Balance general

(USD MILES)

dic-22

dic-23

dic-24

may-24

may-25

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

157.89

0.7%

265.37

1.0%

124.70

1.0%

229.51

1.6%

296.95

2.0%

Inversiones

1,901.61

8.1%

1,122.19

4.4%

7,583.45

58.7%

7,435.18

51.4%

7,495.52

50.9%

Cartera de cr ditos

12,409.04

52.8%

4,571.82

18.1%

3,244.75

25.1%

4,479.99

31.0%

5,635.38

38.3%

Cuentas por cobrar

3,184.88

13.6%

11,701.19

46.3%

1,291.73

10.0%

1,456.24

10.1%

531.77

3.6%

Bienes realizables
adjudicados por pago

359.82

1.5%

319.84

1.3%

199.90

1.5%

269.87

1.9%

149.93

1.0%

Propiedades y equipos

446.24

1.9%

396.06

1.6%

341.44

2.6%

377.00

2.6%

348.66

2.4%

Otros Activos

5,025.21

21.4%

6,922.34

27.4%

128.94

1.0%

224.31

1.5%

266.10

1.8%

Total Activo

23,484.69

100.0%

25,298.81

100.0%

12,914.91

100.0%

14,472.11

100.0%

14,724.31

100.0%

Pasivo

Cuentas por Pagar

1,826.56

12.8%

1,470.07

8.8%

1,269.75

31.3%

1,352.44

24.9%

1,382.90

23.6%

Obligaciones Financieras

6,200.00

43.3%

11,700.00

70.0%

1,930.00

47.6%

1,200.00

22.1%

4,300.00

73.3%

Valores en Circulaci n

6,102.60

42.6%

3,367.02

20.1%

668.78

16.5%

2,682.82

49.5%

-

0.0%

Otros Pasivos

187.33

1.3%

187.33

1.1%

187.33

4.6%

187.33

3.5%

187.33

3.2%

Total Pasivo

14,316.49

100.0%

16,724.41

100.0%

4,055.86

100.0%

5,422.59

100.0%

5,870.22

100.0%

Capital Social

3,943.41

43.0%

3,943.41

46.0%

3,943.41

44.5%

3,943.41

43.6%

3,943.41

44.5%

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

44.2%

3,998.99

45.2%

Superavit por valuaciones

- 55.17

-0.6%

- 39.14

-0.5%

248.50

2.8%

15.77

0.2%

330.91

3.7%

Resultados

29.94

0.3%

35.48

0.4%

41.03

0.5%

624.46

6.9%

41.03

0.5%

Resultado del Ejercicio

1,207.69

13.2%

588.97

6.9%

580.44

6.6%

420.21

4.6%

493.07

5.6%

Total Patrimonio

9,168.20

100.0%

8,574.40

100.0%

8,859.05

100.0%

9,049.53

100.0%

8,854.09

100.0%

Total Pasivo + Patrimonio

23,484.69

25,298.81

12,914.91

14,472.11

14,724.31

(USD MILES)

dic-21

dic-22

dic-23

may-24

may-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%

652.04

22.0%

1,481.56

54.3%

Comisiones

-

-

-

-

-

Utilidades financieras

-

0.0%

6.00

0.1%

2.00

0.0%

2.00

0.1%

-

0.0%

Total Ingresos Financieros

2,753.41

54.1%

4,594.03

66.9%

1,499.01

27.2%

654.04

22.0%

1,481.56

54.3%

Intereses causados

711.36

14.0%

1,278.59

18.6%

481.48

8.7%

274.56

9.3%

105.23

3.9%

Comisiones causadas

80.04

1.6%

39.55

0.6%

15.37

0.3%

11.70

0.4%

1.94

0.1%

P rdidas Financieras

0.07

0.0%

0.04

0.0%

520.94

9.4%

520.94

17.6%

0.60

0.0%

Total Egreso Financiero

791.47

15.6%

1,318.18

19.2%

1,017.79

18.5%

807.20

27.2%

107.77

3.9%

Margen Financiero

1,961.94

38.6%

3,275.85

47.7%

481.22

8.7%

- 153.16

-5.2%

1,373.78

50.3%

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%

847.55

28.6%

845.38

31.0%

Egresos de operaci n

2,210.53

43.5%

2,267.58

33.0%

2,133.68

38.7%

877.26

29.6%

847.62

31.1%

Margen Operacional

1,639.69

32.2%

2,751.26

40.1%

398.59

7.2%

- 182.86

-6.2%

1,371.54

50.3%

Provisiones, depreciaciones

91.31

1.8%

2,273.10

33.1%

1,299.42

23.6%

571.29

19.2%

965.21

35.4%

Ingresos extraordinarios

444.48

8.7%

532.49

7.8%

1,966.25

35.6%

1,466.19

49.4%

402.40

14.7%

Egresos extraordinarios

37.83

0.7%

39.00

0.6%

103.52

1.9%

26.73

0.9%

8.06

0.3%

Utilidad antes de impuestos y participaciones

1,955.03

38.4%

971.65

14.1%

961.90

17.4%

685.31

23.1%

800.66

29.3%

Participaci n de los empleados

293.25

5.8%

145.75

2.1%

144.28

2.6%

102.80

3.5%

120.10

4.4%

Impuesto a la renta

454.08

8.9%

236.93

3.4%

237.17

4.3%

162.31

5.5%

187.49

6.9%

Utilidad Neta

1,207.69

23.7%

588.97

8.6%

580.44

10.5%

420.21

14.2%

493.07

18.1%

NDICES FINANCIEROS

dic-22

dic-23

dic-24

may-24

may-25

CAPITAL:

SOLVENCIA

53.30%

36.99%

104.64%

91.22%

97.41%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

6.52%

19.70%

31.30%

26.53%

27.94%

MOROSIDAD CARTERA VIVIENDA *

6.52%

9.89%

31.30%

26.53%

27.94%

COBERTURA DE LA CARTERA DE VIVIENDA

225.81%

172.69%

134.64%

115.15%

125.95%

COBERTURA DE LA CARTERA DE VIVIENDA*

231.81%

219.50%

134.64%

115.15%

125.95%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

128.36%

46.23%

445.17%

320.76%

326.91%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

169.32%

91.96%

445.17%

320.76%

326.91%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

59.78%

83.20%

166.76%

539.49%

68.79%

MARGEN FINANCIERO

GASTOS DE PERSONAL

5.84%

5.09%

7.76%

6.18%

8.27%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

10.98%

9.52%

14.15%

12.37%

16.34%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

5.14%

2.37%

3.65%

5.61%

8.99%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

15.17%

7.38%

7.01%

11.88%

13.73%

PATRIMONIO PROMEDIO

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