| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
|
|
| ESTADO DE RESULTADOS
|
|
|
|
|
|
| DEL 1 DE ENERO AL 31 DE DICIEMBRE DE 2002
|
|
|
| CUADRO 2.8
|
|
|
|
|
| (En miles de Quetzales)
|
|
|
|
|
| SISTEMA BANCARIO
|
| AŅO ANTERIOR
|
| BANCOS NACIONALES
|
| AŅO ANTERIOR
|
| BANCOS EXTRANJEROS
|
| AŅO ANTERIOR
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS POR COLOCACION
|
| 6,611,799
|
| 6,953,774
|
| 6,331,204
|
| 6,639,651
|
| 280,595
|
| 314,123
|
|
|
| Financieros
|
| 5,251,838
|
| 5,514,092
|
| 5,043,008
|
| 5,273,837
|
| 208,829
|
| 240,254
|
|
|
| Por Operaciones en M/E
|
| 1,359,961
|
| 1,439,682
|
| 1,288,195
|
| 1,365,814
|
| 71,766
|
| 73,868
|
|
|
| GASTOS POR CAPTACION
|
| 3,571,701
|
| 4,171,321
|
| 3,431,280
|
| 4,027,631
|
| 140,420
|
| 143,691
|
|
|
| Financieros
|
| 2,833,023
|
| 3,277,441
|
| 2,718,057
|
| 3,169,400
|
| 114,965
|
| 108,041
|
|
|
| Por Operaciones en M/E
|
| 738,677
|
| 893,880
|
| 713,222
|
| 858,230
|
| 25,454
|
| 35,650
|
|
|
|
|
| MARGEN DE INVERSIONES
|
| 3,040,098
|
| 2,782,452
|
| 2,899,923
|
| 2,612,021
|
| 140,175
|
| 170,432
|
|
|
|
|
| PRODUCTOS POR SERVICIOS
|
| 488,325
|
| 418,257
|
| 454,734
|
| 401,670
|
| 33,590
|
| 16,586
|
|
|
| GASTOS POR SERVICIOS
|
| 80,507
|
| 56,803
|
| 79,488
|
| 56,803
|
| 1,019
|
| --
|
|
|
|
|
| MARGEN DE SERVICIOS
|
| 407,818
|
| 361,453
|
| 375,246
|
| 344,867
|
| 32,571
|
| 16,586
|
|
|
|
|
| OTROS PRODUCTOS Y GASTOS DE OPERACION
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
| PRODUCTOS
|
| 51,464
|
| 56,651
|
| 51,464
|
| 56,651
|
| --
|
| --
|
|
|
| De Urbanizacion y Vivienda
|
| 4
|
| --
|
| 4
|
| --
|
| --
|
| --
|
|
|
| Por Promocion de Empresas
|
| 47
|
| --
|
| 47
|
| --
|
| --
|
| --
|
|
|
| Por Dividendos y Participaciones
|
| 51,412
|
| 56,651
|
| 51,412
|
| 56,651
|
| --
|
| --
|
|
|
|
|
| GASTOS
|
| --
|
| 517
|
| --
|
| 517
|
| --
|
| --
|
|
|
| De Urbanizacion y Vivienda
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
| Por Promocion de Empresas
|
| --
|
| 517
|
| --
|
| 517
|
| --
|
| --
|
|
|
| Estimac. por Fluctuac. Precio Mercado
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
|
|
| MARGEN OTROS PROD. Y GASTOS DE OPERAC.
|
| 51,464
|
| 56,134
|
| 51,464
|
| 56,134
|
| --
|
| --
|
|
|
|
|
| MARGEN OPERACIONAL BRUTO
|
| 3,499,381
|
| 3,200,040
|
| 3,326,633
|
| 3,013,022
|
| 172,747
|
| 187,018
|
|
|
|
|
| GASTOS DE ADMINISTRACION
|
| 3,113,368
|
| 2,813,057
|
| 2,970,149
|
| 2,691,311
|
| 143,219
|
| 121,747
|
|
|
|
|
| MARGEN OPERACIONAL NETO
|
| 386,012
|
| 386,983
|
| 356,484
|
| 321,711
|
| 29,527
|
| 65,271
|
|
|
|
|
| PRODUCTOS Y GASTOS EXTRAORDINARIOS
|
| 19,121
|
| 68,915
|
| 19,376
|
| 67,786
|
| -255
|
| 1,129
|
|
|
| Productos
|
| 80,527
|
| 106,981
|
| 79,610
|
| 105,404
|
| 916
|
| 1,577
|
|
|
| Gastos
|
| 61,406
|
| 38,066
|
| 60,233
|
| 37,619
|
| 1,172
|
| 448
|
|
|
| PRODUCTOS Y GASTOS DE EJERCICIOS ANT.
|
| -72,188
|
| -189,914
|
| -72,222
|
| -190,402
|
| 33
|
| 488
|
|
|
| Productos
|
| 24,433
|
| 22,751
|
| 24,348
|
| 22,258
|
| 84
|
| 493
|
|
|
| Gastos
|
| 96,621
|
| 212,664
|
| 96,570
|
| 212,660
|
| 50
|
| 5
|
|
|
|
|
| GANANCIA (PERDIDA) BRUTA
|
| 332,945
|
| 265,984
|
| 303,639
|
| 199,095
|
| 29,305
|
| 66,889
|
|
|
|
|
| Impuesto Sobre La Renta
|
| 112,376
|
| 140,245
|
| 111,731
|
| 123,757
|
| 644
|
| 16,488
|
|
|
|
|
| GANANCIA (PERDIDA) NETA
|
| 220,569
|
| 125,739
|
| 191,907
|
| 75,338
|
| 28,661
|
| 50,401
|
|
Superintendencia de Bancos de Guatemala