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ACTIVOS DE ASOCIACIÓN CIBAO CRECEN 12.4% Y CIERRAN EN EN RD$69,495 MILLONES

Publicado por: maximolaureano

 

La Asociación Cibao de Ahorros y Préstamos (ACAP) experimentó en 2021 un crecimiento de 12.4% en sus activos, que cerraron en RD$69,495 millones, RD$7,655 millones más que en el año anterior, en el marco de los objetivos estratégicos de la institución financiera.

La cartera de créditos, caracterizada por un bajo nivel de morosidad y buena salud, creció un 14.7% respecto al 2020 y representó el 53.3% de los activos totales al 31 de diciembre de 2021. La cobertura de provisiones sobre la cartera vencida creció en 40.2%, al pasar de 129.8 % en 2020 a 182.0% en 2021.

De izquierda a derecha, miembros de la Junta de Directores de ACAP que encabezaron la Asamblea- Pablo Espaillat, Rafael Genao, José Luis Ventura y José Vega Batlle.

 

“Durante el año 2021 se concedieron préstamos por RD$15,393 millones, representando un incremento de 49.9 % en relación con los RD$10,270 millones concedidos en el 2020”, resaltó ACAP en su informe financiero presentado en su Asamblea General Ordinaria celebrada recientemente.

Resaltó que el financiamiento a la vivienda significó el 68.3 % de la cartera de créditos bruta, acorde con la naturaleza y los objetivos iniciales de la Asociación cuando se fundó en 1962. Subrayó que el resto de la cartera se dividió en 17.7% para créditos comerciales y en 14% para consumo.

En el resultado de este indicador impactaron directamente el aumento en las captaciones, especialmente en cuentas de ahorros, así como el acceso a las diversas facilidades de liquidez otorgadas por las Autoridades Monetarias y Financieras.

Rafael Genao, presidente de la Junta de Directores de ACAP en la Asamblea General Ordinaria Anual de Asociados.

“Los indicadores favorables de la ACAP antes indicados están soportados por uno de los mejores niveles de respaldo patrimonial, en comparación con otras instituciones del sistema financiero nacional, resultando el índice de solvencia al 31 de diciembre de 2021 en 42.57%, más de cuatro veces el 10%, mínimo establecido en la Ley Monetaria y Financiera”, resaltó.

En cuanto a la generación de ingresos, la ACAP presentó un crecimiento de 193.19% y de 42.65% en las ventas de títulos y de divisas, respectivamente, generando por esas vías RD$264.7 millones en el primer renglón y RD$55.6 millones en el segundo.

Subrayó que otro factor financiero relevante del período fue la autorización de la Superintendencia del Mercado de Valores (SIMV) para la inscripción en el Registro del Mercado de Valores de la segunda emisión de deuda subordinada por un monto de hasta RD$2,500 millones a un plazo máximo de hasta 10 años, pendientes de colocación.

“El aumento de la productividad guió las ejecuciones administrativas, específicamente en los suministros, la gestión de los activos fijos, los seguros y los bienes recibidos en recuperación de créditos y los pagos, con énfasis en la optimización de los controles internos y los reportes financieros”, destaca el informe.

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  142. Here is some apply English talking sheets to get you began. Listed below are some options and sources to get you started. You probably have mates who’re learning to speak English, put aside half-hour each day to speak English collectively. Do ten minutes of grammar exercises. Read your grammar exercises aloud which is able to allow you to be taught to make use of correct grammar when speaking. Use visual dictionaries that can assist you study extra vocabulary sooner. 2. Do everything everyday, but solely do ten to fifteen minutes of the more boring tasks. If you need to improve listening expertise, just listen to the radio fifteen minutes relatively than an hour. Understanding exactly what you need to do with English will help you learn to speak English because you’ll work in the direction of your targets. Do you need to take a class? Begin off by deciding which sort of learning technique you will take.

  146. While colour saturation was relatively good, photographs weren’t as detailed as we’re used to, and a lot of them suffered from a softer focus. While a lot of the identical may very well be said about the Adreno 330 and its graphics efficiency, this is the world during which the average user will possible experience the greatest features. In much the same method that Samsung has maintained a consistent design for its Galaxy S4-era units (the Mega and S4 Mini are prime examples), Sony is utilizing the same design language it introduced with the unique Xperia Z. Actually, at a glance you would assume the 2 had been shut family, apart from the truth that the Ultra clearly acquired a special gene for size. Needless to say, we have been wholly impressed by the Z Extremely’s screen; if Sony plans to make use of the identical tech for smaller smartphones going ahead, we think about it’s going to give different 1080p-bearing handsets a run for his or her cash.

  148. I knew the movie was going to provide me a headache from incessant eyerolling virtually from
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  150. Hi there! Quick question that’s completely off topic. Do you know how to
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  169. In the world of search engine optimization, backlinks are yet a major subject of conversation. concord their importance in 2022 is indispensable for any website looking to boost its ranking and build a mighty online presence.

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  174. Hey just wanted to give you a quick heads up and let you know a few of the
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  181. Please let me know if you’re looking for a writer
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  185. I am within the temper to seem like a patron of a theme park. Everyone seems to be free to look the best way that he wants, provided he’s picked up enough costume items to take action. Critically, does somebody at Funcom have a huge fetish for hideous headwear? I should assume so. And since I’m also a trend junkie, I’m going to choose up the subject and give attention to just those quests that reward you with an item or two that pops into your dressing room. As with many of the head items in this game, I really appreciate the fact that you can see your eyes and head through the gaps as a substitute of TSW simply replacing your head with the merchandise. So to assist any fellow paranoid players out, right here is an inventory of over 20 clothing objects that you will get from quests. Should you desire a plain blue version of the same hoodie, it is yours in case you do the entire Academy quests.

  186. ‘From her early days, Taylor was thinking about how the music business labored,’ says Mark Sutherland, former editor of Music Week, now a London-based mostly freelance journalist. ‘The joke with being a Taylor Swift fan,’ says Zack Hourihane, AKA The Swiftologist, a Singaporean dwelling in New York who has a Swift-devoted YouTube channel and podcast, ‘is that you are feeling like you’re a member of the world’s greatest secret membership.’ An obsessive from early adolescence, he attended a secret listening celebration in 2017 (having signed a 12-web page non-disclosure settlement: no blabbing particulars of the one-on-one conversations Swift gives to all). Taylor Swift performs onstage throughout the 2018 status Stadium Tour at Soldier Field. Worse, these were solely the US exhibits; all her worldwide dates are but to be announced however it’s rumoured she will likely be enjoying UK venues in autumn 2023. Swift took to Instagram: this was ‘excruciating’.

  203. As for the dance-off on her iconic tune “Chaiyya Chaiyya” with the brand new diva and performer Nora Fatehi, Arora claims she did it to neutralise conversations about her insecurities relating to youthful competition, and that she was cool about it. It could be higher if Arora was as honest as the Kardashian sisters, revealing procuring secrets and techniques together with her besties. So it’s that Malaika Arora, former model, MTV VJ and performer, who set hearts racing by matching steps with Shah Rukh Khan atop a practice, has decided to let the digicam into her room in a present referred to as Moving in With Malaika. If anything, the digital camera panning the manufacturers on her dressing desk tempts you to cover your spots, as an alternative of accepting them. Silver-haired male anchors, and even a bespectacled, grouchy and slouchy Karan Johar, don’t have any expiry date, season after season. Malaika even talks about the stretch marks on her stomach and mocks individuals who criticise them, saying she a minimum of birthed a toddler, making motherhood look like a conquest of kinds.

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