| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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|
| AL 31 DE DICIEMBRE DE 2000
|
|
|
|
|
| BALANCE GENERAL CONDENSADO
|
|
|
| CUADRO 3.3
|
| ( En miles de Quetzales )
|
|
|
|
|
| SOCIEDADES FINANCIERAS
|
| AŅO ANTERIOR
|
| FINANCIERAS PRIVADAS
|
| AŅO ANTERIOR
|
| CORPORACION FINANCIERA NACIONAL
|
| AŅO ANTERIOR
|
|
|
|
|
|
|
|
|
|
|
|
|
| A C T I V O
|
| 5,175,352
|
| 5,566,757
|
| 4,847,519
|
| 5,243,053
|
| 327,833
|
| 323,704
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 533,909
|
| 492,516
|
| 532,976
|
| 491,190
|
| 933
|
| 1,327
|
|
|
| Caja
|
| 3,307
|
| 1,764
|
| 3,298
|
| 1,756
|
| 9
|
| 8
|
|
|
| Banco Central
|
| 27,207
|
| 44,384
|
| 26,426
|
| 43,358
|
| 781
|
| 1,026
|
|
|
| Bancos del Pais
|
| 482,665
|
| 428,403
|
| 482,524
|
| 428,110
|
| 141
|
| 292
|
|
|
| Bancos del Exterior
|
| 13,184
|
| 10,748
|
| 13,184
|
| 10,748
|
| -
|
| -
|
|
|
| Cheques y Giros a Compensar
|
| 7,414
|
| 7,217
|
| 7,412
|
| 7,217
|
| 2
|
| 0
|
|
|
| Giros sobre el Exterior
|
| 132
|
| -
|
| 132
|
| -
|
| -
|
| -
|
|
|
| INVERSIONES TEMPORALES
|
| 974,408
|
| 970,993
|
| 955,965
|
| 948,976
|
| 18,444
|
| 22,017
|
|
|
| Titulos-Valores de Emisores Nac.
|
| 967,579
|
| 964,362
|
| 949,136
|
| 942,345
|
| 18,444
|
| 22,017
|
|
|
| Titulos-Valores de Emisores Ext.
|
| 9,234
|
| 9,291
|
| 9,234
|
| 9,291
|
| -
|
| -
|
|
|
| Intereses Pagados en Compra de Val.
|
| 132
|
| -
|
| 132
|
| -
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 976,946
|
| 973,653
|
| 958,502
|
| 951,636
|
| 18,444
|
| 22,017
|
|
|
|
|
|
|
| (-) Estimaciones por Valuacion
|
| 2,538
|
| 2,660
|
| 2,538
|
| 2,660
|
| -
|
| -
|
|
|
|
|
|
|
| CARTERA DE CREDITOS
|
| 2,340,953
|
| 3,004,574
|
| 2,336,852
|
| 3,000,429
|
| 4,101
|
| 4,145
|
|
|
| Vigentes
|
| 2,293,924
|
| 2,916,466
|
| 2,290,224
|
| 2,912,722
|
| 3,700
|
| 3,744
|
|
|
| Al Dia
|
| 2,256,726
|
| 2,864,598
|
| 2,253,025
|
| 2,860,854
|
| 3,700
|
| 3,744
|
|
|
| En Mora
|
| 37,199
|
| 51,868
|
| 37,199
|
| 51,868
|
| -
|
| -
|
|
|
| Vencidos
|
| 215,916
|
| 214,616
|
| 130,416
|
| 129,008
|
| 85,500
|
| 85,607
|
|
|
| En Proceso de Prorroga
|
| 7,427
|
| 113
|
| 7,427
|
| 113
|
| -
|
| -
|
|
|
| En Cobro Administrativo
|
| 66,521
|
| 64,575
|
| 66,521
|
| 64,575
|
| -
|
| -
|
|
|
| En Cobro Judicial
|
| 141,968
|
| 149,929
|
| 56,468
|
| 64,321
|
| 85,500
|
| 85,607
|
|
|
|
|
|
|
| SUMA
|
| 2,509,841
|
| 3,131,082
|
| 2,420,640
|
| 3,041,731
|
| 89,200
|
| 89,351
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 168,888
|
| 126,508
|
| 83,788
|
| 41,301
|
| 85,100
|
| 85,207
|
|
|
|
|
|
|
| PRODUCTOS FINANCIEROS POR COBRAR
|
| 214,720
|
| 133,694
|
| 106,017
|
| 34,401
|
| 108,703
|
| 99,293
|
|
|
| CUENTAS POR COBRAR (Neto)
|
| 43,647
|
| 38,572
|
| 41,978
|
| 37,000
|
| 1,669
|
| 1,572
|
|
|
| GASTOS ANTICIPADOS
|
| 14,809
|
| 13,352
|
| 14,668
|
| 13,212
|
| 141
|
| 141
|
|
|
| ACTIVOS EXTRAORDINARIOS (Neto)
|
| 238,252
|
| 224,489
|
| 54,773
|
| 40,343
|
| 183,479
|
| 184,146
|
|
|
| INVERSIONES A LARGO PLAZO
|
| 468,591
|
| 356,479
|
| 460,570
|
| 347,882
|
| 8,021
|
| 8,597
|
|
|
| Titulos-Valores de Emisores Nacionales
|
| 468,276
|
| 344,427
|
| 458,684
|
| 334,260
|
| 9,591
|
| 10,167
|
|
|
| Titulos-Valores de Emisores Extranjeros
|
| 1,870
|
| 13,606
|
| 1,823
|
| 13,559
|
| 47
|
| 47
|
|
|
| Intereses pagados en compra de valores
|
| 63
|
| 596
|
| 63
|
| 596
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 470,209
|
| 358,097
|
| 460,570
|
| 347,882
|
| 9,639
|
| 10,215
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 1,618
|
| 1,618
|
| -
|
| -
|
| 1,618
|
| 1,618
|
|
|
|
|
|
|
| OTRAS INVERSIONES
|
| 317,727
|
| 307,380
|
| 317,727
|
| 307,380
|
| -
|
| -
|
|
|
| SUC., CASA MATRIZ Y DEPTOS. ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| INMUEBLES Y MUEBLES (Neto)
|
| 24,801
|
| 21,077
|
| 22,505
|
| 18,658
|
| 2,296
|
| 2,419
|
|
|
| CARGOS DIFERIDOS (Neto)
|
| 3,534
|
| 3,630
|
| 3,488
|
| 3,582
|
| 46
|
| 48
|
|
|
|
|
|
|
| P A S I V O
|
| 9,417,583
|
| 9,585,251
|
| 4,381,365
|
| 4,734,454
|
| 5,036,219
|
| 4,850,797
|
|
|
|
|
|
|
| DEPOSITOS
|
| 97
|
| 8
|
| 97
|
| 8
|
| -
|
| -
|
|
|
| Depositos a la Vista
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos de Ahorro
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos a Plazo
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Otros Depositos
|
| 97
|
| 8
|
| 97
|
| 8
|
| -
|
| -
|
|
|
| CREDITOS OBTENIDOS
|
| 1,701,862
|
| 1,787,641
|
| 194,262
|
| 271,779
|
| 1,507,600
|
| 1,515,862
|
|
|
| Banco Central
|
| 414
|
| 41,681
|
| 414
|
| 41,681
|
| -
|
| -
|
|
|
| Instituciones Financieras
|
| 55,651
|
| 57,279
|
| -
|
| -
|
| 55,651
|
| 57,279
|
|
|
| Organismos Internacionales y Entidades Extranjeras
|
| 19,707
|
| 25,358
|
| 19,707
|
| 25,358
|
| -
|
| -
|
|
|
| Bancos del Exterior
|
| 1,626,091
|
| 1,663,322
|
| 174,141
|
| 204,740
|
| 1,451,949
|
| 1,458,582
|
|
|
|
|
|
|
| OBLIGACIONES FINANCIERAS
|
| 3,944,122
|
| 4,303,767
|
| 3,944,122
|
| 4,303,767
|
| -
|
| -
|
|
|
|
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| TITULOS DE CAPITALIZACION
|
|
|
| GASTOS FINANCIEROS POR PAGAR
|
| 3,397,383
|
| 3,194,867
|
| 44,892
|
| 27,532
|
| 3,352,491
|
| 3,167,334
|
|
|
| CUENTAS POR PAGAR
|
| 133,194
|
| 94,722
|
| 130,365
|
| 91,374
|
| 2,828
|
| 3,348
|
|
|
| PROVISIONES
|
| 1,665
|
| 2,209
|
| 1,665
|
| 2,209
|
| -
|
| -
|
|
|
| SUC. , CASA MATRIZ Y DEPTOS ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| CREDITOS DIFERIDOS
|
| 2,533
|
| 2,875
|
| 2,532
|
| 2,874
|
| -
|
| 0
|
|
|
|
|
|
|
| S U B T O T A L
|
| 9,180,857
|
| 9,386,089
|
| 4,317,937
|
| 4,699,544
|
| 4,862,920
|
| 4,686,544
|
|
|
|
|
|
|
| OTRAS CUENTAS ACREEDORAS
|
| 236,727
|
| 199,163
|
| 63,427
|
| 34,910
|
| 173,299
|
| 164,253
|
|
|
|
|
|
|
| C A P I T A L C O N T A B L E
|
| -4,242,231
|
| -4,018,494
|
| 466,155
|
| 508,598
|
| -4,708,386
|
| -4,527,093
|
|
|
|
|
|
|
| CAPITAL PRIMARIO
|
| 540,608
|
| 487,006
|
| 470,592
|
| 416,989
|
| 70,016
|
| 70,016
|
|
|
|
|
|
|
| CAPITAL PAGADO
|
| 361,028
|
| 324,574
|
| 326,877
|
| 290,423
|
| 34,151
|
| 34,151
|
|
|
| Capital Autorizado
|
| 1,009,000
|
| 979,000
|
| 964,000
|
| 934,000
|
| 45,000
|
| 45,000
|
|
|
| Capital no Pagado (-)
|
| 647,972
|
| 654,426
|
| 637,123
|
| 643,577
|
| 10,849
|
| 10,849
|
|
|
| Casa Matriz, Capital Asignado
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Aportes para Acciones
|
| 10,618
|
| 21,105
|
| 10,573
|
| 21,061
|
| 45
|
| 45
|
|
|
| Otras Aportaciones
|
| 35,652
|
| 35,652
|
| -
|
| -
|
| 35,652
|
| 35,652
|
|
|
| Reservas de Capital
|
| 45,552
|
| 42,666
|
| 45,384
|
| 42,498
|
| 168
|
| 168
|
|
|
| Ganancias por Aplicar de Ejercicios Anteriores
|
| 87,758
|
| 63,008
|
| 87,758
|
| 63,008
|
| -
|
| -
|
|
|
|
|
|
|
| CAPITAL COMPLEMENTARIO
|
| -4,782,839
|
| -4,505,500
|
| -4,437
|
| 91,609
|
| -4,778,402
|
| -4,597,109
|
|
|
|
|
|
|
| OTRAS RESERVAS DE CAPITAL
|
| 48,350
|
| 78,027
|
| 48,350
|
| 78,027
|
| -
|
| -
|
|
|
| RESERVAS PARA ACTIVOS EXTRAORDINARIOS
|
| 165
|
| 105
|
| -
|
| -
|
| 165
|
| 105
|
|
|
| OBLIGACIONES CONVERTIBLES EN ACCIONES
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| OBLIGACIONES SUBORDINADAS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| REVALUACION DE ACTIVOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| GANANCIAS Y PERDIDAS POR FUSION
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| PERDIDAS X APLICAR EJERC. ANT.(-)
|
| 4,610,563
|
| 3,835,838
|
| 23,444
|
| 5,970
|
| 4,587,119
|
| 3,829,868
|
|
|
| AJUSTES AL IMPUESTO SOBRE LA RENTA
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| VALUACION ACTIVOS RECUP. DUDOSA(-)
|
| 94,594
|
| 40,133
|
| 84,500
|
| 30,038
|
| 10,095
|
| 10,095
|
|
|
|
|
| -126,197
|
| -707,660
|
| 55,156
|
| 49,590
|
| -181,353
|
| -757,251
|
|
|
| RESULTADO DEL EJERCICIO
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 5,175,352
|
| 5,566,757
|
| 4,847,519
|
| 5,243,053
|
| 327,833
|
| 323,704
|
|
Superintendencia de
Bancos de Guatemala