|
|
|
|
|
|
|
|
|
|
|
|
| |
TOTAL SISTEMA
FINANCIERO Y BANCARIO (EN PERSPECTIVA) |
| |
Estado de
Resultados Acumulados |
| |
Del 1° de Enero
Al: 31 de Diciembre del 2008 |
| |
(Expresado en
miles de Córdobas) |
| |
|
|
|
|
|
|
|
|
|
|
|
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
HSBC |
FAMA |
Sistema
Bancario y Financieras |
| Ingresos financieros |
2,049,353.10 |
1,568,990.80 |
1,383,330.20 |
984,697.30 |
1,044,162.90 |
697,346.40 |
53,242.60 |
655,820.40 |
98,283.60 |
240,821.00 |
8,776,048.30 |
| Ingresos financieros por disponibilidades |
8,590.50 |
12,489.20 |
10,288.10 |
15,258.30 |
7,438.70 |
307 |
294 |
3,840.60 |
869.1 |
927.2 |
60,302.70 |
| Ingresos por inversiones en valores |
395,830.40 |
287,416.70 |
13,673.10 |
154,730.60 |
7,423.80 |
1.1 |
0 |
2,937.90 |
0 |
836.6 |
862,850.20 |
| Ingresos financieros por cartera de creditos |
1,625,294.60 |
1,230,408.20 |
1,349,064.40 |
808,939.90 |
1,025,065.20 |
696,967.10 |
51,477.60 |
616,617.00 |
87,759.10 |
238,393.50 |
7,729,986.60 |
| Ingresos financieros por operaciones de Reportos y valores
derivados |
68.6 |
1,090.80 |
838.6 |
3,211.40 |
471.5 |
0 |
0 |
0 |
0 |
0 |
5,680.90 |
| Otros ingresos financieros |
19,569.00 |
37,586.00 |
9,466.00 |
2,557.20 |
3,763.60 |
71.2 |
1,470.90 |
32,424.90 |
9,655.40 |
663.8 |
117,227.90 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Gastos financieros |
726,452.00 |
548,027.00 |
363,013.90 |
280,752.20 |
170,445.80 |
190,054.70 |
26,020.10 |
234,583.60 |
35,740.80 |
54,944.40 |
2,630,034.50 |
| Gastos financieros por obligaciones con el público |
570,020.20 |
403,237.60 |
308,131.90 |
196,119.90 |
134,892.20 |
74,577.50 |
3,307.20 |
38,247.90 |
11,694.10 |
0 |
1,740,228.60 |
| Gastos financieros por obligaciones con instituciones
financieras y por otros financiamientos |
147,196.30 |
117,540.10 |
53,623.90 |
68,289.50 |
25,309.10 |
104,759.70 |
18,533.30 |
183,195.10 |
24,009.80 |
51,092.50 |
793,549.30 |
| Gastos financieros por otras cuentas por pagar |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Gastos financieros con oficina central y sucursales |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Gastos financieros por obligaciones subordinadas y obligaciones
convertibles en capital |
7,516.60 |
11,420.80 |
0 |
10,481.00 |
0 |
10,192.20 |
0 |
12,173.50 |
0 |
747 |
52,531.10 |
| Gastos financieros por operaciones de valores y derivados |
1,718.90 |
826.1 |
844.7 |
965.1 |
85.6 |
0 |
0 |
0 |
0 |
0 |
4,440.40 |
| Otros gastos financieros |
0 |
15,002.50 |
413.3 |
4,896.60 |
10,158.90 |
525.4 |
4,179.60 |
967.1 |
36.9 |
3,104.90 |
39,285.20 |
| Margen financiero antes de ajuste monetario |
1,322,901.10 |
1,020,963.80 |
1,020,316.30 |
703,945.20 |
873,717.10 |
507,291.70 |
27,222.40 |
421,236.70 |
62,542.80 |
185,876.70 |
6,146,013.80 |
| Ingresos (Gastos) netos por ajustes monetarios |
50,421.30 |
43,543.80 |
89,625.90 |
37,176.80 |
20,630.90 |
4,733.70 |
1,909.90 |
20,839.00 |
12,344.70 |
15,969.70 |
297,195.60 |
| Margen financiero bruto |
1,373,322.40 |
1,064,507.60 |
1,109,942.20 |
741,122.00 |
894,348.00 |
512,025.30 |
29,132.30 |
442,075.70 |
74,887.40 |
201,846.40 |
6,443,209.40 |
| Ingresos (Gastos) netos por estimacion preventiva para riesgos
crediticios |
-418,266.30 |
-170,116.90 |
-157,780.30 |
-216,852.20 |
-515,869.40 |
-112,993.60 |
-20,809.70 |
-100,914.30 |
-569.6 |
-46,034.30 |
-1,760,206.60 |
| Margen financiero, neto |
955,056.10 |
894,390.70 |
952,162.00 |
524,269.70 |
378,478.60 |
399,031.70 |
8,322.60 |
341,161.50 |
74,317.80 |
155,812.00 |
4,683,002.80 |
| Ingresos (Gastos) operativos diversos, neto |
576,716.60 |
358,840.00 |
358,272.00 |
119,062.50 |
227,270.30 |
39,178.20 |
-720.4 |
28,351.00 |
1,931.90 |
8,289.20 |
1,717,191.30 |
| Ingresos operativos diversos |
691,828.00 |
441,443.80 |
389,033.80 |
210,626.80 |
316,543.30 |
50,908.90 |
3,382.50 |
97,664.80 |
3,437.10 |
11,284.60 |
2,216,153.60 |
| Gastos operativos diversos |
115,111.50 |
82,603.80 |
30,761.80 |
91,564.30 |
89,273.00 |
11,730.60 |
4,102.90 |
69,313.80 |
1,505.20 |
2,995.40 |
498,962.40 |
| Resultado operativo bruto |
1,531,772.70 |
1,253,230.70 |
1,310,434.00 |
643,332.30 |
605,748.90 |
438,209.90 |
7,602.20 |
369,512.50 |
76,249.70 |
164,101.30 |
6,400,194.10 |
| Participacion en resultado de subsidiarias y asociadas |
2,970.70 |
2,339.10 |
2,117.70 |
-351.1 |
2,710.10 |
0 |
0 |
0 |
0 |
0 |
9,786.50 |
| Gastos de administración |
1,009,597.20 |
778,699.10 |
783,751.50 |
494,920.60 |
439,167.30 |
378,860.10 |
19,196.40 |
282,931.70 |
91,208.90 |
133,578.50 |
4,411,911.30 |
| Resultado antes del impuesto sobre la renta y contribuciones por
leyes especiales |
525,146.20 |
476,870.60 |
528,800.20 |
148,060.60 |
169,291.70 |
59,349.80 |
-11,594.20 |
86,580.80 |
-14,959.20 |
30,522.80 |
1,998,069.40 |
| Contribuciones por leyes especiales (564 y 563) |
58,333.70 |
47,752.30 |
35,585.60 |
22,950.20 |
15,378.40 |
5,079.80 |
980.4 |
5,409.50 |
1,443.50 |
572.3 |
193,485.70 |
| Gasto por Impuesto sobre la renta (Ley 453) |
125,313.10 |
120,567.60 |
151,265.60 |
35,897.00 |
49,767.80 |
16,340.90 |
461 |
25,785.00 |
2,057.00 |
8,559.40 |
536,014.40 |
| Resultados del período |
341,499.40 |
308,550.70 |
341,949.00 |
89,213.40 |
104,145.50 |
37,929.10 |
-13,035.50 |
55,386.30 |
-18,459.70 |
21,391.10 |
1,268,569.20 |
| La informacion de este Estado Financiero no ha sido auditada |
| TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2008 C$ 19.8481 X
US$ 1.00 |
|
|
|
|
|
|
|
|
|
|
|
|