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 | 46.853.472.520 | 104.068.480.689 | 149.371.907.203 | 157.282.582.698 | 156.909.788.836 |
| EFECTIVO Y DEPOSITO EN BANCOS | 8.822.746.965 | 21.911.092.651 | 30.694.164.503 | 31.469.567.171 | 31.605.650.701 |
| TÍTULOS PÚBLICOS Y PRIVADOS | 10.081.327.079 | 25.991.944.037 | 29.737.667.847 | 31.838.645.514 | 32.366.931.548 |
| PRÉSTAMOS | 11.584.141.255 | 40.215.139.763 | 70.211.964.141 | 73.426.368.229 | 72.815.165.071 |
| SECTOR PÚBLICO NO FINANCIERO | 14.972.064 | 85.337.389 | 339.569.085 | 365.361.155 | 368.430.456 |
| SECTOR FINANCIERO | 138.672.269 | 644.721.339 | 1.902.099.708 | 2.261.242.704 | 2.119.255.557 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 11.778.373.063 | 40.657.065.334 | 71.815.473.284 | 74.847.032.502 | 74.718.956.497 |
| ADELANTOS | 1.156.992.678 | 3.565.624.216 | 7.235.953.351 | 7.300.586.391 | 7.372.600.435 |
| DOC A SOLA FIRMA, DESCONT. Y COMPRADOS | 2.823.225.731 | 10.386.573.996 | 16.875.369.413 | 17.867.369.525 | 17.826.973.413 |
| HIPOTECARIOS | 144.844.637 | 868.369.715 | 2.834.046.577 | 2.885.564.321 | 2.906.791.524 |
| PRENDARIOS | 700.656.520 | 2.334.992.365 | 3.782.504.289 | 3.822.704.143 | 3.782.237.453 |
| PERSONALES | 870.057.306 | 4.683.092.861 | 8.487.388.922 | 8.559.352.318 | 8.674.646.898 |
| OTROS | 5.268.670.523 | 16.800.389.164 | 28.965.879.103 | 30.696.648.782 | 30.242.752.921 |
| INTERESES Y DIF. COTIZ. DEVENG. A COBRAR | 1.126.891.781 | 2.469.291.006 | 4.303.180.502 | 4.384.270.446 | 4.541.011.163 |
| COBROS NO APLICADOS | -1.359.318 | -1.317.810 | -1.828.897 | -4.697.723 | -2.277.627 |
| INTERESES DOCUMENTADOS | -190.660.194 | -272.193.037 | -416.905.991 | -403.763.493 | -366.911.748 |
| AJUSTES NIIF | -120.946.601 | -177.757.142 | -250.113.985 | -261.002.208 | -258.867.935 |
| PREVISIONES | -347.876.141 | -1.171.984.299 | -3.845.177.936 | -4.047.268.132 | -4.391.477.439 |
| OTROS CRED.POR INTERM.FINAN. | 11.355.740.334 | 5.199.558.096 | 5.984.355.957 | 7.508.504.613 | 6.313.660.354 |
| CREDITO POR ARRENDAMIENTO FINANCIERO | 64.929.465 | 185.309.344 | 326.641.233 | 328.048.401 | 336.691.115 |
| PART. EN OTRAS SOCIEDADES | 518.290.794 | 1.662.910.371 | 933.739.276 | 1.007.911.767 | 1.155.997.428 |
| EN ENTIDADES FINANCIERAS | 277.813.041 | 123.843.946 | 196.422.050 | 239.536.607 | 247.581.738 |
| OTRAS | 240.477.753 | 1.539.066.425 | 737.317.226 | 768.375.160 | 908.415.690 |
| CRÉDITOS DIVERSOS | 1.732.156.835 | 3.483.706.977 | 4.237.154.750 | 4.140.532.618 | 4.570.158.006 |
| PROPIEDAD, PLANTAS Y EQUIPO | 1.951.637.715 | 3.817.080.532 | 5.042.449.530 | 5.245.830.218 | 5.385.976.997 |
| BIENES DIVERSOS | 282.332.116 | 541.614.953 | 774.068.949 | 823.725.544 | 865.034.127 |
| ACTIVOS INTANGIBLES | 451.579.394 | 1.034.759.296 | 1.396.412.288 | 1.448.789.522 | 1.467.391.093 |
| PARTIDAS PEND. DE IMPUTACIÓN | 8.590.568 | 25.364.669 | 33.288.729 | 44.659.101 | 27.132.396 |
| P A S I V O | 35.865.945.335 | 80.309.383.995 | 120.553.227.200 | 127.623.731.052 | 126.303.006.883 |
| DEPÓSITOS | 28.851.256.244 | 67.605.103.982 | 97.335.669.064 | 103.033.603.177 | 102.323.698.590 |
| SECTOR PÚBLICO NO FINANCIERO | 685.914.699 | 1.843.385.398 | 3.837.141.770 | 3.191.699.540 | 3.710.223.827 |
| SECTOR FINANCIERO | 43.147.602 | 73.911.710 | 79.944.903 | 82.183.152 | 53.233.490 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 28.122.193.943 | 65.687.806.874 | 93.418.582.391 | 99.759.720.485 | 98.560.241.273 |
| CUENTAS CORRIENTES | 5.397.453.477 | 10.484.887.717 | 11.890.465.760 | 14.339.002.751 | 12.128.434.639 |
| CAJA DE AHORROS | 14.980.127.271 | 33.828.574.791 | 45.218.795.282 | 46.919.330.313 | 45.385.035.215 |
| PLAZO FIJO E INVERSIONES A PLAZO | 6.663.345.863 | 19.866.979.851 | 34.738.861.128 | 37.020.639.068 | 39.524.379.744 |
| OTROS | 419.419.410 | 723.343.944 | 716.624.071 | 763.771.692 | 727.292.264 |
| INTERESES Y DIF. COTIZ. DEVENG. A PAGAR | 661.847.922 | 784.020.571 | 853.836.150 | 716.976.661 | 795.099.411 |
| OTRAS OBLIG.POR INTERMED. FINANC. | 3.554.072.242 | 8.328.081.008 | 17.022.112.170 | 18.311.852.979 | 17.932.854.445 |
| OBLIGACIONES DIVERSAS | 2.523.653.565 | 2.728.456.864 | 4.238.008.219 | 4.279.471.905 | 4.504.239.963 |
| PROVISIONES | 164.634.985 | 632.760.683 | 582.254.965 | 579.851.948 | 568.639.459 |
| OBLIGACIONES SUBORDINADAS | 751.037.415 | 958.961.832 | 1.329.996.467 | 1.346.614.964 | 918.678.661 |
| PARTIDAS PENDIENTES DE IMPUTACIÓN | 21.290.884 | 56.019.626 | 45.186.315 | 72.336.079 | 54.895.765 |
| P A T R I M O N I O N E T O | 10.987.527.185 | 23.759.096.694 | 28.818.680.003 | 29.658.851.646 | 30.606.781.953 |
| CAPITAL, APORTES, RESERVAS Y ORI ACUMULADO | 8.546.958.309 | 19.232.386.881 | 27.448.885.171 | 28.188.785.565 | 28.946.971.136 |
| RESULTADOS NO ASIGNADOS | 2.440.568.876 | 4.526.709.813 | 1.369.794.832 | 1.470.066.081 | 1.659.810.817 |
| 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 | 2.541.755.467 | 2.969.386.843 | 896.055.273 | 948.970.603 | 99.837.014 |
| INGRESOS FINANCIEROS | 28.341.571.527 | 39.736.294.980 | 31.738.840.055 | 35.742.349.576 | 3.248.108.086 |
| POR INTERESES | 22.062.346.893 | 25.833.356.433 | 23.755.030.767 | 26.808.869.314 | 2.365.356.873 |
| OTROS INGRESOS FINANCIEROS | 6.279.224.634 | 13.902.938.547 | 7.983.809.288 | 8.933.480.262 | 882.751.213 |
| EGRESOS FINANCIEROS | -15.275.584.309 | -15.688.359.020 | -15.610.619.207 | -17.335.717.079 | -1.412.011.598 |
| POR INTERESES | -13.102.741.521 | -11.949.519.653 | -12.860.167.456 | -14.246.102.348 | -1.101.446.330 |
| OTROS EGRESOS FINANCIEROS | -2.172.842.788 | -3.738.839.367 | -2.750.451.751 | -3.089.614.731 | -310.565.268 |
| CARGO POR INCOBRABILIDAD | -489.111.793 | -1.392.609.392 | -4.208.826.436 | -4.900.945.348 | -799.061.381 |
| INGRESOS POR SERVICIOS | 1.806.798.120 | 3.873.584.339 | 5.288.534.255 | 5.967.640.000 | 506.352.534 |
| EGRESOS POR SERVICIOS | -832.175.975 | -1.830.204.983 | -2.345.366.691 | -2.646.203.025 | -220.532.320 |
| GASTOS DE ADMINISTRACIÓN | -3.542.854.196 | -8.187.071.641 | -8.663.487.867 | -9.862.289.967 | -787.967.457 |
| CRÉDITOS RECUPERADOS Y PREVISIONES DESAFECTADAS | 83.016.485 | 101.512.297 | 255.355.156 | 307.562.247 | 253.618.312 |
| RESULTADO MONETARIO | -7.272.542.254 | -12.242.673.875 | -5.040.236.485 | -5.713.737.073 | -585.080.345 |
| OTROS | 371.394.125 | 109.977.529 | 317.162.182 | 334.180.334 | 2.136.631 |
| IMPUESTO A LAS GANANCIAS | -1.168.654.054 | -709.240.076 | -726.151.080 | -797.747.648 | -58.209.797 |
| OTRO RESULTADO INTEGRAL | 519.897.791 | -801.823.315 | -109.148.609 | -146.121.414 | -47.515.651 |
| PARTIDAS FUERA DE BALANCE | |||||
| CRÉDITOS IRRECUPERABLES EN PARTIDAS FUERA DEL BALANCE | 234.992.305 | 401.641.912 | 1.180.459.150 | 1.431.211.352 | 1.631.408.695 |
| CONTINGENTES ACREEDORAS | 18.864.212.656 | 58.195.404.365 | 78.675.166.062 | 79.125.564.882 | 79.420.156.976 |
| DE CONTROL ACREEDORAS | 422.049.757 | 1.161.109.483 | 1.379.862.567 | 1.079.775.290 | 1.269.122.692 |
| DE DERIVADOS ACREEDORAS | 1.300.340.086 | 3.081.116.697 | 6.846.807.605 | 5.661.044.788 | 6.048.405.604 |
| CONTINGENTES DEUDORAS | 4.637.307.034 | 13.501.174.830 | 21.059.367.378 | 22.143.297.536 | 22.260.147.763 |
| DE CONTROL DEUDORAS | 77.006.607.790 | 137.141.382.999 | 221.008.045.221 | 222.208.741.276 | 241.152.386.950 |
| DE DERIVADOS DEUDORAS | 7.812.262.133 | 4.813.289.023 | 7.876.275.865 | 6.525.012.593 | 7.044.023.847 |
| DE ACTIVIDAD FIDUCIARIA DEUDORAS | 91.781.169 | 324.528.764 | 478.573.446 | 196.290.624 | 196.722.375 |
| 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 | ||