Resultados Financiero Cooperativas vinculadas a Fecolfin...total sector ahorro y crédito (ses) fecolfin cooperativas de ahorro y crÉdito en colombia comportamiento del activo diciembre

Resultados Financieros Cooperativas vinculadas a

Fecolfin

DATOS A OCTUBRE DE 2020

ACTIVOS

Total Sector Ahorro y Crédito (SES)

FECOLFINCOOPERATIVAS DE AHORRO Y CRÉDITO EN COLOMBIA

COMPORTAMIENTO DEL ACTIVO

DICIEMBRE 2018 A OCTUBRE 2020

Cifras de Pesos Colombianos en Millones

dic-18 dic-19 mar-20 abr-20 may-20 jun-20 jul-20 ago-20 sep-20 oct-20

Millones Col Pesos 14.122.955$ 15.464.527$ 15.862.186$ 15.954.462$ 16.030.752$ 16.135.734$ 16.275.656$ 16.331.768$ 16.413.833$ 16.527.678$

Crecim. Periódico 1.341.572$ 397.659$ 92.276$ 76.290$ 104.982$ 139.922$ 56.112$ 82.065$ 113.845$

Crecim. Acum. 2020 1.063.151$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56

Millones Dólares U$ 4.346$ 4.719$ 3.902$ 4.005$ 4.311$ 4.293$ 4.352$ 4.343$ 4.232$ 4.283$

Se estima Cierre de 2020 con crecimiento cercano a los $1.3 Billones, levemente inferior a los $1.34 Billones del 2019.

Coop´s Vinculadas FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LOS ACTIVOS

Datos en Millones de Pesos

# DIC 2018 DIC 2019 ABRIL 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOSTO 2020 SEPT 2020 OCT 2020 $ %

1 3.972.875 4.265.843 4.322.274 4.310.717 4.499.905 4.306.233 4.351.523

2 1.258.853 1.358.153 1.402.177 1.399.008 1.408.986 1.416.966 1.416.901 1.421.968 1.435.479 77.326 5,69%

3 729.495 937.382 983.062 982.044 1.003.414 1.030.345 1.033.320

4 966.301 1.119.696 1.129.576 1.151.551 1.169.452 1.192.776 1.198.139

5 245.204 288.036 301.716 307.120 309.286 299.053 295.789 297.996 295.053 7.017 2,44%

6 404.779 443.065 453.174 456.179 457.211 460.948 461.582 467.044 475.239 32.174 7,26%

7 531.750 622.929 636.754 622.175 605.635 606.271 608.485 607.215 606.067 (16.862) -2,71%

8 268.968 253.423 248.371 246.539 248.204 247.191 245.951 248.061 246.064 (7.359) -2,90%

9 273.140 290.371 293.960 295.715 298.163 300.085 301.940 302.408 303.360 12.989 4,47%

10 198.209 220.322 228.146 228.040 229.436 231.813 231.120 232.072 235.793 15.471 7,02%

11 166.911 188.800 196.084 197.349 198.656 200.276 201.369 202.617 202.898 14.098 7,47%

12 139.396 149.151 156.471 155.329 155.022 155.040 153.558 153.535 153.199 4.048 2,71%

13 130.220 147.512 152.269 153.527 154.671 156.800 157.318 157.135 154.961 7.449 5,05%

14 107.480 111.556 115.865 115.190 114.462 113.362 113.343 112.613 112.802 1.246 1,12%

15 132.756 145.111 148.767 150.325 149.588 149.124 151.359 153.397 158.878 13.767 9,49%

16 99.749 123.810 126.204 131.186 136.309 137.480 139.719 141.737 150.533 26.723 21,58%

17 80.585 92.269 90.596 92.177 92.205 92.053 90.503 90.081 90.467 (1.802) -1,95%

18 65.853 78.251 79.183 79.520 79.567 80.835 81.271 81.276 81.127 2.876 3,68%

19 87.063 99.268 100.819 100.789 101.082 102.420 104.293 105.294 105.868 6.600 6,65%

20 79.801 79.396 81.061 82.848 83.536 84.270 84.335 84.637 86.851 7.455 9,39%

21 134.907 141.174 152.580 153.614 157.132 158.114 158.330 152.877 155.082 13.908 9,85%

22 91.033 102.597 105.018 105.747 107.552 109.397 110.586 111.924 112.892 10.295 10,03%

23 289.254 329.082 341.449 344.751 347.150 356.357 360.629 364.640 370.302 41.220 12,53%

24 84.908 107.225 114.865 115.777 115.905 116.405 117.629 117.100 114.311 7.086 6,61%

25 61.856 72.152 73.936 74.663 75.862 77.387 77.014 78.570 79.087 6.935 9,61%

26 221.957 225.464 225.050 226.668 230.657 236.447 238.519 241.762 242.545 17.081 7,58%

27 3.886 4.131 4.196 4.227 4.181 4.165 4.164 4.343 4.505 374 9,05%

28 183.238 205.054 216.580 217.135 222.837 226.043 225.368 225.230 224.809 19.755 9,63%

29 11.259 14.754 18.219 17.603 17.337 17.753 18.783 21.340 22.233 7.479 50,69%

30 16.483 18.412 18.933 18.999 19.236 19.276 19.516 19.752 19.827 1.415 7,69%

31 14.514 18.175 18.183 18.372 18.331 18.489 18.531 18.307 18.990 815 4,48%

32 5.123 5.305 5.694 5.759 5.821 5.891 5.957 6.024 5.983 678 12,78%

CRECIMIENTO OCT 2020 Vs DIC

2019

Coop´s Vinculadas FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LOS ACTIVOS


# DIC 2018 DIC 2019 ABRIL 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOSTO 2020 SEPT 2020 OCT 2020 $ %

33 959.493 1.063.650 1.132.664 1.131.206 1.128.975 1.124.950 1.107.344

34 744.434 833.307 861.120 862.197 875.373 884.816 893.038

35 22.856 23.431 23.004 23.014 22.841 22.920 24.363 24.454 24.220 789 3,37%

36 59.916 65.493 65.050 65.615 64.266 64.686 65.653 66.793 66.950 1.457 2,22%

37 116.649 126.032 127.897 128.605 129.120 130.709 131.163 130.793 131.360 5.328 4,23%

38 15.749 16.933 17.851 18.157 18.324 18.264 18.532 18.662 18.944 2.011 11,88%

39 89.902 116.908 124.749 124.540 125.783 130.646 133.688 134.290 136.709 19.801 16,94%

40 56.292 62.307 64.320 64.813 64.762 66.228 66.727 66.677 66.638 4.331 6,95%

41 41.740 45.602 46.999 47.572 48.149 48.712 49.148 49.639 49.927 4.325 9,48%

42 31.392 34.721 35.992 36.722 37.235 37.656 37.302 37.155 36.961 2.240 6,45%

43 44.920 53.169 56.902 55.905 58.200 59.919 60.339 62.119 63.185 10.016 18,84%

44 21.422 22.022 22.761 22.921 23.065 23.123 23.287 23.715 23.650 1.628 7,39%

45 27.339 31.177 32.917 33.478 33.623 34.620 34.903 34.008 33.579 2.402 7,70%

46 26.991 29.126 28.952 29.544 29.673 30.266 30.599 30.371 30.419 1.293 4,44%

47 23.433 25.654 26.508 26.726 26.829 27.043 27.357 27.494 27.390 1.736 6,77%

48 12.447 13.381 13.100 13.011 13.485 13.640 14.385 14.705 14.634 1.253 9,36%

49 15.819 18.578 18.407 18.760 18.471 18.638 19.346 19.481 19.548 970 5,22%

50 13.712 14.527 14.707 14.642 14.675 14.975 14.922 14.931 15.011 484 3,33%

51 6.460 6.768 6.779 6.821 6.907 6.937 6.973 6.994 7.090 322 4,76%

52 59.174 71.700 76.721 77.896 78.749 78.461 79.708 81.122 82.359 10.659 14,87%

53 22.739 26.961 30.234 30.302 29.397 29.499 29.740 30.303 30.761 3.800 14,09%

54 85.164 88.598 90.682 91.796 92.977 91.865 90.694 88.254 86.906 (1.692) -1,91%

55 7.620 7.943 7.575 7.779 7.788 7.586 7.686 7.547 7.609 (334) -4,20%

56 81.877 87.551 90.433 91.173 91.873 93.232 95.042 95.505 96.788 9.237 10,55%

57 80.119 86.342 88.451 87.745 88.748 89.577 90.165 88.787 87.814 1.472 1,70%

58 26.985 27.851 27.891 28.004 28.267 28.452 28.544 28.675 29.107 1.256 4,51%

59 7.335 8.360 8.732 8.765 8.983 9.021 8.907 9.286 9.241 881 10,54%

60 28.241 33.602 35.040 35.697 35.972 36.534 36.886 37.651 38.142 4.540 13,51%

61 37.931 40.978 41.870 42.195 42.311 42.444 42.227 42.419 42.184 1.206 2,94%

62 8.282 8.781 8.941 9.066 9.196 9.286 9.366 9.442 9.536 755 8,60%

63 29.445 32.822 34.441 34.724 34.633 34.790 34.708 34.790 35.326 2.504 7,63%

64 228.992 250.751 262.908 266.202 269.455 269.961 269.287 269.924 270.175 19.424 7,75%

65 9.450 10.501 10.933 10.822 10.872 10.989 10.834 11.261 11.472 971 9,25%

66 32.924 34.785 35.752 36.085 36.748 37.489 37.596 37.556 36.872 2.087 6,00%

6.762.452 7.458.303 7.683.819 7.705.428 7.745.397 7.797.879 7.823.939 7.855.758 7.905.712 447.409 6,00%

695.851 447.409 536.891

10,29% 6,00% 7,20%

CRECIMIENTO OCT 2020 Vs DIC

2019

Cartera de Crédito



COMPORTAMIENTO DE LA CARTERA DE CRÉDITO


Datos en Billones de Pesos Col.



Crecim. Periódico 879.414$ 99.964$ 158.682-$ 109.311-$ 9.976-$ 39.648$ 9.402$ 126.821$ 155.801$

Crecim. Año 2020 99.964$ 58.718-$ 168.029-$ 178.005-$ 138.357-$ 128.955-$ 2.134-$ 153.667$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56



OCTUBRE SUPERA EL SALDO DE LA CARTERA A DIC. 2019

Coop´s Vinculas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LA CARTERA DE CRÉDITO


# DIC 2018 DIC 2019 ABRIL 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

1 3.264.230 3.279.894 3.319.332 3.312.572 3.267.917 3.244.898 3.240.423

2 1.035.973 1.084.486 1.085.301 1.068.171 1.062.703 1.051.407 1.031.315 1.038.040 1.045.740 (38.746) -3,57%

3 568.104 706.099 703.851 716.369 732.310 744.348 758.830

4 770.279 868.341 885.989 885.134 890.553 891.815 885.429

5 194.782 234.889 239.041 235.187 232.157 231.344 229.255 229.686 229.878 (5.011) -2,13%

6 314.228 320.911 329.171 333.094 334.798 338.804 340.651 343.765 347.651 26.740 8,33%

7 454.060 523.556 500.509 488.237 481.454 483.210 481.470 498.388 504.159 (19.397) -3,70%

8 169.960 151.915 148.060 148.498 148.488 148.756 145.668 145.886 142.740 (9.175) -6,04%

9 227.834 229.771 235.889 233.322 232.792 233.820 235.316 238.819 242.760 12.989 5,65%

10 162.323 180.141 178.822 177.135 179.582 179.841 185.846 187.607 193.613 13.472 7,48%

11 113.390 126.745 127.307 125.383 123.492 123.136 121.014 120.336 120.954 (5.791) -4,57%

12 119.106 121.585 120.826 119.993 119.771 120.257 120.018 120.129 120.772 (813) -0,67%

13 113.019 126.992 126.498 126.870 126.870 128.921 128.123 129.433 130.501 3.509 2,76%

14 83.318 86.670 87.202 86.091 85.459 85.343 84.838 84.486 84.826 (1.844) -2,13%

15 106.099 111.915 111.957 109.927 107.436 104.384 101.995 101.389 101.751 (10.164) -9,08%

16 84.960 111.817 110.003 110.595 113.093 116.720 120.576 123.578 126.033 14.216 12,71%

17 64.790 77.046 75.121 74.451 74.424 73.706 71.871 73.516 74.376 (2.670) -3,47%

18 55.570 59.736 61.205 61.654 61.966 61.789 62.269 62.269 62.248 2.512 4,21%

19 74.853 85.692 86.809 86.837 86.751 86.338 87.808 89.560 92.258 6.566 7,66%

20 64.854 64.232 66.266 67.076 67.434 68.556 69.955 71.210 72.844 8.612 13,41%

21 123.465 125.744 129.768 132.788 134.772 134.198 133.024 131.280 130.296 4.552 3,62%

22 74.583 86.113 86.979 86.595 88.133 88.335 88.292 89.318 89.948 3.835 4,45%

23 250.772 282.353 279.400 276.595 280.864 286.219 289.987 294.867 301.500 19.147 6,78%

24 65.682 86.715 87.668 88.716 90.161 91.180 92.002 91.257 89.595 2.880 3,32%

25 52.258 56.766 57.269 57.359 58.182 58.746 58.052 58.595 58.772 2.006 3,53%

26 190.084 191.694 190.157 188.600 190.109 192.834 195.696 198.183 204.429 12.735 6,64%

27 3.490 3.682 3.654 3.589 3.511 3.582 3.713 4.002 4.183 501 13,61%

28 156.158 172.933 163.200 159.185 156.845 158.807 158.508 158.059 161.710 (11.223) -6,49%

29 10.328 13.450 15.403 15.385 15.145 15.747 16.774 18.350 20.263 6.813 50,65%

30 14.347 13.469 13.057 12.881 12.553 12.841 12.856 13.887 13.939 470 3,49%

31 12.715 15.041 15.326 15.273 15.344 15.317 15.378 15.694 15.891 850 5,65%

32 4.303 4.561 4.730 4.683 4.602 4.485 4.387 4.360 4.475 (86) -1,89%

CRECIM. DIC 2019 A OCT 2020

Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LA CARTERA DE CRÉDITO


# DIC 2018 DIC 2019 ABRIL 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

33 785.779 760.907 831.321 793.197 757.189 700.269 660.760

34 586.494 634.800 627.743 622.855 619.237 616.121 610.883

35 16.875 18.516 17.301 16.812 16.415 16.029 17.038 16.897 16.450 (2.066) -11,16%

36 47.776 52.745 51.872 51.234 50.982 50.115 49.736 50.673 51.788 (957) -1,81%

37 88.982 96.996 90.835 88.565 86.598 85.732 85.469 85.503 86.970 (10.026) -10,34%

38 11.312 11.473 11.358 11.221 11.003 10.445 10.430 10.447 10.372 (1.101) -9,60%

39 73.083 88.054 92.893 94.049 96.371 99.293 100.256 101.308 103.520 15.466 17,56%

40 46.813 51.927 52.057 51.466 51.744 52.078 52.035 54.468 55.408 3.481 6,70%

41 28.449 29.081 29.001 28.760 28.702 28.564 28.631 29.127 29.497 416 1,43%

42 23.472 27.339 26.553 26.442 26.529 26.360 25.699 25.858 26.650 (689) -2,52%

43 37.723 42.005 41.377 40.902 41.513 41.519 42.028 42.992 44.682 2.677 6,37%

44 15.045 15.029 15.529 15.185 14.944 14.737 14.426 14.198 14.702 (327) -2,18%

45 23.915 25.279 24.764 25.028 25.185 24.882 24.360 23.983 23.003 (2.276) -9,00%

46 22.324 20.266 19.314 18.975 18.568 18.455 18.556 18.150 17.780 (2.486) -12,27%

47 18.693 20.773 20.796 20.330 19.484 19.526 19.390 19.379 19.347 (1.426) -6,86%

48 11.199 10.578 10.621 10.510 10.351 10.155 10.048 9.452 9.571 (1.007) -9,52%

49 13.204 15.875 15.735 15.678 15.463 15.579 15.795 16.163 16.117 242 1,52%

50 9.193 9.493 9.905 9.747 9.844 9.795 9.693 9.721 9.636 143 1,51%

51 3.861 4.559 4.075 4.072 3.893 3.671 3.576 3.588 3.562 (997) -21,87%

52 47.035 59.008 59.636 58.493 57.753 57.915 57.281 57.791 57.877 (1.131) -1,92%

53 17.480 19.376 19.589 19.492 19.717 19.746 19.720 19.921 19.890 514 2,65%

54 71.027 65.898 61.038 58.625 57.344 58.363 58.667 59.437 58.968 (6.930) -10,52%

55 5.854 6.186 5.931 5.918 5.881 5.983 5.971 6.144 6.152 (34) -0,55%

56 55.514 57.614 57.639 57.849 60.250 60.807 61.383 61.437 61.283 3.669 6,37%

57 63.921 70.102 70.198 69.665 69.962 70.420 70.607 70.772 70.779 677 0,97%

58 22.705 22.215 21.488 21.052 20.769 20.195 19.657 19.011 19.336 (2.879) -12,96%

59 5.106 5.773 5.616 5.548 5.490 5.254 5.294 5.388 5.434 (339) -5,87%

60 25.123 27.516 27.825 27.821 27.781 27.873 28.416 29.115 30.117 2.601 9,45%

61 34.211 36.965 36.334 37.004 37.450 37.362 37.934 37.301 37.305 340 0,92%

62 4.186 4.829 5.131 5.134 4.586 4.715 4.854 5.027 5.146 317 6,56%

63 25.591 27.525 28.251 28.465 28.672 28.632 28.540 28.388 28.388 863 3,14%

64 182.531 205.775 200.408 201.905 203.679 207.395 215.280 216.368 216.639 10.864 5,28%

65 8.093 9.019 8.834 8.676 8.636 8.540 8.462 8.569 8.544 (475) -5,27%

66 25.141 27.210 27.047 26.405 25.963 26.339 27.253 27.375 27.300 90 0,33%

5.482.741 5.935.619 5.905.549 5.855.198 5.850.413 5.865.097 5.863.142 5.919.900 5.980.318 44.699 0,75%

452.878 (30.070) (50.351) (4.785) 14.684 (1.955) 56.758 60.418


Indicadores PERLASINDICADOR DE CARTERA / TOTAL ACTIVOS

DIC 2019 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020

76,89% 72,62% 75,35% 74,47%

79,85% 75,42% 74,20% 72,79% 73,00% 72,85%

75,33% 72,98% 72,24% 73,44%

77,55% 76,15% 74,77% 73,90%

81,55% 75,06% 77,36% 77,51% 77,08% 77,91%

72,43% 73,23% 73,50% 73,80% 73,60% 73,15%

84,05% 79,50% 79,70% 79,13% 82,08% 83,19%

59,95% 59,82% 60,18% 59,23% 58,81% 58,01%

79,13% 78,08% 77,92% 77,93% 78,97% 80,02%

81,76% 78,27% 77,58% 80,41% 80,84% 82,11%

67,13% 62,16% 61,48% 60,10% 59,39% 59,61%

81,52% 77,26% 77,57% 78,16% 78,24% 78,83%

86,09% 82,03% 82,22% 81,44% 82,37% 84,22%

77,69% 74,66% 75,28% 74,85% 75,02% 75,20%

77,12% 71,82% 70,00% 67,39% 66,10% 64,04%

90,31% 82,97% 84,90% 86,30% 87,19% 83,72%

83,50% 80,72% 80,07% 79,41% 81,61% 82,21%

76,34% 77,88% 76,44% 76,62% 76,61% 76,73%

86,32% 85,82% 84,30% 84,19% 85,06% 87,14%

80,90% 80,72% 81,35% 82,95% 84,14% 83,87%

89,07% 85,77% 84,87% 84,02% 85,87% 84,02%

83,93% 81,94% 80,75% 79,84% 79,80% 79,68%

85,80% 80,91% 80,32% 80,41% 80,87% 81,42%

80,87% 77,79% 78,33% 78,21% 77,93% 78,38%

78,68% 76,69% 75,91% 75,38% 74,58% 74,31%

85,02% 82,42% 81,55% 82,05% 81,97% 84,28%

89,13% 83,98% 86,00% 89,17% 92,15% 92,85%

84,34% 70,39% 70,26% 70,33% 70,18% 71,93%

91,16% 87,36% 88,70% 89,30% 85,99% 91,14%

73,15% 65,26% 66,62% 65,87% 70,31% 70,30%

82,76% 83,71% 82,84% 82,99% 85,73% 83,68%

85,98% 79,06% 76,13% 73,64% 72,38% 74,80%

Indicador Ideal de Cartera/Activos:70% Mínimo – 80% Máximo

Indicadores PERLASIndicador Ideal de Cartera/Activos:70% Mínimo – 80% Máximo

INDICADOR DE CARTERA / TOTAL ACTIVOS

DIC 2019 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020

71,54% 67,07% 62,25% 59,67%

76,18% 70,74% 69,63% 68,41%

79,02% 71,87% 69,93% 69,93% 69,10% 67,92%

80,54% 79,33% 77,47% 75,76% 75,87% 77,35%

76,96% 67,07% 65,59% 65,16% 65,37% 66,21%

67,76% 60,05% 57,19% 56,28% 55,98% 54,75%

75,32% 76,62% 76,00% 74,99% 75,44% 75,72%

83,34% 79,90% 78,63% 77,98% 81,69% 83,15%

63,77% 59,61% 58,64% 58,25% 58,68% 59,08%

78,74% 71,25% 70,00% 68,89% 69,59% 72,10%

79,00% 71,33% 69,29% 69,65% 69,21% 70,72%

68,25% 64,79% 63,73% 61,95% 59,87% 62,16%

81,08% 74,90% 71,87% 69,79% 70,52% 68,50%

69,58% 62,58% 60,98% 60,64% 59,76% 58,45%

80,97% 72,62% 72,20% 70,88% 70,48% 70,64%

79,05% 76,76% 74,45% 69,85% 64,28% 65,40%

85,45% 83,72% 83,59% 81,64% 82,97% 82,45%

65,35% 67,08% 65,41% 64,96% 65,11% 64,19%

67,36% 56,36% 52,92% 51,28% 51,30% 50,24%

82,30% 73,34% 73,81% 71,86% 71,24% 70,27%

71,87% 67,07% 66,94% 66,31% 65,74% 64,66%

74,38% 61,68% 63,53% 64,69% 67,35% 67,85%

77,88% 75,51% 78,87% 77,69% 81,41% 80,85%

65,81% 65,58% 65,22% 64,59% 64,33% 63,32%

81,19% 78,83% 78,61% 78,31% 79,71% 80,60%

79,76% 73,47% 70,98% 68,87% 66,30% 66,43%

69,06% 61,12% 58,24% 59,44% 58,02% 58,80%

81,89% 77,23% 76,29% 77,04% 77,33% 78,96%

90,21% 88,51% 88,03% 89,83% 87,93% 88,43%

54,99% 49,87% 50,78% 51,83% 53,24% 53,96%

83,86% 82,79% 82,30% 82,23% 81,60% 80,36%

82,06% 75,59% 76,82% 79,94% 80,16% 80,18%

85,89% 79,43% 77,71% 78,11% 76,09% 74,48%

78,22% 70,65% 70,26% 72,49% 72,89% 74,04%

78,39% 74,04% 73,44% 73,10% 73,55% 73,80%

DEPÓSITO DE ASOCIADOS



COMPORTAMIENTO DE LOS DEPÓSITOS


Datos en Billones de Pesos Col.



Crecim. Periódico 936.446$ 334.040$ 30.882$ 99.037$ 143.750$ 144.590$ 96.263$ 80.339$ 103.869$

Crecim. Año 2020 334.040$ 364.922$ 463.959$ 607.709$ 752.299$ 848.562$ 928.901$ 1.032.770$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56


Coop´s Vinculas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LOS DEPÓSITOS

DATOS EN MILLONES DE PESOS

# dic-18 dic-19 Abril 2020 Mayo 2020 Junio 2020 Julio 2020 Agost 2020 Sept 2020 Oct 2020 $ %

1 3.374.970 3.549.419 3.626.514 3.624.385 3.859.222 3.653.498 3.697.138

2 752.108 819.347 848.805 849.077 860.149 866.813 871.758 868.560 881.004 61.657 7,53%

3 565.358 765.260 815.273 814.891 827.297 856.370 857.315

4 677.725 793.014 792.207 809.793 831.162 851.123 858.761

5 111.248 135.032 147.390 149.672 153.511 153.548 156.231 158.568 161.700 26.668 19,75%

6 272.093 300.459 306.845 308.650 310.809 313.257 314.346 319.545 327.453 26.994 8,98%

7 268.462 330.472 361.740 367.285 368.861 376.867 383.348 382.305 380.586 50.114 15,16%

8 44.521 53.830 54.157 53.754 53.985 54.485 55.020 58.640 59.672 5.842 10,85%

9 91.974 93.886 95.777 96.372 98.817 99.962 100.490 99.277 99.171 5.285 5,63%

10 146.987 162.489 165.534 166.424 167.855 171.396 175.266 176.296 179.342 16.853 10,37%

11 113.643 129.234 134.045 134.665 136.245 137.725 138.011 140.202 140.236 11.002 8,51%

12 85.942 92.060 94.978 95.748 96.260 96.780 97.105 97.480 98.002 5.942 6,45%

13 94.908 109.617 114.900 115.475 116.636 118.450 118.912 120.069 119.874 10.257 9,36%

14 54.529 56.667 56.385 56.613 57.376 58.374 59.178 57.173 57.706 1.039 1,83%

15 84.448 91.359 85.276 86.279 89.827 92.577 94.714 98.373 102.783 11.424 12,50%

16 70.915 77.994 83.611 86.053 89.717 90.980 93.129 93.517 97.635 19.641 25,18%

17 43.234 50.396 50.687 51.748 52.295 52.226 53.353 53.468 54.418 4.022 7,98%

18 9.806 13.612 15.574 15.828 16.208 17.960 18.532 18.937 19.454 5.842 42,92%

19 52.936 60.762 62.349 62.268 63.149 64.419 65.928 66.737 67.730 6.968 11,47%

20 57.821 50.369 52.846 54.116 55.292 55.770 56.485 57.128 57.550 7.181 14,26%

21 78.212 93.282 97.473 98.432 101.469 102.323 102.673 103.528 105.605 12.323 13,21%

22 59.308 67.665 68.924 69.672 71.773 73.048 73.657 74.486 74.982 7.317 10,81%

23 179.231 205.756 218.937 221.350 223.473 231.275 234.486 237.109 241.480 35.724 17,36%

24 48.055 56.947 57.175 57.748 57.606 57.654 58.911 58.921 58.749 1.802 3,16%

25 47.386 58.149 59.519 60.465 62.160 63.561 63.254 64.794 65.238 7.089 12,19%

26 126.974 146.727 146.818 149.521 154.165 157.951 160.360 162.319 163.907 17.180 11,71%

27 1.143 1.208 1.184 1.189 1.193 1.141 1.129 1.179 1.180 (28) -2,32%

28 138.563 153.637 160.040 171.770 176.832 180.649 180.650 179.898 179.025 25.388 16,52%

29 2.382 3.231 4.076 3.401 3.320 3.772 4.277 4.239 4.502 1.271 39,34%

30 10.651 13.648 13.993 14.016 14.115 14.195 14.378 14.586 14.659 1.011 7,41%

31 6.009 7.004 7.398 7.693 7.729 8.022 8.059 8.186 8.612 1.608 22,96%

32 1.668 1.606 1.985 1.980 2.075 2.138 2.166 2.210 2.121 515 32,07%


Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LOS DEPÓSITOS


# dic-18 dic-19 Abril 2020 Mayo 2020 Junio 2020 Julio 2020 Agost 2020 Sept 2020 Oct 2020 $ %

33 678.093 808.899 878.393 882.596 880.081 877.386 866.993

34 554.667 623.555 655.668 661.034 672.678 681.038 692.773

35 4.044 4.159 3.964 3.878 3.876 3.845 3.808 4.107 3.860 (299) -7,19%

36 26.081 30.489 28.205 29.435 28.216 28.591 29.992 30.768 30.670 181 0,59%

37 61.043 66.613 67.230 67.777 68.536 69.832 70.003 69.731 70.079 3.466 5,20%

38 6.097 7.050 7.659 7.886 8.056 8.245 8.566 8.655 8.831 1.781 25,26%

39 61.862 77.583 81.543 81.148 82.030 84.325 86.785 88.410 93.728 16.145 20,81%

40 39.411 45.922 49.943 50.790 51.855 53.251 53.875 53.615 54.358 8.436 18,37%

41 24.874 27.313 28.504 28.986 29.470 29.873 30.117 30.606 30.917 3.604 13,20%

42 20.600 23.095 23.655 24.087 24.591 24.843 25.017 25.094 24.892 1.797 7,78%

43 25.028 31.601 33.554 33.608 36.535 38.584 39.513 41.289 42.598 10.997 34,80%

44 14.011 14.260 15.032 15.160 15.323 15.477 15.666 15.804 15.727 1.467 10,29%

45 16.729 19.186 20.520 20.998 21.283 21.753 21.854 21.651 21.672 2.486 12,96%

46 19.063 20.864 20.449 20.946 21.094 21.753 22.101 21.978 22.107 1.243 5,96%

47 11.657 12.616 12.622 12.739 12.803 13.012 13.083 13.088 13.314 698 5,53%

48 6.557 7.640 7.199 7.070 7.499 7.688 8.395 8.673 8.553 913 11,95%

49 6.782 8.290 8.320 8.264 8.115 8.240 8.288 8.563 8.757 467 5,63%

50 6.009 6.794 6.982 6.907 6.945 7.151 7.052 6.976 7.005 211 3,11%

51 3.895 4.037 4.181 4.229 4.314 4.332 4.363 4.378 4.442 405 10,03%

52 20.956 26.198 26.731 27.168 27.924 28.653 29.744 30.585 31.417 5.219 19,92%

53 14.564 17.626 19.239 19.183 19.352 19.287 19.445 20.063 20.669 3.043 17,26%

54 43.533 45.338 46.948 47.519 48.696 47.512 46.737 45.082 43.957 (1.381) -3,05%

55 2.647 2.507 2.671 2.878 2.877 2.894 2.781 2.752 2.974 467 18,63%

56 49.107 53.121 55.447 56.386 56.632 57.829 59.800 60.094 61.326 8.205 15,45%

57 33.810 37.469 38.912 38.869 39.578 39.862 40.553 40.248 40.475 3.006 8,02%

58 10.105 11.476 11.971 11.948 12.308 12.567 12.754 12.965 13.241 1.765 15,38%

59 3.152 3.512 3.813 3.805 3.952 4.039 3.942 4.181 4.227 715 20,36%

60 13.601 16.807 17.882 18.621 18.789 19.148 19.365 19.867 20.234 3.427 20,39%

61 5.140 5.510 6.380 6.430 6.639 6.628 6.433 6.581 6.669 1.159 21,03%

62 2.475 2.758 2.865 2.927 3.008 3.047 3.085 3.138 3.177 419 15,19%

63 14.373 18.019 20.528 20.565 20.560 20.623 20.885 21.595 22.574 4.555 25,28%

64 160.932 178.898 192.224 193.732 196.339 197.294 198.989 199.994 200.351 21.453 11,99%

65 5.472 6.411 6.811 6.918 7.047 7.156 7.199 7.585 7.749 1.338 20,87%

66 7.925 9.872 10.424 10.843 11.542 12.417 12.553 12.492 11.693 1.821 18,45%

3.796.692 4.279.479 4.450.829 4.498.964 4.568.686 4.637.069 4.688.549 4.718.338 4.776.619 497.140 11,62%

482.787 497.140


Indicadores PERLAS

Indicador Ideal de Depósitos/Activos:70% Mínimo – 80% Máximo

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINANÁLISIS HISTÓRICO - INDICADOR DE DEPÓSITOS SOBRE ACTIVOS

# DIC 2018 DIC 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020

1 84,95% 83,21% 83,90% 84,08% 85,76% 84,84% 84,96%

2 59,75% 60,33% 60,53% 60,69% 61,05% 61,17% 61,53% 61,08% 61,37%

3 77,50% 81,64% 82,93% 82,98% 82,45% 83,11% 82,97%

4 70,14% 70,82% 70,13% 70,32% 71,07% 71,36% 71,67%

5 45,37% 46,88% 48,85% 48,73% 49,63% 51,34% 52,82% 53,21% 54,80%

6 67,22% 67,81% 67,71% 67,66% 67,98% 67,96% 68,10% 68,42% 68,90%

7 50,49% 53,05% 56,81% 59,03% 60,90% 62,16% 63,00% 62,96% 62,80%

8 16,55% 21,24% 21,80% 21,80% 21,75% 22,04% 22,37% 23,64% 24,25%

9 33,67% 32,33% 32,58% 32,59% 33,14% 33,31% 33,28% 32,83% 32,69%

10 74,16% 73,75% 72,56% 72,98% 73,16% 73,94% 75,83% 75,97% 76,06%

11 68,09% 68,45% 68,36% 68,24% 68,58% 68,77% 68,54% 69,20% 69,12%

12 61,65% 61,72% 60,70% 61,64% 62,09% 62,42% 63,24% 63,49% 63,97%

13 72,88% 74,31% 75,46% 75,21% 75,41% 75,54% 75,59% 76,41% 77,36%

14 50,73% 50,80% 48,66% 49,15% 50,13% 51,49% 52,21% 50,77% 51,16%

15 63,61% 62,96% 57,32% 57,39% 60,05% 62,08% 62,58% 64,13% 64,69%

16 71,09% 62,99% 66,25% 65,60% 65,82% 66,18% 66,65% 65,98% 64,86%

17 53,65% 54,62% 55,95% 56,14% 56,72% 56,73% 58,95% 59,36% 60,15%

18 14,89% 17,40% 19,67% 19,90% 20,37% 22,22% 22,80% 23,30% 23,98%

19 60,80% 61,21% 61,84% 61,78% 62,47% 62,90% 63,21% 63,38% 63,98%

20 72,46% 63,44% 65,19% 65,32% 66,19% 66,18% 66,98% 67,50% 66,26%

21 57,97% 66,08% 63,88% 64,08% 64,58% 64,71% 64,85% 67,72% 68,10%

22 65,15% 65,95% 65,63% 65,89% 66,73% 66,77% 66,61% 66,55% 66,42%

23 61,96% 62,52% 64,12% 64,21% 64,37% 64,90% 65,02% 65,03% 65,21%

24 56,60% 53,11% 49,78% 49,88% 49,70% 49,53% 50,08% 50,32% 51,39%

25 76,61% 80,59% 80,50% 80,98% 81,94% 82,13% 82,13% 82,47% 82,49%

26 57,21% 65,08% 65,24% 65,96% 66,84% 66,80% 67,23% 67,14% 67,58%

27 29,41% 29,24% 28,22% 28,13% 28,53% 27,39% 27,11% 27,15% 26,19%

28 75,62% 74,93% 73,89% 79,11% 79,35% 79,92% 80,16% 79,87% 79,63%

29 21,16% 21,90% 22,37% 19,32% 19,15% 21,25% 22,77% 19,86% 20,25%

30 64,62% 74,13% 73,91% 73,77% 73,38% 73,64% 73,67% 73,85% 73,93%

31 41,40% 38,54% 40,69% 41,87% 42,16% 43,39% 43,49% 44,72% 45,35%

32 32,56% 30,27% 34,86% 34,38% 35,65% 36,29% 36,36% 36,69% 35,45%

Indicadores PERLAS

Indicador Ideal de Depósitos/Activos:70% Mínimo – 80% Máximo

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINANÁLISIS HISTÓRICO - INDICADOR DE DEPÓSITOS SOBRE ACTIVOS


33 70,67% 76,05% 77,55% 78,02% 77,95% 77,99% 78,29%

34 74,51% 74,83% 76,14% 76,67% 76,84% 76,97% 77,57%

35 17,69% 17,75% 17,23% 16,85% 16,97% 16,78% 15,63% 16,79% 15,94%

36 43,53% 46,55% 43,36% 44,86% 43,91% 44,20% 45,68% 46,06% 45,81%

37 52,33% 52,85% 52,57% 52,70% 53,08% 53,43% 53,37% 53,31% 53,35%

38 38,71% 41,63% 42,91% 43,43% 43,96% 45,14% 46,22% 46,38% 46,62%

39 68,81% 66,36% 65,37% 65,16% 65,22% 64,54% 64,92% 65,84% 68,56%

40 70,01% 73,70% 77,65% 78,36% 80,07% 80,41% 80,74% 80,41% 81,57%

41 59,59% 59,89% 60,65% 60,93% 61,21% 61,33% 61,28% 61,66% 61,92%

42 65,62% 66,52% 65,72% 65,59% 66,04% 65,97% 67,07% 67,54% 67,35%

43 55,72% 59,44% 58,97% 60,12% 62,77% 64,39% 65,49% 66,47% 67,42%

44 65,40% 64,75% 66,04% 66,14% 66,43% 66,93% 67,27% 66,64% 66,50%

45 61,19% 61,54% 62,34% 62,72% 63,30% 62,83% 62,61% 63,66% 64,54%

46 70,63% 71,63% 70,63% 70,90% 71,09% 71,87% 72,23% 72,37% 72,67%

47 49,75% 49,18% 47,62% 47,67% 47,72% 48,12% 47,82% 47,60% 48,61%

48 47,82% 52,59% 48,95% 48,29% 51,10% 51,34% 56,26% 58,09% 58,45%

49 54,49% 61,95% 63,51% 63,52% 60,18% 60,41% 57,62% 58,23% 44,80%

50 37,99% 36,57% 37,93% 36,82% 37,60% 38,37% 36,45% 35,81% 46,67%

51 60,29% 59,65% 61,68% 62,00% 62,46% 62,45% 62,57% 62,60% 62,65%

52 35,41% 36,54% 34,84% 34,88% 35,46% 36,52% 37,32% 37,70% 38,15%

53 64,05% 65,38% 63,63% 63,31% 65,83% 65,38% 65,38% 66,21% 67,19%

54 51,12% 51,17% 51,77% 51,77% 52,37% 51,72% 51,53% 51,08% 50,58%

55 34,74% 31,56% 35,26% 37,00% 36,94% 38,15% 36,18% 36,46% 39,09%

56 59,98% 60,67% 61,31% 61,85% 61,64% 62,03% 62,92% 62,92% 63,36%

57 42,20% 43,40% 43,99% 44,30% 44,60% 44,50% 44,98% 45,33% 46,09%

58 37,45% 41,20% 42,92% 42,67% 43,54% 44,17% 44,68% 45,21% 45,49%

59 42,97% 42,01% 43,67% 43,41% 43,99% 44,77% 44,26% 45,02% 45,74%

60 48,16% 50,02% 51,03% 52,16% 52,23% 52,41% 52,50% 52,77% 53,05%

61 13,55% 13,45% 15,24% 15,24% 15,69% 15,62% 15,23% 15,51% 15,81%

62 29,88% 31,41% 32,04% 32,29% 32,71% 32,81% 32,94% 33,23% 33,32%

63 48,81% 54,90% 59,60% 59,22% 59,37% 59,28% 60,17% 62,07% 63,90%

64 70,28% 71,34% 73,11% 72,78% 72,87% 73,08% 73,89% 74,09% 74,16%

65 57,90% 61,05% 62,30% 63,93% 64,82% 65,12% 66,45% 67,36% 67,55%

66 24,07% 28,38% 29,16% 30,05% 31,41% 33,12% 33,39% 33,26% 31,71%

53,56% 54,65% 55,11% 55,37% 55,89% 56,28% 56,63% 55,09% 55,36%

OBLIGACIONES FINANCIERAS


COMPORTAMIENTO DE LAS OBLIGACIONES FINANC.


Datos en Millones de Pesos Col.


Millones Col Pesos 694.511$ 679.080$ 698.668$ 728.449$ 689.853$ 634.562$ 587.849$ 557.155$ 518.741$ 509.969$

Crecim. Periódico 15.431-$ 19.588$ 29.781$ 38.596-$ 55.291-$ 46.713-$ 30.694-$ 38.414-$ 8.772-$

Crecim. Año 2020 19.588$ 49.369$ 10.773$ 44.518-$ 91.231-$ 121.925-$ 160.339-$ 169.111-$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56

Millones Dólares U$ 214$ 207$ 172$ 183$ 186$ 169$ 157$ 148$ 134$ 132$


Reducción en el 2020, más de $165 Mil Millones


Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DEL ENDEUDAMIENTO BANCARIO


# DIC 2018 DIC 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

1 43.587 38.818 35.361 22.743 22.302 23.411 23.409

2 22.022 28.710 38.005 38.355 39.687 44.527 46.259 47.709 50.215 21.505 74,90%

3 40.003 41.468 39.851 39.979 47.691 45.849 43.948

4 87.364 96.262 105.989 109.031 105.339 109.279 105.836

5 10.062 21.586 21.995 25.076 25.140 15.209 10.285 9.946 3.253 -18.333 -84,93%

6 6.100 7.836 8.266 8.705 8.604 9.035 9.447 9.658 9.889 2.053 26,20%

7 96.979 104.937 90.613 70.089 51.828 43.357 42.623 41.888 41.153 -63.784 -60,78%

8 23.973 26.976 28.453 27.949 29.671 29.459 28.447 29.037 27.839 863 3,20%

9 492 - - - 183 - - 177 304 304 100,00%

10 3.393 4.744 12.391 12.164 11.938 11.711 8.237 8.065 7.890 3.146 66,32%

11 1.764 1.499 1.560 1.572 1.569 1.573 1.670 1.628 1.565 66 4,40%

12 12.111 10.771 12.872 11.031 10.876 10.541 10.257 9.724 9.256 -1.515 -14,07%

13 9.052 7.070 6.853 6.948 6.759 6.833 6.955 5.941 4.275 -2.795 -39,53%

14 15.948 16.840 20.827 20.138 18.863 17.001 16.436 17.612 17.151 311 1,85%

15 8.802 6.502 15.242 15.042 10.400 7.338 7.448 5.739 5.690 -812 -12,49%

16 11.672 25.128 23.009 25.309 26.263 25.718 25.489 26.305 30.494 5.366 21,35%

17 11.602 14.913 11.921 11.744 11.487 11.013 10.429 9.508 8.731 -6.182 -41,45%

18 6.845 12.428 11.176 11.072 11.061 11.061 10.586 10.350 9.825 -2.603 -20,94%

19 4.771 7.044 6.980 6.827 6.009 5.915 5.992 6.358 5.939 -1.105 -15,69%

20 2.506 9.307 8.685 8.433 8.207 7.981 7.130 6.900 9.140 -167 -1,79%

21 13.978 98 6.050 5.728 6.031 5.864 5.696 - - -98 -100,00%

22 - - - - - - - - - 0 0,00%

23 2.016 6.713 1.671 1.659 1.649 1.636 1.626 1.614 1.603 -5.110 -76,12%

24 18.409 30.129 37.592 37.604 37.660 37.521 37.155 36.147 35.079 4.950 16,43%

25 1.565 - - - - - - - - 0 0,00%

26 18.289 - 2.013 1.343 - - - - - 0 -100,00%

27 - - - - - - - 98 235 235 100,00%

28 8.701 8.524 11.297 223 225 168 84 11 12 -8.512 -99,86%

29 805 505 2.835 2.734 2.264 1.786 1.727 2.372 2.793 2.288 453,07%

30 1.150 - - - - - - - - 0 0,00%

31 1.686 3.482 2.883 2.273 2.583 2.432 2.282 1.855 2.029 -1.453 -41,73%

32 - - - - - - - - - 0 0,00%

CRECIMIENTO OCT DE 2020 Vs

DIC 2019

Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DEL ENDEUDAMIENTO BANCARIO


# DIC 2018 DIC 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

33 57.479 27.979 20.334 19.759 19.849 19.503 11.878 -27.979

34 24.581 27.718 27.997 24.286 21.534 21.510 20.058 -27.718

35 - - - - - - - - - 0 0,00%

36 5.709 2.917 2.266 2.165 2.064 1.963 1.879 1.773 1.689 -1.228 -42,10%

37 32 20 28 25 23 20 17 16 12 -8 -40,00%

38 1.129 - - - - - - - - 0 0,00%

39 5.832 11.962 14.751 14.664 14.647 16.978 17.449 16.487 13.682 1.720 14,38%

40 - 3.810 1.532 1.400 - - - - 1.000 -2.810 -73,75%

41 20 30 23 22 20 18 39 37 31 1 3,33%

42 666 203 600 583 566 550 - - - -203 -100,00%

43 2.953 2.688 3.359 2.330 1.726 1.197 542 510 152 -2.536 -94,35%

44 - - - - - - - - - 0 0,00%

45 - - - - - 502 493 - - 0 100,00%

46 100 - - - - - - - - 0 0,00%

47 - - - - - - - - - 0 0,00%

48 605 3 - - - - - - - -3 -100,00%

49 1.672 2.223 1.861 2.267 2.165 2.047 2.646 2.533 2.420 197 8,86%

50 - - - - - - - - - 0 0,00%

51 - - - - - - - - - 0 0,00%

52 - 231 2.940 2.877 2.114 - - - - -231 -100,00%

53 - - 1.250 1.250 - - - - - 0 100,00%

54 - - - - - - - - - 0 0,00%

55 1.833 2.063 1.815 1.823 1.832 1.585 1.593 1.600 1.407 -656 -31,80%

56 607 - - - - - - - - 0 0,00%

57 5.820 6.420 5.436 5.416 5.360 5.278 5.117 4.287 3.265 -3.155 -49,14%

58 951 138 - - - 4 - - - -138 -100,00%

59 - - - - - - - - - 0 0,00%

60 - 318 105 - - 1 1 1 1 -317 -99,69%

61 - 215 - - - - - - - -215 -100,00%

62 - - - - - - - - - 0 0,00%

63 8.523 6.967 5.885 5.903 5.841 5.717 5.416 4.900 4.476 -2.491 -35,75%

64 20.526 22.263 20.396 21.146 21.810 20.233 19.257 19.636 18.729 -3.534 -15,87%

65 905 649 688 446 431 419 281 279 278 -371 -57,16%

66 - - - - - - - - - 0 0,00%

372.576 418.862 446.124 414.335 387.556 364.191 350.990 340.701 331.502 -87.360 -20,86%

46.286 27.262 (31.789) (26.779) (23.365) (13.201) (10.289) (9.199)

CRECIMIENTO OCT DE 2020 Vs

DIC 2019

Indicadores PERLAS

Indicador Ideal de Oblig. Financ./Activos:5% Máximo

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFIN

ANÁLISIS HISTÓRICO DEL INDICADOR DE LA DEUDA CON ENTIDADES BANCARIAS


1 1,10% 0,91% 0,82% 0,53% 0,50% 0,54% 0,54%

2 1,75% 2,11% 2,71% 2,74% 2,82% 3,14% 3,26% 3,36% 3,50%

3 5,48% 4,42% 4,05% 4,07% 4,75% 4,45% 4,25%

4 9,04% 8,60% 9,38% 9,47% 9,01% 9,16% 8,83%

5 4,10% 7,49% 7,29% 8,16% 8,13% 5,09% 3,48% 3,34% 1,10%

6 1,51% 1,77% 1,82% 1,91% 1,88% 1,96% 2,05% 2,07% 2,08%

7 18,24% 16,85% 14,23% 11,27% 8,56% 7,15% 7,00% 6,90% 6,79%

8 8,91% 10,64% 11,46% 11,34% 11,95% 11,92% 11,57% 11,71% 11,31%

9 0,18% 0,00% 0,00% 0,00% 0,06% 0,00% 0,00% 0,06% 0,10%

10 1,71% 2,15% 5,43% 5,33% 5,20% 5,05% 3,56% 3,48% 3,35%

11 1,06% 0,79% 0,80% 0,80% 0,79% 0,79% 0,83% 0,80% 0,77%

12 8,69% 7,22% 8,23% 7,10% 7,02% 6,80% 6,68% 6,33% 6,04%

13 6,95% 4,79% 4,50% 4,53% 4,37% 4,36% 4,42% 3,78% 2,76%

14 14,84% 15,10% 17,98% 17,48% 16,48% 15,00% 14,50% 15,64% 15,20%

15 6,63% 4,48% 10,25% 10,01% 6,95% 4,92% 4,92% 3,74% 3,58%

16 11,70% 20,30% 18,23% 19,29% 19,27% 18,71% 18,24% 18,56% 20,26%

17 14,40% 16,16% 13,16% 12,74% 12,46% 11,96% 11,52% 10,55% 9,65%

18 10,39% 15,88% 14,11% 13,92% 13,90% 13,68% 13,03% 12,73% 12,11%

19 5,48% 7,10% 6,92% 6,77% 5,94% 5,78% 5,75% 6,04% 5,61%

20 3,14% 11,72% 10,71% 10,18% 9,82% 9,47% 8,45% 8,15% 10,52%

21 10,36% 0,07% 3,97% 3,73% 3,84% 3,71% 3,60% 0,00% 0,00%

22 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

23 0,70% 2,04% 0,49% 0,48% 0,48% 0,46% 0,45% 0,44% 0,43%

24 21,68% 28,10% 32,73% 32,48% 32,49% 32,23% 31,59% 30,87% 30,69%

25 2,53% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

26 8,24% 0,00% 0,89% 0,59% 0,00% 0,00% 0,00% 0,00% 0,00%

27 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 2,26% 5,22%

28 4,75% 4,16% 5,22% 0,10% 0,10% 0,07% 0,04% 0,00% 0,01%

29 7,15% 3,42% 15,56% 15,53% 13,06% 10,06% 9,19% 11,12% 12,56%

30 6,98% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

31 11,62% 19,16% 15,86% 12,37% 14,09% 13,15% 12,31% 10,13% 10,68%

32 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

INDICADOR CALCULADO (DEUDA CON BANCOS / ACTIVOS)

Indicadores PERLAS

Indicador Ideal de Oblig. Financ./Activos:5% Máximo

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFIN

ANÁLISIS HISTÓRICO DEL INDICADOR DE LA DEUDA CON ENTIDADES BANCARIAS


33 5,99% 2,63% 1,80% 1,75% 1,76% 1,73% 1,07%

34 3,30% 3,33% 3,25% 2,82% 2,46% 2,43% 2,25%

35 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

36 9,53% 4,45% 3,48% 3,30% 3,21% 3,03% 2,86% 2,65% 2,52%

37 0,03% 0,02% 0,02% 0,02% 0,02% 0,02% 0,01% 0,01% 0,01%

38 7,17% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

39 6,49% 10,23% 11,82% 11,77% 11,64% 13,00% 13,05% 12,28% 10,01%

40 0,00% 6,11% 2,38% 2,16% 0,00% 0,00% 0,00% 0,00% 1,50%

41 0,05% 0,07% 0,05% 0,05% 0,04% 0,04% 0,08% 0,07% 0,06%

42 2,12% 0,58% 1,67% 1,59% 1,52% 1,46% 0,00% 0,00% 0,00%

43 6,57% 5,06% 5,90% 4,17% 2,97% 2,00% 0,90% 0,82% 0,24%

44 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

45 0,00% 0,00% 0,00% 0,00% 0,00% 1,45% 1,41% 0,00% 0,00%

46 0,37% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

47 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

48 4,41% 0,02% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

49 13,43% 16,61% 14,21% 17,42% 16,05% 29,51% 37,95% 13,00% 12,38%

50 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

51 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

52 0,00% 0,32% 3,83% 3,69% 2,68% 0,00% 0,00% 0,00% 0,00%

53 0,00% 0,00% 4,13% 4,13% 0,00% 0,00% 0,00% 0,00% 0,00%

54 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

55 24,06% 25,97% 23,96% 23,43% 23,52% 20,89% 20,73% 21,20% 18,49%

56 0,74% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

57 7,26% 7,44% 6,15% 6,17% 6,04% 5,89% 5,68% 4,83% 3,72%

58 3,52% 0,50% 0,00% 0,00% 0,00% 0,01% 0,00% 0,00% 0,00%

59 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

60 0,00% 0,95% 0,30% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

61 0,00% 0,52% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

62 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

63 28,95% 21,23% 17,09% 17,00% 16,87% 16,43% 15,60% 14,08% 12,67%

64 8,96% 8,88% 7,76% 7,94% 8,09% 7,49% 7,15% 7,27% 6,93%

65 9,58% 6,18% 6,29% 4,12% 3,96% 3,81% 2,59% 2,48% 2,42%

66 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

5,33% 5,10% 5,32% 5,07% 4,77% 4,68% 4,57% 4,11% 4,02%

INDICADOR CALCULADO (DEUDA CON BANCOS / ACTIVOS)

APORTES SOCIALES


COMPORTAMIENTO DE LOS APORTES





Crecim. Periódico 241.600$ 55.049$ 21.393$ 17.059$ 31.759$ 17.395$ 15.020$ 15.418$ 12.772$

Crecim. Año 2020 55.049$ 76.442$ 93.501$ 125.260$ 142.655$ 157.675$ 173.093$ 185.865$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56

Millones Dólares U$ 970$ 1.036$ 848$ 871$ 938$ 936$ 946$ 944$ 919$ 928$


Coop´s Vinculas a FECOLFIN

Crecimiento en el 2020, en $185 Mil Millones. Se estima un crecimiento levemente inferior al de 2019 que fue de $241 Mil Millones.

Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LOS APORTES SOCIALES


# Dic. 2018 DIC. 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

1 362.338 410.220 468.825 468.825 468.825 468.824 468.824

2 131.196 135.611 142.061 142.133 142.187 142.189 142.257 142.031 142.045 6.434 4,74%

3 133.721 138.721 138.721 138.721 138.721 138.721 138.721

4 117.200 138.669 146.900 147.494 148.171 149.710 151.073

5 79.951 82.405 82.638 82.711 83.977 84.106 84.298 84.494 84.528 2.123 2,58%

6 40.036 43.633 44.366 44.452 45.945 46.128 46.328 46.483 46.826 3.193 7,32%

7 91.099 101.901 106.300 106.910 111.450 111.814 111.604 110.866 109.954 8.053 7,90%

8 72.944 78.740 78.269 78.245 78.221 78.221 78.243 78.229 78.248 (492) -0,62%

9 103.013 107.999 109.067 109.359 111.356 111.008 111.244 111.313 111.538 3.539 3,28%

10 17.281 19.153 19.510 19.483 19.447 19.446 19.557 19.689 19.857 704 3,68%

11 24.036 27.436 28.212 28.328 28.493 28.662 28.807 29.854 30.036 2.600 9,48%

12 27.883 28.835 28.913 28.882 28.898 28.889 28.940 28.951 28.694 (141) -0,49%

13 13.594 14.911 15.283 15.312 15.366 15.449 15.546 15.633 15.723 812 5,45%

14 16.132 16.999 17.110 17.040 17.033 17.091 17.130 17.187 17.148 149 0,88%

15 25.342 32.352 33.041 33.163 33.814 33.853 33.881 33.619 33.735 1.383 4,27%

16 10.018 11.869 12.153 12.150 12.265 12.489 12.684 12.855 13.051 1.182 9,96%

17 6.961 7.529 7.779 7.788 7.819 7.859 7.906 7.959 8.005 476 6,32%

18 32.661 33.887 34.079 34.117 34.152 34.134 34.072 34.085 34.177 290 0,86%

19 15.387 16.018 16.179 16.209 16.238 16.265 16.432 16.491 16.561 543 3,39%

20 8.508 8.190 8.361 8.366 8.360 8.302 8.260 8.190 8.216 26 0,32%

21 20.748 22.894 23.309 23.403 24.306 24.419 24.507 24.609 24.659 1.765 7,71%

22 20.362 21.656 21.966 22.058 22.227 22.346 22.435 22.584 22.757 1.101 5,08%

23 68.745 75.404 76.974 77.417 79.156 79.582 79.983 80.311 80.747 5.343 7,09%

24 11.433 13.163 13.508 13.586 13.664 13.733 13.833 13.899 13.987 824 6,26%

25 6.699 7.221 7.256 7.263 7.273 7.291 7.500 7.537 7.557 336 4,65%

26 51.476 53.525 53.508 53.604 53.817 53.847 53.963 54.121 53.883 358 0,67%

27 2.314 2.463 2.510 2.517 2.515 2.535 2.546 2.572 2.608 145 5,89%

28 10.490 11.623 12.985 12.985 12.985 12.985 12.984 12.984 12.984 1.361 11,71%

29 6.095 8.471 9.164 9.147 9.392 9.572 9.790 11.592 11.795 3.324 39,24%

30 2.869 3.243 3.391 3.416 3.421 3.487 3.526 3.564 3.611 368 11,35%

31 4.315 4.944 5.099 5.143 5.193 5.251 5.308 5.367 5.420 476 9,63%

32 2.420 2.526 2.563 2.597 2.615 2.632 2.646 2.654 2.647 121 4,79%

CRECIMIENTO DIC. 2019 -

OCT 2020

Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DE LOS APORTES SOCIALES


# Dic. 2018 DIC. 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

33 47.150 50.070 50.644 50.651 50.663 50.672 50.685

34 58.297 66.970 63.588 63.636 63.843 64.073 64.134

35 12.176 13.154 13.416 13.544 13.616 13.699 13.765 13.838 13.905 751 5,71%

36 20.064 22.913 23.759 23.864 24.227 24.226 24.412 24.551 24.771 1.858 8,11%

37 38.497 41.906 42.997 43.279 43.764 44.035 44.259 44.190 44.349 2.443 5,83%

38 4.017 4.487 4.620 4.651 4.729 4.744 4.768 4.801 4.827 340 7,58%

39 9.221 11.468 12.169 12.299 12.526 12.811 13.114 13.437 13.788 2.320 20,23%

40 9.680 10.635 10.825 10.875 11.048 11.089 11.164 11.294 11.388 753 7,08%

41 10.296 10.780 11.125 11.163 11.206 11.244 11.309 11.312 11.315 535 4,96%

42 5.573 6.331 6.518 6.561 6.610 6.671 6.710 6.766 6.814 483 7,63%

43 5.916 6.534 6.632 6.626 6.651 6.871 6.906 6.953 6.998 464 7,10%

44 4.943 5.290 5.439 5.465 5.479 5.472 5.492 5.557 5.648 358 6,77%

45 5.724 6.236 6.347 6.346 6.365 6.368 6.392 6.390 6.405 169 2,71%

46 5.838 6.112 6.116 6.098 6.118 6.141 6.173 6.192 6.236 124 2,03%

47 6.859 7.596 7.948 7.987 8.041 8.093 8.169 8.247 8.258 662 8,72%

48 4.921 5.170 5.305 5.314 5.334 5.322 5.353 5.356 5.381 211 4,08%

49 5.083 5.581 5.725 5.719 5.728 5.776 5.810 5.860 5.869 288 5,16%

50 3.107 3.191 3.311 3.311 3.301 3.287 3.277 3.283 3.280 89 2,79%

51 2.217 2.252 2.277 2.276 2.280 2.274 2.272 2.275 2.279 27 1,20%

52 32.069 37.705 39.371 39.735 40.504 40.822 41.231 41.677 42.173 4.468 11,85%

53 4.206 5.090 5.266 5.313 5.355 5.309 5.365 5.430 5.510 420 8,25%

54 31.545 32.638 32.678 32.905 33.386 33.352 33.551 33.564 33.447 809 2,48%

55 2.204 2.275 2.292 2.292 2.303 2.314 2.318 2.327 2.416 141 6,20%

56 11.871 12.976 13.216 13.245 13.293 13.698 13.754 13.802 13.858 882 6,80%

57 24.488 25.395 25.967 26.108 26.198 26.361 26.391 26.424 26.762 1.367 5,38%

58 9.102 9.458 9.529 9.521 9.532 9.564 9.584 9.603 9.626 168 1,78%

59 2.764 3.188 3.266 3.269 3.271 3.272 3.376 3.384 3.481 293 9,19%

60 10.748 12.690 13.130 12.807 13.300 13.409 13.546 13.681 13.816 1.126 8,87%

61 27.221 29.332 29.293 29.260 29.245 29.365 29.342 29.282 29.021 (311) -1,06%

62 4.383 4.576 4.571 4.598 4.637 4.641 4.649 4.668 4.686 110 2,40%

63 3.289 3.864 3.983 4.005 4.031 4.145 4.179 4.218 4.301 437 11,31%

64 20.127 22.879 23.799 23.922 24.049 24.139 24.236 24.347 24.494 1.615 7,06%

65 1.714 1.793 1.807 1.807 1.810 1.811 1.823 1.822 1.824 31 1,73%

66 16.280 16.244 16.368 16.354 16.372 16.245 16.284 16.377 16.481 237 1,46%

1.280.151 1.384.340 1.414.619 1.418.303 1.435.894 1.440.155 1.445.184 1.450.631 1.454.404 70.064 5,06%

104.189 70.064

CRECIMIENTO DIC. 2019 -

OCT 2020

Indicadores PERLAS

Indicador Ideal de Aportes/Activos:10% mín a 20% Máximo

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINANÁLISIS HISTÓRICO DEL INDICADOR DE APORTES

INDICADOR CALCULADO (APORTES / ACTIVO TOTAL)

# DIC. 2018 DIC. 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020

1 9,12% 9,62% 10,85% 10,88% 10,42% 10,89% 10,77%

2 10,42% 9,98% 10,13% 10,16% 10,09% 10,03% 10,04% 9,99% 9,90%

3 18,33% 14,80% 14,11% 14,13% 13,82% 13,46% 13,42%

4 12,13% 12,38% 13,00% 12,81% 12,67% 12,55% 12,61%

5 32,61% 28,61% 27,39% 26,93% 27,15% 28,12% 28,50% 28,35% 28,65%

6 9,89% 9,85% 9,79% 9,74% 10,05% 10,01% 10,04% 9,95% 9,85%

7 17,13% 16,36% 16,69% 17,18% 18,40% 18,44% 18,34% 18,26% 18,14%

8 27,12% 31,07% 31,51% 31,74% 31,51% 31,64% 31,81% 31,54% 31,80%

9 37,71% 37,19% 37,10% 36,98% 37,35% 36,99% 36,84% 36,81% 36,77%

10 8,72% 8,69% 8,55% 8,54% 8,48% 8,39% 8,46% 8,48% 8,42%

11 14,40% 14,53% 14,39% 14,35% 14,34% 14,31% 14,31% 14,73% 14,80%

12 20,00% 19,33% 18,48% 18,59% 18,64% 18,63% 18,85% 18,86% 18,73%

13 10,44% 10,11% 10,04% 9,97% 9,93% 9,85% 9,88% 9,95% 10,15%

14 15,01% 15,24% 14,77% 14,79% 14,88% 15,08% 15,11% 15,26% 15,20%

15 19,09% 22,29% 22,21% 22,06% 22,60% 22,70% 22,38% 21,92% 21,23%

16 10,04% 9,59% 9,63% 9,26% 9,00% 9,08% 9,08% 9,07% 8,67%

17 8,64% 8,16% 8,59% 8,45% 8,48% 8,54% 8,74% 8,84% 8,85%

18 49,60% 43,31% 43,04% 42,90% 42,92% 42,23% 41,92% 41,94% 42,13%

19 17,67% 16,14% 16,05% 16,08% 16,06% 15,88% 15,76% 15,66% 15,64%

20 10,66% 10,32% 10,31% 10,10% 10,01% 9,85% 9,79% 9,68% 9,46%

21 15,38% 16,22% 15,28% 15,23% 15,47% 15,44% 15,48% 16,10% 15,90%

22 22,37% 21,11% 20,92% 20,86% 20,67% 20,43% 20,29% 20,18% 20,16%

23 23,77% 22,91% 22,54% 22,46% 22,80% 22,33% 22,18% 22,02% 21,81%

24 13,47% 12,28% 11,76% 11,73% 11,79% 11,80% 11,76% 11,87% 12,24%

25 10,83% 10,01% 9,81% 9,73% 9,59% 9,42% 9,74% 9,59% 9,56%

26 23,19% 23,74% 23,78% 23,65% 23,33% 22,77% 22,62% 22,39% 22,22%

27 59,55% 59,62% 59,82% 59,55% 60,15% 60,86% 61,14% 59,22% 57,89%

28 5,72% 5,67% 6,00% 5,98% 5,83% 5,74% 5,76% 5,76% 5,78%

29 54,13% 57,41% 50,30% 51,96% 54,17% 53,92% 52,12% 54,32% 53,05%

30 17,41% 17,61% 17,91% 17,98% 17,78% 18,09% 18,07% 18,04% 18,21%

31 29,73% 27,20% 28,04% 27,99% 28,33% 28,40% 28,64% 29,32% 28,54%

32 47,24% 47,62% 45,01% 45,09% 44,92% 44,68% 44,42% 44,06% 44,24%

Indicadores PERLAS

Indicador Ideal de Aportes/Activos:10% mín a 20% Máximo

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINANÁLISIS HISTÓRICO DEL INDICADOR DE APORTES

INDICADOR CALCULADO (APORTES / ACTIVO TOTAL)

# DIC. 2018 DIC. 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020

33 4,91% 4,71% 4,47% 4,48% 4,49% 4,50% 4,58%

34 7,83% 8,04% 7,38% 7,38% 7,29% 7,24% 7,18%

35 53,27% 56,14% 58,32% 58,85% 59,61% 59,77% 56,50% 56,59% 57,41%

36 33,49% 34,99% 36,52% 36,37% 37,70% 37,45% 37,18% 36,76% 37,00%

37 33,00% 33,25% 33,62% 33,65% 33,89% 33,69% 33,74% 33,79% 33,76%

38 25,51% 26,50% 25,88% 25,62% 25,81% 25,97% 25,73% 25,73% 25,48%

39 10,26% 9,81% 9,75% 9,88% 9,96% 9,81% 9,81% 10,01% 10,09%

40 17,20% 17,07% 16,83% 16,78% 17,06% 16,74% 16,73% 16,94% 17,09%

41 24,67% 23,64% 23,67% 23,47% 23,27% 23,08% 23,01% 22,79% 22,66%

42 17,75% 18,23% 18,11% 17,87% 17,75% 17,72% 17,99% 18,21% 18,44%

43 13,17% 12,29% 11,66% 11,85% 11,43% 11,47% 11,45% 11,19% 11,08%

44 23,07% 24,02% 23,90% 23,84% 23,75% 23,66% 23,58% 23,43% 23,88%

45 20,94% 20,00% 19,28% 18,96% 18,93% 18,39% 18,31% 18,79% 19,07%

46 21,63% 20,98% 21,12% 20,64% 20,62% 20,29% 20,17% 20,39% 20,50%

47 29,27% 29,61% 29,98% 29,88% 29,97% 29,93% 29,86% 30,00% 30,15%

48 35,89% 35,59% 36,07% 36,29% 36,35% 35,54% 37,21% 36,42% 36,77%

49 40,84% 41,71% 43,70% 43,96% 42,48% 42,35% 30,03% 30,08% 30,02%

50 19,64% 17,18% 17,99% 17,65% 17,87% 17,64% 21,96% 21,99% 21,85%

51 34,32% 33,27% 33,59% 33,37% 33,01% 32,78% 32,58% 32,53% 32,14%

52 54,19% 52,59% 51,32% 51,01% 51,43% 52,03% 51,73% 51,38% 51,21%

53 18,50% 18,88% 17,42% 17,53% 18,22% 18,00% 18,04% 17,92% 17,91%

54 37,04% 36,84% 36,04% 35,85% 35,91% 36,31% 36,99% 38,03% 38,49%

55 28,92% 28,64% 30,26% 29,46% 29,57% 30,50% 30,16% 30,83% 31,75%

56 14,50% 14,82% 14,61% 14,53% 14,47% 14,69% 14,47% 14,45% 14,32%

57 30,56% 29,41% 29,36% 29,75% 29,52% 29,43% 29,27% 29,76% 30,48%

58 33,73% 33,96% 34,17% 34,00% 33,72% 33,61% 33,58% 33,49% 33,07%

59 37,68% 38,13% 37,40% 37,30% 36,41% 36,27% 37,90% 36,44% 37,67%

60 38,06% 37,77% 37,47% 35,88% 36,97% 36,70% 36,72% 36,34% 36,22%

61 71,76% 71,58% 69,96% 69,34% 69,12% 69,19% 69,49% 69,03% 68,80%

62 52,92% 52,11% 51,12% 50,72% 50,42% 49,98% 49,64% 49,44% 49,14%

63 11,17% 11,77% 11,56% 11,53% 11,64% 11,91% 12,04% 12,12% 12,18%

64 8,79% 9,12% 9,05% 8,99% 8,93% 8,94% 9,00% 9,02% 9,07%

65 18,14% 17,07% 16,53% 16,70% 16,65% 16,48% 16,83% 16,18% 15,90%

66 49,45% 46,70% 45,78% 45,32% 44,55% 43,33% 43,31% 43,61% 44,70%

25,05% 24,78% 24,57% 24,49% 24,55% 24,48% 24,33% 25,51% 25,51%

DISPONIBLE


COMPORTAMIENTO DEL DISPONIBLE





Crecim. Periódico 410.060$ 256.570$ 246.925$ 183.738$ 122.162$ 102.953$ 49.737$ 47.465-$ 55.368-$

Crecim. Año 2020 256.570$ 503.495$ 687.233$ 809.395$ 912.348$ 962.085$ 914.620$ 859.252$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56




Crecimiento en el 2020, en $859 Mil Millones. Se estima reducción por reactivación en la colocación de la Cartera. Año 2019 creció $410 Mil Millones.

Coop´s Vinculadas a FECOLFIN

Crecimiento en el 2020, en $451 Mil Millones. Se estima reducción por reactivación en la colocación de la Cartera.

Un número bastante importante de Cooperativas Cerraron con un Disponible muy por encima del 20%


Indicador Ideal de Disponible/Depósitos:Entre 15% a 20% Máx

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DEL DISPONIBLE - AÑO 2020

(Dinero en Caja, Bancos e Inversiones / Depósitos Asociados) - Datos en Millones de Pesos.

#

Efectivo y

Equivalente.

2019

Inversiones.

2019 *

Total

Recursos

Disponibles

Indicador del

Disponible

2019

Efectivo y

Equivalente.

Oct 2020

Inversiones.

Oct 2020 *

Total

Recursos

Disponibles

Indicador del

Disponible a

Oct 2020

Increm /

Reducc.

Disponible

Oct 2020 Vs.

Dic 2019

1 276.889 432.782 709.671 19,99%

2 86.846 111.154 198.000 24,17% 208.001 101.631 309.632 35,15% 111.632

3 72.789 86.730 159.519 20,85%

4 139.829 64.083 203.912 25,71%

5 20.851 2.591 23.442 17,36% 33.454 2.619 36.073 22,31% 12.631

6 33.082 72.265 105.347 35,06% 108.836 2.835 111.671 34,10% 6.324

7 13.972 33.551 47.523 14,38% 12.093 37.834 49.927 13,12% 2.404

8 8.487 85.957 94.444 175,45% 14.836 86.834 101.670 170,38% 7.226

9 26.624 10.196 36.820 39,22% 28.061 9.005 37.066 37,38% 246

10 12.112 17.445 29.557 18,19% 13.164 19.283 32.447 18,09% 2.890

11 6.503 53.949 60.452 46,78% 53.760 25.874 79.634 56,79% 19.182

12 15.015 172 15.187 16,50% 20.091 173 20.264 20,68% 5.077

13 6.566 9.322 15.888 14,49% 9.489 10.272 19.761 16,48% 3.873

14 8.724 2.209 10.933 19,29% 11.388 2.220 13.608 23,58% 2.675

15 24.056 561 24.617 26,95% 30.258 18.513 48.771 47,45% 24.154

16 8.119 1.355 9.474 12,15% 21.279 466 21.745 22,27% 12.271

17 2.575 5.498 8.073 16,02% 2.723 6.260 8.983 16,51% 910

18 2.252 8.185 10.437 76,67% 4.128 6.726 10.854 55,79% 417

19 4.873 4.136 9.009 14,83% 4.750 4.269 9.019 13,32% 10

20 4.122 5.939 10.061 19,97% 3.932 4.832 8.764 15,23% - 1.297

21 6.427 5.429 11.856 12,71% 20.614 565 21.179 20,05% 9.323

22 11.471 417 11.888 17,57% 15.449 2.970 18.419 24,56% 6.531

23 17.448 21.052 38.500 18,71% 51.173 9.849 61.022 25,27% 22.522

24 3.831 4.228 8.059 14,15% 11.275 570 11.845 20,16% 3.786

25 13.720 155 13.875 23,86% 18.701 161 18.862 28,91% 4.987

26 15.772 3.460 19.232 13,11% 20.076 3.617 23.693 14,46% 4.461

27 252 122 374 30,96% 171 54 225 19,07% - 149

28 10.541 11.877 22.418 14,59% 36.317 10.205 46.522 25,99% 24.104

29 765 58 823 25,47% 1.044 59 1.103 24,50% 280

30 932 3.418 4.350 31,87% 1.205 4.071 5.276 35,99% 926

31 1.341 1.115 2.456 35,07% 1.663 653 2.316 26,89% - 140

32 181 377 558 34,74% 133 1.125 1.258 59,31% 700


Indicador Ideal de Disponible/Depósitos:Entre 15% a 20% Máx

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DEL DISPONIBLE - AÑO 2020

(Dinero en Caja, Bancos e Inversiones / Depósitos Asociados) - Datos en Millones de Pesos.

#

Efectivo y

Equivalente.

2019

Inversiones.

2019 *

Total

Recursos

Disponibles

Indicador del

Disponible

2019

Efectivo y

Equivalente.

Oct 2020

Inversiones.

Oct 2020 *

Total

Recursos

Disponibles

Indicador del

Disponible a

Oct 2020

Increm /

Reducc.

Disponible

Oct 2020 Vs.

Dic 2019

33 125.196 137.978 263.174 32,53%

34 99.508 48.575 148.083 23,75%

35 1.728 199 1.927 46,33% 4.650 202 4.852 125,70% 2.925

36 7.220 742 7.962 26,11% 9.777 784 10.561 34,43% 2.599

37 14.391 5.199 19.590 29,41% 29.613 5.408 35.021 49,97% 15.431

38 888 1.062 1.950 27,66% 4.263 1.086 5.349 60,57% 3.399

39 6.899 6.326 13.225 17,05% 16.950 1.864 18.814 20,07% 5.589

40 6.362 717 7.079 15,42% 9.085 1.217 10.302 18,95% 3.223

41 6.327 5.349 11.676 42,75% 12.209 3.747 15.956 51,61% 4.280

42 3.456 2.081 5.537 23,97% 5.887 2.684 8.571 34,43% 3.034

43 7.237 889 8.126 25,71% 11.943 3.541 15.484 36,35% 7.358

44 3.918 912 4.830 33,87% 5.944 1.161 7.105 45,18% 2.275

45 2.213 3.327 5.540 28,88% 6.117 4.131 10.248 47,29% 4.708

46 4.279 2.785 7.064 33,86% 6.967 3.923 10.890 49,26% 3.826

47 2.348 110 2.458 19,48% 5.879 116 5.995 45,03% 3.537

48 3.658 70 3.728 48,80% 3.841 69 3.910 45,71% 182

49 1.758 821 2.579 31,11% 4.144 744 4.888 55,82% 2.309

50 1.122 192 1.314 19,34% 1.681 279 1.960 27,98% 646

51 1.114 1.001 2.115 52,39% 2.486 959 3.445 77,56% 1.330

52 4.687 2.425 7.112 27,15% 15.710 2.705 18.415 58,61% 11.303

53 4.290 2.322 6.612 37,51% 9.929 20 9.949 48,13% 3.337

54 16.856 3.338 20.194 44,54% 13.970 11.337 25.307 57,57% 5.113

55 667 424 1.091 43,52% 611 171 782 26,29% - 309

56 13.440 11.927 25.367 47,75% 15.987 15.021 31.008 50,56% 5.641

57 7.466 1.210 8.676 23,16% 7.938 1.218 9.156 22,62% 480

58 2.416 1.238 3.654 31,84% 7.061 1.015 8.076 60,99% 4.422

59 1.502 617 2.119 60,34% 2.674 660 3.334 78,87% 1.215

60 1.147 1.408 2.555 15,20% 1.589 2.150 3.739 18,48% 1.184

61 1.109 318 1.427 25,90% 1.990 301 2.291 34,35% 864

62 1.699 2.119 3.818 138,43% 1.403 2.838 4.241 133,49% 423

63 2.047 1.164 3.211 17,82% 3.389 1.377 4.766 21,11% 1.555

64 13.445 13.826 27.271 15,24% 27.473 7.951 35.424 17,68% 8.153

65 814 62 876 13,66% 2.284 63 2.347 30,29% 1.471

66 3.746 257 4.003 40,55% 5.917 258 6.175 52,81% 2.172

517.709 550.630 1.068.339 24,96% 1.017.425 452.545 1.469.970 30,77% 401.631

CAPITAL INSTITUCIONAL


COMPORTAMIENTO DEL CAPITAL INSTITUCIONAL





Crecim. Periódico 118.482$ 79.718$ 3.510$ 9.705$ 28.026$ 905-$ 4.933$ 2.515$ 3.067-$

Crecim. Año 2020 79.718$ 83.228$ 92.933$ 120.959$ 120.054$ 124.987$ 127.502$ 124.435$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56




Crecimiento en el 2020, en $124 Mil Millones. Crecimiento superior al año 2019 que fue de $118 Mil Millones.

Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFIN


# DIC. 2018 DIC. 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

1 26.276 31.596 38.108 38.108 38.108 38.108 38.108

2 242.848 263.996 284.630 284.630 284.630 284.630 284.630 284.630 284.630 20.634 7,82%

4 49.350 53.226 57.436 57.461 57.502 57.556 57.605

5 18.677 20.469 20.466 20.466 23.355 23.355 23.354 23.354 23.353 2.884 14,09%

6 70.070 71.826 71.827 71.827 75.384 75.384 77.384 77.384 77.384 5.558 7,74%

7 47.622 52.382 52.382 52.382 55.640 57.617 57.617 57.617 57.617 5.235 9,99%

8 84.183 84.183 84.183 84.183 84.183 84.183 84.183 84.183 84.183 - 0,00%

9 23.370 25.519 25.717 25.868 26.530 26.673 26.770 26.833 26.892 1.373 5,38%

10 21.655 23.913 26.534 26.534 26.534 26.534 26.534 26.534 26.534 2.621 10,96%

11 18.592 20.198 20.198 20.198 20.198 20.198 20.198 21.942 21.942 1.744 8,63%

12 6.724 7.451 7.451 7.451 8.526 8.526 8.526 8.526 8.526 1.075 14,43%

13 8.433 9.016 10.360 10.359 10.362 10.362 10.362 10.362 10.360 1.344 14,91%

14 11.789 12.968 12.425 13.161 13.704 13.704 13.704 13.704 13.161 193 1,49%

15 7.690 8.197 8.638 8.638 8.638 8.638 8.638 8.638 8.638 441 5,38%

16 3.341 3.452 3.575 3.575 3.575 3.575 3.575 3.575 3.575 123 3,56%

17 12.021 12.781 12.764 12.764 13.562 13.562 13.562 13.562 13.544 763 5,97%

18 9.455 9.627 9.782 9.782 9.782 9.782 9.782 9.782 9.782 155 1,61%

19 7.110 7.745 8.564 8.564 8.564 8.564 8.564 8.564 8.564 819 10,57%

20 4.718 4.893 5.267 5.267 5.267 5.267 5.267 5.267 5.267 374 7,64%

21 15.161 17.904 17.904 17.904 20.040 20.040 20.040 20.040 20.040 2.136 11,93%

22 5.346 5.879 5.880 6.664 6.594 6.594 6.594 6.594 6.594 715 12,16%

23 20.224 20.751 20.740 20.739 21.276 21.276 21.276 21.276 21.265 514 2,48%

24 5.119 5.933 6.454 6.454 6.454 6.454 6.454 6.454 6.454 521 8,78%

25 3.742 4.175 4.176 4.176 4.720 4.720 4.720 4.720 4.720 545 13,05%

26 7.506 8.032 8.033 8.835 8.834 8.834 8.834 8.834 8.834 802 9,99%

27 349 394 444 444 444 444 444 444 444 50 12,69%

28 16.511 18.685 21.912 21.912 21.912 21.912 21.912 21.911 21.911 3.226 17,27%

29 808 995 1.206 1.206 1.205 1.205 1.205 1.205 1.205 210 21,11%

30 1.183 1.298 1.079 1.079 1.079 1.079 1.079 1.079 1.079 (219) -16,87%

31 2.451 2.751 3.146 3.146 3.148 3.148 3.148 3.148 3.146 395 14,36%

32 1.028 1.125 1.218 1.218 1.218 1.218 1.218 1.218 1.218 93 8,27%

CRECIMIENTO DIC. 2019 - OCT 2020

COMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DEL CAPITAL INSTITUCIONAL (APORTES AMORTIZADOS, RESERVAS, FONDO DE AMORTIZACIÓN DE APORTES Y AUXILIOS Y

DONACIONES)

Coop´s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFIN


# DIC. 2018 DIC. 2019 ABR 2020 MAYO 2020 JUNIO 2020 JULIO 2020 AGOST 2020 SEPT 2020 OCT 2020 $ %

33 125.106 124.312 124.380 124.380 124.351 124.351 124.351

34 35.407 41.884 41.165 41.165 41.165 41.160 41.160

35 1.770 1.833 1.833 1.900 1.901 1.901 1.901 1.901 1.901 68 3,71%

36 3.153 3.754 3.754 3.754 4.321 4.321 4.321 4.321 4.321 567 15,10%

37 6.549 7.035 7.073 7.035 7.442 7.442 7.442 7.442 7.442 407 5,79%

38 4.463 1.627 1.609 1.609 1.758 1.758 1.758 1.758 1.739 112 6,88%

39 8.999 10.004 11.299 11.299 11.299 11.299 11.299 11.299 11.299 1.295 12,94%

40 167 326 312 312 516 510 498 485 485 159 48,77%

41 4.689 4.805 4.912 4.912 4.912 4.912 4.912 4.912 4.912 107 2,23%

42 2.237 2.554 2.811 2.811 2.811 2.811 2.811 2.811 2.811 257 10,06%

43 7.371 8.284 8.278 8.278 9.315 9.315 9.315 9.315 9.308 1.024 12,36%

44 5.024 5.349 5.469 5.469 5.469 5.469 5.469 5.469 5.469 120 2,24%

45 4.616 5.556 5.557 5.557 5.885 5.885 5.885 5.885 5.885 329 5,92%

46 1.057 959 1.061 1.061 1.061 1.061 1.061 1.061 1.061 102 10,64%

47 2.641 2.752 2.921 2.921 2.921 2.921 2.920 2.920 2.920 168 6,10%

48 231 237 275 275 275 275 275 275 275 38 16,03%

49 1.209 1.412 1.505 1.505 1.544 1.544 1.544 1.544 1.505 93 6,59%

50 3.070 3.171 3.235 3.235 3.235 3.235 3.235 3.235 3.235 64 2,02%

51 154 162 175 175 175 175 175 175 175 13 8,02%

52 2.391 2.790 2.736 2.736 3.315 3.315 3.315 3.315 3.261 471 16,88%

53 2.313 2.616 2.890 2.889 2.890 2.890 2.890 2.889 2.889 273 10,44%

54 5.923 6.384 6.384 6.384 6.847 6.847 6.847 6.847 6.847 463 7,25%

55 1.301 1.396 1.397 1.539 1.539 1.539 1.539 1.539 1.539 143 10,24%

56 14.577 16.285 17.967 17.967 17.967 17.967 17.967 17.967 17.967 1.682 10,33%

57 8.472 8.472 8.523 8.523 8.523 8.523 8.523 8.523 8.523 51 0,60%

58 6.652 6.702 6.803 6.803 6.814 6.814 6.814 6.814 6.803 101 1,51%

59 834 1.049 1.049 1.049 1.271 1.270 1.270 1.270 1.270 221 21,07%

60 1.578 1.872 1.872 1.728 1.963 1.963 1.963 1.963 1.963 91 4,86%

61 2.531 2.794 2.961 2.961 2.961 2.961 2.961 2.961 2.961 167 5,98%

62 2.172 2.220 2.259 2.259 2.259 2.259 2.259 2.259 2.259 39 1,76%

63 1.672 2.228 2.229 2.229 2.663 2.663 2.663 2.663 2.663 435 19,52%

64 7.522 8.272 8.272 8.272 8.272 8.272 8.843 8.843 8.841 569 6,88%

65 932 1.060 1.203 1.203 1.203 1.208 1.208 1.208 1.204 144 13,58%

66 6.624 6.686 6.799 6.799 6.799 6.799 6.799 6.799 6.794 108 1,62%

800.620 857.184 892.378 894.875 915.484 917.602 920.256 922.048 921.389 64.205 7,49%

56.564 64.205

CRECIMIENTO DIC. 2019 - OCT 2020

COMPORTAMIENTO HISTÓRICO EN EL CRECIMIENTO DEL CAPITAL INSTITUCIONAL (APORTES AMORTIZADOS, RESERVAS, FONDO DE AMORTIZACIÓN DE APORTES Y AUXILIOS Y

DONACIONES)


Indicador Ideal de K. Instituc./Activos:Mínimo 10%

ANÁLISIS AFILIADAS A FECOLFINANÁLISIS HISTÓRICO DEL INDICADOR DE CAPITAL INSTITUCIONAL


1 0,66% 0,74% 0,88% 0,88% 0,85% 0,88% 0,88%

2 19,29% 19,44% 20,30% 20,35% 20,20% 20,09% 20,09% 20,02% 19,83%

3 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%

4 5,11% 4,75% 5,08% 4,99% 4,92% 4,83% 4,81%

5 7,62% 7,11% 6,78% 6,66% 7,55% 7,81% 7,90% 7,84% 7,91%

6 17,31% 16,21% 15,85% 15,75% 16,49% 16,35% 16,76% 16,57% 16,28%

7 8,96% 8,41% 8,23% 8,42% 9,19% 9,50% 9,47% 9,49% 9,51%

8 31,30% 33,22% 33,89% 34,15% 33,92% 34,06% 34,23% 33,94% 34,21%

9 8,56% 8,79% 8,75% 8,75% 8,90% 8,89% 8,87% 8,87% 8,86%

10 10,93% 10,85% 11,63% 11,64% 11,56% 11,45% 11,48% 11,43% 11,25%

11 11,14% 10,70% 10,30% 10,23% 10,17% 10,09% 10,03% 10,83% 10,81%

12 4,82% 5,00% 4,76% 4,80% 5,50% 5,50% 5,55% 5,55% 5,57%

13 6,48% 6,11% 6,80% 6,75% 6,70% 6,61% 6,59% 6,59% 6,69%

14 10,97% 11,62% 10,72% 11,43% 11,97% 12,09% 12,09% 12,17% 11,67%

15 5,79% 5,65% 5,81% 5,75% 5,77% 5,79% 5,71% 5,63% 5,44%

16 3,35% 2,79% 2,83% 2,73% 2,62% 2,60% 2,56% 2,52% 2,37%

17 14,92% 13,85% 14,09% 13,85% 14,71% 14,73% 14,99% 15,06% 14,97%

18 14,36% 12,30% 12,35% 12,30% 12,29% 12,10% 12,04% 12,04% 12,06%

19 8,17% 7,80% 8,49% 8,50% 8,47% 8,36% 8,21% 8,13% 8,09%

20 5,91% 6,16% 6,50% 6,36% 6,31% 6,25% 6,25% 6,22% 6,06%

21 11,24% 12,68% 11,73% 11,66% 12,75% 12,67% 12,66% 13,11% 12,92%

22 5,87% 5,73% 5,60% 6,30% 6,13% 6,03% 5,96% 5,89% 5,84%

23 6,99% 6,31% 6,07% 6,02% 6,13% 5,97% 5,90% 5,83% 5,74%

24 6,03% 5,53% 5,62% 5,57% 5,57% 5,54% 5,49% 5,51% 5,65%

25 6,05% 5,79% 5,65% 5,59% 6,22% 6,10% 6,13% 6,01% 5,97%

26 3,38% 3,56% 3,57% 3,90% 3,83% 3,74% 3,70% 3,65% 3,64%

27 8,98% 9,54% 10,58% 10,50% 10,62% 10,66% 10,66% 10,22% 9,86%

28 9,01% 9,11% 10,12% 10,09% 9,83% 9,69% 9,72% 9,73% 9,75%

29 7,18% 6,74% 6,62% 6,85% 6,95% 6,79% 6,42% 5,65% 5,42%

30 7,18% 7,05% 5,70% 5,68% 5,61% 5,60% 5,53% 5,46% 5,44%

31 16,89% 15,14% 17,30% 17,12% 17,17% 17,03% 16,99% 17,20% 16,57%

32 20,07% 21,21% 21,39% 21,15% 20,92% 20,68% 20,45% 20,22% 20,36%

CUENTAS DEL BALANCE ( APORTES AMORTIZADOS, RESERVAS, FONDO DE

AMORTIZACIÓN DE APORTES Y AUXILIOS Y DONACIONES)


Indicador Ideal de K. Instituc./Activos:Mínimo 10%

ANÁLISIS AFILIADAS A FECOLFINANÁLISIS HISTÓRICO DEL INDICADOR DE CAPITAL INSTITUCIONAL


33 13,04% 11,69% 10,98% 11,00% 11,01% 11,05% 11,23%

34 4,76% 5,03% 4,78% 4,77% 4,70% 4,65% 4,61%

35 7,74% 7,82% 7,97% 8,26% 8,32% 8,29% 7,80% 7,77% 7,85%

36 5,26% 5,73% 5,77% 5,72% 6,72% 6,68% 6,58% 6,47% 6,45%

37 5,61% 5,58% 5,53% 5,47% 5,76% 5,69% 5,67% 5,69% 5,67%

38 28,34% 9,61% 9,01% 8,86% 9,59% 9,63% 9,49% 9,42% 9,18%

39 10,01% 8,56% 9,06% 9,07% 8,98% 8,65% 8,45% 8,41% 8,27%

40 0,30% 0,52% 0,49% 0,48% 0,80% 0,77% 0,75% 0,73% 0,73%

41 11,23% 10,54% 10,45% 10,33% 10,20% 10,08% 9,99% 9,90% 9,84%

42 7,13% 7,36% 7,81% 7,65% 7,55% 7,46% 7,54% 7,57% 7,61%

43 16,41% 15,58% 14,55% 14,81% 16,01% 15,55% 15,44% 15,00% 14,73%

44 23,45% 24,29% 24,03% 23,86% 23,71% 23,65% 23,49% 23,06% 23,12%

45 16,88% 17,82% 16,88% 16,60% 17,50% 17,00% 16,86% 17,30% 17,53%

46 3,92% 3,29% 3,66% 3,59% 3,58% 3,51% 3,47% 3,49% 3,49%

47 11,27% 10,73% 11,02% 10,93% 10,89% 10,80% 10,67% 10,62% 10,66%

48 1,68% 1,63% 1,87% 1,88% 1,87% 1,84% 1,84% 1,84% 1,88%

49 9,71% 10,55% 11,49% 11,57% 11,45% 11,32% 10,73% 10,50% 7,70%

50 19,41% 17,07% 17,57% 17,24% 17,51% 17,36% 16,72% 16,61% 21,55%

51 2,38% 2,39% 2,58% 2,57% 2,53% 2,52% 2,51% 2,50% 2,47%

52 4,04% 3,89% 3,57% 3,51% 4,21% 4,23% 4,16% 4,09% 3,96%

53 10,17% 9,70% 9,56% 9,53% 9,83% 9,80% 9,72% 9,53% 9,39%

54 6,95% 7,21% 7,04% 6,95% 7,36% 7,45% 7,55% 7,76% 7,88%

55 17,07% 17,58% 18,44% 19,78% 19,76% 20,29% 20,02% 20,39% 20,23%

56 17,80% 18,60% 19,87% 19,71% 19,56% 19,27% 18,90% 18,81% 18,56%

57 10,57% 9,81% 9,64% 9,71% 9,60% 9,51% 9,45% 9,60% 9,71%

58 24,65% 24,06% 24,39% 24,29% 24,11% 23,95% 23,87% 23,76% 23,37%

59 11,37% 12,55% 12,01% 11,97% 14,15% 14,08% 14,26% 13,68% 13,74%

60 5,59% 5,57% 5,34% 4,84% 5,46% 5,37% 5,32% 5,21% 5,15%

61 6,67% 6,82% 7,07% 7,02% 7,00% 6,98% 7,01% 6,98% 7,02%

62 26,23% 25,28% 25,27% 24,92% 24,57% 24,33% 24,12% 23,93% 23,69%

63 5,68% 6,79% 6,47% 6,42% 7,69% 7,65% 7,67% 7,65% 7,54%

64 3,28% 3,30% 3,15% 3,11% 3,07% 3,06% 3,28% 3,28% 3,27%

65 9,86% 10,09% 11,00% 11,12% 11,07% 10,99% 11,15% 10,73% 10,50%

66 20,12% 19,22% 19,02% 18,84% 18,50% 18,14% 18,08% 18,10% 18,43%

10,20% 9,79% 9,86% 9,86% 10,08% 10,01% 9,96% 10,39% 10,36%

CUENTAS DEL BALANCE ( APORTES AMORTIZADOS, RESERVAS, FONDO DE

AMORTIZACIÓN DE APORTES Y AUXILIOS Y DONACIONES)

EXCEDENTES


COMPORTAMIENTO DE LOS EXCEDENTES




Millones Col Pesos 312.525$ 333.547$ 74.226$ 101.470$ 126.150$ 152.936$ 173.987$ 150.725$ 165.887$ 176.130$

Crecim. Periódico 21.022$ 259.321-$ 27.244$ 24.680$ 26.786$ 21.051$ 23.262-$ 15.162$ 10.243$

Crecim. Año 2020 259.321-$ 232.077-$ 207.397-$ 180.611-$ 159.560-$ 182.822-$ 167.660-$ 157.417-$

TRM 3.249,75 3.277,14 4.064,81 3.983,29 3.718,82 3.758,91 3.739,49 3.760,38 3.878,94 3.858,56




Excedentes a Cierre Octubre 2020 de $176 Mil Millones.

A corte de Octubre 23 Cooperativas cerraron con pérdida.

Coop´s Vinculadas a FECOLFINANÁLISIS COOPERATIVAS DE AHORRO Y CRÉDITO AFILIADAS A FECOLFINCOMPORTAMIENTO DE LOS EXCEDENTES

AÑO 201910mo. Mes -

2020

# dic-19 % OCT-2020 %

1 52.525 1,23%

2 46.682 3,44% 9.021 0,63% 10.825 0,80%

4 12.076 1,08%

5 9.617 3,34% 1.795 0,61% 2.154 0,75%

6 7.850 1,77% 698 0,15% 838 0,19%

7 13.687 2,20% 8.788 1,45% 10.546 1,69%

8 1.137 0,45% 7.815- -3,18% (9.378) -3,70%

9 3.296 1,14% 1.361 0,45% 1.633 0,56%

10 4.061 1,84% 2.725- -1,16% (3.270) -1,48%

11 5.720 3,03% 3.603 1,78% 4.324 2,29%

12 1.541 1,03% 780 0,51% 936 0,63%

13 3.363 2,28% 770 0,50% 924 0,63%

14 1.570 1,41% 448 0,40% 538 0,48%

15 1.663 1,15% 3.047 1,92% 3.656 2,52%

16 174 0,14% 539 0,36% 647 0,52%

17 1.701 1,84% 306 0,34% 367 0,40%

18 634 0,81% 423 0,52% 508 0,65%

19 2.728 2,75% 894 0,84% 1.073 1,08%

20 1.248 1,57% 1.239 1,43% 1.487 1,87%

21 4.010 2,84% 1.840 1,19% 2.208 1,56%

22 2.928 2,85% 3.457 3,06% 4.148 4,04%

23 2.625 0,80% 2.207 0,60% 2.648 0,80%

24 1.489 1,39% 274 0,24% 329 0,31%

25 1.361 1,89% 84- -0,11% (101) -0,14%

26 1.809 0,80% 519 0,21% 623 0,28%

27 107 2,59% 50 1,11% 60 1,45%

28 6.554 3,20% 4.162 1,85% 4.994 2,44%

29 467 3,17% 574 2,58% 689 4,67%

30 -219 -1,19% 116 0,59% 139 0,76%

31 610 3,36% 338 1,78% 406 2,23%

32 231 4,35% 178 2,98% 214 4,03%

PROYECCIÓN ANUALIZADA AL

2020 - SEGÚN COMPORT. A

OCT 2020

Coop´s Vinculadas a FECOLFINANÁLISIS COOPERATIVAS DE AHORRO Y CRÉDITO AFILIADAS A FECOLFINCOMPORTAMIENTO DE LOS EXCEDENTES

AÑO 201910mo. Mes -

2020

# dic-19 % OCT-2020 %

33 4.129 0,39%

34 16.446 1,97%

35 365 1,56% 164 0,68% 197 0,84%

36 1.304 1,99% 1.098 1,64% 1.318 2,01%

37 1.282 1,02% 804 0,61% 965 0,77%

38 291 1,72% 80 0,42% 96 0,57%

39 3.639 3,11% 898 0,66% 1.078 0,92%

40 533 0,86% 29 0,04% 35 0,06%

41 429 0,94% 472 0,95% 566 1,24%

42 693 2,00% 488 1,32% 586 1,69%

43 2.060 3,87% 1.506 2,38% 1.807 3,40%

44 266 1,21% 104- -0,44% (125) -0,57%

45 586 1,88% 71- -0,21% (85) -0,27%

46 116 0,40% 627- -2,06% (752) -2,58%

47 821 3,20% 655 2,39% 786 3,06%

48 273 1,88% 352 2,41% 422 3,16%

49 186 1,39% 193 0,99% 232 1,25%

50 239 1,29% 133 0,89% 160 1,10%

51 18 0,27% 46 0,65% 55 0,82%

52 1.677 2,34% 1.239 1,50% 1.487 2,07%

53 1.367 5,07% 743 2,42% 892 3,31%

54 2.241 2,53% 300 0,35% 360 0,41%

55 200 2,52% 56 0,74% 67 0,85%

56 3.728 4,26% 1.755 1,81% 2.106 2,41%

57 1.701 1,97% 35 0,04% 42 0,05%

58 278 1,00% 347- -1,19% (416) -1,50%

59 492 5,89% 193 2,09% 232 2,77%

60 936 2,79% 783 2,05% 940 2,80%

61 834 2,04% 780 1,85% 936 2,28%

62 97 1,10% 292 3,06% 350 3,99%

63 790 2,41% 407 1,15% 488 1,49%

64 1.425 0,57% 341- -0,13% (409) -0,16%

65 286 2,72% 144 1,26% 173 1,65%

66 565 1,62% 181 0,49% 217 0,62%

158.362 2,34% 49.139 0,62% 58.967 0,79%

PROYECCIÓN ANUALIZADA AL

2020 - SEGÚN COMPORT. A

OCT 2020

Excedentes bajan de $158 mil millones en el 2019 a $58 Mil Millones en el 2020 (cifra estimada a cierre de Año 2020).

RESERVA PROTECCIÓN DE APORTES SOCIALES

INDISPENSABLE PARA CUBRIR PÉRDIDAS

SE MIDE EL NIVEL DE RIESGO DE AFECTACIÓN DE APORTES DE LOS ASOCIADOS POR EL BAJO NIVEL DE RESERVA PROTECCIÓN DE APORTES EN CASO DE PÉRDIDA.

Coop’s Vinculadas a FECOLFIN

ANÁLISIS COOPERATIVAS DE AHORRO Y CRÉDITO AFILIADAS A FECOLFINNIVEL DE RESERVA PROTECCIÓN DE APORTE PARA CUBRIR PÉRDIDAS

EXCED. EXCED.

# Sept-2020 Oct-2020

1 - - - -

2 8.632 243.858 - 9.021 243.858 -

3 - - - -

4 - - - -

5 1.422 19.882 - 1.795 19.882 -

6 3.399 76.592 - 698 76.592 -

7 7.852 33.748 - 8.788 33.748 -

8 6.616- 13.321 6.705 7.815- 13.321 5.506

9 1.116 19.373 - 1.361 19.373 -

10 1.819- 13.840 12.021 2.725- 13.840 11.115

11 3.636 21.119 - 3.603 21.119 -

12 565 6.314 - 780 6.314 -

13 784 9.084 - 770 9.084 -

14 302 12.139 - 448 12.139 -

15 2.294 7.045 - 3.047 7.045 -

16 485 2.219 - 539 2.219 -

17 50 11.099 - 306 11.099 -

18 416 9.074 - 423 9.074 -

19 1.121 8.564 - 894 8.564 -

20 1.916 3.677 - 1.239 3.677 -

21 1.503 14.842 - 1.840 14.842 -

22 2.965 6.109 - 3.457 6.109 -

23 2.096 19.845 - 2.207 19.845 -

24 1.944 3.543 - 274 3.543 -

25 54- 4.496 4.442 84- 4.496 4.412

26 968 8.755 - 519 8.755 -

27 43 319 - 50 319 -

28 3.624 15.401 - 4.162 15.401 -

29 511 951 - 574 951 -

30 129 818 - 116 818 -

31 305 1.525 - 338 1.525 -

32 158 601 - 178 601 -

RESERVA PROT.

APORTES

SALDO RESERVA PROT.

APORT. APLICADA

PÉRDIDA

RESERVA PROT.

APORTES

SALDO RESERVA PROT.

APORT. APLICADA

PÉRDIDA

ANÁLISIS COOPERATIVAS DE AHORRO Y CRÉDITO AFILIADAS A FECOLFINNIVEL DE RESERVA PROTECCIÓN DE APORTE PARA CUBRIR PÉRDIDAS

EXCED. EXCED.

# Sept-2020 Oct-2020

33 - - - -

34 - - - -

35 202 1.589 - 164 1.589 -

36 932 3.128 - 1.098 3.128 -

37 791 5.831 - 804 5.831 -

38 102 1.451 - 80 1.451 -

39 1.133 8.139 - 898 8.139 -

40 67 418 - 29 418 -

41 459 3.754 - 472 3.754 -

42 457 1.431 - 488 1.431 -

43 1.407 7.806 - 1.506 7.806 -

44 149- 872 723 104- 872 768

45 527 1.947 - 71- 1.947 1.876

46 494- 754 260 627- 754 127

47 558 2.772 - 655 2.772 -

48 301 1.991 - 352 1.991 -

49 172 182 - 193 182 -

50 148 593 - 133 593 -

51 43 143 - 46 143 -

52 1.556 2.564 - 1.239 2.564 -

53 793 2.424 - 743 2.424 -

54 415 5.449 - 300 5.449 -

55 70 537 - 56 537 -

56 1.685 13.260 - 1.755 13.260 -

57 208 4.639 - 35 4.639 -

58 297- 3.700 3.403 347- 3.700 3.353

59 178 514 - 193 514 -

60 825 1.389 - 783 1.389 -

61 945 2.768 - 780 2.768 -

62 260 1.110 - 292 1.110 -

63 542 2.114 - 407 2.114 -

64 570- 8.718 8.148 341- 8.718 8.377

65 116 901 - 144 901 -

66 186 4.132 - 181 4.132 -

53.315 685.173 49.139 685.173

RESERVA PROT.

APORTES

SALDO RESERVA PROT.

APORT. APLICADA

PÉRDIDA

RESERVA PROT.

APORTES

SALDO RESERVA PROT.

APORT. APLICADA

PÉRDIDA


Dado el Importante Volumen de Reserva Protección de Aportes Sociales de las Cooperativas Vinculadas a FECOLFIN, NO SE EVIDENCIA afectación de Aportes Sociales de los asociados, a corte Octubre de 2020.

INGRESOS FINANCIEROS- CARTERA DE CRÉDITO -


ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS INGRESOS POR CARTERA


# DIC 2018 DIC 2019 Julio-20 Agosto-20 Sept-20 Oct-20Proy. Anualiz.

Al Cierre 2020$ %

1 472.099 472.579 260.777 295.965 -

2 191.571 198.796 114.205 129.474 144.174 159.092 190.910 (7.886) -3,97%

3 92.239 102.424 62.306 71.632 -

4 112.410 120.377 72.749 82.813 -

5 33.742 36.613 22.002 24.944 27.901 30.832 36.998 385 1,05%

6 48.541 51.066 29.260 33.384 37.440 41.628 49.954 (1.112) -2,18%

7 75.697 85.332 49.208 55.371 61.329 67.312 80.774 (4.558) -5,34%

8 30.802 29.814 13.625 15.672 17.802 19.973 23.968 (5.846) -19,61%

9 38.235 38.572 20.681 24.120 27.022 30.013 36.016 (2.556) -6,63%

10 28.908 30.804 18.072 20.723 23.424 26.118 31.342 538 1,75%

11 18.678 22.350 13.393 15.199 17.006 18.788 22.546 196 0,88%

12 23.758 24.964 13.327 15.079 16.836 18.690 22.428 (2.536) -10,16%

13 19.271 22.778 13.690 15.476 17.551 19.574 23.489 711 3,12%

14 15.812 16.774 9.444 10.729 12.009 13.367 16.040 (734) -4,37%

15 22.075 23.447 13.423 15.127 16.921 18.694 22.433 (1.014) -4,33%

16 16.538 17.969 11.732 13.528 15.355 17.200 20.640 2.671 14,86%

17 13.542 13.732 8.072 9.164 10.259 11.380 13.656 (76) -0,55%

18 9.585 9.997 6.083 6.953 7.817 8.688 10.426 429 4,29%

19 14.645 16.085 9.651 11.000 12.375 13.794 16.553 468 2,91%

20 8.420 9.197 6.131 7.025 7.937 8.881 10.657 1.460 15,88%

21 17.521 18.325 10.687 12.185 13.626 15.090 18.108 (217) -1,18%

22 10.496 10.919 5.583 6.537 7.478 8.429 10.115 (804) -7,37%

23 33.218 36.154 21.137 24.173 27.242 30.400 36.480 326 0,90%

24 12.221 13.121 8.673 9.910 11.169 12.706 15.247 2.126 16,20%

25 8.851 9.558 4.865 5.606 6.376 7.158 8.590 (968) -10,13%

26 33.377 33.816 18.600 21.259 23.997 26.697 32.036 (1.780) -5,26%

27 388 403 233 265 298 333 400 (3) -0,84%

28 20.202 22.524 12.736 14.541 16.340 18.147 21.776 (748) -3,32%

29 1.580 1.891 1.483 1.706 1.971 2.253 2.704 813 42,97%

30 2.770 2.556 1.407 1.608 1.789 1.975 2.370 (186) -7,28%

31 2.344 2.681 1.660 1.883 2.131 2.373 2.848 167 6,21%

32 702 705 407 463 519 575 690 (15) -2,13%

BRECHA PROYECTADA ING.

CARTERA 2020 Vs. 2019


ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS INGRESOS POR CARTERA


# DIC 2018 DIC 2019 Julio-20 Agosto-20 Sept-20 Oct-20Proy. Anualiz.

Al Cierre 2020$ %

33 72.261 72.877 40.957 45.977 -

34 101.608 105.379 59.059 67.043 -

35 2.075 2.188 1.226 1.384 1.559 1.720 2.064 (124) -5,67%

36 7.237 7.879 4.830 5.494 6.177 6.847 8.216 337 4,28%

37 11.997 12.650 6.624 7.585 8.537 9.486 11.383 (1.267) -10,01%

38 2.675 2.640 1.373 1.550 1.729 1.917 2.300 (340) -12,86%

39 14.530 16.612 10.658 12.248 13.855 15.494 18.593 1.981 11,92%

40 6.969 7.854 4.332 4.932 5.537 6.147 7.376 (478) -6,08%

41 5.020 4.994 2.943 3.359 3.772 4.207 5.048 54 1,09%

42 4.403 4.890 2.947 3.357 3.768 4.191 5.029 139 2,85%

43 6.555 7.203 4.246 4.829 5.423 6.017 7.220 17 0,24%

44 2.462 2.343 1.257 1.424 1.587 1.755 2.106 (237) -10,12%

45 5.404 5.321 2.998 3.390 3.760 4.172 5.006 (315) -5,91%

46 3.984 3.901 1.861 2.156 2.435 2.688 3.226 (675) -17,31%

47 3.152 3.737 2.221 2.521 2.820 3.117 3.740 3 0,09%

48 1.519 1.393 792 912 1.029 1.149 1.379 (14) -1,02%

49 1.297 1.536 883 1.001 1.116 1.231 1.477 (59) -3,83%

50 3.018 3.405 1.989 2.320 2.616 2.946 3.535 130 3,82%

51 485 427 254 286 314 347 416 (11) -2,48%

52 7.495 8.872 5.190 5.952 6.775 7.548 9.058 186 2,09%

53 2.555 3.198 1.941 2.243 2.520 2.792 3.350 152 4,77%

54 9.392 8.962 4.480 5.030 5.578 6.108 7.330 (1.632) -18,21%

55 986 1.021 564 640 724 803 964 (57) -5,62%

56 8.561 8.655 4.994 5.661 6.429 7.170 8.604 (51) -0,59%

57 10.667 12.172 7.466 8.455 9.484 10.508 12.610 438 3,60%

58 4.058 4.010 2.081 2.354 2.619 2.909 3.491 (519) -12,95%

59 1.101 1.172 656 746 825 909 1.091 (81) -6,93%

60 3.227 3.699 1.750 2.610 2.956 3.287 3.944 245 6,63%

61 3.961 4.078 2.389 2.747 3.094 3.437 4.124 46 1,14%

62 625 649 375 427 480 534 641 (8) -1,26%

63 4.885 5.305 3.196 3.641 4.098 4.550 5.460 155 2,92%

64 34.346 36.079 21.331 24.370 27.464 30.586 36.703 624 1,73%

65 1.570 1.829 1.073 1.198 1.352 1.508 1.810 (19) -1,06%

66 2.984 3.289 1.920 2.184 2.448 2.714 3.257 (32) -0,98%

932.685 992.906 570.310 650.110 728.974 808.954 970.745 (22.161) -2,23%

BRECHA PROYECTADA ING.

CARTERA 2020 Vs. 2019

Se estima una Reducción en los Ingresos por cartera de $22 Mil Millones, bajando de un saldo de $992 Mil Millones a Dic 2019 frente a un estimado de $972 Mil Millones a cierre 2020.

COSTOS FINANCIEROS- DEPÓSITO DE ASOCIADOS -


ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS COSTOS POR DEPÓSITOS


# DIC 2018 DIC 2019 abr-20 jul-20 ago-20 sep-20 oct-20Proy. Anualiz.

Al Cierre 2020$ %

1 107.877 108.863 35.977 62.086 70.353

2 36.009 37.353 12.571 22.100 25.312 28.364 31.475 37.770 417 1,12%

3 31.066 37.441 14.611 25.416 29.087

4 29.845 31.941 11.446 20.252 23.191

5 6.867 8.452 3.204 5.697 6.552 7.384 8.256 9.907 1.455 17,22%

6 11.785 11.745 3.951 6.875 7.846 8.774 9.723 11.668 (77) -0,66%

7 13.180 15.282 5.876 10.265 11.636 12.988 14.286 17.143 1.861 12,18%

8 1.886 2.798 955 1.692 1.937 2.179 2.443 2.932 134 4,77%

9 4.988 4.560 1.443 2.531 2.901 3.244 3.584 4.301 (259) -5,68%

10 7.748 7.986 2.693 4.790 5.519 6.225 6.960 8.352 366 4,58%

11 4.737 5.262 1.879 3.251 3.709 4.145 4.588 5.506 244 4,63%

12 2.766 2.863 949 1.663 1.887 2.104 2.316 2.779 (84) -2,93%

13 3.929 4.461 1.745 3.044 3.480 3.915 4.334 5.201 740 16,58%

14 2.508 2.697 881 1.456 1.661 1.839 2.014 2.417 (280) -10,39%

15 3.408 3.814 1.226 2.073 2.326 2.557 2.783 3.340 (474) -12,44%

16 4.646 4.955 1.722 3.115 3.595 4.086 4.569 5.483 528 10,65%

17 1.697 1.921 690 1.228 1.410 1.592 1.781 2.137 216 11,25%

18 374 504 250 447 523 602 682 818 314 62,38%

19 2.382 2.778 1.032 1.814 2.079 2.345 2.616 3.139 361 13,00%

20 2.646 2.237 757 1.195 1.139 1.274 1.831 2.197 (40) -1,78%

21 5.254 7.308 2.509 3.933 4.423 4.916 5.415 6.498 (810) -11,08%

22 1.874 1.624 581 976 1.106 1.230 1.355 1.626 2 0,12%

23 9.607 10.662 3.894 6.899 7.923 8.914 9.941 11.929 1.267 11,89%

24 2.568 2.699 938 1.606 1.821 2.037 2.249 2.699 (0) -0,01%

25 2.708 3.251 1.196 2.110 2.417 2.711 3.012 3.614 363 11,18%

26 6.729 7.471 2.501 4.368 4.986 5.596 6.198 7.438 (33) -0,45%

27 69 63 24 41 46 51 57 68 5 8,57%

28 7.515 8.550 2.959 5.174 5.834 6.449 7.018 8.422 (128) -1,50%

29 50 79 31 56 67 77 89 107 28 35,19%

30 647 827 288 493 562 632 702 842 15 1,86%

31 430 421 151 271 311 350 391 469 48 11,45%

32 69 76 28 52 61 69 77 92 16 21,58%

BRECHA PROYECTADA COSTOS

DEPOS. 2020 Vs. 2019


Se estima un Incremento en los Costos por Depósitos de $9 Mil Millones, pasando de un saldo de $203 Mil Millones a Dic 2019 frente a un estimado de $212 Mil Millones a cierre 2020.

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS COSTOS POR DEPÓSITOS


# DIC 2018 DIC 2019 abr-20 jul-20 ago-20 sep-20 oct-20Proy. Anualiz.

Al Cierre 2020$ %

33 35.745 35.642 12.238 21.076 23.575

34 26.374 26.801 9.620 17.127 19.658

35 181 157 53 92 105 116 128 154 (3) -2,17%

36 1.092 1.309 414 714 815 915 1.017 1.220 (89) -6,77%

37 3.236 3.520 1.083 1.918 1.805 2.025 2.241 2.689 (831) -23,60%

38 252 269 106 193 223 254 286 343 74 27,58%

39 3.165 3.701 1.446 2.536 2.906 3.287 3.686 4.423 722 19,51%

40 2.357 2.481 897 1.604 1.823 2.018 2.214 2.657 176 7,09%

41 1.116 1.125 399 688 783 856 947 1.136 11 1,01%

42 1.326 1.504 505 874 1.001 1.123 1.249 1.499 (5) -0,35%

43 1.004 1.225 467 849 1.002 1.130 1.264 1.517 292 23,82%

44 696 712 250 443 503 563 623 748 36 5,00%

45 867 902 317 560 641 721 801 961 59 6,56%

46 793 841 266 465 533 596 660 792 (49) -5,83%

47 464 510 177 303 345 386 427 512 2 0,47%

48 235 260 93 168 192 218 243 292 32 12,15%

49 411 404 126 217 250 281 313 376 (28) -7,03%

50 216 299 94 167 193 216 243 292 (7) -2,47%

51 141 119 41 73 84 95 106 127 8 6,89%

52 759 1.006 378 669 773 880 989 1.187 181 17,97%

53 454 566 238 426 490 555 622 746 180 31,87%

54 3.371 2.983 989 1.735 1.974 2.185 2.400 2.880 (103) -3,45%

55 184 172 56 100 114 128 142 170 (2) -0,93%

56 2.053 2.012 709 1.250 1.436 1.625 1.815 2.178 166 8,25%

57 1.819 1.899 708 1.269 1.463 1.650 1.845 2.214 315 16,59%

58 359 372 132 232 266 301 337 404 32 8,71%

59 72 80 31 47 52 57 61 73 (7) -8,50%

60 533 662 259 468 542 616 693 832 170 25,62%

61 368 309 112 197 224 251 276 331 22 7,18%

62 86 94 32 57 66 75 83 100 6 5,96%

63 757 929 366 659 760 859 966 1.159 230 24,78%

64 8.649 9.587 3.228 5.705 6.524 7.347 8.164 9.797 210 2,19%

65 217 253 96 167 188 207 225 270 17 6,72%

66 348 314 124 228 264 300 335 402 88 28,03%

186.657 203.275 71.116 124.288 141.409 158.485 176.146 212.114 8.839 4,35%

BRECHA PROYECTADA COSTOS

DEPOS. 2020 Vs. 2019

COSTOS FINANCIEROS- OBLIGACIONES FINANCIERAS -


ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS COSTOS POR DEUDA BANCARIA

# DIC 2018 DIC 2019 JULIO 2020 AGOSTO 2020 SEPT 2020 OCT 2020Proy. Anualiz.

Al Cierre 2020$ %

1 2.375 2.068 1.563 1.779

2 1.099 786 594 677 760 831 997 211 26,87%

3 4.134 5.165 3.091 3.512

4 6.944 5.836 4.261 4.874

5 752 928 854 900 940 964 1.157 229 24,66%

6 258 258 155 178 196 215 258 - 0,00%

7 5.029 7.527 3.102 3.288 3.467 3.638 4.366 (3.161) -42,00%

8 1.330 2.008 1.189 1.328 1.454 1.593 1.912 (96) -4,80%

9 2 - - - - - - - 0,00%

10 - - 164 200 261 265 318 318 100,00%

11 142 107 53 63 70 76 91 (16) -14,77%

12 489 556 393 437 473 505 606 50 8,99%

13 174 644 256 290 318 349 419 (225) -34,97%

14 1.110 1.215 774 874 877 953 1.144 (71) -5,88%

15 691 511 277 272 300 301 361 (150) -29,32%

16 758 804 997 1.143 1.277 1.430 1.716 912 113,43%

17 - - - - - - - - 0,00%

18 421 393 424 505 554 604 725 332 84,43%

19 201 225 206 221 232 273 328 103 45,60%

20 6 364 422 469 507 558 670 306 83,96%

21 1.461 664 150 162 166 166 199 (465) -70,00%

22 - - - - - - - - 0,00%

23 103 227 134 143 152 159 191 (36) -15,95%

24 1.178 1.257 1.280 1.441 1.592 1.725 2.070 813 64,68%

25 - - - - - - - - #¡DIV/0!

26 1.025 631 24 24 24 24 29 (602) -95,44%

27 - - - - - 1 1 1 0,00%

28 174 112 166 167 167 167 200 88 78,93%

29 89 30 87 97 106 117 140 110 368,00%

30 155 6 - - - - - (6) -100,00%

31 - - - - - - - - 0,00%

32 - - - - - - - - 0,00%

BRECHA PROYECTADA COSTO

DEUDA BANC. 2020 Vs. 2019


Se estima una Reducción en los Costos por Obligaciones Bancarias de $1 Mil Millones, pasando de un costo de $22 Mil Millones a Dic 2019 frente a un estimado de $21 Mil Millones a cierre 2020.

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS COSTOS POR DEUDA BANCARIA

# DIC 2018 DIC 2019 JULIO 2020 AGOSTO 2020 SEPT 2020 OCT 2020Proy. Anualiz.

Al Cierre 2020$ %

33 3.252 3.488 1.072 1.154

34 1.197 1.932 1.220 1.378

35 - - - - - - - - 0,00%

36 458 408 128 138 149 156 187 (221) -54,12%

37 - - - - - - - - 0,00%

38 87 43 - - - - - (43) -100,00%

39 61 375 420 493 556 598 718 343 91,36%

40 - - - - - - - - 0,00%

41 - - - 1 1 1 1 1 0,00%

42 - - - - 11 11 13 13 0,00%

43 247 249 116 120 113 114 137 (112) -45,06%

44 - - - - - - - - 0,00%

45 11 - 2 5 8 8 10 10 0,00%

46 54 26 - - - - - (26) -100,00%

47 - - - - - - - - 0,00%

48 - - - - - - - - 0,00%

49 5 8 2 2 2 2 2 (6) -70,00%

50 157 171 106 120 137 152 182 11 6,67%

51 - - - - - - - - 0,00%

52 - - - - - - - - 0,00%

53 - - - - - - - - 0,00%

54 68 - - - - - - - 0,00%

55 114 128 64 72 80 86 103 (25) -19,38%

56 - - - - - - - - 0,00%

57 451 589 200 227 264 318 382 (207) -35,21%

58 64 29 - - - - - (29) -100,00%

59 - - - - - - - - 0,00%

60 - - - - - - - - 0,00%

61 - - - - - - - - 0,00%

62 - - - - - - - - 0,00%

63 681 524 236 262 279 297 356 (168) -31,98%

64 923 678 681 752 822 874 1.049 126 18,55%

65 59 16 25 27 29 30 36 20 125,00%

66 - - - - - - - - 0,00%

20.087 22.497 13.681 15.098 16.344 17.561 21.073 (1.424) -6,33%

BRECHA PROYECTADA COSTO

DEUDA BANC. 2020 Vs. 2019

Se resalta que un número importante de Cooperativas mantienen su saldo en Cero.

COMPORTAMIENTO DE LOS GASTOS EN EL 2020

COMPORTAMIENTO DE LOS GASTOS

OCTUBRE 2019 Vs. OCTUBRE 2020


Octubre 2020 Octubre 2019 Variación

Beneficios a Empleados 377.267 379.524 2.257-

Gastos Generales 389.913 420.832 30.919-

Deterioros 353.469 208.945 144.524

Amortiz. Y Agotamiento 7.046 6.881 165

Deprec. Propiedad Planta y Equipo 26.771 26.851 80-

Otros Gastos 63.796 77.710 13.914-

TOTAL 1.218.262 1.120.743 97.519


El total del Sector Cooperativo de Ahorro y Crédito, evidencia un control en sus gastos, no obstante, la alta afectación de los deterioros que se evidencian entre Oct 2019 Vs. Oct 2020, con un incremento de $144 Mil Millones, es decir, un incremento del 70% frente al 2019.

Los ahorros hechos en otras partidas del Gasto, no logran reducir de forma significativa la afectación de los deterioros, evidenciando una suma de $97 Mil Millones adicionales a Oct de 2019.

Coop’s Vinculadas a FECOLFINANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS GASTOS - DATOS EN MILLONES DE PESOS

SALDOS A OCTUBRE DE CADA AÑO

oct-20 oct-19 VARIAC. $$ VARIAC. %% oct-20 oct-19 VARIAC. $$ VARIAC. %% oct-20 oct-19 VARIAC. $$ VARIAC. %%

#

1

2 36.943 39.957 3.014- -7,54% 35.226 41.474 6.248- -15,06% 69.031 21.207 47.824 225,51%

3

4

5 10.588 11.834 1.246- -10,53% 5.114 5.525 411- -7,44% 11.677 9.090 2.587 28,46%

6 14.459 14.211 248 1,75% 7.924 8.395 471- -5,61% 10.330 6.933 3.397 49,00%

7 13.282 13.841 559- -4,04% 20.515 23.666 3.151- -13,31% 17.953 14.861 3.092 20,81%

8 4.771 7.645 2.874- -37,59% 11.204 13.274 2.070- -15,59% 10.794 10.622 172 1,62%

9 9.122 9.515 393- -4,13% 7.699 9.305 1.606- -17,26% 9.155 6.035 3.120 51,70%

10 8.091 7.689 402 5,23% 7.361 7.148 213 2,98% 8.761 3.609 5.152 142,75%

11 5.603 5.194 409 7,87% 4.310 4.041 269 6,66% 3.078 1.376 1.702 123,69%

12 8.199 8.771 572- -6,52% 5.731 6.411 680- -10,61% 6.801 3.452 3.349 97,02%

13 5.398 5.201 197 3,79% 4.157 4.405 248- -5,63% 4.434 1.748 2.686 153,66%

14 3.732 3.837 105- -2,74% 3.435 3.309 126 3,81% 2.800 2.491 309 12,40%

15 5.037 5.706 669- -11,72% 3.788 5.133 1.345- -26,20% 3.306 2.873 433 15,07%

16 4.739 5.304 565- -10,65% 2.461 2.720 259- -9,52% 4.040 2.790 1.250 44,80%

17 3.591 3.394 197 5,80% 3.173 3.488 315- -9,03% 3.229 1.166 2.063 176,93%

18 2.490 2.351 139 5,91% 3.687 3.872 185- -4,78% 2.018 1.007 1.011 100,40%

19 4.751 4.159 592 14,23% 3.231 3.454 223- -6,46% 3.266 2.706 560 20,69%

20 2.234 2.092 142 6,79% 2.034 2.257 223- -9,88% 1.444 584 860 147,26%

21 2.558 2.301 257 11,17% 2.893 3.224 331- -10,27% 3.389 560 2.829 505,18%

22 1.735 1.730 5 0,29% 1.643 1.945 302- -15,53% 1.095 1.158 63- -5,44%

23 5.851 5.357 494 9,22% 5.457 5.781 324- -5,60% 2.201 2.104 97 4,61%

24 3.736 3.708 28 0,76% 1.397 1.401 4- -0,29% 2.955 907 2.048 225,80%

25 1.714 1.700 14 0,82% 1.436 1.647 211- -12,81% 1.423 1.216 207 17,02%

26 6.587 7.611 1.024- -13,45% 8.005 8.413 408- -4,85% 5.798 3.535 2.263 64,02%

27 127 116 11 9,48% 89 72 17 23,61% 10 1 9 900,00%

28 2.218 2.097 121 5,77% 3.256 3.397 141- -4,15% 1.982 550 1.432 260,36%

29 923 556 367 66,01% 438 469 31- -6,61% 351 104 247 237,50%

30 573 676 103- -15,24% 516 494 22 4,45% 427 527 100- -18,98%

31 506 437 69 15,79% 588 500 88 17,60% 411 253 158 62,45%

32 189 185 4 2,16% 137 151 14- -9,27% 11 28 17- -60,71%

BENEF. EMPLEADOS GASTOS GENERALES DETERIOROS




#

1

2 - - - 0,00% 2.647 2.593 54 2% 3.848 5.859 2.011- -34,32%

3

4

5 385 295 90 30,51% 842 685 157 23% 719 792 73- -9,22%

6 82 70 12 17,14% 820 797 23 3% 2.519 467 2.052 439,40%

7 1.071 1.545 474- -30,68% 2.378 2.230 148 7% 2.235 2.231 4 0,18%

8 700 693 7 1,01% 295 518 223- -43% 625 3.244 2.619- -80,73%

9 17 17 - 0,00% 392 833 441- -53% 2.095 1.991 104 5,22%

10 320 325 5- -1,54% 411 412 1- 0% 299 427 128- -29,98%

11 223 238 15- -6,30% 146 140 6 4% 362 532 170- -31,95%

12 - - - 0,00% 429 398 31 8% 366 393 27- -6,87%

13 144 154 10- -6,49% 289 244 45 18% 884 1.522 638- -41,92%

14 250 268 18- -6,72% 365 378 13- -3% 665 606 59 9,74%

15 213 99 114 115,15% 424 565 141- -25% 1.533 1.991 458- -23,00%

16 259 211 48 22,75% 122 148 26- -18% 241 239 2 0,84%

17 - - - 0,00% 228 311 83- -27% 794 1.038 244- -23,51%

18 77 77 - 0,00% 149 174 25- -14% 326 134 192 143,28%

19 - - - 0,00% 163 147 16 11% 195 201 6- -2,99%

20 - - - 0,00% 92 80 12 15% 311 473 162- -34,25%

21 - - - 0,00% 65 189 124- -66% 779 643 136 21,15%

22 7 7 - 0,00% 98 90 8 9% 436 1.204 768- -63,79%

23 8 3 5 166,67% 405 406 1- 0% 5.777 6.125 348- -5,68%

24 144 120 24 20,00% 491 448 43 10% 632 553 79 14,29%

25 - - - 0,00% 94 99 5- -5% 338 333 5 1,50%

26 - - - 0,00% 486 450 36 8% 1.252 1.436 184- -12,81%

27 - - - 0,00% 3 2 1 50% 1 5 4- -80,00%

28 132 86 46 53,49% 119 97 22 23% 530 517 13 2,51%

29 37 23 14 60,87% 40 34 6 18% 32 21 11 52,38%

30 - - - 0,00% 36 34 2 6% 40 78 38- -48,72%

31 - - - 0,00% 32 31 1 3% 141 164 23- -14,02%

32 - - - 0,00% 6 5 1 20% 22 23 1- -4,35%

AMORTIZ Y AGOTAM. DEPREC. PPyE OTROS GASTOS

Coop’sVinculadas a FECOLFIN

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS GASTOS - DATOS EN MILLONES DE PESOS


oct-20 oct-19 VARIAC. $$VARIAC.

%%

#

1

2 147.695 111.090 36.605 32,95%

3

4

5 29.325 28.221 1.104 3,91%

6 36.134 30.873 5.261 17,04%

7 57.434 58.374 940- -1,61%

8 28.389 35.996 7.607- -21,13%

9 28.480 27.696 784 2,83%

10 25.243 19.610 5.633 28,73%

11 13.722 11.521 2.201 19,10%

12 21.526 19.425 2.101 10,82%

13 15.306 13.274 2.032 15,31%

14 11.247 10.889 358 3,29%

15 14.301 16.367 2.066- -12,62%

16 11.862 11.412 450 3,94%

17 11.015 9.397 1.618 17,22%

18 8.747 7.615 1.132 14,87%

19 11.606 10.667 939 8,80%

20 6.115 5.486 629 11,47%

21 9.684 6.917 2.767 40,00%

22 5.014 6.134 1.120- -18,26%

23 19.699 19.776 77- -0,39%

24 9.355 7.137 2.218 31,08%

25 5.005 4.995 10 0,20%

26 22.128 21.445 683 3,18%

27 230 196 34 17,35%

28 8.237 6.744 1.493 22,14%

29 1.821 1.207 614 50,87%

30 1.592 1.809 217- -12,00%

31 1.678 1.385 293 21,16%

32 365 392 27- -6,89%

TOTAL GASTOS




#

33

34

35 603 648 45- -6,94% 510 633 123- -19,43% 533 291 242 83,16%

36 1.803 1.702 101 5,93% 1.420 1.630 210- -12,88% 1.511 550 961 174,73%

37 2.576 2.528 48 1,90% 3.590 3.943 353- -8,95% 1.514 1.844 330- -17,90%

38 709 597 112 18,76% 477 485 8- -1,65% 521 717 196- -27,34%

39 5.482 5.391 91 1,69% 2.630 2.738 108- -3,94% 3.588 1.343 2.245 167,16%

40 1.258 1.257 1 0,08% 1.731 1.680 51 3,04% 952 1.095 143- -13,06%

41 900 938 38- -4,05% 1.279 1.428 149- -10,43% 656 587 69 11,75%

42 1.041 969 72 7,43% 767 782 15- -1,92% 1.005 533 472 88,56%

43 1.553 1.499 54 3,60% 1.055 1.017 38 3,74% 1.005 349 656 187,97%

44 405 478 73- -15,27% 631 666 35- -5,26% 515 277 238 85,92%

45 980 1.063 83- -7,81% 1.457 1.594 137- -8,59% 1.381 397 984 247,86%

46 1.258 1.130 128 11,33% 1.068 1.121 53- -4,73% 781 521 260 49,90%

47 1.128 1.070 58 5,42% 687 677 10 1,48% 308 151 157 103,97%

48 294 292 2 0,68% 234 252 18- -7,14% 63 130 67- -51,54%

49 403 381 22 5,77% 300 364 64- -17,58% 81 75 6 8,00%

50 1.182 1.067 115 10,78% 839 915 76- -8,31% 428 380 48 12,63%

51 187 186 1 0,54% 126 147 21- -14,29% 2 11 9- -81,82%

52 1.941 1.702 239 14,04% 1.850 1.968 118- -6,00% 1.267 851 416 48,88%

53 424 291 133 45,70% 695 647 48 7,42% 505 82 423 515,85%

54 1.234 1.223 11 0,90% 1.442 1.596 154- -9,65% 1.477 625 852 136,32%

55 240 246 6- -2,44% 189 183 6 3,28% 101 42 59 140,48%

56 1.474 1.376 98 7,12% 1.855 1.482 373 25,17% 2.451 1.447 1.004 69,38%

57 2.691 2.575 116 4,50% 3.035 3.039 4- -0,13% 2.675 1.405 1.270 90,39%

58 1.034 1.166 132- -11,32% 1.218 1.411 193- -13,68% 800 414 386 93,24%

59 271 261 10 3,83% 176 213 37- -17,37% 740 150 590 393,33%

60 486 373 113 30,29% 789 528 261 49,43% 551 311 240 77,17%

61 668 724 56- -7,73% 1.226 1.218 8 0,66% 658 241 417 173,03%

62 154 171 17- -9,94% 106 153 47- -30,72% 3 - 3 100,00%

63 1.150 1.057 93 8,80% 995 945 50 5,29% 1.355 714 641 89,78%

64 8.175 7.604 571 7,51% 9.011 10.167 1.156- -11,37% 4.812 2.377 2.435 102,44%

65 507 504 3 0,60% 359 355 4 1,13% 306 147 159 108,16%

66 1.233 1.183 50 4,23% 1.060 1.260 200- -15,87% 393 229 164 71,62%

213.191 218.827 5.636- -2,58% 199.712 220.608 20.896- -9,47% 225.108 121.779 103.329 84,85%

BENEF. EMPLEADOS GASTOS GENERALES DETERIOROS




#

33

34

35 37 32 5 15,63% 28 30 2- -6,67% 124 140 16- -11,43%

36 24 11 13 118,18% 361 357 4 1% 173 263 90- -34,22%

37 120 108 12 11,11% 236 170 66 39% 155 225 70- -31,11%

38 5 3 2 66,67% 138 89 49 55% 8 31 23- -74,19%

39 90 74 16 21,62% 407 165 242 147% 518 662 144- -21,75%

40 370 434 64- -14,75% 110 96 14 15% 270 337 67- -19,88%

41 32 25 7 28,00% 150 164 14- -8,54% 490 400 90 22,50%

42 13 51 38- -74,51% 45 116 71- -61,21% 76 106 30- -28,30%

43 30 31 1- -3,23% 114 127 13- -10,24% 154 126 28 22,22%

44 6 6 - 0,00% 38 35 3 9% 116 84 32 38,10%

45 89 35 54 154,29% 72 74 2- -2,70% 60 611 551- -90,18%

46 15 31 16- -51,61% 63 62 1 2% 111 111 - 0,00%

47 18 18 - 0,00% 87 71 16 23% 60 63 3- -4,76%

48 - - - 0,00% 31 32 1- -3,13% 10 4 6 150,00%

49 - - - 0,00% 26 21 5 24% 19 25 6- -24,00%

50 9 7 2 28,57% 99 96 3 3% 31 38 7- -18,42%

51 3 3 - 0,00% 7 5 2 40% 33 16 17 106,25%

52 12 13 1- -7,69% 144 168 24- -14,29% 432 480 48- -10,00%

53 - - - 0,00% 35 25 10 40% 31 9 22 244,44%

54 8 12 4- -33,33% 71 67 4 6% 274 391 117- -29,92%

55 - - - 0,00% 19 21 2- -9,52% 23 21 2 9,52%

56 10 17 7- -41,18% 111 108 3 3% 158 208 50- -24,04%

57 84 78 6 7,69% 200 198 2 1% 870 979 109- -11,13%

58 - - - 0,00% 72 79 7- -8,86% 134 140 6- -4,29%

59 - - - 0,00% 8 9 1- -11,11% 9.672 10.681 1.009- -9,45%

60 - - - 0,00% 50 47 3 6% 182 196 14- -7,14%

61 - - - 0,00% 30 33 3- -9,09% 124 155 31- -20,00%

62 - - - 0,00% 4 8 4- -50,00% 15 62 47- -75,81%

63 - - - 0,00% 60 69 9- -13,04% 37 23 14 60,87%

64 160 140 20 14,29% 507 471 36 8% 856 1.067 211- -19,78%

65 - - - 0,00% 25 23 2 9% 18 18 - 0,00%

66 5 - 5 100,00% 93 80 13 16% 27 22 5 22,73%

5.209 5.360 151- -2,82% 15.508 15.654 146- -0,93% 43.258 50.936 7.678- -15,07%

AMORTIZ Y AGOTAM. DEPREC. PPyE OTROS GASTOS

Coop’sVinculadas a FECOLFIN

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINCOMPORTAMIENTO HISTÓRICO DE LOS GASTOS - DATOS EN MILLONES DE PESOS


oct-20 oct-19 VARIAC. $$VARIAC.

%%

#

33

34

35 1.835 1.774 61 3,44%

36 5.292 4.513 779 17,26%

37 8.191 8.818 627- -7,11%

38 1.858 1.922 64- -3,33%

39 12.715 10.373 2.342 22,58%

40 4.691 4.899 208- -4,25%

41 3.507 3.542 35- -0,99%

42 2.947 2.557 390 15,25%

43 3.911 3.149 762 24,20%

44 1.711 1.546 165 10,67%

45 4.039 3.774 265 7,02%

46 3.296 2.976 320 10,75%

47 2.288 2.050 238 11,61%

48 632 710 78- -10,99%

49 829 866 37- -4,27%

50 2.588 2.503 85 3,40%

51 358 368 10- -2,72%

52 5.646 5.182 464 8,95%

53 1.690 1.054 636 60,34%

54 4.506 3.914 592 15,13%

55 572 513 59 11,50%

56 6.059 4.638 1.421 30,64%

57 9.555 8.274 1.281 15,48%

58 3.258 3.210 48 1,50%

59 10.867 11.314 447- -3,95%

60 2.058 1.455 603 41,44%

61 2.706 2.371 335 14,13%

62 282 394 112- -28,43%

63 3.597 2.808 789 28,10%

64 23.521 21.826 1.695 7,77%

65 1.215 1.047 168 16,05%

66 2.811 2.774 37 1,33%

701.986 633.164 68.822 10,87%

TOTAL GASTOS

Incremento en los Gastos por $68 Mil Millones. El Total de Gastos a Octubre 2020 fue de $701 Mil Millones frente a $633 Mil Millones a Octubre de 2019.

El Impacto Mayor está en los Deterioros que suman a Oct de 2020 $225 Mil Millones, frente a $122 Mil Millones que se contabilizaron en Oct de 2019.

Las Cooperativas vinculadas a FECOLFIN duplicaron el gasto por Deterioros en el 2020 frente al mismo período de 2019.

INDICADORES PERLASAGRUPADOS

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINEVALUACIÓN INDICADORES A OCTUBRE DE 2020

A la fecha del estudio, la Superfinanciera no había publicado los datos a Octubre de 2020.

Cartera /

Activos

Disponible /

Depósitos

Depósitos /

Activos

Deuda

Bancaria /

Activos

Apor. Sociales

/ Activos

Capital Inst. /

Activos

Excedentes /

Activos

70% - 80% 15% - 20% 70% - 80% <=5% 10% - 20% >10% > Inflac.

1

2 72,85% 35,15% 61,37% 3,50% 9,90% 19,83% 0,63%

3

4

5 77,91% 22,31% 54,80% 1,10% 28,65% 7,91% 0,61%

6 73,15% 34,10% 68,90% 2,08% 9,85% 16,28% 0,15%

7 83,19% 13,12% 62,80% 6,79% 18,14% 9,51% 1,45%

8 58,01% 170,38% 24,25% 11,31% 31,80% 34,21% -3,18%

9 80,02% 37,38% 32,69% 0,10% 36,77% 8,86% 0,45%

10 82,11% 18,09% 76,06% 3,35% 8,42% 11,25% -1,16%

11 59,61% 56,79% 69,12% 0,77% 14,80% 10,81% 1,78%

12 78,83% 20,68% 63,97% 6,04% 18,73% 5,57% 0,51%

13 84,22% 16,48% 77,36% 2,76% 10,15% 6,69% 0,50%

14 75,20% 23,58% 51,16% 15,20% 15,20% 11,67% 0,40%

15 64,04% 47,45% 64,69% 3,58% 21,23% 5,44% 1,92%

16 83,72% 22,27% 64,86% 20,26% 8,67% 2,37% 0,36%

17 82,21% 16,51% 60,15% 9,65% 8,85% 14,97% 0,34%

18 76,73% 55,79% 23,98% 12,11% 42,13% 12,06% 0,52%

19 87,14% 13,32% 63,98% 5,61% 15,64% 8,09% 0,84%

20 83,87% 15,23% 66,26% 10,52% 9,46% 6,06% 1,43%

21 84,02% 20,05% 68,10% 0,00% 15,90% 12,92% 1,19%

22 79,68% 24,56% 66,42% 0,00% 20,16% 5,84% 3,06%

23 81,42% 25,27% 65,21% 0,43% 21,81% 5,74% 0,60%

24 78,38% 20,16% 51,39% 30,69% 12,24% 5,65% 0,24%

25 74,31% 28,91% 82,49% 0,00% 9,56% 5,97% -0,11%

26 84,28% 14,46% 67,58% 0,00% 22,22% 3,64% 0,21%

27 92,85% 19,07% 26,19% 5,22% 57,89% 9,86% 1,11%

28 71,93% 25,99% 79,63% 0,01% 5,78% 9,75% 1,85%

29 91,14% 24,50% 20,25% 12,56% 53,05% 5,42% 2,58%

30 70,30% 35,99% 73,93% 0,00% 18,21% 5,44% 0,59%

31 83,68% 26,89% 45,35% 10,68% 28,54% 16,57% 1,78%

32 74,80% 59,31% 35,45% 0,00% 44,24% 20,36% 2,98%

#

• Cartera con un indicador cada vez más bajo al 70% mínimo recomendado, conlleva a que en el mediano a corto plazo, los ingresos a recibir por dicha cartera sean cada vez más limitados, lo que indudablemente afectará la sostenibilidad financiera de la entidad.

• Un alto volumen de disponible, muy por encima del máximo recomendado del 20% sobre depósitos, demuestra que la cooperativa cuenta con un alto volumen de recursos ociosos que no le están generando ingresos y si costos financieros.

• Un volumen de ahorros por encima del 70% demuestra la autosostenibilidad financiera del negocio, es decir, soporta la colocación con la captación, lo que permite disminuir costos financieros y generar cultura del ahorro en los asociados.

• Es indiscutible que el Capital Institucional sigue siendo la Fortaleza más importante de las Cooperativas de Ahorro y Crédito , mantener un indicador cercano o por encima del 10% demuestra una fortaleza que le permite afrontar los riesgos propios del negocio.

• Es indispensable que las Cooperativas tengan claro en qué cuenta patrimonial debe fortalecerse: Fondo Amortización?? – Reserva Protección de Aportes?? –Otros??.

ANÁLISIS INSTITUCIONES FINANCIERAS AFILIADAS A FECOLFINEVALUACIÓN INDICADORES A OCTUBRE DE 2020

A la fecha del estudio, la Superfinanciera no había publicado los datos a Octubre de 2020.

Cartera /

Activos

Disponible /

Depósitos

Depósitos /

Activos

Deuda

Bancaria /

Activos

Apor. Sociales

/ Activos

Capital Inst. /

Activos

Excedentes /

Activos

70% - 80% 15% - 20% 70% - 80% <=5% 10% - 20% >10% > Inflac.

33

34

35 67,92% 125,70% 15,94% 0,00% 57,41% 7,85% 0,68%

36 77,35% 34,43% 45,81% 2,52% 37,00% 6,45% 1,64%

37 66,21% 49,97% 53,35% 0,01% 33,76% 5,67% 0,61%

38 54,75% 60,57% 46,62% 0,00% 25,48% 9,18% 0,42%

39 75,72% 20,07% 68,56% 10,01% 10,09% 8,27% 0,66%

40 83,15% 18,95% 81,57% 1,50% 17,09% 0,73% 0,04%

41 59,08% 51,61% 61,92% 0,06% 22,66% 9,84% 0,95%

42 72,10% 34,43% 67,35% 0,00% 18,44% 7,61% 1,32%

43 70,72% 36,35% 67,42% 0,24% 11,08% 14,73% 2,38%

44 62,16% 45,18% 66,50% 0,00% 23,88% 23,12% -0,44%

45 68,50% 47,29% 64,54% 0,00% 19,07% 17,53% -0,21%

46 58,45% 49,26% 72,67% 0,00% 20,50% 3,49% -2,06%

47 70,64% 45,03% 48,61% 0,00% 30,15% 10,66% 2,39%

48 65,40% 45,71% 58,45% 0,00% 36,77% 1,88% 2,41%

49 82,45% 55,82% 44,80% 12,38% 30,02% 7,70% 0,99%

50 64,19% 27,98% 46,67% 0,00% 21,85% 21,55% 0,89%

51 50,24% 77,56% 62,65% 0,00% 32,14% 2,47% 0,65%

52 70,27% 58,61% 38,15% 0,00% 51,21% 3,96% 1,50%

53 64,66% 48,13% 67,19% 0,00% 17,91% 9,39% 2,42%

54 67,85% 57,57% 50,58% 0,00% 38,49% 7,88% 0,35%

55 80,85% 26,29% 39,09% 18,49% 31,75% 20,23% 0,74%

56 63,32% 50,56% 63,36% 0,00% 14,32% 18,56% 1,81%

57 80,60% 22,62% 46,09% 3,72% 30,48% 9,71% 0,04%

58 66,43% 60,99% 45,49% 0,00% 33,07% 23,37% -1,19%

59 58,80% 78,87% 45,74% 0,00% 37,67% 13,74% 2,09%

60 78,96% 18,48% 53,05% 0,00% 36,22% 5,15% 2,05%

61 88,43% 34,35% 15,81% 0,00% 68,80% 7,02% 1,85%

62 53,96% 133,49% 33,32% 0,00% 49,14% 23,69% 3,06%

63 80,36% 21,11% 63,90% 12,67% 12,18% 7,54% 1,15%

64 80,18% 17,68% 74,16% 6,93% 9,07% 3,27% -0,13%

65 74,48% 30,29% 67,55% 2,42% 15,90% 10,50% 1,26%

66 74,04% 52,81% 31,71% 0,00% 44,70% 18,43% 0,49%

#

Aspectos Relevantes a Resaltar

1. Al inicio de la Pandemia se estimaba una necesidad de recursos importantes para afrontar la situación, especialmente deuda bancaria.• Realidad: Ingresó más recursos por Depósitos de Asociados en una cuantía muy

superior a la del 2019. El endeudamiento por el contrario bajó.

2. Se estimaba una salida importante de Asociados, que por situaciones de Empleo o cierre de negocios se retirarían de las Cooperativas• Realidad: Ingresaron más asociados, no con el mismo ritmo de 2019.

3. Se estimaba un muy bajo nivel de excedentes, prácticamente con pérdidas; en FECOLFIN se estimó un nivel de Excedentes para el 2020 que oscilan entre $140 mil y $176 mil millones de pesos.• Realidad: Excedentes a Octubre están en $176 mil millones, se observará un

impacto al cierre del año no obstante, no se generará el impacto absolutamente negativo que se vaticinaba por parte de varios analistas.

4. Los Alivios de Cartera impactarían de forma sustancial el estado de resultados

• Realidad: Se han generado importantes gastos por Deterioros, no obstante, las Cooperativas han generado dinámicas y acuerdos para minimizar su impacto.

5. Se estimaba un impacto fuerte en la caída de la cartera de crédito

• Realidad: A Octubre de 2020, el saldo de cartera ya supera levemente el saldo que se tenía a Diciembre de 2019.

6. Se requiere mejorar y trabajar de forma consciente en la Administración de Riesgos, especialmente SARC.

• Realidad: Debe ser una premisa importante entender que la administración de Riesgos es una Realidad y que las entidades deben generar las dinámicas que sean necesarias y prepararse para tener un Sistema Integral en la Administración de Riesgos acorde a la realidad de cada entidad y del Mercado.

Documents

Resultados Financiero Cooperativas vinculadas a Fecolfin...total sector ahorro y crédito (ses) fecolfin cooperativas de ahorro y crÉdito en colombia comportamiento del activo diciembre