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Cuadro 1 Banco Industrial. Evolución de la tasa de inter Mes Mayor Menor Jan-11 8.26% 10.38% Feb-11 8.15% 10.35% Mar-11 8.05% 10.30% Apr-11 8.07% 10.27% May-11 8.04% 10.20% Jun-11 7.96% 10.19% Jul-11 7.96% 10.07% Aug-11 7.96% 10.11% Sep-11 7.98% 10.06% Oct-11 7.97% 10.06% Nov-11 7.95% 10.03% Dec-11 7.95% 9.95% Jan-12 7.94% 9.94% Feb-12 7.92% 9.94% Mar-12 7.87% 9.94% Apr-12 7.83% 9.94% May-12 7.85% 9.89% Jun-12 7.84% 9.88% Jul-12 7.84% 9.87% Aug-12 7.76% 9.84% Sep-12 7.74% 9.83% Oct-12 7.72% 9.82% Nov-12 7.74% 9.80% Dec-12 7.69% 9.73% Fuente: Superintendencia de Bancos, 2012. Activos Individuales Retornos esperado 7.92% 10.02% Varianza 0.00% 0.00% Desviación estándar 0.14% 0.18% Proporciones 20.00% 20.00% Matriz de Covarianzas Mayor Menor Mayor Menor Consumo Microcrédito Hipotecario

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CarterasCuadro 1Banco Industrial. Evolucin de la tasa de inters segn tipo de crditoActivos%MesMayorMenorConsumoMicrocrditoHipotecarioMayor20.00%Jan-118.26%10.38%15.65%12.64%10.67%Menor20.00%Feb-118.15%10.35%15.60%12.83%10.62%Consumo20.00%Mar-118.05%10.30%15.64%13.02%10.56%Microcrdito20.00%Apr-118.07%10.27%15.65%13.28%10.53%Hipotecario20.00%May-118.04%10.20%15.71%13.77%10.47%100.00%Jun-117.96%10.19%15.73%14.25%10.40%Jul-117.96%10.07%15.69%18.36%10.34%Aug-117.96%10.11%15.70%19.20%10.30%Sep-117.98%10.06%15.70%18.88%10.29%Oct-117.97%10.06%15.71%19.23%10.25%Nov-117.95%10.03%15.75%19.29%10.22%Dec-117.95%9.95%15.73%19.07%10.19%Jan-127.94%9.94%15.72%19.10%10.20%Feb-127.92%9.94%15.65%19.04%10.14%Mar-127.87%9.94%15.57%19.15%10.11%Apr-127.83%9.94%15.57%19.10%10.07%May-127.85%9.89%15.58%19.13%10.03%Jun-127.84%9.88%15.62%19.33%9.98%Jul-127.84%9.87%15.64%19.49%9.94%Aug-127.76%9.84%15.59%19.69%9.92%Sep-127.74%9.83%15.53%19.87%9.87%Oct-127.72%9.82%15.53%20.01%9.86%Nov-127.74%9.80%15.59%20.56%9.83%Dec-127.69%9.73%15.54%20.77%9.74%Fuente: Superintendencia de Bancos, 2012.Activos IndividualesRetornos esperado7.92%10.02%15.64%17.88%10.19%Varianza0.00%0.00%0.00%0.07%0.00%Desviacin estndar0.14%0.18%0.07%2.70%0.26%Proporciones20.00%20.00%20.00%20.00%20.00%Matriz de CovarianzasMayorMenorConsumoMicrocrditoHipotecarioMayorMenorConsumoMicrocrditoHipotecarioMatriz de CorrelacionesMayorMenorConsumoMicrocrditoHipotecarioMayorMenorConsumoMicrocrditoHipotecario

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