PRINCIPALES RUBROS DE BALANCE

GENERAL
Al 31 de marzo de 2024

Cifras en miles de quetzales

ACTIVO NETO CARTERA DE

INSTITUCIONES BANCARIAS DISPONIBILIDA INVERSIONES CRÉDITOS

DES 1/
EL CRÉDITO HIPOTECARIO NACIONAL DE
GUATEMALA 873,289 2,503,179 4,815,312
INMOBILIARIO, S. A. 379,674 365,805 1,710,656
DE LOS TRABAJADORES 4,991,140 9,034,399 26,179,277
INDUSTRIAL, S. A. 21,058,798 35,213,313 92,428,198
DE DESARROLLO RURAL, S. A. 15,651,577 40,934,480 48,335,780
INTERNACIONAL, S. A. 1,938,312 2,062,278 10,342,110
CITIBANK, N.A., SUCURSAL GUATEMALA 1,482,818 2,177,904 82,161
VIVIBANCO, S. A. 135,854 206,162 342,981
FICOHSA GUATEMALA, S. A. 445,796 609,092 3,366,184
PROMERICA, S. A. 3,346,947 2,434,784 21,216,931
DE ANTIGUA, S. A. 234,121 182,181 1,320,865
DE AMÉRICA CENTRAL, S. A. 5,226,277 6,047,062 31,223,579
AGROMERCANTIL DE GUATEMALA, S. A. 5,571,657 4,652,926 32,714,956
G&T CONTINENTAL, S. A. 10,708,873 19,565,434 35,284,440
AZTECA DE GUATEMALA, S. A. 375,944 133,000 2,074,211
INV, S. A. 146,683 292,889 547,819
CREDICORP, S. A. 257,065 1,073,676 66,581
NEXA, S. A. 67,478 60,868 344,531
TOTAL 72,892,303 127,549,432 312,396,572
PRINCIPALES RUBROS DE BALANCE
GENERAL
Al 31 de marzo de 2024

Cifras en miles de quetzales

OBLIGACION
PASIVO Y CAPITAL OBLIGACIONES CRÉDITOS ES
FINANCIERA
INSTITUCIONES BANCARIAS DEPOSITARIAS OBTENIDOS S

EL CRÉDITO HIPOTECARIO NACIONAL DE

GUATEMALA 6,899,024 0 15
INMOBILIARIO, S. A. 2,124,133 12,467 0
DE LOS TRABAJADORES 32,803,290 0 0
INDUSTRIAL, S. A. 112,381,197 25,996,917 0
DE DESARROLLO RURAL, S. A. 89,381,587 2,506,355 0
INTERNACIONAL, S. A. 11,639,546 1,016,810 400
CITIBANK, N.A., SUCURSAL GUATEMALA 3,257,246 0 0
VIVIBANCO, S. A. 543,932 14,804 0
FICOHSA GUATEMALA, S. A. 3,045,144 803,489 186,050
PROMERICA, S. A. 20,534,445 3,502,457 0
DE ANTIGUA, S. A. 1,419,586 131,460 0
DE AMÉRICA CENTRAL, S. A. 35,906,860 3,296,027 0
AGROMERCANTIL DE GUATEMALA, S. A. 32,368,824 5,797,089 3,430
G&T CONTINENTAL, S. A. 51,742,543 6,788,237 6,428
AZTECA DE GUATEMALA, S. A. 1,916,916 0 0
INV, S. A. 879,648 5,194 2,071
CREDICORP, S. A. 1,220,711 47,001 0
NEXA, S. A. 307,848 0 0
TOTAL 408,372,480 49,918,307 198,394
Notas:
1/ Incluye: Inversiones permanentes.
2/ Incluye: Bienes realizables.
3/ Incluye: Cuentas por cobrar, productos
financieros por cobrar y sucursales, casa matriz y
departamentos adscritos.
4/ Incluye: Moneda nacional y moneda extranjera.
5/ Incluye: Cuentas por pagar, gastos financieros por
pagar, otras obligaciones y sucursales, casa matriz y
departamentos adscritos.

https://www.sib.gob.gt/ConsultaDinamica/?cons=3
 INMUEBL
OTRAS ES CARGOS OTROS TOTAL
INVERSIONES Y DIFERIDO
2/ MUEBLES S ACTIVOS 3/ ACTIVO
NETO4/

58,323 256,762 28,670 780,157 9,315,692

1,121 74,925 16,765 55,267 2,604,212
85,875 415,450 101,013 620,429 41,427,584
571,273 1,913,735 1,134,673 3,623,654 155,943,644
415,080 504,568 1,916,450 1,283,517 109,041,451
14,641 90,142 53,575 184,555 14,685,613
0 7,579 998 42,197 3,793,656
30,728 29,146 2,629 19,271 766,770
4,040 66,781 77,528 84,243 4,653,664
21,255 949,621 224,517 443,443 28,637,498
779 7,080 78,088 97,219 1,920,334
196,021 231,097 95,461 1,877,707 44,897,203
246,579 329,243 126,899 367,710 44,009,971
500,328 521,240 346,894 863,355 67,790,563
0 62,010 45,205 78,404 2,768,773
539 20,693 544 32,121 1,041,289
8,162 875 3,734 18,588 1,428,680
0 1,692 12,082 4,985 491,635
2,154,744 5,482,639 4,265,725 10,476,822 535,218,232

CRÉDITO OTRAS
S OTROS CUENTAS CAPITAL TOTAL
DIFERIDO PASIVOS CONTABL
S 5/ ACREEDORAS E PASIVO
Y
CAPITAL
PROVISIONES 4/

66,226 69,838 958,833 38,601 1,283,154 9,315,692

3,251 8,850 40,154 11,197 404,161 2,604,212
134,236 386,092 1,288,368 436,488 6,379,110 41,427,584
113,256 304,364 4,863,464 308,113 11,976,333 155,943,644
1,011,830 145,424 3,241,556 758,173 11,996,526 109,041,451
74,070 49,674 287,765 24,703 1,592,645 14,685,613
57,146 119 47,896 1,037 430,213 3,793,656
6,133 1,418 12,299 18,203 169,980 766,770
27,021 3,967 138,199 5,571 444,222 4,653,664
142,499 91,018 1,345,574 146,179 2,875,327 28,637,498
19,972 0 59,937 38,729 250,650 1,920,334
159,754 81,539 1,076,986 215,125 4,160,912 44,897,203
198,878 182,154 1,376,215 197,299 3,886,082 44,009,971
94,396 109,569 2,916,405 338,273 5,794,712 67,790,563
141,700 56,882 134,957 33,710 484,609 2,768,773
3,666 752 25,308 872 123,777 1,041,289
4,868 48,603 17,368 9,435 80,694 1,428,680
970 1,158 5,874 2,638 173,147 491,635
2,259,872 1,541,421 17,837,158 2,584,346 52,506,254 535,218,232
INSTITUCIONES BANCARIAS https://www.sib.gob.gt/ConsultaDinamica/?cons=383
Perfil Financiero
Información referida al 30 de abril de 2024

Cifras en miles de quetzales

EL CRÉDITO HIPOTECARIO NACIONAL DE
PERFIL FINANCIERO GUATEMALA
ACTIVO 9,830,498
DISPONIBILIDADES 527,654
Caja 82,728
Banco Central 378,361
Bancos del País 2,505
Bancos del Exterior 48,540
Cheques a Compensar 15,445
Giros sobre el Exterior 75
INVERSIONES 3,396,085
En Títulos-Valores para Negociación 0
En Títulos-Valores para la Venta 7,772
En Títulos-Valores para su Vencimiento 3,379,841
Operaciones de Reporto 0
Certificados de Participación 22,244
Intereses Pagados en Compra de Valores 0
SUMA 3,409,857
(-) Estimaciones por Valuación 13,772
CARTERA DE CRÉDITOS 4,974,942
Vigente 4,943,272
Vencidos 128,911
SUMA 5,072,183
(-) Estimaciones Por Valuación 97,241
PRODUCTOS FINANCIEROS POR COBRAR 51,159
CUENTAS POR COBRAR (Neto) 540,338
BIENES REALIZABLES (Neto) 39,747
INVERSIONES PERMANENTES (Neto) 4,590
OTRAS INVERSIONES (Neto) 16,443
SUCURSALES, CASA MATRIZ Y
DEPARTAMENTOS ADSCRITOS 0
INMUEBLES Y MUEBLES (Neto) 257,174
CARGOS DIFERIDOS (Neto) 22,365
PASIVO 8,512,222
OBLIGACIONES DEPOSITARIAS 7,379,687
Depósitos Monetarios 1,718,901
Depósitos de Ahorro 964,670
Depósitos a Plazo 4,675,776
Depósitos a la Orden 4,804
Depósitos con Restricciones 15,537
CRÉDITOS OBTENIDOS 0
Del Banco Central 0
De Instituciones Financieras Nacionales 0
De Instituciones Financieras Extranjeras 0
Organismos Internacionales 0
OBLIGACIONES FINANCIERAS 15
GASTOS FINANCIEROS POR PAGAR 42,164
CUENTAS POR PAGAR 926,397
PROVISIONES 68,980
SUCURSALES, CASA MATRIZ Y
DEPARTAMENTOS ADSCRITOS 0
OTRAS OBLIGACIONES 0
CRÉDITOS DIFERIDOS 56,240
SUMA 8,473,483
OTRAS CUENTAS ACREEDORAS 38,739
CAPITAL CONTABLE 1,318,276
CAPITAL PAGADO 791,456
Capital Autorizado 5,000,000
(-) Capital No Pagado 4,208,544
Casa Matriz, Capital Asignado 0
APORTACIONES PERMANENTES 1,571
RESERVA DE CAPITAL 1,324,432
RESERVAS PARA ACTIVOS EXTRAORDINARIOS 0
REVALUACIÓN DE ACTIVOS 139,952
OBLIGACIONES SUBORDINADAS 0
GANANCIAS Y PÉRDIDAS POR FUSIÓN 0
VALUACIÓN DE ACTIVOS DE RECUPERACIÓN
DUDOSA 0
PROVISION DE BENEFICIOS A EMPLEADOS 0
AJUSTES AL IMPUESTO SOBRE LA RENTA 0
GANANCIAS O PÉRDIDAS POR CAMBIOS EN EL
VALOR DE MERCADO DE LAS INVERSIONES 0
RESULTADOS DE EJERCICIOS ANTERIORES -994,701
RESULTADOS DEL EJERCICIO 41,083
TOTAL IGUAL A LA SUMA DEL ACTIVO 9,830,498

ESTADO DE RESULTADOS
PRODUCTOS FINANCIEROS 229,811
GASTOS FINANCIEROS 149,129
MARGEN POR INVERSIÓN 80,682
PRODUCTOS POR SERVICIOS 368,213
GASTOS POR SERVICIOS 19,766
MARGEN POR SERVICIOS 348,447
OTROS PRODUCTOS Y GASTOS DE OPERACIÓN
Productos 1,644
Gastos 13,882
MARGEN OTROS PRODUCTOS Y GASTOS DE
OPERACIÓN -12,238
MARGEN OPERACIONAL BRUTO 416,890
GASTOS DE ADMINISTRACIÓN 157,177
MARGEN OPERACIONAL NETO 259,713
PRODUCTOS Y GASTOS EXTRAORDINARIOS -214,052
Productos Extraordinarios 25,778
Gastos Extraordinarios 239,830
PRODUCTOS Y GASTOS DE EJERCICIOS
ANTERIORES -4,578
Productos de Ejercicios Anteriores 2,125
Gastos de Ejercicios Anteriores 6,703
GANANCIA (PÉRDIDA) BRUTA 41,083
IMPUESTO SOBRE LA RENTA 0
GANANCIA (PÉRDIDA) NETA 41,083
TASAS DE INTERÉS PROMEDIO PONDERADAS
MONEDA NACIONAL
OPERACIONES ACTIVAS
Préstamos 8.91%
Documentos Descontados 0.00%
OPERACIONES PASIVAS
Depósitos Monetarios 1.25%
Depósitos de Ahorro 3.25%
Depósitos a Plazo 6.85%
Bonos 0.00%
Pagarés Financieros 0.00%
Obligaciones Subordinadas 0.00%
Obligaciones Financieras con Restricciones 0.00%
Obligaciones Convertibles en Acciones 0.00%
MONEDA EXTRANJERA
OPERACIONES ACTIVAS
Préstamos 6.99%
Documentos Descontados 9.50%
OPERACIONES PASIVAS
Depósitos Monetarios 4.38%
Depósitos de Ahorro 3.54%
Depósitos a Plazo 4.51%
Bonos 0.00%
Pagarés Financieros 0.00%
Obligaciones Subordinadas 0.00%
Obligaciones Financieras con Restricciones 0.00%
Obligaciones Convertibles en Acciones 0.00%
ENCAJE LEGAL
MONEDA NACIONAL
Encaje Computable 1,038,044
Encaje Requerido 1,036,537
Posición 1,506
MONEDA EXTRANJERA /Cifras en miles de Dólares
Encaje Computable 7,415
Encaje Requerido 4,069
Posición 3,346
CARTERA DE CRÉDITOS
MONEDA NACIONAL
TOTAL DE CARTERA DE CRÉDITOS (BRUTA) 100.00%
Vigente 97.37%
Vencidos en Proceso de Prórroga 0.18%
Vencidos en Cobro Administrativo 1.40%
Vencidos en Cobro Judicial 1.05%
Monto total de Cartera de Créditos (Bruta) 4,772,291
MONEDA EXTRANJERA
TOTAL DE CARTERA DE CRÉDITOS (BRUTA) 100.00%
Vigente 98.90%
Vencidos en Proceso de Prórroga 0.00%
Vencidos en Cobro Administrativo 0.00%
Vencidos en Cobro Judicial 1.10%
Monto total de Cartera de Créditos (Bruta) 299,892

DEPÓSITOS
MONEDA NACIONAL
No. de Cuentas Depósitos Monetarios 120,042
Monto Depósitos Monetarios 1,551,671
No. de Cuentas Depósitos de Ahorro 31,979
Monto Depósitos de Ahorro 929,914
No. de Cuentas Depósitos a Plazo 1,640
Monto Depósitos a Plazo 4,610,057
No. de Cuentas a la Orden 198
Monto Depósitos a la Orden 4,713
No. de Cuentas Depósitos con Restricciones 8,514
Monto Depósitos con Restricciones 14,947
No. de Obligaciones Financieras 2
Monto Obligaciones Financieras 15
MONEDA EXTRANJERA
No. de Cuentas Depósitos Monetarios 587
Monto Depósitos Monetarios 167,230
No. de Cuentas Depósitos de Ahorro 524
Monto Depósitos de Ahorro 34,757
No. de Cuentas Depósitos a Plazo 91
Monto Depósitos a Plazo 65,719
No. de Cuentas a la Orden 11
Monto Depósitos a la Orden 91
No. de Cuentas Depósitos con Restricciones 76
Monto Depósitos con Restricciones 590
No. de Obligaciones Financieras 0
Monto Obligaciones Financieras 0
POSICIÓN PATRIMONIAL
CAPITAL COMPUTABLE 1,303,805
CAPITAL REQUERIDO 522,350
POSICIÓN 781,454
INDICADORES FINANCIEROS
LIQUIDEZ
Liquidez inmediata (LI) 7.11%
Liquidez mediata (LM) 47.00%
SOLVENCIA
Patrimonio con relación a activos (PA) 13.41%
Patrimonio con relación a cartera de créditos (PCC) 26.50%
Patrimonio con relación a las captaciones (PCA) 17.76%
Adecuación de capital (AC) 25.18%
Calce de operaciones ME con relación al patrimonio
computable (COME) 0.14%
RENTABILIDAD
Rendimiento sobre patrimonio (ROE) 17.53%
Rendimiento sobre activos (ROA) 2.13%
Eficiencia sobre activos (EA) 5.58%
Eficiencia (EF) 52.20%
CALIDAD DE ACTIVOS
Cartera de créditos vencida con relación a cartera de
créditos bruta (CVC) 2.54%
Cobertura de cartera de créditos en riesgo (CCR) 75.43%
INMOBILIARIO, DE LOS INDUSTRIAL, DE DESARROLLO
S. A. TRABAJADORES S. A. RURAL, S. A.
2,714,962 41,500,507 154,940,593 108,987,659
379,210 5,030,437 20,726,171 15,194,115
77,609 187,424 1,817,323 3,145,164
271,213 4,768,986 15,178,000 11,027,748
9,661 7,103 0 120,064
12,577 18,084 3,381,921 679,452
8,151 48,841 348,927 221,688
0 0 0 0
456,840 8,802,431 34,153,914 39,878,165
0 0 0 0
30,540 7,077,939 0 33,694,997
426,972 1,503,628 33,910,360 5,161,383
0 227,538 253,243 814,778
0 0 14,500 428,000
0 0 1,660 18,946
457,511 8,809,104 34,179,763 40,118,104
671 6,673 25,848 239,938
1,739,008 26,375,156 92,733,056 49,228,349
1,732,169 26,282,816 93,281,382 51,597,283
31,024 670,608 1,407,006 2,139,337
1,763,193 26,953,425 94,688,387 53,736,620
24,185 578,269 1,955,332 4,508,271
24,324 513,532 868,806 1,025,078
20,470 75,092 2,305,126 142,777
1,121 8,110 143,460 275,945
1,351 73,936 521,119 660,203
0 77,718 195,847 116,710

0 0 0 0
74,792 375,918 2,001,981 511,251
17,848 168,177 1,291,113 1,955,066
2,336,028 35,069,351 142,774,086 96,815,430
2,266,107 32,818,106 113,031,125 89,513,681
585,948 2,896,109 48,890,187 32,088,992
453,006 6,770,535 26,542,816 30,213,336
1,218,081 23,132,037 37,183,145 27,000,379
1,334 0 13,741 82,972
7,738 19,425 401,236 128,002
9,326 0 24,202,795 2,888,565
 0 0 0 0
0 0 0 0
9,326 0 23,547,116 2,888,565
0 0 655,679 0
0 0 0 0
11,472 18,358 812,811 322,960
24,808 1,259,792 1,320,119 2,157,983
3,714 142,706 126,553 1,046,279

0 0 0 0
0 0 2,603,560 0
8,877 392,540 304,314 148,724
2,324,304 34,631,502 142,401,277 96,078,192
11,725 437,849 372,809 737,238
378,934 6,431,156 12,166,507 12,172,229
289,606 199,831 2,437,927 1,445,191
600,000 200,000 4,000,000 5,000,000
310,394 169 1,562,073 3,554,809
0 0 0 0
0 8 1,882,421 165,683
14,390 5,926,472 6,152,856 10,150,023
0 0 0 0
55,744 25,678 55,082 20,684
0 0 0 0
0 0 0 0

0 0 0 0
0 0 0 424,983
0 0 0 0

0 -22,013 0 -96,628
6,875 0 382,299 0
10,147 277,725 1,138,220 853,758
2,714,962 41,500,507 154,940,593 108,987,659

74,152 1,809,103 3,563,339 3,176,952

30,237 657,606 1,833,637 1,024,168
43,915 1,151,497 1,729,702 2,152,783
7,316 24,208 223,750 424,029
3,177 23,237 5,769 0
4,139 972 217,981 424,029

1,922 32,882 595,751 132,955

3,104 308,770 122,960 312,214

-1,182 -275,889 472,791 -179,260

 46,873 876,579 2,420,474 2,397,552
36,527 564,443 1,235,724 1,403,051
10,346 312,136 1,184,750 994,501
-536 26,958 40,983 24,464
344 32,635 45,919 52,299
880 5,678 4,935 27,835

997 -8,914 21,988 1,659

1,068 1,514 23,090 1,729
71 10,428 1,102 70
10,807 330,180 1,247,721 1,020,624
660 52,456 109,501 166,866
10,147 277,725 1,138,220 853,758

11.00% 17.87% 9.89% 13.06%

9.81% 0.00% 6.07% 0.00%

0.65% 2.63% 0.81% 0.52%

2.39% 4.12% 0.75% 1.52%
6.01% 6.54% 5.39% 5.56%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

7.23% 7.50% 6.96% 5.90%

7.81% 0.00% 5.14% 0.00%

0.56% 0.95% 0.74% 1.08%

2.15% 1.37% 0.71% 1.36%
4.69% 2.21% 3.94% 4.89%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 4.88% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

294,345 4,783,267 13,280,656 12,694,754

293,326 4,775,944 13,244,950 12,646,342
1,019 7,323 35,706 48,412

5,463 2,374 407,420 93,583

 4,380 2,368 404,365 40,804
1,083 6 3,055 52,779

100.00% 100.00% 100.00% 100.00%

98.09% 97.76% 97.67% 97.29%
0.00% 0.00% 0.05% 1.12%
1.28% 2.02% 1.20% 1.39%
0.62% 0.22% 1.08% 0.20%
1,616,049 26,826,081 55,575,273 49,613,301

100.00% 100.00% 100.00% 100.00%

99.84% 45.11% 99.72% 80.70%
0.00% 0.00% 0.02% 1.25%
0.15% 43.48% 0.10% 17.68%
0.01% 11.41% 0.16% 0.36%
147,145 127,343 39,113,115 4,123,319

13,195 103,145 2,062,297 1,637,738

502,727 2,851,482 36,983,302 31,194,959
54,954 451,145 1,926,988 5,294,396
434,529 6,716,508 22,391,311 29,923,824
1,725 22,816 16,172 53,142
1,089,639 23,109,992 31,559,769 26,035,635
13 0 94,333 10,675
1,330 0 12,907 79,394
1,930 63,143 134,203 11,146
7,679 18,740 352,143 124,046
0 0 0 0
0 0 0 0

576 1,177 95,705 12,758

83,221 44,628 11,906,886 894,033
453 1,565 92,362 24,180
18,476 54,027 4,151,505 289,512
66 33 2,387 585
128,443 22,045 5,623,376 964,743
1 0 1,706 124
3 0 833 3,578
32 197 4,576 80
59 685 49,093 3,956
0 0 0 0
0 0 0 0
375,787 6,470,535 15,168,422 13,564,999
193,875 2,860,039 12,187,338 7,383,642
181,913 3,610,496 2,981,083 6,181,357

16.65% 15.32% 18.29% 16.92%

36.17% 40.57% 39.39% 57.90%

13.96% 15.50% 7.85% 11.17%

21.79% 24.38% 13.12% 24.73%
16.64% 19.59% 10.73% 13.56%
19.58% 23.09% 12.65% 20.96%

2.43% 9.01% 12.52% 12.88%

8.84% 17.27% 27.45% 27.98%

1.28% 2.63% 2.16% 3.11%
3.99% 4.05% 2.38% 3.77%
76.85% 62.88% 53.46% 56.16%

1.76% 2.49% 1.49% 3.98%

77.96% 86.23% 138.97% 210.73%
INTERNACIONAL, CITIBANK, N.A., SUCURSAL VIVIBANCO, S. FICOHSA GUATEMALA,
S. A. GUATEMALA A. S. A.
15,043,359 4,081,832 754,271 4,735,094
1,927,247 1,594,342 124,755 668,486
366,515 26,813 4,364 103,721
1,379,457 807,965 77,079 435,266
25,255 1,840 38,883 3,830
53,255 750,733 941 117,955
101,768 6,991 3,488 7,715
996 0 0 0
2,104,834 2,332,391 190,501 478,300
0 0 0 0
1,340,727 2,332,391 188,953 438,943
366,167 0 972 39,316
398,040 0 2,433 0
0 0 0 0
0 0 0 41
2,104,935 2,332,391 192,357 478,300
100 0 1,856 0
10,558,195 82,087 342,592 3,359,617
10,778,199 83,475 342,976 3,271,877
99,496 0 5,617 189,328
10,877,695 83,475 348,593 3,461,206
319,500 1,388 6,001 101,589
47,008 35,538 457 18,491
111,679 13,454 19,060 54,662
11,698 0 31,317 3,650
132,846 180 14,009 4,024
2,568 0 44 3,040

0 0 0 0
89,621 7,215 29,064 65,984
57,663 16,624 2,471 78,840
13,430,601 3,628,845 583,264 4,291,878
11,833,333 3,510,053 535,763 3,071,525
4,415,696 2,904,656 98,706 658,279
3,152,590 0 160,786 275,799
4,208,920 600,000 275,631 2,120,410
21,653 0 3 31
34,473 5,397 637 17,006
1,169,659 0 10,103 895,098
 0 0 0 0
0 0 0 660,000
1,014,223 0 10,103 235,098
155,436 0 0 0
400 0 0 179,250
64,915 4,258 1,584 16,427
212,577 54,210 10,279 37,273
75,429 58,701 6,233 27,095

0 0 0 0
0 0 0 55,000
49,934 143 1,471 4,306
13,406,247 3,627,365 565,433 4,285,974
24,354 1,480 17,831 5,904
1,612,758 452,987 171,007 443,216
855,712 84,982 128,398 318,818
2,000,000 0 300,000 450,000
1,144,288 0 171,602 131,182
0 84,982 0 0
50 0 0 0
635,115 54,791 12,136 17,449
0 0 0 0
11,405 0 19,277 0
0 0 0 0
0 0 0 0

0 0 0 0
0 18,612 0 0
0 0 0 0

0 0 0 -611
321 244,688 6,545 93,019
83,888 86,162 4,084 10,935
15,043,359 4,081,832 754,271 4,735,094

326,137 71,823 23,168 295,919

149,902 16,909 9,222 95,390
176,235 54,914 13,946 200,529
29,227 3,626 219 11,954
1,031 1 324 25,272
28,196 3,625 -104 -13,318

24,608 103,434 1,191 8,619

2,647 4,985 1,430 138,077

21,961 98,449 -239 -129,458

 226,392 156,988 13,603 57,752
124,142 53,184 11,852 86,446
102,250 103,804 1,750 -28,694
1,902 115 2,791 41,064
2,384 171 3,515 41,744
482 56 725 680

-99 2,956 16 -1,433

25 3,049 44 253
123 93 29 1,686
104,053 106,875 4,557 10,937
20,164 20,713 473 1
83,888 86,162 4,084 10,935

7.78% 7.60% 10.73% 16.12%

6.50% 0.00% 11.92% 0.00%

1.32% 0.41% 2.21% 4.11%

3.42% 0.00% 1.95% 3.10%
5.75% 7.00% 6.19% 6.67%
5.25% 0.00% 0.00% 7.18%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 8.83%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

6.97% 0.00% 8.11% 8.22%

5.98% 0.00% 0.00% 0.00%

0.42% 0.00% 0.00% 2.97%

1.84% 0.00% 0.12% 2.35%
4.52% 0.00% 2.50% 5.46%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

1,272,697 401,770 75,632 294,243

1,263,022 375,765 74,979 279,942
9,674 26,004 653 14,301

57,156 33,027 502 22,858

 56,711 19,392 420 21,420
446 13,636 82 1,439

100.00% 100.00% 100.00% 100.00%

98.65% 100.00% 98.33% 92.58%
0.00% 0.00% 0.00% 0.00%
0.93% 0.00% 0.37% 7.42%
0.41% 0.00% 1.30% 0.00%
7,355,250 83,475 334,870 2,493,928

100.00% 0.00% 100.00% 100.00%

99.99% 0.00% 99.76% 99.55%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.02% 0.45%
0.01% 0.00% 0.22% 0.00%
3,522,445 0 13,723 967,278

78,977 381 3,995 3,581

3,490,262 1,925,707 98,706 346,005
84,719 0 19,680 16,438
2,517,141 0 135,996 150,640
2,064 1 300 700
2,822,899 600,000 275,203 1,354,344
739 0 38 413
14,582 0 3 31
16,112 58 1,124 2,025
30,426 4,896 583 16,740
1 0 0 149
400 0 0 179,250

4,504 274 0 1,053

925,435 978,950 0 312,273
5,558 0 184 1,320
635,449 0 24,790 125,159
425 0 1 329
1,386,022 0 427 766,067
135 0 0 0
7,071 0 0 0
587 5 1 53
4,047 500 53 267
0 0 0 0
0 0 0 0
1,664,400 279,546 158,480 545,212
1,220,857 62,215 60,747 433,780
443,543 217,331 97,734 111,432

16.22% 45.37% 23.22% 20.49%

30.36% 110.04% 56.52% 27.31%

10.72% 11.10% 22.67% 9.36%

15.27% 551.84% 49.92% 13.19%
13.57% 12.89% 31.83% 13.59%
13.72% 44.99% 26.40% 12.80%

1.36% 11.02% 1.06% -5.52%

22.34% 65.06% 7.41% 6.76%

2.47% 6.11% 1.60% 0.63%
2.57% 4.24% 4.83% 5.77%
52.07% 41.59% 89.29% 138.82%

0.91% 0.00% 1.61% 5.47%

321.12% 0.00% 106.83% 53.66%
PROMERICA, DE ANTIGUA, DE AMÉRICA AGROMERCANTIL DE
S. A. S. A. CENTRAL, S. A. GUATEMALA, S. A.
29,100,820 1,945,210 45,918,853 44,737,891
3,384,650 247,243 4,564,903 5,455,698
252,408 42,221 904,649 768,089
2,618,288 173,562 3,041,289 3,690,982
1,132 30,327 15,121 103,148
451,604 0 496,729 729,760
60,580 1,133 105,929 155,111
638 0 1,186 8,607
2,613,885 176,181 7,997,830 5,322,789
0 0 0 0
1,215,613 171,181 7,498,621 2,723,027
1,396,872 5,000 287,319 2,289,274
0 0 254,467 335,665
0 0 0 0
1,400 0 629 340
2,613,885 176,181 8,041,037 5,348,306
0 0 43,207 25,516
21,596,124 1,338,701 32,222,308 32,727,059
21,730,893 1,357,383 32,175,519 32,688,171
410,793 59,389 645,621 769,308
22,141,686 1,416,772 32,821,139 33,457,479
545,563 78,071 598,831 730,421
106,105 47,768 208,303 132,715
262,195 43,435 361,686 333,554
20,840 0 190,989 217,955
969 0 32,572 53,742
0 777 5,031 25,680

0 0 0 0
943,431 7,442 229,655 329,041
172,622 83,663 105,576 139,658
26,123,351 1,687,853 41,738,204 40,846,505
20,676,210 1,439,545 36,902,730 32,697,055
4,403,759 0 17,087,840 9,043,136
2,175,583 156,397 6,139,527 9,051,981
14,039,722 1,281,985 13,563,653 14,485,696
11,307 709 22,815 40,793
45,839 454 88,895 75,449
4,127,883 131,460 3,579,322 5,900,623
 0 0 0 0
1,894,950 0 400,000 1,500,000
2,106,641 100,140 1,544,954 3,429,146
126,292 31,320 1,634,368 971,478
0 0 0 3,029
137,979 9,990 221,393 309,785
400,489 48,363 578,642 818,077
154,171 21,248 167,732 208,874

0 0 0 0
388,591 0 0 544,027
92,069 0 81,301 179,192
25,977,392 1,650,605 41,531,121 40,660,663
145,959 37,248 207,083 185,842
2,977,469 257,357 4,180,650 3,891,386
598,159 125,176 1,029,766 1,298,432
1,500,000 160,000 2,800,000 2,000,000
901,841 34,824 1,770,234 701,568
0 0 0 0
0 0 0 595,620
1,418,245 17,233 1,111,009 879,840
0 0 0 0
432,633 0 19,334 19,740
0 0 0 0
0 0 0 0

0 12,500 0 0
0 0 0 0
0 0 0 0

-2,405 0 -114,015 -2,992

148,828 102,777 1,968,874 971,564
301,850 23,161 126,761 92,816
29,100,820 1,945,210 45,918,853 44,737,891

1,518,695 214,126 1,172,583 1,211,779

500,351 37,213 508,985 570,297
1,018,344 176,913 663,598 641,482
171,237 11,012 36,646 104,888
51,094 4,336 35,710 69,281
120,143 6,676 936 35,607

41,717 0 116,247 67,834

371,193 68,189 210,356 270,910

-329,477 -68,189 -94,110 -203,077

 809,011 115,399 570,424 474,011
507,432 94,136 467,525 408,612
301,578 21,264 102,899 65,399
52,114 9,324 41,543 35,128
55,591 9,326 47,007 37,071
3,476 2 5,464 1,942

4,317 432 169 -500

11,061 580 169 3,175
6,744 148 0 3,675
358,009 31,020 144,611 100,028
56,159 7,859 17,851 7,212
301,850 23,161 126,761 92,816

16.09% 51.29% 8.47% 9.90%

8.57% 0.00% 8.45% 10.07%

2.38% 0.00% 1.38% 0.49%

3.24% 2.98% 2.03% 2.65%
7.01% 7.06% 6.68% 6.40%
0.00% 0.00% 0.00% 4.04%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

8.33% 0.00% 6.53% 6.96%

8.09% 0.00% 5.72% 6.74%

0.80% 0.00% 1.27% 0.43%

1.73% 1.00% 1.87% 2.75%
5.22% 1.70% 5.34% 4.85%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%
12.20% 0.00% 0.00% 9.44%
0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00%

2,215,991 209,914 3,557,363 3,192,596

2,203,143 209,578 3,450,719 3,189,083
12,849 336 106,644 3,513

106,656 242 249,128 208,409

 105,986 43 236,414 207,984
670 199 12,714 425

100.00% 100.00% 100.00% 100.00%

97.40% 95.81% 97.11% 96.90%
0.00% 0.00% 1.04% 2.12%
2.60% 4.19% 1.41% 0.02%
0.00% 0.00% 0.43% 0.95%
15,291,762 1,416,070 18,983,663 21,010,015

100.00% 100.00% 100.00% 100.00%

99.81% 99.88% 99.29% 99.04%
0.00% 0.00% 0.08% 0.41%
0.19% 0.12% 0.34% 0.19%
0.00% 0.00% 0.29% 0.36%
6,849,924 702 13,837,476 12,447,465

116,133 0 261,446 223,662

2,522,016 0 10,570,438 6,335,363
375,848 98,501 788,600 486,223
1,458,659 155,572 4,657,791 5,561,965
5,378 2,733 4,684 7,499
11,056,757 1,280,971 8,752,616 9,767,910
4,189 33 7,731 306,543
3,262 709 17,196 35,954
53,878 532 16,918 91,380
35,876 453 64,585 62,899
0 0 0 106
0 0 0 3,029

14,179 0 20,155 11,150

1,881,743 0 6,517,403 2,707,774
33,643 65 26,829 22,935
716,924 824 1,481,735 3,490,016
1,750 4 1,741 1,560
2,982,965 1,014 4,811,037 4,717,786
289 0 550 4,727
8,045 0 5,619 4,839
16,835 4 1,002 2,400
9,963 1 24,310 12,550
0 0 0 0
0 0 0 0
3,578,593 273,621 4,256,551 4,540,806
2,756,359 154,017 3,422,854 3,422,409
822,234 119,603 833,697 1,118,397

16.30% 17.09% 12.31% 16.57%

23.69% 25.99% 30.43% 27.13%

10.23% 13.23% 9.10% 8.70%

13.79% 19.22% 12.97% 11.89%
14.34% 17.79% 11.27% 11.82%
13.01% 17.94% 12.48% 13.29%

8.61% 6.10% 37.06% 0.83%

29.20% 44.12% 12.16% 6.61%

3.08% 5.29% 1.10% 0.57%
5.00% 13.89% 3.08% 2.78%
67.33% 78.57% 78.98% 90.92%

1.86% 4.19% 1.97% 2.30%

132.81% 131.46% 92.75% 94.95%
G&T CONTINENTAL, AZTECA DE CREDICORP, S. NEXA, S.
S. A. GUATEMALA, S. A. INV, S. A. A. A.
68,484,290 2,807,209 1,035,678 1,450,144 511,652
10,323,879 373,821 157,618 264,307 78,418
1,421,647 114,957 1,013 3,248 1,271
6,781,500 246,757 120,182 223,874 71,682
601,009 3,858 23,044 32,453 4,959
1,352,827 7,794 7,953 0 399
163,208 454 5,426 4,648 108
3,687 0 0 84 0
19,496,936 155,000 287,916 1,112,107 41,242
0 0 0 0 0
15,166,219 0 0 46,955 0
237,323 115,000 285,896 1,066,136 26,562
4,110,518 40,000 0 0 14,680
0 0 0 0 0
1,052 0 2,288 0 0
19,515,111 155,000 288,184 1,113,091 41,242
18,176 0 268 984 0
36,375,393 2,087,177 538,321 40,573 364,226
36,929,623 2,081,803 541,207 41,427 367,090
342,020 84,692 5,595 180 869
37,271,644 2,166,495 546,802 41,608 367,959
896,251 79,318 8,480 1,034 3,733
368,074 33,319 6,261 5,635 3,039
306,162 45,230 23,360 12,986 1,994
466,103 0 539 8,840 0
220,447 0 535 875 0
29,290 0 0 20 0

0 0 0 0 0
517,783 60,048 20,637 858 1,654
380,224 52,614 490 3,943 21,079
62,534,573 2,317,305 911,216 1,367,343 340,505
52,503,432 1,944,579 876,794 1,247,681 328,059
18,841,025 511,126 55,226 124,445 107,349
18,894,738 0 52,251 1,123,147 16,667
14,607,437 1,424,310 769,275 0 204,008
0 33 0 2 34
160,231 9,110 41 87 0
6,607,765 0 5,181 40,000 0
 0 0 0 0 0
1,000,000 0 0 40,000 0
5,607,765 0 5,181 0 0
0 0 0 0 0
6,412 0 2,067 0 0
193,165 5,055 739 3,349 3,503
1,515,504 129,259 5,175 13,656 3,718
98,879 146,352 3,765 5,168 1,116

0 0 0 0 0
1,146,343 0 15,544 0 0
108,388 56,987 720 48,341 1,312
62,179,887 2,282,232 909,984 1,358,195 337,707
354,686 35,073 1,232 9,148 2,798
5,949,717 489,905 124,462 82,801 171,147
2,268,012 105,001 109,000 73,048 200,000
7,000,000 200,000 500,000 1,000,000 800,000
4,731,988 94,999 391,000 926,953 600,000
0 0 0 0 0
553,476 0 0 0 0
2,718,587 349,901 3,028 3,227 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0

0 0 0 0 0
0 0 0 0 0
0 0 0 0 -600

-106,245 0 0 0 0
0 0 8,934 49 -20,589
481,801 27,291 2,892 5,725 -7,663
68,484,290 2,807,209 1,035,678 1,450,144 511,652

1,568,741 461,011 29,024 40,464 12,005

789,008 37,422 19,143 26,433 4,693
779,733 423,589 9,881 14,031 7,312
118,941 52,721 160 1,840 289
12,514 24,213 288 351 46
106,427 28,508 -128 1,489 243

164,708 3,536 143 151 274

68,460 102,102 600 66 335

96,248 -98,566 -457 85 -61

 982,407 353,531 9,296 15,604 7,493
480,298 342,561 6,407 10,067 15,158
502,109 10,970 2,889 5,537 -7,665
36,735 25,763 1 357 0
40,605 29,889 1 364 0
3,870 4,126 0 7 0

12,483 0 1 20 1
35,056 0 40 30 1
22,574 0 39 10 0
551,326 36,733 2,892 5,914 -7,663
69,525 9,442 0 189 0
481,801 27,291 2,892 5,725 -7,663

8.79% 68.60% 11.01% 9.13% 11.20%

6.61% 14.00% 12.00% 0.00% 0.00%

1.54% 2.79% 0.83% 0.89% 2.28%

3.55% 0.00% 5.21% 4.59% 2.00%
5.55% 7.11% 6.32% 0.00% 7.03%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 3.02% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%

7.38% 0.00% 9.41% 9.61% 8.54%

5.89% 0.00% 10.50% 0.00% 0.00%

1.27% 0.69% 0.88% 0.00% 2.00%

2.63% 0.00% 1.13% 2.33% 2.00%
4.58% 0.00% 4.42% 0.00% 5.33%
4.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 2.97% 0.00% 0.00%
10.71% 0.00% 5.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%
0.00% 0.00% 0.00% 0.00% 0.00%

6,106,888 283,052 62,409 154,873 26,503

6,000,195 281,180 61,746 151,830 24,197
106,693 1,872 663 3,043 2,306

211,598 5,009 8,797 8,135 3,425

 206,347 129 8,505 3,660 2,691
5,250 4,880 292 4,475 734

100.00% 100.00% 100.00% 100.00% 100.00%

98.70% 96.09% 99.04% 99.56% 99.67%
0.01% 0.00% 0.74% 0.00% 0.00%
1.26% 3.91% 0.06% 0.44% 0.11%
0.03% 0.00% 0.16% 0.00% 0.22%
24,429,593 2,166,495 270,999 40,537 264,072

100.00% 0.00% 100.00% 100.00% 100.00%

99.82% 0.00% 98.91% 100.00% 100.00%
0.02% 0.00% 0.00% 0.00% 0.00%
0.12% 0.00% 1.09% 0.00% 0.00%
0.05% 0.00% 0.00% 0.00% 0.00%
12,842,051 0 275,803 1,071 103,886

460,291 651,163 1,058 1,369 9,166

15,294,348 504,402 20,371 124,445 56,229
846,107 0 375 6,111 3,258
16,165,378 0 45,051 932,256 7,602
11,515 4,049 363 0 426
10,158,887 1,424,310 357,591 0 109,173
0 51 0 53 79
0 33 0 2 34
135,353 37,308 8 72 2
139,136 9,065 41 87 0
0 0 5 0 0
0 0 462 0 0

15,613 1,402 197 0 896

3,546,677 6,724 34,855 0 51,120
29,770 0 79 374 346
2,729,361 0 7,200 190,892 9,066
1,538 0 231 0 71
4,448,550 0 411,685 0 94,835
0 1 0 4 0
0 0 0 0 0
1,335 145 1 0 0
21,095 45 0 0 0
5 0 5 0 0
6,412 0 1,605 0 0
7,060,787 434,357 141,357 82,768 171,147
4,825,518 264,187 64,592 32,155 53,961
2,235,269 170,170 76,765 50,613 117,186

19.63% 19.17% 17.92% 21.13% 23.65%

49.04% 25.44% 50.06% 105.50% 35.69%

8.69% 17.45% 12.02% 5.71% 33.45%

16.36% 23.47% 23.12% 204.08% 46.99%
11.31% 25.13% 14.15% 6.62% 51.62%
14.85% 17.53% 21.88% 26.10% 39.10%

2.22% 18.57% -1.61% -3.51% 0.53%

23.24% 24.30% 7.96% 18.49% -13.55%

2.15% 4.13% 1.02% 1.05% -6.33%
2.17% 38.75% 1.89% 2.31% 9.91%
52.59% 97.37% 65.01% 70.03% 275.08%

0.92% 3.91% 1.02% 0.43% 0.24%

262.05% 93.65% 151.57% 573.88% 429.75%
AGROMERCANTIL DE GUATEMALA, S. A.
Información referida al 30 de abril de 2024
Cifras en miles de quetzales

Pefil financiero Moneda nacional

Depósitos Monetarios 9,043,136
Depósitos de Ahorro 9,051,981
Depósitos a Plazo 14,485,696
Depósitos a la Orden 40,793
Depósitos con Restricciones 75,449
Total depósitos 32,697,055

Forma de pago de las Cuotas

TOTAL DE DEPOSITOS
32,697,055.00

Calificacion BB+
Tasa fija 2
Tasa variable 0.75
Monto fijo 5,450
Monto variable 2,044
FOPA marzo 2023 7,493
Res_JM-56-2013.pdf (banguat.gob.gt)
 2 0.75
FIJO VARIABLE
0.000166667 0.0000625
5,450 2,044 7,493