• Base de Datos Histórica

Balance General (Ps. Millones) 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 1,106.3 810.6 315.8 120.8 53.8 126.9 85.2 64.3 30.8 12.9
Inversiones en Valores 410.3 356.3 992.7 543.3 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 1,067.5 767.5 (485.5) (420.1) (203.2) (141.3) (130.5) (126.0) (69.6)
Otras cuentas por Cobrar 5,389.3 4,803.1 3,577.3 2,258.9 1,156.2 2,390.4 2,504.3 1,574.0 895.8 174.5
Bienes Adjudicados - 3.3 28.0
Mobiliario y Equipo 341.5 342.2 290.1 149.1 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 4,458.5 4,055.2 2,850.8 2,174.7 677.2 425.9 179.4 153.7 71.7
Total Activo 49,562.5 42,237.5 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 1,415.0 1,006.7 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) 17,084.2 13,537.1 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 7,342.9 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 12,147.6 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 23,584.5 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 3,106.9 3,884.6 2,049.5 1,839.1 1,164.3 794.9 521.5 256.3 127.7 77.0
Total Pasivo 33,753.6 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 6,572.1 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 15,808.8 14,768.4 9,277.4 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 42,237.5 35,915.4 25,995.5 19,915.5 15,100.0 10,965.3 8,352.7 5,176.9 3,853.2

Estado de Resultados
(Ps. Millones)
2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 10,201.1 8,462.9 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 (3,120.9) (2,690.3) (1,916.4) (952.3) (882.2) (723.1) (654.8) (612.8) (384.1) (253.8)
Margen Financiero 7,080.2 5,772.6 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 4,429.4 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 425.1 408.8 267.3 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 97.2 23.9 30.9 70.6 84.2 191.9 125.1 36.3 - -
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

Razones financieras 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 29.9% 32.2% 29.7% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 20.8% 22.0% 21.2% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 5.7% 6.3% 6.9% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 4.2% 4.5% 4.5% 6.0% 6.6% - - -
ROAE 12.9% 15.9% 18.4% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 17.9% - - - - - - -
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 - - - - - - -
Costo promedio de la deuda 11.1% 11.4% 8.1% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 42.4% 50.2% 52.1% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 43.5% 50.9% 38.1% 38.1% 38.5% 41.8% 53.4% 26.5%
Índice de Capitalización (Sin Bono Perpetuo) 31.9% - - - - - - -
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) 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 1,106.3 459.7 420.8 345.9 810.6 580.2 732.3 455.6 315.8 524.3 172.3 918.7 120.8 428.5 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 410.3 997.7 781.8 1,004.6 356.3 740.9 144.6 714.9 992.7 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 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 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 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 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 1,067.9 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 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 5,389.3 5,486.3 4,998.9 4,688.8 4,803.1 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 - - - - 3.3 9.7 - - 28.0 - - -
Mobiliario y Equipo 341.5 353.0 324.6 327.6 342.2 348.5 248.9 257.1 290.1 257.1 251.0 235.4 149.1 118.5 119.0 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 1,193.4 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 4,842.5 4,730.8 4,583.3 4,132.8 4,458.5 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 49,562.5 47,023.8 45,736.1 42,832.0 42,237.5 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 1,415.0 850.9 - - 1,006.7 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) 17,084.2 15,446.0 17,328.0 18,103.7 13,537.1 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 7,342.9 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 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 12,147.6 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 30,646.7 27,865.6 27,480.7 24,233.1 23,584.5 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 3,106.9 3,850.8 3,237.2 4,177.0 3,884.6 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 33,753.6 31,716.3 30,717.9 28,410.0 27,469.2 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 2,067.7 6,349.3 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 6,978.1 4,206.7 4,206.7 4,206.7 - - - - - - - - - - - - - - - - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 6,572.1 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 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 (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 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 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 15,808.8 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 49,562.5 47,023.8 45,736.1 42,832.0 42,237.5 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 - 8,574.0 8,357.3
Estado de Resultados
(Ps. Millones)
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 2,735.4 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 (692.0) (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 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 (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 1,591.0 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 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 (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 (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 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 (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 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 (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 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 54.3 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 568.1 505.4 459.2 422.7 439.0 403.0 422.6 396.5 345.3 587.6 374.9 406.2 371.9 339.7 333.1 326.7 345.3 282.3 283.1 314.0 293.6 256.8 233.4 219.8 177.0 176.8 125.0 135.3
Razones financieras 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 30.7% 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 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 6.4% 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 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 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) 20.0% 18.5% 17.5% 15.8% 17.6% 17.5% 19.1% 17.6% - - - - - - - - - - - - - - - - - - - -
Índice Deuda / Capital 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) 2.6 2.5 2.5 - - 2.6 2.6 - - - - - - - - - - - - - - - - - - - - -
Costo Promedio de la Deuda 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 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 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) 31.9% 31.8% 32.1% - - 35.2% 35.8% - - - - - - - - - - - - - - - - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 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 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 1.7% 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%