Inicio Análisis & Opinión Caja Sullana pasa por mal momento, al mes de abril 2018

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

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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.

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