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| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERSPECTIVA) |
| Estado de Resultados Acumulados |
| Del 1° de Enero Al: 30 de Abril 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 |
702,513.6 |
511,362.1 |
489,289.0 |
316,336.6 |
341,829.4 |
214,500.7 |
15,630.1 |
222,356.3 |
33,285.8 |
80,758.0 |
2,927,861.5 |
| Ingresos
financieros por disponibilidades |
260.2 |
1,194.8 |
132.5 |
1,450.7 |
40.9 |
121.1 |
184.0 |
348.5 |
3.0 |
686.7 |
4,422.3 |
| Ingresos
por inversiones en valores |
103,119.3 |
80,637.6 |
12,578.9 |
38,145.8 |
2,809.5 |
499.7 |
0.0 |
191.7 |
0.0 |
2,447.0 |
240,429.5 |
| Ingresos
financieros por cartera de creditos |
590,742.3 |
417,586.7 |
474,132.9 |
275,891.3 |
338,656.9 |
213,879.9 |
15,324.7 |
210,864.2 |
28,558.3 |
77,400.5 |
2,643,037.6 |
| Ingresos
financieros por operaciones de Reportos y valores derivados |
341.3 |
430.4 |
0.0 |
565.6 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,337.4 |
| Otros
ingresos financieros |
8,050.5 |
11,512.6 |
2,444.7 |
283.2 |
322.1 |
0.0 |
121.4 |
10,951.9 |
4,724.5 |
223.8 |
38,634.7 |
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| Gastos
financieros |
248,715.0 |
192,714.4 |
128,394.1 |
89,356.1 |
46,131.6 |
63,790.7 |
4,684.5 |
82,901.2 |
10,859.0 |
22,043.0 |
889,589.6 |
| Gastos
financieros por obligaciones con el público |
189,147.4 |
130,427.4 |
103,107.1 |
65,367.3 |
40,236.1 |
28,687.9 |
44.8 |
13,267.7 |
3,608.4 |
0.0 |
573,894.1 |
| Gastos
financieros por obligaciones con instituciones financieras y por otros
financiamientos |
57,038.0 |
47,986.8 |
24,344.0 |
20,597.0 |
5,815.7 |
29,875.2 |
4,616.2 |
64,231.1 |
7,226.2 |
20,703.7 |
282,433.9 |
| 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 |
2,000.0 |
13,239.3 |
0.0 |
2,711.6 |
0.0 |
5,165.3 |
0.0 |
4,629.8 |
0.0 |
1,069.3 |
28,815.2 |
| Gastos
financieros por operaciones de valores y derivados |
529.7 |
620.9 |
141.5 |
108.6 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,400.6 |
| Otros
gastos financieros |
0.0 |
439.9 |
801.6 |
571.6 |
79.8 |
62.4 |
23.5 |
772.6 |
24.4 |
270.0 |
3,045.8 |
| Margen
financiero antes de ajuste monetario |
453,798.6 |
318,647.7 |
360,894.9 |
226,980.5 |
295,697.8 |
150,710.0 |
10,945.6 |
139,455.1 |
22,426.8 |
58,715.0 |
2,038,271.9 |
| Ingresos
(Gastos) netos por ajustes monetarios |
23,051.5 |
17,801.2 |
38,556.8 |
13,268.7 |
9,088.6 |
-1,873.0 |
629.9 |
6,737.6 |
3,842.4 |
5,147.7 |
116,251.4 |
| Margen
financiero bruto |
476,850.1 |
336,449.0 |
399,451.7 |
240,249.2 |
304,786.4 |
148,836.9 |
11,575.4 |
146,192.7 |
26,269.2 |
63,862.7 |
2,154,523.3 |
| Ingresos
(Gastos) netos por estimacion preventiva para riesgos crediticios |
-204,697.0 |
-97,173.0 |
-63,410.2 |
-64,678.3 |
-170,146.0 |
-65,676.0 |
-1,047.0 |
-53,891.7 |
-1,079.1 |
-23,737.0 |
-745,535.5 |
| Margen
financiero, neto |
272,153.0 |
239,275.9 |
336,041.5 |
175,570.8 |
134,640.4 |
83,160.9 |
10,528.4 |
92,301.0 |
25,190.1 |
40,125.7 |
1,408,987.7 |
| Ingresos
(Gastos) operativos diversos, neto |
160,995.9 |
112,007.3 |
121,779.0 |
14,556.1 |
61,535.0 |
8,014.9 |
20.9 |
3,057.9 |
959.1 |
1,247.5 |
484,173.6 |
| Ingresos
operativos diversos |
198,680.1 |
154,085.0 |
131,587.7 |
64,259.0 |
74,720.6 |
15,339.9 |
289.4 |
32,499.1 |
1,309.9 |
2,174.7 |
674,945.5 |
| Gastos
operativos diversos |
37,684.2 |
42,077.8 |
9,808.7 |
49,702.9 |
13,185.6 |
7,325.0 |
268.4 |
29,441.2 |
350.8 |
927.2 |
190,771.9 |
| Resultado
operativo bruto |
433,149.0 |
351,283.2 |
457,820.5 |
190,127.0 |
196,175.3 |
91,175.8 |
10,549.3 |
95,358.8 |
26,149.2 |
41,373.2 |
1,893,161.3 |
| Participacion
en resultado de subsidiarias y asociadas |
0.0 |
189.6 |
913.8 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,103.4 |
| Gastos
de administración |
307,095.4 |
238,725.4 |
237,528.0 |
145,522.2 |
147,029.0 |
121,278.4 |
6,159.9 |
90,465.8 |
31,716.1 |
40,043.6 |
1,365,563.9 |
| Resultado
antes del impuesto sobre la renta y contribuciones por leyes especiales |
126,053.6 |
112,747.4 |
221,206.4 |
44,604.7 |
49,146.3 |
-30,102.6 |
4,389.4 |
4,893.0 |
-5,566.9 |
1,329.6 |
528,700.8 |
| Contribuciones
por leyes especiales (564 y 563) |
22,472.2 |
17,822.3 |
14,111.8 |
8,434.8 |
5,626.4 |
2,462.1 |
240.7 |
2,041.5 |
680.2 |
314.1 |
74,206.0 |
| Gasto
por Impuesto sobre la renta (Ley 453) |
29,961.7 |
27,132.5 |
61,544.5 |
12,199.2 |
13,331.1 |
0.0 |
138.3 |
549.9 |
564.8 |
303.5 |
145,725.5 |
| Resultados
del período |
73,619.7 |
67,792.5 |
145,550.0 |
23,970.7 |
30,188.8 |
-32,564.7 |
4,010.5 |
2,301.6 |
-6,811.8 |
712.0 |
308,769.3 |
| La informacion de este Estado Financiero no ha sido auditada |
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| TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2008 C$ 19.2103 X US$
1.00 |
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| TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2009 C$ 20.1690 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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