| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados | ||||||||||||||||
| Cortado al 29 de Febrero 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 | 332,330.90 | 253,070.20 | 214,358.80 | 150,604.40 | 173,429.40 | 107,471.80 | 9,310.50 | 100,603.20 | 14,139.20 | 34,054.30 | 1,389,372.70 | |||||
| Ingresos financieros por disponibilidades | 1,898.00 | 2,270.40 | 1,878.10 | 2,707.60 | 1,499.10 | 82.50 | 35.40 | 1,108.30 | 193.60 | 72.30 | 11,745.30 | |||||
| Ingresos por inversiones en valores | 69,436.70 | 54,122.40 | 1,299.70 | 22,693.50 | 1,287.40 | 0.00 | 0.00 | 584.70 | 0.00 | 0.00 | 149,424.40 | |||||
| Ingresos financieros por cartera de creditos | 259,758.10 | 188,511.50 | 210,363.40 | 124,695.70 | 170,036.60 | 107,367.40 | 8,991.00 | 93,763.90 | 13,878.90 | 33,923.50 | 1,211,290.00 | |||||
| Ingresos financieros por operaciones de valores y derivados | 26.00 | 1.40 | 9.00 | 238.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 274.60 | |||||
| Otros ingresos financieros | 1,212.20 | 8,164.50 | 808.60 | 269.40 | 606.30 | 21.90 | 284.00 | 5,146.30 | 66.60 | 58.50 | 16,638.40 | |||||
| Gastos financieros | 116,275.60 | 93,462.10 | 56,129.30 | 51,525.50 | 28,850.20 | 27,836.20 | 4,995.70 | 36,578.60 | 6,135.40 | 6,940.90 | 428,729.50 | |||||
| Gastos financieros por obligaciones con el público | 93,005.40 | 69,037.50 | 47,465.20 | 34,971.20 | 21,052.40 | 10,066.30 | 1,267.90 | 4,901.50 | 852.50 | 0.00 | 282,619.80 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 21,757.00 | 19,951.40 | 8,284.80 | 13,379.00 | 5,199.20 | 16,676.80 | 3,137.20 | 29,632.60 | 5,274.20 | 6,675.30 | 129,967.60 | |||||
| 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 | 1,513.20 | 1,621.00 | 0.00 | 2,043.90 | 0.00 | 1,093.10 | 0.00 | 1,772.70 | 0.00 | 0.00 | 8,043.90 | |||||
| Gastos financieros por operaciones de valores y derivados | 0.00 | 136.80 | 0.00 | 13.50 | 28.90 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 179.20 | |||||
| Otros gastos financieros | 0.00 | 2,715.40 | 379.40 | 1,117.90 | 2,569.70 | 0.00 | 590.50 | 271.80 | 8.70 | 265.60 | 7,919.00 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 216,055.40 | 159,608.10 | 158,229.50 | 99,078.90 | 144,579.20 | 79,635.60 | 4,314.80 | 64,024.60 | 8,003.80 | 27,113.40 | 960,643.20 | |||||
| Cambios | 29,255.50 | 38,260.20 | 32,159.20 | 12,027.50 | 2,578.00 | 2,404.00 | 357.90 | 3,599.60 | 2,191.60 | 2,606.40 | 125,439.80 | |||||
| Por operaciones | 23,532.00 | 30,780.60 | 17,690.70 | 6,782.40 | 0.00 | 1,498.80 | 46.00 | 1,608.90 | 125.50 | 7.50 | 82,072.50 | |||||
| Por valuacion de posicion monetaria | 5,723.40 | 7,479.70 | 14,468.50 | 5,245.10 | 2,578.00 | 905.10 | 311.90 | 1,990.70 | 2,066.10 | 2,598.90 | 43,367.40 | |||||
| Margen financiero bruto | 245,310.80 | 197,868.30 | 190,388.70 | 111,106.40 | 147,157.20 | 82,039.50 | 4,672.70 | 67,624.20 | 10,195.30 | 29,719.80 | 1,086,083.00 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -42,171.50 | -21,578.10 | -25,892.80 | -27,944.00 | -67,297.40 | -18,059.00 | -3,472.30 | -14,996.40 | -82.80 | -2,887.80 | -224,382.10 | |||||
| Margen financiero, neto | 203,139.30 | 176,290.20 | 164,496.00 | 83,162.30 | 79,859.80 | 63,980.60 | 1,200.50 | 52,627.80 | 10,112.60 | 26,831.90 | 861,700.90 | |||||
| Ingresos (Gastos) operativos diversos, neto | 44,539.50 | 12,116.30 | 38,608.70 | 8,098.30 | 33,309.40 | 5,268.10 | 400.20 | 7,124.70 | 164.00 | 1,191.90 | 150,821.10 | |||||
| Ingresos operativos diversos | 49,547.00 | 35,630.60 | 42,782.50 | 21,195.60 | 37,873.00 | 6,406.80 | 513.60 | 11,528.00 | 287.10 | 1,506.50 | 207,270.50 | |||||
| Gastos operativos diversos | 5,007.50 | 23,514.20 | 4,173.70 | 13,097.30 | 4,563.60 | 1,138.70 | 113.40 | 4,403.30 | 123.10 | 314.60 | 56,449.40 | |||||
| Resultado operativo bruto | 247,678.70 | 188,406.60 | 203,104.70 | 91,260.70 | 113,169.20 | 69,248.70 | 1,600.60 | 59,752.60 | 10,276.50 | 28,023.80 | 1,012,522.00 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 0.00 | 398.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 398.30 | |||||
| Gastos de administración | 146,773.90 | 119,671.00 | 124,900.90 | 74,097.60 | 68,432.70 | 55,602.60 | 3,245.80 | 44,573.70 | 12,037.40 | 20,881.60 | 670,217.10 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 100,904.90 | 68,735.60 | 78,602.10 | 17,163.00 | 44,736.50 | 13,646.00 | -1,645.20 | 15,178.90 | -1,760.90 | 7,142.30 | 342,703.20 | |||||
| Contribuciones por leyes especiales (564 y 563) | 9,644.40 | 7,895.30 | 5,877.30 | 3,870.00 | 2,538.90 | 840.90 | 162.00 | 727.40 | 239.60 | 95.40 | 31,891.10 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 24,833.90 | 22,067.60 | 22,462.60 | 5,405.00 | 6,003.00 | 3,841.50 | 183.00 | 3,010.60 | 120.00 | 2,114.10 | 90,041.20 | |||||
| Resultados del período | 66,426.60 | 38,772.70 | 50,262.20 | 7,888.10 | 36,194.60 | 8,963.60 | -1,990.20 | 11,440.90 | -2,120.50 | 4,932.80 | 220,770.90 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A FEB 29/08 C$ 19.0548 X US$ 1.00 | ||||||||||||||||