Marzo (Tamaño Archivo: 6930KB) - Comisión Nacional de Bancos y

Transcription

COMISION NACIONAL DE
BANCOS Y SEGUROS
BOLETIN ESTADISTICO MENSUAL DEL
SISTEMA FINANCIERO Y DE SEGUROS
MARZO DE 2011
BOLETIN ESTADISTICO MENSUAL DEL SISTEMA FINANCIERO Y ASEGURADOR CONTENIDO MARZO 2011
I. INSTITUCIONES SUPERVISADAS POR LA COMISIÓN NACIONAL DE BANCOS Y SEGUROS II. ESTADÍSTICAS DEL SISTEMA FINANCIERO II.1 Estadísticas Consolidadas del Sistema a. Posición del Sistema b. Principales Cuentas de Balance y Estado de Resultado c. Préstamos i. Préstamos y descuentos por Institución según Destino ii. Préstamos Nuevos por Institución según Destino. iii. Distribución Geográfica de los Préstamos y Descuentos Según Destino iv. Distribución Geográfica de los Préstamos y Descuentos v. Comportamiento de la Cartera de Tarjeta de Crédito d. Depósitos i. Depósitos de Ahorro • Por Institución • Por escala • Distribución Geográfica ii. Depósitos a la Vista • Por Institución • Por Escala • Distribución Geográfica iii. Depósitos a Término • Por Institución • Por Escala • Distribución Geográfica e. Tasas Activas y Pasivas i. Tasas Activas Moneda Nacional (M/N) • Bancos Comerciales • Sociedades Financieras ii. Tasas Activas Moneda Extranjera (M/E) • Bancos Comerciales • Sociedades Financieras iii. Tasas Pasivas Moneda Nacional (M/N) • Bancos Comerciales • Sociedades Financieras iv. Tasas Pasivas Moneda Extranjera (M/E) • Bancos Comerciales • Sociedades Financieras II.2 Estadísticas por Sub Sistema a. Indicadores Financieros por Sub Sistema i. Bancos Comerciales ii. Sociedades Financieras iii. Oficinas de Representación b. Balance y Estado de Resultado i. Bancos Comerciales ii. Sociedades Financieras iii. Oficinas de Representación iv. Bancos de Segundo Piso III. ESTADÍSTICAS DEL SISTEMA ASEGURADOR a. Posición del Sistema b. Principales Indicadores c. Balance y Estado de Resultado d. Primas y Siniestros Totales IV. NÓMINAS DE CONSEJOS DE ADMÓN Y/O JUNTAS DIRECTIVAS Y PRINCIPALES FUNCIONARIOS V. DEFINICION DE TERMINOS TECNICOS DE INDICADORES FINANCIEROS NOTA: LAS CIFRAS PRESENTADAS EN ESTE DOCUMENTO TIENEN COMO FUENTE LA INFORMACION RECIBIDA DEL SISTEMA SUPERVISADO Y ESTAN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA CNBS. I. INSTITUCIONES SUPERVISADAS POR LA COMISION NACIONAL DE BANCOS Y SEGUROS INSTITUCIONES SUPERVISADAS POR LA COMISION NACIONAL DE BANCOS Y SEGUROS Datos al 31 de Marzo de 2011
No.
INSTITUCION
NOMBRE
DE
REFERENCIA
FECHA
INICIO DE
OPERAC.
OFICINA
PRINCIPAL
(Ciudad)
SUCURSA‐
LES
AGENCIAS
VENTANI‐
LLAS DE
SERVICIO
OTRAS
OFICINAS
1/
No. TOTAL
DE
OFICINAS
Regresar
No. TOTAL
DE FUNC. Y
EMPLEADOS
BANCOS COMERCIALES
1
Banco de Honduras, S.A.
Honduras
2‐Oct‐1889
Tegucigalpa
1
0
0
0
2
48
2
Banco Atlántida, S.A.
Bancatlán
2‐oct‐1914
Tegucigalpa
16
114
50
298
479
2,183
3,515
3
Banco de Occidente, S.A.
Bancocci
1‐sep‐1951
Sta. Rosa de C.
8
11
117
37
174
4
Banco de los Trabajadores
Bancotrab
1‐may‐1967
Tegucigalpa
7
27
0
1
36
525
5
Banco Continental, S.A.
Bancon
20‐may‐1974
San Pedro Sula
0
43
29
10
83
613
6
Banco Financiera Centroamericana, S.A.
Ficensa
23‐ago‐1976
Tegucigalpa
7
13
2
3
26
354
7
Banco Hondureño del Café, S.A.
Banhcafé
4‐may‐1981
Tegucigalpa
1
34
3
0
39
621
8
Banco del País, S.A. Banpaís
9‐jul‐1992
San Pedro Sula
2
65
39
14
121
1,774
9
Banco Financiera Comercial Hondureña, S.A.
1,376
Ficohsa
18‐jul‐1994
Tegucigalpa
1
15
45
349
411
10 Banco Lafise, Honduras Lafise
1‐jul‐1997
Tegucigalpa
1
25
3
14
44
463
11 Banco HSBC Honduras, S.A. HSBC
1‐jul‐2000
Tegucigalpa
2
47
9
87
146
1,268
12 Banco Promérica, S.A.
Promerica
10‐ene‐2001
Tegucigalpa
0
17
7
0
25
561
Citibank de Honduras
2‐oct‐2004
Tegucigalpa
2
21
14
0
38
666
14 Banco Procredit Honduras, S.A. Banco Procredit
18‐jun‐2007
Tegucigalpa
1
13
0
10
25
314
15 Banco Azteca de Honduras, S.A. Banco Azteca
29‐jul‐2007
Tegucigalpa
0
58
0
0
59
324
Bancovelo
1‐feb‐2008
Tegucigalpa
0
21
0
0
22
334
Bac | Honduras
18‐mar‐1998
Tegucigalpa
1
55
20
32
109
2,917
17
50
579
338
855
1,839
17,856
892
13 Banco Citibank de Honduras, S.A. 16 Banco Popular Covelo, S.A. 17 Banco de América Central Honduras, S. A. Totales
BANCOS ESTATALES
1
Banco Central de Honduras 2
Banco Nacional de Desarrollo Agrícola B.C.H.
1‐jul‐1950
Tegucigalpa
3
0
0
0
4
Banadesa
1‐abr‐1980
Tegucigalpa
0
29
11
0
41
787
2
3
29
11
0
45
1,679
11
Totales
SOCIEDADES FINANCIERAS
1
Financiera Codimersa, S.A.
Codimersa
11‐sep‐1997
Sta. Rosa de C.
0
1
0
0
2
2
Arrendamientos y Créditos Atlántida, S.A.
Acresa
19‐feb‐1998
Tegucigalpa
0
1
0
0
2
44
3
Financiera Credi Q, S.A. Credi Q
13‐may‐1999
Tegucigalpa
4
0
0
0
5
100
4
Financiera Solidaria, S.A.
Finsol
1‐jun‐1999
San Pedro Sula
0
18
0
1
20
202
5
Financiera del Caribe, S.A.
Ficasa
5‐ago‐1999
La Ceiba
0
0
0
0
1
10
6
Corporación Financiera Internacional, S.A.
Cofinter
12‐ago‐1999
Tegucigalpa
0
0
0
0
1
21
7
Financiera Popular Ceibeña, S.A.
FPC
26‐ago‐1999
La Ceiba
3
0
0
0
4
54
8
Compañía Financiera, S.A.
Cofisa
16‐sep‐1999
San Pedro Sula
0
6
2
0
9
75
9
Financiera Insular, S.A.
Finisa
1‐sep‐2003
Islas de la Bahia
0
0
0
0
1
12
Finca
2‐jun‐2008
Tegucigalpa
7
5
0
0
13
160
ODEF Financiera
1‐jul‐2008
San Pedro Sula
0
31
0
0
32
294
11
14
62
2
1
90
983
3
10 Financiera Finca Honduras, S.A.
11 Organización de Desarrollo Empresarial Femenino Financiera, S.A. Totales
OFICINAS DE REPRESENTACION
1
Banco Agrícola, (El Salvador), S.A
2
Laad Americas, S.A. Bac El Salvador
4‐feb‐2002
Tegucigalpa
0
0
0
0
1
Laad
21‐feb‐2006
San Pedro Sula
0
0
0
0
1
1
2
0
0
0
0
2
4
Totales
BANCA DE SEGUNDO PISO
1
Régimen de Aportaciones Privadas
2
Banco Hondureño para la Producción y la Vivienda R.A.P.
1‐mar‐1993
Tegucigalpa
0
2
0
0
3
104
Banhprovi
1‐abr‐2005
Tegucigalpa
0
0
0
0
1
111
2
0
2
0
0
4
215
197
Totales
INSTITUCIONES DE SEGUROS
1
Seguros HSBC, Honduras, S.A. HSBC Seguros
17‐ene‐1917
Tegucigalpa
0
2
0
0
3
2
Pan American Life Insurance Company
Palic
31‐mar‐1944
Tegucigalpa
0
0
0
1
2
75
3
Aseguradora Hondureña Mundial, S.A. Aseguradora Mundial
9‐jul‐1954
Tegucigalpa
2
0
0
0
3
142
Ficohsa Seguros
12‐abr‐1957
Tegucigalpa
1
1
0
0
3
284
American
28‐oct‐1958
Tegucigalpa
1
0
0
0
2
30
Continental
15‐oct‐1968
San Pedro Sula
0
1
0
0
2
92
Atlántida
1‐ene‐1986
Tegucigalpa
1
3
5
0
10
204
2/
4
Interamericana de Seguros, S.A. 5
American Home Assurance Company
6
Seguros Continental, S.A.
7
Seguros Atlántida, S.A.
8
Seguros Crefisa, S.A.
Crefisa
1‐sep‐1993
Tegucigalpa
0
2
0
0
3
151
9
Seguros Equidad, S.A.
Seguros Equidad
24‐mar‐2000
Tegucigalpa
1
0
0
0
2
60
Del País
7‐feb‐2002
San Pedro Sula
1
0
0
0
2
55
Seguros Cuscatlan
12‐dic‐2006
Tegucigalpa
0
0
0
0
1
14
Seguros Lafise
1‐dic‐2009
Tegucigalpa
0
1
0
0
2
20
12
7
10
5
1
35
1,324
Tegucigalpa
1
0
0
0
2
1,034
1
1
0
0
0
2
1,034
160
10 Seguros del País, S.A
11 Seguros Cuscatlán de Honduras, S.A. 12 Seguros Lafise (Honduras), S.A.
Totales
EMISORAS DE TARJETAS DE CREDITO
1
Cititarjetas de Honduras, S.A. Cititarjetas
6‐abr‐2000
Totales
PROCESADORAS DE TARJETAS DE CREDITO
1
Credomatic de Honduras, S.A.
2
Ventas Internacionales, S.A.
3
Corporación de Créditos Atlántida, S.A. de C.V.
4
ALCANCE, S.A. de C.V.
CREDOMATIC
13‐may‐1976
Tegucigalpa
0
0
0
2
3
VISA
16‐may‐1978
Tegucigalpa
0
0
0
0
1
1
CREDITLAN 3‐feb‐1992
Tegucigalpa
0
0
0
0
1
231
Alcance
9‐nov‐2006
Tegucigalpa
1
0
0
0
2
825
4
1
0
0
2
7
1,217
Tegucigalpa
0
0
0
2
3
42
1
0
0
0
2
3
42
Totales
FONDOS PRIVADOS DE PENSIONES
1
Administradora de Fondos de Pensiones Atlantida, S.A.
Totales
AFP Atlántida
24‐jul‐1998
INSTITUCIONES SUPERVISADAS POR LA COMISION NACIONAL DE BANCOS Y SEGUROS Datos al 31 de Marzo de 2011
No.
INSTITUCION
NOMBRE
DE
REFERENCIA
FECHA
INICIO DE
OPERAC.
OFICINA
PRINCIPAL
(Ciudad)
SUCURSA‐
LES
AGENCIAS
VENTANI‐
LLAS DE
SERVICIO
OTRAS
OFICINAS
1/
No. TOTAL
DE
OFICINAS
No. TOTAL
DE FUNC. Y
EMPLEADOS
FONDOS PUBLICOS DE PENSIONES
1
Instituto Hondureño de Seguridad Social
IHSS
1‐mar‐1960
Tegucigalpa
24
0
0
0
25
5,585
2
Instituto de Previsión Militar
IPM
9‐jun‐1972
Tegucigalpa
1
0
0
0
2
219
3
Inst. Nac. de Jubil. y Pen. de Emp. y Func. Púb.
Injupemp
30‐abr‐1976
Tegucigalpa
5
0
0
0
6
608
4
Instituto Nacional de Previsión del Magisterio Inprema
1‐ago‐1980
Tegucigalpa
1
0
0
2
4
432
5
Instituto de Previsión Social de los Emp. de la U.N.A.H
Inpreunah
27‐jun‐1989
Tegucigalpa
0
0
0
2
3
37
5
31
0
0
4
40
6,881
Tegucigalpa
0
0
0
0
1
7
1
0
0
0
0
1
7
Totales
BOLSAS DE VALORES
1
Bolsa Centroamericana de Valores, S.A.
B.C.V.
10‐sep‐1993
Totales
CASAS DE BOLSAS 1
Casa de Bolsa de Valores, S.A.
2
Promociones e Inversiones en Bolsa, S.A.
3
Fomento Financiero, S.A.
4
Sonival, Casa de Bolsa, S.A.
5
Promotora Bursátil, S.A.
6
Continental Casa de Bolsa, S.A.
7
Mercantil de Valores, S.A.
8
Lafise, Valores de Honduras, S.A.
Cabval
23‐jun‐1990
Tegucigalpa
0
0
0
0
1
5
Probolsa
30‐ago‐1990
San Pedro Sula
0
0
0
0
1
1
Fomento Financiero
30‐ago‐1990
Tegucigalpa
0
0
0
0
1
7
Sonival
23‐jul‐1993
Tegucigalpa
0
0
0
0
1
5
Probursa
10‐jul‐1993
Tegucigalpa
0
0
0
0
1
3
Continental
30‐jul‐1993
San Pedro Sula
0
0
0
0
1
1
Mervalores
19‐oct‐1993
Tegucigalpa
0
0
0
0
1
1
Lafise
1‐ago‐1995
Tegucigalpa
0
0
0
0
1
1
8
0
0
0
0
8
24
56
Totales
ALMACENES GRALES. DE DEPOSITO
1
Almacenes de Depósito, S.A.
Aldesa
2‐may‐1968
San Pedro Sula
2
0
0
3
6
2
Compañía Almacenadora, S.A. Coalsa
1‐may‐1971
Tegucigalpa
1
0
0
0
2
73
3
Almacenes de Depósito Continental, S.A.
Aldeconsa
25‐dic‐1985
San Pedro Sula
0
0
0
3
4
20
4
Almacenes Generales de Depósitos de Café, S.A.
Almacafé
8‐abr‐1987
San Pedro Sula
2
0
0
4
7
37
5
Almacenadora Hondureña, S.A.
Almahsa
8‐feb‐1995
San Pedro Sula
0
0
0
0
1
20
5
5
0
0
10
20
206
Totales
CASAS DE CAMBIO
3/
1
Divisas Corporativas‐Casa de Cambio, S.A. Ficohsa Casa de Cambio
7‐jul‐1992
Tegucigalpa
1
0
0
0
2
21
2
Roble Viejo, S.A.
Roviesa
27‐jul‐1992
Tegucigalpa
0
0
0
0
1
7
3
La Confianza, S.A.
Confianza
5‐feb‐1993
Las Manos
0
0
0
0
1
5
4
Corporación de Inversiones Nacionales, S.A.
Coinsa
2‐dic‐1992
Tegucigalpa
1
0
3
0
5
26
5
América CDC, Casa de Cambio, S.A. de C.F. América CDC
13‐jul‐1993
San Pedro Sula
1
0
0
0
2
18
6
Servigiros, S.A
Servigiros
6‐nov‐2000
Tegucigalpa
0
0
0
0
1
7
6
3
0
3
0
12
84
San Marcos de Ocotepeque
0
12
12
0
25
125
Totales
ORGANIZACIONES PRIVADAS DE DESARROLLO FINANCIERAS
1
Fundación Microfinanciera Hermandad de Honduras, OPDF
2
Asociación Familia y Medio Ambiente, OPDF
3
Fundación para el Desarrollo de Honduras Visión Fund, OPDF
Proyectos e Iniciativas Locales para el Autodesarrollo Regional de Honduras, OPDF 4
Fondo para el Desarrollo Local de Honduras, OPDF
5
HDH ‐ OPDF
30‐nov‐2005
FAMA
2‐dic‐2005
Juticalpa
0
12
0
0
13
129
FUNED
PILARH, OPDF
1‐feb‐2008
0
14
0
0
0
8
0
0
15
9
123
22‐jun‐2008
Tegucigalpa
Sta. Rosa de C.
CREDISOL, OPDF
17‐dic‐2008
Tocoa, Colon
2
0
0
0
3
45
5
2
46
12
0
65
487
Totales
65
CENTRALES DE RIESGO PRIVADAS
1
TransUnion Honduras ‐ Buró de Crédito, S.A.
2
Equifax Honduras ‐ Central de Riesgo Privada, S.A. TransUnion
20‐jul‐2002
Tegucigalpa
0
0
0
1
2
12
Equifax Honduras
21‐nov‐2006
Tegucigalpa
0
0
0
0
1
10
2
0
0
0
1
3
22
Totales
SOCIEDADES CLASIFICADORAS DE RIESGO
1
Fitch Centroamérica, S.A. Fitch Centroamérica
18‐jun‐2004
San Pedro Sula
0
0
0
0
1
1
2
Sociedad Clasificadora de Riesgo Honduras, S.A. SC Riesgo Honduras
26‐ago‐2008
San Pedro Sula
0
0
0
0
1
2
2
0
0
0
0
2
3
Totales
SOCIEDADES REMESADORAS DE DINERO *
1
Ficohsa Remesas, S.A.
Ficohsa Remesas
11‐nov‐2010
Tegucigalpa
0
0
0
0
1
6
2
Servigiros Remesadora, S.A. Servigiros 9‐nov‐1996
Tegucigalpa
N/D
N/D
N/D
N/D
1
N/D
3
Remesas Giros Latinos, S. A. Giros Latinos
22‐oct‐1999
San Pedro Sula
0
0
0
0
1
34
4
Correo y Remesas Electronicas, S.A.
17‐may‐1995
Tegucigalpa
0
3
3
0
7
54
5
Remesadora Centroamericana Honduras, S.A. Corelsa
Remesadora Centroamericana
8‐oct‐2010
San Pedro Sula
N/D
N/D
N/D
N/D
1
N/D
6
Transremesas, S.A. Transremesas
5‐jul‐2011
4/ La Ceiba
0
0
0
0
1
0
Totales
6
0
3
3
0
12
94
TOTAL 92
117
731
374
876
2,190
32,162
1/
En "Otras" se incluyen, según corresponda a cada institución, autobancos, cajeros automáticos, bodegas habilitadas y otras oficinas de atención al público.
2/
Autorizado para identificarse con el nombre comercial de "FICOHSA SEGUROS" mediante Resolución de Banco Central de Honduras No. 311‐8/2010
3/
Autorizado para identificarse con el nombre comercial de "FICOHSA CASA DE CAMBIO" mediante Resolución de Banco Central de Honduras No. 321‐9/2010 4/ Pendiente de inicio de operaciones
* Autorizadas como Instituciones Supervisadas por la Comisión Nacional de Bancos y Seguros a partir del año 2010
POSICIÓN DEL SISTEMA DE BANCOS COMERCIALES
Al 31 de Marzo de 2011
(Cifras en Millones de Lempiras)
Regresar
Activos Totales
250,622.8
Saldo
Posición
24,799.1
1
17,260.8
4
22,350.7
2
18,494.5
3
11,518.4
6
15,691.9
5
4,052.1
10
4,687.2
9
5,370.4
7
5,012.3
8
3,324.4
11
1,826.6
13
928.7
15
2,113.9
12
762.0
17
1,000.2
14
855.9
16
140,049.2
4,000.0
Capital y Reservas
Utilidades
Saldo
Posición
3,984.0
1
2,660.4
4
2,831.9
3
2,932.9
2
1,582.9
6
1,634.5
5
798.7
8
651.5
9
470.9
11
1,103.9
7
398.0
13
405.6
12
527.4
10
304.5
17
377.4
15
326.7
16
379.0
14
151,407.0
Saldo
125.1
114.5
120.8
111.9
7.3
93.2
6.2
18.1
20.0
32.8
16.9
13.5
7.8
7.3
23.3
‐14.2
0.5
21,370.4
Rendimiento Sobre el Patrimonio
Posición
1
3
2
4
13
5
15
9
8
6
10
11
12
14
7
17
16
Porcentaje
705.0
3.30
Capital y Reserva
3,984.0
3,000.0
millones de lempiras
2,660.4
2,831.9 2,932.9
2,500.0
2,000.0
1,500.0
1,582.9 1,634.5
1,103.9
1,000.0
798.7
651.5
500.0
470.9
398.0
405.6
527.4
304.5
377.4
326.7
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BC
LA
N
OC
CI
DE
NT
E FIC
O
BA
HS
C A
HO
ND
UR
AS
0.0
AT
Posición
3.14
4.30
4.27
3.81
0.46
5.70
0.78
2.78
4.25
2.97
4.23
3.32
1.48
2.40
6.18
‐4.36
0.14
3,500.0
NC
TOTALES
BA
INSTITUCIONES
BANCATLAN
OCCIDENTE FICOHSA
BAC HONDURAS HSBC
BANPAIS
CITI
FICENSA
LAFISE
CONTINENTAL
PROMERICA
BANHCAFE
HONDURAS
TRABAJADORES
AZTECA
PROCREDIT COVELO Cartera Crediticia
Saldo
Posición
41,990.9
1
37,125.4
2
36,009.6
3
34,493.8
4
21,761.7
5
21,721.2
6
9,350.4
7
8,968.6
8
8,442.2
9
7,803.7
10
6,321.0
11
4,602.8
12
4,586.4
13
3,408.7
14
1,486.5
15
1,467.7
16
1,082.3
17
Depositos Ordinarios del Publico
Saldo
Posición
27,695.7
2
28,921.5
1
19,934.4
3
18,717.0
4
12,960.0
6
14,321.6
5
5,736.2
7
3,650.1
10
4,755.8
8
3,745.5
9
3,284.5
11
2,480.6
12
1,461.1
14
1,637.6
13
865.0
16
936.6
15
303.9
17
379.0
9
3
4
7
15
2
14
11
5
10
6
8
13
12
1
17
16
POSICIÓN DE LAS SOCIEDADES FINANCIERAS
Activos Totales
Saldo
Posición
1,155.3
1
98.0
8
639.5
2
575.2
3
566.2
4
194.9
5
165.8
6
122.0
7
84.0
9
80.1
10
71.9
11
5,727.8
Depositos Ordinarios del Publico
Saldo
Posición
1,003.7
1
400.2
2
247.6
4
253.7
3
186.9
5
101.0
7
153.6
6
5.3
11
54.3
8
36.2
9
18.0
10
3,752.9
Capital y Reservas
Saldo
247.0
148.2
134.2
102.5
158.6
81.6
55.4
54.2
50.8
51.8
65.6
2,460.7
Posición
1
3
4
5
2
6
8
9
11
10
7
Utilidades
Saldo
8.0
6.0
7.2
9.0
2.6
4.1
1.0
0.6
0.4
0.9
2.1
1,149.9
Rendimiento Sobre el Patrimonio
Posición
2
4
3
1
6
5
8
10
11
9
7
41.9
Utilidades
9.0
8.0
7.0
6.0
5.0
4.0
3.0
2.0
1.0
CO
DI
M
ER
SA
CA
RI
BE
IN
SU
LA
R
CA
FIN
C
FP
TE
R
CO
FI
N
SO
LID
AR
IA
CO
FI
SA
OD
EF
A
0.0
AC
RE
S
TOTALES
Saldo
Posición
1,551.5
1
919.7
2
830.5
3
734.6
4
698.0
5
247.9
6
239.1
7
157.5
8
123.7
9
119.8
10
105.5
11
CR
ED
I Q
INSTITUCIONES
CREDI Q
ACRESA
ODEF
COFISA
SOLIDARIA
COFINTER
FPC
FINCA
INSULAR
CARIBE CODIMERSA
Cartera Crediticia
Porcentaje
3.3
4.0
5.3
8.8
1.6
5.1
1.9
1.1
0.8
1.7
3.1
3.6
Posición
5
4
2
1
9
3
7
10
11
8
6
BANCOS COMERCIALES: CUENTAS DE BALANCE
Consolidado Marzo 2011
en miles de lempiras
Regresar
ACTIVO
BANCOS
Consolidado
Disponibilidades
20,175,034.4
ACTIVOS Otros Activos 1/ CONTIGENTES
Préstamos, Descuentos y Negociaciones
Intereses por Cobrar
54,777,452.2
131,812,489.2
1,387,703.2
7,699,388.6
5,413,517.6
Inversiones
Activos Fijos
TOTAL ACTIVO
29,357,245.9
250,622,831.1
41,990,903.2
Atlántida
4,220,465.2
9,769,322.9
23,061,342.2
251,857.4
1,312,710.3
980,250.9
2,394,954.3
Honduras
372,757.8
1,071,622.2
769,781.2
2,187.3
29,976.5
61,403.6
2,278,627.6
4,586,356.1
Occidente
2,341,061.8
15,238,339.9
16,538,675.5
236,619.0
1,281,450.4
652,174.9
837,047.0
37,125,368.4
Trabajadores
187,222.6
700,322.4
2,048,411.8
33,853.8
285,580.3
121,716.7
31,606.7
3,408,714.3
Continental
441,119.2
1,758,049.5
4,608,756.0
52,927.7
282,878.2
197,469.6
462,472.5
7,803,672.6
Ficensa
818,285.3
940,068.5
4,485,106.0
22,065.3
106,994.2
38,008.3
2,558,092.4
8,968,620.0
Banhcafe
262,285.9
1,458,224.1
1,741,757.2
26,126.1
215,649.7
77,623.0
821,138.7
4,602,804.8
Banpais
1,728,506.8
2,673,142.4
15,091,425.1
117,716.1
914,325.5
276,705.9
919,398.1
21,721,220.0
Ficohsa
3,148,831.5
6,054,422.9
20,797,571.7
152,792.0
697,322.8
1,017,847.1
4,140,837.6
36,009,625.6
Lafise
731,568.9
1,365,569.4
4,878,553.5
46,953.0
260,447.3
260,469.3
898,609.7
8,442,171.2
HSBC
21,761,720.8
1,304,074.7
5,269,624.5
10,520,256.8
84,714.9
982,602.6
630,140.0
2,970,307.4
Promérica
443,573.6
542,329.3
3,181,169.7
69,001.4
144,992.1
61,023.6
1,878,870.1
6,320,959.8
Procredit
96,324.0
208,822.5
983,653.8
16,159.3
86,580.4
75,761.7
404.6
1,467,706.2
Azteca
128,534.4
481,981.9
745,053.0
16,900.8
4,965.6
109,074.9
0.0
1,486,510.6
Covelo
33,653.5
72,814.5
840,513.4
11,549.6
49,705.5
70,230.1
3,863.4
1,082,330.0
Bac ‐Honduras
2,891,114.9
5,365,768.4
17,666,230.8
118,364.0
698,234.0
579,109.6
7,174,948.6
34,493,770.3
Citibank
1,025,654.3
1,807,027.0
3,854,231.6
127,915.6
344,973.0
204,508.5
1,986,067.2
9,350,377.1
PASIVO
BANCOS
Consolidado
Exigibilidades
Obligaciones Bancarias
Reservas de Valuación
Reservas Eventuales
2/
Otros Pasivos CAPITAL Y RESERVAS DE CAPITAL
PASIVOS TOTAL PASIVO Y CONTIGENTES
CAPITAL
155,063,988.8
29,293,266.5
10,292,577.5
1,988,315.3
1,446,368.5
23,181,068.6
29,357,245.9
250,622,831.1
Atlántida
28,411,538.3
4,392,558.0
2,293,501.0
180,440.3
190,202.9
4,127,708.4
2,394,954.3
41,990,903.2
Honduras
1,656,969.1
7,326.8
54,790.3
45,012.2
8,442.3
535,187.9
2,278,627.6
4,586,356.1
Occidente
37,125,368.4
29,183,938.6
1,179,139.4
1,959,808.2
615,343.1
567,606.5
2,782,485.6
837,047.0
Trabajadores
1,750,324.3
779,393.3
352,089.3
102,821.4
80,649.3
311,830.0
31,606.7
3,408,714.3
Continental
4,058,087.8
1,776,107.3
314,605.6
23,457.3
32,197.0
1,136,745.2
462,472.5
7,803,672.6
Ficensa
3,528,047.6
1,812,498.4
242,625.8
57,195.0
7,060.8
763,100.0
2,558,092.4
8,968,620.0
Banhcafe
2,574,976.6
506,430.6
168,076.7
29,976.0
14,139.6
488,066.6
821,138.7
4,602,804.8
Banpais
14,631,823.3
2,904,473.2
827,933.2
186,989.8
205,408.7
2,045,193.6
919,398.1
21,721,220.0
Ficohsa
19,985,582.0
7,164,728.8
1,239,543.5
154,006.3
148,759.1
3,176,168.4
4,140,837.6
36,009,625.6
Lafise
4,906,435.9
1,747,355.3
222,802.0
52,804.6
28,757.8
585,406.0
898,609.7
8,442,171.2
HSBC
13,534,994.3
2,358,689.1
931,571.7
81,641.1
68,357.6
1,816,159.6
2,970,307.4
21,761,720.8
3,361,627.8
409,104.3
191,831.3
18,651.4
4,487.7
456,387.3
1,878,870.1
6,320,959.8
Procredit
960,727.0
99,224.1
77,007.8
2,341.5
1,270.3
326,730.9
404.6
1,467,706.2
Azteca
945,228.7
0.0
90,291.5
32,489.1
17,815.0
400,686.3
0.0
1,486,510.6
Covelo
321,402.0
298,715.6
68,829.2
9,641.5
396.1
379,482.1
3,863.4
1,082,330.0
19,454,918.2
3,608,249.7
848,679.1
300,305.0
61,840.2
3,044,829.4
7,174,948.6
34,493,770.3
5,797,367.2
249,272.5
408,591.3
95,199.8
8,977.8
804,901.3
1,986,067.2
9,350,377.1
Promérica
Bac ‐Honduras
Citibank
1/
Incluye Activos Eventuales, Cargos Diferidos, Bienes Bajo Contratos de Arrendamiento y Sucursales, Agencias y Casa Matriz
2/
Incluye Reservas Técnicas y Créditos Diferidos
BANCOS COMERCIALES: ESTADO DE RESULTADOS
BANCOS
Consolidado
Productos Financieros
Gastos Financieros
Intereses Pagados
Resultado Financiero
Productos Por Gtos. De Servicios
Administracion
Resultado De Resultados de Resultados del Operacion
Ejerc. Ant.
Ejercicio
6,346,950.8
2,744,411.3
2,703,532.4
3,602,539.5
816,171.3
3,516,300.6
902,410.2
45,634.1
705,048.8
Atlántida
832,335.3
339,997.5
332,830.1
492,337.8
136,358.0
450,584.8
178,111.0
1,766.6
125,117.3
Honduras
26,922.4
2,198.6
2,110.4
24,723.8
17,349.0
31,409.9
10,662.9
4,264.3
7,788.9
Occidente
1,561,230.6
1,087,335.5
1,080,210.7
473,895.1
88,764.6
390,607.0
172,052.8
575.9
114,463.5
Trabajadores
102,656.4
40,469.9
40,469.9
62,186.5
2,824.1
57,918.5
7,092.1
7,529.4
7,311.3
Continental
191,573.0
61,855.8
61,708.6
129,717.2
20,176.6
107,329.8
42,563.9
0.0
32,813.9
Ficensa
144,222.6
75,212.1
67,472.8
69,010.5
14,937.2
56,418.4
27,529.3
0.0
18,116.0
86,997.3
25,435.3
25,435.3
61,562.0
19,008.8
64,566.2
16,004.6
1,631.0
13,479.5
Banpais
516,365.2
198,792.9
198,703.9
317,572.3
56,849.7
239,247.2
135,174.8
6,348.3
93,238.7
Ficohsa
728,720.7
259,943.4
255,943.2
468,777.3
154,660.7
436,989.7
186,448.3
546.1
120,815.3
Lafise
178,524.1
94,547.3
90,956.7
83,976.8
27,927.0
93,791.5
18,112.3
856.0
20,022.6
HSBC
422,646.9
152,735.1
147,698.8
269,911.8
41,634.1
326,505.5
‐14,959.6
10,713.7
7,313.3
Promérica
186,103.5
60,865.8
59,266.9
125,237.7
26,356.4
127,567.7
24,026.4
0.0
16,852.6
Procredit
62,641.8
24,230.2
22,342.3
38,411.6
1,257.1
54,355.9
‐14,687.2
184.4
‐14,235.5
Azteca
208,159.6
17,595.5
15,629.9
190,564.2
20,470.9
182,841.7
28,193.4
2,067.3
23,332.0
Covelo
50,661.6
12,136.8
12,136.7
38,524.8
4,457.1
44,205.6
‐1,223.7
1,641.9
526.7
Bac de Honduras
702,609.8
197,902.4
197,902.4
504,707.5
151,775.5
555,174.2
101,308.7
3,172.9
111,889.4
Citibank
344,580.1
93,157.5
92,713.8
251,422.7
31,364.5
296,787.0
‐13,999.8
4,336.4
6,203.4
Banhcafe
SOCIEDADES FINANCIERAS: CUENTAS DE BALANCE
ACTIVO
FINANCIERA
Consolidado
Cofisa
Codimersa
Credi Q
Disponibilidades
Inversiones
1/
Activos Fijos
Otros Activos ACTIVOS CONTIGENTES
TOTAL ACTIVO
410,492.2
455,936.1
3,684,683.3
67,644.6
241,695.3
867,344.5
0.0
5,727,796.0
27,755.9
50,000.0
566,631.7
8,529.9
29,375.6
52,334.8
0.0
734,627.9
13,502.2
4,064.0
70,622.5
1,319.7
13,582.4
2,435.8
0.0
105,526.5
197,014.0
143,467.9
1,144,583.4
10,160.4
19,665.5
36,579.8
0.0
1,551,470.9
Acresa
46,508.2
63,353.4
97,476.9
508.8
10,950.6
700,867.9
0.0
919,665.7
Cofinter
Finan. Popular Ceibeña
11,812.1
28,856.1
194,289.0
637.3
3,057.8
9,230.1
0.0
247,882.4
14,186.3
33,214.2
157,102.4
8,653.5
16,040.6
9,918.0
0.0
239,114.9
Finan. del Caribe
12,859.2
9,638.0
78,071.1
2,062.8
5,186.7
11,986.8
0.0
119,804.6
Finsol
12,818.5
32,395.0
557,474.8
8,688.9
80,383.1
6,210.6
0.0
697,970.9
Insular
21,130.2
6,403.0
70,483.6
13,529.7
9,287.6
2,901.3
0.0
123,735.4
Finca
13,222.9
602.0
119,237.2
2,744.4
12,056.8
9,624.1
0.0
157,487.4
Odef
39,682.9
83,942.5
628,710.8
10,809.2
42,108.6
25,255.4
0.0
830,509.4
PASIVO
FINANCIERA
Consolidado
Cofisa
Codimersa
Credi Q
Exigibilidades
Reservas Eventuales
2/
PASIVOS CONTIGENTES
0.0
TOTAL PASIVO Y CAPITAL
2,688,025.6
1,133,524.2
629,091.1
43,906.5
18,070.6
1,215,178.0
5,727,796.0
284,508.8
250,817.9
70,833.2
13,417.5
1,837.9
113,212.6
0.0
734,627.9
21,233.9
4,410.8
9,320.0
238.1
0.0
70,323.7
0.0
105,526.5
1,119,963.8
128,162.6
40,854.2
7,118.0
312.6
255,059.7
0.0
1,551,470.9
Acresa
421,641.5
0.0
334,166.3
1,196.2
8,495.9
154,165.8
0.0
919,665.7
Cofinter
110,428.8
23,535.3
18,396.1
9,669.3
92.4
85,760.6
0.0
247,882.4
Finan. Popular Ceibeña
161,414.7
0.0
19,110.7
2,137.4
1.7
56,450.4
0.0
239,114.9
36,635.6
0.0
25,514.9
659.9
4,363.7
52,630.4
0.0
119,804.6
Finsol
206,810.1
261,739.6
45,507.6
3,258.1
482.1
180,173.5
0.0
697,970.9
Insular
55,470.7
0.0
16,730.4
279.1
0.0
51,255.2
0.0
123,735.4
Finca
9,025.6
85,409.7
7,597.6
593.7
41.1
54,819.8
0.0
157,487.4
Odef
260,892.2
379,448.4
41,060.1
5,339.2
2,443.2
141,326.4
0.0
830,509.4
Finan. del Caribe
1/
2/
SOCIEDADES FINANCIERAS: ESTADO DE RESULTADOS
FINANCIERA Consolidado
Gastos Financieros
Intereses Pagados
Administracion
Ejerc. Ant.
Ejercicio
275,242.0
87,375.8
85,691.2
187,866.2
22,015.5
167,868.9
42,012.7
3,733.6
41,870.0
32,663.6
12,376.2
12,253.9
20,287.4
765.3
12,639.6
8,413.1
0.0
8,991.3
2,982.4
461.8
461.8
2,520.6
298.7
857.5
1,961.8
0.0
2,061.8
Credi Q
47,862.6
27,732.8
26,519.4
20,129.7
10,029.7
20,388.4
9,771.1
861.8
8,042.2
Acresa
66,041.9
10,086.4
10,086.4
55,955.5
2,504.8
50,238.2
8,222.2
0.0
5,973.1
Cofinter
14,033.5
3,115.9
3,115.9
10,917.6
254.9
6,134.3
5,038.2
472.5
4,124.3
Popular Ceibeña
11,467.1
4,569.1
4,569.1
6,898.0
0.0
5,319.8
1,578.2
0.0
1,030.1
4,410.6
1,610.2
1,610.2
2,800.4
65.2
1,770.7
1,094.9
0.0
857.8
Finsol
29,432.7
9,142.8
9,139.7
20,289.9
5,313.0
22,693.3
2,909.6
1,066.0
2,608.3
Insular
4,096.9
1,621.7
1,619.6
2,475.2
0.5
2,055.6
420.0
0.0
416.9
Finca
16,956.4
2,856.8
2,856.8
14,099.7
739.9
14,365.1
474.5
873.2
591.0
Odef
45,294.3
13,802.1
13,458.4
31,492.2
2,043.4
31,406.4
2,129.2
460.1
7,173.2
Cofisa
Codimersa
Del Caribe
OFICINAS DE REPRESENTACION: CUENTAS DE BALANCE
ACTIVO
OFICINA
Consolidado
Agrícola
Laad Americas
Disponibilidades
Inversiones
1/
Activos Fijos
Otros Activos Consolidado
Agrícola
Laad Americas
TOTAL ACTIVO
153.5
0.0
467,435.1
7,746.3
57.3
147.4
0.0
475,539.7
37.0
0.0
39,852.7
83.2
0.0
0.0
0.0
39,972.9
116.5
0.0
427,582.4
7,663.2
57.3
147.4
0.0
435,566.8
PASIVO
OFICNA ACTIVOS CONTIGENTES
Exigibilidades
Obligaciones Reservas de Valuación
Bancarias
Reservas Eventuales
2/
CAPITAL
435,286.3
37,440.1
132.4
0.0
0.0
2,680.9
0.0
0.0
37,440.1
107.8
0.0
0.0
2,425.0
0.0
39,972.9
435,286.3
0.0
24.6
0.0
0.0
255.9
0.0
435,566.8
1/
2/
475,539.7
OFICINAS DE REPRESENTACION: ESTADO DE RESULTADOS
INSTITUCION
Gastos Financieros
Intereses Pagados
Administracion
Ejerc. Ant.
Ejercicio
Consolidado
793.8
329.8
329.8
464.1
0.0
301.8
162.2
0.0
162.2
Banco Agrícola
498.7
329.8
329.8
168.9
0.0
107.8
61.1
0.0
61.1
Laad Americas
295.1
0.0
0.0
295.1
0.0
194.0
101.1
0.0
101.1
BANCOS DE SEGUNDO PISO: CUENTAS DE BALANCE
ACTIVO
BANCOS
Disponibilidades
Inversiones
1/
Activos Fijos
Otros Activos ACTIVOS CONTIGENTES
TOTAL ACTIVO
Consolidado
997,686.7
2,417,902.8
15,424,745.1
34,748.4
93,485.2
867,105.5
82,369.3
19,918,043.1
BANHPROVI
997,686.7
2,417,902.8
15,424,745.1
34,748.4
93,485.2
867,105.5
82,369.3
19,918,043.1
PASIVO
BANCOS
Exigibilidades
Obligaciones Reservas de Valuación
Bancarias
Reservas Eventuales
2/
CAPITAL
Consolidado
57,505.3
3,499,726.4
965,793.2
40,483.0
9,030.3
15,263,135.6
82,369.3
19,918,043.1
BANHPROVI
57,505.3
3,499,726.4
965,793.2
40,483.0
9,030.3
15,263,135.6
82,369.3
19,918,043.1
1/
2/
BANCOS DE SEGUNDO PISO: ESTADO DE RESULTADOS
INSTITUCION
Gastos Financieros
Intereses Pagados
Administracion
Ejerc. Ant.
Ejercicio
Consolidado
290,971.5
77,158.8
53,048.3
213,812.7
0.0
29,130.6
184,682.1
2,053.1
185,683.8
BANHPROVI
290,971.5
77,158.8
53,048.3
213,812.7
0.0
29,130.6
184,682.1
2,053.1
185,683.8
PRÉSTAMOS Y DESCUENTOS POR INSTITUCIÓN SEGÚN DESTINO
Al 31 de Marzo 2011
(En Miles de Lempiras)
BANCOS COMERCIALES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITIBANK
SUB TOTAL
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA HONDURAS
ODEF SUB TOTAL
BANCO AGRICOLA, S.A.
LAAD AMERICAS, N.V.
Regresar
Agricultura
989,789.6
0.0
694,267.9
21,109.7
305,190.4
20,390.1
210,074.7
77,167.7
723,129.4
43,566.5
58,665.1
15,890.1
13,656.1
0.0
1,940.1
519,566.9
6,985.9
Silvicultura
7,589.1
0.0
4,507.8
44.2
2,779.0
0.0
96.6
0.0
274.1
0.0
0.0
0.0
1,383.0
0.0
0.0
15,040.6
0.0
Ganaderia
166,992.1
0.0
684,813.3
81,263.1
257,586.9
52.1
65,791.2
47,881.6
9,830.6
61,965.9
56,048.8
0.0
15,401.0
0.0
9,323.4
70,641.6
0.0
3,701,390.3 31,714.3 1,527,591.5
Agricultura
0.0
16,416.3
0.0
0.0
0.0
0.0
14.0
2,594.8
0.0
518.3
204,369.8
Silvicultura
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.3
9,678.6
Ganaderia
0.0
0.0
0.0
2,770.7
0.0
0.0
3,391.7
3,739.9
0.0
104.4
18,795.8
223,913.2 9,690.9
28,802.5
Agricultura
0.0
191,627.5
Silvicultura
0.0
29,854.3
Ganaderia
Avicultura
36,593.9
0.0
126,707.0
5,943.6
61,505.4
0.0
29,781.3
105,489.2
76,733.1
3,726.1
1,044.5
282.0
1,673.1
0.0
49.8
64,253.0
0.0
Apicultura
0.0
0.0
407.2
1,000.4
1,670.8
0.0
455.0
0.0
154.0
0.0
0.0
0.0
88.5
0.0
0.0
0.0
0.0
Pesca
228,082.0
0.0
25,983.0
190.3
2,032.5
0.0
60.5
0.0
84,386.1
0.0
7,736.0
0.0
49.2
0.0
390.6
43,664.8
0.0
513,782.1
3,776.0
392,575.1
Avicultura
Apicultura
Pesca
0.0
0.0
0.0
0.0
0.0
0.0
296.9
323.6
0.0
0.0
2,581.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
50.0
0.0
0.0
85.5
0.0
0.0
0.0
0.0
0.0
0.0
8,316.2
0.0
3,139.0
12.5
324.3
3,202.4
135.5
11,792.0
Avicultura
Apicultura
Pesca
0.0
56,685.7
0.0
0.0
0.0
0.0
0.0
81,415.8
Exp. y Explor. Min. y Can. 463.5
0.0
25,448.0
0.0
16,120.2
0.0
0.0
0.0
9,471.9
0.0
0.0
0.0
639.6
0.0
0.0
75,301.8
0.0
Industrias
3,236,456.8
278,461.6
1,219,099.3
7,065.3
711,480.1
825,241.8
81,166.4
2,205,110.4
4,712,887.4
436,065.3
1,861,021.9
226,908.3
88,100.5
0.0
5,609.5
1,606,988.9
178,418.2
Financiamiento de Exp. 417,874.6
0.0
1,379,324.4
7,068.1
199,545.6
449,427.1
238,877.4
485,830.7
2,140.6
452,387.2
235,870.2
93,359.1
60.5
0.0
0.0
412,570.8
0.0
127,445.0 17,680,081.5 4,374,336.1
14,128,096.8
Financiamiento de Exp. 0.0
0.0
0.0
1,842.0
0.0
0.0
0.0
0.0
0.0
2.1
1,886.7
Servicios
52,020.2
0.0
0.0
14,224.5
0.0
0.0
0.0
27,856.1
41.6
1,513.4
33,954.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
222.0
6,217.9
Industrias
0.0
0.0
0.0
16,906.7
0.0
3.3
5,883.7
26,958.8
633.2
8,146.9
191,812.2
6,440.0 250,344.7 3,730.8
0.0
0.0
67,999.2
0.0
Industrias
SUB TOTAL
191,627.5 29,854.3 56,685.7
‐
‐
81,415.8
‐ TOTAL
4,116,931.0 71,259.4 1,613,079.7
516,984.5
3,911.5
485,782.8
133,885.0 17,998,425.4 4,378,066.9
Prestamos Sobre Polizas A Bancos Nacionales BANCOS COMERCIALES BANCATLAN
HONDURAS
BANCOCCI
BANTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITIBANK
SUB TOTAL
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA HONDURAS
ODEF SUB TOTAL
LAAD AMERICAS, N.V.
Transporte y Comunic. 705,162.4
0.0
618,343.4
130,393.1
71,220.6
0.0
21,480.2
302,854.9
117,685.4
5,346.2
300,834.9
3,659.3
136,366.4
0.0
31,183.8
136,765.2
0.0
Propiedad Raiz 10,640,815.5
8,779.8
6,548,645.0
657,385.1
1,184,619.1
1,225,285.6
422,460.2
4,907,929.3
6,047,507.9
2,671,748.6
4,078,916.2
461,821.4
10,990.5
0.0
411,933.2
5,527,741.3
184,071.0
Comercio
1,776,809.6
231,217.7
2,354,945.5
239,480.7
596,091.2
644,407.1
268,026.2
2,746,470.5
1,991,937.6
674,817.4
1,202,131.9
539,783.5
450,516.5
0.0
354,001.2
1,729,540.2
392,200.9
2,581,295.7 44,990,649.5 16,192,377.7
0.0
0.0
12,817.4
9,575.2
167.9
570.0
37,475.8
847.9
1,804.2
34,814.0
22,190,659.3
Propiedad Raiz 322,487.4
31,599.5
0.0
13,645.0
13,591.7
25,412.6
32,098.1
256,045.3
13,632.3
15.7
45,010.9
Comercio
94,507.5
17,403.8
296,179.2
22,102.1
0.0
95,896.1
24,466.6
177,256.4
44,336.5
106,885.3
78,603.8
148,906.8 753,538.4 957,637.3
Transporte y Comunic. Consumo
1,359,534.2
3,715.7
734,825.0
871,471.5
122,538.8
107,289.7
105,299.8
2,074,830.4
2,956,145.0
493,118.1
2,357,194.1
1,396,438.9
29,783.6
745,053.0
12,243.0
5,734,715.4
3,086,463.3
Consumo
46,782.1
5,202.9
848,404.2
13,168.6
171,122.2
35,622.6
3,033.9
25,174.1
7,853.1
0.0
574.9
1,156,938.4
0.0
0.0
0.0
0.0
SUB TOTAL
‐
TOTAL
2,730,202.6 45,744,188.0 17,189,867.7
‐ 39,852.7
Consumo
61,620.0
0.0
4,410.8
0.0
0.0
0.0
0.0
0.0
0.0
25,000.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
16,755.6
91,030.8
Prestamos Sobre Polizas A Bancos Nacionales 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
67,999.2 ‐
A Gobierno Central 0.0
0.0
0.0
0.0
0.0
0.0
0.0
82,145.0
106,824.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
A Gobierno Central ‐ A Bancos Nacionales A Gobierno Local A Instituciones Descentralizadas 988,437.6
0.0
251,654.7
0.0
161,511.4
46,592.0
48,730.3
479,294.4
845,818.2
0.0
1,373.8
0.0
0.0
0.0
0.0
54,609.6
0.0
2,287.5
0.0
13,427.5
0.0
0.0
0.0
0.0
0.0
9,402.6
0.0
99,215.7
0.0
0.0
0.0
0.0
0.0
0.0
A Gobierno Local A Instituciones Descentralizadas 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
A Gobierno Central ‐
A Instituciones Descentralizadas 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
‐
‐
‐ 23,347,597.7
16,755.6
91,030.8
188,969.4 2,878,021.9 124,333.3
‐
Servicios
0.0
0.0
14,257,707.2
TOTAL 23,058,082.6
769,781.2
16,495,881.3
2,048,411.8
4,607,584.2
4,485,105.1
1,741,757.3
15,090,678.2
20,797,408.2
4,878,553.6
10,520,256.8
3,181,169.7
983,653.8
745,053.0
840,513.4
17,636,768.5
3,854,223.4
131,734,881.9
TOTAL 566,631.7
70,622.5
1,144,583.4
97,476.9
194,289.0
157,102.4
78,071.1
557,474.8
70,483.6
119,237.2
628,710.8
3,684,683.3
A Gobierno Local 0.0
0.0
129,610.4
‐
188,969.4 2,878,021.9 124,333.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
Prestamos Sobre Polizas Propiedad Raiz Comercio
39,852.7
0.0
0.0
0.0
15,819.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
936.2
0.0
Servicios
2,439,574.4
247,606.5
1,793,252.2
25,996.7
913,692.1
1,166,419.6
249,457.5
1,575,674.2
3,103,079.7
10,812.3
260,203.6
443,027.1
234,945.4
0.0
13,838.8
1,644,432.5
6,084.1
‐
TOTAL 39,852.7
427,582.4
467,435.1
135,887,000.4
PRÉSTAMOS NUEVOS POR INSTITUCIÓN SEGÚN DESTINO
Al 31 de Marzo 2011
BANCOS COMERCIALES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITIBANK
SUB TOTAL
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA
ODEF
SUB TOTAL
LAAD AMERICAS, N.V.
Regresar
Agricultura
201,863.1
0.0
84,836.3
625.0
8,315.5
20,390.1
15,176.8
2,097.5
165,179.2
0.0
1,582.5
0.0
860.0
0.0
0.0
29,805.7
982.6
Silvicultura
0.0
0.0
411.0
0.0
0.0
0.0
0.0
0.0
20.0
0.0
0.0
0.0
0.0
0.0
0.0
1,014.0
0.0
Ganaderia
1,933.0
0.0
41,124.2
376.5
65,687.9
0.0
5,107.3
4,440.0
1,250.0
3,500.1
333.7
0.0
1,600.2
0.0
0.0
0.0
0.0
531,714.2 1,445.1
125,352.9
Agricultura
0.0
282.0
0.0
0.0
0.0
0.0
0.0
450.0
0.0
0.0
30,515.5
Silvicultura
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,608.9
Ganaderia
0.0
0.0
0.0
0.0
0.0
0.0
227.7
200.0
0.0
0.0
3,288.7
31,247.5
1,608.9
3,716.4
Agricultura
0.0
1,757.2
Silvicultura
0.0
0.0
Ganaderia
0.0
0.0
SUB TOTAL
1,757.24
‐ TOTAL
564,719.0 3,054.0
129,069.3
BANCOS COMERCIALES BANCATLAN
HONDURAS
BANCOCCI
BANTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITIBANK
TOTAL
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA
ODEF
SUB TOTAL
LAAD AMERICAS, N.V.
0.0
38,296.7
1,009.4
1,101.0
0.0
834.2
400.0
11,920.8
100.0
42,112.9
0.0
11,280.3
0.0
802.0
300.0
0.0
‐
1,150.0
0.0
0.0
6,300.0
154.0
0.0
75.0
2,019.2
577.0
0.0
4,845.4
243,577.4
0.0
336,297.4
6,547.5
72,049.8
22,994.5
36,806.2
213,802.7
129,968.2
92,280.9
38,558.4
20,949.1
770.0
0.0
8,677.4
147,736.8
11,506.3
Comercio
270,070.5
9,447.6
401,486.6
27,657.0
19,500.7
67,165.4
29,945.0
203,248.9
266,608.2
97,987.6
259,628.3
10,877.5
47,241.4
0.0
37,507.6
133,898.3
34,617.8
Avicultura
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
376.5
376.5
Avicultura
0.0
0.0
11,850.0
3,151.8
0.0
0.0
19.2
932.0
0.0
5,756.3
0.0
0.0
1,409.8
Comercio
1,800.0
911.7
35,898.5
1,000.0
0.0
1,220.0
1,410.0
22,554.9
778.0
21,301.0
8,360.6
0.0
0.0
0.0
0.0
‐ ‐
TOTAL
544,000.7 1,405,641.6 2,012,123.1
54,783.7
Apicultura
Pesca
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
100.0
0.0
34.0
134.0
Apicultura
Pesca
Industrias
448,585.1
5,745.7
167,241.4
0.0
86,109.3
82,217.5
11,955.3
113,944.5
646,742.0
23,735.4
293,277.4
19,400.0
2,774.2
0.0
81.0
214,307.4
1,200.0
Financiamiento de Exp. 11,002.8
0.0
249,582.2
0.0
37,468.1
160,419.3
165,400.7
137,581.1
0.0
140,600.1
24,457.4
0.0
0.0
0.0
0.0
102,571.2
0.0
2,605.7 2,117,316.1 1,029,082.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
274.0
Industrias
0.0
0.0
0.0
1,500.0
0.0
0.0
0.0
285.5
0.0
0.0
23,601.4
0.0
0.0
1,842.0
0.0
0.0
0.0
0.0
0.0
0.0
560.0
274.0 25,386.9 2,402.0
0.0
‐
‐
30.0
54,917.7
2,879.7 2,142,702.9 1,031,484.8
Prestamos Sobre Polizas A Bancos Nacionales 8,170,913.3
Consumo
3,500.0
475.6
40,185.9
220.0
11,982.5
3,615.9
63.0
5,038.0
1,068.0
0.0
610.5
66,759.4
0.0
0.0
2,748.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
27.2
0.0
60,000.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
50,000.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,776.0
110,000.0
Prestamos Sobre Polizas A Bancos Nacionales 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
Prestamos Sobre Polizas 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
106,651.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
A Gobierno Central A Bancos Nacionales 0.0
0.0
‐
A Instituciones Descentralizadas 85,224.7
0.0
84,550.0
0.0
1.5
0.0
0.0
289,398.5
57,444.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8,000.0
0.0
0.0
0.0
0.0
0.0
3,139.6
0.0
150.0
0.0
0.0
0.0
0.0
0.0
0.0
A Gobierno Local A Instituciones Descentralizadas 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
A Gobierno Central 0.0
0.0
22,570.3
‐
A Instituciones Descentralizadas 0.0
0.0
0.0
0.0
‐
1,544,943.2
TOTAL 2,414,550.6
34,088.4
1,783,234.6
79,497.2
395,083.6
473,710.6
308,885.2
1,649,846.8
2,111,241.9
746,280.6
831,738.5
637,179.9
82,510.4
284,671.1
49,320.0
2,449,870.8
3,871,996.5
18,203,706.6
TOTAL 20,600.0
4,821.1
76,084.4
23,079.0
12,155.7
5,767.9
1,775.7
39,490.8
2,523.0
21,301.0
80,351.5
287,950.2
0.0
0.0
0.0
‐
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
Servicios
2,300.0
0.0
0.0
12,217.0
0.0
0.0
0.0
3,187.0
0.0
0.0
4,866.3
0.0
0.0
106,651.7 516,619.3 11,289.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
0.0
0.0
‐
A Gobierno Central 1,522,372.9
Servicios
de Exp. ‐
Consumo
464,283.6
0.0
177,706.2
43,019.9
7,122.9
63,005.2
14,222.5
390,076.6
399,775.6
338,076.4
150,428.3
491,727.6
3,164.8
284,671.1
132.0
1,520,010.9
3,823,489.8
Servicios
178,564.0
18,895.1
180,216.7
261.9
96,783.6
57,518.6
24,203.7
279,707.0
261,893.4
0.0
20,908.1
94,225.7
14,819.5
0.0
2,072.0
292,103.7
200.0
Financiamiento Industrias
‐
0.0
0.0
‐
30.0
0.0
1,600.0
0.0
544.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
460.9
0.0
72,838.8
Consumo
SUB TOTAL
0.0
0.0
0.0
0.0
0.0
0.0
30.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Pesca
28,723.6
0.0
2,256.3
0.0
0.0
0.0
0.0
0.0
17,333.6
0.0
101.5
0.0
0.0
0.0
48.0
6,320.6
0.0
0.0
0.0
Propiedad Raiz Comercio
Apicultura
0.0
0.0
Propiedad Raiz 15,120.6
23,119.1 95,234.7
Propiedad Raiz 528,880.1 1,382,522.6 1,916,888.4
Transporte y Comunic. Avicultura
0.0
0.0
6,880.9
0.0
398.5
0.0
5,203.7
15,150.0
43,315.0
0.0
200.0
0.0
0.0
0.0
0.0
1,314.2
0.0
‐
‐
‐
‐
‐
8,237,672.8
2,776.0
110,000.0
106,651.7 516,619.3 11,289.6
TOTAL 0.0
1,757.2
1,757.24
18,493,414.1
DISTRIBUCIÓN GEOGRÁFICA DE LOS PRÉSTAMOS Y DESCUENTOS SEGÚN DESTINO
Al 31 de Marzo 2011
DESTINO
AGRICULTURA
SILVICULTURA
GANADERIA
AVICULTURA
APICULTURA
PESCA
EXP. Y EXPLOR. MIN. Y CAN.
INDUSTRIAS
FINANCIAMIENTO DE EXP.
SERVICIOS
TRANSPORTE Y COMUNIC.
PROPIEDAD RAIZ
COMERCIO
CONSUMO
PRESTAMOS SOBRE POLIZAS
A BANCOS NACIONALES
A GOBIERNO CENTRAL
A GOBIERNO LOCAL
A INSTITUCIONES DESCENTRALIZADAS
TOTAL
DESTINO
AGRICULTURA
SILVICULTURA
GANADERIA
AVICULTURA
APICULTURA
PESCA
EXP. Y EXPLOR. MIN. Y CAN.
INDUSTRIAS
FINANCIAMIENTO DE EXP.
SERVICIOS
TRANSPORTE Y COMUNIC.
PROPIEDAD RAIZ
COMERCIO
CONSUMO
PRESTAMOS SOBRE POLIZAS
A BANCOS NACIONALES
A GOBIERNO CENTRAL
A GOBIERNO LOCAL
A INSTITUCIONES DESCENTRALIZADAS
TOTAL
Regresar
ATLANTIDA
283,751.5
6,400.0
118,178.2
1,763.2
0.0
237,947.7
0.0
773,308.1
232,494.3
370,769.0
378,217.1
5,044,512.4
796,823.9
709,088.0
536.9
0.0
0.0
41,300.4
0.0
CHOLUTECA
235,210.7
10.9
122,371.3
297.9
0.0
10,852.7
21,634.8
132,156.0
41,168.0
104,510.1
47,817.2
859,329.8
266,748.0
141,677.4
319.8
1,620.0
0.0
133,605.7
0.0
EL PARAISO
1,492.5
0.0
3,289.8
0.0
0.0
0.0
0.0
1,029.1
0.0
706.7
1,283.3
101,328.5
22,608.8
8,664.2
0.0
0.0
0.0
0.0
0.0
FRANCISCO MORAZAN 1,386,509.1
14,435.4
340,399.8
123,154.1
1,643.9
108,991.1
74,163.3
6,951,314.0
1,062,462.4
8,577,639.0
1,181,240.2
18,182,166.7
9,719,014.6
17,448,270.2
1,993.1
85,000.0
106,651.7
1,111,907.4
110,905.8
3,926,372.7
49,442,742.3 2,119,330.3
140,402.9
66,587,861.8
OCOTEPEQUE 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
OLANCHO SANTA BARBARA
18,085.2
815.0
1,287.0
0.0
296,688.9
119.5
13,672.9
0.0
37.0
0.0
612.5
0.0
0.0
0.0
19,842.7
36.0
6,667.5
4,132.1
35,478.5
2,227.6
35,246.6
35,752.1
616,726.6
34,627.1
179,229.1
7,357.4
99,452.6
5,998.5
293.7
0.0
0.0
0.0
0.0
0.0
8,014.2
3,108.3
0.0
0.0
COLON
40,158.9
0.0
2,886.7
0.0
0.0
0.0
0.0
0.0
0.0
10,312.5
1,742.3
192,080.5
42,876.0
20,341.0
0.0
0.0
0.0
5,904.8
0.0
COMAYAGUA
55,896.0
1,630.0
37,243.9
4,832.8
262.2
318.4
0.0
18,850.0
105,180.6
112,645.8
135,850.0
851,343.3
260,454.2
93,960.3
523.6
0.0
0.0
6,458.3
0.0
COPAN
277,192.5
45.6
92,510.6
7,292.3
8.0
10,920.4
9.7
103,464.2
587,541.0
121,354.6
195,547.3
1,667,512.1
500,544.7
277,572.7
21.7
4,410.8
0.0
66,997.0
13,427.5
8,995,090.5 316,302.6
1,685,449.4
ISLAS DE LA BAHIA 0.0
0.0
0.0
0.0
0.0
3,139.0
0.0
633.2
0.0
41.6
847.9
13,632.3
44,336.5
7,853.1
0.0
0.0
0.0
0.0
0.0
LEMPIRA LA PAZ 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
70,483.6
‐
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
‐
CORTES
1,737,981.2
45,131.7
575,622.2
364,764.3
1,960.4
112,982.5
37,088.0
9,991,617.6
2,247,097.0
4,848,399.3
666,909.5
17,495,056.9
5,252,379.3
4,484,180.4
13,040.6
0.0
82,317.7
1,486,213.7
0.0
1,331,334.9 94,173.6
VALLE 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
GRACIAS A DIOS 0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐
YORO 32,447.5
0.0
19,812.8
108.3
0.0
0.0
0.0
1,674.1
0.0
4,234.9
2,974.4
263,827.9
50,968.8
18,448.9
0.0
0.0
0.0
11,404.8
0.0
TOTAL
4,116,931.0
71,259.4
1,613,079.7
516,984.5
3,911.5
485,782.8
133,885.0
17,998,425.4
4,378,066.9
14,257,707.2
2,730,202.6
45,744,188.0
17,189,867.7
23,347,597.7
16,755.6
91,030.8
188,969.4
2,878,021.9
124,333.3
405,902.4
135,887,000.3
INTIBUCA 47,390.9
2,318.9
3,956.0
1,098.6
0.0
18.5
989.3
4,500.4
91,324.0
69,387.6
46,774.6
422,044.0
46,526.5
32,090.5
26.3
0.0
0.0
3,107.3
0.0
771,553.4
DISTRIBUCIÓN GEOGRÁFICA DE LOS PRÉSTAMOS Y DESCUENTOS
Al 31 de Marzo 2011
(En Miles de Lempiras y porcentajes)
DEPARTAMENTOS
Regresar
BANCOS
% de Partic
FINANCIERAS
% de Partic
% de Partic
ATLANTIDA
COLON
COMAYAGUA
COPAN
CORTES
CHOLUTECA
EL PARAISO
FRANCISCO MORAZAN
GRACIAS A DIOS
INTIBUCA
ISLAS DE LA BAHIA
LA PAZ
LEMPIRA
OCOTEPEQUE
OLANCHO
SANTA BARBARA
VALLE
YORO
8,759,917.1
316,302.6
1,674,716.3
3,848,851.0
47,239,303.0
2,106,010.7
131,910.0
65,074,413.4
0.0
771,553.3
0.0
0.0
0.0
0.0
1,323,438.8
94,173.7
0.0
394,292.2
6.7
0.2
1.3
2.9
35.9
1.6
0.1
49.4
0.0
0.6
0.0
0.0
0.0
0.0
1.0
0.1
0.0
0.3
235,173.5
0.0
10,733.2
77,521.7
1,775,856.9
13,319.6
8,492.9
1,473,595.7
0.0
0.0
70,483.6
0.0
0.0
0.0
7,896.2
0.0
0.0
11,610.1
6.4
0.0
0.3
2.1
48.2
0.4
0.2
40.0
0.0
0.0
1.9
0.0
0.0
0.0
0.2
0.0
0.0
0.3
0.0
0.0
0.0
0.0
427,582.4
0.0
0.0
39,852.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
91.5
0.0
0.0
8.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
TOTALES
131,734,882.1
100
3,684,683.4
100
467,435.1
100.0
DISTRIBUCION GEOGRAFICA DE LOS PRESTAMOS DEL SISTEMA
FINANCIERO
15%
35%
50%
CORTES
FRANCISCO MORAZAN
OTROS
Comportamiento de la Cartera de Tarjetas de Crédito
Regresar
INSTITUCIONES
TOTAL
BANCATLAN
BANCOCCI
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
BAC ‐ BAMER
CITI
CITI TARJETAS 1/
1/
TOTAL
12,364,490.51
434,500.54
122,459.05
41,107.66
23,475.86
24,926.43
227,344.25
2,165,821.85
249,160.88
293,170.57
1,263,962.37
3,140,086.85
2,709,677.51
1,668,796.68
Incluye Ejecución Judicial
Total Cartera
Cartera en Mora Moneda Nacional Moneda Extranjera
TOTAL
Moneda Nacional
10,231,751.63 2,132,738.87 536,913.00 479,421.96
354,570.43 79,930.11 54,848.47 51,811.88
82,875.34 39,583.71 15,628.87 12,521.79
29,736.90 11,370.76 12,207.03 10,681.39
13,909.24 9,566.62 3,088.35 2,519.70
20,505.49 4,420.94 94.90 94.90
175,449.76 51,894.49 4,596.55 4,315.67
1,855,877.38 309,944.47 225,095.40 210,656.62
197,064.77 52,096.11 21,096.41 17,925.66
293,170.57 ‐
9,513.91 9,513.91
1,114,691.44 149,270.93 17,640.97 16,396.94
2,466,659.89 673,426.96 52,701.10 45,492.80
2,462,452.04 247,225.47 71,732.24 65,529.09
1,164,788.38 504,008.30 48,668.81 31,961.61
Moneda Extranjera
TOTAL
57,491.04 16,362,090.03
3,036.59 864,100.90
3,107.08 249,402.66
1,525.64 42,069.12
568.65 37,140.51
‐
44,002.29
280.88 436,607.72
14,438.78 2,740,459.11
3,170.75 453,742.97
‐
407,547.98
1,244.03 1,571,745.43
7,208.29 4,655,141.25
6,203.15 1,940,920.63
16,707.20 2,919,209.44
Márgenes por Utilizar
Moneda Nacional
13,060,378.90
155,322.19
226,198.28
33,649.51
23,418.50
34,268.87
436,607.72
2,740,459.11
438,517.27
407,547.98
1,505,176.17
3,895,777.33
1,738,882.52
1,424,553.44
Moneda Extranjera
3,301,711.13
708,778.71
23,204.38
8,419.62
13,722.01
9,733.42
‐
‐
15,225.70
‐
66,569.26
759,363.91
202,038.12
1,494,656.01
DEPOSITOS DE AHORRO DEL SISTEMA FINANCIERO POR INSTITUCION
INSTITUCIONES
BANCOS COMERCIALES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITI
TOTAL
No. Ctas.
693,557
63
795,588
116,273
79,818
26,294
112,578
345,970
396,172
41,446
220,437
12,013
39,067
101,020
22,045
308,700
62,051
TOTAL BANCOS COMERCIALES 3,373,092 FINANCIERAS COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA
ODEF Valor
MONEDA NACIONAL
% Partic.
13,538,089.5
63,374.6
20,304,021.0
765,334.9
997,779.2
1,131,944.7
1,786,210.3
5,205,355.9
7,885,227.1
1,306,298.0
6,607,379.6
555,524.9
71,838.8
92,540.5
87,280.4
8,053,055.2
1,744,882.3
70,196,136.9 No. Ctas.
19
0
29
1
1
2
3
7
11
2
9
1
0
0
0
11
2
100 645,046
11
761,588
113,312
76,106
23,538
108,019
323,936
347,404
35,317
200,687
9,943
37,360
101,007
21,936
277,149
55,079
3,137,438 Valor
9,409,277.4
28,420.3
16,190,868.9
656,681.4
767,397.7
600,295.5
1,548,834.8
3,313,049.8
4,202,207.5
728,602.1
4,130,036.5
379,879.1
56,709.2
92,538.8
85,992.1
4,934,589.7
735,423.0
47,860,803.8 3,131
13,616.6
5
3,131
13,616.6
3,418
39,823.9
14
3,240
31,568.2
66
51
31,208
1,169
3,967
50,192
2,072.3
843.4
68,012.4
7,498.8
4,756.5
150,563.1
1
0
24
3
2
52
66
51
31,208
1,169
3,967
50,192
2,072.3
843.4
68,012.4
7,498.8
4,756.5
150,563.1
TOTAL FINANCIERAS 93,202 287,187.0 TOTAL GENERAL
3,466,294 70,483,323.9 100 Regresar
MONEDA EXTRANJERA
No. Ctas.
48,511
52
34,000
2,961
3,712
2,756
4,559
22,034
48,768
6,129
19,750
2,070
1,707
13
109
31,551
6,972
235,654 Valor
4,128,812.0
34,954.2
4,113,152.1
108,653.5
230,381.5
531,649.2
237,375.5
1,892,306.2
3,683,019.7
577,695.9
2,477,343.1
175,645.8
15,129.7
1.7
1,288.3
3,118,465.5
1,009,459.3
22,335,333.2 178
8,255.7
93,024 278,931.3 178 8,255.7 3,230,462 48,139,735.1 235,832 22,343,588.9 DEPOSITOS DE AHORRO DEL SISTEMA FINANCIERO POR ESCALA
ESCALA
Saldos hasta 10,000.00
De 10,000.01 a 30,000.00
De 30,000.01 a 60,000.00
De 60,000.01 a 100,000.00
De 100,000.01 a 200,000.00
De 200,000.01 a 400,000.00
De 400,000.01 a 600,000.00
De 600,000.01 a 800,000.00
De 800,000.01 a 1,000,000.00
De 1,000,000.01 a Más
TOTAL
No. Ctas.
2,861,378
267,097
132,460
74,032
69,797
36,910
11,041
4,561
2,541
6,477
3,466,294 TOTAL
Valor
3,330,543.4
4,692,352.0
5,650,039.8
5,722,520.5
9,656,422.8
10,146,444.3
5,342,193.4
3,141,207.3
2,264,388.9
20,537,211.5
70,483,323.9 % Partic.
5
7
8
8
14
14
8
4
3
29
100 MONEDA NACIONAL
No. Ctas.
Valor
2,729,297
3,022,746.0
233,119
4,069,895.5
111,478
4,739,207.1
59,857
4,610,058.2
54,299
7,452,081.9
26,907
7,332,425.4
7,565
3,647,038.2
2,881
1,975,477.6
1,536
1,362,868.0
3,523
9,927,937.3
3,230,462 48,139,735.2 Regresar
MONEDA EXTRANJERA
No. Ctas.
Valor
132,081
307,797.4
33,978
622,456.5
20,982
910,832.8
14,175
1,112,462.3
15,498
2,204,340.9
10,003
2,814,018.9
3,476
1,695,155.2
1,680
1,165,729.7
1,005
901,520.9
2,954
10,609,274.2
235,832 22,343,588.8 DISTRIBUCION GEOGRAFICA DE LOS DEPOSITOS DE AHORRO DEL SISTEMA FINANCIERO
ESCALA
ATLANTIDA
COLON
COMAYAGUA
COPAN
CORTES
CHOLUTECA
EL PARAISO
FRANCISCO MORAZAN
GRACIAS A DIOS
INTIBUCA
ISLAS DE LA BAHIA
LA PAZ
LEMPIRA
OCOTEPEQUE
OLANCHO
SANTA BARBARA
VALLE
YORO
TOTAL
No. Ctas.
227,319
85,925
183,324
150,938
1,091,724
98,943
63,464
985,220
2,227
38,662
22,338
29,523
21,182
37,205
131,539
83,105
39,243
174,413
3,466,294 TOTAL
Valor
3,803,924.2
1,452,623.7
3,682,261.6
4,446,305.5
16,949,057.9
1,418,526.9
1,030,572.2
26,133,687.8
5,000.3
1,065,700.1
563,469.9
535,487.0
556,629.3
1,463,319.4
2,466,239.4
1,244,636.3
887,500.0
2,778,382.8
70,483,324.3 % Partic.
5
2
5
6
24
2
1
37
0
2
1
1
1
2
4
2
1
4
100 MONEDA NACIONAL
No. Ctas.
Valor
205,489
2,315,756.0
82,939
1,267,164.5
174,291
2,884,677.0
144,494
3,630,496.0
1,019,550
10,741,520.1
93,229
1,087,248.0
61,118
857,538.8
897,682
15,643,183.9
2,227
5,000.3
36,275
922,726.2
17,982
140,699.8
28,619
501,729.9
20,956
544,869.8
36,040
1,397,144.5
125,336
2,080,085.0
80,985
1,136,230.2
37,597
769,048.8
165,653
2,214,616.5
3,230,462 48,139,735.3 MONEDA EXTRANJERA
No. Ctas.
Valor
21,830
1,488,168.1
2,986
185,459.2
9,033
797,584.6
6,444
815,809.5
72,174
6,207,537.8
5,714
331,278.9
2,346
173,033.4
87,538
10,490,503.9
2,387
4,356
904
226
1,165
6,203
2,120
1,646
8,760
235,832 142,973.9
422,770.1
33,757.0
11,759.5
66,174.8
386,154.4
108,406.0
118,451.2
563,766.3
22,343,588.6 DEPOSITOS A LA VISTA DEL SISTEMA FINANCIERO POR INSTITUCION
Regresar
INSTITUCIONES
BANCOS COMERCIALES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITI
TOTAL
No. Ctas.
77,418
339
32,171
1,856
7,184
2,549
4,140
17,395
17,141
3,177
15,043
2,110
20,270
18
202
23,339
5,637
229,989 TOTAL
Valor
% Partic.
4,479,689.6
1,354,529.8
4,201,043.0
154,246.0
1,307,820.8
600,488.1
479,694.9
2,656,606.2
4,411,949.7
664,761.9
2,556,011.0
327,426.5
37,657.4
166,776.1
2,113.0
5,947,105.3
633,502.9
29,981,422.2 15
5
14
1
4
2
2
9
15
2
9
1
0
1
0
20
2
100.0 MONEDA NACIONAL
No. Ctas.
Valor
77,204
219
31,594
1,849
6,654
2,442
4,083
16,444
16,085
2,879
14,667
1,805
19,871
17
202
21,379
5,375
222,769 4,419,891.2
642,928.8
4,042,421.9
152,884.1
730,791.5
496,209.3
472,529.0
1,992,238.4
2,927,037.7
445,403.0
2,011,907.8
179,228.7
33,591.4
163,880.3
2,113.0
4,187,495.2
552,212.8
23,452,764.1 MONEDA EXTRANJERA
No. Ctas.
Valor
214
120
577
7
530
107
57
951
1,056
298
376
305
399
1
59,798.3
711,601.0
158,621.1
1,361.9
577,029.3
104,278.9
7,165.9
664,367.8
1,484,912.0
219,359.0
544,103.2
148,197.8
4,065.9
2,895.7
1,960
262
1,759,610.2
81,290.1
7,220 6,528,658.1 DEPOSITOS A LA VISTA DEL SISTEMA FINANCIERO POR ESCALA
TOTAL
Saldos hasta Lps.10,000.00
de 10,000.01 a Lps. 30,000.00
de 30,000.01 a Lps. 60,000.00
de 60,000.01 a Lps. 100,000.00
de 100,000.01 a Lps. 200,000.00
de 200,000.01 a Lps. 400,000.00
de 400,000.01 a Lps. 600,000.00
de 600,000.01 a Lps. 800,000.00
de 800,000.01 a Lps.1,000,000.00
de 1,000,000.01 a mas
TOTAL
No. Ctas.
155,929
25,905
13,937
8,584
9,486
6,497
2,839
1,561
1,048
4,203
229,989 Valor
267,177.1
466,123.8
598,797.7
669,274.9
1,347,406.8
1,835,673.0
1,390,822.3
1,079,755.3
937,592.3
21,388,799.1
29,981,422.3 % Partic.
1
2
2
2
4
6
5
4
3
71
100 Regresar
MONEDA NACIONAL
No. Ctas.
Valor
152,942
258,830.0
25,075
451,204.3
13,366
574,127.9
8,162
635,388.1
8,912
1,265,153.2
6,046
1,707,272.7
2,587
1,266,063.2
1,384
957,015.1
915
818,917.4
3,380
15,518,792.5
222,769 23,452,764.4 MONEDA EXTRANJERA
No. Ctas.
Valor
2,987
8,347.2
830
14,919.5
571
24,669.8
422
33,886.8
574
82,253.6
451
128,400.3
252
124,759.1
177
122,740.2
133
118,674.8
823
5,870,006.7
7,220 6,528,658.0 DISTRIBUCION GEOGRAFICA DE LOS DEPOSITOS A LA VISTA DEL SISTEMA FINANCIERO
TOTAL
No. Ctas.
ATLANTIDA
COLON
COMAYAGUA
COPAN
CORTES
CHOLUTECA
EL PARAISO
FRANCISCO MORAZAN
INTIBUCA
ISLAS DE LA BAHIA
LA PAZ
LEMPIRA
OCOTEPEQUE
OLANCHO
SANTA BARBARA
VALLE
YORO
TOTAL
17,746
4,585
7,393
5,575
91,697
6,106
2,281
75,419
1,063
1,522
822
639
884
4,534
2,104
812
6,807
229,989 Valor
MONEDA NACIONAL
% Partic.
983,029.9
172,540.9
497,200.8
465,607.2
10,656,864.4
360,345.5
242,913.3
15,340,085.3
66,166.1
134,001.3
75,423.6
62,711.8
140,223.0
218,880.5
155,398.6
35,001.3
375,028.9
29,981,422.4 No. Ctas.
3
1
2
2
36
1
1
51
0
0
0
0
0
1
1
0
1
100 17,609
4,584
7,360
5,568
88,112
6,051
2,270
72,175
1,063
1,435
821
639
872
4,529
2,093
810
6,778
222,769 Valor
955,309.8
172,450.4
495,208.7
464,750.0
7,471,165.0
300,595.3
225,265.7
12,164,001.5
66,166.1
102,900.5
73,485.7
62,711.8
139,264.9
218,600.8
153,355.3
34,820.6
352,712.1
No. Ctas.
Valor
137
1
33
7
3,585
55
11
3,244
27,720.1
90.5
1,992.1
857.2
3,185,699.4
59,750.2
17,647.6
3,176,083.8
87
1
31,100.8
1,937.9
12
5
11
2
29
958.0
279.7
2,043.2
180.7
22,316.8
7,220 6,528,658.0 DEPOSITOS A TERMINO DEL SISTEMA FINANCIERO POR INSTITUCION
INSTITUCIONES
BANCOS COMERCIALES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA 1/ LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC|HONDURAS
CITI
TOTAL BANCOS COMERCIALES
FINANCIERAS COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF TOTAL
No. Ctas.
MONEDA NACIONAL
Valor
8,827
2
35,064
3,133
963
495
10,212
5,543
7,703
1,394
19,897
1,810
3,786
2,602
2,678
5,536
1,731
111,376 196
440
2
406
33
175
37
2,548
40
3
304
% Partic.
9,197,529.1
43,018.2
4,218,835.2
717,726.7
1,436,976.1
1,726,436.7
213,489.0
6,448,629.5
7,008,488.8
2,780,040.1
3,764,234.1
2,400,918.6
826,635.3
605,634.3
214,508.7
4,458,831.5
3,167,426.7
49,229,358.6 19
0
9
1
3
4
0
13
14
6
8
5
2
1
0
9
6
100 239,098.6
17,988.2
963,859.1
400,221.8
101,034.5
151,518.3
35,367.1
118,935.4
46,796.5
222.5
93,674.6
TOTAL FINANCIERAS 4,184 2,168,716.6 TOTAL GENERAL
115,560 51,398,075.2 No. Ctas.
103,010 11
1
44
18
5
7
2
5
2
0
4
100 7,450
2
34,307
3,072
776
357
10,167
4,723
5,710
1,092
19,575
1,393
3,305
2,602
2,678
4,550
1,251
196
392
1
406
33
175
37
2,548
40
3
304
Regresar
MONEDA EXTRANJERA
Valor
5,682,477.4
43,018.2
3,522,003.4
636,491.1
1,044,370.0
1,020,659.5
181,950.6
4,148,026.1
4,197,653.0
2,023,800.7
3,377,236.6
1,718,352.3
714,157.9
605,634.3
214,508.7
3,288,623.8
2,468,973.6
34,887,937.2 No. Ctas.
Valor
1,377
3,515,051.6
757
61
187
138
45
820
1,993
302
322
417
481
696,831.8
81,235.6
392,606.1
705,777.1
31,538.4
2,300,603.4
2,810,835.8
756,239.4
386,997.5
682,566.3
112,477.4
986
480
1,170,207.7
698,453.2
8,366 239,098.6
13,698.8
685,493.2
400,221.8
101,034.5
151,518.3
35,367.1
118,935.4
46,796.5
222.5
93,674.6
14,341,421.3 48
1
4,289.4
278,365.8
4,135 1,886,061.3 49 282,655.2 107,145 36,773,998.5 8,415 14,624,076.5 DEPOSITOS A TERMINO DEL SISTEMA FINANCIERO POR ESCALA
TOTAL
ESCALA
Hasta 90 dias
De 91 a 180 dias
De 181 a 360 dias
De 361 dias a mas
TOTAL
No. Ctas.
35,253
12,094
26,453
41,760
115,560 MONEDA NACIONAL
Valor
% Partic.
21,191,582.8
41
12,398,323.4
24
15,044,974.1
29
2,763,195.1
5
51,398,075.4 100 No. Ctas.
32,224
10,372
23,792
40,757
107,145 Valor
16,147,645.7
9,000,841.5
9,543,761.2
2,081,750.4
36,773,998.8 Regresar
MONEDA EXTRANJERA
No. Ctas.
3,029
1,722
2,661
1,003
8,415 Valor
5,043,937.1
3,397,481.8
5,501,212.9
681,444.7
14,624,076.5 DISTRIBUCION GEOGRAFICA DE LOS DEPOSITOS A TERMINO DEL SISTEMA FINANCIERO
TOTAL
DEPARTAMENTOS
ATLANTIDA
COLON
COMAYAGUA
COPAN
CORTES
CHOLUTECA
EL PARAISO
FRANCISCO MORAZAN
GRACIAS A DIOS
INTIBUCA
ISLAS DE LA BAHIA
LA PAZ
LEMPIRA
OCOTEPEQUE
OLANCHO
SANTA BARBARA
VALLE
YORO
TOTAL
No. Ctas.
6,001
1,509
6,139
17,224
27,083
2,905
1,977
30,790
10
3,114
614
1,647
1,133
2,531
4,285
2,236
1,768
4,594
115,560 MONEDA NACIONAL
Valor
% Partic.
1,654,545.8
3
292,663.0
1
711,148.3
1
998,097.3
2
11,087,758.4
22
616,395.5
1
187,428.7
0
33,460,170.4
65
789.5
0
198,767.5
0
92,986.7
0
45,834.9
0
46,077.5
0
297,013.0
1
531,279.5
1
182,204.3
0
229,212.3
0
765,702.4
1
51,398,075.0 100 No. Ctas.
5,514
1,494
5,974
17,097
24,520
2,792
1,944
26,278
10
3,099
575
1,646
1,133
2,516
4,220
2,215
1,745
4,373
107,145 Valor
1,269,635.1
288,270.8
590,976.0
935,117.0
7,391,988.5
545,828.0
163,230.2
23,461,853.3
789.5
183,534.9
79,821.2
41,111.1
46,077.5
288,981.5
439,813.0
168,646.8
210,014.0
668,310.4
No. Ctas.
487
15
165
127
2,563
113
33
4,512
Valor
384,910.8
4,392.2
120,172.2
62,980.3
3,695,769.9
70,567.5
24,198.5
9,998,317.2
15
39
1
15,232.7
13,165.5
4,723.8
15
65
21
23
221
8,031.6
91,466.5
13,557.5
19,198.4
97,392.0
8,415 14,624,076.6 BANCOS COMERCIALES
TASAS ACTIVAS M/N
Porcentajes
INSTITUCIONES
Regresar
Inversiones en Valores
Máxima
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC ‐ HONDURAS
CITI
PROMEDIO
13.5
9.3
12.5
1.0
10.0
3.1
9.0
0.0
16.0
8.0
6.9
9.0
8.7
8.0
10.0
8.9
9.3
9.0
Mínima
2.3
1.0
1.0
5.0
1.0
0.1
2.3
1.0
2.3
1.0
1.4
Prestamos, Descuentos y Negociaciones
Máxima
58.7
12.5
49.9
30.0
40.0
30.0
40.2
27.9
59.7
39.5
35.5
33.0
45.0
334.1
42.0
30.0
78.0
58.0
Mínima
0.0
6.2
1.0
16.0
6.0
9.0
7.0
10.0
0.1
7.0
8.0
7.0
11.0
59.8
7.0
9.0
10.9
Prestamos y Descuentos Negociados
Máxima
Mínima
Otros Activos
Sobregiros
Máxima
Mínima
42.0
21.0
21.0
5.0
5.0
28.0
18.0
42.0
42.0
10.0
42.0
42.0
42.0
42.0
41.0
16.0
34.9
21.3
Máxima
Mínima
TASAS ACTIVAS M/N
Porcentajes
INSTITUCIONES
Regresar
Máxima
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF PROMEDIO Mínima
Máxima
9.0
2.3
72.0
8.5
2.8
10.5
8.0
8.0
9.0
5.8
2.3
8.0
8.0
8.7
3.0
1.0
3.6
34.0
23.0
32.0
48.0
48.0
36.0
31.0
48.0
36.0
40.8
Mínima
16.0
24.0
22.5
12.0
5.0
28.0
30.0
11.5
18.6
Máxima
Mínima
Sobregiros
Máxima
Mínima
Otros Activos
Máxima
Mínima
BANCOS COMERCIALES
TASAS ACTIVAS M/E
Porcentajes
INSTITUCIONES
Regresar
Máxima
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC ‐ HONDURAS
CITI
PROMEDIO Mínima
0.6
5.0
1.7
0.5
1.6
13.1
7.3
0.1
3.9
0.3
0.1
0.3
0.7
4.0
2.6
0.3
0.2
0.3
0.2
0.1
0.1
0.3
0.3
0.2
Máxima
Mínima
38.6
9.7
32.9
13.5
28.0
10.5
30.0
10.5
41.4
13.0
12.0
12.5
20.0
3.5
4.0
6.0
9.0
6.0
6.3
8.0
6.0
3.6
6.5
5.8
6.5
7.6
14.0
41.4
21.9
4.0
5.9
Máxima
Mínima
Sobregiros
Máxima
Mínima
Otros Activos
Máxima
Mínima
TASAS ACTIVAS M/E
Porcentajes
INSTITUCIONES
Regresar
Máxima
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF PROMEDIO Mínima
Máxima
1.0
0.4
18.0
4.0
2.5
2.0
1.2
18.0
Mínima
Máxima
Mínima
Sobregiros
Máxima
Mínima
Otros Activos
Máxima
Mínima
BANCOS COMERCIALES
TASAS PASIVAS M/N
Porcentajes
INSTITUCIONES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC ‐ HONDURAS
CITI
PROMEDIO INSTITUCIONES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC ‐ HONDURAS
CITI
PROMEDIO Regresar
Certificados, Pagares y Bonos de Caja para la Titulos Valores en Otros Efectos
Produccion
Circulacion
Mínima
Máxima
Mínima
Máxima
Mínima
Máxima
Mínima
10.5
0.5
11.0
1.0
9.0
5.5
3.5
12.0
0.3
11.0
11.0
5.0
12.5
1.0
9.5
2.0
10.0
2.0
6.3
6.3
2.0
8.5
8.5
6.9
0.1
15.0
3.5
9.8
7.3
8.8
8.8
0.3
13.5
1.0
8.0
8.0
0.3
10.3
5.0
0.1
14.0
4.0
1.0
18.0
5.5
0.1
12.8
5.0
0.3
12.0
3.8
0.3
9.1
1.0
12.3
5.0
9.5
9.5
1.2
11.8
3.1
9.1
6.7
9.2
9.2
Depositos de Ahorro
Máxima
6.0
0.8
7.5
12.0
6.0
5.0
4.0
6.5
6.5
7.0
4.5
6.5
7.0
10.0
5.5
7.5
8.5
6.5
Prestamos de Bancos Otros Prestamos
Extranjeros
Máxima
Mínima
Máxima
Mínima
12.0
5.0
6.0
8.0
10.0
10.0
8.5
8.0
10.0
10.0
9.3
Reservas para Contratos en Vigor
Máxima
Mínima
3.5
Otros Pasivos
Máxima
Mínima
3.5
Obligaciones con Banco Central de 0.1
0.1
0.1
0.1
Fideicomisos de Inversion
Máxima
Mínima
10.0
12.5
12.5
Prestamos de Instituc Financieras Nac.
Máxima
Mínima
15.0
1.0
12.5
1.0
15.0
6.0
15.0
5.0
6.0
15.0
1.0
9.0
6.0
1.0
6.0
14.0
5.0
6.0
10.8
1.0
6.0
3.1
Depositos en Cuenta de Cheques
Máxima
Mínima
10.0
3.0
7.0
0.5
9.2
11.5
15.3
8.0
8.0
5.0
11.5
0.0
8.0
8.0
12.0
8.0
7.5
11.0
12.1
8.0
8.5
1.8
0.1
12.1
5.0
8.0
10.8
8.0
7.5
8.0
5.3
0.3
6.0
3.5
3.5
6.0
5.0
0.5
5.0
0.0
11.3
12.5
0.5
TASAS PASIVAS M/N
Porcentajes
INSTITUCIONES
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF PROMEDIO
INSTITUCIONES
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF PROMEDIO
Regresar
Produccion
Circulacion
Mínima
Máxima
Mínima
Máxima
Mínima
Máxima
Mínima
15.5
8.0
Depositos de Ahorro
Máxima
7.5
7.0
4.8
7.0
8.0
7.5
6.0
12.0
7.5
4.8
3.0
3.0
4.0
6.0
1.0
3.6
13.0
10.0
12.0
14.0
15.0
13.5
14.0
12.0
14.0
13.3
6.0
5.0
5.5
9.0
8.0
4.0
5.5
7.0
1.0
5.9
Extranjeros
Máxima
Mínima
Máxima
Mínima
13.8
12.5
11.2
10.0
10.9
9.3
11.5
9.6
8.0
14.7
12.2
Obligaciones con Banco Central de Máxima
Mínima
10.0
10.0
Máxima
Mínima
Otros Pasivos
Máxima
Mínima
Máxima
Mínima
Máxima
Mínima
8.0
6.0
11.0
7.0
10.0
0.0
15.0
6.0
12.5
18.0
12.4
15.0
7.0
8.2
Máxima
Mínima
BANCOS COMERCIALES
TASAS PASIVAS M/E
Porcentajes
INSTITUCIONES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC ‐ HONDURAS
CITI
PROMEDIO INSTITUCIONES
BANCATLAN
HONDURAS
BANCOCCI
BANCOTRAB
BANCON
FICENSA
BANHCAFE
BANPAIS
FICOHSA
LAFISE
HSBC
PROMERICA
PROCREDIT
AZTECA
BANCOVELO
BAC ‐ HONDURAS
CITI
PROMEDIO Regresar
Produccion
Circulacion
Mínima
Máxima
Mínima
Máxima
Mínima
Máxima
Mínima
5.8
5.3
0.1
1.0
5.5
0.5
3.0
6.0
1.0
4.3
1.0
4.3
0.3
1.0
3.6
1.6
0.1
7.0
1.0
6.0
3.2
0.3
6.0
0.3
0.2
4.5
0.5
0.5
5.3
0.8
0.8
9.5
2.0
0.0
0.5
0.2
4.0
0.5
5.0
0.2
4.0
3.0
0.7
5.4
0.8
5.1
3.1
Depositos de Ahorro
Máxima
2.5
0.1
4.0
4.3
2.0
1.0
1.5
2.0
4.0
1.5
1.0
2.5
2.0
0.6
2.5
6.3
2.4
Extranjeros
Máxima
Mínima
Máxima
Mínima
5.8
0.5
5.0
Máxima
Mínima
Otros Pasivos
Mínima
Máxima
Mínima
Máxima
Mínima
1.0
5.8
3.2
7.1
3.0
3.7
2.5
3.5
3.5
1.0
1.3
6.2
1.9
5.8
3.0
5.6
2.4
5.3
5.2
5.3
5.3
3.0
3.5
3.5
0.8
0.1
0.8
1.3
0.0
0.1
TASAS PASIVAS M/E
Porcentajes
INSTITUCIONES
Regresar
Máxima
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF PROMEDIO INSTITUCIONES
COFISA
CODIMERSA
CREDI Q
ACRESA
COFINTER
FPC
FICASA
FINSOL
FINISA
FINCA ODEF PROMEDIO Certificados, Pagares y Bonos de Caja para la Titulos Valores en Otros Efectos
Produccion
Circulacion
Mínima
Máxima
Mínima
Máxima
Mínima
Máxima
Mínima
Depositos de Ahorro
Mínima
Máxima
Mínima
2.0
6.0
3.0
6.0
2.0
6.0
3.0
6.0
Extranjeros
Máxima
Mínima
Máxima
Mínima
10.8
10.8
1.0
1.0
Máxima
Mínima
Otros Pasivos
Máxima
Mínima
Máxima
Mínima
Máxima
Mínima
II. ESTADÍSTICAS DEL SISTEMA FINANCIERO
II.2 Estadísticas por Sub Sistema
a. Indicadores Financieros ‐ Bancos Comerciales
BANCOS COMERCIALES
INDICADORES FINANCIEROS
Comparativo Marzo 2010‐2011
(En porcentajes)
Regresar
CONCEPTO
2010
2011
SOLVENCIA Y ADECUACION DE CAPITAL
Recursos Propios/Activos Ponderados
14.18
14.58
Total Deuda /Capital y Reservas (No. de veces)
9.02
9.02
Depositos Ordinarios del Publico/Cap. y Rvas. (No. de veces)
7.09
7.08
Act. no Product./Cap. y Rvas. ( No. de veces)
Patrimonio Ajustado/Capital y Reservas
ESTRUCTURA DE ACTIVOS Y DE PASIVO
Disponibilidades/Activos Totales (‐) Contingentes
0.53
0.50
119.52
119.36
12.34
9.09
1.43
1.29
Activos Contingentes/Activos Totales
11.84
11.71
Exigibilidades Inmediatas/Pasivos Totales (‐) Contingentes
17.29
17.82
Exigibilidades a Termino/Pasivos Totales (‐) Contingentes
27.00
24.93
Pasivos Externos/Pasivos Totales (‐) Contingentes
27.99
26.81
Obligaciones Bancarias/Pasivos Totales (‐) Contingentes
CALIDAD DE ACTIVOS
14.97
15.39
Rvas. para Credi. e Inst. Dudosos/Total Cart. Cred. e Inst.
3.64
3.82
Reserva para Cred.e Int. Dudosos/Mora Cartera Crediticia
76.58
105.18
Otros Activos/Total Activos (‐) Contingentes
Mora Cartera Crediticia /Total Cartera Crediticia
4.75
3.63
Mora Cartera Crediticia/Cartera Creditica Directa
5.04
3.86
Int. por Cobrar Sobre Ptmo. /Cartera Cred. Direc
1.10
1.05
Operaciones en Suspenso/Total Cartera Crediticia e Int.
1.20
1.07
Cred. Venc. y Cred. en Cobro Jud. /Cartera Crediticia
1.75
1.32
Activos Productivos/Total Activos Reales
81.78
85.46
Creditos Categoria I y II /Total Cartera Crediticia e Intereses
LIQUIDEZ
89.97
90.67
Activos Liquidos/Depositos Ordinarios del Publico
38.22
43.30
Activos Liquidos M.N/Depositos Ord. del Publ. M.N.
37.39
47.91
Activos Liquidos M.E./Dep. Ordinarios del Publ. M.E.
40.06
31.95
Acti.Liquidos+Prestamos Interbanc./Dep.Ord. del Pub.+Prest.Inte.
RENTABILIDAD
38.05
43.00
Utilidad Neta/Cap. y Reservas
3.83
3.30
Utilidad Neta/Activos Productivos Promedio
0.48
0.40
RF=Ing. Fin./Act.Prod.Prom.
3.83
3.62
CP=Costo Pasivo /Ob.Depositarias y Banc. Promedio
1.63
1.55
Margen Intermediacion=Rendim Fin.(RF) ‐ Costo Pasivo.(CP)
GESTION Y EFICIENCIA
1.88
1.75
2.04
48.94
101.73
2.01
49.79
110.02
Gastos de Administracion/Activos Productivos Promedio
Activos Productivos Promedio / Gastos de Administracion
Gastos en Personal/Utilidad Bruta
Nota: El índice "Recursos Propios / Activos Ponderados" se presenta ajustado por la CNBS.
BANCATLAN
(En porcentajes)
CONCEPTO
2010
2011
14.96
15.65
8.20
8.65
6.79
6.95
0.54
0.47
123.42
125.84
11.19
10.64
0.92
0.61
6.38
5.70
17.77
15.92
25.19
26.05
29.71
27.76
CALIDAD DE ACTIVOS
11.00
13.74
4.15
4.86
115.28
97.09
3.60
5.00
3.86
5.38
1.34
1.09
1.25
1.47
2.05
2.87
82.23
83.87
LIQUIDEZ
87.60
87.52
33.18
46.26
34.29
51.15
30.91
34.56
RENTABILIDAD
32.57
45.70
4.43
3.14
0.62
0.41
3.16
2.69
1.11
1.07
2.05
1.69
59.32
73.74
1.62
1.46
68.55
95.03
HONDURAS
(En porcentajes)
CONCEPTO
2010
2011
51.38
48.14
3.69
3.50
3.04
2.77
0.14
0.13
104.59
105.01
20.94
16.15
2.61
2.58
45.85
49.68
79.71
87.93
7.82
2.45
44.52
45.39
CALIDAD DE ACTIVOS
0.00
0.42
3.60
3.12
95.15
137.03
3.79
2.28
5.05
2.75
0.31
0.28
0.70
0.71
3.79
2.28
75.50
80.44
LIQUIDEZ
97.37
97.72
97.35
93.07
135.22
157.63
52.72
31.28
RENTABILIDAD
99.34
93.07
1.65
1.48
0.45
0.42
1.83
1.46
0.35
0.13
1.48
1.51
66.11
80.13
1.33
1.71
58.51
70.35
BANCOCCI
(En porcentajes)
CONCEPTO
2010
2011
12.16
12.54
10.72
11.84
9.77
10.87
0.68
0.60
127.79
134.90
9.77
6.45
1.64
1.01
3.03
2.25
14.21
13.88
14.28
12.68
15.90
15.23
CALIDAD DE ACTIVOS
3.28
3.54
5.41
6.88
44.75
72.35
12.09
9.51
12.63
9.92
1.36
1.43
4.14
3.86
1.99
2.11
84.02
88.58
LIQUIDEZ
78.73
80.05
45.84
57.09
46.52
61.13
42.81
37.75
RENTABILIDAD
45.90
57.13
4.70
4.30
0.48
0.40
5.34
5.40
3.51
3.77
1.83
1.44
69.27
95.13
1.63
1.35
73.84
96.25
BANCOTRAB *
(En porcentajes)
CONCEPTO
2010
2011
13.09
15.60
7.98
8.51
5.57
5.38
0.98
1.04
151.94
151.81
8.57
5.54
1.68
1.62
0.43
0.93
7.01
8.66
32.01
23.48
5.67
6.34
CALIDAD DE ACTIVOS
22.73
25.50
8.17
8.86
56.20
62.07
14.54
14.28
14.97
14.73
2.35
1.65
5.27
2.08
6.01
6.27
79.86
83.57
LIQUIDEZ
75.60
83.20
23.67
47.83
22.88
44.96
31.61
69.57
RENTABILIDAD
22.98
47.28
2.70
2.40
0.38
0.28
5.12
3.93
2.25
1.60
2.87
2.52
39.76
232.77
** NOTA: "Cifras del año 2010, después de la Capitalización y aporte del FOSEDE"
2.33
2.22
45.06
248.24
BANCON
(En porcentajes)
CONCEPTO
2010
2011
13.60
13.64
5.64
5.53
3.45
3.39
0.34
0.34
106.65
108.56
12.44
6.01
1.29
1.37
8.12
5.93
19.58
23.91
30.74
23.19
24.47
22.30
CALIDAD DE ACTIVOS
27.85
28.66
2.41
2.92
102.42
129.81
2.36
2.25
2.69
2.44
1.15
1.15
0.79
0.91
0.30
0.13
81.72
88.40
LIQUIDEZ
93.40
92.88
38.54
28.63
34.54
29.75
46.57
26.25
RENTABILIDAD
38.54
28.63
2.90
2.97
0.58
0.53
3.33
3.08
1.34
1.11
1.99
1.71
58.53
110.77
1.97
1.73
57.94
113.05
FICENSA
(En porcentajes)
CONCEPTO
2010
2011
14.40
16.54
9.60
8.52
5.97
5.60
0.18
0.15
119.53
122.80
15.83
12.76
0.42
0.26
24.65
28.52
9.41
11.76
31.81
30.65
28.74
36.67
CALIDAD DE ACTIVOS
39.15
35.53
2.64
3.55
162.47
333.32
1.63
1.06
1.68
1.11
0.48
0.49
0.13
0.16
0.20
0.50
81.91
85.17
LIQUIDEZ
96.89
95.62
36.91
41.10
39.22
44.24
32.01
35.70
RENTABILIDAD
37.04
39.08
4.71
2.78
0.55
0.35
3.27
2.78
1.63
1.40
1.64
1.09
91.74
77.37
1.38
1.09
91.95
105.23
BANHCAFE
(En porcentajes)
CONCEPTO
2010
2011
20.55
23.10
7.35
7.78
5.67
6.12
0.53
0.50
102.98
105.05
10.38
6.93
1.03
0.91
9.52
17.84
18.01
17.27
6.97
6.49
10.42
8.48
CALIDAD DE ACTIVOS
16.67
15.39
1.79
2.23
99.09
89.84
1.81
2.48
1.86
2.60
1.40
1.50
2.34
2.85
1.68
2.28
82.85
87.20
LIQUIDEZ
97.87
97.25
48.41
63.84
48.44
65.96
48.24
46.92
RENTABILIDAD
48.41
63.84
3.40
3.32
0.49
0.46
3.37
2.95
0.98
0.88
2.39
2.49
40.13
201.60
2.07
2.19
45.74
180.19
BANPAIS
(En porcentajes)
CONCEPTO
2010
2011
12.97
11.38
11.72
11.19
9.16
8.76
0.57
0.60
122.31
122.20
9.59
8.30
0.62
0.69
4.76
4.23
15.68
15.70
36.86
34.49
28.96
29.74
CALIDAD DE ACTIVOS
15.16
15.53
2.63
2.75
124.76
193.99
2.11
1.42
2.21
1.47
0.88
0.78
0.28
0.21
0.45
0.27
85.59
86.49
LIQUIDEZ
92.71
90.17
24.45
24.94
23.62
26.94
25.96
21.04
RENTABILIDAD
24.45
24.94
6.28
5.70
0.57
0.55
3.24
3.03
1.45
1.19
1.79
1.36
73.57
73.18
1.84
1.40
71.29
72.29
FICOHSA
(En porcentajes)
CONCEPTO
2010
2011
12.10
13.20
11.12
10.12
7.87
7.04
0.59
0.54
123.56
120.06
11.34
9.85
2.50
2.62
11.46
11.50
16.66
17.69
27.75
24.43
38.94
39.74
CALIDAD DE ACTIVOS
23.23
25.75
3.50
3.23
121.16
138.13
2.89
2.34
3.12
2.52
0.89
0.73
0.27
0.23
0.25
0.13
83.16
84.76
LIQUIDEZ
91.91
93.91
36.69
36.89
39.81
41.65
32.29
29.77
RENTABILIDAD
36.41
35.93
4.52
4.27
0.46
0.48
3.01
2.92
1.27
1.01
1.74
1.58
63.26
69.43
1.91
1.75
57.02
66.07
LAFISE
(En porcentajes)
CONCEPTO
2010
2011
14.40
12.75
12.30
15.14
8.68
10.10
0.71
0.96
113.78
113.97
13.18
9.70
2.92
2.30
8.52
10.64
11.57
11.55
35.98
39.99
31.52
29.38
CALIDAD DE ACTIVOS
27.40
30.91
2.11
1.81
98.49
78.51
2.14
2.30
2.23
2.54
1.06
0.96
1.66
1.04
1.39
1.53
81.11
83.87
LIQUIDEZ
97.61
97.86
32.82
39.53
32.56
42.02
33.21
34.40
RENTABILIDAD
34.09
36.91
4.06
4.25
0.37
0.34
3.42
3.03
1.60
1.41
1.82
1.65
60.57
110.92
1.62
1.59
62.80
112.23
HSBC
(En porcentajes)
CONCEPTO
2010
2011
14.78
15.31
10.30
10.66
8.03
8.19
0.76
0.77
130.39
122.06
11.58
6.78
0.56
0.52
7.83
13.65
15.36
18.46
21.88
22.25
25.28
21.83
CALIDAD DE ACTIVOS
13.46
12.91
4.59
3.50
55.34
221.58
8.30
1.58
8.78
1.73
0.82
0.81
0.72
0.29
5.95
1.14
80.90
86.06
LIQUIDEZ
87.18
91.05
40.09
45.72
37.13
52.80
46.84
25.87
RENTABILIDAD
40.09
45.72
‐0.26
0.46
‐0.03
0.05
3.04
2.85
1.09
1.05
1.95
2.58
38.75
2,733.34
1.80
2.20
45.45
916.56
PROMERICA
(En porcentajes)
CONCEPTO
2010
2011
11.13
12.47
9.73
9.71
8.54
8.25
0.53
0.43
109.47
116.96
9.95
9.97
1.65
0.98
29.98
29.72
8.96
10.14
63.95
60.26
27.83
26.27
CALIDAD DE ACTIVOS
8.77
10.27
1.57
2.54
78.10
167.79
2.01
1.52
2.10
1.58
2.35
2.17
0.16
0.22
1.41
0.84
84.78
85.55
LIQUIDEZ
98.08
97.01
29.22
23.88
23.61
22.99
41.78
25.90
RENTABILIDAD
29.22
23.88
1.41
4.23
0.16
0.47
5.43
5.17
2.07
1.68
3.36
3.87
25.84
432.87
3.49
3.54
28.22
128.73
PROCREDIT
(En porcentajes)
CONCEPTO
2010
2011
32.56
29.59
2.95
3.20
2.70
2.87
0.62
0.45
101.38
101.85
14.60
6.56
7.37
4.27
0.00
0.03
9.87
5.46
73.96
72.51
15.41
11.88
CALIDAD DE ACTIVOS
4.00
8.70
2.25
2.58
145.22
112.40
1.55
2.29
1.58
2.33
1.91
1.64
0.40
0.53
1.11
1.43
69.56
82.71
LIQUIDEZ
97.45
96.91
35.76
31.16
31.88
32.43
54.02
23.41
RENTABILIDAD
34.29
31.16
‐6.97
‐4.36
‐2.60
‐1.33
6.79
5.86
2.95
2.51
3.84
6.71
14.91
‐106.22
3.35
5.09
19.65
‐153.26
AZTECA
(En porcentajes)
CONCEPTO
2010
2011
54.06
50.72
2.25
2.57
1.90
2.29
0.29
0.34
103.82
103.23
31.45
8.65
5.13
7.28
0.00
0.00
44.22
22.76
38.60
55.80
6.91
0.27
CALIDAD DE ACTIVOS
0.00
0.00
11.83
11.60
203.73
186.24
5.80
6.23
6.07
6.37
4.59
2.27
1.45
4.03
1.00
2.49
57.90
81.55
LIQUIDEZ
81.58
87.46
72.65
70.55
68.31
68.96
114.57
541.73
RENTABILIDAD
72.65
70.55
11.13
6.18
5.36
2.38
27.40
21.25
2.72
2.14
24.68
19.49
5.13
12.94
19.11
18.67
5.36
39.95
BANCOVELO
INDICADORES FINANCIEROS Comparativo Marzo 2010‐2011
(En porcentajes)
CONCEPTO
2010
2011
31.94
46.04
3.19
1.66
1.14
0.80
0.40
0.29
120.98
110.76
8.17
3.12
5.15
5.41
0.35
0.36
3.64
2.82
22.18
30.91
1.17
0.19
CALIDAD DE ACTIVOS
55.41
43.04
7.27
5.34
75.59
97.93
9.62
5.46
9.72
5.56
1.03
1.37
2.33
1.45
2.45
0.64
81.90
85.93
LIQUIDEZ
88.61
92.17
44.50
33.35
43.02
29.40
130.15
961.16
RENTABILIDAD
33.60
31.85
‐0.57
0.14
‐0.16
0.06
4.92
5.82
2.12
2.00
2.80
3.71
26.96
‐1,238.31
3.82
5.08
19.70
2,513.13
BAC|HONDURAS
(En porcentajes)
CONCEPTO
2010
2011
14.07
13.18
8.19
8.16
6.41
6.38
0.31
0.32
106.73
106.42
14.77
10.56
0.92
1.09
23.62
20.80
25.26
28.42
23.98
18.38
32.39
31.28
CALIDAD DE ACTIVOS
15.76
14.86
1.92
2.02
86.48
116.04
2.22
1.75
2.34
1.83
0.67
0.67
0.32
0.20
1.08
0.75
81.35
85.58
LIQUIDEZ
95.74
95.35
38.80
39.02
31.17
41.43
53.82
33.96
RENTABILIDAD
38.65
39.82
4.17
3.81
0.57
0.51
3.38
3.21
1.12
0.91
2.26
2.31
43.21
98.84
2.30
2.54
39.42
110.67
CITIBANK
(En porcentajes)
CONCEPTO
2010
2011
12.57
15.71
9.99
7.69
8.30
7.18
0.58
0.62
118.56
108.93
25.35
13.93
2.05
2.28
19.01
21.24
14.42
13.41
47.98
48.58
37.14
28.72
CALIDAD DE ACTIVOS
7.20
3.82
3.32
2.85
76.68
86.59
4.33
3.29
4.56
3.46
1.17
3.32
0.25
1.06
1.97
1.35
68.35
78.47
LIQUIDEZ
93.66
91.59
49.34
36.98
37.43
34.08
69.71
43.36
RENTABILIDAD
49.34
36.98
5.02
0.78
0.69
0.11
6.68
6.35
1.65
1.53
5.03
4.92
20.33
100.09
4.82
5.47
18.28
467.96
II ESTADISTICAS DEL SISTEMA FINANCIERO II. 2 Estadisticas por Sub Sistema
a. Indicadores Financieros ‐ Sociedades Financieras
SOCIEDADES FINANCIERAS INDICADORES FINANCIEROS
(En porcentajes)
Regresar
CONCEPTO
2010
2011
27.22
30.93
3.66
3.59
2.07
2.14
0.31
0.34
111.89
111.71
6.63
7.17
2.31
2.24
0.00
0.00
3.03
3.48
48.42
48.28
7.18
7.97
CALIDAD DE ACTIVOS
28.48
25.23
4.65
4.69
79.01
130.55
5.89
3.60
5.98
3.66
1.64
1.84
1.73
1.57
1.66
1.79
93.99
90.62
LIQUIDEZ
90.12
91.74
30.74
31.64
30.57
31.66
32.46
31.51
RENTABILIDAD
28.14
30.00
1.76
3.64
0.53
1.08
7.63
7.07
2.79
2.43
3.29
3.47
4.93
4.31
20.30
23.20
207.56
115.18
COFISA
(En porcentajes)
CONCEPTO
2010
2011
21.23
24.84
5.92
5.43
2.53
2.48
0.60
0.63
137.33
139.78
5.18
3.78
1.92
0.88
0.00
0.00
5.49
5.22
36.06
39.26
0.00
0.00
CALIDAD DE ACTIVOS
43.98
41.18
6.63
7.83
56.75
129.12
11.68
6.06
11.86
6.15
1.55
1.51
3.06
3.63
0.98
2.06
85.78
86.11
LIQUIDEZ
85.26
86.54
27.77
30.64
27.77
30.64
0.00
0.00
27.77
30.64
4.09
8.78
0.69
1.59
5.53
5.78
2.55
2.47
2.98
3.31
2.01
2.24
49.72
44.68
106.06
44.31
RENTABILIDAD
CODIMERSA
(En porcentajes)
CONCEPTO
2010
2011
80.12
77.77
0.31
0.42
0.22
0.27
0.25
0.23
109.87
107.42
8.88
12.80
1.84
1.96
0.00
0.00
8.86
9.22
49.46
51.10
28.15
24.89
CALIDAD DE ACTIVOS
5.72
12.53
10.88
9.91
179.30
185.10
6.07
5.35
6.17
5.45
1.58
1.87
0.06
0.52
0.13
1.98
71.87
70.03
LIQUIDEZ
90.18
91.68
72.45
86.07
81.65
97.00
60.88
51.18
RENTABILIDAD
64.93
69.12
3.12
3.14
3.08
2.79
4.55
4.04
1.60
1.94
2.95
2.10
1.39
1.16
71.86
86.19
25.71
21.13
CREDI Q
(En porcentajes)
CONCEPTO
2010
2011
17.98
25.84
4.54
4.79
3.48
4.06
0.23
0.22
105.96
103.49
11.48
12.70
2.11
2.20
0.00
0.00
2.49
3.14
73.23
74.45
20.78
22.59
CALIDAD DE ACTIVOS
19.64
9.90
2.68
2.52
88.63
163.14
3.02
1.55
3.05
1.56
0.98
0.89
0.24
0.15
0.32
0.43
84.08
83.34
LIQUIDEZ
92.35
97.04
29.61
31.06
31.71
33.48
22.53
25.01
RENTABILIDAD
25.37
29.05
1.41
3.26
0.30
0.65
4.20
3.88
3.10
2.39
1.10
1.49
1.99
1.65
50.35
60.56
113.00
52.35
ACRESA
(En porcentajes)
CONCEPTO
2010
2011
24.57
32.15
6.51
5.00
3.69
2.70
0.32
0.28
100.46
102.74
4.00
5.06
3.51
3.88
0.00
0.00
1.97
2.80
55.82
52.28
0.00
0.00
CALIDAD DE ACTIVOS
0.81
0.00
2.19
5.38
83.47
423.72
2.62
1.27
2.64
1.28
0.72
0.52
0.23
0.18
0.31
1.27
243.87
210.66
LIQUIDEZ
96.96
79.63
21.09
27.04
20.73
25.55
0.00
0.00
20.79
27.04
3.42
4.03
3.42
4.14
55.43
45.77
2.70
2.51
52.73
43.26
42.02
34.82
2.38
2.87
56.54
44.37
RENTABILIDAD
COFINTER
(En porcentajes)
CONCEPTO
2010
2011
45.59
41.64
1.56
1.74
1.12
1.24
0.19
0.13
113.81
118.61
2.52
4.77
5.65
3.72
0.00
0.00
6.34
5.95
65.53
64.03
0.00
0.00
CALIDAD DE ACTIVOS
14.47
14.92
7.26
8.37
153.47
490.38
4.73
1.71
4.75
1.71
0.45
0.33
0.43
0.31
0.21
0.20
90.16
90.13
LIQUIDEZ
93.58
95.67
37.24
40.25
37.00
40.13
0.00
0.00
37.24
36.09
5.52
5.05
2.37
2.01
6.79
6.85
2.76
2.55
4.03
4.30
2.16
2.99
46.28
33.42
31.90
36.79
RENTABILIDAD
FPC
(En porcentajes)
CONCEPTO
2010
2011
32.61
30.03
2.74
2.95
2.58
2.77
0.40
0.51
106.00
105.82
7.96
5.93
1.87
1.42
0.00
0.00
3.63
4.30
84.19
83.39
0.00
0.00
CALIDAD DE ACTIVOS
0.00
0.00
3.98
4.66
19.14
32.32
20.81
14.42
21.27
15.22
2.20
5.51
14.07
12.80
10.68
10.81
81.24
81.05
LIQUIDEZ
84.39
65.92
29.43
30.86
29.41
30.23
0.00
0.00
29.43
30.86
2.04
1.86
0.65
0.59
6.63
6.55
3.15
3.14
3.48
3.41
3.14
3.04
31.87
32.90
254.16
245.22
RENTABILIDAD
FICASA
(En porcentajes)
CONCEPTO
2010
2011
51.92
69.31
1.22
0.81
1.19
0.70
0.17
0.22
111.86
127.98
5.58
10.73
0.41
1.82
0.00
0.00
0.71
0.62
73.70
52.78
0.00
0.00
CALIDAD DE ACTIVOS
0.00
0.00
9.76
20.66
58.24
84.16
16.75
24.55
17.15
25.20
2.35
2.64
9.52
7.42
13.23
15.59
85.95
74.60
LIQUIDEZ
71.61
64.78
33.76
62.13
33.17
56.57
0.00
0.00
33.76
62.13
0.20
1.66
0.11
1.05
5.64
5.40
3.45
3.36
2.19
2.04
5.78
2.17
17.29
46.12
1,646.95
88.24
RENTABILIDAD
FINSOL
(En porcentajes)
CONCEPTO
2010
2011
32.39
31.68
2.80
2.97
1.05
1.18
0.30
0.42
113.27
108.18
3.17
1.84
0.72
0.60
0.00
0.00
3.33
3.80
19.93
22.97
0.00
0.00
CALIDAD DE ACTIVOS
51.84
50.55
4.48
2.75
148.06
216.36
3.03
1.27
3.07
1.29
1.49
1.56
0.42
0.28
1.35
0.91
88.69
87.87
LIQUIDEZ
91.26
95.18
43.68
24.19
43.67
24.18
0.00
0.00
43.68
24.19
2.48
1.64
0.75
0.46
5.22
5.24
2.36
2.06
2.86
3.18
3.77
4.04
26.54
24.77
181.60
335.87
RENTABILIDAD
FINISA
(En porcentajes)
CONCEPTO
2010
2011
57.56
67.15
1.20
1.10
1.14
1.07
0.33
0.42
110.23
114.58
11.96
17.08
0.91
0.26
0.00
0.00
2.75
1.63
65.25
64.70
0.00
0.00
CALIDAD DE ACTIVOS
0.00
0.00
8.16
10.73
54.64
107.78
14.94
9.96
16.82
11.87
12.57
19.20
3.22
3.12
5.44
4.66
72.28
61.39
LIQUIDEZ
72.61
75.53
39.88
50.71
39.45
43.23
0.00
0.00
39.88
50.71
0.53
0.82
0.31
0.61
5.50
5.96
3.22
3.06
2.28
2.90
3.01
2.99
33.25
33.45
376.66
222.98
RENTABILIDAD
FINCA
(En porcentajes)
CONCEPTO
2010
2011
54.38
39.92
1.04
1.75
0.22
0.10
0.44
0.35
104.22
101.65
5.89
8.40
9.03
6.03
0.00
0.00
10.82
3.90
0.25
0.22
0.00
0.00
CALIDAD DE ACTIVOS
62.40
83.19
2.22
0.95
80.59
184.92
2.75
0.52
2.80
0.53
1.81
2.30
0.11
0.09
1.69
0.31
75.91
78.71
LIQUIDEZ
97.29
99.10
80.10
259.05
79.28
251.56
0.00
0.00
56.11
25.26
‐14.47
1.09
‐7.89
0.50
14.98
14.43
4.16
3.33
10.82
11.10
19.84
12.22
5.04
8.18
‐142.63
1,179.00
RENTABILIDAD
ODEF
(En porcentajes)
CONCEPTO
2010
2011
23.71
23.12
4.32
4.83
1.10
1.85
0.35
0.45
121.16
116.51
5.59
4.78
1.58
2.56
0.00
0.00
1.48
2.42
12.22
13.61
9.75
8.27
CALIDAD DE ACTIVOS
66.95
55.12
4.74
3.64
186.73
165.79
2.54
2.20
2.59
2.23
1.92
1.72
0.69
0.55
1.13
1.17
87.55
87.32
LIQUIDEZ
93.42
95.28
46.59
27.53
36.01
25.83
0.00
0.00
34.13
27.53
1.56
5.35
0.33
1.08
7.90
6.79
2.47
2.29
5.43
4.50
5.71
4.71
17.52
21.23
468.86
227.13
RENTABILIDAD
II. ESTADÍSTICAS DEL SISTEMA FINANCIERO
OFICINAS DE REPRESENTACION INDICADORES FINANCIEROS
(En porcentajes)
II.2 Estadísticas por Sub Sistema
a. Indicadores Financieros ‐ Oficinas de Representación
1/
Regresar
CONCEPTO
2010
2011
0.46
0.56
217.75
187.75
0.00
0.00
4.47
3.15
100.00
104.27
0.03
0.03
0.01
0.03
0.00
0.00
89.61
92.05
0.00
0.00
99.99
99.96
CALIDAD DE ACTIVOS
10.38
7.92
0.00
0.02
0.00
0.09
32.38
24.56
33.05
24.97
2.07
1.66
0.50
1.20
0.00
2.53
97.93
98.30
LIQUIDEZ
55.90
62.20
0.00
0.00
0.00
0.00
0.00
0.00
RENTABILIDAD
0.00
0.00
0.00
6.44
0.00
0.03
0.17
0.16
1.26
0.82
0.17
0.16
0.04
0.06
2,247.81
1,615.20
0.00
86.16
1/
Autorizadas para otorgamiento de Créditos o para realizar inversiones. No pueden captar fondos del público en el país.
BANCO AGRICOLA, S.A. (BAC EL SALVADOR)
(En porcentajes)
CONCEPTO
2010
2011
4.06
6.09
23.66
15.86
0.00
0.00
0.05
0.04
100.00
104.55
0.07
0.09
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
100.00
99.71
CALIDAD DE ACTIVOS
100.00
99.71
0.00
0.27
0.00
0.00
0.00
0.00
0.00
0.00
0.21
0.21
0.00
0.00
0.00
0.00
99.72
99.70
100.00
100.00
0.00
0.00
0.00
0.00
0.00
0.00
RENTABILIDAD
0.00
0.00
‐1.44
2.59
‐0.06
0.15
1.18
1.18
1.26
0.82
‐0.08
0.36
0.02
0.26
4,995.83
390.62
0.00
0.00
LIQUIDEZ
LAAD AMERICA, N.V.
(En porcentajes)
CONCEPTO
2010
2011
0.02
0.06
4,353.39
2,812.46
0.00
0.00
98.56
50.67
100.00
100.00
0.02
0.03
0.01
0.03
0.00
0.00
100.00
99.99
0.00
0.00
99.99
99.98
CALIDAD DE ACTIVOS
0.00
0.00
0.00
0.00
0.00
0.00
36.29
26.81
37.13
27.30
2.30
1.79
0.56
1.31
0.00
2.76
97.72
98.17
LIQUIDEZ
50.58
58.73
0.00
0.00
0.00
0.00
0.00
0.00
RENTABILIDAD
0.00
0.00
‐14.26
65.31
0.00
0.02
0.04
0.07
0.00
0.00
0.04
0.07
0.05
0.04
2,097.83
2,295.82
‐1,023.67
138.24
II ESTADISTICAS DEL SISTEMA FINANCIERO
II.2 Estadisticas por Sub Sistema Balances‐ Bancos Comerciales BANCOS COMERCIALES: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
Total
2 0 1 1
Moneda
Nacional
ACTIVO
Disponibilidades
Caja
Depósitos en el Banco Central
Depósitos en Bancos Del Interior
Depósitos en Bancos Del Exterior
Otras Disponibilidades
Inversiones
En Entidades Oficiales
Disponibilidad Inmediata
Acciones y Participaciones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Créditos Refinanciados
Activos Eventuales
Activos Fijos
Cargos Diferidos
Bienes en Arrendamiento Financiero
Otros Activos
ACTIVOS CONTINGENTES
Garantías y Avales Otorgados
Créditos por Utilizar
Reportos Títulos por Recibir
Préstamos y Descuentos Negociados
TOTAL ACTIVO
200,318,257.4
24,831,620.0
4,723,661.9
12,874,613.4
307,645.4
5,814,516.7
1,111,182.6
36,195,564.6
24,515,391.7
4,263,577.0
1,679,272.4
5,737,323.5
125,527,793.3
117,333,028.5
3,880,211.8
823,784.2
1,502,746.5
1,988,022.3
1,377,085.5
2,152,267.0
7,086,688.6
1,161,550.6
52,071.3
1,933,616.6
26,894,752.4
6,219,500.2
20,669,328.1
0.0
5,924.0
227,213,009.8
146,857,705.9
12,005,626.4
4,074,545.1
6,632,661.2
285,600.4
PASIVO
Exigibilidades
Depósitos
Depósitos en Cuenta de Cheques
Depósitos de Ahorro
Depósitos a Plazo
Otros Depósitos
Otras Exigibilidades
Préstamos Sectoriales
Créditos y Obligaciones Bancarias
Obligaciones por Activos Arrendados
Obligaciones Subordinadas a Término
Reservas Técnicas
Créditos Diferidos
Reserva para Créditos Dudosos
Para Depreciación de Mueble e Inmueble
178,884,535.1
140,638,723.2
136,285,282.9
25,823,720.1
61,065,600.1
48,189,470.4
1,206,492.3
4,353,440.3
26,257,872.9
18,671,411.7
7,112,702.4
187.9
473,570.8
192,261.1
856,297.3
9,381,270.8
4,840,546.1
128,929,294.3
97,391,774.8
93,460,719.3
20,183,390.7
39,926,370.6
33,043,771.6
307,186.4
3,931,055.4
19,730,131.7
17,301,175.5
2,363,956.2
0.0
65,000.0
160,388.2
707,618.9
9,381,270.8
4,840,546.1
2,886,133.8
1,654,590.9
1,558,109.9
21,433,722.2
15,466,275.7
5,967,446.5
741,718.8
200,318,257.4
2,886,133.8
1,654,590.9
1,558,109.9
21,433,722.2
15,466,275.7
5,967,446.5
741,718.8
150,363,016.6
26,894,752.4
227,213,009.8
18,306,262.9
168,669,279.5
Otras
Reservas Eventuales
CAPITAL Y RESERVAS DE CAPITAL
Capital Primario
Capital Complementario
Resultados del Ejercicio
SUB‐TOTAL PASIVO Y CAPITAL
PASIVOS CONTINGENTES
CUENTAS DE ORDEN Y REGISTRO
Valores y Bienes Cedidos en Garantía
Garantía de Créditos Concedidos
Clasificación de Cartera Crediticia
Créditos Comerciales
Créditos de Consumo
Créditos para Vivienda
Microcréditos
Créditos Relacionados
Administraciones Ajenas
Fideicomisos
Otras
Otras Cuentas de Orden y Registro
Regresar
Extranjera
Moneda
Nacional
Extranjera
163,067,796.1
9,260,818.1
4,159,698.9
4,381,936.5
231,601.9
198,084,516.6
155,063,988.8
150,475,310.7
29,981,422.3
70,196,136.9
49,266,044.7
1,031,706.8
4,588,678.1
29,293,266.5
20,019,448.0
9,022,069.1
0.0
251,749.3
177,825.2
1,268,543.3
10,292,577.5
5,350,459.2
145,111,796.8
110,663,940.0
106,578,756.8
23,452,764.3
47,860,803.8
34,920,453.7
344,735.1
4,085,183.2
20,845,395.7
18,301,570.0
2,458,825.6
0.0
85,000.0
146,027.9
1,175,540.4
10,292,577.5
5,350,459.2
49,955,240.8
3,187,880.4
1,754,237.9
1,988,315.3
23,181,068.6
17,597,542.7
5,583,525.9
705,048.8
221,265,585.2
3,187,880.4
1,754,237.9
1,988,315.3
23,181,068.6
17,597,542.7
5,583,525.9
705,048.8
168,292,865.4
52,972,719.8
10.46
6.02
27.61
8.15
13.78
‐6.43
‐4.94
10.46
8,588,489.5
58,543,730.3
29,357,245.9
250,622,831.1
18,777,846.6
187,070,712.0
10,579,399.3
63,552,119.1
9.16
10.30
483,611,609.9
407,218,920.5
76,392,689.5
540,040,766.3
445,253,736.5
94,787,029.8
530,975.7
6,550.4
524,425.3
485,878.0
5,183.4
480,694.5
214,979,168.3
179,244,495.5
35,734,672.8
240,987,011.0
199,760,512.2
41,226,498.8
133,224,827.6
133,224,827.6
139,808,465.7
139,808,465.7
87,953,311.1
87,953,311.1
91,887,727.9
91,887,727.9
20,105,732.9
20,105,732.9
20,249,054.8
20,249,054.8
24,536,577.1
26,791,546.3
26,791,546.3
24,536,577.1
629,206.5
629,206.5
880,136.7
880,136.7
0.0
0.0
1,932,756.1
1,932,756.1
46,542,353.0
44,113,398.5
2,428,954.5
50,247,199.8
46,430,808.9
3,816,390.9
38,572,311.9
38,149,916.2
422,395.7
40,848,058.8
40,435,110.7
412,948.1
5,963,482.3
2,006,558.8
9,399,141.0
5,995,698.2
3,403,442.8
7,970,041.2
88,334,285.2 50,629,648.4 37,704,636.9 106,579,455.7 57,316,010.1 49,263,445.6
11.67
‐8.49
12.10
4.94
4.47
0.71
9.19
39.88
N/A
7.96
5.90
17.93
20.65
1,477,310.3
45,198.2
95,483,126.1
88,588,135.8
3,628,110.3
679,945.4
1,307,890.7
1,279,043.9
1,118,300.6
2,152,267.0
7,086,688.6
1,139,330.0
41,758.5
1,792,708.4
18,306,262.9
1,814,152.0
16,486,186.9
0.0
5,924.0
165,163,968.8
4,263,577.0
201,962.1
5,692,125.3
30,044,667.1
28,744,892.7
252,101.6
143,838.7
194,855.7
708,978.4
258,784.8
0.0
22,220.6
10,312.8
140,908.2
8,588,489.5
4,405,348.2
4,183,141.2
0.0
0.0
62,049,041.0
49,955,240.8
43,246,948.4
42,824,563.5
5,640,329.4
21,139,229.5
15,145,698.7
899,305.9
422,384.9
6,527,741.2
1,370,236.2
4,748,746.3
187.9
408,570.8
31,872.8
148,678.4
487,580.8
44,761,498.8
43,239,534.9
1,446,611.8
75,352.1
94,980,629.9
86,751,833.3
2,806,365.2
454,882.8
1,017,190.0
3,950,358.6
1,114,154.1
2,259,081.2
7,699,388.6
1,322,669.9
20,160.0
1,649,395.5
18,777,846.6
2,285,229.0
16,491,982.0
0.0
635.6
181,845,642.7
58,197,789.1
10,914,216.3
682,098.2
5,256,273.6
18,163.1
4,910,107.6
47,573.8
10,015,953.4
5,711,965.7
3,044,463.5
53,483.2
1,206,041.0
36,831,859.3
35,063,187.2
357,598.0
78,360.6
294,524.2
1,038,189.3
273,549.1
0.0
Variación (%) 11/10
221,265,585.2
20,175,034.4
4,841,797.1
9,638,210.1
249,765.0
4,910,107.6
535,154.6
54,777,452.2
48,951,500.6
3,044,463.5
1,500,095.0
1,281,393.1
131,812,489.2
121,815,020.5
3,163,963.1
533,243.5
1,311,714.1
4,988,547.9
1,387,703.2
2,259,081.2
7,699,388.6
1,357,380.6
34,186.6
1,762,869.3
29,357,245.9
6,819,928.7
22,536,681.5
0.0
635.6
250,622,831.1
1,012,819.6
26,037,900.2
24,515,391.7
53,460,551.5
12,825,993.6
649,116.8
6,241,952.2
22,045.0
5,814,516.7
98,363.0
10,157,664.3
Total
34,710.6
14,026.6
113,473.8
10,579,399.3
4,534,699.7
6,044,699.6
0.0
0.0
68,777,188.4
52,972,719.8
44,400,048.8
43,896,553.8
6,528,658.0
22,335,333.1
14,345,591.0
686,971.7
503,494.9
8,447,870.8
1,717,878.0
6,563,243.5
0.0
166,749.3
31,797.3
93,002.9
10.46
‐18.75
2.50
‐25.14
‐18.81
‐15.55
‐51.84
51.34
99.68
‐28.59
‐10.67
‐77.67
5.01
3.82
‐18.46
‐35.27
‐12.71
150.93
0.77
4.96
8.65
16.86
‐34.35
‐8.83
9.16
9.65
9.03
N/A
‐89.27
10.30
10.73
10.26
10.41
16.10
14.95
2.23
‐14.49
5.40
11.56
7.22
26.84
‐100.00
‐46.84
‐7.51
48.14
9.71
10.53
BANCATLAN: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
33,553,257.9
3,762,148.5
613,396.8
2,134,213.9
2,890.0
837,678.7
173,969.0
5,492,964.6
4,175,423.0
416,589.8
26,541.4
874,410.4
24,037,339.5
1,744,235.9
513,689.7
1,055,197.2
2,890.0
21,786,162.5
19,290,641.2
357,848.7
56,724.0
420,609.2
1,660,339.5
292,956.4
690,040.9
1,164,115.6
88,991.9
0.0
275,877.7
2,285,444.0
1,243,566.2
1,041,877.8
0.0
0.0
35,838,701.9
15,682,085.7
13,975,468.7
353,657.5
56,637.2
323,299.8
973,022.5
198,868.1
690,040.9
1,164,115.6
88,991.9
0.0
270,981.5
640,729.8
366,897.2
273,832.6
0.0
0.0
24,678,069.3
29,814,949.7
24,845,473.7
24,134,498.7
3,859,614.0
12,037,220.0
7,499,461.2
738,203.5
710,975.0
2,802,731.3
1,720,408.3
1,082,323.1
0.0
0.0
0.0
56,027.9
1,968,765.1
968,485.1
20,971,922.9
16,875,103.9
16,245,964.4
3,822,249.1
7,862,193.8
4,525,784.9
35,736.5
629,139.5
1,938,576.5
1,538,576.5
400,000.0
0.0
0.0
0.0
47,525.7
1,968,765.1
968,485.1
495,649.1
504,630.8
141,951.7
3,738,308.3
3,017,007.3
721,301.0
156,991.6
33,553,257.9
2,285,444.0
35,838,701.9
495,649.1
504,630.8
141,951.7
3,738,308.3
3,017,007.3
721,301.0
156,991.6
24,710,231.2
640,729.8
25,350,961.0
172,458.9
4,198,019.8
4,175,423.0
22,596.8
0.0
Extranjera
9,515,918.4
2,017,912.6
99,707.0
1,079,016.7
0.0
837,678.7
1,510.1
1,294,944.8
416,589.8
3,944.5
874,410.4
6,104,076.8
5,315,172.4
4,191.2
86.8
97,309.4
687,317.0
94,088.2
0.0
0.0
0.0
4,896.1
1,644,714.2
876,668.9
768,045.3
0.0
0.0
11,160,632.6
8,843,026.8
7,970,369.8
7,888,534.3
37,364.9
4,175,026.2
2,973,676.2
702,467.0
81,835.5
864,154.8
181,831.8
682,323.1
0.0
0.0
0.0
8,502.2
Total
Moneda
Nacional
39,595,948.9
4,220,465.2
680,725.4
1,925,923.2
1,241.7
1,561,388.7
51,186.2
9,769,322.9
9,662,706.5
63,534.8
5,291.5
37,790.2
29,026,241.4
1,467,854.8
602,865.7
813,983.4
1,241.7
23,061,342.2
21,276,313.1
526,550.0
129,128.5
581,967.2
547,383.5
251,857.4
681,346.6
1,312,710.3
107,955.8
0.0
190,948.4
2,394,954.3
1,485,616.7
909,337.6
0.0
0.0
41,990,903.2
16,269,891.5
15,004,027.0
418,631.5
110,588.0
324,909.2
411,735.9
197,220.6
681,346.6
1,312,710.3
107,955.8
0.0
189,793.3
673,345.7
472,786.8
200,558.9
0.0
0.0
29,699,587.1
35,468,240.5
28,411,538.3
27,736,167.3
4,479,689.6
13,538,089.5
9,226,253.0
492,135.2
675,371.0
4,392,558.0
2,631,409.1
1,761,148.8
0.0
0.0
0.0
190,202.9
2,293,501.0
1,204,799.8
25,636,929.9
20,212,029.4
19,567,181.8
4,419,891.2
9,409,277.4
5,707,234.2
30,778.9
644,847.5
2,769,581.4
2,369,581.4
400,000.0
0.0
0.0
0.0
181,377.7
2,293,501.0
1,204,799.8
578,348.0
510,353.2
180,440.3
4,127,708.4
3,517,007.3
610,701.1
125,117.3
39,595,948.9
2,394,954.3
41,990,903.2
578,348.0
510,353.2
180,440.3
4,127,708.4
3,517,007.3
610,701.1
125,117.3
29,764,638.3
673,345.7
30,437,984.0
49,764.0
8,799,468.4
8,798,121.5
1,346.9
0.0
Extranjera
10,569,707.5
2,752,610.4
77,859.7
1,111,939.7
0.0
1,561,388.7
1,422.2
969,854.5
864,585.0
63,534.8
3,944.5
37,790.2
18.01
12.18
10.98
‐9.76
‐57.04
86.39
‐70.58
77.85
131.42
‐84.75
‐80.06
‐95.68
6,791,450.7
6,272,286.1
107,918.5
18,540.5
257,058.0
135,647.6
54,636.8
0.0
5.85
10.29
47.14
127.64
38.36
‐67.03
‐14.03
‐1.26
12.76
21.31
N/A
‐30.79
4.79
19.46
‐12.72
N/A
N/A
17.17
0.0
0.0
1,155.1
1,721,608.6
1,012,829.9
708,778.7
0.0
0.0
12,291,316.1
9,831,310.6
8,199,509.0
8,168,985.4
59,798.3
4,128,812.0
3,519,018.8
461,356.3
30,523.5
1,622,976.6
261,827.7
1,361,148.8
0.0
0.0
0.0
8,825.1
18.96
14.35
14.92
16.07
12.47
23.03
‐33.33
‐5.01
56.72
52.95
62.72
N/A
N/A
N/A
239.48
16.49
24.40
9,831,310.6
1,721,608.6
11,552,919.2
16.68
1.13
27.11
10.42
16.57
‐15.33
‐20.30
18.01
4.79
17.17
70,394,366.0
14,560,028.4
92,441,233.6
74,073,231.0
18,368,002.6
84,954,394.3
0.0
0.0
0.0
0.0
0.0
0.0
39,792,891.4
29,355,964.6
10,436,926.8
44,778,206.9
32,053,152.5
12,725,054.4
23,323,311.5
23,323,311.5
24,799,068.7
24,799,068.7
19,930,559.7
19,930,559.7
20,875,753.0
20,875,753.0
1,692,297.2
1,692,297.2
1,274,136.4
1,274,136.4
1,700,454.6
2,649,179.3
2,649,179.3
1,700,454.6
0.0
0.0
0.0
0.0
0.0
0.0
427,013.7
427,013.7
11,738,491.5
11,675,970.1
62,521.4
10,531,317.1
10,445,699.8
85,617.3
11,289,160.4
11,289,160.4
0.0
10,102,679.8
10,102,679.8
0.0
449,331.1
386,809.7
62,521.4
428,637.3
343,020.0
85,617.3
10,099,699.9 6,039,119.7 4,060,580.2 11,905,627.2 6,348,296.3 5,557,330.9
8.81
N/A
12.53
6.33
4.74
‐24.71
55.79
N/A
N/A
‐10.28
‐10.51
‐4.61
17.88
8,843,026.8
1,644,714.2
10,487,740.9
HONDURAS: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
2,299,214.9
481,470.5
10,240.2
377,146.2
90,942.5
3,141.6
0.0
1,121,319.9
849,049.0
138,139.9
920.6
133,210.5
1,503,605.7
254,534.9
7,694.3
161,972.3
84,868.3
603,474.0
572,996.3
0.0
30,477.8
0.0
0.0
1,885.4
0.0
29,660.8
35,967.4
0.0
25,436.8
1,947,123.1
199,274.5
1,747,848.6
0.0
0.0
4,246,338.0
306,546.6
297,231.3
0.0
9,315.2
0.0
0.0
1,490.7
0.0
29,660.8
35,967.4
0.0
25,435.7
199,320.3
45,194.2
154,126.1
0.0
0.0
1,702,926.0
1,794,771.4
1,609,821.3
1,515,921.1
1,325,600.5
43,544.1
139,322.2
7,454.4
93,900.2
0.0
0.0
0.0
0.0
0.0
0.0
97,519.0
53,361.5
29,000.0
1,001,557.6
902,336.4
816,600.4
659,426.4
19,076.0
137,432.7
665.4
85,736.0
0.0
0.0
0.0
0.0
0.0
0.0
11,790.2
53,361.5
29,000.0
24,161.9
199.6
34,069.5
504,443.6
250,000.0
254,443.6
8,189.7
2,299,214.9
1,947,123.1
4,246,338.0
24,161.9
199.6
34,069.5
504,443.6
250,000.0
254,443.6
8,189.7
1,506,001.2
199,320.3
1,705,321.4
0.0
849,969.6
849,049.0
920.6
0.0
2,307,728.5
372,757.8
2,545.9
215,173.9
6,074.2
3,141.6
0.0
1,071,622.2
138,139.9
0.0
133,210.5
769,781.2
275,764.9
0.0
21,162.5
0.0
0.0
394.7
0.0
0.0
0.0
1.1
2,278,627.6
154,080.3
1,593,722.6
0.0
0.0
4,586,356.1
1,772,540.6
1,656,969.1
1,469,281.7
666,174.1
24,468.1
1,889.5
6,789.0
8,164.2
7,326.8
0.0
0.0
0.0
0.0
0.0
85,728.8
Total
Moneda
Nacional
Extranjera
2,307,728.5
372,757.8
8,989.1
318,440.0
42,644.2
2,684.5
0.0
1,071,622.2
940,271.2
130,430.4
920.6
0.0
1,475,637.6
269,682.9
5,623.7
224,317.8
39,741.4
769,781.2
748,618.7
0.0
21,162.5
0.0
0.0
2,187.3
0.0
29,976.5
38,865.5
0.0
22,538.1
2,278,627.6
156,756.9
2,121,870.7
0.0
0.0
4,586,356.1
274,598.0
274,598.0
0.0
0.0
0.0
0.0
838.1
0.0
29,976.5
20,707.3
0.0
22,253.9
150,916.0
42,360.4
108,555.6
0.0
0.0
1,626,553.6
1,772,540.6
1,656,969.1
1,469,281.7
1,354,529.8
63,374.6
43,018.2
8,359.2
187,687.4
7,326.8
7,326.8
0.0
0.0
0.0
0.0
8,442.3
54,790.3
29,000.0
975,998.8
861,006.9
715,032.7
642,928.8
28,420.3
43,018.2
665.4
145,974.2
7,326.8
7,326.8
0.0
0.0
0.0
0.0
7,862.7
54,790.3
29,000.0
25,590.7
199.6
45,012.2
535,187.9
300,000.0
235,187.9
7,788.9
2,307,728.5
2,278,627.6
4,586,356.1
25,590.7
199.6
45,012.2
535,187.9
300,000.0
235,187.9
7,788.9
1,511,186.7
150,916.0
1,662,102.7
0.0
857,581.0
856,660.4
920.6
0.0
832,091.0
103,074.9
3,365.4
94,122.1
2,902.8
2,684.5
0.0
214,041.2
83,610.8
130,430.4
0.0
0.0
0.37
‐22.58
‐12.22
‐15.57
‐53.11
‐14.55
N/A
‐4.43
10.74
‐5.58
0.00
‐100.00
495,183.3
474,020.8
0.0
21,162.5
0.0
0.0
1,349.2
0.0
27.56
30.65
N/A
‐30.56
N/A
N/A
16.01
N/A
1.06
8.06
N/A
‐11.40
17.03
‐21.34
21.40
N/A
N/A
8.01
18,158.2
0.0
284.2
2,127,711.6
114,396.5
2,013,315.1
0.0
0.0
2,959,802.6
796,541.8
795,962.2
754,249.0
711,601.0
34,954.2
0.0
7,693.8
41,713.2
0.0
0.0
0.0
0.0
0.0
0.0
579.6
‐1.24
2.93
‐3.08
2.18
45.54
‐69.12
12.14
99.88
N/A
N/A
N/A
N/A
N/A
N/A
‐91.34
2.68
0.00
796,541.8
2,127,711.6
2,924,253.4
5.91
0.00
32.12
6.09
20.00
‐7.57
‐4.89
0.37
17.03
8.01
2,025,583.8
5,111,564.2
9,094,149.6
2,015,438.0
7,078,711.6
7,137,148.0
0.0
0.0
0.0
0.0
0.0
0.0
4,167,130.7
1,023,184.6
3,143,946.1
4,958,646.0
895,689.9
4,062,956.2
804,633.9
804,633.9
928,725.4
928,725.4
798,290.0
798,290.0
916,188.8
916,188.8
4,988.2
4,988.2
4,000.4
4,000.4
1,355.8
1,355.8
8,536.3
8,536.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
286,257.2
21,064.6
265,192.6
599,934.0
24,456.2
575,477.8
0.0
0.0
0.0
0.0
0.0
0.0
286,257.2
21,064.6
265,192.6
599,934.0
24,456.2
575,477.8
1,879,126.2 176,700.7 1,702,425.5 2,606,844.1 166,566.5 2,440,277.6
27.42
N/A
18.99
15.42
14.77
‐19.80
529.63
N/A
N/A
109.58
N/A
109.58
38.73
2,307,728.5
1,747,802.9
4,586,356.1
BANCOCCI: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
29,704,667.5
2,916,779.3
471,373.5
2,301,693.4
55,490.1
9,489.5
78,732.8
8,713,870.3
6,936,425.8
1,101,713.1
172,532.9
503,198.5
25,244,691.9
2,184,664.4
399,324.0
1,668,130.6
53,401.3
15,958,535.3
14,011,496.2
1,606,251.8
234,984.5
96,707.8
9,095.0
216,318.6
189,839.7
1,169,044.7
43,854.4
16,347.5
480,077.5
929,556.5
493,137.8
434,534.9
0.0
1,883.8
30,634,224.0
13,872,938.3
12,049,012.2
1,519,168.3
213,035.1
82,627.7
9,095.0
194,230.4
189,839.7
1,169,044.7
43,854.4
14,747.3
476,818.6
714,436.8
293,257.7
419,295.3
0.0
1,883.8
25,959,128.7
27,182,395.4
23,777,224.7
23,315,481.4
3,357,682.9
16,052,159.1
3,861,587.5
44,052.1
461,743.3
884,339.8
884,339.8
0.0
0.0
0.0
192,261.1
225,035.6
1,574,003.1
902,166.1
22,882,779.7
19,513,164.5
19,059,263.3
3,214,772.6
12,534,281.9
3,270,383.1
39,825.7
453,901.2
884,339.8
884,339.8
0.0
0.0
0.0
160,388.2
221,352.9
1,574,003.1
902,166.1
375,619.5
296,217.6
529,531.2
2,522,272.1
1,700,000.0
822,272.1
112,786.4
29,704,667.5
929,556.5
30,634,224.0
375,619.5
296,217.6
529,531.2
2,522,272.1
1,700,000.0
822,272.1
112,786.4
25,405,051.8
714,436.8
26,119,488.6
63,808.5
7,098,553.9
6,936,425.8
162,128.1
0.0
Extranjera
30,811,440.7
1,542,792.5
72,049.6
633,562.8
2,088.8
9,489.5
14,924.2
13,390,769.3
1,101,713.1
10,404.8
503,198.5
13,749,855.2
1,962,484.0
87,083.5
21,949.4
14,080.1
0.0
22,088.2
0.0
0.0
1,600.2
3,258.9
669,531.6
199,880.1
15,239.6
0.0
0.0
31,480,972.3
28,432,072.2
24,202,689.4
23,806,632.9
142,910.2
3,517,877.1
591,204.3
4,226.4
7,842.1
1,135,200.2
0.0
0.0
0.0
0.0
31,872.8
3,682.7
Total
Moneda
Nacional
36,288,321.4
2,341,061.8
544,609.7
1,717,547.9
27,575.7
12,776.8
38,551.8
15,238,339.9
13,932,569.4
1,089,631.4
179,438.3
36,700.8
30,811,440.7
1,542,792.5
455,353.2
1,023,278.0
25,774.6
16,538,675.5
13,191,732.6
1,233,122.7
224,473.1
139,693.2
1,749,653.9
236,619.0
223,070.9
1,281,450.4
45,345.5
14,299.0
369,459.5
837,047.0
484,857.8
351,553.5
0.0
635.6
37,125,368.4
13,749,855.2
10,846,574.0
1,086,855.1
203,705.0
138,906.7
1,473,814.4
196,897.4
223,070.9
1,281,450.4
45,345.5
12,698.8
368,560.7
669,531.6
350,086.4
318,809.6
0.0
635.6
31,480,972.3
33,505,835.8
29,183,938.6
28,780,764.5
4,201,043.0
20,304,021.0
4,224,079.6
51,621.0
403,174.0
1,179,139.4
1,176,293.8
2,845.6
0.0
0.0
177,825.2
389,781.3
1,959,808.2
1,187,103.7
28,432,072.2
24,202,689.4
23,806,632.9
4,042,421.9
16,190,868.9
3,527,247.8
46,094.2
396,056.6
1,135,200.2
1,132,354.6
2,845.6
0.0
0.0
146,027.9
373,003.4
1,959,808.2
1,187,103.7
435,484.7
337,219.8
615,343.1
2,782,485.6
1,800,000.0
982,485.6
114,463.5
36,288,321.4
837,047.0
37,125,368.4
435,484.7
337,219.8
615,343.1
2,782,485.6
1,800,000.0
982,485.6
114,463.5
31,214,557.8
669,531.6
31,884,089.5
38,386.7
13,390,769.3
13,221,735.8
169,033.5
0.0
Extranjera
5,476,880.7
798,269.3
89,256.4
694,269.9
1,801.0
12,776.8
165.1
1,847,570.6
710,833.7
1,089,631.4
10,404.8
36,700.8
22.16
‐19.74
15.54
‐25.38
‐50.31
34.64
‐51.03
74.87
100.86
‐1.10
4.00
‐92.71
2,788,820.3
2,345,158.6
146,267.5
20,768.2
786.5
275,839.5
39,721.5
0.0
3.64
‐5.85
‐23.23
‐4.47
44.45
19,137.51
9.38
17.50
9.62
3.40
‐12.53
‐23.04
‐9.95
‐1.68
‐19.10
N/A
‐66.26
21.19
0.0
1,600.2
898.8
167,515.3
134,771.4
32,743.9
0.0
0.0
5,644,396.0
5,073,763.6
4,981,249.2
4,974,131.7
158,621.1
4,113,152.1
696,831.8
5,526.7
7,117.5
43,939.2
43,939.2
0.0
0.0
0.0
31,797.3
16,777.9
23.26
22.74
23.44
25.12
26.49
9.39
17.18
‐12.68
33.34
33.01
N/A
N/A
N/A
‐7.51
73.21
24.51
31.58
5,073,763.6
167,515.3
5,241,278.9
15.94
13.84
16.21
10.32
5.88
19.48
1.49
22.16
‐9.95
21.19
47,617,263.7
981,339.1
53,020,808.6
51,884,057.8
1,136,750.8
48,598,602.7
0.0
0.0
0.0
0.0
0.0
0.0
27,989,812.9
27,989,737.3
75.6
30,817,832.0
30,817,653.1
178.9
16,762,132.6
16,762,132.6
17,370,738.6
17,370,738.6
13,217,983.4
13,217,983.4
13,650,324.1
13,650,324.1
555,553.8
555,553.8
748,391.7
748,391.7
2,988,595.4
2,972,022.8
2,972,022.8
2,988,595.4
0.0
0.0
0.0
0.0
0.0
0.0
458,881.1
458,881.1
793,678.7
777,834.9
15,843.7
1,236,435.7
1,202,644.3
33,791.4
660,818.2
660,818.2
0.0
1,032,301.1
1,032,301.1
0.0
132,860.5
117,016.7
15,843.7
204,134.6
170,343.2
33,791.4
3,052,978.5 2,087,558.8 965,419.7 3,136,921.2 2,034,140.7 1,102,780.5
9.10
N/A
10.10
3.63
3.27
34.71
‐0.55
N/A
N/A
55.79
56.22
53.65
2.75
31,214,557.8
215,119.7
31,884,089.5
BANCOTRAB: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
4,483,843.4
384,283.6
71,680.9
250,924.5
1,615.5
31,131.0
28,931.8
289,779.0
251,102.7
0.0
10,177.9
28,498.4
4,263,879.5
313,180.0
61,971.2
220,661.5
1,615.5
3,242,662.7
2,757,138.2
284,829.8
57,225.4
143,469.3
0.0
76,310.7
166,306.2
248,171.8
24,938.3
0.0
51,391.2
19,385.7
19,385.7
0.0
0.0
0.0
4,503,229.1
3,127,197.7
2,683,874.7
281,335.3
37,385.5
124,602.2
0.0
74,524.0
166,306.2
248,171.8
24,938.3
0.0
51,391.2
17,118.2
17,118.2
0.0
0.0
0.0
4,280,997.7
0.0
73,263.5
3,494.5
19,839.9
18,867.0
0.0
1,786.7
0.0
4,025,765.7
2,590,644.1
2,486,212.6
176,948.7
1,020,936.6
1,285,163.0
3,164.3
104,431.5
912,810.4
838,027.5
74,782.9
0.0
0.0
0.0
65,474.5
434,084.8
272,863.6
3,798,016.4
2,362,971.2
2,260,290.0
175,732.6
909,545.5
1,172,806.9
2,205.0
102,681.2
912,810.4
838,027.5
74,782.9
0.0
0.0
0.0
65,398.2
434,084.8
272,863.6
0.0
0.0
0.0
1,216.1
111,391.2
112,356.1
959.3
1,750.3
0.0
0.0
0.0
0.0
0.0
0.0
76.3
75,427.0
85,794.2
22,751.8
458,077.7
369,500.0
88,577.7
12,022.2
4,483,843.4
19,385.7
4,503,229.1
75,427.0
85,794.2
22,751.8
458,077.7
369,500.0
88,577.7
12,022.2
4,256,094.1
17,118.2
4,273,212.4
28,931.8
258,170.3
251,102.7
7,067.6
0.0
0.0
0.0
9,709.7
30,263.0
0.0
31,131.0
0.0
0.0
0.0
3,110.3
28,498.4
0.0
0.0
0.0
0.0
2,267.4
0.0
0.0
0.0
0.0
Total
Moneda
Nacional
3,377,107.5
187,222.6
70,681.7
72,071.4
2,528.1
30,603.0
11,338.4
700,322.4
626,201.2
62,353.8
9,877.9
1,889.5
3,173,396.3
116,529.7
63,828.8
38,834.4
2,528.1
2,048,411.8
1,671,570.0
169,150.5
21,418.4
111,193.4
75,079.5
33,853.8
66,414.1
285,580.3
19,626.5
0.0
35,676.1
31,606.7
31,606.7
0.0
0.0
0.0
3,408,714.3
2,038,421.5
1,661,579.7
169,150.5
21,418.4
111,193.4
75,079.5
33,655.4
66,414.1
285,580.3
19,626.5
0.0
35,619.4
27,716.7
27,716.7
0.0
0.0
0.0
3,201,113.0
3,065,277.6
1,750,324.3
1,640,121.4
154,246.0
765,334.9
717,726.7
2,813.7
110,202.9
779,393.3
760,275.4
19,117.9
0.0
0.0
0.0
80,649.3
352,089.3
187,296.2
2,871,500.2
1,556,623.2
1,447,878.8
152,884.1
656,681.4
636,491.1
1,822.1
108,744.4
779,393.3
760,275.4
19,117.9
0.0
0.0
0.0
80,572.9
352,089.3
187,296.2
88,997.6
75,795.5
102,821.4
311,830.0
300,100.0
11,730.0
7,311.3
3,377,107.5
31,606.7
3,408,714.3
88,997.6
75,795.5
102,821.4
311,830.0
300,100.0
11,730.0
7,311.3
3,183,330.1
27,716.7
3,211,046.8
11,338.4
577,549.4
570,781.8
6,767.6
0.0
Extranjera
203,711.3
70,693.0
6,852.9
33,237.0
0.0
30,603.0
0.0
122,773.0
55,419.3
62,353.8
3,110.3
1,889.5
‐24.68
‐51.28
‐1.39
‐71.28
56.49
‐1.70
‐60.81
141.67
149.38
N/A
‐2.95
‐93.37
9,990.3
9,990.3
0.0
0.0
0.0
0.0
198.3
0.0
‐36.83
‐39.37
‐40.61
‐62.57
‐22.50
N/A
‐55.64
‐60.07
15.07
‐21.30
N/A
‐30.58
63.04
63.04
N/A
N/A
N/A
‐24.31
0.0
0.0
56.7
3,890.1
3,890.1
0.0
0.0
0.0
207,601.3
193,777.4
193,701.1
192,242.6
1,361.9
108,653.5
81,235.6
991.6
1,458.5
0.0
0.0
0.0
0.0
0.0
0.0
76.3
‐23.86
‐32.44
‐34.03
‐12.83
‐25.04
‐44.15
‐11.08
5.53
‐14.62
‐9.28
‐74.44
N/A
N/A
N/A
23.18
‐18.89
‐31.36
193,777.4
3,890.1
197,667.5
17.99
‐11.65
351.93
‐31.93
‐18.78
‐86.76
‐39.18
‐24.68
63.04
‐24.31
9,680,584.2
144,171.7
8,885,536.2
8,792,128.8
93,407.4
9,824,755.8
0.0
0.0
0.0
0.0
0.0
0.0
3,711,328.5
3,634,898.7
76,429.8
3,960,188.9
3,883,759.0
76,429.8
3,338,359.0
3,338,359.0
2,113,872.3
2,113,872.3
1,294,019.9
1,294,019.9
560,133.3
560,133.3
1,335,908.1
1,335,908.1
891,335.0
891,335.0
708,431.0
662,404.0
662,404.0
708,431.0
0.0
0.0
0.0
0.0
0.0
0.0
533.2
533.2
29,754.3
21,811.1
7,943.2
25,174.1
17,230.8
7,943.2
0.0
0.0
0.0
0.0
0.0
0.0
29,754.3
21,811.1
7,943.2
25,174.1
17,230.8
7,943.2
2,745,314.1 2,685,515.4 59,798.6 2,785,767.8 2,776,733.4 9,034.3
‐9.56
N/A
6.71
‐36.68
‐56.71
‐33.28
‐6.50
N/A
N/A
‐15.39
N/A
‐15.39
1.47
0.0
2,267.4
0.0
BANCON: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
6,628,850.5
824,744.9
57,076.2
397,393.8
12,124.1
345,822.3
12,328.4
1,510,426.8
534,475.7
24,800.0
589,758.9
361,392.3
5,071,341.2
308,475.4
44,173.6
239,849.3
12,124.1
3,806,581.6
3,705,024.8
88,337.3
12,244.8
616.6
358.3
43,609.3
96,346.1
257,114.6
33,185.4
0.0
56,841.7
585,765.3
491,910.7
93,854.6
0.0
0.0
7,214,615.8
3,172,984.5
3,078,293.3
84,615.7
9,100.7
616.6
358.3
39,528.5
96,346.1
257,114.6
33,185.4
0.0
54,385.3
140,763.7
52,595.9
88,167.8
0.0
0.0
5,212,104.9
5,585,925.1
3,736,574.1
3,611,054.5
965,428.6
810,685.0
1,715,901.7
119,039.3
125,519.5
1,554,566.6
1,542,907.2
11,659.4
0.0
0.0
0.0
21,188.3
260,755.2
104,874.6
4,220,384.4
2,450,341.8
2,349,824.7
581,615.5
588,360.7
1,160,291.1
19,557.4
100,517.1
1,482,671.2
1,473,645.4
9,025.8
0.0
0.0
0.0
13,775.3
260,755.2
104,874.6
97,515.4
58,365.2
12,840.8
1,042,925.4
508,400.1
534,525.3
29,392.8
6,628,850.5
585,765.3
7,214,615.8
97,515.4
58,365.2
12,840.8
1,042,925.4
508,400.1
534,525.3
29,392.8
5,263,309.8
140,763.7
5,404,073.6
12,328.4
1,109,321.4
534,475.7
574,845.8
0.0
Extranjera
0.0
0.0
12,902.6
157,544.6
0.0
345,822.3
0.0
0.0
24,800.0
14,913.1
361,392.3
0.0
626,731.4
3,721.6
3,144.1
0.0
0.0
4,080.8
0.0
0.0
0.0
2,456.5
0.0
439,314.8
5,686.8
0.0
0.0
0.0
0.0
0.0
0.0
383,813.1
222,324.3
555,610.5
99,481.9
25,002.4
0.0
69,261.8
2,633.6
0.0
0.0
0.0
7,413.0
Total
Moneda
Nacional
7,341,200.1
441,119.2
69,889.6
217,121.8
10,599.8
124,744.6
18,763.4
1,758,049.5
745,156.7
32,200.0
672,097.7
308,595.2
5,701,884.5
158,259.0
55,751.9
73,144.0
10,599.8
4,608,756.0
4,497,192.2
104,983.9
5,801.6
638.4
139.9
52,927.7
91,283.9
282,878.2
35,792.9
0.0
70,392.8
462,472.5
347,384.9
115,087.6
0.0
0.0
7,803,672.6
3,738,815.6
3,639,518.9
93,357.9
5,160.5
638.4
139.9
45,920.8
91,283.9
282,878.2
35,792.9
0.0
66,997.2
172,069.6
65,401.7
106,668.0
0.0
0.0
5,873,954.2
6,204,454.9
4,058,087.8
3,867,615.2
1,307,820.8
997,779.2
1,436,976.1
125,039.0
190,472.6
1,776,107.3
1,756,298.0
19,809.3
0.0
0.0
0.0
32,197.0
314,605.6
146,159.6
4,822,723.1
2,754,387.8
2,565,534.7
730,791.5
767,397.7
1,044,370.0
22,975.5
188,853.1
1,705,689.8
1,696,664.0
9,025.8
0.0
0.0
0.0
24,582.6
314,605.6
146,159.6
110,559.0
57,887.0
23,457.3
1,136,745.2
511,237.3
625,507.8
32,813.9
7,341,200.1
462,472.5
7,803,672.6
110,559.0
57,887.0
23,457.3
1,136,745.2
511,237.3
625,507.8
32,813.9
5,959,468.3
172,069.6
6,131,537.9
18,763.4
1,281,937.1
624,744.8
657,192.3
0.0
Extranjera
1,639,315.5
282,860.2
14,137.7
143,977.8
0.0
124,744.6
0.0
476,112.4
120,411.9
32,200.0
14,905.3
308,595.2
10.75
‐46.51
22.45
‐45.36
‐12.57
‐63.93
52.20
16.39
39.42
29.84
13.96
‐14.61
869,940.4
857,673.3
11,626.1
641.0
0.0
0.0
7,006.9
0.0
21.07
21.38
18.84
‐52.62
3.54
‐60.95
21.37
‐5.25
10.02
7.86
N/A
23.84
‐21.05
‐29.38
22.62
N/A
N/A
8.16
0.0
0.0
3,395.7
290,402.9
281,983.3
8,419.6
0.0
0.0
1,929,718.4
1,381,731.8
1,303,700.0
1,302,080.5
577,029.3
230,381.5
392,606.1
102,063.5
1,619.5
70,417.5
59,634.0
10,783.5
0.0
0.0
0.0
7,614.3
11.07
8.60
7.10
35.47
23.08
‐16.26
5.04
51.75
14.25
13.83
69.90
N/A
N/A
N/A
51.96
20.65
39.37
1,381,731.8
290,402.9
1,672,134.7
13.38
‐0.82
82.68
9.00
0.56
17.02
11.64
10.75
‐21.05
8.16
11,575,408.4
1,805,526.9
17,519,733.0
14,353,490.6
3,166,242.4
13,380,935.3
0.0
0.0
0.0
0.0
0.0
0.0
6,515,279.4
5,777,195.3
738,084.1
9,852,889.3
8,030,435.7
1,822,453.6
4,344,491.4
4,344,491.4
5,012,328.0
5,012,328.0
3,519,823.8
3,519,823.8
3,984,950.7
3,984,950.7
152,738.6
152,738.6
125,356.8
125,356.8
671,928.9
671,928.9
902,020.5
902,020.5
0.0
0.0
0.0
0.0
0.0
0.0
198,636.4
198,636.4
1,194,777.8
581,922.6
612,855.3
997,167.8
377,822.5
619,345.4
130,015.2
130,015.2
0.0
185,396.9
185,396.9
0.0
1,064,762.6
451,907.3
612,855.3
811,770.9
192,425.6
619,345.4
1,326,386.8 871,799.2 454,587.6 1,458,711.4 734,268.0 724,443.5
30.93
N/A
51.23
15.37
13.21
‐17.93
34.24
N/A
N/A
‐16.54
42.60
‐23.76
9.98
0.0
445,001.6
0.0
FICENSA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
6,558,651.5
1,038,461.1
64,703.6
797,842.3
1,877.4
172,203.1
1,834.7
516,456.9
264,728.5
18,895.1
75,240.6
157,592.7
4,767,506.0
690,917.4
57,757.7
629,885.7
1,439.3
4,822,037.8
4,740,890.1
70,977.9
6,687.3
3,482.5
0.0
22,913.1
17,201.5
108,876.9
12,124.6
0.0
20,579.5
2,145,078.0
145,797.1
1,999,280.9
0.0
0.0
8,703,729.5
3,533,216.0
3,495,723.2
30,180.7
3,902.0
3,410.1
0.0
17,037.8
17,201.5
108,876.9
12,124.6
0.0
20,305.5
985,995.5
59,337.5
926,658.0
0.0
0.0
5,753,501.5
5,837,168.4
3,482,731.3
3,401,367.7
463,156.1
1,074,284.2
1,852,914.9
11,012.5
81,363.6
2,091,238.5
1,561,338.0
529,900.6
0.0
0.0
0.0
4,194.5
208,904.0
131,852.2
4,163,310.1
2,327,719.6
2,251,754.5
391,878.2
539,231.5
1,314,539.7
6,105.2
75,965.1
1,575,462.5
1,385,462.5
190,000.0
0.0
0.0
0.0
1,124.0
208,904.0
131,852.2
66,162.1
10,889.6
50,100.0
721,483.1
516,190.5
205,292.6
28,226.0
6,558,651.5
2,145,078.0
8,703,729.5
66,162.1
10,889.6
50,100.0
721,483.1
516,190.5
205,292.6
28,226.0
4,884,793.2
985,995.5
5,870,788.6
1,834.7
367,826.2
264,728.5
75,219.9
27,877.8
Extranjera
0.0
0.0
6,945.8
167,956.6
438.1
172,203.1
0.0
0.0
18,895.1
20.7
129,714.9
0.0
1,245,166.9
40,797.1
2,785.3
72.4
0.0
5,875.4
0.0
0.0
0.0
274.0
0.0
86,459.6
1,072,622.9
0.0
0.0
0.0
0.0
0.0
0.0
71,277.9
535,052.7
538,375.3
4,907.3
5,398.6
0.0
175,875.4
339,900.6
0.0
0.0
0.0
3,070.5
0.0
1,159,082.5
0.0
Total
Moneda
Nacional
6,410,527.6
818,285.3
40,558.2
513,419.9
2,903.2
258,999.7
2,404.4
940,068.5
796,707.3
28,342.7
82,702.1
32,316.4
4,212,517.1
367,577.9
34,987.0
328,655.8
1,530.7
4,485,106.0
4,148,932.6
26,333.9
19,230.0
4,353.2
286,256.3
22,065.3
18,673.1
106,994.2
9,533.7
0.0
9,801.5
2,558,092.4
180,009.3
2,378,083.0
0.0
0.0
8,968,620.0
2,916,336.7
2,672,085.8
24,430.9
16,530.6
4,163.4
199,126.1
14,954.3
18,673.1
106,994.2
9,533.7
0.0
9,683.6
1,205,876.5
57,437.1
1,148,439.4
0.0
0.0
5,418,393.6
5,647,427.6
3,528,047.6
3,481,139.6
600,488.1
1,131,944.7
1,726,436.7
22,270.1
46,908.0
1,812,498.4
1,158,981.6
653,516.8
0.0
0.0
0.0
7,060.8
242,625.8
166,385.9
3,581,614.7
2,176,957.1
2,134,575.3
496,209.3
600,295.5
1,020,659.5
17,411.0
42,381.9
1,101,629.4
911,629.4
190,000.0
0.0
0.0
0.0
3,207.4
242,625.8
166,385.9
65,345.5
10,894.4
57,195.0
763,100.0
516,190.5
246,909.5
18,116.0
6,410,527.6
2,558,092.4
8,968,620.0
65,345.5
10,894.4
57,195.0
763,100.0
516,190.5
246,909.5
18,116.0
4,344,714.7
1,205,876.5
5,550,591.3
2,404.4
768,763.6
653,765.9
82,681.3
32,316.4
Extranjera
2,198,010.5
450,707.3
5,571.1
184,764.0
1,372.5
258,999.7
0.0
171,304.8
142,941.4
28,342.7
20.7
0.0
‐2.26
‐21.20
‐37.32
‐35.65
54.64
50.40
31.05
82.02
200.95
50.00
9.92
‐79.49
1,568,769.3
1,476,846.8
1,903.0
2,699.5
189.8
87,130.2
7,111.1
0.0
‐6.99
‐12.49
‐62.90
187.56
25.00
N/A
‐3.70
8.55
‐1.73
‐21.37
N/A
‐52.37
19.25
23.47
18.95
N/A
N/A
3.04
0.0
0.0
118.0
1,352,215.9
122,572.2
1,229,643.7
0.0
0.0
3,550,226.4
2,065,812.9
1,351,090.4
1,346,564.3
104,278.9
531,649.2
705,777.1
4,859.1
4,526.1
710,869.0
247,352.2
463,516.8
0.0
0.0
0.0
3,853.4
2,065,812.9
1,352,215.9
3,418,028.7
20,670,018.1
18,599,007.5
2,071,010.6
23,374,195.7
20,948,084.2
2,426,111.5
0.0
0.0
0.0
0.0
0.0
0.0
10,030,580.6
10,030,580.6
0.0
11,597,042.6
11,597,042.6
0.0
4,990,748.0
4,990,748.0
4,687,180.7
4,687,180.7
4,153,803.8
4,153,803.8
3,856,433.7
3,856,433.7
79,798.8
79,798.8
91,386.3
91,386.3
739,360.6
757,145.5
757,145.5
739,360.6
0.0
0.0
0.0
0.0
0.0
0.0
52,444.7
52,444.7
2,179,823.0
2,177,744.8
2,078.2
3,025,803.0
2,974,196.2
51,606.8
2,174,665.6
2,174,665.6
0.0
2,968,964.1
2,968,964.1
0.0
5,157.4
3,079.3
2,078.2
56,839.0
5,232.2
51,606.8
3,468,866.5 1,399,934.1 2,068,932.4 4,011,724.8 1,637,220.1 2,374,504.7
‐3.25
1.30
2.35
29.65
5.37
‐6.83
102.23
‐42.35
‐13.33
‐25.77
23.33
N/A
N/A
N/A
68.33
16.14
26.19
‐1.23
0.04
14.16
5.77
0.00
20.27
‐35.82
‐2.26
19.25
3.04
13.08
N/A
15.62
‐6.08
‐7.16
14.52
‐2.35
N/A
N/A
38.81
36.53
1,002.08
15.65
BANHCAFE: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
3,269,372.4
339,520.1
75,027.0
182,454.6
4,420.0
73,180.2
4,438.3
834,226.5
792,275.5
0.0
13,268.2
28,682.8
2,897,850.1
199,358.4
65,629.9
125,180.5
4,170.7
1,776,786.8
1,743,731.0
2,361.5
2,674.7
28,019.6
0.0
24,927.3
48,326.4
208,079.4
16,411.0
0.0
21,094.9
343,801.0
26,665.8
317,135.2
0.0
0.0
3,613,173.4
1,575,333.8
1,542,278.0
2,361.5
2,674.7
28,019.6
0.0
24,927.3
48,326.4
208,079.4
16,296.8
0.0
20,224.2
320,990.1
23,755.5
297,234.6
0.0
0.0
3,218,840.2
0.0
201,452.9
0.0
0.0
0.0
0.0
0.0
0.0
2,824,224.7
2,156,906.9
2,070,512.6
416,954.2
1,449,207.8
196,087.6
8,262.9
86,394.3
469,077.2
469,077.2
0.0
0.0
0.0
0.0
8,477.6
166,056.1
32,755.0
2,531,103.7
1,863,828.1
1,778,328.6
400,104.9
1,205,472.8
166,112.4
6,638.4
85,499.5
469,077.2
469,077.2
0.0
0.0
0.0
0.0
8,435.4
166,056.1
32,755.0
0.0
0.0
0.0
16,849.3
243,735.0
29,975.2
1,624.5
894.8
0.0
0.0
0.0
0.0
0.0
0.0
42.1
84,293.1
49,007.9
23,707.0
445,147.7
300,000.0
145,147.7
12,372.6
3,269,372.4
343,801.0
3,613,173.4
84,293.1
49,007.9
23,707.0
445,147.7
300,000.0
145,147.7
12,372.6
2,976,251.5
320,990.1
3,297,241.6
4,377.3
805,303.8
792,275.5
13,028.3
0.0
0.0
0.0
9,397.1
57,274.1
249.3
73,180.2
61.0
0.0
0.0
240.0
28,682.8
114.3
0.0
870.7
0.0
2,910.3
19,900.6
0.0
0.0
0.0
Total
Moneda
Nacional
3,781,666.2
262,285.9
75,608.4
90,430.9
2,833.9
92,185.2
1,227.6
1,458,224.1
1,445,596.9
0.0
12,627.2
0.0
3,423,750.7
132,594.5
66,659.8
62,167.1
2,664.2
1,741,757.2
1,685,705.5
3,550.6
1,359.9
40,364.6
10,776.7
26,126.1
36,877.2
215,649.7
21,147.8
0.0
19,598.0
821,138.7
58,764.9
762,373.7
0.0
0.0
4,602,804.8
1,543,655.8
1,487,604.0
3,550.6
1,359.9
40,364.6
10,776.7
24,453.6
36,877.2
215,649.7
21,033.5
0.0
19,538.8
756,260.4
43,409.9
712,850.4
0.0
0.0
4,180,011.1
3,293,599.6
2,574,976.6
2,490,667.3
479,694.9
1,786,210.3
213,489.0
11,273.1
84,309.3
506,430.6
506,430.6
0.0
0.0
0.0
0.0
14,139.6
168,076.7
40,675.1
3,014,520.2
2,295,937.2
2,212,570.0
472,529.0
1,548,834.8
181,950.6
9,255.5
83,367.2
506,430.6
506,430.6
0.0
0.0
0.0
0.0
14,099.7
168,076.7
40,675.1
87,711.3
39,690.3
29,976.0
488,066.6
375,000.0
113,066.6
13,479.5
3,781,666.2
821,138.7
4,602,804.8
87,711.3
39,690.3
29,976.0
488,066.6
375,000.0
113,066.6
13,479.5
3,502,586.8
756,260.4
4,258,847.2
1,103.4
1,429,947.6
1,417,560.3
12,387.3
0.0
Extranjera
357,915.4
129,691.4
8,948.7
28,263.8
169.7
92,185.2
124.2
28,276.5
28,036.5
0.0
240.0
0.0
15.67
‐22.75
0.77
‐50.44
‐35.89
25.97
‐72.34
74.80
82.46
N/A
‐4.83
‐100.00
198,101.5
198,101.5
0.0
0.0
0.0
0.0
1,672.5
0.0
‐1.97
‐3.33
50.35
‐49.16
44.06
N/A
4.81
‐23.69
3.64
28.86
N/A
‐7.10
138.84
120.38
140.39
N/A
N/A
27.39
114.3
0.0
59.2
64,878.3
15,355.0
49,523.3
0.0
0.0
422,793.7
279,079.3
279,039.4
278,097.3
7,165.9
237,375.5
31,538.4
2,017.6
942.1
0.0
0.0
0.0
0.0
0.0
0.0
39.9
16.62
19.38
20.29
15.05
23.25
8.87
36.43
‐2.41
7.96
7.96
N/A
N/A
N/A
N/A
66.79
1.22
24.18
279,079.3
64,878.3
343,957.6
4.06
‐19.01
26.44
9.64
25.00
‐22.10
8.95
15.67
138.84
27.39
8,979,582.2
182,482.7
12,082,409.6
11,904,607.9
177,801.7
9,162,064.9
0.0
0.0
0.0
0.0
0.0
0.0
5,400,469.9
5,361,854.3
38,615.5
6,615,918.0
6,590,327.6
25,590.4
1,828,379.9
1,828,379.9
1,826,648.3
1,826,648.3
1,365,272.2
1,365,272.2
1,282,002.0
1,282,002.0
111,038.6
111,038.6
113,706.8
113,706.8
263,127.8
265,985.2
265,985.2
263,127.8
88,941.2
88,941.2
164,954.4
164,954.4
0.0
0.0
27,809.1
27,809.1
754,642.1
751,372.2
3,269.9
2,038,348.2
2,035,808.1
2,540.1
656,744.3
656,744.3
0.0
1,951,416.3
1,951,416.3
0.0
97,897.8
94,627.9
3,269.9
86,932.0
84,391.8
2,540.1
1,178,573.1 1,037,975.8 140,597.2 1,573,686.0 1,424,014.7 149,671.2
31.87
N/A
22.51
‐0.09
‐6.10
2.40
1.09
85.46
N/A
170.11
197.13
‐11.20
33.52
0.0
22,810.9
0.0
BANPAIS: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
18,534,315.9
1,782,808.7
309,900.8
858,615.2
28,565.1
547,423.3
38,304.3
2,135,450.5
1,444,174.8
47,237.8
191,689.2
452,348.7
13,022,180.2
662,042.2
271,162.0
330,896.4
26,732.6
13,546,508.5
13,245,723.4
234,728.6
16,089.0
47,302.4
2,665.2
118,974.5
110,624.7
698,986.8
52,482.2
0.0
88,480.0
925,882.3
556,755.5
369,126.8
0.0
0.0
19,460,198.3
9,699,613.5
9,411,105.8
228,490.1
12,981.6
44,370.9
2,665.2
95,571.5
110,624.7
698,986.8
51,964.6
0.0
81,034.1
621,665.9
252,539.2
369,126.8
0.0
0.0
13,643,846.1
0.0
3,834,617.6
6,238.5
3,107.4
2,931.6
0.0
23,403.1
0.0
16,653,668.0
13,171,688.7
12,748,260.4
2,347,615.5
4,223,908.4
6,126,862.5
49,874.0
423,428.3
2,520,334.0
2,474,125.0
46,209.0
0.0
0.0
0.0
169,119.0
707,510.6
374,345.2
11,839,662.6
8,642,662.9
8,237,950.7
1,677,548.6
2,845,272.9
3,681,330.3
33,798.9
404,712.1
2,251,394.7
2,249,651.2
1,743.5
0.0
0.0
0.0
153,078.7
707,510.6
374,345.2
0.0
0.0
0.0
670,066.9
1,378,635.5
2,445,532.2
16,075.1
18,716.1
0.0
224,473.8
44,465.5
0.0
0.0
0.0
16,040.3
259,250.8
73,914.5
85,015.7
1,880,648.0
1,003,194.5
877,453.5
87,171.6
18,534,315.9
925,882.3
19,460,198.3
259,250.8
73,914.5
85,015.7
1,880,648.0
1,003,194.5
877,453.5
87,171.6
13,720,310.5
621,665.9
14,341,976.5
33,251.2
1,622,342.9
1,444,174.8
178,168.1
0.0
0.0
0.0
38,738.8
527,718.7
1,832.5
547,423.3
5,053.2
0.0
47,237.8
13,521.1
452,348.7
517.6
0.0
7,446.0
0.0
304,216.4
0.0
0.0
0.0
0.0
Total
Moneda
Nacional
20,801,821.8
1,728,506.8
306,781.7
1,106,666.0
7,282.9
278,954.4
28,821.8
2,673,142.4
2,355,399.0
103,715.2
195,508.1
18,520.0
14,395,471.3
809,543.8
281,407.8
495,403.1
5,421.7
15,091,425.1
14,868,355.3
179,144.6
3,582.6
38,934.6
1,408.1
117,716.1
107,797.4
914,325.5
48,447.2
0.0
120,461.4
919,398.1
482,790.4
436,607.7
0.0
0.0
21,721,220.0
10,245,701.5
10,036,043.0
169,694.1
2,770.9
35,785.4
1,408.1
90,909.7
107,797.4
914,325.5
47,375.6
0.0
113,174.0
668,452.9
231,845.2
436,607.7
0.0
0.0
15,063,924.2
18,756,628.3
14,631,823.3
14,370,675.6
2,656,606.2
5,205,355.9
6,448,629.5
60,084.0
261,147.7
2,904,473.2
2,483,115.9
421,357.4
0.0
0.0
0.0
205,408.7
827,933.2
431,458.2
13,196,482.5
9,744,291.7
9,499,227.7
1,992,238.4
3,313,049.8
4,148,026.1
45,913.5
245,064.0
2,260,221.5
2,258,642.1
1,579.4
0.0
0.0
0.0
177,046.3
827,933.2
431,458.2
312,489.6
83,985.3
186,989.8
2,045,193.6
1,403,194.5
641,999.1
93,238.7
20,801,821.8
919,398.1
21,721,220.0
312,489.6
83,985.3
186,989.8
2,045,193.6
1,403,194.5
641,999.1
93,238.7
15,241,676.1
668,452.9
15,910,129.0
27,311.3
2,066,643.7
1,864,315.4
183,808.3
18,520.0
Extranjera
6,406,350.5
918,963.0
25,373.9
611,263.0
1,861.3
278,954.4
1,510.4
606,498.7
491,083.6
103,715.2
11,699.8
0.0
12.23
‐3.05
‐1.01
28.89
‐74.50
‐49.04
‐24.76
25.18
63.10
119.56
1.99
‐95.91
4,845,723.6
4,832,312.3
9,450.4
811.7
3,149.2
0.0
26,806.3
0.0
11.40
12.25
‐23.68
‐77.73
‐17.69
‐47.17
‐1.06
‐2.56
30.81
‐7.69
N/A
36.15
‐0.70
‐13.29
18.28
N/A
N/A
11.62
1,071.5
0.0
7,287.4
250,945.2
250,945.2
0.0
0.0
0.0
6,657,295.8
5,560,145.7
4,887,531.6
4,871,447.9
664,367.8
1,892,306.2
2,300,603.4
14,170.5
16,083.7
644,251.8
224,473.8
419,778.0
0.0
0.0
0.0
28,362.4
12.63
11.09
12.73
13.16
23.24
5.25
20.47
‐38.33
15.24
0.36
811.85
N/A
N/A
N/A
21.46
17.02
15.26
5,560,145.7
250,945.2
5,811,091.0
20.54
13.62
119.95
8.75
39.87
‐26.83
6.96
12.23
‐0.70
11.62
43,565,161.1
3,073,341.7
52,432,031.2
47,778,743.4
4,653,287.7
46,638,502.9
0.0
0.0
0.0
0.0
0.0
0.0
23,074,918.4
22,754,868.0
320,050.4
25,731,512.9
25,315,981.8
415,531.2
14,222,233.3
14,222,233.3
15,200,514.5
15,200,514.5
10,040,992.3
10,040,992.3
10,752,722.7
10,752,722.7
677,423.6
677,423.6
757,182.0
757,182.0
3,501,365.2
3,688,831.1
3,688,831.1
3,501,365.2
2,452.3
2,452.3
1,778.7
1,778.7
0.0
0.0
165,378.0
165,378.0
5,759,939.7
5,375,877.1
384,062.6
6,529,910.8
5,799,184.5
730,726.3
790,006.4
790,006.4
0.0
842,952.0
842,952.0
0.0
4,969,933.2
4,585,870.7
384,062.6
5,686,958.7
4,956,232.5
730,726.3
3,581,411.5 1,212,182.7 2,369,228.8 4,804,715.0 1,297,684.7 3,507,030.3
12.42
N/A
11.51
6.88
7.09
11.77
5.35
‐27.47
N/A
13.37
6.70
14.43
34.16
0.0
304,216.4
0.0
FICOHSA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
29,103,440.0
3,313,230.0
1,327,688.7
1,335,770.7
12,738.9
462,569.7
174,462.0
5,686,430.9
2,756,887.5
785,782.9
273,092.7
1,870,667.9
19,045,453.0
1,603,216.8
1,179,827.3
248,266.9
12,738.9
18,311,034.7
17,688,532.7
520,749.3
49,954.4
0.0
51,798.3
162,566.0
127,128.7
722,023.8
360,906.8
0.0
420,119.0
3,767,518.3
1,261,591.6
2,505,926.7
0.0
0.0
32,870,958.2
12,707,506.8
12,115,858.2
492,214.1
49,282.4
0.0
50,152.1
120,703.0
127,128.7
722,023.8
339,728.3
0.0
395,165.4
2,749,475.3
243,548.6
2,505,926.7
0.0
0.0
21,794,928.3
26,321,517.4
18,599,817.8
18,038,223.8
3,768,820.9
6,903,455.3
7,304,057.4
61,890.1
561,593.9
6,297,616.9
3,406,241.9
2,667,310.6
0.0
224,064.4
0.0
89,623.9
1,235,124.9
691,736.7
16,072,159.3
10,816,987.3
10,305,774.6
2,471,072.4
3,691,332.2
4,089,324.9
54,045.1
511,212.7
3,846,286.8
2,982,246.1
864,040.8
0.0
0.0
0.0
74,426.3
1,235,124.9
691,736.7
304,153.0
239,235.2
99,333.9
2,781,922.6
1,566,853.0
1,215,069.6
106,852.1
29,103,440.0
3,767,518.3
32,870,958.2
304,153.0
239,235.2
99,333.9
2,781,922.6
1,566,853.0
1,215,069.6
106,852.1
18,854,081.9
2,749,475.3
21,603,557.2
162,383.7
3,029,980.2
2,756,887.5
273,092.7
0.0
Extranjera
0.0
0.0
147,861.4
1,087,503.8
0.0
462,569.7
12,078.3
0.0
785,782.9
0.0
1,870,667.9
0.0
5,572,674.5
28,535.2
672.0
0.0
1,646.2
41,863.0
0.0
21,178.5
0.0
24,953.6
0.0
1,018,042.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,297,748.5
3,212,123.1
3,214,732.5
7,845.0
50,381.2
0.0
423,995.8
1,803,269.8
0.0
224,064.4
0.0
15,197.6
Total
Moneda
Nacional
31,868,788.0
3,148,831.5
1,314,746.2
1,082,753.8
1,674.6
567,430.5
182,226.3
6,054,422.9
4,241,362.7
812,462.9
179,532.1
821,065.3
20,052,904.0
1,585,218.2
1,127,502.8
282,629.9
1,674.6
20,797,571.7
20,157,902.6
493,970.4
29,136.8
0.0
116,561.8
152,792.0
122,755.5
697,322.8
457,299.6
0.0
437,792.0
4,140,837.6
1,400,378.5
2,740,459.1
0.0
0.0
36,009,625.6
13,099,938.3
12,537,557.3
463,059.5
28,873.9
0.0
70,447.6
98,437.9
122,755.5
697,322.8
442,319.6
0.0
410,032.7
3,208,565.1
468,106.0
2,740,459.1
0.0
0.0
23,261,469.1
28,692,619.6
19,985,582.0
19,386,298.0
4,411,949.7
7,885,227.1
7,008,488.8
80,632.4
599,284.0
7,164,728.8
3,468,980.1
3,618,751.2
0.0
76,997.6
0.0
148,759.1
1,239,543.5
722,807.0
17,289,595.5
11,949,695.6
11,391,413.9
2,927,037.7
4,202,207.5
4,197,653.0
64,515.7
558,281.7
3,809,500.1
2,833,893.7
975,606.4
0.0
0.0
0.0
136,850.1
1,239,543.5
722,807.0
283,104.1
233,632.3
154,006.3
3,176,168.4
2,362,513.9
813,654.5
120,815.3
31,868,788.0
4,140,837.6
36,009,625.6
283,104.1
233,632.3
154,006.3
3,176,168.4
2,362,513.9
813,654.5
120,815.3
20,465,764.0
3,208,565.1
23,674,329.0
173,410.8
3,596,878.9
3,417,346.8
179,532.1
0.0
Extranjera
11,815,884.1
1,563,613.3
187,243.4
800,123.9
0.0
567,430.5
8,815.5
2,457,544.0
824,015.9
812,462.9
0.0
821,065.3
9.50
‐4.96
‐0.97
‐18.94
‐86.85
22.67
4.45
6.47
53.85
3.40
‐34.26
‐56.11
7,697,633.4
7,620,345.3
30,911.0
262.9
0.0
46,114.2
54,354.1
0.0
13.58
13.96
‐5.14
‐41.67
N/A
125.03
‐6.01
‐3.44
‐3.42
26.71
N/A
4.21
9.91
11.00
9.36
N/A
N/A
9.55
14,980.1
0.0
27,759.3
932,272.5
932,272.5
0.0
0.0
0.0
12,748,156.6
11,403,024.1
8,035,886.4
7,994,884.1
1,484,912.0
3,683,019.7
2,810,835.8
16,116.6
41,002.3
3,355,228.7
635,086.3
2,643,144.8
0.0
76,997.6
0.0
11,909.0
9.01
7.45
7.47
17.06
14.22
‐4.05
30.28
6.71
13.77
1.84
35.67
N/A
‐65.64
N/A
65.98
0.36
4.49
11,403,024.1
932,272.5
12,335,296.6
‐6.92
‐2.34
55.04
14.17
50.78
‐33.04
13.07
9.50
9.91
9.55
45,667,484.5
11,556,359.5
67,196,112.5
52,466,315.7
14,729,796.8
57,223,844.0
378,102.3
6,550.4
371,551.9
370,125.1
5,183.4
364,941.7
14,285,332.9
8,287,070.9
5,998,262.0
16,937,754.7
10,168,745.9
6,769,008.7
19,732,261.1
19,732,261.1
22,492,030.4
22,492,030.4
14,306,360.2
14,306,360.2
15,456,892.6
15,456,892.6
2,520,617.4
2,520,617.4
2,921,566.3
2,921,566.3
2,905,283.4
4,041,210.3
4,041,210.3
2,905,283.4
0.0
0.0
72,361.1
72,361.1
0.0
0.0
320,237.0
320,237.0
17,187,550.6
16,703,737.2
483,813.4
18,285,632.1
17,564,729.1
720,903.1
16,686,430.8
16,686,430.8
0.0
17,550,180.4
17,550,180.4
0.0
501,119.8
17,306.4
483,813.4
735,451.7
14,548.7
720,903.1
5,640,597.1 937,865.0 4,702,732.2 8,790,333.2 1,915,389.9 6,874,943.3
17.43
‐2.11
18.57
13.99
8.04
15.91
39.10
N/A
N/A
6.39
5.18
46.76
55.84
0.0
1,018,042.9
0.0
LAFISE: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
5,745,952.2
757,349.6
74,292.9
398,283.5
10,140.9
264,863.4
9,768.8
618,444.1
456,670.5
0.0
161,773.6
0.0
4,031,405.2
285,754.9
54,020.6
211,824.9
10,140.6
3,971,804.3
3,883,246.7
31,112.5
3,530.7
53,914.4
0.0
42,061.2
43,191.3
136,248.3
30,350.0
5,820.8
140,682.7
535,053.3
115,394.4
419,658.9
0.0
0.0
6,281,005.5
2,890,204.7
2,822,156.3
24,290.6
876.5
42,881.4
0.0
29,708.8
43,191.3
136,248.3
29,950.9
0.0
138,765.2
447,703.3
44,903.0
402,800.3
0.0
0.0
4,479,108.4
0.0
1,061,090.4
6,822.0
2,654.2
11,033.0
0.0
12,352.4
0.0
5,219,086.4
3,709,253.0
3,611,011.5
513,989.8
1,212,682.7
1,877,585.3
6,753.8
98,241.4
1,276,070.1
1,061,632.0
214,250.1
187.9
0.0
0.0
5,237.4
201,374.5
87,218.2
3,574,553.4
2,278,142.0
2,189,844.2
306,197.1
683,749.5
1,194,307.9
5,589.8
88,297.8
1,062,648.0
1,002,009.3
60,638.6
0.0
0.0
0.0
5,237.4
201,374.5
87,218.2
0.0
0.0
0.0
207,792.7
528,933.2
683,277.4
1,164.0
9,943.6
0.0
59,622.7
153,611.5
187.9
0.0
0.0
0.0
84,661.2
29,495.2
27,151.5
526,865.8
400,000.0
126,865.8
16,878.5
5,745,952.2
535,053.3
6,281,005.5
84,661.2
29,495.2
27,151.5
526,865.8
400,000.0
126,865.8
16,878.5
4,101,419.2
447,703.3
4,549,122.5
9,768.8
477,581.1
456,670.5
20,910.6
0.0
0.0
0.0
20,272.3
186,458.6
0.3
264,863.4
0.0
0.0
0.0
140,863.0
0.0
399.1
5,820.8
1,917.5
0.0
70,491.4
16,858.6
0.0
0.0
0.0
Total
Moneda
Nacional
7,543,561.5
731,568.9
117,941.2
347,615.8
24,907.4
227,877.5
13,227.0
1,365,569.4
1,243,233.6
94,475.5
21,500.0
6,360.3
5,396,675.6
291,724.8
81,371.5
172,219.1
24,907.1
4,878,553.5
4,754,876.1
41,732.4
3,216.6
78,728.5
0.0
46,953.0
74,476.7
260,447.3
40,963.9
5,820.8
139,207.9
898,609.7
444,866.7
453,743.0
0.0
0.0
8,442,171.2
3,452,135.2
3,342,953.7
36,215.0
562.4
72,404.1
0.0
32,979.6
74,476.7
260,447.3
40,589.5
0.0
138,031.7
523,968.6
85,451.3
438,517.3
0.0
0.0
5,920,644.2
6,958,155.5
4,906,435.9
4,760,870.8
664,761.9
1,306,298.0
2,780,040.1
9,770.7
145,565.1
1,747,355.3
1,293,738.5
453,616.8
0.0
0.0
0.0
28,757.8
222,802.0
97,097.0
4,915,724.5
3,343,341.6
3,207,050.7
445,403.0
728,602.1
2,023,800.7
9,245.0
136,290.9
1,268,893.7
1,216,400.7
52,493.0
0.0
0.0
0.0
27,882.5
222,802.0
97,097.0
96,343.0
29,361.9
52,804.6
585,406.0
400,000.0
185,406.0
20,022.6
7,543,561.5
898,609.7
8,442,171.2
96,343.0
29,361.9
52,804.6
585,406.0
400,000.0
185,406.0
20,022.6
5,501,130.5
523,968.6
6,025,099.1
13,227.0
1,106,290.8
1,078,430.6
21,500.0
6,360.3
Extranjera
2,146,885.9
439,844.1
36,569.6
175,396.8
0.3
227,877.5
0.0
259,278.6
164,803.1
94,475.5
0.0
0.0
31.28
‐3.40
58.75
‐12.72
145.61
‐13.96
35.40
120.81
172.24
N/A
‐86.71
N/A
1,426,418.4
1,411,922.4
5,517.4
2,654.2
6,324.4
0.0
13,973.4
0.0
22.83
22.45
34.13
‐8.90
46.03
N/A
11.63
72.43
91.16
34.97
0.00
‐1.05
67.95
285.52
8.12
N/A
N/A
34.41
374.4
5,820.8
1,176.2
374,641.1
359,415.4
15,225.7
0.0
0.0
2,521,527.0
2,042,431.0
1,563,094.3
1,553,820.0
219,359.0
577,695.9
756,239.4
525.7
9,274.2
478,461.5
77,337.8
401,123.7
0.0
0.0
0.0
875.2
33.32
32.28
31.84
29.33
7.72
48.06
44.67
48.17
36.93
21.86
111.72
‐100.00
N/A
N/A
449.08
10.64
11.33
2,042,431.0
374,641.1
2,417,072.1
13.80
‐0.45
94.48
11.11
0.00
46.14
18.63
31.28
67.95
34.41
6,797,498.3
1,169,521.7
13,244,632.0
11,650,513.1
1,594,119.0
7,967,020.0
0.0
0.0
0.0
0.0
0.0
0.0
807,104.8
807,104.8
0.0
4,130,461.8
4,130,461.8
0.0
4,133,843.6
4,133,843.6
5,374,087.9
5,374,087.9
1,942,230.8
1,942,230.8
2,794,419.2
2,794,419.2
355,074.7
355,074.7
415,733.4
415,733.4
1,836,538.1
2,163,935.4
2,163,935.4
1,836,538.1
0.0
0.0
0.0
0.0
0.0
0.0
80,399.6
80,399.6
584,026.4
290,508.0
293,518.4
630,277.0
290,076.3
340,200.7
565,797.7
276,872.8
288,925.0
556,350.2
276,872.8
279,477.4
18,228.7
13,635.3
4,593.4
73,926.9
13,203.6
60,723.3
2,442,045.3 1,566,042.0 876,003.3 3,029,405.7 1,775,487.4 1,253,918.3
66.24
N/A
411.76
30.00
43.88
17.08
17.83
N/A
N/A
7.92
‐1.67
305.55
24.05
0.0
87,350.0
0.0
HSBC: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
18,239,487.8
2,141,478.5
388,149.5
1,071,292.1
11,125.6
562,675.4
108,236.0
3,431,451.5
2,281,043.5
691,565.8
65,295.1
393,547.1
13,932,469.9
1,068,284.4
349,000.3
629,655.5
11,125.6
10,996,797.4
10,031,079.1
273,534.9
240,684.9
451,498.5
0.0
90,252.9
416,354.1
1,050,799.1
76,001.5
0.0
36,352.7
1,550,254.6
552,879.0
997,375.6
0.0
0.0
19,789,742.4
8,862,334.2
7,988,548.5
260,668.4
199,456.5
413,660.9
0.0
76,420.5
416,354.1
1,050,799.1
76,001.5
0.0
35,937.5
1,006,622.0
119,933.0
886,689.0
0.0
0.0
14,939,091.9
0.0
2,042,530.6
12,866.5
41,228.4
37,837.6
0.0
13,832.4
0.0
16,428,569.5
12,935,685.5
12,410,811.4
1,983,477.7
6,800,150.8
3,581,132.5
46,050.4
524,874.1
2,338,793.0
2,031,342.6
171,314.6
0.0
136,135.9
0.0
17,083.6
1,061,887.4
534,401.6
12,292,449.7
9,143,895.6
8,634,776.7
1,624,755.9
4,025,110.8
2,947,620.6
37,289.5
509,118.8
1,996,089.2
1,846,863.4
84,225.8
0.0
65,000.0
0.0
15,457.5
1,061,887.4
534,401.6
0.0
0.0
0.0
358,721.8
2,775,040.1
633,511.9
8,760.9
15,755.2
0.0
184,479.2
87,088.8
0.0
71,135.9
0.0
1,626.1
408,560.3
118,925.6
75,120.0
1,810,918.3
1,332,737.4
478,181.0
‐3,971.7
18,239,487.8
1,550,254.6
19,789,742.4
408,560.3
118,925.6
75,120.0
1,810,918.3
1,332,737.4
478,181.0
‐3,971.7
14,103,368.0
1,006,622.0
15,109,990.0
78,503.0
2,346,338.5
2,281,043.5
65,295.1
0.0
0.0
0.0
39,149.2
441,636.5
0.0
562,675.4
29,732.9
0.0
691,565.8
0.0
393,547.1
0.0
0.0
415.3
0.0
432,946.0
110,686.6
0.0
0.0
0.0
Total
Moneda
Nacional
18,791,413.5
1,304,074.7
360,679.1
577,680.0
11,178.4
276,361.7
78,175.4
5,269,624.5
5,026,300.8
188,951.0
54,372.7
0.0
15,034,925.9
611,131.9
319,211.5
230,386.8
11,178.4
10,520,256.8
9,097,996.7
51,183.8
15,306.3
115,558.9
1,240,211.0
84,714.9
520,585.3
982,602.6
67,785.1
0.0
41,769.6
2,970,307.4
913,318.1
2,056,989.3
0.0
0.0
21,761,720.8
8,150,012.3
6,914,060.5
38,916.3
6,353.8
110,902.1
1,079,779.6
72,120.5
520,585.3
982,602.6
67,785.1
0.0
40,909.4
1,251,900.0
95,382.3
1,156,517.7
0.0
0.0
16,286,826.0
16,975,253.9
13,534,994.3
12,974,143.4
2,556,011.0
6,607,379.6
3,764,234.1
46,518.7
560,850.9
2,358,689.1
2,079,059.0
104,878.4
0.0
174,751.7
0.0
68,357.6
931,571.7
403,376.1
13,282,313.9
10,106,552.0
9,552,852.5
2,011,907.8
4,130,036.5
3,377,236.6
33,671.5
553,699.5
2,095,945.4
1,939,910.8
71,034.6
0.0
85,000.0
0.0
66,603.7
931,571.7
403,376.1
392,180.1
136,015.5
81,641.1
1,816,159.6
1,332,737.4
483,422.2
7,313.3
18,791,413.5
2,970,307.4
21,761,720.8
392,180.1
136,015.5
81,641.1
1,816,159.6
1,332,737.4
483,422.2
7,313.3
15,098,473.5
1,251,900.0
16,350,373.5
50,355.2
4,589,778.8
4,535,406.1
54,372.7
0.0
Extranjera
3,756,487.5
692,942.8
41,467.6
347,293.2
0.0
276,361.7
27,820.3
679,845.7
490,894.7
188,951.0
0.0
0.0
3.03
‐39.10
‐7.08
‐46.08
0.47
‐50.88
‐27.77
53.57
120.35
‐72.68
‐16.73
‐100.00
2,370,244.5
2,183,936.2
12,267.5
8,952.5
4,656.9
160,431.4
12,594.3
0.0
‐4.33
‐9.30
‐81.29
‐93.64
‐74.41
N/A
‐6.14
25.03
‐6.49
‐10.81
N/A
14.90
91.60
65.19
106.24
N/A
N/A
9.96
0.0
0.0
860.2
1,718,407.3
817,935.8
900,471.6
0.0
0.0
5,474,894.9
3,692,940.0
3,428,442.3
3,421,290.9
544,103.2
2,477,343.1
386,997.5
12,847.1
7,151.4
262,743.8
139,148.2
33,843.8
0.0
89,751.7
0.0
1,753.9
3.33
4.63
4.54
28.87
‐2.83
5.11
1.02
6.85
0.85
2.35
‐38.78
N/A
28.37
N/A
300.14
‐12.27
‐24.52
3,692,940.0
1,718,407.3
5,411,347.3
‐4.01
14.37
8.68
0.29
0.00
1.10
‐284.14
3.03
91.60
9.96
38,909,932.7
1,847,243.7
43,976,873.8
40,878,615.5
3,098,258.2
40,757,176.4
152,873.4
0.0
152,873.4
115,752.9
0.0
115,752.9
24,999,460.7
24,881,089.1
118,371.6
26,304,080.5
26,099,773.0
204,307.5
11,640,212.0
11,640,212.0
11,518,408.0
11,518,408.0
5,306,176.1
5,306,176.1
5,296,193.1
5,296,193.1
2,672,283.8
2,672,283.8
2,476,518.9
2,476,518.9
3,627,434.8
3,717,530.9
3,717,530.9
3,627,434.8
34,317.3
34,317.3
28,165.1
28,165.1
0.0
0.0
18,264.1
18,264.1
341,625.1
161,496.4
180,128.7
603,905.3
147,749.3
456,156.0
167,434.9
33,964.2
133,470.7
167,260.3
33,789.6
133,470.7
174,190.2
127,532.1
46,658.1
436,645.0
113,959.7
322,685.3
3,623,005.3 2,227,135.2 1,395,870.0 5,416,463.0 3,094,421.1 2,322,041.9
7.90
‐24.28
5.22
‐1.05
‐0.19
‐7.33
2.48
‐17.93
N/A
76.77
‐0.10
150.67
49.50
0.0
543,632.6
0.0
PROMERICA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
4,084,423.1
408,352.1
35,011.8
264,254.5
5,346.9
94,514.9
9,224.1
529,054.5
348,683.0
160,230.4
12,870.0
7,271.0
3,054,997.7
164,046.0
29,035.6
122,518.3
5,277.8
2,858,705.4
2,792,023.9
17,934.3
1,415.8
40,626.9
6,704.6
67,086.9
10,967.9
138,737.2
12,187.8
0.0
59,331.4
1,748,501.8
59,589.5
1,688,912.3
0.0
0.0
5,832,924.9
2,288,318.5
2,225,186.0
15,325.2
1,415.8
39,687.0
6,704.6
59,146.0
10,967.9
138,737.2
12,176.6
0.0
24,355.0
1,594,432.7
12,241.2
1,582,191.6
0.0
0.0
4,649,430.4
3,669,818.9
3,190,225.8
3,141,088.4
278,935.0
513,297.8
2,346,641.8
2,213.9
49,137.4
321,904.6
321,904.6
0.0
0.0
0.0
0.0
4,603.9
141,921.6
46,842.7
2,648,606.1
2,213,411.6
2,171,759.2
152,476.4
313,668.3
1,704,407.8
1,206.7
41,652.3
278,491.0
278,491.0
0.0
0.0
0.0
0.0
3,619.0
141,921.6
46,842.7
92,318.0
2,761.0
11,162.9
414,604.3
325,000.0
89,604.3
5,181.4
4,084,423.1
1,748,501.8
5,832,924.9
92,318.0
2,761.0
11,162.9
414,604.3
325,000.0
89,604.3
5,181.4
3,063,210.4
1,594,432.7
4,657,643.1
7,214.3
357,250.3
348,683.0
1,296.3
7,271.0
Extranjera
0.0
0.0
5,976.2
141,736.2
69.0
94,514.9
2,009.7
0.0
160,230.4
11,573.7
0.0
0.0
566,837.9
2,609.1
0.0
939.9
0.0
7,940.9
0.0
11.1
0.0
34,976.3
0.0
47,348.4
106,720.7
0.0
0.0
0.0
0.0
0.0
0.0
126,458.6
199,629.5
642,233.9
1,007.2
7,485.1
0.0
43,413.6
0.0
0.0
0.0
0.0
984.9
Total
Moneda
Nacional
4,442,089.8
443,573.6
32,344.2
280,152.8
5,904.8
114,899.8
10,272.0
542,329.3
502,825.6
18,895.1
7,083.1
13,525.5
3,186,329.2
201,828.9
25,192.2
161,139.7
5,718.2
3,181,169.7
3,129,073.4
22,462.4
720.6
27,215.8
1,697.5
69,001.4
13,293.1
144,992.1
13,024.5
0.0
34,706.1
1,878,870.1
74,244.9
1,804,625.1
0.0
0.0
6,320,959.8
2,396,642.3
2,345,790.0
21,218.3
720.6
27,215.8
1,697.5
59,236.4
13,293.1
144,992.1
13,012.4
0.0
20,597.3
1,704,731.6
25,282.5
1,679,449.2
0.0
0.0
4,891,060.8
3,985,702.5
3,361,627.8
3,285,479.8
327,426.5
555,524.9
2,400,918.6
1,609.8
76,148.1
409,104.3
362,104.3
47,000.0
0.0
0.0
0.0
4,487.7
191,831.3
84,563.0
2,939,199.6
2,344,803.5
2,278,425.2
179,228.7
379,879.1
1,718,352.3
965.0
66,378.3
380,025.5
333,025.5
47,000.0
0.0
0.0
0.0
3,887.9
191,831.3
84,563.0
100,930.1
6,338.3
18,651.4
456,387.3
325,000.0
131,387.3
16,852.6
4,442,089.8
1,878,870.1
6,320,959.8
100,930.1
6,338.3
18,651.4
456,387.3
325,000.0
131,387.3
16,852.6
3,395,586.9
1,704,731.6
5,100,318.5
9,778.8
336,726.8
321,905.0
1,296.3
13,525.5
Extranjera
1,255,760.6
241,744.8
7,152.0
119,013.1
186.6
114,899.8
493.2
205,602.5
180,920.6
18,895.1
5,786.8
0.0
8.76
8.63
‐7.62
6.02
10.43
21.57
11.36
2.51
44.21
‐88.21
‐44.96
86.02
784,527.4
783,283.4
1,244.0
0.0
0.0
0.0
9,765.0
0.0
11.28
12.07
25.25
‐49.10
‐33.01
‐74.68
2.85
21.20
4.51
6.87
N/A
‐41.50
7.46
24.59
6.85
N/A
N/A
8.37
12.1
0.0
14,108.8
174,138.4
48,962.4
125,176.0
0.0
0.0
1,429,899.0
1,046,502.9
1,016,824.4
1,007,054.6
148,197.8
175,645.8
682,566.3
644.8
9,769.7
29,078.8
29,078.8
0.0
0.0
0.0
0.0
599.8
8.61
5.37
4.60
17.38
8.23
2.31
‐27.29
54.97
27.09
12.49
N/A
N/A
N/A
N/A
‐2.53
35.17
80.53
1,046,502.9
174,138.4
1,220,641.3
9.33
129.57
67.08
10.08
0.00
46.63
225.25
8.76
7.46
8.37
11,230,464.0
2,051,717.6
16,458,528.2
12,996,234.5
3,462,293.8
13,282,181.5
0.0
0.0
0.0
0.0
0.0
0.0
7,824,608.4
6,774,228.1
1,050,380.2
9,111,008.5
7,409,649.6
1,701,359.0
2,985,246.6
2,985,246.6
3,324,429.5
3,324,429.5
1,278,848.2
1,278,848.2
1,555,332.3
1,555,332.3
1,364,103.1
1,364,103.1
1,439,662.1
1,439,662.1
342,295.4
329,435.1
329,435.1
342,295.4
0.0
0.0
0.0
0.0
0.0
0.0
3,020.7
3,020.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,472,326.6 1,470,989.2 1,001,337.3 4,020,069.5 2,259,134.7 1,760,934.8
23.91
N/A
16.44
11.36
21.62
5.54
‐3.76
N/A
N/A
N/A
N/A
N/A
62.60
0.0
154,069.1
0.0
PROCREDIT: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
1,090,212.4
163,922.3
20,553.8
109,364.2
2,844.8
26,101.0
5,058.6
120,343.1
86,672.0
0.0
0.0
33,671.1
962,872.8
97,539.4
15,570.7
76,193.3
716.8
624,896.1
587,287.5
2,814.1
1,592.0
5,479.7
27,722.9
11,937.5
6,262.4
81,399.4
60,389.2
0.0
21,062.4
0.0
0.0
0.0
0.0
0.0
1,090,212.4
614,419.7
576,811.1
2,814.1
1,592.0
5,479.7
27,722.9
11,851.5
6,262.4
81,399.4
60,389.2
0.0
4,339.1
0.0
0.0
0.0
0.0
0.0
962,872.8
830,546.6
749,882.8
700,795.1
31,333.9
55,147.8
614,246.4
67.0
49,087.6
33,185.6
3,185.6
30,000.0
0.0
0.0
0.0
618.4
46,607.0
14,355.8
702,583.1
621,919.2
577,845.8
29,156.8
41,778.3
506,897.4
13.3
44,073.4
33,185.6
3,185.6
30,000.0
0.0
0.0
0.0
618.4
46,607.0
14,355.8
20,462.8
11,788.4
253.0
259,665.8
492,967.7
‐233,301.9
‐18,091.5
1,090,212.4
0.0
1,090,212.4
20,462.8
11,788.4
253.0
259,665.8
492,967.7
‐233,301.9
‐18,091.5
962,248.9
0.0
962,248.9
5,058.6
86,672.0
86,672.0
0.0
0.0
0.0
0.0
4,983.1
33,170.9
2,128.0
26,101.0
0.0
0.0
0.0
0.0
33,671.1
0.0
10,476.4
0.0
0.0
0.0
0.0
86.0
0.0
0.0
0.0
16,723.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,177.1
13,369.5
107,349.0
53.8
5,014.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
1,467,301.7
96,324.0
33,147.1
51,935.2
342.7
10,898.9
0.0
208,822.5
208,822.5
0.0
0.0
0.0
1,339,688.4
65,474.5
26,060.8
39,103.7
309.9
983,653.8
912,456.6
8,669.3
2,701.7
11,552.8
48,273.4
16,159.3
12,210.9
86,580.4
53,420.6
0.0
10,130.2
404.6
404.6
0.0
0.0
0.0
1,467,706.2
907,123.3
835,926.1
8,669.3
2,701.7
11,552.8
48,273.4
15,695.0
12,210.9
86,580.4
53,420.6
0.0
3,606.6
404.6
404.6
0.0
0.0
0.0
1,340,092.9
1,140,570.8
960,727.0
936,633.4
37,657.4
71,838.8
827,063.2
74.1
24,093.6
99,224.1
51,986.4
47,237.8
0.0
0.0
0.0
1,270.3
77,007.8
25,765.3
1,005,113.2
825,269.4
804,853.9
33,591.4
56,709.2
714,479.2
74.1
20,415.5
99,224.1
51,986.4
47,237.8
0.0
0.0
0.0
1,270.3
77,007.8
25,765.3
30,947.9
20,294.6
2,341.5
326,730.9
623,343.7
‐296,612.8
‐14,235.5
1,467,301.7
404.6
1,467,706.2
30,947.9
20,294.6
2,341.5
326,730.9
623,343.7
‐296,612.8
‐14,235.5
1,331,844.1
404.6
1,332,248.6
0.0
195,577.0
195,577.0
0.0
0.0
127,613.3
30,849.5
7,086.3
12,831.4
32.8
10,898.9
0.0
13,245.5
13,245.5
0.0
0.0
0.0
34.59
‐41.24
61.27
‐52.51
‐87.95
‐58.24
‐100.00
73.52
140.93
N/A
N/A
‐100.00
76,530.5
76,530.5
0.0
0.0
0.0
0.0
464.3
0.0
57.41
55.37
208.07
69.71
110.83
74.13
35.37
94.99
6.36
‐11.54
N/A
‐51.90
N/A
N/A
N/A
N/A
N/A
34.63
0.0
0.0
6,523.6
0.0
0.0
0.0
0.0
0.0
127,613.3
135,457.6
135,457.6
131,779.5
4,065.9
15,129.7
112,583.9
0.0
3,678.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
37.33
28.12
33.65
20.18
30.27
34.65
10.50
‐50.92
199.00
1,531.94
57.46
N/A
N/A
N/A
105.44
65.23
79.48
135,457.6
0.0
135,457.6
51.24
72.16
825.52
25.83
26.45
27.14
‐21.31
34.59
N/A
34.63
2,217,316.6
40,386.9
4,114,169.4
4,036,699.5
77,469.9
2,257,703.5
0.0
0.0
0.0
0.0
0.0
0.0
1,592,544.6
1,554,424.7
38,119.9
3,025,234.1
2,987,114.2
38,119.9
636,833.4
636,833.4
999,813.2
999,813.2
352,822.1
352,822.1
741,184.0
741,184.0
7,935.2
7,935.2
12,976.0
12,976.0
10,827.0
39,109.0
39,109.0
10,827.0
265,249.1
265,249.1
206,544.2
206,544.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
28,325.5 26,058.6 2,267.0 89,122.2 49,772.1 39,350.0
82.23
N/A
89.96
57.00
110.07
63.52
261.22
‐22.13
N/A
N/A
N/A
N/A
214.64
0.0
0.0
0.0
AZTECA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
1,105,570.3
347,751.9
59,972.2
242,445.5
3,198.9
42,041.3
94.0
70,994.2
65,911.4
0.0
0.0
5,082.8
1,039,041.1
286,566.5
52,188.0
231,223.2
3,061.3
599,739.2
563,330.0
30,158.7
6,250.4
0.0
0.0
27,502.5
0.0
2,336.2
13,045.8
0.0
44,200.5
0.0
0.0
0.0
0.0
0.0
1,105,570.3
599,739.2
563,330.0
30,158.7
6,250.4
0.0
0.0
27,502.5
0.0
2,336.2
13,045.8
0.0
43,939.5
0.0
0.0
0.0
0.0
0.0
1,039,041.1
772,575.9
639,810.2
569,376.9
271,164.6
0.0
298,212.2
0.0
70,433.3
0.0
0.0
0.0
0.0
0.0
0.0
10,733.9
82,608.9
74,175.4
719,172.0
586,406.4
515,973.0
217,760.8
0.0
298,212.2
0.0
70,433.3
0.0
0.0
0.0
0.0
0.0
0.0
10,733.9
82,608.9
74,175.4
1,113.7
7,319.7
39,422.9
332,994.4
271,510.0
61,484.4
33,354.5
1,105,570.3
0.0
1,105,570.3
1,113.7
7,319.7
39,422.9
332,994.4
271,510.0
61,484.4
33,354.5
1,052,166.4
0.0
1,052,166.4
94.0
65,911.4
65,911.4
0.0
0.0
0.0
0.0
7,784.2
11,222.3
137.6
42,041.3
0.0
0.0
0.0
0.0
5,082.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
261.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
53,403.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
1,486,510.6
128,534.4
104,131.2
6,559.8
12,248.2
5,087.4
507.8
481,981.9
481,981.9
0.0
0.0
0.0
1,470,308.3
112,838.3
93,948.4
6,371.9
12,010.2
745,053.0
697,588.2
28,490.9
18,973.8
0.0
0.0
16,900.8
0.0
4,965.6
59,253.6
0.0
49,821.3
0.0
0.0
0.0
0.0
0.0
1,486,510.6
745,053.0
697,588.2
28,490.9
18,973.8
0.0
0.0
16,900.8
0.0
4,965.6
59,253.6
0.0
49,636.3
0.0
0.0
0.0
0.0
0.0
1,470,308.3
1,085,824.3
945,228.7
864,950.9
166,776.1
92,540.5
605,634.3
0.0
80,277.9
0.0
0.0
0.0
0.0
0.0
0.0
17,815.0
90,291.5
88,397.0
1,082,926.9
942,331.3
862,053.5
163,880.3
92,538.8
605,634.3
0.0
80,277.9
0.0
0.0
0.0
0.0
0.0
0.0
17,815.0
90,291.5
88,397.0
1,894.6
0.0
32,489.1
400,686.3
300,000.0
100,686.3
23,332.0
1,486,510.6
0.0
1,486,510.6
1,894.6
0.0
32,489.1
400,686.3
300,000.0
100,686.3
23,332.0
1,483,613.2
0.0
1,483,613.2
507.8
481,660.7
481,660.7
0.0
0.0
16,202.3
15,696.1
10,182.8
187.9
238.1
5,087.4
0.0
321.2
321.2
0.0
0.0
0.0
34.46
‐63.04
73.63
‐97.29
282.89
‐87.90
440.21
578.90
631.26
N/A
N/A
‐100.00
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.23
23.83
‐5.53
203.56
N/A
N/A
‐38.55
N/A
112.55
354.20
N/A
12.72
N/A
N/A
N/A
N/A
N/A
34.46
0.0
0.0
185.0
0.0
0.0
0.0
0.0
0.0
16,202.3
2,897.4
2,897.4
2,897.4
2,895.7
1.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,897.4
0.0
2,897.4
2,933,345.9
2,933,345.9
0.0
3,432,184.3
3,432,184.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,019,393.4
1,019,393.4
0.0
1,157,244.9
1,157,244.9
0.0
627,241.7
627,241.7
761,953.8
761,953.8
0.0
0.0
0.0
0.0
627,241.7
627,241.7
761,953.8
761,953.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,286,710.8 1,286,710.8 ‐
1,512,985.7 1,512,985.7 ‐
40.55
47.74
51.91
‐38.50
N/A
103.09
N/A
13.98
N/A
N/A
N/A
N/A
N/A
N/A
65.97
9.30
19.17
70.11
‐100.00
‐17.59
20.33
10.49
63.76
‐30.05
34.46
N/A
34.46
17.01
N/A
13.52
21.48
N/A
21.48
N/A
N/A
N/A
N/A
N/A
N/A
17.59
BANCOVELO: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
1,167,900.2
95,375.3
4,484.9
72,273.9
10,357.7
2,857.0
5,401.7
45,428.4
34,411.6
0.0
0.0
11,016.8
1,160,495.9
88,939.0
3,434.4
71,188.2
8,914.7
907,601.6
819,008.5
66,030.8
22,562.3
0.0
0.0
9,412.9
6,765.9
43,185.7
54,695.9
0.0
5,434.4
4,129.0
88.7
0.0
0.0
4,040.2
1,172,029.1
907,601.6
819,008.5
66,030.8
22,562.3
0.0
0.0
9,412.9
6,765.9
43,185.7
54,695.9
0.0
5,433.8
4,129.0
88.7
0.0
0.0
4,040.2
1,164,624.9
911,422.4
318,606.3
291,681.0
6,117.9
84,313.5
201,232.1
17.5
26,925.3
493,055.7
268,066.1
224,989.7
0.0
0.0
0.0
445.8
85,145.8
66,966.4
900,765.2
313,576.8
286,735.6
6,117.9
81,257.6
199,342.6
17.5
26,841.1
487,445.0
268,066.1
219,378.9
0.0
0.0
0.0
428.9
85,145.8
66,966.4
18,176.2
3.1
14,168.8
256,477.8
321,218.4
‐64,740.6
‐1,452.2
1,167,900.2
4,129.0
1,172,029.1
18,176.2
3.1
14,168.8
256,477.8
321,218.4
‐64,740.6
‐1,452.2
1,157,243.0
4,129.0
1,161,371.9
5,401.7
44,461.0
34,411.6
0.0
10,049.4
Total
Extranjera
0.0
0.0
1,050.5
1,085.7
1,443.0
2,857.0
0.0
0.0
0.0
0.0
967.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3,055.9
1,889.5
0.0
84.2
0.0
0.0
5,610.7
0.0
0.0
0.0
16.9
Moneda
Nacional
1,078,466.6
33,653.5
8,116.1
11,631.5
13,851.6
0.0
54.3
72,814.5
66,295.1
1,889.5
0.0
4,630.0
1,065,589.1
23,160.7
7,204.9
11,285.2
4,616.3
840,513.4
772,394.4
41,236.1
5,479.2
0.0
21,403.8
11,549.6
11,654.7
49,705.5
52,801.0
0.0
5,774.4
3,863.4
3,863.4
0.0
0.0
0.0
1,082,330.0
840,513.4
772,394.4
41,236.1
5,479.2
0.0
21,403.8
11,549.6
11,654.7
49,705.5
52,801.0
0.0
5,774.3
3,863.4
3,863.4
0.0
0.0
0.0
1,069,452.5
698,984.5
321,402.0
303,940.7
2,113.0
87,280.4
214,508.7
38.6
17,461.3
298,715.6
230,193.2
68,522.4
0.0
0.0
0.0
396.1
68,829.2
45,749.0
697,696.2
320,113.8
302,652.4
2,113.0
85,992.1
214,508.7
38.6
17,461.3
298,715.6
230,193.2
68,522.4
0.0
0.0
0.0
396.1
68,829.2
45,749.0
22,861.9
218.3
9,641.5
379,482.1
441,880.1
‐62,398.0
526.7
1,078,466.6
3,863.4
1,082,330.0
22,861.9
218.3
9,641.5
379,482.1
441,880.1
‐62,398.0
526.7
1,077,178.3
3,863.4
1,081,041.7
54.3
70,430.0
65,800.0
0.0
4,630.0
Extranjera
12,877.4
10,492.8
911.2
346.3
9,235.3
0.0
0.0
2,384.6
495.1
1,889.5
0.0
0.0
‐7.66
‐64.71
80.96
‐83.91
33.73
‐100.00
‐99.00
60.28
92.65
N/A
N/A
‐57.97
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐7.39
‐5.69
‐37.55
‐75.72
N/A
N/A
22.70
72.26
15.10
‐3.46
N/A
6.26
‐6.43
4,253.50
N/A
N/A
‐100.00
‐7.65
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
12,877.4
1,288.3
1,288.3
1,288.3
0.0
1,288.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐23.31
0.88
4.20
‐65.46
3.52
6.60
120.91
‐35.15
‐39.42
‐14.13
‐69.54
N/A
N/A
N/A
‐11.13
‐19.16
‐31.68
1,288.3
0.0
1,288.3
25.78
6,846.44
‐31.95
47.96
37.56
‐3.62
‐136.27
‐7.66
‐6.43
‐7.65
3,108,039.9
5,610.7
2,936,880.5
2,936,880.5
0.0
3,113,650.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
917,014.6
917,014.6
852,063.0
852,063.0
254,302.0
254,302.0
93,863.5
93,863.5
21,996.1
21,996.1
15,776.5
15,776.5
336,089.8
402,469.9
402,469.9
336,089.8
238,246.6
238,246.6
406,333.2
406,333.2
0.0
0.0
0.0
0.0
131,353.9
131,353.9
0.0
73,745.0
73,745.0
0.0
75,983.8
75,983.8
0.0
73,745.0
73,745.0
0.0
55,370.1
55,370.1
0.0
0.0
0.0
0.0
2,065,282.1 2,059,671.3 5,610.7 2,011,072.5 2,011,072.5 ‐
‐5.68
N/A
N/A
‐7.08
‐63.09
‐28.28
‐16.49
70.55
N/A
‐43.86
‐2.95
‐100.00
‐2.62
0.0
0.0
0.0
BAC|HONDURAS: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
26,152,487.9
3,889,264.3
964,612.0
1,205,571.5
16,787.4
1,438,573.5
263,719.8
3,906,907.6
2,318,943.8
878,622.2
74,466.2
634,875.4
17,172,786.9
1,487,050.6
845,490.7
396,220.7
9,203.3
17,068,999.5
16,662,851.2
177,504.5
29,959.9
165,219.6
33,464.3
114,154.6
200,788.4
688,357.8
187,095.2
29,902.9
67,017.8
8,089,267.1
857,158.9
7,232,108.3
0.0
0.0
34,241,755.1
12,038,049.1
11,709,092.5
139,745.6
17,706.2
158,010.8
13,494.1
90,615.5
200,788.4
688,357.8
187,095.2
27,011.1
60,409.1
7,220,609.0
257,154.3
6,963,454.6
0.0
0.0
24,393,395.9
0.0
4,953,758.7
37,758.9
12,253.7
7,208.9
19,970.2
23,539.0
0.0
23,211,776.6
18,384,876.2
17,921,407.6
5,379,059.5
6,898,215.9
5,565,320.2
78,811.9
463,468.7
3,703,376.9
1,914,274.5
1,675,731.7
0.0
113,370.6
0.0
67,217.8
789,195.2
345,933.1
15,692,544.9
12,235,937.8
11,808,480.6
3,929,978.6
3,947,403.0
3,868,998.0
62,101.0
427,457.2
2,337,112.3
1,906,992.5
430,119.8
0.0
0.0
0.0
63,189.1
789,195.2
345,933.1
0.0
0.0
0.0
1,449,081.0
2,950,813.0
1,696,322.2
16,710.9
36,011.4
0.0
7,282.0
1,245,611.9
0.0
113,370.6
0.0
4,028.7
334,961.3
108,300.8
267,110.5
2,940,711.3
2,502,358.9
438,352.4
117,740.5
26,152,487.9
8,089,267.1
34,241,755.1
334,961.3
108,300.8
267,110.5
2,940,711.3
2,502,358.9
438,352.4
117,740.5
18,633,256.2
7,220,609.0
25,853,865.2
236,136.0
2,393,410.0
2,318,943.8
74,466.2
0.0
0.0
0.0
119,121.3
809,350.8
7,584.1
1,438,573.5
27,583.8
0.0
878,622.2
0.0
634,875.4
0.0
2,891.8
6,608.7
0.0
600,004.6
268,653.6
0.0
0.0
0.0
Total
Moneda
Nacional
27,318,821.7
2,891,114.9
942,640.1
894,147.2
3,897.8
994,850.3
55,579.6
5,365,768.4
5,041,294.8
256,973.0
67,500.6
0.0
18,189,094.6
1,094,052.6
809,598.0
232,507.0
3,535.1
17,666,230.8
16,598,256.5
154,794.0
25,320.6
113,158.9
774,700.8
118,364.0
252,056.8
698,234.0
226,922.5
14,066.8
86,063.5
7,174,948.6
709,918.2
6,465,030.4
0.0
0.0
34,493,770.3
11,490,758.4
10,796,104.1
132,480.2
24,826.9
95,672.7
441,674.4
85,630.7
252,056.8
698,234.0
226,922.5
7,461.2
65,467.0
6,007,143.3
301,476.8
5,705,666.5
0.0
0.0
24,196,237.9
24,273,992.2
19,454,918.2
18,522,886.8
5,947,105.3
8,053,055.2
4,461,121.3
61,605.0
932,031.4
3,608,249.7
1,992,930.8
1,615,318.9
0.0
0.0
0.0
61,840.2
848,679.1
374,497.7
16,680,807.9
13,097,048.3
12,471,641.7
4,187,495.2
4,934,589.7
3,290,817.6
58,739.2
625,406.5
2,378,345.7
1,992,930.8
385,414.9
0.0
0.0
0.0
56,429.9
848,679.1
374,497.7
386,849.0
87,332.3
300,305.0
3,044,829.4
2,500,000.0
544,829.4
111,889.4
27,318,821.7
7,174,948.6
34,493,770.3
386,849.0
87,332.3
300,305.0
3,044,829.4
2,500,000.0
544,829.4
111,889.4
19,725,637.4
6,007,143.3
25,732,780.7
48,412.5
4,268,511.4
4,201,010.8
67,500.6
0.0
Extranjera
9,129,727.1
1,797,062.3
133,042.0
661,640.2
362.7
994,850.3
7,167.1
1,097,257.0
840,284.0
256,973.0
0.0
0.0
4.46
‐25.66
‐2.28
‐25.83
‐76.78
‐30.84
‐78.92
37.34
117.40
‐70.75
‐9.35
‐100.00
6,175,472.3
5,802,152.4
22,313.8
493.7
17,486.1
333,026.4
32,733.3
0.0
3.50
‐0.39
‐12.79
‐15.48
‐31.51
2,215.01
3.69
25.53
1.43
21.29
‐52.96
28.42
‐11.30
‐17.18
‐10.61
N/A
N/A
0.74
0.0
6,605.6
20,596.5
1,167,805.3
408,441.4
759,363.9
0.0
0.0
10,297,532.4
7,593,184.3
6,357,870.0
6,051,245.1
1,759,610.2
3,118,465.5
1,170,303.7
2,865.8
306,624.9
1,229,904.1
0.0
1,229,904.1
0.0
0.0
0.0
5,410.3
4.58
5.82
3.36
10.56
16.74
‐19.84
‐21.83
101.10
‐2.57
4.11
‐3.61
N/A
‐100.00
N/A
‐8.00
7.54
8.26
7,593,184.3
1,167,805.3
8,760,989.6
15.49
‐19.36
12.43
3.54
‐0.09
24.29
‐4.97
4.46
‐11.30
0.74
102,261,162.8
72,861,487.0
29,399,675.9
110,059,945.9
76,249,324.1
33,810,621.8
0.0
0.0
0.0
0.0
0.0
0.0
40,103,078.0
26,333,430.2
13,769,647.8
38,967,826.2
25,582,316.9
13,385,509.3
18,040,335.8
18,040,335.8
18,494,513.0
18,494,513.0
9,253,410.4
9,253,410.4
9,399,449.2
9,399,449.2
4,691,525.5
4,691,525.5
4,978,474.4
4,978,474.4
4,095,399.9
4,116,589.4
4,116,589.4
4,095,399.9
0.0
0.0
0.0
0.0
0.0
0.0
174,619.5
174,619.5
5,534,650.3
5,442,705.6
91,944.7
5,629,740.4
5,477,466.7
152,273.6
5,375,254.6
5,375,254.6
0.0
5,416,812.7
5,416,812.7
0.0
159,395.7
67,451.0
91,944.7
212,927.6
60,654.0
152,273.6
38,583,098.8 23,045,015.4 15,538,083.4 46,793,246.9 26,520,408.0 20,272,838.9
7.63
N/A
‐2.83
2.52
1.58
6.12
0.52
N/A
N/A
1.72
0.77
33.58
21.28
0.0
868,658.2
0.0
CITIBANK: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
Vigentes 1/
Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Extranjera
8,596,609.3
2,184,679.5
175,497.2
875,073.8
37,179.5
900,250.7
196,678.3
1,172,015.7
918,513.3
0.0
11,645.2
241,857.3
5,649,789.3
566,820.1
124,575.1
213,796.8
37,179.5
4,645,465.8
4,238,027.9
115,037.3
50,726.3
45,799.9
195,874.3
54,215.5
22,122.7
339,550.4
58,923.2
0.0
119,636.4
2,017,992.5
196,304.9
1,821,687.6
0.0
0.0
10,614,601.7
3,605,035.9
3,235,157.6
97,053.7
35,771.3
41,224.1
195,829.3
46,761.6
22,122.7
339,550.4
58,923.2
0.0
83,787.7
1,642,271.4
25,587.7
1,616,683.7
0.0
0.0
7,292,060.6
0.0
1,002,870.4
17,983.6
14,955.1
4,575.8
45.0
7,453.9
0.0
7,800,353.1
6,739,500.7
6,317,577.9
677,820.3
1,886,391.0
3,723,741.9
29,624.7
421,922.8
558,772.4
174,541.6
384,230.8
0.0
0.0
0.0
13,696.2
363,965.2
162,574.4
4,917,723.2
4,243,369.8
3,969,552.8
522,546.9
638,635.8
2,805,979.0
2,391.1
273,817.1
174,541.6
174,541.6
0.0
0.0
0.0
0.0
11,428.1
363,965.2
162,574.4
0.0
0.0
0.0
155,273.4
1,247,755.2
917,762.9
27,233.6
148,105.8
0.0
0.0
384,230.8
0.0
0.0
0.0
2,268.2
143,648.3
57,742.5
124,418.5
796,256.2
589,338.1
206,918.1
38,074.0
8,596,609.3
2,017,992.5
10,614,601.7
143,648.3
57,742.5
124,418.5
796,256.2
589,338.1
206,918.1
38,074.0
5,713,979.4
1,642,271.4
7,356,250.7
191,268.7
926,787.6
918,513.3
8,274.3
0.0
0.0
0.0
50,922.2
661,277.0
0.0
900,250.7
5,409.6
0.0
0.0
3,370.8
241,857.3
0.0
0.0
35,848.7
0.0
170,717.2
205,003.9
0.0
0.0
0.0
Total
Moneda
Nacional
7,364,309.9
1,025,654.3
130,208.1
424,112.9
78,150.1
350,364.7
42,818.6
1,807,027.0
1,634,775.5
160,608.4
11,643.2
0.0
5,111,941.4
410,553.1
103,130.8
186,509.4
78,150.1
3,854,231.6
3,606,056.3
78,587.7
6,231.2
48,354.8
115,001.7
127,915.6
26,585.1
344,973.0
59,194.8
0.0
118,728.5
1,986,067.2
45,146.6
1,940,920.6
0.0
0.0
9,350,377.1
3,121,178.1
2,887,428.9
70,409.0
4,857.2
43,481.4
115,001.7
116,753.6
26,585.1
344,973.0
59,194.8
0.0
89,719.5
1,753,100.5
14,218.0
1,738,882.5
0.0
0.0
6,865,041.9
6,559,408.6
5,797,367.2
5,603,674.3
633,502.9
1,744,882.3
3,167,426.7
57,862.3
193,692.9
249,272.5
60,324.5
188,948.0
0.0
0.0
0.0
8,977.8
408,591.3
115,328.6
4,686,577.6
3,930,861.9
3,759,179.2
552,212.8
735,423.0
2,468,973.6
2,569.8
171,682.7
249,272.5
60,324.5
188,948.0
0.0
0.0
0.0
2,652.0
408,591.3
115,328.6
168,243.3
125,019.4
95,199.8
804,901.3
589,338.1
215,563.2
6,203.4
7,364,309.9
1,986,067.2
9,350,377.1
168,243.3
125,019.4
95,199.8
804,901.3
589,338.1
215,563.2
6,203.4
5,491,478.9
1,753,100.5
7,244,579.4
42,762.8
942,984.3
934,712.0
8,272.3
0.0
Extranjera
2,252,368.5
615,101.3
27,077.3
237,603.5
0.0
350,364.7
55.8
864,042.7
700,063.5
160,608.4
3,370.8
0.0
‐14.33
‐53.05
‐25.81
‐51.53
110.20
‐61.08
‐78.23
54.18
77.98
N/A
‐0.02
‐100.00
733,053.5
718,627.4
8,178.7
1,374.0
4,873.3
0.0
11,162.1
0.0
‐17.03
‐14.91
‐31.69
‐87.72
5.58
‐41.29
135.94
20.17
1.60
0.46
N/A
‐0.76
‐1.58
‐77.00
6.55
N/A
N/A
‐11.91
0.0
0.0
29,009.1
232,966.7
30,928.6
202,038.1
0.0
0.0
2,485,335.2
1,872,831.0
1,866,505.3
1,844,495.1
81,290.1
1,009,459.3
698,453.2
55,292.5
22,010.2
0.0
0.0
0.0
0.0
0.0
0.0
6,325.8
‐15.91
‐13.98
‐11.30
‐6.54
‐7.50
‐14.94
95.32
‐54.09
‐55.39
‐65.44
‐50.82
N/A
N/A
N/A
‐34.45
12.26
‐29.06
1,872,831.0
232,966.7
2,105,797.8
17.12
116.51
‐23.48
1.09
0.00
4.18
‐83.71
‐14.33
‐1.58
‐11.91
11,056,394.5
2,392,708.3
9,771,342.1
8,857,187.4
914,154.6
13,449,102.9
0.0
0.0
0.0
0.0
0.0
0.0
3,665,233.8
3,659,470.8
5,763.0
3,041,163.6
3,041,163.6
0.0
4,897,549.3
4,897,549.3
4,052,090.5
4,052,090.5
938,416.3
938,416.3
671,885.7
671,885.7
3,235,208.6
3,235,208.6
3,220,898.0
3,220,898.0
159,306.8
723,924.5
723,924.5
159,306.8
0.0
0.0
0.0
0.0
0.0
0.0
5,519.1
5,519.1
25,782.4
0.0
25,782.4
39,809.3
0.0
39,809.3
0.0
0.0
0.0
0.0
0.0
0.0
25,782.4
0.0
25,782.4
39,809.3
0.0
39,809.3
4,860,537.3 2,499,374.4 2,361,162.9 2,632,759.5 1,758,414.2 874,345.3
‐27.35
N/A
‐17.03
‐17.26
‐28.40
‐0.44
‐77.99
N/A
N/A
54.40
N/A
54.40
‐45.83
0.0
375,721.1
0.0
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Estado de Resultados ‐ Bancos Comerciales
BANCOS COMERCIALES: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Regresar
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
PRODUCTOS FINANCIEROS
5,949,470.8
5,168,489.1
780,981.7
6,346,950.8
5,470,934.6
876,016.3
6.68
INTERESES
Sobre Disponibilidades
Sobre Inversiones
Sobre Cartera de Préstamos
Préstamos Hipotecarios
Préstamos Fiduciarios
Préstamos con Garantía Accesoria
Otros Préstamos
Otros
5,655,517.5
476.4
330,902.8
5,202,912.3
870,998.4
1,004,934.0
1,040,051.1
2,286,928.8
121,226.1
4,922,924.5
191.2
310,618.1
4,590,024.5
794,909.0
881,933.2
828,405.7
2,084,776.6
22,090.7
732,593.0
285.1
20,284.7
612,887.8
76,089.4
123,000.9
211,645.4
202,152.2
99,135.3
6,069,273.8
785.8
552,705.4
5,348,607.8
884,638.8
926,621.1
984,255.6
2,553,092.3
167,174.8
5,240,929.8
523.0
531,747.5
4,651,964.3
798,215.1
758,969.3
750,732.6
2,344,047.2
56,695.1
828,344.0
262.9
20,957.9
696,643.5
86,423.6
167,651.8
233,523.0
209,045.1
110,479.8
7.32
64.97
67.03
2.80
1.57
‐7.79
‐5.36
11.64
37.90
32,632.4
31,885.8
746.6
27,915.5
27,673.4
242.1
‐14.45
252,699.1
210,163.4
42,535.7
241,837.4
199,364.3
42,473.2
‐4.30
8,621.8
3,515.5
5,106.3
7,924.1
2,967.1
4,957.0
‐8.09
GASTOS FINANCIEROS
2,614,005.6
2,248,071.5
365,934.0
2,744,411.3
2,412,420.2
331,991.2
4.99
INTERESES
Sobre Depósitos en Cta. de Cheques
Sobre Depósitos de Ahorro
Sobre Depósitos a Plazo
Otras Obligaciones
2,572,098.6
53,766.3
484,070.9
1,038,670.5
995,590.9
2,224,425.3
46,069.4
400,909.0
875,663.5
901,783.3
347,673.3
7,696.9
83,161.9
163,007.0
93,807.5
2,703,532.4
63,080.0
540,969.1
875,047.9
1,224,435.4
2,383,213.5
54,267.8
459,625.2
742,808.1
1,126,512.4
320,319.0
8,812.2
81,343.9
132,239.9
97,923.0
5.11
17.32
11.75
‐15.75
22.99
COMISIONES
17,156.4
11,672.1
5,484.2
25,056.0
17,675.9
7,380.2
46.05
OTROS GASTOS
24,750.6
11,974.1
12,776.5
15,822.9
11,530.8
4,292.1
‐36.07
DIV. SOBRE ACCIONES Y PART.
COMISIONES
OTROS PRODUCTOS
RESULTADO FINANCIERO
3,335,465.2
2,920,417.6
415,047.6
3,602,539.5
3,058,514.4
544,025.1
8.01
PRODUCTOS POR SERVICIOS
694,701.1
411,410.8
283,290.3
816,171.3
483,693.1
332,478.2
17.49
COMISIONES
Giros y Transferencias
Fideicomisos y Administración
Otras
495,276.0
73,411.7
23,824.6
398,039.7
220,904.0
32,574.9
23,000.5
165,328.7
274,372.0
40,836.8
824.1
232,711.0
585,596.5
90,366.6
25,273.6
469,956.3
265,734.0
45,140.4
24,697.4
195,896.2
319,862.5
45,226.2
576.2
274,060.0
18.24
23.10
6.08
18.07
8,528.4
8,528.4
9,681.9
9,681.9
190,896.7
181,978.4
220,893.0
208,277.3
GTOS. DE ADMINISTRACION
3,168,240.5
3,168,240.5
3,516,300.6
3,516,300.6
10.99
GASTOS EN PERSONAL
Consejeros y Directores
Sueldos
Otros
Funcionarios y Empleados
Sueldos
Otros
1,101,242.7
19,105.0
1,140.0
17,965.0
1,082,137.6
755,666.7
326,470.9
1,101,242.7
19,105.0
1,140.0
17,965.0
1,082,137.6
755,666.7
326,470.9
1,194,694.4
19,556.5
1,435.0
18,121.5
1,175,137.9
825,809.5
349,328.4
1,194,694.4
19,556.5
1,435.0
18,121.5
1,175,137.9
825,809.5
349,328.4
8.49
2.36
25.88
0.87
8.59
9.28
7.00
675,808.0
129,806.2
459,466.7
86,535.1
675,808.0
129,806.2
459,466.7
86,535.1
734,407.5
135,424.0
507,325.6
91,657.9
734,407.5
135,424.0
507,325.6
91,657.9
8.67
4.33
10.42
5.92
1,391,189.9
38,642.8
156,156.8
95,518.4
1,100,871.8
1,391,189.9
38,642.8
156,156.8
95,518.4
1,100,871.8
1,587,198.7
39,456.8
159,503.4
104,018.6
1,284,219.9
1,587,198.7
39,456.8
159,503.4
104,018.6
1,284,219.9
14.09
2.11
2.14
8.90
16.65
RESULTADO DE OPERACION
861,925.8
163,587.8
902,410.2
25,907.0
PRODUC. EXTRAORDINARIOS
202,354.9
202,354.9
161,843.3
161,843.3
‐20.02
EGRESOS EXTRAORDINARIOS
39,719.5
39,719.5
17,590.6
17,590.6
‐55.71
RESULTADOS DE EJERC. ANT.
66,772.2
66,772.2
45,634.1
45,634.1
‐31.66
GTOS. DE EJERC. ANTERIORES
8,809.0
8,809.0
6,362.1
6,362.1
‐27.78
IMPUESTO SOBRE LA RENTA
340,805.7
340,805.7
380,886.2
380,886.2
11.76
RESULTADOS DEL EJERCICIO
741,718.8
741,718.8
705,048.8
705,048.8
‐4.94
ARRENDAMIENTOS
OTROS
DEPRECIACIONES Y AMORT.
Muebles e Inmuebles
Créditos de Dudoso Recaudo
Otros
GASTOS DIVERSOS
Impuestos y Contribuciones
Arrendamientos
Reparaciones y Mantenimiento
Otros Gastos
8,918.4
698,337.9
13.53
12,615.7
876,503.3
15.71
4.70
BANCATLAN: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
797,011.9
656,508.9
140,503.1
832,335.3
678,812.7
153,522.6
4.43
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
765,594.1
165.4
61,408.2
699,771.7
33,098.9
245,559.4
255,000.0
166,113.4
4,248.8
634,709.6
5.8
60,852.6
571,856.2
32,659.2
199,508.5
199,776.6
139,911.9
1,994.9
130,884.5
159.6
555.6
127,915.4
439.7
46,050.9
55,223.4
26,201.5
2,253.8
798,937.0
174.0
126,485.3
662,309.0
32,744.8
228,492.7
224,158.4
176,913.1
9,968.7
654,040.4
3.6
125,760.8
520,925.0
32,267.8
180,060.1
159,430.1
149,167.0
7,351.0
144,896.6
170.3
724.5
141,384.0
477.0
48,432.6
64,728.3
27,746.1
2,617.7
4.36
5.17
105.97
‐5.35
‐1.07
‐6.95
‐12.09
6.50
134.63
194.2
0.0
194.2
283.3
64.6
218.7
45.91
31,223.7
21,799.3
9,424.4
33,006.2
24,707.7
8,298.5
5.71
0.0
0.0
0.0
108.8
0.0
108.8
N/A
GASTOS FINANCIEROS
290,550.9
230,935.1
59,615.8
339,997.5
272,900.0
67,097.5
17.02
INTERESES
Otras Obligaciones
284,763.5
5,750.6
92,495.2
138,873.6
47,644.1
225,147.7
5,142.2
75,522.6
107,806.6
36,676.4
59,615.8
608.4
16,972.6
31,067.1
10,967.8
332,830.1
11,155.7
108,399.5
152,775.0
60,500.0
265,732.6
9,790.6
91,117.4
117,836.2
46,988.4
67,097.5
1,365.1
17,282.1
34,938.7
13,511.6
16.88
93.99
17.19
10.01
26.98
5,787.4
5,787.4
0.0
7,167.4
7,167.4
0.0
23.84
0.0
0.0
0.0
0.0
0.0
0.0
N/A
506,461.0
425,573.8
80,887.2
492,337.8
405,912.7
86,425.1
‐2.79
116,875.8
67,087.3
49,788.5
136,358.0
79,147.0
57,211.0
16.67
89,836.1
21,176.7
3,173.8
65,485.6
41,709.1
5,376.7
3,173.8
33,158.6
48,127.0
15,800.0
0.0
32,327.0
102,658.2
23,724.7
3,301.7
75,631.8
47,843.8
5,379.9
3,301.7
39,162.3
54,814.4
18,344.8
0.0
36,469.5
14.27
12.03
4.03
15.49
1,433.0
1,433.0
1,660.1
1,660.1
25,606.8
23,945.2
32,039.7
29,643.1
425,808.3
425,808.3
450,584.8
450,584.8
5.82
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
165,353.0
2,116.8
780.0
1,336.8
163,236.2
109,229.8
54,006.4
165,353.0
2,116.8
780.0
1,336.8
163,236.2
109,229.8
54,006.4
183,022.6
2,850.3
1,035.0
1,815.3
180,172.3
118,943.0
61,229.3
183,022.6
2,850.3
1,035.0
1,815.3
180,172.3
118,943.0
61,229.3
10.69
34.65
32.69
35.79
10.38
8.89
13.37
74,348.8
22,601.3
37,289.4
14,458.0
74,348.8
22,601.3
37,289.4
14,458.0
59,322.5
25,002.9
29,700.4
4,619.2
59,322.5
25,002.9
29,700.4
4,619.2
‐20.21
10.63
‐20.35
‐68.05
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
186,106.5
3,804.4
10,632.4
12,706.4
158,963.3
186,106.5
3,804.4
10,632.4
12,706.4
158,963.3
208,239.6
4,255.4
12,086.5
13,814.1
178,083.6
208,239.6
4,255.4
12,086.5
13,814.1
178,083.6
11.89
11.85
13.68
8.72
12.03
197,528.5
66,852.7
178,111.0
34,474.9
20,781.9
20,781.9
13,380.1
13,380.1
‐35.62
308.3
308.3
665.5
665.5
115.86
6,239.6
6,239.6
1,766.6
1,766.6
‐71.69
0.0
0.0
0.0
0.0
N/A
67,250.0
67,250.0
67,475.0
67,475.0
0.33
156,991.6
156,991.6
125,117.3
125,117.3
‐20.30
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
COMISIONES
Otras
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
1,661.5
130,675.8
15.85
2,396.6
143,636.1
25.12
‐9.83
HONDURAS: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
33,043.5
29,810.7
3,232.8
26,922.4
20,075.8
6,846.7
‐18.52
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
20,528.1
18.6
8,895.5
11,358.3
29.4
4,847.7
0.0
6,481.2
255.7
17,295.3
18.6
8,877.4
8,143.6
29.4
2,606.2
0.0
5,508.0
255.7
3,232.8
0.0
18.1
3,214.6
0.0
2,241.5
0.0
973.2
0.0
26,290.3
18.6
12,879.1
12,314.0
24.0
9,616.2
0.0
2,673.8
1,078.6
19,443.7
18.6
12,846.8
5,499.7
24.0
2,801.9
0.0
2,673.8
1,078.6
6,846.7
0.0
32.3
6,814.3
0.0
6,814.3
0.0
0.0
0.0
28.07
0.23
44.78
8.41
‐18.31
98.37
N/A
‐58.75
321.76
0.0
0.0
0.0
0.0
0.0
0.0
N/A
12,515.4
12,515.4
0.0
632.1
632.1
0.0
‐94.95
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
6,058.2
5,696.8
361.4
2,198.6
1,970.2
228.4
‐63.71
INTERESES
Otras Obligaciones
6,044.9
1,452.9
24.9
4,567.0
0.1
5,696.8
1,130.8
24.4
4,541.6
0.1
348.1
322.2
0.5
25.4
0.0
2,110.4
1,354.1
35.3
534.8
186.3
1,970.2
1,214.3
34.8
534.8
186.3
140.2
139.7
0.5
0.0
0.0
‐65.09
‐6.81
41.75
‐88.29
265,024.72
0.0
0.0
0.0
0.0
0.0
0.0
N/A
13.3
0.0
13.3
88.2
0.0
88.2
563.22
26,985.3
24,113.9
2,871.4
24,723.8
18,105.6
6,618.2
‐8.38
12,311.4
1,388.4
10,922.9
17,349.0
2,585.6
14,763.3
40.92
COMISIONES
Otras
10,985.3
661.2
0.0
10,324.1
62.4
62.4
0.0
0.0
10,922.9
598.8
0.0
10,324.1
16,428.0
531.3
0.0
15,896.7
1,664.7
18.6
0.0
1,646.1
14,763.3
512.7
0.0
14,250.6
49.55
‐19.65
N/A
53.98
0.0
0.0
0.0
0.0
1,326.1
1,326.1
921.0
921.0
27,278.9
27,278.9
31,409.9
31,409.9
15.14
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
9,355.5
12.0
0.0
12.0
9,343.5
7,069.2
2,274.2
9,355.5
12.0
0.0
12.0
9,343.5
7,069.2
2,274.2
10,500.6
0.0
0.0
0.0
10,500.6
7,799.2
2,701.4
10,500.6
0.0
0.0
0.0
10,500.6
7,799.2
2,701.4
12.24
‐100.00
N/A
‐100.00
12.38
10.33
18.78
Muebles e Inmuebles
Otros
2,613.2
613.2
2,000.0
0.0
2,613.2
613.2
2,000.0
0.0
589.5
589.5
0.0
0.0
589.5
589.5
0.0
0.0
‐77.44
‐3.86
‐100.00
N/A
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
15,310.3
0.0
2,059.7
390.7
12,860.0
15,310.3
0.0
2,059.7
390.7
12,860.0
20,319.8
0.0
2,065.8
566.5
17,687.5
20,319.8
0.0
2,065.8
566.5
17,687.5
12,017.7
‐1,776.6
10,662.9
‐10,718.7
69.8
69.8
0.0
0.0
‐100.00
75.0
75.0
0.0
0.0
‐100.00
0.0
0.0
4,264.3
4,264.3
337.0
337.0
0.0
0.0
‐100.00
3,485.8
3,485.8
7,138.3
7,138.3
104.78
8,189.7
8,189.7
7,788.9
7,788.9
‐4.89
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
0.0
13,794.3
N/A
0.0
‐30.55
32.72
N/A
0.30
45.00
37.54
21,381.6
‐11.27
N/A
BANCOCCI: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
1,247,634.7
1,198,679.4
48,955.4
1,561,230.6
1,495,153.0
66,077.6
25.14
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
1,220,705.0
0.0
86,795.1
1,132,177.0
61,255.0
126,321.8
309,171.7
635,428.6
1,732.9
1,172,582.5
0.0
84,138.1
1,086,711.5
60,272.0
107,201.5
291,232.9
628,005.0
1,732.9
48,122.5
0.0
2,656.9
45,465.5
982.9
19,120.2
17,938.8
7,423.6
0.0
1,534,236.1
0.4
152,243.5
1,361,349.3
78,912.4
118,990.3
288,405.0
875,041.6
20,642.9
1,469,521.5
0.4
149,129.2
1,299,749.1
76,930.6
88,321.1
272,573.9
861,923.4
20,642.9
64,714.6
0.0
3,114.4
61,600.2
1,981.9
30,669.1
15,831.1
13,118.2
0.0
25.68
N/A
75.41
20.24
28.83
‐5.80
‐6.72
37.71
1,091.22
111.5
111.5
0.0
148.9
148.9
0.0
33.47
24,582.7
24,127.0
455.6
24,559.1
23,934.2
624.9
‐0.10
2,235.6
1,858.3
377.3
2,286.6
1,548.5
738.0
2.28
GASTOS FINANCIEROS
822,266.1
784,008.0
38,258.1
1,087,335.5
1,047,051.7
40,283.8
32.24
INTERESES
Otras Obligaciones
816,570.3
2,328.9
174,059.9
77,147.2
563,034.3
779,247.3
2,293.1
145,959.1
71,403.7
559,591.4
37,323.0
35.8
28,100.8
5,743.5
3,443.0
1,080,210.7
3,581.1
215,632.1
75,816.9
785,180.6
1,040,928.5
3,550.8
186,508.4
69,497.8
781,371.7
39,282.1
30.4
29,123.7
6,319.1
3,809.0
32.29
53.77
23.88
‐1.72
39.46
COMISIONES
1,472.7
1,065.6
407.1
3,260.9
2,833.7
427.2
121.43
OTROS GASTOS
4,223.2
3,695.1
528.0
3,863.9
3,289.4
574.5
‐8.51
425,368.6
414,671.3
10,697.2
473,895.1
448,101.4
25,793.8
11.41
75,556.2
41,616.9
33,939.3
88,764.6
49,555.0
39,209.6
17.48
COMISIONES
Otras
55,468.1
11,321.1
872.3
43,274.7
21,992.7
9,471.8
872.3
11,648.6
33,475.4
1,849.3
0.0
31,626.0
63,133.0
12,922.2
1,183.0
49,027.8
23,941.7
10,638.0
1,183.0
12,120.7
39,191.2
2,284.2
0.0
36,907.0
13.82
14.14
35.63
13.29
3,029.5
3,029.5
3,759.6
3,759.6
17,058.6
16,594.7
21,872.0
21,853.6
335,919.8
335,919.8
390,607.0
390,607.0
16.28
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
160,281.3
1,438.5
0.0
1,438.5
158,842.8
125,483.9
33,358.8
160,281.3
1,438.5
0.0
1,438.5
158,842.8
125,483.9
33,358.8
171,727.2
2,079.2
0.0
2,079.2
169,648.0
137,417.7
32,230.2
171,727.2
2,079.2
0.0
2,079.2
169,648.0
137,417.7
32,230.2
7.14
44.54
N/A
44.54
6.80
9.51
‐3.38
64,749.1
14,718.2
38,659.2
11,371.8
64,749.1
14,718.2
38,659.2
11,371.8
99,500.6
17,828.6
70,168.1
11,503.9
99,500.6
17,828.6
70,168.1
11,503.9
53.67
21.13
81.50
1.16
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
110,889.4
4,148.8
17,195.0
15,089.4
74,456.2
110,889.4
4,148.8
17,195.0
15,089.4
74,456.2
119,379.3
5,320.0
15,084.3
15,938.3
83,036.8
119,379.3
5,320.0
15,084.3
15,938.3
83,036.8
7.66
28.23
‐12.28
5.63
11.52
165,005.0
120,368.5
172,052.8
107,049.4
3,775.0
3,775.0
5,792.0
5,792.0
768.6
768.6
0.0
0.0
548.1
548.1
575.9
575.9
79.1
79.1
1.4
1.4
‐98.23
55,693.9
55,693.9
63,955.7
63,955.7
14.83
112,786.4
112,786.4
114,463.5
114,463.5
1.49
COMISIONES
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
463.9
44,636.5
24.10
18.4
65,003.4
28.22
4.27
53.43
‐100.00
5.07
BANTRAB: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
162,855.6
160,130.9
2,724.6
102,656.4
101,924.2
732.2
‐36.96
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
162,548.2
4.2
1,687.0
160,838.8
27,383.9
90,282.6
77.8
43,094.5
18.2
159,856.1
0.0
1,565.5
158,290.6
25,557.3
89,936.1
9.3
42,787.9
0.0
2,692.1
4.2
121.5
2,548.2
1,826.6
346.5
68.5
306.6
18.2
102,569.3
31.1
5,293.6
97,229.5
9,548.3
65,105.5
0.0
22,575.8
15.1
101,838.7
27.8
4,888.7
96,922.2
9,250.2
65,099.9
0.0
22,572.1
0.0
730.6
3.4
404.9
307.3
298.0
5.6
0.0
3.7
15.1
‐36.90
649.55
213.79
‐39.55
‐65.13
‐27.89
‐100.00
‐47.61
‐17.24
31.1
0.0
31.1
0.0
0.0
0.0
‐100.00
274.8
274.8
0.0
85.5
85.5
0.0
‐68.90
1.4
0.0
1.4
1.7
0.0
1.7
15.80
GASTOS FINANCIEROS
74,108.5
72,036.4
2,072.1
40,469.9
39,063.8
1,406.1
‐45.39
INTERESES
Otras Obligaciones
74,107.8
477.3
10,898.3
35,688.1
27,044.1
72,036.4
477.3
10,381.6
34,133.4
27,044.1
2,071.4
0.0
516.6
1,554.8
0.0
40,469.9
514.2
9,019.3
16,869.8
14,066.6
39,063.8
514.2
8,586.6
15,896.3
14,066.6
1,406.1
0.0
432.7
973.5
0.0
‐45.39
7.73
‐17.24
‐52.73
‐47.99
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.7
0.0
0.7
0.0
0.0
0.0
‐99.89
88,747.1
88,094.6
652.5
62,186.5
62,860.4
‐673.9
‐29.93
3,252.1
2,234.8
1,017.3
2,824.1
2,219.8
604.3
‐13.16
COMISIONES
Otras
2,349.2
669.8
16.6
1,662.8
1,346.9
546.2
16.6
784.1
1,002.3
123.5
0.0
878.7
1,771.5
607.5
37.3
1,126.7
1,195.6
504.3
37.3
654.0
575.9
103.2
0.0
472.7
‐24.59
‐9.29
124.40
‐32.24
29.7
29.7
64.3
64.3
873.3
858.2
988.2
959.8
80,009.0
80,009.0
57,918.5
57,918.5
‐27.61
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
43,851.4
3,015.1
0.0
3,015.1
40,836.3
28,760.5
12,075.9
43,851.4
3,015.1
0.0
3,015.1
40,836.3
28,760.5
12,075.9
31,286.9
1,270.8
0.0
1,270.8
30,016.2
23,543.6
6,472.5
31,286.9
1,270.8
0.0
1,270.8
30,016.2
23,543.6
6,472.5
‐28.65
‐57.85
N/A
‐57.85
‐26.50
‐18.14
‐46.40
Muebles e Inmuebles
Otros
10,852.8
4,543.4
320.1
5,989.3
10,852.8
4,543.4
320.1
5,989.3
9,143.9
4,022.3
324.5
4,797.2
9,143.9
4,022.3
324.5
4,797.2
‐15.75
‐11.47
1.36
‐19.90
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
25,304.8
924.8
2,512.5
2,807.9
19,059.5
25,304.8
924.8
2,512.5
2,807.9
19,059.5
17,487.6
1,060.1
2,633.6
1,288.2
12,505.7
17,487.6
1,060.1
2,633.6
1,288.2
12,505.7
‐30.89
14.63
4.82
‐54.12
‐34.39
11,990.3
10,320.4
7,092.1
7,161.7
4,074.6
4,074.6
1,421.4
1,421.4
‐65.12
2,914.8
2,914.8
388.0
388.0
‐86.69
8,987.6
8,987.6
7,529.4
7,529.4
‐16.22
3,299.1
3,299.1
3,051.1
3,051.1
‐7.52
6,816.3
6,816.3
5,292.4
5,292.4
‐22.36
12,022.2
12,022.2
7,311.3
7,311.3
‐39.18
COMISIONES
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
15.0
1,669.8
116.50
28.4
‐69.6
13.16
‐40.85
BANCON: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
169,641.3
149,841.0
19,800.3
191,573.0
166,004.8
25,568.2
12.93
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
131,027.2
0.0
4,898.4
125,952.6
55,512.6
19,977.7
7,285.7
43,176.6
176.2
114,085.3
0.0
4,687.0
109,222.1
47,776.3
18,852.9
5,539.5
37,053.4
176.2
16,941.9
0.0
211.4
16,730.5
7,736.3
1,124.8
1,746.2
6,123.2
0.0
155,879.2
0.0
7,349.4
148,385.9
73,511.2
23,740.3
4,674.7
46,459.7
143.9
132,647.6
0.0
7,253.0
125,250.7
63,500.1
19,605.0
3,249.8
38,895.8
143.9
23,231.6
0.0
96.4
23,135.2
10,011.1
4,135.3
1,424.9
7,563.9
0.0
18.97
N/A
50.04
17.81
32.42
18.83
‐35.84
7.60
‐18.32
19,157.4
19,157.4
0.0
19,078.8
19,078.8
0.0
‐0.41
COMISIONES
19,456.7
16,598.3
2,858.4
16,615.0
14,278.3
2,336.6
‐14.61
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
63,878.1
56,436.5
7,441.6
61,855.8
56,588.1
5,267.7
‐3.17
INTERESES
Otras Obligaciones
63,750.2
876.1
7,585.3
31,457.9
23,830.8
56,434.5
824.7
6,795.1
25,815.5
22,999.2
7,315.7
51.4
790.3
5,642.4
831.6
61,708.6
1,334.1
8,539.4
25,345.5
26,489.6
56,558.1
1,271.1
7,674.9
21,998.3
25,613.7
5,150.6
63.0
864.5
3,347.2
875.8
‐3.20
52.28
12.58
‐19.43
11.16
125.3
2.0
123.3
142.9
30.0
112.9
14.00
2.5
0.0
2.5
4.2
0.0
4.2
68.25
105,763.2
93,404.5
12,358.7
129,717.2
109,416.7
20,300.5
22.65
17,349.8
10,555.0
6,794.7
20,176.6
11,415.6
8,761.0
16.29
COMISIONES
Otras
10,252.3
392.5
306.9
9,552.9
3,457.6
388.7
306.9
2,762.0
6,794.7
3.8
0.0
6,790.9
13,663.2
403.6
307.3
12,952.3
4,902.2
403.1
307.3
4,191.8
8,761.0
0.5
0.0
8,760.5
33.27
2.83
0.13
35.58
307.3
307.3
380.3
380.3
6,790.2
6,790.2
6,133.1
6,133.1
87,005.0
87,005.0
107,329.8
107,329.8
23.36
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
37,671.4
128.6
0.0
128.6
37,542.8
21,372.1
16,170.7
37,671.4
128.6
0.0
128.6
37,542.8
21,372.1
16,170.7
45,281.5
192.9
0.0
192.9
45,088.6
25,081.9
20,006.7
45,281.5
192.9
0.0
192.9
45,088.6
25,081.9
20,006.7
20.20
50.01
N/A
50.01
20.10
17.36
23.72
8,459.2
3,432.3
3,000.0
2,026.9
8,459.2
3,432.3
3,000.0
2,026.9
13,759.8
3,929.5
9,000.0
830.2
13,759.8
3,929.5
9,000.0
830.2
62.66
14.49
200.00
‐59.04
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
40,874.4
1,176.0
5,316.5
3,009.0
31,372.9
40,874.4
1,176.0
5,316.5
3,009.0
31,372.9
48,288.6
1,227.8
5,878.4
3,284.6
37,897.8
48,288.6
1,227.8
5,878.4
3,284.6
37,897.8
18.14
4.41
10.57
9.16
20.80
36,108.0
16,954.6
42,563.9
13,502.4
0.0
0.0
62.0
62.0
2,100.0
2,100.0
2,570.0
2,570.0
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
4,615.2
4,615.2
7,242.0
7,242.0
56.92
29,392.8
29,392.8
32,813.9
32,813.9
11.64
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
0.0
19,153.4
23.77
0.0
29,061.5
‐9.68
17.88
N/A
22.38
FICENSA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
166,979.4
138,682.1
28,297.3
144,222.6
108,276.8
35,945.8
‐13.63
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
154,141.8
6.6
5,451.4
132,219.3
35,147.3
36,300.9
0.0
60,771.1
16,464.4
125,856.1
6.6
5,372.3
120,254.8
35,147.3
36,300.9
0.0
48,806.6
222.3
28,285.7
0.0
79.1
11,964.5
0.0
0.0
0.0
11,964.5
16,242.1
142,036.7
2.1
7,349.6
114,355.8
24,791.3
40,394.0
0.0
49,170.6
20,329.1
106,106.5
2.1
7,216.8
98,709.5
24,791.3
40,394.0
0.0
33,524.3
178.1
35,930.2
0.0
132.9
15,646.3
0.0
0.0
0.0
15,646.3
20,151.1
‐7.85
‐68.33
34.82
‐13.51
‐29.46
11.28
N/A
‐19.09
23.47
11,464.9
11,463.8
1.0
1,482.1
1,480.7
1.4
‐87.07
1,371.8
1,362.2
9.6
702.8
689.6
13.2
‐48.77
1.0
0.0
1.0
1.1
0.0
1.1
0.37
GASTOS FINANCIEROS
91,000.5
70,837.3
20,163.2
75,212.1
52,918.2
22,293.9
‐17.35
INTERESES
Otras Obligaciones
83,998.9
1,390.5
8,295.8
37,979.2
36,333.5
66,551.9
1,269.4
4,976.3
32,248.5
28,057.7
17,447.0
121.1
3,319.5
5,730.6
8,275.8
67,472.8
735.4
8,679.5
27,298.7
30,759.2
47,895.1
735.4
5,737.6
20,830.2
20,591.9
19,577.7
0.0
2,941.9
6,468.5
10,167.3
‐19.67
‐47.11
4.63
‐28.12
‐15.34
33.3
33.3
0.0
509.7
509.7
0.0
6,968.3
4,252.1
2,716.2
7,229.6
4,513.4
2,716.2
3.75
75,978.9
67,844.8
8,134.1
69,010.5
55,358.6
13,651.9
‐9.17
13,384.4
6,719.3
6,665.1
14,937.2
8,509.6
6,427.6
11.60
COMISIONES
Otras
11,344.0
1,961.2
678.9
8,704.0
4,705.3
661.8
678.9
3,364.5
6,638.8
1,299.3
0.0
5,339.5
12,755.8
1,660.6
277.8
10,817.4
6,454.0
795.4
277.8
5,380.8
6,301.8
865.2
0.0
5,436.6
12.45
‐15.32
‐59.08
24.28
1,397.4
1,397.4
1,513.0
1,513.0
643.0
616.7
668.4
542.6
55,709.6
55,709.6
56,418.4
56,418.4
1.27
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
27,739.0
1,712.1
360.0
1,352.1
26,026.9
17,430.2
8,596.7
27,739.0
1,712.1
360.0
1,352.1
26,026.9
17,430.2
8,596.7
28,966.7
1,930.7
400.0
1,530.7
27,036.1
18,388.7
8,647.4
28,966.7
1,930.7
400.0
1,530.7
27,036.1
18,388.7
8,647.4
4.43
12.76
11.11
13.20
3.88
5.50
0.59
7,446.3
1,925.0
5,198.9
322.5
7,446.3
1,925.0
5,198.9
322.5
5,153.4
1,889.0
3,000.0
264.4
5,153.4
1,889.0
3,000.0
264.4
‐30.79
‐1.87
‐42.30
‐18.01
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
20,524.2
646.9
5,108.7
2,697.0
12,071.6
20,524.2
646.9
5,108.7
2,697.0
12,071.6
22,298.3
697.1
5,272.7
2,624.8
13,703.7
22,298.3
697.1
5,272.7
2,624.8
13,703.7
8.64
7.76
3.21
‐2.68
13.52
33,653.7
18,854.5
27,529.3
7,449.8
0.0
0.0
0.0
0.0
N/A
0.0
0.0
1.8
1.8
N/A
2,198.9
2,198.9
0.0
0.0
‐100.00
0.0
0.0
0.0
0.0
N/A
7,626.7
7,626.7
9,411.5
9,411.5
23.40
28,226.0
28,226.0
18,116.0
18,116.0
‐35.82
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
26.3
14,799.3
1,432.88
8.27
125.8
20,079.5
3.94
‐18.20
BANHCAFE: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
85,620.0
82,001.6
3,618.4
86,997.3
82,368.4
4,628.9
1.61
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
83,015.9
0.0
12,398.8
69,713.6
36,040.9
12,929.1
0.0
20,743.7
903.5
79,397.5
0.0
12,039.4
66,454.6
36,040.9
10,462.6
0.0
19,951.1
903.5
3,618.4
0.0
359.4
3,259.0
0.0
2,466.4
0.0
792.6
0.0
85,211.2
0.0
15,931.0
67,555.9
32,928.5
11,070.9
0.0
23,556.5
1,724.2
80,582.3
0.0
15,565.1
63,293.0
32,928.5
10,948.3
0.0
19,416.1
1,724.2
4,628.9
0.0
365.9
4,263.0
0.0
122.6
0.0
4,140.4
0.0
2.64
N/A
28.49
‐3.10
‐8.64
‐14.37
N/A
13.56
90.84
382.2
382.2
0.0
0.0
0.0
0.0
‐100.00
2,221.9
2,221.9
0.0
1,786.1
1,786.1
0.0
‐19.61
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
24,025.1
23,515.7
509.4
25,435.3
24,882.1
553.2
5.87
INTERESES
Otras Obligaciones
24,025.1
656.9
11,513.9
2,974.4
8,880.0
23,515.7
632.2
11,223.0
2,780.5
8,880.0
509.4
24.7
290.8
193.9
0.0
25,435.3
976.2
12,915.6
2,788.3
8,755.1
24,882.1
967.3
12,618.6
2,541.1
8,755.1
553.2
8.9
297.1
247.2
0.0
5.87
48.61
12.17
‐6.26
‐1.41
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
61,594.9
58,485.9
3,109.0
61,562.0
57,486.3
4,075.7
‐0.05
14,532.4
12,771.0
1,761.4
19,008.8
15,392.2
3,616.6
30.80
COMISIONES
Otras
10,561.3
1,324.5
0.0
9,236.8
8,851.3
1,324.2
0.0
7,527.2
1,710.0
0.3
0.0
1,709.6
15,451.9
1,338.2
0.0
14,113.7
11,863.2
1,335.5
0.0
10,527.7
3,588.8
2.8
0.0
3,586.0
46.31
1.04
‐100.00
52.80
0.0
0.0
0.0
0.0
3,971.1
3,919.7
3,556.9
3,529.1
63,298.7
63,298.7
64,566.2
64,566.2
2.00
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
35,072.5
4,066.5
0.0
4,066.5
31,005.9
20,968.4
10,037.5
35,072.5
4,066.5
0.0
4,066.5
31,005.9
20,968.4
10,037.5
34,885.5
4,756.5
0.0
4,756.5
30,129.0
20,912.7
9,216.3
34,885.5
4,756.5
0.0
4,756.5
30,129.0
20,912.7
9,216.3
‐0.53
16.97
N/A
16.97
‐2.83
‐0.27
‐8.18
4,912.0
2,013.9
2,258.4
639.7
4,912.0
2,013.9
2,258.4
639.7
5,123.9
2,299.3
1,891.7
932.9
5,123.9
2,299.3
1,891.7
932.9
4.31
14.17
‐16.24
45.84
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
23,314.3
765.6
4,136.1
2,909.6
15,502.9
23,314.3
765.6
4,136.1
2,909.6
15,502.9
24,556.9
649.2
4,284.0
3,582.5
16,041.2
24,556.9
649.2
4,284.0
3,582.5
16,041.2
5.33
‐15.20
3.57
23.13
3.47
12,828.5
7,958.2
16,004.6
8,312.3
1,587.6
1,587.6
1,725.3
1,725.3
8.67
0.0
0.0
0.0
0.0
N/A
2,980.7
2,980.7
1,631.0
1,631.0
0.0
0.0
0.0
0.0
5,024.2
5,024.2
5,881.4
5,881.4
17.06
12,372.6
12,372.6
13,479.5
13,479.5
8.95
COMISIONES
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
51.4
4,870.4
N/A
27.8
7,692.3
‐10.43
24.76
‐45.28
N/A
BANPAIS: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
490,989.1
393,529.2
97,459.9
516,365.2
411,320.9
105,044.3
5.17
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
464,351.6
247.3
22,431.3
438,838.1
90,079.5
61,876.3
197,539.5
89,342.8
2,835.0
373,775.5
153.6
21,415.8
351,861.1
79,261.1
53,606.5
134,823.8
84,169.6
345.0
90,576.1
93.7
1,015.5
86,977.0
10,818.4
8,269.7
62,715.7
5,173.2
2,489.9
479,503.9
481.9
33,440.3
444,646.2
97,048.1
53,127.9
202,140.5
92,329.7
935.4
381,268.4
465.9
31,835.5
348,037.7
79,199.8
43,804.8
138,955.8
86,077.3
929.4
98,235.5
16.1
1,604.9
96,608.5
17,848.3
9,323.1
63,184.7
6,252.4
6.1
3.26
94.89
49.08
1.32
7.74
‐14.14
2.33
3.34
‐67.00
558.3
38.0
520.3
6,259.2
6,237.2
22.0
26,013.8
19,715.7
6,298.1
30,548.2
23,815.3
6,732.9
17.43
65.4
0.0
65.4
53.9
0.0
53.9
‐17.56
GASTOS FINANCIEROS
221,019.7
173,785.4
47,234.3
198,792.9
162,202.6
36,590.3
‐10.06
INTERESES
Otras Obligaciones
220,801.2
6,961.1
32,101.0
129,881.9
51,857.3
173,774.6
4,936.2
27,888.9
100,516.9
40,432.6
47,026.6
2,024.8
4,212.1
29,365.0
11,424.7
198,703.9
5,630.4
32,954.2
107,035.5
53,083.9
162,191.2
4,179.2
28,994.9
87,037.9
41,979.1
36,512.8
1,451.2
3,959.2
19,997.6
11,104.8
‐10.01
‐19.12
2.66
‐17.59
2.37
81.6
10.8
70.9
82.3
11.4
70.9
0.77
136.8
0.0
136.8
6.7
0.0
6.7
‐95.09
269,969.3
219,743.8
50,225.5
317,572.3
249,118.3
68,454.0
17.63
47,891.7
18,554.4
29,337.4
56,849.7
22,510.2
34,339.5
18.70
COMISIONES
Otras
37,331.4
4,296.7
272.2
32,762.5
8,243.6
795.7
272.2
7,175.7
29,087.8
3,500.9
0.0
25,586.8
43,426.4
4,953.7
869.0
37,603.7
10,355.1
967.8
869.0
8,518.3
33,071.3
3,985.9
0.0
29,085.4
16.33
15.29
219.23
14.78
153.8
153.8
353.1
353.1
10,406.5
10,156.9
13,070.2
11,802.0
206,228.2
206,228.2
239,247.2
239,247.2
16.01
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
86,502.2
1,060.0
0.0
1,060.0
85,442.1
67,946.3
17,495.8
86,502.2
1,060.0
0.0
1,060.0
85,442.1
67,946.3
17,495.8
102,892.1
1,301.6
0.0
1,301.6
101,590.5
79,009.1
22,581.4
102,892.1
1,301.6
0.0
1,301.6
101,590.5
79,009.1
22,581.4
18.95
22.79
N/A
22.79
18.90
16.28
29.07
Muebles e Inmuebles
Otros
33,450.2
11,025.0
21,000.0
1,425.2
33,450.2
11,025.0
21,000.0
1,425.2
40,380.5
13,365.4
20,000.0
7,015.1
40,380.5
13,365.4
20,000.0
7,015.1
20.72
21.23
‐4.76
392.22
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
86,275.8
2,330.3
13,666.4
10,429.4
59,849.6
86,275.8
2,330.3
13,666.4
10,429.4
59,849.6
95,974.6
5,267.8
15,460.8
12,629.2
62,616.8
95,974.6
5,267.8
15,460.8
12,629.2
62,616.8
11.24
126.05
13.13
21.09
4.62
111,632.9
32,070.0
135,174.8
32,381.3
2,949.8
2,949.8
867.4
867.4
‐70.59
1,657.6
1,657.6
54.2
54.2
‐96.73
5,652.6
5,652.6
6,348.3
6,348.3
12.31
370.8
370.8
0.0
0.0
31,035.3
31,035.3
49,097.6
49,097.6
58.20
87,171.6
87,171.6
93,238.7
93,238.7
6.96
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
249.6
79,562.9
1,021.14
129.55
1,268.2
102,793.4
25.60
21.09
‐100.00
FICOHSA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
700,845.5
549,124.8
151,720.7
728,720.7
546,993.9
181,726.8
3.98
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
674,422.9
0.0
54,620.5
596,705.8
38,010.0
150,568.6
186,719.8
221,407.4
23,096.6
535,145.1
0.0
43,818.2
491,326.9
38,010.0
132,111.0
130,250.0
190,955.9
0.0
139,277.8
0.0
10,802.4
105,378.9
0.0
18,457.7
56,469.8
30,451.5
23,096.6
702,967.9
0.0
58,346.0
625,765.7
53,746.9
149,669.3
193,696.1
228,653.4
18,856.2
536,344.6
0.0
49,132.0
487,212.6
53,746.9
109,495.6
124,648.5
199,321.6
0.0
166,623.3
0.0
9,214.0
138,553.1
0.0
40,173.7
69,047.6
29,331.9
18,856.2
4.23
N/A
6.82
4.87
41.40
‐0.60
3.74
3.27
‐18.36
732.9
732.9
0.0
632.4
632.4
0.0
‐13.71
25,160.5
13,246.9
11,913.6
23,506.6
10,017.0
13,489.6
‐6.57
529.2
0.0
529.2
1,613.8
0.0
1,613.8
204.94
GASTOS FINANCIEROS
303,251.0
215,180.8
88,070.2
259,943.4
178,980.2
80,963.2
‐14.28
INTERESES
Otras Obligaciones
300,708.1
7,324.3
37,952.9
167,192.5
88,238.5
215,177.0
5,555.3
29,056.5
129,542.0
51,023.3
85,531.1
1,769.0
8,896.4
37,650.6
37,215.2
255,943.2
8,484.3
33,420.3
122,432.0
91,606.6
178,970.8
5,702.8
24,007.2
97,289.2
51,971.6
76,972.4
2,781.5
9,413.1
25,142.9
39,634.9
‐14.89
15.84
‐11.94
‐26.77
3.82
2,542.9
3.8
2,539.1
4,000.2
9.4
3,990.7
57.31
0.0
0.0
0.0
0.0
0.0
0.0
397,594.5
333,944.0
63,650.5
468,777.3
368,013.7
100,763.6
17.90
127,266.3
80,909.9
46,356.3
154,660.7
104,190.4
50,470.3
21.53
81,964.3
14,145.9
14,064.3
53,754.1
37,653.9
2,922.4
14,064.3
20,667.2
44,310.4
11,223.5
0.0
33,086.9
96,124.2
16,046.0
15,556.5
64,521.6
48,314.7
3,620.8
15,556.5
29,137.4
47,809.5
12,425.2
0.0
35,384.3
17.28
13.43
10.61
20.03
1,846.7
1,846.7
1,870.2
1,870.2
43,455.3
41,409.3
56,666.3
54,005.5
367,925.2
367,925.2
436,989.7
436,989.7
18.77
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
107,094.6
4,332.0
0.0
4,332.0
102,762.6
83,048.4
19,714.2
107,094.6
4,332.0
0.0
4,332.0
102,762.6
83,048.4
19,714.2
123,955.6
3,435.5
0.0
3,435.5
120,520.1
94,323.4
26,196.7
123,955.6
3,435.5
0.0
3,435.5
120,520.1
94,323.4
26,196.7
15.74
‐20.69
N/A
‐20.69
17.28
13.58
32.88
Muebles e Inmuebles
Otros
116,686.9
15,157.5
76,100.0
25,429.4
116,686.9
15,157.5
76,100.0
25,429.4
132,801.1
14,535.1
85,393.0
32,873.0
132,801.1
14,535.1
85,393.0
32,873.0
13.81
‐4.11
12.21
29.27
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
144,143.8
2,423.3
30,095.8
9,163.9
102,460.8
144,143.8
2,423.3
30,095.8
9,163.9
102,460.8
180,233.1
2,886.8
29,872.8
9,138.5
138,334.9
180,233.1
2,886.8
29,872.8
9,138.5
138,334.9
25.04
19.13
‐0.74
‐0.28
35.01
156,935.5
46,928.7
186,448.3
35,214.4
2,576.0
2,576.0
5,102.9
5,102.9
98.10
3,410.8
3,410.8
4,334.6
4,334.6
27.08
564.6
564.6
546.1
546.1
‐3.28
2,427.6
2,427.6
156.0
156.0
‐93.58
47,385.5
47,385.5
66,791.5
66,791.5
40.95
106,852.1
106,852.1
120,815.3
120,815.3
13.07
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
COMISIONES
Otras
ARRENDAMIENTOS
OTROS
2,046.0
110,006.8
N/A
1.27
2,660.8
151,233.9
30.40
18.81
LAFISE: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
154,166.7
121,817.4
32,349.3
178,524.1
143,278.0
35,246.1
15.80
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
140,637.4
0.0
4,531.2
128,662.5
81,885.4
15,488.7
0.0
31,288.4
7,443.6
112,332.6
0.0
4,343.9
105,120.6
71,427.4
9,624.7
0.0
24,068.5
2,868.2
28,304.7
0.0
187.3
23,542.0
10,458.0
5,864.0
0.0
7,219.9
4,575.4
165,017.0
0.0
12,422.3
142,573.2
91,361.9
18,450.9
0.0
32,760.4
10,021.6
131,031.4
0.0
11,681.3
114,742.0
80,926.3
11,170.0
0.0
22,645.7
4,608.1
33,985.6
0.0
741.0
27,831.2
10,435.6
7,280.9
0.0
10,114.7
5,413.5
17.34
N/A
174.15
10.81
11.57
19.13
N/A
4.70
34.63
0.0
0.0
0.0
0.0
0.0
0.0
N/A
12,167.6
9,484.8
2,682.9
12,992.5
12,246.6
745.9
6.78
1,361.7
0.0
1,361.7
514.5
0.0
514.5
‐62.22
GASTOS FINANCIEROS
79,138.0
64,071.3
15,066.7
94,547.3
78,199.8
16,347.5
19.47
INTERESES
Otras Obligaciones
75,975.9
2,057.0
6,983.4
38,936.0
27,999.4
62,049.6
1,197.9
5,839.3
30,179.6
24,832.7
13,926.3
859.1
1,144.1
8,756.4
3,166.7
90,956.7
2,270.1
7,372.1
49,144.2
32,170.3
74,849.1
1,234.6
6,178.9
40,687.3
26,748.3
16,107.6
1,035.5
1,193.2
8,457.0
5,422.0
19.72
10.36
5.57
26.22
14.90
COMISIONES
2,021.6
2,021.6
0.0
3,356.8
3,350.7
6.0
66.04
OTROS GASTOS
1,140.5
0.0
1,140.5
233.8
0.0
233.8
‐79.50
75,028.7
57,746.1
17,282.5
83,976.8
65,078.2
18,898.6
11.93
18,962.3
7,510.9
11,451.5
27,927.0
9,304.8
18,622.1
47.28
COMISIONES
Otras
15,728.9
1,665.4
442.2
13,621.3
4,333.3
147.6
442.2
3,743.6
11,395.6
1,517.8
0.0
9,877.8
24,455.8
2,003.9
155.9
22,296.0
5,888.8
65.2
155.9
5,667.8
18,566.9
1,938.7
0.0
16,628.3
55.48
20.32
‐64.74
63.68
0.0
0.0
0.0
0.0
3,233.4
3,177.5
3,471.2
3,416.0
74,343.8
74,343.8
93,791.5
93,791.5
26.16
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
26,666.2
681.4
0.0
681.4
25,984.8
20,261.2
5,723.6
26,666.2
681.4
0.0
681.4
25,984.8
20,261.2
5,723.6
34,016.8
980.5
0.0
980.5
33,036.3
23,490.3
9,546.0
34,016.8
980.5
0.0
980.5
33,036.3
23,490.3
9,546.0
27.57
43.90
N/A
43.90
27.14
15.94
66.78
Muebles e Inmuebles
Otros
11,930.5
3,839.6
5,900.0
2,190.9
11,930.5
3,839.6
5,900.0
2,190.9
17,281.1
3,637.5
11,637.1
2,006.5
17,281.1
3,637.5
11,637.1
2,006.5
44.85
‐5.26
97.24
‐8.42
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
35,747.1
1,422.9
4,551.8
1,922.4
27,850.0
35,747.1
1,422.9
4,551.8
1,922.4
27,850.0
42,493.6
1,486.2
4,844.9
2,186.5
33,976.1
42,493.6
1,486.2
4,844.9
2,186.5
33,976.1
18.87
4.45
6.44
13.74
22.00
19,647.2
‐9,086.7
18,112.3
‐19,408.4
3,424.1
3,424.1
11,342.4
11,342.4
0.0
0.0
0.0
0.0
970.3
970.3
856.0
856.0
‐11.77
0.6
0.6
0.0
0.0
‐100.00
7,162.5
7,162.5
10,288.2
10,288.2
43.64
16,878.5
16,878.5
20,022.6
20,022.6
18.63
COMISIONES
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
55.9
28,734.0
N/A
55.2
37,520.7
7.35
‐7.81
231.25
N/A
HSBC: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
427,599.6
387,931.9
39,667.8
422,646.9
377,605.0
45,041.9
‐1.16
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
410,704.3
0.0
25,343.5
346,895.8
181,849.4
110,303.3
4,690.9
50,052.2
38,465.0
371,080.4
0.0
24,631.4
342,142.8
181,200.5
109,430.9
4,690.9
46,820.5
4,306.2
39,623.9
0.0
712.1
4,753.0
648.9
872.4
0.0
3,231.7
34,158.8
397,038.3
0.0
52,360.5
300,546.3
177,805.7
77,760.2
7,515.8
37,464.6
44,131.6
352,399.5
0.0
52,016.4
297,099.7
177,419.5
77,153.3
7,515.8
35,011.1
3,283.3
44,638.8
0.0
344.1
3,446.5
386.2
606.9
0.0
2,453.5
40,848.2
‐3.33
N/A
106.60
‐13.36
‐2.22
‐29.50
60.22
‐25.15
14.73
0.0
0.0
0.0
0.9
0.9
0.0
N/A
16,865.7
16,851.5
14.2
25,204.6
25,204.6
0.0
49.44
29.7
0.0
29.7
403.1
0.0
403.1
GASTOS FINANCIEROS
157,336.6
146,821.1
10,515.5
152,735.1
145,397.5
7,337.6
‐2.92
INTERESES
Otras Obligaciones
151,988.8
2,356.9
37,222.4
72,397.5
40,011.9
142,393.5
2,298.0
33,556.0
69,836.1
36,703.5
9,595.2
58.9
3,666.5
2,561.4
3,308.5
147,698.8
7,339.6
37,933.0
61,503.5
40,922.8
141,111.6
6,842.5
35,622.1
60,024.0
38,623.0
6,587.2
497.1
2,310.9
1,479.5
2,299.8
‐2.82
211.40
1.91
‐15.05
2.28
COMISIONES
1,397.6
477.3
920.2
1,308.2
557.8
750.3
‐6.40
OTROS GASTOS
3,950.2
3,950.2
0.0
3,728.1
3,728.0
0.0
‐5.62
270,263.0
241,110.8
29,152.3
269,911.8
232,207.5
37,704.3
‐0.13
38,046.4
23,930.5
14,115.9
41,634.1
23,389.8
18,244.3
9.43
COMISIONES
Otras
28,449.0
9,310.6
489.2
18,649.2
14,333.1
5,661.5
489.2
8,182.3
14,115.9
3,649.1
0.0
10,466.8
33,782.0
9,329.5
390.9
24,061.5
15,537.6
6,227.8
390.9
8,918.9
18,244.3
3,101.7
0.0
15,142.7
18.75
0.20
‐20.10
29.02
0.0
0.0
0.0
0.0
9,597.4
9,597.4
7,852.1
7,852.1
363,274.3
363,274.3
326,505.5
326,505.5
‐10.12
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
93,937.8
57.1
0.0
57.1
93,880.8
42,047.1
51,833.7
93,937.8
57.1
0.0
57.1
93,880.8
42,047.1
51,833.7
95,390.5
114.2
0.0
114.2
95,276.3
45,795.4
49,481.0
95,390.5
114.2
0.0
114.2
95,276.3
45,795.4
49,481.0
1.55
100.00
N/A
100.00
1.49
8.91
‐4.54
Muebles e Inmuebles
Otros
100,817.7
15,465.2
77,119.3
8,233.3
100,817.7
15,465.2
77,119.3
8,233.3
62,779.3
14,315.1
40,060.5
8,403.8
62,779.3
14,315.1
40,060.5
8,403.8
‐37.73
‐7.44
‐48.05
2.07
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
168,518.8
6,839.6
9,655.5
15,489.3
136,534.3
168,518.8
6,839.6
9,655.5
15,489.3
136,534.3
168,335.7
6,834.0
10,836.2
20,026.1
130,639.4
168,335.7
6,834.0
10,836.2
20,026.1
130,639.4
‐0.11
‐0.08
12.23
29.29
‐4.32
‐54,964.9
‐98,233.1
‐14,959.6
‐70,908.2
74,464.9
74,464.9
22,486.7
22,486.7
‐69.80
22,342.0
22,342.0
7,833.3
7,833.3
‐64.94
6,278.7
6,278.7
10,713.7
10,713.7
70.64
0.0
0.0
0.0
0.0
7,408.4
7,408.4
3,094.2
3,094.2
‐58.23
‐3,971.7
‐3,971.7
7,313.3
7,313.3
‐284.14
COMISIONES
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
0.0
43,268.2
1,257.18
N/A
0.0
55,948.6
‐18.18
‐72.78
N/A
PROMERICA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
181,184.7
158,448.4
22,736.2
186,103.5
159,015.4
27,088.1
2.71
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
162,460.4
0.0
4,628.8
157,827.6
39,197.8
5,277.1
0.0
113,352.6
4.0
143,202.9
0.0
3,805.5
139,393.6
32,919.0
3,799.1
0.0
102,675.5
3.8
19,257.5
0.0
823.3
18,434.0
6,278.8
1,478.0
0.0
10,677.2
0.1
164,132.2
0.0
5,205.4
158,914.8
37,122.5
3,581.8
0.0
118,210.6
11.9
142,007.5
0.0
4,305.3
137,690.6
28,513.4
1,904.5
0.0
107,272.7
11.6
22,124.7
0.0
900.2
21,224.3
8,609.1
1,677.3
0.0
10,937.9
0.3
1.03
N/A
12.46
0.69
‐5.29
‐32.13
N/A
4.29
200.03
0.0
0.0
0.0
14.2
14.2
0.0
18,660.0
15,245.5
3,414.5
21,923.7
16,993.7
4,930.0
17.49
64.3
0.0
64.3
33.4
0.0
33.4
‐48.06
GASTOS FINANCIEROS
72,789.8
62,236.1
10,553.7
60,865.8
52,910.3
7,955.5
‐16.38
INTERESES
Otras Obligaciones
71,519.4
380.7
4,403.4
59,926.5
6,808.8
60,965.8
380.5
3,606.3
51,669.8
5,309.2
10,553.7
0.2
797.1
8,256.7
1,499.6
59,266.9
484.5
5,210.1
46,110.5
7,461.8
51,369.5
483.6
4,725.4
39,825.7
6,334.8
7,897.4
0.9
484.7
6,284.8
1,127.0
‐17.13
27.25
18.32
‐23.05
9.59
1,270.4
1,270.4
0.0
1,598.9
1,540.8
58.1
25.86
0.0
0.0
0.0
0.0
0.0
0.0
N/A
108,394.9
96,212.3
12,182.6
125,237.7
106,105.1
19,132.6
15.54
26,432.7
19,854.0
6,578.7
26,356.4
19,056.2
7,300.2
‐0.29
6,337.4
702.4
0.0
5,635.0
3,537.6
20.1
0.0
3,517.5
2,799.8
682.3
0.0
2,117.5
7,226.1
852.3
0.0
6,373.8
4,281.7
43.2
0.0
4,238.4
2,944.4
809.1
0.0
2,135.3
14.02
21.35
N/A
13.11
0.0
0.0
0.0
0.0
20,095.2
16,316.3
19,130.3
14,774.5
129,213.5
129,213.5
127,567.7
127,567.7
‐1.27
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
29,152.7
33.0
0.0
33.0
29,119.7
21,433.1
7,686.6
29,152.7
33.0
0.0
33.0
29,119.7
21,433.1
7,686.6
33,215.5
111.1
0.0
111.1
33,104.4
23,374.6
9,729.9
33,215.5
111.1
0.0
111.1
33,104.4
23,374.6
9,729.9
13.94
236.94
N/A
236.94
13.68
9.06
26.58
Muebles e Inmuebles
Otros
54,148.6
2,917.8
49,984.4
1,246.4
54,148.6
2,917.8
49,984.4
1,246.4
40,577.5
3,114.4
34,100.0
3,363.2
40,577.5
3,114.4
34,100.0
3,363.2
‐25.06
6.74
‐31.78
169.84
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
45,912.3
619.1
4,490.8
1,607.8
39,194.5
45,912.3
619.1
4,490.8
1,607.8
39,194.5
53,774.6
699.3
4,574.7
1,902.2
46,598.3
53,774.6
699.3
4,574.7
1,902.2
46,598.3
17.12
12.96
1.87
18.31
18.89
5,614.0
‐13,147.3
24,026.4
‐2,406.4
1,120.7
1,120.7
1,831.2
1,831.2
0.0
0.0
11.2
11.2
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
43.7
43.7
N/A
1,553.3
1,553.3
8,950.2
8,950.2
476.20
5,181.4
5,181.4
16,852.6
16,852.6
225.25
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
COMISIONES
Otras
ARRENDAMIENTOS
OTROS
3,778.9
18,761.3
N/A
N/A
4,355.8
26,432.8
‐4.80
327.97
63.39
PROCREDIT: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
47,261.1
46,636.7
624.4
62,641.8
60,574.9
2,066.9
32.54
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
44,571.0
5.9
1,029.2
43,046.7
12,853.4
60.2
484.4
29,648.6
489.2
43,949.6
5.9
708.0
42,746.5
12,629.7
60.2
457.1
29,599.5
489.2
621.3
0.0
321.2
300.2
223.8
0.0
27.3
49.1
0.0
58,560.0
0.4
1,250.3
56,761.5
26,495.3
84.8
398.5
29,782.9
547.8
56,675.6
0.0
1,241.2
54,886.5
24,779.8
84.7
379.7
29,642.4
547.8
1,884.4
0.4
9.0
1,874.9
1,715.5
0.1
18.9
140.5
0.0
31.39
‐92.94
21.49
31.86
106.13
40.69
‐17.73
0.45
11.97
0.0
0.0
0.0
0.0
0.0
0.0
2,687.1
2,687.1
0.0
4,077.7
3,899.3
178.4
51.75
3.0
0.0
3.0
4.2
0.0
4.2
38.92
GASTOS FINANCIEROS
20,171.6
17,967.1
2,204.5
24,230.2
21,375.6
2,854.6
20.12
INTERESES
Otras Obligaciones
19,447.8
0.0
357.3
18,137.4
953.1
17,603.4
0.0
330.5
16,358.4
914.6
1,844.4
0.0
26.8
1,779.0
38.6
22,342.3
0.0
643.4
18,740.3
2,958.6
20,780.3
0.0
608.2
17,251.7
2,920.5
1,562.0
0.0
35.2
1,488.6
38.1
14.88
N/A
80.06
3.32
210.40
COMISIONES
456.9
363.7
93.2
1,852.2
595.2
1,256.9
305.41
OTROS GASTOS
266.9
0.0
266.9
35.7
0.0
35.7
‐86.61
27,089.5
28,669.7
‐1,580.2
38,411.6
39,199.3
‐787.7
41.80
974.5
524.2
450.3
1,257.1
665.5
591.6
29.00
COMISIONES
Otras
648.7
135.3
0.0
513.4
198.6
21.5
0.0
177.1
450.1
113.8
0.0
336.3
815.8
154.0
0.0
661.8
229.0
1.3
0.0
227.7
586.8
152.7
0.0
434.1
25.76
13.85
N/A
28.91
0.0
0.0
0.0
0.0
325.8
325.6
441.2
436.4
46,672.0
46,672.0
54,355.9
54,355.9
16.46
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
19,217.3
0.0
0.0
0.0
19,217.3
14,022.6
5,194.7
19,217.3
0.0
0.0
0.0
19,217.3
14,022.6
5,194.7
21,816.9
0.0
0.0
0.0
21,816.9
14,605.5
7,211.4
21,816.9
0.0
0.0
0.0
21,816.9
14,605.5
7,211.4
13.53
N/A
N/A
N/A
13.53
4.16
38.82
8,067.9
2,596.2
1,401.3
4,070.4
8,067.9
2,596.2
1,401.3
4,070.4
16,098.3
2,651.2
6,922.9
6,524.2
16,098.3
2,651.2
6,922.9
6,524.2
99.53
2.12
394.02
60.28
19,386.8
1,002.6
4,295.4
1,029.1
13,059.8
19,386.8
1,002.6
4,295.4
1,029.1
13,059.8
16,440.7
668.3
4,384.9
1,597.2
9,790.3
16,440.7
668.3
4,384.9
1,597.2
9,790.3
‐15.20
‐33.34
2.08
55.20
‐25.03
‐18,608.0
‐17,478.1
‐14,687.2
‐14,491.1
478.2
478.2
679.1
679.1
42.01
20.0
20.0
48.8
48.8
144.11
70.3
70.3
184.4
184.4
162.21
12.0
12.0
363.0
363.0
2,933.76
0.0
0.0
0.0
0.0
‐18,091.5
‐18,091.5
‐14,235.5
‐14,235.5
COMISIONES
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
0.2
‐1,129.9
N/A
N/A
4.8
‐196.1
35.43
‐21.07
N/A
‐21.31
AZTECA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
170,393.4
170,368.4
25.0
208,159.6
208,146.2
13.5
22.16
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
170,170.3
0.8
940.7
169,228.8
0.0
26,175.1
0.0
143,053.7
0.0
170,164.2
0.8
934.6
169,228.8
0.0
26,175.1
0.0
143,053.7
0.0
6.2
0.0
6.2
0.0
0.0
0.0
0.0
0.0
0.0
207,726.8
4.6
2,627.8
205,094.3
0.0
19,008.8
0.0
186,085.5
0.0
207,721.9
4.6
2,623.0
205,094.3
0.0
19,008.8
0.0
186,085.5
0.0
4.8
0.0
4.8
0.0
0.0
0.0
0.0
0.0
0.0
22.07
491.04
179.34
21.19
N/A
‐27.38
N/A
30.08
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
204.2
204.2
0.0
424.2
424.2
0.0
107.72
18.8
0.0
18.8
8.6
0.0
8.6
‐54.09
GASTOS FINANCIEROS
14,778.1
13,183.8
1,594.3
17,595.5
16,390.4
1,205.1
19.06
INTERESES
Otras Obligaciones
12,649.0
3,344.8
0.0
9,304.2
0.0
12,649.0
3,344.8
0.0
9,304.2
0.0
0.0
0.0
0.0
0.0
0.0
15,629.9
0.0
157.3
15,472.6
0.0
15,629.9
0.0
157.3
15,472.6
0.0
0.0
0.0
0.0
0.0
0.0
23.57
‐100.00
N/A
66.30
N/A
1,723.4
534.9
1,188.6
1,333.1
760.4
572.6
‐22.65
405.7
0.0
405.7
632.5
0.0
632.5
55.89
155,615.2
157,184.6
‐1,569.3
190,564.2
191,755.8
‐1,191.7
22.46
8,531.1
6,337.7
2,193.3
20,470.9
16,698.5
3,772.4
139.96
COMISIONES
Otras
6,759.2
4,318.4
0.0
2,440.8
4,565.9
4,318.4
0.0
247.5
2,193.3
0.0
0.0
2,193.3
19,162.6
14,619.1
0.0
4,543.5
15,390.2
14,619.1
0.0
771.0
3,772.4
0.0
0.0
3,772.4
183.50
238.53
N/A
86.14
0.0
0.0
0.0
0.0
1,771.9
1,771.9
1,308.3
1,308.3
121,210.1
121,210.1
182,841.7
182,841.7
50.85
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
6,168.8
0.0
0.0
0.0
6,168.8
3,798.9
2,369.9
6,168.8
0.0
0.0
0.0
6,168.8
3,798.9
2,369.9
13,244.0
0.0
0.0
0.0
13,244.0
9,386.1
3,857.9
13,244.0
0.0
0.0
0.0
13,244.0
9,386.1
3,857.9
114.69
N/A
N/A
N/A
114.69
147.07
62.79
Muebles e Inmuebles
Otros
31,692.1
160.9
29,510.3
2,020.8
31,692.1
160.9
29,510.3
2,020.8
25,494.9
290.3
24,784.7
420.0
25,494.9
290.3
24,784.7
420.0
‐19.55
80.40
‐16.01
‐79.22
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
83,349.2
848.9
6,734.5
2,302.7
73,463.1
83,349.2
848.9
6,734.5
2,302.7
73,463.1
144,102.8
965.9
6,166.2
1,134.5
135,836.2
144,102.8
965.9
6,166.2
1,134.5
135,836.2
72.89
13.78
‐8.44
‐50.73
84.90
42,936.2
42,312.2
28,193.4
25,612.6
3,935.7
3,935.7
3,349.8
3,349.8
‐14.89
593.0
593.0
462.4
462.4
‐22.02
1,395.3
1,395.3
2,067.3
2,067.3
48.16
4.3
4.3
0.0
0.0
‐100.00
14,315.3
14,315.3
9,816.0
9,816.0
‐31.43
33,354.5
33,354.5
23,332.0
23,332.0
‐30.05
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
0.0
624.0
N/A
0.0
2,580.8
‐26.16
‐34.34
BANCOVELO: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
45,800.5
45,770.5
30.0
50,661.6
50,515.2
146.4
10.61
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
45,788.2
0.0
577.7
43,370.1
18,664.3
17,100.3
45.3
7,560.3
1,840.4
45,770.5
0.0
564.5
43,370.1
18,664.3
17,100.3
45.3
7,560.3
1,835.9
17.8
0.0
13.3
0.0
0.0
0.0
0.0
0.0
4.5
50,580.0
0.0
651.3
47,981.0
15,804.3
31,641.1
16.5
519.1
1,947.7
50,515.2
0.0
651.2
47,981.0
15,804.3
31,641.1
16.5
519.1
1,883.0
64.8
0.0
0.1
0.0
0.0
0.0
0.0
0.0
64.7
10.47
N/A
12.73
10.63
‐15.32
85.03
‐63.66
‐93.13
5.83
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
12.2
0.0
12.2
81.5
0.0
81.5
567.42
GASTOS FINANCIEROS
16,778.8
16,633.4
145.4
12,136.8
12,135.6
1.2
‐27.67
INTERESES
Otras Obligaciones
16,778.3
0.0
487.7
5,230.5
11,060.0
16,633.4
0.0
482.6
5,230.5
10,920.3
144.8
0.0
5.2
0.0
139.7
12,136.7
0.0
523.4
5,550.2
6,063.2
12,135.6
0.0
522.3
5,550.2
6,063.2
1.1
0.0
1.1
0.0
0.0
‐27.66
N/A
7.30
6.11
‐45.18
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.6
0.0
0.6
0.1
0.0
0.1
‐76.52
29,021.6
29,137.0
‐115.4
38,524.8
38,379.6
145.2
32.75
3,674.9
3,339.7
335.1
4,457.1
4,178.0
279.1
21.29
COMISIONES
Otras
1,695.5
144.6
295.5
1,255.4
1,360.3
3.9
295.5
1,060.9
335.1
140.7
0.0
194.5
757.1
156.6
307.4
293.1
477.9
5.4
307.4
165.1
279.1
151.2
0.0
128.0
‐55.35
8.32
4.01
‐76.66
0.0
0.0
0.0
0.0
1,979.4
1,979.4
3,700.1
3,700.1
34,525.3
34,525.3
44,205.6
44,205.6
28.04
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
17,983.0
409.1
0.0
409.1
17,573.9
12,348.6
5,225.4
17,983.0
409.1
0.0
409.1
17,573.9
12,348.6
5,225.4
18,533.9
469.1
0.0
469.1
18,064.8
13,537.8
4,527.0
18,533.9
469.1
0.0
469.1
18,064.8
13,537.8
4,527.0
3.06
14.68
N/A
14.68
2.79
9.63
‐13.36
6,010.5
1,351.8
4,563.3
95.4
6,010.5
1,351.8
4,563.3
95.4
12,110.1
1,172.8
10,865.1
72.3
12,110.1
1,172.8
10,865.1
72.3
101.48
‐13.24
138.09
‐24.19
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
10,531.8
739.5
2,444.2
540.2
6,807.9
10,531.8
739.5
2,444.2
540.2
6,807.9
13,561.6
761.9
2,503.7
1,196.2
9,099.8
13,561.6
761.9
2,503.7
1,196.2
9,099.8
28.77
3.03
2.43
121.45
33.66
‐1,828.9
‐2,048.6
‐1,223.7
‐1,648.0
254.6
254.6
523.9
523.9
105.77
6.0
6.0
200.2
200.2
3,236.67
332.0
332.0
1,641.9
1,641.9
394.53
204.0
204.0
4.4
4.4
‐97.87
0.0
0.0
210.8
210.8
N/A
‐1,452.2
‐1,452.2
526.7
526.7
‐136.27
OTROS PRODUCTOS
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
0.0
219.7
N/A
0.0
424.3
86.93
‐33.09
BAC|HONDURAS: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
698,492.5
556,980.6
141,511.9
702,609.8
547,240.5
155,369.3
0.59
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
695,983.0
2.1
25,828.5
646,899.7
134,727.3
64,938.5
79,036.0
368,197.9
23,252.7
555,323.4
0.0
23,804.6
524,562.0
108,491.4
50,852.9
61,580.3
303,637.5
6,956.8
140,659.6
2.1
2,023.9
122,337.7
26,236.0
14,085.7
17,455.7
64,560.4
16,295.9
700,206.6
1.3
41,767.0
621,618.2
125,479.1
56,174.9
63,250.2
376,714.0
36,820.2
545,822.0
0.0
40,673.9
490,834.8
94,942.1
42,008.3
43,962.6
309,921.8
14,313.2
154,384.6
1.3
1,093.0
130,783.3
30,537.0
14,166.5
19,287.6
66,792.3
22,506.9
0.61
‐37.35
61.71
‐3.91
‐6.86
‐13.50
‐19.97
2.31
58.35
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
2,509.5
1,657.2
852.3
2,403.2
1,418.5
984.7
‐4.24
GASTOS FINANCIEROS
239,033.4
203,622.2
35,411.2
197,902.4
169,486.7
28,415.6
‐17.21
INTERESES
Otras Obligaciones
239,033.4
16,139.5
43,094.0
122,193.8
57,606.1
203,622.2
14,404.7
35,253.4
108,550.5
45,413.5
35,411.2
1,734.8
7,840.6
13,643.3
12,192.5
197,902.4
16,624.5
43,101.9
80,040.7
58,135.3
169,486.7
15,263.8
35,236.0
70,562.5
48,424.4
28,415.6
1,360.7
7,865.8
9,478.2
9,710.9
‐17.21
3.01
0.02
‐34.50
0.92
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
459,459.1
353,358.4
106,100.7
504,707.5
377,753.8
126,953.7
9.85
132,397.7
87,116.1
45,281.5
151,775.5
94,409.8
57,365.7
14.64
89,980.8
1.0
1,574.7
88,405.1
44,930.5
0.0
1,574.7
43,355.8
45,050.4
1.0
0.0
45,049.4
104,097.1
0.0
1,467.3
102,629.8
48,218.0
0.0
1,467.3
46,750.7
55,879.0
0.0
0.0
55,879.0
15.69
‐100.00
‐6.82
16.09
331.0
331.0
81.2
81.2
42,085.8
41,854.6
47,597.2
46,110.5
477,715.5
477,715.5
555,174.2
555,174.2
16.21
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
179,755.7
42.8
0.0
42.8
179,712.9
120,392.2
59,320.7
179,755.7
42.8
0.0
42.8
179,712.9
120,392.2
59,320.7
191,011.8
64.2
0.0
64.2
190,947.6
128,054.7
62,892.9
191,011.8
64.2
0.0
64.2
190,947.6
128,054.7
62,892.9
6.26
50.00
N/A
50.00
6.25
6.36
6.02
54,400.2
18,694.9
31,203.0
4,502.2
54,400.2
18,694.9
31,203.0
4,502.2
94,977.1
19,037.9
70,447.5
5,491.7
94,977.1
19,037.9
70,447.5
5,491.7
74.59
1.83
125.77
21.98
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
243,559.7
7,235.4
24,358.7
12,216.0
199,749.6
243,559.7
7,235.4
24,358.7
12,216.0
199,749.6
269,185.4
5,007.5
24,704.3
10,146.5
229,327.0
269,185.4
5,007.5
24,704.3
10,146.5
229,327.0
10.52
‐30.79
1.42
‐16.94
14.81
114,141.3
‐37,241.0
101,308.7
‐83,010.7
65,370.2
65,370.2
68,212.4
68,212.4
434.9
434.9
101.5
101.5
‐76.66
2,780.6
2,780.6
3,172.9
3,172.9
14.11
0.0
0.0
0.0
0.0
N/A
64,116.8
64,116.8
60,703.1
60,703.1
‐5.32
117,740.5
117,740.5
111,889.4
111,889.4
‐4.97
OTROS PRODUCTOS
COMISIONES
Otras
ARRENDAMIENTOS
OTROS
Muebles e Inmuebles
Otros
231.2
151,382.2
‐75.45
1,486.7
184,319.4
13.10
‐11.24
4.35
CITIBANK: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
369,951.3
322,226.6
47,724.7
344,580.1
313,629.0
30,951.1
‐6.86
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
308,868.2
25.5
9,436.9
299,405.8
25,263.1
16,926.9
0.0
257,215.8
0.0
268,397.9
0.0
9,059.3
259,338.5
14,823.1
14,303.7
0.0
230,211.8
0.0
40,470.3
25.5
377.6
40,067.2
10,440.0
2,623.2
0.0
27,004.1
0.0
298,381.5
71.3
17,103.0
281,207.2
7,314.5
19,711.6
0.0
254,181.0
0.0
272,963.2
0.0
14,927.4
258,035.8
3,190.5
15,467.8
0.0
239,377.4
0.0
25,418.3
71.3
2,175.6
23,171.4
4,124.0
4,243.8
0.0
14,803.6
0.0
‐3.40
179.23
81.24
‐6.08
‐71.05
16.45
N/A
‐1.18
N/A
0.0
0.0
0.0
15.8
15.8
0.0
59,293.1
53,828.7
5,464.4
45,773.1
40,650.0
5,123.1
‐22.80
1,790.0
0.0
1,790.0
409.7
0.0
409.7
‐77.11
GASTOS FINANCIEROS
117,821.0
91,104.5
26,716.5
93,157.5
79,967.5
13,190.0
‐20.93
INTERESES
Otras Obligaciones
109,935.8
2,268.7
16,595.4
86,782.8
4,288.8
90,926.4
2,182.2
10,013.4
75,745.9
2,984.9
19,009.5
86.5
6,582.0
11,036.9
1,304.0
92,713.8
2,595.9
16,432.9
67,589.4
6,095.5
79,658.3
2,517.6
11,294.6
59,972.4
5,873.7
13,055.5
78.2
5,138.3
7,617.1
221.9
‐15.67
14.42
‐0.98
‐22.12
42.13
243.3
101.5
141.9
443.7
309.2
134.5
82.34
7,641.8
76.6
7,565.2
0.0
0.0
0.0
252,130.3
231,122.1
21,008.2
251,422.7
233,661.5
17,761.2
‐0.28
37,261.5
20,960.5
16,301.0
31,364.5
20,465.1
10,899.4
‐15.83
COMISIONES
Otras
35,584.5
1,184.6
1,637.9
32,762.0
19,621.9
851.9
813.8
17,956.2
15,962.6
332.7
824.1
14,805.8
29,887.9
1,063.3
1,419.5
27,405.1
19,175.6
514.8
843.3
17,817.5
10,712.3
548.5
576.2
9,587.6
‐16.01
‐10.24
‐13.34
‐16.35
0.0
0.0
0.0
0.0
1,677.0
1,338.6
1,476.7
1,289.5
272,103.1
272,103.1
296,787.0
296,787.0
9.07
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
55,440.4
0.0
0.0
0.0
55,440.4
40,054.2
15,386.2
55,440.4
0.0
0.0
0.0
55,440.4
40,054.2
15,386.2
54,946.3
0.0
0.0
0.0
54,946.3
42,145.9
12,800.5
54,946.3
0.0
0.0
0.0
54,946.3
42,145.9
12,800.5
‐0.89
N/A
N/A
N/A
‐0.89
5.22
‐16.81
Muebles e Inmuebles
Otros
85,222.0
8,750.0
73,959.0
2,513.1
85,222.0
8,750.0
73,959.0
2,513.1
99,314.0
7,743.4
89,030.2
2,540.4
99,314.0
7,743.4
89,030.2
2,540.4
16.54
‐11.50
20.38
1.09
131,440.7
3,714.6
8,902.7
1,207.5
117,615.8
131,440.7
3,714.6
8,902.7
1,207.5
117,615.8
142,526.7
1,669.6
8,849.8
2,962.7
129,044.7
142,526.7
1,669.6
8,849.8
2,962.7
129,044.7
8.43
‐55.05
‐0.59
145.35
9.72
17,288.7
‐20,020.5
‐13,999.8
‐42,660.4
17,491.8
17,491.8
25,066.8
25,066.8
43.31
5,088.4
5,088.4
919.1
919.1
‐81.94
27,772.9
27,772.9
4,336.4
4,336.4
‐84.39
2,074.6
2,074.6
2,742.6
2,742.6
32.20
17,316.4
17,316.4
5,538.3
5,538.3
‐68.02
38,074.0
38,074.0
6,203.4
6,203.4
‐83.71
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
338.4
37,309.2
N/A
‐100.00
N/A
187.2
28,660.6
‐11.95
‐180.98
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Balance General ‐ Sociedades Financieras SOCIEDADES FINANCIERAS: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
Regresar
2 0 1 1
Moneda
Nacional
Total
Extranjera
5,190,919.3
344,239.6
25,149.2
155,336.7
157,190.0
5,493.6
1,070.1
375,443.6
320,460.1
0.0
1,029.3
53,954.3
4,864,070.3
281,197.9
24,468.0
131,899.9
123,759.9
3,294,459.7
3,066,538.7
141,588.9
47,484.7
8,098.3
30,749.2
54,035.9
47,151.7
202,242.4
34,898.5
750,070.2
88,377.8
0.0
0.0
0.0
0.0
3,087,095.5
2,872,949.2
134,701.6
45,645.9
8,098.3
25,700.4
52,652.1
47,151.7
202,242.4
34,878.3
750,070.2
86,358.7
0.0
0.0
0.0
0.0
0.0
193,589.5
6,887.3
1,838.7
0.0
5,048.8
1,383.8
0.0
0.0
5,190,919.3
Nacional
5,727,796.0
410,492.2
31,748.3
145,044.6
225,223.0
7,330.3
1,146.1
455,936.1
397,520.2
0.0
1,329.3
57,086.6
5,336,850.3
318,837.5
30,975.4
109,991.5
176,724.5
20.2
0.0
2,019.1
0.0
0.0
0.0
0.0
3,684,683.3
3,383,909.7
67,700.5
44,802.3
22,463.8
165,807.0
67,644.6
74,886.9
241,695.3
33,517.7
661,930.0
97,009.8
0.0
0.0
0.0
0.0
0.0
4,864,070.3
0.0
0.0
4,108,387.8
2,282,015.7
2,157,859.8
0.0
177,432.1
1,980,362.2
65.5
124,155.9
1,164,843.4
639,548.9
525,294.5
0.0
0.0
0.0
14,985.3
605,285.3
155,786.4
3,814,732.7
2,085,128.5
1,963,639.5
0.0
176,216.4
1,787,357.5
65.5
121,489.0
1,068,075.7
639,548.9
428,526.8
0.0
0.0
0.0
14,985.3
605,285.3
155,786.4
0.0
0.0
0.0
0.0
1,215.7
193,004.6
0.0
2,666.9
0.0
0.0
96,767.8
0.0
0.0
0.0
0.0
77,494.9
372,004.0
41,258.0
1,082,531.5
954,490.5
128,041.0
18,381.5
5,190,919.3
0.0
5,190,919.3
77,494.9
372,004.0
41,258.0
1,082,531.5
954,490.5
128,041.0
18,381.5
4,897,264.3
0.0
4,897,264.3
1,070.1
322,423.6
320,460.1
1,029.3
934.3
0.0
0.0
681.3
23,436.7
33,430.1
5,493.6
0.0
0.0
Moneda
0.0
0.0
53,020.0
Extranjera
390,945.8
91,654.7
772.8
35,053.1
48,498.5
7,330.3
0.0
84,922.0
29,457.5
0.0
0.0
55,464.5
10.34
19.25
26.24
‐6.63
43.28
33.43
7.11
21.44
24.05
N/A
29.15
5.81
3,472,759.3
3,187,496.3
63,489.3
42,618.4
22,463.8
156,691.5
66,390.5
74,886.9
241,695.3
33,517.7
661,930.0
95,818.9
0.0
0.0
0.0
0.0
211,924.0
196,413.4
4,211.2
2,183.9
0.0
9,115.6
1,254.1
0.0
0.0
0.0
1,190.9
0.0
0.0
0.0
0.0
11.84
10.35
‐52.19
‐5.65
177.39
439.22
25.18
58.82
19.51
‐3.96
‐11.75
9.77
N/A
N/A
N/A
N/A
0.0
5,727,796.0
0.0
5,336,850.3
0.0
390,945.8
N/A
10.34
4,512,618.0
2,688,025.6
2,455,998.1
0.0
287,187.1
2,168,716.7
94.4
232,027.5
1,133,524.2
742,706.9
390,817.2
0.0
0.0
0.0
18,070.6
629,091.1
176,192.5
4,154,446.7
2,395,568.2
2,165,087.2
0.0
278,931.4
1,886,061.5
94.4
230,481.0
1,067,818.9
742,706.9
325,111.9
0.0
0.0
0.0
18,062.1
629,091.1
176,192.5
358,171.2
292,457.5
290,910.9
0.0
8,255.7
282,655.2
0.0
1,546.5
65,705.3
0.0
65,705.3
0.0
0.0
0.0
8.5
9.84
17.79
13.82
N/A
61.86
9.51
43.98
86.88
‐2.69
16.13
‐25.60
N/A
N/A
N/A
20.59
3.93
13.10
93,905.4
358,993.2
43,906.5
1,215,178.0
1,038,712.7
176,465.3
41,870.0
5,727,796.0
0.0
5,727,796.0
93,905.4
358,993.2
43,906.5
1,215,178.0
1,038,712.7
176,465.3
41,870.0
5,369,624.8
0.0
5,369,624.8
1,146.1
371,014.1
368,062.7
1,329.3
1,622.1
358,171.2
0.0
358,171.2
21.18
‐3.50
6.42
12.25
8.82
37.82
127.78
10.34
N/A
10.34
8,087,802.1
7,712,519.9
375,282.1
8,449,135.1
8,135,244.6
313,890.5
272,253.2
233,742.3
38,510.9
178,000.5
163,589.1
14,411.4
3,034,549.5
2,983,202.3
51,347.2
3,203,028.4
3,139,899.9
63,128.4
3,338,499.4
3,338,499.4
3,743,760.5
3,743,760.5
904,331.9
904,331.9
1,115,224.2
1,115,224.2
1,103,577.9
1,103,577.9
1,166,999.9
1,166,999.9
570,783.5
570,783.5
677,398.9
677,398.9
759,806.1
759,806.1
784,137.5
784,137.5
0.0
0.0
73,859.1
73,859.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,442,500.1 1,157,076.0 285,424.1 1,250,486.6 1,014,136.0 236,350.6
4.47
‐34.62
5.55
12.14
23.32
5.75
18.68
3.20
N/A
N/A
N/A
N/A
‐13.31
0.0
0.0
0.0
COFISA: Cuentas de Balance Condensado
(en miles de lempiras)
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
666,453.7
34,547.8
1,397.8
24,143.8
8,467.2
0.0
538.9
26,381.0
26,381.0
0.0
0.0
0.0
666,275.8
34,547.8
1,397.8
24,143.8
8,467.2
532,662.5
469,496.3
57,879.4
5,286.8
0.0
0.0
8,231.9
23,830.0
27,162.8
872.5
0.0
12,765.2
0.0
0.0
0.0
0.0
0.0
666,453.7
532,662.5
469,496.3
57,879.4
5,286.8
0.0
0.0
8,231.9
23,830.0
27,162.8
872.5
0.0
12,587.3
0.0
0.0
0.0
0.0
0.0
666,275.8
574,558.2
250,025.3
219,109.1
0.0
15,950.7
203,158.4
0.0
30,916.2
247,783.9
242,409.1
5,374.8
0.0
0.0
0.0
1,677.6
57,383.6
35,847.9
574,558.2
250,025.3
219,109.1
0.0
15,950.7
203,158.4
0.0
30,916.2
247,783.9
242,409.1
5,374.8
0.0
0.0
0.0
1,677.6
57,383.6
35,847.9
5,950.0
15,585.8
17,687.8
91,895.4
82,300.0
9,595.4
3,538.2
666,453.7
0.0
666,453.7
5,950.0
15,585.8
17,687.8
91,895.4
82,300.0
9,595.4
3,538.2
666,453.7
0.0
666,453.7
538.9
26,381.0
26,381.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
177.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
734,627.9
27,755.9
1,148.1
13,185.4
12,276.3
0.0
1,146.1
50,000.0
50,000.0
0.0
0.0
0.0
734,627.9
27,755.9
1,148.1
13,185.4
12,276.3
566,631.7
521,771.7
22,990.8
6,442.1
5,426.8
10,000.3
8,529.9
45,783.1
29,375.6
476.4
0.0
6,075.3
0.0
0.0
0.0
0.0
0.0
734,627.9
566,631.7
521,771.7
22,990.8
6,442.1
5,426.8
10,000.3
8,529.9
45,783.1
29,375.6
476.4
0.0
6,075.3
0.0
0.0
0.0
0.0
0.0
734,627.9
621,415.3
284,508.8
252,715.2
0.0
13,616.6
239,098.6
0.0
31,793.6
250,817.9
243,443.1
7,374.8
0.0
0.0
0.0
1,837.9
70,833.2
45,009.2
621,415.3
284,508.8
252,715.2
0.0
13,616.6
239,098.6
0.0
31,793.6
250,817.9
243,443.1
7,374.8
0.0
0.0
0.0
1,837.9
70,833.2
45,009.2
7,250.4
18,573.6
13,417.5
113,212.6
100,000.0
13,212.6
8,991.3
734,627.9
0.0
734,627.9
7,250.4
18,573.6
13,417.5
113,212.6
100,000.0
13,212.6
8,991.3
734,627.9
0.0
734,627.9
1,146.1
50,000.0
50,000.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.23
‐19.66
‐17.87
‐45.39
44.99
N/A
112.67
89.53
89.53
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.38
11.13
‐60.28
21.85
N/A
N/A
3.62
92.12
8.15
‐45.40
N/A
‐52.41
N/A
N/A
N/A
N/A
N/A
10.23
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.16
13.79
15.34
N/A
‐14.63
17.69
N/A
2.84
1.22
0.43
37.21
N/A
N/A
N/A
9.56
23.44
25.56
0.0
0.0
0.0
21.86
19.17
‐24.14
23.20
21.51
37.70
154.12
10.23
N/A
10.23
1,078,220.5
0.0
1,165,346.4
1,165,346.4
0.0
1,078,220.5
0.0
0.0
0.0
0.0
0.0
0.0
459,329.7
459,329.7
0.0
501,125.2
501,125.2
0.0
540,894.4
540,894.4
575,161.6
575,161.6
124,237.9
124,237.9
121,314.2
121,314.2
129,834.8
115,405.8
115,405.8
129,834.8
286,821.7
286,821.7
338,441.6
338,441.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
77,996.4 77,996.4 ‐
89,059.6 89,059.6 ‐
8.08
N/A
9.10
6.34
‐2.35
‐11.11
18.00
N/A
N/A
N/A
N/A
N/A
14.18
0.0
0.0
0.0
CODIMERSA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
2 0 1 1
Moneda
Total
Nacional
Extranjera
90,602.6
8,047.3
0.0
2,129.7
4,107.8
1,809.8
0.0
3,139.0
1,356.1
0.0
1,027.0
755.8
61,565.7
4,548.9
0.0
1,316.3
3,232.5
62,467.4
58,615.5
3,768.7
83.1
0.0
0.0
985.8
718.7
13,578.4
1,480.1
0.0
185.9
0.0
0.0
0.0
0.0
0.0
90,602.6
37,816.6
35,323.6
2,409.9
83.1
0.0
0.0
854.0
718.7
13,578.4
1,480.1
0.0
185.9
0.0
0.0
0.0
0.0
0.0
61,565.7
0.0
23,291.9
1,358.9
0.0
0.0
0.0
131.9
0.0
26,243.8
15,305.2
12,979.3
0.0
0.0
12,979.3
0.0
2,325.9
1,502.0
0.0
1,502.0
0.0
0.0
0.0
0.0
9,198.4
6,906.4
18,857.4
9,420.9
7,232.5
0.0
0.0
7,232.5
0.0
2,188.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9,198.4
6,906.4
0.0
0.0
0.0
0.0
0.0
5,746.8
0.0
137.6
0.0
0.0
1,502.0
0.0
0.0
0.0
0.0
1,307.6
984.4
238.1
64,358.8
54,824.0
9,534.8
1,867.6
90,602.6
0.0
90,602.6
1,307.6
984.4
238.1
64,358.8
54,824.0
9,534.8
1,867.6
83,216.1
0.0
83,216.1
0.0
2,383.1
1,356.1
1,027.0
0.0
Moneda
Total
0.0
0.0
0.0
813.3
875.3
1,809.8
0.0
0.0
0.0
0.0
755.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Nacional
105,526.5
13,502.2
0.5
2,244.5
9,982.6
1,274.6
0.0
4,064.0
2,737.0
0.0
1,327.0
0.0
78,488.2
11,306.7
0.5
1,428.5
9,877.7
70,622.5
49,462.1
2,424.2
1,425.8
0.0
17,310.4
1,319.7
370.9
13,582.4
1,812.7
0.0
252.1
0.0
0.0
0.0
0.0
0.0
105,526.5
46,689.9
33,641.7
1,002.3
1,356.1
0.0
10,689.7
1,176.6
370.9
13,582.4
1,812.7
0.0
241.0
0.0
0.0
0.0
0.0
0.0
78,488.2
35,202.8
21,233.9
17,988.2
0.0
0.0
17,988.2
0.0
3,245.7
4,410.8
0.0
4,410.8
0.0
0.0
0.0
0.0
9,320.0
7,126.4
26,440.4
16,882.3
13,698.8
0.0
0.0
13,698.8
0.0
3,183.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9,320.0
7,126.4
1,552.2
641.4
238.1
70,323.7
59,228.1
11,095.6
2,061.8
105,526.5
0.0
105,526.5
1,552.2
641.4
238.1
70,323.7
59,228.1
11,095.6
2,061.8
96,764.1
0.0
96,764.1
0.0
3,308.1
1,981.1
1,327.0
0.0
Extranjera
27,038.3
2,195.5
0.0
816.0
104.9
1,274.6
0.0
755.8
755.8
0.0
0.0
0.0
16.47
67.78
N/A
5.39
143.01
‐29.57
N/A
29.47
101.82
N/A
29.21
‐100.00
23,932.6
15,820.3
1,421.9
69.7
0.0
6,620.7
143.2
0.0
13.05
‐15.62
‐35.68
1,614.87
N/A
N/A
33.87
‐48.39
0.03
22.48
N/A
35.61
N/A
N/A
N/A
N/A
N/A
16.47
0.0
0.0
11.2
0.0
0.0
0.0
0.0
0.0
27,038.3
8,762.4
4,351.6
4,289.4
0.0
0.0
4,289.4
0.0
62.2
4,410.8
0.0
4,410.8
0.0
0.0
0.0
0.0
34.14
38.74
38.59
N/A
N/A
38.59
N/A
39.54
193.66
N/A
193.66
N/A
N/A
N/A
N/A
1.32
3.19
8,762.4
0.0
8,762.4
18.70
‐34.84
0.00
9.27
8.03
16.37
10.40
16.47
N/A
16.47
160,421.3
24,650.8
204,763.0
180,808.6
23,954.4
185,072.1
0.0
0.0
0.0
0.0
0.0
0.0
94,298.7
94,298.7
0.0
103,010.8
103,010.8
0.0
63,453.2
63,453.2
71,810.5
71,810.5
21,055.0
21,055.0
31,062.4
31,062.4
3,749.5
3,749.5
7,593.9
7,593.9
38,648.7
38,648.7
33,154.2
33,154.2
0.0
0.0
0.0
0.0
4,655.8
0.0
0.0
4,655.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
27,320.2 2,669.4 24,650.8 25,286.0 1,331.6
23,954.4
10.64
N/A
9.24
13.17
47.53
102.53
‐14.22
N/A
N/A
N/A
N/A
N/A
‐7.45
0.0
0.0
0.0
CREDI Q: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
1,344,232.8
154,349.1
1,774.9
60,032.7
88,857.7
3,683.8
0.0
108,189.1
89,294.0
0.0
0.0
18,895.1
1,097,051.3
111,889.5
1,538.1
37,418.7
72,932.7
1,020,510.6
977,029.1
27,803.8
3,326.8
0.0
12,350.9
9,996.3
3,597.4
18,672.3
12,615.3
0.0
16,302.6
0.0
0.0
0.0
0.0
0.0
1,344,232.8
837,797.2
806,731.5
22,275.4
1,488.1
0.0
7,302.1
8,744.3
3,597.4
18,672.3
12,595.1
0.0
14,461.5
0.0
0.0
0.0
0.0
0.0
1,097,051.3
0.0
170,297.5
5,528.4
1,838.7
0.0
5,048.8
1,252.0
0.0
1,104,748.6
850,345.6
822,919.9
0.0
14,942.8
807,977.1
0.0
27,425.7
216,753.2
12,816.2
203,937.0
0.0
0.0
0.0
0.0
34,877.6
27,591.0
875,421.7
659,713.7
634,446.4
0.0
13,727.1
620,719.3
0.0
25,267.3
178,058.2
12,816.2
165,242.0
0.0
0.0
0.0
0.0
34,877.6
27,591.0
0.0
0.0
0.0
0.0
1,215.7
187,257.8
0.0
2,158.3
0.0
0.0
38,695.0
0.0
0.0
0.0
0.0
6,941.6
345.0
2,772.1
239,484.2
217,900.4
21,583.8
3,330.5
1,344,232.8
0.0
1,344,232.8
6,941.6
345.0
2,772.1
239,484.2
217,900.4
21,583.8
3,330.5
1,114,905.9
0.0
1,114,905.9
0.0
89,294.0
89,294.0
0.0
0.0
0.0
0.0
236.8
22,614.0
15,925.0
3,683.8
0.0
0.0
0.0
0.0
18,895.1
20.2
0.0
1,841.2
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
1,551,470.9
197,014.0
2,195.5
74,883.2
113,879.6
6,055.7
0.0
143,467.9
143,467.9
0.0
0.0
0.0
1,260,794.1
125,320.9
1,785.4
40,655.5
82,880.0
1,144,583.4
1,112,521.5
12,908.0
4,970.1
0.0
14,183.7
10,160.4
1,671.8
19,665.5
6,832.9
0.0
28,075.2
0.0
0.0
0.0
0.0
0.0
1,551,470.9
956,592.0
931,928.5
10,118.8
2,855.9
0.0
11,688.8
9,049.4
1,671.8
19,665.5
6,832.9
0.0
26,895.4
0.0
0.0
0.0
0.0
0.0
1,260,794.1
1,296,411.2
1,119,963.8
1,003,683.0
0.0
39,823.9
963,859.1
0.0
116,280.8
128,162.6
18,916.6
109,246.0
0.0
0.0
0.0
312.6
40,854.2
29,166.7
1,003,931.9
832,216.7
717,061.4
0.0
31,568.2
685,493.2
0.0
115,155.2
123,438.9
18,916.6
104,522.2
0.0
0.0
0.0
304.1
40,854.2
29,166.7
11,637.0
50.6
7,118.0
255,059.7
218,681.5
36,378.2
8,042.2
1,551,470.9
0.0
1,551,470.9
11,637.0
50.6
7,118.0
255,059.7
218,681.5
36,378.2
8,042.2
1,258,991.6
0.0
1,258,991.6
0.0
114,766.2
114,766.2
0.0
0.0
290,676.8
71,693.1
410.0
34,227.7
30,999.6
6,055.7
0.0
28,701.7
28,701.7
0.0
0.0
0.0
15.42
27.64
23.69
24.74
28.16
64.39
N/A
32.61
60.67
N/A
N/A
‐100.00
187,991.4
180,593.0
2,789.2
2,114.2
0.0
2,494.9
1,110.9
0.0
12.16
13.87
‐53.57
49.40
N/A
14.84
1.64
‐53.53
5.32
‐45.84
N/A
72.21
N/A
N/A
N/A
N/A
N/A
15.42
0.0
0.0
1,179.8
0.0
0.0
0.0
0.0
0.0
290,676.8
292,479.3
287,747.1
286,621.5
0.0
8,255.7
278,365.8
0.0
1,125.6
4,723.8
0.0
4,723.8
0.0
0.0
0.0
8.5
17.35
31.71
21.97
N/A
166.51
19.29
N/A
323.99
‐40.87
47.60
‐46.43
N/A
N/A
N/A
N/A
17.14
5.71
292,479.3
0.0
292,479.3
67.64
‐85.35
156.77
6.50
0.36
68.54
141.47
15.42
N/A
15.42
1,686,627.3
294,060.6
2,058,339.1
1,824,973.8
233,365.4
1,980,687.9
272,253.2
233,742.3
38,510.9
178,000.5
163,589.1
14,411.4
427,151.9
375,804.7
51,347.2
498,016.9
434,888.4
63,128.4
1,020,510.6
1,020,510.6
1,155,320.3
1,155,320.3
237,376.5
237,376.5
349,975.5
349,975.5
805,344.8
783,134.1
783,134.1
805,344.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24,237.1
0.0
0.0
24,237.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
260,772.2 56,569.6 204,202.6 202,764.4 46,938.9 155,825.5
3.92
‐34.62
16.59
13.21
47.43
2.84
N/A
N/A
N/A
N/A
N/A
N/A
‐22.24
0.0
0.0
0.0
FINAN. POPULAR CEIBEÑA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
211,461.1
16,828.5
4,904.0
8,092.3
3,832.2
0.0
0.0
22,819.2
22,819.2
0.0
0.0
0.0
211,429.7
16,797.1
4,904.0
8,092.3
3,800.8
145,701.3
114,708.0
15,091.8
15,901.4
0.0
0.0
3,206.8
3,010.3
15,863.5
791.0
0.0
3,240.5
0.0
0.0
0.0
0.0
0.0
211,461.1
145,701.3
114,708.0
15,091.8
15,901.4
0.0
0.0
3,206.8
3,010.3
15,863.5
791.0
0.0
3,240.5
0.0
0.0
0.0
0.0
0.0
211,429.7
158,179.7
140,428.9
134,729.7
0.0
2,716.6
132,006.8
6.3
5,699.2
0.0
0.0
0.0
0.0
0.0
0.0
1.7
15,322.9
5,931.1
158,179.7
140,428.9
134,729.7
0.0
2,716.6
132,006.8
6.3
5,699.2
0.0
0.0
0.0
0.0
0.0
0.0
1.7
15,322.9
5,931.1
5,339.4
4,052.4
2,426.3
53,281.4
40,000.0
13,281.4
1,064.9
211,461.1
0.0
211,461.1
5,339.4
4,052.4
2,426.3
53,281.4
40,000.0
13,281.4
1,064.9
211,461.1
0.0
211,461.1
0.0
22,819.2
22,819.2
0.0
0.0
0.0
0.0
0.0
0.0
31.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
239,114.9
14,186.3
1,368.2
9,104.4
3,713.7
0.0
0.0
33,214.2
33,214.2
0.0
0.0
0.0
238,143.9
13,215.3
1,368.2
9,104.4
2,742.7
157,102.4
133,195.0
5,994.0
17,913.4
0.0
0.0
8,653.5
6,329.2
16,040.6
862.3
0.0
2,726.5
0.0
0.0
0.0
0.0
0.0
239,114.9
157,102.4
133,195.0
5,994.0
17,913.4
0.0
0.0
8,653.5
6,329.2
16,040.6
862.3
0.0
2,726.5
0.0
0.0
0.0
0.0
0.0
238,143.9
182,664.5
161,414.7
153,597.0
0.0
2,072.3
151,518.3
6.3
7,817.8
0.0
0.0
0.0
0.0
0.0
0.0
1.7
19,110.7
7,727.0
182,664.5
161,414.7
153,597.0
0.0
2,072.3
151,518.3
6.3
7,817.8
0.0
0.0
0.0
0.0
0.0
0.0
1.7
19,110.7
7,727.0
5,993.4
5,390.3
2,137.4
56,450.4
50,000.0
6,450.4
1,030.1
239,114.9
0.0
239,114.9
5,993.4
5,390.3
2,137.4
56,450.4
50,000.0
6,450.4
1,030.1
239,114.9
0.0
239,114.9
0.0
33,214.2
33,214.2
0.0
0.0
971.0
971.0
0.0
0.0
971.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13.08
‐15.70
‐72.10
12.51
‐3.09
N/A
N/A
45.55
45.55
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.82
16.12
‐60.28
12.65
N/A
N/A
169.85
110.25
1.12
9.02
N/A
‐15.86
N/A
N/A
N/A
N/A
N/A
13.08
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
971.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15.48
14.94
14.00
N/A
‐23.72
14.78
0.00
37.17
N/A
N/A
N/A
N/A
N/A
N/A
0.00
24.72
30.28
0.0
0.0
0.0
12.25
33.02
‐11.91
5.95
25.00
‐51.43
‐3.26
13.08
N/A
13.08
549,156.3
549,156.3
0.0
560,693.2
560,693.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
354,215.3
354,215.3
0.0
354,215.3
354,215.3
0.0
148,908.1
148,908.1
156,743.8
156,743.8
101,288.7
101,288.7
102,540.5
102,540.5
34,311.4
28,806.1
28,806.1
34,311.4
18,813.3
18,813.3
19,891.8
19,891.8
0.0
0.0
0.0
0.0
27,749.3
0.0
0.0
27,749.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
46,032.9 46,032.9 ‐
21,984.9 21,984.9 ‐
2.10
N/A
0.00
5.26
1.24
19.11
5.73
N/A
N/A
N/A
N/A
N/A
‐52.24
0.0
0.0
0.0
ACRESA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
995,567.1
39,797.5
364.9
28,259.1
11,173.4
0.0
0.0
62,498.6
61,563.0
0.0
1.3
934.3
993,826.1
38,056.5
364.9
28,259.1
9,432.5
93,753.1
91,281.0
2,183.3
288.8
0.0
0.0
671.9
2,619.0
10,808.7
1,542.0
750,070.2
33,806.2
0.0
0.0
0.0
0.0
0.0
995,567.1
93,753.1
91,281.0
2,183.3
288.8
0.0
0.0
671.9
2,619.0
10,808.7
1,542.0
750,070.2
33,806.2
0.0
0.0
0.0
0.0
0.0
993,826.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
860,851.2
497,511.9
480,537.5
0.0
0.0
480,537.5
0.0
16,974.4
7,000.0
0.0
7,000.0
0.0
0.0
0.0
8,739.9
347,046.0
2,063.4
860,851.2
497,511.9
480,537.5
0.0
0.0
480,537.5
0.0
16,974.4
7,000.0
0.0
7,000.0
0.0
0.0
0.0
8,739.9
347,046.0
2,063.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5,700.3
339,282.4
553.3
134,715.9
110,000.0
24,715.9
4,458.1
995,567.1
0.0
995,567.1
5,700.3
339,282.4
553.3
134,715.9
110,000.0
24,715.9
4,458.1
995,567.1
0.0
995,567.1
0.0
62,498.6
61,563.0
1.3
934.3
0.0
0.0
0.0
0.0
1,741.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
919,665.7
46,508.2
201.2
23,200.9
23,106.1
0.0
0.0
63,353.4
61,730.0
0.0
1.3
1,622.1
913,686.8
40,529.2
201.2
23,200.9
17,127.2
97,476.9
96,232.5
4.8
971.5
268.2
0.0
508.8
2,869.8
10,950.6
1,737.9
661,930.0
34,330.1
0.0
0.0
0.0
0.0
0.0
919,665.7
97,476.9
96,232.5
4.8
971.5
268.2
0.0
508.8
2,869.8
10,950.6
1,737.9
661,930.0
34,330.1
0.0
0.0
0.0
0.0
0.0
913,686.8
765,499.9
421,641.5
400,221.8
0.0
0.0
400,221.8
0.0
21,419.7
0.0
0.0
0.0
0.0
0.0
0.0
8,495.9
334,166.3
5,273.1
765,499.9
421,641.5
400,221.8
0.0
0.0
400,221.8
0.0
21,419.7
0.0
0.0
0.0
0.0
0.0
0.0
8,495.9
334,166.3
5,273.1
6,693.6
322,199.7
1,196.2
154,165.8
110,000.0
44,165.8
5,973.1
919,665.7
0.0
919,665.7
6,693.6
322,199.7
1,196.2
154,165.8
110,000.0
44,165.8
5,973.1
919,665.7
0.0
919,665.7
0.0
63,353.4
61,730.0
1.3
1,622.1
Extranjera
5,979.0
5,979.0
0.0
0.0
5,979.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐7.62
16.86
‐44.87
‐17.90
106.79
N/A
N/A
1.37
0.27
N/A
0.00
73.62
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.97
5.42
‐99.78
236.33
N/A
N/A
‐24.28
9.58
1.31
12.71
‐11.75
1.55
N/A
N/A
N/A
N/A
N/A
‐7.62
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5,979.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐11.08
‐15.25
‐16.71
N/A
N/A
‐16.71
N/A
26.19
‐100.00
N/A
‐100.00
N/A
N/A
N/A
‐2.79
‐3.71
155.56
0.0
0.0
0.0
17.43
‐5.03
116.19
14.44
0.00
78.69
33.98
‐7.62
N/A
‐7.62
771,748.9
0.0
667,978.7
667,978.7
0.0
771,748.9
0.0
0.0
0.0
0.0
0.0
0.0
41,856.2
41,856.2
0.0
30,235.7
30,235.7
0.0
94,425.0
94,425.0
97,985.7
97,985.7
80,291.9
80,291.9
82,259.9
82,259.9
8,237.0
13,234.7
13,234.7
8,237.0
5,896.1
5,896.1
2,491.1
2,491.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
635,467.7 635,467.7 ‐
539,757.2 539,757.2 ‐
‐13.45
N/A
‐27.76
3.77
2.45
60.67
‐57.75
N/A
N/A
N/A
N/A
N/A
‐15.06
0.0
0.0
0.0
COFINTER: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
201,620.8
5,080.7
0.0
4,884.2
196.5
0.0
0.0
25,078.6
25,077.6
0.0
1.0
0.0
201,424.3
4,884.2
0.0
4,884.2
0.0
155,815.4
148,407.4
7,085.6
322.3
0.0
0.0
702.3
366.1
3,184.2
3,311.2
0.0
8,082.3
0.0
0.0
0.0
0.0
0.0
201,620.8
155,815.4
148,407.4
7,085.6
322.3
0.0
0.0
702.3
366.1
3,184.2
3,311.2
0.0
8,082.3
0.0
0.0
0.0
0.0
0.0
201,424.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
125,401.4
88,822.5
80,985.2
0.0
0.0
80,985.2
0.0
7,837.3
17,886.3
5,514.4
12,371.9
0.0
0.0
0.0
38.8
13,592.7
11,369.0
125,401.4
88,822.5
80,985.2
0.0
0.0
80,985.2
0.0
7,837.3
17,886.3
5,514.4
12,371.9
0.0
0.0
0.0
38.8
13,592.7
11,369.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,223.6
0.0
5,061.1
76,219.4
40,524.9
35,694.5
3,985.6
201,620.8
0.0
201,620.8
2,223.6
0.0
5,061.1
76,219.4
40,524.9
35,694.5
3,985.6
201,620.8
0.0
201,620.8
0.0
25,078.6
25,077.6
1.0
0.0
0.0
0.0
0.0
0.0
196.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
247,882.4
11,812.1
0.0
6,022.7
5,789.3
0.0
0.0
28,856.1
28,855.1
0.0
1.0
0.0
247,756.6
11,686.2
0.0
6,022.7
5,663.5
194,289.0
101,401.2
2,938.9
387.9
0.0
89,561.0
637.3
0.0
3,057.8
3,275.7
0.0
5,954.4
0.0
0.0
0.0
0.0
0.0
247,882.4
194,289.0
101,401.2
2,938.9
387.9
0.0
89,561.0
637.3
0.0
3,057.8
3,275.7
0.0
5,954.4
0.0
0.0
0.0
0.0
0.0
247,756.6
162,121.9
110,428.8
101,034.5
0.0
0.0
101,034.5
0.0
9,394.2
23,535.3
11,885.1
11,650.2
0.0
0.0
0.0
92.4
18,396.1
16,314.1
162,121.9
110,428.8
101,034.5
0.0
0.0
101,034.5
0.0
9,394.2
23,535.3
11,885.1
11,650.2
0.0
0.0
0.0
92.4
18,396.1
16,314.1
2,082.0
0.0
9,669.3
85,760.6
60,524.9
25,235.7
4,124.3
247,882.4
0.0
247,882.4
2,082.0
0.0
9,669.3
85,760.6
60,524.9
25,235.7
4,124.3
247,882.4
0.0
247,882.4
0.0
28,856.1
28,855.1
1.0
0.0
125.8
125.8
0.0
0.0
125.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22.94
132.49
N/A
23.31
2,846.50
N/A
N/A
15.06
15.06
N/A
0.00
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.69
‐31.67
‐58.52
20.37
N/A
N/A
‐9.25
‐100.00
‐3.97
‐1.07
N/A
‐26.33
N/A
N/A
N/A
N/A
N/A
22.94
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
125.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
29.28
24.33
24.76
N/A
N/A
24.76
N/A
19.86
31.58
115.53
‐5.83
N/A
N/A
N/A
138.03
35.34
43.50
0.0
0.0
0.0
‐6.37
N/A
91.05
12.52
49.35
‐29.30
3.48
22.94
N/A
22.94
453,078.9
453,078.9
0.0
542,917.6
542,917.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
294,905.3
294,905.3
0.0
343,014.9
343,014.9
0.0
156,517.7
156,517.7
194,926.4
194,926.4
14,096.0
14,096.0
10,924.2
10,924.2
136,428.5
136,428.5
168,104.1
168,104.1
5,993.2
5,993.2
15,898.1
15,898.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1,655.9
1,655.9 ‐
4,976.3 4,976.3
‐
19.83
N/A
16.31
24.54
‐22.50
23.22
165.27
N/A
N/A
N/A
N/A
N/A
200.52
0.0
0.0
0.0
FINANCIERA DEL CARIBE: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
2 0 1 1
Moneda
Total
Nacional
Extranjera
118,681.9
6,616.6
0.5
3,555.4
2,529.5
0.0
531.2
11,658.0
11,658.0
0.0
0.0
0.0
118,359.9
6,294.6
0.5
3,555.4
2,207.5
85,683.9
70,991.3
3,092.8
9,508.1
2,091.8
0.0
2,016.4
7,145.9
5,072.2
233.3
0.0
255.5
0.0
0.0
0.0
0.0
0.0
118,681.9
85,683.9
70,991.3
3,092.8
9,508.1
2,091.8
0.0
2,016.4
7,145.9
5,072.2
233.3
0.0
255.5
0.0
0.0
0.0
0.0
0.0
118,359.9
73,019.0
54,641.9
54,127.0
0.0
412.8
53,714.2
0.0
514.9
0.0
0.0
0.0
0.0
0.0
0.0
906.1
16,474.5
8,557.0
73,019.0
54,641.9
54,127.0
0.0
412.8
53,714.2
0.0
514.9
0.0
0.0
0.0
0.0
0.0
0.0
906.1
16,474.5
8,557.0
3,225.1
4,692.4
996.6
45,663.0
40,000.0
5,663.0
92.1
118,681.9
0.0
118,681.9
3,225.1
4,692.4
996.6
45,663.0
40,000.0
5,663.0
92.1
118,681.9
0.0
118,681.9
531.2
11,658.0
11,658.0
0.0
0.0
Moneda
Total
0.0
0.0
0.0
0.0
322.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Nacional
Extranjera
119,804.6
12,859.2
0.5
3,051.8
9,806.8
0.0
0.0
9,638.0
9,638.0
0.0
0.0
0.0
117,793.3
10,847.9
0.5
3,051.8
7,795.5
78,071.1
58,399.1
7,180.5
4,175.8
8,315.7
0.0
2,062.8
9,785.7
5,186.7
1,047.1
0.0
1,154.0
0.0
0.0
0.0
0.0
0.0
119,804.6
78,071.1
58,399.1
7,180.5
4,175.8
8,315.7
0.0
2,062.8
9,785.7
5,186.7
1,047.1
0.0
1,154.0
0.0
0.0
0.0
0.0
0.0
117,793.3
67,174.2
36,635.6
36,210.6
0.0
843.4
35,367.1
0.0
425.1
0.0
0.0
0.0
0.0
0.0
0.0
4,363.7
25,514.9
16,556.9
67,174.2
36,635.6
36,210.6
0.0
843.4
35,367.1
0.0
425.1
0.0
0.0
0.0
0.0
0.0
0.0
4,363.7
25,514.9
16,556.9
3,664.8
5,293.3
659.9
52,630.4
50,000.0
2,630.4
857.8
119,804.6
0.0
119,804.6
3,664.8
5,293.3
659.9
52,630.4
50,000.0
2,630.4
857.8
119,804.6
0.0
119,804.6
0.0
9,638.0
9,638.0
0.0
0.0
2,011.3
2,011.3
0.0
0.0
2,011.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.95
94.35
0.00
‐14.16
287.70
N/A
‐100.00
‐17.33
‐17.33
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐8.88
‐17.74
132.17
‐56.08
297.54
N/A
2.30
36.94
2.26
348.73
N/A
351.63
N/A
N/A
N/A
N/A
N/A
0.95
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,011.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐8.00
‐32.95
‐33.10
N/A
104.30
‐34.16
N/A
‐17.45
N/A
N/A
N/A
N/A
N/A
N/A
381.61
54.88
93.49
0.0
0.0
0.0
13.63
12.80
‐33.78
15.26
25.00
‐53.55
831.79
0.95
N/A
0.95
180,604.9
0.0
189,818.9
189,818.9
0.0
180,604.9
0.0
0.0
0.0
0.0
0.0
0.0
80,894.8
80,894.8
0.0
99,814.8
99,814.8
0.0
87,700.4
87,700.4
80,133.9
80,133.9
67,043.7
67,043.7
55,006.0
55,006.0
4,119.6
4,119.6
3,341.3
3,341.3
16,537.1
16,537.1
21,786.6
21,786.6
0.0
0.0
0.0
0.0
0.0
0.0
3,924.3
3,924.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12,009.7 12,009.7 ‐
5,945.8 5,945.8
‐
5.10
N/A
23.39
‐8.63
‐17.95
‐18.89
31.74
N/A
N/A
N/A
N/A
N/A
‐50.49
0.0
0.0
0.0
FINSOL: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
637,546.4
20,189.8
3,581.6
8,141.6
8,466.6
0.0
0.0
50,695.0
50,695.0
0.0
0.0
0.0
637,536.9
20,180.3
3,581.6
8,132.1
8,466.6
494,215.1
479,028.3
8,431.2
3,454.1
3,301.5
0.0
7,382.3
1,001.8
59,230.6
3,807.7
0.0
1,024.0
0.0
0.0
0.0
0.0
0.0
637,546.4
494,215.1
479,028.3
8,431.2
3,454.1
3,301.5
0.0
7,382.3
1,001.8
59,230.6
3,807.7
0.0
1,024.0
0.0
0.0
0.0
0.0
0.0
637,536.9
479,613.7
178,426.5
162,321.7
0.0
66,674.5
95,608.4
38.8
16,104.7
248,627.4
228,627.4
20,000.0
0.0
0.0
0.0
433.8
49,599.9
22,484.9
479,613.7
178,426.5
162,321.7
0.0
66,674.5
95,608.4
38.8
16,104.7
248,627.4
228,627.4
20,000.0
0.0
0.0
0.0
433.8
49,599.9
22,484.9
25,387.3
1,727.8
2,526.1
157,932.7
140,650.0
17,282.7
3,821.5
637,546.4
0.0
637,546.4
25,387.3
1,727.8
2,526.1
157,932.7
140,650.0
17,282.7
3,821.5
637,546.4
0.0
637,546.4
0.0
50,695.0
50,695.0
0.0
0.0
0.0
0.0
0.0
9.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
697,970.9
12,818.5
4,343.5
8,111.3
363.6
0.0
0.0
32,395.0
32,395.0
0.0
0.0
0.0
697,961.4
12,809.1
4,343.5
8,101.9
363.6
557,474.8
528,320.0
2,019.1
702.4
4,468.4
21,965.0
8,688.9
2,006.7
80,383.1
3,384.5
0.0
819.4
0.0
0.0
0.0
0.0
0.0
697,970.9
557,474.8
528,320.0
2,019.1
702.4
4,468.4
21,965.0
8,688.9
2,006.7
80,383.1
3,384.5
0.0
819.4
0.0
0.0
0.0
0.0
0.0
697,961.4
517,797.4
206,810.1
186,996.5
0.0
68,012.4
118,935.4
48.7
19,813.6
261,739.6
261,739.6
0.0
0.0
0.0
0.0
482.1
45,507.6
15,556.3
517,797.4
206,810.1
186,996.5
0.0
68,012.4
118,935.4
48.7
19,813.6
261,739.6
261,739.6
0.0
0.0
0.0
0.0
482.1
45,507.6
15,556.3
27,976.5
1,974.8
3,258.1
180,173.5
140,650.0
39,523.5
2,608.3
697,970.9
0.0
697,970.9
27,976.5
1,974.8
3,258.1
180,173.5
140,650.0
39,523.5
2,608.3
697,970.9
0.0
697,970.9
0.0
32,395.0
32,395.0
0.0
0.0
9.4
9.4
0.0
9.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.48
‐36.51
21.27
‐0.37
‐95.71
N/A
N/A
‐36.10
‐36.10
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.80
10.29
‐76.05
‐79.66
35.34
N/A
17.70
100.32
35.71
‐11.12
N/A
‐19.98
N/A
N/A
N/A
N/A
N/A
9.48
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
9.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
7.96
15.91
15.20
N/A
2.01
24.40
25.61
23.03
5.27
14.48
‐100.00
N/A
N/A
N/A
11.11
‐8.25
‐30.81
0.0
0.0
0.0
10.20
14.30
28.98
14.08
0.00
128.69
‐31.75
9.48
N/A
9.48
1,553,570.2
0.0
1,596,444.5
1,596,444.5
0.0
1,553,570.2
0.0
0.0
0.0
0.0
0.0
0.0
794,166.2
794,166.2
0.0
794,166.2
794,166.2
0.0
501,597.5
501,597.5
566,163.7
566,163.7
168,956.9
168,956.9
211,693.7
211,693.7
3,281.8
3,281.8
3,781.8
3,781.8
131,886.2
131,886.2
145,955.0
145,955.0
197,472.6
197,472.6
204,733.1
204,733.1
1,951.8
0.0
0.0
1,951.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
257,806.5 257,806.5 ‐
234,162.9 234,162.9 ‐
2.76
N/A
0.00
12.87
25.29
15.23
10.67
3.68
N/A
N/A
N/A
N/A
‐9.17
0.0
0.0
0.0
INSULAR: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
2 0 1 1
Moneda
Total
Nacional
Extranjera
106,616.6
12,750.1
4,711.5
4,748.0
3,290.6
0.0
0.0
6,403.0
6,403.0
0.0
0.0
0.0
106,412.4
12,545.8
4,711.5
4,748.0
3,086.3
69,637.5
57,923.9
7,447.7
2,602.1
1,663.8
0.0
8,752.1
242.3
7,863.8
146.2
0.0
821.6
0.0
0.0
0.0
0.0
0.0
106,616.6
69,637.5
57,923.9
7,447.7
2,602.1
1,663.8
0.0
8,752.1
242.3
7,863.8
146.2
0.0
821.6
0.0
0.0
0.0
0.0
0.0
106,412.4
64,387.0
49,799.5
48,031.5
0.0
6,140.3
41,891.3
0.0
1,767.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
14,273.9
6,400.0
64,387.0
49,799.5
48,031.5
0.0
6,140.3
41,891.3
0.0
1,767.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
14,273.9
6,400.0
3,711.6
4,162.3
313.6
42,229.7
44,480.2
‐2,250.5
221.2
106,616.6
0.0
106,616.6
3,711.6
4,162.3
313.6
42,229.7
44,480.2
‐2,250.5
221.2
106,616.6
0.0
106,616.6
0.0
6,403.0
6,403.0
0.0
0.0
Moneda
Total
0.0
0.0
0.0
0.0
204.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Nacional
Extranjera
123,735.4
21,130.2
7,236.7
4,914.4
8,979.1
0.0
0.0
6,403.0
6,403.0
0.0
0.0
0.0
119,672.6
17,067.4
7,236.7
4,914.4
4,916.3
70,483.6
62,117.9
4,453.3
2,370.6
1,541.8
0.0
13,529.7
2,584.6
9,287.6
158.4
0.0
158.4
0.0
0.0
0.0
0.0
0.0
123,735.4
70,483.6
62,117.9
4,453.3
2,370.6
1,541.8
0.0
13,529.7
2,584.6
9,287.6
158.4
0.0
158.4
0.0
0.0
0.0
0.0
0.0
119,672.6
72,480.2
55,470.7
54,295.3
0.0
7,498.8
46,796.5
0.0
1,175.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
16,730.4
9,016.3
72,480.2
55,470.7
54,295.3
0.0
7,498.8
46,796.5
0.0
1,175.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
16,730.4
9,016.3
3,919.6
3,794.5
279.1
51,255.2
54,480.2
‐3,225.0
416.9
123,735.4
0.0
123,735.4
3,919.6
3,794.5
279.1
51,255.2
54,480.2
‐3,225.0
416.9
123,735.4
0.0
123,735.4
0.0
6,403.0
6,403.0
0.0
0.0
4,062.8
4,062.8
0.0
0.0
4,062.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
16.06
65.73
53.60
3.50
172.87
N/A
N/A
0.00
0.00
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.22
7.24
‐40.20
‐8.90
‐7.33
N/A
54.59
966.65
18.11
8.28
N/A
‐80.72
N/A
N/A
N/A
N/A
N/A
16.06
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4,062.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.57
11.39
13.04
N/A
22.12
11.71
N/A
‐33.52
N/A
N/A
N/A
N/A
N/A
N/A
N/A
17.21
40.88
0.0
0.0
0.0
5.61
‐8.84
‐11.00
21.37
22.48
43.30
88.49
16.06
N/A
16.06
188,390.2
188,390.2
0.0
186,123.6
186,123.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
99,324.4
99,324.4
0.0
91,021.6
91,021.6
0.0
78,389.6
78,389.6
84,013.3
84,013.3
57,225.2
57,225.2
58,821.9
58,821.9
3,227.1
3,227.1
8,779.8
8,779.8
17,937.2
17,937.2
16,411.6
16,411.6
0.0
0.0
0.0
0.0
8,341.6
0.0
0.0
8,341.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10,676.3 10,676.3 ‐
2,747.1 2,747.1
‐
‐1.20
N/A
‐8.36
7.17
2.79
172.06
‐8.51
N/A
N/A
N/A
N/A
N/A
‐74.27
0.0
0.0
0.0
FINCA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
2 0 1 1
Moneda
Total
Nacional
Total
Extranjera
105,465.8
6,212.8
142.2
600.5
5,470.1
0.0
0.0
1,165.0
1,165.0
0.0
0.0
0.0
105,390.4
6,137.3
142.2
600.5
5,394.6
76,763.4
74,615.3
827.4
1,320.7
0.0
0.0
1,386.1
0.0
10,404.1
4,630.3
0.0
4,904.1
0.0
0.0
0.0
0.0
0.0
105,465.8
76,763.4
74,615.3
827.4
1,320.7
0.0
0.0
1,386.1
0.0
10,404.1
4,630.3
0.0
4,904.1
0.0
0.0
0.0
0.0
0.0
105,390.4
55,000.7
14,366.2
8,417.9
0.0
8,257.5
140.0
20.4
5,948.4
34,320.5
0.0
34,320.5
0.0
0.0
0.0
171.0
5,840.7
1,731.1
55,000.7
14,366.2
8,417.9
0.0
8,257.5
140.0
20.4
5,948.4
34,320.5
0.0
34,320.5
0.0
0.0
0.0
171.0
5,840.7
1,731.1
3,355.5
754.0
302.3
50,465.1
63,895.1
‐13,430.0
‐5,935.2
105,465.8
0.0
105,465.8
3,355.5
754.0
302.3
50,465.1
63,895.1
‐13,430.0
‐5,935.2
105,465.8
0.0
105,465.8
0.0
1,165.0
1,165.0
0.0
0.0
0.0
0.0
0.0
0.0
75.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
157,487.4
13,222.9
155.0
165.4
12,902.5
0.0
0.0
602.0
602.0
0.0
0.0
0.0
157,087.8
12,823.3
155.0
165.4
12,502.9
119,237.2
118,425.8
248.6
381.2
0.0
181.5
2,744.4
122.9
12,056.8
4,000.7
0.0
5,500.4
0.0
0.0
0.0
0.0
0.0
157,487.4
119,237.2
118,425.8
248.6
381.2
0.0
181.5
2,744.4
122.9
12,056.8
4,000.7
0.0
5,500.4
0.0
0.0
0.0
0.0
0.0
157,087.8
102,667.6
9,025.6
5,018.3
0.0
4,756.5
222.5
39.3
4,007.3
85,409.7
0.0
85,409.7
0.0
0.0
0.0
41.1
7,597.6
1,164.8
102,667.6
9,025.6
5,018.3
0.0
4,756.5
222.5
39.3
4,007.3
85,409.7
0.0
85,409.7
0.0
0.0
0.0
41.1
7,597.6
1,164.8
5,547.6
885.2
593.7
54,819.8
75,232.2
‐20,412.4
591.0
157,487.4
0.0
157,487.4
5,547.6
885.2
593.7
54,819.8
75,232.2
‐20,412.4
591.0
157,487.4
0.0
157,487.4
0.0
602.0
602.0
0.0
0.0
399.6
399.6
0.0
0.0
399.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
49.33
112.84
9.00
‐72.46
135.88
N/A
N/A
‐48.33
‐48.33
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
55.33
58.72
‐69.95
‐71.13
N/A
N/A
98.00
N/A
15.88
‐13.60
N/A
12.16
N/A
N/A
N/A
N/A
N/A
49.33
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
399.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
93,853.3
0.0
139,361.7
139,361.7
0.0
93,853.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
78,149.5
78,149.5
121,981.6
121,981.6
0.0
0.0
6,229.1
6,229.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
78,149.5
78,149.5
115,752.5
115,752.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15,703.8 15,703.8 ‐
17,380.1 17,380.1 ‐
86.67
‐37.17
‐40.38
N/A
‐42.40
58.93
92.50
‐32.63
148.86
N/A
148.86
N/A
N/A
N/A
‐75.95
30.08
‐32.72
65.33
17.39
96.41
8.63
17.74
51.99
‐109.96
49.33
N/A
49.33
48.49
N/A
N/A
56.09
N/A
N/A
N/A
48.12
N/A
N/A
N/A
N/A
10.67
ODEF: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
712,670.6
39,819.6
8,271.8
10,749.4
20,798.3
0.0
0.0
57,417.2
24,048.1
0.0
0.0
33,369.1
664,797.8
25,315.8
7,827.4
10,749.4
6,739.1
557,249.5
524,442.5
7,977.0
5,390.4
1,041.2
18,398.3
10,703.9
4,620.2
30,401.7
5,468.8
0.0
6,989.8
0.0
0.0
0.0
0.0
0.0
712,670.6
557,249.5
524,442.5
7,977.0
5,390.4
1,041.2
18,398.3
10,703.9
4,620.2
30,401.7
5,468.8
0.0
6,989.8
0.0
0.0
0.0
0.0
0.0
664,797.8
586,384.6
142,342.3
133,701.0
0.0
62,337.0
71,364.0
0.0
8,641.4
390,970.0
150,181.8
240,788.2
0.0
0.0
0.0
3,016.4
41,675.1
26,904.7
529,442.9
141,971.3
133,701.0
0.0
62,337.0
71,364.0
0.0
8,270.3
334,399.3
150,181.8
184,217.5
0.0
0.0
0.0
3,016.4
41,675.1
26,904.7
14,352.8
417.6
8,380.8
126,286.0
119,915.9
6,370.1
1,937.0
712,670.6
0.0
712,670.6
14,352.8
417.6
8,380.8
126,286.0
119,915.9
6,370.1
1,937.0
655,728.8
0.0
655,728.8
0.0
24,048.1
24,048.1
0.0
0.0
0.0
0.0
444.4
0.0
14,059.3
0.0
0.0
0.0
0.0
0.0
33,369.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
371.0
0.0
0.0
56,570.7
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
830,509.4
39,682.9
15,099.1
160.4
24,423.3
0.0
0.0
83,942.5
28,478.0
0.0
0.0
55,464.5
770,837.5
35,475.5
14,736.3
160.4
20,578.8
628,710.8
602,063.0
6,538.2
5,061.4
2,443.0
12,605.1
10,809.2
3,362.1
42,108.6
9,929.3
0.0
11,964.0
0.0
0.0
0.0
0.0
0.0
830,509.4
628,710.8
602,063.0
6,538.2
5,061.4
2,443.0
12,605.1
10,809.2
3,362.1
42,108.6
9,929.3
0.0
11,964.0
0.0
0.0
0.0
0.0
0.0
770,837.5
689,183.0
260,892.2
244,237.7
0.0
150,563.1
93,674.6
0.0
16,654.4
379,448.4
206,722.6
172,725.8
0.0
0.0
0.0
2,443.2
41,060.1
23,281.8
632,253.5
260,533.4
244,237.7
0.0
150,563.1
93,674.6
0.0
16,295.7
322,877.6
206,722.6
116,155.1
0.0
0.0
0.0
2,443.2
41,060.1
23,281.8
17,588.3
190.0
5,339.2
141,326.4
119,915.9
21,410.5
7,173.2
830,509.4
0.0
830,509.4
17,588.3
190.0
5,339.2
141,326.4
119,915.9
21,410.5
7,173.2
773,579.9
0.0
773,579.9
0.0
28,478.0
28,478.0
0.0
0.0
59,671.9
4,207.3
362.8
0.0
3,844.5
0.0
0.0
55,464.5
0.0
0.0
0.0
55,464.5
16.53
‐0.34
82.54
‐98.51
17.43
N/A
N/A
46.20
18.42
N/A
N/A
66.22
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
12.82
14.80
‐18.04
‐6.10
134.62
‐31.49
0.98
‐27.23
38.51
81.56
N/A
71.16
N/A
N/A
N/A
N/A
N/A
16.53
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
59,671.9
56,929.5
358.7
0.0
0.0
0.0
0.0
0.0
358.7
56,570.7
0.0
56,570.7
0.0
0.0
0.0
0.0
17.53
83.29
82.67
N/A
141.53
31.26
N/A
92.73
‐2.95
37.65
‐28.27
N/A
N/A
N/A
‐19.00
‐1.48
‐13.47
56,929.5
0.0
56,929.5
22.54
‐54.50
‐36.29
11.91
0.00
236.11
270.32
16.53
N/A
16.53
996,848.1
56,570.7
1,137,348.4
1,080,777.6
56,570.7
1,053,418.8
0.0
0.0
0.0
0.0
0.0
0.0
388,407.0
388,407.0
0.0
388,407.0
388,407.0
0.0
567,953.4
567,953.4
639,519.9
639,519.9
32,760.2
32,760.2
85,396.6
85,396.6
7,102.4
2,759.3
2,759.3
7,102.4
48,249.9
48,249.9
83,368.9
83,368.9
484,184.0
484,184.0
463,652.0
463,652.0
0.0
0.0
2,999.2
2,999.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
97,058.4 40,487.7 56,570.7 106,422.2 49,851.4 56,570.7
7.97
N/A
0.00
12.60
160.67
157.40
72.79
‐4.24
N/A
N/A
N/A
N/A
9.65
0.0
0.0
0.0
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Estado de Resultados ‐ Sociedades Financieras
SOCIEDADES FINANCIERAS: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Regresar
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
265,453.4
258,529.9
6,923.5
275,242.0
269,185.7
6,056.2
3.69
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
191,670.5
1,678.0
5,513.6
177,923.7
25,513.6
48,303.4
11,697.0
92,409.7
6,555.3
184,979.3
1,662.8
5,507.6
171,815.9
25,513.6
47,566.7
11,697.0
87,038.5
5,993.0
6,691.2
15.2
6.0
6,107.8
0.0
736.7
0.0
5,371.1
562.3
205,061.2
835.0
3,467.3
195,752.1
31,520.7
52,859.1
11,632.6
99,739.7
5,006.8
199,126.0
824.1
3,465.5
190,100.5
30,870.0
52,819.3
11,632.6
94,778.5
4,736.0
5,935.2
10.9
1.9
5,651.7
650.7
39.9
0.0
4,961.1
270.8
6.99
‐50.24
‐37.11
10.02
23.54
9.43
‐0.55
7.93
‐23.62
0.0
0.0
0.0
0.0
0.0
0.0
N/A
7,274.3
7,274.3
0.0
10,072.1
10,072.1
0.0
38.46
OTROS PRODUCTOS
66,508.6
66,276.4
232.2
60,108.7
59,987.6
121.0
‐9.62
GASTOS FINANCIEROS
93,623.2
87,329.3
6,293.9
87,375.8
82,086.7
5,289.1
‐6.67
INTERESES
Otras Obligaciones
90,284.5
0.0
1,838.5
58,191.8
30,254.2
85,765.0
0.0
1,837.3
55,323.1
28,604.7
4,519.5
0.0
1.2
2,868.8
1,649.5
85,691.2
0.0
3,599.2
55,619.1
26,472.8
80,610.4
0.0
3,589.8
51,852.8
25,167.9
5,080.7
0.0
9.4
3,766.3
1,305.0
‐5.09
N/A
95.77
‐4.42
‐12.50
3,061.4
1,507.2
1,554.2
1,241.7
1,240.4
1.3
‐59.44
277.4
57.1
220.3
443.0
235.9
207.0
59.69
171,830.2
171,200.6
629.5
187,866.2
187,099.0
767.2
9.33
19,769.7
19,589.1
180.6
22,015.5
21,749.1
266.4
11.36
5,862.2
3.2
0.0
5,859.0
5,862.2
3.2
0.0
5,859.0
0.0
0.0
0.0
0.0
5,693.0
1.9
0.0
5,691.1
5,657.7
1.9
0.0
5,655.8
35.3
0.0
0.0
35.3
‐2.89
‐40.27
N/A
‐2.87
169.4
169.4
195.5
195.5
13,738.2
13,557.5
16,127.0
15,896.0
171,507.5
171,507.5
167,868.9
167,868.9
‐2.12
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
53,829.2
5,605.9
848.3
4,757.7
48,223.3
36,130.2
12,093.1
53,829.2
5,605.9
848.3
4,757.7
48,223.3
36,130.2
12,093.1
59,787.8
4,865.2
698.3
4,166.9
54,922.6
40,386.4
14,536.2
59,787.8
4,865.2
698.3
4,166.9
54,922.6
40,386.4
14,536.2
11.07
‐13.21
‐17.68
‐12.42
13.89
11.78
20.20
Muebles e Inmuebles
Otros
28,403.8
4,613.5
21,113.3
2,676.9
28,403.8
4,613.5
21,113.3
2,676.9
22,267.7
4,860.2
15,575.4
1,832.1
22,267.7
4,860.2
15,575.4
1,832.1
‐21.60
5.35
‐26.23
‐31.56
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
89,274.5
2,707.0
7,578.9
3,384.7
75,603.9
89,274.5
2,707.0
7,578.9
3,384.7
75,603.9
85,813.4
2,454.8
8,120.3
3,283.9
71,954.4
85,813.4
2,454.8
8,120.3
3,283.9
71,954.4
‐3.88
‐9.32
7.14
‐2.98
‐4.83
20,092.4
19,282.2
42,012.7
40,979.2
6,823.7
6,823.7
7,228.3
7,228.3
5,283.7
5,283.7
96.4
96.4
‐98.18
5,573.8
5,573.8
3,733.6
3,733.6
‐33.01
1,271.6
1,271.6
969.9
969.9
‐23.73
7,553.1
7,553.1
10,038.4
10,038.4
32.90
18,381.5
18,381.5
41,870.0
41,870.0
127.78
COMISIONES
COMISIONES
OTROS GASTOS
COMISIONES
Otras
ARRENDAMIENTOS
OTROS
180.6
810.2
15.40
231.1
1,033.5
17.39
109.10
5.93
COFISA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
28,233.7
28,233.7
0.0
32,663.6
32,663.6
0.0
15.69
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
28,233.7
15.6
117.5
28,070.5
4,212.9
200.5
0.0
23,657.0
30.0
28,233.7
15.6
117.5
28,070.5
4,212.9
200.5
0.0
23,657.0
30.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
32,663.6
28.9
214.7
32,420.0
3,145.3
36.4
0.0
29,238.4
0.0
32,663.6
28.9
214.7
32,420.0
3,145.3
36.4
0.0
29,238.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15.69
84.67
82.62
15.50
‐25.34
‐81.87
N/A
23.59
‐100.00
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS PRODUCTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
11,537.5
11,537.5
0.0
12,376.2
12,376.2
0.0
7.27
INTERESES
Otras Obligaciones
11,415.2
0.0
217.7
6,834.9
4,362.6
11,415.2
0.0
217.7
6,834.9
4,362.6
0.0
0.0
0.0
0.0
0.0
12,253.9
0.0
199.3
7,672.3
4,382.3
12,253.9
0.0
199.3
7,672.3
4,382.3
0.0
0.0
0.0
0.0
0.0
7.35
N/A
‐8.45
12.25
0.45
122.3
122.3
0.0
122.3
122.3
0.0
0.00
0.0
0.0
0.0
0.0
0.0
0.0
N/A
16,696.1
16,696.1
0.0
20,287.4
20,287.4
0.0
21.51
786.2
786.2
0.0
765.3
765.3
0.0
‐2.65
COMISIONES
Otras
338.8
0.0
0.0
338.8
338.8
0.0
0.0
338.8
0.0
0.0
0.0
0.0
284.3
0.0
0.0
284.3
284.3
0.0
0.0
284.3
0.0
0.0
0.0
0.0
‐16.07
N/A
N/A
‐16.07
0.0
0.0
0.0
0.0
447.4
447.4
481.0
481.0
10,262.0
10,262.0
12,639.6
12,639.6
23.17
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
3,752.7
649.4
0.0
649.4
3,103.4
2,817.1
286.3
3,752.7
649.4
0.0
649.4
3,103.4
2,817.1
286.3
3,984.2
642.4
0.0
642.4
3,341.8
2,884.1
457.7
3,984.2
642.4
0.0
642.4
3,341.8
2,884.1
457.7
6.17
‐1.07
N/A
‐1.07
7.68
2.38
59.87
Muebles e Inmuebles
Otros
3,193.7
334.5
1,500.0
1,359.3
3,193.7
334.5
1,500.0
1,359.3
5,846.5
365.6
4,500.0
981.0
5,846.5
365.6
4,500.0
981.0
83.06
9.29
200.00
‐27.83
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
3,315.6
175.5
1,009.4
131.5
1,999.3
3,315.6
175.5
1,009.4
131.5
1,999.3
2,808.9
237.7
520.2
59.5
1,991.5
2,808.9
237.7
520.2
59.5
1,991.5
‐15.28
35.47
‐48.46
‐54.74
‐0.39
7,220.3
7,220.3
8,413.1
8,413.1
1,198.4
1,198.4
608.1
608.1
‐49.26
4,882.9
4,882.9
12.2
12.2
‐99.75
2.4
2.4
0.0
0.0
‐100.00
0.0
0.0
17.7
17.7
N/A
0.0
0.0
0.0
0.0
N/A
3,538.2
3,538.2
8,991.3
8,991.3
COMISIONES
OTROS GASTOS
ARRENDAMIENTOS
OTROS
0.0
0.0
N/A
0.0
0.0
7.52
16.52
154.12
CODIMERSA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
2,753.8
2,034.8
719.0
2,982.4
2,242.5
739.9
8.30
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
2,753.8
0.0
20.9
2,732.9
1,487.1
1,079.4
0.0
166.4
0.0
2,034.8
0.0
14.9
2,019.9
1,487.1
366.4
0.0
166.4
0.0
719.0
0.0
6.0
713.0
0.0
713.0
0.0
0.0
0.0
2,982.4
0.0
28.5
2,953.9
2,003.5
350.9
0.0
599.4
0.0
2,242.5
0.0
26.7
2,215.9
1,352.9
330.4
0.0
532.6
0.0
739.9
0.0
1.9
738.0
650.7
20.5
0.0
66.8
0.0
8.30
N/A
36.66
8.08
34.73
‐67.49
N/A
260.13
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS PRODUCTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
252.6
182.2
70.4
461.8
266.6
195.1
82.79
INTERESES
Otras Obligaciones
252.6
0.0
0.0
203.6
49.0
182.2
0.0
0.0
133.1
49.0
70.4
0.0
0.0
70.4
0.0
461.8
0.0
0.0
317.4
144.3
266.6
0.0
0.0
266.6
0.0
195.1
0.0
0.0
50.8
144.3
82.79
N/A
N/A
55.94
194.24
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
2,501.2
1,852.7
648.5
2,520.6
1,975.9
544.7
0.78
209.0
209.0
0.0
298.7
294.8
3.9
42.90
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.9
0.0
0.0
3.9
0.0
0.0
0.0
0.0
3.9
0.0
0.0
3.9
N/A
N/A
N/A
N/A
150.5
150.5
164.0
164.0
58.5
58.5
130.8
130.8
842.6
842.6
857.5
857.5
1.77
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
480.2
116.0
12.0
104.0
364.2
318.6
45.6
480.2
116.0
12.0
104.0
364.2
318.6
45.6
435.6
108.0
12.0
96.0
327.7
313.5
14.2
435.6
108.0
12.0
96.0
327.7
313.5
14.2
‐9.28
‐6.92
0.00
‐7.72
‐10.03
‐1.60
‐68.92
Muebles e Inmuebles
Otros
154.9
106.5
40.0
8.4
154.9
106.5
40.0
8.4
196.5
135.3
60.0
1.2
196.5
135.3
60.0
1.2
26.83
27.00
50.00
‐85.71
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
207.5
0.0
0.0
62.6
144.9
207.5
0.0
0.0
62.6
144.9
225.4
0.0
0.0
14.6
210.8
225.4
0.0
0.0
14.6
210.8
8.64
N/A
N/A
‐76.61
45.47
1,867.6
1,219.1
1,961.8
1,413.2
0.0
0.0
100.0
100.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
1,867.6
1,867.6
2,061.8
2,061.8
COMISIONES
Otras
ARRENDAMIENTOS
OTROS
0.0
648.5
8.97
0.0
548.6
123.60
5.04
10.40
CREDI Q: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
47,230.1
41,047.8
6,182.3
47,862.6
42,563.5
5,299.0
1.34
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
45,532.9
1,384.3
1,582.0
40,629.1
0.0
108.5
0.0
40,520.6
1,937.5
39,575.8
1,384.3
1,582.0
35,234.3
0.0
84.8
0.0
35,149.5
1,375.2
5,957.1
0.0
0.0
5,394.8
0.0
23.7
0.0
5,371.1
562.3
44,763.1
599.5
1,053.5
41,170.4
0.0
365.2
0.0
40,805.2
1,939.8
39,578.7
599.5
1,053.5
36,256.7
0.0
345.8
0.0
35,910.9
1,669.0
5,184.5
0.0
0.0
4,913.7
0.0
19.3
0.0
4,894.3
270.8
‐1.69
‐56.69
‐33.41
1.33
N/A
236.68
N/A
0.70
0.12
0.0
0.0
0.0
0.0
0.0
0.0
N/A
1,472.0
1,472.0
0.0
2,984.9
2,984.9
0.0
102.78
225.2
0.0
225.2
114.6
0.0
114.6
‐49.14
GASTOS FINANCIEROS
33,919.8
28,754.5
5,165.3
27,732.8
23,811.4
3,921.4
‐18.24
INTERESES
Otras Obligaciones
30,940.4
0.0
118.9
23,066.1
7,755.4
27,526.9
0.0
117.7
20,267.8
7,141.4
3,413.6
0.0
1.2
2,798.3
614.0
26,519.4
0.0
477.5
21,247.9
4,794.0
22,701.6
0.0
468.1
17,532.4
4,701.1
3,817.8
0.0
9.4
3,715.5
92.9
‐14.29
N/A
301.70
‐7.88
‐38.19
2,772.0
1,227.7
1,544.4
1,109.8
1,109.8
0.0
‐59.96
207.3
0.0
207.3
103.6
0.0
103.6
‐50.04
13,310.3
12,293.2
1,017.0
20,129.7
18,752.1
1,377.6
51.23
9,667.0
9,486.4
180.6
10,029.7
9,798.7
231.1
3.75
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
9,667.0
9,486.4
10,029.7
9,798.7
22,313.2
22,313.2
20,388.4
20,388.4
‐8.63
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
5,316.9
27.1
0.0
27.1
5,289.8
4,272.4
1,017.4
5,316.9
27.1
0.0
27.1
5,289.8
4,272.4
1,017.4
6,455.7
71.3
0.0
71.3
6,384.4
4,834.5
1,549.9
6,455.7
71.3
0.0
71.3
6,384.4
4,834.5
1,549.9
21.42
163.02
N/A
163.02
20.69
13.16
52.34
Muebles e Inmuebles
Otros
9,471.3
1,098.2
8,343.3
29.7
9,471.3
1,098.2
8,343.3
29.7
4,263.3
1,212.8
3,019.5
30.9
4,263.3
1,212.8
3,019.5
30.9
‐54.99
10.43
‐63.81
4.02
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
7,525.0
217.7
1,081.0
659.3
5,567.1
7,525.0
217.7
1,081.0
659.3
5,567.1
9,669.4
247.9
1,318.1
895.0
7,208.4
9,669.4
247.9
1,318.1
895.0
7,208.4
28.50
13.87
21.94
35.76
29.48
664.1
‐533.6
9,771.1
8,162.5
2,844.0
2,844.0
1,798.7
1,798.7
‐36.76
24.0
24.0
0.5
0.5
‐97.92
1,221.9
1,221.9
861.8
861.8
‐29.47
0.9
0.9
98.2
98.2
10,814.25
1,374.6
1,374.6
4,290.7
4,290.7
212.13
3,330.5
3,330.5
8,042.2
8,042.2
141.47
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
OTROS
180.6
1,197.7
N/A
231.1
1,608.6
3.75
1,371.39
ACRESA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
72,294.5
72,294.5
0.0
66,041.9
66,041.9
0.0
‐8.65
5,666.2
0.0
562.7
2,685.1
0.0
2,080.5
371.0
233.6
2,418.4
5,666.2
0.0
562.7
2,685.1
0.0
2,080.5
371.0
233.6
2,418.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5,729.1
0.0
629.7
3,540.5
0.0
3,151.8
253.2
135.5
1,558.8
5,729.1
0.0
629.7
3,540.5
0.0
3,151.8
253.2
135.5
1,558.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.11
N/A
11.90
31.86
N/A
51.50
‐31.76
‐42.00
‐35.54
0.0
0.0
0.0
0.0
0.0
0.0
N/A
351.9
351.9
0.0
325.2
325.2
0.0
‐7.58
OTROS PRODUCTOS
66,276.4
66,276.4
0.0
59,987.6
59,987.6
0.0
‐9.49
GASTOS FINANCIEROS
13,097.1
13,097.1
0.0
10,086.4
10,086.4
0.0
‐22.99
INTERESES
Otras Obligaciones
13,097.1
0.0
0.0
13,080.0
17.1
13,097.1
0.0
0.0
13,080.0
17.1
0.0
0.0
0.0
0.0
0.0
10,086.4
0.0
0.0
10,086.4
0.0
10,086.4
0.0
0.0
10,086.4
0.0
0.0
0.0
0.0
0.0
0.0
‐22.99
N/A
N/A
‐22.89
‐100.00
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
59,197.4
59,197.4
0.0
55,955.5
55,955.5
0.0
‐5.48
1,564.4
1,564.4
0.0
2,504.8
2,504.8
0.0
60.11
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
1,564.4
1,564.4
2,504.8
2,504.8
54,802.7
54,802.7
50,238.2
50,238.2
‐8.33
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
3,410.3
449.3
281.3
168.0
2,961.0
2,166.9
794.1
3,410.3
449.3
281.3
168.0
2,961.0
2,166.9
794.1
3,652.0
290.8
146.3
144.6
3,361.2
2,340.8
1,020.4
3,652.0
290.8
146.3
144.6
3,361.2
2,340.8
1,020.4
7.09
‐35.26
‐48.00
‐13.94
13.51
8.02
28.49
480.2
357.0
123.1
0.0
480.2
357.0
123.1
0.0
1,017.3
263.1
754.2
0.0
1,017.3
263.1
754.2
0.0
111.88
‐26.30
512.47
N/A
50,912.3
191.1
437.9
114.2
50,169.2
50,912.3
191.1
437.9
114.2
50,169.2
45,568.8
201.2
465.5
163.9
44,738.2
45,568.8
201.2
465.5
163.9
44,738.2
‐10.50
5.30
6.31
43.56
‐10.83
5,959.1
5,959.1
8,222.2
8,222.2
81.3
81.3
9.4
9.4
‐88.49
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
8.5
8.5
0.0
0.0
‐100.00
1,573.9
1,573.9
2,258.4
2,258.4
43.49
4,458.1
4,458.1
5,973.1
5,973.1
33.98
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
COMISIONES
OTROS
Muebles e Inmuebles
Otros
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
0.0
0.0
N/A
0.0
0.0
60.11
37.98
COFINTER: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
11,428.6
11,428.1
0.5
14,033.5
14,032.9
0.6
22.79
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
11,375.0
34.7
574.3
10,764.7
147.4
9,386.9
0.0
1,230.4
1.4
11,374.5
34.2
574.3
10,764.7
147.4
9,386.9
0.0
1,230.4
1.4
0.5
0.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13,961.8
25.0
378.3
13,558.4
382.8
12,082.9
0.0
1,092.7
0.0
13,961.2
24.5
378.3
13,558.4
382.8
12,082.9
0.0
1,092.7
0.0
0.6
0.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
22.74
‐27.91
‐34.12
25.95
159.69
28.72
N/A
‐11.19
‐97.10
0.0
0.0
0.0
0.0
0.0
0.0
N/A
53.6
53.6
0.0
71.7
71.7
0.0
33.76
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
2,746.2
2,746.2
0.0
3,115.9
3,115.9
0.0
13.46
INTERESES
Otras Obligaciones
2,745.4
0.0
0.0
2,346.9
398.5
2,745.4
0.0
0.0
2,346.9
398.5
0.0
0.0
0.0
0.0
0.0
3,115.9
0.0
0.0
2,623.3
492.5
3,115.9
0.0
0.0
2,623.3
492.5
0.0
0.0
0.0
0.0
0.0
13.50
N/A
N/A
11.78
23.61
COMISIONES
0.9
0.9
0.0
0.0
0.0
0.0
‐100.00
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
8,682.4
8,681.9
0.5
10,917.6
10,917.0
0.6
25.74
210.5
210.5
0.0
254.9
254.9
0.0
21.08
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
210.5
210.5
254.9
254.9
3,637.3
3,637.3
6,134.3
6,134.3
68.65
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
1,695.2
161.2
0.0
161.2
1,533.9
1,054.0
479.9
1,695.2
161.2
0.0
161.2
1,533.9
1,054.0
479.9
2,023.0
147.2
0.0
147.2
1,875.8
1,164.8
711.0
2,023.0
147.2
0.0
147.2
1,875.8
1,164.8
711.0
19.34
‐8.73
N/A
‐8.73
22.29
10.51
48.14
810.9
60.9
750.0
0.0
810.9
60.9
750.0
0.0
2,721.9
95.0
2,626.8
0.0
2,721.9
95.0
2,626.8
0.0
235.66
56.06
250.24
N/A
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
1,131.2
112.4
183.2
90.7
745.0
1,131.2
112.4
183.2
90.7
745.0
1,389.5
441.4
196.2
10.9
741.0
1,389.5
441.4
196.2
10.9
741.0
22.83
292.52
7.09
‐87.92
‐0.53
5,255.6
5,255.1
5,038.2
5,037.6
4.8
4.8
3.7
3.7
‐22.08
21.8
21.8
12.2
12.2
‐44.07
144.7
144.7
472.5
472.5
226.45
69.2
69.2
3.2
3.2
‐95.40
1,328.5
1,328.5
1,374.8
1,374.8
3.48
3,985.6
3,985.6
4,124.3
4,124.3
3.48
COMISIONES
OTROS PRODUCTOS
OTROS
Muebles e Inmuebles
Otros
0.0
0.5
N/A
0.0
0.6
21.08
‐4.14
POPULAR CEIBEÑA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
10,779.0
10,779.0
0.0
11,467.1
11,467.1
0.0
6.38
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
10,174.8
0.0
330.3
9,384.5
0.0
1,886.4
5,243.5
2,254.6
460.0
10,174.8
0.0
330.3
9,384.5
0.0
1,886.4
5,243.5
2,254.6
460.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10,715.8
0.0
395.1
9,990.6
0.0
2,393.6
5,782.3
1,814.8
330.1
10,715.8
0.0
395.1
9,990.6
0.0
2,393.6
5,782.3
1,814.8
330.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.32
N/A
19.63
6.46
N/A
26.89
10.28
‐19.51
‐28.25
0.0
0.0
0.0
0.0
0.0
0.0
N/A
604.2
604.2
0.0
751.2
751.2
0.0
24.34
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
4,257.5
4,257.5
0.0
4,569.1
4,569.1
0.0
7.32
INTERESES
Otras Obligaciones
4,257.5
0.0
53.9
4,190.1
13.5
4,257.5
0.0
53.9
4,190.1
13.5
0.0
0.0
0.0
0.0
0.0
4,569.1
0.0
17.6
4,551.5
0.0
4,569.1
0.0
17.6
4,551.5
0.0
0.0
0.0
0.0
0.0
0.0
7.32
N/A
‐67.39
8.62
‐100.00
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
6,521.5
6,521.5
0.0
6,898.0
6,898.0
0.0
5.77
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
5,102.7
5,102.7
5,319.8
5,319.8
4.25
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
3,684.9
1,777.1
0.0
1,777.1
1,907.8
1,349.6
558.1
3,684.9
1,777.1
0.0
1,777.1
1,907.8
1,349.6
558.1
3,870.1
1,853.9
0.0
1,853.9
2,016.1
1,486.3
529.8
3,870.1
1,853.9
0.0
1,853.9
2,016.1
1,486.3
529.8
5.02
4.32
N/A
4.32
5.68
10.13
‐5.08
184.2
184.2
0.0
0.0
184.2
184.2
0.0
0.0
152.7
152.7
0.0
0.0
152.7
152.7
0.0
0.0
‐17.10
‐17.10
N/A
N/A
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
1,233.7
63.0
0.0
53.3
1,117.4
1,233.7
63.0
0.0
53.3
1,117.4
1,297.1
97.7
0.0
48.9
1,150.5
1,297.1
97.7
0.0
48.9
1,150.5
5.14
55.16
N/A
‐8.21
2.96
1,418.8
1,418.8
1,578.2
1,578.2
31.0
31.0
0.0
0.0
‐100.00
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
384.9
384.9
548.1
548.1
42.38
1,064.9
1,064.9
1,030.1
1,030.1
‐3.26
COMISIONES
OTROS PRODUCTOS
Muebles e Inmuebles
Otros
0.0
0.0
N/A
0.0
0.0
N/A
11.24
FINANCIERA DEL CARIBE: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
4,862.4
4,855.4
7.0
4,410.6
4,410.6
0.0
‐9.29
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
4,855.4
0.0
72.7
4,706.2
0.0
768.2
3,743.2
194.8
76.5
4,855.4
0.0
72.7
4,706.2
0.0
768.2
3,743.2
194.8
76.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4,410.6
0.0
124.6
4,233.7
0.0
880.1
3,152.6
201.0
52.3
4,410.6
0.0
124.6
4,233.7
0.0
880.1
3,152.6
201.0
52.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐9.16
N/A
71.43
‐10.04
N/A
14.57
‐15.78
3.20
‐31.62
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS PRODUCTOS
7.0
0.0
7.0
0.0
0.0
0.0
‐100.00
GASTOS FINANCIEROS
1,795.1
1,795.1
0.0
1,610.2
1,610.2
0.0
‐10.30
INTERESES
Otras Obligaciones
1,795.1
0.0
6.8
1,788.4
0.0
1,795.1
0.0
6.8
1,788.4
0.0
0.0
0.0
0.0
0.0
0.0
1,610.2
0.0
14.3
1,595.9
0.0
1,610.2
0.0
14.3
1,595.9
0.0
0.0
0.0
0.0
0.0
0.0
‐10.30
N/A
111.62
‐10.76
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
3,067.2
3,060.2
7.0
2,800.4
2,800.4
0.0
‐8.70
149.7
149.7
0.0
65.2
65.2
0.0
‐56.44
COMISIONES
Otras
149.7
0.0
0.0
149.7
149.7
0.0
0.0
149.7
0.0
0.0
0.0
0.0
65.2
0.0
0.0
65.2
65.2
0.0
0.0
65.2
0.0
0.0
0.0
0.0
‐56.44
N/A
N/A
‐56.44
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
4,982.0
4,982.0
1,770.7
1,770.7
‐64.46
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
1,657.0
1,107.8
255.0
852.8
549.2
412.0
137.2
1,657.0
1,107.8
255.0
852.8
549.2
412.0
137.2
974.8
450.2
240.0
210.2
524.6
391.5
133.1
974.8
450.2
240.0
210.2
524.6
391.5
133.1
‐41.17
‐59.36
‐5.88
‐75.35
‐4.48
‐4.98
‐2.97
Muebles e Inmuebles
Otros
2,941.6
92.2
2,600.2
249.1
2,941.6
92.2
2,600.2
249.1
411.9
121.6
0.0
290.3
411.9
121.6
0.0
290.3
‐86.00
31.87
‐100.00
16.55
383.4
32.0
0.0
107.6
243.8
383.4
32.0
0.0
107.6
243.8
384.0
36.1
0.0
12.4
335.4
384.0
36.1
0.0
12.4
335.4
0.14
12.66
N/A
‐88.45
37.62
‐1,765.0
‐1,772.0
1,094.9
1,094.9
21.1
21.1
9.9
9.9
‐53.01
5.6
5.6
0.0
0.0
‐100.00
1,939.7
1,939.7
0.0
0.0
‐100.00
89.6
89.6
0.0
0.0
‐100.00
8.6
8.6
247.0
247.0
2,787.50
92.1
92.1
857.8
857.8
831.79
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
0.0
7.0
N/A
0.0
0.0
N/A
‐162.03
FINSOL: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
26,702.1
26,702.1
0.0
29,432.7
29,432.7
0.0
10.23
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
26,700.3
16.3
1,437.0
23,615.6
10,138.1
2,897.9
0.0
10,579.6
1,631.5
26,700.3
16.3
1,437.0
23,615.6
10,138.1
2,897.9
0.0
10,579.6
1,631.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
29,430.6
69.5
320.2
27,915.1
14,530.4
3,517.6
0.0
9,867.1
1,125.8
29,430.6
69.5
320.2
27,915.1
14,530.4
3,517.6
0.0
9,867.1
1,125.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.23
327.67
‐77.72
18.21
43.32
21.38
N/A
‐6.73
‐31.00
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
1.8
1.8
0.0
2.1
2.1
0.0
17.24
OTROS PRODUCTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
9,573.8
9,573.8
0.0
9,142.8
9,142.8
0.0
‐4.50
INTERESES
Otras Obligaciones
9,569.3
0.0
993.1
2,770.8
5,805.4
9,569.3
0.0
993.1
2,770.8
5,805.4
0.0
0.0
0.0
0.0
0.0
9,139.7
0.0
927.4
3,045.1
5,167.2
9,139.7
0.0
927.4
3,045.1
5,167.2
0.0
0.0
0.0
0.0
0.0
‐4.49
N/A
‐6.61
9.90
‐10.99
COMISIONES
4.5
4.5
0.0
3.1
3.1
0.0
‐30.61
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
17,128.4
17,128.4
0.0
20,289.9
20,289.9
0.0
18.46
5,981.4
5,981.4
0.0
5,313.0
5,313.0
0.0
‐11.18
COMISIONES
Otras
4,172.3
3.2
0.0
4,169.1
4,172.3
3.2
0.0
4,169.1
0.0
0.0
0.0
0.0
3,264.8
1.9
0.0
3,262.8
3,264.8
1.9
0.0
3,262.8
0.0
0.0
0.0
0.0
‐21.75
‐40.27
N/A
‐21.74
18.9
18.9
31.5
31.5
1,790.3
1,790.3
2,016.8
2,016.8
19,262.7
19,262.7
22,693.3
22,693.3
17.81
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
10,102.8
741.5
0.0
741.5
9,361.2
6,528.4
2,832.9
10,102.8
741.5
0.0
741.5
9,361.2
6,528.4
2,832.9
12,789.3
682.9
0.0
682.9
12,106.4
7,740.1
4,366.3
12,789.3
682.9
0.0
682.9
12,106.4
7,740.1
4,366.3
26.59
‐7.91
N/A
‐7.91
29.33
18.56
54.13
Muebles e Inmuebles
Otros
3,090.5
844.3
2,000.0
246.2
3,090.5
844.3
2,000.0
246.2
2,647.7
899.2
1,502.3
246.2
2,647.7
899.2
1,502.3
246.2
‐14.33
6.50
‐24.88
0.00
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
6,069.5
484.1
1,167.8
217.9
4,199.7
6,069.5
484.1
1,167.8
217.9
4,199.7
7,256.2
552.7
1,383.0
331.3
4,989.2
7,256.2
552.7
1,383.0
331.3
4,989.2
19.55
14.18
18.43
52.04
18.80
3,847.1
3,847.1
2,909.6
2,909.6
244.3
244.3
0.0
0.0
‐100.00
15.4
15.4
0.0
0.0
‐100.00
1,600.3
1,600.3
1,066.0
1,066.0
‐33.39
113.1
113.1
167.8
167.8
48.39
1,741.7
1,741.7
1,199.5
1,199.5
‐31.13
3,821.5
3,821.5
2,608.3
2,608.3
‐31.75
ARRENDAMIENTOS
OTROS
0.0
0.0
66.67
0.0
0.0
12.65
‐24.37
INSULAR: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
3,871.2
3,870.7
0.4
4,096.9
4,089.4
7.5
5.83
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
3,871.2
0.4
39.5
3,831.3
558.2
1,397.0
1,782.5
93.5
0.0
3,870.7
0.0
39.5
3,831.3
558.2
1,397.0
1,782.5
93.5
0.0
0.4
0.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
4,096.9
7.5
28.0
4,061.4
444.4
1,699.6
1,808.7
108.7
0.0
4,089.4
0.0
28.0
4,061.4
444.4
1,699.6
1,808.7
108.7
0.0
7.5
7.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.83
1,620.75
‐29.07
6.01
‐20.40
21.66
1.47
16.26
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS PRODUCTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
1,566.3
1,566.3
0.0
1,621.7
1,621.7
0.0
3.54
INTERESES
Otras Obligaciones
1,562.9
0.0
85.8
1,477.1
0.0
1,562.9
0.0
85.8
1,477.1
0.0
0.0
0.0
0.0
0.0
0.0
1,619.6
0.0
101.6
1,518.0
0.0
1,619.6
0.0
101.6
1,518.0
0.0
0.0
0.0
0.0
0.0
0.0
3.63
N/A
18.43
2.77
N/A
COMISIONES
3.4
3.4
0.0
2.1
2.1
0.0
‐37.00
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
2,304.9
2,304.4
0.4
2,475.2
2,467.6
7.5
7.39
0.0
0.0
0.0
0.5
0.5
0.0
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.5
0.5
2,115.2
2,115.2
2,055.6
2,055.6
‐2.82
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
833.1
300.0
300.0
0.0
533.1
417.3
115.9
833.1
300.0
300.0
0.0
533.1
417.3
115.9
929.6
300.0
300.0
0.0
629.6
452.1
177.6
929.6
300.0
300.0
0.0
629.6
452.1
177.6
11.58
0.00
0.00
N/A
18.10
8.34
53.25
Muebles e Inmuebles
Otros
964.3
44.2
900.0
20.2
964.3
44.2
900.0
20.2
637.9
114.6
516.3
7.0
637.9
114.6
516.3
7.0
‐33.85
159.59
‐42.63
‐65.36
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
317.8
0.0
4.8
51.0
261.9
317.8
0.0
4.8
51.0
261.9
488.1
0.0
0.0
49.2
438.9
488.1
0.0
0.0
49.2
438.9
53.60
N/A
‐100.00
‐3.54
67.55
189.6
189.2
420.0
412.5
5.9
5.9
34.8
34.8
488.48
0.0
0.0
0.1
0.1
N/A
46.1
46.1
0.0
0.0
‐100.00
20.5
20.5
37.8
37.8
84.80
0.0
0.0
0.0
0.0
N/A
221.2
221.2
416.9
416.9
0.0
0.4
N/A
0.0
7.5
N/A
121.47
88.49
FINCA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
11,272.1
11,257.9
14.2
16,956.4
16,953.7
2.8
50.43
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
10,219.2
135.9
19.2
10,064.0
388.8
8,473.6
556.8
644.9
0.0
10,205.0
121.7
19.2
10,064.0
388.8
8,473.6
556.8
644.9
0.0
14.2
14.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15,534.3
104.5
10.7
15,419.1
807.8
11,897.8
635.9
2,077.6
0.0
15,531.6
101.7
10.7
15,419.1
807.8
11,897.8
635.9
2,077.6
0.0
2.8
2.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
52.01
‐23.15
‐44.04
53.21
107.77
40.41
14.20
222.19
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
1,052.9
1,052.9
0.0
1,422.1
1,422.1
0.0
35.07
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
2,013.7
2,013.7
0.0
2,856.8
2,856.8
0.0
41.87
INTERESES
Otras Obligaciones
2,013.7
0.0
144.3
107.3
1,762.1
2,013.7
0.0
144.3
107.3
1,762.1
0.0
0.0
0.0
0.0
0.0
2,856.8
0.0
72.2
4.8
2,779.7
2,856.8
0.0
72.2
4.8
2,779.7
0.0
0.0
0.0
0.0
0.0
41.87
N/A
‐49.96
‐95.54
57.76
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
9,258.4
9,244.2
14.2
14,099.7
14,096.9
2.8
52.29
0.0
0.0
0.0
739.9
708.4
31.4
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
31.4
0.0
0.0
31.4
0.0
0.0
0.0
0.0
31.4
0.0
0.0
31.4
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
708.4
708.4
14,927.3
14,927.3
14,365.1
14,365.1
‐3.77
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
8,465.3
73.9
0.0
73.9
8,391.5
5,708.3
2,683.1
8,465.3
73.9
0.0
73.9
8,391.5
5,708.3
2,683.1
8,380.8
83.5
0.0
83.5
8,297.3
5,686.2
2,611.1
8,380.8
83.5
0.0
83.5
8,297.3
5,686.2
2,611.1
‐1.00
13.06
N/A
13.06
‐1.12
‐0.39
‐2.68
Muebles e Inmuebles
Otros
2,466.1
585.9
1,614.4
265.9
2,466.1
585.9
1,614.4
265.9
1,186.9
582.5
328.9
275.5
1,186.9
582.5
328.9
275.5
‐51.87
‐0.58
‐79.63
3.63
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
3,995.8
244.7
671.9
847.0
2,232.2
3,995.8
244.7
671.9
847.0
2,232.2
4,797.4
356.6
647.4
914.0
2,879.4
4,797.4
356.6
647.4
914.0
2,879.4
20.06
45.73
‐3.65
7.91
28.99
‐5,668.9
‐5,683.1
474.5
440.3
440.1
440.1
8.3
8.3
‐98.11
0.0
0.0
0.0
0.0
N/A
262.8
262.8
873.2
873.2
232.22
969.2
969.2
645.2
645.2
‐33.43
0.0
0.0
119.9
119.9
N/A
‐5,935.2
‐5,935.2
591.0
591.0
‐109.96
COMISIONES
OTROS PRODUCTOS
0.0
14.2
N/A
0.0
34.2
N/A
‐108.37
ODEF: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
46,026.0
46,026.0
0.0
45,294.3
45,287.8
6.5
‐1.59
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
42,288.0
90.7
757.5
41,439.8
8,581.0
20,024.4
0.0
12,834.4
0.0
42,288.0
90.7
757.5
41,439.8
8,581.0
20,024.4
0.0
12,834.4
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
40,773.0
0.1
283.9
40,489.0
10,206.6
16,483.2
0.0
13,799.3
0.0
40,773.0
0.1
283.9
40,489.0
10,206.6
16,483.2
0.0
13,799.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐3.58
‐99.94
‐62.52
‐2.29
18.94
‐17.68
N/A
7.52
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
3,737.9
3,737.9
0.0
4,514.8
4,514.8
0.0
20.78
0.0
0.0
0.0
6.5
0.0
6.5
N/A
GASTOS FINANCIEROS
12,863.6
11,805.4
1,058.2
13,802.1
12,629.6
1,172.5
7.30
INTERESES
Otras Obligaciones
12,635.3
0.0
218.2
2,326.6
10,090.5
11,599.8
0.0
218.2
2,326.6
9,055.0
1,035.5
0.0
0.0
0.0
1,035.5
13,458.4
0.0
1,789.4
2,956.3
8,712.7
12,390.7
0.0
1,789.4
2,956.3
7,645.0
1,067.8
0.0
0.0
0.0
1,067.8
6.51
N/A
720.16
27.07
‐13.65
158.3
148.5
9.8
4.3
3.0
1.3
‐97.28
70.0
57.1
12.9
339.4
235.9
103.4
384.48
33,162.3
34,220.5
‐1,058.2
31,492.2
32,658.2
‐1,166.0
‐5.04
1,201.4
1,201.4
0.0
2,043.4
2,043.4
0.0
70.09
COMISIONES
Otras
1,201.4
0.0
0.0
1,201.4
1,201.4
0.0
0.0
1,201.4
0.0
0.0
0.0
0.0
2,043.4
0.0
0.0
2,043.4
2,043.4
0.0
0.0
2,043.4
0.0
0.0
0.0
0.0
70.09
N/A
N/A
70.09
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
33,259.6
33,259.6
31,406.4
31,406.4
‐5.57
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
14,430.9
202.7
0.0
202.7
14,228.2
11,085.6
3,142.6
14,430.9
202.7
0.0
202.7
14,228.2
11,085.6
3,142.6
16,292.7
235.0
0.0
235.0
16,057.7
13,092.5
2,965.2
16,292.7
235.0
0.0
235.0
16,057.7
13,092.5
2,965.2
12.90
15.97
N/A
15.97
12.86
18.10
‐5.65
4,646.1
905.7
3,242.2
498.2
4,646.1
905.7
3,242.2
498.2
3,185.1
917.8
2,267.3
0.0
3,185.1
917.8
2,267.3
0.0
‐31.44
1.34
‐30.07
‐100.00
14,182.7
1,186.5
3,023.1
1,049.7
8,923.4
14,182.7
1,186.5
3,023.1
1,049.7
8,923.4
11,928.6
283.5
3,589.9
784.0
7,271.2
11,928.6
283.5
3,589.9
784.0
7,271.2
‐15.89
‐76.11
18.75
‐25.31
‐18.52
1,104.1
2,162.3
2,129.2
3,295.2
1,952.6
1,952.6
4,655.3
4,655.3
138.41
334.0
334.0
71.4
71.4
‐78.62
355.8
355.8
460.1
460.1
29.34
0.7
0.7
0.0
0.0
‐100.00
1,140.8
1,140.8
0.0
0.0
‐100.00
1,937.0
1,937.0
7,173.2
7,173.2
270.32
COMISIONES
OTROS PRODUCTOS
COMISIONES
OTROS GASTOS
Muebles e Inmuebles
Otros
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
0.0
‐1,058.2
N/A
0.0
‐1,166.0
N/A
92.85
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Balance General ‐ Oficinas de Representación
OFICINAS DE REPRESENTACION: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
Regresar
2 0 1 1
Moneda
Nacional
Total
Extranjera
507,787.8
128.8
0.0
0.0
128.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
160.3
91.7
0.0
0.0
91.7
497,272.3
230,110.1
164,365.0
0.0
0.0
102,797.3
10,318.2
0.0
29.5
0.0
0.0
39.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
29.5
0.0
0.0
39.1
0.0
0.0
0.0
0.0
0.0
230,110.1
164,365.0
0.0
0.0
102,797.3
10,318.2
0.0
0.0
507,787.8
Nacional
Extranjera
475,539.7
153.5
0.0
0.0
153.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
321.2
116.5
0.0
0.0
116.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
467,435.1
252,274.8
104,676.3
12,032.7
0.0
98,451.4
7,746.3
0.0
57.3
0.0
0.0
147.4
0.0
0.0
0.0
0.0
0.0
160.3
0.0
0.0
505,466.8
452,959.7
0.0
0.0
0.0
0.0
0.0
452,959.7
52,489.0
0.0
52,489.0
0.0
0.0
0.0
0.0
18.0
0.0
56.3
38.2
0.0
0.0
0.0
0.0
0.0
38.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
18.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
452,921.5
0.0
0.0
52,489.0
0.0
0.0
0.0
0.0
18.0
0.0
0.0
2,321.0
0.0
2,321.0
‐46.7
507,787.8
0.0
507,787.8
18.0
0.0
0.0
2,321.0
0.0
2,321.0
‐46.7
2,377.3
0.0
2,377.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
37.0
0.0
0.0
0.0
Moneda
0.0
0.0
0.0
475,218.5
37.0
0.0
0.0
37.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐6.35
19.20
N/A
N/A
19.20
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
57.3
0.0
0.0
147.4
0.0
0.0
0.0
0.0
467,435.1
252,274.8
104,676.3
12,032.7
0.0
98,451.4
7,746.3
0.0
‐6.00
9.63
‐36.31
N/A
N/A
‐4.23
‐24.93
N/A
94.38
N/A
N/A
277.41
N/A
N/A
N/A
N/A
0.0
475,539.7
0.0
321.2
0.0
475,218.5
N/A
‐6.35
472,858.9
435,286.3
0.0
0.0
0.0
0.0
0.0
435,286.3
37,440.1
0.0
37,440.1
0.0
0.0
0.0
0.0
132.4
107.6
173.2
40.7
0.0
0.0
0.0
0.0
0.0
40.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
132.4
107.6
472,685.7
435,245.6
0.0
0.0
0.0
0.0
0.0
435,245.6
37,440.1
0.0
37,440.1
0.0
0.0
0.0
0.0
‐6.45
‐3.90
N/A
N/A
N/A
N/A
N/A
‐3.90
‐28.67
N/A
‐28.67
N/A
N/A
N/A
N/A
633.77
N/A
24.6
0.2
0.0
2,680.9
0.0
2,680.9
162.2
475,539.7
0.0
475,539.7
24.6
0.2
0.0
2,680.9
0.0
2,680.9
162.2
2,854.0
0.0
2,854.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
472,685.7
0.0
472,685.7
36.25
N/A
N/A
15.50
N/A
15.50
‐447.68
‐6.35
N/A
‐6.35
507,590.5
55,036.5
659,452.7
616,310.9
43,141.8
562,627.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
141,129.5
141,129.5
0.0
507,590.5
507,590.5
475,181.5
475,181.5
507,590.5
507,590.5
475,181.5
475,181.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
55,036.5 ‐
55,036.5 43,141.8 ‐
43,141.8
17.21
N/A
N/A
‐6.38
‐6.38
N/A
N/A
N/A
N/A
N/A
N/A
N/A
‐21.61
0.0
0.0
0.0
AGRICOLA: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
2 0 1 1
Moneda
Total
Nacional
Extranjera
54,706.0
37.0
0.0
0.0
37.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
54,555.2
54,555.2
0.0
0.0
0.0
0.0
113.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
54,706.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
54,555.2
0.0
0.0
0.0
0.0
113.8
0.0
52,489.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
52,489.0
0.0
52,489.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
52,489.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,217.0
0.0
2,217.0
‐31.8
54,706.0
0.0
54,706.0
0.0
0.0
0.0
2,217.0
0.0
2,217.0
‐31.8
2,217.0
0.0
2,217.0
0.0
0.0
0.0
0.0
0.0
Moneda
Total
0.0
0.0
0.0
0.0
37.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Nacional
Extranjera
39,972.9
37.0
0.0
0.0
37.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39,852.7
39,852.7
0.0
0.0
0.0
0.0
83.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39,972.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
37,548.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
37,440.1
0.0
37,440.1
0.0
0.0
0.0
0.0
107.8
107.6
107.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
107.8
107.6
0.0
0.2
0.0
2,425.0
0.0
2,425.0
61.1
39,972.9
0.0
39,972.9
0.0
0.2
0.0
2,425.0
0.0
2,425.0
61.1
2,532.8
0.0
2,532.8
0.0
0.0
0.0
0.0
0.0
39,972.9
37.0
0.0
0.0
37.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐26.93
0.00
N/A
N/A
0.00
N/A
N/A
N/A
N/A
N/A
N/A
N/A
39,852.7
39,852.7
0.0
0.0
0.0
0.0
83.2
0.0
‐26.95
‐26.95
N/A
N/A
N/A
N/A
‐26.95
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
‐26.93
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
39,972.9
37,440.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
37,440.1
0.0
37,440.1
0.0
0.0
0.0
0.0
‐28.47
N/A
N/A
N/A
N/A
N/A
N/A
N/A
‐28.67
N/A
‐28.67
N/A
N/A
N/A
N/A
N/A
N/A
37,440.1
0.0
37,440.1
N/A
N/A
N/A
9.38
N/A
9.38
‐292.09
‐26.93
N/A
‐26.93
54,669.0
52,489.0
218,505.5
181,065.4
37,440.1
107,158.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
141,129.5
141,129.5
0.0
54,669.0
54,669.0
39,935.9
39,935.9
54,669.0
54,669.0
39,935.9
39,935.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
52,489.0 ‐
52,489.0 37,440.1 ‐
37,440.1
103.91
N/A
N/A
‐26.95
‐26.95
N/A
N/A
N/A
N/A
N/A
N/A
N/A
‐28.67
0.0
0.0
0.0
LAAD: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
2 0 1 1
Moneda
Nacional
Total
Extranjera
453,081.8
91.7
0.0
0.0
91.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
160.3
91.7
0.0
0.0
91.7
442,717.2
175,554.9
164,365.0
0.0
0.0
102,797.3
10,204.3
0.0
29.5
0.0
0.0
39.1
0.0
0.0
0.0
0.0
0.0
453,081.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
29.5
0.0
0.0
39.1
0.0
0.0
0.0
0.0
0.0
160.3
0.0
175,554.9
164,365.0
0.0
0.0
102,797.3
10,204.3
0.0
452,977.8
452,959.7
0.0
0.0
0.0
0.0
0.0
452,959.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
18.0
0.0
56.3
38.2
0.0
0.0
0.0
0.0
0.0
38.2
0.0
0.0
0.0
0.0
0.0
0.0
0.0
18.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
452,921.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
18.0
0.0
0.0
104.0
0.0
104.0
‐14.8
453,081.8
0.0
453,081.8
18.0
0.0
0.0
104.0
0.0
104.0
‐14.8
160.3
0.0
160.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Moneda
Nacional
Extranjera
435,566.8
116.5
0.0
0.0
116.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
321.2
116.5
0.0
0.0
116.5
427,582.4
212,422.1
104,676.3
12,032.7
0.0
98,451.4
7,663.2
0.0
57.3
0.0
0.0
147.4
0.0
0.0
0.0
0.0
0.0
435,566.8
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
57.3
0.0
0.0
147.4
0.0
0.0
0.0
0.0
0.0
321.2
435,310.9
435,286.3
0.0
0.0
0.0
0.0
0.0
435,286.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.6
0.0
65.3
40.7
0.0
0.0
0.0
0.0
0.0
40.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
24.6
0.0
24.6
0.0
0.0
255.9
0.0
255.9
101.1
435,566.8
0.0
435,566.8
24.6
0.0
0.0
255.9
0.0
255.9
101.1
321.2
0.0
321.2
0.0
0.0
0.0
0.0
0.0
435,245.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐3.87
26.95
N/A
N/A
26.95
N/A
N/A
N/A
N/A
N/A
N/A
N/A
427,582.4
212,422.1
104,676.3
12,032.7
0.0
98,451.4
7,663.2
0.0
‐3.42
21.00
‐36.31
N/A
N/A
‐4.23
‐24.90
N/A
94.38
N/A
N/A
277.41
N/A
N/A
N/A
N/A
N/A
‐3.87
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
435,245.6
435,245.6
435,245.6
0.0
0.0
0.0
0.0
0.0
435,245.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
‐3.90
‐3.90
N/A
N/A
N/A
N/A
N/A
‐3.90
N/A
N/A
N/A
N/A
N/A
N/A
N/A
36.25
N/A
435,245.6
0.0
435,245.6
36.25
N/A
N/A
145.96
N/A
145.96
‐781.25
‐3.87
N/A
‐3.87
452,921.5
2,547.5
440,947.2
435,245.6
5,701.6
455,469.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
452,921.5
452,921.5
435,245.6
435,245.6
452,921.5
452,921.5
435,245.6
435,245.6
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2,547.5
‐
2,547.5 5,701.6 ‐
5,701.6
‐3.19
N/A
N/A
‐3.90
‐3.90
N/A
N/A
N/A
N/A
N/A
N/A
N/A
123.81
0.0
0.0
0.0
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Estado de Resultados ‐ Oficinas de Representación
OFICINAS DE REPRESENTACION: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Regresar
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
860.3
192.9
667.5
793.8
295.1
498.7
‐7.73
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
667.5
0.0
0.0
667.5
667.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
667.5
0.0
0.0
667.5
667.5
0.0
0.0
0.0
0.0
498.7
0.0
0.0
498.7
498.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
498.7
0.0
0.0
498.7
498.7
0.0
0.0
0.0
0.0
‐25.28
N/A
N/A
‐25.28
‐25.28
N/A
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
192.9
192.9
0.0
295.1
295.1
0.0
53.01
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
688.0
0.0
688.0
329.8
0.0
329.8
‐52.07
INTERESES
Otras Obligaciones
688.0
0.0
0.0
0.0
688.0
0.0
0.0
0.0
0.0
0.0
688.0
0.0
0.0
0.0
688.0
329.8
0.0
0.0
0.0
329.8
0.0
0.0
0.0
0.0
0.0
329.8
0.0
0.0
0.0
329.8
‐52.07
N/A
N/A
N/A
‐52.07
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
172.4
192.9
‐20.5
464.1
295.1
168.9
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
219.0
219.0
301.8
301.8
37.79
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
151.9
0.0
0.0
0.0
151.9
92.7
59.2
151.9
0.0
0.0
0.0
151.9
92.7
59.2
139.8
0.0
0.0
0.0
139.8
110.8
29.0
139.8
0.0
0.0
0.0
139.8
110.8
29.0
‐8.00
N/A
N/A
N/A
‐8.00
19.50
‐51.03
1.6
1.6
0.0
0.0
1.6
1.6
0.0
0.0
109.5
1.6
107.6
0.2
109.5
1.6
107.6
0.2
6592.62
0.00
N/A
N/A
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
65.5
4.8
0.0
0.0
60.6
65.5
4.8
0.0
0.0
60.6
52.6
5.6
0.0
0.0
47.1
52.6
5.6
0.0
0.0
47.1
‐19.68
14.57
N/A
N/A
‐22.42
‐46.7
‐26.2
162.2
‐6.7
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
‐46.7
‐46.7
162.2
162.2
COMISIONES
OTROS PRODUCTOS
Muebles e Inmuebles
Otros
0.0
‐20.5
169.18
N/A
0.0
168.9
N/A
‐447.68
‐447.68
BANCO AGRICOLA: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
667.5
0.0
667.5
498.7
0.0
498.7
‐25.28
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
667.5
0.0
0.0
667.5
667.5
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
667.5
0.0
0.0
667.5
667.5
0.0
0.0
0.0
0.0
498.7
0.0
0.0
498.7
498.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
498.7
0.0
0.0
498.7
498.7
0.0
0.0
0.0
0.0
‐25.28
N/A
N/A
‐25.28
‐25.28
N/A
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS PRODUCTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
688.0
0.0
688.0
329.8
0.0
329.8
‐52.07
INTERESES
Otras Obligaciones
688.0
0.0
0.0
0.0
688.0
0.0
0.0
0.0
0.0
0.0
688.0
0.0
0.0
0.0
688.0
329.8
0.0
0.0
0.0
329.8
0.0
0.0
0.0
0.0
0.0
329.8
0.0
0.0
0.0
329.8
‐52.07
N/A
N/A
N/A
‐52.07
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
‐20.5
0.0
‐20.5
168.9
0.0
0.0
‐924.95
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
11.3
11.3
107.8
107.8
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Muebles e Inmuebles
Otros
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
107.8
0.0
107.6
0.2
107.8
0.0
107.6
0.2
N/A
N/A
N/A
N/A
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
11.3
0.0
0.0
0.0
11.3
11.3
0.0
0.0
0.0
11.3
11.3
0.0
0.0
0.0
0.0
11.3
0.0
0.0
0.0
0.0
0.00
N/A
N/A
N/A
‐100.00
‐31.8
‐11.3
61.1
‐107.8
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
‐31.8
‐31.8
61.1
61.1
‐292.09
0.0
‐20.5
N/A
0.0
N/A
851.11
0.0
‐292.09
LAAD: Cuentas de Estado de Resultado
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
192.9
192.9
0.0
295.1
295.1
0.0
53.01
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
192.9
192.9
0.0
295.1
295.1
0.0
53.01
OTROS PRODUCTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
GASTOS FINANCIEROS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
INTERESES
Otras Obligaciones
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
N/A
COMISIONES
0.0
0.0
0.0
0.0
0.0
0.0
N/A
OTROS GASTOS
0.0
0.0
0.0
0.0
0.0
0.0
N/A
192.9
192.9
0.0
295.1
295.1
0.0
53.01
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
207.7
207.7
194.0
194.0
‐6.60
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
151.9
0.0
0.0
0.0
151.9
92.7
59.2
151.9
0.0
0.0
0.0
151.9
92.7
59.2
139.8
0.0
0.0
0.0
139.8
110.8
29.0
139.8
0.0
0.0
0.0
139.8
110.8
29.0
‐8.00
N/A
N/A
N/A
‐8.00
19.50
‐51.03
1.6
1.6
0.0
0.0
1.6
1.6
0.0
0.0
1.6
1.6
0.0
0.0
1.6
1.6
0.0
0.0
0.00
0.00
N/A
N/A
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
54.2
4.8
0.0
0.0
49.3
54.2
4.8
0.0
0.0
49.3
54.2
5.6
0.0
0.0
47.1
54.2
5.6
0.0
0.0
47.1
0.00
14.57
N/A
N/A
‐4.58
‐14.8
‐14.8
101.1
101.1
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
0.0
0.0
0.0
0.0
N/A
‐14.8
‐14.8
101.1
101.1
COMISIONES
Muebles e Inmuebles
Otros
0.0
0.0
N/A
0.0
0.0
N/A
‐781.25
‐781.25
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Balance General ‐ Banca de Segundo Piso BANHPROVI: Cuentas de Balance Condensado
2 0 1 0 CUENTAS
ACTIVO
Disponibilidades
Caja
Inversiones
Otras Inversiones
1/
Vigentes Atrasados
Vencidos
Ejecución Judicial
Activos Eventuales
Activos Fijos
Cargos Diferidos
Otros Activos
TOTAL ACTIVO
PASIVO
Exigibilidades
Depósitos
Depósitos a Plazo
Otros Depósitos
Reservas Técnicas
Créditos Diferidos
Otras
Reservas Eventuales
Capital Primario
Microcréditos
Fideicomisos
Otras
1/
Incluye Sobregiros
Total
Regresar
2 0 1 1
Moneda
Nacional
Total
Extranjera
18,798,798.9
950,182.3
0.0
921,918.4
28,263.9
0.0
0.0
1,868,056.4
1,367,736.2
0.0
320.2
500,000.0
18,782,768.4
948,316.6
0.0
920,052.7
28,263.9
14,527,343.8
13,555,518.2
234,128.7
64,102.4
0.0
673,594.5
28,666.2
40,045.0
75,695.5
706,001.9
0.0
602,807.8
84,757.7
0.0
0.0
0.0
14,516,130.6
13,555,518.2
234,128.7
52,889.2
0.0
673,594.5
26,034.9
40,045.0
75,695.5
706,001.9
0.0
602,807.8
84,757.7
0.0
0.0
0.0
0.0
0.0
0.0
11,213.2
0.0
0.0
2,631.3
0.0
84,757.7
18,883,556.6
Nacional
19,835,673.8
997,686.7
0.0
955,475.1
42,211.7
0.0
0.0
2,417,902.8
1,917,582.5
0.0
320.2
500,000.0
19,819,643.4
995,821.0
0.0
953,609.4
42,211.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
15,424,745.1
14,542,608.2
206,288.7
106,276.4
0.0
569,571.8
34,748.4
39,937.5
93,485.2
532,100.9
0.0
295,067.1
82,369.3
0.0
0.0
0.0
84,757.7
18,867,526.1
0.0
0.0
4,732,036.2
62,432.1
0.0
0.0
0.0
0.0
0.0
62,432.1
3,821,893.1
0.0
3,821,893.1
0.0
0.0
0.0
11,881.6
792,409.1
566,157.3
4,602,555.5
62,213.1
0.0
0.0
0.0
0.0
0.0
62,213.1
3,692,631.4
0.0
3,692,631.4
0.0
0.0
0.0
11,881.6
792,409.1
566,157.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
218.9
0.0
0.0
129,261.7
0.0
0.0
0.0
0.0
31,073.6
195,178.1
43,420.4
14,066,762.6
13,513,942.2
552,820.5
141,730.2
18,798,798.9
84,757.7
18,883,556.6
31,073.6
195,178.1
43,420.4
14,066,762.6
13,513,942.2
552,820.5
141,730.2
18,669,318.2
84,757.7
18,754,075.9
0.0
1,867,736.2
1,367,736.2
0.0
500,000.0
0.0
0.0
0.0
1,865.7
0.0
0.0
0.0
0.0
Moneda
0.0
320.2
0.0
Extranjera
16,030.5
1,865.7
0.0
1,865.7
0.0
0.0
0.0
320.2
0.0
0.0
320.2
0.0
5.52
5.00
N/A
3.64
49.35
N/A
N/A
29.43
40.20
N/A
0.00
0.00
15,413,532.0
14,542,608.2
206,288.7
95,063.2
0.0
569,571.8
32,117.1
39,937.5
93,485.2
532,100.9
0.0
295,067.1
82,369.3
0.0
0.0
0.0
11,213.2
0.0
0.0
11,213.2
0.0
0.0
2,631.3
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.18
7.28
‐11.89
65.79
N/A
‐15.44
21.22
‐0.27
23.50
‐24.63
N/A
‐51.05
‐2.82
N/A
N/A
N/A
82,369.3
19,918,043.1
82,369.3
19,902,012.6
0.0
16,030.5
‐2.82
5.48
4,572,538.2
57,505.3
0.0
0.0
0.0
0.0
0.0
57,505.3
3,499,726.4
0.0
3,499,726.4
0.0
0.0
0.0
9,030.3
965,793.2
674,112.1
4,394,598.8
57,194.1
0.0
0.0
0.0
0.0
0.0
57,194.1
3,322,098.2
0.0
3,322,098.2
0.0
0.0
0.0
9,030.3
965,793.2
674,112.1
177,939.4
311.2
0.0
0.0
0.0
0.0
0.0
311.2
177,628.2
0.0
177,628.2
0.0
0.0
0.0
0.0
‐3.37
‐7.89
N/A
N/A
N/A
N/A
N/A
‐7.89
‐8.43
N/A
‐8.43
N/A
N/A
N/A
‐24.00
21.88
19.07
33,726.8
257,954.3
40,483.0
15,263,135.6
14,403,577.2
859,558.4
185,683.8
19,835,673.8
82,369.3
19,918,043.1
33,726.8
257,954.3
40,483.0
15,263,135.6
14,403,577.2
859,558.4
185,683.8
19,657,734.5
82,369.3
19,740,103.7
0.0
2,417,582.5
1,917,582.5
0.0
500,000.0
177,939.4
0.0
177,939.4
8.54
32.16
‐6.77
8.50
6.58
55.49
31.01
5.52
‐2.82
5.48
18,001,465.8
524,381.9
21,289,468.1
20,715,400.0
574,068.1
18,525,847.7
0.0
0.0
0.0
0.0
0.0
0.0
16,701,407.9
16,315,124.3
386,283.7
19,440,417.6
19,054,133.9
386,283.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
570,553.0
570,553.0
0.0
477,473.1
477,473.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
570,553.0
0.0
477,473.1
477,473.1
0.0
570,553.0
1,253,886.8 1,115,788.6 138,098.2 1,371,577.4 1,183,793.0 187,784.4
14.92
N/A
16.40
N/A
N/A
N/A
N/A
N/A
N/A
‐16.31
N/A
‐16.31
9.39
0.0
0.0
0.0
RAP: Cuentas de Balance Condensado
Comparativo Marzo 2010 ‐ 2011
CUENTAS
A C T I V O DISPONIBILIDADES
Caja y Bancos
Inversiones corto plazo
Inversiones Temporales Intereses por Cobrar
Cuentas por Cobrar
Cuentas por Cobrar Empleados
Otras Cuentas por Cobrar
PRESTAMOS E INVERSIONES L/P
Préstamos, Desc. Y Negociaciones
Cartera de Préstamos en Admon.
Vigentes
Atrasados
Vencidos
Linea de Reinversión
Bonos Vivienda para la Gente
Inversión en Bonos
Inversiones Interinas Activos Eventuales
PROPIEDADES, MOBILIARIO Y EQUIPO
Propiedad, Planta y Equipo
OTROS ACTIVOS
Cuentas por Amortizar
Depósitos en Garantía
TOTAL ACTIVOS
PASIVO
CIRCULANTE
Cuentas por Pagar
PASIVO NO CORRIENTE
Cotizaciones Obrero Patronal
Intereses S/Cotiz.Obrero Patronal
OTROS PASIVOS
Crédito Diferidos
DEPRECIACION DE ACTIVOS FIJOS
Propiedad, Planta y Equipo
RESERVAS DE VALUACION
Provisión para Reservas de Valuación y Eventuales
TOTAL PASIVO
CAPITAL
Capital Acumulado de Otros Períodos
Excedentes del Período
Cuentas de Orden
Variación 2010
2011
1,622,445.0
195,434.2
1,388,291.2
1,388,291.2
33,945.5
4,774.1
38.2
4,736.0
6,284,825.8
3,392,013.2
75,280.4
48,339.0
25,310.9
1,630.5
599,826.9
685,550.0
1,389,374.0
142,781.4
1,388.0
1,388.0
116,423.1
116,423.1
1,739.7
1,651.3
88.4
8,026,821.6
2,262,712.4
407,776.9
1,797,302.0
1,797,302.0
51,927.7
5,705.8
35.6
5,670.2
6,824,403.1
3,948,285.0
62,835.0
42,218.7
19,073.2
1,543.1
399,025.4
685,550.0
1,616,965.0
111,742.6
1,584.1
1,584.1
114,044.3
114,044.3
1,556.2
1,467.8
88.4
9,204,300.1
39.46
108.65
29.46
29.46
52.97
19.51
‐6.80
19.73
8.59
16.40
‐16.53
‐12.66
‐24.64
‐5.36
‐33.48
0.00
16.38
‐21.74
14.13
14.13
‐2.04
‐2.04
‐10.55
‐11.11
0.00
14.67
8,935.0
8,935.0
4,559,645.7
3,971,417.0
588,228.7
3,446.3
3,446.3
48,676.2
48,676.2
193,193.5
193,193.5
4,813,896.6
3,212,925.0
3,087,188.7
125,736.3
8,026,821.6
5,306,629.1
17,617.6
17,617.6
5,185,367.8
4,500,215.0
685,152.8
13,318.5
13,318.5
49,610.6
49,610.6
220,311.3
220,311.3
5,486,225.7
3,718,074.4
3,580,364.3
137,710.1
9,204,300.1
6,761,712.3
97.17
97.17
13.72
13.32
16.48
286.46
286.46
1.92
1.92
14.04
14.04
13.97
15.72
15.97
9.52
14.67
27.42
(%) 11/10
II. ESTADISTICAS DEL SISTEMA FINANCIERO II.2 ESTADISTICAS POR SUB SISTEMA b. Estado de Resultados ‐ Banca de Segundo Piso
BANHPROVI: Cuentas de Estado de Resultado
Regresar
2 0 1 0 CUENTAS
2 0 1 1
Moneda
Total
Nacional
Extranjera
Moneda
Total
Nacional
Extranjera
267,257.3
260,463.5
6,793.8
290,971.5
290,971.5
0.0
8.87
INTERESES
Sobre Inversiones
Otros Préstamos
Otros
240,349.0
0.0
25,256.0
215,093.0
156,480.1
58,613.0
0.0
6,375.9
0.0
240,349.0
0.0
25,256.0
215,093.0
156,480.1
58,613.0
0.0
6,375.9
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
267,088.5
0.0
32,708.8
234,379.6
180,301.9
54,077.7
0.0
0.0
0.0
267,088.5
0.0
32,708.8
234,379.6
180,301.9
54,077.7
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
11.13
N/A
29.51
8.97
15.22
‐7.74
N/A
‐100.00
N/A
0.0
0.0
0.0
0.0
0.0
0.0
N/A
20,114.4
20,114.4
0.0
23,883.0
23,883.0
0.0
18.74
6,793.8
0.0
6,793.8
0.0
0.0
0.0
‐100.00
GASTOS FINANCIEROS
70,754.7
70,346.0
408.6
77,158.8
67,352.9
9,805.9
9.05
INTERESES
Otras Obligaciones
50,244.9
0.0
0.0
0.0
50,244.9
49,836.3
0.0
0.0
0.0
49,836.3
408.6
0.0
0.0
0.0
408.6
53,048.3
0.0
0.0
0.0
53,048.3
43,242.4
0.0
0.0
0.0
43,242.4
9,805.9
0.0
0.0
0.0
9,805.9
5.58
N/A
N/A
N/A
5.58
COMISIONES
20,509.7
20,509.7
0.0
24,110.5
24,110.5
0.0
17.56
0.0
0.0
0.0
0.0
0.0
0.0
N/A
196,502.6
190,117.4
6,385.2
213,812.7
223,618.6
‐9,805.9
8.81
0.0
0.0
0.0
0.0
0.0
0.0
N/A
COMISIONES
Otras
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
N/A
N/A
N/A
N/A
ARRENDAMIENTOS
0.0
0.0
0.0
0.0
OTROS
0.0
0.0
0.0
0.0
46,843.5
46,843.5
29,130.6
29,130.6
‐37.81
GASTOS EN PERSONAL
Sueldos
Otros
Sueldos
Otros
19,115.7
45.0
0.0
45.0
19,070.7
12,149.6
6,921.2
19,115.7
45.0
0.0
45.0
19,070.7
12,149.6
6,921.2
19,074.3
67.5
0.0
67.5
19,006.8
15,096.6
3,910.2
19,074.3
67.5
0.0
67.5
19,006.8
15,096.6
3,910.2
‐0.22
50.00
N/A
50.00
‐0.34
24.26
‐43.50
Muebles e Inmuebles
Otros
24,837.0
1,120.8
17,822.6
5,893.6
24,837.0
1,120.8
17,822.6
5,893.6
6,402.5
905.8
330.8
5,165.8
6,402.5
905.8
330.8
5,165.8
‐74.22
‐19.18
‐98.14
‐12.35
2,890.8
16.2
16.9
108.1
2,749.5
2,890.8
16.2
16.9
108.1
2,749.5
3,653.8
10.6
0.0
378.6
3,264.6
3,653.8
10.6
0.0
378.6
3,264.6
26.40
‐34.20
‐100.00
250.19
18.73
149,659.2
143,274.0
184,682.1
194,488.1
485.8
485.8
1,515.7
1,515.7
212.03
284.5
284.5
0.0
0.0
‐100.00
15,960.6
15,960.6
2,053.1
2,053.1
‐87.14
24,090.8
24,090.8
2,567.2
2,567.2
‐89.34
0.0
0.0
0.0
0.0
141,730.2
141,730.2
185,683.8
185,683.8
COMISIONES
OTROS PRODUCTOS
OTROS GASTOS
GASTOS DIVERSOS
Arrendamientos
Otros Gastos
0.0
6,385.2
N/A
0.0
‐9,805.9
N/A
23.40
N/A
31.01
RAP: Cuentas de Estado de Resultado
Comparativo Marzo 2010 ‐ 2011
DESCRIPCION PRODUCTOS FINANCIEROS Inversiones Temporales Préstamos Interinos
Cartera en Administración
Letras del BCH
Bonos del Estado
Interés Línea de Inversión
Bonos Vivienda para la Gente
Ingreso Por Disponibilidades (Ctas. Corrientes)
Linea de Crédito
Bonos de Inversión
OTROS INGRESOS Otros Ingresos
Ingresos por Reintegro de Reservas
GASTOS FINANCIEROS Intereses S/Cotizaciones Obrero Patronal
Negociación de Títulos Valores
Primas sobre bonos
Comisiones Cartera de Administración
Otros Gastos Financieros
Comisiones sobre Devoluciones
Comisión por Compra de Bonos
Comisiones Pagadas Por Recaudaciones
Utilidad Financiera = total Ingresos Financieros ‐ Egresos Financieros Gastos Operativos
Gastos de Operación Gastos Por Depreciación
Edificios
Mobiliario y Equipo de Oficina
Sistemas de Informática
Vehículos Instalaciones
Otros Activos Reserva de Créditos de dudosa recuperación
GASTOS E INGRESOS NO OPERACIONALES Ingresos Extraordinarios y de Ejercicios Anteriores Gastos Extraordinarios y de Ejercicios Anteriores
Subsidios Otorgados EXCEDENTES DEL PERIODO 2010
2011
175,843.8
196,986.2
40,598.2
35,327.1
2,726.7
2,243.7
2,235.4
1,939.8
0.0
3,979.4
15,985.1
31,415.3
18,037.4
12,052.3
13,653.2
13,406.9
1,795.7
2,598.9
0.0
0.0
66,513.4
78,662.4
14,298.8
15,360.3
2,823.4 2,522.9
2,823.4
2,522.9
0.0
0.0
36,271.4
40,685.5
33,646.5
37,863.9
0.0
169.6
21.5
21.5
531.8
436.9
11.5
16.2
136.0
95.2
0.0
169.6
1,924.0
2,082.1
139,572.4 156,300.6
19,904.4 19,762.5
12,531.7
12,494.5
7,372.7
7,267.9
300.9
300.9
130.1
107.3
261.3
247.6
53.5
53.3
375.4
307.5
1.5
1.5
6,250.0
6,250.0
3,244.8
‐1,350.9
6,198.6
9.1
16.6
0.0
2,937.2
1,360.0
125,736.3
137,710.1
12.0
‐13.0
‐17.7
‐13.2
N/A
96.5
‐33.2
‐1.8
44.7
N/A
18.3
7.4
‐10.6
‐10.6
N/A
12.2
12.5
N/A
0.0
‐17.9
40.9
‐30.0
N/A
8.2
12.0
‐0.7
‐0.3
‐1.4
0.0
‐17.5
‐5.3
‐0.4
‐18.1
‐1.8
0.0
‐141.6
‐99.9
‐100.0
‐53.7
9.5
POSICIÓN DEL SISTEMA ASEGURADOR
Regresar
Activos
Capital y Reservas Patrimoniales
Primas Netas Retenidas
INSTITUCIONES
ATLANTIDA
HSBC
PALIC
INTERAMERICANA
CONTINENTAL ASEGURADORA CREFISA
DEL PAIS
EQUIDAD CUSCATLAN AMERICAN LAFISE
TOTAL
Utilidad
Rentabilidad (sobre primas)
Saldo
Posición
Saldo
Posición
Saldo
Posición
Saldo
Posición
Saldo
Posición
1,636.5
1,605.4
1,265.5
1,460.3
927.9
648.8
664.5
371.7
229.3
264.3
278.5
139.6
1
2
4
3
5
7
6
8
11
10
9
12
181.9
110.6
118.6
170.0
26.9
109.7
95.3
41.0
27.6
31.8
15.3
28.6
1
4
3
2
11
5
6
7
10
8
12
9
558.4
411.5
48.0
393.2
141.5
97.2
213.8
107.8
115.0
84.9
46.9
83.1
1
2
11
3
5
8
4
7
6
9
12
10
477.4
606.0
807.3
335.2
320.8
204.9
146.3
82.5
43.8
25.4
40.5
27.8
3
2
1
4
5
6
7
8
9
12
10
11
55.6
12.4
12.8
25.6
14.3
3.3
11.2
16.8
5.1
12.9
0.5
3.2
1
7
6
2
4
10
8
3
9
5
12
11
9,492.3
957.4
2,301.3
3,117.9
Porcentaje
30.56
11.24
10.77
15.03
53.19
3.02
11.72
41.05
18.41
40.68
3.25
11.08
173.6
Posición
4
8
10
6
1
12
7
2
5
3
11
9
18.14
Incluye Reservas Matemáticas, Riesgo en Curso, Previsionales, Catastroficas y Especiales
Primas Netas Retenidas
millones de Lempiras
200
181.9
170.0
118.6
110.6
150
109.7
95.3
100
41.0
27.6
26.9
50
31.8
28.6
15.3
LA
FI
SE
AM
ER
IC
AN
CU
SC
AT
LA
N UI
DA
D
EQ
L P
AI
S
DE
CR
EF
IS
A
A RA
DO
R
AS
EG
U
CO
NT
IN
EN
TA
L IC
AN
A
IN
TE
RA
M
ER
PA
LIC
H
SB
C
0
AT
LA
NT
ID
A
1/
Reservas 1/
SISTEMA ASEGURADOR
Regresar
CONCEPTO
2010
2011
Margen de Solvencia Patrimonio Técnico de Solvencia (PTS)
1,029.7
1,099.9
Patrimonio Técnico Neto (PTN)
3,116.1
3,623.2
PTN / PTS 3.0
3.3
Cobertura de las Inversiones
Recursos de Inversión (RI)
4,227.9
4,361.8
Inversiones Adecuadas a Reglamento (IAR)
IAR / RI 4,735.8
5,425.1
1.1
1.2
Siniestralidad Siniestros Retenidos (SR)
341.9 440.5
Primas Netas Retenidas (PNR)
869.5 957.4
SR / PNR (%)
39.3 46.0
Rentabilidad sobre Primas Netas Retenidas
Utilidad del Período / Primas Netas Retenidas (%)
22.60 18.14
VIDA
Reservas Riesgo en Curso y Matemáticas 1,333.0
1,441.6
ACCIDENTES
35.3 43.4
DAÑOS
1,320.3
1,479.6
FIANZAS
25.9 31.2
TOTAL
2,714.5
2,995.9
SISTEMA ASEGURADOR
BALANCE GENERAL CONDENSADO
Al 31 de Marzo de cada año
Regresar
(En miles de lempiras)
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
426,351.6
744,431.2
74.6
4,596,997.0
5,244,531.8
14.1
704,347.4
541,241.8
‐23.2
Primas por Cobrar
1,357,333.3
1,418,269.3
4.5
Deudas a Cargo de Reaseguradores y Reafianzadores
1,101,804.1
900,540.6
‐18.3
184,097.6
265,889.6
44.4
796.7
2,073.4
160.3
Activo Fijo
224,151.8
221,630.4
‐1.1
Cargos Diferidos
172,691.2
153,646.5
‐11.0
8,768,570.5
9,492,254.5
8.3
Prestamos
Otros Activos
Activos Eventuales
Total Activo (neto)
Contingentes y Compromisos Deudores
4,475,019.3
5,750,645.5
28.5
11,545,463,458.5
4,301,523,564.2
‐62.7
0.0
0.0
152,199.4
163,260.9
7.3
Reservas para Siniestros
1,049,761.7
1,069,744.0
1.9
Reservas Tecnicas y Matematicas
2,838,201.6
3,117,936.8
9.9
Cuentas de Orden y Registro
PASIVO
Obligaciones con Asegurados
Obligaciones con Reaseguradores y Reafianzadores
912,023.6
767,268.7
‐15.9
Obligaciones Financieras
85,498.1
18,639.5
‐78.2
Obligaciones con Intermediarios
86,852.2
128,823.2
48.3
Cuentas por Pagar
216,312.5
242,787.0
12.2
Otros Pasivos
113,379.5
137,258.4
21.1
48,372.4
88,134.8
82.2
Total Pasivo
5,502,601.0
5,733,853.3
4.2
Patrimonio
0.0
0.0
2,000,805.1
2,091,756.0
4.5
184,805.3
209,544.3
13.4
15,287.8
15,287.8
0.0
Resultados Acumulados
868,558.3
1,268,164.4
46.0
Resultado Neto del Ejercicio
196,512.9
173,648.8
‐11.6
Creditos Diferidos
Capital Social
Reservas de Capital
Excedentes por Revaluacion
Total Patrimonio
3,265,969.4
3,758,401.3 15.08 Total Pasivo mas Patrimonio
8,768,570.5
9,492,254.5 8.25 Contingentes y Compromisos Acreedores
Contracuenta de Todas las Cuentas de Orden
4,475,019.3
5,750,645.5 28.51 11,545,463,458.5
4,301,523,564.2 ‐ 62.74 HSBC SEGUROS
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
Prestamos
33,940.9
47,506.7
40.0
818,754.5
1,058,734.9
29.3
0.0
0.0
0.0
Primas por Cobrar
223,859.0
206,760.6
‐7.6
213,845.8
124,877.3
‐41.6
26,612.1
48,022.4
80.5
171.4
79.1
‐53.8
Activo Fijo
86,675.2
65,116.5
‐24.9
Cargos Diferidos
56,807.0
54,275.1
‐4.5
1,460,665.9
1,605,372.6
9.9
38,796.2
225.0
‐99.4
291,158,518.3
149,460,824.2
‐48.7
0.0
0.0
7,970.1
8,211.8
3.0
Otros Activos
Activos Eventuales
Total Activo (neto)
PASIVO
81,132.5
81,703.3
0.7
586,203.7
606,007.5
3.4
183,268.3
115,318.4
‐37.1
9,857.7
2,699.2
‐72.6
23,694.7
22,979.4
‐3.0
Cuentas por Pagar
27,278.9
20,431.8
‐25.1
Otros Pasivos
22,777.5
41,498.2
82.2
2,640.9
29,685.8
1,024.1
Total Pasivo
944,824.2
928,535.3
‐1.7
Patrimonio
0.0
0.0
364,800.0
364,800.0
0.0
38,360.3
46,701.8
21.7
0.0
0.0
0.0
95,904.5
252,905.3
163.7
16,776.9
12,430.1
‐25.9
515,841.6
676,837.3
31.2
1,460,665.9
1,605,372.6
9.9
38,796.2
225.0
‐99.4
291,158,518.3
149,460,824.2
‐48.7
Creditos Diferidos
Capital Social
Reservas de Capital
Total Patrimonio
Total Pasivo mas Patrimonio
Contingentes y Compromisos Acreedores
PALIC
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
22,021.0
16,463.9
‐25.2
987,920.9
980,426.9
‐0.8
55,557.9
47,483.9
‐14.5
6,251.2
6,565.4
5.0
91,704.8
163,157.8
77.9
Otros Activos
18,003.1
35,334.8
96.3
Prestamos
Primas por Cobrar
Activos Eventuales
Activo Fijo
Cargos Diferidos
Total Activo (neto)
0.0
0.0
0.0
11,580.4
10,531.0
‐9.1
2,904.1
5,571.2
91.8
1,195,943.2
1,265,534.9
5.8
60,141.4
73,754.7
22.6
54,404,918.7
55,522,655.3
2.1
0.0
0.0
19,649.7
15,946.3
‐18.8
84,669.5
133,707.0
57.9
763,294.6
807,290.2
5.8
8,591.3
7,802.5
‐9.2
0.0
2,242.7
938.6
5,619.1
498.7
7,440.0
7,756.5
4.3
29,953.5
29,520.2
‐1.4
6,653.2
9,553.8
43.6
Total Pasivo
921,190.4
1,019,438.2
10.7
Patrimonio
0.0
0.0
40,000.0
40,000.0
0.0
8,000.0
8,000.0
0.0
0.0
0.0
0.0
201,676.0
185,325.2
‐8.1
25,076.8
12,771.4
‐49.1
274,752.9
246,096.7
‐10.4
1,195,943.2
1,265,534.9
5.8
60,141.4
73,754.7
22.6
54,404,918.7
55,522,655.3
2.1
PASIVO
Cuentas por Pagar
Otros Pasivos
Creditos Diferidos
Capital Social
Reservas de Capital
Total Patrimonio
#¡DIV/0!
ASEGURADORA MUNDIAL
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
7,001.3
12,494.7
78.5
217,602.1
315,987.1
45.2
28,691.9
19,931.6
‐30.5
Primas por Cobrar
206,473.7
148,987.2
‐27.8
254,645.7
88,204.5
‐65.4
17,394.7
24,012.7
38.0
Prestamos
Otros Activos
0.0
0.0
0.0
Activo Fijo
Activos Eventuales
21,414.7
19,337.7
‐9.7
Cargos Diferidos
17,914.2
19,801.9
10.5
771,138.3
648,757.4
‐15.9
Total Activo (neto)
PASIVO
1,416,644.4
1,845,727.5
30.3
46,120,144.0
47,780,471.0
3.6
0.0
0.0
13,269.3
19,467.1
46.7
149,165.8
130,278.7
‐12.7
156,322.6
204,882.2
31.1
253,242.2
108,656.8
‐57.1
0.0
0.0
0.0
3,275.9
11,621.1
254.8
25,166.1
38,278.2
52.1
Cuentas por Pagar
Otros Pasivos
949.3
4,614.8
386.1
8,149.5
8,280.0
1.6
Total Pasivo
609,540.8
526,078.9
‐13.7
Patrimonio
0.0
0.0
92,300.0
92,300.0
0.0
4,852.0
4,852.0
0.0
0.0
0.0
0.0
60,557.9
22,209.1
‐63.3
3,887.6
3,317.4
‐14.7
Total Patrimonio
161,597.5
122,678.5
‐24.1
771,138.3
648,757.4
‐15.9
1,416,644.4
1,845,727.5
30.3
46,120,144.0
47,780,471.0
3.6
Creditos Diferidos
Capital Social
Reservas de Capital
INTERAMERICANA
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
18,680.9
76,155.3
307.7
461,345.4
428,252.1
‐7.2
79,200.9
83,242.1
5.1
Primas por Cobrar
372,330.0
478,179.9
28.4
351,096.3
296,717.2
‐15.5
20,609.8
37,054.3
79.8
Prestamos
Otros Activos
0.0
0.0
0.0
Activo Fijo
Activos Eventuales
41,757.3
36,001.7
‐13.8
Cargos Diferidos
32,361.8
24,656.2
‐23.8
1,377,382.3
1,460,258.7
6.0
Total Activo (neto)
PASIVO
1,215,870.1
1,581,120.9
30.0
175,418,623.9
215,501,189.3
22.8
0.0
0.0
10,727.4
17,611.2
64.2
383,244.6
318,750.6
‐16.8
299,511.3
335,217.5
11.9
137,816.3
160,818.3
16.7
8,060.0
13,693.1
69.9
22,889.0
27,131.0
18.5
Cuentas por Pagar
38,855.0
52,685.9
35.6
Otros Pasivos
2,694.1
0.0
0.0
Creditos Diferidos
3,594.8
5,236.0
45.7
Total Pasivo
907,392.3
931,143.5
2.6
Patrimonio
0.0
0.0
314,000.0
385,000.0
22.6
12,295.3
8,187.7
‐33.4
0.0
0.0
0.0
121,083.4
110,370.4
‐8.8
22,611.3
25,557.0
13.0
469,990.0
529,115.1
12.6
1,377,382.3
1,460,258.7
6.0
Capital Social
Reservas de Capital
Total Patrimonio
1,215,870.1
1,581,120.9
30.0
175,418,623.9
215,501,189.3
22.8
AMERICAN
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
2,219.1
10,449.2
370.9
119,871.0
131,372.3
9.6
0.0
0.0
0.0
Primas por Cobrar
63,363.0
48,857.3
‐22.9
17,604.1
80,516.6
357.4
1,613.0
3,197.8
98.2
Prestamos
Otros Activos
0.0
0.0
0.0
Activo Fijo
Activos Eventuales
3,693.4
3,364.3
‐8.9
Cargos Diferidos
3,232.3
783.3
‐75.8
211,595.9
278,540.8
31.6
Total Activo (neto)
PASIVO
0.0
0.0
0.0
10,323,834,998.5
3,395,827,016.2
‐67.1
0.0
0.0
853.1
732.1
‐14.2
25,347.4
80,980.4
219.5
37,773.5
40,512.7
7.3
25,941.3
28,908.2
11.4
0.0
0.0
0.0
5,826.3
5,385.5
‐7.6
Cuentas por Pagar
4,472.2
6,008.5
34.4
Otros Pasivos
121.5
231.5
90.4
1,094.2
1,351.9
23.5
Total Pasivo
101,429.3
164,110.7
61.8
Patrimonio
0.0
0.0
40,000.0
40,000.0
0.0
6,546.2
6,896.2
5.3
0.0
0.0
0.0
60,410.0
67,036.0
11.0
3,210.3
497.9
‐84.5
Total Patrimonio
110,166.5
114,430.1
3.9
211,595.9
278,540.8
31.6
Creditos Diferidos
Capital Social
Reservas de Capital
0.0
0.0
0.0
10,323,834,998.5
3,395,827,016.2
‐67.1
CONTINENTAL
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
153,371.1
285,316.3
86.0
220,287.9
284,470.0
29.1
Prestamos
284,641.7
207,008.6
‐27.3
Primas por Cobrar
98,099.5
34,826.9
‐64.5
44,537.8
38,302.0
‐14.0
Otros Activos
28,678.4
38,127.0
32.9
Activos Eventuales
625.3
238.2
‐61.9
Activo Fijo
28,528.3
27,153.0
‐4.8
Cargos Diferidos
12,550.1
12,457.9
‐0.7
871,320.1
927,899.9
6.5
Total Activo (neto)
345,065.3
373,900.4
8.4
63,608,492.6
56,843,099.9
‐10.6
0.0
0.0
26,286.8
22,806.4
‐13.2
103,673.5
106,263.4
2.5
326,150.4
320,841.6
‐1.6
34,284.0
37,576.2
9.6
0.0
4.5
9,249.2
8,330.9
‐9.9
Cuentas por Pagar
15,054.1
22,764.1
51.2
Otros Pasivos
10,923.7
11,123.3
1.8
3,334.6
2,327.3
‐30.2
Total Pasivo
528,956.4
532,037.8
0.6
Patrimonio
0.0
0.0
100,000.0
100,000.0
0.0
Reservas de Capital
38,711.7
41,479.3
7.1
15,287.8
15,287.8
0.0
172,199.8
224,784.2
30.5
16,164.4
14,310.8
‐11.5
Total Patrimonio
342,363.7
395,862.1
15.6
871,320.1
927,899.9
6.5
PASIVO
Creditos Diferidos
Capital Social
#¡DIV/0!
345,065.3
373,900.4
8.4
63,608,492.6
56,843,099.9
‐10.6
ATLÁNTIDA
Variación (%) CONCEPTO
2010
2011
11/10
ACTIVO
Disponibilidades
33,050.8
188,347.0
469.9
936,522.9
992,859.2
6.0
Prestamos
175,398.2
113,013.3
‐35.6
Primas por Cobrar
265,065.4
284,314.1
7.3
35,811.7
12,143.4
‐66.1
Otros Activos
30,015.7
29,164.5
‐2.8
Activos Eventuales
Activo Fijo
Cargos Diferidos
Total Activo (neto)
PASIVO
0.0
0.0
0.0
13,584.9
12,927.2
‐4.8
4,038.0
3,766.6
‐6.7
1,493,487.6
1,636,535.4
9.6
271,059.0
145,318.9
‐46.4
253,960,692.5
64,327,131.1
‐74.7
0.0
0.0
29,386.4
21,870.3
‐25.6
114,184.3
81,544.3
‐28.6
427,948.5
477,423.7
11.6
170,054.1
161,335.7
‐5.1
67,580.5
0.0
0.0
9,908.6
32,016.4
223.1
Cuentas por Pagar
32,948.8
27,084.2
‐17.8
Otros Pasivos
10,960.5
89.4
‐99.2
4,673.5
7,637.6
63.4
Total Pasivo
867,645.1
809,001.6
‐6.8
Patrimonio
0.0
0.0
500,000.0
500,000.0
0.0
47,670.4
58,449.3
22.6
0.0
0.0
0.0
8,712.1
213,511.0
2,350.7
69,459.9
55,573.5
‐20.0
625,842.4
827,533.8
32.2
1,493,487.6
1,636,535.4
9.6
Creditos Diferidos
Capital Social
Reservas de Capital
Total Patrimonio
271,059.0
145,318.9
‐46.4
253,960,692.5
64,327,131.1
‐74.7
CREFISA
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
30,363.9
48,289.4
59.0
311,756.3
359,838.3
15.4
Prestamos
69,211.3
58,576.7
‐15.4
Primas por Cobrar
22,541.4
108,336.4
380.6
15,067.7
49,286.7
227.1
Otros Activos
20,031.6
15,160.2
‐24.3
Activos Eventuales
Activo Fijo
Cargos Diferidos
Total Activo (neto)
0.0
1,756.1
7,130.7
7,595.1
#¡DIV/0!
6.5
14,336.7
15,679.7
9.4
490,439.7
664,518.6
35.5
696,296.9
1,352,038.9
94.2
73,326,196.0
134,274,288.8
83.1
0.0
0.0
31,425.9
45,479.2
44.7
38,226.8
74,331.5
94.4
110,701.6
146,306.0
32.2
43,770.8
85,011.4
94.2
0.0
0.0
0.0
3,792.1
4,713.9
24.3
Cuentas por Pagar
12,588.8
14,769.9
17.3
Otros Pasivos
11,975.2
23,069.4
92.6
3,883.8
8,630.0
122.2
Total Pasivo
256,365.0
402,311.2
56.9
Patrimonio
0.0
0.0
178,000.0
196,866.0
10.6
14,987.1
16,946.5
13.1
0.0
0.0
0.0
28,866.2
37,228.5
29.0
12,221.4
11,166.4
‐8.6
Total Patrimonio
234,074.7
262,207.4
12.0
490,439.7
664,518.6
35.5
PASIVO
Creditos Diferidos
Capital Social
Reservas de Capital
696,296.9
1,352,038.9
94.2
73,326,196.0
134,274,288.8
83.1
SEGUROS EQUIDAD
2010
2011
11/10
ACTIVO
Disponibilidades
12,645.6
18,923.9
49.6
145,577.1
137,970.2
‐5.2
0.0
0.0
0.0
Primas por Cobrar
20,464.2
14,635.4
‐28.5
18,957.0
5,321.2
‐71.9
7,241.2
7,111.2
‐1.8
Prestamos
Otros Activos
Activos Eventuales
Activo Fijo
Cargos Diferidos
Total Activo (neto)
0.0
0.0
0.0
3,530.1
32,871.7
831.2
23,450.6
12,442.0
‐46.9
231,865.9
229,275.7
‐1.1
166,069.6
18,840.1
‐88.7
99,698,292.5
24,610,380.0
‐75.3
0.0
0.0
3,921.9
4,033.4
2.8
13,785.4
12,221.3
‐11.3
33,293.9
43,821.1
31.6
13,235.0
6,904.2
‐47.8
0.0
0.0
0.0
0.0
0.0
0.0
23,543.3
22,376.1
‐5.0
PASIVO
Cuentas por Pagar
Otros Pasivos
635.5
395.4
‐37.8
1,237.4
739.4
‐40.2
Total Pasivo
89,652.5
90,490.7
0.9
Patrimonio
0.0
0.0
109,790.0
109,790.0
0.0
4,820.4
5,258.1
9.1
0.0
0.0
0.0
21,945.0
18,655.4
‐15.0
5,658.0
5,081.5
‐10.2
Total Patrimonio
142,213.4
138,785.0
‐2.4
231,865.9
229,275.7
‐1.1
166,069.6
18,840.1
‐88.7
99,698,292.5
24,610,380.0
‐75.3
Creditos Diferidos
Capital Social
Reservas de Capital
DEL PAÍS
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
19,101.2
23,905.4
25.2
201,611.6
226,326.6
12.3
Prestamos
11,645.5
11,985.7
2.9
Primas por Cobrar
69,045.8
68,007.5
‐1.5
49,192.8
26,492.7
‐46.1
Otros Activos
12,473.7
9,244.7
‐25.9
0.0
0.0
0.0
Activo Fijo
Activos Eventuales
3,087.9
3,583.3
16.0
Cargos Diferidos
2,248.5
2,146.5
‐4.5
368,407.1
371,692.4
0.9
Total Activo (neto)
PASIVO
265,076.3
359,719.1
35.7
116,764,956.3
122,373,941.7
4.8
0.0
0.0
8,605.0
6,466.1
‐24.9
48,104.8
31,146.1
‐35.3
73,356.3
82,457.0
12.4
38,228.4
37,995.9
‐0.6
0.0
0.0
0.0
2,668.3
4,015.3
50.5
Cuentas por Pagar
3,156.3
3,267.6
3.5
Otros Pasivos
21,397.0
25,936.5
21.2
Creditos Diferidos
12,535.9
13,657.5
8.9
Total Pasivo
208,052.0
204,942.0
‐1.5
Patrimonio
0.0
0.0
100,000.0
100,000.0
0.0
5,618.5
7,769.0
38.3
0.0
0.0
0.0
41,278.0
42,139.0
2.1
13,458.6
16,842.4
25.1
Total Patrimonio
160,355.1
166,750.4
4.0
368,407.1
371,692.4
0.9
265,076.3
359,719.1
35.7
116,764,956.3
122,373,941.7
4.8
Capital Social
Reservas de Capital
SEGUROS CUSCATLAN
2010
2011
11/10
ACTIVO
Disponibilidades
91,099.7
15,109.3
‐83.4
98,674.2
222,712.6
125.7
0.0
0.0
0.0
Primas por Cobrar
5,699.1
4,855.8
‐14.8
2,828.3
1,579.7
‐44.1
Otros Activos
1,226.6
17,901.5
1,359.4
Prestamos
0.0
0.0
0.0
Activo Fijo
Activos Eventuales
1,348.2
1,244.9
‐7.7
Cargos Diferidos
1,205.7
904.8
‐25.0
202,081.9
264,308.7
30.8
Total Activo (neto)
PASIVO
Cuentas por Pagar
0.0
0.0
0.0
45,212,991.0
28,770,567.8
‐36.4
0.0
0.0
103.8
109.0
5.0
8,227.2
16,468.2
100.2
16,512.2
25,392.6
53.8
1,459.9
2,990.3
104.8
0.0
0.0
0.0
4,142.0
4,254.5
2.7
23,856.6
24,089.0
1.0
Otros Pasivos
696.7
394.8
‐43.3
Creditos Diferidos
452.6
444.9
‐1.7
Total Pasivo
55,451.0
74,143.2
33.7
Patrimonio
0.0
0.0
78,915.1
80,000.0
1.4
2,940.5
4,916.0
67.2
0.0
0.0
0.0
55,870.3
92,318.6
65.2
8,904.9
12,930.9
45.2
Total Patrimonio
146,630.9
190,165.5
29.7
202,081.9
264,308.7
30.8
Capital Social
Reservas de Capital
0.0
0.0
0.0
45,212,991.0
28,770,567.8
‐36.4
LAFISE HONDURAS, S.A. BALANCE GENERAL CONDENSADO
CONCEPTO
2010
2011
ACTIVO
Disponibilidades
Prestamos
2,856.1
1,469.9
‐48.5
77,073.1
105,581.5
37.0
0.0
0.0
0.0
Primas por Cobrar
4,140.9
13,942.7
236.7
6,512.1
13,941.4
114.1
197.5
1,558.6
689.1
0.0
0.0
0.0
Activo Fijo
1,820.7
1,904.1
4.6
Cargos Diferidos
1,642.2
1,161.3
‐29.3
94,242.6
139,559.5
48.1
0.0
0.0
0.0
1,954,634.2
6,231,999.0
218.8
0.0
0.0
0.0
528.2
Otros Activos
Activos Eventuales
Total Activo (neto)
PASIVO
0.0
0.0
2,349.2
0.0
7,133.0
27,784.7
289.5
2,131.8
13,951.0
554.4
0.0
0.0
0.0
467.7
2,756.2
489.3
Cuentas por Pagar
1,952.5
3,275.2
67.7
Otros Pasivos
295.0
384.9
30.5
Creditos Diferidos
122.0
590.7
384.0
Total Pasivo
12,102.0
51,620.0
326.5
Patrimonio
0.0
0.0
83,000.0
83,000.0
0.0
Reservas de Capital
2.9
88.5
2,952.0
0.0
0.0
0.0
55.1
1,681.7
2,952.0
(917.3)
3,169.3
‐445.5
Total Patrimonio
82,140.7
87,939.5
7.1
94,242.6
139,559.5
48.1
0.0
0.0
0.0
1,954,634.2
6,231,999.0
218.8
Capital Social
SISTEMA ASEGURADOR
ESTADO DE RESULTADOS CONDENSADO
CONCEPTO
2010
2011
INGRESOS
Primas
1,773,901.6
1,899,990.3
7.1
Comisiones y Participaciones por Reaseguro Cedido
110,924.1
123,497.5
11.3
Liberacion de Reservas Tecnicas
584,011.9
645,452.7
10.5
Siniestros y Gastos de Liquidacion Recuperados
170,959.1
295,534.5
72.9
Salvamentos y Recuperaciones
27,885.6
34,033.5
22.0
Ingresos Tecnicos Diversos
34,627.0
59,272.6
71.2
126,443.9
106,216.0
‐16.0
6,047.5
6,231.4
3.0
800.5
1,603.8
100.4
2,784.3
631.3
‐77.3
2,838,385.7
3,172,463.7
11.8
Siniestros y Gastos de Liquidacion
559,174.6
785,365.6
40.5
Primas Cedidas
520,557.2
606,976.2
16.6
Constitucion de Reservas Tecnicas
667,870.8
728,650.5
9.1
Gastos de Intermediacion
121,527.3
133,573.7
9.9
Devoluciones y Cancelaciones de Primas
383,879.9
335,598.1
‐12.6
2,666.8
1,203.2
‐54.9
119,261.1
123,390.7
3.5
16,137.5
13,776.5
‐14.6
208,348.2
225,920.7
8.4
Egresos Extraordinarios
921.9
1,800.5
95.3
Gastos de Ejercicios Anteriores
988.1
1,032.9
4.5
40,539.5
41,526.5
2.4
Ingresos Financieros
Otros Ingresos
Ingresos Extraordinarios
Ingresos de Ejercicios Anteriores
TOTAL DE INGRESOS
EGRESOS
Participaciones de Reaseguradores y Reafianzadores
Gastos Tecnicos Diversos
Gastos Financieros
Gastos de Administracion
Impuesto Sobre la Renta
TOTAL EGRESOS
UTILIDAD O (PERDIDA) DEL EJERCICIO
2,641,872.8
196,512.9
2,998,815.0 13.51 173,648.8
‐11.6
HSBC SEGUROS
CONCEPTO
2010
2011
193,336.8
192,311.4
‐0.5
9,225.1
5,854.6
‐36.5
74,380.1
67,153.2
‐9.7
14,256.1
16,119.1
13.1
5,208.2
4,783.3
‐8.2
1,191.1
1,238.6
4.0
19,357.7
15,572.1
‐19.6
2,726.0
2,667.7
‐2.1
238.8
82.6
‐65.4
2,612.7
0.0
0.0
322,532.6
305,782.6
‐5.2
62,513.1
63,773.6
2.0
Primas Cedidas
41,987.4
38,750.0
‐7.7
76,124.9
75,046.0
‐1.4
19,358.0
17,050.7
‐11.9
43,098.7
42,946.0
‐0.4
0.0
0.0
0.0
23,700.1
20,171.4
‐14.9
2,300.2
976.5
‐57.5
30,823.8
31,751.3
3.0
285.4
13.5
‐95.3
5.9
0.0
0.0
5,558.3
2,873.5
‐48.3
TOTAL EGRESOS
305,755.7
293,352.4
‐4.1
16,776.9
12,430.1
‐25.9
INGRESOS
Primas
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
PALIC
CONCEPTO
2010
2011
126,942.8
133,412.9
5.1
488.1
497.1
1.9
73,368.3
67,765.2
‐7.6
708.6
49,911.1
6,944.0
0.0
0.0
0.0
7,903.2
7,004.6
‐11.4
21,820.3
17,820.3
‐18.3
88.4
303.6
243.3
0.0
98.8
0.0
0.0
76.4
0.0
231,319.6
276,890.1
19.7
67,581.9
123,745.1
83.1
Primas Cedidas
16,260.7
14,536.2
‐10.6
85,852.0
86,452.0
0.7
15,918.4
19,186.2
20.5
364.7
246.2
‐32.5
0.0
0.0
0.0
1,053.9
2,951.4
180.0
Gastos Financieros
1,084.0
2,271.8
109.6
10,435.4
10,974.0
5.2
1.0
0.0
0.0
57.8
0.3
‐99.5
7,632.9
3,755.5
‐50.8
TOTAL EGRESOS
206,242.8
264,118.6
28.1
25,076.8
12,771.4
‐49.1
INGRESOS
Primas
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
ASEGURADORA MUNDIAL
CONCEPTO
2010
2011
197,305.8
202,704.7
2.7
14,183.1
9,127.0
‐35.6
53,447.1
68,578.1
28.3
27,694.5
19,427.8
‐29.8
1,035.2
3,282.9
217.1
2,004.8
8,729.0
335.4
3,804.2
4,738.8
24.6
256.5
643.6
150.9
2.4
20.8
774.4
0.0
113.8
0.0
299,733.5
317,366.4
5.9
70,910.3
90,559.6
27.7
Primas Cedidas
76,206.4
58,474.9
‐23.3
61,431.1
77,779.4
26.6
15,848.2
12,244.0
‐22.7
31,734.2
34,497.8
8.7
0.0
0.0
0.0
17,445.4
18,072.5
3.6
826.6
1,514.0
83.2
20,480.9
18,995.8
‐7.3
154.6
187.1
21.0
203.9
207.9
2.0
604.3
1,516.2
150.9
295,846.0
314,049.0
6.2
3,887.6
3,317.4
‐14.7
INGRESOS
Primas
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
TOTAL EGRESOS
INTERAMERICANA
CONCEPTO
2010
2011
512,083.6
535,857.7
4.6
33,766.6
56,498.0
67.3
127,712.1
155,179.8
21.5
59,040.1
48,653.2
‐17.6
10,314.7
11,846.2
14.8
2,239.0
2,506.6
11.9
15,384.0
9,791.5
‐36.4
Otros Ingresos
397.1
451.5
13.7
465.1
713.3
53.4
0.0
0.0
0.0
761,402.5
821,497.7
7.9
154,074.1
183,250.9
18.9
Primas Cedidas
179,124.9
238,195.8
33.0
132,657.3
130,317.5
‐1.8
23,124.2
24,330.3
5.2
164,140.3
127,667.8
‐22.2
1,794.0
1,224.0
‐31.8
20,629.3
23,765.8
15.2
8,214.1
2,180.8
‐73.5
50,380.8
54,357.1
7.9
468.9
502.5
7.2
0.0
0.0
0.0
4,183.5
10,148.2
142.6
TOTAL EGRESOS
738,791.2
795,940.6
7.7
22,611.3
25,557.0
13.0
INGRESOS
Primas
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
AMERICAN
CONCEPTO
2010
2011
INGRESOS
Primas
84,544.7
114,520.2
35.5
6,580.0
8,119.3
23.4
11,933.7
12,142.9
1.8
10,646.3
28,102.3
164.0
425.7
256.2
‐39.8
2,380.4
2,860.1
20.1
1,572.8
1,674.9
6.5
Otros Ingresos
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
118,083.7
167,676.0
42.0
14,676.2
34,310.7
133.8
Primas Cedidas
34,303.6
38,727.6
12.9
11,716.3
12,140.1
3.6
3,638.4
5,803.5
59.5
35,866.4
60,453.6
68.6
213.5
72.7
‐66.0
4,033.6
3,958.3
‐1.9
61.8
91.7
48.3
8,991.1
10,857.0
20.8
0.0
762.8
0.0
593.5
0.0
0.0
778.9
0.0
0.0
114,873.4
167,178.0
45.5
3,210.3
497.9
‐84.5
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
TOTAL EGRESOS
CONTINENTAL
CONCEPTO
2010
2011
INGRESOS
Primas
106,582.1
43,047.1
‐59.6
276.9
209.2
‐24.5
48,606.3
45,686.7
‐6.0
9,418.8
18,880.2
100.5
1,577.4
833.6
‐47.2
6,019.0
10,450.8
73.6
16,337.7
14,379.7
‐12.0
2,043.3
1,580.7
‐22.6
0.0
219.6
0.0
0.0
0.0
0.0
190,861.5
135,287.6
‐29.1
34,865.1
44,968.5
29.0
Primas Cedidas
19,220.7
12,431.3
‐35.3
67,912.8
30,119.3
‐55.6
3,069.2
2,773.0
‐9.7
11,158.2
3,710.2
‐66.7
0.0
21.0
0.0
24,162.3
6,473.8
‐73.2
Gastos Financieros
2,445.9
5,166.5
111.2
8,441.8
11,671.4
38.3
8.1
20.8
155.6
0.0
0.4
0.0
3,413.0
3,620.5
6.1
TOTAL EGRESOS
174,697.1
120,976.7
‐30.8
16,164.4
14,310.8
‐11.5
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
ATLÁNTIDA
CONCEPTO
2010
2011
305,664.9
305,266.6
‐0.1
22,151.4
18,381.9
‐17.0
107,000.8
111,913.3
4.6
27,037.8
45,953.2
70.0
5,113.8
6,100.3
19.3
9,391.8
17,870.8
90.3
29,830.4
22,421.5
‐24.8
159.6
168.0
5.3
90.1
0.0
0.0
0.0
389.5
0.0
506,440.7
528,465.2
4.3
79,665.9
105,050.9
31.9
Primas Cedidas
76,919.2
77,124.3
0.3
115,684.1
149,269.9
29.0
19,505.0
27,499.5
41.0
88,308.5
46,265.2
‐47.6
0.0
0.0
0.0
11,896.3
23,873.9
100.7
379.4
364.3
‐4.0
37,318.0
41,476.3
11.1
0.0
0.0
0.0
0.0
0.0
0.0
7,304.4
1,967.3
‐73.1
TOTAL EGRESOS
436,980.8
472,891.6
8.2
69,459.9
55,573.5
‐20.0
INGRESOS
Primas
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
CREFISA
CONCEPTO
2010
2011
INGRESOS
Primas
90,928.3
163,179.8
79.5
9,665.3
8,433.5
‐12.7
46,105.9
53,044.5
15.0
10,704.6
51,682.2
382.8
2,622.1
1,076.3
‐59.0
1,102.7
366.3
‐66.8
7,577.0
8,311.1
9.7
269.8
343.5
27.3
4.2
468.7
11,093.8
0.0
0.0
0.0
168,979.9
286,905.9
69.8
37,008.9
80,502.9
117.5
Primas Cedidas
32,276.9
66,825.3
107.0
47,902.8
78,219.0
63.3
7,004.7
8,153.0
16.4
‐11.8
1,048.5
‐8,976.8
0.0
0.0
0.0
5,701.7
13,600.2
138.5
187.1
766.5
309.7
23,235.2
23,405.1
0.7
3.8
0.0
0.0
0.0
0.0
0.0
3,449.2
3,219.0
‐6.7
TOTAL EGRESOS
156,758.5
275,739.5
75.9
12,221.4
11,166.4
‐8.6
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
SEGUROS EQUIDAD
CONCEPTO
2010
2011
INGRESOS
Primas
27,440.7
31,283.1
14.0
181.3
332.3
83.3
14,051.2
16,960.6
20.7
3,706.3
2,246.5
‐39.4
0.0
0.0
0.0
1,602.0
1,816.6
13.4
3,167.2
2,091.1
‐34.0
68.9
43.7
‐36.5
0.0
0.0
0.0
171.6
35.4
‐79.3
50,389.2
54,809.4
8.8
13,647.7
12,488.0
‐8.5
1,728.5
3,104.1
79.6
15,438.0
18,654.9
20.8
102.3
690.8
575.5
1,393.6
578.0
‐58.5
0.0
0.0
0.0
3,782.5
3,346.6
‐11.5
378.8
264.8
‐30.1
6,945.5
8,342.6
20.1
0.0
0.0
0.0
127.0
801.6
531.4
1,187.4
1,456.4
22.7
TOTAL EGRESOS
44,731.2
49,727.9
11.2
5,658.0
5,081.5
‐10.2
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
Primas Cedidas
Gastos Financieros
DEL PAÍS
CONCEPTO
2010
2011
INGRESOS
Primas
82,125.5
106,400.5
29.6
12,294.9
15,080.4
22.7
18,970.7
22,152.5
16.8
7,674.7
13,415.5
74.8
1,429.5
5,684.1
297.6
721.2
5,969.7
727.8
4,472.4
4,612.4
3.1
31.7
14.5
‐54.4
0.0
0.0
0.0
0.0
0.0
0.0
127,720.5
173,329.6
35.7
18,198.4
33,420.7
83.6
Primas Cedidas
35,313.1
51,044.3
44.5
30,714.4
31,493.4
2.5
6,605.1
6,981.4
5.7
7,662.1
14,331.5
87.0
659.4
‐114.5
‐117.4
4,595.4
4,829.5
5.1
184.2
92.4
‐49.9
6,151.9
7,222.7
17.4
0.0
0.0
0.0
0.0
0.0
0.0
4,177.9
7,185.8
72.0
TOTAL EGRESOS
114,261.9
156,487.2
37.0
13,458.6
16,842.4
25.1
Otros Ingresos
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
SEGUROS CUSCATLAN ESTADO DE RESULTADOS CONDENSADO
CONCEPTO
2010
2011
INGRESOS
Primas
34,691.6
36,126.1
4.1
1,481.4
901.6
‐39.1
8,072.4
18,030.8
123.4
71.2
913.1
1,182.3
159.0
120.6
‐24.2
55.4
403.0
627.1
2,433.7
3,729.2
53.2
Otros Ingresos
6.2
14.5
134.6
0.0
0.0
0.0
0.0
16.1
0.0
46,970.9
60,255.0
28.3
6,033.1
10,776.6
78.6
Primas Cedidas
4,389.0
2,732.5
‐37.7
14,940.8
16,643.0
11.4
6,851.9
5,871.9
‐14.3
165.0
1,603.1
871.8
0.0
0.0
0.0
93.2
1,027.9
1,003.3
Gastos Financieros
65.9
48.0
‐27.1
3,277.4
3,529.3
7.7
0.0
63.8
0.0
0.0
0.2
0.0
2,249.8
5,027.8
123.5
TOTAL EGRESOS
38,066.0
47,324.1
24.3
8,904.9
12,930.9
45.2
TOTAL DE INGRESOS
EGRESOS
SEGUROS LAFISE
CONCEPTO
2010
2011
INGRESOS
Primas
12,254.8
35,880.2
192.8
630.1
62.6
‐90.1
363.3
6,845.3
1,784.4
0.0
230.3
0.0
0.0
50.0
0.0
16.3
56.4
246.1
686.6
1,073.6
56.4
Otros Ingresos
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
13,951.0
44,198.5
216.8
0.0
2,518.1
0.0
Primas Cedidas
2,826.8
5,029.8
77.9
7,496.2
22,515.9
200.4
501.9
2,989.5
495.6
0.0
2,250.3
0.0
0.0
0.0
0.0
2,167.5
1,319.5
‐39.1
9.5
39.3
314.2
1,866.4
3,338.0
78.8
0.0
250.0
0.0
0.0
22.5
0.0
0.0
756.4
0.0
14,868.3
41,029.2
176.0
‐917.3
3,169.3
‐445.5
TOTAL DE INGRESOS
EGRESOS
Gastos Financieros
TOTAL EGRESOS
Sistema Asegurador
Primas Totales
(En Miles de lempiras)
RAMOS
Vida
Vida Individual
Seguro Popular
Vida Colectivo
Seguro de Sepelio
Previsionales, Rentas y Pensiones
Rentas de Invalidez y Sobrevivencia
Sepelio
Otras Rentas
Pensiones
Accidentes y Enfermedades
Accidentes Personales
Accidentes Escolares
Salud y Hospitalizacion
Seguros Generales
Incendio y Lineas Aliadas
Vehiculos Automotores
Otros Seguros Generales
Transporte Terrestre
Transporte Aereo
Transporte Maritimo
Equipo de Contratistas
Equipo Electronico
Rotura de Maquinaria
Calderas
Responsabilidad Civil
Riesgos Profesionales
Dinero y Valores
Banqueros
Aviacion
Casco Maritimo
Montaje
Lucro Cesante
Robo y Hurto
Renta de Alquileres
Agricola
Ganadero
Credito a la Exportacion
Rotura de Cristales
Otros Ramos
Fianzas
Fianzas de Fidelidad
Fianzas de Garantia
Otras Fianzas
Totales
HSBC
PALIC
64,825.97
45,678.93
0.00
19,147.05
0.00
0.00
0.00
0.00
0.00
0.00
13,019.38
1,716.87
0.00
11,302.51
57,544.87
26,593.45
30,951.42
13,975.20
4,217.45
0.00
0.00
2.55
505.67
110.58
0.00
5,348.80
0.00
3,604.36
0.00
0.00
185.78
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
149,365.42
66,405.33
49,001.05
0.00
17,404.28
0.00
0.00
0.00
0.00
0.00
0.00
66,761.38
0.00
0.00
66,761.38
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
133,166.71
ASEGURADORA INTERAMERICANA
37,151.51
6,301.46
0.00
30,850.05
0.00
0.00
0.00
0.00
0.00
0.00
20,607.09
3,229.95
0.00
17,377.14
88,601.02
43,317.47
45,283.55
13,851.91
2,825.70
0.00
0.00
846.61
794.96
25.79
0.00
2,697.15
0.00
2,285.58
0.00
2,530.37
20.12
0.00
0.00
439.90
0.00
0.00
0.00
0.00
‐0.21
1,385.95
7,995.39
0.00
0.00
7,995.39
168,206.92
83,387.97
17,915.34
0.00
65,472.63
0.00
0.00
0.00
0.00
0.00
0.00
88,256.98
4,917.65
0.00
83,339.33
135,006.79
60,100.48
74,906.31
99,457.62
10,349.71
0.00
0.00
842.38
19,172.30
43,271.35
36.67
14,360.83
190.29
1,015.95
0.00
8,487.38
154.57
209.17
0.00
488.76
0.00
749.67
128.60
0.00
0.00
0.00
2,080.54
350.04
375.04
1,355.46
408,189.91
AMERICAN
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
4,860.84
4,860.84
0.00
0.00
21,098.83
13,801.90
7,296.93
28,106.93
39.82
0.00
2,275.79
0.00
0.00
0.00
0.00
4,368.49
209.90
67.18
0.00
1,872.21
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
19,273.55
0.00
0.00
0.00
0.00
54,066.61
CONTINENTAL
14,703.71
8,949.01
0.00
5,754.70
0.00
0.00
0.00
0.00
0.00
0.00
3,985.64
1,411.19
0.00
2,574.45
16,095.67
9,105.73
6,989.94
3,223.02
367.63
0.00
158.37
191.08
418.00
146.36
0.00
761.91
‐70.35
‐302.15
0.00
91.83
1,460.35
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,328.88
788.52
540.35
0.00
39,336.92
ATLANTIDA
53,892.17
304.00
0.00
53,588.17
0.00
0.00
0.00
0.00
0.00
0.00
44,198.76
1,365.60
0.00
42,833.16
135,638.26
49,835.31
85,802.94
24,455.90
4,461.00
17.38
467.15
4,384.60
5,105.29
1,488.31
24.36
1,775.17
2,021.93
1,475.44
0.00
0.00
184.57
0.00
0.00
434.19
0.00
2,571.89
0.00
0.00
44.65
0.00
816.37
360.15
0.00
456.22
259,001.46
CREFISA
21,070.95
5,955.60
0.00
15,115.36
0.00
0.00
0.00
0.00
0.00
0.00
29,666.33
2,274.69
0.00
27,391.65
97,377.14
90,397.44
6,979.70
8,548.46
752.18
0.00
0.00
95.14
603.06
0.00
66.72
381.97
40.19
203.60
0.00
0.00
7.60
0.00
0.00
236.64
0.00
0.00
0.00
0.00
0.00
6,161.37
5,468.38
1,175.59
1,441.52
2,851.26
162,131.27
EQUIDAD
15,598.93
0.00
0.00
15,160.12
438.80
0.00
0.00
0.00
0.00
0.00
3,709.13
100.92
0.00
3,608.21
5,600.85
4,263.69
1,337.16
5,691.41
0.00
0.00
0.00
0.00
246.39
0.00
0.00
0.00
0.00
5,445.02
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
104.75
0.00
0.00
104.75
30,705.07
DEL PAÍS
19,164.59
588.84
0.00
18,575.74
0.00
0.00
0.00
0.00
0.00
0.00
14,510.26
1,392.26
0.00
13,118.00
50,891.99
37,650.66
13,241.32
6,086.29
3,568.38
0.00
322.45
267.75
154.74
0.00
0.00
358.51
220.46
242.89
0.00
17.01
0.00
0.00
0.00
934.11
0.00
0.00
0.00
0.00
0.00
0.00
1,415.91
0.00
0.00
1,415.91
92,069.03
CITI
23,382.88
5.79
0.00
23,377.09
0.00
0.00
0.00
0.00
0.00
0.00
3,251.17
439.71
0.00
2,811.47
318.78
‐224.42
543.20
7,570.15
0.00
0.00
111.96
0.00
5.53
‐9.31
0.00
4.79
0.00
7,251.23
0.00
0.00
0.00
0.00
48.45
150.00
0.00
0.00
0.00
0.00
7.50
0.00
0.00
0.00
0.00
0.00
34,522.99
LAFISE
15,011.16
334.02
0.00
14,677.14
0.00
0.00
0.00
0.00
0.00
0.00
8,014.90
8,014.90
0.00
0.00
10,047.45
4,679.32
5,368.13
375.90
60.19
0.00
0.00
120.75
194.95
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
180.51
180.51
0.00
0.00
33,629.92
Regresar
CONSOLIDADO
414,595.16
135,034.04
0.00
279,122.32
438.80
0.00
0.00
0.00
0.00
0.00
300,841.88
29,724.57
0.00
271,117.30
618,221.65
339,521.05
278,700.60
211,342.80
26,642.05
17.38
3,335.71
6,750.86
27,200.88
45,033.07
127.75
30,057.62
2,612.41
21,289.10
0.00
12,998.80
2,012.98
209.17
48.45
2,683.60
0.00
3,321.56
128.60
0.00
51.94
26,820.87
19,390.73
2,854.81
2,356.92
14,179.00
1,564,392.22
Sistema Asegurador
Siniestros Totales
(En Miles de lempiras)
RAMOS
Seguros de Vida
Vida Individual
Seguro Popular
Vida Colectivo
Seguro de Sepelio
Seguros Previsionales, Rentas y Pensiones
Rentas de Invalidez y Sobrevivencia
Sepelio
Otras Rentas
Pensiones
Accidentes y Enfermedades
Accidentes Personales
Accidentes Escolares
Salud y Hospitalizacion
Seguros Generales
Incendio y Lineas Aliadas
Vehiculos Automotores
Otros Seguros Generales
Transporte Terrestre
Transporte Aereo
Transporte Maritimo
Equipo de Contratistas
Equipo Electronico
Rotura de Maquinaria
Calderas
Responsabilidad Civil
Riesgos Profesionales
Dinero y Valores
Banqueros
Aviacion
Casco Maritimo
Montaje
Lucro Cesante
Robo y Hurto
Renta de Alquileres
Agricola
Ganadero
Credito a la Exportacion
Rotura de Cristales
Otros Ramos
Fianzas
Fianzas de Fidelidad
Fianzas de Garantia
Otras Fianzas
TOTALES
HSBC
17,826.66
12,212.64
0.00
5,614.02
0.00
0.00
0.00
0.00
0.00
0.00
11,242.73
1,036.94
0.00
10,205.79
32,330.81
5,610.26
26,720.55
1,620.20
973.90
0.00
0.00
0.00
61.95
0.00
0.00
0.00
0.00
584.35
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
317.10
7.50
130.53
179.07
63,337.49
PALIC
72,020.58
63,622.96
0.00
8,397.62
0.00
0.00
0.00
0.00
0.00
0.00
39,978.29
117.55
0.00
39,860.74
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
111,998.87
ASEGURADORA
21,937.90
4,617.24
0.00
17,320.66
0.00
0.00
0.00
0.00
0.00
0.00
15,964.95
1,138.33
0.00
14,826.62
43,904.83
10,810.38
33,094.46
4,842.58
5,499.76
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
‐657.18
3,549.58
0.00
0.00
3,549.58
90,199.84
INTERAMERICANA
34,845.05
6,449.92
0.00
28,395.12
0.00
0.00
0.00
0.00
0.00
0.00
53,974.93
1,723.71
0.00
52,251.22
58,691.46
13,938.26
44,753.21
35,739.47
15,308.58
0.00
0.00
0.00
15,385.83
35.03
0.00
13.30
0.00
1,131.98
2,421.61
0.00
190.00
0.00
0.00
710.24
0.00
542.89
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
183,250.91
AMERICAN
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
21,506.35
21,506.35
0.00
0.00
9,098.81
5,263.56
3,835.25
3,705.56
0.00
0.00
2,493.91
0.00
0.00
0.00
0.00
262.65
0.00
4.25
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
944.76
0.00
0.00
0.00
0.00
34,310.71
CONTINENTAL
25,774.85
15,025.80
0.00
10,749.05
0.00
0.00
0.00
0.00
0.00
0.00
5,197.72
1,558.23
0.00
3,639.49
12,823.46
9,326.94
3,496.52
798.01
665.96
0.00
0.00
‐159.42
83.75
0.00
0.00
158.92
0.00
0.00
0.00
0.00
48.79
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
44,594.03
ATLANTIDA
24,487.16
0.00
0.00
24,487.16
0.00
0.00
0.00
0.00
0.00
0.00
22,982.93
1,835.80
0.00
21,147.13
35,718.66
2,809.89
32,908.77
21,858.20
19,689.92
0.00
0.00
0.00
‐6.30
0.00
0.00
87.18
1,152.90
708.24
0.00
0.00
0.00
0.00
0.00
1.78
0.00
210.70
0.00
0.00
13.79
0.00
4.00
4.00
0.00
0.00
105,050.95
CREFISA
16,576.44
900.00
0.00
15,676.44
0.00
0.00
0.00
0.00
0.00
0.00
14,934.41
404.61
0.00
14,529.80
45,821.56
38,366.91
7,454.65
‐287.01
‐288.43
0.00
0.00
0.00
‐0.68
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2.10
0.00
0.00
0.00
0.00
0.00
0.00
‐81.56
0.00
0.00
‐81.56
76,963.83
EQUIDAD
6,702.56
0.00
0.00
6,608.56
94.00
0.00
0.00
0.00
0.00
0.00
3,570.83
0.00
0.00
3,570.83
1,774.96
532.04
1,242.92
439.69
0.00
0.00
0.00
0.00
88.18
0.00
0.00
0.00
0.00
351.51
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
12,488.05
DEL PAÍS
4,277.63
0.00
0.00
4,277.63
0.00
0.00
0.00
0.00
0.00
0.00
6,091.34
2,014.04
0.00
4,077.30
7,774.81
383.47
7,391.34
9,797.31
6,814.01
0.00
0.00
0.00
7.87
0.00
0.00
0.00
0.00
2,900.52
0.00
0.00
0.00
0.00
0.00
74.91
0.00
0.00
0.00
0.00
0.00
0.00
5,479.58
0.00
0.00
5,479.58
33,420.66
CITI
6,583.85
0.00
0.00
6,583.85
0.00
0.00
0.00
0.00
0.00
0.00
1,656.97
472.38
0.00
1,184.60
804.47
‐85.00
889.47
1,731.26
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,731.26
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10,776.55
LAFISE
460.65
299.68
0.00
160.97
0.00
0.00
0.00
0.00
0.00
0.00
57.26
57.26
0.00
0.00
2,000.16
0.00
2,000.16
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
2,518.07
CONSOLIDADO
231,493.31
103,128.24
0.00
128,271.07
94.00
0.00
0.00
0.00
0.00
0.00
197,158.70
31,865.19
0.00
165,293.52
250,743.99
86,956.70
163,787.29
80,245.27
48,663.69
0.00
2,493.91
‐159.42
15,620.61
35.03
0.00
522.05
1,152.90
7,412.11
2,421.61
0.00
238.79
0.00
0.00
789.03
0.00
753.59
0.00
0.00
13.79
287.57
9,268.70
11.50
130.53
9,126.67
768,909.97
BANCO ATLÁNTIDA, S.A.
Regresar
Cargo
Nombre
Junta Directiva y Principales Funcionarios PRESIDENTE
GILBERTO GOLDSTEIN RUBINSTEIN
DIRECTOR
GUILLERMO BUESO ANDURADY
DIRECTOR
CESAR A. BATRES GALEANO
DIRECTOR
ROBERT B. VINELLI REISMAN
DIRECTOR
GUSTAVO OVIEDO TOVAR
DIRECTOR
JOSE RUBEN MENDOZA BARRIENTOS
DIRECTOR
ARTURO H. MEDRANO CASTANEDA
DIRECTOR
LUIS FERNANDO MARTINEZ
SECRETARIO
JOSE FAUSTINO LAINEZ MEJIA
PRESIDENTE EJECUTIVO
GUILLERMO BUESO ANDURAY
BANCO DE HONDURAS, S.A.
Cargo
Nombre
CONSTANTINO GOTSIS
VICE-PRESIDENTE
RENE BECERRA
DIRECTOR
RICHARD KOUYOUMDJIAN
DIRECTOR
EDUARDO MALVIDO
DIRECTOR
LUIS ALBERTO MARIN
DIRECTOR
RENE LOPEZ RODEZNO
SECRETARIO
JOHN J. TUCCI
DIRECTOR SUPLENTE
ESTEBAN MANCUSO
DIRECTOR SUPLENTE
GIJS VELTMAN
COMISARIO
JAIME PEREZ-ARANA
DIRECTOR SUPLENTE
BOB COONS
GERENTE GENERAL
RENE BECERRA
BANCO DE OCCIDENTE, S.A.
Cargo
Nombre
JORGE BUESO ARIAS
VICEPRESIDENTE
EMILIO ROLANDO MEDINA S.
SECRETARIO
MARCO TULIO ALVARADO
VOCAL PROPIETARIO
MANUEL ANDRES MEDINA P.
VOCAL PROPIETARIO
JOSE RAMON BUESO BOESCH
VOCAL PROPIETARIO
CARLOS ROSENTHAL HIDALGO
VOCAL PROPIETARIO
REINERIO CANALES GIRON
VOCAL SUPLENTE
ERNESTO LAZARUS
VOCAL SUPLENTE
FRANCISCO RODRIGUEZ MENDOZA
VOCAL SUPLENTE
JESUS HUMBERTO MEDINA ALVA
VOCAL SUPLENTE
JUAN MANUEL BUESO FIALLOS
VOCAL SUPLENTE
PHILIPPE BERKLING ARAUJO
COMISARIO PROPIETARIO
MARIO ROBERTO SOLIS DACOSTA
COMISARIO SUPLENTE
JORGE ALBERTO PORTILLO
ASESOR
MANUEL VENANCIO BUESO C.
ASESOR
JOSE PINEDA ESCALANTE
GERENTE GENERAL
JORGE BUESO ARIAS
BANCO DE LOS TRABAJADORES
Cargo
Nombre
Consejo de Administración y Principales Funcionarios PRESIDENTE
JOSE ADONIS LAVAIRE FUENTE
VICEPRESIDENTE
RAMON JESUS PONCE SANDOVAL
SECRETARIO
JORGE ALBERTO GUTIERREZ SOTO
VOCAL
GERMAN BACA RODRIGUEZ
VOCAL
MARIA DOLORES MORENO BERTRAND
VOCAL
OSCAR DUBON VARGAS
DIRECTOR INDEPENDIENTE
ISMAEL OLIVA FLORES
DIRECTOR
JOSE ADONIS LAVAIRE FUENTES
DIRECTOR
JORGE ALBERTO GUTIERREZ SOTO
DIRECTOR
JOHN JAVIER INESTROZA
COMISARIO
ROSANA MARIBEL CARRANZA SOTO
COMISARIO
JOSE NILO ALONSO ZUNIGA
GERENTE GENERAL
RENE ARDON MATUTE
BANCO CONTINENTAL, S.A.
Cargo
Nombre
JAIME ROLANDO ROSENTHAL OLIVA
VICEPRESIDENTE
EDWIN MAYER ROSENTHAL OLIVA
VOCAL PROPIETARIO PRIMERO
JOSE ANTONIO PEREZ VASQUEZ
VOCAL PROPIETARIO SEGUNDO
JOSE ANTONIO FERNANDEZ GUZMAN
VOCAL PROPIETARIO TERCERO
CESAR AUGUSTO ROSENTHAL HIDALGO
VOCAL PROPIETARIO CUARTO
MARIO VICTORIO RIETTI MATHEW
VOCAL PROPIETARIO QUINTO
MANUEL ERNESTO GAMERO DURON
VOCAL SUPLENTE PRIMERO
CARLOS ARNOLD BERKLING VOLLMANN
VOCAL SUPLENTE SEGUNDO
RIGOBERTO OMAR ROMERO MARTINEZ
VOCAL SUPLENTE TERCERO
LILIAN HAYDEE MOLINA ROMERO
VOCAL SUPLENTE CUARTO
MAURICIO GABRIEL KATTAN SALEM
VOCAL SUPLENTE QUINTO
MARISSA RIETTI BENDA?A
ASESOR
MIGUEL FACUSSE BARJUM
SECRETARIA
MARIA LUISA PAZ AVELAR
ANGELA CONCEPCION OCHOA MALDONADO
COMISARIO SUPLENTE
ETHEL FIGUEROA DE MEJIA
GERENTE GENERAL
CESAR AUGUSTO ROSENTHAL HIDALGO
BANCO FINANCIERA CENTROAMERICANA, S.A.
Cargo
Nombre
GLORIA FIGUEROA DE LOPEZ ARELLANO
VOCAL PRIMERO
ENRIQUE LOPEZ FIGUEROA
VOCAL SEGUNDO
MARIO BATRES
VOCAL TERCERO
MANUEL ACOSTA BONILLA
VOCAL CUARTO
EDGARDO ESCOTO
SECRETARIO
VILMA BENNATON DE LOPEZ
COMISARIO
JUAN EMILIO AGUIRRE VIDES
VICEPRESIDENTE EJECUTIVO/GERENTE GENERAL
ROQUE RIVERA RIBAS
BANCO HONDUREÑO DEL CAFÉ, S.A.
Cargo
Nombre
MIGUEL ALFONSO FERNANDEZ RAPALO
DIRECTOR PROPIETARIO
RAMON ARNOLD SABILLON REYES
RODIL RIVERA RODIL
MIGUEL ALFONSO FERNANDEZ PEREZ
JOSE ROBERTO MORENO PAZ
JOSE ERDULFO BARILLAS ESCOBAR
DIRECTOR SUPLENTE
OSMAR GIRON CASTILLO
DIRECTOR SUPLENTE
ANTONIO BERNABE SARAVIA MEJIA
COMISARIO SOCIAL PROPIETARIO
CARLOS ALBERTO FAJARDO FERNANDEZ
COMISARIO SOCIAL SUPLENTE
MAURICIO VALENTIN CACERES ZELAYA
GERENTE GENERAL
CESAR ARTURO ZAVALA LOPEZ
BANCO DEL PAIS, S.A.
Cargo
Nombre
JUAN MIGUEL TORREBIARTE
VICEPRESIDENTE
RAMIRO CASTILLO AREVALO
SECRETARIO
LUIS NAPOLEON LARACH
VOCAL
NAPOLEON LARACH JAMIS
VOCAL
JOSE ANTONIO ARZU TINOCO
VOCAL
TOMAS RODRIGUEZ
VOCAL
DIEGO PULIDO
VOCAL
LUIS PRADO
VOCAL
MARCO RAUDALES
DIRECTOR SUPLENTE
GUILLERMO ARIAS
DIRECTOR SUPLENTE
EDGAR GIRON
DIRECTOR SUPLENTE
LUIS LARA
DIRECTOR SUPLENTE
EDGAR CHAVARRIA
DIRECTOR SUPLENTE
BERNARDO YURRITA
DIRECTOR SUPLENTE
LUIS PEDRO FUXET
DIRECTOR SUPLENTE
JUAN CARLOS MARTINEZ
DIRECTOR SUPLENTE
ANABELLA DE BOLANOS
DIRECTOR SUPLENTE
RICARDO ELIAS FERNANDEZ ERICASTILLA
COMISARIO 1
JOSE MANUEL PINEDA SILVA
COMISARIO 2
EDGARDO ELIAS CANAHUATI CANAHUATI
COMISARIO 3
JOHN ELIAS CHAHIN CANAHUATI
SUPLENTE
ALEJANDRO ORTIZ
SUPLENTE
LUIS ZELAYA
SUPLENTE
OSCAR HERNANDEZ
MARIA DEL ROSARIO SELMAN
BANCO FINANCIERA COMERCIAL HONDUREÑA, S.A.
Cargo
Nombre
JORGE ALEJANDRO FARAJ RISHMAGUI
VICEPRESIDENTE
CAMILO ALEJANDRO ATALA FARAJ
DIRECTOR SECRETARIO
JOSE LEONEL GIANNINI KAFIE
DIRECTOR
JORGE ALBERTO FARAJ FARAJ
DIRECTOR
LUIS ALBERTO ATALA FARAJ
DIRECTOR
ELIAS ASFURA
COMISARIO
LUIS ARMANDO BOTTAZZI SUAREZ
DIRECTOR
RALF PIET EEMSING
CAMILO ATALA
GERENTE GENERAL
JAVIER ATALA FARAJ
BANCO LAFISE, S.A.
Cargo
Nombre
ROBERT JOSEPH ZAMORA LLANEZ
VICEPRESIDENTE
MICHAEL CONTRERAS
COMISARIO
ARACELI MONCADA
CONSEJERO I
EDMUNDO DEL CARMEN CUADRA
CONSEJERO II
ROBERTO BOGRAN IDIAQUEZ
CONSEJERO III
ROBERTO SALVADOR PANAYOTTI
CONSEJERO IV
ANA CRISTINA MEJIA DE PEREIRA
GERENTE GENERAL
ARTURO GIACOMIN ZUNIGA
BANCO HSBC HONDURAS, S.A
Cargo
Nombre
ANDREW GENT
VOCAL I
DAVID KENNEY
VOCAL II
MARCELO PEDEMONTE
VOCAL III Y SECRETARIO
LEONARDO CASCO
VOCAL IV
JONATHAN P. HARTLEY
VOCAL V
MARCELO TEXEIRA
COMISARIO
JORGE ALBERTO ALVARADO
SUPLENTE
JOSE MANUEL DOMINGUEZ
SUPLENTE
HENRIQUE FRAYHA
JONATHAN HARTLEY
BANCO PROMERICA, S.A.
Cargo
Nombre
RAMIRO NORBERTO ORTIZ GURDIAN
VICEPRESIDENTE
REYNALDO JOSE HERNANDEZ RUEDA
DIRECTOR PROPIETARIO Y SECRETARIO
JOSE RAUL SABORIO ALVARADO
GUSTAVO ANTONIO RAUDALES RUSH
FRANCISCO EVELIO RODRIGUEZ
COMISARIO
MARIO SEBASTIAN RAPACCIOLI
DIRECTOR EJECUTIVO
GUSTAVO ANTONIO RAUDALES RUSH
BANCO PROCREDIT HONDURAS, S.A.
Cargo
Nombre
GABRIEL ISAAC SCHOR
VICEPRESIDENTE
HELEN ALEXANDER
SECRETARIO
JAIME ESTEBAN PEREZ LEIVA
DIRECTOR SUPLENTE ROTATIVO
JAIME ESTEBAN PEREZ LEIVA
PABLO ALBERTO GONZALEZ
PEDRO ALFREDO ARRIOLA BONJOUR
GERENTE GENERAL
MEIK PROESCHER
BANCO AZTECA DE HONDURAS, S.A.
Cargo
Nombre
LUIS NINO DE RIVERA LAJOUS
SECRETARIO
GABRIEL ALFONSO ROQUENI RELLO
DIRECTOR
CARLOS SEPTIEN MICHEL
DIRECTOR
FEDERICO ALBERTO GERDES WOODWORTH
MARCO ANTONIO SOTOMAYOR JUVERA
COMISARIO
GUILLERMO MANUEL COLIN GARCIA
GERENTE GENERAL
MIGUEL GONZALEZ RAMIREZ
BANCO POPULAR COVELO, S.A.
Cargo
Nombre
GERMAN CONTRERAS
VICEPRESIDENTE
ANALIA NAPKY
DIRECTOR INDEPENDIENTE Y SECRETARIO
JAIME CHAVEZ ALMENDARES
VILMA SIERRA
COMISARIO
ENRIQUE PAREDES
JOHN HENRY FISCHER
MERCEDES DESHON
ALEJANDRO RODRIGUEZ
DIRECTOR SUPLENTE
SERGIO AVILES
DIRECTOR SUPLENTE
LILIANA BOTERO LONDO?O
DIRECTOR SUPLENTE
ENRIQUE OSVALDO FERRARO
GERENTE GENERAL
LUIS FERNANDO GOMEZ GOMEZ
BANCO DE AMERICA CENTRAL HONDURAS, S.A. Cargo
Nombre
ERNESTO CASTEGNARO ODIO
VICEPRESIDENTE
FEDERICO ODIO GONZALEZ
VOCAL SEGUNDO
EUGENIA CASTA?EDA
VOCAL TERCERO
JOSE GERARDO CORRALES BRENES
VOCAL CUARTO
JOSE FERNANDEZ DE LA TORRE
VOCAL QUINTO
JOSE ARTURO ALVARADO SANCHEZ
DIRECTOR SUPLENTE
ERICK CAMPOS
VOCAL SEXTO
ANA MARIA CUELLAR
COMISARIO
JOSE BENJAMIN CALDERON PADOVANI
COMISARIO SUPLENTE
MANUEL MARIN CUBERO
JACOBO NICOLAS ATALA ZABLAH
VICE PRESIDENTE EJECUTIVO
RENE ARTURO SIMON MACHADO
BANCO CITIBANK DE HONDURAS, S.A. Cargo
Nombre
CONSTANTINO GOTSIS
VICEPRESIDENTE
RENE BECERRA
SECRETARIO
JOHN TUCCI
EDUARDO MALVIDO
RICHARD KOUYOUMDJIAN
LUIS ALBERTO MARIN
RENE LOPEZ RODEZNO
DIRECTOR SUPLENTE
GIJS VELTMAN
DIRECTOR SUPLENTE
BOB COONS
DIRECTOR SUPLENTE
ESTEBAN MANCUSO
COMISARIO
JAIME PEREZ ARANA
GERENTE GENERAL
RENE BECERRA
BANCO NACIONAL DE DESARROLLO AGRICOLA
Cargo
Nombre
Junta Directiva y Principales Funcionarios PRESIDENTE JUNTA DIRECTIVA
JACOBO JOSE REGALADO WEIZEMBLUT
VICEPRESIDENTE JUNTA DIRECTIVA
JUAN ANGEL ARTICA RIVERA
JORGE JOHNNY HANDAL HAWIT
VICEPRESIDENTE EJECUTIVO
JOSE BAYARDO SALGADO TERCERO
MINISTRO DE SECRETARIA DE FINANZAS
WILLIAM CHONG WONG
DIRECTOR EJECUTIVO INSTITUTO NACIONAL AGRARIO
CESAR DAVID ADOLFO HAM PE?A
MINISTRO DE SECRETARIA DE INDUSTRIA Y COMERCIO
JOSE FRANCISCO ZELAYA
PRESIDENTE DEL (FENAGH)
LEOPOLDO DURAN PUERTO
VICEPRESIDENTE DEL (FENAGH)
AGENOR NAVAS
COMPAÑIA FINANCIERA, S.A.
Cargo
Nombre
ROGER D. VALLADARES VARELA
VICEPRESIDENTE
JULIAN ARRIAGA BELISLE
SECRETARIO
IRIS LIZETH CASTILLO LOPEZ
VOCAL 1
AMILCAR SANTAMARIA
VOCAL 2
RAMON ZUNIGA UGARTE
VOCAL 3
SERGIO ALEJANDRO MENJIVAR M.
VOCAL 4
GERARDO DE JESUS CHAVEZ MINEROS
VOCAL 5
MOHAND MERZCANI
COMISARIO
JOSE SANTOS RIVERA HERNANDEZ
GERENTE GENERAL
ROGER MAURICIO VALLADARES
FINANCIERA CODIMERSA, S.A.
Cargo
Nombre
WALTER ROBERT DUNAWAY ZALDIVAR
VICEPRESIDENTE
JOSE LUIS PALOMO
SECRETARIA
DELMI PORTILLO ORELLANA
COMISARIO
GERARDO ALFREDO COREA CRUZ
CONSEJERO PROPIETARIO
IRMA ESTHER PEREZ DAVILA
PEDRO JOEL FIALLOS MUNOS
JESUS DAGOBERTO CABALLERO
GERENTE GENERAL
MARCO ANTONIO LUNA
FINANCIERA CREDI Q, S.A.
Cargo
Nombre
JOSE ROBERTO ORELLANA MILLA
VICEPRESIDENTE
JUAN FEDERICO SALAVARRIA PRIETO
PRIMER SUPLENTE
MAURICIO MANUEL CAMARGO MEJIA
SEGUNDO SUPLENTE
JOSE ALEJANDRO PIEDRAHITA TELLO
TERCER SUPLENTE
JORGE ALBERTO LINARES ALARCON
CUARTO SUPLENTE Y SECRETARIO SUPLENTE
LUIS DE JESUS SANDRES ESCOTO
VOCAL CONSEJERO INDEPENDIENTE
MARCO ANTONIO BURGOS MOLINA
SECRETARIO
FEDERICO QUIROS NOLTENIUS
COMISARIO
FEDERICO EDUARDO FIALLOS
GERENTE GENERAL
ERNESTO EMILIO CARIAS CORRALES
ARRENDAMIENTOS Y CREDITOS ATLANTIDA, S.A
Cargo
Nombre
GUSTAVO ANTONIO MARTINEZ CHAVEZ
DIRECTOR
ANA LIA DE NAZAR
DIRECTOR
JUAN MIGUEL ORELLANA
COMISARIO
LUIS ALBERTO PALMA CERRATO
DIRECTOR
GABRIELA GOMEZ DE RODRIGUEZ
GERENTE GENERAL
ANA LIA MEDINA ELVIR DE NAZAR
CORPORACION FINANCIERA INTERNACIONAL, S.A. Cargo
Nombre
MANUEL ENRIQUE CACERES DIAZ
VOCAL I
PEDRO SANTIAGO BORJAS
VOCAL II
HERNAN BERRIOS QUINTEROS
VOCAL III
JOSE ERNESTO LEVA BULNES
SECRETARIO
JUAN MIGUEL CANALES CASTRO
COMISARIO
PERLA CARINA ROJAS QUINONEZ
SUPLENTE
OTILIO SABILLON CANALES
SUPLENTE
JOSE ECLISERIO OLIVA ACOSTA
GERENTE GENERAL
JORGE A. FLORES VALLECILLO
FINANCIERA POPULAR CEIBEÑA, S.A.
Cargo
Nombre
RODOLFO IRIAS NAVAS
VICEPRESIDENTE Y SECRETARIO
GUILLERMO KATTAN
DIRECTOR PRIMERO Y PRESIDENTE EJECUTIVO
RODOLFO IRIAS LOPEZ
DIRECTOR SEGUNDO
OSCAR MORENO MEJIA
DIRECTOR TERCERO
NICOLAS ARIAS SALINAS
DIRECTOR SUPLENTE Y ASESOR DEL CONSEJO
CARLOS A. URBIZO SOLIS
DIRECTOR SUPLENTE
ROBERTO PONCE
DIRECTOR SUPLENTE
JUAN MONTOYA
DIRECTOR SUPLENTE
CARLOS MEJIA BORJAS
DIRECTOR SUPLENTE
ALLAN PADILLA
MARIO ALBERTO SILVA DIAZ
COMISARIO SUPLENTE
NELSON EDMUNDO MEJIA PAZ
FINANCIERA DEL CARIBE, S.A.
Cargo
Nombre
FRANCISCO VEGA KAWAS
SECRETARIO
FRANCISCO GUERRINO SANCHEZ
DIRECTOR
FELIPE SPEER LOPEZ
DIRECTOR
CURBY KIRK WARREN BODDEN
COMISARIO SUPLENTE
KERRY EVANS MC NAB VALLADARES
HERNAN DANILO ZALDIVAR RAPALO
COMISARIO
FRANCISCO ADAIN VEGA WESLEY
DIRECTOR SUPLENTE
EDLYN RODRIGUEZ TORRES
GERENTE GENERAL
FELIPE SPEER LOPEZ
FINANCIERA SOLIDARIA, S.A
Cargo
Nombre
ARTURO ALEMAN BERMUDEZ
VOCAL PRIMERO
MARIO ROBERTO CARRANZA HERNANDEZ
VOCAL SEGUNDO
MIRIAM ANDINO DE RIVERA
VOCAL TERCERO
RAMON ALSINA CALLIZO
VOCAL SUPLENTE I
MANUEL ARNULFO ESCOTO FLORES
VOCAL SUPLENTE II
TITO ANIBAL MEJIA
VOCAL SUPLENTE III
PETER WILHELM FROHMADER
SECRETARIA
MARIA TERESA BOGRAN DE QUESADA
COMISARIO
RICARDO GRANILLO REINA
COMISARIO
ROBERTO MARTINEZ ARIAS
GERENTE GENERAL
FRANCISCO FERNANDO MADRID REYES
FINANCIERA INSULAR, S.A.
Cargo
Nombre
ELDON BURNS HYDE REEVES
VOCAL I
GILBERTO SALVADOR ROSALES BODDEN
VOCAL II
JOSE LUIS CANELAS CANO
SECRETARIO
FOSLIN OSGOOD GRANT ANDERSON
COMISARIO
PEDRO ENRIQUE PINEDA
GERENTE GENERAL
JOSE LUIS CANELAS CANO
FINANCIERA FINCA, S.A.
Cargo
Nombre
YURIY SHULHAN
VICE PRESIDENTE
LUIS CAMACHO
SECRETARIO
ROCAEL GARCIA ALVAREZ
VOCAL I
TIMOTHY CHILDRESS
VOCAL II
GWEN MARIE ANDREOTTI
HANS NIEHORSTER
COMISARIO
LESLY A DE HERRERA
GERENTE GENERAL
FRANCISCO JARED GALEANO MEJIA
ORGANIZACIÓN DE DESARROLLO EMPRESARIAL FEMENINO FINANCIERA, S.A. Cargo
Nombre
HECTOR GUILLERMO DIAZ ESCOTO
VICEPRESIDENTE
MARIA ADELA MEJIA ARGUETA
SECRETARIO
RENE CRANIOTIS MELGAR
VOCAL 1
ISRAEL ARMANDO RUBI PRINCE
VOCAL 2
BERNARDA ELVIR DE HANDAL
VOCAL 3
ZAIDA FLORES CONDE
COMISARIO
AIDA TEJEDA MALDONADO DE VALENZUELA
GERENTE GENERAL
SANTA ISABEL SANTELI DE EUCEDA
Cargo
Nombre
Principales Funcionarios REPRESENTANTE LEGAL
LORENZO JUSTINIANO PINEDA RIVERA
REPRESENTANTE LEGAL
EDUARDO ANTONIO CALLEJAS
LAAD AMERICAS, S.A.
Cargo
Nombre
Principales Funcionarios REPRESENTANTE LEGAL
EDUARDO SERGIO MARIN OROZCO
REGIMEN DE APORTACIONES PRIVADAS
Cargo
Nombre
Consejo Directivo y Principales Funcionarios PRESIDENTE
JESUS SIMON ROMAN
VOCAL II Y SECRETARIO
DANIEL ANTONIO DURON ROMERO
VOCAL III
NELSON ZACARIAS BENDECK NASSER
VOCAL IV
HECTOR ENRIQUE BRICENO
VOCAL V
MAURO FRANCISCO GONZALES
VOCAL VI
JOSE ALEJANDRO ALVAREZ ALVARADO
SUPLENTE
CRISTOBAL SIERRA
SUPLENTE
MARCO TULIO RUIZ ANDRADE
SUPLENTE
ROY EDMUNDO MORALES TABORA
SUPLENTE
GERMAN CASTRO ROMERO
SUPLENTE
ORLANDO MEJIA TERCERO
SUPLENTE
BAUDILIO ANDARA RODRIGUEZ
SUPLENTE
FELICITO AVILA ORDONEZ
SUPLENTE
WILLIAM CHONG WONG
SUPLENTE
HILDA HERNANDEZ ALVARADO
SUPLENTE
JOSE LUIS BAQUEDANO HERNANDEZ
GERENTE GENERAL
ENRIQUE LOPEZ AGUILAR
BANCO HONDUREÑO PARA LA PRODUCCION Y LA VIVIENDA
Cargo
Nombre
JUAN CARLOS ALVAREZ ARIAS
VICEPRESIDENTE
HUGO ALEJANDRO CASTILLO ALDANA
EDGARDO SEVILLA IDIAQUEZ
MARIA LYDIA SOLANO ANZOATEGUI
MARIO GALEANO BURGOS
JUAN CARLOS ALVAREZ ARIAS
SEGUROS HSBC HONDURAS, S. A.
Cargo
Nombre
Junta Directiva
PRESIDENTE
ANDREW GENT
COMISARIO
JORGE ALBERTO ALVARADO
VOCAL I
DAVID KENNEY
VOCAL II
MARCELO PEDEMONTE DEL CASTILLO
VOCAL III Y SECRETARIO
LEONARDO CASCO FORTIN
VOCAL IV
JONATHAN P. HARTLEY
VOCAL V
MARCELO TEIXEIRA
VOCAL VI
MARIA EUGENIA BRIZUELA DE AVILA
SUPLENTE
JOSE MANUEL DOMINGUEZ
SUPLENTE
HENRIQUE FRAYHA
MARCELO PEDEMONTE DEL CASTILLO
PAN AMERICAN LIFE INSURANCE COMPANY
Cargo
Nombre
Principales Funcionarios PRESIDENTE,PRIMER EJECUTIVO Y MIEMBRO
JTA. DIRECTIVA
JOSE S. SUQUET
DIRECTOR
JOHN JAMES KELLY
DIRECTOR
EDWARD MCILHENNY SIMMONS
DIRECTOR
REDFIELD ERNEST BRYAN
DIRECTOR
COLEMAN D. ROSS
DIRECTOR
ROBERT LEE PETTIT, JR.
DIRECTOR
KENNETH C. MLEKUSH
DIRECTOR
JOSE ANTONIO VILLAMIL
DIRECTOR
MARK K. ANDERSON
DIRECTOR
CARLOS PALOMARES
APODERADA GENERAL
MARIA DEL ROSARIO ALVAREZ VENTURA
ASEGURADORA HONDUREÑA MUNDIAL, S.A. Cargo
Nombre
JOSE ANTONIO ARIAS BERMUDEZ
VICEPRESIDENTE
MANUEL JOSE PAREDES LEFEVRE
SECRETARIO
CARLOS MARIANO RAMIREZ BLAZQUEZ
TESORERO
JOSE RAUL ARIAS GARCIA DE PAREDES
VOCAL PRIMERO
GERARDO ANTONIO CORRALES HADDAD
COMISARIO PRINCIPAL
CARLOS ALEJANDRO PINEDA PINEL
COMISARIO SUPLENTE
JAIME JEAN FRANCOIS GUZMAN
GERENTE GENERAL
GERARDO ANTONIO CORRALES HADDAD
INTERAMERICANA DE SEGUROS, S.A.
Cargo
Nombre
JOSE LEONEL GIANNINI KAFIE
VICEPRESIDENTE
JAVIER EDUARDO ATALA FARAJ
DIRECTOR SECRETARIO
JORGE LUIS RIVERA CALLEJAS
DIRECTOR
KARIM FARAJ RISHMAGUI
DIRECTOR
ROBERTO ANTONIO CANAHUATI
COMISARIO
LUIS ARMANDO BOTTAZZI
GERENTE GENERAL
JAVIER EDUARDO ATALA FARAJ
AMERICAN HOME ASSURANCE COMPANY
Cargo
Nombre
Principales Funcionarios GERENTE GENERAL
JUAN MANUEL FRIEDERICH LOPEZ
GERENTE NACIONAL
JOSE EDGARDO FLORES RIVEIRO
SEGUROS CONTINENTAL, S.A.
Cargo
Nombre
JAIME ROSENTHAL OLIVA
VOCAL PROPIETARIO
EDWIN ROSENTHAL OLIVA
VOCAL PROPIETARIO
MARIO VITORIO RIETTI MATHEWS
VOCAL PROPIETARIO
CARLOS JOSE ROSENTHAL HIDALGO
VOCAL PROPIETARIO
JOSE FERNANDEZ GUZMAN
VOCAL SUPLENTE
RIGOBERTO OMAR ROMERO MARTINEZ
VOCAL SUPLENTE
MANUEL ERNESTO GAMERO DURON
VOCAL SUPLENTE
LILIAN HAYDEE MOLINA DE FONSECA
VOCAL SUPLENTE
VOCAL SUPLENTE
JOSE ANTONIO PEREZ VASQUEZ
PATRICIA ROSENTHAL DE CANALES
COMISARIO SUPLENTE
NERIO PENA AMAYA
SECRETARIA
FRANCISCA DE MENDOZA
GERENTE GENERAL
SEGUROS ATLANTIDA, S.A.
Cargo
Nombre
ROBERT BRENT VINELLI
VOCAL PROPIETARIO
ARTURO H. MEDRANO
VOCAL PROPIETARIO
JOSE RUBEN MENDOZA
VOCAL PROPIETARIO
GUILLERMO BUESO ANDURAY
VOCAL PROPIETARIO
CESAR BATRES
VOCAL PROPIETARIO
GILBERTO GOLDSTEIN
COMISARIO
GUSTAVO OVIEDO
SECRETARIO
FAUSTINO LAINEZ MEJIA
GERENTE GENERAL
JUAN MIGUEL ORELLANA
SEGUROS CREFISA, S.A.
Cargo
Nombre
GLORIA DE LOPEZ ARELLANO
SECRETARIO
ABRAHAM BENNATON RAMOS
VOCAL PRIMERO
ROQUE ROLANDO RIVERA RIBAS
VOCAL SEGUNDO
JUAN ANGEL MONCADA REESE
VOCAL TERCERO
RENE LOPEZ RODEZNO
COMISARIO
LUCAS RAMON RODRIGUEZ M.
SUPLENTE
GLORIA CAROLINA LOPEZ
SUPLENTE
JOSE LUIS LOPEZ
SUPLENTE
ROLANDO BIER IZAGUIRRE
GERENTE GENERAL
MARIO BATRES PINEDA
EQUIDAD COMPAÑÍA DE SEGUROS, S.A.
Cargo
Nombre
OSCAR COELLO
VICEPRESIDENTE
MARIO GUIFARRO
SECRETARIO
HERNAN CHINCHILLA GIRON
VOCAL I
MANUEL MARTIN LAGOS FLORES
VOCAL II
EFRAIN RODRIGUEZ
VOCAL III
MARIO RENE SANTOS
VOCAL IV
OSCAR ARCANGEL JIMENEZ TINOCO
COMISARIO
GLENDA PATRICIA ACOSTA FIGUEROA
COMISARIO
HORACIO LOPEZ MEDINA
GERENTE GENERAL
MARIELA ELIZABETH SILVA CASCO
SEGUROS DEL PAIS, S.A.
Cargo
Nombre
JUAN MIGUEL TORREBIARTE
VICE PRESIDENTE
RAMIRO CASTILLO AREVALO
VOCAL PRIMERO
NAPOLEON LARACH JAMIS
VOCAL SEGUNDO
JOSE ANTONIO ARZU
VOCAL TERCERO
TOMAS RODRIGUEZ
VOCAL CUARTO
DIEGO PULIDO ARAGON
VOCAL QUINTO
HERMANN FEDERICO GIRON
VOCAL SEXTO
MARCO A. RAUDALES
SECRETARIO
LUIS NAPOLEON LARACH
COMISARIO PRIMERO
JOSE MANUEL PINEDA
COMISARIO SEGUNDO
EDGARDO CANAHUATI
COMISARIO TERCERO
JOHN ELIAS CHAIN
GERENTE GENERAL
GERARDO ALFREDO RIVERA MUNOZ
SEGUROS CUSCATLAN DE HONDURAS, S.A. Cargo
Nombre
RENE BECERRA
VICEPRESIDENTE
EDUARDO MALVIDO
SECRETARIO
DELMA PADILLA
JOHN TUCCI
PEDRO BARQUERO
EDUARDO MONTENEGRO
COMISARIO
RAUL ANDINO
GERENTE GENERAL
PEDRO JOSE BARQUERO TERCERO
SEGUROS LAFISE HONDURAS, S.A. Cargo
Nombre
ROBERTO ZAMORA
VICE PRESIDENTE
MICHEL CONTRERAS
CONSEJERO I
ARTURO GIACOMIN ZU?IGA
CONSEJERO II
CLAUDIO TABOADA RODRIGUEZ
CONSEJERO III
ANA CRISTINA MEJIA DE PEREIRA
CONSEJERO SUPLENTE
EDMUNDO DEL CARMEN CUADRA
CONSEJERO SUPLENTE
RODRIGO ZAMORA TERAN
COMISARIO SOCIAL
ARACELY MONCADA PASCUA
GERENTE GENERAL
RAUL EFRAIN MEJIA SEQUEIROS
SISTEMA FINANCIERO
DEFINICION DE TERMINOS TECNICOS - INDICES FINANCIEROS
PORCENTAJE DE ADECUACION DE CAPITAL: RECURSOS PROPIOS / ACTIVOS PONDERADOS
Con base en las disposiciones de la Ley de Instituciones del Sistema Financiero y en las normas y prácticas
internacionales, la Comisión ha definido el porcentaje de adecuación del capital, como el cociente de dividir
el volumen de los recursos propios entre la suma de los activos ponderados por riesgo. El nivel mínimo
requerido es del 9.00% a partir del 30 de junio de 1999, 9.25% a partir del 31 de marzo del 2000, 9.50% a
partir del 30 de junio del 2000, 9.75% a partir del 30 de septiembre del 2000 y 10.00% a partir del 31 de
diciembre del 2000.
DEUDA TOTAL / CAPITAL Y RESERVAS
Es un indicador de apalancamiento que representa el número de veces que los recursos propios equivalen al
total de obligaciones. Para las sociedades financieras, la Ley de Instituciones del Sistema Financiero
establece que no podrán contraer obligaciones totales por un monto que exceda diez veces su capital y
reservas de capital.
DEPOSITOS ORDINARIOS DEL PUBLICO / CAPITAL Y RESERVAS
Indica las veces que una institución ha captado el monto de su patrimonio. Una medida que se ha
considerado prudente, es tomar como punto de referencia el promedio que reporta el sistema bancario
comercial, el cual es inferior a veinte veces su patrimonio.
ACTIVOS NO PRODUCTIVOS / CAPITAL Y RESERVAS
Mide la proporción de capital y reservas de capital que la institución ha inmovilizado en activos que no
producen rendimientos. Considerado dentro de lo anterior, la Ley establece un límite máximo de 40% del
capital y reservas de capital para invertir en activos fijos, así como un margen de un 10% para invertirse en
gastos de organización e instalación.
COBERTURA DE CAPITAL: PATRIMONIO AJUSTADO / CAPITAL Y RESERVAS
Su resultado corresponde a la relación que existe entre el patrimonio ajustado por suficiencias o
insuficiencias de reservas para créditos e intereses de dudosa recuperación con respecto al capital y
reservas de capital contabilizado por la entidad. Una relación mayor a la unidad (1) refleja que el patrimonio
no ha sufrido menoscabo por insuficiencias de reservas.
CREDITOS CATEGORIAS I Y II / TOTAL CARTERA CREDITICIA E INTERESES
Mide la calidad de la cartera crediticia, representada por el nivel de los créditos buenos cuya recuperación no
se pone en duda y de créditos con algún grado de incumplimiento ocasional en las condiciones
originalmente pactadas, con relación al total de la cartera crediticia e intereses.
CALIDAD DE LOS ACTIVOS
COBERTURA: RESERVA PARA CREDITOS E INTERESES DUDOSOS / TOTAL CARTERA CREDITICIA
E INTERESES
Indica el nivel de reservas para créditos e intereses de dudosa recuperación que la entidad financiera
mantiene con respecto a la cartera crediticia total.
INTERESES POR COBRAR SOBRE PRESTAMOS / CARTERA CREDITICIA DIRECTA
Establece la proporción de intereses devengados sobre préstamos que la institución tiene pendientes de
cobro con respecto a la cartera crediticia directa. Este mide la eficiencia en la recuperación de intereses
sobre préstamos.
RESERVA PARA CREDITOS DUDOSOS ESPERADA / TOTAL CARTERA CREDITICIA E INTERESES
Este indicador revela los requerimientos de reservas para créditos e intereses dudosos como producto del
análisis de elementos cuantitativos y cualitativos de la cartera total con respecto al total de créditos
concedidos.
OPERACIONES EN SUSPENSO / TOTAL CARTERA CREDITICIA E INTERESES
Mide el efecto de la suspensión del registro de intereses devengados pendientes de cobro, sobre el total de
la cartera crediticia e intereses, de conformidad con las normas en dicha materia, emitidas por la Comisión.
CREDITOS VENCIDOS Y CREDITOS EN COBRANZA JUDICIAL / TOTAL CARTERA CREDITICIA E
INTERESES
Representa el riesgo de pérdida de cartera crediticia, representado por los créditos cuyo plazo ha finalizado
o cuya gestión de cobro ha sido trasladada a instancia judicial, con la relación al total de cartera crediticia e
intereses. Bajo condiciones normales, en la medida que el resultado crece, denota debilidades de la política
crediticia y de administración de cartera.
ACTIVOS PRODUCTIVOS / TOTAL ACTIVOS REALES
Determina la proporción de activos que generan ganancia para la institución con relación al total de activos
netos de depreciaciones y amortizaciones sin incluir operaciones contingentes. En combinación al ejercicio
de sanas prácticas bancarias, entre mayor sea esta proporción, mayor será el potencial de generar
utilidades.
LIQUIDEZ
ACTIVOS LIQUIDOS EN MONEDA NACIONAL / DEPOSITOS ORDINARIOS DEL PUBLICO EN MONEDA
NACIONAL
Establece la capacidad de la institución de afrontar a una fecha determinada con sus disponibilidades
inmediatas, los retiros de depósitos del público, derivado de los valores manejados en moneda nacional.
Como un resultado aceptable, este indicador debe ser mayor a los requerimientos de encaje y de
inversiones obligatorias en títulos oficiales fijados por el Banco Central de Honduras.
ACTIVOS LIQUIDOS EN MONEDA EXTRANJERA / DEPOSITOS ORDINARIOS DEL PUBLICO EN
MONEDA EXTRANJERA
Similar al anterior, mide la capacidad de la institución de afrontar a una fecha determinada con sus
disponibilidades inmediatas, los retiros de depósitos del público, derivado de los valores manejados en
moneda extranjera. Como un resultado aceptable, este indicador debe ser mayor a los requerimientos de
encaje y de inversiones en instituciones extranjeras de primer orden, fijados por el Banco Central de
Honduras.
ACTIVOS LIQUIDOS + PRESTAMOS INTERBANCARIOS CONCEDIDOS / DEPOSITOS ORDINARIOS
DEL PUBLICO + PRESTAMOS INTERBANCARIOS RECIBIDOS
Mide en forma agregada la liquidez considerando la capacidad de afrontar con sus disponibilidades
inmediatas los depósitos del público, mejorada o disminuida por la posición a una fecha determinada de la
institución en mercado de préstamos interbancarios, entendidos como tales, los financiamientos recibidos de
u otorgados a otras entidades financieras.
RENTABILIDAD
RENDIMIENTO DEL PATRIMONIO: UTILIDAD NETA / CAPITAL Y RESERVAS
Expresa el nivel de retorno que sobre los capitales invertidos reciben los accionistas de la entidad financiera.
En términos reales, se considera razonable un nivel mínimo equivalente a la tasa de inflación.
RENDIMIENTO DE LOS ACTIVOS PRODUCTIVOS: UTILIDAD NETA / ACTIVOS PRODUCTIVOS
PROMEDIO
Mide el nivel de retribución neta que el manejo de determinado volumen de activos productivos generan para
la institución durante un período.
RENDIMIENTO FINANCIERO: INGRESOS FINANCIEROS / ACTIVOS PRODUCTIVOS PROMEDIO
Expresa la tasa de rendimiento total que los ingresos financieros representan de determinado volumen de
activos durante un período.
COSTO FINANCIERO: EGRESOS FINANCIEROS / OBLIGACIONES DEPOSITARIAS PROMEDIO +
OBLIGACIONES BANCARIAS PROMEDIO
Significa el costo promedio que la institución ha afrontado por mantener pasivos de costo como son: Los
depósitos del público, las obligaciones bancarias y otros.
MARGEN DE INTERMEDIACION: RENDIMIENTO FINANCIERO – COSTO FINANCIERO
Representa el margen con que cuenta la entidad para satisfacer sus gastos de administración, gastos
extraordinarios, otros gastos del período y generación de utilidades
EFICIENCIA SOBRE ACTIVOS PRODUCTIVOS: GASTOS DE ADMINISTRACION
PRODUCTIVOS PROMEDIO
/ ACTIVOS
Representa la proporción del margen de intermediación que se ha destinado para cubrir gastos
administrativos por el manejo de activos productivos.
ROTACION GASTOS DE ADMINISTRACION: ACTIVOS PRODUCTIVOS PROMEDIO / GASTOS DE
ADMINISTRACION
Mide el número de veces que la institución ha rotado sus gastos de administración por el manejo de activos
productivos.
GASTOS EN PERSONAL / UTILIDAD BRUTA
Expresa porcentualmente el resultado de comparar el volumen de los gastos por salarios y otros beneficios
al personal con relación a la utilidad de operaciones a la fecha del informe.
INDICADORES CONSOLIDADOS POR SUBSISTEMA
Corresponde a la relación entre las variables consolidadas, provenientes de los Balances de cada
Subsistema

Marzo (Tamaño Archivo: 6930KB) - Comisión Nacional de Bancos y

Transcription

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