Balance general

(USD MILES)

dic-22

dic-23

dic-24

oct-24

oct-25

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

157.89

0.7%

265.37

1.0%

124.70

1.0%

139.51

1.0%

288.10

2.0%

Inversiones

1,901.61

8.1%

1,122.19

4.4%

7,583.45

58.7%

8,078.33

56.8%

7,364.46

50.5%

Cartera de cr ditos

12,409.04

52.8%

4,571.82

18.1%

3,244.75

25.1%

3,791.19

26.7%

5,665.65

38.9%

Cuentas por cobrar

3,184.88

13.6%

11,701.19

46.3%

1,291.73

10.0%

1,381.33

9.7%

597.47

4.1%

Bienes realizables
adjudicados por pago

359.82

1.5%

319.84

1.3%

199.90

1.5%

219.89

1.5%

-

0.0%

Propiedades y equipos

446.24

1.9%

396.06

1.6%

341.44

2.6%

352.39

2.5%

328.42

2.3%

Otros Activos

5,025.21

21.4%

6,922.34

27.4%

128.94

1.0%

254.80

1.8%

324.95

2.2%

Total Activo

23,484.69

100.0%

25,298.81

100.0%

12,914.91

100.0%

14,217.44

100.0%

14,569.04

100.0%

Pasivo

Cuentas por Pagar

1,826.56

12.8%

1,470.07

8.8%

1,269.75

31.3%

1,497.42

32.5%

1,795.56

33.9%

Obligaciones Financieras

6,200.00

43.3%

11,700.00

70.0%

1,930.00

47.6%

1,590.00

34.5%

3,500.00

66.1%

Valores en Circulaci n

6,102.60

42.6%

3,367.02

20.1%

668.78

16.5%

1,338.33

29.0%

-

0.0%

Otros Pasivos

187.33

1.3%

187.33

1.1%

187.33

4.6%

187.33

4.1%

-

0.0%

Total Pasivo

14,316.49

100.0%

16,724.41

100.0%

4,055.86

100.0%

4,613.08

100.0%

5,295.56

100.0%

Capital Social

3,943.41

43.0%

3,943.41

46.0%

3,943.41

44.5%

3,943.41

41.1%

3,943.41

42.5%

Prima o Colocaciones de acciones

46.68

0.5%

46.68

0.5%

46.68

0.5%

46.68

0.5%

46.68

0.5%

Reservas

3,995.64

43.6%

3,998.99

46.6%

3,998.99

45.1%

3,998.99

41.6%

3,998.99

43.1%

Superavit por valuaciones

- 55.17

-0.6%

- 39.14

-0.5%

248.50

2.8%

218.92

2.3%

199.17

2.1%

Resultados

29.94

0.3%

35.48

0.4%

41.03

0.5%

624.46

6.5%

41.03

0.4%

Resultado del Ejercicio

1,207.69

13.2%

588.97

6.9%

580.44

6.6%

771.90

8.0%

1,044.20

11.3%

Total Patrimonio

9,168.20

100.0%

8,574.40

100.0%

8,859.05

100.0%

9,604.36

100.0%

9,273.48

100.0%

Total Pasivo + Patrimonio

23,484.69

25,298.81

12,914.91

14,217.44

14,569.04

(USD MILES)

dic-22

dic-23

dic-24

oct-24

oct-25

(Acumulado)

(Acumulado)

USD

%

USD

%

USD

%

USD

%

USD

%

Intereses ganados

2,753.41

54.1%

4,588.03

66.8%

1,497.01

27.1%

1,262.88

26.4%

2,793.48

51.7%

Comisiones

-

-

-

-

-

Utilidades financieras

-

0.0%

6.00

0.1%

2.00

0.0%

2.00

0.0%

0.69

0.0%

Total Ingresos Financieros

2,753.41

54.1%

4,594.03

66.9%

1,499.01

27.2%

1,264.89

26.4%

2,794.16

51.7%

Intereses causados

711.36

14.0%

1,278.59

18.6%

481.48

8.7%

428.14

8.9%

225.43

4.2%

Comisiones causadas

80.04

1.6%

39.55

0.6%

15.37

0.3%

14.16

0.3%

10.79

0.2%

P rdidas Financieras

0.07

0.0%

0.04

0.0%

520.94

9.4%

520.94

10.9%

1.21

0.0%

Total Egreso Financiero

791.47

15.6%

1,318.18

19.2%

1,017.79

18.5%

963.24

20.1%

237.43

4.4%

Margen Financiero

1,961.94

38.6%

3,275.85

47.7%

481.22

8.7%

301.65

6.3%

2,556.74

47.4%

Ingresos ordinarios

-

0.0%

-

0.0%

-

0.0%

-

0.0%

-

0.0%

Ingreso por servicios

1,888.27

37.1%

1,742.99

25.4%

2,051.05

37.2%

1,697.80

35.5%

1,673.78

31.0%

Egresos de operaci n

2,210.53

43.5%

2,267.58

33.0%

2,133.68

38.7%

1,697.43

35.5%

1,683.08

31.2%

Margen Operacional

1,639.69

32.2%

2,751.26

40.1%

398.59

7.2%

302.02

6.3%

2,547.43

47.2%

Provisiones, depreciaciones

91.31

1.8%

2,273.10

33.1%

1,299.42

23.6%

785.23

16.4%

1,586.11

29.4%

Ingresos extraordinarios

444.48

8.7%

532.49

7.8%

1,966.25

35.6%

1,823.96

38.1%

931.66

17.3%

Egresos extraordinarios

37.83

0.7%

39.00

0.6%

103.52

1.9%

100.44

2.1%

224.07

4.1%

Utilidad antes de impuestos y participaciones

1,955.03

38.4%

971.65

14.1%

961.90

17.4%

1,240.31

25.9%

1,668.92

30.9%

Participaci n de los empleados

293.25

5.8%

145.75

2.1%

144.28

2.6%

186.05

3.9%

250.34

4.6%

Impuesto a la renta

454.08

8.9%

236.93

3.4%

237.17

4.3%

282.37

5.9%

374.38

6.9%

Utilidad Neta

1,207.69

23.7%

588.97

8.6%

580.44

10.5%

771.90

16.1%

1,044.20

19.3%

NDICES FINANCIEROS

dic-22

dic-23

dic-24

oct-24

oct-25

CAPITAL:

SOLVENCIA

53.30%

36.99%

104.64%

99.35%

112.22%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

6.52%

19.70%

31.30%

30.46%

28.31%

MOROSIDAD CARTERA VIVIENDA *

6.52%

9.89%

31.30%

30.46%

28.31%

COBERTURA DE LA CARTERA DE VIVIENDA

225.81%

172.69%

134.64%

113.69%

133.07%

COBERTURA DE LA CARTERA DE VIVIENDA*

231.81%

219.50%

134.64%

113.69%

133.07%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

128.36%

46.23%

445.17%

419.03%

404.80%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

169.32%

91.96%

445.17%

419.03%

404.80%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

59.78%

83.20%

166.76%

136.88%

65.00%

MARGEN FINANCIERO

GASTOS DE PERSONAL

5.84%

5.09%

7.76%

7.00%

8.24%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

10.98%

9.52%

14.15%

13.17%

15.64%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

5.14%

2.37%

3.65%

5.67%

9.15%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

15.17%

7.38%

7.01%

10.74%

14.79%

PATRIMONIO PROMEDIO

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