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[]
["1.10.3 VOLUMEN DE CRÉDITO POR SEGMENTOS "]
["En millones de dólares(*)"]
[]
[]
[null,null,"Segmento Productivo",{"$nulls":4},"Segmento Consumo",{"$nulls":3},"Segmento Microcrédito",{"$nulls":5},"Segmento Vivienda"]
[]
["Período / Segmento",{"$nulls":17},"Vivienda de"]
[null,null,"Productivo",null,"Productivo",null,"Productivo",null,"Consumo (4)",null,null,"Microcrédito ",null,"Microcrédito",null,"Microcrédito",null,"Vivienda (8)"," Interés "]
[null,null,"Corporativo (1)",null,"Empresarial (2)",null,"PYMES (3)",{"$nulls":4},"acumulación   ",null,"acumulación ",null,"Minorista (7)",null,null,"Público(9)"]
[{"$nulls":11},"ampliada (5)",null,"simple (6)"]
[]
[]
[2013,"Enero",{"v":686.097375079999,"d":"686.10"},null,{"v":165.12458243999978,"d":"165.12"},null,{"v":133.27132730999895,"d":"133.27"},null,{"v":399.9636157600481,"d":"399.96"},null,null,{"v":37.35663367000001,"d":"37.36"},null,{"v":80.72595966999961,"d":"80.73"},null,{"v":55.47266697999694,"d":"55.47"},null,{"v":31.01168896000002,"d":"31.01"}]
[null,"Febrero",{"v":671.4229878199984,"d":"671.42"},null,{"v":139.00799754999994,"d":"139.01"},null,{"v":136.94620505999916,"d":"136.95"},null,{"v":359.22879928003556,"d":"359.23"},null,null,{"v":36.28885297999999,"d":"36.29"},null,{"v":70.14362038999965,"d":"70.14"},null,{"v":51.710445449996016,"d":"51.71"},null,{"v":29.347189709999974,"d":"29.35"}]
[null,"Marzo",{"v":786.3704749200215,"d":"786.37"},null,{"v":169.35065812999517,"d":"169.35"},null,{"v":161.25083730998898,"d":"161.25"},null,{"v":454.8511702401589,"d":"454.85"},null,null,{"v":37.23141922999998,"d":"37.23"},null,{"v":73.69691583000204,"d":"73.70"},null,{"v":58.80953094999725,"d":"58.81"},null,{"v":44.134023690000014,"d":"44.13"}]
[null,"Abril",{"v":1017.8932743199965,"d":"1,017.89"},null,{"v":182.02688262999828,"d":"182.03"},null,{"v":185.77671837999708,"d":"185.78"},null,{"v":545.2301461100409,"d":"545.23"},null,null,{"v":45.55102792999998,"d":"45.55"},null,{"v":87.50055531000017,"d":"87.50"},null,{"v":65.63694072999903,"d":"65.64"},null,{"v":44.07491987000003,"d":"44.07"}]
[null,"Mayo",{"v":768.5523306299644,"d":"768.55"},null,{"v":180.9804891899989,"d":"180.98"},null,{"v":176.57475919999797,"d":"176.57"},null,{"v":478.25560529002837,"d":"478.26"},null,null,{"v":45.75001024000002,"d":"45.75"},null,{"v":80.96478757000068,"d":"80.96"},null,{"v":58.28745470999702,"d":"58.29"},null,{"v":37.805609170000004,"d":"37.81"}]
[null,"Junio",{"v":826.0255490600151,"d":"826.03"},null,{"v":157.8450706199988,"d":"157.85"},null,{"v":165.03508153999914,"d":"165.04"},null,{"v":488.80539039002485,"d":"488.81"},null,null,{"v":45.121216549999964,"d":"45.12"},null,{"v":85.32658293000043,"d":"85.33"},null,{"v":54.40569018999897,"d":"54.41"},null,{"v":50.123924620000004,"d":"50.12"}]
[null,"Julio",{"v":853.4094402299971,"d":"853.41"},null,{"v":183.77629338999802,"d":"183.78"},null,{"v":178.4875195599988,"d":"178.49"},null,{"v":553.4486170700308,"d":"553.45"},null,null,{"v":44.10223960000003,"d":"44.10"},null,{"v":85.7272860900002,"d":"85.73"},null,{"v":55.80851716999888,"d":"55.81"},null,{"v":47.77913438,"d":"47.78"}]
[null,"Agosto",{"v":854.3281099299902,"d":"854.33"},null,{"v":177.49037078999856,"d":"177.49"},null,{"v":177.324374459997,"d":"177.32"},null,{"v":515.7653280900761,"d":"515.77"},null,null,{"v":45.35206250999999,"d":"45.35"},null,{"v":89.98782121000015,"d":"89.99"},null,{"v":61.89872128999891,"d":"61.90"},null,{"v":48.99612171999997,"d":"49.00"}]
[null,"Septiembre",{"v":794.4869167300127,"d":"794.49"},null,{"v":176.95628606999824,"d":"176.96"},null,{"v":178.52750499999792,"d":"178.53"},null,{"v":493.22344330006587,"d":"493.22"},null,null,{"v":46.00864431999998,"d":"46.01"},null,{"v":94.14866526000012,"d":"94.15"},null,{"v":61.436839979998325,"d":"61.44"},null,{"v":50.48247745999995,"d":"50.48"}]
[null,"Octubre",{"v":790.9415797400151,"d":"790.94"},null,{"v":187.24893277999757,"d":"187.25"},null,{"v":186.59834724999598,"d":"186.60"},null,{"v":515.6735075400952,"d":"515.67"},null,null,{"v":52.966287989999984,"d":"52.97"},null,{"v":99.84202035000058,"d":"99.84"},null,{"v":62.13343168999837,"d":"62.13"},null,{"v":53.38085856,"d":"53.38"}]
[null,"Noviembre",{"v":924.829554280018,"d":"924.83"},null,{"v":189.09625483999875,"d":"189.10"},null,{"v":203.8965979099965,"d":"203.90"},null,{"v":504.4590150100649,"d":"504.46"},null,null,{"v":54.35936557000002,"d":"54.36"},null,{"v":100.73334809000049,"d":"100.73"},null,{"v":64.35066840999913,"d":"64.35"},null,{"v":57.26631070999995,"d":"57.27"}]
[null,"Diciembre",{"v":981.4666482700169,"d":"981.47"},null,{"v":218.77311719999688,"d":"218.77"},null,{"v":197.6076434299973,"d":"197.61"},null,{"v":471.51748161013137,"d":"471.52"},null,null,{"v":48.11421968000002,"d":"48.11"},null,{"v":83.48085814000021,"d":"83.48"},null,{"v":59.29247807999938,"d":"59.29"},null,{"v":53.78492586,"d":"53.78"}]
[]
[2014,"Enero",{"v":746.6253888400016,"d":"746.63"},null,{"v":164.5255644099984,"d":"164.53"},null,{"v":150.7736356599989,"d":"150.77"},null,{"v":471.1362971200701,"d":"471.14"},null,null,{"v":50.37416684000001,"d":"50.37"},null,{"v":94.15641024000028,"d":"94.16"},null,{"v":54.5806455399986,"d":"54.58"},null,{"v":42.12013271000002,"d":"42.12"}]
[null,"Febrero",{"v":823.9050766700004,"d":"823.91"},null,{"v":165.06285236999895,"d":"165.06"},null,{"v":162.1119687500004,"d":"162.11"},null,{"v":464.1056085900536,"d":"464.11"},null,null,{"v":53.87239822000004,"d":"53.87"},null,{"v":92.60124929000045,"d":"92.60"},null,{"v":53.0030310200014,"d":"53.00"},null,{"v":46.470890730000036,"d":"46.47"}]
[null,"Marzo",{"v":959.4339661000162,"d":"959.43"},null,{"v":190.73612164000002,"d":"190.74"},null,{"v":180.12929761000123,"d":"180.13"},null,{"v":462.3498745200547,"d":"462.35"},null,null,{"v":56.2252855,"d":"56.23"},null,{"v":97.39983244999978,"d":"97.40"},null,{"v":52.547492089999295,"d":"52.55"},null,{"v":46.34128499000001,"d":"46.34"}]
[null,"Abril",{"v":994.5504440200367,"d":"994.55"},null,{"v":170.90941652000018,"d":"170.91"},null,{"v":158.75565155999809,"d":"158.76"},null,{"v":466.8855432600633,"d":"466.89"},null,null,{"v":48.52861641000001,"d":"48.53"},null,{"v":86.70532075999996,"d":"86.71"},null,{"v":48.31931290999933,"d":"48.32"},null,{"v":50.760795699999996,"d":"50.76"}]
[null,"Mayo",{"v":866.1099391800124,"d":"866.11"},null,{"v":183.91527643999936,"d":"183.92"},null,{"v":199.4883967099993,"d":"199.49"},null,{"v":521.4534526501026,"d":"521.45"},null,null,{"v":60.19439517999992,"d":"60.19"},null,{"v":106.72016912000001,"d":"106.72"},null,{"v":59.423100429997234,"d":"59.42"},null,{"v":55.60453913999999,"d":"55.60"}]
[null,"Junio",{"v":939.2374269100106,"d":"939.24"},null,{"v":199.90237189999914,"d":"199.90"},null,{"v":205.2782714199979,"d":"205.28"},null,{"v":521.212392700071,"d":"521.21"},null,null,{"v":60.42841604000007,"d":"60.43"},null,{"v":102.71643868999888,"d":"102.72"},null,{"v":58.32489102999967,"d":"58.32"},null,{"v":53.20860996000001,"d":"53.21"}]
[null,"Julio",{"v":870.6373327600066,"d":"870.64"},null,{"v":189.29246545999936,"d":"189.29"},null,{"v":225.55386341999963,"d":"225.55"},null,{"v":566.6443395300943,"d":"566.64"},null,null,{"v":62.61870983000005,"d":"62.62"},null,{"v":108.8477586999985,"d":"108.85"},null,{"v":60.523533829998215,"d":"60.52"},null,{"v":59.01451891000003,"d":"59.01"}]
[null,"Agosto",{"v":724.7349975399923,"d":"724.73"},null,{"v":187.83372178999898,"d":"187.83"},null,{"v":195.98103845999665,"d":"195.98"},null,{"v":528.4631020501301,"d":"528.46"},null,null,{"v":58.13228529,"d":"58.13"},null,{"v":97.89879729999915,"d":"97.90"},null,{"v":54.972148190000205,"d":"54.97"},null,{"v":60.89230706000007,"d":"60.89"}]
[null,"Septiembre",{"v":1042.6201536399742,"d":"1,042.62"},null,{"v":219.71654789999937,"d":"219.72"},null,{"v":215.8900877600004,"d":"215.89"},null,{"v":565.5160636400947,"d":"565.52"},null,null,{"v":61.536158150000006,"d":"61.54"},null,{"v":105.54913628999901,"d":"105.55"},null,{"v":58.16536839999858,"d":"58.17"},null,{"v":63.03441563000005,"d":"63.03"}]
[null,"Octubre",{"v":950.982693299983,"d":"950.98"},null,{"v":215.13665983999903,"d":"215.14"},null,{"v":219.3214302199969,"d":"219.32"},null,{"v":541.3179052000951,"d":"541.32"},null,null,{"v":65.98936952999996,"d":"65.99"},null,{"v":116.6523956799996,"d":"116.65"},null,{"v":62.41958372999918,"d":"62.42"},null,{"v":56.78773635999996,"d":"56.79"}]
[null,"Noviembre",{"v":800.1859858799754,"d":"800.19"},null,{"v":167.06793418999953,"d":"167.07"},null,{"v":194.81686589999663,"d":"194.82"},null,{"v":476.45143091009635,"d":"476.45"},null,null,{"v":59.94536370999999,"d":"59.95"},null,{"v":112.20897007000059,"d":"112.21"},null,{"v":66.94896961998163,"d":"66.95"},null,{"v":52.901560309999994,"d":"52.90"}]
[null,"Diciembre",{"v":930.3761719399951,"d":"930.38"},null,{"v":188.46491753999908,"d":"188.46"},null,{"v":203.25782286000208,"d":"203.26"},null,{"v":482.1111410401418,"d":"482.11"},null,null,{"v":49.486382939999956,"d":"49.49"},null,{"v":91.0999545500001,"d":"91.10"},null,{"v":59.60129036999663,"d":"59.60"},null,{"v":59.21710152000006,"d":"59.22"}]
[]
[2015,"Enero",{"v":870.2611251600083,"d":"870.26"},null,{"v":165.26141812999953,"d":"165.26"},null,{"v":158.1015435199997,"d":"158.10"},null,{"v":453.0045754600865,"d":"453.00"},null,null,{"v":50.249745869999956,"d":"50.25"},null,{"v":96.80762251000004,"d":"96.81"},null,{"v":53.309602550000726,"d":"53.31"},null,{"v":52.680682010000005,"d":"52.68"}]
[null,"Febrero",{"v":988.451305430013,"d":"988.45"},null,{"v":162.0377049099996,"d":"162.04"},null,{"v":170.3411281700004,"d":"170.34"},null,{"v":445.10271722004455,"d":"445.10"},null,null,{"v":56.07375516999995,"d":"56.07"},null,{"v":98.55940923000017,"d":"98.56"},null,{"v":55.95701274000178,"d":"55.96"},null,{"v":51.38541981999999,"d":"51.39"}]
[null,"Marzo",{"v":839.5836118600181,"d":"839.58"},null,{"v":203.60048985999933,"d":"203.60"},null,{"v":217.6659111899959,"d":"217.67"},null,{"v":582.6749724200972,"d":"582.67"},null,null,{"v":81.82689330000005,"d":"81.83"},null,{"v":135.16021909999967,"d":"135.16"},null,{"v":75.67397022999992,"d":"75.67"},null,{"v":66.60707097999996,"d":"66.61"}]
[null,"Abril",{"v":845.3894942900047,"d":"845.39"},null,{"v":173.36639408000005,"d":"173.37"},null,{"v":182.20447973999845,"d":"182.20"},null,{"v":486.21657914008733,"d":"486.22"},null,null,{"v":69.41149785000003,"d":"69.41"},null,{"v":125.88178031000061,"d":"125.88"},null,{"v":68.79822708999995,"d":"68.80"},null,{"v":66.18872545,"d":"66.19"}]
[null,"Mayo",{"v":644.7300438999958,"d":"644.73"},null,{"v":154.14578303000013,"d":"154.15"},null,{"v":169.3347746399981,"d":"169.33"},null,{"v":460.3333582800601,"d":"460.33"},null,null,{"v":69.87208831999997,"d":"69.87"},null,{"v":131.54198190000082,"d":"131.54"},null,{"v":60.79034099999963,"d":"60.79"},null,{"v":58.42206498999998,"d":"58.42"}]
[null,"Junio",{"v":881.1536195700089,"d":"881.15"},null,{"v":167.47330191999976,"d":"167.47"},null,{"v":160.60619206000015,"d":"160.61"},null,{"v":487.16543867008176,"d":"487.17"},null,null,{"v":78.98715689000007,"d":"78.99"},null,{"v":143.28531876000065,"d":"143.29"},null,{"v":62.52502293999995,"d":"62.53"},null,{"v":57.69547319000002,"d":"57.70"},{"v":0.07573866,"d":"0.08"}]
[null,"Julio",{"v":606.7644217100166,"d":"606.76"},null,{"v":144.72340045000027,"d":"144.72"},null,{"v":140.95670313000014,"d":"140.96"},null,{"v":427.3694341500766,"d":"427.37"},null,null,{"v":71.01706274000001,"d":"71.02"},null,{"v":125.4240922900005,"d":"125.42"},null,{"v":54.12462177000033,"d":"54.12"},null,{"v":48.60466702,"d":"48.60"},{"v":0.50480037,"d":"0.50"}]
[]
["(1) Operaciones de crédito superiores a USD 1.000.000 otorgadas a empresas cuyas ventas anuales sean iguales o superiores al nivel que conste en el Instructivo de Tasas de Interés, "]
["dependiendo del sector económico al que pertenecen. "]
["(2) Operaciones de crédito superiores a USD 200.000 hasta USD 1.000.000 otorgadas a empresas cuyas ventas anuales sean iguales o superiores al nivel que conste en el Instructivo de Tasas "]
["de Interés, dependiendo del sector económico al que pertenecen. "]
["(3) Operaciones de crédito inferiores a USD 200.000 dirigidas a pequeñas y medianas empresas cuyas ventas anuales sean iguales o superiores a USD 100.000 e inferiores a los niveles de ventas "]
["anuales mínimos del segmento productivo corporativo."]
["(4) Operaciones de crédito otorgadas a personas naturales asalariadas, rentistas o trabajadores profesionales en libre ejercicio, para adquirir bienes de consumo o pago de servicios, se incluye "]
["las operaciones de crédito instrumentadas a favor de tarjeta habientes."]
["(5) Operaciones de crédito cuyo monto por operación y saldo adeudado en microcréditos a la entidad financiera sean superiores a USD 10.000, otorgadas a micro empresarios que registran "]
["un nivel de ventas anual inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía solidaria."]
["(6) Operaciones de crédito cuyo monto por operación y saldo adeudado en microcréditos a la entidad financiera sea superior a USD 3.000 hasta USD 10.000, otorgadas a micro empresarios "]
["que registran un nivel de ventas o ingresos anuales inferior a USD 100.000, a trabajadores por cuenta propia, o a un grupo de prestatarios con garantía solidaria."]
["(7) Operaciones de crédito sean menores o iguales a USD 3.000, otorgadas a micro empresarios y que registran un nivel de ventas anuales inferior a USD 100.000, a trabajadores por cuenta propia, "]
["o un grupo de prestatarios con garantía solidaria."]
["(8) Operaciones de crédito otorgadas a personas naturales para la adquisición, construcción reparación, remodelación y mejoramiento de vivienda propia."]
["(9) Es el otorgado con garantía hipotecaria a personas naturales para la adquisición o construcción de vivienda única y de primer uso, concedido con la finalidad de transferir la cartera generada a un fideicomiso de titularización"]
[" con participación del Banco Central del Ecuador o el sistema financiero público, cuyo valor comercial sea menor o igual a USD 70,000.00 y cuyo valor por metro cuadrado sea menor o igual a USD 890.00."]
["(*)Mediante Resoluciones 043-2015-F de 5 de marzo de 2015; y, 059-2015-F de 16 de abril de 2015 la Junta de Política y Regulación Monetaria y Financiera emitió la normativa para la nueva segmentación de crédito "]
["del Sistema Financiero Nacional."]
[]
["Fuente: Entidades Financieras Privadas"]