|
 |
Estados
Financieros 2006 |
|
 |
| |
| Concepto |
Dic-04 |
Dic-05 |
Dic-06 |
Dic-07 |
Dic-08 |
Jul-09 |
| BALANCE |
|
|
|
|
|
|
| Activos * |
41,012 |
68,236 |
120,108 |
151,098 |
226,923 |
288,168 |
| Colocaciones brutas * |
34,651 |
56,502 |
92,700 |
138,987 |
192,044 |
239,593 |
| Provisiones * |
-1,610 |
-2,358 |
-4,030 |
-5,143 |
-8,410 |
-13,383 |
| Patrimonio neto * |
6,830 |
9,408 |
17,704 |
23,542 |
30,208 |
33,146 |
| |
|
|
|
|
|
|
| CALIDAD DE CARTERA |
|
|
|
|
|
|
| Cartera atrasada sobre cartera bruta |
3.92% |
3.15% |
3.33% |
2.81% |
2.95% |
4.65% |
| Provisiones sobre cartera atrasada |
118.70% |
132.40% |
130.59% |
131.83% |
148.43% |
120.13% |
| Provisiones sobre cartera deteriorada |
111.79% |
122.53% |
119.30% |
123.00% |
147.36% |
119.82% |
| |
|
|
|
|
|
|
| RENTABILIDAD |
|
|
|
|
|
|
| Utilidad neta (Miles de S/.) * |
1,724 |
2,751 |
4,585 |
6,663 |
7,866 |
4,353 |
| Retorno sobre patrimonio |
29.14% |
33.82% |
37.72% |
32.17% |
28.20% |
22.52% |
| Retorno sobre activos |
5.37% |
5.42% |
5.18% |
4.89% |
4.07% |
2.91% |
| (*) Expresado en miles de soles |
|
|
|
|
|
|
| Concepto |
Dic-04 |
Dic-05 |
Dic-06 |
Dic-07 |
Dic-08 |
Jul-09 |
| APALANCAMIENTO |
|
|
|
|
|
|
| Pasivo sobre patrimonio (veces) |
5 |
6.25 |
5.78 |
5.42 |
6.51 |
7.69 |
| |
|
|
|
|
|
|
| CAPITALIZACION |
|
|
|
|
|
|
| Activo sobre patrimonio (veces) |
6 |
7.25 |
6.78 |
6.42 |
7.51 |
8.69 |
| |
|
|
|
|
|
|
| LIQUIDEZ |
|
|
|
|
|
|
| Disponible entre activo |
10.59% |
15.29% |
22.00% |
6.93% |
14.36% |
17.02% |
| Disponible entre cartera bruta |
12.53% |
18.47% |
28.50% |
7.54% |
16.97% |
20.76% |
| Disponible entre pasivo |
12.71% |
17.74% |
25.80% |
8.21% |
16.57% |
19.67% |
| |
|
|
|
|
|
|
| EFICIENCIA |
|
|
|
|
|
|
| Gastos adm. entre ingresos financieros |
40.72% |
39.62% |
34.35% |
36.38% |
38.85% |
41.94% |
| Gastos adm. entre cartera promedio |
17.59% |
15.91% |
13.82% |
13.45% |
13.75% |
14.57% |
| Gastos adm. entre activo promedio |
14.58% |
12.72% |
10.35% |
10.70% |
11.39% |
12.00% |
|
 |
 |
 |
 |
|
Fecha de Actualizacion : Agosto 2005
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