boletín estadístico banca múltiple cartera de crédito y ......6 cartera de crédito a empresas...

Boletín EstadísticoBanca MúltipleCartera de crédito y captación

Septiembre 2010

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El siguiente contenido fue elaborado por personal de la Comisión Nacional Bancaria y de Valores, a partir de la información disponible al 3 de noviembre de 2010, recibida en los Reportes Regulatorios que las entidades supervisadas

envían a esta Comisión.

La información se refiere a las cifras consolidadas con fideicomisos udis sinsubsidiarias, con excepción de las Sociedades Financieras de Objeto Múltiple

que administran porcentajes significativos de cartera de la Banca.

Información de Balance: Cartera de Créditosy Captación

Agosto - Septiembre 2010

5

Cartera Total IMOR2 ICOR3 EPRC4 / Cartera Total Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10 mdp % mdp % % % % % % %

SISTEMA 2,060,936.9 100.00 2,042,526.3 100.00 2.49 2.61 196.40 186.88 4.88 4.88

BBVA BANCOMER 554,258.3 26.89 545,007.5 26.68 2.96 3.14 147.82 140.30 4.38 4.41

BANAMEX 337,500.9 16.38 343,152.3 16.80 1.67 1.60 236.83 240.14 3.96 3.84

BANORTE 237,799.0 11.54 232,221.7 11.37 1.95 2.02 152.39 140.82 2.97 2.84

SANTANDER 219,743.3 10.66 210,747.9 10.32 1.43 1.52 338.92 335.75 4.85 5.11

INBURSA 173,037.9 8.40 176,179.7 8.63 1.72 1.98 615.60 515.80 10.59 10.21

HSBC 163,456.9 7.93 159,089.7 7.79 3.55 3.80 175.21 166.20 6.23 6.32

SCOTIABANK 102,951.4 5.00 103,091.0 5.05 3.87 3.95 101.98 99.86 3.94 3.94

BANCO DEL BAJÍO 61,178.7 2.97 61,138.2 2.99 2.74 2.94 100.06 86.54 2.74 2.54

INTERACCIONES 41,380.3 2.01 42,094.3 2.06 1.00 1.13 266.72 241.22 2.67 2.72

IXE 28,729.4 1.39 28,195.8 1.38 1.10 1.16 244.35 232.37 2.68 2.70

BANCO AZTECA 22,674.2 1.10 22,836.9 1.12 5.31 6.03 139.18 133.81 7.39 8.06

BANREGIO 18,649.1 0.90 18,604.9 0.91 2.61 2.61 196.33 195.44 5.12 5.09

BANCA MIFEL 15,768.7 0.77 15,742.3 0.77 2.61 2.76 114.34 99.01 2.98 2.74

BANCO AHORRO FAMSA 9,709.5 0.47 9,763.4 0.48 11.51 12.58 135.03 132.23 15.55 16.63

AFIRME 9,581.4 0.46 9,778.2 0.48 5.54 5.21 94.86 93.95 5.25 4.90

COMPARTAMOS 8,784.5 0.43 8,979.0 0.44 1.97 1.93 152.28 149.91 3.00 2.89

VE POR MÁS 8,597.1 0.42 8,302.6 0.41 2.44 2.40 105.19 109.02 2.57 2.62

AMERICAN EXPRESS 8,208.1 0.40 8,328.4 0.41 8.04 8.14 173.92 169.31 13.99 13.79

INVEX 7,961.8 0.39 7,951.8 0.39 3.03 2.74 233.25 261.88 7.07 7.17

MULTIVA 6,483.8 0.31 6,778.5 0.33 3.40 5.79 75.23 97.67 2.56 5.65

BANSÍ 6,221.9 0.30 6,055.9 0.30 3.02 2.83 279.60 300.74 8.44 8.51

ING 4,480.6 0.22 4,613.2 0.23 - - - - 1.53 1.48

BANCOPPEL 3,023.8 0.15 2,744.6 0.13 17.22 18.13 119.97 114.77 20.65 20.81

MONEX 2,376.6 0.12 2,286.8 0.11 3.63 3.26 99.71 104.65 3.62 3.41

VOLKSWAGEN BANK 1,755.2 0.09 1,640.9 0.08 2.81 2.95 173.45 159.85 4.88 4.71

AUTOFIN 1,675.1 0.08 1,574.2 0.08 2.78 2.77 113.28 119.67 3.15 3.31

BANK OF TOKYO-MITSUBISHI UFJ 1,547.8 0.08 1,634.8 0.08 - - - - 3.58 2.89

DEUTSCHE BANK 552.6 0.03 549.2 0.03 - - - - 0.53 0.53

BANCO WAL-MART 541.0 0.03 424.4 0.02 1.88 2.58 336.16 302.63 6.32 7.82

BANCO REGIONAL 521.3 0.03 956.4 0.05 0.96 0.52 174.23 743.04 1.67 3.88

CIBANCO 479.6 0.02 498.4 0.02 - - - - 0.56 0.55

BANK OF AMERICA 441.1 0.02 440.8 0.02 - - - - 8.62 9.78

J.P. MORGAN 256.6 0.01 219.1 0.01 - - - - 2.94 2.08

ACTINVER 218.2 0.01 250.5 0.01 - - - - 0.50 0.50

BANCO AMIGO 166.7 0.01 234.1 0.01 7.85 13.44 84.95 68.10 6.67 9.15

BANCO FÁCIL 164.2 0.01 172.5 0.01 15.62 16.45 157.19 152.59 24.56 25.11

THE ROYAL BANK OF SCOTLAND 60.3 0.00 246.0 0.01 - - - - 9.12 2.81

1/ Se incluye la información de la cartera de crédito de las sociedades financieras de objeto múltiple, entidades reguladas (SOFOMER), que administran la mayor parte de la cartera de crédito al consumo de algunos bancos. Debido a esta inclusión habrá diferencias con el saldo registrado en el estado de contabilidad agregado del sistema bancario. En esta información, el saldo de cartera de consumo se eleva por el monto de la cartera registrada por las SOFOMER, mientras que la cartera a entidades financieras se reduce por el monto de las líneas de crédito comerciales que los bancos mantienen abiertas a dichas SOFOMER. Las reservas preventivas también son ajustadas

2/ IMOR = Indice de Morosidad = Cartera Vencida / Cartera Total 3/ ICOR = Indice de Cobertura = EPRC / Cartera Vencida. (Para efectos de presentación se limita a 1,000% el cálculo) 4/ EPRC = Estimaciones Preventivas para Riesgos Crediticios (saldo de balance). No se incluye el desglose de EPRC adicionales por tipo de cartera.

Cartera de Crédito Total

Importante: Cifras consolidadas con fideicomisos UDIS sin subsidiarias1/

(Millones de pesos y porcentajes)

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Cartera de Crédito a Empresas




SISTEMA 952,151.4 100.00 938,378.6 100.00 1.81 2.00 220.10 192.85 3.99 3.85

BBVA BANCOMER 207,406.4 21.78 204,664.3 21.81 2.39 2.65 95.76 83.15 2.29 2.20

INBURSA 132,893.6 13.96 136,136.9 14.51 1.82 2.19 655.14 503.56 11.91 11.02

BANAMEX 131,639.4 13.83 131,852.4 14.05 0.55 0.53 393.80 405.08 2.16 2.13

SANTANDER 129,285.8 13.58 120,296.8 12.82 0.81 0.89 185.72 170.76 1.50 1.52

BANORTE 104,763.4 11.00 101,320.5 10.80 2.31 2.44 123.06 101.59 2.84 2.48

HSBC 75,786.4 7.96 72,616.6 7.74 2.39 2.55 221.30 202.73 5.28 5.17

BANCO DEL BAJÍO 37,436.1 3.93 37,452.1 3.99 2.99 3.30 86.05 62.85 2.57 2.08

SCOTIABANK 34,064.8 3.58 34,549.2 3.68 1.27 1.26 258.40 261.26 3.29 3.29

IXE 17,644.2 1.85 17,451.1 1.86 1.17 1.23 170.62 165.27 2.00 2.03

BANREGIO 14,253.5 1.50 13,869.8 1.48 1.81 1.82 267.25 265.45 4.83 4.82

BANCA MIFEL 9,534.9 1.00 9,329.5 0.99 3.40 3.80 64.20 59.61 2.18 2.26

INTERACCIONES 9,345.0 0.98 9,980.7 1.06 4.29 4.64 121.27 116.83 5.21 5.43

BANCO AZTECA 7,357.0 0.77 7,509.1 0.80 0.79 0.79 211.25 213.06 1.66 1.69

VE POR MÁS 7,093.3 0.74 6,871.0 0.73 2.92 2.88 91.58 90.66 2.67 2.61

MULTIVA 5,894.1 0.62 6,183.0 0.66 3.61 6.11 71.99 93.52 2.60 5.72

INVEX 5,756.3 0.60 5,655.9 0.60 1.51 1.37 368.19 408.85 5.58 5.61

BANSÍ 5,263.6 0.55 5,133.6 0.55 3.55 3.32 267.88 289.30 9.52 9.61

AFIRME 4,981.6 0.52 5,243.3 0.56 5.64 5.32 82.69 79.38 4.66 4.22

ING 3,835.2 0.40 3,949.8 0.42 - - - - 1.24 1.23

MONEX 2,205.1 0.23 2,108.6 0.22 3.92 3.53 96.80 100.99 3.79 3.57

BANK OF TOKYO-MITSUBISHI UFJ 1,547.8 0.16 1,634.8 0.17 - - - - 3.55 2.87

BANCO AHORRO FAMSA 975.7 0.10 1,044.6 0.11 0.02 0.02 1,000.00 1,000.00 3.02 2.64

AUTOFIN 933.1 0.10 839.4 0.09 0.43 0.47 268.57 259.92 1.15 1.23

DEUTSCHE BANK 552.6 0.06 549.2 0.06 - - - - 0.50 0.50

BANCO WAL-MART 397.0 0.04 300.4 0.03 0.00 0.00 1,000.00 1,000.00 0.84 0.65

BANK OF AMERICA 351.8 0.04 358.2 0.04 - - - - 9.68 9.91

CIBANCO 317.4 0.03 311.1 0.03 - - - - 0.53 0.54

J.P. MORGAN 230.1 0.02 170.7 0.02 - - - - 2.95 2.10

BANCO AMIGO 132.6 0.01 198.7 0.02 8.93 15.23 78.51 64.90 7.01 9.88

BANCOPPEL 125.0 0.01 - - - - - - 0.99 -


BANCO REGIONAL 50.4 0.01 479.9 0.05 - - - - 0.36 6.18

ACTINVER 37.7 0.00 71.4 0.01 - - - - 0.50 0.50

1/ Se incluye la información de la cartera de crédito de las sociedades financieras de objeto múltiple, entidades reguladas (SOFOMER), que administran la mayor parte de la cartera de crédito

al consumo de algunos bancos. Debido a esta inclusión habrá diferencias con el saldo registrado en el estado de contabilidad agregado del sistema bancario. En esta información, el saldo de cartera de consumo se eleva por el monto de la cartera registrada por las SOFOMER, mientras que la cartera a entidades financieras se reduce por el monto de las líneas de crédito comerciales que los bancos mantienen abiertas a dichas SOFOMER. Las reservas preventivas también son ajustadas


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Cartera de Crédito a Entidades Financieras




SISTEMA 67,239.7 100.00 69,437.2 100.00 0.01 0.00 1,000.00 1,000.00 2.75 3.01

HSBC 11,947.9 17.77 11,743.9 16.91 - - - - 2.26 1.97

BANAMEX 11,306.6 16.82 15,702.4 22.61 - - - - 2.53 1.95

BBVA BANCOMER 9,640.9 14.34 8,459.5 12.18 0.00 0.00 - - 0.67 0.81

INBURSA 9,220.0 13.71 9,224.9 13.29 - - - - 7.80 11.12

BANORTE 7,270.1 10.81 6,111.7 8.80 - - - - 0.85 0.86

SANTANDER 4,139.4 6.16 4,193.0 6.04 - - - - 3.85 3.90

BANCO DEL BAJÍO 2,810.3 4.18 2,630.9 3.79 - - - - 2.39 1.86

SCOTIABANK 2,602.0 3.87 2,562.2 3.69 - - - - 6.03 5.01

IXE 2,188.7 3.26 2,524.7 3.64 - - - - 0.94 0.86

INVEX 1,471.5 2.19 1,528.5 2.20 - - - - 0.76 0.64

VE POR MÁS 1,457.4 2.17 1,384.8 1.99 0.13 0.09 404.37 597.14 0.54 0.54

BANCA MIFEL 682.0 1.01 672.0 0.97 0.50 0.02 109.29 1,000.00 0.55 0.47

ING 645.4 0.96 663.5 0.96 - - - - 0.50 0.50

INTERACCIONES 463.0 0.69 481.0 0.69 - - - - 0.94 0.50

BANCO AHORRO FAMSA 295.9 0.44 155.7 0.22 - - - - - -

MULTIVA 266.8 0.40 267.5 0.39 - - - - 0.17 0.18

AFIRME 216.9 0.32 224.2 0.32 - - - - 0.95 0.96

MONEX 171.4 0.25 178.2 0.26 - - - - 0.65 0.65

CIBANCO 151.1 0.22 179.0 0.26 - - - - 0.50 0.50

BANREGIO 143.1 0.21 408.3 0.59 - - - - 0.59 0.90

BANK OF AMERICA 83.0 0.12 76.0 0.11 - - - - 4.76 9.99

AUTOFIN 40.0 0.06 16.9 0.02 - - - - 0.56 0.65

J.P. MORGAN 26.4 0.04 48.4 0.07 - - - - 1.00 1.00




8

Cartera de Crédito a Entidades Gubernamentales




SISTEMA 298,343.5 100.00 295,869.7 100.00 0.09 0.00 1,000.00 1,000.00 1.17 1.11

BBVA BANCOMER 79,222.6 26.55 76,641.9 25.90 0.01 0.01 1,000.00 1,000.00 0.67 0.71

BANAMEX 52,128.4 17.47 53,796.0 18.18 0.49 0.00 277.36 1,000.00 1.36 0.91

BANORTE 44,434.6 14.89 44,193.8 14.94 - - - - 0.83 0.84

INTERACCIONES 31,122.9 10.43 31,178.9 10.54 0.00 0.00 1,000.00 1,000.00 1.88 1.87

HSBC 25,343.1 8.49 24,222.6 8.19 - - - - 0.93 1.15

INBURSA 19,755.3 6.62 19,695.5 6.66 - - - - 2.27 2.32

BANCO DEL BAJÍO 14,357.2 4.81 14,478.2 4.89 - - - - 1.31 1.32

SANTANDER 12,341.8 4.14 12,702.0 4.29 - - - - 0.54 0.51

SCOTIABANK 6,313.1 2.12 6,070.4 2.05 - - - - 0.78 0.62

IXE 5,421.9 1.82 4,805.0 1.62 - - - - 0.55 0.55

BANCA MIFEL 4,762.0 1.60 4,974.2 1.68 0.03 - 1,000.00 - 4.69 3.59

AFIRME 1,807.7 0.61 1,765.9 0.60 - - - - 1.14 1.08

BANSÍ 918.4 0.31 883.9 0.30 - - - - 2.15 1.99

BANREGIO 414.5 0.14 461.3 0.16 0.16 0.15 1,000.00 1,000.00 3.49 4.08



9

Cartera de Crédito a la Vivienda




SISTEMA 355,663.5 100.00 353,638.1 100.00 4.18 4.26 89.90 89.65 3.75 3.82

BBVA BANCOMER 142,306.4 40.01 141,505.4 40.01 4.29 4.43 126.31 126.22 5.41 5.59

BANORTE 52,925.0 14.88 52,478.0 14.84 1.52 1.47 79.54 78.68 1.21 1.16

BANAMEX 48,080.8 13.52 48,150.0 13.62 2.62 2.54 53.63 51.86 1.40 1.32

SCOTIABANK 42,957.1 12.08 42,729.2 12.08 6.13 6.35 48.27 46.14 2.96 2.93

SANTANDER 32,685.4 9.19 31,963.8 9.04 1.98 1.95 66.46 67.62 1.32 1.32

HSBC 21,478.0 6.04 21,584.3 6.10 10.13 10.27 65.94 65.95 6.68 6.77

BANCO DEL BAJÍO 6,120.9 1.72 6,120.5 1.73 8.76 8.73 72.13 73.51 6.32 6.42

BANREGIO 3,070.0 0.86 3,085.9 0.87 5.78 5.77 75.70 76.26 4.37 4.40

AFIRME 1,387.6 0.39 1,394.7 0.39 11.25 10.83 59.32 62.75 6.67 6.79

INBURSA 1,280.4 0.36 1,269.3 0.36 8.84 8.82 133.08 126.86 11.77 11.19

IXE 1,148.1 0.32 1,144.7 0.32 1.52 1.89 86.55 69.73 1.32 1.32

BANCO AZTECA 803.3 0.23 808.5 0.23 17.86 17.71 264.63 264.81 47.26 46.90

BANCA MIFEL 736.5 0.21 712.3 0.20 10.15 10.24 29.49 33.73 2.99 3.45

BANCO REGIONAL 470.9 0.13 476.5 0.13 1.05 1.04 170.87 149.19 1.80 1.55

INTERACCIONES 154.3 0.04 155.1 0.04 7.82 6.80 81.69 84.10 6.39 5.72

BANSÍ 18.1 0.01 18.2 0.01 - - - - 0.34 0.99

VE POR MÁS 8.8 0.00 9.0 0.00 - - - - 0.99 0.99

MULTIVA 8.0 0.00 8.1 0.00 - - - - 0.35 0.35

AUTOFIN 7.2 0.00 7.3 0.00 - - - - 2.09 1.47

BANK OF AMERICA 6.3 0.00 6.7 0.00 - - - - 0.35 0.35

BANCO AMIGO 6.1 0.00 6.2 0.00 - - - - 0.37 0.49

BANCO AHORRO FAMSA 4.4 0.00 4.4 0.00 - - - - 0.35 0.35



Información de Morosidad incluyendo Bursatilizaciones de Cartera de Vivienda

IMOR (%) Sep-10 Ago-10

Cartera Total Bursatilizada 3.35 3.53

Cartera Integrada: balance más bursatilizaciones 4.12 4.20

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Cartera de Crédito al Consumo Importante: Cifras consolidadas con fideicomisos UDIS sin subsidiarias1/


IMOR2/ ICOR3/ EPRC4/ / Cartera Total Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10 mdp % mdp % % % % % % %



SISTEMA 387,538.7 100.00 385,202.7 100.00 4.87 5.07 188.27 184.86 9.09 9.30

BBVA BANCOMER 115,682.0 29.85 113,736.4 29.53 4.64 4.77 141.51 139.88 6.56 6.67

BANAMEX 94,345.7 24.34 93,651.5 24.31 3.61 3.81 207.98 201.00 7.50 7.66

SANTANDER 41,290.9 10.65 41,592.4 10.80 3.52 3.63 483.25 468.75 17.00 17.02

HSBC 28,901.5 7.46 28,922.2 7.51 6.32 6.84 174.49 164.30 11.02 11.25

BANORTE 28,406.0 7.33 28,117.8 7.30 4.99 5.12 204.30 201.35 10.19 10.32

SCOTIABANK 17,014.4 4.39 17,180.0 4.46 5.37 5.36 128.79 128.62 6.92 6.89

BANCO AZTECA 14,514.0 3.75 14,519.2 3.77 6.91 8.08 117.06 113.79 6.71 7.66

INBURSA 9,888.5 2.55 9,853.0 2.56 4.53 4.00 232.75 305.03 10.54 12.21

COMPARTAMOS 8,784.5 2.27 8,979.0 2.33 1.97 1.93 152.28 149.91 3.00 2.89



BANCOPPEL 2,898.8 0.75 2,744.6 0.71 17.96 18.13 119.73 114.77 21.50 20.81

IXE 2,326.4 0.60 2,270.4 0.59 3.88 4.05 381.03 367.82 14.78 14.90

VOLKSWAGEN BANK 1,755.2 0.45 1,640.9 0.43 2.81 2.95 171.00 157.48 4.81 4.64

AFIRME 1,187.5 0.31 1,150.2 0.30 7.89 6.91 140.36 147.74 11.08 10.21

BANREGIO 768.1 0.20 779.5 0.20 6.68 6.91 181.64 178.56 12.14 12.34

INVEX 734.0 0.19 767.4 0.20 21.00 18.28 149.22 173.09 31.34 31.64

AUTOFIN 694.9 0.18 710.6 0.18 6.05 5.49 99.27 106.56 6.01 5.85

BANCO DEL BAJÍO 454.2 0.12 456.6 0.12 5.00 5.11 173.07 164.64 8.66 8.41

MULTIVA 314.9 0.08 319.9 0.08 2.43 4.46 98.61 108.81 2.40 4.85

INTERACCIONES 295.1 0.08 298.6 0.08 0.02 0.07 1,000.00 869.05 0.54 0.58

ACTINVER 180.4 0.05 179.1 0.05 - - - - 0.50 0.50

BANCO FÁCIL 164.2 0.04 172.5 0.04 15.62 16.45 157.19 152.59 24.56 25.11

BANCO WAL-MART 144.0 0.04 124.0 0.03 7.07 8.84 290.88 272.46 20.56 24.09

BANCA MIFEL 53.4 0.01 54.3 0.01 - - - - 4.95 4.81

VE POR MÁS 37.6 0.01 37.8 0.01 - - - - 0.71 0.52

BANCO AMIGO 28.0 0.01 29.2 0.01 - - - - 5.17 4.83

BANSÍ 21.8 0.01 20.1 0.01 - - - - 8.16 7.55

CIBANCO 11.1 0.00 8.3 0.00 - - - - 1.55 0.89

Cartera Total

11






SISTEMA 210,143.1 100.00 209,490.3 100.00 5.90 6.11 211.78 206.56 12.49 12.62

BBVA BANCOMER 70,412.2 33.51 69,431.3 33.14 5.90 6.08 147.58 146.11 8.70 8.88

BANAMEX 62,978.1 29.97 62,928.1 30.04 4.02 4.34 226.20 211.04 9.10 9.16

SANTANDER 24,917.8 11.86 25,340.0 12.10 4.02 4.28 628.04 588.01 25.25 25.17

HSBC 18,255.9 8.69 18,268.1 8.72 8.28 8.92 174.94 164.52 14.48 14.68

BANORTE 12,366.1 5.88 12,363.6 5.90 9.34 9.59 193.08 190.29 18.04 18.25

SCOTIABANK 4,198.0 2.00 4,163.7 1.99 7.36 7.35 165.91 169.78 12.22 12.48

BANCO AZTECA 82.7 0.04 85.0 0.04 - - - - 38.54 38.28

INBURSA 2,313.5 1.10 2,342.3 1.12 8.92 5.38 165.71 266.88 14.79 14.36

COMPARTAMOS - - - - - - - - - -

BANCO AHORRO FAMSA - - - - - - - - - -


BANCOPPEL 2,898.3 1.38 2,744.1 1.31 17.96 18.14 119.73 114.77 21.50 20.82

IXE 2,133.8 1.02 2,092.1 1.00 3.69 3.87 429.60 411.64 15.83 15.92

VOLKSWAGEN BANK - - - - - - - - - -

AFIRME 167.1 0.08 165.8 0.08 18.70 17.65 137.61 141.95 25.73 25.05

BANREGIO 200.5 0.10 199.8 0.10 5.36 5.94 297.73 265.88 15.95 15.80

INVEX 734.0 0.35 767.4 0.37 21.00 18.28 149.22 173.09 31.34 31.64

AUTOFIN - - - - - - - - - -

BANCO DEL BAJÍO 102.5 0.05 103.1 0.05 7.49 6.88 248.50 252.48 18.62 17.37

MULTIVA - - - - - - - - - -

INTERACCIONES - - - - - - - - - -

ACTINVER - - - - - - - - - -

BANCO FÁCIL 164.2 0.08 172.5 0.08 15.62 16.45 157.19 152.59 24.56 25.11

BANCO WAL-MART 143.9 0.07 123.9 0.06 7.04 8.79 291.84 273.86 20.54 24.07

BANCA MIFEL 7.6 0.00 7.4 0.00 - - - - 13.66 13.65

VE POR MÁS - - - - - - - - - -

BANCO AMIGO - - - - - - - - - -

BANSÍ - - - - - - - - - -

CIBANCO - - - - - - - - - -

Tarjeta de Crédito

12






SISTEMA 108,663.0 100.00 107,018.2 100.00 4.13 4.34 147.37 150.47 6.09 6.53

BBVA BANCOMER 27,234.1 25.06 26,724.7 24.97 3.03 3.03 131.31 128.45 3.97 3.90

BANAMEX 30,949.4 28.48 30,305.0 28.32 2.76 2.71 152.99 166.81 4.22 4.52

SANTANDER 16,128.0 14.84 15,993.9 14.94 2.51 2.35 163.61 168.03 4.11 3.96

HSBC 5,656.0 5.21 5,499.6 5.14 2.72 3.30 184.41 168.66 5.02 5.57

BANORTE 7,972.6 7.34 7,752.4 7.24 1.93 1.87 190.39 192.91 3.67 3.61

SCOTIABANK 2,230.0 2.05 2,234.7 2.09 9.84 9.42 70.80 71.21 6.97 6.71

BANCO AZTECA 6,592.6 6.07 6,555.8 6.13 8.12 9.80 116.26 112.59 9.44 11.03

INBURSA 1,378.9 1.27 1,354.0 1.27 11.19 12.00 453.52 533.51 50.75 64.02

COMPARTAMOS - - - - - - - - - -


AMERICAN EXPRESS 141.1 0.13 136.2 0.13 0.30 0.29 252.25 300.61 0.75 0.87

BANCOPPEL 0.5 0.00 0.5 0.00 - - - - 0.50 1.12

IXE 142.2 0.13 135.4 0.13 2.19 1.96 191.37 199.60 4.19 3.90


AFIRME 815.1 0.75 768.4 0.72 5.81 4.67 148.42 162.54 8.63 7.58

BANREGIO 349.6 0.32 353.7 0.33 6.85 7.02 133.46 136.52 9.14 9.58

INVEX - - - - - - - - - -

AUTOFIN 5.4 0.00 6.7 0.01 - - - - 44.20 35.97

BANCO DEL BAJÍO 61.3 0.06 65.1 0.06 - - - - 15.46 14.71

MULTIVA 245.8 0.23 247.5 0.23 2.65 4.54 91.71 108.35 2.43 4.91

INTERACCIONES 287.8 0.26 291.5 0.27 - - - - - -

ACTINVER 180.4 0.17 179.1 0.17 - - - - 0.50 0.50

BANCO FÁCIL - - - - - - - - - -

BANCO WAL-MART 0.1 0.00 0.1 0.00 - - - - 61.64 61.33

BANCA MIFEL - - - - - - - - - -

VE POR MÁS - - - - - - - - - -

BANCO AMIGO 28.0 0.03 29.2 0.03 - - - - 5.17 4.83

BANSÍ 0.2 0.00 0.2 0.00 - - - - - -

CIBANCO 2.6 0.00 2.4 0.00 - - - - 0.50 0.81

Créditos Personales

13






SISTEMA 52,090.5 100.00 51,849.6 100.00 2.56 2.67 134.46 128.00 3.45 3.42

BBVA BANCOMER 18,035.6 34.62 17,580.4 33.91 2.15 2.23 98.24 96.40 2.11 2.15

BANAMEX 417.8 0.80 418.1 0.81 4.17 3.24 256.39 254.86 10.70 8.27

SANTANDER 245.0 0.47 258.5 0.50 18.56 18.78 140.26 135.68 26.04 25.48

HSBC 4,926.3 9.46 5,089.2 9.82 3.08 3.13 161.46 157.78 4.97 4.94

BANORTE 8,067.3 15.49 8,001.8 15.43 1.33 1.37 345.01 331.85 4.59 4.56

SCOTIABANK 10,544.0 20.24 10,743.1 20.72 3.58 3.68 132.20 127.52 4.73 4.69

BANCO AZTECA 526.4 1.01 558.2 1.08 4.89 5.53 - - - -

INBURSA 6,196.1 11.89 6,156.7 11.87 1.40 1.72 - - - -

COMPARTAMOS - - - - - - - - - -

BANCO AHORRO FAMSA 172.1 0.33 176.5 0.34 13.89 12.67 158.98 129.51 22.08 16.41

AMERICAN EXPRESS - - - - - - - - - -

BANCOPPEL - - - - - - - - - -

IXE 6.7 0.01 6.7 0.01 - - - - - -

VOLKSWAGEN BANK 1,755.2 3.37 1,640.9 3.16 2.81 2.95 171.00 157.48 4.81 4.64

AFIRME - - - - - - - - - -

BANREGIO 201.5 0.39 207.9 0.40 5.64 4.66 189.18 216.08 10.67 10.08

INVEX - - - - - - - - - -

AUTOFIN 672.3 1.29 686.6 1.32 5.74 5.21 97.35 104.69 5.59 5.45

BANCO DEL BAJÍO 229.3 0.44 229.4 0.44 1.95 2.40 183.61 153.86 3.58 3.69

MULTIVA 34.6 0.07 37.5 0.07 - - - - 3.78 8.15

INTERACCIONES 5.6 0.01 5.2 0.01 - - - - - -

ACTINVER - - - - - - - - - -

BANCO FÁCIL - - - - - - - - - -

BANCO WAL-MART - - - - - - - - - -

BANCA MIFEL 45.8 0.09 46.9 0.09 - - - - 3.51 3.42

VE POR MÁS - - - - - - - - - -

BANCO AMIGO - - - - - - - - - -

BANSÍ - - - - - - - - - -

CIBANCO 8.5 0.02 5.9 0.01 - - - - 1.87 0.92

Automotriz

14






SISTEMA 7,582.2 100.00 7,595.1 100.00 5.78 6.53 125.39 122.55 7.25 8.01

BBVA BANCOMER - - - - - - - - - -

BANAMEX - - - - - - - - - -

SANTANDER - - - - - - - - - -

HSBC - - - - - - - - - -

BANORTE - - - - - - - - - -

SCOTIABANK 42.4 0.56 38.5 0.51 - - - - 24.24 25.49

BANCO AZTECA 7,312.3 96.44 7,320.2 96.38 5.66 6.46 125.40 122.54 7.10 7.91

INBURSA 0.1 0.00 0.1 0.00 - - - - 100.00 100.00

COMPARTAMOS - - - - - - - - - -



BANCOPPEL - - - - - - - - - -

IXE - - - - - - - - - -


AFIRME 205.3 2.71 216.0 2.84 7.35 6.64 120.76 122.55 8.88 8.14

BANREGIO 0.0 0.00 0.0 0.00 - - - - 51.46 45.27

INVEX - - - - - - - - - -

AUTOFIN 0.0 0.00 0.0 0.00 - - - - 100.00 100.00

BANCO DEL BAJÍO 0.2 0.00 0.2 0.00 - - - - - -

MULTIVA 0.2 0.00 0.2 0.00 - - - - 0.50 0.50

INTERACCIONES - - - - - - - - - -

ACTINVER - - - - - - - - - -

BANCO FÁCIL - - - - - - - - - -

BANCO WAL-MART - - - - - - - - - -

BANCA MIFEL - - - - - - - - - -

VE POR MÁS - - - - - - - - - -

BANCO AMIGO - - - - - - - - - -

BANSÍ 21.6 0.29 19.9 0.26 - - - - 8.23 7.64

CIBANCO - - - - - - - - - -

Adquisición de Bienes Muebles2/ IMOR3/ ICOR4/ EPRC5/ / Cartera Total


2/ Adquisición de Bienes Muebles incluye Arrendamiento Capitalizable. 3/ IMOR = Indice de Morosidad = Cartera Vencida / Cartera Total 4/ ICOR = Indice de Cobertura = EPRC / Cartera Vencida. (Para efectos de presentación se limita a 1,000% el cálculo) 5/ EPRC = Estimaciones Preventivas para Riesgos Crediticios (saldo de balance). No se incluye el desglose de EPRC adicionales por tipo de cartera.

15






SISTEMA 9,060.0 100.00 9,249.5 100.00 2.20 2.17 146.04 144.35 3.21 3.14

BBVA BANCOMER - - - - - - - - - -

BANAMEX 0.4 0.00 0.4 0.00 - - - - 100.00 100.00

SANTANDER - - - - - - - - - -

HSBC 63.4 0.70 65.3 0.71 - - - - 20.27 21.09

BANORTE - - - - - - - - - -

SCOTIABANK - - - - - - - - - -

BANCO AZTECA - - - - - - - - - -

INBURSA - - - - - - - - - -

COMPARTAMOS 8,784.5 96.96 8,979.0 97.08 1.97 1.93 152.28 149.91 3.00 2.89



BANCOPPEL - - - - - - - - - -

IXE 43.6 0.48 36.1 0.39 - - - - - -


AFIRME - - - - - - - - - -

BANREGIO 16.4 0.18 18.1 0.20 - - - - 47.58 54.05

INVEX - - - - - - - - - -

AUTOFIN 17.2 0.19 17.3 0.19 - - - - 10.34 9.66

BANCO DEL BAJÍO 61.0 0.67 58.8 0.64 - - - - 4.20 4.15

MULTIVA 34.2 0.38 34.7 0.38 - - - - 0.74 0.90

INTERACCIONES 1.7 0.02 1.9 0.02 - - - - 92.63 89.41

ACTINVER - - - - - - - - - -

BANCO FÁCIL - - - - - - - - - -

BANCO WAL-MART - - - - - - - - - -

BANCA MIFEL - - - - - - - - - -

VE POR MÁS 37.6 0.41 37.8 0.41 - - - - 0.71 0.52

BANCO AMIGO - - - - - - - - - -

BANSÍ - - - - - - - - - -

CIBANCO - - - - - - - - - -

Otros Créditos al Consumo

16

Saldos de la Captación Bancaria


(Millones de pesos)

Exigibilidad Títulos de Préstamos Captación Total Inmediata Plazo Crédito Emitidos Interbancarios Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10 Sep-10 Ago-10

SISTEMA 2,574,113 2,492,128 1,287,925 1,235,620 974,346 971,628 86,625 82,469 225,218 202,411

BBVA BANCOMER 646,487 608,803 356,057 349,619 184,710 184,131 45,595 42,003 60,124 33,049

BANAMEX 478,503 467,312 278,680 270,421 148,284 143,469 14,467 13,755 37,071 39,667

BANORTE 277,388 272,343 125,853 124,177 137,106 136,267 3,813 3,971 10,616 7,929

SANTANDER 276,648 269,454 147,231 129,645 112,350 114,583 6,261 6,232 10,806 18,993

HSBC 259,863 249,209 143,608 130,468 98,123 101,261 4,262 4,253 13,870 13,227

INBURSA 148,669 153,996 48,152 49,197 87,772 91,722 5,015 5,013 7,730 8,064

SCOTIABANK 125,233 116,812 57,828 57,240 56,940 51,162 4,236 4,229 6,229 4,180

BANCO DEL BAJÍO 61,725 62,350 16,908 16,728 28,894 29,206 758 754 15,164 15,663

BANCO AZTECA 50,786 51,223 48,423 48,642 2,230 2,446 - - 133 135

INTERACCIONES 40,252 42,176 4,814 4,648 24,534 28,041 - - 10,905 9,487

IXE 37,075 35,976 8,764 8,273 20,093 19,855 - - 8,219 7,848

BANCA MIFEL 24,887 18,307 5,332 2,836 12,846 9,347 78 82 6,630 6,042

BANK OF AMERICA 17,789 17,652 2,744 2,247 117 75 - - 14,927 15,330

BANREGIO 17,409 17,252 8,038 7,877 8,637 8,544 - - 734 830

AFIRME 11,710 12,082 6,011 6,358 5,619 5,566 - - 80 158

VE POR MÁS 10,862 10,920 4,691 4,737 2,293 2,376 - - 3,879 3,807

AMERICAN EXPRESS 10,734 10,891 1,279 1,357 5,258 5,355 - - 4,197 4,180

INVEX 10,320 9,833 193 137 7,501 6,981 278 297 2,348 2,418

BANCO AHORRO FAMSA 8,662 8,454 4,532 4,363 4,061 4,082 - - 70 9

MULTIVA 8,589 8,066 861 820 6,448 6,180 - - 1,280 1,066

BANCOPPEL 7,259 7,088 6,305 6,148 954 941 - - - -

BANSÍ 6,052 5,486 656 615 4,264 3,736 - - 1,132 1,135

ING 5,389 6,765 - - 5,185 5,433 204 212 - 1,120

THE ROYAL BANK OF SCOTLAND 5,296 2,816 4,918 2,816 - - - - 378 -

COMPARTAMOS 4,723 4,554 - - 630 432 1,505 1,505 2,588 2,618

MONEX 4,135 4,929 2,363 2,451 360 125 152 143 1,260 2,210

BANK OF TOKYO-MITSUBISHI UFJ 3,954 4,509 2,405 2,363 1,550 2,146 - - - -

CIBANCO 3,301 4,276 99 104 3,090 4,004 - - 112 168

DEUTSCHE BANK 2,736 1,887 - - - - - - 2,736 1,887

BANCO CREDIT SUISSE 1,836 962 - - 992 837 - 20 844 105

AUTOFIN 1,667 1,483 110 119 1,243 1,030 - - 313 333

VOLKSWAGEN BANK 1,323 1,046 - - 1,323 1,046 - - - -

J.P. MORGAN 1,215 1,325 448 657 - - - - 768 668

BANCO WAL-MART 964 826 502 452 462 374 - - - -

BANCO AMIGO 362 347 5 4 357 343 - - - -

BANCO REGIONAL 119 536 0 2 119 533 - - - -

ACTINVER 116 99 116 99 - - - - - -

BANCO FÁCIL 75 86 - - - - - - 75 86

Información detalladade la Cartera de Créditosa Empresas

Julio - Agosto 2010

Número de Créditos Otorgados Tasa de Interés2/ Monto de Crédito Otorgado (%) (mdp)


ago-10 jul-10 ago-10 jul-10 ago-10 jul-10


18

Cartera de Crédito a EmpresasInformación de Créditos Otorgados en el Mes Importante: Cifras con fideicomisos UDIS, sin subsidiarias1/

Rangos por Tamañodel Crédito

(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000

Sin clasificación3/

Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

1/ Se incluye la información de la cartera de crédito de las sociedades financieras de objeto múltiple, entidades reguladas (SOFOMER), que administran la mayor parte de la cartera de crédito al consumo de algunos bancos.

2/ Tasa de interés promedio ponderado por monto de crédito, para créditos en moneda nacional. En los rangos que solo contengan créditos en moneda distinta a la nacional, no se mostrará tasa de interés.

3/ Líneas de crédito con saldos a favor o en ceros.

18,575 20,398 8.95 8.50 66.9 74.7

5,932 6,983 8.65 9.95 96.0 112.3

3,571 4,549 9.19 11.75 133.8 165.4

2,412 3,563 10.23 14.42 180.3 248.9

2,694 3,911 11.26 14.65 444.8 610.0

1,540 1,994 12.58 15.30 570.3 687.6

807 1,074 11.66 15.20 624.8 707.8

623 998 10.42 14.58 1,008.5 1,436.4

296 402 9.24 12.85 1,050.3 1,379.6

191 314 8.42 11.81 1,404.6 2,152.1

171 296 8.18 11.47 2,649.9 4,594.5

84 124 7.65 11.09 2,897.9 4,103.2

39 47 7.35 9.45 2,822.4 3,148.5

15 21 6.82 9.30 2,306.9 3,057.3

5 4 5.88 5.96 1,393.0 1,392.5

7 6 6.18 8.52 4,818.3 3,895.8

2 2,985.1

1 2,633.6

1,312 1,105 43.89 17.59 -0.3 -1.9

38,275 45,791 7.83 10.89 25,102.4 30,751.9

213 171 10.86 10.93 0.8 0.6

257 198 15.50 15.21 4.9 3.7

685 517 18.72 18.16 25.7 19.0

764 607 18.06 17.30 54.8 43.6

630 548 16.23 15.74 96.2 86.4

230 226 15.45 14.83 81.6 81.4

80 109 12.15 12.60 53.2 75.2

84 88 12.12 11.71 131.6 124.8

36 43 11.46 10.66 115.9 149.7

84 111 12.15 12.00 578.3 842.7

32 52 9.61 10.94 529.4 856.7

15 38 8.73 9.14 476.9 1,378.5

14 25 9.25 9.04 924.0 1,592.2

5 10 12.15 9.28 776.3 1,769.9

3 7 7.11 7.82 1,263.5 2,555.2

4 5 7.17 8.59 2,764.0 4,107.2

2 2 8.62 8.55 2,797.4 2,653.9

3,138 2,757 8.99 9.07 10,674.6 16,340.6

BBVA Bancomer

Inbursa





19



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




262 231 12.45 13.51 0.3 0.3

28 38 15.59 14.76 0.4 0.6

53 59 16.08 15.43 2.0 2.2

88 89 15.68 14.61 6.2 6.6

158 150 16.44 12.22 26.0 23.8

150 142 13.76 9.60 53.6 50.5

162 169 11.44 7.86 116.1 120.3

199 198 10.94 8.42 308.9 293.8

91 70 9.94 7.90 315.1 240.6

49 55 8.04 8.47 334.3 362.5

44 51 7.90 7.66 624.4 818.1

18 28 8.01 7.75 525.8 910.7

6 13 7.79 7.60 402.2 802.4

4 10 8.07 7.38 659.3 1,680.5

1 4 9.63 6.42 260.3 1,286.3

1 3 5.78 6.53 800.0 1,770.8

1 1 8.41 1,076.7 1,139.4

1,315 1,311 8.24 7.25 5,511.7 9,509.5

332 285 13.58 13.40 0.9 0.8

110 93 13.35 13.43 1.8 1.5

63 71 13.35 12.00 2.2 2.6

113 133 12.80 12.38 8.4 8.9

335 280 12.62 12.64 55.6 46.0

381 335 12.71 12.50 144.3 118.3

514 370 12.60 12.29 385.9 251.9

453 448 11.90 11.57 704.8 681.9

213 194 9.64 9.85 748.5 693.6

119 139 8.84 8.57 828.6 963.9

130 104 8.08 7.96 1,897.7 1,529.9

57 51 8.01 7.44 1,955.6 1,758.2

25 22 6.94 7.09 1,781.4 1,504.7

19 23 6.24 6.39 2,932.9 3,327.7

8 6 6.21 5.81 2,678.8 1,954.3

10 4 5.85 6.13 6,440.9 2,939.1

2 1 5.37 2,588.8 1,234.3

2,884 2,559 6.99 7.24 23,157.0 17,017.7

Banamex

Santander





20



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




147 74 13.76 13.57 1.1 0.5

157 94 13.58 13.88 2.2 1.4

31 16 13.88 13.64 1.0 0.5

103 96 13.67 13.86 8.4 7.2

447 375 13.62 13.82 74.6 62.1

258 277 13.11 13.74 92.4 95.0

340 323 12.49 12.59 243.8 217.1

556 573 11.71 12.18 873.8 883.0

207 210 9.58 9.71 703.7 707.1

144 146 8.45 8.67 997.3 950.2

91 86 8.01 8.14 1,320.4 1,203.9

39 30 7.39 7.68 1,306.7 1,012.9

26 23 7.80 7.75 1,666.7 1,473.9

11 8 7.83 8.08 1,420.4 1,055.5

1 2 7.10 8.60 300.8 601.6

1 7.01 1,427.9

2 0.0

2,559 2,333 8.42 9.00 10,441.3 8,271.8

11,479 8,862 11.52 12.09 36.3 31.7

4,824 4,604 16.63 16.87 78.6 76.0

4,007 4,177 17.96 18.21 150.8 156.7

3,717 3,749 18.18 18.18 269.7 272.2

3,230 3,235 15.61 15.92 501.9 496.0

1,299 1,089 13.99 14.41 461.9 388.2

658 502 11.41 11.90 460.1 340.5

543 375 10.28 10.42 837.8 573.8

159 119 8.97 9.18 530.9 412.0

190 129 8.52 8.33 1,307.7 888.0

55 68 8.46 9.13 875.3 978.7

25 27 8.24 8.36 854.8 845.5

15 17 7.42 8.53 1,096.1 1,193.8

4 10 7.51 7.74 418.3 1,344.5

2 3 9.63 7.00 655.3 892.2

2 1,139.3

30,207 26,968 10.43 10.07 8,535.6 10,029.0

Banorte

HSBC





21



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1,220 778 11.43 11.58 3.3 2.7

532 513 11.33 11.43 8.5 8.2

464 418 11.03 11.25 16.6 15.1

536 493 10.96 10.90 37.3 33.6

773 785 10.98 11.23 119.5 121.2

509 509 9.76 10.17 178.2 175.2

528 473 9.21 9.37 353.4 318.1

599 596 8.53 8.35 900.2 889.5

261 235 8.20 8.24 892.9 807.9

148 162 7.78 7.82 1,002.4 1,059.4

89 95 7.00 6.87 1,290.5 1,437.0

22 17 7.51 7.17 699.3 522.2

4 9 5.71 6.70 227.2 564.9

3 4 6.63 7.41 300.9 451.7

1 1 7.50 336.8 266.1

5,689 5,088 7.86 7.85 6,367.1 6,672.9

16 11 8.73 8.27 0.1 0.1

5 5 6.38 8.57 0.3 1.2

22 26 7.66 7.92 39.0 61.6

28 30 7.87 7.77 67.2 76.5

18 24 8.04 8.79 24.0 22.1

31 29 8.39 8.13 83.6 87.6

18 18 8.64 8.08 83.2 91.6

20 21 8.52 8.64 197.7 201.6

20 13 7.79 7.98 266.1 186.9

13 11 7.39 8.25 522.9 398.2

2 4 7.70 5.28 109.5 214.5

1 2 8.40 136.3 254.6

1 391.3

195 194 7.82 7.90 1,921.2 1,596.4

Banco del Bajío

Scotiabank





22



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




70 68 9.02 9.07 37.3 28.5

55 57 8.98 9.10 60.0 47.7

52 50 9.12 9.27 74.0 56.9

57 57 9.21 9.23 114.3 89.9

129 102 9.55 9.53 196.4 181.9

115 110 9.42 10.12 224.1 191.2

74 88 9.09 9.85 217.0 203.5

47 54 9.60 9.39 118.1 129.9

21 31 9.51 8.76 129.6 177.3

26 25 9.33 9.09 237.4 269.5

24 18 8.96 8.84 416.6 279.1

7 8 8.72 9.26 243.1 248.8

4 4 9.51 8.92 221.4 255.4

1 5 8.13 9.00 100.0 900.9

1 7.75 300.5

90 68 0.00 0.00 0.0 0.0

682 678 9.18 9.02 2,389.5 3,361.0

59 99 14.08 14.25 0.2 0.4

52 49 13.06 13.38 0.8 0.7

19 19 11.78 11.81 0.7 0.7

56 40 12.74 13.11 4.5 3.2

151 125 12.56 12.46 26.4 21.6

90 92 11.58 12.15 32.3 33.1

107 88 10.81 11.27 78.8 63.2

134 122 10.11 10.28 209.1 196.9

65 70 9.12 9.43 261.0 261.6

48 40 9.01 8.62 337.8 269.2

31 32 8.12 8.37 441.2 448.9

10 9 7.83 7.97 302.0 280.8

3 2 8.19 8.67 160.2 100.2

1 0.0 114.0

2 0.00 0.0

825 788 8.88 9.01 1,854.9 1,794.5

Ixe

Banregio





23



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 1 13.71 12.81 0.2 0.4

1 1 13.83 12.70 0.7 1.0

5 3 13.36 12.60 1.9 2.0

12 6 12.78 12.29 4.3 3.4

47 51 11.82 11.36 17.3 20.0

46 54 11.69 11.19 34.8 45.3

66 57 10.89 10.91 67.5 70.8

130 105 9.88 9.83 249.5 199.6

34 47 10.55 9.46 135.1 166.3

6 20 10.54 9.16 44.2 128.2

4 10 8.46 8.62 58.0 144.0

3 8.67 101.3

1 6.92 76.6

1 8.90 120.5

352 360 10.24 9.28 613.6 1,079.4

1 9.94 0.0

1 8.07 0.0

1 9.94 0.0

1 2 8.07 8.10 0.1 0.2

4 6 9.13 8.43 1.7 2.3

3 3 10.16 10.18 1.8 2.7

4 6 7.66 8.00 6.7 7.5

1 2 9.40 8.01 2.8 6.4

1 2 6.91 9.21 7.0 17.5

4 8.46 83.0

2 9.11 93.9

1 8.41 200.3

1 8.03 147.1

16 30 8.03 8.61 167.3 413.9

Banca Mifel

Interacciones





24



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 6.92 0.3

5 1 7.72 6.95 3.3 1.0

2 3 9.25 10.63 3.7 5.0

1 9.92 0.0 4.2

1 6.90 10.5

1 44.2

2 1 164.3 71.4

1 173.0

2 564.2

14 7 7.54 9.97 919.3 125.8

1 1 12.95 12.91 0.0 0.0

2 13.38 0.0

2 10.91 0.1

6 2 11.60 10.93 0.6 0.4

11 10 11.02 10.96 3.7 2.7

12 10 11.09 10.58 6.5 4.0

30 23 10.44 9.16 21.9 20.3

58 53 10.00 9.23 115.6 106.8

39 40 9.85 9.07 148.4 177.8

33 35 9.53 10.04 244.3 288.2

19 17 8.93 8.95 261.7 244.7

2 4 10.20 8.76 69.1 129.2

1 7.94 50.0

1 7.13 200.0

214 198 9.11 9.24 1,071.9 1,024.2

Banco Azteca

Ve por Más





25



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 13.90 0.0

3 3 13.89 13.91 0.1 0.1

1 2 13.89 13.93 0.1 0.1

1 2 8.91 8.94 0.1 0.3

1 3 8.90 10.44 0.3 0.9

2 5 9.38 10.38 1.3 3.9

13 13 11.40 10.72 22.2 22.0

10 10 11.19 10.92 31.5 35.1

12 20 10.46 10.67 70.6 138.2

27 12 10.25 9.72 362.3 185.4

3 2 9.89 9.17 91.2 91.2

2 2 9.24 9.59 172.1 125.7

2 8.32 351.4

78 74 9.51 9.94 1,103.2 602.8

1 9.93 0.1

2 1 10.89 11.54 0.9 0.4

1 2 9.74 10.34 1.0 1.5

14 20 11.03 10.52 27.9 38.5

13 12 9.98 10.00 48.7 37.7

25 21 9.65 9.73 160.9 134.9

30 31 9.51 9.74 510.6 483.2

9 13 9.78 9.37 264.1 434.4

3 1 9.63 10.53 182.9 50.3

1 1 9.63 7.66 134.7 125.5

99 102 9.67 9.47 1,331.7 1,306.4

Multiva

Invex





26



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




6 14 13.50 13.88 0.0 0.1

2 2 14.72 13.41 0.0 0.0

13 20 11.40 11.61 0.5 0.7

22 30 11.37 11.42 1.5 2.3

21 24 11.84 12.57 3.1 3.6

9 11 13.31 13.12 3.6 3.8

17 11 12.01 12.55 11.6 8.5

10 14 10.69 10.88 16.1 25.2

3 11 10.88 10.90 9.6 40.8

6 8 10.51 10.48 41.6 61.0

8 1 10.26 10.94 130.9 21.7

3 1 10.54 10.94 88.2 25.5

120 147 10.54 10.93 306.8 193.3

1 14.00 0.0

3 19.39 0.1

9 5 16.75 14.42 0.4 0.2

21 15 13.53 14.01 1.6 1.1

41 35 14.27 13.97 7.4 6.0

76 39 12.32 13.79 30.0 14.0

66 61 12.61 12.67 52.2 41.0

97 105 11.73 12.17 164.8 168.0

61 59 11.27 10.35 227.0 209.8

31 32 10.29 9.39 231.2 225.6

17 19 9.15 9.87 272.7 269.8

5 12 9.15 8.54 180.6 407.7

1 4 11.88 5.38 50.1 303.7

1 3 4.96 9.55 112.5 425.2

427 392 10.01 9.16 1,330.6 2,072.2

Bansí

Afirme





27



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 7.00 4.0

1 1 8.00 8.00 300.3 277.2

1 2 8.00 7.99 300.3 281.2

295 329 9.48 9.51 0.8 0.9

65 45 9.48 9.51 1.0 0.7

30 19 9.48 9.19 1.1 0.7

23 14 9.72 9.67 1.7 1.1

20 19 8.58 9.44 3.0 3.0

13 23 8.77 8.57 4.7 8.4

37 24 9.31 9.03 27.1 15.4

47 44 9.00 8.72 66.4 71.3

11 21 9.62 9.35 34.4 76.1

9 12 9.30 9.26 65.9 76.6

11 13 8.17 8.32 171.0 199.1

4 1 136.1 25.0

565 564 8.84 8.90 513.2 478.4

ING

Monex





28



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 0.3

2 1 1.4 0.9

2 3 6.75 6.29 4.0 4.0

3 2 6.80 6.80 9.9 6.1

6 4 43.1 27.5

7 11 6.21 96.0 183.5

5 5 6.27 6.34 150.6 148.7

7 5 6.75 6.75 563.4 374.4

2 3 5.18 332.0 390.2

34 35 5.61 6.47 1,200.5 1,135.6

5 9 37.51 38.85 0.0 0.1

37 37 29.24 29.66 0.6 0.6

31 22 27.48 21.02 1.1 0.8

50 44 15.17 16.38 4.5 3.3

48 41 12.66 12.62 10.0 8.4

15 20 12.29 11.82 7.7 9.7

18 12 11.84 11.06 11.0 9.6

10 9 10.00 9.57 11.9 11.6

5 6 11.27 11.85 16.9 25.7

2 11.95 11.2

2 2 6.72 8.32 22.5 22.1

1 7.20 38.3

1 7.21 100.5

1 7.24 431.6

1 0.00 0.0

222 206 9.68 7.87 124.5 635.1

Bank of Tokyo-Mitsubishi UFJ

Banco Ahorro Famsa





29



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 1 10.92 10.92 1.5 6.5

1 4 10.92 12.06 2.6 11.1

5 5 10.39 10.70 16.7 15.2

2 3 10.31 8.70 10.4 19.9

4 7 9.79 9.95 55.1 96.3

2 9.34 57.2

15 20 9.75 10.06 143.6 149.0

1 1 16.93 16.95 0.0 0.0

1 1 12.90 14.40 0.1 0.1

5 4 16.61 13.55 1.0 0.6

2 3 15.90 13.59 0.7 1.0

2 4 9.90 11.45 1.0 2.1

11 25 11.66 12.06 19.8 35.5

14 12 11.83 11.07 39.7 37.3

3 1 10.85 12.94 16.1 5.0

3 10.63 58.2

39 54 11.66 11.24 78.3 139.7

Autofin

Banco Wal-Mart





30



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 0.7

1 1 4.4 1.0

1 4.3

1 72.5

2 3 5.2 77.8

2 1.7

1 10.19 2.0

3 10.30 46.6

1 9.44 40.0

1 1 9.93 7.39 50.3 50.3

6 3 10.11 8.34 98.6 92.4

Bank of America

CIBanco





31



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 7.00 7.8

1 7.00 53.0

2 0 7.00 60.8 0.0

2 10.90 0.1

1 1 10.90 11.94 0.1 0.1

1 12.90 0.2

1 12.90 0.4

1 12.90 0.5

3 2 12.90 10.41 3.3 3.6

2 11.31 5.5

9 5 12.84 10.96 4.5 9.2

J.P. Morgan

Banco Amigo





32



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total




1 13.50 0.0

1 14.90 0.0

2 14.32 0.1

1 11.00 0.2

2 10.00 3.0

3 10.05 3.2

Banco Regional

Actinver

Número de Créditos IMOR2/

(%)


(%)

ago-10 jul-10 ago-10 jul-10


33

Cartera de Crédito a EmpresasInformación de Portafolio Total Importante: Cifras con fideicomisos UDIS, sin subsidiarias1/


(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total


2/ IMOR = Indice de Morosidad = Cartera Vencida / Cartera Total. Por tratarse de información operativa no coincide exactamente con la cifra obtenida a través de saldos contables. 3/ Líneas de crédito con saldos a favor o en ceros.

56,639 55,271 0.75 0.77

22,708 21,944 1.91 2.14

22,116 20,905 2.26 2.70

25,465 25,533 2.71 3.31

31,235 32,432 3.28 3.79

19,107 18,668 2.72 3.38

8,550 8,775 3.06 3.65

5,267 5,836 4.13 4.20

2,256 2,164 4.16 4.55

1,725 1,786 4.21 3.83

1,546 1,579 2.87 3.10

636 653 1.70 1.53

284 280 2.19 2.24

127 134 7.62 8.40

47 49 6.86 4.79

29 28 0.00 0.00

16 15 0.00 0.00

4 3 0.00 0.00

61,594 60,940 0.00 0.00

259,351 256,995 2.84 2.92

1,633 1,339 3.00 3.39

6,016 5,772 4.82 5.56

9,581 9,161 5.51 6.10

8,220 7,875 5.11 5.45

5,133 4,969 4.35 4.56

1,338 1,275 3.95 3.81

487 483 6.39 6.29

460 463 10.12 10.46

286 283 10.11 9.66

482 472 16.93 17.82

264 255 11.20 10.26

128 122 7.18 9.19

89 88 8.83 10.04

70 75 3.64 6.04

36 35 2.97 0.00

29 30 0.00 4.46

22 19 0.00 0.00

8 8 0.00 0.00

1 1 0.00 0.00

34,283 32,725 2.26 3.10

BBVA Bancomer

Inbursa


(%)


(%)



34



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



1,945 1,869 4.30 4.04

1,454 1,459 2.41 2.12

2,812 2,761 1.93 2.12

6,164 6,187 2.55 2.58

8,948 8,887 2.44 2.53

5,375 5,272 2.48 2.49

3,627 3,674 2.89 2.87

2,808 2,766 1.65 2.05

991 983 0.81 0.89

714 703 0.58 0.84

682 708 1.06 1.03

287 282 0.45 0.46

151 150 2.35 2.31

121 124 0.00 0.00

62 62 0.00 0.00

24 28 0.00 0.00

14 14 0.00 0.00

36,179 35,929 0.55 0.56

2,652 2,613 1.04 1.30

1,432 1,364 2.34 2.43

1,827 1,809 2.10 2.84

3,473 3,495 2.72 2.87

7,482 7,304 3.00 3.52

6,331 6,293 2.92 3.09

5,990 5,747 3.08 3.57

4,345 4,320 2.40 2.54

1,580 1,553 1.67 1.89

1,014 1,004 1.34 1.22

809 804 1.44 1.52

344 338 0.60 0.62

125 132 0.00 0.00

97 97 1.49 1.56

33 36 0.00 0.00

26 18 0.00 0.00

9 9 0.00 0.00

1 1 0.00 0.00

1 1 0.00 0.00

37,571 36,938 0.73 0.78

Banamex

Santander


(%)


(%)



35



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



3,272 3,544 15.22 20.71

1,980 2,097 12.09 13.05

2,614 2,662 9.87 9.58

5,303 5,396 6.86 6.75

8,987 8,857 7.71 7.86

5,381 5,390 10.83 11.27

5,252 5,211 9.26 9.49

6,100 6,204 5.44 5.55

1,634 1,586 4.39 4.24

856 863 4.13 3.99

638 674 3.16 2.82

241 250 3.34 2.87

134 135 1.76 2.48

78 77 0.00 0.00

30 33 0.00 0.00

10 10 0.00 0.00

6 5 0.00 0.00

279 153 0.00 0.00

42,795 43,147 2.63 2.65

36,173 35,444 3.92 4.14

36,309 35,932 6.23 6.44

40,147 40,119 5.90 5.53

32,944 32,585 5.28 5.26

20,236 19,975 5.48 5.37

6,827 6,616 4.63 4.67

2,432 2,253 5.82 6.42

1,723 1,614 5.69 6.16

649 635 5.84 5.70

589 533 4.83 4.98

386 391 1.49 1.69

174 169 3.59 3.77

87 82 0.00 0.00

62 67 0.00 0.00

31 32 2.77 2.74

9 10 0.00 0.00

5 5 0.00 0.00

178,783 176,462 2.42 2.42

Banorte

HSBC


(%)


(%)



36



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



5,144 4,778 14.15 14.39

2,615 2,590 11.22 11.49

2,170 2,127 10.94 10.89

2,815 2,829 12.27 11.40

4,841 4,889 9.50 8.79

3,511 3,599 6.52 6.11

3,216 3,327 4.93 4.67

3,355 3,427 3.61 3.36

1,489 1,462 2.91 3.10

825 828 2.66 2.46

440 442 2.19 2.01

112 104 6.68 5.34

34 34 2.29 2.34

10 10 0.00 0.00

5 4 0.00 0.00

30,582 30,450 3.42 3.19

12 12 0.00 0.00

4 4 0.00 0.00

3 4 0.00 0.00

8 12 0.00 0.00

19 22 7.35 6.77

38 35 19.30 20.76

67 70 11.39 11.40

152 161 4.56 4.31

196 192 4.47 4.86

206 200 2.43 3.02

231 235 0.48 0.45

153 149 0.00 0.00

87 90 1.16 1.12

44 47 0.00 0.00

10 8 8.35 10.27

6 5 0.00 0.00

3 3 0.00 0.00

1,239 1,249 1.26 1.30

Banco del Bajío

Scotiabank


(%)


(%)



37



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



103 253 0.00 0.00

42 65 3.24 5.13

46 37 0.00 2.01

126 112 0.81 0.00

812 739 0.80 1.88

967 941 2.27 2.71

631 639 2.43 2.79

393 422 3.55 3.35

151 146 4.68 4.86

129 126 0.96 0.97

115 108 3.85 4.05

60 64 1.71 1.58

42 40 0.00 0.00

34 33 0.00 0.00

6 8 0.00 0.00

2 1 0.00 0.00

431 186 0.00 0.00

4,090 3,920 0.99 0.99

207 205 4.26 3.84

245 190 3.82 6.18

360 387 7.83 7.01

709 674 4.62 5.71

1,260 1,213 5.47 6.10

794 780 4.63 4.80

757 748 5.57 5.57

904 899 2.87 2.79

442 436 2.59 2.16

308 309 3.23 3.12

209 201 1.48 1.55

56 55 0.00 0.00

28 28 0.00 0.00

5 4 0.00 0.00

267 266 0.00 0.00

6,551 6,395 1.83 1.81

Ixe

Banregio


(%)


(%)



38



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



26 23 79.69 57.88

42 49 66.50 60.32

44 54 30.13 27.34

105 102 17.22 17.88

406 425 8.91 8.19

490 468 10.90 10.99

682 693 10.94 11.18

970 943 8.69 9.31

365 358 6.57 6.11

140 148 4.70 3.62

75 75 2.00 1.99

21 19 0.00 0.00

13 14 0.00 0.00

7 7 0.00 0.00

1 1 0.00 0.00

3,387 3,379 4.21 4.09

136 132 87.18 88.61

184 178 80.23 82.31

288 250 75.53 71.30

456 453 38.49 35.53

775 812 27.76 25.24

278 287 31.38 29.64

151 162 37.94 30.53

99 93 39.67 36.33

43 55 22.64 33.12

42 47 21.28 20.45

34 38 5.90 11.32

9 10 10.19 20.83

8 9 13.00 0.00

8 6 0.00 0.00

9 10 0.00 0.00

1 1 0.00 0.00

1 1 0.00 0.00

2,522 2,544 4.74 4.93

Banca Mifel

Interacciones


(%)


(%)



39



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



639 644 31.80 31.82

561 592 50.84 48.60

271 300 84.98 77.87

140 142 96.34 96.22

58 57 94.42 95.75

5 4 41.26 51.51

14 11 21.76 26.49

5 8 0.00 0.00

8 9 10.08 8.47

8 7 26.69 30.08

4 3 19.12 23.70

4 4 0.00 0.00

3 3 0.00 0.00

5 5 0.00 0.00

2 2 0.00 0.00

2 2 0.00 0.00

1 1 0.00 0.00

1,730 1,794 1.24 1.27

10 4 0.00 0.00

37 33 0.00 0.00

90 75 0.78 2.67

176 178 2.61 1.70

588 589 0.85 0.70

723 755 2.05 1.97

478 531 4.57 2.63

413 470 6.66 5.06

237 236 4.74 7.19

185 186 7.51 4.66

109 119 2.67 1.33

24 26 0.00 0.00

3 3 0.00 0.00

2 2 0.00 0.00

3,075 3,207 3.82 2.96

Banco Azteca

Ve por Más


(%)


(%)



40



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



1 0.00

4 5 0.00 0.00

3 3 0.00 0.00

9 9 0.00 0.00

17 10 15.02 26.35

25 29 7.17 6.59

36 36 12.52 7.58

70 72 7.12 7.00

49 43 5.54 6.43

82 79 7.13 6.31

94 86 6.23 6.76

33 33 5.65 5.57

10 10 23.36 23.33

10 9 0.00 0.00

2 2 0.00 0.00

445 426 5.95 6.10

1 0.00

4 4 21.88 20.35

1 1 0.00 0.00

6 7 13.17 10.58

28 23 0.00 0.00

22 30 0.00 0.00

51 48 1.75 1.85

67 64 1.67 1.70

32 33 0.00 0.00

20 20 4.15 4.14

4 3 0.00 0.00

2 2 0.00 0.00

19 20 0.00 0.00

257 255 1.50 1.52

Multiva

Invex


(%)


(%)



41



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



313 311 2.57 2.52

49 43 6.46 12.14

95 89 2.53 0.00

167 173 4.52 5.00

328 323 5.82 5.91

327 330 5.27 4.92

196 204 5.50 5.00

126 125 4.35 4.39

74 72 7.15 8.60

67 72 9.00 10.32

59 55 8.59 11.09

27 23 0.00 0.00

15 15 0.00 0.00

6 6 0.00 0.00

1,849 1,841 3.35 4.01

6 4 33.81 100.00

5 12 0.00 32.76

26 20 26.82 30.63

64 64 13.74 20.37

140 152 18.39 23.29

206 161 16.60 23.78

226 220 9.10 11.00

292 313 9.91 11.43

168 163 5.66 5.85

92 91 10.04 9.58

61 60 7.07 7.41

25 29 3.10 2.60

9 7 0.00 0.00

4 4 0.00 0.00

1,324 1,300 5.55 5.77

Bansí

Afirme


(%)


(%)



42



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



1 1 0.00 0.00

3 4 0.00 0.00

4 3 0.00 0.00

12 12 0.00 0.00

2 3 0.00 0.00

3 3 0.00 0.00

3 3 0.00 0.00

4 4 0.00 0.00

32 33 0.00 0.00

1,298 1,352 0.00 0.00

211 201 0.00 0.00

83 76 1.11 1.21

58 40 0.00 0.00

78 70 6.84 7.53

99 104 5.64 5.48

141 137 2.28 1.23

172 179 2.36 2.28

68 74 6.61 3.02

35 40 5.20 8.27

31 31 2.13 0.00

10 6 8.12 0.00

1 1 0.00 0.00

2,285 2,311 4.01 2.22

ING

Monex


(%)


(%)



43



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



1 0.00

4 4 0.00 0.00

8 9 0.00 0.00

4 2 0.00 0.00

8 6 0.00 0.00

12 18 0.00 0.00

7 6 0.00 0.00

8 6 0.00 0.00

3 4 0.00 0.00

54 56 0.00 0.00

16 13 9.09 0.00

64 53 2.17 1.58

76 51 2.13 1.51

84 74 2.25 0.00

79 68 0.00 0.00

42 49 1.84 0.00

32 20 0.00 0.00

22 21 0.00 0.00

12 12 0.00 0.00

4 5 0.00 0.00

4 4 0.00 0.00

1 0.00

1 1 0.00 0.00

1 1 0.00 0.00

438 372 0.06 0.01

Bank of Tokyo-Mitsubishi UFJ

Banco Ahorro Famsa


(%)


(%)



44



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



3 2 0.00 0.00

7 9 0.00 0.00

22 18 5.51 6.77

12 13 0.00 0.00

21 23 0.00 0.00

4 2 0.00 0.00

2 2 0.00 0.00

71 69 0.54 0.55

1 1 0.00 0.00

2 2 0.00 0.00

1 1 0.00 0.00

1 1 0.00 0.00

5 5 0.00 0.00

Autofin

Deutsche Bank


(%)


(%)



45



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



2 1 0.00 0.00

2 1 0.00 0.00

11 7 0.00 0.00

5 4 0.00 0.00

7 7 0.00 0.00

33 33 0.00 0.00

27 23 0.00 0.00

5 3 0.00 0.00

3 3 0.00 0.00

1 1 0.00 0.00

96 83 0.00 0.00

1 0.00

1 0.00

1 1 0.00 0.00

2 1 0.00 0.00

1 0.00

2 0.00

4 3 0.00 0.00

1 1 0.00 0.00

9 10 0.00 0.00

Banco Wal-Mart

Bank of America


(%)


(%)



46



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



2 0.00

1 1 0.00 0.00

2 1 0.00 0.00

3 1 0.00 0.00

2 2 0.00 0.00

3 3 0.00 0.00

13 8 0.00 0.00

1 0.00

2 2 0.00 0.00

3 2 0.00 0.00

CIBanco

J.P. Morgan


(%)


(%)



47



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



3 1 0.00 0.00

5 5 0.00 0.00

5 13 0.00 0.00

9 15 58.63 37.88

21 22 83.31 77.68

23 20 50.73 53.87

3 4 0.00 0.00

4 5 0.00 0.00

2 1 0.00 0.00

1 1 0.00 0.00

1 1 0.00 0.00

77 88 15.23 15.13

1 1 0.00 0.00

1 1 0.00 0.00

Banco Amigo

The Royal Bank of Scotland


(%)


(%)



48



(miles de pesos)


(miles de pesos)

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total

0-10

10-25

25-50

50-100

100-250

250-500

500-1,000

1,000-2,500

2,500-5,000

5,000-10,000

10,000-25,000

25,000-50,000

50,000-100,000

100,000-250,000

250,000-500,000

500,000-1,000,000

1,000,000-2,500,000

2,500,000-5,000,000

+ 5,000,000


Total



3 2 64.00 100.00

1 0.00

1 1 0.00 0.00

1 3 0.00 0.00

2 3 0.00 0.00

2 4 0.00 0.00

7 11 0.00 0.00

3 5 0.00 0.00

2 2 0.00 0.00

1 0.00

1 0.00

22 33 0.01 0.01

1 0.00

1 0.00

5 0.00

2 0.00

1 0.00

1 0.00

11 0.00

Banco Regional

Actinver

Información detalladade la Cartera de Créditosa la Vivienda

Julio - Agosto 2010

Número de Créditos Monto de Crédito Tasa de Interés1/ LTV2/

Otorgado (mdp) (%) (%)

Número de Créditos Monto de Crédito Tasa de Interés1/ LTV Otorgado (mdp) (%)

ago-10 jul-10 ago-10 jul-10 ago-10 jul-10 ago-10 jul-10


Cartera de ViviendaInformación de Créditos Otorgados en el Mes Importante: Cifras con fideicomisos UDIS, sin subsidiarias1/

Rangos de Valorde la Vivienda

(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

50


2/ LTV = Monto original del crédito / valor de la vivienda

6 2 0.2 0.0 10.50 10.50 85.00 84.99

18 9 1.4 0.6 11.22 10.97 84.99 85.00

39 22 4.2 2.3 11.84 13.13 84.99 85.16

122 85 19.1 15.8 13.34 12.25 85.00 97.98

561 483 103.9 85.7 12.92 12.23 78.49 75.11

257 217 67.5 52.5 13.20 13.13 73.81 68.07

252 254 83.8 80.5 12.98 13.07 74.12 71.33

556 568 253.9 254.5 12.22 12.41 73.87 71.53

374 362 237.7 226.2 11.89 12.06 74.25 72.11

416 396 363.8 348.4 11.76 11.73 71.49 71.32

170 136 198.2 160.8 11.70 11.72 67.14 68.81

118 107 179.3 169.3 11.71 11.98 63.33 64.86

29 24 53.8 46.9 11.96 11.50 52.69 58.20

13 9 38.1 23.1 10.47 11.74 63.08 57.55

19 9 87.4 50.1 12.02 11.90 57.21 62.47

2,950 2,683 1,692.5 1,516.8 11.95 12.02 69.16 69.25

2 1.6 10.40 901.88

1 1.2 10.40 1000.00

1 2 0.2 0.5 11.00 11.96 85.91 86.86

32 22 8.8 5.7 11.56 11.59 75.39 69.59

39 68 13.3 22.8 11.55 11.64 75.10 74.53

212 256 93.1 120.8 11.47 11.45 69.54 74.80

292 246 193.6 160.5 10.98 11.16 76.18 75.94

354 315 323.2 286.5 11.03 11.02 74.51 74.17

136 103 161.5 122.3 11.27 11.23 68.65 68.23

96 68 158.4 110.6 11.45 11.27 68.97 68.40

41 36 92.2 78.8 11.62 11.30 65.98 64.81

19 14 55.5 26.6 11.15 11.58 66.14 42.13

20 12 82.1 37.2 11.28 11.74 51.11 44.76

1,244 1,143 1,183.5 973.5 11.13 11.15 69.59 69.17

BBVA Bancomer

Banorte








(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

51



1 0.3 11.75 79.58

8 11 2.4 3.4 12.22 12.35 64.58 70.73

64 62 27.2 26.0 12.24 12.24 65.18 65.09

73 73 39.8 41.7 12.22 12.13 63.56 65.15

146 138 114.3 104.1 12.22 12.09 63.48 60.95

89 93 93.1 96.9 12.00 12.14 60.32 60.20

142 103 196.6 152.2 12.03 12.17 56.03 61.80

54 39 95.2 74.0 12.05 11.78 50.98 55.48

20 26 46.1 61.3 12.16 11.94 52.71 52.54

34 28 104.6 88.7 12.00 11.96 42.28 43.84

630 574 719.3 648.6 12.09 12.06 54.70 56.92

10.93 13.61 371.49 102.99

14.16 12.72 99.98 101.00

12.12 12.73 101.90 99.91

11 22 2.0 4.0 11.89 12.58 86.33 78.28

48 51 11.4 12.5 11.63 12.05 82.48 78.03

77 66 24.0 18.7 11.50 11.99 73.55 66.87

224 215 95.5 90.0 11.49 11.62 72.42 72.06

193 159 108.7 92.3 11.33 11.56 69.65 70.65

216 178 178.6 149.6 11.23 11.55 69.39 70.05

145 112 159.3 124.8 11.19 11.47 67.43 68.10

135 75 218.5 114.3 11.19 11.47 68.47 67.52

47 28 102.2 58.0 11.22 11.10 66.27 65.05

21 11 57.3 29.9 11.00 11.93 63.52 67.94

10 12 41.2 46.5 11.05 12.30 63.58 57.62

1,127 929 998.6 740.5 11.26 11.58 65.50 64.00

Scotiabank

Santander








(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

52



1 2 0.2 0.4 11.90 11.77 77.77 78.15

5 7 1.3 1.9 11.20 11.54 75.13 76.43

9 11 2.5 3.5 11.05 10.99 60.03 71.31

23 28 9.7 13.3 10.90 10.73 66.66 72.92

25 31 13.6 17.9 11.02 10.66 62.00 66.81

32 35 26.2 28.2 10.72 10.87 68.27 68.66

24 25 27.1 29.6 10.57 10.95 65.74 69.79

25 21 45.0 32.7 10.24 10.73 72.38 62.20

9 8 17.6 17.3 10.61 10.97 59.82 63.14

3 4 10.1 11.8 9.83 9.74 74.28 66.92

2 2 9.3 8.7 9.95 10.67 58.65 64.04

158 174 162.6 165.4 10.50 10.75 66.83 66.76

2 0.5 12.50 61.53

4 1.2 12.34 63.58

5 12 2.6 4.8 12.08 12.31 81.53 65.33

3 9 2.0 4.4 12.50 12.36 72.47 57.58

7 6 4.7 4.6 12.47 12.42 55.47 56.00

7 7 7.2 6.2 12.15 12.34 59.93 54.31

5 6 8.7 9.7 12.32 12.30 72.61 61.98

1 2 1.6 4.8 12.50 12.33 45.93 76.97

1 1 3.9 3.5 12.50 12.50 83.16 81.77

1 2.2 12.20 38.87

30 49 32.9 39.8 12.32 12.35 62.95 62.50

HSBC

Banco del Bajío








(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

53



1 0.3 13.50 80.00

1 0.5 12.50 13.00 85.00 80.14

1 4 0.6 2.5 12.75 13.00 80.00 71.84

1 3 1.0 2.3 12.50 13.00 69.00 72.01

2 1.7 13.00 48.04

2 3 3.6 5.6 12.62 13.00 72.60 71.26

1 3 2.8 6.1 12.50 13.00 80.00 54.51

1 1 1.0 3.1 12.50 13.00 20.00 70.00

3 9.4 11.26 32.23

8 19 9.8 30.6 12.59 12.47 56.68 52.16

2 0.5 12.97 52.99

2 0.8 12.95 75.18

1 0.8 13.99 75.95

2 2.4 13.22 69.13

3 1 5.8 1.0 12.95 12.95 74.05 42.33

1 1.5 12.95 43.47

1 5.2 12.95 80.00

9 4 9.4 8.6 13.03 13.05 71.44 63.46

Banregio

Afirme








(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

54



1 1 0.3 0.3 13.30 13.00 95.01 91.11

1 1 0.4 0.4 13.30 13.00 99.67 90.00

4 3 2.0 1.1 13.12 12.70 83.98 59.40

3 1.5 12.98 58.07

3 2 1.9 1.1 12.60 14.63 57.02 45.18

2 2 1.8 2.7 12.47 13.51 54.16 72.07

1 2 0.8 3.5 12.70 13.44 33.76 64.98

1 2.0 12.90 60.38

1 2.8 12.90 64.99

17 11 13.6 9.2 12.85 13.48 60.47 64.18

1 0.3 12.50 50.00

2 1.0 11.71 47.16

2 1.8 12.44 49.54

3 6 4.9 9.3 12.11 12.33 63.07 67.34

5 2 9.3 5.7 12.90 12.16 49.87 89.07

1 1 3.8 2.0 13.00 11.00 74.13 33.45

13 10 20.8 17.2 12.63 12.12 55.74 64.52

Inbursa

Ixe








(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

55



1 0.5 5.44 31.52

1 1 4.5 2.5 9.66 11.00 92.06 56.67

1 3.0 11.00 57.58

2 2 7.5 3.0 10.20 10.07 74.06 50.02

3 3 2.5 3.3 11.60 11.58 61.54 83.35

3 3 4.8 4.9 11.50 11.50 72.58 67.27

3 7.2 11.50 70.59

2 1 3.5 3.0 11.50 11.50 23.48 53.45

8 10 10.8 18.3 11.52 11.51 42.33 68.07

Banco Azteca

Banca Mifel








(pesos)


(pesos)

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

(0-50,000]

(50,000-100,000]

(100,000-150,000]

(150,000-200,000]

(200,000-300,000]

(300,000-400,000]

(400,000-500,000]

(500,000-750,000]

(750,000-1,000,000]

(1,000,000-1,500,000]

(1,500,000-2,000,000]

(2,000,000-3,000,000]

(3,000,000-4,000,000]

(4,000,000-5,000,000]

más de 5,000,000

Total

56



1 0.7 6.90 86.41

1 1.4 6.90 85.1

2 4.9 6.94 68.59

2 2 2.1 4.9 6.90 6.94 85.53 68.59

3 3 2.5 3.3 11.60 11.58 61.54 83.35

3 3 4.8 4.9 11.50 11.50 72.58 67.27

3 7.2 11.50 70.59

2 1 3.5 3.0 11.50 11.50 23.48 53.45

8 10 10.8 18.3 11.52 11.51 42.33 68.07

Interacciones

Banca Mifel

Información detalladade la Cartera de Créditos al Consumo

Julio - Agosto 2010

58

Número de Créditos Número de Créditos Monto de Crédito Tasa de Interés2/

Otorgados Otorgado (mdp) (%)


Cartera de Crédito AutomotrizImportante: Cifras con fideicomisos UDIS, sin sbsidiarias1/

Institución

Portafolio Total Otorgamiento Mensual

BBVA Bancomer 197,619 192,951 10,637 7,101 1,518.0 1,002.6 12.55 12.81

Banamex 5,982 6,167 208 131 25.0 15.5 n.d. n.d.

Santander 3,356 3,472 1 2 0.0 0.1 4.94 7.67

HSBC 62,782 68,094 651 833 106.9 137.8 13.47 13.71

Banorte 80,613 80,296 2,496 2,423 380.7 375.8 14.19 14.19

Scotiabank 134,755 136,527 2,459 2,469 363.6 370.8 13.68 13.62

Banco Azteca 8,172 8,301 39 29 3.4 2.6 20.27 20.71

Inbursa 6,423 6,514 74 76 428.6 5,783.1 18.08 18.00

Compartamos

Banco Ahorro Famsa 8 8

American Express

BanCoppel

Ixe 95 95 8 5 0.9 0.4 6.90 6.92

Volkswagen Bank 16,340 15,413 1,156 998 172.1 142.3 13.60 13.44

Afirme

Banregio 5,226 5,333 51 33 10.2 7.0 13.70 13.64

Invex

Autofin 13,513 13,527 665 297 27.2 21.3 15.09 15.42

Banco del Bajío 2,258 2,246 81 59 14.3 10.6 13.44 13.90

Multiva 360 359 7 4 1.5 0.4 13.84 12.58

Interacciones 72 74 1 2 0.1 1.1 6.92 6.92

Actinver

Banco Fácil

Banco Wal-Mart

Banca Mifel 812 798 14 24 0.4 0.7 15.00 15.00

Ve por Más

Banco Amigo

Bansí

CIBanco 33 21 12 5 2.2 1.2 12.18 11.95



n.d. Información no disponible

59




Cartera de Créditos Personales1/

Importante: Cifras con fideicomisos UDIS, sin sbsidiarias2/

Institución


BBVA Bancomer 217,440 212,099 15,487 19,853 460.6 604.9 31.83 29.63

Banamex 418,330 414,285 16,972 15,615 1,262.7 1,097.3 n.d. n.d.

Santander 141,359 145,868 3,835 3,816 331.0 348.3 21.83 21.18

HSBC 85,251 84,330 6,781 6,049 252.8 210.4 30.05 29.23

Banorte 3,824 5,416 1 0.0 n.d.

Scotiabank 54,319 57,529 5,019 8,146 1,289.6 2,279.8 16.17 10.58

Banco Azteca 1,896,333 1,834,180 248,022 208,192 1,173.0 1,003.2 61.71 62.37

Inbursa 47,797 46,926 2,275 2,254 73.1 64.7 20.98 21.32

Compartamos 2,360,459 2,339,762 490,746 491,164 3,390.9 3,668.6 78.16 77.75

Banco Ahorro Famsa 737,442 704,833 62,628 57,589 669.8 615.1 70.62 69.24

American Express 577 767 15 18 14.3 22.4 9.28 9.28

BanCoppel 11 9 7 1 0.1 0.1 13.87 10.00

Ixe 2,177 2,133 145 107 18.0 15.7 13.72 13.32

Volkswagen Bank

Afirme 26,785 22,860 4,632 4,200 81.1 75.7 82.48 81.90

Banregio 13,956 14,141 801 742 49.3 30.0 21.01 25.90

Invex

Autofin 149 154 4 6 2.4 0.4 8.82 42.00

Banco del Bajío 1,777 1,877 45 52 3.2 3.5 30.74 30.36

Multiva 156 155 5 8 2.4 14.1 13.63 11.42

Interacciones 13 15 2 40.0 7.41

Actinver 65 73 9 13 7.4 63.6 9.65 9.65

Banco Fácil

Banco Wal-Mart 101 137

Banca Mifel

Ve por Más 68 71 6 9 15.6 5.9 8.86 8.22

Banco Amigo 4,743 4,770 285 853 1.7 7.4 71.40 21.38

Bansí

CIBanco 2 2 1 1.5 11.95

1/ Incluye otros créditos al consumo 2/ Se incluye la información de la cartera de crédito de las sociedades financieras de objeto múltiple, entidades reguladas (SOFOMER), que administran la mayor parte de la cartera de crédito

al consumo de algunos bancos. 3/ Tasa de interés promedio ponderado por monto de crédito, para créditos en moneda nacional. En los rangos que solo contengan créditos en moneda distinta a la nacional, no se mostrará

tasa de interés. n.d. Información no disponible

60




Cartera de Créditos de NóminaImportante: Cifras con fideicomisos UDIS, sin sbsidiarias1/

Institución


BBVA Bancomer 1,394,002 1,386,843 75,135 68,635 1,672.3 1,400.2 35.55 35.46

Banamex 903,545 828,141 19,925 20,791 917.3 907.5 n.d. n.d.

Santander 451,798 436,323 36,915 36,008 976.0 934.5 32.28 32.14

HSBC 394,820 388,305 24,402 24,390 473.7 467.3 33.69 33.72

Banorte 453,670 442,384 39,519 34,705 955.1 846.6 31.23 31.39

Scotiabank 17,820 18,519 868 779 14.6 13.6 36.90 36.90

Banco Azteca 425 489 3 13 0.0 0.2 39.15 38.84

Inbursa 13,335 13,189 973 938 24.8 23.7 24.48 24.33

Compartamos

Banco Ahorro Famsa

American Express

BanCoppel

Ixe

Volkswagen Bank

Afirme 65,154 63,000 18,282 17,444 59.5 61.4 32.00 33.18

Banregio 127 108 19 17 0.2 0.2 20.00 20.00

Invex

Autofin

Banco del Bajío 5,198 5,096 315 274 5.6 5.4 28.00 27.49

Multiva 3,167 3,120 129 94 3.4 2.7 27.72 28.21

Interacciones

Actinver

Banco Fácil

Banco Wal-Mart

Banca Mifel

Ve por Más

Banco Amigo

Bansí 25 25 - - 0.0 0.0

CIBanco



n.d. Información no disponible

61




Cartera de Créditos de Adquisición de Bienes Muebles1/

Importante: Cifras con fideicomisos UDIS, sin sbsidiarias2/

Institución


BBVA Bancomer

Banamex

Santander

HSBC

Banorte

Scotiabank 711 726 22 25 1.2 1.9 12.00 12.00

Banco Azteca 8,269,241 8,134,254 1,166,644 1,008,034 1,436.8 1,271.8 52.15 52.15

Inbursa 2 2

Compartamos

Banco Ahorro Famsa

American Express

BanCoppel

Ixe 11 14

Volkswagen Bank

Afirme 4,742 4,970 11 16 1.1 2.4 13.12 13.12

Banregio 4 4

Invex

Autofin 1,466 1,506 4 17 0.1 0.4 17.78 17.78

Banco del Bajío 4 4

Multiva 4 4

Interacciones

Actinver

Banco Fácil

Banco Wal-Mart

Banca Mifel

Ve por Más

Banco Amigo

Bansí 203 196 8 14 1.0 1.9 15.22 15.22

CIBanco

1/ Incluye Arrendamiento Capitalizable 2/ Se incluye la información de la cartera de crédito de las sociedades financieras de objeto múltiple, entidades reguladas (SOFOMER), que administran la mayor parte de la cartera de crédito

al consumo de algunos bancos. 3/ Tasa de interés promedio ponderado por monto de crédito, para créditos en moneda nacional. En los rangos que solo contengan créditos en moneda distinta a la nacional, no se mostrará

tasa de interés.

62


Otorgados Otorgado (mdp)2/ (%)


Cartera de Tarjetas de CréditoImportante: Cifras con fideicomisos UDIS, sin sbsidiarias1/

Institución


BBVA Bancomer 9,121,346 8,940,919 213,850 191,157 2,543.2 2,271.9

Banamex 4,010,177 4,001,500 27,349 22,893 729.0 653.9

Santander 1,860,285 1,875,853 431 1,473 15.1 32.2

HSBC 1,143,301 1,149,130 45,419 45,591 1,732.3 1,762.7

Banorte 1,281,921 1,267,480 20,227 18,180 340.8 310.1

Scotiabank 457,819 444,200 21,080 20,105 819.0 786.0

Banco Azteca 7,469 5,857 1,640 2 7.3 0.1

Inbursa

Compartamos

Banco Ahorro Famsa

American Express 669,724 679,221 6,351 8,247 211.9 294.9

BanCoppel 1,310,021 1,260,013 71,239 72,691 310.7 293.5

Ixe 160,574 158,718 2,164 1,455 63.1 45.4

Volkswagen Bank

Afirme 12,914 12,758 234 213 11.7 12.1

Banregio 14,931 14,713 195 163 4.6 4.5

Invex 124,857 123,793 6,167 4 32.0 0.3

Autofin

Banco del Bajío 12,730 12,560 288 234 9.3 4.8

Multiva

Interacciones

Actinver

Banco Fácil 58,976 61,583 659 580 3.3 2.9

Banco Wal-Mart 153,454 125,294 32,642 4,017 17.1 21.3

Banca Mifel 865 832 51 62 1.6 1.8

Ve por Más

Banco Amigo

Bansí

CIBanco


2/ Se refiere a la suma de las líneas de crédito autorizadas

Evaluación de la Calidadde InformaciónReportes Operativosde Cartera

Julio - Agosto 2010

64

Evaluación de la Calidad de InformaciónReportes Operativos de Cartera

Con el fin de que los usuarios de la información tengan conocimiento de la calidad con la que las instituciones reportan su información a la CNBV, se ha decidido publicar la evaluación de dicha calidad.

Esta evaluación corresponde a la información reportada por las instituciones de Banca Múltiple relativa a los reportes regulatorios de Cartera de Crédito.

En dichos reportes las instituciones proporcionan información detallada a la CNBV a nivel crédito por crédito en el caso de la cartera comercial y la de vivienda, y por agrupaciones de tipo de crédito y fecha de otorgamiento en la cartera de consumo.

Los aspectos que se están evaluando en términos de calidad son los siguientes:

Consistencia de saldos. Análisis comparativo entre los saldos registrados en estos reportes operativos y los registrados en los reportes contables con el fin de garantizar que se están reportando razonablemente todos los créditos que se deben informar.

Consistencia de tasas de interés. Análisis de la distribución de las tasas de interés reportadas, con el fin de verificar si existen o no tasas anormalmente bajas o altas en comparación con el resto de los créditos.

Información Socio-Económica. En la información de cartera comercial se refiere a las variables relacionadas con el tamaño de la empresa: número de empleados y monto de ventas brutas. En la cartera de vivienda se refiere a información con respecto al tipo de acreditado: monto de ingresos, tipo de salario, número de avalúo del inmueble. En la cartera de consumo no se evalúan variables de este tipo.

El resultado de la evaluación se indica con colores, que implican el nivel de calidad que tiene cada banco:

Verde: La información puede ser utilizada sin ninguna restricción para cualquier propósito de análisis o toma de decisiones.

Amarillo: La información carece de la calidad suficiente para ser utilizada en el análisis o toma de decisiones.

Rojo: La información carece de calidad o no se ha recibido por lo que la información no puede ser usada para ningún propósito.

Gris: La evaluación no aplica para la institución en cuestión porque no posee cartera de ese tipo.

65

Institución

Interpretación de colores:

La información puede ser utilizada sin ninguna restricción para cualquier propósito de análisis o toma de decisiones.La información carece de la calidad suficiente para ser utilizada en el análisis o toma de decisiones.La información carece de calidad o no se ha recibido por lo que la información no puede ser usada para ningún propósito.No aplica el reporte.

Comercial

Saldos Tasas Socio-económica Saldos Tasas Saldos TasasSocio-

económica

Vivienda Consumo

BBVA BANCOMERBANAMEXBANORTESANTANDERINBURSAHSBCSCOTIABANKBANCO DEL BAJÍOINTERACCIONESIXEBANCO AZTECABANREGIOBANCA MIFELBANCO AHORRO FAMSAAFIRMECOMPARTAMOSVE POR MÁSAMERICAN EXPRESSINVEXMULTIVABANSÍINGBANCOPPELMONEXVOLKSWAGEN BANKAUTOFINBANK OF TOKYO-MITSUBISHI UFJDEUTSCHE BANKBANCO WAL-MARTBANCO REGIONALCIBANCOBANK OF AMERICAJ.P. MORGANACTINVERBANCO AMIGOBANCO FÁCILTHE ROYAL BANK OF SCOTLAND

Evaluación de la Calidad de InformaciónReportes Operativos de Cartera

Informe de la Recepciónde Reportes Operativosde Cartera

Julio - Septiembre 2010

67

Institución

Interpretación de colores:

Información recibida por la CNBVInformación no recibida por la CNBVNo aplica el reporte.

Comercial

Jul. Ago. Sep. Jul. Ago. Sep. Jul. Ago. Sep.

Vivienda

EVALUACIÓN DE RECEPCIÓN DE INFORMACIONAL 3 DE NOVIEMBRE DE 2010

Consumo

BBVA BANCOMERBANAMEXBANORTESANTANDERINBURSAHSBCSCOTIABANK INVERLATBANCO DEL BAJÍOINTERACCIONESIXEBANCO AZTECABANREGIOBANCA MIFELBANCO AHORRO FAMSAAFIRMECOMPARTAMOSVE POR MÁSAMERICAN EXPRESSINVEXMULTIVABANSIINGBANCOPPELMONEXVOLKSWAGEN BANKAUTOFINBANK OF TOKYO-MITSUBISHI UFJDEUTSCHE BANKBANCO WAL-MARTBANCO REGIONALCI BANCOBANK OF AMERICAJ.P. MORGANACTINVERBANCO AMIGOBANCO FÁCILTHE ROYAL BANK OF SCOTLANDUBS

boletín estadístico banca múltiple cartera de crédito y ......6 cartera de crédito a empresas...

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