Documentos de Académico
Documentos de Profesional
Documentos de Cultura
AHORRO-INVERSIN
(Porcentaje del PBI)
2005
2006
2007
2008
2009
2010
Ahorro interno
Sector Pblico
Sector Privado
19.3
2.5
16.8
23.2
5.4
17.7
24.2
6.4
17.8
22.7
6.7
16.0
20.9
4.3
16.6
23.5
5.7
17.8
Ahorro externo
-1.4
-3.1
-1.4
4.2
-0.2
1.5
Inversin
Sector Pblico
Sector Privado1
17.9
2.9
20.0
3.1
22.8
3.4
26.9
4.3
20.7
5.2
25.0
6.0
15.0
17.0
19.5
22.6
15.5
19.0
CUADRO 24
COMERCIAL / COMMERCIAL
Prstamos y Descuentos
Loans and Discount
Hasta 360 d.
Up to
360 days
2008
Mar
21.9
Jun.
17.6
Set.
19.91
Dic.
21.87
2009
Ene.
22.48
Feb.
21.5
Mar.
21.68
Abr.
22.7
May.
22.2
Jun.
22.65
Jul.
22.39
Ago.
22.4
Set.
21.75
Oct.
20.72
Nov.
21.59
Dic.
21.39
2010
Ene.
21.88
Feb.
21.84
Mar.
21.15
Abr.
21.31
May.
21.14
Jun.
20.79
Jul. 5/
20.79
MONEDA NACIONAL / D
COMERCIAL / COMMERCIAL
stamos y Descuentos
Loans and Discount
Promedio
Average
Ms de 360 d.
3/
More than
360 days
MICROEMPRESAS / SMALL
Prstamos y Descuentos
Loans and Discount
Hasta 360 d.
Up to
360 days
24.94
23.3
45.9
24.51
20.5
45.57
24.75
22.29
46.9
21.9
21.9
42.9
22.60
22.51
42.92
22.24
21.93
45.16
22.3
22.05
45.7
22.33
22.49
45.99
22.47
22.37
46.06
22.58
22.61
46.04
22.79
22.64
46.11
22.79
22.65
46.27
22.88
22.46
46.07
22.74
21.61
45.24
24.44
23.1
44.63
22.42
22.04
44.44
22.43
22.24
44.64
22.35
22.17
44.42
22.39
21.94
44.25
22.54
22.1
43.37
22.36
21.92
43.61
22.52
21.91
43.16
22.52
21.91
43.16
TASAS
AVERAGE LENDING
CONSUMO / CONSUM
tamos y Descuentos
oans and Discount
Prstamos
Loans
Hasta 360 d.
Up to
360 days
38.91
40.45
35.5
37.78
40.53
37
38.97
41.6
34.77
39.1
40.48
34.3
38.77
40.67
33.81
38.74
41.1
33.44
38.65
41.15
33.6
38.65
41.33
33.56
38.59
41.16
34.2
38.63
41.13
34.36
38.67
41.15
34.33
38.64
41.13
34.31
38.3
40.85
34.5
37.9
40.29
33.6
37.65
39.95
33.64
37.52
39.82
33.26
37.44
39.82
33.38
37.45
39.76
33.34
37.37
39.64
33.33
36.8
38.79
34.02
36.62
39.48
32.99
36.8
38.76
32.69
36.8
38.76
32.69
(% en trminos efectivos
ENCY
CONSUMO / CONSUMER
PROMEDIO
Prstamos
Promedio ESTRUCTURA
Loans
Average CONSTANTE
Ms de 360 d.
3/
FIX-WEIGHED
More than
AVERAGE
360 days
4/
30.59
30.84
37.2
30.27
29
35.95
30.91
31.06
36.7
29.02
29.3
35.7
28.81
29.04
34.30
28.71
28.94
36.05
28.57
28.8
35.99
28.84
29.09
36.71
28.2
28.43
36.09
28.04
28.31
36.04
27.78
28.06
35.97
27.59
27.87
35.91
27.35
27.62
35.67
27.14
27.4
35.39
26.97
27.23
35.39
26.75
27
34.87
26.57
26.83
34.89
26.39
26.66
34.79
26.25
26.52
34.65
26.01
26.28
33.53
25.98
26.24
33.38
25.85
26.1
33.71
25.85
26.1
33.71
de Poltica Monetaria
MONED
COMERCIAL / COMMERCIAL
Prstamos y Descuentos
Loans and Discount
Hasta 360 d.
Up to
360 days
Promedio
Average
Ms de 360 d.
3/
More than
360 days
17.13
16.1
16.27
16.75
16.08
16.2
18
16.4
16.7
16.6
16.32
16.36
16.68
16.22
16.29
17.41
16.21
16.38
17.68
16.16
16.38
17.77
15.97
16.25
17.54
16.01
16.27
16.95
15.94
16.15
16.99
15.97
16.18
16.45
16.12
16.19
16.2
16.04
16.08
15.87
15.99
15.95
15.34
16.67
16.23
15.6
16.06
15.96
15.45
15.96
15.84
15.81
16.01
15.96
16.11
15.9
15.94
16.57
15.86
16.02
16.47
15.84
15.99
16.61
15.83
15.98
16.61
15.83
15.98
Promedio
Average
Ms de 360 d.
3/
More than
360 days
25.7
23
23
25.5
22
22
28.7
21.9
23
26.56
24.55
24.86
26.45
24.66
24.93
25.66
24.13
24.37
25.97
23.99
24.27
25.82
24.2
24.44
24.77
24
24.12
24.47
23.84
23.94
24.67
23.65
23.81
24.21
23.38
23.5
25.5
23.18
23.5
26.2
23.05
23.09
25.71
22.85
23.23
25.52
23.3
23.63
25.77
23.21
23.53
26.32
23.2
23.56
25.84
23.18
23.5
24.74
22.85
23.04
23.48
22.72
22.83
24.75
22.53
22.81
24.75
22.53
22.81
ulio de 2002.
Oficio Mltiple N 24719-2010-SBS) a partir de julio de 2010.
/ FOREIGN CURRENCY
CONSUMO / CONSUMER
Prstamos
Loans
Promedio
Average
Hasta 360 d. Ms de 360 d.
3/
Up to
More than
360 days
360 days
18.4
20.94
20.6
17.3
20.6
20.2
26.2
14.7
16.2
15.81
20.19
18.87
16.61
19.96
18.91
16.54
20.1
18.97
16.87
19.83
18.86
16.88
19.01
18.31
17.06
19.07
18.47
16.65
18.91
18.25
16.91
19.07
18.42
17.14
19.31
18.71
17.66
19.17
18.77
17.16
18.93
18.44
16.78
19.04
18.41
16.63
19.08
18.42
15.99
18.99
18.22
16.39
19.06
18.38
16.12
19.1
18.33
14.9
18.6
17.59
16.01
18.86
18.15
15.69
19.52
18.69
15.69
19.52
18.69
ir de julio de 2010.
HIPOTECARIO
MORTAGE
PROMEDIO
ESTRUCTURA
CONSTANTE
FIX-WEIGHED
AVERAGE
4/
2008
16.63
19
Mar.
16.03
18.3
Jun.
15.16
18.1
Sep.
14.82
19.12
Dec.
2009
14.94
19.01
Jan.
15.227
19
Feb.
15.18
18.89
Mar.
15.47
18.67
Apr.
15.45
18.65
May.
15.27
18.42
Jun.
15.29
18.33
Jul.
15.22
18.2
Aug.
15.15
18.05
Sep.
15.14
17.86
Oct.
15.12
18.37
Nov.
15.15
17.71
Dec.
2010
15.55
17.59
Jan.
15.53
17.64
Feb.
15.5
17.61
Mar.
15.45
17.46
Apr.
15.43
17.5
May
15.38
17.54
Jun.
15.38
17.54
Jul.
CUADRO 23
COMERCIAL / COMMERCIAL
Prstamos y Descuentos
Loans and Discount
Hasta 360 d. Ms de 360 d.
Up to
More than
360 days
360 days
2008
Mar.
27.3
22.88
Jun.
29.3
22.83
Set.
25.8
22.6
Dic.
2009
26.3
22.7
Ene.
26.524
22.9159
Feb.
Mar.
Abr.
May.
Jun.
Jul.
Ago.
Set.
Oct.
Nov.
Dic.
2010
Ene.
Feb.
27.1
27.24
27.44
28.3
27.72
28.04
28.49
29.11
29.08
28.82
28.45
23.09
23.3
23.5
23.8
23.86
23.98
23.97
23.98
23.79
23.73
23.75
28.28
28.32
23.85
23.9
Mar.
Abr.
May.
Jun.
Jul. 7/
28.22
27.94
27.09
26.78
26.78
23.76
23.77
23.7
23.72
23.72
TA
AVE
24.32
49.18
39.81
24.92
48.38
38.95
23.7
47.5
37.9
23.7
47.6
37.3
23.87
47.7595
37.1723
24.1
24.27
24.49
25.01
24.8
24.96
25
25.13
24.98
24.87
24.78
47.71
48.05
48.2
48.21
48.33
48.36
48.32
48.47
45.58
47.79
47.76
37.3
37.27
37.23
37.22
37.22
37.11
37.08
37.05
35.77
36.73
36.52
24.81
24.82
47.74
47.74
36.36
36.17
24.65
24.62
24.4
24.36
24.36
47.75
47.58
47.42
46.97
46.97
35.91
35.67
35.38
35.02
35.02
(% en
L / DOMESTIC CURRENCY
CONSUMO / CONSUMER
ALL BUSINESS
Promedio
Prstamos
Average
Loans
3/
Hasta 360 d. Ms de 360 d.
Up to
More than
360 days
360 days
42.67
38.46
29.86
41.68
37.7
29.37
41.9
37.6
28.9
40.2
36.8
28.6
40.11
37.2
28.58
40.04
40.24
40.24
40
40.19
40.05
39.81
39.78
38.95
39.67
39.39
35.6
37.2
37.58
36.95
37.51
37.63
36.39
36.13
35.98
35.9
34.83
28.5
28.46
28.44
28.1
28.19
28.14
27.76
27.67
27.09
27.58
27.21
39.2
39.05
35.66
35.28
27.2
26.78
38.82
38.58
38.28
37.85
37.85
35.11
34.7
35.06
34.78
34.78
26.94
26.85
26.83
26.71
26.71
NSUMER
COMERCIAL / COMME
PROMEDIO
PromedioESTRUCTURA Prstamos y Descuentos
Average CONSTANTE
Loans and Discount
3/
FIX-WEIGHED Hasta 360 d.
5/
AVERAGE
Up to
4/
360 days
36.88
38.63
18.82
35.93
37.4
19.1
35.3
37.4
18.47
34.9
35.7
18.19
34.52
35.57
18.1017
34.69
34.75
34.86
34.72
35.05
34.36
34.28
34.16
33.41
33.75
33.43
35.64
35.8
35.86
35.67
35.88
35.63
35.42
35.38
34.27
35.02
34.83
17.92
18.9
18.98
19.15
19.3
19.32
19.56
19.58
19.27
18.82
18.36
33.49
33.4
34.75
34.64
18.07
17.62
33.25
33.14
32.76
32.57
32.57
34.44
34.22
33.9
33.56
33.56
17.81
17.79
18.11
17.81
17.81
MONEDA EXTRAN
ERCIAL / COMMERCIAL
MICROEMPRESAS / SMAL
mos y Descuentos Promedio Prstamos y Descuentos
ns and Discount
Average
Loans and Discount
Ms de 360 d.
3/
Hasta 360 d.
More than
Up to
360 days
360 days
16.72
16.97
25.34
16.6
16.8
25.1
16.7
17
25.9
16.9
17
26.17
16.9789
17.07
26.5963
16.77
17.08
17.24
17.33
17.35
17.5
17.46
17.53
17.51
17.57
17.6
16.89
17.24
17.4
17.49
17.53
17.69
17.66
17.73
17.68
17.69
17.68
26.1
26.98
26.91
26.59
27.01
26.81
26.51
26.31
26.16
25.84
26.04
17.63
17.49
17.68
17.51
26.24
26.17
17.55
17.52
17.43
17.34
17.34
17.57
17.54
17.5
17.39
17.39
25.68
25.46
25.22
25.41
25.41
es)
23.02
23.23
17.3
22.65
22.83
19.6
22.72
22.96
19.87
22.86
23.1
18.84
22.7663
23.05
18.75
21.3
22.92
22.93
22.94
22.97
23
23.02
23.03
22.86
22.86
22.89
21.6
23.2
23.23
23.19
23.29
23.29
23.26
23.27
23.18
23.17
23.22
18.23
17.73
17.99
17.06
17.8
17.74
18.69
19.08
18.9
17.9
17.14
22.94
22.98
23.25
23.28
17.99
17.62
22.88
22.72
22.49
22.4
22.4
23.16
23
22.77
22.66
22.66
17.49
17.53
17.37
17.64
17.64
presente Nota.
to establecidas
/
2/
RRENCY
NSUMO / CONSUMER
HIPOTEPrstamos
Promedio CARIO
Loans
Average MORTMs de 360 d.
3/
AGE
More than
360 days
21.17
20.92
13.32
20.91
20.79
13.4
20.39
20.3
13.1
20.2
20
12.985
20.036
19.9
12.978
19.99
19.96
19.87
19.07
19.53
19.3
18.65
18.55
18.96
18.82
18.24
19.8
19.68
19.63
18.83
19.3
19.11
18.66
18.64
18.95
18.62
17.99
12.98
13
13.01
13.03
13.02
13.01
13.02
13.02
13.02
13.03
13.05
18.55
18.55
18.47
18.42
13.06
13.07
18.35
18.11
18.27
18.32
18.32
o de 2010.
18.23
18.07
18.08
18.18
18.18
13.07
13.05
12.99
12.92
12.92
PROMEDIO
ESTRUCTURA
CONSTANTE
FIX-WEIGHED
AVERAGE
4/
2008
18.87
Mar.
18.6
Jun.
18.4
Sep.
18.35
Dec.
2009
18.24
Jan
17.93
18.4
18.46
18.46
18.51
18.59
18.46
18.53
18.44
18.43
18.36
Feb.
Mar.
Apr.
May.
Jun.
Jul.
Aug.
Sep.
Oct.
Nov.
Dec.
2010
Jan.
Feb.
18.35
18.35
18.24
18.18
18.09
17.96
17.96
Mar.
Apr.
May
Jun.
Jul.
CUADRO 20
Sobregiro
Overdraft
2008
Mar.
Jun.
Set.
Dic.
2009
Ene.
Feb. 13/
31.802
26.4
36.1
38.909
37.569
34.01
32.2
32.9
Mar.
Abr.
May.
Jun.
Jul.
Ago
Set.
Oct.
Nov.
Dic.
2010
Ene.
Feb.
Mar.
34.3
40.1
34.4
42.7
42.9
37.7
30.1
23.178
18.9
38.6
28.049
24.1
26.6
Abr.
May.
Jun.
Jul. 14/
1/
2/
3/
4/
29.9
40.0
34.3
34.3
Prest. y dsctos.
comerc.hasta 30d.
Commercial
Loans and
Discount (30 d)
ACTIVAS / LEN
Prstamos y Descuento
Loans and Discount
hasta 360 das
Up to 360 days
8.505263333 14.03948742
7.45612
13.309001
7.99549
13.777568
9.04682
14.43946
10.08557
15.24774
8.1342075 12.80071583
10.3877
15.4981
10.5
15.41
10.0865
9.4798
8.78439
8.8047
8.46533
7.22301
6.06984
6.16912
5.94544
5.69466
14.193
13.792
13.13141
12.5921
12.1985
11.62344
11.3363
11.4438
11.26098
11.12896
4.5
4.67123
5.66124
11.14027
10.95887
10.7695
5.27551
5.67783
5.43713
5.43713
10.84325
10.74556
10.76811
10.76811
ACTIVAS / LENDING
amos y Descuentos
ans and Discount
ms de 360 das
more than 360 days
19.68659178
19.72193133
19.29606
19.40217
19.73324
18.79603333
19.7024
19.8
TAMN
3/
FTAMN
4/
23.673
23.858
23.725
24.333
23.021
21.042
22.925
22.888
23.173
28.265
21.555
23.06
22.517
20.862
22.973
23.038
19.23
19.019
18.69892
18.6417
18.7574
18.73
18.56507
18.49827
18.20624
17.7034
22.644
21.957
20.719
20.691
20.579
20.225
20.184
19.917
19.831
19.944
22.402
21.196
20.335
19.897
20.363
20.651
19.953
20.391
19.847
19.299
17.49725
17.33666
17.06734
19.975 18.688
19.76 18.963
19.488 19.448
16.95797
16.91553
16.76687
16.76687
19.394
19.179
19.124
19.124
19.482
20.093
20.853
20.853
P en el mes.
Preferencial
corporativa
a 90 das
Corporate Prime
(90 days) 5 /
6.5589125
5.591875
6.27
7.18
7.4794
3.9167275
7.36
7.18
16.70694
16.5319355
16.3666667
16.8546667
17.2287
16.0483217
17.28
17.38
6.87
5.87
4.53
3.5517
2.62903
1.97
1.81
1.79
1.71
1.73
16.95
16.7
16.22
16.1247
15.84
15.63
15.45
15.09516
14.96
14.95
1.66
1.64
1.68
14.77
14.62
14.41548
1.68
1.91
2.25
2.25
14.358
14.3255
14.274
14.274
Cuenta
corriente
Ahorro
PASIVAS / DEPOSITS
Plazos (das)/Term
hasta 30
31-180
Demand
Deposits
Savings
Up to 30
1.1022
1.1378
1.1465
0.8344
0.9322
0.824
0.9725
0.99
1.4514
1.4113
1.4977
1.5116
1.3851
1.0553
1.4174
1.48
5.2229
4.3308
4.9843
5.7909
6.4989
3.3183
6.5054
6.61
5.447
5.073
5.065
5.575
6.402
4.354
6.531
6.48
1.1574
1.1288
1.1399
0.9578
0.7394
0.6059
0.6825
0.5496
0.4768
0.4874
1.3896
1.3885
1.1295
1.0819
0.9546
0.9184
0.7797
0.7116
0.7088
0.7033
6.0915
5.241
3.944
2.9901
2.2849
1.4582
1.1958
1.1607
1.1505
1.187
6.328
6.02
5.491
5.012
4.124
3.38
2.773
2.288
2.009
1.82
0.4141
0.3864
0.3775
0.3775
0.5817
0.5678
0.5711
0.5711
1.2048
1.3676
1.5874
1.5874
1.691
1.709
1.787
1.787
ales) 1/ 2/
DEPOSITS
os (das)/Term(days)
181-360
360 a ms
TIPMN
7/
FTIPMN
8/
6.619
6.379
5.987
5.909
5.609
5.397
5.009
4.168
3.869
3.598
7.0213
7.04952
7.0594
7.0519
6.99726
6.93343
6.89658
6.90279
6.69423
6.4257
3.97
3.7
3.34
3.01
2.61
2.28
2.08
1.79
1.66
1.56
5.2573
4.601
3.879
3.0271
2.2735
1.6271
1.1782
1.071
1.0448
1.0542
3.228
2.942
2.751
6.2511
6.15823
5.86343
1.44 0.9675
1.39 0.9035
1.36 1.0983
2.577
2.509
2.518
2.518
5.6689
5.5947
5.5435
5.5435
1.3
1.33
1.39
1.39
1.119
1.11
1.306
1.306
3.283065547
3.421935484
3.1
3.145333333
3.3652
2.819299167
3.45
3.51
Tasa de
Inters Legal
Legal
Interest Rate
10/
3.50643371
3.25903226
3.51766667
3.65566667
3.83548
2.82828917
3.87194
4.07929
3.45
3.36
3.16
2.9803
2.73
2.54
2.41
2.26129
2.11
1.87
3.96774
3.704
3.3429
3.00767
2.61032
2.27548
2.078
1.79032
1.656
1.55581
1.78
1.71
1.61903
1.444581
1.39174
1.35968
1.6723
1.781
1.793
1.793
1.29767
1.33258
1.38977
1.38977
dicador a partir de
de julio de 2010.
Tasa Interbancaria
Promedio
de Poltica Monetaria
Interbank Average
Interest Rate
11/
Policy Interest
rate
12/
5.790000167
5.21
5.6801
6.43
6.5354
3.349467237
6.57342856
6.43575271
5.90
5.25
5.75
6.50
6.50
3.25
6.50
6.25
Tasa de Referencia
6.07282322
5.3285
4.26514
3.1308
2.24
1.33
1.2031
1.15272
1.219002352
1.24234
6.00
5.00
4.00
3.00
2.00
1.25
1.25
1.25
1.25
1.25
1.0
1.21524
1.23264
1.25
1.25
1.25
1.2197
1.4461
1.62
1.62
1.25
1.50
1.75
1.75
2008
Mar.
Jun.
Sep.
Dec.
2009
Jan.
Feb.
13/
Mar.
Apr.
May.
Jun.
Jul.
Aug.
Sep.
Oct.
Nov.
Dec.
2010
Jan.
Feb.
Mar.
Apr.
May.
Jun.
Jul.