PROYECCION DE CRECIMIENTO Y

PRESUPUESTO FINANCIERO 2017

PROYECCION PROYECTADO 2017 MARZO REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 150 128 - 22 85.33% 20.65%
SOCIOS 7,271 6,801 6,651 - 150 97.79% 91.47%
APORTACIONES 16,888,958,000 16,003,723,000 15,719,079,039 - 284,643,961 98.22% 93.07%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,002,104,000 9,852,103,936 - 150,000,064 98.50% 91.63%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 35,017,247,000 34,117,246,585 - 900,000,415 97.43% 90.46%
FINANCIAMIENTO EXTERNO 6,985,891,000 6,735,891,000 6,485,890,817 - 250,000,183 96.29% 92.84%
SALDO DE PRESTAMOS 72,754,089,000 67,961,660,000 66,441,985,746 - 1,519,674,254 97.76% 91.32%
TOTAL 145,098,289,000 135,720,625,000 132,616,306,123 -3,104,318,877 97.71% 91.40%
INGRESOS Montos
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 3,203,891,000 1,650,603,738 - 1,553,287,262 51.52% 12.44%
Comisiones Cobradas 144,000,000 36,000,000 19,482,161 - 16,517,839 54.12% 13.53%
Intereses Moratorios Cobrados 115,000,000 28,500,000 16,433,553 - 12,066,447 57.66% 14.29%
Intereses s/ Depósitos a Plazo 96,000,000 24,000,000 5,379,825 - 18,620,175 22.42% 5.60%
Ingresos Operativos Varios 1,212,000,000 303,000,000 5,288,138 - 297,711,862 1.75% 0.44%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 300,000,000 154,163,602 - 145,836,398 51.39% 12.85%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 7,500,000 200,831,273 193,331,273 2677.75% 95.63%
Ingresos por Participació e Excedentes 12,000,000 - - - 0.00%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - - - 0.00%
Comisiones por Servicios de Cobranzas 84,000,000 21,000,000 6,360,698 - 14,639,302 30.29% 7.57%
16,456,998,000 3,923,891,000 2,058,542,988 (1,865,348,012) 52.46% 52.46%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 75,000,000 48,310,950 - 26,689,050 64.41% 16.10%
Intereses Pagados por Plazo Fijo 4,800,000,000 1,200,000,000 679,451,919 - 520,548,081 56.62% 14.16%
Intereses Pagados por Créditos Externos 900,000,000 225,000,000 138,332,777 - 86,667,223 61.48% 15.37%
Comisiones Pagadas por Servicios Financieros 8,400,000 2,100,000 1,792,703 - 307,297 85.37% 21.34%
Previsiones 2,646,000,000 661,500,000 411,662,598 - 249,837,402 62.23% 15.56%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 342,000,000 219,116,982 - 122,883,018 64.07% 16.02%
Beneficios Sociales 378,360,000 102,090,000 34,565,850 - 67,524,150 33.86% 9.14%
Honorarios Profesionales 195,600,000 48,900,000 29,695,454 - 19,204,546 60.73% 15.18%
Servicios con Terceros 302,200,000 69,450,000 10,568,442 - 58,881,558 15.22% 3.50%
Servicio Públicos 117,200,000 29,100,000 33,859,043 4,759,043 116.35% 28.89%
Materiales, Utiles y Papelería 107,500,000 26,400,000 12,248,509 - 14,151,491 46.40% 11.39%
Gastos Judiciales y Otros 36,000,000 9,000,000 50,000 - 8,950,000 0.56% 0.14%
Gastos Informconf 36,000,000 9,000,000 4,294,960 - 4,705,040 47.72% 11.93%
Reparación y Mantenimiento 197,500,000 44,000,000 21,763,359 - 22,236,641 49.46% 11.02%
Procesamiento de Datos 83,000,000 20,000,000 8,843,937 - 11,156,063 44.22% 10.66%
Seguros 306,800,000 76,850,000 11,436,037 - 65,413,963 14.88% 3.73%
Gastos de Viajes 12,000,000 3,000,000 1,980,344 - 1,019,656 66.01% 16.50%
Combustibles y Lubricantes 96,000,000 24,000,000 8,765,000 - 15,235,000 36.52% 9.13%
Mercadeo 50,000,000 12,000,000 9,710,361 - 2,289,639 80.92% 19.42%
Impuestos 38,000,000 20,000,000 10,595,804 - 9,404,196 52.98% 27.88%
Depreciaciones y Amortizacines 532,500,000 105,000,000 58,668,960 - 46,331,040 55.88% 11.02%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 84,000,000 47,500,000 - 36,500,000 56.55% 14.08%
Gastos de Sesión 55,000,000 13,650,000 5,672,139 - 7,977,861 41.55% 10.31%
Gastos de Capacitación Directivo 17,000,000 3,750,000 - - 3,750,000 0.00% 0.00%
Gastos de Viajes 12,000,000 2,880,000 2,594,587 - 285,413 90.09% 21.62%
Gastos de Representación 80,000,000 19,965,000 9,438,026 - 10,526,974 47.27% 11.80%
Dieta Comité Ejecutivo Permanente 94,200,000 23,400,000 15,000,000 - 8,400,000 64.10% 15.92%
Gastos de Asambleas 70,000,000 45,000,000 - - 45,000,000 0.00%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 240,000,000 141,264,113 - 98,735,887 58.86% 14.72%
Gastos Administrativos y Operativos 171,980,000 42,995,000 18,981,784 - 24,013,216 44.15% 11.04%
Educación Cooperativa 30,000,000 7,500,000 - - 7,500,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 118,200,000 2,254,545 - 115,945,455 1.91% 0.48%
14,810,700,000 3,705,730,000 1,998,419,183 - 1,707,310,817 53.93% 13.49%
EXCEDENTE DEL EJERCICIO 1,646,298,000 218,161,000 60,123,805 - 158,037,195 27.56% 3.65%

PLAN DE INVERSIONES TOTAL

INVERSIONES COMPLEJO INDUSTRIAL
Adecuación Infraestructura Existente 400,000,000
RODADOS
Compra de Vehiculo 150,000,000
LOCAL AGENCIA SAN JOSE 500,000,000
EQUIPO INFORMATICO 100,000,000
TOTAL 1,150,000,000
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 ABRIL REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 200 219 19 109.50% 35.32%
SOCIOS 7,271 6,851 6,805 - 46 99.33% 93.59%
APORTACIONES 16,888,958,000 16,099,746,000 16,154,763,604 55,017,604 100.34% 95.65%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,052,104,000 9,609,723,353 - 442,380,647 95.60% 89.38%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 35,317,247,000 35,342,703,832 25,456,832 100.07% 93.70%
FINANCIAMIENTO EXTERNO 6,985,891,000 6,485,891,000 6,485,890,817 - 183 100.00% 92.84%
SALDO DE PRESTAMOS 72,754,089,000 68,478,169,000 67,341,836,244 - 1,136,332,756 98.34% 92.56%
TOTAL 145,098,289,000 136,433,157,000 134,934,917,850 -1,498,239,150 98.90% 93.00%
INGRESOS Montos
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 4,288,129,000 3,573,157,316 - 714,971,684 83.33% 26.94%
Comisiones Cobradas 144,000,000 48,000,000 40,451,409 - 7,548,591 84.27% 28.09%
Intereses Moratorios Cobrados 115,000,000 38,000,000 43,112,166 5,112,166 113.45% 37.49%
Intereses s/ Depósitos a Plazo 96,000,000 32,000,000 5,611,535 - 26,388,465 17.54% 5.85%
Ingresos Operativos Varios 1,212,000,000 404,000,000 5,469,956 - 398,530,044 1.35% 0.45%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 400,000,000 294,600,047 - 105,399,953 73.65% 24.55%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 22,000,000 224,735,225 202,735,225 1021.52% 107.02%
Ingresos por Participació e Excedentes 12,000,000 - - - 0.00%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - - - 0.00%
Comisiones por Servicios de Cobranzas 84,000,000 28,000,000 12,299,906 - 15,700,094 43.93% 14.64%
16,456,998,000 5,260,129,000 4,199,437,560 (1,060,691,440) 79.84% 79.84%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 100,000,000 98,069,030 - 1,930,970 98.07% 32.69%
Intereses Pagados por Plazo Fijo 4,800,000,000 1,600,000,000 1,385,101,300 - 214,898,700 86.57% 28.86%
Intereses Pagados por Créditos Externos 900,000,000 300,000,000 296,489,762 - 3,510,238 98.83% 32.94%
Comisiones Pagadas por Servicios Financieros 8,400,000 2,800,000 3,432,249 632,249 122.58% 40.86%
Previsiones 2,646,000,000 882,000,000 1,089,795,333 207,795,333 123.56% 41.19%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 456,000,000 403,020,811 - 52,979,189 88.38% 29.46%
Beneficios Sociales 378,360,000 131,120,000 102,468,798 - 28,651,202 78.15% 27.08%
Honorarios Profesionales 195,600,000 65,200,000 60,818,182 - 4,381,818 93.28% 31.09%
Servicios con Terceros 302,200,000 100,600,000 42,834,465 - 57,765,535 42.58% 14.17%
Servicio Públicos 117,200,000 38,800,000 47,249,529 8,449,529 121.78% 40.32%
Materiales, Utiles y Papelería 107,500,000 27,200,000 23,772,575 - 3,427,425 87.40% 22.11%
Gastos Judiciales y Otros 36,000,000 12,000,000 1,186,364 - 10,813,636 9.89% 3.30%
Gastos Informconf 36,000,000 12,000,000 7,532,730 - 4,467,270 62.77% 20.92%
Reparación y Mantenimiento 197,500,000 53,500,000 37,642,940 - 15,857,060 70.36% 19.06%
Procesamiento de Datos 83,000,000 27,000,000 16,070,905 - 10,929,095 59.52% 19.36%
Seguros 306,800,000 102,400,000 23,168,045 - 79,231,955 22.63% 7.55%
Gastos de Viajes 12,000,000 4,000,000 4,813,480 813,480 120.34% 40.11%
Combustibles y Lubricantes 96,000,000 32,000,000 24,907,638 - 7,092,362 77.84% 25.95%
Mercadeo 50,000,000 16,000,000 14,742,620 - 1,257,380 92.14% 29.49%
Impuestos 38,000,000 22,000,000 29,973,986 7,973,986 136.25% 78.88%
Depreciaciones y Amortizacines 532,500,000 140,000,000 117,337,920 - 22,662,080 83.81% 22.04%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 111,600,000 100,400,000 - 11,200,000 89.96% 29.75%
Gastos de Sesión 55,000,000 18,200,000 13,416,729 - 4,783,271 73.72% 24.39%
Gastos de Capacitación Directivo 17,000,000 5,000,000 - - 5,000,000 0.00% 0.00%
Gastos de Viajes 12,000,000 3,840,000 4,259,252 419,252 110.92% 35.49%
Gastos de Representación 80,000,000 26,620,000 17,413,573 - 9,206,427 65.42% 21.77%
Dieta Comité Ejecutivo Permanente 94,200,000 31,200,000 30,600,000 - 600,000 98.08% 32.48%
Gastos de Asambleas 70,000,000 45,000,000 57,012,098 12,012,098 0.00%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 320,000,000 275,248,674 - 44,751,326 86.02% 28.67%
Gastos Administrativos y Operativos 171,980,000 57,327,000 37,963,568 - 19,363,432 66.22% 22.07%
Educación Cooperativa 30,000,000 10,000,000 - - 10,000,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 157,600,000 6,197,055 - 151,402,945 3.93% 1.31%
14,810,700,000 4,911,007,000 4,372,939,611 - 538,067,389 89.04% 29.53%
EXCEDENTE DEL EJERCICIO 1,646,298,000 349,122,000 -173,502,051 - 522,624,051 -49.70% -10.54%
Fondo Seguro
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 JUNIO REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 300 276 - 24 92.00% 44.52%
SOCIOS 7,271 6,951 6,834 - 117 98.32% 93.99%
APORTACIONES 16,888,958,000 16,293,522,000 16,250,968,709 - 42,553,291 99.74% 96.22%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,152,104,000 10,207,343,457 55,239,457 100.54% 94.93%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 35,917,247,000 35,766,633,531 - 150,613,469 99.58% 94.83%
FINANCIAMIENTO EXTERNO 6,985,891,000 5,985,891,000 5,401,054,729 - 584,836,271 90.23% 77.31%
SALDO DE PRESTAMOS 72,754,089,000 69,522,992,000 67,332,786,884 - 2,190,205,116 96.85% 92.55%
TOTAL 145,098,289,000 137,871,756,000 134,958,787,310 -2,912,968,690 97.89% 93.01%
INGRESOS Montos
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 6,481,387,000 5,299,975,252 - 1,181,411,748 81.77% 39.96%
Comisiones Cobradas 144,000,000 72,000,000 57,392,320 - 14,607,680 79.71% 39.86%
Intereses Moratorios Cobrados 115,000,000 57,000,000 71,668,977 14,668,977 125.74% 62.32%
Intereses s/ Depósitos a Plazo 96,000,000 48,000,000 59,727,973 11,727,973 124.43% 62.22%
Ingresos Operativos Varios 1,212,000,000 606,000,000 6,853,667 - 599,146,333 1.13% 0.57%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 600,000,000 418,407,930 - 181,592,070 69.73% 34.87%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 27,000,000 238,471,510 211,471,510 883.23% 113.56%
Ingresos por Participació e Excedentes 12,000,000 - 11,616,059 11,616,059 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - - - 0.00%
Comisiones por Servicios de Cobranzas 84,000,000 42,000,000 17,563,377 - 24,436,623 41.82% 20.91%
16,456,998,000 7,933,387,000 6,181,677,065 (1,751,709,935) 77.92% 77.92%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 150,000,000 146,088,502 - 3,911,498 97.39% 48.70%
Intereses Pagados por Plazo Fijo 4,800,000,000 2,400,000,000 2,232,195,600 - 167,804,400 93.01% 46.50%
Intereses Pagados por Créditos Externos 900,000,000 450,000,000 444,896,404 - 5,103,596 98.87% 49.43%
Comisiones Pagadas por Servicios Financieros 8,400,000 4,200,000 5,171,795 971,795 123.14% 61.57%
Previsiones 2,646,000,000 1,323,000,000 2,203,630,857 880,630,857 166.56% 83.28%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 684,000,000 617,483,425 - 66,516,575 90.28% 45.14%
Beneficios Sociales 378,360,000 189,180,000 154,061,860 - 35,118,140 81.44% 40.72%
Honorarios Profesionales 195,600,000 97,800,000 91,818,181 - 5,981,819 93.88% 46.94%
Servicios con Terceros 302,200,000 150,900,000 65,285,894 - 85,614,106 43.26% 21.60%
Servicio Públicos 117,200,000 58,200,000 61,276,963 3,076,963 105.29% 52.28%
Materiales, Utiles y Papelería 107,500,000 40,800,000 30,824,941 - 9,975,059 75.55% 28.67%
Gastos Judiciales y Otros 36,000,000 18,000,000 1,186,364 - 16,813,636 6.59% 3.30%
Gastos Informconf 36,000,000 18,000,000 10,604,557 - 7,395,443 58.91% 29.46%
Reparación y Mantenimiento 197,500,000 78,500,000 58,501,951 - 19,998,049 74.52% 29.62%
Procesamiento de Datos 83,000,000 41,000,000 39,137,271 - 1,862,729 95.46% 47.15%
Seguros 306,800,000 153,500,000 34,900,053 - 118,599,947 22.74% 11.38%
Gastos de Viajes 12,000,000 6,000,000 7,143,792 1,143,792 119.06% 59.53%
Combustibles y Lubricantes 96,000,000 48,000,000 30,414,000 - 17,586,000 63.36% 31.68%
Mercadeo 50,000,000 24,000,000 21,919,891 - 2,080,109 91.33% 43.84%
Impuestos 38,000,000 26,000,000 37,177,879 11,177,879 142.99% 97.84%
Depreciaciones y Amortizacines 532,500,000 210,000,000 176,006,880 - 33,993,120 83.81% 33.05%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 168,000,000 149,610,000 - 18,390,000 89.05% 44.33%
Gastos de Sesión 55,000,000 27,300,000 20,134,649 - 7,165,351 73.75% 36.61%
Gastos de Capacitación Directivo 17,000,000 7,500,000 1,272,727 - 6,227,273 16.97% 7.49%
Gastos de Viajes 12,000,000 5,760,000 5,794,888 34,888 100.61% 48.29%
Gastos de Representación 80,000,000 39,930,000 35,638,375 - 4,291,625 89.25% 44.55%
Dieta Comité Ejecutivo Permanente 94,200,000 46,800,000 46,800,000 - 100.00% 49.68%
Gastos de Asambleas 70,000,000 45,000,000 59,412,098 14,412,098 132.03% 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 480,000,000 385,098,556 - 94,901,444 80.23% 40.11%
Gastos Administrativos y Operativos 171,980,000 85,990,000 64,759,690 - 21,230,310 75.31% 37.66%
Educación Cooperativa 30,000,000 15,000,000 - - 15,000,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 236,400,000 17,614,582 - 218,785,418 7.45% 3.73%
14,810,700,000 7,328,760,000 7,255,862,625 - 72,897,375 99.01% 48.99%
EXCEDENTE DEL EJERCICIO 1,646,298,000 604,627,000 -1,074,185,560 - 1,678,812,560 -177.66% -65.25%
1,521,014,889
446,829,329
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 MAYO REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 250 243 - 7 97.20% 39.19%
SOCIOS 7,271 6,901 6,805 - 96 98.61% 93.59%
APORTACIONES 16,888,958,000 16,196,344,000 16,221,355,609 25,011,609 100.15% 96.05%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,102,104,000 9,539,960,441 - 562,143,559 94.44% 88.73%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 35,617,247,000 35,570,982,687 - 46,264,313 99.87% 94.31%
FINANCIAMIENTO EXTERNO 6,985,891,000 6,235,891,000 6,045,779,843 - 190,111,157 96.95% 86.54%
SALDO DE PRESTAMOS 72,754,089,000 68,998,603,000 67,480,832,217 - 1,517,770,783 97.80% 92.75%
TOTAL 145,098,289,000 137,150,189,000 134,858,910,797 -2,291,278,203 98.33% 92.94%
INGRESOS Montos
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 5,380,607,000 4,408,345,852 - 972,261,148 81.93% 33.24%
Comisiones Cobradas 144,000,000 60,000,000 49,510,436 - 10,489,564 82.52% 34.38%
Intereses Moratorios Cobrados 115,000,000 47,500,000 58,128,289 10,628,289 122.38% 50.55%
Intereses s/ Depósitos a Plazo 96,000,000 40,000,000 53,782,768 13,782,768 134.46% 56.02%
Ingresos Operativos Varios 1,212,000,000 505,000,000 6,444,576 - 498,555,424 1.28% 0.53%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 500,000,000 354,607,286 - 145,392,714 70.92% 29.55%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 24,500,000 232,460,317 207,960,317 948.82%110.70%
Ingresos por Participació e Excedentes 12,000,000 - - - 0.00%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - - - 0.00%
Comisiones por Servicios de Cobranzas 84,000,000 35,000,000 14,835,264 - 20,164,736 42.39% 17.66%
16,456,998,000 6,592,607,000 5,178,114,788 (1,414,492,212) 78.54% 78.54%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 125,000,000 122,075,874 - 2,924,126 97.66% 40.69%
Intereses Pagados por Plazo Fijo 4,800,000,000 2,000,000,000 1,765,127,453 - 234,872,547 88.26% 36.77%
Intereses Pagados por Créditos Externos 900,000,000 375,000,000 377,205,974 2,205,974 100.59% 41.91%
Comisiones Pagadas por Servicios Financieros 8,400,000 3,500,000 4,801,704 1,301,704 137.19% 57.16%
Previsiones 2,646,000,000 1,102,500,000 1,800,670,327 698,170,327 163.33% 68.05%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 570,000,000 503,843,762 - 66,156,238 88.39% 36.83%
Beneficios Sociales 378,360,000 160,150,000 127,345,957 - 32,804,043 79.52% 33.66%
Honorarios Profesionales 195,600,000 101,500,000 84,331,817 - 17,168,183 83.09% 43.11%
Servicios con Terceros 302,200,000 105,750,000 47,248,362 - 58,501,638 44.68% 15.63%
Servicio Públicos 117,200,000 48,500,000 57,491,712 8,991,712 118.54% 49.05%
Materiales, Utiles y Papelería 107,500,000 34,000,000 28,123,360 - 5,876,640 82.72% 26.16%
Gastos Judiciales y Otros 36,000,000 15,000,000 1,186,364 - 13,813,636 7.91% 3.30%
Gastos Informconf 36,000,000 15,000,000 9,505,127 - 5,494,873 63.37% 26.40%
Reparación y Mantenimiento 197,500,000 66,000,000 46,665,270 - 19,334,730 70.70% 23.63%
Procesamiento de Datos 83,000,000 34,000,000 23,911,512 - 10,088,488 70.33% 28.81%
Seguros 306,800,000 127,950,000 29,130,213 - 98,819,787 22.77% 9.49%
Gastos de Viajes 12,000,000 5,000,000 6,452,771 1,452,771 129.06% 53.77%
Combustibles y Lubricantes 96,000,000 40,000,000 25,569,000 - 14,431,000 63.92% 26.63%
Mercadeo 50,000,000 20,000,000 19,897,165 - 102,835 99.49% 39.79%
Impuestos 38,000,000 24,000,000 36,745,480 12,745,480 153.11% 96.70%
Depreciaciones y Amortizacines 532,500,000 175,000,000 146,672,400 - 28,327,600 83.81% 27.54%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 140,400,000 125,240,000 - 15,160,000 89.20% 37.11%
Gastos de Sesión 55,000,000 22,750,000 16,922,269 - 5,827,731 74.38% 30.77%
Gastos de Capacitación Directivo 17,000,000 6,250,000 - - 6,250,000 0.00% 0.00%
Gastos de Viajes 12,000,000 4,800,000 4,993,979 193,979 104.04% 41.62%
Gastos de Representación 80,000,000 33,275,000 30,563,830 - 2,711,170 91.85% 38.20%
Dieta Comité Ejecutivo Permanente 94,200,000 39,000,000 39,000,000 - 100.00% 41.40%
Gastos de Asambleas 70,000,000 45,000,000 58,830,280 13,830,280 130.73% 84.04%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 400,000,000 327,191,139 - 72,808,861 81.80% 34.08%
Gastos Administrativos y Operativos 171,980,000 71,658,000 52,689,616 - 18,968,384 73.53% 30.64%
Educación Cooperativa 30,000,000 12,500,000 - - 12,500,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 197,000,000 12,874,000 - 184,126,000 6.54% 2.73%
14,810,700,000 6,120,483,000 5,932,306,717 - 188,176,283 96.93% 40.05%
EXCEDENTE DEL EJERCICIO 1,646,298,000 472,124,000 -754,191,929 - 1,226,315,929 -159.74% -45.81%
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 JULIO REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 350 312 - 38 89.14% 50.32%
SOCIOS 7,271 7,001 6,830 - 171 97.56% 93.93%
APORTACIONES 16,888,958,000 16,391,283,000 16,276,424,698 - 114,858,302 99.30% 96.37%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,252,104,000 10,663,410,692 411,306,692 104.01% 99.18%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 36,217,247,000 35,619,347,987 - 597,899,013 98.35% 94.44%
FINANCIAMIENTO EXTERNO 6,985,891,000 6,735,891,000 6,699,275,157 - 36,615,843 99.46% 95.90%
SALDO DE PRESTAMOS 72,754,089,000 70,051,367,000 67,081,849,566 - 2,969,517,434 95.76% 92.20%
TOTAL 145,098,289,000 139,647,892,000 136,340,308,100 -3,307,583,900 97.63% 93.96%
INGRESOS
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 7,590,534,000 6,269,809,130 - 1,320,724,870 82.60% 47.27%
Comisiones Cobradas 144,000,000 84,000,000 65,919,663 - 18,080,337 78.48% 45.78%
Intereses Moratorios Cobrados 115,000,000 66,500,000 82,551,848 16,051,848 124.14% 71.78%
Intereses s/ Depósitos a Plazo 96,000,000 56,000,000 71,530,713 15,530,713 127.73% 74.51%
Ingresos Operativos Varios 1,212,000,000 707,000,000 8,080,939 - 698,919,061 1.14% 0.67%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 700,000,000 491,601,629 - 208,398,371 70.23% 40.97%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 29,500,000 244,873,710 215,373,710 830.08% 116.61%
Ingresos por Participació e Excedentes 12,000,000 - 11,616,059 11,616,059 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - 2,272,618 2,272,618 1.89%
Comisiones por Servicios de Cobranzas 84,000,000 49,000,000 20,141,110 - 28,858,890 41.10% 23.98%
16,456,998,000 9,282,534,000 7,268,397,419 (2,014,136,581) 78.30% 78.30%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 175,000,000 172,157,921 - 2,842,079 98.38% 57.39%
Intereses Pagados por Plazo Fijo 4,800,000,000 2,800,000,000 2,607,475,397 - 192,524,603 93.12% 54.32%
Intereses Pagados por Créditos Externos 900,000,000 525,000,000 504,887,982 - 20,112,018 96.17% 56.10%
Comisiones Pagadas por Servicios Financieros 8,400,000 4,900,000 5,317,455 417,455 108.52% 63.30%
Previsiones 2,646,000,000 1,543,500,000 2,481,924,538 938,424,538 160.80% 93.80%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 798,000,000 710,191,082 - 87,808,918 89.00% 51.91%
Beneficios Sociales 378,360,000 233,210,000 192,531,116 - 40,678,884 82.56% 50.89%
Honorarios Profesionales 195,600,000 114,100,000 108,409,090 - 5,690,910 95.01% 55.42%
Servicios con Terceros 302,200,000 176,050,000 76,481,608 - 99,568,392 43.44% 25.31%
Servicio Públicos 117,200,000 67,900,000 77,452,914 9,552,914 114.07% 66.09%
Materiales, Utiles y Papelería 107,500,000 47,600,000 39,461,089 - 8,138,911 82.90% 36.71%
Gastos Judiciales y Otros 36,000,000 21,000,000 1,186,364 - 19,813,636 5.65% 3.30%
Gastos Informconf 36,000,000 21,000,000 12,679,267 - 8,320,733 60.38% 35.22%
Reparación y Mantenimiento 197,500,000 91,000,000 63,910,370 - 27,089,630 70.23% 32.36%
Procesamiento de Datos 83,000,000 48,000,000 40,441,817 - 7,558,183 84.25% 48.73%
Seguros 306,800,000 179,050,000 40,866,093 - 138,183,907 22.82% 13.32%
Gastos de Viajes 12,000,000 7,000,000 8,031,065 1,031,065 114.73% 66.93%
Combustibles y Lubricantes 96,000,000 56,000,000 34,576,000 - 21,424,000 61.74% 36.02%
Mercadeo 50,000,000 28,000,000 22,401,709 - 5,598,291 80.01% 44.80%
Impuestos 38,000,000 28,000,000 37,881,649 9,881,649 135.29% 99.69%
Depreciaciones y Amortizacines 532,500,000 245,000,000 205,341,360 - 39,658,640 83.81% 38.56%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 195,600,000 172,910,000 - 22,690,000 88.40% 51.24%
Gastos de Sesión 55,000,000 31,850,000 23,204,018 - 8,645,982 72.85% 42.19%
Gastos de Capacitación Directivo 17,000,000 8,750,000 1,272,727 - 7,477,273 14.55% 7.49%
Gastos de Viajes 12,000,000 6,720,000 5,794,888 - 925,112 86.23% 48.29%
Gastos de Representación 80,000,000 46,585,000 40,499,440 - 6,085,560 86.94% 50.62%
Dieta Comité Ejecutivo Permanente 94,200,000 54,600,000 54,600,000 - 100.00% 57.96%
Gastos de Asambleas 70,000,000 45,000,000 59,412,098 14,412,098 132.03% 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 560,000,000 449,076,785 - 110,923,215 80.19% 46.78%
Gastos Administrativos y Operativos 171,980,000 100,322,000 76,107,664 - 24,214,336 75.86% 44.25%
Educación Cooperativa 30,000,000 17,500,000 - - 17,500,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 275,800,000 10,729,771 - 265,070,229 3.89% 2.27%
14,810,700,000 8,552,037,000 8,337,213,277 - 214,823,723 97.49% 56.29%
EXCEDENTE DEL EJERCICIO 1,646,298,000 730,497,000 -1,068,815,858 - 1,799,312,858 -146.31% -64.92%
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 AGOSTO REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 400 348 - 52 87.00% 56.13%
SOCIOS 7,271 7,051 6,849 - 202 97.14% 94.20%
APORTACIONES 16,888,958,000 16,489,631,000 16,385,215,551 - 104,415,449 99.37% 97.02%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,352,104,000 9,984,778,731 - 367,325,269 96.45% 92.86%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 36,217,247,000 35,871,779,885 - 345,467,115 99.05% 95.11%
FINANCIAMIENTO EXTERNO 6,985,891,000 6,735,891,000 5,942,737,933 - 793,153,067 88.22% 85.07%
SALDO DE PRESTAMOS 72,754,089,000 70,583,757,000 66,631,828,432 - 3,951,928,568 94.40% 91.58%
TOTAL 145,098,289,000 140,378,630,000 134,816,340,532 -5,562,289,468 96.04% 92.91%
INGRESOS
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 8,708,110,000 7,209,482,345 - 1,498,627,655 82.79% 54.35%
Comisiones Cobradas 144,000,000 96,000,000 73,501,548 - 22,498,452 76.56% 51.04%
Intereses Moratorios Cobrados 115,000,000 76,000,000 94,337,549 18,337,549 124.13% 82.03%
Intereses s/ Depósitos a Plazo 96,000,000 64,000,000 77,475,918 13,475,918 121.06% 80.70%
Ingresos Operativos Varios 1,212,000,000 808,000,000 11,535,484 - 796,464,516 1.43% 0.95%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 800,000,000 575,761,176 - 224,238,824 71.97% 47.98%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 20,000,000 250,615,267 230,615,267 1253.08% 119.34%
Ingresos por Participació e Excedentes 12,000,000 12,000,000 11,616,059 - 383,941 96.80% 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - 2,272,618 2,272,618 1.89%
Comisiones por Servicios de Cobranzas 84,000,000 56,000,000 24,693,615 - 31,306,385 44.10% 29.40%
16,456,998,000 10,640,110,000 8,331,291,579 (2,308,818,421) 78.30% 78.30%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 200,000,000 198,187,925 - 1,812,075 99.09% 66.06%
Intereses Pagados por Plazo Fijo 4,800,000,000 3,200,000,000 2,987,436,299 - 212,563,701 93.36% 62.24%
Intereses Pagados por Créditos Externos 900,000,000 600,000,000 579,752,567 - 20,247,433 96.63% 64.42%
Comisiones Pagadas por Servicios Financieros 8,400,000 5,600,000 5,497,546 - 102,454 98.17% 65.45%
Previsiones 2,646,000,000 1,764,000,000 3,067,224,096 1,303,224,096 173.88% 115.92%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 912,000,000 806,004,647 - 105,995,353 88.38% 58.92%
Beneficios Sociales 378,360,000 262,240,000 217,311,037 - 44,928,963 82.87% 57.43%
Honorarios Profesionales 195,600,000 130,400,000 129,513,635 - 886,365 99.32% 66.21%
Servicios con Terceros 302,200,000 201,200,000 80,980,380 - 120,219,620 40.25% 26.80%
Servicio Públicos 117,200,000 77,600,000 81,655,204 4,055,204 105.23% 69.67%
Materiales, Utiles y Papelería 107,500,000 54,400,000 43,642,583 - 10,757,417 80.23% 40.60%
Gastos Judiciales y Otros 36,000,000 24,000,000 1,186,364 - 22,813,636 4.94% 3.30%
Gastos Informconf 36,000,000 24,000,000 14,008,887 - 9,991,113 58.37% 38.91%
Reparación y Mantenimiento 197,500,000 103,500,000 71,251,122 - 32,248,878 68.84% 36.08%
Procesamiento de Datos 83,000,000 55,000,000 44,491,817 - 10,508,183 80.89% 53.60%
Seguros 306,800,000 204,600,000 47,711,784 - 156,888,216 23.32% 15.55%
Gastos de Viajes 12,000,000 8,000,000 8,878,519 878,519 110.98% 73.99%
Combustibles y Lubricantes 96,000,000 64,000,000 37,208,000 - 26,792,000 58.14% 38.76%
Mercadeo 50,000,000 32,000,000 24,042,617 - 7,957,383 75.13% 48.09%
Impuestos 38,000,000 30,000,000 38,606,133 8,606,133 128.69% 101.60%
Depreciaciones y Amortizacines 532,500,000 280,000,000 234,675,840 - 45,324,160 83.81% 44.07%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 224,400,000 200,660,000 - 23,740,000 89.42% 59.46%
Gastos de Sesión 55,000,000 36,400,000 26,770,766 - 9,629,234 73.55% 48.67%
Gastos de Capacitación Directivo 17,000,000 10,000,000 1,272,727 - 8,727,273 12.73% 7.49%
Gastos de Viajes 12,000,000 7,680,000 6,282,883 - 1,397,117 81.81% 52.36%
Gastos de Representación 80,000,000 53,240,000 44,481,883 - 8,758,117 83.55% 55.60%
Dieta Comité Ejecutivo Permanente 94,200,000 63,000,000 62,400,000 - 600,000 99.05% 66.24%
Gastos de Asambleas 70,000,000 70,000,000 59,412,098 - 10,587,902 84.87% 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 640,000,000 520,935,334 - 119,064,666 81.40% 54.26%
Gastos Administrativos y Operativos 171,980,000 114,653,000 87,786,639 - 26,866,361 76.57% 51.04%
Educación Cooperativa 30,000,000 20,000,000 - - 20,000,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 315,200,000 12,955,808 - 302,244,192 4.11% 2.74%
14,810,700,000 9,787,113,000 9,742,225,140 - 44,887,860 99.54% 65.78%
EXCEDENTE DEL EJERCICIO 1,646,298,000 852,997,000 -1,410,933,561 - 2,263,930,561 -165.41% -85.70%
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 SETIEMBRE REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 455 367 - 88 80.66% 59.19%
SOCIOS 7,271 7,106 6,855 - 251 96.47% 94.28%
APORTACIONES 16,888,958,000 16,588,569,000 16,449,211,808 - 139,357,192 99.16% 97.40%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,452,104,000 10,353,588,983 - 98,515,017 99.06% 96.29%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 36,817,247,000 35,638,318,268 - 1,178,928,732 96.80% 94.49%
FINANCIAMIENTO EXTERNO 6,985,891,000 6,235,891,000 5,284,562,345 - 951,328,655 84.74% 75.65%
SALDO DE PRESTAMOS 72,754,089,000 71,120,194,000 66,804,214,743 - 4,315,979,257 93.93% 91.82%
TOTAL 145,098,289,000 141,214,005,000 134,529,896,147 -6,684,108,853 95.27% 92.72%
INGRESOS
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 9,834,180,000 8,186,941,455 - 1,647,238,545 83.25% 61.72%
Comisiones Cobradas 144,000,000 108,000,000 83,567,077 - 24,432,923 77.38% 58.03%
Intereses Moratorios Cobrados 115,000,000 85,500,000 108,190,120 22,690,120 126.54% 94.08%
Intereses s/ Depósitos a Plazo 96,000,000 72,000,000 84,099,099 12,099,099 116.80% 87.60%
Ingresos Operativos Varios 1,212,000,000 909,000,000 12,249,535 - 896,750,465 1.35% 1.01%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 900,000,000 666,421,305 - 233,578,695 74.05% 55.54%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 22,500,000 256,741,643 234,241,643 1141.07% 122.26%
Ingresos por Participació e Excedentes 12,000,000 12,000,000 11,616,059 - 383,941 96.80% 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - 2,272,618 2,272,618 1.89%
Comisiones por Servicios de Cobranzas 84,000,000 63,000,000 61,774,435 - 1,225,565 98.05% 73.54%
16,456,998,000 12,006,180,000 9,473,873,346 (2,532,306,654) 78.91% 78.91%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 225,000,000 222,256,804 - 2,743,196 98.78% 74.09%
Intereses Pagados por Plazo Fijo 4,800,000,000 3,600,000,000 3,345,041,904 - 254,958,096 92.92% 69.69%
Intereses Pagados por Créditos Externos 900,000,000 675,000,000 637,733,341 - 37,266,659 94.48% 70.86%
Comisiones Pagadas por Servicios Financieros 8,400,000 6,300,000 6,112,266 - 187,734 97.02% 72.77%
Previsiones 2,646,000,000 1,984,500,000 3,788,083,850 1,803,583,850 190.88% 143.16%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 1,026,000,000 903,957,990 - 122,042,010 88.11% 66.08%
Beneficios Sociales 378,360,000 291,270,000 227,784,347 - 63,485,653 78.20% 60.20%
Honorarios Profesionales 195,600,000 155,700,000 150,604,544 - 5,095,456 96.73% 77.00%
Servicios con Terceros 302,200,000 217,350,000 90,753,367 - 126,596,633 41.75% 30.03%
Servicio Públicos 117,200,000 87,300,000 92,040,884 4,740,884 105.43% 78.53%
Materiales, Utiles y Papelería 107,500,000 61,200,000 55,272,933 - 5,927,067 90.32% 51.42%
Gastos Judiciales y Otros 36,000,000 27,000,000 1,366,364 - 25,633,636 5.06% 3.80%
Gastos Informconf 36,000,000 27,000,000 16,447,037 - 10,552,963 60.91% 45.69%
Reparación y Mantenimiento 197,500,000 116,000,000 86,665,211 - 29,334,789 74.71% 43.88%
Procesamiento de Datos 83,000,000 62,000,000 48,667,727 - 13,332,273 78.50% 58.64%
Seguros 306,800,000 230,150,000 53,434,914 - 176,715,086 23.22% 17.42%
Gastos de Viajes 12,000,000 9,000,000 9,133,064 133,064 101.48% 76.11%
Combustibles y Lubricantes 96,000,000 72,000,000 44,597,000 - 27,403,000 61.94% 46.46%
Mercadeo 50,000,000 36,000,000 25,169,890 - 10,830,110 69.92% 50.34%
Impuestos 38,000,000 32,000,000 39,466,982 7,466,982 123.33% 103.86%
Depreciaciones y Amortizacines 532,500,000 315,000,000 264,010,320 - 50,989,680 83.81% 49.58%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 252,000,000 226,910,000 - 25,090,000 90.04% 67.24%
Gastos de Sesión 55,000,000 40,950,000 29,917,591 - 11,032,409 73.06% 54.40%
Gastos de Capacitación Directivo 17,000,000 11,250,000 1,272,727 - 9,977,273 11.31% 7.49%
Gastos de Viajes 12,000,000 8,640,000 7,397,429 - 1,242,571 85.62% 61.65%
Gastos de Representación 80,000,000 59,895,000 48,350,065 - 11,544,935 80.72% 60.44%
Dieta Comité Ejecutivo Permanente 94,200,000 70,800,000 70,200,000 - 600,000 99.15% 74.52%
Gastos de Asambleas 70,000,000 70,000,000 59,412,098 - 10,587,902 84.87% 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 720,000,000 601,320,994 - 118,679,006 83.52% 62.64%
Gastos Administrativos y Operativos 171,980,000 128,985,000 102,028,523 - 26,956,477 79.10% 59.33%
Educación Cooperativa 30,000,000 22,500,000 - - 22,500,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 354,600,000 44,997,523 - 309,602,477 12.69% 9.53%
14,810,700,000 10,995,390,000 11,300,407,689 305,017,689 102.77% 76.30%
EXCEDENTE DEL EJERCICIO 1,646,298,000 1,010,790,000 -1,826,534,343 - 2,837,324,343 -180.70% -110.95%
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 OCTUBRE REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 510 380 - 130 74.51% 61.29%
SOCIOS 7,271 7,161 6,851 - 310 95.67% 94.22%
APORTACIONES 16,888,958,000 16,688,100,000 16,457,475,428 - 230,624,572 98.62% 97.45%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,552,104,000 10,447,656,051 - 104,447,949 99.01% 97.17%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 37,117,247,000 35,880,173,241 - 1,237,073,759 96.67% 95.13%
FINANCIAMIENTO EXTERNO 6,985,891,000 7,485,891,000 4,689,408,660 - 2,796,482,340 62.64% 67.13%
SALDO DE PRESTAMOS 72,754,089,000 71,660,707,000 66,757,140,840 - 4,903,566,160 93.16% 91.76%
TOTAL 145,098,289,000 143,504,049,000 134,231,854,220 -9,272,194,780 93.54% 92.51%
INGRESOS
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 10,968,808,000 9,491,142,530 - 1,477,665,470 86.53% 71.56%
Comisiones Cobradas 144,000,000 120,000,000 92,894,426 - 27,105,574 77.41% 64.51%
Intereses Moratorios Cobrados 115,000,000 95,000,000 120,114,749 25,114,749 126.44% 104.45%
Intereses s/ Depósitos a Plazo 96,000,000 80,000,000 95,901,839 15,901,839 119.88% 99.90%
Ingresos Operativos Varios 1,212,000,000 1,010,000,000 62,845,900 - 947,154,100 6.22% 5.19%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 1,000,000,000 758,664,083 - 241,335,917 75.87% 63.22%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 25,000,000 267,220,018 242,220,018 1068.88% 127.25%
Ingresos por Participació e Excedentes 12,000,000 12,000,000 11,616,059 - 383,941 96.80% 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - 2,272,618 2,272,618 1.89%
Comisiones por Servicios de Cobranzas 84,000,000 70,000,000 64,690,164 - 5,309,836 92.41% 77.01%
16,456,998,000 13,380,808,000 10,967,362,386 (2,413,445,614) 81.96% 81.96%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 250,000,000 248,241,455 - 1,758,545 99.30% 82.75%
Intereses Pagados por Plazo Fijo 4,800,000,000 4,000,000,000 3,727,877,826 - 272,122,174 93.20% 77.66%
Intereses Pagados por Créditos Externos 900,000,000 750,000,000 718,330,450 - 31,669,550 95.78% 79.81%
Comisiones Pagadas por Servicios Financieros 8,400,000 7,000,000 6,368,545 - 631,455 90.98% 75.82%
Previsiones 2,646,000,000 2,205,000,000 3,788,653,304 1,583,653,304 171.82% 143.18%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 1,140,000,000 1,001,911,333 - 138,088,667 87.89% 73.24%
Beneficios Sociales 378,360,000 320,300,000 253,141,316 - 67,158,684 79.03% 66.90%
Honorarios Profesionales 195,600,000 163,000,000 155,363,634 - 7,636,366 95.32% 79.43%
Servicios con Terceros 302,200,000 251,500,000 107,897,263 - 143,602,737 42.90% 35.70%
Servicio Públicos 117,200,000 97,000,000 96,117,229 - 882,771 99.09% 82.01%
Materiales, Utiles y Papelería 107,500,000 68,000,000 60,546,191 - 7,453,809 89.04% 56.32%
Gastos Judiciales y Otros 36,000,000 30,000,000 1,945,764 - 28,054,236 6.49% 5.40%
Gastos Informconf 36,000,000 30,000,000 18,363,235 - 11,636,765 61.21% 51.01%
Reparación y Mantenimiento 197,500,000 128,500,000 103,924,037 - 24,575,963 80.87% 52.62%
Procesamiento de Datos 83,000,000 69,000,000 48,863,182 - 20,136,818 70.82% 58.87%
Seguros 306,800,000 255,700,000 58,929,833 - 196,770,167 23.05% 19.21%
Gastos de Viajes 12,000,000 10,000,000 9,566,246 - 433,754 95.66% 79.72%
Combustibles y Lubricantes 96,000,000 80,000,000 49,896,000 - 30,104,000 62.37% 51.98%
Mercadeo 50,000,000 40,000,000 29,300,799 - 10,699,201 73.25% 58.60%
Impuestos 38,000,000 34,000,000 16,518,542 - 17,481,458 48.58% 43.47%
Depreciaciones y Amortizacines 532,500,000 350,000,000 293,344,800 - 56,655,200 83.81% 55.09%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 280,800,000 250,210,000 - 30,590,000 89.11% 74.15%
Gastos de Sesión 55,000,000 45,500,000 33,075,874 - 12,424,126 72.69% 60.14%
Gastos de Capacitación Directivo 17,000,000 12,500,000 1,272,727 - 11,227,273 10.18% 7.49%
Gastos de Viajes 12,000,000 9,600,000 7,874,702 - 1,725,298 82.03% 65.62%
Gastos de Representación 80,000,000 66,550,000 54,118,611 - 12,431,389 81.32% 67.65%
Dieta Comité Ejecutivo Permanente 94,200,000 78,600,000 78,000,000 - 600,000 99.24% 82.80%
Gastos de Asambleas 70,000,000 70,000,000 59,412,098 - 10,587,902 84.87% 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 800,000,000 681,149,845 - 118,850,155 85.14% 70.95%
Gastos Administrativos y Operativos 171,980,000 143,317,000 113,651,217 - 29,665,783 79.30% 66.08%
Educación Cooperativa 30,000,000 25,000,000 - - 25,000,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 394,000,000 54,491,456 - 339,508,544 13.83% 11.54%
14,810,700,000 12,204,867,000 12,128,357,514 - 76,509,486 99.37% 81.89%
EXCEDENTE DEL EJERCICIO 1,646,298,000 1,175,941,000 -1,160,995,128 - 2,336,936,128 -98.73% -70.52%
 COMPONENTE DEL BALANCE GENERAL EN VALORES ABSOLUTOS Y RELATIVOS

EJERCICIO 2017

DICIEMBRE 2016 *SETIEMBRE 2017 VARIACION

CONCEPTOS
ABSOLUTO RELATIVO ABSOLUTO RELATIVO ABSOLUTO RELATIVO
ACTIVO
CIRCULANTE
DISPONIBILIDADES 7,294,927,262 8.76% 4,480,374,627 5.76% -2,814,552,635 -38.58%
PRESTAMOS 37,155,013,573 44.61% 37,517,242,570 48.27% 362,228,997 0.97%
OTROS CREDITOS 1,038,982,181 1.25% 1,628,864,335 2.10% 589,882,154 56.78%
EXISTENCIAS EN MERCADERIAS 315,739,419 0.38% 320,420,099 0.41% 4,680,680 1.48%
OTROS ACTIVOS 374,796,490 0.45% 332,873,696 0.43% -41,922,794 -11.19%
TOTAL CIRCULANTE 46,179,458,925 55.44% 44,279,775,327 56.97% -1,899,683,598 -4.11%
ACTIVO NO CORRIENTE
PRESTAMOS 27,553,333,929 33.08% 23,809,653,505 30.63% -3,743,680,424 -13.59%
DOC. A COBRAR 1,967,942,520 2.36% 1,895,105,293 2.44% -72,837,227 100.00%
APORTE CECOI 121,490,454 0.15% 151,016,924 0.19% 29,526,470 24.30%
TERRENO EN VENTA S. JOSE 8,045,455 0.01% 8,045,455 0.01% 0 0.00%
BIENES DE USO 6,419,049,365 7.71% 6,242,409,404 8.03% -176,639,961 -2.75%
CHEQUE DEVUELTO 303,100,000 0.36% 347,310,000 0.45% 44,210,000 14.59%
PREV. S/ ACT. RESTRING. -273,100,000 -0.33% -273,100,000 -0.35% 0 0.00%
CARGOS DIFERIDOS 240,540,409 0.29% 417,590,409 0.54% 177,050,000 73.61%
INMUEBLES A REALIZAR 777,251,667 0.93% 850,251,667 1.09% 73,000,000 9.39%
TOTAL ACTIVO NO CORRIENTE 37,117,653,799 44.56% 33,448,282,657 43.03% -3,669,371,142 -9.89%
TOTAL ACTIVO 83,297,112,724 100.00% 77,728,057,984 100.00% -5,569,054,740 -6.69%

PASIVO
CIRCULANTE
CAJA DE AHORROS 32,614,315,252 39.15% 33,225,428,641 42.75% 611,113,389 1.87%
CAJA AHORROS DE COOP. 5,500,000,000 6.60% 5,500,000,000 7.08% 0 0.00%
INTERESES A PAGAR S/ AH. 1,622,056,862 1.95% 1,768,825,018 2.28% 146,768,156 9.05%
PRESTAMOS DE COOP. 2,792,454,774 3.35% 3,288,623,221 4.23% 496,168,447 17.77%
PRESTAMOS BANCARIOS 3,310,232,581 3.97% 1,213,384,173 1.56% -2,096,848,408 -63.34%
CUENTAS A PAGAR 177,449,365 0.21% 186,595,982 0.24% 9,146,617 5.15%
PROVISIONES 4,884,300,010 5.86% 532,420,655 0.68% -4,351,879,355 -89.10%
FONDOS 297,592,198 0.36% 500,079,914 0.64% 202,487,716 68.04%
TOTAL CIRCULANTE 51,198,401,042 61.46% 46,215,357,604 59.46% -4,983,043,438 -9.73%
EXIGIBLE A LARGO PLAZO
CAJA AH. Y AH.PROG. 5,855,035,269 7.03% 7,266,478,610 9.35% 1,411,443,341 24.11%
PRESTAMOS DE COOP. 314,364,660 0.38% 163,618,330 0.21% -150,746,330 -47.95%
PRESTAMOS BANCARIOS 68,838,802 0.08% 618,936,621 0.80% 550,097,819 799.11%
FONDOS 1,403,598,693 1.69% 1,183,229,284 1.52% -220,369,409 -15.70%
TOTAL EXIGIBLE A LARGO PLAZO 7,641,837,424 9.17% 9,232,262,845 11.88% 1,590,425,421 20.81%
TOTAL PASIVO 58,840,238,466 70.64% 55,447,620,449 71.34% -3,392,618,017 -5.77%
PATRIMONIO NETO
CAPITAL SOCIAL 15,719,079,039 18.87% 16,449,211,808 21.16% 730,132,769 4.64%
RESERVAS 7,173,158,039 8.61% 7,657,760,070 9.85% 484,602,031 6.76%
RESULTADO EJERCICIO 1,564,637,180 1.88% -1,826,534,343 -2.35% -3,391,171,523 0.00%
TOTAL PATRIMONIO NETO 24,456,874,258 29.36% 22,280,437,535 28.66% -2,176,436,723 -8.90%
TOTAL PASIVO Y PATRIMONIO NETO 83,297,112,724 100.00% 77,728,057,984 100.00% -5,569,054,740 -6.69%

DR. EUSEBIO AYALA

AGOSTO 2017 *JULIO 2017 VARIACION
CONCEPTOS
ABSOLUTO RELATIVO ABSOLUTO RELATIVO ABSOLUTO RELATIVO
ACTIVO
CIRCULANTE
DISPONIBILIDADES 56,402,313 6.06% 5,835,695,012 7.51% 5,779,292,699 10246.55%
PRESTAMOS 697,920,312 74.97% 38,969,071,418 50.14% 38,271,151,106 5483.60%
OTROS CREDITOS 85,684,533 9.20% 272,292,525 0.35% 186,607,992 217.78%
EXISTENCIAS EN MERCADERIAS 35,454,504 3.81% 344,324,392 0.44% 308,869,888 871.17%
TOTAL CIRCULANTE 875,461,662 94.05% 45,421,383,347 58.44% 44,545,921,685 5088.28%
ACTIVO NO CORRIENTE
PRESTAMOS 0 0.00% 25,113,798,874 32.31% 25,113,798,874 #DIV/0!
APORTE CREDICOOOP 19,584,774 2.10% 1,891,067,964 2.43% 1,871,483,190 100.00%
APORTE CECOI 22,510,027 2.42% 146,934,678 0.19% 124,424,651 552.75%
 BIENES DE USO 13,328,075 1.43% 6,301,721,486 8.11% 6,288,393,411 47181.56%
TOTAL ACTIVO NO CORRIENTE 55,422,876 5.95% 33,453,523,002 43.04% 33,398,100,126 60260.50%
TOTAL ACTIVO 930,884,538 100.00% 78,874,906,349 101.48% 77,944,021,811 8373.11%

PASIVO
CIRCULANTE
CAJA DE AHORROS 1,442,916,474 155.00% 33,667,417,832 43.31% 32,224,501,358 2233.29%
INTERESES A PAGAR S/ AH. 18,286,539 1.96% 1,744,705,732 2.24% 1,726,419,193 9440.93%
PRESTAMOS DE COOP. 205,008,016 22.02% 4,336,726,669 5.58% 4,131,718,653 2015.39%
PRESTAMOS BANCARIOS 0 0.00% 1,579,993,537 2.03% 1,579,993,537 #DIV/0!
CUENTAS A PAGAR 626,440 0.07% 198,628,343 0.26% 198,001,903 31607.48%
PROVISIONES 8,630,067 0.93% 882,897,810 1.14% 874,267,743 10130.49%
FONDOS 106,494,772 11.44% 661,262,846 0.85% 554,768,074 520.93%
TOTAL CIRCULANTE 1,781,962,308 191.43% 43,071,632,769 55.41% 41,289,670,461 2317.09%
EXIGIBLE A LARGO PLAZO
CAJA AH. Y AH.PROG. -17,358,500 -1.86% 7,115,340,847 9.15% 7,132,699,347 -41090.53%
PRESTAMOS DE COOP. 0 0.00% 163,618,330 0.21% 163,618,330 #DIV/0!
PRESTAMOS BANCARIOS 0 0.00% 618,936,621 0.80% 618,936,621 #DIV/0!
FONDOS 1,115,125 0.12% 1,183,229,284 1.52% 1,182,114,159 106007.32%
TOTAL EXIGIBLE A LARGO PLAZO -16,243,375 -1.74% 9,081,125,082 11.68% 9,097,368,457 -56006.64%
TOTAL PASIVO 1,765,718,933 189.68% 52,152,757,851 67.10% 50,387,038,918 2853.63%
PATRIMONIO NETO
CAPITAL SOCIAL 352,058,847 37.82% 16,276,424,698 20.94% 15,924,365,851 4523.21%
RESERVAS 6,128,033 0.66% 7,657,760,070 9.85% 7,651,632,037 124862.77%
RESULTADO EJERCICIO ANTERIOR -1,049,057,093 -112.69%
RESULTADO EJERCICIO -143,964,182 -15.47% -1,068,815,858 -1.38% -924,851,676 0.00%
TOTAL PATRIMONIO NETO -834,834,395 -89.68% 22,865,368,910 29.42% 23,700,203,305 -2838.91%
TOTAL PASIVO Y PATRIMONIO NETO 930,884,538 100.00% 75,018,126,761 96.51% 74,087,242,223 7958.80%
 COMPONENTE DEL BALANCE GENERAL EN VALORES ABSOLUTOS Y RELATIVOS

EJERCICIO 2017

DICIEMBRE 2016 *OCTUBRE 2017 VARIACION

CONCEPTOS
ABSOLUTO RELATIVO ABSOLUTO RELATIVO ABSOLUTO RELATIVO
ACTIVO
CIRCULANTE
DISPONIBILIDADES 7,294,927,262 8.76% 4,579,729,452 5.83% -2,715,197,810 -37.22%
PRESTAMOS 37,155,013,573 44.61% 37,470,168,667 47.68% 315,155,094 0.85%
OTROS CREDITOS 1,038,982,181 1.25% 1,790,426,352 2.28% 751,444,171 72.33%
EXISTENCIAS EN MERCADERIAS 315,739,419 0.38% 334,087,807 0.43% 18,348,388 5.81%
OTROS ACTIVOS 374,796,490 0.45% 327,378,777 0.42% -47,417,713 -12.65%
TOTAL CIRCULANTE 46,179,458,925 55.44% 44,501,791,055 56.63% -1,677,667,870 -3.63%
ACTIVO NO CORRIENTE
PRESTAMOS 27,553,333,929 33.08% 23,861,114,870 30.36% -3,692,219,059 -13.40%
DOC. A COBRAR 1,967,942,520 2.36% 1,891,973,189 2.41% -75,969,331 100.00%
APORTE CECOI 121,490,454 0.15% 153,058,047 0.19% 31,567,593 25.98%
TERRENO EN VENTA S. JOSE 8,045,455 0.01% 8,045,455 0.01% 0 0.00%
BIENES DE USO 6,419,049,365 7.71% 6,210,561,772 7.90% -208,487,593 -3.25%
CHEQUE DEVUELTO 303,100,000 0.36% 347,310,000 0.44% 44,210,000 14.59%
PREV. S/ ACT. RESTRING. -273,100,000 -0.33% -273,100,000 -0.35% 0 0.00%
CARGOS DIFERIDOS 240,540,409 0.29% 417,590,409 0.53% 177,050,000 73.61%
INMUEBLES A REALIZAR 777,251,667 0.93% 1,470,723,667 1.87% 693,472,000 89.22%
TOTAL ACTIVO NO CORRIENTE 37,117,653,799 44.56% 34,087,277,409 43.37% -3,030,376,390 -8.16%
TOTAL ACTIVO 83,297,112,724 100.00% 78,589,068,464 100.00% -4,708,044,260 -5.65%

PASIVO
CIRCULANTE
CAJA DE AHORROS 32,614,315,252 39.15% 33,744,975,834 42.94% 1,130,660,582 3.47%
CAJA AHORROS DE COOP. 5,500,000,000 6.60% 5,500,000,000 7.00% 0 0.00%
INTERESES A PAGAR S/ AH. 1,622,056,862 1.95% 1,936,426,598 2.46% 314,369,736 19.38%
PRESTAMOS DE COOP. 2,792,454,774 3.35% 2,934,965,681 3.73% 142,510,907 5.10%
PRESTAMOS BANCARIOS 3,310,232,581 3.97% 971,888,028 1.24% -2,338,344,553 -70.64%
CUENTAS A PAGAR 177,449,365 0.21% 186,461,196 0.24% 9,011,831 5.08%
PROVISIONES 4,884,300,010 5.86% 854,592,641 1.09% -4,029,707,369 -82.50%
FONDOS 297,592,198 0.36% 456,880,423 0.58% 159,288,225 53.53%
TOTAL CIRCULANTE 51,198,401,042 61.46% 46,586,190,401 59.28% -4,612,210,641 -9.01%
EXIGIBLE A LARGO PLAZO
CAJA AH. Y AH.PROG. 5,855,035,269 7.03% 7,082,853,458 9.01% 1,227,818,189 20.97%
PRESTAMOS DE COOP. 314,364,660 0.38% 163,618,330 0.21% -150,746,330 -47.95%
PRESTAMOS BANCARIOS 68,838,802 0.08% 618,936,621 0.79% 550,097,819 799.11%
FONDOS 1,403,598,693 1.69% 1,183,229,284 1.51% -220,369,409 -15.70%
TOTAL EXIGIBLE A LARGO PLAZO 7,641,837,424 9.17% 9,048,637,693 11.51% 1,406,800,269 18.41%
TOTAL PASIVO 58,840,238,466 70.64% 55,634,828,094 70.79% -3,205,410,372 -5.45%
PATRIMONIO NETO
CAPITAL SOCIAL 15,719,079,039 18.87% 16,457,475,428 20.94% 738,396,389 4.70%
RESERVAS 7,173,158,039 8.61% 7,657,760,070 9.74% 484,602,031 6.76%
RESULTADO EJERCICIO 1,564,637,180 1.88% -1,160,995,128 -1.48% -2,725,632,308 0.00%
TOTAL PATRIMONIO NETO 24,456,874,258 29.36% 22,954,240,370 29.21% -1,502,633,888 -6.14%
TOTAL PASIVO Y PATRIMONIO NETO 83,297,112,724 100.00% 78,589,068,464 100.00% -4,708,044,260 -5.65%
 COMPONENTE DEL BALANCE GENERAL EN VALORES ABSOLUTOS Y RELATIVOS

EJERCICIO 2017

DICIEMBRE 2016 *NOVIEMBRE 2017 VARIACION

CONCEPTOS
ABSOLUTO RELATIVO ABSOLUTO RELATIVO ABSOLUTO RELATIVO
ACTIVO
CIRCULANTE
DISPONIBILIDADES 7,294,927,262 8.76% 5,351,853,752 6.74% -1,943,073,510 -26.64%
PRESTAMOS 37,155,013,573 44.61% 37,117,512,592 46.77% -37,500,981 -0.10%
OTROS CREDITOS 1,038,982,181 1.25% 1,864,627,058 2.35% 825,644,877 79.47%
EXISTENCIAS EN MERCADERIAS 315,739,419 0.38% 346,218,318 0.44% 30,478,899 9.65%
OTROS ACTIVOS 374,796,490 0.45% 322,278,451 0.41% -52,518,039 -14.01%
TOTAL CIRCULANTE 46,179,458,925 55.44% 45,002,490,171 56.70% -1,176,968,754 -2.55%
ACTIVO NO CORRIENTE
PRESTAMOS 27,553,333,929 33.08% 24,160,599,919 30.44% -3,392,734,010 -12.31%
DOC. A COBRAR 1,967,942,520 2.36% 1,891,067,964 2.38% -76,874,556 100.00%
APORTE CECOI 121,490,454 0.15% 155,099,170 0.20% 33,608,716 27.66%
TERRENO EN VENTA S. JOSE 8,045,455 0.01% 8,045,455 0.01% 0 0.00%
BIENES DE USO 6,419,049,365 7.71% 6,190,328,684 7.80% -228,720,681 -3.56%
CHEQUE DEVUELTO 303,100,000 0.36% 347,310,000 0.44% 44,210,000 14.59%
PREV. S/ ACT. RESTRING. -273,100,000 -0.33% -273,100,000 -0.34% 0 0.00%
CARGOS DIFERIDOS 240,540,409 0.29% 417,590,409 0.53% 177,050,000 73.61%
INMUEBLES A REALIZAR 777,251,667 0.93% 1,470,723,667 1.85% 693,472,000 89.22%
TOTAL ACTIVO NO CORRIENTE 37,117,653,799 44.56% 34,367,665,268 43.30% -2,749,988,531 -7.41%
TOTAL ACTIVO 83,297,112,724 100.00% 79,370,155,439 100.00% -3,926,957,285 -4.71%

PASIVO
CIRCULANTE
CAJA DE AHORROS 32,614,315,252 39.15% 33,839,988,032 42.64% 1,225,672,780 3.76%
CAJA AHORROS DE COOP. 5,500,000,000 6.60% 5,535,791,714 6.97% 35,791,714 0.65%
INTERESES A PAGAR S/ AH. 1,622,056,862 1.95% 1,832,282,848 2.31% 210,225,986 12.96%
PRESTAMOS DE COOP. 2,792,454,774 3.35% 2,491,895,104 3.14% -300,559,670 -10.76%
PRESTAMOS BANCARIOS 3,310,232,581 3.97% 1,761,621,496 2.22% -1,548,611,085 -46.78%
CUENTAS A PAGAR 177,449,365 0.21% 205,081,992 0.26% 27,632,627 15.57%
PROVISIONES 4,884,300,010 5.86% 746,969,602 0.94% -4,137,330,408 -84.71%
FONDOS 297,592,198 0.36% 405,473,082 0.51% 107,880,884 36.25%
TOTAL CIRCULANTE 51,198,401,042 61.46% 46,819,103,870 58.99% -4,379,297,172 -8.55%
EXIGIBLE A LARGO PLAZO
CAJA AH. Y AH.PROG. 5,855,035,269 7.03% 7,473,148,755 9.42% 1,618,113,486 27.64%
PRESTAMOS DE COOP. 314,364,660 0.38% 163,618,330 0.21% -150,746,330 -47.95%
PRESTAMOS BANCARIOS 68,838,802 0.08% 618,936,621 0.78% 550,097,819 799.11%
FONDOS 1,403,598,693 1.69% 1,183,229,284 1.49% -220,369,409 -15.70%
TOTAL EXIGIBLE A LARGO PLAZO 7,641,837,424 9.17% 9,438,932,990 11.89% 1,797,095,566 23.52%
TOTAL PASIVO 58,840,238,466 70.64% 56,258,036,860 70.88% -2,582,201,606 -4.39%
PATRIMONIO NETO
CAPITAL SOCIAL 15,719,079,039 18.87% 16,270,553,706 20.50% 551,474,667 3.51%
RESERVAS 7,173,158,039 8.61% 7,657,760,070 9.65% 484,602,031 6.76%
RESULTADO EJERCICIO 1,564,637,180 1.88% -816,195,197 -1.03% -2,380,832,377 0.00%
TOTAL PATRIMONIO NETO 24,456,874,258 29.36% 23,112,118,579 29.12% -1,344,755,679 -5.50%
TOTAL PASIVO Y PATRIMONIO NETO 83,297,112,724 100.00% 79,370,155,439 100.00% -3,926,957,285 -4.71%
VO
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 NOVIEMBRE REALIZADO DIFERENCIAS MES AÑO
SOCIOS INGRESADOS EN EL AÑO 620 565 416 - 149 73.63% 67.10%
SOCIOS 7,271 7,216 6,781 - 435 93.97% 93.26%
APORTACIONES 16,888,958,000 16,788,229,000 16,270,553,706 - 517,675,294 96.92% 96.34%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 10,652,104,000 10,442,225,181 - 209,878,819 98.03% 97.12%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 37,417,247,000 36,383,011,770 - 1,034,235,230 97.24% 96.46%
FINANCIAMIENTO EXTERNO 6,985,891,000 7,235,891,000 5,036,071,551 - 2,199,819,449 69.60% 72.09%
SALDO DE PRESTAMOS 72,754,089,000 72,205,329,000 66,404,484,765 - 5,800,844,235 91.97% 91.27%
TOTAL 145,098,289,000 144,298,800,000 134,536,346,973 -9,762,453,027 93.23% 92.72%
INGRESOS
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 12,112,059,000 10,441,626,467 - 1,670,432,533 86.21% 78.72%
Comisiones Cobradas 144,000,000 132,000,000 102,476,325 - 29,523,675 77.63% 71.16%
Intereses Moratorios Cobrados 115,000,000 104,500,000 132,841,116 28,341,116 127.12% 115.51%
Intereses s/ Depósitos a Plazo 96,000,000 88,000,000 95,901,839 7,901,839 108.98% 99.90%
Ingresos Operativos Varios 1,212,000,000 1,111,000,000 70,102,718 - 1,040,897,282 6.31% 5.78%
Ingresos por Ventas y Servicios No Financieros
Ingresos por Ventas 1,200,000,000 1,100,000,000 844,639,623 - 255,360,377 76.79% 70.39%
INGRESOS NO OPERATIVOS
Ingresos varios 210,000,000 27,500,000 268,729,706 241,229,706 977.20% 127.97%
Ingresos por Participació e Excedentes 12,000,000 12,000,000 11,616,059 - 383,941 96.80% 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 - 2,272,618 2,272,618 1.89%
Comisiones por Servicios de Cobranzas 84,000,000 77,000,000 67,207,144 - 9,792,856 87.28% 80.01%
16,456,998,000 14,764,059,000 12,037,413,615 (2,726,645,385) 81.53% 81.53%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 275,000,000 268,658,574 - 6,341,426 97.69% 89.55%
Intereses Pagados por Plazo Fijo 4,800,000,000 4,400,000,000 3,980,722,854 - 419,277,146 90.47% 82.93%
Intereses Pagados por Créditos Externos 900,000,000 825,000,000 753,875,121 - 71,124,879 91.38% 83.76%
Comisiones Pagadas por Servicios Financieros 8,400,000 7,700,000 10,078,181 2,378,181 130.89% 119.98%
Previsiones 2,646,000,000 2,425,500,000 3,790,990,363 1,365,490,363 156.30% 143.27%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 1,254,000,000 1,099,864,676 - 154,135,324 87.71% 80.40%
Beneficios Sociales 378,360,000 349,330,000 295,948,605 - 53,381,395 84.72% 78.22%
Honorarios Profesionales 195,600,000 179,300,000 165,045,453 - 14,254,547 92.05% 84.38%
Servicios con Terceros 302,200,000 276,650,000 126,124,795 - 150,525,205 45.59% 41.74%
Servicio Públicos 117,200,000 106,700,000 103,736,436 - 2,963,564 97.22% 88.51%
Materiales, Utiles y Papelería 107,500,000 74,800,000 65,459,609 - 9,340,391 87.51% 60.89%
Gastos Judiciales y Otros 36,000,000 33,000,000 2,395,764 - 30,604,236 7.26% 6.65%
Gastos Informconf 36,000,000 33,000,000 19,598,025 - 13,401,975 59.39% 54.44%
Reparación y Mantenimiento 197,500,000 141,000,000 125,949,140 - 15,050,860 89.33% 63.77%
Procesamiento de Datos 83,000,000 76,000,000 66,306,456 - 9,693,544 87.25% 79.89%
Seguros 306,800,000 281,250,000 64,030,159 - 217,219,841 22.77% 20.87%
Gastos de Viajes 12,000,000 11,000,000 10,828,955 - 171,045 98.45% 90.24%
Combustibles y Lubricantes 96,000,000 88,000,000 55,579,000 - 32,421,000 63.16% 57.89%
Mercadeo 50,000,000 44,000,000 30,796,253 - 13,203,747 69.99% 61.59%
Impuestos 38,000,000 36,000,000 16,518,542 - 19,481,458 45.88% 43.47%
Depreciaciones y Amortizacines 532,500,000 385,000,000 322,679,280 - 62,320,720 83.81% 60.60%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 308,600,000 276,120,000 - 32,480,000 89.48% 81.82%
Gastos de Sesión 55,000,000 50,050,000 36,090,241 - 13,959,759 72.11% 65.62%
Gastos de Capacitación Directivo 17,000,000 13,750,000 1,272,727 - 12,477,273 9.26% 7.49%
Gastos de Viajes 12,000,000 10,560,000 8,554,702 - 2,005,298 81.01% 71.29%
Gastos de Representación 80,000,000 73,205,000 57,729,520 - 15,475,480 78.86% 72.16%
Dieta Comité Ejecutivo Permanente 94,200,000 86,400,000 85,800,000 - 600,000 99.31% 91.08%
Gastos de Asambleas 70,000,000 70,000,000 59,412,098 - 10,587,902 84.87% 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 880,000,000 761,635,022 - 118,364,978 86.55% 79.34%
Gastos Administrativos y Operativos 171,980,000 157,648,000 125,594,921 - 32,053,079 79.67% 73.03%
Educación Cooperativa 30,000,000 27,500,000 - - 27,500,000 0.00% 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 433,400,000 66,213,340 - 367,186,660 15.28% 14.03%
14,810,700,000 13,413,343,000 12,853,608,812 - 559,734,188 95.83% 86.79%
EXCEDENTE DEL EJERCICIO 1,646,298,000 1,350,716,000 -816,195,197 - 2,166,911,197 -60.43% -49.58%
 COMPONENTE DEL BALANCE GENERAL EN VALORES ABSOLUTOS Y RELATIVOS

EJERCICIO 2017

DICIEMBRE 2016 *DICIEMBRE 2017 VARIACION

CONCEPTOS
ABSOLUTO RELATIVO ABSOLUTO RELATIVO ABSOLUTO RELATIVO
ACTIVO
CIRCULANTE
DISPONIBILIDADES 7,294,927,262 8.76% 11,381,013,644 12.98% 4,086,086,382 56.01%
PRESTAMOS 37,155,013,573 44.61% 36,952,398,872 42.15% -202,614,701 -0.55%
OTROS CREDITOS 1,038,982,181 1.25% 1,747,029,747 1.99% 708,047,566 68.15%
EXISTENCIAS EN MERCADERIAS 315,739,419 0.38% 336,759,826 0.38% 21,020,407 6.66%
OTROS ACTIVOS 374,796,490 0.45% 328,874,287 0.38% -45,922,203 -12.25%
TOTAL CIRCULANTE 46,179,458,925 55.44% 50,746,076,376 57.88% 4,566,617,451 9.89%
ACTIVO NO CORRIENTE
PRESTAMOS 27,553,333,929 33.08% 25,527,487,669 29.12% -2,025,846,260 -7.35%
DOC. A COBRAR 1,967,942,520 2.36% 2,684,344,874 3.06% 716,402,354 100.00%
APORTE CECOI 121,490,454 0.15% 157,140,293 0.18% 35,649,839 29.34%
TERRENO EN VENTA S. JOSE 8,045,455 0.01% 8,045,455 0.01% 0 0.00%
BIENES DE USO 6,419,049,365 7.71% 6,467,264,419 7.38% 48,215,054 0.75%
CHEQUE DEVUELTO 303,100,000 0.36% 283,310,000 0.32% -19,790,000 -6.53%
PREV. S/ ACT. RESTRING. -273,100,000 -0.33% -283,310,000 -0.32% -10,210,000 3.74%
CARGOS DIFERIDOS 240,540,409 0.29% 218,147,773 0.25% -22,392,636 -9.31%
INMUEBLES A REALIZAR 777,251,667 0.93% 1,860,282,000 2.12% 1,083,030,333 139.34%
TOTAL ACTIVO NO CORRIENTE 37,117,653,799 44.56% 36,922,712,483 42.12% -194,941,316 -0.53%
TOTAL ACTIVO 83,297,112,724 100.00% 87,668,788,859 100.00% 4,371,676,135 5.25%

PASIVO
CIRCULANTE
CAJA DE AHORROS 32,614,315,252 39.15% 34,775,240,937 39.67% 2,160,925,685 6.63%
CAJA AHORROS DE COOP. 5,500,000,000 6.60% 5,500,000,000 6.27% 0 0.00%
INTERESES A PAGAR S/ AH. 1,622,056,862 1.95% 1,805,669,436 2.06% 183,612,574 11.32%
PRESTAMOS DE COOP. 2,792,454,774 3.35% 1,650,183,048 1.88% -1,142,271,726 -40.91%
PRESTAMOS BANCARIOS 3,310,232,581 3.97% 1,375,516,773 1.57% -1,934,715,808 -58.45%
CUENTAS A PAGAR 177,449,365 0.21% 365,856,946 0.42% 188,407,581 106.18%
PROVISIONES 4,884,300,010 5.86% 6,208,908,527 7.08% 1,324,608,517 27.12%
FONDOS 297,592,198 0.36% 394,527,452 0.45% 96,935,254 32.57%
TOTAL CIRCULANTE 51,198,401,042 61.46% 52,075,903,119 59.40% 877,502,077 1.71%
EXIGIBLE A LARGO PLAZO
CAJA AH. Y AH.PROG. 5,855,035,269 7.03% 7,385,068,900 8.42% 1,530,033,631 26.13%
PRESTAMOS DE COOP. 314,364,660 0.38% 642,817,295 0.73% 328,452,635 104.48%
PRESTAMOS BANCARIOS 68,838,802 0.08% 942,706,666 1.08% 873,867,864 1269.44%
FONDOS 1,403,598,693 1.69% 1,183,229,284 1.35% -220,369,409 -15.70%
TOTAL EXIGIBLE A LARGO PLAZO 7,641,837,424 9.17% 10,153,822,145 11.58% 2,511,984,721 32.87%
TOTAL PASIVO 58,840,238,466 70.64% 62,229,725,264 70.98% 3,389,486,798 5.76%
PATRIMONIO NETO
CAPITAL SOCIAL 15,719,079,039 18.87% 16,250,130,110 18.54% 531,051,071 3.38%
RESERVAS 7,173,158,039 8.61% 7,920,463,090 9.03% 747,305,051 10.42%
RESULTADO EJERCICIO 1,564,637,180 1.88% 1,268,470,395 1.45% -296,166,785 0.00%
TOTAL PATRIMONIO NETO 24,456,874,258 29.36% 25,439,063,595 29.02% 982,189,337 4.02%
TOTAL PASIVO Y PATRIMONIO NETO 83,297,112,724 100.00% 87,668,788,859 100.00% 4,371,676,135 5.25%
 PROYECCION DE CRECIMIENTO Y
PRESUPUESTO FINANCIERO 2017
PROYECCION PROYECTADO 2017 REALIZADO DIFERENCIAS AÑO
SOCIOS INGRESADOS EN EL AÑO 620 458 - 162 73.87%
SOCIOS 7,271 6,799 - 472 93.51%
APORTACIONES 16,888,958,000 16,250,130,110 - 638,827,890 96.22%
DEPOSITOS CAJA AHORROS VISTA 10,752,104,000 11,229,120,940 477,016,940 104.44%
DEPOSITOS CAJA AHORROS PLAZO FIJO 37,717,247,000 36,362,736,083 - 1,354,510,917 96.41%
FINANCIAMIENTO EXTERNO 6,985,891,000 4,611,223,782 - 2,374,667,218 66.01%
SALDO DE PRESTAMOS 72,754,089,000 66,239,371,045 - 6,514,717,955 91.05%
TOTAL 145,098,289,000 134,692,581,960 -10,405,707,040 92.83%
INGRESOS
INGRESOS OPERATIVOS
Ingresos Operativos por Servicios Financieros
Intereses Compensat. Cob. s/ Créditos 13,263,998,000 12,439,084,408 - 824,913,592 93.78%
Comisiones Cobradas 144,000,000 118,843,644 - 25,156,356 82.53%
Intereses Moratorios Cobrados 115,000,000 151,260,238 36,260,238 131.53%
Intereses s/ Depósitos a Plazo 96,000,000 108,004,786 12,004,786 112.50%
Ingresos Operativos Varios 1,212,000,000 1,478,249,377 266,249,377 121.97%
Ingresos por Ventas y Servicios No Financieros -
Ingresos por Ventas 1,200,000,000 952,664,029 - 247,335,971 79.39%
INGRESOS NO OPERATIVOS -
Ingresos varios 210,000,000 277,970,563 67,970,563 132.37%
Ingresos por Participació e Excedentes 12,000,000 11,616,059 - 383,941 96.80%
Utilidad por Ventas de Bienes Adjurdicados 120,000,000 134,222,727 14,222,727 111.85%
Comisiones por Servicios de Cobranzas 84,000,000 70,082,913 - 13,917,087 83.43%
16,456,998,000 15,741,998,744 (714,999,256) 95.66%
EGRESOS
COSTOS Y GASTOS OPERATIVOS
Intereses Pagados por Depositos a la Vista 300,000,000 298,950,646 - 1,049,354 99.65%
Intereses Pagados por Plazo Fijo 4,800,000,000 4,359,948,362 - 440,051,638 90.83%
Intereses Pagados por Créditos Externos 900,000,000 792,926,366 - 107,073,634 88.10%
Comisiones Pagadas por Servicios Financieros 8,400,000 10,559,454 2,159,454 125.71%
Previsiones 2,646,000,000 4,042,635,209 1,396,635,209 152.78%
GASTOS ADMINISTRATIVO POR AH Y CREDITO
Sueldos Personal Adm. Y Otros 1,368,000,000 1,213,214,532 - 154,785,468 88.69%
Beneficios Sociales 378,360,000 325,456,503 - 52,903,497 86.02%
Honorarios Profesionales 195,600,000 184,545,452 - 11,054,548 94.35%
Servicios con Terceros 302,200,000 162,657,134 - 139,542,866 53.82%
Servicio Públicos 117,200,000 105,420,627 - 11,779,373 89.95%
Materiales, Utiles y Papelería 107,500,000 85,048,417 - 22,451,583 79.11%
Gastos Judiciales y Otros 36,000,000 35,603,082 - 396,918 98.90%
Gastos Informconf 36,000,000 21,435,395 - 14,564,605 59.54%
Reparación y Mantenimiento 197,500,000 141,121,011 - 56,378,989 71.45%
Procesamiento de Datos 83,000,000 69,596,457 - 13,403,543 83.85%
Seguros 306,800,000 69,953,814 - 236,846,186 22.80%
Gastos de Viajes 12,000,000 12,169,173 169,173 101.41%
Combustibles y Lubricantes 96,000,000 59,599,000 - 36,401,000 62.08%
Mercadeo 50,000,000 34,541,707 - 15,458,293 69.08%
Impuestos 38,000,000 41,834,609 3,834,609 110.09%
Depreciaciones y Amortizacines 532,500,000 563,881,504 31,381,504 105.89%
GASTOS DE GOBERNABILIDAD
Dietas 337,460,000 302,670,000 - 34,790,000 89.69%
Gastos de Sesión 55,000,000 38,611,886 - 16,388,114 70.20%
Gastos de Capacitación Directivo 17,000,000 1,272,727 - 15,727,273 7.49%
Gastos de Viajes 12,000,000 9,673,966 - 2,326,034 80.62%
Gastos de Representación 80,000,000 82,517,322 2,517,322 103.15%
Dieta Comité Ejecutivo Permanente 94,200,000 94,200,000 - 100.00%
Gastos de Asambleas 70,000,000 59,412,098 - 10,587,902 84.87%
COSTOS Y GASTOS POR ACTIVIDAD NO FINANCIERA
Costo de Ventas 960,000,000 878,484,323 - 81,515,677 91.51%
Gastos Administrativos y Operativos 171,980,000 137,373,394 - 34,606,606 79.88%
Educación Cooperativa 30,000,000 - - 30,000,000 0.00%
COSTOS Y GASTOS NO OPERATIVOS
Otros Gastos no Operativos 472,000,000 238,214,179 - 233,785,821 50.47%
14,810,700,000 14,473,528,349 - 337,171,651 97.72%
EXCEDENTE DEL EJERCICIO 1,646,298,000 1,268,470,395 - 377,827,605 77.05%
 288,951,550
4,606,760
5,392,336
298,950,646

3,623,886,995
2,269,645
3,826,200,363 5,982,397
(1,422,124,226) 727,809,325
2,404,076,137 4,359,948,362
 ASPECTOS FINANCIEROS
ASPECTOS FINANCIEROS
AL 30 DE NOVIEMBRE DE 2.017

FINANCIAMIENTO DEL ACTIVO EJERC-2013 EJERC-2014 EJERC-2015 EJERC-2016 EJERC-2017

Capital Integrado = 19.38% 19.98% 19.09% 18.87% 20.50%
Activo
Reservas y Resultados = 10.17% 10.89% 11.33% 10.49% 8.70%
Activo
Ahorros de Socios = 45.44% 46.04% 47.48% 46.18% 52.10%
Activo
Ahorros de Cooperativas = 6.94% 8.75% 8.38% 6.60% 7.00%
Activo
Préstamos Coop. Bancos = 11.54% 10.14% 6.93% 7.78% 6.40%
Activo
Otros Acreedores = 2.20% 2.85% 2.76% 2.17% 2.36%
Activo
Provisiones = 3.16% 0.29% 2.62% 5.86% 0.94%
Activo
Pasivo Diferido = 0.01% 0.00% 0.00% 0.00% 0.00%
Activo
Fondos Constituidos = 1.16% 1.06% 1.41% 2.05% 2.00%
Activo
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00%

RELACION INGRESOS/GASTOS
Gastos Administrativos = 19.37% 18.85% 21.56% 41.50% 47.90%
Ingresos Totales
Gastos Financieros = 38.05% 41.35% 37.66% 34.50% 41.70%
Ingresos Totales
Gastos Directivos = 4.04% 4.52% 3.89% 3.40% 3.90%
Ingresos Totales
Gastos Operativos del Personal = 15.75% 14.46% 12.26% 10.10% 13.30%
Ingresos Totales
Excedentes = 22.79% 20.82% 24.63% 10.50% -6.80%
Ingresos Totales
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00%

RENTABILIDAD DEL CAPITAL

Excedente = 19.00% 17.20% 18.81% 9.95% -5.60%
Capital Social
Excedente = 12.45% 11.10% 11.80% 6.40% -3.60%
Patrimonio Neto
Excedente = 3.68% 3.50% 3.59% 1.88% -1.10%
Activo Total

APLICACIÓN DE RECURSOS
Prestamos al dia = 77.21% 76.92% 75.52% 77.95% 63.39%
Activo
Prestamos vencidos = 0.29% 1.21% 0.99% 2.67% 13.80%
Activo
Otros Créditos = 1.42% 1.45% 2.52% 1.71% 2.35%
Activo
Disponibilidades = 12.90% 7.87% 8.99% 5.16% 6.74%
Activo
Existencia Mercaderias = 0.52% 0.43% 0.33% 0.36% 0.44%
Activo
Bienes de Uso = 5.41% 7.37% 8.43% 8.71% 7.80%
Activo
Otros Rubros = 2.25% 4.75% 3.22% 3.44% 5.48%
Activo
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00%
ASPECTOS FINANCIEROS ASPECTOS FINANCIEROS
AL 31 DE DICIEMBRE DE 2.017

FINANCIAMIENTO DEL ACTIVO EJERC-2013 EJERC-2014 EJERC-2015 EJERC-2016 EJERC-2017

Capital Integrado = 19.38% 19.98% 19.09% 18.87% 18.54%
Activo
Reservas y Resultados = 10.17% 10.89% 11.33% 10.49% 10.48%
Activo
Ahorros de Socios = 45.44% 46.04% 47.48% 46.18% 48.09%
Activo
Ahorros de Cooperativas = 6.94% 8.75% 8.38% 6.60% 6.27%
Activo
Préstamos Coop. Bancos = 11.54% 10.14% 6.93% 7.78% 5.26%
Activo
Otros Acreedores = 2.20% 2.85% 2.76% 2.17% 2.48%
Activo
Provisiones = 3.16% 0.29% 2.62% 5.86% 7.08%
Activo
Pasivo Diferido = 0.01% 0.00% 0.00% 0.00% 0.00%
Activo
Fondos Constituidos = 1.16% 1.06% 1.41% 2.05% 1.80%
Activo
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00%

RELACION INGRESOS/GASTOS
Gastos Administrativos = 19.37% 18.85% 21.56% 41.50% 42.87%
Ingresos Totales
Gastos Financieros = 38.05% 41.35% 37.66% 34.50% 34.70%
Ingresos Totales
Gastos Directivos = 4.04% 4.52% 3.89% 3.40% 3.72%
Ingresos Totales
Gastos Operativos del Personal = 15.75% 14.46% 12.26% 10.10% 10.65%
Ingresos Totales
Excedentes = 22.79% 20.82% 24.63% 10.50% 8.06%
Ingresos Totales
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00%

RENTABILIDAD DEL CAPITAL

Excedente = 19.00% 17.20% 18.81% 9.95% 7.81%
Capital Social
Excedente = 12.45% 11.10% 11.80% 6.40% 4.99%
Patrimonio Neto
Excedente = 3.68% 3.50% 3.59% 1.88% 1.45%
Activo Total

APLICACIÓN DE RECURSOS
Prestamos al dia = 77.21% 76.92% 75.52% 77.95% 71.27%
Activo
Prestamos vencidos = 0.29% 1.21% 0.99% 2.67% 4.29%
Activo
Otros Créditos = 1.42% 1.45% 2.52% 1.71% 1.99%
Activo
Disponibilidades = 12.90% 7.87% 8.99% 5.16% 12.98%
Activo
Existencia Mercaderias = 0.52% 0.43% 0.33% 0.36% 0.38%
Activo
Bienes de Uso = 5.41% 7.37% 8.43% 8.71% 7.38%
Activo
Otros Rubros = 2.25% 4.75% 3.22% 3.44% 1.71%
Activo
TOTAL 100.00% 100.00% 100.00% 100.00% 100.00%