gestión de banca personal

8/16/2019 Gestión de Banca Personal

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GESTIN DE BANCA PERSONAL UPC O

T M T A 1 G B P. E M G B

P.

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P , .

2


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3


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A M D T A, : C I B P.

.E : , , , , / / , , , , , , , .

4


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E .E

B P. A, .

A , .

5


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P , I:

S I / , .E , , .E :1) / ,

2) 3) 4) , ; 5)

6


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E 1: C

7


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8


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L I F . H

B P. T .

9


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I F

L .

P : S/. 1000,000 10%, S/. 100,000

10


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G F

L .

P , S/. 500,000 5%, S/. 25,000

11


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M F (S %)

E I F .

T :

S S/. 100,000 = S/. 25,000 , S/. 75,000

12


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L I (INOF)

L I (INOF) I .

P : C , P / .

13


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G

G , , .

P : P , IP, .

14


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L P .

P : P .

15


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M C

E C INOF .

16


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G I

L G I , , .

S .

P , , , .

17


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U

U .

18


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L (UAI)

L .

19


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U (UN)

L (UAI) .

20


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U IFI.

P

E , .

L

.

E .

21


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E , . D ,

B.

M , , , .

E , B.

22


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E ,

,.

(, ,) . L B.

23


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P .

D , :

.E: G B C.

.E: G C.

. E: .

, . E:G P.

B . E: G G.

:

S , , :

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A .

P , , ,

S ,

.

24


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F, . E 3 :

ROE (ROE) R

o R

o ROE = UN / P ()

ROA (ROA) R

o R

o ROA = UN / A ()

EA (EA)

o R

25


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26


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27


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28


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29


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C 2: I G B P

30


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31


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()

E .

E : , ( ), (

), , .

P , BBA 2008 :

32


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I .A C (P): E 20% 80%

?.P INOF.P .

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( )

E .P : 5,500 ( + )

30,000 M S = 5500/30000 100% = 18.3%.

E : , + + + .

L P M .E , .A : S, C, I U, P S

P R.

34


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P G P . L

PDM .

P : E P, BCP BCP 2010 :

35


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P P T (, ,)

C .

M S C N.

P : E 1,500 5,000.

S C N = 1500 / 6,500 100% = 23%.

M , .

L , , , .

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S , , +1.

N : C ?,C 90% S/. 100?, , , 3 ?

N +1.

L .

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()

T D = 1 (C+1/ C)

T D = 1 T RP : L 2,300

50 T D = 1 (2250/2300) = 2.2%T D = 50/2300 = 2.2%

L / .

E , , , /.

P , C .

38


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E .

M = 1 / .P : S 2.2% . M = 1 / 2.2% = 45.5 .E , 1000 22 , 45.5 .

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40


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P : L Q 1,200 , 5 .

L 1200 60 72,000 .L 1/ M, 1/60, 1.667%.D 5 72,000 72000 1.667%,

1200 .L Q 72,000

.

P :E D

M .

41


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( )

E S .

E .

P : E , , ,

, .S ,

.

42


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E .

P :E % PEA .E % .

U .

43


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E , :o C : :

• C .

• R .

• O (, )

o C F:

.• S .• P

.• P.

L .C .E ,

.

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S

.U ARPU (AR P U).B .P , US$ 300 ARPU US$ 30 ,

10 .

45


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E .

R I P C (ARPU), M C C

A.

E C () C ( ).

U D T A N(AN).

46


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()

C .P .T ( ).E

.

47


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48


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49


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50


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51


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53


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