Spreadsheet: 0d337604-ded8-4ff0-b57b-229232b8bf87
Sheet: Sheet1

Unnamed: 0 | Unnamed: 1 | Unnamed: 2 | Unnamed: 3 | Unnamed: 4 | Unnamed: 5 | Unnamed: 6 | Unnamed: 7 | Unnamed: 8 | Unnamed: 9 | Unnamed: 10 | Unnamed: 11 | Unnamed: 12 | Unnamed: 13 | Unnamed: 14 | Unnamed: 15 | Unnamed: 16 | Unnamed: 17 | Unnamed: 18 | Unnamed: 19 | Unnamed: 20 | Unnamed: 21 | Unnamed: 22 | Unnamed: 23 | Unnamed: 24 | Unnamed: 25 | Unnamed: 26 | Unnamed: 27 | Unnamed: 28 | Unnamed: 29 | Unnamed: 30 | Unnamed: 31 | Unnamed: 32 | Unnamed: 33 | Unnamed: 34 | Unnamed: 35 | Unnamed: 36 | Unnamed: 37 | Unnamed: 38 | Unnamed: 39 | Unnamed: 40
 | DINERS CLUB DEL ECUADOR - INDICADORES FINANCIEROS METODO CAMEL*
 |  | JULIO | AGOSTO | SEPTIEMBRE | ENERO /10. | FEBRERO/10. | MARZO/10. | ABRIL/10. | MAYO/10. | JUNIO/10. | JULIO/10. | AGOSTO/10. | SEPTIEMBRE/10. | OCTUBRE/10. | NOVIEMBRE/10. | DICIEMBRE/10. | ENERO/11. | FEBRERO/11. | MARZO/11. | [NAME]. | MAYO/11. | [NAME]. | JULIO/11. | AGOSTO/11. | SEPTIEMBRE/11. | [NAME]. | NOVIEMBRE/11. | DICIEMBRE/11. | ENERO/12. | FEBRERO/12. | MARZO/12. | ABRIL/12. | MAYO/12. | JUNIO/12. | [NAME]. | [NAME]. | SEPTIEMBRE/12. | OCTUBRE/12. | [NAME]. | DICIEMBRE/12.
 | 1. CAPITAL
 | 1.1 Cobertura Patrimonial de Activos | -9.579691422419714 | -10.48636828326267 | 50.49748395628262 | -68.91726673216895 | 445.7805169345807 | -122.3926781451965 | -16.34986934367119 | -8.318632539135633 | -7.466017666715935 | -7.673944880032271 | -6.398900467343226 | -14.93662856547189 | -14.58039346597766 | -11.40715316737393 | -19.94955683563202 | -28.32804393259127 | -72.32784624704375 | -16.23314781333658 | -11.28528496069441 | -9.54555574103329 | -8.266790798026427 | -9.244362787436561 | -9.065061332309343 | -10.79693834811303 | -11.62402851437841 | 58.47299520736117 | -15.80973930603897 | -25.42026614861649 | -276.275285534609 | -11.87867710109805 | -9.751754722490498 | -8.312860153093965 | -7.335408026112277 | -21.40704309590952 | -35.03719387605307 | -32.28915704598421 | -114.1456878864066 | 89.6363599260783 | 135.9446136103664
 | 1.2 Solvencia | 0.2051151575017786 | 0.1981593459345231 | 0.1827923794109844 | 0.1793530420164914 | 0.1861985534854027 | 0.190199235755832 | 0.1940351288299454 | 0.1952172745970565 | 0.1977 | 0.1948597403532923 | 0.1903962198623983 | 0.1854736126647083 | 0.1868149623613411 | 0.1894379146838797 | 0.1739420359937313 | 0.1726551380337443 | 0.1777912866194084 | 0.1834634675747416 | 0.1853573834738469 | 0.1898535807109091 | 0.1912676763588952 | 0.1909622273334212 | 0.1871462148126927 | 0.1752519723152048 | 0.1793915078224459 | 0.1663276394995113 | 0.1645610819800249 | 0.1654255955592714 | 0.1722305317589665 | 0.1711639095803934 | 0.1787073623014416 | 0.1797643960653336 | 0.1850587456554607 | 0.1861283962937382 | 0.1816672248137996 | 0.1807804720365117 | 0.1737192097137565 | 0.1746961524745035 | 0.1651939703854856
 | 1.3 [NAME] vs. [NAME] | 0.3468753044494474 | 0.3731906122683436 | 0.3340482206856349 | 0.3703787480358057 | 0.3945511480974532 | 0.2568869946679254 | 0.2788989415421583 | 0.2641578666807976 | 0.2912976090080541 | 0.3108910384552092 | 0.3438969136340592 | 0.4161279715015624 | 0.4453668610560009 | 0.4677121829076189 | 0.3528351207901859 | 0.3818364454779856 | 0.4090355713153556 | 0.2911203320826681 | 0.3212113773667075 | 0.345856938637689 | 0.3687663366359402 | 0.4057119885243996 | 0.4435266039254959 | 0.4009480281790091 | 0.4428143187251299 | 0.3765202603536349 | 0.341923980681719 | 0.3710198203953265 | 0.4044163625015996 | 0.310248101022703 | 0.3399580563920024 | 0.3436389859665756 | 0.3754610743996487 | 0.4164767361800329 | 0.4491633135994394 | 0.465950411252621 | 0.4938342529889905 | 0.5217879251921824 | 0.4618635525644645
 | 2. CALIDAD DE ACTIVOS
 | 2.1 Morosidad Bruta Total | 0.06712974535899727 | 0.06233874456648369 | 0.05908466076821556 | 0.05419153532719273 | 0.06489817270713014 | 0.06245675893292012 | 0.05893219863381113 | 0.055811762755492 | 0.0541196621763522 | 0.05258739307133799 | 0.04880431320698079 | 0.04710124397495454 | 0.04642981901108172 | 0.04662030645203719 | 0.0429987989018446 | 0.04203638688249888 | 0.04836361705285349 | 0.0479311142432892 | 0.04623669412675033 | 0.04567149674510636 | 0.04458622853713083 | 0.04449119973832216 | 0.04215592073661418 | 0.04154249465077593 | 0.04332385859512785 | 0.04600748610197594 | 0.04053400900329216 | 0.04233543632222297 | 0.05274192018951458 | 0.04840447976133232 | 0.04797771159902648 | 0.04734485991261458 | 0.04680166158215344 | 0.04681490527484258 | 0.04617544054976354 | 0.04821642503464778 | 0.0519509436113017 | 0.05302659099300606 | 0.04840153848342129
 | 2.2 Morosidad Cartera Comercial | 0.01936986361662383 | 0.02638326860521857 | 0.02847735617376342 | 0.02235050371933249 | 0.02413909084259837 | 0.02694635819607634 | 0.02405273683199108 | 0.020921156995311 | 0.01956515215175208 | 0.0203262089451116 | 0.01889810922455158 | 0.0206058399296278 | 0.01759252359202446 | 0.01653941691422317 | 0.01949009263922744 | 0.01128846153995869 | 0.0122071325085802 | 0.009082552039186387 | 0.008317937028181658 | 0.008449090404856486 | 0.007761321927590656 | 0.006707383231870245 | 0.009093051952825098 | 0.01073166271889838 | 0.00897349338635477 | 0.01099754385581592 | 0.01251897891307204 | 0.006459355063850872 | 0.008945681908946148 | 0.009133624211942038 | 0.01331012515907464 | 0.00827547831819495 | 0.01117027126270567 | 0.01071122855016688 | 0.007390079635349121 | 0.01166804551787072 | 0.01202697148876242 | 0.009260086021086104 | 0.009251836119019502
 | 2.3 [NAME] | 0.06862829808776819 | 0.06340064983042826 | 0.05995681812753732 | 0.05519332794047789 | 0.06618998508139473 | 0.06360488036400827 | 0.06005328151372875 | 0.05695057822036984 | 0.0553322878900513 | 0.0538253997689408 | 0.049916955867612 | 0.04811610521714028 | 0.04758098026317446 | 0.0477964263972904 | 0.04420762343602012 | 0.04357005281223718 | 0.05020011049841982 | 0.04986030240693815 | 0.04807414954110397 | 0.04748089644034462 | 0.04642267836395358 | 0.0463426559671577 | 0.04367495157489736 | 0.04295651710995255 | 0.04487770974273646 | 0.04766513601886697 | 0.04236638858697006 | 0.04462474902066414 | 0.05552038483822997 | 0.05073345306758246 | 0.05004166533418312 | 0.04967781742462679 | 0.04893852767999548 | 0.0489420411161244 | 0.04838856562804218 | 0.05031312917995585 | 0.05430441920029677 | 0.05570537753463051 | 0.05166530907600136
 | 2.4 Morosidad Cartera de Vivienda | 0 | 0 | 0 | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe
 | 2.5 [NAME] | 0 | 0 | 0 | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe | no existe
 | 2.6 Provisiones / Cartera de Crédito Improductiva | 1.941797767775069 | 2.026044358793849 | 2.087054522198917 | 2.178062069751046 | 1.85968006910943 | 1.928238429107027 | 2.027097601456028 | 2.103327423944434 | 2.143863489218469 | 2.188580452288662 | 2.258882737055437 | 2.27062937155316 | 2.292986480919099 | 2.277548285669003 | 2.420863624191988 | 2.4234991665425 | 2.129842387648544 | 2.146583852224281 | 2.20439257149366 | 2.234174844738832 | 2.262444543292575 | 2.238223841070904 | 2.294552027174756 | 2.285782837380869 | 2.199701820737907 | 2.075914356001179 | 2.346232349626862 | 2.246306828823728 | 1.88665200473642 | 2.054731905776499 | 2.112766971179874 | 2.153363178933276 | 2.18248615025534 | 2.127916585057472 | 2.036828083547781 | 1.902529732539358 | 1.780984464525417 | 1.680614363944212 | 1.736683096313519
 | 3. MANEJO ADMINMISTRATIVO
 | 3.1 Activos Productivos / Pasivos con Costo  (Activos Netos ) | 2.005552801645712 | 2.071676781153704 | 2.157411045081755 | 2.125372507887036 | 2.084914074584803 | 2.081628208137276 | 1.996230327073339 | 1.978658242097596 | 1.954801262404328 | 1.949391335812324 | 2.04793603019932 | 1.997653778923591 | 1.924734621004728 | 1.948212404684092 | 1.966362273419021 | 1.921474550864225 | 1.892887001507225 | 1.866707795972531 | 1.856329357180682 | 1.815878013270915 | 1.936127893689402 | 1.972749980138582 | 2.049436332007631 | 2.00783387244524 | 2.034916235465669 | 1.926982889122505 | 1.894353925497745 | 1.908018699392876 | 1.852655186802953 | 1.823694721816108 | 1.868312796445328 | 1.849860429420959 | 1.824620460606533 | 1.853152403150488 | 1.897919201282274 | 1.892753010817092 | 1.91641896368408 | 1.902133768521956 | 1.911487121351076
 | 3.2 [NAME]    (G.Oper. / [NAME] neto.) | 0.6385171145293952 | 0.6387618550116059 | 0.6344162700557299 | 0.5624923593757202 | 0.6018825307936095 | 0.6397308038068843 | 0.6351701516868007 | 0.6293861095617496 | 0.6504176775118419 | 0.654177773475226 | 0.6531848998723606 | 0.6544447678501338 | 0.6541133023292999 | 0.6525012800889713 | 0.7015869542488948 | 0.653497582824249 | 0.6481517465733238 | 0.6384547642501818 | 0.643653473926567 | 0.6506687860314304 | 0.6744603756596952 | 0.6769317222824353 | 0.6723306106250735 | 0.6512558107972976 | 0.6460333397901669 | 0.654929541414949 | 0.6895772700254091 | 0.6624776541885461 | 0.6735106437574129 | 0.6909967285947943 | 0.7026582294190552 | 0.7009514306568041 | 0.6955717716311483 | 0.6806445046472535 | 0.6681387855203358 | 0.6774785541632605 | 0.6689406873397739 | 0.6673368279661137 | 0.7248164940615454
 | 3.3 Gastos de Personal / Activo Total Promedio | 0.01985484891383594 | 0.02044589492725414 | 0.02051030264763877 | 0.01854492411528529 | 0.01913835941525524 | 0.01928431658384731 | 0.01941456917450362 | 0.01923860686810503 | 0.01928257808532767 | 0.01996502516290612 | 0.01995551594125486 | 0.02236908370809372 | 0.0220668422160924 | 0.02176028620041598 | 0.02428398529956089 | 0.01931476627685503 | 0.01865642366880843 | 0.01932438107541298 | 0.01973282652929607 | 0.01978232868424774 | 0.02010544946723351 | 0.02087247026544643 | 0.02099682352671899 | 0.0210724274709814 | 0.02093262206394732 | 0.02077757206890742 | 0.0231047444455484 | 0.0182645189815025 | 0.01860197023735289 | 0.01966312917946313 | 0.02038608494319252 | 0.02091675996583752 | 0.02136887944474655 | 0.02183716686855493 | 0.02167055358745322 | 0.02153103025406386 | 0.02148731794332072 | 0.02185939291307112 | 0.02582158299796328
 | 3.4 Gastos Operativos / Activo Total Promedio | 0.09966043755484418 | 0.09963675348757649 | 0.1003040275733074 | 0.09403136217135205 | 0.09826730997035533 | 0.1054267659338317 | 0.1079757535588125 | 0.1071539738131681 | 0.1062241596767724 | 0.1064847173006572 | 0.105460673970434 | 0.1067599286271137 | 0.1058264711701398 | 0.1047238148285999 | 0.1101416586008703 | 0.1012704056525566 | 0.09793595282707028 | 0.09585555780031269 | 0.09694497649350463 | 0.09740430471193127 | 0.0970103272360495 | 0.09715821694536608 | 0.09646517723751118 | 0.097068331813419 | 0.09582107489961797 | 0.09575049997151391 | 0.09767131126844243 | 0.08915309880417305 | 0.08481458372992434 | 0.08913572163481173 | 0.09467595359779053 | 0.0951681761216756 | 0.09411198097120926 | 0.09471859098497848 | 0.094635324465283 | 0.09488148123446474 | 0.09367648521732734 | 0.09428979276147778 | 0.1076381010957106
 | 4. RENTABILIDAD
 | 4.1 Rendimiento Operativo sobre Activo - ROA | 0.04681138005072565 | 0.04562407528796416 | 0.04739637068833404 | 0.04328182865368908 | 0.04210246696517581 | 0.05382687215700858 | 0.05066605640445298 | 0.05145307305030832 | 0.05062388921156268 | 0.04858900434022976 | 0.04876032386744013 | 0.05223614589935573 | 0.05161428334878732 | 0.0497283674579329 | 0.03617511734335797 | 0.04232046866246185 | 0.04221568343912636 | 0.05304665875878568 | 0.0522859577212335 | 0.05057473410742897 | 0.0483577713839347 | 0.04724497391363611 | 0.04766740357479302 | 0.04569620400117159 | 0.04730781166056552 | 0.04630524395897904 | 0.03472199907366372 | 0.03518180422891071 | 0.04197461597230909 | 0.05254293712429694 | 0.05269012100108343 | 0.04622981119040828 | 0.04612638275512453 | 0.04700626141814266 | 0.04676448090990819 | 0.04407742561045253 | 0.04476101279833421 | 0.04441803138341366 | 0.02754535460212539
 | 4.2 Rendimiento sobre [NAME] | 0.291366849102285 | 0.2857476966541457 | 0.2991686538984385 | 0.2332341900186481 | 0.226932701421457 | 0.2942770425243936 | 0.2790217002834331 | 0.2885721380395413 | 0.2877629702803026 | 0.2790400955476629 | 0.2836831761005333 | 0.3087577484348225 | 0.3100941040952818 | 0.3038133954841103 | 0.2521726401236302 | 0.2425399183151914 | 0.2455964503538993 | 0.3140432046866544 | 0.3113943567116531 | 0.3029928514700166 | 0.2916773595087977 | 0.2870895829325771 | 0.2927198303588364 | 0.2852055927329877 | 0.3003030658212474 | 0.2985938120504547 | 0.2579272401434125 | 0.2088896796403098 | 0.2504054062332972 | 0.3178967952156685 | 0.3204581910968875 | 0.2834305288223691 | 0.2840954622891139 | 0.2909883976845402 | 0.2916045831024526 | 0.2769004260534141 | 0.2830698297832421 | 0.2828845397808958 | 0.1852745948937355
 | 5. LIQUIDEZ
 | 5.1 Fondos Disponibles / Total Depósitos Corto Plazo | 0.6246840520483868 | 0.6408728799513718 | 0.536479746221151 | 0.4738702813440468 | 0.5136343696535589 | 0.4383052626395829 | 0.4601314105621183 | 0.6076594207575526 | 0.5502320841589116 | 0.4386766207105551 | 0.4718738538520807 | 0.4365271479177775 | 0.520031915856137 | 0.6224134487339535 | 0.4254387664792859 | 0.5105825890459499 | 0.6047220275131353 | 0.5305350754402121 | 0.3628386790394566 | 0.4052019841509094 | 0.4687682426335636 | 0.4271459425381493 | 0.4322290206998959 | 0.3597630938764884 | 0.5097181193413615 | 0.3896962771116923 | 0.350782015765303 | 0.3349102377571663 | 0.4538207697031188 | 0.3393758940504444 | 0.3505613876335568 | 0.4227681633710682 | 0.4042892047494233 | 0.5131469203207516 | 0.3406846047447883 | 0.3027403522518219 | 0.3375367835804957 | 0.3271883536922038 | 0.4520991640168838
 | Elaboracion:  DINERS CLUB DEL ECUADOR
 | * Método CAMEL: capital, calidad de activos, [NAME] administrativo, rentabilidad y liquidez