• Base de Datos Histórica


Balance General (MXN Mn) 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 575.7 810.6 315.8 120.8 53.8 126.9 85.2 64.3 30.8 12.9
Inversiones en Valores 940.9 529.8 992.7 543.3 1,251.2 646.2 346.8 253.6 445.0 253.3
Operación con valores y derivados 1,028.0 1,920.9 2,466.9 2,112.8 950.3 230.1 241.5 521.4 25.7 0.0
Cartera de Crédito Vigente 35,701.6 28,409.8 23,410.0 17,193.6 13,544.3 10,265.0 6,625.6 5,403.1 3,609.8 3,321.8
Cartera de Crédito Vencida 617.6 605.2 517.0 416.1 260.6 158.5 106.9 109.0 126.0 69.1
Total de Cartera de Crédito 36,319.1 29,015.0 23,927.0 17,609.6 13,804.9 10,423.5 6,732.5 5,512.2 3,735.8 3,391.0
Estimación Preventiva para Riesgos Crediticios (1,067.9) (1,067.5) (767.5) (485.5) (420.1) (203.2) (141.3) (130.5) (126.0) (69.6)
Cartera de Crédito Neta 35,251.2 27,947.5 23,159.6 17,124.1 13,384.8 10,220.3 6,591.2 5,381.6 3,609.8 3,321.3
Otras cuentas por Cobrar 5,378.8 4,629.7 3,577.3 2,258.9 1,156.2 2,390.4 2,504.3 1,574.0 895.8 174.5
Bienes Adjudicados 10.5 3.3 28.0
Mobiliario y Equipo 341.5 342.2 262.1 149.1 85.5 22.9 17.8 14.3 16.1 19.5
Inversiones en Acciones 1,193.4 1,265.3 1,057.8 835.6 859.0 786.0 752.5 364.0 - -
Impuestos Diferidos - 329.8 - - - - - - - -
Otros Activos 4,842.5 4,128.7 4,055.2 2,850.8 2,174.7 677.2 425.9 179.4 153.7 71.7
Total Activo 49,562.5 41,907.7 35,915.4 25,995.5 19,915.5 15,100.0 10,965.3 8,352.7 5,176.9 3,853.2
Pasivos:
Pasivos Bursátiles 1,463.5 1,000.0 2,759.2 3,610.4 2,571.9 3,041.8 1,751.0 1,944.0 592.7 2,590.1
Pasivos Bursátiles (Senior Notes) 17,018.8 13,543.9 14,129.3 7,334.6 6,561.0 2,829.6 2,814.4 3,122.1 2,563.8 0.0
Préstamos Bancarios de Corto Plazo 7,359.7 2,927.9 5,051.7 3,490.5 1,120.3 1,950.1 1,562.4 1,053.9 365.0 353.8
Préstamos Bancarios de Largo Plazo 4,804.7 6,112.8 2,648.3 3,008.4 3,140.8 2,130.8 719.6 516.0 502.5 20.8
Total de Créditos Bancarios 12,164.4 9,040.6 7,700.1 6,498.9 4,261.1 4,080.9 2,282.0 1,569.9 867.5 374.7
Total de la Deuda 30,646.7 23,722.1 24,588.5 17,443.9 13,394.0 9,952.2 6,847.3 6,636.0 4,024.0 2,964.7
Otras cuentas por pagar 2,980.2 3,417.2 2,049.5 1,839.1 1,164.3 794.9 521.5 256.3 127.7 77.0
Total Pasivo 33,626.9 27,139.4 26,638.0 19,283.0 14,558.3 10,747.1 7,368.9 6,892.3 4,151.7 3,041.8
Capital contable:
Capital Social 2,067.7 2,122.8 2,110.4 2,108.1 2,135.2 2,016.2 2,017.2 507.4 492.7 490.9
Bono Perpetuo 4,206.7 4,206.7 - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 6,698.8 5,575.5 4,378.6 3,035.2 1,977.7 1,326.1 935.8 537.4 320.6 135.7
Resultado de Valuación de Instrumentos de Cobertura 128.6 359.7 229.4 89.3 5.5 7.0 29.3 - - -
Ajustes por Conversión Cambiaria (30.1) 93.7 167.6 - - - - - - -
Participación Controladora 908.5 748.9 677.2 108.6 14.0 - - - - -
Resultado Neto 1,955.4 1,661.1 1,714.0 1,371.4 1,224.8 1,003.6 614.1 415.5 211.9 184.9
Total Capital Contable 15,935.6 14,768.4 9,277.3 6,712.5 5,357.2 4,352.9 3,596.4 1,460.4 1,025.2 811.5
Total Pasivo y Capital Contable 49,562.5 41,907.7 35,915.4 25,995.5 19,915.5 15,100.0 10,965.3 8,352.7 5,176.9 3,853.2
Balance General (USD Mn) 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 29.3 41.2 15.3 7.0 3.6 9.7 6.6 4.6 2.5 1.0
Inversiones en Valores 47.9 26.9 48.1 31.5 84.9 49.4 26.7 18.2 36.0 19.4
Operación con valores y derivados 52.3 97.7 119.6 122.5 64.5 17.6 18.6 37.4 2.1 0.0
Cartera de Crédito Vigente 1,816.8 1,444.8 1,135.3 996.8 918.8 784.5 511.0 387.4 292.3 254.2
Cartera de Crédito Vencida 31.4 30.8 25.1 24.1 17.7 12.1 8.2 7.8 10.2 5.3
Total de Cartera de Crédito 1,848.2 1,475.6 1,160.4 1,020.9 936.5 796.6 519.3 395.2 302.5 259.5
Estimación Preventiva para Riesgos Crediticios (54.3) (54.3) (37.2) (28.1) (28.5) (15.5) (10.9) (9.4) (10.2) (5.3)
Cartera de Crédito Neta 1,793.8 1,421.3 1,123.2 992.8 908.0 781.1 508.4 385.8 292.3 254.2
Otras cuentas por Cobrar 273.7 235.5 173.5 131.0 78.4 182.7 193.1 112.9 72.5 13.4
Bienes Adjudicados 0.5 0.2 1.4
Mobiliario y Equipo 17.4 17.4 12.7 8.6 5.8 1.8 1.4 1.0 1.3 1.5
Inversiones en Acciones 60.7 64.4 51.3 48.4 58.3 60.1 58.0 26.1 - -
Impuestos Diferidos - 16.8 - - - - - - - -
Otros Activos 246.4 210.0 196.7 165.3 147.5 51.8 32.8 12.9 12.4 5.5
Total Activo 2,522.1 2,131.3 1,741.8 1,507.1 1,351.0 1,154.1 845.7 598.9 419.2 294.9
Pasivos:
Pasivos Bursátiles 74.5 50.9 133.8 209.3 174.5 232.5 135.0 139.4 48.0 198.2
Pasivos Bursátiles (Senior Notes) 866.0 688.8 685.2 425.2 445.1 216.3 217.1 223.8 207.6 0.0
Préstamos Bancarios de Corto Plazo 374.5 148.9 245.0 202.4 76.0 149.0 120.5 75.6 29.6 27.1
Préstamos Bancarios de Largo Plazo 244.5 310.9 128.4 174.4 213.1 162.9 55.5 37.0 40.7 1.6
Total de Créditos Bancarios 619.0 459.8 373.4 376.8 289.1 311.9 176.0 112.6 70.2 28.7
Total de la Deuda 1,559.5 1,206.4 1,192.5 1,011.3 908.6 760.6 528.1 475.8 325.8 226.9
Otras cuentas por pagar 151.7 173.8 99.4 106.6 79.0 60.8 40.2 18.4 10.3 5.9
Total Pasivo 1,711.2 1,380.2 1,291.9 1,117.9 987.6 821.4 568.3 494.2 336.2 232.8
Capital contable:
Capital Social 105.2 108.0 102.4 122.2 144.8 154.1 155.6 36.4 39.9 37.6
Bono Perpetuo 214.1 213.9 - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 340.9 283.6 212.4 176.0 134.2 101.4 72.2 38.5 26.0 10.4
Resultado de Valuación de Instrumentos de Cobertura 6.5 18.3 11.1 5.2 0.4 0.5 2.3 - - -
Ajustes por Conversión Cambiaria (1.5) 4.8 8.1 - - - - - - -
Participación Controladora 46.2 38.1 32.8 6.3 0.9 - - - - -
Resultado Neto 99.5 84.5 83.1 79.5 83.1 76.7 47.4 29.8 17.2 14.1
Total Capital Contable 810.9 751.1 449.9 389.2 363.4 332.7 277.4 104.7 83.0 62.1
Total Pasivo y Capital Contable 2,522.1 2,131.3 1,741.8 1,507.1 1,351.0 1,154.1 845.7 598.9 419.2 294.9

Estado de Resultados
(MXN Mn)
2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 10,287.6 8,557.3 6,958.2 4,264.2 3,327.1 2,724.5 2,090.4 1,912.3 1,211.4 959.6
Gastos por Intereses (3,207.4) (2,726.1) (1,916.4) (952.3) (882.2) (723.1) (654.8) (612.8) (384.1) (253.8)
Margen Financiero 7,080.2 5,831.3 5,041.8 3,311.9 2,444.9 2,001.4 1,435.6 1,299.5 827.3 705.8
Estimación Preventiva para Riesgos Crediticios (1,800.7) (1,343.1) (831.6) (345.6) (264.6) (404.5) (272.8) (309.0) (226.8) (146.3)
Margen Financiero Ajustado por Riesgos Crediticios 5,279.5 4,488.1 4,210.2 2,966.3 2,180.3 1,596.9 1,162.8 990.5 600.5 559.5
Comisiones y Tarifas Cobradas 564.1 826.4 539.6 - - - - - - -
Comisiones y Tarifas Pagadas (256.0) (234.6) (283.4) (142.2) (99.1) (69.7) (69.5) (61.3) (91.4) (89.3)
Resultado por Intermediación (20.8) 152.9 375.8 - - - - - - -
Otros Ingresos de la Operación 425.1 350.2 267.3 36.2 23.7 10.1 20.6 18.1 19.9 24.1
Gastos de Administración y Promoción (3,483.1) (3,417.5) (2,922.0) (1,138.1) (629.6) (484.1) (480.5) (465.6) (313.5) (280.0)
Resultado Operativo 2,508.8 2,165.5 2,187.5 1,722.3 1,475.3 1,053.3 633.4 481.7 215.5 214.4
Impuestos a la Utilidad (650.6) (528.3) (504.4) (421.6) (334.7) (241.6) (144.4) (102.5) (3.7) (29.5)
Utilidad antes de Participación en Asociadas 1,858.2 1,637.2 1,683.1 1,300.7 1,140.6 811.7 489.1 379.2 211.9 184.9
Participación en Utilidad de Asociadas y no Controladora 154.7 177.7 136.1 70.6 84.2 191.9 125.1 36.3 - -
Resultado Neto 2,012.9 1,815.0 1,819.2 1,371.4 1,224.8 1,003.6 614.1 415.5 211.9 184.9
Estado de Resultados
(USD Mn)
2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 523.5 435.2 337.5 247.2 225.7 208.2 161.2 137.1 98.1 73.4
Gastos por Intereses (163.2) (138.6) (92.9) (55.2) (59.8) (55.3) (50.5) (43.9) (31.1) (19.4)
Margen Financiero 360.3 293.6 244.5 192.0 165.9 153.0 110.7 93.2 67.0 54.0
Estimación Preventiva para Riesgos Crediticios (91.6) (68.3) (40.3) (20.0) (17.9) (30.9) (21.0) (22.2) (18.4) (11.2)
Margen Financiero Ajustado por Riesgos Crediticios 268.7 228.3 204.2 172.0 147.9 122.0 89.7 71.0 48.6 42.8
Comisiones y Tarifas Cobradas 28.7 42.0 26.2 - - - - - - -
Comisiones y Tarifas Pagadas (13.0) (11.9) (13.7) (8.2) (6.7) (5.3) (5.4) (4.4) (7.4) (6.8)
Resultado por Intermediación (1.1) 7.8 18.2 - - - - - - -
Otros Ingresos de la Operación 21.6 17.8 13.0 2.1 1.6 0.8 1.6 1.3 1.6 1.8
Gastos de Administración y Promoción (177.2) (173.8) (141.7) (66.0) (42.7) (37.0) (37.1) (33.4) (25.4) (21.4)
Resultado Operativo 127.7 110.1 106.1 99.9 100.1 80.5 48.9 34.5 17.5 16.4
Impuestos a la Utilidad (33.1) (26.9) (24.5) (24.4) (22.7) (18.5) (11.1) (7.3) (0.3) (2.3)
Utilidad antes de Participación en Asociadas 94.6 83.3 81.6 75.4 77.4 62.0 37.7 27.2 17.2 14.1
Participación en Utilidad de Asociadas y no Controladora 7.9 9.0 6.6 4.1 5.7 14.7 9.6 2.6 - -
Resultado Neto 102.4 92.3 88.2 79.5 83.1 76.7 47.4 29.8 17.2 14.1

Razones financieras 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 30.2% 32.6% 31.0% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 20.8% 22.2% 22.5% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 7.6% 6.3% 5.7% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 5.0% 4.5% 4.2% 6.0% 6.6% - - -
ROAE 12.9% 15.9% 20.2% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 17.8% 17.6% - - - - - -
Índice Deuda / Capital 1.9 1.6 2.7 2.6 2.5 2.3 1.9 4.5
Índice Deuda/ Capital (Sin Bono Perpetuo) 2.6 2.2 - - - - - -
Costo promedio de la deuda 11.4% 11.6% 8.2% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 42.4% 49.7% 51.7% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 43.9% 50.9% 38.8% 38.1% 38.5% 41.8% 53.4% 26.5%
Índice de Capitalización (Sin Bono Perpetuo) 32.3% 36.4% - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 5.0% 4.6% 3.5% 2.0% 1.9% 3.9% 4.1% 5.6%
Índice de Cobertura 172.9% 176.4% 148.4% 116.7% 161.2% 128.2% 132.2% 119.7%
NPL 1.7% 2.1% 2.2% 2.4% 1.9% 1.5% 1.6% 2.0%
Razones financieras 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 30.2% 32.6% 31.0% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 20.8% 22.2% 22.5% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 7.6% 6.3% 5.7% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 5.0% 4.5% 4.2% 6.0% 6.6% - - -
ROAE 12.9% 15.9% 20.2% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 17.8% 17.6% - - - - - -
Índice Deuda / Capital 1.9 1.6 2.7 2.6 2.5 2.3 1.9 4.5
Índice Deuda/ Capital (Sin Bono Perpetuo) 2.6 2.2 - - - - - -
Costo promedio de la deuda 11.4% 11.6% 8.2% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 42.4% 49.7% 51.7% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 43.9% 50.9% 38.8% 38.1% 38.5% 41.8% 53.4% 26.5%
Índice de Capitalización (Sin Bono Perpetuo) 32.3% 36.4% - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 5.0% 4.6% 3.5% 2.0% 1.9% 3.9% 4.1% 5.6%
Índice de Cobertura 172.9% 176.4% 148.4% 116.7% 161.2% 128.2% 132.2% 119.7%
NPL 1.7% 2.1% 2.2% 2.4% 1.9% 1.5% 1.6% 2.0%
Balance General (Ps. Millones) 1T19 4T18 3T18 2T18 1T18 4T17 3T17 2T17 1T17 4T16 3T16 2T16 1T16 4T15 3T15 2T15 1T15 4T14 3T14 2T14 1T14 4T13 3T13 2T13 1T13 4T12 3T12 2T12 1T12
Activos:
Disponibilidades 410.4 575.7 459.7 420.8 345.9 810.6 580.2 732.3 455.6 315.8 524.3 172.3 918.7 120.8 428.5 23.1 93.1 53.8 97.1 162.7 101.8 126.9 81.8 95.5 119.4 85.2 83.2 66.4 68.1
Inversiones en Valores 1,120.6 940.9 997.7 781.8 1,004.6 529.8 740.9 144.6 714.9 992.7 3,204.0 286.4 234.1 543.3 276.5 791.0 772.2 1,251.2 821.6 898.3 2,110.9 646.2 209.4 191.6 362.0 346.8 819.7 153.8 285.7
Operación con valores y derivados 83.2 1,028.0 - 1,064.7 776.6 1,920.9 0.0 194.8 276.0 2,466.9 1,504.4 2,725.1 1,901.4 2,112.8 1,938.3 1,488.7 1,180.6 950.3 197.1 40.2 14.7 230.1 320.8 195.5 135.8 241.5 300.4 313.2 257.7
Cartera de Crédito Vigente 37,648.3 35,701.6 34,210.1 33,029.4 30,768.3 28,409.8 26,054.7 24,644.2 23,717.3 23,410.0 22,223.8 21,676.5 20,181.8 17,193.6 15,985.4 14,482.6 13,964.3 13,544.3 13,161.1 12,263.0 10,928.3 10,265.0 9,039.1 8,162.9 7,000.4 6,625.6 6,356.8 5,607.0 5,447.0
Cartera de Crédito Vencida 629.1 617.6 736.3 630.7 587.6 605.2 623.2 543.1 516.7 517.0 564.6 516.2 553.6 416.1 331.4 307.7 316.0 260.6 248.1 180.6 166.4 158.5 152.1 135.5 129.1 106.9 89.4 110.5 105.7
Total de Cartera de Crédito 38,277.4 36,319.1 34,946.4 33,660.1 31,355.9 29,015.0 26,677.9 25,187.2 24,234.1 23,927.0 22,788.5 22,192.7 20,735.4 17,609.6 16,316.8 14,790.3 14,280.3 13,804.9 13,409.2 12,443.6 11,094.7 10,423.5 9,191.2 8,298.4 7,129.6 6,732.5 6,446.2 5,717.5 5,552.7
Estimación Preventiva Para Riesgos Crediticios (1,308.0) (1,067.9) (1,095.2) (1,138.5) (1,076.1) (1,067.5) (982.7) (919.9) (912.5) (767.5) (802.9) (825.6) (803.6) (485.5) (449.6) (391.7) (454.2) (420.1) (414.4) (395.0) (225.7) (203.2) (174.0) (155.9) (138.8) (141.3) (116.1) (135.3) (123.4)
Cartera de Crédito Neta 36,969.4 35,251.2 33,851.2 32,521.6 30,279.8 27,947.5 25,695.2 24,267.3 23,321.6 23,159.6 21,985.5 21,367.1 19,931.8 17,124.1 15,867.2 14,398.6 13,826.1 13,384.8 12,994.8 12,048.6 10,869.0 10,220.3 9,017.2 8,142.5 6,990.7 6,591.2 6,330.1 5,582.2 5,429.3
Otras cuentas por Cobrar 5,412.9 5,378.8 5,486.3 4,998.9 4,688.8 4,629.7 3,839.2 3,826.4 3,828.2 3,577.3 3,941.2 3,368.5 3,002.0 2,258.9 1,765.3 1,946.0 1,624.0 1,156.2 1,907.1 1,933.9 2,351.9 2,390.4 2,325.4 2,413.0 2,705.3 2,504.3 1,928.5 1,907.2 1,756.0
Bienes Adjudicados 18.2 10.4 - - - 3.3 9.7 - - 28.0 - - -
Mobiliario y Equipo 767.0 341.5 353.0 324.6 327.6 342.2 348.5 248.9 257.1 262.1 257.1 251.0 235.4 149.1 118.5 119.0 75.9 85.5 34.3 29.3 26.4 22.9 21.4 20.2 19.7 17.8 16.5 13.5 14.0
Inversiones en Acciones 1,166.0 1,193.4 1,145.1 1,040.5 1,275.9 1,265.3 1,021.0 1,085.4 990.2 1,057.8 907.4 891.2 863.0 835.6 812.4 792.6 827.1 859.0 792.7 767.6 781.9 786.0 762.0 711.6 821.4 752.5 392.0 372.6 382.0
Impuestos Diferidos - - - - - 329.8 - - - - - - - - - - - - - - - - - - - - - - -
Otros Activos 4,891.5 4,842.5 4,730.8 4,583.3 4,132.8 4,128.7 4,205.7 4,119.1 4,035.2 4,055.2 4,006.3 4,019.3 3,871.7 2,850.8 2,190.8 2,120.3 2,152.6 2,174.7 802.4 819.3 655.9 677.2 592.4 584.8 460.0 425.9 175.9 165.3 164.4
Total Activo 50,839.2 49,562.5 47,023.8 45,736.1 42,832.0 41,907.7 36,430.8 34,618.9 33,878.9 35,915.4 36,330.3 33,080.8 30,958.1 25,995.5 23,397.5 21,679.3 20,551.6 19,915.5 17,647.2 16,699.8 16,912.5 15,100.0 13,330.4 12,354.8 11,614.3 10,965.3 10,046.1 8,574.0 8,357.3
Pasivos:
Pasivos Bursátiles 1,415.0 1,463.5 850.9 - - 1,000.0 3,463.1 3,007.1 2,554.7 2,759.2 4,407.2 4,935.0 4,385.4 3,610.4 3,009.5 2,911.9 2,777.7 2,571.9 2,014.1 1,713.8 1,760.0 3,041.8 2,775.4 2,360.2 2,188.7 1,751.0 2,310.4 1,689.0 1,844.7
Pasivos Bursátiles (Senior Notes) 21,176.2 17,018.8 15,446.0 17,328.0 18,103.7 13,543.9 11,583.9 11,913.7 11,922.9 14,129.3 13,513.7 7,913.4 6,582.8 7,334.6 7,155.6 6,738.2 6,789.7 6,561.0 5,685.2 5,549.1 5,443.6 2,829.6 2,907.1 2,809.6 2,746.3 2,814.4 2,892.9 2,927.4 2,868.4
Préstamos Bancarios de Corto Plazo 5,111.0 7,359.7 6,851.8 6,891.4 1,216.4 2,927.9 3,401.5 56.7 4,749.7 5,051.7 3,414.7 4,897.6 4,676.5 3,490.5 1,096.6 813.5 965.1 1,120.3 2,047.4 2,175.9 2,037.6 1,950.1 1,014.9 1,121.3 1,175.6 1,562.4 1,633.5 1,435.5 1,168.4
Préstamos Bancarios de Largo Plazo 3,966.6 4,804.7 4,716.9 3,261.2 4,913.0 6,112.8 6,244.3 8,173.5 3,687.2 2,648.3 3,678.3 5,042.3 5,916.9 3,008.4 4,129.9 3,757.5 2,870.0 3,140.8 1,806.5 1,584.4 2,056.4 2,130.8 1,694.7 1,437.6 1,130.3 719.6 832.0 458.2 571.4
Total de Créditos Bancarios 9,077.6 12,164.4 11,568.7 10,152.7 6,129.4 9,040.6 9,645.8 8,230.2 8,436.9 7,700.1 7,093.0 9,939.8 10,593.4 6,498.9 5,226.5 4,571.0 3,835.1 4,261.1 3,853.9 3,760.3 4,094.0 4,080.9 2,709.6 2,558.9 2,305.9 2,282.0 2,465.5 1,893.7 1,739.9
Total de la Deuda 31,668.8 30,646.7 27,865.6 27,480.7 24,233.1 23,722.1 24,692.7 23,151.0 22,914.5 24,588.5 25,013.9 22,788.3 21,561.6 17,443.9 15,391.6 14,221.1 13,402.5 13,394.0 11,553.2 11,023.3 11,297.6 9,952.2 8,392.1 7,728.7 7,240.8 6,847.3 7,668.8 6,510.1 6,452.9
Otras cuentas por pagar 3,126.4 2,980.2 3,850.8 3,237.2 4,177.0 3,417.2 2,349.2 2,461.5 2,227.6 2,049.5 2,359.6 2,108.2 1,840.4 1,839.1 1,674.3 1,471.9 1,489.6 1,164.3 1,051.9 918.8 957.0 794.9 673.1 632.0 606.4 521.5 472.2 343.3 308.6
Total Pasivo 34,795.2 33,626.9 31,716.3 30,717.9 28,410.0 27,139.4 27,041.9 25,612.5 25,142.1 26,638.0 27,373.5 24,896.5 23,402.0 19,283.0 17,065.9 15,693.0 14,892.1 14,558.3 12,605.2 11,942.1 12,254.6 10,747.1 9,065.2 8,360.7 7,847.2 7,368.9 8,141.0 6,853.4 6,761.6
Capital Contable:
Capital Social 1,845.9 2,067.7 2,142.6 2,123.6 2,131.0 2,122.8 2,130.8 2,074.5 2,102.2 2,110.4 2,114.4 2,114.5 2,113.8 2,108.1 2,109.2 2,110.4 2,135.2 2,135.2 2,056.4 2,033.9 2,006.8 2,016.2 2,017.3 2,015.3 2,016.1 2,017.2 507.4 507.4 507.4
Bono Perpetuo 4,206.7 4,206.7 4,206.7 4,206.7 4,206.7 4,206.7 - - - - - - - - - - - - - - - - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 8,654.1 6,698.8 6,978.1 6,997.1 7,225.0 5,575.5 5,543.9 5,603.0 5,655.5 4,378.6 4,448.4 4,435.7 4,436.9 3,035.2 3,191.4 3,203.8 3,186.7 1,977.7 2,087.1 2,109.1 2,329.7 1,326.1 1,523.0 1,525.6 1,530.6 935.8 952.9 952.9 952.9
Resultado de Valuación de Instrumentos de Cobertura (137.9) 128.6 (161.1) (31.4) (181.1) 359.7 (17.5) 38.8 112.5 229.4 279.5 208.1 107.3 89.3 21.8 4.3 4.5 5.5 8.1 10.5 2.1 7.0 14.8 - 0.6 29.3 7.7 - -
Ajustes por Conversión Cambiaria (85.2) (30.1) (118.3) 12.0 (137.6) 93.7 (109.3) (89.6) (113.6) 167.6 112.3 50.7 (32.5) - - - - - - - - - - - - - - - -
Participación Controladora 935.8 908.5 872.1 828.4 755.3 748.9 618.8 560.5 583.6 677.2 633.4 594.3 524.4 108.6 9.9 9.9 8.9 14.0 11.0 7.1 5.3 - - - - - - - -
Resultado Neto 624.6 1,955.4 1,387.3 881.8 422.7 1,661.1 1,222.1 819.1 396.5 1,714.0 1,368.7 781.1 406.2 1,371.4 999.4 657.8 324.2 1,224.8 879.5 597.1 314.0 1,003.6 710.1 453.2 219.8 614.1 437.1 260.3 135.3
Total Capital Contable 16,044.0 15,935.6 15,307.4 15,018.3 14,422.0 14,768.4 9,388.8 9,006.3 8,736.8 9,277.4 8,956.8 8,184.3 7,556.2 6,712.5 6,331.6 5,986.3 5,659.5 5,357.2 5,042.0 4,757.8 4,657.9 4,352.9 4,265.2 3,994.1 3,767.1 3,596.4 1,905.2 1,720.7 1,595.7
Total Pasivo y Capital Contable 50,839.2 49,562.5 47,023.8 45,736.1 42,832.0 41,907.7 36,430.8 34,618.9 33,878.9 35,915.4 36,330.3 33,080.8 30,958.1 25,995.5 23,397.5 21,679.3 20,551.6 19,915.5 17,647.2 16,699.8 16,912.5 15,100.0 13,330.4 12,354.8 11,614.3 10,965.3 10,046.2 8,574.0 8,357.3
Balance General (USD Millones) 1T19 4T18 3T18 2T18 1T18 4T17 3T17 2T17 1T17 4T16 3T16 2T16 1T16 4T15 3T15 2T15 1T15 4T14 3T14 2T14 1T14 4T13 3T13 2T13 1T13 4T12 3T12 2T12 1T12
Activos:
Disponibilidades 21.2 29.3 24.6 21.4 18.9 41.2 32.0 40.5 24.2 15.3 27.1 9.3 53.3 7.0 25.3 1.5 6.1 3.6 7.2 12.5 7.8 9.7 6.2 7.3 9.7 6.6 6.5 5.0 5.3
Inversiones en Valores 57.8 47.9 53.3 39.7 55.0 26.9 40.8 8.0 38.0 48.1 165.3 15.5 13.6 31.5 16.4 50.4 50.6 84.9 61.2 69.3 161.7 49.4 15.9 14.7 29.3 26.7 63.7 11.5 22.3
Operación con valores y derivados 4.3 52.3 - 54.1 42.5 97.7 0.0 10.8 14.7 119.6 77.6 147.6 110.3 122.5 114.7 94.9 77.3 64.5 14.7 3.1 1.1 17.6 24.3 15.0 11.0 18.6 23.3 23.4 20.1
Cartera de Crédito Vigente 1,942.8 1,816.8 1,827.2 1,677.4 1,684.0 1,444.8 1,434.8 1,364.4 1,261.9 1,135.3 1,146.9 1,173.9 1,170.8 996.8 945.6 923.3 914.8 918.8 979.8 945.4 837.1 784.5 686.1 626.6 566.3 511.0 493.9 418.2 425.2
Cartera de Crédito Vencida 32.5 31.4 39.3 32.0 32.2 30.8 34.3 30.1 27.5 25.1 29.1 28.0 32.1 24.1 19.6 19.6 20.7 17.7 18.5 13.9 12.7 12.1 11.5 10.4 10.4 8.2 6.9 8.2 8.3
Total de Cartera de Crédito 1,975.3 1,848.2 1,866.5 1,709.4 1,716.2 1,475.6 1,469.1 1,394.4 1,289.4 1,160.4 1,176.0 1,201.9 1,203.0 1,020.9 965.2 942.9 935.5 936.5 998.2 959.3 849.8 796.6 697.6 637.0 576.8 519.3 500.9 426.4 433.5
Estimación Preventiva Para Riesgos Crediticios (67.5) (54.3) (58.5) (57.8) (58.9) (54.3) (54.1) (50.9) (48.5) (37.2) (41.4) (44.7) (46.6) (28.1) (26.6) (25.0) (29.8) (28.5) (30.8) (30.5) (17.3) (15.5) (13.2) (12.0) (11.2) (10.9) (9.0) (10.1) (9.6)
Cartera de Crédito Neta 1,907.8 1,793.8 1,808.0 1,651.6 1,657.3 1,421.3 1,415.0 1,343.5 1,240.8 1,123.2 1,134.6 1,157.2 1,156.3 992.8 938.6 918.0 905.8 908.0 967.4 928.9 832.6 781.1 684.4 625.0 565.5 508.4 491.9 416.3 423.9
Otras cuentas por Cobrar 279.3 273.7 293.0 253.9 256.6 235.5 211.4 211.8 203.7 173.5 203.4 182.4 174.2 131.0 104.4 124.1 106.4 78.4 142.0 149.1 180.2 182.7 176.5 185.2 218.9 193.1 149.9 142.2 137.1
Bienes Adjudicados 0.9 0.5 - - - 0.2 0.5 - - 1.4 - - -
Mobiliario y Equipo 39.6 17.4 18.9 16.5 17.9 17.4 19.2 13.8 13.7 12.7 13.3 13.6 13.7 8.6 7.0 7.6 5.0 5.8 2.6 2.3 2.0 1.8 1.6 1.6 1.6 1.4 1.3 1.0 1.1
Inversiones en Acciones 60.2 60.7 61.2 52.8 69.8 64.4 56.2 60.1 52.7 51.3 46.8 48.3 50.1 48.4 48.1 50.5 54.2 58.3 59.0 59.2 59.9 60.1 57.8 54.6 66.4 58.0 30.5 27.8 29.8
Impuestos Diferidos - - - - - 16.8 - - - - - - - - - - - - - - - - - - - - - - -
Otros Activos 252.4 246.4 252.7 232.8 226.2 210.0 231.6 228.0 214.7 196.7 206.7 217.7 224.6 165.3 129.6 135.2 141.0 147.5 59.7 63.2 50.2 51.8 45.0 44.9 37.2 32.8 13.7 12.3 12.8
Total Activo 2,623.6 2,522.1 2,511.5 2,322.7 2,344.3 2,131.3 2,006.2 1,916.6 1,802.5 1,741.8 1,874.9 1,791.6 1,796.0 1,507.1 1,384.0 1,382.1 1,346.3 1,351.0 1,313.7 1,287.5 1,295.5 1,154.1 1,011.8 948.3 939.6 845.7 780.6 639.4 652.4
Pasivos:
Pasivos Bursátiles 73.0 74.5 45.4 - - 50.9 190.7 166.5 135.9 133.8 227.4 267.3 254.4 209.3 178.0 185.6 182.0 174.5 149.9 132.1 134.8 232.5 210.7 181.2 177.1 135.0 179.5 126.0 144.0
Pasivos Bursátiles (Senior Notes) 1,092.8 866.0 825.0 880.0 990.8 688.8 637.9 659.6 634.3 685.2 697.4 428.6 381.9 425.2 423.3 429.6 444.8 445.1 423.2 427.8 417.0 216.3 220.7 215.7 222.2 217.1 224.8 218.3 223.9
Préstamos Bancarios de Corto Plazo 263.8 374.5 366.0 350.0 66.6 148.9 187.3 3.1 252.7 245.0 176.2 265.2 271.3 202.4 64.9 51.9 63.2 76.0 152.4 167.7 156.1 149.0 77.0 86.1 95.1 120.5 126.9 107.1 91.2
Préstamos Bancarios de Largo Plazo 204.7 244.5 251.9 165.6 268.9 310.9 343.9 452.5 196.2 128.4 189.8 273.1 343.3 174.4 244.3 239.6 188.0 213.1 134.5 122.1 157.5 162.9 128.6 110.3 91.4 55.5 64.6 34.2 44.6
Total de Créditos Bancarios 468.5 619.0 617.9 515.6 335.5 459.8 531.2 455.6 448.9 373.4 366.0 538.3 614.6 376.8 309.2 291.4 251.2 289.1 286.9 289.9 313.6 311.9 205.7 196.4 186.5 176.0 191.6 141.2 135.8
Total de la Deuda 1,634.3 1,559.5 1,488.3 1,395.6 1,326.3 1,206.4 1,359.8 1,281.7 1,219.1 1,192.5 1,290.9 1,234.2 1,250.9 1,011.3 910.5 906.6 878.0 908.6 860.1 849.8 865.4 760.6 637.0 593.2 585.8 528.1 595.9 485.5 503.8
Otras cuentas por pagar 161.3 151.7 205.7 164.4 228.6 173.8 129.4 136.3 118.5 99.4 121.8 114.2 106.8 106.6 99.0 93.8 97.6 79.0 78.3 70.8 73.3 60.8 51.1 48.5 49.1 40.2 36.7 25.6 24.1
Total Pasivo 1,795.6 1,711.2 1,694.0 1,560.0 1,554.9 1,380.2 1,489.2 1,418.0 1,337.7 1,291.9 1,412.6 1,348.3 1,357.7 1,117.9 1,009.5 1,000.5 975.6 987.6 938.4 920.7 938.7 821.4 688.1 641.8 634.8 568.3 632.6 511.1 527.9
Capital Contable:
Capital Social 95.3 105.2 114.4 107.8 116.6 108.0 117.3 114.4 111.8 102.4 109.1 114.5 122.6 122.2 124.8 134.5 139.9 144.8 153.1 156.8 153.7 154.1 153.1 154.7 163.1 155.6 39.4 37.8 39.6
Bono Perpetuo 217.1 214.1 224.7 213.6 230.2 213.9 - - - - - - - - - - - - - - - - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 446.6 340.9 372.7 355.3 395.4 283.6 305.3 310.2 300.9 212.4 229.6 240.2 257.4 176.0 188.8 204.3 208.8 134.2 155.4 162.6 178.5 101.4 115.6 117.1 123.8 72.2 74.0 71.1 74.4
Resultado de Valuación de Instrumentos de Cobertura (7.1) 6.5 (8.6) (1.6) (9.9) 18.3 (1.0) 2.1 6.0 11.1 14.4 11.3 6.2 5.2 1.3 0.3 0.3 0.4 0.6 0.8 0.2 0.5 1.1 - 0.0 2.3 0.6 - -
Ajustes por Conversión Cambiaria (4.4) (1.5) (6.3) 0.6 (7.5) 4.8 (6.0) (5.0) (6.0) 8.1 5.8 2.7 (1.9) - - - - - - - - - - - - - - - -
Participación Controladora 48.3 46.2 46.6 42.1 41.3 38.1 34.1 31.0 31.0 32.8 32.7 32.2 30.4 6.3 0.6 0.6 0.6 0.9 0.8 0.5 0.4 - - - - - - - -
Resultado Neto 32.2 99.5 74.1 44.8 23.1 84.5 67.3 45.4 21.1 83.1 70.6 42.3 23.6 79.5 59.1 41.9 21.2 83.1 65.5 46.0 24.1 76.7 53.9 34.8 17.8 47.4 34.0 19.4 10.6
Total Capital Contable 828.0 810.9 817.6 762.7 789.3 751.1 517.0 498.6 464.8 449.9 462.2 443.2 438.4 389.2 374.5 381.6 370.8 363.4 375.3 366.8 356.8 332.7 323.7 306.6 304.8 277.4 148.0 128.3 124.6
Total Pasivo y Capital Contable 2,623.6 2,522.1 2,511.5 2,322.7 2,344.3 2,131.3 2,006.2 1,916.6 1,802.5 1,741.8 1,874.9 1,791.6 1,796.0 1,507.1 1,384.0 1,382.1 1,346.3 1,351.0 1,313.7 1,287.5 1,295.5 1,154.1 1,011.8 948.3 939.6 845.7 780.6 639.4 652.4
Estado de Resultados
(Ps. Millones)
1T19 4T18 3T18 2T18 1T18 4T17 3T17 2T17 1T17 4T16 3T16 2T16 1T16 4T15 3T15 2T15 1T15 4T14 3T14 2T14 1T14 4T13 3T13 2T13 1T13 4T12 3T12 2T12 1T12
Ingresos por Intereses 2,830.4 2,821.9 2,562.0 2,593.9 2,309.8 2,394.0 2,065.8 1,987.6 2,015.4 1,839.2 2,125.0 1,654.7 1,339.3 1,245.3 1,099.7 976.2 943.0 995.3 759.6 772.8 799.4 783.5 697.9 630.2 613.0 559.5 530.4 491.9 508.6
Gastos por Intereses (1,065.8) (778.5) (833.0) (856.1) (739.8) (766.2) (669.5) 655.4 (599.2) (599.8) (570.9) (422.9) (322.8) (252.1) (235.3) (240.3) (224.6) (218.7) (218.7) (239.0) (205.8) (196.9) (182.5) (174.2) (169.5) (175.6) (166.3) (157.3) (155.6)
Margen Financiero 1,764.5 2,043.4 1,728.9 1,737.8 1,570.1 1,627.8 1,396.3 1,332.2 1,416.2 1,239.3 1,554.1 1,231.8 1,016.5 993.2 864.4 735.9 718.4 776.6 540.9 533.7 593.6 586.6 515.4 455.9 443.5 383.9 364.1 334.6 353.0
Estimación Preventiva para Riesgos Crediticios (385.7) (452.4) (472.0) (454.8) (421.4) (391.2) (354.9) (281.5) (315.5) 290.1 (286.1) (208.0) (47.5) (110.5) (98.8) (58.8) (77.6) (91.0) (53.0) (49.9) (70.7) (106.0) (112.7) (107.2) (78.7) (89.2) (31.7) (74.8) (77.1)
Margen Financiero Ajustado por Riesgos Crediticios 1,378.8 1,591.0 1,256.9 1,283.0 1,148.6 1,236.6 1,041.4 1,050.7 1,100.7 949.2 1,268.0 1,023.8 969.2 882.7 765.6 677.1 640.8 685.6 487.9 483.9 522.9 480.6 402.7 348.8 364.8 294.7 332.4 259.8 275.9
Comisiones y Tarifas Cobradas 134.8 0.2 188.2 193.7 182.1 227.2 186.8 209.3 203.1 146.5 138.4 106.8 147.9 - - - - - - - - - - - - - - - -
Comisiones y Tarifas Pagadas (85.6) (78.2) (55.9) (54.1) (67.8) (60.3) (54.6) (56.1) (63.6) 13.8 (162.6) (76.0) (58.5) (27.9) (40.7) (50.6) (23.0) (29.7) (26.8) (26.9) (15.7) (18.1) (17.9) (17.6) (15.9) (16.6) (16.5) (15.6) (20.8)
Resultado por Intermediación 257.4 (101.9) 31.4 (34.0) 83.6 (1.6) 126.4 0.1 28.0 73.5 225.2 69.1 8.0 - - - (1.5) - - - - - - - - - - - -
Otros Ingresos de la Operación 79.5 94.4 157.6 110.3 62.9 143.8 81.2 85.4 98.5 (50.2) 103.7 160.5 53.3 15.1 5.2 3.5 14.0 2.2 5.4 9.5 6.6 1.8 2.3 2.6 3.4 5.2 5.2 4.8 5.4
Gastos de Administración y Promoción (854.1) (778.7) (941.4) (906.8) (856.3) (997.8) (806.1) (781.0) (832.6) (806.5) (805.1) (746.6) (563.8) (395.9) (283.4) (221.6) (237.2) (241.5) (130.2) (132.2) (125.7) (120.9) (122.5) (121.2) (119.5) (129.0) (115.3) (127.6) (108.7)
Resultado Operativo 910.9 726.8 636.8 592.0 553.1 548.0 575.1 508.4 534.1 326.3 767.6 537.6 556.1 474.1 446.7 408.4 393.1 416.6 336.3 334.3 388.1 343.4 264.5 212.5 232.8 154.4 205.8 121.4 151.8
Impuestos a la Utilidad (265.1) (213.1) (156.4) (151.9) (129.3) (130.3) 159.3 89.4 (149.3) (12.3) (210.6) (148.9) (132.7) (122.7) (122.1) (91.9) (84.9) (91.5) (73.3) (75.6) (94.3) (87.6) (58.1) (40.1) (55.9) (42.5) (48.7) (18.7) (34.5)
Utilidad antes de Participación en Asociadas 645.8 513.8 480.4 440.2 423.9 417.7 415.8 419.0 384.7 314.0 557.0 388.7 423.4 351.4 324.5 316.5 308.2 325.1 263.0 258.7 293.9 255.8 206.4 172.5 176.9 111.9 157.1 102.8 117.3
Participación en Utilidad de Asociadas y no Controladora (21.2) 111.9 25.0 19.0 (1.2) 21.3 (12.8) 3.6 11.8 31.3 30.6 (13.8) (17.1) 20.5 15.1 16.6 18.5 20.2 19.4 24.5 20.1 37.8 50.4 61.0 42.9 65.2 19.8 22.2 18.0
Resultado Neto 624.6 625.6 505.4 459.2 422.7 439.0 403.0 422.6 396.5 345.3 587.6 374.9 406.2 371.9 339.7 333.1 326.7 345.3 282.3 283.1 314.0 293.6 256.8 233.4 219.8 177.0 176.8 125.0 135.3
Estado de Resultados
(USD Millones)
1T19 4T18 3T18 2T18 1T18 4T17 3T17 2T17 1T17 4T16 3T16 2T16 1T16 4T15 3T15 2T15 1T15 4T14 3T14 2T14 1T14 4T13 3T13 2T13 1T13 4T12 3T12 2T12 1T12
Ingresos por Intereses 146.1 143.6 136.8 131.7 126.4 121.8 113.8 110.0 107.2 89.2 109.7 89.6 77.7 72.2 65.1 62.2 61.8 67.5 56.5 59.6 61.2 59.9 53.0 48.4 49.6 43.2 41.2 36.7 39.7
Gastos por Intereses (55.0) (39.6) (44.5) (43.5) (40.5) (39.0) (36.9) 36.3 (31.9) (29.1) (29.5) (22.9) (18.7) (14.6) (13.9) (15.3) (14.7) (14.8) (16.3) (18.4) (15.8) (15.0) (13.9) (13.4) (13.7) (13.5) (12.9) (11.7) (12.1)
Margen Financiero 91.1 104.0 92.3 88.3 85.9 82.8 76.9 73.8 75.3 60.1 80.2 66.7 59.0 57.6 51.1 46.9 47.1 52.7 40.3 41.1 45.5 44.8 39.1 35.0 35.9 29.6 28.3 25.0 27.6
Estimación Preventiva para Riesgos Crediticios (19.9) (23.0) (25.2) (23.1) (23.1) (19.9) (19.5) (15.6) (16.8) 14.1 (14.8) (11.3) (2.8) (6.4) (5.8) (3.7) (5.1) (6.2) (3.9) (3.8) (5.4) (8.1) (8.6) (8.2) (6.4) (6.9) (2.5) (5.6) (6.0)
Margen Financiero Ajustado por Riesgos Crediticios 71.2 81.0 67.1 65.2 62.9 62.9 57.3 58.2 58.6 46.0 65.4 55.4 56.2 51.2 45.3 43.2 42.0 46.5 36.3 37.3 40.1 36.7 30.6 26.8 29.5 22.7 25.8 19.4 21.5
Comisiones y Tarifas Cobradas 7.0 0.0 10.1 9.8 10.0 11.6 10.3 11.6 10.8 7.1 7.1 5.8 8.6 - - - - - - - - - - - - - - - -
Comisiones y Tarifas Pagadas (4.4) (4.0) (3.0) (2.7) (3.7) (3.1) (3.0) (3.1) (3.4) 0.7 (8.4) (4.1) (3.4) (1.6) (2.4) (3.2) (1.5) (2.0) (2.0) (2.1) (1.2) (1.4) (1.4) (1.4) (1.3) (1.3) (1.3) (1.2) (1.6)
Resultado por Intermediación 13.3 (5.2) 1.7 (1.7) 4.6 (0.1) 7.0 0.0 1.5 3.6 11.6 3.7 0.5 - - - (0.1) - - - - - - - - - - - -
Otros Ingresos de la Operación 4.1 4.8 8.4 5.6 3.4 7.3 4.5 4.7 5.2 (2.4) 5.4 8.7 3.1 0.9 0.3 0.2 0.9 0.1 0.4 0.7 0.5 0.1 0.2 0.2 0.3 0.4 0.4 0.4 0.4
Gastos de Administración y Promoción (44.1) (39.6) (50.3) (46.1) (46.9) (50.7) (44.4) (43.2) (44.3) (39.1) (41.5) (40.4) (32.7) (23.0) (16.8) (14.1) (15.5) (16.4) (9.7) (10.2) (9.6) (9.2) (9.3) (9.3) (9.7) (9.9) (9.0) (9.5) (8.5)
Resultado Operativo 47.0 37.0 34.0 30.1 30.3 27.9 31.7 28.1 28.4 15.8 39.6 29.1 32.3 27.5 26.4 26.0 25.8 28.3 25.0 25.8 29.7 26.2 20.1 16.3 18.8 11.9 16.0 9.1 11.9
Impuestos a la Utilidad (13.7) (10.8) (8.4) (7.7) (7.1) (6.6) 8.8 4.9 (7.9) (0.6) (10.9) (8.1) (7.7) (7.1) (7.2) (5.9) (5.6) (6.2) (5.5) (5.8) (7.2) (6.7) (4.4) (3.1) (4.5) (3.3) (3.8) (1.4) (2.7)
Utilidad antes de Participación en Asociadas 33.3 26.1 25.7 22.4 23.2 21.2 22.9 23.2 20.5 15.2 28.7 21.1 24.6 20.4 19.2 20.2 20.2 22.1 19.6 19.9 22.5 19.6 15.7 13.2 14.3 8.6 12.2 7.7 9.2
Participación en Utilidad de Asociadas y no Controladora (1.1) 5.7 1.3 1.0 (0.1) 1.1 (0.7) 0.2 0.6 1.5 1.6 (0.7) (1.0) 1.2 0.9 1.1 1.2 1.4 1.4 1.9 1.5 2.9 3.8 4.7 3.5 5.0 1.5 1.7 1.4
Resultado Neto 32.2 31.8 27.0 23.3 23.1 22.3 22.2 23.4 21.1 16.7 30.3 20.3 23.6 21.6 20.1 21.2 21.4 23.4 21.0 21.8 24.1 22.4 19.5 17.9 17.8 13.7 13.7 9.3 10.6
Razones financieras 1T19 4T18 3T18 2T18 1T18 4T17 3T17 2T17 1T17 4T16 3T16 2T16 1T16 4T15 3T15 2T15 1T15 4T14 3T14 2T14 1T14 4T13 3T13 2T13 1T13 4T12 3T12 2T12 1T12
Tasa de Rentabilidad 30.4% 30.7% 29.9% 31.9% 30.6% 34.4% 31.9% 32.2% 33.5% 31.5% 32.6% 30.8% 27.9% 29.4% 28.3% 26.9% 26.9% 29.3% 23.5% 26.3% 27.4% 32.0% 31.9% 32.7% 35.4% 34.0% 34.9% 34.9% 36.8%
Margen de Interés Neto 18.9% 22.9% 20.2% 21.4% 20.8% 23.4% 21.5% 21.6% 23.5% 21.2% 22.4% 23.0% 21.2% 23.4% 22.2% 20.3% 20.5% 22.8% - - - - - - - - - - -
Rendimiento sobre Cartera de Crédito Promedio 6.7% 6.4% 5.9% 5.6% 5.6% 6.3% 6.2% 6.8% 6.6% 5.9% 6.7% 7.0% 8.5% 8.8% 8.7% 9.2% 9.3% 10.2% 8.7% 9.6% 10.1% 12.0% 11.7% 12.1% 12.7% 10.7% 11.6% 8.9% 9.8%
ROAA 5.0% 4.7% 4.4% 4.1% 4.0% 4.5% 4.6% 4.9% 4.5% 3.8% 4.3% 4.7% 5.7% 6.0% 6.0% 6.3% 6.5% 7.4% - - - - - - - - - - -
ROAE 15.7% 14.6% 13.3% 12.5% 11.6% 14.5% 17.5% 19.1% 17.6% 15.1% 17.8% 19.1% 22.8% 22.8% 22.1% 22.9% 23.7% 26.6% 23.0% 24.1% 24.1% 27.3% 24.9% 24.1% 23.9% 25.7% 39.0% 30.1% 35.4%
ROAE (Sin Bono Perpetuo) 21.3% 20.0% 18.5% 17.5% 15.8% 17.6% 17.5% 19.1% 17.6% - - - - - - - - - - - - - - - - - - - -
Índice Deuda / Capital 2.0 1.9 1.8 1.8 1.7 1.6 2.6 2.6 2.6 2.7 2.9 2.8 2.9 2.6 2.4 2.4 2.4 2.5 2.3 2.3 2.5 2.3 2.0 1.9 1.9 1.9 4.0 3.8 4.0
Índice Deuda/ Capital (Sin Bono Perpetuo) 2.7 2.6 2.5 2.5 - - 2.6 2.6 - - - - - - - - - - - - - - - - - - - - -
Costo Promedio de la Deuda 13.7% 12.0% 12.0% 11.4% 10.5% 11.7% 11.2% 11.3% 10.1% 9.7% 9.6% 7.6% 6.6% 6.1% 6.4% 7.0% 6.7% 7.0% 7.7% 8.6% 7.7% 8.6% 9.1% 9.3% 9.6% 9.7% 9.4% 9.7% 9.5%
Índice de Eficiencia 42.0% 34.6% 45.4% 44.6% 46.7% 52.5% 49.0% 49.1% 49.9% 50.5% 48.2% 55.6% 45.1% 41.0% 34.4% 32.3% 34.1% 32.3% 25.3% 26.1% 24.4% 21.3% 24.6% 27.7% 27.9% 35.1% 33.2% 40.0% 32.7%
Índice de Capitalización 41.9% 43.5% 43.8% 44.6% 46.0% 50.9% 35.2% 35.8% 36.1% 38.8% 38.4% 36.9% 36.4% 38.1% 38.8% 40.5% 39.6% 38.8% 37.6% 38.2% 41.6% 41.8% 46.4% 48.1% 52.8% 53.4% 29.6% 30.1% 28.7%
Índice de Capitalización (Sin Bono Perpetuo) 30.9% 31.9% 31.8% 32.1% - - 35.2% 35.8% - - - - - - - - - - - - - - - - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 4.0% 5.0% 5.3% 5.4% 5.3% 5.4% 5.2% 4.6% 5.2% 5.4% 5.0% 3.7% 0.9% 2.5% 2.4% 1.6% 2.2% 2.6% 1.6% 1.6% 2.5% 4.1% 4.9% 5.2% 4.4% 5.3% 2.0% 5.2% 2.2%
Índice de Cobertura 207.9% 172.9% 148.8% 180.5% 183.1% 176.4% 157.7% 169.4% 176.6% 176.4% 142.2% 159.9% 145.2% 116.7% 135.7% 127.3% 143.7% 161.2% 167.0% 218.8% 135.6% 128.2% 114.3% 115.0% 107.5% 132.2% 129.8% 122.4% 116.8%
IMOR 1.6% 1.7% 2.1% 1.9% 1.9% 2.1% 2.3% 2.2% 2.1% 2.1% 2.5% 2.3% 2.7% 2.4% 2.0% 2.1% 2.2% 1.9% 1.9% 1.5% 1.5% 1.5% 1.7% 1.6% 1.8% 1.6% 1.4% 1.9% 1.9%
Razones financieras 1T19 4T18 3T18 2T18 1T18 4T17 3T17 2T17 1T17 4T16 3T16 2T16 1T16 4T15 3T15 2T15 1T15 4T14 3T14 2T14 1T14 4T13 3T13 2T13 1T13 4T12 3T12 2T12 1T12
Tasa de Rentabilidad 30.4% 30.7% 29.9% 31.9% 30.6% 34.4% 31.9% 32.2% 33.5% 31.5% 32.6% 30.8% 27.9% 29.4% 28.3% 26.9% 26.9% 29.3% 23.5% 26.3% 27.4% 32.0% 31.9% 32.7% 35.4% 34.0% 34.9% 34.9% 36.8%
Margen de Interés Neto 18.9% 22.9% 20.2% 21.4% 20.8% 23.4% 21.5% 21.6% 23.5% 21.2% 22.4% 23.0% 21.2% 23.4% 22.2% 20.3% 20.5% 22.8% - - - - - - - - - - -
Rendimiento sobre Cartera de Crédito Promedio 6.7% 6.4% 5.9% 5.6% 5.6% 6.3% 6.2% 6.8% 6.6% 5.9% 6.7% 7.0% 8.5% 8.8% 8.7% 9.2% 9.3% 10.2% 8.7% 9.6% 10.1% 12.0% 11.7% 12.1% 12.7% 10.7% 11.6% 8.9% 9.8%
ROAA 5.0% 4.7% 4.4% 4.1% 4.0% 4.5% 4.6% 4.9% 4.5% 3.8% 4.3% 4.7% 5.7% 6.0% 6.0% 6.3% 6.5% 7.4% - - - - - - - - - - -
ROAE 15.7% 14.6% 13.3% 12.5% 11.6% 14.5% 17.5% 19.1% 17.6% 15.1% 17.8% 19.1% 22.8% 22.8% 22.1% 22.9% 23.7% 26.6% 23.0% 24.1% 24.1% 27.3% 24.9% 24.1% 23.9% 25.7% 39.0% 30.1% 35.4%
ROAE (Sin Bono Perpetuo) 21.3% 20.0% 18.5% 17.5% 15.8% 17.6% 17.5% 19.1% 17.6% - - - - - - - - - - - - - - - - - - - -
Índice Deuda / Capital 2.0 1.9 1.8 1.8 1.7 1.6 2.6 2.6 2.6 2.7 2.9 2.8 2.9 2.6 2.4 2.4 2.4 2.5 2.3 2.3 2.5 2.3 2.0 1.9 1.9 1.9 4.0 3.8 4.0
Índice Deuda/ Capital (Sin Bono Perpetuo) 2.7 2.6 2.5 2.5 - - 2.6 2.6 - - - - - - - - - - - - - - - - - - - - -
Costo Promedio de la Deuda 13.7% 12.0% 12.0% 11.4% 10.5% 11.7% 11.2% 11.3% 10.1% 9.7% 9.6% 7.6% 6.6% 6.1% 6.4% 7.0% 6.7% 7.0% 7.7% 8.6% 7.7% 8.6% 9.1% 9.3% 9.6% 9.7% 9.4% 9.7% 9.5%
Índice de Eficiencia 42.0% 34.6% 45.4% 44.6% 46.7% 52.5% 49.0% 49.1% 49.9% 50.5% 48.2% 55.6% 45.1% 41.0% 34.4% 32.3% 34.1% 32.3% 25.3% 26.1% 24.4% 21.3% 24.6% 27.7% 27.9% 35.1% 33.2% 40.0% 32.7%
Índice de Capitalización 41.9% 43.5% 43.8% 44.6% 46.0% 50.9% 35.2% 35.8% 36.1% 38.8% 38.4% 36.9% 36.4% 38.1% 38.8% 40.5% 39.6% 38.8% 37.6% 38.2% 41.6% 41.8% 46.4% 48.1% 52.8% 53.4% 29.6% 30.1% 28.7%
Índice de Capitalización (Sin Bono Perpetuo) 30.9% 31.9% 31.8% 32.1% - - 35.2% 35.8% - - - - - - - - - - - - - - - - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 4.0% 5.0% 5.3% 5.4% 5.3% 5.4% 5.2% 4.6% 5.2% 5.4% 5.0% 3.7% 0.9% 2.5% 2.4% 1.6% 2.2% 2.6% 1.6% 1.6% 2.5% 4.1% 4.9% 5.2% 4.4% 5.3% 2.0% 5.2% 2.2%
Índice de Cobertura 207.9% 172.9% 148.8% 180.5% 183.1% 176.4% 157.7% 169.4% 176.6% 176.4% 142.2% 159.9% 145.2% 116.7% 135.7% 127.3% 143.7% 161.2% 167.0% 218.8% 135.6% 128.2% 114.3% 115.0% 107.5% 132.2% 129.8% 122.4% 116.8%
IMOR 1.6% 1.7% 2.1% 1.9% 1.9% 2.1% 2.3% 2.2% 2.1% 2.1% 2.5% 2.3% 2.7% 2.4% 2.0% 2.1% 2.2% 1.9% 1.9% 1.5% 1.5% 1.5% 1.7% 1.6% 1.8% 1.6% 1.4% 1.9% 1.9%