| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
|
|
| ESTADO DE RESULTADOS
|
|
|
|
|
|
| DEL 1 DE ENERO AL 31 DE DICIEMBRE DE 2003
|
|
|
| CUADRO 2.8
|
|
|
|
|
| (En miles de Quetzales)
|
|
|
|
|
| SISTEMA BANCARIO
|
| AŅO ANTERIOR
|
| BANCOS NACIONALES
|
| AŅO ANTERIOR
|
| BANCOS EXTRANJEROS
|
| AŅO ANTERIOR
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS POR COLOCACION
|
| 6,270,804
|
| 6,611,800
|
| 6,020,467
|
| 6,331,204
|
| 250,337
|
| 280,596
|
|
|
| Financieros
|
| 4,493,746
|
| 5,251,838
|
| 4,369,736
|
| 5,043,008
|
| 124,009
|
| 208,830
|
|
|
| Por Operaciones en M/E
|
| 1,777,058
|
| 1,359,962
|
| 1,650,731
|
| 1,288,196
|
| 126,327
|
| 71,766
|
|
|
| GASTOS POR CAPTACION
|
| 2,962,241
|
| 3,571,701
|
| 2,884,722
|
| 3,431,281
|
| 77,518
|
| 140,420
|
|
|
| Financieros
|
| 2,091,726
|
| 2,833,024
|
| 2,048,344
|
| 2,718,058
|
| 43,381
|
| 114,966
|
|
|
| Por Operaciones en M/E
|
| 870,514
|
| 738,677
|
| 836,378
|
| 713,223
|
| 34,136
|
| 25,454
|
|
|
|
|
| MARGEN DE INVERSIONES
|
| 3,308,563
|
| 3,040,099
|
| 3,135,744
|
| 2,899,923
|
| 172,818
|
| 140,175
|
|
|
|
|
| PRODUCTOS POR SERVICIOS
|
| 583,245
|
| 488,326
|
| 563,340
|
| 454,735
|
| 19,905
|
| 33,591
|
|
|
| GASTOS POR SERVICIOS
|
| 23,405
|
| 80,508
|
| 23,405
|
| 79,488
|
| --
|
| 1,019
|
|
|
|
|
| MARGEN DE SERVICIOS
|
| 559,839
|
| 407,818
|
| 539,934
|
| 375,247
|
| 19,905
|
| 32,572
|
|
|
|
|
| OTROS PRODUCTOS Y GASTOS DE OPERACION
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
| PRODUCTOS
|
| 56,525
|
| 51,464
|
| 56,525
|
| 51,464
|
| --
|
| --
|
|
|
| De Urbanizacion y Vivienda
|
| 2
|
| 5
|
| 2
|
| 5
|
| --
|
| --
|
|
|
| Por Promocion de Empresas
|
| 1
|
| 48
|
| 1
|
| 48
|
| --
|
| --
|
|
|
| Por Dividendos y Participaciones
|
| 56,521
|
| 51,412
|
| 56,521
|
| 51,412
|
| --
|
| --
|
|
|
|
|
| GASTOS
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
| De Urbanizacion y Vivienda
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
| Por Promocion de Empresas
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
| Estimac. por Fluctuac. Precio Mercado
|
| --
|
| --
|
| --
|
| --
|
| --
|
| --
|
|
|
|
|
| MARGEN OTROS PROD. Y GASTOS DE OPERAC.
|
| 56,525
|
| 51,464
|
| 56,525
|
| 51,464
|
| --
|
| --
|
|
|
|
|
| MARGEN OPERACIONAL BRUTO
|
| 3,924,928
|
| 3,499,381
|
| 3,732,204
|
| 3,326,634
|
| 192,723
|
| 172,747
|
|
|
|
|
| GASTOS DE ADMINISTRACION
|
| 3,078,343
|
| 3,113,369
|
| 2,954,529
|
| 2,970,149
|
| 123,813
|
| 143,219
|
|
|
|
|
| MARGEN OPERACIONAL NETO
|
| 846,585
|
| 386,012
|
| 777,675
|
| 356,485
|
| 68,910
|
| 29,528
|
|
|
|
|
| PRODUCTOS Y GASTOS EXTRAORDINARIOS
|
| -78,134
|
| 19,121
|
| -80,902
|
| 19,377
|
| 2,768
|
| -256
|
|
|
| Productos
|
| 73,216
|
| 80,527
|
| 69,410
|
| 79,610
|
| 3,805
|
| 917
|
|
|
| Gastos
|
| 151,350
|
| 61,406
|
| 150,312
|
| 60,234
|
| 1,037
|
| 1,173
|
|
|
| PRODUCTOS Y GASTOS DE EJERCICIOS ANT.
|
| -333,221
|
| -72,188
|
| -332,831
|
| -72,222
|
| -389
|
| 34
|
|
|
| Productos
|
| 40,356
|
| 24,433
|
| 40,307
|
| 24,348
|
| 49
|
| 85
|
|
|
| Gastos
|
| 373,578
|
| 96,621
|
| 373,138
|
| 96,570
|
| 439
|
| 51
|
|
|
|
|
| GANANCIA (PERDIDA) BRUTA
|
| 435,229
|
| 332,945
|
| 363,941
|
| 303,639
|
| 71,288
|
| 29,306
|
|
|
|
|
| Impuesto Sobre La Renta
|
| 165,272
|
| 112,376
|
| 151,814
|
| 111,732
|
| 13,457
|
| 644
|
|
|
|
|
| GANANCIA (PERDIDA) NETA
|
| 269,956
|
| 220,569
|
| 212,126
|
| 191,907
|
| 57,830
|
| 28,662
|
|
Superintendencia de Bancos de Guatemala