
47
47
47
47
48
48
48
49
49
49
49
49

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

13.3
13.5
11.9
11.9
12.1
11.9
11.9
12.0
11.9
11.6
11.8
12.0
12.0
12.1
12.1
12.0
12.2
12.1
12.1
12.3
12.3
12.3
12.0
12.1
12.0
11.6
12.4

6.6
6.5
7.5
7.6
7.4
7.6
7.5
7.5
7.5
7.8
7.6
7.5
7.5
7.4
7.4
7.5
7.3
7.4
7.4
7.3
7.3
7.5
7.6
7.5
7.5
7.8
7.3

*/ Millones de US dlares.
DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT
5. Prov/CV

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total
= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT
10. UT/PATRp

= Activo Total/Nmero Entidades (Mill de US$)

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

SECRETARA EJECUTIVA
PANAMA: INDICADORES FINANCIEROS

CV-Prov/Kpri

CV/CrT

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

(1.5)
(1.5)
(1.4)
(2.6)
(2.4)
(2.2)
(2.2)
(2.2)
(2.1)
(2.3)
(2.5)
(2.0)
(2.2)
(2.1)
(1.9)
(1.5)
(1.3)
(2.5)
(2.0)
(1.6)
(1.3)
(1.4)
(2.3)
(2.0)
(2.3)
(1.9)
(1.9)
(2.1)
(1.6)
(2.2)
(2.3)
(1.6)
(1.6)
(1.7)
(1.5)
(0.3)
(1.0)
(1.3)

1.7
1.7
1.7
1.5
1.5
1.5
1.5
1.5
1.5
1.4
1.4
1.4
1.4
1.4
1.4
1.5
1.5
1.5
1.5
1.6
1.6
1.6
1.4
1.4
1.3
1.4
1.4
1.3
1.3
1.2
1.2
1.3
1.4
1.3
1.4
1.6
1.5
1.4

118.4
117.9
116.8
135.2
132.1
128.7
128.1
128.1
127.2
130.3
131.7
127.4
131.0
128.2
125.9
120.0
116.7
133.1
130.4
122.6
119.0
119.1
136.7
132.9
138.3
130.6
131.1
137.6
127.9
141.7
142.5
126.3
125.4
127.4
123.4
104.7
116.0
120.5

84.2
84.5
84.9
86.3
85.9
85.5
83.6
83.2
82.5
81.4
87.4
89.4
88.6
90.3
90.3
92.1
92.2
93.2
91.8
90.8
90.8
91.0
91.2
93.7
95.1
95.0
94.8
94.5
94.9
94.4
92.1
91.3
90.1
91.2
93.2
98.8
83.7
84.9

61.3
61.1
61.0
60.3
60.5
60.8
61.7
61.8
63.1
63.2
60.2
59.4
61.0
61.6
61.4
62.0
62.0
61.3
61.0
61.2
60.9
61.3
61.1
59.3
58.4
58.2
58.0
58.5
58.4
58.9
59.9
59.7
60.4
60.4
59.7
57.0
57.9
59.4

1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.0
1.1
1.2
1.2
1.1
1.2
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.3
1.3

792.2
800.6
812.1
818.7
836.0
854.0
863.2
870.0
872.8
896.6
947.8
938.5
929.6
933.9
960.0
956.2
964.7
1,018.6
1,047.9
1,063.1
1,078.7
1,091.9
1,118.3
1,153.5
1,170.9
1,194.0
1,215.2
1,231.5
1,228.1
1,250.4
1,252.3
1,245.6
1,248.4
1,267.9
1,273.7
1,199.3
1,197.1
1,204.8

(1.3)
(1.4)
(1.5)
(1.2)
(1.0)
(0.3)
(0.4)
(0.4)
(0.6)
(2.3)
(1.2)
(1.5)
(1.5)
(1.7)
(1.4)
(1.5)
(1.3)
(0.9)
(1.1)
(1.4)
(1.2)
(2.1)
(1.8)
(1.8)
(1.8)
(2.6)
(2.0)

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

trativo anualizado/Activo total promedio

1.5
1.4
1.4
1.4
1.5
1.6
1.6
1.6
1.6
1.2
1.5
1.4
1.4
1.3
1.4
1.4
1.4
1.4
1.3
1.2
1.2
1.1
1.1
1.1
1.1
1.0
1.0

120.4
122.3
120.5
116.3
113.6
103.6
104.7
105.2
108.1
138.4
116.5
121.5
122.4
126.2
121.5
121.7
119.8
112.5
116.6
122.3
119.4
139.6
132.4
131.8
131.9
150.2
137.8

85.8
86.8
88.2
89.2
90.4
93.8
93.4
93.5
96.5
102.3
103.1
102.7
102.5
102.9
102.7
101.4
100.0
98.5
97.9
96.2
95.2
99.6
100.0
99.2
97.9
96.7
97.1

59.0
58.6
60.1
59.5
59.5
58.6
59.1
59.4
57.7
56.8
56.5
57.0
57.3
57.6
57.6
58.0
59.0
59.5
59.7
60.2
60.9
59.1
58.8
59.5
59.9
57.8
60.3

1.4
1.4
1.4
1.4
1.5
1.4
1.4
1.5
1.5
1.5
1.4
1.4
1.5
1.5
1.5
1.6
1.6
1.6
1.6
1.6
1.6
1.6
1.7
1.7
1.7
1.7
1.7

1,211.2
1,210.6
1,150.1
1,165.3
1,203.9
1,189.3
1,190.5
1,185.4
1,200.0
1,175.2
1,223.2
1,217.7
1,226.2
1,169.4
1,175.1
1,163.0
1,160.3
1,182.6
1,196.6
1,182.1
1,191.4
1,210.0
1,198.6
1,193.3
1,212.8
1,222.1
1,195.0

mero Entidades (Mill de US$)

de impuesto sobre renta/Patrimonio Promedio (ROE)

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

16.9
18.8
17.6
17.0
17.2
17.3
17.3
17.5
17.4
17.0
13.8
13.3
16.7
15.8
14.3
14.4
15.2
14.9
15.0
14.8
14.8
14.5
14.5
15.3
17.7
16.2
18.7
18.4
19.0
19.1
17.3
17.4
17.4
17.9
17.4
16.6
14.7
9.5

2.2
2.5
2.3
2.2
2.2
2.2
2.2
2.2
2.2
2.2
1.7
1.7
2.1
2.0
1.8
1.8
1.9
1.9
1.9
1.9
1.9
1.9
1.9
2.0
2.4
2.2
2.5
2.5
2.6
2.6
2.4
2.4
2.4
2.4
2.3
2.2
2.0
1.3

3.7
3.4
3.3
3.3
3.2
3.6
3.4
3.4
3.5
2.9
3.2
3.3
3.6
3.5
3.5
3.7
3.8
3.8
3.6
3.5
3.8
3.3
3.2
3.4
3.9
3.7
3.7
3.7
3.7
3.6
3.5
3.5
3.7
3.6
3.7
4.0
3.9
3.6

37.9
37.8
38.1
39.0
38.7
38.3
37.5
37.0
36.3
36.3
38.7
39.9
38.3
37.7
38.3
38.2
38.0
38.6
39.9
39.5
39.6
39.2
39.4
41.4
42.3
42.6
42.8
42.6
42.3
41.8
40.7
41.2
40.4
40.3
40.8
44.3
43.2
41.4

10.8
11.5
12.7
13.1
13.1
13.2
13.5
13.1
12.2
11.6
13.9
12.8
12.8
12.7
12.9
12.7
12.9
13.5
13.6
14.1
13.6
13.7
13.0
12.5
12.7
12.9
13.7

1.4
1.5
1.7
1.7
1.7
1.7
1.7
1.6
1.5
1.4
1.6
1.5
1.5
1.5
1.6
1.5
1.6
1.6
1.6
1.7
1.6
1.7
1.6
1.5
1.5
1.5
1.6

3.8
4.0
4.1
4.1
4.2
4.3
4.2
4.2
4.3
4.5
4.1
3.9
3.9
3.9
3.9
3.9
3.8
3.7
3.6
3.6
3.5
3.7
4.0
3.9
3.8
3.9
3.8

42.0
42.7
40.3
41.1
41.2
42.4
41.6
41.5
43.4
44.0
44.6
44.4
44.1
43.4
43.6
43.0
42.0
41.4
41.4
40.6
40.0
42.0
42.1
41.6
41.2
42.0
41.0

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

Activo

Activo total

Tipo de

Activo total

Act. Pond.

Total 2/

promedio

cambio 3/

Millones US$

Por Riesgo

351,975
348,743
344,193
352,882
359,451
363,029
366,973
370,056
374,202
384,206
387,005
396,665
405,985
409,219
406,435
416,557
425,265
435,200
433,566
443,528
448,430
451,336
456,339
461,675
464,036
473,441
485,269
486,257
484,796
485,166
476,871
487,775
489,571
487,871
497,785
511,100
505,751
504,294

351,975
350,359
348,304
349,448
351,449
353,379
355,321
357,163
359,056
361,571
363,883
366,615
405,985
407,602
407,213
409,549
412,692
416,444
418,890
421,969
424,910
427,552
430,169
432,795
464,036
468,738
474,249
477,251
478,760
479,827
479,405
480,451
481,465
482,105
483,531
485,828
505,751
505,023

34.74
32.74
32.53
32.37
32.95
32.95
32.95
32.88
33.64
33.76
33.51
33.78
33.53
33.27
32.32
32.47
32.30
33.19
32.66
33.14
33.43
33.57
33.53
33.94
34.03
33.85
33.92
34.01
34.03
34.24
34.40
34.88
34.88
35.00
35.53
35.26
35.48
35.61

10,131
10,651
10,579
10,900
10,910
11,019
11,138
11,254
11,123
11,380
11,549
11,744
12,109
12,299
12,575
12,828
13,167
13,110
13,275
13,385
13,414
13,447
13,609
13,603
13,636
13,987
14,307
14,296
14,247
14,169
13,863
13,985
14,035
13,939
14,012
14,496
14,253
14,161

175,218
171,665
172,377
177,332
181,973
187,493
190,580
194,149
201,998
212,665
208,634
215,138
220,273
217,877
218,067
227,953
235,549
237,635
232,628
236,875
239,971
242,682
242,627
245,024
251,769
252,070
260,364
266,095
268,522
264,918
255,863
260,507
261,987
262,327
264,663
278,549
278,019
273,612

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

513,992
516,269
516,179
523,020
528,326
533,342
540,691
551,700
567,043
574,861
576,354
583,673
594,725
607,054
615,103
617,067
624,539
627,898
630,238
634,293
647,863
666,093
659,285
657,755
660,581
676,237
673,510
682,332

508,013
510,077
511,297
513,251
515,405
517,647
520,207
523,357
527,328
531,289
576,354
580,013
584,917
590,451
595,382
598,996
602,645
605,801
608,517
611,094
614,437
618,742
659,285
658,520
659,207
663,464
665,474
668,283

35.81
35.93
35.92
35.93
36.02
36.07
36.06
36.06
36.09
36.06
36.2
36.4
36.4
36.7
36.8
36.9
36.9
37.0
37.2
37.3
37.3
37.5
37.6
37.8
37.9
37.9
38.0
38.1

14,352
14,369
14,369
14,558
14,669
14,784
14,996
15,300
15,713
15,943
15,907
16,055
16,327
16,527
16,694
16,739
16,906
16,963
16,939
17,003
17,366
17,744
17,536
17,390
17,428
17,841
17,733
17,924

273,660
276,997
282,469
289,694
288,485
286,162
288,767
295,234
304,898
305,642
305,887
309,658
316,009
323,306
329,101
332,930
336,550
338,443
353,655
363,975
376,707
380,906
384,850
383,100
382,393
389,846
398,677
404,695

FUENTE: SUPERINTENDENCIA DE BANCOS DE LA REPUBLICA DOMINICANA

NOTAS:
1/ Incluye los siguientes Bancos: De Reservas de la Repblica Dominicana, Scotia Bank, Citibank, Popular Dominicano,

Dominicano del Progreso, Nacional de Crdito, Mercantil, B H D, Intercontinental, Osaka, Global, Santa Cruz (Desde noviembre de 1

Comercial Santiago (Desde enero de 2000) Del Exterior Dominicano (Hasta junio de 2000. Se fusion con el Banco Intercontinental)
Fiduciario(Hasta diciembre de 2000. Se fusion con el Banco B H D), Metropolitano(Hasta diciembre de 2000. Se fusion con el
Banco Dominicano del Progreso).
2/ Activo Bruto Total, no incluye cuentas contingentes.
3/ Tipo de cambio venta del ltimo da de cada mes.
4/ Inversiones brutas en valores a cualquier plazo, sin intereses, incluidas las reservas de liquidez o de encaje que son remuneradas.
5/ Activos de disponibilidad inmediata, netas de cheques interbancarios.

6/ Saldo del crdito bruto Total = Saldo Cartera bruta al da y con atraso hasta 90 + saldo cartera bruta con atraso mayor a 90 das.
7/ Cartera vencida: saldo de cartera bruta de crdito con atraso mayor a 90 das.
8/ Estimaciones o provisiones por irrecuperabilidad de cartera crediticia.
9/ Incluye todo tipo de Obligaciones con el pblico, incluyendo endeudamiento interno y externo

10/ Saldo de depsitos o de captaciones del pblico, con costo y sin costo financiero, captadas a travs del propio banco o a travs d
11/ Capital Primario ms Capital Secundario.
12/ Capital Pagado y capital donado ms reservas legal.
13/ Ingresos financieros por crditos.
14/ Gastos por Captaciones del pblico
15/ Gastos en personal y gastos generales operativos.
16/ Utilidad antes del Impuesto sobre la Renta.

* Nota: No se incluyen los bancos Bancredito y Mercantil por estar en proceso de reestructuracin y el Comercial Santiago por informa

REPBLICA DOMINICANA: INDICADORES BSIC

DATOS EN MILLONES DE
Inversiones

Disponi-

Crdito

Crdito

Cartera

Provisiones

Pasivo

Financieras 4/

bilidades 5/

Total 6/

Promedio

Vencida 7/

Cartera 8/

Total 9/

89,955
88,124
88,423
88,043
93,542
95,391
95,521
94,626
90,717
92,212
91,869
84,277
60,656
64,159
69,024
72,453
74,647
76,942
76,015
106,169
105,289
100,736
98,832
90,899
81,986
85,287
86,701
93,330
87,801
85,694
83,756
97,510
101,958
97,227
92,408
95,759
92,193
95,810

58,936
57,995
53,910
57,302
56,128
56,323
56,510
56,226
58,869
61,336
61,017
70,570
88,576
89,236
89,663
90,038
91,758
92,176
91,284
66,872
67,847
70,700
71,609
80,082
87,663
90,062
92,726
81,215
79,063
79,044
77,104
70,316
68,000
69,239
77,964
83,452
85,362
82,570

156,818
155,833
156,928
160,865
164,290
168,388
170,481
174,093
176,625
182,812
187,542
196,581
190,828
191,222
201,087
206,915
212,349
220,236
219,872
223,517
228,732
234,053
240,669
247,167
249,955
253,314
260,514
265,861
271,339
273,800
269,182
272,845
271,956
273,489
279,256
286,522
282,449
280,545

156,818
156,326
156,527
157,611
158,947
160,520
161,943
163,462
164,925
166,713
168,607
170,938
190,828
191,025
194,379
197,513
200,480
203,773
206,073
208,253
210,529
212,881
215,407
218,054
249,955
251,635
254,594
257,411
260,197
262,464
263,424
264,601
265,419
266,226
267,410
269,003
282,449
281,497

10,973
9,572
9,568
9,757
10,476
12,400
12,437
12,271
11,265
11,647
11,030
9,153
8,970
9,590
10,377
10,898
11,394
10,947
10,561
11,405
10,853
11,449
13,024
9,871
10,450
11,203
10,850
11,322
11,365
9,910
10,194
10,183
10,275
10,435
11,108
9,693
10,770
11,055

12,168
11,598
11,474
11,571
11,756
13,396
13,888
14,028
13,434
13,741
14,034
13,366
12,435
12,684
13,670
14,053
14,171
14,013
14,084
14,241
14,298
14,400
14,313
13,278
13,646
13,912
13,922
13,879
13,945
13,162
13,075
13,396
13,361
12,926
12,668
13,277
13,542
13,543

303,146
297,287
294,465
302,809
307,843
310,719
313,861
316,434
319,623
328,239
329,665
337,972
321,702
324,502
346,963
356,286
364,227
373,692
370,782
379,502
383,164
385,636
390,420
396,926
398,348
406,633
420,357
419,891
417,270
417,135
408,039
417,796
418,479
416,463
425,907
440,361
435,180
432,919

101,765
102,828
100,793
103,347
104,409
109,324
109,992
108,253
109,185
125,584
126,097
131,021
127,015
131,507
138,996
135,760
141,803
140,809
141,283
136,235
141,925
158,168
148,813
148,663
148,469
152,251
148,493
147,735

82,280
83,082
79,773
77,291
81,209
81,834
81,484
86,878
96,991
80,152
79,670
77,965
77,031
78,939
79,973
77,383
77,401
78,126
79,644
78,712
82,787
83,041
84,910
82,759
80,624
87,434
83,798
83,345

282,847
283,183
287,998
294,810
295,395
294,974
302,322
309,616
311,947
322,188
322,679
327,777
343,017
348,476
347,759
355,522
357,411
360,509
358,551
368,891
372,726
368,934
367,926
375,803
378,462
381,113
383,240
391,153

281,947
282,256
283,404
285,305
286,747
287,775
289,391
291,414
293,281
295,689
322,679
325,228
331,158
335,487
337,942
340,872
343,234
345,394
346,856
349,059
351,211
352,688
367,926
371,864
374,063
375,826
377,309
379,616

11,967
12,660
13,512
12,498
13,854
13,240
13,385
13,290
14,139
13,435
14,067
14,913
15,154
14,152
13,558
12,184
12,555
13,243
13,236
12,488
12,622
11,209
11,501
11,637
11,145
10,686
10,883
10,924

Citibank, Popular Dominicano,

, Global, Santa Cruz (Desde noviembre de 1999),

0. Se fusion con el Banco Intercontinental),

a diciembre de 2000. Se fusion con el

iquidez o de encaje que son remuneradas. Incluye tambin inversiones en acciones de otras empresas.

13,707
14,361
14,484
14,022
14,298
14,363
14,452
14,529
14,486
14,643
14,687
14,797
14,878
14,734
14,867
14,436
14,418
14,681
14,631
14,979
15,121
14,710
14,813
14,995
14,901
14,187
14,482
14,671

446,290
446,762
445,506
451,264
455,387
459,454
465,825
475,813
490,086
498,271
498,663
504,760
518,242
529,656
536,265
538,986
545,345
547,361
548,623
551,325
561,256
578,661
570,660
567,692
572,145
588,373
583,261
590,652

cartera bruta con atraso mayor a 90 das.

adas a travs del propio banco o a travs de un terecero. Excluye los depsitos interbancarios.

uracin y el Comercial Santiago por informacin no disponible.

MINICANA: INDICADORES BSICOS DEL SISTEMA BANCARIO 1/

DATOS EN MILLONES DE PESOS
Depsitos

Depsitos

Totales 10/

Promedio

283,815
277,403
275,438
282,118
290,011
292,738
294,595
296,355
298,767
306,666
309,068
316,087
300,749
304,466
325,314
332,643
343,557
352,810
351,886
358,238
362,436
364,961
368,922
369,332
371,696
377,825
390,540
388,246
385,662
381,501
376,286
384,958
385,950
384,286
389,937
400,842
402,730
402,711

283,815
280,609
278,885
279,694
281,757
283,587
285,160
286,559
287,916
289,791
291,543
293,588
300,749
302,607
310,176
315,793
321,346
326,590
330,203
333,708
336,900
339,706
342,362
344,609
371,696
374,760
380,020
382,077
382,794
382,578
381,679
382,089
382,518
382,695
383,353
384,811
402,730
402,721

Patrimonio 11/

27,337
30,357
28,841
28,933
30,121
30,206
30,222
30,491
31,440
32,620
33,716
35,885
35,688
36,506
35,236
35,865
36,296
37,331
38,424
39,370
40,372
40,867
41,171
41,652
42,159
42,781
40,802
42,103
43,025
44,210
44,980
45,708
46,708
47,271
47,865
46,388
45,819
46,466

Patrimonio

Capital

Ing. Fros.

Ingreso Financ.

Promedio

Primario 12/

Totales

Prstamos 13/

27,337
28,847
28,845
28,867
29,118
29,299
29,431
29,564
29,772
30,057
30,390
30,848
35,688
36,097
35,810
35,824
35,918
36,154
36,478
36,840
37,232
37,596
37,921
38,232
42,159
42,470
41,914
41,961
42,174
42,513
42,866
43,221
43,608
43,975
44,328
44,500
45,819
46,143

23,852
26,864
27,383
25,259
25,384
24,841
24,842
25,268
26,234
27,055
27,829
28,745
25,933
26,206
30,845
31,515
31,539
31,753
32,363
32,464
32,714
32,714
33,047
30,964
31,977
31,977
32,820
32,921
32,974
33,244
33,275
33,276
33,468
33,530
33,534
33,637
34,115
34,116

3,097
5,971
9,002
12,001
15,203
18,192
21,360
24,559
27,787
31,073
34,265
37,592
3,263
6,247
9,775
13,010
16,385
19,618
23,071
26,494
29,872
33,537
37,138
40,708
3,656
7,260
10,977
14,950
18,860
22,999
27,455
31,942
36,886
41,914
46,779
52,204
5,497
10,603

2,771
5,361
7,961
10,556
13,426
16,174
18,988
21,835
24,731
27,617
30,482
33,505
2,990
5,754
8,919
11,831
14,931
17,890
21,060
24,207
27,310
30,624
33,941
37,331
3,405
6,777
10,181
13,770
17,408
21,274
25,342
29,521
34,053
38,558
43,029
48,066
4,998
9,524

414,537
415,972
418,180
424,018
429,496
434,064
438,428
447,531
459,625
462,861
471,980
478,827
485,873
496,911
504,360
506,890
511,318
513,245
513,283
514,804
523,115
536,886
532,135
530,831
536,396
551,584
549,101
546,214

406,660
408,988
410,826
413,025
415,378
417,714
420,015
422,767
426,118
429,179
471,980
475,403
478,893
483,398
487,590
490,807
493,737
496,176
498,076
499,749
501,873
504,791
532,135
531,483
533,121
537,737
540,009
541,044

42,737
43,789
44,608
45,952
46,817
47,515
48,292
49,104
50,016
49,744
50,621
51,643
48,908
49,847
51,019
50,510
51,530
52,456
53,487
54,210
57,668
58,991
59,937
61,164
59,388
59,346
61,325
62,472

45,007
44,703
44,684
44,895
45,170
45,463
45,777
46,110
46,465
46,738
50,621
51,132
50,391
50,255
50,408
50,425
50,582
50,817
51,113
51,423
51,991
52,574
59,937
60,550
60,163
59,959
60,232
60,605

35,149
36,274
36,330
36,862
36,870
36,873
37,497
37,498
37,500
37,816
38,769
38,807
40,244
40,296
40,573
40,634
40,637
41,208
41,237
41,237
43,626
43,630
44,689
44,825
48,766
50,844
51,483
51,476

16,102
21,532
26,580
31,664
36,771
41,765
46,588
51,497
56,410
61,587
4,741
9,448
14,494
19,745
24,924
30,112
34,907
40,098
45,109
50,012
56,262
61,445
5,292
10,690
16,205
21,977
27,998
34,035

14,355
18,998
23,383
27,932
32,325
36,651
40,908
45,087
49,246
53,507
3,956
7,943
12,029
16,186
20,419
24,598
28,693
32,780
36,888
40,931
46,333
50,817
4,374
8,719
13,204
17,820
22,763
27,685

Ing. Fro. Prest.

Gast. Fros.

Gasto Financ.

Gasto Financ.

Gasto Admi-

Gasto Adm.

Utilidad

anualizado

Totales

por Captacin 14/

anualizado

nistrativo 15/

anualizado

antes ISR 16/

33,251
32,168
31,846
31,669
32,221
32,347
32,550
32,753
32,975
33,140
33,253
33,505
35,881
34,524
35,674
35,494
35,835
35,780
36,102
36,310
36,413
36,749
37,027
37,331
40,864
40,663
40,726
41,310
41,779
42,549
43,444
44,282
45,404
46,269
46,940
48,066
59,979
57,145

1,351
2,620
3,923
5,223
6,547
7,758
9,035
10,257
11,415
12,514
13,615
14,696
999
2,021
3,293
4,398
5,528
6,634
7,810
8,962
10,100
11,219
12,319
13,300
1,110
2,249
3,431
4,558
5,752
6,963
8,404
10,118
11,933
14,039
16,171
18,491
2,403
4,751

1,331
2,584
3,872
5,153
6,462
7,655
8,914
10,122
11,263
12,347
13,422
14,483
986
1,994
3,244
4,335
5,451
6,546
7,705
8,844
9,973
11,076
12,163
13,126
1,090
2,208
3,369
4,463
5,628
6,805
8,206
9,881
11,656
13,270
15,812
18,031
2,347
4,556

15,976
15,502
15,486
15,459
15,508
15,310
15,281
15,183
15,017
14,816
14,642
14,483
11,834
11,964
12,976
13,006
13,082
13,091
13,209
13,266
13,298
13,291
13,269
13,126
13,080
13,250
13,475
13,390
13,508
13,609
14,067
14,821
15,541
15,924
17,250
18,031
28,159
27,337

1,679
3,435
5,322
7,217
9,236
12,211
14,487
16,662
18,830
21,268
23,506
26,011
1,957
3,914
6,357
8,712
11,138
13,404
15,841
18,355
20,576
23,287
25,812
28,616
2,478
4,732
7,419
10,168
12,760
15,407
18,334
20,881
23,643
26,511
29,168
32,354
2,735
5,427

20,144
20,611
21,290
21,652
22,167
24,423
24,834
24,992
25,107
25,522
25,643
26,011
23,481
23,486
25,429
26,137
26,732
26,808
27,156
27,533
27,435
27,945
28,158
28,616
29,738
28,395
29,675
30,505
30,623
30,813
31,430
31,322
31,523
31,813
31,820
32,354
32,818
32,563

426
753
1,199
1,418
3,214
3,725
3,893
4,377
4,972
5,518
5,876
7,259
968
1,724
2,523
3,360
4,052
5,181
5,835
6,549
7,443
8,134
9,035
10,592
649
1,504
2,898
4,568
5,923
7,253
8,151
9,013
10,080
10,689
11,528
12,603
938
1,932

57,419
56,994
56,119
55,865
55,414
54,977
54,544
54,105
53,723
53,507
47,472
47,657
48,117
48,559
49,006
49,196
49,188
49,170
49,184
49,117
50,545
50,817
52,488
52,314
52,818
53,460
54,632
55,370

7,097
9,377
11,387
13,210
14,989
16,664
18,260
19,717
21,128
22,435
1,277
2,518
3,771
5,033
6,365
7,587
8,889
10,257
11,616
12,932
14,439
15,654
1,430
2,872
4,401
6,013
7,626
9,354

6,795
8,860
10,803
12,580
14,316
15,949
17,508
18,930
20,285
21,556
1,210
2,385
3,582
4,779
6,018
7,179
8,430
9,681
10,948
12,208
13,663
15,015
1,334
2,718
4,179
5,722
7,268
8,905

27,178
26,580
25,928
25,160
24,542
23,924
23,345
22,716
22,129
21,556
14,519
14,310
14,327
14,338
14,443
14,357
14,452
14,521
14,598
14,650
14,905
15,015
16,010
16,306
16,717
17,167
17,442
17,810

8,322
11,135
13,824
16,499
19,495
22,445
25,458
28,514
31,656
35,677
2,832
5,724
8,825
11,978
15,213
18,543
21,647
24,869
26,841
30,009
33,798
37,751
3,260
6,441
10,047
13,569
17,051
20,687

33,290
33,405
33,178
32,997
33,421
33,668
33,943
34,217
34,534
35,677
33,983
34,344
35,301
35,935
36,510
37,086
37,109
37,304
35,789
36,010
36,871
37,751
39,120
38,644
40,188
40,707
40,924
41,374

3,065
3,866
4,838
5,974
6,969
7,881
8,863
9,899
11,088
11,843
1,197
2,451
4,170
5,436
6,663
8,017
9,355
10,546
11,767
12,593
13,998
15,383
1,384
2,826
3,313
5,535
7,189
8,407

CONSEJO MONETARIO CENTROAMERICANO

SECRETARA EJECUTIVA

REP

Utilid. a/ISR

Nmero

anualizado

Bancos

5,108
4,517
4,798
4,254
7,713
7,450
6,674
6,566
6,630
6,621
6,410
7,259
11,615
10,341
10,093
10,081
9,724
10,363
10,003
9,823
9,923
9,760
9,856
10,592
7,790
9,022
11,594
13,705
14,214
14,505
13,973
13,519
13,440
12,826
12,576
12,603
11,257
11,594

12
12
12
12
12
12
12
12
12
12
12
12
11
12
13
13
13
13
13
13
13
13
13
12
12
12
12
12
12
12
12
12
12
12
12
12
12
12

Ao

2006

2007

2008

2009

Mes

Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero

PATRI/AT

Leverage

7.8
8.7
8.4
8.2
8.4
8.3
8.2
8.2
8.4
8.5
8.7
9.0
8.8
8.9
8.7
8.6
8.5
8.6
8.9
8.9
9.0
9.1
9.0
9.0
9.1
9.0
8.4
8.7
8.9
9.1
9.4
9.4
9.5
9.7
9.6
9.1
9.1
9.2

13.6
11.9
11.5
12.8
13.0
13.4
13.6
13.4
13.1
13.0
12.7
12.6
14.3
14.2
12.0
12.1
12.3
12.5
12.2
12.4
12.5
12.5
12.6
13.6
13.2
13.5
13.5
13.5
13.4
13.3
13.0
13.3
13.2
13.1
13.4
13.8
13.5
13.4

12,260
11,599
11,612
11,948
11,946
11,821
11,817
11,879
12,095
11,843
14,364
14,707
16,681
16,308
15,991
16,035
16,038
15,820
15,690
15,112
15,271
15,383
16,608
16,957
13,251
16,604
17,254
16,814

12
12
12
12
12
12
12
12
12
12
12
12
12
12
13
13
13
13
13
13
14
14
14
14
15
15
15
15

2010

2011

Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre
Enero
Febrero
Marzo
Abril
Mayo
Junio
Julio
Agosto
Septiembre
Octubre
Noviembre
Diciembre

8.3
8.5
8.6
8.8
8.9
8.9
8.9
8.9
8.8
8.7
8.8
8.8
8.2
8.2
8.3
8.2
8.3
8.4
8.5
8.5
8.9
8.9
9.1
9.3
9.0
8.8
9.1
9.2

13.4
13.0
13.0
12.9
13.1
13.2
13.1
13.4
13.8
13.9
13.6
13.7
13.6
13.8
13.9
13.9
14.1
14.0
14.0
14.1
13.5
13.9
13.4
13.3
12.3
12.1
11.9
12.0

*/ Millones de US dlares.

DEFINICION DE INDICADORES:
1. PATRI/AT

= Patrimonio/Activo Total

2. Leverage

= Activo Total-Patrimonio/Capital Primario

3. CV-Prov/Kpri
4. CV/CrT

= Cartera Vencida-Provisiones/Capital primario

= Cartera Vencida/Crdito total

5. Prov/CV

= Provisiones prdida cartera/Cartera vencida

6. DT/CrT

= Depsitos Totales / Crdito Total

7. CrT/AT

= Crdito Total/Activo Total

8. GAD/ATp

= Gasto Administrativo anualizado/Activo total promedio

9. AT/ENT

= Activo Total/Nmero Entidades (Mill de US$)

10. UT/PATRp

= Utilidad antes de impuesto sobre renta/Patrimonio Prome

11. UT/ATp

= Utilidad antes ISR/Activo Total Promedio (ROA)

12. MARGEN

= Margen de intermediacin financiera implcito

(Ing. Fros por Prest. Anualizados/Prest. Prom - Gastos Fros.

13. DIS+IF/PT

= Disponibilidades+Inversiones Financieras/Pasivo Total

REPBLICA DOMINICANA: INDICADORES FINANCIEROS

PORCENTAJES

CV-Prov/Kpri

CV/CrT

Prov/CV

DT/CrT

CrT/AT

GAD/ATp

AT/ENT */

(5.0)
(7.5)
(7.0)
(7.2)
(5.0)
(4.0)
(5.8)
(7.0)
(8.3)
(7.7)
(10.8)
(14.7)
(13.4)
(11.8)
(10.7)
(10.0)
(8.8)
(9.7)
(10.9)
(8.7)
(10.5)
(9.0)
(3.9)
(11.0)
(10.0)
(8.5)
(9.4)
(7.8)
(7.8)
(9.8)
(8.7)
(9.7)
(9.2)
(7.4)
(4.7)
(10.7)
(8.1)
(7.3)

7.0
6.1
6.1
6.1
6.4
7.4
7.3
7.0
6.4
6.4
5.9
4.7
4.7
5.0
5.2
5.3
5.4
5.0
4.8
5.1
4.7
4.9
5.4
4.0
4.2
4.4
4.2
4.3
4.2
3.6
3.8
3.7
3.8
3.8
4.0
3.4
3.8
3.9

110.9
121.2
119.9
118.6
112.2
108.0
111.7
114.3
119.2
118.0
127.2
146.0
138.6
132.3
131.7
129.0
124.4
128.0
133.4
124.9
131.7
125.8
109.9
134.5
130.6
124.2
128.3
122.6
122.7
132.8
128.3
131.6
130.0
123.9
114.1
137.0
125.7
122.5

181.0
178.0
175.5
175.4
176.5
173.8
172.8
170.2
169.2
167.7
164.8
160.8
157.6
159.2
161.8
160.8
161.8
160.2
160.0
160.3
158.5
155.9
153.3
149.4
148.7
149.2
149.9
146.0
142.1
139.3
139.8
141.1
141.9
140.5
139.6
139.9
142.6
143.5

44.6
44.7
45.6
45.6
45.7
46.4
46.5
47.0
47.2
47.6
48.5
49.6
47.0
46.7
49.5
49.7
49.9
50.6
50.7
50.4
51.0
51.9
52.7
53.5
53.9
53.5
53.7
54.7
56.0
56.4
56.4
55.9
55.5
56.1
56.1
56.1
55.8
55.6

5.7
5.9
6.1
6.2
6.3
6.9
7.0
7.0
7.0
7.1
7.0
7.1
5.8
5.8
6.2
6.4
6.5
6.4
6.5
6.5
6.5
6.5
6.5
6.6
6.4
6.1
6.3
6.4
6.4
6.4
6.6
6.5
6.5
6.6
6.6
6.7
6.5
6.4

844.2
887.6
881.6
908.4
909.2
918.3
928.1
937.8
926.9
948.4
962.4
978.7
1,100.9
1,024.9
967.3
986.8
1,012.8
1,008.5
1,021.2
1,029.6
1,031.8
1,034.4
1,046.8
1,133.6
1,136.3
1,165.6
1,192.2
1,191.4
1,187.3
1,180.8
1,155.2
1,165.4
1,169.6
1,161.6
1,167.7
1,208.0
1,187.8
1,180.0

(4.9)
(4.7)
(2.7)
(4.1)
(1.2)
(3.0)
(2.8)
(3.3)
(0.9)
(3.2)
(1.6)
0.3
0.7
(1.4)
(3.2)
(5.5)
(4.6)
(3.5)
(3.4)
(6.0)
(5.7)
(8.0)
(7.4)
(7.5)
(7.7)
(6.9)
(7.0)
(7.3)

rimonio/Capital Primario

da-Provisiones/Capital primario

dida cartera/Cartera vencida

es / Crdito Total

4.2
4.5
4.7
4.2
4.7
4.5
4.4
4.3
4.5
4.2
4.4
4.5
4.4
4.1
3.9
3.4
3.5
3.7
3.7
3.4
3.4
3.0
3.1
3.1
2.9
2.8
2.8
2.8

114.5
113.4
107.2
112.2
103.2
108.5
108.0
109.3
102.5
109.0
104.4
99.2
98.2
104.1
109.7
118.5
114.8
110.9
110.5
119.9
119.8
131.2
128.8
128.9
133.7
132.8
133.1
134.3

146.6
146.9
145.2
143.8
145.4
147.2
145.0
144.5
147.3
143.7
146.3
146.1
141.6
142.6
145.0
142.6
143.1
142.4
143.2
139.6
140.3
145.5
144.6
141.3
141.7
144.7
143.3
139.6

55.0
54.9
55.8
56.4
55.9
55.3
55.9
56.1
55.0
56.0
56.0
56.2
57.7
57.4
56.5
57.6
57.2
57.4
56.9
58.2
57.5
55.4
55.8
57.1
57.3
56.4
56.9
57.3

6.6
6.5
6.5
6.4
6.5
6.5
6.5
6.5
6.5
6.7
5.9
5.9
6.0
6.1
6.1
6.2
6.2
6.2
5.9
5.9
6.0
6.1
5.9
5.9
6.1
6.1
6.1
6.2

1,196.0
1,197.5
1,197.4
1,213.2
1,222.5
1,232.0
1,249.7
1,275.0
1,309.4
1,328.6
1,325.6
1,337.9
1,360.6
1,377.2
1,284.1
1,287.6
1,300.5
1,304.9
1,303.0
1,308.0
1,240.4
1,267.4
1,252.6
1,242.1
1,161.9
1,189.4
1,182.2
1,194.9

trativo anualizado/Activo total promedio

mero Entidades (Mill de US$)

de impuesto sobre renta/Patrimonio Promedio (ROE)

SR/Activo Total Promedio (ROA)

rmediacin financiera implcito

est. Anualizados/Prest. Prom - Gastos Fros. por Captacin Anualizados/Captaciones Promedios)

s+Inversiones Financieras/Pasivo Total

UT/PATRp

UT/ATp

MARGEN

DIS+IF/PT

18.7
15.7
16.6
14.7
26.5
25.4
22.7
22.2
22.3
22.0
21.1
23.5
32.5
28.6
28.2
28.1
27.1
28.7
27.4
26.7
26.7
26.0
26.0
27.7
18.5
21.2
27.7
32.7
33.7
34.1
32.6
31.3
30.8
29.2
28.4
28.3
24.6
25.1

1.5
1.3
1.4
1.2
2.2
2.1
1.9
1.8
1.8
1.8
1.8
2.0
2.9
2.5
2.5
2.5
2.4
2.5
2.4
2.3
2.3
2.3
2.3
2.4
1.7
1.9
2.4
2.9
3.0
3.0
2.9
2.8
2.8
2.7
2.6
2.6
2.2
2.3

15.6
15.1
14.8
14.6
14.8
14.8
14.7
14.7
14.8
14.8
14.7
14.7
14.9
14.1
14.2
13.9
13.8
13.6
13.5
13.5
13.3
13.4
13.3
13.3
12.8
12.6
12.5
12.5
12.5
12.7
12.8
12.9
13.0
13.2
13.1
13.2
14.2
13.5

49.1
49.2
48.3
48.0
48.6
48.8
48.4
47.7
46.8
46.8
46.4
45.8
46.4
47.3
45.7
45.6
45.7
45.3
45.1
45.6
45.2
44.5
43.7
43.1
42.6
43.1
42.7
41.6
40.0
39.5
39.4
40.2
40.6
40.0
40.0
40.7
40.8
41.2

27.2
25.9
26.0
26.6
26.4
26.0
25.8
25.8
26.0
25.3
28.4
28.8
33.1
32.5
31.7
31.8
31.7
31.1
30.7
29.4
29.4
29.3
27.7
28.0
22.0
27.7
28.6
27.7

2.4
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.2
2.5
2.5
2.9
2.8
2.7
2.7
2.7
2.6
2.6
2.5
2.5
2.5
2.5
2.6
2.0
2.5
2.6
2.5

13.7
13.7
13.5
13.5
13.4
13.4
13.3
13.2
13.1
13.1
11.6
11.6
11.5
11.5
11.5
11.5
11.4
11.3
11.2
11.1
11.4
11.4
11.3
11.0
11.0
11.0
11.2
11.3

41.2
41.6
40.5
40.0
40.8
41.6
41.1
41.0
42.1
41.3
41.3
41.4
39.4
39.7
40.8
39.5
40.2
40.0
40.3
39.0
40.0
41.7
41.0
40.8
40.0
40.7
39.8
39.1

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
PATRIMONIO / ACTIVO TOTAL
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

10.2
10.1
9.8
9.7
9.8
9.6
10.5
10.3
10.0
10.2
10.1
9.9
10.9
10.7
10.5
10.5
10.4
10.0
10.8
10.7
10.6
10.6
10.4
9.9
10.1
9.9
9.8
9.8
9.5
9.4
9.9
9.8
9.8
9.7
9.7
10.1
11.1
11.1
11.0

11.2
10.8
10.9
10.9
11.2
11.2
11.2
11.6
11.4
11.6
11.7
11.7
11.9
11.6
11.5
11.7
11.7
11.6
11.5
11.6
11.6
11.9
11.9
11.7
11.8
11.8
11.7
11.8
12.1
12.2
12.3
12.2
12.2
12.4
12.3
12.5
12.6
12.5
12.7

7.9
8.1
8.5
8.3
8.5
9.0
9.1
9.1
9.2
8.5
8.2
8.1
7.8
8.2
8.3
8.5
8.6
8.5
8.6
8.7
8.6
8.9
8.9
9.0
9.0
9.1
9.2
9.3
9.3
9.4
9.4
9.9
9.9
10.1
10.1
10.0
9.7
9.7
9.8

9.5
9.5
9.4
9.2
9.3
9.2
9.4
9.3
9.4
9.5
9.6
9.6
9.7
9.6
9.6
9.3
9.6
9.6
9.9
9.9
9.7
9.8
9.9
9.8
9.9
10.0
9.9
10.0
10.1
10.1
10.3
10.4
10.6
10.7
10.7
10.8
10.9
10.7
10.8

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

11.0
11.0
11.2
11.2
11.3
11.3
11.5
11.6
11.5
11.6
11.8
11.8
12.0
11.8
11.8
12.0
12.1
12.1
12.2
12.0
12.1
12.0
12.2
12.1
12.2
12.3
12.4

12.6
12.8
12.9
13.1
13.0
13.1
13.2
13.0
12.9
12.9
12.8
12.8
12.9
12.9
13.2
13.3
13.3
13.5
13.5
13.5
13.6
13.8
12.9
13.0
12.7
13.0
13.3

10.0
10.0
9.9
10.0
10.2
10.2
10.2
10.3
10.2
9.9
9.9
10.0
10.0
10.0
10.0
10.2
10.2
10.3
10.3
10.4
10.0
9.5
9.3
9.2
9.1
9.0
8.9

10.5
10.6
10.7
10.8
10.9
10.9
10.9
10.9
11.0
11.0
10.8
10.7
10.7
10.9
10.9
10.9
11.1
11.2
11.2
11.1
10.9
10.8
10.5
10.5
10.3
10.4
10.3

0.0

0.0

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

PATRIMONIO / ACTIVO TOTAL
Porcentaje
AOS

CR

ES

GT

HD

2006
2007
2008
2009
2010
2011

10.0
10.5
9.8
11.2
11.9
12.2

11.3
11.7
12.1
12.9
13.2
13.1

8.5
8.5
9.6
10.0
10.1
9.2

9.4
9.7
10.3
10.8
11.0
10.5

ICADORES BANCARIOS

CTIVO TOTAL
NI

RD

CARD

PA

8.8
8.9
9.4
9.2
9.1
9.2
9.2
9.3
9.2
9.4
9.7
9.7
9.5
9.7
9.7
9.7
9.5
9.6
9.5
9.6
9.5
9.4
9.4
9.7
9.5
9.5
9.4
9.4
9.5
9.5
9.7
9.8
9.7
10.1
10.2
10.4
10.4
10.4
10.6

7.6
8.4
8.0
7.9
8.1
8.2
8.0
8.0
8.3
8.4
8.5
8.8
8.8
8.9
8.7
8.6
8.5
8.6
8.9
8.9
9.0
9.1
9.0
9.0
9.1
9.0
8.4
8.7
8.9
9.1
9.4
9.4
9.5
9.7
9.6
9.1
9.1
9.2
8.3

9.2
9.3
9.3
9.2
9.3
9.4
9.6
9.7
9.7
9.6
9.6
9.6
9.8
9.8
9.7
9.7
9.7
9.6
9.9
9.9
9.9
10.0
10.0
9.8
9.9
9.9
9.7
9.8
9.9
10.0
10.2
10.3
10.3
10.4
10.4
10.4
10.6
10.6
10.5

13.2
13.0
12.8
12.8
12.7
12.4
12.4
12.6
12.6
12.4
11.5
12.0
12.3
12.6
12.6
12.7
12.7
12.5
14.3
14.2
14.3
14.2
14.0
13.5
13.5
13.5
13.5
13.6
13.7
13.5
13.6
13.6
13.5
13.3
13.3
13.2
13.5
13.3
13.3

10.7
10.7
10.5
10.1
10.1
10.1
9.9
9.8
9.7
9.3
9.3
9.3
9.1
9.0
9.1
8.9
9.2
9.3
9.2
9.3
9.5
9.4
9.3
9.3
9.3
9.4
9.1

8.5
8.6
8.8
8.9
8.9
8.9
8.9
8.8
8.7
8.8
8.8
8.2
8.2
8.3
8.2
8.3
8.4
8.5
8.5
8.9
8.9
9.1
9.3
9.0
8.8
9.1
9.2

10.5
10.6
10.7
10.7
10.8
10.8
10.9
10.8
10.7
10.7
10.7
10.6
10.6
10.6
10.6
10.8
10.9
11.0
11.0
11.0
10.9
10.9
10.7
10.6
10.5
10.6
10.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0

13.5
11.9
11.9
12.1
11.9
11.9
12.0
11.9
11.6
11.8
12.0
12.0
12.1
12.1
12.0
12.2
12.1
12.1
12.3
12.3
12.3
12.0
12.1
12.0
12.0
12.4

NI

RD

CARD

PA

9.3
9.6
9.7
10.2
9.2
9.3

8.4
8.8
9.2
8.8
8.5
9.1

9.5
9.8
10.1
10.7
10.8
10.7

12.5
13.3
13.5
12.4
12.1
12.1

E LOS INDICADORES BANCARIOS

NIO / ACTIVO TOTAL

Porcentaje

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
CARTERA VENCIDA - PROVISIONES /CAPITAL PRIMARIO
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

-6.6
-6.9
-6.7
-6.0
-6.0
-6.2
-6.4
-6.3
-5.3
-7.0
-9.8
-8.1
-5.6
-6.5
-5.6
-4.9
-4.7
-4.4
-3.4
-3.6
-3.5
-3.9
-3.7
-4.0
-4.7
-5.5
-4.4
-3.8
-5.0
-4.6
-3.5
-3.7
-3.4
-2.6
-2.2
-0.8
0.4
1.7
1.3

-3.9
-3.6
-4.4
-3.9
-3.4
-3.7
-2.1
-2.1
-1.9
-1.3
-1.7
-2.8
-1.9
-1.7
-2.6
-2.5
-2.5
-3.8
-3.0
-3.0
-2.9
-2.2
-2.5
-3.6
-3.0
-2.2
-1.8
-1.7
-1.0
-2.6
-1.9
-0.9
-1.6
-0.8
0.0
-2.3
-2.4
-2.0
-1.5

2.8
3.4
2.1
2.4
2.0
1.1
0.5
0.5
-0.2
1.6
2.3
1.1
1.7
1.6
1.6
-0.3
0.9
-0.5
-0.7
1.6
0.1
0.0
0.0
-0.8
11.1
9.5
10.2
9.8
8.9
6.6
6.8
7.7
7.7
8.4
8.9
5.7
6.8
6.1
5.6

21.8
20.9
19.0
19.7
18.6
17.1
18.5
16.1
14.7
17.5
17.5
9.2
11.8
12.2
9.6
8.8
10.7
7.0
7.5
8.2
8.7
9.6
13.4
5.8
9.0
7.5
9.1
9.8
12.1
8.6
11.3
13.0
13.5
16.2
19.9
9.3
15.3
17.9
16.8

-20.3
-20.8
-19.3
-15.8
-12.6
-13.5
-13.8
-14.4
-13.3
-13.3
-13.2
-15.0
-14.2
-14.1
-14.4
-13.2
-11.7
-12.3
-11.7
-11.5
-10.8
-10.4
-10.7
-11.1
-10.7
-7.8
-9.1
-10.8
-11.0
-10.5
-11.0
-8.8
-10.9
-11.0
-8.5
-8.6
-8.9
-10.4
-10.2

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

1.2
2.6
3.3
0.0
3.3
2.6
2.1
2.0
1.5
1.7
1.4
1.6
2.6
2.9
1.4
2.2
2.7
2.2
2.3
1.7
0.9
2.0
1.4
2.0
2.5
3.5
3.3

-1.3
0.3
-0.2
-0.5
-0.4
0.5
0.9
0.5
-2.8
-2.9
-2.7
-2.6
-2.2
-0.9
-0.4
-0.8
-0.6
0.6
-0.3
-0.9
-1.9
-1.4
-1.5
-1.2
-1.4
-0.7
-0.7

6.8
8.9
7.5
8.1
8.1
6.9
6.9
6.0
2.4
2.4
1.3
-0.4
0.2
1.0
-0.2
0.5
0.1
-1.3
-1.7
-1.7
-2.6
-2.6
-3.8
-4.7
-4.4
-3.7
-4.8

23.3
20.2
19.5
20.9
20.7
20.8
20.7
19.8
8.6
10.0
9.8
8.8
9.8
8.9
7.8
4.9
6.0
6.9
6.6
4.2
-1.9
-0.4
-1.4
-1.9
-0.4
-1.2
-4.5

-7.0
-4.7
-5.7
-7.1
-6.0
-4.9
-4.2
-4.3
-11.4
-11.5
-11.8
-10.6
-9.8
-8.1
-10.2
-11.4
-13.3
-13.8
-15.2
-15.5
-7.1
-6.4
-6.6
-7.1
-8.0
-8.4
-9.1

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

CARTERA VENCIDA - PROVISIONES /CAPITAL PRIMARIO
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

-6.8
-4.5
-3.7
1.8
2.0
2.4

-2.9
-2.7
-1.6
-0.7
-1.3
-1.2

1.6
0.4
8.4
6.7
-0.2
-4.0

17.6
9.5
11.6
18.7
6.8
-1.6

-15.4
-12.2
-9.9
-7.1
-11.5
-7.6

ES BANCARIOS

APITAL PRIMARIO
RD

CARD

PA

0.0
-1.2
-5.2
-6.5
-4.2
-10.2
-9.5
-6.4
-11.3
-11.7
-12.4
-15.1
-13.4
-11.8
-10.7
-10.0
-8.8
-9.7
-10.9
-8.7
-10.5
-9.0
-3.9
-11.0
-10.0
-8.5
-9.4
-7.8
-7.8
-9.8
-8.7
-9.7
-9.2
-7.4
-4.7
-10.7
-8.1
-7.3
-4.9

-4.3
-3.5
-4.7
-4.8
-4.2
-5.4
-5.2
-4.9
-5.8
-5.8
-6.4
-7.5
-6.0
-5.7
-5.8
-6.0
-5.3
-6.0
-5.9
-5.0
-5.4
-5.0
-3.6
-5.9
-3.1
-2.8
-2.6
-2.5
-2.7
-4.0
-3.4
-3.0
-3.3
-2.3
-1.2
-4.1
-2.9
-2.6
-2.1

-1.5
-1.5
-1.4
-2.6
-2.4
-2.2
-2.2
-2.2
-2.1
-2.3
-2.5
-2.0
-2.2
-2.1
-1.9
-1.5
-1.3
-2.5
-2.0
-1.6
-1.3
-1.4
-2.3
-2.0
-2.3
-1.9
-1.9
-2.1
-1.6
-2.2
-2.3
-1.6
-1.6
-1.7
-1.5
-0.3
-1.0
-1.3
-1.3

-4.7
-2.7
-4.1
-1.2
-3.0
-2.8
-3.3
-0.9
-3.2
-1.6
0.3
0.7
-1.4
-3.2
-5.5
-4.6
-3.5
-3.4
-6.0
-5.7
-8.0
-7.4
-7.5
-7.7
-6.9
-7.0
-7.3

-1.5
-0.3
-1.0
-1.4
-0.6
-0.9
-0.9
-0.7
0.4
0.9
1.0
0.7
1.0
1.1
0.0
0.0
0.3
0.3
-0.5
-1.0
-2.5
-1.8
-2.4
-2.6
-2.1
-1.7
-2.4

-1.4
-1.5
-1.2
-1.0
-0.3
-0.4
-0.4
-0.6
-2.3
-1.2
-1.5
-1.5
-1.7
-1.4
-1.5
-1.3
-0.9
-1.1
-1.4
-1.2
-2.1
-1.8
-1.8
-1.8
-2.3
-2.0

RD

CARD

PA

-7.1
-9.9
-8.6
-3.9
-3.5
-7.3

-1.9
-3.0
0.1
3.0
0.1
-2.1

-2.1
-1.8
-1.7
-1.1
-1.4
-1.9

RES BANCARIOS

APITAL PRIMARIO

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
CARTERA VENCIDA / PRSTAMOS BRUTOS TOTALES

2006

2007

2008

2009

MESES

CR

ES

GT

HD

NI

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

1.5
1.5
1.5
1.6
1.6
1.6
1.6
1.6
1.7
1.6
1.5
1.5
1.6
1.6
1.6
1.7
1.7
1.5
1.5
1.5
1.4
1.4
1.4
1.4
1.4
1.4
1.4
1.6
1.4
1.4
1.4
1.4
1.4
1.5
1.6
1.8
2.0
2.2
2.1

2.0
2.0
1.9
2.0
2.1
2.0
2.1
2.1
2.1
2.1
2.1
1.9
2.1
2.1
2.0
2.1
2.2
2.1
2.1
2.1
2.1
2.3
2.2
2.1
2.2
2.3
2.4
2.4
2.5
2.4
2.5
2.7
2.7
2.9
3.1
2.8
3.0
3.0
3.2

2.5
2.7
2.6
2.6
2.6
2.5
2.4
2.4
2.4
2.7
2.8
2.3
2.4
2.3
2.3
2.2
2.3
2.1
2.2
2.0
1.9
1.8
1.9
1.6
3.0
2.8
2.9
3.0
2.7
2.6
2.5
2.6
2.6
2.7
2.7
2.3
2.6
2.7
2.6

6.3
6.2
5.8
5.9
5.7
5.5
5.8
5.4
5.2
5.4
5.1
4.2
4.4
4.4
4.1
4.3
4.4
4.1
4.1
4.0
4.0
4.1
4.0
3.2
3.5
3.4
3.6
3.9
4.1
3.7
4.1
4.3
4.3
4.8
5.3
4.6
5.3
5.8
5.8

2.2
2.1
2.1
2.2
2.4
2.1
2.0
2.0
2.1
2.1
2.2
2.0
2.1
2.2
2.1
2.3
2.4
2.3
2.4
2.5
2.6
2.6
2.6
2.5
2.6
2.9
2.8
2.8
2.9
2.8
2.7
3.0
2.8
2.7
2.8
2.9
2.8
2.5
2.7

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

2.2
2.4
2.5
2.5
2.6
2.6
2.5
2.3
2.3
2.4
2.3
2.4
2.5
2.6
2.4
2.4
2.5
2.4
2.3
2.2
2.0
2.2
2.1
2.2
2.3
2.4
2.4

3.3
3.6
3.7
3.7
3.9
4.1
4.2
4.2
3.7
3.8
3.9
3.9
4.0
4.2
4.2
4.1
4.3
4.3
4.2
4.2
4.0
4.0
4.0
4.1
4.0
4.1
4.0

2.9
3.2
3.0
3.3
3.3
3.2
3.2
3.0
2.7
2.9
2.8
2.7
2.7
2.9
2.8
2.9
2.8
2.7
2.6
2.5
2.1
2.2
2.1
1.9
2.0
2.1
1.9

6.7
6.4
6.4
6.6
6.3
6.2
6.3
6.2
4.9
5.1
5.1
4.9
5.1
5.1
5.0
4.6
4.8
4.9
4.9
4.5
3.8
4.2
4.1
4.0
4.5
4.4
3.8

2.7
2.9
2.9
2.9
3.1
3.4
3.6
3.6
3.2
3.2
3.1
3.0
3.2
3.5
3.4
3.3
2.5
2.3
2.2
2.1
2.9
3.2
3.2
3.1
3.0
3.0
2.9

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

CARTERA VENCIDA / PRESTAMOS BRUTOS TOTALES
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

1.6
1.5
1.5
2.3
2.4
2.3

2.0
2.1
2.6
3.6
4.1
4.0

2.6
2.1
2.7
3.0
2.7
2.0

5.5
4.1
4.1
6.1
4.8
4.2

2.1
2.4
2.8
3.0
2.9
3.1

CARIOS

OTALES
RD

CARD

PA

7.0
6.1
6.1
6.1
6.4
7.4
7.3
7.0
6.4
6.4
5.9
4.7
4.7
5.0
5.2
5.3
5.4
5.0
4.8
5.1
4.7
4.9
5.4
4.0
4.2
4.4
4.2
4.3
4.2
3.6
3.8
3.7
3.8
3.8
4.0
3.4
3.8
3.9
4.2

3.3
3.2
3.1
3.2
3.2
3.3
3.4
3.3
3.1
3.2
3.1
2.7
2.8
2.8
2.8
2.9
3.0
2.7
2.8
2.7
2.6
2.7
2.7
2.3
2.7
2.7
2.7
2.8
2.8
2.6
2.7
2.8
2.8
2.9
3.1
2.8
3.1
3.2
3.3

1.7
1.7
1.7
1.5
1.5
1.5
1.5
1.5
1.5
1.4
1.4
1.4
1.4
1.4
1.4
1.5
1.5
1.5
1.5
1.6
1.6
1.6
1.4
1.4
1.3
1.4
1.4
1.3
1.3
1.2
1.2
1.3
1.4
1.3
1.4
1.6
1.5
1.4
1.5

4.5
4.7
4.2
4.7
4.5
4.4
4.3
4.5
4.2
4.4
4.5
4.4
4.1
3.9
3.4
3.5
3.7
3.7
3.4
3.4
3.0
3.1
3.1
2.9
2.8
2.8
2.8

3.6
3.7
3.7
3.9
3.8
3.9
3.8
3.8
3.4
3.5
3.5
3.5
3.5
3.6
3.4
3.3
3.4
3.3
3.2
3.1
2.8
3.0
2.9
2.8
2.9
3.0
2.8

1.4
1.4
1.4
1.5
1.6
1.6
1.6
1.6
1.2
1.5
1.4
1.4
1.3
1.4
1.4
1.4
1.4
1.3
1.2
1.2
1.1
1.1
1.1
1.1
1.0
1.0

RD

CARD

PA

6.4
5.0
3.9
4.3
3.8
2.9

3.2
2.7
2.8
3.6
3.3
2.9

1.5
1.5
1.3
1.5
1.3
1.1

RES BANCARIOS

RUTOS TOTALES

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA

DEPSITOS TOTALES / CRDITO TOTAL

MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

137.6
138.9
140.2
140.6
139.0
137.4
135.9
136.4
137.0
133.3
132.3
130.1
129.2
129.3
128.8
126.8
125.4
122.8
120.6
117.3
116.9
112.4
111.0
108.4
112.7
112.4
113.1
111.4
109.0
107.5
104.7
102.1
102.6
103.0
104.4
101.8
103.9
106.4
110.0

106.2
107.0
108.4
108.1
105.8
106.9
108.6
105.9
106.2
105.3
104.3
104.3
104.7
105.9
108.0
106.8
108.5
110.0
113.2
112.2
111.5
109.9
109.1
111.1
109.5
109.3
109.3
108.3
106.7
106.6
107.0
106.9
106.5
105.3
105.7
107.3
109.3
110.7
110.7

158.4
155.3
154.4
153.7
153.6
154.4
153.1
151.1
150.1
160.7
157.9
156.9
154.3
147.2
146.2
144.1
142.6
141.0
140.6
138.2
136.5
132.1
129.0
127.4
127.2
125.0
126.3
124.3
125.5
124.9
126.3
126.1
126.8
127.4
128.1
130.7
132.8
132.9
134.0

131.5
132.8
133.7
133.9
131.1
133.1
132.3
128.3
125.4
121.6
119.8
121.0
117.7
118.8
117.7
115.2
115.4
116.2
113.5
111.2
109.8
108.6
107.0
109.5
105.5
106.6
107.9
105.9
105.4
106.0
105.0
103.1
100.3
100.8
100.9
102.4
102.5
104.0
104.9

156.0
156.8
153.9
158.4
154.2
149.5
148.2
145.8
142.4
136.5
131.6
129.7
132.8
132.5
133.7
131.0
131.8
129.7
128.7
125.0
124.8
120.1
120.2
118.2
118.6
118.4
120.8
122.8
120.3
120.2
117.4
115.7
111.5
109.3
107.7
107.8
111.7
113.4
114.2

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

110.3
113.0
113.6
129.9
113.9
119.1
116.4
115.8
113.9
113.9
114.0
116.8
117.6
118.5
118.5
117.5
116.7
116.6
114.4
114.91
115.1
115.9
116.5
117.3
117.0
115.4
113.8

111.3
111.3
113.1
113.3
115.1
115.4
115.3
115.7
117.9
118.1
120.6
121.1
120.9
121.3
120.9
120.7
123.1
124.1
123.7
124.11
122.8
120.9
121.6
122.6
121.9
120.6
120.1

134.1
135.8
136.4
137.9
137.8
137.0
138.7
139.7
140.4
144.0
144.6
144.6
145.7
146.3
147.8
148.8
150.0
148.5
148.6
146.33
147.4
149.2
148.3
149.9
150.8
148.0
148.4

105.9
107.7
106.1
102.7
102.9
102.2
102.9
102.9
104.3
105.4
107.4
108.6
106.2
107.7
109.5
110.7
110.3
107.6
107.8
107.74
108.8
114.0
116.5
117.7
121.5
123.0
123.8

117.0
118.6
123.0
127.5
128.7
130.6
130.5
129.8
134.1
144.0
145.2
149.7
153.8
158.9
158.9
167.0
170.9
170.3
171.7
168.35
161.7
166.1
170.5
173.7
177.6
178.4
183.8

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

DEPOSITOS TOTALES / CREDITO TOTAL
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

136.6
120.7
107.1
113.8
116.2
116.0

106.4
109.2
107.4
113.3
121.8
121.3

155.0
139.9
126.5
136.5
146.9
149.1

128.7
113.4
104.2
104.1
108.1
119.4

146.9
127.4
115.9
123.3
160.1
175.0

TO TOTAL
RD

CARD

PA

181.0
178.0
175.5
175.4
176.5
173.8
172.8
170.2
169.2
167.7
164.8
160.8
157.6
159.2
161.8
160.8
161.8
160.2
160.0
160.3
158.5
155.9
153.3
149.4
148.7
149.2
149.9
146.0
142.1
139.3
139.8
141.1
141.9
140.5
139.6
139.9
142.6
143.5
146.6

141.0
140.9
140.9
141.1
139.9
139.7
139.3
137.3
136.5
136.5
134.6
133.4
131.9
131.2
132.1
130.4
130.6
129.7
129.5
127.5
126.3
123.3
121.4
120.4
120.4
120.0
121.0
119.1
117.7
116.7
116.2
115.3
115.0
114.7
115.0
115.5
117.4
118.7
120.5

84.2
84.5
84.9
86.3
85.9
85.5
83.6
83.2
82.5
81.4
87.4
89.4
88.6
90.3
90.3
92.1
92.2
93.2
91.8
90.8
90.8
91.0
91.2
93.7
95.1
95.0
94.8
94.5
94.9
94.4
92.1
91.3
90.1
91.2
93.2
98.8
83.7
84.9
85.8

146.9
145.2
143.8
145.4
147.2
145.0
144.5
147.3
143.7
146.3
146.1
141.6
142.6
145.0
142.6
143.1
142.4
143.2
139.6
140.35
145.5
144.6
141.3
141.7
144.7
143.3
139.6

121.1
122.2
122.7
127.2
123.8
124.8
124.4
125.0
124.8
126.6
127.5
128.0
128.3
129.7
130.0
130.1
130.4
130.0
128.7
128.56
129.5
130.5
130.6
131.6
132.8
131.5
130.6

86.8
88.2
89.2
90.4
93.8
93.4
93.5
96.5
102.3
103.1
102.7
102.5
102.9
102.7
102.7
100.0
98.5
97.9
96.22
95.18
99.6
100.0
100.0
97.9
96.7
97.1

RES BANCARIOS

TO TOTAL

RD

CARD

PA

172.1
158.2
143.2
145.1
143.2
142.5

138.4
127.9
117.2
122.7
128.9
131.3

84.9
91.4
93.8
90.7
100.3
98.3

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
GASTO ADMINISTRATIVO / ACTIVO TOTAL PROMEDIO

2006

2007

2008

2009

MESES

CR

ES

GT

HD

NI

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

4.8
4.8
4.9
4.9
4.9
5.0
5.0
5.0
4.9
4.9
4.9
4.9
4.7
4.6
4.7
4.6
4.7
4.8
4.9
4.9
4.9
4.9
4.9
4.9
4.2
4.3
4.3
4.3
4.3
4.3
4.4
4.4
4.4
4.4
4.4
4.4
4.0
4.1
4.2

2.7
2.7
2.8
2.8
2.8
2.9
2.8
2.9
2.9
2.9
2.9
2.9
2.7
2.8
2.8
2.8
2.8
2.9
2.9
2.9
2.9
2.9
2.9
2.9
2.9
2.8
2.8
2.8
2.9
2.9
2.9
2.9
2.9
2.9
3.0
3.0
2.8
2.8
2.9

4.1
4.1
4.3
4.2
4.3
4.3
4.3
4.3
4.3
3.9
3.7
3.8
5.4
5.2
5.3
5.4
5.4
4.2
4.3
4.2
4.2
4.2
4.3
4.4
3.8
3.8
3.9
3.9
4.0
4.0
4.0
4.0
4.0
4.1
3.9
3.9
3.9
4.0
4.1

5.5
5.6
5.5
5.5
5.5
5.4
5.5
5.5
5.5
5.5
5.5
5.7
5.6
5.5
5.5
5.4
5.4
5.4
5.4
5.5
5.5
5.5
5.6
5.7
5.5
5.6
5.6
5.3
5.4
5.5
5.6
5.3
5.4
5.5
5.6
6.1
7.1
6.7
6.7

5.1
5.0
5.1
5.1
5.1
5.2
5.2
5.3
5.3
5.4
5.4
5.5
5.6
5.7
5.8
5.8
6.0
6.0
6.0
6.0
6.0
6.0
6.0
6.0
5.9
5.7
5.7
5.7
5.8
5.8
5.8
5.8
5.8
5.8
6.3
6.3
5.8
5.6
5.5

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.2
4.0
4.1
4.2
4.3
4.3
4.2
4.3
4.3
4.34
4.35
4.36
4.4
4.1
4.1
4.3
4.3
4.3
4.3

3.1
3.1
3.1
3.1
3.1
3.1
3.1
3.2
3.3
3.2
3.1
3.2
3.2
3.3
3.3
3.3
3.4
3.44
3.43
3.49
3.6
3.4
3.4
3.5
3.6
3.6
3.6

4.1
4.1
4.1
4.1
4.1
4.1
4.2
4.2
4.2
4.0
4.1
4.2
4.2
4.2
4.1
4.1
4.2
4.15
4.12
4.12
4.2
4.1
4.2
4.2
4.2
4.2
4.2

6.6
6.5
6.5
6.6
6.6
6.6
6.6
6.7
6.8
6.6
6.5
6.6
6.5
6.5
6.5
6.9
6.5
6.70
6.65
6.55
6.4
6.4
6.3
6.4
6.5
6.5
6.5

5.5
5.5
5.5
5.3
5.3
5.3
5.3
5.3
5.4
5.0
5.0
5.1
5.1
5.0
5.0
5.0
4.7
4.66
4.67
4.70
4.7
4.7
4.6
4.7
4.6
4.6
4.7

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

GASTO ADMINISTRATIVO / ACTIVO TOTAL PROMEDIO
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

4.9
4.8
4.3
4.2
4.3
4.2

2.8
2.8
2.9
3.1
3.3
3.5

4.2
4.7
3.9
4.1
4.1
4.2

5.5
5.5
5.5
6.7
6.6
6.5

5.2
5.9
5.9
5.4
4.9
4.7

ES BANCARIOS

OTAL PROMEDIO
RD

CARD

PA

5.7
5.9
6.1
6.2
6.3
6.9
7.0
7.0
7.0
7.1
7.0
7.1
5.8
5.8
6.2
6.4
6.5
6.4
6.5
6.5
6.5
6.5
6.5
6.6
6.4
6.1
6.3
6.4
6.4
6.4
6.6
6.5
6.5
6.6
6.6
6.7
6.5
6.4
6.6

4.5
4.6
4.7
4.7
4.7
4.8
4.8
4.8
4.8
4.7
4.7
4.8
4.8
4.8
4.9
5.0
5.0
4.7
4.8
4.8
4.7
4.8
4.8
4.9
4.5
4.5
4.5
4.6
4.6
4.6
4.6
4.5
4.6
4.6
4.6
4.7
4.7
4.7
4.7

1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.0
1.1
1.2
1.2
1.1
1.2
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.1
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.0
1.3
1.3
1.4

6.5
6.5
6.4
6.5
6.5
6.5
6.5
6.5
6.7
5.9
5.9
6.0
6.1
6.1
6.2
6.2
6.2
5.88
5.89
6.00
6.1
5.9
5.9
6.1
6.1
6.1
6.2

4.7
4.7
4.7
4.7
4.7
4.7
4.8
4.8
4.9
4.6
4.7
4.8
4.8
4.8
4.8
4.9
4.8
4.79
4.77
4.81
4.8
4.7
4.7
4.8
4.8
4.8
4.8

1.4
1.4
1.4
1.5
1.4
1.4
1.5
1.5
1.5
1.4
1.4
1.5
1.5
1.5
1.6
1.6
1.6
1.57
1.58
1.57
1.6
1.7
1.7
1.7
1.7
1.7

RD

CARD

PA

6.6
6.4
6.4
6.5
6.0
6.1

4.7
4.8
4.6
4.7
4.8
4.8

1.1
1.1
1.0
1.4
1.5
1.7

RES BANCARIOS

OTAL PROMEDIO

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
ACTIVO TOTAL / NMERO DE ENTIDADES
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

616.1
616.9
644.1
649.6
648.4
777.8
780.9
796.5
818.6
816.5
840.9
849.2
855.6
868.8
892.0
887.6
846.1
860.4
864.7
875.9
906.9
913.3
962.2
994.8
1,062.1
1,100.3
1,107.2
1,084.3
1,087.5
1,037.7
1,042.2
1,052.1
1,058.3
1,067.8
1,146.2
1,126.9
1,270.9
1,273.0
1,288.5

858.8
864.4
866.0
872.3
860.4
869.6
888.7
872.3
901.6
891.9
897.9
913.0
915.3
920.8
939.3
937.3
943.4
961.4
981.6
983.9
984.5
983.0
989.1
1,014.9
1,138.8
1,158.2
1,160.2
1,150.2
1,157.2
1,163.3
1,182.4
1,298.5
1,284.6
1,288.4
1,348.0
1,273.0
1,130.4
1,128.1
1,122.3

471.4
474.6
484.2
491.3
496.0
504.4
511.3
515.4
522.8
555.2
581.5
588.8
613.5
610.6
625.7
624.1
604.2
669.6
682.6
679.6
687.4
697.7
707.3
758.4
733.9
787.5
796.8
813.8
812.6
827.0
834.0
839.8
844.6
885.8
884.5
904.4
890.7
890.7
892.0

369.6
376.2
388.3
401.4
401.2
413.2
412.9
425.7
430.4
433.7
437.7
451.3
425.7
437.7
421.2
429.8
430.6
442.4
444.2
451.5
463.3
466.5
475.2
488.1
575.0
586.0
593.3
592.1
604.5
603.3
643.8
646.1
647.1
651.8
660.0
569.9
568.6
575.9
577.9

381.7
386.9
388.4
403.6
400.5
402.3
407.2
410.6
416.6
414.4
409.7
409.8
422.1
419.5
424.6
424.3
431.1
434.7
440.7
440.3
446.1
447.6
457.5
455.8
478.9
488.7
496.5
489.7
492.4
491.2
492.0
458.3
453.2
451.7
443.7
448.1
449.8
446.3
448.3

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

1,284.7
1,298.7
1,305.3
1,292.4
1,283.7
1,298.5
1,307.5
1,343.2
1,341.2
1,357.3
1,358.0
1,413.9
1,432.7
1,403.1
1,434.1
1,463.2
1,482.1
1,491.5
1,483.6
1,440.6
1,451.2
1,490.8
1,492.9
1,520.5
1,530.0
1,521.7
1,523.8

1,124.8
1,114.2
1,107.9
1,019.4
1,024.4
1,010.2
1,003.7
1,007.5
1,023.5
1,026.5
1,030.3
1,029.6
1,025.6
1,020.2
1,006.2
1,001.0
1,012.0
1,010.2
1,090.2
1,100.6
1,101.4
1,083.2
1,094.7
1,094.2
1,098.1
1,082.5
1,072.6

890.9
899.8
900.9
894.3
892.7
939.8
949.3
957.7
958.1
974.7
993.2
1,006.3
1,014.6
1,026.1
1,037.4
1,036.9
1,040.7
1,041.3
1,057.0
1,068.9
1,094.2
1,122.3
1,137.7
1,171.3
1,201.5
1,176.5
1,202.5

587.5
588.7
588.5
574.5
572.5
578.4
581.5
589.8
596.2
600.7
609.3
619.3
618.3
620.0
629.7
631.2
626.9
625.8
629.5
633.5
651.7
661.6
677.1
684.0
698.7
697.3
710.2

448.0
448.5
456.5
524.6
499.4
501.3
502.5
502.8
513.3
565.4
566.5
568.9
579.4
588.3
605.7
609.6
680.3
677.4
689.4
690.4
691.6
707.6
720.1
731.2
741.5
741.8
755.3

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

ACTIVO TOTAL / NMERO DE ENTIDADES
Millones de US dlares
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

738.0
894.0
1081.0
1299.0
1434.3
1513.3

879.7
962.9
1216.9
1068.0
1037.8
1087.5

516.4
663.4
830.4
913.1
1032.6
1168.7

411.8
448.0
614.4
581.7
624.7
688.2

402.7
437.0
473.7
478.5
626.1
732.9

ES BANCARIOS

NTIDADES
RD

CARD

PA

844.2
887.6
881.6
908.4
909.2
918.3
928.1
937.8
926.9
948.4
962.4
978.7
1,100.9
1,024.9
967.3
986.8
1,012.8
1,008.5
1,021.2
1,029.6
1,031.8
1,034.4
1,046.8
1,133.6
1,106.7
1,133.0
1,130.0
1,127.2
1,124.8
1,097.1
1,111.5
1,110.4
1,103.5
1,115.6
1,150.4
1,129.1
1,187.8
1,180.0
1,196.0

579.0
587.9
597.8
608.7
607.9
636.8
643.7
649.2
659.3
671.5
687.5
698.0
712.7
711.3
711.2
714.2
707.4
733.0
742.6
747.0
757.9
762.6
779.4
813.8
822.3
834.1
864.0
870.2
866.5
869.8
860.2
876.2
893.1
893.3
905.2
915.1
931.1
928.6
933.8

792.2
800.6
812.1
818.7
836.0
854.0
863.2
870.0
872.8
896.6
947.8
938.5
929.6
933.9
960.0
956.2
964.7
1,018.6
1,047.9
1,063.1
1,078.7
1,091.9
1,118.3
1,153.5
1,170.9
1,194.0
1,215.2
1,231.5
1,228.1
1,250.4
1,252.3
1,245.6
1,248.4
1,267.9
1,273.7
1,199.3
1,197.1
1,204.8
1,211.2

1,197.5
1,197.4
1,213.2
1,222.5
1,232.0
1,249.7
1,275.0
1,309.4
1,328.6
1,325.6
1,337.9
1,360.6
1,377.2
1,284.1
1,287.6
1,300.5
1,304.9
1,303.0
1,308.0
1,240.4
1,267.4
1,252.6
1,242.1
1,161.9
1,189.4
1,182.2
1,194.9

935.4
938.7
942.3
936.6
934.3
949.6
956.7
972.5
979.8
991.8
1,000.3
1,018.8
1,026.6
1,013.6
1,023.5
1,030.5
1,046.6
1,047.5
1,064.2
1,057.5
1,073.6
1,085.3
1,093.1
1,095.1
1,112.5
1,101.8
1,112.2

1,210.6
1,150.1
1,165.3
1,203.9
1,189.3
1,190.5
1,185.4
1,200.0
1,175.2
1,223.2
1,217.7
1,226.2
1,169.4
1,175.1
1,163.0
1,160.3
1,182.6
1,196.6
1,182.1
1,191.4
1,210.0
1,198.6
1,193.3
1,212.8
1,222.1
1,195.0

RES BANCARIOS

NTIDADES

s
RD

CARD

PA

919.3
1033.2
1,119.9
1,232.4
1,308.1
1203.8

635.6
741.1
872.5
944.9
1032.9
1100.0

858.5
1026.4
1231.4
1190.3
1191.5
1204.4

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
UTILIDADES ANUALIZADAS / PATRIMONIO PROMEDIO
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

28.8
24.5
24.9
24.2
24.7
24.4
24.3
24.5
24.7
23.4
22.0
24.4
30.8
27.7
27.1
25.8
24.5
24.8
25.4
24.3
23.5
22.5
20.6
20.3
18.6
17.7
18.4
18.9
20.7
21.0
22.9
22.4
22.3
23.0
21.6
21.8
15.6
13.6
12.8

13.6
13.7
14.7
14.0
14.6
14.8
15.0
15.2
15.1
15.5
15.9
16.0
20.4
16.3
15.7
14.3
14.1
13.6
14.0
14.3
13.0
12.9
13.1
12.6
11.4
10.0
11.3
13.0
15.8
15.0
14.5
13.6
12.0
11.7
10.3
10.1
3.6
5.0
6.1

27.3
24.2
23.5
22.4
22.3
22.4
21.4
20.9
20.7
18.6
18.2
18.9
28.5
25.8
27.3
24.9
24.6
23.0
22.6
23.8
24.1
23.5
23.3
22.8
26.7
25.6
26.3
26.5
26.8
26.8
26.7
25.9
25.5
25.0
22.6
22.1
27.1
24.6
25.1

21.3
20.6
22.9
22.7
23.7
24.6
24.5
24.5
24.3
24.3
24.8
24.7
24.9
25.0
25.4
25.5
26.5
26.7
26.7
26.4
26.0
25.9
25.5
25.7
26.8
26.8
28.9
27.5
26.9
26.9
26.7
25.9
25.5
25.6
25.1
22.3
17.7
17.6
17.7

33.5
34.8
34.8
34.8
35.0
34.1
33.4
33.2
33.0
33.2
32.5
32.0
35.6
32.0
31.1
30.0
28.9
29.2
28.8
29.4
29.2
28.8
29.5
31.0
26.5
29.2
27.8
29.3
30.3
30.4
30.2
30.2
28.8
27.7
28.1
27.2
21.5
21.4
21.4

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

13.0
12.7
12.7
12.5
12.7
12.6
12.0
10.8
10.7
10.4
9.2
7.5
7.1
10.0
9.9
9.6
9.7
9.7
9.9
9.9
10.3
13.8
12.3
12.3
11.7
11.9
11.7

3.7
3.6
4.4
4.2
3.7
3.6
3.8
3.4
3.4
5.2
6.1
8.3
7.7
7.4
8.3
8.1
8.2
9.4
9.0
9.3
9.2
15.5
16.1
16.2
14.9
15.1
16.0

23.6
23.0
22.8
22.6
22.2
22.0
21.5
21.1
20.3
18.9
18.8
20.8
20.4
20.4
20.5
20.7
20.6
20.8
20.8
20.9
21.3
20.4
21.2
23.9
24.5
24.9
25.7

16.8
16.5
16.6
16.6
16.6
16.6
16.6
16.8
16.0
15.9
16.9
19.1
19.6
19.1
19.1
19.6
18.6
18.9
17.1
16.6
16.2
19.3
18.7
18.8
18.4
18.3
19.6

20.8
20.8
20.0
18.9
17.8
16.4
15.1
15.4
13.6
12.3
11.8
13.1
10.7
12.7
10.6
10.2
17.2
17.4
17.8
18.5
19.9
31.9
28.7
29.1
27.5
27.7
28.2

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

UTILIDADES ANUALIZADAS / PATRIMONIO PROMEDIO
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

24.5
24.8
20.8
12.6
9.4
12.3

14.8
14.5
12.4
4.0
8.0
15.6

21.7
24.5
25.5
23.0
20.4
23.4

23.6
25.8
26.2
16.9
18.1
18.9

33.7
30.3
28.8
18.6
14.3
28.8

ES BANCARIOS

ONIO PROMEDIO
RD

CARD

PA

18.7
15.7
16.6
14.7
26.5
25.4
22.7
22.2
22.3
22.0
21.1
23.5
32.5
28.6
28.2
28.1
27.1
28.7
27.4
26.7
26.7
26.0
26.0
27.7
18.5
21.2
27.7
32.7
33.7
34.1
32.6
31.3
30.8
29.2
28.4
28.3
24.6
25.1
27.2

22.5
20.4
21.1
20.1
22.4
22.3
21.6
21.5
21.3
20.7
20.3
21.4
27.8
24.8
24.8
23.7
23.1
22.9
23.0
22.8
22.2
21.7
21.5
21.5
21.8
21.7
23.7
25.1
26.2
26.1
25.9
24.9
24.2
23.8
22.6
21.8
17.4
16.7
17.1

16.9
18.8
17.6
17.0
17.2
17.3
17.3
17.5
17.4
17.0
13.8
13.3
16.7
15.8
14.3
14.4
15.2
14.9
15.0
14.8
14.8
14.5
14.5
15.3
17.7
16.2
18.7
18.4
19.0
19.1
17.3
17.4
17.4
17.9
17.4
16.6
14.7
9.5
10.8

25.9
26.0
26.6
26.4
26.0
25.8
25.8
26.0
25.3
28.4
28.8
33.1
32.5
31.7
31.8
31.7
31.1
30.7
29.4
29.4
29.3
27.7
28.0
22.0
27.7
28.6
27.7

15.9
15.7
15.9
15.6
15.3
15.2
15.0
14.7
14.2
14.7
14.8
16.3
15.7
16.2
16.3
16.3
16.5
16.7
16.2
16.3
16.4
19.1
18.8
18.4
19.0
19.1
19.4

11.5
12.7
13.1
13.1
13.2
13.5
13.1
12.2
11.6
13.9
12.8
12.8
12.7
12.9
12.7
12.9
13.5
13.6
14.1
13.6
13.7
13.0
12.5
12.7
12.9
13.7

RD

CARD

PA

21.0
27.8
29.0
25.9
30.6
27.0

21.3
23.3
24.0
15.7
16.0
19.0

16.8
15.0
17.8
12.4
13.3
13.0

RES BANCARIOS

ONIO PROMEDIO

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
UTILIDADES ANUALIZADAS / ACTIVO TOTAL PROMEDIO
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

2.9
2.5
2.5
2.4
2.4
2.4
2.4
2.4
2.5
2.3
2.2
2.4
3.4
3.0
2.9
2.8
2.6
2.6
2.7
2.6
2.5
2.4
2.2
2.1
1.9
1.8
1.8
1.9
2.0
2.0
2.2
2.2
2.2
2.2
2.1
2.1
1.7
1.5
1.4

ES

1.5
1.5
1.6
1.5
1.6
1.6
1.7
1.7
1.7
1.7
1.8
1.8
2.4
1.9
1.8
1.7
1.7
1.6
1.6
1.7
1.5
1.5
1.5
1.5
1.3
1.2
1.3
1.5
1.9
1.8
1.7
1.6
1.4
1.4
1.2
1.2
0.5
0.6
0.8

GT

2.2
1.9
1.9
1.8
1.8
1.9
1.8
1.8
1.8
1.6
1.6
1.6
2.2
2.1
2.2
2.0
2.0
1.9
1.9
2.0
2.0
2.0
2.0
2.0
2.4
2.3
2.4
2.4
2.5
2.5
2.5
2.4
2.4
2.4
2.2
2.1
2.6
2.4
2.4

HD

2.0
2.0
2.2
2.1
2.2
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.4
2.4
2.5
2.4
2.5
2.6
2.6
2.5
2.5
2.5
2.5
2.5
2.7
2.7
2.9
2.7
2.7
2.7
2.7
2.6
2.6
2.6
2.6
2.3
1.9
1.9
1.9

NI

3.0
3.1
3.1
3.2
3.2
3.1
3.0
3.0
3.0
3.0
3.0
3.0
3.4
3.1
3.0
2.9
2.8
2.8
2.8
2.8
2.8
2.8
2.8
3.0
2.5
2.8
2.6
2.8
2.9
2.9
2.9
2.9
2.8
2.7
2.7
2.6
2.2
2.2
2.2

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

1.4
1.4
1.4
1.4
1.4
1.4
1.3
1.2
1.2
1.2
1.1
0.9
0.8
1.2
1.2
1.1
1.1
1.2
1.2
1.2
1.2
1.7
1.5
1.5
1.4
1.4
1.4

0.5
0.5
0.6
0.5
0.5
0.5
0.5
0.4
0.4
0.7
0.8
1.1
1.0
0.9
1.1
1.1
1.1
1.2
1.2
1.2
1.2
2.1
2.2
2.1
2.0
2.0
2.1

2.3
2.3
2.2
2.2
2.2
2.2
2.1
2.1
2.0
1.9
1.9
2.1
2.0
2.0
2.0
2.1
2.1
2.1
2.1
2.1
2.1
1.9
2.0
2.2
2.3
2.3
2.3

1.8
1.8
1.8
1.8
1.8
1.8
1.8
1.8
1.7
1.8
1.8
2.1
2.1
2.1
2.1
2.1
2.0
2.1
1.9
1.8
1.8
2.1
2.0
2.0
1.9
1.9
2.1

2.2
2.2
2.1
2.0
1.9
1.7
1.6
1.6
1.4
1.1
1.1
1.2
1.0
1.2
1.0
0.9
1.6
1.6
1.6
1.7
1.8
3.0
2.7
2.7
2.6
2.6
2.6

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

UTILIDADES ANUALIZADAS / ACTIVO TOTAL PROMEDIO
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

2.5
2.6
2.0
1.4
1.1
1.5

1.6
1.7
1.5
0.5
1.0
2.1

1.8
2.0
2.4
2.3
2.0
2.2

2.2
2.5
2.6
1.8
2.0
2.0

3.1
2.9
2.7
1.9
1.3
2.7

ES BANCARIOS

TOTAL PROMEDIO
RD

1.5
1.3
1.4
1.2
2.2
2.1
1.9
1.8
1.8
1.8
1.8
2.0
2.9
2.5
2.5
2.5
2.4
2.5
2.4
2.3
2.3
2.3
2.3
2.4
1.7
1.9
2.4
2.9
3.0
3.0
2.9
2.8
2.8
2.7
2.6
2.6
2.2
2.3
2.4

CARD

2.1
1.9
2.0
1.9
2.1
2.1
2.0
2.0
2.0
2.0
1.9
2.0
2.7
2.4
2.4
2.3
2.3
2.2
2.2
2.2
2.2
2.1
2.1
2.1
2.0
2.0
2.1
2.3
2.4
2.4
2.4
2.3
2.2
2.2
2.1
2.0
1.8
1.8
1.8

PA

2.2
2.5
2.3
2.2
2.2
2.2
2.2
2.2
2.2
2.2
1.7
1.7
2.1
2.0
1.8
1.8
1.9
1.9
1.9
1.9
1.9
1.9
1.9
2.0
2.4
2.2
2.5
2.5
2.6
2.6
2.4
2.4
2.4
2.4
2.3
2.2
2.0
1.3
1.4

2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.2
2.5
2.5
2.9
2.8
2.7
2.7
2.7
2.6
2.6
2.5
2.5
2.5
2.5
2.6
2.0
2.5
2.6
2.5

1.7
1.7
1.7
1.7
1.6
1.6
1.6
1.6
1.5
1.6
1.6
1.7
1.7
1.7
1.7
1.7
1.8
1.8
1.7
1.8
1.8
2.1
2.0
2.0
2.0
2.0
2.1

1.5
1.7
1.7
1.7
1.7
1.7
1.6
1.5
1.4
1.6
1.5
1.5
1.5
1.6
1.5
1.6
1.6
1.6
1.7
1.6
1.7
1.6
1.5
1.5
1.5
1.6

RES BANCARIOS

OTAL PROMEDIO

RD

CARD

PA

1.7
2.4
2.6
2.3
2.6
2.5

2.0
2.3
2.2
1.7
1.7
2.0

2.2
1.9
2.4
1.6
1.6
1.6

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
MARGEN DE INTERMEDIACIN IMPLCITO

2006

2007

2008

2009

MESES

CR

ES

GT

HD

NI

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

5.0
4.9
4.8
5.2
5.3
5.2
5.2
5.3
5.3
6.3
6.5
6.6
7.1
7.4
7.8
7.8
8.0
7.9
7.9
7.9
7.9
7.7
7.7
7.7
7.5
7.3
7.2
7.2
7.1
7.1
7.1
7.2
7.3
7.4
7.4
7.5
8.1
7.5
7.5

5.9
6.0
5.9
5.9
6.0
6.0
5.8
5.9
5.9
5.9
6.1
6.1
5.9
5.8
6.0
6.0
6.0
6.1
6.1
6.2
6.2
6.2
6.2
6.2
6.2
6.1
6.3
6.3
6.4
6.5
6.5
6.6
6.6
6.6
6.6
6.7
7.4
7.0
7.2

10.1
9.9
10.2
10.0
10.1
10.1
10.1
10.1
12.8
11.6
11.4
9.2
10.2
9.7
9.8
9.7
9.7
9.6
9.8
12.0
12.0
11.9
11.9
11.9
10.9
10.7
10.9
10.9
11.0
11.0
11.0
11.0
11.0
11.1
10.1
10.3
7.9
8.0
8.2

9.2
9.2
9.2
9.2
9.2
9.2
9.1
9.1
9.0
9.0
9.1
9.2
9.2
9.2
9.1
9.1
9.2
9.2
9.3
9.3
9.3
9.4
9.4
9.5
9.8
10.0
10.1
9.6
9.7
9.9
10.1
9.8
10.0
10.2
10.3
10.6
12.7
12.4
11.5

12.7
12.4
12.3
12.4
12.4
12.4
12.4
12.5
12.4
12.5
12.4
12.5
13.1
12.8
12.9
12.8
12.9
13.0
13.0
13.1
13.1
13.1
13.1
13.2
12.8
12.7
12.7
12.8
12.8
12.8
12.8
12.8
12.6
12.5
13.8
13.8
14.0
13.9
13.9

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

7.4
7.4
7.4
7.6
7.6
7.7
7.7
7.7
7.7
7.6
7.2
7.5
7.6
7.7
7.8
7.8
7.9
7.9
7.9
7.9
8.0
8.1
7.7
7.9
7.8
7.9
7.8

7.2
7.2
7.3
7.3
7.4
7.4
7.5
7.5
7.6
8.6
8.2
8.5
8.4
8.5
8.5
8.5
8.6
8.6
8.6
8.7
8.7
9.2
8.8
9.0
9.0
9.0
9.5

8.2
8.3
8.3
8.4
8.4
8.4
8.4
8.5
8.6
8.4
8.3
8.7
8.6
8.7
8.7
8.7
8.8
8.8
8.8
8.8
8.9
8.1
8.3
8.5
8.5
8.4
8.4

12.0
11.9
11.8
11.8
11.8
11.8
11.8
11.8
11.9
12.0
11.8
11.8
11.9
11.9
11.9
12.4
11.9
12.2
11.8
11.4
10.9
12.0
12.0
12.1
12.1
13.2
13.3

14.0
14.1
14.2
14.1
14.2
14.1
14.1
14.1
14.1
14.4
13.9
14.0
14.0
14.1
14.0
14.2
13.1
13.1
13.2
13.2
13.2
13.5
13.0
13.0
13.0
13.0
13.0

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

MARGEN DE INTERMEDIACION IMPLICITO
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

5.5
7.7
7.3
7.6
7.7
7.9

6.0
6.1
6.4
7.3
8.5
9.1

10.5
10.7
10.8
8.3
8.7
8.4

9.1
9.3
10.0
11.9
11.8
12.4

12.4
13.0
12.9
14.1
13.7
13.1

ES BANCARIOS
IMPLCITO
RD

CARD

PA

15.6
15.1
14.8
14.6
14.8
14.8
14.7
14.7
14.8
14.8
14.7
14.7
14.9
14.1
14.2
13.9
13.8
13.6
13.5
13.5
13.3
13.4
13.3
13.3
12.8
12.6
12.5
12.5
12.5
12.7
12.8
12.9
13.0
13.2
13.1
13.2
14.2
13.5
13.7

8.8
8.8
8.7
8.8
8.8
8.8
8.8
8.8
9.3
9.3
9.3
8.9
9.4
9.1
9.4
9.3
9.3
9.2
9.3
9.7
9.7
9.6
9.7
9.7
9.4
9.3
9.3
9.3
9.3
9.3
9.3
9.2
9.3
9.4
9.3
9.3
9.8
9.4
9.4

3.7
3.4
3.3
3.3
3.2
3.6
3.4
3.4
3.5
2.9
3.2
3.3
3.6
3.5
3.5
3.7
3.8
3.8
3.6
3.5
3.8
3.3
3.2
3.4
3.9
3.7
3.7
3.7
3.7
3.6
3.5
3.5
3.7
3.6
3.7
4.0
3.9
3.6
3.8

13.7
13.5
13.5
13.4
13.4
13.3
13.2
13.1
13.1
11.6
11.6
11.5
11.5
11.5
11.5
11.4
11.3
11.2
11.1
11.4
11.4
11.3
11.0
11.0
11.0
11.2
11.3

9.4
9.4
9.4
9.4
9.4
9.4
9.5
9.6
9.6
9.6
9.4
9.7
9.7
9.6
9.6
9.8
9.7
9.7
9.6
9.6
9.6
9.6
9.4
9.5
9.5
9.6
9.7

4.0
4.1
4.1
4.2
4.3
4.2
4.2
4.3
4.5
4.1
3.9
3.9
3.9
3.9
3.9
3.8
3.7
3.6
3.6
3.5
3.7
4.0
4.0
3.8
3.9
3.8

RD

CARD

PA

14.8
13.7
12.8
13.5
11.4
11.1

8.9
9.5
9.3
9.5
9.6
9.6

3.4
3.6
3.7
4.1
3.8
3.9

RES BANCARIOS
IMPLICITO

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
DISPONIBILIDADES + INVERSIONES /PASIVO TOTAL
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

47.6
48.0
49.0
48.6
48.5
47.9
47.1
47.1
48.1
46.7
46.6
45.1
45.2
45.3
45.1
44.1
43.5
42.3
40.5
39.1
39.1
37.3
36.6
36.0
37.9
37.4
38.1
36.7
35.2
34.8
32.7
31.9
31.8
31.8
32.4
32.5
32.5
33.4
34.5

43.1
43.3
41.6
40.4
40.5
40.5
43.0
40.1
42.6
40.2
39.3
38.6
39.6
40.3
41.2
40.6
41.7
42.4
44.8
44.2
42.2
41.5
41.0
41.4
41.4
40.5
41.4
41.6
41.6
42.0
42.7
43.4
43.2
42.2
42.5
44.3
45.6
46.2
46.8

48.3
47.6
47.5
47.1
46.7
46.9
46.2
46.0
45.8
50.8
49.8
49.4
48.9
46.5
46.7
45.2
44.9
44.3
43.9
42.7
42.2
40.3
40.0
40.1
40.0
38.9
39.2
38.8
39.3
39.6
39.7
40.1
39.7
40.3
40.0
40.3
41.4
41.4
42.1

41.4
42.2
42.5
42.8
41.3
42.5
41.7
40.2
39.4
37.7
36.5
37.3
35.5
35.8
35.3
35.1
34.2
34.9
33.4
32.6
32.3
31.2
30.7
31.7
29.7
30.2
31.0
31.0
30.1
30.7
29.7
29.1
28.2
28.5
28.8
29.8
29.6
30.6
30.9

50.9
51.0
50.9
52.3
50.3
49.4
48.7
48.4
48.3
47.1
45.3
44.7
46.0
45.4
45.6
44.4
44.6
44.1
43.6
42.2
41.9
39.6
39.4
38.1
39.2
39.1
40.4
41.3
40.5
40.1
38.7
38.1
37.8
37.0
36.7
37.0
38.6
39.5
40.1

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

34.5
35.2
35.5
35.2
34.7
35.4
35.3
34.9
35.2
35.2
34.8
36.1
35.6
36.4
36.9
35.6
35.4
35.0
34.2
34.8
35.0
35.0
35.1
35.9
35.8
35.6
34.9

48.0
45.7
47.4
47.8
49.2
48.2
47.1
47.6
50.0
51.0
52.2
52.8
52.1
52.4
51.6
49.6
53.1
54.7
54.0
53.9
52.9
50.2
51.3
52.0
49.2
49.4
49.5

41.9
42.5
42.5
42.6
42.6
42.9
43.2
43.5
43.8
44.5
45.0
44.7
45.2
45.4
46.1
46.2
46.8
46.8
46.4
45.6
46.1
46.2
46.2
46.7
46.9
46.3
46.8

32.4
32.5
32.2
29.9
30.2
30.7
30.7
31.0
31.8
32.3
33.3
34.1
33.8
34.2
35.7
35.8
35.9
35.4
34.9
34.3
35.3
36.0
37.4
37.8
39.4
39.2
39.9

41.5
41.9
44.0
45.7
46.0
46.8
46.6
46.0
47.9
50.9
51.3
52.8
54.2
55.4
56.8
57.6
57.8
57.5
57.9
56.8
55.0
56.3
57.5
58.4
59.5
59.7
60.8

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

DISPONIBILIDADES + INVERSIONES /PASIVO TOTAL
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

47.5
41.2
34.4
34.7
35.4
35.4

41.1
41.7
42.2
47.5
52.5
50.2

47.7
43.8
39.7
42.5
45.7
46.5

40.5
33.6
29.7
31.0
34.6
38.3

48.9
42.9
38.8
43.7
55.3
58.7

ES BANCARIOS

/PASIVO TOTAL
RD

CARD

PA

49.1
49.2
48.3
48.0
48.6
48.8
48.4
47.7
46.8
46.8
46.4
45.8
46.4
47.3
45.7
45.6
45.7
45.3
45.1
45.6
45.2
44.5
43.7
43.1
42.6
43.1
42.7
41.6
40.0
39.5
39.4
40.2
40.6
40.0
40.0
40.7
40.8
41.2
41.2

46.6
46.6
46.4
46.0
45.8
45.8
45.8
44.8
45.2
45.4
44.6
44.0
44.1
43.8
43.7
42.9
42.8
42.5
42.3
41.5
40.8
39.5
38.9
38.8
38.9
38.5
39.0
38.4
37.8
37.7
37.2
37.3
37.1
36.9
37.0
37.7
38.2
38.7
39.3

37.9
37.8
38.1
39.0
38.7
38.3
37.5
37.0
36.3
36.3
38.7
39.9
38.3
37.7
38.3
38.2
38.0
38.6
39.9
39.5
39.6
39.2
39.4
41.4
42.3
42.6
42.8
42.6
42.3
41.8
40.7
41.2
40.4
40.3
40.8
44.3
43.2
41.4
42.0

41.6
40.5
40.0
40.8
41.6
41.1
41.0
42.1
41.3
41.3
41.4
39.4
39.7
40.8
39.5
40.2
40.0
40.3
39.0
40.0
41.7
41.0
40.8
40.0
40.7
39.8
39.1

39.8
39.5
39.8
39.8
40.1
40.1
40.0
40.2
40.8
41.3
41.7
41.8
41.8
42.4
42.5
42.1
42.6
42.7
42.0
42.0
42.4
42.0
42.4
42.8
42.8
42.5
42.4

42.7
40.3
41.1
41.2
42.4
41.6
41.5
43.4
44.0
44.6
44.4
44.1
43.4
43.6
43.0
42.0
41.4
41.4
40.6
40.0
42.0
42.1
41.6
41.2
42.0
41.0

RD

CARD

PA

47.8
45.3
40.9
41.1
40.3
40.2

45.6
41.8
37.8
39.7
42.1
42.5

38.0
39.0
41.8
42.1
42.5
41.6

RES BANCARIOS

/PASIVO TOTAL

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
LEVERAGE (ACTIVO TOTAL-PATRIMONIO/CAPITAL PRIMARIO)
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

14.4
14.5
15.2
15.4
15.3
15.0
14.1
14.3
13.8
13.7
14.1
13.9
13.3
13.5
13.7
13.6
13.6
13.8
13.1
13.1
13.5
13.7
13.9
14.3
14.4
14.6
15.0
14.7
14.7
14.7
14.3
14.1
14.3
14.4
14.1
13.3
12.3
12.5
12.0

12.1
11.6
11.6
11.7
11.5
11.6
11.7
11.4
11.8
11.5
11.6
11.5
11.5
11.0
11.1
11.0
11.1
11.3
11.5
11.6
11.6
11.3
11.4
11.5
11.4
10.6
10.8
10.8
10.7
10.6
10.6
10.8
10.8
10.6
10.7
10.5
10.4
9.9
9.9

15.1
14.8
12.9
14.5
14.6
14.2
14.3
14.4
14.5
15.6
16.2
16.4
16.5
15.5
14.6
14.5
14.4
14.7
14.8
14.7
14.9
15.0
15.2
15.3
14.2
13.4
13.5
13.4
13.5
13.7
13.9
13.7
13.8
14.1
14.2
14.4
14.1
13.1
13.0

13.4
13.7
14.0
14.5
14.0
14.0
13.8
14.3
14.4
14.4
14.5
14.3
14.3
14.8
14.9
14.6
14.3
13.8
13.5
13.7
13.8
13.9
13.7
13.9
13.8
13.8
14.0
13.3
13.1
13.1
12.7
12.7
12.4
12.3
12.4
12.5
12.4
12.6
12.6

20.3
20.7
18.9
17.0
15.3
14.9
15.1
15.3
15.5
15.5
15.3
15.3
15.7
15.6
15.5
15.3
14.5
14.6
14.3
14.3
14.6
14.7
14.7
14.6
15.1
15.4
15.2
15.4
15.1
14.9
14.7
14.2
14.3
13.8
13.8
13.6
13.6
13.7
13.3

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

12.2
12.4
11.9
12.0
11.7
11.7
11.5
11.0
11.2
10.9
10.7
10.5
10.4
10.8
10.9
10.7
10.7
10.7
10.8
10.9
11.1
10.9
10.7
10.9
11.0
11.0
10.1

9.9
9.8
9.7
9.6
9.5
9.6
9.5
9.5
9.6
9.6
9.7
9.7
9.6
9.6
9.4
9.3
9.4
9.4
9.4
9.4
9.4
9.2
9.4
9.4
9.5
9.3
9.2

13.0
12.9
13.5
13.6
13.6
13.9
13.8
13.9
13.9
13.5
13.0
12.7
12.8
12.9
13.1
13.0
13.1
13.1
13.4
13.5
14.0
13.9
13.1
13.0
13.5
13.6
13.9

12.7
12.7
12.1
11.8
11.7
11.8
11.5
11.7
11.2
11.2
11.4
11.6
11.1
10.9
10.8
10.9
10.8
10.7
10.8
10.4
10.7
10.9
11.2
11.3
11.5
11.7
11.4

13.4
13.4
13.3
13.8
13.2
13.1
13.2
13.3
13.3
13.9
14.0
13.6
13.9
14.2
14.4
14.4
14.6
14.6
14.9
15.0
13.9
14.1
14.4
14.5
14.8
14.8
14.8

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

LEVERAGE (ACTIVO TOTAL-PATRIMONIO/CAPITAL PRIMARIO)
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

14.5
13.6
14.4
11.9
10.7
10.8

11.6
11.3
10.7
9.7
9.5
9.3

14.8
15.0
13.8
13.5
13.2
13.5

14.1
14.1
13.0
12.1
10.9
11.3

16.6
14.9
14.6
13.4
14.3
14.6

ES BANCARIOS

/CAPITAL PRIMARIO)
RD

CARD

PA

13.6
11.9
11.5
12.8
13.0
13.4
13.6
13.4
13.1
13.0
12.7
12.6
14.3
14.2
12.0
12.1
12.3
12.5
12.2
12.4
12.5
12.5
12.6
13.6
13.2
13.5
13.5
13.5
13.4
13.3
13.0
13.3
13.2
13.1
13.4
13.8
13.5
13.4
13.4

14.0
13.4
13.1
13.8
13.6
13.6
13.5
13.5
13.5
13.6
13.7
13.7
13.9
13.7
13.1
13.1
13.1
13.2
13.0
13.1
13.3
13.3
13.4
13.7
13.5
13.2
13.4
13.2
13.2
13.2
13.0
13.0
13.0
13.0
13.0
12.9
12.5
12.3
12.1

6.9
7.0
7.1
7.1
7.2
7.4
7.3
7.2
7.2
7.4
8.0
7.7
7.4
7.2
7.2
7.1
7.1
7.3
6.2
6.2
6.2
6.2
6.3
6.5
6.6
6.6
6.5
6.5
6.5
6.5
6.5
6.5
6.5
6.6
6.6
6.6
6.5
6.6
6.6

13.0
13.0
12.9
13.1
13.2
13.1
13.4
13.8
13.9
13.6
13.7
13.6
13.8
13.9
13.9
14.1
14.0
14.0
14.1
13.5
13.9
13.4
13.3
12.3
12.1
11.9
12.0

12.1
12.1
12.0
12.0
11.9
12.0
11.9
11.9
11.9
11.8
11.7
11.6
11.5
11.7
11.7
11.6
11.6
11.6
11.7
11.7
11.9
11.7
11.6
11.5
11.7
11.6
11.4

6.5
7.5
7.6
7.4
7.6
7.5
7.5
7.5
7.8
7.6
7.5
7.5
7.4
7.4
7.5
7.3
7.4
7.4
7.3
7.3
7.5
7.6
7.5
7.5
7.8
7.3

RES BANCARIOS

/CAPITAL PRIMARIO)

RD

CARD

PA

12.9
12.8
13.4
13.3
13.8
12.5

13.6
13.3
13.1
12.1
11.7
11.6

7.3
6.7
6.5
7.2
7.4
7.5

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
SERIES MENSUALES DE INDICADORES BANCARIOS
CRDITO TOTAL/ACTIVO TOTAL
MESES

2006

2007

2008

2009

Ene-06
Feb-06
Mar-06
Apr-06
May-06
Jun-06
Jul-06
Aug-06
Sep-06
Oct-06
Nov-06
Dec-06
Jan-07
Feb-07
Mar-07
Apr-07
May-07
Jun-07
Jul-07
Aug-07
Sep-07
Oct-07
Nov-07
Dec-07
Jan-08
Feb-08
Mar-08
Apr-08
May-08
Jun-08
Jul-08
Aug-08
Sep-08
Oct-08
Nov-08
Dec-08
Jan-09
Feb-09
Mar-09

CR

ES

GT

HD

NI

50.9
50.6
50.0
50.0
50.5
50.9
51.4
51.2
50.9
52.2
52.3
53.5
53.6
53.6
53.8
54.8
55.5
56.3
57.6
58.8
58.8
60.5
60.8
61.7
60.2
60.7
60.1
61.5
62.7
63.1
64.8
65.5
65.5
65.5
64.8
65.1
64.8
64.3
63.6

64.9
65.1
65.4
65.6
66.8
66.4
65.5
67.2
65.6
67.1
68.0
68.0
68.3
67.9
67.3
67.8
67.6
67.1
66.1
66.6
67.1
67.8
68.2
67.2
67.9
68.0
67.5
67.8
68.3
68.2
67.9
67.2
67.4
68.0
67.7
67.0
66.5
66.1
66.2

48.3
49.1
49.1
49.4
49.6
49.7
50.2
50.7
50.8
46.8
48.0
48.2
48.8
50.9
51.1
52.2
52.8
53.0
53.5
54.5
55.0
56.3
57.2
57.7
57.5
58.4
58.1
58.5
58.0
57.7
57.8
57.5
57.2
56.9
56.9
56.8
55.8
55.8
55.5

54.5
53.8
53.8
53.6
55.1
54.1
54.9
56.2
56.9
58.6
59.8
59.4
61.1
60.8
61.3
61.6
62.6
62.0
63.5
64.2
64.4
65.4
66.0
65.3
67.0
66.4
65.7
65.9
66.9
66.4
67.3
67.7
68.4
68.3
67.8
67.1
67.1
66.1
65.9

50.3
50.4
51.3
49.9
51.1
52.0
52.6
53.1
53.1
54.8
56.5
57.0
55.7
56.3
56.1
57.0
56.9
57.5
57.8
59.2
59.3
61.4
61.7
62.9
63.0
63.1
62.1
61.2
62.2
62.4
63.6
64.2
64.5
65.1
65.3
65.3
62.1
61.3
61.0

2010

2011

2012

Apr-09
May-09
Jun-09
Jul-09
Aug-09
Sep-09
Oct-09
Nov-09
Dec-09
Jan-10
Feb-10
Mar-10
Apr-10
May-10
Jun-10
Jul-10
Aug-10
Sep-10
Oct-10
Nov-10
Dec-10
Jan-11
Feb-11
Mar-11
Apr-11
May-11
Jun-11
Jul-11
Aug-11
Sep-11
Oct-11
Nov-11
Dec-11
Jan-12

63.5
62.7
62.4
54.9
63.0
60.7
62.4
62.5
62.6
62.1
62.4
61.6
61.6
61.3
60.9
61.6
62.0
62.4
63.0
62.6
62.7
62.5
62.2
61.9
61.9
62.3
63.2

65.8
66.1
65.7
65.5
64.9
65.6
65.6
65.4
64.5
64.3
63.4
63.4
63.7
63.4
63.7
64.2
63.1
62.5
62.8
62.7
63.1
63.9
63.2
63.5
63.5
64.2
64.6

55.5
54.8
54.8
54.8
54.8
54.7
54.4
54.1
54.1
53.2
52.8
53.0
52.7
52.4
51.8
51.8
51.4
51.4
51.7
52.5
52.1
51.8
51.8
51.4
51.1
51.5
51.1

64.7
64.6
64.7
66.7
66.3
65.7
65.7
65.3
64.9
64.3
63.3
62.7
63.0
62.8
61.4
61.1
61.2
61.6
62.0
62.3
61.9
58.1
56.9
56.7
55.2
55.3
54.7

59.5
59.0
57.2
55.6
55.3
54.7
54.9
55.3
53.9
50.9
50.6
49.4
48.2
47.1
45.9
45.3
45.4
45.6
45.3
46.4
48.2
47.1
46.0
45.2
44.2
44.1
43.1

PROMEDIO ANUAL DE LOS INDICADORES BANCARIOS

CRDITO TOTAL/ACTIVO TOTAL
Porcentaje
AOS

CR

ES

GT

HD

NI

2006
2007
2008
2009
2010
2011

51.2
57.1
63.3
62.3
62.0
62.3

66.3
67.4
67.7
65.7
63.4
63.8

49.2
53.6
57.6
54.9
52.2
51.4

55.9
63.2
67.1
65.6
62.3
56.2

52.7
58.5
63.5
57.5
47.4
44.9

ES BANCARIOS

TOTAL
RD

CARD

PA

44.6
44.7
45.6
45.6
45.7
46.4
46.5
47.0
47.2
47.6
48.5
49.6
47.0
46.7
49.5
49.7
49.9
50.6
50.7
50.4
51.0
51.9
52.7
53.5
53.9
53.5
53.7
54.7
56.0
56.4
56.4
55.9
55.5
56.1
56.1
56.1
55.8
55.6
55.0

52.4
52.4
52.6
52.5
53.1
53.2
53.4
54.1
53.9
53.8
54.7
55.2
55.0
55.4
55.9
56.6
57.0
57.2
57.6
58.3
58.7
59.9
60.5
60.8
60.8
60.9
60.6
61.2
61.9
62.0
62.5
62.4
62.4
62.6
62.4
62.2
61.6
61.3
60.8

61.3
61.1
61.0
60.3
60.5
60.8
61.7
61.8
63.1
63.2
60.2
59.4
61.0
61.6
61.4
62.0
62.0
61.3
61.0
61.2
60.9
61.3
61.1
59.3
58.4
58.2
58.0
58.5
58.4
58.9
59.9
59.7
60.4
60.4
59.7
57.0
57.9
59.4
59.0

54.9
55.8
56.4
55.9
55.3
55.9
56.1
55.0
56.0
56.0
56.2
57.7
57.4
56.5
57.6
57.2
57.4
56.9
58.2
57.5
55.4
55.8
57.1
57.3
56.4
56.9
57.3

60.5
60.4
60.2
58.4
60.1
59.6
60.1
59.7
59.7
59.1
58.8
58.8
58.7
58.2
58.0
58.1
58.1
58.0
58.5
58.6
58.2
57.7
57.6
57.4
56.9
57.3
57.4

58.6
60.1
59.5
59.5
58.6
59.1
59.4
57.7
56.8
56.5
57.0
57.3
57.6
57.6
58.0
59.0
59.5
59.7
60.2
60.9
59.1
58.8
59.5
59.9
57.8
60.3

RD

CARD

PA

46.6
50.3
55.4
55.7
57.0
56.8

53.4
57.7
61.8
60.2
58.4
57.4

61.2
61.2
59.0
58.8
58.5
59.3

RES BANCARIOS

TOTAL

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA

SISTEMAS BA
SALDOS CREDITOS TOTALES
PAIS
Costa Rica
El Salvador
Guatemala
Honduras
Nicaragua
Centroamrica
Rep. Dominicana
Regin CARD
Panam
CARD y Panam

2006
7,269
8,072
6,812
4,289
1,636
28,077
5,820
33,897
22,868
56,766

2007
10,440
8,861
9,193
5,737
2,006
36,237
7,283
43,520
27,342
70,862

2008
12,476
9,164
9,784
6,503
2,318
40,244
8,126
48,371
30,774
79,145

2009
12,586
8,579
9,323
6,579
1,936
39,003
8,935
47,938
30,683
78,622

2010
14,565
8,342
10,263
6,853
2,001
42,023
9,828
51,852
34,303
86,155

CONSEJO MONETARIO CENTROAMERICANO

SECRETARIA EJECUTIVA
INDICADORES BANCARIOS

SALDOS DE DEP
SISTEMAS BANCARIOS DE CENTROAMERICA, REP
(Millon
SALDOS DE DEPOSITOS TOTALES
PAIS
Costa Rica
El Salvador
Guatemala
Honduras
Nicaragua
Centroamrica
R.Dominicana
Regin CARD
Panam
CARD y Panam

2006
9,457
8,419
10,687
5,188
2,122
35,873
9,359
45,232
20,450
65,682

2007
11,313
9,842
11,712
6,280
2,371
41,518
10,882
52,400
25,629
78,029

2008
12,705
9,835
12,784
6,662
2,500
44,486
11,369
55,855
30,397
86,252

2009
14,334
10,118
13,093
6,863
2,597
47,005
12,837
59,842
31,383
91,224

2010
16,769
10,248
15,126
7,456
3,236
52,833
14,302
67,135
34,158
101,293

INDICADORES BANCARIOS
SALDOS DE CRDITO TOTAL POR PAISES
SISTEMAS BANCARIOS DE CENTROAMERICA, REPBLICA DOMINICANA Y PANAM: DICIEMBRE-2006 A
(Millones de USDlares)
VARIACION ANUAL
Absoluta
Rel
2011
2007
2008
2009
2010
2011
2007
15,206
3,171
2,036
110
1,979
641
43.6
8,309
789
303
(585)
(237)
(33)
9.8
10,932
2,382
591
(461)
940
669
35.0
6,559
1,448
766
77
273
(293)
33.8
1,954
370
312
(382)
65
(48)
22.6
42,959
8,160
4,007
(1,241)
3,020
936
29.1
10,067
1,462
844
809
893
239
25.1
53,026
9,622
4,851
(432)
3,913
1,175
28.4
35,283
4,474
3,432
(91)
3,620
980
19.6
88,309
14,096
8,283
(523)
7,533
2,154
24.8

SALDOS DE DEPSITOS TOTALES POR PAISES

OS DE CENTROAMERICA, REPBLICA DOMINICANA Y PANAM: DICIEMBRE-2006 A JUNIO 2011
(Millones de US Dlares)
ES
VARIACION ANUAL
Absoluta
2011
2007
2008
2009
2010
2011
2007
17,554
1,856
1,392
1,629
2,434
786
19.6
9,977
1,423
(7)
283
130
(271)
16.9
16,182
1,026
1,071
309
2,032
1,057
9.6
8,065
1,091
382
201
592
609
21.0
3,485
248
129
97
639
250
11.7
55,264
5,645
2,968
2,519
5,828
2,430
15.7
14,424
1,524
487
1,468
1,465
122
16.3
69,688
7,168
3,455
3,987
7,294
2,552
15.8
34,249
5,179
4,769
985
2,775
91
25.3
103,936
12,347
8,223
4,972
10,069
2,643
18.8

Rel

AISES
Y PANAM: DICIEMBRE-2006 A JUNIO 2011
ANUAL

TASA DE MORA
2008
19.5
3.4
6.4
13.3
15.6
11.1
11.6
11.1
12.6
11.7

Relativa
2009
0.9
(6.4)
(4.7)
1.2
(16.5)
(3.1)
10.0
(0.9)
(0.3)
(0.7)

2010
15.7
(2.8)
10.1
4.2
3.4
7.7
10.0
8.2
11.8
9.6

2011
4.4
(0.4)
6.5
(4.3)
(2.4)
2.2
2.4
2.3
2.9
2.5

2008
12.3
-0.1
9.1
6.1
5.4
7.1
4.5
6.6
18.6
10.5

Relativa
2009
12.8
2.9
2.4
3.0
3.9
5.7
12.9
7.1
3.2
5.8

2010
17.0
1.3
15.5
8.6
24.6
12.4
11.4
12.2
8.8
11.0

2011
4.7
-2.6
7.0
8.2
7.7
4.6
0.9
3.8
0.3
2.6

2011
ANUAL

2006
1.5
1.9
2.3
4.2
2.0
3.2
4.7
2.7
1.4
2.2

2007
1.4
2.1
1.6
3.2
2.5
2.7
4.0
2.3
1.4
1.9

2008
1.8
2.8
2.3
4.6
2.9
3.3
3.4
2.8
1.6
2.3

TASA DE MORA
2009
2.3
3.7
2.7
4.9
3.2
4.1
4.2
3.4
1.2
2.5

2010
2.0
4.0
2.1
3.8
2.9
3.5
3.0
2.8
1.1
2.1

2011
2.4
4.0
1.9
3.8
2.9
3.6
2.8
2.8
1.0
2.1