Balance general

(USD MILES)

dic-23

dic-24

dic-25

jun-25

jun-26

(Acumulado)

(Acumulado)

Activo

USD

%

USD

%

USD

%

USD

%

USD

%

Fondos Disponibles

265.37

1.0%

124.70

1.0%

225.19

1.5%

447.07

3.0%

336.53

2.0%

Inversiones

1,122.19

4.4%

7,583.45

58.7%

7,552.55

48.8%

7,489.61

50.9%

6,671.22

39.3%

Cartera de cr ditos

4,571.82

18.1%

3,244.75

25.1%

6,624.50

42.8%

5,537.23

37.6%

8,821.73

52.0%

Cuentas por cobrar

11,701.19

46.3%

1,291.73

10.0%

598.28

3.9%

487.01

3.3%

544.88

3.2%

Bienes realizables
adjudicados por pago

319.84

1.3%

199.90

1.5%

54.21

0.4%

139.93

1.0%

54.21

0.3%

Propiedades y equipos

396.06

1.6%

341.44

2.6%

315.58

2.0%

341.80

2.3%

285.82

1.7%

Otros Activos

6,922.34

27.4%

128.94

1.0%

116.58

0.8%

269.62

1.8%

262.14

1.5%

Total Activo

25,298.81

100.0%

12,914.91

100.0%

15,486.87

100.0%

14,712.27

100.0%

16,976.53

100.0%

Pasivo

Cuentas por Pagar

1,470.07

8.8%

1,269.75

31.3%

1,837.01

29.4%

1,539.16

26.6%

2,478.48

31.9%

Obligaciones Financieras

11,700.00

70.0%

1,930.00

47.6%

4,380.00

70.2%

4,050.00

70.1%

5,270.00

67.8%

Valores en Circulaci n

3,367.02

20.1%

668.78

16.5%

-

0.0%

-

0.0%

-

0.0%

Otros Pasivos

187.33

1.1%

187.33

4.6%

25.44

0.4%

187.33

3.2%

25.44

0.3%

Total Pasivo

16,724.41

100.0%

4,055.86

100.0%

6,242.44

100.0%

5,776.49

100.0%

7,773.91

100.0%

Capital Social

3,943.41

46.0%

3,943.41

44.5%

3,943.41

42.7%

3,943.41

44.1%

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

3,998.99

46.6%

3,998.99

45.1%

3,998.99

43.3%

3,998.99

44.8%

3,998.99

43.5%

Superavit por valuaciones

- 39.14

-0.5%

248.50

2.8%

137.25

1.5%

325.00

3.6%

76.74

0.8%

Resultados

35.48

0.4%

41.03

0.5%

41.03

0.4%

41.03

0.5%

41.03

0.4%

Resultado del Ejercicio

588.97

6.9%

580.44

6.6%

1,077.07

11.7%

580.67

6.5%

1,095.76

11.9%

Total Patrimonio

8,574.40

100.0%

8,859.05

100.0%

9,244.43

100.0%

8,935.78

100.0%

9,202.61

100.0%

Total Pasivo + Patrimonio

25,298.81

12,914.91

15,486.87

14,712.27

16,976.53

(USD MILES)

dic-23

dic-24

dic-25

jun-25

jun-26

(Acumulado)

(Acumulado)

USD

%

USD

%

USD

%

USD

%

USD

%

Intereses ganados

4,588.03

66.8%

1,497.01

27.1%

3,064.67

50.3%

1,613.29

52.5%

2,021.75

57.2%

Comisiones

-

-

-

-

-

Utilidades financieras

6.00

0.1%

2.00

0.0%

0.69

0.0%

-

0.0%

-

0.0%

Total Ingresos Financieros

4,594.03

66.9%

1,499.01

27.2%

3,065.35

50.3%

1,613.29

52.5%

2,021.75

57.2%

Intereses causados

1,278.59

18.6%

481.48

8.7%

277.97

4.6%

136.97

4.5%

159.85

4.5%

Comisiones causadas

39.55

0.6%

15.37

0.3%

13.08

0.2%

2.67

0.1%

13.83

0.4%

P rdidas Financieras

0.04

0.0%

520.94

9.4%

1.21

0.0%

0.60

0.0%

1.11

0.0%

Total Egreso Financiero

1,318.18

19.2%

1,017.79

18.5%

292.26

4.8%

140.24

4.6%

174.79

4.9%

Margen Financiero

3,275.85

47.7%

481.22

8.7%

2,773.09

45.5%

1,473.05

47.9%

1,846.96

52.3%

Ingresos ordinarios

-

0.0%

-

0.0%

-

0.0%

-

0.0%

-

0.0%

Ingreso por servicios

1,742.99

25.4%

2,051.05

37.2%

2,016.66

33.1%

1,015.10

33.0%

967.04

27.4%

Egresos de operaci n

2,267.58

33.0%

2,133.68

38.7%

2,189.10

35.9%

1,020.81

33.2%

999.93

28.3%

Margen Operacional

2,751.26

40.1%

398.59

7.2%

2,600.66

42.7%

1,467.34

47.8%

1,814.08

51.4%

Provisiones, depreciaciones

2,273.10

33.1%

1,299.42

23.6%

1,620.62

26.6%

962.08

31.3%

619.77

17.5%

Ingresos extraordinarios

532.49

7.8%

1,966.25

35.6%

1,011.34

16.6%

443.77

14.4%

543.31

15.4%

Egresos extraordinarios

39.00

0.6%

103.52

1.9%

227.61

3.7%

10.01

0.3%

12.71

0.4%

Utilidad antes de impuestos y participaciones

971.65

14.1%

961.90

17.4%

1,763.76

28.9%

939.02

30.6%

1,724.91

48.8%

Participaci n de los empleados

145.75

2.1%

144.28

2.6%

264.56

4.3%

140.85

4.6%

258.74

7.3%

Impuesto a la renta

236.93

3.4%

237.17

4.3%

422.13

6.9%

217.50

7.1%

370.42

10.5%

Utilidad Neta

588.97

8.6%

580.44

10.5%

1,077.07

17.7%

580.67

18.9%

1,095.76

31.0%

NDICES FINANCIEROS

dic-23

dic-24

dic-25

jun-25

jun-26

CAPITAL:

SOLVENCIA

36.99%

104.64%

103.60%

99.91%

94.28%

CALIDAD DE ACTIVOS:

MOROSIDAD CARTERA VIVIENDA

19.70%

31.30%

19.53%

27.69%

14.56%

MOROSIDAD CARTERA VIVIENDA *

9.89%

31.30%

19.53%

27.69%

14.56%

COBERTURA DE LA CARTERA DE VIVIENDA

172.69%

134.64%

160.00%

126.16%

152.50%

COBERTURA DE LA CARTERA DE VIVIENDA*

179.61%

155.48%

160.00%

126.16%

152.50%

MANEJO ADMINISTRATIVO:

ACTIVOS PRODUCTIVOS

46.23%

445.17%

354.57%

347.88%

316.79%

PASIVO CON COSTO

ACTIVOS PRODUCTIVOS *

91.96%

445.17%

354.57%

347.88%

316.79%

PASIVO CON COSTO

GRADO DE ABSORCI N:

GASTOS OPERATIVOS

83.20%

166.76%

70.25%

68.12%

47.24%

MARGEN FINANCIERO

GASTOS DE PERSONAL

5.09%

7.76%

8.23%

8.14%

7.38%

ACTIVO TOTAL PROMEDIO

GASTOS OPERATIVOS

9.52%

14.15%

14.95%

16.14%

13.54%

ACTIVO TOTAL PROMEDIO

RENTABILIDAD

ROA:

RESULTADO DEL EJERCICIO

2.37%

3.65%

6.95%

8.68%

13.88%

ACTIVO PROMEDIO

ROE:

RESULTADO DEL EJERCICIO

7.38%

7.01%

13.19%

13.54%

25.49%

PATRIMONIO PROMEDIO

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