CIRCULAR EXTERNA 71 DE 1999

 

CIRCULAR EXTERNA 71 DE 1999 

(Diciembre 3)

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 septiembre de 1999, adjuntos a la presente, que deberán ser aplicados para el cálculo de las provisiones adicionales de los meses de noviembre y diciembre del año en curso y enero del año 2000.

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

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 septiembre de 1999.

Coeficientes de Alfa 

riesgo individual 

Tipo Cod. Entidad comercial consumo vivienda Comercial consumo vivienda 

Ent. Ent. 

2 10 Cundinamarca 69.21% 89.11% 9.5% 15.6% 0.0% 

4 58 Leasing superior 59.36% 54.30% 7.9% 8.8% 0.0% 

4 42 Crecer 46.70% 15.49% 5.8% 1.1% 0.0% 

2 20 Occidente 44.95% 18.10% 33.33% 5.5% 1.6% 6.7% 

21 25 Banco Central 

Hipotecario 44.24% 32.76% 16.95% 5.4% 4.5% 3.0% 

3 5 Granahorrar 44.15% 21.46% 17.45% 5.4% 2.3% 3.1% 

1 37 Coopdesarrollo 42.30% 23.25% 20.53% 5.1% 2.6% 3.8% 

4 96 Leasing Internacional 41.71% 8.73% 5.0% 0.0% 0.0% 

4 78 Equileasing S.A. 37.76% 23.75% 4.4% 2.7% 0.0% 

4 69 Leasing Colpatria 29.70% 17.70% 3.1% 1.5% 0.0% 

4 26 Sufinanciamiento 29.54% 5.46% 0.24% 3.0% 0.0% 0.0% 

3 6 Ahorramás 28.63% 8.22% 9.31% 2.9% 0.0% 1.3% 

4 21 Financiera Mazda- 

crédito 27.29% 12.54% 2.7% 0.5% 0.0% 

4 106 Financiera 

FES S.A. 25.16% 12.31% 27.41% 2.3% 0.0% 5.4% 

4 95 Leasing Caldas 24.50% 15.28% 2.2% 1.1% 0.0% 

3 7 Las Villas 23.45% 6.15% 10.04% 2.1% 0.0% 1.4% 

4 101 IFI Leasing 21.93% 13.68% 1.8% 0.7% 0.0% 

1 20 Estado 20.99% 29.33% 2.27% 1.7% 3.8% 0.0% 

4 29 Credinver 20.45% 14.87% 1.6% 1.0% 0.0% 

1 5 Bancafé 20.37% 17.26% 14.80% 1.6% 1.4% 2.5%4 13 Inversora Pichincha 18.30% 12.46% 1.2% 0.5% 0.0% 

4 70 Interleasing S.A. 17.70% 2.93% 1.1% 0.0% 0.0% 

2 52 Corporación Financiera 

de Caldas S.A. 17.26% 38.44% 1.0% 5.6% 0.0% 

4 90 Leasing de  

Occidente 17.09% 25.80% 1.0% 3.1% 0.0% 

4 97 Leasing Popular 16.84% 12.67% 1.0% 0.5% 0.0% 

2 9 Corfigán 16.14% 56.05% 0.9% 9.1% 0.0% 

4 35 Multifinanciera 16.04% 14.69% 0.9% 0.9% 0.0% 

4 22 Confinanciera 16.01% 10.96% 0.8% 0.0% 0.0% 

3 9 Conavi 15.91% 13.02% 6.25% 0.8% 0.6% 0.6% 

4 105 Dann Financiera 15.53% 20.33% 0.8% 2.1% 0.0% 

1 34 Superior 15.26% 3.72% 0.11% 0.7% 0.0% 0.0% 

3 8 Colmena 15.24% 6.45% 9.61% 0.7% 0.0% 1.3% 

1 10 Anglo 14.76% 9.65% 2.44% 0.6% 0.0% 0.0% 

4 67 Leasing Colombia 

S.A. CFC. 13.24% 12.24% 0.0% 0.0% 0.0% 

2 37 Colcorp. S.A. 13.19% 8.75% 0.00% 0.0% 0.0% 0.0% 

4 24 Finandina 12.58% 5.07% 0.0% 0.0% 0.0% 

2 6 Corficolombiana 

S.A. 12.35% 15.88% 0.90% 0.0% 1.2% 0.0% 

4 79 Leasameris S.A. 11.54% 5.74% 0.0% 0.0% 0.0% 

4 34 Aliadas S.A. Cía. 

de Financiamiento 11.18% 5.03% 0.0% 0.0% 0.0% 

1 30 Banco Caja Social 11.13% 6.51% 3.42% 0.0% 0.0% 0.0% 

2 15 IFI Instituto de Fomento 

Industrial 10.51% 43.62% 1.17% 0.0% 6.6% 0.0% 

1 2 Banco Popular 

S.A. 9.66% 5.34% 4.22% 0.0% 0.0% 0.0% 

1 39 Davivienda 9.59% 10.62% 9.53% 0.0% 0.0% 1.3% 

1 24 Standard Chartered 

Colombia 9.42% 33.09% 0.0% 4.6% 0.0% 

4 33 Internacional 9.24% 9.25% 0.0% 0.0% 0.0% 

4 59 Leasing del Valle 9.02% 2.79% 0.0% 0.0% 0.0% 

4 46 Coltefinanciera 8.77% 12.91% 0.00% 0.0% 0.6% 0.0% 

2 11 Corporación Financiera 

del Valle S.A. 8.45% 4.72% 3.96% 0.0% 0.0% 0.0% 

2 19 Corfinorte S.A. 8.21% 3.68% 8.63% 0.0% 0.0% 1.1% 

8 2 Coopcentral 8.20% 11.07% 3.62% 0.0% 0.0% 0.0% 

4 65 Leasing Bolívar 8.17% 9.39% 0.0% 0.0% 0.0% 

1 43 Banco Agrario de 

Colombia S.A. 8.14% 0.40% 0.21% 0.0% 0.0% 0.0% 

4 89 Bansaleasing 8.04% 38.19% 0.0% 5.6% 0.0% 

4 6 Delta Bolívar 7.90% 10.10% 0.0% 0.0% 0.0% 

1 13 BBV Banco Ganadero 

S.A. 7.64% 13.86% 8.52% 0.0% 0.8% 1.1% 

1 7 Bancolombia S.A. 7.63% 10.79% 29.95% 0.0% 0.0% 6.0% 

4 68 Leasing Pacífico 7.62% 7.35% 0.0% 0.0% 0.0% 

4 84 Leasing Bogotá S.A 

CFC 6.85% 9.24% 0.0% 0.0% 0.0% 

2 29 Corporación Financ. 

del Transp. 6.34% 9.40% 50.17% 0.0% 0.0% 10.5% 

1 35 Interbanco 6.30% 8.58% 1.16% 0.0% 0.0% 0.0% 

4 87 Leasing de Crédito 

S.A. 5.94% 6.41% 0.0% 0.0% 0.0% 

4 17 Comercia 5.64% 12.98% 0.03% 0.0% 0.6% 0.0% 

4 108 La Regional 5.22% 4.31% 0.0% 0.0% 0.0% 

1 23 Occidente 4.99% 7.63% 0.00% 0.0% 0.0% 0.0% 

4 23 Serfinanza 4.69% 7.80% 0.0% 0.0% 0.0% 

1 1 Banco de Bogotá 4.25% 6.38% 1.49% 0.0% 0.0% 0.0% 

4 5 Finamerica 4.13% 6.58% 0.0% 0.0% 0.0% 

4 102 Compartir S.A. 3.41% 7.23% 0.0% 0.0% 0.0% 

4 76 Suleasing S.A. 3.37% 9.68% 2.45% 0.0% 0.0% 0.0% 

1 6 Banco Santander 3.04% 12.82% 0.00% 0.0% 0.6% 0.0% 

1 42 Red Multibanca 

Colpatria S.A. 2.98% 2.76% 3.38% 0.0% 0.0% 0.0% 

1 29 Tequendama S.A. 2.95% 4.95% 3.47% 0.0% 0.0% 0.0% 

1 14 Crédito 2.88% 4.94% 0.0% 0.0% 0.0% 

1 12 Sudameris 

Colombia 2.75% 10.06% 5.55% 0.0% 0.0% 0.0% 

4 74 Leasing Citibank 

S.A. 2.13% 0.00% 0.0% 0.0% 0.0% 

2 18 Corfinsura 2.08% 0.09% 0.0% 0.0% 0.0% 

4 31 GMAC. Colombia 1.42% 12.83% 0.0% 0.6% 0.0% 

1 8 ABN AMRO Bank 

(Colombia) S.A. 1.13% 9.53% 0.29% 0.0% 0.0% 0.0% 

1 9 Citibank 1.04% 9.79% 0.0% 0.0% 0.0% 

1 22 Unión Colombiano 0.59% 2.28% 0.00% 0.0% 0.0% 0.0% 

1 28 Mercantil de Colombia 

S.A. 0.17% 2.97% 2.87% 0.0% 0.0% 0.0% 

1 26 Bank of América 

Colombia 0.02% 0.00% 0.00% 0.0% 0.0% 0.0% 

1 36 Bankboston S.A. 0.00% 0.00% 0.00% 0.0% 0.0% 0.0% 

2 39 ING Barings 0.00% 0.00% 0.00% 0.0% 0.0% 0.0% 

4 8 Orión 0.00% 3.11% 0.0% 0.0% 0.0% 

4 109 Newcourt Leasing 

Colombia S.A. 

CFC 0.00% 0.00% 0.0% 0.0% 0.0% 

Promedio de la totalidad interm. financ. 14.30% 13.09% 7.34% 

Desv. estándar de la totalidad interm. financ. 14.06% 13.87% 10.79% 

0.9 desv. est. de la totalidad interm. financ. 12.65% 12.49% 9.71% 

Límite superior 26.96% 25.57% 17.05% 

Límite inferior 1.65% 0.60% -2.37% 

Nuevo promedio 10.80% 9.92% 3.70% 

Nuevo desv. estándar 6.16% 5.07% 4.41% 

Provisiones adicionales a partir

del coeficiente: 13.88% 12.45% 5.90% 

Notas:

Entran en el cálculo del nuevo promedio:

Deben efectuar provisiones adicionales

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