| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
| BALANCE GENERAL CONDENSADO
|
|
|
| AL 31 DE DICIEMBRE DE 2004
|
|
|
| (Cifras en miles de Quetzales)
|
|
|
|
|
| FINANCIERAS PRIVADAS 1/
|
| AÑO ANTERIOR
|
| EN SITUACION ESPECIAL 2/
|
| AÑO ANTERIOR
|
| CORPORACION FINANCIERA NACIONAL
|
| AÑO ANTERIOR
|
|
|
|
|
|
|
|
|
|
|
|
|
| A C T I V O
|
| 3,972,091
|
| 3,786,560
|
| 0
|
| 0
|
| 323,271
|
| 356,194
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 429,697
|
| 482,954
|
| 0
|
| 0
|
| 1,530
|
| 2,287
|
|
|
| Caja
|
| 2,556
|
| 1,757
|
| 0
|
| 0
|
| 2
|
| 2
|
|
|
| Banco Central
|
| 14,549
|
| 67,057
|
| 0
|
| 0
|
| 813
|
| 1,796
|
|
|
| Bancos del Pais
|
| 257,522
|
| 266,482
|
| 0
|
| 0
|
| 714
|
| 487
|
|
|
| Bancos del Exterior
|
| 153,497
|
| 143,935
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Cheques y Giros a Compensar
|
| 1,571
|
| 3,723
|
| 0
|
| 0
|
| 0
|
| 1
|
|
|
| Giros sobre el Exterior
|
| 3
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| INVERSIONES TEMPORALES
|
| 1,102,471
|
| 877,348
|
| 0
|
| 0
|
| 12,664
|
| 47,507
|
|
|
| Titulos-Valores de Emisores Nac.
|
| 1,055,851
|
| 788,536
|
| 0
|
| 0
|
| 12,664
|
| 47,507
|
|
|
| Titulos-Valores de Emisores Ext.
|
| 47,465
|
| 92,593
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Intereses Pagados en Compra de Val.
|
| 1,619
|
| 3,403
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| SUMA
|
| 1,104,935
|
| 884,532
|
| 0
|
| 0
|
| 12,664
|
| 47,507
|
|
|
|
|
|
|
| (-) Estimaciones por Valuacion
|
| 2,464
|
| 7,184
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| CARTERA DE CREDITOS
|
| 1,493,540
|
| 1,577,154
|
| 0
|
| 0
|
| 0
|
| 36
|
|
|
| Vigentes
|
| 1,465,101
|
| 1,552,173
|
| 0
|
| 0
|
| 0
|
| 36
|
|
|
| Al Dia
|
| 1,334,333
|
| 1,499,525
|
| 0
|
| 0
|
| 0
|
| 36
|
|
|
| En Mora
|
| 130,767
|
| 52,648
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Vencidos
|
| 73,255
|
| 69,477
|
| 0
|
| 0
|
| 84,049
|
| 84,121
|
|
|
| En Proceso de Prorroga
|
| 10,536
|
| 4,001
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| En Cobro Administrativo
|
| 27,313
|
| 33,855
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| En Cobro Judicial
|
| 35,406
|
| 31,622
|
| 0
|
| 0
|
| 84,049
|
| 84,121
|
|
|
|
|
|
|
| SUMA
|
| 1,538,356
|
| 1,621,650
|
| 0
|
| 0
|
| 84,049
|
| 84,156
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 44,816
|
| 44,496
|
| 0
|
| 0
|
| 84,049
|
| 84,121
|
|
|
|
|
|
|
| PRODUCTOS FINANCIEROS POR COBRAR
|
| 63,647
|
| 57,372
|
| 0
|
| 0
|
| 121,791
|
| 117,504
|
|
|
| CUENTAS POR COBRAR (Neto)
|
| 22,493
|
| 26,659
|
| 0
|
| 0
|
| 2,040
|
| 2,045
|
|
|
| GASTOS ANTICIPADOS
|
| 26,360
|
| 26,907
|
| 0
|
| 0
|
| 265
|
| 79
|
|
|
| ACTIVOS EXTRAORDINARIOS (Neto)
|
| 61,838
|
| 84,420
|
| 0
|
| 0
|
| 178,163
|
| 179,259
|
|
|
| INVERSIONES A LARGO PLAZO
|
| 590,021
|
| 476,163
|
| 0
|
| 0
|
| 5,296
|
| 5,481
|
|
|
| Titulos-Valores de Emisores Nacionales
|
| 575,722
|
| 471,163
|
| 0
|
| 0
|
| 7,930
|
| 7,930
|
|
|
| Titulos-Valores de Emisores Extranjeros
|
| 13,940
|
| 4,080
|
| 0
|
| 0
|
| 195
|
| 379
|
|
|
| Intereses pagados en compra de valores
|
| 2,585
|
| 2,550
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| SUMA
|
| 590,021
|
| 476,262
|
| 0
|
| 0
|
| 8,125
|
| 8,309
|
|
|
|
|
|
|
| (-) Estimaciones Por Valuacion
|
| 0
|
| 100
|
| 0
|
| 0
|
| 2,828
|
| 2,828
|
|
|
|
|
|
|
| OTRAS INVERSIONES
|
| 156,493
|
| 158,266
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| SUC., CASA MATRIZ Y DEPTOS. ADSCRITOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| INMUEBLES Y MUEBLES (Neto)
|
| 23,943
|
| 16,762
|
| 0
|
| 0
|
| 1,505
|
| 1,976
|
|
|
| CARGOS DIFERIDOS (Neto)
|
| 1,588
|
| 2,553
|
| 0
|
| 0
|
| 17
|
| 21
|
|
|
|
|
|
|
| P A S I V O
|
| 3,214,547
|
| 3,139,002
|
| 0
|
| 0
|
| 4,488,320
|
| 4,559,607
|
|
|
|
|
|
|
| DEPOSITOS
|
| 0
|
| 62
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Depositos a la Vista
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Depositos de Ahorro
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Depositos a Plazo
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Otros Depositos
|
| 0
|
| 62
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| CREDITOS OBTENIDOS
|
| 98,743
|
| 105,258
|
| 0
|
| 0
|
| 1,076,981
|
| 1,112,134
|
|
|
| Banco Central
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Instituciones Financieras
|
| 9,290
|
| 5,447
|
| 0
|
| 0
|
| 62,937
|
| 61,827
|
|
|
| Organismos Internacionales y Entidades Extranjeras
|
| 6,624
|
| 8,910
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Bancos del Exterior
|
| 82,830
|
| 90,900
|
| 0
|
| 0
|
| 1,014,044
|
| 1,050,307
|
|
|
|
|
|
|
| OBLIGACIONES FINANCIERAS
|
| 3,009,265
|
| 2,897,693
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| TITULOS DE CAPITALIZACION
|
|
|
| GASTOS FINANCIEROS POR PAGAR
|
| 26,802
|
| 26,170
|
| 0
|
| 0
|
| 3,222,638
|
| 3,223,261
|
|
|
| CUENTAS POR PAGAR
|
| 35,687
|
| 70,409
|
| 0
|
| 0
|
| 3,242
|
| 42,933
|
|
|
| PROVISIONES
|
| 3,059
|
| 2,800
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| SUC. , CASA MATRIZ Y DEPTOS ADSCRITOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| CREDITOS DIFERIDOS
|
| 4,867
|
| 1,391
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| S U B T O T A L
|
| 3,178,424
|
| 3,103,783
|
| 0
|
| 0
|
| 4,302,861
|
| 4,378,328
|
|
|
|
|
|
|
| OTRAS CUENTAS ACREEDORAS
|
| 36,123
|
| 35,219
|
| 0
|
| 0
|
| 185,459
|
| 181,279
|
|
|
|
|
|
|
| C A P I T A L C O N T A B L E
|
| 757,544
|
| 647,558
|
| 0
|
| 0
|
| -4,165,049
|
| -4,203,413
|
|
|
|
|
|
|
| CAPITAL PRIMARIO
|
| 602,106
|
| 497,219
|
| 0
|
| 0
|
| 70,016
|
| 70,016
|
|
|
|
|
|
|
| CAPITAL PAGADO
|
| 504,247
|
| 430,657
|
| 0
|
| 0
|
| 34,151
|
| 34,151
|
|
|
| Capital Autorizado
|
| 1,197,000
|
| 1,089,000
|
| 0
|
| 0
|
| 45,000
|
| 45,000
|
|
|
| Capital no Pagado (-)
|
| 692,753
|
| 658,343
|
| 0
|
| 0
|
| 10,849
|
| 10,849
|
|
|
| Casa Matriz, Capital Asignado
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Aportes para Acciones
|
| 25,230
|
| 894
|
| 0
|
| 0
|
| 45
|
| 45
|
|
|
| Otras Aportaciones
|
| 0
|
| 0
|
| 0
|
| 0
|
| 35,652
|
| 35,652
|
|
|
| Reservas de Capital
|
| 72,628
|
| 65,668
|
| 0
|
| 0
|
| 168
|
| 168
|
|
|
|
|
|
|
| CAPITAL COMPLEMENTARIO
|
| 155,438
|
| 150,339
|
| 0
|
| 0
|
| -4,235,066
|
| -4,273,429
|
|
|
|
|
|
|
| OTRAS RESERVAS DE CAPITAL
|
| 86,995
|
| 64,463
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| RESERVAS PARA ACTIVOS EXTRAORDINARIOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| OBLIGACIONES CONVERTIBLES EN ACCIONES
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| OBLIGACIONES SUBORDINADAS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| REVALUACION DE ACTIVOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| GANANCIAS Y PERDIDAS POR FUSION
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| PERDIDAS X APLICAR EJERC. ANT.(-)
|
| 5,288
|
| 2,917
|
| 0
|
| 0
|
| 8,013,648
|
| 7,744,721
|
|
|
| AJUSTES AL IMPUESTO SOBRE LA RENTA
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| GANANCIAS POR APLICAR DE EJERCICIOS ANTERIORES
|
| 32,584
|
| 40,297
|
| 0
|
| 0
|
| 3,753,516
|
| 3,753,516
|
|
|
|
|
|
| VALUACION ACTIVOS RECUP. DUDOSA(-)
|
| 23,844
|
| 29,735
|
| 0
|
| 0
|
| 13,297
|
| 13,297
|
|
|
| RESULTADO DEL EJERCICIO
|
| 64,991
|
| 78,232
|
| 0
|
| 0
|
| 38,363
|
| -268,927
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 3,972,091
|
| 3,786,560
|
| 0
|
| 0
|
| 323,271
|
| 356,194
|
|
|
|
|
| 1/ No incluye información de instituciones en situación especial.
|
|
|
|
|
|
| 2/ FINANCIERA METROPOLITANA, S. A., FINANCIERA AGRO COMERCIAL, S. A.
|
|
Superintendencia de
Bancos de Guatemala