BANISTMO

Earnings (Beneficio y Rentabilidad)

CASCADA DE RESULTADOS

(Cifras en Millones de Córdobas)

Estrato de Comparacion

SUBSISTEMA BANCARIO

TOTAL SISTEMA

ESTADOS DE RESULTADOS

Dic-00

Ene-01

Feb-01

Mar-01

Abr-01

May-01

Jun-01

Jul-01

Ago-01

Sep-01

Oct-01

Nov-01

Dic-01

Ene-02

Feb-02

Mar-02

Abr-02

May-02

Jun-02

Jul-02

Ago-02

Sep-02

Oct-02

Nov-02

Dic-02

Ene-03

Feb-03

Mar-03

Abr-03

May-03

Jun-03

Jul-03

Ago-03

Sep-03

Oct-03

Nov-03

Dic-03

Ene-04

Feb-04

Mar-04

Abr-04

May-04

Jun-04

Jul-04

Ago-04

Sep-04

Oct-04

Nov-04

Dic-04

Ene-05

Feb-05

Mar-05

Abr-05

May-05

Jun-05

Jul-05

Ago-05

Sep-05

Oct-05

Nov-05

Dic-05

Ene-06

Feb-06

Mar-06

Abr-06

May-06

Jun-06

Jul-06

Ago-06

Sep-06

Oct-06

Nov-06

Dic-06

Ene-07

INGRESOS FINANCIEROS

0.00

0.31

0.55

1.08

1.51

2.41

3.22

4.04

5.34

6.56

8.43

10.07

12.89

2.79

5.50

9.31

13.78

18.44

23.62

28.69

34.13

40.02

46.91

53.64

61.80

6.65

516.60

571.35

GASTOS FINANCIEROS

0.00

0.01

0.03

0.10

0.18

0.28

0.39

0.51

0.79

1.12

1.73

1.05

2.13

3.30

4.84

6.76

8.75

11.06

13.69

16.11

18.85

21.96

25.27

3.17

161.48

178.64

RESULTADOS FINANCIEROS ANTES DE AJUSTES MONETARIO

0.00

0.31

0.55

1.07

1.48

2.31

3.04

3.76

4.95

6.05

7.64

8.95

11.16

1.74

3.37

6.01

8.93

11.68

14.87

17.63

20.45

23.91

28.06

31.67

36.53

3.48

355.11

392.71

INGRESOS P/ AJUSTES MONETARIOS

0.00

0.56

1.09

1.82

2.41

3.16

4.14

4.74

5.47

6.16

7.02

7.92

10.23

1.50

3.02

4.75

6.63

8.92

11.28

14.20

16.95

20.00

23.78

26.85

30.83

3.35

188.64

201.59

GASTOS P/ AJUSTES MONETARIOS

0.00

-0.04

0.00

0.13

0.18

0.40

0.85

0.92

1.11

1.29

1.60

1.98

3.76

0.96

1.99

3.08

3.96

5.22

6.58

8.45

10.17

12.19

14.88

16.92

19.81

2.25

175.77

185.45

RESULTADO FINANCIERO BRUTO

0.00

0.91

1.64

2.76

3.71

5.07

6.33

7.58

9.31

10.92

13.06

14.89

17.63

2.28

4.40

7.68

11.60

15.38

19.57

23.37

27.23

31.72

36.95

41.60

47.55

4.58

367.99

408.85

INGRESOS P/ RECUPERACIONES DE ACTIVOS FINANC

0.00

0.05

0.00

13.16

13.92

GTOS P/INCOB.Y DESVALORIZACION DE ACTIVOS FINAC.

0.00

0.49

0.76

0.87

1.10

1.35

1.80

1.89

3.07

0.13

1.20

1.62

1.94

2.43

2.77

2.78

2.79

4.08

4.13

4.74

0.00

54.33

62.60

RESULTADO FINANCIERO NETO

0.00

0.91

1.64

2.26

3.21

4.31

5.46

6.71

8.21

9.57

11.26

13.00

14.56

2.15

4.32

6.53

10.03

13.48

17.19

20.65

24.50

28.98

32.93

37.53

42.86

4.58

326.82

360.16

INGRESOS OPERATIVOS DIVERSOS

0.00

0.01

0.04

0.08

0.14

0.37

0.27

0.31

0.37

0.05

0.17

0.74

1.14

1.39

1.47

1.54

1.61

1.67

1.79

1.90

2.01

0.19

133.38

139.53

GASTOS OPERATIVOS DIVERSOS

0.00

0.01

0.02

0.03

0.14

0.15

0.19

0.23

0.27

0.32

0.34

0.36

0.03

0.11

0.49

0.78

1.00

1.07

1.14

1.16

1.19

1.27

1.34

1.38

0.11

39.78

41.29

RESULTADO OPERATIVO BRUTO

0.00

0.91

1.63

2.25

3.19

4.18

5.34

6.60

8.12

9.67

11.21

12.97

14.57

2.17

4.38

6.78

10.39

13.87

17.59

21.06

24.95

29.46

33.45

38.09

43.49

4.66

420.42

458.40

GASTOS DE ADMINISTRACION

0.00

1.92

4.38

6.39

8.87

11.23

13.66

16.25

18.89

21.39

23.73

26.02

28.60

2.10

4.22

6.39

8.57

10.82

13.16

15.75

18.34

21.03

23.58

26.24

28.91

2.68

250.04

274.53

RESULTADO OPERAT. ANTES DE IR Y CONTRIB. POR LEYES 316

0.00

-1.01

-2.75

-4.14

-5.68

-7.05

-8.31

-9.65

-10.77

-11.72

-12.52

-13.05

-14.03

0.07

0.16

0.39

1.82

3.05

4.44

5.30

6.61

8.43

9.86

11.84

14.58

1.98

170.37

183.88

CONTRIBUCIÓN POR LEYES 316 Y 371

0.00

0.29

0.33

0.36

0.46

0.55

0.65

0.92

1.20

1.47

1.66

1.85

1.92

0.02

0.05

0.07

0.10

0.12

0.14

0.17

0.19

0.21

0.24

0.26

0.29

0.07

13.67

14.04

GASTOS POR I.R.

0.00

38.59

41.53

RESULTADO OPERAT. DESP. DE IR Y CONTRIBUC. POR LEYES 31

0.00

-1.30

-3.08

-4.50

-6.14

-7.60

-8.96

-10.57

-11.97

-13.19

-14.18

-14.90

-15.95

0.05

0.11

0.32

1.72

2.93

4.29

5.14

6.42

8.21

9.63

11.58

14.29

1.90

118.11

128.31

INGRESOS EP/TRAORDINARIOS

0.00

0.09

0.10

GASTOS EXTRAORDINARIOS

0.00

6.05

6.41

RESULTADO NETO DEL PERIODO

0.00

-1.30

-3.08

-4.50

-6.14

-7.60

-8.96

-10.57

-11.97

-13.19

-14.18

-14.90

-15.95

0.05

0.11

0.32

1.72

2.93

4.29

5.14

6.42

8.21

9.63

11.58

14.29

1.90

112.14

122.00

CASCADA DE RESULTADOS

(Cifras en % ATP)

Estrato de Comparacion

ESTADOS DE RESULTADOS / ACTIVOS PROMEDIO DE BANISTMO

SUBSISTEMA BANCARIO

TOTAL SISTEMA

ESTADOS DE RESULTADOS

Dic-00

Ene-01

Feb-01

Mar-01

Abr-01

May-01

Jun-01

Jul-01

Ago-01

Sep-01

Oct-01

Nov-01

Dic-01

Ene-02

Feb-02

Mar-02

Abr-02

May-02

Jun-02

Jul-02

Ago-02

Sep-02

Oct-02

Nov-02

Dic-02

Ene-03

Feb-03

Mar-03

Abr-03

May-03

Jun-03

Jul-03

Ago-03

Sep-03

Oct-03

Nov-03

Dic-03

Ene-04

Feb-04

Mar-04

Abr-04

May-04

Jun-04

Jul-04

Ago-04

Sep-04

Oct-04

Nov-04

Dic-04

Ene-05

Feb-05

Mar-05

Abr-05

May-05

Jun-05

Jul-05

Ago-05

Sep-05

Oct-05

Nov-05

Dic-05

Ene-06

Feb-06

Mar-06

Abr-06

May-06

Jun-06

Jul-06

Ago-06

Sep-06

Oct-06

Nov-06

Dic-06

Ene-07

INGRESOS FINANCIEROS

0.00%

4.67%

3.10%

3.52%

3.42%

4.09%

4.37%

4.58%

5.16%

5.45%

6.05%

6.33%

6.82%

8.94%

8.64%

8.95%

9.28%

9.41%

9.55%

9.51%

9.55%

9.68%

9.75%

9.82%

10.04%

9.37%

11.80%

12.41%

INGRESOS FINANC. P/ DISPONIBILIDADES

0.00%

4.67%

3.10%

2.24%

1.46%

1.13%

0.09%

0.12%

0.22%

0.24%

0.23%

0.21%

0.16%

0.19%

0.20%

0.19%

0.17%

0.18%

0.19%

0.18%

0.17%

0.13%

0.19%

INGRESOS FINANC. P/ Invers. Temp.

0.00%

0.16%

0.51%

0.62%

1.47%

1.34%

1.14%

0.98%

0.85%

0.74%

0.62%

0.00%

0.01%

0.04%

0.06%

0.08%

0.07%

0.06%

INGRESOS FINANC. X Invers. Permanent.

0.00%

1.66%

0.11%

0.17%

0.21%

0.25%

0.27%

0.28%

0.27%

0.22%

0.24%

0.21%

0.22%

0.23%

0.31%

0.28%

0.26%

0.24%

0.22%

0.21%

0.02%

2.00%

1.90%

INGRESOS FINANC. P/ CREDITOS Ctes.

0.00%

1.12%

1.45%

0.68%

2.70%

2.96%

3.34%

3.70%

4.31%

4.74%

5.41%

8.53%

8.22%

8.06%

8.40%

8.57%

8.69%

8.72%

8.78%

8.88%

8.92%

8.95%

9.14%

9.07%

9.17%

9.71%

INGRESOS FINANC P/CRED VENCIDOS Y EN COB JUDICIAL

0.00%

0.02%

0.01%

0.00%

0.19%

0.33%

INGRESOS FINANC P/OTRAS CTAS P/COBRAR

0.00%

INGRESOS FINANC CON OFIC CENTRAL Y SUC

0.00%

OTROS INGRESOS FINANCIEROS

0.00%

0.25%

0.27%

0.39%

0.35%

0.30%

0.00%

0.48%

0.44%

0.40%

0.35%

0.29%

0.26%

0.29%

0.33%

0.39%

0.44%

0.09%

0.18%

0.21%

GASTOS FINANCIEROS

0.00%

0.01%

0.04%

0.07%

0.18%

0.25%

0.32%

0.38%

0.42%

0.57%

0.70%

0.91%

3.37%

3.35%

3.17%

3.26%

3.45%

3.54%

3.67%

3.83%

3.90%

3.92%

4.02%

4.11%

4.47%

3.69%

3.88%

GASTOS FINANC. P/ OBLIG. CON EL PUBLICO

0.00%

0.01%

0.04%

0.07%

0.10%

0.11%

0.15%

0.17%

0.19%

0.21%

0.16%

0.28%

0.31%

0.32%

0.34%

0.36%

0.39%

0.40%

0.42%

0.44%

0.45%

0.52%

2.59%

2.53%

GASTOS P/ AJUSTES MONETARIOS

0.00%

-0.55%

0.00%

0.42%

0.67%

1.16%

1.04%

1.07%

1.15%

1.25%

1.99%

3.08%

3.13%

2.96%

2.67%

2.66%

2.80%

2.85%

2.95%

3.09%

3.10%

3.22%

3.17%

4.02%

4.03%

GTOS P/ AJUST MONET P/ OBLIG CON EL PUBLICO

0.00%

0.01%

0.20%

0.34%

0.36%

0.45%

0.49%

0.44%

0.45%

0.48%

0.52%

0.55%

0.78%

0.48%

0.61%

0.49%

0.34%

0.38%

0.43%

0.49%

0.52%

0.65%

0.82%

0.81%

0.84%

0.57%

3.28%

3.17%

GTOS P/AJUS MONET P/OBL CON INS FINAN Y P/OTROS FI

0.00%

0.14%

0.25%

0.95%

2.40%

2.12%

1.95%

1.93%

1.92%

2.03%

2.06%

2.16%

2.45%

0.66%

0.78%

GTOS P/AJUST. MONETARIOS P/OBLIG. CON EL BCN

0.00%

0.06%

0.12%

0.16%

0.18%

0.21%

0.22%

0.23%

0.22%

0.19%

0.17%

0.18%

0.19%

0.18%

0.17%

0.16%

0.07%

0.00%

GTOS P/AJUSTES MONETARIOS P/ OTRAS CTAS.P/

0.00%

-0.56%

-0.21%

0.07%

0.05%

0.02%

0.06%

0.04%

0.03%

0.00%

0.02%

0.01%

0.00%

0.01%

0.03%

GASTOS P/ AJUSTES MONETARIOS P/ OTROS PASIVOS

0.00%

0.15%

0.54%

0.43%

0.41%

0.32%

0.24%

0.18%

0.02%

0.00%

0.22%

0.34%

0.21%

0.16%

0.12%

0.09%

0.10%

0.08%

0.06%

0.05%

0.07%

0.02%

GTOS P/AJUSTES MONETARIOS P/OBLIG. SUBORDINADAS

0.00%

0.01%

GTOS P/AJUST.MONETAR. P/OBLIG.CONVERTIB.EN CAPITAL

0.00%

0.01%

RESULTADO FINANCIERO BRUTO

0.00%

13.58%

9.17%

8.99%

8.43%

8.60%

8.58%

9.00%

9.07%

9.38%

9.37%

9.32%

7.31%

6.91%

7.39%

7.81%

7.85%

7.91%

7.75%

7.62%

7.67%

7.68%

7.62%

7.72%

6.45%

8.41%

8.88%

INGRESOS P/ RECUPERACIONES DE ACTIVOS FINANC

0.00%

0.08%

0.05%

0.03%

0.02%

0.01%

0.00%

0.30%

RECUPERACIONES DE ACTIVOS FINANC SANEADOS

0.00%

0.24%

0.25%

DISM. DE PROVISIONES P/ DESVAL. DE INVERS. FINAN.

0.00%

0.01%

DISM DE PROVIS P/ INCOBRAB DE CRED Y OT CTAS P/COB

0.00%

0.08%

0.05%

0.03%

0.02%

0.01%

0.00%

0.04%

GTOS P/INCOB.Y DESVALORIZACION DE ACTIVOS FINAC.

0.00%

1.61%

1.12%

1.30%

1.18%

0.99%

1.06%

1.12%

1.29%

1.19%

1.62%

0.42%

0.20%

1.15%

1.09%

0.99%

0.98%

0.92%

0.78%

0.68%

0.85%

0.76%

0.77%

0.00%

1.24%

1.36%

GASTOS P/ DESVALORIZACION DE INVERS. FINANCIERAS

0.00%

1.27%

0.00%

0.02%

GTOS P/INCOBRABILIDAD DE CRED. Y OTRAS CTAS P/COB.

0.00%

1.61%

1.12%

1.30%

1.18%

0.99%

1.06%

1.12%

0.03%

1.19%

1.62%

0.42%

0.20%

1.15%

1.09%

0.99%

0.98%

0.92%

0.78%

0.68%

0.85%

0.76%

0.77%

0.00%

1.05%

1.14%

GASTOS P/ SANEAMIENTO DE INGRESOS Financ.S

0.00%

0.17%

0.20%

RESULTADO FINANCIERO NETO

0.00%

13.58%

9.17%

7.38%

7.31%

7.30%

7.42%

7.60%

7.94%

7.95%

8.08%

8.18%

7.70%

6.89%

6.79%

6.28%

6.76%

6.88%

6.95%

6.85%

6.86%

7.01%

6.85%

6.87%

6.96%

6.45%

7.47%

7.82%

INGRESOS OPERATIVOS DIVERSOS

0.00%

0.01%

0.02%

0.03%

0.05%

0.09%

0.14%

0.31%

0.19%

0.20%

0.16%

0.27%

0.71%

0.77%

0.71%

0.59%

0.51%

0.45%

0.40%

0.37%

0.35%

0.33%

0.27%

3.05%

3.03%

COMISIONES P/ SERVICIOS

0.00%

0.01%

0.02%

0.03%

0.04%

0.18%

0.07%

0.08%

0.10%

0.06%

0.07%

0.06%

0.07%

0.08%

2.01%

1.97%

INGRESOS P/ Invers. Permanent. NO FINANCIERAS

0.00%

0.12%

0.00%

INGRESOS P/ OTROS ACTIVOS

0.00%

0.20%

0.21%

INGRESOS P/ OPERACIONES DE CAMBIO Y ARBITRAJE

0.00%

0.02%

0.05%

0.09%

0.00%

0.12%

0.11%

0.10%

0.20%

0.54%

0.62%

0.58%

0.47%

0.40%

0.35%

0.31%

0.28%

0.26%

0.23%

0.19%

0.67%

0.65%

OTROS INGRESOS OPERATIVOS

0.00%

0.01%

0.00%

0.01%

0.00%

0.12%

0.08%

0.06%

0.05%

0.04%

0.03%

0.02%

0.01%

0.17%

0.19%

GASTOS OPERATIVOS DIVERSOS

0.00%

0.07%

0.08%

0.23%

0.21%

0.22%

0.23%

0.21%

0.19%

0.10%

0.17%

0.47%

0.53%

0.51%

0.43%

0.38%

0.32%

0.29%

0.26%

0.25%

0.22%

0.16%

0.91%

0.90%

COMISIONES P/ SERVICIOS

0.00%

0.07%

0.08%

0.06%

0.07%

0.09%

0.08%

0.09%

0.08%

0.06%

0.05%

0.04%

0.03%

0.16%

GASTOS P/ INVERS. PERMANENT. NO FINANCIERAS

0.00%

GASTOS P/ OTROS ACTIVOS

0.00%

0.10%

GASTOS P/ OPERACIONES DE CAMBIO Y ARBITRAJE

0.00%

0.01%

0.03%

0.04%

0.05%

0.04%

0.00%

0.13%

0.42%

0.48%

0.45%

0.36%

0.30%

0.25%

0.22%

0.20%

0.18%

0.16%

0.13%

0.22%

OTROS GASTOS OPERATIVOS DIVERSOS

0.00%

0.17%

0.14%

0.12%

0.11%

0.09%

0.08%

0.07%

0.03%

0.02%

0.01%

0.00%

0.02%

0.03%

0.04%

0.03%

0.02%

0.00%

0.42%

RESULTADO OPERATIVO BRUTO

0.00%

13.58%

9.11%

7.32%

7.25%

7.10%

7.26%

7.47%

7.85%

8.03%

8.05%

8.16%

7.70%

6.96%

6.88%

6.52%

6.99%

7.08%

7.12%

6.98%

7.13%

6.95%

6.97%

7.07%

6.56%

9.60%

9.95%

GASTOS DE ADMINISTRACION

0.00%

28.64%

24.47%

20.81%

20.16%

19.06%

18.56%

18.40%

18.26%

17.76%

17.04%

16.37%

15.12%

6.73%

6.63%

6.15%

5.77%

5.52%

5.32%

5.22%

5.13%

5.09%

4.90%

4.80%

4.70%

3.78%

5.71%

5.96%

SUELDOS Y BENEFICIOS AL PERSONAL

0.00%

7.00%

6.56%

6.02%

5.64%

5.59%

5.49%

5.44%

5.46%

5.32%

5.17%

5.03%

4.62%

2.31%

2.26%

2.11%

1.99%

1.91%

1.85%

1.81%

1.80%

1.79%

1.74%

1.71%

1.68%

1.60%

2.19%

2.37%

GASTOS P/ SERVICIOS EXTERNOS

0.00%

3.34%

2.30%

1.54%

1.45%

1.31%

0.98%

0.95%

0.86%

0.78%

0.70%

0.65%

0.68%

0.29%

0.28%

0.26%

0.25%

0.23%

0.24%

0.25%

0.24%

0.23%

0.22%

0.15%

1.18%

1.17%

GASTOS DE TRANSPORTES Y COMUNICACIONES

0.00%

0.58%

1.23%

1.44%

1.48%

1.55%

1.76%

1.77%

1.82%

1.81%

1.78%

1.75%

1.67%

1.06%

1.10%

1.02%

0.95%

0.89%

0.84%

0.81%

0.80%

0.77%

0.73%

0.70%

0.67%

0.44%

0.47%

0.49%

GASTOS DE INFRAESTRUCTURA

0.00%

8.20%

7.27%

6.22%

5.67%

5.24%

5.00%

4.85%

4.73%

4.57%

4.32%

4.18%

3.83%

1.89%

1.85%

1.69%

1.59%

1.51%

1.44%

1.39%

1.34%

1.32%

1.26%

1.24%

1.20%

0.70%

0.93%

0.95%

GASTOS GENERALES

0.00%

9.52%

7.13%

5.59%

5.92%

5.37%

5.34%

5.40%

5.28%

5.07%

4.75%

4.34%

1.19%

1.15%

1.06%

0.98%

0.96%

0.95%

0.97%

0.95%

0.96%

0.93%

0.92%

0.88%

0.94%

0.97%

RESULTADO OPERAT. ANTES DE IR Y CONTRIB. POR LEYES

0.00%

-15.06%

-15.37%

-13.49%

-12.91%

-11.96%

-11.30%

-10.93%

-10.41%

-9.73%

-8.99%

-8.21%

-7.42%

0.22%

0.25%

0.38%

1.22%

1.56%

1.79%

1.76%

1.85%

2.04%

2.05%

2.17%

2.37%

2.78%

3.89%

3.99%

CONTRIBUCIÓN POR LEYES

0.00%

4.30%

1.82%

1.18%

1.04%

0.94%

0.88%

1.04%

1.16%

1.22%

1.19%

1.16%

1.02%

0.06%

0.08%

0.07%

0.06%

0.05%

0.10%

0.31%

0.30%

GASTOS POR I.R.

0.00%

0.88%

0.90%

RESULTADO OPERAT. DESP. DE IR Y CONTRIBUC. POR LEYES

0.00%

-19.36%

-17.18%

-14.67%

-13.95%

-12.90%

-12.18%

-11.97%

-11.57%

-10.95%

-10.18%

-9.37%

-8.43%

0.16%

0.17%

0.31%

1.16%

1.50%

1.74%

1.70%

1.80%

1.99%

2.00%

2.12%

2.32%

2.68%

2.70%

2.79%

INGRESOS EP/TRAORDINARIOS

0.00%

GASTOS EXTRAORDINARIOS

0.00%

0.14%

RESULTADO NETO DEL PERIODO

0.00%

-19.36%

-17.18%

-14.67%

-13.95%

-12.90%

-12.18%

-11.97%

-11.57%

-10.95%

-10.18%

-9.37%

-8.43%

0.16%

0.17%

0.31%

1.16%

1.50%

1.74%

1.70%

1.80%

1.99%

2.00%

2.12%

2.32%

2.68%

2.56%

2.65%