Balance general
|
.(USD MILES) |
dic-20 |
dic-21 |
dic-22 |
|
oct-22 |
oct-23 |
||||||
|
|
|
|
|
|
|
(Acumulado) |
(Acumulado) |
|||||
|
|
|
|||||||||||
|
Activo |
USD |
% |
USD |
% |
USD |
% |
|
USD |
% |
USD |
% |
|
|
Fondos Disponibles |
229.03 |
1.2% |
210.32 |
1.1% |
157.89 |
0.7% |
|
199.82 |
0.9% |
173.44 |
0.7% |
|
|
Inversiones |
4,402.45 |
23.7% |
2,073.14 |
11.1% |
1,901.61 |
8.1% |
|
3,219.71 |
13.9% |
2,575.70 |
10.1% |
|
|
Cartera de créditos |
8,534.54 |
45.9% |
12,452.47 |
66.9% |
12,409.04 |
52.8% |
|
10,719.95 |
46.4% |
2,466.68 |
9.7% |
|
|
Cuentas por cobrar |
4,439.71 |
23.9% |
2,978.38 |
16.0% |
3,184.88 |
13.6% |
|
3,035.59 |
13.1% |
12,577.24 |
49.5% |
|
|
Bienes realizables |
359.82 |
1.9% |
359.82 |
1.9% |
359.82 |
1.5% |
|
359.82 |
1.6% |
339.83 |
1.3% |
|
|
Propiedades y equipos |
532.97 |
2.9% |
482.62 |
2.6% |
446.24 |
1.9% |
|
450.91 |
2.0% |
409.69 |
1.6% |
|
|
Otros Activos |
81.43 |
0.4% |
47.47 |
0.3% |
5,025.21 |
21.4% |
|
5,123.21 |
22.2% |
6,881.96 |
27.1% |
|
|
Total Activo |
18,579.94 |
100.0% |
18,604.23 |
100.0% |
23,484.69 |
100.0% |
|
|
23,109.02 |
100.0% |
25,424.54 |
100.0% |
|
|
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|
Pasivo |
|
|||||||||||
|
Cuentas por Pagar |
1,045.63 |
10.3% |
1,578.31 |
16.8% |
1,826.56 |
12.8% |
|
1,756.09 |
12.4% |
1,377.35 |
8.0% |
|
|
Obligaciones Financieras |
8,967.74 |
87.9% |
7,650.00 |
81.2% |
6,200.00 |
43.3% |
|
5,400.00 |
38.2% |
11,550.00 |
67.3% |
|
|
Valores en Circulación |
- |
0.0% |
- |
0.0% |
6,102.60 |
42.6% |
|
6,784.62 |
48.0% |
4,042.76 |
23.6% |
|
|
Otros Pasivos |
187.33 |
1.8% |
187.33 |
2.0% |
187.33 |
1.3% |
|
187.33 |
1.3% |
187.33 |
1.1% |
|
|
Total Pasivo |
10,200.69 |
100.0% |
9,415.64 |
100.0% |
14,316.49 |
100.0% |
|
|
14,128.03 |
100.0% |
17,157.43 |
100.0% |
|
|
||||||||||||
|
Capital Social |
3,943.41 |
47.1% |
3,943.41 |
42.9% |
3,943.41 |
43.0% |
|
3,943.41 |
43.9% |
3,943.41 |
47.7% |
|
|
Prima o Colocaciones de acciones |
46.68 |
0.6% |
46.68 |
0.5% |
46.68 |
0.5% |
|
46.68 |
0.5% |
46.68 |
0.6% |
|
|
Reservas |
3,821.43 |
45.6% |
3,870.28 |
42.1% |
3,995.64 |
43.6% |
|
3,995.64 |
44.5% |
3,998.99 |
48.4% |
|
|
Superavit por valuaciones |
60.97 |
0.7% |
50.18 |
0.5% |
- 55.17 |
-0.6% |
|
- 31.54 |
-0.4% |
- 35.09 |
-0.4% |
|
|
Resultados |
18.30 |
0.2% |
24.40 |
0.3% |
29.94 |
0.3% |
|
24.40 |
0.3% |
29.94 |
0.4% |
|
|
Resultado del Ejercicio |
488.46 |
5.8% |
1,253.64 |
13.6% |
1,207.69 |
13.2% |
|
1,002.39 |
11.2% |
283.17 |
3.4% |
|
|
Total Patrimonio |
8,379.25 |
100.0% |
9,188.59 |
100.0% |
9,168.20 |
100.0% |
|
|
8,980.99 |
100.0% |
8,267.11 |
100.0% |
|
|
||||||||||||
|
Total Pasivo + Patrimonio |
18,579.94 |
|
18,604.23 |
|
23,484.69 |
|
|
|
23,109.02 |
|
25,424.54 |
|
Estado de resultados
|
(USD MILES) |
dic-20 |
dic-21 |
dic-22 |
oct-22 |
oct-23 |
|||||
|
|
|
|
|
|
(Acumulado) |
(Acumulado) |
||||
|
USD |
% |
USD |
% |
USD |
% |
USD |
% |
USD |
% |
|
|
Intereses ganados |
3,267.63 |
60.9% |
3,021.41 |
56.4% |
2,753.41 |
54.1% |
2,279.12 |
56.0% |
2,095.82 |
52.4% |
|
Comisiones |
- |
0.0% |
- |
0.0% |
- |
- |
- |
|||
|
Utilidades financieras |
- |
0.0% |
- |
0.0% |
- |
0.0% |
- |
0.0% |
6.00 |
0.1% |
|
Total Ingresos Financieros |
3,267.63 |
60.9% |
3,021.41 |
56.4% |
2,753.41 |
54.1% |
2,279.12 |
56.0% |
2,101.82 |
52.5% |
|
Intereses causados |
1,603.71
|
29.9% |
519.72 |
9.7% |
711.36 |
14.0% |
556.01 |
13.7% |
1,035.51 |
25.9% |
|
Comisiones causadas |
56.76 |
1.1% |
51.34 |
1.0% |
80.04 |
1.6% |
54.31 |
1.3% |
35.51 |
0.9% |
|
Perdidas Financieras |
21.97 |
0.4% |
41.18 |
0.8% |
0.07 |
0.0% |
0.06 |
0.0% |
0.03 |
0.0% |
|
Total Egreso Financiero |
1,682.44 |
31.4% |
612.24 |
11.4% |
791.47 |
15.6% |
610.38 |
15.0% |
1,071.06 |
26.8% |
|
|
||||||||||
|
Margen Financiero |
1,585.20 |
29.6% |
2,409.17 |
45.0% |
1,961.94 |
38.6% |
1,668.74 |
41.0% |
1,030.77 |
25.7% |
|
Ingresos ordinarios |
- |
0.0% |
- |
0.0% |
- |
0.0% |
- |
0.0% |
- |
0.0% |
|
Ingreso por servicios |
1,441.85 |
26.9% |
1,850.95 |
34.6% |
1,888.27 |
37.1% |
1,592.91 |
39.2% |
1,466.11 |
36.6% |
|
Egresos de operación |
1,939.38 |
36.2% |
2,138.56 |
39.9% |
2,210.53 |
43.5% |
1,743.00 |
42.9% |
1,772.04 |
44.3% |
|
Margen Operacional |
1,087.67 |
20.3% |
2,121.56 |
39.6% |
1,639.69 |
32.2% |
1,518.66 |
37.3% |
724.84
|
18.1% |
|
Provisiones, depreciaciones |
936.91 |
17.5% |
585.52 |
10.9% |
91.31 |
1.8% |
75.70 |
1.9% |
664.32 |
16.6% |
|
Ingresos extraordinarios |
652.61 |
12.2% |
482.84 |
9.0% |
444.48 |
8.7% |
194.30 |
4.8% |
435.47 |
10.9% |
|
Egresos extraordinarios |
13.09 |
0.2% |
32.93 |
0.6% |
37.83 |
0.7% |
31.92 |
0.8% |
21.37 |
0.5% |
|
Utilidad antes de
impuestos y participaciones |
790.28 |
14.7% |
1,985.95 |
37.1% |
1,955.03 |
38.4% |
1,605.33 |
39.5% |
474.62 |
11.9% |
|
Participación de los empleados |
118.54 |
2.2% |
297.89 |
5.6% |
293.25 |
5.8% |
240.80 |
5.9% |
71.19 |
1.8% |
|
Impuesto a la renta |
183.27 |
3.4% |
434.42 |
8.1% |
454.08 |
8.9% |
362.14 |
8.9% |
120.25 |
3.0% |
|
Utilidad Neta |
488.46 |
9.1% |
1,253.64 |
23.4% |
1,207.69 |
23.7% |
1,002.39
|
24.7% |
283.17 |
7.1% |
Indicadores Financieros
|
|
ÍNDICES FINANCIEROS |
dic-20 |
|
dic-21 |
dic-22 |
oct-22 |
oct-23 |
|
|
CAPITAL: |
|
|
|
|
||||
|
SOLVENCIA |
63.72% |
72.88% |
77.56% |
76.23% |
36.89% |
|||
|
|
|
|
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|
CALIDAD DE ACTIVOS: |
|
|
||||||
|
MOROSIDAD CARTERA VIVIENDA |
18.31% |
8.03% |
6.52% |
7.53% |
32.28% |
|||
|
MOROSIDAD CARTERA VIVIENDA
* |
18.31% |
8.03% |
4.43% |
4.93% |
12.73% |
|||
|
|
|
|
||||||
|
COBERTURA DE LA CARTERA DE
VIVIENDA |
76.33% |
197.21% |
225.81% |
238.58% |
139.10% |
|||
|
COBERTURA DE LA CARTERA DE
VIVIENDA* |
76.33% |
235.21% |
231.81% |
244.40% |
154.11% |
|||
|
|
|
|
||||||
|
MANEJO ADMINISTRATIVO: |
|
|
|
|||||
|
ACTIVOS PRODUCTIVOS |
147.45% |
207.69% |
128.36% |
128.46% |
37.16% |
|||
|
PASIVO CON COSTO |
||||||||
|
|
|
|
||||||
|
ACTIVOS PRODUCTIVOS * |
147.49% |
207.73% |
169.32% |
169.87% |
81.37% |
|||
|
PASIVO CON COSTO |
||||||||
|
|
|
|
||||||
|
|
|
|
||||||
|
GRADO DE ABSORCIÓN: |
|
|
|
|
||||
|
GASTOS OPERATIVOS |
93.51% |
59.27% |
59.78% |
55.76% |
96.84% |
|||
|
MARGEN FINANCIERO |
||||||||
|
GASTOS DE PERSONAL |
3.54% |
7.42% |
5.84% |
5.56% |
4.76% |
|||
|
ACTIVO TOTAL PROMEDIO |
||||||||
|
GASTOS OPERATIVOS |
7.01% |
12.85% |
10.98% |
10.65% |
9.03% |
|||
|
ACTIVO TOTAL PROMEDIO |
||||||||
|
|
|
|
||||||
|
RENTABILIDAD |
|
|
|
|
||||
|
ROA: |
RESULTADO DEL EJERCICIO |
2.63% |
6.74% |
5.14% |
5.87% |
1.38% |
||
|
ACTIVO PROMEDIO |
||||||||
|
ROE: |
RESULTADO DEL EJERCICIO |
6.19% |
15.80% |
15.17% |
14.63% |
4.04% |
||
|
PATRIMONIO PROMEDIO |
||||||||
|
|
|
|
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|
* Incluye cartera
hipotecaria transferida al fideicomiso de titularización que está en etapa de
acumulación |
|
|
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