SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 6-K
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 Or 15d-16 Of The
Securities Exchange Act of 1934
For the month of November, 2004
|
BANCO LATINOAMERICANO DE EXPORTACIONES, S.A. |
|
(Exact name of Registrant as specified in its Charter) |
|
LATIN AMERICAN EXPORT BANK |
|
(Translation of Registrant’s name into English) |
Calle 50 y Aquilino de la Guardia
Apartado 6-1497
El Dorado, Panama City
Republic of Panama
(Address of Registrant’s Principal Executive Offices)
(Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.)
|
|
Form 20-F |
x |
|
Form 40-F |
o |
|
(Indicate by check mark whether the registrant by furnishing the information contained in this Form is also thereby furnishing information to the Commission pursuant to Rule 12g-3-2(b) under the Securities Exchange Act of 1934.)
|
|
Yes |
o |
|
No |
x |
|
(If “Yes” is marked, indicate below the file number assigned to the registrant in connection with Rule 12g3-2(b). 82__.)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereto duly authorized.
|
January 21, 2005 |
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BANCO LATINOAMERICANO dE EXPORTACIONES, S.A. |
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By: |
/s/ PEDRO TOLL |
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Name: |
Pedro Toll |
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Title: |
Deputy Manager |
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BANCO LATINOAMERICANO DE EXPORTACIONES |
January 14, 2005 |
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2003 |
|
2004 |
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|||||
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|||||
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Description |
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Absolute |
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% |
|
December |
|
January |
|
February |
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|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LIQUID ASSETS |
|
|
-52,192,323.62 |
|
|
-27.35 |
|
|
190,799,943.18 |
|
|
192,064,648.30 |
|
|
234,316,239.13 |
|
|
Local Deposits in Banks |
|
|
111,459.93 |
|
|
71.97 |
|
|
154,867.09 |
|
|
148,473.17 |
|
|
172,395.85 |
|
|
Demand |
|
|
111,459.93 |
|
|
71.97 |
|
|
154,867.09 |
|
|
148,473.17 |
|
|
172,395.85 |
|
|
Time |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign Deposits in Banks |
|
|
-52,316,339.70 |
|
|
-27.46 |
|
|
190,519,519.42 |
|
|
191,777,453.20 |
|
|
234,061,676.10 |
|
|
Demand |
|
|
5,682,696.41 |
|
|
788.73 |
|
|
720,483.31 |
|
|
3,182,508.52 |
|
|
2,934,580.72 |
|
|
Time |
|
|
-57,999,036.11 |
|
|
-30.56 |
|
|
189,799,036.11 |
|
|
188,594,944.68 |
|
|
231,127,095.38 |
|
|
Less Allowance |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Others |
|
|
12,556.15 |
|
|
10.00 |
|
|
125,556.67 |
|
|
138,721.93 |
|
|
82,167.18 |
|
|
CREDIT PORTFOLIO |
|
|
374,071,755.64 |
|
|
21.56 |
|
|
1,735,136,671.38 |
|
|
1,729,608,465.58 |
|
|
1,677,488,314.06 |
|
|
Local |
|
|
-2,016,369.26 |
|
|
-0.64 |
|
|
317,093,669.48 |
|
|
267,845,944.48 |
|
|
272,595,944.48 |
|
|
Foreign |
|
|
258,026,501.69 |
|
|
15.74 |
|
|
1,639,451,762.43 |
|
|
1,675,357,598.76 |
|
|
1,614,608,902.37 |
|
|
Less Allowance |
|
|
-118,061,623.21 |
|
|
-53.32 |
|
|
221,408,760.53 |
|
|
213,595,077.66 |
|
|
209,716,532.79 |
|
|
Local |
|
|
-74,028,591.26 |
|
|
-69.93 |
|
|
105,866,145.18 |
|
|
100,059,570.12 |
|
|
95,403,704.25 |
|
|
Foreign |
|
|
-44,033,031.95 |
|
|
-38.11 |
|
|
115,542,615.35 |
|
|
113,535,507.54 |
|
|
114,312,828.54 |
|
|
INVESTMENT SECURITIES |
|
|
52,602,792.38 |
|
|
46.84 |
|
|
112,295,247.89 |
|
|
111,905,462.66 |
|
|
111,673,317.31 |
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign |
|
|
52,602,792.38 |
|
|
46.84 |
|
|
112,295,247.89 |
|
|
111,905,462.66 |
|
|
111,673,317.31 |
|
|
Less Allowance |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
OTHER ASSETS |
|
|
5,584,468.35 |
|
|
10.97 |
|
|
50,888,083.69 |
|
|
64,583,832.22 |
|
|
63,669,397.02 |
|
|
Local |
|
|
51,374.32 |
|
|
0.83 |
|
|
6,170,009.76 |
|
|
5,967,530.86 |
|
|
6,004,000.34 |
|
|
Foreign |
|
|
5,533,094.03 |
|
|
12.37 |
|
|
44,718,073.93 |
|
|
58,616,301.36 |
|
|
57,665,396.68 |
|
|
TOTAL ASSETS |
|
|
380,066,692.75 |
|
|
18.19 |
|
|
2,089,119,946.14 |
|
|
2,098,162,408.76 |
|
|
2,087,147,267.52 |
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|
DEPOSITS |
|
|
362,646,824.49 |
|
|
70.50 |
|
|
514,414,316.03 |
|
|
518,360,985.90 |
|
|
521,737,597.31 |
|
|
Local |
|
|
18,235,853.26 |
|
|
41.84 |
|
|
43,587,485.58 |
|
|
45,390,804.32 |
|
|
42,062,496.54 |
|
|
Government |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Customers |
|
|
103,734.49 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Demand |
|
|
103,734.49 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Time |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Savings |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
From Banks |
|
|
18,132,118.77 |
|
|
41.60 |
|
|
43,587,485.58 |
|
|
45,390,804.32 |
|
|
42,062,496.54 |
|
|
Demand |
|
|
2,050,868.39 |
|
|
44.62 |
|
|
4,595,824.32 |
|
|
6,094,329.66 |
|
|
6,101,933.23 |
|
|
Time |
|
|
16,081,250.38 |
|
|
41.24 |
|
|
38,991,661.26 |
|
|
39,296,474.66 |
|
|
35,960,563.31 |
|
|
Foreign |
|
|
344,410,971.23 |
|
|
73.15 |
|
|
470,826,830.45 |
|
|
472,970,181.58 |
|
|
479,675,100.77 |
|
|
Government |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Customers |
|
|
-107,829,339.22 |
|
|
-74.85 |
|
|
144,069,723.19 |
|
|
99,357,945.44 |
|
|
87,518,635.29 |
|
|
Demand |
|
|
-2,155,477.49 |
|
|
-63.47 |
|
|
3,395,861.46 |
|
|
1,757,945.44 |
|
|
3,518,635.29 |
|
|
Time |
|
|
-105,673,861.73 |
|
|
-75.12 |
|
|
140,673,861.73 |
|
|
97,600,000.00 |
|
|
84,000,000.00 |
|
|
Savings |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
From Banks |
|
|
452,240,310.45 |
|
|
138.40 |
|
|
326,757,107.26 |
|
|
373,612,236.14 |
|
|
392,156,465.48 |
|
|
Demand |
|
|
-1,977,618.45 |
|
|
-17.82 |
|
|
11,100,547.00 |
|
|
14,459,263.26 |
|
|
10,376,666.71 |
|
|
Time |
|
|
454,217,928.90 |
|
|
143.90 |
|
|
315,656,560.26 |
|
|
359,152,972.88 |
|
|
381,779,798.77 |
|
|
BORROWINGS |
|
|
-184,227,807.28 |
|
|
-18.04 |
|
|
1,020,959,382.93 |
|
|
1,004,876,078.51 |
|
|
981,368,587.28 |
|
|
Local |
|
|
1,312,199.20 |
|
|
6.07 |
|
|
21,603,810.80 |
|
|
21,603,810.80 |
|
|
21,603,810.80 |
|
|
Foreign |
|
|
-185,540,006.48 |
|
|
-18.57 |
|
|
999,355,572.13 |
|
|
983,272,267.71 |
|
|
959,764,776.48 |
|
|
OTHER LIABILITIES |
|
|
-5,064,396.56 |
|
|
-5.24 |
|
|
96,619,215.59 |
|
|
107,357,098.15 |
|
|
109,077,967.55 |
|
|
Local |
|
|
-26,365,554.11 |
|
|
-86.88 |
|
|
30,347,173.08 |
|
|
31,567,311.00 |
|
|
35,806,705.76 |
|
|
Foreign |
|
|
21,301,157.55 |
|
|
32.14 |
|
|
66,272,042.51 |
|
|
75,789,787.15 |
|
|
73,271,261.79 |
|
|
STOCKHOLDERS´ EQUITY |
|
|
206,712,072.10 |
|
|
45.22 |
|
|
457,127,031.59 |
|
|
467,568,246.20 |
|
|
474,963,115.38 |
|
|
Capital |
|
|
-7,527,656.49 |
|
|
-2.29 |
|
|
328,225,212.57 |
|
|
328,225,212.57 |
|
|
328,225,212.57 |
|
|
Capital Reserves |
|
|
78,600,424.89 |
|
|
473.22 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
Other Reserves |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Retained Earnings |
|
|
102,459,839.86 |
|
|
15419.11 |
|
|
664,499.09 |
|
|
102,415,864.02 |
|
|
102,415,864.02 |
|
|
Net Income |
|
|
36,896,116.83 |
|
|
36.26 |
|
|
101,751,364.93 |
|
|
10,593,177.01 |
|
|
17,792,214.06 |
|
|
Gain or Loss in Securities available for sale |
|
|
-3,716,652.99 |
|
|
-37.63 |
|
|
9,876,226.22 |
|
|
9,724,263.82 |
|
|
9,920,095.95 |
|
|
LIABILITIES AND STOCKHOLDER’S EQUITY |
|
|
380,066,692.75 |
|
|
18.19 |
|
|
2,089,119,946.14 |
|
|
2,098,162,408.76 |
|
|
2,087,147,267.52 |
|
|
|
|
2004 |
|
|||||||||||||
|
|
|
|
|
|||||||||||||
|
Description |
|
March |
|
April |
|
May |
|
June |
|
July |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LIQUID ASSETS |
|
|
132,229,195.34 |
|
|
145,258,460.44 |
|
|
153,847,073.92 |
|
|
189,637,852.74 |
|
|
213,403,425.29 |
|
|
Local Deposits in Banks |
|
|
148,973.07 |
|
|
151,332.83 |
|
|
804,092.05 |
|
|
161,327.61 |
|
|
151,562.45 |
|
|
Demand |
|
|
148,973.07 |
|
|
151,332.83 |
|
|
804,092.05 |
|
|
161,327.61 |
|
|
151,562.45 |
|
|
Time |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign Deposits in Banks |
|
|
131,933,367.96 |
|
|
144,997,230.65 |
|
|
152,964,580.58 |
|
|
189,407,623.34 |
|
|
213,040,396.13 |
|
|
Demand |
|
|
2,833,367.96 |
|
|
2,797,230.65 |
|
|
1,764,580.58 |
|
|
1,707,623.34 |
|
|
41,240,396.13 |
|
|
Time |
|
|
129,100,000.00 |
|
|
142,200,000.00 |
|
|
151,200,000.00 |
|
|
187,700,000.00 |
|
|
171,800,000.00 |
|
|
Less Allowance |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Others |
|
|
146,854.31 |
|
|
109,896.96 |
|
|
78,401.29 |
|
|
68,901.79 |
|
|
211,466.71 |
|
|
CREDIT PORTFOLIO |
|
|
1,645,618,281.99 |
|
|
1,636,216,654.95 |
|
|
1,688,616,702.20 |
|
|
1,714,260,384.06 |
|
|
1,490,931,500.86 |
|
|
Local |
|
|
229,669,034.48 |
|
|
216,669,034.48 |
|
|
270,019,003.28 |
|
|
307,018,881.24 |
|
|
293,413,671.09 |
|
|
Foreign |
|
|
1,618,861,331.92 |
|
|
1,622,042,679.67 |
|
|
1,609,276,465.16 |
|
|
1,590,971,592.77 |
|
|
1,381,268,501.02 |
|
|
Less Allowance |
|
|
202,912,084.41 |
|
|
202,495,059.20 |
|
|
190,678,766.24 |
|
|
183,730,089.95 |
|
|
183,750,671.25 |
|
|
Local |
|
|
93,512,343.92 |
|
|
88,127,539.49 |
|
|
85,023,960.29 |
|
|
81,357,676.95 |
|
|
76,322,107.65 |
|
|
Foreign |
|
|
109,399,740.49 |
|
|
114,367,519.71 |
|
|
105,654,805.95 |
|
|
102,372,413.00 |
|
|
107,428,563.60 |
|
|
INVESTMENT SECURITIES |
|
|
112,447,442.98 |
|
|
110,568,084.48 |
|
|
109,614,880.51 |
|
|
106,486,356.60 |
|
|
103,416,671.19 |
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign |
|
|
112,447,442.98 |
|
|
110,568,084.48 |
|
|
109,614,880.51 |
|
|
106,486,356.60 |
|
|
103,416,671.19 |
|
|
Less Allowance |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Foreign |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
OTHER ASSETS |
|
|
61,241,400.29 |
|
|
72,747,194.07 |
|
|
70,673,887.44 |
|
|
70,416,358.73 |
|
|
46,565,866.10 |
|
|
Local |
|
|
5,069,422.26 |
|
|
4,919,303.22 |
|
|
5,134,214.91 |
|
|
6,093,325.52 |
|
|
6,197,247.69 |
|
|
Foreign |
|
|
56,171,978.03 |
|
|
67,827,890.85 |
|
|
65,539,672.53 |
|
|
64,323,033.21 |
|
|
40,368,618.41 |
|
|
TOTAL ASSETS |
|
|
1,951,536,320.60 |
|
|
1,964,790,393.94 |
|
|
2,022,752,544.07 |
|
|
2,080,800,952.13 |
|
|
1,854,317,463.44 |
|
|
DEPOSITS |
|
|
535,697,217.51 |
|
|
538,834,533.58 |
|
|
582,122,023.34 |
|
|
669,596,704.02 |
|
|
537,955,464.21 |
|
|
Local |
|
|
36,870,785.38 |
|
|
40,381,089.05 |
|
|
42,482,045.73 |
|
|
40,401,692.21 |
|
|
20,666,566.29 |
|
|
Government |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Customers |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Demand |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Time |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Savings |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
From Banks |
|
|
36,870,785.38 |
|
|
40,381,089.05 |
|
|
42,482,045.73 |
|
|
40,401,692.21 |
|
|
20,666,566.29 |
|
|
Demand |
|
|
5,906,842.96 |
|
|
8,412,221.10 |
|
|
7,417,202.75 |
|
|
4,421,814.59 |
|
|
4,925,918.91 |
|
|
Time |
|
|
30,963,942.42 |
|
|
31,968,867.95 |
|
|
35,064,842.98 |
|
|
35,979,877.62 |
|
|
15,740,647.38 |
|
|
Foreign |
|
|
498,826,432.13 |
|
|
498,453,444.53 |
|
|
539,639,977.61 |
|
|
629,195,011.81 |
|
|
517,288,897.92 |
|
|
Government |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Customers |
|
|
108,117,642.12 |
|
|
87,773,923.14 |
|
|
45,534,928.45 |
|
|
52,037,811.07 |
|
|
39,540,506.56 |
|
|
Demand |
|
|
5,117,642.12 |
|
|
1,773,923.14 |
|
|
1,534,928.45 |
|
|
1,536,131.07 |
|
|
1,540,506.56 |
|
|
Time |
|
|
103,000,000.00 |
|
|
86,000,000.00 |
|
|
44,000,000.00 |
|
|
50,501,680.00 |
|
|
38,000,000.00 |
|
|
Savings |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
From Banks |
|
|
390,708,790.01 |
|
|
410,679,521.39 |
|
|
494,105,049.16 |
|
|
577,157,200.74 |
|
|
477,748,391.36 |
|
|
Demand |
|
|
9,899,421.12 |
|
|
10,096,380.61 |
|
|
11,761,030.48 |
|
|
10,387,983.75 |
|
|
8,583,231.66 |
|
|
Time |
|
|
380,809,368.89 |
|
|
400,583,140.78 |
|
|
482,344,018.68 |
|
|
566,769,216.99 |
|
|
469,165,159.70 |
|
|
BORROWINGS |
|
|
831,663,808.85 |
|
|
835,118,294.17 |
|
|
817,166,704.50 |
|
|
802,651,839.32 |
|
|
726,928,902.58 |
|
|
Local |
|
|
21,633,511.00 |
|
|
21,633,511.00 |
|
|
20,961,247.80 |
|
|
20,964,945.60 |
|
|
20,964,945.60 |
|
|
Foreign |
|
|
810,030,297.85 |
|
|
813,484,783.17 |
|
|
796,205,456.70 |
|
|
781,686,893.72 |
|
|
705,963,956.98 |
|
|
OTHER LIABILITIES |
|
|
100,999,864.50 |
|
|
105,319,160.85 |
|
|
125,660,212.69 |
|
|
109,764,565.96 |
|
|
88,319,498.56 |
|
|
Local |
|
|
26,668,458.77 |
|
|
26,505,714.53 |
|
|
52,876,428.71 |
|
|
29,275,648.24 |
|
|
9,425,978.05 |
|
|
Foreign |
|
|
74,331,405.73 |
|
|
78,813,446.32 |
|
|
72,783,783.98 |
|
|
80,488,917.72 |
|
|
78,893,520.51 |
|
|
STOCKHOLDERS´ EQUITY |
|
|
482,602,339.74 |
|
|
485,518,405.34 |
|
|
497,803,603.54 |
|
|
498,787,842.83 |
|
|
501,113,598.09 |
|
|
Capital |
|
|
328,225,212.57 |
|
|
328,225,206.20 |
|
|
328,225,206.20 |
|
|
328,225,206.20 |
|
|
328,225,206.20 |
|
|
Capital Reserves |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
Other Reserves |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Retained Earnings |
|
|
98,480,590.21 |
|
|
98,480,590.21 |
|
|
98,480,590.21 |
|
|
94,545,316.43 |
|
|
94,545,316.43 |
|
|
Net Income |
|
|
28,353,232.45 |
|
|
32,044,307.92 |
|
|
45,163,182.37 |
|
|
50,313,997.65 |
|
|
52,616,325.79 |
|
|
Gain or Loss in Securities available for sale |
|
|
10,933,575.73 |
|
|
10,158,572.23 |
|
|
9,324,895.98 |
|
|
9,093,593.77 |
|
|
9,117,020.89 |
|
|
LIABILITIES AND STOCKHOLDER’S EQUITY |
|
|
1,950,963,230.60 |
|
|
1,964,790,393.94 |
|
|
2,022,752,544.07 |
|
|
2,080,800,952.13 |
|
|
1,854,317,463.44 |
|
|
|
|
2004 |
|
|||||||||||||
|
|
|
|
|
|||||||||||||
|
Description |
|
August |
|
September |
|
October |
|
November |
|
December |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
LIQUID ASSETS |
|
|
130,193,313.76 |
|
|
169,867,899.84 |
|
|
177,190,526.22 |
|
|
138,607,619.56 |
|
|
|
|
|
Local Deposits in Banks |
|
|
150,856.46 |
|
|
175,917.39 |
|
|
163,097.78 |
|
|
266,327.02 |
|
|
|
|
|
Demand |
|
|
150,856.46 |
|
|
175,917.39 |
|
|
163,097.78 |
|
|
266,327.02 |
|
|
|
|
|
Time |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Foreign Deposits in Banks |
|
|
129,926,870.28 |
|
|
169,591,318.70 |
|
|
176,868,875.99 |
|
|
138,203,179.72 |
|
|
|
|
|
Demand |
|
|
2,926,870.28 |
|
|
1,391,318.70 |
|
|
26,368,875.99 |
|
|
6,403,179.72 |
|
|
|
|
|
Time |
|
|
127,000,000.00 |
|
|
168,200,000.00 |
|
|
150,500,000.00 |
|
|
131,800,000.00 |
|
|
|
|
|
Less Allowance |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Foreign |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Others |
|
|
115,587.02 |
|
|
100,663.75 |
|
|
158,552.45 |
|
|
138,112.82 |
|
|
|
|
|
CREDIT PORTFOLIO |
|
|
1,505,938,373.49 |
|
|
1,639,544,017.64 |
|
|
1,698,331,787.80 |
|
|
2,109,208,427.02 |
|
|
|
|
|
Local |
|
|
291,413,547.13 |
|
|
354,413,265.05 |
|
|
296,577,427.10 |
|
|
315,077,300.22 |
|
|
|
|
|
Foreign |
|
|
1,381,796,027.09 |
|
|
1,445,948,439.22 |
|
|
1,511,286,576.93 |
|
|
1,897,478,264.12 |
|
|
|
|
|
Less Allowance |
|
|
167,271,200.73 |
|
|
160,817,686.63 |
|
|
109,532,216.23 |
|
|
103,347,137.32 |
|
|
|
|
|
Local |
|
|
75,857,566.79 |
|
|
76,333,103.60 |
|
|
33,221,508.25 |
|
|
31,837,553.92 |
|
|
|
|
|
Foreign |
|
|
91,413,633.94 |
|
|
84,484,583.03 |
|
|
76,310,707.98 |
|
|
71,509,583.40 |
|
|
|
|
|
INVESTMENT SECURITIES |
|
|
118,590,815.37 |
|
|
113,921,589.88 |
|
|
154,072,083.18 |
|
|
164,898,040.27 |
|
|
|
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Foreign |
|
|
118,590,815.37 |
|
|
113,921,589.88 |
|
|
154,072,083.18 |
|
|
164,898,040.27 |
|
|
|
|
|
Less Allowance |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Local |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Foreign |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
OTHER ASSETS |
|
|
67,561,622.22 |
|
|
84,316,776.16 |
|
|
70,853,166.24 |
|
|
56,472,552.04 |
|
|
|
|
|
Local |
|
|
6,216,771.59 |
|
|
6,727,555.40 |
|
|
6,266,118.83 |
|
|
6,221,384.08 |
|
|
|
|
|
Foreign |
|
|
61,344,850.63 |
|
|
77,589,220.76 |
|
|
64,587,047.41 |
|
|
50,251,167.96 |
|
|
|
|
|
TOTAL ASSETS |
|
|
1,822,284,124.84 |
|
|
2,007,650,283.52 |
|
|
2,100,447,563.44 |
|
|
2,469,186,638.89 |
|
|
|
|
|
DEPOSITS |
|
|
524,102,642.22 |
|
|
704,889,945.45 |
|
|
688,547,545.10 |
|
|
877,061,140.52 |
|
|
|
|
|
Local |
|
|
22,051,244.27 |
|
|
44,564,790.54 |
|
|
57,844,913.84 |
|
|
61,823,338.84 |
|
|
|
|
|
Government |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Customers |
|
|
0.00 |
|
|
0.00 |
|
|
101,306.04 |
|
|
103,734.49 |
|
|
|
|
|
Demand |
|
|
0.00 |
|
|
0.00 |
|
|
101,306.04 |
|
|
103,734.49 |
|
|
|
|
|
Time |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Savings |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
From Banks |
|
|
22,051,244.27 |
|
|
44,564,790.54 |
|
|
57,743,607.80 |
|
|
61,719,604.35 |
|
|
|
|
|
Demand |
|
|
5,998,529.44 |
|
|
9,556,780.83 |
|
|
9,643,127.25 |
|
|
6,646,692.71 |
|
|
|
|
|
Time |
|
|
16,052,714.83 |
|
|
35,008,009.71 |
|
|
48,100,480.55 |
|
|
55,072,911.64 |
|
|
|
|
|
Foreign |
|
|
502,051,397.95 |
|
|
660,325,154.91 |
|
|
630,702,631.26 |
|
|
815,237,801.68 |
|
|
|
|
|
Government |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Customers |
|
|
35,202,151.00 |
|
|
38,003,658.68 |
|
|
44,738,072.89 |
|
|
36,240,383.97 |
|
|
|
|
|
Demand |
|
|
1,202,151.00 |
|
|
1,203,658.68 |
|
|
1,238,072.89 |
|
|
1,240,383.97 |
|
|
|
|
|
Time |
|
|
34,000,000.00 |
|
|
36,800,000.00 |
|
|
43,500,000.00 |
|
|
35,000,000.00 |
|
|
|
|
|
Savings |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
From Banks |
|
|
466,849,246.95 |
|
|
622,321,496.23 |
|
|
585,964,558.37 |
|
|
778,997,417.71 |
|
|
|
|
|
Demand |
|
|
8,944,730.80 |
|
|
8,900,371.98 |
|
|
9,507,513.59 |
|
|
9,122,928.55 |
|
|
|
|
|
Time |
|
|
457,904,516.15 |
|
|
613,421,124.25 |
|
|
576,457,044.78 |
|
|
769,874,489.16 |
|
|
|
|
|
BORROWINGS |
|
|
681,792,941.40 |
|
|
660,122,570.42 |
|
|
781,233,812.11 |
|
|
836,731,575.65 |
|
|
|
|
|
Local |
|
|
20,964,945.60 |
|
|
20,946,399.00 |
|
|
30,446,399.00 |
|
|
22,916,010.00 |
|
|
|
|
|
Foreign |
|
|
660,827,995.80 |
|
|
639,176,171.42 |
|
|
750,787,413.11 |
|
|
813,815,565.65 |
|
|
|
|
|
OTHER LIABILITIES |
|
|
100,005,439.27 |
|
|
162,996,110.65 |
|
|
107,356,680.46 |
|
|
91,554,819.03 |
|
|
|
|
|
Local |
|
|
2,990,720.75 |
|
|
3,548,609.89 |
|
|
3,823,938.56 |
|
|
3,981,618.97 |
|
|
|
|
|
Foreign |
|
|
97,014,718.52 |
|
|
159,447,500.76 |
|
|
103,532,741.90 |
|
|
87,573,200.06 |
|
|
|
|
|
STOCKHOLDERS´ EQUITY |
|
|
516,383,101.95 |
|
|
479,641,657.00 |
|
|
523,309,525.77 |
|
|
663,839,103.69 |
|
|
|
|
|
Capital |
|
|
328,225,206.20 |
|
|
324,430,069.66 |
|
|
320,697,556.08 |
|
|
320,697,556.08 |
|
|
|
|
|
Capital Reserves |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
95,210,153.67 |
|
|
|
|
|
Other Reserves |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Retained Earnings |
|
|
94,545,316.41 |
|
|
49,555,548.63 |
|
|
49,555,542.04 |
|
|
103,124,338.95 |
|
|
|
|
|
Net Income |
|
|
67,563,740.00 |
|
|
82,261,365.76 |
|
|
129,462,724.38 |
|
|
138,647,481.76 |
|
|
|
|
|
Gain or Loss in Securities available for sale |
|
|
9,439,110.56 |
|
|
6,784,944.17 |
|
|
6,983,974.49 |
|
|
6,159,573.23 |
|
|
|
|
|
LIABILITIES AND STOCKHOLDER’S EQUITY |
|
|
1,822,284,124.84 |
|
|
2,007,650,283.52 |
|
|
2,100,447,563.44 |
|
|
2,469,186,638.89 |
|
|
|
|
| |
|
* Includes only Panama - New York accounts. |
|
|
STATEMENTS OF INCOME * (In Balboas)** |
January 14, 2005 |
|
Description |
|
January |
|
February |
|
March |
|
I Quarter |
|
April |
|
May |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest Income |
|
|
6,554,346.26 |
|
|
4,920,235.16 |
|
|
5,734,864.07 |
|
|
17,209,445.49 |
|
|
6,380,969.21 |
|
|
4,264,633.98 |
|
|
Loans |
|
|
5,806,089.31 |
|
|
4,357,928.60 |
|
|
5,135,119.62 |
|
|
15,299,137.53 |
|
|
5,863,136.60 |
|
|
3,739,030.99 |
|
|
Deposits |
|
|
134,326.48 |
|
|
151,395.63 |
|
|
195,196.95 |
|
|
480,919.06 |
|
|
117,950.90 |
|
|
125,544.66 |
|
|
Investments |
|
|
613,930.47 |
|
|
410,910.93 |
|
|
404,547.50 |
|
|
1,429,388.90 |
|
|
399,881.71 |
|
|
400,058.33 |
|
|
Interest Expense |
|
|
2,503,583.65 |
|
|
2,302,555.27 |
|
|
2,483,510.96 |
|
|
7,289,649.88 |
|
|
1,968,282.79 |
|
|
1,574,042.61 |
|
|
Interest |
|
|
2,463,551.58 |
|
|
2,289,995.94 |
|
|
2,487,621.71 |
|
|
7,241,169.23 |
|
|
1,967,086.81 |
|
|
1,573,928.57 |
|
|
Commissions |
|
|
40,032.07 |
|
|
12,559.33 |
|
|
-4,110.75 |
|
|
48,480.65 |
|
|
1,195.98 |
|
|
114.04 |
|
|
Net Interest Income |
|
|
4,050,762.61 |
|
|
2,617,679.89 |
|
|
3,251,353.11 |
|
|
9,919,795.61 |
|
|
4,412,686.42 |
|
|
2,690,591.37 |
|
|
Other Income |
|
|
574,025.74 |
|
|
440,603.31 |
|
|
840,675.99 |
|
|
1,855,305.04 |
|
|
1,113,133.33 |
|
|
-433,346.43 |
|
|
Commissions |
|
|
548,963.99 |
|
|
665,864.96 |
|
|
509,460.70 |
|
|
1,724,289.65 |
|
|
448,767.69 |
|
|
534,153.82 |
|
|
Foreign currency operations |
|
|
-4,122.82 |
|
|
3,312.45 |
|
|
-188.10 |
|
|
-998.47 |
|
|
-5,276.39 |
|
|
-221,370.05 |
|
|
Other Income |
|
|
29,184.57 |
|
|
-228,574.10 |
|
|
331,403.39 |
|
|
132,013.86 |
|
|
669,642.03 |
|
|
-746,130.20 |
|
|
Operating Income |
|
|
4,624,788.35 |
|
|
3,058,283.20 |
|
|
4,092,029.10 |
|
|
11,775,100.65 |
|
|
5,525,819.75 |
|
|
2,257,244.94 |
|
|
Operating Expenses |
|
|
1,845,294.21 |
|
|
-262,208.98 |
|
|
75,177.76 |
|
|
1,658,262.99 |
|
|
1,834,744.28 |
|
|
853,496.71 |
|
|
Administrative expenses |
|
|
1,019,194.48 |
|
|
989,036.77 |
|
|
1,142,090.66 |
|
|
3,150,321.91 |
|
|
1,081,277.48 |
|
|
1,121,934.67 |
|
|
General expenses |
|
|
149,318.22 |
|
|
313,300.33 |
|
|
258,581.00 |
|
|
721,199.55 |
|
|
461,578.86 |
|
|
384,344.75 |
|
|
Depreciation |
|
|
119,749.86 |
|
|
113,223.73 |
|
|
121,469.30 |
|
|
354,442.89 |
|
|
114,761.87 |
|
|
108,282.02 |
|
|
Other expenses |
|
|
557,031.65 |
|
|
-1,677,769.81 |
|
|
-1,446,963.20 |
|
|
-2,567,701.36 |
|
|
177,126.07 |
|
|
-761,064.73 |
|
|
Net Income before provision for loan losses |
|
|
2,779,494.14 |
|
|
3,320,492.18 |
|
|
4,016,851.34 |
|
|
10,116,837.66 |
|
|
3,691,075.47 |
|
|
1,403,748.23 |
|
|
Provision for loan losses |
|
|
-7,813,682.87 |
|
|
-3,878,544.87 |
|
|
-6,544,167.05 |
|
|
-18,236,394.79 |
|
|
0.00 |
|
|
-11,715,126.22 |
|
|
Net Income |
|
|
10,593,177.01 |
|
|
7,199,037.05 |
|
|
10,561,018.39 |
|
|
28,353,232.45 |
|
|
3,691,075.47 |
|
|
13,118,874.45 |
|
|
Description |
|
June |
|
II Quarter |
|
July |
|
August |
|
September |
|
III Quarter |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest Income |
|
|
4,805,777.19 |
|
|
15,451,380.38 |
|
|
5,956,173.81 |
|
|
5,166,109.73 |
|
|
5,016,525.73 |
|
|
16,138,809.27 |
|
|
Loans |
|
|
4,260,070.42 |
|
|
13,862,238.01 |
|
|
5,163,280.23 |
|
|
4,542,470.61 |
|
|
4,360,667.64 |
|
|
14,066,418.48 |
|
|
Deposits |
|
|
155,602.07 |
|
|
399,097.63 |
|
|
214,359.27 |
|
|
249,705.79 |
|
|
158,509.63 |
|
|
622,574.69 |
|
|
Investments |
|
|
390,104.70 |
|
|
1,190,044.74 |
|
|
578,534.31 |
|
|
373,933.33 |
|
|
497,348.46 |
|
|
1,449,816.10 |
|
|
Interest Expense |
|
|
2,216,807.28 |
|
|
5,759,132.68 |
|
|
2,330,486.54 |
|
|
2,217,689.27 |
|
|
2,326,541.71 |
|
|
6,874,717.52 |
|
|
Interest |
|
|
2,192,519.50 |
|
|
5,733,534.88 |
|
|
2,329,681.19 |
|
|
2,207,240.49 |
|
|
2,323,776.21 |
|
|
6,860,697.89 |
|
|
Commissions |
|
|
24,287.78 |
|
|
25,597.80 |
|
|
805.35 |
|
|
10,448.78 |
|
|
2,765.50 |
|
|
14,019.63 |
|
|
Net Interest Income |
|
|
2,588,969.91 |
|
|
9,692,247.70 |
|
|
3,625,687.27 |
|
|
2,948,420.46 |
|
|
2,689,984.02 |
|
|
9,264,091.75 |
|
|
Other Income |
|
|
844,248.66 |
|
|
1,524,035.56 |
|
|
521,012.50 |
|
|
553,427.79 |
|
|
3,155,863.69 |
|
|
4,230,303.98 |
|
|
Commissions |
|
|
489,646.56 |
|
|
1,472,568.07 |
|
|
470,706.87 |
|
|
532,085.51 |
|
|
619,004.22 |
|
|
1,621,796.60 |
|
|
Foreign currency operations |
|
|
9,394.48 |
|
|
-217,251.96 |
|
|
4,346.44 |
|
|
9,062.27 |
|
|
7,044.17 |
|
|
20,452.88 |
|
|
Other Income |
|
|
345,207.62 |
|
|
268,719.45 |
|
|
45,959.19 |
|
|
12,280.01 |
|
|
2,529,815.30 |
|
|
2,588,054.50 |
|
|
Operating Income |
|
|
3,433,218.57 |
|
|
11,216,283.26 |
|
|
4,146,699.77 |
|
|
3,501,848.25 |
|
|
5,845,847.71 |
|
|
13,494,395.73 |
|
|
Operating Expenses |
|
|
6,189,508.90 |
|
|
8,877,749.89 |
|
|
1,959,913.45 |
|
|
3,998,620.76 |
|
|
2,588,409.30 |
|
|
8,546,943.51 |
|
|
Administrative expenses |
|
|
1,350,628.36 |
|
|
3,553,840.51 |
|
|
1,217,381.40 |
|
|
1,007,599.62 |
|
|
836,890.09 |
|
|
3,061,871.11 |
|
|
General expenses |
|
|
388,900.71 |
|
|
1,234,824.32 |
|
|
425,342.92 |
|
|
355,190.17 |
|
|
206,326.84 |
|
|
986,859.93 |
|
|
Depreciation |
|
|
111,227.05 |
|
|
334,270.94 |
|
|
139,814.92 |
|
|
95,478.93 |
|
|
89,960.76 |
|
|
325,254.61 |
|
|
Other expenses |
|
|
4,338,752.78 |
|
|
3,754,814.12 |
|
|
177,374.21 |
|
|
2,540,352.04 |
|
|
1,455,231.61 |
|
|
4,172,957.86 |
|
|
Net Income before provision for loan losses |
|
|
-2,756,290.33 |
|
|
2,338,533.37 |
|
|
2,186,786.32 |
|
|
-496,772.51 |
|
|
3,257,438.41 |
|
|
4,947,452.22 |
|
|
Provision for loan losses |
|
|
-7,907,105.61 |
|
|
-19,622,231.83 |
|
|
0.00 |
|
|
-15,444,186.71 |
|
|
-11,440,187.37 |
|
|
-26,884,374.08 |
|
|
Net Income |
|
|
5,150,815.28 |
|
|
21,960,765.20 |
|
|
2,186,786.32 |
|
|
14,947,414.20 |
|
|
14,697,625.78 |
|
|
31,831,826.30 |
|
|
Description |
|
October |
|
November |
|
December |
|
IV Quarter |
|
Year to date |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest Income |
|
|
6,814,915.23 |
|
|
4,873,410.79 |
|
|
|
|
|
11,688,326.02 |
|
|
60,487,961.16 |
|
|
Loans |
|
|
6,081,391.09 |
|
|
4,053,339.70 |
|
|
|
|
|
10,134,730.79 |
|
|
53,362,524.81 |
|
|
Deposits |
|
|
245,743.38 |
|
|
216,620.13 |
|
|
|
|
|
462,363.51 |
|
|
1,964,954.89 |
|
|
Investments |
|
|
487,780.76 |
|
|
603,450.96 |
|
|
|
|
|
1,091,231.72 |
|
|
5,160,481.46 |
|
|
Interest Expense |
|
|
2,712,286.33 |
|
|
3,884,801.56 |
|
|
|
|
|
6,597,087.89 |
|
|
26,520,587.97 |
|
|
Interest |
|
|
2,709,335.73 |
|
|
3,878,607.85 |
|
|
|
|
|
6,587,943.58 |
|
|
26,423,345.58 |
|
|
Commissions |
|
|
2,950.60 |
|
|
6,193.71 |
|
|
|
|
|
9,144.31 |
|
|
97,242.39 |
|
|
Net Interest Income |
|
|
4,102,628.90 |
|
|
988,609.23 |
|
|
|
|
|
5,091,238.13 |
|
|
33,967,373.19 |
|
|
Other Income |
|
|
434,605.72 |
|
|
411,566.00 |
|
|
|
|
|
846,171.72 |
|
|
8,455,816.30 |
|
|
Commissions |
|
|
377,393.03 |
|
|
393,211.87 |
|
|
|
|
|
770,604.90 |
|
|
5,589,259.22 |
|
|
Foreign currency operations |
|
|
-1,120.64 |
|
|
18,354.13 |
|
|
|
|
|
17,233.49 |
|
|
-180,564.06 |
|
|
Other Income |
|
|
58,333.33 |
|
|
0.00 |
|
|
|
|
|
58,333.33 |
|
|
3,047,121.14 |
|
|
Operating Income |
|
|
4,537,234.62 |
|
|
1,400,175.23 |
|
|
|
|
|
5,937,409.85 |
|
|
42,423,189.49 |
|
|
Operating Expenses |
|
|
1,965,379.02 |
|
|
1,550,281.12 |
|
|
|
|
|
3,515,660.14 |
|
|
22,598,616.53 |
|
|
Administrative expenses |
|
|
1,411,948.09 |
|
|
891,354.66 |
|
|
|
|
|
2,303,302.75 |
|
|
12,069,336.28 |
|
|
General expenses |
|
|
289,203.07 |
|
|
387,756.29 |
|
|
|
|
|
676,959.36 |
|
|
3,619,843.16 |
|
|
Depreciation |
|
|
91,482.49 |
|
|
72,565.21 |
|
|
|
|
|
164,047.70 |
|
|
1,178,016.14 |
|
|
Other expenses |
|
|
172,745.37 |
|
|
198,604.96 |
|
|
|
|
|
371,350.33 |
|
|
5,731,420.95 |
|
|
Net Income before provision for loan losses |
|
|
2,571,855.60 |
|
|
-150,105.89 |
|
|
|
|
|
2,421,749.71 |
|
|
19,824,572.96 |
|
|
Provision for loan losses |
|
|
-44,629,503.00 |
|
|
-3,078,000.00 |
|
|
|
|
|
-47,707,503.00 |
|
|
-112,450,503.70 |
|
|
Net Income |
|
|
47,201,358.60 |
|
|
2,927,894.11 |
|
|
|
|
|
50,129,252.71 |
|
|
132,275,076.66 |
|
| |
|
* Includes only Panama - New York accounts. |
|
|
BANCO LATINOAMERICANO DE EXPORTACIONES |
14 de Enero 2005 |
|
|
|
|
|
|
|
|
|
2003 |
|
2004 |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
Descripción |
|
Absoluta |
|
% |
|
Diciembre |
|
Enero |
|
Febrero |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
ACTIVOS LIQUIDOS |
|
|
-52,192,323.62 |
|
|
-27.35 |
|
|
190,799,943.18 |
|
|
192,064,648.30 |
|
|
234,316,239.13 |
|
|
Depositos Locales en Bancos |
|
|
111,459.93 |
|
|
71.97 |
|
|
154,867.09 |
|
|
148,473.17 |
|
|
172,395.85 |
|
|
A la Vista |
|
|
111,459.93 |
|
|
71.97 |
|
|
154,867.09 |
|
|
148,473.17 |
|
|
172,395.85 |
|
|
A Plazo |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Depositos Extranjeros en Bancos |
|
|
-52,316,339.70 |
|
|
-27.46 |
|
|
190,519,519.42 |
|
|
191,777,453.20 |
|
|
234,061,676.10 |
|
|
A la Vista |
|
|
5,682,696.41 |
|
|
788.73 |
|
|
720,483.31 |
|
|
3,182,508.52 |
|
|
2,934,580.72 |
|
|
A Plazo |
|
|
-57,999,036.11 |
|
|
-30.56 |
|
|
189,799,036.11 |
|
|
188,594,944.68 |
|
|
231,127,095.38 |
|
|
Menos Provisiones |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Extranjero |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Otros |
|
|
12,556.15 |
|
|
10.00 |
|
|
125,556.67 |
|
|
138,721.93 |
|
|
82,167.18 |
|
|
CARTERA CREDITICIA |
|
|
374,071,755.64 |
|
|
21.56 |
|
|
1,735,136,671.38 |
|
|
1,729,608,465.58 |
|
|
1,677,488,314.06 |
|
|
Locales |
|
|
-2,016,369.26 |
|
|
-0.64 |
|
|
317,093,669.48 |
|
|
267,845,944.48 |
|
|
272,595,944.48 |
|
|
Extranjero |
|
|
258,026,501.69 |
|
|
15.74 |
|
|
1,639,451,762.43 |
|
|
1,675,357,598.76 |
|
|
1,614,608,902.37 |
|
|
Menos Provisiones |
|
|
-118,061,623.21 |
|
|
-53.32 |
|
|
221,408,760.53 |
|
|
213,595,077.66 |
|
|
209,716,532.79 |
|
|
Locales |
|
|
-74,028,591.26 |
|
|
-69.93 |
|
|
105,866,145.18 |
|
|
100,059,570.12 |
|
|
95,403,704.25 |
|
|
Extranjero |
|
|
-44,033,031.95 |
|
|
-38.11 |
|
|
115,542,615.35 |
|
|
113,535,507.54 |
|
|
114,312,828.54 |
|
|
INVERSIONES EN VALORES |
|
|
52,602,792.38 |
|
|
46.84 |
|
|
112,295,247.89 |
|
|
111,905,462.66 |
|
|
111,673,317.31 |
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Extranjero |
|
|
52,602,792.38 |
|
|
46.84 |
|
|
112,295,247.89 |
|
|
111,905,462.66 |
|
|
111,673,317.31 |
|
|
Menos Provisiones |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Extranjero |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
OTROS ACTIVOS |
|
|
5,584,468.35 |
|
|
10.97 |
|
|
50,888,083.69 |
|
|
64,583,832.22 |
|
|
63,669,397.02 |
|
|
Locales |
|
|
51,374.32 |
|
|
0.83 |
|
|
6,170,009.76 |
|
|
5,967,530.86 |
|
|
6,004,000.34 |
|
|
Extranjero |
|
|
5,533,094.03 |
|
|
12.37 |
|
|
44,718,073.93 |
|
|
58,616,301.36 |
|
|
57,665,396.68 |
|
|
TOTAL DE ACTIVOS |
|
|
380,066,692.75 |
|
|
18.19 |
|
|
2,089,119,946.14 |
|
|
2,098,162,408.76 |
|
|
2,087,147,267.52 |
|
|
DEPOSITOS |
|
|
362,646,824.49 |
|
|
70.50 |
|
|
514,414,316.03 |
|
|
518,360,985.90 |
|
|
521,737,597.31 |
|
|
Locales |
|
|
18,235,853.26 |
|
|
41.84 |
|
|
43,587,485.58 |
|
|
45,390,804.32 |
|
|
42,062,496.54 |
|
|
Oficiales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Particuales |
|
|
103,734.49 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
A la Vista |
|
|
103,734.49 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
A Plazo |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Ahorros |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Bancos |
|
|
18,132,118.77 |
|
|
41.60 |
|
|
43,587,485.58 |
|
|
45,390,804.32 |
|
|
42,062,496.54 |
|
|
A la Vista |
|
|
2,050,868.39 |
|
|
44.62 |
|
|
4,595,824.32 |
|
|
6,094,329.66 |
|
|
6,101,933.23 |
|
|
A Plazo |
|
|
16,081,250.38 |
|
|
41.24 |
|
|
38,991,661.26 |
|
|
39,296,474.66 |
|
|
35,960,563.31 |
|
|
Extranjero |
|
|
344,410,971.23 |
|
|
73.15 |
|
|
470,826,830.45 |
|
|
472,970,181.58 |
|
|
479,675,100.77 |
|
|
Oficiales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Particulares |
|
|
-107,829,339.22 |
|
|
-74.85 |
|
|
144,069,723.19 |
|
|
99,357,945.44 |
|
|
87,518,635.29 |
|
|
A la Vista |
|
|
-2,155,477.49 |
|
|
-63.47 |
|
|
3,395,861.46 |
|
|
1,757,945.44 |
|
|
3,518,635.29 |
|
|
A Plazo |
|
|
-105,673,861.73 |
|
|
-75.12 |
|
|
140,673,861.73 |
|
|
97,600,000.00 |
|
|
84,000,000.00 |
|
|
De Ahorros |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Bancos |
|
|
452,240,310.45 |
|
|
138.40 |
|
|
326,757,107.26 |
|
|
373,612,236.14 |
|
|
392,156,465.48 |
|
|
A la Vista |
|
|
-1,977,618.45 |
|
|
-17.82 |
|
|
11,100,547.00 |
|
|
14,459,263.26 |
|
|
10,376,666.71 |
|
|
A Plazo |
|
|
454,217,928.90 |
|
|
143.90 |
|
|
315,656,560.26 |
|
|
359,152,972.88 |
|
|
381,779,798.77 |
|
|
OBLIGACIONES |
|
|
-184,227,807.28 |
|
|
-18.04 |
|
|
1,020,959,382.93 |
|
|
1,004,876,078.51 |
|
|
981,368,587.28 |
|
|
Locales |
|
|
1,312,199.20 |
|
|
6.07 |
|
|
21,603,810.80 |
|
|
21,603,810.80 |
|
|
21,603,810.80 |
|
|
Extranjero |
|
|
-185,540,006.48 |
|
|
-18.57 |
|
|
999,355,572.13 |
|
|
983,272,267.71 |
|
|
959,764,776.48 |
|
|
OTROS PASIVOS |
|
|
-5,064,396.56 |
|
|
-5.24 |
|
|
96,619,215.59 |
|
|
107,357,098.15 |
|
|
109,077,967.55 |
|
|
Locales |
|
|
-26,365,554.11 |
|
|
-86.88 |
|
|
30,347,173.08 |
|
|
31,567,311.00 |
|
|
35,806,705.76 |
|
|
Extranjero |
|
|
21,301,157.55 |
|
|
32.14 |
|
|
66,272,042.51 |
|
|
75,789,787.15 |
|
|
73,271,261.79 |
|
|
PATRIMONIO |
|
|
206,712,072.10 |
|
|
45.22 |
|
|
457,127,031.59 |
|
|
467,568,246.20 |
|
|
474,963,115.38 |
|
|
Capital |
|
|
-7,527,656.49 |
|
|
-2.29 |
|
|
328,225,212.57 |
|
|
328,225,212.57 |
|
|
328,225,212.57 |
|
|
Reservas de Capital |
|
|
78,600,424.89 |
|
|
473.22 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
Otras Reservas |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Utilidad de Periodos Anteriores |
|
|
102,459,839.86 |
|
|
15,419.11 |
|
|
664,499.09 |
|
|
102,415,864.02 |
|
|
102,415,864.02 |
|
|
Utilidad de Periodo |
|
|
36,896,116.83 |
|
|
36.26 |
|
|
101,751,364.93 |
|
|
10,593,177.01 |
|
|
17,792,214.06 |
|
|
Ganancia o Perdida en Valores Disponible para la venta |
|
|
-3,716,652.99 |
|
|
-37.63 |
|
|
9,876,226.22 |
|
|
9,724,263.82 |
|
|
9,920,095.95 |
|
|
PASIVO Y PATRIMONIO |
|
|
380,066,692.75 |
|
|
18.19 |
|
|
2,089,119,946.14 |
|
|
2,098,162,408.76 |
|
|
2,087,147,267.52 |
|
|
|
|
2004 |
|
|||||||||||||
|
|
|
|
|
|||||||||||||
|
Descripción |
|
Marzo |
|
Abril |
|
Mayo |
|
Junio |
|
Julio |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
ACTIVOS LIQUIDOS |
|
|
132,229,195.34 |
|
|
145,258,460.44 |
|
|
153,847,073.92 |
|
|
189,637,852.74 |
|
|
213,403,425.29 |
|
|
Depositos Locales en Bancos |
|
|
148,973.07 |
|
|
151,332.83 |
|
|
804,092.05 |
|
|
161,327.61 |
|
|
151,562.45 |
|
|
A la Vista |
|
|
148,973.07 |
|
|
151,332.83 |
|
|
804,092.05 |
|
|
161,327.61 |
|
|
151,562.45 |
|
|
A Plazo |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Depositos Extranjeros en Bancos |
|
|
131,933,367.96 |
|
|
144,997,230.65 |
|
|
152,964,580.58 |
|
|
189,407,623.34 |
|
|
213,040,396.13 |
|
|
A la Vista |
|
|
2,833,367.96 |
|
|
2,797,230.65 |
|
|
1,764,580.58 |
|
|
1,707,623.34 |
|
|
41,240,396.13 |
|
|
A Plazo |
|
|
129,100,000.00 |
|
|
142,200,000.00 |
|
|
151,200,000.00 |
|
|
187,700,000.00 |
|
|
171,800,000.00 |
|
|
Menos Provisiones |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Extranjero |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Otros |
|
|
146,854.31 |
|
|
109,896.96 |
|
|
78,401.29 |
|
|
68,901.79 |
|
|
211,466.71 |
|
|
CARTERA CREDITICIA |
|
|
1,645,045,191.99 |
|
|
1,636,216,654.95 |
|
|
1,688,616,702.20 |
|
|
1,714,260,384.06 |
|
|
1,490,931,500.86 |
|
|
Locales |
|
|
229,095,944.48 |
|
|
216,669,034.48 |
|
|
270,019,003.28 |
|
|
307,018,881.24 |
|
|
293,413,671.09 |
|
|
Extranjero |
|
|
1,618,861,331.92 |
|
|
1,622,042,679.67 |
|
|
1,609,276,465.16 |
|
|
1,590,971,592.77 |
|
|
1,381,268,501.02 |
|
|
Menos Provisiones |
|
|
202,912,084.41 |
|
|
202,495,059.20 |
|
|
190,678,766.24 |
|
|
183,730,089.95 |
|
|
183,750,671.25 |
|
|
Locales |
|
|
93,512,343.92 |
|
|
88,127,539.49 |
|
|
85,023,960.29 |
|
|
81,357,676.95 |
|
|
76,322,107.65 |
|
|
Extranjero |
|
|
109,399,740.49 |
|
|
114,367,519.71 |
|
|
105,654,805.95 |
|
|
102,372,413.00 |
|
|
107,428,563.60 |
|
|
INVERSIONES EN VALORES |
|
|
112,447,442.98 |
|
|
110,568,084.48 |
|
|
109,614,880.51 |
|
|
106,486,356.60 |
|
|
103,416,671.19 |
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Extranjero |
|
|
112,447,442.98 |
|
|
110,568,084.48 |
|
|
109,614,880.51 |
|
|
106,486,356.60 |
|
|
103,416,671.19 |
|
|
Menos Provisiones |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Extranjero |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
OTROS ACTIVOS |
|
|
61,241,400.29 |
|
|
72,747,194.07 |
|
|
70,673,887.44 |
|
|
70,416,358.73 |
|
|
46,565,866.10 |
|
|
Locales |
|
|
5,069,422.26 |
|
|
4,919,303.22 |
|
|
5,134,214.91 |
|
|
6,093,325.52 |
|
|
6,197,247.69 |
|
|
Extranjero |
|
|
56,171,978.03 |
|
|
67,827,890.85 |
|
|
65,539,672.53 |
|
|
64,323,033.21 |
|
|
40,368,618.41 |
|
|
TOTAL DE ACTIVOS |
|
|
1,950,963,230.60 |
|
|
1,964,790,393.94 |
|
|
2,022,752,544.07 |
|
|
2,080,800,952.13 |
|
|
1,854,317,463.44 |
|
|
DEPOSITOS |
|
|
535,697,217.51 |
|
|
538,834,533.58 |
|
|
582,122,023.34 |
|
|
669,596,704.02 |
|
|
537,955,464.21 |
|
|
Locales |
|
|
36,870,785.38 |
|
|
40,381,089.05 |
|
|
42,482,045.73 |
|
|
40,401,692.21 |
|
|
20,666,566.29 |
|
|
Oficiales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Particuales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
A la Vista |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
A Plazo |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Ahorros |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Bancos |
|
|
36,870,785.38 |
|
|
40,381,089.05 |
|
|
42,482,045.73 |
|
|
40,401,692.21 |
|
|
20,666,566.29 |
|
|
A la Vista |
|
|
5,906,842.96 |
|
|
8,412,221.10 |
|
|
7,417,202.75 |
|
|
4,421,814.59 |
|
|
4,925,918.91 |
|
|
A Plazo |
|
|
30,963,942.42 |
|
|
31,968,867.95 |
|
|
35,064,842.98 |
|
|
35,979,877.62 |
|
|
15,740,647.38 |
|
|
Extranjero |
|
|
498,826,432.13 |
|
|
498,453,444.53 |
|
|
539,639,977.61 |
|
|
629,195,011.81 |
|
|
517,288,897.92 |
|
|
Oficiales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Particulares |
|
|
108,117,642.12 |
|
|
87,773,923.14 |
|
|
45,534,928.45 |
|
|
52,037,811.07 |
|
|
39,540,506.56 |
|
|
A la Vista |
|
|
5,117,642.12 |
|
|
1,773,923.14 |
|
|
1,534,928.45 |
|
|
1,536,131.07 |
|
|
1,540,506.56 |
|
|
A Plazo |
|
|
103,000,000.00 |
|
|
86,000,000.00 |
|
|
44,000,000.00 |
|
|
50,501,680.00 |
|
|
38,000,000.00 |
|
|
De Ahorros |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
De Bancos |
|
|
390,708,790.01 |
|
|
410,679,521.39 |
|
|
494,105,049.16 |
|
|
577,157,200.74 |
|
|
477,748,391.36 |
|
|
A la Vista |
|
|
9,899,421.12 |
|
|
10,096,380.61 |
|
|
11,761,030.48 |
|
|
10,387,983.75 |
|
|
8,583,231.66 |
|
|
A Plazo |
|
|
380,809,368.89 |
|
|
400,583,140.78 |
|
|
482,344,018.68 |
|
|
566,769,216.99 |
|
|
469,165,159.70 |
|
|
OBLIGACIONES |
|
|
831,663,808.85 |
|
|
835,118,294.17 |
|
|
817,166,704.50 |
|
|
802,651,839.32 |
|
|
726,928,902.58 |
|
|
Locales |
|
|
21,633,511.00 |
|
|
21,633,511.00 |
|
|
20,961,247.80 |
|
|
20,964,945.60 |
|
|
20,964,945.60 |
|
|
Extranjero |
|
|
810,030,297.85 |
|
|
813,484,783.17 |
|
|
796,205,456.70 |
|
|
781,686,893.72 |
|
|
705,963,956.98 |
|
|
OTROS PASIVOS |
|
|
100,999,864.50 |
|
|
105,319,160.85 |
|
|
125,660,212.69 |
|
|
109,764,565.96 |
|
|
88,319,498.56 |
|
|
Locales |
|
|
26,668,458.77 |
|
|
26,505,714.53 |
|
|
52,876,428.71 |
|
|
29,275,648.24 |
|
|
9,425,978.05 |
|
|
Extranjero |
|
|
74,331,405.73 |
|
|
78,813,446.32 |
|
|
72,783,783.98 |
|
|
80,488,917.72 |
|
|
78,893,520.51 |
|
|
PATRIMONIO |
|
|
482,602,339.74 |
|
|
485,518,405.34 |
|
|
497,803,603.54 |
|
|
498,787,842.83 |
|
|
501,113,598.09 |
|
|
Capital |
|
|
328,225,212.57 |
|
|
328,225,206.20 |
|
|
328,225,206.20 |
|
|
328,225,206.20 |
|
|
328,225,206.20 |
|
|
Reservas de Capital |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
Otras Reservas |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
Utilidad de Periodos Anteriores |
|
|
98,480,590.21 |
|
|
98,480,590.21 |
|
|
98,480,590.21 |
|
|
94,545,316.43 |
|
|
94,545,316.43 |
|
|
Utilidad de Periodo |
|
|
28,353,232.45 |
|
|
32,044,307.92 |
|
|
45,163,182.37 |
|
|
50,313,997.65 |
|
|
52,616,325.79 |
|
|
Ganancia o Perdida en Valores Disponible para la venta |
|
|
10,933,575.73 |
|
|
10,158,572.23 |
|
|
9,324,895.98 |
|
|
9,093,593.77 |
|
|
9,117,020.89 |
|
|
PASIVO Y PATRIMONIO |
|
|
1,950,963,230.60 |
|
|
1,964,790,393.94 |
|
|
2,022,752,544.07 |
|
|
2,080,800,952.13 |
|
|
1,854,317,463.44 |
|
|
|
|
2004 |
|
|||||||||||||
|
|
|
|
|
|||||||||||||
|
Descripción |
|
Agosto |
|
Septiembre |
|
Octubre |
|
Noviembre |
|
Diciembre |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|||||
|
ACTIVOS LIQUIDOS |
|
|
130,193,313.76 |
|
|
169,867,899.84 |
|
|
177,190,526.22 |
|
|
138,607,619.56 |
|
|
|
|
|
Depositos Locales en Bancos |
|
|
150,856.46 |
|
|
175,917.39 |
|
|
163,097.78 |
|
|
266,327.02 |
|
|
|
|
|
A la Vista |
|
|
150,856.46 |
|
|
175,917.39 |
|
|
163,097.78 |
|
|
266,327.02 |
|
|
|
|
|
A Plazo |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Depositos Extranjeros en Bancos |
|
|
129,926,870.28 |
|
|
169,591,318.70 |
|
|
176,868,875.99 |
|
|
138,203,179.72 |
|
|
|
|
|
A la Vista |
|
|
2,926,870.28 |
|
|
1,391,318.70 |
|
|
26,368,875.99 |
|
|
6,403,179.72 |
|
|
|
|
|
A Plazo |
|
|
127,000,000.00 |
|
|
168,200,000.00 |
|
|
150,500,000.00 |
|
|
131,800,000.00 |
|
|
|
|
|
Menos Provisiones |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Extranjero |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Otros |
|
|
115,587.02 |
|
|
100,663.75 |
|
|
158,552.45 |
|
|
138,112.82 |
|
|
|
|
|
CARTERA CREDITICIA |
|
|
1,505,938,373.49 |
|
|
1,639,544,017.64 |
|
|
1,698,331,787.80 |
|
|
2,109,208,427.02 |
|
|
|
|
|
Locales |
|
|
291,413,547.13 |
|
|
354,413,265.05 |
|
|
296,577,427.10 |
|
|
315,077,300.22 |
|
|
|
|
|
Extranjero |
|
|
1,381,796,027.09 |
|
|
1,445,948,439.22 |
|
|
1,511,286,576.93 |
|
|
1,897,478,264.12 |
|
|
|
|
|
Menos Provisiones |
|
|
167,271,200.73 |
|
|
160,817,686.63 |
|
|
109,532,216.23 |
|
|
103,347,137.32 |
|
|
|
|
|
Locales |
|
|
75,857,566.79 |
|
|
76,333,103.60 |
|
|
33,221,508.25 |
|
|
31,837,553.92 |
|
|
|
|
|
Extranjero |
|
|
91,413,633.94 |
|
|
84,484,583.03 |
|
|
76,310,707.98 |
|
|
71,509,583.40 |
|
|
|
|
|
INVERSIONES EN VALORES |
|
|
118,590,815.37 |
|
|
113,921,589.88 |
|
|
154,072,083.18 |
|
|
164,898,040.27 |
|
|
|
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Extranjero |
|
|
118,590,815.37 |
|
|
113,921,589.88 |
|
|
154,072,083.18 |
|
|
164,898,040.27 |
|
|
|
|
|
Menos Provisiones |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Locales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Extranjero |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
OTROS ACTIVOS |
|
|
67,561,622.22 |
|
|
84,316,776.16 |
|
|
70,853,166.24 |
|
|
56,472,552.04 |
|
|
|
|
|
Locales |
|
|
6,216,771.59 |
|
|
6,727,555.40 |
|
|
6,266,118.83 |
|
|
6,221,384.08 |
|
|
|
|
|
Extranjero |
|
|
61,344,850.63 |
|
|
77,589,220.76 |
|
|
64,587,047.41 |
|
|
50,251,167.96 |
|
|
|
|
|
TOTAL DE ACTIVOS |
|
|
1,822,284,124.84 |
|
|
2,007,650,283.52 |
|
|
2,100,447,563.44 |
|
|
2,469,186,638.89 |
|
|
|
|
|
DEPOSITOS |
|
|
524,102,642.22 |
|
|
704,889,945.45 |
|
|
688,547,545.10 |
|
|
877,061,140.52 |
|
|
|
|
|
Locales |
|
|
22,051,244.27 |
|
|
44,564,790.54 |
|
|
57,844,913.84 |
|
|
61,823,338.84 |
|
|
|
|
|
Oficiales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
De Particuales |
|
|
0.00 |
|
|
0.00 |
|
|
101,306.04 |
|
|
103,734.49 |
|
|
|
|
|
A la Vista |
|
|
0.00 |
|
|
0.00 |
|
|
101,306.04 |
|
|
103,734.49 |
|
|
|
|
|
A Plazo |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
De Ahorros |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
De Bancos |
|
|
22,051,244.27 |
|
|
44,564,790.54 |
|
|
57,743,607.80 |
|
|
61,719,604.35 |
|
|
|
|
|
A la Vista |
|
|
5,998,529.44 |
|
|
9,556,780.83 |
|
|
9,643,127.25 |
|
|
6,646,692.71 |
|
|
|
|
|
A Plazo |
|
|
16,052,714.83 |
|
|
35,008,009.71 |
|
|
48,100,480.55 |
|
|
55,072,911.64 |
|
|
|
|
|
Extranjero |
|
|
502,051,397.95 |
|
|
660,325,154.91 |
|
|
630,702,631.26 |
|
|
815,237,801.68 |
|
|
|
|
|
Oficiales |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
De Particulares |
|
|
35,202,151.00 |
|
|
38,003,658.68 |
|
|
44,738,072.89 |
|
|
36,240,383.97 |
|
|
|
|
|
A la Vista |
|
|
1,202,151.00 |
|
|
1,203,658.68 |
|
|
1,238,072.89 |
|
|
1,240,383.97 |
|
|
|
|
|
A Plazo |
|
|
34,000,000.00 |
|
|
36,800,000.00 |
|
|
43,500,000.00 |
|
|
35,000,000.00 |
|
|
|
|
|
De Ahorros |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
De Bancos |
|
|
466,849,246.95 |
|
|
622,321,496.23 |
|
|
585,964,558.37 |
|
|
778,997,417.71 |
|
|
|
|
|
A la Vista |
|
|
8,944,730.80 |
|
|
8,900,371.98 |
|
|
9,507,513.59 |
|
|
9,122,928.55 |
|
|
|
|
|
A Plazo |
|
|
457,904,516.15 |
|
|
613,421,124.25 |
|
|
576,457,044.78 |
|
|
769,874,489.16 |
|
|
|
|
|
OBLIGACIONES |
|
|
681,792,941.40 |
|
|
660,122,570.42 |
|
|
781,233,812.11 |
|
|
836,731,575.65 |
|
|
|
|
|
Locales |
|
|
20,964,945.60 |
|
|
20,946,399.00 |
|
|
30,446,399.00 |
|
|
22,916,010.00 |
|
|
|
|
|
Extranjero |
|
|
660,827,995.80 |
|
|
639,176,171.42 |
|
|
750,787,413.11 |
|
|
813,815,565.65 |
|
|
|
|
|
OTROS PASIVOS |
|
|
100,005,439.27 |
|
|
162,996,110.65 |
|
|
107,356,680.46 |
|
|
91,554,819.03 |
|
|
|
|
|
Locales |
|
|
2,990,720.75 |
|
|
3,548,609.89 |
|
|
3,823,938.56 |
|
|
3,981,618.97 |
|
|
|
|
|
Extranjero |
|
|
97,014,718.52 |
|
|
159,447,500.76 |
|
|
103,532,741.90 |
|
|
87,573,200.06 |
|
|
|
|
|
PATRIMONIO |
|
|
516,383,101.95 |
|
|
479,641,657.00 |
|
|
523,309,525.77 |
|
|
663,839,103.69 |
|
|
|
|
|
Capital |
|
|
328,225,206.20 |
|
|
324,430,069.66 |
|
|
320,697,556.08 |
|
|
320,697,556.08 |
|
|
|
|
|
Reservas de Capital |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
16,609,728.78 |
|
|
95,210,153.67 |
|
|
|
|
|
Otras Reservas |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
0.00 |
|
|
|
|
|
Utilidad de Periodos Anteriores |
|
|
94,545,316.41 |
|
|
49,555,548.63 |
|
|
49,555,542.04 |
|
|
103,124,338.95 |
|
|
|
|
|
Utilidad de Periodo |
|
|
67,563,740.00 |
|
|
82,261,365.76 |
|
|
129,462,724.38 |
|
|
138,647,481.76 |
|
|
|
|
|
Ganancia o Perdida en Valores Disponible para la venta |
|
|
9,439,110.56 |
|
|
6,784,944.17 |
|
|
6,983,974.49 |
|
|
6,159,573.23 |
|
|
|
|
|
PASIVO Y PATRIMONIO |
|
|
1,822,284,124.84 |
|
|
2,007,650,283.52 |
|
|
2,100,447,563.44 |
|
|
2,469,186,638.89 |
|
|
|
|
|
|
ESTADO DE RESULTADO |
14 de Enero 2005 |
|
Descripcion |
|
Enero |
|
Febrero |
|
Marzo |
|
Trimestre I |
|
Abril |
|
Mayo |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ingresos Por Intereses |
|
|
6,554,346.26 |
|
|
4,920,235.16 |
|
|
5,734,864.07 |
|
|
17,209,445.49 |
|
|
6,380,969.21 |
|
|
4,264,633.98 |
|
|
Préstamos |
|
|
5,806,089.31 |
|
|
4,357,928.60 |
|
|
5,135,119.62 |
|
|
15,299,137.53 |
|
|
5,863,136.60 |
|
|
3,739,030.99 |
|
|
Depósitos |
|
|
134,326.48 |
|
|
151,395.63 |
|
|
195,196.95 |
|
|
480,919.06 |
|
|
117,950.90 |
|
|
125,544.66 |
|
|
Inversiones |
|
|
613,930.47 |
|
|
410,910.93 |
|
|
404,547.50 |
|
|
1,429,388.90 |
|
|
399,881.71 |
|
|
400,058.33 |
|
|
Egresos de Operaciones |
|
|
2,503,583.65 |
|
|
2,302,555.27 |
|
|
2,483,510.96 |
|
|
7,289,649.88 |
|
|
1,968,282.79 |
|
|
1,574,042.61 |
|
|
Intereses Pagados |
|
|
2,463,551.58 |
|
|
2,289,995.94 |
|
|
2,487,621.71 |
|
|
7,241,169.23 |
|
|
1,967,086.81 |
|
|
1,573,928.57 |
|
|
Comisiones |
|
|
40,032.07 |
|
|
12,559.33 |
|
|
-4,110.75 |
|
|
48,480.65 |
|
|
1,195.98 |
|
|
114.04 |
|
|
Ingreso Neto de Intereses |
|
|
4,050,762.61 |
|
|
2,617,679.89 |
|
|
3,251,353.11 |
|
|
9,919,795.61 |
|
|
4,412,686.42 |
|
|
2,690,591.37 |
|
|
Otros Ingresos |
|
|
574,025.74 |
|
|
440,603.31 |
|
|
840,675.99 |
|
|
1,855,305.04 |
|
|
1,113,133.33 |
|
|
-433,346.43 |
|
|
Comisiones |
|
|
548,963.99 |
|
|
665,864.96 |
|
|
509,460.70 |
|
|
1,724,289.65 |
|
|
448,767.69 |
|
|
534,153.82 |
|
|
Operaciones con Divisas |
|
|
-4,122.82 |
|
|
3,312.45 |
|
|
-188.10 |
|
|
-998.47 |
|
|
-5,276.39 |
|
|
-221,370.05 |
|
|
Otros ingresos |
|
|
29,184.57 |
|
|
-228,574.10 |
|
|
331,403.39 |
|
|
132,013.86 |
|
|
669,642.03 |
|
|
-746,130.20 |
|
|
Ingresos de Operaciones |
|
|
4,624,788.35 |
|
|
3,058,283.20 |
|
|
4,092,029.10 |
|
|
11,775,100.65 |
|
|
5,525,819.75 |
|
|
2,257,244.94 |
|
|
Egresos Generales |
|
|
1,845,294.21 |
|
|
-262,208.98 |
|
|
75,177.76 |
|
|
1,658,262.99 |
|
|
1,834,744.28 |
|
|
853,496.71 |
|
|
Gastos Administrativos |
|
|
1,019,194.48 |
|
|
989,036.77 |
|
|
1,142,090.66 |
|
|
3,150,321.91 |
|
|
1,081,277.48 |
|
|
1,121,934.67 |
|
|
Gastos Generales |
|
|
149,318.22 |
|
|
313,300.33 |
|
|
258,581.00 |
|
|
721,199.55 |
|
|
461,578.86 |
|
|
384,344.75 |
|
|
Gastos de Depreciación |
|
|
119,749.86 |
|
|
113,223.73 |
|
|
121,469.30 |
|
|
354,442.89 |
|
|
114,761.87 |
|
|
108,282.02 |
|
|
Otros Gastos |
|
|
557,031.65 |
|
|
-1,677,769.81 |
|
|
-1,446,963.20 |
|
|
-2,567,701.36 |
|
|
177,126.07 |
|
|
-761,064.73 |
|
|
Utilidad antes de Provisiones |
|
|
2,779,494.14 |
|
|
3,320,492.18 |
|
|
4,016,851.34 |
|
|
10,116,837.66 |
|
|
3,691,075.47 |
|
|
1,403,748.23 |
|
|
Provisiones por Cuentas Malas |
|
|
-7,813,682.87 |
|
|
-3,878,544.87 |
|
|
-6,544,167.05 |
|
|
-18,236,394.79 |
|
|
0.00 |
|
|
-11,715,126.22 |
|
|
Utilidad del Periodo |
|
|
10,593,177.01 |
|
|
7,199,037.05 |
|
|
10,561,018.39 |
|
|
28,353,232.45 |
|
|
3,691,075.47 |
|
|
13,118,874.45 |
|
|
Descripcion |
|
Junio |
|
Trimestre II |
|
Julio |
|
Agosto |
|
Septiembre |
|
Trimestre III |
|
||||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ingresos Por Intereses |
|
|
4,805,777.19 |
|
|
15,451,380.38 |
|
|
5,956,173.81 |
|
|
5,166,109.73 |
|
|
5,016,525.73 |
|
|
16,138,809.27 |
|
|
Préstamos |
|
|
4,260,070.42 |
|
|
13,862,238.01 |
|
|
5,163,280.23 |
|
|
4,542,470.61 |
|
|
4,360,667.64 |
|
|
14,066,418.48 |
|
|
Depósitos |
|
|
155,602.07 |
|
|
399,097.63 |
|
|
214,359.27 |
|
|
249,705.79 |
|
|
158,509.63 |
|
|
622,574.69 |
|
|
Inversiones |
|
|
390,104.70 |
|
|
1,190,044.74 |
|
|
578,534.31 |
|
|
373,933.33 |
|
|
497,348.46 |
|
|
1,449,816.10 |
|
|
Egresos de Operaciones |
|
|
2,216,807.28 |
|
|
5,759,132.68 |
|
|
2,330,486.54 |
|
|
2,217,689.27 |
|
|
2,326,541.71 |
|
|
6,874,717.52 |
|
|
Intereses Pagados |
|
|
2,192,519.50 |
|
|
5,733,534.88 |
|
|
2,329,681.19 |
|
|
2,207,240.49 |
|
|
2,323,776.21 |
|
|
6,860,697.89 |
|
|
Comisiones |
|
|
24,287.78 |
|
|
25,597.80 |
|
|
805.35 |
|
|
10,448.78 |
|
|
2,765.50 |
|
|
14,019.63 |
|
|
Ingreso Neto de Intereses |
|
|
2,588,969.91 |
|
|
9,692,247.70 |
|
|
3,625,687.27 |
|
|
2,948,420.46 |
|
|
2,689,984.02 |
|
|
9,264,091.75 |
|
|
Otros Ingresos |
|
|
844,248.66 |
|
|
1,524,035.56 |
|
|
521,012.50 |
|
|
553,427.79 |
|
|
3,155,863.69 |
|
|
4,230,303.98 |
|
|
Comisiones |
|
|
489,646.56 |
|
|
1,472,568.07 |
|
|
470,706.87 |
|
|
532,085.51 |
|
|
619,004.22 |
|
|
1,621,796.60 |
|
|
Operaciones con Divisas |
|
|
9,394.48 |
|
|
-217,251.96 |
|
|
4,346.44 |
|
|
9,062.27 |
|
|
7,044.17 |
|
|
20,452.88 |
|
|
Otros ingresos |
|
|
345,207.62 |
|
|
268,719.45 |
|
|
45,959.19 |
|
|
12,280.01 |
|
|
2,529,815.30 |
|
|
2,588,054.50 |
|
|
Ingresos de Operaciones |
|
|
3,433,218.57 |
|
|
11,216,283.26 |
|
|
4,146,699.77 |
|
|
3,501,848.25 |
|
|
5,845,847.71 |
|
|
13,494,395.73 |
|
|
Egresos Generales |
|
|
6,189,508.90 |
|
|
8,877,749.89 |
|
|
1,959,913.45 |
|
|
3,998,620.76 |
|
|
2,588,409.30 |
|
|
8,546,943.51 |
|
|
Gastos Administrativos |
|
|
1,350,628.36 |
|
|
3,553,840.51 |
|
|
1,217,381.40 |
|
|
1,007,599.62 |
|
|
836,890.09 |
|
|
3,061,871.11 |
|
|
Gastos Generales |
|
|
388,900.71 |
|
|
1,234,824.32 |
|
|
425,342.92 |
|
|
355,190.17 |
|
|
206,326.84 |
|
|
986,859.93 |
|
|
Gastos de Depreciación |
|
|
111,227.05 |
|
|
334,270.94 |
|
|
139,814.92 |
|
|
95,478.93 |
|
|
89,960.76 |
|
|
325,254.61 |
|
|
Otros Gastos |
|
|
4,338,752.78 |
|
|
3,754,814.12 |
|
|
177,374.21 |
|
|
2,540,352.04 |
|
|
1,455,231.61 |
|
|
4,172,957.86 |
|
|
Utilidad antes de Provisiones |
|
|
-2,756,290.33 |
|
|
2,338,533.37 |
|
|
2,186,786.32 |
|
|
-496,772.51 |
|
|
3,257,438.41 |
|
|
4,947,452.22 |
|
|
Provisiones por Cuentas Malas |
|
|
-7,907,105.61 |
|
|
-19,622,231.83 |
|
|
0.00 |
|
|
-15,444,186.71 |
|
|
-11,440,187.37 |
|
|
-26,884,374.08 |
|
|
Utilidad del Periodo |
|
|
5,150,815.28 |
|
|
21,960,765.20 |
|
|
2,186,786.32 |
|
|
14,947,414.20 |
|
|
14,697,625.78 |
|
|
31,831,826.30 |
|
|
Descripcion |
|
Octubre |
|
Noviembre |
|
Diciembre |
|
Trimestre IV |
|
Acumulado Anual |
|
|||||
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ingresos Por Intereses |
|
|
6,814,915.23 |
|
|
4,873,410.79 |
|
|
|
|
|
11,688,326.02 |
|
|
60,487,961.16 |
|
|
Préstamos |
|
|
6,081,391.09 |
|
|
4,053,339.70 |
|
|
|
|
|
10,134,730.79 |
|
|
53,362,524.81 |
|
|
Depósitos |
|
|
245,743.38 |
|
|
216,620.13 |
|
|
|
|
|
462,363.51 |
|
|
1,964,954.89 |
|
|
Inversiones |
|
|
487,780.76 |
|
|
603,450.96 |
|
|
|
|
|
1,091,231.72 |
|
|
5,160,481.46 |
|
|
Egresos de Operaciones |
|
|
2,712,286.33 |
|
|
3,884,801.56 |
|
|
|
|
|
6,597,087.89 |
|
|
26,520,587.97 |
|
|
Intereses Pagados |
|
|
2,709,335.73 |
|
|
3,878,607.85 |
|
|
|
|
|
6,587,943.58 |
|
|
26,423,345.58 |
|
|
Comisiones |
|
|
2,950.60 |
|
|
6,193.71 |
|
|
|
|
|
9,144.31 |
|
|
97,242.39 |
|
|
Ingreso Neto de Intereses |
|
|
4,102,628.90 |
|
|
988,609.23 |
|
|
|
|
|
5,091,238.13 |
|
|
33,967,373.19 |
|
|
Otros Ingresos |
|
|
434,605.72 |
|
|
411,566.00 |
|
|
|
|
|
846,171.72 |
|
|
8,455,816.30 |
|
|
Comisiones |
|
|
377,393.03 |
|
|
393,211.87 |
|
|
|
|
|
770,604.90 |
|
|
5,589,259.22 |
|
|
Operaciones con Divisas |
|
|
-1,120.64 |
|
|
18,354.13 |
|
|
|
|
|
17,233.49 |
|
|
-180,564.06 |
|
|
Otros ingresos |
|
|
58,333.33 |
|
|
0.00 |
|
|
|
|
|
58,333.33 |
|
|
3,047,121.14 |
|
|
Ingresos de Operaciones |
|
|
4,537,234.62 |
|
|
1,400,175.23 |
|
|
|
|
|
5,937,409.85 |
|
|
42,423,189.49 |
|
|
Egresos Generales |
|
|
1,965,379.02 |
|
|
1,550,281.12 |
|
|
|
|
|
3,515,660.14 |
|
|
22,598,616.53 |
|
|
Gastos Administrativos |
|
|
1,411,948.09 |
|
|
891,354.66 |
|
|
|
|
|
2,303,302.75 |
|
|
12,069,336.28 |
|
|
Gastos Generales |
|
|
289,203.07 |
|
|
387,756.29 |
|
|
|
|
|
676,959.36 |
|
|
3,619,843.16 |
|
|
Gastos de Depreciación |
|
|
91,482.49 |
|
|
72,565.21 |
|
|
|
|
|
164,047.70 |
|
|
1,178,016.14 |
|
|
Otros Gastos |
|
|
172,745.37 |
|
|
198,604.96 |
|
|
|
|
|
371,350.33 |
|
|
5,731,420.95 |
|
|
Utilidad antes de Provisiones |
|
|
2,571,855.60 |
|
|
-150,105.89 |
|
|
|
|
|
2,421,749.71 |
|
|
19,824,572.96 |
|
|
Provisiones por Cuentas Malas |
|
|
-44,629,503.00 |
|
|
-3,078,000.00 |
|
|
|
|
|
-47,707,503.00 |
|
|
-112,450,503.70 |
|
|
Utilidad del Periodo |
|
|
47,201,358.60 |
|
|
2,927,894.11 |
|
|
|
|
|
50,129,252.71 |
|
|
132,275,076.66 |
|