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01 Tarjetas de Credito Retail
01 Tarjetas de Credito Retail
01 Tarjetas de Credito Retail
Promedios Trimestrales
Bancarias
Retail
T1 2010 5,057,363 5,030,426
T2 2010 4,767,622 5,125,704
T3 2010 4,957,718 5,117,283
T4 2010 5,234,515 5,931,143
T1 2011 5,314,286 4,833,909
T2 2011 5,909,247 5,004,971
T3 2011 6,434,639 4,765,964
T4 2011 6,726,554 5,431,504
T1 2012 6,809,462 4,775,726
T2 2012 6,084,962 4,805,352
T3 2012 6,273,221 4,533,126
T4 2012 6,474,023 5,161,615
T1 2013 6,312,822 4,854,826
T2 2013
4,462,481
T3 2013
T4 2013
1,685,788
1,589,207
1,652,573
1,744,838
1,771,429
1,969,749
2,144,880
2,242,185
2,269,821
2,028,321
2,158,008
2,104,274
2,104,274
T4 2013
Padron electoral
13,404,084
2012
Pob Economicamente Activa6,045,639
> 18 aos
Mayores de edad que no trabajan
7,358,445
Fuentes: Servel, Banco Mundial
Entre 15 y 19
1,424,361
7,358,445
TOTALES
T2
Presto
Otras
0
Millones de $
Ventas Utilidades
Falabella
4,832,818
467,672
Ripley
782,617
41,205
Cencosud
7,569,195
388,941
Walmart
2,604,483
113,904
Hites
227,512
12,292
ABCDIN
275,038
6,891
Patrimonio
TOTAL
7,651,371
Millones de $
Falabella
Ripley
Cencosud
######## 1,030,905
Ventas Utilidades
29.7%
4.8%
46.5%
45.4%
4.0%
37.7%
3,298,892
555,949
2,969,634
640,326
97,863
88,707
Patrimonio
43.1%
7.3%
38.8%
Rentabilidad
s/Ventas s/Patrimonio
9.7%
5.3%
5.1%
4.4%
5.4%
3%
14.2%
7.4%
13.1%
17.8%
12.6%
8%
5.4%
12.1%
Rentabilidad
s/Ventas s/Patrimonio
2.87%
0.25%
2.39%
4.21%
0.36%
6.09%
Walmart
Hites
ABCDIN
TOTAL
16.0%
1.4%
1.7%
11.0%
1.2%
0.7%
8.4%
1.3%
1.2%
0.70%
0.08%
0.04%
2.84%
0.18%
0.13%
6.33%
13.80%
5,000,000
4,000,000
3,000,000
2,000,000
1,000,000
Retail
18,000,000
16,000,000
14,000,000
12,000,000
10,000,000
8,000,000
6,000,000
4,000,000
2,000,000
T2 2013
T1 2013
Retail
T4 2012
T3 2012
T2 2012
T1 2012
T4 2011
T3 2011
T2 2011
T1 2011
T4 2010
T3 2010
T2 2010
0
Bancarias
T3 2012
Bancarias
T2 2012
T1 2012
T4 2011
T3 2011
T2 2011
T1 2011
T4 2010
T3 2010
T2 2010
T1 2010
T1 2010
6,000,000
2,000,000
1,500,000
1,000,000
500,000
Bancarias
Retail
70,000
60,000
50,000
40,000
30,000
20,000
10,000
T1
T2
T3
T4
T1
T2
T3
T4
T1
T2
T3
2010 2010 2010 2010 2011 2011 2011 2011 2012 2012 2012
Bancarias
Retail
Bancarias
Retail
Bancarias
24,905
83.4%
29,865
6,045,639
7,358,445
56,552
235,375
132,049
642,893
4.69%
19.51%
10.95%
53.30%
Bancos
ABCDIN
Cencosud
RIPLEY
Falabella
181,676
0.0610%
0.2537%
0.1423%
0.6929%
116.51
484.93
272.05
1,324.52
128,643
10,655
1,206,167
10.67% Presto
0.88% Otras
1.29%
0.1387%
0.0115%
265.04
21.95
1.3000%
2,485
ABCDIN
0.0610%
Cencosud
0.2537%
RIPLEY
0.1423%
Banca
Falabella
0.6929%
Retail Financiero2,463.05
Presto
0.1387%
Otras
181,676
21.95
Promedio Ponderado
s/Ventas
s/Patrimonio
Promedio Ponderado
s/Ventas
s/Patrimonio
Otras
0.0115%
Total
1.3000%
Millones de $
CMR
Ventas
Rentabilidad
Utilidades Patrimonio
Ventas
280,457
95,150
288,211
33.9%
Presto
Invers y Tarjetas 79,539
21,966
39,367
27.6%
Retail
T2 2013
T1 2013
T4 2012
T3 2012
58%
T3 2011
T2 2011
T1 2011
T4 2010
T3 2010
T2 2010
T1 2010
Bancarias
3,451
2,485
Bancarias Retail
42%
T3 2012
T2 2012
T1 2012
T4 2011
Retail
5,935
T2 2013
T1 2013
T4 2012
2,500,000
2,000,000
1,500,000
1,000,000
500,000
Bancarias
Retail
3,451
58.1%
5,935
T3
T4
T1
2012 2012 2013
Tarjetas Utilizadas
4,775,726
32%
2,485
41.9%
Tarjetas Utilizadas
Retail
4,960
16.6%
Bancarias
Retail
1,324.52
265.04
ABCDIN
Cencosud
21.95
116.51
RIPLEY
Falabella
Presto
Otras
484.93
272.05
Patrimonio
33.0%
55.8%
Bancarias
Retail
Bancarias
Retail
ABCDIN
Cencosud
RIPLEY
Falabella
Presto
Otras
Stock de Deuda
Cifras en Millones de Pesos
Bancarias
T1 2010 1,499,815
T2 2010 1,544,705
T3 2010 1,637,309
T4 2010 1,833,359
T1 2011 1,980,035
T2 2011 2,024,603
T3 2011 2,107,634
T4 2011 2,255,629
T1 2012 2,334,980
T2 2012 2,350,231
T3 2012 2,424,389
T4 2012 2,598,050
T1 2013 2,750,073
T2 2013
T3 2013
Retail
88.50%
90.30%
91.20%
91.90%
92.50%
93.20%
92.80%
92.70%
91.80%
91.70%
91.40%
91.90%
91.50%
Stock de Deuda
Cifras en US$
Retail
2,628,753
2,672,206
2,711,229
2,962,390
2,204,827
2,261,981
2,255,296
2,462,253
2,407,558
2,354,277
2,288,747
2,401,261
2,388,770
2,356,187
T/C
523.16
536.67
493.93
474.78
479.65
469.41
483.69
517.17
485.4
505.63
Bancarias
T1 2010
T2 2010
T3 2010
T4 2010
T1 2011
T2 2011
T3 2011
T4 2011
T1 2012
T2 2012
T3 2012
T4 2012
T1 2013
T2 2013
T3 2013
T4 2013
T4 2013
Monto de crditos otorgados con tarjetas (al da y morosos) Monto de crditos otorgados con tarje
Cifras en Millones de Pesos
Cifras en Millones de US$
Bancarias
Retail
T/C
Bancarias
T1 2010 1,499,815 2,628,753
523.16
T1 2010
2,867
T2 2010 1,544,705 2,672,206
536.67
T2 2010
2,878
T3 2010 1,637,309 2,711,229
493.93
T3 2010
3,315
T4 2010 1,833,359 2,962,390
474.78
T4 2010
3,861
T1 2011 1,980,035 2,204,827
479.65
T1 2011
4,128
T2 2011 2,024,603 2,261,981
469.41
T2 2011
4,313
T3 2011 2,107,634 2,255,296
483.69
T3 2011
4,357
T4 2011 2,255,629 2,462,253
517.17
T4 2011
4,361
T1 2012 2,334,980 2,407,558
485.4
T1 2012
4,810
T2 2012 2,350,231 2,354,277
505.63
T2 2012
4,648
T3 2012 2,424,389
T3 2012
T4 2012 2,598,050
T4 2012
T1 2013 2,750,073
T1 2013
T2 2013
T2 2013
T3 2013
T3 2013
T4 2013
T4 2013
14.00%
12.00%
10.00%
8.00%
6.00%
4.00%
2.00%
0.00%
Bancarias
Retail
3,500,000
3,000,000
2,500,000
2,000,000
1,500,000
1,000,000
500,000
Retail
Bancarias
Retail
600,000
Retail
500,000
400,000
300,000
200,000
100,000
T1 T2 T3 T4 T1 T2 T3 T4 T1 T2 T3 T4
2010 2010 2010 2010 2011 2011 2011 2011 2012 2012 2012 2012
Bancarias
7,000
Retail
6,000
5,000
4,000
3,000
2,000
1,000
Bancarias
Retail
T1 2010T2 2010T3 2010T4 2010T1 2011T2 2011T3 2011T4 2011
T4 T1 T2
2012 2013 2013
Retail
T4 2011T1 2012T2 2012
http://www.sbif.cl/sbifweb/servlet/InfoFinanciera?indice=4.1&idCategoria=2129&tipocont=2132
Marca
T1
ABC Inversiones Ltda.
110,390
Car S.A.
6,491,444
Cencosud Administradora de Tarjetas S.A.
7,006,563
Comercializadora y Administradora de Tarjetas Extra S.A.
4,523
Consorcio Tarjetas de Crditos S.A.
18,718
Crditos Organizacin y Finanzas S.A. (Cofisa S.A.)
827,928
Efectivo S.A.
982,549
Inversiones SCG S.A.
2,367,482
Promotora CMR Falabella S.A.
20,512,232
Servicios y Administracin de Crditos Comerciales Presto S.A.8,300,497
Total general
46,622,326
T3
7,382
145,035
222,810
16
411
45,037
13,551
353,438
493,145
149,404
1,430,228
Emisor
Marca
T4
119,258
7,847,650
10,017,546
617
17,842
1,351,864
913,569
3,090,822
23,513,309
8,381,057
55,253,534
T4
8,452
173,548
302,049
5
490
63,260
19,697
249,757
601,186
157,328
1,575,772
Tarjeta ABC
Tarjeta DIN y ABCDIN
Jumbo
Ms Easy
Ms Paris
Tur Bus Card
T1 2010
2,628,753
Cartera
16,249,029
N Tarjetas
Tarj con Operaciones5,030,426
T1 2010
Deuda Promedio
523
con tarjetas no b
56,000,000
54,000,000
1,800,000
1,600,000
1,400,000
1,200,000
1,000,000
800,000
600,000
400,000
52,000,000
50,000,000
48,000,000
46,000,000
44,000,000
400,000
200,000
-
44,000,000
42,000,000
T1 2010
T2 2010
T3 2010
T4 2010
T1 2011
T2 2011
T3 2011
T4 2011
T1 2012
T2 2012
T1
2010
T2
2010
Nmero de Operacione
Millones de Pesos
T1
89,791
6,991,472
8,135,170
81
16,412
1,104,949
729,382
22,155,847
7,884,534
47,107,638
T4
82,748
7,735,370
9,707,615
15,946
1,335,838
753,797
27,316,248
8,038,233
54,985,795
201,336,972
T3
5,087
133,708
241,994
341
53,393
T4
6,745
177,809
308,508
398
71,223
619,465
159,815
1,213,803
681,797
165,350
1,411,830
T1
56,546
6,562,154
7,890,662
14,570
1,083,138
562,189
25,585,102
7,179,460
48,933,821
2405212
T2
Nmero de op
T4
T1
T3
T4
ABCDIN
Cencosud
RIPLEY
Falabella
Presto
Otras
T2
2672206
16,070,590
5,125,704
T2
521
T3
2711229
16,015,310
5,117,283
T3
530
T4
2962390
16,111,811
5,931,143
T4
499
T1 2011
2204827
14,089,928
4,833,909
T1 2011
456
T2
2261981
14,469,565
5,004,971
T2
452
4308
254854
140295
613577
125591
1266587
T3
2255296
14,560,633
4,765,964
T3
473
T4
2462253
14,677,037
5,431,504
T4
453
T1 2012
2407558
14,719,378
4,775,726
T1 2012
504
T2
2354277
14,468,030
4,805,352
T2
490
T2
2010
T3
2010
T4
2010
T1
2011
T2
2011
T3
2011
T4
2011
T1
2012
T2
1012
T4
T3
T4
T3
T3
#DIV/0!
#DIV/0!
T4
T1 2013
T4
T1 2013
#DIV/0!
T2
T3
T2
#DIV/0!
T4
T3
#DIV/0!
T4
#DIV/0!
Evolucin de la mora de los crditos originados por emisores no bancarios de tarjetas de crditos segn Emisor
2010
Al da
T1
T2
T3
Promotora CMR Falabella S.A.
88.10%
90.80%
92.00%
Administradora TMO S.A.
90.40%
89.80%
89.20%
Cencosud Administradora de Tarjetas S.A.
88.50%
89.90%
90.90%
Servicios y Administracin de Crditos Comerciales Presto S.A.81.30%
85.30%
89.60%
Car S.A.
95.20%
96.30%
95.80%
ABC Inversiones Ltda.
88.70%
90.40%
91.90%
Crditos Organizacin y Finanzas S.A. (Cofisa S.A.)
87.00%
88.00%
88.20%
Inversiones SCG S.A. (*)
89.00%
89.70%
89.50%
Consorcio Tarjetas de Crditos S.A.
91.70%
93.00%
94.10%
Promedio
88.88%
90.36%
91.24%
Evolucin de la mora de los crditos originados por emisores no bancarios de tarjetas de crditos segn marca de la tarjeta
Marzo y Junio 2011 (2)
Fuente: SBIF
Emisor
Total Morosos
T1
Promotora CMR Falabella S.A.
11.90%
Administradora TMO S.A.
9.60%
Cencosud Administradora de Tarjetas S.A.
11.50%
Servicios y Administracin de Crditos Comerciales Presto S.A.18.70%
Car S.A.
4.80%
ABC Inversiones Ltda.
11.30%
Crditos Organizacin y Finanzas S.A. (Cofisa S.A.)
13.00%
Inversiones SCG S.A. (*)
11.00%
Consorcio Tarjetas de Crditos S.A.
8.30%
Promedio
11.12%
2010
T2
9.20%
10.20%
10.10%
14.70%
3.70%
9.60%
12.00%
10.30%
7.00%
9.64%
T3
8.00%
10.80%
9.10%
10.40%
4.20%
8.10%
11.80%
10.50%
5.90%
8.76%
2011
T2
94.10%
91.80%
92.80%
92.10%
94.90%
93.10%
87.70%
Al da
T1
92.90%
90.70%
92.70%
91.20%
95.50%
92.60%
88.20%
96.20%
92.50%
T3
93.60%
91.20%
92.40%
91.40%
95.00%
93.00%
86.60%
-
T4
92.80%
90.80%
93.40%
91.90%
95.10%
93.70%
86.90%
-
Al da
T1
91.80%
86.30%
92.50%
91.90%
94.90%
93.00%
84.90%
2012
T2
91.56%
84.89%
92.25%
91.96%
95.06%
93.10%
84.15%
91.67%
96.60%
92.89%
97.10%
92.54%
97.20%
92.73%
97.10% 91.80%
2011
T2
5.90%
8.20%
7.20%
7.90%
5.10%
6.90%
12.30%
0
3.40%
6.32%
T3
6.40%
8.80%
7.60%
8.60%
5.00%
7.00%
13.40%
0
2.90%
6.63%
T4
7.20%
9.20%
6.60%
8.10%
4.90%
6.30%
13.10%
0
2.80%
6.47%
Total Morosos
T1
8.20%
13.70%
7.50%
8.10%
5.10%
7.00%
15.10%
0
2.90% 8.20%
T3
T4
T3
T4
T4
7.10%
9.10%
6.90%
10.70%
5.30%
6.80%
10.30%
9.90%
4.60%
7.86%
Total Morosos
T1
7.10%
9.30%
7.30%
8.80%
4.50%
7.40%
11.80%
0
3.80%
6.67%
2012
T2
8.44%
15.11%
7.75%
8.04%
4.94%
6.90%
15.85%
0
8.33%
93.00%
92.00%
91.00%
90.00%
89.00%
88.00%
87.00%
86.00%
T1
2010
T2
2010
T3
2010
T4
2010
T1
2011
T2
2011
T3
2011
T4
2011
T1
2012
T2
2012
10.00%
8.00%
6.00%
6.00%
4.00%
2.00%
0.00%
T1
2010
T2
2010
T3
2010
T4
2010
T1
2011
T2
2010
T3
2011
T4
2011
T1
2012
T2
2012
Marzo 2012
Emisor
ABC Inversiones Ltda.
Crditos Organizacin y Finanzas S.A. (Cofisa S.A.)
Total ABC Inversiones Ltda. y Cofisa S.A.
Cencosud Administradora de Tarjetas S.A.
Marzo 2012
Emisor
ABC Inversiones Ltda.
Car S.A.
Cencosud Administradora de Tarjetas S.A.
Marca
Tarjeta ABC
Tarjeta DIN y ABCDIN
Marca
Tarjeta ABC
Tarjeta DIN
Jumbo
Ms Easy
Ms Paris
Cencosud
Ripley
Visa Consorcio
Johnsons Multiopcin
1,000,484
Tarjeta La Polar
CMR Falabella
Visa Promotora CMR Falabella
3,875,937
1,827,178
5,703,302
1,378,115
106,286
155,452
611,262
859,803
1,129,819
1,989,647
409,232
Tarjetas vigentes
Comercializadora y Administradora de Tarjetas Extra S.A. (*)
Extra
Inversiones SCG S.A. (**)
Johnsons
ABC Inversiones Ltda.
ABC
Consorcio Tarjetas de Crditos S.A.
DIN
Crditos Organizacin y Finanzas S.A. (Cofisa S.A.)
Presto
Servicios y Administracin de Crditos Comerciales PrestoConsorcio
S.A.
Administradora TMO
Ripley
Car S.A.
Cencosud
Cencosud Administradora de Tarjetas S.A.
CMR Falabella
Promotora CMR Falabella S.A
2,702,280
1,000,484
138,204
1,067,787
1,378,115
11,298
2,702,280
2,717,854
5,703,302
17,421,604
Extra
Johnsons
DIN
Presto
Consorcio
Ripley
ABC
Cencosud
CMR Falabella
on operaciones
on operaciones
Extra
Tarjetas Vigentes a Marzo 2012
Johnsons
CMR
Falabella
ABC
DIN
Cencosud
Presto
Ripley
Consorcio
Johnsons
CMR
Falabella
DIN
5,590,352
Presto
Consorcio
Ripley
Cencosud
ABC