| |
| Estados Financieros Comparados |
| ESTADOS FINANCIEROS COMPARADOS / COMPARATIVE FINANCIAL STATEMENTS |
BANCOS Y FINANCIERAS / BANKS |
|
|
| |
EMPRESA/COMPANY
CIIU |
|
Financiera Efectiva
6592 |
|
COFIDE
6599 |
|
Caja Nuestra Gente
6599 |
|
Financiera TFC
6599 |
|
Financiera Universal
6599 |
| |
| 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 |
|
12,834 |
12,803 |
|
355,227 |
260,462 |
|
114,025 |
110,623 |
|
42,931 |
51,606 |
|
7,721 |
21,871 |
| Disponible / Funds Available |
|
12,834 |
12,803 |
|
355,227 |
260,462 |
|
114,025 |
110,623 |
|
42,931 |
51,606 |
|
7,721 |
21,871 |
| Fondos interbancarios / Inter-Bank Funds |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
8,001 |
1 |
|
0 |
0 |
| Inversiones en Valores (neto) / Investments in securities (net) |
|
0 |
0 |
|
331,539 |
269,010 |
|
12,554 |
13,012 |
|
0 |
0 |
|
0 |
0 |
| Cartera de créditos (neto) / Loans portfolio (net) |
|
144,866 |
121,226 |
|
2,429,951 |
2,082,884 |
|
756,360 |
703,073 |
|
267,920 |
271,815 |
|
45,741 |
19,036 |
| 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 |
|
|
|
|
|
|
|
|
|
|
8,001 |
1 |
|
|
|
| Cuentas por cobrar (neto) / Accounts receivable (net) |
|
5,860 |
5,522 |
|
84,422 |
86,273 |
|
7,439 |
3,245 |
|
15,034 |
5,069 |
|
499 |
304 |
| 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 |
|
|
|
|
331,539 |
269,010 |
|
12,554 |
13,012 |
|
|
|
|
|
|
| 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) |
|
909 |
893 |
|
83 |
83 |
|
52 |
95 |
|
2,933 |
4,235 |
|
1 |
0 |
| Inversiones permanentes en valores (neto) / Permanent investments in securities (net) |
|
0 |
0 |
|
2,423,167 |
2,399,427 |
|
49,089 |
21 |
|
0 |
0 |
|
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) |
|
1,361 |
1,353 |
|
11,135 |
10,534 |
|
24,345 |
24,121 |
|
2,902 |
2,322 |
|
6,144 |
5,144 |
| CARTERA DE CREDITOS / LOANS PORTFOLIO |
|
144,866 |
121,226 |
|
2,429,951 |
2,082,884 |
|
756,360 |
703,073 |
|
267,920 |
271,815 |
|
45,741 |
19,036 |
| Activos intangibles (neto) / Intangible assets |
|
360 |
386 |
|
4,207 |
4,151 |
|
50,792 |
1,218 |
|
0 |
0 |
|
46 |
191 |
| 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 |
|
229 |
31 |
|
44,578 |
47,284 |
|
9,310 |
5,041 |
|
20,525 |
16,577 |
|
617 |
369 |
| 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 |
|
167,572 |
143,013 |
|
5,684,309 |
5,160,108 |
|
1,028,622 |
864,969 |
|
360,246 |
351,625 |
|
67,952 |
52,715 |
| CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE |
|
5,860 |
5,522 |
|
84,422 |
86,273 |
|
7,439 |
3,245 |
|
15,034 |
5,069 |
|
499 |
304 |
| Productos Financieros Derivados para negociación / Financial Derivatives for trading purposes |
|
0 |
0 |
|
0 |
111 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Productos Financieros Derivados con fines de cobertura / Financial Derivatives for hedging purposes |
|
0 |
0 |
|
82,574 |
82,494 |
|
0 |
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 |
|
0 |
0 |
|
24 |
0 |
|
0 |
0 |
|
1,818 |
57 |
|
0 |
0 |
| Otras Cuentas por Cobrar / Other accounts receivable |
|
5,860 |
5,522 |
|
37,625 |
37,265 |
|
8,655 |
4,786 |
|
13,229 |
5,025 |
|
499 |
304 |
| Obligaciones con el público / Obligations with the public |
|
17,410 |
5,128 |
|
42,952 |
70,575 |
|
623,559 |
558,477 |
|
153,614 |
166,036 |
|
291 |
319 |
| Rendimientos Devengados de Cuentas por Cobrar / Accounts receivable accrued gains |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Fondos interbancarios / Inter-Bank Funds |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| (-) Provisiones para Cuentas por Cobrar / Provisions for accounts receivable |
|
0 |
0 |
|
-35,801 |
-33,597 |
|
-1,216 |
-1,541 |
|
-13 |
-13 |
|
0 |
0 |
| Depósitos de Empresas del Sistema Financiero y Organismos Financieros Internacionales / Deposits from financial system companies and international financial organizations |
|
0 |
0 |
|
108,269 |
106,268 |
|
6,513 |
27,311 |
|
0 |
0 |
|
0 |
0 |
| BIENES REALIZ. RECIB. EN PAGO, ADJUD. Y FUERA DE USO / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE |
|
909 |
893 |
|
83 |
83 |
|
52 |
95 |
|
2,933 |
4,235 |
|
1 |
|
| Adeudados y Obligaciones Financieras / Financial debt and obligations |
|
73,677 |
59,160 |
|
924,893 |
731,000 |
|
103,642 |
114,971 |
|
15,393 |
9,526 |
|
0 |
0 |
| Bienes Realizables / Realizable assets |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
885 |
4,234 |
|
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 |
|
909 |
893 |
|
83 |
83 |
|
52 |
95 |
|
2,048 |
1 |
|
1 |
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 |
|
0 |
0 |
|
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 |
|
|
|
|
2,423,167 |
2,399,427 |
|
49,089 |
21 |
|
|
|
|
|
|
| Cuentas por Pagar / Accounts payable |
|
7,949 |
5,617 |
|
58,386 |
28,461 |
|
9,826 |
9,867 |
|
11,696 |
10,456 |
|
1,236 |
453 |
| Inv. x Part. Patrim. en Personas Jurídicas del País y del Exterior / Invest. related to shares in equity of domestic and abroad co. |
|
0 |
0 |
|
2,423,167 |
2,399,427 |
|
49,089 |
21 |
|
0 |
0 |
|
0 |
0 |
| Otras Cuentas por Pagar / Other accounts payable |
|
7,949 |
5,617 |
|
5,317 |
8,798 |
|
9,826 |
9,867 |
|
11,694 |
10,454 |
|
1,236 |
453 |
| Otras Inversiones / Other investments |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
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) |
|
1,361 |
1,353 |
|
11,135 |
10,534 |
|
24,345 |
24,121 |
|
2,902 |
2,322 |
|
6,144 |
5,144 |
| Provisiones / Provisions |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| ACTIVOS INTANGIBLES (NETO) / INTANGIBLE ASSET (NET) |
|
360 |
386 |
|
4,207 |
4,151 |
|
50,792 |
1,218 |
|
|
|
|
46 |
191 |
| 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 |
|
1,153 |
799 |
|
|
|
|
4,656 |
4,520 |
|
|
|
|
7,183 |
5,800 |
| 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) |
|
229 |
31 |
|
44,578 |
47,284 |
|
9,310 |
5,041 |
|
20,525 |
16,577 |
|
617 |
369 |
| Otros pasivos / Other Liabilities |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| TOTAL DEL ACTIVO / TOTAL ASSETS |
|
167,572 |
143,013 |
|
5,684,309 |
5,160,108 |
|
1,028,622 |
864,969 |
|
360,246 |
351,625 |
|
67,952 |
52,715 |
| TOTAL PASIVO CORRIENTE / TOTAL CURRENT LIABILITIES |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Adeudos y Obligaciones Financieras / Financial debts and obligations |
|
24,491 |
40,221 |
|
1,875,119 |
1,612,787 |
|
75,851 |
46,494 |
|
117,793 |
104,139 |
|
20,553 |
0 |
| 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 |
|
17,410 |
5,128 |
|
42,952 |
70,575 |
|
623,559 |
558,477 |
|
153,614 |
166,036 |
|
291 |
319 |
| Valores, Títulos y Obligaciones en Circulación / Outstanding securities, instruments and obligations |
|
0 |
0 |
|
213,509 |
140,148 |
|
0 |
0 |
|
17,034 |
20,098 |
|
0 |
0 |
| 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 |
|
0 |
0 |
|
35,819 |
40,490 |
|
9,874 |
777 |
|
1,418 |
1,072 |
|
92 |
51 |
| Otros pasivos / Other Liabilities |
|
2,661 |
1,337 |
|
4,084 |
35,894 |
|
945 |
501 |
|
2,812 |
5,959 |
|
41 |
47 |
| 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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| TOTAL PASIVO / TOTAL LIABILITIES |
|
126,188 |
111,463 |
|
3,527,682 |
3,017,685 |
|
830,210 |
758,398 |
|
319,760 |
317,286 |
|
22,213 |
870 |
| Capital Emitido / Issued capital |
|
24,000 |
19,064 |
|
1,494,501 |
1,494,501 |
|
124,942 |
80,113 |
|
35,517 |
27,714 |
|
62,559 |
62,559 |
| DEPÓSITOS DE EMP. DEL SIST. FINANC. Y ORG. FINANC. INT. / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG. |
|
|
|
|
108,269 |
106,268 |
|
6,513 |
27,311 |
|
|
|
|
|
|
| Prima de Emisión / Share premium |
|
0 |
0 |
|
14,643 |
14,643 |
|
49,063 |
10,782 |
|
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 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Depósitos de Ahorro / Savings accounts |
|
0 |
0 |
|
0 |
0 |
|
89 |
35 |
|
0 |
0 |
|
0 |
0 |
| Reservas / Reserves |
|
3,559 |
2,567 |
|
265,085 |
259,060 |
|
8,441 |
7,566 |
|
2,821 |
2,399 |
|
0 |
0 |
| Depósitos a Plazo / Term deposits |
|
0 |
0 |
|
106,000 |
106,135 |
|
6,424 |
27,276 |
|
0 |
0 |
|
0 |
0 |
| Resultados Acumulados / Retained earnings |
|
3,991 |
0 |
|
377,391 |
319,936 |
|
0 |
0 |
|
0 |
0 |
|
-11,580 |
-3,814 |
| Gastos x Pagar x Depósitos de Emp. del Sist. Financ. y Org. Financ. Int. / Expenses payable related to deposits |
|
0 |
0 |
|
2,269 |
133 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Resultados No Realizados / Unachieved earnings |
|
0 |
0 |
|
-48,786 |
-5,962 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| ADEUDOS Y OBLIGACIONES FINANCIERAS A CORTO PLAZO / SHORT-TERM FINANCIAL DEBTS AND OBLIGATIONS |
|
73,677 |
59,160 |
|
924,893 |
731,000 |
|
103,642 |
114,971 |
|
15,393 |
9,526 |
|
|
|
| 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 |
|
41,384 |
31,550 |
|
2,156,627 |
2,142,423 |
|
198,412 |
106,571 |
|
40,486 |
34,339 |
|
45,739 |
51,845 |
| TOTAL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND EQUITY |
|
167,572 |
143,013 |
|
5,684,309 |
5,160,108 |
|
1,028,622 |
864,969 |
|
360,246 |
351,625 |
|
67,952 |
52,715 |
| CUENTAS POR PAGAR / ACCOUNTS PAYABLE |
|
7,949 |
5,617 |
|
58,386 |
28,461 |
|
9,826 |
9,867 |
|
11,696 |
10,456 |
|
1,236 |
453 |
| Productos Financieros Derivados para negociación / Financial Derivatives for trading purposes |
|
0 |
0 |
|
0 |
478 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Productos Financieros Derivados con fines de cobertura / Financial Derivatives for hedging purposes |
|
0 |
0 |
|
53,069 |
19,185 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Otras Cuentas por Pagar / Other accounts payable |
|
7,949 |
5,617 |
|
5,317 |
8,798 |
|
9,826 |
9,867 |
|
11,694 |
10,454 |
|
1,236 |
453 |
| Gastos por Pagar de Cuentas por Pagar / Accounts payable-related expenses |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
2 |
2 |
|
0 |
0 |
| ADEUDOS Y OBLIGACIONES FINANCIERAS A LARGO PLAZO / LONG-TERM FINANCIAL DEBTS AND OBLIGATIONS |
|
24,491 |
40,221 |
|
1,875,119 |
1,612,787 |
|
75,851 |
46,494 |
|
117,793 |
104,139 |
|
20,553 |
|
| Adeudos y Oblig. con Emp. e Inst. Financ. del país / Debt and obligations with domestic companies |
|
24,491 |
40,221 |
|
116,895 |
95,000 |
|
34,618 |
35,983 |
|
84,067 |
75,298 |
|
0 |
0 |
| Adeudos y Oblig. con Emp. del Exterior y Org. Financ. Int. / Debt and oblig. with co. abroad and int. financ. org. |
|
0 |
0 |
|
1,324,023 |
1,055,251 |
|
38,000 |
7,286 |
|
27,730 |
28,090 |
|
0 |
0 |
| Otros Adeudos y Obligaciones del país y del exterior / Other debts and obligations within the country and abroad |
|
0 |
0 |
|
420,435 |
451,680 |
|
3,217 |
3,217 |
|
5,836 |
540 |
|
20,394 |
0 |
| Gastos por Pagar de Adeudos y Obligaciones financieras / Expenses payable due to financial debts and obligations |
|
0 |
0 |
|
13,766 |
10,856 |
|
16 |
8 |
|
160 |
211 |
|
159 |
0 |
| PROVISIONES / PROVISIONS |
|
|
|
|
35,819 |
40,490 |
|
9,874 |
777 |
|
1,418 |
1,072 |
|
92 |
51 |
| VALORES, TITULOS Y OBLIGACIONES EN CIRCULACION / OUTSTANDING SECURITIES, TITLES AND OBLIGATIONS |
|
|
|
|
213,509 |
140,148 |
|
|
|
|
17,034 |
20,098 |
|
|
|
| IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX |
|
|
|
|
264,651 |
252,062 |
|
|
|
|
|
|
|
|
|
| OTROS PASIVOS / OTHER LIABILITIES |
|
2,661 |
1,337 |
|
4,084 |
35,894 |
|
945 |
501 |
|
2,812 |
5,959 |
|
41 |
47 |
| TOTAL DEL PASIVO / TOTAL LIABILITIES |
|
126,188 |
111,463 |
|
3,527,682 |
3,017,685 |
|
830,210 |
758,398 |
|
319,760 |
317,286 |
|
22,213 |
870 |
| Capital social / Capital stock |
|
24,000 |
19,064 |
|
1,494,501 |
1,494,501 |
|
124,942 |
80,113 |
|
35,517 |
27,714 |
|
62,559 |
62,559 |
| Capital adicional / Additional capital |
|
0 |
0 |
|
14,643 |
14,643 |
|
49,063 |
10,782 |
|
0 |
0 |
|
0 |
0 |
| Reservas / Reserves |
|
3,559 |
2,567 |
|
265,085 |
259,060 |
|
8,441 |
7,566 |
|
2,821 |
2,399 |
|
0 |
0 |
| Ajustes al Patrimonio / Adjustments to equity |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Resultados Acumulados / Retained earnings |
|
3,991 |
0 |
|
377,391 |
319,936 |
|
0 |
0 |
|
0 |
0 |
|
-11,580 |
-3,814 |
| Resultados no realizados / Unachieved earnings |
|
0 |
0 |
|
-48,786 |
-5,962 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| Resultado Neto del Ejercicio / Net profits for fiscal year |
|
9,834 |
9,919 |
|
53,793 |
60,245 |
|
15,966 |
8,110 |
|
2,148 |
4,226 |
|
-5,240 |
-6,900 |
| TOTAL DEL PATRIMONIO / TOTAL EQUITY |
|
41,384 |
31,550 |
|
2,156,627 |
2,142,423 |
|
198,412 |
106,571 |
|
40,486 |
34,339 |
|
45,739 |
51,845 |
| TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY |
|
167,572 |
143,013 |
|
5,684,309 |
5,160,108 |
|
1,028,622 |
864,969 |
|
360,246 |
351,625 |
|
67,952 |
52,715 |
| |
| 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 |
|
61,201 |
47,458 |
|
197,753 |
167,931 |
|
147,430 |
116,825 |
|
68,604 |
55,980 |
|
8,064 |
1,702 |
| 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 |
|
56,354 |
44,032 |
|
105,242 |
95,568 |
|
110,116 |
85,353 |
|
54,420 |
48,257 |
|
7,779 |
1,116 |
| 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 |
|
45,091 |
35,991 |
|
101,728 |
127,441 |
|
91,102 |
71,579 |
|
28,291 |
30,105 |
|
5,293 |
885 |
| Comisiones / Fees |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| GASTOS FINANCIEROS / FINANCIAL EXPENSES |
|
-4,847 |
-3,426 |
|
-92,511 |
-72,363 |
|
-37,314 |
-31,472 |
|
-14,184 |
-7,723 |
|
-285 |
-586 |
| 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 |
|
45,091 |
35,991 |
|
115,448 |
137,626 |
|
95,502 |
72,312 |
|
36,105 |
31,573 |
|
5,903 |
914 |
| Gastos de Administración / Overheads |
|
-32,648 |
-25,529 |
|
-39,147 |
-36,274 |
|
-71,017 |
-58,607 |
|
-32,511 |
-26,210 |
|
-12,454 |
-7,932 |
| Gastos de Ventas / Sales expenses |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
|
0 |
0 |
| RESULTADO DE OPERACIÓN / OPERATING PROFITS |
|
12,049 |
10,108 |
|
69,667 |
58,712 |
|
20,592 |
10,724 |
|
2,272 |
4,413 |
|
-7,502 |
-7,565 |
| 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 |
|
2,094 |
80 |
|
10,268 |
6,839 |
|
1,783 |
894 |
|
671 |
1,105 |
|
13 |
-30 |
| 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 |
|
-4,309 |
-3,197 |
|
-26,142 |
-20,240 |
|
-6,409 |
-4,234 |
|
-795 |
-1,741 |
|
2,249 |
2,164 |
| 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) |
|
9,834 |
6,991 |
|
53,793 |
45,311 |
|
15,966 |
7,384 |
|
2,148 |
3,777 |
|
-5,240 |
-5,431 |
| 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 |
|
56,354 |
44,032 |
|
105,242 |
95,568 |
|
110,116 |
85,353 |
|
54,420 |
48,257 |
|
7,779 |
1,116 |
| (-) Provisiones para Incobrabilidad de Créditos directos / (-) Provisions for non-collection of direct loans |
|
-11,263 |
-8,041 |
|
-3,514 |
31,873 |
|
-19,014 |
-13,774 |
|
-26,129 |
-18,152 |
|
-2,486 |
-231 |
| MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN |
|
45,091 |
35,991 |
|
101,728 |
127,441 |
|
91,102 |
71,579 |
|
28,291 |
30,105 |
|
5,293 |
885 |
| INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME |
|
0 |
0 |
|
15,586 |
10,462 |
|
8,202 |
3,800 |
|
8,153 |
1,750 |
|
754 |
34 |
| GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES |
|
0 |
0 |
|
-1,866 |
-277 |
|
-3,802 |
-3,067 |
|
-339 |
-282 |
|
-144 |
-5 |
| MARGEN OPERACIONAL / OPERATING MARGIN |
|
45,091 |
35,991 |
|
115,448 |
137,626 |
|
95,502 |
72,312 |
|
36,105 |
31,573 |
|
5,903 |
914 |
| GASTOS DE ADMINISTRACION / OVERHEADS |
|
-32,648 |
-25,529 |
|
-39,147 |
-36,274 |
|
-71,017 |
-58,607 |
|
-32,511 |
-26,210 |
|
-12,454 |
-7,932 |
| MARGEN OPERACIONAL NETO / NET OPERATING MARGIN |
|
12,443 |
10,462 |
|
76,301 |
101,352 |
|
24,485 |
13,705 |
|
3,594 |
5,363 |
|
-6,551 |
-7,018 |
| VALUACIÓN DE ACTIVOS Y PROVISIONES / ASSETS VALUATION AND PROVISIONS |
|
-394 |
-354 |
|
-6,634 |
-42,640 |
|
-3,893 |
-2,981 |
|
-1,322 |
-950 |
|
-951 |
-547 |
| RESULTADO DE OPERACIÓN / OPERATING PROFITS |
|
12,049 |
10,108 |
|
69,667 |
58,712 |
|
20,592 |
10,724 |
|
2,272 |
4,413 |
|
-7,502 |
-7,565 |
| OTROS INGRESOS Y GASTOS / SUNDRY INCOME AND EXPENSES |
|
2,094 |
80 |
|
10,268 |
6,839 |
|
1,783 |
894 |
|
671 |
1,105 |
|
13 |
-30 |
| RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX |
|
14,143 |
10,188 |
|
79,935 |
65,551 |
|
22,375 |
11,618 |
|
2,943 |
5,518 |
|
-7,489 |
-7,595 |
| IMPUESTO A LA RENTA / INCOME TAX |
|
-4,309 |
-3,197 |
|
-26,142 |
-20,240 |
|
-6,409 |
-4,234 |
|
-795 |
-1,741 |
|
2,249 |
2,164 |
| RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS) |
|
9,834 |
6,991 |
|
53,793 |
45,311 |
|
15,966 |
7,384 |
|
2,148 |
3,777 |
|
-5,240 |
-5,431 |
| |
| INDICADORES FINANCIEROS / FINANCIAL RATIOS |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Liquidez / Liquid Ratio |
|
0.14 |
|
|
0.64 |
|
|
0.17 |
|
|
0.30 |
|
|
26.53 |
|
| Rotación en Activos / Gross Sales to Total Assets |
|
0.37 |
|
|
0.03 |
|
|
0.14 |
|
|
0.19 |
|
|
0.12 |
|
| Solvencia / Solvency |
|
0.75 |
|
|
0.62 |
|
|
0.81 |
|
|
0.89 |
|
|
0.33 |
|
| Deuda / Patrimonio / Debt / Equity |
|
3.05 |
|
|
1.64 |
|
|
4.18 |
|
|
7.90 |
|
|
0.49 |
|
| Rentabilidad de Capital % / Return on capital % |
|
40.98 |
|
|
3.60 |
|
|
12.78 |
|
|
6.05 |
|
|
-.- |
|
| Rentabilidad sobre Activos % / Return on Assets % |
|
5.87 |
|
|
0.95 |
|
|
1.55 |
|
|
0.60 |
|
|
-.- |
|
| Rentabilidad de Patrimonio % / Return on Equity % |
|
23.76 |
|
|
2.49 |
|
|
8.05 |
|
|
5.31 |
|
|
-.- |
|
|
|
|
|