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Jos Alfredo Guerrero

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

32,631.6
47,222.6
17,235.3
3,917.0
6,033.4
3,076.7
3,120.1
1,861.8
1,399.4
83.4
541.5
568.3
53.0
266.1
119,551.0

20.87
15.85
25.19
16.05
23.14
28.11
10.12
21.32
18.21
47.10
58.26
14.99
21.74
33.85

TOTAL

Popular
Reservas
BHD
Scotia
Len
Progreso
Citibank
BDI
BLH
Promerica
Caribe
Banesco
Vimenca
Bancamerica
Total Todos los Bancos

mircoles, 30 de enero de 2013

716,276
356,235
250,110
189,169
172,952
131,531
239
15,826
6,554
79,296
54,414
3,017
8,068
19,100
2,002,787

144,824.2
137,810.8
63,542.7
32,332.5
24,064.1
13,249.5
6,275.2
5,143.5
4,412.4
3,485.1
3,386.8
2,775.4
1,486.1
1,460.5
444,248.7

100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%

32.1%
30.5%
14.1%
7.2%
5.3%
2.9%
1.4%
1.1%
1.0%
0.8%
0.7%
0.6%
0.3%
0.3%
98.4%

112,192.6
90,588.2
46,307.4
28,415.5
18,030.6
10,172.8
3,155.1
3,281.7
3,013.1
3,401.7
2,845.3
2,207.0
1,433.0
1,194.4
332,057.5

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77.5%
65.7%
72.9%
87.9%
74.9%
76.8%
50.3%
63.8%
68.3%
97.6%
84.0%
79.5%
96.4%
81.8%
73.5%

6.71
8.59
8.76
4.44
12.62
16.63
6.02
15.18
11.46
87.79
31.02
7.59
59.73
37.69
20.53

Page 1 of 18

8.74

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

COMERCIAL

Reservas
Popular
BHD
Len
Scotia
Progreso
Citibank
BDI
BLH
Banesco
Caribe
Vimenca
Bancamerica
Promerica
Total Todos los Bancos

50,139
111,530
17,655
8,250
20,940
3,500
105
529
472
244
335
307
428
256
214,690

109,171.1
90,009.1
40,594.8
14,523.3
11,281.2
6,864.7
6,218.9
3,566.6
2,712.1
1,792.5
1,191.2
902.6
761.5
665.3
290,255.0

79.2%
62.2%
63.9%
60.4%
34.9%
51.8%
99.1%
69.3%
61.5%
64.6%
35.2%
60.7%
52.1%
19.1%
65.3%

37.0%
30.5%
13.8%
4.9%
3.8%
2.3%
2.1%
1.2%
0.9%
0.6%
0.4%
0.3%
0.3%
0.2%
98.4%

62,433.6
59,179.8
24,365.6
9,293.1
7,906.9
4,536.0
3,098.8
2,205.7
1,837.6
1,267.3
814.3
900.0
597.2
664.2
182,586.7

57.2%
65.7%
60.0%
64.0%
70.1%
66.1%
49.8%
61.8%
67.8%
70.7%
68.4%
99.7%
78.4%
99.8%
61.9%

46,737.5
30,829.3
16,229.2
5,230.2
3,374.3
2,328.8
3,120.1
1,361.0
874.5
525.2
376.8
2.6
164.3
1.1
112,506.4

14.84
15.87
14.41
16.84
18.91
17.03
10.22
16.22
17.07
13.82
19.44
15.86
22.11
17.77

2.1%
6.9%
5.1%
0.2%
0.2%

56.9%
22.1%
19.9%
1.1%
100.0%

110.2
191.8
70.9
9.9
382.8

22.3%
100.0%
41.1%
100.0%
44.1%

384.3
0.0
101.6
0.0
485.8

9.76
14.75
16.78
15.00

8.27
5.89
6.91
8.09
4.17
7.83
6.02
9.12
9.44
6.89
9.21
33.00
15.72
48.00
15.47

7.25

13.69

7.46

Prstamos Comerciales Pool de Bancos

Len
Banesco
Caribe
BLH
Total Todos los Bancos

mircoles, 30 de enero de 2013

10
1
11
1
23

494.5
191.8
172.5
9.9
868.6

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7.01
0.00
9.14
0.00

Page 2 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamos Comerciales a Travs de Lneas de Crdito

Popular
Len
Progreso
BDI
BHD
BLH
Banesco
Caribe
Vimenca
Bancamerica
Promerica
Reservas
Total Todos los Bancos

mircoles, 30 de enero de 2013

6,682
2,672
1,348
268
407
214
81
176
134
34
7
11
12,034

26,603.3
5,261.7
2,883.7
2,006.3
1,811.7
1,305.6
562.1
486.1
457.0
169.2
13.4
11.0
41,571.1

18.4%
21.9%
21.8%
39.0%
2.9%
29.6%
20.3%
14.4%
30.8%
11.6%
0.4%
0.0%
9.4%

59.6%
11.8%
6.5%
4.5%
4.1%
2.9%
1.3%
1.1%
1.0%
0.4%
0.0%
0.0%
93.2%

18,722.6
3,854.1
2,102.6
1,275.3
0.0
1,305.6
283.8
403.8
457.0
169.2
13.4
11.0
30,643.3

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70.4%
73.2%
72.9%
63.6%
0.0%
100.0%
50.5%
83.1%
100.0%
100.0%
100.0%
100.0%
68.7%

7,880.8
1,407.6
781.1
731.0
1,811.7
0.0
278.3
82.3
0.0
0.0
0.0
0.0
13,981.2

13.08
14.97
15.87
16.05
0.00
16.94
13.06
19.02
15.82
19.97
20.28
60.94

5.38
6.67
5.71
8.99
6.17
0.00
6.45
9.06
0.00
0.00
0.00
0.00
14.07

Page 3 of 18

6.08

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Nmero
Prstamos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamos Comerciales Individuales

Reservas
Popular
BHD
Scotia
Len
Citibank
Progreso
BDI
BLH
Banesco
Promerica
Caribe
Vimenca
Bancamerica
Total Todos los Bancos

39,392
19,188
11,145
3,846
2,856
102
889
223
156
159
219
147
129
16
78,467

107,570.7
60,767.7
37,548.6
9,910.4
8,182.3
6,199.4
3,785.4
1,510.4
1,352.8
1,038.6
646.3
532.6
440.7
143.4
239,629.4

78.1%
42.0%
59.1%
30.7%
34.0%
98.8%
28.6%
29.4%
30.7%
37.4%
18.5%
15.7%
29.7%
9.8%
53.9%

44.6%
25.2%
15.6%
4.1%
3.4%
2.6%
1.6%
0.6%
0.6%
0.4%
0.3%
0.2%
0.2%
0.1%
99.3%

60,848.7
38,804.5
23,714.5
6,586.6
4,877.5
3,079.2
2,301.3
880.4
483.7
791.7
646.3
339.6
440.7
86.7
145,295.6

56.6%
63.9%
63.2%
66.5%
59.6%
49.7%
60.8%
58.3%
35.8%
76.2%
100.0%
63.8%
100.0%
60.4%
60.2%

0.6%
5.1%
0.0%
0.0%

65.3%
34.3%
0.4%
100.0%

143.4
75.2
0.9
219.5

100.0%
100.0%
100.0%
100.0%

46,722.0
21,963.3
13,834.1
3,323.9
3,304.8
3,120.1
1,484.1
630.0
869.1
246.9
0.0
193.0
0.0
56.7
96,083.1

14.72
15.94
13.98
14.04
16.97
10.15
14.75
16.17
16.75
13.86
17.59
20.49
15.82
20.45

8.26
6.03
6.90
4.12
7.72
6.02
7.38
9.26
9.12
7.39
0.00
9.32
0.00
9.21
14.93

Microcrdito a Travs de Lneas de Crdito

Len
Bancamerica
Popular
Total Todos los Bancos

mircoles, 30 de enero de 2013

105
72
12
189

143.4
75.2
0.9
219.5

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19.18
22.20
21.25
20.22

Page 4 of 18

7.32

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Microcrdito Individual

Reservas
Scotia
Bancamerica
Popular
Total Todos los Bancos

4,034
17,092
177
91
21,394

1,508.9
1,350.5
351.8
5.6
3,216.8

1.1%
4.2%
24.1%
0.0%
0.7%

46.9%
42.0%
10.9%
0.2%
100.0%

1,508.9
1,320.4
257.4
5.6
3,092.2

100.0%
97.8%
73.2%
100.0%
96.1%

0.0
30.2
94.4
0.0
124.6

16.44
43.17
21.62
27.83

230.8
75.4
43.0
40.0
22.0
13.1
424.2

1.0%
0.1%
0.0%
0.0%
1.5%
0.3%
0.1%

54.4%
17.8%
10.1%
9.4%
5.2%
3.1%
100.0%

165.3
35.8
27.7
40.0
8.8
7.7
285.2

71.6%
47.5%
64.3%
100.0%
40.0%
58.9%
67.2%

65.5
39.6
15.3
0.0
13.2
5.4
138.9

47.01
68.08
84.00
88.00
93.23
60.00

364.0
137.2
42.0
3.2
0.6
547.0

0.3%
1.0%
0.1%
0.1%
0.0%
0.1%

64.3%
24.2%
7.4%
0.6%
0.1%
96.6%

364.0
79.8
23.8
2.1
0.4
481.6

100.0%
58.2%
56.8%
64.8%
75.9%
85.0%

0.0
57.4
18.2
1.1
0.1
84.7

87.46
84.00
68.42
48.88
84.00

0.00
7.29
10.12
0.00
28.31

9.43

60.77

59.71

85.69

48.93

Tarjetas de Crdito Corporativas

Len
BHD
Reservas
Popular
Bancamerica
BLH
Total Todos los Bancos

1,751
2,156
1,558
1,472
129
94
7,160

63.25
47.95
54.00
0.00
84.00
60.00

Tarjetas de Crdito Empresarial

Popular
Progreso
BHD
Promerica
Reservas
Total Todos los Bancos

mircoles, 30 de enero de 2013

5,390
918
808
28
10
7,154

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0.00
48.00
47.07
48.00
54.00

Page 5 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Tarjetas de Crdito Distribucin/Suplidores

Progreso
Reservas
Popular
Total Todos los Bancos

25
23
148
196

28.9
4.6
1.3
34.8

0.2%
0.0%
0.0%
0.0%

83.1%
13.1%
3.8%
100.0%

28.9
4.6
1.3
34.8

100.0%
100.0%
100.0%
100.0%

48.00
40.46
54.87

48.4
32.4
4.9
3.7
1.9
91.3

0.0%
0.0%
0.3%
0.0%
0.0%
0.0%

51.8%
34.7%
5.2%
4.0%
2.0%
97.7%

48.4
32.4
2.3
3.7
1.9
90.8

100.0%
100.0%
47.0%
100.0%
100.0%
97.2%

0.0
0.0
2.6
0.0
0.0
2.6

666.8
277.0
33.1
26.2
21.5
19.6
2.4
0.0
1,046.7

0.5%
0.4%
0.1%
0.5%
0.2%
0.3%
0.1%
0.0%
0.2%

62.9%
26.1%
3.1%
2.5%
2.0%
1.8%
0.2%
0.0%
98.7%

666.8
277.0
33.1
26.2
21.5
19.6
2.4
0.0
1,060.5

100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%

0.0 41.91 124.00


0.0 40.00
0.00
0.0 99.34
0.00
0.0 28.33
0.00
0.0 76.99
0.00
0.0 20.07
0.00
0.0 23.97
0.00
0.0 100.00
0.00
0.0

47.29

Tarjetas de Crdito Empresarial Flotilla

Popular
Reservas
Vimenca
BHD
Progreso
Total Todos los Bancos

5,083
5,111
44
730
150
11,118

89.66
72.82
33.00
36.10
84.00

0.00
54.00
33.00
0.00
0.00
78.88

33.01

Adelantos en Cuenta Corriente

Popular
BHD
Len
BDI
Progreso
Citibank
Promerica
Banesco
Total Todos los Bancos

mircoles, 30 de enero de 2013

71,725
2,302
809
20
166
3
2
3
75,030

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Page 6 of 18

43.74 124.00

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Arrendamientos Financieros (Leasing)

Popular
BHD
Total Todos los Bancos

311
70
381

1,021.1
47.0
1,068.1

0.7%
0.1%
0.2%

95.6%
4.4%
100.0%

467.6
46.7
514.3

38
2
40

430.4
20.2
450.6

0.3%
0.1%
0.1%

95.5%
4.5%
100.0%

2
2

0.1
0.1

0.0%
0.0%

100.0%
100.0%

0.1
0.1

100.0%
100.0%

35
42
1,390
11
1,478

789.3
72.0
59.5
5.3
926.2

1.2%
0.3%
0.0%
0.1%
0.2%

85.2%
7.8%
6.4%
0.6%
100.0%

264.0
3.9
58.0
5.3
331.3

33.4%
5.4%
97.5%
100.0%
35.8%

45.8%
99.3%
48.2%

553.5
0.3
553.8

14.73
19.62

6.57
10.70
15.17

6.57

Cartas de Crdito Emitidas

Popular
Scotia
Total Todos los Bancos

430.4
20.2
450.6

7.00
7.50
7.02

Cartas de Crditos Confirmadas

BHD
Total Todos los Bancos

72.00
72.00

Descuentos de Facturas

BHD
Len
Popular
BDI
Total Todos los Bancos

mircoles, 30 de enero de 2013

www.scribd.com/JoseAlfredoGuerreroB

525.3
68.1
1.5
0.0
594.9

12.83
30.10
15.97
20.68

5.22
8.00
8.00
0.00
13.71

Page 7 of 18

5.54

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Venta de Bienes Adjudicados

Len
BLH
BDI
Total Todos los Bancos

5
7
7
19

105.6
30.8
18.4
154.8

0.4%
0.7%
0.4%
0.0%

68.2%
19.9%
11.9%
100.0%

105.6
30.8
18.4
154.8

9.49
17.27
12.36

100.0%
100.0%
100.0%
100.0%

11.38

Garantas Otorgadas (Avales, fianzas y Otras Garantas)

Progreso
Total Todos los Bancos

mircoles, 30 de enero de 2013

4
4

6.2
6.2

0.0%
0.0%

100.0%
100.0%

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6.2
6.2

12.00
12.00

Page 8 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

CONSUMO

Popular
BHD
Reservas
Scotia
Len
Progreso
Promerica
Caribe
BDI
BLH
Bancamerica
Vimenca
Banesco
Citibank
Total Todos los Bancos

594,109
229,592
295,598
164,448
162,789
127,565
79,037
53,945
15,105
5,865
18,515
7,693
2,577
134
1,756,972

31,562.2
17,349.6
14,146.9
13,635.6
6,129.8
5,349.4
2,811.1
1,890.7
845.5
779.8
549.8
428.4
382.9
56.3
95,917.9

21.8%
27.3%
10.3%
42.2%
25.5%
40.4%
80.7%
55.8%
16.4%
17.7%
37.6%
28.8%
13.8%
0.9%
21.6%

32.3%
17.8%
14.5%
14.0%
6.3%
5.5%
2.9%
1.9%
0.9%
0.8%
0.6%
0.4%
0.4%
0.1%
98.2%

30,824.2
16,645.1
13,723.7
13,468.6
5,617.9
4,671.4
2,728.8
1,761.1
598.8
602.8
456.9
378.0
372.4
56.3
93,541.6

97.7%
95.9%
97.0%
98.8%
91.6%
87.3%
97.1%
93.1%
70.8%
77.3%
83.1%
88.2%
97.3%
100.0%
95.7%

738.0
704.5
423.2
167.0
511.8
678.1
82.3
129.6
246.8
177.0
93.0
50.5
10.5
0.0
4,183.5

3,271.6
226.0
17.0
2.5
3,536.4

100.0%
100.0%
92.4%
100.0%
100.0%

0.0
0.0
1.4
0.0
1.4

35.50 38.91
44.74 51.61
25.66 43.30
15.15
3.01
38.82 60.69
42.13 47.73
54.35 88.33
83.02 100.02
46.48 55.42
23.60 25.58
54.53 79.01
39.34 61.10
23.55 41.39
4.92
0.00
34.82

49.06

27.38

28.95

Prstamos a Travs de Lneas de Crdito Personales (Crditos Diferidos)

Popular
Promerica
Vimenca
BDI
Total Todos los Bancos

mircoles, 30 de enero de 2013

86,401
2,213
221
29
88,864

3,271.6
226.0
18.4
2.5
3,518.5

2.3%
6.5%
1.2%
0.0%
0.8%

92.5%
6.4%
0.5%
0.1%
99.5%

www.scribd.com/JoseAlfredoGuerreroB

27.19
31.24
28.44
5.48

0.00
0.00
28.95
0.00

Page 9 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamos Personales con Descuento por Nmina

Reservas
Len
Citibank
BLH
Scotia
Promerica
Bancamerica
BDI
Vimenca
Caribe
Progreso
Total Todos los Bancos

66,975
2,632
134
489
76
208
339
190
192
160
480
71,875

5,697.8
470.7
56.3
34.6
30.0
28.5
26.1
25.0
21.2
19.0
10.2
6,419.3

4.1%
2.0%
0.9%
0.8%
0.1%
0.8%
1.8%
0.5%
1.4%
0.6%
0.1%
1.4%

88.8%
7.3%
0.9%
0.5%
0.5%
0.4%
0.4%
0.4%
0.3%
0.3%
0.2%
100.0%

5,697.8
470.7
56.3
33.4
30.0
28.5
26.1
25.0
21.2
19.0
10.2
6,418.1

100.0%
100.0%
100.0%
96.6%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%

0.0
0.0
0.0
1.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2

15.12
16.09
4.92
19.26
7.95
14.14
21.37
10.59
10.81
13.53
28.73

815.1
457.6
343.7
184.2
95.0
48.5
33.1
27.0
6.2
2,028.7

100.0%
100.0%
95.2%
100.0%
100.0%
100.0%
81.8%
100.0%
61.1%
98.6%

0.0
0.0
17.3
0.0
0.0
0.0
7.4
0.0
4.0
28.6

14.94
31.29
12.85
16.21
15.29
11.16
16.57
16.76
17.51

0.00
0.00
0.00
9.84
0.00
0.00
0.00
0.00
0.00
0.00
0.00
15.10

9.84

18.40

7.54

Prstamos Personales con Garanta de Certificados Financieros

Popular
BHD
Reservas
Progreso
Len
Banesco
BDI
Caribe
BLH
Total Todos los Bancos

mircoles, 30 de enero de 2013

3,959
2,094
1,804
553
280
52
71
85
14
8,912

815.1
457.6
361.0
184.2
95.0
48.5
40.5
27.0
10.2
2,039.0

0.6%
0.7%
0.3%
1.4%
0.4%
1.7%
0.8%
0.8%
0.2%
0.5%

39.6%
22.2%
17.5%
9.0%
4.6%
2.4%
2.0%
1.3%
0.5%
99.1%

www.scribd.com/JoseAlfredoGuerreroB

0.00
0.00
7.34
0.00
0.00
0.00
7.51
0.00
8.50

Page 10 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Nmero
Prstamos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamos Personales para Gastos

Popular
BHD
Scotia
Reservas
Progreso
Len
Promerica
BLH
Caribe
BDI
Banesco
Bancamerica
Vimenca
Total Todos los Bancos

192,960
65,784
50,374
20,619
18,792
12,670
7,146
353
4,557
1,089
1,086
2,054
880
378,364

17,396.0
8,941.4
5,419.1
3,252.6
2,829.2
2,056.0
1,111.5
454.9
272.3
195.5
190.3
183.3
163.9
42,465.8

12.0%
14.1%
16.8%
2.4%
21.4%
8.5%
31.9%
10.3%
8.0%
3.8%
6.9%
12.6%
11.0%
9.6%

40.2%
20.7%
12.5%
7.5%
6.5%
4.8%
2.6%
1.1%
0.6%
0.5%
0.4%
0.4%
0.4%
98.2%

17,396.0
8,924.5
5,418.0
3,180.7
2,821.8
2,056.0
1,111.5
352.2
263.5
141.2
190.3
181.2
163.9
42,967.8

100.0%
99.8%
100.0%
97.8%
99.7%
100.0%
100.0%
77.4%
96.8%
72.2%
100.0%
98.8%
100.0%
99.4%

3,895.1
198.1
90.4
18.4
14.5
4,216.5

12.0%
0.1%
0.1%
0.7%
0.3%
0.9%

92.4%
4.7%
2.1%
0.4%
0.3%
100.0%

3,895.1
198.1
90.4
18.4
14.5
4,216.5

100.0%
100.0%
100.0%
100.0%
100.0%
100.0%

0.0
16.9
1.1
71.9
7.4
0.0
0.0
102.7
8.8
54.3
0.0
2.1
0.0
265.2

21.98
34.35
22.19
15.76
20.82
22.88
27.58
14.19
28.06
21.84
22.28
24.49
20.50

0.00
35.33
4.95
8.40
6.14
0.00
0.00
8.97
10.00
8.91
0.00
10.29
0.00
24.19

Prstamos Personales para Solares

Scotia
Popular
BHD
Banesco
BDI
Total Todos los Bancos

mircoles, 30 de enero de 2013

2,733
143
53
29
30
2,988

www.scribd.com/JoseAlfredoGuerreroB

14.70
14.66
20.13
16.48
18.80
14.83

Page 11 of 18

10.44

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamos Personales para Vehculos Nuevos

BHD
Popular
Reservas
Len
Scotia
Banesco
Progreso
BDI
Vimenca
BLH
Bancamerica
Total Todos los Bancos

5,127
3,909
4,477
462
814
95
96
63
16
9
2
15,070

2,543.3
2,376.1
2,100.5
319.0
145.8
70.3
61.4
26.6
14.0
4.3
0.9
7,662.3

4.0%
1.6%
1.5%
1.3%
0.5%
2.5%
0.5%
0.5%
0.9%
0.1%
0.1%
1.7%

32.4%
30.2%
26.7%
4.1%
1.9%
0.9%
0.8%
0.3%
0.2%
0.1%
0.0%
97.5%

2,543.3
2,376.1
2,100.5
319.0
145.8
70.3
60.9
26.6
14.0
4.1
0.9
7,858.2

100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
99.1%
100.0%
100.0%
94.0%
100.0%
100.0%

0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.3
0.0
0.8

30.29
13.35
10.73
13.06
16.64
13.77
13.66
15.74
14.67
18.75
19.11

22.8%
0.1%
1.8%
0.7%
1.2%
0.1%
0.4%
0.2%
0.2%

69.6%
16.2%
7.2%
3.0%
1.7%
1.2%
0.6%
0.5%
100.0%

772.7
179.6
80.4
31.6
18.6
13.4
6.5
5.5
1,108.3

100.0%
100.0%
100.0%
93.7%
100.0%
100.0%
100.0%
100.0%
99.8%

0.0
0.0
0.0
2.1
0.0
0.0
0.0
0.0
2.1

23.47
18.06
13.69
13.11
17.59
17.91
28.01
14.60

0.00
0.00
0.00
0.00
0.00
0.00
6.00
0.00
0.00
9.00
0.00
18.28

6.94

21.40

8.62

Prstamos Personales para Vehculos Usados

Caribe
Popular
BLH
BDI
Vimenca
Len
Bancamerica
Banesco
Total Todos los Bancos

mircoles, 30 de enero de 2013

3,007
346
179
36
35
35
277
8
3,923

772.7
179.6
80.4
33.8
18.6
13.4
6.5
5.5
1,110.4

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0.00
0.00
0.00
8.62
0.00
0.00
0.00
0.00

Page 12 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Tarjetas de Crdito Personales de Alto Lmite (Platino, Infinity, Etc.)

Popular
Len
Progreso
BHD
Reservas
BDI
Bancamerica
Caribe
BLH
Vimenca
Promerica
Banesco
Total Todos los Bancos

mircoles, 30 de enero de 2013

18,792
7,409
6,286
4,698
4,875
1,594
1,312
1,074
1,073
498
251
19
47,881

1,763.7
800.4
620.0
521.4
373.5
168.7
162.8
145.9
104.8
58.8
11.5
1.9
4,733.4

1.2%
3.3%
4.7%
0.8%
0.3%
3.3%
11.1%
4.3%
2.4%
4.0%
0.3%
0.1%
1.1%

34.0%
15.4%
12.0%
10.1%
7.2%
3.3%
3.1%
2.8%
2.0%
1.1%
0.2%
0.0%
91.3%

www.scribd.com/JoseAlfredoGuerreroB

1,219.2
543.0
269.0
336.8
251.2
83.2
92.1
80.0
56.3
39.4
11.5
1.3
3,299.4

69.1%
67.8%
43.4%
64.6%
67.3%
49.3%
56.5%
54.9%
53.7%
66.9%
100.0%
71.3%
63.6%

544.5
257.4
351.0
184.6
122.3
85.5
70.8
65.8
48.5
19.5
0.0
0.5
1,886.1

88.65
52.63
83.38
71.34
78.58
71.20
81.85
83.42
47.70
47.10
16.20
46.72

35.84
56.17
47.98
48.08
46.47
71.86
80.63
83.60
47.95
47.40
0.00
37.12
75.16

Page 13 of 18

49.04

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Tarjetas de Crdito Personales de Mediano Lmite (Oro / Gold)

Popular
BHD
Len
Reservas
Progreso
BDI
Caribe
Vimenca
BLH
Bancamerica
Banesco
Promerica
Total Todos los Bancos

mircoles, 30 de enero de 2013

69,128
31,529
43,534
18,546
7,774
4,042
3,443
2,494
2,596
1,757
428
1,057
186,328

2,963.0
1,713.1
967.7
533.9
412.3
214.9
172.5
101.6
77.7
74.0
34.0
34.0
7,298.8

2.0%
2.7%
4.0%
0.4%
3.1%
4.2%
5.1%
6.8%
1.8%
5.1%
1.2%
1.0%
1.6%

39.7%
23.0%
13.0%
7.2%
5.5%
2.9%
2.3%
1.4%
1.0%
1.0%
0.5%
0.5%
97.8%

www.scribd.com/JoseAlfredoGuerreroB

2,769.5
1,410.3
845.6
426.6
245.9
141.0
136.0
72.0
60.1
61.8
25.0
34.0
6,369.6

93.5%
82.3%
87.4%
79.9%
59.6%
65.6%
78.8%
70.9%
77.4%
83.5%
73.4%
100.0%
85.3%

193.5
302.8
122.1
107.4
166.4
73.9
36.5
29.6
17.6
12.2
9.1
0.0
1,093.9

87.07
76.43
52.94
79.90
82.38
70.34
95.75
80.64
63.38
78.32
67.36
15.21

47.54
53.73
62.41
52.13
47.95
71.64
95.52
71.63
58.72
80.83
41.63
0.00
78.06

Page 14 of 18

56.06

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Tarjetas de Crdito Personales de Pequeo Lmite (Clsica / Standard)

Scotia
BHD
Popular
Reservas
Promerica
Len
Progreso
Caribe
BDI
Bancamerica
Vimenca
Banesco
BLH
Total Todos los Bancos

110,451
112,880
218,471
177,917
68,150
95,177
93,584
36,325
7,961
12,728
3,357
859
1,152
939,012

4,145.6
3,014.7
2,599.1
1,824.0
1,399.0
1,370.7
1,232.1
453.4
123.6
95.8
31.9
14.0
13.0
16,316.8

12.8%
4.7%
1.8%
1.3%
40.1%
5.7%
9.3%
13.4%
2.4%
6.6%
2.1%
0.5%
0.3%
3.7%

25.1%
18.3%
15.7%
11.1%
8.5%
8.3%
7.5%
2.7%
0.7%
0.6%
0.2%
0.1%
0.1%
98.9%

3,979.7
2,814.5
2,599.1
1,719.6
1,316.7
1,248.9
1,079.3
434.9
100.0
87.9
31.9
13.1
10.2
15,611.8

96.0%
93.4%
100.0%
94.3%
94.1%
91.1%
87.6%
95.9%
81.0%
91.8%
100.0%
93.4%
78.0%
94.6%

67.8
36.9
28.0
3.7
0.6
0.4
137.3

0.1%
0.2%
0.8%
0.0%
0.0%
0.0%
0.0%

49.4%
26.9%
20.4%
2.7%
0.4%
0.3%
100.0%

67.8
26.3
28.0
3.7
0.6
0.4
126.7

100.0%
71.3%
100.0%
100.0%
100.0%
100.0%
92.3%

165.9
6.00
3.00
200.2 74.86 53.04
0.0 86.07
0.00
104.4 78.45 60.46
82.3 83.12 88.33
121.8 66.53 67.62
152.7 84.56 49.08
18.5 223.67 210.56
23.5 69.67 71.32
7.9 83.08 80.19
0.0 81.49
0.00
0.9 67.90 41.59
2.9 79.43 69.59
893.7

64.36

53.27

54.79

70.87

Tarjetas de Crdito Personales Flotilla

BHD
Len
Caribe
Reservas
Promerica
Bancamerica
Total Todos los Bancos

mircoles, 30 de enero de 2013

7,427
590
5,294
385
12
46
13,754

www.scribd.com/JoseAlfredoGuerreroB

0.0 36.01
10.6 43.73
0.0 107.18
0.0 70.32
0.0 99.00
0.0 95.98
10.6

0.00
70.87
0.00
0.00
0.00
0.00

Page 15 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

HIPOTECARIOS

Popular
Reservas
Scotia
BHD
Len
Progreso
BLH
BDI
Banesco
Caribe
Vimenca
Bancamerica
Promerica
Total Todos los Bancos

mircoles, 30 de enero de 2013

10,637
10,498
3,781
2,863
1,913
466
217
192
196
134
68
157
3
31,125

23,252.9
14,492.8
7,415.7
5,598.3
3,411.0
1,035.3
920.6
731.3
600.0
305.0
155.0
149.1
8.7
58,075.7

16.1%
10.5%
22.9%
8.8%
14.2%
7.8%
20.9%
14.2%
21.6%
9.0%
10.4%
10.2%
0.2%
13.1%

39.6%
24.7%
12.6%
9.5%
5.8%
1.8%
1.6%
1.2%
1.0%
0.5%
0.3%
0.3%
0.0%
98.8%

22,188.6
14,430.9
7,040.0
5,296.7
3,119.6
965.5
572.7
477.3
567.3
269.9
155.0
140.3
8.7
55,929.2

www.scribd.com/JoseAlfredoGuerreroB

95.4%
99.6%
94.9%
94.6%
91.5%
93.3%
62.2%
65.3%
94.6%
88.5%
100.0%
94.1%
100.0%
95.1%

1,064.3
62.0
375.7
301.6
291.4
69.9
347.9
254.1
32.7
35.1
0.0
8.8
0.0
2,861.2

13.92
10.89
14.58
13.28
13.67
12.34
16.18
13.32
11.98
13.84
12.94
16.48
11.77

8.02
8.86
7.47
8.13
9.61
7.96
9.37
8.56
8.00
10.25
0.00
11.05
0.00
13.13

Page 16 of 18

8.40

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamo para adquisicin de la Vivienda del Deudor

Popular
Reservas
Scotia
Len
BHD
Progreso
BDI
BLH
Banesco
Caribe
Vimenca
Bancamerica
Promerica
Total Todos los Bancos

10,232
10,498
3,781
1,515
1,051
465
180
169
196
134
68
157
3
28,449

22,599.3
14,492.8
7,415.7
2,855.2
2,096.4
1,035.0
678.8
643.6
600.0
305.0
155.0
149.1
8.7
53,034.6

15.6%
10.5%
22.9%
11.9%
3.3%
7.8%
13.2%
14.6%
21.6%
9.0%
10.4%
10.2%
0.2%
11.9%

42.0%
27.0%
13.8%
5.3%
3.9%
1.9%
1.3%
1.2%
1.1%
0.6%
0.3%
0.3%
0.0%
98.7%

21,535.0
14,430.9
7,040.0
2,563.8
1,794.8
965.1
424.8
432.0
567.3
269.9
155.0
140.3
8.7
51,024.3

95.3%
99.6%
94.9%
89.8%
85.6%
93.3%
62.6%
67.1%
94.6%
88.5%
100.0%
94.1%
100.0%
94.9%

1,064.3
62.0
375.7
291.4
301.6
69.9
254.1
211.7
32.7
35.1
0.0
8.8
0.0
2,725.0

13.89
10.89
14.58
13.40
11.78
12.33
13.18
15.91
11.98
13.84
12.94
16.48
11.77

100.0%
100.0%
58.7%
100.0%
100.0%
97.5%

0.0
0.0
33.5
0.0
0.0
33.5

14.69
14.96
17.02
14.42
16.00

8.02
8.86
7.47
9.61
8.13
7.96
8.56
9.14
8.00
10.25
0.00
11.05
0.00
13.01

8.33

14.88

9.12

Prstamo para la Construccin o Remodelacin de la Vivienda del Deudor

Popular
Len
BLH
BDI
Progreso
Total Todos los Bancos

mircoles, 30 de enero de 2013

401
397
29
12
1
840

647.9
551.0
81.1
52.5
0.3
1,333.0

0.4%
2.3%
1.8%
1.0%
0.0%
0.3%

48.6%
41.3%
6.1%
3.9%
0.0%
100.0%

www.scribd.com/JoseAlfredoGuerreroB

647.9
551.0
47.7
52.5
0.3
1,299.5

0.00
0.00
9.12
0.00
0.00

Page 17 of 18

I. RANKING CARTERA DE CREDITOS POR TIPO


31/10/2012
TIPOS DE CRDITOS

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

Prstamo para adquisicin de Segunda Vivienda o Veraneo

BLH
Popular
Len
Total Todos los Bancos

19
4
1
24

195.8
5.7
4.7
206.3

4.4%
0.0%
0.0%
0.0%

93.1
5.7
4.7
103.5

47.5%
100.0%
100.0%
50.2%

3,501.9
3,501.9

100.0%
100.0%

95.0%
2.7%
2.3%
100.0%

102.7
0.0
0.0
102.7

17.01
15.16
12.95

9.94
0.00
0.00
16.72

Prstamo para la Construccin o Remodelacin de 2da Vivienda o Veraneo

BHD
Total Todos los Bancos

1,812
1,812

3,501.9
3,501.9

5.5%
0.8%

100.0%
100.0%

14.05
14.05

Fuente: Datos tomados del Portal de la Superintendencia de Bancos www.sb.gov.do y procesados en base datos Access de Jos Alfredo Guerrero.
31/10/2012 Tasa Cambio: 39.6389

mircoles, 30 de enero de 2013

www.scribd.com/JoseAlfredoGuerreroB

Page 18 of 18

9.94

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Microcrdito Individual
Tarjetas de Crdito Corporativas
Tarjetas de Crdito Empresarial
Tarjetas de Crdito Distribucin/Suplidores
Tarjetas de Crdito Empresarial Flotilla
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Nuevos
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
Tarjetas de Crdito Personales Flotilla
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

356,235
50,139
11

137,810.8
109,171.1
11.0

100.0%
79.2%
0.0%

30.5%
37.0%
0.0%

90,588.2
62,433.6
11.0

65.7%
57.2%
100.0%

47,222.6
46,737.5
0.0

15.85
14.84
60.94

8.59
8.27
0.00

20.53
15.47
14.07

8.74
7.25
6.08

39,392
4,034
1,558
10
23
5,111
295,598
66,975

107,570.7
1,508.9
43.0
0.6
4.6
32.4
14,146.9
5,697.8

78.1%
1.1%
0.0%
0.0%
0.0%
0.0%
10.3%
4.1%

44.6%
46.9%
10.1%
0.1%
13.1%
34.7%
14.5%
88.8%

60,848.7
1,508.9
27.7
0.4
4.6
32.4
13,723.7
5,697.8

56.6%
100.0%
64.3%
75.9%
100.0%
100.0%
97.0%
100.0%

46,722.0
0.0
15.3
0.1

8.26
0.00
54.00
54.00
54.00
43.30
0.00

14.93
28.31
60.77
85.69
47.29
78.88
34.82
15.10

7.32
9.43
59.71
48.93

0.0
423.2
0.0

14.72
16.44
84.00
84.00
40.46
72.82
25.66
15.12

1,804

361.0

0.3%

17.5%

343.7

95.2%

17.3

12.85

7.34

18.40

7.54

20,619
4,477
4,875

3,252.6
2,100.5
373.5

2.4%
1.5%
0.3%

7.5%
26.7%
7.2%

3,180.7
2,100.5
251.2

97.8%
100.0%
67.3%

71.9
0.0
122.3

15.76
10.73
78.58

8.40
0.00
46.47

24.19
18.28
75.16

10.44
6.94
49.04

18,546

533.9

0.4%

7.2%

426.6

79.9%

107.4

79.90

52.13

78.06

56.06

177,917

1,824.0

1.3%

11.1%

1,719.6

94.3%

104.4

78.45

60.46

64.36

53.27

385
10,498
10,498

3.7
14,492.8
14,492.8

0.0%
10.5%
10.5%

2.7%
24.7%
27.0%

3.7
14,430.9
14,430.9

100.0%
99.6%
99.6%

0.0
62.0
62.0

70.32
10.89
10.89

0.00
8.86
8.86

54.79
13.13
13.01

70.87
8.40
8.33

www.scribd.com/JoseAlfredoGuerreroB

Page 1 of 14

33.01
49.06
9.84

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Microcrdito a Travs de Lneas de Crdito
Microcrdito Individual
Tarjetas de Crdito Corporativas
Tarjetas de Crdito Empresarial
Tarjetas de Crdito Distribucin/Suplidores
Tarjetas de Crdito Empresarial Flotilla
Adelantos en Cuenta Corriente
Arrendamientos Financieros (Leasing)
Cartas de Crdito Emitidas
Descuentos de Facturas
CONSUMO
Prstamos a Travs de Lneas de Crdito
Personales (Crditos Diferidos)
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Solares
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

716,276
111,530
6,682

144,824.2
90,009.1
26,603.3

100.0%
62.2%
18.4%

32.1%
30.5%
59.6%

112,192.6
59,179.8
18,722.6

77.5%
65.7%
70.4%

32,631.6
30,829.3
7,880.8

20.87
15.87
13.08

19,188
12
91
1,472
5,390
148
5,083
71,725
311
38
1,390
594,109
86,401

60,767.7
0.9
5.6
40.0
364.0
1.3
48.4
666.8
1,021.1
430.4
59.5
31,562.2
3,271.6

42.0%
0.0%
0.0%
0.0%
0.3%
0.0%
0.0%
0.5%
0.7%
0.3%
0.0%
21.8%
2.3%

25.2%
0.4%
0.2%
9.4%
64.3%
3.8%
51.8%
62.9%
95.6%
95.5%
6.4%
32.3%
92.5%

38,804.5
0.9
5.6
40.0
364.0
1.3
48.4
666.8
467.6

63.9%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
100.0%
45.8%

21,963.3

58.0
30,824.2
3,271.6

97.5%
97.7%
100.0%

0.0
0.0
553.5
430.4
1.5
738.0
0.0

15.94
6.03
21.25
27.83
0.00
88.00
0.00
87.46
0.00
54.87
89.66
0.00
41.91 124.00
14.73
6.57
7.00
15.97
8.00
35.50 38.91
27.19
0.00

14.93
7.32
20.22
28.31
9.43
60.77 59.71
85.69 48.93
47.29
78.88 33.01
43.74 124.00
15.17
6.57
7.02
13.71
5.54
34.82 49.06
27.38 28.95

3,959

815.1

0.6%

39.6%

815.1

100.0%

0.0

14.94

0.00

18.40

7.54

192,960
143
3,909
346
18,792

17,396.0
198.1
2,376.1
179.6
1,763.7

12.0%
0.1%
1.6%
0.1%
1.2%

40.2%
4.7%
30.2%
16.2%
34.0%

17,396.0
198.1
2,376.1
179.6
1,219.2

100.0%
100.0%
100.0%
100.0%
69.1%

0.0

0.00
0.00
0.00
35.84

24.19
14.83
18.28
21.40
75.16

10.44

0.0
0.0
544.5

21.98
14.66
13.35
18.06
88.65

69,128

2,963.0

2.0%

39.7%

2,769.5

93.5%

193.5

87.07

47.54

78.06

56.06

218,471

2,599.1

1.8%

15.7%

2,599.1

100.0%

0.0

86.07

0.00

64.36

53.27

10,637

23,252.9

16.1%

39.6%

22,188.6

95.4%

1,064.3

13.92

8.02

13.13

8.40

www.scribd.com/JoseAlfredoGuerreroB

0.0
0.0
0.0

6.71
5.89
5.38

Page 2 of 14

20.53
15.47
14.07

8.74
7.25
6.08

6.94
8.62
49.04

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
Prstamo para adquisicin de la Vivienda del
Deudor
Prstamo para la Construccin o
Remodelacin de la Vivienda del Deudor
Prstamo para adquisicin de Segunda
Vivienda o Veraneo

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

10,232

22,599.3

15.6%

42.0%

21,535.0

95.3%

1,064.3

13.89

8.02

13.01

8.33

401

647.9

0.4%

48.6%

647.9

100.0%

0.0

14.69

0.00

14.88

9.12

5.7

0.0%

2.7%

5.7

100.0%

0.0

15.16

0.00

16.72

9.94

www.scribd.com/JoseAlfredoGuerreroB

Page 3 of 14

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Tarjetas de Crdito Corporativas
Tarjetas de Crdito Empresarial
Tarjetas de Crdito Empresarial Flotilla
Adelantos en Cuenta Corriente
Arrendamientos Financieros (Leasing)
Cartas de Crditos Confirmadas
Descuentos de Facturas
CONSUMO
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Solares
Prstamos Personales para Vehculos Nuevos
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
Tarjetas de Crdito Personales Flotilla
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor
Prstamo para la Construccin o
Remodelacin de 2da Vivienda o Veraneo

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

250,110
17,655
407

63,542.7
40,594.8
1,811.7

100.0%
63.9%
2.9%

14.1%
13.8%
4.1%

46,307.4
24,365.6
0.0

72.9%
60.0%
0.0%

17,235.3
16,229.2
1,811.7

25.19
14.41
0.00

8.76
6.91
6.17

11,145
2,156
808
730
2,302
70
2
35
229,592
2,094

37,548.6
75.4
42.0
3.7
277.0
47.0
0.1
789.3
17,349.6
457.6

59.1%
0.1%
0.1%
0.0%
0.4%
0.1%
0.0%
1.2%
27.3%
0.7%

15.6%
17.8%
7.4%
4.0%
26.1%
4.4%
100.0%
85.2%
17.8%
22.2%

23,714.5
35.8
23.8
3.7
277.0
46.7
0.1
264.0
16,645.1
457.6

63.2%
47.5%
56.8%
100.0%
100.0%
99.3%
100.0%
33.4%
95.9%
100.0%

13,834.1
39.6
18.2
0.0
0.0
0.3

13.98
68.08
68.42
36.10
40.00
19.62
72.00
12.83
44.74
31.29

6.90
47.95
47.07
0.00
0.00
10.70

65,784
53
5,127
4,698

8,941.4
90.4
2,543.3
521.4

14.1%
0.1%
4.0%
0.8%

20.7%
2.1%
32.4%
10.1%

8,924.5
90.4
2,543.3
336.8

99.8%
100.0%
100.0%
64.6%

16.9

35.33

0.0
184.6

34.35
20.13
30.29
71.34

31,529

1,713.1

2.7%

23.0%

1,410.3

82.3%

302.8

112,880

3,014.7

4.7%

18.3%

2,814.5

93.4%

7,427
2,863
1,051

67.8
5,598.3
2,096.4

0.1%
8.8%
3.3%

49.4%
9.5%
3.9%

67.8
5,296.7
1,794.8

100.0%
94.6%
85.6%

1,812

3,501.9

5.5%

100.0%

3,501.9

100.0%

www.scribd.com/JoseAlfredoGuerreroB

525.3
704.5
0.0

5.22
51.61
0.00

20.53
15.47
14.07

8.74
7.25
6.08

14.93
7.32
60.77 59.71
85.69 48.93
78.88 33.01
43.74 124.00
15.17
6.57
72.00
13.71
5.54
34.82 49.06
18.40
7.54
10.44

0.00
48.08

24.19
14.83
18.28
75.16

76.43

53.73

78.06

56.06

200.2

74.86

53.04

64.36

53.27

0.0
301.6
301.6

36.01
13.28
11.78

0.00
8.13
8.13

54.79
13.13
13.01

70.87
8.40
8.33

14.05

Page 4 of 14

14.05

6.94
49.04

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales Individuales
Microcrdito Individual
Cartas de Crdito Emitidas
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales para Gastos
Prstamos Personales para Solares
Prstamos Personales para Vehculos Nuevos
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

189,169
20,940
3,846
17,092
2
164,448
76

32,332.5
11,281.2
9,910.4
1,350.5
20.2
13,635.6
30.0

100.0%
34.9%
30.7%
4.2%
0.1%
42.2%
0.1%

7.2%
3.8%
4.1%
42.0%
4.5%
14.0%
0.5%

28,415.5
7,906.9
6,586.6
1,320.4

87.9%
70.1%
66.5%
97.8%

13,468.6
30.0

98.8%
100.0%

50,374
2,733
814
110,451

5,419.1
3,895.1
145.8
4,145.6

16.8%
12.0%
0.5%
12.8%

12.5%
92.4%
1.9%
25.1%

5,418.0
3,895.1
145.8
3,979.7

100.0%
100.0%
100.0%
96.0%

3,781
3,781

7,415.7
7,415.7

22.9%
22.9%

12.6%
13.8%

7,040.0
7,040.0

94.9%
94.9%

www.scribd.com/JoseAlfredoGuerreroB

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

3,917.0
3,374.3
3,323.9
30.2
20.2
167.0
0.0

16.05
18.91
14.04
43.17

1.1

4.95

0.0
165.9

22.19
14.70
16.64
6.00

375.7
375.7

14.58
14.58

15.15
7.95

4.44
4.17
4.12
7.29
7.50
3.01
0.00

20.53
15.47
14.93
28.31
34.82
15.10

8.74
7.25
7.32
9.43
7.02
49.06
9.84
10.44

0.00
3.00

24.19
14.83
18.28
64.36

7.47
7.47

13.13
13.01

8.40
8.33

Page 5 of 14

6.94
53.27

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales Pool de Bancos
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Microcrdito a Travs de Lneas de Crdito
Tarjetas de Crdito Corporativas
Adelantos en Cuenta Corriente
Descuentos de Facturas
Venta de Bienes Adjudicados
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
Tarjetas de Crdito Personales Flotilla
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor
Prstamo para la Construccin o
Remodelacin de la Vivienda del Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

172,952
8,250
10
2,672

24,064.1
14,523.3
494.5
5,261.7

100.0%
60.4%
2.1%
21.9%

5.3%
4.9%
56.9%
11.8%

18,030.6
9,293.1
110.2
3,854.1

74.9%
64.0%
22.3%
73.2%

6,033.4
5,230.2
384.3
1,407.6

23.14
16.84
9.76
14.97

12.62
8.09
7.01
6.67

2,856
105
1,751
809
42
5
162,789
2,632

8,182.3
143.4
230.8
33.1
72.0
105.6
6,129.8
470.7

34.0%
0.6%
1.0%
0.1%
0.3%
0.4%
25.5%
2.0%

3.4%
65.3%
54.4%
3.1%
7.8%
68.2%
6.3%
7.3%

4,877.5
143.4
165.3
33.1
3.9
105.6
5,617.9
470.7

59.6%
100.0%
71.6%
100.0%
5.4%
100.0%
91.6%
100.0%

3,304.8

7.72

511.8
0.0

16.97
19.18
47.01
99.34
30.10
9.49
38.82
16.09

280

95.0

0.4%

4.6%

95.0

100.0%

0.0

15.29

0.00

18.40

7.54

12,670
462
35
7,409

2,056.0
319.0
13.4
800.4

8.5%
1.3%
0.1%
3.3%

4.8%
4.1%
1.2%
15.4%

2,056.0
319.0
13.4
543.0

100.0%
100.0%
100.0%
67.8%

0.0
0.0
0.0
257.4

22.88
13.06
17.91
52.63

0.00
0.00
0.00
56.17

24.19
18.28
21.40
75.16

10.44
6.94
8.62
49.04

43,534

967.7

4.0%

13.0%

845.6

87.4%

122.1

52.94

62.41

78.06

56.06

95,177

1,370.7

5.7%

8.3%

1,248.9

91.1%

121.8

66.53

67.62

64.36

53.27

590
1,913
1,515

36.9
3,411.0
2,855.2

0.2%
14.2%
11.9%

26.9%
5.8%
5.3%

26.3
3,119.6
2,563.8

71.3%
91.5%
89.8%

10.6
291.4
291.4

43.73
13.67
13.40

70.87
9.61
9.61

54.79
13.13
13.01

70.87
8.40
8.33

397

551.0

2.3%

41.3%

551.0

100.0%

0.0

14.96

0.00

14.88

9.12

www.scribd.com/JoseAlfredoGuerreroB

65.5
0.0
68.1

63.25
0.00
8.00
60.69
0.00

Page 6 of 14

20.53
15.47
13.69
14.07

8.74
7.25
7.46
6.08

14.93
7.32
20.22
60.77 59.71
43.74 124.00
13.71
5.54
11.38
34.82 49.06
15.10
9.84

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
Prstamo para adquisicin de Segunda
Vivienda o Veraneo
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Tarjetas de Crdito Empresarial
Tarjetas de Crdito Distribucin/Suplidores
Tarjetas de Crdito Empresarial Flotilla
Adelantos en Cuenta Corriente
Garantas Otorgadas (Avales, fianzas y Otras
Garantas)
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Nuevos
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor
Prstamo para la Construccin o
Remodelacin de la Vivienda del Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

4.7

0.0%

2.3%

4.7

100.0%

0.0

12.95

0.00

16.72

9.94

131,531
3,500
1,348

13,249.5
6,864.7
2,883.7

100.0%
51.8%
21.8%

2.9%
2.3%
6.5%

10,172.8
4,536.0
2,102.6

76.8%
66.1%
72.9%

3,076.7
2,328.8
781.1

28.11
17.03
15.87

16.63
7.83
5.71

20.53
15.47
14.07

8.74
7.25
6.08

889
918
25
150
166
4

3,785.4
137.2
28.9
1.9
21.5
6.2

28.6%
1.0%
0.2%
0.0%
0.2%
0.0%

1.6%
24.2%
83.1%
2.0%
2.0%
100.0%

2,301.3
79.8
28.9
1.9
21.5

60.8%
58.2%
100.0%
100.0%
100.0%

1,484.1
57.4

14.75
84.00
48.00
84.00
76.99

7.38
48.00
0.00
0.00
12.00

14.93
7.32
85.69 48.93
47.29
78.88 33.01
43.74 124.00
12.00

127,565
480

5,349.4
10.2

40.4%
0.1%

5.5%
0.2%

4,671.4
10.2

87.3%
100.0%

678.1
0.0

42.13
28.73

47.73
0.00

34.82
15.10

49.06
9.84

553

184.2

1.4%

9.0%

184.2

100.0%

0.0

16.21

0.00

18.40

7.54

18,792
96
6,286

2,829.2
61.4
620.0

21.4%
0.5%
4.7%

6.5%
0.8%
12.0%

2,821.8
60.9
269.0

99.7%
99.1%
43.4%

7.4
0.6
351.0

20.82
13.66
83.38

6.14
6.00
47.98

24.19
18.28
75.16

10.44
6.94
49.04

7,774

412.3

3.1%

5.5%

245.9

59.6%

166.4

82.38

47.95

78.06

56.06

93,584

1,232.1

9.3%

7.5%

1,079.3

87.6%

152.7

84.56

49.08

64.36

53.27

466
465

1,035.3
1,035.0

7.8%
7.8%

1.8%
1.9%

965.5
965.1

93.3%
93.3%

69.9
69.9

12.34
12.33

7.96
7.96

13.13
13.01

8.40
8.33

0.3

0.0%

0.0%

0.3

100.0%

0.0

16.00

0.00

14.88

9.12

www.scribd.com/JoseAlfredoGuerreroB

0.0
0.0
6.2

Page 7 of 14

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales Individuales
Adelantos en Cuenta Corriente
CONSUMO
Prstamos Personales con Descuento por
Nmina
TOTAL
COMERCIAL
Prstamos Comerciales Pool de Bancos
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
Tarjetas de Crdito Personales Flotilla
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

239
105
102
3
134
134

6,275.2
6,218.9
6,199.4
19.6
56.3
56.3

100.0%
99.1%
98.8%
0.3%
0.9%
0.9%

1.4%
2.1%
2.6%
1.8%
0.1%
0.9%

3,155.1
3,098.8
3,079.2
19.6
56.3
56.3

50.3%
49.8%
49.7%
100.0%
100.0%
100.0%

3,120.1
3,120.1
3,120.1
0.0
0.0
0.0

10.12
10.22
10.15
20.07
4.92
4.92

6.02
6.02
6.02
0.00
0.00
0.00

54,414
335
11
176

3,386.8
1,191.2
172.5
486.1

100.0%
35.2%
5.1%
14.4%

0.7%
0.4%
19.9%
1.1%

2,845.3
814.3
70.9
403.8

84.0%
68.4%
41.1%
83.1%

541.5
376.8
101.6
82.3

58.26
19.44
16.78
19.02

31.02
9.21
9.14
9.06

20.53
15.47
13.69
14.07

8.74
7.25
7.46
6.08

147
53,945
160

532.6
1,890.7
19.0

15.7%
55.8%
0.6%

0.2%
1.9%
0.3%

339.6
1,761.1
19.0

63.8%
93.1%
100.0%

193.0
129.6
0.0

20.49
9.32
83.02 100.02
13.53
0.00

14.93
34.82
15.10

7.32
49.06
9.84

85

27.0

0.8%

1.3%

27.0

100.0%

0.0

16.76

0.00

18.40

7.54

4,557
3,007
1,074

272.3
772.7
145.9

8.0%
22.8%
4.3%

0.6%
69.6%
2.8%

263.5
772.7
80.0

96.8%
100.0%
54.9%

8.8
0.0
65.8

28.06
23.47
83.42

10.00
0.00
83.60

24.19
21.40
75.16

10.44
8.62
49.04

3,443

172.5

5.1%

2.3%

136.0

78.8%

36.5

95.75

95.52

78.06

56.06

36,325

453.4

13.4%

2.7%

434.9

95.9%

18.5

223.67 210.56

64.36

53.27

5,294
134
134

28.0
305.0
305.0

0.8%
9.0%
9.0%

20.4%
0.5%
0.6%

28.0
269.9
269.9

100.0%
88.5%
88.5%

0.0
35.1
35.1

107.18
13.84
13.84

54.79
13.13
13.01

70.87
8.40
8.33

www.scribd.com/JoseAlfredoGuerreroB

0.00
10.25
10.25

Page 8 of 14

20.53
8.74
15.47
7.25
14.93
7.32
43.74 124.00
34.82 49.06
15.10
9.84

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Adelantos en Cuenta Corriente
Descuentos de Facturas
Venta de Bienes Adjudicados
CONSUMO
Prstamos a Travs de Lneas de Crdito
Personales (Crditos Diferidos)
Prstamos Personales con Descuento por
Nmina
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Solares
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor
Prstamo para la Construccin o
Remodelacin de la Vivienda del Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

15,826
529
268

5,143.5
3,566.6
2,006.3

100.0%
69.3%
39.0%

1.1%
1.2%
4.5%

3,281.7
2,205.7
1,275.3

63.8%
61.8%
63.6%

1,861.8
1,361.0
731.0

21.32
16.22
16.05

15.18
9.12
8.99

223
20
11
7
15,105
29

1,510.4
26.2
5.3
18.4
845.5
2.5

29.4%
0.5%
0.1%
0.4%
16.4%
0.0%

0.6%
2.5%
0.6%
11.9%
0.9%
0.1%

880.4
26.2
5.3
18.4
598.8
2.5

58.3%
100.0%
100.0%
100.0%
70.8%
100.0%

630.0
0.0
0.0

9.26
0.00
0.00

246.8
0.0

16.17
28.33
20.68
12.36
46.48
5.48

55.42
0.00

190

25.0

0.5%

0.4%

25.0

100.0%

0.0

10.59

0.00

15.10

9.84

71

40.5

0.8%

2.0%

33.1

81.8%

7.4

16.57

7.51

18.40

7.54

1,089
30
63
36
1,594

195.5
14.5
26.6
33.8
168.7

3.8%
0.3%
0.5%
0.7%
3.3%

0.5%
0.3%
0.3%
3.0%
3.3%

141.2
14.5
26.6
31.6
83.2

72.2%
100.0%
100.0%
93.7%
49.3%

54.3

8.91
0.00
8.62
71.86

24.19
14.83
18.28
21.40
75.16

10.44

0.0
2.1
85.5

21.84
18.80
15.74
13.11
71.20

4,042

214.9

4.2%

2.9%

141.0

65.6%

73.9

70.34

71.64

78.06

56.06

7,961

123.6

2.4%

0.7%

100.0

81.0%

23.5

69.67

71.32

64.36

53.27

192
180

731.3
678.8

14.2%
13.2%

1.2%
1.3%

477.3
424.8

65.3%
62.6%

254.1
254.1

13.32
13.18

8.56
8.56

13.13
13.01

8.40
8.33

12

52.5

1.0%

3.9%

52.5

100.0%

0.0

14.42

0.00

14.88

9.12

www.scribd.com/JoseAlfredoGuerreroB

Page 9 of 14

20.53
15.47
14.07

8.74
7.25
6.08

14.93
7.32
43.74 124.00
13.71
5.54
11.38
34.82 49.06
27.38 28.95

6.94
8.62
49.04

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales Pool de Bancos
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Tarjetas de Crdito Corporativas
Venta de Bienes Adjudicados
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor
Prstamo para la Construccin o
Remodelacin de la Vivienda del Deudor
Prstamo para adquisicin de Segunda
Vivienda o Veraneo

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

6,554
472
1
214

4,412.4
2,712.1
9.9
1,305.6

100.0%
61.5%
0.2%
29.6%

1.0%
0.9%
1.1%
2.9%

3,013.1
1,837.6
9.9
1,305.6

68.3%
67.8%
100.0%
100.0%

1,399.4
874.5
0.0
0.0

18.21
17.07
15.00
16.94

11.46
9.44
0.00
0.00

20.53
15.47
13.69
14.07

8.74
7.25
7.46
6.08

156
94
7
5,865
489

1,352.8
13.1
30.8
779.8
34.6

30.7%
0.3%
0.7%
17.7%
0.8%

0.6%
3.1%
19.9%
0.8%
0.5%

483.7
7.7
30.8
602.8
33.4

35.8%
58.9%
100.0%
77.3%
96.6%

869.1
5.4

9.12
60.00
25.58
9.84

14.93
60.77
11.38
34.82
15.10

7.32
59.71

177.0
1.2

16.75
60.00
17.27
23.60
19.26

14

10.2

0.2%

0.5%

6.2

61.1%

4.0

17.51

8.50

18.40

7.54

353
9
179
1,073

454.9
4.3
80.4
104.8

10.3%
0.1%
1.8%
2.4%

1.1%
0.1%
7.2%
2.0%

352.2
4.1
80.4
56.3

77.4%
94.0%
100.0%
53.7%

102.7
0.3
0.0
48.5

14.19
18.75
13.69
47.70

8.97
9.00
0.00
47.95

24.19
18.28
21.40
75.16

10.44
6.94
8.62
49.04

2,596

77.7

1.8%

1.0%

60.1

77.4%

17.6

63.38

58.72

78.06

56.06

1,152

13.0

0.3%

0.1%

10.2

78.0%

2.9

79.43

69.59

64.36

53.27

217
169

920.6
643.6

20.9%
14.6%

1.6%
1.2%

572.7
432.0

62.2%
67.1%

347.9
211.7

16.18
15.91

9.37
9.14

13.13
13.01

8.40
8.33

29

81.1

1.8%

6.1%

47.7

58.7%

33.5

17.02

9.12

14.88

9.12

19

195.8

4.4%

95.0%

93.1

47.5%

102.7

17.01

9.94

16.72

9.94

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Page 10 of 14

49.06
9.84

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales Pool de Bancos
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Adelantos en Cuenta Corriente
CONSUMO
Prstamos Personales con Garanta de
Certificados Financieros
Prstamos Personales para Gastos
Prstamos Personales para Solares
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

3,017
244
1
81

2,775.4
1,792.5
191.8
562.1

100.0%
64.6%
6.9%
20.3%

0.6%
0.6%
22.1%
1.3%

2,207.0
1,267.3
191.8
283.8

79.5%
70.7%
100.0%
50.5%

568.3
525.2
0.0
278.3

14.99
13.82
14.75
13.06

7.59
6.89
0.00
6.45

159
3
2,577
52

1,038.6
0.0
382.9
48.5

37.4%
0.0%
13.8%
1.7%

0.4%
0.0%
0.4%
2.4%

791.7
0.0
372.4
48.5

76.2%
100.0%
97.3%
100.0%

246.9
0.0
10.5
0.0

13.86
100.00
23.55
11.16

7.39
0.00
41.39
0.00

1,086
29
95
8
19

190.3
18.4
70.3
5.5
1.9

6.9%
0.7%
2.5%
0.2%
0.1%

0.4%
0.4%
0.9%
0.5%
0.0%

190.3
18.4
70.3
5.5
1.3

100.0%
100.0%
100.0%
100.0%
71.3%

0.0

0.00

0.0
0.0
0.5

22.28
16.48
13.77
14.60
46.72

428

34.0

1.2%

0.5%

25.0

73.4%

9.1

859

14.0

0.5%

0.1%

13.1

93.4%

196
196

600.0
600.0

21.6%
21.6%

1.0%
1.1%

567.3
567.3

94.6%
94.6%

www.scribd.com/JoseAlfredoGuerreroB

20.53
15.47
13.69
14.07

8.74
7.25
7.46
6.08

14.93
7.32
43.74 124.00
34.82 49.06
18.40
7.54
10.44

0.00
0.00
37.12

24.19
14.83
18.28
21.40
75.16

67.36

41.63

78.06

56.06

0.9

67.90

41.59

64.36

53.27

32.7
32.7

11.98
11.98

8.00
8.00

13.13
13.01

8.40
8.33

Page 11 of 14

6.94
8.62
49.04

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Tarjetas de Crdito Empresarial
Adelantos en Cuenta Corriente
CONSUMO
Prstamos a Travs de Lneas de Crdito
Personales (Crditos Diferidos)
Prstamos Personales con Descuento por
Nmina
Prstamos Personales para Gastos
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
Tarjetas de Crdito Personales Flotilla
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

79,296
256
7

3,485.1
665.3
13.4

100.0%
19.1%
0.4%

0.8%
0.2%
0.0%

3,401.7
664.2
13.4

97.6%
99.8%
100.0%

83.4
1.1
0.0

47.10
17.77
20.28

87.79
48.00
0.00

20.53
15.47
14.07

219
28
2
79,037
2,213

646.3
3.2
2.4
2,811.1
226.0

18.5%
0.1%
0.1%
80.7%
6.5%

0.3%
0.6%
0.2%
2.9%
6.4%

646.3
2.1
2.4
2,728.8
226.0

100.0%
64.8%
100.0%
97.1%
100.0%

0.0
1.1
0.0
82.3
0.0

17.59
48.88
23.97
54.35
31.24

0.00
48.00
0.00
88.33
0.00

14.93
7.32
85.69 48.93
43.74 124.00
34.82 49.06
27.38 28.95

208

28.5

0.8%

0.4%

28.5

100.0%

0.0

14.14

0.00

15.10

9.84

7,146
251

1,111.5
11.5

31.9%
0.3%

2.6%
0.2%

1,111.5
11.5

100.0%
100.0%

0.0
0.0

27.58
16.20

0.00
0.00

24.19
75.16

10.44
49.04

1,057

34.0

1.0%

0.5%

34.0

100.0%

0.0

15.21

0.00

78.06

56.06

68,150

1,399.0

40.1%

8.5%

1,316.7

94.1%

82.3

83.12

88.33

64.36

53.27

12
3
3

0.6
8.7
8.7

0.0%
0.2%
0.2%

0.4%
0.0%
0.0%

0.6
8.7
8.7

100.0%
100.0%
100.0%

0.0
0.0
0.0

99.00
11.77
11.77

0.00
0.00
0.00

54.79
13.13
13.01

70.87
8.40
8.33

www.scribd.com/JoseAlfredoGuerreroB

Page 12 of 14

8.74
7.25
6.08

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Microcrdito a Travs de Lneas de Crdito
Microcrdito Individual
Tarjetas de Crdito Corporativas
CONSUMO
Prstamos Personales con Descuento por
Nmina
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
Tarjetas de Crdito Personales Flotilla
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

mircoles, 30 de enero de 2013

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

19,100
428
34

1,460.5
761.5
169.2

100.0%
52.1%
11.6%

0.3%
0.3%
0.4%

1,194.4
597.2
169.2

81.8%
78.4%
100.0%

266.1
164.3
0.0

33.85
22.11
19.97

37.69
15.72
0.00

20.53
15.47
14.07

8.74
7.25
6.08

16
72
177
129
18,515
339

143.4
75.2
351.8
22.0
549.8
26.1

9.8%
5.1%
24.1%
1.5%
37.6%
1.8%

0.1%
34.3%
10.9%
5.2%
0.6%
0.4%

86.7
75.2
257.4
8.8
456.9
26.1

60.4%
100.0%
73.2%
40.0%
83.1%
100.0%

56.7

9.21
10.12
84.00
79.01
0.00

14.93
20.22
28.31
60.77
34.82
15.10

7.32

94.4
13.2
93.0
0.0

20.45
22.20
21.62
93.23
54.53
21.37

9.43
59.71
49.06
9.84

2,054
2
277
1,312

183.3
0.9
6.5
162.8

12.6%
0.1%
0.4%
11.1%

0.4%
0.0%
0.6%
3.1%

181.2
0.9
6.5
92.1

98.8%
100.0%
100.0%
56.5%

2.1
0.0
0.0
70.8

24.49
19.11
28.01
81.85

10.29
0.00
0.00
80.63

24.19
18.28
21.40
75.16

10.44
6.94
8.62
49.04

1,757

74.0

5.1%

1.0%

61.8

83.5%

12.2

78.32

80.83

78.06

56.06

12,728

95.8

6.6%

0.6%

87.9

91.8%

7.9

83.08

80.19

64.36

53.27

46
157
157

0.4
149.1
149.1

0.0%
10.2%
10.2%

0.3%
0.3%
0.3%

0.4
140.3
140.3

100.0%
94.1%
94.1%

0.0
8.8
8.8

95.98
16.48
16.48

0.00
11.05
11.05

54.79
13.13
13.01

70.87
8.40
8.33

www.scribd.com/JoseAlfredoGuerreroB

Page 13 of 14

II. CARTERA DE CREDITOS POR BANCO Y TIPO DE CREDITO


31/10/2012
TIPOS
DE CRDITOS
TOTAL
COMERCIAL
Prstamos Comerciales a Travs de Lneas de
Crdito
Prstamos Comerciales Individuales
Tarjetas de Crdito Empresarial Flotilla
CONSUMO
Prstamos a Travs de Lneas de Crdito
Personales (Crditos Diferidos)
Prstamos Personales con Descuento por
Nmina
Prstamos Personales para Gastos
Prstamos Personales para Vehculos Nuevos
Prstamos Personales para Vehculos Usados
Tarjetas de Crdito Personales de Alto Lmite
(Platino, Infinity, Etc.)
Tarjetas de Crdito Personales de Mediano
Lmite (Oro / Gold)
Tarjetas de Crdito Personales de Pequeo
Lmite (Clsica / Standard)
HIPOTECARIOS
Prstamo para adquisicin de la Vivienda del
Deudor

Nmero
Prstamos

Saldo Cap. y Part. % Cartera del:


MM RD$
Banco Total Bcos

Saldo Mn y % por
Tipo en Bco

Saldo ME
(MM RD$)

Tasa Inters Banco y Total BM


Mn
Me
Mn
Me

8,068
307
134

1,486.1
902.6
457.0

100.0%
60.7%
30.8%

0.3%
0.3%
1.0%

1,433.0
900.0
457.0

96.4%
99.7%
100.0%

53.0
2.6
0.0

21.74
15.86
15.82

59.73
33.00
0.00

20.53
15.47
14.07

8.74
7.25
6.08

129
44
7,693
221

440.7
4.9
428.4
18.4

29.7%
0.3%
28.8%
1.2%

0.2%
5.2%
0.4%
0.5%

440.7
2.3
378.0
17.0

100.0%
47.0%
88.2%
92.4%

0.0
2.6
50.5
1.4

15.82
33.00
39.34
28.44

0.00
33.00
61.10
28.95

14.93
78.88
34.82
27.38

7.32
33.01
49.06
28.95

192

21.2

1.4%

0.3%

21.2

100.0%

0.0

10.81

0.00

15.10

9.84

880
16
35
498

163.9
14.0
18.6
58.8

11.0%
0.9%
1.2%
4.0%

0.4%
0.2%
1.7%
1.1%

163.9
14.0
18.6
39.4

100.0%
100.0%
100.0%
66.9%

0.0
0.0
0.0
19.5

20.50
14.67
17.59
47.10

0.00
0.00
0.00
47.40

24.19
18.28
21.40
75.16

10.44
6.94
8.62
49.04

2,494

101.6

6.8%

1.4%

72.0

70.9%

29.6

80.64

71.63

78.06

56.06

3,357

31.9

2.1%

0.2%

31.9

100.0%

0.0

81.49

0.00

64.36

53.27

68
68

155.0
155.0

10.4%
10.4%

0.3%
0.3%

155.0
155.0

100.0%
100.0%

0.0
0.0

12.94
12.94

0.00
0.00

13.13
13.01

8.40
8.33

Fuente: Datos tomados del Portal de la Superintendencia de Bancos www.sb.gov.do y procesados en base datos Access de Jos Alfredo Guerrero.
31/10/2012 Tasa Cambio: 39.6389

mircoles, 30 de enero de 2013

www.scribd.com/JoseAlfredoGuerreroB

Page 14 of 14

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