| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados | ||||||||||||||||
| Cortado al 31 de Enero de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | FINARCA | FINDESA | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Ingresos financieros | 164,424.50 | 131,288.10 | 108,462.80 | 78,133.90 | 85,403.30 | 54,783.40 | 4,848.10 | 50,808.90 | 7,009.40 | 16,641.40 | 701,803.80 | |||||
| Ingresos financieros por disponibilidades | 851.80 | 1,011.80 | 915.00 | 1,147.00 | 900.60 | 36.50 | 15.50 | 666.00 | 133.80 | 34.50 | 5,712.50 | |||||
| Ingresos por inversiones en valores | 35,214.20 | 30,292.10 | 146.40 | 13,541.60 | 226.50 | 0.00 | 0.00 | 175.20 | 0.00 | 0.00 | 79,596.10 | |||||
| Ingresos financieros por cartera de creditos | 127,870.90 | 95,140.80 | 107,063.60 | 63,304.50 | 84,029.70 | 54,746.90 | 4,581.00 | 47,282.50 | 6,840.50 | 16,607.00 | 607,467.30 | |||||
| Ingresos financieros por operaciones de valores y derivados | 8.70 | 1.40 | 0.00 | 90.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 100.30 | |||||
| Otros ingresos financieros | 478.90 | 4,842.00 | 337.90 | 50.60 | 246.50 | 0.00 | 251.60 | 2,685.10 | 35.10 | 0.00 | 8,927.70 | |||||
| Gastos financieros | 58,769.90 | 48,273.90 | 28,864.40 | 26,993.20 | 14,528.10 | 14,177.90 | 2,655.60 | 18,602.80 | 3,147.40 | 3,640.80 | 219,654.00 | |||||
| Gastos financieros por obligaciones con el público | 46,934.30 | 35,492.60 | 24,304.90 | 17,567.20 | 10,586.90 | 4,853.00 | 659.10 | 2,516.40 | 372.30 | 0.00 | 143,286.70 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 11,055.30 | 10,166.50 | 4,369.70 | 7,002.10 | 2,843.50 | 8,761.10 | 1,597.20 | 15,067.70 | 2,767.50 | 3,375.20 | 67,005.90 | |||||
| Gastos financieros por otras cuentas por pagar | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Gastos financieros con oficina central y sucursales | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Gastos financieros por obligaciones subordinadas y obligaciones convertibles en capital | 780.30 | 835.90 | 0.00 | 1,053.90 | 0.00 | 563.70 | 0.00 | 864.00 | 0.00 | 0.00 | 4,097.90 | |||||
| Gastos financieros por operaciones de valores y derivados | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Otros gastos financieros | 0.00 | 1,778.90 | 189.80 | 1,369.90 | 1,097.60 | 0.00 | 399.30 | 154.70 | 7.60 | 265.60 | 5,263.50 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 105,654.60 | 83,014.10 | 79,598.40 | 51,140.80 | 70,875.20 | 40,605.60 | 2,192.50 | 32,206.10 | 3,862.00 | 13,000.70 | 482,149.90 | |||||
| Cambios | 17,894.40 | 17,206.80 | 15,778.50 | 4,767.60 | 1,069.80 | 1,255.10 | 154.40 | 2,134.80 | 1,141.90 | 1,043.90 | 62,447.20 | |||||
| Por operaciones | 14,849.60 | 12,813.40 | 9,067.10 | 2,017.00 | 0.00 | 764.50 | 22.50 | 1,044.30 | 61.40 | -28.20 | 40,611.60 | |||||
| Por valuacion de posicion monetaria | 3,044.80 | 4,393.40 | 6,711.40 | 2,750.60 | 1,069.80 | 490.60 | 131.90 | 1,090.50 | 1,080.50 | 1,072.10 | 21,835.60 | |||||
| Margen financiero bruto | 123,549.00 | 100,220.90 | 95,376.90 | 55,908.30 | 71,945.10 | 41,860.70 | 2,346.90 | 34,340.90 | 5,003.90 | 14,044.60 | 544,597.10 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -20,618.80 | -8,425.30 | -16,371.20 | -12,545.30 | -37,238.30 | -9,116.10 | -3,400.80 | -9,627.40 | -178.90 | -296.40 | -117,818.40 | |||||
| Margen financiero, neto | 102,930.20 | 91,795.60 | 79,005.70 | 43,363.00 | 34,706.80 | 32,744.50 | -1,053.90 | 24,713.50 | 4,825.00 | 13,748.20 | 426,778.70 | |||||
| Ingresos (Gastos) operativos diversos, neto | 21,647.40 | -1,247.80 | 19,716.30 | 4,406.90 | 14,295.60 | 2,752.10 | 227.50 | 4,376.30 | 37.70 | 610.10 | 66,822.00 | |||||
| Ingresos operativos diversos | 24,670.10 | 17,644.20 | 22,056.30 | 10,200.40 | 16,876.10 | 3,334.60 | 340.90 | 6,449.50 | 122.00 | 712.00 | 102,406.20 | |||||
| Gastos operativos diversos | 3,022.80 | 18,892.00 | 2,340.10 | 5,793.50 | 2,580.50 | 582.50 | 113.40 | 2,073.20 | 84.30 | 101.90 | 35,584.20 | |||||
| Resultado operativo bruto | 124,577.60 | 90,547.70 | 98,721.90 | 47,769.90 | 49,002.40 | 35,496.60 | -826.40 | 29,089.80 | 4,862.70 | 14,358.30 | 493,600.70 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 0.00 | 239.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 239.50 | |||||
| Gastos de administración | 70,411.60 | 64,362.20 | 63,053.60 | 39,446.70 | 33,894.70 | 27,614.80 | 1,576.90 | 21,987.70 | 5,953.70 | 10,399.40 | 338,701.20 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 54,166.00 | 26,185.60 | 35,907.80 | 8,323.20 | 15,107.80 | 7,881.80 | -2,403.30 | 7,102.10 | -1,091.00 | 3,959.00 | 155,139.00 | |||||
| Contribuciones por leyes especiales (564 y 563) | 4,818.50 | 3,944.60 | 2,936.30 | 2,048.30 | 1,268.30 | 420.20 | 81.00 | 363.50 | 119.70 | 115.20 | 16,115.70 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 13,019.90 | 11,333.10 | 10,218.90 | 2,702.50 | 3,001.50 | 2,238.50 | 91.50 | 1,506.50 | 60.00 | 1,153.10 | 45,325.50 | |||||
| Resultados del período | 36,327.60 | 10,907.80 | 22,752.70 | 3,572.50 | 10,838.00 | 5,223.10 | -2,575.70 | 5,232.00 | -1,270.80 | 2,690.60 | 93,697.80 | |||||
| La informacion de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A ENE 31/08 C$ 18.9812 X US$ 1.00 | ||||||||||||||||