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1.7.1.b Memo Item: Cuentas monetarias: Bancos Privados Cerrados(1) En millones de dólares al final del período | |||||||||||||||||||||||||||||
| 2004 | 2005 | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Feb | Mar | Abr | May | Jun | Jul | Ago | Sep | Oct | Nov | Dic | Ene | Feb | Mar | Abr | May | Jun | |||||||||||||
| I. ACTIVOS EXTERNOS NETOS (a -b) | -117.1 | -113.6 | -109.1 | -108.4 | -108.2 | -108.1 | -108.9 | -108.3 | -104.2 | -113.8 | -114.7 | -114.9 | -124.8 | -117.8 | -117.8 | -117.8 | -117.8 | ||||||||||||
| a. Activos | 22.0 | 22.0 | 22.0 | 21.3 | 21.3 | 21.3 | 20.4 | 20.4 | 20.2 | 20.2 | 20.2 | 19.9 | 14.3 | 17.0 | 17.0 | 17.0 | 17.0 | ||||||||||||
| b. Pasivos | 139.1 | 135.6 | 131.1 | 129.8 | 129.5 | 129.4 | 129.3 | 128.7 | 124.4 | 134.0 | 134.9 | 134.8 | 139.1 | 134.8 | 134.8 | 134.8 | 134.8 | ||||||||||||
| II. ACTIVOS INTERNOS NETOS (c +d + e) | 529.9 | 550.1 | 525.8 | 543.5 | 543.8 | 544.3 | 547.1 | 521.9 | 542.8 | 520.8 | 469.3 | 427.1 | 434.2 | 430.6 | 428.3 | 427.6 | 422.7 | ||||||||||||
| c. Crédito interno (c.1+c.2+c.3+c.4+c.5+c.6+c.7)) | 108.2 | 118.4 | 106.8 | 107.4 | 108.6 | 108.9 | 109.8 | 94.1 | 101.5 | 94.0 | -269.1 | -326.3 | -325.4 | -331.9 | -336.4 | -335.9 | -345.2 | ||||||||||||
| c.1 Crédito neto al gobierno central ( c.1.1-c.1.2) | -697.7 | -698.9 | -704.8 | -707.7 | -699.7 | -701.7 | -699.1 | -702.4 | -699.7 | -701.6 | -978.4 | -1026.7 | -1028.9 | -1035.4 | -1039.5 | -1039.6 | -1045.2 | ||||||||||||
| c.1.1 Crédito | 23.2 | 23.1 | 23.2 | 18.0 | 18.0 | 18.0 | 18.0 | 18.0 | 18.0 | 17.9 | 17.8 | 17.7 | 17.7 | 17.7 | 17.7 | 17.7 | 17.7 | ||||||||||||
| c.1.2 Depósitos y otros pasivos (c.1.2.1+c.1.2.2) | 720.9 | 722.1 | 727.9 | 725.7 | 717.7 | 719.6 | 717.1 | 720.4 | 717.7 | 719.5 | 996.2 | 1044.4 | 1046.6 | 1053.2 | 1057.2 | 1057.3 | 1062.9 | ||||||||||||
| c.1.2.1 Depósitos | 651.2 | 652.3 | 658.3 | 654.9 | 646.1 | 647.9 | 646.9 | 650.3 | 647.4 | 649.5 | 925.9 | 974.1 | 976.3 | 982.9 | 987.0 | 987.1 | 992.6 | ||||||||||||
| c.1.2.2 Otros pasivos | 69.7 | 69.8 | 69.7 | 70.8 | 71.6 | 71.7 | 70.2 | 70.1 | 70.3 | 70.0 | 70.3 | 70.3 | 70.3 | 70.3 | 70.2 | 70.2 | 70.3 | ||||||||||||
| c.2 Depósitos fondos seguridad social | -4.0 | -0.4 | -4.0 | -0.4 | -0.4 | -0.4 | -0.4 | -4.0 | -0.4 | -4.0 | -4.0 | -4.0 | -4.0 | -4.0 | -4.0 | -4.0 | -4.0 | ||||||||||||
| c.3 Crédito sociedades públicas no finan. (empresas). | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| c.4 Crédito gobiernos provinciales y locales. | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| c.5 Crédito neto otras sociedades financieras (c.5.1-c.5.2) | -80.2 | -74.6 | -75.5 | -75.3 | -75.6 | -75.8 | -76.2 | -80.5 | -80.4 | -82.6 | -92.3 | -91.8 | -92.7 | -92.7 | -94.3 | -94.4 | -94.5 | ||||||||||||
| c.5.1 Crédito | 31.0 | 31.0 | 31.1 | 31.1 | 31.1 | 31.1 | 31.1 | 31.1 | 31.1 | 31.1 | 9.7 | 9.7 | 9.7 | 9.7 | 9.7 | 9.7 | 9.6 | ||||||||||||
| c.5.2 Depósitos y otros pasivos | 111.2 | 105.6 | 106.6 | 106.3 | 106.6 | 106.8 | 107.3 | 111.5 | 111.5 | 113.8 | 101.9 | 101.4 | 102.3 | 102.4 | 103.9 | 104.1 | 104.2 | ||||||||||||
| c.6 Crédito neto entidades off-shore (c.6.1-c.6.2) | 62.8 | 62.5 | 61.3 | 61.6 | 61.4 | 62.8 | 61.8 | 61.9 | 64.6 | 64.9 | 64.8 | 59.2 | 59.2 | 59.2 | 59.2 | 59.2 | 59.2 | ||||||||||||
| c.6.1 Crédito | 73.1 | 72.8 | 71.6 | 71.9 | 71.6 | 73.1 | 72.0 | 72.2 | 74.9 | 75.1 | 75.1 | 69.5 | 69.5 | 69.5 | 69.5 | 69.5 | 69.5 | ||||||||||||
| c.6.2 Depósitos y otros pasivos | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | 10.3 | ||||||||||||
| c.7 Crédito al sector privado (empresas y hogares) (c.7.1+c.7.2+c.7.3) | 827.3 | 829.8 | 829.8 | 829.1 | 822.9 | 823.9 | 823.7 | 819.0 | 817.4 | 817.4 | 740.8 | 737.0 | 741.0 | 741.0 | 742.2 | 743.0 | 739.3 | ||||||||||||
| c.7.1 Cartera (c.7.1.1+c.7.1.2) | 694.1 | 696.3 | 695.1 | 694.5 | 690.7 | 690.9 | 690.8 | 689.1 | 687.5 | 687.1 | 612.6 | 608.8 | 612.3 | 612.3 | 611.6 | 611.5 | 607.5 | ||||||||||||
| c.7.1.1 Por vencer | 68.8 | 60.9 | 61.6 | 61.0 | 58.7 | 59.7 | 55.6 | 54.0 | 53.8 | 53.0 | 50.0 | 45.7 | 45.6 | 44.8 | 44.6 | 44.3 | 43.5 | ||||||||||||
| c.7.1.2 Vencida | 625.3 | 635.4 | 633.5 | 633.5 | 632.0 | 631.2 | 635.3 | 635.1 | 633.7 | 634.2 | 562.6 | 563.1 | 566.8 | 567.5 | 567.0 | 567.3 | 564.0 | ||||||||||||
| c.7.2 Títulos valores | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | 2.1 | ||||||||||||
| c.7.3 Otros activos | 131.2 | 131.4 | 132.6 | 132.5 | 130.1 | 130.9 | 130.8 | 127.8 | 127.8 | 128.1 | 126.1 | 126.1 | 126.6 | 126.6 | 128.6 | 129.3 | 129.7 | ||||||||||||
| d. Posición neta con el BCE (d.1-d.2) | -53.2 | -53.2 | -53.2 | -52.8 | -52.8 | -51.1 | -51.1 | -51.1 | -51.1 | -51.1 | -52.5 | -52.5 | -51.3 | -51.3 | -49.9 | -49.9 | -49.9 | ||||||||||||
| d.1. Reservas internas (d.1.1+d.1.2+d.1.3+d.1.4) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| d..1.1 Caja | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| d.1.2 Depósitos en el BCE | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| d.1.3 Títulos para encaje | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| d.1.4 Títulos TBC | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| d.2. Pasivos (d.2.1+d.2.2+d.2.3) | 53.2 | 53.2 | 53.2 | 52.8 | 52.8 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 52.5 | 52.5 | 51.3 | 51.3 | 49.9 | 49.9 | 49.9 | ||||||||||||
| d.2.1 Depósitos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| d.2.2 Otros pasivos (Préstamos) (2) | 53.2 | 53.2 | 53.2 | 52.8 | 52.8 | 51.1 | 51.1 | 51.1 | 51.1 | 51.1 | 52.5 | 52.5 | 51.3 | 51.3 | 49.9 | 49.9 | 49.9 | ||||||||||||
| d.2.3 Operaciones de reporto | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| e. Otros activos netos no clasificados (e.1-e.2) | 474.9 | 484.9 | 472.2 | 489.0 | 488.0 | 486.5 | 488.4 | 478.9 | 492.4 | 477.9 | 790.8 | 805.9 | 810.9 | 813.8 | 814.5 | 813.3 | 817.7 | ||||||||||||
| e.1 Activos | 714.1 | 710.3 | 705.8 | 692.2 | 686.7 | 683.8 | 684.4 | 684.1 | 680.5 | 675.0 | 684.6 | 692.9 | 700.3 | 699.2 | 702.7 | 697.8 | 703.4 | ||||||||||||
| e.2. Pasivos | 239.1 | 225.4 | 233.6 | 203.2 | 198.7 | 197.3 | 196.0 | 205.2 | 188.1 | 197.1 | -106.2 | -112.9 | -110.6 | -114.6 | -111.8 | -115.5 | -114.4 | ||||||||||||
| III. PASIVOS FINANCIEROS (I + II = f + g) | 412.8 | 436.5 | 416.7 | 435.1 | 435.7 | 436.2 | 438.2 | 413.6 | 438.6 | 407.1 | 354.6 | 312.2 | 309.4 | 312.8 | 310.5 | 309.8 | 304.9 | ||||||||||||
| f. Pasivos monetarios (f.1 + f.2) | 412.8 | 436.5 | 416.7 | 435.1 | 435.7 | 436.2 | 438.2 | 413.6 | 438.6 | 407.1 | 354.6 | 312.2 | 309.4 | 312.8 | 310.5 | 309.8 | 304.9 | ||||||||||||
| f.1 Depósitos a la vista (f.1.1+f.1.2+f.1.3+f.1.4) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.1.1 Sociedades públicas no financieras | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.1.2 Gobiernos estatales y provinciales | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.1.3 Otras sociedades no financieras | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.1.4 Otros sectores residentes | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.2 Cuasidinero (f.2.1 + f.2.2 + f.2.3 + f.2.4 + f.2.5) | 412.8 | 436.5 | 416.7 | 435.1 | 435.7 | 436.2 | 438.2 | 413.6 | 438.6 | 407.1 | 354.6 | 312.2 | 309.4 | 312.8 | 310.5 | 309.8 | 304.9 | ||||||||||||
| f.2.1 Depósitos de ahorro | 3.5 | 3.5 | 3.4 | 3.4 | 3.4 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.3 | 3.0 | 2.9 | ||||||||||||
| f.2.2 Depósitos a plazo fijo | 342.6 | 364.1 | 345.2 | 365.2 | 365.7 | 366.3 | 368.1 | 347.7 | 373.3 | 342.1 | 289.7 | 257.6 | 254.3 | 257.9 | 255.8 | 255.2 | 250.6 | ||||||||||||
| f.2.3 Depósitos restringidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.2.4 Operaciones de reporto | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
| f.2.5 Otros depósitos | 66.6 | 68.9 | 68.0 | 66.5 | 66.6 | 66.5 | 66.7 | 62.6 | 62.0 | 61.7 | 61.6 | 51.2 | 51.8 | 51.6 | 51.4 | 51.5 | 51.3 | ||||||||||||
| g. Instrumentos financieros | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | ||||||||||||
(1) Comprende los bancos en proceso de liquidación en la AGD. En julio del 2001 Filanbanco cerró sus puertas al público. A partir de julio del 2002 se excluye el Filanbanco porque no se dispone del balance. Según resoluciones de la Superintendencia de Bancos y Seguros del 22 de junio de 2004, No. SBS-2004-0541, No. SBS-2004-0543 y No. SBS-2004-0544, se autoriza el traspaso de activos, pasivos, contingentes, cuentas de orden, de resultados y patrimonio de The International Finverbank (Bahamas), Progreso Limited y FINAGRO International Bank & Trust Company, Limited, a favor de los bancos en saneamiento Tungurahua, Progreso y FINAGRO, respectivamente. Esto impide utilizar esta información, por no ser consistente con la metodología vigente, que no contempla la inclusión de las off-shore en los panoramas del sistema financiero. Por lo que a partir del 31 de diciembre de 2004, en la consolidación de los bancos cerrados, se ha procedido a reemplazar los balances de los bancos Tungurahua, Progreso y FINAGRO, con información del 24 de diciembre de 2004. Una vez que el BCE cuente con la información contable desagregada, procederá a actualizar el panorama de los bancos cerrados. (2) Se refiere a créditos pendientes de la banca cerrada con el BCE. FUENTE: Bancos privados.