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INFORME TRIMESTRAL DE LA
GERENCIA
I TRIMESTRE 2014
ACTIVOS
El saldo de activos durante el primer trimestre de 2014 ascendi a S/.1,624.0
millones, monto inferior a los niveles registrados al cierre del trimestre anterior
(diciembre de 2013) en S/.24.4 millones (-1.5%), debido principalmente a una
reduccin de los fondos lquidos en S/.25.0 millones (-6.2%) explicado por la
disminucin de los depsitos totales en S/. 56.2 millones.
Con respecto a similar perodo del ao anterior (marzo de 2013), el monto de
activos disminuy en S/. 139.5 millones (-7.9%), explicado tambin por una
contraccin de los fondos lquidos de S/. 143.2 millones. Por su parte las
colocaciones brutas aumentaron en S/.20.4 millones.
BALANCE GENERAL
( expresado en millones de nuevos soles )
2013
Rubros
ACTIVOS
1. Fondos Lquidos
2. Colocaciones Netas
2.1 C. Vigente
2.2 C. Refinaciada y Reestruct.
2.3 C. Atrasada
2.4 (-) Provisiones
2.5 (-)Rend. Crdito neto
Colocaciones Brutas
3.
4.
5.
6.
7.
8.
TOTAL INDIRECTAS
Mar
Dic
Ene
2014
Feb
Mar
mar14
Ppto
Brecha
Mar14-Mar13
Var. Abs
Mar-14-Dic-13
Var. Abs
1,763.5
1,648.4
1,644.8
1,621.7
1,624.0
1,684.7
-60.7
-139.5
-24.4
523.2
405.0
400.7
386.1
379.9
464.4
-84.4
-143.2
-25.0
1,106.7
1,108.6
16.6
21.8
-49.6
9.3
1,147.0
1,116.2
1,124.1
12.1
19.9
-51.8
11.7
1,156.2
1,119.3
1,125.5
11.6
24.0
-54.2
12.5
1,161.1
1,107.4
1,113.3
11.9
27.3
-56.4
11.1
1,152.6
1,120.1
1,125.1
14.7
27.5
-58.8
11.5
1,167.4
1,075.0
1,085.7
11.8
20.0
-53.8
11.4
1,117.5
45.1
39.4
2.9
7.5
-5.0
0.1
49.9
13.4
16.6
-1.9
5.7
-9.2
2.1
20.4
3.9
1.0
2.5
7.6
-7.0
-0.3
11.2
3.8
4.6
35.7
35.3
21.1
33.2
4.5
3.3
36.0
32.9
23.0
27.4
3.2
2.5
36.4
32.6
23.0
27.1
3.5
2.2
35.5
32.3
22.8
31.8
5.4
2.3
35.4
31.9
22.7
26.3
3.2
3.0
33.6
33.9
22.5
49.1
2.2
-0.8
1.8
-2.0
0.2
-22.8
1.6
-2.3
-0.3
-3.4
1.6
-6.8
0.9
-1.1
-0.7
-1.0
-0.3
-1.1
298.2
356.3
341.0
354.0
335.0
336.2
-1.2
36.8
-21.3
2013
Bancas
Ppto
1,124.1
1,125.5
1,113.3
1,125.1
1,085.7
39.4
2.1
2.5
3.6
19.3
1,032.5
818.7
213.7
14.6
19.3
14.7
4.0
1.7
3.0
28.2
1,044.2
772.6
271.6
13.5
14.2
15.2
3.0
2.2
3.0
27.3
1,042.2
769.4
272.8
18.0
14.4
15.2
1.0
3.1
2.8
28.6
1,034.4
761.8
272.6
14.3
13.9
15.2
2.2
1.0
2.8
27.0
1,025.9
756.8
269.1
38.0
12.6
15.6
4.9
3.0
3.0
38.1
985.1
14.1
21.2
16.3
-2.6
-2.0
-0.2
-11.1
40.7
-14.4
55.1
23.9
-8.6
-0.7
2. Cartera Refinanciada
2.1 Refinanciada
2.2 Reestructurada
16.6
12.1
11.6
11.9
14.7
11.8
2.9
16.6
0.0
12.1
0.0
11.6
0.0
11.9
0.0
14.7
0.0
11.8
0.0
2.9
0.0
3. Cartera Atrasada
3.1 Vencida
3.2 Judicial
21.8
19.9
24.0
27.3
27.5
20.0
7.5
6.3
15.5
6.6
13.3
7.9
16.1
10.6
16.7
9.2
18.4
6.3
13.7
2.9
4.6
5.7
2.9
2.9
7.6
2.5
5.1
1,147.0
1,156.2
1,161.1
1,152.6
1,167.4
1,117.5
49.9
20.4
11.2
-
COLOCACIONES BRUTAS
Mar
771.2
213.9
Brecha
Mar-14-Dic-13
Var. Abs
1,108.6
Mar
Mar14-Mar13
Var. Abs
Dic
1. Cartera Vigente
1.1 Avances en Cuenta
1.2 Sobregiros
1.3 Tarjeta de.Crdito
1.4 Descuentos
1.5 Prstamos
Ene
2014
Feb
Mar
16.6
0.1
-1.5
-0.8
7.7
-6.6
-61.9
55.3
23.5
-6.7
0.9
1.0
-1.8
-0.8
-0.1
-1.3
-18.4
-15.8
-2.6
24.5
-1.6
0.4
-1.9
-1.9
0.0
2.5
2.5
0.0
2013
Rubros
1. BANCA EMPRESA
Directas
Indirectas
1.1 Banca Negocios
2014
Ppto
Mar
Dic
Ene
Feb
Mar
481.9
185.8
296.1
623.1
269.1
354.0
618.4
279.2
339.1
628.7
276.9
351.8
619.3
287.2
332.2
mar14 Brecha
568.3
234.8
333.4
51.1
52.3
-1.2
Mar14-Mar13
Mar-14-Dic-13
Var. Abs
Var. Abs
137.5
101.4
36.1
-3.7
18.1
-21.8
476.8
618.4
612.6
623.6
614.6
560.7
53.9
137.8
-3.8
Directas
180.8
264.4
273.5
271.8
282.4
227.2
55.2
101.6
18.0
Indirectas
296.0
354.0
339.1
351.8
332.2
333.4
-1.3
36.1
-21.8
5.0
4.7
5.8
5.1
4.8
7.6
-2.8
-0.3
0.1
Directas
5.0
4.7
5.8
5.1
4.8
7.6
-2.8
-0.2
0.1
Indirectas
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
108.1
106.0
2.1
103.6
102.0
1.6
102.8
100.8
2.0
101.9
99.8
2.0
112.1
109.7
2.5
-10.3
-9.8
-0.4
-835.0
-33.6
0.2
-6.2
-6.2
0.0
0.2
70.1
62.9
62.5
63.0
63.1
66.6
-3.5
-7.0
Directas
69.9
62.7
62.3
62.9
62.9
66.3
-3.5
-7.0
0.2
Indirectas
0.2
0.2
0.2
0.2
0.2
0.3
0.0
0.1
0.1
-6.4
65.2
45.2
41.1
39.8
38.8
45.5
-6.7
-26.4
Directas
63.5
43.3
39.7
38.0
37.0
43.3
-6.3
-26.5
-6.3
Indirectas
1.7
1.9
1.4
1.8
1.8
2.2
-0.4
0.2
-0.1
801.7
756.8
754.6
747.9
744.3
754.8
-10.6
-57.4
-12.5
801.7
756.8
754.6
747.9
744.3
754.8
-10.6
-57.4
-12.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
26.5
24.6
25.5
27.2
28.3
18.4
9.9
1.8
3.7
Directas
26.2
24.3
25.2
27.0
27.5
18.1
9.4
1.3
3.2
Indirectas
0.3
0.3
0.3
0.3
0.8
0.3
0.5
0.4
0.5
1,147.0
1,156.2
1,161.1
1,152.6
1,167.4
1,117.5
49.9
20.4
11.2
298.2
356.3
341.0
354.0
335.0
336.2
-1.2
36.8
-21.3
1,445.2
1,512.5
1,502.1
1,506.6
1,502.3
1,453.6
48.7
57.2
-10.2
Total Directas
Total Indirectas
COLOCACIONES TOTALES
Mar
Dic
PASIVO Y PATRIMONIO
1,763.5
1,648.4
1,644.8
1. Total Pasivo
1.1 Depsitos y Obligaciones
1.2 Fondos Interbancarios
1.3 Adeudados y Oblig. Financ.
1.3.1 Adeudados
1.3.2 Valores y Ttulos
1.4 Cuentas por Pagar
1.5 Provisiones
1.6 Otros Pasivos
1,605.2
1,485.7
1,479.2
1,490.5
0.0
84.1
43.4
40.7
13.6
3.1
13.9
1,369.4
0.0
94.1
53.5
40.6
9.4
5.9
6.8
158.3
146.2
0.0
0.0
0.5
10.6
1.0
2. Patrimonio Neto
2.1 Capital Social
2.2 Capital Adicional
2.3 Resultados Acumulados
2.4 Ajustes al Patrimonio
2.5 Reservas
2.6 Utilidad
Ene
2014
Feb
Ppto
Brecha
Mar14-Mar13
Var. Abs
Mar-14-Dic-13
Var. Abs
Mar
mar14
1,621.7
1,624.0
1,684.7
-60.7
(139.5)
(24.4)
1,456.2
1,455.5
1,517.6
-62.2
1,361.9
0.0
97.2
56.5
40.7
10.0
5.7
4.4
1,335.1
0.0
98.8
58.0
40.7
10.1
6.0
6.3
1,324.4
0.0
107.5
66.9
40.6
11.2
5.8
6.6
1,389.2
0.0
103.2
62.4
40.7
16.6
3.3
5.4
-64.8
0.0
4.4
4.5
-0.1
-5.4
2.5
1.2
(149.7)
(166.2)
23.5
23.5
(0.0)
(2.4)
2.7
(7.3)
(30.2)
(45.0)
13.5
13.5
(0.0)
1.8
(0.2)
(0.2)
162.7
165.6
165.5
168.5
167.0
1.5
146.2
0.0
-0.4
-4.2
10.6
10.5
146.2
0.0
10.1
-3.7
10.6
2.5
146.2
0.0
10.1
-4.3
10.6
2.9
151.3
0.0
0.0
0.7
11.2
5.4
154.6
0.0
0.0
0.3
11.5
0.6
-3.3
0.0
0.0
0.4
-0.4
4.8
10.2
5.0
0.2
0.6
4.4
5.8
5.0
0.4
4.9
0.6
(5.1)
2014
Feb
Ppto
mar14
Brecha
Mar-14-Dic-13
Var. Abs
Dic
Ene
1,490.5
1,369.4
1,361.9
1,335.1
1,324.4
1,389.2
-64.8
-166.2
-45.0
1,299.4
156.0
167.0
976.4
737.6
238.6
0.3
1,291.1
162.5
166.3
962.2
725.5
236.4
0.3
1,248.5
169.6
161.0
917.9
685.1
232.5
0.3
1,243.1
172.0
161.7
909.4
680.1
229.0
0.3
1,317.3
181.8
174.7
960.8
1,419.3
242.3
184.9
992.1
785.6
206.2
0.3
0.3
-74.2
-9.8
-13.0
-51.4
-33.1
-18.3
0.0
-176.1
-70.3
-23.2
-82.6
-105.4
22.8
0.0
-56.2
16.0
-5.3
-67.0
-57.4
-9.5
0.0
2. Otros Obligaciones
2.1 Ch, giros y transf.
71.3
71.3
70.0
70.0
70.9
70.9
86.6
86.6
81.2
81.2
71.9
71.9
9.3
9.3
10.0
10.0
11.2
11.2
TOTAL DEP Y
OBLIGACIONES
1. Total Depsitos
1.1 Vista
1.2 Ahorro
1.3 Plazo
Mar
Mar14-Mar13
Var. Abs
Mar
713.3
247.3
Mar
Dic
Ene
2014
Feb
Mar
Ppto
mar-14
Brecha
Mar14-Mar13
Var. Abs
Mar-14-Dic-13
Var. Abs
41.8
40.5
37.8
45.1
35.3
41.2
-5.9
(6.5)
(5.2)
896.6
880.4
875.4
859.7
864.2
865.1
-0.9
(32.5)
(16.2)
3. Banca Empresa
223.0
197.7
202.1
155.1
185.3
186.2
-0.9
(37.7)
(12.3)
4. Depsitos va Institucional
194.9
141.8
142.5
157.7
156.5
215.2
-58.8
(38.4)
14.7
5. Banca Emprendedores
19.4
7.9
10.4
9.6
10.5
9.6
1.0
(8.9)
2.7
6. Depsitos va Subastas
43.5
31.1
22.9
21.0
17.3
30.7
-13.4
(26.2)
(13.8)
1,419.3
1,299.4
1,291.1
1,248.5
1,243.1
1,317.3
-74.2
(176.1)
(56.2)
TOTAL DEPOSITOS
Con relacin al patrimonio neto del Banco, ste se ubic en S/.168.5 millones a
fines del primer trimestre de 2014, monto que se encuentra por encima del
registrado al cierre del ao anterior (S/.162.7 millones) en S/.5.8 millones;
producto de la poltica de capitalizacin de las utilidades.
RESULTADOS
Los ingresos por intereses, acumulados durante el primer trimestre de 2014, se
fijaron en S/.45.3 millones, monto ligeramente inferior en S/.0.02 millones al
registrado en similar perodo del ao anterior. Asimismo, se registr un
crecimiento del margen financiero bruto en S/.3.3 millones con respecto al
mismo perodo del ao anterior, el dinamismo del margen financiero bruto
responde principalmente a la reduccin de las tasas pasivas.
ESTADO DE RESULTADOS
Rubros
Ingreso por Intereses
Gasto por Intereses
Margen Financiero Bruto
2013
Acum Mar
Ao
2014
Feb
Ene
45.4
18.3
181.6
71.3
16.4
5.2
13.9
4.7
27.1
110.3
11.2
9.1
26.3
2.1
18.0
84.0
4.5
2.7
21.1
12.3
19.9
0.0
2.3
92.8
10.0
16.4
0.6
Margen Operacional
22.2
109.2
10.6
Gastos de Administracin
19.0
13.5
5.1
0.4
84.6
57.9
24.8
1.8
6.6
4.9
1.5
0.1
Ppto.
mar-14 Brecha
Mar
Ac.Ao
2014
Ppto. Brecha
Mar-Mar13
Var. Abs
15.1
5.04
15.6
5.6
-0.5
-0.6
45.3
14.9
45.3
16.4
0.1
-1.5
0.0
-3.3
9.2
10.1
10.0
0.1
30.4
28.8
1.6
3.3
2.0
2.068
1.7
0.4
6.1
5.5
0.7
-2.9
9.1
7.2
8.0
8.3
-0.3
24.3
23.4
0.9
6.2
1.8
0.9
1.7
0.9
2.8
0.9
1.7
1.1
6.3
2.7
8.0
9.9
8.9
1.1
-0.2
1.0
1.4
-0.6
2.8
1.8
0.1
7.9
0.0
0.4
0.6
0.6
0.0
27.8
0.0
1.6
4.9
3.3
25.0
0.0
1.8
-0.2
-0.8
8.4
10.4
9.5
1.0
29.4
26.8
2.6
7.2
6.2
4.4
1.6
0.2
6.5
4.6
1.8
0.1
7.8
5.4
2.2
0.2
-1.2
-0.8
-0.4
0.0
19.3
13.9
4.9
0.5
22.8
15.9
6.5
0.5
-3.5
-1.9
-1.6
0.0
0.3
0.4
-0.2
0.0
Depreciaciones y Amortizaciones
1.1
0.0
5.8
0.6
0.1
0.6
0.6
0.7
0.0
0.7
-0.1
1.8
0.6
2.2
0.0
-0.3
0.8
0.6
2.2
18.9
3.4
1.6
3.3
1.0
2.3
8.3
1.8
6.5
6.2
0.8
6.8
0.1
0.6
0.0
0.4
-0.4
0.6
1.1
-0.5
-0.2
1.3
12.2
3.3
1.1
3.3
0.6
2.7
7.7
0.7
6.9
6.3
-0.1
-0.5
0.0
-0.3
0.0
-0.1
0.1
-0.4
-0.1
-0.2
-0.3
1.3
11.7
3.3
0.8
3.2
0.5
2.8
7.3
0.6
6.7
6.0
Imp. a la Renta
UTILIDAD NETA
-0.3
-1.2
-0.8
-0.3
-0.8
-0.1
-0.7
-1.9
0.0
-1.9
-1.7
1.0
10.5
2.5
0.5
2.5
0.4
2.1
5.4
0.6
4.8
4.4
INDICADORES FINANCIEROS
2013
2014
Ppto
Finan-
Ene
Feb
Mar
mar14
ciero
1.72%
2.77%
260%
14.5%
161.4%
2.07%
3.07%
226%
12.6%
152.2%
2.37%
3.40%
206%
13.4%
143.6%
2.36%
3.62%
213%
13.5%
139.2%
1.79%
2.8%
269.0%
12.0%
169.4%
2.64%
3.86%
145%
18.0%
99.1%
1.55%
2.58%
158%
11.8%
94.8%
2.30%
3.19%
178%
20.0%
128.6%
37.8%
84.3%
38.7%
69.0%
35.7%
69.8%
34.4%
67.2%
33.4%
66.1%
46.5%
69.4%
25.2%
40.4%
21.0%
55.7%
29.5%
59.2%
0.82%
0.92%
0.71%
1.04%
1.86%
0.48%
9.25
9.67
9.86
9.70
n.d
9.80
8.29
8.46
8.62
8.49
n.d
8.56
8.27
7.69
7.22
10.1
9.1
8.9
8.8
8.6
9.1
13.25
10.80
9.20
39.8%
42.7%
38.7%
40.8%
41.0%
48.4%
42.1%
38.3%
39.3%
41.8%
46.6%
40.1%
42.2%
42.5%
50.4%
42.7%
40.0%
43.0%
36.3%
38.6%
35.0%
36.7%
36.2%
43.8%
37.7%
32.6%
32.9%
59.7%
60.7%
68.3%
67.3%
67.0%
63.7%
64.1%
67.1%
73.9%
59.7%
62.2%
67.6%
66.4%
66.2%
63.1%
0.2%
0.6%
1.8%
1.1%
1.3%
0.1%
0.4%
1.3%
1.7%
2.6%
6.5%
17.8%
10.6%
12.8%
1.5%
5.0%
15.9%
17.6%
Principales Indicadores
Calidad de Cartera
Cartera Atrasada / Coloc. Brutas
Cartera de Alto Riesgo/ Coloc. Brutas
Provisiones / Cartera Atrasada
Provisiones / Ingresos Financieros
Provisiones / Cartera de Alto Riesgo
Liquidez
Indice de Liquidez en M.N.
Indice de Liquidez en M.E.
Calce de recursos
Ganancia en Riesgo (GER)
Mar
Dic
1.90%
3.35%
228%
20.0%
129.1%
BIF
Sistem a
Bancario
Apalancamiento
Gestin
Costo Operativo
Ingreso Financiero
Costo Operativo
Ingreso por Inters
Costo Operativo
Ingresos Totales
Rentabilidad
Resultado Financiero
Ingreso por Inters
Margen Financiero Bruto
(Serie Antiguo con ROF)