SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 6-K
Report of Foreign Private Issuer
Pursuant to Rule 13a-16 Or 15d-16 Of The
Securities Exchange Act of 1934
For the month of March, 2004
BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.
(Exact name of Registrant as specified in its Charter)
LATIN AMERICAN EXPORT BANK
(Translation of Registrant's name into English)
Calle 50 y Aquilino de la Guardia
Apartado 6-1497
El Dorado, Panama City
Republic of Panama
(Address of Registrant's Principal Executive Offices)
(Indicate by check mark whether the registrant files or will file annual reports
under cover of Form 20-F or Form 40-F.)
Form 20-F [X] Form 40-F __
(Indicate by check mark whether the registrant by furnishing the information
contained in this Form is also thereby furnishing information to the Commission
pursuant to Rule 12g-3-2(b) under the Securities Exchange Act of 1934.)
Yes __ No [X]
(If "Yes" is marked, indicate below the file number assigned to the registrant
in connection with Rule 12g3-2(b). 82__.)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned, thereto duly authorized.
March 11, 2004
Banco Latinoamericano de Exportaciones, S.A.
By: /s/ Pedro Toll
--------------------
Name: Pedro Toll
Title: General Manager
February 26, 2004
[SEAL] STATEMENTS OF INCOME *
BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.
January to December 2004
(In Balboas)**
------------------------------------------------------------------------------------------------------------------------------------
I II
Description January February March Quarter April May June Quarter July August
------------------------------------------------------------------------------------------------------------------------------------
Interest Income 6,554,346.26 6,554,346.26
------------------------------------------------------------------------------------------------------------------------------------
Loans 5,806,089.31 5,806,089.31
------------------------------------------------------------------------------------------------------------------------------------
Deposits 134,326.48 134,326.48
------------------------------------------------------------------------------------------------------------------------------------
Investments 613,930.47 613,930.47
------------------------------------------------------------------------------------------------------------------------------------
Interest Expense 2,503,583.65 2,503,583.65
------------------------------------------------------------------------------------------------------------------------------------
Interest 2,463,551.58 2,463,551.58
------------------------------------------------------------------------------------------------------------------------------------
Commissions 40,032.07 40,032.07
------------------------------------------------------------------------------------------------------------------------------------
Net Interest Income 4,050,762.61 4,050,762.61
------------------------------------------------------------------------------------------------------------------------------------
Other Income 574,025.74 574,025.74
------------------------------------------------------------------------------------------------------------------------------------
Commissions 548,963.99 548,963.99
------------------------------------------------------------------------------------------------------------------------------------
Foreign currency operations -4,122.82 -4,122.82
------------------------------------------------------------------------------------------------------------------------------------
Other Income 29,184.57 29,184.57
------------------------------------------------------------------------------------------------------------------------------------
Operating Income 4,624,788.35 4,624,788.35
------------------------------------------------------------------------------------------------------------------------------------
Operating Expenses 1,845,294.21 1,845,294.21
------------------------------------------------------------------------------------------------------------------------------------
Administrative expenses 1,019,194.48 1,019,194.48
------------------------------------------------------------------------------------------------------------------------------------
General expenses 149,318.22 149,318.22
------------------------------------------------------------------------------------------------------------------------------------
Depreciation 119,749.86 119,749.86
------------------------------------------------------------------------------------------------------------------------------------
Other expenses 557,031.65 557,031.65
------------------------------------------------------------------------------------------------------------------------------------
Net Income before provision for loan losses 2,779,494.14 2,779,494.14
------------------------------------------------------------------------------------------------------------------------------------
Provision for loan losses -7,813,682.87 -7,813,682.87
------------------------------------------------------------------------------------------------------------------------------------
Net Income 10,593,177.01 10,593,177.01
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------
III IV
Description September Quarter October November December Quarter Year to date
------------------------------------------------------------------------------------------------------------------------
Interest Income 0.00 0.00 6,554,346.26
------------------------------------------------------------------------------------------------------------------------
Loans 0.00 0.00 5,806,089.31
------------------------------------------------------------------------------------------------------------------------
Deposits 0.00 0.00 134,326.48
------------------------------------------------------------------------------------------------------------------------
Investments 0.00 0.00 613,930.47
------------------------------------------------------------------------------------------------------------------------
Interest Expense 0.00 0.00 2,503,583.65
------------------------------------------------------------------------------------------------------------------------
Interest 0.00 0.00 2,463,551.58
------------------------------------------------------------------------------------------------------------------------
Commissions 0.00 0.00 40,032.07
------------------------------------------------------------------------------------------------------------------------
Net Interest Income 0.00 0.00 4,050,762.61
------------------------------------------------------------------------------------------------------------------------
Other Income 0.00 0.00 574,025.74
------------------------------------------------------------------------------------------------------------------------
Commissions 0.00 0.00 548,963.99
------------------------------------------------------------------------------------------------------------------------
Foreign currency operations 0.00 0.00 -4,122.82
------------------------------------------------------------------------------------------------------------------------
Other Income 0.00 0.00 29,184.57
------------------------------------------------------------------------------------------------------------------------
Operating Income 0.00 0.00 4,624,788.35
------------------------------------------------------------------------------------------------------------------------
Operating Expenses 0.00 0.00 1,845,294.21
------------------------------------------------------------------------------------------------------------------------
Administrative expenses 0.00 0.00 1,019,194.48
------------------------------------------------------------------------------------------------------------------------
General expenses 0.00 0.00 149,318.22
------------------------------------------------------------------------------------------------------------------------
Depreciation 0.00 0.00 119,749.86
------------------------------------------------------------------------------------------------------------------------
Other expenses 0.00 0.00 557,031.65
------------------------------------------------------------------------------------------------------------------------
Net Income before provision for loan losses 0.00 0.00 2,779,494.14
------------------------------------------------------------------------------------------------------------------------
Provision for loan losses 0.00 0.00 -7,813,682.87
------------------------------------------------------------------------------------------------------------------------
Net Income 0.00 0.00 10,593,177.01
------------------------------------------------------------------------------------------------------------------------
* Includes only Panama - New York accounts.
** Monetary unit at par and equivalent with US$ dollars.
This is a free translation from Spanish original version, taken from the monthly
publication of the Republica de Panama Superintendencia de Bancos (website:
http://www.superbancos.gob.pa).
February 26, 2004
[SEAL] BANCO LATINOAMERICANO DE EXPORTACIONES
BALANCE SHEETS*
December 2003 and January to December 2004
(In Balboas)**
-------------------------------------------------------------------------------------------------------------------------------
2003
-------------------------------------------------------------------------------------------------------------------------------
Description Absolute % December January
-------------------------------------------------------------------------------------------------------------------------------
LIQUID ASSETS 3,464,705.12 1.84 188,599,943.18 192,064,648.30
-------------------------------------------------------------------------------------------------------------------------------
Local Deposits in Banks -6,393.92 -4.13 154,867.09 148,473.17
-------------------------------------------------------------------------------------------------------------------------------
Demand -6,393.92 -4.13 154,867.09 148,473.17
-------------------------------------------------------------------------------------------------------------------------------
Foreign Deposits in Banks 3,457,933.78 1.84 188,319,519.42 191,777,453.20
-------------------------------------------------------------------------------------------------------------------------------
Demand 2,462,025.21 341.72 720,483.31 3,182,508.52
-------------------------------------------------------------------------------------------------------------------------------
Time 995,908.57 0.53 187,599,036.11 188,594,944.68
-------------------------------------------------------------------------------------------------------------------------------
Others 13,165.26 10.49 125,556.67 138,721.93
-------------------------------------------------------------------------------------------------------------------------------
CREDIT PORTFOLIO -5,528,205.80 -0.32 1,735,136,671.38 1,729,608,465.58
-------------------------------------------------------------------------------------------------------------------------------
Local -43,441,149.94 -20.57 211,227,524.30 167,786,374.36
-------------------------------------------------------------------------------------------------------------------------------
Foreign 37,912,944.14 2.49 1,523,909,147.08 1,561,822,091.22
-------------------------------------------------------------------------------------------------------------------------------
INVESTMENT SECURITIES -2,917,920.73 -2.54 114,823,383.39 111,905,462.66
-------------------------------------------------------------------------------------------------------------------------------
Foreign -2,917,920.73 -2.54 114,823,383.39 111,905,462.66
-------------------------------------------------------------------------------------------------------------------------------
OTHER ASSETS 14,023,884.03 27.74 50,559,948.19 64,583,832.22
-------------------------------------------------------------------------------------------------------------------------------
Local -202,478.90 -3.28 6,170,009.76 5,967,530.86
-------------------------------------------------------------------------------------------------------------------------------
Foreign 14,226,362.93 32.05 44,389,938.43 58,616,301.36
-------------------------------------------------------------------------------------------------------------------------------
TOTAL ASSETS 9,042,462.62 0.43 2,089,119,946.14 2,098,162,408.76
-------------------------------------------------------------------------------------------------------------------------------
DEPOSITS 3,946,669.87 0.77 514,414,316.03 518,360,985.90
-------------------------------------------------------------------------------------------------------------------------------
Local 1,803,318.74 4.14 43,587,485.58 45,390,804.32
-------------------------------------------------------------------------------------------------------------------------------
From Banks 1,803,318.74 4.14 43,587,485.58 45,390,804.32
-------------------------------------------------------------------------------------------------------------------------------
Demand 1,498,505.34 32.61 4,595,824.32 6,094,329.66
-------------------------------------------------------------------------------------------------------------------------------
Time 304,813.40 0.78 38,991,661.26 39,296,474.66
-------------------------------------------------------------------------------------------------------------------------------
Foreign 2,143,351.13 0.46 470,826,830.45 472,970,181.58
-------------------------------------------------------------------------------------------------------------------------------
Customers -44,711,777.75 -31.03 144,069,723.19 99,357,945.44
-------------------------------------------------------------------------------------------------------------------------------
Demand -1,637,916.02 -48.23 3,395,861.46 1,757,945.44
-------------------------------------------------------------------------------------------------------------------------------
Time -43,073,861.73 -30.62 140,673,861.73 97,600,000.00
-------------------------------------------------------------------------------------------------------------------------------
From Banks 46,855,128.88 14.34 326,757,107.26 373,612,236.14
-------------------------------------------------------------------------------------------------------------------------------
Demand 3,358,716.26 30.26 11,100,547.00 14,459,263.26
-------------------------------------------------------------------------------------------------------------------------------
Time 43,496,412.62 13.78 315,656,560.26 359,152,972.88
-------------------------------------------------------------------------------------------------------------------------------
BORROWINGS -16,083,304.42 -1.58 1,020,959,382.93 1,004,876,078.51
-------------------------------------------------------------------------------------------------------------------------------
Local 0.00 0.00 21,603,810.80 21,603,810.80
-------------------------------------------------------------------------------------------------------------------------------
Foreign -16,083,304.42 -1.61 999,355,572.13 983,272,267.71
-------------------------------------------------------------------------------------------------------------------------------
OTHER LIABILITIES 10,737,882.56 11.11 96,619,215.59 107,357,098.15
-------------------------------------------------------------------------------------------------------------------------------
Local 1,220,137.92 4.02 30,347,173.08 31,567,311.00
-------------------------------------------------------------------------------------------------------------------------------
Foreign 9,517,744.64 14.36 66,272,042.51 75,789,787.15
-------------------------------------------------------------------------------------------------------------------------------
STOCKHOLDERS' EQUITY 10,441,214.61 2.28 457,127,031.59 467,568,246.20
-------------------------------------------------------------------------------------------------------------------------------
Capital 0.00 0.00 328,225,212.57 328,225,212.57
-------------------------------------------------------------------------------------------------------------------------------
Capital Reserves 0.00 0.00 16,609,728.78 16,609,728.78
-------------------------------------------------------------------------------------------------------------------------------
Retained Earnings 101,751,364.93 15,312.49 664,499.09 102,415,864.02
-------------------------------------------------------------------------------------------------------------------------------
Net Income -91,158,187.92 -89.59 101,751,364.93 10,593,177.01
-------------------------------------------------------------------------------------------------------------------------------
Gain or Loss in Securities available for sale -151,962.40 -1.54 9,876,226.22 9,724,263.82
-------------------------------------------------------------------------------------------------------------------------------
LIABILITIES AND STOCKHOLDER'S EQUITY 9,042,462.62 0.43 2,089,119,946.14 2,098,162,408.76
-------------------------------------------------------------------------------------------------------------------------------
0.00
----------------------------------------------------------------------------------------------------------------------------------
2004
Description February March April May June July August September October November December
----------------------------------------------------------------------------------------------------------------------------------
LIQUID ASSETS
----------------------------------------------------------------------------------------------------------------------------------
Local Deposits in Banks
----------------------------------------------------------------------------------------------------------------------------------
Demand
----------------------------------------------------------------------------------------------------------------------------------
Foreign Deposits in Banks
----------------------------------------------------------------------------------------------------------------------------------
Demand
----------------------------------------------------------------------------------------------------------------------------------
Time
----------------------------------------------------------------------------------------------------------------------------------
Others
----------------------------------------------------------------------------------------------------------------------------------
CREDIT PORTFOLIO
----------------------------------------------------------------------------------------------------------------------------------
Local
----------------------------------------------------------------------------------------------------------------------------------
Foreign
----------------------------------------------------------------------------------------------------------------------------------
INVESTMENT SECURITIES
----------------------------------------------------------------------------------------------------------------------------------
Foreign
----------------------------------------------------------------------------------------------------------------------------------
OTHER ASSETS
----------------------------------------------------------------------------------------------------------------------------------
Local
----------------------------------------------------------------------------------------------------------------------------------
Foreign
----------------------------------------------------------------------------------------------------------------------------------
TOTAL ASSETS
----------------------------------------------------------------------------------------------------------------------------------
DEPOSITS
----------------------------------------------------------------------------------------------------------------------------------
Local
----------------------------------------------------------------------------------------------------------------------------------
From Banks
----------------------------------------------------------------------------------------------------------------------------------
Demand
----------------------------------------------------------------------------------------------------------------------------------
Time
----------------------------------------------------------------------------------------------------------------------------------
Foreign
----------------------------------------------------------------------------------------------------------------------------------
Customers
----------------------------------------------------------------------------------------------------------------------------------
Demand
----------------------------------------------------------------------------------------------------------------------------------
Time
----------------------------------------------------------------------------------------------------------------------------------
From Banks
----------------------------------------------------------------------------------------------------------------------------------
Demand
----------------------------------------------------------------------------------------------------------------------------------
Time
----------------------------------------------------------------------------------------------------------------------------------
BORROWINGS
----------------------------------------------------------------------------------------------------------------------------------
Local
----------------------------------------------------------------------------------------------------------------------------------
Foreign
----------------------------------------------------------------------------------------------------------------------------------
OTHER LIABILITIES
----------------------------------------------------------------------------------------------------------------------------------
Local
----------------------------------------------------------------------------------------------------------------------------------
Foreign
----------------------------------------------------------------------------------------------------------------------------------
STOCKHOLDERS' EQUITY
----------------------------------------------------------------------------------------------------------------------------------
Capital
----------------------------------------------------------------------------------------------------------------------------------
Capital Reserves
----------------------------------------------------------------------------------------------------------------------------------
Retained Earnings
----------------------------------------------------------------------------------------------------------------------------------
Net Income
----------------------------------------------------------------------------------------------------------------------------------
Gain or Loss in Securities
available for sale
----------------------------------------------------------------------------------------------------------------------------------
LIABILITIES AND STOCKHOLDER'S EQUITY
----------------------------------------------------------------------------------------------------------------------------------
* Includes only Panama - New York accounts.
** Monetary unit at par and equivalent with US$ dollars.
This is a free translation from Spanish original version, taken from the monthly
publication of the Republica de Panama Superintendencia de Bancos (website:
http://www.superbancos.gob.pa).
26 de Febrero de 2004
[SEAL] ESTADO DE RESULTADO
BANCO LATINOAMERICANO DE EXPORTACIONES, S.A.
ENERO - DICIEMBRE 2004
(En Balboas)
------------------------------------------------------------------------------------------------------------------------------------
Descripcion Enero Febrero Marzo Trimestre I Abril Mayo Junio Trimestre II Julio Agosto
------------------------------------------------------------------------------------------------------------------------------------
Ingresos Por Intereses 6,554,346.26 6,554,346.26 0.00
------------------------------------------------------------------------------------------------------------------------------------
Prestamos 5,806,089.31 5,806,089.31 0.00
------------------------------------------------------------------------------------------------------------------------------------
Depositos 134,326.48 134,326.48 0.00
------------------------------------------------------------------------------------------------------------------------------------
Inversiones 613,930.47 613,930.47 0.00
------------------------------------------------------------------------------------------------------------------------------------
Egresos de Operaciones 2,503,583.65 2,503,583.65 0.00
------------------------------------------------------------------------------------------------------------------------------------
Intereses Pagados 2,463,551.58 2,463,551.58 0.00
------------------------------------------------------------------------------------------------------------------------------------
Comisiones 40,032.07 40,032.07 0.00
------------------------------------------------------------------------------------------------------------------------------------
Ingreso Neto de Intereses 4,050,762.61 4,050,762.61 0.00
------------------------------------------------------------------------------------------------------------------------------------
Otros Ingresos 574,025.74 574,025.74 0.00
------------------------------------------------------------------------------------------------------------------------------------
Comisiones 548,963.99 548,963.99 0.00
------------------------------------------------------------------------------------------------------------------------------------
Operaciones con Divisas -4,122.82 -4,122.82 0.00
------------------------------------------------------------------------------------------------------------------------------------
Otros ingresos 29,184.57 29,184.57 0.00
------------------------------------------------------------------------------------------------------------------------------------
Ingresos de Operaciones 4,624,788.35 4,624,788.35 0.00
------------------------------------------------------------------------------------------------------------------------------------
Egresos Generales 1,845,294.21 1,845,294.21 0.00
------------------------------------------------------------------------------------------------------------------------------------
Gastos Administrativos 1,019,194.48 1,019,194.48 0.00
------------------------------------------------------------------------------------------------------------------------------------
Gastos Generales 149,318.22 149,318.22 0.00
------------------------------------------------------------------------------------------------------------------------------------
Gastos de Depreciacion 119,749.86 119,749.86 0.00
------------------------------------------------------------------------------------------------------------------------------------
Otros Gastos 557,031.65 557,031.65 0.00
------------------------------------------------------------------------------------------------------------------------------------
Utilidad antes de Provisiones 2,779,494.14 2,779,494.14 0.00
------------------------------------------------------------------------------------------------------------------------------------
Provisiones por Cuentas Malas -7,813,682.87 -7,813,682.87 0.00
------------------------------------------------------------------------------------------------------------------------------------
Utilidad del Periodo 10,593,177.01 10,593,177.01 0.00
------------------------------------------------------------------------------------------------------------------------------------
--------------------------------------------------------------------------------------------------------------------------------
Descripcion Septiembre Trimestre III Octubre Noviembre Diciembre Trimestre IV Acumulado Anual
--------------------------------------------------------------------------------------------------------------------------------
Ingresos Por Intereses 0.00 0.00 6,554,346.26
--------------------------------------------------------------------------------------------------------------------------------
Prestamos 0.00 0.00 5,806,089.31
--------------------------------------------------------------------------------------------------------------------------------
Depositos 0.00 0.00 134,326.48
--------------------------------------------------------------------------------------------------------------------------------
Inversiones 0.00 0.00 613,930.47
--------------------------------------------------------------------------------------------------------------------------------
Egresos de Operaciones 0.00 0.00 2,503,583.65
--------------------------------------------------------------------------------------------------------------------------------
Intereses Pagados 0.00 0.00 2,463,551.58
--------------------------------------------------------------------------------------------------------------------------------
Comisiones 0.00 0.00 40,032.07
--------------------------------------------------------------------------------------------------------------------------------
Ingreso Neto de Intereses 0.00 0.00 4,050,762.61
--------------------------------------------------------------------------------------------------------------------------------
Otros Ingresos 0.00 0.00 574,025.74
--------------------------------------------------------------------------------------------------------------------------------
Comisiones 0.00 0.00 548,963.99
--------------------------------------------------------------------------------------------------------------------------------
Operaciones con Divisas 0.00 0.00 -4,122.82
--------------------------------------------------------------------------------------------------------------------------------
Otros ingresos 0.00 0.00 29,184.57
--------------------------------------------------------------------------------------------------------------------------------
Ingresos de Operaciones 0.00 0.00 4,624,788.35
--------------------------------------------------------------------------------------------------------------------------------
Egresos Generales 0.00 0.00 1,845,294.21
--------------------------------------------------------------------------------------------------------------------------------
Gastos Administrativos 0.00 0.00 1,019,194.48
--------------------------------------------------------------------------------------------------------------------------------
Gastos Generales 0.00 0.00 149,318.22
--------------------------------------------------------------------------------------------------------------------------------
Gastos de Depreciacion 0.00 0.00 119,749.86
--------------------------------------------------------------------------------------------------------------------------------
Otros Gastos 0.00 0.00 557,031.65
--------------------------------------------------------------------------------------------------------------------------------
Utilidad antes de Provisiones 0.00 0.00 2,779,494.14
--------------------------------------------------------------------------------------------------------------------------------
Provisiones por Cuentas Malas 0.00 0.00 -7,813,682.87
--------------------------------------------------------------------------------------------------------------------------------
Utilidad del Periodo 0.00 0.00 10,593,177.01
--------------------------------------------------------------------------------------------------------------------------------
26 de Febrero de 2004
[SEAL] BANCO LATINOAMERICANO DE EXPORTACIONES
BALANCE DE SITUACION DE DICIEMBRE 2003 Y ENERO - DICIEMBRE 2004
(En Balboas)
------------------------------------------------------------------------------------------------------------------------------------
2003
------------------------------------------------------------------------------------------------------------------------------------
Descripcion Absoluta % Diciembre Enero Febrero Marzo Abril Mayo
------------------------------------------------------------------------------------------------------------------------------------
ACTIVOS LIQUIDOS 3,464,705.12 1.84 188,599,943.18 192,064,648.30
------------------------------------------------------------------------------------------------------------------------------------
Depositos Locales en Bancos -6,393.92 -4.13 154,867.09 148,473.17
------------------------------------------------------------------------------------------------------------------------------------
A la Vista -6,393.92 -4.13 154,867.09 148,473.17
------------------------------------------------------------------------------------------------------------------------------------
Depositos Extranjeros en Bancos 3,457,933.78 1.84 188,319,519.42 191,777,453.20
------------------------------------------------------------------------------------------------------------------------------------
A la Vista 2,462,025.21 341.72 720,483.31 3,182,508.52
------------------------------------------------------------------------------------------------------------------------------------
A Plazo 995,908.57 0.53 187,599,036.11 188,594,944.68
------------------------------------------------------------------------------------------------------------------------------------
Otros 13,165.26 10.49 125,556.67 138,721.93
------------------------------------------------------------------------------------------------------------------------------------
CARTERA CREDITICIA -5,528,205.80 -0.32 1,735,136,671.38 1,729,608,465.58
------------------------------------------------------------------------------------------------------------------------------------
Locales -43,441,149.94 -20.57 211,227,524.30 167,786,374.36
------------------------------------------------------------------------------------------------------------------------------------
Extranjero 37,912,944.14 2.49 1,523,909,147.08 1,561,822,091.22
------------------------------------------------------------------------------------------------------------------------------------
INVERSIONES EN VALORES -2,917,920.73 -2.54 114,823,383.39 111,905,462.66
------------------------------------------------------------------------------------------------------------------------------------
Extranjero -2,917,920.73 -2.54 114,823,383.39 111,905,462.66
------------------------------------------------------------------------------------------------------------------------------------
OTROS ACTIVOS 14,023,884.03 27.74 50,559,948.19 64,583,832.22
------------------------------------------------------------------------------------------------------------------------------------
Locales -202,478.90 -3.28 6,170,009.76 5,967,530.86
------------------------------------------------------------------------------------------------------------------------------------
Extranjero 14,226,362.93 32.05 44,389,938.43 58,616,301.36
------------------------------------------------------------------------------------------------------------------------------------
TOTAL DE ACTIVOS 9,042,462.62 0.43 2,089,119,946.14 2,098,162,408.76
------------------------------------------------------------------------------------------------------------------------------------
DEPOSITOS 3,946,669.87 0.77 514,414,316.03 518,360,985.90
------------------------------------------------------------------------------------------------------------------------------------
Locales 1,803,318.74 4.14 43,587,485.58 45,390,804.32
------------------------------------------------------------------------------------------------------------------------------------
De Bancos 1,803,318.74 4.14 43,587,485.58 45,390,804.32
------------------------------------------------------------------------------------------------------------------------------------
A la Vista 1,498,505.34 32.61 4,595,824.32 6,094,329.66
------------------------------------------------------------------------------------------------------------------------------------
A Plazo 304,813.40 0.78 38,991,661.26 39,296,474.66
------------------------------------------------------------------------------------------------------------------------------------
Extranjero 2,143,351.13 0.46 470,826,830.45 472,970,181.58
------------------------------------------------------------------------------------------------------------------------------------
De Particulares -44,711,777.75 -31.03 144,069,723.19 99,357,945.44
------------------------------------------------------------------------------------------------------------------------------------
A la Vista -1,637,916.02 -48.23 3,395,861.46 1,757,945.44
------------------------------------------------------------------------------------------------------------------------------------
A Plazo -43,073,861.73 -30.62 140,673,861.73 97,600,000.00
------------------------------------------------------------------------------------------------------------------------------------
De Bancos 46,855,128.88 14.34 326,757,107.26 373,612,236.14
------------------------------------------------------------------------------------------------------------------------------------
A la Vista 3,358,716.26 30.26 11,100,547.00 14,459,263.26
------------------------------------------------------------------------------------------------------------------------------------
A Plazo 43,496,412.62 13.78 315,656,560.26 359,152,972.88
------------------------------------------------------------------------------------------------------------------------------------
OBLIGACIONES -16,083,304.42 -1.58 1,020,959,382.93 1,004,876,078.51
------------------------------------------------------------------------------------------------------------------------------------
Locales 0.00 0.00 21,603,810.80 21,603,810.80
------------------------------------------------------------------------------------------------------------------------------------
Extranjero -16,083,304.42 -1.61 999,355,572.13 983,272,267.71
------------------------------------------------------------------------------------------------------------------------------------
OTROS PASIVOS 10,737,882.56 11.11 96,619,215.59 107,357,098.15
------------------------------------------------------------------------------------------------------------------------------------
Locales 1,220,137.92 4.02 30,347,173.08 31,567,311.00
------------------------------------------------------------------------------------------------------------------------------------
Extranjero 9,517,744.64 14.36 66,272,042.51 75,789,787.15
------------------------------------------------------------------------------------------------------------------------------------
PATRIMONIO 10,441,214.61 2.28 457,127,031.59 467,568,246.20
------------------------------------------------------------------------------------------------------------------------------------
Capital 0.00 0.00 328,225,212.57 328,225,212.57
------------------------------------------------------------------------------------------------------------------------------------
Reservas de Capital 0.00 0.00 16,609,728.78 16,609,728.78
------------------------------------------------------------------------------------------------------------------------------------
Utilidad de Periodos Anteriores 101,751,364.93 15,312.49 664,499.09 102,415,864.02
------------------------------------------------------------------------------------------------------------------------------------
Utilidad de Periodo -91,158,187.92 -89.59 101,751,364.93 10,593,177.01
------------------------------------------------------------------------------------------------------------------------------------
Ganancia o Perdida en Valores
Disponible para la venta -151,962.40 -1.54 9,876,226.22 9,724,263.82
------------------------------------------------------------------------------------------------------------------------------------
PASIVO Y PATRIMONIO 9,042,462.62 0.43 2,089,119,946.14 2,098,162,408.76
------------------------------------------------------------------------------------------------------------------------------------
0.00
--------------------------------------------------------------------------------------------------------------------------
2,004.00
--------------------------------------------------------------------------------------------------------------------------
Descripcion Junio Julio Agosto Septiembre Octubre Noviembre Diciembre
--------------------------------------------------------------------------------------------------------------------------
ACTIVOS LIQUIDOS
--------------------------------------------------------------------------------------------------------------------------
Depositos Locales en Bancos
--------------------------------------------------------------------------------------------------------------------------
A la Vista
--------------------------------------------------------------------------------------------------------------------------
Depositos Extranjeros en Bancos
--------------------------------------------------------------------------------------------------------------------------
A la Vista
--------------------------------------------------------------------------------------------------------------------------
A Plazo
--------------------------------------------------------------------------------------------------------------------------
Otros
--------------------------------------------------------------------------------------------------------------------------
CARTERA CREDITICIA
--------------------------------------------------------------------------------------------------------------------------
Locales
--------------------------------------------------------------------------------------------------------------------------
Extranjero
--------------------------------------------------------------------------------------------------------------------------
INVERSIONES EN VALORES
--------------------------------------------------------------------------------------------------------------------------
Extranjero
--------------------------------------------------------------------------------------------------------------------------
OTROS ACTIVOS
--------------------------------------------------------------------------------------------------------------------------
Locales
--------------------------------------------------------------------------------------------------------------------------
Extranjero
--------------------------------------------------------------------------------------------------------------------------
TOTAL DE ACTIVOS
--------------------------------------------------------------------------------------------------------------------------
DEPOSITOS
--------------------------------------------------------------------------------------------------------------------------
Locales
--------------------------------------------------------------------------------------------------------------------------
De Bancos
--------------------------------------------------------------------------------------------------------------------------
A la Vista
--------------------------------------------------------------------------------------------------------------------------
A Plazo
--------------------------------------------------------------------------------------------------------------------------
Extranjero
--------------------------------------------------------------------------------------------------------------------------
De Particulares
--------------------------------------------------------------------------------------------------------------------------
A la Vista
--------------------------------------------------------------------------------------------------------------------------
A Plazo
--------------------------------------------------------------------------------------------------------------------------
De Bancos
--------------------------------------------------------------------------------------------------------------------------
A la Vista
--------------------------------------------------------------------------------------------------------------------------
A Plazo
--------------------------------------------------------------------------------------------------------------------------
OBLIGACIONES
--------------------------------------------------------------------------------------------------------------------------
Locales
--------------------------------------------------------------------------------------------------------------------------
Extranjero
--------------------------------------------------------------------------------------------------------------------------
OTROS PASIVOS
--------------------------------------------------------------------------------------------------------------------------
Locales
--------------------------------------------------------------------------------------------------------------------------
Extranjero
--------------------------------------------------------------------------------------------------------------------------
PATRIMONIO
--------------------------------------------------------------------------------------------------------------------------
Capital
--------------------------------------------------------------------------------------------------------------------------
Reservas de Capital
--------------------------------------------------------------------------------------------------------------------------
Utilidad de Periodos Anteriores
--------------------------------------------------------------------------------------------------------------------------
Utilidad de Periodo
--------------------------------------------------------------------------------------------------------------------------
Ganancia o Perdida en Valores
Disponible para la venta
--------------------------------------------------------------------------------------------------------------------------
PASIVO Y PATRIMONIO 0.00
--------------------------------------------------------------------------------------------------------------------------