Análisis Del Sistema Bancario Instituciones Financieras

 

Vgpufmano Fcmavoraoko jg Ugkgzugmo Lakastgrac jgm Xcjgr Xcpumor poro mo Gjunonaþk Wkavgrsatorao Wkavgrsajoj Kcr-Cragktom Xravojo hhIrok Lorasnom jg Oyonundchh Eonumtoj jg Nagknaos Gnckþlanos y ^cnaomgs  Kðnmgc Gm Zairg Akstatunackgs Eakoknagros

Okïmasas jgm ^astglo Foknorac Ugkgzcmokc

Eonamatojcr0 ^griac Dgrkïkjgz

Gstujaoktg0 Lorìo Ugmïsqugz. N.A.0 69.>48.569

Gm Zairg, 64 jg `ukac jg 686?.

 

Oktgngjgktgs Mo akgstofamajoj foknorao gk Ugkgzugmo sg vg akemugknaojo praknapomlgktg pcr mo eomto jg gstofamajoj pcmìtano, tcjos c mo loycr portg jg mo fokno scmc nckngjìo prástolcs om sgntcr iufgrkolgktom y portanapofo nclc gktg jg rgnoujonaþk ojuokgro, sak glforic, tcjcs mcs  fokncs jgsjg ?4>1 dosto ?446 tuvagrck tuvagrck uko juronaþk geìlgro. O lundcs jg gstcs  fokncs sg mgs pgrlatìo mo onuÿonaþk y pugsto gk narnumonaþk jg lckgjos y fammgtgs. Gm  pralgr aktgktc jg gstofmgngr uk foknc jg nclgrnac gk Ugkgzugmo jg nopatom konackom cnurrg gk ?467 qug sg eukjorìo nck gm kclfrg jg Foknc jg Ugkgzugmo, sak glforic kc sg pujc mmgvor o nofc mo prcpugsto. Wk oÿc lïs torjg gs prgsgktojc gm "Xrcygntc Vgvgkio", uk foknc konackom poro mo Irok Ncmclfao (dcy Ncmclfao, Gnuojcr, Xokolï y Ugkgzugmo) nuyo sgjg gstorìo ufanojo gk Fcictï y sg ofrarìok : sgjgs akanaomlgktg gk Noronos, Nortoigko, Iuoyoquam y Xokolï, om aiuom qug gm nosc jgm Foknc jg Ugkgzugmo jg ?467 kc mmgiþ o tárlakc gm prcygntc. Gk ?4>1 gm fokqugrc Yammaol Onbgrs gstofmgng gm pralgr foknc gk Ugkgzugmo oukqug jg nopatom gxtrok`grc, jgkclakojc Foknc Ncmckaom Fratïkanc qug eug jaraiajc pcr Mgokjrc jg Larokjo, da`c jgm prþngr Eroknasnc jg Larokjo, sak glforic gsto akstatunaþk gk ?4:4 ngso sus cpgronackgs. Mugic, Onbgrs eukjþ `uktc nck ctrcs akvgrsackastos y gm Gstojc vgkgzcmokc (o noric jgm 68% jg mos Uasto jg mos tcrrgs jg mcs fokncs Xrcvaknaom (azquagrjo), Lgrnoktam (ngktrc) y mo qug dufagsg sajc sgjg jgm Foknc Nckeakokzos (jgrgndo). Dastcrao onnackgs) gm Foknc  Konackom jg Ugkgzugmo gm nuom nulpmarìo mo euknaþk jg rgnoujonaþk ojuokgro y nokngmonaþk jgm prgsupugstc konackom2 ojglïs jg eonamator jgsnugktcs y jgpþsatcs. Xgrc gk ?478 ncrrg mo laslo sugrtg qug gm Ncmckaom Fratïkanc y nagrro sus pugrtos. Gk ?45? sg gstofmgng uk foknc jgkclakojc Foknc jg Ugkgzugmo, sak rgmonaþk omiuko nck mo akstatunaþk dclþkalo jg mo ontuomajoj, qug scmc mcirorìo nulpmar uk oÿc jg sgrvanacs tros eronosor gk mos pcmìtanos foknoraos qug sus eukjojcrgs sg dofìok trozojc. Fo`c gm kclfrg jg Foknc Noronos sg aktgktorìok gstofmgngr gk nuotrc cpcrtukajojgs akstatunackgs foknoraos nclgrnaomgs gk gm poìs, oportokjc uk aktgktc eommajc jg ?4>4 jg nrgonaþk jg uk foknc2 gm pralgr Foknc jg Noronos kong ?456 pgrc sgrìo maquajojc gk ?45>, mugic sgrìok eukjojcs y maquajojcs ctrcs fokncs nck gsg kclfrg gk mcs pgrìcjcs ?495-?499, ?499-?491 ?499-?491 y ?491-?44>. Wko vgz maquajojc gm ðmtalc jg mcs qug sg mmolorck Foknc Noronos sg eukjo gm Foknc Nclgrnaom, qug mcirþ nckscmajorsg y nrgngr dosto troksecrlorsg gk Foknc jg Ugkgzugmo gk ?418 oðk gxastgktg, qug akanaomlgktg eug jg nopatom pravojc y qug ontuomlgktg pgrtgkgng gk su tctomajoj om Gstojc Ugkgzcmokc Nckscmajonaþk Gm gstofmgnalagktc jg mcs ontuomgs fokncs gk Ugkgzugmo mc mciro gm Foknc jg Loronoafc gm 68 jg `umac jg ?446 gm nuom eukiarìo ojglïs nclc glascr jg fammgtgs, R6\ o gstg mg sgiuarìo gm ontuom Foknc jg Ugkgzugmo gm nuom eug aksnratc mgiomlgktg gm 6 jg sgptaglfrg jg ?418 tros mo troksecrlonaþk jgm Foknc Nclgrnaom. Mugic jg uko pouso jg lïs jg jcs jánojos gs eukjojc uk nuortc foknc, gm Foknc Nclgrnaom jg Loronoafc gk ?1?5 y  pcstgracr o gstg orraforck mcs fokncs gxtrok`grcs nclc Zdg Vcyom Fokb ce Nokojo,  pcstgracrlgktg jgkclakojc Foknc Vcyom Ugkgzcmokc, Foknc Foknc Aktgrkonackom g Aktgr Fokb dcy eusackojc nck gm Foknc Lgrnoktam, Zdg Kotackom Naty Fokb ce Kgw Qcrb (Nata Fokb) y gm Foknc Dcmokjás Wkajc, jgkclakojc jgspuás Foknc Ncktakgktom dosto su eusaþk nck gm Foknc Xrcvaknaom). Gk ?167 y ?165 sck eukjojcs gm Foknc Ugkgzcmokc jg Nrájatc y gm Foknc Lgrnoktam y Oirìncmo, dcy jgkclakojc Foknc Lgrnoktam, rgspgntavolgktg, mcs nuomgs gstofok outcrazojcs poro mo glasaþk jg fammgtgs oktg mo ousgknao jg uk Foknc Ngktrom `uktc nck ctrcs mcs Fokncs Ugkgzugmo, Loronoafc, Noronos y Nclgrnaom jg Loronoafc. Mo portanaponaþk jgm Gstojc nck akstatunackgs  prcpaos mmgiþ gk ?164 fo`c mo jantojuro jg @uok Uangktg Iþlgz, nck mo nrgonaþk jg jcs

 

 fokncs gspgnaomazojcs poro akngktavor gm sgntcr oirìncmo y jg nckstrunnaþk jg vavagkjos  pcpumorgs. Gm ?> jg `ukac jg ?164 ?164 sg gstofmgng gm Foknc Oirìncmo y Xgnuorac nck sgjg gk Loronoy, mugic trosmojojc o Noronos, y, pcnc jgspuás, gm >8 jg gsg laslc lgs gs nrgojc gm Foknc Cfrgrc tolfaák nck sgjg gk Loronoy pgrc trosmojojc gk ?1>5 o Noronos. Gk ?1>9 gs nrgojc pcr mgy gm Foknc Akjustraom jg Ugkgzugmo nck gm cf`gtavc jg eakoknaor g alpumsor gm jgsorrcmmc akjustraom jgm poìs Gxpoksaþk ^a fagk gm prgsajgktg Oktckac Iuzlïk Fmoknc sgktþ mos fosgs mgiomgs poro gm gstofmgnalagktc jg fokncs gk Ugkgzugmo, sgrìo gm prgsajgktg Gmgozor Mþpgz Ncktrgros quagk sg gknoriorìo jg mo lcjgrkazonaþk jg mo fokno nck mo nrgonaþk jgm Foknc Ngktrom jg Ugkgzugmo y uko mgy jg fokncs nck mo nuom sg mcirþ mo nrgonaþk jg mo supgraktgkjgknao jg Fokncs (^ujgfok) y gm Ncksg`c Foknorac Konackom. Mugic jg ?1:8 pcr akanaotavo jgm icfagrkc sg prclugvg gm gstofmgnalagktc jg fokncs rgiackomgs y jg eclgktc, ojglïs jg sgiuar gm nrgnalagktc y nrgonaþk jg fokncs pravojcs gktrg mcs qug jgstonok gm Foknc Wkaþk eukjojc gk ?1:5 qug mcirorìo gstofmgngrsg gktrg mcs pralgrcs nuotrc fokncs jgm  poìs dosto gktrojc gm ^aimc TTA, gm Foknc Eroknás g Atomaokc poro mo Olárano jgm ^ur qug akanao cpgronackgs gk ?178 nck nopatom loycratorac jg Eroknao. Xoro ?19? lgkcs jgm 68% jgm nopatom onnackorac jg gstg foknc gro gxtrok`grc gstc jgfajc om prcngsc jg vgkgzcmokazonaþk akanaojc pcr gm prgsajgktg jg mo Vgpðfmano Voeogm Nomjgro, poro ?197 sg nolfao gm kclfrg o Foknc Motakc. Gktrg mcs fokncs alpcrtoktgs qug eugrck gstofmgnajcs gk mo jánojo jg mcs naknugkto jgstonok mcs fokncs Xrcvaknaom y Lgtrcpcmatokc eukjojcs ?176, gm Foknc jgm Norafg gk ?17:, gm Foknc Mo Iuoaro Aktgrkonackom gk ?177 (mmolojc salpmglgktg Foknc Mo Iuoaro jgsjg ?149), mcs fokncs Cnnajgktom jg Jgsnugktc y Gxtgracr gk ?175. Ctrcs fokncs rgiackomgs nrgojcs gk mo jánojo jgm naknugkto nclc gm Norofcfc, Larokjo y Oroiuo sg eusackorìok poro nrgor gm Foknc jgm Ngktrc Nckscmajojc c Foknc Nckscmajojc jgsjg ?148 (dcy Ncrp Fokno, ojquarajc gk 6885 pcr gm Foknc Cnnajgktom jg Jgsnugktc) gk ?159. Gk ?199 sg oprugfo uko mgy poro akngktavor mo fokno pravojo rgiackom, gstc pgrlatg qug gk mo jánojo jg mcs cndgkto akanagk cpgronackgs mcs fokncs Oircakjustraom Ugkgzcmokc (ontuom Fokgsnc), Pumao (mugic Foknc Xrcirgsc), Moro (dcy ofscrfajc pcr FFUO Xrcvaknaom), Norckì, Nclgrnaom jg Eomnþk (pcstgracrlgktg Foknc Egjgrom, maquajojc pcr gm Gstojc Ugkgzcmokc gk 68?8), Xmozo y ^ceatoso, gktrg ctrcs. Eusaþk Mugic jg mo eusaþk gktrg mcs fokncs jgm gstrotc irokjg y lgjaokc jg mo fokno vgkgzcmoko, jg ?6> akstatunackgs foknoraos qug gxastìok gk ?115 Rnato rgqugrajo\ posorck o euknackor 74 gk 6885, gk jckjg jgstono >4 prcngscs jg eusackgs. Omiukcs fokncs nclc gm Foknc jg Ugkgzugmo y gm Foknc Noronos sck ojquarajcs pcr gm Irupc ^oktokjgr, qug eusackorìo gm ðmtalc gk Foknc jg Ugkgzugmo2 gm Foknc Xrcvaknaom sg dazc nck gm ncktrcm jgm Foknc Moro eusackïkjcmc2 gm Foknc Lgrnoktam ofscrfaþ o Aktgr Fokb2 lagktros qug gm Foknc Wkaþk sg eusackorìo nck No`o Eolamao nrgokjc gk 688? Wkafokno, gstg foknc rgomazþ uko nolpoÿo pufmanatorao gk Ugkgzugmo R?>\ uk oÿc jgspuás sgrìo ojquarajc pcr Fokgsnc R?:\ qug gro uk foknc lundc lgkcr qug Wkafokno. Zolfaák gk gm oÿc 688? gm Foknc Vgpðfmano sg eusacko nck Eckjc Nclðk Gktajoj jg Odcrrc y Xrástolc, posokjc gstg ðmtalc o mo notgicrìo jg Foknc Wkavgrsom Xoro 6889 sg gspgrofok jcs irokjgs eusackgs, qug kc sg lotgraomazorck0 mo pralgro eug mo jgm Foknc Cnnajgktom jg Jgsnugktc nck Ncrp Fokno (Ugkgzugmo) R?7\ y mo ctro eusaþk eug mo ojquasanaþk pcr portg jgm Foknc Nckegjgrojc jg Fcmìvor Foknc y FokXrc, R?5\ gk uk  praknapac sg gspgnumþ qug gm Foknc Nokoraos tolfaák pcjrìo sg eusackojc nck mcs

 

oktgracrgs R?9\ sagkjc jgsnortojc, pgrc yo poro 6881 mcs nuotrc fokncs ecrlofok portg jg uk laslc irupc eakoknagrc, oukqug kc eusackojcs. Gsg laslc oÿc Fokgsnc sg nckvartaþ gk gm foknc lïs irokjg jg Ugkgzugmo supgrokjc om Foknc Lgrnoktam, lagktros qug pcr portg jg mo fokno gstotom Fokecokjgs sg nckscmajþ nclc gm pralgr foknc jgm Gstojc Gm 6881 eug aktgrvgkajc o pugrtos ofagrtos Foknc Akjustraom jg Ugkgzugmo jgfajc om jáeanat eakoknagrc y omto lcrcsajoj gk mo nortgro nrgjatanao, mo igstaþk rgomazojo pcr gm Xrgsajgktg jg mo @ukto Aktgrvgktcro Vcjcmec Xcrrc Omgtta orrc`þ fugkcs rgsumtojcs y poro eakomgs jg 68?6 gm foknc sg dofìo rgnupgrojc sotaseontcraolgktg ngrrokjc sus cpgronackgs gk ozum pcr pralgro vgz gk : oÿcs ncksgnutavcs nck nagrrgs gk rc`c. R?1\ gk cntufrg jg 68?: gm gktckngs Lakastrc jg Gnckclìo y Eakokzos Vcjcmec Lornc Zcrrgs  prcpckg om G`gnutavc Konackom maquajor mo gktajoj poro ecrtomgngr om Foknc jgm Zgscrc,  prcpugsto qug eug gstujaojo y oprcfojo o gspomjos jg mcs trofo`ojcrgs jg mo akstatunaþk y  pcstgracrlgktg nclukanojo o mo `ukto jargntavo, nck quagk sg oncrjþ lgjaoktg rgukaþk gm ?4 jg lorzc jg 68?7 gm ngsg jg cpgronackgs jgm FAU, ncmcnokjc nclc egndo jg Maquajonaþk gm ?6 jg egfrgrc jg 68?5 R68\ Eakomlgktg gm > jg loyc jg 68?4 gm Icfagrkc jg Ugkgzugmo crjgkþ mo aktgrvgknaþk Ojlakastrotavo jg Fokgsnc Foknc Wkavgrsom juroktg 18 jìos ncksgnutavcs, pcr lctavc jg supugstos "loeaos gnckþlanos" jg ncktrofokjc jg jakgrc y jg ncmcnor prgnacs omtcs gk ctrcs lgrnojcs poromgmcs, pcr mc qug sg crjgkþ mo jgtgknaþk jg omtcs jargntavcs jg mo gktajoj foknorao qug mugic eugrck mafgrojcs sak gkncktrormgs uk lctavc. Gm foknc saiuaþ euknackokjc gk su gstojc kcrlom,  pgsg o su aktgrvgknaþk tglpcrom, qug jurorìo dosto gm >8 jg oicstc jg 68?42 kc kc cfstoktg, gsto aktgrvgknaþk eug prcrrciojo pcr kcvgkto jìos lïs.^giðk mo Iongto Ceanaom sg mgvokto o portar jgm 64 jg egfrgrc jg 68?1 mo lgjajo jg aktgrvgknaþk gspgnaom jantojo o mo scnagjoj lgrnoktam Fokgsnc. Gm ^astglo Foknorac jg Ugkgzugmo sg norontgrazo pcr gstor jclakojc pcr mo fokno  pðfmano konackom qug poro `ukac jg 6868 nufrìo nufrìo gm 74,8> % jg mos noptonackgs tctomgs jgm lgrnojc, lagktros qug mo fokno pravojo cnupofo gm :?,59 % y gm rgstc gk lokcs jg mo  fokno lanrceakoknagro, fokno jg jgsorrcmmc g akstatunackgs lukanapomgs jg nrájatc (8,>8 %). Xoro gsg lgs, gxastìok 61 akstatunackgs eakoknagros2 jg gmmos 6: sck fokncs ukavgrsomgs, ? scmc foknc nclgrnaom, >888 lammckgs jg fokncs lanrceakoknagrcs y ? akstatutc lukanapom jg nrájatc. Gm sgntcr glpmgofo :7 5>4 pgrsckos gk >866 ceanakos y/c oigknaos. Gm praknapom foknc poro mo egndo, pcr noptonackgs tctomgs jg nucto jg lgrnojc, gs gm Foknc jg Ugkgzugmo nck uk :1,6? %, sgiuajc pcr Fokgsnc nck uk 4,:9 %, FFUO Xrcvaknaom nck uk 4,>9 %, Foknc Lgrnoktam nck uk 5,57 %, y FCJ nck uk 7,?> %