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| SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) |
| Estado de Resultados Acumulados |
| Del 1° de Enero Al: 31 de Marzo 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 |
531,184.3 |
379,823.5 |
362,429.7 |
237,118.4 |
256,242.5 |
161,434.6 |
11,825.5 |
166,983.8 |
23,454.5 |
61,284.9 |
2,191,781.8 |
| Ingresos
financieros por disponibilidades |
139.8 |
946.5 |
109.2 |
847.3 |
36.8 |
85.7 |
136.8 |
253.8 |
0.9 |
548.4 |
3,105.3 |
| Ingresos
por inversiones en valores |
77,589.7 |
56,852.0 |
7,629.8 |
28,931.8 |
2,018.9 |
309.9 |
0.0 |
14.3 |
0.0 |
1,293.2 |
174,639.6 |
| Ingresos
financieros por cartera de creditos |
447,042.1 |
313,770.7 |
352,716.4 |
206,658.2 |
253,897.9 |
161,038.9 |
11,582.7 |
158,404.8 |
21,805.9 |
59,274.7 |
1,986,192.4 |
| Ingresos
financieros por operaciones de Reportos y valores derivados |
326.0 |
430.4 |
0.0 |
449.1 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,205.5 |
| Otros
ingresos financieros |
6,086.7 |
7,823.9 |
1,974.3 |
231.9 |
289.0 |
0.0 |
106.0 |
8,310.8 |
1,647.8 |
168.6 |
26,639.0 |
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| Gastos
financieros |
185,340.0 |
145,149.8 |
95,539.8 |
67,569.0 |
35,362.9 |
47,968.3 |
3,573.1 |
61,710.8 |
8,846.5 |
16,615.1 |
667,675.4 |
| Gastos
financieros por obligaciones con el público |
141,171.8 |
97,250.6 |
76,605.2 |
49,210.0 |
30,112.6 |
21,249.3 |
38.1 |
9,602.2 |
3,514.9 |
0.0 |
428,754.7 |
| Gastos
financieros por obligaciones con instituciones financieras y por otros
financiamientos |
42,111.2 |
37,454.0 |
18,193.3 |
15,771.7 |
4,431.1 |
22,806.1 |
3,516.7 |
47,971.1 |
5,311.7 |
15,586.2 |
213,153.0 |
| 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 |
1,527.3 |
9,893.7 |
0.0 |
2,048.9 |
0.0 |
3,866.1 |
0.0 |
3,465.4 |
0.0 |
800.3 |
21,601.7 |
| Gastos
financieros por operaciones de valores y derivados |
529.7 |
378.4 |
141.5 |
108.6 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,158.1 |
| Otros
gastos financieros |
0.0 |
173.1 |
599.9 |
429.9 |
819.2 |
46.8 |
18.3 |
672.1 |
19.9 |
228.6 |
3,007.9 |
| Margen
financiero antes de ajuste monetario |
345,844.4 |
234,673.7 |
266,889.9 |
169,549.3 |
220,879.6 |
113,466.3 |
8,252.4 |
105,273.0 |
14,608.0 |
44,669.8 |
1,524,106.3 |
| Ingresos
(Gastos) netos por ajustes monetarios 1\ |
15,891.2 |
12,204.8 |
29,810.9 |
9,637.0 |
5,245.4 |
-1,218.1 |
464.5 |
5,153.9 |
2,882.1 |
3,686.7 |
83,758.4 |
| Margen
financiero bruto |
361,735.5 |
246,878.5 |
296,700.8 |
179,186.4 |
226,124.9 |
112,248.2 |
8,717.0 |
110,426.9 |
17,490.0 |
48,356.6 |
1,607,864.8 |
| Ingresos
(Gastos) netos por estimacion preventiva para riesgos crediticios |
-162,993.7 |
-57,832.7 |
-47,240.2 |
-52,428.8 |
-128,445.3 |
-40,581.3 |
104.2 |
-40,722.5 |
1,118.0 |
-21,327.4 |
-550,349.8 |
| Margen
financiero, neto |
198,741.8 |
189,045.7 |
249,460.6 |
126,757.6 |
97,679.6 |
71,666.9 |
8,821.2 |
69,704.4 |
18,608.1 |
27,029.1 |
1,057,514.9 |
| Ingresos
(Gastos) operativos diversos, neto 1\ |
127,825.6 |
80,472.4 |
93,234.7 |
13,693.0 |
46,250.0 |
7,721.2 |
-22.6 |
2,720.1 |
628.7 |
859.6 |
373,382.6 |
| Ingresos
operativos diversos |
163,896.0 |
113,999.4 |
99,733.0 |
50,516.3 |
56,987.0 |
12,280.0 |
194.3 |
23,126.4 |
908.2 |
1,611.5 |
523,252.1 |
| Gastos
operativos diversos |
36,070.4 |
33,527.0 |
6,498.3 |
36,823.3 |
10,737.0 |
4,558.9 |
216.9 |
20,406.3 |
279.6 |
751.9 |
149,869.6 |
| Resultado
operativo bruto |
326,567.4 |
269,518.1 |
342,695.3 |
140,450.6 |
143,929.6 |
79,388.0 |
8,798.6 |
72,424.5 |
19,236.7 |
27,888.7 |
1,430,897.5 |
| Participacion
en resultado de subsidiarias y asociadas |
0.0 |
39.9 |
696.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
736.6 |
| Gastos
de administración |
231,653.1 |
177,876.4 |
180,471.2 |
107,328.0 |
110,313.7 |
92,047.7 |
4,596.2 |
68,298.9 |
24,519.1 |
30,237.9 |
1,027,342.2 |
| Resultado
antes del impuesto sobre la renta y contribuciones por leyes especiales |
94,914.3 |
91,681.6 |
162,920.8 |
33,122.6 |
33,615.9 |
-12,659.7 |
4,202.3 |
4,125.6 |
-5,282.4 |
-2,349.2 |
404,291.9 |
| Contribuciones
por leyes especiales (564 y 563) |
16,889.4 |
13,442.4 |
10,593.8 |
6,334.2 |
4,223.5 |
1,848.1 |
180.5 |
1,531.4 |
510.3 |
235.6 |
55,789.1 |
| Gasto
por Impuesto sobre la renta (Ley 453) |
22,489.0 |
21,832.5 |
45,526.6 |
9,298.6 |
9,998.3 |
0.0 |
120.7 |
532.2 |
423.6 |
0.0 |
110,221.4 |
| Resultados
del período |
55,536.0 |
56,406.7 |
106,800.5 |
17,489.8 |
19,394.1 |
-14,507.8 |
3,901.2 |
2,062.1 |
-6,216.3 |
-2,584.8 |
238,281.4 |
| La informacion de este Estado Financiero no ha sido auditada |
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| TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2008 C$ 19.1337 X US$
1.00 |
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| TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2009 C$ 20.0883 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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