| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
| BALANCE GENERAL CONDENSADO
|
|
|
|
|
| AL 31 DE DICIEMBRE DE 2003
|
|
|
| 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
|
| 4,142,753
|
| 4,315,213
|
| 3,786,560
|
| 3,996,860
|
| 356,194
|
| 318,353
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 485,241
|
| 724,356
|
| 482,954
|
| 712,274
|
| 2,287
|
| 12,082
|
|
|
| Caja
|
| 1,759
|
| 5,494
|
| 1,757
|
| 5,490
|
| 2
|
| 4
|
|
|
| Banco Central
|
| 68,854
|
| 44,980
|
| 67,057
|
| 43,226
|
| 1,796
|
| 1,754
|
|
|
| Bancos del Pais
|
| 266,969
|
| 556,600
|
| 266,482
|
| 556,276
|
| 487
|
| 324
|
|
|
| Bancos del Exterior
|
| 143,935
|
| 102,249
|
| 143,935
|
| 102,249
|
| -
|
| -
|
|
|
| Cheques y Giros a Compensar
|
| 3,724
|
| 14,490
|
| 3,723
|
| 4,490
|
| 1
|
| 10,000
|
|
|
| Giros sobre el Exterior
|
| -
|
| 542
|
| -
|
| 542
|
| -
|
| -
|
|
|
| INVERSIONES TEMPORALES
|
| 924,855
|
| 855,200
|
| 877,348
|
| 845,253
|
| 47,507
|
| 9,947
|
|
|
| Titulos-Valores de Emisores Nac.
|
| 836,044
|
| 790,380
|
| 788,536
|
| 780,433
|
| 47,507
|
| 9,947
|
|
|
| Titulos-Valores de Emisores Ext.
|
| 92,593
|
| 65,281
|
| 92,593
|
| 65,281
|
| -
|
| -
|
|
|
| Intereses Pagados en Compra de Val.
|
| 3,403
|
| 2,032
|
| 3,403
|
| 2,032
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 932,039
|
| 857,693
|
| 884,532
|
| 847,746
|
| 47,507
|
| 9,947
|
|
|
|
|
|
|
| (-) Estimaciones por Valuacion
|
| 7,184
|
| 2,493
|
| 7,184
|
| 2,493
|
| -
|
| -
|
|
|
|
|
|
|
| CARTERA DE CREDITOS
|
| 1,577,190
|
| 1,550,755
|
| 1,577,154
|
| 1,548,818
|
| 36
|
| 1,937
|
|
|
| Vigentes
|
| 1,552,209
|
| 1,516,507
|
| 1,552,173
|
| 1,510,973
|
| 36
|
| 5,534
|
|
|
| Al Dia
|
| 1,499,561
|
| 1,451,632
|
| 1,499,525
|
| 1,449,695
|
| 36
|
| 1,937
|
|
|
| En Mora
|
| 52,648
|
| 64,875
|
| 52,648
|
| 61,279
|
| -
|
| 3,597
|
|
|
| Vencidos
|
| 153,598
|
| 158,686
|
| 69,477
|
| 76,159
|
| 84,121
|
| 82,527
|
|
|
| En Proceso de Prorroga
|
| 4,001
|
| 20,070
|
| 4,001
|
| 20,070
|
| -
|
| -
|
|
|
| En Cobro Administrativo
|
| 33,855
|
| 14,574
|
| 33,855
|
| 14,574
|
| -
|
| -
|
|
|
| En Cobro Judicial
|
| 115,743
|
| 124,043
|
| 31,622
|
| 41,516
|
| 84,121
|
| 82,527
|
|
|
|
|
|
|
| SUMA
|
| 1,705,807
|
| 1,675,193
|
| 1,621,650
|
| 1,587,132
|
| 84,156
|
| 88,061
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 128,617
|
| 124,438
|
| 44,496
|
| 38,315
|
| 84,121
|
| 86,123
|
|
|
|
|
|
|
| PRODUCTOS FINANCIEROS POR COBRAR
|
| 174,877
|
| 182,200
|
| 57,372
|
| 74,232
|
| 117,504
|
| 107,968
|
|
|
| CUENTAS POR COBRAR (Neto)
|
| 28,704
|
| 41,855
|
| 26,659
|
| 40,012
|
| 2,045
|
| 1,843
|
|
|
| GASTOS ANTICIPADOS
|
| 26,986
|
| 43,447
|
| 26,907
|
| 43,344
|
| 79
|
| 103
|
|
|
| ACTIVOS EXTRAORDINARIOS (Neto)
|
| 263,679
|
| 247,934
|
| 84,420
|
| 71,033
|
| 179,259
|
| 176,901
|
|
|
| INVERSIONES A LARGO PLAZO
|
| 481,644
|
| 400,856
|
| 476,163
|
| 395,388
|
| 5,481
|
| 5,468
|
|
|
| Titulos-Valores de Emisores Nacionales
|
| 479,093
|
| 403,169
|
| 471,163
|
| 395,239
|
| 7,930
|
| 7,930
|
|
|
| Titulos-Valores de Emisores Extranjeros
|
| 4,460
|
| 366
|
| 4,080
|
| -
|
| 379
|
| 366
|
|
|
| Intereses pagados en compra de valores
|
| 2,550
|
| 677
|
| 2,550
|
| 677
|
| -
|
| -
|
|
|
|
|
|
|
| SUMA
|
| 484,572
|
| 403,684
|
| 476,262
|
| 395,388
|
| 8,309
|
| 8,296
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 2,928
|
| 2,828
|
| 100
|
| -
|
| 2,828
|
| 2,828
|
|
|
|
|
|
|
| OTRAS INVERSIONES
|
| 158,266
|
| 250,178
|
| 158,266
|
| 250,178
|
| -
|
| -
|
|
|
| SUC., CASA MATRIZ Y DEPTOS. ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| INMUEBLES Y MUEBLES (Neto)
|
| 18,738
|
| 16,320
|
| 16,762
|
| 14,259
|
| 1,976
|
| 2,061
|
|
|
| CARGOS DIFERIDOS (Neto)
|
| 2,574
|
| 2,111
|
| 2,553
|
| 2,068
|
| 21
|
| 43
|
|
|
|
|
|
|
| P A S I V O
|
| 7,698,609
|
| 7,639,278
|
| 3,139,002
|
| 3,384,439
|
| 4,559,607
|
| 4,254,839
|
|
|
|
|
|
|
| DEPOSITOS
|
| 62
|
| 733
|
| 62
|
| 733
|
| -
|
| -
|
|
|
| Depositos a la Vista
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos de Ahorro
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Depositos a Plazo
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| Otros Depositos
|
| 62
|
| 733
|
| 62
|
| 733
|
| -
|
| -
|
|
|
| CREDITOS OBTENIDOS
|
| 1,217,392
|
| 1,169,545
|
| 105,258
|
| 98,348
|
| 1,112,134
|
| 1,071,198
|
|
|
| Banco Central
|
| -
|
| 1,569
|
| -
|
| 1,569
|
| -
|
| -
|
|
|
| Instituciones Financieras
|
| 67,274
|
| 64,565
|
| 5,447
|
| 6,953
|
| 61,827
|
| 57,612
|
|
|
| Organismos Internacionales y Entidades Extranjeras
|
| 8,910
|
| 8,129
|
| 8,910
|
| 8,129
|
| -
|
| -
|
|
|
| Bancos del Exterior
|
| 1,141,208
|
| 1,095,282
|
| 90,900
|
| 81,697
|
| 1,050,307
|
| 1,013,585
|
|
|
|
|
|
|
| OBLIGACIONES FINANCIERAS
|
| 2,897,693
|
| 3,026,725
|
| 2,897,693
|
| 3,026,725
|
| -
|
| -
|
|
|
|
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| TITULOS DE CAPITALIZACION
|
|
|
| GASTOS FINANCIEROS POR PAGAR
|
| 3,249,430
|
| 3,029,117
|
| 26,170
|
| 28,144
|
| 3,223,261
|
| 3,000,973
|
|
|
| CUENTAS POR PAGAR
|
| 113,342
|
| 194,668
|
| 70,409
|
| 181,789
|
| 42,933
|
| 12,879
|
|
|
| PROVISIONES
|
| 2,800
|
| 2,311
|
| 2,800
|
| 2,311
|
| -
|
| -
|
|
|
| SUC. , CASA MATRIZ Y DEPTOS ADSCRITOS
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| CREDITOS DIFERIDOS
|
| 1,391
|
| 1,630
|
| 1,391
|
| 1,630
|
| -
|
| 0
|
|
|
|
|
|
|
| S U B T O T A L
|
| 7,482,110
|
| 7,424,729
|
| 3,103,783
|
| 3,339,679
|
| 4,378,328
|
| 4,085,050
|
|
|
|
|
|
|
| OTRAS CUENTAS ACREEDORAS
|
| 216,498
|
| 214,548
|
| 35,219
|
| 44,760
|
| 181,279
|
| 169,789
|
|
|
|
|
|
|
| C A P I T A L C O N T A B L E
|
| -3,555,855
|
| -3,324,065
|
| 647,558
|
| 612,421
|
| -4,203,413
|
| -3,936,485
|
|
|
|
|
|
|
| CAPITAL PRIMARIO
|
| 567,235
|
| 557,810
|
| 497,219
|
| 487,793
|
| 70,016
|
| 70,016
|
|
|
|
|
|
|
| CAPITAL PAGADO
|
| 464,808
|
| 458,946
|
| 430,657
|
| 424,795
|
| 34,151
|
| 34,151
|
|
|
| Capital Autorizado
|
| 1,134,000
|
| 1,134,000
|
| 1,089,000
|
| 1,089,000
|
| 45,000
|
| 45,000
|
|
|
| Capital no Pagado (-)
|
| 669,192
|
| 675,054
|
| 658,343
|
| 664,205
|
| 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
|
| 65,836
|
| 62,272
|
| 65,668
|
| 62,104
|
| 168
|
| 168
|
|
|
|
|
|
|
| CAPITAL COMPLEMENTARIO
|
| -4,123,090
|
| -3,881,874
|
| 150,339
|
| 124,627
|
| -4,273,429
|
| -4,006,502
|
|
|
|
|
|
|
| OTRAS RESERVAS DE CAPITAL
|
| 64,463
|
| 50,746
|
| 64,463
|
| 50,746
|
| -
|
| -
|
|
|
| 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
|
| 7,747,638
|
| 2,917
|
| 2,917
|
| 7,744,721
|
| 7,744,721
|
|
|
| AJUSTES AL IMPUESTO SOBRE LA RENTA
|
| -
|
| -
|
| -
|
| -
|
| -
|
| -
|
|
|
| GANANCIAS POR APLICAR DE EJERCICIOS ANTERIORES
|
| 3,793,813
|
| 40,221
|
| 40,297
|
| 40,221
|
| 3,753,516
|
| -
|
|
|
|
|
|
| VALUACION ACTIVOS RECUP. DUDOSA(-)
|
| 43,033
|
| 38,806
|
| 29,735
|
| 23,509
|
| 13,297
|
| 15,297
|
|
|
| RESULTADO DEL EJERCICIO
|
| -190,696
|
| 3,813,603
|
| 78,232
|
| 60,087
|
| -268,927
|
| 3,753,516
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 4,142,753
|
| 4,315,213
|
| 3,786,560
|
| 3,996,860
|
| 356,194
|
| 318,353
|
|
Superintendencia de
Bancos de Guatemala