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| SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) |
| Estado de Resultados Acumulados |
| Del 1° de Enero Al: 30 de Junio 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 Financiero |
| Ingresos
financieros |
1,043,588.8 |
778,388.6 |
754,377.3 |
476,822.2 |
518,304.1 |
322,699.6 |
24,671.5 |
338,436.7 |
46,322.2 |
118,688.7 |
4,422,299.6 |
| Ingresos
financieros por disponibilidades |
522.9 |
1,639.3 |
204.9 |
3,053.5 |
51.7 |
188.3 |
255.2 |
565.7 |
16.1 |
947.7 |
7,445.4 |
| Ingresos
por inversiones en valores |
155,810.5 |
135,300.6 |
25,300.1 |
56,958.8 |
5,587.5 |
616.9 |
0.0 |
655.6 |
0.0 |
4,252.1 |
384,482.1 |
| Ingresos
financieros por cartera de creditos |
873,169.8 |
622,428.8 |
725,334.2 |
415,833.4 |
512,208.8 |
321,872.3 |
24,255.6 |
320,709.6 |
40,195.3 |
113,151.7 |
3,969,159.4 |
| Ingresos
financieros por operaciones de Reportos y valores derivados |
341.3 |
430.4 |
0.0 |
634.1 |
0.0 |
0.0 |
0.0 |
79.8 |
0.0 |
0.0 |
1,485.7 |
| Otros
ingresos financieros |
13,744.2 |
18,589.5 |
3,538.0 |
342.5 |
456.1 |
22.1 |
160.7 |
16,426.1 |
6,110.8 |
337.2 |
59,727.1 |
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| Gastos
financieros |
379,623.9 |
290,734.0 |
196,434.4 |
134,181.1 |
70,930.5 |
95,107.2 |
6,834.5 |
124,069.8 |
13,710.7 |
32,291.7 |
1,343,917.9 |
| Gastos
financieros por obligaciones con el público |
289,177.0 |
197,599.0 |
158,979.3 |
98,941.7 |
61,436.0 |
40,720.4 |
53.5 |
21,096.9 |
3,622.2 |
0.0 |
871,626.0 |
| Gastos
financieros por obligaciones con instituciones financieras y por otros
financiamientos |
86,964.3 |
71,924.4 |
36,107.0 |
30,441.7 |
8,502.0 |
46,470.3 |
6,749.0 |
95,055.5 |
9,490.4 |
30,314.4 |
422,019.0 |
| 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 |
2,952.9 |
19,382.3 |
0.0 |
4,048.3 |
0.0 |
7,822.8 |
0.0 |
7,012.2 |
0.0 |
1,619.5 |
42,837.9 |
| Gastos
financieros por operaciones de valores y derivados |
529.7 |
726.3 |
141.5 |
108.6 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,506.1 |
| Otros
gastos financieros |
0.0 |
1,102.0 |
1,206.7 |
640.7 |
992.4 |
93.6 |
32.1 |
905.4 |
598.1 |
357.9 |
5,928.9 |
| Margen
financiero antes de ajuste monetario |
663,964.8 |
487,654.6 |
557,942.8 |
342,641.2 |
447,373.6 |
227,592.5 |
17,837.0 |
214,366.8 |
32,611.4 |
86,396.9 |
3,078,381.7 |
| Ingresos
(Gastos) netos por ajustes monetarios 1\ |
31,891.6 |
28,734.6 |
65,371.9 |
20,040.4 |
12,393.4 |
-2,420.7 |
972.4 |
10,419.2 |
5,813.3 |
8,104.8 |
181,320.8 |
| Margen
financiero bruto |
695,856.4 |
516,389.1 |
623,314.7 |
362,681.6 |
459,767.0 |
225,171.8 |
18,809.4 |
224,786.0 |
38,424.7 |
94,501.7 |
3,259,702.5 |
| Ingresos
(Gastos) netos por estimacion preventiva para riesgos crediticios |
-272,477.1 |
-150,498.3 |
-124,078.9 |
-122,171.5 |
-282,164.8 |
-95,179.1 |
-3,073.7 |
-89,087.4 |
-4,443.9 |
-36,206.1 |
-1,179,380.7 |
| Margen
financiero, neto |
423,379.3 |
365,890.8 |
499,235.8 |
240,510.2 |
177,602.2 |
129,992.7 |
15,735.8 |
135,698.7 |
33,980.8 |
58,295.7 |
2,080,321.9 |
| Ingresos
(Gastos) operativos diversos, neto 1\ |
242,996.7 |
169,921.5 |
175,494.4 |
22,917.6 |
101,210.1 |
13,490.5 |
109.4 |
4,167.5 |
588.4 |
2,450.5 |
733,346.7 |
| Ingresos
operativos diversos |
292,340.7 |
229,107.3 |
189,115.3 |
96,051.4 |
115,815.7 |
23,643.2 |
459.8 |
52,079.2 |
2,026.1 |
4,220.8 |
1,004,859.5 |
| Gastos
operativos diversos |
49,344.0 |
59,185.7 |
13,620.9 |
73,133.9 |
14,605.5 |
10,152.7 |
350.5 |
47,911.7 |
1,437.7 |
1,770.3 |
271,512.8 |
| Resultado
operativo bruto |
666,376.0 |
535,812.4 |
674,730.1 |
263,427.7 |
278,812.3 |
143,483.2 |
15,845.1 |
139,866.2 |
34,569.2 |
60,746.2 |
2,813,668.5 |
| Participacion
en resultado de subsidiarias y asociadas |
0.0 |
189.6 |
1,369.4 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,559.0 |
| Gastos
de administración |
469,500.2 |
353,922.3 |
361,273.6 |
221,475.9 |
210,780.0 |
179,132.4 |
9,161.6 |
134,326.9 |
46,155.1 |
60,087.8 |
2,045,816.0 |
| Resultado
antes del impuesto sobre la renta y contribuciones por leyes especiales |
196,875.8 |
182,079.6 |
314,825.9 |
41,951.8 |
68,032.3 |
-35,649.2 |
6,683.5 |
5,539.3 |
-11,585.9 |
658.4 |
769,411.5 |
| Contribuciones
por leyes especiales (564 y 563) |
33,666.4 |
26,720.4 |
21,162.5 |
12,318.0 |
8,440.5 |
3,692.6 |
361.1 |
3,062.8 |
1,020.5 |
471.1 |
110,916.1 |
| Gasto
por Impuesto sobre la renta (Ley 453) |
44,907.2 |
43,532.5 |
87,028.5 |
18,134.0 |
19,996.6 |
0.0 |
271.0 |
77.3 |
847.1 |
0.0 |
214,794.2 |
| Resultados
del período |
118,302.2 |
111,826.7 |
206,634.8 |
11,499.8 |
39,595.2 |
-39,341.8 |
6,051.4 |
2,399.3 |
-13,453.6 |
187.3 |
443,701.2 |
| La informacion de este Estado Financiero no ha sido auditada |
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| TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2008 C$ 19.3672 X US$
1.00 |
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| TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2009 C$ 20.3342 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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