| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados | ||||||||||||||||
| Cortado al 31 de Marzo 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 | 502,304.40 | 381,811.20 | 325,031.60 | 238,783.30 | 258,811.20 | 164,624.60 | 14,131.10 | 152,700.90 | 22,774.40 | 51,548.80 | 2,112,521.50 | |||||
| Ingresos financieros por disponibilidades | 3,503.60 | 3,207.70 | 3,295.90 | 4,411.40 | 2,206.40 | 112.40 | 65.90 | 1,665.40 | 236.30 | 116.10 | 18,821.20 | |||||
| Ingresos por inversiones en valores | 104,577.60 | 80,486.30 | 2,014.30 | 44,206.60 | 1,885.90 | 0.00 | 0.00 | 854.50 | 0.00 | 0.00 | 234,025.10 | |||||
| Ingresos financieros por cartera de creditos | 391,613.90 | 288,009.70 | 318,447.00 | 189,212.00 | 253,746.00 | 164,489.10 | 13,710.50 | 142,296.30 | 21,415.40 | 51,308.20 | 1,834,248.10 | |||||
| Ingresos financieros por operaciones de valores y derivados | 47.20 | 1.40 | 132.20 | 589.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 770.10 | |||||
| Otros ingresos financieros | 2,562.00 | 10,106.30 | 1,142.10 | 363.90 | 973.00 | 23.10 | 354.60 | 7,884.80 | 1,122.70 | 124.50 | 24,657.10 | |||||
| Gastos financieros | 179,269.10 | 139,886.90 | 85,744.00 | 75,454.80 | 42,535.20 | 42,707.70 | 7,638.50 | 56,148.50 | 9,247.00 | 10,818.60 | 649,450.30 | |||||
| Gastos financieros por obligaciones con el público | 142,749.40 | 103,952.00 | 72,753.40 | 51,886.30 | 31,946.00 | 16,175.50 | 1,907.20 | 7,825.40 | 1,358.00 | 0.00 | 430,553.10 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 34,306.90 | 30,478.70 | 12,420.90 | 19,114.80 | 7,292.10 | 24,870.80 | 4,870.00 | 45,204.60 | 7,880.30 | 10,441.00 | 196,879.90 | |||||
| Gastos financieros por otras cuentas por pagar | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.00 | 0.00 | 0.00 | 2.00 | |||||
| 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 | 2,212.70 | 2,463.60 | 0.00 | 3,032.10 | 0.00 | 1,661.40 | 0.00 | 2,803.10 | 0.00 | 0.00 | 12,173.10 | |||||
| Gastos financieros por operaciones de valores y derivados | 0.00 | 256.30 | 0.00 | 13.50 | 61.90 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 331.70 | |||||
| Otros gastos financieros | 0.00 | 2,736.40 | 569.80 | 1,408.00 | 3,235.20 | 0.00 | 861.30 | 313.40 | 8.70 | 377.70 | 9,510.50 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 323,035.30 | 241,924.30 | 239,287.50 | 163,328.50 | 216,276.00 | 121,917.00 | 6,492.60 | 96,552.40 | 13,527.40 | 40,730.20 | 1,463,071.20 | |||||
| Cambios | 39,297.90 | 53,061.00 | 47,297.60 | 18,853.50 | 3,525.20 | 3,231.90 | 531.40 | 7,042.20 | 3,305.40 | 4,417.80 | 180,563.90 | |||||
| Por operaciones | 28,992.70 | 42,424.30 | 24,870.40 | 10,381.90 | 0.00 | 2,211.40 | 62.40 | 2,354.50 | 185.10 | 98.40 | 111,581.10 | |||||
| Por valuacion de posicion monetaria | 10,305.10 | 10,636.70 | 22,427.10 | 8,471.60 | 3,525.20 | 1,020.60 | 469.00 | 4,687.70 | 3,120.20 | 4,319.50 | 68,982.80 | |||||
| Margen financiero bruto | 362,333.20 | 294,985.30 | 286,585.10 | 182,182.00 | 219,801.20 | 125,148.90 | 7,024.00 | 103,594.70 | 16,832.80 | 45,148.10 | 1,643,635.10 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -62,171.50 | -34,754.00 | -41,132.50 | -52,477.30 | -99,854.50 | -24,849.00 | -6,526.90 | -22,025.70 | -996.60 | -5,573.40 | -350,361.30 | |||||
| Margen financiero, neto | 300,161.70 | 260,231.30 | 245,452.70 | 129,704.70 | 119,946.70 | 100,300.00 | 497.10 | 81,568.90 | 15,836.20 | 39,574.70 | 1,293,273.80 | |||||
| Ingresos (Gastos) operativos diversos, neto | 67,483.70 | 20,786.30 | 57,078.40 | 12,318.80 | 45,437.50 | 5,968.80 | 515.70 | 10,234.80 | 300.20 | 1,519.90 | 221,644.10 | |||||
| Ingresos operativos diversos | 75,249.00 | 53,329.10 | 63,935.90 | 30,167.20 | 53,031.00 | 7,871.60 | 629.10 | 17,411.80 | 528.40 | 1,969.10 | 304,122.20 | |||||
| Gastos operativos diversos | 7,765.30 | 32,542.70 | 6,857.50 | 17,848.40 | 7,593.50 | 1,902.80 | 113.40 | 7,177.00 | 228.20 | 449.20 | 82,478.10 | |||||
| Resultado operativo bruto | 367,645.30 | 281,017.60 | 302,531.00 | 142,023.50 | 165,384.20 | 106,268.80 | 1,012.80 | 91,803.80 | 16,136.40 | 41,094.60 | 1,514,918.00 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 0.00 | 561.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 561.40 | |||||
| Gastos de administración | 219,595.60 | 180,724.50 | 190,599.00 | 115,621.90 | 100,885.00 | 87,759.20 | 5,123.00 | 67,532.80 | 19,067.20 | 31,355.50 | 1,018,263.80 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 148,049.80 | 100,293.10 | 112,493.30 | 26,401.70 | 64,499.20 | 18,509.50 | -4,110.20 | 24,271.00 | -2,930.90 | 9,739.10 | 497,215.60 | |||||
| Contribuciones por leyes especiales (564 y 563) | 14,478.00 | 11,852.20 | 8,823.80 | 5,694.50 | 3,811.90 | 1,262.20 | 243.30 | 1,091.40 | 359.50 | 143.10 | 47,760.00 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 35,647.80 | 27,206.40 | 32,053.30 | 8,107.40 | 9,004.50 | 5,231.00 | 274.50 | 5,048.20 | 180.00 | 2,878.80 | 125,631.80 | |||||
| Resultados del período | 97,923.90 | 61,234.40 | 71,616.30 | 12,599.70 | 51,682.90 | 12,016.30 | -4,627.90 | 18,131.40 | -3,470.40 | 6,717.20 | 323,823.80 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A FEB 29/08 C$ 19.0548 X US$ 1.00 | ||||||||||||||||