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|
| CASAS DE CAMBIO
|
|
|
| BALANCE GENERAL CONDENSADO
|
|
|
| AL 31 DE DICIEMBRE DE 2004
|
|
|
| ( Cifras en miles de Quetzales )
|
|
|
|
|
| CONSOLIDADO
|
| FOREX
|
| PRODUCT. INVERSIONISTAS, S.A.
|
| SAQS
|
| MONEX
|
| LAFISE
|
| MERCADO CAMBIARIO, S.A.
|
| CORDISA
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| ACTIVO
|
| 22,015
|
| 10,731
|
| 0
|
| 1,886
|
| 946
|
| 4,943
|
| 75
|
| 3,435
|
|
|
|
|
|
|
|
|
|
|
|
|
| DISPONIBILIDADES
|
| 15,069
|
| 6,195
|
| 0
|
| 1,698
|
| 383
|
| 4,404
|
| 75
|
| 2,314
|
|
|
|
|
| En Moneda Nacional
|
| 6,909
|
| 169
|
| 0
|
| 753
|
| 10
|
| 4,323
|
| 75
|
| 1,578
|
|
|
|
|
| Caja
|
| 936
|
| 39
|
| 0
|
| 2
|
| 0
|
| 1
|
| 75
|
| 820
|
|
|
|
|
| Banco Central
|
| 4
|
| 4
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| Otros Bancos del Pais
|
| 5,968
|
| 126
|
| 0
|
| 751
|
| 10
|
| 4,322
|
| 0
|
| 759
|
|
|
|
|
| En Moneda Extranjera
|
| 8,160
|
| 6,026
|
| 0
|
| 945
|
| 373
|
| 81
|
| 0
|
| 736
|
|
|
|
|
| Caja, Bco. Central y Otros Bancos del País
|
| 6,799
|
| 5,252
|
| 0
|
| 830
|
| 79
|
| 81
|
| 0
|
| 557
|
|
|
|
|
| Bancos del Exterior
|
| 1,362
|
| 774
|
| 0
|
| 115
|
| 294
|
| 0
|
| 0
|
| 178
|
|
|
|
|
| Giros sobre el Exterior
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
| OTROS ACTIVOS
|
| 4,033
|
| 2,789
|
| 0
|
| 14
|
| 561
|
| 30
|
| 0
|
| 638
|
|
|
|
|
| Productos por Cobrar
|
| 19
|
| 0
|
| 0
|
| 0
|
| 19
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| Deudores Varios
|
| 3,990
|
| 2,782
|
| 0
|
| 0
|
| 542
|
| 28
|
| 0
|
| 638
|
|
|
|
|
| Activos Diversos
|
| 24
|
| 8
|
| 0
|
| 14
|
| 0
|
| 2
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
| MUEBLES E INMUEBLES (NETO)
|
| 759
|
| 502
|
| 0
|
| 2
|
| 0
|
| 35
|
| 0
|
| 220
|
|
|
|
|
| CARGOS DIFERIDOS
|
| 2,154
|
| 1,245
|
| 0
|
| 172
|
| 2
|
| 474
|
| 0
|
| 262
|
|
|
|
|
|
|
|
|
|
|
|
|
| PASIVO
|
| 9,351
|
| 8,109
|
| 0
|
| 97
|
| 2
|
| 1,016
|
| 0
|
| 127
|
|
|
|
|
|
|
|
|
|
|
|
|
| OTRAS EXIGIBILIDADES
|
| 965
|
| 619
|
| 0
|
| 59
|
| 2
|
| 258
|
| 0
|
| 26
|
|
|
|
|
| Obligaciones Inmediatas
|
| 532
|
| 304
|
| 0
|
| 53
|
| 2
|
| 172
|
| 0
|
| 0
|
|
|
|
|
| En Moneda Nacional
|
| 532
|
| 304
|
| 0
|
| 53
|
| 2
|
| 172
|
| 0
|
| 0
|
|
|
|
|
| En Moneda Extranjera
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| Obligaciones Diversas
|
| 433
|
| 315
|
| 0
|
| 6
|
| 0
|
| 86
|
| 0
|
| 26
|
|
|
|
|
| En Moneda Nacional
|
| 364
|
| 315
|
| 0
|
| 6
|
| 0
|
| 17
|
| 0
|
| 26
|
|
|
|
|
| En Moneda Extranjera
|
| 69
|
| 0
|
| 0
|
| 0
|
| 0
|
| 69
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
| CREDITOS DE OTRAS ENTIDADES
|
| 7,348
|
| 7,348
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| Creditos de Bancos
|
| 7,348
|
| 7,348
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| En Moneda Nacional
|
| 7,348
|
| 7,348
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| En Moneda Extranjera
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| Creditos de Entidades no Bancarias
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| En Moneda Nacional
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| En Moneda Extranjera
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
| OTROS PASIVOS
|
| 1,038
|
| 142
|
| 0
|
| 37
|
| 0
|
| 758
|
| 0
|
| 101
|
|
|
|
|
|
|
|
|
| CAPITAL CONTABLE
|
| 12,664
|
| 2,621
|
| 0
|
| 1,790
|
| 943
|
| 3,926
|
| 75
|
| 3,308
|
|
|
|
|
| CAPITAL SOCIAL
|
| 8,150
|
| 3,000
|
| 0
|
| 800
|
| 700
|
| 1,000
|
| 0
|
| 2,650
|
|
|
|
|
| Capital Autorizado
|
| 14,500
|
| 3,000
|
| 0
|
| 4,000
|
| 1,000
|
| 1,500
|
| 0
|
| 5,000
|
|
|
|
|
| Capital No Pagado (-)
|
| 6,350
|
| 0
|
| 0
|
| 3,200
|
| 300
|
| 500
|
| 0
|
| 2,350
|
|
|
|
|
| Capital Asignado
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
| OTRAS APORTACIONES
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| RESERVAS
|
| 573
|
| 158
|
| 0
|
| 178
|
| 21
|
| 136
|
| 0
|
| 81
|
|
|
|
|
| REVALUACION DE ACTIVOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| UTILIDADES RETENIDAS
|
| 4,255
|
| 120
|
| 0
|
| 694
|
| 227
|
| 2,559
|
| 0
|
| 654
|
|
|
|
|
| PERDIDAS POR APLICAR
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
| RESULTADOS DEL EJERCICIO
|
| -314
|
| -657
|
| 0
|
| 118
|
| -5
|
| 232
|
| 75
|
| -76
|
|
|
|
|
| CUENTAS DE RESULTADOS ACREEDORAS(+)
|
| 19,271
|
| 8,410
|
| 0
|
| 4,975
|
| 73
|
| 3,590
|
| 134
|
| 2,088
|
|
|
|
|
| CUENTAS DE RESULTADOS DEUDORAS(-)
|
| 19,585
|
| 9,067
|
| 0
|
| 4,857
|
| 78
|
| 3,359
|
| 59
|
| 2,164
|
|
|
|
|
|
|
|
|
| TOTAL IGUAL A LA SUMA DEL ACTIVO
|
| 22,015
|
| 10,731
|
| 0
|
| 1,886
|
| 946
|
| 4,943
|
| 75
|
| 3,435
|
|
|
|
|
|
|
|
Superintendencia de Bancos de Guatemala