ECONOMÍA

De Banco Cencosud a caja rural CAT Perú

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El banco canadiense Scotiabank empieza el año adquiriendo dos entidades bancarias. Por un lado, este cerró la compra del 97.4% de acciones del Banco Dominicano de Progreso (BDP). Por su lado, en el Perú, adquirió el 51% de las acciones del banco chileno Cencosud. Todo ello como parte de su estrategia de expansión y fortalecimiento en el mercado.

Entorno peruano

En el Perú, el Banco Cencosud, por ser parte del Banco Scotiabank, cambió su denominación a CAT Perú. Esta es una caja rural con una cartera de S/816 millones, cuya representación en el mercado será del 34.4%.

¿Pero a que se debió el cambio a caja rural?

Esto se explica a una regulación por parte de la SBS, entidad que indica que “un accionista mayoritario no puede tener más de una entidad financiera de la misma naturaleza”. Esto está escrito en el Artículo 53 de la Ley General del Sistema Financiero y del Sistema de Seguros y Orgánica de la SBS. Como sabemos, el Banco Scotiabank ya cuenta con una financiera CrediScotia, y la solución viable era convertirse en caja rural.

Cajas rurales en el Perú

Actualmente, el mercado peruano cuenta con 6 cajas rurales. Entre ellas destaca CRAC Raíz, con una participación del 50% en colocaciones de créditos directos. A continuación, se muestra la participación de mercado de esta clase de entidades financieras a febrero 2019:

Fuente SBS 2019

Si nos referimos al índice de morosidad de créditos de consumo, créditos que las cajas rurales y el ex Banco Cencosud colocan en común, tenemos que del promedio de los últimos 7 meses, el ex banco tuvo un índice de 5.77% versus un índice de 5.03% de CRAC Raíz, caja con mayor participación en el mercado (ver Gráfico 2).

 

Fuente SBS 2019

Sin embargo, pese a su misma denominación, no competirá directamente con las cajas rurales como Raíz, Los Andes y Prymera. Lo anterior a razón de que el enfoque de estas tres últimas cajas es otorgar préstamos a las pequeñas y microempresas. La Caja CAT Perú solo se queda con colocaciones en créditos de consumo, especialmente, en tarjetas de crédito para el público peruano.

Mariela Silva López
Economista de profesión. Pienso que la educación es la mejor herramienta para combatir todo mal económico. Converso de lo maravillosa que es la vida, la naturaleza, la playa, y confieso, que a todo le tomo foto.
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