|
|
ANEXO No. 5 - NIVEL 1 |
|
INFORME DE CLASIFICACION DE DEUDORES Y PROVISIONES |
|
|
|
COOPAC: COOPERATIVA DE AHORRO Y CREDITO SEMBRAR CODIGO: 1285 |
|
31 DE Mayo DE 2019 |
|
I.- INFORME DE CLASIFICACION DE LOS DEUDORES DE LA CARTERA DE CREDITOS DIRECTOS E INDIRECTOS |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
A.- MONTO DE LOS CREDITOS DIRECTOS E INDIRECTOS 1| Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | 304,993.14| 8,525.06| 3,625.41| | | 317,143.61| |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | 90,279.16| 1,407.35| 1,100.00| | | 92,786.51| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | 395,272.30| 9,932.41| 4,725.41| | | 409,930.12| |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
A1.- MONTO DE LOS CREDITOS Y EL EQUIVALENTE A | | | | | | | |
|
RIESGO CREDITICIO DE LOS CREDITOS INDIRECTOS | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | 304,993.14| 8,525.06| 3,625.41| | | 317,143.61| |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | 90,279.16| 1,407.35| 1,100.00| | | 92,786.51| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | 395,272.30| 9,932.41| 4,725.41| | | 409,930.12| |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
B.- NUMERO DE DEUDORES 3/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | 4| | | | | 4| |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | 23| | | | | 23| |
|
MICROEMPRESAS | 208| 7| 2| | | 217| |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | 58| 1| 1| | | 60| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | 293| 8| 3| | | 304| |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
C.- MONTO DE LOS CREDITOS DIRECTOS Y EL | | | | | | | |
|
EQUIVALENTE A RIESGO CREDITICIO DE LOS CREDITOS | | | | | | | |
|
INDIRECTOS CON SUSTITUCION DE CONTRAPARTE | | | | | | | |
|
CREDITICIA - ANTES DE LA SUSTITUCION 5/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | | | | | | | |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | | | | | | | |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
C1.- MONTO DE LOS CREDITOS DIRECTOS Y EL | | | | | | | |
|
EQUIVALENTE A RIESGO CREDITICIO DE LOS CREDITOS | | | | | | | |
|
INDIRECTOS CON SUSTITUCION DE CONTRAPARTE | | | | | | | |
|
CREDITICIA - ANTES DE LA SUSTITUCION 5a/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | | | | | | | |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | | | | | | | |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
D.- MONTO DE LOS CREDITOS DIRECTOS Y EL | | | | | | | |
|
EQUIVALENTE A RIESGO CREDITICIO DE LOS CREDITOS | | | | | | | |
|
INDIRECTOS QUE CUENTAN CON GARANTIAS | | | | | | | |
|
PREFERIDAS AUTOLIQUIDABLES 6/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | | | | | | | |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | | | | | | | |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | | | | | | | |
|
ANEXO No. 5 - NIVEL 1 |
|
INFORME DE CLASIFICACION DE DEUDORES Y PROVISIONES |
|
|
|
COOPAC: COOPERATIVA DE AHORRO Y CREDITO SEMBRAR CODIGO: 1285 |
|
31 DE Mayo DE 2019 |
|
I.- INFORME DE CLASIFICACION DE LOS DEUDORES DE LA CARTERA DE CREDITOS DIRECTOS E INDIRECTOS |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
E.- MONTO DE LOS CREDITOS DIRECTOS Y EL | | | | | | | |
|
EQUIVALENTE A RIESGO CREDITICIO DE LOS CREDITOS | | | | | | | |
|
INDIRECTOS QUE CUENTAN CON GARANTIAS | | | | | | | |
|
PREFERIDAS DE MUY RAPIDA REALIZACION 7/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | | | | | | | |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
F.- MONTO DE LOS CREDITOS DIRECTOS Y EL | | | | | | | |
|
EQUIVALENTE A RIESGO CREDITICIO DE LOS CREDITOS | | | | | | | |
|
INDIRECTOS QUE CUENTAN CON GARANTIAS | | | | | | | |
|
PREFERIDAS 8/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | | | | | | | |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
G.- MONTO DE LOS CREDITOS HIPOTECARIOS QUE | | | | | | | |
|
CUENTAN CON COBERTURA DEL FONDO MIVIVIENDA | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Con cobertura del Fondo Mivivienda | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
H.- MONTO DE LOS CREDITOS DIRECTOS Y EL | | | | | | | |
|
EQUIVALENTE A RIESGO CREDITICIO DE LOS CREDITOS | | | | | | | |
|
INDIRECTOS QUE NO CUENTA CON COBERTURA 10/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | 304,993.14| 8,525.06| 3,625.41| | | 317,143.61| |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | 90,279.16| 1,407.35| 1,100.00| | | 92,786.51| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | 395,272.30| 9,932.41| 4,725.41| | | 409,930.12| |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
I.- PROVISIONES CONSTITUIDAS 11/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | 53.17| | | | | 53.17| |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | 312.40| | | | | 312.40| |
|
MICROEMPRESAS | 2,122.31| 237.90| 186.45| | | 2,546.66| |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | 674.36| 75.00| 55.00| | | 804.36| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | 3,162.24| 312.90| 241.45| | | 3,716.59| |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
J.- PROVISIONES REQUERIDAS 12/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | | | | | | | |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | | | | | | | |
|
MICROEMPRESAS | 3,049.90| 106.56| 226.59| | | 3,383.05| |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | 631.90| 70.37| 275.00| | | 977.27| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | 3,681.80| 176.93| 501.59| | | 4,360.32| |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
K.- SUPERAVIT (DEFICIT) DE PROVISIONES 13/ | Normal | CPP | Deficiente | Dudoso | Perdida | Total | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
CORPORATIVOS | | | | | | | |
|
GRANDES EMPRESAS | -53.17| | | | | -53.17| |
|
MEDIANAS EMPRESAS | | | | | | | |
|
PEQUENAS EMPRESAS | -312.40| | | | | -312.40| |
|
MICROEMPRESAS | | | | | | | |
|
CONSUMO REVOLVENTE | | | | | | | |
|
CONSUMO NO REVOLVENTE | -3.74| | | | | -3.74| |
|
HIPOTECARIO PARA VIVIENDA | | | | | | | |
|
________________________________________________________________________________________________________________________________________________________________________________ |
|
Total | -369.31| | | | | -369.31| |
|
________________________________________________________________________________________________________________________________________________________________________________ |