Datos

1. Sistemas 2. Fraude Interno

Número de fallas
Mes Pérdida Asociada Mes
en el sistema

Jan-00 8 $ 150,519 2% 0.153 0.1535 Apr-00

$ 151,804 0% 0.000 0.1535 Sep-00
$ 50,895 0% 0.000 0.1535 Jan-01
$ 162,313 0% 0.000 0.1535 Feb-01
$ 128,918 0% 0.000 0.1535 Mar-01
$ 161,410 0% 0.000 0.1535 May-01
$ 170,496 0% 0.000 0.1535 Jun-01
$ 88,734 0% 0.000 0.1535 Oct-01
Feb-00 5 $ 140,238 1% 0.060 0.2134 Feb-02
$ 105,971 0% 0.000 0.2134 Jun-02
$ 166,565 0% 0.000 0.2134 Jan-03
$ 149,528 0% 0.000 0.2134 Feb-03
$ 121,910 0% 0.000 0.2134 Mar-03
Mar-00 2 $ 103,561 0% 0.010 0.2230 Apr-03
$ 129,966 0% 0.000 0.2230 May-03
Apr-00 2 $ 124,592 0% 0.010 0.2326 Aug-03
$ 164,596 0% 0.000 0.2326 Feb-04
May-00 2 $ 102,848 0% 0.010 0.2422 Jun-04
$ 137,614 0% 0.000 0.2422 Jul-04
Jun-00 2 $ 102,096 0% 0.010 0.2518 Oct-04
$ 171,992 0% 0.000 0.2518 Dec-04
Jul-00 7 $ 116,871 2% 0.118 0.3693 Mar-05
$ 100,129 0% 0.000 0.3693 Sep-05
$ 180,090 0% 0.000 0.3693 Nov-05
$ 199,953 0% 0.000 0.3693 Feb-06
$ 89,857 0% 0.000 0.3693 Mar-06
$ 123,752 0% 0.000 0.3693 Jan-07
$ 62,853 0% 0.000 0.3693 Jun-07
Aug-00 5 $ 109,327 1% 0.060 0.4293 Feb-08
$ 98,851 0% 0.000 0.4293
$ 108,773 0% 0.000 0.4293
$ 65,240 0% 0.000 0.4293
$ 94,715 0% 0.000 0.4293
Sep-00 4 $ 92,464 1% 0.038 0.4676
$ 119,352 0% 0.000 0.4676
$ 85,982 0% 0.000 0.4676
$ 126,088 0% 0.000 0.4676
Oct-00 1 $ 130,058 0% 0.002 0.4700
Nov-00 7 $ 113,688 2% 0.118 0.5875
$ 123,500 0% 0.000 0.5875
$ 34,268 0% 0.000 0.5875
$ 54,501 0% 0.000 0.5875
$ 87,170 0% 0.000 0.5875
$ 108,033 0% 0.000 0.5875
$ 70,378 0% 0.000 0.5875
Dec-00 4 $ 92,921 1% 0.038 0.6259
 $ 136,984 0% 0.000 0.6259
$ 127,621 0% 0.000 0.6259
$ 151,645 0% 0.000 0.6259
Jan-01 3 $ 151,965 1% 0.022 0.6475
$ 96,262 0% 0.000 0.6475
$ 230,510 0% 0.000 0.6475
Feb-01 3 $ 143,021 1% 0.022 0.6691
$ 117,725 0% 0.000 0.6691
$ 113,808 0% 0.000 0.6691
Mar-01 2 $ 97,965 0% 0.010 0.6787
$ 135,464 0% 0.000 0.6787
Apr-01 5 $ 181,877 1% 0.060 0.7386
$ 108,488 0% 0.000 0.7386
$ 89,333 0% 0.000 0.7386
$ 176,932 0% 0.000 0.7386
$ 126,098 0% 0.000 0.7386
Jun-01 2 $ 145,803 0% 0.010 0.7482
$ 177,171 0% 0.000 0.7482
Jul-01 4 $ 118,756 1% 0.038 0.7866
$ 158,078 0% 0.000 0.7866
$ 89,883 0% 0.000 0.7866
$ 144,631 0% 0.000 0.7866
Aug-01 5 $ 134,523 1% 0.060 0.8465
$ 112,895 0% 0.000 0.8465
$ 103,656 0% 0.000 0.8465
$ 158,133 0% 0.000 0.8465
$ 153,981 0% 0.000 0.8465
Sep-01 4 $ 96,375 1% 0.038 0.8849
$ 86,917 0% 0.000 0.8849
$ 94,178 0% 0.000 0.8849
$ 87,730 0% 0.000 0.8849
Oct-01 2 $ 126,052 0% 0.010 0.8945
$ 113,244 0% 0.000 0.8945
Nov-01 6 $ 174,671 1% 0.086 0.9808
$ 159,401 0% 0.000 0.9808
$ 130,586 0% 0.000 0.9808
$ 87,032 0% 0.000 0.9808
$ 140,162 0% 0.000 0.9808
$ 85,910 0% 0.000 0.9808
Dec-01 3 $ 142,147 1% 0.022 1.0024
$ 72,428 0% 0.000 1.0024
$ 157,626 0% 0.000 1.0024
Jan-02 2 $ 154,738 0% 0.010 1.0120
$ 140,842 0% 0.000 1.0120
Feb-02 1 $ 126,008 0% 0.002 1.0144
Mar-02 2 $ 155,147 0% 0.010 1.0240
$ 165,300 0% 0.000 1.0240
Apr-02 6 $ 77,690 1% 0.086 1.1103
$ 137,627 0% 0.000 1.1103
$ 112,288 0% 0.000 1.1103
 $ 94,022 0% 0.000 1.1103
$ 155,201 0% 0.000 1.1103
$ 127,115 0% 0.000 1.1103
May-02 4 $ 144,436 1% 0.038 1.1487
$ 141,442 0% 0.000 1.1487
$ 93,243 0% 0.000 1.1487
$ 164,978 0% 0.000 1.1487
Jun-02 3 $ 87,111 1% 0.022 1.1703
$ 104,249 0% 0.000 1.1703
$ 136,408 0% 0.000 1.1703
Jul-02 3 $ 162,473 1% 0.022 1.1918
$ 92,047 0% 0.000 1.1918
$ 119,985 0% 0.000 1.1918
Aug-02 6 $ 127,447 1% 0.086 1.2782
$ 86,547 0% 0.000 1.2782
$ 88,265 0% 0.000 1.2782
$ 103,346 0% 0.000 1.2782
$ 130,591 0% 0.000 1.2782
$ 129,498 0% 0.000 1.2782
Sep-02 5 $ 97,288 1% 0.060 1.3381
$ 139,907 0% 0.000 1.3381
$ 180,883 0% 0.000 1.3381
$ 133,413 0% 0.000 1.3381
$ 134,347 0% 0.000 1.3381
Oct-02 4 $ 74,513 1% 0.038 1.3765
$ 163,142 0% 0.000 1.3765
$ 141,840 0% 0.000 1.3765
$ 132,821 0% 0.000 1.3765
Nov-02 7 $ 138,535 2% 0.118 1.4940
$ 108,393 0% 0.000 1.4940
$ 73,286 0% 0.000 1.4940
$ 146,426 0% 0.000 1.4940
$ 123,500 0% 0.000 1.4940
$ 110,839 0% 0.000 1.4940
$ 136,164 0% 0.000 1.4940
Dec-02 2 $ 141,169 0% 0.010 1.5036
$ 124,468 0% 0.000 1.5036
Jan-03 5 $ 180,209 1% 0.060 1.5635
$ 90,485 0% 0.000 1.5635
$ 159,115 0% 0.000 1.5635
$ 120,121 0% 0.000 1.5635
$ 118,659 0% 0.000 1.5635
Feb-03 3 $ 49,970 1% 0.022 1.5851
$ 185,315 0% 0.000 1.5851
$ 119,391 0% 0.000 1.5851
Mar-03 2 $ 186,054 0% 0.010 1.5947
$ 101,962 0% 0.000 1.5947
Apr-03 1 $ 109,866 0% 0.002 1.5971
May-03 3 $ 111,133 1% 0.022 1.6187
$ 112,929 0% 0.000 1.6187
 $ 75,058 0% 0.000 1.6187
Jun-03 6 $ 104,454 1% 0.086 1.7050
$ 110,351 0% 0.000 1.7050
$ 147,139 0% 0.000 1.7050
$ 101,756 0% 0.000 1.7050
$ 75,765 0% 0.000 1.7050
$ 127,550 0% 0.000 1.7050
Jul-03 3 $ 127,294 1% 0.022 1.7266
$ 53,136 0% 0.000 1.7266
$ 129,795 0% 0.000 1.7266
Aug-03 3 $ 92,925 1% 0.022 1.7482
$ 119,741 0% 0.000 1.7482
$ 125,848 0% 0.000 1.7482
Sep-03 3 $ 141,613 1% 0.022 1.7698
$ 203,955 0% 0.000 1.7698
$ 144,201 0% 0.000 1.7698
Oct-03 2 $ 133,304 0% 0.010 1.7794
$ 122,396 0% 0.000 1.7794
Dec-03 5 $ 154,613 1% 0.060 1.8393
$ 44,286 0% 0.000 1.8393
$ 105,461 0% 0.000 1.8393
$ 206,694 0% 0.000 1.8393
$ 162,600 0% 0.000 1.8393
Jan-04 7 $ 143,122 2% 0.118 1.9568
$ 103,906 0% 0.000 1.9568
$ 121,533 0% 0.000 1.9568
$ 57,111 0% 0.000 1.9568
$ 119,359 0% 0.000 1.9568
$ 136,205 0% 0.000 1.9568
$ 247,935 0% 0.000 1.9568
Feb-04 5 $ 124,575 1% 0.060 2.0168
$ 92,464 0% 0.000 2.0168
$ 129,335 0% 0.000 2.0168
$ 106,639 0% 0.000 2.0168
$ 135,031 0% 0.000 2.0168
Mar-04 4 $ 132,786 1% 0.038 2.0552
$ 122,649 0% 0.000 2.0552
$ 137,037 0% 0.000 2.0552
$ 139,649 0% 0.000 2.0552
Apr-04 1 $ 128,597 0% 0.002 2.0576
May-04 8 $ 139,537 2% 0.153 2.2110
$ 146,703 0% 0.000 2.2110
$ 133,213 0% 0.000 2.2110
$ 162,106 0% 0.000 2.2110
$ 164,654 0% 0.000 2.2110
$ 159,515 0% 0.000 2.2110
$ 151,379 0% 0.000 2.2110
$ 111,932 0% 0.000 2.2110
Jun-04 2 $ 128,967 0% 0.010 2.2206
$ 94,155 0% 0.000 2.2206
Jul-04 7 $ 145,567 2% 0.118 2.3381
$ 150,445 0% 0.000 2.3381
$ 143,813 0% 0.000 2.3381
$ 81,963 0% 0.000 2.3381
$ 148,542 0% 0.000 2.3381
$ 191,641 0% 0.000 2.3381
$ 107,558 0% 0.000 2.3381
Aug-04 2 $ 166,938 0% 0.010 2.3477
$ 146,802 0% 0.000 2.3477
Sep-04 4 $ 140,767 1% 0.038 2.3861
$ 113,309 0% 0.000 2.3861
$ 139,516 0% 0.000 2.3861
$ 187,805 0% 0.000 2.3861
Oct-04 5 $ 91,792 1% 0.060 2.4460
$ 116,893 0% 0.000 2.4460
$ 155,358 0% 0.000 2.4460
-$ 3,299 0% 0.000 2.4460
$ 135,397 0% 0.000 2.4460
Nov-04 6 $ 106,425 1% 0.086 2.5324
$ 111,165 0% 0.000 2.5324
$ 150,170 0% 0.000 2.5324
$ 95,202 0% 0.000 2.5324
$ 129,743 0% 0.000 2.5324
$ 157,709 0% 0.000 2.5324
Dec-04 3 $ 156,926 1% 0.022 2.5540
$ 106,726 0% 0.000 2.5540
$ 96,280 0% 0.000 2.5540
Jan-05 5 $ 148,574 1% 0.060 2.6139
$ 143,737 0% 0.000 2.6139
$ 129,207 0% 0.000 2.6139
$ 82,690 0% 0.000 2.6139
$ 131,966 0% 0.000 2.6139
Feb-05 6 $ 133,117 1% 0.086 2.7002
$ 75,345 0% 0.000 2.7002
$ 144,366 0% 0.000 2.7002
$ 118,537 0% 0.000 2.7002
$ 103,309 0% 0.000 2.7002
$ 131,386 0% 0.000 2.7002
Mar-05 4 $ 63,718 1% 0.038 2.7386
$ 97,370 0% 0.000 2.7386
$ 94,446 0% 0.000 2.7386
$ 106,832 0% 0.000 2.7386
Apr-05 4 $ 168,231 1% 0.038 2.7770
$ 109,302 0% 0.000 2.7770
$ 95,868 0% 0.000 2.7770
$ 89,501 0% 0.000 2.7770
May-05 2 $ 149,878 0% 0.010 2.7866
$ 104,628 0% 0.000 2.7866
Jun-05 2 $ 101,404 0% 0.010 2.7962
$ 128,666 0% 0.000 2.7962
Jul-05 4 $ 81,744 1% 0.038 2.8345
$ 73,077 0% 0.000 2.8345
$ 143,220 0% 0.000 2.8345
$ 130,259 0% 0.000 2.8345
Aug-05 4 $ 123,591 1% 0.038 2.8729
$ 162,483 0% 0.000 2.8729
$ 83,768 0% 0.000 2.8729
$ 91,178 0% 0.000 2.8729
Sep-05 7 $ 131,896 2% 0.118 2.9904
$ 175,394 0% 0.000 2.9904
$ 82,725 0% 0.000 2.9904
$ 143,130 0% 0.000 2.9904
$ 167,826 0% 0.000 2.9904
$ 152,574 0% 0.000 2.9904
$ 98,147 0% 0.000 2.9904
Oct-05 5 $ 140,458 1% 0.060 3.0504
$ 181,817 0% 0.000 3.0504
$ 99,679 0% 0.000 3.0504
$ 163,645 0% 0.000 3.0504
$ 74,623 0% 0.000 3.0504
Nov-05 4 $ 75,091 1% 0.038 3.0887
$ 149,094 0% 0.000 3.0887
$ 94,299 0% 0.000 3.0887
$ 148,919 0% 0.000 3.0887
Dec-05 7 $ 163,859 2% 0.118 3.2062
$ 116,580 0% 0.000 3.2062
$ 167,211 0% 0.000 3.2062
$ 188,757 0% 0.000 3.2062
$ 111,567 0% 0.000 3.2062
$ 169,342 0% 0.000 3.2062
$ 130,201 0% 0.000 3.2062
Jan-06 3 $ 158,174 1% 0.022 3.2278
$ 136,913 0% 0.000 3.2278
$ 151,801 0% 0.000 3.2278
Feb-06 4 $ 145,573 1% 0.038 3.2662
$ 92,312 0% 0.000 3.2662
$ 114,699 0% 0.000 3.2662
$ 109,594 0% 0.000 3.2662
Mar-06 3 $ 101,059 1% 0.022 3.2878
$ 92,550 0% 0.000 3.2878
$ 104,451 0% 0.000 3.2878
Apr-06 3 $ 88,924 1% 0.022 3.3094
$ 167,606 0% 0.000 3.3094
$ 81,902 0% 0.000 3.3094
May-06 3 $ 122,264 1% 0.022 3.3309
$ 139,483 0% 0.000 3.3309
$ 102,904 0% 0.000 3.3309
Jun-06 2 $ 152,154 0% 0.010 3.3405
$ 104,007 0% 0.000 3.3405
Jul-06 6 $ 101,526 1% 0.086 3.4269
$ 137,701 0% 0.000 3.4269
$ 146,439 0% 0.000 3.4269
$ 136,814 0% 0.000 3.4269
$ 88,576 0% 0.000 3.4269
$ 129,313 0% 0.000 3.4269
Aug-06 3 $ 195,892 1% 0.022 3.4484
$ 64,757 0% 0.000 3.4484
$ 176,126 0% 0.000 3.4484
Sep-06 4 $ 112,661 1% 0.038 3.4868
$ 110,995 0% 0.000 3.4868
$ 113,748 0% 0.000 3.4868
$ 92,880 0% 0.000 3.4868
Oct-06 3 $ 93,026 1% 0.022 3.5084
$ 110,147 0% 0.000 3.5084
$ 159,576 0% 0.000 3.5084
Nov-06 4 $ 83,406 1% 0.038 3.5468
$ 127,692 0% 0.000 3.5468
$ 93,514 0% 0.000 3.5468
$ 153,947 0% 0.000 3.5468
Dec-06 3 $ 137,466 1% 0.022 3.5683
$ 193,604 0% 0.000 3.5683
$ 107,282 0% 0.000 3.5683
Jan-07 3 $ 127,604 1% 0.022 3.5899
 $ 134,290 0% 0.000 3.5899
$ 130,574 0% 0.000 3.5899
Feb-07 5 $ 143,479 1% 0.060 3.6499
$ 163,483 0% 0.000 3.6499
$ 78,563 0% 0.000 3.6499
$ 112,015 0% 0.000 3.6499
$ 155,639 0% 0.000 3.6499
Mar-07 1 $ 132,736 0% 0.002 3.6523
Apr-07 6 $ 147,800 1% 0.086 3.7386
$ 172,657 0% 0.000 3.7386
$ 148,031 0% 0.000 3.7386
$ 141,211 0% 0.000 3.7386
$ 148,302 0% 0.000 3.7386
$ 67,346 0% 0.000 3.7386
May-07 3 $ 70,262 1% 0.022 3.7602
$ 102,288 0% 0.000 3.7602
$ 125,483 0% 0.000 3.7602
Jun-07 5 $ 86,997 1% 0.060 3.8201
$ 135,492 0% 0.000 3.8201
$ 152,937 0% 0.000 3.8201
$ 115,226 0% 0.000 3.8201
$ 79,165 0% 0.000 3.8201
Jul-07 2 $ 59,906 0% 0.010 3.8297
$ 151,655 0% 0.000 3.8297
Aug-07 2 $ 34,268 0% 0.010 3.8393
$ 95,548 0% 0.000 3.8393
Sep-07 4 $ 132,746 1% 0.038 3.8777
$ 73,268 0% 0.000 3.8777
$ 118,302 0% 0.000 3.8777
$ 66,351 0% 0.000 3.8777
Oct-07 4 $ 152,645 1% 0.038 3.9161
$ 162,634 0% 0.000 3.9161
$ 99,120 0% 0.000 3.9161
$ 163,272 0% 0.000 3.9161
Nov-07 5 $ 118,986 1% 0.060 3.9760
$ 176,895 0% 0.000 3.9760
$ 168,569 0% 0.000 3.9760
$ 49,384 0% 0.000 3.9760
$ 122,963 0% 0.000 3.9760
Dec-07 4 $ 87,985 1% 0.038 4.0144
$ 135,350 0% 0.000 4.0144
$ 125,341 0% 0.000 4.0144
$ 218,500 0% 0.000 4.0144
Jan-08 5 $ 149,433 1% 0.060 4.0743
$ 101,994 0% 0.000 4.0743
$ 101,641 0% 0.000 4.0743
$ 111,908 0% 0.000 4.0743
$ 130,783 0% 0.000 4.0743
Feb-08 4 $ 93,026 1% 0.038 4.1127
$ 100,413 0% 0.000 4.1127
$ 80,880 0% 0.000 4.1127
$ 106,662 0% 0.000 4.1127
Mar-08 6 $ 51,490 1% 0.086 4.1990
$ 106,835 0% 0.000 4.1990
$ 107,501 0% 0.000 4.1990
$ 139,850 0% 0.000 4.1990
$ 84,411 0% 0.000 4.1990
$ 93,684 0% 0.000 4.1990
Apr-08 2 $ 102,092 0% 0.010 4.2086
$ 189,523 0% 0.000 4.2086
May-08 5 $ 94,669 1% 0.060 4.2686
$ 176,480 0% 0.000 4.2686
$ 102,646 0% 0.000 4.2686
$ 174,419 0% 0.000 4.2686
$ 104,421 0% 0.000 4.2686
Jun-08 5 $ 77,418 1% 0.060 4.3285
$ 153,753 0% 0.000 4.3285
$ 81,726 0% 0.000 4.3285
$ 89,999 0% 0.000 4.3285
 $ 138,811 0% 0.000 4.3285
Jul-08 5 $ 143,361 1% 0.060 4.3885
$ 90,367 0% 0.000 4.3885
$ 95,596 0% 0.000 4.3885
$ 130,105 0% 0.000 4.3885
$ 88,331 0% 0.000 4.3885
Aug-08 4 $ 87,356 1% 0.038 4.4269
$ 85,920 0% 0.000 4.4269
$ 138,900 0% 0.000 4.4269
$ 129,708 0% 0.000 4.4269
Sep-08 3 $ 102,533 1% 0.022 4.4484
$ 126,128 0% 0.000 4.4484
$ 79,844 0% 0.000 4.4484
Oct-08 6 $ 141,111 1% 0.086 4.5348
$ 72,484 0% 0.000 4.5348
$ 125,677 0% 0.000 4.5348
$ 138,324 0% 0.000 4.5348
$ 147,530 0% 0.000 4.5348
$ 162,698 0% 0.000 4.5348
Nov-08 5 $ 126,235 1% 0.060 4.5947
$ 115,551 0% 0.000 4.5947
$ 137,553 0% 0.000 4.5947
$ 91,199 0% 0.000 4.5947
$ 125,491 0% 0.000 4.5947
Dec-08 5 $ 97,948 1% 0.060 4.6547
$ 118,394 0% 0.000 4.6547
$ 124,942 0% 0.000 4.6547
$ 136,701 0% 0.000 4.6547
$ 145,948 0% 0.000 4.6547
417 100.00%
 3. Fraude Externo
Número de Número de
inconsistencias en Pérdida Asociada Mes cheques con
caja menor firmas falsificadas

1 $ 27,282 3% 0.034 0.034 Jan-00 4

1 $ 53,318 3% 0.034 0.069
1 $ 50,211 3% 0.034 0.103
1 $ 57,905 3% 0.034 0.138
1 $ 48,327 3% 0.034 0.172 Feb-00 1
1 $ 53,819 3% 0.034 0.207 Mar-00 1
1 $ 74,450 3% 0.034 0.241 Apr-00 4
1 $ 50,389 3% 0.034 0.276
1 $ 39,712 3% 0.034 0.310
1 $ 12,478 3% 0.034 0.345
1 $ 24,074 3% 0.034 0.379 Jun-00 6
1 $ 17,599 3% 0.034 0.414
1 $ 74,145 3% 0.034 0.448
1 $ 61,052 3% 0.034 0.483
1 $ 17,402 3% 0.034 0.517
1 $ 15,862 3% 0.034 0.552
1 $ 67,507 3% 0.034 0.586 Jul-00 1
1 $ 91,779 3% 0.034 0.621 Aug-00 2
1 $ 26,076 3% 0.034 0.655
1 $ 65,217 3% 0.034 0.690 Sep-00 2
1 $ 96,134 3% 0.034 0.724
1 $ 4,585 3% 0.034 0.759 Oct-00 1
1 $ 50,889 3% 0.034 0.793 Nov-00 6
1 $ 26,051 3% 0.034 0.828
1 $ 55,825 3% 0.034 0.862
1 $ 7,870 3% 0.034 0.897
1 $ 9,136 3% 0.034 0.931
1 $ 75,886 3% 0.034 0.966
1 $ 36,053 3% 0.034 1.000 Dec-00 1
29 100% Jan-01 2

Mar-01 3

Apr-01 4

May-01 4

Jun-01 2

Jul-01 3
Aug-01 1
Sep-01 5

Oct-01 1
Nov-01 2

Dec-01 2

Jan-02 2

Feb-02 3

Mar-02 2

Apr-02 1
May-02 4

Jun-02 2

Jul-02 5

Aug-02 4

Sep-02 2

Oct-02 4

Nov-02 1
Dec-02 3

Jan-03 3

Feb-03 2
Mar-03 2

Apr-03 3

May-03 2

Jun-03 4

Jul-03 3

Aug-03 4

Sep-03 1
Oct-03 1
Nov-03 3

Dec-03 1
Jan-04 3

Feb-04 4

Mar-04 2

Apr-04 2

May-04 3

Jun-04 2

Jul-04 1
Aug-04 4

Sep-04 2

Oct-04 2

Nov-04 1
Dec-04 1
Mar-05 5

May-05 2

Jun-05 1
Jul-05 3

Aug-05 5

Sep-05 4

Oct-05 2

Nov-05 3

Dec-05 3

Jan-06 4

Feb-06 1
Mar-06 2

Apr-06 2

May-06 2

Jun-06 2

Jul-06 3

Sep-06 1
Oct-06 1
Dec-06 1
Jan-07 1
Mar-07 1
Apr-07 1
Jun-07 1
Jul-07 2

Aug-07 3

Oct-07 1
Nov-07 1
Dec-07 5

Jan-08 4

Feb-08 1
Mar-08 3

Apr-08 2

May-08 3

Jun-08 1
Jul-08 5

Aug-08 1
Sep-08 1
Oct-08 3

Nov-08 1
Dec-08 1
236
 4a. Fraude Externo
Hacking de
Pérdida Asociada Mes sistemas de Pérdida Asociada
información

$ 612,552 2% 0.068 0.068 Feb-00 1 $ 7,462,610

$ 508,658 0% 0.000 0.068 Jan-01 1 $ 5,654,110
$ 1,131,730 0% 0.000 0.068 Feb-01 1 $ 3,883,620
$ 689,555 0% 0.000 0.068 Apr-02 1 $ 8,065,620
$ 1,242,520 0% 0.004 0.072 Sep-02 1 $ 2,032,930
$ 1,255,030 0% 0.004 0.076 Oct-02 1 $ 1,707,430
$ 353,960 2% 0.068 0.144 Aug-03 1 $ 5,000,240
$ 1,060,700 0% 0.000 0.144 Mar-04 1 $ 4,681,870
$ 554,452 0% 0.000 0.144 Nov-04 1 $ 2,517,920
$ 878,114 0% 0.000 0.144 Aug-05 1 $ 5,602,570
$ 656,766 3% 0.153 0.297 Oct-05 1 $ 25,534,400
$ 329,796 0% 0.000 0.297 May-06 1 $ 19,340,100
$ 339,333 0% 0.000 0.297 Jul-06 1 $ 9,621,800
$ 694,475 0% 0.000 0.297 Oct-07 1 $ 11,993,500
$ 841,470 0% 0.000 0.297 Jan-08 1 $ 53,953,700
$ 807,409 0% 0.000 0.297 May-08 1 $ 2,690,690
$ 670,529 0% 0.004 0.301 Jun-08 1 $ 6,916,870
$ 286,809 1% 0.017 0.318 Nov-08 1 $ 3,855,270
$ 1,101,460 0% 0.000 0.318 Dec-08 1 $ 6,977,950
$ 185,391 1% 0.017 0.335 19
$ 482,077 0% 0.000 0.335
$ 720,221 0% 0.004 0.339
$ 1,022,440 3% 0.153 0.492
$ 1,029,250 0% 0.000 0.492
$ 369,765 0% 0.000 0.492
$ 620,803 0% 0.000 0.492
$ 834,653 0% 0.000 0.492
$ 828,412 0% 0.000 0.492
$ 671,852 0% 0.004 0.496
$ 770,830 1% 0.017 0.513
$ 574,205 0% 0.000 0.513
$ 667,757 1% 0.038 0.551
$ 614,064 0% 0.000 0.551
$ 351,241 0% 0.000 0.551
$ 1,330,810 2% 0.068 0.619
$ 658,136 0% 0.000 0.619
$ 790,424 0% 0.000 0.619
$ 1,024,110 0% 0.000 0.619
$ 600,032 2% 0.068 0.686
$ 478,108 0% 0.000 0.686
$ 833,421 0% 0.000 0.686
$ 643,952 0% 0.000 0.686
$ 727,692 1% 0.017 0.703
$ 488,800 0% 0.000 0.703
$ 788,657 1% 0.038 0.742
$ 488,656 0% 0.000 0.742
$ 751,666 0% 0.000 0.742
$ 558,446 0% 0.004 0.746
$ 504,744 2% 0.106 0.852
$ 647,669 0% 0.000 0.852
$ 895,614 0% 0.000 0.852
$ 644,203 0% 0.000 0.852
$ 528,879 0% 0.000 0.852
$ 846,167 0% 0.004 0.856
$ 937,417 1% 0.017 0.873
$ 822,240 0% 0.000 0.873
$ 475,658 1% 0.017 0.890
$ 368,235 0% 0.000 0.890
$ 903,657 1% 0.017 0.907
$ 435,075 0% 0.000 0.907
$ 991,321 1% 0.038 0.945
$ 848,354 0% 0.000 0.945
$ 683,272 0% 0.000 0.945
$ 1,037,730 1% 0.017 0.962
$ 421,525 0% 0.000 0.962
$ 272,205 0% 0.004 0.966
$ 560,776 2% 0.068 1.034
$ 377,129 0% 0.000 1.034
$ 937,683 0% 0.000 1.034
$ 578,661 0% 0.000 1.034
$ 408,070 1% 0.017 1.051
$ 786,828 0% 0.000 1.051
$ 1,157,210 2% 0.106 1.157
$ 473,166 0% 0.000 1.157
$ 428,113 0% 0.000 1.157
$ 543,329 0% 0.000 1.157
$ 392,658 0% 0.000 1.157
$ 808,276 2% 0.068 1.225
$ 494,387 0% 0.000 1.225
$ 513,415 0% 0.000 1.225
$ 628,711 0% 0.000 1.225
$ 777,442 1% 0.017 1.242
$ 731,144 0% 0.000 1.242
$ 246,105 2% 0.068 1.309
$ 466,754 0% 0.000 1.309
$ 615,215 0% 0.000 1.309
$ 493,223 0% 0.000 1.309
$ 914,721 0% 0.004 1.314
$ 310,475 1% 0.038 1.352
$ 739,074 0% 0.000 1.352
$ 466,858 0% 0.000 1.352
$ 727,528 1% 0.038 1.390
$ 805,509 0% 0.000 1.390
$ 464,731 0% 0.000 1.390
$ 520,673 1% 0.017 1.407
$ 593,779 0% 0.000 1.407
$ 463,839 1% 0.017 1.424
$ 333,835 0% 0.000 1.424
$ 204,577 1% 0.038 1.462
$ 350,192 0% 0.000 1.462
$ 1,179,410 0% 0.000 1.462
$ 760,859 1% 0.017 1.479
$ 374,612 0% 0.000 1.479
$ 762,729 2% 0.068 1.547
$ 583,226 0% 0.000 1.547
$ 1,065,360 0% 0.000 1.547
$ 752,023 0% 0.000 1.547
$ 412,219 1% 0.038 1.585
$ 1,263,070 0% 0.000 1.585
$ 424,347 0% 0.000 1.585
$ 286,472 2% 0.068 1.653
$ 531,310 0% 0.000 1.653
$ 238,643 0% 0.000 1.653
$ 166,420 0% 0.000 1.653
$ 657,527 0% 0.004 1.657
$ 569,761 0% 0.004 1.661
$ 464,433 1% 0.038 1.699
$ 495,150 0% 0.000 1.699
$ 686,321 0% 0.000 1.699
$ 436,148 0% 0.004 1.703
$ 379,662 1% 0.038 1.742
$ 658,822 0% 0.000 1.742
$ 1,120,370 0% 0.000 1.742
$ 678,499 2% 0.068 1.809
$ 344,142 0% 0.000 1.809
$ 580,902 0% 0.000 1.809
$ 888,991 0% 0.000 1.809
$ 601,331 1% 0.017 1.826
$ 538,385 0% 0.000 1.826
$ 454,975 1% 0.017 1.843
$ 888,829 0% 0.000 1.843
$ 341,835 1% 0.038 1.881
$ 343,049 0% 0.000 1.881
$ 574,145 0% 0.000 1.881
$ 557,504 1% 0.017 1.898
$ 876,995 0% 0.000 1.898
$ 583,008 0% 0.004 1.903
$ 1,015,660 2% 0.068 1.970
$ 489,375 0% 0.000 1.970
$ 536,417 0% 0.000 1.970
$ 695,139 0% 0.000 1.970
$ 825,872 1% 0.017 1.987
$ 758,115 0% 0.000 1.987
$ 353,514 1% 0.017 2.004
$ 381,052 0% 0.000 2.004
$ 322,826 0% 0.004 2.008
$ 621,189 0% 0.004 2.013
$ 435,896 2% 0.106 2.119
$ 389,389 0% 0.000 2.119
$ 835,045 0% 0.000 2.119
$ 1,092,440 0% 0.000 2.119
$ 373,892 0% 0.000 2.119
$ 742,350 1% 0.017 2.136
$ 761,979 0% 0.000 2.136
$ 237,329 0% 0.004 2.140
$ 692,256 1% 0.038 2.178
$ 383,442 0% 0.000 2.178
$ 974,730 0% 0.000 2.178
$ 784,097 2% 0.106 2.284
$ 1,159,210 0% 0.000 2.284
$ 701,480 0% 0.000 2.284
$ 574,869 0% 0.000 2.284
$ 729,697 0% 0.000 2.284
$ 672,113 2% 0.068 2.352
$ 524,373 0% 0.000 2.352
$ 728,819 0% 0.000 2.352
$ 1,177,000 0% 0.000 2.352
$ 1,064,320 1% 0.017 2.369
$ 466,723 0% 0.000 2.369
$ 305,229 1% 0.038 2.407
$ 538,793 0% 0.000 2.407
$ 644,560 0% 0.000 2.407
$ 679,768 1% 0.038 2.445
$ 643,025 0% 0.000 2.445
$ 408,178 0% 0.000 2.445
$ 482,988 2% 0.068 2.513
$ 555,167 0% 0.000 2.513
$ 406,108 0% 0.000 2.513
$ 496,319 0% 0.000 2.513
$ 991,853 0% 0.004 2.517
$ 588,728 1% 0.017 2.534
$ 491,931 0% 0.000 2.534
$ 507,540 1% 0.017 2.551
$ 254,436 0% 0.000 2.551
$ 432,678 1% 0.017 2.568
$ 400,561 0% 0.000 2.568
$ 922,922 1% 0.017 2.585
$ 537,478 0% 0.000 2.585
$ 453,728 1% 0.038 2.623
$ 568,594 0% 0.000 2.623
$ 464,775 0% 0.000 2.623
$ 281,262 0% 0.004 2.627
$ 652,178 0% 0.004 2.631
$ 265,538 0% 0.004 2.636
$ 557,897 0% 0.004 2.640
$ 390,982 0% 0.004 2.644
$ 423,531 0% 0.004 2.648
$ 651,295 0% 0.004 2.653
$ 764,410 1% 0.017 2.669
$ 411,313 0% 0.000 2.669
$ 417,583 1% 0.038 2.708
$ 445,715 0% 0.000 2.708
$ 441,316 0% 0.000 2.708
$ 491,223 0% 0.004 2.712
$ 445,792 0% 0.004 2.716
$ 306,452 2% 0.106 2.822
$ 611,220 0% 0.000 2.822
$ 948,897 0% 0.000 2.822
$ 791,407 0% 0.000 2.822
$ 573,603 0% 0.000 2.822
$ 412,584 2% 0.068 2.890
$ 507,989 0% 0.000 2.890
$ 378,965 0% 0.000 2.890
$ 508,648 0% 0.000 2.890
$ 658,831 0% 0.004 2.894
$ 1,372,510 1% 0.038 2.932
$ 527,420 0% 0.000 2.932
$ 639,978 0% 0.000 2.932
$ 457,989 1% 0.017 2.949
$ 614,797 0% 0.000 2.949
$ 653,408 1% 0.038 2.987
$ 411,198 0% 0.000 2.987
$ 320,205 0% 0.000 2.987
$ 440,599 0% 0.004 2.992
$ 386,455 2% 0.106 3.097
$ 697,060 0% 0.000 3.097
$ 503,099 0% 0.000 3.097
$ 1,092,820 0% 0.000 3.097
$ 554,930 0% 0.000 3.097
$ 524,801 0% 0.004 3.102
$ 545,076 0% 0.004 3.106
$ 848,589 1% 0.038 3.144
$ 515,679 0% 0.000 3.144
$ 583,901 0% 0.000 3.144
$ 591,739 0% 0.004 3.148
$ 489,976 0% 0.004 3.153
100%
 5% 0.053 0.053
5% 0.053 0.105
5% 0.053 0.158
5% 0.053 0.211
5% 0.053 0.263
5% 0.053 0.316
5% 0.053 0.368
5% 0.053 0.421
5% 0.053 0.474
5% 0.053 0.526
5% 0.053 0.579
5% 0.053 0.632
5% 0.053 0.684
5% 0.053 0.737
5% 0.053 0.789
5% 0.053 0.842
5% 0.053 0.895
5% 0.053 0.947
5% 0.053 1.000
100%
 1. Sistemas 2. Fraude Interno
perdida esperada por riesgo operacional en perdida esperada por riesgo operac
un dia en un dia
frecuencia de 2 frecuencia de
severidad del $ 123,280.00 severidad del

perdida espe $ 294,040.06 perdida espe

capital perdida no e $ 741,508.57 perdida no e

99% Perdida cata $ 1,035,548.63 Perdida cata

Fraude Interno 3. Fraude Externo
perdida esperada por riesgo operacional perdida esperada por riesgo operacional
en un dia en un dia
1 frecuencia de 2
$ 44,527.90 severidad del $ 620,579.40

$ 23,031.54 perdida espe $ 1,055,998.59

$ 112,554.40 perdida no e $ 4,218,320.84

$ 135,585.94 Perdida cata $ 5,274,319.43

4a. Fraude Externo
perdida esperada por riesgo operacional en un
dia
frecuencia de 1
severidad del $ 10,172,168.50

perdida espe $ 5,353,798.77

perdida no e $ 424,304,979.55

Perdida cata $429,658,778.32