Documentos de Académico
Documentos de Profesional
Documentos de Cultura
Preparado por Jos Alfredo Guerrero. Reportes generados con base de datos en Access, desarrollada por el
autor con la informacin de la Superintendencia de Bancos publicada en su portal.
SantaCruz
(Crditos Vigentes + Inversiones)/Activos
% Total
Total
30000
80.0
25000
2.5
70.0
20000
Banco
60.0
50.0
15000
1.5
40.0
10000
30.0
5000
0.5
20.0
10.0
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
0.0
D
0.0
0.0
J-14
5.0
A-14
10.0
F-14
10.0
D-13
20.0
O-13
15.0
Ag-13
30.0
J-13
20.0
Banco
F-13
40.0
D-12
25.0
D-11
50.0
J-11
30.0
D-10
60.0
D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
Ag
-1
3
O
-1
3
D13
F14
A14
J14
35.0
J-10
Total
A-13
Banco
70.0
D-09
Total
J-12
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
SantaCruz
Disponibilidades/Activos Netos
Total
Banco
Total
45.0
1.2
25.0
1.0
20.0
0.8
15.0
0.6
10.0
0.4
5.0
0.2
0.0
0.0
D
-0
9
30.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
1.4
-0
9
35.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
1.6
40.0
Banco
Banco
Total
6.0
Banco
1.6
1.4
5.0
1.2
4.0
1.0
3.0
0.8
0.6
2.0
0.4
1.0
0.2
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
D
J14
-1
4
A
F14
-1
3
D
-1
3
O
g13
A
J13
-1
3
A
F13
-1
2
D
J12
-1
1
0.0
J11
-1
0
0.0
SantaCruz
Total Captaciones/Total Pasivos
% Total
Total
25000
3
2.5
20000
Banco
100.0
98.0
96.0
94.0
15000
1.5
92.0
90.0
10000
5000
0.5
88.0
86.0
Total
Banco
Banco
60.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
50.0
40.0
30.0
20.0
10.0
10
M
-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
S-
14
J-
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
-1
M
S1
0.0
J-14
M-14
M-14
E-14
N-13
S-13
Jl-13
M-13
M-13
E-13
S-12
M-12
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
S-11
84.0
M-11
S-10
SantaCruz
Banco
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
13
-1
Banco
92.0
91.0
90.0
89.0
88.0
87.0
13
-1
3
E14
M
-1
4
M
-1
4
J14
S-
Jl
-1
3
M
-1
13
-1
M
12
E-
S-
2
-1
11
S-
-1
86.0
10
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
12
Total
Banco
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
E-
S-
-1
11
S-
Total
14
J-
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
-1
M
-1
M
13
E-
12
S-
11
-1
M
S-
-1
M
S-
10
0.0
5.0
S-
10.0
-1
15.0
20.0
S-
25.0
10
50.0
45.0
40.0
35.0
30.0
25.0
20.0
15.0
10.0
5.0
0.0
30.0
Banco
SantaCruz
Cartera Bruta Banco y Participacin en el Total
MM RD$
% Total
14000
Total
2.5
12000
10000
Banco
99.0
98.0
97.0
8000
1.5
6000
4000
0.5
2000
96.0
95.0
94.0
93.0
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
92.0
D
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
Banco
7.0
Total
Banco
2.5
6.0
2.0
5.0
1.5
4.0
3.0
1.0
2.0
0.5
1.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
D
D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
Ag
-1
3
O
-1
3
D13
F14
A14
0.0
0.0
SantaCruz
Cartera Reestructurada/Cartera Bruta
Banco
Total
2.5
Banco
1.2
1.0
2.0
0.8
1.5
0.6
1.0
0.4
0.5
0.2
MM RD$
J-14
A-14
F-14
D-13
O-13
Ag-13
J-13
A-13
F-13
D-12
J-12
D-11
J-11
% Total
600
500
400
D-10
D-09
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
D
J-10
0.0
0.0
Banco
300.0
250.0
200.0
2
300
2
200
150.0
100
50.0
0.0
D
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
100.0
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
SantaCruz
Cartera Vigente MN/Cartera Crdito
Total
Banco
90.0
40.0
80.0
35.0
70.0
30.0
60.0
Banco
25.0
50.0
20.0
40.0
MM RD$
% Total
2
1.5
1
J14
200
150
1
0.5
0.5
50
J-14
A-14
F-14
D-13
O-13
Ag-13
J-13
A-13
F-13
D-12
0
J-12
0
D-11
J-11
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
100
2000
0
250
D-10
4000
2.5
1.5
8000
6000
300
J-10
10000
2.5
14000
12000
% Total
350
D-09
16000
S13
N
-1
3
E14
M
-1
4
M
-1
4
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S10
M
-1
1
J14
M
-1
4
E14
M
-1
4
-1
3
N
S13
Jl
-1
3
0.0
M
-1
3
0.0
E13
M
-1
3
5.0
S12
10.0
S11
M
-1
2
10.0
S10
M
-1
1
20.0
S11
M
-1
2
15.0
30.0
INDICADORES LIQUIDEZ
SantaCruz
Disponibilidades y Participacin en el Total
% Total
Total
9000
8000
7000
6000
5000
4000
3
2
3000
2000
1000
0
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
50.0
45.0
40.0
35.0
30.0
25.0
20.0
15.0
10.0
5.0
0.0
Banco
Total
45.0
70.0
40.0
35.0
60.0
50.0
30.0
25.0
40.0
20.0
30.0
15.0
20.0
10.0
0.0
D
-0
9
0.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
10.0
-0
9
5.0
Banco
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
50.0
Banco
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J1
A 3
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
10000
MM RD$
Disponibilidades/Total de Captaciones
SantaCruz
Activos Productivos/Total Captaciones + Oblig. Con Costo
Total
100.0
Banco
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
J14
-1
4
A
F14
-1
3
D
-1
3
O
g13
A
J13
-1
3
A
F13
-1
2
D
J12
-1
1
D
J11
-1
0
D
J10
-0
9
0.0
Disponibilidades en Caja
MM RD$
% Total
4000
3.5
3500
3000
2500
% Total
2500
14
12
2000
2.5
2
10
1500
1000
2000
J-14
A-14
F-14
D-13
O-13
Ag-13
J-13
A-13
F-13
D-12
0
J-12
0
D-11
2
J-11
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
0.5
4
500
D-10
500
J-10
1000
1.5
D-09
1500
SantaCruz
Sueldos y compensaciones al personal/Total
Gastos Generales y Administrativos
% Total
1400
2.5
Total
Banco
70.0
1200
1000
1.5
800
60.0
50.0
40.0
600
400
0.5
200
30.0
20.0
10.0
Total
40.0
30.0
30.0
20.0
20.0
10.0
10.0
0.0
0.0
D
-0
9
40.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
50.0
-0
9
50.0
Banco
60.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
60.0
Total
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
0.0
D
D09
J10
D10
J11
D11
J12
D12
F13
A13
J1
Ag 3
-1
3
O
-1
3
D13
F14
A14
J14
INDICADORES DE GESTION
SantaCruz
Gastos de Explotacin / Margen Operacional Bruto
(Cost / Income)
Total
100.0
Banco
Banco
12.0
90.0
10.0
80.0
70.0
8.0
60.0
50.0
6.0
40.0
4.0
30.0
20.0
2.0
10.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
D
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
0.0
-0
9
0.0
Total
Banco
6.0
120.0
Banco
100.0
5.0
80.0
4.0
60.0
3.0
40.0
2.0
20.0
1.0
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
M
-1
S1
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
D
0.0
0.0
SantaCruz
Gastos Financieros / Activos Financieros (CF)
10.0
Banco
Total
6.0
9.0
Banco
5.0
8.0
7.0
4.0
6.0
3.0
5.0
4.0
2.0
3.0
2.0
1.0
1.0
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
S1
J14
M
-1
4
E14
M
-1
4
-1
3
N
S13
M
-1
3
Jl
-1
3
E13
M
-1
3
S12
S11
M
-1
2
S10
M
-1
1
0.0
0.0
60.0
Banco
Total
16.0
Banco
14.0
50.0
12.0
40.0
10.0
30.0
8.0
6.0
20.0
4.0
10.0
2.0
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
M
S1
1
-1
M
S1
J14
M
-1
4
E14
M
-1
4
-1
3
N
S13
M
-1
3
Jl
-1
3
E13
M
-1
3
S12
S11
M
-1
2
S10
M
-1
1
0.0
0.0
INDICADORES DE GESTION
SantaCruz
Gasto de Personal / Gastos de Explotacin
Total
Banco
Total
Banco
2.5
70.0
60.0
2.0
50.0
1.5
40.0
30.0
1.0
20.0
0.5
10.0
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
0
M
S1
14
J-
-1
M
S1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
0.0
0.0
50.0
Total
Banco
Banco
1.2
45.0
1.0
40.0
35.0
0.8
30.0
0.6
25.0
20.0
0.4
15.0
10.0
0.2
5.0
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
1
M
S1
1
-1
M
S1
J14
M
-1
4
E14
M
-1
4
-1
3
N
S13
M
-1
3
Jl
-1
3
E13
M
-1
3
S12
S11
M
-1
2
S10
M
-1
1
0.0
0.0
SantaCruz
Activos Productivos / No. Empleados
(MM RD$)
Banco
40.0
Total
30.0
Banco
35.0
25.0
30.0
25.0
20.0
20.0
15.0
15.0
10.0
10.0
5.0
5.0
Total
1,400.0
Banco
1,200.0
1,000.0
800.0
600.0
400.0
200.0
J14
E14
M
-1
4
M
-1
4
-1
3
N
S13
E13
M
-1
3
M
-1
3
Jl
-1
3
S12
S11
M
-1
2
S10
M
-1
1
0.0
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
M
S1
14
J-
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
-1
3
M
13
-1
M
E-
12
S-
-1
M
11
1
-1
M
S-
10
S-
0.0
0.0
INDICADORES RENTABILIDAD
SantaCruz
Rentabilidad Patrimonial
% Total
Total
700
70.0
600
60.0
50.0
500
400
3
300
40.0
30.0
200
20.0
0.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
10.0
D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
S13
N13
E14
M
-1
4
M
-1
4
J14
100
Banco
J-14
A-14
F-14
D-13
O-13
Ag-13
J-13
A-13
F-13
D-12
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
0.0
J-12
1.0
D-11
2.0
J-11
3.0
D-10
4.0
J-10
5.0
D-09
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
6.0
-0
9
Total
Banco
7.0
Banco
J-14
A-14
F-14
D-13
O-13
Ag-13
J-13
A-13
F-13
D-12
J-12
D-11
J-11
D-10
J-10
SantaCruz
D-09
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
0.0
Total
Banco
Banco
80.0
30.0
70.0
25.0
60.0
20.0
50.0
15.0
40.0
30.0
10.0
Banco
Total
16.0
Banco
82.0
14.0
80.0
12.0
78.0
76.0
10.0
74.0
8.0
72.0
70.0
6.0
68.0
66.0
4.0
64.0
2.0
62.0
0.0
60.0
S-10
D-10
M-11
J-11
S-11
S-10
D-10
M -11
J-11
S-11
J-14
M-14
M-14
E-14
N-13
S-13
Jl-13
M-13
M-13
E-13
S-12
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
M-12
0.0
S-11
0.0
S-10
10.0
-0
9
5.0
M-11
20.0
INDICADORES DE CAPITAL
SantaCruz
Capital Circulacin + Reserva Legal/Pasivos +
Patrimonio
Indice de Solvencia
Total
20.0
Total
Banco
Banco
12.0
18.0
10.0
16.0
14.0
8.0
12.0
10.0
6.0
8.0
4.0
6.0
2.0
4.0
2.0
J14
M
-1
4
E14
M
-1
4
-1
3
N
S13
M
-1
3
Jl
-1
3
E13
M
-1
3
S12
S11
M
-1
2
S10
M
-1
1
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
0.0
0.0
12.0
Banco
Banco
14.0
12.0
10.0
10.0
8.0
8.0
6.0
6.0
4.0
J14
S13
N
-1
3
E14
M
-1
4
M
-1
4
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S10
M
-1
1
J14
M
-1
4
E14
M
-1
4
-1
3
N
S13
M
-1
3
Jl
-1
3
E13
M
-1
3
0.0
S12
0.0
S11
M
-1
2
2.0
S10
M
-1
1
2.0
S11
M
-1
2
4.0
SantaCruz
Activos Improductivos / Patrimonio Neto (Veces)
25.0
Total
Banco
Banco
5.0
4.5
4.0
20.0
3.5
3.0
15.0
2.5
2.0
10.0
1.5
1.0
5.0
0.5
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14
-1
M
S1
J14
-1
4
A
F14
-1
3
D
-1
3
O
g13
A
J13
-1
3
A
F13
-1
2
D
J12
-1
1
D
J11
-1
0
D
0.0
0.0
88.0
Total
Banco
86.0
% Total
3000
2500
2.5
2000
1500
1.5
1000
84.0
82.0
80.0
78.0
76.0
74.0
500
0.5
72.0
J-14
A-14
F-14
D-13
O-13
Ag-13
J-13
A-13
F-13
D-12
J-12
D-11
J-11
D-10
J-10
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14
-0
9
D
0
D-09
70.0