| |
| Estados Financieros Comparados |
| ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENTS |
BANCOS Y FINANCIERAS / BANKS |
|
|
| |
EMPRESA/COMPANY
CIIU |
|
BIF
6519 |
|
Banco Azteca
6519 |
|
Banco Continental
6519 |
|
Banco Financiero
6519 |
|
Banco Ripley Perú
6519 |
| |
| ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION |
|
30/09/2011 |
31/12/2010 |
|
30/09/2011 |
31/12/2010 |
|
30/09/2011 |
31/12/2010 |
|
30/09/2011 |
31/12/2010 |
|
30/09/2011 |
31/12/2010 |
| DISPONIBLE / FUNDS AVAILABLE |
|
1,329,396 |
1,193,692 |
|
114,439 |
97,615 |
|
9,332,314 |
9,999,191 |
|
702,921 |
609,925 |
|
101,200 |
181,633 |
| Disponible / Funds Available |
|
1,329,396 |
1,193,692 |
|
114,439 |
97,615 |
|
9,332,314 |
9,999,191 |
|
702,921 |
609,925 |
|
101,200 |
181,633 |
| Fondos interbancarios / Inter-Bank Funds |
|
91,556 |
108,104 |
|
0 |
0 |
|
117,022 |
40,009 |
|
25,814 |
33,005 |
|
86,422 |
3,371 |
| Inversiones en Valores (neto) / Investments in securities (net) |
|
198,286 |
217,791 |
|
2,996 |
0 |
|
3,949,667 |
2,199,939 |
|
430,723 |
220,220 |
|
19,556 |
0 |
| Cartera de créditos (neto) / Loans portfolio (net) |
|
3,369,811 |
2,859,002 |
|
259,498 |
206,148 |
|
28,207,190 |
24,006,067 |
|
2,794,210 |
2,411,897 |
|
880,599 |
822,332 |
| Cuentas por Cobrar por Operaciones de Seguros / Accounts receivable from insurance transactions |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Cuentas por Cobrar a Reaseguradores y Coaseguradores / Accounts receivable from reinsurers and coinsurers |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| FONDOS INTERBANCARIOS / INTER-BANK FUNDS |
|
91,556 |
108,104 |
|
|
|
|
117,022 |
40,009 |
|
25,814 |
33,005 |
|
86,422 |
3,371 |
| Cuentas por cobrar (neto) / Accounts receivable (net) |
|
4,993 |
7,539 |
|
458 |
5,859 |
|
472,981 |
362,324 |
|
9,049 |
9,313 |
|
8,141 |
9,329 |
| Otras Cuentas por Cobrar / Other accounts receivable |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Activos por Impuestos a las Ganancias / Assets from income tax |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| INVERSIONES NEGOCIABLES Y A VENCIMIENTO / TRADABLE INVESTMENTS AND INVESTMENTS BY DUE DATE |
|
198,286 |
217,791 |
|
2,996 |
|
|
3,949,667 |
2,199,939 |
|
430,723 |
220,220 |
|
19,556 |
|
| Otros activos / Other assets |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL ACTIVO CORRIENTE / TOTAL CURRENT ASSETS |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Cartera de créditos (neto) / Loans portfolio (net) |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Cuentas por cobrar (neto) / Accounts receivable (net) |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Otras Cuentas por Cobrar / Other accounts receivable |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Bienes realizables, recibidos en pago, adjudicados y fuera de uso (neto) / Realizable, received as payment, foreclosed and obsolete assets (net) |
|
14,976 |
17,041 |
|
0 |
0 |
|
6,358 |
9,472 |
|
2,787 |
1,868 |
|
0 |
0 |
| Inversiones permanentes en valores (neto) / Permanent investments in securities (net) |
|
79 |
81 |
|
122 |
121 |
|
89,498 |
81,133 |
|
11,244 |
10,373 |
|
0 |
0 |
| Propiedades de Inversión / Investment property |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Propiedad, planta y equipo (neto) / Property, plant and equipment (net) |
|
107,295 |
100,809 |
|
8,318 |
7,869 |
|
557,234 |
447,023 |
|
75,641 |
73,500 |
|
18,132 |
20,367 |
| CARTERA DE CREDITOS / LOANS PORTFOLIO |
|
3,369,811 |
2,859,002 |
|
259,498 |
206,148 |
|
28,207,190 |
24,006,067 |
|
2,794,210 |
2,411,897 |
|
880,599 |
822,332 |
| Activos intangibles (neto) / Intangible assets |
|
6,543 |
6,413 |
|
263 |
358 |
|
0 |
0 |
|
10,051 |
9,841 |
|
56,479 |
51,369 |
| Activos por Impuestos a las Ganancias Diferidos / Assets from deferred income tax |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Otros activos / Other assets |
|
134,682 |
124,058 |
|
34,010 |
13,169 |
|
492,888 |
370,172 |
|
69,452 |
56,860 |
|
30,086 |
35,126 |
| Plusvalía / Capital gain |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL ACTIVO NO CORRIENTE / TOTAL NON-CURRENT ASSETS |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL ACTIVO / TOTAL ASSETS |
|
5,270,998 |
4,650,904 |
|
425,372 |
335,407 |
|
43,544,701 |
37,784,601 |
|
4,149,260 |
3,454,262 |
|
1,207,769 |
1,128,944 |
| CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE |
|
4,993 |
7,539 |
|
458 |
5,859 |
|
472,981 |
362,324 |
|
9,049 |
9,313 |
|
8,141 |
9,329 |
| Productos Financieros Derivados para negociación / Financial Derivatives for trading purposes |
|
191 |
425 |
|
0 |
0 |
|
328,158 |
301,121 |
|
148 |
240 |
|
0 |
0 |
| Productos Financieros Derivados con fines de cobertura / Financial Derivatives for hedging purposes |
|
0 |
0 |
|
0 |
0 |
|
75,683 |
0 |
|
0 |
0 |
|
0 |
0 |
| Cuentas por Cobrar por Venta de Bienes y Servicios y Fideicomiso / Accounts receivable from sale of assets and services and trusts |
|
78 |
46 |
|
101 |
4,985 |
|
49,771 |
51,571 |
|
803 |
1,309 |
|
2,832 |
3,510 |
| Otras Cuentas por Cobrar / Other accounts receivable |
|
17,584 |
17,218 |
|
767 |
874 |
|
102,255 |
79,954 |
|
9,329 |
8,585 |
|
5,328 |
5,822 |
| Obligaciones con el público / Obligations with the public |
|
3,706,588 |
3,201,736 |
|
330,556 |
268,061 |
|
29,043,649 |
25,558,208 |
|
2,768,242 |
2,447,792 |
|
629,872 |
574,500 |
| Rendimientos Devengados de Cuentas por Cobrar / Accounts receivable accrued gains |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
634 |
286 |
|
0 |
0 |
| Fondos interbancarios / Inter-Bank Funds |
|
0 |
0 |
|
0 |
0 |
|
112,887 |
479,805 |
|
88,649 |
0 |
|
5,001 |
24,006 |
| (-) Provisiones para Cuentas por Cobrar / Provisions for accounts receivable |
|
-12,860 |
-10,150 |
|
-410 |
0 |
|
-82,886 |
-70,322 |
|
-1,865 |
-1,107 |
|
-19 |
-3 |
| Depósitos de Empresas del Sistema Financiero y Organismos Financieros Internacionales / Deposits from financial system companies and international financial organizations |
|
272,969 |
305,211 |
|
7,662 |
0 |
|
514,686 |
373,028 |
|
80,166 |
64,754 |
|
121,157 |
44,164 |
| BIENES REALIZ. RECIB. EN PAGO, ADJUD. Y FUERA DE USO / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE |
|
14,976 |
17,041 |
|
|
|
|
6,358 |
9,472 |
|
2,787 |
1,868 |
|
|
|
| Adeudados y Obligaciones Financieras / Financial debt and obligations |
|
94,683 |
101,622 |
|
0 |
397 |
|
3,322,971 |
800,180 |
|
46,507 |
119,779 |
|
17,961 |
0 |
| Bienes Realizables / Realizable assets |
|
14,360 |
15,731 |
|
0 |
0 |
|
3,170 |
4,078 |
|
1,111 |
586 |
|
0 |
0 |
| Cuentas por Pagar a Intermediarios y Auxiliares / Accounts payable to brokers and assistants |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Bienes Recibidos en Pago y Adjudicados / Assets received in payment and foreclosed |
|
616 |
1,310 |
|
0 |
0 |
|
3,088 |
4,899 |
|
1,676 |
1,282 |
|
0 |
0 |
| Cuentas por Pagar a Asegurados / Accounts payable to insured |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Bienes Fuera de Uso / Obligation with the public |
|
0 |
0 |
|
0 |
0 |
|
100 |
495 |
|
0 |
0 |
|
0 |
0 |
| Cuentas por Pagar a Reaseguradores y Coaseguradores / Accounts payable to reinsurers and coinsurers |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| INVERSIONES EN SUBSIDIARIAS Y ASOCIADAS / INVESTMENTS IN SUBSIDIARIES AND ASSOCIATES |
|
79 |
81 |
|
122 |
121 |
|
89,498 |
81,133 |
|
11,244 |
10,373 |
|
|
|
| Cuentas por Pagar / Accounts payable |
|
39,053 |
28,131 |
|
8,261 |
5,759 |
|
646,194 |
590,755 |
|
24,970 |
14,766 |
|
87,297 |
89,135 |
| Inv. x Part. Patrim. en Personas Jurídicas del País y del Exterior / Invest. related to shares in equity of domestic and abroad co. |
|
79 |
81 |
|
122 |
121 |
|
87,477 |
79,139 |
|
11,244 |
10,373 |
|
0 |
0 |
| Otras Cuentas por Pagar / Other accounts payable |
|
38,926 |
27,778 |
|
8,261 |
5,759 |
|
281,232 |
303,719 |
|
24,970 |
14,766 |
|
87,297 |
89,135 |
| Otras Inversiones / Other investments |
|
0 |
0 |
|
0 |
0 |
|
2,021 |
1,994 |
|
0 |
0 |
|
0 |
0 |
| Valores, Títulos y Obligaciones en Circulación / Outstanding securities, instruments and obligations |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET) |
|
107,295 |
100,809 |
|
8,318 |
7,869 |
|
557,234 |
447,023 |
|
75,641 |
73,500 |
|
18,132 |
20,367 |
| Provisiones / Provisions |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| ACTIVOS INTANGIBLES (NETO) / INTANGIBLE ASSET (NET) |
|
6,543 |
6,413 |
|
263 |
358 |
|
|
|
|
10,051 |
9,841 |
|
56,479 |
51,369 |
| Reservas Técnicas por Siniestros / Technical reserves for claims |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX |
|
13,381 |
16,374 |
|
5,268 |
4,268 |
|
319,549 |
269,271 |
|
17,368 |
17,460 |
|
7,154 |
5,417 |
| Pasivos por Impuestos a las Ganancias / Liabilities form income tax |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| OTROS ACTIVOS (NETO) / OTHER ASSETS (NET) |
|
134,682 |
124,058 |
|
34,010 |
13,169 |
|
492,888 |
370,172 |
|
69,452 |
56,860 |
|
30,086 |
35,126 |
| Otros pasivos / Other Liabilities |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL DEL ACTIVO / TOTAL ASSETS |
|
5,270,998 |
4,650,904 |
|
425,372 |
335,407 |
|
43,544,701 |
37,784,601 |
|
4,149,260 |
3,454,262 |
|
1,207,769 |
1,128,944 |
| TOTAL PASIVO CORRIENTE / TOTAL CURRENT LIABILITIES |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Adeudos y Obligaciones Financieras / Financial debts and obligations |
|
455,835 |
340,454 |
|
0 |
0 |
|
4,642,553 |
4,916,197 |
|
675,746 |
399,989 |
|
59,693 |
49,763 |
| Reservas Técnicas por Primas / Technical reserves for premiums |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Reservas Técnicas por Siniestros / Technical reserves for claims |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Cuentas por Pagar / Accounts payable |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Cuentas por Pagar Diversas / Sundry accounts payable |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC |
|
3,706,588 |
3,201,736 |
|
330,556 |
268,061 |
|
29,043,649 |
25,558,208 |
|
2,768,242 |
2,447,792 |
|
629,872 |
574,500 |
| Valores, Títulos y Obligaciones en Circulación / Outstanding securities, instruments and obligations |
|
262,728 |
278,166 |
|
0 |
0 |
|
1,254,605 |
1,167,150 |
|
51,838 |
15,923 |
|
0 |
103,099 |
| Pasivos por Impuestos a las Ganancias Diferidos / Liabilities from deferred income tax |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Otras Provisiones / Other Provisions |
|
32,802 |
36,992 |
|
12,160 |
5,527 |
|
493,021 |
457,611 |
|
37,625 |
37,651 |
|
2,634 |
1,404 |
| Otros pasivos / Other Liabilities |
|
38,621 |
27,737 |
|
1,326 |
811 |
|
125,704 |
57,752 |
|
20,066 |
8,619 |
|
13,020 |
17,385 |
| Ingreso Diferido / Deferred income |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL PASIVO NO CORRIENTE / TOTAL NON-CURRENT LIABILITIES |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| FONDOS INTERBANCARIOS / INTER-BANK FUNDS |
|
|
|
|
|
|
|
112,887 |
479,805 |
|
88,649 |
|
|
5,001 |
24,006 |
| TOTAL PASIVO / TOTAL LIABILITIES |
|
4,903,279 |
4,320,049 |
|
359,965 |
280,555 |
|
40,156,270 |
34,400,686 |
|
3,793,809 |
3,109,273 |
|
936,635 |
903,456 |
| Capital Emitido / Issued capital |
|
291,545 |
253,910 |
|
47,404 |
47,404 |
|
1,944,232 |
1,843,427 |
|
322,389 |
299,449 |
|
129,848 |
107,767 |
| DEPÓSITOS DE EMP. DEL SIST. FINANC. Y ORG. FINANC. INT. / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. |
|
272,969 |
305,211 |
|
7,662 |
|
|
514,686 |
373,028 |
|
80,166 |
64,754 |
|
121,157 |
44,164 |
| Prima de Emisión / Share premium |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Acciones propias en cartera / Treasury shares |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Depósitos a la Vista / Demand deposits |
|
1 |
1 |
|
0 |
0 |
|
277,781 |
77,040 |
|
2,649 |
3,887 |
|
0 |
0 |
| Depósitos de Ahorro / Savings accounts |
|
0 |
0 |
|
0 |
0 |
|
57,680 |
66,212 |
|
759 |
837 |
|
0 |
0 |
| Reservas / Reserves |
|
28,014 |
22,603 |
|
6,236 |
195 |
|
609,365 |
508,640 |
|
22,281 |
18,983 |
|
45,638 |
37,718 |
| Depósitos a Plazo / Term deposits |
|
272,480 |
304,557 |
|
7,500 |
0 |
|
178,827 |
229,155 |
|
76,118 |
59,857 |
|
120,638 |
44,092 |
| Resultados Acumulados / Retained earnings |
|
0 |
54 |
|
574 |
-6,173 |
|
20,832 |
24,601 |
|
-13,942 |
-6,416 |
|
49,271 |
28,269 |
| Gastos x Pagar x Depósitos de Emp. del Sist. Financ. y Org. Financ. Int. / Expenses payable related to deposits |
|
488 |
653 |
|
162 |
0 |
|
398 |
621 |
|
640 |
173 |
|
519 |
72 |
| Resultados No Realizados / Unachieved earnings |
|
-29 |
-433 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| ADEUDOS Y OBLIGACIONES FINANCIERAS A CORTO PLAZO / SHORT-TERM FINANCIAL DEBTS AND OBLIGATIONS |
|
94,683 |
101,622 |
|
|
397 |
|
3,322,971 |
800,180 |
|
46,507 |
119,779 |
|
17,961 |
|
| Patrimonio Atribuible a los Propietarios de la Controladora / Equity attributable to controlling interest |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Participaciones No Controladoras / Non-controlling interest |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL PATRIMONIO / TOTAL EQUITY |
|
367,719 |
330,855 |
|
65,407 |
54,852 |
|
3,388,431 |
3,383,915 |
|
355,451 |
344,989 |
|
271,134 |
225,488 |
| TOTAL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND EQUITY |
|
5,270,998 |
4,650,904 |
|
425,372 |
335,407 |
|
43,544,701 |
37,784,601 |
|
4,149,260 |
3,454,262 |
|
1,207,769 |
1,128,944 |
| CUENTAS POR PAGAR / ACCOUNTS PAYABLE |
|
39,053 |
28,131 |
|
8,261 |
5,759 |
|
646,194 |
590,755 |
|
24,970 |
14,766 |
|
87,297 |
89,135 |
| Productos Financieros Derivados para negociación / Financial Derivatives for trading purposes |
|
127 |
353 |
|
0 |
0 |
|
364,962 |
242,219 |
|
0 |
0 |
|
0 |
0 |
| Productos Financieros Derivados con fines de cobertura / Financial Derivatives for hedging purposes |
|
0 |
0 |
|
0 |
0 |
|
0 |
44,817 |
|
0 |
0 |
|
0 |
0 |
| Otras Cuentas por Pagar / Other accounts payable |
|
38,926 |
27,778 |
|
8,261 |
5,759 |
|
281,232 |
303,719 |
|
24,970 |
14,766 |
|
87,297 |
89,135 |
| Gastos por Pagar de Cuentas por Pagar / Accounts payable-related expenses |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| ADEUDOS Y OBLIGACIONES FINANCIERAS A LARGO PLAZO / LONG-TERM FINANCIAL DEBTS AND OBLIGATIONS |
|
455,835 |
340,454 |
|
|
|
|
4,642,553 |
4,916,197 |
|
675,746 |
399,989 |
|
59,693 |
49,763 |
| Adeudos y Oblig. con Emp. e Inst. Financ. del país / Debt and obligations with domestic companies |
|
46,306 |
43,051 |
|
0 |
0 |
|
319,926 |
223,257 |
|
134,606 |
89,875 |
|
58,000 |
49,000 |
| Adeudos y Oblig. con Emp. del Exterior y Org. Financ. Int. / Debt and oblig. with co. abroad and int. financ. org. |
|
406,709 |
294,952 |
|
0 |
0 |
|
4,270,044 |
4,662,623 |
|
285,726 |
90,866 |
|
0 |
0 |
| Otros Adeudos y Obligaciones del país y del exterior / Other debts and obligations within the country and abroad |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
252,062 |
217,766 |
|
0 |
0 |
| Gastos por Pagar de Adeudos y Obligaciones financieras / Expenses payable due to financial debts and obligations |
|
2,820 |
2,451 |
|
0 |
0 |
|
52,583 |
30,317 |
|
3,352 |
1,482 |
|
1,693 |
763 |
| PROVISIONES / PROVISIONS |
|
32,802 |
36,992 |
|
12,160 |
5,527 |
|
493,021 |
457,611 |
|
37,625 |
37,651 |
|
2,634 |
1,404 |
| VALORES, TITULOS Y OBLIGACIONES EN CIRCULACION / OUTSTANDING SECURITIES, TITLES AND OBLIGATIONS |
|
262,728 |
278,166 |
|
|
|
|
1,254,605 |
1,167,150 |
|
51,838 |
15,923 |
|
|
103,099 |
| IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| OTROS PASIVOS / OTHER LIABILITIES |
|
38,621 |
27,737 |
|
1,326 |
811 |
|
125,704 |
57,752 |
|
20,066 |
8,619 |
|
13,020 |
17,385 |
| TOTAL DEL PASIVO / TOTAL LIABILITIES |
|
4,903,279 |
4,320,049 |
|
359,965 |
280,555 |
|
40,156,270 |
34,400,686 |
|
3,793,809 |
3,109,273 |
|
936,635 |
903,456 |
| Capital social / Capital stock |
|
291,545 |
253,910 |
|
47,404 |
47,404 |
|
1,944,232 |
1,843,427 |
|
322,389 |
299,449 |
|
129,848 |
107,767 |
| Capital adicional / Additional capital |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Reservas / Reserves |
|
28,014 |
22,603 |
|
6,236 |
195 |
|
609,365 |
508,640 |
|
22,281 |
18,983 |
|
45,638 |
37,718 |
| Ajustes al Patrimonio / Adjustments to equity |
|
614 |
614 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Resultados Acumulados / Retained earnings |
|
0 |
54 |
|
574 |
-6,173 |
|
20,832 |
24,601 |
|
-13,942 |
-6,416 |
|
49,271 |
28,269 |
| Resultados no realizados / Unachieved earnings |
|
-29 |
-433 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Resultado Neto del Ejercicio / Net profits for fiscal year |
|
47,575 |
54,107 |
|
11,193 |
13,426 |
|
814,002 |
1,007,247 |
|
24,723 |
32,973 |
|
46,377 |
51,734 |
| TOTAL DEL PATRIMONIO / TOTAL EQUITY |
|
367,719 |
330,855 |
|
65,407 |
54,852 |
|
3,388,431 |
3,383,915 |
|
355,451 |
344,989 |
|
271,134 |
225,488 |
| TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY |
|
5,270,998 |
4,650,904 |
|
425,372 |
335,407 |
|
43,544,701 |
37,784,601 |
|
4,149,260 |
3,454,262 |
|
1,207,769 |
1,128,944 |
| |
| ESTADO DE RESULTADOS / INCOME STATEMENT |
|
30/09/2011 |
30/09/2010 |
|
30/09/2011 |
30/09/2010 |
|
30/09/2011 |
30/09/2010 |
|
30/09/2011 |
30/09/2010 |
|
30/09/2011 |
30/09/2010 |
| INGRESOS FINANCIEROS / FINANCIEAL INCOME |
|
246,221 |
203,912 |
|
174,277 |
146,850 |
|
2,378,845 |
1,903,813 |
|
336,912 |
279,020 |
|
289,579 |
245,772 |
| INGRESOS DE ACTIVIDADES ORDINARIAS / INCOME FROM REGULAR ACTIVITIES |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| COSTOS POR SERVICIOS Y VENTA DE BIENES / COSTS OF SERVICES AND PROPERTY SALES |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| MARGEN BRUTO / GROSS MARGIN |
|
166,661 |
142,990 |
|
159,491 |
130,021 |
|
1,665,812 |
1,506,330 |
|
238,358 |
203,679 |
|
231,178 |
195,058 |
| Ganancias (Pérdidas) que surgen de la Diferencia entre el Valor Libro Anterior y el Valor Justo de Activos Financieros Medidos a Valor Razonable / Profits (losses) arising from the diff. between the previous book value and fair value of financ. assets reclassified and measured at fair value |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Provisión para Incobrabilidad de Créditos / Provisions for bad loans |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| MARGEN FINANCIERO BRUTO DESPUÉS DE PROVISIONES / GROSS FINANCIAL MARGIN AFTER PROVISIONS |
|
147,024 |
128,960 |
|
113,092 |
92,704 |
|
1,457,715 |
1,301,473 |
|
160,555 |
128,894 |
|
145,719 |
129,544 |
| Comisiones / Fees |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| GASTOS FINANCIEROS / FINANCIAL EXPENSES |
|
-79,560 |
-60,922 |
|
-14,786 |
-16,829 |
|
-713,033 |
-397,483 |
|
-98,554 |
-75,341 |
|
-58,401 |
-50,714 |
| Ingresos (Egresos) Diversos / Sundry income (expenses) |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Participación en los Resultados Netos de Asociadas y Negocios Conjuntos Contabilizados por el Método de la Participación / Equity in net results of associates and joint ventures booked by the equity method |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| MARGEN OPERACIONAL ANTES DE GASTOS ADMINISTRATIVOS Y DE INGRESOS POR ACTIVIDADES ORDINARIAS / OPERATING MARGIN BEFORE OVERHEADS AND INCOME FROM REGULAR ACTIVITIES |
|
190,223 |
163,997 |
|
117,651 |
100,102 |
|
1,898,752 |
1,686,186 |
|
192,704 |
158,120 |
|
220,382 |
190,024 |
| Gastos de Administración / Overheads |
|
-108,533 |
-98,018 |
|
-104,276 |
-82,942 |
|
-700,625 |
-598,796 |
|
-163,676 |
-139,621 |
|
-154,505 |
-141,077 |
| Gastos de Ventas / Sales expenses |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| RESULTADO DE OPERACIÓN / OPERATING PROFITS |
|
63,895 |
54,320 |
|
3,482 |
9,844 |
|
1,085,190 |
1,004,554 |
|
14,792 |
8,942 |
|
55,402 |
40,364 |
| Ingresos financieros / Financial income |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Gastos financieros / Financial expenses |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Otros ingresos y gastos / Sundry income and expenses |
|
1,633 |
977 |
|
13,895 |
6,290 |
|
-1,503 |
2,636 |
|
17,781 |
26,908 |
|
15,182 |
20,521 |
| RESULTADO ANTES DE IMPUESTO A LAS GANANCIAS / PRE-INCOME TAX RESULT |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Gasto por Impuesto a las Ganancias / Income tax expenses |
|
-17,953 |
-15,497 |
|
-6,184 |
-7,095 |
|
-269,685 |
-258,307 |
|
-7,850 |
-12,147 |
|
-24,207 |
-19,844 |
| Ganancia (Pérdida) Neta de Operaciones Continuadas / Net profit (loss) form continuing trades |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Ganancia (Pérdida) Neta del Imp. a las Ganancias Procedente de Op. Discontinuadas / Net profit (loss) from income tax discontinued trades |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| GANANCIA (PERDIDA) NETA DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) |
|
47,575 |
39,800 |
|
11,193 |
9,039 |
|
814,002 |
748,883 |
|
24,723 |
23,703 |
|
46,377 |
41,041 |
| Ganancia (Pérdida) Neta atribuible a: / Net profit (loss) attributable to: |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Propietarios de la Controladora / Controlling interest |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Participaciones no Controladoras / Non-controlling interest |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN |
|
166,661 |
142,990 |
|
159,491 |
130,021 |
|
1,665,812 |
1,506,330 |
|
238,358 |
203,679 |
|
231,178 |
195,058 |
| (-) Provisiones para Incobrabilidad de Créditos directos / (-) Provisions for non-collection of direct loans |
|
-19,637 |
-14,030 |
|
-46,399 |
-37,317 |
|
-208,097 |
-204,857 |
|
-77,803 |
-74,785 |
|
-85,459 |
-65,514 |
| MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN |
|
147,024 |
128,960 |
|
113,092 |
92,704 |
|
1,457,715 |
1,301,473 |
|
160,555 |
128,894 |
|
145,719 |
129,544 |
| INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME |
|
53,609 |
48,103 |
|
5,774 |
8,460 |
|
484,865 |
422,105 |
|
50,720 |
44,724 |
|
75,961 |
61,472 |
| GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES |
|
-10,410 |
-13,066 |
|
-1,215 |
-1,062 |
|
-43,828 |
-37,392 |
|
-18,571 |
-15,498 |
|
-1,298 |
-992 |
| MARGEN OPERACIONAL / OPERATING MARGIN |
|
190,223 |
163,997 |
|
117,651 |
100,102 |
|
1,898,752 |
1,686,186 |
|
192,704 |
158,120 |
|
220,382 |
190,024 |
| GASTOS DE ADMINISTRACION / OVERHEADS |
|
-108,533 |
-98,018 |
|
-104,276 |
-82,942 |
|
-700,625 |
-598,796 |
|
-163,676 |
-139,621 |
|
-154,505 |
-141,077 |
| MARGEN OPERACIONAL NETO / NET OPERATING MARGIN |
|
81,690 |
65,979 |
|
13,375 |
17,160 |
|
1,198,127 |
1,087,390 |
|
29,028 |
18,499 |
|
65,877 |
48,947 |
| VALUACIÓN DE ACTIVOS Y PROVISIONES / ASSETS VALUATION AND PROVISIONS |
|
-17,795 |
-11,659 |
|
-9,893 |
-7,316 |
|
-112,937 |
-82,836 |
|
-14,236 |
-9,557 |
|
-10,475 |
-8,583 |
| RESULTADO DE OPERACIÓN / OPERATING PROFITS |
|
63,895 |
54,320 |
|
3,482 |
9,844 |
|
1,085,190 |
1,004,554 |
|
14,792 |
8,942 |
|
55,402 |
40,364 |
| OTROS INGRESOS Y GASTOS / SUNDRY INCOME AND EXPENSES |
|
1,633 |
977 |
|
13,895 |
6,290 |
|
-1,503 |
2,636 |
|
17,781 |
26,908 |
|
15,182 |
20,521 |
| RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX |
|
65,528 |
55,297 |
|
17,377 |
16,134 |
|
1,083,687 |
1,007,190 |
|
32,573 |
35,850 |
|
70,584 |
60,885 |
| IMPUESTO A LA RENTA / INCOME TAX |
|
-17,953 |
-15,497 |
|
-6,184 |
-7,095 |
|
-269,685 |
-258,307 |
|
-7,850 |
-12,147 |
|
-24,207 |
-19,844 |
| RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) |
|
47,575 |
39,800 |
|
11,193 |
9,039 |
|
814,002 |
748,883 |
|
24,723 |
23,703 |
|
46,377 |
41,041 |
| |
| INDICADORES FINANCIEROS / FINANCIAL RATIOS |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Liquidez / Liquid Ratio |
|
0.40 |
|
|
0.35 |
|
|
0.41 |
|
|
0.39 |
|
|
0.27 |
|
| Rotación en Activos / Gross Sales to Total Assets |
|
0.05 |
|
|
0.41 |
|
|
0.05 |
|
|
0.08 |
|
|
0.24 |
|
| Solvencia / Solvency |
|
0.93 |
|
|
0.85 |
|
|
0.92 |
|
|
0.91 |
|
|
0.78 |
|
| Deuda / Patrimonio / Debt / Equity |
|
13.33 |
|
|
5.50 |
|
|
11.85 |
|
|
10.67 |
|
|
3.45 |
|
| Rentabilidad de Capital % / Return on capital % |
|
16.32 |
|
|
23.61 |
|
|
41.87 |
|
|
7.67 |
|
|
35.72 |
|
| Rentabilidad sobre Activos % / Return on Assets % |
|
0.90 |
|
|
2.63 |
|
|
1.87 |
|
|
0.60 |
|
|
3.84 |
|
| Rentabilidad de Patrimonio % / Return on Equity % |
|
12.94 |
|
|
17.11 |
|
|
24.02 |
|
|
6.96 |
|
|
17.10 |
|
|
|
|
|