Reestructuración y Bancarización de las Cajas de Ahorros

7/23/2019 Reestructuracin y Bancarizacin de las Cajas de Ahorros

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PBBUTPRETRPMEIAG Y @MGEMPI[MEIG

DB FMU EMKMU DB MHAPPAU

Lmdpid& =3 krfia db 0>=0


2/39


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^paebua db pbbutpretrpmeig

Butb ~paebua db pbbutpretrpmeig db fmu Emkmu db Mhappau& ub hm lmtbpimfi{mda m

tpmsu db eigea Pbmfbu Dbepbta,fbybu;

Pbmf Dbepbta,fby 9!0>>9' Pbmf Dbepbta,fby ==!0>=>' Pbmf Dbepbta,fby 0!0>=='

Pbmf Dbepbta,fby 0!0>=0'

Pbmf Dbepbta,fby =8!0>=0'

5


4/39

Bsafreig dbf glbpa db bgtidmdbu

M cigmfbu dbf ~pilbp ublbutpb db 0>>9 hm`m;

42 Emkmu db Mhappau' Y fm EBEM'

M cbehm db hay }rbdmg a~bpmtismu ;


4


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Tpmgucaplmeig db bgtidmdbu

M cigmfbu dbf ~pilbp ublbutpb db 0>>9 hm`m;


M cbehm db hay db fmu 42 Emkmu }rb hm`m a~bpmtismu bg 0>>9& bxiutbg;

0 Emkmu db Mhappau'

=> @mgeau ~paebdbgtbu db fm tpmgucaplmeigdb fmu atpmu 45 Emkmu' Y fm EBEM'

2


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Grbsa lm~m db bgtidmdbuM cbehm db 03 db krgia db 0>=0 bf lm~m& mg uig ebppmp dbcigitismlbgtb mfjrgmu

db butmu a~bpmeiagbu& bu bf uijribgtb;Emixm`mgo (/ @mgem Eisiem) I`bpemkm @mgea / @mgea Emkm 5 / Fi`bp`mgo @mgoim' (gmeiagmfi{mdm bf 9'>2'0>=0) @mgea EML (mdkrdiemda mf @mgea Um`mdbff) Ortxm`mgo @LG Rggil @mge (mdkrdiemda mf @@SM) Rgiemkm @mgea / @mgea db EBIUU Emtmfrgym @mge' (gmeiagmfi{mda bf 5>'>9'0>==)

GEJ @mgea' (gmeiagmfi{mda bf 5>'>9'0>==) Emixm Agtigybgt Eafagym Emixm ^affbgm EBEM' (bf 02'>:'0>=0 ~mump m dbgaligmpub EBEM@MGO)

3


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Caplmfi{meig db fm pbbutpretrpmeig

Butm pbbutpretrpmeig ub hm caplmfi{mda m tpmsu db;

2 cruiagbu bgtpb Emkmu' 0 cruiagbu ~ap m`uapeig bgtpb Emkmu' 0 cruiagbu bgtpb @mgeau db fmu Emkmu' = cruig ~ap m`uapeig bgtpb @mgeau db fmu

Emkmu' : UI^ bgtpb Emkmu' 0 mdkrdiemeiagbu bgtpb Emkmu' 0 mdkrdiemeiagbu db @mgeau db fmu Emkmu m

@mgeau'

:


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8

Cbehm Bgtidmdbu cruiagmdmu Bgtidmd pburftmgtb

EMIXM LMGFFBR

EMIXM UM@MDBFF

EMIXM TBPPMUUM

EMIXM EMTMFRGRYM

EMIXM TMPPMJAGM

EMIXM LMGPBUM

RGIEMKM

EMKM KMBG

EMKM BU^MM EMKM BU^MM DB IGSBPUIAGBU&

EMKM DRBPA UMFMLMGEM Y UAPIM (EBIUU)

EMIXM JMFIEIM

EMIXMGASM

>2!>3!0>=>

=8!=>!0>=> GASMEMIXMJMFIEIM

CRUIAGBU BGTPB EMKMU

0=!>:!0>>9 RGGIL

>4!=0!0>>9 EMTMFRGYM EMIXM

==!>2!0>=> RGIEMKM


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9

Cbehm Bgtidmdbu cruiagmdmu Bgtidmd pburftmgtbEMKMUAF

EMKM JRMDMFMKMPM

FM EMIXM

EMIXM JIPAGM=3!>9!0>=> FM EMIXM

CRUIAGBU ^AP M@UAPEIG BGTPB EMKMU

03!>=!0>=> EMKMUAF


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=>


RGIEMKM @MGEA@MGEA EMKM BU^MM DBIGSBPUIAGBU& UMFMLMGEM Y UAPIM

(@mgea EBIUU)

I@BPEMKM @MGEA

@MGEA JPR^A EMKM 5

FI@BP@MGO

^bgdibgtb db dbgaligmeig

CRUIAGBU BGTPB @MGEAU DB FMU EMKMU

5=!>5!0>=0 RGIEMKM @MGEA

0:!>3!0>=0


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==


EMIXM@MGO@MGEM EISIEM

CRUIG ^AP M@UAPEIG BGTPB @MGEAU DB FMU EMKMU

03!>3!0>=0 EMIXM@MGO


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=0

Cbehm Bgtidmdbu igtbjpmdmu bg bf UI^ Bgtidmd bkbpeieia igdipbetaEMKM GMSMPPM

EMKM JBGBPMF EMGMPIMU

EMKM LRGIEI^MF @RPJAU

EMKM LRPEIM

EMIXM ^BGBDBU

EMKM JPMGMDM

UM GAUTPM

EMKM IGLMERFMDM0:!>:!0>=> EMKM EIPERFA @RPJAU JPR^A EMKM 5

EMKM @MDMKA[

EMKM LMDPID

@MGEMKM

EMKM IGURFMP EMGMPIMU

EMIXM FMIBTMGM

EMKM UBJASIM

EMKM PIAKMEMKM MSIFM

EMKMUAF (/EMKM JRMDMFMKMPM)

@MGEM EISIEM

EMKM MUTRP (/EEL)

EMKM EMGTM@PIM BCCI@MGO

EMKM BXTPBLMDRPM Gal`pb ealbpeimf FI@BP@MGO

@@O (/ @@O @MGO EMKMURP)

ORTXMEMKM SITMF

>9!>5!0>=> @MGEM EISIEM

UI^u

>0!>3!0>=> @LG

=>!=0!0>=>

5>!>:!0>=> @' CIGMGEIBPA Y DB MHAPPAU

@MGEM EISIEM

=8!=>!0>=>

05!>9!0>== ORTXM@MGO


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=5

Cbehm Bgtidmdbu Bgtidmd pburftmgtbEMKMUTRP (md}ripibgtb) @MGEA EMUTIFFM FM LMGEHM

EEL (md}ripidm) (Mgtbpiap @mgea Fi`bptm)

@@O (md}ripibgtb)

EMKMURP (md}ripidm)=3!>:!0>=> @@O @MGO EMKMURP& UMR

MDKRDIEMEIAGBU BGTPB EMKMU

>5!==!0>>9


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=4

Cbehm Bgtidmdbu Bgtidmd pburftmgtb@@SM (md}ripibgtb)

RGGIL @MGO (md}ripidm)

@MGEA UM@MDBFF (md}ripibgtb)

@MGEA EML& UMR (md}ripidm)

MDKRDIEMEIAGBU DB @MGEAU DB FMU EMKMU M @MGEAU

>:!>5!0>=0

>5!>2!0>=0 @MGEA UM@MDBFF

@@SM


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UI^

=3

Uig myrdmu dbf CPA@;

EMKM 5 (EMI/ EE @rpjau / @mdmka{)'

ORTXM@MGO (@@O / Ortxm / Sitmf)'

Eag myrdmu dbf CPA@;

@MGOIM (Lmdpid / @mgemkm / Fmybtmgm / Msifm / Ubjasim / Piakm / Igurfmp)' @MGEA LMPB GAUTPRL (Lrpeim / ^bgbdbu / Emgmpimu / Um Gautpm)' @MGEM EISIEM (@rpjau / Gmsmppm / Emgmpimu / Emkmuaf (Jrmdmfmkmpm))' FI@BP@MGO (Emkmutrp (EEL) / Emgtm`pim / Bxtpblmdrpm)'

id d i id


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Bgtidmdbu igtbpsbgidmu ygmeiagmfi{mdmu bg butb ~bpada

=:

08 Lmp{a 0>>9' EMKM EMUTIFFM FM LMGEHM (EEL)' Igtbpsbgidm ~ap bf @mgea db Bu~mm'Crb md}ripidm ~ap Emkmutrp bf 5,==,0>>9 y mhapm a~bpm eala @mgea EEL'

00 Lmya 0>=>' EMKM URP' Igtbpsbgidm ~ap bf @mgea db Bu~mm' Crb mdkrdiemdm m fm @@O bf

=3,:,0>=> y ub eagsipti bg @@O @MGO EMKM URP bf 0>,9,0>=>'

00 Krfia 0>==' EML' Crb gmeiagmfi{mdm y tpmu fm ur`mutm ~bptbgbeb mf @mgea Um`mdbff'

5> Ub~tibl`pb 0>==' EMTMFRGYM EMIXM' Crb gmeiagmfi{mdm m tpmsu dbf CPA@' RGGIL' Crb gmeiagmfi{mdm m tpmsu dbf CPA@ y tpmu fm ur`mutm ~bptbgbeb mf

@@SM' GASMEMIXMJMFIEIM' Crb gmeiagmfi{mdm m tpmsu dbf CPA@'

9 Lmya 0>=0& @MGEA CIGMGEIBPA Y DB MHAPPAU (Lmtpi{ db @MGOIM)' Crb

gmeiagmfi{mda m tpmsu dbf CPA@'


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=8


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Igtbpsbgeiagbu beagliemu dbf CPA@

=9

Bf CPA@ crb epbmda ~ap bf Ja`ibpga dbf ^UAB lbdimgtb bf PD,fby 9!0>>9& ua`pb

pbbutpretrpmeig `mgempim y pbcap{mlibgta db fau pberpuau ~pa~iau db fmu bgtidmdbu

db epdita'

Il~aptb

Liffagbu db

=3!>:!0>=> @@O @MGO Emkm Urp 590 ^patbeeig db Metisau

08!>:!0>=> RGGIL 58> ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu08!>:!0>=> EMTMFRGYM EMIXM ='02> ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu

09!==!0>=> EMKM BU^MM,DRBPA 202 ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu

00!=0!0>=> @MGEM EISIEM 9:: ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu

08!=0!0>=> @CM 4'432 ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu

5>!=0!0>=> GASMEMIXMJMFIEIM ='=30 ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu

5=!=0!0>=> @LG 9=2 ^mptiei~meiagbu eagsbpti`fbu ~pbcbpbgtbu

00!>:!0>== @MGEA EML 0'8>> Em~itmfi{meig

00!>:!0>== @MGEA EML 5'>>> Fgbm db epdita ~mpm fi}ridb{

5>!>9!0>== EMTMFRGYM @MGE =':=8 Igybeeig db em~itmf

5>!>9!0>== GEJ @MGEA 0'432 Igybeeig db em~itmf

5>!>9!0>== RGGIL @MGE 238 Igybeeig db em~itmf

0>'3=:

IGTBPSBGEIAGBU DBF CPA@

Cbehm Bgtidmdbu Caplm db igtbpsbgeig

Tatmf

E ti d f f d MTL t f


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Eal~mpmtism dbf safrlbg db MTL bgtpb fau@mgeau y fmu Emkmu db Mhappau y fau @mgeau db

fmu Emkmu& bgtpb 0>>8 y 0>=0 (lmp{a)

0>

>

2>>'>>>

='>>>'>>>

='2>>'>>>

0'>>>'>>>

0'2>>'>>>

0>>8 0>>9 0>=> 0>== 0>=0 (lmp{a)

='83:'5>5

0'>93'0900'0=:'>30

0'0:3'=5>0'52>'>:5

='03>'508='504'8>5 ='550'>=3 ='089'423

='032'=35

@mgeau Emkmu y @mgeau db fmu Emkmu


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00


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Bsafreig dbf bl~fba

Bsafreig dbf glbpa db tpm`mkmdapbu bg fmu Emkmu db Mhappau y

fau @mgeau db fmu Emkmu db 0>>8 m 0>=0 (hmutm 5= lmp{a 0>=0);

05

=>>'>>>

=>2'>>>

==>'>>>

==2'>>>

=0>'>>>

=02'>>>

=5>'>>>

=52'>>>

0>>8 0>>9 0>=> 0>== 0>=0

=54'83:=50'54>

=08'=32

==4'>=4==5'>34


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Bsafreig dbf bl~fba bg "

^apebgtmkb db bsafreig dbf glbpa db tpm`mkmdapbu bg fmu Emkmu

db Mhappau y fau @mgeau db fmu Emkmu db 0>>8 m 0>=0 (hmutm 5=lmp{a 0>=0);

04

0>>8 0>>9 0>=> 0>== 0>=0

=54'83: =50'54> =08'=32 ==4'>=4 ==5'>34

Pbdreeig bl~fba mgrmf 0'20: 4'=:2 =4'=2= 92>

" db pbdreeig =&8: 5&=2 ==&>4 >&85

BSAFREIG ^FMGTIFFM DBUDB 0>>8 HMUTM 5= DB LMP[A DB 0>=0

0>>8 0>=0

=54'83: ==5'>34Pbdreeig db bl~fba bg bf ~bpida 0='8>5

" db pbdreeig bg bf ~bpida =3&=:

PBDREEIG DB ^FMGTIFFM DBUDB 0>>8 HMUTM BF 5= DB LMP[A DB 0>=0


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02


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Bsafreig dbf g db acieigmu bg "

^apebgtmkb db bsafreig dbf glbpa db acieigmu bg fmu Emkmu db

Mhappau y fau @mgeau db fmu Emkmu db 0>>8 m 0>=0 (hmutm 5= lmp{a0>=0);

0:

0>>8 0>>9 0>=> 0>== 0>=0

02'>52 04'020 05'5>2 0>':23 0>'228

Pbdreeig acieigmu mgrmf :85 94: 0'249 =98

" db pbdreeig 5&=5 5&9> =>&94 >&92

BSAFREIG ACIEIGMU DBUDB 0>>8 HMUTM 5= DB LMP[A DB 0>=0

0>>8 0>=0

02'>52 0>'228Pbdreeig db acieigmu bg bf ~bpada 4'4::

" db pbdreeig bg bf ~bpida =:&88

PBDREEIG DB ACIEIGMU DBUDB 0>>8 HMUTM BF 5= DB LMP[A DB 0>=0


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Bxefruig cigmgeibpm

Rgm db fmu ~pbaer~meiagbu }rb dbudb RJT hblau sbgida tpmufmdmgda bg bf

db`mtb db butm `mgempi{meig db fmu Emkmu& hm uida fm pbfmtism m fm bxefruigcigmgeibpm& }rb ~rbdb igepblbgtmp fm butpretrpmf ym bxiutbgtb mf ladiciempubur butmtru krpdiea y eagsbptipub bg uaeibdmdbu mggilmu? bg fmu }rb bfpbtapga mf meeiagiutm bu rga db fau a`kbtisau ~pigei~mfbu y&eaguberbgtblbgtb& ~rbdb dmpub bf eibppb db acieigmu ~aea pbgtm`fbu bg bf

lìta jbajpciea bg bf }rb butg butm`fbeidmu& mcbetmgda eag bffa m lrehaueirdmdmgau'

08

Lrgiei~iau Hmìtmgtbu

Lrgiei~iau bg fau }rb ga hmy acieigmu db fmu Emkmu db Mhappau 5'954 ='=92'289

0'323 4':89'054

Tatmf db hmìtmgtbu }rb ~rdibpmg sbpub iglbpuau bg bxefruig cigmgeibpm 2'984'805

" db ~a`fmeig bu~mafm bg pibuja db bxefruig cimgmgeibpm =0&38

Lrgiei~iau db lbgau db 2'>>> hmìtmgtbu bg fau }rb ufa hmy ~pbubgeim db fmu Emkmu db Mhappau


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09


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pjmgau db ja`ibpga'Muml`fbm Jbgbpmf

5=

>

='>>>

0'>>>

5'>>>

4'>>>

2'>>>

3'>>>

Tatmf libl`pau bg MJ Tatmf RJT

2'>8>

=5>

0&3>"

^PBUBGEIM DB RJT BG MUML@FBMU JBGBPMFBU'

=>>"


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pjmgau db ja`ibpga'Eagubka db Mdligiutpmeig

50

Il~auitapbu008

EE'MM:>

Lrgiei~iau=48

Bl~fbmdau3=

Bgtidmdbu I' Jpmf'45

Crgdmdapbu:3

Atpau:

Ga Eagubkbpau5


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pjmgau db ja`ibpga'Eagubka db Mdligiutpmeig

55

>

=>>

0>>

5>>

4>>

2>>

3>>

:>>

Tatmf Eagubkbpau Tatmf RJT

353

=4

=>>"

0&0>"

^PBUBGEIM DB RJT BG EAGUBKAU DB MDLIGIUTPMEIG'


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pjmgau db ja`ibpga'Ealiuig db Eagtpaf

54

Il~auitapbu9:

EE'MM'5>

Lrgiei~iau35

Bl~fbmdau4=

Bgtidmdbu I' Jpmf'02

Crgdmdapbu59

Atpau5


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pjmgau db ja`ibpga'Ealiuig db Eagtpaf

52

>

2>

=>>

=2>

0>>

02>

5>>

Tatmf Ealiuig Eagtpaf Tatmf RJT

098

=>

5&53"

^PBUBGEIM DB RJT BG EALIUIAGBU DB EAGTPAF

=>>"


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Crtrpa iglbdimta (=)

5:

Bf pbuemtb brpa~ba dbf ubetap mgempia bu~maf& eicpmda bg rg lxila db =>>'>>>liffagbu db brpau& eagffbsm rgm ubpib db eagdieiagbu db a`fijmda erl~filibgta& ga

uafa db empetbp cigmgeibpa uiga tmlìg db eal~paliua ~mpm bf Jaìbpga& bu dbeip ubtpmtm bg dbcigitism y bg fm ~petiem db rgm igtbpsbgeig bg tadm pbjfm dbf uiutblmcigmgeibpa y fm ~rbutm m diu~auieig dbf Jaìbpga m fau dietmdau db fm EaliuigBrpa~bm y dbf @EB bg fa pbfmtisa mf ubetap cigmgeibpa& ym }rb ubjg ub igtbp~pbtm db fmfbetrpm dbf Lblapmgdrl ac Rgdbputmgdigj (LaR) bfmàpmda ~ap tegieau db fmEaliuig Brpa~bm y }rb pbeajb fmu bxijbgeimu db @prubfmu& bxiutb rgm butpbehm pbfmeig

bgtpb fau dbub}rifi`piau lmepabeaglieau dbf Butmda& fmu cigmg{mu ~`fiemu y fm

uafsbgeim dbf ubetap cigmgeibpa'

Butmu bxijbgeimu il~rbutmu mf pbuemtb brpa~ba& eagffbsmpm rgm efmuiciemeig db fmu

bgtidmdbu cigmgeibpmu bg ermtpa jpr~au; Jpr~a >& fmu bgtidmdbu }rb butg ìbg? Jpr~a=& fmu bgtidmdbu igtbpsbgidmu ~ap bf Butmda? Jpr~a 0& fmu bgtidmdbu }rb uru~bgdmg fau

tbut db butpu y ~pbeiumg myrdmu ~`fiemu ~mpm pbem~itmfi{mpub& y bf Jpr~a 5& fmu }rburu~bgdmg bf tbut db butpu y ~rbdmg em~tmp em~itmf bxtpm bg bf lbpemda ~ap bffmuliulmu'

Bg butb ubgtida& fmu dbf Jpr~a 0& bgtpmpmg& eag lrehm ~pa`mìfidmd& bg rgm grbsm cmubdb gmeiagmfi{meig'


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Crtrpa iglbdimta (0)

58

Fmu dbf Jpr~a 0 (bgtidmdbu sim`fbu ~bpa }rb pbei`mg myrdmu ~`fiemu ~mpmpbem~itmfi{mpub)& db`bpg ~agbp bg lmpehm ~paebuau db pbbutpretrpmeig& bfiligmda~fmgtiffmu y ebppmgda acieigmu& mdblu db sbgdbp metisau y ubjpbjmp uru metisautxieau& ga ~mjmp disidbgdau y filitmp fmu pbtpi`reiagbu smpim`fbu db uru dipbetisau&pbdreip ur db~bgdbgeim dbf @EB (lbgau ~putmlau db @EB) y lbkapmp ur jaìbpgaeap~apmtisa'

Butmu bgtidmdbu dbf Jpr~a 0& db`bpg il~agbp }ritmu (diuligreig dbf smfap) m fau

meeiagiutmu y m fau ~aubbdapbu db ~pbcbpbgtbu y dbrdm uràpdigmdm& eag bf cig dbligili{mp bf eautb ~mpm fau eagtpi`rybgtbu'

Bg pbfmeig eag fmu Emkmu db Mhappau& fm bxijbgeim brpa~bm il~agb rgm pbcaplm db fmuEmkmu& ~mpm }rb dbkbg bsbgtrmflbgtb db eagtpafmp m fau `mgeau cifimfbu y mdblu

il~agb igeal~mtiìfidmdbu bgtpb fau Eagubkau db Mdligiutpmeig (db fmu Emkmu y db fau

`mgeau ~mptiei~mdau ~ap bffmu)? bf a`kbtisa bu }rb bg butb ma fmu Emkmu ~ibpdmg bfeagtpaf db uru mgeau& pbdreibgda ur ~mptiei~meig ~ap db`mka dbf 2>"'

Bg ermgta mf ~m~bf dbf @mgea db Bu~mm& bf daerlbgta brpa~ba& fb atapjm rgmem~meidmd a~bpmeiagmf y db ur~bpsiuig eag lmyap igdb~bgdbgeim dbf Jaìbpga& fa }rb

m lbdia fmpja ur~agdp rg lmyap eagtpaf ~ap ~mptb dbf @EB dbf ubetap cigmgeibpa'


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Crtrpa iglbdimta (5)

59

âp atpa fmda& fmu bgtidmdbu dbf Jpr~a 0& tbgdpg }rb ubjpbjmp uru metisau& ffbsmgdafau epditau iglaìfimpiau igea`pm`fbu m rg `mgea lmfa& bgtidmd }rb epbmp bf Butmda y}rb ubp fm bgempjmdm db ur jbutig y ~autbpiap fi}ridmeig db butau metisau'

Tada butb dbumppaffa db fmu bxijbgeimu il~rbutmu& ub ffbsmp m emà `mka rg butpieta ypbjrfmp eagtpaf ~ap ~mptb db fm Ealiuig Brpa~bm& bg eafmàpmeig eag bf @EB y B@M&~mpm sbpiciemp bf erl~filibgta db fmu eagdieiagbu ~aftiemu sigerfmdmu m fm myrdm

cigmgeibpm& mu eala fm bkbereig db fmu liulmu bg bf emfbgdmpia ~pbsiuta bg fm hakm db

prtm'

Reestructuración y Bancarización de las Cajas de Ahorros

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