| SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) | ||||||||||||||||
| Estado de Resultados Acumulados | ||||||||||||||||
| Cortado al 30 de Noviembre de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | BANEX | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Ingresos financieros | 1,849,535.40 | 1,432,880.10 | 1,259,847.40 | 900,734.60 | 957,776.70 | 638,354.20 | 47,664.40 | 597,585.50 | 89,346.40 | 217,977.30 | 7,991,702.00 | |||||
| Ingresos financieros por disponibilidades | 8,541.20 | 11,159.70 | 9,953.10 | 15,217.40 | 7,429.40 | 292.70 | 259.90 | 3,752.70 | 862.90 | 766.80 | 58,235.80 | |||||
| Ingresos por inversiones en valores | 352,317.10 | 268,077.00 | 13,301.00 | 142,945.30 | 6,445.30 | 0.00 | 0.00 | 2,910.70 | 0.00 | 647.60 | 786,643.90 | |||||
| Ingresos financieros por cartera de creditos | 1,471,118.80 | 1,118,076.90 | 1,227,470.40 | 737,564.90 | 939,831.20 | 638,013.80 | 46,572.10 | 560,962.40 | 80,275.30 | 215,955.70 | 7,035,841.50 | |||||
| Ingresos financieros por operaciones de valores y derivados | 68.60 | 836.00 | 727.90 | 2,590.70 | 471.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4,694.70 | |||||
| Otros ingresos financieros | 17,489.80 | 34,730.50 | 8,395.10 | 2,416.30 | 3,599.30 | 47.70 | 832.50 | 29,959.60 | 8,208.20 | 607.20 | 106,286.20 | |||||
| Gastos financieros | 664,472.60 | 491,647.30 | 331,498.00 | 254,609.90 | 156,526.60 | 172,131.80 | 24,138.40 | 222,201.50 | 32,616.40 | 49,517.90 | 2,399,360.50 | |||||
| Gastos financieros por obligaciones con el público | 522,785.30 | 369,765.40 | 282,528.90 | 177,331.50 | 124,785.50 | 67,355.60 | 3,288.60 | 34,911.90 | 10,396.20 | 0.00 | 1,593,148.90 | |||||
| Gastos financieros por obligaciones con instituciones financieras y por otros financiamientos | 133,404.60 | 106,182.00 | 47,493.10 | 62,446.10 | 23,263.30 | 95,863.10 | 16,992.60 | 175,658.40 | 22,183.50 | 45,977.20 | 729,464.00 | |||||
| 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 | 6,901.10 | 8,124.40 | 0.00 | 9,633.80 | 0.00 | 8,913.10 | 0.00 | 10,754.90 | 0.00 | 473.60 | 44,801.00 | |||||
| Gastos financieros por operaciones de valores y derivados | 1,381.60 | 826.10 | 844.70 | 485.60 | 85.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 3,623.50 | |||||
| Otros gastos financieros | 0.00 | 6,749.40 | 631.30 | 4,713.00 | 8,392.10 | 0.00 | 3,857.20 | 876.30 | 36.70 | 3,067.20 | 28,323.10 | |||||
| Margen financiero antes de ajuste por posicion monetaria | 1,185,062.80 | 941,232.80 | 928,349.40 | 646,124.70 | 801,250.10 | 466,222.40 | 23,526.00 | 375,384.00 | 56,730.00 | 168,459.40 | 5,592,341.50 | |||||
| Cambios | 159,065.10 | 200,899.10 | 178,961.80 | 71,348.40 | 21,277.10 | 13,259.10 | 1,951.60 | 28,204.10 | 12,069.90 | 15,579.70 | 702,616.00 | |||||
| Por operaciones | 115,511.90 | 163,303.80 | 99,487.60 | 38,123.10 | 0.00 | 9,490.10 | 194.90 | 9,813.40 | 716.70 | 860.80 | 437,502.30 | |||||
| Por valuacion de posicion monetaria | 43,553.20 | 37,595.30 | 79,474.20 | 33,225.30 | 21,277.10 | 3,769.00 | 1,756.70 | 18,390.70 | 11,353.20 | 14,718.90 | 265,113.60 | |||||
| Margen financiero bruto | 1,344,127.90 | 1,142,131.90 | 1,107,311.20 | 717,473.10 | 822,527.20 | 479,481.50 | 25,477.60 | 403,588.10 | 68,799.90 | 184,039.10 | 6,294,957.40 | |||||
| Ingresos (Gastos) netos por estimacion preventiva para riesgos crediticios | -346,196.00 | -145,167.30 | -147,422.00 | -197,838.80 | -463,090.60 | -103,381.50 | -16,181.70 | -89,264.90 | -3,301.00 | -39,806.30 | -1,551,650.00 | |||||
| Margen financiero, neto | 997,931.90 | 996,964.60 | 959,889.20 | 519,634.30 | 359,436.60 | 376,100.00 | 9,295.90 | 314,323.20 | 65,498.90 | 144,232.80 | 4,743,307.40 | |||||
| Ingresos (Gastos) operativos diversos, neto | 410,877.40 | 153,028.10 | 222,272.30 | 60,924.70 | 227,293.70 | 25,964.00 | 1,510.70 | 22,755.60 | 933.10 | 6,682.50 | 1,132,242.20 | |||||
| Ingresos operativos diversos | 436,782.00 | 228,824.10 | 250,213.40 | 122,947.70 | 313,212.10 | 34,893.10 | 3,673.40 | 76,182.90 | 1,639.80 | 8,873.40 | 1,477,241.90 | |||||
| Gastos operativos diversos | 25,904.60 | 75,796.00 | 27,941.10 | 62,023.00 | 85,918.50 | 8,929.10 | 2,162.70 | 53,427.20 | 706.60 | 2,190.90 | 344,999.70 | |||||
| Resultado operativo bruto | 1,408,809.40 | 1,149,992.70 | 1,182,161.50 | 580,559.10 | 586,730.30 | 402,064.00 | 10,806.60 | 337,078.80 | 66,432.00 | 150,915.30 | 5,875,549.60 | |||||
| Participacion en resultado de subsidiarias y asociadas | 0.00 | 2,339.10 | 1,903.70 | 0.00 | 5.60 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 4,248.30 | |||||
| Gastos de administración | 910,077.40 | 711,546.50 | 706,604.20 | 451,017.30 | 405,469.90 | 344,409.80 | 17,597.20 | 257,752.50 | 82,532.30 | 123,760.90 | 4,010,768.00 | |||||
| Resultado antes del impuesto sobre la renta y contribuciones por leyes especiales | 498,732.00 | 440,785.30 | 477,461.00 | 129,541.70 | 181,266.00 | 57,654.10 | -6,790.60 | 79,326.30 | -16,100.20 | 27,154.40 | 1,869,030.00 | |||||
| Contribuciones por leyes especiales (564 y 563) | 53,429.00 | 43,737.50 | 32,589.90 | 20,738.60 | 14,083.30 | 4,653.30 | 897.90 | 4,017.30 | 1,322.70 | 524.60 | 175,994.00 | |||||
| Gasto por Impuesto sobre la renta (Ley 453) | 124,159.30 | 106,128.90 | 137,156.00 | 29,727.30 | 57,657.50 | 15,960.10 | 1,006.40 | 21,196.30 | 660.10 | 7,918.70 | 501,570.60 | |||||
| Resultados del período | 321,143.70 | 290,919.00 | 307,715.10 | 79,075.80 | 109,525.10 | 37,040.70 | -8,694.90 | 54,112.80 | -18,083.00 | 18,711.10 | 1,191,465.40 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A NOVIEMBRE 30/08 C$ 19.7663 X US$ 1.00 | ||||||||||||||||