Banco Ademi: Indicadores Financieros

7/27/2019 Banco Ademi: Indicadores Financieros

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

Ademi

Total Cartera de Crditos/Activos Netos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.0

90.0

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

60.0

65.0

70.0

75.0

80.0

85.0

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

2000

4000

6000

8000

10000

12000

14000

16000

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

1.3

1.35

1.4

1.45

1.5

1.55

1.6

MM RD$ % Total

Total Inversiones/Activos Netos

0.0

2.0

4.0

6.0

8.0

10.0

12.0

14.0

16.0

18.0

20.0

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

Ademi

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

0.5

1.0

1.5

2.0

2.5

3.0

3.5

4.0

4.5

5.0

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

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

Total Banco

Disponibilidades/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

Tota l Banco


4/19

INDICADORES ESTRUCTURA DE PASIVOS

Ademi

Total Captaciones/Total Pasivos

0.0

10.0

20.0

30.0

40.0

50.0

60.0

70.0

80.090.0

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-14

M-14

J-14

Total Banco

Pasivos del Banco y Participacin en Total

0

2000

4000

6000

8000

10000

12000

14000

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-141.15

1.2

1.25

1.3

1.35

1.4

1.45

MM RD$ % Total

Total Depsitos/Total Captaciones

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 Banco

Total Valores Circulacin/Total Captaciones

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


5/19

Ademi

Depsitos a la Vista/Total Depsitos

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-13

S-13

N-13 E-14

M-14 M-14 J-14

Total Banco

Depsitos Ahorro/Total Depsitos

0.0

20.0

40.0

60.0

80.0

100.0

120.0

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

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

Total Pasivos/Total Activos Netos

76.0

78.0

80.0

82.0

84.0

86.0

88.0

90.0

92.0

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


6/19

INDICADORES CARTERA DE PRESTAMOS

Ademi

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

92.0

93.0

94.0

95.0

96.0

97.0

98.0

99.0

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

9000

9500

10000

10500

11000

11500

12000

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

1.75

1.8

1.85

1.9

1.95

2

2.05

MM RD$ % Total


7/19

Ademi

Provisin Cartera Crdito/Cartera Vencida

0.0

20.0

40.0

60.0

80.0

100.0

120.0

140.0

160.0

180.0

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

440

460

480

500

520

540

560

580

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

1

1

2

2

3

3

4MM 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

3.0

3.5

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

Ademi

Cartera Vigente ME/Cartera Crdito

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

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

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-14

M-14

J-14

Tota l Ba nco

Cartera e Inversiones Vigentes y % Sistema

9500

10000

10500

11000

11500

12000

12500

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

1.52

1.54

1.56

1.58

1.6

1.62

1.641.66

1.68

1.7

1.72

MM RD$ % Total

Cartera Vencida y Cobranza Judicial 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-

14

J-

14

0

0.5

1

1.5

2

2.5

3

3.5MM RD$ % Total


9/19

INDICADORES LIQUIDEZ

Ademi

Disponibilidades/Total de Captaciones

0.0

5.0

10.0

15.0

20.0

25.0

30.0

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

Tota l Banco

Disponibilidades/Total Captaciones + Oblig. Con

Costo

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

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

5.0

10.0

15.0

20.0

25.0

30.035.0

40.0

45.0

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

500

1000

1500

2000

2500

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

0.2

0.4

0.6

0.8

1

1.2

1.4

MM RD$ % Total


10/19

Ademi

Activos Productivos/Total Captaciones + Oblig. Con Costo

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

Disponibilidades en Banco Central

0

200

400

600

800

1000

1200

1400

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

0.2

0.4

0.6

0.8

1

1.2

MM RD$ % Total

Disponibilidades en Caja

0

50

100

150

200

250

300

350

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

0.2

0.4

0.6

0.8

1

1.2

1.4

MM RD$ % Total


11/19

ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS

Ademi

Sueldos y compensaciones al personal/Total

Gastos Generales y Administrativos

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

Otros Gastos gene rales/Total Gastos grales. y

Admtivos

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

Total Gastos grales. y Admtivos/Total Gastos

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-13Ag-1

3O-13 D-1

3F-14 A-1

4J-14

Total Banco

Gastos Generales y Administrativos y % Total

0

200

400

600

800

1000

1200

1400

1600

1800

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

0.5

1

1.5

2

2.5

3

3.5

4

MM RD$ % Total


12/19

INDICADORES DE GESTION

Ademi

Gastos Operacionales / Ingresos Operacionales

Brutos

72.0

74.0

76.0

78.0

80.0

82.0

84.0

86.0

88.0

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

Total Banco

Gastos de Explotacin / Margen Operacional Bruto

(Cost / Income)

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 Captaciones

+ Oblig. Con Costo)

0.0

2.0

4.0

6.0

8.0

10.0

12.0

14.0

16.0

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

Gastos Financieros/Total Captaciones + Oblig. Con

Costo

0.0

1.0

2.0

3.0

4.0

5.0

6.07.0

8.0

9.0

10.0

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

Ademi

Gastos Financieros / Activos Financieros (CF)

0.0

1.0

2.0

3.0

4.0

5.0

6.0

7.0

8.0

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

8.0

9.0

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

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

2.0

4.0

6.0

8.0

10.0

12.0

14.0

16.0

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

Ademi

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

70.0

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)

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-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

Ademi

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

Ademi

Activos Productivos/Total Pasivos

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

Rentabilidad de los Activos

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

Tota l Banco

Rentabilidad Patrimonial

0.0

5.0

10.0

15.0

20.0

25.0

30.0

35.0

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

Total Banco

Resultados despus de Impto y % en el Total

0

100

200

300

400

500

600

M-

13

J-13 Jl-

13

S-

13

O-

13

N-

13

D-

13

E-

14

F-14 M-

14

A-

14

M-

14

J-14 J-14

0

0.5

1

1.5

2

2.5

3

3.5

MM RD$ % Total


17/19

Ademi

Activos Productivos/Activos Totales Brutos

60.0

65.0

70.0

75.0

80.0

85.0

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

30.0

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

Ademi

Capital Circulacin + Reserva Legal/Pasivos +

Patrimonio

0.0

2.0

4.0

6.0

8.0

10.0

12.0

14.0

16.0

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

5.0

10.0

15.0

20.0

25.0

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

Ademi

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

500

1000

1500

2000

2500

3000

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

2.4

2.5

2.6

2.7

2.8

2.9

3

3.1

MM RD$ % Total

Banco Ademi: Indicadores Financieros

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Transcript of Banco Ademi: Indicadores Financieros