Balance general
|
(USD MILES) |
dic-21 |
dic-22 |
dic-23 |
|
mar-23 |
mar-24 |
||||||
|
|
|
|
|
|
|
(Acumulado) |
(Acumulado) |
|||||
|
|
|
|||||||||||
|
Activo |
USD |
% |
USD |
% |
USD |
% |
|
USD |
% |
USD |
% |
|
|
Fondos Disponibles |
210.32 |
1.1% |
157.89 |
0.7% |
265.37 |
1.0% |
|
147.37 |
0.6% |
275.36 |
2.0% |
|
|
Inversiones |
2,073.14 |
11.1% |
1,901.61 |
8.1% |
1,122.19 |
4.4% |
|
2,213.71 |
9.2% |
6,704.27 |
48.1% |
|
|
Cartera de créditos |
12,452.47 |
66.9% |
12,409.04 |
52.8% |
4,571.82 |
18.1% |
|
12,714.39 |
53.1% |
4,661.22 |
33.5% |
|
|
Cuentas por cobrar |
2,978.38 |
16.0% |
3,184.88 |
13.6% |
11,701.19 |
46.3% |
|
2,960.18 |
12.4% |
1,437.72 |
10.3% |
|
|
Bienes realizables |
359.82 |
1.9% |
359.82 |
1.5% |
319.84 |
1.3% |
|
359.82 |
1.5% |
289.86 |
2.1% |
|
|
Propiedades y equipos |
482.62 |
2.6% |
446.24 |
1.9% |
396.06 |
1.6% |
|
452.17 |
1.9% |
386.39 |
2.8% |
|
|
Otros Activos |
47.47 |
0.3% |
5,025.21 |
21.4% |
6,922.34 |
27.4% |
|
5,086.70 |
21.3% |
170.08 |
1.2% |
|
|
Total Activo |
18,604.23 |
100.0% |
23,484.69 |
100.0% |
25,298.81 |
100.0% |
|
|
23,934.34 |
100.0% |
13,924.89 |
100.0% |
|
|
||||||||||||
|
Pasivo |
|
|||||||||||
|
Cuentas por Pagar |
1,578.31 |
16.8% |
1,826.56 |
12.8% |
1,470.07 |
8.8% |
|
1,541.29 |
10.6% |
1,261.79 |
23.6% |
|
|
Obligaciones Financieras |
7,650.00 |
81.2% |
6,200.00 |
43.3% |
11,700.00 |
70.0% |
|
7,400.00 |
50.9% |
1,200.00 |
22.5% |
|
|
Valores en Circulación |
- |
0.0% |
6,102.60 |
42.6% |
3,367.02 |
20.1% |
|
5,415.18 |
37.2% |
2,688.98 |
50.4% |
|
|
Otros Pasivos |
187.33 |
2.0% |
187.33 |
1.3% |
187.33 |
1.1% |
|
187.33 |
1.3% |
187.33 |
3.5% |
|
|
Total Pasivo |
9,415.64 |
100.0% |
14,316.49 |
100.0% |
16,724.41 |
100.0% |
|
|
14,543.79 |
100.0% |
5,338.09 |
100.0% |
|
|
||||||||||||
|
Capital Social |
3,943.41 |
42.9% |
3,943.41 |
43.0% |
3,943.41 |
46.0% |
|
3,943.41 |
42.0% |
3,943.41 |
45.9% |
|
|
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 |
3,870.28 |
42.1% |
3,995.64 |
43.6% |
3,998.99 |
46.6% |
|
3,998.99 |
42.6% |
3,998.99 |
46.6% |
|
|
Superávit por valuaciones |
50.18 |
0.5% |
- 55.17 |
-0.6% |
- 39.14 |
-0.5% |
|
- 37.08 |
-0.4% |
- 36.03 |
-0.4% |
|
|
Resultados |
24.40 |
0.3% |
29.94 |
0.3% |
35.48 |
0.4% |
|
1,234.29 |
13.1% |
624.46 |
7.3% |
|
|
Resultado del Ejercicio |
1,253.64 |
13.6% |
1,207.69 |
13.2% |
588.97 |
6.9% |
|
204.26 |
2.2% |
9.28 |
0.1% |
|
|
Total Patrimonio |
9,188.59 |
100.0% |
9,168.20 |
100.0% |
8,574.40 |
100.0% |
|
|
9,390.55 |
100.0% |
8,586.80 |
100.0% |
|
|
||||||||||||
|
Total Pasivo + Patrimonio |
18,604.23 |
|
23,484.69 |
|
25,298.81 |
|
|
|
23,934.34 |
|
13,924.89 |
|
Estado de resultados
|
(USD MILES) |
dic-21 |
dic-22 |
dic-23 |
mar-23 |
mar-24 |
|||||
|
|
|
|
|
|
(Acumulado) |
(Acumulado) |
||||
|
USD |
% |
USD |
% |
USD |
% |
USD |
% |
USD |
% |
|
|
Intereses ganados |
3,021.41 |
56.4% |
2,753.41 |
54.1% |
4,588.03 |
66.8% |
632.79 |
49.6% |
421.35 |
24.3% |
|
Comisiones |
- |
0.0% |
- |
- |
- |
- |
||||
|
Utilidades financieras |
- |
0.0% |
- |
0.0% |
6.00 |
0.1% |
- |
0.0% |
- |
0.0% |
|
Total Ingresos Financieros |
3,021.41 |
56.4% |
2,753.41 |
54.1% |
4,594.03 |
66.9% |
632.79 |
49.6% |
421.35 |
24.3% |
|
Intereses causados |
519.72 |
9.7% |
711.36 |
14.0% |
1,278.59 |
18.6% |
263.26 |
20.6% |
210.80 |
12.2% |
|
Comisiones causadas |
51.34 |
1.0% |
80.04 |
1.6% |
39.55 |
0.6% |
7.42 |
0.6% |
8.90 |
0.5% |
|
Pérdidas Financieras |
41.18 |
0.8% |
0.07 |
0.0% |
0.04 |
0.0% |
0.01 |
0.0% |
520.93 |
30.1% |
|
Total Egreso Financiero |
612.24 |
11.4% |
791.47 |
15.6% |
1,318.18 |
19.2% |
270.69 |
21.2% |
740.63 |
42.7% |
|
|
|
|||||||||
|
Margen Financiero |
2,409.17 |
45.0% |
1,961.94 |
38.6% |
3,275.85 |
47.7% |
362.10 |
28.4% |
- 319.28 |
-18.4% |
|
Ingresos ordinarios |
- |
0.0% |
- |
0.0% |
- |
0.0% |
- |
0.0% |
- |
0.0% |
|
Ingreso por servicios |
1,850.95 |
34.6% |
1,888.27 |
37.1% |
1,742.99 |
25.4% |
442.99 |
34.7% |
508.34 |
29.3% |
|
Egresos de operación |
2,138.56 |
39.9% |
2,210.53 |
43.5% |
2,267.58 |
33.0% |
561.40 |
44.0% |
543.43 |
31.3% |
|
Margen Operacional |
2,121.56 |
39.6% |
1,639.69 |
32.2% |
2,751.26 |
40.1% |
243.69 |
19.1% |
- 354.38 |
-20.4% |
|
Provisiones, depreciaciones |
585.52 |
10.9% |
91.31 |
1.8% |
2,273.10 |
33.1% |
104.86 |
8.2% |
412.17 |
23.8% |
|
Ingresos extraordinarios |
482.84 |
9.0% |
444.48 |
8.7% |
532.49 |
7.8% |
199.36 |
15.6% |
803.81 |
46.4% |
|
Egresos extraordinarios |
32.93 |
0.6% |
37.83 |
0.7% |
39.00 |
0.6% |
16.72 |
1.3% |
21.12 |
1.2% |
|
Utilidad antes de
impuestos y participaciones |
1,985.95 |
37.1% |
1,955.03 |
38.4% |
971.65 |
14.1% |
321.46 |
25.2% |
16.15 |
0.9% |
|
Participación de los empleados |
297.89 |
5.6% |
293.25 |
5.8% |
145.75 |
2.1% |
48.22 |
3.8% |
2.42 |
0.1% |
|
Impuesto a la renta |
434.42 |
8.1% |
454.08 |
8.9% |
236.93 |
3.4% |
68.98 |
5.4% |
4.44 |
0.3% |
|
Utilidad Neta |
1,253.64 |
23.4% |
1,207.69 |
23.7% |
588.97 |
8.6% |
204.26 |
16.0% |
9.28 |
0.5% |
Indicadores Financieros
|
|
ÍNDICES FINANCIEROS |
dic-21 |
|
dic-22 |
dic-23 |
mar-23 |
mar-24 |
|
|
CAPITAL: |
|
|
|
|
||||
|
SOLVENCIA |
72.88% |
53.30% |
36.99% |
52.59% |
70.36% |
|||
|
|
|
|
||||||
|
CALIDAD DE ACTIVOS: |
|
|
||||||
|
MOROSIDAD CARTERA VIVIENDA |
8.03% |
6.52% |
19.70% |
6.53% |
30.50% |
|||
|
MOROSIDAD CARTERA VIVIENDA
* |
8.03% |
6.52% |
9.89% |
6.53% |
30.50% |
|||
|
|
|
|
||||||
|
COBERTURA DE LA CARTERA DE
VIVIENDA |
197.21% |
225.81% |
172.69% |
215.59% |
98.40% |
|||
|
COBERTURA DE LA CARTERA DE
VIVIENDA* |
200.48% |
272.08% |
179.61% |
221.53% |
98.40% |
|||
|
|
|
|
||||||
|
MANEJO ADMINISTRATIVO: |
|
|
|
|||||
|
ACTIVOS PRODUCTIVOS |
207.69% |
128.36% |
46.23% |
127.14% |
300.16% |
|||
|
PASIVO CON COSTO |
||||||||
|
|
|
|
||||||
|
ACTIVOS PRODUCTIVOS * |
207.73% |
169.32% |
91.96% |
166.39% |
300.24% |
|||
|
PASIVO CON COSTO |
||||||||
|
|
|
|
||||||
|
|
|
|
||||||
|
GRADO DE ABSORCIÓN: |
|
|
|
|
||||
|
GASTOS OPERATIVOS |
59.27% |
59.78% |
83.20% |
80.80% |
-296.31% |
|||
|
MARGEN FINANCIERO |
||||||||
|
GASTOS DE PERSONAL |
7.42% |
5.84% |
5.09% |
4.83% |
5.43% |
|||
|
ACTIVO TOTAL PROMEDIO |
||||||||
|
GASTOS OPERATIVOS |
12.85% |
10.98% |
9.52% |
9.76% |
11.52% |
|||
|
ACTIVO TOTAL PROMEDIO |
||||||||
|
|
|
|
||||||
|
RENTABILIDAD |
|
|
|
|
||||
|
ROA: |
RESULTADO DEL EJERCICIO |
6.74% |
5.14% |
2.37% |
3.41% |
0.19% |
||
|
ACTIVO PROMEDIO |
||||||||
|
ROE: |
RESULTADO DEL EJERCICIO |
15.80% |
15.17% |
7.38% |
9.21% |
0.44% |
||
|
PATRIMONIO PROMEDIO |
||||||||
|
|
|
|
||||||
|
* Incluye cartera hipotecaria
transferida al fideicomiso de titularización que está en etapa de acumulación |
|
|
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