CIRCULAR EXTERNA 17 DE 2000

 

CIRCULAR EXTERNA 17 DE 2000 

(Marzo 7)

Ref.: Coeficientes de riesgo.

En concordancia con las instrucciones impartidas en la Circular Externa 39 de 1999, este despacho se permite informar los coeficientes de riesgo de los establecimientos de crédito del mes de diciembre de 1999, adjuntos a la presente, que deberán ser aplicados para el cálculo de las provisiones adicionales de los meses de febrero, marzo y abril del año 2000.

La presente circular rige a partir de la fecha de su publicación.

N. del D.: Esta circular va dirigida a representantes legales de las entidades vigiladas.

Establecimientos de crédito

Provisiones adicionales (cap. II, num. 9.4. Circ. Ext 100/95)

Cálculos con base en el informe operaciones activas de crédito a diciembre de 1999

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ver tabla
Tipo ent.Cód. int.EntidadCoeficientes de riesgo individual Alfa 
ComercialConsumoViviendaComercialConsumoVivienda
4
4
21
2
3
4
3
4
4
1
3
4
4
3
3
2
4
4
4
2
8
4
4
1
1
4
1
4
4
4
1
4
2
1
2
4
4
1
4
4
2
4
1
1
1
4
2
4
4
4
4
4
1
1
2
1
4
4
4
1
1
1
4
4
1
4
4
2
1
1
4
4
1
1
1
1
2
1
1
1
2
4
58
96
25
20
5
21
6
106
78
5
7
95
29
8
9
5
105
35
70
37
2
26
89
39
30
67
10
108
90
34
34
74
15
13
29
97
79
7
13
59
9
101
2
20
43
65
6
22
6
24
33
102
23
44
11
1
84
23
87
6
12
42
17
46
29
5
76
18
24
9
31
8
8
22
26
35
19
28
14
36
39
109
Leasing Superior
Leasing internacional
Central hipotecario - consolidado
Occidente
Granahorrar
Financiera Mazdacredito
Ahorramas
Financiera F.E.S. S.A.
Equileasing S.A.
Bancafe
Av Villas
Leasing Caldas
Credinver
Colmena
Conavi
Corficafe S.A.
Dann Financiera
Multifinanciera
Interleasing S.A.
Colcorp S.A.
Coopcentral
Sufinanciamiento
Bansaleasing
Davivienda S.A.
Banco Caja Social
Leasing Colombia S.A.
Anglo
La regional
Leasing de occidente S.A.
Aliadas S.A.
Superior
Leasing Citibank S.A.
IFI - Instituto de Fomento Industrial
BBV Banco Ganadero S.A.
Corporación Financ del Transporte
Leasing popular
Leasameris S.A.
Bancolombia S.A.
Inversora Pichincha
Leasing del Valle
Corfigan
IFI leasing
Banco Popular S.A.
Estado
Banco Agrario de Colombia S.A.
Leasing Bolívar
Corficolombiana S.A.
Confinanciera
Delta Bolívar
Finandina
Internacional
Compartir S.A.
Occidente
Megabanco S.A.
Corporación Financiera del Valle S.A.
Banco de Bogotá
Leasing Bogotá S.A.
Serfinanza
Leasing de Crédito S.A.
Banco Santander
Sudameris Colombia
Red Multibanca Colpatria S.A.
Comercia
Coltefinanciera
Tequendama S.A.
Finamerica
Suleasing S.A.
Corfinsura
Standard Chartered Colombia
Citibank
G.M.A.C. Colombia
Orion
Abn Amro bank (Colombia) S.A.
Unión Colombiano
Bank of América Colombia
Interbanco
Corfinorte S.A.
Mercantil de Colombia S.A.
Crédito
Bankboston S.A.
Ing Barings
Newcourt Leasing Colombia S.A.
71.14%
65.35%
50.87%
46.76%
43.52%
37.15%
35.34%
35.17%
33.04%
27.15%
26.59%
24.97%
22.95%
18.90%
18.18%
17.80%
17.02%
16.98%
16.94%
16.13%
14.74%
12.90%
12.74%
12.64%
12.59%
12.44%
12.24%
12.13%
12.10%
11.31%
10.53%
10.24%
10.22%
10.04%
9.96%
9.58%
9.49%
9.44%
9.37%
8.88%
8.82%
8.56%
8.47%
8.39%
8.19%
8.15%
8.13%
7.96%
7.70%
6.98%
6.93%
6.68%
6.47%
6.36%
6.30%
5.41%
5.35%
5.08%
3.87%
3.77%
3.65%
3.58%
3.29%
3.25%
3.23%
3.23%
2.70%
2.67%
2.02%
1.30%
1.28%
1.00%
0.94%
0.94%
0.63%
0.49%
0.43%
0.27%
0.19%
0.00%
0.00%
0.00%
75.22%
11.33%
21.69%
6.81%
25.88%
10.37%
5.16%
13.17%
15.15%
21.13%
2.97%
14.65%
14.41%
7.31%
11.73%
14.10%
27.83%
9.90%
4.11%
31.54%
12.41%
8.17%
42.28%
11.28%
6.62%
13.31%
8.12%
5.50%
14.62%
5.22%
2.92%
0.00%
44.59%
13.03%
13.62%
3.13%
4.92%
12.18%
8.99%
3.56%
32.15%
21.49%
5.27%
33.85%
0.39%
6.52%
14.34%
10.20%
10.92%
6.36%
9.69%
7.14%
6.72%
5.99%
6.57%
5.57%
9.20%
7.72%
5.48%
14.08%
11.38%
4.99%
13.39%
2.99%
6.84%
7.06%
0.00%
0.28%
26.54%
8.43%
11.81%
4.92%
12.20%
2.30%
0.00%
3.82%
1.14%
3.40%
0.53%
0.00%
0.00%
0.00%


18.12%
75.00%
21.55%

12.63%
41.21%

20.16%
13.30%


9.47%
8.86%




0.00%
6.64%


11.37%
3.76%

6.42%



0.00%

4.65%
9.78%
54.15%


0.24%




6.66%
1.68%
0.90%

1.65%




0.00%
0.00%
3.16%
4.48%
1.80%



0.00%
10.27%
4.61%
0.00%
0.00%
3.33%

2.21%





0.02%
0.00%
0.00%
0.80%
9.39%
2.17%

0.00%
0.00%
10.8%
9.8%
7.3%
6.6%
6.1%
5.0%
4.7%
4.6%
4.3%
3.3%
3.2%
2.9%
2.6%
1.9%
1.7%
1.7%
1.5%
1.5%
1.5%
1.4%
1.2%
0.8%
0.8%
0.8%
0.8%
0.8%
0.7%
0.7%
0.7%
0.6%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
14.1%
0.0%
2.7%
0.0%
3.6%
0.0%
0.0%
0.9%
1.3%
2.6%
0.0%
1.2%
1.1%
0.0%
0.6%
1.1%
4.0%
0.0%
0.0%
4.8%
0.7%
0.0%
7.1%
0.0%
0.0%
0.9%
0.0%
0.0%
1.2%
0.0%
0.0%
0.0%
7.6%
0.8%
1.0%
0.0%
0.0%
0.7%
0.0%
0.0%
4.9%
2.6%
5.3%
0.0%
0.0%
0.0%
1.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
0.0%
0.0%
0.9%
0.0%
0.0%
0.0%
0.0%
0.0%
3.7%
0.0%
0.6%
0.0%
0.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
2.2%
11.8%
2.8%
0.0%
1.3%
6.1%
0.0%
2.6%
1.4%495
0.0%
0.0%
0.8%
0.7%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
1.1%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.8%
8.3%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.9%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.7%
0.0%
0.0%
0.0%
0.0%
0.0%
Promedio de la totalidad interm. Financ. 12.66% 11.23% 8.62%

Desv. Estandar de la totalidad interm. Financ. 14.13% 11.69% 14.99% 

0.9 desv est de la totalidad interm. Financ. 12.72% 10.52% 13.49% 

Limite superior 25.38% 21.74% 22.10%  

Límite inferior -0.06% 0.71% -4.87% 

Nuevo promedio 7.97% 9.05% 5.00% 

Nuevo desv estandar 5.86% 4.70% 5.93% 

Provisiones adicionales a partir del coeficiente: 10.90% 11.41% 7.97% 

Notas: Entran en el cálculo del nuevo promedio:_______________

Deben efectuar provisiones adicionales:______________________

______________________________________