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					                                               Asociación Solidarista de Empleados del INA
                                                ESTADO DE RESULTADOS COMPARATIVO
                                                (En colones costarricenses sin céntimos)




            Descripción de Cuenta               May-2011      April-2012


INGRESOS
INTERESES SOBRE PRESTAMOS                      782,124,853   783,477,583
INTERESES PRESTAMO RAPIDO                          892,333     6,171,248
INTERESES PRESTAMO PERSONAL                    355,021,206   304,748,638
INTERESES PRESTAMO EMERGENCIA                       28,666        17,637
INTERESES PRESTAMO VIVIENDA                     86,495,507   118,399,563
INTERESES PRESTAMO REFUNDICION                  27,146,196    25,011,840
INTERESES PRESTAMO EXASOCIADOS                   6,412,212     9,603,678
INTERESES PRÉSTAMO HIPOTECARIO LIB.                           18,828,230
INTERESES PRÉSTAMO RECREATIVO                    3,722,882       270,351
INTERESES PRESTAMO ESTUDIO                       5,952,628     2,431,898
INTERESES PRESTAMO MEDICO                      272,412,640     5,297,336
INTERESES PRESTAMO AHORRO DISPONIBLE             1,867,316   262,053,038
INTERESES PRESTAMOS ESPECIALES                                   824,228
INTERESES PRESTAMOS CANC. TARJETAS CREDITO          19,268           -
INTERESES PRESTAMOS S/ EXCEDENTES                8,056,125    10,650,943
INTERESES PRESTAMOS FONDO MUTUALIDAD               177,414        38,518
INTERESES SOBRE PRESTAMO SALUD                     201,888       216,326
INTERESES CRÉDITO FERIAS                        12,296,424    12,911,573
INTERESES MORATORIOS                               924,986     1,468,759
INTERESES COBROS JUDICIALES                        497,162     4,533,779
INVERSIONES LIBRES                             171,859,743   195,408,984
INTERESES FONDOS INVERSION                      25,359,444    26,009,558
INTERESES RECOMPRAS                              3,373,553     3,399,693
INTERESES BONOS                                 97,972,452   112,511,080
CERTIFICADOS DE INVERSION                       20,465,501    41,508,052
INGRESO POR DIFERENCIAL CAMBIARIO               17,905,830     9,749,738
REALIZACION VENTA DE TITULOS INVERSIONES         5,724,759        80,000
AMORTIZACION DE DESCUENTOS                       1,058,204     2,150,863
INVERSIONES EN APALANCAMIENTO                   61,128,651       351,072
INTERESES RECURSOS FINANCIEROS                  60,776,650       351,072
DIFERENCIAL CAMBIARIO REC.
REALIZACIÓN VENTA DE TITULOS APALANCADOS           352,001
INTERESES GANADOS SOBRE AHORROS                        -             -
OTRAS INV. VARIAS                                1,614,752    10,013,329
OTROS INGRESOS                                 101,625,310    13,201,107
INGRESOS POR PARTICIPACIONES DE UTILIDAD INS                     147,550
DIFERENCIAL CAMBIARIO                              211,017        42,509
INTERESES SOBRE CUENTAS CORRIENTES               1,535,153     1,639,027
PROVISION POR INCOBRABLES                        9,179,251     9,410,434
INGRESOS VARIOS                                  2,018,153     1,961,587
DEPÓSITOS NO IDENTIFICADOS                          12,400
INGRESOS INMOBILIARIOS                          88,669,336           -
TOTAL INGRESOS                               1,118,353,309   ###########
GASTOS
GASTOS DE SALARIOS
SALARIOS                                       42,030,828   37,853,100
ORDINARIOS                                     41,083,186   37,703,925
EXTRAORDINARIOS                                   208,337      115,951
INCAPACIDADES                                     739,305       33,224
CARGAS PATRONALES                              20,276,658   17,694,892
CARGAS PATRONALES                              11,869,306   10,366,419
CESANTIA                                        2,701,437    2,342,969
VACACIONES                                      1,902,844    1,663,164
AGUINALDO                                       3,803,071    3,322,340
TOTAL DE SALARIOS                              62,307,486   55,547,992
GASTOS ADMINISTRATIVOS Y OPERATIVOS
DEPRECIACION Y AMORTIZACIONES                   4,759,160    4,452,146
MOBILIARIO                                        188,512      170,432
EQUIPO DE OFICINA                                 480,201      591,457
EQUIPO DE COMPUTO                               1,333,202    1,117,616
MEJORAS A LA PROPIEDAD                          1,628,154    1,194,569
SISTEMA SOFWARE                                   478,133      719,317
OTROS PROGRAMAS Y LICENCIAS                       650,958      658,755
OTROS GASTOS OPERATIVOS                        64,306,963   48,524,734
MANTENIMIENTO EQUIPO DE OFICINA                   370,640      518,182
MANTENIMIENTO DE SOFTWARE                         368,953      478,035
MATERIALES Y UTILES DE OFICINA                  1,781,322      819,888
MATERIALES DE ASEO                                149,669      187,659
VIATICOS                                        1,255,895    1,731,332
TELECOMUNICACIONES                                638,830      676,640
CAPACITACION                                       84,000      579,970
CORREOS                                             6,375       17,825
IMPRESOS                                          611,964      486,204
SEGUROS                                           633,033      671,568
SUSCRIPCIONES                                     316,633      233,194
ACTIVIDADES SOCIALES Y DEPORTIVAS                 873,650      724,193
ASAMBLEAS GENERALES                            43,062,156   31,900,062
ATENCION JUNTA DIRECTIVA Y ASOCIADOS.           1,225,704      955,370
SERVICIOS PROFESIONALES                         4,393,504    4,302,430
TRANSPORTE DE VALORES (REMESAS)                   930,077      588,905
UNIFORMES                                         566,356      601,228
AUDITORIA                                       7,037,150    3,051,660
LIQUIDACIONES AUTOMATICAS DE PRESTAMOS              1,052          389
PROVISION POR INCOBRABLES                       7,643,112   13,954,367
PROVISION POR INCOBRABLES                       7,643,112   13,954,367
OTROS GASTOS                                      133,486       58,507
OTROS GASTOS                                      133,486       58,507
TOTAL DE GASTOS ADMINISTRATIVOS Y OPERATIVOS   76,842,721   66,989,754

EGRESOS SOBRE INVERSIONES
EGRESOS SOBRE INVERSIONES LIBRES               48,802,550   61,931,661
FONDO DE INVERSION
DIFERENCIAL CAMBIARIO INVERSIONES              22,961,589   25,227,600
COMISION INVERSIONES                            5,593,486    4,402,391
REALIZACION VENTA TITULOS INVERSIONES             812,934   23,800,280
AMORTIZACIÓN DE PRIMAS INVERSIONES            19,434,541     8,501,390
RECURSOS FINANCIADOS                          61,003,915       332,887
DIFERENCIAL CAMBIARIO RECURSOS FINANCIADOS                         -
COMISION RECURSOS FINANCIADOS                  2,509,556
COSTO FINANCIERO RECURSOS FINANCIADOS         32,512,146      292,931
REALIZACION VENTA TITULOS REC.                   240,928
AMORTIZACIÓN DE PRIMAS REC.FINANCIADOS        25,741,285        39,956
INTERESES SOBRE AHORROS                        6,474,580     3,308,589
COMISIONES BANCARIAS                           1,746,501     1,942,056
DIFERENCIAL CAMBIARIO CUENTAS CORRIENTES         197,452       116,717
TOTAL GASTOS FINANCIEROS                     118,224,998    67,631,910


TOTAL GASTOS                                 257,375,205   190,169,656

EXCEDENTES DEL PERIODO                       860,978,104   812,282,419

                                                     -
rista de Empleados del INA
ULTADOS COMPARATIVO
arricenses sin céntimos)



                             Diferencia mensual     Diferencia anual
                                                                            Análisis
            June-2012          ABS        REL        ABS           REL
                                                                            Vertical


            881,200,600 97,723,017    12.5%         99,075,747      12.7%     77.7%
              7,364,652  1,193,404    19.3%          6,472,319     725.3%      0.6%
            340,515,870 35,767,232    11.7%        (14,505,336)     -4.1%     30.0%
                 30,121     12,484    70.8%              1,455       5.1%      0.0%
            134,633,761 16,234,198    13.7%         48,138,254      55.7%     11.9%
             30,706,507  5,694,667    22.8%          3,560,311      13.1%      2.7%
             10,984,760  1,381,082    14.4%          4,572,548      71.3%      1.0%
             20,977,484  2,149,254    11.4%         20,977,484          0      1.9%
                320,630     50,279    18.6%         (3,402,252)      0.0%      0.0%
              2,645,400    213,502     8.8%         (3,307,228)    -55.6%      0.2%
              5,923,993    626,657    11.8%       (266,488,647)    -97.8%      0.5%
            292,451,960 30,398,922    11.6%        290,584,644    #######     25.8%
                925,384    101,156    12.3%            925,384    #DIV/0!      0.1%
                    -          -    #DIV/0!            (19,268)   -100.0%      0.0%
             12,754,690  2,103,747    19.8%          4,698,565      58.3%      1.1%
                 42,096      3,578     9.3%           (135,318)    -76.3%      0.0%
                264,725     48,399    22.4%             62,837      31.1%      0.0%
             14,613,155  1,701,582    13.2%          2,316,731      18.8%      1.3%
              1,511,633     42,874     2.9%            586,647      63.4%      0.1%
              4,533,779        -       0.0%          4,036,617     811.9%      0.4%
            223,703,479 28,294,495    14.5%         51,843,736      30.2%     19.7%
             28,866,580  2,857,022    11.0%          3,507,136      13.8%      2.5%
              4,292,524    892,831    26.3%            918,971      27.2%      0.4%
            129,100,287 16,589,207    14.7%         31,127,835      31.8%     11.4%
             49,110,354  7,602,302    18.3%         28,644,853     140.0%      4.3%
              9,767,145     17,407     0.2%         (8,138,685)    -45.5%      0.9%
                 80,000        -       0.0%         (5,644,759)    -98.6%      0.0%
              2,486,589    335,726    15.6%          1,428,385     135.0%      0.2%
                351,072        -       0.0%        (60,777,579)    -99.4%      0.0%
                351,072        -       0.0%        (60,425,578)    -99.4%      0.0%
                    -          -       0.0%                -            0      0.0%
                    -          -       0.0%           (352,001)      0.0%      0.0%
              5,452,263  5,452,263   100.0%          5,452,263     100.0%      0.5%
              9,321,539   (691,790)   -6.9%          7,706,787     477.3%      0.8%
             13,620,536    419,429     3.2%        (88,004,774)    -86.6%      1.2%
                147,550        -       0.0%            147,550          0      0.0%
                 42,509        -       0.0%         (1,492,644)   -707.4%      0.0%
              1,983,374    344,347    21.0%         (7,195,877)   -468.7%      0.2%
              9,410,434        -       0.0%          7,392,281      80.5%      0.8%
              2,036,669     75,082     3.8%          2,024,269     100.3%      0.2%
                               -       0.0%            (12,400)   -100.0%      0.0%
                   -           -     100.0%        (88,669,336)   -100.0%      0.0%
           ########### 131,197,414    13.1%         15,296,180       1.4%      100%
42,957,682    5,104,582   32.1%      926,854      2.2%    3.8%
42,786,959    5,083,034   13.5%    1,703,773      4.1%    3.8%
   137,499       21,548   18.6%      (70,838)   -34.0%    0.0%
    33,224          -      0.0%     (706,081)     0.0%    0.0%
19,963,958    2,269,066   12.8%     (312,700)    -1.5%    1.8%
11,715,998    1,349,579   13.0%     (153,308)    -1.3%    1.0%
 2,617,835      274,866   11.7%      (83,602)    -3.1%    0.2%
 1,878,210      215,046   12.9%      (24,634)    -1.3%    0.2%
 3,751,915      429,575   12.9%      (51,156)    -1.3%    0.3%
62,921,640    7,373,648   13.3%      614,154      1.0%   5.55%

 5,037,006      584,860   13.1%      277,846      5.8%    0.4%
   191,943       21,511   12.6%        3,431      1.8%    0.0%
   667,907       76,450   12.9%      187,706     39.1%    0.1%
 1,255,251      137,635   12.3%      (77,951)    -5.8%    0.1%
 1,343,890      149,321   12.5%     (284,264)   -17.5%    0.1%
   821,031      101,714   14.1%      342,898     71.7%    0.1%
   756,984       98,229   14.9%      106,026     16.3%    0.1%
54,764,620    6,239,886   12.9%   (9,542,343)   -14.8%    4.8%
   671,707      153,525    0.0%      301,067     81.2%    0.1%
   538,672       60,637   12.7%      169,719     46.0%    0.0%
   993,918      174,030   21.2%     (787,404)   -44.2%    0.1%
   221,912       34,253   18.3%       72,243     48.3%    0.0%
 1,757,382       26,050    1.5%      501,487     39.9%    0.2%
   737,515       60,875    9.0%       98,685     15.4%    0.1%
   599,970       20,000    0.0%      515,970      0.0%    0.1%
    17,825          -      0.0%       11,450    179.6%    0.0%
   545,828       59,624   12.3%      (66,136)   -10.8%    0.0%
   741,862       70,294   10.5%      108,829     17.2%    0.1%
   272,267       39,073   16.8%      (44,366)   -14.0%    0.0%
   845,793      121,600    0.0%      (27,857)    -3.2%    0.1%
36,167,569    4,267,507   13.4%   (6,894,587)   -16.0%    3.2%
 1,138,481      183,111   19.2%      (87,223)    -7.1%    0.1%
 4,818,791      516,361   12.0%      425,287      9.7%    0.4%
   660,393       71,488   12.1%     (269,684)   -29.0%    0.1%
   601,228          -      0.0%       34,872      6.2%    0.1%
 3,433,118      381,458   12.5%   (3,604,032)   -51.2%    0.3%
       389          -      0.0%         (663)   -63.0%    0.0%
22,643,261    8,688,894    0.0%   15,000,149    196.3%    2.0%
22,643,261    8,688,894           15,000,149    196.3%    2.0%
    78,249       19,742   33.7%      (55,237)   -41.4%    0.0%
    78,249       19,742   33.7%      (55,237)   -41.4%    0.0%
82,523,136   15,533,382   23.2%    5,680,415      7.4%   7.28%


67,453,054    5,521,393    8.9%   18,650,504    38.2%    6.0%
       -            -      0.0%          -       0.0%    0.0%
29,628,858    4,401,258   17.4%
 4,559,176      156,785    3.6%   (1,034,310)   -18.5%   0.4%
23,800,280          -      0.0%   22,987,346             2.1%
  9,464,740       963,350   11.3%    (9,969,801) -51.3%     0.8%
    332,887           -      0.0%   (60,671,028) -99.5%     0.0%
        -             -      0.0%           -       0.0%    0.0%
                      -      0.0%    (2,509,556) -100.0%    0.0%
   292,931            -      0.0%   (32,219,215) -99.1%     0.0%
                      -      0.0%      (240,928)    0.0%    0.0%
     39,956           -      0.0%   (25,701,329)  -99.8%    0.0%
  4,622,906     1,314,317   39.7%    (1,851,674) -28.6%     0.4%
  2,092,699       150,643    7.8%       346,198    19.8%    0.2%
    230,524       113,807   97.5%        33,072    16.7%    0.0%
 74,732,070     7,100,160   10.5%   (43,492,928) -36.8%     6.6%


220,176,846    30,007,190   15.8%   (37,198,359)   -14.5%   19.4%

913,472,643   101,190,224   -2.7%   52,494,539     6.1%     80.6%
########




  12.83%


            10/31/2009
           31/04/2009

				
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