| SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados Acumulados | ||||||||||||||||
| Cortado al 30 de Septiembre 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 | 1,521,343.10 | 1,169,131.30 | 1,009,748.50 | 742,146.30 | 780,273.40 | 519,675.50 | 39,786.50 | 484,259.50 | 73,599.50 | 173,629.00 | 6,513,592.60 | |||||
| Ingresos financieros por disponibilidades | 8,302.40 | 9,206.80 | 9,552.90 | 14,787.80 | 7,074.70 | 253.00 | 234.90 | 3,435.00 | 709.90 | 562.40 | 54,119.90 | |||||
| Ingresos por inversiones en valores | 313,913.20 | 229,090.20 | 8,752.40 | 120,287.30 | 4,954.20 | 0.00 | 0.00 | 2,598.00 | 0.00 | 259.50 | 679,854.90 | |||||
| Ingresos financieros por cartera de creditos | 1,186,040.30 | 902,453.50 | 984,614.50 | 602,858.80 | 764,988.50 | 519,374.80 | 38,804.60 | 453,422.30 | 66,048.00 | 172,312.30 | 5,690,917.60 | |||||
| Ingresos financieros por operaciones de valores y derivados | 68.60 | 392.70 | 208.80 | 2,363.80 | 471.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3,505.50 | |||||
| Otros ingresos financieros | 13,018.50 | 27,987.90 | 6,619.90 | 1,848.60 | 2,784.50 | 47.70 | 747.00 | 24,804.20 | 6,841.70 | 494.70 | 85,194.60 | |||||
| Gastos financieros | 538,452.50 | 406,149.00 | 271,178.20 | 209,889.50 | 128,867.50 | 137,238.80 | 20,524.90 | 181,526.90 | 26,927.80 | 38,287.30 | 1,959,042.50 | |||||
| Gastos financieros por obligaciones con el público | 425,789.00 | 303,221.10 | 231,658.30 | 147,769.40 | 103,127.40 | 53,274.00 | 3,244.60 | 28,285.60 | 7,940.30 | 0.00 | 1,304,309.60 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 106,966.10 | 88,790.30 | 37,523.40 | 50,433.70 | 19,944.50 | 76,999.60 | 14,063.40 | 144,049.60 | 18,951.70 | 35,869.40 | 593,591.70 | |||||
| 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 | 5,697.40 | 7,509.40 | 0.00 | 7,861.10 | 0.00 | 6,965.20 | 0.00 | 8,439.30 | 0.00 | 0.00 | 36,472.40 | |||||
| Gastos financieros por operaciones de valores y derivados | 0.00 | 815.80 | 763.90 | 400.30 | 85.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2,065.70 | |||||
| Otros gastos financieros | 0.00 | 5,812.40 | 1,232.60 | 3,425.10 | 5,709.90 | 0.00 | 3,216.90 | 752.40 | 35.80 | 2,417.90 | 22,603.10 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 982,890.50 | 762,982.30 | 738,570.30 | 532,256.80 | 651,405.90 | 382,436.70 | 19,261.60 | 302,732.60 | 46,671.70 | 135,341.70 | 4,554,550.10 | |||||
| Cambios | 132,156.50 | 170,953.20 | 145,476.10 | 54,287.20 | 15,445.60 | 11,719.20 | 1,598.30 | 22,396.90 | 9,930.80 | 12,831.40 | 576,795.30 | |||||
| Por operaciones | 98,131.30 | 137,077.00 | 81,710.30 | 26,929.40 | 0.00 | 7,927.00 | 170.80 | 8,003.10 | 510.10 | 778.90 | 361,238.00 | |||||
| Por valuacion de posicion monetaria | 34,025.20 | 33,876.20 | 63,765.70 | 27,357.80 | 15,445.60 | 3,792.20 | 1,427.50 | 14,393.80 | 9,420.70 | 12,052.60 | 215,557.30 | |||||
| Margen financiero bruto | 1,115,047.00 | 933,935.40 | 884,046.40 | 586,544.00 | 666,851.50 | 394,155.90 | 20,859.90 | 325,129.50 | 56,602.60 | 148,173.10 | 5,131,345.40 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -278,739.60 | -93,031.90 | -118,104.30 | -160,922.80 | -364,678.50 | -87,034.60 | -15,614.50 | -67,536.20 | -1,189.30 | -32,554.10 | -1,219,405.90 | |||||
| Margen financiero, neto | 836,307.40 | 840,903.50 | 765,942.10 | 425,621.20 | 302,173.00 | 307,121.40 | 5,245.40 | 257,593.30 | 55,413.20 | 115,619.00 | 3,911,939.50 | |||||
| Ingresos (Gastos) operativos diversos, neto | 306,555.70 | 125,484.10 | 178,273.10 | 49,529.40 | 174,940.00 | 22,000.10 | 2,420.10 | 22,161.30 | 691.80 | 5,639.20 | 887,694.80 | |||||
| Ingresos operativos diversos | 333,778.60 | 191,467.10 | 201,498.30 | 101,161.20 | 257,251.40 | 29,773.70 | 3,332.50 | 61,925.00 | 1,271.80 | 7,207.30 | 1,188,666.90 | |||||
| Gastos operativos diversos | 27,222.90 | 65,982.90 | 23,225.20 | 51,631.80 | 82,311.40 | 7,773.60 | 912.40 | 39,763.70 | 580.10 | 1,568.10 | 300,972.00 | |||||
| Resultado operativo bruto | 1,142,863.20 | 966,387.60 | 944,215.10 | 475,150.60 | 477,113.00 | 329,121.50 | 7,665.50 | 279,754.60 | 56,105.00 | 121,258.20 | 4,799,634.30 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 2,741.10 | 1,750.20 | 0.00 | 5.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4,496.90 | |||||
| Gastos de administración | 719,846.60 | 582,656.90 | 572,114.00 | 363,177.40 | 305,874.80 | 277,837.60 | 14,492.70 | 213,196.20 | 63,982.20 | 99,289.30 | 3,212,467.80 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 423,016.60 | 386,471.90 | 373,851.30 | 111,973.20 | 171,243.80 | 51,283.90 | -6,827.10 | 66,558.40 | -7,877.20 | 21,968.80 | 1,591,663.40 | |||||
| Contribuciones por leyes especiales (564 y 563) | 43,643.80 | 35,727.50 | 26,614.10 | 17,168.20 | 11,500.70 | 3,802.00 | 733.40 | 3,283.70 | 1,081.20 | 429.20 | 143,983.90 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 102,531.40 | 90,651.10 | 107,296.60 | 24,322.30 | 51,654.60 | 14,304.50 | 823.40 | 17,427.10 | 540.10 | 6,391.60 | 415,942.70 | |||||
| Resultados del período | 276,841.40 | 260,093.30 | 239,940.60 | 70,482.60 | 108,088.50 | 33,177.40 | -8,384.00 | 45,847.60 | -9,498.60 | 15,148.00 | 1,031,736.90 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A SEPTIEMBRE 30/08 C$ 19.6062 X US$ 1.00 | ||||||||||||||||