Balance general

(USD MILES)

dic-22

dic-23

dic-24

jul-24

jul-25

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

157.89

0.7%

265.37

1.0%

124.70

1.0%

139.82

1.0%

242.43

1.7%

Inversiones

1,901.61

8.1%

1,122.19

4.4%

7,583.45

58.7%

8,026.26

54.9%

7,476.85

53.2%

Cartera de cr ditos

12,409.04

52.8%

4,571.82

18.1%

3,244.75

25.1%

4,162.77

28.5%

5,231.39

37.2%

Cuentas por cobrar

3,184.88

13.6%

11,701.19

46.3%

1,291.73

10.0%

1,435.27

9.8%

474.84

3.4%

Bienes realizables
adjudicados por pago

359.82

1.5%

319.84

1.3%

199.90

1.5%

249.88

1.7%

-

0.0%

Propiedades y equipos

446.24

1.9%

396.06

1.6%

341.44

2.6%

367.61

2.5%

345.95

2.5%

Otros Activos

5,025.21

21.4%

6,922.34

27.4%

128.94

1.0%

228.80

1.6%

283.99

2.0%

Total Activo

23,484.69

100.0%

25,298.81

100.0%

12,914.91

100.0%

14,610.40

100.0%

14,055.45

100.0%

Pasivo

Cuentas por Pagar

1,826.56

12.8%

1,470.07

8.8%

1,269.75

31.3%

1,393.71

25.9%

1,575.01

32.0%

Obligaciones Financieras

6,200.00

43.3%

11,700.00

70.0%

1,930.00

47.6%

1,790.00

33.3%

3,350.00

68.0%

Valores en Circulaci n

6,102.60

42.6%

3,367.02

20.1%

668.78

16.5%

2,010.96

37.4%

-

0.0%

Otros Pasivos

187.33

1.3%

187.33

1.1%

187.33

4.6%

187.33

3.5%

-

0.0%

Total Pasivo

14,316.49

100.0%

16,724.41

100.0%

4,055.86

100.0%

5,381.99

100.0%

4,925.01

100.0%

Capital Social

3,943.41

43.0%

3,943.41

46.0%

3,943.41

44.5%

3,943.41

42.7%

3,943.41

43.2%

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

43.3%

3,998.99

43.8%

Superavit por valuaciones

- 55.17

-0.6%

- 39.14

-0.5%

248.50

2.8%

156.85

1.7%

312.24

3.4%

Resultados

29.94

0.3%

35.48

0.4%

41.03

0.5%

624.46

6.8%

41.03

0.4%

Resultado del Ejercicio

1,207.69

13.2%

588.97

6.9%

580.44

6.6%

458.02

5.0%

788.08

8.6%

Total Patrimonio

9,168.20

100.0%

8,574.40

100.0%

8,859.05

100.0%

9,228.41

100.0%

9,130.44

100.0%

Total Pasivo + Patrimonio

23,484.69

25,298.81

12,914.91

14,610.40

14,055.45

(USD MILES)

dic-21

dic-22

dic-23

jul-24

jul-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%

888.57

23.7%

1,749.84

46.5%

Comisiones

-

-

-

-

-

Utilidades financieras

-

0.0%

6.00

0.1%

2.00

0.0%

2.00

0.1%

0.00

0.0%

Total Ingresos Financieros

2,753.41

54.1%

4,594.03

66.9%

1,499.01

27.2%

890.57

23.8%

1,749.84

46.5%

Intereses causados

711.36

14.0%

1,278.59

18.6%

481.48

8.7%

339.93

9.1%

166.62

4.4%

Comisiones causadas

80.04

1.6%

39.55

0.6%

15.37

0.3%

12.68

0.3%

6.61

0.2%

P rdidas Financieras

0.07

0.0%

0.04

0.0%

520.94

9.4%

520.94

13.9%

0.60

0.0%

Total Egreso Financiero

791.47

15.6%

1,318.18

19.2%

1,017.79

18.5%

873.55

23.3%

173.83

4.6%

Margen Financiero

1,961.94

38.6%

3,275.85

47.7%

481.22

8.7%

17.01

0.5%

1,576.01

41.9%

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%

1,196.67

32.0%

1,181.56

31.4%

Egresos de operaci n

2,210.53

43.5%

2,267.58

33.0%

2,133.68

38.7%

1,210.00

32.3%

1,191.34

31.7%

Margen Operacional

1,639.69

32.2%

2,751.26

40.1%

398.59

7.2%

3.68

0.1%

1,566.23

41.6%

Provisiones, depreciaciones

91.31

1.8%

2,273.10

33.1%

1,299.42

23.6%

884.32

23.6%

911.54

24.2%

Ingresos extraordinarios

444.48

8.7%

532.49

7.8%

1,966.25

35.6%

1,656.05

44.2%

829.79

22.1%

Egresos extraordinarios

37.83

0.7%

39.00

0.6%

103.52

1.9%

29.77

0.8%

219.61

5.8%

Utilidad antes de impuestos y participaciones

1,955.03

38.4%

971.65

14.1%

961.90

17.4%

745.64

19.9%

1,264.88

33.6%

Participaci n de los empleados

293.25

5.8%

145.75

2.1%

144.28

2.6%

111.85

3.0%

189.73

5.0%

Impuesto a la renta

454.08

8.9%

236.93

3.4%

237.17

4.3%

175.78

4.7%

287.06

7.6%

Utilidad Neta

1,207.69

23.7%

588.97

8.6%

580.44

10.5%

458.02

12.2%

788.08

21.0%

NDICES FINANCIEROS

dic-22

dic-23

dic-24

jul-24

jul-25

CAPITAL:

SOLVENCIA

53.30%

36.99%

104.64%

94.06%

107.02%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

6.52%

19.70%

31.30%

29.45%

26.55%

MOROSIDAD CARTERA VIVIENDA *

6.52%

9.89%

31.30%

29.45%

26.55%

COBERTURA DE LA CARTERA DE VIVIENDA

225.81%

172.69%

134.64%

113.45%

135.50%

COBERTURA DE LA CARTERA DE VIVIENDA*

231.81%

219.50%

134.64%

113.45%

135.50%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

128.36%

46.23%

445.17%

331.80%

409.54%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

169.32%

91.96%

445.17%

331.80%

409.54%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

59.78%

83.20%

166.76%

322.01%

65.81%

MARGEN FINANCIERO

GASTOS DE PERSONAL

5.84%

5.09%

7.76%

6.53%

8.15%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

10.98%

9.52%

14.15%

12.83%

16.05%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

5.14%

2.37%

3.65%

4.60%

10.03%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

15.17%

7.38%

7.01%

9.19%

15.80%

PATRIMONIO PROMEDIO

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