CARATULAGERENCIA DE ESTUDIOS ECONOMICOS Y ESTADISTICAASOCIACION DE BANCOS DEL PERU - ASBANCDEPARTAMENTO DE ESTADISTICAAL 28 DE FEBRERO DE 2015Corresponde a 12 empresas financieras.SE PROHIBE LA REPRODUCCION TOTAL O PARCIAL SIN AUTORIZACION EXPRESA DE ASBANC.

INFORMACION FINANCIERA - EMPRESAS FINANCIERAS

Cuadro 1CUADRO IINFORMACION FINANCIERA - EMPRESAS FINANCIERASDICIEMBRE '02 - FEBRERO '15Feb-15Feb-15Dec-02Dec-03Dec-04Dec-05Dec-06Dec-07Dec-08Dec-09Dec-10Dec-11Dec-12Dec-13Feb-14Mar-14Apr-14May-14Jun-14Jul-14Aug-14Sep-14Oct-14Nov-14Dec-14Jan-15Feb-15Feb-14Jan-15INFORMACION GENERAL0%NUMERO DE FINANCIERAS54334336101011121212121212121212121212121200NUMERO DE OFICINAS (*)5357252835141443053774455768748768778888888888669019048988999019119275116NUMERO DE PERSONAL (*)2,7492,5311,5971,7312,2221,8961,4765,6867,6679,41612,50416,27416,97416,42816,18816,18816,18816,73316,84917,21917,56117,61417,73917,26516,98915-276NUMERO DE CREDITOS719,634877,036900,412928,9961,032,718431,742269,2981,128,4361,375,5401,764,2372,815,5623,365,7613,420,2783,445,7063,473,9653,495,4663,511,6073,528,1983,541,5873,575,7043,594,1323,557,0203,590,3553,592,5303,527,729107,451-64,801CREDITOS COMERCIALES2251494910512334,26700CREDITOS CORPORATIVOS191626223444555667653-1CREDITOS A GRANDES EMPRESAS14515815512111010988788810111211CREDITOS A MEDIANAS EMPRESAS1,1161,4682,7472,7832,7802,8272,8432,8842,8902,8742,8932,8602,9122,9372,9632,9812,9862065CREDITOS A PEQUEAS EMPRESAS52,23970,335123,819156,104154,374157,848159,285160,228161,774158,342159,288160,871165,465166,065167,416168,398168,52114,147123CREDITOS A MICROEMPRESAS41,03042,8530000156,577365,989407,038539,279682,512872,215880,398880,680886,194889,736895,885899,712897,491917,681924,164924,192936,445937,912943,65763,2595,745CREDITOS CONSUMO678,326833,863900,262928,8731,028,656429,283110,442774,09600CREDITOS CONSUMO REVOLVENTES526,670632,6471,385,1131,571,2121,606,7631,617,3331,624,7041,625,8051,627,8071,636,4541,645,7031,652,5051,660,3241,621,0341,637,9781,640,9731,575,617-31,146-65,356CREDITOS CONSUMO NO REVOLVENTES428,679579,082704,673843,485853,120863,193875,113894,402902,574911,481919,136924,998928,404935,539942,696940,210938,07684,956-2,134CREDITOS HIPOTECARIOS531713704281,3662,4583,9334,2972,2962,8372,8133,1293,0553,0443,0223,0093,0022,9872,9862,9762,9742,9683,0183,0603,053-2-7NUMERO DE TARJETAS DE CREDITO DE TITULARES DE CUENTA1,239,7751,071,3661,373,2651,510,5321,669,506893,31333,3661,366,0711,299,1841,340,1451,423,4591,580,6461,613,5311,623,1751,604,9651,599,1911,612,1751,621,7981,635,0471,644,8861,656,0221,629,1601,646,5931,651,6921,473,140-140,391-178,552NUMERO DE TARJETAS DE DEBITO DE TITULARES DE CUENTAN/DN/DN/DN/D000269,840285,244301,860326,977444,296450,052452,361455,250458,354461,491462,784466,389469,541474,531481,036485,948489,778493,44743,3953,669NUMERO TOTAL DE CUENTAS DE DEPOSITOSN/DN/DN/DN/D5,2635,17312814,3961,012,9081,320,9841,645,0262,244,4972,303,9602,335,8862,370,2792,408,7752,441,6172,478,6412,516,5582,552,6842,590,8292,631,3112,665,8942,697,9102,732,357428,39734,4470DEPOSITOS A LA VISTAN/DN/DN/DN/D00092,274269,675534,964801,2851,064,7221,111,7311,136,9191,164,6041,194,7611,221,4081,250,9371,280,7991,307,6951,337,2411,367,5931,396,8601,422,7371,450,834339,10328,097DEPOSITOS DE AHORRON/DN/DN/DN/D21,6390657,306675,743707,613743,6301,046,3311,057,0201,062,6751,068,4621,073,7661,078,1301,083,7021,090,2731,097,8981,105,7211,112,6811,117,2451,123,0281,129,03572,0156,007DEPOSITOS A PLAZON/DN/DN/DN/D5,2613,5341264,81667,49078,407100,111133,444135,209136,292137,213140,248142,079144,002145,486147,091147,867151,037151,789152,145152,48817,279343NUMERO DE CONTRATOS DE ARRENDAMIENTO FINANCIERO000000003,0015,0352,264143132125101959387767472706565282150217Tipo de Cambio Contable S/.:3.5143.4633.2823.4303.1962.9963.1402.8902.8092.6962.5502.7952.8002.8082.8082.7662.7962.7962.8442.8902.9212.9192.9863.0573.093FUENTE: AREAS DE CONTABILIDAD DE LAS EMPRESAS FINANCIERAS(*) A marzo 2014, El dato del nmero de oficinas y personal corresponde a febrero 2014.ELABORACION: DEPARTAMENTO DE ESTADISTICA. ASBANC.

Cuadro 2CUADRO IIINFORMACION FINANCIERA - EMPRESAS FINANCIERASDICIEMBRE '02 - FEBRERO '15Feb-15Feb-15Dec-02Dec-03Dec-04Dec-05Dec-06Dec-07Dec-08Dec-09Dec-10Dec-11Dec-12Dec-13Feb-14Mar-14Apr-14May-14Jun-14Jul-14Aug-14Sep-14Oct-14Nov-14Dec-14Jan-15Feb-15Feb-14Jan-15ACTIVO TOTAL (Mills. S/:)1,2161,2861,0581,4911,8711,1931,0243,9696,0377,73510,33912,24012,65413,42513,62913,77914,02014,24114,28814,40314,75715,00114,89315,09015,20220.14%0.74%CREDITOS DIRECTOS (Mills.S/.)9701,1088981,2271,5549768683,5355,0796,7458,2599,7319,8569,11310,08510,26110,37010,46110,58610,73610,94111,13811,31111,37011,42215.90%0.46%0A) Por Tipo de Crdito0.00%0.00%CREDITOS COMERCIALES1255415800401390.00%0.00%CREDITOS CORPORATIVOS3621216406669991010125534.55%-0.25%CREDITOS A GRANDES EMPRESAS11113911251019891017191919223633235.24%-6.55%CREDITOS A MEDIANAS EMPRESAS40943739924325612327728829130330831232132132532934133.31%3.83%CREDITOS A PEQUEAS EMPRESAS1,1401,5802,4363,0453,0473,0463,2223,2693,3213,3623,4263,4843,6163,7013,7343,7693,78124.12%0.34%CREDITOS MICROEMPRESAS22126200005741,8421,5582,1382,4953,0573,1242,9643,0913,1263,1353,1563,1743,2263,2553,3183,3453,3393,3647.65%0.74%CREDITOS CONSUMO6207818571,1861,4368551281,3461,7602,3482,7203,2913,3332,9553,3993,4843,5293,5443,5743,6083,6423,6913,7923,8083,81314.42%0.13%CREDITOS HIPOTECARIOS412263311812012620865807583822380797978787878798184842.81%-0.27%B) Por Situacin del Crdito0.00%0.00%CRDITOS VIGENTES8771,0318491,1801,4849458463,3184,8266,4467,7819,1089,1878,5099,3939,5509,6429,7129,8179,97010,17310,36910,54210,57410,62515.65%0.48%0CRDITOS REFINANCIADOS Y REESTRUCTURADOS5432221829725862651091161189211912612912913113113313313613613413.68%-1.15%CARTERA ATRASADA3944273041242015919023436850755151257358559962063863463563663266066320.48%0.55%C) Por Tipo de Garanta (En %)CRDITOS CON GARANTASN/DN/DN/DN/DN/DN/DN/DN/D36.92%37.83%44.91%48.32%48.38%49.43%49.99%49.99%50.06%50.21%50.42%50.20%50.13%50.32%50.33%49.67%49.86%1.470.19CRDITOS SIN GARANTASN/DN/DN/DN/DN/DN/DN/DN/D61.39%62.17%55.09%51.68%51.62%50.40%50.01%50.01%49.94%49.79%49.58%49.80%49.87%49.68%49.67%50.33%50.14%-1.47-0.190D) Por Categora de Riesgo del Deudor0.000.00NORMAL86.46%86.42%87.06%89.42%87.99%86.92%95.45%86.38%88.39%89.65%88.53%87.96%87.33%87.17%86.96%87.11%86.96%86.92%86.79%87.10%87.42%87.68%87.95%87.68%87.65%0.32-0.030C.P.P.5.42%5.92%6.01%4.94%4.30%5.23%1.76%4.51%4.42%3.63%3.78%3.49%3.74%3.81%3.99%3.83%3.86%3.83%3.98%3.71%3.54%3.44%3.40%3.46%3.45%-0.28-0.01DEFICIENTE5.80%4.49%3.47%2.39%3.03%3.07%0.84%2.45%1.99%2.05%2.09%2.26%2.33%2.40%2.35%2.37%2.36%2.33%2.11%2.24%2.29%2.19%2.01%2.02%2.15%-0.190.13DUDOSO1.04%1.88%1.69%1.68%3.01%3.02%0.74%3.72%2.58%2.41%2.64%3.03%3.04%3.06%3.15%3.12%3.08%3.07%3.15%3.07%2.87%2.88%2.80%2.84%2.82%-0.22-0.01PERDIDA1.28%1.28%1.76%1.57%1.66%1.77%1.22%2.94%2.61%2.27%2.96%3.26%3.56%3.56%3.54%3.58%3.74%3.85%3.98%3.87%3.88%3.81%3.83%4.01%3.93%0.37-0.08E) Creditos Corporativos, Grandes, Medianas, Pequeas y Microempresas34331678006141,9813,2544,3165,4646,3576,4416,5036,6066,6976,7626,8396,9347,0507,2227,3687,4377,4777,52516.83%0.64%0-0A. Agricultura, Ganadera, Caza y Silvicultura9300001711361783345465445425415385335295225365415445495515551.95%0.61%B. Pesca100000012441714141413141523242424243131118.41%1.53%C. Minera830200021923231918181717171716171717171717-6.12%1.12%D. Industria Manufacturera2100006121027131436442743344145646546847548149350551551651752120.10%0.71%- Alimentos, bebidas y tabaco00000003150465058585959595960636566676763639.74%0.74%- Textiles y cueros0000001397810113217017517818018418518618819420120520420821019.71%1.05%- Madera y papel000000028505046404040414242434444454646464717.56%0.90%- Fab. de sustancias y prod. qumicos0000000110663333444444455547.88%2.39%- Fab. de productos de caucho y plstico0000000381010101010111111111112121212121219.88%1.54%- Fab. de prods. minerales no metlicos0000000513182432333333343434343434343434342.67%0.65%- Fab. de metales000000010233241494950606263636465666768697041.87%0.41%- Maquinaria y equipo0000000291078788888888899915.82%-0.16%- Fab. de vehculos y equipo de transporte000000045544444444434444414.24%-0.25%- Resto manufactura100000012253543535455565859626364666868676724.64%-0.25%E. Electricidad, Gas y Agua000000002112222222355556382.55%-47.38%F. Construccin9400008256810811019219820320621121522323823824725226326326332.69%-0.14%G. Comercio5662003049441,2341,5571,9572,7082,7482,7712,8152,8562,8822,9172,9492,9963,0833,1703,2043,2153,24518.09%0.93%- Venta y reparacin vehculos100000035909911914315215415615816116216416817117317417517616.32%0.94%- Comercio al por mayor36620029127533441561362362864265366067268068970672272974074619.78%0.83%- Comercio al por menor10000014738691,1241,4241,9521,9731,9902,0172,0452,0612,0832,1052,1392,2062,2752,3002,3002,32217.69%0.96%H. Hoteles y Restaurantes00000004910413718526927828429130631332132933734735736537137735.33%1.64%I. Transporte, Almacenamiento y Comunicaciones8835140009040149263770271973174175275677178278980181482383184817.91%2.01%J. Intermediacin Financiera000000915402322151515141312886111214192136.88%5.46%K. Actividades inmobiliarias, empresariales y de alquiler222262000084118827531428330631032332933734435036337137938438939127.88%0.72%- Act. Inmobiliaria y de alquiler0000002157411016217619119520320721121221722723223623623924126.41%0.81%- Act. Empresarial222262000062611416415110611511412012212713213313713914314814915030.32%0.59%L. Administracin Pblica y Defensa0000000523555555555455555-1.81%-1.23%M. Enseanza00000003131314171918181818181818191919202111.33%4.24%N. Servicios Sociales y de Salud00000005373438252425262627282829303232323231.61%-0.86%O. Otras Actividades de Servicios Comunitarios00000015121673961261361301311291291291291281301311321341361385.98%1.67%P,Q Hogares privados c/ serv. Domstico y Organos Extraterritoriales000000713026641,0601,3309949879921,0071,0191,0331,0381,0531,0651,0831,0931,0841,0741,0587.26%-1.46%TARJETAS DE CREDITO (En Mills. S/.)N/DN/D8381,1081,288659338669331,1171,2041,2621,2281,2291,2241,2481,2721,2561,2441,2411,2391,2391,2981,2801,2612.74%-1.47%Tipo de Cambio Contable S/.:3.5143.4633.2823.4303.1962.9963.1402.8902.8092.6962.5502.7952.8002.8082.8082.7662.7962.7962.8442.8902.9212.9192.9863.0573.093FUENTE: AREAS DE CONTABILIDAD DE LAS EMPRESAS FINANCIERASELABORACION: DEPARTAMENTO DE ESTADISTICA. ASBANC.

Cuadro 3CUADRO IIIINFORMACION FINANCIERA - EMPRESAS FINANCIERASDICIEMBRE '02 - FEBRERO '15Feb-15Feb-15Dec-02Dec-03Dec-04Dec-05Dec-06Dec-07Dec-08Dec-09Dec-10Dec-11Dec-12Dec-13Feb-14Mar-14Apr-14May-14Jun-14Jul-14Aug-14Sep-14Oct-14Nov-14Dec-14Jan-15Feb-15Feb-14Jan-15PASIVO TOTAL (En Mills. S/.)9249568041,2191,5279898743,4235,1136,5668,80110,35810,76011,10211,28411,41811,63911,67311,69511,77712,10612,34412,30812,47712,55816.71%0.65%DEPOSITOS TOTALES (En Mills. S/.)N/D1533625967356021091,2102,0002,7514,2924,8135,3575,5235,5575,7905,9505,6545,6685,6125,7905,8505,6955,9495,97911.62%0.50%0A) Por Tipo de Depsito0.00%0.00%DEPOSITOS A LA VISTAN/D100000898754555847545333-27.43%-4.04%DEPOSITOS DE AHORRON/D100030718712812824325224525324825225827128528628328529530420.47%2.94%DEPOSITOS A PLAZON/D151361595165991091,1321,9042,6164,1564,5665,1005,2735,2995,5375,6905,3915,3905,3225,5015,5625,4075,6515,67211.21%0.38%B) Por Tipo de Depositante0.00%0.00%PERSONAS NATURALESN/DN/DN/DN/D675307536487831,5102,3992,4762,4812,5302,5982,6512,6952,7402,7702,8232,8482,8512,8652,88116.37%0.59%0PERSONAS JURIDICAS SIN FINES LUCRON/DN/DN/DN/D022627148154304175266255243373496519530540722750725774774191.21%-0.04%PERSONAS JURIDICAS CON FINES LUCRON/DN/DN/DN/D668547834301,2041,8152,4782,2402,6152,7872,7842,8192,8032,4392,3972,3022,2462,2522,1192,3112,324-11.13%0.57%MONTO DEPOSITOS CTS (En Mills. S/.)N/D13816805960749017018619620823726127127427928331330330530764.93%0.77%PATRIMONIO TOTAL (En Mills. S/.)2933302542733442041505469241,1691,5381,8831,8942,3222,3442,3612,3812,5682,5932,6262,6512,6572,5852,6132,64439.62%1.19%0INGRESOS FINANCIEROS SIN INGRESOS DE CUENTAS POR COBRAR (En Mills. S/.)4284894054565643413881,0561,4231,8202,3352,7424907521,0101,2801,5471,8252,0992,3752,6562,9363,23329556615.46%MARGEN FINANCIERO BRUTO (En Mills. S/.)3724383764225013023058291,1701,4791,8772,2484006128211,0411,2591,4861,7101,9352,1632,3932,63824346416.14%GASTOS ADMINISTRATIVOS (En Mills. S/.)2042191902012431831745337078621,0401,3392433694966277548841,0131,1441,2761,4171,55514327613.29%UTILIDAD NETA (En Mills. S/.)1011128812511664334515520928822720415471911171421762002072182758191.24%Tipo de Cambio Contable S/.:3.5143.4633.2823.4303.1962.9343.1402.8902.8092.6962.5502.7952.8002.8082.8082.7662.7962.7962.8442.8902.9212.9192.9863.0573.093FUENTE: AREAS DE CONTABILIDAD DE LAS EMPRESAS FINANCIERASELABORACION: DEPARTAMENTO DE ESTADISTICAS. ASBANC.

Cuadro 4CUADRO IVINFORMACION FINANCIERA - EMPRESAS FINANCIERASDICIEMBRE '02 - FEBRERO '15Feb-15Feb-15Dec-02Dec-03Dec-04Dec-05Dec-06Dec-07Dec-08Dec-09Dec-10Dec-11Dec-12Dec-13Feb-14Mar-14Apr-14May-14Jun-14Jul-14Aug-14Sep-14Oct-14Nov-14Dec-14Jan-15Feb-15Feb-14Jan-15INDICADORES FINANCIEROS0%0%MOROSIDAD (%)COLOCACIONES TOTALES4.01%4.00%3.03%2.44%2.65%2.42%2.32%4.50%3.75%3.48%4.46%5.21%5.59%5.62%5.68%5.70%5.78%5.92%6.02%5.91%5.80%5.71%5.59%5.80%5.81%0.220.01CREDITOS COMERCIALES20.51%43.24%72.82%70.22%0.00%0.00%1.70%5.35%0.000.00CREDITOS CORPORATIVOS0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.000.00CREDITOS A GRANDES EMPRESAS0.24%0.19%1.30%3.99%1.82%0.00%2.65%2.02%1.84%58.53%33.95%30.98%30.74%30.78%25.82%16.07%17.20%15.381.13CREDITOS A MEDIANAS EMPRESAS1.55%1.50%3.19%8.46%7.99%15.26%7.65%6.63%6.57%6.58%7.26%5.81%5.98%5.81%5.76%5.77%5.49%-2.50-0.27CREDITOS A PEQUEAS EMPRESAS5.40%4.69%5.48%6.83%7.25%7.18%7.39%7.43%7.43%7.59%7.67%7.60%7.56%7.59%7.45%7.79%8.02%0.770.23CREDITOS MICROEMPRESAS1.99%2.74%N/AN/AN/AN/A2.46%4.79%4.25%3.62%4.34%4.45%4.74%4.67%4.84%4.75%4.86%4.93%4.98%4.84%4.75%4.66%4.68%4.91%4.98%0.240.07CREDITOS CONSUMO1.42%1.78%1.85%2.08%2.85%2.75%3.74%4.61%3.13%3.19%4.05%4.20%4.71%4.67%4.69%4.86%4.99%5.05%5.15%5.11%4.86%4.64%4.43%4.53%4.28%-0.43-0.25CREDITOS HIPOTECARIOS0.00%0.50%0.01%0.01%0.22%0.02%0.33%0.67%1.15%1.45%2.65%4.51%5.17%2.72%5.45%5.86%5.83%5.93%6.03%5.90%6.06%6.29%6.02%6.25%5.96%0.79-0.28POR DIAS DE INCUMPLIMIENTO0.000.00MS DE 30 DASN/DN/DN/DN/D6.19%4.70%2.67%5.71%4.61%4.26%5.17%5.83%6.16%6.11%6.28%6.25%6.32%6.45%6.51%6.37%6.31%6.21%6.03%6.25%6.30%0.150.05MS DE 60 DASN/DN/DN/DN/D4.44%2.94%2.03%4.32%3.49%3.22%4.00%4.56%4.84%4.81%4.98%4.96%5.02%5.10%5.31%5.16%5.07%5.05%4.96%5.22%5.11%0.27-0.12MS DE 90 DASN/DN/DN/DN/D3.65%2.09%1.71%3.31%2.77%2.60%3.27%3.70%4.05%4.05%4.06%4.16%4.20%4.27%4.38%4.43%4.36%4.24%4.28%4.46%4.40%0.35-0.06MS DE 120 DASN/DN/DN/DN/D2.65%1.34%1.44%2.27%2.04%1.92%2.56%2.90%3.25%3.30%3.25%3.25%3.39%3.48%3.57%3.49%3.61%3.53%3.49%3.80%3.70%0.44-0.10TARJETAS DE CREDITO TOTALES1.89%2.19%2.96%3.00%7.21%4.34%2.75%2.91%4.33%5.25%6.40%6.30%6.12%6.57%6.68%6.63%6.84%6.81%6.66%6.42%5.82%5.77%5.10%-1.30-0.68TARJETAS CREDITO COMERCIALESN/DN/D60.47%0.00%0.00%0.00%N/A0.00%0.000.00TARJETAS CREDITO CORPORATIVOSN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.000.00TARJETAS CREDITO GRANDES EMPRESASN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.000.00TARJETAS CREDITO MEDIANAS EMPRESAS3.36%13.49%22.91%20.08%17.43%18.24%17.56%21.14%16.43%18.95%17.80%18.16%24.56%21.15%24.55%24.81%21.34%3.90-3.47TARJETAS CREDITO PEQUEAS EMPRESAS0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.000.00TARJETAS CREDITO MICROEMPRESAN/DN/D0.00%0.00%0.00%N/AN/A0.00%27.22%4.62%10.40%19.91%10.70%11.22%17.51%17.16%0.00%0.00%0.00%0.00%0.00%0.00%67.66%0.00%0.00%-10.700.00TARJETAS CREDITO CONSUMON/DN/D1.89%2.19%2.96%3.00%7.21%4.34%2.75%2.90%4.30%5.23%6.39%6.28%6.10%6.55%6.66%6.61%6.82%6.79%6.63%6.40%5.79%5.74%5.07%-1.32-0.67APROVISIONAMIENTO = Provisiones / (Cartera Atrasada) (%)102.24%121.35%170.08%175.80%202.85%214.99%165.43%170.42%176.34%190.42%171.35%151.90%148.71%148.12%147.62%147.75%147.97%146.06%145.71%147.10%148.11%149.28%151.20%149.23%148.45%-0.26-0.77Provisiones Constituidas / Provisiones Requeridas (%)104.45%120.80%110.04%100.00%100.24%102.09%102.77%113.56%110.15%110.58%112.21%109.55%110.63%110.21%111.01%111.17%111.02%111.16%111.08%111.74%111.95%121.61%122.46%121.91%122.32%11.690.41LIQUIDEZ (%)0%0%INDICADOR DE LIQUIDEZ EN MONEDA NACIONALN/DN/DN/DN/DN/DN/DN/D14.21%18.27%18.33%30.10%12.08%8.08%9.09%10.83%10.70%10.70%29.96%27.09%26.00%27.86%27.01%25.42%25.88%26.62%18.540.74INDICADOR DE LIQUIDEZ EN MONEDA EXTRANJERAN/DN/DN/DN/DN/DN/DN/D43.48%44.92%34.56%39.19%27.90%37.42%140.05%128.56%266.51%266.51%68.88%79.49%78.11%64.38%75.40%66.75%71.86%69.51%32.10-2.35SOLVENCIA0.000.00RATIO DE APALANCAMIENTO GLOBAL POR RIESGO CREDITICIO Y DE MERCADO (N de veces)5.115.525.817.617.747.737.036.306.106.655.865.765.835.985.805.896.315.795.835.926.026.146.356.356.4360.067.91RENTABILIDAD (%)0.000.00ROA=Utilidad Neta/Total Activo8.27%8.67%8.29%8.38%6.20%5.34%3.57%1.14%2.57%2.70%2.79%1.85%0.94%0.12%0.16%1.24%1.30%1.41%1.50%1.63%1.62%1.50%1.46%2.13%2.28%1.340.14ROE=Utilidad Neta/Patrimonio34.37%33.78%34.50%45.81%33.68%31.26%24.35%8.26%16.78%17.88%18.75%12.06%6.27%0.68%0.92%7.25%7.68%7.80%8.24%8.92%9.04%8.48%8.42%12.32%13.08%6.810.77Tipo de Cambio Contable S/.:3.5143.4633.2823.4303.1962.9343.1402.8902.8092.6962.5502.7952.8002.8082.8082.7662.7962.7962.8442.8902.9212.9192.9863.0573.093FUENTE: AREAS DE CONTABILIDAD DE LAS EMPRESAS FINANCIERASELABORACION: DEPARTAMENTO DE ESTADISTICAS. ASBANC.