Balance general

(USD MILES)

dic-20

dic-21

dic-23

ago-23

ago-24

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

210.32

1.1%

157.89

0.7%

265.37

1.0%

287.07

1.1%

489.52

3.3%

Inversiones

2,073.14

11.1%

1,901.61

8.1%

1,122.19

4.4%

2,585.18

10.2%

8,074.44

54.3%

Cartera de cr ditos

12,452.47

66.9%

12,409.04

52.8%

4,571.82

18.1%

13,681.89

54.1%

4,015.33

27.0%

Cuentas por cobrar

2,978.38

16.0%

3,184.88

13.6%

11,701.19

46.3%

2,836.58

11.2%

1,470.89

9.9%

Bienes realizables
adjudicados por pago

359.82

1.9%

359.82

1.5%

319.84

1.3%

359.82

1.4%

239.88

1.6%

Propiedades y equipos

482.62

2.6%

446.24

1.9%

396.06

1.6%

421.63

1.7%

361.81

2.4%

Otros Activos

47.47

0.3%

5,025.21

21.4%

6,922.34

27.4%

5,140.11

20.3%

226.15

1.5%

Total Activo

18,604.23

100.0%

23,484.69

100.0%

25,298.81

100.0%

25,312.29

100.0%

14,878.02

100.0%

Pasivo

Cuentas por Pagar

1,578.31

16.8%

1,826.56

12.8%

1,470.07

8.8%

1,331.20

7.8%

1,453.79

26.7%

Obligaciones Financieras

7,650.00

81.2%

6,200.00

43.3%

11,700.00

70.0%

10,800.00

63.4%

1,790.00

32.9%

Valores en Circulaci n

-

0.0%

6,102.60

42.6%

3,367.02

20.1%

4,719.28

27.7%

2,008.66

36.9%

Otros Pasivos

187.33

2.0%

187.33

1.3%

187.33

1.1%

187.33

1.1%

187.33

3.4%

Total Pasivo

9,415.64

100.0%

14,316.49

100.0%

16,724.41

100.0%

17,037.81

100.0%

5,439.77

100.0%

Capital Social

3,943.41

42.9%

3,943.41

43.0%

3,943.41

46.0%

3,943.41

47.7%

3,943.41

41.8%

Prima o Colocaciones de acciones

46.68

0.5%

46.68

0.5%

46.68

0.5%

46.68

0.6%

46.68

0.5%

Reservas

3,870.28

42.1%

3,995.64

43.6%

3,998.99

46.6%

3,998.99

48.3%

3,998.99

42.4%

Super vit por valuaciones

50.18

0.5%

- 55.17

-0.6%

- 39.14

-0.5%

- 36.60

-0.4%

205.03

2.2%

Resultados

24.40

0.3%

29.94

0.3%

35.48

0.4%

29.94

0.4%

624.46

6.6%

Resultado del Ejercicio

1,253.64

13.6%

1,207.69

13.2%

588.97

6.9%

292.06

3.5%

619.68

6.6%

Total Patrimonio

9,188.59

100.0%

9,168.20

100.0%

8,574.40

100.0%

8,274.48

100.0%

9,438.25

100.0%

Total Pasivo + Patrimonio

18,604.23

23,484.69

25,298.81

25,312.29

14,878.02

(USD MILES)

dic-21

dic-22

dic-23

ago-23

ago-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%

1,706.82

53.5%

1,003.60

24.3%

Comisiones

-

0.0%

-

-

-

-

Utilidades financieras

-

0.0%

-

0.0%

6.00

0.1%

6.00

0.2%

2.00

0.0%

Total Ingresos Financieros

3,021.41

56.4%

2,753.41

54.1%

4,594.03

66.9%

1,712.82

53.7%

1,005.60

24.3%

Intereses causados

519.72

9.7%

711.36

14.0%

1,278.59

18.6%

797.41

25.0%

373.42

9.0%

Comisiones causadas

51.34

1.0%

80.04

1.6%

39.55

0.6%

32.06

1.0%

13.20

0.3%

P rdidas Financieras

41.18

0.8%

0.07

0.0%

0.04

0.0%

0.03

0.0%

520.94

12.6%

Total Egreso Financiero

612.24

11.4%

791.47

15.6%

1,318.18

19.2%

829.50

26.0%

907.55

22.0%

Margen Financiero

2,409.17

45.0%

1,961.94

38.6%

3,275.85

47.7%

883.32

27.7%

98.04

2.4%

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%

1,167.59

36.6%

1,367.13

33.1%

Egresos de operaci n

2,138.56

39.9%

2,210.53

43.5%

2,267.58

33.0%

1,427.14

44.8%

1,357.55

32.9%

Margen Operacional

2,121.56

39.6%

1,639.69

32.2%

2,751.26

40.1%

623.76

19.6%

107.63

2.6%

Provisiones, depreciaciones

585.52

10.9%

91.31

1.8%

2,273.10

33.1%

423.87

13.3%

773.43

18.7%

Ingresos extraordinarios

482.84

9.0%

444.48

8.7%

532.49

7.8%

308.68

9.7%

1,759.36

42.6%

Egresos extraordinarios

32.93

0.6%

37.83

0.7%

39.00

0.6%

20.65

0.6%

93.58

2.3%

Utilidad antes de impuestos y participaciones

1,985.95

37.1%

1,955.03

38.4%

971.65

14.1%

487.91

15.3%

999.98

24.2%

Participaci n de los empleados

297.89

5.6%

293.25

5.8%

145.75

2.1%

73.19

2.3%

150.07

3.6%

Impuesto a la renta

434.42

8.1%

454.08

8.9%

236.93

3.4%

122.67

3.8%

230.23

5.6%

Utilidad Neta

1,253.64

23.4%

1,207.69

23.7%

588.97

8.6%

292.06

9.2%

619.68

15.0%

NDICES FINANCIEROS

dic-21

dic-22

dic-23

ago-23

ago-24

CAPITAL:

SOLVENCIA

72.88%

53.30%

36.99%

44.57%

96.41%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

8.03%

6.52%

19.70%

9.23%

29.36%

MOROSIDAD CARTERA VIVIENDA *

8.03%

6.52%

9.89%

7.02%

29.36%

COBERTURA DE LA CARTERA DE VIVIENDA

197.21%

225.81%

172.69%

145.22%

115.16%

COBERTURA DE LA CARTERA DE VIVIENDA*

200.48%

272.08%

179.61%

149.65%

115.16%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

207.69%

128.36%

46.23%

111.28%

339.00%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

207.73%

169.32%

91.96%

143.59%

339.00%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

59.27%

59.78%

83.20%

88.18%

186.64%

MARGEN FINANCIERO

GASTOS DE PERSONAL

7.42%

5.84%

5.09%

4.68%

6.69%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

12.85%

10.98%

9.52%

9.12%

12.79%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

6.74%

5.14%

2.37%

1.79%

5.53%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

15.80%

15.17%

7.38%

5.15%

10.84%

PATRIMONIO PROMEDIO

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