REVISTA ACADÉMICA ECO
23
Tabla 4
Matriz de presión competitiva recibida por emisión de créditos
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
1
0.41%
4.19%
21.93%
27.83%
3.04%
3.81%
0.00%
0.03%
0.62%
2.19%
0.54%
7.22%
2.09%
10.30%
11.97%
0.42%
0.47%
2
1.25%
3.00%
25.58%
23.53%
3.64%
5.36%
0.00%
0.00%
0.50%
2.05%
0.29%
2.73%
1.95%
10.94%
17.71%
0.63%
0.31%
3
0.74%
0.18%
10.21%
33.20%
1.45%
1.05%
0.00%
0.00%
2.42%
5.08%
1.16%
3.34%
8.86%
5.28%
5.08%
0.21%
2.38%
4
0.84%
0.33%
2.22%
13.99%
3.09%
6.04%
0.00%
0.01%
0.43%
1.07%
0.19%
2.84%
1.69%
12.72%
20.55%
0.29%
0.25%
5
1.35%
0.38%
9.08%
17.59%
2.56%
3.18%
0.00%
0.01%
1.20%
3.14%
1.14%
3.34%
4.42%
7.91%
11.05%
0.46%
1.12%
6
1.09%
0.43%
2.95%
28.92%
19.07%
5.60%
0.00%
0.01%
0.51%
1.67%
0.20%
2.91%
1.96%
11.72%
18.78%
0.47%
0.32%
7
0.82%
0.38%
1.27%
33.71%
14.12%
3.34%
0.00%
0.00%
0.32%
1.00%
0.10%
2.53%
1.30%
12.92%
21.37%
0.37%
0.12%
8
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
9
5.83%
0.25%
2.58%
23.21%
25.19%
2.61%
2.75%
0.00%
0.41%
1.60%
0.11%
15.12%
0.86%
11.98%
7.14%
0.05%
0.23%
10
0.76%
0.20%
16.75%
13.65%
30.36%
1.72%
1.81%
0.00%
0.00%
4.49%
1.00%
3.25%
7.77%
6.40%
7.43%
0.23%
2.05%
11
1.07%
0.33%
14.11%
13.63%
31.90%
2.28%
2.29%
0.00%
0.00%
1.80%
0.87%
3.35%
6.62%
6.82%
8.51%
0.41%
1.71%
12
1.08%
0.19%
13.04%
9.67%
46.83%
1.12%
0.97%
0.00%
0.00%
1.63%
3.53%
2.27%
5.97%
3.91%
4.60%
0.32%
1.79%
13
2.37%
0.30%
6.22%
24.28%
22.68%
2.66%
3.87%
0.00%
0.03%
0.87%
2.24%
0.38%
3.06%
10.65%
12.77%
0.24%
0.72%
14
0.68%
0.21%
16.33%
14.31%
29.79%
1.77%
1.98%
0.00%
0.00%
2.07%
4.39%
0.98%
3.04%
6.58%
8.01%
0.24%
2.00%
15
0.99%
0.35%
2.86%
31.68%
15.68%
3.12%
5.76%
0.00%
0.01%
0.50%
1.33%
0.19%
3.10%
1.93%
19.54%
0.32%
0.32%
16
0.75%
0.37%
1.80%
33.38%
14.28%
3.26%
6.22%
0.00%
0.00%
0.38%
1.08%
0.14%
2.43%
1.54%
12.75%
0.35%
0.19%
17
1.22%
0.61%
3.52%
22.14%
28.14%
3.80%
5.05%
0.00%
0.00%
0.55%
2.45%
0.47%
2.16%
2.17%
9.96%
16.60%
0.38%
18
0.69%
0.15%
19.82%
9.58%
34.31%
1.30%
0.84%
0.00%
0.00%
2.47%
5.12%
1.33%
3.24%
9.05%
4.93%
4.51%
0.19%
Nota:
los
datos
indican
la
presión
competitiva
que
los
bancos
en
las
columnas
ejercen
sobre
los
bancos
en
las
filas.
La
presión
competitiva
que
cada
banco
ejerce sobre el resto
de bancos
(el índice de
Chen
) se observa verticalmente,
mientras que la distribución
de la presión
competitiva que un
determinado banco recibe de todos los participantes del sistema se observa horizontalmente.
Fuente:
elaboración propia.
Superintendencia de Bancos de
Guatemala.