Estados contables
Información actualizada a noviembre de 2025
(*) 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 | Set-2025 | Oct-2025 | Nov-2025 | |
|---|---|---|---|---|---|
| A C T I V O | 46.853.472.520 | 104.068.480.689 | 144.042.322.545 | 145.720.793.636 | 149.371.907.203 |
| EFECTIVO Y DEPOSITO EN BANCOS | 8.822.746.965 | 21.911.092.651 | 29.102.316.365 | 29.875.121.539 | 30.694.164.503 |
| TÍTULOS PÚBLICOS Y PRIVADOS | 10.081.327.079 | 25.991.944.037 | 27.895.954.943 | 28.415.892.970 | 29.737.667.847 |
| PRÉSTAMOS | 11.584.141.255 | 40.215.139.763 | 67.659.870.888 | 68.546.254.922 | 70.211.964.141 |
| SECTOR PÚBLICO NO FINANCIERO | 14.972.064 | 85.337.389 | 196.768.719 | 273.061.481 | 339.569.085 |
| SECTOR FINANCIERO | 138.672.269 | 644.721.339 | 1.671.235.779 | 1.614.587.762 | 1.902.099.708 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 11.778.373.063 | 40.657.065.334 | 68.957.902.861 | 70.118.314.958 | 71.815.473.284 |
| ADELANTOS | 1.156.992.678 | 3.565.624.216 | 6.618.869.350 | 6.463.294.623 | 7.235.953.351 |
| DOC A SOLA FIRMA, DESCONT. Y COMPRADOS | 2.823.225.731 | 10.386.573.996 | 15.871.158.048 | 16.464.890.950 | 16.875.369.413 |
| HIPOTECARIOS | 144.844.637 | 868.369.715 | 2.656.457.905 | 2.790.928.499 | 2.834.046.577 |
| PRENDARIOS | 700.656.520 | 2.334.992.365 | 3.669.512.733 | 3.773.378.611 | 3.782.504.289 |
| PERSONALES | 870.057.306 | 4.683.092.861 | 8.262.988.797 | 8.361.175.037 | 8.487.388.922 |
| OTROS | 5.268.670.523 | 16.800.389.164 | 28.615.405.779 | 28.816.582.584 | 28.965.879.103 |
| INTERESES Y DIF. COTIZ. DEVENG. A COBRAR | 1.126.891.781 | 2.469.291.006 | 3.926.155.510 | 4.147.509.699 | 4.303.180.502 |
| COBROS NO APLICADOS | -1.359.318 | -1.317.810 | -1.379.055 | -2.044.603 | -1.828.897 |
| INTERESES DOCUMENTADOS | -190.660.194 | -272.193.037 | -418.360.132 | -447.083.188 | -416.905.991 |
| AJUSTES NIIF | -120.946.601 | -177.757.142 | -242.906.074 | -250.317.254 | -250.113.985 |
| PREVISIONES | -347.876.141 | -1.171.984.299 | -3.166.036.471 | -3.459.709.279 | -3.845.177.936 |
| OTROS CRED.POR INTERM.FINAN. | 11.355.740.334 | 5.199.558.096 | 5.861.329.147 | 5.823.533.199 | 5.984.355.957 |
| CREDITO POR ARRENDAMIENTO FINANCIERO | 64.929.465 | 185.309.344 | 315.280.197 | 324.454.920 | 326.641.233 |
| PART. EN OTRAS SOCIEDADES | 518.290.794 | 1.662.910.371 | 845.267.956 | 904.869.745 | 933.739.276 |
| EN ENTIDADES FINANCIERAS | 277.813.041 | 123.843.946 | 180.465.969 | 189.976.017 | 196.422.050 |
| OTRAS | 240.477.753 | 1.539.066.425 | 664.801.987 | 714.893.728 | 737.317.226 |
| CRÉDITOS DIVERSOS | 1.732.156.835 | 3.483.706.977 | 5.428.645.503 | 4.748.125.975 | 4.237.154.750 |
| PROPIEDAD, PLANTAS Y EQUIPO | 1.951.637.715 | 3.817.080.532 | 4.855.778.094 | 4.947.662.983 | 5.042.449.530 |
| BIENES DIVERSOS | 282.332.116 | 541.614.953 | 721.700.163 | 738.039.225 | 774.068.949 |
| ACTIVOS INTANGIBLES | 451.579.394 | 1.034.759.296 | 1.322.598.464 | 1.355.512.238 | 1.396.412.288 |
| PARTIDAS PEND. DE IMPUTACIÓN | 8.590.568 | 25.364.669 | 33.580.825 | 41.325.920 | 33.288.729 |
| P A S I V O | 35.865.945.335 | 80.309.383.995 | 117.076.896.032 | 117.365.312.851 | 120.553.227.200 |
| DEPÓSITOS | 28.851.256.244 | 67.605.103.982 | 94.053.634.649 | 94.592.872.668 | 97.335.669.064 |
| SECTOR PÚBLICO NO FINANCIERO | 685.914.699 | 1.843.385.398 | 3.936.883.547 | 3.931.419.624 | 3.837.141.770 |
| SECTOR FINANCIERO | 43.147.602 | 73.911.710 | 155.987.956 | 62.207.389 | 79.944.903 |
| SECTOR PRIVADO NO FINANCIERO Y RESIDENTES EN EL EXT. | 28.122.193.943 | 65.687.806.874 | 89.960.763.146 | 90.599.245.655 | 93.418.582.391 |
| CUENTAS CORRIENTES | 5.397.453.477 | 10.484.887.717 | 11.690.437.655 | 10.515.364.430 | 11.890.465.760 |
| CAJA DE AHORROS | 14.980.127.271 | 33.828.574.791 | 42.439.231.393 | 44.284.412.793 | 45.218.795.282 |
| PLAZO FIJO E INVERSIONES A PLAZO | 6.663.345.863 | 19.866.979.851 | 34.168.753.933 | 34.180.243.944 | 34.738.861.128 |
| OTROS | 419.419.410 | 723.343.944 | 684.716.286 | 677.620.061 | 716.624.071 |
| INTERESES Y DIF. COTIZ. DEVENG. A PAGAR | 661.847.922 | 784.020.571 | 977.623.879 | 941.604.427 | 853.836.150 |
| OTRAS OBLIG.POR INTERMED. FINANC. | 3.554.072.242 | 8.328.081.008 | 17.153.775.692 | 16.518.553.936 | 17.022.112.170 |
| OBLIGACIONES DIVERSAS | 2.523.653.565 | 2.728.456.864 | 3.930.118.069 | 4.257.013.224 | 4.238.008.219 |
| PROVISIONES | 164.634.985 | 632.760.683 | 622.492.004 | 603.215.247 | 582.254.965 |
| OBLIGACIONES SUBORDINADAS | 751.037.415 | 958.961.832 | 1.260.625.396 | 1.334.834.334 | 1.329.996.467 |
| PARTIDAS PENDIENTES DE IMPUTACIÓN | 21.290.884 | 56.019.626 | 56.250.222 | 58.823.442 | 45.186.315 |
| P A T R I M O N I O N E T O | 10.987.527.185 | 23.759.096.694 | 26.965.426.513 | 28.355.480.785 | 28.818.680.003 |
| CAPITAL, APORTES, RESERVAS Y ORI ACUMULADO | 8.546.958.309 | 19.232.386.881 | 25.437.350.064 | 26.756.800.511 | 27.448.885.171 |
| RESULTADOS NO ASIGNADOS | 2.440.568.876 | 4.526.709.813 | 1.528.076.449 | 1.598.680.274 | 1.369.794.832 |
| 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 | 89.197.607 | 949.164.182 | 896.055.273 |
| INGRESOS FINANCIEROS | 28.341.571.527 | 39.736.294.980 | 23.966.423.612 | 28.044.643.783 | 31.738.840.055 |
| POR INTERESES | 22.062.346.893 | 25.833.356.433 | 17.687.745.433 | 20.834.326.834 | 23.755.030.767 |
| OTROS INGRESOS FINANCIEROS | 6.279.224.634 | 13.902.938.547 | 6.278.678.179 | 7.210.316.949 | 7.983.809.288 |
| EGRESOS FINANCIEROS | -15.275.584.309 | -15.688.359.020 | -11.546.740.404 | -13.736.179.801 | -15.610.619.207 |
| POR INTERESES | -13.102.741.521 | -11.949.519.653 | -9.435.247.608 | -11.294.288.539 | -12.860.167.456 |
| OTROS EGRESOS FINANCIEROS | -2.172.842.788 | -3.738.839.367 | -2.111.492.796 | -2.441.891.262 | -2.750.451.751 |
| CARGO POR INCOBRABILIDAD | -489.111.793 | -1.392.609.392 | -2.943.554.880 | -3.520.557.219 | -4.208.826.436 |
| INGRESOS POR SERVICIOS | 1.806.798.120 | 3.873.584.339 | 4.146.153.479 | 4.719.590.852 | 5.288.534.255 |
| EGRESOS POR SERVICIOS | -832.175.975 | -1.830.204.983 | -1.847.373.819 | -2.093.882.443 | -2.345.366.691 |
| GASTOS DE ADMINISTRACIÓN | -3.542.854.196 | -8.187.071.641 | -6.760.387.026 | -7.699.205.599 | -8.663.487.867 |
| CRÉDITOS RECUPERADOS Y PREVISIONES DESAFECTADAS | 83.016.485 | 101.512.297 | 207.543.508 | 226.816.721 | 255.355.156 |
| RESULTADO MONETARIO | -7.272.542.254 | -12.242.673.875 | -3.912.420.084 | -4.444.779.512 | -5.040.236.485 |
| OTROS | 371.394.125 | 109.977.529 | 198.845.800 | 262.598.957 | 317.162.182 |
| IMPUESTO A LAS GANANCIAS | -1.168.654.054 | -709.240.076 | -578.239.902 | -674.035.167 | -726.151.080 |
| OTRO RESULTADO INTEGRAL | 519.897.791 | -801.823.315 | -841.052.677 | -135.846.390 | -109.148.609 |
| PARTIDAS FUERA DE BALANCE | |||||
| CRÉDITOS IRRECUPERABLES EN PARTIDAS FUERA DEL BALANCE | 234.992.305 | 401.641.912 | 859.764.559 | 1.019.057.474 | 1.180.459.150 |
| CONTINGENTES ACREEDORAS | 18.864.212.656 | 58.195.404.365 | 77.989.864.036 | 78.850.921.136 | 78.675.166.062 |
| DE CONTROL ACREEDORAS | 422.049.757 | 1.161.109.483 | 1.423.717.991 | 1.318.567.742 | 1.379.862.567 |
| DE DERIVADOS ACREEDORAS | 1.300.340.086 | 3.081.116.697 | 7.753.506.126 | 12.389.261.864 | 6.846.807.605 |
| CONTINGENTES DEUDORAS | 4.637.307.034 | 13.501.174.830 | 20.451.289.071 | 21.128.333.943 | 21.059.367.378 |
| DE CONTROL DEUDORAS | 77.006.607.790 | 137.141.382.999 | 187.846.737.221 | 216.716.320.379 | 221.008.045.221 |
| DE DERIVADOS DEUDORAS | 7.812.262.133 | 4.813.289.023 | 7.840.086.255 | 9.243.262.702 | 7.876.275.865 |
| DE ACTIVIDAD FIDUCIARIA DEUDORAS | 91.781.169 | 324.528.764 | 477.719.549 | 478.150.280 | 478.573.446 |
| 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 | ||