| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados | ||||||||||||||||
| Cortado al 31 de Agosto 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 | 1,360,810.80 | 1,040,838.00 | 913,506.90 | 660,332.80 | 690,112.30 | 460,031.40 | 36,069.40 | 428,353.80 | 65,346.40 | 151,292.00 | 5,806,693.70 | |||||
| Ingresos financieros por disponibilidades | 7,721.80 | 8,007.60 | 9,309.50 | 13,574.00 | 6,464.10 | 222.50 | 197.20 | 3,065.80 | 584.90 | 441.20 | 49,588.60 | |||||
| Ingresos por inversiones en valores | 287,322.10 | 209,793.30 | 6,456.70 | 109,883.90 | 4,248.90 | 0.00 | 0.00 | 2,391.20 | 0.00 | 0.00 | 620,096.10 | |||||
| Ingresos financieros por cartera de creditos | 1,054,462.50 | 797,146.30 | 892,721.40 | 533,647.60 | 676,648.00 | 459,773.10 | 35,140.80 | 400,820.40 | 58,853.10 | 150,411.90 | 5,059,625.20 | |||||
| Ingresos financieros por operaciones de valores y derivados | 68.60 | 89.70 | 198.20 | 1,597.60 | 210.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2,164.50 | |||||
| Otros ingresos financieros | 11,235.80 | 25,801.10 | 4,821.10 | 1,629.60 | 2,540.90 | 35.90 | 731.30 | 22,076.40 | 5,908.40 | 438.90 | 75,219.30 | |||||
| Gastos financieros | 478,186.60 | 361,391.50 | 241,641.70 | 188,606.80 | 114,173.70 | 120,732.60 | 18,766.80 | 160,257.10 | 24,130.50 | 33,037.90 | 1,740,925.30 | |||||
| Gastos financieros por obligaciones con el público | 378,908.70 | 269,563.20 | 206,609.80 | 131,004.40 | 91,373.60 | 46,820.10 | 3,209.40 | 24,997.20 | 6,762.00 | 0.00 | 1,159,248.50 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 94,168.60 | 78,640.30 | 33,395.70 | 47,202.00 | 17,914.50 | 67,899.40 | 12,608.80 | 127,263.50 | 17,333.40 | 30,717.90 | 527,144.20 | |||||
| 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 | 5,109.30 | 6,673.80 | 0.00 | 7,026.80 | 0.00 | 6,013.00 | 0.00 | 7,307.30 | 0.00 | 0.00 | 32,130.30 | |||||
| Gastos financieros por operaciones de valores y derivados | 0.00 | 753.60 | 96.30 | 181.50 | 85.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,117.00 | |||||
| Otros gastos financieros | 0.00 | 5,760.60 | 1,539.90 | 3,192.00 | 4,800.00 | 0.00 | 2,948.60 | 689.10 | 35.10 | 2,320.00 | 21,285.30 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 882,624.30 | 679,446.40 | 671,865.10 | 471,725.90 | 575,938.50 | 339,298.90 | 17,302.60 | 268,096.70 | 41,215.90 | 118,254.10 | 4,065,768.40 | |||||
| Cambios | 116,406.10 | 148,270.80 | 128,094.70 | 49,618.10 | 12,551.90 | 10,483.40 | 1,443.40 | 19,715.40 | 8,855.00 | 11,204.50 | 506,643.40 | |||||
| Por operaciones | 86,650.90 | 117,653.50 | 72,340.50 | 25,922.10 | 0.00 | 7,066.10 | 158.80 | 7,164.80 | 447.90 | 563.00 | 317,967.60 | |||||
| Por valuacion de posicion monetaria | 29,755.20 | 30,617.30 | 55,754.20 | 23,696.00 | 12,551.90 | 3,417.30 | 1,284.60 | 12,550.60 | 8,407.20 | 10,641.50 | 188,675.80 | |||||
| Margen financiero bruto | 999,030.40 | 827,717.20 | 799,959.80 | 521,344.10 | 588,490.50 | 349,782.30 | 18,746.00 | 287,812.10 | 50,070.90 | 129,458.60 | 4,572,411.70 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -230,568.50 | -77,858.80 | -101,488.20 | -137,614.60 | -319,450.40 | -76,577.30 | -14,469.00 | -61,560.50 | -1,472.20 | -26,292.70 | -1,047,352.20 | |||||
| Margen financiero, neto | 768,461.90 | 749,858.40 | 698,471.60 | 383,729.50 | 269,040.00 | 273,204.90 | 4,277.00 | 226,251.60 | 48,598.70 | 103,165.80 | 3,525,059.50 | |||||
| Ingresos (Gastos) operativos diversos, neto | 254,187.50 | 110,283.30 | 155,325.50 | 42,656.70 | 163,217.30 | 21,300.50 | 2,512.70 | 20,328.70 | 612.40 | 5,285.30 | 775,710.00 | |||||
| Ingresos operativos diversos | 272,958.00 | 172,558.10 | 176,152.40 | 89,288.80 | 239,279.40 | 28,288.00 | 3,133.70 | 51,960.20 | 1,153.10 | 6,738.40 | 1,041,510.20 | |||||
| Gastos operativos diversos | 18,770.60 | 62,274.80 | 20,826.90 | 46,632.10 | 76,062.10 | 6,987.50 | 621.00 | 31,631.50 | 540.70 | 1,453.10 | 265,800.20 | |||||
| Resultado operativo bruto | 1,022,649.30 | 860,141.70 | 853,797.10 | 426,386.20 | 432,257.40 | 294,505.50 | 6,789.70 | 246,580.30 | 49,211.10 | 108,451.20 | 4,300,769.50 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 2,741.10 | 1,785.60 | 0.00 | 5.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4,532.30 | |||||
| Gastos de administración | 636,332.70 | 512,469.20 | 511,172.60 | 323,931.60 | 271,092.00 | 245,743.00 | 13,313.50 | 188,810.10 | 54,922.80 | 88,382.40 | 2,846,170.10 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 386,316.70 | 350,413.70 | 344,410.00 | 102,454.60 | 161,171.00 | 48,762.40 | -6,523.90 | 57,770.20 | -5,711.60 | 20,068.70 | 1,459,131.80 | |||||
| Contribuciones por leyes especiales (564 y 563) | 38,763.10 | 31,732.20 | 23,634.90 | 15,247.60 | 10,213.10 | 3,377.30 | 651.40 | 2,917.50 | 960.70 | 381.50 | 127,879.30 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 91,717.50 | 85,512.30 | 98,615.90 | 21,619.90 | 48,653.10 | 13,675.40 | 731.90 | 15,608.20 | 480.10 | 5,835.90 | 382,450.10 | |||||
| Resultados del período | 255,836.10 | 233,169.10 | 222,159.20 | 65,587.10 | 102,304.80 | 31,709.70 | -7,907.20 | 39,244.50 | -7,152.40 | 13,851.30 | 948,802.30 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO AGOSTO 31/08 C$ 19.5279 X US$ 1.00 | ||||||||||||||||