|
Empresa/Cuenta
|
EC Alternativa
|
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|
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CIIU
|
6599
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|
ESTADO DE SITUACION FINANCIERA / STATEMENT OF FINANCIAL POSITION
|
31/12/2024
|
31/12/2023
|
|
|
|
|
|
|
|
|
|
DISPONIBLE / FUNDS AVAILABLE
|
39,869
|
31,533
|
|
|
|
|
|
|
|
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
|
|
|
|
|
|
|
|
|
INVERSIONES A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS / FINANCIAL INVESTMENTS AT REASONABLE VALUE WITH EARNINGS CHANGES
|
0
|
0
|
|
|
|
|
|
|
|
|
|
INVERSIONES DISPONIBLES PARA LA VENTA / FINANCIAL AVAILABLE FOR SALE
|
0
|
0
|
|
|
|
|
|
|
|
|
|
INVERSIONES A VENCIMIENTO / HELD TO MATURITY INVESTMENTS
|
0
|
0
|
|
|
|
|
|
|
|
|
|
CARTERA DE CREDITOS / LOANS PORTFOLIO
|
174,371
|
226,004
|
|
|
|
|
|
|
|
|
|
DERIVADOS PARA NEGOCIACIÓN / Financial Derivatives for trading purposes
|
0
|
0
|
|
|
|
|
|
|
|
|
|
DERIVADOS DE COBERTURA / Financial Derivatives for hedging purposes
|
0
|
0
|
|
|
|
|
|
|
|
|
|
CUENTAS POR COBRAR / ACCOUNTS RECEIVABLE
|
754
|
1,022
|
|
|
|
|
|
|
|
|
|
BIENES REALIZABLES RECIBIDOS EN PAGO, ADJUDICADOS / REALIZABLE ASSETS REC. IN PAYMENT, FORECLOSED OR NO LONGER IN USE
|
231
|
142
|
|
|
|
|
|
|
|
|
|
PARTICIPACIONES / PROFIT SHARING
|
7
|
7
|
|
|
|
|
|
|
|
|
|
Subsidiarias / Subsidiaries
|
0
|
0
|
|
|
|
|
|
|
|
|
|
Asociadas y participaciones en negocios conjuntos / Associates and interest in joint ventures
|
7
|
7
|
|
|
|
|
|
|
|
|
|
Otras / Other
|
0
|
0
|
|
|
|
|
|
|
|
|
|
INMUEBLES, MOBILIARIO Y EQUIPO (NETO) / INMOVABLE PROPERTY, MOVABLE PROPERTY AND EQUIPMENT (NET)
|
7,479
|
9,972
|
|
|
|
|
|
|
|
|
|
ACTIVO INTANGIBLE DISTINTO DE LA PLUSVALIA / INTANGIBLE ASSET DIFFERENT FROM GOODWILL
|
179
|
208
|
|
|
|
|
|
|
|
|
|
PLUSVALIA / GOODWILL
|
0
|
0
|
|
|
|
|
|
|
|
|
|
IMPUESTOS CORRIENTES / CURRENT TAX
|
777
|
206
|
|
|
|
|
|
|
|
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
2,444
|
2,651
|
|
|
|
|
|
|
|
|
|
ACTIVOS NO CORRIENTES MANTENIDOS PARA LA VENTA / NON-CURRENT ASSETS HELD FOR SALE
|
0
|
0
|
|
|
|
|
|
|
|
|
|
OTROS ACTIVOS / OTHER ASSETS (NET)
|
880
|
1,003
|
|
|
|
|
|
|
|
|
|
TOTAL DEL ACTIVO / TOTAL ASSETS
|
226,991
|
272,748
|
|
|
|
|
|
|
|
|
|
OBLIGACIONES CON EL PUBLICO / OBLIGATIONS WITH THE PUBLIC
|
607
|
724
|
|
|
|
|
|
|
|
|
|
FONDOS INTERBANCARIOS / INTER-BANK FUNDS
|
0
|
0
|
|
|
|
|
|
|
|
|
|
DEPÓSITOS DE EMPRESAS DEL SISTEMA FINANCIERO Y ORGANISMOS FINANCIEROS INTERNACIONALES / DEPOSITS FROM FINANC. SYSTEM INST. AND INT. FINANC. ORG.
|
0
|
0
|
|
|
|
|
|
|
|
|
|
ADEUDOS Y OBLIGACIONES FINANCIERAS / FINANCIAL DEBTS AND OBLIGATIONS
|
188,103
|
231,279
|
|
|
|
|
|
|
|
|
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DERIVADOS PARA NEGOCIACIÓN / FINANCIAL DERIVATIVES FOR TRADING PURPOSES
|
0
|
0
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|
|
|
|
|
|
|
|
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DERIVADOS DE COBERTURA / FINANCIAL DERIVATIVES FOR HEDGING PURPOSES
|
0
|
0
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|
|
|
|
|
|
|
|
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CUENTAS POR PAGAR / ACCOUNTS PAYABLE
|
2,962
|
4,361
|
|
|
|
|
|
|
|
|
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PROVISIONES / PROVISIONS
|
905
|
684
|
|
|
|
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|
|
|
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IMPUESTOS CORRIENTES / CURRENT TAX
|
0
|
0
|
|
|
|
|
|
|
|
|
|
IMPUESTO A LA RENTA DIFERIDO / DEFERRED INCOME TAX
|
0
|
0
|
|
|
|
|
|
|
|
|
|
OTROS PASIVOS / OTHER LIABILITIES
|
87
|
25
|
|
|
|
|
|
|
|
|
|
TOTAL DEL PASIVO / TOTAL LIABILITIES
|
192,664
|
237,073
|
|
|
|
|
|
|
|
|
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Capital social / Capital stock
|
32,212
|
31,715
|
|
|
|
|
|
|
|
|
|
Capital adicional / Additional capital
|
-132
|
0
|
|
|
|
|
|
|
|
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Acciones Propias en Cartera / Treasury shares
|
0
|
0
|
|
|
|
|
|
|
|
|
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Reservas / Reserves
|
1,516
|
1,244
|
|
|
|
|
|
|
|
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Resultados Acumulados / Retained earnings
|
0
|
0
|
|
|
|
|
|
|
|
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Resultado Neto del Ejercicio / Net profits for fiscal year
|
731
|
2,716
|
|
|
|
|
|
|
|
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Ajustes al Patrimonio / Adjustments to equity
|
0
|
0
|
|
|
|
|
|
|
|
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TOTAL DEL PATRIMONIO / TOTAL EQUITY
|
34,327
|
35,675
|
|
|
|
|
|
|
|
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TOTAL DEL PASIVO Y PATRIMONIO / TOTAL LIABILITIES AND NET EQUITY
|
226,991
|
272,748
|
|
|
|
|
|
|
|
|
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ESTADO DE RESULTADOS / INCOME STATEMENT
|
31/12/2024
|
31/12/2023
|
|
|
|
|
|
|
|
|
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TOTAL INGRESOS POR INTERESES / TOTAL INTEREST INCOME
|
73,822
|
81,661
|
|
|
|
|
|
|
|
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TOTAL GASTOS POR INTERESES / TOTAL FINANCIAL EXPENSES
|
-21,184
|
-22,990
|
|
|
|
|
|
|
|
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|
MARGEN FINANCIERO BRUTO / GROSS FINANCIAL MARGIN
|
52,638
|
58,671
|
|
|
|
|
|
|
|
|
|
(-) Provisiones para créditos directos / (-) Provisions for non-collection of direct loans
|
-15,851
|
-9,627
|
|
|
|
|
|
|
|
|
|
MARGEN FINANCIERO NETO / NET FINANCIAL MARGIN
|
36,787
|
49,044
|
|
|
|
|
|
|
|
|
|
INGRESOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES INCOME
|
1,682
|
1,407
|
|
|
|
|
|
|
|
|
|
GASTOS POR SERVICIOS FINANCIEROS / FINANCIAL SERVICES EXPENSES
|
-227
|
-301
|
|
|
|
|
|
|
|
|
|
MARGEN FINANCIERO NETO DE INGRESOS Y GASTOS POR SERVICIOS FINANCIEROS / NET FINANCIAL MARGIN OF FINANCIAL SERVICES RELATED INCOME AND EXPENSES
|
38,242
|
50,150
|
|
|
|
|
|
|
|
|
|
RESULTADO POR OPERACIONES FINANCIERAS (ROF) / RESULTS FROM FINANCIAL OPERATIONS
|
266
|
241
|
|
|
|
|
|
|
|
|
|
MARGEN OPERACIONAL / OPERATING MARGIN
|
38,508
|
50,391
|
|
|
|
|
|
|
|
|
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Gastos de Personal y Directorio / Personnel and directors' expenses
|
-27,601
|
-34,155
|
|
|
|
|
|
|
|
|
|
Gastos por Servicios Recibidos de Terceros / Third party service expenses
|
-6,950
|
-9,727
|
|
|
|
|
|
|
|
|
|
Impuestos y Contribuciones / Taxes and levies
|
-999
|
-1,044
|
|
|
|
|
|
|
|
|
|
DEPRECIACIONES Y AMORTIZACIONES / DEPRECIATION AND AMORTIZATION
|
-1,877
|
-1,891
|
|
|
|
|
|
|
|
|
|
MARGEN OPERACIONAL NETO / NET OPERATING MARGIN
|
1,081
|
3,574
|
|
|
|
|
|
|
|
|
|
Provisiones para créditos indirectos / Provisions for indirect loans
|
0
|
0
|
|
|
|
|
|
|
|
|
|
Provisiones para Incobrabilidad de cuentas por cobrar / Provisions for non-collectable accounts receivable
|
-10
|
1
|
|
|
|
|
|
|
|
|
|
Provisión para bienes realizable, recibidos en pago, recuperados y adjudicados y otros / Provisions for realizable assets received in payment, recovered and adjudicated, and others
|
26
|
28
|
|
|
|
|
|
|
|
|
|
Provisión para activos no corrientes mantenidos para la venta / Provisions for non-current assets held for sale
|
0
|
0
|
|
|
|
|
|
|
|
|
|
Deterioro de inversiones / Impairment of investments
|
0
|
0
|
|
|
|
|
|
|
|
|
|
Deterioro de inmuebles, mobiliario y equipo / Impairment of immovable property, furniture and equipment
|
0
|
0
|
|
|
|
|
|
|
|
|
|
Deterioro de activos intangibles / Impairment of intangible assets
|
0
|
0
|
|
|
|
|
|
|
|
|
|
Provisiones para litigios y demandas / Provisions for litigation and complaints
|
-8
|
0
|
|
|
|
|
|
|
|
|
|
Otras provisiones / Others Provisions
|
-617
|
-377
|
|
|
|
|
|
|
|
|
|
RESULTADO DE OPERACIÓN / OPERATING PROFITS
|
472
|
3,226
|
|
|
|
|
|
|
|
|
|
Otros ingresos y egresos / Other income and expenses
|
907
|
863
|
|
|
|
|
|
|
|
|
|
RESULTADO DEL EJERCICIO ANTES DE IMPUESTO A LA RENTA / RESULTS BEFORE INCOME TAX
|
1,379
|
4,089
|
|
|
|
|
|
|
|
|
|
IMPUESTO A LA RENTA / INCOME TAX
|
-648
|
-1,373
|
|
|
|
|
|
|
|
|
|
RESULTADO NETO DEL EJERCICIO / PERIOD'S NET PROFIT (LOSS)
|
731
|
2,716
|
|
|
|
|
|
|
|
|
|
INDICADORES FINANCIEROS / FINANCIAL RATIOS
|
31/12/2024
|
|
|
|
|
|
Liquidez / Liquid Ratio
|
113.91
|
|
|
|
|
|
|
Disponible %
|
17.56
|
|
|
|
|
|
|
Solvencia / Solvency
|
5.71
|
|
|
|
|
|
|
Eficiencia y Gestión %
|
68.61
|
|
|
|
|
|
|
Intermediación Financiera %
|
96.61
|
|
|
|
|
|
|
Rentabilidad sobre Activos % / Return on Assets %
|
0.32
|
|
|
|
|
|
|
Rentabilidad de Patrimonio % / Return on Equity %
|
2.13
|
|
|
|
|
|