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Transcript of CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA...

Page 1: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16
Page 2: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL TOTAL ACTIVO DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 1,138,468,828 1,353,346,004 1,568,762,409 1,696,959,195 1,829,226,228 1,730,370,612 1,838,266,248 1,791,434,680 1,840,630,092 1,775,587,429

CSM San Martín de Porres Ltda. 626,307,097 736,814,476 821,698,587 897,019,695 922,445,898 913,933,655 918,612,428 913,649,819 924,151,297 927,363,319

CFA Fátima Ltda. 431,844,555 473,225,012 507,537,032 504,416,915 535,535,226 544,705,788 543,828,825 543,415,186 548,443,056 549,618,146

CSP San Pedro Ltda. 139,501,517 145,660,610 141,902,685 137,711,057 143,696,918 142,911,285 141,605,919 142,801,090 145,561,058 140,845,827

CLY Loyola Ltda. 138,655,754 133,692,229 144,660,530 161,189,641 189,116,075 197,426,669 197,666,381 204,296,531 207,356,039 221,826,581

CSA San Antonio Ltda 195,473,219 214,742,759 249,179,070 262,970,398 275,827,292 273,593,725 272,028,022 281,541,479 291,723,299 298,029,811

CPX Pío X Ltda. 110,965,820 133,723,064 153,056,226 183,702,840 195,320,586 199,225,511 198,252,627 198,010,653 205,336,839 204,795,700

CIH Inca Huasi Ltda. 141,581,554 157,688,700 172,451,689 181,385,747 192,348,645 195,426,291 198,624,156 200,343,673 202,741,361 205,552,760

CQC Quillacollo Ltda. 148,713,958 162,650,884 171,775,451 168,144,375 171,368,309 174,944,288 172,292,015 176,424,820 178,301,467 185,769,969

CJP San José de Punata Ltda. 79,614,657 85,166,466 99,011,779 108,164,675 119,616,927 121,596,682 121,988,717 121,666,218 122,896,946 126,631,666

CMG Monseñor Félix Gainza Ltda. 77,824,760 83,156,002 86,047,562 89,760,639 94,148,124 93,454,995 96,479,361 99,758,310 103,359,931 104,251,880

CEC Educadores Gran Chaco Ltda. 53,322,389 56,211,883 61,160,684 66,401,564 68,294,014 68,457,239 67,404,699 66,892,541 65,372,110 63,747,391

CCR El Chorolque Ltda. 142,344,172 151,317,293 157,612,113 168,379,677 184,183,930 186,741,285 193,960,554 197,224,201 204,995,511 207,481,522

CCM Comarapa Ltda. 96,550,389 110,462,715 115,756,038 127,167,320 127,124,643 120,590,541 122,249,275 130,153,070 137,820,681 139,085,234

CST San Mateo Ltda. 74,715,606 79,832,641 81,082,400 87,466,923 88,707,173 92,804,100 93,874,762 95,596,322 97,047,486 98,948,611

CTR Trinidad Ltda. 52,925,487 54,267,700 55,428,621 56,155,462 58,793,240 57,511,212 56,993,012 56,634,945 57,294,284 55,870,612

CJO San Joaquín Ltda. 66,303,615 69,185,470 79,423,513 88,367,813 97,502,124 99,583,598 102,953,067 101,991,963 102,081,327 103,645,919

CMR Magisterio Rural Ltda. 91,994,926 101,395,489 107,516,481 122,591,190 132,271,773 135,588,323 142,364,989 149,593,012 152,120,875 151,103,446

CJB San José de Bermejo Ltda. 66,246,461 68,196,827 71,299,752 74,292,297 74,707,221 72,537,960 71,233,169 73,935,847 76,668,244 74,755,773

CCP Catedral Ltda. 152,208,659 166,118,365 177,505,141 178,794,438 184,357,749 184,248,621 185,226,534 185,590,515 196,896,487 200,185,493

CAS Asunción Ltda. 166,650,466 173,724,970 194,757,066 221,055,449 236,095,437 237,611,696 246,982,915 253,069,052 255,313,397 250,549,075

CCA Catedral de Tarija Ltda. 107,762,149 116,281,347 122,279,215 127,391,397 135,641,942 137,605,820 138,771,657 137,494,874 138,947,832 138,821,901

CSR San Roque Ltda. 99,851,962 120,248,770 139,500,548 150,585,001 176,664,886 175,913,175 183,346,815 185,223,389 187,038,685 193,191,712

CMM Madre y Maestra Ltda. 65,091,461 74,452,114 85,867,763 95,986,639 102,279,981 104,864,770 106,006,310 106,671,791 106,066,802 107,086,774

CME La Merced Ltda. 219,581,504 254,456,151 284,303,715 302,259,748 315,172,846 314,299,098 315,079,533 320,289,141 321,792,448 323,870,607

CCB San Carlos Borromeo Ltda. 77,462,092 82,901,985 88,460,892 92,084,471 93,754,674 95,297,499 102,156,444 106,149,185 106,345,598

CCF CACEF R.L. 215,727,580 214,898,723 226,034,124 235,453,708 239,625,271

CPG Progreso R.L. 233,720,121 245,674,339 251,830,485 249,067,414

CLS La Sagrada Familia R.L. 59,009,979

CMD Magisterio Rural de Chuquisaca R.L. 221,226,476

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 3: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DE LA CARTERA NETA DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 795,234,296 915,822,628 1,008,606,393 1,040,552,356 1,105,194,643 1,112,417,337 1,111,549,757 1,124,238,943 1,130,324,902 1,128,575,691

CSM San Martín de Porres Ltda. 480,422,552 554,640,200 617,765,169 652,886,647 679,765,714 677,851,327 680,160,202 676,216,790 676,377,576 673,690,420

CFA Fátima Ltda. 295,901,538 317,757,025 339,353,464 346,860,865 350,563,057 345,094,033 345,590,722 348,411,978 354,407,403 341,981,888

CSP San Pedro Ltda. 84,178,051 102,694,122 89,343,644 86,163,674 85,385,844 81,764,248 79,842,299 77,391,145 76,721,865 72,203,337

CLY Loyola Ltda. 89,793,797 90,499,018 104,564,524 121,924,039 130,494,545 133,271,639 135,653,136 143,679,192 151,238,867 152,338,531

CSA San Antonio Ltda 141,117,256 160,846,563 185,309,262 199,128,974 212,272,927 213,742,127 212,501,985 224,657,564 232,081,814 234,407,778

CPX Pío X Ltda. 91,111,047 104,859,055 121,269,363 143,602,188 152,346,955 153,477,050 153,950,756 156,775,998 162,942,811 164,651,790

CIH Inca Huasi Ltda. 110,692,668 116,792,637 126,666,216 137,376,822 142,837,264 145,048,697 148,615,131 152,515,226 153,067,428 153,853,334

CQC Quillacollo Ltda. 118,631,289 125,672,917 130,140,423 132,200,616 130,513,910 129,271,872 134,579,579 141,508,449 144,126,887 145,315,784

CJP San José de Punata Ltda. 61,261,894 65,953,905 76,251,814 87,877,318 96,590,077 96,693,895 94,504,874 97,217,760 99,879,411 100,261,236

CMG Monseñor Félix Gainza Ltda. 59,036,737 64,487,467 65,822,832 68,278,298 73,624,276 75,575,379 75,002,542 77,436,560 80,687,335 83,111,900

CEC Educadores Gran Chaco Ltda. 39,993,241 41,932,283 45,309,062 53,851,474 51,484,342 49,849,860 48,721,568 49,553,365 47,888,672 46,771,687

CCR El Chorolque Ltda. 118,732,299 120,041,887 130,183,821 136,642,943 148,467,504 147,382,155 149,639,351 154,644,608 160,075,048 161,818,637

CCM Comarapa Ltda. 64,687,123 75,069,299 83,163,125 83,407,925 96,548,796 94,279,900 91,538,432 91,621,499 93,138,394 94,137,674

CST San Mateo Ltda. 54,018,175 58,567,285 58,846,853 63,107,125 64,701,683 64,313,632 65,613,306 69,085,133 70,884,995 69,354,676

CTR Trinidad Ltda. 43,370,021 45,355,029 47,144,387 46,323,193 48,674,939 48,812,461 48,602,095 49,144,676 49,774,127 48,876,296

CJO San Joaquín Ltda. 47,894,199 52,548,003 58,601,325 65,659,841 70,169,650 70,676,170 71,305,831 73,041,922 74,614,604 71,599,856

CMR Magisterio Rural Ltda. 71,550,881 81,995,424 85,395,517 96,674,785 107,338,079 110,419,711 112,934,100 121,046,890 127,441,020 130,159,481

CJB San José de Bermejo Ltda. 43,053,129 45,596,842 47,884,290 48,345,775 52,214,997 51,721,416 49,656,774 49,558,037 51,452,948 51,707,577

CCP Catedral Ltda. 104,266,378 124,998,518 127,629,304 132,065,991 138,526,543 135,697,351 137,313,482 141,350,050 147,647,398 154,466,795

CAS Asunción Ltda. 101,027,858 115,976,263 125,971,931 150,534,615 165,738,436 168,997,903 168,011,274 172,449,040 177,017,584 176,402,980

CCA Catedral de Tarija Ltda. 76,286,372 78,791,523 83,214,625 87,275,341 91,139,804 92,419,459 95,578,728 96,315,279 98,016,857 96,470,520

CSR San Roque Ltda. 70,857,677 86,682,001 103,798,398 113,193,278 125,660,795 126,508,357 125,911,356 127,775,659 136,656,355 135,997,808

CMM Madre y Maestra Ltda. 48,151,765 54,846,489 63,607,199 69,824,776 74,397,422 74,830,945 75,555,261 76,769,723 78,840,792 77,727,504

CME La Merced Ltda. 168,170,225 191,653,147 216,174,926 222,511,619 225,403,570 221,949,252 225,487,054 231,640,250 234,927,510 233,574,022

CCB San Carlos Borromeo Ltda. 59,359,486 64,698,494 67,297,182 77,527,317 76,359,194 77,769,843 81,882,748 87,000,740 87,465,769

CCF CACEF R.L. 161,197,058 163,993,543 172,275,305 179,384,553 182,099,870

CPG Progreso R.L. 182,623,133 194,919,133 203,454,218 203,312,244

CLS La Sagrada Familia R.L. 53,334,858

CMD Magisterio Rural de Chuquisaca R.L. 167,238,962

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 4: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DE LAS OBLIGACIONES CON EL PÚBLICO DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 889,839,964 985,748,827 1,155,147,269 1,217,603,726 1,340,168,663 1,250,663,735 1,311,385,707 1,274,227,117 1,338,352,713 1,288,649,413

CSM San Martín de Porres Ltda. 540,711,716 607,658,239 641,741,676 704,365,528 732,210,693 718,435,439 719,108,578 707,616,392 721,239,357 726,076,245

CFA Fátima Ltda. 356,053,369 375,811,842 398,343,861 416,675,881 430,286,240 429,303,422 427,729,819 427,149,375 430,610,421 433,008,695

CSP San Pedro Ltda. 109,927,702 113,361,828 106,756,381 104,361,665 110,355,421 109,492,448 109,046,542 110,513,333 110,141,984 107,116,425

CLY Loyola Ltda. 96,557,916 90,077,465 96,256,914 110,503,255 135,779,967 143,036,606 142,884,631 149,306,834 152,057,816 166,022,082

CSA San Antonio Ltda 140,483,495 154,939,847 176,415,397 185,527,002 199,386,484 200,208,257 202,616,259 202,097,082 205,715,949 214,462,532

CPX Pío X Ltda. 81,741,055 98,936,275 108,138,505 123,813,566 137,461,765 141,705,277 146,174,886 145,448,672 149,601,915 147,862,793

CIH Inca Huasi Ltda. 105,754,778 117,022,494 129,186,866 133,917,706 142,619,039 145,071,671 147,947,294 148,922,807 150,504,685 152,888,387

CQC Quillacollo Ltda. 115,390,626 127,089,334 133,565,613 126,983,960 129,041,628 132,920,688 130,667,194 133,797,970 133,677,481 140,369,128

CJP San José de Punata Ltda. 57,549,335 60,380,108 71,696,030 78,804,008 88,351,463 89,819,832 90,425,990 89,524,294 90,364,334 93,409,818

CMG Monseñor Félix Gainza Ltda. 49,843,377 52,413,152 53,558,179 56,261,819 60,439,222 59,160,214 60,395,894 62,691,611 64,457,680 64,318,558

CEC Educadores Gran Chaco Ltda. 40,761,293 43,793,723 46,623,393 51,159,746 52,300,730 52,377,054 51,165,727 50,220,114 48,870,515 47,799,638

CCR El Chorolque Ltda. 116,044,716 119,475,495 124,534,966 132,618,766 144,858,924 146,132,910 152,555,608 154,367,344 160,683,436 161,733,168

CCM Comarapa Ltda. 82,149,384 94,085,539 97,351,750 109,052,706 109,377,181 102,452,229 103,913,968 111,539,755 119,238,811 115,037,089

CST San Mateo Ltda. 61,714,839 65,056,655 66,200,660 71,610,241 72,091,478 76,035,263 76,980,317 78,375,221 79,847,895 81,567,353

CTR Trinidad Ltda. 41,885,430 42,931,079 44,902,215 44,606,721 47,289,218 45,952,782 45,698,554 45,623,372 46,034,905 44,503,847

CJO San Joaquín Ltda. 53,960,731 55,648,293 64,051,099 73,300,823 81,532,161 83,855,905 87,042,265 85,974,347 85,713,507 87,353,144

CMR Magisterio Rural Ltda. 76,694,458 83,350,753 87,739,915 100,605,903 108,851,126 111,225,332 114,901,582 117,923,759 118,841,662 116,287,824

CJB San José de Bermejo Ltda. 50,145,497 51,789,088 54,255,842 57,355,148 57,666,027 55,215,317 53,878,949 56,409,328 59,294,235 57,231,483

CCP Catedral Ltda. 129,665,051 140,534,120 153,655,428 150,647,952 156,051,818 155,484,003 157,522,372 157,286,780 168,233,630 170,529,526

CAS Asunción Ltda. 141,329,295 143,714,740 163,853,418 188,050,334 200,010,596 200,124,506 209,102,796 213,518,279 218,015,821 211,280,909

CCA Catedral de Tarija Ltda. 85,538,190 92,389,275 95,026,580 101,223,010 108,821,343 110,576,978 111,672,428 109,630,750 110,898,286 110,064,588

CSR San Roque Ltda. 79,427,149 98,216,463 115,576,785 124,870,445 140,858,115 139,406,946 147,367,785 148,576,568 151,179,795 157,174,588

CMM Madre y Maestra Ltda. 50,953,832 58,684,556 70,535,817 79,320,782 84,737,809 86,763,026 87,746,592 87,740,498 86,959,090 87,411,366

CME La Merced Ltda. 189,947,792 221,441,034 250,516,841 265,157,329 277,552,575 282,384,350 282,495,608 286,914,289 288,984,645 287,931,790

CCB San Carlos Borromeo Ltda. 65,758,069 70,677,100 74,982,579 76,572,930 78,013,176 78,215,462 85,305,630 88,767,594 88,802,104

CCF CACEF R.L. 153,110,879 162,134,851 174,881,427 177,694,273 180,059,428

CPG Progreso R.L. 193,711,180 198,532,024 203,480,430 195,887,789

CLS La Sagrada Familia R.L. 23,097,933

CMD Magisterio Rural de Chuquisaca R.L. 182,001,508

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 5: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DE LAS OBLIGACIONES CON EIFs DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 35,903,344 130,439,956 141,314,935 190,916,840 203,770,433 170,443,615 198,173,822 188,350,104 171,298,698 161,813,853

CSM San Martín de Porres Ltda. 13,832,784 46,505,881 89,600,451 95,217,142 89,332,557 94,747,213 96,514,735 100,086,135 98,103,573 94,805,567

CFA Fátima Ltda. 1,500,208 27,536,269 35,098,141 14,254,393 24,717,049 34,400,554 34,850,094 35,304,574 35,759,054 34,448,699

CSP San Pedro Ltda. - - - - - - - - - -

CLY Loyola Ltda. - - - - - - - - - -

CSA San Antonio Ltda - - 9,843,806 13,545,011 8,065,333 4,077,486 2,045,000 10,061,184 13,576,566 9,503,856

CPX Pío X Ltda. - 3,039,583 9,367,338 22,326,779 18,714,160 17,614,135 12,266,631 11,895,072 14,036,339 13,905,954

CIH Inca Huasi Ltda. - - - - 2,375,000 2,250,000 2,125,000 2,000,000 1,875,000 1,750,000

CQC Quillacollo Ltda. 1,406,417 - 1,015,918 2,853,426 1,682,916 885,081 893,219 902,310 2,456,254 2,966,436

CJP San José de Punata Ltda. - - - - - - - - - -

CMG Monseñor Félix Gainza Ltda. 98,812 98,822 - - - - 1,501,250 1,520,417 3,052,319 3,101,538

CEC Educadores Gran Chaco Ltda. - - - - - - - 622,797 769,240 777,224

CCR El Chorolque Ltda. 183,907 104,373 38,662 138,797 18,950 18,956 18,962 18,968 18,974 18,980

CCM Comarapa Ltda. - - - 25,725 - - - - 300,000 5,896,001

CST San Mateo Ltda. 300,000 - - - - - - - - -

CTR Trinidad Ltda. 5,776 - - 344,287 350,193 351,913 - - - -

CJO San Joaquín Ltda. 1,514,226 1,515,189 1,374,714 1,445,292 2,526,246 2,020,871 2,019,620 1,573,070 2,009,917 2,009,917

CMR Magisterio Rural Ltda. 39,420 39,136 39,218 - - - 3,478,706 6,665,245 6,610,845 6,728,151

CJB San José de Bermejo Ltda. 25,059 32,100 7,040 7,046 7,061 7,020 7,061 7,021 7,062 7,021

CCP Catedral Ltda. 1,619,882 518,315 29,928 2,029,965 1,030,855 1,030,866 31,662 31,741 31,820 31,897

CAS Asunción Ltda. 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367 1,150,367

CCA Catedral de Tarija Ltda. 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957 208,957

CSR San Roque Ltda. 1,189,292 1,189,292 1,189,292 2,191,153 10,856,997 11,008,755 9,841,003 10,021,066 9,081,757 9,218,178

CMM Madre y Maestra Ltda. - - - - - - - - - -

CME La Merced Ltda. 811,121 4,186,149 2,073,178 5,362,206 5,050,235 590,651 563,749 563,106 536,264 535,561

CCB San Carlos Borromeo Ltda. - - - 1,500,000 1,406,250 2,312,500 2,156,250 2,000,000 1,843,750

CCF CACEF R.L. 29,053,037 18,834,621 15,689,866 20,263,346 20,544,147

CPG Progreso R.L. 353,010 6,355,940 6,097,500 10,205,806

CLS La Sagrada Familia R.L. 24,285,538

CMD Magisterio Rural de Chuquisaca R.L. -

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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CUADRO EVOLUTIVO DEL PATRIMONIO DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 143,040,955 153,655,733 158,183,004 165,140,163 172,963,387 174,764,219 176,206,689 177,700,664 179,839,376 181,456,328

CSM San Martín de Porres Ltda. 57,295,035 65,058,632 71,298,624 77,598,423 81,857,201 82,188,372 84,092,511 84,958,512 84,356,780 85,406,763

CFA Fátima Ltda. 58,711,110 55,341,549 58,282,647 59,776,201 65,003,972 64,432,064 65,107,414 63,867,513 66,686,896 65,970,933

CSP San Pedro Ltda. 26,901,626 28,915,253 31,141,933 30,455,719 30,168,792 30,264,700 29,324,976 29,308,132 31,810,730 29,953,163

CLY Loyola Ltda. 32,697,964 34,716,263 38,142,497 40,263,571 42,211,579 42,152,111 42,506,248 42,889,157 43,436,297 43,866,609

CSA San Antonio Ltda 47,345,164 50,971,901 53,303,251 54,659,892 57,945,210 58,943,021 57,461,877 58,565,698 60,985,229 61,733,391

CPX Pío X Ltda. 22,682,685 24,834,670 27,217,461 29,143,113 31,310,483 31,612,647 32,774,829 33,935,332 33,191,813 33,887,204

CIH Inca Huasi Ltda. 30,333,993 33,628,436 35,711,819 38,156,010 40,131,845 40,599,167 41,184,011 41,781,261 42,261,788 42,829,143

CQC Quillacollo Ltda. 24,696,540 27,111,108 28,947,418 29,613,994 31,442,601 32,042,783 31,982,808 31,635,327 32,196,658 32,658,172

CJP San José de Punata Ltda. 17,917,396 19,976,353 21,180,672 22,420,100 23,678,144 23,777,508 24,465,451 25,140,585 24,629,227 25,796,083

CMG Monseñor Félix Gainza Ltda. 22,872,078 25,036,827 26,240,126 27,122,859 27,669,254 28,034,938 28,424,874 28,983,377 29,314,080 30,483,125

CEC Educadores Gran Chaco Ltda. 10,117,253 10,290,061 10,800,765 11,737,091 12,249,440 12,033,967 12,090,215 11,952,712 12,763,013 12,189,689

CCR El Chorolque Ltda. 20,080,762 23,866,582 26,042,485 28,626,473 31,547,604 32,500,174 33,301,628 34,261,905 32,505,253 33,510,456

CCM Comarapa Ltda. 11,483,521 13,022,266 14,706,499 15,320,975 15,173,805 15,340,395 15,520,389 15,534,722 15,538,823 15,194,058

CST San Mateo Ltda. 9,223,417 10,884,070 11,338,708 12,098,850 12,815,311 12,727,918 13,040,343 12,998,121 13,398,551 13,138,722

CTR Trinidad Ltda. 8,997,511 9,295,478 9,101,947 9,659,816 9,632,018 9,538,838 9,447,877 9,071,302 9,691,903 9,707,606

CJO San Joaquín Ltda. 8,595,317 9,272,274 10,171,869 10,182,083 10,114,469 10,364,359 10,361,955 10,619,268 10,590,634 10,662,986

CMR Magisterio Rural Ltda. 11,932,551 13,918,265 15,071,447 16,797,598 18,156,730 18,738,254 18,513,570 19,274,015 20,093,357 21,128,295

CJB San José de Bermejo Ltda. 13,296,489 13,560,439 13,816,931 13,980,423 14,041,222 14,368,780 14,224,314 14,364,189 14,125,345 14,236,834

CCP Catedral Ltda. 16,981,606 19,869,467 19,444,025 21,070,380 21,540,927 22,122,587 22,110,959 22,467,671 23,261,621 23,707,285

CAS Asunción Ltda. 14,668,876 16,735,524 18,257,280 20,621,883 22,605,308 24,108,865 24,705,790 26,138,364 23,606,774 25,914,111

CCA Catedral de Tarija Ltda. 16,687,452 17,795,143 19,652,857 19,690,643 20,333,635 20,449,311 20,411,313 20,794,945 21,147,126 21,648,809

CSR San Roque Ltda. 14,495,746 16,092,886 18,013,759 18,339,804 19,228,725 19,532,438 19,851,019 20,039,940 20,160,618 20,155,410

CMM Madre y Maestra Ltda. 8,963,087 9,670,311 9,553,788 10,450,571 11,399,774 11,662,391 12,054,403 12,382,421 12,238,715 12,543,955

CME La Merced Ltda. 23,501,496 22,270,247 24,658,983 25,388,929 26,030,879 24,428,547 24,684,546 25,251,582 26,281,632 26,684,432

CCB San Carlos Borromeo Ltda. 8,526,715 9,268,711 10,104,161 10,787,173 11,225,724 11,399,614 11,078,875 11,653,598 11,939,134

CCF CACEF R.L. 26,029,042 25,985,389 27,300,024 25,774,865 28,250,078

CPG Progreso R.L. 32,724,752 33,112,585 34,487,391 34,724,513

CLS La Sagrada Familia R.L. 9,082,748

CMD Magisterio Rural de Chuquisaca R.L. 27,467,676

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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CUADRO EVOLUTIVO DE LOS RESULTADOS NETOS DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en Bolivianos)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 5,364,898 7,413,043 2,016,548 2,673,433 3,439,440 608,845 2,090,271 2,534,304 3,813,148 200,748

CSM San Martín de Porres Ltda. 4,227,920 4,253,397 4,293,744 4,311,671 2,760,349 693,182 1,482,638 2,314,328 3,444,150 912,690

CFA Fátima Ltda. 4,196,240 (2,554,008) 4,008,698 1,529,264 6,601,729 (560,031) 355,236 12,078 2,997,461 (429,387)

CSP San Pedro Ltda. 706,424 1,082,521 1,437,265 (1,373,241) (781,075) 26,208 (841,792) (899,856) 1,339,942 (1,506,951)

CLY Loyola Ltda. 2,744,365 2,509,434 3,855,578 2,781,408 2,515,434 659,539 970,475 1,309,010 1,739,981 390,552

CSA San Antonio Ltda 3,196,901 3,098,463 3,317,007 2,502,325 2,576,898 827,251 773,687 1,673,107 3,428,158 547,042

CPX Pío X Ltda. 1,734,785 2,152,864 2,550,447 1,895,177 1,457,775 424,102 1,566,143 2,696,887 1,852,527 856,324

CIH Inca Huasi Ltda. 2,405,382 3,443,380 2,620,715 2,405,556 2,125,112 457,057 1,270,704 1,868,029 2,343,870 558,277

CQC Quillacollo Ltda. 2,030,903 3,001,099 1,769,240 1,221,656 2,120,914 406,902 304,888 972,404 1,501,705 222,904

CJP San José de Punata Ltda. 1,383,532 2,653,431 2,501,614 2,087,366 1,621,737 893,621 1,492,690 2,101,313 1,542,038 957,931

CMG Monseñor Félix Gainza Ltda. 3,179,545 2,770,165 1,819,272 1,158,110 553,866 345,974 681,739 1,229,514 1,369,086 1,151,040

CEC Educadores Gran Chaco Ltda. 234,225 62,364 408,858 175,443 180,763 (245,269) (408,317) (600,458) 29,693 (590,011)

CCR El Chorolque Ltda. 3,058,648 3,960,504 2,443,194 2,615,814 3,000,682 903,951 1,969,093 2,880,730 1,011,598 924,233

CCM Comarapa Ltda. 2,058,430 1,377,921 1,541,129 429,133 (456,514) 115,091 238,484 205,418 178,418 (375,976)

CST San Mateo Ltda. 803,864 1,518,215 300,202 501,828 409,204 (151,019) 72,559 (62,305) 303,601 (324,668)

CTR Trinidad Ltda. 96,986 285,972 (132,441) 527,660 21,938 (107,329) (210,355) (599,886) 11,416 8,199

CJO San Joaquín Ltda. 334,445 739,269 891,670 321,829 (95,279) 185,149 174,136 400,219 340,925 12,892

CMR Magisterio Rural Ltda. 1,085,438 1,964,742 1,215,338 1,722,193 1,384,873 546,246 426,605 1,138,834 1,920,800 998,344

CJB San José de Bermejo Ltda. 1,332,649 780,839 387,668 72,859 56,985 367,456 290,291 461,266 293,517 145,704

CCP Catedral Ltda. 1,455,565 2,782,507 243,850 1,037,235 209,175 348,810 375,937 601,374 1,000,919 187,069

CAS Asunción Ltda. 2,639,874 2,174,369 1,722,788 2,337,192 2,463,132 1,324,498 2,583,534 3,911,537 1,300,376 2,196,492

CCA Catedral de Tarija Ltda. 2,437,302 1,374,660 1,954,335 196,528 504,102 83,119 98,276 458,927 791,198 472,588

CSR San Roque Ltda. 1,083,548 1,626,176 1,399,865 781,462 1,092,911 271,836 1,005,061 1,160,362 1,250,241 (43,699)

CMM Madre y Maestra Ltda. 1,298,131 1,147,743 60,923 649,185 666,592 252,117 410,482 731,880 579,464 511,240

CME La Merced Ltda. 113,218 (1,621,988) 1,066,313 301,003 135,955 (2,091,262) (2,100,812) (2,019,396) (1,228,926) 155,779

CCB San Carlos Borromeo Ltda. 1,033,943 472,331 483,606 388,752 353,801 539,817 192,478 726,400 220,336

CCF CACEF R.L. 1,732,314 2,458,578 3,683,913 1,543,254 1,756,913

CPG Progreso R.L. 576,392 1,069,702 1,741,307 328,652

CLS La Sagrada Familia R.L. (109,383)

CMD Magisterio Rural de Chuquisaca R.L. 541,317

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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Page 9: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE ESTRUCTURA (CARTERA NETA / TOTAL ACTIVO) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Entre el 65% y 80%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 69.85% 67.67% 64.29% 61.32% 60.42% 64.29% 60.47% 62.76% 61.41% 63.56%

CSM San Martín de Porres Ltda. 76.71% 75.28% 75.18% 72.78% 73.69% 74.17% 74.04% 74.01% 73.19% 72.65%

CFA Fátima Ltda. 68.52% 67.15% 66.86% 68.76% 65.46% 63.35% 63.55% 64.12% 64.62% 62.22%

CSP San Pedro Ltda. 60.34% 70.50% 62.96% 62.57% 59.42% 57.21% 56.38% 54.20% 52.71% 51.26%

CLY Loyola Ltda. 64.76% 67.69% 72.28% 75.64% 69.00% 67.50% 68.63% 70.33% 72.94% 68.67%

CSA San Antonio Ltda 72.19% 74.90% 74.37% 75.72% 76.96% 78.12% 78.12% 79.80% 79.56% 78.65%

CPX Pío X Ltda. 82.11% 78.42% 79.23% 78.17% 78.00% 77.04% 77.65% 79.18% 79.35% 80.40%

CIH Inca Huasi Ltda. 78.18% 74.07% 73.45% 75.74% 74.26% 74.22% 74.82% 76.13% 75.50% 74.85%

CQC Quillacollo Ltda. 79.77% 77.27% 75.76% 78.62% 76.16% 73.89% 78.11% 80.21% 80.83% 78.22%

CJP San José de Punata Ltda. 76.95% 77.44% 77.01% 81.24% 80.75% 79.52% 77.47% 79.91% 81.27% 79.18%

CMG Monseñor Félix Gainza Ltda. 75.86% 77.55% 76.50% 76.07% 78.20% 80.87% 77.74% 77.62% 78.06% 79.72%

CEC Educadores Gran Chaco Ltda. 75.00% 74.60% 74.08% 81.10% 75.39% 72.82% 72.28% 74.08% 73.26% 73.37%

CCR El Chorolque Ltda. 83.41% 79.33% 82.60% 81.15% 80.61% 78.92% 77.15% 78.41% 78.09% 77.99%

CCM Comarapa Ltda. 67.00% 67.96% 71.84% 65.59% 75.95% 78.18% 74.88% 70.40% 67.58% 67.68%

CST San Mateo Ltda. 72.30% 73.36% 72.58% 72.15% 72.94% 69.30% 69.89% 72.27% 73.04% 70.09%

CTR Trinidad Ltda. 81.95% 83.58% 85.05% 82.49% 82.79% 84.87% 85.28% 86.77% 86.87% 87.48%

CJO San Joaquín Ltda. 72.23% 75.95% 73.78% 74.30% 71.97% 70.97% 69.26% 71.62% 73.09% 69.08%

CMR Magisterio Rural Ltda. 77.78% 80.87% 79.43% 78.86% 81.15% 81.44% 79.33% 80.92% 83.78% 86.14%

CJB San José de Bermejo Ltda. 64.99% 66.86% 67.16% 65.08% 69.89% 71.30% 69.71% 67.03% 67.11% 69.17%

CCP Catedral Ltda. 68.50% 75.25% 71.90% 73.86% 75.14% 73.65% 74.13% 76.16% 74.99% 77.16%

CAS Asunción Ltda. 60.62% 66.76% 64.68% 68.10% 70.20% 71.12% 68.03% 68.14% 69.33% 70.41%

CCA Catedral de Tarija Ltda. 70.79% 67.76% 68.05% 68.51% 67.19% 67.16% 68.87% 70.05% 70.54% 69.49%

CSR San Roque Ltda. 70.96% 72.09% 74.41% 75.17% 71.13% 71.92% 68.67% 68.98% 73.06% 70.40%

CMM Madre y Maestra Ltda. 73.98% 73.67% 74.08% 72.74% 72.74% 71.36% 71.27% 71.97% 74.33% 72.58%

CME La Merced Ltda. 76.59% 75.32% 76.04% 73.62% 71.52% 70.62% 71.57% 72.32% 73.01% 72.12%

CCB San Carlos Borromeo Ltda. 76.63% 78.04% 76.08% 84.19% 81.45% 81.61% 80.15% 81.96% 82.25%

CCF CACEF R.L. 74.72% 76.31% 76.22% 76.19% 75.99%

CPG Progreso R.L. 78.14% 79.34% 80.79% 81.63%

CLS La Sagrada Familia R.L. 90.38%

CMD Magisterio Rural de Chuquisaca R.L. 75.60%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 10: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO ÍNDICE DE ESTRUCTURA (OBLIGACIONES CON EL PÚBLICO / PASIVO + PATRIMONIO) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Entre el 60% y 85%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 78.16% 72.84% 73.63% 71.75% 73.26% 72.28% 71.34% 71.13% 72.71% 72.58%

CSM San Martín de Porres Ltda. 86.33% 82.47% 78.10% 78.52% 79.38% 78.61% 78.28% 77.45% 78.04% 78.29%

CFA Fátima Ltda. 82.45% 79.42% 78.49% 82.61% 80.35% 78.81% 78.65% 78.60% 78.52% 78.78%

CSP San Pedro Ltda. 78.80% 77.83% 75.23% 75.78% 76.80% 76.62% 77.01% 77.39% 75.67% 76.05%

CLY Loyola Ltda. 69.64% 67.38% 66.54% 68.55% 71.80% 72.45% 72.29% 73.08% 73.33% 74.84%

CSA San Antonio Ltda 71.87% 72.15% 70.80% 70.55% 72.29% 73.18% 74.48% 71.78% 70.52% 71.96%

CPX Pío X Ltda. 73.66% 73.99% 70.65% 67.40% 70.38% 71.13% 73.73% 73.45% 72.86% 72.20%

CIH Inca Huasi Ltda. 74.70% 74.21% 74.91% 73.83% 74.15% 74.23% 74.49% 74.33% 74.23% 74.38%

CQC Quillacollo Ltda. 77.59% 78.14% 77.76% 75.52% 75.30% 75.98% 75.84% 75.84% 74.97% 75.56%

CJP San José de Punata Ltda. 72.28% 70.90% 72.41% 72.86% 73.86% 73.87% 74.13% 73.58% 73.53% 73.76%

CMG Monseñor Félix Gainza Ltda. 64.05% 63.03% 62.24% 62.68% 64.20% 63.30% 62.60% 62.84% 62.36% 61.70%

CEC Educadores Gran Chaco Ltda. 76.44% 77.91% 76.23% 77.05% 76.58% 76.51% 75.91% 75.08% 74.76% 74.98%

CCR El Chorolque Ltda. 81.52% 78.96% 79.01% 78.76% 78.65% 78.25% 78.65% 78.27% 78.38% 77.95%

CCM Comarapa Ltda. 85.08% 85.17% 84.10% 85.76% 86.04% 84.96% 85.00% 85.70% 86.52% 82.71%

CST San Mateo Ltda. 82.60% 81.49% 81.65% 81.87% 81.27% 81.93% 82.00% 81.99% 82.28% 82.43%

CTR Trinidad Ltda. 79.14% 79.11% 81.01% 79.43% 80.43% 79.90% 80.18% 80.56% 80.35% 79.66%

CJO San Joaquín Ltda. 81.38% 80.43% 80.65% 82.95% 83.62% 84.21% 84.55% 84.30% 83.97% 84.28%

CMR Magisterio Rural Ltda. 83.37% 82.20% 81.61% 82.07% 82.29% 82.03% 80.71% 78.83% 78.12% 76.96%

CJB San José de Bermejo Ltda. 75.70% 75.94% 76.10% 77.20% 77.19% 76.12% 75.64% 76.29% 77.34% 76.56%

CCP Catedral Ltda. 85.19% 84.60% 86.56% 84.26% 84.65% 84.39% 85.04% 84.75% 85.44% 85.19%

CAS Asunción Ltda. 84.81% 82.73% 84.13% 85.07% 84.72% 84.22% 84.66% 84.37% 85.39% 84.33%

CCA Catedral de Tarija Ltda. 79.38% 79.45% 77.71% 79.46% 80.23% 80.36% 80.47% 79.73% 79.81% 79.28%

CSR San Roque Ltda. 79.54% 81.68% 82.85% 82.92% 79.73% 79.25% 80.38% 80.21% 80.83% 81.36%

CMM Madre y Maestra Ltda. 78.28% 78.82% 82.14% 82.64% 82.85% 82.74% 82.77% 82.25% 81.99% 81.63%

CME La Merced Ltda. 86.50% 87.03% 88.12% 87.72% 88.06% 89.85% 89.66% 89.58% 89.80% 88.90%

CCB San Carlos Borromeo Ltda. 84.89% 85.25% 84.76% 83.16% 83.21% 82.08% 83.50% 83.63% 83.50%

CCF CACEF R.L. 70.97% 75.45% 77.37% 75.47% 75.14%

CPG Progreso R.L. 82.88% 80.81% 80.80% 78.65%

CLS La Sagrada Familia R.L. 39.14%

CMD Magisterio Rural de Chuquisaca R.L. 82.27%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 11: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE ENDEUDAMIENTO (OBLIGACIONES CON EIFs / PATRIMONIO) DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Menor al 100%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 25.10% 84.89% 89.34% 115.61% 117.81% 97.53% 112.47% 105.99% 95.25% 89.18%

CSM San Martín de Porres Ltda. 24.14% 71.48% 125.67% 122.70% 109.13% 115.28% 114.77% 117.81% 116.30% 111.00%

CFA Fátima Ltda. 2.56% 49.76% 60.22% 23.85% 38.02% 53.39% 53.53% 55.28% 53.62% 52.22%

CSP San Pedro Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

CLY Loyola Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

CSA San Antonio Ltda 0.00% 0.00% 18.47% 24.78% 13.92% 6.92% 3.56% 17.18% 22.26% 15.40%

CPX Pío X Ltda. 0.00% 12.24% 34.42% 76.61% 59.77% 55.72% 37.43% 35.05% 42.29% 41.04%

CIH Inca Huasi Ltda. 0.00% 0.00% 0.00% 0.00% 5.92% 5.54% 5.16% 4.79% 4.44% 4.09%

CQC Quillacollo Ltda. 5.69% 0.00% 3.51% 9.64% 5.35% 2.76% 2.79% 2.85% 7.63% 9.08%

CJP San José de Punata Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

CMG Monseñor Félix Gainza Ltda. 0.43% 0.39% 0.00% 0.00% 0.00% 0.00% 5.28% 5.25% 10.41% 10.17%

CEC Educadores Gran Chaco Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.21% 6.03% 6.38%

CCR El Chorolque Ltda. 0.92% 0.44% 0.15% 0.48% 0.06% 0.06% 0.06% 0.06% 0.06% 0.06%

CCM Comarapa Ltda. 0.00% 0.00% 0.00% 0.17% 0.00% 0.00% 0.00% 0.00% 1.93% 38.80%

CST San Mateo Ltda. 3.25% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

CTR Trinidad Ltda. 0.06% 0.00% 0.00% 3.56% 3.64% 3.69% 0.00% 0.00% 0.00% 0.00%

CJO San Joaquín Ltda. 17.62% 16.34% 13.51% 14.19% 24.98% 19.50% 19.49% 14.81% 18.98% 18.85%

CMR Magisterio Rural Ltda. 0.33% 0.28% 0.26% 0.00% 0.00% 0.00% 18.79% 34.58% 32.90% 31.84%

CJB San José de Bermejo Ltda. 0.19% 0.24% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05% 0.05%

CCP Catedral Ltda. 9.54% 2.61% 0.15% 9.63% 4.79% 4.66% 0.14% 0.14% 0.14% 0.13%

CAS Asunción Ltda. 7.84% 6.87% 6.30% 5.58% 5.09% 4.77% 4.66% 4.40% 4.87% 4.44%

CCA Catedral de Tarija Ltda. 1.25% 1.17% 1.06% 1.06% 1.03% 1.02% 1.02% 1.00% 0.99% 0.97%

CSR San Roque Ltda. 8.20% 7.39% 6.60% 11.95% 56.46% 56.36% 49.57% 50.01% 45.05% 45.74%

CMM Madre y Maestra Ltda. 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

CME La Merced Ltda. 3.45% 18.80% 8.41% 21.12% 19.40% 2.42% 2.28% 2.23% 2.04% 2.01%

CCB San Carlos Borromeo Ltda. 0.00% 0.00% 0.00% 13.91% 12.53% 20.29% 19.46% 17.16% 15.44%

CCF CACEF R.L. 111.62% 72.48% 57.47% 78.62% 72.72%

CPG Progreso R.L. 1.08% 19.19% 17.68% 29.39%

CLS La Sagrada Familia R.L. 267.38%

CMD Magisterio Rural de Chuquisaca R.L. 0.00%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 12: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE MORA (CARTERA VENCIDA + CARTERA EJECUCIÓN / TOTAL CARTERA) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Menor al 5%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 2.46% 2.62% 2.36% 1.97% 1.94% 2.98% 2.23% 2.85% 2.14% 2.75%

CSM San Martín de Porres Ltda. 2.19% 2.06% 1.64% 2.01% 2.15% 2.75% 2.78% 3.22% 3.22% 3.53%

CFA Fátima Ltda. 3.79% 3.17% 2.81% 3.01% 3.35% 5.61% 4.63% 4.66% 4.38% 5.21%

CSP San Pedro Ltda. 1.90% 1.56% 2.34% 3.07% 2.34% 3.70% 4.73% 4.77% 3.12% 8.38%

CLY Loyola Ltda. 1.57% 2.28% 1.53% 2.81% 3.51% 4.88% 3.42% 3.77% 3.57% 4.94%

CSA San Antonio Ltda 2.61% 2.32% 1.63% 2.15% 2.23% 2.50% 2.89% 2.82% 2.19% 2.60%

CPX Pío X Ltda. 1.83% 1.79% 2.13% 1.75% 2.75% 3.94% 3.42% 3.37% 2.18% 2.65%

CIH Inca Huasi Ltda. 0.66% 0.65% 0.71% 1.05% 0.84% 1.29% 1.42% 1.50% 1.04% 1.25%

CQC Quillacollo Ltda. 1.15% 1.27% 1.41% 2.23% 3.07% 3.48% 3.71% 3.67% 3.76% 3.72%

CJP San José de Punata Ltda. 0.18% 0.33% 0.15% 0.36% 0.37% 0.76% 0.56% 0.73% 0.56% 0.82%

CMG Monseñor Félix Gainza Ltda. 0.57% 0.66% 0.84% 0.74% 0.44% 0.72% 0.64% 1.31% 1.05% 1.22%

CEC Educadores Gran Chaco Ltda. 0.68% 0.77% 0.74% 0.77% 1.15% 1.96% 1.87% 1.98% 2.36% 3.76%

CCR El Chorolque Ltda. 0.24% 0.89% 0.95% 0.87% 0.79% 1.66% 1.49% 1.71% 1.36% 1.92%

CCM Comarapa Ltda. 0.21% 0.33% 0.25% 0.63% 0.52% 1.02% 0.71% 1.64% 0.62% 1.55%

CST San Mateo Ltda. 0.35% 0.27% 0.19% 0.13% 0.12% 1.29% 0.85% 0.67% 0.07% 1.29%

CTR Trinidad Ltda. 1.79% 2.33% 3.11% 3.30% 2.12% 3.38% 2.53% 2.29% 2.67% 2.69%

CJO San Joaquín Ltda. 0.70% 0.88% 0.66% 1.26% 1.20% 1.18% 1.25% 1.25% 1.31% 1.90%

CMR Magisterio Rural Ltda. 1.25% 1.21% 1.43% 0.98% 1.23% 1.61% 1.79% 1.58% 1.01% 1.52%

CJB San José de Bermejo Ltda. 0.74% 1.01% 1.46% 1.76% 1.96% 2.63% 2.44% 1.95% 1.46% 2.39%

CCP Catedral Ltda. 0.20% 0.49% 0.57% 0.41% 0.54% 0.82% 1.13% 1.06% 0.97% 1.06%

CAS Asunción Ltda. 0.98% 0.48% 0.46% 0.63% 0.68% 0.97% 1.30% 1.62% 1.22% 1.49%

CCA Catedral de Tarija Ltda. 2.75% 3.53% 2.13% 2.21% 2.12% 2.52% 2.52% 2.46% 2.79% 3.35%

CSR San Roque Ltda. 1.50% 0.96% 0.86% 1.15% 0.81% 1.66% 0.96% 1.17% 1.02% 1.46%

CMM Madre y Maestra Ltda. 0.15% 0.56% 0.36% 0.72% 0.93% 1.08% 1.23% 1.12% 1.13% 1.23%

CME La Merced Ltda. 1.91% 2.01% 2.11% 2.51% 2.25% 4.81% 3.28% 3.46% 2.59% 3.78%

CCB San Carlos Borromeo Ltda. 2.25% 2.99% 3.14% 2.90% 3.07% 2.93% 3.65% 2.73% 3.89%

CCF CACEF R.L. 0.85% 0.76% 1.04% 0.74% 1.06%

CPG Progreso R.L. 1.18% 0.99% 0.88% 1.03%

CLS La Sagrada Familia R.L. 2.39%

CMD Magisterio Rural de Chuquisaca R.L. 0.20%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 13: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE (PREVISIONES / CARTERA BRUTA) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Según riesgo crediticio

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 7.17% 7.55% 5.31% 5.23% 5.28% 5.77% 5.47% 5.77% 5.47% 5.72%

CSM San Martín de Porres Ltda. 4.50% 4.04% 3.43% 3.75% 3.84% 4.11% 4.23% 4.42% 4.47% 4.59%

CFA Fátima Ltda. 5.09% 6.18% 5.48% 5.32% 5.32% 5.96% 5.86% 5.95% 5.90% 6.33%

CSP San Pedro Ltda. 6.83% 6.34% 7.21% 10.81% 10.78% 11.65% 12.14% 12.56% 12.31% 14.30%

CLY Loyola Ltda. 9.81% 11.30% 9.91% 9.30% 8.96% 8.68% 8.54% 8.26% 7.91% 8.16%

CSA San Antonio Ltda 9.72% 9.81% 8.57% 8.07% 7.44% 7.51% 7.59% 7.25% 6.87% 7.07%

CPX Pío X Ltda. 5.99% 6.24% 6.16% 5.85% 6.06% 6.48% 6.20% 6.33% 6.30% 6.42%

CIH Inca Huasi Ltda. 4.12% 4.18% 4.16% 3.99% 4.62% 4.71% 4.61% 4.57% 4.70% 4.83%

CQC Quillacollo Ltda. 4.44% 4.26% 5.41% 6.00% 6.85% 7.06% 7.21% 7.10% 7.23% 7.25%

CJP San José de Punata Ltda. 7.61% 8.18% 8.14% 7.26% 6.89% 6.99% 7.16% 7.02% 7.30% 7.19%

CMG Monseñor Félix Gainza Ltda. 4.95% 4.69% 4.81% 4.64% 4.62% 4.68% 4.94% 4.82% 4.73% 4.59%

CEC Educadores Gran Chaco Ltda. 2.92% 4.37% 4.48% 4.07% 4.62% 5.20% 5.15% 5.41% 5.87% 6.71%

CCR El Chorolque Ltda. 7.48% 7.03% 6.99% 7.13% 7.31% 7.71% 7.49% 7.49% 7.21% 7.46%

CCM Comarapa Ltda. 3.89% 4.41% 3.86% 4.59% 3.93% 4.33% 4.52% 4.77% 4.53% 4.77%

CST San Mateo Ltda. 4.14% 3.69% 5.41% 5.08% 4.97% 5.47% 5.23% 4.96% 4.58% 5.26%

CTR Trinidad Ltda. 6.03% 6.75% 6.71% 6.88% 5.84% 5.92% 5.88% 6.40% 6.36% 6.55%

CJO San Joaquín Ltda. 5.19% 5.33% 4.70% 4.63% 5.02% 5.05% 5.12% 4.89% 5.10% 5.59%

CMR Magisterio Rural Ltda. 5.84% 6.24% 7.27% 6.77% 7.01% 7.06% 7.33% 6.98% 6.32% 6.38%

CJB San José de Bermejo Ltda. 9.37% 8.92% 8.52% 8.45% 7.87% 7.94% 8.26% 8.25% 8.03% 8.08%

CCP Catedral Ltda. 3.71% 3.35% 5.09% 4.88% 4.93% 5.14% 5.46% 5.55% 5.40% 5.31%

CAS Asunción Ltda. 5.43% 5.83% 7.15% 6.84% 6.80% 6.98% 7.17% 7.16% 7.58% 7.74%

CCA Catedral de Tarija Ltda. 7.22% 8.81% 7.74% 8.32% 8.20% 8.39% 8.27% 8.25% 8.25% 8.66%

CSR San Roque Ltda. 5.43% 5.26% 4.48% 4.97% 4.69% 4.94% 4.71% 4.86% 4.68% 4.90%

CMM Madre y Maestra Ltda. 3.35% 4.06% 6.52% 7.22% 7.58% 7.77% 7.68% 7.57% 7.63% 7.73%

CME La Merced Ltda. 1.83% 3.51% 3.35% 3.51% 3.54% 4.27% 4.14% 4.11% 3.97% 4.31%

CCB San Carlos Borromeo Ltda. 5.67% 5.43% 5.39% 5.08% 5.23% 5.24% 6.02% 5.67% 6.28%

CCF CACEF R.L. 6.84% 6.89% 6.67% 6.38% 6.40%

CPG Progreso R.L. 8.36% 7.82% 7.57% 7.71%

CLS La Sagrada Familia R.L. 4.75%

CMD Magisterio Rural de Chuquisaca R.L. 5.76%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 14: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE LIQUIDEZ (DISPONIBILIDADES / TOTAL ACTIVO) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Mayor al 6%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 17.64% 16.52% 18.97% 20.46% 19.31% 16.70% 21.40% 17.82% 19.94% 17.96%

CSM San Martín de Porres Ltda. 9.32% 8.45% 8.29% 10.00% 8.37% 9.01% 8.67% 8.79% 9.56% 10.49%

CFA Fátima Ltda. 11.76% 9.70% 8.80% 6.88% 8.29% 9.25% 8.04% 7.74% 7.79% 9.41%

CSP San Pedro Ltda. 19.51% 9.43% 16.15% 15.28% 13.33% 14.91% 14.94% 16.49% 17.84% 18.76%

CLY Loyola Ltda. 12.50% 11.24% 6.93% 6.42% 13.53% 15.30% 13.78% 12.16% 8.59% 13.78%

CSA San Antonio Ltda 11.07% 8.55% 10.67% 9.95% 7.99% 7.03% 6.92% 6.58% 7.40% 7.58%

CPX Pío X Ltda. 8.45% 9.03% 9.66% 10.98% 8.77% 9.13% 8.97% 7.92% 7.48% 7.51%

CIH Inca Huasi Ltda. 12.51% 12.80% 11.31% 10.40% 10.97% 11.21% 10.43% 9.04% 10.23% 11.09%

CQC Quillacollo Ltda. 5.69% 3.12% 3.48% 4.64% 5.38% 4.81% 4.41% 4.65% 4.73% 5.13%

CJP San José de Punata Ltda. 5.37% 6.68% 5.03% 5.35% 6.53% 5.74% 6.46% 5.82% 5.43% 6.96%

CMG Monseñor Félix Gainza Ltda. 8.51% 7.21% 6.70% 5.18% 7.98% 8.53% 8.38% 7.75% 7.07% 6.96%

CEC Educadores Gran Chaco Ltda. 9.61% 9.21% 6.33% 5.43% 10.02% 9.95% 10.03% 9.41% 10.09% 9.86%

CCR El Chorolque Ltda. 6.56% 8.68% 7.19% 7.78% 9.09% 10.64% 11.76% 10.52% 10.13% 9.94%

CCM Comarapa Ltda. 18.06% 20.81% 16.90% 23.95% 14.85% 12.84% 15.17% 18.82% 21.17% 20.04%

CST San Mateo Ltda. 13.94% 13.17% 12.16% 14.39% 11.82% 15.12% 13.66% 11.88% 11.31% 15.59%

CTR Trinidad Ltda. 5.45% 6.24% 4.93% 6.55% 4.98% 5.63% 6.88% 5.02% 5.04% 5.10%

CJO San Joaquín Ltda. 5.31% 4.33% 3.29% 3.63% 5.16% 5.11% 5.54% 5.34% 5.09% 5.37%

CMR Magisterio Rural Ltda. 10.18% 6.86% 9.61% 7.97% 5.87% 5.99% 6.29% 5.80% 4.86% 3.78%

CJB San José de Bermejo Ltda. 6.71% 6.17% 4.82% 7.88% 8.66% 7.78% 9.45% 10.96% 10.09% 9.30%

CCP Catedral Ltda. 5.61% 6.33% 5.51% 4.51% 7.19% 7.49% 7.63% 7.75% 8.27% 8.47%

CAS Asunción Ltda. 12.19% 9.63% 11.97% 9.25% 8.20% 7.41% 9.28% 8.01% 7.62% 8.17%

CCA Catedral de Tarija Ltda. 16.04% 13.25% 11.00% 10.70% 10.68% 9.50% 7.74% 8.02% 7.41% 7.38%

CSR San Roque Ltda. 7.79% 5.31% 6.33% 5.64% 9.30% 8.51% 9.27% 7.66% 5.32% 7.91%

CMM Madre y Maestra Ltda. 6.20% 6.04% 6.46% 5.65% 9.30% 9.63% 8.75% 8.40% 8.21% 9.24%

CME La Merced Ltda. 15.04% 7.86% 6.80% 7.10% 6.77% 8.04% 7.08% 6.49% 6.07% 7.11%

CCB San Carlos Borromeo Ltda. 7.91% 4.74% 4.93% 5.27% 5.16% 6.01% 5.20% 5.13% 4.53%

CCF CACEF R.L. 12.70% 11.08% 9.80% 9.82% 9.80%

CPG Progreso R.L. 10.47% 10.44% 9.37% 8.94%

CLS La Sagrada Familia R.L. 4.77%

CMD Magisterio Rural de Chuquisaca R.L. 5.84%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 15: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE LIQUIDEZ (DISPONIBILIDADES + INV.TEMP./ DEPOSITOS DEL PUBLICO) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Mayor al 20%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 31.35% 34.65% 40.21% 46.17% 45.94% 42.11% 48.84% 44.17% 46.01% 43.08%

CSM San Martín de Porres Ltda. 21.37% 24.76% 25.16% 29.50% 27.81% 27.58% 27.75% 28.25% 28.97% 29.40%

CFA Fátima Ltda. 31.77% 35.45% 36.62% 32.79% 38.37% 41.82% 41.88% 40.94% 40.50% 43.30%

CSP San Pedro Ltda. 41.24% 30.15% 41.35% 44.30% 48.52% 51.00% 52.23% 54.51% 57.48% 58.67%

CLY Loyola Ltda. 33.35% 35.57% 33.31% 29.45% 38.42% 39.98% 38.47% 36.17% 32.49% 37.70%

CSA San Antonio Ltda 31.31% 30.52% 32.36% 31.13% 28.87% 26.99% 26.74% 25.59% 26.30% 26.91%

CPX Pío X Ltda. 20.80% 25.76% 25.61% 29.10% 28.67% 29.80% 28.00% 26.01% 24.80% 23.81%

CIH Inca Huasi Ltda. 26.09% 31.65% 32.34% 30.31% 32.68% 32.57% 31.73% 30.24% 30.56% 31.40%

CQC Quillacollo Ltda. 21.98% 24.38% 27.03% 25.08% 27.84% 30.64% 25.06% 23.12% 21.63% 25.90%

CJP San José de Punata Ltda. 28.66% 25.74% 25.36% 20.30% 22.21% 23.99% 27.75% 24.65% 22.19% 25.23%

CMG Monseñor Félix Gainza Ltda. 30.37% 28.65% 31.33% 32.08% 28.39% 24.85% 30.55% 30.90% 30.43% 28.29%

CEC Educadores Gran Chaco Ltda. 24.60% 24.18% 27.95% 16.33% 25.30% 28.26% 28.74% 26.67% 27.43% 26.05%

CCR El Chorolque Ltda. 17.80% 21.46% 17.18% 18.99% 20.42% 23.17% 23.40% 22.71% 22.65% 22.76%

CCM Comarapa Ltda. 33.70% 34.45% 30.29% 37.76% 25.76% 23.32% 27.21% 31.65% 33.25% 32.27%

CST San Mateo Ltda. 30.89% 29.43% 28.87% 29.72% 28.91% 33.09% 32.58% 29.75% 28.98% 32.45%

CTR Trinidad Ltda. 18.14% 15.56% 13.23% 16.91% 16.76% 13.92% 13.59% 11.47% 11.45% 10.65%

CJO San Joaquín Ltda. 26.70% 24.17% 26.06% 26.02% 29.57% 30.66% 32.45% 29.67% 27.97% 32.70%

CMR Magisterio Rural Ltda. 23.26% 20.21% 21.97% 22.51% 19.90% 19.89% 23.05% 21.52% 17.52% 14.67%

CJB San José de Bermejo Ltda. 39.55% 32.87% 29.38% 32.30% 26.67% 24.92% 27.30% 31.09% 30.89% 28.35%

CCP Catedral Ltda. 34.79% 27.09% 28.47% 24.60% 26.31% 28.53% 28.41% 26.15% 27.38% 25.18%

CAS Asunción Ltda. 27.67% 27.35% 31.99% 31.23% 30.63% 30.03% 34.63% 33.36% 31.77% 30.89%

CCA Catedral de Tarija Ltda. 33.97% 37.84% 38.65% 36.99% 38.43% 38.32% 36.43% 35.45% 34.87% 36.38%

CSR San Roque Ltda. 29.93% 28.88% 26.38% 24.70% 31.57% 30.82% 35.22% 34.88% 29.53% 32.52%

CMM Madre y Maestra Ltda. 29.52% 29.95% 29.04% 30.71% 30.72% 32.32% 32.54% 31.92% 29.00% 31.46%

CME La Merced Ltda. 17.39% 20.94% 20.77% 23.82% 26.18% 26.60% 25.43% 24.32% 23.18% 24.20%

CCB San Carlos Borromeo Ltda. 24.48% 23.20% 25.39% 16.59% 19.98% 20.12% 21.75% 19.47% 19.12%

CCF CACEF R.L. 34.24% 30.20% 29.85% 30.08% 30.26%

CPG Progreso R.L. 20.89% 20.36% 18.55% 17.90%

CLS La Sagrada Familia R.L. 19.03%

CMD Magisterio Rural de Chuquisaca R.L. 25.90%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 16: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE LIQUIDEZ (DISPONIBILIDADES + INV.TEMP./ TOTAL ACTIVO) DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Mayor al 15%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 24.51% 25.24% 29.61% 33.12% 33.65% 30.43% 34.84% 31.42% 33.45% 31.26%

CSM San Martín de Porres Ltda. 18.45% 20.42% 19.65% 23.16% 22.07% 21.68% 21.72% 21.88% 22.61% 23.02%

CFA Fátima Ltda. 26.19% 28.15% 28.74% 27.08% 30.83% 32.96% 32.94% 32.18% 31.80% 34.11%

CSP San Pedro Ltda. 32.50% 23.46% 31.11% 33.57% 37.26% 39.08% 40.22% 42.18% 43.50% 44.62%

CLY Loyola Ltda. 23.22% 23.96% 22.17% 20.19% 27.58% 28.96% 27.81% 26.44% 23.83% 28.21%

CSA San Antonio Ltda 22.50% 22.02% 22.91% 21.96% 20.87% 19.75% 19.92% 18.37% 18.55% 19.37%

CPX Pío X Ltda. 15.32% 19.06% 18.09% 19.62% 20.18% 21.19% 20.64% 19.10% 18.07% 17.19%

CIH Inca Huasi Ltda. 19.48% 23.49% 24.23% 22.38% 24.23% 24.18% 23.63% 22.48% 22.69% 23.36%

CQC Quillacollo Ltda. 17.06% 19.05% 21.02% 18.94% 20.96% 23.28% 19.01% 17.53% 16.22% 19.57%

CJP San José de Punata Ltda. 20.71% 18.25% 18.36% 14.79% 16.40% 17.72% 20.57% 18.14% 16.32% 18.61%

CMG Monseñor Félix Gainza Ltda. 19.45% 18.06% 19.50% 20.11% 18.23% 15.73% 19.13% 19.42% 18.97% 17.45%

CEC Educadores Gran Chaco Ltda. 18.80% 18.84% 21.31% 12.58% 19.37% 21.62% 21.81% 20.02% 20.51% 19.53%

CCR El Chorolque Ltda. 14.51% 16.95% 13.58% 14.96% 16.06% 18.13% 18.40% 17.77% 17.75% 17.74%

CCM Comarapa Ltda. 28.67% 29.34% 25.48% 32.38% 22.16% 19.81% 23.13% 27.12% 28.76% 26.69%

CST San Mateo Ltda. 25.51% 23.98% 23.58% 24.33% 23.50% 27.11% 26.72% 24.39% 23.84% 26.75%

CTR Trinidad Ltda. 14.36% 12.31% 10.72% 13.43% 13.48% 11.13% 10.89% 9.24% 9.20% 8.48%

CJO San Joaquín Ltda. 21.73% 19.44% 21.01% 21.58% 24.73% 25.82% 27.44% 25.01% 23.48% 27.56%

CMR Magisterio Rural Ltda. 19.39% 16.61% 17.93% 18.47% 16.38% 16.32% 18.60% 16.96% 13.68% 11.29%

CJB San José de Bermejo Ltda. 29.94% 24.96% 22.36% 24.94% 20.58% 18.97% 20.65% 23.72% 23.89% 21.70%

CCP Catedral Ltda. 29.64% 22.92% 24.65% 20.73% 22.27% 24.08% 24.16% 22.16% 23.40% 21.45%

CAS Asunción Ltda. 23.47% 22.63% 26.92% 26.57% 25.95% 25.29% 29.32% 28.15% 27.13% 26.05%

CCA Catedral de Tarija Ltda. 26.96% 30.07% 30.04% 29.39% 30.83% 30.79% 29.31% 28.27% 27.83% 28.84%

CSR San Roque Ltda. 23.81% 23.59% 21.86% 20.48% 25.17% 24.43% 28.31% 27.98% 23.87% 26.46%

CMM Madre y Maestra Ltda. 23.11% 23.60% 23.86% 25.38% 25.45% 26.74% 26.94% 26.25% 23.77% 25.68%

CME La Merced Ltda. 15.04% 18.22% 18.30% 20.90% 23.06% 23.90% 22.80% 21.79% 20.82% 21.51%

CCB San Carlos Borromeo Ltda. 20.78% 19.78% 21.52% 13.80% 16.62% 16.52% 18.16% 16.28% 15.97%

CCF CACEF R.L. 24.30% 22.79% 23.09% 22.70% 22.74%

CPG Progreso R.L. 17.31% 16.45% 14.99% 14.07%

CLS La Sagrada Familia R.L. 7.45%

CMD Magisterio Rural de Chuquisaca R.L. 21.31%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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CUADRO EVOLUTIVO DEL ÍNDICE DE LIQUIDEZ (DISPONIBILIDADES / CAJAS DE AHORRO + DEP. A LA VISTA) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Mayor al 20%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 56.39% 56.98% 60.24% 61.53% 60.91% 65.90% 86.28% 77.20% 75.32% 72.99%

CSM San Martín de Porres Ltda. 40.68% 42.24% 52.32% 52.73% 43.37% 50.83% 47.39% 49.55% 51.65% 58.74%

CFA Fátima Ltda. 39.29% 37.75% 36.69% 26.84% 32.63% 38.07% 33.23% 32.18% 33.62% 41.87%

CSP San Pedro Ltda. 34.85% 17.91% 30.77% 28.38% 27.77% 31.28% 31.33% 36.59% 41.56% 44.51%

CLY Loyola Ltda. 41.79% 36.44% 22.88% 23.19% 48.95% 56.31% 52.42% 47.71% 36.67% 58.72%

CSA San Antonio Ltda 26.31% 20.93% 26.95% 25.33% 21.35% 18.33% 17.96% 17.93% 20.81% 21.54%

CPX Pío X Ltda. 31.43% 38.55% 44.53% 58.56% 49.89% 52.97% 51.14% 45.86% 41.09% 44.19%

CIH Inca Huasi Ltda. 50.69% 50.58% 46.89% 42.22% 47.46% 48.05% 45.80% 40.20% 45.68% 49.70%

CQC Quillacollo Ltda. 16.18% 10.77% 11.80% 16.10% 19.82% 17.84% 17.09% 18.21% 18.79% 21.18%

CJP San José de Punata Ltda. 20.35% 24.52% 19.46% 18.49% 21.72% 18.98% 21.53% 19.38% 18.28% 23.04%

CMG Monseñor Félix Gainza Ltda. 34.84% 28.35% 24.89% 17.61% 28.44% 31.27% 32.03% 30.63% 27.94% 29.03%

CEC Educadores Gran Chaco Ltda. 26.23% 25.68% 18.24% 15.57% 32.80% 33.30% 34.36% 33.21% 36.16% 35.94%

CCR El Chorolque Ltda. 18.09% 24.48% 20.25% 23.96% 27.98% 34.51% 38.55% 34.58% 32.91% 32.55%

CCM Comarapa Ltda. 50.86% 62.06% 52.52% 68.96% 42.90% 41.25% 49.68% 62.48% 67.10% 71.39%

CST San Mateo Ltda. 36.84% 31.52% 28.42% 33.49% 28.73% 38.25% 35.59% 32.25% 30.49% 42.08%

CTR Trinidad Ltda. 13.59% 17.95% 13.75% 17.90% 13.88% 16.29% 20.16% 14.47% 15.02% 15.71%

CJO San Joaquín Ltda. 14.17% 12.63% 10.02% 11.75% 16.61% 16.94% 18.20% 17.98% 17.03% 19.07%

CMR Magisterio Rural Ltda. 24.09% 16.53% 24.12% 21.31% 16.44% 17.51% 18.65% 17.80% 14.99% 12.25%

CJB San José de Bermejo Ltda. 16.05% 15.37% 12.12% 19.13% 22.82% 20.98% 26.05% 30.14% 25.97% 24.98%

CCP Catedral Ltda. 8.59% 9.97% 8.43% 7.14% 12.17% 12.43% 12.80% 13.29% 15.42% 16.46%

CAS Asunción Ltda. 18.43% 14.90% 18.62% 14.94% 13.66% 12.69% 15.93% 13.83% 12.82% 14.19%

CCA Catedral de Tarija Ltda. 39.22% 32.84% 28.34% 26.04% 28.81% 26.35% 21.85% 23.35% 21.33% 22.73%

CSR San Roque Ltda. 30.11% 26.69% 36.97% 35.13% 68.26% 60.91% 71.04% 57.71% 37.16% 61.12%

CMM Madre y Maestra Ltda. 13.95% 14.70% 16.15% 14.58% 23.92% 25.18% 22.70% 22.69% 22.62% 25.59%

CME La Merced Ltda. 50.09% 31.18% 29.33% 34.82% 38.15% 44.64% 39.96% 38.09% 36.91% 45.67%

CCB San Carlos Borromeo Ltda. 23.64% 14.49% 18.69% 21.50% 21.22% 24.66% 22.30% 22.23% 19.84%

CCF CACEF R.L. 78.87% 61.46% 51.29% 55.55% 58.49%

CPG Progreso R.L. 30.81% 32.08% 28.88% 30.40%

CLS La Sagrada Familia R.L. 48.02%

CMD Magisterio Rural de Chuquisaca R.L. 14.58%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 18: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

CUADRO EVOLUTIVO DEL ÍNDICE DE CONCENTRACIÓN (CAJAS DE AHORROS/TOTAL DEPÓSITOS DEL PÚBLICO) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Según el mercado atendido

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 39.82% 39.61% 42.67% 46.25% 43.11% 34.92% 34.63% 32.23% 35.89% 33.64%

CSM San Martín de Porres Ltda. 26.32% 24.07% 20.16% 24.01% 24.15% 22.39% 23.19% 22.73% 23.46% 22.69%

CFA Fátima Ltda. 36.30% 32.36% 30.56% 31.02% 31.58% 30.78% 30.75% 30.58% 29.50% 28.49%

CSP San Pedro Ltda. 70.97% 67.58% 69.62% 71.03% 62.48% 62.18% 61.88% 58.20% 56.70% 55.38%

CLY Loyola Ltda. 42.95% 45.70% 45.49% 40.26% 38.44% 37.46% 36.30% 34.79% 31.83% 31.28%

CSA San Antonio Ltda 58.52% 56.62% 55.84% 55.67% 51.79% 52.35% 51.69% 51.07% 50.40% 48.88%

CPX Pío X Ltda. 36.52% 31.65% 30.70% 27.82% 24.97% 24.24% 23.79% 23.52% 24.97% 23.53%

CIH Inca Huasi Ltda. 33.03% 34.11% 32.21% 33.36% 31.18% 31.43% 30.57% 30.24% 30.18% 30.00%

CQC Quillacollo Ltda. 45.35% 37.09% 37.89% 38.21% 36.09% 35.49% 34.05% 33.66% 33.59% 32.06%

CJP San José de Punata Ltda. 36.52% 38.40% 35.71% 39.68% 40.70% 40.94% 40.49% 40.80% 40.36% 40.93%

CMG Monseñor Félix Gainza Ltda. 38.11% 40.37% 43.23% 46.90% 43.70% 43.11% 41.79% 40.24% 40.55% 38.83%

CEC Educadores Gran Chaco Ltda. 47.94% 46.01% 45.54% 45.25% 39.87% 39.06% 38.46% 37.74% 37.33% 36.61%

CCR El Chorolque Ltda. 44.35% 44.79% 44.80% 41.13% 41.19% 39.29% 38.68% 38.78% 39.19% 39.02%

CCM Comarapa Ltda. 41.73% 39.36% 38.25% 40.50% 40.22% 36.64% 35.93% 35.14% 36.47% 33.95%

CST San Mateo Ltda. 45.81% 51.29% 52.40% 52.49% 50.61% 48.21% 46.80% 44.91% 45.06% 44.94%

CTR Trinidad Ltda. 50.66% 43.95% 44.25% 46.10% 44.62% 43.25% 42.55% 43.10% 41.74% 40.73%

CJO San Joaquín Ltda. 45.97% 42.63% 40.70% 37.21% 37.09% 35.74% 35.93% 35.17% 35.57% 33.37%

CMR Magisterio Rural Ltda. 50.70% 50.46% 48.81% 45.58% 43.41% 41.70% 41.80% 41.35% 41.47% 40.04%

CJB San José de Bermejo Ltda. 55.24% 52.82% 52.27% 53.34% 49.17% 48.72% 47.95% 47.67% 50.21% 48.61%

CCP Catedral Ltda. 76.69% 75.04% 75.49% 74.92% 69.80% 71.43% 70.14% 68.81% 62.80% 60.40%

CAS Asunción Ltda. 78.00% 78.15% 76.39% 72.76% 70.80% 69.29% 68.80% 68.68% 69.54% 68.25%

CCA Catedral de Tarija Ltda. 51.53% 50.79% 49.94% 51.73% 46.20% 44.84% 44.03% 43.07% 43.51% 40.95%

CSR San Roque Ltda. 32.50% 24.33% 20.67% 19.35% 17.07% 17.62% 16.23% 16.52% 17.69% 15.89%

CMM Madre y Maestra Ltda. 56.71% 52.03% 48.69% 46.93% 46.94% 46.20% 46.58% 45.02% 44.25% 44.22%

CME La Merced Ltda. 34.64% 28.94% 26.26% 23.18% 20.11% 20.02% 19.72% 19.01% 18.30% 17.49%

CCB San Carlos Borromeo Ltda. 39.42% 38.38% 31.13% 29.48% 29.24% 29.70% 27.94% 27.58% 27.35%

CCF CACEF R.L. 22.69% 23.90% 24.69% 23.42% 22.30%

CPG Progreso R.L. 41.00% 40.29% 40.15% 37.40%

CLS La Sagrada Familia R.L. 24.98%

CMD Magisterio Rural de Chuquisaca R.L. 48.71%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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CUADRO EVOLUTIVO DEL ÍNDICE DE SOLVENCIA (PATRIMONIO / TOTAL ACTIVO) DE LAS COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Mayor al 10% (prudencial)

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 12.56% 11.35% 10.08% 9.73% 9.46% 10.10% 9.59% 9.92% 9.77% 10.22%

CSM San Martín de Porres Ltda. 9.15% 8.83% 8.68% 8.65% 8.87% 8.99% 9.15% 9.30% 9.13% 9.21%

CFA Fátima Ltda. 13.60% 11.69% 11.48% 11.85% 12.14% 11.83% 11.97% 11.75% 12.16% 12.00%

CSP San Pedro Ltda. 19.28% 19.85% 21.95% 22.12% 20.99% 21.18% 20.71% 20.52% 21.85% 21.27%

CLY Loyola Ltda. 23.58% 25.97% 26.37% 24.98% 22.32% 21.35% 21.50% 20.99% 20.95% 19.78%

CSA San Antonio Ltda 24.22% 23.74% 21.39% 20.79% 21.01% 21.54% 21.12% 20.80% 20.91% 20.71%

CPX Pío X Ltda. 20.44% 18.57% 17.78% 15.86% 16.03% 15.87% 16.53% 17.14% 16.16% 16.55%

CIH Inca Huasi Ltda. 21.43% 21.33% 20.71% 21.04% 20.86% 20.77% 20.73% 20.85% 20.85% 20.84%

CQC Quillacollo Ltda. 16.61% 16.67% 16.85% 17.61% 18.35% 18.32% 18.56% 17.93% 18.06% 17.58%

CJP San José de Punata Ltda. 22.51% 23.46% 21.39% 20.73% 19.79% 19.55% 20.06% 20.66% 20.04% 20.37%

CMG Monseñor Félix Gainza Ltda. 29.39% 30.11% 30.49% 30.22% 29.39% 30.00% 29.46% 29.05% 28.36% 29.24%

CEC Educadores Gran Chaco Ltda. 18.97% 18.31% 17.66% 17.68% 17.94% 17.58% 17.94% 17.87% 19.52% 19.12%

CCR El Chorolque Ltda. 14.11% 15.77% 16.52% 17.00% 17.13% 17.40% 17.17% 17.37% 15.86% 16.15%

CCM Comarapa Ltda. 11.89% 11.79% 12.70% 12.05% 11.94% 12.72% 12.70% 11.94% 11.27% 10.92%

CST San Mateo Ltda. 12.34% 13.63% 13.98% 13.83% 14.45% 13.71% 13.89% 13.60% 13.81% 13.28%

CTR Trinidad Ltda. 17.00% 17.13% 16.42% 17.20% 16.38% 16.59% 16.58% 16.02% 16.92% 17.38%

CJO San Joaquín Ltda. 12.96% 13.40% 12.81% 11.52% 10.37% 10.41% 10.06% 10.41% 10.37% 10.29%

CMR Magisterio Rural Ltda. 12.97% 13.73% 14.02% 13.70% 13.73% 13.82% 13.00% 12.88% 13.21% 13.98%

CJB San José de Bermejo Ltda. 20.07% 19.88% 19.38% 18.82% 18.79% 19.81% 19.97% 19.43% 18.42% 19.04%

CCP Catedral Ltda. 11.16% 11.96% 10.95% 11.78% 11.68% 12.01% 11.94% 12.11% 11.81% 11.84%

CAS Asunción Ltda. 8.80% 9.63% 9.37% 9.33% 9.57% 10.15% 10.00% 10.33% 9.25% 10.34%

CCA Catedral de Tarija Ltda. 15.49% 15.30% 16.07% 15.46% 14.99% 14.86% 14.71% 15.12% 15.22% 15.59%

CSR San Roque Ltda. 14.52% 13.38% 12.91% 12.18% 10.88% 11.10% 10.83% 10.82% 10.78% 10.43%

CMM Madre y Maestra Ltda. 13.77% 12.99% 11.13% 10.89% 11.15% 11.12% 11.37% 11.61% 11.54% 11.71%

CME La Merced Ltda. 10.70% 8.75% 8.67% 8.40% 8.26% 7.77% 7.83% 7.88% 8.17% 8.24%

CCB San Carlos Borromeo Ltda. 11.01% 11.18% 11.42% 11.71% 11.97% 11.96% 10.85% 10.98% 11.23%

CCF CACEF R.L. 12.07% 12.09% 12.08% 10.95% 11.79%

CPG Progreso R.L. 14.00% 13.48% 13.69% 13.94%

CLS La Sagrada Familia R.L. 15.39%

CMD Magisterio Rural de Chuquisaca R.L. 12.42%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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EVOLUTIVO DEL ÍNDICE (RESULTADO NETO DE LA GESTIÓN / TOTAL ACTIVO) DE LAS CACs

(Expresado en porcentaje) Referencia: Mayor al 0.5% anual

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 mar-17

CJN Jesús Nazareno Ltda. 0.47% 0.55% 0.13% 0.16% 0.19% 0.21% 0.01%

CSM San Martín de Porres Ltda. 0.68% 0.58% 0.52% 0.48% 0.30% 0.37% 0.10%

CFA Fátima Ltda. 0.97% -0.54% 0.79% 0.30% 1.23% 0.55% -0.08%

CSP San Pedro Ltda. 0.51% 0.74% 1.01% -1.00% -0.54% 0.92% -1.07%

CLY Loyola Ltda. 1.98% 1.88% 2.67% 1.73% 1.33% 0.84% 0.18%

CSA San Antonio Ltda 1.64% 1.44% 1.33% 0.95% 0.93% 1.18% 0.18%

CPX Pío X Ltda. 1.56% 1.61% 1.67% 1.03% 0.75% 0.90% 0.42%

CIH Inca Huasi Ltda. 1.70% 2.18% 1.52% 1.33% 1.10% 1.16% 0.27%

CQC Quillacollo Ltda. 1.37% 1.85% 1.03% 0.73% 1.24% 0.84% 0.12%

CJP San José de Punata Ltda. 1.74% 3.12% 2.53% 1.93% 1.36% 1.25% 0.76%

CMG Monseñor Félix Gainza Ltda. 4.09% 3.33% 2.11% 1.29% 0.59% 1.32% 1.10%

CEC Educadores Gran Chaco Ltda. 0.44% 0.11% 0.67% 0.26% 0.26% 0.05% -0.93%

CCR El Chorolque Ltda. 2.15% 2.62% 1.55% 1.55% 1.63% 0.49% 0.45%

CCM Comarapa Ltda. 2.13% 1.25% 1.33% 0.34% -0.36% 0.13% -0.27%

CST San Mateo Ltda. 1.08% 1.90% 0.37% 0.57% 0.46% 0.31% -0.33%

CTR Trinidad Ltda. 0.18% 0.53% -0.24% 0.94% 0.04% 0.02% 0.01%

CJO San Joaquín Ltda. 0.50% 1.07% 1.12% 0.36% -0.10% 0.33% 0.01%

CMR Magisterio Rural Ltda. 1.18% 1.94% 1.13% 1.40% 1.05% 1.26% 0.66%

CJB San José de Bermejo Ltda. 2.01% 1.14% 0.54% 0.10% 0.08% 0.38% 0.19%

CCP Catedral Ltda. 0.96% 1.68% 0.14% 0.58% 0.11% 0.51% 0.09%

CAS Asunción Ltda. 1.58% 1.25% 0.88% 1.06% 1.04% 0.51% 0.88%

CCA Catedral de Tarija Ltda. 2.26% 1.18% 1.60% 0.15% 0.37% 0.57% 0.34%

CSR San Roque Ltda. 1.09% 1.35% 1.00% 0.52% 0.62% 0.67% -0.02%

CMM Madre y Maestra Ltda. 1.99% 1.54% 0.07% 0.68% 0.65% 0.55% 0.48%

CME La Merced Ltda. 0.05% -0.64% 0.38% 0.10% 0.04% -0.38% 0.05%

CCB San Carlos Borromeo Ltda. 1.33% 0.57% 0.55% 0.42% 0.68% 0.21%

CCF CACEF R.L. 0.66% 0.73%

CPG Progreso R.L. 0.69% 0.13%

CLS La Sagrada Familia R.L. -0.19%

CMD Magisterio Rural de Chuquisaca R.L. 0.24%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 21: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

EVOLUTIVO DEL ÍNDICE (RESULTADO NETO DE LA GESTIÓN / PATRIMONIO) DE LAS CACs

(Expresado en porcentaje) Referencia: Mayor al 5 % anual

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 mar-17

CJN Jesús Nazareno Ltda. 3.75% 4.82% 1.27% 1.62% 1.99% 2.12% 0.11%

CSM San Martín de Porres Ltda. 7.38% 6.54% 6.02% 5.56% 3.37% 4.08% 1.07%

CFA Fátima Ltda. 7.15% -4.61% 6.88% 2.56% 10.16% 4.49% -0.65%

CSP San Pedro Ltda. 2.63% 3.74% 4.62% -4.51% -2.59% 4.21% -5.03%

CLY Loyola Ltda. 8.39% 7.23% 10.11% 6.91% 5.96% 4.01% 0.89%

CSA San Antonio Ltda 6.75% 6.08% 6.22% 4.58% 4.45% 5.62% 0.89%

CPX Pío X Ltda. 7.65% 8.67% 9.37% 6.50% 4.66% 5.58% 2.53%

CIH Inca Huasi Ltda. 7.93% 10.24% 7.34% 6.30% 5.30% 5.55% 1.30%

CQC Quillacollo Ltda. 8.22% 11.07% 6.11% 4.13% 6.75% 4.66% 0.68%

CJP San José de Punata Ltda. 7.72% 13.28% 11.81% 9.31% 6.85% 6.26% 3.71%

CMG Monseñor Félix Gainza Ltda. 13.90% 11.06% 6.93% 4.27% 2.00% 4.67% 3.78%

CEC Educadores Gran Chaco Ltda. 2.32% 0.61% 3.79% 1.49% 1.48% 0.23% -4.84%

CCR El Chorolque Ltda. 15.23% 16.59% 9.38% 9.14% 9.51% 3.11% 2.76%

CCM Comarapa Ltda. 17.93% 10.58% 10.48% 2.80% -3.01% 1.15% -2.47%

CST San Mateo Ltda. 8.72% 13.95% 2.65% 4.15% 3.19% 2.27% -2.47%

CTR Trinidad Ltda. 1.08% 3.08% -1.46% 5.46% 0.23% 0.12% 0.08%

CJO San Joaquín Ltda. 3.89% 7.97% 8.77% 3.16% -0.94% 3.22% 0.12%

CMR Magisterio Rural Ltda. 9.10% 14.12% 8.06% 10.25% 7.63% 9.56% 4.73%

CJB San José de Bermejo Ltda. 10.02% 5.76% 2.81% 0.52% 0.41% 2.08% 1.02%

CCP Catedral Ltda. 8.57% 14.00% 1.25% 4.92% 0.97% 4.30% 0.79%

CAS Asunción Ltda. 18.00% 12.99% 9.44% 11.33% 10.90% 5.51% 8.48%

CCA Catedral de Tarija Ltda. 14.61% 7.72% 9.94% 1.00% 2.48% 3.74% 2.18%

CSR San Roque Ltda. 7.47% 10.10% 7.77% 4.26% 5.68% 6.20% -0.22%

CMM Madre y Maestra Ltda. 14.48% 11.87% 0.64% 6.21% 5.85% 4.73% 4.08%

CME La Merced Ltda. 0.48% -7.28% 4.32% 1.19% 0.52% -4.68% 0.58%

CCB San Carlos Borromeo Ltda. 12.13% 5.10% 4.79% 3.60% 6.23% 1.85%

CCF CACEF R.L. 5.99% 6.22%

CPG Progreso R.L. 5.05% 0.95%

CLS La Sagrada Familia R.L. -1.20%

CMD Magisterio Rural de Chuquisaca R.L. 1.97%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

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EVOLUTIVO DEL ÍNDICE DE EFICIENCIA ADMINISTRATIVA (GASTOS DE ADMINISTRACIÓN / TOTAL ACTIVO) DE LAS CACs

(Expresado en porcentaje) Referencia: Menor al 7% anual

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 dic-16 mar-17

CJN Jesús Nazareno Ltda. 7.16% 6.45% 6.91% 6.97% 6.42% 6.21% 1.64%

CSM San Martín de Porres Ltda. 6.93% 6.89% 7.02% 7.08% 7.15% 6.98% 1.76%

CFA Fátima Ltda. 5.65% 5.73% 5.72% 5.94% 5.05% 4.97% 1.34%

CSP San Pedro Ltda. 5.79% 5.59% 7.24% 7.06% 6.90% 6.55% 1.74%

CLY Loyola Ltda. 4.32% 4.64% 5.23% 5.54% 5.18% 5.28% 1.10%

CSA San Antonio Ltda 6.15% 6.75% 7.31% 7.02% 6.78% 6.34% 1.60%

CPX Pío X Ltda. 6.70% 6.84% 6.85% 6.85% 7.09% 6.94% 1.66%

CIH Inca Huasi Ltda. 5.64% 5.77% 6.14% 6.39% 6.09% 6.00% 1.50%

CQC Quillacollo Ltda. 6.66% 6.88% 6.88% 7.77% 8.05% 7.86% 1.93%

CJP San José de Punata Ltda. 5.78% 5.85% 5.95% 6.77% 7.15% 7.41% 1.56%

CMG Monseñor Félix Gainza Ltda. 7.63% 8.30% 9.45% 10.11% 9.88% 10.06% 2.14%

CEC Educadores Gran Chaco Ltda. 9.36% 9.52% 9.90% 10.53% 11.25% 11.65% 3.20%

CCR El Chorolque Ltda. 5.00% 5.56% 6.00% 6.00% 5.77% 5.74% 1.39%

CCM Comarapa Ltda. 6.36% 6.61% 7.10% 7.00% 7.61% 6.77% 1.65%

CST San Mateo Ltda. 7.79% 8.50% 8.73% 8.89% 9.03% 8.71% 2.05%

CTR Trinidad Ltda. 14.92% 15.85% 16.60% 14.04% 14.04% 13.96% 3.61%

CJO San Joaquín Ltda. 6.03% 6.39% 6.26% 6.57% 6.40% 6.73% 1.75%

CMR Magisterio Rural Ltda. 6.06% 6.43% 7.46% 7.00% 7.06% 6.76% 1.84%

CJB San José de Bermejo Ltda. 6.27% 7.12% 7.61% 8.42% 8.84% 8.51% 2.03%

CCP Catedral Ltda. 4.50% 5.10% 4.76% 5.56% 5.73% 5.28% 1.39%

CAS Asunción Ltda. 4.53% 5.66% 5.49% 5.82% 5.99% 6.09% 1.02%

CCA Catedral de Tarija Ltda. 7.00% 6.96% 7.81% 8.12% 8.37% 8.01% 1.94%

CSR San Roque Ltda. 6.43% 6.33% 6.24% 6.44% 5.92% 6.06% 1.64%

CMM Madre y Maestra Ltda. 6.99% 6.78% 6.97% 6.89% 7.38% 7.24% 1.83%

CME La Merced Ltda. 8.42% 7.65% 7.68% 8.18% 7.82% 7.63% 1.89%

CCB San Carlos Borromeo Ltda. 5.08% 5.71% 6.33% 6.12% 5.50% 1.24%

CCF CACEF R.L. 5.55% 1.13%

CPG Progreso R.L. 8.17% 2.16%

CLS La Sagrada Familia R.L. 4.67%

CMD Magisterio Rural de Chuquisaca R.L. 1.75%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI

Page 23: CPX Pío X Ltda. - asesoriacooperativa.com · CEC Educadores Gran Chaco Ltda. - ... SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16

EVOLUTIVO DEL ÍNDICE DE EFICIENCIA (GASTOS DE ADMINISTRACIÓN / RESULTADO FINANCIERO BRUTO) DE COOPERATIVAS DE AHORRO Y CRÉDITO

(Expresado en porcentaje) Referencia: Menor al 80%

SIGLA Cooperativa de Ahorro y Crédito Abierta dic-11 dic-12 dic-13 dic-14 dic-15 mar-16 jun-16 sep-16 dic-16 mar-17

CJN Jesús Nazareno Ltda. 93.50% 82.80% 95.45% 98.42% 93.33% 96.90% 94.16% 90.71% 89.87% 92.83%

CSM San Martín de Porres Ltda. 90.66% 91.75% 94.37% 90.17% 94.41% 89.92% 91.36% 90.63% 88.84% 90.54%

CFA Fátima Ltda. 84.09% 91.91% 99.73% 91.66% 84.81% 86.26% 88.50% 87.51% 82.01% 87.39%

CSP San Pedro Ltda. 86.12% 73.03% 96.01% 102.54% 105.46% 92.50% 104.89% 103.97% 110.31% 122.73%

CLY Loyola Ltda. 74.71% 64.02% 73.11% 74.11% 79.06% 80.24% 86.86% 85.80% 88.50% 77.53%

CSA San Antonio Ltda 68.79% 74.96% 90.68% 92.45% 92.68% 83.64% 93.63% 90.18% 83.30% 82.00%

CPX Pío X Ltda. 75.97% 80.54% 79.78% 83.66% 87.86% 82.31% 86.15% 84.75% 86.24% 78.82%

CIH Inca Huasi Ltda. 69.53% 70.19% 78.96% 81.25% 80.79% 81.89% 81.15% 80.16% 80.45% 79.94%

CQC Quillacollo Ltda. 74.87% 77.76% 76.29% 81.43% 84.11% 86.25% 87.18% 87.41% 84.74% 87.49%

CJP San José de Punata Ltda. 58.78% 59.78% 64.16% 74.96% 80.74% 64.90% 74.61% 74.83% 81.18% 69.86%

CMG Monseñor Félix Gainza Ltda. 64.75% 71.05% 81.89% 89.68% 92.38% 77.99% 78.68% 77.47% 85.42% 65.95%

CEC Educadores Gran Chaco Ltda. 105.40% 105.98% 100.21% 100.94% 94.36% 100.29% 108.62% 105.85% 102.48% 119.07%

CCR El Chorolque Ltda. 55.67% 62.70% 71.79% 72.37% 67.06% 60.19% 65.43% 65.23% 65.93% 61.50%

CCM Comarapa Ltda. 70.35% 75.71% 83.44% 92.63% 105.48% 86.88% 89.59% 92.22% 94.15% 103.12%

CST San Mateo Ltda. 75.96% 84.14% 85.64% 95.14% 96.24% 102.43% 106.07% 103.17% 100.84% 95.46%

CTR Trinidad Ltda. 97.71% 95.10% 104.98% 97.34% 107.05% 105.85% 108.76% 106.36% 101.23% 100.33%

CJO San Joaquín Ltda. 77.45% 79.25% 86.63% 93.49% 96.38% 89.66% 95.62% 95.78% 93.02% 94.63%

CMR Magisterio Rural Ltda. 69.15% 66.86% 74.04% 76.92% 76.66% 73.44% 79.11% 77.30% 73.10% 69.08%

CJB San José de Bermejo Ltda. 69.01% 85.37% 92.67% 98.27% 99.37% 78.45% 88.95% 89.39% 93.71% 87.60%

CCP Catedral Ltda. 66.89% 68.71% 75.24% 88.60% 90.42% 78.57% 81.27% 81.22% 81.85% 80.91%

CAS Asunción Ltda. 67.88% 66.57% 73.94% 79.94% 81.04% 53.46% 61.10% 62.65% 79.58% 49.47%

CCA Catedral de Tarija Ltda. 66.76% 72.49% 83.39% 89.15% 95.06% 89.21% 91.90% 90.28% 87.08% 80.60%

CSR San Roque Ltda. 74.59% 78.44% 85.33% 83.18% 86.10% 81.74% 84.17% 83.76% 84.80% 91.72%

CMM Madre y Maestra Ltda. 71.87% 70.37% 79.63% 75.56% 82.06% 80.26% 83.61% 83.69% 81.06% 81.42%

CME La Merced Ltda. 117.82% 106.58% 106.45% 105.84% 105.01% 115.31% 112.32% 109.83% 104.88% 100.96%

CCB San Carlos Borromeo Ltda. 72.84% 88.73% 89.58% 86.84% 71.28% 79.58% 76.96% 76.07% 62.36%

CCF CACEF R.L. 59.94% 68.10% 67.66% 75.25% 61.47%

CPG Progreso R.L. 91.56% 92.69% 91.67% 92.41%

CLS La Sagrada Familia R.L. 92.58%

CMD Magisterio Rural de Chuquisaca R.L. 81.77%

Fuente: Elaboración propia Consultora "Aporte Asesoría" SRL en base a datos Estadísticos de ASFI