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MISIN Y VISIN
MISIN
Promover el xito de nuestros clientes con soluciones
financieras adecuadas para sus necesidades, facilitar el
desarrollo de nuestros colaboradores, generar valor para
nuestros accionistas y apoyar el desarrollo sostenido del pas.
VISIN
Ser el Banco lder en todos los segmentos y productos que
ofrecemos
ANALISIS VERTICAL
CUENTA
2011
2010
A.V 2011
A.V 2010
14,768,579
23,687,342
20.49%
33.40%
15,605
165,733
0.02%
0.23%
9,568,570
4,536,565
13.27%
6.40%
18,090,500
17,105,173
25.09%
24.12%
17,394,028
16,517,702
24.13%
23.29%
696,472
587,471
0.97%
0.83%
473,928
447,001
0.66%
0.63%
Otros activos
812,485
642,320
1.13%
0.91%
43,729,667
46,584,134
60.66%
65.69%
26,143,585
21,980,409
36.27%
31.00%
31,990
36,632
0.04%
0.05%
42,517
35,849
0.06%
0.05%
1,136,660
997,157
1.58%
1.41%
440,555
417,247
0.61%
0.59%
Otros activos
418,281
718,893
0.58%
1.01%
Goodwill
144,841
144,841
0.20%
0.20%
28,358,429
24,331,028
39.34%
34.31%
72,088,096
70,915,162
100%
100%
34,447,219
28,855,244
185,502,484
157,012,752
ACTIVO
ACTIVO CORRIENTE
Disponible
Fondos interbancarios
PASIVO Y PATRIMONIO
PASIVO
PASIVO CORRIENTE
47,601,130
373,894
47,395,741
374,319
66.03%
0.52%
66.83%
0.53%
424,230
528,509
0.59%
0.75%
2,636,707
892,872
339,740
39,264
4,482,438
1,137,262
570,802
30,152
3.66%
1.24%
0.47%
0.05%
6.32%
1.60%
0.80%
0.04%
52,307,837
54,519,223
72.56%
76.88%
4,960,551
8,076,572
235,510
199,603
5,372,913
4,932,696
220,828
319,361
6.88%
11.20%
0.33%
0.28%
7.58%
6.96%
0.31%
0.45%
13,472,236
10,845,798
18.69%
15.29%
TOTAL PASIVO
65,780,073
65,365,021
91.25%
92.17%
PATRIMONIO
Capital social
Reservas
Ajustes al Patrimonio
Resultado Neto del Ejercicio
Total Patrimonio Neto atribuible a la Matriz
Inters Minoritario
2,557,738
2,004,022
294,899
1,438,994
6,295,653
12,370
2,557,738
1,329,155
442,816
1,209,341
5,539,050
11,091
3.55%
2.78%
0.41%
2.00%
8.73%
0.02%
3.61%
1.87%
0.62%
1.71%
7.81%
0.02%
TOTAL PATRIMONIO
6,308,023
5,550,141
8.75%
7.83%
72,088,096
70,915,162
100%
100%
34,447,219
185,502,484
28,855,244
157,012,752
CUENTA
2011
2010
A.V 2011
A.V 2010
4,687,284
3,840,975
100%
100%
4,687,284
3,840,975
100%
100%
1,429,260
1,192,974
30.49%
31.06%
1,429,260
1,192,974
30.49%
31.06%
3,258,024
2,648,001
69.51%
68.94%
14,142
3,080
0.30%
0.08%
708,484
594,831
15.12%
15.49%
2,563,682
2,056,250
54.69%
53.53%
1,446,191
559,420
1,298,332
563,239
30.85%
11.93%
33.80%
14.66%
45,120
171,796
0.96%
4.47%
4,614,413
4,089,617
98.45%
106.47%
2,277,788
2,336,625
388,957
2,157,977
1,931,640
274,631
48.60%
49.85%
8.30%
56.18%
50.29%
7.15%
1,947,668
1,657,009
41.55%
43.14%
508.674
447.668
0.01%
0.01%
1,438,994
1,209,341
30.70%
31.49%
1,438,994
1,209,341
30.70%
31.49%
1,438,994
1,209,341
30.70%
31.49%
ANALISIS HORIZONTAL
CUENTA
2011
2010
ACTIVO
DIFERENCIA
VARIACION
-8,918,763
-150,128
5,032,005
985,327
876,326
109,001
26,927
170,165
-37.65%
-90.58%
110.92%
5.76%
5.31%
18.55%
6.02%
26.49%
-2,854,467
4,163,176
-6.13%
18.94%
-4,642
6,668
-12.67%
18.60%
139,503
23,308
-300,612
13.99%
5.59%
-41.82%
0.00%
16.55%
1.65%
ACTIVO CORRIENTE
14,768,579
23,687,342
15,605
165,733
9,568,570
4,536,565
18,090,500
17,105,173
17,394,028
16,517,702
696,472
587,471
473,928
447,001
Otros activos
812,485
642,320
43,729,667
46,584,134
26,143,585
21,980,409
31,990
36,632
42,517
35,849
1,136,660
997,157
440,555
417,247
Otros activos
418,281
718,893
Goodwill
144,841
144,841
28,358,429
24,331,028
0
4,027,401
72,088,096
70,915,162
1,172,934
34,447,219
28,855,244
185,502,484
157,012,752
Disponible
Fondos interbancarios
PASIVO Y PATRIMONIO
PASIVO
PASIVO CORRIENTE
Obligaciones con el pblico
Fondos interbancarios
Depsitos de Empresas del Sistema Financiero y
Organismos Financieros Internacionales
Adeudados y Obligaciones Financieras
Cuentas por Pagar
Cuentas por Pagar Diversas
Valores, Ttulos y Obligaciones en Circulacin
Otros pasivos
TOTAL PASIVO CORRIENTE
Adeudos y Obligaciones Financieras
Valores, Ttulos y Obligaciones en Circulacin
Otras Provisiones
Otros pasivos
TOTAL PASIVO NO CORRIENTE
TOTAL PASIVO
47,601,130
373,894
47,395,741
374,319
205,389
-425
0.43%
-0.11%
424,230
528,509
2,636,707
892,872
0
339,740
39,264
52,307,837
4,960,551
8,076,572
235,510
199,603
13,472,236
65,780,073
4,482,438
1,137,262
0
570,802
30,152
54,519,223
5,372,913
4,932,696
220,828
319,361
10,845,798
65,365,021
-104,279
-1,845,731
-244,390
-19.73%
-41.18%
-21.49%
-231,062
9,112
-2,211,386
-412,362
3,143,876
14,682
-119,758
2,626,438
-40.48%
30.22%
-4.06%
-7.67%
63.74%
6.65%
-37.50%
24.22%
415,052
0.63%
PATRIMONIO
Capital social
Reservas
Ajustes al Patrimonio
Resultado Neto del Ejercicio
Total Patrimonio Neto atribuible a la Matriz
Inters Minoritario
2,557,738
2,004,022
294,899
1,438,994
6,295,653
12,370
2,557,738
1,329,155
442,816
1,209,341
5,539,050
11,091
0
674,867
-147,917
229,653
756,603
1,279
0.00%
50.77%
-33.40%
18.99%
13.66%
11.53%
TOTAL PATRIMONIO
6,308,023
5,550,141
757,882
13.66%
72,088,096
70,915,162
1,172,934
1.65%
34,447,219
28,855,244
185,502,484
157,012,752
RATIOS DE SOLVENCIA
Pasivo total
capital social + reservas
Reservas
total PT / CS+R
2011
61,835,525
2,557,738
895,208
17.91
17.92
17.90
17.88
17.86
17.84
17.82
17.80
2010
61,617,539
2,557,738
895,208
17.84
17.88
17.91
17.84
2011
2010
SOLVENCIA PATRIMONIAL
PERIODOS
2011
2010
Pasivo Total
61,835,525
61,617,539
Patrimonio
TOTAL PT / P
6,295,653
9.82
5,539,050
11.12
10.47
11.50
11.00
10.50
11.12
10.00
9.50
9.82
9.00
2011
2010
APALANCAMIENTO
FINANCIERO
PERIODOS
Pasivo Total
Activo Total
total PT/ AT
2011
61,835,525
68,131,178
0.91
2010
61,617,539
67,156,589
0.92
0.9
0.92
0.92
0.92
0.91
0.91
0.90
0.91
RATIOS DE RENTABILIDAD
2010
2011
ROE
23.30%
24.30%
ROA
2.00%
2.10%
25.00%
20.00%
15.00%
10.00%
5.00%
0.00%
ROE
ROA
ROA
ROE
2010 2011
CALIDAD DE ACTIVOS O DE
GESTION
CARTERA ATRSADA/COLOCACIONES
BRUTAS
2010
2011
1.40%
1.40%
1.50%
1.00%
0.50%
0.00%
2010
2011
INDICADORES DE LIQUIDEZ
Act. Liquido en
MN
Pasivo liquido en
MN
2010
2011
46,584,134
43,729,667
54,519,223
52,307,837
0.85
0.84
0.86
0.85
0.84
0.83
0.82
2010
2011