REVISTA ACADÉMICA ECO

25

Tabla 5

Matriz de presión competitiva ejercida por emisión de créditos

 

1

2

3

4

5

6

7

8

9

10

11

12

13

14

15

16

17

18

1

 

8.15%

3.5

0%

6.57%

6.77%

7.45%

6.73%

0.00%

29.85%

3.70%

5.16%

5.96%

11.48%

3.41%

7.07%

6.12%

8.00%

3.28%

2

5.79%

 

2.51%

7.6

7%

5.73%

8.93%

9.47%

0.00%

3.89%

3.01%

4.8

2%

3.19%

4.34%

3.19%

7.5

0%

9.05%

12.05%

2.19%

3

3.44%

3.47%

 

3.06%

8.08%

3.56%

1.85%

0.00%

2.34%

14.51%

11.97%

12.7

5%

5.32%

14.47%

3.6

2%

2.60%

4.08%

16.54%

4

3.92%

6.43%

1.86%

 

3.40%

7.58%

10.6

7%

0.00%

4.57%

2.57%

2.52%

2.06%

4.52%

2.76%

8.73%

10.5

0%

5.58%

1.7

4%

5

6.2

5%

7.43%

7.58%

5.2

7%

 

6.28%

5.6

2%

0.00%

6.24%

7.19%

7.40%

12.53%

5.31%

7.2

2%

5.43%

5.6

5%

8.91%

7.83%

6

5.08%

8.57%

2.47%

8.6

7%

4.64%

 

9.90%

0.00%

4.81%

3.0

3%

3.94%

2.24%

4.64%

3.2

0%

8.04%

9.60%

8.97%

2.21%

7

3.80%

7.52%

1.06%

10.11%

3.44%

8.19%

 

0.00%

3.0

3%

1.90%

2.37%

1.15%

4.0

2%

2.1

3%

8.86%

10.92%

7.11%

0.86%

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

27.06%

4.96%

2.15%

6.96%

6.1

3%

6.39%

4.86%

0.00%

 

2.46%

3.77%

1.2

3%

24.06%

1.41%

8.2

2%

3.6

5%

0.89%

1.61%

10

3.51%

4.01%

13.99%

4.09%

7.39%

4.21%

3.19%

0.00%

2.58%

 

10.58%

11.0

3%

5.1

7%

12.69%

4.39%

3.80%

4.45%

14.28%

11

4.99%

6.56%

11.78%

4.09%

7.76%

5.60%

4.06%

0.00%

4.0

2%

10.80%

 

9.58%

5.33%

10.80%

4.68%

4.35%

7.89%

11.8

7%

12

5.00%

3.77%

10.89%

2.90%

11.40%

2.76%

1.71%

0.00%

1.14%

9.76%

8.31%

 

3.60%

9.7

5%

2.68%

2.35%

6.09%

12.44%

13

11.0

2%

5.86%

5.19%

7.28%

5.52%

6.53%

6.84%

0.00%

25.47%

5.24%

5.28%

4.12%

 

5.00%

7.31%

6.53%

4.6

5%

5.0

2%

14

3.16%

4.16%

13.64%

4.29%

7.2

5%

4.35%

3.5

0%

0.00%

1.44%

12.41%

10.35%

10.77%

4.83%

 

4.51%

4.09%

4.63%

13.92%

15

4.59%

6.84%

2.39%

9.5

0%

3.81%

7.6

5%

10.19%

0.00%

5.88%

3.00%

3.14%

2.07%

4.94%

3.16%

 

9.99%

6.2

5%

2.2

3%

16

3.48%

7.2

3%

1.5

0%

10.01%

3.48%

7.99%

10.99%

0.00%

2.28%

2.2

7%

2.55%

1.59%

3.86%

2.51%

8.7

5%

 

6.79%

1.33%

17

5.6

7%

12.0

2%

2.94%

6.64%

6.85%

9.33%

8.93%

0.00%

0.69%

3.32%

5.78%

5.15%

3.44%

3.54%

6.83%

8.49%

 

2.64%

18

3.2

3%

3.0

3%

16.55%

2.8

7%

8.35%

3.2

0%

1.49%

0.00%

1.7

5%

14.8

2%

12.07%

14.59%

5.15%

14.78%

3.38%

2.31%

3.6

7%

 

Fuente:

 elaboración propia. 

Superintendencia de Bancos de 

Guatemala.