Perfl Financiero

Informacin referida al 28/02/2014

Cifras en miles de quetzales

Balance General
ACTIVO
DISPONIBILIDADES
_____ Caja
_____ Banco Central
_____ Bancos del Pas
_____ Bancos del Exterior
_____ Cheques a Compensar
_____ Giros sobre el Exterior
INVERSIONES
_____ En Ttulos-Valores para Negociacin
_____ En Ttulos-Valores para la Venta
_____ En Ttulos-Valores para su Vencimiento
____ Operaciones de Reporto
____ Certificados de Participacin
____ Intereses Pagados en Compra de Valores
SUMA
_____ (-) Estimaciones por Valuacin
_ CARTERA DE CRDITOS
_____ Vigente
_____ Vencidos
SUMA
_____ (-) Estimaciones Por Valuacin
PRODUCTOS FINANCIEROS POR COBRAR
CUENTAS POR COBRAR (Neto)
BIENES REALIZABLES (Neto)
INVERSIONES PERMANENTES (Neto)
OTRAS INVERSIONES (Neto)
SUCURSALES, CASA MATRIZ Y
DEPARTAMENTOS ADSCRITOS
INMUEBLES Y MUEBLES (Neto)
CARGOS DIFERIDOS (Neto)
PASIVO
OBLIGACIONES DEPOSITARIAS
____ Depsitos Monetarios
____ Depsitos de Ahorro
____ Depsitos a Plazo
____ Depsitos a la Orden
____ Depsitos con Restricciones
CRDITOS OBTENIDOS
____ Del Banco Central
____ De Instituciones Financieras Nacionales
____ De Instituciones Financieras Extranjeras
____ Organismos Internacionales
OBLIGACIONES FINANCIERAS
GASTOS FINANCIEROS POR PAGAR
CUENTAS POR PAGAR
PROVISIONES
SUCURSALES, CASA MATRIZ Y
DEPARTAMENTOS ADSCRITOS
OTRAS OBLIGACIONES
CRDITOS DIFERIDOS
SUMA
OTRAS CUENTAS ACREEDORAS
CAPITAL CONTABLE
CAPITAL PAGADO
______ Capital Autorizado
______ (-) Capital No Pagado
______ Casa Matriz, Capital Asignado
APORTACIONES PERMANENTES
RESERVA DE CAPITAL
RESERVAS PARA ACTIVOS EXTRAORDINARIOS
REVALUACIN DE ACTIVOS
OBLIGACIONES SUBORDINADAS
GANANCIAS Y PRDIDAS POR FUSIN
VALUACIN DE ACTIVOS DE RECUPERACIN
DUDOSA
PROVISION DE BENEFICIOS A EMPLEADOS
AJUSTES AL IMPUESTO SOBRE LA RENTA
GANANCIAS O PRDIDAS POR CAMBIOS EN EL
VALOR DE MERCADO DE LAS INVERSIONES
RESULTADOS DE EJERCICIOS ANTERIORES
RESULTADOS DEL EJERCICIO
TOTAL IGUAL A LA SUMA DEL ACTIVO

EL CRDITO HIPOTECARIO
NACIONAL DE
INMOBILIARIO,
DE LOS
INDUSTRIAL, DE DESARROLLO INTERNACIONAL, REFORMADOR,
CITIBANK, N.A.,
VIVIBANCO,
FICOHSA
PROMERICA, DE ANTIGUA,
GUATEMALA
S. A.
TRABAJADORES
S. A.
RURAL, S. A.
S. A.
S. A.
SUCURSAL GUATEMALA
S. A.
GUATEMALA, S. A.
S. A.
S. A.
3,030,326
1,039,664
12,889,536 62,740,844
43,186,662
5,363,852
10,777,287
1,741,730
430,572
1,556,858
3,354,067
1,320,279
274,820
215,831
2,196,181
9,057,838
6,125,907
980,264
1,686,176
859,722
54,598
260,629
520,707
179,819
72,176
35,164
80,788
703,558
1,321,736
165,973
134,575
16,592
2,718
35,145
23,961
28,416
158,569
109,996
1,941,191
5,303,974
4,321,219
489,550
979,271
183,691
34,921
153,866
416,860
139,223
855
2,008
624
23,233
2,906
59,025
238,931
11,877
4,535
13,459
1,751
342
26,883
48,264
137,315
2,003,221
165,457
185,778
137,461
632,727
2,636
51,945
27,277
9,645
16,338
20,397
36,012
1,023,852
300,664
73,670
174,408
14,835
9,789
6,214
50,858
2,193
0
1
251
0
13,924
6,268
21,531
0
0
0
0
0
953,399
201,489
3,305,392 18,012,513
8,469,056
924,525
2,089,406
822,664
310,798
238,622
309,031
221,912
0
0
0
0
0
0
0
0
0
0
0
0
707,711
192,336
3,099,936
0
6,927,249
712,719
52,761
708,455
279,356
109,501
274,181
115,412
245,689
0
212,200 17,962,719
1,393,233
95,788
2,034,660
0
31,442
129,121
34,849
106,500
0
15,000
0
11,550
152,571
116,164
10,750
114,210
0
0
0
0
0
0
0
71,958
0
0
0
0
0
0
0
0
0
0
56
1,876
0
0
0
0
0
0
0
0
953,399
207,336
3,312,191 18,048,103
8,473,053
924,671
2,098,172
822,664
310,798
238,622
309,031
221,912
0
5,847
6,799
35,590
3,997
145
8,766
0
0
0
0
0
1,273,781
502,614
6,684,205 32,215,386
26,157,984
3,224,404
6,482,319
-581
8,023
924,612
2,326,982
818,046
1,291,157
502,391
6,712,767 32,525,922
26,562,370
3,284,972
6,498,209
321
8,323
926,504
2,356,880
818,046
145,877
34,724
98,649
171,411
190,633
24,087
92,543
50
0
22,780
14,419
70,261
1,437,034
537,115
6,811,416 32,697,333
26,753,003
3,309,059
6,590,752
371
8,323
949,284
2,371,299
888,307
163,253
34,502
127,211
481,947
595,019
84,655
108,433
952
300
24,672
44,317
70,261
16,063
8,553
159,642
358,879
313,862
23,826
64,410
13,639
1,100
2,510
15,841
20,289
100,199
6,832
14,557
306,928
516,825
9,763
44,417
38,858
8,763
26,444
68,918
12,871
53,224
17,993
54,238
51,345
173,974
27,017
123,816
0
24,383
363
3,311
0
16,688
3,295
72,396
485,494
134,441
17,909
54,943
180
10,923
371
584
0
2,831
0
697
320,752
54,306
37
9,060
0
371
4,176
0
0

G&T
DE AMRICA
CITIBANK DE
AGROMERCANTIL DE CONTINENTAL, DE CRDITO,
AZTECA DE
CENTRAL, S. A.
GUATEMALA, S. A. GUATEMALA, S. A.
S. A.
S. A.
GUATEMALA, S. A.
6,069,294
5,581,710
18,034,031
42,903,837
758,203
1,589,311
1,240,993
885,325
2,778,932
6,428,969
134,897
227,574
180,035
141,762
502,724
824,607
9,680
106,601
613,552
436,905
1,554,623
3,669,479
77,388
84,003
0
114
22,124
132,385
19,552
25,766
358,882
196,279
465,405
872,950
7,520
10,403
85,559
88,550
208,940
919,964
20,757
800
2,964
21,716
25,117
9,584
0
0
599,217
725,672
3,038,467
12,805,230
79,254
155,000
0
0
0
0
0
0
9,217
628,347
2,365,189
11,868,294
0
0
365,000
0
674,768
321,520
79,208
155,000
225,000
97,325
0
616,440
0
0
0
0
0
0
0
0
0
0
405
0
45
0
599,217
725,672
3,040,363
12,806,254
79,254
155,000
0
0
1,896
1,024
0
0
4,113,104
3,718,693
11,563,552
21,087,474
418,464
1,085,420
4,123,316
3,768,072
11,620,503
21,132,974
418,613
1,085,420
77,924
189,842
160,619
253,970
7,895
73,839
4,201,240
3,957,914
11,781,122
21,386,944
426,507
1,159,259
88,136
239,221
217,570
299,470
8,043
73,839
32,695
5,566
57,594
330,229
1,522
27,420
73,561
68,659
75,346
304,019
29,311
25,804
9,329
5,833
65,775
158,531
29,271
0
396
3,878
53,219
751,482
180
0
0
0
14,291
38,687
0
0

0
305,310
34,012
2,802,008
2,421,932
823,360
426,275
1,161,474
3,780
7,043
0
0
0
0
0
1,690
16,264
283,452
25,482

0
75,273
7,785
920,221
886,908
222,253
258,440
404,116
367
1,732
0
0
0
0
0
0
9,239
10,586
1,008

0
166,818
235,411
11,813,945
9,702,955
725,612
1,173,286
7,793,232
1,502
9,322
1,433,932
0
0
1,346,035
87,897
2,714
44,560
379,582
48,735

0
1,261,918
669,791
58,911,091
41,772,320
19,891,809
7,872,083
13,868,377
26,637
113,413
14,584,925
0
0
14,519,848
65,077
177,853
242,806
586,413
28,157

0
569,565
670,743
38,483,759
35,247,075
14,205,017
9,954,439
10,901,294
56,191
130,135
1,663,867
0
0
1,663,867
0
45,403
120,359
762,469
116,341

0
99,549
56,559
4,918,769
4,325,712
1,334,275
709,428
2,268,932
6,632
6,446
403,304
0
0
403,304
0
1,383
16,752
89,542
15,352

0
182,820
39,919
9,767,672
8,199,227
2,867,258
1,591,370
3,722,215
1,016
17,368
1,343,816
0
110,000
1,233,816
0
0
39,775
125,057
4,220

0
1,127
6,121
1,500,364
1,333,190
1,318,389
406
13,000
0
1,395
0
0
0
0
0
0
28
152,150
14,988

0
10,224
1,388
306,142
220,546
50,718
62,010
107,440
54
323
48,731
0
0
48,731
0
0
412
17,877
2,242

0
84,836
14,295
1,399,890
1,114,469
127,346
36,838
945,770
0
4,515
181,977
0
151,000
30,977
0
44,452
2,558
44,690
9,859

0
72,524
36,170
3,054,565
2,776,049
471,283
177,514
2,126,507
71
673
46,531
0
15,489
5,228
25,814
0
24,823
107,910
5,201

0
11,930
55,412
1,176,786
1,086,682
0
48,381
1,037,748
477
77
0
0
0
0
0
0
15,887
29,140
7,215

0
0
0
5,201,251
4,843,949
3,071,278
421,375
1,341,743
2,580
6,973
209,691
0
0
134,424
75,267
0
11,538
93,722
7,886

0
150,611
17,474
4,161,735
3,837,412
2,229,278
783,602
797,177
6,854
20,501
0
0
0
0
0
0
11,749
150,822
145,196

0
269,485
117,370
15,944,929
13,141,607
4,889,767
3,198,774
4,988,325
10,260
54,481
2,093,561
0
0
1,512,741
580,820
28,094
113,844
365,578
133,378

0
818,998
180,218
39,788,794
31,221,402
11,139,382
6,824,760
13,088,183
25,159
143,918
6,149,128
0
0
6,149,127
0
13,302
114,017
947,042
21,095

0
43,652
21,651
644,687
622,731
72,081
32,684
517,152
21
793
0
0
0
0
0
0
4,351
11,052
2,620

0
13,846
54,247
1,202,601
1,034,615
250,400
0
775,815
32
8,369
0
0
0
0
0
0
3,278
78,940
37,067

0
0
26,485
2,775,305
26,703
228,319
15,000
15,000
0
0
232,919
439,653
0
163,971
0
0

0
0
54
907,796
12,425
119,443
89,606
150,000
60,394
0
0
7,331
0
60,721
0
0

0
75,000
82
11,687,559
126,386
1,075,591
199,853
200,000
147
0
8
788,898
0
59,634
0
0

0
1,432,690
17,691
58,842,855
68,236
3,829,753
2,257,711
4,000,000
1,742,289
0
581,138
764,855
0
57,512
0
0

0
267,583
9,058
38,232,154
251,605
4,702,903
1,169,914
5,000,000
3,830,086
0
55,565
2,359,634
0
26,735
29,089
0

0
46,466
2,829
4,901,341
17,428
445,083
261,276
500,000
238,724
0
8
95,396
0
15,124
0
0

0
0
6,418
9,718,514
49,158
1,009,615
432,500
800,000
367,500
0
0
373,142
0
33,118
71,561
0

0
0
0
1,500,356
8
241,365
84,982
0
0
84,982
0
20,833
0
0
0
0

0
0
17
289,826
16,316
124,431
112,233
200,000
87,767
0
0
9,138
0
199
0
0

0
0
0
1,398,005
1,885
156,968
134,568
200,000
65,432
0
0
12,295
0
0
0
0

0
61,954
19,366
3,041,835
12,730
299,502
154,770
500,000
345,230
0
0
55,454
0
0
0
0

0
0
0
1,138,924
37,863
143,493
125,176
160,000
34,824
0
0
14,394
0
0
0
0

0
0
438
5,167,224
34,028
868,042
413,748
415,000
1,252
0
0
56,326
0
0
0
0

0
0
9,833
4,155,012
6,723
1,419,975
443,389
1,000,000
556,611
0
0
154,228
0
15,940
0
0

0
0
1,930
15,877,992
66,936
2,089,103
1,167,587
2,000,000
832,413
0
407,013
296,876
0
28,326
0
0

0
1,204,234
34,483
39,704,703
84,092
3,115,042
1,768,012
3,000,000
1,231,988
0
553,476
722,049
0
0
0
0

0
0
2,414
643,168
1,519
113,516
105,000
150,000
45,000
0
0
2,136
0
0
0
0

0
0
20,766
1,174,667
27,934
386,710
105,001
200,000
94,999
0
0
203,953
0
0
0
0

164,498
0
0

38,708
0
0

0
0
0

0
0
0

0
0
0

0
0
0

12,527
0
0

0
9,991
0

300
0
0

2,789
0
0

0
0
0

25,000
0
0

0
0
0

62,562
123,931
0

48,447
0
0

0
0
0

0
0
0

0
0
0

0
-460,804
2,077
3,030,326

0
293
200
1,039,664

0
0
27,199
12,889,536

0
0
168,538
62,740,844

20,059
900,553
141,354
43,186,662

0
65,067
8,211
5,363,852

-2,385
98,892
15,313
10,777,287

0
144,520
1,022
1,741,730

0
0
3,161
430,572

0
20,622
-7,728
1,556,858

0
74,981
14,297
3,354,067

0
36,984
-8,061
1,320,279

0
368,271
29,697
6,069,294

0
953,368
39,543
5,581,710

-3,699
201,061
40,385
18,034,031

11,415
0
60,091
42,903,837

0
5,871
509
758,203

0
66,219
11,538
1,589,311

ESTADO DE RESULTADOS
PRODUCTOS FINANCIEROS
GASTOS FINANCIEROS
MARGEN POR INVERSIN
PRODUCTOS POR SERVICIOS
GASTOS POR SERVICIOS
MARGEN POR SERVICIOS
OTROS PRODUCTOS Y GASTOS DE OPERACIN
___ Productos
___ Gastos
MARGEN OTROS PRODUCTOS Y GASTOS DE
OPERACIN
MARGEN OPERACIONAL BRUTO
GASTOS DE ADMINISTRACIN
MARGEN OPERACIONAL NETO
PRODUCTOS Y GASTOS EXTRAORDINARIOS
___ Productos Extraordinarios
___ Gastos Extraordinarios
PRODUCTOS Y GASTOS DE EJERCICIOS
ANTERIORES
___ Productos de Ejercicios Anteriores
___ Gastos de Ejercicios Anteriores
GANANCIA (PRDIDA) BRUTA
IMPUESTO SOBRE LA RENTA
GANANCIA (PRDIDA) NETA

INDICADORES FINANCIEROS
LIQUIDEZ
___ Liquidez Inmediata
___ Liquidez Mediata
SOLVENCIA
__ Patrimonio en relacin a Activos
__ Patrimonio en relacin a Cartera de
Crditos
__ Patrimonio en relacin a las Captaciones
RENTABILIDAD
__ Rentabilidad sobre Patrimonio
__ Rentabilidad sobre Activos
__ Eficiencia
CALIDAD DE ACTIVOS
__ Cartera Vigente en relacin a Cartera Bruta
__ Cobertura de Cartera Crediticia en Riesgo

_
34,985
17,549
17,436
40,855
4,531
36,324
_
332
2,382

_
13,490
5,758
7,732
589
323
266
_
68
1,063

_
253,615
148,950
104,666
30,634
5,541
25,093
_
9,625
9,130

_
645,900
356,877
289,023
48,581
0
48,581
_
95,147
28,118

_
686,892
212,351
474,541
87,860
0
87,860
_
16,112
21,876

_
71,379
32,333
39,046
7,048
990
6,058
_
4,338
4,081

_
112,112
59,735
52,377
6,749
1,519
5,229
_
6,326
3,313

_
16,056
3,452
12,604
1,018
102
915
_
24,123
26,514

_
7,771
2,320
5,451
406
0
406
_
1,049
21

_
64,629
13,652
50,977
1,546
11,932
-10,386
_
476
16,993

_
98,095
30,297
67,798
11,101
14,578
-3,477
_
2,056
19,636

_
61,402
16,093
45,309
3,159
730
2,429
_
0
29,945

_
78,478
24,689
53,789
6,797
129
6,668
_
8,729
17,638

_
207,146
27,802
179,344
8,797
1,649
7,148
_
20,891
69,524

_
231,041
80,434
150,606
24,535
8,489
16,046
_
10,105
30,588

_
456,059
268,917
187,142
31,910
342
31,568
_
16,037
14,069

_
11,555
6,293
5,262
351
562
-211
_
562
0

_
145,967
15,860
130,107
6,274
46
6,228
_
1,054
46,528

-2,050
51,711
32,057
19,653
-17,643
10,853
28,496

-994
7,004
7,496
-493
-20
27
48

495
130,254
99,495
30,759
13,925
14,547
622

67,029
404,633
244,274
160,359
6,607
7,080
474

-5,764
556,637
364,274
192,363
-279
740
1,019

257
45,361
33,715
11,646
-69
133
203

3,013
60,619
40,634
19,985
106
129
23

-2,392
11,128
10,191
937
40
48
7

1,028
6,885
4,825
2,060
1,452
1,496
44

-16,517
24,074
31,554
-7,480
-275
124
398

-17,580
46,741
35,057
11,684
2,583
2,971
388

-29,945
17,793
29,559
-11,766
2,812
2,812
0

-8,909
51,549
14,600
36,949
-625
674
1,299

-48,633
137,859
92,916
44,943
12,938
21,800
8,862

-20,484
146,169
108,961
37,207
2,562
2,839
277

1,968
220,678
161,247
59,431
1,168
1,168
0

562
5,614
4,953
661
20
20
0

-45,474
90,861
80,052
10,809
3,866
3,904
38

66
281
215
2,077
0
2,077

713
805
92
200
0
200

-6,045
1,171
7,216
38,639
11,441
27,199

1,572
1,782
210
168,538
0
168,538

-6
0
6
192,078
50,724
141,354

-309
0
309
11,268
3,057
8,211

-134
56
190
19,957
4,643
15,313

45
45
0
1,022
0
1,022

-1
0
1
3,511
350
3,161

26
26
0
-7,728
0
-7,728

30
78
47
14,297
0
14,297

893
1,388
495
-8,061
0
-8,061

-1
0
1
36,322
6,626
29,697

-926
193
1,118
56,956
17,412
39,543

616
1,195
579
40,385
0
40,385

-509
451
960
60,091
0
60,091

-173
11
185
509
0
509

1,350
1,350
0
16,025
4,487
11,538