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BANCO SOL (Autoguardado)
BANCO SOL (Autoguardado)
A
INDICADOR DE SOLVENCIA
AOS
Banco Mercantil Santa Cruz
Banco Union
INDICADORES FINANCIEROS
APALANCAMIENTO
PATRIMONIO/ ACTIVO
2008
7.57%
2009
6.93%
2010
7.13%
7.79%
6.70%
7.54%
INDICADOR DE SOL
9.00%
8.00%
7.00%
6.00%
PORCENTAJE
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
2008
2009
2010
2011
AOS
AOS
Banco Mercantil Santa Cruz
Banco Bisa
BNB
Banco Sol
BCP
Banco Gandero
Banco Prodem
BANCO Fortaleza
Banco Economico
Banco Fassil
Banco Fie
2008
7.57%
11.85%
6.46%
7.26%
11.49%
5.76%
10.02%
8.89%
8.04%
6.91%
10.73%
2009
6.93%
9.90%
7.49%
7.80%
9.51%
5.15%
8.21%
12.19%
7.55%
6.71%
9.44%
2010
7.13%
10.53%
7.34%
7.30%
8.38%
5.93%
9.66%
12.09%
7.74%
7.37%
8.73%
2012
201
Promedio - Sistema
Banco Union
8.63%
8.26%
8.38%
7.79%
6.70%
7.54%
Chart Title
10.00%
9.00%
8.00%
7.00%
6.00%
5.00%
4.00%
3.00%
2.00%
1.00%
0.00%
Promedio - Sistema
Ban
UNION S.A
ES FINANCIEROS
NCAMIENTO
2011
8.09%
2012
7.92%
2013
7.48%
2014
7.06%
2015
6.12%
4.87%
8.56%
7.44%
6.28%
4.70%
INDICADOR DE SOLVENCIA
2009 2010
2011
2012
2013
2014
2015
AOS
2011
8.09%
10.93%
7.68%
7.22%
9.08%
6.48%
10.46%
12.31%
7.95%
6.77%
8.43%
2012
7.92%
9.81%
8.02%
7.68%
9.19%
6.07%
7.99%
12.63%
7.02%
7.23%
7.86%
2013
7.48%
10.02%
7.28%
8.39%
8.29%
5.93%
7.80%
11.36%
6.50%
6.91%
7.43%
2014
7.06%
9.48%
6.90%
9.02%
8.99%
5.96%
8.40%
10.97%
6.28%
10.22%
8.14%
2015
6.12%
10.42%
7.03%
9.75%
7.74%
6.13%
8.32%
9.13%
6.36%
8.99%
7.87%
8.67%
8.31%
7.94%
8.31%
7.99%
4.87%
8.56%
7.44%
6.28%
4.70%
Chart Title
Promedio - Sistema
Banco Union
I
CAPITALES REGULATORIOS
CAPITALES REGUL
1200000000
1000000000
800000000
600000000
400000000
200000000
0
2014
2015
1,078,693,157
736352382
60,003,790
331631931
11.77%
12.49%
CAPITALES REGULATORIOS
000
000
000
000
000
000
0
C2
C1
C1
C2
C2
C1
BANC
CAPITALIZACION
ESTADO DE SITUACIN PATRIMONIAL
PATRIMONIO
CAPITAL SOCIAL
APORTES NO CAPITALIZADOS
AJUSTES AL PATRIMONIO
RESERVAS
RESULTADOS ACUMULADOS
Utilidades (prdidas) acumuladas
Utilidades (prdidas) del perodo o gestin
CAPITALIZACION
Dic-08
Dic-09
28,547
21,194
185
0
4,868
2,299
0
2,299
38,554
21,194
185
0
5,098
12,076
0
12,076
BANCO UNION
1
10,007
0
0
0
230
9,777
0
9,777
2
Dic-10
Dic-11
44,088
25,805
243
0
6,333
11,706
0
11,706
53,655
32,029
246
0
7,592
13,787
0
13,787
9,567
6,224
3
0
1,259
2,081
0
2,081
1.88
Dic-12
Dic-13
71,061
39,422
5,187
0
8,971
17,479
0
17,479
93,528
50,434
7,870
0
10,719
24,504
0
24,504
3
22,467
11,012
2,683
0
1,748
7,025
0
7,025
1.59
4
Dic-14
Dic-15
116,386
71,461
5,246
0
13,170
26,509
0
26,509
140,021
91,273
246
0
15,821
32,681
0
32,681
23,635
19,812
(5,000)
0
2,651
6,172
0
6,172
1.34
BANCO UNION
CALIDAD DE ATIVOS
CARTERA NETA
10,494,515
21,998,201
0.477
0.477
BNB
Cartera
Obligaciones con el Publico
BUN
BME
BIS
11,511,902
10,494,515
13,604,879
9,196,653
17,340,819
21,998,201
21,097,816
13,520,335
Cartera
Obligaciones con el Publico
2008
2009
2010
2011
244,195
297,910
389,507
556,899
393,130
510,456
538,988
881,469
0.621
0.584
0.723
0.632
2008
2009
2010
2011
244,195
297,910
389,507
556,899
Creciemiento en Montos
Cartera
21.996907
53,715
22.00
0.42975528
167,393
0.43
NION
IVOS
Chart
1,800,000
BCR
9,250,498
1,600,000
BGA
1,400,000
6,014,617
1,200,000
12,240,905
7,117,677
Axis Title
800,000
600,000
0.7557038 0.84502537
400,000
2012
2013
2014
2015
749,587
1,046,881
1,340,643
1,529,813
1,280,614
1,665,092
2,216,740
3,206,735
0.585
0.629
0.605
0.477
2012
2013
2014
2015
749,587
1,046,881
1,340,643
1,529,813
0.3966101
297,294
0.40
1,000,000
200,000
0
Axis T
Char
2016
0.14110342
189,169
0.14
2014
2012
Axis Title
2010
2008
2006
2004
Axis T
Chart Title
800,000
600,000
400,000
200,000
000,000
Row 20
800,000
600,000
400,000
200,000
0
Axis Title
Chart Title
2016
1,800,000
1,600,000
2014
1,400,000
2012
1,200,000
2010
2008
Row 19
800,000
Row 20
600,000
400,000
2006
2004
1,000,000
200,000
1
Axis Title
BANCO UNION
Calidad de Activos
Pezades de la Cartera
Cartera
Cartera en Mora
aos
CARTERA VENCIDA TOTAL
CARTERA EN EJECUCIN TOTAL
Cartera en Mora
CARTERA VIGENTE TOTAL
Cartera Bruta
Pezades de la Cartera
PREVISIONES
Cartera en Mora
tipos de credito
244,195
297,910
389,507
244,195
297,910
389,507
2008
2009
2010
896
17,881
1,089
16,999
2,610
14,020
18,777
18,089
16,630
241,869
294,991
387,148
260,645
313,079
403,777
7.204
5.778
4.119
5,261
8,123
13,418
18,777
18,089
16,630
0.28021084 0.44904434 0.80689126
O UNION
de Activos
556,899
749,587
1,046,881
1,340,643
1,529,813
556,899
749,587
1,046,881
1,340,643
1,529,813
2011
2012
2013
2014
2015
1,451
13,413
2,065
13,570
2,576
16,764
4,206
16,912
4,801
18,857
14,864
15,635
19,340
21,118
23,657
556,588
747,917
1,052,483
1,346,250
1,536,209
571,452
763,552
1,071,823
1,367,368
1,559,866
2.601
2.048
1.804
1.544
1.517
26,055
15,525
18,717
22,310
29,481
14,864
15,635
19,340
21,118
23,657
1.75285376 0.99297466 0.96777959 1.05641939 1.24615708
tipo de creditos
2015
BUN
Crdito empresarial
Crdito empresarial calificado por das mora
Crdito debidamente garantizado al sector pbl
Credito Empresarial Agropecuario
Crdito PYME calificado empresarial
Crdito PYME calificado por das mora
PyME agropecuario Calificados por Dias Mora
PyME agropecuario debidamente garantizado con
PyME agropecuario debidamente garantizado Ca
Crdito PyME Agropecuario calificado como emp
Crdito PyME Agropecuario con garanta real ca
Microcrdito individual
Microcrdito debidamente garantizado
Microcrdito garantizado con garanta real
Microcrdito solidario
Microcrdito solidario debidamente garantizado
Microcrdito Banca Comunal
Microcrdito Banca Comunal debidamente gara
Microcredito Agropecuario
Microcredito agropecuario debidamente garantiz
Microcredito agropecuario debidamente garanti
Crdito hipotecario de vivienda
Crdito de Vivienda sin Garantia Hipotecaria
Crdito de Vivienda sin Garanta Hipotecaria
Debidamente Garantizado
Crdito Hipotecario de vivienda de inters socia
Crdito de vivienda de inters social sin
garanta hipotecaria
Crdito de consumo
Crdito de consumo debidamente garantizado
Crdito de consumo garantizado con garanta re
2,303,543
0
8,833
1,646
1,569,144
0
0
0
0
0
4,946
1,022,915
1,882,203
0
0
0
0
0
226,601
8,003
208,523
998,546
0
0
1,273,769
2,926
953,800
235,281
0
2014
BUN
535,891
3,577
0
16,340
1,567,306
260,424
729,035
2,764,631
60,920
387,075
130,561
2,855,315
676
19,831
46,807
59
1,682
19
9,380,148
11.41%
DESTINO
Agricultura y Ganadera
Caza, Silvicultura y Pesca
Extraccin de petroleo crudo y gas natural
Minerales metlicos y no metlicos
Industria Manufacturera
Produccin y distribucin de energa elctrica, gas y ag
Construccin
Venta al por mayor y menor
Hoteles y Restaurantes
Transporte, almacenamiento y comunicacin
Intermediacin financiera
Servicios inmobiliarios, empresariales y de alquiler
Administracin pblica, defensa y seguridad social oblig
Educacin
Servicios sociales, comunales y personales
Servicio de hogares privados que contratan servicio do
Servicios de organizaciones y rganos extraterritoriales
Actividades atpicas
TOTAL CARTERA
PORCENTAJE
2015
2014
BUN
727,100
6,909
0
24,637
1,807,663
312,896
1,481,507
2,697,077
56,748
252,416
153,837
3,131,367
525
10,530
35,714
40
1,714
0
10,700,681
10.88%
BUN
535,891
3,577
0
16,340
1,567,306
260,424
729,035
2,764,631
60,920
387,075
130,561
2,855,315
676
19,831
46,807
59
1,682
19
9,380,148
11.41%
Gran Empresa
2,314,023
Pyme
1,574,090
Micro
3,348,246
Vivienda
1,001,471
Consumo
1,189,081
Dic-08
3.53%
7.17%
Dic-09
2.79%
5.58%
Dic-10
3.74%
5.14%
Dic-11
3.32%
6.00%
Dic-12
2.15%
6.50%
Dic-13
2.01%
6.71%
Dic-14
1.56%
7.44%
Dic-15
1.37%
6.85%
ROA