Balance general

(USD MILES)

dic-22

dic-23

dic-24

mar-24

mar-25

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

157.89

0.7%

265.37

1.0%

124.70

1.0%

275.36

2.0%

353.91

2.8%

Inversiones

1,901.61

8.1%

1,122.19

4.4%

7,583.45

58.7%

6,704.27

48.1%

7,480.20

58.7%

Cartera de cr ditos

12,409.04

52.8%

4,571.82

18.1%

3,244.75

25.1%

4,661.22

33.5%

3,045.03

23.9%

Cuentas por cobrar

3,184.88

13.6%

11,701.19

46.3%

1,291.73

10.0%

1,437.72

10.3%

1,182.01

9.3%

Bienes realizables
adjudicados por pago

359.82

1.5%

319.84

1.3%

199.90

1.5%

289.86

2.1%

169.92

1.3%

Propiedades y equipos

446.24

1.9%

396.06

1.6%

341.44

2.6%

386.39

2.8%

359.83

2.8%

Otros Activos

5,025.21

21.4%

6,922.34

27.4%

128.94

1.0%

170.08

1.2%

150.23

1.2%

Total Activo

23,484.69

100.0%

25,298.81

100.0%

12,914.91

100.0%

13,924.89

100.0%

12,741.12

100.0%

Pasivo

Cuentas por Pagar

1,826.56

12.8%

1,470.07

8.8%

1,269.75

31.3%

1,261.79

23.6%

1,257.92

35.5%

Obligaciones Financieras

6,200.00

43.3%

11,700.00

70.0%

1,930.00

47.6%

1,200.00

22.5%

2,100.00

59.2%

Valores en Circulaci n

6,102.60

42.6%

3,367.02

20.1%

668.78

16.5%

2,688.98

50.4%

-

0.0%

Otros Pasivos

187.33

1.3%

187.33

1.1%

187.33

4.6%

187.33

3.5%

187.33

5.3%

Total Pasivo

14,316.49

100.0%

16,724.41

100.0%

4,055.86

100.0%

5,338.09

100.0%

3,545.25

100.0%

Capital Social

3,943.41

43.0%

3,943.41

46.0%

3,943.41

44.5%

3,943.41

45.9%

3,943.41

42.9%

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

3,995.64

43.6%

3,998.99

46.6%

3,998.99

45.1%

3,998.99

46.6%

3,998.99

43.5%

Super vit por valuaciones

- 55.17

-0.6%

- 39.14

-0.5%

248.50

2.8%

- 36.03

-0.4%

315.25

3.4%

Resultados

29.94

0.3%

35.48

0.4%

41.03

0.5%

624.46

7.3%

621.47

6.8%

Resultado del Ejercicio

1,207.69

13.2%

588.97

6.9%

580.44

6.6%

9.28

0.1%

270.07

2.9%

Total Patrimonio

9,168.20

100.0%

8,574.40

100.0%

8,859.05

100.0%

8,586.80

100.0%

9,195.87

100.0%

Total Pasivo + Patrimonio

23,484.69

25,298.81

12,914.91

13,924.89

12,741.12

(USD MILES)

dic-21

dic-22

dic-23

mar-24

mar-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%

421.35

24.3%

332.63

27.7%

Comisiones

-

-

-

-

-

Utilidades financieras

-

0.0%

6.00

0.1%

2.00

0.0%

-

0.0%

-

0.0%

Total Ingresos Financieros

2,753.41

54.1%

4,594.03

66.9%

1,499.01

27.2%

421.35

24.3%

332.63

27.7%

Intereses causados

711.36

14.0%

1,278.59

18.6%

481.48

8.7%

210.80

12.2%

58.45

4.9%

Comisiones causadas

80.04

1.6%

39.55

0.6%

15.37

0.3%

8.90

0.5%

1.07

0.1%

P rdidas Financieras

0.07

0.0%

0.04

0.0%

520.94

9.4%

520.93

30.1%

0.00

0.0%

Total Egreso Financiero

791.47

15.6%

1,318.18

19.2%

1,017.79

18.5%

740.63

42.7%

59.53

5.0%

Margen Financiero

1,961.94

38.6%

3,275.85

47.7%

481.22

8.7%

- 319.28

-18.4%

273.11

22.8%

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%

508.34

29.3%

511.25

42.6%

Egresos de operaci n

2,210.53

43.5%

2,267.58

33.0%

2,133.68

38.7%

543.43

31.3%

525.71

43.8%

Margen Operacional

1,639.69

32.2%

2,751.26

40.1%

398.59

7.2%

- 354.38

-20.4%

258.64

21.6%

Provisiones, depreciaciones

91.31

1.8%

2,273.10

33.1%

1,299.42

23.6%

412.17

23.8%

179.69

15.0%

Ingresos extraordinarios

444.48

8.7%

532.49

7.8%

1,966.25

35.6%

803.81

46.4%

355.05

29.6%

Egresos extraordinarios

37.83

0.7%

39.00

0.6%

103.52

1.9%

21.12

1.2%

7.05

0.6%

Utilidad antes de impuestos y participaciones

1,955.03

38.4%

971.65

14.1%

961.90

17.4%

16.15

0.9%

426.95

35.6%

Participaci n de los empleados

293.25

5.8%

145.75

2.1%

144.28

2.6%

2.42

0.1%

64.04

5.3%

Impuesto a la renta

454.08

8.9%

236.93

3.4%

237.17

4.3%

4.44

0.3%

92.84

7.7%

Utilidad Neta

1,207.69

23.7%

588.97

8.6%

580.44

10.5%

9.28

0.5%

270.07

22.5%

NDICES FINANCIEROS

dic-22

dic-23

dic-24

mar-24

mar-25

CAPITAL:

SOLVENCIA

53.30%

36.99%

104.64%

91.12%

114.17%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

6.52%

19.70%

31.30%

30.50%

32.34%

MOROSIDAD CARTERA VIVIENDA *

6.52%

9.89%

31.30%

30.50%

32.34%

COBERTURA DE LA CARTERA DE VIVIENDA

225.81%

172.69%

134.64%

98.40%

135.98%

COBERTURA DE LA CARTERA DE VIVIENDA*

231.81%

219.50%

134.64%

98.40%

135.98%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

128.36%

46.23%

445.17%

300.16%

548.01%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

169.32%

91.96%

445.17%

300.24%

548.01%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

59.78%

83.20%

166.76%

-296.31%

87.52%

MARGEN FINANCIERO

GASTOS DE PERSONAL

5.84%

5.09%

7.76%

5.43%

8.66%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

10.98%

9.52%

14.15%

11.52%

17.15%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

5.14%

2.37%

3.65%

0.19%

8.37%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

15.17%

7.38%

7.01%

0.44%

12.36%

PATRIMONIO PROMEDIO

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