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Jos Alfredo Guerrero

Abril 2014

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO POR

FECHA Y POR BANCOS

Bancos

30-abr-14

Cartera Total76.88% 8.54% 4.72% 6.21% 3.65%Reservas

58.77% 15.76% 9.33% 11.35% 4.78%Popular53.32% 21.20% 11.32% 12.35% 1.81%BHD78.60% 12.04% 4.46% 2.61% 2.29%Scotia62.50% 19.04% 10.04% 2.97% 5.45%Len63.05% 15.57% 11.21% 8.18% 1.99%Progreso35.61% 38.14% 15.70% 10.55% 0.00%Citibank60.28% 7.08% 19.06% 12.40% 1.18%Santa Cruz78.18% 6.22% 6.52% 7.82% 1.26%Caribe55.17% 11.68% 15.34% 14.74% 3.08%BDI54.60% 10.83% 12.25% 18.67% 3.65%BLH50.04% 38.35% 8.53% 2.21% 0.87%Banesco72.24% 11.27% 6.55% 8.34% 1.60%Promerica56.88% 14.65% 13.19% 13.10% 2.18%Bancamerica67.57% 11.26% 9.13% 10.13% 1.92%Vimenca74.97% 14.77% 3.14% 7.12% 0.00%LAFISE85.63% 4.19% 3.69% 2.98% 3.51%ADEMI40.71% 2.15% 34.80% 15.35% 6.99%BellBank66.62% 13.63% 7.86% 8.37% 3.52%Total BM

Crditos Comerciales72.40% 10.20% 5.36% 7.66% 4.39%Reservas39.71% 22.86% 13.63% 16.64% 7.17%Popular33.35% 30.61% 16.29% 17.80% 1.94%BHD56.11% 27.67% 9.18% 4.26% 2.78%Scotia42.78% 29.40% 15.29% 4.13% 8.39%Len39.38% 25.99% 18.57% 13.68% 2.39%Progreso35.15% 38.41% 15.81% 10.63% 0.00%Citibank45.64% 9.19% 26.97% 17.57% 0.63%Santa Cruz46.60% 11.41% 16.62% 22.59% 2.77%Caribe39.61% 15.25% 21.14% 20.40% 3.61%BDI

31.41% 14.30% 18.89% 29.64% 5.75%BLH31.90% 53.22% 11.73% 2.62% 0.53%Banesco49.10% 22.43% 10.73% 16.35% 1.39%Promerica36.24% 20.93% 19.49% 22.69% 0.65%Bancamerica55.47% 13.04% 13.56% 15.51% 2.42%Vimenca72.74% 16.09% 3.42% 7.75% 0.00%LAFISE82.88% 4.76% 4.64% 3.83% 3.90%ADEMI37.42% 2.05% 36.84% 16.27% 7.41%BellBank54.55% 18.59% 10.60% 11.59% 4.67%Total BM

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO POR

FECHA Y POR BANCOS

Bancos

30-abr-14

Crditos Consumo96.03% 1.66% 1.37% 0.33% 0.61%Reservas

93.82% 2.59% 1.43% 1.68% 0.48%Popular88.70% 3.89% 2.35% 3.05% 2.01%BHD92.35% 2.60% 1.79% 1.93% 1.33%Scotia92.96% 2.50% 1.98% 1.62% 0.94%Len91.47% 2.92% 2.28% 1.89% 1.44%Progreso

100.00% 0.00% 0.00% 0.00% 0.00%Citibank90.42% 2.31% 2.16% 2.07% 3.03%Santa Cruz93.10% 3.43% 1.80% 1.05% 0.62%Caribe91.80% 2.66% 1.50% 1.03% 3.02%BDI93.05% 4.20% 1.56% 0.83% 0.36%BLH90.38% 2.24% 2.15% 1.90% 3.33%Banesco87.81% 3.72% 3.72% 2.98% 1.78%Promerica78.88% 7.15% 6.77% 2.22% 4.97%Bancamerica83.33% 6.36% 4.33% 4.20% 1.78%Vimenca

100.00% 0.00% 0.00% 0.00% 0.00%LAFISE93.00% 2.81% 1.10% 0.59% 2.50%ADEMI95.28% 3.85% 0.87% 0.00% 0.00%BellBank92.74% 2.69% 1.80% 1.64% 1.13%Total BM

Crditos Hipotecarios92.75% 2.38% 3.35% 0.61% 0.92%Reservas95.07% 2.42% 1.17% 1.23% 0.11%Popular90.89% 4.87% 2.35% 1.30% 0.57%BHD91.38% 2.92% 1.32% 0.98% 3.39%Scotia92.23% 4.43% 2.02% 0.36% 0.96%Len91.22% 3.87% 2.98% 0.10% 1.83%Progreso

Citibank

91.41% 3.79% 4.08% 0.49% 0.22%Santa Cruz90.70% 7.21% 2.09% 0.00% 0.00%Caribe96.75% 2.78% 0.00% 0.00% 0.48%BDI

93.69% 5.43% 0.87% 0.00% 0.00%BLH93.63% 5.01% 0.28% 0.72% 0.37%Banesco92.48% 3.50% 4.03% 0.00% 0.00%Promerica87.20% 8.51% 2.79% 1.50% 0.00%Bancamerica84.48% 14.95% 0.57% 0.00% 0.00%Vimenca

100.00% 0.00% 0.00% 0.00% 0.00%LAFISE94.95% 1.89% 0.65% 0.36% 2.14%ADEMI

BellBank

93.23% 3.06% 1.97% 0.91% 0.83%Total BM

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesReservas

FECHA

65.92% 9.23% 4.74% 16.80% 3.31%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%64.50% 13.96% 12.02% 4.26% 5.27%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%72.41% 8.88% 4.80% 10.63% 3.28%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

68.87% 7.03% 5.52% 14.89% 3.69%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%68.09% 7.12% 6.55% 15.52% 2.73%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%63.93% 7.70% 8.14% 17.20% 3.03%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%64.65% 7.77% 7.40% 14.38% 5.79%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%75.58% 4.95% 5.63% 9.41% 4.43%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%76.04% 5.17% 3.91% 10.08% 4.80%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%76.34% 5.14% 3.92% 9.82% 4.78%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%77.83% 4.96% 3.64% 9.18% 4.40%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%77.41% 6.09% 3.42% 8.65% 4.42%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%78.02% 5.52% 3.64% 8.54% 4.28%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%77.90% 5.90% 3.44% 8.73% 4.03%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%78.05% 5.81% 3.19% 7.62% 5.33%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%75.42% 7.11% 4.64% 7.56% 5.28%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%75.47% 7.50% 4.78% 7.47% 4.78%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%74.67% 7.06% 6.05% 7.63% 4.59%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%74.94% 6.88% 5.85% 7.92% 4.41%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%75.83% 7.23% 5.40% 7.52% 4.01%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%75.41% 6.71% 7.27% 6.47% 4.14%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%78.05% 6.76% 5.39% 5.93% 3.88%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%79.23% 6.30% 5.04% 5.71% 3.72%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%76.86% 9.39% 4.15% 6.05% 3.55%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%76.88% 8.54% 4.72% 6.21% 3.65%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesReservas

FECHA

59.94% 10.95% 5.28% 20.53% 3.31%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%44.69% 21.76% 19.07% 5.94% 8.54%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%68.13% 10.44% 5.36% 12.80% 3.26%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

62.87% 8.33% 6.47% 18.55% 3.77%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%61.55% 8.48% 7.82% 19.55% 2.61%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%56.16% 9.25% 9.79% 21.74% 3.05%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%56.07% 9.57% 9.11% 18.61% 6.64%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%71.49% 5.61% 6.50% 11.71% 4.69%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%71.51% 6.07% 4.42% 12.73% 5.28%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%71.99% 6.02% 4.39% 12.35% 5.24%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%74.00% 5.73% 4.11% 11.40% 4.76%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%73.64% 6.98% 3.79% 10.80% 4.80%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%74.33% 6.43% 3.97% 10.66% 4.61%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%74.28% 6.78% 3.78% 10.83% 4.33%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%74.25% 6.84% 3.47% 9.45% 5.98%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%70.82% 8.48% 5.32% 9.39% 5.98%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%70.64% 8.85% 5.54% 9.31% 5.66%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%69.59% 8.29% 7.13% 9.53% 5.46%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%69.82% 8.06% 6.88% 9.95% 5.29%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%71.18% 8.38% 6.33% 9.36% 4.75%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%70.50% 7.92% 8.62% 7.98% 4.98%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%74.03% 7.78% 6.29% 7.26% 4.64%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%75.48% 7.28% 5.86% 6.95% 4.43%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%72.91% 10.88% 4.69% 7.35% 4.16%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%72.40% 10.20% 5.36% 7.66% 4.39%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesReservas

FECHA

93.66% 1.47% 1.41% 0.67% 2.80%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%94.03% 2.14% 1.17% 2.35% 0.31%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%93.04% 1.86% 1.43% 0.72% 2.95%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

93.41% 1.54% 1.28% 0.72% 3.05%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%94.68% 0.97% 1.04% 0.59% 2.72%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%94.25% 1.32% 0.97% 0.56% 2.90%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%94.17% 1.46% 1.01% 0.54% 2.81%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%93.33% 1.84% 1.22% 0.51% 3.11%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%94.72% 1.10% 1.03% 0.47% 2.68%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%94.45% 1.40% 0.88% 0.57% 2.70%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%94.49% 1.36% 0.84% 0.59% 2.73%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%93.22% 2.55% 0.99% 0.50% 2.74%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%93.69% 1.63% 1.51% 0.41% 2.76%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%94.01% 1.74% 1.23% 0.47% 2.54%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%94.32% 1.64% 1.00% 0.55% 2.49%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%95.08% 1.33% 1.09% 0.55% 1.95%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%95.31% 1.69% 1.12% 0.46% 1.42%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%94.78% 2.04% 1.20% 0.49% 1.49%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%95.04% 1.82% 1.37% 0.49% 1.27%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%95.30% 1.89% 1.08% 0.48% 1.25%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%96.81% 1.07% 1.08% 0.45% 0.59%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%96.22% 1.87% 0.76% 0.53% 0.63%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%96.36% 1.60% 0.77% 0.56% 0.70%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%95.44% 2.21% 1.04% 0.46% 0.85%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%96.03% 1.66% 1.37% 0.33% 0.61%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesReservas

FECHA

89.76% 2.16% 3.52% 0.63% 3.93%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%96.59% 1.54% 1.00% 0.76% 0.10%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%88.88% 2.29% 3.37% 1.67% 3.79%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

89.10% 2.84% 2.68% 1.69% 3.68%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%89.70% 3.26% 2.72% 0.67% 3.65%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%89.37% 2.94% 3.46% 1.22% 3.00%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%90.10% 2.59% 2.83% 1.14% 3.34%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%89.20% 3.02% 3.33% 0.65% 3.81%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%89.72% 2.91% 3.27% 0.60% 3.50%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%89.52% 2.58% 3.69% 0.68% 3.53%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%90.14% 2.76% 2.94% 0.80% 3.35%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%89.85% 2.92% 3.25% 0.65% 3.33%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%89.91% 2.63% 3.44% 0.70% 3.33%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%89.44% 3.37% 3.18% 0.74% 3.27%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%90.36% 2.18% 3.54% 0.65% 3.27%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%90.33% 2.56% 3.17% 0.59% 3.34%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%91.73% 3.24% 2.92% 0.56% 1.55%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%92.08% 3.05% 3.08% 0.63% 1.16%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%92.03% 3.44% 2.91% 0.54% 1.09%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%91.87% 3.92% 2.81% 0.38% 1.02%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%92.78% 2.99% 2.87% 0.40% 0.97%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%92.51% 3.41% 2.88% 0.30% 0.89%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%93.15% 2.98% 2.61% 0.43% 0.82%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%92.12% 3.80% 2.78% 0.37% 0.93%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%92.75% 2.38% 3.35% 0.61% 0.92%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesPopular

FECHA

64.00% 14.58% 12.50% 3.70% 5.22%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%64.18% 10.26% 5.60% 15.95% 4.01%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%64.63% 13.75% 12.43% 4.20% 4.99%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

63.83% 12.61% 12.74% 3.84% 6.98%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%64.41% 14.00% 10.69% 4.28% 6.63%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%65.32% 14.23% 10.11% 4.22% 6.11%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%65.59% 14.28% 10.47% 5.66% 4.01%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%62.55% 12.96% 10.23% 9.31% 4.96%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%59.86% 15.89% 10.17% 9.79% 4.30%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%60.21% 15.20% 10.25% 10.23% 4.12%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%60.39% 15.14% 10.01% 10.30% 4.16%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%60.30% 15.40% 10.00% 9.99% 4.32%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%60.13% 15.60% 10.33% 9.72% 4.23%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%59.14% 17.13% 10.18% 9.40% 4.15%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%60.66% 16.76% 9.26% 9.20% 4.12%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%61.12% 16.60% 8.91% 9.48% 3.89%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%60.79% 16.29% 9.42% 9.60% 3.91%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%60.42% 15.94% 9.58% 9.87% 4.19%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%59.26% 16.04% 9.81% 9.80% 5.08%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%57.95% 17.23% 9.69% 9.98% 5.15%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%56.71% 16.56% 10.70% 10.63% 5.40%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%57.07% 16.02% 10.66% 10.83% 5.41%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%58.63% 15.06% 10.28% 10.76% 5.26%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%59.13% 15.41% 9.00% 11.53% 4.93%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%58.77% 15.76% 9.33% 11.35% 4.78%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesPopular

FECHA

42.60% 23.44% 20.18% 5.15% 8.64%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%58.01% 12.13% 6.24% 19.41% 4.21%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%44.68% 21.60% 19.73% 5.88% 8.11%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

43.87% 19.48% 20.06% 5.30% 11.29%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%44.70% 21.98% 16.72% 5.89% 10.71%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%47.47% 21.82% 15.40% 5.65% 9.67%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%48.03% 21.92% 15.85% 7.93% 6.26%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%42.76% 19.90% 15.63% 13.84% 7.87%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%39.02% 24.39% 15.47% 14.42% 6.69%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%40.69% 22.86% 15.26% 14.89% 6.30%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%41.13% 22.76% 14.83% 14.92% 6.36%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%40.96% 23.03% 14.91% 14.45% 6.65%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%40.71% 23.38% 15.34% 14.09% 6.48%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%39.63% 25.61% 15.02% 13.43% 6.31%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%42.20% 24.94% 13.53% 13.05% 6.27%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%42.36% 24.96% 13.11% 13.62% 5.96%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%41.97% 24.48% 13.85% 13.77% 5.93%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%41.32% 23.92% 14.21% 14.17% 6.38%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%39.55% 24.03% 14.60% 14.02% 7.79%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%38.01% 25.54% 14.24% 14.30% 7.91%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%36.02% 24.85% 15.70% 15.20% 8.24%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%36.55% 24.03% 15.68% 15.46% 8.28%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%39.37% 22.32% 15.21% 15.10% 8.00%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%40.31% 22.31% 13.13% 16.81% 7.44%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%39.71% 22.86% 13.63% 16.64% 7.17%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesPopular

FECHA

94.27% 1.84% 1.32% 2.27% 0.30%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%93.33% 1.67% 1.40% 0.67% 2.94%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%94.87% 1.49% 1.12% 2.22% 0.29%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

94.42% 1.91% 1.25% 2.14% 0.29%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%94.72% 1.58% 1.16% 2.22% 0.33%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%94.62% 1.74% 1.25% 2.04% 0.35%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%94.77% 1.60% 1.16% 2.13% 0.35%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%94.45% 1.70% 1.37% 2.16% 0.32%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%94.47% 1.63% 1.36% 2.20% 0.34%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%94.49% 1.57% 1.32% 2.23% 0.39%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%94.38% 1.64% 1.23% 2.36% 0.39%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%94.31% 1.81% 1.24% 2.33% 0.31%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%94.24% 1.81% 1.39% 2.20% 0.37%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%94.31% 1.64% 1.42% 2.27% 0.35%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%94.04% 1.81% 1.45% 2.38% 0.32%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%94.10% 1.71% 1.39% 2.43% 0.35%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%94.19% 1.63% 1.40% 2.36% 0.41%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%94.04% 1.80% 1.36% 2.38% 0.41%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%93.71% 2.05% 1.33% 2.54% 0.38%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%92.53% 2.99% 1.61% 2.54% 0.34%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%93.11% 1.89% 1.96% 2.61% 0.42%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%93.04% 1.88% 1.99% 2.68% 0.41%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%93.07% 1.90% 1.40% 3.22% 0.41%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%93.58% 2.53% 1.46% 2.07% 0.35%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%93.82% 2.59% 1.43% 1.68% 0.48%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesPopular

FECHA

96.86% 1.27% 1.11% 0.66% 0.11%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%88.89% 2.50% 4.22% 1.04% 3.34%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%96.32% 1.75% 1.14% 0.77% 0.01%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

96.49% 1.57% 1.14% 0.76% 0.03%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%96.09% 1.36% 1.35% 1.13% 0.08%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%95.23% 1.58% 1.48% 1.64% 0.07%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%94.64% 1.61% 2.02% 1.58% 0.16%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%94.50% 1.84% 1.72% 1.77% 0.16%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%94.80% 1.82% 1.29% 1.85% 0.24%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%94.59% 1.94% 1.57% 1.77% 0.13%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%94.52% 1.72% 1.80% 1.86% 0.11%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%94.27% 2.20% 1.54% 1.91% 0.08%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%94.57% 1.95% 1.61% 1.77% 0.11%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%94.54% 2.00% 1.43% 1.93% 0.09%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%94.31% 2.07% 1.58% 1.99% 0.04%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%94.38% 2.04% 1.68% 1.83% 0.08%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%94.66% 1.70% 1.62% 1.87% 0.15%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%94.96% 1.60% 1.32% 2.00% 0.11%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%94.98% 1.61% 1.29% 2.01% 0.11%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%94.60% 1.74% 1.58% 1.98% 0.09%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%94.93% 1.36% 1.36% 2.20% 0.15%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%95.00% 1.36% 1.24% 2.34% 0.06%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%94.82% 1.65% 1.11% 2.35% 0.06%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%95.13% 2.52% 1.06% 1.20% 0.10%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%95.07% 2.42% 1.17% 1.23% 0.11%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesBHD

FECHA

59.16% 20.42% 12.40% 6.24% 1.79%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%57.68% 19.38% 14.56% 6.50% 1.88%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%58.95% 12.60% 20.14% 6.15% 2.16%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

59.41% 17.52% 14.93% 5.42% 2.72%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%57.38% 19.60% 15.13% 5.53% 2.36%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%55.56% 21.20% 15.43% 4.65% 3.16%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%56.48% 22.20% 14.18% 4.33% 2.81%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%54.74% 20.67% 14.93% 6.30% 3.36%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%54.62% 21.80% 11.95% 8.49% 3.13%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%55.91% 21.36% 11.40% 8.30% 3.03%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%55.52% 21.91% 11.35% 8.22% 3.00%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%56.53% 19.21% 12.91% 7.92% 3.44%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%57.86% 18.59% 12.12% 7.93% 3.50%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%57.94% 17.73% 12.45% 8.42% 3.47%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%52.87% 21.25% 11.08% 11.17% 3.62%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%52.51% 21.76% 10.86% 11.22% 3.65%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%52.11% 21.59% 11.12% 11.30% 3.89%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%49.36% 22.35% 12.03% 12.35% 3.91%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%49.61% 22.30% 12.59% 12.00% 3.50%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%49.94% 22.78% 12.22% 11.72% 3.34%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%51.20% 23.50% 10.17% 12.33% 2.80%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%50.96% 24.03% 9.81% 12.60% 2.61%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%52.58% 22.96% 9.85% 12.10% 2.51%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%53.74% 21.07% 11.08% 11.94% 2.18%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%53.32% 21.20% 11.32% 12.35% 1.81%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesBHD

FECHA

39.05% 30.75% 18.70% 9.25% 2.24%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%37.17% 28.98% 22.05% 9.60% 2.19%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%37.65% 18.80% 31.70% 9.26% 2.59%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

38.96% 26.54% 23.13% 8.06% 3.31%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%37.66% 29.08% 22.71% 7.91% 2.65%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%35.68% 31.11% 22.92% 6.50% 3.78%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%36.20% 33.19% 21.39% 6.04% 3.18%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%35.11% 30.03% 21.98% 9.12% 3.76%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%36.04% 31.47% 17.10% 12.21% 3.17%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%38.99% 30.21% 16.12% 11.50% 3.18%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%38.69% 30.82% 16.07% 11.40% 3.02%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%40.08% 26.79% 18.44% 11.44% 3.25%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%41.66% 26.20% 17.23% 11.55% 3.35%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%41.25% 25.13% 17.99% 12.40% 3.24%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%33.71% 30.32% 15.93% 16.63% 3.42%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%33.35% 30.67% 15.63% 16.87% 3.47%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%32.42% 31.05% 15.54% 17.13% 3.85%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%27.50% 32.59% 17.23% 18.70% 3.99%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%27.75% 32.67% 18.03% 18.07% 3.48%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%28.05% 33.28% 17.48% 17.63% 3.56%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%29.17% 34.66% 14.68% 18.24% 3.25%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%29.06% 35.32% 13.92% 18.54% 3.16%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%32.46% 33.15% 13.88% 17.58% 2.93%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%34.02% 30.39% 15.92% 17.36% 2.31%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%33.35% 30.61% 16.29% 17.80% 1.94%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesBHD

FECHA

93.62% 2.51% 1.45% 1.16% 1.26%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%93.48% 2.42% 1.23% 1.21% 1.65%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%93.15% 2.45% 1.35% 1.30% 1.75%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

92.57% 2.49% 1.44% 1.35% 2.15%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%91.49% 2.86% 1.71% 1.64% 2.30%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%89.95% 3.71% 2.10% 1.63% 2.62%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%89.64% 3.75% 2.10% 1.74% 2.76%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%87.54% 4.55% 2.80% 1.78% 3.33%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%88.31% 3.65% 2.18% 1.95% 3.91%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%88.21% 3.78% 1.95% 2.53% 3.53%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%87.91% 3.91% 1.99% 2.34% 3.86%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%87.15% 4.39% 2.17% 1.33% 4.95%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%87.60% 3.97% 2.29% 1.22% 4.92%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%88.14% 3.53% 2.08% 1.19% 5.06%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%87.75% 3.90% 1.94% 1.18% 5.22%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%86.23% 5.37% 2.11% 1.10% 5.19%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%86.59% 4.08% 3.20% 0.91% 5.22%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%87.30% 3.92% 2.53% 1.26% 5.00%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%87.38% 3.82% 2.61% 1.48% 4.71%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%87.37% 4.18% 2.75% 1.79% 3.92%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%89.32% 3.52% 2.16% 2.44% 2.56%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%89.10% 3.71% 2.33% 2.77% 2.08%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%89.13% 3.86% 2.19% 2.55% 2.26%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%88.66% 3.59% 2.37% 2.82% 2.57%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%88.70% 3.89% 2.35% 3.05% 2.01%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesBHD

FECHA

96.63% 1.78% 1.08% 0.33% 0.18%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%95.94% 2.09% 1.36% 0.29% 0.30%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%94.98% 2.75% 1.37% 0.37% 0.53%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

94.02% 3.59% 1.63% 0.32% 0.44%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%94.50% 2.83% 1.88% 0.35% 0.44%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%92.09% 4.08% 2.86% 0.63% 0.34%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%93.04% 3.93% 2.03% 0.57% 0.42%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%91.78% 4.48% 2.69% 0.43% 0.63%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%92.73% 3.84% 2.66% 0.29% 0.49%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%91.98% 4.53% 2.65% 0.44% 0.39%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%92.42% 4.79% 1.80% 0.61% 0.38%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%91.50% 5.10% 2.43% 0.48% 0.49%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%91.89% 4.39% 2.67% 0.49% 0.56%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%92.36% 4.81% 2.00% 0.22% 0.61%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%91.81% 5.22% 2.08% 0.27% 0.62%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%91.18% 5.71% 2.11% 0.29% 0.72%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%91.00% 5.39% 2.83% 0.17% 0.61%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%91.23% 4.45% 3.27% 0.42% 0.63%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%92.19% 3.49% 3.47% 0.30% 0.55%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%90.80% 4.80% 3.60% 0.26% 0.54%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%92.06% 4.41% 2.32% 0.56% 0.65%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%90.45% 5.14% 3.15% 0.69% 0.58%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%90.69% 4.98% 2.95% 0.81% 0.57%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%91.29% 5.49% 2.16% 0.56% 0.50%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%90.89% 4.87% 2.35% 1.30% 0.57%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesScotiabank

FECHA

81.86% 6.68% 3.82% 4.53% 3.10%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%81.74% 7.72% 3.66% 3.66% 3.22%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%76.65% 13.49% 3.25% 3.66% 2.94%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

76.19% 14.04% 3.40% 3.79% 2.58%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%75.44% 14.91% 3.83% 3.52% 2.29%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%74.94% 15.27% 3.75% 3.61% 2.42%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%78.14% 12.39% 3.10% 3.74% 2.63%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%76.39% 15.03% 3.34% 2.43% 2.80%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%73.67% 17.18% 3.31% 3.06% 2.78%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%75.14% 16.20% 2.98% 2.93% 2.75%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%75.74% 15.34% 3.22% 3.00% 2.70%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%75.76% 16.59% 2.58% 2.44% 2.63%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%76.64% 15.66% 2.81% 2.27% 2.63%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%76.72% 15.64% 2.92% 2.06% 2.67%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%80.49% 10.35% 4.58% 1.97% 2.61%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%80.75% 11.21% 3.24% 2.16% 2.64%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%81.42% 9.84% 3.95% 2.18% 2.60%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%79.73% 10.73% 4.54% 2.42% 2.58%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%79.42% 10.64% 4.69% 2.69% 2.55%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%78.68% 11.57% 4.35% 2.91% 2.49%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%77.36% 13.31% 3.80% 3.01% 2.53%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%77.35% 13.33% 3.74% 3.05% 2.53%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%78.11% 12.86% 3.65% 2.91% 2.47%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%78.73% 11.17% 4.99% 2.57% 2.53%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%78.60% 12.04% 4.46% 2.61% 2.29%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesScotiabank

FECHA

54.83% 15.39% 9.81% 14.04% 5.94%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%54.00% 19.45% 9.65% 10.44% 6.46%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%43.74% 35.15% 6.87% 9.17% 5.07%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

43.18% 35.88% 7.57% 9.19% 4.18%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%44.78% 36.30% 7.29% 8.22% 3.41%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%45.04% 36.61% 6.73% 8.08% 3.54%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%55.40% 27.75% 5.29% 7.83% 3.72%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%48.60% 37.67% 4.93% 4.45% 4.35%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%45.68% 40.32% 4.66% 5.66% 3.68%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%50.29% 36.98% 4.21% 5.06% 3.46%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%49.42% 36.70% 5.41% 5.15% 3.33%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%50.51% 38.13% 4.14% 3.90% 3.31%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%51.65% 37.43% 4.18% 3.56% 3.18%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%50.92% 37.95% 4.68% 3.22% 3.22%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%61.06% 23.68% 9.13% 2.94% 3.19%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%61.21% 26.26% 5.48% 3.76% 3.29%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%63.07% 22.39% 7.44% 3.99% 3.11%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%57.65% 25.25% 9.46% 4.47% 3.17%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%57.25% 24.52% 10.09% 5.04% 3.10%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%57.11% 25.89% 8.32% 5.68% 2.99%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%54.23% 30.27% 6.92% 5.64% 2.93%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%54.41% 30.40% 6.58% 5.72% 2.89%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%57.67% 28.13% 6.24% 5.32% 2.64%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%57.40% 24.91% 10.93% 3.99% 2.76%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%56.11% 27.67% 9.18% 4.26% 2.78%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesScotiabank

FECHA

92.47% 3.47% 1.34% 1.09% 1.63%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%92.69% 3.24% 1.45% 1.20% 1.42%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%92.63% 3.13% 1.60% 1.30% 1.34%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

91.31% 3.89% 1.74% 1.59% 1.47%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%91.97% 3.19% 1.98% 1.47% 1.39%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%91.43% 3.29% 2.00% 1.77% 1.51%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%91.97% 2.91% 1.74% 1.67% 1.72%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%90.36% 3.59% 2.47% 1.95% 1.62%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%90.85% 3.01% 2.19% 2.14% 1.82%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%91.41% 2.71% 1.93% 2.12% 1.83%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%91.96% 2.41% 1.63% 2.20% 1.80%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%91.37% 3.20% 1.64% 1.97% 1.82%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%92.15% 2.28% 1.89% 1.89% 1.78%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%91.81% 2.79% 1.85% 1.75% 1.81%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%92.05% 2.62% 1.77% 1.81% 1.75%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%92.33% 2.45% 1.77% 1.76% 1.69%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%92.40% 2.31% 1.94% 1.65% 1.69%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%92.49% 2.48% 1.62% 1.76% 1.65%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%92.23% 2.61% 1.73% 1.79% 1.64%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%91.68% 3.02% 1.99% 1.65% 1.66%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%91.46% 2.95% 2.09% 1.78% 1.73%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%91.31% 2.85% 2.16% 1.93% 1.76%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%91.35% 2.88% 2.12% 1.83% 1.82%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%91.75% 2.77% 1.62% 2.00% 1.86%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%92.35% 2.60% 1.79% 1.93% 1.33%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesScotiabank

FECHA

91.66% 3.16% 1.89% 0.59% 2.69%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%93.19% 2.63% 0.93% 0.47% 2.78%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%93.65% 2.06% 1.20% 0.27% 2.83%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

92.55% 3.47% 0.90% 0.64% 2.44%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%91.90% 3.77% 1.96% 0.16% 2.21%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%90.72% 4.38% 2.34% 0.22% 2.34%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%91.02% 3.92% 1.91% 0.72% 2.42%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%89.91% 4.13% 2.71% 0.47% 2.79%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%88.91% 4.53% 3.11% 0.38% 3.07%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%89.75% 3.78% 2.72% 0.59% 3.17%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%90.39% 3.02% 2.46% 0.83% 3.30%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%89.48% 5.02% 1.66% 0.82% 3.02%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%90.61% 3.22% 2.17% 0.72% 3.28%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%90.73% 3.15% 2.02% 0.71% 3.39%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%91.20% 2.61% 2.29% 0.59% 3.30%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%90.35% 3.49% 2.44% 0.32% 3.40%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%90.37% 3.77% 2.07% 0.22% 3.57%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%91.03% 3.04% 2.16% 0.30% 3.46%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%90.84% 3.52% 1.59% 0.56% 3.49%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%90.28% 3.72% 2.13% 0.57% 3.29%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%90.69% 3.56% 1.62% 0.70% 3.43%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%90.34% 3.87% 1.82% 0.51% 3.47%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%90.95% 3.49% 1.69% 0.39% 3.47%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%91.58% 2.93% 0.89% 1.13% 3.47%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%91.38% 2.92% 1.32% 0.98% 3.39%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesLeon

FECHA

66.24% 11.53% 14.71% 4.97% 2.55%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%64.32% 12.51% 12.87% 8.65% 1.66%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%63.29% 12.73% 12.44% 8.03% 3.52%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

64.09% 13.94% 12.53% 8.16% 1.29%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%64.45% 12.91% 12.92% 8.18% 1.54%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%63.67% 13.36% 12.53% 8.27% 2.17%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%64.85% 12.98% 11.97% 8.02% 2.18%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%63.61% 12.11% 14.16% 6.42% 3.71%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%65.19% 13.25% 11.67% 6.56% 3.33%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%66.92% 12.11% 11.50% 6.24% 3.23%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%66.49% 13.05% 11.17% 6.24% 3.06%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%66.06% 15.50% 9.02% 6.31% 3.11%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%66.28% 15.34% 8.99% 6.35% 3.04%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%65.81% 15.73% 9.02% 6.33% 3.11%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%63.64% 16.74% 9.76% 6.63% 3.23%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%61.52% 17.09% 9.73% 7.49% 4.17%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%61.36% 17.87% 9.04% 7.18% 4.55%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%61.94% 17.99% 8.86% 5.45% 5.76%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%61.05% 19.14% 8.60% 5.59% 5.62%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%59.46% 21.76% 9.11% 4.26% 5.41%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%60.04% 21.14% 9.17% 4.41% 5.25%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%59.10% 21.65% 9.39% 4.58% 5.28%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%60.77% 21.28% 8.80% 3.94% 5.22%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%62.89% 19.32% 9.06% 3.30% 5.44%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%62.50% 19.04% 10.04% 2.97% 5.45%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesLeon

FECHA

51.55% 16.07% 21.85% 6.92% 3.61%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%47.95% 17.71% 19.19% 12.98% 2.17%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%46.54% 18.03% 18.16% 12.01% 5.26%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

47.37% 20.18% 18.46% 12.34% 1.66%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%47.57% 18.69% 19.45% 12.25% 2.04%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%46.90% 19.18% 18.46% 12.49% 2.97%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%47.68% 19.16% 18.16% 12.10% 2.89%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%45.80% 17.22% 21.72% 9.84% 5.42%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%47.74% 19.85% 17.74% 9.87% 4.80%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%51.53% 17.54% 17.25% 9.14% 4.54%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%51.41% 18.55% 16.63% 9.09% 4.33%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%50.63% 22.50% 13.18% 9.33% 4.36%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%50.58% 22.64% 12.97% 9.47% 4.34%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%49.67% 23.35% 13.12% 9.42% 4.44%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%46.02% 24.91% 14.47% 9.90% 4.70%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%41.94% 25.93% 14.56% 11.37% 6.20%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%41.43% 27.34% 13.52% 10.83% 6.88%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%42.05% 27.57% 13.31% 8.11% 8.96%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%40.22% 29.65% 13.06% 8.26% 8.80%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%37.65% 33.89% 13.86% 6.12% 8.49%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%37.95% 33.49% 14.11% 6.26% 8.19%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%36.32% 34.28% 14.42% 6.75% 8.23%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%40.80% 32.70% 13.03% 5.61% 7.85%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%43.63% 29.64% 13.72% 4.68% 8.32%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%42.78% 29.40% 15.29% 4.13% 8.39%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesLeon

FECHA

90.87% 3.46% 2.63% 2.24% 0.80%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%90.83% 3.64% 2.90% 1.80% 0.83%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%91.34% 3.34% 2.78% 1.91% 0.63%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

90.48% 3.54% 3.38% 1.95% 0.65%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%91.45% 3.12% 2.74% 1.99% 0.71%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%90.88% 3.58% 2.94% 1.87% 0.73%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%91.55% 3.16% 2.62% 1.90% 0.77%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%91.30% 3.55% 2.61% 1.66% 0.88%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%92.52% 2.65% 2.18% 1.80% 0.85%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%92.30% 2.76% 2.07% 1.95% 0.93%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%92.16% 3.29% 2.03% 1.81% 0.71%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%91.98% 3.40% 2.19% 1.55% 0.87%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%92.31% 3.12% 2.27% 1.55% 0.75%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%92.50% 2.76% 2.33% 1.73% 0.68%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%92.51% 2.74% 2.12% 1.92% 0.71%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%92.90% 2.56% 1.88% 1.88% 0.78%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%92.64% 2.47% 2.23% 1.85% 0.81%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%92.21% 3.07% 2.08% 1.80% 0.84%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%92.47% 2.48% 2.31% 2.01% 0.73%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%92.35% 2.64% 2.17% 2.04% 0.79%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%92.74% 2.38% 1.69% 2.31% 0.89%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%92.48% 2.61% 2.02% 1.96% 0.93%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%92.39% 2.83% 2.05% 1.73% 1.00%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%93.07% 2.39% 2.07% 1.58% 0.90%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%92.96% 2.50% 1.98% 1.62% 0.94%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesLeon

FECHA

91.65% 4.38% 2.50% 0.79% 0.68%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%91.51% 4.53% 1.96% 1.23% 0.77%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%90.80% 4.82% 3.14% 0.63% 0.61%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

90.18% 5.04% 2.93% 1.03% 0.82%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%91.85% 4.39% 1.89% 1.08% 0.79%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%90.86% 4.43% 2.83% 0.76% 1.12%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%91.04% 3.89% 2.09% 1.42% 1.56%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%88.13% 6.16% 3.34% 0.73% 1.64%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%92.54% 3.38% 2.10% 0.61% 1.37%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%92.63% 3.71% 1.82% 0.54% 1.31%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%91.91% 4.49% 1.67% 0.65% 1.27%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%92.10% 4.30% 1.71% 0.63% 1.26%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%92.36% 3.46% 2.61% 0.45% 1.11%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%92.61% 3.77% 2.05% 0.26% 1.31%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%91.89% 4.76% 2.02% 0.19% 1.13%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%92.37% 3.87% 2.31% 0.23% 1.22%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%92.51% 4.06% 1.63% 0.71% 1.09%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%93.01% 3.65% 1.93% 0.54% 0.87%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%93.09% 4.49% 0.90% 0.61% 0.91%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%91.02% 5.77% 1.79% 0.48% 0.94%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%92.48% 3.89% 2.23% 0.46% 0.95%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%92.98% 3.84% 1.89% 0.33% 0.97%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%93.42% 3.30% 1.95% 0.34% 0.99%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%92.75% 4.71% 1.25% 0.29% 1.00%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%92.23% 4.43% 2.02% 0.36% 0.96%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesProgreso

FECHA

49.52% 9.70% 19.98% 16.32% 4.48%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%60.69% 7.85% 13.29% 12.56% 5.61%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%64.98% 6.78% 12.96% 9.51% 5.77%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

46.97% 10.16% 18.84% 19.96% 4.08%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%46.48% 13.56% 16.64% 19.65% 3.67%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%63.98% 14.30% 9.46% 6.93% 5.32%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%66.14% 13.74% 8.36% 6.61% 5.16%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%66.10% 14.98% 5.72% 8.13% 5.08%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%67.51% 14.63% 8.10% 7.44% 2.31%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%67.72% 14.40% 8.05% 7.41% 2.41%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%66.03% 15.99% 8.33% 7.31% 2.34%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%65.51% 16.27% 8.67% 7.24% 2.31%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%63.98% 16.92% 9.23% 7.61% 2.26%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%65.72% 15.39% 9.17% 7.54% 2.19%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%62.06% 17.77% 9.56% 8.30% 2.31%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%62.78% 18.04% 8.91% 7.88% 2.39%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%62.23% 17.75% 9.62% 8.35% 2.05%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%62.42% 16.38% 10.88% 8.25% 2.07%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%61.68% 16.16% 11.22% 8.93% 2.02%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%60.42% 17.59% 11.06% 9.11% 1.81%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%59.32% 17.18% 11.76% 9.95% 1.80%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%60.26% 16.90% 11.23% 9.73% 1.89%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%61.06% 16.43% 11.30% 9.34% 1.86%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%63.09% 15.61% 10.97% 8.34% 1.98%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%63.05% 15.57% 11.21% 8.18% 1.99%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesProgreso

FECHA

25.85% 13.08% 30.73% 24.76% 5.58%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%36.53% 10.75% 22.46% 22.31% 7.95%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%43.16% 9.23% 22.25% 16.95% 8.41%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

25.33% 12.86% 27.31% 29.89% 4.61%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%24.95% 18.18% 23.37% 28.71% 4.80%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%41.63% 22.88% 15.43% 11.23% 8.83%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%45.15% 22.22% 13.14% 10.96% 8.53%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%44.16% 24.30% 8.61% 14.35% 8.57%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%45.80% 24.91% 13.44% 12.61% 3.23%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%47.93% 23.53% 13.16% 12.33% 3.06%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%45.13% 26.43% 13.38% 12.19% 2.87%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%44.72% 26.53% 13.87% 12.09% 2.79%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%42.10% 27.53% 14.84% 12.73% 2.80%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%42.86% 25.71% 15.46% 13.09% 2.88%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%37.55% 29.28% 15.75% 14.38% 3.04%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%38.53% 29.83% 14.87% 13.59% 3.18%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%37.53% 29.74% 15.66% 14.38% 2.68%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%37.34% 27.50% 18.18% 14.30% 2.68%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%37.05% 26.72% 18.63% 15.10% 2.49%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%36.08% 28.77% 17.86% 15.13% 2.16%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%35.07% 27.69% 18.75% 16.50% 1.99%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%36.05% 27.45% 18.22% 16.26% 2.02%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%37.22% 26.84% 18.34% 15.48% 2.12%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%40.07% 25.53% 18.20% 13.88% 2.32%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%39.38% 25.99% 18.57% 13.68% 2.39%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesProgreso

FECHA

90.18% 3.67% 2.10% 1.99% 2.06%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%88.94% 4.66% 2.83% 1.57% 2.01%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%88.39% 4.35% 3.11% 1.71% 2.44%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

87.44% 4.75% 3.24% 1.78% 2.79%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%89.53% 4.55% 2.98% 1.79% 1.14%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%89.95% 4.23% 2.49% 2.11% 1.22%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%90.31% 3.83% 2.68% 1.82% 1.36%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%89.22% 5.18% 2.75% 1.46% 1.39%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%90.51% 3.58% 2.67% 2.01% 1.22%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%90.27% 3.83% 2.43% 1.97% 1.49%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%90.53% 3.43% 2.59% 1.87% 1.59%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%90.32% 3.78% 2.67% 1.67% 1.56%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%90.06% 4.04% 2.77% 1.73% 1.41%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%90.45% 3.93% 2.62% 1.79% 1.21%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%89.68% 4.65% 2.78% 1.62% 1.26%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%89.32% 5.06% 2.43% 1.81% 1.37%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%89.56% 4.26% 3.05% 1.89% 1.24%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%90.29% 3.63% 2.99% 1.76% 1.33%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%90.62% 3.51% 2.53% 1.92% 1.41%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%89.84% 4.05% 2.77% 2.01% 1.33%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%89.99% 3.65% 2.99% 1.86% 1.51%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%90.11% 3.86% 2.43% 1.93% 1.67%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%90.73% 3.48% 2.37% 2.03% 1.39%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%91.21% 3.03% 2.42% 1.88% 1.46%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%91.47% 2.92% 2.28% 1.89% 1.44%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesProgreso

FECHA

84.56% 5.95% 0.71% 2.77% 6.01%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%83.98% 3.87% 2.93% 0.71% 8.51%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%86.34% 3.27% 3.11% 1.19% 6.09%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

81.79% 7.79% 3.75% 1.82% 4.86%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%87.92% 3.47% 4.82% 0.72% 3.08%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%91.51% 4.40% 2.31% 0.68% 1.10%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%90.35% 4.69% 3.72% 0.36% 0.88%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%92.83% 3.40% 1.77% 1.13% 0.86%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%93.11% 3.33% 0.65% 1.05% 1.85%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%92.48% 3.98% 0.59% 0.38% 2.57%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%89.42% 6.10% 1.64% 0.38% 2.46%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%90.51% 5.32% 1.24% 0.16% 2.78%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%90.39% 5.54% 1.09% 0.16% 2.83%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%89.69% 6.24% 1.11% 0.15% 2.81%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%90.45% 5.41% 1.16% 0.15% 2.83%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%91.06% 4.75% 1.66% 0.14% 2.38%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%90.93% 5.17% 1.89% 0.13% 1.88%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%89.59% 6.63% 1.60% 0.33% 1.85%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%89.90% 5.34% 2.53% 0.43% 1.79%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%89.70% 4.37% 3.36% 0.80% 1.77%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%89.91% 5.08% 2.51% 0.59% 1.90%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%91.08% 3.61% 3.19% 0.10% 2.02%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%90.64% 3.50% 3.48% 0.10% 2.27%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%89.15% 6.74% 1.43% 0.54% 2.15%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%91.22% 3.87% 2.98% 0.10% 1.83%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesCitibank

FECHA

28.54% 40.64% 15.02% 15.79% 0.00%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%22.11% 52.06% 15.47% 10.37% 0.00%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%20.90% 51.66% 16.33% 10.44% 0.67%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

19.18% 54.34% 16.34% 8.97% 1.17%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%20.79% 50.24% 18.38% 9.16% 1.42%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%48.30% 31.62% 12.35% 6.62% 1.11%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%47.70% 34.42% 8.75% 7.26% 1.88%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%41.10% 40.05% 10.88% 5.63% 2.33%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%25.95% 50.40% 12.31% 8.98% 2.35%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%45.92% 38.25% 8.24% 6.00% 1.58%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%46.96% 37.71% 8.43% 5.29% 1.60%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%45.98% 36.80% 10.18% 5.41% 1.63%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%43.67% 40.22% 10.32% 4.96% 0.83%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%47.46% 24.61% 22.37% 5.56% 0.00%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%44.88% 32.75% 17.17% 5.20% 0.00%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%42.29% 33.80% 18.43% 5.49% 0.00%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%37.89% 39.02% 17.48% 5.61% 0.00%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%36.11% 41.11% 16.66% 6.12% 0.00%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%33.15% 39.68% 19.40% 7.76% 0.00%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%19.41% 50.69% 14.43% 15.47% 0.00%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%13.28% 41.05% 29.58% 16.08% 0.00%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%

0.90% 58.02% 25.27% 15.81% 0.00%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%34.86% 39.15% 15.15% 10.84% 0.00%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%38.63% 37.09% 12.79% 11.48% 0.00%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%35.61% 38.14% 15.70% 10.55% 0.00%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesCitibank

FECHA

27.95% 40.98% 15.14% 15.93% 0.00%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%21.54% 52.44% 15.58% 10.44% 0.00%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%20.25% 52.09% 16.47% 10.52% 0.68%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

18.48% 54.81% 16.48% 9.05% 1.18%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%20.10% 50.68% 18.54% 9.24% 1.44%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%47.95% 31.84% 12.43% 6.67% 1.12%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%47.28% 34.69% 8.82% 7.32% 1.89%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%40.53% 40.44% 10.99% 5.69% 2.35%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%25.21% 50.91% 12.44% 9.07% 2.38%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%45.55% 38.52% 8.29% 6.04% 1.59%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%46.58% 37.98% 8.49% 5.33% 1.61%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%45.58% 37.07% 10.25% 5.45% 1.65%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%43.25% 40.51% 10.40% 5.00% 0.84%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%47.06% 24.79% 22.54% 5.60% 0.00%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%44.45% 33.00% 17.30% 5.25% 0.00%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%41.85% 34.06% 18.57% 5.53% 0.00%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%37.42% 39.32% 17.61% 5.65% 0.00%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%35.65% 41.41% 16.78% 6.17% 0.00%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%32.61% 40.00% 19.56% 7.83% 0.00%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%18.71% 51.13% 14.55% 15.61% 0.00%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%12.50% 41.42% 29.85% 16.23% 0.00%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%

0.03% 58.52% 25.49% 15.95% 0.00%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%34.48% 39.38% 15.24% 10.91% 0.00%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%38.21% 37.35% 12.88% 11.56% 0.00%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%35.15% 38.41% 15.81% 10.63% 0.00%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesCitibank

FECHA

99.66% 0.00% 0.34% 0.00% 0.00%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%100.00% 0.00% 0.00% 0.00% 0.00%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%100.00% 0.00% 0.00% 0.00% 0.00%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

100.00% 0.00% 0.00% 0.00% 0.00%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%100.00% 0.00% 0.00% 0.00% 0.00%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%100.00% 0.00% 0.00% 0.00% 0.00%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%100.00% 0.00% 0.00% 0.00% 0.00%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%100.00% 0.00% 0.00% 0.00% 0.00%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%100.00% 0.00% 0.00% 0.00% 0.00%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%100.00% 0.00% 0.00% 0.00% 0.00%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%100.00% 0.00% 0.00% 0.00% 0.00%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%100.00% 0.00% 0.00% 0.00% 0.00%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%100.00% 0.00% 0.00% 0.00% 0.00%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%100.00% 0.00% 0.00% 0.00% 0.00%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%100.00% 0.00% 0.00% 0.00% 0.00%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%100.00% 0.00% 0.00% 0.00% 0.00%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%100.00% 0.00% 0.00% 0.00% 0.00%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%100.00% 0.00% 0.00% 0.00% 0.00%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%100.00% 0.00% 0.00% 0.00% 0.00%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%100.00% 0.00% 0.00% 0.00% 0.00%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%100.00% 0.00% 0.00% 0.00% 0.00%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%100.00% 0.00% 0.00% 0.00% 0.00%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%100.00% 0.00% 0.00% 0.00% 0.00%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%100.00% 0.00% 0.00% 0.00% 0.00%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%100.00% 0.00% 0.00% 0.00% 0.00%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesCitibank

FECHA

0.00% 0.00% 0.00% 0.00% 0.00%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%0.00% 0.00% 0.00% 0.00% 0.00%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%0.00% 0.00% 0.00% 0.00% 0.00%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

0.00% 0.00% 0.00% 0.00% 0.00%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%0.00% 0.00% 0.00% 0.00% 0.00%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%0.00% 0.00% 0.00% 0.00% 0.00%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%0.00% 0.00% 0.00% 0.00% 0.00%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%

30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesSantaCruz

FECHA

72.39% 13.93% 10.85% 1.81% 1.02%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%54.89% 16.39% 21.87% 5.56% 1.29%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%54.79% 14.99% 23.88% 5.06% 1.28%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

91.71% 2.34% 3.83% 0.60% 1.52%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%93.19% 2.20% 1.58% 1.64% 1.39%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%91.07% 4.50% 2.08% 0.55% 1.79%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%93.05% 3.19% 1.72% 0.35% 1.69%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%82.38% 10.40% 4.71% 0.63% 1.88%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%79.08% 13.29% 5.98% 0.73% 0.92%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%79.74% 12.70% 5.84% 0.69% 1.03%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%76.19% 14.11% 7.77% 0.70% 1.24%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%76.01% 14.38% 7.75% 0.80% 1.06%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%73.87% 14.94% 9.13% 0.87% 1.18%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%73.77% 15.01% 7.82% 2.10% 1.30%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%62.15% 10.13% 22.54% 4.03% 1.15%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%61.52% 10.73% 20.06% 6.29% 1.40%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%60.08% 10.78% 20.80% 6.80% 1.54%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%60.22% 9.94% 20.08% 8.31% 1.45%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%60.95% 8.69% 20.25% 8.65% 1.46%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%58.68% 9.96% 19.30% 10.63% 1.44%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%59.49% 9.10% 19.66% 10.93% 0.83%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%56.41% 9.37% 20.99% 12.21% 1.02%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%62.40% 8.74% 16.64% 11.21% 1.01%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%61.94% 7.83% 17.41% 11.72% 1.10%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%60.28% 7.08% 19.06% 12.40% 1.18%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesSantaCruz

FECHA

65.83% 17.62% 13.93% 2.25% 0.38%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%41.11% 21.14% 29.63% 7.58% 0.54%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%40.33% 19.71% 32.88% 6.71% 0.37%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

92.99% 1.85% 4.04% 0.52% 0.60%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%94.75% 1.21% 0.92% 2.13% 0.99%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%94.42% 2.76% 1.06% 0.41% 1.35%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%95.99% 1.85% 1.01% 0.14% 1.00%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%81.14% 12.99% 4.74% 0.28% 0.86%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%74.57% 17.74% 6.96% 0.39% 0.34%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%76.39% 16.32% 6.59% 0.34% 0.37%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%72.22% 18.09% 8.98% 0.23% 0.49%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%71.76% 18.77% 8.83% 0.27% 0.37%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%67.96% 20.03% 11.28% 0.36% 0.37%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%67.33% 20.18% 10.03% 2.05% 0.41%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%49.53% 13.49% 31.59% 4.98% 0.42%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%46.58% 14.99% 29.07% 8.78% 0.58%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%44.60% 14.93% 30.12% 9.70% 0.65%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%43.88% 13.81% 29.38% 12.22% 0.71%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%44.12% 11.74% 30.50% 12.90% 0.74%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%40.79% 13.85% 28.82% 15.96% 0.58%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%41.78% 12.69% 28.84% 16.17% 0.53%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%35.95% 13.33% 31.53% 18.60% 0.60%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%48.43% 11.20% 23.56% 16.28% 0.52%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%48.91% 9.76% 24.31% 16.51% 0.52%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%45.64% 9.19% 26.97% 17.57% 0.63%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesSantaCruz

FECHA

88.87% 3.25% 2.72% 1.06% 4.10%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%87.07% 4.33% 3.11% 0.84% 4.66%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%86.53% 4.21% 3.19% 1.16% 4.89%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

87.27% 3.45% 2.96% 1.15% 5.18%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%89.46% 3.75% 2.39% 0.92% 3.48%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%86.51% 4.75% 3.36% 1.28% 4.10%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%86.39% 4.42% 3.35% 1.15% 4.69%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%84.38% 4.46% 4.33% 1.54% 5.29%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%88.65% 3.55% 3.03% 1.85% 2.91%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%87.59% 3.83% 3.25% 1.95% 3.39%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%86.28% 3.83% 3.44% 2.40% 4.05%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%86.16% 3.60% 4.10% 2.53% 3.62%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%86.67% 2.84% 3.99% 2.59% 3.91%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%86.96% 3.41% 2.69% 2.67% 4.27%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%88.44% 2.74% 2.81% 2.59% 3.41%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%89.15% 2.34% 2.60% 2.22% 3.68%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%88.76% 2.61% 2.75% 1.89% 3.99%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%89.89% 2.43% 2.62% 1.69% 3.37%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%89.63% 2.83% 2.25% 1.76% 3.54%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%89.20% 2.84% 2.38% 1.86% 3.73%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%91.47% 2.39% 2.45% 1.92% 1.78%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%91.67% 2.16% 2.22% 1.71% 2.24%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%90.46% 3.11% 2.29% 1.60% 2.54%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%90.18% 2.79% 1.96% 2.03% 3.04%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%90.42% 2.31% 2.16% 2.07% 3.03%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesSantaCruz

FECHA

90.54% 6.37% 3.09% 0.00% 0.00%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%88.66% 6.69% 4.10% 0.55% 0.00%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%91.96% 3.64% 2.55% 1.34% 0.51%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

92.63% 3.16% 4.22% 0.00% 0.00%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%90.59% 5.37% 4.04% 0.00% 0.00%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%80.27% 14.10% 5.63% 0.00% 0.00%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%88.25% 8.91% 2.84% 0.00% 0.00%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%85.37% 8.61% 5.43% 0.60% 0.00%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%86.50% 6.71% 6.50% 0.29% 0.00%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%86.19% 6.76% 6.46% 0.29% 0.29%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%83.33% 7.33% 8.76% 0.29% 0.29%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%85.23% 5.57% 8.09% 0.81% 0.29%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%87.03% 6.31% 5.61% 0.50% 0.55%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%87.57% 6.58% 4.61% 0.96% 0.28%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%88.58% 4.08% 5.89% 0.67% 0.77%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%89.16% 4.25% 5.60% 0.24% 0.76%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%87.14% 4.84% 6.77% 0.48% 0.76%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%88.04% 4.80% 5.93% 0.25% 0.99%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%89.92% 5.33% 4.14% 0.35% 0.26%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%90.83% 4.40% 4.17% 0.11% 0.49%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%91.89% 3.22% 4.66% 0.00% 0.23%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%90.38% 4.02% 5.37% 0.00% 0.23%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%88.45% 6.24% 5.00% 0.08% 0.22%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%88.34% 6.43% 4.93% 0.08% 0.22%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%91.41% 3.79% 4.08% 0.49% 0.22%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesCaribe

FECHA

87.44% 3.41% 7.13% 0.78% 1.24%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%81.83% 8.04% 6.28% 2.42% 1.43%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%62.82% 13.49% 11.68% 6.71% 5.31%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

81.86% 7.94% 6.75% 1.55% 1.89%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%81.11% 7.94% 8.38% 0.78% 1.79%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%78.56% 6.34% 11.35% 1.75% 2.01%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%83.60% 6.01% 4.85% 3.87% 1.68%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%80.35% 9.13% 4.81% 3.82% 1.89%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%82.15% 9.16% 4.25% 1.75% 2.68%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%83.31% 6.20% 6.24% 1.45% 2.81%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%82.80% 6.18% 5.93% 2.33% 2.76%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%82.43% 6.13% 6.41% 1.48% 3.54%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%83.25% 5.82% 7.57% 0.83% 2.52%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%86.29% 4.73% 5.72% 0.80% 2.46%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%74.56% 10.84% 7.87% 3.62% 3.11%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%74.39% 11.38% 7.23% 4.69% 2.32%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%73.81% 8.71% 4.95% 10.31% 2.22%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%73.66% 9.27% 4.56% 10.63% 1.88%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%73.80% 9.44% 6.24% 8.36% 2.16%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%73.52% 8.56% 7.84% 8.30% 1.77%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%74.24% 10.81% 6.34% 6.87% 1.75%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%73.73% 11.25% 6.43% 6.80% 1.79%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%73.63% 10.88% 6.82% 6.73% 1.95%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%76.26% 7.20% 7.92% 7.27% 1.36%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%78.18% 6.22% 6.52% 7.82% 1.26%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesCaribe

FECHA

84.24% 1.70% 12.30% 0.78% 0.99%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%72.62% 11.81% 10.57% 3.51% 1.50%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%32.46% 23.47% 21.93% 12.70% 9.44%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

72.06% 11.65% 11.50% 2.27% 2.52%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%67.91% 12.77% 17.18% 0.14% 2.01%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%61.08% 9.45% 24.48% 2.64% 2.34%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%71.15% 9.41% 9.46% 7.76% 2.22%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%62.23% 17.00% 9.63% 8.65% 2.48%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%64.50% 19.37% 8.73% 2.80% 4.60%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%67.65% 12.06% 13.59% 2.12% 4.59%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%67.02% 10.40% 13.50% 4.39% 4.70%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%66.51% 9.60% 14.63% 2.30% 6.96%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%68.23% 9.92% 17.48% 0.67% 3.70%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%76.90% 6.94% 11.75% 0.73% 3.69%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%43.38% 24.85% 17.40% 8.59% 5.77%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%41.10% 26.70% 17.07% 11.19% 3.94%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%40.83% 18.33% 10.32% 26.80% 3.72%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%38.54% 20.11% 9.37% 29.01% 2.96%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%37.52% 22.00% 14.29% 22.20% 4.00%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%38.91% 17.66% 18.53% 21.78% 3.12%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%35.58% 25.98% 15.15% 18.53% 4.77%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%33.55% 27.93% 15.11% 18.60% 4.80%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%35.40% 25.22% 16.32% 18.42% 4.64%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%40.35% 15.28% 20.69% 20.56% 3.13%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%46.60% 11.41% 16.62% 22.59% 2.77%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ConsumoBancos MltiplesCaribe

FECHA

90.56% 4.71% 1.94% 0.96% 1.83%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%90.45% 4.56% 1.75% 1.61% 1.63%31-mar-11 92.73% 2.73% 1.59% 1.60% 1.35%89.26% 4.88% 2.60% 1.45% 1.81%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

88.73% 4.93% 3.53% 1.15% 1.66%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%89.43% 5.03% 2.13% 1.49% 1.92%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%89.30% 4.93% 2.32% 1.32% 2.12%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%91.03% 3.99% 1.80% 1.61% 1.57%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%90.19% 4.46% 2.14% 1.38% 1.83%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%91.55% 3.33% 1.92% 1.34% 1.85%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%91.65% 3.18% 1.85% 1.24% 2.09%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%91.34% 3.81% 1.50% 1.39% 1.96%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%91.16% 4.06% 1.66% 1.18% 1.95%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%91.23% 3.74% 1.84% 1.03% 2.16%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%91.46% 3.65% 1.92% 0.94% 2.03%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%92.04% 3.35% 1.80% 0.99% 1.83%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%92.20% 3.44% 1.69% 1.03% 1.64%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%91.30% 3.96% 2.04% 1.11% 1.59%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%91.40% 3.83% 2.15% 1.13% 1.50%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%91.76% 3.48% 2.16% 1.21% 1.40%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%90.70% 4.18% 2.52% 1.37% 1.23%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%93.06% 3.31% 1.96% 1.34% 0.33%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%92.74% 3.60% 1.97% 1.36% 0.34%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%92.10% 3.90% 1.96% 1.29% 0.74%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%93.38% 3.17% 1.82% 1.06% 0.57%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%93.10% 3.43% 1.80% 1.05% 0.62%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos HipotecariosBancos MltiplesCaribe

FECHA

91.83% 7.51% 0.66% 0.00% 0.00%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%93.30% 3.16% 3.54% 0.00% 0.00%31-mar-11 93.72% 2.28% 1.87% 0.74% 1.39%97.78% 1.48% 0.74% 0.00% 0.00%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

94.71% 5.29% 0.00% 0.00% 0.00%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%99.48% 0.52% 0.00% 0.00% 0.00%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%

100.00% 0.00% 0.00% 0.00% 0.00%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%94.85% 2.85% 2.31% 0.00% 0.00%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%90.46% 7.13% 2.41% 0.00% 0.00%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%95.10% 4.36% 0.53% 0.00% 0.00%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%94.21% 1.42% 4.37% 0.00% 0.00%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%90.62% 4.78% 4.60% 0.00% 0.00%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%89.16% 5.98% 4.85% 0.00% 0.00%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%88.88% 3.57% 7.55% 0.00% 0.00%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%89.46% 2.82% 7.72% 0.00% 0.00%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%88.87% 1.20% 9.93% 0.00% 0.00%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%88.50% 2.74% 5.33% 3.44% 0.00%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%90.41% 0.72% 2.91% 5.96% 0.00%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%89.84% 3.90% 2.21% 4.05% 0.00%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%92.31% 0.71% 2.94% 4.05% 0.00%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%90.16% 2.97% 2.85% 4.01% 0.00%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%90.58% 5.40% 3.36% 0.66% 0.00%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%92.36% 1.36% 5.60% 0.00% 0.67%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%88.76% 5.59% 5.64% 0.00% 0.00%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%92.60% 5.24% 2.17% 0.00% 0.00%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%90.70% 7.21% 2.09% 0.00% 0.00%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Cartera TotalBancos MltiplesBDI

FECHA

52.41% 18.49% 10.98% 12.77% 5.36%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%58.40% 15.78% 11.37% 11.40% 3.06%31-mar-11 63.98% 13.32% 9.91% 9.01% 3.78%61.65% 11.35% 13.43% 11.68% 1.88%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

62.75% 11.10% 13.36% 11.12% 1.66%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%59.20% 12.70% 17.01% 9.45% 1.64%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%56.57% 15.36% 15.93% 10.38% 1.77%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%59.09% 12.44% 13.27% 12.23% 2.96%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%58.60% 13.05% 13.47% 11.90% 2.98%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%59.18% 12.36% 13.75% 11.93% 2.77%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%58.82% 13.32% 13.33% 11.65% 2.86%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%56.70% 15.66% 13.53% 11.06% 3.05%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%56.54% 15.34% 13.51% 11.62% 2.99%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%57.05% 15.07% 13.38% 11.53% 2.97%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%63.52% 11.87% 12.43% 9.93% 2.25%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%59.62% 14.53% 11.54% 11.77% 2.55%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%60.49% 13.16% 11.61% 11.84% 2.89%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%60.38% 13.11% 11.55% 12.10% 2.86%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%60.40% 10.54% 10.40% 14.65% 4.01%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%59.84% 10.90% 10.70% 14.41% 4.15%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%58.99% 11.86% 11.72% 13.56% 3.87%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%58.23% 11.18% 14.02% 12.93% 3.65%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%57.29% 10.92% 14.94% 13.34% 3.51%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%57.50% 10.57% 13.66% 14.96% 3.31%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%54.36% 12.76% 14.62% 15.28% 2.98%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%55.17% 11.68% 15.34% 14.74% 3.08%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

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CARTERA DE CREDITOSCLASIFICACIN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRDITO

Crditos ComercialesBancos MltiplesBDI

FECHA

34.57% 25.28% 15.09% 17.89% 7.17%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%43.37% 21.19% 15.73% 15.86% 3.85%31-mar-11 48.68% 18.97% 14.22% 13.07% 5.06%48.56% 14.03% 18.73% 16.40% 2.28%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

48.46% 15.10% 18.75% 15.80% 1.90%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%45.02% 16.46% 23.51% 13.16% 1.85%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%40.74% 20.59% 22.21% 14.56% 1.89%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%43.12% 17.10% 18.68% 17.19% 3.91%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%43.03% 17.78% 18.67% 16.72% 3.80%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%43.39% 17.02% 19.44% 16.73% 3.41%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%43.70% 17.85% 18.70% 16.37% 3.38%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%41.41% 20.72% 18.66% 15.45% 3.76%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%40.84% 20.78% 18.35% 16.10% 3.92%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%41.07% 20.63% 18.36% 16.10% 3.83%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%50.64% 15.64% 17.03% 13.90% 2.79%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%46.10% 18.84% 15.48% 16.47% 3.10%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%46.93% 17.55% 15.83% 16.15% 3.54%31-jul-13 53.40% 19.21% 10.59% 11.6