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Gestión de Riesgo
Mantener un adecuado funcionamiento y ejecución, las Políticas, Sistemas y Procesos necesarios para una correcta administración, evaluación, y control de los riesgos inherentes a la operatividad financiera.
Indicadores de cumplimiento
Indicador
Fórmula
Parámetro
Limite de préstamo fiduciarios
Concetración crediticia
Suficiencia de reservas para préstamos e ints. incobrables
Cobertura de depósitos
Solvencia patrimonial
Limite de gastos de capacitación
Endeudamiento externo
Créditos fiduciarios por prestamo/patrimonio
Monto de créditos otorgados a un solo prestario/patrimonio
Reserva constituida/ reserva requerida
Total reservas liquidas/total captado (ahorri y plazo fijo)
Patrimonio total activo neto
Gastos de capacitación y entrenamiento (periodo actual y extedentes del anterior)
Prestamos de organismos internacionales en moneda extrengera/patrimonio
<=2%
<=5%
>=100%
>=20%
Minimo 15%
<=10%
<=5 veces el patrimonio
0.04%
0.30%
121.40%
22.43%
47.21%
4.66%
0.00%
0.04%
0.29%
119.57%
24.17%
47.49%
0.51%
0.00%
0.04%
0.29%
116.49%
25.32%
47.96%
1.09%
0.00%
0.04%
0.28%
114.47%
27.58%
49.31%
1.11%
0.00%
0.04%
0.28%
111.89%
34.53%
48.43%
1.13%
0.00%
0.04%
0.27%
107.12%
35.97%
49.08%
1.28%
0.00%
0.04%
0.27%
106.09%
44.26%
49.72%
1.28%
0.00%
0.03%
0.26%
109.37%
55.01%
48.65%
1.29%
0.00%
0.03%
0.26%
113.91%
47.41%
49.81%
1.31%
0.00%
0.03%
0.25%
117.00%
43.78%
50.14%
1.36%
0.00%
0.03%
0.25%
118.15%
39.30%
50.21%
1.39%
0.00%
0.03%
0.25%
104.91%
38.15%
50.46%
1.46%
0.00%
0.03%
0.24%
118.14%
35.10%
51.73%
1.62%
0.00%
0.03%
0.24%
135.07%
38.42%
52.02%
0.22%
0.00%
0.03%
0.24%
137.07%
41.41%
51.97%
0.24%
0.00%
0.03%
0.24%
134.26%
41.43%
51.73%
0.26%
0.00%
0.03%
0.24%
132.78%
41.67%
51.79%
0.33%
0.00%
0.03%
0.24%
130.27%
41.23%
51.81%
0.47%
0.00%
0.03%
0.24%
126.80%
38.56%
52.01%
0.59%
0.00%
0.03%
0.24%
123.61%
35.95%
52.03%
0.68%
0.00%
0.03%
0.24%
120.70%
34.43%
51.82%
0.75%
0.00%
0.03%
0.24%
118.47%
33.05%
51.77%
0.86%
0.00%
0.03%
0.24%
118.61%
33.77%
51.71%
0.96%
0.00%
0.03%
0.24%
118.61%
33.77%
51.71%
0.96%
0.00%
0.03%
0.24%
117.03%
29.87%
53.07%
1.08%
0.00%
0.03%
0.24%
117.01%
30.75%
53.24%
1.43%
0.00%
0.03%
0.20%
117.69%
35.51%
52.93%
0.00%
0.00%
0.03%
0.20%
116.54%
40.20%
52.97%
0.01%
0.00%
0.03%
0.20%
116.24%
42.46%
52.88%
0.03%
0.00%
0.03%
0.20%
112.30%
39.78%
52.88%
0.03%
0.00%
0.03%
0.20%
115.78%
38.88%
52.97%
0.04%
0.00%
0.03%
0.20%
115.05%
36.43%
53.16%
0.04%
0.00%
0.03%
0.20%
113.67%
34.17%
53.17%
0.07%
0.00%
0.03%
0.20%
106.60%
32.13%
52.93%
0.07%
0.00%
0.03%
0.20%
101.76%
29.20%
53.24%
0.07%
0.00%
0.01%
0.09%
101.47%
27.58%
53.31%
0.08%
0.00%
0.02%
0.13%
102.56%
35.54%
54.37%
0.04%
0.00%
0.02%
0.09%
102.68%
34.25%
54.70%
0.52%
0.00%
0.02%
0.14%
105.03%
31.35%
54.58%
0.63%
0.00%
0.02%
0.14%
102.00%
30.19%
54.74%
0.72%
0.00%
0.01%
0.14%
102.13%
28.30%
54.84%
0.88%
0.00%
0.01%
0.15%
105.57%
27.01%
54.96%
1.03%
0.00%
0.01%
0.15%
101.44%
25.68%
55.04%
1.36%
0.00%
0.01%
0.17%
101.44%
25.68%
55.04%
1.36%
0.00%
0.01%
0.15%
105.35%
30.27%
55.53%
0.01%
0.00%
0.01%
0.15%
105.35%
30.27%
55.53%
0.06%
0.0%
Calidad de activos
Indicador
Fórmula
Parámetro
ÍNDICE DE MOROSIDAD MAYOR A 8 DÍAS
ÍNDICE DE MOROSIDAD MAYOR A 30 DÍAS
INCOBRABILIDAD
Créditos en mora Mayor A 8 días. / cartera de réditos
Créditos en mora Mayor A 30 días. / cartera de réditos
Cartera saneada (castigada) / Cartera Promedio
< 10%
< 5%
< 2%
1.07%
0.93%
0.79%
1.06%
0.93%
0.68%
1.28%
1.05%
0.68%
1.15%
1.16%
0.68%
2.12%
1.14%
0.68%
1.97%
1.13%
0.68%
2.10%
1.25%
0.69%
1.74%
1.30%
0.69%
1.59%
1.24%
0.69%
1.55%
1.29%
0.69%
1.41%
1.21%
0.69%
1.48%
1.21%
0.69%
1.53%
1.20%
0.65%
1.10%
0.75%
0.75%
1.14%
0.79%
0.74%
1.11%
0.86%
0.73%
1.27%
0.92%
0.72%
1.23%
0.97%
0.70%
1.42%
1.01%
0.69%
1.34%
1.11%
0.67%
1.42%
1.17%
0.65%
1.44%
1.21%
0.64%
1.40%
1.24%
0.63%
29.87%
53.07%
1.08%
1.18%
1.05%
0.00%
1.35%
1.06%
0.00%
1.58%
1.15%
0.00%
1.54%
1.28%
0.00%
1.69%
1.38%
0.00%
1.83%
1.46%
0.00%
1.78%
1.54%
0.00%
1.36%
1.10%
0.46%
1.26%
1.08%
0.00%
1.41%
1.12%
0.00%
1.44%
1.15%
0.00%
1.89%
1.58%
0.00%
1.50%
1.14%
0.55%
1.57%
1.19%
0.00%
1.61%
1.25%
0.00%
1.98%
1.36%
0.00%
1.85%
1.47%
0.00%
1.85%
1.44%
0.00%
1.90%
1.57%
0.00%
2.18%
1.68%
0.00%
Solvencia
Indicador
Fórmula
Parámetro
PATRIMONIO COMPROMETIDO POR CARTERA EN MORA MAYOR A 8 DÍAS
PATRIMONIO COMPROMETIDO POR CRÉDITOS CLASIFICADOS ADVERSAMENTE MORA MAYOR A 30 DÍAS
Créditos En Mora Mayor A 8 días / Patrimonio
Créditos En Mora Mayor A 30 días / Patrimonio
< 80% de mora promedio primer nivel
< 80% de mora promedio primer nivel
1.84%
1.59%
1.81%
1.58%
2.17%
1.78%
1.89%
1.91%
3.39%
1.83%
3.07%
1.76%
3.14%
1.87%
2.51%
1.88%
2.32%
1.80%
2.27%
1.89%
2.11%
1.80%
2.22%
1.80%
2.26%
1.77%
1.59%
1.16%
1.64%
1.26%
1.61%
1.25%
1.84%
1.33%
1.78%
1.40%
2.08%
1.48%
1.98%
1.64%
2.11%
1.74%
2.15%
1.80%
2.08%
1.84%
2.03%
1.84%
1.70%
1.51%
1.91%
1.51%
2.20%
1.61%
2.14%
1.79%
2.36%
2.09%
2.59%
2.23%
2.54%
1.59%
1.95%
1.59%
1.84%
1.67%
2.06%
0.00%
2.12%
0.00%
2.67%
2.24%
2.11%
1.61%
2.25%
1.70%
2.32%
1.79%
2.87%
1.96%
2.68%
2.14%
2.70%
2.09%
2.74%
2.27%
3.09%
2.38%
Gestión administrativa
Indicador
Fórmula
Parámetro
AUTOSUFICIENCIA OPERATIVA
EFICIENCIA ADMINISTRATIVA (Eficiencia Operativa)
EFICIENCIA SOBRE ACTIVOS PRODUCTIVOS
Productos financieros / (Gastos Financieros + Gastos de Administración
Total Gastos - Depreciaciones Y Amortizaciones / Activos Netos Promedio.
Gastos Administración- Amortización Para Créditos de Dudosa Recaudo. / Activos Productivos Netos Promedio.
>=110%
< 20%
< 15%
149.88%
17.11%
16.43%
158.04%
15.15%
14.56%
150.75%
15.38%
14.66%
155.68%
15.43%
14.62%
161.92%
15.26%
14.45%
162.18%
15.18%
14.32%
162.12%
15.17%
14.25%
162.29%
15.15%
14.25%
160.74%
15.02%
14.09%
160.17%
14.88%
13.97%
159.80%
14.94%
14.07%
159.58%
15.19%
14.40%
156.93%
15.42%
14.73%
172.61%
15.68%
15.68%
169.41%
15.55%
15.49%
170.92%
15.72%
15.42%
175.29%
15.86%
15.42%
175.23%
15.75%
15.29%
176.94%
15.76%
15.26%
179.60%
15.77%
15.27%
179.70%
15.78%
15.25%
180.20%
15.83%
15.18%
180.88%
15.61%
14.98%
183.24%
15.40%
14.76%
161.87%
15.11%
14.65%
170.52%
14.97%
14.49%
168.06%
14.82%
14.35%
165.78%
14.58%
14.25%
165.30%
14.50%
14.17%
162.89%
14.50%
14.14%
161.19%
14.51%
14.17%
159.12%
14.50%
14.19%
160.57%
14.47%
14.18%
162.41%
14.43%
14.16%
163.25%
14.41%
14.15%
Rendimientos y costos
Indicador
Fórmula
Parámetro
RENTABILIDAD SOBRE LOS ACTIVOS PRODUCTIVOS
RENTABILIDAD SOBRE LOS ACTIVOS NETOS PROMEDIO
RENTABILIDAD PATRIMONIAL
Producto Financiero / Activo Productivos Neto Promedio.
Excedentes Del Ejercicio/Activo Neto Promedio.
Excedentes Del Ejercicio/Patrimnio Promedio
> 120% del promedio del sistema del primer nivel
>= a la tasa pasiva promedio pagada por el SBN
Mayor al IPC, Más de 3 puntos Porcentuales
31.52%
9.66%
22.82%
28.10%
8.70%
20.68%
28.29%
8.81%
20.81%
28.64%
9.24%
21.43%
29.00%
9.68%
22.16%
29.17%
9.83%
22.25%
29.51%
10.09%
22.58%
29.74%
10.29%
22.88%
29.52%
10.25%
22.69%
29.58%
10.48%
23.06%
29.65%
10.50%
22.99%
29.51%
10.06%
21.94%
29.21%
9.53%
21.57%
28.01%
10.55%
21.19%
27.85%
10.46%
20.88%
27.73%
11.05%
21.95%
27.73%
11.67%
23.06%
27.52%
10.79%
20.54%
28.20%
10.65%
19.96%
28.34%
10.80%
20.19%
28.53%
11.03%
20.45%
28.55%
10.97%
20.28%
28.49%
10.85%
20.01%
28.55%
10.79%
19.85%
28.57%
10.57%
19.40%
28.57%
10.71%
19.60%
28.55%
10.63%
19.42%