Autores del trabajo.

Cesar Elliott Cortez Muñoz

Junieth Nallely Lopez baquedano
Karelis Melissa treminio Jimenez
Aaron Murillo Vega
 Ginni

BANCOS ACTIVOS PORCENTAJE PARTICIPACION PARTICIPACION DIFERENCIA X-Y DIFERENCIA (X- DIFERENCIA
ACUMULADA (y) ACUMULADA (x) Y)*2

1 BANCO ATLANTIDA C$ 1,021,246,800.00 0.36% 12.50% 0.36% 12.14% 0.242716721338 0.03

2 BFP C$ 6,973,493,296.00 2.49% 25.00% 2.85% 22.15% 0.442983498259 0.06
3 AVANZ C$ 8,884,750,388.00 3.17% 37.50% 6.02% 31.48% 0.629619664053 0.08
4 BDF C$ 19,611,107,287.00 6.99% 50.00% 13.01% 36.99% 0.739758115166 0.09
5 BANCO FICOHSA C$ 21,523,105,514.00 7.67% 62.50% 20.69% 41.81% 0.836260669562 0.10
6 BAC C$ 66,167,646,692.00 23.59% 75.00% 44.28% 30.72% 0.61436943889 0.08
7 LAFISE BANCENTRO C$ 74,565,629,053.00 26.59% 87.50% 70.87% 16.63% 0.332585882744 0.04
8 BANPRO C$ 81,689,029,911.00 29.13% 100.00% 100.00% 0.00% 0 48%
TOTAL C$ 280,436,008,941.00 100%
 Participacio
BANCOS ACTIVOS (Participacion)^2
n

BANCO ATLANTIDA C$ 1,021,246,800.00 0% 0

BFP C$ 6,973,493,296.00 2% 4
AVANZ C$ 8,884,750,388.00 3% 9
BDF C$ 19,611,107,287.00 7% 49
FICOHSA C$ 21,523,105,514.00 8% 84
BAC C$ 66,167,646,692.00 24% 576
LAFISE BANCENTRO C$ 74,565,629,053.00 27% 729
BANPRO C$ 81,689,029,911.00 29% 841
TOTAL C$ 280,436,008,941.00 100% 2292

IHH= 2619.28> 1800

IHH se encuentra se encuentra altamente
concentrado
IHH

2619.28
 BANCOS ACTIVOS Indice ojiva
BANCO ATLANTIDA C$ 1,021,246,800.00 0.118 0.003641639
BPF C$ 6,973,493,296.00 0.080 0.024866612
AVANZ C$ 8,884,750,388.00 0.070 0.031681917
BDF C$ 19,611,107,287.00 0.024 0.069930774
BANCO FICOHSA C$ 21,523,105,514.00 0.019 0.076748723
BAC C$ 66,167,646,692.00 0.098 0.235945615
LAFISE BANCENTRO C$ 74,565,629,053.00 0.159 0.265891778
BANPRO C$ 81,689,029,911.00 0.221 0.291292941
TOTAL C$ 280,436,008,941.00 0.789

El sector bancario esta

altamente concentrado
0.789>1
 Ginni
PARTICIPACION
BANCOS PATRIMONIO PORCENTAJE %
ACUMULADA (X)
1 BANCO ATLANTIDA C$ 483,188,300.00 1% 12.50%
2 AVANZ C$ 1,281,723,182.00 3% 25.00%
3 BDF C$ 2,092,918,945.00 4% 37.50%
4 FICOHSA C$ 2,504,804,112.00 5% 50.00%
5 BFP C$ 5,556,946,193.00 11% 62.50%
6 LAFISE BANCENTRO C$ 10,968,986,502.00 23% 75.00%
78 BANPRO C$ 12,389,844,149.00 26% 87.50%
8 BAC C$ 13,109,735,336.00 27% 100.00%
TOTAL C$ 48,388,146,719.00 100%

El patrimonio del sistema bancario estan relativamente diversificados

inni
PARTICIPACION
DIFERENCIA X-Y DIFERENCIA (X-Y)*2 DIFERENCIA
ACUMULADA (Y)
1% 11.50% 0.23002865028884 0.028753581286
4% 21.35% 0.42705190830105 0.053381488538
8% 29.53% 0.59054646897707 0.073818308622
13% 36.85% 0.73701681215653 0.09212710152
25% 37.87% 0.757334686686 0.094666835836
47% 27.70% 0.553959748989 0.069244968624
73% 14.59% 0.29185730286927 0.036482162859
100% 0.00% 0 45%
 (Participacion
BANCOS PATRIMONIO Participacion IHH
)^2
BANCO ATLA C$ 483,188,300.00 1% 1
AVANZ C$ 1,281,723,182.00 3% 9
BDF C$ 2,092,918,945.00 4% 16
FICOHSA C$ 2,504,804,112.00 5% 25
BFP C$ 5,556,946,193.00 11% 121
LAFISE BANC C$ 10,968,986,502.00 23% 529
BANPRO C$ 12,389,844,149.00 26% 676
BAC C$ 13,109,735,336.00 27% 729
TOTAL C$ 48,388,146,719.00 100% 2106 2406.71

IHH=2406.71 >1800

IHH se encuentra altamente concentrado

\
BANCOS PATRIMONIO Indice ojiva
BANCO ATLANTIDA C$ 483,188,300.00 0.10582635990741
AVANZ C$ 1,281,723,182.00 0.07763632839549
BDF C$ 2,092,918,945.00 0.05346094274129
FICOHSA C$ 2,504,804,112.00 0.04290712286222
BFP C$ 5,556,946,193.00 0.00082563205079
LAFISE BANCENTRO C$ 10,968,986,502.00 0.08272273056652
BANPRO C$ 12,389,844,149.00 0.13739538452389
BAC C$ 13,109,735,336.00 0.17036137047625
TOTAL C$ 48,388,146,719.00 67%

0.67>1
El sector bancario esta altamente concentrado
0.00998567
0.02648837
0.04325272
0.05176483
0.11484106
0.22668747
0.25605122
0.27092865
 Ginni
PARTICIPACION
BANCOS CREDITOS PORCENTAJE %
ACUMULADA (Y)
8 BANCO ATLANTIDA C$ 538,058,500.00 0.23% 12.50%
7 BFP C$ 1,416,547,103.00 0.61% 25.00%
6 AVANZ C$ 7,623,027,216.00 3.29% 37.50%
5 BDF C$ 17,502,600,828.00 7.54% 50.00%
4 BANCO FICOHSA C$ 19,018,301,402.00 8.20% 62.50%
3 BAC C$ 53,057,911,356.00 22.86% 75.00%
2 LAFISE BANCENTRO C$ 63,596,642,551.00 27.41% 87.50%
1 BANPRO C$ 69,299,185,762.00 29.86% 100.00%
9 TOTAL C$ 232,052,274,718.00 100.00%

Creditos se encuentran relativamente diversificados

PARTICIPACION DIFERENCIA
DIFERENCIA X-Y DIFERENCIA
ACUMULADA (X) (X-Y)*2
0.23% 12.27% 24.54% 3.07%
0.84% 24.16% 48.32% 6.04%
4.13% 33.37% 66.75% 8.34%
11.67% 38.33% 76.66% 9.58%
19.87% 42.63% 85.27% 10.66%
42.73% 32.27% 64.54% 8.07%
70.14% 17.36% 34.73% 4.34%
100.00% 0.00% 0.00% 0.00%
50.10%

Ginni Diversificado=29.99
 BANCOS CREDITOS Participacion (Participacion)^2
8 BANCO ATLA C$ 538,058,500.00 0.231869521922968 0.0537634751968
7 BFP C$ 1,416,547,103.00 0.610443101547464 0.3726407802269
6 AVANZ C$ 7,623,027,216.00 3.28504739945507 10.7915364166665
5 BDF C$ 17,502,600,828.00 7.54252499755494 56.8896833387411
4 BANCO FICOHC$ 19,018,301,402.00 8.19569703641641 67.1694499127248
3 BAC C$ 53,057,911,356.00 22.8646374703623 522.791646651098
2 LAFISE BANC C$ 63,596,642,551.00 27.4061707123041 751.098193111956
1 BANPRO C$ 69,299,185,762.00 29.8636097604367 891.835187923649
9 TOTAL C$ 232,052,274,718.00 100 2301.00210161026

La IHH es altamente
concentrada ya que cuenta con
IHH> 1800

-0.111111111111111 -0.125
0.888888888888889
 IHH 52

2629.57383

a IHH es altamente
trada ya que cuenta con
IHH> 1800 IHH= 2629.57383> 1800
 Participacio
BANCOS CREDITOS n Indice ojiva
8 BANCO ATLANTI C$ 538,058,500.00 0.0023187 0.120
7 BFP C$ 1,416,547,103.00 0.00610443 0.113
6 AVANZ C$ 7,623,027,216.00 0.03285047 0.068
5 BDF C$ 17,502,600,828.00 0.07542525 0.020
4 BANCO FICOHSA C$ 19,018,301,402.00 0.08195697 0.015
3 BAC C$ 53,057,911,356.00 0.22864637 0.086
2 LAFISE BANCENT C$ 63,596,642,551.00 0.27406171 0.178
1 BANPRO C$ 69,299,185,762.00 0.2986361 0.241
TOTAL C$ 232,052,274,718.00 1 0.841
El sector bancario esta altamente 0<0.841<1
concentrado ya que el indice de ojiva es de
o.841, es decir, bastante cercano a 1