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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 D
9.00%
8.00%
7.00%
6.00%
5.00%
PORCENTAJE
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
Banco Union
Promedio
Promedio - Sistema
Banco Union
AOS
2008
2009
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%
7.79%
6.70%
7.54%
8.56%
8.13%
8.31%
8.63%
8.26%
8.38%
7.79%
6.70%
7.54%
BNB
6.46%
7.49%
BME
7.57%
6.93%
BIS
11.85%
9.90%
20
7.34%
7.68%
8.02%
7.28%
6.90%
7.03%
7.13%
8.09%
7.92%
7.48%
7.06%
6.12%
10.53%
10.93%
9.81%
10.02%
9.48%
10.42%
BMSC
7.37%
7.10%
7.15%
8.07%
7.92%
7.89%
7.23%
6.61%
BB
11.53%
10.15%
10.56%
10.90%
9.81%
10.57%
9.70%
11.26%
BNB
6.29%
7.68%
7.36%
7.66%
8.02%
7.68%
7.06%
7.60%
2010
2011
2012
2013
2014
2015
AOS
2008
2009
2010
2011
2012
2013
2014
2015
10.00%
9.00%
8.00%
8.56%
7.79%
7.00%
7.54%
7.44%
6.70%
6.00%
5.00%
4.00%
8.63%
8.26%
8.38%
4.87%
8.67%
8.31%
7.94%
2008
2009
2010
2011
2012
2013
3.00%
2.00%
1.00%
0.00%
Promedio - Sistema
Banco Union
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
%
Banco Mercantil Santa
Cruz
Banco Union
2008
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%
4.87%
8.56%
7.44%
6.28%
4.70%
8.36%
8.33%
7.90%
8.14%
7.71%
8.67%
8.31%
7.94%
8.31%
7.99%
4.87%
8.56%
7.44%
6.28%
4.70%
BCR
11.49%
9.51%
BGA
5.76%
5.15%
BEC
8.04%
7.55%
BSO
7.26%
7.80%
BIE
10.73%
9.44%
BFO
8.89%
12.19%
8.38%
9.08%
9.19%
8.29%
8.99%
7.74%
5.93%
6.48%
6.07%
5.93%
5.96%
6.13%
7.74%
7.95%
7.02%
6.50%
6.28%
6.36%
7.30%
7.22%
7.68%
8.39%
9.02%
9.75%
8.73%
8.43%
7.86%
7.43%
8.14%
7.87%
12.09%
12.31%
12.63%
11.36%
10.97%
9.13%
BS
7.06%
7.99%
7.32%
7.20%
7.68%
8.85%
9.23%
10.53%
BCP
11.18%
9.75%
8.40%
9.06%
9.19%
8.74%
9.20%
8.36%
BG
5.60%
5.28%
5.95%
6.46%
6.07%
6.25%
6.10%
6.62%
BP
9.75%
8.41%
9.69%
10.43%
7.99%
8.23%
8.60%
8.99%
BF
8.65%
12.49%
12.12%
12.28%
12.63%
11.98%
11.23%
9.86%
BE
7.82%
7.74%
7.76%
7.93%
7.02%
6.85%
6.43%
6.87%
8.56%
7.44%
6.28%
87%
67%
8.31%
7.94%
8.31%
4.70%
7.99%
011
2012
2013
2014
2015
ema
Banco Union
AOS
Banco Mercantil Santa Cruz
Banco Bisa
BNB
Banco Sol
BCP
Banco Gandero
Banco Prodem
BANCO Fortaleza
Banco Economico
Banco Fassil
Banco Fie
Banco Union
BFS
6.91%
6.71%
2008
Bueno
Malo
Bueno
Bueno
Malo
Bueno
Malo
Malo
Bueno
Bueno
Malo
Bueno
BPR
TOTAL SISTEMA
10.02%
8.21%
2009
Bueno
Malo
Bueno
Bueno
Malo
Bueno
Malo
Malo
Bueno
Bueno
Malo
Bueno
7.37%
6.77%
7.23%
6.91%
10.22%
8.99%
BF
6.72%
6.88%
7.39%
6.75%
7.23%
7.29%
10.46%
9.71%
9.66%
10.46%
7.99%
7.80%
8.40%
8.32%
BFIE
10.44%
9.67%
8.75%
8.41%
7.86%
7.84%
8.33%
8.50%
BU
7.58%
6.87%
7.56%
4.86%
8.56%
7.85%
6.43%
5.08%
TOTAL
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
100.00%
2010
Bueno
Malo
Bueno
Bueno
Malo
Bueno
Malo
Malo
Bueno
Bueno
Malo
Bueno
2011
Bueno
Malo
Bueno
Bueno
Malo
Bueno
Malo
Malo
Bueno
Bueno
Malo
Bueno
2012
Bueno
Malo
Bueno
Bueno
Malo
Bueno
Bueno
Malo
Bueno
Bueno
Bueno
Malo
2013
Bueno
Malo
Bueno
Malo
Malo
Bueno
Bueno
Malo
Bueno
Bueno
Bueno
Bueno
2014
Bueno
Malo
Bueno
Malo
Malo
Bueno
Malo
Malo
Bueno
Malo
Bueno
Bueno
2015
Bueno
Malo
Bueno
Malo
Malo
Bueno
Malo
Malo
Bueno
Malo
Malo
Bueno
I
CAPITALES REGULATORIOS
2014
1,079
2015
736
60
332
11.77%
12.49%
1,200
Millones de Bolivianos
12.60%
12.49%
1,000
12.40%
800
12.20%
600
12.00%
400
11.80%
11.77%
200
0
11.60%
2014
11.40%
2015
2014
11.77%
1,078,693,157
2015
736352382
60,003,790
331631931
12.49%
2014
2015
0
0 C1
6.000379E-005
0 C2
11.77%
12.49%
12.60%
12.40%
12.20%
12.00%
11.80%
11.60%
11.40%
2014
2015
1079
736
60.00379
332
11.77%
12.49%
BA
CAPITALIZACION
ESTADO DE SITUACIN PATRIMONIAL
Dic-08
Dic-09
PATRIMONIO
CAPITAL SOCIAL
APORTES NO CAPITALIZADOS
AJUSTES AL PATRIMONIO
RESERVAS
RESULTADOS ACUMULADOS
Utilidades (prdidas) acumuladas
Utilidades (prdidas) del perodo o gestin
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
2015
CARTERA NETA
10,494,515
21,998,201
0.477
BUN
BME
CARTERA Neta
11,511,902
10,494,515
13,604,879
17,340,819
21,998,201
21,097,816
0.664
0.477
0.645
EVOLUTIVO
Dic-08
Dic-09
Dic-10
CARTERA
244,195
297,910
389,507
393,130
510,456
538,988
0.62116
0.58362
0.72266
CRECIMIENTO
CARTERA
Dic-08
Dic-09
Dic-10
244,195
297,910
389,507
53,715
22.00
Crecimiento de cartera
Dic-09
Dic-11
22.0
Dic-13
43.0
39.7
BANCO UNION
CALIDAD DE ATIVOS
BIS
BCR
BGA
BEC
BSO
9,196,653
9,250,498
6,014,617
5,586,924
7,891,180
13,520,335
12,240,905
7,117,677
6,453,671
6,829,540
0.680
0.756
0.845
0.866
1.155
Dic-11
Dic-12
Dic-13
Dic-14
Dic-15
556,899
749,587
1,046,881
1,340,643
1,529,813
881,469
1,280,614
1,665,092
2,216,740
3,206,735
0.63179
0.58533
0.62872
0.60478
0.47706
Dic-11
Dic-12
Dic-13
Dic-14
Dic-15
556,899
749,587
1,046,881
1,340,643
1,529,813
167,393
42.98
297,294
39.66
189,169
14.11
1.200
1.000
Dic-15
14.1
0.800
50.00%
0.600
45.00%
40.00%
35.00%
30.00%
Porcentaje
22.00%
25.00%
20.00%
15.00%
0.756
0.664
0.645
42.98% 0.477
0.400
30.75%
0.680
39.66%
34.60%
28.06%
0.200
0.000
BNB
BUN
BME
BIS
BCR
10.00%
5.00%
0.00%
2009
2010
2011
2012
Aos
2013
2014
BIE
BFO
BFS
7,913,291
1,790,074
7,356,902
5,684,238
7,383,484
2,078,498
8,774,123
5,879,046
1.072
0.861
0.838
0.967
Dic-08
suma
Dic-08
Dic-10
22.00%
Crecimiento de cartera
30.75%
EVOLUCION DE CART
2010
30.75%
2009
22.00%
1.072
0.967
1.000
0.600
Dic-10
30.75%
Dic-09
1.155
1.200
Dic-09
22.00%
6,155,436
EVOLUCION DE CARTERA EN PORCENTAJ
AOS
Crecimiento de cartera
0.800
BPR
0.845
0.866
0.861
0.838
BFO
BFS
0.756
0.664
0.645
42.98% 0.477
0.400
0.75%
0.680
39.66%
34.60%
28.06%
0.200
0.000
2010
BNB
2011
BUN
BME
2012
Aos
BIS
2013
BCR
2014
14.11%
BGA
BEC
2015
BSO
BIE
BPR
TOTAL SISTEMA
BNB
BUN
12%
96,295,674
BME
11%
BIS
14%
130,714,115
0.737
0.813
Dic-11
Dic-12
Dic-13
Dic-14
Dic-15
42.98%
34.60%
39.66%
28.06%
14.11%
Dic-12
Dic-13
Dic-14
Dic-15
39.66%
28.06%
14.11%
2013
39.66%
2014
28.06%
2015
14.11%
TERA EN PORCENTAJE
Dic-11
42.98%
34.60%
EVOLUCION DE CARTERA EN PORCENTAJE
2011
2012
42.98%
34.60%
10%
BCR
BGA
10%
BEC
6%
BSO
6%
BIE
8%
BFO
8%
2%
BFS
BPR
8%
6%
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
AOS
Banco Mercanti
CARTERA NET
11,511,902
CON EL SISTEMA
Banco Bisa
10,494,515
BNB
Banco Sol
13,604,879
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
13,604,879
Banco Sol
9,196,653
BCP
6,014,617
5,586,924
AOS
Banco Mercanti
Banco Bisa BNB
CARTERA NET
11,511,902
10,494,515
Banco Sol
13,604,879
9,196,653
BCP
9,250,498
5,586,924
BANCO UNION
Calidad de Activos
Pezades de la Cartera
1,800,000
Cartera
AOS
CARTERA VENCIDA TOTAL
CARTERA EN EJECUCIN TOTAL
Cartera en Mora
CARTERA VIGENTE TOTAL
Cartera Bruta
Pezades de la Cartera
CALIDAD DE ACTIVOS
PREVISIONES DE CARTERA
CARTERA EN MORA
244,195
1,600,000
2008
1,400,000
1,200,000
297,910
389,507
2009
2010
896
1,000,000
17,881
1,089
16,999
2,610
14,020
800,000
18,777
18,089
16,630
294,991
387,148
313,079
5.778
403,777
4.119
600,000
241,869
400,000
200,000
260,645
7.204
2008
0
2008
2009
2010
2011
Cartera Bruta
2009
5,261
8,123
2010
13,418
18,777
0.2802108445
18,089
0.4490443373
16,630
0.8068912648
NCO UNION
ad de Activos
8.000
556,899
749,587
2011
2012
1,046,881
7.000
1,340,643
6.000
2013
2014
1,451
13,413
2,065
13,570
2,576
16,764
14,864
15,635
19,340
1,529,813
2015
4,206
16,912
4,801
18,857
21,118
23,657
2.0001,346,250
1,536,209
5.000
4.000
3.000
2010
556,588
747,917
1,052,483
571,452
2.601
763,552
2.048
1,071,823
1,367,368
1.804 0.000
1.544
2011
Cartera Bruta
2012
2013
Pezades de la Cartera
1.000
2014
2015
1,559,866
1.517
2011
26,055
2012
15,525
2013
18,717
2014
22,310
2015
29,481
14,864
1.7528537643
15,635
0.9929746639
19,340
0.9677795879
21,118
1.0564193949
23,657
1.2461570754
mora
2010
2011
2012
2013
2014
2015
4.12%
2.60%
2.05%
1.80%
1.54%
1.52%
tipo de creditos
AOS
2014
2015
BUN
2,033,082
BUN
2,303,543
17,037
8,833
2,744
1,646
1,467,384
1,569,144
10,964
4,946
Microcrdito individual
1,052,522
1,022,915
1,614,898
1,882,203
0
0
0
0
0
166,764
12,834
114,182
743,843
0
0
0
0
0
0
226,601
8,003
208,523
998,546
0
0
970,032
0
1,273,769
1,458
861,726
310,677
0
2,926
953,800
235,281
0
TIPOS DE CREDITO
Crdito empresarial
Crdito empresarial calificado por das mora
Crdito debidamente garantizado al sector pblico
Credito Empresarial Agropecuario
Crdito PYME calificado empresarial
AOS
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 agua
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 obligatori
Educacin
Servicios sociales, comunales y personales
Servicio de hogares privados que contratan servicio domsti
Servicios de organizaciones y rganos extraterritoriales
Actividades atpicas
TOTAL CARTERA
PORCENTAJE
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%
2015
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%
2014
2015
Gran Empresa
Pyme
2,052,863
1,478,348
2,314,023
1,574,090
Micro
2,961,200
3,348,246
Vivienda
1,715,333
2,275,241
1,172,404
1,189,081
9,380,148
10,700,681
TIPOS DE CREDITO
Consumo
35%
total
30%
25%
31.57%
31.29%
21.89%
21.63%
21.26%
18.29%
20%
15.76%
14.71%
15%
10%
TIPOS DE CREDITO
5%
0%
12.50%
11.11%
Gran Empresa
2014
2015
Gran Empresa
21.89%
21.63%
Pyme
15.76%
14.71%
Vivienda
31.57%
Consumo
31.29%
18.29%
12.50%
21.26%
11.11%
Pyme
Micro
Vivienda
Consumo
Micro
2014
2015
C
A
E
D
E
C
50%
11.11%
onsumo
2014
2015
21.89%
15.76%
21.63%
14.71%
-1.19%
-6.66%
31.57%
31.29%
-0.88%
18.29%
21.26%
16.27%
12.50%
11.11%
-11.09%
DIVERSIFICACION DE LA CA
Otros Ingresos Operativos Netos/Activo+Contingente.
Margen Financiero en Activos ProductivosPromedio Neto de Contingente
Dic-08
3.53%
7.17%
2008
8%
7%
6%
5%
4%
3%
2%
1%
0%
2008
2009
201
Margen Financiero en
ERSIFICACION DE LA CARTERA
Dic-09
2.79%
5.58%
2009
Dic-10
3.74%
5.14%
2010
Dic-11
3.32%
6.00%
2011
Dic-12
2.15%
6.50%
2012
Dic-13
2.01%
6.71%
2013
8%
4.0%
7%
3.5%
6%
3.0%
5%
2.5%
4%
2.0%
3%
1.5%
2%
1.0%
1%
0.5%
0%
2008
2009
2010
2011
2012
2013
2014
0.0%
2015
Dic-14
1.56%
7.44%
2014
Dic-15
1.37%
6.85%
2015
BNB
ROA
ROE
BANCO UNION
Evolutivo
Result.Neto de la Gestin/(Activo+Contingente) (ROA)
Result.Neto de la Gestin/Patrimonio (ROE)
0.98%
16.37%
Dic-08
ROA
ROE
1.43%
20.07%
BUN
BME
0.56%
11.14%
Dic-09
BIS
0.57%
9.77%
Dic-10
BCR
1.53%
20.23%
Dic-11
BGA
0.90%
12.60%
BEC
0.83%
14.81%
Dic-12
1.06%
17.33%
Dic-13
Dic-14
0.97%
1.30%
0.99%
1.94%
0.70%
0.80%
14.19%
19.09%
17.98%
29.32%
9.23%
12.49%
30.00%
25.49%
25.00%
20.23%
20.00%
17.36%
17.33%
16.37%
14.81%
15.00%
11.14%
10.00%
12.60%
9.77%
6
5.00%
0.00%
0.98%
0.56%
0.57%
BNB
BUN
BME
1.53%
0.90%
0.83%
1.06%
BIS
BCR
BGA
BEC
ROA
ROE
2.40%
BSO
1.38%
0.62
BIE
BSO
BIE
BFO
2.40%
25.49%
1.38%
17.36%
0.62%
6.72%
Dic-15
0.56%
11.14%
25.49%
17.74%
17.36%
17.33%
14.49%
6.72%
06%
BEC
2.40%
BSO
1.38%
0.62%
1.34%
1.46%
BIE
BFO
BFS
BPR
BFS
0.0134
0.1449
BPR
0.0146
0.1774
TOTAL SISTEMA
1.04%
15.14%
COBERTURA
Disponibilidades+Inv.Temporarias/Activo
Banco Union
Disponibilidades+Inv.Temporarias/Activo
37.18%
Dec-08
44.27%
60.64%
Dec-09
49.88%
41.83%
Dec-10
39.07%
36.66%
Dec-11
53.38%
34.76%
Dec-12
51.82%
29.18%
Dec-13
45.86%
26.14%
Dec-14
49.18%
15.18%
Dec-15
60.64%
45.19%
57.67%
17.84%
23.93%
17.90%
14.76%
35.98%