Diapos Microempresa

Microempresa Abril 2014
- Banca Minorista -
Inteligencia Comercial
CONTENIDO:
1.- SISTEMA FINANCIERO

2.- INFORMACION POR PLAZAS
3.- MOROSIDAD
4.- TASAS PONDERADAS
SISTEMA FINANCIERO
CREDITO MICROEMPRESA Y PEQUEA EMPRESA
Crditos Microempresa por Tipo de Entidad Financiera

S/. 10,000
10.0%
+9.0%
8,924
S/. 9,000
8.0%
S/. 8,000
6.0%
S/. 7,000
En millones de S/.
S/. 6,000
4.0%
S/. 5,000
+1.3%
S/. 4,000
S/. 3,000
2,745
+0.3%
2.0%
2,379
+0.3%
-0.3%
2,419
0.0%
S/. 2,000
-2.8%
S/. 1,000
760
-2.0%
396
-4.0%
S/. 0
Total
Cajas Municipales
Banca Multiple
Financiera
Cajas Rurales
Edpymes
Los crditos microempresa han presentado un crecimiento de +0.3%.

El crecimiento de las Cajas Rurales se explica por un cambio en el tipo de crdito (de Pequea a
Microempresa) de S/. 52 millones por parte de CRAC Nuestra Gente, sin este efecto, las CRAC
crecieron en 1.5%
Crditos Pequea Empresa por Tipo de Entidad Financiera

S/. 25,000
21,746
+0.9%
+1.6%
2.0%
+1.1%
+0.8%
+0.0%
1.0%
S/. 20,000
0.0%
-1.0%
En millones de S/.
S/. 15,000
13,230
-2.0%
S/. 10,000
-3.0%
-4.0%
4,757
S/. 5,000
2,403
-5.4%
817
324
Cajas Rurales
Edpymes
-5.0%
-6.0%
S/. 0
Total
Banca Multiple
Cajas Municipales
Financiera
Los crditos para pequea empresa han presentado un crecimiento de 0.9%,

Las Cajas Rurales presenta un decrecimiento explicado por un cambio en el tipo de crdito de S/.52
millones por parte de CRAC Nuestra Gente, sin este efecto, las CRAC tiene un crecimiento de 0.5%.
Saldos por Tipo de Entidad

Microempresa
Variacin
Participacin Mercado
Ca tegora
Abr-12
Di c-12
Ma r-13
Abr-13
Vs . M.A.
Vs . Di c12
Abr-12
Di c-12
Ma r-13
Abr-13
Banca Multiple
2,766
2,559
2,448
2,379
(-2.8%)
(-7.0%)
31.0%
27.7%
27.5%
26.7%
Cajas Municipales
2,633
2,843
2,710
2,745
+1.3%
(-3.5%)
29.5%
30.7%
30.5%
30.8%
766
849
697
760
+9.0%
(-10.5%)
8.6%
9.2%
7.8%
8.5%
2,216
2,404
2,425
2,419
(-0.3%)
+0.6%
24.8%
26.0%
27.3%
27.1%
369
393
395
396
+0.3%
+1.0%
4.1%
4.2%
4.4%
4.4%
8,933
9,247
8,898
8,924
+0.3%
(-3.5%)
100%
100%
100%
100%
Cajas Rurales
Financiera
Edpymes
Total
Pequea Empresa
Variacin
Ca tegora
Abr-12
Di c-12
Ma r-13
Abr-13
Vs . M.A.
Vs . Di c12
Abr-12
Di c-12
Ma r-13
Abr-13
Banca Multiple
11,594
12,997
13,083
13,230
+1.1%
+1.8%
61.6%
61.3%
60.7%
60.8%
Cajas Municipales
4,089
4,517
4,683
4,757
+1.6%
+5.3%
21.7%
21.3%
21.7%
21.9%
803
867
864
817
(-5.4%)
(-5.8%)
4.3%
4.1%
4.0%
3.8%
1,889
2,337
2,402
2,403
+0.0%
+2.8%
10.0%
11.0%
11.1%
11.0%
298
333
321
324
+0.8%
(-2.8%)
1.6%
1.6%
1.5%
1.5%
18,810
21,217
21,550
21,746
+0.9%
+2.5%
100%
100%
100%
100%
Cajas Rurales
Financiera
Edpymes
Total
En Microempresa se observa una cada de los saldos de -3.5% desde Dic-12.

En Pequea Empresa se observa un crecimiento de 2.5% en el 2013, teniendo el mayor
crecimiento las Cajas Municipales (+5.3%)
Crditos Microempresa en Banca Mltiple

S/. 2,500
15.0%
2,379
+9.5%
10.0%
S/. 2,000
+5.0%
+3.5%
5.0%
En millones de S/.
S/. 1,500
-1.0%
1,159
S/. 1,000
-2.0%
-2.8%
-2.8%
0.0%
-2.5%
-5.0%
545
-10.5%
S/. 500
217
-10.0%
181
147
79
32
16
B_BIF
B_Interbank
B_Comercio
-15.0%
S/. 0
Total
B_Mibanco
B_Crdito
B_BBVA
B_Financiero B_Scotiabank
En el mes de Abril, los crditos microempresa, considerando solo la Banca Mltiple, han cado en 2.8%.
El BIF presenta el mayor crecimiento, con una cartera de S/.79 millones y con un incremento de
S/.7 millones.
Crditos Pequea Empresa en Banca Mltiple

S/. 14,000
13,230
+1.1%
+2.1%
+0.5%
+0.5%
+0.2%
S/. 12,000
5.0%
+2.4%
+1.8%
-1.0%
0.0%
S/. 10,000
En millones de S/.
-5.0%
S/. 8,000
-10.0%
S/. 6,000
4,885
-15.0%
S/. 4,000
2,867
2,619
-20.6%
1,640
S/. 2,000
549
467
-20.0%
139
50
B_BIF
B_Comercio
-25.0%
S/. 0
Total
B_Crdito
B_Mibanco B_Scotiabank
B_BBVA
B_Financiero B_Interbank
En Abril, los crditos pequea empresa, considerando solo la Banca Mltiple, han crecido en
+1.1%.
El BIF tiene a Abril una cartera de S/.139 millones, y ha tenido una cada de S/. 36 millones.
Banca Mltiple
Microempresa
Variacin
Ra nk
Ca tegora
Abr-12
Di c-12
Ma r-13
Abr-13
Vs . M.A.
Vs . Di c12
Abr-12
Di c-12
Ma r-13
Abr-13
B_Crdito
688
589
560
545
(-2.8%)
(-7.5%)
24.9%
23.0%
22.9%
22.9%
B_BBVA
311
241
242
217
(-10.5%)
(-10.2%)
11.3%
9.4%
9.9%
9.1%
B_Scotiabank
287
182
140
147
+5.0%
(-19.2%)
10.4%
7.1%
5.7%
6.2%
B_Interbank
25
33
31
32
+3.5%
(-4.0%)
0.9%
1.3%
1.3%
1.3%
1,312
1,046
973
941
(-3.4%)
(-10.0%)
47.4%
40.9%
39.8%
39.5%
B. Grande
4
B_Financiero
180
179
183
181
(-1.0%)
+1.1%
6.5%
7.0%
7.5%
7.6%
B_BIF
22
42
72
79
+9.5%
+89.6%
0.8%
1.6%
2.9%
3.3%
B_Comercio
18
19
16
16
(-2.0%)
(-17.1%)
0.7%
0.7%
0.6%
0.7%
B. Mediana
220
239
271
275
+1.7%
+15.0%
7.9%
9.4%
11.1%
11.6%
B_Mibanco
1,230
1,265
1,189
1,159
(-2.5%)
(-8.4%)
44.5%
49.5%
48.6%
48.7%
B. Especializada
1,230
1,265
1,189
1,159
(-2.5%)
(-8.4%)
44.5%
49.5%
48.6%
48.7%
Total
2,766
2,559
2,448
2,379
(-2.8%)
(-7.0%)
100.0%
100.0%
100.0%
100.0%
Dentro de la Banca Mltiple, el BFP tiene un participacin de mercado de 7.6% y se encuentra en el cuarto lugar
de participacin.
Banca Mltiple
Pequea Empresa
Variacin
Ra nk
Ca tegora
Abr-12
Di c-12
Ma r-13
Abr-13
Vs . M.A.
Vs . Di c12
Abr-12
Di c-12
Ma r-13
Abr-13
B_Crdito
4,039
4,712
4,786
4,885
+2.1%
+3.7%
34.8%
36.3%
36.6%
36.9%
B_BBVA
1,487
1,594
1,636
1,640
+0.2%
+2.9%
12.8%
12.3%
12.5%
12.4%
B_Scotiabank
2,272
2,530
2,574
2,619
+1.8%
+3.5%
19.6%
19.5%
19.7%
19.8%
B_Interbank
467
505
464
467
+0.5%
(-7.6%)
4.0%
3.9%
3.5%
3.5%
8,265
9,342
9,460
9,611
+1.6%
+2.9%
71.3%
71.9%
72.3%
72.6%
B. Grande
5
B_Financiero
424
520
536
549
+2.4%
+5.5%
3.7%
4.0%
4.1%
4.2%
B_BIF
130
187
175
139
(-20.6%)
(-25.5%)
1.1%
1.4%
1.3%
1.1%
B_Comercio
64
59
50
50
(-1.0%)
(-14.6%)
0.5%
0.5%
0.4%
0.4%
B. Mediana
617
765
762
738
(-3.1%)
(-3.6%)
5.3%
5.9%
5.8%
5.6%
B_Mibanco
2,702
2,874
2,852
2,867
+0.5%
(-0.2%)
23.3%
22.1%
21.8%
21.7%
B. Especializada
2,702
2,874
2,852
2,867
+0.5%
(-0.2%)
23.3%
22.1%
21.8%
21.7%
Total
11,594
12,997
13,083
13,230
+1.1%
1.8%
100.0%
100.0%
100.0%
100.0%
Para los crditos a pequea empresa, considerando solo la Banca Mltiple, el BFP ha ganado participacin
pasando de 3.7% a 4.12 en los ult. 12 meses.
Top 10 Sistema
Microempresa
Variacin
Ra nk
Ca tegora
Abr-12
Di c-12
Ma r-13
Abr-13
Vs . M.A.
Vs . Di c12
Abr-12
Di c-12
Ma r-13
Abr-13
B_Mibanco
1,230
1,265
1,189
1,159
(-2.5%)
(-8.4%)
13.8%
13.7%
13.4%
13.0%
F_Edyficar
915
1,075
1,122
1,143
+1.9%
+6.3%
10.2%
11.6%
12.6%
12.8%
Cmac_Arequipa
642
699
692
709
+2.4%
+1.4%
7.2%
7.6%
7.8%
7.9%
B_Crdito
688
589
560
545
(-2.8%)
(-7.5%)
7.7%
6.4%
6.3%
6.1%
F_Crediscotia
647
583
483
454
(-6.0%)
(-22.2%)
7.2%
6.3%
5.4%
5.1%
Cmac_Piura
469
497
413
414
+0.2%
(-16.6%)
5.3%
5.4%
4.6%
4.6%
Crac_NstraGente
335
380
314
372
+18.5%
(-2.1%)
3.8%
4.1%
3.5%
4.2%
Cmac_Huancayo
268
319
306
313
+2.3%
(-1.8%)
3.0%
3.4%
3.4%
3.5%
F_Crear
244
281
289
292
+1.1%
+3.9%
2.7%
3.0%
3.2%
3.3%
10
Cmac_Sullana
273
284
271
273
+0.9%
(-3.8%)
3.1%
3.1%
3.0%
3.1%
18
B_Financiero
180
179
183
181
(-1.0%)
+1.1%
2.0%
1.9%
2.1%
2.0%
8,933
9,247
8,898
8,924
+0.3%
(-3.5%)
100%
100%
100%
100%
Total
Para los crditos de microempresa y considerando todo el Sistema Financiero, el BFP ha mantenido una
participacin de mercado en 2.0%. promedio y se ubica en la posicin 18.
Top 10 Sistema
Pequea Empresa
Variacin
Ra nk
Ca tegora
Abr-12
Di c-12
Ma r-13
Abr-13
Vs . M.A.
Vs . Di c12
Abr-12
Di c-12
Ma r-13
Abr-13
B_Crdito
4,039
4,712
4,786
4,885
+2.1%
+3.7%
21.5%
22.2%
22.2%
22.5%
B_Mibanco
2,702
2,874
2,852
2,867
+0.5%
(-0.2%)
14.4%
13.5%
13.2%
13.2%
B_Scotiabank
2,272
2,530
2,574
2,619
+1.8%
+3.5%
12.1%
11.9%
11.9%
12.0%
B_BBVA
1,487
1,594
1,636
1,640
+0.2%
+2.9%
7.9%
7.5%
7.6%
7.5%
Cmac_Arequipa
841
1,028
1,078
1,110
+3.0%
+8.0%
4.5%
4.8%
5.0%
5.1%
F_Crediscotia
932
1,036
913
864
(-5.4%)
(-16.6%)
5.0%
4.9%
4.2%
4.0%
Cmac_Piura
694
714
790
802
+1.6%
+12.4%
3.7%
3.4%
3.7%
3.7%
F_Edyficar
432
638
721
756
+4.9%
+18.4%
2.3%
3.0%
3.3%
3.5%
Cmac_Trujillo
562
579
597
601
+0.5%
+3.7%
3.0%
2.7%
2.8%
2.8%
10
B_Financiero
424
520
536
549
+2.4%
+5.5%
2.3%
2.5%
2.5%
2.5%
18,810
21,217
21,550
21,746
+0.9%
2.5%
100%
100%
100%
100%
Total
Para los crditos a pequea empresa y considerando a todo el Sistema Financiero, el BFP ha mantenido una
participacin de mercado de 2.5% en los ltimos 12 meses y se ubica en la posicin 10.

ZONAS GEOGRAFICAS
Microempresa por Plazas - BFP

BFP Zona Norte
Abr-13
BANCO FINANCIERO
TOTAL ZONA NORTE
LAMBAYEQUE
MOSHOQUEQUE
PERSONAS
% VARIACION BFP
SALD. MILES S/. PART. MCDO.
% VARIACION SISTEMA
SISTEMA VS BFP
Feb-13
Mar-13
Abr-13
ULT 12M
Feb-13
Mar-13
Abr-13
ULT 12M
13,141
57,039
2.8%
(-1.6%)
1.8%
1.0%
1.9%
(-3.2%)
(-0.5%)
1.3%
(-0.3%)
3,836
15,355
4.3%
(-4.2%)
0.9%
(-2.3%)
(-10.9%)
(-1.7%)
(-1.7%)
0.7%
1.4%
786
3,284
5.8%
1.7%
3.6%
(-4.1%)
(-13.8%)
(-0.2%)
(-0.7%)
(-0.7%)
(-0.8%)
1,176
4,939
6.0%
(-9.3%)
(-3.7%)
(-3.0%)
(-1.4%)
(-6.7%)
(-5.5%)
0.5%
6.6%
3,105
12,652
2.2%
(-0.8%)
2.0%
1.2%
38.8%
(-4.6%)
(-0.2%)
1.0%
(-1.4%)
1,090
4,128
1.6%
(-2.2%)
2.0%
(-1.2%)
16.4%
(-4.3%)
(-0.2%)
(-0.7%)
3.0%
996
3,828
3.2%
(-10.1%)
0.9%
(-1.6%)
(-10.0%)
(-4.6%)
0.7%
3.1%
(-4.0%)
1,882
8,832
3.4%
0.2%
1.0%
3.4%
(-6.3%)
(-2.1%)
(-1.5%)
0.6%
(-4.7%)
547
2,704
4.5%
(-0.5%)
5.5%
2.2%
(-16.9%)
(-3.7%)
(-1.6%)
1.6%
(-8.4%)
1,183
5,447
4.8%
1.6%
(-1.1%)
3.1%
17.3%
(-3.5%)
(-1.8%)
(-0.1%)
0.5%
2,043
9,275
2.3%
0.8%
4.4%
8.8%
3.0%
(-4.7%)
0.0%
1.9%
(-0.9%)
CHEPEN
290
968
3.5%
(-10.9%)
12.4%
17.5%
27.8%
(-5.4%)
(-1.4%)
0.5%
(-15.6%)
EL PORVENIR
441
1,773
4.7%
7.5%
(-6.0%)
8.0%
7.5%
(-3.6%)
(-1.0%)
0.9%
(-6.3%)
TRUJILLO
556
2,926
2.6%
(-2.3%)
15.0%
(-5.7%)
(-9.3%)
(-4.6%)
(-0.5%)
(-0.3%)
9.8%
TUMBES
1,265
5,402
6.1%
(-2.4%)
1.2%
1.8%
(-2.4%)
(-6.5%)
(-1.3%)
1.8%
(-2.4%)
CAJAMARCA
1,010
5,523
1.6%
(-1.0%)
2.0%
(-6.3%)
(-2.6%)
(-0.5%)
0.6%
2.0%
4.5%
CHICLAYO
PIURA
PIURA
SULLANA
ANCASH
HUARAZ
CHIMBOTE
LA LIBERTAD
BFP M EJOR ULT 12M ?
El BFP en la Zona Norte presentacin un crecimiento de 1.0% en el mes de Abril y un crecimiento

acumulado de 1.9% en los ltimos 12 meses.
Microempresa por Plazas - BFP

BFP Zona Centro
Abr-13
BANCO FINANCIERO
TOTAL ZONA CENTRO
PERSONAS
% VARIACION BFP
% VARIACION SISTEMA
SISTEMA VS BFP
Feb-13
Mar-13
Abr-13
ULT 12M
Feb-13
Mar-13
Abr-13
ULT 12M
18,246
95,069
3.0%
(-2.7%)
4.7%
(-2.2%)
(-6.7%)
(-1.9%)
(-0.5%)
(-1.6%)
(-1.8%)
LIMA
14,824
78,026
3.1%
(-2.6%)
5.5%
(-3.3%)
(-7.8%)
(-3.2%)
(-0.1%)
(-2.0%)
(-2.8%)
CALLAO
1,926
9,389
6.1%
(-0.3%)
3.4%
6.6%
1.7%
(-2.0%)
(-2.8%)
4.0%
5.5%
JUNIN
1,496
7,654
1.5%
(-5.2%)
(-1.6%)
(-0.6%)
(-4.9%)
4.9%
(-1.9%)
(-1.2%)
0.9%
ICA
1,195
4,910
1.7%
(-1.0%)
(-2.9%)
(-5.4%)
56.3%
(-0.0%)
(-2.8%)
(-2.4%)
2.0%
ICA
615
2,534
2.0%
0.2%
0.2%
(-6.9%)
35.3%
0.8%
(-2.4%)
(-2.6%)
3.6%
CHINCHA
531
2,178
3.0%
3.8%
(-5.4%)
(-3.0%)
136.9%
3.8%
(-2.6%)
(-2.9%)
1.8%
Feb-13
Mar-13
Abr-13
ULT 12M
Feb-13
Mar-13
Abr-13
ULT 12M
3.0%
9.2%
(-0.3%)
49.3%
(-3.5%)
(-0.8%)
1.6%
5.4%
BFP Zona Sur

Abr-13
BANCO FINANCIERO
TOTAL ZONA SUR
PUNO
PERSONAS
% VARIACION BFP
3,768
21,374
1.3%
% VARIACION SISTEMA
SISTEMA VS BFP
1,306
7,207
1.1%
2.9%
6.4%
1.3%
33.3%
(-2.4%)
0.2%
1.5%
9.1%
PUNO
570
3,147
2.6%
11.5%
7.1%
7.6%
74.4%
(-2.7%)
0.0%
4.2%
9.8%
JULIACA
586
3,276
1.3%
(-1.9%)
4.1%
(-2.9%)
32.9%
(-3.9%)
(-0.6%)
(-0.1%)
11.4%
1,306
7,744
1.1%
2.6%
15.1%
(-3.5%)
66.9%
(-4.5%)
(-1.8%)
2.0%
(-0.3%)
CUSCO
607
3,775
0.8%
5.6%
(-5.3%)
(-1.3%)
45.5%
(-1.8%)
0.2%
2.4%
10.5%
TACNA
593
3,313
1.5%
(-1.8%)
10.8%
5.9%
13.0%
(-5.4%)
(-5.0%)
3.1%
3.8%
AREQUIPA
En la Zona Centro, y principalmente en Lima, el BFP present un decrecimiento de -2.2% un

acumulado de -6.7% en los ltimos 12 meses.
En la Zona Sur, el BFP ha tenido un decrecimiento de -0.3% en el mes de Abril, pero un crecimiento
acumulado de 49.3% en los ltimos 12 meses.
Pequea Empresa por Plazas - BFP

BFP Zona Norte
Abr-13
BANCO FINANCIERO
TOTAL ZONA NORTE
SISTEMA VS BFP
Feb-13
Mar-13
Abr-13
ULT 12M
Feb-13
Mar-13
Abr-13
ULT 12M
143,084
3.2%
(-0.1%)
0.9%
3.6%
13.7%
2.0%
0.6%
0.3%
12.6%
1,637
43,011
4.8%
(-0.8%)
(-1.5%)
3.4%
6.3%
1.4%
0.7%
0.2%
16.3%
MOSHOQUEQUE
356
10,613
5.4%
5.6%
1.5%
3.4%
18.1%
1.8%
1.0%
(-2.2%)
4.8%
CHICLAYO
655
17,178
4.7%
(-3.9%)
(-3.8%)
5.7%
26.2%
(-1.3%)
0.7%
0.9%
31.6%
919
27,491
2.8%
(-2.7%)
1.9%
7.5%
25.2%
1.2%
0.2%
0.3%
11.3%
PIURA
369
11,846
2.8%
(-2.9%)
2.2%
21.2%
35.8%
(-0.5%)
(-0.1%)
0.3%
10.6%
SULLANA
341
10,018
4.5%
(-5.5%)
(-2.3%)
3.7%
6.9%
0.9%
(-0.1%)
(-0.4%)
10.7%
973
22,233
3.8%
(-1.0%)
(-0.9%)
2.7%
8.2%
2.0%
0.1%
0.9%
11.6%
318
7,735
4.3%
(-2.7%)
(-3.0%)
6.3%
(-0.2%)
2.2%
(-0.9%)
(-0.1%)
9.9%
PIURA
ANCASH
HUARAZ
CHIMBOTE
% VARIACION SISTEMA
5,544
LAMBAYEQUE
PERSONAS
% VARIACION BFP
582
13,028
4.7%
1.4%
(-0.1%)
1.9%
26.7%
1.4%
0.7%
2.0%
21.9%
1,012
24,665
2.1%
2.4%
1.8%
0.9%
22.2%
2.4%
0.6%
(-0.7%)
9.2%
CHEPEN
93
2,147
3.0%
(-1.8%)
2.0%
10.9%
117.3%
5.9%
0.4%
(-2.8%)
13.2%
EL PORVENIR
149
3,192
3.3%
(-0.8%)
1.3%
4.1%
14.4%
(-0.2%)
(-0.0%)
0.3%
1.3%
TRUJILLO
415
10,149
1.9%
(-1.8%)
3.4%
0.1%
13.5%
0.4%
0.6%
0.4%
20.5%
TUMBES
406
10,476
5.3%
1.0%
3.1%
3.9%
14.2%
(-0.5%)
0.3%
1.5%
11.4%
CAJAMARCA
597
15,207
2.3%
3.0%
5.7%
3.2%
12.2%
4.0%
1.6%
0.9%
17.5%
LA LIBERTAD
El BFP ha tenido un importante crecimiento de 3.6% en Abril, superior al Sistema (0.3%). Las zonas
con mayor crecimiento son Piura (21%) y Chepen (10.9%).
Pequea Empresa por Plazas - BFP

BFP Zona Centro
Abr-13
BANCO FINANCIERO
TOTAL ZONA CENTRO
PERSONAS
% VARIACION BFP
% VARIACION SISTEMA
SISTEMA VS BFP
Feb-13
Mar-13
Abr-13
ULT 12M
Feb-13
Mar-13
Abr-13
ULT 12M
11,803
320,708
3.4%
(-4.3%)
6.6%
1.1%
31.2%
1.0%
(-0.0%)
0.7%
14.4%
10,163
283,416
3.6%
(-4.9%)
7.4%
0.6%
32.6%
0.5%
(-0.2%)
0.6%
14.5%
CALLAO
853
18,849
4.5%
1.6%
0.6%
5.4%
8.5%
(-0.1%)
(-0.5%)
1.3%
9.8%
JUNIN
787
18,444
2.0%
0.4%
1.5%
4.8%
37.4%
5.4%
1.6%
1.2%
16.3%
ICA
627
13,016
2.3%
13.5%
6.5%
3.9%
197.0%
1.3%
0.5%
0.6%
18.6%
ICA
296
7,361
2.8%
7.8%
8.1%
8.9%
157.2%
1.4%
0.2%
0.3%
20.4%
CHINCHA
288
4,935
3.5%
22.8%
4.3%
(-2.6%)
360.9%
3.0%
0.4%
1.1%
9.7%
LIMA
BFP Zona Sur

Abr-13
BANCO FINANCIERO
TOTAL ZONA SUR
PUNO
PERSONAS
% VARIACION BFP
% VARIACION SISTEMA
SISTEMA VS BFP
Feb-13
Mar-13
Abr-13
ULT 12M
Feb-13
Mar-13
Abr-13
ULT 12M
2,337
59,477
1.7%
6.1%
3.5%
6.8%
79.2%
1.8%
1.5%
1.3%
21.6%
760
17,211
1.7%
3.8%
1.4%
4.3%
64.6%
1.6%
1.4%
1.6%
19.6%
PUNO
220
4,787
2.7%
8.5%
6.3%
1.1%
155.2%
2.1%
2.8%
1.6%
20.0%
JULIACA
460
10,675
1.9%
3.5%
0.0%
7.3%
79.6%
0.5%
0.9%
1.2%
28.4%
AREQUIPA
897
26,805
1.5%
8.4%
5.9%
9.3%
79.7%
2.3%
1.5%
1.2%
20.9%
CUSCO
480
13,038
1.3%
5.1%
6.1%
0.8%
84.9%
1.8%
1.6%
1.8%
26.4%
TACNA
397
10,155
1.8%
(-4.5%)
3.4%
3.0%
(-0.7%)
1.2%
1.4%
1.1%
21.1%
En la Zona Centro, el BFP ha tenido un importante crecimiento de 1.1% en Abril versus un 0.7% del
Sistema.
En la Zona Sur, se observa un importante crecimiento de 6.8% versus 1.3% del Sistema.
Ticket Promedio - LIMA

Microempresa
Pequea Empresa
AGENCIA
CREDITO MICROEMPRESA (Exp. S/.)

Dic-12
Mar-13
Abr-13
Total
BFP
Total
BFP
Total
BFP
AGENCIA
CREDITO PEQUEA EMPRESA (Exp. S/.)

Dic-12
Mar-13
Abr-13
Total
BFP
Total
BFP
Total
BFP
AG. CALLAO
6,259
4,531
5,877
5,023
6,367
5,290
8%
5%
AG. CALLAO
58,284
21,439
56,458
21,084
56,725
22,219
0%
5%
AG. CHORRILLOS
9,272
4,454
10,170
7,628
9,650
5,575
(-5%)
(-27%)
AG. CHORRILLOS
67,764
24,948
65,383
29,551
64,545
29,549
(-1%)
(-0%)
AG. COLONIAL
6,570
3,721
6,189
4,738
6,002
4,355
(-3%)
(-8%)
AG. COLONIAL
86,123
21,496
83,733
21,412
71,893
21,990
(-14%)
3%
AG. COMAS
AG. COMAS
Var. Vs. MA
Total BFP
5,572
4,304
5,323
4,438
5,345
4,541
0%
2%
AG. EMANCIPACION 10,304
6,796
9,683
6,802
9,481
6,549
(-2%)
(-4%)
6,410
4,924
5,983
4,774
6,031
4,924
1%
3%
AG. FIORI
AG. SAN HILARION 5,685
5,177
5,408
5,121
5,479
5,159
1%
1%
AG. FIORI
Var. Vs. MA
Total BFP
52,094
25,240
51,392
24,116
51,012
23,990
(-1%)
(-1%)
AG. EMANCIPACION 86,320
31,208
82,331
30,656
82,369
30,796
0%
0%
59,742
27,883
58,039
28,010
58,782
27,857
1%
(-1%)
AG. SAN HILARION 57,296
23,746
54,528
23,191
54,497
23,693
(-0%)
2%
AG. SANTA ANITA
7,652
5,182
6,720
5,553
6,701
5,534
(-0%)
(-0%)
AG. SANTA ANITA
67,913
27,620
65,083
31,811
66,395
31,706
2%
(-0%)
AG. SCHELL
33,915
11,733
39,844
31,047
32,869
29,650
(-18%)
(-4%)
AG. SCHELL
108,493
255,990
119,201
75,752
109,919
69,899
(-8%)
(-8%)
AG. SJM
5,717
4,926
5,640
4,710
5,619
4,699
(-0%)
(-0%)
AG. SJM
51,238
21,999
50,106
22,743
50,523
22,384
1%
(-2%)
AG. VENTANILLA
4,844
3,335
4,719
3,241
4,715
3,917
(-0%)
21%
AG. VENTANILLA
53,694
20,379
52,144
21,846
51,886
20,854
(-0%)
(-5%)
AG. VES
5,977
4,189
5,897
3,773
5,876
3,866
(-0%)
2%
AG. VES
55,230
25,429
53,930
23,421
53,866
22,683
(-0%)
(-3%)
AG. ZARATE
5,730
5,091
5,913
5,350
5,890
5,576
(-0%)
4%
AG. ZARATE
56,083
34,011
55,337
25,349
56,093
24,999
1%
(-1%)
AG. PUENTE PIEDRA 5,858
4,344
5,671
5,146
5,675
5,220
0%
1%
AG. PUENTE PIEDRA 61,495
22,968
59,040
22,692
57,924
22,845
(-2%)
1%
7,005
4,963
6,797
5,270
6,697
5,235
(-1%)
(-1%)
66,293
28,543
64,262
27,538
64,072
27,373
(-0%)
(-1%)
TOTAL GENERAL
TOTAL GENERAL
En la zona Lima, el BFP tiene un ticket microempresa menor al sistema.

Para los crditos de pequea empresa el ticket promedio es de 64,000, el BFP tiene un ticket de
27,000.
Ticket Promedio Microempresa Provincia

Microempresa
Pequea Empresa
AGENCIA
CREDITO MICROEMPRESA (Exp. S/.)

Dic-12
Mar-13
Abr-13
Total
BFP
Total
BFP
Total
BFP
AGENCIA
CREDITO PEQUEA EMPRESA (Exp. S/.)

Dic-12
Mar-13
Abr-13
Total
BFP
Total
BFP
Total
BFP
AG. AREQUIPA
7,002
5,593
6,563
6,148
6,668
5,929
2%
(-4%)
AG. AREQUIPA
55,747
26,399
53,626
28,505
54,550
29,882
2%
5%
AG. CAJAMARCA
5,012
5,419
4,875
5,731
4,930
5,469
AG. CHEPEN
5,380
2,847
5,001
2,881
5,048
3,338
1%
(-5%)
AG. CAJAMARCA
60,174
24,660
58,997
25,449
59,772
25,472
1%
0%
1%
16%
AG. CHEPEN
62,364
23,471
59,717
22,005
60,061
23,088
1%
5%
AG. CHICLAYO
6,635
4,571
5,712
4,241
5,793
4,200
1%
(-1%)
AG. CHICLAYO
76,517
28,584
72,633
25,992
72,906
26,226
0%
1%
AG. CHIMBOTE
5,056
4,255
4,778
4,501
4,696
4,604
(-2%)
2%
AG. CHIMBOTE
62,496
23,292
59,889
22,906
61,053
22,385
2%
(-2%)
AG. CUSCO
5,798
6,485
5,653
AG. HUANCAYO
5,791
5,018
5,532
6,299
5,725
6,219
1%
(-1%)
AG. CUSCO
57,993
26,909
56,909
28,050
57,015
27,163
0%
(-3%)
5,054
5,499
5,116
(-1%)
1%
AG. HUANCAYO
53,896
22,404
53,205
22,238
52,879
23,435
(-1%)
5%
AG. HUARAZ
5,611
4,579
5,376
4,836
5,474
4,943
2%
2%
AG. HUARAZ
63,008
22,091
61,284
22,662
62,016
24,325
1%
7%
AG. PIURA
4,057
4,071
3,869
3,874
3,843
3,787
(-1%)
(-2%)
AG. PIURA
58,768
27,300
58,906
28,323
59,119
32,103
0%
13%
AG. TACNA
AG. TRUJILLO
6,452
4,954
6,039
5,412
6,239
5,586
3%
3%
AG. TACNA
61,169
25,500
57,215
25,078
58,742
25,579
3%
2%
6,875
4,985
6,597
5,465
6,604
5,262
0%
(-4%)
AG. TRUJILLO
74,929
38,601
72,256
24,086
73,020
24,457
1%
2%
AG. PUNO
5,239
5,251
5,083
5,286
5,244
5,520
3%
4%
AG. PUNO
47,745
21,516
45,571
21,922
46,460
21,758
2%
(-1%)
AG. JULIACA
7,441
6,171
7,108
5,788
7,094
5,591
(-0%)
(-3%)
AG. JULIACA
54,694
23,889
52,028
22,461
51,726
23,207
(-1%)
3%
AG. MOSHOQUEQUE 5,895
4,167
5,687
4,270
5,671
4,178
(-0%)
(-2%)
AG. MOSHOQUEQUE74,316
29,746
72,999
29,829
70,692
29,813
(-3%)
(-0%)
AG. EL PORVENIR
4,384
4,052
4,134
3,774
4,123
4,020
(-0%)
7%
AG. EL PORVENIR
62,187
20,355
57,382
20,163
58,397
21,421
2%
6%
AG. ICA
5,632
4,071
5,518
4,413
5,329
4,120
(-3%)
(-7%)
AG. ICA
54,426
22,101
52,719
23,969
52,719
24,868
0%
4%
AG. CHINCHA
5,559
4,765
5,585
4,309
5,278
4,102
(-6%)
(-5%)
AG. CHINCHA
52,050
15,774
51,878
17,115
52,615
17,135
1%
0%
AG. TUMBES
4,121
3,842
3,793
4,140
3,877
4,271
2%
3%
AG. TUMBES
62,112
25,106
57,949
24,842
59,983
25,804
4%
4%
AG. SULLANA
4,715
4,339
4,474
3,947
4,572
3,843
2%
(-3%)
AG. SULLANA
57,850
30,365
58,591
28,504
58,899
29,377
1%
3%
5,722
4,701
5,451
4,799
5,485
4,765
1%
(-1%)
58,886
25,753
56,970
24,919
57,434
25,634
1%
3%
TOTAL
Var. Vs. MA
Total BFP
TOTAL
Var. Vs. MA
Total BFP
En Provincia, el ticket promedio para los crditos microempresa es de 5,500, el BFP tiene un ticket
de 4,750.
Para los crditos de pequea empresa el Sistema Financiero tiene un ticket 57,000, el BFP
mantiene un ticket de 25,600 para pequea empresa.

MOROSIDAD
Microempresa - Evolucin de Mora

Categora
Banca Multiple
B. Financiero
CMAC
CRAC
EDPYME
Financiera
Total
Categora
Banca Multiple
B. Financiero
CMAC
CRAC
EDPYME
Financiera
Total
Nov-12
2.67%
2.99%
6.71%
6.07%
5.55%
4.32%
4.82%
% Cartera Atrasada - Microempresa

Dic-12
Ene-13
Feb-13
Mar-13
2.70%
2.66%
2.74%
3.02%
3.25%
3.20%
3.22%
3.32%
5.56%
6.10%
6.66%
6.72%
5.54%
6.40%
6.57%
6.58%
4.56%
4.57%
5.22%
5.73%
4.27%
4.48%
4.47%
4.82%
4.35%
4.63%
4.87%
5.09%
Abr-13
3.13%
3.45%
6.97%
5.95%
5.74%
4.87%
5.19%
Nov-12
3.73%
3.86%
8.01%
7.65%
6.15%
4.71%
5.80%
% Cartera Pesada - Microempresa

Dic-12
Ene-13
Feb-13
Mar-13
3.77%
3.76%
3.86%
4.09%
4.10%
4.06%
4.12%
4.18%
6.89%
7.39%
7.97%
8.01%
6.89%
7.88%
8.03%
8.03%
5.22%
5.19%
5.78%
6.21%
4.64%
4.95%
4.94%
5.28%
5.32%
5.62%
5.87%
6.06%
Abr-13
4.18%
4.39%
8.22%
7.24%
6.20%
5.32%
6.13%
Pequea Empresa - Evolucin de Mora

Categora
Banca Multiple
B. Financiero
CMAC
CRAC
EDPYME
Financiera
Total
Categora
Banca Multiple
B. Financiero
CMAC
CRAC
EDPYME
Financiera
Total
Nov-12
5.35%
4.02%
8.16%
6.73%
7.39%
5.56%
6.07%
% Cartera Atrasada - Pequea Empresa

Dic-12
Ene-13
Feb-13
Mar-13
5.33%
5.51%
5.72%
6.16%
4.55%
4.87%
5.18%
5.54%
6.93%
7.68%
8.01%
8.30%
6.50%
6.37%
6.48%
6.40%
6.81%
7.33%
7.54%
7.97%
5.48%
6.22%
6.22%
6.76%
5.76%
6.12%
6.34%
6.73%
Abr-13
6.34%
5.77%
8.52%
6.97%
8.36%
6.86%
6.93%
Nov-12
7.49%
5.48%
10.29%
9.40%
8.69%
6.87%
8.13%
% Cartera Pesada - Pequea Empresa

Dic-12
Ene-13
Feb-13
Mar-13
7.45%
7.65%
7.87%
8.26%
5.98%
6.43%
6.79%
7.13%
9.16%
9.88%
10.14%
10.39%
9.07%
8.82%
8.98%
9.04%
8.27%
8.84%
8.80%
8.97%
6.81%
7.39%
7.38%
7.90%
7.82%
8.16%
8.37%
8.73%
Abr-13
8.47%
7.48%
10.57%
9.64%
9.32%
7.93%
8.93%
Microempresa por Plazas - Morosidad

Cartera Atrasada Zona Norte
Dic-12
Cartera Pesada Zona Norte

Mar-13
Abr-13
Dic-12
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
LAMBAYEQUE
SISTEM.

Mar-13
Abr-13
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
LAMBAYEQUE
5.15%
2.85%
5.58%
3.47%
5.78%
3.60%
6.57%
3.24%
6.88%
3.86%
6.81%
4.13%
MOSHOQUEQUE
5.30%
3.13%
5.25%
2.38%
5.25%
1.83%
MOSHOQUEQUE
6.04%
3.70%
6.10%
3.03%
5.85%
2.52%
CHICLAYO
4.65%
2.66%
5.19%
3.86%
5.63%
3.97%
CHICLAYO
5.67%
2.79%
6.27%
4.27%
6.53%
4.35%
6.30%
2.95%
6.69%
3.37%
6.78%
3.38%
7.93%
4.20%
8.27%
4.82%
8.35%
5.02%
PIURA
6.23%
4.92%
6.60%
4.76%
6.98%
4.90%
PIURA
7.61%
7.40%
8.02%
6.98%
8.44%
7.89%
SULLANA
5.33%
1.78%
5.97%
3.56%
5.90%
4.22%
SULLANA
7.34%
2.56%
7.74%
4.91%
7.52%
5.51%
5.82%
4.09%
6.24%
4.45%
6.29%
3.88%
6.96%
4.92%
7.28%
5.72%
7.29%
5.19%
HUARAZ
5.21%
5.16%
5.85%
4.58%
5.66%
3.94%
HUARAZ
6.19%
4.73%
6.48%
5.27%
6.22%
4.34%
CHIMBOTE
CHIMBOTE
PIURA
ANCASH
PIURA
ANCASH
5.55%
3.32%
6.53%
3.82%
6.69%
3.34%
6.80%
4.16%
7.62%
5.34%
7.79%
5.03%
LA LIBERTAD
5.25%
4.04%
5.26%
3.55%
5.16%
3.14%
LA LIBERTAD
6.16%
3.86%
6.50%
4.48%
6.38%
3.98%
CHEPEN
6.07%
5.22%
6.85%
3.49%
6.59%
3.60%
CHEPEN
7.50%
5.23%
8.59%
5.25%
8.16%
5.07%
EL PORVENIR
4.56%
3.86%
4.52%
1.20%
4.86%
2.16%
EL PORVENIR
5.38%
2.14%
5.57%
1.79%
5.92%
2.68%
TRUJILLO
TRUJILLO
5.11%
4.47%
5.46%
3.00%
5.22%
3.03%
6.16%
4.82%
6.47%
4.03%
6.22%
4.15%
TUMBES
5.06%
3.82%
5.71%
4.33%
5.34%
3.73%
TUMBES
6.47%
4.75%
7.16%
6.11%
6.81%
5.56%
CAJAMARCA
4.05%
2.17%
3.95%
2.51%
3.87%
2.83%
CAJAMARCA
4.71%
2.59%
4.69%
3.03%
4.57%
3.31%
Para la Zona Norte, los ratios de cartera atrasada y pesada del BFP se encuentran por debajo del
sistema.
SISTEM.
Microempresa por Plazas - Morosidad

Cartera Atrasada Zona Centro
Cartera Pesada Zona Centro

Dic-12
Mar-13
Abr-13
Dic-12
BFP vs.

Mar-13
Abr-13
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
3.76%
LIMA
5.76%
4.42%
5.79%
4.38%
5.92%
4.77%
6.62%
3.18%
6.93%
5.76%
6.59%
5.70%
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
LIMA
4.71%
3.35%
4.73%
3.48%
4.92%
SISTEM.
CALLAO
5.61%
2.13%
5.86%
3.95%
5.62%
3.99%
CALLAO
JUNIN
4.12%
4.17%
3.80%
3.06%
3.83%
2.56%
JUNIN
4.92%
4.74%
4.56%
3.69%
4.62%
3.17%
ICA
7.25%
0.98%
7.32%
1.44%
7.82%
1.97%
ICA
ICA
6.48%
1.38%
6.51%
1.38%
7.04%
2.25%
ICA
CHINCHA
9.94%
0.46%
9.31%
1.40%
9.86%
1.50%
CHINCHA
Cartera Atrasada Zona Sur

Dic-12
8.76%
1.18%
8.85%
1.78%
9.31%
2.46%
6.48%
1.38%
7.80%
1.69%
8.28%
2.57%
9.94%
0.46%
11.41%
1.80%
12.00%
2.05%
SISTEM.
Cartera Pesada Zona Sur

Mar-13
Abr-13

Dic-12
Mar-13
Abr-13
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
PUNO
SISTEM.
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
PUNO
3.37%
1.77%
4.26%
3.32%
4.38%
3.02%
3.37%
1.77%
3.86%
3.32%
3.99%
3.02%
PUNO
3.53%
1.29%
4.02%
4.02%
4.01%
2.74%
PUNO*
3.53%
1.29%
4.63%
4.02%
4.56%
2.74%
JULIACA
3.34%
1.68%
3.81%
2.65%
4.14%
3.11%
JULIACA*
3.34%
1.68%
4.19%
2.65%
4.50%
3.11%
AREQUIPA
3.99%
1.94%
4.31%
1.20%
4.34%
1.86%
AREQUIPA
3.99%
1.94%
4.90%
1.45%
4.91%
2.23%
CUSCO
3.93%
1.09%
4.11%
1.35%
4.02%
2.46%
CUSCO
3.93%
1.09%
4.62%
1.65%
4.53%
2.75%
TACNA
4.05%
2.83%
4.67%
2.86%
4.73%
2.96%
TACNA
4.05%
2.83%
5.33%
3.91%
5.35%
4.02%
SISTEM.
Para la Zona Centro y Sur, los ratios de cartera atrasada y pesada del BFP se encuentran por debajo
del sistema.
Pequea Empresa por Plazas - Morosidad

Cartera Atrasada Zona Norte
Cartera Pesada Zona Norte

Dic-12
Mar-13
Abr-13
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
LAMBAYEQUE
7.28%
3.43%
8.01%
6.06%
8.52%
6.60%
MOSHOQUEQUE
6.98%
2.44%
7.01%
3.04%
7.68%
3.25%
CHICLAYO
6.73%
2.54%
7.40%
4.62%
7.86%
5.39%
8.22%
4.66%
9.30%
6.99%
9.68%
8.40%
PIURA
7.72%
4.29%
8.73%
8.68%
8.98%
8.65%
SULLANA
7.71%
4.56%
9.45%
5.20%
10.11%
8.51%
PIURA
ANCASH

Dic-12
Mar-13
Abr-13
SISTEM.
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
LAMBAYEQUE
5.15%
2.85%
9.89%
7.74%
10.33%
8.34%
MOSHOQUEQUE
5.30%
3.13%
8.43%
3.45%
9.08%
3.41%
CHICLAYO
4.65%
2.66%
8.98%
7.44%
9.39%
8.06%
6.30%
2.95%
12.21%
10.48%
12.64%
11.86%
PIURA
6.23%
4.92%
11.39%
13.18%
11.69%
12.68%
SULLANA
5.33%
1.78%
12.35%
8.68%
13.06%
12.06%
PIURA
7.65%
6.72%
9.00%
8.18%
9.15%
7.52%
5.82%
4.09%
11.55%
11.28%
11.95%
10.68%
HUARAZ
8.05%
10.28%
9.61%
11.29%
9.68%
9.48%
ANCASH
HUARAZ
5.21%
5.16%
12.46%
14.21%
12.94%
12.22%
CHIMBOTE
6.68%
3.43%
8.90%
6.30%
9.05%
6.47%
CHIMBOTE
5.55%
3.32%
11.13%
9.30%
11.60%
9.67%
LA LIBERTAD
6.68%
4.19%
6.68%
4.77%
7.05%
5.51%
LA LIBERTAD
5.25%
4.04%
9.39%
6.15%
9.81%
6.74%
CHEPEN
7.92%
2.10%
7.54%
1.29%
8.24%
3.49%
CHEPEN
6.07%
5.22%
11.24%
1.79%
11.77%
3.94%
EL PORVENIR
8.43%
6.31%
7.97%
2.98%
8.57%
3.08%
EL PORVENIR
4.56%
3.86%
9.67%
3.02%
10.28%
3.48%
TRUJILLO
5.89%
4.37%
6.19%
6.74%
6.50%
7.09%
TRUJILLO
5.11%
4.47%
9.16%
8.26%
9.56%
8.25%
TUMBES
8.56%
4.09%
9.31%
7.00%
9.59%
6.50%
TUMBES
5.06%
3.82%
12.85%
10.18%
13.18%
11.20%
CAJAMARCA
4.49%
4.43%
5.32%
4.60%
5.64%
4.16%
CAJAMARCA
4.05%
2.17%
6.90%
8.03%
7.15%
7.44%
Para la Zona Norte, los ratios de Cartera Atrasada de las zonas de Tumbes se encuentran por encima
del ratio del mercado.
SISTEM.
Pequea Empresa por Plazas - Morosidad

Cartera Atrasada Zona Centro
Cartera Pesada Zona Centro

Dic-12
Mar-13
Abr-13
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
LIMA
5.78%
3.70%
6.52%
5.59%
6.64%
CALLAO
7.98%
6.90%
7.96%
8.42%
JUNIN
4.83%
4.21%
4.82%
ICA
7.84%
1.19%
8.22%
ICA
6.82%
1.37%
CHINCHA
9.89%
0.71%
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
5.89%
LIMA
7.78%
4.90%
8.53%
6.78%
8.63%
7.22%
7.95%
7.81%
CALLAO
9.60%
8.50%
10.16%
10.40%
10.26%
9.91%
3.65%
4.91%
3.90%
JUNIN
6.60%
3.76%
6.58%
5.02%
6.70%
5.05%
2.77%
8.43%
2.43%
ICA
10.70%
1.69%
11.19%
3.41%
11.32%
3.18%
7.08%
2.47%
7.66%
1.81%
ICA
9.31%
2.44%
9.79%
3.43%
10.49%
3.02%
9.66%
2.67%
9.56%
2.81%
CHINCHA
13.61%
0.53%
13.65%
2.96%
13.16%
2.98%
SISTEM.
Cartera Atrasada Zona Sur

Dic-12

Dic-12
Mar-13
Abr-13
SISTEM.
Cartera Pesada Zona Sur

Mar-13
Abr-13
Dic-12
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
PUNO
SISTEM.

Mar-13
Abr-13
BFP vs.
Zona
TOTAL
BFP
TOTAL
BFP
TOTAL
BFP
PUNO
5.40%
3.00%
5.92%
5.48%
6.05%
5.75%
6.44%
2.35%
7.07%
5.98%
7.19%
6.81%
PUNO
5.03%
2.96%
5.07%
4.92%
5.51%
6.53%
PUNO
6.29%
2.03%
6.20%
5.14%
6.57%
8.05%
JULIACA
5.37%
2.78%
5.97%
4.66%
6.07%
4.37%
JULIACA
6.49%
2.03%
7.19%
5.02%
7.33%
5.04%
AREQUIPA
5.24%
1.16%
5.73%
2.41%
6.00%
2.27%
AREQUIPA
6.18%
1.79%
6.88%
4.30%
7.17%
4.36%
CUSCO
4.83%
3.74%
4.86%
2.47%
4.90%
2.55%
CUSCO
6.04%
3.14%
6.04%
3.45%
6.01%
3.29%
TACNA
4.56%
4.99%
5.58%
4.01%
5.95%
3.67%
TACNA
5.83%
4.95%
7.11%
6.49%
7.49%
6.11%
SISTEM.
Para la Zona Norte, los ratios de Cartera Atrasada de las zonas de Puno se encuentran por encima
del ratio del mercado.

TASA DE INTERES
Tasa de Inters Mayo 2013

Tasa Anual (%)
Mibanco
F. Edyficar
CMAC AREQUIPA
Crediscotia
Financiero
23.50
26.57
25.25
33.04
24.11
14.63
Prstamos hasta 30 das
22.19
61.96
26.49
16.68
Prstamos de 31 a 90 das
26.06
29.12
29.00
39.09
27.09
23.06
29.45
29.36
33.96
23.13
25.42
28.84
29.08
32.98
24.96
Prstamos a ms de 360 das
23.37
25.41
24.73
32.99
24.19
Mibanco
F. Edyficar
CMAC AREQUIPA
Crediscotia
Financiero
34.92
39.14
32.67
43.56
36.92
44.58
Pequeas Empresas
Descuentos
Tasa Anual (%)

Microempresas
Tarjetas de Crdito
Descuentos
12.33
Prstamos Revolventes
28.18
28.54
23.00
Prstamos a cuota fija hasta 30 das
41.21
52.05
46.05
54.00
Prstamos a cuota fija de 31 a 90 das
34.70
48.65
40.51
44.54
38.03
37.47
50.94
40.64
41.39
39.14
43.34
44.43
42.98
45.77
42.23
Prstamos a cuota fija a ms de 360 das
29.71
33.33
32.46
43.38
36.25
*Tasas Activas Anuales de las Operaciones en Moneda Nacional Realizadas en los ltimos 30 Das tiles May13
La tasa de inters ponderada para crditos de pequea empresa del BFP es de 24.11%, estando
por debajo de F. Edyficar, CMAC Arequipa y Crediscotia y por encima de Mi Banco
La tasa de inters ponderada para crditos microempresa del BFP es de 36.92 %, estando por
debajo F. Edyficar y Crediscotia.

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Microempresa Abril 2014

1.- SISTEMA FINANCIERO

Crditos Microempresa por Tipo de Entidad Financiera

Los crditos microempresa han presentado un crecimiento de +0.3%.

Crditos Pequea Empresa por Tipo de Entidad Financiera

Los crditos para pequea empresa han presentado un crecimiento de 0.9%,

Saldos por Tipo de Entidad

En Microempresa se observa una cada de los saldos de -3.5% desde Dic-12.

Crditos Microempresa en Banca Mltiple

Crditos Pequea Empresa en Banca Mltiple

CREDITO MICROEMPRESA Y PEQUEA EMPRESA

Microempresa por Plazas - BFP

SALD. MILES S/. PART. MCDO.

BFP M EJOR ULT 12M ?

El BFP en la Zona Norte presentacin un crecimiento de 1.0% en el mes de Abril y un crecimiento

Microempresa por Plazas - BFP

SALD. MILES S/. PART. MCDO.

BFP M EJOR ULT 12M ?

BFP Zona Sur

SALD. MILES S/. PART. MCDO.

BFP M EJOR ULT 12M ?

En la Zona Centro, y principalmente en Lima, el BFP present un decrecimiento de -2.2% un

Pequea Empresa por Plazas - BFP

SALD. MILES S/. PART. MCDO.

BFP M EJOR ULT 12M ?

Pequea Empresa por Plazas - BFP

SALD. MILES S/. PART. MCDO.

BFP M EJOR ULT 12M ?

BFP Zona Sur

SALD. MILES S/. PART. MCDO.

BFP M EJOR ULT 12M ?

Ticket Promedio - LIMA

CREDITO MICROEMPRESA (Exp. S/.)

CREDITO PEQUEA EMPRESA (Exp. S/.)

AG. EMANCIPACION 10,304

AG. SAN HILARION 5,685

AG. EMANCIPACION 86,320

AG. SAN HILARION 57,296

AG. SANTA ANITA

AG. SANTA ANITA

AG. PUENTE PIEDRA 5,858

AG. PUENTE PIEDRA 61,495

En la zona Lima, el BFP tiene un ticket microempresa menor al sistema.

Ticket Promedio Microempresa Provincia

CREDITO MICROEMPRESA (Exp. S/.)

CREDITO PEQUEA EMPRESA (Exp. S/.)

AG. MOSHOQUEQUE 5,895

CREDITO MICROEMPRESA Y PEQUEA EMPRESA

Microempresa - Evolucin de Mora

% Cartera Atrasada - Microempresa

% Cartera Pesada - Microempresa

Pequea Empresa - Evolucin de Mora

% Cartera Atrasada - Pequea Empresa

% Cartera Pesada - Pequea Empresa

Microempresa por Plazas - Morosidad

Cartera Pesada Zona Norte

% Cartera Atrasada - Microempresa

% Cartera Pesada - Microempresa

Microempresa por Plazas - Morosidad

Cartera Pesada Zona Centro

% Cartera Atrasada - Microempresa

% Cartera Pesada - Microempresa

Cartera Atrasada Zona Sur