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 | 841.047.653 | 3.105.942.851 | 5.828.472.876 | 6.402.096.820 | 6.203.757.908 |
| EFECTIVO Y DEPOSITO EN BANCOS | 62.285.919 | 115.403.083 | 372.761.702 | 315.434.852 | 403.523.306 |
| TÍTULOS PÚBLICOS Y PRIVADOS | 45.605.523 | 202.467.288 | 831.478.531 | 866.873.035 | 945.964.912 |
| PRÉSTAMOS | 445.065.730 | 1.615.816.639 | 3.513.859.080 | 3.770.450.713 | 3.726.277.135 |
| SECTOR FINANCIERO | 3.948.759 | 28.882.937 | 101.933.746 | 229.588.463 | 151.224.219 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 454.594.963 | 1.650.257.376 | 3.614.125.214 | 3.740.970.087 | 3.794.945.273 |
| ADELANTOS | 4.194.305 | 16.804.100 | 43.450.552 | 64.293.915 | 78.200.666 |
| DOC A SOLA FIRMA, DESCONT. Y COMPRADOS | 44.590.602 | 89.341.570 | 234.021.259 | 244.591.196 | 207.131.901 |
| HIPOTECARIOS | 758.150 | 815.069 | 689.106 | 693.223 | 687.641 |
| PRENDARIOS | 218.723.400 | 651.973.322 | 1.835.997.755 | 1.842.265.524 | 1.890.881.384 |
| PERSONALES | 83.726.954 | 529.662.555 | 1.028.582.268 | 1.033.185.236 | 1.063.417.139 |
| OTROS | 91.620.595 | 341.250.623 | 532.804.678 | 611.563.106 | 622.643.802 |
| INTERESES Y DIF. COTIZ. DEVENG. A COBRAR | 32.923.891 | 108.036.836 | 209.959.530 | 219.573.010 | 226.341.997 |
| COBROS NO APLICADOS | -101.955 | -103.879 | -336.298 | -136.706 | -116.235 |
| INTERESES DOCUMENTADOS | -1.139.288 | -1.544.831 | -2.462.674 | -2.083.786 | -1.867.640 |
| AJUSTES NIIF | -20.701.691 | -85.977.989 | -268.580.962 | -272.974.631 | -292.375.382 |
| PREVISIONES | -13.477.992 | -63.323.674 | -202.199.880 | -200.107.837 | -219.892.357 |
| OTROS CRED.POR INTERM.FINAN. | 179.193.703 | 988.782.637 | 787.070.065 | 1.117.155.494 | 776.162.044 |
| CREDITO POR ARRENDAMIENTO FINANCIERO | 31.381.070 | 57.529.784 | 105.461.931 | 111.372.296 | 115.644.535 |
| PART. EN OTRAS SOCIEDADES | 867.005 | 24.048 | 1.555.973 | 303.511 | 145.649 |
| OTRAS | 867.005 | 24.048 | 1.555.973 | 303.511 | 145.649 |
| CRÉDITOS DIVERSOS | 52.573.953 | 86.153.890 | 149.255.305 | 151.454.711 | 164.627.809 |
| PROPIEDAD, PLANTAS Y EQUIPO | 16.032.628 | 25.672.213 | 35.613.943 | 35.963.586 | 37.031.192 |
| BIENES DIVERSOS | 1.184.749 | 2.795.824 | 3.451.617 | 3.484.151 | 3.771.839 |
| ACTIVOS INTANGIBLES | 6.577.689 | 11.101.369 | 26.866.582 | 27.547.794 | 28.259.175 |
| PARTIDAS PEND. DE IMPUTACIÓN | 279.684 | 196.076 | 1.098.147 | 2.056.677 | 2.350.312 |
| P A S I V O | 691.994.911 | 2.751.100.944 | 5.181.423.844 | 5.697.946.259 | 5.454.908.268 |
| DEPÓSITOS | 312.980.393 | 1.610.316.992 | 2.495.801.620 | 2.822.687.433 | 2.479.094.752 |
| SECTOR PÚBLICO NO FINANCIERO | 2.094.342 | 391 | 388 | 385 | |
| SECTOR FINANCIERO | 219.885 | 453.183 | 269.773 | 298.721 | 378.446 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 312.760.508 | 1.607.769.467 | 2.495.531.456 | 2.822.388.324 | 2.478.715.921 |
| CAJA DE AHORROS | 250.848.759 | 1.453.073.459 | 1.734.183.742 | 2.042.232.443 | 1.671.973.889 |
| PLAZO FIJO E INVERSIONES A PLAZO | 54.896.017 | 144.663.471 | 741.874.987 | 764.924.855 | 789.643.456 |
| OTROS | 760.310 | 1.287.551 | 1.541.885 | 1.672.174 | 1.763.777 |
| INTERESES Y DIF. COTIZ. DEVENG. A PAGAR | 6.257.455 | 8.750.679 | 17.937.424 | 13.565.939 | 15.342.937 |
| AJUSTES NIIF | -2.033 | -5.693 | -6.582 | -7.087 | -8.138 |
| OTRAS OBLIG.POR INTERMED. FINANC. | 335.338.301 | 1.010.781.343 | 2.421.265.759 | 2.594.727.335 | 2.678.194.242 |
| OBLIGACIONES DIVERSAS | 33.232.524 | 111.359.936 | 239.857.170 | 251.944.817 | 269.492.071 |
| PROVISIONES | 614.522 | 716.031 | 1.356.362 | 4.603.949 | 4.670.587 |
| OBLIGACIONES SUBORDINADAS | 9.758.513 | 17.758.167 | 22.500.616 | 23.172.601 | 23.296.779 |
| PARTIDAS PENDIENTES DE IMPUTACIÓN | 70.658 | 168.475 | 642.317 | 810.124 | 159.837 |
| P A T R I M O N I O N E T O | 149.052.742 | 354.841.907 | 647.049.032 | 704.150.561 | 748.849.640 |
| CAPITAL, APORTES, RESERVAS Y ORI ACUMULADO | 235.137.416 | 393.612.831 | 616.601.117 | 646.275.291 | 665.322.648 |
| RESULTADOS NO ASIGNADOS | -86.084.674 | -38.770.924 | 30.447.915 | 57.875.270 | 83.526.992 |
| 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 | -36.527.222 | 52.516.737 | 151.628.401 | 182.607.310 | 24.011.749 |
| INGRESOS FINANCIEROS | 534.520.621 | 1.144.603.320 | 2.016.173.085 | 2.281.052.262 | 225.402.967 |
| POR INTERESES | 496.297.029 | 999.624.433 | 1.778.985.323 | 2.023.628.287 | 208.941.255 |
| OTROS INGRESOS FINANCIEROS | 38.223.592 | 144.978.887 | 237.187.762 | 257.423.975 | 16.461.712 |
| EGRESOS FINANCIEROS | -384.501.353 | -628.861.128 | -1.207.831.614 | -1.357.001.883 | -116.033.929 |
| POR INTERESES | -333.357.224 | -520.402.354 | -1.025.814.741 | -1.153.185.168 | -95.028.679 |
| OTROS EGRESOS FINANCIEROS | -51.144.129 | -108.458.774 | -182.016.873 | -203.816.715 | -21.005.250 |
| CARGO POR INCOBRABILIDAD | -18.133.987 | -116.131.747 | -296.193.402 | -323.272.922 | -42.182.303 |
| INGRESOS POR SERVICIOS | 31.637.945 | 65.330.854 | 137.322.732 | 157.948.977 | 15.096.439 |
| EGRESOS POR SERVICIOS | -22.988.761 | -65.434.534 | -101.406.639 | -117.091.480 | -12.071.560 |
| GASTOS DE ADMINISTRACIÓN | -82.204.965 | -178.413.657 | -223.780.298 | -252.860.553 | -21.097.325 |
| CRÉDITOS RECUPERADOS Y PREVISIONES DESAFECTADAS | 4.913.891 | 10.585.554 | 6.198.446 | 7.404.739 | 609.249 |
| RESULTADO MONETARIO | -109.531.390 | -162.303.052 | -111.678.179 | -130.582.090 | -16.693.067 |
| OTROS | 2.146.894 | 18.936.770 | 20.298.802 | 19.991.329 | 2.390.318 |
| IMPUESTO A LAS GANANCIAS | 1.952.712 | -27.302.244 | -87.474.532 | -103.141.209 | -11.446.538 |
| OTRO RESULTADO INTEGRAL | 5.661.171 | -8.493.399 | 160.140 | 37.498 | |
| PARTIDAS FUERA DE BALANCE | |||||
| CRÉDITOS IRRECUPERABLES EN PARTIDAS FUERA DEL BALANCE | 6.467.023 | 50.812.784 | 172.195.298 | 192.148.331 | 213.167.905 |
| CONTINGENTES ACREEDORAS | 1.120.090 | 30.285.983 | 36.345.629 | 38.392.242 | 37.927.816 |
| DE CONTROL ACREEDORAS | 4.947.615 | 10.964.465 | 21.734.637 | 15.575.233 | 13.834.275 |
| DE DERIVADOS ACREEDORAS | 43.510 | ||||
| CONTINGENTES DEUDORAS | 512.161.302 | 1.432.451.566 | 3.614.144.296 | 3.824.827.352 | 3.872.992.486 |
| DE CONTROL DEUDORAS | 185.620.937 | 245.573.827 | 802.135.507 | 1.116.062.144 | 740.431.051 |
| DE DERIVADOS DEUDORAS | 1.361.364 | 7.044.000 | 70.761.111 | 65.086.111 | 64.411.111 |
| 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 | ||