Crditos Totales por Departamento y Tipo de Empresa del Sistema Financiero

322,252
142,103
58,808
83,794
13,057
81,754
93,998
2,356
39,608
2,749
156,100
17,305
5,230
1,065
10,593
3,067
19,776
12,689
1,664
5,601
8,966
1,597
10,360
1,094,495
1,094,495

346,727
346,727
346,727

%
participacin

535,799
181,200
159,874
49,671
57,228
97,172
232,712
187,287
75,810
88,090
109,926
31,437
7,256
61,496
21,223
8,342
48,783
13,942
21,168
3,913
43,104
9,885
4,356
2,049,675
2,049,675

TOTAL

Cajas
Rurales de
Ahorro y
Crdito

1,767,210
1,067,045
568,094
992,102
32,717
428,156
516,494
333,246
731,970
258,497
565,179
380,692
302,443
206,682
350,047
150,978
201,763
141,757
191,405
162,389
263,706
212,200
62,399
150,248
61,805
10,099,223
10,099,223

Nacin 2/

Cajas
Municipales

3,229,096
568,215
301,931
356,363
104,932
230,840
404,197
159,493
180,457
214,621
335,538
194,687
118,845
56,582
83,364
96,625
117,965
77,440
43,360
16,680
17,569
28,952
54,208
1,040
23,770
7,016,769
7,016,769

Departamento

Agrobanco1/

Empresas
Financieras

Lima
99,108,009
Arequipa
3,490,161
La Libertad
3,976,177
Piura
2,773,526
Callao
3,751,590
Lambayeque
2,416,744
Junn
1,569,564
Ica
1,716,901
Cusco
1,225,787
Ancash
1,498,433
Puno
744,673
Cajamarca
1,018,246
San Martn
1,095,641
Loreto
1,029,106
Tacna
742,513
Ucayali
660,538
Hunuco
445,826
Ayacucho
315,290
Tumbes
259,184
Moquegua
314,036
Madre de Dios
115,320
Apurmac
68,310
Pasco
192,242
Amazonas
68,152
Huancavelica
23,749
Total Crditos Pas 128,619,717
Extranjero
1,749,141
Total de Crditos 130,368,859

Edpymes
Empresas
de
Arrendamien
to
Financiero

Banca
Mltiple

Al 31 de March de 2012
(En miles de Soles)

18,884
29,137
14,418
8,945
29,378
65,451
9,370
15,145
18,726
8,038
24,525
15,188
10,058
267,264
267,264

965,874
175,974
139,455
146,612
89,250
144,595
144,075
100,853
113,846
91,733
87,848
93,810
84,198
122,725
41,287
48,060
64,855
62,918
37,841
22,927
11,031
35,672
28,957
45,745
25,293
2,925,437
2,925,437

106,293,851
5,653,835
5,218,757
4,411,014
3,991,546
3,388,694
2,890,952
2,554,930
2,494,100
2,141,843
1,996,154
1,822,705
1,662,320
1,438,605
1,289,300
980,492
858,526
668,935
547,395
542,802
411,540
397,204
339,403
285,432
138,972
152,419,307
1,749,141
154,168,448

68.95%
3.67%
3.39%
2.86%
2.59%
2.20%
1.88%
1.66%
1.62%
1.39%
1.29%
1.18%
1.08%
0.93%
0.84%
0.64%
0.56%
0.43%
0.36%
0.35%
0.27%
0.26%
0.22%
0.19%
0.09%
98.87%
1.13%
100.00%

Nota: Informacin obtenida del Anexo N 10: Depsitos, Colocaciones y Personal por Oficina y en el caso de B. Nacin es el Anexo N 6: Reporte Crediticio de Deudores.
1/ No considera los crditos a las dems empresas del Sistema Financiero.
2/ Slo considera los crditos de consumo e hipotecario

PARTICIPACION DEL MERCADO

Crditos Totales por Departamento y Tipo de Empresa del Sistema Financiero

26.14%
8.84%
7.80%
2.42%
0.00%
2.79%
4.74%
11.35%
9.14%
3.70%
4.30%
5.36%
1.53%
0.35%
3.00%
1.04%
0.41%
2.38%
0.68%
1.03%
0.19%
2.10%
0.00%
0.48%
0.21%
100.00%
0.00%
100.00%

29.44%
12.98%
5.37%
7.66%
1.19%
7.47%
8.59%
0.22%
3.62%
0.25%
14.26%
1.58%
0.48%
0.10%
0.97%
0.28%
1.81%
1.16%
0.15%
0.51%
0.00%
0.82%
0.15%
0.95%
0.00%
100.00%
0.00%
100.00%

Primer lugar de atencin

Segundo lugar de atencin
Tercer lugar de atencin

1 Lugar de Atencin
Empresas Financieras
Cajas Municipales
Cajas Rurales de Ahorro y
Crdito
Edpymes

Departamento
Lima
Arequipa
La Libertad
Piura
Callao
Lambayeque
Junn
Ica
Cusco
Ancash
Puno
Cajamarca
San Martn
Resto

Lima
Lima

2 Lugar de Atencin

3 Lugar de Atencin

Arequipa
Arequipa

Junin
Piura

Lima

Ica

La Libertad

Lima

Puno

Arequipa

% participacin
68.95%
3.67%
3.39%
2.86%
2.59%
2.20%
1.88%
1.66%
1.62%
1.39%
1.29%
1.18%
1.08%
6.26%

100.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
100.00%
0.00%
100.00%

TOTAL

17.50%
10.57%
5.63%
9.82%
0.32%
4.24%
5.11%
3.30%
7.25%
2.56%
5.60%
3.77%
2.99%
2.05%
3.47%
1.49%
2.00%
1.40%
1.90%
1.61%
2.61%
2.10%
0.62%
1.49%
0.61%
100.00%
0.00%
100.00%

Nacin 2/

Cajas
Rurales de
Ahorro y
Crdito

46.02%
8.10%
4.30%
5.08%
1.50%
3.29%
5.76%
2.27%
2.57%
3.06%
4.78%
2.77%
1.69%
0.81%
1.19%
1.38%
1.68%
1.10%
0.62%
0.24%
0.25%
0.41%
0.77%
0.01%
0.34%
100.00%
0.00%
100.00%

Agrobanco1/

Cajas
Municipales

76.02%
2.68%
3.05%
2.13%
2.88%
1.85%
1.20%
1.32%
0.94%
1.15%
0.57%
0.78%
0.84%
0.79%
0.57%
0.51%
0.34%
0.24%
0.20%
0.24%
0.09%
0.05%
0.15%
0.05%
0.02%
98.66%
1.34%
100.00%

Edpymes
Empresas
de
Arrendamien
to
Financiero

Empresas
Financieras

Departamento
Amazonas
Ancash
Apurmac
Arequipa
Ayacucho
Cajamarca
Callao
Cusco
Huancavelica
Hunuco
Ica
Junn
La Libertad
Lambayeque
Lima
Loreto
Madre de Dios
Moquegua
Pasco
Piura
Puno
San Martn
Tacna
Tumbes
Ucayali
Total Crditos Pas
Extranjero
Total de Crditos

Banca
Mltiple

Al 31 de March de 2012
(porcentaje)

7.07%
10.90%
5.39%
3.35%
0.00%
10.99%
24.49%
3.51%
5.67%
0.00%
7.01%
3.01%
9.18%
5.68%
0.00%
0.00%
0.00%
3.76%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
100.00%
0.00%
100.00%

33.02%
6.02%
4.77%
5.01%
3.05%
4.94%
4.92%
3.45%
3.89%
3.14%
3.00%
3.21%
2.88%
4.20%
1.41%
1.64%
2.22%
2.15%
1.29%
0.78%
0.38%
1.22%
0.99%
1.56%
0.86%
100.00%
0.00%
100.00%

68.95%
3.67%
3.39%
2.86%
2.59%
2.20%
1.88%
1.66%
1.62%
1.39%
1.29%
1.18%
1.08%
0.93%
0.84%
0.64%
0.56%
0.43%
0.36%
0.35%
0.27%
0.26%
0.22%
0.19%
0.09%
98.87%
1.13%
100.00%

Crditos Totales por Departamento y Tipo de Empresa del Sistema

Empresas
Financieras

Cajas
Municipales

Cajas
Rurales de
Ahorro y
Crdito

Amazonas
53,448
Ancash
1,292,792
Apurimac
55,529
Arequipa
3,038,264
Ayacucho
286,053
Cajamarca
874,464
Callao
3,354,424
Cusco
1,089,190
Huancavelica
17,369
Hunuco
382,326
Ica
1,436,492
Junin
1,360,283
La Libertad
3,585,591
Lambayeque
2,416,477
Lima
91,617,678
Loreto
844,458
Madre de Dios
98,370
Moquegua
261,457
Pasco
168,092
Piura
2,398,496
Puno
656,257
San Martin
885,662
Tacna
615,667
Tumbes
248,978
Ucayali
559,805
Total Crditos Pas 117,597,625
Extranjero
2,744,667
Total de Crditos 120,342,292

599
177,030
31,419
462,656
76,407
151,749
88,146
138,588
20,224
78,082
134,131
340,798
251,655
190,715
2,755,374
55,588
4,049
11,334
35,534
315,460
258,997
88,091
61,047
33,827
81,382
5,842,879
5,842,879

132,641
270,047
184,461
847,075
128,400
346,648
24,034
645,048
52,711
161,174
293,590
439,567
551,149
403,175
1,657,200
193,799
240,093
134,608
50,277
939,534
477,380
257,449
283,154
166,612
136,999
9,016,826
9,016,826

9,778
69,895
29,903
203,353
34,883
110,801
158,951
4,263
12,504
228,081
70,464
176,727
59,837
449,143
7,663
2,638
22,498
51,313
67,330
24,431
93,254
14,449
13,459
1,915,618
1,915,618

Departamento

Edpymes
Empresas
de
Arrendamie
nto
Financiero

Banca
Mltiple

Al 30 de June de 2011
(En miles de Soles)

4,108
1,206
8,835
134,502
23,871
26,670
11,942
37,897
16,394
90,942
48,659
86,387
304,977
5,423
1,579
68,036
134,644
6,092
1,012,164
1,012,164

205,674
205,674
205,674

Fuente: Anexo N 10: Depsitos, Colocaciones y Personal por Oficina y en el caso de B. Nacin es el Anexo N 6: Reporte Crediticio de Deudores
1/ No considera los crditos a las dems empresas del Sistema Financiero.
2/ Slo considera los crditos de consumo e hipotecario

Participacin
Crditos Totales por Departamento y Tipo de Empresa del Sistema Fina

Empresas
Financieras

Cajas
Municipales

Cajas
Rurales de
Ahorro y
Crdito

Amazonas
0.05%
Ancash
1.10%
Apurimac
0.05%
Arequipa
2.58%
Ayacucho
0.24%
Cajamarca
0.74%
Callao
2.85%
Cusco
0.93%
Huancavelica
0.01%
Hunuco
0.33%
Ica
1.22%
Junin
1.16%
La Libertad
3.05%
Lambayeque
2.05%
Lima
77.91%
Loreto
0.72%
Madre de Dios
0.08%
Moquegua
0.22%
Pasco
0.14%
Piura
2.04%
Puno
0.56%
San Martin
0.75%
Tacna
0.52%
Tumbes
0.21%
Ucayali
0.48%
Total Crditos Pas 117,597,625

0.01%
3.03%
0.54%
7.92%
1.31%
2.60%
1.51%
2.37%
0.35%
1.34%
2.30%
5.83%
4.31%
3.26%
47.16%
0.95%
0.07%
0.19%
0.61%
5.40%
4.43%
1.51%
1.04%
0.58%
1.39%
5,842,879

1.47%
2.99%
2.05%
9.39%
1.42%
3.84%
0.27%
7.15%
0.58%
1.79%
3.26%
4.87%
6.11%
4.47%
18.38%
2.15%
2.66%
1.49%
0.56%
10.42%
5.29%
2.86%
3.14%
1.85%
1.52%
9,016,826

0.51%
3.65%
1.56%
10.62%
1.82%
5.78%
0.00%
8.30%
0.22%
0.65%
11.91%
3.68%
9.23%
3.12%
23.45%
0.40%
0.14%
1.17%
0.00%
2.68%
3.51%
1.28%
4.87%
0.75%
0.70%
1,915,618

Departamento

Primer lugar de atencin

Segundo lugar de atencin
Tercer lugar de atencin

Edpymes
Empresas
de
Arrendamie
nto
Financiero

Banca
Mltiple

Al 30 de June de 2011
(En miles de Soles)

0.41%
0.12%
0.87%
13.29%
2.36%
2.63%
1.18%
3.74%
0.00%
1.62%
0.00%
8.98%
4.81%
8.53%
30.13%
0.00%
0.00%
0.54%
0.16%
6.72%
13.30%
0.00%
0.60%
0.00%
0.00%
1,012,164

0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
100.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
205,674

Agrobanco
1/

Nacin 2/

TOTAL

de Empresa del Sistema

22,562
10,860
10,232
12,619
8,718
52,983
16,538
22,579
20,945
11,938
12,466
14,879
18,885
236,203
236,203

41,720
87,151
32,827
171,628
57,288
88,286
85,608
111,517
24,804
63,567
98,852
137,924
131,328
140,779
930,040
116,537
10,051
21,666
29,181
142,266
85,855
80,406
41,931
35,691
44,865
2,811,769
2,811,769

242,293
1,898,120
342,975
4,880,041
617,762
1,608,850
3,564,153
2,193,811
119,371
714,046
2,199,864
2,492,960
4,761,646
3,319,949
97,941,032
1,229,983
355,201
456,986
284,663
3,927,572
1,695,342
1,354,924
1,101,146
499,557
836,510
138,638,757
2,744,667
141,383,425

6: Reporte Crediticio de Deudores

Empresa del Sistema Financiero

Participacin
%
0.17%
1.37%
0.25%
3.52%
0.45%
1.16%
2.57%
1.58%
0.09%
0.52%
1.59%
1.80%
3.43%
2.39%
70.64%
0.89%
0.26%
0.33%
0.21%
2.83%
1.22%
0.98%
0.79%
0.36%
0.60%
100.00%

Agrobanco
1/

Nacin 2/

TOTAL

0.00%
0.00%
0.00%
9.55%
4.60%
4.33%
0.00%
5.34%
0.00%
0.00%
3.69%
22.43%
7.00%
9.56%
8.87%
5.05%
0.00%
0.00%
0.00%
5.28%
6.30%
8.00%
0.00%
0.00%
0.00%
236,203

1.48%
3.10%
1.17%
6.10%
2.04%
3.14%
3.04%
3.97%
0.88%
2.26%
3.52%
4.91%
4.67%
5.01%
33.08%
4.14%
0.36%
0.77%
1.04%
5.06%
3.05%
2.86%
1.49%
1.27%
1.60%
2,811,769

0.17%
1.37%
0.25%
3.52%
0.45%
1.16%
2.57%
1.58%
0.09%
0.52%
1.59%
1.80%
3.43%
2.39%
70.64%
0.89%
0.26%
0.33%
0.21%
2.83%
1.22%
0.98%
0.79%
0.36%
0.60%
138,638,757

Crditos Directos por Departamento y Tipo de Empr

Amazonas

Edpymes

Cajas
Rurales de
Ahorro y
Crdito

Cajas
Municipales

Empresas
Financieras

Departamento

Banca
Mltiple

Al 31 de December de 2007
(En miles de Soles)

18,532

37,710

858,712

166,921

41,282

50,927

Apurmac

17,104

70,166

12,882

7,796

Arequipa

Ancash

1,459,535

369,815

102,370

158,241

Ayacucho

91,210

38,063

16,790

17,798

Cajamarca

442,282

214,134

51,870

40,844

Callao

2,075,662

4,550

2,677

Cusco

470,164

257,543

86,056

26,727

7,248

17,465

3,352

6,697

Hunuco

198,091

54,229

5,946

Ica

805,340

147,112

151,404

5,915

Junn

599,370

254,223

22,073

129,395

La Libertad

1,864,058

369,893

87,288

45,048

Lambayeque

1,111,268

263,680

27,059

58,997

642,688

101,155

395,983
5,355

Huancavelica

Lima
Loreto
Madre de Dios
Moquegua
Pasco

50,995,876

975,533

475,925

88,517

9,527

24,281

114,515

291,309

84,116

541

14,831

76,138

23,949

5,854

Piura

1,174,440

485,863

17,824

64,769

Puno

333,220

212,381

21,537

83,208

San Martn

386,484

102,733

44,284

2,570

Tacna

300,224

128,033

8,670

41,804

Tumbes

139,519

102,041

4,693

2,320

Ucayali
Total Crditos Pas
Extranjero
Total de Crditos

312,492
64,528,485
2,300,847
66,829,331

975,533
975,533

45,338

2,433

17,095

4,295,678

813,089

1,190,796

4,295,678

813,089

1,190,796

Nota: Informacin obtenida del Anexo N 10: Depsitos, Colocaciones y Personal por Oficina. El Banco de la Nacin reporta casi la totalidad de s
1/ Slo considera los crditos de consumo
2/ No considera los crditos a las dems empresas del Sistema Financiero.

Participacin
Crditos Directos por Departamento y Tipo de Empr
Al 31 de December de 2007

Banca
Mltiple

Empresas
Financieras

Cajas
Municipales

Cajas
Rurales de
Ahorro y
Crdito

Edpymes

(Porcentaje)

Amazonas

0.03%

0.00%

0.88%

0.00%

0.00%

Ancash

1.33%

0.00%

3.89%

5.08%

4.28%

Apurmac

0.03%

0.00%

1.63%

1.58%

0.65%

Arequipa

2.26%

0.00%

8.61%

12.59%

13.29%

Ayacucho

0.14%

0.00%

0.89%

2.06%

1.49%

Cajamarca

0.69%

0.00%

4.98%

6.38%

3.43%

Callao

3.22%

0.00%

0.11%

0.00%

0.22%

Cusco

0.73%

0.00%

6.00%

10.58%

2.24%

Huancavelica

0.01%

0.00%

0.41%

0.41%

0.56%

Hunuco

0.31%

0.00%

1.26%

0.00%

0.50%

Ica

1.25%

0.00%

3.42%

18.62%

0.50%

Junn

0.93%

0.00%

5.92%

2.71%

10.87%

La Libertad

2.89%

0.00%

8.61%

10.74%

3.78%

Lambayeque

1.72%

0.00%

6.14%

3.33%

4.95%

Lima

79.03%

100.00%

14.96%

12.44%

33.25%

Loreto

0.74%

0.00%

2.06%

1.17%

0.45%

Madre de Dios

0.04%

0.00%

2.67%

0.00%

0.00%

Moquegua

0.45%

0.00%

1.96%

0.07%

1.25%

Pasco

0.12%

0.00%

0.56%

0.00%

0.49%

Piura

1.82%

0.00%

11.31%

2.19%

5.44%

Puno

0.52%

0.00%

4.94%

2.65%

6.99%

San Martn

0.60%

0.00%

2.39%

5.45%

0.22%

Tacna

0.47%

0.00%

2.98%

1.07%

3.51%

Tumbes

0.22%

0.00%

2.38%

0.58%

0.19%

Ucayali

0.48%

0.00%

1.06%

0.30%

1.44%

64,528,485

975,533

4,295,678

813,089

1,190,796

Departamento

Total Crditos Pas

Primer lugar de atencin

Segundo lugar de atencin
Tercer lugar de atencin

partamento y Tipo de Empresa

Total

Agrobanco
2/

Banco
de la Nacin
1/

Empresas
de
Arrendamie
nto
Financiero

December de 2007
miles de Soles)

56,242

1,117,841

107,949

174

3,547

2,093,683

2,185

166,046

701

749,832

5,107

845,597

34,762

2,082,890

258,266

1,871

2,166

1,113,808

287

12,508

1,017,857

1,189

4,672

2,372,150

3,117

1,464,120

20,042

57,107,425

1,790,288

2,185,862

618

579,941

138,796

390,797

6,047

1,748,943

1,702

652,049

1,066

537,136

478,731

248,574

1,790,288
1,790,288

2,189,383
2,189,383

105,941

377,358

63,478

75,846,730

2,300,847

63,478

78,147,577

Participacin
%
0.07%
1.47%
0.14%
2.76%
0.22%
0.99%
2.75%
1.11%
0.05%
0.34%
1.47%
1.34%
3.13%
1.93%
75.29%
0.76%
0.18%
0.52%
0.14%
2.31%
0.86%
0.71%
0.63%
0.33%
0.50%
100.00%

r Oficina. El Banco de la Nacin reporta casi la totalidad de sus operaciones en la oficina principal de Lima

ticipacin
partamento y Tipo de Empresa

December de 2007

Empresas
de
Arrendamie
nto
Financiero

Banco
de la Nacin
1/

Agrobanco
2/

Total

Porcentaje)

0.00%

0.00%

0.00%

0.07%

0.00%

0.00%

0.00%

1.47%

0.00%

0.00%

0.00%

0.14%

0.00%

0.01%

5.59%

2.76%

0.00%

0.00%

3.44%

0.22%

0.00%

0.00%

1.10%

0.99%

0.00%

0.00%

0.00%

2.75%

0.00%

0.00%

8.05%

1.11%

0.00%

0.00%

0.00%

0.05%

0.00%

0.00%

0.00%

0.34%

0.00%

0.09%

3.41%

1.47%

0.00%

0.01%

19.70%

1.34%

0.00%

0.05%

7.36%

3.13%

0.00%

0.00%

4.91%

1.93%

100.00%

99.84%

31.57%

75.29%

0.00%

0.00%

0.97%

0.76%

0.00%

0.00%

0.00%

0.18%

0.00%

0.00%

0.00%

0.52%

0.00%

0.00%

0.00%

0.14%

0.00%

0.00%

9.53%

2.31%

0.00%

0.00%

2.68%

0.86%

0.00%

0.00%

1.68%

0.71%

0.00%

0.00%

0.00%

0.63%

0.00%

0.00%

0.00%

0.33%

0.00%

0.00%

0.00%

0.50%

1,790,288

2,189,383

63,478

75,846,730