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 | 57.732.191.931 | 124.772.099.406 | 174.440.225.893 | 182.984.981.223 | 183.472.087.658 |
| EFECTIVO Y DEPOSITO EN BANCOS | 10.249.347.879 | 24.596.594.185 | 35.174.081.721 | 35.428.534.459 | 35.826.359.735 |
| TÍTULOS PÚBLICOS Y PRIVADOS | 12.053.725.828 | 34.260.377.609 | 35.964.206.207 | 38.769.434.045 | 39.573.354.859 |
| PRÉSTAMOS | 13.308.506.217 | 45.939.985.160 | 79.410.917.364 | 83.083.569.745 | 82.826.657.640 |
| SECTOR PÚBLICO NO FINANCIERO | 56.169.732 | 204.814.768 | 429.091.022 | 452.486.907 | 458.238.841 |
| SECTOR FINANCIERO | 250.820.798 | 1.255.814.613 | 3.181.137.163 | 3.598.204.524 | 3.835.138.880 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 13.414.172.143 | 45.774.784.755 | 80.113.051.315 | 83.598.220.629 | 83.503.059.558 |
| ADELANTOS | 1.444.913.331 | 4.203.262.145 | 8.141.861.777 | 8.261.334.913 | 8.320.050.902 |
| DOC A SOLA FIRMA, DESCONT. Y COMPRADOS | 3.155.306.674 | 11.590.133.599 | 18.507.450.054 | 19.578.147.589 | 19.498.193.217 |
| HIPOTECARIOS | 175.327.222 | 955.512.435 | 3.047.128.549 | 3.113.469.652 | 3.153.955.254 |
| PRENDARIOS | 716.855.309 | 2.419.877.862 | 4.006.175.122 | 4.059.716.998 | 4.028.150.781 |
| PERSONALES | 1.092.152.537 | 5.565.216.165 | 10.020.175.234 | 10.143.332.634 | 10.314.726.428 |
| OTROS | 5.917.656.570 | 18.876.825.820 | 32.385.725.292 | 34.358.380.574 | 33.886.319.087 |
| INTERESES Y DIF. COTIZ. DEVENG. A COBRAR | 1.267.969.930 | 2.707.825.399 | 4.762.797.018 | 4.852.949.424 | 5.022.248.017 |
| COBROS NO APLICADOS | -2.906.047 | -6.269.475 | -7.831.521 | -10.950.336 | -6.698.625 |
| INTERESES DOCUMENTADOS | -227.776.333 | -349.475.220 | -520.649.865 | -512.344.934 | -475.818.527 |
| AJUSTES NIIF | -125.327.050 | -188.123.975 | -229.780.345 | -245.815.885 | -238.066.976 |
| PREVISIONES | -412.656.456 | -1.295.428.976 | -4.312.362.136 | -4.565.342.315 | -4.969.779.639 |
| OTROS CRED.POR INTERM.FINAN. | 15.598.187.259 | 6.745.311.828 | 8.022.876.762 | 9.705.590.543 | 8.253.816.493 |
| CREDITO POR ARRENDAMIENTO FINANCIERO | 113.826.558 | 319.040.078 | 594.796.171 | 602.839.288 | 621.022.981 |
| PART. EN OTRAS SOCIEDADES | 846.164.061 | 1.904.013.496 | 1.291.985.876 | 1.393.685.137 | 1.555.097.897 |
| EN ENTIDADES FINANCIERAS | 502.107.367 | 174.558.005 | 273.614.242 | 320.364.100 | 330.324.559 |
| OTRAS | 344.056.694 | 1.737.212.340 | 1.030.112.224 | 1.073.321.037 | 1.224.773.338 |
| DETERIORO DE VALOR | -7.756.849 | -11.740.590 | |||
| CRÉDITOS DIVERSOS | 2.098.793.386 | 4.192.118.618 | 5.240.868.159 | 4.902.395.381 | 5.465.997.180 |
| PROPIEDAD, PLANTAS Y EQUIPO | 2.512.452.223 | 4.766.927.126 | 5.985.494.982 | 6.265.540.102 | 6.437.290.148 |
| BIENES DIVERSOS | 416.516.623 | 842.098.203 | 1.048.925.795 | 1.054.253.952 | 1.094.016.643 |
| ACTIVOS INTANGIBLES | 524.451.156 | 1.168.655.425 | 1.622.262.373 | 1.692.522.376 | 1.717.371.530 |
| PARTIDAS PEND. DE IMPUTACIÓN | 10.220.741 | 36.977.678 | 83.810.483 | 86.616.195 | 101.102.552 |
| P A S I V O | 44.366.554.238 | 96.780.376.950 | 140.762.090.627 | 148.184.386.478 | 147.571.242.109 |
| DEPÓSITOS | 35.997.416.565 | 80.783.384.929 | 113.336.524.972 | 119.378.983.495 | 119.118.794.116 |
| SECTOR PÚBLICO NO FINANCIERO | 1.385.730.977 | 4.231.934.397 | 5.855.889.949 | 4.995.588.679 | 5.963.885.615 |
| SECTOR FINANCIERO | 58.474.197 | 83.281.924 | 98.194.040 | 98.396.016 | 91.698.707 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 34.553.211.391 | 76.468.168.608 | 107.382.440.983 | 114.284.998.800 | 113.063.209.794 |
| CUENTAS CORRIENTES | 8.115.442.637 | 13.915.728.787 | 15.582.630.749 | 18.181.921.630 | 15.766.103.495 |
| CAJA DE AHORROS | 17.222.198.389 | 38.223.122.865 | 50.824.456.396 | 52.508.905.475 | 50.703.064.173 |
| PLAZO FIJO E INVERSIONES A PLAZO | 7.869.669.460 | 22.477.544.961 | 38.957.311.496 | 41.671.288.688 | 44.628.944.146 |
| OTROS | 530.998.865 | 961.227.835 | 1.056.457.519 | 1.110.481.487 | 1.058.908.881 |
| INTERESES Y DIF. COTIZ. DEVENG. A PAGAR | 814.902.040 | 890.544.160 | 961.584.823 | 812.401.520 | 906.189.099 |
| OTRAS OBLIG.POR INTERMED. FINANC. | 4.208.202.005 | 10.587.135.058 | 20.034.825.846 | 21.380.505.452 | 21.296.437.200 |
| OBLIGACIONES DIVERSAS | 3.206.490.978 | 3.714.286.035 | 5.394.562.598 | 5.384.029.103 | 5.572.470.876 |
| PROVISIONES | 178.828.889 | 656.035.591 | 604.158.345 | 604.055.057 | 594.076.125 |
| OBLIGACIONES SUBORDINADAS | 752.551.051 | 960.213.691 | 1.331.213.957 | 1.347.867.809 | 919.937.560 |
| PARTIDAS PENDIENTES DE IMPUTACIÓN | 23.064.750 | 79.321.646 | 60.804.909 | 88.945.562 | 69.526.232 |
| P A T R I M O N I O N E T O | 13.365.637.693 | 27.991.722.456 | 33.678.135.266 | 34.800.594.745 | 35.900.845.549 |
| CAPITAL, APORTES, RESERVAS Y ORI ACUMULADO | 10.609.737.313 | 23.028.505.913 | 32.139.270.777 | 33.096.396.217 | 33.983.795.024 |
| RESULTADOS NO ASIGNADOS | 2.755.900.380 | 4.963.216.543 | 1.538.864.489 | 1.704.198.528 | 1.917.050.525 |
| 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 | 2.945.480.199 | 3.508.128.917 | 1.186.969.011 | 1.306.959.691 | 109.548.603 |
| INGRESOS FINANCIEROS | 35.444.267.426 | 49.029.824.609 | 38.108.453.443 | 42.847.599.472 | 3.849.064.566 |
| POR INTERESES | 26.758.119.237 | 31.547.204.127 | 28.575.950.544 | 32.219.676.075 | 2.836.486.761 |
| OTROS INGRESOS FINANCIEROS | 8.686.148.189 | 17.482.620.482 | 9.532.502.899 | 10.627.923.397 | 1.012.577.805 |
| EGRESOS FINANCIEROS | -19.485.242.843 | -20.607.641.833 | -19.048.012.250 | -21.114.831.012 | -1.698.425.729 |
| POR INTERESES | -16.813.609.748 | -16.136.273.724 | -15.756.987.449 | -17.423.239.092 | -1.339.190.553 |
| OTROS EGRESOS FINANCIEROS | -2.671.633.095 | -4.471.368.109 | -3.291.024.801 | -3.691.591.920 | -359.235.176 |
| CARGO POR INCOBRABILIDAD | -588.346.680 | -1.526.719.958 | -4.657.493.515 | -5.429.830.865 | -876.817.013 |
| INGRESOS POR SERVICIOS | 2.185.500.719 | 4.576.306.848 | 6.040.964.553 | 6.821.275.385 | 575.882.842 |
| EGRESOS POR SERVICIOS | -1.007.878.217 | -2.151.858.266 | -2.711.464.660 | -3.057.321.977 | -255.999.229 |
| GASTOS DE ADMINISTRACIÓN | -4.604.494.072 | -10.138.099.887 | -10.519.930.175 | -11.959.946.588 | -962.848.391 |
| CRÉDITOS RECUPERADOS Y PREVISIONES DESAFECTADAS | 96.552.778 | 124.872.843 | 314.177.836 | 367.931.703 | 264.267.057 |
| RESULTADO MONETARIO | -8.583.868.846 | -14.100.947.550 | -5.815.655.049 | -6.598.898.492 | -679.059.618 |
| OTROS | 467.796.340 | 122.506.208 | 361.579.057 | 388.359.097 | 1.590.801 |
| IMPUESTO A LAS GANANCIAS | -1.508.056.018 | -975.073.496 | -782.773.417 | -816.257.742 | -57.840.100 |
| OTRO RESULTADO INTEGRAL | 529.249.612 | -845.040.601 | -102.876.812 | -141.119.290 | -50.266.583 |
| PARTIDAS FUERA DE BALANCE | |||||
| CRÉDITOS IRRECUPERABLES EN PARTIDAS FUERA DEL BALANCE | 326.257.771 | 495.943.516 | 1.308.343.665 | 1.565.775.798 | 1.768.860.099 |
| CONTINGENTES ACREEDORAS | 20.227.632.950 | 61.281.422.148 | 81.801.306.707 | 83.137.066.737 | 83.987.794.121 |
| DE CONTROL ACREEDORAS | 832.635.579 | 1.306.982.168 | 1.965.286.529 | 1.720.755.192 | 1.738.225.680 |
| DE DERIVADOS ACREEDORAS | 1.587.865.268 | 4.337.857.580 | 9.309.721.338 | 7.511.563.643 | 7.914.620.320 |
| CONTINGENTES DEUDORAS | 5.722.499.877 | 15.931.154.905 | 25.877.824.668 | 27.128.106.990 | 27.349.912.151 |
| DE CONTROL DEUDORAS | 126.124.740.384 | 512.783.495.816 | 289.065.874.771 | 282.420.187.825 | 306.681.145.123 |
| DE DERIVADOS DEUDORAS | 8.905.879.037 | 6.529.091.143 | 10.344.168.017 | 8.481.284.399 | 9.071.713.983 |
| DE ACTIVIDAD FIDUCIARIA DEUDORAS | 429.250.265 | 1.071.828.826 | 2.101.049.580 | 1.918.076.620 | 2.037.968.157 |
| 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 | ||