| BANCO CAPITAL S. A. |
|
| BALANCE GENERAL |
|
| CONSOLIDADO Y
CONDENSADO |
|
| CIFRAS EN US $ |
|
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|
|
| CÓDIGO |
DESCRIPCIÓN |
jun-10 |
mar-10 |
VAR |
VAR % |
PART. |
| |
1. ACTIVOS |
|
|
|
|
|
| 1.1. |
FONDOS
DISPONIBLES |
19,094,565.20 |
16,572,878 |
2,521,687 |
15.22% |
23.2% |
| 1.1.01. |
Caja |
747,211.06 |
567,844 |
179,367 |
567,844 |
0.8% |
| 1.1.02. |
Depósitos para
Encaje |
1,929,295.28 |
2,605,252 |
-675,957 |
2,605,252 |
3.6% |
| 1.1.02.05 |
Banco Central
del Ecuador |
1,929,295.28 |
2,605,252 |
-675,957 |
2,605,252 |
3.6% |
| 1.1.03. |
Bcos.y Otras
Instituciones Financieras |
16,329,817.84 |
12,922,720 |
3,407,098 |
12,922,720 |
18.1% |
| 1.1.04. |
Efectos de
cobro inmediato |
88,241.02 |
477,063 |
-388,822 |
-81.50% |
0.7% |
| 1.3. |
INVERSIONES |
12,974,249.26 |
12,742,948 |
231,301 |
1.82% |
17.8% |
| 1.3.01. |
Para Negociar
/ent. sector privado |
8,455,465.47 |
7,968,330 |
487,136 |
6.11% |
11.2% |
| 1.3.02. |
Para negociar
del estado o de entidades del sector |
450,000.00 |
450,000 |
- |
0.00% |
0.6% |
| 1.3.05. |
Mantenidas
hasta vto.Ent.Sector Privado. |
745.02 |
741 |
4 |
0.49% |
0.0% |
| 1.3.07. |
De
disponibilidad Restringida |
4,123,761.11 |
4,380,257 |
-256,496 |
-5.86% |
6.1% |
| 1.3.99. |
(Provisión para
Inversiones) |
-55,722.34 |
-56,380 |
657 |
-1.17% |
-0.1% |
| 1.4. |
CARTERA DE
CRÉDITO |
39,327,594.84 |
35,168,738 |
4,158,857 |
11.83% |
49.3% |
| 1.4.01. |
Cartera de
Crédito .Comercial por Vencer |
10,840,665.82 |
10,527,518 |
313,148 |
10,527,518 |
14.7% |
| 1.4.01.05.10.15 |
De 1 a 180 Días |
4,405,902.36 |
5,023,239 |
-617,337 |
-12.29% |
7.0% |
| 1.4.01.20. |
De 181 a 360
Días |
2,466,582.60 |
2,155,895 |
310,688 |
2,155,895 |
3.0% |
| 1.4.01.25. |
De más de 360
Días |
3,968,180.86 |
3,348,384 |
619,796 |
3,348,384 |
4.7% |
| 1.4.02. |
Cartera de
Crédito de Consumo por Vencer |
23,189,005.95 |
20,056,459 |
3,132,547 |
15.62% |
28.1% |
| 1.4.02.05.10.15 |
De 1 a 180 Días |
5,875,568.00 |
5,333,195 |
542,373 |
10.17% |
7.5% |
| 1.4.02.20. |
De 181 a 360
Días |
4,495,965.66 |
4,093,346 |
402,619 |
9.84% |
5.7% |
| 1.4.02.25. |
De más de 360
Días |
12,817,472.29 |
10,629,918 |
2,187,554 |
10,629,918 |
14.9% |
| 1.4.03 |
Cartera de
créditos de vivienda por vencer |
159,628.51 |
78,207 |
81,421 |
78,207 |
0.1% |
| 1.4.03.05.10.15 |
De 1 a 180 Días |
13,389.76 |
6,589 |
6,801 |
6,589 |
0.0% |
| 1.4.03.20. |
De 181 a 360
Días |
14,225.08 |
7,022 |
7,203 |
102.58% |
0.0% |
| 1.4.03.25. |
De más de 360
Días |
132,013.67 |
64,597 |
67,417 |
104.37% |
0.1% |
| 1.4.04 |
Cartera de
créditos para la microempresa por vence |
4,566,540.68 |
3,627,197 |
939,344 |
25.90% |
5.1% |
| 1.4.04.05.10.15 |
De 1 a 180 Días |
1,023,776.74 |
870,332 |
153,445 |
870,332 |
1.2% |
| 1.4.04.20. |
De 181 a 360
Días |
920,307.41 |
764,482 |
155,826 |
20.38% |
1.1% |
| 1.4.04.25. |
De más de 360
Días |
2,622,456.53 |
1,992,384 |
630,073 |
31.62% |
2.8% |
| 1.4.11. |
Cartera de
Crédito Comecial no Devenga Int. |
164,366.45 |
276,886 |
-112,520 |
276,886 |
0.4% |
| 1.4.12. |
Cartera de
Crédito Consumo no Devenga Int. |
1,323,313.56 |
1,405,787 |
-82,474 |
-5.87% |
2.0% |
| 1.4.14 |
Cartera de
créditos para la microempresa que no de |
244,519.35 |
311,327 |
-66,808 |
-21.46% |
0.4% |
| 1.4.21. |
Cartera de
Crédito Comercial Vencida |
89,318.51 |
102,618 |
-13,299 |
-12.96% |
0.1% |
| 1.4.22. |
Cartera de
Crédito Consumo Vencida |
258,427.88 |
250,311 |
8,117 |
3.24% |
0.4% |
| 1.4.24 |
Cartera de
créditos para la microempresa vencida |
54,633.25 |
48,716 |
5,917 |
12.15% |
0.1% |
| 1.4.99. |
(Provisión para
Cartera y Con.de Arr.Mercantil) |
-1,562,825.12 |
-1,516,290 |
-46,536 |
3.07% |
-2.1% |
| 1.5. |
DEUDORES POR
ACEPTACIÓN |
0.00 |
- |
- |
ind |
0.0% |
| 1.6. |
CUENTAS POR
COBRAR |
1,521,934.77 |
1,687,142 |
-165,207 |
-9.79% |
2.4% |
| 1.7. |
BIENES
REALIZABLES, ADJUDICADOS POR PAGO, DE ARREN |
90,965.83 |
126,650 |
-35,684 |
-28.18% |
0.2% |
| 1.8. |
PROPIEDADES Y
EQUIPO |
1,695,894.71 |
1,668,180 |
27,715 |
1.66% |
2.3% |
| 1.9. |
OTROS ACTIVOS |
3,159,765.70 |
3,423,663 |
-263,898 |
-7.71% |
4.8% |
| 1.9.04. |
Gastos y Pagos
Anticipados |
|
|
- |
ind |
|
| 1.9.05. |
Gastos
Diferidos |
|
|
- |
ind |
|
| 1.9.90. |
Otros |
|
|
- |
ind |
|
| 1.9.99. |
(ProvIsión para
Otros Activos Irrecuperables) |
|
|
- |
ind |
|
| 1 |
TOTAL DEL
ACTIVO |
77,864,970.31 |
71,390,200 |
6,474,771 |
9.07% |
|
| 4 |
TOTAL GASTOS |
4,311,592.71 |
2,258,507 |
|
|
|
| |
TOTAL ACTIVO Y
GASTOS |
82,176,563.02 |
73,648,707 |
|
|
|
| |
|
|
|
|
|
|
| CÓDIGO |
DESCRIPCIÓN |
40,330.00 |
mar-10 |
VAR |
VAR % |
PART. |
| |
2. PASIVOS |
|
|
|
|
|
| 2.1. |
OBLIGACIONES
CON EL PÚBLICO |
51,826,333.31 |
46,882,021 |
4,944,312 |
10.55% |
80.7% |
| 2.1.01. |
Dépositos a la
Vista |
5,211,875.35 |
4,638,930 |
572,945 |
12.35% |
8.0% |
| 2.1.02. |
Operaciones de
Reporto |
|
|
|
ind |
0.0% |
| 2.1.03. |
Dépositos a
plazo |
46,589,057.96 |
42,217,690 |
4,371,367 |
10.35% |
72.7% |
| 2.1.03.05 |
De 1 a 30 Días |
8,393,176.85 |
11,674,745 |
-3,281,569 |
-28.11% |
20.1% |
| 2.1.03.10 |
De 31 a 90 Días |
12,880,168.63 |
9,265,096 |
3,615,073 |
39.02% |
15.9% |
| 2.1.03.15 |
De 91 a 180
Días |
10,983,438.61 |
7,481,632 |
3,501,807 |
46.81% |
12.9% |
| 2.1.03.20 |
De 181 a 360
Días |
12,118,651.39 |
11,712,652 |
406,000 |
3.47% |
20.2% |
| 2.1.03.25 |
De Más de 361
Días |
2,213,622.48 |
2,083,566 |
130,056 |
6.24% |
3.6% |
| 2.1.03.30 |
Dépositos por
Confirmar |
|
|
- |
ind |
0.0% |
| 2.3. |
OBLIGACIONES
INMEDIATAS |
455,041.63 |
214,195 |
240,847 |
112.44% |
0.4% |
| 2.5. |
CUENTAS POR
PAGAR |
1,400,162.60 |
1,769,468 |
-369,306 |
-20.87% |
3.0% |
| 2.6. |
OBLIGACIONES
FINANCIERAS |
7,637,533.06 |
5,725,690 |
1,911,843 |
33.39% |
9.9% |
| 2.7. |
VALORES EN
CIRCULACIÓN |
731,600.72 |
807,434 |
-75,834 |
-9.39% |
1.4% |
| 2.8. |
OBLIGACIONES,ACCIONES
Y AP.FUTURAS CAP. |
0.00 |
- |
- |
ind |
0.0% |
| 2.9. |
OTROS PASIVOS |
2,320,550.78 |
2,696,270 |
-375,719 |
-13.93% |
4.6% |
| 2 |
TOTAL DE
PASIVOS |
64,371,222.10 |
58,095,079 |
6,276,143 |
10.80% |
100.0% |
| 3 |
PATRIMONIO |
|
|
|
|
0.0% |
| 3.1. |
CAPITAL SOCIAL |
12,000,000.00 |
10,750,000 |
1,250,000 |
11.63% |
18.5% |
| 3.1.01. |
Capital Pagado |
12,000,000.00 |
10,750,000 |
1,250,000 |
11.63% |
18.5% |
| 3.3. |
RESERVAS |
909,433.56 |
909,434 |
- |
0.00% |
1.6% |
| 3.3.01 |
Legales |
729,328.56 |
729,329 |
- |
0.00% |
1.3% |
| 3.3.03. |
Especiales |
0.00 |
- |
- |
ind |
0.0% |
| 3.3.05 |
Revalorización
del Patrimonio |
180,105.00 |
180,105 |
- |
0.00% |
0.3% |
| 3.5. |
SUPERAVIT POR
VALUACIONES |
218,870.24 |
218,870 |
- |
0.00% |
0.4% |
| 3.6 |
RESULTADOS |
0.00 |
1,157,840 |
-1,157,840 |
-100.00% |
2.0% |
| |
|
|
|
- |
|
0.0% |
| 3 |
TOTAL
PATRIMONIO |
13,128,303.80 |
13,036,143 |
92,160 |
0.71% |
|
| |
|
|
|
- |
|
|
| |
TOTAL
GENERAL PASIVOS Y PATRIMONIO |
77,499,525.90 |
71,131,222 |
6,368,304 |
8.95% |
|
| 5 |
TOTAL INGRESOS |
4,677,037.12 |
2,517,484 |
|
|
|
| |
TOTAL PASIVO, PATRIMONIO E
INGRESOS |
82,176,563.02 |
73,648,707
|
|
|
|
| |
|
|
|
|
|
|
| 6 |
CUENTAS CONTINGENTES |
34,539.07 |
34,539 |
- |
0.00% |
|
| 7 |
CUENTAS DE
ORDEN |
130,334,783.37 |
108,449,212 |
21,885,572 |
20.18% |
|
| Fuente: Banco
Capital S. A. |
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| Elaborado por:
Unidad Financiera |
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258,978 |
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