Estados Financieros DEC 22 Vrs 2021

Las Cifras al 31 de diciembre de 2022 son
CONSOLIDADO DEL SISTEMA

ESTADO DE SITUACIÓN FINANCIER
Comparativo Diciembre 2022 -
(Cifras en Millones de Lempir
2022
CUENTAS
Total
ACTIVOS 749,860.7
DISPONIBILIDADES 113,289.6
Caja 12,921.7
Depósitos en el Banco Central de Honduras 82,814.5
Depósitos en Instituciones Financieras del Interior 5,613.2
Depósitos en Instituciones Financieras del Exterior 8,700.8
Otras Disponibilidades 3,153.3
Rendimientos Financieros por Cobrar sobre Disponibilidades 86.1
INVERSIONES FINANCIERAS 120,218.5

A Costo Amortizado 112,744.3
En Entidades Oficiales 100,516.7
Disponibilidad Inmediata 1,437.9
Otras Inversiones 10,789.8
A Valor Razonable 5,870.2
Disponibilidad Inmediata
Acciones y Participaciones 211.0
Otras Inversiones 854.9
Designadas al Costo - Acciones y Participaciones 831.6
Instrumentos Financieros Derivados 8.9
Rendimientos Financieros por Cobrar sobre Inversiones Financieras 1,322.0
Estimación por Deterioro Acumulado de Inversiones Financieras ( - ) 558.4
PRÉSTAMOS E INTERESES 484,337.0

Vigentes 459,254.4
Atrasados 4,298.3
Vencidos 1,202.6
Refinanciados 29,046.8
En Ejecución Judicial 2,585.9
Rendimientos Financieros por Cobrar sobre Préstamos e Intereses 5,476.4
Subsidios sobre préstamos ( - )
Estimación por Deterioro Acumulado sobre Préstamos e Intereses ( - ) 17,527.3
CUENTAS POR COBRAR 10,712.3
2,129.4
ACTIVOS MANTENIDOS PARA LA VENTA, GRUPO DE ACTIVOS PARA SU
DISPOSICIÓN Y OPERACIONES DISCONTINUADAS
INVERSIONES EN ACCIONES Y PARTICIPACIONES 530.5
PROPIEDADES DE INVERSIÓN 352.6
PROPIEDADES, MOBILIARIO Y EQUIPO 9,741.3

Activos Físicos 18,157.7
Depreciación Acumulada de Propiedad Planta y Equipo ( - ) 8,416.4
Estimación por Deterioro Acumulado de Propiedad, Planta y Equipo ( - )
OTROS ACTIVOS 8,549.6
ACTIVOS CONTINGENTES 122,353.2
TOTAL ACTIVO 872,213.9
PASIVOS 666,043.9
DEPÓSITOS 538,785.3
Cuenta de Cheques 112,803.3
De Ahorro 260,538.3
A Plazo 162,556.0
Otros Depósitos 2,491.3
Costo Financiero por Pagar 396.4
OBLIGACIONES BANCARIAS 84,014.2

Préstamos Sectoriales 37,759.1
Créditos y Obligaciones Bancarias 45,625.0
Instrumentos Financieros Derivados
Obligaciones por Activos Arrendados
CUENTAS POR PAGAR 5,669.7
OBLIGACIONES SUBORDINADAS A TÉRMINO 8,483.2

PROVISIONES 8,678.7
OTROS PASIVOS 20,412.7
PATRIMONIO 83,816.9
CAPITAL SOCIAL 51,812.3

Capital Autorizado 42,734.5
(Capital No Pagado) -395.0
Capital Asignado 9,472.8
RESERVAS, RESULTADOS y OTROS 30,290.3

Aportes Patrimoniales no Capitalizados 2,697.2
Primas sobre Acciones 2,004.6
Reservas 370.3
Resultados Acumulados 15,156.9
Resultados del Ejercicio 10,061.3
PATRIMONIO RESTRINGIDO 1,714.2
SUBTOTAL PASIVO Y PATRIMONIO 749,860.7
PASIVOS CONTINGENTES 122,353.2
TOTAL PASIVOS Y PATRIMONIO 872,213.9
CUENTAS DE ORDEN Y REGISTRO 3,642,838.5

Valores y Bienes Cedidos en Garantia 2,278.6
Garantia de Creditos Concedidos 923,105.3
Clasificacion de Cartera Crediticia 513,816.5
Creditos Comerciales 355,995.3
Grandes Deudores Comerciales 218,874.6
Pequeños Deudores Comerciales 66,229.9
Microcréditos 4,667.0
Agropecuarios 66,223.8
Categoría Especial
Créditos de Consumo 90,687.8
Créditos para Vivienda 67,133.4
Administraciones Ajenas 274,993.8
Fideicomisos 269,599.7
Otras 5,394.1
Otras Cuentas de Orden y Registro 1,928,644.3
*/ Cifras preliminares publicadas bajo el marco contable basado en Normas Internacionales de Información Financiera (NIIF) combinadas
Supervisado y están sujetas a revisión posterior por parte de la CNBS.
Nota: Se incorpora BANHPROVI como banca estatal, a partir de las cifras del mes de julio 2018, de conformidad al Decreto Legislativo No.
al 31 de diciembre de 2022 son Preliminares
ADO DEL SISTEMA FINANCIERO
UACIÓN FINANCIERA CONDENSADO */
omparativo Diciembre 2022 - 2021
(Cifras en Millones de Lempiras)
2022 2021
Moneda Moneda
Total
Nacional Extranjera Nacional
571,482.2 178,378.5 687,229.7 515,085.8
67,169.2 46,120.4 131,925.3 86,451.9

12,570.0 351.7 11,984.4 11,656.7
46,600.7 36,213.8 101,320.5 68,894.9
5,474.1 139.1 4,366.4 4,060.8
0.0 8,700.8 11,814.9 0.0
2,524.1 629.2 2,435.1 1,839.1
0.3 85.8 4.0 0.5
103,332.8 16,885.8 109,968.6 98,359.6

96,646.6 16,097.8 106,292.7 95,553.3
89,637.8 10,878.8 97,019.0 89,267.3
0.0 1,437.9 1,124.9 0.0
7,008.7 3,781.1 8,148.8 6,286.0
5,337.0 533.2 2,093.0 1,389.4
4,482.1 322.2 1,538.4 1,179.4
127.3 0.0
0.0 211.0 217.3 0.0
854.9 0.0 210.0 210.0
830.8 0.8 953.2 952.3
0.0 8.9 18.4 0.0
1,052.0 269.9 1,144.9 998.1
533.6 24.8 533.7 533.7
370,418.5 113,918.5 416,982.2 302,864.4

352,410.3 106,844.1 389,562.4 282,760.0
3,940.5 357.8 5,229.7 4,835.4
1,053.1 149.5 901.5 830.6
23,782.6 5,264.2 30,455.6 24,654.1
2,318.5 267.4 2,164.1 2,046.5
4,298.6 1,177.8 5,260.7 4,218.9
17,385.1 142.2 16,591.8 16,481.1
9,826.5 885.9 8,364.6 7,893.2
2,129.4 0.0 2,710.1 2,710.1
136.2 394.3 527.4 136.2
352.6 0.0 361.0 361.0
9,741.3 0.0 9,165.5 9,165.5

18,157.7 0.0 17,084.3 17,084.3
8,416.4 0.0 7,918.9 7,918.9
8,375.9 173.7 7,225.0 7,144.1
77,177.5 45,175.7 116,324.4 73,446.6
648,659.7 223,554.2 803,554.1 588,532.4
490,184.0 175,859.8 611,267.3 443,532.1
416,133.3 122,652.1 486,617.1 372,388.8

92,138.1 20,665.2 94,132.3 76,875.7
201,629.7 58,908.6 242,470.4 187,143.0
119,954.7 42,601.2 148,204.8 106,743.9
2,071.2 420.0 1,427.9 1,294.8
339.5 56.9 381.8 331.3
46,390.5 37,623.7 84,500.3 45,290.0

32,827.6 4,931.6 39,216.5 34,344.0
13,322.9 32,302.1 44,819.4 10,721.0
31.4 0.0
240.0 390.0 433.0 225.0
5,347.0 322.7 4,826.5 4,601.2
360.0 8,123.2 6,551.7 360.0

8,667.8 10.9 7,602.8 7,594.1
13,285.4 7,127.3 21,168.8 13,298.1
83,816.9 0.0 75,962.4 75,959.4
51,812.3 0.0 48,999.4 48,999.4

42,734.5 0.0 40,163.8 40,163.8
-395.0 0.0 -60.0 -60.0
9,472.8 0.0 8,895.6 8,895.6
30,290.3 0.0 25,224.1 25,224.1

2,697.2 0.0 2,606.4 2,606.4
2,004.6 0.0 1,990.6 1,990.6
370.3 0.0 380.8 380.8
15,156.9 0.0 12,954.9 12,954.9
10,061.3 0.0 7,291.5 7,291.5
1,714.2 0.0 1,738.9 1,735.9
574,000.9 175,859.8 687,229.7 519,491.6
77,177.5 45,175.7 116,324.4 73,446.6
651,178.4 221,035.5 803,554.1 592,938.1
2,707,209.5 935,629.1 3,433,097.0 2,485,280.2

1,722.2 556.4 2,456.9 1,906.3
631,402.6 291,702.8 814,935.3 564,519.1
428,415.8 85,400.8 447,123.0 368,390.1
281,670.7 74,324.7 315,787.4 247,197.8
165,970.1 52,904.5 196,141.6 143,800.7
58,972.1 7,257.9 56,274.0 49,472.6
4,666.7 0.3 5,570.5 5,306.2
52,061.8 14,161.9 57,801.3 48,618.3
81,874.6 8,813.2 74,037.0 66,433.6

64,870.4 2,262.9 57,298.6 54,758.7
272,637.4 2,356.4 261,107.0 258,622.2
269,198.8 400.9 255,788.9 254,577.8
3,438.7 1,955.4 5,318.1 4,044.4
1,373,031.5 555,612.8 1,907,474.8 1,291,842.6
ión Financiera (NIIF) combinadas con las Normas Prudenciales, mismas que tienen como fuente la información recibida del Sistema
rmidad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.

021
Moneda
Extranjera
172,143.9
45,473.4
327.7
32,425.6
305.6
11,814.9
596.0
3.5
11,609.0
10,739.4
7,751.7
1,124.9
1,862.8
703.6
359.0
127.3
217.3
0.0
0.8
18.4
146.8
0.0
114,117.9
106,802.5
394.4
70.9
5,801.5
117.6
1,041.7
110.7
471.5
0.0
391.3
0.0
0.0
0.0
0.0
80.9
42,877.8
215,021.7
167,735.1
114,228.3
17,256.5
55,327.4
41,460.9
133.0
50.4
39,210.3
4,872.5
34,098.4
31.4
208.0
225.4
6,191.7
8.7
7,870.7
3.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.0
167,738.2
42,877.8
210,616.0
947,816.8
550.7
250,416.2
78,732.9
68,589.6
52,340.9
6,801.4
264.2
9,183.0
7,603.4
2,539.9
2,484.8
1,211.2
1,273.7
615,632.2
rmación recibida del Sistema
Las Cifras al 31 de diciembre de 2022 so
ESTADO DE RESULTADOS CON
Comparativo Diciembre 2022 -
(Cifras en Millones de Lempir
2022
CUENTAS Total
PRODUCTOS FINANCIEROS 76,011.5

Intereses sobre Disponibilidades 234.4
Inversiones Financieras 5,881.0
Préstamos, Descuentos y Negociaciones 47,595.1
Arrendamiento Financiero 336.5
Comisiones 9,583.9
Fideicomisos y Administraciones (Comisiones) 613.4
Ganancias por Cambios en el Valor Razonable de Activos y Pasivos Financieros 156.2
Ganancias por Venta de Activos y Pasivos Financieros 1,178.3
Otros Ingresos 10,432.8
GASTOS FINANCIEROS 26,349.5

Sobre Obligaciones con los Depositantes 11,781.2
Sobre Obligaciones Financieras 3,520.6
Arrendamiento Financiero
Sobre Títulos Valores de Emisión Propia 1,306.8
Comisiones 2,406.1
Pérdidas por Cambios en el Valor Razonable de Activos y Pasivos Financieros 240.1
Pérdidas por Venta de Activos y Pasivos Financieros 19.8
Otros Gastos 7,057.1
UTILIDAD FINANCIERA 49,662.0
PRODUCTOS POR SERVICIOS 2,858.1

Ganancias por Cambios en el Valor Razonable de Activos y Pasivos 23.9
Ganancia en venta de Activos y Pasivos 961.2
Arrendamientos Operativos 106.4
Servicios Diversos 1,766.6
GASTOS OPERACIONALES 37,744.7
Gastos de Administración 25,333.0
Deterioro de Activos Financieros 6,390.7
Depreciaciones y Amortizaciones 2,163.2
Provisiones 972.9
Gastos Diversos 2,884.9
UTILIDAD DE OPERACIÓN 14,775.4
Ingresos y Gastos No Operacionales -326.8
UTILIDAD ANTES DEL IMPUESTO SOBRE LA RENTA 14,448.5
Impuesto Sobre la Renta 4,387.2
UTILIDAD (O PÉRDIDA) NETA 10,061.3
31 de diciembre de 2022 son Preliminares
DO DEL SISTEMA FINANCIERO
RESULTADOS CONDENSADO */
mparativo Diciembre 2022 - 2021
Cifras en Millones de Lempiras)
2022 2021
Moneda Moneda
Total
Nacional Extranjera Nacional
65,050.5 10,961.0 79,207.8 69,607.6

36.4 198.1 71.5 52.3
4,863.2 1,017.8 5,226.8 4,714.3
40,422.2 7,172.8 43,238.6 36,383.9
327.3 9.2 271.9 268.5
8,092.5 1,491.5 8,110.5 6,776.6
600.7 12.7 664.5 653.5
7.3 148.9 95.5 3.2
1,174.7 3.6 1,887.4 1,878.7
9,526.3 906.5 19,641.1 18,876.6
22,019.8 4,329.7 36,609.9 32,824.9

9,897.1 1,884.1 13,399.7 11,501.1
2,151.2 1,369.4 3,122.0 2,225.0
0.0 17.4 46.5 10.5
0.0 0.0
793.9 512.9 1,521.6 1,075.4
2,327.9 78.2 1,946.1 1,888.3
0.4 0.0 1.4 1.4
0.7 239.3 120.1 4.2
12.1 7.7 10.8 10.5
6,836.5 220.7 16,441.6 16,108.4
43,030.6 6,631.4 42,597.9 36,782.7
2,641.2 216.9 2,985.2 2,755.4

23.9 0.0 17.0 17.0
961.2 0.0 981.9 981.9
106.3 0.1 106.4 106.3
1,549.9 216.8 1,879.9 1,650.2
37,145.0 599.7 34,862.1 34,506.0
24,743.3 589.8 22,302.8 21,956.7
6,390.7 0.0 7,072.4 7,072.4
2,163.2 0.0 2,172.8 2,172.8
972.9 0.0 903.3 903.3
2,875.0 9.9 2,410.8 2,400.8
8,526.8 6,248.6 10,720.9 5,032.0
-326.3 -0.5 -191.3 -191.2
8,200.5 6,248.0 10,529.7 4,840.9
4,387.2 0.0 3,238.2 3,238.2
10,061.3 7,291.5 7,291.5
n Financiera (NIIF) combinadas con las Normas Prudenciales, mismas que tienen como fuente la información recibida del Sistema
idad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.

021
Moneda
Extranjera
9,600.2
19.2
512.5
6,854.7
3.4
1,333.9
11.0
92.3
8.8
764.5
3,785.0
1,898.7
896.9
36.0
0.0
446.2
57.8
0.0
115.9
0.3
333.2
5,815.2
229.8
0.0
0.0
0.1
229.7
356.1
346.1
0.0
0.0
0.0
10.0
5,688.9
-0.1
5,688.8
0.0
mación recibida del Sistema

Las Cifras al 31 de diciembre de 2022 son Preliminares
CONSOLIDADO DEL SISTEMA FINANCIERO
ESTADO DE SITUACIÓN FINANCIERA CONDENSADO */
Al 31 de Diciembre del 2021
CUENTAS TOTAL
ACTIVOS 687,229.7
Caja 11,984.4

Disponibilidad Inmediata 127.3

Vigentes 389,562.4
Atrasados 5,229.7
Vencidos 901.5
ACTIVOS MANTENIDOS PARA LA VENTA, GRUPO DE ACTIVOS PARA SU

DISPOSICIÓN Y OPERACIONES DISCONTINUADAS 2,710.1

PASIVOS 611,267.3
De Ahorro 242,470.4
A Plazo 148,204.8

Obligaciones por Activos Arrendados
PROVISIONES 7,602.8
PATRIMONIO 75,962.4


Reservas 380.8
Resultados del Ejercicio 7,291.5

Categoría Especial
Otras 5,318.1
IERO
NSADO */
BANCATLAN HONDURAS BANCOCCI BANCOTRAB
130,042.0 5,048.5 91,732.8 9,153.3
20,124.3 3,129.9 23,360.0 1,370.3

2,063.5 5.6 1,544.8 316.2
15,851.6 2,956.5 18,691.4 965.2
217.9 24.8 2,372.6 20.8
1,735.2 139.3 553.4 6.0
252.5 3.7 197.8 62.1
3.5
18,375.8 1,340.4 18,477.2 1,545.3

17,484.1 18,073.1 1,539.4
16,518.8 17,082.4 1,405.7
965.3 990.7 133.7

674.0 1,309.3 14.0 4.4
359.0 1,179.4
127.3
187.7 14.0 4.4
129.8
24.0 2.0 309.9 3.2
201.6 29.1 94.1 0.1

8.0 14.0 1.8
84,655.3 311.5 46,521.9 5,991.1

80,352.3 310.4 40,682.3 5,658.2
677.7 975.1 358.6
31.8 295.0 60.3
4,718.8 7,830.2 379.5
732.3 262.2 31.4
978.1 3.8 818.0 56.1
2,835.7 2.7 4,341.0 552.9
562.7 85.4 1,386.3 37.2
553.8 235.7 43.7
320.1 3.1 0.4
239.0
2,098.6 111.2 948.2 153.5

3,763.1 170.5 1,887.0 360.2
1,664.5 59.3 938.8 206.7
3,351.5 70.1 561.4 11.8
12,587.0 1,848.4 22,671.0 200.3
142,629.0 6,896.8 114,403.8 9,353.6
118,081.3 3,914.8 82,039.1 7,959.2
101,080.5 3,709.9 75,898.3 7,117.3

13,611.8 3,279.1 7,319.7 421.0
55,177.6 394.2 60,144.4 3,713.0
32,119.9 8,303.3 2,959.8
121.5 36.7 91.4 17.0
49.6 39.6 6.7
12,874.3 2,578.7 530.9

5,319.1 2,557.1 530.9
7,502.1
53.2 21.7
1,407.9 129.8 611.8 69.0
606.4 55.8 2,235.3 84.4

2,112.2 19.2 715.1 157.6
11,960.7 1,133.7 9,693.6 1,194.1
9,000.0 600.0 3,200.0 830.6

9,000.0 600.0 3,200.0 830.6
2,931.4 485.7 6,005.3 356.8

1,700.0 261.4
9.2 0.4
320.3
1,664.2 325.3 3,148.9 24.5
1,258.0 160.4 836.1 70.5
29.2 48.0 488.3 6.7
130,042.0 5,048.5 91,732.8 9,153.3
12,587.0 1,848.4 22,671.0 200.3
142,629.0 6,896.8 114,403.8 9,353.6
411,568.9 5,008.2 591,647.1 49,369.8

2,069.4
180,068.3 2,292.2 69,950.3 10,079.0
94,933.1 1,221.0 52,803.7 6,655.2
77,486.7 1,221.0 47,122.5 1,801.4
58,176.0 1,054.1 20,689.4 766.8
4,955.8 95.2 14,431.4 835.0
14,354.9 71.6 12,001.7 199.5
11,047.5 1,696.9 4,287.4

6,398.9 3,984.3 566.5
25,412.1 289.8 7,281.8 4,278.7
25,149.8 7,003.9 4,258.8
262.3 289.8 277.9 20.0
109,086.0 1,205.2 461,611.3 28,356.8
midad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.

BANCOS COMERCIALES
FICENSA BANHCAFE BANPAIS FICOHSA
11,301.6 4,884.4 74,362.2 131,165.0
1,746.9 871.9 13,561.0 25,482.2

60.8 105.0 1,100.8 1,641.4
1,426.8 567.6 11,153.6 18,069.1
21.6 18.0 5.5 101.8
133.0 163.9 1,148.5 4,883.6
104.7 17.3 152.6 786.2
0.0
611.5 1,977.0 10,925.3 26,433.3

522.3 1,912.2 10,742.2 26,034.5
408.7 1,711.1 10,298.0 25,755.0
75.5 19.5
38.2 181.6 444.3 279.5
0.2 1.5 7.9
0.2 1.5 7.9
81.3 7.0 6.6 135.4

18.4
7.8 38.5 168.6 263.5
0.2 0.5
8,566.8 1,766.4 48,172.6 72,964.5

8,089.4 1,591.6 46,440.7 69,312.4
11.0 27.5 87.4 842.0
0.1 1.4 2.1 72.8
518.2 121.6 2,054.1 3,904.5
24.2 7.1 124.5 306.6
70.5 68.4 321.4 820.6
146.5 51.3 857.6 2,294.4
8.6 16.4 178.4 2,101.4
163.1 15.5 151.8 624.4
0.7 0.3 103.4 43.7
0.9 59.0 43.2
29.4 165.8 1,035.5 1,939.7

117.1 328.7 1,869.7 2,832.3
87.7 162.8 834.2 892.7
173.5 12.2 234.2 1,532.6
4,423.1 605.0 3,094.1 35,209.5
15,724.7 5,489.4 77,456.2 166,374.6
10,136.5 4,056.0 67,484.2 121,119.3
5,892.4 3,476.2 49,122.3 81,239.8

1,243.0 584.5 9,716.5 19,978.9
2,325.9 2,463.7 19,996.7 31,845.9
2,308.7 400.2 19,232.7 29,293.4
10.6 22.7 111.5 70.5
4.2 5.2 64.9 51.0
2,883.4 350.0 12,370.5 28,347.7

2,067.8 150.1 5,435.2 7,339.8
802.4 197.0 6,852.2 20,838.9
31.4
13.1 2.9 83.1 137.6
31.7 54.1 501.5 674.2
360.0 1,261.6 3,203.5
97.5 81.0 477.9 950.2

871.5 94.6 3,750.4 6,703.9
1,165.1 828.4 6,878.0 10,045.7
1,000.0 640.0 4,156.1 5,709.5

1,000.0 700.0 4,156.1 5,709.5
-60.0
157.7 63.7 2,319.9 4,202.2
16.2 185.5 1,571.3

0.2 0.4
59.3 24.9 1,123.3 1,407.9
82.3 38.5 1,010.8 1,223.0
7.4 124.7 401.9 134.0
11,301.6 4,884.4 74,362.2 131,165.0
4,423.1 605.0 3,094.1 35,209.5
15,724.7 5,489.4 77,456.2 166,374.6
159,434.5 111,842.4 365,115.5 376,919.0
34,687.4 8,779.7 61,672.6 150,815.2

9,069.7 1,831.2 50,401.2 82,806.6
6,759.1 1,559.5 36,353.3 60,295.3
6,238.5 481.1 23,802.1 45,799.5
520.6 308.3 4,243.8 6,898.8
58.8 313.7
711.3 7,993.7 7,597.1
299.7 158.0 4,545.6 12,604.9

2,010.9 113.6 9,502.3 9,906.4
1,266.8 5,174.6 20,878.1 27,802.6
1,254.7 5,159.8 20,049.4 26,384.4
12.1 14.8 828.7 1,418.2
114,410.6 96,056.9 232,163.6 115,494.5
MERCIALES
LAFISE BANCO DAVIVIENDA PROMERICA AZTECA
19,920.5 37,479.9 13,987.5 4,532.9
2,972.6 6,268.3 2,886.0 1,555.0

107.4 728.7 167.1 1,018.3
2,564.0 4,381.7 2,051.7 364.3
4.5 4.3 452.9 14.3
245.6 1,033.7 170.4 134.6
51.1 119.8 43.7 23.5
0.2
4,069.9 1,424.7 476.4 814.4

3,905.3 1,418.0 466.5 812.6
3,580.9 1,099.5 378.3 556.0
154.0 12.4
170.4 318.5 88.2 244.2
80.1
80.1
8.1 6.7 2.6
76.3 0.0 7.3 1.8
12,276.7 28,629.4 10,110.8 1,737.7

11,045.3 27,319.7 8,127.0 1,768.6
131.4 328.7 133.3 175.9
1.5 3.3 0.3 41.9
1,243.7 1,606.9 1,867.1 10.5
42.6 55.0 39.2
152.8 258.7 175.0 19.0
340.7 942.9 231.1 278.2
110.7 117.6 111.5 168.9
159.5 208.4 263.5
52.0
17.2
255.8 609.5 51.6 185.9

603.7 1,362.3 261.9 461.6
347.9 752.8 210.3 275.8
75.3 152.9 87.7 70.9
2,179.6 7,643.3 3,474.3 857.3
22,100.1 45,123.2 17,461.8 5,390.2
18,571.8 33,569.7 12,773.4 2,685.2
14,454.4 26,860.2 11,000.4 2,143.7

1,642.3 3,483.6 1,150.9 52.9
5,669.5 14,535.7 3,493.6 1,466.1
7,100.3 8,180.5 6,338.1 619.6
24.6 648.5 5.0 0.6
17.7 12.0 12.7 4.5
3,269.8 5,723.7 934.3 122.0

2,512.0 4,212.9 929.3
732.2 1,500.5 121.7
25.6 10.3 5.1 0.3
173.7 324.2 99.8 99.3
387.7 486.9
114.6 307.8 159.4 212.0

171.6 353.8 92.6 108.2
1,348.7 3,910.3 1,214.1 1,847.7
900.0 1,770.0 1,112.7 600.0

900.0 1,770.0 1,112.7 600.0
346.7 1,931.7 106.3 1,245.6

600.0
51.5
1.4
41.3 918.0 69.4 1,122.8
305.3 360.8 36.9 122.8
102.1 208.6 -5.0 2.2
19,920.5 37,479.9 13,987.5 4,532.9
2,179.6 7,643.3 3,474.3 857.3
22,100.1 45,123.2 17,461.8 5,390.2
83,803.0 270,482.7 64,781.3 32,788.0
23,430.0 49,175.9 25,943.0 2,287.5

13,423.2 31,195.0 10,524.3 2,067.9
7,582.6 12,841.7 4,636.6 5.9
5,143.0 8,836.1 2,718.5
1,029.0 2,085.2 1,643.4 3.6
22.7 49.1 3.5 2.3
1,387.8 1,871.2 271.3
1,869.5 11,192.1 4,189.3 2,062.0

3,971.0 7,161.2 1,698.3
35,069.5 23,555.5
34,856.2 23,198.8
213.3 356.7
11,880.4 166,556.2 28,314.0 28,432.6
BANCOS ESTATALES
BANCO POPULAR BAC CREDOMATIC BANRURAL BANHPROVI */
4,186.8 99,918.2 19,846.4 13,971.6
754.5 22,276.7 3,141.4 609.5

60.0 2,159.5 786.3
325.5 18,240.0 2,190.8 569.7
354.9 33.8 39.8
1,381.2 80.6
14.0 495.9 49.9
163.7 17,605.1 2,982.7 1,993.8

163.6 17,302.5 2,964.1 2,203.1
39.0 14,678.3 2,581.6 925.7
863.5
124.6 1,760.7 382.5 1,277.4
1.5
1.5
0.0 76.2 4.5 283.0
0.0 229.8 14.1 12.0

5.0 504.2
3,165.7 57,377.8 12,743.5 11,269.5

2,839.3 54,324.9 10,017.6 11,499.8
38.6 222.5 798.4 111.1
18.3 121.9 202.4 16.1
270.8 3,162.8 2,276.5 -11.0
3.5 290.8 110.6 48.2
205.5 598.1 402.2 21.5
210.4 1,343.2 1,064.1 416.2
35.4 1,020.7 422.7 4.2
9.9 125.9 59.0 8.2
0.1 3.5
39.7 997.7 271.8 66.0

120.8 1,831.2 572.2 124.5
81.2 833.5 300.5 58.5
17.9 510.9 225.2 20.4
20,353.9 1,041.2 49.8
4,186.8 120,272.1 20,887.6 14,021.4
3,409.3 91,172.9 17,923.2 4,471.3
2,444.7 80,535.6 13,706.3

12.7 28,796.1 2,839.4
603.3 34,272.3 5,554.0
1,826.6 17,221.9 5,271.2
0.2 218.4 12.9
1.9 26.9 28.8
752.8 5,405.1 2,834.3 2,822.2

116.2 3,826.2 2,330.5
623.9 1,533.4 499.1 2,810.0
12.7 45.5 4.8 12.2
56.7 407.4 88.5 23.3
852.1
75.5 1,609.1 109.2 137.2

79.5 3,215.7 332.8 1,488.6
777.5 8,745.3 1,923.2 9,500.2
600.0 4,975.0 2,634.3 8,895.6

600.0 4,975.0 2,634.3
8,895.6
175.3 3,666.4 -712.2 577.2

0.1
156.5
81.9 2,605.2 -473.6

93.3 1,061.1 -395.3 577.2
2.2 103.9 1.1 27.5
4,186.8 99,918.2 19,846.4 13,971.6
20,353.9 1,041.2 49.8
4,186.8 120,272.1 20,887.6 14,021.4
9,064.5 618,607.2 89,653.8 129,875.7
3,494.5 121,485.6 17,560.3 33,400.9

2,815.6 60,198.3 14,188.0 2,551.5
2,587.1 36,683.5 10,216.1 2,158.3
16,425.7 4,037.1 1,579.1
832.8 13,701.4 2,255.7 257.5
1,132.1 1,045.1 17.7
622.1 6,556.4 2,878.2 304.0
118.4 15,331.3 2,146.7 34.1

110.1 8,183.5 1,825.3 359.1
150.9 15,654.5 6,291.8 87,886.4
150.9 15,580.7 4,855.2 87,886.4
73.9 1,436.6
2,603.4 421,268.8 51,613.7 6,036.9
SOCIEDADES FINAN
COFISA CODIMERSA CREDI Q LEASING ATLANTIDA
3,171.4 498.2 4,099.8 2,633.4
204.2 26.5 449.5 305.0

6.3 0.0 1.4
132.3 12.0 308.3 199.9
64.7 10.2 134.3 103.1
4.4 1.5
0.9 3.6 2.0
0.3
435.0 34.9 61.1 42.2

435.0 32.6 61.1 42.1
435.0 32.6 61.1 42.1
2.3 0.0
0.0 0.0
2,383.4 414.4 3,322.9 446.1

2,350.5 413.8 3,241.0 440.4
63.0 2.6 59.4 3.0
4.4 1.2 8.2 2.0
54.9 8.4 35.9 11.0
49.6 1.3 13.7 7.7
82.6 4.7 100.5 3.1
221.5 17.4 135.9 21.1
5.6 6.4 170.3 1,788.2
27.1 0.1 3.9 38.8
1.7
110.5 8.2 8.8 5.2

159.0 13.5 21.5 19.0
48.5 5.3 12.7 13.8
5.7 5.9 83.4 7.9
6.4 33.2 47.1
3,177.8 498.2 4,133.0 2,680.5
2,135.9 291.7 3,459.6 2,051.0
1,098.4 77.5 2,175.8 1,915.1
138.7 10.3
930.4 76.4 2,151.6 1,911.8
1.5 0.1 8.0
27.8 1.0 5.9 3.2
893.7 203.4 782.0 37.0

893.7 162.2 327.8
41.1 452.6 37.0
1.6
31.5 1.1 9.7 11.8
60.0 7.4 67.4 24.1

52.4 2.4 424.8 63.0
1,035.5 206.5 640.2 582.4
600.0 160.0 300.0 375.0

600.0 160.0 300.0 375.0
418.7 43.8 332.4 205.8
4.0 34.8
240.3 19.7 218.0 134.0
178.4 20.1 79.6 71.8
16.8 2.7 7.8 1.6
3,171.4 498.2 4,099.8 2,633.4
6.4 33.2 47.1
3,177.8 498.2 4,133.0 2,680.5
11,397.5 1,056.7 13,289.7 5,238.9

288.6
7,497.7 482.1 6,128.2 47.4
2,604.9 382.3 3,551.4 468.5
375.2 105.9 2,599.0 421.6
53.8 337.9
375.2 105.9 1,346.1 79.3
1,199.0 0.2
4.2
1,284.5 38.3 952.4 45.7

945.2 238.1 1.3
100.7
100.7
1,294.9 192.3 3,220.7 4,722.9
SOCIEDADES FINANCIERAS
COFINTER FINSOL FINISA FINCA HONDURAS
1,190.0 1,373.7 183.8 552.0
72.8 241.7 100.0 76.8

13.5 36.8 8.6
59.1 93.4 12.9 51.4
13.7 89.9 50.1 13.5
44.9 0.3 3.4
79.1 10.2 22.1 18.5

79.0 10.1 22.1 18.5
79.0 10.1 22.1 18.5
0.0
0.1 0.1 0.0
1,019.6 1,072.2 54.3 441.6

1,049.3 1,012.9 40.5 458.9
16.0 26.1 2.5 9.2
0.3 7.0 1.5 5.4
3.9 56.9 17.7 3.4
2.0 3.9 0.3 3.3
0.4 26.0 0.7 15.2
52.2 60.8 8.8 53.8
14.2 3.2 0.7 2.4
3.9 0.0 5.1
2.8 37.5 4.8 3.7

10.9 93.8 10.3 14.4
8.1 56.4 5.5 10.7
1.4 5.0 1.9 3.8
1,190.0 1,373.7 183.8 552.0
583.6 1,158.5 98.8 507.3
491.1 765.9 96.0 462.1
180.5 25.7 74.5

490.7 582.4 70.0 361.0
0.4 0.2 24.3
2.8 0.3 2.3
25.6 319.1 5.7

25.6 155.1
161.1 5.7
2.9 0.0
10.6 4.6 0.3 1.5
11.1 47.9 1.8 22.9

45.3 21.0 0.7 15.0
606.4 215.2 85.1 44.8
266.2 177.7 95.3 160.8

266.2 177.7 95.3 160.8
340.2 18.0 -10.3 -116.1

1.8
4.0 1.7
258.8 10.8 -9.9 -105.5
77.4 7.1 -2.2 -12.2
19.6
1,190.0 1,373.7 183.8 552.0
1,190.0 1,373.7 183.8 552.0
2,185.7 9,542.6 225.1 5,960.9
1,485.9 2,234.2 120.6 293.2

1,134.8 64.0 503.6
978.9 30.3 494.0
3.0
168.5 18.9 45.0
698.9 5.9 332.0
111.5 2.5 117.0
6.0 32.3 9.5

149.9 1.3
13.0
13.0
699.8 6,160.6 40.5 5,164.1
OFICINAS DE
REPRESENTACION
ODEF FINANCIERA, S.A. LAAD
1,743.1 250.7
338.2 0.2
52.4
81.6
199.0 0.2
5.2
49.0
48.5
48.5
0.4
0.0
1,316.3 250.4
1,050.9 124.8
7.1 121.7
2.5
309.3
4.1
53.9 3.9
111.4
5.4 0.1
8.6 0.1
24.2 -0.1
75.1
50.9 0.1
1.4
1,743.1 250.7
1,363.2 250.5
853.4
384.8
454.4
1.2
13.0
434.0
325.2
108.4
0.5
2.4 0.0
47.1
26.3 250.5
379.9 0.2
240.5
240.5
131.7 0.2
43.0
14.0
45.0 0.2
29.7 0.0
7.8
1,743.1 250.7
1,743.1 250.7
13,973.8 264.8
98.9
1,523.6
1,477.7 250.4
1,221.4 250.4
37.4
689.3
494.7 250.4
84.8
171.5
10,873.6 14.3
Las Cifras al 31 de diciembre de 2022 son P
ESTADO DE RESULTADOS COND
(Cifras en Millones de Lempiras
CUENTAS
PRODUCTOS FINANCIEROS
Intereses sobre Disponibilidades
Inversiones Financieras
Préstamos, Descuentos y Negociaciones
Arrendamiento Financiero
Comisiones
Fideicomisos y Administraciones (Comisiones)
Ganancias por Cambios en el Valor Razonable de Activos y Pasivos Financieros
Ganancias por Venta de Activos y Pasivos Financieros
Otros Ingresos
GASTOS FINANCIEROS
Sobre Obligaciones con los Depositantes
Sobre Obligaciones Financieras
Instrumentos Financieros Derivados
Arrentamiento Financiero
Sobre Títulos Valores de Emisión Propia
Comisiones
Fideicomisos y Administraciones (Comisiones)
Pérdidas por Cambios en el Valor Razonable de Activos y Pasivos Financieros
Pérdidas por Venta de Activos y Pasivos Financieros
Otros Gastos
UTILIDAD FINANCIERA
PRODUCTOS POR SERVICIOS

Ganancias por Cambios en el Valor Razonable de Activos y Pasivos
Ganancia en venta de Activos y Pasivos
Arrendamientos Operativos
Servicios Diversos
GASTOS OPERACIONALES
Gastos de Administración
Deterioro de Activos Financieros
Depreciaciones y Amortizaciones
Provisiones
Gastos Diversos
UTILIDAD DE OPERACIÓN
Ingresos y Gastos No Operacionales
UTILIDAD ANTES DEL IMPUESTO SOBRE LA RENTA
Impuesto Sobre la Renta
UTILIDAD (O PÉRDIDA) NETA
ONSOLIDADO DEL SISTEMA FINANCIERO
ESTADO DE RESULTADOS CONDENSADO */
TOTAL BANCATLAN HONDURAS BANCOCCI
79,207.8 10,758.6 471.0 6,120.7

71.5 3.8
5,226.8 848.9 146.0 643.5
43,238.6 7,340.2 26.5 4,184.5
271.9 23.0 0.5
8,110.5 1,637.2 73.2 841.5
664.5 42.6 95.0
95.5 92.0 0.4
1,887.4 182.6 0.0
19,641.1 588.4 225.0 355.6
36,609.9 3,969.9 26.9 2,342.3

13,399.7 2,807.6 5.0 1,904.8
3,122.0 401.8 0.0 95.4
46.5
0.0
1,521.6 102.8
1,946.1 445.1 17.6 219.5
1.4
120.1 115.6 3.5
10.8
16,441.6 97.1 0.8 122.5
42,597.9 6,788.7 444.1 3,778.4
2,985.2 372.2 13.2 322.0

17.0
981.9 201.5 197.7
106.4 22.6 29.0
1,879.9 148.2 13.2 95.3
34,862.1 5,302.1 230.1 2,898.2

22,302.8 3,694.7 142.6 2,351.0
7,072.4 655.4 274.5
2,172.8 605.8 15.5 151.9
903.3 10.8 14.9
2,410.8 335.4 72.0 106.0
10,720.9 1,858.8 227.2 1,202.2
-191.3 -50.9 9.7 3.7
10,529.7 1,808.0 236.9 1,205.9
3,238.2 550.0 76.5 369.8
7,291.5 1,258.0 160.4 836.1
nacionales de Información Financiera (NIIF) combinadas con las Normas Prudenciales, mismas que tienen como fuente la información recibida del Sistem
de julio 2018, de conformidad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.
BANCOS COMERC
BANCOTRAB FICENSA BANHCAFE BANPAIS
1,042.7 876.0 448.6 5,919.4

0.4 0.0 0.3
15.4 19.8 116.8 914.7
844.4 709.4 223.9 3,885.0
0.6
103.0 43.1 36.0 712.7
35.3 1.8 5.9 8.3
0.3
3.5 41.9
43.6 98.5 23.8 398.3
386.2 442.6 77.1 2,273.8

311.5 191.1 56.1 1,191.2
33.4 130.7 10.9 405.2
55.4 295.0
25.6 21.1 7.3 282.4
0.8
0.3
15.7 43.5 2.5 99.9
656.5 433.4 371.5 3,645.6
74.3 14.8 16.8 259.4

1.8
33.7 3.3 1.1 52.5
0.6 8.5 15.0
40.0 3.0 15.7 190.0
622.7 330.3 330.0 2,445.9

402.7 302.8 281.9 1,617.9
165.2 0.2 8.4 474.6
40.0 19.1 23.4 179.9
-2.9 -0.2 -0.8 2.7
17.7 8.4 17.1 170.8
108.1 117.9 58.3 1,459.1
-1.5 3.9 0.0 -4.8
106.6 121.8 58.4 1,454.3
36.1 39.5 19.8 443.5
70.5 82.3 38.5 1,010.8
e la información recibida del Sistema

BANCOS COMERCIALES
FICOHSA LAFISE BANCO DAVIVIENDA PROMERICA
11,964.0 2,259.4 4,095.2 1,764.0

29.3 0.2 2.0
1,036.5 282.4 21.2 30.0
7,503.1 1,085.7 3,217.9 1,195.6
7.8
1,002.2 179.7 638.0 418.3
112.4 48.1 7.6
2.8
1,140.5 402.0 64.0
1,129.5 261.4 210.2 54.2
4,141.8 1,096.1 1,310.2 761.4

2,047.2 555.0 750.7 517.3
659.5 192.6 272.7 64.2
46.5
767.5 20.4
62.4 91.2 240.9 8.6
0.6
0.8
10.8
558.0 245.9 45.9 151.0
7,822.3 1,163.2 2,784.9 1,002.6
544.6 70.7 64.7 75.0
295.8 10.9 30.9 14.3

21.7 6.4
227.1 59.8 27.4 60.7
6,514.8 784.3 2,315.0 1,005.4

3,583.8 533.6 1,290.4 563.9
1,723.1 157.4 877.8 150.6
405.8 30.7 75.8 170.0
43.9 0.0 10.4 51.3
758.2 62.6 60.6 69.7
1,852.1 449.7 534.6 72.2
-5.4 -5.0 -8.3 -10.5
1,846.6 444.7 526.3 61.7
623.6 139.4 165.5 24.8
1,223.0 305.3 360.8 36.9

AZTECA BANCO POPULAR BAC CREDOMATIC BANRURAL
1,779.3 909.1 24,414.2 2,217.3

11.1 0.0
20.2 0.2 838.0 139.0
1,257.9 780.2 6,483.6 1,434.1
21.1
377.9 89.9 1,438.6 400.3
1.5 56.4 21.0
53.0
123.3 26.4 15,523.4 222.9
146.9 271.5 16,960.3 1,190.9

88.7 159.8 1,534.0 661.5
8.7 101.7 281.4 198.7
0.0
129.4 48.8
26.0 7.6 230.1 223.4
23.5 2.4 14,785.4 58.6
1,632.4 637.6 7,454.0 1,026.4
14.7 37.3 941.4 36.6
8.4 75.4 1.9

0.5 0.4
14.7 28.9 865.5 34.3
1,436.7 536.3 6,829.3 1,420.8

1,034.2 359.0 3,966.7 844.7
282.5 147.2 1,418.9 391.9
77.2 16.4 164.5 108.5
0.6 0.0 743.5 28.6
42.2 13.7 535.7 47.0
210.4 138.6 1,566.0 -357.8
-15.3 -0.6 -53.5 -32.9
195.1 138.0 1,512.5 -390.6
72.4 44.7 451.4 4.6
122.8 93.3 1,061.1 -395.3

BANCOS ESTATALES
BANHPROVI */ COFISA CODIMERSA CREDI Q
1,286.9 695.9 49.3 682.7

0.4 0.5 5.7
118.9 16.7 1.0 2.1
761.0 660.1 45.8 516.8
0.9
11.4 11.8 1.0 26.9
228.7
0.0
166.9 6.8 1.1 130.2
260.8 170.2 13.0 339.8

104.8 2.9 165.0
58.7 47.5 9.6 74.3
80.2 22.1
8.0 17.8 0.1 8.2
0.0
113.8 0.0 0.4 70.2
1,026.2 525.7 36.2 342.8
2.5 18.8 0.7 31.1

15.2
2.5 13.4
0.7
3.5 17.7
451.4 287.3 10.1 259.0

376.1 216.1 7.0 148.6
48.7 44.6 2.3 50.3
18.9 9.4 0.4 33.5
0.2 0.0
7.7 17.0 0.4 26.6
577.3 257.2 26.8 114.9
-0.1 -14.1 -1.6
577.2 243.1 26.8 113.3
64.7 6.7 33.8
577.2 178.4 20.1 79.6

SOCIEDADES FINANCIERAS
LEASING ATLANTIDA COFINTER FINSOL FINISA
302.7 203.1 319.5 19.4

6.3 0.3 2.4 2.8
6.3 6.2
53.7 185.1 276.9 16.3
217.9
2.2 9.5 30.7
0.0
16.2 2.0 9.5 0.3
128.1 30.7 93.7 9.0

125.1 28.3 61.2 8.7
0.6 1.5 31.8
0.3 0.8 0.5 0.1
2.2 0.1 0.2 0.2
174.6 172.4 225.8 10.4
30.0 0.0 4.4
30.0 0.0 0.6

0.1
3.7
116.0 61.7 218.7 11.4

77.3 46.9 162.8 8.6
16.3 10.7 40.4 0.6
4.5 2.3 8.4 1.2
0.0
17.9 1.8 7.1 1.0
88.7 110.7 11.5 -1.1
1.0 -0.2
89.7 110.7 11.3 -1.1
17.8 33.3 4.2 1.2
71.8 77.4 7.1 -2.2

OFICINAS DE
REPRESENTACION
FINCA HONDURAS ODEF FINANCIERA, S.A. LAAD
170.0 437.6 1.2

3.7 2.1
1.3 1.7
148.5 402.3
5.0 20.6
11.6 11.0 1.2
57.5 109.2
53.1 69.0
3.1 38.1
0.5 0.9
0.8 1.1
112.5 328.4 1.2
30.7 9.2
2.8 5.0
0.8
27.9 3.4
154.4 289.0 1.2

129.6 158.8 1.1
18.6 112.1
1.0 8.8
0.2 0.0
5.0 9.2 0.2
-11.2 48.7 0.0
-0.9 -4.2
-12.1 44.5 0.0
0.1 14.9 0.0
-12.2 29.7 0.0

Las Cifras al 31 de diciembre de 2022 son P
CONSOLIDADO DEL SISTEMA F
ESTADO DE SITUACIÓN FINANCIERA
CUENTAS 1/31/2021
ACTIVOS 612,096.0
Caja 8,218.7

Disponibilidad Inmediata 74.1

Vigentes 338,165.9
Atrasados 6,447.8
Vencidos 1,172.6
ACTIVOS MANTENIDOS PARA LA VENTA, GRUPO DE ACTIVOS PARA SU DISPOSICIÓN Y

OPERACIONES DISCONTINUADAS 3,464.8

PASIVOS 543,060.3
De Ahorro 201,022.8
A Plazo 153,679.7

Obligaciones por Activos Arrendados 0.6
PROVISIONES 6,306.0
PATRIMONIO 69,035.7


Reservas 380.8
Resultados del Ejercicio 468.6

Categoría Especial
Otras 6,073.6
diciembre de 2022 son Preliminares
DEL SISTEMA FINANCIERO
ÓN FINANCIERA CONDENSADO */
1 de Diciembre del 2021
en Millones de Lempiras)
2/28/2021 3/31/2021 4/30/2021 5/31/2021 6/30/2021
616,249.8 629,970.2 627,269.5 634,970.1 653,311.4
136,866.9 139,822.7 136,996.3 137,912.9 145,561.7

8,081.1 9,833.3 9,215.4 8,495.4 9,479.2
112,665.2 110,640.5 111,706.5 114,432.2 117,618.5
4,818.0 5,109.5 5,126.2 3,898.1 4,044.1
9,014.9 11,951.5 8,932.8 9,004.8 12,327.0
2,282.4 2,282.9 2,011.0 2,078.4 2,088.4
5.2 5.1 4.5 4.0 4.4
81,907.3 86,666.8 91,219.5 94,922.8 98,153.8

77,061.8 81,589.7 85,591.9 90,659.4 92,945.6
67,875.5 72,892.7 75,179.8 79,973.3 83,746.4
1,384.5 1,393.3 1,382.3 1,353.1 1,258.0
7,801.7 7,303.6 9,029.8 9,333.0 7,941.2
3,145.5 3,404.2 3,480.7 2,840.3 3,636.4
2,653.3 2,911.4 2,966.6 2,328.7 2,271.6
74.0 75.0 74.8 75.4 75.6
209.0 208.7 224.1 220.5 224.2
209.3 209.0 215.2 215.7 1,065.1
949.6 944.2 949.8 950.0 952.0
21.6 22.6 22.8 22.9 17.9
1,259.5 1,237.0 1,705.2 981.1 1,133.0
530.8 530.8 530.9 530.9 531.2
370,224.8 376,423.4 371,416.6 374,060.1 379,835.1

340,971.2 346,863.0 341,280.5 343,529.7 349,956.5
5,982.7 6,043.5 6,402.7 6,605.8 6,314.7
1,165.9 1,113.9 1,095.6 1,175.0 1,149.8
27,937.9 29,041.0 29,758.1 29,926.0 29,947.6
2,542.4 2,503.2 2,492.4 2,485.9 2,474.8
7,560.0 6,861.8 6,428.5 6,505.7 6,249.7
15,935.5 16,003.1 16,041.2 16,168.0 16,258.1

7,240.9 7,137.4 7,688.6 8,456.1 9,734.1
3,335.0 3,262.3 3,188.9 3,154.9 3,167.6
526.3 525.7 525.4 525.9 523.7
350.1 335.0 334.7 327.2 326.9
8,035.3 8,060.3 8,164.7 8,250.1 8,297.7

15,511.8 15,598.4 15,767.1 15,898.8 15,993.8
7,476.6 7,538.1 7,602.4 7,648.7 7,696.1
7,763.1 7,736.7 7,734.6 7,360.3 7,710.9
97,420.0 107,004.7 99,140.2 102,262.2 114,475.6
713,669.8 736,974.9 726,409.6 737,232.4 767,787.0
546,631.6 559,770.4 556,581.3 563,709.8 581,423.9
442,725.0 448,769.7 449,617.9 456,690.9 462,524.3

84,065.0 85,248.6 84,255.8 88,161.6 86,718.3
203,857.1 209,383.5 210,984.3 214,143.1 222,086.9
152,919.9 152,278.5 152,435.2 152,493.3 151,648.9
1,343.0 1,357.3 1,447.6 1,399.9 1,597.6
540.0 501.7 495.0 493.0 472.5
62,562.1 69,942.7 63,509.1 64,520.6 75,634.2

36,961.6 37,401.2 37,624.6 38,025.7 38,570.4
24,910.8 31,946.3 25,323.8 25,936.6 36,576.3
125.0 123.6 70.5 59.7 56.9
0.5 0.4 0.2 0.0 0.0
564.2 471.3 489.9 498.6 430.6
4,586.7 4,539.8 6,555.0 4,237.5 4,629.0
6,182.9 6,164.7 6,159.9 6,169.3 6,124.1
6,597.6 6,465.3 6,575.6 6,826.2 6,790.2

23,977.2 23,888.3 24,163.9 25,265.3 25,722.1
69,618.2 70,199.8 70,688.1 71,260.4 71,887.6
47,261.0 48,040.2 48,096.1 48,116.1 48,116.1

38,445.4 39,224.6 39,280.5 39,280.5 39,280.5
-80.0 -80.0 -80.0 -60.0 -60.0
8,895.6 8,895.6 8,895.6 8,895.6 8,895.6
20,583.9 20,365.1 20,751.6 21,217.9 21,866.9

2,882.4 2,103.1 2,094.6 2,194.6 2,195.1
1,990.6 1,990.6 1,990.6 1,990.6 1,990.6
380.8 380.8 380.8 380.8 380.8
14,307.0 14,307.0 14,259.8 14,139.8 14,135.0
1,023.1 1,583.6 2,025.9 2,512.2 3,165.5
1,773.4 1,794.4 1,840.5 1,926.4 1,904.6
616,249.8 629,970.2 627,269.5 634,970.1 653,311.4
97,420.0 107,004.7 99,140.2 102,262.2 114,475.6
713,669.8 736,974.9 726,409.6 737,232.4 767,787.0
3,119,918.6 3,167,850.9 3,178,550.2 3,197,080.3 3,235,157.0

1,956.0 1,891.1 2,223.5 2,207.6 2,055.0
752,647.6 762,969.1 768,870.3 774,723.4 776,608.0
397,891.6 404,917.2 399,688.3 403,549.7 409,845.5
278,343.1 284,661.7 278,745.5 280,863.4 286,532.3
167,191.0 173,312.4 168,671.4 170,032.8 170,825.7
53,479.9 53,452.4 53,402.5 53,588.3 58,245.1
5,613.1 5,597.6 5,604.3 5,574.7 5,581.3
52,059.1 52,299.2 51,067.4 51,667.6 51,880.3
67,654.6 67,959.5 68,309.6 69,474.0 69,631.5

51,893.9 52,296.0 52,633.2 53,212.4 53,681.7
252,206.4 253,529.3 256,505.8 258,427.6 262,085.6
245,878.7 247,237.7 250,209.9 252,572.9 256,248.6
6,327.7 6,291.7 6,296.0 5,854.7 5,837.0
1,715,217.0 1,744,544.3 1,751,262.3 1,758,172.0 1,784,562.9
inanciera (NIIF) combinadas con las Normas Prudenciales, mismas que tienen como fuente la información recibida del Sistema
inanciera (NIIF) combinadas con las Normas Prudenciales, mismas que tienen como fuente la información recibida del Sistema
ad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.

7/31/2021 8/31/2021 9/30/2021 10/31/2021 11/30/2021
643,619.7 646,998.7 650,229.2 660,049.8 670,728.0
140,368.4 138,570.2 133,179.8 132,950.3 131,799.5

8,883.0 9,484.0 10,628.5 9,513.2 12,598.3
115,932.6 113,403.4 105,476.6 103,389.7 102,473.9
3,985.4 3,969.0 3,656.0 3,648.4 3,986.1
9,349.1 9,757.5 11,417.7 14,101.8 10,826.0
2,214.4 1,952.2 1,997.0 2,293.3 1,911.2
3.9 4.1 4.0 3.9 4.0
100,435.9 103,077.3 105,414.3 107,358.2 108,133.9

94,949.0 97,988.1 100,616.1 101,788.0 103,594.7
84,518.0 87,264.7 90,606.4 92,609.9 94,171.2
1,288.0 1,362.7 1,390.9 1,377.0 1,406.9
9,143.0 9,360.7 8,618.8 7,801.1 8,016.6
3,508.4 3,263.3 2,849.5 3,176.1 3,154.1
2,985.6 2,750.5 2,339.7 1,572.9 1,544.9
74.6 75.7 75.9 127.2 126.4
234.5 223.7 221.2 213.8 196.8
213.8 213.4 212.7 1,262.1 1,286.0
951.4 950.6 953.0 952.9 953.0
17.8 18.0 18.1 18.2 18.2
1,540.5 1,389.0 1,510.4 1,956.4 947.8
531.2 531.6 532.9 533.4 533.8
375,043.5 378,533.8 384,306.6 391,672.6 403,745.9

344,641.4 348,279.3 354,223.2 362,394.1 375,019.2
6,082.9 5,906.6 5,828.3 5,862.6 5,581.6
1,224.7 1,270.1 1,361.3 1,260.9 1,302.6
30,834.2 30,616.1 30,619.5 30,295.0 30,082.4
2,490.0 2,494.3 2,544.5 2,552.0 2,555.7
5,995.4 6,098.4 6,080.0 5,786.6 5,748.9
16,225.0 16,131.2 16,350.2 16,478.6 16,544.5

7,976.9 7,194.5 6,834.8 7,823.1 6,811.6
3,075.2 2,963.5 2,854.6 2,768.4 2,779.4
522.1 524.1 526.5 526.8 527.0
326.7 360.6 360.4 361.5 361.3
8,312.9 8,330.7 8,695.2 8,723.4 8,897.0

16,049.2 16,097.2 16,515.7 16,610.4 16,813.3
7,736.4 7,766.5 7,820.6 7,887.0 7,916.3
7,558.3 7,443.9 8,057.1 7,865.6 7,672.4
105,384.2 104,773.6 106,558.4 108,356.8 106,606.9
749,003.9 751,772.3 756,787.6 768,406.6 777,334.9
571,199.7 573,966.7 576,600.3 585,774.8 596,035.5
462,469.3 466,615.3 467,493.1 471,236.7 477,841.5

87,232.3 90,040.2 90,620.0 91,994.9 95,533.3
221,693.2 224,044.1 225,972.0 228,073.3 231,528.0
151,441.4 150,460.2 148,870.7 149,127.7 148,597.5
1,650.4 1,618.9 1,617.7 1,649.1 1,804.5
451.9 451.9 412.6 391.7 378.3
67,192.8 66,720.6 68,158.1 71,210.1 74,708.0

38,750.5 38,902.4 39,131.6 38,868.8 39,292.1
27,944.0 27,295.9 28,496.2 31,764.9 34,875.7
60.2 52.8 50.7 43.5 32.9
0.0 0.0 0.0 0.0
438.2 469.5 479.6 532.9 507.4
4,364.6 4,835.2 5,147.9 5,538.2 5,139.4
6,091.6 6,111.1 6,144.0 5,667.8 6,444.0
7,097.5 7,390.7 7,620.1 7,987.0 8,289.6

23,983.9 22,293.7 22,037.2 24,135.0 23,613.0
72,420.0 73,032.0 73,628.9 74,275.0 74,692.5
48,116.1 48,654.8 48,654.8 48,594.8 48,617.5

39,280.5 39,819.2 39,819.2 39,759.2 39,781.9
-60.0 -60.0 -60.0 -60.0 -60.0
8,895.6 8,895.6 8,895.6 8,895.6 8,895.6
22,432.8 22,530.0 23,147.6 23,887.0 24,325.8

2,195.1 1,713.3 1,723.3 1,723.3 2,300.8
1,990.6 1,990.6 1,990.6 1,990.6 1,990.6
380.8 380.8 380.8 380.8 380.8
14,131.6 14,129.6 14,126.2 14,122.8 13,094.4
3,734.8 4,315.7 4,926.7 5,669.6 6,559.2
1,871.1 1,847.2 1,826.5 1,793.2 1,749.2
643,619.7 646,998.7 650,229.2 660,049.8 670,728.0
105,384.2 104,773.6 106,558.4 108,356.8 106,606.9
749,003.9 751,772.3 756,787.6 768,406.6 777,334.9
3,234,290.6 3,262,878.5 3,291,674.3 3,318,113.8 3,377,680.9

2,045.7 1,620.5 2,218.6 2,310.5 2,323.9
783,372.1 787,633.5 792,319.2 798,904.7 808,514.3
404,893.4 407,729.8 414,050.4 421,624.7 433,046.3
280,498.1 282,036.1 287,008.6 292,729.6 302,148.4
170,817.0 172,472.5 176,857.2 180,498.8 185,811.4
53,436.8 53,652.2 54,287.8 55,382.7 55,963.5
5,591.8 5,555.3 5,558.1 5,554.2 5,583.7
50,652.5 50,356.1 50,305.5 51,294.0 54,789.9
70,153.5 70,930.0 71,822.2 73,017.0 74,323.6

54,241.8 54,763.7 55,219.6 55,878.1 56,574.3
260,007.8 260,226.5 262,473.9 264,460.0 262,910.9
254,271.4 254,467.9 257,034.2 259,084.6 257,720.9
5,736.4 5,758.6 5,439.6 5,375.4 5,190.0
1,783,971.6 1,805,668.1 1,820,612.3 1,830,813.7 1,870,885.6
12/31/2021
687,229.7
131,925.3
11,984.4
101,320.5
4,366.4
11,814.9
2,435.1
4.0
109,968.6
106,292.7
97,019.0
1,124.9
8,148.8
2,093.0
1,538.4
127.3
217.3
210.0
953.2
18.4
1,144.9
533.7
416,982.2
389,562.4
5,229.7
901.5
30,455.6
2,164.1
5,260.7
16,591.8
8,364.6
2,710.1
527.4
361.0
9,165.5
17,084.3
7,918.9
7,225.0
116,324.4
803,554.1
611,267.3
486,617.1
94,132.3
242,470.4
148,204.8
1,427.9
381.8
84,500.3
39,216.5
44,819.4
31.4
433.0
4,826.5
6,551.7
7,602.8
21,168.8
75,962.4
48,999.4
40,163.8
-60.0
8,895.6
25,224.1
2,606.4
1,990.6
380.8
12,954.9
7,291.5
1,738.9
687,229.7
116,324.4
803,554.1
3,433,097.0
2,456.9
814,935.3
447,123.0
315,787.4
196,141.6
56,274.0
5,570.5
57,801.3
74,037.0
57,298.6
261,107.0
255,788.9
5,318.1
1,907,474.8
CONSOLIDADO DEL SISTEMA FINANCIERO
ESTADO DE RESULTADOS CONDENSADO */
CUENTA 1/31/2021
PRODUCTOS FINANCIEROS 5,683.3

Intereses sobre Disponibilidades 5.2
Inversiones Financieras 438.2
Préstamos, Descuentos y Negociaciones 3,601.0
Arrendamiento Financiero 21.4
Comisiones 618.8
Ganancias por Cambios en el Valor Razonable de Activos y Pasivos Financieros 0.3
Ganancias por Venta de Activos y Pasivos Financieros 47.7
Otros Ingresos 898.5
GASTOS FINANCIEROS 2,572.0

Sobre Obligaciones con los Depositantes 1,312.1
Sobre Obligaciones Financieras 270.6
Arrentamiento Financiero 0.0
Sobre Títulos Valores de Emisión Propia 134.1
Comisiones 133.0
Pérdidas por Cambios en el Valor Razonable de Activos y Pasivos Financieros 23.9
Pérdidas por Venta de Activos y Pasivos Financieros
Otros Gastos 692.1
UTILIDAD FINANCIERA 3,111.3
PRODUCTOS POR SERVICIOS 186.1

Ganancias por Cambios en el Valor Razonable de Activos y Pasivos 1.5
Ganancia en venta de Activos y Pasivos 44.6
Arrendamientos Operativos 8.0
Servicios Diversos 132.1
GASTOS OPERACIONALES 2,612.7

Gastos de Administración 1,682.9
Deterioro de Activos Financieros 521.7
Depreciaciones y Amortizaciones 178.9
Provisiones 61.0
Gastos Diversos 168.2
UTILIDAD DE OPERACIÓN 684.7
Ingresos y Gastos No Operacionales -12.7
UTILIDAD ANTES DEL IMPUESTO SOBRE LA RENTA 672.1
Impuesto Sobre la Renta 203.5
UTILIDAD (O PÉRDIDA) NETA 468.6
inares
ANCIERO
SADO */
2/28/2021 3/31/2021 4/30/2021 5/31/2021 6/30/2021
11,427.2 17,347.2 22,895.8 29,105.9 36,610.6

12.0 18.0 24.1 30.1 36.0
850.8 1,288.1 1,723.5 2,162.5 2,612.8
7,213.8 10,814.7 14,410.4 18,000.8 21,578.4
44.6 66.0 87.7 110.1 131.7
1,205.9 1,853.7 2,413.7 3,065.9 3,740.5
103.3 150.6 206.1 254.7 308.2
15.4 24.7 64.6 36.8 44.8
266.3 402.0 592.1 706.4 898.6
1,715.1 2,729.4 3,373.5 4,738.7 7,259.5
4,969.8 7,508.2 9,701.7 12,515.9 16,432.1

2,581.3 3,810.4 5,015.3 6,188.1 7,314.0
531.2 801.5 1,061.6 1,322.0 1,584.1
11.4 18.2 22.5 25.6 28.6
0.0 0.0 0.0 0.0 0.0
269.0 400.5 531.2 666.5 799.7
276.9 421.0 570.6 721.9 875.0
0.5 0.6 0.8 0.9 1.0
32.1 45.5 46.9 53.0 54.4
1,267.5 2,010.3 2,452.8 3,537.9 5,775.4
6,457.4 9,839.0 13,194.2 16,590.0 20,178.5
384.4 595.9 791.6 992.3 1,205.2

2.8 4.3 6.0 7.7 8.9
99.6 148.0 191.3 231.8 284.0
15.4 24.1 32.1 40.1 48.4
266.7 419.4 562.2 712.7 863.8
5,351.4 8,141.3 11,038.5 13,913.1 16,786.8

3,436.0 5,194.6 7,027.4 8,877.0 10,737.7
1,092.1 1,677.5 2,300.2 2,882.1 3,438.2
355.5 536.0 724.6 901.5 1,086.4
117.8 192.5 263.4 337.3 416.6
350.0 540.6 722.8 915.3 1,107.9
1,490.4 2,293.6 2,947.2 3,669.2 4,596.9
-26.1 -28.7 -39.5 -51.8 -66.3
1,464.3 2,265.0 2,907.7 3,617.3 4,530.7
441.2 681.4 881.8 1,105.2 1,365.2
1,023.1 1,583.6 2,025.9 2,512.2 3,165.5
midad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.

7/31/2021 8/31/2021 9/30/2021 10/31/2021 11/30/2021
45,215.5 51,785.4 58,174.1 64,445.4 70,475.8

41.3 47.5 52.2 58.5 64.4
3,066.7 3,500.1 3,945.3 4,385.2 4,784.9
25,081.9 28,662.1 32,190.0 35,859.3 39,543.9
153.2 174.7 197.4 220.1 248.7
4,404.0 5,068.1 5,767.0 6,484.1 7,212.2
366.5 419.9 475.5 539.8 603.8
55.6 59.7 60.2 63.3 63.3
1,119.3 1,195.1 1,337.8 1,559.4 1,843.4
10,927.0 12,658.4 14,148.7 15,275.8 16,111.3
21,572.2 24,615.8 27,368.0 29,830.6 31,879.5

8,391.5 9,443.8 10,462.5 11,439.4 12,415.3
1,843.5 2,095.9 2,351.7 2,605.8 2,862.5
31.6 34.1 36.1 40.6 43.5
0.0 0.0 0.0 0.0 0.0
929.0 1,048.0 1,165.6 1,283.3 1,400.7
1,045.9 1,216.0 1,382.3 1,554.1 1,741.6
1.1 1.3 1.5 1.6 1.3
55.5 69.0 79.8 101.2 119.7
0.1 0.3 0.3 0.3 1.5
9,274.1 10,707.3 11,888.2 12,804.3 13,293.4
23,643.3 27,169.6 30,806.1 34,614.8 38,596.4
1,439.6 1,657.8 1,951.2 2,190.4 2,441.3

10.2 12.1 13.6 14.6 15.2
354.8 405.7 529.5 602.0 671.4
59.0 68.0 78.3 86.4 94.9
1,015.5 1,172.0 1,329.8 1,487.4 1,659.8
19,654.1 22,516.1 25,506.7 28,461.4 31,422.7

12,698.7 14,554.5 16,423.8 18,289.8 20,242.2
3,902.8 4,471.9 5,146.2 5,735.8 6,246.7
1,261.3 1,438.9 1,612.6 1,797.6 1,977.1
486.3 570.7 641.5 731.6 817.2
1,305.1 1,480.1 1,682.6 1,906.6 2,139.5
5,428.7 6,311.2 7,250.6 8,343.8 9,615.0
-80.8 -97.8 -118.9 -134.3 -160.5
5,347.9 6,213.4 7,131.6 8,209.5 9,454.6
1,613.1 1,897.7 2,205.0 2,539.9 2,895.4
3,734.8 4,315.7 4,926.7 5,669.6 6,559.2

12/31/2021
79,207.8
71.5
5,226.8
43,238.6
271.9
8,110.5
664.5
95.5
1,887.4
19,641.1
36,609.9
13,399.7
3,122.0
46.5
0.0
1,521.6
1,946.1
1.4
120.1
10.8
16,441.6
42,597.9
2,985.2
17.0
981.9
106.4
1,879.9
34,862.1
22,302.8
7,072.4
2,172.8
903.3
2,410.8
10,720.9
-191.3
10,529.7
3,238.2
7,291.5

Estados Financieros DEC 22 Vrs 2021

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Estados Financieros DEC 22 Vrs 2021

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Las Cifras al 31 de diciembre de 2022 son

CONSOLIDADO DEL SISTEMA

INVERSIONES FINANCIERAS 120,218.5

PRÉSTAMOS E INTERESES 484,337.0

CUENTAS POR COBRAR 10,712.3

INVERSIONES EN ACCIONES Y PARTICIPACIONES 530.5

PROPIEDADES DE INVERSIÓN 352.6

PROPIEDADES, MOBILIARIO Y EQUIPO 9,741.3

OTROS ACTIVOS 8,549.6

ACTIVOS CONTINGENTES 122,353.2

TOTAL ACTIVO 872,213.9

OBLIGACIONES BANCARIAS 84,014.2

CUENTAS POR PAGAR 5,669.7

OBLIGACIONES SUBORDINADAS A TÉRMINO 8,483.2

OTROS PASIVOS 20,412.7

CAPITAL SOCIAL 51,812.3

RESERVAS, RESULTADOS y OTROS 30,290.3

PATRIMONIO RESTRINGIDO 1,714.2

SUBTOTAL PASIVO Y PATRIMONIO 749,860.7

PASIVOS CONTINGENTES 122,353.2

TOTAL PASIVOS Y PATRIMONIO 872,213.9

CUENTAS DE ORDEN Y REGISTRO 3,642,838.5

571,482.2 178,378.5 687,229.7 515,085.8

67,169.2 46,120.4 131,925.3 86,451.9

103,332.8 16,885.8 109,968.6 98,359.6

370,418.5 113,918.5 416,982.2 302,864.4

17,385.1 142.2 16,591.8 16,481.1

9,826.5 885.9 8,364.6 7,893.2

2,129.4 0.0 2,710.1 2,710.1

136.2 394.3 527.4 136.2

352.6 0.0 361.0 361.0

9,741.3 0.0 9,165.5 9,165.5

8,375.9 173.7 7,225.0 7,144.1

77,177.5 45,175.7 116,324.4 73,446.6

648,659.7 223,554.2 803,554.1 588,532.4

490,184.0 175,859.8 611,267.3 443,532.1

416,133.3 122,652.1 486,617.1 372,388.8

46,390.5 37,623.7 84,500.3 45,290.0

240.0 390.0 433.0 225.0

5,347.0 322.7 4,826.5 4,601.2

360.0 8,123.2 6,551.7 360.0

13,285.4 7,127.3 21,168.8 13,298.1

83,816.9 0.0 75,962.4 75,959.4

51,812.3 0.0 48,999.4 48,999.4

30,290.3 0.0 25,224.1 25,224.1

1,714.2 0.0 1,738.9 1,735.9

574,000.9 175,859.8 687,229.7 519,491.6

77,177.5 45,175.7 116,324.4 73,446.6

651,178.4 221,035.5 803,554.1 592,938.1

2,707,209.5 935,629.1 3,433,097.0 2,485,280.2

81,874.6 8,813.2 74,037.0 66,433.6

rmidad al Decreto Legislativo No. 358-2014 de fecha 20 de mayo de 2014.

PRODUCTOS FINANCIEROS 76,011.5

GASTOS FINANCIEROS 26,349.5

UTILIDAD FINANCIERA 49,662.0

PRODUCTOS POR SERVICIOS 2,858.1

UTILIDAD DE OPERACIÓN 14,775.4

Ingresos y Gastos No Operacionales -326.8

UTILIDAD ANTES DEL IMPUESTO SOBRE LA RENTA 14,448.5

Impuesto Sobre la Renta 4,387.2

UTILIDAD (O PÉRDIDA) NETA 10,061.3

65,050.5 10,961.0 79,207.8 69,607.6

22,019.8 4,329.7 36,609.9 32,824.9

43,030.6 6,631.4 42,597.9 36,782.7