Balance general

(USD MILES)

dic-23

dic-24

dic-25

abr-25

abr-26

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

265.37

1.0%

124.70

1.0%

225.19

1.5%

209.96

1.7%

260.05

1.6%

Inversiones

1,122.19

4.4%

7,583.45

58.7%

7,552.55

48.8%

7,495.30

59.6%

7,019.54

43.0%

Cartera de cr ditos

4,571.82

18.1%

3,244.75

25.1%

6,624.50

42.8%

3,042.76

24.2%

7,522.35

46.1%

Cuentas por cobrar

11,701.19

46.3%

1,291.73

10.0%

598.28

3.9%

1,152.38

9.2%

1,004.52

6.2%

Bienes realizables
adjudicados por pago

319.84

1.3%

199.90

1.5%

54.21

0.4%

159.92

1.3%

54.21

0.3%

Propiedades y equipos

396.06

1.6%

341.44

2.6%

315.58

2.0%

354.36

2.8%

292.83

1.8%

Otros Activos

6,922.34

27.4%

128.94

1.0%

116.58

0.8%

156.43

1.2%

171.04

1.0%

Total Activo

25,298.81

100.0%

12,914.91

100.0%

15,486.87

100.0%

12,571.10

100.0%

16,324.54

100.0%

Pasivo

Cuentas por Pagar

1,470.07

8.8%

1,269.75

31.3%

1,837.01

29.4%

1,218.39

31.2%

2,197.35

27.9%

Obligaciones Financieras

11,700.00

70.0%

1,930.00

47.6%

4,380.00

70.2%

2,500.00

64.0%

5,650.00

71.8%

Valores en Circulaci n

3,367.02

20.1%

668.78

16.5%

-

0.0%

-

0.0%

-

0.0%

Otros Pasivos

187.33

1.1%

187.33

4.6%

25.44

0.4%

187.33

4.8%

25.44

0.3%

Total Pasivo

16,724.41

100.0%

4,055.86

100.0%

6,242.44

100.0%

3,905.71

100.0%

7,872.79

100.0%

Capital Social

3,943.41

46.0%

3,943.41

44.5%

3,943.41

42.7%

3,943.41

45.5%

3,943.41

46.7%

Prima o Colocaciones de acciones

46.68

0.5%

46.68

0.5%

46.68

0.5%

46.68

0.5%

46.68

0.6%

Reservas

3,998.99

46.6%

3,998.99

45.1%

3,998.99

43.3%

3,998.99

46.1%

3,998.99

47.3%

Superavit por valuaciones

- 39.14

-0.5%

248.50

2.8%

137.25

1.5%

330.35

3.8%

103.76

1.2%

Resultados

35.48

0.4%

41.03

0.5%

41.03

0.4%

41.03

0.5%

41.03

0.5%

Resultado del Ejercicio

588.97

6.9%

580.44

6.6%

1,077.07

11.7%

304.94

3.5%

317.88

3.8%

Total Patrimonio

8,574.40

100.0%

8,859.05

100.0%

9,244.43

100.0%

8,665.39

100.0%

8,451.75

100.0%

Total Pasivo + Patrimonio

25,298.81

12,914.91

15,486.87

12,571.10

16,324.54

(USD MILES)

dic-23

dic-24

dic-25

abr-25

abr-26

(Acumulado)

(Acumulado)

USD

%

USD

%

USD

%

USD

%

USD

%

Intereses ganados

4,588.03

66.8%

1,497.01

27.1%

3,064.67

50.3%

433.75

29.1%

900.13

50.9%

Comisiones

-

-

-

-

-

Utilidades financieras

6.00

0.1%

2.00

0.0%

0.69

0.0%

-

0.0%

-

0.0%

Total Ingresos Financieros

4,594.03

66.9%

1,499.01

27.2%

3,065.35

50.3%

433.75

29.1%

900.13

50.9%

Intereses causados

1,278.59

18.6%

481.48

8.7%

277.97

4.6%

77.89

5.2%

100.33

5.7%

Comisiones causadas

39.55

0.6%

15.37

0.3%

13.08

0.2%

1.52

0.1%

8.28

0.5%

P rdidas Financieras

0.04

0.0%

520.94

9.4%

1.21

0.0%

0.00

0.0%

0.82

0.0%

Total Egreso Financiero

1,318.18

19.2%

1,017.79

18.5%

292.26

4.8%

79.41

5.3%

109.43

6.2%

Margen Financiero

3,275.85

47.7%

481.22

8.7%

2,773.09

45.5%

354.34

23.8%

790.70

44.7%

Ingresos ordinarios

-

0.0%

-

0.0%

-

0.0%

-

0.0%

-

0.0%

Ingreso por servicios

1,742.99

25.4%

2,051.05

37.2%

2,016.66

33.1%

680.89

45.7%

654.51

37.0%

Egresos de operaci n

2,267.58

33.0%

2,133.68

38.7%

2,189.10

35.9%

689.14

46.2%

657.55

37.2%

Margen Operacional

2,751.26

40.1%

398.59

7.2%

2,600.66

42.7%

346.09

23.2%

787.66

44.5%

Provisiones, depreciaciones

2,273.10

33.1%

1,299.42

23.6%

1,620.62

26.6%

232.20

15.6%

493.65

27.9%

Ingresos extraordinarios

532.49

7.8%

1,966.25

35.6%

1,011.34

16.6%

375.56

25.2%

213.41

12.1%

Egresos extraordinarios

39.00

0.6%

103.52

1.9%

227.61

3.7%

7.47

0.5%

5.79

0.3%

Utilidad antes de impuestos y participaciones

971.65

14.1%

961.90

17.4%

1,763.76

28.9%

481.99

32.3%

501.63

28.4%

Participaci n de los empleados

145.75

2.1%

144.28

2.6%

264.56

4.3%

72.30

4.9%

75.24

4.3%

Impuesto a la renta

236.93

3.4%

237.17

4.3%

422.13

6.9%

104.75

7.0%

108.51

6.1%

Utilidad Neta

588.97

8.6%

580.44

10.5%

1,077.07

17.7%

304.94

20.5%

317.88

18.0%

NDICES FINANCIEROS

dic-23

dic-24

dic-25

abr-25

abr-26

CAPITAL:

SOLVENCIA

36.99%

104.64%

103.60%

107.67%

88.35%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

19.70%

31.30%

19.53%

34.69%

15.27%

MOROSIDAD CARTERA VIVIENDA *

9.89%

31.30%

19.53%

34.69%

15.27%

COBERTURA DE LA CARTERA DE VIVIENDA

172.69%

134.64%

160.00%

127.22%

160.07%

COBERTURA DE LA CARTERA DE VIVIENDA*

179.61%

155.48%

160.00%

127.22%

160.07%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

46.23%

445.17%

354.57%

450.44%

286.30%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

91.96%

445.17%

354.57%

450.44%

286.30%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

83.20%

166.76%

70.25%

86.46%

70.55%

MARGEN FINANCIERO

GASTOS DE PERSONAL

5.09%

7.76%

8.23%

8.51%

7.41%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

9.52%

14.15%

14.95%

16.98%

13.77%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

2.37%

3.65%

6.95%

7.12%

6.21%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

7.38%

7.01%

13.19%

10.56%

10.85%

PATRIMONIO PROMEDIO

* Incluye cartera hipotecaria transferida al fideicomiso de titularizaci n que est en etapa de acumulaci n