Dossier Analítico de Alta Dirección
Corte: Junio 2026
Informe Ejecutivo: Cartera de Préstamos y Convenios SBS
Radiografía integral del mercado crediticio no revolvente en el Perú: colocaciones, banca de consumo, créditos por convenio (descuento por planilla), micro y pequeña empresa, calidad de cartera y análisis multidimensional.
Saldo Total de Cartera
S/ 269,559.24 M
11,812,913 Operaciones de Crédito
Capítulo 1
Panorama Macroeconómico de la Cartera de Préstamos
Saldo Total
S/ 269,559.24 M
Titulares Únicos
7,884,858
Ticket Promedio
S/ 22,819
Calidad Normal
86.89%
Capítulo 2
Estructura por Tipo de Crédito SBS & Créditos por Convenio
| Segmento SBS / Modalidad | Saldo Colocado (S/.) | Cuota % | Préstamos | Ticket Promedio | % Normal | % Pesada |
|---|---|---|---|---|---|---|
| Gran Empresa | S/ 93,611,532,460.00 | 34.73% | 8,765 | S/ 10,680,152 | 94.67% | 2.52% |
| Pequeña Empresa | S/ 86,100,579,748.00 | 31.94% | 1,772,783 | S/ 48,568 | 84.56% | 13.44% |
| Consumo & Convenios | S/ 53,737,905,246.00 | 19.94% | 6,793,099 | S/ 7,911 | 90.30% | 7.11% |
| Mediana Empresa | S/ 18,395,099,294.00 | 6.82% | 26,738 | S/ 687,976 | 66.50% | 29.50% |
| Microempresa | S/ 10,368,874,170.00 | 3.85% | 3,210,171 | S/ 3,230 | 83.14% | 14.90% |
| Sector Público / Institucional | S/ 5,549,805,746.00 | 2.06% | 123 | S/ 45,120,372 | 32.15% | 67.85% |
| Otros Préstamos | S/ 1,614,151,103.00 | 0.60% | 27 | S/ 59,783,374 | 99.72% | 0.27% |
| Hipotecario en Préstamos | S/ 181,287,365.00 | 0.07% | 1,207 | S/ 150,197 | 0.00% | 99.76% |
Capítulo 3
Ranking Institucional y Liderazgo de Mercado (Top 10)
| # | Entidad Financiera | Tipo Institución | Saldo (S/.) | Cuota % | Préstamos | Titulares | Ticket Promedio | % Normal | % Pesada |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BANCO DE CREDITO DEL PERÚ | Banca Múltiple | S/ 76,265,490,575.00 | 28.29% | 3,521,521 | 3,347,843 | S/ 21,657 | 92.54% | 4.90% |
| 2 | BANCO BBVA PERÚ | Banca Múltiple | S/ 37,816,772,086.00 | 14.03% | 256,760 | 205,895 | S/ 147,285 | 91.69% | 6.00% |
| 3 | SCOTIABANK PERU S.A.A. | Otras Entidades | S/ 23,113,361,958.00 | 8.57% | 136,412 | 114,908 | S/ 169,438 | 87.09% | 11.08% |
| 4 | BANCO INTERNACIONAL DEL PERÚ | Banca Múltiple | S/ 20,985,717,037.00 | 7.79% | 162,816 | 140,881 | S/ 128,892 | 94.35% | 3.19% |
| 5 | BANCO DE LA NACION | Banca Múltiple | S/ 14,860,570,027.00 | 5.51% | 616,229 | 611,669 | S/ 24,115 | 67.24% | 30.05% |
| 6 | MIBANCO BANCO DE LA MICRO EMPRESA S.A. | Banca Múltiple | S/ 14,221,138,365.00 | 5.28% | 1,032,350 | 961,622 | S/ 13,776 | 93.59% | 5.19% |
| 7 | CAJA MUNICIPAL DE AHORRO Y CREDITO DE AREQUIPA | Cajas Municipales | S/ 9,027,618,677.00 | 3.35% | 635,497 | 610,763 | S/ 14,206 | 89.64% | 7.28% |
| 8 | CAJA MUNICIPAL DE AHORRO Y CREDITO HUANCAYO | Cajas Municipales | S/ 8,885,710,067.00 | 3.30% | 673,219 | 650,238 | S/ 13,199 | 92.25% | 5.86% |
| 9 | BANCO INTERAMERICANO DE FINANZAS | Banca Múltiple | S/ 6,585,685,083.00 | 2.44% | 48,398 | 45,514 | S/ 136,073 | 89.98% | 6.16% |
| 10 | CAJA MUNICIPAL DE AHORRO Y CREDITO PIURA | Cajas Municipales | S/ 5,972,363,036.00 | 2.22% | 433,131 | 395,158 | S/ 13,789 | 88.50% | 9.51% |
Capítulo 4
Radiografía de Calidad Crediticia, Cartera Pesada y Mora
Cartera Normal (Cat. 0)
86.89%
Cumplimiento puntual
Cartera Pesada (Cat. 2, 3, 4)
10.64%
Deficiente, Dudoso y Pérdida
Cartera Vencida (CV)
3.21%
Judicial: 3.67%
Capítulo 5
Desglose Territorial: Regiones y Distritos de Mayor Colocación
| # | Departamento | Préstamos | Saldo (S/.) | % Cuota |
|---|---|---|---|---|
| 1 | NO ESPECIFICADO | 382,282 | S/ 150,708,610,139.00 | 55.91% |
| 2 | LIMA | 3,462,359 | S/ 39,831,910,842.00 | 14.78% |
| 3 | AREQUIPA | 689,797 | S/ 9,373,594,432.00 | 3.48% |
| 4 | LA LIBERTAD | 711,568 | S/ 6,415,245,111.00 | 2.38% |
| 5 | CUSCO | 480,625 | S/ 6,329,190,554.00 | 2.35% |
| 6 | JUNIN | 516,078 | S/ 5,836,465,281.00 | 2.17% |
| 7 | PIURA | 854,436 | S/ 5,635,844,263.00 | 2.09% |
| 8 | PUNO | 419,511 | S/ 5,014,814,119.00 | 1.86% |
| 9 | LAMBAYEQUE | 577,737 | S/ 4,610,573,469.00 | 1.71% |
| 10 | CAJAMARCA | 432,169 | S/ 4,491,656,213.00 | 1.67% |
| # | Distrito | Depto | Préstamos | Saldo (S/.) | % Cuota |
|---|---|---|---|---|---|
| 1 | NO ESPECIFICADO | NO ESPECIFICADO | 381,596 | S/ 150,642,785,521.00 | 55.88% |
| 2 | SANTIAGO DE SURCO | LIMA | 101,506 | S/ 3,044,065,059.00 | 1.13% |
| 3 | SAN JUAN DE LURIGANCHO | LIMA | 358,839 | S/ 3,036,708,346.00 | 1.13% |
| 4 | ATE | LIMA | 222,536 | S/ 2,166,396,393.00 | 0.80% |
| 5 | LA MOLINA | LIMA | 50,056 | S/ 1,877,115,658.00 | 0.70% |
| 6 | SAN MARTIN DE PORRES | LIMA | 208,225 | S/ 1,809,184,888.00 | 0.67% |
| 7 | TRUJILLO | LA LIBERTAD | 137,820 | S/ 1,640,629,247.00 | 0.61% |
| 8 | MIRAFLORES | LIMA | 33,263 | S/ 1,609,859,820.00 | 0.60% |
| 9 | SAN ISIDRO | LIMA | 17,838 | S/ 1,595,997,654.00 | 0.59% |
| 10 | COMAS | LIMA | 184,306 | S/ 1,397,604,986.00 | 0.52% |
| 11 | JULIACA | PUNO | 109,691 | S/ 1,373,806,412.00 | 0.51% |
| 12 | CHICLAYO | LAMBAYEQUE | 140,104 | S/ 1,356,909,482.00 | 0.50% |
| 13 | VILLA EL SALVADOR | LIMA | 169,097 | S/ 1,321,372,496.00 | 0.49% |
| 14 | SAN BORJA | LIMA | 33,438 | S/ 1,274,745,248.00 | 0.47% |
| 15 | LOS OLIVOS | LIMA | 120,476 | S/ 1,238,808,822.00 | 0.46% |
Capítulos 6, 7 y 8
Estratificación por Tramos de Monto & Multibancarización
Estratificación por Tramos de Saldo
| Tramo de Monto | Préstamos | % Ops | Saldo (S/.) | % Saldo |
|---|---|---|---|---|
| Hasta S/. 2,500 | 6,309,933 | 53.4% | S/ 5,043,868,722.00 | 1.9% |
| S/. 2,501 - S/. 10,000 | 2,820,902 | 23.9% | S/ 14,785,864,467.00 | 5.5% |
| S/. 10,001 - S/. 30,000 | 1,517,074 | 12.8% | S/ 26,957,120,638.00 | 10.0% |
| S/. 30,001 - S/. 75,000 | 782,582 | 6.6% | S/ 36,572,918,276.00 | 13.6% |
| S/. 75,001 - S/. 200,000 | 289,156 | 2.4% | S/ 32,080,575,037.00 | 11.9% |
| Más de S/. 200,000 | 93,266 | 0.8% | S/ 154,118,887,992.00 | 57.2% |
Matriz de Multibancarización
| Número de Préstamos | Titulares | % Titulares | Saldo (S/.) | Deuda Promedio |
|---|---|---|---|---|
| 1 Préstamo | 5,311,295 | 67.4% | S/ 55,407,691,517.00 | S/ 10,432.05 |
| 2 Préstamos | 1,751,769 | 22.2% | S/ 37,083,559,700.00 | S/ 21,169.21 |
| 3 Préstamos | 589,182 | 7.5% | S/ 18,217,944,297.00 | S/ 30,920.74 |
| 4 a 5 Préstamos | 221,059 | 2.8% | S/ 8,742,135,954.00 | S/ 39,546.62 |
| Más de 5 Préstamos | 11,553 | 0.1% | S/ 662,856,591.00 | S/ 57,375.28 |