scotiabank: clasificación cartera crédito

8/11/2019 Scotiabank: Clasificación Cartera Crédito

http://slidepdf.com/reader/full/scotiabank-clasificacion-cartera-credito 1/4

CARTERA DE CREDITOSCLASIFICACIÓN DE RIESGO COMO PORCENTAJE DE CADA TIPO DE CRÉDITO

Cartera Total

Bancos MúltiplesScotiabankFECHA

81.86% 6.68% 3.82% 4.53% 3.10%31-dic-10 64.75% 12.90% 9.64% 9.17% 3.54%

81.74% 7.72% 3.66% 3.66% 3.22%31-mar-11

63.98% 13.32% 9.91% 9.01% 3.78%76.65% 13.49% 3.25% 3.66% 2.94%30-jun-11 66.40% 12.29% 10.59% 7.09% 3.63%

76.19% 14.04% 3.40% 3.79% 2.58%30-sep-11 64.95% 12.21% 10.35% 8.25% 4.25%

75.44% 14.91% 3.83% 3.52% 2.29%31-dic-11 64.57% 13.03% 9.95% 8.69% 3.76%

74.94% 15.27% 3.75% 3.61% 2.42%31-mar-12 64.18% 13.54% 9.91% 8.45% 3.91%

78.14% 12.39% 3.10% 3.74% 2.63%30-jun-12 65.24% 13.53% 9.35% 7.91% 3.97%

76.39% 15.03% 3.34% 2.43% 2.80%30-sep-12 66.96% 12.06% 8.92% 7.92% 4.14%

73.67% 17.18% 3.31% 3.06% 2.78%31-dic-12 65.73% 13.74% 7.95% 8.70% 3.88%

75.14% 16.20% 2.98% 2.93% 2.75%31-ene-13 66.46% 13.30% 7.82% 8.64% 3.78%

75.74% 15.34% 3.22% 3.00% 2.70%28-feb-13 66.94% 13.28% 7.65% 8.46% 3.68%

75.76% 16.59% 2.58% 2.44% 2.63%31-mar-13 66.91% 13.56% 7.62% 8.10% 3.80%76.64% 15.66% 2.81% 2.27% 2.63%30-abr-13 67.21% 13.34% 7.76% 7.98% 3.71%

76.72% 15.64% 2.92% 2.06% 2.67%31-may-13 67.56% 13.22% 7.69% 7.93% 3.60%

80.49% 10.35% 4.58% 1.97% 2.61%30-jun-13 67.04% 13.35% 7.52% 8.03% 4.06%

80.75% 11.21% 3.24% 2.16% 2.64%31-jul-13 66.20% 13.81% 7.71% 8.23% 4.04%

81.42% 9.84% 3.95% 2.18% 2.60%31-ago-13 66.01% 13.80% 7.95% 8.31% 3.93%

79.73% 10.73% 4.54% 2.42% 2.58%30-sep-13 65.17% 13.69% 8.55% 8.58% 4.01%

79.42% 10.64% 4.69% 2.69% 2.55%31-oct-13 64.87% 13.65% 8.67% 8.66% 4.15%

78.68% 11.57% 4.35% 2.91% 2.49%30-nov-13 64.82% 14.29% 8.33% 8.58% 3.98%

77.36% 13.31% 3.80% 3.01% 2.53%31-dic-13 64.52% 13.89% 9.13% 8.46% 4.00%

77.35% 13.33% 3.74% 3.05% 2.53%31-ene-14 65.47% 13.92% 8.36% 8.36% 3.90%

78.11% 12.86% 3.65% 2.91% 2.47%28-feb-14 67.04% 13.22% 7.90% 8.08% 3.76%

78.73% 11.17% 4.99% 2.57% 2.53%31-mar-14 66.99% 13.73% 7.41% 8.29% 3.57%

78.60% 12.04% 4.46% 2.61% 2.29%30-abr-14 66.62% 13.63% 7.86% 8.37% 3.52%

78.99% 12.64% 3.10% 2.89% 2.37%31-may-14 65.12% 14.60% 8.03% 8.68% 3.57%

78.21% 11.83% 4.73% 2.90% 2.33%30-jun-14 64.54% 14.47% 8.90% 8.24% 3.85%

of 4jueves, 14 de agosto de 2014




Créditos Comerciales


54.83% 15.39% 9.81% 14.04% 5.94%31-dic-10 49.65% 18.44% 13.84% 13.37% 4.70%

54.00% 19.45% 9.65% 10.44% 6.46%31-mar-11

48.68% 18.97% 14.22% 13.07% 5.06%43.74% 35.15% 6.87% 9.17% 5.07%30-jun-11 52.19% 17.52% 15.30% 10.16% 4.82%

43.18% 35.88% 7.57% 9.19% 4.18%30-sep-11 49.64% 17.42% 15.09% 12.04% 5.80%

44.78% 36.30% 7.29% 8.22% 3.41%31-dic-11 49.40% 18.61% 14.31% 12.63% 5.04%

45.04% 36.61% 6.73% 8.08% 3.54%31-mar-12 49.21% 19.22% 14.13% 12.19% 5.25%

55.40% 27.75% 5.29% 7.83% 3.72%30-jun-12 50.06% 19.58% 13.50% 11.49% 5.36%

48.60% 37.67% 4.93% 4.45% 4.35%30-sep-12 53.75% 16.87% 12.50% 11.40% 5.47%

45.68% 40.32% 4.66% 5.66% 3.68%31-dic-12 51.87% 19.56% 11.08% 12.47% 5.03%

50.29% 36.98% 4.21% 5.06% 3.46%31-ene-13 53.63% 18.63% 10.75% 12.17% 4.83%

49.42% 36.70% 5.41% 5.15% 3.33%28-feb-13 54.63% 18.46% 10.48% 11.79% 4.64%

50.51% 38.13% 4.14% 3.90% 3.31%31-mar-13 54.68% 18.70% 10.45% 11.38% 4.80%51.65% 37.43% 4.18% 3.56% 3.18%30-abr-13 54.96% 18.59% 10.55% 11.24% 4.66%

50.92% 37.95% 4.68% 3.22% 3.22%31-may-13 55.63% 18.30% 10.49% 11.11% 4.48%

61.06% 23.68% 9.13% 2.94% 3.19%30-jun-13 54.82% 18.51% 10.24% 11.25% 5.18%

61.21% 26.26% 5.48% 3.76% 3.29%31-jul-13 53.40% 19.21% 10.59% 11.62% 5.18%

63.07% 22.39% 7.44% 3.99% 3.11%31-ago-13 52.94% 19.30% 10.88% 11.77% 5.11%

57.65% 25.25% 9.46% 4.47% 3.17%30-sep-13 51.50% 19.19% 11.85% 12.17% 5.28%

57.25% 24.52% 10.09% 5.04% 3.10%31-oct-13 50.96% 19.15% 12.08% 12.28% 5.54%

57.11% 25.89% 8.32% 5.68% 2.99%30-nov-13 51.52% 19.72% 11.40% 12.06% 5.30%

54.23% 30.27% 6.92% 5.64% 2.93%31-dic-13 50.99% 19.32% 12.55% 11.74% 5.40%

54.41% 30.40% 6.58% 5.72% 2.89%31-ene-14 52.66% 19.20% 11.37% 11.53% 5.25%

57.67% 28.13% 6.24% 5.32% 2.64%28-feb-14 55.35% 18.02% 10.68% 10.97% 4.98%

57.40% 24.91% 10.93% 3.99% 2.76%31-mar-14 55.61% 18.45% 9.94% 11.34% 4.66%

56.11% 27.67% 9.18% 4.26% 2.78%30-abr-14 54.55% 18.59% 10.60% 11.59% 4.67%

57.67% 28.77% 5.58% 5.03% 2.95%31-may-14 51.58% 20.30% 11.07% 12.22% 4.83%

54.99% 26.66% 10.45% 4.97% 2.94%30-jun-14 50.20% 20.24% 12.50% 11.74% 5.33%





Créditos Consumo


92.47% 3.47% 1.34% 1.09% 1.63%31-dic-10 93.02% 2.52% 1.58% 1.60% 1.29%

92.69% 3.24% 1.45% 1.20% 1.42%31-mar-11

92.73% 2.73% 1.59% 1.60% 1.35%92.63% 3.13% 1.60% 1.30% 1.34%30-jun-11 92.86% 2.48% 1.69% 1.61% 1.36%

91.31% 3.89% 1.74% 1.59% 1.47%30-sep-11 92.32% 2.75% 1.80% 1.65% 1.48%

91.97% 3.19% 1.98% 1.47% 1.39%31-dic-11 92.65% 2.51% 1.75% 1.68% 1.41%

91.43% 3.29% 2.00% 1.77% 1.51%31-mar-12 92.09% 2.81% 1.88% 1.69% 1.54%

91.97% 2.91% 1.74% 1.67% 1.72%30-jun-12 92.38% 2.61% 1.73% 1.72% 1.56%

90.36% 3.59% 2.47% 1.95% 1.62%30-sep-12 91.36% 3.08% 2.13% 1.72% 1.72%

90.85% 3.01% 2.19% 2.14% 1.82%31-dic-12 92.05% 2.49% 1.87% 1.81% 1.78%

91.41% 2.71% 1.93% 2.12% 1.83%31-ene-13 92.05% 2.51% 1.71% 1.94% 1.79%

91.96% 2.41% 1.63% 2.20% 1.80%28-feb-13 91.98% 2.56% 1.65% 1.95% 1.86%

91.37% 3.20% 1.64% 1.97% 1.82%31-mar-13 91.50% 3.05% 1.75% 1.68% 2.02%92.15% 2.28% 1.89% 1.89% 1.78%30-abr-13 91.80% 2.61% 1.98% 1.59% 2.02%

91.81% 2.79% 1.85% 1.75% 1.81%31-may-13 91.97% 2.58% 1.86% 1.60% 1.99%

92.05% 2.62% 1.77% 1.81% 1.75%30-jun-13 91.93% 2.68% 1.75% 1.67% 1.97%

92.33% 2.45% 1.77% 1.76% 1.69%31-jul-13 91.90% 2.79% 1.73% 1.68% 1.90%

92.40% 2.31% 1.94% 1.65% 1.69%31-ago-13 92.01% 2.57% 2.01% 1.57% 1.85%

92.49% 2.48% 1.62% 1.76% 1.65%30-sep-13 92.02% 2.69% 1.85% 1.63% 1.81%

92.23% 2.61% 1.73% 1.79% 1.64%31-oct-13 92.00% 2.68% 1.88% 1.74% 1.69%

91.68% 3.02% 1.99% 1.65% 1.66%30-nov-13 91.58% 3.14% 1.96% 1.76% 1.55%

91.46% 2.95% 2.09% 1.78% 1.73%31-dic-13 92.59% 2.40% 1.94% 1.89% 1.18%

91.31% 2.85% 2.16% 1.93% 1.76%31-ene-14 92.34% 2.63% 1.92% 1.98% 1.14%

91.35% 2.88% 2.12% 1.83% 1.82%28-feb-14 92.36% 2.64% 1.72% 2.08% 1.21%

91.75% 2.77% 1.62% 2.00% 1.86%31-mar-14 92.41% 2.81% 1.72% 1.76% 1.30%

92.35% 2.60% 1.79% 1.93% 1.33%30-abr-14 92.74% 2.69% 1.80% 1.64% 1.13%

92.15% 2.84% 1.73% 1.91% 1.36%31-may-14 93.03% 2.65% 1.62% 1.61% 1.08%

92.37% 2.95% 1.54% 2.00% 1.15%30-jun-14 92.88% 2.83% 1.66% 1.59% 1.04%





Créditos Hipotecarios


91.66% 3.16% 1.89% 0.59% 2.69%31-dic-10 93.80% 2.22% 1.89% 0.63% 1.47%

93.19% 2.63% 0.93% 0.47% 2.78%31-mar-11

93.72% 2.28% 1.87% 0.74% 1.39%93.65% 2.06% 1.20% 0.27% 2.83%30-jun-11 93.47% 2.41% 1.85% 0.85% 1.42%

92.55% 3.47% 0.90% 0.64% 2.44%30-sep-11 93.28% 2.77% 1.70% 0.91% 1.35%

91.90% 3.77% 1.96% 0.16% 2.21%31-dic-11 93.33% 2.72% 1.91% 0.74% 1.30%

90.72% 4.38% 2.34% 0.22% 2.34%31-mar-12 92.33% 3.11% 2.30% 1.09% 1.16%

91.02% 3.92% 1.91% 0.72% 2.42%30-jun-12 92.44% 2.84% 2.24% 1.14% 1.33%

89.91% 4.13% 2.71% 0.47% 2.79%30-sep-12 91.73% 3.21% 2.48% 1.05% 1.53%

88.91% 4.53% 3.11% 0.38% 3.07%31-dic-12 92.26% 2.95% 2.25% 1.01% 1.52%

89.75% 3.78% 2.72% 0.59% 3.17%31-ene-13 92.18% 2.91% 2.39% 1.02% 1.50%

90.39% 3.02% 2.46% 0.83% 3.30%28-feb-13 92.30% 2.89% 2.21% 1.14% 1.46%

89.48% 5.02% 1.66% 0.82% 3.02%31-mar-13 92.00% 3.31% 2.15% 1.11% 1.42%90.61% 3.22% 2.17% 0.72% 3.28%30-abr-13 92.23% 2.93% 2.36% 1.04% 1.44%

90.73% 3.15% 2.02% 0.71% 3.39%31-may-13 92.29% 3.12% 2.07% 1.06% 1.46%

91.20% 2.61% 2.29% 0.59% 3.30%30-jun-13 92.33% 2.94% 2.27% 1.05% 1.42%

90.35% 3.49% 2.44% 0.32% 3.40%31-jul-13 92.16% 3.15% 2.25% 0.97% 1.47%

90.37% 3.77% 2.07% 0.22% 3.57%31-ago-13 92.73% 3.04% 2.20% 0.99% 1.05%

91.03% 3.04% 2.16% 0.30% 3.46%30-sep-13 93.06% 2.77% 2.18% 1.07% 0.92%

90.84% 3.52% 1.59% 0.56% 3.49%31-oct-13 93.15% 2.89% 2.01% 1.06% 0.89%

90.28% 3.72% 2.13% 0.57% 3.29%30-nov-13 92.46% 3.39% 2.31% 0.99% 0.85%

90.69% 3.56% 1.62% 0.70% 3.43%31-dic-13 93.20% 2.75% 2.05% 1.10% 0.89%

90.34% 3.87% 1.82% 0.51% 3.47%31-ene-14 92.97% 2.95% 2.12% 1.11% 0.84%

90.95% 3.49% 1.69% 0.39% 3.47%28-feb-14 93.30% 2.79% 1.94% 1.14% 0.82%

91.58% 2.93% 0.89% 1.13% 3.47%31-mar-14 93.20% 3.52% 1.68% 0.77% 0.84%

91.38% 2.92% 1.32% 0.98% 3.39%30-abr-14 93.23% 3.06% 1.97% 0.91% 0.83%

89.98% 4.01% 1.51% 1.09% 3.41%31-may-14 93.28% 3.04% 1.96% 0.92% 0.81%

90.72% 3.50% 1.04% 1.05% 3.69%30-jun-14 93.33% 3.27% 1.90% 0.82% 0.69%


scotiabank: clasificación cartera crédito

Documents