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| AL 31 DE DICIEMBRE DE 1999
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|
|
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| BALANCE GENERAL CONDENSADO
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|
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| CUADRO 3.3
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| ( En miles de Quetzales )
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|
|
|
|
| SOCIEDADES FINANCIERAS
|
| AŅO ANTERIOR
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| FINANCIERAS PRIVADAS
|
| AŅO ANTERIOR
|
| CORPORACION FINANCIERA NACIONAL
|
| AŅO ANTERIOR
|
|
|
|
|
|
|
|
|
|
|
|
|
| A C T I V O
|
| 5,566,757
|
| 5,808,906
|
| 5,243,053
|
| 5,263,064
|
| 323,704
|
| 339,285
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 492,516
|
| 574,386
|
| 491,190
|
| 566,553
|
| 1,327
|
| 710
|
|
|
| Caja
|
| 1,764
|
| 887
|
| 1,756
|
| 785
|
| 8
|
| 7
|
|
|
| Banco Central
|
| 44,384
|
| 40,721
|
| 43,358
|
| 38,146
|
| 1,026
|
| 575
|
|
|
| Bancos del Pais
|
| 428,403
|
| 497,890
|
| 428,110
|
| 493,715
|
| 292
|
| 88
|
|
|
| Bancos del Exterior
|
| 10,748
|
| 20,023
|
| 10,748
|
| 19,083
|
| -
|
| -
|
|
|
| Cheques y Giros a Compensar
|
| 7,217
|
| 14,864
|
| 7,217
|
| 14,824
|
| -
|
| 40
|
|
|
| Giros sobre el Exterior
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| INVERSIONES TEMPORALES
|
| 970,993
|
| 1,066,071
|
| 948,976
|
| 1,021,463
|
| 22,017
|
| 43,164
|
|
|
| Titulos-Valores de Emisores Nac.
|
| 964,362
|
| 1,035,542
|
| 942,345
|
| 989,701
|
| 22,017
|
| 44,397
|
|
|
| Titulos-Valores de Emisores Ext.
|
| 9,291
|
| 54,040
|
| 9,291
|
| 54,040
|
| -
|
| -
|
|
|
| Intereses Pagados en Compra de Val.
|
| -
|
| 592
|
| -
|
| 592
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 973,653
|
| 1,090,174
|
| 951,636
|
| 1,044,333
|
| 22,017
|
| 44,397
|
|
|
|
|
|
|
| (-) Estimaciones por Valuacion
|
| 2,660
|
| 24,103
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| 2,660
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| 22,870
|
| -
|
| 1,233
|
|
|
|
|
|
|
| CARTERA DE CREDITOS
|
| 3,004,574
|
| 3,104,620
|
| 3,000,429
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| 2,950,349
|
| 4,145
|
| 692
|
|
|
| Vigentes
|
| 2,916,466
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| 3,079,142
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| 2,912,722
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| 2,922,921
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| 3,744
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| 2,063
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|
|
| Al Dia
|
| 2,864,598
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| 3,030,323
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| 2,860,854
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| 2,878,165
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| 3,744
|
| -
|
|
|
| En Mora
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| 51,868
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| 48,819
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| 51,868
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| 44,756
|
| -
|
| 2,063
|
|
|
| Vencidos
|
| 214,616
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| 150,170
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| 129,008
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| 63,357
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| 85,607
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| 83,765
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|
|
| En Proceso de Prorroga
|
| 113
|
| 1,026
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| 113
|
| 1,026
|
| -
|
| -
|
|
|
| En Cobro Administrativo
|
| 64,575
|
| 6,453
|
| 64,575
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| 6,453
|
| -
|
| -
|
|
|
| En Cobro Judicial
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| 149,929
|
| 142,691
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| 64,321
|
| 55,878
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| 85,607
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| 83,765
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|
|
|
|
|
|
| SUMA
|
| 3,131,082
|
| 3,229,312
|
| 3,041,731
|
| 2,986,279
|
| 89,351
|
| 85,827
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 126,508
|
| 124,691
|
| 41,301
|
| 35,930
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| 85,207
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| 85,136
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|
|
|
|
|
|
| PRODUCTOS FINANCIEROS POR COBRAR
|
| 133,694
|
| 151,347
|
| 34,401
|
| 54,285
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| 99,293
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| 94,765
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|
|
| CUENTAS POR COBRAR (Neto)
|
| 38,572
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| 36,429
|
| 37,000
|
| 17,053
|
| 1,572
|
| 1,780
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|
|
| GASTOS ANTICIPADOS
|
| 13,352
|
| 14,941
|
| 13,212
|
| 14,387
|
| 141
|
| 124
|
|
|
| ACTIVOS EXTRAORDINARIOS (Neto)
|
| 224,489
|
| 225,247
|
| 40,343
|
| 35,805
|
| 184,146
|
| 189,443
|
|
|
| INVERSIONES A LARGO PLAZO
|
| 356,479
|
| 267,833
|
| 347,882
|
| 260,498
|
| 8,597
|
| 6,087
|
|
|
| Titulos-Valores de Emisores Nacionales
|
| 344,427
|
| 266,829
|
| 334,260
|
| 260,435
|
| 10,167
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| 6,214
|
|
|
| Titulos-Valores de Emisores Extranjeros
|
| 13,606
|
| 1,116
|
| 13,559
|
| -
|
| 47
|
| 47
|
|
|
| Intereses pagados en compra de valores
|
| 596
|
| 63
|
| 596
|
| 63
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 358,097
|
| 267,833
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| 347,882
|
| 260,498
|
| 10,215
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| 6,087
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 1,618
|
| 175
|
| -
|
| -
|
| 1,618
|
| 175
|
|
|
|
|
|
|
| OTRAS INVERSIONES
|
| 307,380
|
| 342,786
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| 307,380
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| 324,786
|
| -
|
| -
|
|
|
| SUC., CASA MATRIZ Y DEPTOS. ADSCRITOS
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| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| INMUEBLES Y MUEBLES (Neto)
|
| 21,077
|
| 18,197
|
| 18,658
|
| 13,634
|
| 2,419
|
| 2,472
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|
|
| CARGOS DIFERIDOS (Neto)
|
| 3,630
|
| 7,048
|
| 3,582
|
| 4,251
|
| 48
|
| 49
|
|
|
|
|
|
|
| P A S I V O
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| 9,585,251
|
| 9,174,436
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| 4,734,454
|
| 4,884,871
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| 4,850,797
|
| 4,100,345
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|
|
|
|
|
|
| DEPOSITOS
|
| 8
|
| 529
|
| 8
|
| 529
|
| -
|
| -
|
|
|
| Depositos a la Vista
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos de Ahorro
|
| -
|
| -
|
| -
|
| -
|
| -
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| -
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|
|
| Depositos a Plazo
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Otros Depositos
|
| 8
|
| 529
|
| 8
|
| 529
|
| -
|
| -
|
|
|
| CREDITOS OBTENIDOS
|
| 1,787,641
|
| 1,624,793
|
| 271,779
|
| 277,547
|
| 1,515,862
|
| 1,344,526
|
|
|
| Banco Central
|
| 41,681
|
| 13,000
|
| 41,681
|
| 13,000
|
| -
|
| -
|
|
|
| Instituciones Financieras
|
| 57,279
|
| 58,130
|
| -
|
| -
|
| 57,279
|
| 58,130
|
|
|
| Organismos Internacionales y Entidades Extranjeras
|
| 25,358
|
| 29,903
|
| 25,358
|
| 29,903
|
| -
|
| -
|
|
|
| Bancos del Exterior
|
| 1,663,322
|
| 1,523,761
|
| 204,740
|
| 234,644
|
| 1,458,582
|
| 1,286,396
|
|
|
|
|
|
|
| OBLIGACIONES FINANCIERAS
|
| 4,303,767
|
| 4,623,312
|
| 4,303,767
|
| 4,445,873
|
| -
|
| -
|
|
|
|
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| TITULOS DE CAPITALIZACION
|
|
|
| GASTOS FINANCIEROS POR PAGAR
|
| 3,194,867
|
| 2,631,287
|
| 27,532
|
| 38,950
|
| 3,167,334
|
| 2,588,196
|
|
|
| CUENTAS POR PAGAR
|
| 94,722
|
| 71,283
|
| 91,374
|
| 61,086
|
| 3,348
|
| 7,456
|
|
|
| PROVISIONES
|
| 2,209
|
| 2,353
|
| 2,209
|
| 2,081
|
| -
|
| -
|
|
|
| SUC. , CASA MATRIZ Y DEPTOS ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| CREDITOS DIFERIDOS
|
| 2,875
|
| 1,249
|
| 2,874
|
| 1,217
|
| -
|
| 0
|
|
|
|
|
|
|
| S U B T O T A L
|
| 9,386,089
|
| 8,954,807
|
| 4,699,544
|
| 4,827,281
|
| 4,686,544
|
| 3,940,178
|
|
|
|
|
|
|
| OTRAS CUENTAS ACREEDORAS
|
| 199,163
|
| 219,628
|
| 34,910
|
| 57,590
|
| 164,253
|
| 160,167
|
|
|
|
|
|
|
| C A P I T A L C O N T A B L E
|
| -4,018,494
|
| -3,365,530
|
| 508,598
|
| 378,193
|
| -4,527,093
|
| -3,761,060
|
|
|
|
|
|
|
| CAPITAL PRIMARIO
|
| 487,006
|
| 408,651
|
| 416,989
|
| 323,292
|
| 70,016
|
| 70,016
|
|
|
|
|
|
|
| CAPITAL PAGADO
|
| 324,574
|
| 271,938
|
| 290,423
|
| 223,229
|
| 34,151
|
| 34,153
|
|
|
| Capital Autorizado
|
| 979,000
|
| 941,500
|
| 934,000
|
| 846,500
|
| 45,000
|
| 45,000
|
|
|
| Capital no Pagado (-)
|
| 654,426
|
| 669,562
|
| 643,577
|
| 623,271
|
| 10,849
|
| 10,847
|
|
|
| Casa Matriz, Capital Asignado
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Aportes para Acciones
|
| 21,105
|
| 4,409
|
| 21,061
|
| 4,366
|
| 45
|
| 43
|
|
|
| Otras Aportaciones
|
| 35,652
|
| 35,652
|
| -
|
| -
|
| 35,652
|
| 35,652
|
|
|
| Reservas de Capital
|
| 42,666
|
| 40,197
|
| 42,498
|
| 39,782
|
| 168
|
| 168
|
|
|
| Ganancias por Aplicar de Ejercicios Anteriores
|
| 63,008
|
| 56,455
|
| 63,008
|
| 55,914
|
| -
|
| -
|
|
|
|
|
|
|
| CAPITAL COMPLEMENTARIO
|
| -4,505,500
|
| -3,774,181
|
| 91,609
|
| 54,902
|
| -4,597,109
|
| -3,831,076
|
|
|
|
|
|
|
| OTRAS RESERVAS DE CAPITAL
|
| 78,027
|
| 58,161
|
| 78,027
|
| 55,884
|
| -
|
| -
|
|
|
| RESERVAS PARA ACTIVOS EXTRAORDINARIOS
|
| 105
|
| 30
|
| -
|
| -
|
| 105
|
| 30
|
|
|
| OBLIGACIONES CONVERTIBLES EN ACCIONES
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| OBLIGACIONES SUBORDINADAS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| REVALUACION DE ACTIVOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| GANANCIAS Y PERDIDAS POR FUSION
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| PERDIDAS X APLICAR EJERC. ANT.(-)
|
| 3,835,838
|
| 3,288,176
|
| 5,970
|
| -
|
| 3,829,868
|
| 3,288,176
|
|
|
| AJUSTES AL IMPUESTO SOBRE LA RENTA
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| VALUACION ACTIVOS RECUP. DUDOSA(-)
|
| 40,133
|
| 51,878
|
| 30,038
|
| 48,338
|
| 10,095
|
| 1,238
|
|
|
|
|
| -707,660
|
| -492,318
|
| 49,590
|
| 47,356
|
| -757,251
|
| -541,692
|
|
|
| RESULTADO DEL EJERCICIO
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 5,566,757
|
| 5,808,906
|
| 5,243,053
|
| 5,263,064
|
| 323,704
|
| 339,285
|
|
Superintendencia de
Bancos de Guatemala