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Financiera 12 2018
SITUACIÓN PATRIMONIAL
INSTITUCIONES FINANCIERAS DE DESARROLLO
31 de diciembre de 2018
(En Bolivianos)
CRECER PRO MUJER DIACONIA IDEPRO IMPRO SARTAWI CIDRE FONDECO FUBODE TOTAL
ACTIVO
DISPONIBILIDADES 28,923,207 49,226,491 90,318,030 18,157,193 599,548 14,528,070 27,239,430 2,720,242 11,861,064 243,573,276
INVERSIONES TEMPORARIAS 85,165,685 11,139,035 13,615,788 7,897,214 13,453 - 90,020 243,208 18,233,532 136,397,936
PORTAFOLIO DE NEGOCIOS - - - - - - - - - -
PORTAFOLIO DE INVERSIONES EN CURSO - - - - - - - - - -
PORTAFOLIO DE INVERSIONES PENDIENTES DE COBRO - - - - - - - - - -
PORTAFOLIO DE INVERSIONES EN EJECUCION - - - - - - - - - -
CARTERA 1,898,307,847 580,229,827 1,023,050,295 296,849,210 28,946,900 378,051,109 672,857,118 64,730,825 259,018,202 5,202,041,333
CARTERA BRUTA 1,951,289,036 609,008,159 1,078,411,391 306,715,433 30,854,301 382,261,752 688,032,211 70,036,839 270,938,523 5,387,547,646
CARTERA VIGENTE 1,927,923,466 597,614,274 1,052,241,830 279,100,734 29,790,898 347,293,158 641,987,382 43,306,547 262,316,486 5,181,574,775
CARTERA VENCIDA 6,262,097 11,324,000 7,926,592 4,780,360 276,616 7,789,814 8,381,642 1,222,637 1,958,123 49,921,881
CARTERA EN EJECUCIÓN 5,674,151 69,885 15,792,930 4,840,140 - 4,999,239 6,568,274 2,233,062 6,200,043 46,377,725
CARTERA REPROGRAMADA O REESTRUCTURADA VIGENTE 10,371,026 - 2,375,502 14,675,649 776,714 19,001,177 26,910,497 21,120,243 410,107 95,640,916
CARTERA REPROGRAMADA O REESTRUCTURADA VENCIDA 366,016 - 74,538 770,269 10,073 1,334,583 346,938 272,106 34,287 3,208,810
CARTERA REPROGRAMADA O REESTRUCTURARADA EN EJECUCIÓN 692,280 - - 2,548,280 - 1,843,781 3,837,478 1,882,244 19,478 10,823,541
PRODUCTOS DEVENGADOS POR COBRAR CARTERA 26,105,605 9,144,212 11,649,914 5,091,280 284,224 9,510,884 15,592,707 2,027,014 4,540,394 83,946,233
PREVISIÓN PARA CARTERA INCOBRABLE -79,086,794 -37,922,544 -67,011,010 -14,957,503 -2,191,625 -13,721,527 -30,767,800 -7,333,029 -16,460,715 -269,452,547
OTRAS CUENTAS POR COBRAR 20,402,124 8,032,725 13,833,778 600,474 549,366 1,339,294 6,973,199 1,583,822 1,869,304 55,184,086
BIENES REALIZABLES 3 -0 4 97,551 - 164,363 691,903 90,139 182,512 1,226,475
INVERSIONES PERMANENTES 23,960,621 602,300 2,633,361 1,504,058 10,976 128,451 76,983 452,404 4,082,804 33,451,957
BIENES DE USO 28,787,318 9,582,638 63,817,438 4,714,796 1,362,115 12,508,444 8,609,319 5,511,497 5,219,943 140,113,508
OTROS ACTIVOS 7,514,037 5,307,740 10,269,276 276,549 123,540 991,264 3,179,998 229,476 702,608 28,594,489
TOTAL DEL ACTIVO 2,093,060,843 664,120,756 1,217,537,970 330,097,046 31,605,898 407,710,995 719,717,971 75,561,613 301,169,968 5,840,583,060
PASIVO
OBLIGACIONES CON EL PÚBLICO - - 47,729 - - - - 188,086 - 235,815
OBLIGACIONES CON INSTITUCIONES FISCALES - - - - - - - - - -
OBLIGACIONES CON BANCOS Y ENTIDADES DE FINANCIAMIENTO 1,628,452,407 456,200,853 722,860,588 262,780,244 25,997,645 344,723,811 566,570,765 50,568,009 234,655,580 4,292,809,902
OTRAS CUENTAS POR PAGAR 78,351,703 50,978,723 47,185,626 5,177,299 545,156 10,762,209 16,693,368 3,094,719 7,356,640 220,145,444
PREVISIONES 40,794,518 13,029,261 11,295,626 1,576,969 322,368 - 7,572,581 316,851 2,868,445 77,776,619
TÍTULOS DE DEUDA EN CIRCULACIÓN - - - - - - 33,810,928 - - 33,810,928
OBLIGACIONES SUBORDINADAS - - - 10,985,042 - 8,308,832 20,480,105 2,737,606 - 42,511,585
TOTAL DEL PASIVO 1,747,598,629 520,208,837 781,389,568 280,519,554 26,865,169 363,794,852 645,127,746 56,905,270 244,880,665 4,667,290,292
PATRIMONIO
CAPITAL SOCIAL 288,166,412 117,693,689 386,643,184 55,997,684 4,857,789 42,081,571 62,977,746 23,522,268 49,906,817 1,031,847,159
APORTES NO CAPITALIZADOS - - - - 24,395 13,720,000 1,591,762 1,264,364 - 16,600,521
AJUSTES AL PATRIMONIO - - - - - - - - - -
RESERVAS 21,614,600 4,700,159 26,821,901 700,995 539,917 404,804 5,585,978 964,647 4,794,143 66,127,145
RESULTADOS ACUMULADOS 35,681,202 21,518,070 22,683,317 -7,121,188 -681,372 -12,290,233 4,434,738 -7,094,937 1,588,344 58,717,942
TOTAL DEL PATRIMONIO 345,462,214 143,911,919 436,148,402 49,577,491 4,740,728 43,916,143 74,590,225 18,656,343 56,289,303 1,173,292,768
TOTAL DEL PASIVO Y PATRIMONIO 2,093,060,843 664,120,756 1,217,537,970 330,097,046 31,605,898 407,710,995 719,717,971 75,561,613 301,169,969 5,840,583,060
INGRESOS FINANCIEROS 419,120,518 187,813,534 219,965,421 62,302,785 6,286,038 86,349,500 124,589,575 15,838,145 65,218,170 1,187,483,687
GASTOS FINANCIEROS -76,813,078 -27,316,763 -45,045,384 -21,227,404 -1,655,862 -22,879,176 -33,977,065 -3,812,841 -15,386,326 -248,113,898
RESULTADO FINACIERO BRUTO 342,307,441 160,496,770 174,920,037 41,075,381 4,630,177 63,470,324 90,612,511 12,025,304 49,831,845 939,369,789
OTROS INGRESOS OPERATIVOS 7,297,381 1,854,966 4,189,306 6,783,311 714,563 3,492,508 14,069,277 768,297 438,354 39,607,963
OTROS GASTOS OPERATIVOS -11,101,847 -3,890,159 -1,282,501 -1,536,443 -287,184 -3,374,178 -6,193,611 -664,408 -712,385 -29,042,717
RESULTADO DE OPERACIÓN BRUTO 338,502,975 158,461,578 177,826,842 46,322,249 5,057,556 63,588,654 98,488,177 12,129,192 49,557,814 949,935,035
RECUPERACIÓN DE ACTIVOS FINANCIEROS 74,992,593 16,169,537 45,621,630 31,824,318 155,636 11,247,583 119,775,069 7,581,203 46,632,390 353,999,959
CARGOS POR INCOB.Y DESVALORIZACIÓN DE ACTIVOS FINANCIEROS -107,827,363 -30,002,269 -51,334,646 -44,054,821 -1,266,289 -19,937,521 -135,238,238 -11,924,588 -49,164,053 -450,749,786
RESULTADO DE OPERACIÓN DESPUÉS DE INCOBRABLES 305,668,205 144,628,846 172,113,825 34,091,746 3,946,903 54,898,717 83,025,007 7,785,808 47,026,151 853,185,208
GASTOS DE ADMINISTRACIÓN -240,852,817 -100,802,374 -128,840,130 -38,675,964 -4,627,477 -59,776,649 -77,632,669 -14,880,755 -45,191,845 -711,280,681
RESULTADO DE OPERACIÓN NETO 64,815,389 43,826,472 43,273,695 -4,584,218 -680,574 -4,877,932 5,392,338 -7,094,948 1,834,306 141,904,527
ABONOS POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR 61,264 86 29,785 - - - -96,002 - 61 -4,806
CARGOS POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR -20,154 -3 -342,272 - - - -814,591 - - -1,177,020
RESULTADO DESPUES DE AJUSTE POR DIFERENCIA DE CAMBIO Y MANTENIMIENTO DE VALOR 64,856,498 43,826,555 42,961,208 -4,584,218 -680,574 -4,877,932 4,481,745 -7,094,948 1,834,367 140,722,700
INGRESOS EXTRAORDINARIOS 1,697,043 22,128 196,525 1,335,131 - 44,656 7,250 - 154,313 3,457,046
GASTOS EXTRAORDINARIOS -4,808,939 -12,072 -22,322 - - - - - -18,373 -4,861,705
RESULTADO NETO DEL EJERCICIO ANTES DE AJUSTES DE GESTIONES ANTERIORES 61,744,602 43,836,611 43,135,411 -3,249,087 -680,574 -4,833,277 4,488,995 -7,094,948 1,970,307 139,318,041
INGRESOS DE GESTIONES ANTERIORES 211,683 66,039 2,031,688 - - 386,978 37,741 22,224 346,984 3,103,337
GASTOS DE GESTIONES ANTERIORES -193,623 -212,210 -925,475 - -798 -196,986 -91,998 -22,213 -18,004 -1,661,307
RESULTADO ANTES DE IMPUESTOS Y AJUSTES CONTABLE POR EFECTO DE INFLACIÓN 61,762,662 43,690,440 44,241,624 -3,249,087 -681,372 -4,643,284 4,434,738 -7,094,937 2,299,286 140,760,071
ABONOS POR AJUSTE POR INFLACIÓN - - - - - - - - - -
CARGOS POR AJUSTE POR INFLACIÓN - - - - - - - - - -
RESULTADO ANTES DE IMPUESTOS 61,762,662 43,690,440 44,241,624 -3,249,087 -681,372 -4,643,284 4,434,738 -7,094,937 2,299,286 140,760,071
IMPUESTO SOBRE LAS UTILIDADES DE LAS EMPRESAS -26,081,459 -22,172,370 -21,558,307 - - - - - -710,942 -70,523,078
RESULTADO NETO DE LA GESTIÓN 35,681,203 21,518,070 22,683,317 -3,249,087 -681,372 -4,643,284 4,434,738 -7,094,937 1,588,344 70,236,993
ESTRUCTURA DE ACTIVOS
Disponibilidades/Total Activo 1.38% 7.41% 7.42% 5.50% 1.90% 3.56% 3.78% 3.60% 3.94% 4.17%
Inversiones Temporarias/Total Activo 4.07% 1.68% 1.12% 2.39% 0.04% 0.00% 0.01% 0.32% 6.05% 2.34%
Cartera / Total Activo 90.70% 87.37% 84.03% 89.93% 91.59% 92.73% 93.49% 85.67% 86.00% 89.07%
Otras Cuentas por cobrar / Total Activo 0.97% 1.21% 1.14% 0.18% 1.74% 0.33% 0.97% 2.10% 0.62% 0.94%
Bienes Realizables / Total Activo 0.00% 0.00% 0.00% 0.03% 0.00% 0.04% 0.10% 0.12% 0.06% 0.02%
Inversiones Permanentes / Total Activo 1.14% 0.09% 0.22% 0.46% 0.03% 0.03% 0.01% 0.60% 1.36% 0.57%
Bienes de Uso / Total Activo 1.38% 1.44% 5.24% 1.43% 4.31% 3.07% 1.20% 7.29% 1.73% 2.40%
Otros Activos / Total Activo 0.36% 0.80% 0.84% 0.08% 0.39% 0.24% 0.44% 0.30% 0.23% 0.49%
ESTRUCTURA DE PASIVOS
Oblig.con Bancos y Ent.Fin./Pasivo+Patrimonio 77.80% 68.69% 59.37% 79.61% 82.26% 84.55% 78.72% 66.92% 77.91% 73.50%
Obligaciones subordinadas/Pasivo+Patrimonio 0.00% 0.00% 0.00% 3.33% 0.00% 2.04% 2.85% 3.62% 0.00% 0.73%
CALIDAD DE CARTERA
Cartera Vigente / Cartera Bruta 99.33% 98.13% 97.79% 95.78% 99.07% 95.82% 97.22% 91.99% 96.97% 97.95%
Cartera reprogramada o reestructurada / Cartera Bruta 0.59% 0.00% 0.23% 5.87% 2.55% 5.80% 4.52% 33.23% 0.17% 2.04%
Cartera Vencida / Cartera Bruta 0.34% 1.86% 0.74% 1.81% 0.93% 2.39% 1.27% 2.13% 0.74% 0.99%
Cartera en Ejecución / Cartera Bruta 0.33% 0.01% 1.46% 2.41% 0.00% 1.79% 1.51% 5.88% 2.30% 1.06%
Cartera Vencida Total + Ejecución Total / Cartera Bruta 0.67% 1.87% 2.21% 4.22% 0.93% 4.18% 2.78% 8.01% 3.03% 2.05%
Cartera Reprog. o Reestructurada Vigente / Cartera Vigente Total 0.54% 0.00% 0.23% 5.00% 2.54% 5.19% 4.02% 32.78% 0.16% 1.81%
Cartera Reprog. o Reestruct. Vencida y Ejec. / Cartera Reprog. o Reestruct. Total 9.26% 0.00% 3.04% 18.44% 1.28% 14.33% 13.46% 9.26% 11.59% 12.79%
Prod. Financieros Devengados por Cobrar Cartera / Cartera Bruta 1.34% 1.50% 1.08% 1.66% 0.92% 2.49% 2.27% 2.89% 1.68% 1.56%
Prev.Cartera Incobrable / Cartera Bruta 4.48% 7.16% 6.21% 4.88% 7.10% 3.59% 5.27% 10.47% 6.08% 5.36%
Previsión cartera incobrable / Cartera en Mora 672.25% 382.91% 281.63% 115.60% 764.46% 85.93% 189.55% 130.71% 200.45% 261.87%
LIQUIDEZ
Disponibilidades / Pasivo 1.66% 9.46% 11.56% 6.47% 2.23% 3.99% 4.22% 4.78% 4.84% 5.22%
Disponibilidades + Inversiones Temporarias / Pasivo 6.53% 11.60% 13.30% 9.29% 2.28% 3.99% 4.24% 5.21% 12.29% 8.14%
Disponibilidades + Inversiones Temporarias / Activo 5.45% 9.09% 8.54% 7.89% 1.94% 3.56% 3.80% 3.92% 9.99% 6.51%
SOLVENCIA
Patrimonio/Activo 16.51% 21.67% 35.82% 15.02% 15.00% 10.77% 10.36% 24.69% 18.69% 20.09%
Patrimonio/Activo+Contingente 16.51% 21.64% 35.82% 15.02% 15.00% 10.77% 10.36% 24.69% 18.69% 20.09%
Cartera Vencida+Ejecución/Patrimonio 3.76% 7.92% 5.46% 26.10% 6.05% 36.36% 25.65% 30.07% 14.59% 9.40%
Cartera vencida + Ejec. reprog. o reestruct. / Patrimonio 0.31% 0.00% 0.02% 6.69% 0.21% 7.24% 5.61% 11.55% 0.10% 1.20%
Cartera Vencida+Ejecución-Prev/Patrimonio 1.15% 0.81% 0.75% 10.34% 3.66% 11.41% 7.12% 10.51% 0.76% 2.25%
Coeficiente de adecuación patrimonial (1) 16.08% 20.82% 38.71% 15.69% 17.35% 14.69% 14.07% 29.52% 17.45% 20.96%
Coeficiente de adecuación patrimonial (2) 16.08% 20.82% 38.71% 15.69% 17.44% 13.66% 14.36% 31.47% 17.45% n.d.
ESTRUCTURA FINANCIERA
Activo Productivo / Activo + Contingente 97.28% 91.25% 86.60% 91.07% 95.40% 89.64% 92.10% 85.26% 94.42% 92.53%
Pasivo con Costo / Pasivo + Contingente 89.91% 84.93% 89.20% 95.77% 96.22% 95.19% 94.97% 92.67% 93.06% 90.93%
Activo Productivo - Pasivo con Costo / Pasivo con Costo 29.59% 37.12% 51.27% 11.90% 16.65% 5.54% 8.20% 22.17% 24.78% 27.34%
Activo Improductivo / Patrimonio 16.46% 40.43% 37.41% 59.44% 30.65% 96.21% 76.18% 59.68% 29.86% 37.17%
RENTABILIDAD
Resultado Financiero Bruto / (Activo+Contingente) 17.64% 25.02% 14.60% 11.28% 14.61% 15.34% 12.78% 13.04% 17.43% 16.55%
Resultado de Operación Bruto / (Activo+Contingente) 17.45% 24.70% 14.84% 12.72% 15.96% 15.37% 13.89% 13.15% 17.33% 16.73%
Result. de Operación después de Incobrables / (Activo+Contingente) 15.75% 22.55% 14.36% 9.36% 12.45% 13.27% 11.71% 8.44% 16.45% 15.03%
Resultado de Operación Neto / (Activo+Contingente) 3.34% 6.83% 3.61% -1.26% -2.15% -1.18% 0.76% -7.69% 0.64% 2.50%
Result. de Operación Neto antes de Impuestos (Activo+Contingente) 3.18% 6.81% 3.69% -0.89% -2.15% -1.12% 0.63% -7.69% 0.80% 2.48%
Resultado Neto de la Gestión / (Activo+Contingente) [ROA] 1.84% 3.35% 1.89% -0.89% -2.15% -1.12% 0.63% -7.69% 0.56% 1.24%
Resultado Neto de la Gestión / Patrimonio [ROE] 10.89% 16.16% 5.34% -6.35% -13.41% -9.88% 6.13% -31.95% 2.86% 6.17%
RESULTADOS
Ingresos Financieros / Activo+Contingente 21.60% 29.28% 18.36% 17.11% 19.83% 20.87% 17.57% 17.18% 22.81% 20.92%
Ingresos Financieros / Cartera Bruta 22.98% 31.77% 20.71% 18.63% 20.98% 22.70% 18.58% 18.71% 24.58% 22.65%
Resultado Neto / Ingresos Financieros 8.51% 11.46% 10.31% -5.21% -10.84% -5.38% 3.56% -44.80% 2.44% 5.91%
Gastos Financieros / Activo+Contingente -3.96% -4.26% -3.76% -5.83% -5.22% -5.53% -4.79% -4.14% -5.38% -4.37%
Gastos Financieros / Pasivos con costo promedio 5.32% 6.22% 6.53% 7.08% 6.47% 6.52% 5.61% 5.84% 7.24% 6.01%
Ajustes netos por inflación y por diferencias de cambio / Activo+Contingente 0.00% 0.00% -0.03% 0.00% 0.00% 0.00% -0.13% 0.00% 0.00% -0.02%
Cargos por Incob.Netos de Recuper. / Activo+Contingente -1.69% -2.16% -0.48% -3.36% -3.50% -2.10% -2.18% -4.71% -0.89% -1.70%
Otros Ingresos Operativos Netos / Activo+Contingente -0.20% -0.32% 0.24% 1.44% 1.35% 0.03% 1.11% 0.11% -0.10% 0.19%
Gastos de Administración / Activo+Contingente -12.41% -15.72% -10.75% -10.62% -14.60% -14.45% -10.95% -16.14% -15.81% -12.53%
Ing.Extraord. Y de Gest.Ant.Netos / Activo+Contingente -0.16% -0.02% 0.11% 0.37% 0.00% 0.06% -0.01% 0.00% 0.16% 0.00%
Deprec.y Desval.Bienes de Uso / Bienes de uso-Terrenos 18.49% 19.82% 15.70% 23.11% 16.20% 28.26% 30.61% 18.83% 30.55% 20.00%
EFICIENCIA ADMINISTRATIVA
RATIOS DE EFICIENCIA (1)
Gastos de Administración/(Activo+Contingente) 12.41% 15.72% 10.75% 10.62% 14.60% 14.45% 10.95% 16.14% 15.81% 12.53%
Gastos de Administración/Activo Productivo Promedio neto de Contingente 12.80% 17.09% 12.37% 11.73% 15.75% 16.38% 12.02% 18.63% 16.87% 13.60%
Gastos de Administración/(Cartera+Contingente) 13.21% 17.04% 12.13% 11.56% 15.44% 15.71% 11.58% 17.58% 17.03% 13.57%
n.d. No disponible
(1) Cálculo de CAP utilizando el valor del capital regulatorio del mes precedente
(2) Cálculo de CAP utilizando el valor del capital regulatorio del mes actual
A
97%
Otras Categorías
3%
6,000
5,388
5,000 5,097
4,684
4,353
4,000 4,099
3,656
3,436
Millones
3,146
3,000
2,891
2,241
2,449
2,236 2,235
2,000 2,063
2,036
1,939 1,951 1,952
2,113
1,624 1,717
1,549
1,245 1,250 1,342
1,000 1,055 987 986
885
749 763
609 398 650 637
303 510 483
405
305 351 375
-
dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 dic-17 dic-18
500,000 497,645
472,114 476,977 487,161
445,864 452,583
452,693
400,000 408,208
357,591
328,747 327,787
300,000 306,990 308,253
288,430 291,696 281,591
267,689 269,039
246,823 250,184 271,946
216,611 219,552
200,000 209,127
185,779 195,323 195,386
178,175 183,544
157,604 158,024 163,861 180,747 159,374
140,054
129,831
100,000 102,651 97,863 109,195
86,780 89,219 96,373
-
dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 dic-17 dic-18
500,000 497,645
472,114 476,977 487,161
445,864 452,693 452,583
400,000 408,208
5.68%
5.13%
5.00%
4.00%
3.39%
Título del eje
3.00%
2.38%
2.00% 2.05%
1.88% 1.91%
1.68%
1.60%
1.53%
1.36%
1.16%
1.00% 1.03% 1.00%
0.00%
dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 dic-17 dic-18
269
250
236
216
200
194
164
Millones
150
112 110
100 98
88
80
70
64 63
41 54
50 44
43 46 43
37
35
38 30 25 29
21 22 23 Cartera en Mora
Previsiones
-
dic-05 dic-06 dic-07 dic-08 dic-09 dic-10 dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 dic-17 dic-18
35.00%
30.00%
30.67%
28.16% 28.74%
26.92%
25.00%
25.66%
23.98% 23.74%
23.06% 23.06% 22.90% 22.86% 22.65%
22.17%
20.00% 19.79%
19.46%
18.06% 18.16%
17.41%
16.56%
15.00% 15.25%
14.02% 13.48% 14.41% 14.08%
12.65% 13.05% 13.44% 13.57%
10.00%
5.00%
Ingresos Financieros / Cartera Bruta
Otras Actividades
22%
Intermediación financiera
34%
Transporte, almacenamiento
y comunicación
12%
Otras Actividades
16%
Construcción
9%
Intermediación financiera
17%
PyME agropecuario
PyME agropecuario Crédito PyME Microcrédito Crédito de Vivienda
debidamente Crédito PyME Microcrédito Banca Microcrédito
INSTITUCIÓN Crédito empresarial Crédito debidamente Crédito PYME PyME agropecuario debidamente Agropecuario con Microcrédito Microcrédito Microcrédito solidario agropecuario Crédito de Vivienda sin Garantía Crédito de consumo Crédito de consumo
Crédito Empresarial Crédito PYME garantizado con Agropecuario Microcrédito Microcrédito Banca Comunal Microcrédito agropecuario Crédito hipotecario
Crédito empresarial calificado por días garantizado al sector calificado por días Calificados por Días garantizado garantía real debidamente garantizado con Microcrédito solidario debidamente debidamente sin Garantía Hipotecaria Crédito de consumo debidamente garantizado con TOTAL
Agropecuario calificado empresarial garantía real calificado como individual Comunal debidamente Agropecuario debidamente de vivienda
mora público mora Mora Calificados por Días calificado como garantizado garantía real garantizado garantizado Hipotecaria debidamente garantizado garantía real
Calificados por Días empresarial garantizado garantizado
Mora empresarial c/garantía real garantizado
Mora
CRECER - - - - - - - - - - - 238,350,606 210,323,235 80,150,177 - - 148,724,455 339,098,223 28,476,397 2,108,549 131,426 26,263,046 37,722,610 25,522,851 17,055,321 17,521,042 1,953,558 1,173,401,497
PRO MUJER - - - - - - - - - - - 24,718,093 20,703,240 910,250 - - 148,038,765 372,798,242 - - - 2,523,912 11,469 12,766 - - - 569,716,736
DIACONIA - - - - - 189,304 - - - - - 150,127,862 - - - - 7,559,986 62,059,600 9,964,809 - - 86,743,842 195,123,860 - 226,999,935 - - 738,769,199
IDEPRO - - - - - 2,661,142 1,436,232 - - - - 129,622,076 40,421,765 - - - - - 10,739,850 - - 334,622 1,768,406 - 579,995 40,380 30,614 187,635,082
IMPRO - - - - - - - - - - - 23,682,105 - - - - - - - - - - - - - - - 23,682,105
SARTAWI - - - - - - - - - - - 109,876,951 15,918 - - - 40,426,655 - 27,474,181 - - 17,894,797 1,744,840 - 2,034,531 - - 199,467,874
CIDRE - - - - - 11,562,345 60,500 10,393,033 - - - 16,628,539 124,142,248 98,244,646 - - - - 497,368 7,866,417 9,968,505 28,997,888 3,461,710 29,797,749 15,205,532 1,033,105 5,300,152 363,159,736
FONDECO - - - - - 6,924 740,880 - - - - 8,733,467 209,105 4,500,647 - - 92,234 - 524,904 1,985,749 - 681,182 1,450,443 - 7,010,633 - 612,090 26,548,257
FUBODE - - - - - - - - - - - 37,183,468 - - 22,748 - 89,573,677 - 22,638,352 - - 125,680 3,654,010 - 196,095 - - 153,394,030
TOTAL - - - - - 14,419,714 2,237,612 10,393,033 - - - 738,923,169 395,815,511 183,805,720 22,748 - 434,415,772 773,956,065 100,315,861 11,960,715 10,099,930 163,564,968 244,937,350 55,333,366 269,082,042 18,594,528 7,896,414 3,435,774,518
0.00% 0.00% 0.00% 0.00% 0.00% 0.42% 0.07% 0.30% 0.00% 0.00% 0.00% 21.51% 11.52% 5.35% 0.00% 0.00% 12.64% 22.53% 2.92% 0.35% 0.29% 4.76% 7.13% 1.61% 7.83% 0.54% 0.23% 100.00%
CARTERA POR ENTIDAD: NIVEL RURAL
CRECER - - - - - - - - - - - 88,157,240 59,270,911 19,312,724 - - 64,040,816 210,452,005 287,662,845 4,131,419 209,967 6,635,542 16,354,675 15,940,064 2,351,720 3,367,612 - 777,887,539
PRO MUJER - - - - - - - - - - - 1,169,994 571,815 - - - 5,278,675 32,270,939 - - - - - - - - - 39,291,422
DIACONIA - - - - - - - - - - - 57,843,106 - - - - 429,897 2,051,052 123,978,303 - - 34,321,937 51,273,020 - 69,744,878 - - 339,642,193
IDEPRO - - - - - 652,752 1,852,662 - - - - 36,759,743 3,901,850 - - - - - 75,371,908 - - 126,065 359,285 - 23,420 - 32,667 119,080,351
IMPRO - - - - - - - - - - - 7,172,196 - - - - - - - - - - - - - - - 7,172,196
SARTAWI - - - - - - - - - - - 37,615,652 - - - - 12,406,749 - 118,252,582 - - 11,413,450 2,275,413 - 830,033 - - 182,793,878
CIDRE - - - - - 1,187,295 1,005,411 37,033,364 8,567,879 - - 2,291,424 21,688,235 31,313,331 - - - - 4,209,732 35,122,971 162,687,518 5,865,616 1,890,369 7,438,375 3,998,214 61,627 511,115 324,872,475
FONDECO - - - - - 1,016,682 602,706 2,077,328 - - - 2,596,933 372,139 3,749,557 - - 166,599 - 8,873,788 19,109,875 - 1,848,998 1,001,114 - 1,389,938 - 682,925 43,488,582
FUBODE - - - - - - - - - - - 14,984,351 - - 28,832 - 18,423,152 - 82,535,674 - - 444,032 801,473 - 326,980 - - 117,544,493
TOTAL - - - - - 2,856,728 3,460,779 39,110,692 8,567,879 - - 248,590,638 85,804,950 54,375,613 28,832 - 100,745,887 244,773,995 700,884,832 58,364,264 162,897,485 60,655,640 73,955,348 23,378,439 78,665,183 3,429,238 1,226,707 1,951,773,129
0.00% 0.00% 0.00% 0.00% 0.00% 0.15% 0.18% 2.00% 0.44% 0.00% 0.00% 12.74% 4.40% 2.79% 0.00% 0.00% 5.16% 12.54% 35.91% 2.99% 8.35% 3.11% 3.79% 1.20% 4.03% 0.18% 0.06% 100.00%
CARTERA POR ENTIDAD: TOTAL NACIONAL
CRECER - - - - - - - - - - - 326,507,846 269,594,146 99,462,902 - - 212,765,270 549,550,228 316,139,243 6,239,968 341,393 32,898,588 54,077,285 41,462,915 19,407,041 20,888,654 1,953,558 1,951,289,037
PRO MUJER - - - - - - - - - - - 25,888,088 21,275,055 910,250 - - 153,317,439 405,069,181 - - - 2,523,912 11,469 12,766 - - - 609,008,159
DIACONIA - - - - - 189,304 - - - - - 207,970,969 - - - - 7,989,883 64,110,652 133,943,112 - - 121,065,779 246,396,880 - 296,744,813 - - 1,078,411,391
IDEPRO - - - - - 3,313,893 3,288,894 - - - - 166,381,819 44,323,615 - - - - - 86,111,758 - - 460,687 2,127,691 - 603,415 40,380 63,281 306,715,433
IMPRO - - - - - - - - - - - 30,854,301 - - - - - - - - - - - - - - - 30,854,301
SARTAWI - - - - - - - - - - - 147,492,603 15,918 - - - 52,833,404 - 145,726,763 - - 29,308,247 4,020,253 - 2,864,564 - - 382,261,752
CIDRE - - - - - 12,749,640 1,065,911 47,426,397 8,567,879 - - 18,919,963 145,830,483 129,557,977 - - - - 4,707,100 42,989,388 172,656,022 34,863,504 5,352,080 37,236,124 19,203,745 1,094,732 5,811,267 688,032,211
FONDECO - - - - - 1,023,606 1,343,586 2,077,328 - - - 11,330,400 581,244 8,250,205 - - 258,833 - 9,398,692 21,095,623 - 2,530,179 2,451,557 - 8,400,571 - 1,295,015 70,036,839
FUBODE - - - - - - - - - - - 52,167,819 - - 51,580 - 107,996,830 - 105,174,025 - - 569,712 4,455,483 - 523,075 - - 270,938,523
TOTAL - - - - - 17,276,442 5,698,390 49,503,725 8,567,879 - - 987,513,806 481,620,461 238,181,334 51,580 - 535,161,659 1,018,730,061 801,200,693 70,324,979 172,997,415 224,220,608 318,892,697 78,711,805 347,747,225 22,023,766 9,123,122 5,387,547,647
0.00% 0.00% 0.00% 0.00% 0.00% 0.32% 0.11% 0.92% 0.16% 0.00% 0.00% 18.33% 8.94% 4.42% 0.00% 0.00% 9.93% 18.91% 14.87% 1.31% 3.21% 4.16% 5.92% 1.46% 6.45% 0.41% 0.17% 100.00%
75
50
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