| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
| BALANCE GENERAL CONDENSADO
|
|
|
|
|
| AL 31 DE DICIEMBRE DE 2002
|
|
|
| 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
|
| 4,315,213
|
| 4,604,051
|
| 3,996,860
|
| 4,286,932
|
| 318,353
|
| 316,035
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 724,356
|
| 660,809
|
| 712,274
|
| 658,557
|
| 12,082
|
| 2,252
|
|
|
| Caja
|
| 5,494
|
| 9,986
|
| 5,490
|
| 9,982
|
| 4
|
| 3
|
|
|
| Banco Central
|
| 44,980
|
| 39,116
|
| 43,226
|
| 37,763
|
| 1,754
|
| 1,353
|
|
|
| Bancos del Pais
|
| 556,600
|
| 576,131
|
| 556,276
|
| 575,289
|
| 324
|
| 841
|
|
|
| Bancos del Exterior
|
| 102,249
|
| 29,638
|
| 102,249
|
| 29,638
|
| -
|
| -
|
|
|
| Cheques y Giros a Compensar
|
| 14,490
|
| 5,398
|
| 4,490
|
| 5,344
|
| 10,000
|
| 54
|
|
|
| Giros sobre el Exterior
|
| 542
|
| 540
|
| 542
|
| 540
|
| -
|
| -
|
|
|
| INVERSIONES TEMPORALES
|
| 855,200
|
| 848,898
|
| 845,253
|
| 835,997
|
| 9,947
|
| 12,900
|
|
|
| Titulos-Valores de Emisores Nac.
|
| 790,380
|
| 833,821
|
| 780,433
|
| 820,921
|
| 9,947
|
| 12,900
|
|
|
| Titulos-Valores de Emisores Ext.
|
| 65,281
|
| 17,474
|
| 65,281
|
| 17,474
|
| -
|
| -
|
|
|
| Intereses Pagados en Compra de Val.
|
| 2,032
|
| 1,123
|
| 2,032
|
| 1,123
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 857,693
|
| 852,418
|
| 847,746
|
| 839,517
|
| 9,947
|
| 12,900
|
|
|
|
|
|
|
| (-) Estimaciones por Valuacion
|
| 2,493
|
| 3,520
|
| 2,493
|
| 3,520
|
| -
|
| -
|
|
|
|
|
|
|
| CARTERA DE CREDITOS
|
| 1,550,755
|
| 1,875,378
|
| 1,548,818
|
| 1,869,712
|
| 1,937
|
| 5,666
|
|
|
| Vigentes
|
| 1,516,507
|
| 1,828,439
|
| 1,510,973
|
| 1,820,774
|
| 5,534
|
| 7,666
|
|
|
| Al Dia
|
| 1,451,632
|
| 1,747,717
|
| 1,449,695
|
| 1,740,052
|
| 1,937
|
| 7,666
|
|
|
| En Mora
|
| 64,875
|
| 80,722
|
| 61,279
|
| 80,722
|
| 3,597
|
| -
|
|
|
| Vencidos
|
| 158,686
|
| 221,546
|
| 76,159
|
| 77,215
|
| 82,527
|
| 83,180
|
|
|
| En Proceso de Prorroga
|
| 20,070
|
| 5,257
|
| 20,070
|
| 5,257
|
| -
|
| -
|
|
|
| En Cobro Administrativo
|
| 14,574
|
| 78,384
|
| 14,574
|
| 17,233
|
| -
|
| -
|
|
|
| En Cobro Judicial
|
| 124,043
|
| 137,906
|
| 41,516
|
| 54,726
|
| 82,527
|
| 83,180
|
|
|
|
|
|
|
| SUMA
|
| 1,675,193
|
| 2,049,985
|
| 1,587,132
|
| 1,897,989
|
| 88,061
|
| 90,846
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 124,438
|
| 174,607
|
| 38,315
|
| 28,276
|
| 86,123
|
| 85,180
|
|
|
|
|
|
|
| PRODUCTOS FINANCIEROS POR COBRAR
|
| 182,200
|
| 174,887
|
| 74,232
|
| 67,748
|
| 107,968
|
| 107,139
|
|
|
| CUENTAS POR COBRAR (Neto)
|
| 41,855
|
| 36,294
|
| 40,012
|
| 34,277
|
| 1,843
|
| 1,970
|
|
|
| GASTOS ANTICIPADOS
|
| 43,447
|
| 17,367
|
| 43,344
|
| 16,356
|
| 103
|
| 161
|
|
|
| ACTIVOS EXTRAORDINARIOS (Neto)
|
| 247,934
|
| 265,964
|
| 71,033
|
| 89,006
|
| 176,901
|
| 176,958
|
|
|
| INVERSIONES A LARGO PLAZO
|
| 400,856
|
| 418,771
|
| 395,388
|
| 411,820
|
| 5,468
|
| 6,771
|
|
|
| Titulos-Valores de Emisores Nacionales
|
| 403,169
|
| 419,938
|
| 395,239
|
| 411,745
|
| 7,930
|
| 8,012
|
|
|
| Titulos-Valores de Emisores Extranjeros
|
| 366
|
| 376
|
| -
|
| -
|
| 366
|
| 376
|
|
|
| Intereses pagados en compra de valores
|
| 677
|
| 991
|
| 677
|
| 991
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 403,684
|
| 420,389
|
| 395,388
|
| 411,820
|
| 8,296
|
| 8,389
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 2,828
|
| 1,618
|
| -
|
| -
|
| 2,828
|
| 1,618
|
|
|
|
|
|
|
| OTRAS INVERSIONES
|
| 250,178
|
| 278,712
|
| 250,178
|
| 278,712
|
| -
|
| -
|
|
|
| SUC., CASA MATRIZ Y DEPTOS. ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| INMUEBLES Y MUEBLES (Neto)
|
| 16,320
|
| 24,192
|
| 14,259
|
| 22,013
|
| 2,061
|
| 2,173
|
|
|
| CARGOS DIFERIDOS (Neto)
|
| 2,111
|
| 2,777
|
| 2,068
|
| 2,733
|
| 43
|
| 44
|
|
|
|
|
|
|
| P A S I V O
|
| 7,639,278
|
| 8,004,533
|
| 3,384,439
|
| 3,680,737
|
| 4,254,839
|
| 4,248,970
|
|
|
|
|
|
|
| DEPOSITOS
|
| 733
|
| 104
|
| 733
|
| 104
|
| -
|
| -
|
|
|
| Depositos a la Vista
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos de Ahorro
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos a Plazo
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Otros Depositos
|
| 733
|
| 104
|
| 733
|
| 104
|
| -
|
| -
|
|
|
| CREDITOS OBTENIDOS
|
| 1,169,545
|
| 1,231,346
|
| 98,348
|
| 131,064
|
| 1,071,198
|
| 1,099,868
|
|
|
| Banco Central
|
| 1,569
|
| 414
|
| 1,569
|
| -
|
| -
|
| -
|
|
|
| Instituciones Financieras
|
| 64,565
|
| 55,426
|
| 6,953
|
| -
|
| 57,612
|
| 55,426
|
|
|
| Organismos Internacionales y Entidades Extranjeras
|
| 8,129
|
| 10,273
|
| 8,129
|
| 10,273
|
| -
|
| -
|
|
|
| Bancos del Exterior
|
| 1,095,282
|
| 1,165,233
|
| 81,697
|
| 120,792
|
| 1,013,585
|
| 1,044,441
|
|
|
|
|
|
|
| OBLIGACIONES FINANCIERAS
|
| 3,026,725
|
| 3,347,842
|
| 3,026,725
|
| 3,294,903
|
| -
|
| -
|
|
|
|
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| TITULOS DE CAPITALIZACION
|
|
|
| GASTOS FINANCIEROS POR PAGAR
|
| 3,029,117
|
| 3,040,082
|
| 28,144
|
| 44,665
|
| 3,000,973
|
| 2,974,847
|
|
|
| CUENTAS POR PAGAR
|
| 194,668
|
| 164,190
|
| 181,789
|
| 160,511
|
| 12,879
|
| 2,822
|
|
|
| PROVISIONES
|
| 2,311
|
| 1,630
|
| 2,311
|
| 1,630
|
| -
|
| -
|
|
|
| SUC. , CASA MATRIZ Y DEPTOS ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| CREDITOS DIFERIDOS
|
| 1,630
|
| 1,367
|
| 1,630
|
| 1,367
|
| -
|
| 0
|
|
|
|
|
|
|
| S U B T O T A L
|
| 7,424,729
|
| 7,786,560
|
| 3,339,679
|
| 3,634,244
|
| 4,085,050
|
| 4,077,537
|
|
|
|
|
|
|
| OTRAS CUENTAS ACREEDORAS
|
| 214,548
|
| 217,973
|
| 44,760
|
| 46,493
|
| 169,789
|
| 171,434
|
|
|
|
|
|
|
| C A P I T A L C O N T A B L E
|
| -3,324,065
|
| -3,400,482
|
| 612,421
|
| 606,196
|
| -3,936,485
|
| -3,932,936
|
|
|
|
|
|
|
| CAPITAL PRIMARIO
|
| 557,810
|
| 601,920
|
| 487,793
|
| 502,058
|
| 70,016
|
| 70,016
|
|
|
|
|
|
|
| CAPITAL PAGADO
|
| 458,946
|
| 430,277
|
| 424,795
|
| 366,409
|
| 34,151
|
| 34,151
|
|
|
| Capital Autorizado
|
| 1,134,000
|
| 1,204,000
|
| 1,089,000
|
| 959,000
|
| 45,000
|
| 45,000
|
|
|
| Capital no Pagado (-)
|
| 675,054
|
| 773,723
|
| 664,205
|
| 592,591
|
| 10,849
|
| 10,849
|
|
|
| Casa Matriz, Capital Asignado
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Aportes para Acciones
|
| 939
|
| 939
|
| 894
|
| 894
|
| 45
|
| 45
|
|
|
| Otras Aportaciones
|
| 35,652
|
| 35,652
|
| -
|
| -
|
| 35,652
|
| 35,652
|
|
|
| Reservas de Capital
|
| 62,272
|
| 48,872
|
| 62,104
|
| 48,574
|
| 168
|
| 168
|
|
|
|
|
|
|
| CAPITAL COMPLEMENTARIO
|
| -3,881,874
|
| -4,002,402
|
| 124,627
|
| 104,138
|
| -4,006,502
|
| -4,002,952
|
|
|
|
|
|
|
| OTRAS RESERVAS DE CAPITAL
|
| 50,746
|
| 9,040
|
| 50,746
|
| 68,601
|
| -
|
| -
|
|
|
| RESERVAS PARA ACTIVOS EXTRAORDINARIOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| OBLIGACIONES CONVERTIBLES EN ACCIONES
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| OBLIGACIONES SUBORDINADAS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| REVALUACION DE ACTIVOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| GANANCIAS Y PERDIDAS POR FUSION
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| PERDIDAS X APLICAR EJERC. ANT.(-)
|
| 7,747,638
|
| 1,049,795
|
| 2,917
|
| -
|
| 7,744,721
|
| 1,014,208
|
|
|
| AJUSTES AL IMPUESTO SOBRE LA RENTA
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| GANANCIAS POR APLICAR DE EJERCICIOS ANTERIORES
|
| 40,221
|
| 86,180
|
| 40,221
|
| 86,180
|
| -
|
| -
|
|
|
|
|
|
| VALUACION ACTIVOS RECUP. DUDOSA(-)
|
| 38,806
|
| 41,570
|
| 23,509
|
| 29,075
|
| 15,297
|
| 12,495
|
|
|
| RESULTADO DEL EJERCICIO
|
| 3,813,603
|
| -2,920,077
|
| 60,087
|
| 64,613
|
| 3,753,516
|
| -2,976,248
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 4,315,213
|
| 4,604,051
|
| 3,996,860
|
| 4,286,932
|
| 318,353
|
| 316,035
|
|
Superintendencia de
Bancos de Guatemala