Estados contables
Información actualizada a enero de 2026
(*) Al pie de este Balance se encuentra una tabla con el detalle de la nota del Informe del Auditor correspondiente al cierre del ejercicio trimestral o anual
Montos expresados en miles de pesos.
Montos expresados en miles de pesos.
| Dic-2023 | Dic-2024 | Nov-2025 | Dic-2025 | Ene-2026 | |
|---|---|---|---|---|---|
| A C T I V O | 97.421.520.190 | 209.479.733.228 | 294.745.435.324 | 303.007.517.677 | 304.462.074.190 |
| EFECTIVO Y DEPOSITO EN BANCOS | 15.052.186.455 | 33.146.259.861 | 48.628.409.392 | 47.403.282.839 | 49.566.844.737 |
| TÍTULOS PÚBLICOS Y PRIVADOS | 23.848.381.636 | 65.810.403.509 | 79.002.225.881 | 81.576.581.779 | 79.748.498.097 |
| PRÉSTAMOS | 21.500.439.879 | 74.257.866.165 | 125.922.646.161 | 131.221.155.104 | 132.434.945.797 |
| SECTOR PÚBLICO NO FINANCIERO | 534.981.568 | 1.292.356.221 | 1.942.064.397 | 2.179.504.459 | 2.093.254.247 |
| SECTOR FINANCIERO | 265.224.622 | 1.393.557.295 | 3.654.699.335 | 4.258.058.409 | 4.438.506.194 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 21.890.111.303 | 73.530.871.810 | 126.993.716.396 | 131.848.485.099 | 133.695.092.213 |
| ADELANTOS | 1.658.762.970 | 4.807.339.889 | 9.391.413.076 | 9.368.255.389 | 9.553.832.124 |
| DOC A SOLA FIRMA, DESCONT. Y COMPRADOS | 5.155.575.875 | 19.816.008.509 | 29.378.187.528 | 31.000.263.909 | 31.303.207.749 |
| HIPOTECARIOS | 711.487.293 | 2.108.707.683 | 6.911.392.158 | 7.291.475.883 | 7.615.187.084 |
| PRENDARIOS | 1.160.451.686 | 3.920.755.532 | 7.222.555.180 | 7.269.693.766 | 7.268.314.210 |
| PERSONALES | 1.901.082.745 | 9.951.127.856 | 18.633.547.684 | 18.890.298.915 | 19.445.714.379 |
| OTROS | 8.586.870.858 | 25.841.127.687 | 44.736.023.236 | 47.015.679.730 | 47.032.120.552 |
| INTERESES Y DIF. COTIZ. DEVENG. A COBRAR | 3.264.584.946 | 8.136.147.394 | 12.128.812.743 | 12.420.705.067 | 12.854.474.101 |
| COBROS NO APLICADOS | -5.510.649 | -11.003.772 | -13.055.835 | -16.744.097 | -13.101.851 |
| INTERESES DOCUMENTADOS | -321.008.877 | -568.907.126 | -741.727.405 | -719.386.706 | -681.497.814 |
| AJUSTES NIIF | -222.185.544 | -470.431.842 | -653.431.969 | -671.756.757 | -683.158.321 |
| PREVISIONES | -1.189.877.614 | -1.958.919.161 | -6.667.833.967 | -7.064.892.863 | -7.791.906.857 |
| OTROS CRED.POR INTERM.FINAN. | 26.358.364.242 | 15.603.522.214 | 15.102.228.934 | 16.260.939.803 | 15.308.546.674 |
| CREDITO POR ARRENDAMIENTO FINANCIERO | 173.247.011 | 446.675.131 | 825.514.253 | 842.341.667 | 867.694.755 |
| PART. EN OTRAS SOCIEDADES | 1.508.288.746 | 3.303.456.161 | 3.261.081.280 | 3.352.390.194 | 3.567.081.315 |
| EN ENTIDADES FINANCIERAS | 636.273.647 | 410.234.994 | 558.128.575 | 610.014.407 | 628.321.485 |
| OTRAS | 872.364.141 | 2.901.721.014 | 2.715.553.905 | 2.743.316.317 | 2.939.700.360 |
| DETERIORO DE VALOR | -349.042 | -8.499.847 | -12.601.200 | -940.530 | -940.530 |
| CRÉDITOS DIVERSOS | 3.170.262.010 | 5.670.777.548 | 7.362.124.320 | 7.215.540.083 | 7.445.603.915 |
| PROPIEDAD, PLANTAS Y EQUIPO | 4.065.905.902 | 7.901.171.988 | 9.962.856.070 | 10.396.524.863 | 10.679.379.742 |
| BIENES DIVERSOS | 484.768.977 | 984.418.260 | 1.276.179.053 | 1.291.017.388 | 1.342.183.898 |
| ACTIVOS INTANGIBLES | 597.111.529 | 1.369.586.629 | 1.881.440.866 | 1.958.454.936 | 1.986.663.448 |
| FILIALES EN EL EXTERIOR | 646.729.433 | 872.313.949 | 1.317.746.485 | 1.334.172.347 | 1.331.847.097 |
| PARTIDAS PEND. DE IMPUTACIÓN | 15.834.370 | 113.281.813 | 202.982.629 | 155.116.674 | 182.784.715 |
| P A S I V O | 75.072.044.116 | 158.363.815.871 | 230.426.055.896 | 236.722.773.986 | 236.085.459.533 |
| DEPÓSITOS | 62.796.457.948 | 136.766.137.907 | 193.146.701.053 | 197.949.880.957 | 197.154.098.409 |
| SECTOR PÚBLICO NO FINANCIERO | 9.620.213.316 | 23.558.155.212 | 35.547.528.703 | 30.686.947.169 | 30.683.726.564 |
| SECTOR FINANCIERO | 223.446.475 | 286.420.468 | 371.416.810 | 279.168.850 | 269.454.316 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 52.952.798.157 | 112.921.562.227 | 157.227.755.540 | 166.983.764.938 | 166.200.917.529 |
| CUENTAS CORRIENTES | 9.390.215.000 | 17.053.971.396 | 19.003.755.828 | 22.023.624.411 | 19.390.389.113 |
| CAJA DE AHORROS | 25.598.517.067 | 51.411.187.162 | 69.979.388.395 | 72.356.135.461 | 69.405.280.142 |
| PLAZO FIJO E INVERSIONES A PLAZO | 15.559.905.369 | 40.769.850.179 | 64.002.030.409 | 68.709.336.446 | 73.371.972.860 |
| OTROS | 1.029.045.150 | 2.060.367.411 | 2.698.459.648 | 2.632.801.027 | 2.695.840.273 |
| INTERESES Y DIF. COTIZ. DEVENG. A PAGAR | 1.375.117.604 | 1.626.191.772 | 1.544.127.842 | 1.261.874.680 | 1.337.443.279 |
| AJUSTES NIIF | -2.033 | -5.693 | -6.582 | -7.087 | -8.138 |
| OTRAS OBLIG.POR INTERMED. FINANC. | 5.910.273.984 | 13.808.577.256 | 25.586.908.965 | 27.232.387.736 | 27.646.539.818 |
| OBLIGACIONES DIVERSAS | 5.250.540.385 | 5.763.144.964 | 9.159.703.438 | 8.935.238.528 | 9.124.566.208 |
| PROVISIONES | 318.315.237 | 901.117.193 | 1.033.839.274 | 1.052.003.872 | 1.068.435.496 |
| OBLIGACIONES SUBORDINADAS | 762.309.564 | 977.971.858 | 1.353.714.573 | 1.371.040.410 | 943.234.339 |
| PARTIDAS PENDIENTES DE IMPUTACIÓN | 34.146.998 | 146.866.693 | 145.188.593 | 182.222.483 | 148.585.263 |
| P A T R I M O N I O N E T O | 22.349.476.074 | 51.115.917.357 | 64.319.379.428 | 66.284.743.691 | 68.376.614.657 |
| CAPITAL, APORTES, RESERVAS Y ORI ACUMULADO | 17.291.150.373 | 40.175.392.566 | 61.281.566.013 | 63.006.650.332 | 64.589.338.002 |
| RESULTADOS NO ASIGNADOS | 5.058.325.701 | 10.940.524.791 | 3.037.813.415 | 3.278.093.359 | 3.787.276.655 |
| R D O S. I N T E G R A L E S A C U M. D E L P E R I O D O | 5.300.705.371 | 7.719.338.952 | 2.788.827.784 | 2.893.873.449 | 205.386.955 |
| INGRESOS FINANCIEROS | 62.607.485.917 | 90.603.227.295 | 65.754.211.392 | 73.978.106.716 | 6.530.099.551 |
| POR INTERESES | 40.938.448.131 | 49.242.800.987 | 46.979.845.872 | 53.158.158.540 | 4.754.526.243 |
| OTROS INGRESOS FINANCIEROS | 21.669.037.786 | 41.360.426.308 | 18.774.365.520 | 20.819.948.176 | 1.775.573.308 |
| EGRESOS FINANCIEROS | -35.635.197.332 | -38.139.200.444 | -32.954.108.519 | -36.471.661.574 | -2.755.491.634 |
| POR INTERESES | -31.653.123.817 | -31.019.548.945 | -28.041.794.381 | -31.018.269.400 | -2.245.785.580 |
| OTROS EGRESOS FINANCIEROS | -3.982.073.515 | -7.119.651.499 | -4.912.314.138 | -5.453.392.174 | -509.706.054 |
| CARGO POR INCOBRABILIDAD | -1.078.755.195 | -2.253.228.776 | -6.909.371.999 | -7.965.781.488 | -1.425.786.803 |
| INGRESOS POR SERVICIOS | 2.921.575.205 | 6.053.991.514 | 8.119.777.528 | 9.169.240.743 | 786.736.750 |
| EGRESOS POR SERVICIOS | -1.696.979.760 | -3.730.834.747 | -4.515.148.634 | -5.093.794.660 | -425.422.102 |
| GASTOS DE ADMINISTRACIÓN | -7.066.124.673 | -15.250.438.785 | -16.323.473.965 | -18.458.807.743 | -1.481.917.706 |
| CRÉDITOS RECUPERADOS Y PREVISIONES DESAFECTADAS | 244.213.260 | 417.875.972 | 1.043.443.419 | 1.155.724.811 | 477.539.475 |
| RESULTADO MONETARIO | -13.477.893.844 | -24.715.850.430 | -11.512.646.958 | -13.118.045.470 | -1.360.266.977 |
| OTROS | 498.640.277 | -26.999.782 | 332.143.279 | 227.826.060 | -27.040.877 |
| IMPUESTO A LAS GANANCIAS | -2.792.595.071 | -3.041.046.380 | -1.068.038.417 | -1.245.792.799 | 48.926.451 |
| OTRO RESULTADO INTEGRAL | 776.336.587 | -2.198.156.485 | 822.040.658 | 716.858.853 | -161.989.173 |
| PARTIDAS FUERA DE BALANCE | |||||
| CRÉDITOS IRRECUPERABLES EN PARTIDAS FUERA DEL BALANCE | 769.726.402 | 1.539.134.861 | 2.880.327.480 | 3.205.151.192 | 3.416.833.301 |
| CONTINGENTES ACREEDORAS | 26.231.874.325 | 78.806.544.431 | 120.339.195.239 | 122.362.586.477 | 123.430.230.746 |
| DE CONTROL ACREEDORAS | 1.290.132.482 | 1.508.640.453 | 2.219.464.887 | 2.042.639.861 | 2.013.174.907 |
| DE DERIVADOS ACREEDORAS | 1.678.930.646 | 4.384.018.170 | 9.379.644.838 | 7.514.834.643 | 7.932.554.320 |
| CONTINGENTES DEUDORAS | 16.239.296.433 | 45.672.641.700 | 82.549.593.656 | 84.845.454.464 | 86.207.125.966 |
| DE CONTROL DEUDORAS | 151.122.571.461 | 542.283.374.485 | 343.238.416.154 | 344.577.790.482 | 371.189.687.129 |
| DE DERIVADOS DEUDORAS | 10.792.577.669 | 8.678.453.928 | 10.526.732.198 | 8.606.342.540 | 9.194.197.874 |
| DE ACTIVIDAD FIDUCIARIA DEUDORAS | 7.244.880.543 | 10.730.191.444 | 15.447.340.403 | 15.536.389.579 | 15.624.497.693 |
| INFORMES | |||
|---|---|---|---|
| TIPO | CODIGO | TIPO | CODIGO |
| CIERRE DE EJERCICIO | CIERRE DE EJERCICIO | ||
| FAVORABLE SIN SALVEDADES | 1 | OPINION ADVERSA | 6 |
| FAVORABLE CON SALVEDADES DETERMINADAS DE EXPOSICION | 2 | ABSTENCION DE OPINION | 7 |
| FAVORABLE CON SALVEDADES DETERMINADAS DE VALUACION | 3 | CIERRE TRIMESTRAL (ALCANCE LIMITADO) | |
| FAVORABLE CON SALVEDADES INDETERMINADAS CON LIMITACIONES AL ALCANCE | 4 | SIN OBSERVACIONES | 8 |
| FAVORABLE CON SALVEDADES INDETER. CON INCERTIDUMBRE S/ HECHOS FUTUROS | 5 | CON OBSERVACIONES POR HECHOS DETERMINADOS | 9 |
| CON OBSERVACIONES POR HECHOS INDETERMINADOS | 10 | ||