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| SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) |
| Estado de Resultados Acumulados |
| Del 1° de Enero Al: 31 de Enero del 2009 |
| (Expresado en miles de Córdobas) |
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| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
HSBC |
FAMA |
Sistema Bancario y
Financieras |
| Ingresos
financieros |
178,232.8 |
130,674.9 |
121,661.9 |
84,070.1 |
81,908.1 |
55,606.5 |
4,701.7 |
58,268.8 |
7,874.3 |
21,718.2 |
744,717.2 |
| Ingresos
financieros por disponibilidades |
28.1 |
459.2 |
79.9 |
34.3 |
15.7 |
22.6 |
40.9 |
53.1 |
0.6 |
155.5 |
890.0 |
| Ingresos
por inversiones en valores |
27,752.5 |
19,396.9 |
652.6 |
11,444.2 |
602.7 |
3.2 |
0.0 |
3.9 |
0.0 |
129.2 |
59,985.2 |
| Ingresos
financieros por cartera de creditos |
148,552.0 |
108,984.6 |
120,486.2 |
72,109.2 |
81,216.5 |
55,580.7 |
4,611.2 |
55,083.9 |
7,476.8 |
21,380.1 |
675,481.3 |
| Ingresos
financieros por operaciones de Reportos y valores derivados |
0.0 |
418.4 |
0.0 |
342.1 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
760.5 |
| Otros
ingresos financieros |
1,900.2 |
1,415.7 |
443.2 |
140.4 |
73.1 |
0.0 |
49.5 |
3,127.9 |
396.8 |
53.4 |
7,600.3 |
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| Gastos
financieros |
61,601.5 |
48,345.7 |
32,447.5 |
23,631.1 |
12,915.0 |
16,438.4 |
1,250.5 |
20,932.3 |
3,141.7 |
5,611.2 |
226,315.0 |
| Gastos
financieros por obligaciones con el público |
47,189.6 |
33,078.9 |
26,203.8 |
16,863.2 |
10,467.2 |
6,942.4 |
14.2 |
3,332.0 |
1,419.7 |
0.0 |
145,511.1 |
| Gastos
financieros por obligaciones con instituciones financieras y por otros
financiamientos |
13,385.3 |
12,040.9 |
6,044.4 |
5,801.7 |
1,503.1 |
8,154.0 |
1,230.6 |
16,344.9 |
1,720.5 |
5,177.2 |
71,402.8 |
| Gastos
financieros por otras cuentas por pagar |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
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 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Gastos
financieros por obligaciones subordinadas y obligaciones convertibles en
capital |
496.9 |
3,170.4 |
0.0 |
705.5 |
0.0 |
1,326.4 |
0.0 |
1,188.9 |
0.0 |
274.6 |
7,162.8 |
| Gastos
financieros por operaciones de valores y derivados |
529.7 |
0.0 |
0.0 |
108.6 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
638.3 |
| Otros
gastos financieros |
0.0 |
55.5 |
199.3 |
152.1 |
944.7 |
15.6 |
5.6 |
66.4 |
1.5 |
159.4 |
1,600.1 |
| Margen
financiero antes de ajuste monetario |
116,631.3 |
82,329.2 |
89,214.4 |
60,439.0 |
68,993.1 |
39,168.1 |
3,451.2 |
37,336.5 |
4,732.5 |
16,107.0 |
518,402.2 |
| Ingresos
(Gastos) netos por ajustes monetarios 1\ |
5,099.0 |
2,328.4 |
6,641.6 |
3,085.0 |
1,714.4 |
-664.6 |
154.7 |
1,691.4 |
1,037.0 |
938.6 |
22,025.6 |
| Margen
financiero bruto |
121,730.3 |
84,657.6 |
95,856.0 |
63,524.0 |
70,707.4 |
38,503.5 |
3,605.9 |
39,027.9 |
5,769.5 |
17,045.6 |
540,427.8 |
| Ingresos
(Gastos) netos por estimacion preventiva para riesgos crediticios |
-47,895.6 |
-17,509.9 |
-10,304.8 |
-17,662.8 |
-42,211.2 |
-18,496.0 |
1,338.9 |
-16,638.8 |
627.3 |
-7,270.1 |
-176,023.1 |
| Margen
financiero, neto |
73,834.7 |
67,147.7 |
85,551.2 |
45,861.2 |
28,496.2 |
20,007.5 |
4,944.8 |
22,389.1 |
6,396.8 |
9,775.5 |
364,404.7 |
| Ingresos
(Gastos) operativos diversos, neto 1\ |
38,797.4 |
22,248.8 |
30,096.3 |
12,214.1 |
15,359.7 |
4,180.6 |
-23.7 |
3,359.1 |
261.3 |
-68.8 |
126,424.7 |
| Ingresos
operativos diversos |
53,990.5 |
35,027.3 |
32,688.6 |
20,776.9 |
19,610.6 |
5,261.9 |
101.1 |
9,363.9 |
410.6 |
445.1 |
177,676.5 |
| Gastos
operativos diversos |
15,193.1 |
12,778.6 |
2,592.2 |
8,562.8 |
4,251.0 |
1,081.3 |
124.8 |
6,004.8 |
149.3 |
513.9 |
51,251.8 |
| Resultado
operativo bruto |
112,632.0 |
89,396.5 |
115,647.5 |
58,075.3 |
43,855.9 |
24,188.1 |
4,921.1 |
25,748.2 |
6,658.1 |
9,706.8 |
490,829.4 |
| Participacion
en resultado de subsidiarias y asociadas |
0.0 |
39.9 |
148.8 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
188.7 |
| Gastos
de administración |
79,277.7 |
60,110.9 |
62,358.1 |
43,721.5 |
35,082.1 |
31,508.0 |
1,487.7 |
23,039.0 |
8,258.0 |
11,131.9 |
355,974.8 |
| Resultado
antes del impuesto sobre la renta y contribuciones por leyes especiales |
33,354.3 |
29,325.5 |
53,438.2 |
14,353.9 |
8,773.8 |
-7,320.0 |
3,433.3 |
2,709.2 |
-1,599.9 |
-1,425.1 |
135,043.3 |
| Contribuciones
por leyes especiales (564 y 563) |
5,652.6 |
4,473.6 |
3,535.9 |
2,116.9 |
1,410.3 |
617.1 |
60.2 |
510.7 |
170.3 |
78.5 |
18,626.1 |
| Gasto
por Impuesto sobre la renta (Ley 453) |
7,543.5 |
9,685.4 |
15,212.2 |
3,136.8 |
3,332.8 |
0.0 |
84.3 |
511.4 |
141.2 |
0.0 |
39,647.6 |
| Resultados
del período |
20,158.3 |
15,166.5 |
34,690.1 |
9,100.2 |
4,030.7 |
-7,937.1 |
3,288.8 |
1,687.1 |
-1,911.3 |
-1,503.6 |
76,769.6 |
| LA INFORMACIÓN DE ESTE ESTADO FINANCIERO NO HA SIDO AUDITADA |
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| TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2008 C$ 18.9812 X US$
1.00 |
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| TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2009 C$ 19.9305 X US$
1.00 |
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| 1\ Se incorporaron los ingresos y gastos por operaciones de cambio y arbitraje en las cuentas correspondientes de Ingresos (gastos) operativos diversos, los que estaban incluidos en la cuenta de ingresos (gastos) netos por ajustes monetarios. |
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