Caja Sullana pasa por mal momento, al mes de abril 2018

21
4107
Caja Sullana

POR: DR. JAVIER FLORES AROCUTIPA

El caso es que al mes de abril la Caja Sullana tiene ingresos financieros por 187 millones de soles y sus gastos financieros es de 55 millones de soles.

En ese sentido el margen financiero bruto resulta en 132 millones de soles. si el margen es 132 millones de soles ¿porque tiene perdidas de casi 9 millones de soles?, ocurre que tiene una provisión para créditos directos por 82 millones de soles.

¿Por qué provisiones? ¿hay temor que esos créditos no sea devueltos?

Según la definición del Banco Central de reserva del Perú el concepto Provisiones de la Cartera de Créditos, Corresponde a las provisiones constituidas sobre los créditos directos.

Es la cuenta que ajusta el valor de la cartera de créditos en función de la clasificación de riesgo del deudor, el tipo de crédito y las garantías que lo respaldan.

Entonces nuestra deducción consiste en que la Caja ha considerado que hay dinero en riesgo que se debe provisionar para no perjudicar a los clientes.

Este monto de 82 millones afecta al margen operacional dado que se reduce a 63 millones de soles que si descontamos los gastos administrativos que llega a 68 millones de soles esto nos lleva al déficit de los 9 millones de soles.

La razón entonces es el riesgo y cuidado de los recursos internos y por ello la provisión de los créditos de la Caja Sullana.

21 Comentarios

  1. Wonderful goods from you, man. I’ve understand your stuff previous to
    and you’re just too great. I actually like what you
    have acquired here, really like what you’re stating and
    the way in which you say it. You make it entertaining and you
    still take care of to keep it wise. I can’t wait to read much more
    from you. This is actually a tremendous site.

  2. Unquestionably imagine that that you said. Your favourite reason appeared to be at the net the simplest factor
    to consider of. I say to you, I certainly get irked whilst
    other people think about concerns that they plainly do not realize about.

    You controlled to hit the nail upon the highest
    and also outlined out the whole thing with no need side-effects
    , other folks can take a signal. Will probably be back to get
    more. Thank you

  3. I blog quite often and I truly thank you for your information. This article has truly peaked my interest.

    I will bookmark your website and keep checking for new information about once a
    week. I opted in for your Feed as well.

  4. Greetings from Florida! I’m bored to tears at work so I decided to browse your blog on my
    iphone during lunch break. I enjoy the info you provide here and can’t wait to take
    a look when I get home. I’m surprised at how fast your blog loaded on my mobile
    .. I’m not even using WIFI, just 3G .. Anyways, fantastic blog!

  5. Wonderful beat ! I wish to apprentice whilst you amend your site, how could i subscribe for
    a blog web site? The account helped me a appropriate deal.
    I had been tiny bit acquainted of this your broadcast offered vibrant clear concept

  6. 去旅行度假著咩鞋?陳凱琳去峇里度假著的就是這對復刻版波鞋! Marie Claire (HK) Edition 最近街頭運動熱潮直捲全城,剛與鄭嘉穎完婚的 Grace 陳凱琳婚後繼續於峇里渡假,亦跟潮流著瑞士奢華品牌 Bally推出的復刻版波鞋,更選擇 Super Smash系列網球情侶鞋款與鄭嘉穎一同放閃。

  7. I am really enjoying the theme/design of your website.
    Do you ever run into any browser compatibility issues?
    A few of my blog visitors have complained about my blog not
    operating correctly in Explorer but looks great in Chrome.

    Do you have any suggestions to help fix this issue?

  8. It is the best time to make a few plans for the longer term and it
    is time to be happy. I’ve read this post and if I may just I wish to recommend you some attention-grabbing things or tips.
    Perhaps you could write subsequent articles relating to this article.
    I wish to learn more things approximately it!

  9. An impressive share! I’ve just forwarded this onto a colleague who had been conducting a
    little research on this. And he in fact ordered me lunch
    due to the fact that I stumbled upon it for him… lol. So allow
    me to reword this…. Thanks for the meal!! But yeah,
    thanx for spending the time to discuss this issue here
    on your blog.

  10. Excellent post. I was checking continuously this blog and I am impressed!
    Extremely useful info particularly the last part 🙂 I care for such information much.
    I was seeking this particular info for a long time. Thank you and
    best of luck.

  11. When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added
    I get three e-mails with the same comment. Is there any
    way you can remove people from that service? Cheers!

Dejar respuesta

Please enter your comment!
Please enter your name here