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I.

RANKING CARTERA DE CREDITOS POR TIPO


30/06/2013
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamos Personales con Descuento por Nmina

Reservas
Len
ADEMI
Citibank
Vimenca
Caribe
Promerica
BDI
BLH
Scotia
Bancamerica
Progreso
Total Todos los Bancos

82,732
2,453
1,829
133
292
1,046
363
296
558
72
254
412
90,440

6,984.8
380.2
131.9
56.3
55.5
52.2
44.0
30.8
30.5
30.1
20.8
10.2
7,827.1

4.2%
1.4%
1.3%
0.8%
3.3%
1.3%
1.1%
0.5%
0.7%
0.1%
1.3%
0.1%
1.5%

89.2%
4.9%
1.7%
0.7%
0.7%
0.7%
0.6%
0.4%
0.4%
0.4%
0.3%
0.1%
100.0%

6,984.8
380.2
131.9
56.3
55.5
52.2
44.0
30.8
29.9
30.1
20.8
10.2
7,826.4

100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
97.8%
100.0%
100.0%
100.0%
100.0%

0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.7
0.0
0.0
0.0
0.7

15.24
15.49
16.95
4.85
16.50
22.73
17.01
10.24
19.08
7.47
19.93
26.29

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.50
0.00
0.00
0.00
15.27

Fuente: Datos tomados del Portal de la Superintendencia de Bancos www.sb.gov.do y procesados en base datos Access de Jos Alfredo Guerrero.
30/06/2013 Tasa Cambio: 41.793

mircoles, 14 de agosto de 2013

www.scribd.com/JoseAlfredoGuerreroB

Page 1 of 1

9.50

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

MN

TOTAL BANCOS

90,440

7,827.1

90,439

7,826.4

100.0%

15.3

Reservas

82,732

6,984.8

82,732

6,984.8

100.0%

3,396

211.1

3,396

211.1

100.0%

EL SEIBO

67

11.6

67

11.6

100.0%

HATO MAYOR

65

10.6

65

10.6

100.0%

238

17.5

238

17.5

100.0%

1,332

68.5

1,332

68.5

100.0%

369

34.6

369

34.6

100.0%

1,325

68.2

1,325

68.2

100.0%

66,262

5,879.5

66,262

5,879.5

100.0%

58,824

5,321.4

58,824

5,321.4

100.0%

7,438

558.0

7,438

558.0

100.0%

7,460

563.0

7,460

563.0

100.0%

DAJABON

113

5.3

113

5.3

100.0%

DUARTE

574

77.2

574

77.2

100.0%

ESPAILLAT

192

15.3

192

15.3

100.0%

84

8.3

84

8.3

100.0%

LA VEGA

547

33.2

547

33.2

100.0%

MARIA TRINIDAD SANCHEZ

292

33.6

292

33.6

100.0%

MONSEOR NOUEL

402

25.3

402

25.3

100.0%

MONTE CRISTI

540

42.5

540

42.5

100.0%

PUERTO PLATA

394

35.0

394

35.0

100.0%

SAMANA

284

13.8

284

13.8

100.0%

SANCHEZ RAMIREZ

136

14.7

136

14.7

100.0%

3,544

238.6

3,544

238.6

100.0%

70

3.1

70

3.1

100.0%

15.2
18.3
20.0
19.4
18.0
18.6
19.6
17.1
14.7
14.4
17.0
18.1
18.6
17.6
18.3
19.0
17.1
18.6
17.7
18.8
17.7
18.9
18.9
18.2
17.4

Regin Este

LA ALTAGRACIA
LA ROMANA
MONTE PLATA
SAN PEDRO DE MACORIS
Regin Metropolitana
DISTRITO NACIONAL
SANTO DOMINGO
Regin Norte

HERMANAS MIRABAL

SANTIAGO
SANTIAGO RODRIGUEZ
mircoles, 14 de agosto de 2013

ME

9.5

% Cartera x Clasificacin de Riesgo


A

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

98

58.9

0.8%

133.5

98
97
96
97
93
98
100
96
98
98
98
98
99
97
99
100
99
100
99
96
98
93
99
99
100

1
1
0
1
5
0

0
1
4
0
0
0

0
0

53.6

0.8%

120.0

1.7

0.8%

3.9

0.1

0.9%

0.2

0.3

2.6%

0.3

0.3

1.5%

0.3

0.6

0.8%

1.4

0.1

0.2%

0.5

0.4

0.6%

1.2

46.0

0.8%

100.9

39.1

0.7%

88.7

7.0

1.2%

12.3

4.1

0.7%

9.4

0.0

0.2%

0.1

0.1

0.2%

0.8

0.0

0.3%

0.2

0.0

0.0%

0.1

0.4

1.1%

0.7

0.0

0.1%

0.4

0.0

0.1%

0.3

0.3

0.7%

0.9

0.4

1.2%

0.7

0.2

1.7%

0.3

0.0

0.3%

0.2

2.4

1.0%

4.6

0.0

0.4%

0.0

www.scribd.com/JoseAlfredoGuerreroB

2
1
1
1
1
1
3

2
0
0
1
0

2
1
1
0
0
0
0
0
0

0
1

0
1
1
0
5
0
0

0
2
0
0
0
0

0
0
1
0
0
0

Page 1 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

VALVERDE

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

288

17.0

288

17.0

100.0%

5,614

331.2

5,614

331.2

100.0%

AZUA

499

32.7

499

32.7

100.0%

BAHORUCO

294

16.1

294

16.1

100.0%

BARAHONA

1,086

73.8

1,086

73.8

100.0%

123

6.8

123

6.8

100.0%

INDEPENDENCIA

95

2.6

95

2.6

100.0%

PEDERNALES

64

3.2

64

3.2

100.0%

418

24.5

418

24.5

100.0%

2,327

127.6

2,327

127.6

100.0%

SAN JOSE DE OCOA

140

4.6

140

4.6

100.0%

SAN JUAN

568

39.2

568

39.2

100.0%

Regin Sur

ELIAS PIA

PERAVIA
SAN CRISTOBAL

mircoles, 14 de agosto de 2013

MN

17.4
18.4
19.3
18.6
18.4
18.6
16.0
18.3
18.8
18.2
18.2
18.2

ME

% Cartera x Clasificacin de Riesgo


A

99
98
100
100
99
100
100
100
100
95
100
99

www.scribd.com/JoseAlfredoGuerreroB

0
0
0
0

0
0
0

0
2
0
1

4
0

0
0
0

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.0

0.2%

0.2

1.9

0.6%

5.8

0.0

0.1%

0.3

0.0

0.0%

0.2

0.2

0.3%

1.1

0.0

0.0%

0.1

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.2

1.2

0.9%

2.9

0.0

0.0%

0.0

0.5

1.2%

0.8

0
1

Page 2 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Monto

Nmero

Monto

% en MN

Scotia

72

30.1

72

30.1

100.0%

Regin Metropolitana

72

30.1

72

30.1

100.0%

72

30.1

72

30.1

100.0%

DISTRITO NACIONAL

mircoles, 14 de agosto de 2013

MN

7.5
7.5
7.5

ME

% Cartera x Clasificacin de Riesgo


A

98
98
98

www.scribd.com/JoseAlfredoGuerreroB

1
1
1

0
0
0

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.3

0.9%

0.5

0.3

0.9%

0.5

0.3

0.9%

0.5

Page 3 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Len

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

2,453

380.2

2,453

380.2

100.0%

Regin Este

0.7

0.7

100.0%

LA ALTAGRACIA

0.3

0.3

100.0%

LA ROMANA

0.3

0.3

100.0%

SAN PEDRO DE MACORIS

0.1

0.1

100.0%

2,274

368.6

2,274

368.6

100.0%

2,241

366.2

2,241

366.2

100.0%

33

2.4

33

2.4

100.0%

115

8.9

115

8.9

100.0%

16

1.1

16

1.1

100.0%

ESPAILLAT

0.2

0.2

100.0%

LA VEGA

0.9

0.9

100.0%

MARIA TRINIDAD SANCHEZ

10

0.8

10

0.8

100.0%

MONSEOR NOUEL

20

0.7

20

0.7

100.0%

PUERTO PLATA

0.3

0.3

100.0%

SANCHEZ RAMIREZ

0.0

0.0

100.0%

61

5.0

61

5.0

100.0%

56

2.0

56

2.0

100.0%

PERAVIA

0.1

0.1

100.0%

SAN CRISTOBAL

0.3

0.3

100.0%

47

1.6

47

1.6

100.0%

Regin Metropolitana
DISTRITO NACIONAL
SANTO DOMINGO
Regin Norte
DUARTE

SANTIAGO
Regin Sur

SAN JUAN

mircoles, 14 de agosto de 2013

MN

15.5
23.2
25.5
22.5
20.0
15.3
15.3
18.5
19.3
22.1
22.9
13.6
20.0
23.7
25.7
22.5
18.4
22.8
23.0
18.2
23.5

ME

% Cartera x Clasificacin de Riesgo


A

98 1
83 17
58 42
100
100
99 1
99 1
95
87 6
66 34
100
87
100
100
100
100
87 4
100
100
100
100

www.scribd.com/JoseAlfredoGuerreroB

0
0
5
7

13
0

0
0

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

1.9

0.5%

5.1

0.0

0.5%

0.0

0.0

1.2%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

1.8

0.5%

4.9

1.8

0.5%

4.9

0.0

0.2%

0.0

0.1

0.7%

0.2

0.0

1.1%

0.0

0.0

0.0%

0.0

0.0

1.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.9%

0.1

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

Page 4 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Monto

Nmero

Monto

% en MN

Progreso

412

10.2

412

10.2

100.0%

Regin Metropolitana

412

10.2

412

10.2

100.0%

412

10.2

412

10.2

100.0%

DISTRITO NACIONAL

mircoles, 14 de agosto de 2013

MN

26.3
26.3
26.3

ME

% Cartera x Clasificacin de Riesgo


A

94
94
94

www.scribd.com/JoseAlfredoGuerreroB

1
1
1

3
3
3

1
1
1

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.4

4.0%

0.3

0.4

4.0%

0.3

0.4

4.0%

0.3

Page 5 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

Citibank

133

56.3

133

56.3

100.0%

Regin Metropolitana

132

56.0

132

56.0

100.0%

132

56.0

132

56.0

100.0%

0.2

0.2

100.0%

0.2

0.2

100.0%

DISTRITO NACIONAL
Regin Norte
SANTIAGO

mircoles, 14 de agosto de 2013

MN

4.8
4.8
4.8
7.0
7.0

ME

% Cartera x Clasificacin de Riesgo


A

100
100
100
100
100

www.scribd.com/JoseAlfredoGuerreroB

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.0

0.0%

0.6

0.0

0.0%

0.6

0.0

0.0%

0.6

0.0

0.0%

0.0

0.0

0.0%

0.0

Page 6 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Caribe

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

1,046

52.2

1,046

52.2

100.0%

Regin Este

51

9.7

51

9.7

100.0%

LA ALTAGRACIA

51

9.7

51

9.7

100.0%

975

40.4

975

40.4

100.0%

975

40.4

975

40.4

100.0%

20

2.1

20

2.1

100.0%

LA VEGA

0.1

0.1

100.0%

PUERTO PLATA

0.5

0.5

100.0%

15

1.4

15

1.4

100.0%

Regin Metropolitana
DISTRITO NACIONAL
Regin Norte

SANTIAGO

mircoles, 14 de agosto de 2013

MN

22.7
22.8
22.8
22.6
22.6
25.5
32.0
22.9
26.0

ME

% Cartera x Clasificacin de Riesgo


A

95
89
89
99
99
56
100
44

www.scribd.com/JoseAlfredoGuerreroB

1
4
4
0
0

1
3
3
0
0
6

2
1
1
1
1
22
100
25

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.4

0.7%

1.9

0.2

2.5%

0.5

0.2

2.5%

0.5

0.1

0.3%

0.8

0.1

0.3%

0.8

16

0.0

0.0%

0.6

0.0

0.0%

0.1

0.0

0.0%

0.0

0.0

0.0%

0.6

23

Page 7 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

BDI

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

296

30.8

296

30.8

100.0%

Regin Este

0.2

0.2

100.0%

LA ALTAGRACIA

0.1

0.1

100.0%

LA ROMANA

0.2

0.2

100.0%

277

29.6

277

29.6

100.0%

252

28.6

252

28.6

100.0%

25

1.0

25

1.0

100.0%

0.3

0.3

100.0%

DAJABON

0.3

0.3

100.0%

MONTE CRISTI

0.0

0.0

100.0%

Regin Sur

0.7

0.7

100.0%

AZUA

0.0

0.0

100.0%

INDEPENDENCIA

0.1

0.1

100.0%

SAN CRISTOBAL

0.6

0.6

100.0%

Regin Metropolitana
DISTRITO NACIONAL
SANTO DOMINGO
Regin Norte

mircoles, 14 de agosto de 2013

MN

10.2
11.9
11.0
12.2
10.2
9.9
20.7
10.2
10.0
11.0
9.2
11.0
7.4
9.6

ME

% Cartera x Clasificacin de Riesgo


A

100
100
100
100
100
100
100
100
100
100
100
100
100
100

www.scribd.com/JoseAlfredoGuerreroB

0
0

0
0

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.0

0.1%

0.3

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.1%

0.3

0.0

0.1%

0.3

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

Page 8 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

BLH

558

30.5

557

29.9

97.8%

Regin Este

136

7.9

135

7.2

91.6%

LA ALTAGRACIA

0.8

0.1

17.7%

LA ROMANA

2.3

2.3

100.0%

MONTE PLATA

0.1

0.1

100.0%

128

4.7

128

4.7

100.0%

384

21.2

384

21.2

100.0%

384

21.2

384

21.2

100.0%

28

1.2

28

1.2

100.0%

13

0.4

13

0.4

100.0%

MONSEOR NOUEL

0.5

0.5

100.0%

PUERTO PLATA

0.2

0.2

100.0%

SANTIAGO

0.1

0.1

100.0%

VALVERDE

0.0

0.0

100.0%

10

0.2

10

0.2

100.0%

10

0.2

10

0.2

100.0%

SAN PEDRO DE MACORIS


Regin Metropolitana
DISTRITO NACIONAL
Regin Norte
LA VEGA

Regin Sur
SAN CRISTOBAL

mircoles, 14 de agosto de 2013

MN

19.1
19.1
19.1
17.1
20.0
20.0
19.0
19.0
20.0
20.0
20.0
20.0
20.0
20.0
19.9
19.9

ME

9.5
9.5
9.5

% Cartera x Clasificacin de Riesgo


A

92 8
72 28
100
2 98
100
100
98 1
98 1
100
100
100
100
100
100
100
100

www.scribd.com/JoseAlfredoGuerreroB

1
1

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.0

0.1%

0.4

0.0

0.4%

0.1

0.0

0.0%

0.0

0.0

1.4%

0.1

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.1%

0.2

0.0

0.1%

0.2

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

Page 9 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Monto

Nmero

Monto

% en MN

Promerica

363

44.0

363

44.0

100.0%

Regin Metropolitana

363

44.0

363

44.0

100.0%

363

44.0

363

44.0

100.0%

DISTRITO NACIONAL

mircoles, 14 de agosto de 2013

MN

17.0
17.0
17.0

ME

% Cartera x Clasificacin de Riesgo


A

94
94
94

www.scribd.com/JoseAlfredoGuerreroB

1
1
1

5
5
5

0
0
0

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.6

1.3%

0.9

0.6

1.3%

0.9

0.6

1.3%

0.9

Page 10 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Tasa Inters

En Moneda Nacional
Monto

Nmero

Monto

% en MN

Bancamerica

254

20.8

254

20.8

100.0%

Regin Metropolitana

254

20.8

254

20.8

100.0%

254

20.8

254

20.8

100.0%

DISTRITO NACIONAL

mircoles, 14 de agosto de 2013

MN

19.9
19.9
19.9

ME

% Cartera x Clasificacin de Riesgo


A

84 14
84 14
84 14

www.scribd.com/JoseAlfredoGuerreroB

1
1
1

1
1
1

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.4

2.1%

0.4

0.4

2.1%

0.4

0.4

2.1%

0.4

Page 11 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

Vimenca

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

292

55.5

292

55.5

100.0%

Regin Este

14

4.2

14

4.2

100.0%

LA ALTAGRACIA

14

4.2

14

4.2

100.0%

268

48.5

268

48.5

100.0%

210

39.2

210

39.2

100.0%

58

9.3

58

9.3

100.0%

10

2.8

10

2.8

100.0%

10

2.8

10

2.8

100.0%

Regin Metropolitana
DISTRITO NACIONAL
SANTO DOMINGO
Regin Norte
SANTIAGO

mircoles, 14 de agosto de 2013

MN

16.5
18.8
18.8
16.3
15.8
18.6
16.3
16.3

ME

% Cartera x Clasificacin de Riesgo


A

89 9
44 56
44 56
92 6
92 6
90 5
100
100

www.scribd.com/JoseAlfredoGuerreroB

2
2
5

E
0

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Provisiones
Requeridas

0.2

0.4%

0.9

0.0

0.4%

0.1

0.0

0.4%

0.1

0.2

0.4%

0.8

0.2

0.4%

0.6

0.0

0.5%

0.2

0.0

0.0%

0.0

0.0

0.0%

0.0

Page 12 of 13

Prstamos Personales con Descuento por Nmina


Regin y Provincia

TOTAL
Nmero

ADEMI

Tasa Inters

En Moneda Nacional
Nmero

Monto

Monto

% en MN

1,829

131.9

1,829

131.9

100.0%

1.1

1.1

100.0%

EL SEIBO

0.0

0.0

100.0%

HATO MAYOR

0.1

0.1

100.0%

LA ALTAGRACIA

1.0

1.0

100.0%

1,209

108.1

1,209

108.1

100.0%

1,163

106.8

1,163

106.8

100.0%

46

1.2

46

1.2

100.0%

605

22.2

605

22.2

100.0%

0.0

0.0

100.0%

PUERTO PLATA

65

2.5

65

2.5

100.0%

SAMANA

23

1.0

23

1.0

100.0%

SANTIAGO

485

16.9

485

16.9

100.0%

VALVERDE

31

1.8

31

1.8

100.0%

Regin Sur

11

0.5

11

0.5

100.0%

BARAHONA

0.0

0.0

100.0%

10

0.5

10

0.5

100.0%

Regin Este

Regin Metropolitana
DISTRITO NACIONAL
SANTO DOMINGO
Regin Norte
ESPAILLAT

SAN JUAN

mircoles, 14 de agosto de 2013

MN

16.9
17.3
40.0
42.0
15.0
14.8
14.6
29.5
27.1
60.2
31.9
30.0
26.2
26.9
28.6
44.0
28.4

ME

% Cartera x Clasificacin de Riesgo


A

98
100
100
100
100
98
98
97
96
100
98
95
95
100
100
100
100

www.scribd.com/JoseAlfredoGuerreroB

1
1
3
1
1
5
1

0
0
0
1
0
0

0
0
1

Provisiones
Requeridas

1.0

0.8%

2.2

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.4

0.3%

1.5

0.4

0.3%

1.5

0.0

0.7%

0.0

0.6

2.9%

0.7

0.0

0.0%

0.0

0.0

0.4%

0.0

0.0

0.0%

0.0

0.6

3.8%

0.6

0.0

0.2%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0.0

0.0%

0.0

0
1

Monto Vencido y % Monto Garantas y


Total Deuda
% Total Deudas

Page 13 of 13