| Balance General (MXN Mn) | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Activos: | |||||||||||||
| Disponibilidades | 616.6 | 1,097.4 | 1,180.9 | 1,106.3 | 810.6 | 315.8 | 120.8 | 53.8 | 126.9 | 85.2 | 64.3 | 30.8 | 12.9 |
| Inversiones en Valores | 749.2 | 1,091.7 | 1,294.4 | 410.3 | 529.8 | 992.7 | 543.3 | 1,251.2 | 646.2 | 346.8 | 253.6 | 445.0 | 253.3 |
| Operación con valores y derivados | 3,303.1 | 1,964.5 | 0.0 | 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 | 49,915.8 | 45,920.8 | 46,325.7 | 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 | 1,257.1 | 1,589.1 | 632.7 | 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 | 51,172.9 | 47,509.9 | 46,958.4 | 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 | (2,626.5) | (2,031.6) | (1,390.0) | (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 | 48,546.4 | 45,478.3 | 45,568.4 | 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 |
| Cartera de factoraje | - | 783.4 | 162.8 | ||||||||||
| Otras cuentas por Cobrar | 8,707.3 | 9,379.3 | 6,796.9 | 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 | 1,903.7 | 1,343.1 | 10.8 | 10.5 | 3.3 | 28.0 | |||||||
| Mobiliario y Equipo | 2,398.3 | 3,512.2 | 625.3 | 341.5 | 342.2 | 262.1 | 149.1 | 85.5 | 22.9 | 17.8 | 14.3 | 16.1 | 19.5 |
| Inversiones en Acciones | 1,446.3 | 1,244.3 | 1,273.6 | 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 | 5,781.3 | 5,206.0 | 4,841.5 | 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 | 73,452.2 | 70,316.9 | 61,591.7 | 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 | 3,439.8 | 761.0 | 1,261.0 | 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) | 34,516.4 | 27,705.9 | 24,636.7 | 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 | 8,623.6 | 13,780.3 | 7,597.6 | 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 | 6,716.0 | 7,578.9 | 8,015.9 | 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 | 15,339.5 | 21,359.3 | 15,613.5 | 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 | 53,295.7 | 49,826.1 | 41,511.2 | 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 | 858.8 | 4,422.2 | 4,016.5 | 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 | 55,995.6 | 54,248.4 | 45,527.8 | 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 | 1,685.1 | 1,649.5 | 1,852.4 | 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 | 4,206.7 | 4,206.7 | 4,206.7 | - | - | - | - | - | - | - | - |
| Resultado Acumulado de Ejercicios Anteriores | 9,236.3 | 9,407.7 | 7,778.3 | 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 | 1,164.3 | (1,054.0) | (708.2) | 128.6 | 359.7 | 229.4 | 89.3 | 5.5 | 7.0 | 29.3 | - | - | - |
| Ajustes por Conversión Cambiaria | 105.4 | 69.9 | 5.5 | (30.1) | 93.7 | 167.6 | - | - | - | - | - | - | - |
| Participación Controladora | 932.0 | 1,032.3 | 949.1 | 908.5 | 748.9 | 677.2 | 108.6 | 14.0 | - | - | - | - | - |
| Resultado Neto | 126.8 | 756.4 | 1,980.1 | 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 | 17,456.6 | 16,068.5 | 16,063.9 | 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 | 73,452.2 | 70,316.9 | 61,591.7 | 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) | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Activos: | |||||||||||||
| Disponibilidades | 30.1 | 55.1 | 62.6 | 56.3 | 41.2 | 15.3 | 7.0 | 3.6 | 9.7 | 6.6 | 4.6 | 2.5 | 1.0 |
| Inversiones en Valores | 36.6 | 54.8 | 68.6 | 20.9 | 26.9 | 48.1 | 31.5 | 84.9 | 49.4 | 26.7 | 18.2 | 36.0 | 19.4 |
| Operación con valores y derivados | 161.4 | 98.7 | 0.0 | 52.3 | 97.7 | 119.6 | 122.5 | 64.5 | 17.6 | 18.6 | 37.4 | 2.1 | 0.0 |
| Cartera de Crédito Vigente | 2,438.8 | 2,306.6 | 2,455.7 | 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 | 61.4 | 79.8 | 33.5 | 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 | 2,500.2 | 2,386.4 | 2,489.3 | 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 | (128.3) | (102.0) | (73.7) | (54.3) | (54.3) | (37.2) | (28.1) | (28.5) | (15.5) | (10.9) | (9.4) | (10.2) | (5.3) |
| Cartera de Crédito Neta | 2,371.9 | 2,284.3 | 2,415.6 | 1,793.8 | 1,421.3 | 1,123.2 | 992.8 | 908.0 | 781.1 | 508.4 | 385.8 | 292.3 | 254.2 |
| Cartera de factoraje | - | 39.3 | 8.6 | ||||||||||
| Otras cuentas por Cobrar | 425.4 | 471.1 | 351.7 | 273.7 | 235.5 | 173.5 | 131.0 | 78.4 | 182.7 | 193.1 | 112.9 | 72.5 | 13.4 |
| Bienes Adjudicados | 93.0 | 67.5 | 0.6 | 0.5 | 0.2 | 1.4 | |||||||
| Mobiliario y Equipo | 117.2 | 176.4 | 33.1 | 17.4 | 17.4 | 12.7 | 8.6 | 5.8 | 1.8 | 1.4 | 1.0 | 1.3 | 1.5 |
| Inversiones en Acciones | 70.7 | 62.5 | 67.5 | 60.7 | 64.4 | 51.3 | 48.4 | 58.3 | 60.1 | 58.0 | 26.1 | - | - |
| Impuestos Diferidos | - | - | - | - | 16.8 | - | - | - | - | - | - | - | - |
| Otros Activos | 282.5 | 261.5 | 256.7 | 246.4 | 210.0 | 196.7 | 165.3 | 147.5 | 51.8 | 32.8 | 12.9 | 12.4 | 5.5 |
| Total Activo | 3,588.8 | 3,532.0 | 3,265.0 | 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 | 168.1 | 38.2 | 66.8 | 74.5 | 50.9 | 133.8 | 209.3 | 174.5 | 232.5 | 135.0 | 139.4 | 48.0 | 198.2 |
| Pasivos Bursátiles (Senior Notes) | 1,686.4 | 1,391.6 | 1,306.0 | 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 | 421.3 | 692.2 | 402.8 | 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 | 328.1 | 380.7 | 424.9 | 244.5 | 310.9 | 128.4 | 174.4 | 213.1 | 162.9 | 55.5 | 37.0 | 40.7 | 1.6 |
| Total de Créditos Bancarios | 749.5 | 1,072.9 | 827.7 | 619.0 | 459.8 | 373.4 | 376.8 | 289.1 | 311.9 | 176.0 | 112.6 | 70.2 | 28.7 |
| Total de la Deuda | 2,604.0 | 2,502.7 | 2,200.5 | 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 | 42.0 | 222.1 | 212.9 | 151.7 | 173.8 | 99.4 | 106.6 | 79.0 | 60.8 | 40.2 | 18.4 | 10.3 | 5.9 |
| Total Pasivo | 2,735.9 | 2,724.9 | 2,413.4 | 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 | 82.3 | 82.9 | 98.2 | 105.2 | 108.0 | 102.4 | 122.2 | 144.8 | 154.1 | 155.6 | 36.4 | 39.9 | 37.6 |
| Bono Perpetuo | 205.5 | 211.3 | 223.0 | 214.1 | 213.9 | - | - | - | - | - | - | - | - |
| Resultado Acumulado de Ejercicios Anteriores | 451.3 | 472.5 | 412.3 | 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 | 56.9 | (52.9) | (37.5) | 6.5 | 18.3 | 11.1 | 5.2 | 0.4 | 0.5 | 2.3 | - | - | - |
| Ajustes por Conversión Cambiaria | 5.1 | 3.5 | 0.3 | (1.5) | 4.8 | 8.1 | - | - | - | - | - | - | - |
| Participación Controladora | 45.5 | 51.9 | 50.3 | 46.2 | 38.1 | 32.8 | 6.3 | 0.9 | - | - | - | - | - |
| Resultado Neto | 6.2 | 38.0 | 105.0 | 99.5 | 84.5 | 83.1 | 79.5 | 83.1 | 76.7 | 47.4 | 29.8 | 17.2 | 14.1 |
| Total Capital Contable | 852.9 | 807.1 | 851.6 | 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 | 3,588.8 | 3,532.0 | 3,265.0 | 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) |
2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos por Intereses | 11,553.9 | 10,055.7 | 11,933.0 | 10,201.1 | 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 | (6,098.9) | (4,517.1) | (4,671.1) | (3,120.9) | (2,726.1) | (1,916.4) | (952.3) | (882.2) | (723.1) | (654.8) | (612.8) | (384.1) | (253.8) |
| Margen Financiero | 5,455.0 | 5,538.6 | 7,261.9 | 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 | (2,683.6) | (2,112.6) | (1,306.6) | (1,540.3) | (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 | 2,771.4 | 3,426.0 | 5,955.2 | 5,539.9 | 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 | 0.5 | 137.3 | 515.7 | 564.1 | 826.4 | 539.6 | - | - | - | - | - | - | - |
| Comisiones y Tarifas Pagadas | (297.4) | (247.3) | (373.4) | (256.0) | (234.6) | (283.4) | (142.2) | (99.1) | (69.7) | (69.5) | (61.3) | (91.4) | (89.3) |
| Resultado por Intermediación | 265.7 | (79.1) | 156.2 | (20.8) | 152.9 | 375.8 | - | - | - | - | - | - | - |
| Otros Ingresos de la Operación | 1,471.5 | 1,097.3 | 126.6 | 164.7 | 350.2 | 267.3 | 36.2 | 23.7 | 10.1 | 20.6 | 18.1 | 19.9 | 24.1 |
| Gastos de Administración y Promoción | (3,700.2) | (3,539.2) | (3,607.1) | (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 | 33.6 | 794.9 | 2,773.3 | 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 | 33.5 | (87.9) | (735.9) | (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 | 67.1 | 707.0 | 2,037.4 | 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 | 59.7 | 49.4 | (57.3) | 97.2 | 177.7 | 136.1 | 70.6 | 84.2 | 191.9 | 125.1 | 36.3 | - | - |
| Resultado Neto | 126.8 | 756.4 | 1,980.1 | 1,955.4 | 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) |
2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ingresos por Intereses | 564.5 | 505.1 | 632.6 | 519.1 | 435.2 | 337.5 | 247.2 | 225.7 | 208.2 | 161.2 | 137.1 | 98.1 | 73.4 |
| Gastos por Intereses | (298.0) | (226.9) | (247.6) | (158.8) | (138.6) | (92.9) | (55.2) | (59.8) | (55.3) | (50.5) | (43.9) | (31.1) | (19.4) |
| Margen Financiero | 266.5 | 278.2 | 385.0 | 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 | (131.1) | (106.1) | (69.3) | (78.4) | (68.3) | (40.3) | (20.0) | (17.9) | (30.9) | (21.0) | (22.2) | (18.4) | (11.2) |
| Margen Financiero Ajustado por Riesgos Crediticios | 135.4 | 172.1 | 315.7 | 281.9 | 228.3 | 204.2 | 172.0 | 147.9 | 122.0 | 89.7 | 71.0 | 48.6 | 42.8 |
| Comisiones y Tarifas Cobradas | - | 6.9 | 27.3 | 28.7 | 42.0 | 26.2 | - | - | - | - | - | - | - |
| Comisiones y Tarifas Pagadas | (14.5) | (12.4) | (19.8) | (13.0) | (11.9) | (13.7) | (8.2) | (6.7) | (5.3) | (5.4) | (4.4) | (7.4) | (6.8) |
| Resultado por Intermediación | 13.0 | (4.0) | 8.3 | (1.1) | 7.8 | 18.2 | - | - | - | - | - | - | - |
| Otros Ingresos de la Operación | 71.9 | 55.1 | 6.7 | 8.4 | 17.8 | 13.0 | 2.1 | 1.6 | 0.8 | 1.6 | 1.3 | 1.6 | 1.8 |
| Gastos de Administración y Promoción | (180.8) | (177.8) | (191.2) | (177.2) | (173.8) | (141.7) | (66.0) | (42.7) | (37.0) | (37.1) | (33.4) | (25.4) | (21.4) |
| Resultado Operativo | 1.6 | 39.9 | 147.0 | 127.7 | 110.1 | 106.1 | 99.9 | 100.1 | 80.5 | 48.9 | 34.5 | 17.5 | 16.4 |
| Impuestos a la Utilidad | 1.6 | (4.4) | (39.0) | (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 | 3.3 | 25.5 | 108.0 | 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 | 2.9 | 2.5 | (3.0) | 4.9 | 9.0 | 6.6 | 4.1 | 5.7 | 14.7 | 9.6 | 2.6 | - | - |
| Resultado Neto | 6.2 | 38.0 | 105.0 | 99.5 | 92.3 | 88.2 | 79.5 | 83.1 | 76.7 | 47.4 | 29.8 | 17.2 | 14.1 |
| Razones financieras | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tasa de Rentabilidad | 23.0% | 21.7% | 28.1% | 29.9% | 32.6% | 31.0% | 27.1% | 25.7% | 31.1% | 34.2% | 38.7% | ||
| Margen de Interés Neto | 10.4% | 11.7% | 17.1% | 20.8% | 22.2% | 22.5% | 21.0% | 18.8% | - | - | - | ||
| Rendimiento sobre Cartera de Crédito Promedio | 0.2% | 1.6% | 4.7% | 5.7% | 6.3% | 5.7% | 8.7% | 9.3% | 11.5% | 10.0% | 8.4% | ||
| ROAA | 0.2% | 1.0% | 3.6% | 4.2% | 4.5% | 4.2% | 6.0% | 6.6% | - | - | - | ||
| ROAE | 0.7% | 4.3% | 12.3% | 12.9% | 15.9% | 20.2% | 22.2% | 24.1% | 24.5% | 27.9% | 33.3% | ||
| ROAE (Sin Bono Perpetuo) | 0.9% | 5.6% | 16.6% | 17.8% | 17.6% | - | - | - | - | - | - | ||
| Índice Deuda / Capital | 3.1 | 3.1 | 2.6 | 1.9 | 1.6 | 2.7 | 2.6 | 2.5 | 2.3 | 1.9 | 4.5 | ||
| Índice Deuda/ Capital (Sin Bono Perpetuo) | 4.0 | 4.2 | 3.5 | 2.6 | 2.2 | - | - | - | - | - | - | ||
| Costo promedio de la deuda | 11.0% | 9.5% | 12.8% | 11.1% | 11.6% | 8.2% | 6.3% | 7.4% | 8.7% | 9.5% | 10.7% | ||
| Índice de Eficiencia | 62.0% | 53.7% | 43.9% | 42.4% | 49.7% | 51.7% | 35.9% | 27.6% | 25.1% | 35.2% | 37.6% | ||
| Índice de Capitalización | 32.7% | 31.4% | 34.1% | 43.9% | 50.9% | 38.8% | 38.1% | 38.5% | 41.8% | 53.4% | 26.5% | ||
| Índice de Capitalización (Sin Bono Perpetuo) | 24.8% | 25.0% | 25.3% | 32.3% | 36.4% | - | - | - | - | - | - | ||
| Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera | 5.2% | 4.4% | 2.8% | 4.2% | 4.6% | 3.5% | 2.0% | 1.9% | 3.9% | 4.1% | 5.6% | ||
| Índice de Cobertura | 208.9% | 127.8% | 219.7% | 172.9% | 176.4% | 148.4% | 116.7% | 161.2% | 128.2% | 132.2% | 119.7% | ||
| IMOR | 2.5% | 3.3% | 1.3% | 1.7% | 2.1% | 2.2% | 2.4% | 1.9% | 1.5% | 1.6% | 2.0% |
| Razones financieras | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tasa de Rentabilidad | 23.0% | 21.7% | 28.1% | 29.9% | 32.6% | 31.0% | 27.1% | 25.7% | 31.1% | 34.2% | 38.7% | ||
| Margen de Interés Neto | 10.4% | 11.7% | 17.1% | 20.8% | 22.2% | 22.5% | 21.0% | 18.8% | - | - | - | ||
| Rendimiento sobre Cartera de Crédito Promedio | 0.2% | 1.6% | 4.7% | 5.7% | 6.3% | 5.7% | 8.7% | 9.3% | 11.5% | 10.0% | 8.4% | ||
| ROAA | 0.2% | 1.0% | 3.6% | 4.2% | 4.5% | 4.2% | 6.0% | 6.6% | - | - | - | ||
| ROAE | 0.7% | 4.3% | 12.3% | 12.9% | 15.9% | 20.2% | 22.2% | 24.1% | 24.5% | 27.9% | 33.3% | ||
| ROAE (Sin Bono Perpetuo) | 0.9% | 5.6% | 16.6% | 17.8% | 17.6% | - | - | - | - | - | - | ||
| Índice Deuda / Capital | 3.1 | 3.1 | 2.6 | 1.9 | 1.6 | 2.7 | 2.6 | 2.5 | 2.3 | 1.9 | 4.5 | ||
| Índice Deuda/ Capital (Sin Bono Perpetuo) | 4.0 | 4.2 | 3.5 | 2.6 | 2.2 | - | - | - | - | - | - | ||
| Costo promedio de la deuda | 11.0% | 9.5% | 12.8% | 11.1% | 11.6% | 8.2% | 6.3% | 7.4% | 8.7% | 9.5% | 10.7% | ||
| Índice de Eficiencia | 62.0% | 53.7% | 43.9% | 42.4% | 49.7% | 51.7% | 35.9% | 27.6% | 25.1% | 35.2% | 37.6% | ||
| Índice de Capitalización | 32.7 | 31.4% | 34.1% | 43.9% | 50.9% | 38.8% | 38.1% | 38.5% | 41.8% | 53.4% | 26.5% | ||
| Índice de Capitalización (Sin Bono Perpetuo) | 24.8% | 25.0% | 25.3% | 32.3% | 36.4% | - | - | - | - | - | - | ||
| Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera | 5.2% | 4.4% | 2.8% | 4.2% | 4.6% | 3.5% | 2.0% | 1.9% | 3.9% | 4.1% | 5.6% | ||
| Índice de Cobertura | 208.9% | 127.8% | 219.7% | 172.9% | 176.4% | 148.4% | 116.7% | 161.2% | 128.2% | 132.2% | 119.7% | ||
| IMOR | 2.5% | 3.3% | 1.3% | 1.7% | 2.1% | 2.2% | 2.4% | 1.9% | 1.5% | 1.6% | 2.0% |
| Balance General (Ps. Millones) | 4T21 | 3T21 | 2T21 | 1T21 | 4T20 | 3T20 | 2T20 | 1T20 | 4T19 | 3T19 | 2T19 | 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 | 616.7 | 910.7 | 1,049.2 | 414.6 | 1,097.4 | 399.6 | 1,129.2 | 1,919.4 | 1,180.9 | 658.2 | 511.5 | 410.4 | 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 | 749.2 | 741.1 | 2,423.3 | 5,225.7 | 1,091.7 | 2,144.3 | 1,801.1 | 865.3 | 1,294.4 | 258.6 | 888.1 | 1,120.6 | 410.3 | 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 | 3,303.1 | 3,820.5 | 2,491.1 | 2,270.4 | 1,964.5 | 5,246.8 | 6,500.7 | 7,426.0 | - | 860.1 | 442.7 | 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 | 49,915.8 | 52,295.8 | 50,757.1 | 49,826.2 | 45,920.8 | 47,664.9 | 46,479.2 | 48,898.1 | 46,325.7 | 42,739.8 | 40,465.0 | 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 | 1,257.1 | 2,092.1 | 1,997.1 | 2,037.2 | 1,589.1 | 850.4 | 695.0 | 765.9 | 632.7 | 732.5 | 619.9 | 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 | 51,172.9 | 54,387.9 | 52,754.2 | 51,863.4 | 47,509.9 | 48,515.3 | 47,174.2 | 49,664.0 | 46,958.4 | 42,472.4 | 41,084.9 | 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 | (2,625.5) | (2,766.7) | (2,446.5) | (2,393.2) | (2,031.6) | (1,847.8) | (1,708.1) | (1,678.3) | (1,390.0) | (1,310.0) | (1,272.0) | (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 | 48,546.4 | 51,621.2 | 50,307.7 | 49,470.2 | 45,478.3 | 46,667.5 | 45,466.0 | 47,985.7 | 45,568.4 | 42,162.3 | 39,812.9 | 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 |
| Cartera de factoraje | - | - | - | - | 701.4 | 1,525.4 | 1,957.1 | - | 162.8 | 264.5 | 237.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Otras cuentas por Cobrar | 8,707.3 | 8,411.6 | 8,409.5 | 8,576.3 | 8,677.9 | 7,965.3 | 7,499.5 | 7,324.4 | 6,634.1 | 6,598.3 | 5,570.7 | 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 | 1,903.7 | 1,418.6 | 1,417.5 | 1,339.7 | 1,343.1 | 32.2 | 25.6 | 24.8 | 10.8 | 9.5 | 8.6 | 18.2 | 10.4 | - | - | - | 3.3 | 9.7 | - | - | 28.0 | - | - | - | ||||||||||||||||
| Mobiliario y Equipo | 2,398.3 | 3,018.8 | 3,248.2 | 3,330.0 | 3,512.2 | 3,307.8 | 3,511.4 | 651.3 | 625.3 | 733.1 | 737.6 | 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 | 1,446.3 | 1,465.8 | 1,315.2 | 1,307.1 | 1,244.3 | 1,252.5 | 1,251.5 | 1,294.5 | 1,273.6 | 1,263.3 | 1,186.7 | 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 | 5,781.3 | 5,657.3 | 5,570.8 | 5,218.5 | 5,206.0 | 5,404.8 | 5,511.5 | 5,479.0 | 4,841.5 | 4,584.4 | 4,618.7 | 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 | 73,452.2 | 77,065.6 | 76,232.5 | 77,152.6 | 70,316.9 | 73,946.3 | 74,653.6 | 72,970.3 | 61,591.7 | 57,392.4 | 54,015.4 | 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 | 3,439.8 | 3,205.3 | 3,490.3 | 1,170.2 | 761.0 | 859.9 | 1,013.5 | 1,128.0 | 1,261.0 | 581.9 | 1,220.4 | 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) | 34,516.4 | 33,928.7 | 33,471.2 | 33,858.7 | 27,705.9 | 30,095.8 | 31,596.8 | 31,271.4 | 24,636.7 | 22,179.7 | 21,853.7 | 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 | 8,623.6 | 10,079.6 | 11,308.5 | 12,406.6 | 13,780.3 | 12,204.3 | 9,835.6 | 8,820.6 | 7,597.6 | 8,069.9 | 8,661.9 | 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 | 6,716.0 | 7,628.1 | 7,912.3 | 9,424.7 | 7,578.9 | 9,273.7 | 10,582.9 | 9,625.0 | 8,015.9 | 6,635.3 | 3,291.9 | 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 | 15,339.5 | 17,697.7 | 19,220.8 | 21,831.3 | 21,359.3 | 21,478.0 | 20,418.5 | 18,445.6 | 15,613.5 | 14,705.1 | 11,953.7 | 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 | 53,295.7 | 54,831.8 | 56,182.2 | 56,860.2 | 49,826.1 | 52,433.7 | 53,028.8 | 50,845.0 | 41,511.2 | 37,466.8 | 35,027.8 | 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 | 2,699.8 | 3,745.9 | 2,526.6 | 3,089.5 | 4,422.2 | 3,733.2 | 3,768.9 | 2,988.7 | 4,016.5 | 3,441.7 | 3,051.2 | 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 | 55,995.6 | 58,577.7 | 58,708.8 | 59,949.6 | 54,248.4 | 56,166.9 | 56,797.7 | 53,833.7 | 45,527.8 | 40,908.5 | 38,079.1 | 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 | 1,685.1 | 1,722.1 | 1,704.1 | 1,635.6 | 1,649.5 | 1,731.2 | 1,738.6 | 1,786.9 | 1,852.4 | 1,845.7 | 1,845.9 | 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 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | 4,206.7 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Resultado Acumulado de Ejercicios Anteriores | 9,236.3 | 9,708.0 | 9,627.5 | 10,230.5 | 9,407.9 | 9,670.3 | 9,660.2 | 9,898.1 | 7,778.3 | 8,201.9 | 8,045.5 | 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 | 1,164.3 | 1,217.6 | 679.0 | (157.3) | (1,054.0) | (150.8) | (174.7) | 937.9 | (708.2) | (403.7) | (226.3) | (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 | 105.4 | 159.6 | 58.5 | 143.2 | 59.9 | 523.4 | 758.4 | 825.5 | 5.5 | 20.2 | (66.4) | (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 | 932.0 | 987.6 | 965.1 | 1,055.0 | 1,032.3 | 1,163.0 | 1,230.0 | 1,176.3 | 949.1 | 1,060.3 | 1,014.1 | 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 | 126.8 | 486.2 | 282.6 | 89.4 | 756.4 | 635.7 | 436.8 | 305.4 | 1,980.1 | 1,552.9 | 1,116.9 | 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 | 17,456.6 | 18,487.9 | 17,523.6 | 17,203.0 | 16,068.5 | 17,779.4 | 17,856.0 | 19,136.7 | 16,063.9 | 16,483.9 | 15,936.3 | 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 | 73,452.2 | 77,065.6 | 76,232.5 | 77,152.6 | 70,316.9 | 73,946.3 | 74,653.6 | 72,970.3 | 61,591.7 | 57,392.4 | 54,015.4 | 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) | 4T21 | 3T21 | 2T21 | 1T21 | 4T20 | 3T20 | 2T20 | 1T20 | 4T19 | 3T19 | 2T19 | 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 | 30.1 | 44.3 | 52.7 | 20.3 | 55.1 | 18.0 | 48.9 | 81.7 | 62.6 | 33.4 | 26.0 | 21.2 | 56.3 | 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 | 36.6 | 36.0 | 121.7 | 255.7 | 54.8 | 96.8 | 78.0 | 36.8 | 68.6 | 13.1 | 45.2 | 57.8 | 20.9 | 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 | 161.4 | 185.8 | 125.1 | 111.1 | 98.7 | 236.9 | 281.5 | 316.2 | - | 43.6 | 22.5 | 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 | 2,438.8 | 2,543.3 | 2,549.8 | 2,437.7 | 2,306.6 | 2,152.5 | 2,013.0 | 2,082.1 | 2,455.7 | 2,165.7 | 2,059.2 | 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 | 61.4 | 101.7 | 100.3 | 99.7 | 79.8 | 38.4 | 30.1 | 32.6 | 33.5 | 37.1 | 31.5 | 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 | 2,500.2 | 2,645.0 | 2,650.1 | 2,537.3 | 2,386.4 | 2,190.9 | 2,043.1 | 2,114.7 | 2,489.3 | 2,202.9 | 2,090.7 | 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 | (128.3) | (134.6) | (122.9) | (117.1) | (102.0) | (83.4) | (74.0) | (71.5) | (73.7) | (66.4) | (64.7) | (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 | 2,371.9 | 2,510.5 | 2,527.2 | 2,420.3 | 2,284.3 | 2,107.5 | 1,969.1 | 2,043.3 | 2,415.6 | 2,136.5 | 2,026.0 | 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 | |
| Cartera de factoraje | - | - | - | - | 35.2 | 68.9 | 84.4 | - | 8.6 | 13.4 | 12.1 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Otras cuentas por Cobrar | 425.4 | 409.1 | 422.5 | 419.6 | 435.9 | 359.7 | 324.8 | 311.9 | 351.7 | 334.4 | 283.5 | 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 | 93.0 | 69.0 | 71.2 | 65.5 | 67.5 | 1.5 | 1.1 | 1.1 | 0.6 | 0.5 | 0.4 | 0.9 | 0.5 | - | - | - | 0.2 | 0.5 | - | - | 1.4 | - | - | - | |||||||||||||||||
| Mobiliario y Equipo | 117.2 | 146.8 | 163.2 | 162.9 | 176.4 | 149.4 | 152.1 | 27.7 | 33.1 | 37.1 | 37.5 | 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 | 70.7 | 71.3 | 66.1 | 63.9 | 62.5 | 56.6 | 54.2 | 55.1 | 67.5 | 64.0 | 60.4 | 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 | 282.5 | 275.1 | 279.9 | 255.3 | 261.5 | 244.1 | 238.7 | 233.3 | 256.7 | 232.3 | 235.0 | 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 | 3,588.8 | 3,747.9 | 3,829.6 | 3,774.6 | 3,532.0 | 3,339.4 | 3,233.3 | 3,107.1 | 3,265.0 | 2,908.2 | 2,748.7 | 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 | 168.1 | 155.9 | 155.9 | 175.3 | 57.3 | 38.2 | 38.8 | 43.9 | 48.0 | 66.8 | 29.5 | 62.1 | 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) | 1,686.4 | 1,650.0 | 1,681.4 | 1,656.5 | 1,391.6 | 1,359.1 | 1,368.5 | 1,331.6 | 1,306.0 | 1,123.9 | 1,112.1 | 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 | 421.3 | 490.2 | 568.1 | 607.0 | 692.2 | 551.1 | 442.4 | 375.6 | 402.8 | 408.9 | 440.8 | 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 | 328.1 | 370.5 | 397.5 | 461.1 | 380.7 | 418.8 | 442.0 | 409.8 | 424.9 | 336.2 | 167.5 | 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 | 749.5 | 860.7 | 965.6 | 1,068.1 | 1,072.9 | 969.9 | 884.3 | 785.4 | 827.7 | 745.1 | 608.3 | 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 | 2,604.0 | 2,666.6 | 2,822.3 | 2,781.8 | 2,502.7 | 2,367.9 | 2,296.7 | 2,165.0 | 2,200.5 | 1,898.5 | 1,782.5 | 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 | 132.0 | 182.1 | 126.9 | 151.2 | 221.1 | 168.6 | 163.3 | 127.2 | 212.9 | 174.3 | 155.2 | 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 | 2,735.9 | 2,848.8 | 2,949.3 | 2,933.0 | 2,749.9 | 2,536.5 | 2,459.9 | 2,292.3 | 2,413.4 | 2,072.9 | 1,937.7 | 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 | 82.3 | 83.8 | 85.6 | 80.0 | 82.9 | 78.2 | 75.3 | 76.1 | 98.2 | 93.5 | 93.9 | 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 | 205.5 | 204.6 | 211.3 | 205.8 | 211.3 | 190.0 | 182.2 | 179.1 | 223.0 | 213.2 | 214.1 | 217.1 | 214.1 | 224.7 | 213.6 | 230.2 | 213.9 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | |
| Resultado Acumulado de Ejercicios Anteriores | 451.3 | 472.1 | 483.6 | 500.5 | 472.6 | 436.7 | 418.4 | 421.5 | 412.3 | 415.6 | 409.4 | 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 | 56.9 | 59.2 | 34.1 | (7.7) | (52.9) | (6.8) | (7.6) | 39.9 | (37.5) | (20.5) | (11.5) | (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 | 5.1 | 7.8 | 2.9 | 7.0 | 3.0 | 23.6 | 32.8 | 35.2 | 0.3 | 1.0 | (3.4) | (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 | 45.5 | 48.0 | 48.5 | 51.6 | 51.9 | 52.5 | 53.3 | 50.1 | 50.3 | 53.7 | 51.6 | 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 | 6.2 | 23.6 | 14.2 | 4.4 | 38.0 | 28.7 | 18.9 | 13.0 | 105.0 | 78.7 | 56.8 | 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 | 852.9 | 899.1 | 880.3 | 841.6 | 807.1 | 802.9 | 773.3 | 814.9 | 851.6 | 835.3 | 811.0 | 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 | 3,588.8 | 3,747.9 | 3,829.6 | 3,774.6 | 3,532.0 | 3,339.4 | 3,233.3 | 3,107.1 | 3,265.0 | 2,908.2 | 2,748.7 | 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) |
4T21 | 3T21 | 2T21 | 1T21 | 4T20 | 3T20 | 2T20 | 1T20 | 4T19 | 3T19 | 2T19 | 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 | 2,808.6 | 3,196.6 | 2,744.4 | 2,804.4 | 2,499.2 | 2,523.3 | 2,399.8 | 2,692.3 | 3,293.0 | 2,950.0 | 2,859.6 | 2,830.4 | 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 | (1,596.5) | (1,567.4) | (1,435.9) | (1,499.0) | (1,207.1) | (1,107.9) | (1,181.2) | (1,079.9) | (1,310.9) | (1,195.0) | (1,099.3) | (1,065.8) | (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 | 1,212.1 | 1,629.1 | 1,308.5 | 1,305.4 | 1,292.1 | 1,415.4 | 1,218.6 | 1,612.5 | 1,982.0 | 1,755.0 | 1,760.3 | 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 | (1,324.6) | (550.1) | (318.9) | (490.0) | (743.9) | (504.4) | (404.4) | (459.9) | (351.3) | (364.0) | (335.3) | (337.1) | (383.1) | (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 | (112.6) | 989.6 | 815.4 | 548.2 | 911.0 | 814.2 | 1,152.5 | 1,630.8 | 1,390.9 | 1,425.1 | 1,427.4 | 1,660.3 | 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 | 0.4 | - | - | - | 21.7 | 37.2 | 78.5 | - | 104.1 | 137.1 | 141.4 | 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 | (80.6) | (71.2) | (66.2) | (79.4) | (65.5) | (62.7) | (55.1) | (64.2) | (110.3) | (82.6) | (95.0) | (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 | 284.3 | 35.7 | (28.3) | (26.1) | (110.8) | (31.5) | 1.9 | 61.3 | (42.1) | (52.6) | (6.4) | 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 | 361.5 | 354.9 | 387.5 | 367.6 | 349.9 | 308.9 | 304.7 | 88.7 | 37.1 | 49.0 | 89.1 | 30.9 | 25.5 | 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 | (1,069.9) | (1,050.5) | (1,047.1) | (1,010.4) | (852.2) | (974.7) | (939.7) | (772.5) | (971.6) | (929.7) | (851.7) | (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 | (616.9) | 348.0 | 235.4 | 67.1 | (63.7) | 188.2 | 204.5 | 465.9 | 647.8 | 512.2 | 702.5 | 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 | 214.3 | (107.6) | (60.7) | (12.5) | 86.7 | (21.6) | (25.5) | (127.5) | (186.0) | (117.7) | (167.1) | (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 | (402.6) | 240.4 | 174.7 | 54.6 | 23.0 | 166.6 | 179.0 | 338.5 | 461.8 | 394.4 | 535.4 | 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 | 43.2 | (36.8) | 18.5 | 34.8 | 97.7 | 32.3 | (47.7) | (33.0) | (34.5) | 41.5 | (43.1) | (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 | (359.4) | 203.6 | 193.2 | 89.4 | 120.7 | 198.9 | 131.4 | 305.4 | 427.2 | 436.0 | 492.3 | 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) |
4T21 | 3T21 | 2T21 | 1T21 | 4T20 | 3T20 | 2T20 | 1T20 | 4T19 | 3T19 | 2T19 | 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 | 137.2 | 155.5 | 137.9 | 137.2 | 125.5 | 105.5 | 103.9 | 114.6 | 174.6 | 149.5 | 145.5 | 146.1 | 139.2 | 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 | (78.0) | (76.2) | (72.1) | (73.3) | (60.6) | (41.6) | (51.2) | (46.0) | (69.5) | (60.6) | (55.9) | (55.0) | (35.2) | (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 | 59.2 | 79.2 | 65.7 | 63.9 | 64.9 | 63.9 | 52.8 | 68.7 | 105.1 | 88.9 | 89.6 | 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 | (64.7) | (26.8) | (16.0) | (24.0) | (37.4) | (22.8) | (17.5) | (19.6) | (18.6) | (18.4) | (17.1) | (17.4) | (19.5) | (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 | (5.5) | 52.5 | 49.7 | 39.9 | 27.5/td> | 41.1 | 35.3 | 49.1 | 86.4 | 70.5 | 72.5 | 73.7 | 84.5 | 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 | - | - | - | - | 1.1 | 1.7 | 3.4 | - | 5.5 | 6.9 | 7.2 | 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 | (3.9) | (3.5) | (3.3) | (3.9) | (3.3) | (2.8) | (2.4) | (2.7) | (5.8) | (4.2) | (4.8) | (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 | 13.9 | 1.7 | (1.4) | (1.3) | (5.6) | (1.4) | 0.1 | 2.6 | (2.2) | (2.7) | (0.3) | 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 | 17.7 | 17.3 | 19.5 | 18.0 | 19.8 | 14.0 | 13.2 | 3.8 | 2.0 | 2.5 | 4.5 | 1.6 | 1.3 | 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 | (52.3) | (51.1) | (52.6) | (49.5) | (42.8) | (44.0) | (40.7) | (32.9) | (51.5) | (47.1) | (43.3) | (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 | (30.1) | 16.9 | 11.8 | 3.3 | (3.2) | 8.5 | 8.9 | 19.8 | 34.3 | 26.0 | 35.7 | 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 | 10.5 | (5.2) | (3.0) | (0.6) | 4.4 | (1.0) | (1.1) | (5.4) | (9.9) | (6.0) | (8.5) | (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 | (19.7) | 11.7 | 8.8 | 2.7 | 1.2 | 7.5 | 7.8 | 14.4 | 24.5 | 20.0 | 27.2 | 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 | 2.1 | (1.8) | 0.9 | 1.7 | 4.9 | 1.5 | (2.1) | (1.4) | (1.8) | 2.1 | (2.2) | (1.1) | 2.8 | 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 | (17.6) | 9.9 | 9.7 | 4.4 | 6.1 | 9.0 | 5.7 | 13.0 | 22.6 | 22.1 | 25.1 | 32.2 | 28.9 | 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 | 4T21 | 3T21 | 2T21 | 1T21 | 4T20 | 3T20 | 2T20 | 1T20 | 4T19 | 3T19 | 2T19 | 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 | 21.3% | 23.9% | 21.0% | 22.4% | 20.8% | 21.1% | 19.8% | 22.3% | 29.1% | 28.0% | 28.8% | 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 | 9.2% | 12.2% | 10.0% | 10.4% | 10.8% | 11.8% | 10.1% | 13.4% | 17.5% | 16.7% | 17.7% | 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 | (2.7%) | 1.5% | 1.5% | 0.7% | 1.0% | 1.7% | 1.1% | 2.5% | 3.8% | 4.1% | 5.0% | 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 | (1.9%) | 1.1% | 1.0% | 0.5% | 0.7% | 1.1% | 0.7% | 1.8% | 2.9% | 3.1% | 3.8% | 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 | (8.0%) | 4.5% | 4.5% | 2.1% | 2.9% | 4.5% | 2.8% | 6.9% | 10.5% | 10.8% | 12.3% | 15.7% | 14.5% | 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) | (10.4%) | 5.9% | 5.9% | 2.9% | 3.8% | 5.8% | 3.7% | 9.1% | 14.2% | 14.5% | 16.7% | 21.3% | 19.9% | 18.5% | 17.5% | 15.8% | 17.6% | 17.5% | 19.1% | 17.6% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Índice Deuda / Capital | 3.1 | 3.0 | 3.2 | 3.3 | 3.1 | 2.9 | 3.0 | 2.7 | 2.6 | 2.3 | 2.2 | 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) | 4.0 | 3.8 | 4.2 | 4.4 | 4.2 | 3.9 | 3.9 | 3.4 | 3.5 | 3.1 | 3.0 | 2.7 | 2.6 | 2.5 | 2.5 | - | - | 2.6 | 2.6 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Costo Promedio de la Deuda | 11.8% | 11.3% | 10.2% | 11.2% | 9.4% | 8.4% | 9.1% | 9.4% | 13.3% | 13.2% | 13.2% | 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 | 71.3% | 53.0% | 63.1% | 62.5% | 47.8% | 54.2% | 62.1% | 49.9% | 45.6% | 46.1% | 41.9% | 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 | 32.7% | 32.3% | 31.7% | 31.4% | 31.4% | 33.8% | 34.4% | 38.5% | 34.1% | 37.7% | 38.8% | 41.9% | 43.9% | 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) | 24.8% | 25.0% | 24.1% | 25.1% | 23.2% | 28.0% | 26.3% | 30.1% | 25.3% | 28.2% | 28.5% | 30.9% | 32.3% | 31.8% | 32.1% | - | - | 35.2% | 35.8% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera | 10.4% | 4.0% | 2.4% | 3.8% | 6.3% | 4.2% | 3.3% | 3.7% | 3.0% | 3.3% | 3.3% | 3.5% | 4.2% | 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 | 208.9% | 132.2% | 122.5% | 117.5% | 127.8% | 217.3% | 245.8% | 219.1% | 219.7% | 178.8% | 205.2% | 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 | 2.5% | 3.8% | 3.8% | 3.9 | 3.3% | 1.8% | 1.5% | 1.5% | 1.3% | 1.7% | 1.5% | 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 | 4T21 | 3T21 | 2T21 | 1T21 | 4T20 | 3T20 | 2T20 | 1T20 | 4T19 | 3T19 | 2T19 | 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 | 21.3% | 23.9% | 21.0% | 22.4% | 20.8% | 21.1% | 19.8% | 22.3% | 29.1% | 28.0% | 28.8% | 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 | 9.2% | 12.2% | 10.0% | 10.4% | 10.8% | 11.8% | 10.1% | 13.4% | 17.5% | 16.7% | 17.7% | 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 | (2.7%) | 1.5% | 1.5% | 0.7% | 1.0% | 1.7% | 1.1% | 2.5% | 3.8% | 4.1% | 5.0% | 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 | (1.9%) | 1.1% | 1.0% | 0.5% | 0.7% | 1.1% | 0.7% | 1.8% | 2.9% | 3.1% | 3.8% | 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 | (8.0%) | 4.5% | 4.5% | 2.1% | 2.9% | 4.5% | 2.8% | 6.9% | 10.5% | 10.8% | 12.3% | 15.7% | 14.5% | 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) | (10.4%) | 5.9% | 5.9% | 2.9% | 3.8% | 5.8% | 3.7% | 9.1% | 14.2% | 14.5% | 16.7% | 21.3% | 19.9% | 18.5% | 17.5% | 15.8% | 17.6% | 17.5% | 19.1% | 17.6% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Índice Deuda / Capital | 3.1 | 3.0 | 3.2 | 3.3 | 3.1 | 2.9 | 3.0 | 2.7 | 2.6 | 2.3 | 2.2 | 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) | 4.0 | 3.8 | 4.2 | 4.4 | 4.2 | 3.9 | 3.9 | 3.4 | 3.5 | 3.1 | 3.0 | 2.7 | 2.6 | 2.5 | 2.5 | - | - | 2.6 | 2.6 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Costo Promedio de la Deuda | 11.8% | 11.3% | 10.2% | 11.2% | 9.4% | 8.4% | 9.1% | 9.4% | 13.3% | 13.2% | 13.2% | 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 | 71.3% | 53.0% | 63.1% | 62.5% | 47.8% | 54.2% | 62.1% | 49.9% | 45.6% | 46.1% | 41.9% | 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 | 32.7% | 32.3% | 31.7% | 31.4% | 31.4% | 33.8% | 34.4% | 38.5% | 34.1% | 37.7% | 38.8% | 41.9% | 43.9% | 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) | 24.8% | 25.0% | 24.1% | 25.1% | 23.2% | 28.0% | 26.3% | 30.1% | 25.3% | 28.2% | 28.5% | 30.9% | 32.3% | 31.8% | 32.1% | - | - | 35.2% | 35.8% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera | 10.4% | 4.0% | 2.4% | 3.8% | 6.3% | 4.2% | 3.3% | 3.7% | 3.0% | 3.3% | 3.3% | 3.5% | 4.2% | 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 | 208.9% | 132.2% | 122.5% | 117.5% | 127.8% | 217.3% | 245.8% | 219.1% | 219.7% | 178.8% | 205.2% | 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 | 2.5% | 3.8% | 3.8% | 3.9% | 3.3% | 1.8% | 1.5% | 1.5% | 1.3% | 1.7% | 1.5% | 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% |