• Base de Datos Histórica


Balance General (MXN Mn) 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 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 1,294.4 410.3 529.8 992.7 543.3 1,251.2 646.2 346.8 253.6 445.0 253.3
Operación con valores y derivados 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 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 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 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 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 45,568.4 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
Otras cuentas por Cobrar 6,769.9 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 10.8 10.5 3.3 28.0
Mobiliario y Equipo 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 1,273.6 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 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 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 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) 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 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 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 15,613.5 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 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 4,016.5 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 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 1,852.4 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 - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 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 (708.2) 128.6 359.7 229.4 89.3 5.5 7.0 29.3 - - -
Ajustes por Conversión Cambiaria 5.5 (30.1) 93.7 167.6 - - - - - - -
Participación Controladora 949.1 908.5 748.9 677.2 108.6 14.0 - - - - -
Resultado Neto 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 16,063.9 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 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) 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Activos:
Disponibilidades 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 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 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 2,455.7 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 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 2,489.3 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 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 2,415.6 1,793.8 1,421.3 1,123.2 992.8 908.0 781.1 508.4 385.8 292.3 254.2
Otras cuentas por Cobrar 360.3 273.7 235.5 173.5 131.0 78.4 182.7 193.1 112.9 72.5 13.4
Bienes Adjudicados 0.6 0.5 0.2 1.4
Mobiliario y Equipo 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 67.5 60.7 64.4 51.3 48.4 58.3 60.1 58.0 26.1 - -
Impuestos Diferidos - - 16.8 - - - - - - - -
Otros Activos 256.7 246.4 210.0 196.7 165.3 147.5 51.8 32.8 12.9 12.4 5.5
Total Activo 3,265.0 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 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) 1,306.0 866.0 688.8 685.2 425.2 445.1 216.3 217.1 223.8 207.6 0.0
Préstamos Bancarios de Corto Plazo 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 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 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 2,200.5 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 212.9 151.7 173.8 99.4 106.6 79.0 60.8 40.2 18.4 10.3 5.9
Total Pasivo 2,413.4 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 98.2 105.2 108.0 102.4 122.2 144.8 154.1 155.6 36.4 39.9 37.6
Bono Perpetuo 223.0 214.1 213.9 - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 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 (37.5) 6.5 18.3 11.1 5.2 0.4 0.5 2.3 - - -
Ajustes por Conversión Cambiaria 0.3 (1.5) 4.8 8.1 - - - - - - -
Participación Controladora 50.3 46.2 38.1 32.8 6.3 0.9 - - - - -
Resultado Neto 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 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 3,265.0 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)
2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 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 (4,671.1) (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 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 (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 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 515.7 564.1 826.4 539.6 - - - - - - -
Comisiones y Tarifas Pagadas (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 156.2 (20.8) 152.9 375.8 - - - - - - -
Otros Ingresos de la Operación 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 (3,607.0) (3,483.1) (3,417.5) (2,922.0) (1,138.1) (629.6) (484.1) (480.5) (465.6) (313.5) (280.0)
Resultado Operativo 2,773.3 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 (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 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 (57.3) 97.2 177.7 136.1 70.6 84.2 191.9 125.1 36.3 - -
Resultado Neto 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)
2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009
Ingresos por Intereses 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 (247.6) (158.8) (138.6) (92.9) (55.2) (59.8) (55.3) (50.5) (43.9) (31.1) (19.4)
Margen Financiero 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 (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 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 27.3 28.7 42.0 26.2 - - - - - - -
Comisiones y Tarifas Pagadas (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 8.3 (1.1) 7.8 18.2 - - - - - - -
Otros Ingresos de la Operación 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 (191.2) (177.2) (173.8) (141.7) (66.0) (42.7) (37.0) (37.1) (33.4) (25.4) (21.4)
Resultado Operativo 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 (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 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 (3.0) 4.9 9.0 6.6 4.1 5.7 14.7 9.6 2.6 - -
Resultado Neto 105.0 99.5 92.3 88.2 79.5 83.1 76.7 47.4 29.8 17.2 14.1

Razones financieras 2019 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 28.1% 29.9% 32.6% 31.0% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 17.1% 20.8% 22.2% 22.5% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 4.7% 5.7% 6.3% 5.7% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 3.6% 4.2% 4.5% 4.2% 6.0% 6.6% - - -
ROAE 12.3% 12.9% 15.9% 20.2% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 16.6% 17.8% 17.6% - - - - - -
Índice Deuda / Capital 2.6 1.9 1.6 2.7 2.6 2.5 2.3 1.9 4.5
Índice Deuda/ Capital (Sin Bono Perpetuo) 3.5 2.6 2.2 - - - - - -
Costo promedio de la deuda 12.8% 11.1% 11.6% 8.2% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 41.8% 42.4% 49.7% 51.7% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 34.2% 43.9% 50.9% 38.8% 38.1% 38.5% 41.8% 53.4% 26.5%
Índice de Capitalización (Sin Bono Perpetuo) 25.3% 32.3% 36.4% - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 2.8% 4.2% 4.6% 3.5% 2.0% 1.9% 3.9% 4.1% 5.6%
Índice de Cobertura 219.7% 172.9% 176.4% 148.4% 116.7% 161.2% 128.2% 132.2% 119.7%
NPL 1.3% 1.7% 2.1% 2.2% 2.4% 1.9% 1.5% 1.6% 2.0%
Razones financieras 2019 2018 2017 2016 2015 2014 2013 2012 2011
Tasa de Rentabilidad 28.1% 29.9% 32.6% 31.0% 27.1% 25.7% 31.1% 34.2% 38.7%
Margen de Interés Neto 17.1% 20.8% 22.2% 22.5% 21.0% 18.8% - - -
Rendimiento sobre Cartera de Crédito Promedio 4.7% 5.7% 6.3% 5.7% 8.7% 9.3% 11.5% 10.0% 8.4%
ROAA 3.6% 4.2% 4.5% 4.2% 6.0% 6.6% - - -
ROAE 12.3% 12.9% 15.9% 20.2% 22.2% 24.1% 24.5% 27.9% 33.3%
ROAE (Sin Bono Perpetuo) 16.6% 17.8% 17.6% - - - - - -
Índice Deuda / Capital 2.6 1.9 1.6 2.7 2.6 2.5 2.3 1.9 4.5
Índice Deuda/ Capital (Sin Bono Perpetuo) 3.5 2.6 2.2 - - - - - -
Costo promedio de la deuda 12.8% 11.1% 11.6% 8.2% 6.3% 7.4% 8.7% 9.5% 10.7%
Índice de Eficiencia 41.8% 42.4% 49.7% 51.7% 35.9% 27.6% 25.1% 35.2% 37.6%
Índice de Capitalización 34.2% 43.9% 50.9% 38.8% 38.1% 38.5% 41.8% 53.4% 26.5%
Índice de Capitalización (Sin Bono Perpetuo) 25.3% 32.3% 36.4% - - - - - -
Gastos por Estimación Preventiva para Riesgos Crediticios como Porcentaje del Total de Cartera 2.8% 4.2% 4.6% 3.5% 2.0% 1.9% 3.9% 4.1% 5.6%
Índice de Cobertura 219.7% 172.9% 176.4% 148.4% 116.7% 161.2% 128.2% 132.2% 119.7%
NPL 1.3% 1.7% 2.1% 2.2% 2.4% 1.9% 1.5% 1.6% 2.0%
Balance General (Ps. Millones) 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 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 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 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 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 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 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 (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 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
Otras cuentas por Cobrar 7,324.4 6,796.9 6,862.8 5,808.6 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 24.8 10.8 9.5 8.6 18.2 10.4 - - - 3.3 9.7 - - 28.0 - - -
Mobiliario y Equipo 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 1,294.5 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 5,479.0 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 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 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) 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 8,820.6 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 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 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 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 2,988.7 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 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 1,786.9 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 - - - - - - - - - - - - - - - - - - - - - - -
Resultado Acumulado de Ejercicios Anteriores 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 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 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 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 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 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 72,970.3 61,591.7 57,392.4 50,839.2 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) 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 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 36.8 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 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 2,082.1 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 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 2,114.7 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 (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 2,043.3 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
Otras cuentas por Cobrar 311.9 360.3 347.8 295.6 279.3 273.7 293.0 253.9 256.6 235.5 211.4 211.8 203.7 173.5 203.4 182.4 174.2 131.0 104.4 124.1 106.4 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 1.1 0.6 0.5 0.4 0.9 0.5 - - - 0.2 0.5 - - 1.4 - - -
Mobiliario y Equipo 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 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 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 3,107.1 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 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) 1,331.6 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 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 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 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 2,165.0 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 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 2,292.3 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 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 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 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 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 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 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 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 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 3,107.1 3,265.0 2,908.2 2,478.7 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)
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 2,692.3 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 (1,079.9) (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 1,612.5 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 (459.9) (351.3) (429.2) (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 1,152.5 1,630.8 1,325.8 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 - 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 (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 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 88.7 37.0 114.1 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 (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 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 (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 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 (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 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)
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 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 (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 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 (19.6) (18.6) (21.7) (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 49.1 86.4 67.2 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 - 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 (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 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 3.8 2.0 5.8 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 (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 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 (5.4) (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 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 (1.4) (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 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 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 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 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 2.5% 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 1.8% 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 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) 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 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) 3.4 3.5 3.1 3.0 2.7 2.6 2.5 2.5 - - 2.6 2.6 - - - - - - - - - - - - - - - - - - - - -
Costo Promedio de la Deuda 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 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 38.5% 34.2% 37.9% 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) 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 3.7% 3.0% 3.9% 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 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 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 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 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 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 2.5% 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 1.8% 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 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) 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 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) 3.4 3.5 3.1 3.0 2.7 2.6 2.5 2.5 - - 2.6 2.6 - - - - - - - - - - - - - - - - - - - - -
Costo Promedio de la Deuda 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 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 38.5% 34.2% 37.9% 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) 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 3.7% 3.0% 3.9% 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 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 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%