• Base de Datos Histórica


Balance General (MXN Mn) 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 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 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 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 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 1,589.1 632.7 617.6 605.2 517.0 416.1 260.6 158.5 106.9 109.0 126.0 69.1
Total de Cartera de Crédito 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 (2,031.6) (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 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 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 1,343.1 10.8 10.5 3.3 28.0
Mobiliario y Equipo 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 1,244.3 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 5,206.0 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 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 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) 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 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 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 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 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 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 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 1,649.5 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 - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 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 (1,054.0) (708.2) 128.6 359.7 229.4 89.3 5.5 7.0 29.3 - - -
Ajustes por Conversión Cambiaria 69.9 5.5 (30.1) 93.7 167.6 - - - - - - -
Participación Controladora 1,032.3 949.1 908.5 748.9 677.2 108.6 14.0 - - - - -
Resultado Neto 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 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 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) 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 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 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 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 2,306.6 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 79.8/td> 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 2,386.4 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 (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 2,284.3 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 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 67.5 0.6 0.5 0.2 1.4
Mobiliario y Equipo 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 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 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 3,532.0 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 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) 1,391.6 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 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 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 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 2,502.7 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 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 2,724.9 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 82.9 98.2 105.2 108.0 102.4 122.2 144.8 154.1 155.6 36.4 39.9 37.6
Bono Perpetuo 211.3 223.0 214.1 213.9 - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 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 (52.9) (37.5) 6.5 18.3 11.1 5.2 0.4 0.5 2.3 - - -
Ajustes por Conversión Cambiaria 3.5 0.3 (1.5) 4.8 8.1 - - - - - - -
Participación Controladora 51.9 50.3 46.2 38.1 32.8 6.3 0.9 - - - - -
Resultado Neto 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 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 3,532.0 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)
2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 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 (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 5,538.6 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 (2,112.6) (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 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 137.3 515.7 564.1 826.4 539.6 - - - - - - -
Comisiones y Tarifas Pagadas (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 (79.1) 156.2 (20.8) 152.9 375.8 - - - - - - -
Otros Ingresos de la Operación 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 (3,539.2) (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 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 (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 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 49.4 (57.3) 97.2 177.7 136.1 70.6 84.2 191.9 125.1 36.3 - -
Resultado Neto 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)
2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 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 (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 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 (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 172.1/td> 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 (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 (4.0) 8.3 (1.1) 7.8 18.2 - - - - - - -
Otros Ingresos de la Operación 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 (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 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 (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 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 2.5 (3.0) 4.9 9.0 6.6 4.1 5.7 14.7 9.6 2.6 - -
Resultado Neto 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 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 21.7% 28.1% 29.9% 32.6% 31.0% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 11.7% 17.1% 20.8% 22.2% 22.5% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 1.6% 4.7% 5.7% 6.3% 5.7% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 1.0% 3.6% 4.2% 4.5% 4.2% 6.0% 6.6% - - -
ROAE 4.3% 12.3% 12.9% 15.9% 20.2% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 5.6% 16.6% 17.8% 17.6% - - - - - -
Índice Deuda / Capital 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) 4.2 3.5 2.6 2.2 - - - - - -
Costo promedio de la deuda 9.5% 12.8% 11.1% 11.6% 8.2% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 53.7% 43.9% 42.4% 49.7% 51.7% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 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) 25.0% 25.3% 32.3% 36.4% - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 4.4% 2.8% 4.2% 4.6% 3.5% 2.0% 1.9% 3.9% 4.1% 5.6%
Índice de Cobertura 127.8% 219.7% 172.9% 176.4% 148.4% 116.7% 161.2% 128.2% 132.2% 119.7%
IMOR 3.3% 1.3% 1.7% 2.1% 2.2% 2.4% 1.9% 1.5% 1.6% 2.0%
Razones financieras 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 21.7% 28.1% 29.9% 32.6% 31.0% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 11.7% 17.1% 20.8% 22.2% 22.5% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 1.6% 4.7% 5.7% 6.3% 5.7% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 1.0% 3.6% 4.2% 4.5% 4.2% 6.0% 6.6% - - -
ROAE 4.3% 12.3% 12.9% 15.9% 20.2% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 5.6% 16.6% 17.8% 17.6% - - - - - -
Índice Deuda / Capital 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) 4.2 3.5 2.6 2.2 - - - - - -
Costo promedio de la deuda 9.5% 12.8% 11.1% 11.6% 8.2% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 53.7% 43.9% 42.4% 49.7% 51.7% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 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) 25.0% 25.3% 32.3% 36.4% - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 4.4% 2.8% 4.2% 4.6% 3.5% 2.0% 1.9% 3.9% 4.1% 5.6%
Índice de Cobertura 127.8% 219.7% 172.9% 176.4% 148.4% 116.7% 161.2% 128.2% 132.2% 119.7%
IMOR 3.3% 1.3% 1.7% 2.1% 2.2% 2.4% 1.9% 1.5% 1.6% 2.0%
Balance General (Ps. Millones) 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 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 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 3,820.5 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 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 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 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 (2,766.7) (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 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 8,411.6 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 1,418.6 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 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 1,465.8 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 5,657.3 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 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 3,205.3 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) 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 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 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 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 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 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 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 1,722.1 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 - - - - - - - - - - - - - - - - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 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 1,217.6 679.0 (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 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 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 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 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 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) 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 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 36.0 121.7 255.7 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 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 2,543.3 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 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 2,645.0 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 (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 2,510.5 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 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 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 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 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 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 3,747.9 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 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) 1,650.0 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 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 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 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 2,666.6 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 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 2,848.8 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 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 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 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 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 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 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 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 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 3,747.9 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)
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 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 (1,567.4) (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 1,629.1 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 (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 1,079.0 989.6 815.4 548.2 911.0 814.2 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 - - - 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 (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 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 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 (1,050.5) (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 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 (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 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 (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 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)
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 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 (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 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 (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 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 (3.5) (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 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 17.3 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 (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 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 (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 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 (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 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 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 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 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 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 1.1% 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 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) 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 3.0 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) 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 11.3% 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 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 32.3% 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) 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 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 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 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 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 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 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 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 1.1% 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 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) 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 3.0 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) 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 11.3% 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 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 32.3% 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) 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 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 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 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%