Indicadores Financieros Banco LAFISE

7/29/2019 Indicadores Financieros Banco LAFISE

1/19

INDICADORES FINANCIEROS JULIO 2014

Preparado por Jos Alfredo Guerrero. Reportes generados con base de datos en Access, desarrollada por elautor con la informacin de la Superintendencia de Bancos publicada en su portal.


2/19

INDICADORES ESTRUCTURA DE ACTIVOS

Lafise

Total Cartera de Crditos/Activos Netos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

D

-09

J-10

D

-10

J-11

D

-11

J-12

D

-12

F-13

A

-13

J-13

Ag-13

O

-13

D

-13

F-14

A

-14

J-14

Total Banco

(Crditos Vigentes + Inversiones)/Activos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Activos del Banco y Participacin en Total

0

100

200

300

400

500

600

700800

900

1000

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-14

0.00E+00

1.00E-02

2.00E-02

3.00E-02

4.00E-02

5.00E-02

6.00E-02

7.00E-028.00E-02

9.00E-02

1.00E-01

MM RD$ % Total

Total Inversiones/Activos Netos

0.0

5.0

10.0

15.0

20.0

25.0

30.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

A

g-13

O-13

D-13

F-14

A-14

J-14

Total Banco


3/19

Lafise

Bienes Recibidos en Recuperacin de

Crditos/Activos Netos

0.0

0.2

0.4

0.6

0.8

1.0

1.2

1.4

1.6

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tot al Banco

Activos Fijos Brutos/Activos Brutos

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Otros Activos/Activos Netos

0.0

5.0

10.0

15.0

20.0

25.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Disponibilidades/Activos Netos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tota l Banco


4/19

INDICADORES ESTRUCTURA DE PASIVOS

Lafise

Total Captaciones/Total Pasivos

0.0

20.0

40.0

60.0

80.0

100.0

120.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Pasivos del Banco y Participacin en Total

0

100

200

300

400

500

600

700

800

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-140.00E+00

1.00E-02

2.00E-02

3.00E-02

4.00E-02

5.00E-02

6.00E-02

7.00E-02

8.00E-02

9.00E-02

MM RD$ % Total

Total Depsitos/Total Captaciones

0.0

20.0

40.0

60.0

80.0

100.0

120.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13 E-14

M-14

M-14

J-14

Tota l Banco

Total Valores Circulacin/Total Captaciones

0.0

5.0

10.0

15.0

20.0

25.0

30.0

S-10M-11 S-11M-12 S-12 E-13 M-13 M-13 Jl-13

S-13 N-13 E-14M-14 M-14 J-14

Total Banco


5/19

Lafise

Depsitos a la Vista/Total Depsitos

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

S-10

M-11 S-11

M-12 S-12

E-13

M-13 M-13 Jl-13

S-13

N-13 E-14

M-14 M-14 J-14

Tota l Ba nco

Depsitos Ahorro/Total Depsitos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.080.0

90.0

100.0

S-10M-11 S-11M-12 S-12 E-13M-13 M-13 Jl-13 S-13 N-13 E-14M-14 M-14 J-14

Total Banco

Activos Productivos/Total Pasivos

0.0

200.0

400.0

600.0

800.0

1,000.0

1,200.01,400.0

1,600.0

1,800.0

2,000.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tota l Ba nco

Total Pasivos/Total Activos Netos

0.0

10.0

20.0

30.0

40.0

50.0

60.070.0

80.0

90.0

100.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14M

-14

J-14

Total Banco


6/19

INDICADORES CARTERA DE PRESTAMOS

Lafise

Cartera Cobranza Judicial/Cartera Bruta

0.0

0.5

1.0

1.5

2.0

2.5

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

A

g-13

O-13

D-13

F-14

A-14

Total Banco

Total Cartera Vencida/Cartera Bruta

0.0

1.0

2.0

3.0

4.0

5.0

6.0

7.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

A

g-13

O-13

D-13

F-14

A-14

J-14

Tota l Banco

Cartera Vigente/Cartera Bruta

91.0

92.0

93.0

94.0

95.0

96.0

97.0

98.0

99.0

100.0

101.0

D-09 J-

10D-10 J-

11D-11 J-

12D-12

F-13

A-13 J-

13

Ag-13

O-13 D

-13F-

14A-14 J-

14

Total Banco

Cartera Bruta Banco y Participacin en el Total

0

50

100

150

200

250

M-13

J-13 Jl-13

Ag-13

S-13

O-13

N-13

D-13

E-14

F-14

M-14

A-14

M-14

J-14J-14

0

0.005

0.01

0.015

0.02

0.025

0.03

0.035

0.04

0.045

MM RD$ % Total


7/19

Lafise

Provisin Cartera Crdito/Cartera Vencida

0.0

50,000.0

100,000.0

150,000.0

200,000.0

250,000.0

D

-09

J-10

D

-10

J-11

D

-11

J-12

D

-12

F

-13

A

-13

J-13

Ag-13

O

-13

D

-13

F

-14

A

-14

J-14

Total Banco

Provisiones Cartera Crdito por Banco y Participacin en el

Total

0

0.5

1

1.5

2

2.5

3

3.5

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-14

0

0

0

0

0

0

0

0

0

0MM RD$ % Total

Cartera Reestructurada/Cartera Bruta

0.0

0.2

0.4

0.6

0.8

1.0

1.2

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Cartera Vencida/Cartera Bruta

0.0

0.5

1.0

1.5

2.0

2.5

D-09 J-10 D-10 J-11 D-11 J-12 D-12 F-13 A-13 J-13 Ag-13 O-13 D-13 F-14 A-14 J-14

Tota l Banco


8/19

INDICADORES CARTERA DE PRESTAMOS

Lafise

Cartera Vigente ME/Cartera Crdito

0.0

20.0

40.0

60.0

80.0

100.0

120.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Cartera Vigente MN/Cartera Crdito

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

90.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Tota l Ba nco

Cartera e Inversiones Vigentes y % Sistema

0

50

100

150

200

250

300

350

400

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-14

0.00E+00

1.00E-02

2.00E-02

3.00E-02

4.00E-02

5.00E-02

6.00E-02

MM RD$ % Total

Cartera Vencida y Cobranza Judicial y % Sistema

0

0.005

0.01

0.015

0.02

0.025

0.03

M-

13

J-

13

Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-

14

J-

14

0

0.00005

0.0001

0.00015

0.0002

0.00025MM RD$ % Total


9/19

INDICADORES LIQUIDEZ

Lafise

Disponibilidades/Total de Captaciones

0.0

5,000.0

10,000.0

15,000.0

20,000.0

25,000.0

D-0

9

J-1

0

D-1

0

J-1

1

D-1

1

J-1

2

D-1

2

F-1

3

A-1

3

J-1

3

Ag-1

3

O-1

3

D-1

3

F-1

4

A-1

4

J-1

4

Total Banco

Disponibilidades/Total Captaciones + Oblig. Con

Costo

0.0

5,000.0

10,000.0

15,000.0

20,000.0

25,000.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Disponib.+ Inversiones e n Depsitos y

Valores/Total Activos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Disponibilidades y Participacin en el Total

0

100

200

300

400

500

600

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-14

0.00E+00

5.00E-02

1.00E-01

1.50E-01

2.00E-01

2.50E-01

3.00E-01

MM RD$ % Total


10/19

Lafise

Activos Productivos/Total Captaciones + Oblig. Con Costo

0.0

1,000.0

2,000.0

3,000.0

4,000.0

5,000.0

6,000.0

7,000.0

8,000.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Disponibilidades en Banco Central

0

50

100

150

200

250

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-14

0.00E+00

2.00E-02

4.00E-02

6.00E-02

8.00E-02

1.00E-01

1.20E-01

1.40E-01

1.60E-01

1.80E-01

MM RD$ % Total

Disponibilidades en Caja

0

2

4

6

8

1012

14

16

18

20

M-

13

J-

13

Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-

14

J-

14

0.00E+00

1.00E-02

2.00E-02

3.00E-02

4.00E-02

5.00E-02

6.00E-02

7.00E-02

8.00E-02

9.00E-02

MM RD$ % Total


11/19

ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS

Lafise

Sueldos y compensaciones al personal/Total

Gastos Generales y Administrativos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Otros Gastos gene rales/Total Gastos grales. y

Admtivos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Total Gastos grales. y Admtivos/Total Gastos

0.0

20.0

40.0

60.0

80.0

100.0

120.0

D-09

J-10 D-10

J-11 D-11

J-12 D-12

F-13 A-13

J-13Ag-1

3O-13 D-1

3F-14 A-1

4J-14

Total Banco

Gastos Generales y Administrativos y % Total

0

10

20

30

40

50

60

70

M-

13

J-13 Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-14J-14

0.00E+00

2.00E-02

4.00E-02

6.00E-02

8.00E-02

1.00E-01

1.20E-01

1.40E-01

MM RD$ % Total


12/19

INDICADORES DE GESTION

Lafise

Gastos Operacionales / Ingresos Operacionales

Brutos

0.0

200.0

400.0

600.0

800.0

1,000.0

1,200.0

1,400.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Gastos de Explotacin / Margen Operacional Bruto

(Cost / Income)

0.0

100.0

200.0

300.0

400.0

500.0

600.0

700.0

800.0

900.0

1,000.0

D-09 J-10 D-10 J-11 D-11 J-12 D-12 F-13 A-13 J-13 Ag-13

O-13 D-13 F-14 A-14 J-14

Total Banco

Total Gastos grales. y Admtivos /Total Captaciones

+ Oblig. Con Costo)

0.0

2,000.0

4,000.0

6,000.0

8,000.0

10,000.0

12,000.0

D-09 J-10 D-10 J-11 D-11 J-12 D-12 F-13 A-13 J-13Ag-13

O-13 D-13 F-14 A-14 J-14

Total Banco

Gastos Financieros/Total Captaciones + Oblig. Con

Costo

0.0

0.5

1.0

1.5

2.0

2.5

3.03.5

4.0

4.5

5.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

A

g-13

O-13

D-13

F-14

A-14

J-14

Total Banco


13/19

Lafise

Gastos Financieros / Activos Financieros (CF)

0.0

0.5

1.0

1.5

2.0

2.5

3.03.5

4.0

4.5

5.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Gastos Financieros / Activos Productivos (CE)

0.0

1.0

2.0

3.0

4.0

5.0

6.0

7.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Gastos Financieros / Ingresos Financieros

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

45.0

50.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Gastos de Explotacin / Activos Productivos

0.0

20.0

40.0

60.0

80.0

100.0

120.0

140.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco


14/19

INDICADORES DE GESTION

Lafise

Gastos Generales y Administrativos /

No. Empleados ( MM RD$)

0.0

0.5

1.0

1.5

2.0

2.5

S-10 M-11 S-11 M

-12 S-12 E-13 M-13

M-13 Jl-13 S-13 N-13 E-14 M

-14M

-14 J-14

Total BancoGasto de Personal / Gastos de Explotacin

0.0

10.0

20.0

30.0

40.0

50.0

60.0

S-10 M-11 S-11 M

-12 S-12 E-13 M-13

M-13 Jl-13 S-13 N-13 E-14 M

-14M

-14 J-14

Total Banco

No. de Empleados / Total de Oficinas

(Nmero de personas)

29.0

30.0

31.0

32.0

33.0

34.0

35.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Gastos de Personal / No. Empleados (MM RD$)

0.0

0.2

0.4

0.6

0.8

1.0

1.2

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco


15/19

Lafise

Activos Productiv os / No. Empleados

(MM RD$)

0.0

5.0

10.0

15.0

20.0

25.0

30.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-1

3

S-13

N-13

E-14

M-14

M-14

J

-14

Total Banco

Activos Totales bruto / No. Empleados (MM RD$)

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

40.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-1

3

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Activos Totales bruto / No. oficinas (MM RD$)

0.0

200.0

400.0

600.0

800.0

1,000.0

1,200.0

1,400.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco


16/19

INDICADORES RENTABILIDAD

Lafise

Activos Productivos/Total Pasivos

0.0

200.0

400.0

600.0

800.0

1,000.0

1,200.0

1,400.0

1,600.0

1,800.0

2,000.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-

13

J-13

Ag-

13

O-13

D-13

F-14

A-

14

J-14

Total Banco

Rentabilidad de los Activos

-90.0

-80.0

-70.0

-60.0

-50.0

-40.0

-30.0

-20.0

-10.0

0.0

10.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tota l Banco

Rentabilidad Patrimonial

-100.0

-80.0

-60.0

-40.0

-20.0

0.0

20.0

40.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tota l Banco

Resultados despus de Impto y % en el Total

-45

-40

-35

-30

-25

-20

-15

-10

-5

0

M-

13

J-13 Jl-13S-13 O-

13

N-13D-13E-14F-14 M-

14

A-14 M-

14

J-14 J-14

-0.3

-0.25

-0.2

-0.15

-0.1

-0.05

0

MM RD$ % Total


17/19

Lafise

Activos Productivos/Activos Totales Brutos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Tota l Banco

Ingresos Financieros/ Activos Productivos

0.0

5.0

10.0

15.0

20.0

25.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tota l Ba nco

Margen Intermediacin Neto (MIN)/Margen Operacional

Bruto

62.0

64.0

66.0

68.0

70.0

72.0

74.0

76.0

78.0

80.0

S-10 D -10 M -11 J -11 S-11

Total Banco

Margen Intermediacin Neto (MIN) / Activos Productivos

0.0

2.0

4.0

6.0

8.0

10.0

12.0

14.0

16.0

S -10 D-10 M -11 J -11 S -11

Tota l Ba nco


18/19

INDICADORES DE CAPITAL

Lafise

Capital Circulacin + Reserva Legal/Pasivos +

Patrimonio

0.0

20.0

40.0

60.0

80.0

100.0

120.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Total Banco

Indice de Solvencia

0.0

20.0

40.0

60.0

80.0

100.0

120.0

140.0

S-10

M-11

S-11

M-12

S-12

E-13

M-13

M-13

Jl-13

S-13

N-13

E-14

M-14

M-14

J-14

Total Banco

Endeudamiento (Pasivos/Patrimonio Neto) Veces

0.0

2.0

4.0

6.0

8.0

10.0

12.0

S-10 M-11 S-11 M-12 S-12 E-13 M-13 M-13 Jl-13 S-13 N-13

E-14 M-14 M-14 J-14

Tota l Ba nco

Activos netos/Patrimonio Neto (Veces)

0.0

2.0

4.0

6.0

8.0

10.0

12.0

S-10 M-11 S-11 M-12 S-12 E-13 M-13 M-13 Jl-13 S-13 N-13

E-14 M-14 M-14 J-14

Total Banco


19/19

Lafise

Activos Improductivos / Patrimonio Neto (Veces)

0.0

0.5

1.0

1.5

2.0

2.5

3.0

3.5

4.0

S-10 M-11 S-11 M-12 S-12 E-13 M-13 M-13 Jl-13 S-13 N-13 E-14 M-14 M-14 J-14

Total Banco

Cartera de Crdito Vencida (Capital)/ Patrimonio

Neto

0.0

5.0

10.0

15.0

20.0

25.0

D-10 J-11 D-11 J-12 D-12 F-13 A-13 J-13 Ag-13 O-13 D-13 F-14 A-14 J-14

Total Banco

Total Captaciones/Pasivos + Patrimonio

0.0

10.0

20.0

30.0

40.0

50.0

60.070.0

80.0

90.0

100.0

D-09

J-10

D-10

J-11

D-11

J-12

D-12

F-13

A-13

J-13

Ag-13

O-13

D-13

F-14

A-14

J-14

Tota l Ba nco

Patrimonio Neto y % en el Sistema

0

20

40

60

80

100

120

140

160

180

M-

13

J-

13

Jl-

13

Ag-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-

14

M-

14

A-

14

M-

14

J-

14

J-

14

0

0.05

0.1

0.15

0.2

0.25

MM RD$ % Total

Indicadores Financieros Banco LAFISE

Documents

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