NDICE

SESIN 4
CUENTA DE AHORROS Y CUENTA CORRIENTE
1 Estado de una cuenta de ahorros
2 Estado de una cuenta corriente
3 Ejercicio propuesto de cuenta ahorros
4 Ejercicio propuesto de cuenta corriente

Cuenta de Ahorros

Es una modalidad de depsito tanto en moneda nacional como extranjera, orientada a pers
naturales y jurdicas, permite ganar intereses y disponer de los fondos en el momento que se requie
Son depsitos de dinero a la vista efectuados en una cuenta abierta en una empresa del sis
financiero, a nombre de una persona denominada ahorrista. Estos depsitos pueden ser retirados
el ahorrista en cualquier momento. Las empresas del sistema financiero pueden determinar los mo
mnimos a retirar y abonar, los cargos por mantenimiento, as como los montos mximos de retiro
cajeros automticos.

Los saldos de las cuentas se van incrementando a travs de los depsitos o entregas qu
realizan en forma contnua a travs de:
Depsitos en efectivo,
Depsitos en cheque a cargo del mismo banco,
Depsitos en cheque a cargo de otros bancos

ros

omo extranjera, orientada a personas

ondos en el momento que se requiera.
a abierta en una empresa del sistema
stos depsitos pueden ser retirados por
nanciero pueden determinar los montos
como los montos mximos de retiro por

vs de los depsitos o entregas que los clientes

Tipos de Saldos
El saldo de una cuenta est constituido por la suma de las diferentes formas de entrega efectuadas
as como la resta de los retiros efectuados de la misma, pueden ser:

Contable,
Diferido,
Lquido,
Disponible.

Disponibilidad

Se genera de acuerdo al tipo de entrega efectuada:

El efectivo es disponible en forma inmediata (a la vista),
Los cheques del mismo banco podrn ser disponibles en forma inmediata si el girador tiene los fon
suficientes,
Los cheques de otros bancos generan diferidos segn el tiempo que demore el proceso de cobran
48 horas tiles si son del pas
5 a 20 das si son del exterior

os

ntes formas de entrega efectuadas a la cuenta,

ser:

inmediata si el girador tiene los fondos

o que demore el proceso de cobranza:

Estado de Cuenta [Saldo Contable]

Cliente
Mendoza Romero, Irene
Num. Cta. 211- 01 - 0190378
Direccin Jr. Talara 891
Jesus Maria

Fecha
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles

Referencia

Fecha de Cierre
Saldo al 30/04/12
Abono

5/31/2012
1,000.00

Cargo

DCH/OB
DEFE
REFE
REFE

100.00
450.00
0.00
0.00

0.00
0.00
500.00
200.00

DCH/OB

100.00

0.00

DCH/MB
REFE
DEFE
REFE
DCH/OB

100.00
0.00
425.00
0.00
200.00

0.00
300.00
0.00
475.00
0.00

DEFE
REFE
DEFE
DCH/OB
DCH/OB

500.00
0.00
350.00
500.00
700.00

0.00
600.00
0.00
0.00
0.00

DCH/MB

400.00

0.00

REFE
DEFE

0.00
350.00

1,000.00
0.00

REFE

0.00

1,500.00

Saldo
Contable
1,100.00
1,550.00
1,050.00
850.00
850.00
950.00
950.00
950.00
1,050.00
750.00
1,175.00
700.00
900.00
900.00
900.00
1,400.00
800.00
1,150.00
1,650.00
2,350.00
2,350.00
2,350.00
2,750.00
2,750.00
2,750.00
1,750.00
2,100.00
2,100.00
2,100.00
600.00
600.00

ble]

Estado de Cuenta [Saldo Contable]

Cliente
Mendoza Romero, Irene
Num. Cta. 211- 01 - 0190378
Direccin Jr. Talara 891
Jesus Maria

Fecha
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles

Referencia

Fecha de Cierre
Saldo al 30/04/12
Abono

5/31/2012
2,750.00

Cargo

DCH/OB
DEFE
REFE
REFE

100.00
450.00
0.00
0.00

0.00
0.00
500.00
200.00

DCH/OB

100.00

0.00

DCH/MB
REFE
DEFE
REFE
DCH/OB

100.00
0.00
425.00
0.00
200.00

0.00
300.00
0.00
475.00
0.00

DEFE
REFE
DEFE
DCH/OB
DCH/OB

500.00
0.00
350.00
500.00
700.00

0.00
600.00
0.00
0.00
0.00

DCH/MB

400.00

0.00

REFE
DEFE

0.00
350.00

1,000.00
0.00

REFE

0.00

1,500.00

Saldo
Contable
2,850.00
3,300.00
2,800.00
2,600.00
2,600.00
2,700.00
2,700.00
2,700.00
2,800.00
2,500.00
2,925.00
2,450.00
2,650.00
2,650.00
2,650.00
3,150.00
2,550.00
2,900.00
3,400.00
4,100.00
4,100.00
4,100.00
4,500.00
4,500.00
4,500.00
3,500.00
3,850.00
3,850.00
3,850.00
2,350.00
2,350.00

do Contable]

Estado de Cuenta [Saldo Diferido]

Cliente
Num. Cta.
Direccin

Mendoza Romero, Irene

211- 01 - 0190378
Jr. Talara 891
Jesus Maria

Fecha
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles

Referencia

Fecha de Cierre
Saldo al 30/04/12
Abono

31-May-12
200.00

Cargo

DCH/OB
DEFE
REFE
DCH/MB

100.00
450.00
0.00
100.00

0.00
0.00
500.00
0.00

DCH/OB

1,000.00

0.00

DCH/MB
REFE
DEFE
REFE
DCH/OB

250.00
0.00
700.00
0.00
650.00

0.00
300.00
0.00
475.00
0.00

DCH/OB
REFE
DEFE
DCH/OB

120.00
0.00
350.00
100.00

0.00
600.00
0.00
0.00

DCH/MB

820.00

0.00

REFE
DCH/OB

0.00
450.00

1,400.00
0.00

0.00

1,000.00

REFE

Saldo
Contable
300.00
750.00
250.00
350.00
350.00
1,350.00
1,350.00
1,350.00
1,600.00
1,300.00
2,000.00
1,525.00
2,175.00
2,175.00
2,175.00
2,295.00
1,695.00
2,045.00
2,145.00
2,145.00
2,145.00
2,145.00
2,965.00
2,965.00
2,965.00
1,565.00
2,015.00
2,015.00
2,015.00
1,015.00
1,015.00

do Diferido]

Saldo
Diferido
100.00
100.00

1,000.00
1,000.00
1,000.00
1,000.00

650.00
650.00
650.00
770.00
120.00
100.00
100.00
100.00
100.00

450.00
450.00
450.00
450.00

Estado de Cuenta [Saldo Diferido]

Cliente
Mendoza Romero, Irene
Num. Cta. 211- 01 - 0190378
Direccin Jr. Talara 891
Jesus Maria

Fecha
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31

Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles

Referencia

Fecha de Cierre
Saldo al 30/04/12
Abono

Cargo

DCH/OB
DCH/OB
REFE
REFE

100.00
450.00
0.00
0.00

0.00
0.00
500.00
200.00

DCH/OB

5,000.00

0.00

DCH/MB
REFE
DEFE
REFE
DCH/OB

1,000.00
0.00
700.00
650.00

0.00
300.00
0.00
475.00
0.00

DEFE
REFE
DEFE
DCH/OB

500.00
0.00
350.00
500.00

0.00
600.00
0.00
0.00

DCH/MB

820.00

0.00

REFE
DEFE

0.00
350.00

1,400.00
0.00

DCH/OB

400.00

0.00

31-May-12
200.00
Saldo
Contable
300.00
750.00
250.00
50.00
50.00
5,050.00
5,050.00
5,050.00
6,050.00
5,750.00
6,450.00
5,975.00
6,625.00
6,625.00
6,625.00
7,125.00
6,525.00
6,875.00
7,375.00
7,375.00
7,375.00
7,375.00
8,195.00
8,195.00
8,195.00
6,795.00
7,145.00
7,145.00
7,545.00
7,545.00
7,545.00

Saldo
Diferido
100.00
550.00
450.00

5,000.00
5,000.00
5,000.00
5,000.00

650.00
650.00
650.00
650.00

500.00
500.00
500.00
500.00

400.00
400.00

rido]

ESTADO CUENTA DE AHORRO

TEM
TED

5.00%
0.16%

SALDO ANTERIOR AL
Dias

Fecha

Saldo Anterior + Abono - Cargo

8/31/2012
Referencia

Se considera todo DCH/OB o

DCH/Prov, pasa a canje 2 Das
hbiles

1,000.00
Abono

Cargo

Saldo
Contable

Miercoles

9/1/2012

1,000.00

Jueves

9/2/2012 DCH/OB

2,000.00

3,000.00

Viernes

9/3/2012 DCH/OB.

1,500.00

4,500.00

Sbado

9/4/2012

4,500.00

Domingo

9/5/2012

4,500.00

Lunes

9/6/2012 DEFE

Martes

9/7/2012

Mircoles

9/8/2012 DCH/OB.

Jueves

9/9/2012 REFE

Viernes

9/10/2012 DEFE

Viernes

9/10/2012 INTERES

1,000.00

5,500.00
5,500.00

500.00

6,000.00
600.00

5,400.00

1,000.00

6,400.00

51.17

6,451.17

TA DE AHORRO

Liquido + Inters

Se considera todo DCH/OB o

DCH/Prov, pasa a canje 2 Das
hbiles

Contable - Diferido

Liquido x
TED

Saldo
Diferido

Saldo
Liquido

Inters

Contable - Diferido + Inters del dia anteior

Saldo
Disponible

1,000.00

1.63

1,001.63

2,000.00

1,001.63

1.63

1,003.26

3,500.00

1,003.26

1.63

1,004.89

3,500.00

1,004.89

1.64

1,006.53

3,500.00

1,006.53

1.64

1,008.16

1,500.00

4,008.16

6.52

4,014.69

5,514.69

8.98

5,523.66

500.00

5,523.66

8.99

5,532.66

500.00

4,932.66

8.03

4,940.68

6,440.68

10.48

6,451.17

Total de Intereses:

51.17

Contable - Diferido + Suma de intereses de los dias

anteriores
=G14-H14+SUMA($J$11:J13)

ers del dia anteior

ma de intereses de los dias

J13)

ESTADO CUENTA DE AHORRO

TEA
TED

9.90%
0.03%

SALDO AL

31-Oct-11

Saldo Contable - Saldo Diferido

Saldo Contable - Saldo Diferido + I

8,000.00

Saldo Contable - Saldo Diferido + S

Dias

Fecha

Referencia

Abono

Cargo

3,900.00

Saldo
Contable

Saldo
Diferido

Miercoles

1-Nov-11 DCH/PROV

Jueves

2-Nov-11 REF

Viernes

3-Nov-11

5,900.00

Sbado

4-Nov-11

5,900.00

Domingo

5-Nov-11

5,900.00

Lunes

6-Nov-11 DCH/PROV

Martes

7-Nov-11 REF

Mircoles

8-Nov-11

Jueves

9-Nov-11 DCH/PROV

8,000.00

13,910.00

8,000.00

Viernes

10-Nov-11 DEF

6,500.00

20,410.00

8,000.00

Sbado

11-Nov-11

20,410.00

8,000.00

Domingo

12-Nov-11

20,410.00

8,000.00

Lunes

13-Nov-11

20,410.00

Martes

14-Nov-11 DCH/OB

Mircoles

15-Nov-11 REF

Jueves

16-Nov-11

12,784.00

Viernes

17-Nov-11

12,784.00

Sbado

18-Nov-11

12,784.00

Domingo

19-Nov-11

12,784.00

Lunes

20-Nov-11 DCH/PROV

Martes

21-Nov-11

Mircoles

22-Nov-11 DEF

Jueves

23-Nov-11 REF

Viernes

24-Nov-11 DEF

Sbado

25-Nov-11

119,844.00

Domingo

26-Nov-11

119,844.00

Lunes

27-Nov-11 DEF

Martes

28-Nov-11 REF

Mircoles

29-Nov-11

Jueves

30-Nov-11 DEF

6,000.00

1,100.00
1,090.00

11,900.00

3,900.00

5,900.00

3,900.00

7,000.00

1,100.00

5,910.00

1,100.00

5,910.00

2,000.00
9,626.00

22,410.00

2,000.00

12,784.00

2,000.00

78,000.00

90,784.00

78,000.00

90,784.00

78,000.00

20,060.00

110,844.00
1,000.00

10,000.00

109,844.00
119,844.00

8,000.00

127,844.00
153.00

127,691.00
127,691.00

48,000.00

175,691.00

176,046.88

ORRO

Saldo Contable - Saldo Diferido

Saldo Contable - Saldo Diferido + Inters del da anterior

Saldo Contable - Saldo Diferido + Suma desde Inters del Primer da hasta Inters del da anterior
=G17-H17+SUMA($J$15:J16)
Saldo
Liquido

Inters

Saldo
Disponible

Dias

8,000.00

2.10

8,002.10

Miercoles

1-Nov-11

DCH/PROV

2,002.10

0.53

2,002.62

Jueves

2-Nov-11

REF

5,902.62

1.55

5,904.17

Viernes

3-Nov-11

5,904.17

1.55

5,905.72

Sbado

4-Nov-11

5,905.72

1.55

5,907.27

Domingo

5-Nov-11

5,907.27

1.55

5,908.82

Lunes

6-Nov-11

DCH/PROV

4,818.82

1.26

4,820.08

Martes

7-Nov-11

REF

5,920.08

1.55

5,921.63

Mircoles

8-Nov-11

5,921.63

1.55

5,923.19

Jueves

9-Nov-11

12,423.19

3.26

12,426.45

Viernes

10-Nov-11 DEF

12,426.45

3.26

12,429.70

Sbado

11-Nov-11

12,429.70

3.26

12,432.96

Domingo

12-Nov-11

20,432.96

5.36

20,438.32

Lunes

13-Nov-11

20,438.32

5.36

20,443.68

Martes

14-Nov-11 DCH/OB

10,817.68

2.84

10,820.52

Mircoles

15-Nov-11 REF

12,820.52

3.36

12,823.88

Jueves

16-Nov-11

12,823.88

3.36

12,827.25

Viernes

17-Nov-11

12,827.25

3.36

12,830.61

Sbado

18-Nov-11

12,830.61

3.36

12,833.97

Domingo

19-Nov-11

12,833.97

3.37

12,837.34

Lunes

20-Nov-11 DCH/PROV

Fecha

Referencia

DCH/PROV

12,837.34

3.37

12,840.71

Martes

21-Nov-11

110,900.71

29.08

110,929.79

Mircoles

22-Nov-11 DEF

109,929.79

28.83

109,958.62

Jueves

23-Nov-11 REF

119,958.62

31.46

119,990.08

Viernes

24-Nov-11 DEF

119,990.08

31.47

120,021.55

Sbado

25-Nov-11

120,021.55

31.48

120,053.03

Domingo

26-Nov-11

128,053.03

33.58

128,086.61

Lunes

27-Nov-11 DEF

127,933.61

33.55

127,967.16

Martes

28-Nov-11 REF

127,967.16

33.56

128,000.72

Mircoles

29-Nov-11

176,000.72

46.16

176,046.88

Jueves

30-Nov-11 DEF

Abono
3,900.00

1,100.00

8,000.00
6,500.00

2,000.00

78,000.00
20,060.00
10,000.00

8,000.00

48,000.00

355.88

Cargo

6,000.00

1,090.00

Saldo
Contable

Saldo
Diferido

153.00

Saldo
Disponible

3,900.00

8,000.00

2.10

8,002.10

5,900.00

3,900.00

2,002.10

0.53

2,002.62

5,900.00

5,902.62

1.55

5,904.17

5,900.00

5,904.17

1.55

5,905.72

5,900.00

5,905.72

1.55

5,907.27

7,000.00

1,100.00

5,907.27

1.55

5,908.82

5,910.00

1,100.00

4,818.82

1.26

4,820.08

5,920.08

1.55

5,921.63

13,910.00

8,000.00

5,921.63

1.55

5,923.19

20,410.00

8,000.00

12,423.19

3.26

12,426.45

20,410.00

8,000.00

12,426.45

3.26

12,429.70

20,410.00

8,000.00

12,429.70

3.26

12,432.96

20,432.96

5.36

20,438.32

20,410.00

1,000.00

Inters

11,900.00

5,910.00

9,626.00

Saldo
Liquido

22,410.00

2,000.00

20,438.32

5.36

20,443.68

12,784.00

2,000.00

10,817.68

2.84

10,820.52

12,784.00

12,820.52

3.36

12,823.88

12,784.00

12,823.88

3.36

12,827.25

12,784.00

12,827.25

3.36

12,830.61

12,784.00

12,830.61

3.36

12,833.97

12,833.97

3.37

12,837.34

90,784.00

78,000.00

90,784.00

78,000.00

12,837.34

3.37

12,840.71

110,844.00

110,900.71

29.08

110,929.79

109,844.00

109,929.79

28.83

109,958.62

119,844.00

119,958.62

31.46

119,990.08

119,844.00

119,990.08

31.47

120,021.55

119,844.00

120,021.55

31.48

120,053.03

127,844.00

128,053.03

33.58

128,086.61

127,691.00

127,933.61

33.55

127,967.16

127,691.00

127,967.16

33.56

128,000.72

175,691.00

176,000.72

46.16

176,046.88

176,046.88

355.88

ESTADO DE CUENTA CORRIENTE

Compensatorio
TEA

15.00%

TED

0.0388%

Saldo Anterior al
Das

Moratorio
TEA
TED

31-Jan-12
Fecha

Trans.

Miercoles

1-Feb-12

Jueves

2-Feb-12

DCH/PROV

Viernes

3-Feb-12

CH/PAG

Sbado

Lnea de Crdito

40.00%
0.0935%

25,000.00
Abono

1) =Saldo Contable-Saldo Dife

2) =Saldo Contable-Saldo Diferido+SUMA(J13:K13)
3) =Saldo Contable-Saldo Diferido+SUMA($J$13:K14)

Cargo

Saldo
Contable

Saldo
Diferido

25,000.00
18,000.00

43,000.00

18,000.00

-7,000.00

18,000.00

4-Feb-12

-7,000.00

18,000.00

Domingo

5-Feb-12

-7,000.00

18,000.00

Lunes

6-Feb-12

Martes

7-Feb-12

Mircoles

8-Feb-12

CH/PAG

26,000.00

-14,400.00

Jueves

9-Feb-12

CH/PAG

6,000.00

-20,400.00

Viernes

10-Feb-12 DEFE

Sbado

11-Feb-12

-17,900.00

Domingo

12-Feb-12

-17,900.00

Lunes

13-Feb-12

-17,900.00

Martes

14-Feb-12

-17,900.00

Mircoles

15-Feb-12 DEFE

Jueves

16-Feb-12 DCH/OB

Viernes

DEF

50,000.00

18,600.00

11,600.00
11,600.00

2,500.00

-17,900.00

1,000.00

-16,900.00

12,000.00

-4,900.00

12,000.00

17-Feb-12

-4,900.00

12,000.00

Sbado

18-Feb-12

-4,900.00

12,000.00

Domingo

19-Feb-12

-4,900.00

12,000.00

Lunes

20-Feb-12 DCH/OB

100.00

5,000.00

Martes

21-Feb-12

100.00

5,000.00

Mircoles

22-Feb-12 DEFE

Jueves

23-Feb-12 CH/PAG

Viernes

24-Feb-12 DEFE

Sbado

25-Feb-12

-20,600.00

Domingo

26-Feb-12

-20,600.00

Lunes

27-Feb-12 CH/PAG

Martes

28-Feb-12 DEFE

Trans.
Miercoles
Jueves

5,000.00
1,000.00
3,800.00

40,000.00

Abono

-24,400.00
-20,600.00

26,000.00

31-Dec-99
1-Jan-00

1,100.00
25,500.00

-46,600.00
-6,600.00

Cargo

Saldo
Contable

Saldo
Diferido

25,000.00
DCH/PROV

18,000.00

43,000.00

18,000.00

Viernes

2-Jan-00

Sbado

CH/PAG

50,000.00

-7,000.00

18,000.00

3-Jan-00

-7,000.00

18,000.00

Domingo

4-Jan-00

-7,000.00

18,000.00

Lunes

5-Jan-00

Martes

6-Jan-00

Mircoles

7-Jan-00

CH/PAG

26,000.00

-14,400.00

Jueves

8-Jan-00

CH/PAG

6,000.00

-20,400.00

Viernes

9-Jan-00

DEFE

Sbado

10-Jan-00

-17,900.00

Domingo

11-Jan-00

-17,900.00

Lunes

12-Jan-00

-17,900.00

Martes

13-Jan-00

-17,900.00

Mircoles

14-Jan-00

DEFE

Jueves

15-Jan-00

DCH/OB

Viernes

DEF

18,600.00

11,600.00
11,600.00

2,500.00

-17,900.00

1,000.00

-16,900.00

12,000.00

-4,900.00

12,000.00

16-Jan-00

-4,900.00

12,000.00

Sbado

17-Jan-00

-4,900.00

12,000.00

Domingo

18-Jan-00

-4,900.00

12,000.00

Lunes

19-Jan-00

100.00

5,000.00

Martes

20-Jan-00

100.00

5,000.00

Mircoles

21-Jan-00

DEFE

Jueves

22-Jan-00

CH/PAG

Viernes

23-Jan-00

DEFE

Sbado

24-Jan-00

Domingo

25-Jan-00

Lunes

26-Jan-00

CH/PAG

Martes

27-Jan-00

DEFE

DCH/OB

5,000.00
1,000.00

1,100.00
25,500.00

3,800.00

-24,400.00
-20,600.00
-20,600.00
-20,600.00

26,000.00
40,000.00

-46,600.00
-6,600.00

=SI(I13+$J$6<0,(I13+$J$6)*$F$7,0)

RRIENTE

Lnea de Crdito

e
erido+SUMA(J13:K13)
erido+SUMA($J$13:K14)

Saldo
Lquido

10,000.00

31-Jan-12

=SI(I13<0,I13*$C$7,0)

Inters
Compensatorio

=Liquido+Compensatorio+Moratorio+$J$6

Inters
Moratorio

Saldo
Disponible

25,000.00

0.00

0.00

35,000.00

25,000.00

0.00

0.00

35,000.00

-25,000.00

-9.71

-14.03

-15,023.73

-25,023.73

-9.72

-14.05

-15,047.50

-25,047.50

-9.73

-14.07

-15,071.30

11,528.70

0.00

0.00

21,528.70

11,528.70

0.00

0.00

21,528.70

-14,471.30

-5.62

-4.18

-4,481.10

-20,481.10

-7.95

-9.80

-10,498.85

-17,998.85

-6.99

-7.48

-8,013.32

-18,013.32

-6.99

-7.49

-8,027.81

-18,027.81

-7.00

-7.51

-8,042.31

-18,042.31

-7.01

-7.52

-8,056.84

-18,056.84

-7.01

-7.53

-8,071.38

-17,071.38

-6.63

-6.61

-7,084.63

-17,084.63

-6.63

-6.62

-7,097.88

-17,097.88

-6.64

-6.64

-7,111.16

-17,111.16

-6.64

-6.65

-7,124.45

-17,124.45

-6.65

-6.66

-7,137.77

-5,137.77

-2.00

0.00

4,860.24

-5,139.76

-2.00

0.00

4,858.24

858.24

0.00

0.00

10,858.24

-24,641.76

-9.57

-13.69

-14,665.02

-20,865.02

-8.10

-10.16

-10,883.28

-20,883.28

-8.11

-10.18

-10,901.56

-20,901.56

-8.12

-10.19

-10,919.87

-46,919.87

-18.22

-34.52

-36,972.62

-6,972.62

-2.71

0.00

3,024.68

-169.73

-205.59

Saldo
Lquido

Inters
Compensatorio

Inters
Moratorio

Saldo
Disponible

25,000.00

0.00

0.00

35,000.00

25,000.00

0.00

0.00

35,000.00

-25,000.00

-9.71

-14.03

-15,023.73

-25,023.73

-9.72

-14.05

-15,047.50

-25,047.50

-9.73

-14.07

-15,071.30

11,528.70

0.00

0.00

21,528.70

11,528.70

0.00

0.00

21,528.70

-14,471.30

-5.62

-4.18

-4,481.10

-20,481.10

-7.95

-9.80

-10,498.85

-17,998.85

-6.99

-7.48

-8,013.32

-18,013.32

-6.99

-7.49

-8,027.81

-18,027.81

-7.00

-7.51

-8,042.31

-18,042.31

-7.01

-7.52

-8,056.84

-18,056.84

-7.01

-7.53

-8,071.38

-17,071.38

-6.63

-6.61

-7,084.63

-17,084.63

-6.63

-6.62

-7,097.88

-17,097.88

-6.64

-6.64

-7,111.16

-17,111.16

-6.64

-6.65

-7,124.45

-17,124.45

-6.65

-6.66

-7,137.77

-5,137.77

-2.00

0.00

4,860.24

-5,139.76

-2.00

0.00

4,858.24

858.24

0.00

0.00

10,858.24

-24,641.76

-9.57

-13.69

-14,665.02

-20,865.02

-8.10

-10.16

-10,883.28

-20,883.28

-8.11

-10.18

-10,901.56

-20,901.56

-8.12

-10.19

-10,919.87

-46,919.87

-18.22

-34.52

-36,972.62

-6,972.62

-2.71

0.00

3,024.68

-169.73

-126.98

ESTADO DE CUENTA CORRIENTE

Tasa de inters compensatoria

Tasa de inters moratoria

TEA
TED

TEA
TED

55.000%
0.122%

35.000%
0.083%

Lnea de crdito

5,500.00

3/30/2011

Saldo Anterior al

8,000.00

3/31/2011

Das
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo
Lunes
Martes
Mircoles
Jueves
Viernes
Sbado
Domingo

Fecha
4/1/2011
4/2/2011
4/3/2011
4/4/2011
4/5/2011
4/6/2011
4/7/2011
4/8/2011
4/9/2011
4/10/2011
4/11/2011
4/12/2011
4/13/2011
4/14/2011
4/15/2011
4/16/2011
4/17/2011
4/18/2011
4/19/2011
4/20/2011
4/21/2011
4/22/2011
4/23/2011
4/24/2011
4/25/2011
4/26/2011
4/27/2011
4/28/2011
4/29/2011
4/30/2011
5/1/2011

Transaccin
DCH/PROV

DEFE

Abono

Cargo

20,000.00

9,000.00

CH/PAG

18,000.00

CH/PAG
DEFE

2,800.00
2,500.00

REFE

DCH/OB

DCH/MB - REFE

3,000.00

10,000.00

5,000.00

REFE

DEFE

3,500.00

17,000.00

23,200.00

Saldo
contable
-8,000.00
12,000.00
12,000.00
12,000.00
12,000.00
21,000.00
21,000.00
3,000.00
3,000.00
3,000.00
200.00
2,700.00
2,700.00
2,700.00
-300.00
-300.00
-300.00
9,700.00
9,700.00
9,700.00
9,700.00
9,700.00
11,200.00
11,200.00
11,200.00
-5,800.00
-5,800.00
-5,800.00
-5,800.00
17,400.00
17,400.00
Total de intereses

Saldo
diferido
0.00
20,000.00
20,000.00
20,000.00
20,000.00

10,000.00
10,000.00

Total de intereses

Saldo lquido
-8,000.00
-8,011.83
-8,023.68
-8,035.56
-8,047.47
20,940.61
20,940.61
2,940.61
2,940.61
2,940.61
140.61
2,640.61
2,640.61
2,640.61
-359.39
-359.83
-360.27
-360.71
-361.15
9,638.41
9,638.41
9,638.41
11,138.41
11,138.41
11,138.41
-5,861.59
-5,869.03
-5,876.49
-5,883.96
17,308.55
17,308.55

Inters
compensatorio

Inters
moratorio

Saldo
disponible

-9.74
-9.76
-9.77
-9.79
-9.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-0.44
-0.44
-0.44
-0.44
-0.44
0.00
0.00
0.00
0.00
0.00
0.00
-7.14
-7.15
-7.16
-7.17
0.00
0.00
-79.68

-2.08
-2.09
-2.10
-2.11
-2.12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-0.30
-0.31
-0.31
-0.32
0.00
0.00
-11.77

-2,511.83
-2,523.68
-2,535.56
-2,547.47
-2,559.39
26,440.61
26,440.61
8,440.61
8,440.61
8,440.61
5,640.61
8,140.61
8,140.61
8,140.61
5,140.17
5,139.73
5,139.29
5,138.85
5,138.41
15,138.41
15,138.41
15,138.41
16,638.41
16,638.41
16,638.41
-369.03
-376.49
-383.96
-391.45
22,808.55
22,808.55

Saldo
contable
-8,000.00
12,000.00
12,000.00
12,000.00
12,000.00
21,000.00
21,000.00
3,000.00
3,000.00
3,000.00
200.00
2,700.00
2,700.00
2,700.00
-300.00
-300.00
-300.00
9,700.00
9,700.00
9,700.00
9,700.00
9,700.00
11,200.00
11,200.00
11,200.00
-5,800.00
-5,800.00
-5,800.00
-5,800.00
17,400.00
17,400.00
Total de intereses

Saldo
Diferido
20,000.00
20,000.00
20,000.00
20,000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
10,000.00
10,000.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total de intereses

Slado
Liquido
-8,000.00
-8,011.83
-8,023.68
-8,035.56
-8,047.47
20,940.61
20,940.61
2,940.61
2,940.61
2,940.61
140.61
2,640.61
2,640.61
2,640.61
-359.39
-359.83
-360.27
-360.71
-361.15
9,638.41
9,638.41
9,638.41
11,138.41
11,138.41
11,138.41
-5,861.59
-5,869.03
-5,876.49
-5,883.96
17,308.55
17,308.55

Inters
Compensatorio
-9.74
-9.76
-9.77
-9.79
-9.80
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-0.44
-0.44
-0.44
-0.44
-0.44
0.00
0.00
0.00
0.00
0.00
0.00
-7.14
-7.15
-7.16
-7.17
0.00
0.00
-79.68

Inters
Moratorio
-2.08
-2.09
-2.10
-2.11
-2.12
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-0.30
-0.31
-0.31
-0.32
0.00
0.00
-11.77

Saldo
Disponible
-2,511.83
-2,523.68
-2,535.56
-2,547.47
-2,559.39
26,440.61
26,440.61
8,440.61
8,440.61
8,440.61
5,640.61
8,140.61
8,140.61
8,140.61
5,140.17
5,139.73
5,139.29
5,138.85
5,138.41
15,138.41
15,138.41
15,138.41
16,638.41
16,638.41
16,638.41
-369.03
-376.49
-383.96
-391.45
22,808.55
22,808.55