| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
|
|
| SOCIEDADES FINANCIERAS PRIVADAS
|
|
|
|
|
|
| ESTADO DE RESULTADOS
|
|
|
| DEL 1 DE ENERO AL 31 DE DICIEMBRE DE 2004
|
|
|
|
|
|
| (Cifras en miles de Quetzales)
|
|
|
|
|
|
|
|
| FINANCIERA GUATEMALTECA, S. A.
|
| FINANCIERA INDUSTRIAL Y AGROPECUARIA, S. A.
|
| FINANCIERA INDUSTRIAL, S. A.
|
| FINANCIERA DE INVERSION, S. A.
|
| FINANCIERA DEL PAIS, S. A.
|
| FINANCIERA DE OCCIDENTE, S. A.
|
| FINANCIERA DE CAPITALES, S. A.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS POR COLOCACION
|
| 117,574
|
| 48,008
|
| 32,700
|
| 24,425
|
| 15,252
|
| 7,627
|
| 7,227
|
|
|
| Financieros
|
| 58,444
|
| 45,030
|
| 28,534
|
| 13,312
|
| 7,453
|
| 7,400
|
| 5,766
|
|
|
| Por Operaciones en Moneda Extranjera
|
| 59,130
|
| 2,978
|
| 4,165
|
| 11,113
|
| 7,798
|
| 226
|
| 1,460
|
|
|
| GASTOS POR CAPTACION
|
| 77,392
|
| 39,190
|
| 18,190
|
| 15,579
|
| 9,824
|
| 3,356
|
| 6,136
|
|
|
| Financieros
|
| 46,273
|
| 37,537
|
| 15,410
|
| 9,563
|
| 6,596
|
| 3,250
|
| 5,240
|
|
|
| Por Operaciones en Moneda Extranjera
|
| 31,118
|
| 1,652
|
| 2,779
|
| 6,016
|
| 3,227
|
| 106
|
| 895
|
|
|
|
|
|
|
| MARGEN DE INVERSIONES
|
| 40,182
|
| 8,817
|
| 14,509
|
| 8,845
|
| 5,427
|
| 4,271
|
| 1,090
|
|
|
|
|
|
|
| PRODUCTOS POR SERVICIOS
|
| 721
|
| 5,185
|
| 5,279
|
| 13
|
| 2,454
|
| 2,664
|
| 7
|
|
|
| GASTOS POR SERVICIOS
|
| 0
|
| 0
|
| 0
|
| 3
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| MARGEN DE SERVICIOS
|
| 721
|
| 5,185
|
| 5,279
|
| 9
|
| 2,454
|
| 2,664
|
| 7
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS
|
| 219
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 1,036
|
|
|
| De Urbanizacion y Vivienda
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Promocion de Empresas
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Dividendos y Participaciones
|
| 219
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 1,036
|
|
|
|
|
|
|
| GASTOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| De Urbanizacion y Vivienda
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Promocion de Empresas
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| MARGEN OTROS PROD. Y GASTOS DE OPERACIÓN
|
| 219
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 1,036
|
|
|
|
|
|
|
| MARGEN OPERACIONAL BRUTO
|
| 41,124
|
| 14,003
|
| 19,789
|
| 8,855
|
| 7,882
|
| 6,935
|
| 2,134
|
|
|
|
|
|
|
| GASTOS DE ADMINISTRACION
|
| 26,036
|
| 5,247
|
| 7,785
|
| 4,949
|
| 7,287
|
| 3,016
|
| 1,444
|
|
|
|
|
|
|
| MARGEN OPERACIONAL NETO
|
| 15,087
|
| 8,756
|
| 12,003
|
| 3,906
|
| 594
|
| 3,919
|
| 690
|
|
|
|
|
|
|
| PRODUCTOS Y GASTOS EXTRAORDINARIOS
|
| 189
|
| 265
|
| 9
|
| 0
|
| 0
|
| -903
|
| 0
|
|
|
| Productos
|
| 196
|
| 879
|
| 9
|
| 10
|
| 0
|
| 93
|
| 0
|
|
|
| Gastos
|
| 7
|
| 614
|
| 0
|
| 10
|
| 0
|
| 996
|
| 0
|
|
|
| PRODUCTOS Y GASTOS DE EJERCICIOS ANTERIORES
|
| 112
|
| 132
|
| 29
|
| 100
|
| 0
|
| 625
|
| -175
|
|
|
|
|
|
| Productos
|
| 201
|
| 1,547
|
| 29
|
| 100
|
| 0
|
| 882
|
| 0
|
|
|
| Gastos
|
| 89
|
| 1,414
|
| 0
|
| 0
|
| 0
|
| 257
|
| 175
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) BRUTA
|
| 15,389
|
| 9,155
|
| 12,042
|
| 4,006
|
| 593
|
| 3,641
|
| 515
|
|
|
|
|
|
|
| Impuesto Sobre La Renta
|
| 1,961
|
| 3,262
|
| 3,765
|
| 874
|
| 254
|
| 1,227
|
| 0
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) NETA
|
| 13,427
|
| 5,892
|
| 8,277
|
| 3,131
|
| 339
|
| 2,413
|
| 515
|
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
|
|
| SOCIEDADES FINANCIERAS PRIVADAS
|
|
|
|
|
|
| ESTADO DE RESULTADOS
|
|
|
| DEL 1 DE ENERO AL 31 DE DICIEMBRE DE 2004
|
|
|
|
|
|
| (Cifras en miles de Quetzales)
|
|
|
|
|
|
|
|
| FINANCIERA REFORMA, S. A.
|
| FINANCIERA DE CREDITO, S. A.
|
| FINANCIERA GRANAI & TOWNSON, S. A.
|
| FINANCIERA SAN MIGUEL, S. A.
|
| FINANCIERA AGROMERCANTIL, S. A.
|
| FINANCIERA UNO, S. A.
|
| FINANCIERA DE NEGOCIOS CORPORATIVOS, S. A.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS POR COLOCACION
|
| 2,322
|
| 20,796
|
| 37,072
|
| 2,868
|
| 4,895
|
| 431
|
| 3,364
|
|
|
| Financieros
|
| 2,242
|
| 12,435
|
| 36,056
|
| 2,189
|
| 4,676
|
| 431
|
| 2,538
|
|
|
| Por Operaciones en Moneda Extranjera
|
| 80
|
| 8,360
|
| 1,016
|
| 678
|
| 219
|
| 0
|
| 825
|
|
|
| GASTOS POR CAPTACION
|
| 550
|
| 12,088
|
| 27,022
|
| 516
|
| 3,181
|
| 0
|
| 1,122
|
|
|
| Financieros
|
| 550
|
| 9,704
|
| 26,238
|
| 467
|
| 2,961
|
| 0
|
| 61
|
|
|
| Por Operaciones en Moneda Extranjera
|
| 0
|
| 2,383
|
| 784
|
| 49
|
| 219
|
| 0
|
| 1,061
|
|
|
|
|
|
|
| MARGEN DE INVERSIONES
|
| 1,771
|
| 8,708
|
| 10,049
|
| 2,351
|
| 1,714
|
| 431
|
| 2,241
|
|
|
|
|
|
|
| PRODUCTOS POR SERVICIOS
|
| 38
|
| 703
|
| 6
|
| 15
|
| 214
|
| 196
|
| 0
|
|
|
| GASTOS POR SERVICIOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 1
|
|
|
|
|
|
|
|
|
|
|
| MARGEN DE SERVICIOS
|
| 38
|
| 703
|
| 6
|
| 15
|
| 214
|
| 196
|
| -1
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS
|
| 28
|
| 0
|
| 0
|
| 0
|
| 542
|
| 0
|
| 0
|
|
|
| De Urbanizacion y Vivienda
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Promocion de Empresas
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Dividendos y Participaciones
|
| 28
|
| 0
|
| 0
|
| 0
|
| 542
|
| 0
|
| 0
|
|
|
|
|
|
|
| GASTOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| De Urbanizacion y Vivienda
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Por Promocion de Empresas
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| MARGEN OTROS PROD. Y GASTOS DE OPERACIÓN
|
| 28
|
| 0
|
| 0
|
| 0
|
| 542
|
| 0
|
| 0
|
|
|
|
|
|
|
| MARGEN OPERACIONAL BRUTO
|
| 1,838
|
| 9,411
|
| 10,056
|
| 2,366
|
| 2,471
|
| 628
|
| 2,240
|
|
|
|
|
|
|
| GASTOS DE ADMINISTRACION
|
| 1,830
|
| 7,650
|
| 3,589
|
| 1,666
|
| 258
|
| 281
|
| 1,613
|
|
|
|
|
|
|
| MARGEN OPERACIONAL NETO
|
| 8
|
| 1,761
|
| 6,466
|
| 700
|
| 2,213
|
| 346
|
| 626
|
|
|
|
|
|
|
| PRODUCTOS Y GASTOS EXTRAORDINARIOS
|
| 0
|
| 0
|
| 23
|
| 0
|
| 61
|
| 0
|
| 2
|
|
|
| Productos
|
| 0
|
| 0
|
| 60
|
| 0
|
| 78
|
| 0
|
| 10
|
|
|
| Gastos
|
| 0
|
| 0
|
| 36
|
| 0
|
| 16
|
| 0
|
| 8
|
|
|
| PRODUCTOS Y GASTOS DE EJERCICIOS ANTERIORES
|
| 0
|
| 18
|
| -1,144
|
| 68
|
| -164
|
| 0
|
| -175
|
|
|
|
|
|
| Productos
|
| 0
|
| 19
|
| 198
|
| 74
|
| 237
|
| 0
|
| 268
|
|
|
| Gastos
|
| 0
|
| 0
|
| 1,343
|
| 6
|
| 401
|
| 0
|
| 444
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) BRUTA
|
| 8
|
| 1,779
|
| 5,345
|
| 768
|
| 2,111
|
| 347
|
| 453
|
|
|
|
|
|
|
| Impuesto Sobre La Renta
|
| 0
|
| 610
|
| 2,123
|
| 164
|
| 5
|
| 107
|
| 278
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) NETA
|
| 8
|
| 1,168
|
| 3,222
|
| 603
|
| 2,105
|
| 239
|
| 175
|
|
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|
|
|
|
| SOCIEDADES FINANCIERAS PRIVADAS
|
|
|
|
|
|
| ESTADO DE RESULTADOS
|
|
|
| DEL 1 DE ENERO AL 31 DE DICIEMBRE DE 2004
|
|
|
|
|
|
| (Cifras en miles de Quetzales)
|
|
|
|
|
|
|
|
| FINANCIERA CONSOLIDADA S. A.
|
| FINANCIERA LATINOAMERICANA, S. A.
|
| FINANCIERA CORPORATIVA, S. A.
|
| FINANCIERA CREDICORP, S.A.
|
| FINANCIERA METROPOLITANA, S. A.
|
| FINANCIERA AGRO COMERCIAL, S. A.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS POR COLOCACION
|
| 53,447
|
| 9,626
|
| 6,718
|
| 21,530
|
| 0
|
| 0
|
|
|
| Financieros
|
| 37,751
|
| 8,263
|
| 6,718
|
| 20,708
|
| 0
|
| 0
|
|
|
| Por Operaciones en Moneda Extranjera
|
| 15,696
|
| 1,363
|
| 0
|
| 821
|
| 0
|
| 0
|
|
|
| GASTOS POR CAPTACION
|
| 30,846
|
| 9,092
|
| 3,523
|
| 9,556
|
| 0
|
| 0
|
|
|
| Financieros
|
| 19,638
|
| 8,850
|
| 3,523
|
| 9,160
|
| 0
|
| 0
|
|
|
| Por Operaciones en Moneda Extranjera
|
| 11,207
|
| 241
|
| 0
|
| 396
|
| 0
|
| 0
|
|
|
|
|
|
|
| MARGEN DE INVERSIONES
|
| 22,601
|
| 534
|
| 3,194
|
| 11,974
|
| 0
|
| 0
|
|
|
|
|
|
|
| PRODUCTOS POR SERVICIOS
|
| 2,454
|
| 6,664
|
| 0
|
| 405
|
| 0
|
| 0
|
|
|
| GASTOS POR SERVICIOS
|
| 0
|
| 0
|
| 0
|
| 21
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| MARGEN DE SERVICIOS
|
| 2,454
|
| 6,664
|
| 0
|
| 383
|
| 0
|
| 0
|
|
|
|
|
|
|
|
|
|
|
| PRODUCTOS
|
| 306
|
| 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
|
|
|
| Por Dividendos y Participaciones
|
| 306
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| 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
|
|
|
|
|
|
|
|
|
|
|
| MARGEN OTROS PROD. Y GASTOS DE OPERACIÓN
|
| 306
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| MARGEN OPERACIONAL BRUTO
|
| 25,362
|
| 7,199
|
| 3,194
|
| 12,357
|
| 0
|
| 0
|
|
|
|
|
|
|
| GASTOS DE ADMINISTRACION
|
| 6,150
|
| 6,188
|
| 2,513
|
| 5,494
|
| 0
|
| 0
|
|
|
|
|
|
|
| MARGEN OPERACIONAL NETO
|
| 19,211
|
| 1,011
|
| 680
|
| 6,862
|
| 0
|
| 0
|
|
|
|
|
|
|
| PRODUCTOS Y GASTOS EXTRAORDINARIOS
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Productos
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| Gastos
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
| 0
|
|
|
| PRODUCTOS Y GASTOS DE EJERCICIOS ANTERIORES
|
| -1
|
| -4
|
| -14
|
| 1
|
| 0
|
| 0
|
|
|
|
|
|
| Productos
|
| 2
|
| 4
|
| 0
|
| 1
|
| 0
|
| 0
|
|
|
| Gastos
|
| 3
|
| 8
|
| 14
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) BRUTA
|
| 19,210
|
| 1,006
|
| 666
|
| 6,864
|
| 0
|
| 0
|
|
|
|
|
|
|
| Impuesto Sobre La Renta
|
| 3,729
|
| 353
|
| 193
|
| 0
|
| 0
|
| 0
|
|
|
|
|
|
|
| GANANCIA (PERDIDA) NETA
|
| 15,480
|
| 652
|
| 472
|
| 6,864
|
| 0
|
| 0
|
|
Superintendencia de
Bancos de Guatemala