EXPLICACIÓN DE ESTADO DE RESULTADOS DE INDICADORES

MORA CARTERA ALTO RIESGO=CARTERA DE ALTO RIESGO/CREDITOS CONCEDIDOS

DESEADO=MENOR A 3.5%

CARTERA ATRASADA O MOROSA=CARTERA VENCIDA+CARTERA JUDICIAL/COLOCACIONES TOTALES

DESEADO=MENOR A 3%

COBERTURA CARTERA ALTO RIESGOS=PROVISIONES PARA CREDITOS/CARTERA DE ALTO RIESGO

DESEADO=MAYOR A 100%
 RATIO DE APALANCAMIENTO=CAPITAL O PATRIMONIO NETO/ACTIVO TOTAL

DESEADO=MAYOR A 10%

EFICIENCIA GASTO ADMINISTRATIVO=GASTO ADMINISTRATIVO/MARGEN FINANCIERO

DESEADO=MENOR A 50%

ROE=UTILIDAD NETA/PATRIMONIO TOTAL

DESEADO=MAYOR A 23.43%
ROA=UTILIDAD NETA/ACTIVO TOTAL

DESEADO=MAYOR A 2.26%
 BANCO DE CREDITO DEL PERÚ
XPLICACIÓN DE ESTADO DE RESULTADOS DE INDICADORES
2014 2015 2016
2057429 2505395 2829896
RA ALTO RIESGO=CARTERA DE ALTO RIESGO/CREDITOS CONCEDIDOS 66,670,548 76,453,801 79,101,395
3.09% 3.28% 3.58%
DESEADO=MENOR A 3.5% 3.50%
8.00% 3.50% 3.50%

7.00%

6.00%

5.00%

4.00%

3.00%

2.00%

1.00%

0.00%
2014 2015 2016 2017
-1.00%

1,525,821 1,851,209 2,126,033

O MOROSA=CARTERA VENCIDA+CARTERA JUDICIAL/COLOCACIONES TOTALES 66,670,548 76,453,801 79,101,395
2.29% 2.42% 2.69%
DESEADO=MENOR A 3% 3.00%
8.00% 3.00% 3.00%
7.00%

6.00%

5.00%

4.00%

3.00%

2.00%

1.00%

0.00%
2014 2015 2016 2017
-1.00%

2,348,951 2,909,229 3,288,135

RA ALTO RIESGOS=PROVISIONES PARA CREDITOS/CARTERA DE ALTO RIESGO 2,057,429 2,505,395 2,829,896
114.17% 116.12% 116.19%
DESEADO=MAYOR A 100% 100%
140.00% 100% 100%

120.00%

100.00%

80.00%

60.00%
 140.00%

120.00%

100.00%

80.00%

60.00%

40.00%

20.00%

0.00%
2014 2015 2016 2017

9,785,204 11,923,752 13,601,117

APALANCAMIENTO=CAPITAL O PATRIMONIO NETO/ACTIVO TOTAL 102,200,300 120,262,491 118,410,198
9.57% 9.91% 11.49%
DESEADO=MAYOR A 10% 16.00% 10% 10% 10%
14.00%

12.00%

10.00%

8.00%

6.00%

4.00%

2.00%

0.00%
2014 2015 2016 2017

2,818,524 3,044,713 3,071,750

TO ADMINISTRATIVO=GASTO ADMINISTRATIVO/MARGEN FINANCIERO 4,831,595 5,494,966 6,029,943
58.34% 55.41% 50.94%
DESEADO=MENOR A 50% 70.00% 50% 50% 50%
60.00%

50.00%

40.00%

30.00%

20.00%

10.00%

0.00%
2014 2015 2016 2017
1,914,519 2,777,586 2,925,550
ROE=UTILIDAD NETA/PATRIMONIO TOTAL 9,785,204 11,923,752 13,601,117
19.57% 23.29% 21.51%
DESEADO=MAYOR A 23.43% 23.43%
30.00% 23.43% 23.43%

25.00%

20.00%

15.00%

10.00%
 30.00%

25.00%

20.00%

15.00%

10.00%

5.00%

0.00%
2014 2015 2016 2017

1,914,519 2,777,586 2,925,550

ROA=UTILIDAD NETA/ACTIVO TOTAL 102,200,300 120,262,491 118,410,198
1.87% 2.31% 2.47%
DESEADO=MAYOR A 2.26% 3.00%2.26% 2.26% 2.26%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%
2014 2015 2016 2017
CREDITO DEL PERÚ BBVA CONTINENTAL
2017 2018 2014 2015 2016 2017 2018 2014
3177438 3608679 1700429 1892519 2145398 2442883 2624752 886597
83,018,666 92,354,691 44,029,422 50,041,412 52,227,015 52,233,164 54,468,209 30,228,989
3.83% 3.91% 3.86% 3.78% 4.11% 4.68% 4.82% 2.93%
3.50% 3.50% 3.50%
8.00% 3.50% 3.50% 3.50% 3.50% 8.00%3.50%

7.00% 7.00%

6.00% 6.00%

5.00% 5.00%

4.00% 4.00%

3.00% 3.00%

2.00% 2.00%

1.00% 1.00%

0.00% 0.00%
5 2016 2017 2018 2014 2015 2016 2017 2018 2014 2015
-1.00% -1.00%

2,447,376 2,446,217 962,935 1,061,584 1,232,807 1,363,721 1,564,036 731,166

83,018,666 92,354,691 44,029,422 50,041,412 52,227,015 52,233,164 54,468,209 30,228,989
2.95% 2.65% 2.19% 2.12% 2.36% 2.61% 2.87% 2.42%
3.00% 3.00% 3.00%
8.00% 3.00% 3.00% 3.00% 3.00% 3.00%
8.00%
7.00% 7.00%
6.00% 6.00%
5.00% 5.00%

4.00% 4.00%

3.00% 3.00%

2.00% 2.00%

1.00% 1.00%

0.00% 0.00%
2016 2017 2018 2014 2015 2016 2017 2018 2014 2015
-1.00% -1.00%

3,417,143 3,499,449 1,973,023 2,192,644 2,347,278 2,341,093 2,601,748 1,044,331

3,177,438 3,608,679 1,700,429 1,892,519 2,145,398 2,442,883 2,624,752 886,597
107.54% 96.97% 116.03% 115.86% 109.41% 95.83% 99.12% 117.79%
100% 100% 100%
140.00% 100% 100% 100% 100% 100%
140.00%

120.00% 120.00%

100.00% 100.00%

80.00% 80.00%

60.00% 60.00%
 140.00% 140.00%

120.00% 120.00%

100.00% 100.00%

80.00% 80.00%

60.00% 60.00%

40.00% 40.00%

20.00% 20.00%

0.00% 0.00%
2016 2017 2018 2014 2015 2016 2017 2018 2014 2015

15,177,609 16,957,403 5,577,869 6,255,987 6,988,891 7,659,678 8,358,663 5,680,221

129,217,999 133,765,597 62,896,260 81,116,142 78,620,169 76,590,967 75,133,417 44,176,645
11.75% 12.68% 8.87% 7.71% 8.89% 10.00% 11.13% 12.86%
10% 10% 16.00% 10% 10% 10% 10% 10% 16.00% 10%
14.00% 14.00%
12.00% 12.00%
10.00% 10.00%
8.00%
8.00%
6.00%
6.00%
4.00%
4.00%
2.00%
2.00%
0.00%
2014 2015 2016 2017 2018 0.00%
2016 2017 2018 -2.00% 2014 2015
3,171,233 3,387,111 1,307,824 1,451,543 1,509,037 1,468,497 1,519,871 1,052,489
6,323,141 6,802,568 2,878,988 2,794,869 3,000,718 3,095,492 3,167,165 1,920,871
50.15% 49.79% 45.43% 51.94% 50.29% 47.44% 47.99% 54.79%
50% 50% 70.00% 50% 50% 50% 50% 50% 70.00% 50%

60.00% 60.00%

50.00% 50.00%

40.00% 40.00%

30.00% 30.00%

20.00% 20.00%

10.00% 10.00%

0.00% 0.00%
2016 2017 2018 2014 2015 2016 2017 2018 2014 2015
2,988,090 3,341,940 1,343,780 1,371,604 1,337,968 1,387,093 1,476,022 956,210
15,177,609 16,957,403 5,577,869 6,255,987 6,988,891 7,659,678 8,358,663 5,680,221
19.69% 19.71% 24.09% 21.92% 19.14% 18.11% 17.66% 16.83%
23.43% 23.43% 30.00%
23.43% 23.43% 23.43% 23.43% 23.43% 30.00%
23.43%

25.00% 25.00%

20.00%
20.00%
15.00%
15.00%
10.00%
10.00%
 30.00% 30.00%

25.00% 25.00%

20.00%
20.00%
15.00%
15.00%
10.00%
10.00%
5.00%
5.00%
0.00%
2014 2015
0.00%
2016 2017 2018 2014 2015 2016 2017 2018 -5.00%

2,988,090 3,341,940 1,343,780 1,371,604 1,337,968 1,387,093 1,476,022 956,210

129,217,999 133,765,597 62,896,260 81,116,142 78,620,169 76,590,967 75,133,417 44,176,645
2.31% 2.50% 2.14% 1.69% 1.70% 1.81% 1.96% 2.16%
2.26% 2.26% 3.00%2.26% 2.26% 2.26% 2.26% 2.26% 3.00%2.26%

2.50% 2.50%

2.00% 2.00%

1.50% 1.50%

1.00% 1.00%

0.50% 0.50%

0.00% 0.00%
2014 2015 2016 2017 2018 2014 2015
2016 2017 2018 -0.50% -0.50%
 SCOTIABANK PERU S.A.A.
2015 2016 2017 2018
1275231 1492597 1714134 2209084
37,170,338 38,823,214 41,373,414 46,267,164
3.43% 3.84% 4.14% 4.77%
8.00% 3.50% 3.50% 3.50% 3.50%

7.00%

6.00%

5.00%

4.00%

3.00%

2.00%

1.00%

0.00%
2014 2015 2016 2017 2018
-1.00%

1,069,160 1,186,797 1,294,276 1,620,648

37,170,338 38,823,214 41,373,414 46,267,164
2.88% 3.06% 3.13% 3.50%
8.00% 3.00% 3.00% 3.00% 3.00%
7.00%

6.00%

5.00%

4.00%

3.00%

2.00%

1.00%

0.00%
2014 2015 2016 2017 2018
-1.00%

1,414,418 1,578,178 1,787,565 2,095,009

1,275,231 1,492,597 1,714,134 2,209,084
110.91% 105.73% 104.28% 94.84%
140.00% 100% 100% 100% 100%

120.00%

100.00%

80.00%

60.00%
140.00%

120.00%

100.00%

80.00%

60.00%

40.00%

20.00%

0.00%
2014 2015 2016 2017 2018

6,271,891 7,248,093 8,234,561 8,861,098

57,168,520 55,451,689 57,763,874 63,813,979
10.97% 13.07% 14.26% 13.89%
16.00% 10% 10% 10% 10%
14.00%

12.00%

10.00%

8.00%

6.00%

4.00%

2.00%

0.00%
2014 2015 2016 2017 2018
1,222,689 1,240,926 1,285,827 1,337,425
2,013,903 2,295,584 2,348,721 2,435,871
60.71% 54.06% 54.75% 54.91%
70.00% 50% 50% 50% 50%
60.00%

50.00%

40.00%

30.00%

20.00%

10.00%

0.00%
2014 2015 2016 2017 2018
1,014,033 1,168,387 1,221,021 1,280,650
6,271,891 7,248,093 8,234,561 8,861,098
16.17% 16.12% 14.83% 14.45%
30.00% 23.43% 23.43% 23.43% 23.43%
25.00%

20.00%

15.00%

10.00%
30.00%

25.00%

20.00%

15.00%

10.00%

5.00%

0.00%
2014 2015 2016 2017 2018
-5.00%

1,014,033 1,168,387 1,221,021 1,280,650

57,168,520 55,451,689 57,763,874 63,813,979
1.77% 2.11% 2.11% 2.01%
3.00% 2.26% 2.26% 2.26% 2.26%

2.50%

2.00%

1.50%

1.00%

0.50%

0.00%
2014 2015 2016 2017 2018
-0.50%