| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados | ||||||||||||||||
| Cortado al 30 de Abril 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 | 680,349.40 | 512,210.50 | 436,824.60 | 326,818.10 | 339,095.30 | 220,771.70 | 18,328.30 | 207,384.40 | 31,161.30 | 69,535.30 | 2,842,478.90 | |||||
| Ingresos financieros por disponibilidades | 4,987.00 | 4,192.30 | 4,539.80 | 6,469.40 | 2,941.90 | 126.30 | 89.30 | 1,754.00 | 261.40 | 172.80 | 25,534.20 | |||||
| Ingresos por inversiones en valores | 140,276.40 | 106,611.80 | 2,710.50 | 63,871.40 | 2,362.10 | 0.00 | 0.00 | 1,481.10 | 0.00 | 0.00 | 317,313.30 | |||||
| Ingresos financieros por cartera de creditos | 531,741.90 | 387,306.90 | 427,768.20 | 255,219.70 | 332,426.60 | 220,622.30 | 17,811.40 | 193,387.20 | 29,174.60 | 69,169.70 | 2,464,628.40 | |||||
| Ingresos financieros por operaciones de valores y derivados | 47.20 | 1.40 | 132.20 | 829.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,010.20 | |||||
| Otros ingresos financieros | 3,296.90 | 14,098.20 | 1,673.90 | 428.10 | 1,364.80 | 23.10 | 427.60 | 10,762.10 | 1,725.30 | 192.80 | 33,992.80 | |||||
| Gastos financieros | 238,754.60 | 183,624.00 | 115,217.20 | 98,782.80 | 55,887.90 | 57,081.50 | 9,596.50 | 75,909.80 | 12,548.50 | 14,874.70 | 862,277.40 | |||||
| Gastos financieros por obligaciones con el público | 190,013.20 | 136,621.10 | 98,333.20 | 68,288.20 | 42,336.70 | 21,698.90 | 2,383.90 | 11,267.30 | 2,214.80 | 0.00 | 573,157.30 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 45,999.80 | 40,213.10 | 16,122.20 | 24,824.60 | 9,413.20 | 33,170.20 | 6,165.90 | 60,602.00 | 10,307.00 | 13,766.00 | 260,584.00 | |||||
| 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 | 2,741.60 | 3,282.40 | 0.00 | 4,064.40 | 0.00 | 2,212.50 | 0.00 | 3,636.70 | 0.00 | 0.00 | 15,937.60 | |||||
| Gastos financieros por operaciones de valores y derivados | 0.00 | 755.00 | 0.00 | 13.50 | 85.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 854.10 | |||||
| Otros gastos financieros | 0.00 | 2,752.40 | 761.90 | 1,592.10 | 4,052.30 | 0.00 | 1,046.70 | 403.70 | 26.70 | 1,108.70 | 11,744.50 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 441,594.80 | 328,586.60 | 321,607.40 | 228,035.30 | 283,207.40 | 163,690.20 | 8,731.80 | 131,474.60 | 18,612.70 | 54,660.60 | 1,980,201.50 | |||||
| Cambios | 50,274.50 | 69,454.80 | 62,757.60 | 24,411.20 | 4,849.70 | 4,526.60 | 746.00 | 8,390.30 | 4,365.30 | 5,716.80 | 235,492.80 | |||||
| Por operaciones | 35,684.00 | 54,402.70 | 32,843.10 | 13,773.10 | 0.00 | 3,066.80 | 73.20 | 3,089.50 | 235.20 | 157.20 | 143,324.70 | |||||
| Por valuacion de posicion monetaria | 14,590.50 | 15,052.10 | 29,914.50 | 10,638.20 | 4,849.70 | 1,459.80 | 672.80 | 5,300.80 | 4,130.10 | 5,559.60 | 92,168.00 | |||||
| Margen financiero bruto | 491,869.30 | 398,041.30 | 384,365.00 | 252,446.50 | 288,057.20 | 168,216.80 | 9,477.80 | 139,864.90 | 22,978.00 | 60,377.40 | 2,215,694.20 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -110,483.90 | -36,289.80 | -46,831.70 | -67,385.20 | -130,275.50 | -31,678.50 | -9,545.30 | -30,941.50 | -691.30 | -8,777.00 | -472,899.60 | |||||
| Margen financiero, neto | 381,385.40 | 361,751.60 | 337,533.30 | 185,061.30 | 157,781.70 | 136,538.30 | -67.50 | 108,923.40 | 22,286.70 | 51,600.40 | 1,742,794.60 | |||||
| Ingresos (Gastos) operativos diversos, neto | 115,946.80 | 37,357.30 | 75,264.50 | 18,347.50 | 58,821.40 | 7,524.40 | 794.40 | 12,211.30 | 295.80 | 1,858.60 | 328,422.00 | |||||
| Ingresos operativos diversos | 128,091.60 | 74,583.00 | 86,238.20 | 40,917.90 | 71,489.80 | 10,617.90 | 907.80 | 23,615.60 | 628.40 | 2,485.00 | 439,575.10 | |||||
| Gastos operativos diversos | 12,144.80 | 37,225.70 | 10,973.70 | 22,570.40 | 12,668.40 | 3,093.50 | 113.40 | 11,404.20 | 332.60 | 626.40 | 111,153.10 | |||||
| Resultado operativo bruto | 497,332.20 | 399,108.80 | 412,797.90 | 203,408.80 | 216,603.10 | 144,062.60 | 726.90 | 121,134.80 | 22,582.60 | 53,458.90 | 2,071,216.60 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 0.00 | 652.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 652.50 | |||||
| Gastos de administración | 300,929.60 | 242,775.70 | 256,744.80 | 159,941.50 | 134,131.80 | 117,507.40 | 6,564.80 | 90,661.20 | 25,859.50 | 42,770.90 | 1,377,887.20 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 196,402.70 | 156,333.20 | 156,705.60 | 43,467.30 | 82,471.30 | 26,555.20 | -5,838.00 | 30,473.50 | -3,276.90 | 10,688.00 | 693,981.90 | |||||
| Contribuciones por leyes especiales (564 y 563) | 19,319.30 | 15,815.40 | 11,775.80 | 7,598.60 | 5,087.30 | 1,684.10 | 324.60 | 1,455.80 | 479.50 | 190.80 | 63,731.20 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 47,461.70 | 40,345.20 | 44,608.00 | 10,809.90 | 20,650.60 | 7,518.90 | 366.00 | 7,077.10 | 240.00 | 3,102.90 | 182,180.30 | |||||
| Resultados del período | 129,621.60 | 100,172.60 | 100,321.80 | 25,058.70 | 56,733.50 | 17,352.30 | -6,528.50 | 21,940.70 | -3,996.50 | 7,394.40 | 448,070.40 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A ABRIL 30/08 C$ 19.2103 X US$ 1.00 | ||||||||||||||||