| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
| ESTADO DE RESULTADOS
|
|
|
| DEL 1 DE ENERO 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
|
|
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS POR COLOCACION
|
| 415,892
|
| 509,762
|
| 0
|
| 0
|
| 216,032
|
| 88,039
|
|
|
| Financieros
|
| 299,957
|
| 343,492
|
| 0
|
| 0
|
| 2,037
|
| 2,865
|
|
|
| Por Operaciones en M/E
|
| 115,935
|
| 166,271
|
| 0
|
| 0
|
| 213,995
|
| 85,175
|
|
|
| GASTOS POR CAPTACION
|
| 267,172
|
| 351,490
|
| 0
|
| 0
|
| 179,199
|
| 349,004
|
|
|
| Financieros
|
| 205,031
|
| 244,418
|
| 0
|
| 0
|
| 125
|
| 125
|
|
|
| Por Operaciones en M/E
|
| 62,141
|
| 107,071
|
| 0
|
| 0
|
| 179,074
|
| 348,879
|
|
|
|
|
|
|
| MARGEN DE INVERSIONES
|
| 148,720
|
| 158,273
|
| 0
|
| 0
|
| 36,833
|
| -260,965
|
|
|
|
|
|
|
| PRODUCTOS POR SERVICIOS
|
| 27,027
|
| 26,682
|
| 0
|
| 0
|
| 103
|
| 36
|
|
|
| GASTOS POR SERVICIOS
|
| 27
|
| 47
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| MARGEN DE SERVICIOS
|
| 26,999
|
| 26,635
|
| 0
|
| 0
|
| 103
|
| 36
|
|
|
|
|
|
|
|
|
|
|
| OTROS PRODUCTOS Y GASTOS DE OPERACION
|
|
|
| PRODUCTOS
|
| 2,133
|
| 2,843
|
| 0
|
| 0
|
| 8,087
|
| 1
|
|
|
| De Urbanizacion y Vivienda
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Promocion de Empresas
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Dividendos y Participaciones
|
| 2,133
|
| 2,843
|
| 0
|
| 0
|
| 8,087
|
| 1
|
|
|
|
|
|
|
| GASTOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| De Urbanizacion y Vivienda
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Promocion de Empresas
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Estimac. por Fluctuac. Precio Mercado
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| MARGEN OTROS PROD. Y GASTOS DE OPERAC..
|
| 2,133
|
| 2,843
|
| 0
|
| 0
|
| 8,087
|
| 1
|
|
|
|
|
|
|
| MARGEN OPERACIONAL BRUTO
|
| 177,852
|
| 187,751
|
| 0
|
| 0
|
| 45,023
|
| -260,928
|
|
|
|
|
|
|
| GASTOS DE ADMINISTRACION
|
| 93,006
|
| 90,472
|
| 0
|
| 0
|
| 3,976
|
| 4,035
|
|
|
|
|
|
|
| MARGEN OPERACIONAL NETO
|
| 84,846
|
| 97,279
|
| 0
|
| 0
|
| 41,047
|
| -264,962
|
|
|
|
|
|
|
| PRODUCTOS Y GASTOS EXTRAORDINARIOS
|
| -350
|
| 5,835
|
| 0
|
| 0
|
| -2,227
|
| -4,045
|
|
|
| Productos
|
| 1,340
|
| 7,385
|
| 0
|
| 0
|
| 269
|
| 37
|
|
|
| Gastos
|
| 1,690
|
| 1,550
|
| 0
|
| 0
|
| 2,495
|
| 4,083
|
|
|
| PRODUCTOS Y GASTOS DE EJERCICIOS ANT.
|
| -591
|
| -1,927
|
| 0
|
| 0
|
| -457
|
| 80
|
|
|
| Productos
|
| 3,570
|
| 1,059
|
| 0
|
| 0
|
| 123
|
| 265
|
|
|
| Gastos
|
| 4,162
|
| 2,986
|
| 0
|
| 0
|
| 580
|
| 185
|
|
|
| GANANCIA (PERDIDA) BRUTA
|
| 83,905
|
| 101,186
|
| 0
|
| 0
|
| 38,363
|
| -268,927
|
|
|
|
|
|
|
| Impuesto Sobre La Renta
|
| 18,914
|
| 22,955
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) NETA
|
| 64,991
|
| 78,232
|
| 0
|
| 0
|
| 38,363
|
| -268,927
|
|
|
|
|
|
|
|
|
| 1/ No incluye información de instituciones en situación especial.
|
|
|
|
|
|
| 2/ FINANCIERA METROPOLITANA, S. A., FINANCIERA AGRO COMERCIAL, S. A.
|
|
Superintendencia de
Bancos de Guatemala