| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
| BALANCE GENERAL CONDENSADO
|
|
|
|
|
| AL 31 DE DICIEMBRE DE 2001
|
|
|
| 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
|
| 4,604,051
|
| 5,175,352
|
| 4,286,932
|
| 4,847,519
|
| 316,035
|
| 327,833
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 660,809
|
| 533,909
|
| 658,557
|
| 532,976
|
| 2,252
|
| 933
|
|
|
| Caja
|
| 9,986
|
| 3,307
|
| 9,982
|
| 3,298
|
| 3
|
| 9
|
|
|
| Banco Central
|
| 39,116
|
| 27,207
|
| 37,763
|
| 26,426
|
| 1,353
|
| 781
|
|
|
| Bancos del Pais
|
| 576,131
|
| 482,665
|
| 575,289
|
| 482,524
|
| 841
|
| 141
|
|
|
| Bancos del Exterior
|
| 29,638
|
| 13,184
|
| 29,638
|
| 13,184
|
| -
|
| -
|
|
|
| Cheques y Giros a Compensar
|
| 5,398
|
| 7,414
|
| 5,344
|
| 7,412
|
| 54
|
| 2
|
|
|
| Giros sobre el Exterior
|
| 540
|
| 132
|
| 540
|
| 132
|
| -
|
| -
|
|
|
| INVERSIONES TEMPORALES
|
| 848,898
|
| 974,408
|
| 835,997
|
| 955,965
|
| 12,900
|
| 18,444
|
|
|
| Titulos-Valores de Emisores Nac.
|
| 833,821
|
| 967,579
|
| 820,921
|
| 949,136
|
| 12,900
|
| 18,444
|
|
|
| Titulos-Valores de Emisores Ext.
|
| 17,474
|
| 9,234
|
| 17,474
|
| 9,234
|
| -
|
| -
|
|
|
| Intereses Pagados en Compra de Val.
|
| 1,123
|
| 132
|
| 1,123
|
| 132
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 852,418
|
| 976,946
|
| 839,517
|
| 958,502
|
| 12,900
|
| 18,444
|
|
|
|
|
|
|
| (-) Estimaciones por Valuacion
|
| 3,520
|
| 2,538
|
| 3,520
|
| 2,538
|
| -
|
| -
|
|
|
|
|
|
|
| CARTERA DE CREDITOS
|
| 1,875,378
|
| 2,340,953
|
| 1,869,712
|
| 2,336,852
|
| 5,666
|
| 4,101
|
|
|
| Vigentes
|
| 1,828,439
|
| 2,293,924
|
| 1,820,774
|
| 2,290,224
|
| 7,666
|
| 3,700
|
|
|
| Al Dia
|
| 1,747,717
|
| 2,256,726
|
| 1,740,052
|
| 2,253,025
|
| 7,666
|
| 3,700
|
|
|
| En Mora
|
| 80,722
|
| 37,199
|
| 80,722
|
| 37,199
|
| -
|
| -
|
|
|
| Vencidos
|
| 221,546
|
| 215,916
|
| 77,215
|
| 130,416
|
| 83,180
|
| 85,500
|
|
|
| En Proceso de Prorroga
|
| 5,257
|
| 7,427
|
| 5,257
|
| 7,427
|
| -
|
| -
|
|
|
| En Cobro Administrativo
|
| 78,384
|
| 66,521
|
| 17,233
|
| 66,521
|
| -
|
| -
|
|
|
| En Cobro Judicial
|
| 137,906
|
| 141,968
|
| 54,726
|
| 56,468
|
| 83,180
|
| 85,500
|
|
|
|
|
|
|
| SUMA
|
| 2,049,985
|
| 2,509,841
|
| 1,897,989
|
| 2,420,640
|
| 90,846
|
| 89,200
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 174,607
|
| 168,888
|
| 28,276
|
| 83,788
|
| 85,180
|
| 85,100
|
|
|
|
|
|
|
| PRODUCTOS FINANCIEROS POR COBRAR
|
| 174,887
|
| 214,720
|
| 67,748
|
| 106,017
|
| 107,139
|
| 108,703
|
|
|
| CUENTAS POR COBRAR (Neto)
|
| 36,294
|
| 43,647
|
| 34,277
|
| 41,978
|
| 1,970
|
| 1,669
|
|
|
| GASTOS ANTICIPADOS
|
| 17,367
|
| 14,809
|
| 16,356
|
| 14,668
|
| 161
|
| 141
|
|
|
| ACTIVOS EXTRAORDINARIOS (Neto)
|
| 265,964
|
| 238,252
|
| 89,006
|
| 54,773
|
| 176,958
|
| 183,479
|
|
|
| INVERSIONES A LARGO PLAZO
|
| 418,771
|
| 468,591
|
| 411,820
|
| 460,570
|
| 6,771
|
| 8,021
|
|
|
| Titulos-Valores de Emisores Nacionales
|
| 419,938
|
| 468,276
|
| 411,745
|
| 458,684
|
| 8,012
|
| 9,591
|
|
|
| Titulos-Valores de Emisores Extranjeros
|
| 376
|
| 1,870
|
| -
|
| 1,823
|
| 376
|
| 47
|
|
|
| Intereses pagados en compra de valores
|
| 991
|
| 63
|
| 991
|
| 63
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 420,389
|
| 470,209
|
| 411,820
|
| 460,570
|
| 8,389
|
| 9,639
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 1,618
|
| 1,618
|
| -
|
| -
|
| 1,618
|
| 1,618
|
|
|
|
|
|
|
| OTRAS INVERSIONES
|
| 278,712
|
| 317,727
|
| 278,712
|
| 317,727
|
| -
|
| -
|
|
|
| SUC., CASA MATRIZ Y DEPTOS. ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| INMUEBLES Y MUEBLES (Neto)
|
| 24,192
|
| 24,801
|
| 22,013
|
| 22,505
|
| 2,173
|
| 2,296
|
|
|
| CARGOS DIFERIDOS (Neto)
|
| 2,777
|
| 3,534
|
| 2,733
|
| 3,488
|
| 44
|
| 46
|
|
|
|
|
|
|
| P A S I V O
|
| 8,004,533
|
| 9,417,583
|
| 3,680,737
|
| 4,381,365
|
| 4,248,970
|
| 5,036,219
|
|
|
|
|
|
|
| DEPOSITOS
|
| 104
|
| 97
|
| 104
|
| 97
|
| -
|
| -
|
|
|
| Depositos a la Vista
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos de Ahorro
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos a Plazo
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Otros Depositos
|
| 104
|
| 97
|
| 104
|
| 97
|
| -
|
| -
|
|
|
| CREDITOS OBTENIDOS
|
| 1,231,346
|
| 1,701,862
|
| 131,064
|
| 194,262
|
| 1,099,868
|
| 1,507,600
|
|
|
| Banco Central
|
| 414
|
| 414
|
| -
|
| 414
|
| -
|
| -
|
|
|
| Instituciones Financieras
|
| 55,426
|
| 55,651
|
| -
|
| -
|
| 55,426
|
| 55,651
|
|
|
| Organismos Internacionales y Entidades Extranjeras
|
| 10,273
|
| 19,707
|
| 10,273
|
| 19,707
|
| -
|
| -
|
|
|
| Bancos del Exterior
|
| 1,165,233
|
| 1,626,091
|
| 120,792
|
| 174,141
|
| 1,044,441
|
| 1,451,949
|
|
|
|
|
|
|
| OBLIGACIONES FINANCIERAS
|
| 3,347,842
|
| 3,944,122
|
| 3,294,903
|
| 3,944,122
|
| -
|
| -
|
|
|
|
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| TITULOS DE CAPITALIZACION
|
|
|
| GASTOS FINANCIEROS POR PAGAR
|
| 3,040,082
|
| 3,397,383
|
| 44,665
|
| 44,892
|
| 2,974,847
|
| 3,352,491
|
|
|
| CUENTAS POR PAGAR
|
| 164,190
|
| 133,194
|
| 160,511
|
| 130,365
|
| 2,822
|
| 2,828
|
|
|
| PROVISIONES
|
| 1,630
|
| 1,665
|
| 1,630
|
| 1,665
|
| -
|
| -
|
|
|
| SUC. , CASA MATRIZ Y DEPTOS ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| CREDITOS DIFERIDOS
|
| 1,367
|
| 2,533
|
| 1,367
|
| 2,532
|
| -
|
| 0
|
|
|
|
|
|
|
| S U B T O T A L
|
| 7,786,560
|
| 9,180,857
|
| 3,634,244
|
| 4,317,937
|
| 4,077,537
|
| 4,862,920
|
|
|
|
|
|
|
| OTRAS CUENTAS ACREEDORAS
|
| 217,973
|
| 236,727
|
| 46,493
|
| 63,427
|
| 171,434
|
| 173,299
|
|
|
|
|
|
|
| C A P I T A L C O N T A B L E
|
| -3,400,482
|
| -4,242,231
|
| 606,196
|
| 466,155
|
| -3,932,936
|
| -4,708,386
|
|
|
|
|
|
|
| CAPITAL PRIMARIO
|
| 601,920
|
| 540,608
|
| 502,058
|
| 470,592
|
| 70,016
|
| 70,016
|
|
|
|
|
|
|
| CAPITAL PAGADO
|
| 430,277
|
| 361,028
|
| 366,409
|
| 326,877
|
| 34,151
|
| 34,151
|
|
|
| Capital Autorizado
|
| 1,204,000
|
| 1,009,000
|
| 959,000
|
| 964,000
|
| 45,000
|
| 45,000
|
|
|
| Capital no Pagado (-)
|
| 773,723
|
| 647,972
|
| 592,591
|
| 637,123
|
| 10,849
|
| 10,849
|
|
|
| Casa Matriz, Capital Asignado
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Aportes para Acciones
|
| 939
|
| 10,618
|
| 894
|
| 10,573
|
| 45
|
| 45
|
|
|
| Otras Aportaciones
|
| 35,652
|
| 35,652
|
| -
|
| -
|
| 35,652
|
| 35,652
|
|
|
| Reservas de Capital
|
| 48,872
|
| 45,552
|
| 48,574
|
| 45,384
|
| 168
|
| 168
|
|
|
| Ganancias por Aplicar de Ejercicios Anteriores
|
| 86,180
|
| 87,758
|
| 86,180
|
| 87,758
|
| -
|
| -
|
|
|
|
|
|
|
| CAPITAL COMPLEMENTARIO
|
| -4,002,402
|
| -4,782,839
|
| 104,138
|
| -4,437
|
| -4,002,952
|
| -4,778,402
|
|
|
|
|
|
|
| OTRAS RESERVAS DE CAPITAL
|
| 9,040
|
| 48,350
|
| 68,601
|
| 48,350
|
| -
|
| -
|
|
|
| RESERVAS PARA ACTIVOS EXTRAORDINARIOS
|
| -
|
| 165
|
| -
|
| -
|
| -
|
| 165
|
|
|
| OBLIGACIONES CONVERTIBLES EN ACCIONES
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| OBLIGACIONES SUBORDINADAS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| REVALUACION DE ACTIVOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| GANANCIAS Y PERDIDAS POR FUSION
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| PERDIDAS X APLICAR EJERC. ANT.(-)
|
| 1,049,795
|
| 4,610,563
|
| -
|
| 23,444
|
| 1,014,208
|
| 4,587,119
|
|
|
| AJUSTES AL IMPUESTO SOBRE LA RENTA
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| VALUACION ACTIVOS RECUP. DUDOSA(-)
|
| 41,570
|
| 94,594
|
| 29,075
|
| 84,500
|
| 12,495
|
| 10,095
|
|
|
|
|
| -2,920,077
|
| -126,197
|
| 64,613
|
| 55,156
|
| -2,976,248
|
| -181,353
|
|
|
| RESULTADO DEL EJERCICIO
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 4,604,051
|
| 5,175,352
|
| 4,286,932
|
| 4,847,519
|
| 316,035
|
| 327,833
|
|
Superintendencia de
Bancos de Guatemala