Balance general
(USD MILES) |
dic-20 |
dic-21 |
dic-23 |
|
jun-23 |
jun-24 |
||||||
|
|
|
|
|
|
(Acumulado) |
(Acumulado) |
|||||
|
|
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Activo |
USD |
% |
USD |
% |
USD |
% |
|
USD |
% |
USD |
% |
|
Fondos Disponibles |
210.32 |
1.1% |
157.89 |
0.7% |
265.37 |
1.0% |
|
268.38 |
1.1% |
242.32 |
1.7% |
|
Inversiones |
2,073.14 |
11.1% |
1,901.61 |
8.1% |
1,122.19 |
4.4% |
|
2,268.66 |
9.0% |
7,441.81 |
52.7% |
|
Cartera de cr ditos |
12,452.47 |
66.9% |
12,409.04 |
52.8% |
4,571.82 |
18.1% |
|
13,812.90 |
55.0% |
4,138.40 |
29.3% |
|
Cuentas por cobrar |
2,978.38 |
16.0% |
3,184.88 |
13.6% |
11,701.19 |
46.3% |
|
2,823.42 |
11.2% |
1,446.02 |
10.2% |
|
Bienes realizables |
359.82 |
1.9% |
359.82 |
1.5% |
319.84 |
1.3% |
|
359.82 |
1.4% |
259.91 |
1.8% |
|
Propiedades y equipos |
482.62 |
2.6% |
446.24 |
1.9% |
396.06 |
1.6% |
|
436.08 |
1.7% |
371.20 |
2.6% |
|
Otros Activos |
47.47 |
0.3% |
5,025.21 |
21.4% |
6,922.34 |
27.4% |
|
5,131.27 |
20.4% |
226.61 |
1.6% |
|
Total Activo |
18,604.23 |
100.0% |
23,484.69 |
100.0% |
25,298.81 |
100.0% |
|
|
25,100.54 |
100.0% |
14,126.27 |
100.0% |
|
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Pasivo |
|
|||||||||||
Cuentas por Pagar |
1,578.31 |
16.8% |
1,826.56 |
12.8% |
1,470.07 |
8.8% |
|
2,549.75 |
15.1% |
1,205.28 |
23.6% |
|
Obligaciones Financieras |
7,650.00 |
81.2% |
6,200.00 |
43.3% |
11,700.00 |
70.0% |
|
9,400.00 |
55.7% |
1,700.00 |
33.3% |
|
Valores en Circulaci n |
- |
0.0% |
6,102.60 |
42.6% |
3,367.02 |
20.1% |
|
4,730.11 |
28.0% |
2,013.26 |
39.4% |
|
Otros Pasivos |
187.33 |
2.0% |
187.33 |
1.3% |
187.33 |
1.1% |
|
187.33 |
1.1% |
187.33 |
3.7% |
|
Total Pasivo |
9,415.64 |
100.0% |
14,316.49 |
100.0% |
16,724.41 |
100.0% |
|
|
16,867.19 |
100.0% |
5,105.87 |
100.0% |
|
||||||||||||
Capital Social |
3,943.41 |
42.9% |
3,943.41 |
43.0% |
3,943.41 |
46.0% |
|
3,943.41 |
47.9% |
3,943.41 |
43.7% |
|
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 |
48.6% |
3,998.99 |
44.3% |
|
Superavit por valuaciones |
50.18 |
0.5% |
- 55.17 |
-0.6% |
- 39.14 |
-0.5% |
|
- 38.12 |
-0.5% |
82.40 |
0.9% |
|
Resultados |
24.40 |
0.3% |
29.94 |
0.3% |
35.48 |
0.4% |
|
29.94 |
0.4% |
624.46 |
6.9% |
|
Resultado del Ejercicio |
1,253.64 |
13.6% |
1,207.69 |
13.2% |
588.97 |
6.9% |
|
252.45 |
3.1% |
324.47 |
3.6% |
|
Total Patrimonio |
9,188.59 |
100.0% |
9,168.20 |
100.0% |
8,574.40 |
100.0% |
|
|
8,233.36 |
100.0% |
9,020.41 |
100.0% |
|
||||||||||||
Total Pasivo + Patrimonio |
18,604.23 |
|
23,484.69 |
|
25,298.81 |
|
|
|
25,100.54 |
|
14,126.27 |
|
Estado de resultados
(USD MILES) |
dic-21 |
dic-22 |
dic-23 |
jun-23 |
jun-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% |
1,256.45 |
52.0% |
760.02 |
22.8% |
Comisiones |
- |
0.0% |
- |
- |
- |
- |
||||
Utilidades financieras |
- |
0.0% |
- |
0.0% |
6.00 |
0.1% |
6.00 |
0.2% |
2.00 |
0.1% |
Total Ingresos Financieros |
3,021.41 |
56.4% |
2,753.41 |
54.1% |
4,594.03 |
66.9% |
1,262.45 |
52.2% |
762.02 |
22.9% |
Intereses causados |
519.72 |
9.7% |
711.36
|
14.0% |
1,278.59 |
18.6% |
563.90 |
23.3% |
306.68 |
9.2% |
Comisiones causadas |
51.34 |
1.0% |
80.04 |
1.6% |
39.55 |
0.6% |
22.79 |
0.9% |
12.20 |
0.4% |
P rdidas Financieras |
41.18 |
0.8% |
0.07 |
0.0% |
0.04 |
0.0% |
0.02 |
0.0% |
520.94 |
15.6% |
Total Egreso Financiero |
612.24 |
11.4% |
791.47 |
15.6% |
1,318.18 |
19.2% |
586.71 |
24.3% |
839.82 |
25.2% |
|
|
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Margen Financiero |
2,409.17 |
45.0% |
1,961.94 |
38.6% |
3,275.85 |
47.7% |
675.74 |
28.0% |
-
77.80 |
-2.3% |
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% |
879.59 |
36.4% |
1,024.50 |
30.8% |
Egresos de operaci n |
2,138.56 |
39.9% |
2,210.53 |
43.5% |
2,267.58 |
33.0% |
1,072.45 |
44.4% |
1,031.60 |
31.0% |
Margen Operacional |
2,121.56 |
39.6% |
1,639.69 |
32.2% |
2,751.26 |
40.1% |
482.88 |
20.0% |
- 84.89 |
-2.5% |
Provisiones, depreciaciones |
585.52 |
10.9% |
91.31 |
1.8% |
2,273.10 |
33.1% |
312.41 |
12.9% |
894.32 |
26.9% |
Ingresos extraordinarios |
482.84 |
9.0% |
444.48 |
8.7% |
532.49 |
7.8% |
274.74 |
11.4% |
1,543.73 |
46.4% |
Egresos extraordinarios |
32.93 |
0.6% |
37.83 |
0.7% |
39.00 |
0.6% |
20.03 |
0.8% |
28.89 |
0.9% |
Utilidad antes de
impuestos y participaciones |
1,985.95 |
37.1% |
1,955.03 |
38.4% |
971.65 |
14.1% |
425.18 |
17.6% |
535.63 |
16.1% |
Participaci n de los empleados |
297.89 |
5.6% |
293.25 |
5.8% |
145.75 |
2.1% |
63.78 |
2.6% |
80.34 |
2.4% |
Impuesto a la renta |
434.42 |
8.1% |
454.08 |
8.9% |
236.93 |
3.4% |
108.95 |
4.5% |
130.81 |
3.9% |
Utilidad Neta |
1,253.64 |
23.4% |
1,207.69 |
23.7% |
588.97 |
8.6% |
252.45 |
10.4% |
324.47 |
9.7% |
Indicadores Financieros
|
NDICES FINANCIEROS |
dic-21 |
|
dic-22 |
dic-23 |
jun-23 |
jun-24 |
|
CAPITAL: |
|
|
|
|
||||
SOLVENCIA |
72.88% |
53.30% |
36.99% |
44.85% |
70.36% |
|||
|
|
|
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CALIDAD DE ACTIVOS: |
|
|
||||||
MOROSIDAD CARTERA VIVIENDA |
8.03% |
6.52% |
19.70% |
8.05% |
29.80% |
|||
MOROSIDAD CARTERA VIVIENDA
* |
8.03% |
6.52% |
9.89% |
8.05% |
29.80% |
|||
|
|
|
||||||
COBERTURA DE LA CARTERA DE
VIVIENDA |
197.21% |
225.81% |
172.69% |
160.99% |
117.08% |
|||
COBERTURA DE LA CARTERA DE
VIVIENDA* |
200.48% |
272.08% |
179.61% |
165.53% |
117.08% |
|||
|
|
|
||||||
MANEJO ADMINISTRATIVO: |
|
|
|
|||||
ACTIVOS PRODUCTIVOS |
207.69% |
128.36% |
46.23% |
121.76% |
328.23% |
|||
PASIVO CON COSTO |
||||||||
|
|
|
||||||
ACTIVOS PRODUCTIVOS * |
207.73% |
169.32% |
91.96% |
157.29% |
328.23% |
|||
PASIVO CON COSTO |
||||||||
|
|
|
||||||
|
|
|
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GRADO DE ABSORCI N: |
|
|
|
|
||||
GASTOS OPERATIVOS |
59.27% |
59.78% |
83.20% |
86.79% |
987.85% |
|||
MARGEN FINANCIERO |
||||||||
GASTOS DE PERSONAL |
7.42% |
5.84% |
5.09% |
4.72% |
6.34% |
|||
ACTIVO TOTAL PROMEDIO |
||||||||
GASTOS OPERATIVOS |
12.85% |
10.98% |
9.52% |
9.22% |
12.51% |
|||
ACTIVO TOTAL PROMEDIO |
||||||||
|
|
|
||||||
RENTABILIDAD |
|
|
|
|
||||
ROA: |
RESULTADO DEL EJERCICIO |
6.74% |
5.14% |
2.37% |
2.08% |
3.73% |
||
ACTIVO PROMEDIO |
||||||||
ROE: |
RESULTADO DEL EJERCICIO |
15.80% |
15.17% |
7.38% |
5.83% |
7.62% |
||
PATRIMONIO PROMEDIO |
||||||||
|
|
|
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* Incluye cartera
hipotecaria transferida al fideicomiso de titularizaci n que est en etapa de
acumulaci n |
|
|