INACAP LA SERENA ADMINISTRACION
DE
EMPRESAS
MENSION FINANZAS
Empresa
TRABAJO DE INVESTIGACION: BANCOESTADO
1
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INDICE TEMATICO: INTRODUCCIÓN……………………………………………………………………….. 6
OBJETIVOS……………………………………………………………………………. 7 DESCRIPCIÓN DE EMPRESA………………………….…………………………… 8 1.- LA EMPRESA Y SU ENTORNO………………………………………………….. 10 1.1 La empresa desde su perspectiva jurídica……………………………… 10 1.1.1 Características legales de la sociedad………………………… 10 1.1.2 Estructura de la propiedad……………………………………… 11
1.1.3 Fecha de constitución y modificaciones jurídicas en el tiempo12 1.2 La empresa desde perspectiva administrativa………………………….. 15
1.2.1 Negocios………………………………………………………….. 15 1.2.2 Organigrama……………………………………………………… 16 1.2.3 Relaciones funcionales principales…………………………….. 17
1.2.4 Principales ejecutivos y sus funciones………………………… 19 1.3 El negocio desde la perspectiva del mercado………………………… .. 22
1.3.1 Productos y servicios principales………………………………. 22 1.3.2 Segmentos de mercado atendido……………………………… 25 1.3.3 Cobertura geográfica atendida………………………………… 26 2. LA EMPRESA Y SUS NUMEROS PRINCIPALES……………………………… . 27
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2.1.2 Principales activos y pasivos……………………………………30 2.1.3 Estructura de capital y financiamiento………………………… 31 2.1.4 Utilidades generales del último ejercicio contable…… ……... 36
2.1.5 Política de dividendo…………………………………………….. 37 2.1.6 Proyección de resultados para el actual ejercicio…… ……... 37 2.2 La empresa en números……………………………… números………………………………………….. …………..……... ……... 38 2.2.1 Números de empleados………………………………… ……... 38
2.2.2 Valor de las ventas…………………………………………….. 39 2.2.3 Numero de sucursales, cajeros bancarios, etc……….. ……... 40 2.2.4 Otros números relevantes…………………………………….. 41 2.3 La industria…………………………………………………………......... 42 2.3.1 Principales competidores……………………………………..
42
2.3.2 Características competitivas………………………………….. 43 2.3.3 Posicionamiento en la industria………………………………. 44 2.3.4 Argumentos para competir……………………………………. 45 CONCLUSIÓN…………………………………………………………………………. 46 LINCOGRAFÍA…………………………………………………………………………. 47 ANEXOS………………………………………………………………………… ANEXOS……………………………………… ……………………………………….. …….. 50 Anexo I………………………………………………………………………… I………………………………………… ……………………………….. .. 50
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INDICE DE GRÁFICO: Grafica I: Organigrama……………………………………………………….. 16 Grafica II: Comparación entre principales competidores del Banco……
45
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INDICE DE TABLA: Tabla 1: Activos circulantes, en estructura de balance…………… .. …….. 27 Tabla 2: Pasivo, en estructura de balance………………………………… 28
Tabla 3: Patrimonio, en estructura del balance…………………………… 29 Tabla 4: Total de pasivos y patrimonio, en estructura del balance...…….. 29 Tabla 5: Estructura de financiamiento……………………………………….. 31 Tabla 6: Estructura de capital…………………………………………………. 33
Tabla 7: Utilidades generales del último ejercicio contable………………. 36 Tabla 8: Números de empleados…………………………………………….. 38 Tabla 9: Valor de las ventas………………………………………………….. 39 Tabla 10: Números de agencias, sucursales……………………………… .. 40 Tabla 11: Clientes del Banco…………………………………………………. 41
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INTRODUCCIÓN
En el siguiente informe se presentará la indagación que se le efectúo a la Empresa BancoEstado, a través de diversos contenidos como co mo son: La empresa desde su perspectiva jurídica. En relación a esto se dará a conocer los aspectos legales y jurídicos de lo que conlleva la empresa. La empresa desde su perspectiva de administración. En este ámbito se abarca al tipo de negocio y además la distribución de roles que existen dentro de la empresa. El negocio desde la perspectiva de mercado. Principalmente trata sobre una visión distinta enfocada hacia los bienes y servicios que ofrece, además de mostrar la distribución de sus sucursales a lo largo del país. Con todos estos ítems se llevó a cabo el desarrollo de la investigación, acudiendo a fuentes de información fidedignas que aportaron una mayor comprensión, logrando así conocer en profundidad cada detalle de la empresa BancoEstado.
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OBJETIVOS
Enfocar una perspectiva de trabajo con el grupo, para así en conjunto realizar realizar el estudio y análisis de la empresa BancoEstado, todo esto con el objetivo de conocerla en profundidad, además de desarrollar los puntos necesarios que se requieren para el progreso de la investigación, acudiendo al proceso de aprendizaje y enfatizando todos los aspectos relevantes para el avance de la sociedad tratada.
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DESCRIPCIÓN DE LA EMPRESA
Razón social
: Banco del Estado de Chile
Nombre fantasía
:
BancoEstado
Rol Único Tributario
:
97.030.000-7
Dirección casa matriz : Avda. Liberador Bernardo O`Higgins Nº 1111, Santiago, Chile Sucursal IV Región
:
Balmaceda Nº 506, La Serena. Chile
Representante legal :
Pablo Piñera Echenique
Descripción
BancoEstado cumple un rol de banco estatal que apoya y se compromete con las políticas públicas y contribuye a que exista una mayor competencia en el sistema financiero. En la sociedad se caracteriza por su cercanía y relación de largo plazo con sus clientes; por entregar un servicio de calidad competitiva; por un compromiso con el fomento del emprendimiento y la
:
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Directorio
:
Presidente: Segismundo Schulin-Zeuthen Serrano Vicepresidente: Roberto Palumbo Ossa Consejeros: Juan Carlos Méndez González Jorge Rodríguez Grossi Gabriel Tomic Errázuriz Salvador Valdés Prieto Director Laboral Titular: Pablo Silva Manríquez Director Laboral Suplente: Ricardo Moreno Díaz
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1.
LA EMPRESA Y SU ENTORNO
1.1 La empresa desde su perspectiva jurídica
1.1.1 Características legales de la sociedad:
Banco del Estado de Chile es una empresa autónoma del Estado de Chile, con personalidad jurídica y patrimonio propio, de duración indefinida con Rol Único Tributario número 97.030.000-7 se encuentra sometida exclusivamente a la fiscalización de la Superintendencia de Bancos e Instituciones Financieras que se relaciona con el gobierno a través del Ministerio de Hacienda. Rige sus negocios y operaciones por la Ley Orgánica del Banco del Estado de Chile (D.L.2.079), publicada el día 18 de Enero de 1978 y en lo no previsto a ella se deberá regir por la legislación bancaria aplicable a las instituciones financieras y otras disposiciones que rigen para el sector privado. Se encuentra ubicado en la ciudad de Santiago de Chile y su casa matriz se domicilia en Avda. Liberador Bernardo O`Higgins Nº 1111, Santiago. Esta institución tiene por objeto prestar servicios servicios bancarios y financieros con el fin
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BancoEstado practica practica su balance general el día 31 de diciembre diciembre de cada año, consultando las correcciones monetarias, provisiones, castigos y demás ajustes que correspondan de acuerdo con las normas impartidas por la Superintendencia de Bancos e Instituciones Financieras ,el cual luego se publica en el Diario Oficial y así el Presidente de la República, previo informe de la Superintendencia de Bancos e Instituciones Financieras y del Consejo Directivo del Banco, destina el todo o parte de las utilidades netas a beneficio fiscal. La dirección superior del Banco corresponderá a un Consejo de siete miembros y administrado por el Comité Ejecutivo y sus antecedentes financieros a 29 de Febrero del 2012, es que cuenta con un capital pagado y reservas de 1.036.976.0.
1.1.2 Estructura de propiedad:
Pertenece en un 100% al Fisco de Chile. Su patrimonio no está dividido en acciones, sino que está conformado por un aporte de capital único expresado en pesos chilenos.
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1.1.3 Fecha de constitución y modificaciones jurídicas en el tiempo:
Los primeros pasos:
Creación de la Caja de Crédito
Creación de la Caja de Ahorro de Santiago
Creación de la Caja Nacional de Ahorro
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NACE BANCOESTADO:
Constitución: 1 de Septiembre de 1953. El Banco del Estado de Chile tuvo su origen con la fusión de la Caja Nacional de Ahorros, la Caja de Crédito Agrario, la Caja de Crédito Hipotecario y el Instituto de Crédito Industrial, siendo publicado el 24 de julio de 1953, inicio sus operaciones el 1 de septiembre de ese año. Fundación del Banco del Estado de Chile
Promulgación de la Ley Orgánica Constitución del Banco del Estado (Decreto Ley Nº 2.070)
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Se integran las redes de Cajeros
Se crea ServiEstado
Apertura de Sucursal en Nueva York. Cumple 150 años al servicio del País
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1.2 La empresa desde su perspectiva administrativa: administrativa: 1.2.1 Negocios: El Banco por ser una entidad financiera su su negocio es la Captación y Colocación:
Captación: Es el dinero que el Banco recibe de los clientes en forma de depósito, obligándose a pagar por el una tasa de interés (excepto en depósito a la vista), que se clasifica según el plazo convenido (corto, mediano y largo plazo). Las captaciones que el BancoEstado dispone: Cuentas de ahorro/ Cuentas corrientes/Emisión de letras Hipotecarias/ Depósitos comerciales (a plazo) / Fondos Mutuos. Colocaciones: Es el dinero recibido a través través de la captación del banco, la cual permite otorguen prestamos o créditos. Estos prestamos pueden diferenciarse por áreas: crédito hipotecario, de consumo, para empresas, etc., sin embargo, todos están afecto al pago de interés convenido entre las partes.
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1.2.2 Organigrama: CONCEJO DIRECTIVO:
Presidente: Segismundo Schulin- Zeuthen Vicepresidente: Roberto Palumbo Ossa Concejeros: Juan Carlos Mendez Gonzales Gabriel Tomic Errazuriz Salvador Valdes Prieto Director laboral Titular: Pablo Silva Manriquez Director Laboral Suplente: Ricardo Moreno Diaz
COMITE EJECUTIVO: Presidente: Segismundo SchulinZeuthen Vicepresidente: Roberto Palumbo Ossa Gerente general ejecutivo:
COMITÉ DE AUDITORIA: Presidente: Juan Carlos Mendez Gonzalez Integrantes: Robero Palumbo Ossa Jorge Rodrigrez Grossi Patricio Meller Bock Guillermo Ramirez Vilardell
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GERENTE GENERAL COMERCIAL DE CREDITOS:
GERENTE GENERAL DE FINANZAS:
Arnoldo Courard
Carlos
GERENTE GENERAL ADMINISTRACION:
Victoria Martínez
GERENTE CORPOTATIVO DE RIESGO: Eduardo De Las Heras
Grafica 1.- Organigrama
1.2.3 Relaciones funcionales principales: Dentro de las Funciones principales de la empresa se encuentran:
GERENTE OPERACIONES Y SISTEMAS:
Fernando León
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Responsable de optimizar la rentabilidad de BancoEstado y de las filiales bajo su dependencia, con el objeto de maximizar maximizar los recursos generados para financiar el crecimiento de la empresa.
Gerencia corporativa de riesgo La principal Misión de la Gerencia Corporativa de Riesgos es contribuir a la
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1.2.4 Principales ejecutivos y sus funciones:
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El Vicepresidente es funcionario de la confianza exclusiva del Presidente de la República y sus funciones son. *Subrogar al Presidente en caso de ausencia, vacancia o cualquiera otra causa que impida a éste desempeñar el cargo, sin que sea necesario acreditarlo ante terceros.
Director Consejo Directivo
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Director Consejo Directivo Jorge Rodríguez Grossi
Director laboral Pablo Silva Manríquez
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Cuenta corriente: La cuenta corriente es un instrumento financiero que permite a las personas y empresas, depositar su dinero y retirarlo cuando lo necesiten, mediante órdenes de pago. Estas son lo que conocemos con el
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contingencia determinada, como accidentes, desastres naturales, robos, incendios, etc.
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fondos, consultas de saldos, actualización de libretas de ahorro, obtener comprobantes de pagos de créditos.
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Banca personas: Esta Esta institución se encuentra muy atomizada en el segmento C2-C3 y cuenta con el mayor número de clientes del sistema. Banca Financiera: Esta banca es de gran importancia importancia en la entidad, entidad, dada su alta alta
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