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 | 38.848.280.606 | 81.601.690.971 | 114.476.736.555 | 113.620.439.634 | 114.786.228.624 |
| EFECTIVO Y DEPOSITO EN BANCOS | 4.740.552.657 | 8.434.262.593 | 13.081.565.969 | 11.659.313.528 | 13.336.961.696 |
| TÍTULOS PÚBLICOS Y PRIVADOS | 11.749.050.285 | 31.347.558.612 | 42.206.541.143 | 41.940.274.699 | 39.229.178.326 |
| PRÉSTAMOS | 7.746.867.932 | 26.702.064.366 | 42.997.869.717 | 44.367.134.646 | 45.882.011.022 |
| SECTOR PÚBLICO NO FINANCIERO | 478.811.836 | 1.087.541.453 | 1.512.973.375 | 1.727.017.552 | 1.635.015.406 |
| SECTOR FINANCIERO | 10.455.065 | 108.859.745 | 371.628.426 | 430.265.422 | 452.143.095 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 8.021.344.197 | 26.105.829.679 | 43.266.539.867 | 44.509.294.383 | 46.397.087.382 |
| ADELANTOS | 209.655.334 | 587.273.644 | 1.206.100.747 | 1.042.626.561 | 1.155.580.556 |
| DOC A SOLA FIRMA, DESCONT. Y COMPRADOS | 1.955.678.599 | 8.136.533.340 | 10.636.716.215 | 11.177.525.124 | 11.597.882.631 |
| HIPOTECARIOS | 535.401.921 | 1.152.380.179 | 3.863.574.503 | 4.177.313.008 | 4.460.544.189 |
| PRENDARIOS | 224.872.977 | 848.904.348 | 1.380.382.303 | 1.367.711.244 | 1.349.282.045 |
| PERSONALES | 725.203.254 | 3.856.249.136 | 7.584.790.182 | 7.713.781.045 | 8.067.570.812 |
| OTROS | 2.577.593.693 | 6.623.051.244 | 11.817.493.266 | 12.045.736.050 | 12.523.157.663 |
| INTERESES Y DIF. COTIZ. DEVENG. A COBRAR | 1.963.691.125 | 5.320.285.159 | 7.156.056.195 | 7.348.182.633 | 7.605.884.087 |
| COBROS NO APLICADOS | -2.502.647 | -4.630.418 | -4.888.016 | -5.657.055 | -6.286.991 |
| INTERESES DOCUMENTADOS | -92.093.256 | -217.887.075 | -218.614.866 | -204.957.986 | -203.811.647 |
| AJUSTES NIIF | -76.156.803 | -196.329.878 | -155.070.662 | -152.966.241 | -152.715.963 |
| PREVISIONES | -763.743.166 | -600.166.511 | -2.153.271.951 | -2.299.442.711 | -2.602.234.861 |
| OTROS CRED.POR INTERM.FINAN. | 10.580.983.280 | 7.869.427.749 | 6.292.282.107 | 5.438.193.766 | 6.278.568.137 |
| CREDITO POR ARRENDAMIENTO FINANCIERO | 28.039.383 | 70.105.269 | 125.256.151 | 128.130.083 | 131.027.239 |
| PART. EN OTRAS SOCIEDADES | 661.257.680 | 1.399.418.617 | 1.967.539.431 | 1.958.401.546 | 2.011.837.769 |
| EN ENTIDADES FINANCIERAS | 134.166.280 | 235.676.989 | 284.514.333 | 289.650.307 | 297.996.926 |
| OTRAS | 527.440.442 | 1.164.484.626 | 1.683.885.708 | 1.669.691.769 | 1.714.781.373 |
| DETERIORO DE VALOR | -349.042 | -742.998 | -860.610 | -940.530 | -940.530 |
| CRÉDITOS DIVERSOS | 1.018.894.671 | 1.392.505.040 | 1.972.000.856 | 2.161.689.991 | 1.814.978.926 |
| PROPIEDAD, PLANTAS Y EQUIPO | 1.537.421.051 | 3.108.572.649 | 3.941.747.145 | 4.095.021.175 | 4.205.058.402 |
| BIENES DIVERSOS | 67.067.605 | 139.524.233 | 223.801.641 | 233.279.285 | 244.395.416 |
| ACTIVOS INTANGIBLES | 66.082.684 | 189.829.835 | 232.311.911 | 238.384.766 | 241.032.743 |
| 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 | 5.333.945 | 76.108.059 | 118.073.999 | 66.443.802 | 79.331.851 |
| P A S I V O | 30.013.494.967 | 58.832.337.977 | 84.482.541.425 | 82.840.441.249 | 83.059.309.156 |
| DEPÓSITOS | 26.486.060.990 | 54.372.435.986 | 77.314.374.461 | 75.748.210.029 | 75.556.209.541 |
| SECTOR PÚBLICO NO FINANCIERO | 8.234.482.339 | 19.324.126.473 | 29.691.638.363 | 25.691.358.102 | 24.719.840.564 |
| SECTOR FINANCIERO | 164.752.393 | 202.685.361 | 272.952.997 | 180.474.113 | 177.377.163 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 18.086.826.258 | 34.845.624.152 | 47.349.783.101 | 49.876.377.814 | 50.658.991.814 |
| CUENTAS CORRIENTES | 1.274.772.363 | 3.138.242.609 | 3.421.125.079 | 3.841.702.781 | 3.624.285.618 |
| CAJA DE AHORROS | 8.125.469.919 | 11.734.990.838 | 17.420.748.257 | 17.804.997.543 | 17.030.242.080 |
| PLAZO FIJO E INVERSIONES A PLAZO | 7.635.339.892 | 18.147.641.747 | 24.302.843.926 | 26.273.122.903 | 27.953.385.258 |
| OTROS | 497.285.975 | 1.097.852.025 | 1.640.460.244 | 1.520.647.366 | 1.635.167.615 |
| INTERESES Y DIF. COTIZ. DEVENG. A PAGAR | 553.958.109 | 726.896.933 | 564.605.595 | 435.907.221 | 415.911.243 |
| OTRAS OBLIG.POR INTERMED. FINANC. | 1.366.733.678 | 2.210.660.855 | 3.130.817.360 | 3.257.154.949 | 3.671.908.376 |
| OBLIGACIONES DIVERSAS | 2.010.816.883 | 1.937.498.993 | 3.525.283.670 | 3.299.264.608 | 3.282.603.261 |
| PROVISIONES | 138.871.826 | 244.365.571 | 428.324.567 | 443.344.866 | 469.688.784 |
| PARTIDAS PENDIENTES DE IMPUTACIÓN | 11.011.590 | 67.376.572 | 83.741.367 | 92.466.797 | 78.899.194 |
| P A T R I M O N I O N E T O | 8.834.785.639 | 22.769.352.994 | 29.994.195.130 | 30.779.998.385 | 31.726.919.468 |
| CAPITAL, APORTES, RESERVAS Y ORI ACUMULADO | 6.446.275.644 | 16.753.273.822 | 28.525.694.119 | 29.263.978.824 | 29.940.220.330 |
| RESULTADOS NO ASIGNADOS | 2.388.509.995 | 6.016.079.172 | 1.468.501.011 | 1.516.019.561 | 1.786.699.138 |
| 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 | 2.391.752.394 | 4.158.693.298 | 1.450.230.372 | 1.404.306.448 | 71.826.603 |
| INGRESOS FINANCIEROS | 26.628.697.870 | 40.428.799.366 | 25.629.584.864 | 28.849.454.982 | 2.455.632.018 |
| POR INTERESES | 13.684.031.865 | 16.695.972.427 | 16.624.910.005 | 18.914.854.178 | 1.709.098.227 |
| OTROS INGRESOS FINANCIEROS | 12.944.666.005 | 23.732.826.939 | 9.004.674.859 | 9.934.600.804 | 746.533.791 |
| EGRESOS FINANCIEROS | -15.765.453.136 | -16.902.697.483 | -12.698.264.655 | -13.999.828.679 | -941.031.976 |
| POR INTERESES | -14.506.156.845 | -14.362.872.867 | -11.258.992.191 | -12.441.845.140 | -811.566.348 |
| OTROS EGRESOS FINANCIEROS | -1.259.296.291 | -2.539.824.616 | -1.439.272.464 | -1.557.983.539 | -129.465.628 |
| CARGO POR INCOBRABILIDAD | -472.274.528 | -610.377.071 | -1.955.685.082 | -2.212.677.701 | -506.787.487 |
| INGRESOS POR SERVICIOS | 704.436.541 | 1.412.353.812 | 1.941.490.243 | 2.190.016.381 | 195.757.469 |
| EGRESOS POR SERVICIOS | -666.112.782 | -1.513.541.947 | -1.702.277.335 | -1.919.381.203 | -157.351.313 |
| GASTOS DE ADMINISTRACIÓN | -2.379.425.636 | -4.933.925.241 | -5.579.763.492 | -6.246.000.602 | -497.971.990 |
| CRÉDITOS RECUPERADOS Y PREVISIONES DESAFECTADAS | 142.746.591 | 282.417.575 | 723.067.137 | 780.388.369 | 212.663.169 |
| RESULTADO MONETARIO | -4.784.493.608 | -10.452.599.828 | -5.585.313.730 | -6.388.564.888 | -664.514.292 |
| OTROS | 28.697.043 | -168.442.760 | -49.734.580 | -180.524.366 | -31.021.996 |
| IMPUESTO A LAS GANANCIAS | -1.286.491.765 | -2.038.670.640 | -197.790.468 | -326.393.848 | 118.213.089 |
| OTRO RESULTADO INTEGRAL | 241.425.804 | -1.344.622.485 | 924.917.470 | 857.818.003 | -111.760.088 |
| PARTIDAS FUERA DE BALANCE | |||||
| CRÉDITOS IRRECUPERABLES EN PARTIDAS FUERA DEL BALANCE | 437.001.608 | 992.378.561 | 1.399.788.517 | 1.447.227.063 | 1.434.805.297 |
| CONTINGENTES ACREEDORAS | 6.003.121.285 | 17.494.836.300 | 38.501.542.903 | 39.187.127.498 | 39.404.508.809 |
| DE CONTROL ACREEDORAS | 452.549.288 | 190.693.820 | 232.443.721 | 306.309.436 | 261.114.952 |
| DE DERIVADOS ACREEDORAS | 91.021.868 | 46.160.590 | 69.923.500 | 3.271.000 | 17.934.000 |
| CONTINGENTES DEUDORAS | 10.004.635.254 | 28.309.035.229 | 53.057.624.692 | 53.892.520.122 | 54.984.221.329 |
| DE CONTROL DEUDORAS | 24.812.210.140 | 29.254.304.842 | 53.370.405.876 | 61.041.540.513 | 63.768.110.955 |
| DE DERIVADOS DEUDORAS | 1.885.337.268 | 2.142.318.785 | 111.803.070 | 59.972.030 | 58.072.780 |
| DE ACTIVIDAD FIDUCIARIA DEUDORAS | 6.815.630.278 | 9.658.362.618 | 13.346.290.823 | 13.618.312.959 | 13.586.529.536 |
| 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 | ||