boletín estadístico banca múltiple agosto 2011 · presentación5 i.reglas de carácter general a...

Boletín EstadísticoBanca Múltiple

Agosto 2011

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El siguiente contenido fue elaborado por personal de laComisión Nacional Bancaria y de Valores, a partir de la información

disponible al 30 de septiembre de 2011, recibida en los Reportes Regulatorios quelas entidades supervisadas envían a esta Comisión.

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Indice

Presentación 5

I.Reglas de Carácter General a que se Refiere elArtículo 134 Bis de la Ley de Instituciones de Crédito 6

II.Estadísticas de la Banca Múltiple 8

Participación en el Mercado 9

Indicadores Financieros 11

Cartera de Crédito Total 12

Cartera de Crédito al Consumo 13

Cartera de Crédito a la Vivienda 20

Cartera de Crédito a Empresas 21

Cartera de Crédito a Entidades Financieras 23

Cartera de Crédito a Entidades Gubernamentales 23

Captación de Recursos 24

Capitalización 26

Cartera de Crédito por Calificación 28

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III. Información Detallada de la Cartera de Crédito 40

III.I Información Detallada de la Cartera de Crédito a la Vivienda 41

Información Detallada General 42

Distribución por Valor de la Vivienda 43

Distribución por Nivel de Financiamiento (LTV) 50

IV. Estados Financieros 57

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La Comisión Nacional Bancaria y de Valores emite el presente Boletín para cumplir con lo dispuesto por la fracción XXIII del Artículo 4º de la Ley de la Comisión Nacional Bancaria y de Valores. Mediante la difusión de información financiera se persigue promover la transparencia y autorregulación de las instituciones de banca múltiple, así como proveer a los mercados y al público en general, información suficiente y confiable que permita el análisis y seguimiento de estas instituciones y de los mercados en que participan.

El boletín estadístico se encuentra compuesto por 5 secciones:

En primer lugar se muestra la clasificación de las entidades de acuerdo a las Reglas de Carácter General a que se refiere el Artículo 134 Bis de la Ley de Instituciones de Crédito, donde se presenta la información más reciente disponible sobre el Índice de capitalización de cada una de las instituciones del sector.

La segunda sección expone la evaluación de la calidad y oportunidad de la información que las instituciones de banca múltiple envían a esta Comisión.

La tercera sección presenta la información estadística más relevante del total del sistema y de cada banco. Se incluye la participación en el mercado, los indicadores financieros más destacados, los saldos de cada tipo de crédito y de la captación de recursos. También se detalla la información los principales componentes de la capitalización por riesgos y los saldos de cartera de crédito por calificación.

En la cuarta sección se presenta la información detallada de la cartera de crédito a empresas y a la vivienda de cada banco. Se publica información sobre las principales características del portafolio así como del otorgamiento mensual.

Por último, se hace un compendio de los estados financieros que las instituciones de banca múltiple informan a esta Comisión. Es importante señalar que la información de esta sección no debe corresponder de manera exacta con la presentada en secciones anteriores ya que la finalidad de las secciones estadísticas es proveer series de datos consistentes en el tiempo que permitan un mejor análisis sobre la condición financiera de las instituciones.

Presentación

I.Reglas de Carácter General a que se Refiere el Artículo 134 Bis de la Ley de Instituciones de Crédito

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CLASIFICACIÓN DE LAS INSTITUCIONES DE BANCA MÚLTIPLE DE ACUERDO AL ARTÍCULO 220 DE LAS DISPOSICIONES DE CARÁCTER

GENERAL, A QUESE REFIERE EL ARTÍCULO 134 BIS DE LA LEY DE INSTITUCIONES DE CRÉDITO

Cifras al 31 de Julio de 2011

Con el fin de mantener informado al público del desempeño de las instituciones que conforman al sector de banca múltiple, la Comisión Nacional Bancaria y de Valores, con fundamento en lo dispuesto en el artículo 134 Bis de la Ley de Instituciones de Crédito, en relación con los artículos 220 y 221 de las “Disposiciones de carácter general aplicables a las instituciones de crédito”, da a conocer la clasificación de las instituciones de banca múltiple en categorías, con base en el índice de capitalización requerido conforme a las disposiciones aplicables a los requerimientos de capitalización, emitidas por esta Comisión en términos del artículo 50 de la Ley de Instituciones de Crédito.

REGLAS DE CARÁCTER GENERAL A QUE SE REFIERE EL ARTÍCULO 134 BIS DE LA LEY DE INSTITUCIONES DE CRÉDITO

1/ Dado a conocer a esta Comisión por el Banco de México el día 6 de septiembre de 2011, con base en la

información entregada por las Instituciones, conforme a lo dispuesto por el artículo 2 Bis 4 de las “Disposiciones de

carácter general aplicables a las instituciones de crédito”.

The Bank of New York Mellon 194.33 I

UBS 75.00 I

Banco Fácil 58.71 I

Inter Banco 52.02 I

Compartamos 43.35 I

Actinver 40.79 I

The Royal Bank of Scotland 34.40 I

Bank of Tokyo-Mitsubishi UFJ 32.66 I

J. P. Morgan 27.72 I

American Express 27.54 I

Banco Amigo 25.14 I

Bank of America 25.02 I

Inbursa 24.82 I

Monex 24.01 I

Banco Wal-Mart 22.49 I

CIBanco 19.34 I

Volkswagen Bank 19.11 I

Ve por Más 18.60 I

Bansí 17.95 I

Banco Credit Suisse 17.85 I

Barclays 17.72 I

Deutsche Bank 17.50 I

Banamex 17.09 I

Interacciones 17.00 I

Scotiabank 16.60 I

Banregio 16.54 I

Banco del Bajío 16.30 I

Autofin 16.12 I

Banorte 15.94 I

BBVA Bancomer 15.58 I

Invex 15.36 I

Ixe 15.01 I

Santander 14.81 I

HSBC 14.27 I

Afirme 14.21 I

Banco Azteca 13.36 I

ING 12.85 I

Banca Mifel 12.53 I

Multiva 12.23 I

Banco Ahorro Famsa 12.15 I

BanCoppel 12.14 I

Institución Índice de Categoría capitalización1/ (%)

II. Estadísticas dela Banca Múltiple

La información contenida en esta sección incluye la información de las Sociedades Financieras de Objeto Múltiple, Entidades Reguladas, que administran porcentajes significativos de la cartera otorgada por la Banca Múltiple. El objetivo de esto es proporcionar al público indicadores estadísticos que reflejen adecuadamente la condición financiera y operativa de la Banca Múltiple.

Participación en el Mercado Septiembre 2008 (Millones de pesos y porcentajes)

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Activo Total 1/ Cartera Total

Ago. 2010 Jul. 2011 Ago. 2011 Ago. 2010 Jul. 2011 Ago. 2011

Total* 5,264,232.2 100.00 5,823,543.0 100.00 5,918,948.2 100.00 2,042,526.3 100.00 2,271,061.6 100.00 2,297,792.5 100.00

BBVA Bancomer 1,136,610.4 21.59 1,207,090.6 20.73 1,201,879.1 20.31 545,007.5 26.68 581,364.7 25.60 588,051.3 25.59

Banamex 1,048,250.9 19.91 1,071,791.9 18.40 1,066,426.1 18.02 343,152.3 16.80 359,099.1 15.81 359,480.5 15.64

Santander 716,342.6 13.61 756,757.6 12.99 829,400.4 14.01 210,747.9 10.32 297,477.8 13.10 301,242.7 13.11

Banorte 561,960.2 10.68 607,244.9 10.43 606,959.3 10.25 232,221.7 11.37 270,544.8 11.91 274,706.7 11.96

HSBC 456,087.3 8.66 500,224.4 8.59 506,144.0 8.55 159,089.7 7.79 181,621.0 8.00 183,778.1 8.00

Inbursa 238,274.5 4.53 245,624.9 4.22 227,231.3 3.84 176,179.7 8.63 153,378.1 6.75 154,920.5 6.74

Scotiabank 197,328.1 3.75 207,765.2 3.57 223,956.5 3.78 103,091.0 5.05 113,552.3 5.00 114,890.9 5.00

Deutsche Bank 59,762.0 1.14 191,954.0 3.30 189,428.3 3.20 549.2 0.03 568.3 0.03 731.6 0.03

ING 122,071.9 2.32 139,844.3 2.40 150,359.5 2.54 4,613.2 0.23 4,089.8 0.18 4,027.2 0.18

IXE 78,318.9 1.49 88,907.4 1.53 94,849.0 1.60 28,195.8 1.38 31,929.1 1.41 31,960.2 1.39

Interacciones 75,293.7 1.43 79,846.8 1.37 89,323.7 1.51 42,094.3 2.06 45,583.1 2.01 48,011.5 2.09

Banco del Bajío 84,084.9 1.60 88,076.6 1.51 88,675.9 1.50 61,138.2 2.99 65,408.2 2.88 64,944.7 2.83

Afirme 40,640.8 0.77 76,906.3 1.32 81,997.5 1.39 9,778.2 0.48 10,319.6 0.45 10,724.6 0.47

Bank of America 48,621.9 0.92 82,572.1 1.42 81,930.8 1.38 440.8 0.02 2,021.7 0.09 1,958.9 0.09

Banco Azteca 65,780.7 1.25 69,129.8 1.19 70,892.7 1.20 22,836.9 1.12 32,582.6 1.43 33,562.9 1.46

Banregio 43,061.3 0.82 54,177.4 0.93 53,278.8 0.90 18,604.9 0.91 21,432.7 0.94 22,706.9 0.99

J. P. Morgan 33,986.9 0.65 45,512.0 0.78 40,213.6 0.68 219.1 0.01 143.1 0.01 142.9 0.01

Banca Mifel 32,355.6 0.61 37,574.6 0.65 35,454.2 0.60 15,742.3 0.77 14,523.0 0.64 13,794.4 0.60

Invex 32,616.1 0.62 31,685.0 0.54 32,583.2 0.55 7,951.8 0.39 7,547.4 0.33 7,930.8 0.35

Barclays 23,026.2 0.44 26,557.2 0.46 31,205.2 0.53 0.0 0.00 0.0 0.00 0.0 0.00

Monex 25,929.4 0.49 26,198.4 0.45 27,481.5 0.46 2,286.8 0.11 3,151.8 0.14 3,158.7 0.14

Banco Credit Suisse 17,062.0 0.32 32,309.4 0.55 19,552.3 0.33 0.0 0.00 0.0 0.00 5.7 0.00

CIBanco 10,187.2 0.19 17,163.3 0.29 18,924.1 0.32 498.4 0.02 2,493.9 0.11 2,741.5 0.12

Multiva 14,701.5 0.28 15,740.7 0.27 18,475.9 0.31 6,778.5 0.33 9,107.5 0.40 9,573.1 0.42

Bansí 15,589.3 0.30 14,975.0 0.26 17,330.1 0.29 6,055.9 0.30 6,130.3 0.27 6,501.3 0.28

American Express 15,880.1 0.30 16,923.5 0.29 16,861.5 0.28 8,328.4 0.41 7,522.8 0.33 7,491.7 0.33

Ve por Más 13,164.9 0.25 14,337.3 0.25 14,598.9 0.25 8,302.6 0.41 9,286.1 0.41 9,250.6 0.40

Compartamos 10,130.7 0.19 13,303.1 0.23 13,723.8 0.23 8,979.0 0.44 12,172.4 0.54 12,232.6 0.53

Banco Ahorro Famsa 11,128.8 0.21 12,595.9 0.22 12,640.1 0.21 9,763.4 0.48 11,246.6 0.50 11,542.5 0.50

Bancoppel 8,233.8 0.16 12,358.9 0.21 12,058.3 0.20 2,744.6 0.13 4,676.8 0.21 4,956.0 0.22

The Royal Bank of Scotland 5,529.7 0.11 4,894.9 0.08 8,915.5 0.15 246.0 0.01 706.4 0.03 950.7 0.04

Bank of Tokyo-Mitsubishi UFJ 6,087.7 0.12 6,065.4 0.10 6,409.1 0.11 1,634.8 0.08 1,224.2 0.05 1,147.0 0.05

UBS 1,347.9 0.03 4,834.2 0.08 5,606.2 0.09 0.0 0.00 0.0 0.00 85.0 0.00

Actinver 3,959.6 0.08 5,289.1 0.09 5,286.1 0.09 250.5 0.01 777.3 0.03 903.6 0.04

Inter Banco 3,141.6 0.06 3,912.6 0.07 4,433.4 0.07 956.4 0.05 147.6 0.01 185.0 0.01

Autofin 2,011.1 0.04 2,949.1 0.05 3,855.3 0.07 1,574.2 0.08 2,274.0 0.10 2,244.1 0.10

Banco Wal-Mart 2,038.5 0.04 3,232.0 0.06 3,409.1 0.06 424.4 0.02 1,822.3 0.08 1,897.9 0.08

Banco Amigo 739.1 0.01 3,266.0 0.06 3,145.8 0.05 234.1 0.01 2,160.8 0.10 2,319.7 0.10

Volkswagen Bank 1,889.2 0.04 3,018.1 0.05 3,124.1 0.05 1,640.9 0.08 2,885.4 0.13 2,954.5 0.13

The Bank of New York Mellon 749.3 0.01 764.0 0.01 763.4 0.01 0.0 0.00 0.0 0.00 0.0 0.00

Banco Fácil 255.5 0.00 169.3 0.00 164.6 0.00 172.5 0.01 88.8 0.00 84.2 0.00

1/ Activo Total ajustado por las operaciones de Reporto. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.

Participación en el Mercado Septiembre 2008 (Millones de pesos y porcentajes)

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Captación Total Resultado Neto


Total* 2,492,127.9 100.00 2,766,968.0 100.00 2,787,922.1 100.00 50,337.9 100.00 40,859.2 100.00 46,107.0 100.00

BBVA Bancomer 608,802.5 24.43 638,357.7 23.07 665,686.0 23.88 15,383.5 30.56 13,336.3 32.64 14,755.9 32.00

Banamex 467,311.5 18.75 507,878.2 18.36 502,519.9 18.02 12,085.7 24.01 5,662.2 13.86 6,044.1 13.11

Santander 269,453.7 10.81 338,242.4 12.22 356,123.1 12.77 8,763.9 17.41 7,690.4 18.82 8,842.0 19.18

Banorte 272,343.4 10.93 297,308.3 10.74 290,733.1 10.43 4,115.7 8.18 3,987.0 9.76 4,465.1 9.68

HSBC 249,208.6 10.00 307,767.6 11.12 308,874.8 11.08 647.3 1.29 356.0 0.87 852.3 1.85

Inbursa 153,996.0 6.18 134,541.3 4.86 128,824.9 4.62 2,446.6 4.86 2,184.3 5.35 2,037.3 4.42

Scotiabank 116,811.9 4.69 125,761.4 4.55 125,762.3 4.51 1,635.5 3.25 1,611.4 3.94 1,788.5 3.88

Deutsche Bank 1,886.5 0.08 3,879.8 0.14 5,221.1 0.19 243.5 0.48 38.6 0.09 78.7 0.17

ING 6,765.4 0.27 5,352.3 0.19 4,214.5 0.15 419.6 0.83 333.4 0.82 621.2 1.35

IXE 35,976.5 1.44 37,529.2 1.36 38,159.2 1.37 9.2 0.02 46.9 0.11 101.4 0.22

Interacciones 42,175.7 1.69 45,762.0 1.65 47,836.2 1.72 472.7 0.94 559.7 1.37 631.4 1.37

Banco del Bajío 62,350.4 2.50 65,633.3 2.37 64,799.9 2.32 672.5 1.34 488.4 1.20 561.4 1.22

Afirme 12,082.2 0.48 14,564.3 0.53 14,562.2 0.52 186.7 0.37 110.0 0.27 133.4 0.29

Bank of America 17,652.2 0.71 26,379.4 0.95 27,234.8 0.98 267.6 0.53 569.8 1.39 642.7 1.39

Banco Azteca 51,223.0 2.06 53,119.9 1.92 53,851.2 1.93 449.4 0.89 433.5 1.06 551.2 1.20

Banregio 17,251.8 0.69 18,877.7 0.68 20,028.7 0.72 158.6 0.31 360.0 0.88 404.0 0.88

J. P. Morgan 1,324.9 0.05 4,498.6 0.16 1,277.4 0.05 202.7 0.40 5.9 0.01 16.8 0.04

Banca Mifel 18,306.8 0.73 22,347.8 0.81 20,108.2 0.72 78.3 0.16 60.2 0.15 67.4 0.15

Invex 9,832.8 0.39 10,987.1 0.40 11,672.0 0.42 101.6 0.20 108.9 0.27 127.3 0.28

Barclays 0.0 0.00 0.0 0.00 0.0 0.00 (26.4) (0.05) 706.6 1.73 802.3 1.74

Monex 4,929.4 0.20 5,332.7 0.19 4,129.8 0.15 368.6 0.73 444.7 1.09 437.5 0.95

Banco Credit Suisse 961.9 0.04 11,786.4 0.43 3,541.4 0.13 30.3 0.06 108.4 0.27 152.6 0.33

CIBanco 4,275.8 0.17 8,742.2 0.32 8,333.4 0.30 65.7 0.13 54.4 0.13 84.9 0.18

Multiva 8,066.1 0.32 12,192.4 0.44 13,881.6 0.50 44.1 0.09 24.4 0.06 29.9 0.06

Bansí 5,485.9 0.22 5,732.3 0.21 6,000.5 0.22 82.1 0.16 57.9 0.14 66.7 0.14

American Express 10,891.1 0.44 11,227.0 0.41 11,231.4 0.40 389.0 0.77 486.4 1.19 547.7 1.19

Ve por Más 10,920.2 0.44 11,874.2 0.43 11,196.3 0.40 37.6 0.07 58.7 0.14 65.8 0.14

Compartamos 4,554.2 0.18 6,312.0 0.23 6,333.7 0.23 1,223.4 2.43 1,183.9 2.90 1,383.4 3.00

Banco Ahorro Famsa 8,453.7 0.34 9,974.2 0.36 10,032.9 0.36 305.0 0.61 235.7 0.58 242.8 0.53

Bancoppel 7,088.4 0.28 10,617.0 0.38 10,385.8 0.37 (116.4) (0.23) 15.3 0.04 21.9 0.05

The Royal Bank of Scotland 2,816.0 0.11 2,017.2 0.07 2,299.8 0.08 (50.8) (0.10) (35.2) (0.09) (35.0) (0.08)

Bank of Tokyo-Mitsubishi UFJ 4,508.5 0.18 3,869.8 0.14 4,067.6 0.15 23.8 0.05 (14.2) (0.03) (15.4) (0.03)

UBS 0.0 0.00 0.0 0.00 0.0 0.00 (40.0) (0.08) (18.4) (0.04) (1.9) (0.00)

Actinver 98.7 0.00 1,029.5 0.04 1,243.2 0.04 20.9 0.04 24.2 0.06 27.2 0.06

Inter Banco 535.5 0.02 18.3 0.00 32.0 0.00 68.5 0.14 7.1 0.02 16.5 0.04

Autofin 1,483.0 0.06 2,182.6 0.08 2,341.9 0.08 (21.4) (0.04) 0.8 0.00 (0.5) (0.00)

Banco Wal-Mart 825.9 0.03 1,602.5 0.06 1,798.6 0.06 (320.2) (0.64) (319.0) (0.78) (369.8) (0.80)

Banco Amigo 346.8 0.01 2,249.6 0.08 2,093.2 0.08 (56.9) (0.11) (37.4) (0.09) (30.8) (0.07)

Volkswagen Bank 1,045.6 0.04 1,393.7 0.05 1,466.1 0.05 (38.8) (0.08) (59.0) (0.14) (36.5) (0.08)


Banco Fácil 85.6 0.00 26.2 0.00 23.2 0.00 (0.7) (0.00) (14.8) (0.04) (15.6) (0.03)

* Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.

Indicadores Financieros Diciembre 2008(Porcentajes)

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Total* 1.42 1.29 1.26 13.36 12.53 12.32

BBVA Bancomer 1.89 1.93 1.87 21.37 20.65 19.95

Banamex 1.45 1.14 1.07 11.46 8.97 8.53

Santander 2.00 1.78 1.75 16.42 15.77 15.61

Banorte 1.05 1.14 1.11 14.43 14.59 14.23

HSBC 0.20 0.12 0.13 2.14 1.41 1.64

Inbursa 2.11 1.55 1.51 10.50 8.48 8.21

Scotiabank 1.39 1.37 1.34 10.03 10.20 10.04

Deutsche Bank 0.93 0.20 0.13 12.99 8.75 6.30

ING 0.64 0.59 0.74 7.18 9.45 11.87

IXE (0.06) 0.02 0.09 (1.17) 0.32 1.55

Interacciones 1.12 1.28 1.31 23.61 22.64 23.06

Banco del Bajío 1.24 0.96 0.91 10.00 7.63 7.21

Afirme 0.49 0.30 0.27 9.81 7.11 6.68

Bank of America 0.83 0.67 0.94 7.50 11.05 15.85

Banco Azteca 1.05 1.04 1.06 14.91 13.97 14.23

Banregio 0.64 1.11 1.15 11.57 18.48 18.44

J. P. Morgan 0.62 (0.28) (0.35) 3.95 (2.17) (2.83)

Banca Mifel 0.34 0.55 0.56 9.53 15.68 15.67

Invex 1.06 0.61 0.65 14.14 8.03 8.39

Barclays 0.36 2.74 2.91 4.21 35.07 37.01

Monex 2.48 2.66 2.42 30.90 32.32 28.76

Banco Credit Suisse 0.39 0.57 0.86 6.98 6.70 9.65

CIBanco 1.24 0.83 0.99 12.36 12.96 16.21

Multiva 0.20 0.29 0.33 2.24 2.30 2.71

Bansí 0.71 0.61 0.59 11.35 8.85 8.60

American Express 3.23 4.95 4.97 20.09 24.70 24.36

Ve por Más 0.44 0.87 0.88 6.10 10.20 10.38

Compartamos 19.66 17.31 17.11 43.53 35.70 35.38

Banco Ahorro Famsa 4.91 3.46 2.93 33.70 21.74 18.47

Bancoppel (2.21) 0.29 0.34 (19.81) 2.54 2.97

The Royal Bank of Scotland (1.10) (2.63) (2.35) (9.13) (15.17) (14.71)

Bank of Tokyo-Mitsubishi UFJ 0.51 (0.08) (0.12) 3.55 (0.69) (0.99)

UBS (2.19) 3.94 4.03 (11.34) 31.33 34.24

Actinver 1.32 1.13 1.19 4.44 5.75 6.15

Inter Banco 2.47 0.76 0.82 17.54 5.06 5.66

Autofin (1.72) (0.02) (0.13) (7.09) (0.10) (0.63)

Banco Wal-Mart (27.82) (20.45) (20.00) (47.79) (48.13) (48.27)

Banco Amigo (10.28) (5.84) (4.30) (19.51) (17.41) (13.60)

Volkswagen Bank (1.51) (1.53) (0.51) (5.15) (6.22) (2.02)

The Bank of New York Mellon 0.05 1.36 1.67 0.05 1.47 1.81

Banco Fácil (17.69) (17.46) (18.88) (37.05) (27.22) (29.03)

ROA 12 meses (1) ROE 12 meses (2)


(1) Resultado neto acumulado en doce meses. / Activo Total ajustado por las operaciones de Reporto promedio doce meses (2) Resultado neto acumulado en doce meses / Capital contable promedio doce meses * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.

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IMOR 1/ ICOR 2/ EPRC / Cartera Total 3/

Ago. Jul. Ago. Ago. Jul. Ago. Ago. Jul. Ago. Ago. Jul. Ago.

2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Cartera Total

Porcentajes

Cartera de Crédito Total Diciembre 2008(Millones de pesos y porcentajes)

Total* 2,042,526.3 2,271,061.6 2,297,792.5 2.61 2.71 2.72 186.88 179.19 181.22 4.88 4.86 4.92

BBVA Bancomer 545,007.5 581,364.7 588,051.3 3.14 3.33 3.37 140.30 129.31 130.12 4.41 4.30 4.39

Banamex 343,152.3 359,099.1 359,480.5 1.60 1.63 1.62 240.14 266.54 270.04 3.84 4.33 4.38

Santander 210,747.9 297,477.8 301,242.7 1.52 2.27 2.25 335.75 178.58 179.77 5.11 4.06 4.05

Banorte 232,221.7 270,544.8 274,706.7 2.02 2.32 2.24 140.82 140.16 148.28 2.84 3.25 3.33

HSBC 159,089.7 181,621.0 183,778.1 3.80 2.52 2.80 166.20 220.18 201.58 6.32 5.56 5.65

Inbursa 176,179.7 153,378.1 154,920.5 1.98 4.04 3.73 515.80 336.02 365.82 10.21 13.57 13.64

Scotiabank 103,091.0 113,552.3 114,890.9 3.95 2.88 2.80 99.86 114.12 116.70 3.94 3.28 3.27

Deutsche Bank 549.2 568.3 731.6 0.00 0.00 0.00 0.00 0.00 0.00 0.53 0.53 0.52

ING 4,613.2 4,089.8 4,027.2 0.00 0.00 0.00 0.00 0.00 0.00 1.48 0.98 0.99

IXE 28,195.8 31,929.1 31,960.2 1.16 1.01 1.14 232.37 262.63 241.80 2.70 2.66 2.76

Interacciones 42,094.3 45,583.1 48,011.5 1.13 0.80 0.76 241.22 341.33 375.05 2.72 2.74 2.84

Banco del Bajío 61,138.2 65,408.2 64,944.7 2.94 3.07 2.99 86.54 87.37 91.76 2.54 2.68 2.74

Afirme 9,778.2 10,319.6 10,724.6 5.21 4.62 4.74 93.95 109.22 105.75 4.90 5.05 5.01

Bank of America 440.8 2,021.7 1,958.9 0.00 0.00 0.00 0.00 0.00 0.00 9.78 1.07 1.08

Banco Azteca 22,836.9 32,582.6 33,562.9 6.03 3.29 3.77 133.81 173.36 167.84 8.06 5.71 6.33

Banregio 18,604.9 21,432.7 22,706.9 2.61 1.87 1.76 195.44 188.57 194.07 5.09 3.53 3.42

J. P. Morgan 219.1 143.1 142.9 0.00 0.00 0.00 0.00 0.00 0.00 2.08 9.98 10.51

Banca Mifel 15,742.3 14,523.0 13,794.4 2.76 4.12 4.90 99.01 81.62 64.26 2.74 3.36 3.15

Invex 7,951.8 7,547.4 7,930.8 2.74 2.50 1.78 261.88 232.38 312.32 7.17 5.80 5.55

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 2,286.8 3,151.8 3,158.7 3.26 1.95 2.23 104.65 93.69 90.04 3.41 1.83 2.01

Banco Credit Suisse 0.0 0.0 5.7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50

CIBanco 498.4 2,493.9 2,741.5 0.00 0.05 0.05 0.00 1,000.00 1,000.00 0.55 0.66 0.66

Multiva 6,778.5 9,107.5 9,573.1 5.79 2.97 2.92 97.67 118.73 122.53 5.65 3.52 3.58

Bansí 6,055.9 6,130.3 6,501.3 2.83 3.19 3.07 300.74 292.41 286.29 8.51 9.33 8.79

American Express 8,328.4 7,522.8 7,491.7 8.14 4.47 4.38 169.31 297.95 305.19 13.79 13.31 13.37

Ve por Más 8,302.6 9,286.1 9,250.6 2.40 1.52 1.39 109.02 130.32 133.44 2.62 1.98 1.85

Compartamos 8,979.0 12,172.4 12,232.6 1.93 1.82 1.83 149.91 178.42 179.40 2.89 3.26 3.29

Banco Ahorro Famsa 9,763.4 11,246.6 11,542.5 12.58 14.23 13.71 132.23 130.61 133.79 16.63 18.59 18.35

Bancoppel 2,744.6 4,676.8 4,956.0 18.13 17.39 17.35 114.77 137.84 139.80 20.81 23.98 24.26

The Royal Bank of Scotland 246.0 706.4 950.7 0.04 0.01 0.01 1,000.00 1,000.00 1,000.00 2.81 3.01 2.73

Bank of Tokyo-Mitsubishi UFJ 1,634.8 1,224.2 1,147.0 0.00 0.00 0.00 0.00 0.00 0.00 2.89 6.08 6.48

UBS 0.0 0.0 85.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.90

Actinver 250.5 777.3 903.6 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.77 0.64

Inter Banco 956.4 147.6 185.0 0.52 4.43 3.60 743.04 126.40 129.61 3.88 5.60 4.67

Autofin 1,574.2 2,274.0 2,244.1 2.77 1.42 1.73 119.67 124.78 107.26 3.31 1.78 1.86

Banco Wal-Mart 424.4 1,822.3 1,897.9 2.58 2.36 2.60 302.63 285.27 296.02 7.82 6.74 7.69

Banco Amigo 234.1 2,160.8 2,319.7 13.44 4.20 4.24 68.10 134.37 120.35 9.15 5.65 5.10

Volkswagen Bank 1,640.9 2,885.4 2,954.5 2.95 3.12 3.20 159.85 169.78 153.58 4.71 5.29 4.91


Banco Fácil 172.5 88.8 84.2 0.00 0.00 0.00 0.00 0.00 0.00 25.11 21.96 21.28

1/ Cartera vencida / Cartera de crédito total. 2/ Estimaciones preventivas para riesgos crediticios / Cartera vencida (Para efectos de presentación se limita a 1,000% el cálculo). 3/ Estimaciones preventivas para riesgos crediticios / Cartera total. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.

13



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Cartera de Crédito al Consumo Diciembre 2008(Millones de pesos y porcentajes)

Cartera Total

Porcentajes

Total* 385,202.7 444,883.5 454,566.9 5.07 4.34 4.33 184.86 234.21 234.05 9.37 10.16 10.13

BBVA Bancomer 113,736.4 136,435.1 139,480.7 4.77 3.97 4.12 139.88 206.80 199.86 6.67 8.21 8.23

Banamex 93,651.5 107,927.9 110,896.3 3.81 4.29 4.17 201.00 213.50 217.62 7.66 9.17 9.07

Santander 41,592.4 46,185.9 47,333.7 3.63 2.84 2.56 468.75 574.27 629.46 17.02 16.29 16.14

Banorte 28,117.8 31,784.1 32,385.4 5.12 4.34 4.10 201.35 249.39 251.81 10.32 10.83 10.33

HSBC 28,922.2 30,363.1 30,381.5 6.84 4.27 4.30 164.30 278.03 276.07 11.25 11.86 11.88

Inbursa 9,853.0 10,099.6 10,272.5 4.00 2.55 2.51 305.03 513.10 552.59 12.21 13.11 13.90

Scotiabank 17,180.0 15,913.1 15,901.9 5.36 4.01 3.94 128.62 200.38 202.93 6.89 8.03 8.00

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 2,270.4 2,957.0 3,111.6 4.05 3.04 2.90 367.82 461.34 473.29 14.90 14.01 13.71

Interacciones 298.6 10.9 9.7 0.00 0.00 0.00 0.00 0.00 0.00 0.58 12.19 10.31

Banco del Bajío 456.6 451.2 454.4 5.11 3.45 3.19 164.64 348.85 373.21 8.41 12.04 11.92

Afirme 1,150.2 1,446.8 1,515.9 6.91 9.52 9.66 147.74 151.27 143.82 10.21 14.40 13.90

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 14,519.2 21,834.5 22,800.4 8.08 4.02 4.69 113.79 143.46 135.59 9.19 5.77 6.36

Banregio 779.5 927.7 910.3 6.91 2.96 2.68 178.56 340.73 387.68 12.34 10.08 10.37

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 54.3 41.4 39.6 0.00 0.00 0.00 0.00 0.00 0.00 4.81 10.71 12.09

Invex 767.4 516.0 508.7 18.28 10.78 10.38 173.09 188.39 191.83 31.64 20.31 19.92

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


CIBanco 8.3 102.5 117.9 0.00 1.18 1.10 0.00 202.10 213.87 0.89 2.38 2.35

Multiva 319.9 335.5 334.4 4.46 2.38 2.24 108.81 270.06 295.48 4.85 6.41 6.61

Bansí 20.1 19.0 22.1 0.00 0.00 0.00 0.00 0.00 0.00 7.55 8.23 12.85


Ve por Más 37.8 41.1 32.4 0.00 0.00 0.00 0.00 0.00 0.00 0.52 1.00 1.14

Compartamos 8,979.0 11,328.7 11,368.5 1.93 1.96 1.97 149.91 176.52 177.47 2.89 3.46 3.50


Bancoppel 2,744.6 4,463.9 4,714.6 18.13 18.22 18.24 114.77 127.70 129.24 20.81 23.27 23.57

The Royal Bank of Scotland 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Bank of Tokyo-Mitsubishi UFJ 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 179.1 339.0 351.7 0.00 0.00 0.00 0.00 0.00 0.00 0.50 1.12 0.87

Inter Banco 0.0 6.3 6.3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.49 0.61

Autofin 710.6 599.6 604.9 5.49 5.19 5.03 106.56 93.61 94.36 5.85 4.86 4.74

Banco Wal-Mart 124.0 798.1 884.1 8.84 4.43 4.65 272.46 309.81 319.59 24.09 13.72 14.87

Banco Amigo 29.2 3.4 3.9 0.00 0.00 0.00 0.00 0.00 0.00 4.83 15.79 22.35

Volkswagen Bank 1,640.9 2,885.4 2,954.5 2.95 3.12 3.20 157.48 169.78 153.58 4.64 5.29 4.91


Banco Fácil 172.5 88.8 84.2 0.00 0.00 0.00 0.00 0.00 0.00 25.11 21.96 21.28

1/ Cartera vencida / Cartera de crédito total. 2/ Estimaciones preventivas para riesgos crediticios / Cartera vencida (Para efectos de presentación se limita a 1,000% el cálculo). 3/ Para el segmento de tarjeta de crédito, a partir de septiembre de 2009 se refiere a la aplicación de la metodología de calificación y aprovisionamiento vigente que considera la probabilidad

de incumplimiento, la severidad de la pérdida y la exposición al incumplimiento. Para el resto de la cartera de consumo, a partir de marzo de 2011 aplica la mencionada metodología.. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.

Pérdida Esperada 3/

14



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Porcentajes


Tarjeta de Crédito

Total* 209,490.3 221,903.8 225,304.8 6.11 5.41 5.23 206.56 244.08 250.21 12.62 13.19 13.08

BBVA Bancomer 69,431.3 78,369.3 79,583.2 6.08 5.23 5.19 146.11 185.21 185.49 8.88 9.69 9.63

Banamex 62,928.1 66,091.4 67,145.3 4.34 4.80 4.60 211.04 229.73 239.85 9.16 11.03 11.02

Santander 25,340.0 26,083.2 26,906.0 4.28 3.14 2.77 588.01 731.81 809.59 25.17 22.98 22.46

Banorte 12,363.6 11,919.5 12,051.3 9.59 9.05 8.51 190.29 201.41 196.45 18.25 18.22 16.72

HSBC 18,268.1 17,028.0 16,744.8 8.92 6.16 5.90 164.52 255.64 273.05 14.68 15.74 16.11

Inbursa 2,342.3 1,989.2 1,995.8 5.38 5.60 5.15 266.88 227.23 238.69 14.36 12.72 12.28

Scotiabank 4,163.7 4,030.1 4,040.4 7.35 6.82 6.61 169.78 193.32 200.57 12.48 13.19 13.26

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 2,092.1 2,623.8 2,760.5 3.87 2.97 2.84 411.64 490.83 503.86 15.92 14.58 14.31

Interacciones 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco del Bajío 103.1 110.8 115.2 6.88 6.03 5.50 252.48 341.78 360.90 17.37 20.63 19.85

Afirme 165.8 172.5 182.9 17.65 11.70 11.41 141.95 168.79 178.60 25.05 19.75 20.39

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 85.0 58.8 60.5 0.00 0.00 0.00 0.00 0.00 0.00 38.28 55.10 54.43

Banregio 199.8 216.4 222.2 5.94 2.73 2.04 265.88 577.75 771.96 15.80 15.79 15.75

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 7.4 9.5 9.7 0.00 0.00 0.00 0.00 0.00 0.00 13.65 26.48 27.12

Invex 767.4 508.0 500.7 18.28 10.95 10.55 173.09 188.32 191.75 31.64 20.62 20.23

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


CIBanco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Multiva 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Bansí 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Ve por Más 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Ahorro Famsa 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Bancoppel 2,744.1 4,453.7 4,699.2 18.14 18.27 18.29 114.77 127.62 129.13 20.82 23.31 23.62



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Autofin 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Wal-Mart 123.9 798.1 884.1 8.79 4.43 4.65 273.86 309.81 319.59 24.07 13.72 14.87

Banco Amigo 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 172.5 88.8 84.2 0.00 0.00 0.00 0.00 0.00 0.00 25.11 21.96 21.28

1/ Cartera vencida / Cartera de crédito total. 2/ Estimaciones preventivas para riesgos crediticios / Cartera vencida (Para efectos de presentación se limita a 1,000% el cálculo). 3/ A partir de septiembre de 2009 se refiere a la aplicación de la metodología de calificación y aprovisionamiento vigente que considera la probabilidad de incumplimiento, la severidad de

la pérdida y la exposición al incumplimiento. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.


15



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Porcentajes


Consumo No Revolvente1/

Total* 175,712.4 222,979.7 229,262.1 3.83 3.27 3.45 143.59 217.99 209.94 5.50 7.13 7.23

BBVA Bancomer 44,305.1 58,065.8 59,897.5 2.7 2.3 2.7 118.0 274.0 236.7 3.2 6.2 6.4

Banamex 30,723.5 41,836.6 43,751.1 2.7 3.5 3.5 168.2 178.3 172.9 4.6 6.2 6.1

Santander 16,252.4 20,102.6 20,427.7 2.6 2.4 2.3 164.3 311.5 341.4 4.3 7.6 7.8

Banorte 15,754.2 19,864.6 20,334.1 1.6 1.5 1.5 252.8 420.8 439.2 4.1 6.4 6.5

HSBC 10,654.1 13,335.1 13,636.6 3.3 1.9 2.3 163.3 373.0 285.4 5.4 6.9 6.7

Inbursa 7,510.8 8,110.4 8,276.7 3.6 1.8 1.9 322.9 730.0 759.7 11.5 13.2 14.3

Scotiabank 13,016.3 11,882.9 11,861.5 4.7 3.1 3.0 108.1 205.7 204.7 5.1 6.3 6.2

Deutsche Bank 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

ING 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

IXE 178.3 333.3 351.1 6.2 3.6 3.3 47.7 267.6 268.7 3.0 9.5 9.0

Interacciones 298.6 10.9 9.7 0.0 0.0 0.0 0.0 0.0 0.0 0.6 12.2 10.3

Banco del Bajío 353.5 340.3 339.2 4.6 2.6 2.4 126.2 354.2 382.7 5.8 9.2 9.2

Afirme 984.4 1,274.2 1,333.0 5.1 9.2 9.4 151.1 148.3 138.0 7.7 13.7 13.0

Bank of America 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Banco Azteca 14,434.2 21,775.7 22,739.9 7.9 3.9 4.6 113.7 144.1 136.2 9.0 5.6 6.2

Banregio 579.8 711.3 688.2 7.2 3.0 2.9 153.9 275.6 299.8 11.2 8.3 8.6

J. P. Morgan 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Banca Mifel 46.9 31.9 29.9 0.0 0.0 0.0 0.0 0.0 0.0 3.4 6.0 7.2

Invex 0.0 8.0 8.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.5 0.5

Barclays 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Monex 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0


CIBanco 8.3 102.5 117.9 0.0 1.2 1.1 0.0 202.1 213.9 0.9 2.4 2.4

Multiva 319.9 335.5 334.4 4.5 2.4 2.2 108.8 270.1 295.5 4.9 6.4 6.6

Bansí 20.1 19.0 22.1 0.0 0.0 0.0 0.0 0.0 0.0 7.6 8.2 12.8

American Express 136.2 170.2 172.8 0.3 0.0 0.0 300.6 0.0 1,000.0 0.9 3.4 3.3

Ve por Más 37.8 41.1 32.4 0.0 0.0 0.0 0.0 0.0 0.0 0.5 1.0 1.1

Compartamos 8,979.0 11,328.7 11,368.5 1.9 2.0 2.0 149.9 176.5 177.5 2.9 3.5 3.5


Bancoppel 0.5 10.2 15.4 0.0 0.0 0.0 0.0 0.0 0.0 1.1 7.1 9.0



UBS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Actinver 179.1 339.0 351.7 0.0 0.0 0.0 0.0 0.0 0.0 0.5 1.1 0.9

Inter Banco 0.0 6.3 6.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.5 0.6

Autofin 710.6 599.6 604.9 5.5 5.2 5.0 106.6 93.6 94.4 5.8 4.9 4.7

Banco Wal-Mart 0.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 61.3 0.0 0.0

Banco Amigo 29.2 3.4 3.9 0.0 0.0 0.0 0.0 0.0 0.0 4.8 15.8 22.3

Volkswagen Bank 1,640.9 2,885.4 2,954.5 2.9 3.1 3.2 157.5 169.8 153.6 4.6 5.3 4.9


Banco Fácil 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1/ Incluye: Créditos personales, crédito automotriz, crédito para la aduisición de bienes muebles, arrendamiento capitalizable y otros créditos al consumo. 2/ Cartera vencida / Cartera de crédito total. 3/ Estimaciones preventivas para riesgos crediticios / Cartera vencida (Para efectos de presentación se limita a 1,000% el cálculo). 4/ A partir de marzo de 2011 se refiere a la aplicación de la metodología de calificación y aprovisionamiento vigente que considera la probabilidad de incumplimiento, la severidad de la

pérdida y la exposición al incumplimiento. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis.

Pérdida Esperada 4/IMOR 2/ ICOR 3/

16



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Porcentajes


Créditos Personales

Total* 107,018.2 145,229.1 150,758.1 4.34 3.81 3.95 150.47 223.19 217.52 6.53 8.51 8.58

BBVA Bancomer 26,724.7 35,827.3 37,286.3 3.03 2.87 3.42 128.45 290.89 249.74 3.90 8.36 8.54

Banamex 30,305.0 41,278.9 43,160.1 2.71 3.44 3.40 166.81 180.53 176.09 4.52 6.21 5.99

Santander 15,993.9 19,969.9 20,305.7 2.35 2.33 2.19 168.03 322.44 353.33 3.96 7.53 7.73

Banorte 7,752.4 11,080.9 11,438.7 1.87 1.79 1.68 192.91 403.91 445.07 3.61 7.25 7.49

HSBC 5,499.6 9,517.1 9,934.4 3.30 1.41 1.95 168.66 560.45 388.12 5.57 7.89 7.58

Inbursa 1,354.0 1,675.1 1,741.2 12.00 7.09 7.49 533.51 367.69 427.99 64.02 26.08 32.06

Scotiabank 2,234.7 2,245.6 2,245.0 9.42 8.10 8.32 71.21 213.57 208.13 6.71 17.29 17.31

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 135.4 284.9 300.6 1.96 1.64 1.50 199.60 675.68 695.99 3.90 11.11 10.44

Interacciones 291.5 5.8 5.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19.45 3.74

Banco del Bajío 65.1 111.7 113.9 14.30 4.09 3.89 102.87 217.85 194.46 14.71 8.90 7.56

Afirme 768.4 1,159.3 1,218.9 4.67 9.55 9.78 162.54 148.78 139.81 7.58 14.21 13.68

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 6,555.8 11,686.1 12,462.7 9.80 2.48 2.93 112.59 225.00 208.27 11.03 5.59 6.10

Banregio 353.7 337.4 332.0 7.02 2.44 1.99 136.52 493.31 588.51 9.58 12.01 11.68

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Invex 0.0 8.0 8.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


CIBanco 2.4 9.3 9.4 0.00 0.00 0.00 0.00 0.00 0.00 0.81 2.73 2.70

Multiva 247.5 255.1 254.5 4.54 1.94 2.06 108.35 328.74 306.42 4.91 6.39 6.31

Bansí 0.2 0.3 0.2 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10.87 3.17

American Express 136.2 170.2 172.8 0.29 0.00 0.00 300.61 0.00 1,000.00 0.87 3.40 3.34

Ve por Más 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Bancoppel 0.5 10.2 15.4 0.00 0.00 0.00 0.00 0.00 0.00 1.12 7.06 8.95



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 179.1 339.0 351.7 0.00 0.00 0.00 0.00 0.00 0.00 0.50 1.12 0.87

Inter Banco 0.0 6.3 6.3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.49 0.61

Autofin 6.7 0.9 1.7 0.00 0.00 0.00 0.00 0.00 0.00 35.97 45.24 21.95

Banco Wal-Mart 0.1 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 61.33 0.00 0.00

Banco Amigo 29.2 3.4 3.9 0.00 0.00 0.00 0.00 0.00 0.00 4.83 15.79 22.35

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1/ Cartera vencida / Cartera de crédito total. 2/ Estimaciones preventivas para riesgos crediticios / Cartera vencida (Para efectos de presentación se limita a 1,000% el cálculo). 3/ A partir de marzo de 2011 se refiere a la aplicación de la metodología de calificación y aprovisionamiento vigente que considera la probabilidad de incumplimiento, la severidad de la



17



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Porcentajes


Automotriz

Total* 51,849.6 56,175.7 56,646.8 2.67 1.71 1.84 128.00 263.36 245.75 3.42 4.51 4.51

BBVA Bancomer 17,580.4 22,238.5 22,611.2 2.23 1.29 1.49 96.40 213.47 187.48 2.15 2.75 2.80

Banamex 418.1 557.7 590.9 3.24 7.43 11.14 254.86 101.41 101.77 8.27 7.54 11.34

Santander 258.5 132.8 122.0 18.78 18.83 18.51 135.68 108.05 106.03 25.48 20.35 19.63

Banorte 8,001.8 8,764.2 8,877.1 1.37 1.15 1.23 331.85 459.29 432.77 4.56 5.30 5.31

HSBC 5,089.2 3,558.6 3,417.1 3.13 2.73 3.14 157.78 131.81 116.11 4.94 3.60 3.65

Inbursa 6,156.7 6,435.2 6,535.4 1.72 0.43 0.38 0.00 1,000.00 1,000.00 0.00 9.85 9.55

Scotiabank 10,743.1 9,637.4 9,616.5 3.68 1.88 1.80 127.52 197.86 200.97 4.69 3.72 3.62

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 6.7 6.3 6.6 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.59 1.61

Interacciones 5.2 5.1 4.7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.90 17.34

Banco del Bajío 229.4 228.6 225.3 2.40 1.89 1.66 153.86 498.47 604.84 3.69 9.40 10.07

Afirme 0.0 111.5 110.8 0.00 5.84 5.51 0.00 138.61 103.77 0.00 8.09 5.72

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 558.2 288.7 254.7 5.53 6.67 8.38 0.00 73.84 75.38 0.00 4.92 6.32

Banregio 207.9 373.6 355.5 4.66 3.48 3.52 216.08 142.13 159.13 10.08 4.94 5.60

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 46.9 31.9 29.9 0.00 0.00 0.00 0.00 0.00 0.00 3.42 6.01 7.18

Invex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


CIBanco 5.9 93.2 108.5 0.00 1.30 1.20 0.00 181.15 194.33 0.92 2.35 2.32

Multiva 37.5 31.8 31.7 0.00 0.00 0.00 0.00 0.00 0.00 8.15 5.44 5.44

Bansí 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

American Express 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Ve por Más 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Bancoppel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Autofin 686.6 586.6 591.3 5.21 4.84 4.68 104.69 90.18 91.11 5.45 4.36 4.27

Banco Wal-Mart 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Amigo 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Volkswagen Bank 1,640.9 2,885.4 2,954.5 2.95 3.12 3.20 157.48 169.78 153.58 4.64 5.29 4.91


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00




18



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Porcentajes


Adquisición de Bienes Muebles1/ IMOR 2/ ICOR 3/ EPRC / Cartera total 4/

Total* 7,595.1 6,044.4 6,100.8 6.53 5.08 5.92 122.55 92.54 87.66 8.01 4.71 5.19

BBVA Bancomer 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banamex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Santander 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banorte 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

HSBC 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inbursa 0.1 0.1 0.1 0.00 0.00 0.00 0.00 0.00 0.00 100.00 100.00 100.00

Scotiabank 38.5 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 25.49 0.00 0.00

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Interacciones 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco del Bajío 0.2 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Afirme 216.0 3.3 3.3 0.00 0.00 0.00 0.00 0.00 0.00 8.14 11.54 10.27

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 7,320.2 6,017.2 6,070.2 6.46 5.09 5.93 122.54 92.19 87.03 7.91 4.69 5.16

Banregio 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 45.27 0.00 0.00

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Invex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


CIBanco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Multiva 0.2 5.1 5.3 0.00 0.00 0.00 0.00 0.00 0.00 0.50 1.52 1.77

Bansí 19.9 18.7 21.9 0.00 0.00 0.00 0.00 0.00 0.00 7.64 8.19 12.96


Ve por Más 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Bancoppel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Autofin 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 100.00 0.00 0.00

Banco Wal-Mart 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Amigo 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

1/ Incluye Arrendamiento Capitalizable 2/ Cartera vencida / Cartera de crédito total. 3/ Estimaciones preventivas para riesgos crediticios / Cartera vencida (Para efectos de presentación se limita a 1,000% el cálculo). 4/ A partir de marzo de 2011 se refiere a la aplicación de la metodología de calificación y aprovisionamiento vigente que considera la probabilidad de incumplimiento, la severidad de la


19



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Porcentajes


Otros Créditos al Consumo

Total* 9,249.5 15,530.5 15,756.4 2.17 3.14 3.48 144.35 148.30 140.37 3.14 4.65 4.89

BBVA Bancomer 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banamex 0.4 0.0 0.1 0.00 0.00 0.00 0.00 0.00 0.00 100.00 100.00 100.00

Santander 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banorte 0.0 19.6 18.3 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14.95 14.42

HSBC 65.3 259.4 285.2 13.88 6.15 6.38 151.92 266.22 189.12 21.09 16.36 12.07

Inbursa 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Scotiabank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 36.1 42.0 43.9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Interacciones 1.9 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 89.41 0.00 0.00

Banco del Bajío 58.8 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 4.15 0.00 0.00

Afirme 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 0.0 3,783.7 3,952.4 0.00 6.24 7.43 0.00 117.69 111.23 0.00 7.35 8.26

Banregio 18.1 0.3 0.7 0.00 0.00 0.00 0.00 0.00 0.00 54.05 100.00 100.00

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Invex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


CIBanco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Multiva 34.7 43.4 42.9 0.00 0.00 0.00 0.00 0.00 0.00 0.90 7.87 9.91

Bansí 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Ve por Más 37.8 41.1 32.4 0.00 0.00 0.00 0.00 0.00 0.00 0.52 1.00 1.14

Compartamos 8,979.0 11,328.7 11,368.5 1.93 1.96 1.97 149.91 176.52 177.47 2.89 3.46 3.50


Bancoppel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Autofin 17.3 12.2 11.9 0.00 0.00 0.00 0.00 0.00 0.00 9.66 25.96 26.02

Banco Wal-Mart 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Amigo 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00




20



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Cartera Total

Porcentajes

Cartera de Crédito a la Vivienda (Millones de pesos y porcentajes)

Total* 353,638.1 397,298.2 399,874.2 4.26 4.36 4.44 89.65 54.23 54.11 3.82 2.37 2.40

BBVA Bancomer 141,505.4 143,509.1 144,487.2 4.43 4.59 4.86 126.22 56.23 57.11 5.59 2.58 2.77

Banamex 48,150.0 54,510.9 55,035.3 2.54 1.30 1.24 51.86 150.91 143.58 1.32 1.96 1.78

Santander 31,963.8 61,505.0 61,798.2 1.95 6.03 6.10 67.62 43.95 43.52 1.32 2.65 2.66

Banorte 52,478.0 58,194.9 58,720.0 1.47 1.35 1.34 78.68 90.88 94.51 1.16 1.23 1.26

HSBC 21,584.3 19,859.0 19,688.2 10.27 9.61 9.43 65.95 43.44 43.81 6.77 4.18 4.13

Inbursa 1,269.3 1,314.4 1,301.0 8.82 7.15 6.59 126.86 141.30 107.12 11.19 10.10 7.06

Scotiabank 42,729.2 43,839.3 44,103.1 6.35 5.40 5.30 46.14 34.28 34.40 2.93 1.85 1.82

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 1,144.7 1,124.5 1,128.1 1.89 2.24 2.91 69.73 38.23 36.60 1.32 0.86 1.06

Interacciones 155.1 191.9 195.6 6.80 5.91 5.77 84.10 51.65 53.37 5.72 3.05 3.08

Banco del Bajío 6,120.5 6,465.2 6,439.9 8.73 9.12 9.35 73.51 51.56 51.82 6.42 4.70 4.85

Afirme 1,394.7 1,315.3 1,306.5 10.83 12.30 12.65 62.75 30.01 28.32 6.79 3.69 3.58

Bank of America 6.7 4.8 5.0 0.00 0.00 0.00 0.00 0.00 0.00 0.35 0.35 0.35

Banco Azteca 808.5 697.8 687.9 17.71 15.95 16.73 264.81 25.90 25.18 46.90 4.13 4.21

Banregio 3,085.9 3,492.9 3,505.4 5.77 4.87 4.69 76.26 53.16 57.77 4.40 2.59 2.71

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 712.3 852.6 874.2 10.24 12.56 12.45 33.73 12.91 12.27 3.45 1.62 1.53

Invex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 187.0 272.7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.34 0.39


CIBanco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Multiva 8.1 10.0 9.8 0.00 0.00 0.00 0.00 0.00 0.00 0.35 0.11 0.10

Bansí 18.2 16.2 16.0 0.00 0.00 0.00 0.00 0.00 0.00 0.99 0.46 1.13


Ve por Más 9.0 7.8 7.9 0.00 0.00 0.00 0.00 0.00 0.00 0.99 0.09 0.83

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Bancoppel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 476.5 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 1.55 0.00 0.00

Autofin 7.3 11.1 11.0 0.00 0.00 0.00 0.00 0.00 0.00 1.47 1.64 2.87

Banco Wal-Mart 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Amigo 6.2 174.9 262.4 0.00 0.00 0.00 0.00 0.00 0.00 0.49 6.21 1.08

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00




21



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Cartera Total

Porcentajes

Cartera de Crédito a Empresas (Millones de pesos y porcentajes)

Total* 938,378.6 1,048,377.0 1,062,080.4 2.00 2.37 2.33 192.86 171.93 175.44 3.85 4.08 4.09

BBVA Bancomer 204,664.3 210,024.8 210,404.5 2.65 3.48 3.35 83.15 73.73 79.12 2.20 2.57 2.65

Banamex 131,852.4 145,731.4 147,733.5 0.53 0.34 0.36 405.08 627.76 598.11 2.13 2.15 2.16

Santander 120,296.8 154,371.7 156,026.0 0.89 1.13 1.15 170.76 139.81 136.86 1.52 1.58 1.58

Banorte 101,320.5 119,173.3 120,819.7 2.44 3. 44 3.35 101.59 95.00 96.68 2.48 3.27

3.24

HSBC 72,616.6 98,754.5 101,988.2 2.55 1.40 1.94 202.73 292.36 210.76 5.17 4.08 4.10

Inbursa 136,136.9 122,703.2 124,020.8 2.19 4.75 4.26 503.56 305.81 339.84 11.02 14.53 14.48

Scotiabank 34,549.2 38,717.8 39,688.9 1.26 0.56 0.55 261.26 496.06 493.86 3.29 2.80 2.69

Deutsche Bank 549.2 568.3 731.6 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50

ING 3,949.8 3,868.6 3,811.4 0.00 0.00 0.00 0.00 0.00 0.00 1.23 0.84 0.85

IXE 17,451.1 20,829.4 20,682.6 1.23 0.97 1.14 165.27 178.14 160.06 2.03 1.73 1.83

Interacciones 9,980.7 9,293.0 9,355.0 4.64 3.75 3.71 116.83 170.89 173.22 5.43 6.41 6.43

Banco del Bajío 37,452.1 42,717.2 42,595.4 3.30 3.28 3.11 62.85 87.44 94.55 2.08 2.87 2.94

Afirme 5,243.3 5,339.9 5,871.0 5.32 3.32 3.35 79.38 98.92 102.12 4.22 3.29 3.42

Bank of America 358.2 1,832.8 1,769.9 0.00 0.00 0.00 0.00 0.00 0.00 9.91 1.03 1.05

Banco Azteca 7,509.1 10,050.3 10,074.6 0.79 0.83 0.82 213.06 231.46 242.58 1.69 1.93 1.99

Banregio 13,869.8 16,503.6 17,712.3 1.82 1.23 1.20 265.45 256.82 253.34 4.82 3.17 3.03

J. P. Morgan 170.7 143.1 142.9 0.00 0.00 0.00 0.00 0.00 0.00 2.10 8.90 8.92

Banca Mifel 9,329.5 9,324.8 9,268.7 3.80 5.02 5.86 59.61 59.54 49.83 2.26 2.99 2.92

Invex 5,655.9 5,719.9 6,077.3 1.37 2.32 1.45 408.85 242.04 371.36 5.61 5.62 5.38

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 2,108.6 2,558.0 2,393.4 3.53 2.41 2.95 102.54 73.62 70.93 3.62 1.77 2.09


CIBanco 311.1 1,482.1 1,487.3 0.00 0.00 0.00 0.00 0.00 0.00 0.54 0.56 0.52

Multiva 6,183.0 7,288.5 7,339.4 6.11 3.60 3.71 93.52 87.67 84.65 5.72 3.16 3.14

Bansí 5,133.6 4,937.8 5,024.4 3.32 3.95 3.95 289.30 282.74 276.20 9.61 11.16 10.92


Ve por Más 6,871.0 6,902.2 6,921.8 2.88 2.03 1.84 90.66 105.73 100.03 2.61 2.15 1.84

Compartamos 0.0 843.7 864.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50

Banco Ahorro Famsa 1,044.6 1,550.3 1,701.6 0.02 0.58 0.52 1,000.00 206.40 208.76 2.64 1.19 1.08

Bancoppel 0.0 212.9 241.4 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.99 0.98

The Royal Bank of Scotland 246.0 554.5 845.8 0.03 0.00 0.00 1,000.00 1,000.00 1,000.00 0.65 3.51 2.91

Bank of Tokyo-Mitsubishi UFJ 1,634.8 1,224.2 1,147.0 0.00 0.00 0.00 0.00 0.00 0.00 2.87 6.01 6.42

UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 71.4 438.3 551.8 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50

Inter Banco 479.9 141.3 178.7 0.01 4.63 3.70 1,000.00 125.92 130.28 6.18 5.83 4.81

Autofin 839.4 1,628.8 1,598.7 0.47 0.03 0.27 259.92 1,000.00 260.20 1.23 0.63 0.70

Banco Wal-Mart 300.4 1,024.2 1,013.8 0.00 0.76 0.81 1,000.00 126.13 125.30 0.65 0.95 1.01

Banco Amigo 198.7 1,922.6 1,991.3 15.23 4.72 4.93 64.90 117.62 111.54 9.88 5.55 5.50

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


22



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Cartera Total

Porcentajes

Cartera de Crédito a Entidades Financieras (Millones de pesos y porcentajes)

Total* 69,437.2 66,238.2 58,568.0 0.00 0.12 0.38 1,000.00 1,000.00 592.71 3.01 2.24 2.22

BBVA Bancomer 8,459.5 7,712.4 7,668.2 0.00 0.10 0.08 1,000.00 1,000.00 1,000.00 0.81 1.17 1.18

Banamex 15,702.4 14,641.7 10,020.9 0.00 0.00 0.00 0.00 0.00 0.00 1.95 1.79 2.45

Santander 4,193.0 4,602.5 3,483.1 0.00 0.00 0.00 0.00 0.00 0.00 3.90 6.09 8.00

Banorte 6,111.7 7,890.2 7,663.4 0.00 0.00 0.00 0.00 0.00 0.00 0.86 0.80 0.80

HSBC 11,743.9 7,405.9 6,165.2 0.00 0.00 0.00 0.00 0.00 0.00 1.97 3.91 2.17

Inbursa 9,224.9 7,762.7 7,695.4 0.00 0.14 1.96 0.00 1,000.00 202.76 11.12 4.02 3.97

Scotiabank 2,562.2 4,757.1 4,671.6 0.00 0.90 0.83 0.00 180.95 185.91 5.01 1.63 1.54

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 663.5 221.2 215.7 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.50 0.50

IXE 2,524.7 3,615.9 3,166.2 0.00 0.16 0.18 0.00 637.25 631.61 0.86 1.01 1.15

Interacciones 481.0 153.1 150.4 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.98 0.99

Banco del Bajío 2,630.9 1,896.0 1,571.7 0.00 0.00 0.00 0.00 0.00 0.00 1.86 1.44 1.71

Afirme 224.2 18.8 16.3 0.00 0.00 0.00 0.00 0.00 0.00 0.96 0.50 0.50

Bank of America 76.0 184.0 184.0 0.00 0.00 0.00 0.00 0.00 0.00 9.99 1.46 1.39

Banco Azteca 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banregio 408.3 86.5 192.6 0.00 0.00 0.00 0.00 0.00 0.00 0.90 0.50 0.58

J. P. Morgan 48.4 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 1.00 0.00 0.00

Banca Mifel 672.0 550.4 518.4 0.02 2.26 2.74 1,000.00 44.02 64.10 0.47 1.00 1.75

Invex 1,528.5 1,311.5 1,344.8 0.00 0.00 0.00 0.00 0.00 0.00 0.64 0.84 0.81

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 178.2 324.5 403.7 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.64 0.61


CIBanco 179.0 909.2 1,136.4 0.00 0.00 0.00 0.00 0.00 0.00 0.50 0.56 0.59

Multiva 267.5 369.2 379.6 0.00 0.00 0.00 0.00 0.00 0.00 0.18 1.11 1.25

Bansí 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Ve por Más 1,384.8 1,503.1 1,514.8 0.09 0.05 0.05 597.14 1,000.00 1,000.00 0.54 0.64 0.61

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Bancoppel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



UBS 0.0 0.0 85.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.90

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Autofin 16.9 34.5 29.5 0.00 0.00 0.00 0.00 0.00 0.00 0.65 2.42 5.08

Banco Wal-Mart 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Amigo 0.0 59.9 62.1 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.67 1.96

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


23



2010 2011 2011 2010 2011 2011 2010 2011 2011 2010 2011 2011

Cartera Total

Porcentajes

Cartera de Crédito a Entidades Gubernamentales (Millones de pesos y porcentajes)

Total* 295,869.7 314,264.7 322,702.9 0.00 0.00 0.00 1,000.00 1,000.00 1,000.00 1.11 1.55 1.84

BBVA Bancomer 76,641.9 83,683.2 86,010.7 0.01 0.00 0.00 1,000.00 1,000.00 0.00 0.71 0.66 0.77

Banamex 53,796.0 36,287.1 35,794.4 0.00 0.00 0.00 1,000.00 1,000.00 1,000.00 0.91 1.65 2.00

Santander 12,702.0 30,812.8 32,601.8 0.00 0.00 0.00 0.00 1,000.00 0.00 0.51 0.58 0.56

Banorte 44,193.8 53,502.4 55,118.3 0.00 0.00 0.00 0.00 0.00 0.00 0.84 0.94 1.67

HSBC 24,222.6 25,238.6 25,555.0 0.00 0.00 0.00 0.00 0.00 0.00 1.15 3.07 4.13

Inbursa 19,695.5 11,498.2 11,630.9 0.00 0.00 0.00 0.00 0.00 0.00 2.32 9.79 9.74

Scotiabank 6,070.4 10,325.0 10,525.3 0.00 0.00 0.00 0.00 0.00 0.00 0.62 0.58 0.59

Deutsche Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

ING 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

IXE 4,805.0 3,402.2 3,871.6 0.00 0.00 0.00 0.00 0.00 0.00 0.55 0.63 0.59

Interacciones 31,178.9 35,934.3 38,300.7 0.00 0.01 0.01 1,000.00 1,000.00 1,000.00 1.87 1.76 1.94

Banco del Bajío 14,478.2 13,878.6 13,883.2 0.00 0.00 0.00 0.00 0.00 0.00 1.32 0.88 0.88

Afirme 1,765.9 2,198.8 2,014.9 0.00 0.00 0.00 0.00 0.00 0.00 1.08 2.32 1.85

Bank of America 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Azteca 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banregio 461.3 421.9 386.1 0.15 0.00 0.00 1,000.00 0.00 0.00 4.08 3.71 3.78

J. P. Morgan 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banca Mifel 4,974.2 3,753.8 3,093.5 0.00 0.00 0.00 0.00 0.00 0.00 3.59 4.68 4.11

Invex 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Barclays 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Monex 0.0 82.4 88.9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3.91 4.32


CIBanco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Multiva 0.0 1,104.5 1,509.9 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2.74 5.21

Bansí 883.9 1,157.3 1,438.8 0.00 0.00 0.00 0.00 0.00 0.00 1.99 1.50 1.20


Ve por Más 0.0 831.9 773.8 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1.53 3.88

Compartamos 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Bancoppel 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00



UBS 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Actinver 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Inter Banco 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Autofin 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Wal-Mart 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Banco Amigo 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Volkswagen Bank 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


Banco Fácil 0.0 0.0 0.0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00


24

Ago. 2010 Jul. 2011 Ago. 2011 Ago. 2010 Jul. 2011 Ago. 2011 Ago. 2010 Jul. 2011 Ago. 2011

Total* 2,492,127.9 2,766,968.0 2,787,922.1 1,235,620.3 1,412,792.1 1,426,084.3 971,627.7 947,159.8 964,832.3

BBVA Bancomer 608,802.5 638,357.7 665,686.0 349,619.2 389,689.3 397,619.3 184,131.3 176,778.0 182,010.7

Banamex 467,311.5 507,878.2 502,519.9 270,420.5 307,067.0 304,675.0 143,469.0 113,749.0 116,063.9

Santander 269,453.7 338,242.4 356,123.1 129,645.4 159,618.9 161,993.5 114,583.4 138,160.0 158,311.2

Banorte 272,343.4 297,308.3 290,733.1 124,177.3 142,706.3 145,481.2 136,266.5 141,663.7 133,005.1

HSBC 249,208.6 307,767.6 308,874.8 130,467.5 155,540.9 157,272.6 101,260.8 118,758.3 119,546.9

Inbursa 153,996.0 134,541.3 128,824.9 49,196.6 49,728.8 49,941.6 91,722.1 41,917.5 38,871.3

Scotiabank 116,811.9 125,761.4 125,762.3 57,240.2 61,025.1 61,563.4 51,162.3 53,713.0 53,069.7

Deutsche Bank 1,886.5 3,879.8 5,221.1 0.0 0.0 0.0 0.0 944.1 2,010.6

ING 6,765.4 5,352.3 4,214.5 0.0 0.0 0.0 5,433.4 4,804.5 3,816.3

IXE 35,976.5 37,529.2 38,159.2 8,273.4 13,758.4 13,693.4 19,854.8 17,777.4 17,465.2

Interacciones 42,175.7 45,762.0 47,836.2 4,647.6 9,349.8 10,811.8 28,041.3 21,444.3 21,680.2

Banco del Bajío 62,350.4 65,633.3 64,799.9 16,728.4 18,158.5 17,516.8 29,205.7 32,090.6 31,778.7

Afirme 12,082.2 14,564.3 14,562.2 6,357.9 7,696.1 7,540.6 5,566.0 6,771.2 6,898.9

Bank of America 17,652.2 26,379.4 27,234.8 2,247.3 2,965.0 2,567.3 75.2 159.9 210.9

Banco Azteca 51,223.0 53,119.9 53,851.2 48,642.3 50,700.1 51,323.0 2,446.0 2,114.7 2,201.7

Banregio 17,251.8 18,877.7 20,028.7 7,877.2 8,528.2 8,827.3 8,544.4 9,503.3 10,085.0

J. P. Morgan 1,324.9 4,498.6 1,277.4 657.2 855.8 676.2 0.0 0.0 0.0

Banca Mifel 18,306.8 22,347.8 20,108.2 2,835.7 5,535.4 5,738.8 9,347.0 13,169.6 10,693.3

Invex 9,832.8 10,987.1 11,672.0 136.8 336.2 440.3 6,981.4 8,465.3 8,942.5

Barclays 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Monex 4,929.4 5,332.7 4,129.8 2,451.4 2,489.5 2,391.5 124.6 481.8 571.3

Banco Credit Suisse 961.9 11,786.4 3,541.4 0.0 0.0 0.0 836.6 688.6 837.1

CIBanco 4,275.8 8,742.2 8,333.4 104.4 251.8 359.4 4,003.8 8,451.0 7,933.2

Multiva 8,066.1 12,192.4 13,881.6 819.9 1,419.7 1,297.7 6,179.9 8,971.7 10,259.4

Bansí 5,485.9 5,732.3 6,000.5 614.7 531.6 609.6 3,735.9 4,138.4 4,431.4

American Express 10,891.1 11,227.0 11,231.4 1,356.5 1,434.3 1,382.3 5,354.6 5,408.4 5,444.8

Ve por Más 10,920.2 11,874.2 11,196.3 4,736.9 4,963.6 4,748.6 2,375.9 2,859.6 2,869.0

Compartamos 4,554.2 6,312.0 6,333.7 0.0 0.1 0.9 431.7 351.6 503.2

Banco Ahorro Famsa 8,453.7 9,974.2 10,032.9 4,363.3 4,051.5 3,260.2 4,082.0 5,672.9 6,528.1

Bancoppel 7,088.4 10,617.0 10,385.8 6,147.5 9,542.2 9,309.4 940.8 1,074.8 1,076.4

The Royal Bank of Scotland 2,816.0 2,017.2 2,299.8 2,816.0 1,207.5 1,237.5 0.0 0.0 0.0

Bank of Tokyo-Mitsubishi UFJ 4,508.5 3,869.8 4,067.6 2,362.9 2,595.7 2,777.4 2,145.6 1,274.1 1,290.2

UBS 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Actinver 98.7 1,029.5 1,243.2 98.7 238.9 216.6 0.0 790.7 1,026.5

Inter Banco 535.5 18.3 32.0 2.2 0.1 12.8 533.3 0.1 0.1

Autofin 1,483.0 2,182.6 2,341.9 119.5 122.0 144.9 1,030.1 1,817.2 1,946.5

Banco Wal-Mart 825.9 1,602.5 1,798.6 451.7 592.3 579.0 374.2 1,010.1 1,219.6

Banco Amigo 346.8 2,249.6 2,093.2 4.2 91.5 74.5 342.6 874.6 767.2

Volkswagen Bank 1,045.6 1,393.7 1,466.1 0.0 0.0 0.0 1,045.6 1,309.6 1,466.1

The Bank of New York Mellon 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Banco Fácil 85.6 26.2 23.2 0.0 0.0 0.0 0.0 0.0 0.0

Captación de Recursos (Millones de pesos)

Captación Total Exigibilidad Inmediata Plazo


25


Total* 82,468.8 150,023.6 150,965.3 202,411.1 256,992.5 246,040.2

BBVA Bancomer 42,003.5 53,199.8 54,758.7 33,048.6 18,690.6 31,297.4

Banamex 13,754.9 25,692.4 25,236.8 39,667.1 61,369.9 56,544.2

Santander 6,232.0 18,003.6 17,605.5 18,992.9 22,459.8 18,212.9

Banorte 3,970.9 3,528.2 3,723.8 7,928.7 9,410.1 8,522.9

HSBC 4,253.4 4,244.8 4,253.9 13,227.0 29,223.6 27,801.5

Inbursa 5,012.9 31,567.3 31,581.1 8,064.4 11,327.7 8,431.0

Scotiabank 4,229.0 6,223.8 6,232.1 4,180.5 4,799.5 4,897.1

Deutsche Bank 0.0 0.0 0.0 1,886.5 2,935.7 3,210.5

ING 212.1 197.2 208.2 1,120.0 350.6 190.0

IXE 0.0 0.0 0.0 7,848.3 5,993.4 7,000.6

Interacciones 0.0 3,508.2 3,510.0 9,486.8 11,459.6 11,834.2

Banco del Bajío 753.6 810.3 815.7 15,662.7 14,574.0 14,688.7

Afirme 0.0 0.0 0.0 158.3 97.0 122.7

Bank of America 0.0 0.0 0.0 15,329.6 23,254.5 24,456.6

Banco Azteca 0.0 0.0 0.0 134.7 305.1 326.5

Banregio 0.0 0.0 0.0 830.2 846.2 1,116.5

J. P. Morgan 0.0 0.0 0.0 667.7 3,642.8 601.2

Banca Mifel 81.7 58.8 68.7 6,042.4 3,584.0 3,607.4

Invex 297.0 273.1 288.2 2,417.5 1,912.4 2,001.0

Barclays 0.0 0.0 0.0 0.0 0.0 0.0

Monex 143.3 210.3 175.6 2,210.1 2,151.1 991.5

Banco Credit Suisse 20.0 0.0 0.0 105.3 11,097.8 2,704.3

CIBanco 0.0 0.0 0.0 167.6 39.4 40.8

Multiva 0.0 0.0 0.0 1,066.3 1,800.9 2,324.5

Bansí 0.0 0.0 0.0 1,135.3 1,062.3 959.5

American Express 0.0 0.0 0.0 4,180.0 4,384.4 4,404.3

Ve por Más 0.0 0.0 0.0 3,807.4 4,051.0 3,578.7

Compartamos 1,504.6 2,505.8 2,507.2 2,617.9 3,454.4 3,322.3

Banco Ahorro Famsa 0.0 0.0 0.0 8.5 249.8 244.6

Bancoppel 0.0 0.0 0.0 0.0 0.0 0.0

The Royal Bank of Scotland 0.0 0.0 0.0 0.0 809.7 1,062.3

Bank of Tokyo-Mitsubishi UFJ 0.0 0.0 0.0 0.0 0.0 0.0

UBS 0.0 0.0 0.0 0.0 0.0 0.0

Actinver 0.0 0.0 0.0 0.0 0.0 0.0

Inter Banco 0.0 0.0 0.0 0.0 18.2 19.2

Autofin 0.0 0.0 0.0 333.3 243.4 250.6

Banco Wal-Mart 0.0 0.0 0.0 0.0 0.0 0.0

Banco Amigo 0.0 0.0 0.0 0.0 1,283.6 1,251.5

Volkswagen Bank 0.0 0.0 0.0 0.0 84.0 0.0

The Bank of New York Mellon 0.0 0.0 0.0 0.0 0.0 0.0

Banco Fácil 0.0 0.0 0.0 85.6 26.2 23.2

Captación de Recursos (Millones de pesos)

Títulos de Crédito Emitidos Préstamos Interbancarios


26

Capitalización Julio 2010

(Millones de pesos y porcentajes)

Activos Activos Activos Activos Indice de Capitalización %

Sujetos a Sujetos a Sujetos a Sujetos a Capital Capital Capital Riesgo de Riesgo de Riesgo de Riesgo Básico Complementario Neto Crédito Mercado Operacional Totales

Riesgo de Riesgo Crédito1/ Total2/

Total 65,079.0 499,504.9 564,583.9 1,946,341.8 986,151.3 327,597.2 3,260,090.3 29.01 17.32

BBVA Bancomer 29,328.9 105,984.1 135,312.9 536,031.7 273,349.8 89,212.3 898,593.8 25.24 15.06

Banamex 3,117.0 117,768.8 120,885.8 323,811.2 221,193.7 66,875.7 611,880.7 37.33 19.76

Santander 1,012.0 70,820.7 71,832.7 215,358.3 152,507.6 47,861.2 415,727.1 33.35 17.28

Banorte 13,980.8 36,362.8 50,343.5 210,681.9 60,075.7 32,335.4 303,093.0 23.89 16.61

HSBC 10,480.6 36,142.1 46,622.8 155,795.1 92,995.2 29,172.7 277,963.0 29.92 16.77

Inbursa 514.7 38,127.2 38,641.9 142,649.9 41,621.2 13,118.1 197,389.2 27.08 19.58

Scotiabank 351.9 23,956.4 24,308.4 105,715.5 17,501.7 15,335.8 138,553.1 22.99 17.54

Deutsche Bank 0.0 2,223.2 2,223.2 2,826.5 4,590.1 530.6 7,947.3 78.65 27.97

ING 13.6 8,743.9 8,757.5 9,814.4 47,560.9 2,451.5 59,826.8 89.23 14.64

IXE 1,175.1 3,856.3 5,031.5 26,743.5 4,651.0 2,879.3 34,273.9 18.81 14.68

Interacciones 1,433.7 3,648.6 5,082.4 21,971.2 9,031.7 2,666.4 33,669.2 23.13 15.10

Banco del Bajío 316.6 8,788.4 9,105.0 45,330.2 6,640.3 5,390.5 57,361.0 20.08 15.87

Afirme 322.9 2,300.9 2,623.8 10,639.9 4,906.2 1,574.2 17,120.3 24.65 15.33

Bank of America 3.5 3,687.4 3,690.9 4,429.1 2,486.2 1,034.3 7,949.6 83.33 46.43

Banco Azteca 500.9 4,649.1 5,150.0 27,447.9 2,529.9 3,966.9 33,944.8 18.76 15.17

Banregio 820.2 2,029.1 2,849.4 16,929.3 2,519.0 2,127.8 21,576.1 16.83 13.21

J. P. Morgan 1.0 4,255.3 4,256.3 1,872.2 12,901.0 1,580.3 16,353.4 227.34 26.03

Banca Mifel 1,080.9 1,080.9 2,161.9 10,253.1 3,027.6 900.4 14,181.0 21.08 15.24

Invex 35.2 2,080.7 2,115.9 7,890.9 3,563.0 1,274.5 12,728.5 26.81 16.62

Barclays 0.0 1,985.2 1,985.2 4,465.2 6,604.2 473.2 11,542.6 44.45 17.20

Monex 13.4 1,674.0 1,687.4 3,910.2 2,124.3 300.3 6,334.7 43.15 26.64

Banco Credit Suisse 0.0 1,211.1 1,211.1 2,635.5 2,168.4 422.6 5,226.5 45.95 23.17

CIBanco 2.5 663.1 665.6 1,466.6 569.7 141.0 2,177.3 45.38 30.57

Multiva 30.5 1,447.9 1,478.4 7,441.8 1,514.3 446.3 9,402.4 19.86 15.72

Bansí 17.2 1,083.9 1,101.1 4,167.6 889.5 530.4 5,587.6 26.42 19.71

American Express 391.4 1,640.2 2,031.6 8,243.3 429.2 1,544.0 10,216.5 24.64 19.89

Ve por Más 44.5 1,005.0 1,049.5 5,521.7 1,236.2 641.1 7,399.0 19.00 14.18

Compartamos 35.6 4,732.0 4,767.5 9,468.7 948.8 812.8 11,230.3 50.35 42.45

Banco Ahorro Famsa 27.9 1,580.4 1,608.3 9,345.4 1,904.8 645.8 11,896.0 17.20 13.52

Bancoppel 0.2 529.3 529.5 3,707.4 370.2 237.1 4,314.7 14.28 12.27

The Royal Bank of Scotland 3.6 751.6 755.3 845.2 315.3 314.7 1,475.2 89.36 51.20

Bank of Tokyo-Mitsubishi UFJ 7.1 746.5 753.6 1,817.8 100.1 277.2 2,195.1 41.45 34.33

UBS 0.0 362.0 362.0 60.1 128.8 24.0 212.9 602.38 170.02

Actinver 0.0 861.3 861.3 927.4 721.7 37.2 1,686.3 92.87 51.08

Inter Banco 4.0 511.7 515.7 1,377.7 934.5 126.7 2,438.9 37.42 21.14

Autofin 0.0 455.4 455.4 1,872.7 555.9 92.5 2,521.2 24.31 18.06

Banco Wal-Mart 5.0 428.1 433.1 402.6 19.4 32.1 454.1 107.58 95.38

Banco Amigo 0.3 306.6 306.9 519.0 27.6 43.6 590.1 59.13 52.00

Volkswagen Bank 6.3 447.2 453.6 1,659.6 877.0 87.3 2,624.0 27.32 17.29


Banco Fácil 0.0 114.8 114.8 157.3 12.1 59.1 228.5 72.94 50.22

Fuente: Banco de México. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis. 1/ Capital Neto / Activos Sujetos a Riesgo de Crédito 2/ Capital Neto / Activos Sujetos a Riesgo Totales

27

Capitalización Julio 2011

(Millones de pesos y porcentajes)

Activos Activos Activos Activos Indice de Capitalización %

Sujetos a Sujetos a Sujetos a Sujetos a Capital Capital Capital Riesgo de Riesgo de Riesgo de Riesgo Básico Complementario Neto Crédito Mercado Operacional Totales

Total 75,304.6 512,494.3 587,798.9 2,151,652.7 1,017,327.1 416,230.5 3,585,210.4 27.32 16.40

BBVA Bancomer 40,632.9 117,716.1 158,349.1 574,423.3 323,786.6 118,444.6 1,016,654.4 27.57 15.58

Banamex 1,222.2 98,719.7 99,941.9 345,334.1 159,346.7 80,174.9 584,855.7 28.94 17.09

Santander 1,401.4 71,078.2 72,479.7 260,053.3 177,485.2 51,971.4 489,509.9 27.87 14.81

Banorte 12,734.5 42,132.9 54,867.4 240,094.2 61,939.1 42,110.1 344,143.5 22.85 15.94

HSBC 10,025.1 33,642.3 43,667.4 190,472.3 77,608.4 37,936.6 306,017.3 22.93 14.27

Inbursa 262.4 41,778.2 42,040.6 123,424.4 26,984.6 18,949.2 169,358.1 34.06 24.82

Scotiabank 317.2 24,969.1 25,286.3 114,247.8 18,522.6 19,529.4 152,299.8 22.13 16.60

Deutsche Bank 3.0 2,434.0 2,437.0 3,980.5 9,141.5 803.5 13,925.6 61.22 17.50

ING 4.3 8,888.0 8,892.3 10,547.6 55,886.7 2,756.4 69,190.7 84.31 12.85

IXE 2,457.6 4,126.4 6,584.0 31,866.9 7,626.1 4,376.9 43,869.9 20.66 15.01

Interacciones 2,109.8 4,701.5 6,811.3 24,890.1 10,996.6 4,176.6 40,063.4 27.37 17.00

Banco del Bajío 342.3 9,617.1 9,959.4 48,976.8 5,499.2 6,640.0 61,116.0 20.33 16.30

Afirme 614.3 2,425.7 3,040.0 10,940.3 8,120.8 2,338.4 21,399.5 27.79 14.21

Bank of America 13.8 4,170.2 4,184.0 4,091.2 11,277.9 1,353.5 16,722.6 102.27 25.02

Banco Azteca 511.9 5,584.3 6,096.2 37,857.1 2,748.7 5,017.8 45,623.7 16.10 13.36

Banregio 687.0 3,996.6 4,683.5 22,049.1 3,323.2 2,945.7 28,317.9 21.24 16.54

J. P. Morgan 1.7 4,102.7 4,104.5 2,382.3 10,414.0 2,012.5 14,808.8 172.29 27.72

Banca Mifel 1,019.3 1,019.3 2,038.7 10,656.0 4,165.0 1,443.6 16,264.6 19.13 12.53

Invex 35.4 2,443.2 2,478.6 8,727.9 5,692.1 1,716.5 16,136.5 28.40 15.36

Barclays 0.0 2,786.3 2,786.3 4,230.2 10,632.0 860.4 15,722.6 65.87 17.72

Monex 20.7 1,759.8 1,780.5 3,966.6 2,792.3 655.9 7,414.8 44.89 24.01

Banco Credit Suisse 0.0 1,721.8 1,721.8 1,557.7 7,440.2 649.7 9,647.6 110.53 17.85

CIBanco 16.5 780.7 797.2 3,069.6 793.1 258.5 4,121.3 25.97 19.34

Multiva 46.9 1,656.8 1,703.7 10,026.6 3,056.6 848.3 13,931.5 16.99 12.23

Bansí 22.5 1,128.3 1,150.9 4,838.1 803.7 768.2 6,410.1 23.79 17.95

American Express 280.1 2,451.7 2,731.8 7,809.7 502.3 1,607.7 9,919.7 34.98 27.54

Ve por Más 398.4 1,133.8 1,532.2 5,858.1 1,447.3 932.5 8,237.9 26.15 18.60

Compartamos 26.3 6,252.3 6,278.5 12,036.1 1,092.4 1,353.6 14,482.1 52.16 43.35

Banco Ahorro Famsa 9.6 1,805.0 1,814.6 10,991.2 2,540.6 1,408.6 14,940.4 16.51 12.15

Bancoppel 0.2 1,037.2 1,037.4 7,376.8 607.3 558.3 8,542.5 14.06 12.14

The Royal Bank of Scotland 3.9 649.2 653.1 1,058.7 571.8 267.9 1,898.4 61.69 34.40

Bank of Tokyo-Mitsubishi UFJ 4.1 741.5 745.7 1,744.3 189.3 349.3 2,282.9 42.75 32.66

UBS 0.0 486.2 486.2 87.3 528.1 32.9 648.2 557.07 75.00

Actinver 6.0 911.5 917.5 1,517.0 598.5 133.6 2,249.1 60.48 40.79

Inter Banco 0.6 482.4 483.0 273.0 483.0 172.5 928.4 176.93 52.02

Autofin 0.0 525.1 525.1 2,456.4 618.1 183.0 3,257.5 21.38 16.12

Banco Wal-Mart 19.1 446.2 465.3 1,956.3 31.9 80.5 2,068.7 23.79 22.49

Banco Amigo 27.1 703.9 730.9 2,615.3 195.9 96.1 2,907.3 27.95 25.14

Volkswagen Bank 26.6 913.4 939.9 2,939.5 1,747.3 231.0 4,917.8 31.98 19.11


Banco Fácil 0.0 90.3 90.3 84.7 11.6 57.5 153.8 106.61 58.71

Riesgo de Riesgo Crédito1/ Total2/

Fuente: Banco de México. * Se presentan las instituciones en orden descendente por tamaño de activo total a la fecha de análisis. 1/ Capital Neto / Activos Sujetos a Riesgo de Crédito 2/ Capital Neto / Activos Sujetos a Riesgo Totales

Cartera de Crédito por Calificación Agosto 2011 (Millones de pesos y porcentajes)

Cartera de Crédito

Cartera de Crédito Total

Cartera vigente

Créditos comerciales

Empresas

Entidades financieras

Entidades gubernamentales

Consumo

Vivienda

Cartera vencida bruta


Empresas



Consumo

Vivienda

Cartera Base de Calificación

Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada

Provisiones Preventivas

Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Provisiones adicionales para intereses

vencidos sobre operaciones vigentes

Provisiones adicionales

Captación de Recursos

Captación Total

Depósitos de exigibilidad inmediata

Plazo

Títulos de crédito emitidos

Préstamos interbancarios

De exigibilidad inmediata

A corto Plazo

A largo Plazo

28

Calificación de la Cartera Crediticia

American

Actinver Afirme Express Autofín

903.6 100.0 10,724.6 100.0 7,491.7 100.0 2,244.1 100.0

903.6 100.0 10,216.3 95.3 7,163.4 95.6 2,205.3 98.3

551.8 61.1 7,705.7 71.9 0.0 0.0 1,620.5 72.2

551.8 61.1 5,674.5 52.9 0.0 0.0 1,594.4 71.0

0.0 0.0 16.3 0.2 0.0 0.0 26.1 1.2

0.0 0.0 2,014.9 18.8 0.0 0.0 0.0 0.0

351.7 38.9 1,369.4 12.8 7,163.4 95.6 574.5 25.6

0.0 0.0 1,141.3 10.6 0.0 0.0 10.2 0.5

0.0 0.0 508.3 4.7 328.3 4.4 38.9 1.7

0.0 0.0 196.6 1.8 0.0 0.0 7.7 0.3

0.0 0.0 196.6 1.8 0.0 0.0 4.3 0.2

0.0 0.0 0.0 0.0 0.0 0.0 3.4 0.2

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 146.5 1.4 328.3 4.4 30.4 1.4

0.00 0.0 165.24 1.5 0.00 0.0 0.74 0.0

903.6 100.0 12,127.2 100.0 7,491.7 100.0 2,251.4 100.0

732.6 81.1 8,604.0 70.9 330.2 4.4 1,810.4 80.4

170.9 18.9 3,041.7 25.1 6,385.4 85.2 391.4 17.4

0.0 0.0 212.8 1.8 370.9 5.0 22.2 1.0

0.0 0.0 159.3 1.3 264.7 3.5 13.4 0.6

0.0 0.0 76.7 0.6 140.5 1.9 7.5 0.3

0.0 0.0 32.6 0.3 0.0 0.0 6.5 0.3

5.8 100.0 537.5 100.0 1,002.0 100.0 41.7 100.0

3.6 61.1 47.3 8.8 4.5 0.4 9.6 23.0

2.3 38.9 188.9 35.1 314.2 31.4 8.0 19.3

0.0 0.0 80.9 15.1 222.4 22.2 8.1 19.5

0.0 0.0 105.3 19.6 280.1 28.0 8.4 20.2

0.0 0.0 76.7 14.3 168.9 16.9 7.5 18.1

0.0 0.0 38.5 7.2 12.0 1.2 0.0 0.0


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

29


Tarjetas Banamex Servicios Financieros Banca

Banamex SOFOMER* Soriana, SOFOMER** Mifel

317,093.8 100.0 67,942.9 100.0 993.0 100.0 13,794.4 100.0

314,345.4 99.1 64,946.3 95.6 903.4 91.0 13,118.0 95.1

219,564.6 69.2 0.0 0.0 0.0 0.0 12,323.0 89.3

147,200.3 46.4 0.0 0.0 0.0 0.0 8,725.3 63.3

36,570.3 11.5 0.0 0.0 0.0 0.0 504.2 3.7

35,794.1 11.3 0.0 0.0 0.0 0.0 3,093.5 22.4

40,426.6 12.7 64,946.3 95.6 903.4 91.0 29.7 0.2

54,354.1 17.1 0.0 0.0 0.0 0.0 765.4 5.5

2,748.5 0.9 2,996.6 4.4 89.6 9.0 676.4 4.9

533.6 0.2 0.0 0.0 0.0 0.0 557.6 4.0

533.2 0.2 0.0 0.0 0.0 0.0 543.4 3.9

0.0 0.0 0.0 0.0 0.0 0.0 14.2 0.1

0.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1,533.7 0.5 2,996.6 4.4 89.6 9.0 9.9 0.1

681.21 0.2 0.00 0.0 0.00 0.0 108.87 0.8

331,040.2 100.0 67,729.2 100.0 984.8 100.0 13,876.8 100.0

255,103.3 77.1 17,797.6 26.3 99.4 10.1 12,222.2 88.1

67,268.1 20.3 45,517.0 67.2 734.3 74.6 1,173.9 8.5

4,676.3 1.4 1,843.3 2.7 69.2 7.0 248.1 1.8

1,288.3 0.4 2,452.2 3.6 76.9 7.8 50.2 0.4

1,058.0 0.3 119.1 0.2 5.0 0.5 181.8 1.3

1,646.1 0.5 0.0 0.0 0.0 0.0 0.5 0.0

8,091.2 100.0 7,449.1 100.0 215.6 100.0 434.6 100.0

1,208.6 14.9 174.6 2.3 0.8 0.4 70.9 16.3

3,363.1 41.6 4,175.9 56.1 99.2 46.0 91.4 21.0

1,464.1 18.1 742.3 10.0 28.9 13.4 57.3 13.2

843.3 10.4 1,999.2 26.8 66.2 30.7 30.3 7.0

1,053.2 13.0 143.3 1.9 12.1 5.6 175.6 40.4

158.9 2.0 213.7 2.9 8.3 3.8 9.1 2.1

* Tarjetas Banamex, S.A. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad Regulada, no es una institución de Banca Múltiple ** Servicios Financieros Soriana, S.A.P.I. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad Regulada, no es una institución de Banca Múltiple


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

30


Banco Ahorro Banco Banco Banco

Famsa Amigo Azteca Credit Suisse

11,542.5 100.0 2,319.7 100.0 33,562.9 100.0 5.7 100.0

9,959.7 86.3 2,221.4 95.8 32,296.2 96.2 5.7 100.0

1,921.7 16.6 1,955.2 84.3 9,991.8 29.8 5.7 100.0

1,692.8 14.7 1,893.1 81.6 9,991.8 29.8 5.7 100.0

228.9 2.0 62.1 2.7 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

8,019.1 69.5 3.8 0.2 21,731.6 64.7 0.0 0.0

18.9 0.2 262.4 11.3 572.8 1.7 0.0 0.0

1,582.8 13.7 98.3 4.2 1,266.7 3.8 0.0 0.0

8.8 0.1 98.3 4.2 82.8 0.2 0.0 0.0

8.8 0.1 98.3 4.2 82.8 0.2 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1,574.0 13.6 0.0 0.0 1,068.9 3.2 0.0 0.0

0.00 0.0 0.00 0.0 115.06 0.3 0.00 0.0

11,533.9 100.0 2,319.7 100.0 41,389.5 100.0 5.7 100.0

1,716.6 14.9 1,735.9 74.8 24,174.4 58.4 5.7 100.0

6,561.5 56.9 403.5 17.4 15,431.3 37.3 0.0 0.0

1,797.7 15.6 134.5 5.8 990.4 2.4 0.0 0.0

1,345.3 11.7 40.2 1.7 555.2 1.3 0.0 0.0

110.3 1.0 5.6 0.2 237.7 0.6 0.0 0.0

2.6 0.0 0.0 0.0 0.5 0.0 0.0 0.0

2,117.6 100.0 118.3 100.0 2,126.0 100.0 0.0 100.0

10.1 0.5 10.0 8.4 331.0 15.6 0.0 100.0

366.9 17.3 15.6 13.1 498.5 23.4 0.0 0.0

684.4 32.3 50.2 42.4 364.5 17.1 0.0 0.0

814.3 38.5 33.4 28.3 288.9 13.6 0.0 0.0

101.5 4.8 5.4 4.6 196.5 9.2 0.0 0.0

140.3 6.6 3.8 3.2 446.6 21.0 0.0 0.0


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

31


Banco Banco Banco

del Bajío Fácil Wal-mart Bancoppel

64,944.7 100.0 84.2 100.0 1,897.9 100.0 4,956.0 100.0

63,002.3 97.0 74.0 87.9 1,848.6 97.4 4,096.0 82.6

56,724.8 87.3 0.0 0.0 1,005.6 53.0 241.4 4.9

41,269.8 63.5 0.0 0.0 1,005.6 53.0 241.4 4.9

1,571.7 2.4 0.0 0.0 0.0 0.0 0.0 0.0

13,883.2 21.4 0.0 0.0 0.0 0.0 0.0 0.0

439.9 0.7 74.0 87.9 842.9 44.4 3,854.6 77.8

5,837.6 9.0 0.0 0.0 0.0 0.0 0.0 0.0

1,942.4 3.0 10.1 12.1 49.3 2.6 860.0 17.4

1,325.6 2.0 0.0 0.0 8.2 0.4 0.0 0.0

1,325.6 2.0 0.0 0.0 8.2 0.4 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

14.5 0.0 10.1 12.1 41.1 2.2 860.0 17.4

602.28 0.9 0.00 0.0 0.00 0.0 0.00 0.0

67,570.7 100.0 84.2 100.0 1,897.9 100.0 4,956.0 100.0

57,437.0 85.0 0.0 0.0 618.2 32.6 394.3 8.0

8,449.7 12.5 60.7 72.2 1,165.0 61.4 2,892.5 58.4

968.6 1.4 12.5 14.9 59.5 3.1 927.8 18.7

198.2 0.3 9.6 11.4 14.1 0.7 696.8 14.1

516.6 0.8 1.3 1.5 41.1 2.2 44.6 0.9

0.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0

1,781.9 100.0 17.9 100.0 146.0 100.0 1,202.2 100.0

339.2 19.0 0.3 1.5 4.1 2.8 2.6 0.2

410.2 23.0 4.7 26.4 68.1 46.6 284.0 23.6

332.6 18.7 4.6 25.9 22.1 15.1 330.3 27.5

126.6 7.1 6.7 37.5 10.1 6.9 457.2 38.0

568.9 31.9 1.6 8.7 37.4 25.6 39.7 3.3

4.3 0.2 0.0 0.0 4.2 2.9 88.4 7.4


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

32


Bank of Bank of Tokyo-

America Mitsubishi UFJ Banorte Banregio

1,958.9 100.0 1,147.0 100.0 274,706.7 100.0 22,706.9 100.0

1,958.9 100.0 1,147.0 100.0 268,540.1 97.8 22,306.1 98.2

1,953.9 99.7 1,147.0 100.0 179,548.6 65.4 18,079.2 79.6

1,769.9 90.4 1,147.0 100.0 116,766.8 42.5 17,500.5 77.1

184.0 9.4 0.0 0.0 7,663.4 2.8 192.6 0.8

0.0 0.0 0.0 0.0 55,118.3 20.1 386.1 1.7

0.0 0.0 0.0 0.0 31,056.7 11.3 886.0 3.9

5.0 0.3 0.0 0.0 57,934.8 21.1 3,340.9 14.7

0.0 0.0 0.0 0.0 6,166.7 2.2 400.7 1.8

0.0 0.0 0.0 0.0 4,052.8 1.5 211.8 0.9

0.0 0.0 0.0 0.0 4,052.8 1.5 211.8 0.9

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 1,328.7 0.5 24.4 0.1

0.00 0.0 0.00 0.0 785.13 0.3 164.54 0.7

3,426.2 100.0 1,422.2 100.0 278,347.6 100.0 22,752.6 100.0

3,184.5 92.9 742.2 52.2 223,813.4 80.4 16,120.8 70.9

241.7 7.1 534.1 37.6 45,911.3 16.5 6,094.5 26.8

0.0 0.0 145.9 10.3 4,644.6 1.7 373.3 1.6

0.0 0.0 0.0 0.0 1,642.3 0.6 55.0 0.2

0.0 0.0 0.0 0.0 2,187.4 0.8 108.9 0.5

0.0 0.0 0.0 0.0 148.6 0.1 0.2 0.0

21.1 100.0 74.4 100.0 9,144.2 100.0 777.7 100.0

13.0 61.6 4.1 5.6 1,326.5 14.5 94.0 12.1

8.1 38.4 38.5 51.7 2,703.5 29.6 379.0 48.7

0.0 0.0 31.8 42.7 1,674.7 18.3 121.4 15.6

0.0 0.0 0.0 0.0 1,136.4 12.4 39.2 5.0

0.0 0.0 0.0 0.0 2,212.7 24.2 108.8 14.0

0.0 0.0 0.0 0.0 90.4 1.0 35.4 4.5


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

33


BBVA

Bansi Barclays Bancomer CIBanco

6,501.3 100.0 0.0 0.0 588,051.3 100.0 2,741.5 100.0

6,301.8 96.9 0.0 0.0 568,229.0 96.6 2,740.2 100.0

6,264.5 96.4 0.0 0.0 297,023.1 50.5 2,623.6 95.7

4,825.7 74.2 0.0 0.0 203,350.5 34.6 1,487.3 54.3

0.0 0.0 0.0 0.0 7,661.9 1.3 1,136.4 41.5

1,438.8 22.1 0.0 0.0 86,010.7 14.6 0.0 0.0

21.2 0.3 0.0 0.0 133,737.0 22.7 116.6 4.3

16.0 0.2 0.0 0.0 137,468.9 23.4 0.0 0.0

199.6 3.1 0.0 0.0 19,822.3 3.4 1.3 0.0

198.7 3.1 0.0 0.0 7,060.3 1.2 0.0 0.0

198.7 3.1 0.0 0.0 7,054.0 1.2 0.0 0.0

0.0 0.0 0.0 0.0 6.3 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.9 0.0 0.0 0.0 5,743.7 1.0 1.3 0.0

0.00 0.0 0.00 0.0 7,018.25 1.2 0.00 0.0

6,611.7 100.0 0.0 0.0 602,538.0 100.0 2,728.7 100.0

3,653.6 55.3 0.0 0.0 395,045.3 65.6 2,622.7 96.1

2,188.0 33.1 0.0 0.0 162,851.3 27.0 103.8 3.8

352.0 5.3 0.0 0.0 19,406.1 3.2 0.2 0.0

311.8 4.7 0.0 0.0 4,225.9 0.7 0.3 0.0

106.4 1.6 0.0 0.0 2,009.5 0.3 0.8 0.0

0.0 0.0 0.0 0.0 18,999.9 3.2 0.8 0.0

571.3 100.0 0.0 0.0 25,793.0 100.0 17.6 100.0

22.5 3.9 0.0 0.0 2,433.5 9.4 14.3 81.2

126.0 22.1 0.0 0.0 8,293.6 32.2 2.2 12.3

96.4 16.9 0.0 0.0 6,364.8 24.7 0.1 0.5

222.0 38.9 0.0 0.0 3,015.7 11.7 0.2 1.1

104.3 18.3 0.0 0.0 1,785.7 6.9 0.9 5.0

0.0 0.0 0.0 0.0 3,899.7 15.1 0.0 0.0


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

34


Deutsche

Compartamos Bank HSBC ING

12,232.6 100.0 731.6 100.0 183,778.1 100.0 4,027.2 100.0

12,008.5 98.2 731.6 100.0 178,630.7 97.2 4,027.2 100.0

864.0 7.1 731.6 100.0 131,725.6 71.7 4,027.2 100.0

864.0 7.1 731.6 100.0 100,005.4 54.4 3,811.4 94.6

0.0 0.0 0.0 0.0 6,165.2 3.4 215.7 5.4

0.0 0.0 0.0 0.0 25,555.0 13.9 0.0 0.0

11,144.5 91.1 0.0 0.0 29,074.1 15.8 0.0 0.0

0.0 0.0 0.0 0.0 17,831.0 9.7 0.0 0.0

224.0 1.8 0.0 0.0 5,147.4 2.8 0.0 0.0

0.0 0.0 0.0 0.0 1,982.8 1.1 0.0 0.0

0.0 0.0 0.0 0.0 1,982.8 1.1 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

224.0 1.8 0.0 0.0 1,307.3 0.7 0.0 0.0

0.00 0.0 0.00 0.0 1,857.24 1.0 0.00 0.0

12,262.9 100.0 765.5 100.0 212,296.0 100.0 4,027.2 100.0

8,811.5 71.9 765.5 100.0 97,580.3 46.0 3,244.0 80.6

3,104.4 25.3 0.0 0.0 96,927.0 45.7 783.1 19.4

102.1 0.8 0.0 0.0 6,628.8 3.1 0.0 0.0

214.5 1.7 0.0 0.0 1,801.1 0.8 0.0 0.0

30.3 0.2 0.0 0.0 381.2 0.2 0.0 0.0

0.0 0.0 0.0 0.0 8,977.6 4.2 0.0 0.0

401.9 100.0 3.8 100.0 10,373.8 100.0 36.3 100.0

26.8 6.7 3.8 100.0 619.1 6.0 25.6 70.5

152.9 38.0 0.0 0.0 5,513.6 53.1 7.8 21.4

37.8 9.4 0.0 0.0 2,352.5 22.7 0.0 0.0

154.2 38.4 0.0 0.0 1,325.9 12.8 0.0 0.0

30.3 7.5 0.0 0.0 377.8 3.6 0.0 0.0

0.0 0.0 0.0 0.0 184.9 1.8 3.0 8.1


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

35


Sociedad Financiera

Inbursa Inbursa SOFOMER* Interacciones Inter Banco

152,366.7 100.0 4,091.3 100.0 48,011.5 100.0 185.0 100.0

147,286.6 96.7 3,393.8 83.0 47,647.5 99.2 178.3 96.4

137,950.3 90.5 1,500.7 36.7 47,454.7 98.8 172.1 93.0

117,237.7 76.9 1,500.2 36.7 9,007.6 18.8 172.1 93.0

9,081.8 6.0 0.5 0.0 150.4 0.3 0.0 0.0

11,630.9 7.6 0.0 0.0 38,296.7 79.8 0.0 0.0

8,121.0 5.3 1,893.1 46.3 8.4 0.0 6.2 3.4

1,215.2 0.8 0.0 0.0 184.3 0.4 0.0 0.0

5,080.1 3.3 697.5 17.0 364.0 0.8 6.7 3.6

4,838.7 3.2 594.8 14.5 351.4 0.7 6.6 3.6

4,688.2 3.1 594.8 14.5 347.4 0.7 6.6 3.6

150.5 0.1 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 4.0 0.0 0.0 0.0

155.6 0.1 102.7 2.5 1.3 0.0 0.1 0.0

85.77 0.1 0.00 0.0 11.28 0.0 0.00 0.0

157,160.0 100.0 n. d. n. d. 48,706.5 100.0 810.4 100.0

45,762.7 29.1 n. d. n. d. 36,183.7 74.3 778.3 96.0

89,061.5 56.7 n. d. n. d. 11,369.5 23.3 25.4 3.1

12,575.7 8.0 n. d. n. d. 206.2 0.4 0.0 0.0

481.8 0.3 n. d. n. d. 126.5 0.3 0.0 0.0

9,263.9 5.9 n. d. n. d. 335.7 0.7 6.7 0.8

14.5 0.0 n. d. n. d. 484.9 1.0 0.0 0.0

21,136.6 100.0 n. d. n. d. 1,365.2 100.0 8.6 100.0

285.5 1.4 n. d. n. d. 276.5 20.3 0.7 8.6

7,730.1 36.6 n. d. n. d. 630.7 46.2 1.3 14.8

3,169.8 15.0 n. d. n. d. 44.8 3.3 0.0 0.0

301.5 1.4 n. d. n. d. 77.4 5.7 0.0 0.0

9,240.7 43.7 n. d. n. d. 335.7 24.6 6.6 76.6

409.1 1.9 n. d. n. d. 0.0 0.0 0.0 0.0

* Sociedad Financiera Inbursa, S.A. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad Regulada, no es una institución de Banca Múltiple n. d. No disponible


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

36


IXE Tarjetas J.P.

Invex IXE SOFOMER* Morgan

7,930.8 100.0 30,505.9 100.0 2,760.5 100.0 142.9 100.0

7,789.9 98.2 30,219.8 99.1 2,682.1 97.2 142.9 100.0

7,334.0 92.5 28,785.1 94.4 0.0 0.0 142.9 100.0

5,989.3 75.5 20,446.8 67.0 0.0 0.0 142.9 100.0

1,344.8 17.0 4,466.7 14.6 0.0 0.0 0.0 0.0

0.0 0.0 3,871.6 12.7 0.0 0.0 0.0 0.0

455.9 5.7 339.4 1.1 2,682.1 97.2 0.0 0.0

0.0 0.0 1,095.3 3.6 0.0 0.0 0.0 0.0

140.9 1.8 286.1 0.9 78.4 2.8 0.0 0.0

88.1 1.1 241.6 0.8 0.0 0.0 0.0 0.0

88.1 1.1 235.9 0.8 0.0 0.0 0.0 0.0

0.0 0.0 5.8 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

52.8 0.7 11.7 0.0 78.4 2.8 0.0 0.0

0.00 0.0 32.77 0.1 0.00 0.0 0.00 0.0

8,096.3 100.0 30,984.0 100.0 2,760.5 100.0 754.3 100.0

5,669.2 70.0 28,322.6 91.4 53.6 1.9 494.5 65.6

1,931.8 23.9 2,391.9 7.7 2,372.4 85.9 259.8 34.4

329.6 4.1 112.2 0.4 244.2 8.8 0.0 0.0

66.5 0.8 16.0 0.1 60.8 2.2 0.0 0.0

99.2 1.2 141.3 0.5 8.6 0.3 0.0 0.0

0.0 0.0 0.0 0.0 20.9 0.8 0.0 0.0

459.4 100.0 480.0 100.0 401.4 100.0 12.0 100.0

36.5 8.0 176.4 36.7 1.2 0.3 0.1 0.7

143.6 31.3 115.1 24.0 228.5 56.9 11.9 99.3

131.4 28.6 40.7 8.5 65.7 16.4 0.0 0.0

48.9 10.6 10.9 2.3 85.1 21.2 0.0 0.0

98.9 21.5 136.9 28.5 14.7 3.7 0.0 0.0

0.0 0.0 0.0 0.0 6.3 1.6 0.0 0.0

* Ixe Tarjetas, S.A. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad Regulada, no es una institución de Banca Múltiple.


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

37


Santander Consumo Santander Hipotecario

Multiva Santander SOFOMER* SOFOMER**

9,573.1 100.0 284,840.9 100.0 47,333.7 100.0 21,341.5 100.0

9,293.6 97.1 282,340.2 99.1 46,120.3 97.4 18,270.8 85.6

8,956.9 93.6 242,584.7 85.2 0.0 0.0 0.0 0.0

7,067.4 73.8 154,226.5 54.1 0.0 0.0 0.0 0.0

379.6 4.0 55,756.4 19.6 0.0 0.0 0.0 0.0

1,509.9 15.8 32,601.8 11.4 0.0 0.0 0.0 0.0

326.9 3.4 0.0 0.0 46,120.3 97.4 0.0 0.0

9.8 0.1 39,755.5 14.0 0.0 0.0 18,270.8 85.6

279.5 2.9 2,500.7 0.9 1,213.4 2.6 3,070.7 14.4

272.0 2.8 1,799.5 0.6 0.0 0.0 0.0 0.0

272.0 2.8 1,799.5 0.6 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

7.5 0.1 0.0 0.0 1,213.4 2.6 0.0 0.0

0.00 0.0 701.20 0.2 0.00 0.0 3,070.72 14.4

9,573.9 100.0 305,993.8 100.0 47,341.2 100.0 n. d. n. d.

6,862.0 71.7 285,860.0 93.4 16,357.4 34.6 n. d. n. d.

2,448.1 25.6 12,482.5 4.1 26,146.6 55.2 n. d. n. d.

82.3 0.9 1,620.6 0.5 2,991.9 6.3 n. d. n. d.

94.5 1.0 181.8 0.1 1,683.0 3.6 n. d. n. d.

86.2 0.9 740.4 0.2 154.8 0.3 n. d. n. d.

0.8 0.0 5,108.5 1.7 7.4 0.0 n. d. n. d.

342.5 100.0 3,348.6 100.0 7,643.3 16.1 n. d. n. d.

45.9 13.4 1,424.4 42.5 3,155.6 6.7 n. d. n. d.

123.8 36.2 690.3 20.6 1,923.0 4.1 n. d. n. d.

23.0 6.7 460.0 13.7 1,104.0 2.3 n. d. n. d.

56.9 16.6 131.8 3.9 1,216.0 2.6 n. d. n. d.

86.2 25.2 739.3 22.1 239.3 0.5 n. d. n. d.

6.7 1.9 (97.1) (2.9) 5.4 0.0 n. d. n. d.

* Santander Consumo, S.A. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad Regulada, no es una institución de Banca Múltiple. ** Santander Hipotecario, S.A. de C.V., Sociedad Financiera de Objeto Múltiple, Entidad Regulada, no es una institución de Banca Múltiple. n. d. No disponible


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

38


The Bank of The Royal Bank

Monex Scotiabank New York Mellon of Scotland

3,158.7 100.0 114,890.9 100.0 0.0 0.0 950.7 100.0

3,088.1 97.8 111,672.3 97.2 0.0 0.0 950.6 100.0

2,815.4 89.1 54,630.7 47.6 0.0 0.0 950.6 100.0

2,322.8 73.5 39,472.4 34.4 0.0 0.0 845.8 89.0

403.7 12.8 4,632.9 4.0 0.0 0.0 0.0 0.0

88.9 2.8 10,525.3 9.2 0.0 0.0 104.8 11.0

0.0 0.0 15,275.0 13.3 0.0 0.0 0.0 0.0

272.7 8.6 41,766.6 36.4 0.0 0.0 0.0 0.0

70.6 2.2 3,218.6 2.8 0.0 0.0 0.1 0.0

70.6 2.2 255.2 0.2 0.0 0.0 0.1 0.0

70.6 2.2 216.5 0.2 0.0 0.0 0.0 0.0

0.0 0.0 38.7 0.0 0.0 0.0 0.1 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 626.9 0.5 0.0 0.0 0.0 0.0

0.00 0.0 2,336.52 2.0 0.0 0.0 0.00 0.0

7,775.7 100.0 118,733.9 100.0 0.0 0.0 1,658.4 100.0

7,581.7 97.5 78,914.0 66.5 0.0 0.0 1,330.1 80.2

164.2 2.1 33,145.6 27.9 0.0 0.0 328.2 19.8

5.2 0.1 2,602.7 2.2 0.0 0.0 0.0 0.0

0.1 0.0 438.6 0.4 0.0 0.0 0.0 0.0

24.4 0.3 758.0 0.6 0.0 0.0 0.1 0.0

0.0 0.0 2,874.9 2.4 0.0 0.0 0.0 0.0

63.5 100.0 3,756.3 100.0 0.0 0.0 25.9 100.0

23.7 37.2 328.6 8.7 0.0 0.0 5.9 22.7

15.1 23.8 1,319.1 35.1 0.0 0.0 20.0 77.0

2.1 3.3 920.9 24.5 0.0 0.0 0.0 0.0

0.1 0.1 315.8 8.4 0.0 0.0 0.0 0.0

22.6 35.6 419.3 11.2 0.0 0.0 0.1 0.3

0.0 0.0 452.5 12.0 0.0 0.0 0.0 0.0


Cartera de Crédito


Cartera vigente


Empresas



Consumo

Vivienda



Empresas



Consumo

Vivienda


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable

Exceptuada


Total

A Mínimo

B Bajo

C Medio

D Alto

E Irrecuperable





Captación Total


Plazo




A corto Plazo

A largo Plazo

39


Volkswagen

UBS Ve por Más Bank

85.0 100.0 9,250.6 100.0 2,954.5 100.0

85.0 100.0 9,122.3 98.6 2,860.0 96.8

85.0 100.0 9,082.1 98.2 0.0 0.0

0.0 0.0 6,794.3 73.4 0.0 0.0

85.0 100.0 1,514.0 16.4 0.0 0.0

0.0 0.0 773.8 8.4 0.0 0.0

0.0 0.0 32.3 0.3 2,860.0 96.8

0.0 0.0 7.9 0.1 0.0 0.0

0.0 0.0 128.3 1.4 94.4 3.2

0.0 0.0 128.2 1.4 0.0 0.0

0.0 0.0 127.4 1.4 0.0 0.0

0.0 0.0 0.8 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.1 0.0 94.4 3.2

0.00 0.0 0.0 0.0 0.00 0.0

85.0 100.0 9,300.0 100.0 2,981.6 100.0

85.0 100.0 8,250.4 88.7 655.0 22.0

0.0 0.0 925.7 10.0 2,153.3 72.2

0.0 0.0 81.7 0.9 69.7 2.3

0.0 0.0 12.0 0.1 49.3 1.7

0.0 0.0 30.2 0.3 27.2 0.9

0.0 0.0 0.0 0.0 27.2 0.9

0.8 100.0 171.2 100.0 145.0 100.0

0.8 100.0 45.9 26.8 5.1 3.5

0.0 0.0 55.5 32.4 58.8 40.5

0.0 0.0 27.2 15.9 21.9 15.1

0.0 0.0 8.6 5.0 32.0 22.1

0.0 0.0 30.2 17.6 27.2 18.7

0.0 0.0 3.9 2.3 0.0 0.0

III. Información Detallada de la Cartera de Crédito

Julio 2011 - Agosto 2011

III.I Información Detallada de la Cartera de Crédito a la Vivienda

Julio 2011 - Agosto 2011

42

MONEDA NACIONAL

DÓLARES DE E.U.

VSMG (Veces Salario Mínimo General)

UDIS

Institución*

Institución*

Institución*

Institución*

Número de Créditos

del Portafolio Total







Número de Créditos Otorgados




Valor Promedio de Vivienda

(miles de pesos)


(miles de pesos)


(miles de pesos)


(miles de pesos)

Monto Promedio de Crédito

(miles de pesos)


(miles de pesos)


(miles de pesos)


(miles de pesos)

Tasa de Interés1/ (%)




Información de Créditos Otorgados en el Mes




BBVA Bancomer 166,226 166,187 1,796 1,952 1,044 1,078 744 762 11.42 11.46 Santander 65,771 66,558 930 1,299 1,490 1,426 1,065 1,030 10.60 10.57 Banorte 98,306 98,886 938 1,075 1,373 1,355 922 925 11.22 10.90 Banamex 39,460 39,106 126 152 1,415 1,357 790 797 11.37 11.29 Scotiabank 47,948 48,210 628 641 2,217 2,258 1,209 1,202 11.13 10.75 HSBC 24,955 24,997 242 261 1,627 1,373 992 857 10.64 10.69 Banco del Bajío 8,874 8,900 62 43 1,844 1,374 1,140 829 12.15 12.08 Banregio 4,273 4,297 29 39 2,637 2,143 1,780 1,442 10.75 10.70 Afirme 1,648 1,643 7 9 3,785 3,478 1,179 2,167 12.19 13.10 Inbursa 1,934 1,938 11 8 1,964 2,041 926 857 12.50 12.87 Ixe 807 811 2 6 1,996 3,085 1,547 1,428 9.24 11.82 Banca Mifel 617 640 9 24 2,753 2,400 1,786 1,556 11.51 11.54 Banco Azteca 2,058 2,039 - - - - - - - - Monex 6,627 10,270 - - - - - - - - Banco Amigo 6,180 9,371 - - - - - - - - Interacciones 229 231 1 2 14,000 2,669 7,000 2,175 6.82 6.79 Bansí 9 9 - - - - - - - - Autofin 10 10 - - - - - - - - Multiva 2 2 - - - - - - - - Ve por Más 2 6 - 4 - 67 - 67 20.00 20.00

BBVA Bancomer 14 15 1 1 1,325 367 45 140 2.95 2.95

Scotiabank 74 74 2 - 4,747 - 1,538 - 7.99 -

Ixe 1 1 - - - - - - - -

BBVA Bancomer 113,666 115,140 676 686 808 825 588 600 12.40 12.28

Banamex 130,476 133,404 2,961 3,567 640 643 505 504 9.84 8.70

BBVA Bancomer 68,761 68,148

Banorte 332 329

Banamex 10,628 10,581

Scotiabank 2,434 2,412

Santander 3,128 3,099

HSBC 5,826 5,758

Banco del Bajío 2,432 2,406

Inbursa 5 5

Jul-11 Ago-11 Jul-11 Ago-11 Jul-11 Ago-11 Jul-11 Ago-11 Jul-11 Ago-11




Cartera de Vivienda

Información Detallada GeneralImportante: Cifras sin subsidiarias

Fuente: Portafolio de Información CNBV * Se presentan las instituciones en orden descendente por el saldo de cartera a la fecha de análisis. 1/ Tasa de interés promedio ponderado por monto de crédito, en la moneda señalada.

Número de Créditos Monto de Crédito Tasa de Interés1/ LTV2/

Otorgados Otorgado (mdp) (%) (%)



Jul-11 Ago-11 Jul-11 Ago-11 Jul-11 Ago-11 Jul-11 Ago-11


Cartera de ViviendaInformación de Créditos Otorgados en el MesDistribución por Valor de la ViviendaImportante: Cifras sin subsidiarias

Rangos de Valorde la Vivienda

(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

43

Fuente: Portafolio de Información CNBV. 1/ Tasa de interés promedio ponderado por monto de crédito, para créditos en moneda nacional. En los rangos que sólo contengan créditos en moneda distinta a la nacional, no se mostrará

tasa de interés. 2/ Nivel de Financiamiento o LTV por sus siglas en inglés (Loan To Value): Se refiere al indicador que mide el porcentaje que representa el monto financiado en términos del valor de la

vivienda financiada. Un valor por debajo de 100% indica que el valor de la vivienda excede el monto que se adeuda. En este caso se indica el Nivel de Financiamiento al momento del otorgamiento.

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

1 - 0.3 - 11.99 - 80.00 -

1 1 0.5 0.6 11.99 11.99 77.68 80.00

- 2 - 1.5 - 11.99 - 80.00

- 2 - 2.5 - 11.99 - 95.18

- - - - - - - -

1 1 0.6 1.5 11.99 11.99 27.66 70.52

2 - 2.5 - 11.99 - 39.46 -

- - - - - - - -

2 3 4.3 13.5 12.37 13.55 22.63 55.60

7 9 8.3 19.5 12.19 13.10 44.22 74.19

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

12 15 2.8 3.5 - - 81.36 82.44

268 360 83.6 112.6 - - 84.18 83.73

847 1,022 305.7 365.1 - 11.50 80.60 79.67

1,219 1,397 588.5 677.4 11.43 11.51 79.94 80.39

370 465 263.7 326.8 11.46 11.48 82.93 81.83

272 352 238.9 309.2 11.60 11.48 73.87 73.08

63 66 62.4 61.3 11.25 11.05 58.46 54.39

28 26 29.4 30.3 11.36 11.42 42.38 50.58

4 10 8.5 19.0 10.81 10.95 61.06 55.87

2 5 4.6 11.2 11.50 10.95 51.27 48.50

2 1 6.4 1.8 11.27 10.80 46.97 33.05

3,087 3,719 1,594.6 1,918.2 11.37 11.29 79.48 79.23

Afirme

Banamex









(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

44




- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- 3 - 2.1 - 11.57 - 80.58

- 4 - 4.5 - 11.50 - 82.36

4 6 4.8 6.6 11.68 11.64 74.16 59.81

2 3 3.8 6.2 11.50 11.58 70.61 75.55

1 6 1.9 15.4 11.50 11.50 50.37 78.18

1 - 2.8 - 11.25 - 66.71 -

1 2 2.8 2.5 11.50 11.50 55.83 23.81

9 24 16.1 37.3 11.51 11.54 67.87 69.73

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

2 3 0.4 0.8 12.50 12.40 60.29 71.54

1 3 0.3 0.9 12.00 12.10 61.40 68.93

4 12 2.3 5.7 11.90 12.28 80.00 72.24

7 2 4.3 1.0 12.31 11.86 70.97 58.83

16 6 13.5 4.3 12.25 11.92 65.72 57.36

12 8 14.1 7.8 12.14 12.18 65.89 54.81

11 6 17.3 9.3 12.03 11.85 64.71 61.07

5 3 8.9 5.8 12.20 12.25 53.99 56.14

2 - 4.5 - 12.22 - 47.45 -

2 - 5.2 - 12.05 - 50.05 -

62 43 70.7 35.7 12.15 12.08 64.81 63.34

Banca Mifel

Banco del Bajío









(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

45




- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

2 - 0.4 - 11.85 - 69.95 -

24 29 6.6 8.5 11.75 11.12 75.45 79.18

35 55 11.4 19.1 11.44 11.32 73.66 75.91

190 217 86.6 99.4 11.30 11.02 71.64 71.43

225 204 134.8 122.7 11.21 10.98 69.07 69.34

229 293 208.9 265.9 11.11 10.88 74.36 73.49

88 121 103.4 148.7 11.18 10.94 68.65 71.18

78 89 119.4 143.9 11.55 10.96 64.35 67.15

34 31 73.7 68.3 11.02 10.90 63.24 63.74

13 22 36.1 56.5 11.18 10.62 63.92 56.75

20 14 83.0 61.8 11.18 10.55 59.51 56.19

938 1,075 864.4 994.8 11.22 10.90 70.31 70.93

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

2 3 0.9 1.4 10.50 10.50 73.78 64.70

2 4 1.4 2.5 10.63 10.50 82.21 69.04

6 11 5.1 8.7 10.78 10.59 73.53 65.87

5 4 4.9 5.4 10.50 10.63 55.90 80.25

6 12 9.9 21.6 10.56 10.96 67.40 70.20

- - - - - - - -

3 3 7.9 6.6 10.50 10.50 59.83 45.86

5 2 21.5 10.0 10.99 10.50 71.75 78.49

29 39 51.6 56.2 10.75 10.70 68.12 68.02

Banorte

Banregio









(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

46




- - - - - - - -

3 2 0.2 0.2 11.91 12.49 84.99 85.00

12 10 1.3 1.1 12.49 14.30 83.83 85.00

36 11 5.8 1.7 12.52 12.90 85.13 85.91

171 142 31.1 27.0 12.91 13.00 72.71 73.83

220 204 53.1 50.7 12.99 12.78 67.97 69.42

198 253 61.9 76.5 12.48 12.73 69.41 67.63

598 700 282.4 319.6 11.51 11.61 74.21 72.08

439 450 277.7 288.5 11.38 11.38 72.71 73.34

444 464 408.1 431.5 11.33 11.29 74.32 74.64

170 186 213.0 233.1 11.29 11.31 72.30 71.27

120 150 213.2 271.9 11.23 11.34 71.24 72.82

31 29 68.3 55.7 11.34 11.59 63.24 54.62

16 17 47.2 48.0 11.40 11.87 63.84 62.65

15 21 70.8 93.5 11.10 11.16 58.68 61.87

2,473 2,639 1,734.0 1,898.9 11.42 11.46 72.57 71.98

- - - - - - - -

- - - - - - - -

1 - 0.5 - 10.49 - 365.07 -

- - - - - - - -

- - - - - - - -

3 7 0.6 2.1 10.49 10.94 54.22 80.07

12 15 4.3 4.4 10.75 10.79 78.39 66.16

30 48 12.2 21.2 10.83 10.75 64.41 67.09

42 55 23.6 30.7 10.78 10.72 64.57 64.64

64 64 52.7 53.5 10.67 10.72 66.40 66.02

33 31 36.4 33.1 10.71 10.67 64.00 62.65

33 24 48.8 38.6 10.57 10.69 63.67 65.12

13 10 26.4 16.4 10.56 10.49 60.53 48.23

3 4 7.2 9.1 10.49 10.91 52.31 53.32

8 3 27.4 14.6 10.49 10.49 47.48 56.01

242 261 240.0 223.7 10.64 10.69 65.70 64.84

BBVA Bancomer

HSBC









(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

47




- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

1 - 0.2 - 13.30 - 49.10 -

1 - 0.5 - 13.30 - 92.15 -

3 2 1.3 0.8 12.75 14.95 54.59 47.18

1 1 1.1 1.3 12.90 12.90 78.96 89.57

1 4 1.1 4.1 12.00 12.62 66.78 58.29

1 - 0.4 - 12.70 - 18.65 -

1 - 1.6 - 11.00 - 51.05 -

1 - 1.7 - 12.90 - 38.43 -

1 1 2.2 0.6 12.90 12.00 41.41 10.12

11 8 10.2 6.9 12.50 12.87 54.58 53.40

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- 1 - 1.4 - 6.79 - 94.27

- - - - - - - -

- - - - - - - -

- 1 - 3.0 - 6.79 - 76.80

- - - - - - - -

1 - 7.0 - 6.82 - 50.00 -

1 2 7.0 4.4 6.82 6.79 50.00 85.54

Inbursa

Interacciones









(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

48




- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

1 2 1.1 1.7 11.80 12.70 73.52 62.22

- 1 - 1.2 - 12.50 - 75.00

1 1 2.0 0.5 7.84 11.00 79.90 18.00

- 1 - 2.1 - 11.00 - 56.52

- - - - - - - -

- 1 - 3.2 - 11.75 - 39.43

2 6 3.1 8.6 9.24 11.82 76.72 52.23

- - - - - - - -

- 1 - 0.1 - 10.52 - 98.17

1 5 0.1 0.6 10.52 11.60 97.25 100.00

3 7 0.5 1.2 10.52 10.85 99.23 99.88

20 26 4.7 6.0 10.52 10.83 86.66 87.78

52 64 15.7 20.1 10.75 10.72 88.06 87.31

48 92 16.1 33.3 10.91 10.66 74.96 79.57

145 241 68.8 116.1 10.67 10.58 74.45 76.07

138 196 88.5 121.5 10.66 10.53 73.36 71.31

199 253 178.0 227.4 10.64 10.57 71.34 72.25

113 167 138.9 215.2 10.60 10.56 70.23 73.90

132 135 235.0 241.2 10.58 10.54 72.03 73.28

39 54 97.7 131.5 10.52 10.58 71.96 71.06

27 35 85.8 105.1 10.52 10.52 69.77 66.20

13 23 60.1 118.7 10.52 10.66 64.51 68.93

930 1,299 990.0 1,337.9 10.60 10.57 73.55 74.72

Ixe

Santander









(miles de pesos)


(miles de pesos)

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

(0-50]

(50-100]

(100-150]

(150-200]

(200-300]

(300-400]

(400-500]

(500-750]

(750-1,000]

(1,000-1,500]

(1,500-2,000]

(2,000-3,000]

(3,000-4,000]

(4,000-5,000]

más de 5,000

Total

49




- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

- - - - - - - -

6 2 1.4 0.5 11.47 10.50 65.32 66.83

15 9 4.6 2.8 11.47 10.44 66.41 66.77

58 68 23.6 26.0 11.24 10.82 62.77 58.73

63 79 31.0 40.9 11.20 10.89 57.47 59.83

140 140 112.7 111.7 11.23 10.83 63.19 63.87

98 97 99.1 103.0 11.09 10.71 58.00 62.08

121 109 167.8 153.7 11.16 10.65 57.16 57.67

58 49 104.0 99.6 11.09 10.86 52.11 59.70

31 37 70.5 81.2 11.08 10.78 51.00 49.89

40 51 147.5 151.3 11.04 10.64 49.64 40.42

630 641 762.1 770.5 11.13 10.75 58.24 58.56

- - - - - - - -

1 - 0.1 - 12.95 - 100.00 -

3 1 0.4 0.1 11.37 10.52 100.00 97.25

1 3 0.2 0.5 10.52 10.52 100.00 99.23

26 20 6.7 4.7 11.17 10.52 97.60 86.66

62 52 18.2 15.7 10.80 10.75 82.03 88.06

98 48 32.8 16.1 10.74 10.91 72.88 74.96

239 145 113.4 68.8 10.60 10.67 74.78 74.45

188 138 118.2 88.5 10.63 10.66 72.08 73.36

269 199 239.1 178.0 10.57 10.64 71.12 71.34

185 113 223.3 138.9 10.59 10.60 68.42 70.23

158 132 266.0 235.0 10.55 10.58 68.41 72.03

56 39 134.1 97.7 10.52 10.52 68.44 71.96

24 27 68.5 85.8 10.52 10.52 63.49 69.77

20 13 86.8 60.1 10.57 10.52 54.34 64.51

1,330 930 1,307.8 990.0 10.58 10.60 71.98 73.55

Scotiabank

Santander

Número de Créditos Monto del Crédito Otorgado Tasa de Interés2/

Otorgados (mdp) (%)


Otorgados (mdp) (%)

Jul-11 Ago-11 Jul-11 Ago-11 Jul-11 Ago-11


50

Cartera de ViviendaInformación de Créditos Otorgados en el MesDistribución por Nivel de Financiamiento (LTV) Importante: Cifras sin subsidiarias

Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %

Más de 50 y hasta 60%





Más de 95 hasta 100%

Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Fuente: Portafolio de Información CNBV. 1/ Nivel de Financiamiento o LTV por sus siglas en inglés (Loan To Value): Se refiere al indicador que mide el porcentaje que representa el monto financiado en términos del valor de la


2/ Tasa de interés promedio ponderado por monto de crédito, para créditos en moneda nacional. En los rangos que sólo contengan créditos en moneda distinta a la nacional, no se mostrará tasa de interés.

2 - 1.3 - 13.21 -

2 1 4.1 2.5 11.99 11.99

- 1 - 5.0 - 11.99

1 - 2.0 - 11.99 -

2 6 0.8 10.5 11.99 13.98

- - - - - -

- - - - - -

- - - - - -

- 1 - 1.5 - 11.99

7 9 8.3 19.5 12.19 13.10

10 13 3.5 5.3 10.95 11.55

117 153 58.8 73.0 11.49 11.36

163 239 75.9 112.2 11.00 11.44

418 451 193.6 205.0 11.43 11.41

647 785 313.9 394.4 11.48 11.17

846 1,061 436.6 539.8 11.54 11.08

886 1,017 512.4 588.5 - -

- - - - - -

- - - - - -

3,087 3,719 1,594.6 1,918.2 11.37 11.29

Afirme

Banamex


Otorgados (mdp) (%)


Otorgados (mdp) (%)



51


Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total




- 1 - 1.0 - 11.50

- 3 - 2.8 - 11.50

3 - 5.5 - 11.54 -

2 3 4.6 4.4 11.35 11.64

3 13 4.7 25.0 11.59 11.52

1 4 1.3 4.2 11.75 11.62

- - - - - -

- - - - - -

- - - - - -

9 24 16.1 37.3 11.51 11.54

1 - 0.3 - 12.50 -

11 11 10.6 7.7 11.58 11.80

8 5 9.6 5.0 12.26 12.03

10 10 8.6 7.8 11.94 12.33

30 14 39.7 13.7 12.30 12.09

2 3 1.9 1.5 12.32 12.31

- - - - - -

- - - - - -

- - - - - -

62 43 70.7 35.7 12.15 12.08

Banca Mifel

Banco del Bajío


Otorgados (mdp) (%)


Otorgados (mdp) (%)



52


Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total




32 28 9.0 7.0 12.41 11.50

117 145 76.2 95.2 11.65 10.95

100 101 93.1 100.2 11.34 10.81

127 133 119.9 117.5 11.19 11.02

172 207 177.3 219.8 11.17 10.93

317 371 311.6 356.4 11.23 10.96

38 25 40.8 32.7 10.93 10.54

35 65 36.6 66.1 10.48 10.48

- - - - - -

938 1,075 864.4 994.8 11.22 10.90

1 1 0.5 0.7 10.50 13.50

1 8 0.5 10.0 10.50 10.53

4 3 9.0 1.5 10.50 10.50

8 3 10.0 1.8 10.52 10.50

12 17 27.8 30.2 10.92 10.72

3 7 3.9 12.1 10.75 10.70

- - - - - -

- - - - - -

- - - - - -

29 39 51.6 56.2 10.75 10.70

Banorte

Banregio


Otorgados (mdp) (%)


Otorgados (mdp) (%)



53


Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total




67 80 11.8 13.6 11.41 11.62

316 337 121.4 141.9 11.84 11.77

201 237 110.5 123.5 11.67 11.70

273 319 235.6 252.0 11.37 11.39

331 353 287.6 329.3 11.36 11.47

1,165 1,149 876.8 920.8 11.35 11.36

79 114 50.3 77.4 12.35 12.10

41 50 39.9 40.3 10.67 10.98

- - - - - -

2,473 2,639 1,734.0 1,898.9 11.42 11.46

3 4 1.1 1.6 11.34 11.01

52 54 49.2 38.2 10.60 10.76

41 33 36.1 28.4 10.74 10.74

50 83 50.8 72.5 10.69 10.70

37 27 40.6 27.8 10.60 10.52

55 60 57.9 55.2 10.58 10.67

- - - - - -

3 - 3.8 - 10.44 -

1 - 0.5 - 10.49 -

242 261 240.0 223.7 10.64 10.69

BBVA Bancomer

HSBC


Otorgados (mdp) (%)


Otorgados (mdp) (%)



54


Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total




1 1 0.4 0.6 12.70 12.00

5 3 4.6 1.2 12.81 13.86

1 1 1.6 0.9 11.00 12.00

1 1 1.1 1.2 12.00 12.90

1 - 1.1 - 12.90 -

1 1 0.8 1.3 13.30 12.90

1 1 0.5 1.7 13.30 12.90

- - - - - -

- - - - - -

11 8 10.2 6.9 12.50 12.87

- - - - - -

1 - 7.0 - 6.82 -

- - - - - -

- - - - - -

- 1 - 3.0 - 6.79

- - - - - -

- 1 - 1.4 - 6.79

- - - - - -

- - - - - -

1 2 7.0 4.4 6.82 6.79

Inbursa

Interacciones


Otorgados (mdp) (%)


Otorgados (mdp) (%)



55


Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total




- 1 - 0.5 - 11.00

- 1 - 3.2 - 11.75

- 2 - 2.8 - 11.51

- - - - - -

2 2 3.1 2.1 9.24 12.50

- - - - - -

- - - - - -

- - - - - -

- - - - - -

2 6 3.1 8.6 9.24 11.82

17 33 3.4 6.1 10.75 11.08

88 139 61.5 87.2 10.66 10.69

105 138 93.7 118.9 10.69 10.56

123 127 145.5 139.9 10.63 10.67

184 203 222.3 243.4 10.58 10.54

278 365 367.0 480.4 10.56 10.55

32 41 39.1 54.4 10.58 10.55

103 253 57.4 207.5 10.61 10.54

- - - - - -

930 1,299 990.0 1,337.9 10.60 10.57

Ixe

Santander


Otorgados (mdp) (%)


Otorgados (mdp) (%)



56


Rangos por LTV1/

Rangos por LTV1/

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total

Menor a 25%

Entre 25 y 50 %







Más de 100%

Total




37 30 17.0 23.5 11.18 10.63

185 192 209.1 213.0 10.98 10.72

74 78 80.9 79.9 11.13 10.75

113 114 158.1 146.5 11.17 10.72

202 186 275.6 248.5 11.17 10.71

14 37 14.4 51.7 11.78 11.05

5 4 6.9 7.6 11.39 11.16

- - - - - -

- - - - - -

630 641 762.1 770.5 11.13 10.75

45 17 11.9 3.4 11.01 10.75

139 88 91.8 61.5 10.66 10.66

165 105 139.0 93.7 10.59 10.69

179 123 192.9 145.5 10.60 10.63

228 184 275.7 222.3 10.56 10.58

378 278 455.5 367.0 10.54 10.56

44 32 50.5 39.1 10.52 10.58

152 103 90.6 57.4 10.66 10.61

- - - - - -

1,330 930 1,307.8 990.0 10.58 10.60

Scotiabank

Santander

57

IV. Estados Financieros

Estados Financieros consolidados con Subsidiarias

En esta sección se presentan los Estados Financieros. La información se expone conforme a lo reportado por las instituciones a través de los reportes regulatorios requeridos por esta Comisión.

Estados Financieros Agosto 2011

Balance General(Millones de pesos)

Activo Disponibilidades Cuentas de margen Inversiones en valores Deudores por reporto (Saldo Deudor) Préstamo de valores Derivados Ajustes de valuación por cobertura de activos financieros Cartera de crédito vigente Créditos comerciales Créditos de consumo Créditos a la vivienda Cartera de crédito vencida Créditos comerciales Créditos de consumo Créditos a la vivienda Estimación preventiva para riesgos crediticios Créditos comerciales Créditos de consumo Créditos a la vivienda Operaciones Contingentes y Avales Estimación Preventiva para Riesgos Crediticios Adicional Derechos de cobro adquiridos Estimación por irrecuperabilidad o difícil cobro Beneficios por recibir en operaciones de bursatilización Otras cuentas por cobrar Bienes adjudicados Inmuebles, mobiliario y equipo (neto) Inversiones permanentes en acciones Activos de larga duración disponibles para la venta Impuestos y ptu diferidos (a favor) Otros activosPasivo Captación tradicional Depósitos de exigibilidad inmediata Depósitos a plazo Títulos de crédito emitidos Préstamos interbancarios y de otros organismos Valores asignados por liquidar Acreedores por reporto Préstamo de valores Colaterales vendidos o dados en garantía Derivados Ajustes de valuación por cobertura de pasivos financieros Obligaciones en operaciones de bursatilización Impuestos a la utilidad por pagar Acreedores diversos y otras cuentas por pagar Obligaciones subordinadas en circulación Impuestos y ptu diferidos (neto) Créditos diferidos

Capital Contable Capital contribuido Capital social Aportaciones para futuros aumentos de capital formalizadas por su órgano de gobierno Primas en venta de acciones Obligaciones subordinadas en circulación Capital ganado Reservas de capital Resultado de ejercicios anteriores Resultado por valuación de títulos disponibles para la venta Resultado por valuación de instrumentos de cobertura de flujos de efectivo Efecto acumulado por conversión Resultado por tenencia de activos no monetarios Resultado neto Participación no controladora

Cuentas de Orden Avales otorgados Compromisos crediticios

58

Actinver Afirme American Autofin Express

5,286.1 81,997.5 16,861.5 3,855.3 245.1 2,722.7 1,900.2 142.9 0.0 0.0 0.0 0.0 3,646.9 59,731.0 0.0 951.7 92.4 1,200.7 5,760.0 486.9 0.0 0.0 0.0 0.0 0.0 6.3 0.0 0.0 0.0 117.9 0.0 0.0 903.6 10,216.3 7,163.4 2,205.3 551.8 7,705.7 0.0 1,620.5 351.7 1,369.4 7,163.4 574.5 0.0 1,141.3 0.0 10.2 0.0 508.3 328.3 38.9 0.0 196.6 0.0 7.7 0.0 146.5 328.3 30.4 0.0 165.2 0.0 0.7 (5.8) (537.5) (1,002.0) (41.7) (2.8) (238.1) 0.0 (12.7) (3.1) (210.7) (990.0) (28.7) 0.0 (46.8) 0.0 (0.3) 0.0 (3.4) 0.0 0.0 0.0 (38.5) (12.0) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 232.5 7,015.1 333.7 17.6 0.0 32.0 0.0 0.0 57.6 637.8 0.0 11.3 2.5 116.9 30.0 1.8 0.0 0.0 0.0 0.0 0.6 80.1 1,939.3 5.1 110.7 150.0 408.6 35.5 4,372.4 79,347.8 13,155.5 3,312.6 1,243.2 14,439.5 6,827.1 2,091.3 216.6 7,540.6 1,382.3 144.9 1,026.5 6,898.9 5,444.8 1,946.5 0.0 0.0 0.0 0.0 0.0 122.7 4,404.3 250.6 0.0 0.0 0.0 0.0 2,927.9 61,711.3 0.0 901.0 0.0 0.0 0.0 0.0 0.0 1,200.7 0.0 0.0 0.0 118.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 20.2 14.3 383.9 0.0 171.8 1,103.9 895.4 55.1 0.0 564.4 502.2 0.0 0.0 0.0 0.0 0.0 9.3 72.9 142.5 14.6 913.6 2,649.7 3,706.0 542.7 824.4 2,028.4 1,220.5 742.1 824.4 2,028.4 1,220.5 742.1

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 89.3 621.3 2,485.5 (199.4) 4.9 487.9 185.3 0.0 48.9 0.0 1,752.6 (199.7)

8.3 0.0 0.0 0.9

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 27.2 133.4 547.7 (0.5) 0.0 0.0 0.0 0.0 0.0 1,197.5 0.0 0.0 125.8 2,498.8 0.0 510.6

59


Estado de Resultados(Millones de pesos)

Ingresos por intereses

Intereses de disponibilidades

Intereses y rendimientos a favor

provenientes de cuentas de margen


provenientes de inversiones en valores

Intereses y rendimientos a favor en operaciones de reporto

Ingresos provenientes de operaciones de cobertura

Intereses de cartera de crédito vigente

Intereses de cartera de crédito vencida

Comisiones por el otorgamiento inicial del crédito

Premios a favor en operaciones de préstamo de valores

Premios por colocación de deuda

Dividendos de instrumentos de patrimonio neto

Utilidad por valorización

Incremento por actualización de ingresos por intereses

Gastos por intereses

Intereses por depósitos de exigibilidad inmediata

Intereses por depósitos a plazo

Intereses por títulos de crédito emitidos

Intereses por prestamos interbancarios y de otros organismos

Intereses por obligaciones subordinadas

Intereses y rendimientos a cargo en operaciones de reporto

Gastos provenientes de operaciones de cobertura

Premios a cargo en operaciones de préstamo de valores

Descuentos por colocación de deuda

Gastos de emisión por colocación de deuda

Costos o gastos asociados con el

otorgamiento inicial del crédito para la vivienda

Perdida por valorización

Incremento por actualización de gastos por intereses

Resultado por posición monetaria

Margen financiero

Estimación preventiva para riesgos crediticios

Margen financiero ajustado por riesgos crediticios

Comisiones y tarifas cobradas

Comisiones y tarifas pagadas

Resultado por intermediación

Otros ingresos (egresos) de la operación

Gastos de administración y promoción

Resultado de operación

Participación en el resultado de subsidiarias y asociadas

Resultado antes de impuestos a la utilidad

Impuestos a la utilidad causados

Impuestos a la utilidad diferidos (netos)

Resultado antes de operaciones discontinuas

Operaciones discontinuadas

Resultado Neto

Participación no controladora

Resultado neto incluyendo participación de la controladora

Actinver Afirme American Autofin Express

173.7 2,826.5 1,576.5 180.3

2.9 57.0 55.0 6.1

0.0 0.0 0.0 0.0

137.7 45.3 0.0 6.9

1.5 1,555.6 148.3 9.9

0.0 0.0 0.0 0.0

28.7 984.0 1,372.8 152.3

0.0 0.0 0.0 0.0

2.9 52.8 0.0 4.9

0.0 96.7 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 35.0 0.5 0.2

0.0 0.0 0.0 0.0

118.5 1,775.8 347.9 81.3

0.0 88.1 30.7 1.0

12.8 232.8 152.1 55.8

0.0 0.0 0.0 0.0

0.0 6.8 147.5 12.3

0.0 28.8 17.7 0.0

105.7 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 1,418.7 0.0 6.4

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.6 0.0 5.7

0.0 0.0 0.0 0.2

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

55.2 1,050.7 1,228.6 99.0

2.5 190.1 590.9 11.5

52.7 860.6 637.7 87.4

388.5 343.7 1,120.1 24.6

6.3 74.5 0.0 11.4

22.7 85.0 0.0 3.4

296.4 51.7 354.8 16.3

716.7 1,116.6 1,295.5 121.8

37.3 150.0 817.1 (1.4)

0.0 21.7 (0.7) 0.9

37.3 171.7 816.4 (0.5)

13.8 80.5 454.1 0.0

3.6 42.2 185.4 0.0

27.2 133.4 547.7 (0.5)

0.0 0.0 0.0 0.0

27.2 133.4 547.7 (0.5)

0.0 0.0 0.0 0.0

27.2 133.4 547.7 (0.5)






60

Banamex Banca Mifel Banco Ahorro Banco Amigo Famsa

1,048,408.8 32,257.1 12,640.1 3,145.8 137,298.6 1,908.3 424.0 166.3 9,923.6 0.0 0.0 0.0 404,544.6 14,738.6 0.0 0.0 2,125.2 0.0 945.1 132.9 0.0 0.0 0.0 0.0 35,890.8 43.4 0.0 0.0 0.0 171.1 0.0 0.0 314,345.4 13,118.0 9,959.7 2,221.4 219,564.6 12,323.0 1,921.7 1,955.2 40,426.6 29.7 8,019.1 3.8 54,354.1 765.4 18.9 262.4 2,748.5 676.4 1,582.8 98.3 533.6 557.6 8.8 98.3 1,533.7 9.9 1,574.0 0.0 681.2 108.9 0.0 0.0 (8,091.1) (434.6) (2,117.6) (118.3) (4,150.1) (407.2) (18.4) (110.8) (2,611.4) (4.8) (2,035.5) (0.9) (978.1) (13.4) (0.0) (2.8) (192.7) (0.2) 0.0 0.0 (158.9) (9.1) (63.6) (3.8) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 189.4 0.0 0.0 0.0 78,479.4 1,127.0 370.5 103.3 4.6 10.8 0.0 206.1 5,804.3 177.0 436.2 57.6 36,635.8 3.2 17.4 2.9 0.0 0.0 0.0 0.0 8,869.9 165.2 223.9 156.3 19,639.7 552.8 798.1 119.0 920,443.9 30,889.7 10,736.5 2,388.4 445,975.7 16,500.8 9,788.3 841.8 304,675.0 5,738.8 3,260.2 74.5 116,063.9 10,693.3 6,528.1 767.2 25,236.8 68.7 0.0 0.0 42,234.6 3,607.4 244.6 1,251.5 0.0 0.0 0.0 0.0 250,988.7 8,318.0 0.0 0.0 0.0 0.0 0.0 0.0 16,953.7 0.0 0.0 0.0 38,913.5 192.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 195.0 0.0 123,149.3 881.7 127.1 166.3 0.0 1,249.1 0.0 115.2 0.0 0.0 0.0 0.0 2,228.5 139.8 381.6 13.7 127,964.8 1,367.4 1,903.6 757.3 37,853.8 1,171.1 1,540.5 719.3 35,318.7 1,171.1 1,540.5 672.1 0.0 0.0 0.0 0.0 2,535.0 0.0 0.0 47.1 0.0 0.0 0.0 0.0 90,111.1 196.3 363.1 38.1 83,861.8 99.0 41.2 3.9 (36.9) 41.1 79.2 64.9 728.0 5.7 0.0 0.0 (486.0) (17.0) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 6,044.1 67.4 242.8 (30.8) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 104,772.7 73.3 0.0 0.0

61



































Margen financiero















Resultado Neto



Banamex Banca Mifel Banco Ahorro Banco Amigo Famsa

40,974.9 1,656.3 1,054.4 179.8

2,394.2 36.3 10.0 3.2

26.5 0.0 0.0 0.0

4,893.1 351.2 21.7 0.0

11,898.5 361.4 6.7 0.0

0.0 0.0 0.0 0.0

20,366.4 858.6 1,003.6 162.0

137.8 15.2 8.9 0.0

636.5 33.5 3.5 9.0

585.2 0.0 0.0 5.6

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

36.5 0.0 0.0 0.0

0.0 0.0 0.0 0.0

15,274.8 1,180.4 356.4 90.2

1,810.4 87.9 173.6 0.0

2,322.3 422.2 179.0 20.7

985.3 0.5 0.0 0.0

359.2 142.7 3.7 60.0

0.0 92.2 0.0 9.5

9,017.9 337.9 0.0 0.0

0.0 0.0 0.0 0.0

772.8 0.0 0.0 0.0

0.0 1.5 0.0 0.0

0.0 0.0 0.0 0.0

7.0 0.0 0.0 0.0

0.0 95.6 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

25,700.1 475.9 698.1 89.7

4,486.4 7.2 1,169.6 37.3

21,213.6 468.7 (471.6) 52.4

5,025.8 73.4 1,106.2 95.9

2,047.9 31.7 8.1 40.6

(1,921.2) 171.4 0.6 0.0

6,982.7 (69.8) 783.3 (15.0)

25,287.8 608.7 1,081.7 122.5

3,965.1 3.3 328.8 (29.8)

2,978.4 0.3 3.6 0.9

6,943.6 3.6 332.4 (28.9)

1,667.2 0.0 195.0 6.6

767.7 63.8 105.3 4.7

6,044.1 67.4 242.8 (30.8)

0.0 0.0 0.0 0.0

6,044.1 67.4 242.8 (30.8)

0.0 0.0 0.0 0.0

6,044.1 67.4 242.8 (30.8)






62

Banco Azteca Banco Credit Banco del Bajío Banco Fácil Suisse

70,892.7 19,552.3 85,265.5 164.6 14,081.2 1,865.7 9,795.9 54.8 0.0 0.0 0.0 0.0 13,487.6 4,068.9 4,129.4 0.5 5,268.5 35.0 0.0 1.8 0.0 0.0 0.0 0.0 105.6 6,005.2 159.6 0.0 302.6 0.0 0.0 0.0 32,296.2 5.7 63,002.3 74.0 9,991.8 5.7 56,724.8 0.0 21,731.6 0.0 439.9 74.0 572.8 0.0 5,837.6 0.0 1,266.7 0.0 1,942.4 10.1 82.8 0.0 1,325.6 0.0 1,068.9 0.0 14.5 10.1 115.1 0.0 602.3 0.0 (2,126.0) (0.0) (1,782.3) (17.9) (200.8) (0.0) (1,402.3) 0.0 (1,449.2) 0.0 (54.2) (17.9) (29.0) 0.0 (312.1) 0.0 (0.4) 0.0 (9.4) 0.0 (446.6) 0.0 (4.3) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,686.0 7,563.5 3,196.9 4.1 142.9 0.0 464.0 0.0 1,003.9 1.2 1,953.0 10.2 508.4 0.0 1,130.8 1.5 0.0 0.0 0.0 0.0 384.7 5.2 215.3 0.8 2,484.4 2.1 1,058.0 24.6 65,421.4 17,507.7 74,213.9 48.7 53,524.7 837.1 50,111.3 0.0 51,323.0 0.0 17,516.8 0.0 2,201.7 837.1 31,778.7 0.0 0.0 0.0 815.7 0.0 326.5 2,704.3 14,688.7 23.2 0.0 0.0 0.0 0.0 2,946.0 563.0 2,339.2 0.0 0.0 0.0 0.0 0.0 2,882.8 382.6 0.0 0.0 251.1 4,609.5 78.1 0.0 149.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,393.7 0.0 172.8 0.0 2,942.1 8,411.1 6,490.0 23.0 1,004.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 333.8 2.5 5,471.2 2,044.6 11,051.6 115.9 2,448.9 1,872.2 7,705.7 783.0 2,448.9 1,872.2 2,427.0 783.0 0.0 0.0 0.0 0.0 0.0 0.0 5,278.7 0.0 0.0 0.0 0.0 0.0 3,022.3 172.5 3,345.9 (667.1) 1,163.6 12.2 2,790.4 0.0 1,307.5 7.7 (0.0) (651.5) 0.0 0.0 0.0 0.1 0.0 0.0 0.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 (6.6) (0.1) 551.2 152.6 561.4 (15.6) 0.0 0.0 0.0 0.0 0.0 12.0 0.0 0.0 166.0 0.0 2,625.9 0.0

63



































Margen financiero















Resultado Neto



Banco Azteca Banco Credit Banco del Bajío Banco Fácil Suisse

17,248.7 220.1 4,015.6 30.4

319.5 1.0 191.8 1.5

0.0 0.0 0.0 0.0

342.2 121.5 72.0 0.0

220.4 97.5 111.6 0.1

187.1 0.0 0.0 0.0

15,655.4 0.1 3,419.5 28.8

242.3 0.0 0.0 0.0

15.9 0.0 220.7 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

266.1 0.0 0.0 0.0

0.0 0.0 0.0 0.0

1,416.2 156.2 1,735.5 1.8

793.8 0.0 275.3 0.0

65.3 23.7 929.6 0.0

0.0 0.0 41.9 0.0

9.3 28.4 385.5 1.8

42.8 0.0 0.0 0.0

172.2 102.4 103.2 0.0

109.5 0.0 0.0 0.0

0.0 1.7 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

223.2 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

15,832.6 63.9 2,280.0 28.5

1,285.1 0.0 247.9 12.2

14,547.5 63.8 2,032.2 16.3

405.3 47.1 458.2 17.4

199.2 19.5 157.4 0.9

305.8 317.3 122.2 0.0

370.4 93.6 (33.0) 3.4

14,707.3 284.4 1,809.1 50.9

722.5 218.0 613.1 (14.7)

49.3 0.0 97.3 0.0

771.8 218.0 710.3 (14.7)

344.2 0.0 175.3 0.0

123.7 (65.4) 26.3 (0.9)

551.2 152.6 561.4 (15.6)

0.0 0.0 0.0 0.0

551.2 152.6 561.4 (15.6)

0.0 0.0 0.0 0.0

551.2 152.6 561.4 (15.6)






64

Banco Wal-Mart Bancoppel Bank of America Bank of Tokyo- Mitsubishi UFJ

3,409.1 12,058.3 79,715.5 6,409.1 128.1 739.7 7,324.4 2,600.0 0.0 0.0 221.8 0.0 0.0 6,698.3 20,461.6 2,399.4 412.0 0.0 14,384.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 20,494.4 25.9 0.0 0.0 0.0 0.0 1,848.6 4,096.0 1,958.9 1,147.0 1,005.6 241.4 1,953.9 1,147.0 842.9 3,854.6 0.0 0.0 0.0 0.0 5.0 0.0 49.3 860.0 0.0 0.0 8.2 0.0 0.0 0.0 41.1 860.0 0.0 0.0 0.0 0.0 0.0 0.0 (146.0) (1,202.2) (21.1) (74.4) (10.2) (2.4) (21.1) (73.6) (131.5) (1,111.4) 0.0 0.0 0.0 0.0 (0.0) 0.0 0.0 0.0 0.0 (0.8) (4.2) (88.4) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 134.7 49.2 14,618.2 274.2 0.0 0.0 0.0 0.0 2.2 75.0 90.4 3.1 2.8 2.9 0.0 3.7 0.0 0.0 0.0 0.0 908.2 353.1 74.4 25.7 69.2 386.4 107.8 4.4 2,127.1 10,675.2 75,365.9 5,667.0 1,798.6 10,385.8 2,778.2 4,067.6 579.0 9,309.4 2,567.3 2,777.4 1,219.6 1,076.4 210.9 1,290.2 0.0 0.0 0.0 0.0 0.0 0.0 24,456.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 922.4 1,227.1 0.0 0.0 0.1 0.0 0.0 0.0 6,629.8 0.0 0.0 0.0 19,146.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 258.8 0.0 292.5 289.3 21,157.6 370.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 36.0 0.0 15.6 1.6 1,282.0 1,383.1 4,349.6 742.1 3,319.9 2,080.5 2,918.2 696.2 3,319.9 2,080.5 2,918.2 696.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 (2,037.9) (697.4) 1,431.4 45.9 0.0 0.0 194.7 32.6 (1,668.0) (719.3) 594.0 28.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 (369.8) 21.9 642.7 (15.4) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 2,173.5 4,554.2 1,466.2 5,307.6

65



































Margen financiero















Resultado Neto



Banco Wal-Mart Bancoppel Bank of America Bank of Tokyo- Mitsubishi UFJ

142.6 1,669.4 2,298.4 148.4

0.8 15.0 49.6 47.3

0.0 0.0 6.0 0.0

0.0 399.6 366.7 38.5

16.4 0.0 1,830.9 35.6

0.0 0.0 0.0 0.0

125.4 1,087.3 23.6 27.0

0.0 167.1 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.3 21.7 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

35.4 218.6 1,697.8 68.8

3.0 166.8 27.6 1.6

32.4 37.4 5.7 26.0

0.0 0.0 0.0 0.0

0.0 0.0 37.8 0.0

0.0 0.0 0.0 0.0

0.0 0.0 1,200.7 41.2

0.0 0.0 0.0 0.0

0.0 0.0 16.1 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 13.9 0.0 0.0

0.0 0.5 410.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

107.2 1,450.7 600.5 79.6

127.9 954.9 0.3 21.7

(20.7) 495.8 600.2 57.9

162.0 513.9 54.0 9.8

4.1 5.1 19.7 3.2

(0.0) (0.5) 440.0 7.4

5.8 (16.7) 243.7 4.4

698.2 895.3 411.0 91.4

(555.2) 92.1 907.2 (15.2)

0.0 0.0 0.0 0.0

(555.2) 92.1 907.2 (15.2)

0.0 46.1 267.4 0.0

185.4 (24.1) 2.8 (0.2)

(369.8) 21.9 642.7 (15.4)

0.0 0.0 0.0 0.0

(369.8) 21.9 642.7 (15.4)

0.0 0.0 0.0 0.0

(369.8) 21.9 642.7 (15.4)






66

Banorte Banregio Bansí Barclays

563,358.0 49,996.7 15,630.1 31,205.2 49,142.4 2,621.4 782.9 1,073.2 196.2 0.0 1.5 146.4 194,007.0 24,305.1 5,739.4 15,262.5 520.3 0.0 0.0 0.0 0.0 0.0 0.0 0.0 14,581.0 0.0 0.1 6,054.1 0.0 0.0 0.4 0.0 268,540.1 22,306.1 6,301.8 0.0 179,548.6 18,079.2 6,264.5 0.0 31,056.7 886.0 21.2 0.0 57,934.8 3,340.9 16.0 0.0 6,166.7 400.7 199.6 0.0 4,052.8 211.8 198.7 0.0 1,328.7 24.4 0.9 0.0 785.1 164.5 0.0 0.0 (9,144.2) (777.7) (571.3) 0.0 (4,898.8) (552.4) (566.1) 0.0 (3,345.8) (94.4) (2.8) 0.0 (742.0) (95.1) (0.2) 0.0 (67.1) (0.5) (2.2) 0.0 (90.4) (35.4) 0.0 0.0 1,833.3 8.9 0.0 0.0 0.0 0.0 0.0 0.0 899.5 0.0 0.0 0.0 11,928.6 232.2 2,947.8 8,566.4 559.3 75.9 108.6 0.0 7,199.4 162.6 70.8 31.5 9,138.8 552.0 22.6 0.0 0.0 0.0 0.0 0.0 1,471.5 53.0 23.8 67.5 6,318.2 56.6 2.1 3.6 516,350.9 45,629.7 14,486.7 28,323.1 282,210.1 18,912.3 5,041.0 0.0 145,481.2 8,827.3 609.6 0.0 133,005.1 10,085.0 4,431.4 0.0 3,723.8 0.0 0.0 0.0 8,522.9 1,116.5 959.5 0.0 1,237.8 0.0 0.0 8,421.9 161,933.9 24,093.7 5,691.9 7,187.9 0.0 0.0 0.0 0.0 49.3 0.0 0.0 517.7 18,027.3 38.2 0.4 5,609.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 395.7 75.7 29.2 0.0 24,879.1 514.4 2,708.1 6,586.5 17,656.8 752.5 0.0 0.0 0.0 0.0 0.0 0.0 1,437.9 126.4 56.7 0.0 47,007.0 4,367.0 1,143.4 2,882.1 13,979.6 3,071.8 650.7 2,163.6 11,487.6 3,066.7 650.7 2,163.6 0.0 0.0 0.0 0.0 2,492.0 5.2 0.0 0.0 0.0 0.0 0.0 0.0 33,027.5 1,295.2 492.7 718.5 5,775.6 900.4 47.8 22.3 26,370.0 0.0 378.3 (106.1) 314.1 16.9 0.0 0.0 (3,075.9) (26.1) 0.0 0.0 (821.4) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4,465.1 404.0 66.7 802.3 0.0 0.0 0.0 0.0 0.0 15.9 0.0 0.0 3,635.7 27,048.6 52.0 0.0

67



































Margen financiero















Resultado Neto



Banorte Banregio Bansí Barclays

28,133.8 2,490.7 700.5 376.6

938.4 49.4 14.6 3.2

13.9 0.0 0.0 2.6

6,259.6 792.9 7.3 81.9

880.6 87.6 222.1 288.9

1,594.8 0.0 0.0 0.0

17,738.6 1,483.1 423.8 0.0

252.7 20.4 10.7 0.0

450.2 57.3 22.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

4.9 0.0 0.0 0.0

0.0 0.0 0.0 0.0

13,019.8 1,271.6 409.5 298.9

447.3 11.2 7.5 0.4

3,164.5 393.5 141.9 0.0

108.3 0.0 0.0 0.0

319.4 27.4 40.7 0.0

699.3 31.1 0.0 0.0

5,983.9 808.4 219.5 295.2

2,179.1 0.0 0.0 0.0

0.0 0.0 0.0 3.3

1.4 0.0 0.0 0.0

6.0 0.0 0.0 0.0

104.3 0.0 0.0 0.0

6.2 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

15,113.9 1,219.1 290.9 77.7

3,619.8 148.0 88.6 0.0

11,494.1 1,071.1 202.3 77.7

4,190.0 192.4 218.1 0.0

981.3 63.1 171.1 20.3

691.4 73.5 29.3 841.5

1,100.0 211.8 1.5 72.0

10,862.7 1,017.8 184.7 192.7

5,631.5 467.9 95.5 778.2

547.2 51.0 0.0 0.0

6,178.6 518.9 95.5 778.2

1,495.4 145.2 29.2 0.0

(218.1) 30.4 0.3 24.0

4,465.1 404.0 66.7 802.3

0.0 0.0 0.0 0.0

4,465.1 404.0 66.7 802.3

0.0 0.0 0.0 0.0

4,465.1 404.0 66.7 802.3






68

BBVA CIBanco Compartamos Deutsche Bank Bancomer

1,162,228.7 18,924.1 13,723.8 175,703.6 88,914.2 5,715.1 1,001.2 3,266.9 3,322.0 0.0 0.0 905.1 330,154.2 5,670.6 199.6 20,743.3 3,058.3 0.0 0.0 3,778.0 0.0 0.0 0.0 0.0 75,985.7 2.1 0.0 127,817.9 2,130.9 0.0 0.0 0.0 568,229.0 2,740.2 12,008.5 731.6 297,023.1 2,623.6 864.0 731.6 133,737.0 116.6 11,144.5 0.0 137,468.9 0.0 0.0 0.0 19,822.3 1.3 224.0 0.0 7,060.3 0.0 0.0 0.0 5,743.7 1.3 224.0 0.0 7,018.3 0.0 0.0 0.0 (25,793.0) (18.0) (401.9) (3.8) (6,331.3) (14.4) (4.3) (3.7) (11,479.5) (2.8) (397.6) 0.0 (4,008.3) 0.0 0.0 0.0 (74.3) (0.8) 0.0 (0.2) (3,899.7) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 1,799.0 0.0 0.0 0.0 53,537.8 4,385.1 140.8 18,304.3 3,210.6 3.6 0.0 0.0 15,122.8 316.9 342.6 0.0 6,441.8 3.4 0.2 0.0 0.0 0.0 0.0 0.0 6,484.6 0.0 126.0 19.7 9,808.4 103.7 82.8 140.8 1,049,192.8 18,096.1 7,270.8 173,229.6 634,388.6 8,292.6 3,011.4 2,010.6 397,619.3 359.4 0.9 0.0 182,010.7 7,933.2 503.2 2,010.6 54,758.7 0.0 2,507.2 0.0 31,297.4 40.8 3,322.3 3,210.5 0.0 0.0 0.0 0.0 150,546.4 2,648.8 0.0 11,680.6 1.5 0.0 0.0 0.1 28,181.0 0.0 0.0 6,173.5 79,467.3 0.1 0.0 128,224.1 2,833.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 56.5 40.1 91.0 59,078.1 6,962.2 862.4 21,835.9 58,028.2 0.0 0.0 0.0 0.0 71.5 0.0 0.0 5,370.7 23.6 34.6 3.3 113,035.9 828.0 6,453.0 2,474.0 39,863.8 422.9 473.7 1,002.4 24,138.2 422.9 473.7 1,002.4 0.0 0.0 0.0 0.0 15,725.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 73,172.1 405.1 5,979.2 1,471.6 6,881.4 74.6 1,522.3 162.0 45,315.9 238.9 3,079.9 1,231.0 3,734.5 6.7 0.0 0.0 2,385.8 0.0 (6.5) 0.0 98.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 14,755.9 84.9 1,383.4 78.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 209,865.3 929.1 0.0 73.9

69



































Margen financiero















Resultado Neto



BBVA CIBanco Compartamos Deutsche Bank Bancomer

61,187.6 549.5 4,945.3 559.2

2,357.6 2.6 33.3 2.7

64.0 0.0 0.0 11.2

11,343.7 227.3 9.7 167.7

1,015.2 1.1 0.0 346.9

6.0 0.0 0.0 0.0

44,093.7 132.0 4,898.3 27.9

262.7 0.0 4.0 0.0

656.9 3.9 0.0 0.0

1.1 0.0 0.0 0.0

0.1 0.0 0.0 0.0

158.1 0.0 0.0 0.0

1,228.4 182.6 0.0 2.9

0.0 0.0 0.0 0.0

20,090.4 481.4 242.6 329.7

2,501.5 0.7 0.0 0.0

4,694.1 250.4 3.2 17.5

1,527.5 0.0 110.7 0.0

587.3 2.0 118.3 16.4

1,723.9 0.0 0.0 0.0

8,768.9 44.7 0.0 287.7

0.0 0.0 0.0 0.0

59.5 0.0 0.0 7.9

4.7 0.0 0.0 0.0

29.6 0.0 5.9 0.0

0.0 0.0 4.5 0.0

193.4 183.7 0.0 0.2

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

41,097.2 68.0 4,702.6 229.5

13,728.3 14.3 281.5 0.9

27,368.9 53.7 4,421.1 228.6

15,820.2 39.2 133.5 92.3

4,790.3 41.8 213.8 33.9

3,498.5 834.5 (3.8) 32.7

538.3 13.6 42.6 100.7

24,476.7 777.4 2,367.6 264.2

17,959.0 121.9 2,012.0 156.1

974.0 0.0 0.0 0.0

18,932.9 121.9 2,012.0 156.1

2,428.6 55.4 603.6 95.5

(1,748.4) 18.4 (25.0) 18.2

14,755.9 84.9 1,383.4 78.7

0.0 0.0 0.0 0.0

14,755.9 84.9 1,383.4 78.7

0.0 0.0 0.0 0.0

14,755.9 84.9 1,383.4 78.7






70

HSBC Inbursa ING Interacciones

492,626.8 197,165.3 150,359.5 85,948.6 59,326.2 19,589.7 1,217.8 4,773.4 1.8 868.6 1,543.4 0.0 153,978.8 11,849.7 89,142.9 23,723.6 1,229.6 5,745.3 0.0 0.0 0.0 0.0 0.0 0.0 42,115.7 10,081.8 24,215.7 3.7 0.0 2,422.4 0.0 0.0 178,630.7 147,286.6 4,027.2 47,647.5 131,725.6 137,950.3 4,027.2 47,454.7 29,074.1 8,121.0 0.0 8.4 17,831.0 1,215.2 0.0 184.3 5,147.4 5,080.1 0.0 364.0 1,982.8 4,838.7 0.0 351.4 1,307.3 155.6 0.0 1.3 1,857.2 85.8 0.0 11.3 (10,376.1) (20,868.6) (40.1) (1,365.2) (5,368.5) (19,369.6) (33.3) (1,348.1) (3,609.1) (1,182.4) 0.0 (1.0) (813.6) (91.9) 0.0 (6.0) (400.0) (83.7) 0.0 (10.1) (184.9) (141.1) (6.7) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 43,063.5 7,574.7 30,004.3 9,967.1 171.2 595.8 0.0 283.2 5,739.2 395.7 28.9 128.4 4,144.9 6,054.5 0.0 38.1 0.0 0.0 0.0 0.0 5,053.6 0.0 0.0 0.0 4,400.3 489.1 219.4 384.8 454,639.5 148,579.9 141,703.5 81,183.8 281,073.3 120,393.9 4,024.5 36,002.0 157,272.6 49,941.6 0.0 10,811.8 119,546.9 38,871.3 3,816.3 21,680.2 4,253.9 31,581.1 208.2 3,510.0 27,801.5 6,607.7 190.0 11,834.2 5,768.5 0.0 0.0 0.0 33,072.5 0.0 43,464.3 21,674.1 4.3 0.0 0.0 0.0 6,978.9 0.0 51,713.5 0.0 41,284.5 10,908.7 22,646.7 2.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 512.3 714.5 0.0 149.9 47,561.8 8,428.1 18,253.4 9,258.4 10,005.3 0.0 1,029.4 1,834.3 0.0 689.1 381.7 427.8 576.6 837.8 0.0 1.2 37,987.3 48,585.4 8,655.9 4,764.8 25,605.3 25,264.3 1,950.3 1,951.2 5,087.2 17,579.5 1,950.3 1,912.7 0.0 0.0 0.0 38.5 20,518.1 7,684.8 0.0 0.0 0.0 0.0 0.0 0.0 12,381.9 23,321.1 6,705.6 2,813.6 11,069.0 6,393.2 643.9 336.8 (303.1) 14,566.2 5,298.9 1,649.7 1,322.9 58.9 141.6 195.8 (559.2) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 265.3 0.0 0.0 852.3 2,037.3 621.2 631.4 0.0 0.0 0.0 0.0 16.5 3.4 0.0 0.0 18,563.5 4,643.7 0.0 626.4

71



































Margen financiero















Resultado Neto



HSBC Inbursa ING Interacciones

19,621.6 10,978.9 3,406.4 3,176.5

1,088.6 506.9 41.8 124.2

0.0 0.0 73.6 0.0

4,969.6 1,189.8 2,637.3 50.6

0.0 924.3 444.1 743.8

0.0 0.0 0.0 0.1

12,773.8 8,166.5 196.2 2,221.6

95.4 183.6 0.0 14.8

213.0 7.8 13.4 8.2

442.9 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 13.2

38.2 0.0 0.0 0.0

0.0 0.0 0.0 0.0

6,656.5 5,013.3 1,204.8 2,321.0

1,077.7 1,325.6 0.0 178.7

2,721.4 1,763.2 166.4 766.0

166.3 806.8 9.9 122.2

537.8 277.3 60.3 461.3

335.5 0.0 47.4 78.3

1,806.2 784.1 719.6 714.3

0.0 0.0 0.0 0.1

11.0 0.0 196.2 0.0

0.0 0.0 0.0 0.0

0.0 0.0 5.0 0.0

0.0 0.0 0.0 0.0

0.6 56.2 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

12,965.1 5,965.6 2,201.6 855.6

4,613.5 2,424.0 0.0 159.4

8,351.6 3,541.6 2,201.6 696.2

5,009.3 1,141.8 0.0 2,384.5

924.7 113.9 61.7 1,116.8

1,906.9 (1,193.8) (681.7) 134.2

3,188.4 227.7 38.1 66.8

16,989.5 1,893.2 282.1 1,295.7

542.0 1,710.2 1,214.3 869.2

406.6 683.8 0.0 0.6

948.6 2,394.0 1,214.3 869.8

407.2 776.5 1.7 238.5

311.0 419.9 (591.3) 0.0

852.3 2,037.3 621.2 631.4

0.0 0.0 0.0 0.0

852.3 2,037.3 621.2 631.4

0.0 0.0 0.0 0.0

852.3 2,037.3 621.2 631.4






72

Inter Banco Invex IXE J. P. Morgan

4,433.4 30,123.0 88,470.0 35,382.2 138.2 1,353.1 4,616.0 2,717.9 0.0 32.0 334.4 298.9 3,131.3 18,482.5 40,186.0 13,340.5 81.2 0.0 1,000.8 333.3 0.0 0.0 0.0 0.0 0.0 0.0 6,497.4 7,212.8 0.0 0.0 152.1 0.0 178.3 7,789.9 30,219.8 142.9 172.1 7,334.0 28,785.1 142.9 6.2 455.9 339.4 0.0 0.0 0.0 1,095.3 0.0 6.7 140.9 286.1 0.0 6.6 88.1 241.6 0.0 0.1 52.8 11.7 0.0 0.0 0.0 32.8 0.0 (8.6) (440.0) (480.0) (15.0) (8.6) (337.9) (436.5) (12.7) (0.0) (101.3) (31.5) 0.0 0.0 0.0 (12.0) 0.0 0.0 (0.7) 0.0 (2.3) 0.0 (0.0) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 870.9 2,558.4 4,084.8 11,011.4 0.0 83.5 0.0 0.0 0.0 33.5 528.1 63.6 2.8 65.6 457.6 222.3 0.0 0.0 0.0 0.0 0.0 0.0 34.0 0.0 32.7 23.5 553.0 53.6 3,941.6 27,623.0 83,897.5 31,002.2 12.9 9,671.0 31,158.6 676.2 12.8 440.3 13,693.4 676.2 0.1 8,942.5 17,465.2 0.0 0.0 288.2 0.0 0.0 19.2 2,001.0 5,874.2 601.2 0.0 0.0 0.0 0.0 3,131.7 13,089.2 31,629.9 3,874.6 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4,241.3 0.0 0.2 6,578.8 6,734.3 0.0 0.0 (269.3) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 776.2 2,827.7 5,679.7 14,755.0 0.0 0.0 3,126.5 0.0 0.0 19.0 0.0 119.7 1.6 14.8 119.1 0.1 491.9 2,500.0 4,572.4 4,380.0 424.3 1,097.7 4,041.8 3,758.1 424.3 1,097.7 3,239.5 3,758.1 0.0 0.0 0.0 0.0 0.0 0.0 802.4 0.0 0.0 0.0 0.0 0.0 67.6 1,402.3 530.6 621.9 51.0 142.0 214.1 1,161.9 0.0 793.4 191.1 (556.8) 0.0 339.6 32.7 0.0 0.0 0.0 (8.7) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 16.5 127.3 101.4 16.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 625.5 8,100.0 7,518.3 693.0

73



































Margen financiero















Resultado Neto



Inter Banco Invex IXE J. P. Morgan

118.9 1,203.8 3,410.9 408.5

1.0 28.8 95.1 14.9

0.0 2.1 0.3 4.8

87.3 463.2 327.7 186.8

9.0 113.8 1,173.7 194.2

0.0 0.0 0.0 0.0

11.6 568.3 1,717.8 7.9

0.0 0.3 0.0 0.0

10.0 22.2 90.7 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 1.9 5.6 0.0

0.1 3.2 0.0 0.0

0.0 0.0 0.0 0.0

84.2 787.0 2,113.6 278.6

0.0 0.0 138.2 6.3

0.7 252.1 503.5 0.0

0.0 6.9 0.0 0.0

0.5 72.7 204.5 3.8

0.0 0.0 149.7 0.0

0.4 455.3 1,116.5 143.5

0.0 0.0 0.0 0.0

82.6 0.0 0.0 124.9

0.0 0.0 1.1 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.1 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

34.7 416.8 1,297.3 130.0

1.7 129.4 125.4 12.1

33.1 287.4 1,172.0 117.9

0.7 282.8 566.8 6.5

1.1 15.4 176.1 33.0

(1.4) 80.8 457.6 328.0

2.2 22.9 76.6 87.0

13.2 493.8 1,972.4 255.3

20.3 164.7 124.6 251.0

0.0 14.1 (49.2) 7.6

20.3 178.8 75.4 258.6

2.3 0.0 0.0 0.0

(1.5) (51.5) 26.0 (241.8)

16.5 127.3 101.4 16.8

0.0 0.0 0.0 0.0

16.5 127.3 101.4 16.8

0.0 0.0 0.0 0.0

16.5 127.3 101.4 16.8






74

Monex Multiva Santander Scotiabank

26,797.9 18,255.9 786,098.9 189,785.1 1,940.0 2,373.0 99,045.1 17,536.6 737.0 0.1 8,668.9 107.0 6,729.4 5,223.1 213,847.5 31,279.4 129.7 0.0 13,457.8 2,740.7 0.0 0.0 0.0 0.0 656.6 0.0 108,703.9 3,986.9 0.0 0.0 166.5 219.2 3,088.1 9,293.6 282,340.2 111,672.3 2,815.4 8,956.9 242,584.7 54,630.7 0.0 326.9 0.0 15,275.0 272.7 9.8 39,755.5 41,766.6 70.6 279.5 2,500.7 3,218.6 70.6 272.0 1,799.5 255.2 0.0 7.5 0.0 626.9 0.0 0.0 701.2 2,336.5 (63.5) (342.5) (3,348.6) (3,756.3) (56.4) (313.7) (2,923.2) (1,203.5) 0.0 (22.1) 0.0 (1,272.2) (1.1) (0.0) (436.8) (803.9) (6.1) 0.0 (85.7) (24.2) 0.0 (6.7) 97.1 (452.5) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 204.0 12,921.6 678.2 34,435.0 14,829.7 2.1 38.7 136.5 10.4 70.3 53.1 5,190.2 2,213.8 245.4 388.9 12,652.3 2,737.2 0.0 0.0 0.0 0.0 57.4 165.0 5,271.7 1,122.3 213.2 105.1 3,031.2 1,663.1 24,405.4 16,386.3 698,316.6 161,810.5 3,138.4 11,557.1 337,910.2 120,865.2 2,391.5 1,297.7 161,993.5 61,563.4 571.3 10,259.4 158,311.2 53,069.7 175.6 0.0 17,605.5 6,232.1 991.5 2,324.5 18,206.6 4,897.1 0.0 0.0 0.0 5,824.5 4,695.0 1,933.1 133,253.4 11,581.8 0.0 0.0 0.0 0.0 0.0 0.0 23,216.2 0.0 807.6 0.0 109,792.3 4,651.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 82.2 0.0 644.5 110.0 14,665.6 533.8 74,123.1 12,886.4 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 25.1 37.8 1,170.5 993.9 2,392.5 1,869.6 87,782.2 27,974.5 934.6 2,144.8 31,727.4 7,923.3 833.5 2,144.8 11,091.2 7,450.7 101.1 0.0 0.0 0.0 0.0 0.0 20,636.2 472.6 0.0 0.0 0.0 0.0 1,457.9 (275.2) 56,054.8 20,051.3 158.4 3.1 9,400.7 2,686.8 650.5 (308.2) 35,301.0 15,459.1 155.5 0.0 1,031.9 180.8 35.1 0.0 1,469.8 (64.0) 20.8 0.0 9.4 0.0 0.0 0.0 0.0 0.0 437.5 29.9 8,842.0 1,788.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 4,617.4 2,624.5 29,040.9 619,161.6

75



































Margen financiero















Resultado Neto



Monex Multiva Santander Scotiabank

318.7 702.1 23,052.3 9,669.3

17.4 16.3 1,821.8 533.9

0.0 0.0 315.5 4.0

197.7 105.1 913.4 377.0

0.0 2.0 6,913.2 1,037.3

0.0 0.0 0.0 0.0

91.2 515.9 12,005.9 7,482.3

0.0 0.0 69.7 19.9

1.6 50.0 377.7 204.8

10.8 0.0 635.1 0.0

0.0 0.0 0.0 0.0

0.0 12.9 0.0 0.0

0.0 0.0 0.0 10.2

0.0 0.0 0.0 0.0

185.9 409.3 11,387.7 3,082.1

9.7 8.8 911.3 339.6

18.2 281.7 3,526.9 1,131.3

13.5 0.0 520.2 234.6

20.5 68.3 540.1 171.5

0.0 0.0 0.0 0.0

124.0 43.3 5,219.5 1,137.8

0.0 0.0 0.0 0.0

0.0 0.0 646.1 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 7.3 15.5 61.9

0.0 0.0 8.3 5.4

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

132.7 292.8 11,664.5 6,587.2

31.2 118.7 1,159.9 1,399.9

101.5 174.1 10,504.6 5,187.2

94.3 108.1 5,394.4 1,351.8

60.3 39.7 825.6 120.6

1,765.1 116.4 1,259.9 362.1

48.1 64.8 792.0 1,893.4

1,331.6 396.7 10,517.7 6,290.1

617.3 26.9 6,607.7 2,383.8

23.5 11.3 3,150.9 78.6

640.8 38.2 9,758.6 2,462.4

258.1 0.0 4,175.2 603.0

54.8 (8.3) 3,258.6 (70.9)

437.5 29.9 8,842.0 1,788.5

0.0 0.0 0.0 0.0

437.5 29.9 8,842.0 1,788.5

0.0 0.0 0.0 0.0

437.5 29.9 8,842.0 1,788.5






76

The Bank of The Royal UBS Ve por Más New York Mellon Bank of Scotland

763.4 8,915.5 5,277.8 14,536.9 519.8 382.7 319.6 655.0 0.0 0.0 0.0 0.4 0.0 1,026.0 28.2 2,504.5 0.0 1,250.0 145.6 2,013.0 0.0 0.0 0.0 0.0 0.0 124.8 2,839.1 21.5 0.0 0.0 0.0 0.0 0.0 950.6 85.0 9,122.3 0.0 950.6 85.0 9,082.1 0.0 0.0 0.0 32.3 0.0 0.0 0.0 7.9 0.0 0.1 0.0 128.3 0.0 0.1 0.0 128.2 0.0 0.0 0.0 0.1 0.0 0.0 0.0 0.0 0.0 (25.9) (0.8) (171.2) 0.0 (25.2) (0.8) (166.7) 0.0 0.0 0.0 (0.4) 0.0 0.0 0.0 (0.1) 0.0 (0.8) 0.0 (0.1) 0.0 0.0 0.0 (3.9) 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 12.0 5,172.5 1,851.6 68.0 0.0 0.0 0.0 22.0 1.1 19.8 4.3 92.9 0.0 1.9 0.0 1.1 0.0 0.0 0.0 0.0 4.1 7.0 0.0 0.0 226.5 6.0 5.1 79.2 54.3 8,267.3 4,774.9 13,385.8 0.0 1,237.5 0.0 7,617.6 0.0 1,237.5 0.0 4,748.6 0.0 0.0 0.0 2,869.0 0.0 0.0 0.0 0.0 0.0 1,062.3 0.0 3,578.7 0.0 0.0 0.0 0.0 0.0 8.7 0.0 1,412.3 0.0 0.0 0.0 0.0 0.0 550.0 0.0 0.0 0.0 112.5 2,907.9 21.5 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 3.9 22.0 5,292.8 1,866.9 366.5 0.0 0.0 0.0 351.1 0.0 0.0 0.0 16.2 32.3 3.5 0.0 18.1 709.1 648.2 503.0 1,151.1 663.2 1,545.5 713.9 649.3 663.2 1,545.5 713.9 611.9 0.0 0.0 0.0 0.0 0.0 0.0 0.0 37.4 0.0 0.0 0.0 0.0 45.9 (897.3) (210.9) 501.8 3.5 11.8 0.0 49.0 31.2 (874.4) (209.0) 262.2 0.0 0.3 0.0 124.7 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 11.2 (35.0) (1.9) 65.8 0.0 0.0 0.0 0.0 0.0 0.0 0.0 28.0 0.0 589.6 0.0 0.0

77



































Margen financiero















Resultado Neto



The Bank of The Royal UBS Ve por Más New York Mellon Bank of Scotland

12.0 98.3 24.5 714.6

12.0 8.8 0.1 18.3

0.0 0.0 0.0 0.1

0.0 56.8 8.0 54.8

0.0 18.1 15.6 44.7

0.0 0.0 0.0 0.0

0.0 14.0 0.8 548.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 37.3

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 11.4

0.0 0.6 0.0 0.0

0.0 0.0 0.0 0.0

0.0 30.8 10.3 354.5

0.0 16.0 0.0 122.5

0.0 0.0 0.0 78.4

0.0 0.0 0.0 0.0

0.0 1.5 0.0 110.8

0.0 0.0 0.0 20.0

0.0 13.3 10.3 19.9

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

0.0 0.0 0.0 1.4

0.0 0.0 0.0 1.5

0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0

12.0 67.5 14.2 360.1

0.0 20.3 0.8 77.0

12.0 47.2 13.4 283.1

64.0 75.1 104.1 44.2

4.3 2.6 7.1 39.4

0.0 (9.2) (2.3) 13.6

0.5 12.2 9.0 61.1

59.0 156.0 119.0 273.5

13.1 (33.2) (1.9) 89.2

0.0 (0.2) 0.0 (0.3)

13.1 (33.5) (1.9) 88.9

2.5 0.0 0.0 12.6

0.6 (1.5) 0.0 (10.4)

11.2 (35.0) (1.9) 65.8

0.0 0.0 0.0 0.0

11.2 (35.0) (1.9) 65.8

0.0 0.0 0.0 0.0

11.2 (35.0) (1.9) 65.8






78

Volkswagen Bank

3,124.1 136.1 0.0 0.0 0.0 0.0 0.0 0.0 2,860.0 0.0 2,860.0 0.0 94.4 0.0 94.4 0.0 (145.0) 0.0 (145.0) 0.0 0.0 0.0 0.0 0.0 0.0 5.1 2.8 0.0 0.0 0.0 54.7 115.8 2,174.6 1,466.1 0.0 1,466.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 656.7 0.0 0.0 51.8 949.5 1,081.1 1,081.1 0.0 0.0 0.0 (131.7) 0.0 (95.2) 0.0 0.0 0.0 0.0 (36.5) 0.0 0.0 0.0

79



































Margen financiero















Resultado Neto



Volkswagen Bank

272.2

13.2

0.0

0.0

0.0

0.0

244.3

3.8

10.9

0.0

0.0

0.0

0.0

0.0

59.8

0.0

54.1

0.0

3.2

0.0

0.0

0.0

0.0

0.0

0.0

2.5

0.0

0.0

0.0

212.4

63.8

148.6

0.0

37.5

0.0

56.9

186.4

(18.4)

(0.9)

(19.3)

0.0

(17.2)

(36.5)

0.0

(36.5)

0.0

(36.5)

boletín estadístico banca múltiple agosto 2011 · presentación5 i.reglas de carácter general a...

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