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CONSOLIDADO BANCOS COMERCIALES

ESTADO DE RESULTADOS CONDENSADO


Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 9,438,102.4 10,489,104.9 973,214.8 1,937,919.4 2,987,151.4 4,031,807.3 5,092,042.9

INTERESES 8,825,962.2 9,766,555.0 914,671.4 1,818,587.0 2,797,991.5 3,768,594.4 4,756,369.5


Sobre Disponibilidades 33,786.9 38,685.0 4,688.3 9,031.3 14,874.5 19,996.9 26,560.6
Sobre Inversiones 1,333,355.1 1,524,451.1 162,862.0 320,560.7 505,058.9 685,513.3 872,587.6
Sobre Cartera de Préstamos 7,137,702.9 7,891,151.9 708,069.9 1,412,826.1 2,164,242.9 2,913,910.1 3,671,019.4
Préstamos Hipotecarios 1,156,801.9 1,284,983.6 117,741.7 236,908.1 356,495.2 483,056.3 615,396.6
Préstamos Fiduciarios 1,754,823.3 1,929,782.1 189,559.5 377,360.7 573,771.7 778,832.7 988,403.2
Préstamos con Garantía Accesoria 1,564,049.9 1,714,174.5 155,739.1 312,242.0 491,712.2 652,119.3 816,697.5
Otros Préstamos 2,662,027.9 2,962,211.7 245,029.6 486,315.3 742,263.8 999,901.8 1,250,522.1
Otros 321,117.3 312,267.1 39,051.2 76,168.9 113,815.2 149,174.1 186,202.0

DIV. SOBRE ACCIONES Y PART. 70,144.4 92,547.3 2,529.3 10,935.3 18,137.1 27,670.9 33,801.2

COMISIONES 472,063.3 558,472.1 54,339.7 104,955.1 166,222.3 227,382.4 290,648.3

OTROS PRODUCTOS 69,932.6 71,530.6 1,674.4 3,442.0 4,800.6 8,159.6 11,223.8

GASTOS FINANCIEROS 4,133,742.7 4,573,206.3 431,365.2 864,194.1 1,320,109.0 1,779,209.5 2,246,177.2

INTERESES 4,059,156.1 4,490,396.6 423,630.1 848,594.4 1,292,513.0 1,746,167.9 2,202,990.8


Sobre Depósitos en Cta. de Cheques 138,676.6 150,723.7 12,666.1 24,046.3 37,448.8 50,532.0 61,861.2
Sobre Depósitos de Ahorro 1,190,845.9 1,311,691.9 127,042.6 255,723.5 391,994.4 527,258.3 660,841.1
Sobre Depósitos a Plazo 1,634,470.5 1,804,482.7 172,447.0 348,230.9 534,213.3 724,090.0 913,287.7
Otras Obligaciones 1,095,163.1 1,223,498.4 111,474.4 220,593.7 328,856.5 444,287.7 567,000.8

COMISIONES 36,803.1 43,185.7 5,374.5 10,709.6 19,843.0 26,783.7 34,245.5

OTROS GASTOS 37,783.5 39,624.0 2,360.6 4,890.1 7,753.0 6,257.9 8,940.9

RESULTADO FINANCIERO 5,304,359.7 5,915,898.6 541,849.6 1,073,725.3 1,667,042.4 2,252,597.8 2,845,865.7

PRODUCTOS POR SERVICIOS 1,533,816.8 1,751,705.9 153,517.2 308,907.2 486,518.2 637,001.9 821,225.4

COMISIONES 1,061,331.9 1,195,719.5 105,202.3 206,407.3 328,523.0 430,594.6 555,963.4


Giros y Transferencias 162,286.5 181,611.4 15,592.2 31,393.4 49,911.1 65,527.8 83,926.6
Fideicomisos y Administración 67,701.8 78,082.5 5,715.8 11,498.9 19,247.1 25,845.9 33,442.7
Otras 831,343.6 936,025.6 83,894.3 163,515.0 259,364.8 339,220.9 438,594.1

ARRENDAMIENTOS 39,722.1 44,589.1 3,393.6 7,200.3 11,152.7 15,132.5 19,089.6

OTROS 432,762.8 511,397.4 44,921.4 95,299.7 146,842.5 191,274.8 246,172.5

GTOS. DE ADMINISTRACION 5,304,256.2 5,858,856.7 515,127.7 1,055,128.6 1,587,205.3 2,132,657.7 2,681,538.1

GASTOS EN PERSONAL 1,990,917.9 2,184,906.8 195,341.0 399,588.1 606,180.2 809,741.4 1,024,161.4


Consejeros y Directores 38,877.0 45,927.2 3,429.1 7,009.6 11,346.9 15,546.7 20,629.2
Sueldos 882.5 991.6 84.1 168.2 546.4 928.2 1,310.1
Otros 37,994.5 44,935.6 3,345.0 6,841.3 10,800.5 14,618.4 19,319.1
Funcionarios y Empleados 1,952,040.9 2,138,979.6 191,911.9 392,578.5 594,833.3 794,194.7 1,003,532.2
Sueldos 1,372,560.3 1,507,264.1 138,760.1 280,831.3 420,930.4 566,008.7 712,761.0
Otros 579,480.6 631,715.5 53,151.7 111,747.2 173,902.9 228,186.0 290,771.1

DEPRECIACIONES Y AMORT. 1,140,381.8 1,289,792.9 104,915.6 222,274.9 320,867.6 421,283.0 534,971.9


Muebles e Inmuebles 252,105.5 275,897.2 24,602.7 49,386.7 74,667.6 100,249.5 126,552.0
Créditos de Dudoso Recaudo 514,067.4 596,547.4 50,926.6 112,709.0 156,270.1 203,464.3 237,224.9
Otros 374,208.9 417,348.3 29,386.2 60,179.2 89,929.9 117,569.2 171,280.6

GASTOS DIVERSOS 2,172,956.4 2,384,157.0 214,871.2 433,265.6 660,157.5 901,633.3 1,122,404.9


Impuestos y Contribuciones 73,559.2 86,221.2 7,014.1 13,397.2 19,244.9 25,293.0 31,714.9
Arrendamientos 260,906.6 286,757.1 24,678.6 51,154.0 76,697.7 101,493.3 128,088.4
Reparaciones y Mantenimiento 170,194.9 190,218.3 15,179.7 31,726.9 49,621.1 66,546.0 84,454.5
Otros Gastos 1,668,295.7 1,820,960.4 167,998.9 336,987.5 514,593.9 708,300.9 878,147.1

RESULTADO DE OPERACION 1,533,920.4 1,808,747.8 180,239.1 327,504.0 566,355.3 756,942.0 985,553.0

PRODUC. EXTRAORDINARIOS 273,675.6 312,661.8 11,833.8 45,883.8 65,850.7 84,193.3 119,712.6

EGRESOS EXTRAORDINARIOS 55,746.0 65,118.2 4,992.5 6,577.9 15,988.6 19,386.8 24,329.6

RESULTADOS DE EJERC. ANT. 36,364.9 45,692.5 4,998.0 7,389.9 13,214.9 14,966.4 20,949.6

GTOS. DE EJERC. ANTERIORES 23,283.6 40,855.2 1,766.6 2,587.7 3,754.2 4,243.1 6,491.2

IMPUESTO SOBRE LA RENTA 445,013.8 522,308.1 53,855.2 98,261.8 164,258.6 223,078.1 294,525.3

RESULTADOS DEL EJERCICIO 1,319,917.5 1,538,820.5 136,456.6 273,350.3 461,419.4 609,393.7 800,869.0

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

6,174,902.0 7,234,201.7 8,289,551.7 9,386,223.2 10,485,154.0 11,671,158.7 12,927,728.5 1,171,743.6

5,753,152.0 6,742,067.8 7,721,338.6 8,734,745.5 9,748,066.3 10,846,797.8 12,010,002.4 1,107,545.2


31,119.7 36,312.5 41,052.9 48,960.1 51,492.3 56,375.7 62,385.4 5,465.1
1,061,475.5 1,235,552.4 1,405,264.5 1,566,897.5 1,717,412.9 1,863,526.2 2,038,278.7 143,716.9
4,431,384.4 5,191,147.2 5,950,641.2 6,747,984.3 7,561,811.8 8,454,827.3 9,386,910.7 909,858.5
750,447.6 882,870.4 1,019,612.8 1,173,766.7 1,322,719.7 1,491,285.7 1,654,519.8 160,935.6
1,197,558.5 1,409,378.8 1,616,381.3 1,833,579.9 2,060,418.5 2,295,618.2 2,533,859.9 241,582.4
981,464.3 1,141,266.7 1,304,084.8 1,469,508.2 1,635,894.3 1,809,686.1 1,990,117.3 179,665.5
1,501,914.0 1,757,631.3 2,010,562.4 2,271,129.4 2,542,779.3 2,858,237.4 3,208,413.7 327,675.0
229,172.4 279,055.9 324,380.1 370,903.6 417,349.4 472,068.6 522,427.6 48,504.7

48,384.8 55,955.2 63,273.8 70,392.6 77,884.9 85,446.6 107,654.9 5,253.0

358,869.8 419,500.5 486,880.2 562,247.5 638,774.5 718,712.7 786,280.7 57,485.6

14,495.4 16,678.2 18,059.1 18,837.6 20,428.4 20,201.6 23,790.5 1,459.8

2,692,672.1 3,133,232.6 3,567,584.9 4,013,337.4 4,441,334.4 4,880,610.7 5,340,536.0 471,512.9

2,639,465.6 3,069,194.4 3,492,825.2 3,928,227.0 4,344,117.4 4,775,594.1 5,221,150.0 459,541.5


72,875.9 82,343.4 94,710.1 108,301.4 118,039.3 129,601.7 141,584.6 12,834.0
787,574.7 918,697.2 1,045,742.8 1,172,117.3 1,296,208.5 1,419,991.1 1,547,739.0 133,067.3
1,095,019.3 1,271,754.3 1,441,680.2 1,610,564.3 1,777,385.9 1,942,383.7 2,107,094.2 165,886.8
683,995.7 796,399.5 910,692.1 1,037,244.1 1,152,483.8 1,283,617.6 1,424,732.2 147,753.3

41,992.1 50,400.2 58,674.0 66,570.8 75,811.7 81,064.9 91,642.2 8,335.3

11,214.5 13,638.0 16,085.8 18,539.6 21,405.2 23,951.8 27,743.8 3,636.2

3,482,229.9 4,100,969.1 4,721,966.7 5,372,885.8 6,043,819.7 6,790,548.0 7,587,192.5 700,230.7

985,224.8 1,157,728.0 1,341,792.8 1,507,838.0 1,695,295.5 1,876,685.7 2,102,411.9 193,036.3

670,572.4 789,221.2 916,160.2 1,031,885.6 1,157,324.7 1,281,444.0 1,437,843.9 133,398.1


105,782.7 125,640.1 140,419.1 165,979.4 185,457.0 205,806.4 226,309.1 20,055.0
39,792.9 46,178.6 54,707.3 60,492.1 67,650.5 77,559.0 89,247.6 4,854.3
524,996.9 617,402.5 721,033.8 805,414.1 904,217.2 998,078.7 1,122,287.1 108,488.9

22,820.3 27,022.6 32,231.0 35,704.7 39,475.0 42,948.1 46,462.9 3,901.4

291,832.1 341,484.3 393,401.6 440,247.7 498,495.8 552,293.6 618,105.1 55,736.8

3,245,629.7 3,837,989.9 4,438,177.6 5,043,537.2 5,653,996.2 6,294,375.6 7,104,753.5 642,855.6

1,234,970.4 1,449,316.1 1,668,478.6 1,884,532.5 2,102,911.8 2,329,683.6 2,557,582.5 233,027.8


25,422.3 30,125.8 34,545.3 38,221.5 42,247.1 46,924.8 56,808.8 3,613.1
1,692.0 2,073.9 2,455.8 2,837.7 3,219.6 3,676.5 4,803.4 312.9
23,730.2 28,051.9 32,089.4 35,383.8 39,027.5 43,248.3 52,005.4 3,300.2
1,209,548.1 1,419,190.3 1,633,933.4 1,846,311.0 2,060,664.7 2,282,758.9 2,500,773.7 229,414.7
854,537.7 1,004,222.6 1,153,860.6 1,301,367.0 1,453,222.4 1,605,473.5 1,756,984.7 161,089.0
355,010.4 414,967.7 480,072.8 544,944.0 607,442.3 677,285.4 743,789.0 68,325.7

647,064.4 781,634.8 914,420.4 1,040,890.4 1,165,345.0 1,319,773.3 1,592,415.7 141,278.1


153,036.8 180,279.0 207,762.5 236,150.2 262,106.3 291,146.7 321,543.2 32,697.7
286,189.7 365,446.5 440,497.6 511,516.6 582,918.9 661,256.3 854,453.3 70,845.9
207,918.1 236,075.1 266,409.1 293,552.6 320,731.7 367,865.1 416,996.9 37,817.4

1,363,594.9 1,607,039.0 1,855,278.5 2,118,114.3 2,385,739.4 2,644,918.7 2,954,755.4 268,549.7


37,967.5 44,817.2 52,768.9 59,562.5 65,980.5 72,590.8 78,155.4 8,463.9
154,772.7 181,452.4 208,534.3 236,518.5 264,182.9 293,008.2 323,499.6 30,137.7
103,185.4 121,082.0 140,511.0 158,487.2 178,747.0 199,076.6 227,053.7 18,680.8
1,067,669.4 1,259,687.4 1,453,464.3 1,663,546.2 1,876,829.1 2,080,243.1 2,326,046.7 211,267.3

1,221,825.0 1,420,707.2 1,625,581.9 1,837,186.5 2,085,118.9 2,372,858.1 2,584,850.9 250,411.4

163,523.6 200,338.1 245,731.8 268,993.3 283,569.8 316,994.6 347,555.6 27,945.6

28,697.1 34,100.1 39,451.4 41,923.0 48,331.8 67,753.1 70,557.7 2,180.9

26,336.6 30,162.3 34,740.9 36,162.5 36,424.7 39,157.4 65,815.3 3,535.0

6,928.4 7,528.1 7,559.5 8,532.6 9,539.9 11,704.1 17,078.2 1,645.2

365,925.4 429,668.9 494,299.3 560,027.6 628,050.6 713,584.9 766,522.3 72,081.5

1,010,134.2 1,179,910.6 1,364,744.5 1,531,859.1 1,719,191.1 1,935,967.9 2,144,063.6 205,984.4


BANCO ATLANTIDA, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 1,275,109.1 1,437,880.9 137,449.6 274,435.0 424,852.8 571,212.3 721,050.4

INTERESES 1,223,193.4 1,376,973.1 133,712.0 267,529.9 412,424.7 551,845.3 694,533.9


Sobre Disponibilidades 16,256.0 18,446.0 2,357.8 4,219.6 7,044.4 9,260.4 12,789.4
Sobre Inversiones 198,189.5 221,320.4 28,615.2 55,097.4 85,360.7 116,359.8 145,665.4
Sobre Cartera de Préstamos 989,913.1 1,115,180.4 102,285.0 207,283.7 318,028.8 423,571.6 532,691.3
Préstamos Hipotecarios 15,850.6 17,929.5 1,974.4 4,197.1 6,521.9 9,269.6 12,892.7
Préstamos Fiduciarios 247,900.5 285,034.7 37,310.9 74,949.4 110,996.1 149,943.4 192,078.2
Préstamos con Garantía Accesoria 346,999.7 383,919.8 31,532.3 64,264.9 104,473.8 136,630.5 168,738.7
Otros Préstamos 379,162.3 428,296.3 31,467.4 63,872.4 96,037.0 127,728.1 158,981.7
Otros 18,834.8 22,026.3 454.1 929.3 1,990.9 2,653.6 3,387.8

DIV. SOBRE ACCIONES Y PART. 2,229.4 2,332.0 0.0 115.6 115.6 1,030.9 1,052.1

COMISIONES 44,620.9 53,397.8 3,717.5 6,789.5 12,245.5 18,206.0 25,200.2

OTROS PRODUCTOS 5,065.4 5,178.0 20.1 0.0 67.0 130.0 264.3

GASTOS FINANCIEROS 510,366.8 562,843.2 54,225.9 110,085.0 165,222.8 220,724.2 275,442.4

INTERESES 499,966.8 551,168.8 52,979.6 107,446.3 161,474.4 215,991.0 269,570.0


Sobre Depósitos en Cta. de Cheques 11,059.8 11,761.9 910.5 1,700.2 2,550.1 3,299.6 4,082.2
Sobre Depósitos de Ahorro 208,579.7 230,532.8 22,543.8 45,436.5 67,978.9 89,645.0 111,950.2
Sobre Depósitos a Plazo 174,392.6 192,960.6 19,919.5 41,072.6 62,879.8 85,574.8 107,443.9
Otras Obligaciones 105,934.7 115,913.6 9,605.9 19,237.0 28,065.7 37,471.6 46,093.7

COMISIONES 10,400.0 11,539.3 1,246.3 2,638.7 3,748.4 4,733.2 5,872.4

OTROS GASTOS 0.0 135.1 0.0 0.0 0.0 0.0 0.0

RESULTADO FINANCIERO 764,742.3 875,037.7 83,223.7 164,350.0 259,629.9 350,488.1 445,608.1

PRODUCTOS POR SERVICIOS 258,254.2 294,443.5 24,126.1 46,166.0 72,487.1 94,668.7 123,176.8

COMISIONES 198,473.9 226,274.1 18,090.4 34,384.1 54,914.0 71,195.4 93,002.6


Giros y Transferencias 40,926.6 45,068.7 4,097.0 7,997.4 12,499.3 16,712.0 21,236.1
Fideicomisos y Administración 12,157.6 13,960.5 820.0 2,055.1 3,110.1 3,905.6 5,011.0
Otras 145,389.6 167,244.9 13,173.4 24,331.5 39,304.6 50,577.9 66,755.4

ARRENDAMIENTOS 6,651.7 7,745.1 677.4 1,400.3 2,150.4 2,799.3 3,560.5

OTROS 53,128.7 60,424.3 5,358.3 10,381.6 15,422.7 20,673.9 26,613.7

GTOS. DE ADMINISTRACION 774,208.1 868,382.4 70,769.7 144,456.0 219,247.7 293,787.3 370,206.0

GASTOS EN PERSONAL 268,355.0 289,804.1 27,608.1 55,729.0 84,257.6 111,810.0 141,340.2


Consejeros y Directores 2,082.9 2,442.9 216.0 420.0 906.0 1,512.0 2,064.0
Sueldos 0.0 0.0 0.0 0.0 294.0 588.0 882.0
Otros 2,082.9 2,442.9 216.0 420.0 612.0 924.0 1,182.0
Funcionarios y Empleados 266,272.1 287,361.3 27,392.1 55,309.0 83,351.6 110,298.0 139,276.2
Sueldos 186,981.2 205,113.4 19,510.4 39,266.7 58,738.5 78,328.1 98,243.8
Otros 79,290.9 82,247.9 7,881.7 16,042.3 24,613.2 31,969.9 41,032.4

DEPRECIACIONES Y AMORT. 175,805.0 210,943.2 11,479.9 23,328.8 35,412.0 47,524.0 59,652.1


Muebles e Inmuebles 32,267.9 35,579.2 3,187.9 6,747.5 10,539.0 14,395.8 18,280.7
Créditos de Dudoso Recaudo 65,732.1 94,329.5 3,638.9 7,272.2 10,923.2 14,582.4 18,259.9
Otros 77,805.0 81,034.5 4,653.1 9,309.1 13,949.8 18,545.8 23,111.5

GASTOS DIVERSOS 330,048.2 367,635.0 31,681.6 65,398.3 99,578.1 134,453.3 169,213.8


Impuestos y Contribuciones 22,167.2 26,813.9 779.6 1,519.5 2,253.2 3,017.4 3,744.8
Arrendamientos 24,406.4 26,331.7 1,703.3 3,747.9 5,581.8 7,368.2 9,720.8
Reparaciones y Mantenimiento 24,501.7 28,413.1 2,063.5 4,019.6 6,355.6 8,640.4 11,282.4
Otros Gastos 258,972.9 286,076.2 27,135.1 56,111.3 85,387.5 115,427.2 144,465.7

RESULTADO DE OPERACION 248,788.3 301,098.8 36,580.1 66,059.9 112,869.4 151,369.5 198,578.9

PRODUC. EXTRAORDINARIOS 56,284.3 69,804.8 1,042.8 2,509.7 3,149.9 3,683.3 6,716.0

EGRESOS EXTRAORDINARIOS 2,456.5 3,359.2 0.0 1,337.0 1,337.0 1,337.0 1,919.4

RESULTADOS DE EJERC. ANT. 477.9 2,861.2 45.5 99.0 151.4 163.7 178.2

GTOS. DE EJERC. ANTERIORES 12,557.6 26,183.1 51.8 111.5 178.1 178.1 178.1

IMPUESTO SOBRE LA RENTA 69,000.0 90,816.4 11,300.0 19,500.0 34,500.0 46,300.0 61,200.0

RESULTADOS DEL EJERCICIO 221,536.5 253,406.1 26,316.7 47,720.1 80,155.6 107,401.3 142,175.6

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

873,081.2 1,031,126.2 1,183,712.1 1,338,364.5 1,493,869.2 1,649,349.7 1,839,056.8 149,117.6

840,643.1 991,938.0 1,137,331.2 1,286,261.1 1,434,431.6 1,582,588.7 1,764,122.7 145,212.2


15,373.8 18,176.7 20,663.8 23,732.1 27,035.1 29,564.9 33,573.7 2,898.2
174,926.0 203,515.1 232,215.6 260,479.2 286,590.3 313,527.6 339,358.7 25,531.3
645,973.7 764,148.6 877,655.8 994,258.8 1,111,655.2 1,229,714.0 1,380,016.5 115,708.0
17,461.7 23,018.9 29,309.3 35,342.3 41,439.2 47,743.9 54,520.5 6,754.4
234,048.7 276,802.9 319,301.4 361,328.9 404,253.1 448,939.9 496,517.9 44,856.2
203,929.2 238,194.2 271,074.7 306,234.9 342,077.5 378,031.8 417,715.4 32,205.3
190,534.2 226,132.7 257,970.4 291,352.7 323,885.4 354,998.4 411,262.7 31,892.2
4,369.6 6,097.6 6,796.0 7,790.9 9,151.1 9,782.2 11,173.8 1,074.6

1,052.1 1,052.1 1,196.6 1,292.2 1,436.8 1,436.8 1,436.8 0.0

31,160.6 37,890.7 44,910.3 50,588.2 57,744.8 64,930.2 73,128.9 3,905.5

225.5 245.3 273.9 223.0 256.1 394.0 368.4 0.0

326,906.4 378,056.4 429,563.7 481,208.5 535,676.2 590,988.2 647,243.1 57,668.6

319,982.5 369,534.9 419,573.3 469,876.8 521,810.6 575,174.1 629,365.8 55,789.2


5,070.8 6,319.1 7,506.4 8,750.0 10,118.9 11,344.1 12,479.5 1,281.8
133,543.6 155,670.2 178,453.8 201,642.7 225,101.2 249,297.0 274,629.1 26,821.8
126,741.3 145,306.1 164,052.1 182,828.2 201,629.7 220,283.2 238,812.5 19,219.7
54,626.9 62,239.5 69,561.1 76,656.0 84,960.8 94,249.7 103,444.7 8,465.9

6,923.9 8,521.6 9,990.4 11,331.7 13,865.6 15,814.2 17,877.2 1,879.4

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

546,174.8 653,069.7 754,148.4 857,155.9 958,193.1 1,058,361.5 1,191,813.7 91,449.1

148,667.7 175,812.0 205,490.1 232,425.3 264,474.5 297,200.2 339,448.9 33,930.3

112,223.8 132,761.0 155,679.9 176,431.1 201,828.7 228,642.5 265,080.8 26,409.2


26,315.0 31,141.0 36,379.1 41,620.4 47,013.7 52,321.1 57,689.6 5,646.8
5,909.6 6,828.3 8,913.9 9,685.7 10,545.5 11,733.8 12,698.7 728.0
79,999.3 94,791.6 110,386.9 125,125.0 144,269.5 164,587.7 194,692.5 20,034.4

4,192.5 4,881.0 5,766.4 6,492.8 7,182.4 7,542.6 8,462.9 579.3

32,251.4 38,170.0 44,043.8 49,501.3 55,463.4 61,015.1 65,905.2 6,941.9

449,539.0 548,314.3 641,048.1 730,031.7 819,912.9 912,385.0 1,060,763.1 95,993.4

170,798.4 200,380.1 230,599.9 260,948.9 289,625.4 318,276.2 346,297.6 32,239.5


2,613.0 3,162.0 3,696.0 4,245.0 4,779.0 5,313.0 5,877.0 549.0
1,176.0 1,470.0 1,764.0 2,058.0 2,352.0 2,646.0 2,940.0 294.0
1,437.0 1,692.0 1,932.0 2,187.0 2,427.0 2,667.0 2,937.0 255.0
168,185.4 197,218.1 226,903.9 256,703.9 284,846.4 312,963.2 340,420.6 31,690.5
118,302.2 138,902.8 159,502.2 180,383.4 199,626.8 219,003.9 239,216.3 22,460.7
49,883.2 58,315.4 67,401.8 76,320.5 85,219.6 93,959.3 101,204.3 9,229.8

71,991.9 104,694.4 129,371.3 149,309.4 170,780.4 197,565.1 275,888.0 24,619.6


22,336.2 26,931.9 31,211.1 35,992.3 38,289.8 42,888.4 47,579.6 4,790.6
21,928.3 45,616.5 61,616.5 75,629.5 93,608.8 114,614.4 186,964.3 13,879.6
27,727.5 32,146.0 36,543.7 37,687.6 38,881.9 40,062.4 41,344.1 5,949.4

206,748.7 243,239.8 281,076.9 319,773.4 359,507.1 396,543.7 438,577.4 39,134.3


4,481.4 5,549.3 6,423.1 7,472.2 8,258.1 9,008.2 9,207.2 885.9
11,410.7 13,358.0 15,285.4 17,233.5 19,237.9 21,227.2 23,503.0 2,235.2
14,749.5 17,115.4 19,583.8 22,991.1 26,273.3 29,762.2 34,910.5 2,665.8
176,107.2 207,217.2 239,784.6 272,076.6 305,737.9 336,546.1 370,956.7 33,347.5

245,303.5 280,567.4 318,590.3 359,549.5 402,754.7 443,176.7 470,499.5 29,385.9

12,201.0 22,351.1 30,248.6 36,514.1 37,163.5 38,664.6 44,015.1 13,586.8

2,177.4 2,842.4 3,754.6 4,156.0 4,156.0 4,156.0 4,156.9 0.0

212.4 494.3 511.9 519.6 519.6 689.5 795.8 35.3

178.1 178.1 178.1 178.1 178.1 178.1 178.1 205.2

76,800.0 90,200.0 103,700.0 117,200.0 130,500.0 143,100.0 145,075.3 12,300.0

178,561.3 210,192.2 241,718.2 275,049.1 305,603.7 335,096.7 365,900.0 30,502.9


BANCO DE HONDURAS, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 194,399.9 223,353.7 22,267.2 42,835.0 63,942.6 90,428.4 113,266.9

INTERESES 175,861.6 198,920.8 21,317.7 40,686.7 63,657.4 86,045.2 108,838.8


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 128,765.4 147,141.4 16,457.9 31,014.6 49,225.1 67,155.4 85,845.3
Sobre Cartera de Préstamos 29,493.6 32,186.0 2,845.0 5,813.6 14,432.2 18,889.8 21,579.0
Préstamos Hipotecarios 263.9 288.1 24.1 46.6 69.0 91.3 113.4
Préstamos Fiduciarios 10,749.8 11,875.7 1,056.8 2,128.1 3,095.7 4,002.1 4,701.6
Préstamos con Garantía Accesoria 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros Préstamos 18,479.9 20,022.2 1,764.1 3,638.8 11,267.5 14,796.5 16,764.0
Otros 17,602.6 19,593.5 2,014.8 3,858.6 0.0 0.0 1,414.5

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 18,537.9 24,432.4 949.5 2,148.3 285.2 4,383.1 4,428.1

OTROS PRODUCTOS 0.4 0.4 0.0 0.0 0.0 0.0 0.0

GASTOS FINANCIEROS 102,908.1 117,332.3 13,902.9 26,677.0 41,003.3 54,431.4 65,906.9

INTERESES 102,614.4 117,002.8 13,899.2 26,596.3 40,907.7 54,332.2 65,804.0


Sobre Depósitos en Cta. de Cheques 11,890.7 13,061.7 1,358.0 2,378.7 3,115.7 4,158.5 4,916.2
Sobre Depósitos de Ahorro 1,012.7 1,053.2 35.7 84.4 125.5 168.4 192.9
Sobre Depósitos a Plazo 86,415.8 98,187.4 12,438.5 23,645.6 37,101.4 49,056.0 59,316.2
Otras Obligaciones 3,295.2 4,700.5 67.1 487.6 565.1 949.2 1,378.7

COMISIONES 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS GASTOS 293.7 329.5 3.7 80.7 95.7 99.2 102.9

RESULTADO FINANCIERO 91,491.8 106,021.4 8,364.3 16,157.9 22,939.2 35,997.0 47,360.0

PRODUCTOS POR SERVICIOS 35,921.1 40,325.8 3,062.7 7,009.0 17,044.4 21,284.9 27,808.0

COMISIONES 30,051.8 33,851.1 2,577.7 6,065.0 15,468.2 19,109.0 24,897.4


Giros y Transferencias 1,049.3 1,154.5 97.3 194.4 325.1 407.5 510.4
Fideicomisos y Administración 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otras 29,002.5 32,696.7 2,480.4 5,870.7 15,143.1 18,701.5 24,387.0

ARRENDAMIENTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS 5,869.3 6,474.7 484.9 944.0 1,576.2 2,175.8 2,910.6

GTOS. DE ADMINISTRACION 65,089.1 73,313.8 6,354.3 14,543.6 21,113.6 28,778.5 36,397.7

GASTOS EN PERSONAL 29,346.3 32,791.0 2,785.2 6,743.7 9,569.9 12,815.7 15,930.5


Consejeros y Directores 104.4 119.5 0.0 15.2 19.3 39.8 40.8
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 104.4 119.5 0.0 15.2 19.3 39.8 40.8
Funcionarios y Empleados 29,241.9 32,671.5 2,785.2 6,728.5 9,550.6 12,775.8 15,889.7
Sueldos 20,053.2 21,912.1 1,891.3 3,737.4 5,745.4 8,077.5 10,155.7
Otros 9,188.7 10,759.4 893.9 2,991.1 3,805.2 4,698.4 5,734.0

DEPRECIACIONES Y AMORT. 2,857.9 3,108.8 234.6 469.1 701.5 927.7 1,144.5


Muebles e Inmuebles 2,697.9 2,948.8 234.6 469.1 701.5 927.7 1,144.5
Créditos de Dudoso Recaudo 160.0 160.0 0.0 0.0 0.0 0.0 0.0
Otros 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GASTOS DIVERSOS 32,884.9 37,414.0 3,334.5 7,330.8 10,842.2 15,035.2 19,322.8


Impuestos y Contribuciones 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Arrendamientos 5,838.0 6,321.3 535.3 1,070.5 1,605.8 2,141.0 2,680.1
Reparaciones y Mantenimiento 951.6 1,080.6 72.4 132.7 203.5 307.6 448.6
Otros Gastos 26,095.3 30,012.2 2,726.8 6,127.6 9,033.0 12,586.6 16,194.1

RESULTADO DE OPERACION 62,323.8 73,033.4 5,072.7 8,623.3 18,870.0 28,503.3 38,770.3

PRODUC. EXTRAORDINARIOS 204.7 211.2 18.5 27.1 27.1 27.1 27.1

EGRESOS EXTRAORDINARIOS 0.0 6.5 0.0 0.0 23.3 23.3 83.7

RESULTADOS DE EJERC. ANT. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GTOS. DE EJERC. ANTERIORES 66.1 66.1 79.7 82.9 647.0 647.0 647.0

IMPUESTO SOBRE LA RENTA 17,619.3 22,262.5 0.0 1,492.1 2,577.7 7,208.6 10,976.7

RESULTADOS DEL EJERCICIO 44,843.2 50,909.6 5,011.5 7,075.4 15,649.2 20,651.6 27,090.0

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

134,838.9 153,102.7 169,775.8 184,491.0 198,110.4 213,348.4 225,843.4 11,852.1

129,633.4 147,719.8 164,336.4 179,012.6 192,591.5 207,717.6 220,093.2 11,801.7


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
102,531.1 116,524.2 129,436.8 140,387.2 150,941.4 161,338.2 169,560.2 7,335.3
25,376.7 29,166.2 32,566.5 35,989.5 38,718.6 43,152.1 47,021.4 4,114.8
135.4 157.4 179.1 200.8 208.9 221.6 234.2 12.5
5,638.8 6,506.1 7,215.9 8,034.1 8,846.6 9,763.8 10,796.1 961.8
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
19,602.4 22,502.8 25,171.4 27,754.7 29,663.1 33,166.7 35,991.1 3,140.5
1,725.6 2,029.4 2,333.1 2,635.8 2,931.5 3,227.2 3,511.6 351.6

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

5,205.6 5,382.9 5,439.5 5,478.4 5,518.9 5,630.8 5,750.1 50.4

0.0 0.0 0.0 0.0 0.0 0.1 0.1 0.0

75,558.1 82,858.4 89,225.7 94,216.2 98,892.7 104,081.6 108,762.7 4,122.5

75,451.7 82,750.3 89,111.0 94,100.8 98,776.6 103,965.0 108,616.6 4,121.8


5,455.2 6,075.2 7,049.2 7,603.9 8,060.5 8,730.7 9,685.0 1,091.4
209.6 303.9 529.4 651.0 861.9 1,068.7 1,294.9 222.5
67,702.8 74,014.3 79,061.8 83,352.4 87,148.3 91,313.4 94,641.3 2,779.2
2,084.1 2,356.9 2,470.6 2,493.5 2,705.9 2,852.1 2,995.3 28.7

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

106.4 108.1 114.7 115.3 116.0 116.7 146.1 0.7

59,280.8 70,244.3 80,550.1 90,274.8 99,217.7 109,266.8 117,080.7 7,729.7

33,548.7 39,079.7 45,114.0 49,964.6 55,680.6 61,165.0 67,027.6 6,286.8

29,791.5 34,734.6 40,199.9 44,483.8 49,613.0 54,525.1 59,596.7 5,434.7


614.3 663.7 719.6 759.9 802.6 857.9 926.1 46.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
29,177.2 34,071.0 39,480.2 43,723.9 48,810.4 53,667.2 58,670.6 5,387.9

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

3,757.2 4,345.1 4,914.2 5,480.9 6,067.6 6,639.9 7,430.9 852.0

43,642.7 50,726.9 57,370.1 64,878.3 72,051.6 80,852.5 94,066.9 7,090.0

18,953.2 21,906.0 24,645.6 27,466.9 30,368.1 33,205.8 37,904.6 3,128.2


40.8 40.8 40.8 59.1 59.1 71.4 89.8 18.3
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
40.8 40.8 40.8 59.1 59.1 71.4 89.8 18.3
18,912.3 21,865.2 24,604.8 27,407.8 30,309.1 33,134.3 37,814.8 3,109.9
12,237.8 14,319.0 16,366.9 18,409.9 20,452.0 22,494.2 24,516.7 2,379.3
6,674.5 7,546.2 8,237.9 8,998.0 9,857.0 10,640.2 13,298.2 730.6

1,384.2 1,628.9 1,874.2 2,115.4 2,356.6 4,099.5 6,847.6 248.3


1,384.2 1,628.9 1,874.2 2,115.4 2,356.6 2,599.5 2,847.6 248.3
0.0 0.0 0.0 0.0 0.0 1,500.0 4,000.0 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

23,305.3 27,191.9 30,850.3 35,296.0 39,326.9 43,547.2 49,314.7 3,713.4


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
3,212.3 3,747.6 4,268.4 4,789.3 5,313.2 5,838.5 6,363.3 524.7
554.0 612.9 704.2 767.6 845.2 904.3 987.6 69.0
19,538.9 22,831.5 25,877.7 29,739.1 33,168.4 36,804.4 41,963.8 3,119.7

49,186.9 58,597.2 68,294.1 75,361.2 82,846.7 89,579.3 90,041.5 6,926.4

1,771.4 4,484.0 6,770.3 7,973.7 7,973.7 7,973.7 7,982.5 676.3

99.3 99.3 140.0 140.0 189.7 181.5 195.2 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

647.0 647.0 647.0 647.0 647.0 647.0 647.0 0.5

13,510.4 16,384.2 19,941.1 24,754.9 25,465.7 28,127.8 29,498.2 452.3

36,701.6 45,950.7 54,336.2 57,793.0 64,518.0 68,596.6 67,683.5 7,150.0


BANCO DE OCCIDENTE, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 1,584,407.0 1,746,645.5 161,011.0 319,746.7 497,525.0 659,832.2 839,167.6

INTERESES 1,541,755.7 1,696,086.8 155,093.0 310,894.1 482,419.9 640,149.4 812,562.1


Sobre Disponibilidades 61.7 61.7 0.0 0.0 1.4 1.9 260.9
Sobre Inversiones 426,752.2 478,564.9 53,181.4 103,403.1 159,896.2 215,580.0 272,173.0
Sobre Cartera de Préstamos 1,094,082.5 1,194,953.1 98,385.7 201,796.3 313,194.6 416,594.7 529,041.9
Préstamos Hipotecarios 68,007.3 74,903.8 6,681.0 13,324.5 19,924.4 26,869.0 34,198.0
Préstamos Fiduciarios 181,044.7 198,502.6 18,104.8 37,147.3 56,644.8 76,594.7 101,315.8
Préstamos con Garantía Accesoria 512,373.3 560,643.5 46,063.5 95,996.7 155,121.7 202,601.8 254,111.9
Otros Préstamos 332,657.2 360,903.2 27,536.4 55,327.9 81,503.8 110,529.3 139,416.3
Otros 20,859.2 22,507.1 3,526.0 5,694.6 9,327.7 7,972.8 11,086.3

DIV. SOBRE ACCIONES Y PART. 7,565.9 7,761.1 2,435.6 2,466.0 3,787.8 5,092.7 5,783.8

COMISIONES 32,014.2 39,190.4 3,131.6 5,744.3 10,498.4 13,278.2 19,236.4

OTROS PRODUCTOS 3,071.2 3,607.3 350.8 642.3 818.9 1,311.9 1,585.2

GASTOS FINANCIEROS 794,426.1 874,819.4 79,370.4 161,471.5 249,292.1 333,985.0 421,307.3

INTERESES 783,774.5 863,240.3 78,233.5 158,787.7 245,729.2 328,955.7 415,146.6


Sobre Depósitos en Cta. de Cheques 16,444.9 17,798.7 1,429.0 2,922.3 4,404.5 5,964.5 7,369.0
Sobre Depósitos de Ahorro 456,604.6 503,382.1 48,768.4 100,179.6 156,402.6 208,923.7 263,578.1
Sobre Depósitos a Plazo 124,528.1 136,771.5 12,532.6 25,377.9 38,937.2 52,679.2 66,819.9
Otras Obligaciones 186,196.9 205,288.1 15,503.5 30,307.9 45,984.8 61,388.4 77,379.7

COMISIONES 3,885.3 4,169.0 514.6 1,424.4 1,668.8 2,501.0 2,965.6

OTROS GASTOS 6,766.4 7,410.2 622.3 1,259.4 1,894.1 2,528.3 3,195.2

RESULTADO FINANCIERO 789,980.9 871,826.1 81,640.6 158,275.1 248,232.9 325,847.2 417,860.2

PRODUCTOS POR SERVICIOS 180,675.7 204,255.2 19,310.6 37,026.7 57,263.5 74,850.1 95,069.9

COMISIONES 139,916.8 156,337.5 14,459.9 28,154.4 43,563.7 57,600.6 73,877.6


Giros y Transferencias 31,514.6 35,018.7 3,126.3 6,437.9 9,755.7 13,129.1 16,698.9
Fideicomisos y Administración 3,284.9 3,670.7 307.6 508.1 776.9 993.2 1,258.6
Otras 105,117.3 117,648.2 11,026.0 21,208.4 33,031.0 43,478.4 55,920.1

ARRENDAMIENTOS 7,454.7 8,087.9 680.9 1,573.5 2,301.9 2,937.4 3,717.3

OTROS 33,304.2 39,829.8 4,169.7 7,298.8 11,397.9 14,312.1 17,475.1

GTOS. DE ADMINISTRACION 663,596.0 744,583.7 63,287.0 126,379.2 198,217.7 263,033.5 335,580.2

GASTOS EN PERSONAL 330,028.4 363,884.4 30,946.5 62,305.6 95,026.5 128,224.9 162,595.9


Consejeros y Directores 2,480.7 2,778.1 178.5 385.0 629.1 902.2 1,294.8
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 2,480.7 2,778.1 178.5 385.0 629.1 902.2 1,294.8
Funcionarios y Empleados 327,547.7 361,106.3 30,768.0 61,920.6 94,397.4 127,322.8 161,301.1
Sueldos 255,505.0 280,650.0 24,204.2 48,561.6 73,690.5 99,857.9 126,263.9
Otros 72,042.7 80,456.2 6,563.8 13,359.1 20,706.9 27,464.9 35,037.2

DEPRECIACIONES Y AMORT. 143,285.3 167,312.3 12,660.9 25,134.5 41,787.1 54,285.3 68,913.8


Muebles e Inmuebles 26,615.3 29,333.0 3,228.4 6,283.0 9,411.7 12,478.0 15,513.0
Créditos de Dudoso Recaudo 81,115.9 98,117.3 6,220.0 12,540.0 22,656.8 28,876.8 37,096.8
Otros 35,554.1 39,862.0 3,212.5 6,311.5 9,718.5 12,930.5 16,304.0

GASTOS DIVERSOS 190,282.3 213,387.0 19,679.6 38,939.1 61,404.1 80,523.2 104,070.5


Impuestos y Contribuciones 7,916.1 8,319.3 1,108.4 2,078.5 2,701.7 3,231.1 3,738.5
Arrendamientos 17,576.2 19,516.8 1,857.5 4,013.6 5,872.8 7,550.9 9,344.3
Reparaciones y Mantenimiento 23,669.2 26,572.1 2,148.7 4,177.8 6,995.6 9,646.3 12,280.6
Otros Gastos 141,120.8 158,978.8 14,565.2 28,669.3 45,834.1 60,094.9 78,707.2

RESULTADO DE OPERACION 307,060.7 331,497.6 37,664.2 68,922.6 107,278.7 137,663.8 177,349.9

PRODUC. EXTRAORDINARIOS 29,020.4 30,859.7 2,236.5 2,632.7 3,993.9 4,536.0 6,359.8

EGRESOS EXTRAORDINARIOS 368.3 477.4 36.3 168.2 231.9 269.1 306.3

RESULTADOS DE EJERC. ANT. 500.9 539.0 101.8 116.4 239.0 248.9 275.4

GTOS. DE EJERC. ANTERIORES 118.9 118.9 0.0 0.0 0.0 0.0 0.0

IMPUESTO SOBRE LA RENTA 104,702.5 111,867.1 11,377.7 19,644.4 32,570.0 42,204.9 54,775.2

RESULTADOS DEL EJERCICIO 231,392.3 250,432.9 28,588.5 51,859.0 78,709.7 99,974.7 128,903.7

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

1,004,838.0 1,169,337.4 1,327,941.7 1,484,529.3 1,649,223.3 1,825,496.3 2,013,910.7 197,635.2

973,726.0 1,133,606.7 1,287,085.0 1,440,102.0 1,599,020.1 1,768,621.1 1,944,796.2 184,455.5


20.0 23.5 31.5 31.5 43.4 47.2 49.5 7.8
329,731.1 383,736.1 436,868.2 486,507.1 533,195.2 577,837.4 622,206.8 45,471.2
632,151.8 735,574.9 834,465.9 936,273.9 1,046,825.6 1,170,280.1 1,299,666.7 136,756.2
41,024.4 47,758.6 55,185.0 63,294.2 71,126.4 79,410.3 88,701.0 9,304.1
122,280.1 144,486.4 163,830.3 184,356.0 205,900.7 231,011.9 255,598.0 24,283.7
304,929.4 354,960.8 403,196.4 452,531.6 503,269.4 557,102.6 608,602.9 55,290.7
163,917.8 188,369.1 212,254.2 236,092.1 266,529.1 302,755.4 346,764.7 47,877.6
11,823.2 14,272.2 15,719.4 17,289.6 18,955.9 20,456.4 22,873.3 2,220.4

5,784.2 5,930.5 6,268.2 6,739.3 7,106.5 7,162.8 7,405.0 5,212.8

23,401.8 27,613.9 32,216.9 35,000.4 40,098.5 46,383.1 57,993.4 7,497.5

1,926.0 2,186.3 2,371.6 2,687.5 2,998.3 3,329.4 3,716.0 469.3

499,035.4 577,606.7 650,413.2 723,206.2 793,842.7 869,351.8 951,974.6 88,917.1

491,793.6 568,448.0 639,896.8 711,586.3 781,273.1 855,205.4 936,694.5 87,113.2


9,176.4 9,951.7 11,125.6 12,161.3 13,133.7 14,178.5 15,197.9 1,067.6
312,345.4 363,197.2 409,548.4 456,015.7 495,369.0 535,345.6 575,530.5 41,313.8
80,407.1 93,873.5 106,521.7 118,621.6 129,944.8 140,754.7 151,103.6 10,168.8
89,864.8 101,425.7 112,701.1 124,787.7 142,825.6 164,926.7 194,862.5 34,563.0

3,329.4 4,560.5 5,178.1 5,558.0 5,782.9 6,609.1 6,954.6 1,071.5

3,912.3 4,598.2 5,338.3 6,061.9 6,786.8 7,537.2 8,325.5 732.4

505,802.6 591,730.7 677,528.5 761,323.1 855,380.5 956,144.6 1,061,936.1 108,718.0

115,569.8 133,722.4 154,068.0 171,534.6 190,854.4 209,736.9 232,485.7 21,079.5

90,585.4 105,367.0 122,220.9 136,280.7 151,568.6 166,426.7 182,279.3 14,921.4


20,290.9 23,785.0 22,430.8 30,995.7 34,537.5 38,049.2 41,414.8 3,317.5
1,488.8 1,685.1 1,914.7 2,093.3 2,281.8 2,452.3 2,739.4 233.0
68,805.7 79,896.9 97,875.4 103,191.8 114,749.4 125,925.3 138,125.2 11,370.9

4,403.4 5,079.2 5,819.8 6,542.1 7,273.0 8,023.2 8,841.5 892.9

20,581.0 23,276.2 26,027.3 28,711.8 32,012.8 35,287.0 41,364.9 5,265.2

405,542.0 473,700.4 545,250.1 614,361.0 685,140.3 758,923.8 847,177.2 75,054.9

199,225.8 234,237.4 270,120.4 305,418.1 341,613.3 379,041.8 417,736.9 36,132.1


1,541.0 1,775.7 2,089.8 2,389.9 2,778.1 3,071.2 4,029.2 120.7
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
1,541.0 1,775.7 2,089.8 2,389.9 2,778.1 3,071.2 4,029.2 120.7
197,684.9 232,461.6 268,030.7 303,028.2 338,835.2 375,970.6 413,707.7 36,011.5
154,266.3 181,369.9 208,764.3 236,086.1 263,598.7 291,758.8 319,719.5 27,869.5
43,418.5 51,091.7 59,266.4 66,942.2 75,236.5 84,211.8 93,988.3 8,142.0

81,593.1 94,100.6 107,600.5 120,291.1 132,971.4 146,263.9 171,671.7 16,494.1


18,653.3 21,721.8 24,841.2 27,894.9 30,918.5 33,969.2 37,708.8 5,466.6
43,526.8 49,756.8 56,536.8 62,866.8 69,198.0 76,128.0 93,888.0 7,734.7
19,413.0 22,621.9 26,222.5 29,529.4 32,854.8 36,166.6 40,074.9 3,292.8

124,723.1 145,362.4 167,529.2 188,651.8 210,555.7 233,618.2 257,768.6 22,428.6


4,516.0 5,206.5 6,414.7 6,987.4 7,618.1 8,182.8 8,680.3 1,232.1
11,401.9 13,271.8 15,304.8 17,403.1 19,651.6 21,830.3 24,162.4 2,524.2
14,498.8 16,946.0 19,882.2 22,297.7 24,677.0 27,494.0 30,972.5 2,018.4
94,306.4 109,938.1 125,927.4 141,963.5 158,609.0 176,111.1 193,953.4 16,653.9

215,830.4 251,752.7 286,346.3 318,496.7 361,094.6 406,957.7 447,244.6 54,742.7

8,217.9 9,765.9 12,330.0 14,274.9 15,842.5 17,170.3 19,806.8 3,204.4

428.4 453.4 540.9 1,178.4 2,137.0 3,045.7 3,130.9 0.0

283.2 313.0 352.4 382.2 425.3 525.8 989.3 137.1

0.0 0.0 0.0 0.0 0.0 0.0 5,040.1 0.0

66,974.6 78,308.1 89,748.9 99,763.4 113,134.0 127,194.7 139,258.1 16,342.8

156,928.5 183,070.1 208,738.9 232,212.1 262,091.5 294,413.4 320,611.6 41,741.4


BANCO DE LOS TRABAJADORES
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 299,086.6 331,073.3 23,219.1 49,696.4 76,211.1 105,737.9 134,283.4

INTERESES 297,561.3 328,851.7 22,968.5 49,213.3 75,632.0 104,793.8 133,160.1


Sobre Disponibilidades 639.6 713.1 0.0 0.0 9.7 41.1 53.6
Sobre Inversiones 6,358.7 9,274.4 747.0 1,989.6 2,960.3 4,227.3 5,199.7
Sobre Cartera de Préstamos 289,689.3 317,986.6 22,108.1 47,018.8 72,337.4 100,186.9 127,409.2
Préstamos Hipotecarios 50,767.2 55,603.1 3,725.0 7,905.8 12,243.7 16,619.9 21,691.3
Préstamos Fiduciarios 151,976.3 166,322.1 12,839.2 26,741.8 41,209.6 56,046.2 70,954.3
Préstamos con Garantía Accesoria 2,992.8 3,037.6 80.2 127.4 189.7 231.7 303.6
Otros Préstamos 83,953.1 93,023.8 5,463.7 12,243.8 18,694.4 27,289.1 34,460.1
Otros 873.6 877.5 113.5 204.9 324.5 338.6 497.6

DIV. SOBRE ACCIONES Y PART. 564.3 564.3 72.2 72.2 72.2 318.4 365.8

COMISIONES 784.1 1,474.5 178.5 410.8 506.7 625.4 757.3

OTROS PRODUCTOS 176.9 182.8 0.0 0.1 0.1 0.1 0.2

GASTOS FINANCIEROS 119,013.2 130,024.4 9,979.7 19,906.7 29,872.5 40,031.4 50,876.8

INTERESES 118,990.2 130,003.0 9,977.1 19,902.8 29,868.6 40,026.0 50,864.8


Sobre Depósitos en Cta. de Cheques 2,225.0 2,378.3 103.5 195.4 310.5 407.6 515.9
Sobre Depósitos de Ahorro 24,564.4 26,612.1 1,915.2 3,892.6 5,905.8 7,907.8 10,061.3
Sobre Depósitos a Plazo 50,415.7 54,955.5 4,349.5 8,588.7 12,778.3 17,226.2 22,064.0
Otras Obligaciones 41,785.1 46,057.2 3,609.0 7,226.1 10,874.0 14,484.4 18,223.6

COMISIONES 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS GASTOS 23.0 21.4 2.6 3.9 3.9 5.3 12.1

RESULTADO FINANCIERO 180,073.4 201,048.9 13,239.4 29,789.7 46,338.5 65,706.5 83,406.6

PRODUCTOS POR SERVICIOS 18,259.2 20,768.7 1,886.6 3,786.1 5,638.7 7,426.4 8,674.9

COMISIONES 6,346.5 7,403.8 586.8 1,187.8 1,851.1 2,508.7 3,191.8


Giros y Transferencias 2,100.3 2,455.4 200.6 462.5 685.9 914.9 1,144.5
Fideicomisos y Administración 520.3 676.5 65.9 75.4 127.0 144.6 288.5
Otras 3,725.9 4,272.0 320.3 649.9 1,038.2 1,449.2 1,758.8

ARRENDAMIENTOS 562.0 607.6 17.2 54.5 90.5 124.8 141.4

OTROS 11,350.8 12,757.3 1,282.6 2,543.8 3,697.2 4,792.9 5,341.8

GTOS. DE ADMINISTRACION 182,699.0 201,382.1 16,288.0 33,287.6 52,627.4 71,014.9 88,202.1

GASTOS EN PERSONAL 104,184.6 113,219.6 10,353.0 21,123.4 31,869.2 42,573.3 51,960.4


Consejeros y Directores 8,978.2 10,072.5 1,014.2 1,996.9 3,222.0 4,251.6 5,614.6
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 8,978.2 10,072.5 1,014.2 1,996.9 3,222.0 4,251.6 5,614.6
Funcionarios y Empleados 95,206.4 103,147.0 9,338.8 19,126.5 28,647.2 38,321.7 46,345.8
Sueldos 68,256.6 73,590.4 7,054.8 14,216.8 21,372.8 28,489.0 35,864.6
Otros 26,949.9 29,556.7 2,284.0 4,909.6 7,274.3 9,832.6 10,481.2

DEPRECIACIONES Y AMORT. 28,927.6 31,615.3 1,820.2 3,712.9 7,128.1 9,759.3 12,657.1


Muebles e Inmuebles 5,423.0 6,309.8 669.3 1,315.2 1,940.9 2,833.5 3,565.0
Créditos de Dudoso Recaudo 17,706.5 18,976.7 309.7 714.5 2,645.2 3,518.6 4,884.8
Otros 5,798.1 6,328.8 841.1 1,683.3 2,542.0 3,407.2 4,207.4

GASTOS DIVERSOS 49,586.8 56,547.2 4,114.9 8,451.3 13,630.1 18,682.2 23,584.7


Impuestos y Contribuciones 1,073.9 1,170.6 152.0 235.3 329.0 430.1 528.8
Arrendamientos 4,690.6 5,186.7 522.1 959.6 1,528.4 1,940.6 2,437.2
Reparaciones y Mantenimiento 4,848.1 5,397.5 363.3 829.0 1,455.0 1,927.8 2,506.7
Otros Gastos 38,974.1 44,792.5 3,077.5 6,427.4 10,317.7 14,383.7 18,112.1

RESULTADO DE OPERACION 15,633.6 20,435.5 (1,162.0) 288.1 (650.1) 2,118.0 3,879.4

PRODUC. EXTRAORDINARIOS 14,498.6 16,691.6 676.0 1,423.8 2,007.6 2,334.6 3,310.3

EGRESOS EXTRAORDINARIOS 7,374.6 8,995.0 188.3 302.7 1,960.0 2,174.9 2,906.5

RESULTADOS DE EJERC. ANT. 16,383.1 18,510.0 2,546.9 4,058.6 7,304.6 8,845.1 12,211.5

GTOS. DE EJERC. ANTERIORES 2,127.9 5,789.7 77.5 124.5 172.0 182.5 947.0

IMPUESTO SOBRE LA RENTA 11,053.8 12,205.7 488.5 1,553.1 1,909.0 3,232.1 4,614.3

RESULTADOS DEL EJERCICIO 25,959.0 28,646.7 1,306.5 3,790.2 4,621.1 7,708.2 10,933.4

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

163,964.4 192,696.8 221,225.4 252,216.7 280,242.6 316,824.5 356,116.4 33,727.5

162,720.7 191,359.6 219,764.9 250,665.4 278,607.0 314,608.6 351,451.2 33,653.4


53.6 53.6 81.5 100.2 100.2 110.1 110.1 761.1
6,549.3 7,602.8 8,731.9 9,597.2 10,457.7 11,189.3 12,892.5 1,080.8
155,529.1 183,016.5 210,157.6 239,900.8 266,878.8 301,981.7 336,906.5 31,726.8
27,135.0 32,041.8 36,956.7 44,612.0 47,869.2 56,082.1 62,593.7 4,474.5
85,533.2 100,057.1 114,662.1 129,871.9 146,112.4 163,710.2 183,315.4 19,503.5
350.2 390.8 441.6 479.6 526.7 575.1 583.2 5.4
42,510.6 50,526.9 58,097.3 64,937.4 72,370.5 81,614.3 90,414.1 7,743.3
588.8 686.7 794.0 1,067.2 1,170.2 1,327.6 1,542.1 84.6

365.8 404.7 404.7 404.7 400.2 400.2 428.4 38.9

877.1 926.8 1,047.7 1,137.8 1,226.4 1,806.7 1,885.2 35.0

0.8 5.8 8.1 8.8 8.9 8.9 2,351.6 0.3

61,832.7 71,625.7 81,295.8 90,803.0 99,219.3 109,091.7 120,142.0 11,855.0

61,820.6 71,613.4 81,283.4 90,789.6 99,205.4 109,077.6 120,122.8 11,854.6


625.3 739.2 835.0 946.9 1,068.8 1,169.5 1,289.6 142.9
12,515.0 14,475.5 16,401.1 18,333.8 20,284.6 22,291.2 24,521.5 2,366.4
26,833.4 31,413.4 35,777.9 40,011.2 44,207.1 48,263.6 52,454.3 4,313.9
21,846.8 24,985.3 28,269.4 31,497.7 33,644.9 37,353.3 41,857.3 5,031.5

0.0 0.0 0.0 0.0 0.0 0.0 2.3 0.0

12.1 12.3 12.3 13.3 14.0 14.1 16.9 0.3

102,131.7 121,071.0 139,929.7 161,413.7 181,023.3 207,732.8 235,974.4 21,872.6

9,745.4 10,596.5 11,449.6 12,242.9 13,655.2 17,419.5 19,373.4 1,602.7

3,846.4 4,255.7 4,714.1 5,136.1 5,609.3 6,303.3 7,202.2 531.0


1,445.3 1,635.4 1,892.8 2,072.0 2,322.9 2,562.5 2,937.6 172.6
372.8 376.8 400.6 414.2 435.9 611.6 802.5 49.8
2,028.4 2,243.6 2,420.7 2,649.9 2,850.4 3,129.3 3,462.2 308.6

209.2 233.6 259.8 303.2 320.6 374.3 416.6 38.0

5,689.9 6,107.2 6,475.8 6,803.7 7,725.3 10,741.9 11,754.6 1,033.6

104,125.4 121,754.0 139,987.4 158,258.1 174,080.0 194,346.7 211,875.9 16,802.9

60,552.6 70,197.7 79,813.5 90,673.5 100,627.4 110,713.6 117,625.8 9,900.8


6,487.3 7,653.6 8,533.9 8,813.2 9,473.3 10,566.4 11,242.5 742.8
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
6,487.3 7,653.6 8,533.9 8,813.2 9,473.3 10,566.4 11,242.5 742.8
54,065.3 62,544.2 71,279.5 81,860.2 91,154.1 100,147.2 106,383.3 9,158.1
40,791.7 46,528.0 52,345.9 58,704.6 65,096.9 70,545.9 74,854.9 7,224.0
13,273.6 16,016.2 18,933.7 23,155.7 26,057.3 29,601.3 31,528.4 1,934.1

15,048.3 17,356.2 19,602.2 21,769.5 22,268.8 26,183.1 28,568.8 2,008.4


4,466.1 5,072.3 5,800.4 6,526.7 7,270.3 8,022.4 8,759.5 821.2
5,707.2 6,513.9 7,096.1 7,680.4 6,645.3 7,339.5 8,053.2 204.8
4,875.1 5,770.0 6,705.8 7,562.4 8,353.2 10,821.2 11,756.1 982.4

28,524.4 34,200.1 40,571.7 45,815.1 51,183.9 57,450.1 65,681.3 4,893.7


628.6 751.5 933.5 1,070.2 1,185.0 1,346.6 1,524.0 129.0
2,924.4 3,551.9 4,136.4 4,481.7 5,089.8 5,627.1 6,256.3 548.2
2,970.1 3,513.4 4,233.0 4,806.4 5,349.0 5,940.6 7,093.4 644.1
22,001.4 26,383.4 31,268.9 35,456.8 39,560.1 44,535.8 50,807.7 3,572.4

7,751.8 9,913.6 11,391.9 15,398.6 20,598.4 30,805.6 43,471.8 6,672.3

4,098.4 9,758.1 11,886.5 13,257.8 14,542.5 16,515.2 20,111.6 472.5

3,872.8 4,946.2 6,315.8 8,346.1 10,273.0 12,846.6 15,056.2 41.9

13,572.0 16,639.6 20,431.0 21,557.4 21,394.0 23,114.6 33,578.4 2,639.4

957.9 1,099.8 1,256.8 1,894.4 1,983.2 2,038.9 1,883.8 172.4

6,127.5 9,044.3 10,791.1 11,941.9 13,233.6 16,615.0 24,016.6 2,821.0

14,464.1 21,221.0 25,345.8 28,031.2 31,045.1 38,934.9 56,205.3 6,748.9


BANCO CONTINENTAL, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 221,127.1 255,309.4 16,996.5 43,204.1 69,330.7 94,040.0 118,249.9

INTERESES 165,277.4 187,738.8 16,703.8 34,335.0 54,234.6 71,800.1 90,237.1


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 11,660.7 13,369.8 1,359.7 3,069.9 5,405.2 7,226.2 9,606.5
Sobre Cartera de Préstamos 153,207.4 173,956.4 15,342.2 31,246.3 48,761.9 64,502.5 80,555.3
Préstamos Hipotecarios 74,133.1 85,867.8 7,815.4 15,412.7 23,217.8 30,699.5 38,558.0
Préstamos Fiduciarios 42,394.4 47,215.3 3,728.3 8,077.4 12,707.5 16,920.2 20,871.1
Préstamos con Garantía Accesoria 7,493.2 8,416.8 969.1 2,044.3 3,165.0 4,368.2 5,644.2
Otros Préstamos 29,186.7 32,456.4 2,829.4 5,711.8 9,671.6 12,514.7 15,482.1
Otros 409.3 412.6 2.0 18.8 67.5 71.4 75.3

DIV. SOBRE ACCIONES Y PART. 51,853.5 63,157.2 0.0 8,260.0 14,105.4 20,850.0 26,191.6

COMISIONES 3,996.2 4,413.5 292.6 609.2 990.8 1,389.9 1,821.2

OTROS PRODUCTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GASTOS FINANCIEROS 63,201.9 69,720.1 6,424.4 13,174.1 20,501.7 27,950.3 35,593.6

INTERESES 62,832.9 69,042.1 6,373.4 13,060.1 20,286.6 27,677.1 35,253.9


Sobre Depósitos en Cta. de Cheques 3,211.8 3,502.4 265.4 535.8 867.9 1,272.3 1,634.9
Sobre Depósitos de Ahorro 11,337.4 12,318.2 1,000.2 2,141.1 3,312.5 4,478.6 5,527.9
Sobre Depósitos a Plazo 29,290.0 32,532.5 3,383.2 6,809.8 10,521.6 14,413.6 18,630.1
Otras Obligaciones 18,993.7 20,689.0 1,724.6 3,573.4 5,584.6 7,512.5 9,461.0

COMISIONES 126.8 426.8 50.0 100.0 150.0 200.0 255.0

OTROS GASTOS 242.3 251.3 1.0 13.9 65.1 73.2 84.7

RESULTADO FINANCIERO 157,925.1 185,589.3 10,572.1 30,030.1 48,829.0 66,089.8 82,656.3

PRODUCTOS POR SERVICIOS 29,813.8 33,727.4 3,573.6 6,575.2 10,417.6 12,883.6 16,402.4

COMISIONES 22,128.6 24,913.9 2,891.7 5,231.1 8,301.6 10,114.3 12,905.6


Giros y Transferencias 602.6 753.7 54.2 111.0 186.1 259.1 491.8
Fideicomisos y Administración 1,875.5 1,970.6 66.0 139.3 237.0 354.4 497.1
Otras 19,650.6 22,189.6 2,771.5 4,980.8 7,878.5 9,500.7 11,916.7

ARRENDAMIENTOS 1,586.4 1,717.1 59.9 107.2 164.6 233.9 295.7

OTROS 6,098.8 7,096.5 622.0 1,237.0 1,951.4 2,535.5 3,201.1

GTOS. DE ADMINISTRACION 124,706.2 140,450.7 12,225.4 24,544.0 37,503.6 49,688.8 64,542.9

GASTOS EN PERSONAL 58,788.0 64,685.4 5,941.1 11,902.5 18,426.3 24,419.7 31,742.3


Consejeros y Directores 408.0 467.6 47.3 77.1 129.4 159.2 214.0
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 408.0 467.6 47.3 77.1 129.4 159.2 214.0
Funcionarios y Empleados 58,380.0 64,217.8 5,893.8 11,825.4 18,296.9 24,260.5 31,528.3
Sueldos 36,498.6 39,849.6 3,791.6 7,641.3 11,404.2 15,052.7 18,948.9
Otros 21,881.4 24,368.2 2,102.3 4,184.1 6,892.7 9,207.8 12,579.4

DEPRECIACIONES Y AMORT. 12,734.8 16,006.6 1,582.3 3,541.4 5,254.7 6,490.2 7,708.3


Muebles e Inmuebles 6,212.7 6,785.1 525.2 1,142.3 1,760.7 2,407.4 3,021.0
Créditos de Dudoso Recaudo 929.7 3,031.4 501.8 501.8 1,003.3 1,003.9 1,016.1
Otros 5,592.5 6,190.0 555.3 1,897.3 2,490.6 3,079.0 3,671.2

GASTOS DIVERSOS 53,183.4 59,758.7 4,701.9 9,100.1 13,822.7 18,778.8 25,092.2


Impuestos y Contribuciones 1,486.8 1,597.7 186.2 283.5 398.0 497.0 597.7
Arrendamientos 7,679.1 8,412.1 736.5 1,458.3 2,242.9 2,988.9 3,697.7
Reparaciones y Mantenimiento 4,212.0 4,973.1 383.8 805.1 1,247.6 1,776.0 2,537.9
Otros Gastos 39,805.5 44,775.8 3,395.5 6,553.2 9,934.1 13,517.0 18,259.0

RESULTADO DE OPERACION 63,032.7 78,866.0 1,920.3 12,061.3 21,743.0 29,284.6 34,515.7

PRODUC. EXTRAORDINARIOS 120.2 119.8 385.3 0.0 1.4 4.1 312.3

EGRESOS EXTRAORDINARIOS 292.3 333.4 0.0 0.0 15.4 15.4 15.4

RESULTADOS DE EJERC. ANT. 4.5 4.5 0.0 0.0 0.0 0.0 0.0

GTOS. DE EJERC. ANTERIORES 842.9 842.9 0.0 0.0 0.0 0.0 0.0

IMPUESTO SOBRE LA RENTA 3,253.5 4,425.6 691.7 1,090.4 2,237.1 2,477.0 2,536.3

RESULTADOS DEL EJERCICIO 58,768.7 73,388.4 1,613.9 10,970.9 19,491.9 26,796.3 32,276.3

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

144,520.3 167,618.8 195,141.7 223,797.5 249,800.4 277,410.5 310,157.8 20,338.5

108,671.0 124,153.3 144,361.5 165,867.3 185,197.2 204,045.4 224,234.3 18,929.9


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
13,395.4 18,476.7 23,132.6 27,397.8 32,128.2 35,870.7 39,123.3 2,227.7
95,199.4 105,592.4 121,140.9 138,377.5 152,899.8 167,851.2 184,331.4 16,679.0
45,578.4 48,803.4 56,489.8 65,907.9 72,683.3 79,765.7 90,596.3 7,984.3
24,479.6 27,874.2 32,090.3 36,465.5 40,750.0 45,064.6 46,540.7 4,426.2
7,026.1 8,516.8 10,117.7 11,822.9 13,549.5 15,296.5 17,237.6 1,946.1
18,115.4 20,398.1 22,443.0 24,181.1 25,917.0 27,724.4 29,956.8 2,322.5
76.2 84.2 88.0 92.1 169.2 323.5 779.7 23.2

33,458.3 40,497.9 47,064.5 53,512.3 59,410.2 66,915.7 77,638.3 0.0

2,391.0 2,967.5 3,715.8 4,418.0 5,193.0 6,449.5 8,285.1 1,408.6

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

43,189.5 50,979.3 59,067.5 66,395.6 73,711.1 80,642.7 87,469.9 6,963.2

42,788.7 50,508.8 58,532.1 65,809.7 73,072.4 79,947.5 86,723.1 6,908.9


1,987.5 2,298.0 2,655.8 3,052.6 3,335.7 3,514.3 3,709.4 213.6
6,747.5 8,352.2 9,549.0 10,626.0 11,870.6 13,068.0 14,180.8 1,207.4
22,671.1 26,581.3 30,984.8 35,224.0 39,429.6 43,380.8 47,342.8 3,989.7
11,382.7 13,277.3 15,342.6 16,907.1 18,436.5 19,984.4 21,490.1 1,498.1

305.0 355.0 405.0 455.0 505.0 555.0 605.0 50.0

95.8 115.5 130.4 130.9 133.7 140.2 141.8 4.3

101,330.8 116,639.5 136,074.2 157,401.9 176,089.3 196,767.8 222,687.9 13,375.3

20,347.0 25,409.3 28,403.6 30,831.2 34,885.5 38,787.7 42,107.5 4,403.8

15,822.5 20,154.8 22,430.0 24,240.5 27,100.5 30,238.9 32,744.2 3,416.0


594.7 2,496.7 2,583.1 2,641.4 2,709.7 2,769.2 2,835.4 62.5
671.3 869.8 1,086.3 1,351.6 1,754.6 2,532.3 2,593.4 47.0
14,556.4 16,788.3 18,760.7 20,247.5 22,636.3 24,937.5 27,315.4 3,306.6

343.1 403.1 462.1 506.6 569.5 639.9 719.3 325.1

4,181.4 4,851.3 5,511.6 6,084.1 7,215.6 7,908.9 8,644.1 662.7

78,061.3 92,693.9 107,168.8 121,507.7 136,653.3 152,588.7 170,583.6 14,579.5

37,854.7 44,230.3 51,069.0 57,527.6 64,757.0 72,072.2 79,091.5 6,586.1


298.6 328.4 405.7 435.5 455.5 485.3 505.3 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
298.6 328.4 405.7 435.5 455.5 485.3 505.3 0.0
37,556.1 43,901.9 50,663.3 57,092.1 64,301.5 71,586.9 78,586.2 6,586.1
22,842.9 26,601.3 30,396.3 34,175.1 38,253.4 42,232.1 46,150.5 4,179.8
14,713.1 17,300.7 20,267.0 22,917.0 26,048.2 29,354.8 32,435.8 2,406.4

9,003.0 10,634.1 12,389.0 14,077.5 15,660.2 17,233.0 18,853.2 1,774.2


3,656.3 4,303.7 4,967.4 5,751.9 6,437.3 7,106.0 7,797.0 697.2
1,016.1 1,042.6 1,043.8 1,044.1 1,051.2 1,051.5 1,073.8 0.0
4,330.5 5,287.8 6,377.8 7,281.5 8,171.7 9,075.5 9,982.4 1,076.9

31,203.6 37,829.5 43,710.8 49,902.5 56,236.0 63,283.4 72,638.9 6,219.3


698.3 826.4 1,092.8 1,197.5 1,331.1 1,425.9 1,551.6 247.4
4,455.1 5,212.5 5,979.2 6,734.6 7,504.5 8,303.0 9,104.3 889.6
3,130.2 3,734.2 4,356.1 5,141.5 5,911.6 6,692.4 7,669.2 524.5
22,920.1 28,056.5 32,282.7 36,828.9 41,488.8 46,862.1 54,313.7 4,557.8

43,616.5 49,354.8 57,309.1 66,725.5 74,321.6 82,966.8 94,211.8 3,199.6

312.3 523.8 534.3 536.7 536.7 536.7 537.0 0.0

15.4 15.4 15.4 15.4 15.4 15.4 515.4 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

3,086.5 2,759.6 3,179.1 4,070.4 4,579.8 4,921.7 5,078.5 909.9

40,826.9 47,103.7 54,648.9 63,176.4 70,263.1 78,566.4 89,154.9 2,289.7


BANCO FINANCIERA CENTROAMERICANA, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 227,229.9 250,060.5 22,800.6 45,660.2 68,806.8 92,799.2 116,676.0

INTERESES 218,694.4 241,209.2 22,499.0 45,082.8 67,643.3 91,321.3 114,888.9


Sobre Disponibilidades 4,114.0 5,081.1 887.7 1,958.8 3,022.6 3,910.2 4,373.4
Sobre Inversiones 4,295.4 4,330.6 49.8 133.2 461.7 622.7 1,201.7
Sobre Cartera de Préstamos 193,905.8 214,108.6 20,328.8 40,462.2 60,062.5 80,955.8 101,674.8
Préstamos Hipotecarios 42,857.0 47,094.5 4,137.8 8,310.2 11,989.9 16,429.8 20,971.1
Préstamos Fiduciarios 83,112.2 90,980.8 7,547.9 14,616.9 21,521.9 28,896.0 36,038.1
Préstamos con Garantía Accesoria 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros Préstamos 67,936.5 76,033.4 8,643.1 17,535.2 26,550.6 35,630.0 44,665.6
Otros 16,379.2 17,688.8 1,232.7 2,528.6 4,096.5 5,832.6 7,639.0

DIV. SOBRE ACCIONES Y PART. 19.2 19.2 1.0 1.0 1.0 9.3 9.9

COMISIONES 2,769.7 3,082.6 300.5 576.2 1,162.0 1,468.1 1,776.6

OTROS PRODUCTOS 5,746.5 5,749.5 0.1 0.2 0.5 0.5 0.6

GASTOS FINANCIEROS 120,465.8 132,189.6 12,403.0 24,900.9 37,362.7 50,160.4 62,990.7

INTERESES 115,041.8 126,761.8 12,400.3 24,897.7 37,358.3 50,154.8 62,984.8


Sobre Depósitos en Cta. de Cheques 2,618.8 2,843.0 264.9 549.9 872.2 1,205.6 1,476.7
Sobre Depósitos de Ahorro 22,870.7 25,217.1 2,476.6 4,765.8 6,975.7 9,156.0 11,216.4
Sobre Depósitos a Plazo 43,743.8 48,235.7 4,324.2 8,627.2 12,999.0 17,446.8 22,167.2
Otras Obligaciones 45,808.5 50,466.1 5,334.7 10,954.7 16,511.5 22,346.4 28,124.6

COMISIONES 21.9 23.0 1.1 1.7 2.8 4.0 4.3

OTROS GASTOS 5,402.1 5,404.8 1.5 1.5 1.6 1.6 1.6

RESULTADO FINANCIERO 106,764.0 117,870.9 10,397.7 20,759.3 31,444.1 42,638.8 53,685.3

PRODUCTOS POR SERVICIOS 32,745.2 36,409.9 3,136.8 6,103.9 10,093.5 13,991.5 18,156.2

COMISIONES 25,662.6 28,647.2 2,466.2 4,891.3 8,014.3 11,249.0 14,801.8


Giros y Transferencias 3,725.8 4,238.9 431.4 902.3 1,410.5 1,848.4 2,529.6
Fideicomisos y Administración 1,210.1 1,326.2 37.2 77.6 473.8 546.5 880.8
Otras 20,726.7 23,082.2 1,997.7 3,911.5 6,130.0 8,854.1 11,391.4

ARRENDAMIENTOS 3,722.0 4,067.4 350.8 691.9 1,032.1 1,408.9 1,782.0

OTROS 3,360.7 3,695.3 319.8 520.7 1,047.2 1,333.6 1,572.4

GTOS. DE ADMINISTRACION 107,059.4 118,548.5 11,446.3 22,385.5 32,898.3 44,287.6 55,779.7

GASTOS EN PERSONAL 54,888.4 60,611.7 5,473.4 10,891.1 16,380.3 21,951.6 27,647.5


Consejeros y Directores 3,669.6 4,064.5 355.8 718.5 1,087.7 1,452.3 1,860.4
Sueldos 730.0 824.0 69.0 138.0 207.0 276.0 345.0
Otros 2,939.6 3,240.5 286.8 580.5 880.7 1,176.3 1,515.4
Funcionarios y Empleados 51,218.8 56,547.1 5,117.6 10,172.5 15,292.6 20,499.2 25,787.1
Sueldos 36,881.6 40,383.5 3,633.7 7,251.4 10,873.5 14,478.9 18,401.0
Otros 14,337.2 16,163.6 1,484.0 2,921.1 4,419.1 6,020.4 7,386.1

DEPRECIACIONES Y AMORT. 9,610.7 11,799.3 1,069.6 2,140.9 3,210.5 4,281.3 5,357.0


Muebles e Inmuebles 6,132.5 6,661.4 543.6 1,091.0 1,633.8 2,178.2 2,724.4
Créditos de Dudoso Recaudo 3,265.9 4,854.0 475.6 949.1 1,425.6 1,902.3 2,382.1
Otros 212.4 283.9 50.4 100.7 151.1 200.8 250.5

GASTOS DIVERSOS 42,560.2 46,137.5 4,903.3 9,353.5 13,307.5 18,054.8 22,775.1


Impuestos y Contribuciones 1,023.2 1,125.4 198.5 290.9 382.2 473.2 563.9
Arrendamientos 9,759.7 10,629.5 1,206.5 2,348.4 3,477.8 4,673.1 5,867.6
Reparaciones y Mantenimiento 5,625.6 5,960.6 705.8 1,369.7 2,099.6 2,887.4 3,622.5
Otros Gastos 26,151.8 28,422.1 2,792.5 5,344.5 7,348.0 10,021.2 12,721.1

RESULTADO DE OPERACION 32,449.9 35,732.3 2,088.2 4,477.7 8,639.3 12,342.7 16,061.8

PRODUC. EXTRAORDINARIOS 648.3 1,339.0 0.0 39.9 61.6 61.6 61.6

EGRESOS EXTRAORDINARIOS 112.6 137.7 0.0 0.0 32.9 31.9 31.9

RESULTADOS DE EJERC. ANT. 0.0 0.0 530.7 530.7 591.2 591.2 591.2

GTOS. DE EJERC. ANTERIORES 0.0 0.0 0.0 0.0 0.0 0.0 0.0

IMPUESTO SOBRE LA RENTA 9,882.4 10,824.3 775.7 1,544.5 2,847.8 3,999.1 5,189.8

RESULTADOS DEL EJERCICIO 23,103.2 26,109.2 1,843.2 3,503.8 6,411.5 8,964.5 11,492.9

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

140,398.2 164,894.3 190,281.6 215,481.6 240,838.2 267,252.9 293,244.4 27,011.7

138,444.8 162,678.4 187,850.4 212,590.1 237,736.6 263,931.2 289,734.4 26,796.4


4,612.4 5,060.6 5,538.0 5,851.8 6,344.8 6,771.1 7,216.0 487.9
1,861.2 2,480.5 3,081.6 3,679.7 4,282.2 4,936.0 5,599.5 650.9
122,881.7 144,220.9 166,394.4 188,348.9 210,568.3 233,676.4 256,186.3 23,376.0
26,068.6 30,860.8 35,782.6 40,687.1 45,493.9 50,236.9 55,053.2 5,183.6
43,241.2 50,917.9 59,045.3 67,075.5 75,149.9 83,713.7 92,463.3 8,804.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
53,572.0 62,442.2 71,566.5 80,586.3 89,924.5 99,725.8 108,669.8 9,387.9
9,089.5 10,916.5 12,836.5 14,709.8 16,541.3 18,547.6 20,732.7 2,281.6

12.0 13.3 13.3 13.3 14.6 14.6 14.6 1.3

1,940.7 2,202.1 2,417.3 2,875.1 3,086.5 3,304.6 3,488.0 211.4

0.6 0.5 0.5 3.1 0.6 2.4 7.3 2.6

75,421.8 87,978.7 101,118.7 114,177.1 127,559.9 141,596.7 155,194.3 14,225.4

75,415.6 87,972.2 101,059.9 114,057.1 127,383.5 141,360.0 154,920.6 14,111.2


1,778.3 2,001.3 2,213.8 2,402.5 2,591.8 2,784.2 2,985.9 208.9
13,201.9 15,217.5 17,276.4 19,266.1 21,448.2 23,706.1 26,077.2 2,308.8
26,818.7 31,478.0 36,157.9 40,937.9 45,482.2 50,232.5 55,022.7 4,896.4
33,616.7 39,275.5 45,411.8 51,450.6 57,861.2 64,637.4 70,834.7 6,697.2

4.7 4.9 57.3 115.6 174.7 232.7 269.1 111.1

1.6 1.6 1.6 4.4 1.7 3.9 4.6 3.1

64,976.3 76,915.7 89,162.9 101,304.6 113,278.4 125,656.2 138,050.1 12,786.3

21,671.0 25,240.7 29,002.3 32,148.1 36,003.3 39,563.4 44,758.6 4,494.8

17,676.1 20,636.4 23,805.9 26,287.3 29,170.4 31,980.1 35,552.5 3,762.8


3,001.3 3,492.2 4,032.0 4,537.3 5,164.9 5,670.1 6,244.9 536.0
971.8 1,004.9 1,075.6 1,117.4 1,318.7 1,368.3 1,563.1 34.4
13,703.0 16,139.3 18,698.3 20,632.7 22,686.7 24,941.7 27,744.5 3,192.4

2,165.1 2,536.4 2,915.4 3,283.3 3,655.1 4,026.7 4,396.4 384.2

1,829.8 2,067.9 2,281.0 2,577.5 3,177.8 3,556.7 4,809.7 347.8

67,680.7 79,761.5 91,962.0 104,883.7 117,663.7 130,325.6 141,974.1 12,149.0

33,611.8 39,655.9 45,859.1 51,895.0 57,903.3 63,891.8 69,197.8 6,111.4


2,247.0 2,635.8 3,026.6 3,406.1 3,797.4 4,282.5 5,426.5 323.0
414.0 483.0 552.0 621.0 690.0 834.0 1,648.0 0.0
1,833.0 2,152.8 2,474.6 2,785.1 3,107.4 3,448.5 3,778.5 323.0
31,364.8 37,020.1 42,832.5 48,488.9 54,105.9 59,609.3 63,771.2 5,788.4
22,293.8 26,289.4 30,301.5 34,249.8 38,275.6 42,242.8 45,622.8 4,073.5
9,071.0 10,730.7 12,530.9 14,239.0 15,830.4 17,366.5 18,148.5 1,714.9

6,454.8 7,713.9 8,833.8 10,766.2 12,729.5 14,694.0 16,681.4 1,187.4


3,270.0 3,820.9 4,375.4 4,937.8 5,516.0 6,089.2 6,667.4 575.4
2,859.0 3,500.9 3,984.6 4,467.0 4,951.3 5,441.4 5,934.3 485.7
325.9 392.1 473.9 1,361.4 2,262.2 3,163.4 4,079.7 126.3

27,614.1 32,391.7 37,269.1 42,222.6 47,030.9 51,739.8 56,095.0 4,850.2


654.5 789.7 934.2 1,025.4 1,123.3 1,212.9 1,353.1 282.2
7,026.7 8,188.4 9,451.5 10,732.5 11,983.2 12,956.6 14,072.3 1,332.8
4,344.7 5,136.5 5,850.7 6,526.9 7,121.4 7,810.1 8,357.1 609.2
15,588.2 18,277.0 21,032.7 23,937.8 26,803.0 29,760.3 32,312.5 2,626.0

18,966.7 22,394.9 26,203.2 28,569.0 31,618.0 34,894.1 40,834.6 5,132.1

68.0 71.0 132.5 216.6 218.5 218.5 238.0 0.0

31.9 31.9 31.9 34.2 34.2 34.2 35.1 0.0

591.2 591.2 591.2 591.2 591.2 591.2 591.4 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

5,775.2 6,777.6 8,458.5 8,784.0 9,739.8 10,770.1 11,067.6 1,498.5

13,818.8 16,247.7 18,436.5 20,558.6 22,653.8 24,899.5 30,561.3 3,633.7


BANCO MERCANTIL, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 867,013.1 946,161.0 84,667.4 167,380.4 267,852.1 356,597.8 448,023.2

INTERESES 861,749.0 940,896.9 84,667.4 167,380.4 267,852.1 356,597.8 448,023.2


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 72,326.2 109,921.1 7,483.1 14,879.4 30,576.6 37,465.3 49,497.2
Sobre Cartera de Préstamos 741,596.7 790,743.0 73,465.0 143,669.2 221,216.8 296,757.0 374,862.8
Préstamos Hipotecarios 127,495.4 143,408.0 13,420.2 26,538.3 39,947.3 53,637.2 67,686.8
Préstamos Fiduciarios 174,895.3 175,728.1 18,349.3 35,603.4 55,878.1 74,423.5 96,521.4
Préstamos con Garantía Accesoria 152,844.8 158,770.7 14,878.6 28,633.7 44,454.7 60,179.9 75,714.2
Otros Préstamos 286,361.1 312,836.2 26,817.0 52,893.9 80,936.8 108,516.5 134,940.4
Otros 47,826.2 40,232.9 3,719.2 8,831.7 16,058.7 22,375.4 23,663.3

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 508.8 508.8 0.0 0.0 0.0 0.0 0.0

OTROS PRODUCTOS 4,755.2 4,755.2 0.0 0.0 0.0 0.0 0.0

GASTOS FINANCIEROS 385,169.8 426,016.3 42,975.4 84,447.1 127,912.3 170,330.8 214,204.2

INTERESES 385,169.8 426,016.3 42,975.4 84,447.1 127,912.3 170,330.8 214,204.2


Sobre Depósitos en Cta. de Cheques 8,209.7 9,063.7 950.7 1,798.7 2,719.8 3,663.7 4,659.1
Sobre Depósitos de Ahorro 100,422.7 111,711.4 11,815.4 22,873.5 35,265.9 46,709.7 58,212.3
Sobre Depósitos a Plazo 179,380.8 198,603.2 18,450.1 37,345.4 55,914.0 74,340.4 91,453.5
Otras Obligaciones 97,156.7 106,638.0 11,759.2 22,429.5 34,012.5 45,617.0 59,879.3

COMISIONES 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS GASTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

RESULTADO FINANCIERO 481,843.3 520,144.7 41,692.0 82,933.3 139,939.8 186,267.0 233,819.0

PRODUCTOS POR SERVICIOS 200,402.8 225,556.2 19,705.4 36,988.8 60,624.0 76,461.6 101,178.1

COMISIONES 130,902.3 142,810.8 13,950.6 25,767.3 40,540.2 50,548.5 64,859.4


Giros y Transferencias 1,549.1 1,729.9 167.5 325.7 498.3 619.8 780.4
Fideicomisos y Administración 9,837.7 10,720.5 920.3 2,058.6 3,311.5 3,864.2 5,224.8
Otras 119,515.6 130,360.3 12,862.8 23,383.1 36,730.4 46,064.5 58,854.2

ARRENDAMIENTOS 6,863.7 8,024.2 656.7 1,429.2 2,445.7 3,115.4 3,749.9

OTROS 62,636.9 74,721.2 5,098.1 9,792.3 17,638.0 22,797.7 32,568.8

GTOS. DE ADMINISTRACION 520,511.8 529,371.9 44,662.6 90,001.6 136,405.2 180,666.9 228,269.3

GASTOS EN PERSONAL 189,545.5 206,974.4 18,217.1 36,252.4 55,018.7 72,995.8 91,282.8


Consejeros y Directores 4,806.3 5,261.8 407.5 851.0 1,317.4 1,711.9 2,111.4
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 4,806.3 5,261.8 407.5 851.0 1,317.4 1,711.9 2,111.4
Funcionarios y Empleados 184,739.2 201,712.7 17,809.6 35,401.5 53,701.3 71,283.9 89,171.4
Sueldos 107,008.6 117,778.0 10,498.7 21,182.0 32,019.6 42,961.0 53,978.6
Otros 77,730.6 83,934.6 7,310.9 14,219.4 21,681.7 28,322.9 35,192.8

DEPRECIACIONES Y AMORT. 91,193.4 104,850.4 8,747.6 17,269.8 25,046.5 32,900.9 41,940.1


Muebles e Inmuebles 21,285.9 23,020.7 1,760.1 3,543.7 5,325.8 7,117.0 9,652.1
Créditos de Dudoso Recaudo 34,103.1 40,146.3 3,587.5 7,193.2 10,780.7 14,368.2 17,955.6
Otros 35,804.4 41,683.4 3,400.1 6,532.9 8,940.1 11,415.7 14,332.4

GASTOS DIVERSOS 239,772.9 217,547.0 17,697.9 36,479.4 56,339.9 74,770.2 95,046.3


Impuestos y Contribuciones 5,845.2 6,322.1 546.0 1,084.5 1,519.4 2,006.0 3,030.3
Arrendamientos 39,293.4 43,289.2 3,662.4 7,579.2 11,617.6 15,314.8 19,219.7
Reparaciones y Mantenimiento 15,379.2 16,902.9 887.2 2,166.4 3,717.5 5,004.8 6,528.5
Otros Gastos 179,255.2 151,032.9 12,602.4 25,649.3 39,485.4 52,444.7 66,267.9

RESULTADO DE OPERACION 161,734.3 216,329.1 16,734.7 29,920.4 64,158.6 82,061.7 106,727.9

PRODUC. EXTRAORDINARIOS 5,668.3 7,041.5 187.8 474.4 8,199.8 9,860.2 9,996.0

EGRESOS EXTRAORDINARIOS 8,452.6 8,408.4 0.0 0.5 3,821.6 4,447.6 4,447.7

RESULTADOS DE EJERC. ANT. 887.5 897.5 78.1 81.8 90.9 94.1 99.0

GTOS. DE EJERC. ANTERIORES 0.0 0.0 0.0 0.0 0.0 0.0 0.0

IMPUESTO SOBRE LA RENTA 47,871.3 60,893.9 5,050.2 9,092.8 18,039.5 23,656.6 31,098.6

RESULTADOS DEL EJERCICIO 111,966.3 154,965.8 11,950.4 21,383.3 50,588.1 63,911.7 81,276.5

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

550,966.7 641,037.6 733,853.0 830,303.7 925,364.5 1,018,760.6 1,135,014.1 101,745.2

550,966.7 641,037.6 733,853.0 830,303.7 925,364.5 1,017,872.2 1,134,125.8 101,745.2


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
66,980.3 73,137.4 79,471.8 92,608.4 98,766.4 104,609.6 140,833.3 11,572.5
450,563.0 527,931.3 605,769.0 680,345.5 760,997.7 839,542.9 911,278.3 81,330.8
82,520.7 97,393.7 113,030.4 128,158.2 144,972.9 160,602.0 176,284.3 15,855.4
117,363.9 139,536.7 161,264.9 181,709.0 202,734.6 222,836.5 235,801.9 21,094.9
88,743.7 101,243.8 114,990.0 128,169.7 142,678.4 156,758.9 171,771.5 16,061.8
161,934.7 189,757.1 216,483.7 242,308.7 270,611.8 299,345.5 327,420.6 28,318.7
33,423.4 39,968.9 48,612.2 57,349.8 65,600.5 73,719.7 82,014.2 8,842.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 888.3 888.3 0.0

256,653.9 298,758.8 342,212.0 385,727.5 428,962.6 470,887.2 515,089.1 45,810.7

256,653.9 298,758.8 342,212.0 385,727.5 428,962.6 470,887.2 515,089.1 45,810.7


5,679.1 5,871.1 7,665.6 8,933.2 9,912.5 10,942.3 11,730.3 948.7
69,872.9 82,033.5 93,631.7 104,677.5 115,965.8 126,929.4 139,078.8 12,517.4
108,324.8 125,217.8 142,387.5 159,510.4 176,607.1 193,718.7 210,766.8 16,853.1
72,777.1 85,636.4 98,527.2 112,606.4 126,477.2 139,296.9 153,513.1 15,491.5

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

294,312.8 342,278.8 391,640.9 444,576.2 496,402.0 547,873.3 619,925.0 55,934.6

120,024.1 138,144.2 156,503.6 173,594.4 191,253.7 212,209.5 232,931.4 21,785.2

76,349.1 88,252.5 99,215.0 109,244.0 120,033.1 133,265.5 146,336.7 14,327.7


940.3 1,108.9 1,274.1 1,447.7 1,632.7 1,818.3 2,006.2 171.5
6,209.2 6,641.6 7,270.8 7,698.1 8,141.0 10,150.4 10,844.3 575.2
69,199.6 80,502.0 90,670.2 100,098.2 110,259.4 121,296.9 133,486.3 13,581.1

4,429.0 5,051.6 5,663.3 6,275.4 6,964.6 7,647.6 8,281.8 648.2

39,246.0 44,840.1 51,625.3 58,075.0 64,256.1 71,296.4 78,312.8 6,809.3

273,449.8 321,011.6 377,415.1 426,564.5 473,755.9 521,924.0 603,349.6 54,735.1

110,321.9 129,537.3 150,297.1 170,398.6 188,842.3 208,262.6 229,717.5 25,638.8


2,542.9 2,958.4 3,418.8 3,814.3 4,202.8 4,663.3 4,945.0 127.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2,542.9 2,958.4 3,418.8 3,814.3 4,202.8 4,663.3 4,945.0 127.0
107,779.0 126,578.9 146,878.2 166,584.3 184,639.5 203,599.4 224,772.5 25,511.8
65,206.1 76,519.7 87,779.9 99,202.8 110,694.8 122,196.0 134,448.7 11,786.6
42,572.9 50,059.2 59,098.4 67,381.5 73,944.7 81,403.4 90,323.8 13,725.2

50,360.9 58,888.2 73,059.2 81,866.5 90,458.9 99,217.1 135,149.4 9,516.6


11,586.1 13,521.1 15,595.9 17,851.3 19,935.7 22,284.0 24,599.5 2,667.9
21,543.1 25,130.6 34,930.6 39,180.6 43,480.6 47,680.6 76,430.6 4,250.0
17,231.7 20,236.5 22,532.7 24,834.6 27,042.6 29,252.6 34,119.2 2,598.6

112,767.0 132,586.1 154,058.8 174,299.5 194,454.6 214,444.3 238,482.8 19,579.8


3,594.5 4,235.2 5,302.6 6,091.8 6,931.5 7,662.6 8,307.6 995.6
23,108.9 27,016.9 30,933.0 34,817.7 39,193.6 43,345.3 47,449.7 3,883.6
8,051.2 9,776.0 11,967.3 13,331.4 14,936.7 16,355.0 18,613.2 1,283.1
78,012.4 91,558.2 105,855.9 120,058.5 133,392.9 147,081.4 164,112.3 13,417.5

140,887.2 159,411.4 170,729.5 191,606.0 213,899.8 238,158.8 249,506.8 22,984.7

12,554.8 12,851.4 20,448.8 24,583.6 24,758.0 24,957.4 26,025.7 163.4

4,483.0 4,493.6 4,502.4 5,177.7 5,177.7 5,177.7 9,846.2 0.0

155.9 159.9 256.6 281.6 385.3 385.3 385.3 0.0

0.0 0.0 0.0 0.0 0.0 873.5 873.5 0.0

38,958.7 44,604.2 50,305.2 55,636.4 62,407.9 69,483.4 70,591.8 6,032.4

110,156.2 123,324.9 136,627.3 155,657.1 171,457.4 187,966.9 194,606.4 17,115.6


BANCO HONDUREÑO DEL CAFE, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 202,914.8 224,871.1 23,426.4 45,237.5 66,616.8 89,185.1 110,581.8

INTERESES 202,875.4 224,828.2 23,422.3 45,224.9 66,596.1 89,160.6 110,547.2


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 51,270.7 56,646.5 4,948.8 9,822.6 16,075.4 21,876.3 27,561.7
Sobre Cartera de Préstamos 138,181.3 168,181.5 17,953.5 34,526.3 49,072.6 64,944.8 79,964.3
Préstamos Hipotecarios 65,199.1 72,357.3 6,906.6 13,892.3 20,358.7 26,998.2 34,596.5
Préstamos Fiduciarios 31,206.3 34,755.0 3,754.0 7,400.1 11,147.4 16,678.2 21,060.8
Préstamos con Garantía Accesoria 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros Préstamos 41,775.9 61,069.2 7,293.0 13,233.9 17,566.5 21,268.5 24,307.0
Otros 13,423.4 0.1 519.9 876.1 1,448.1 2,339.4 3,021.2

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 39.3 42.9 4.1 12.5 20.7 24.5 34.7

OTROS PRODUCTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GASTOS FINANCIEROS 80,613.3 90,638.7 8,046.3 16,016.2 24,790.6 33,779.6 42,101.7

INTERESES 80,558.3 88,873.4 8,039.0 16,008.4 24,782.7 33,771.3 42,076.0


Sobre Depósitos en Cta. de Cheques 3,963.2 4,415.5 328.3 622.7 939.8 1,309.0 1,556.7
Sobre Depósitos de Ahorro 37,365.1 41,209.8 3,958.5 7,763.2 12,248.3 16,731.3 20,785.9
Sobre Depósitos a Plazo 11,430.5 12,447.9 828.6 1,683.9 2,579.2 3,495.4 4,379.2
Otras Obligaciones 27,799.4 30,800.2 2,923.6 5,938.6 9,015.6 12,235.6 15,354.2

COMISIONES 55.0 1,765.3 7.3 7.8 7.8 8.3 25.7

OTROS GASTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

RESULTADO FINANCIERO 122,301.4 134,232.4 15,380.1 29,221.3 41,826.2 55,405.5 68,480.2

PRODUCTOS POR SERVICIOS 33,099.8 38,978.3 2,831.6 6,721.2 10,855.0 14,484.4 18,305.8

COMISIONES 21,492.6 25,960.4 1,998.3 4,966.6 7,531.9 10,113.3 12,830.8


Giros y Transferencias 5,500.4 6,128.5 447.8 1,003.0 1,506.0 2,016.4 2,538.8
Fideicomisos y Administración 2,060.0 4,074.9 0.0 0.0 0.0 0.0 0.0
Otras 13,932.2 15,757.0 1,550.5 3,963.6 6,025.8 8,096.9 10,292.0

ARRENDAMIENTOS 298.9 467.1 0.0 25.5 27.0 182.3 182.3

OTROS 11,308.3 12,550.8 833.3 1,729.0 3,296.2 4,188.9 5,292.6

GTOS. DE ADMINISTRACION 151,529.2 167,717.4 17,470.6 35,625.1 52,197.2 69,107.4 89,219.6

GASTOS EN PERSONAL 76,190.9 83,064.8 7,387.3 15,872.3 23,860.0 31,789.2 40,972.3


Consejeros y Directores 3,821.6 4,300.1 361.0 765.2 1,211.8 1,747.0 2,224.9
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 3,821.6 4,300.1 361.0 765.2 1,211.8 1,747.0 2,224.9
Funcionarios y Empleados 72,369.3 78,764.6 7,026.3 15,107.1 22,648.3 30,042.2 38,747.4
Sueldos 52,033.3 56,411.0 4,980.1 10,138.2 15,481.9 20,631.5 25,811.5
Otros 20,336.1 22,353.6 2,046.2 4,968.9 7,166.4 9,410.8 12,936.0

DEPRECIACIONES Y AMORT. 21,567.3 23,657.6 3,397.2 7,069.6 10,410.4 13,724.0 18,365.7


Muebles e Inmuebles 4,093.9 4,478.4 400.6 814.3 1,234.1 1,612.6 2,028.0
Créditos de Dudoso Recaudo 1,699.9 1,699.9 1,287.9 1,287.9 1,287.9 1,287.9 1,307.9
Otros 15,773.4 17,479.2 1,708.6 4,967.5 7,888.4 10,823.5 15,029.8

GASTOS DIVERSOS 53,771.0 60,995.1 6,686.1 12,683.1 17,926.7 23,594.2 29,881.6


Impuestos y Contribuciones 1,371.8 1,386.7 115.5 223.1 342.9 452.5 561.2
Arrendamientos 5,891.4 6,575.1 665.6 1,357.0 2,041.9 2,760.8 3,467.8
Reparaciones y Mantenimiento 8,386.1 9,684.7 916.0 2,050.0 2,976.6 3,858.4 4,874.6
Otros Gastos 38,121.6 43,348.6 4,989.1 9,053.1 12,565.3 16,522.5 20,978.1

RESULTADO DE OPERACION 3,871.9 5,493.3 741.1 317.4 484.1 782.5 (2,433.7)

PRODUC. EXTRAORDINARIOS 5,285.7 5,916.8 39.8 1,203.8 1,465.0 1,898.3 7,632.3

EGRESOS EXTRAORDINARIOS 81.9 81.9 0.0 0.0 0.0 0.7 0.7

RESULTADOS DE EJERC. ANT. 553.5 603.0 496.5 781.0 1,164.5 1,270.1 1,319.0

GTOS. DE EJERC. ANTERIORES 1,350.5 743.4 0.7 3.6 44.4 44.4 44.6

IMPUESTO SOBRE LA RENTA 2,719.9 3,164.1 317.2 617.3 859.1 1,155.2 1,938.2

RESULTADOS DEL EJERCICIO 5,558.8 8,023.6 959.5 1,681.2 2,210.1 2,750.6 4,534.1

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

134,508.8 157,150.5 176,271.7 197,558.1 218,729.1 253,201.5 276,331.7 22,031.1

134,462.9 157,093.3 176,207.2 197,486.9 218,650.1 253,014.0 276,124.1 21,999.3


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
33,670.4 39,206.1 44,217.6 49,222.8 54,893.2 66,593.1 73,118.3 6,167.5
96,931.1 112,339.1 125,766.7 141,454.1 156,516.3 174,433.8 190,469.7 15,349.6
42,350.5 49,150.7 56,155.9 63,258.9 70,983.7 79,061.6 86,954.6 7,398.7
27,755.8 32,753.7 37,406.0 41,339.8 45,443.4 51,677.1 56,728.0 5,301.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
26,824.8 30,434.7 32,204.9 36,855.4 40,089.2 43,695.2 46,787.2 2,649.4
3,861.4 5,548.1 6,222.8 6,810.0 7,240.6 11,987.1 12,536.1 482.3

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

45.8 57.2 64.5 71.2 79.0 187.4 207.7 31.8

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

50,246.6 58,481.6 66,396.7 74,115.3 81,921.0 89,798.5 97,943.6 8,378.7

50,172.1 58,404.0 66,271.8 73,941.7 81,670.2 89,528.0 97,620.1 8,346.9


1,836.3 2,123.0 2,381.5 2,640.8 2,861.8 3,064.8 3,293.7 222.9
24,777.4 28,894.5 32,708.3 36,344.5 40,100.2 43,931.2 48,089.7 4,290.4
5,214.5 6,039.4 6,883.9 7,703.8 8,508.5 9,308.8 10,070.0 898.5
18,343.9 21,347.1 24,298.1 27,252.6 30,199.7 33,223.2 36,166.8 2,935.1

74.5 77.7 125.0 173.6 250.8 270.5 323.5 31.8

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

84,262.2 98,668.8 109,875.0 123,442.8 136,808.1 163,402.9 178,388.1 13,652.4

21,921.5 25,530.2 28,910.5 32,868.1 37,249.0 42,865.5 47,858.8 3,800.8

15,334.2 17,878.7 20,251.3 22,983.4 26,075.2 29,799.9 32,801.0 2,588.5


3,056.8 3,563.7 4,120.8 4,661.6 5,225.7 5,853.4 6,429.4 467.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
12,277.4 14,315.0 16,130.5 18,321.7 20,849.5 23,946.5 26,371.6 2,120.6

182.3 182.3 182.3 182.3 182.3 182.3 182.3 0.0

6,404.9 7,469.2 8,476.9 9,702.5 10,991.4 12,883.2 14,875.4 1,212.3

106,144.2 122,188.4 140,558.3 156,934.0 171,673.6 192,119.6 225,585.8 15,670.7

49,292.8 57,225.2 65,247.4 73,221.1 80,873.1 89,446.4 102,791.9 7,987.5


2,679.3 3,108.9 3,551.1 3,939.9 4,394.6 4,801.4 9,260.9 519.4
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2,679.3 3,108.9 3,551.1 3,939.9 4,394.6 4,801.4 9,260.9 519.4
46,613.5 54,116.2 61,696.3 69,281.3 76,478.5 84,645.0 93,531.0 7,468.1
31,224.7 36,539.7 41,880.5 47,067.2 52,369.5 57,800.0 65,055.0 5,361.5
15,388.8 17,576.5 19,815.8 22,214.1 24,109.0 26,845.0 28,476.0 2,106.6

20,913.7 22,957.0 27,011.6 28,961.5 30,779.2 35,995.3 46,349.4 1,636.6


2,432.8 2,849.3 3,274.0 3,684.2 4,084.8 4,484.0 4,868.8 449.6
1,307.9 1,656.1 1,758.5 1,980.9 2,297.8 2,530.2 17,653.9 56.3
17,172.9 18,451.6 21,979.2 23,296.4 24,396.5 28,981.1 23,826.7 1,130.6

35,937.7 42,006.2 48,299.3 54,751.4 60,021.4 66,677.8 76,444.5 6,046.7


670.1 778.9 958.0 1,082.1 1,203.8 1,328.1 1,353.7 152.8
4,169.9 4,858.8 5,564.1 6,162.3 5,935.4 6,563.0 7,235.7 627.5
5,797.6 6,609.9 7,650.9 8,511.8 9,189.9 10,135.1 11,140.9 833.7
25,300.1 29,758.7 34,126.3 38,995.2 43,692.3 48,651.7 56,714.3 4,432.6

39.5 2,010.7 (1,772.8) (623.1) 2,383.5 14,148.8 661.1 1,782.5

8,146.0 8,328.7 18,704.3 19,510.3 20,040.3 21,210.7 21,601.9 1,116.8

0.7 0.7 0.7 0.7 0.7 0.7 0.7 0.0

1,558.3 1,608.8 1,632.2 1,705.3 1,727.3 1,844.8 16,115.2 296.4

58.5 69.0 69.8 69.8 69.8 69.8 69.8 4.6

2,806.0 3,469.1 5,419.5 5,995.4 7,038.8 10,768.7 6,786.4 876.8

6,878.8 8,409.4 13,073.8 14,526.7 17,041.9 26,365.2 31,521.4 2,314.3


BANCO DEL PAIS, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 718,805.2 788,590.4 77,951.4 156,538.3 240,783.5 327,330.1 404,790.2

INTERESES 687,254.1 753,935.6 75,273.9 151,901.3 233,646.8 317,022.7 391,476.0


Sobre Disponibilidades 14.6 22.5 0.9 3.0 4.4 6.3 8.0
Sobre Inversiones 61,020.1 67,961.7 8,458.2 16,137.0 24,480.4 33,127.6 40,816.8
Sobre Cartera de Préstamos 622,940.3 682,585.6 65,591.5 134,512.3 207,911.9 282,463.1 349,182.5
Préstamos Hipotecarios 99,576.8 108,719.8 9,074.6 18,934.2 28,519.0 37,790.9 48,757.1
Préstamos Fiduciarios 125,460.5 138,011.1 12,339.3 25,493.7 39,406.4 53,256.7 62,100.2
Préstamos con Garantía Accesoria 260,834.2 287,590.8 29,635.7 59,592.4 90,755.9 123,949.3 156,477.0
Otros Préstamos 137,068.8 148,263.9 14,541.8 30,492.0 49,230.7 67,466.2 81,848.2
Otros 3,279.2 3,365.8 1,223.4 1,249.1 1,250.1 1,425.7 1,468.7

DIV. SOBRE ACCIONES Y PART. 2,445.8 3,247.4 0.0 0.0 0.0 314.4 333.7

COMISIONES 19,141.7 21,716.9 2,674.9 4,632.0 7,128.3 9,983.1 12,966.7

OTROS PRODUCTOS 9,963.6 9,690.6 2.6 5.0 8.4 10.0 13.9

GASTOS FINANCIEROS 395,579.8 432,151.1 39,866.8 80,654.2 124,094.2 169,418.0 214,990.7

INTERESES 392,594.3 428,899.0 39,752.9 80,361.6 123,630.2 168,608.3 213,888.1


Sobre Depósitos en Cta. de Cheques 12,833.4 13,863.3 1,128.6 2,121.7 3,502.1 4,799.0 5,968.6
Sobre Depósitos de Ahorro 60,413.3 66,468.0 6,944.0 13,631.6 20,488.3 27,261.1 34,321.4
Sobre Depósitos a Plazo 244,314.0 268,363.0 24,130.9 48,720.4 75,173.5 103,785.1 132,372.3
Otras Obligaciones 75,033.6 80,204.7 7,549.5 15,888.0 24,466.3 32,763.1 41,225.8

COMISIONES 2,969.5 3,235.9 108.1 282.3 453.7 799.4 1,092.3

OTROS GASTOS 16.0 16.3 5.8 10.3 10.3 10.3 10.3

RESULTADO FINANCIERO 323,225.4 356,439.3 38,084.5 75,884.1 116,689.4 157,912.2 189,799.5

PRODUCTOS POR SERVICIOS 129,981.7 158,324.0 11,456.7 31,612.3 48,072.1 59,783.9 75,036.3

COMISIONES 101,229.0 111,970.1 8,998.4 18,131.7 29,060.9 37,340.7 47,592.5


Giros y Transferencias 10,930.1 12,060.6 1,253.2 2,471.9 3,780.2 4,854.3 6,151.0
Fideicomisos y Administración 181.9 589.8 6.1 20.6 35.2 49.8 64.3
Otras 90,117.1 99,319.7 7,739.2 15,639.3 25,245.5 32,436.6 41,377.2

ARRENDAMIENTOS 3,554.2 3,854.0 242.2 484.7 780.9 1,219.5 1,781.4

OTROS 25,198.5 42,499.9 2,216.0 12,995.8 18,230.4 21,223.7 25,662.4

GTOS. DE ADMINISTRACION 367,424.4 415,773.6 41,019.4 102,561.8 140,731.7 177,452.2 216,977.4

GASTOS EN PERSONAL 146,362.9 156,070.4 14,154.0 29,827.2 45,846.3 61,431.0 77,729.2


Consejeros y Directores 1,145.8 1,523.6 57.2 119.6 284.0 377.2 504.1
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 1,145.8 1,523.6 57.2 119.6 284.0 377.2 504.1
Funcionarios y Empleados 145,217.0 154,546.8 14,096.8 29,707.7 45,562.3 61,053.7 77,225.1
Sueldos 109,372.6 120,447.4 10,559.0 22,122.6 33,606.5 45,375.9 57,598.5
Otros 35,844.4 34,099.4 3,537.8 7,585.1 11,955.8 15,677.8 19,626.6

DEPRECIACIONES Y AMORT. 70,717.9 88,895.4 12,490.4 43,425.6 50,257.8 56,263.0 63,194.0


Muebles e Inmuebles 20,687.5 22,744.4 2,100.2 4,168.3 6,368.3 8,463.1 10,564.8
Créditos de Dudoso Recaudo 4,405.1 5,131.1 5,648.0 30,623.7 31,369.4 31,369.4 32,243.0
Otros 45,625.3 61,019.9 4,742.3 8,633.6 12,520.2 16,430.5 20,386.2

GASTOS DIVERSOS 150,343.7 170,807.8 14,375.0 29,309.0 44,627.6 59,758.3 76,054.2


Impuestos y Contribuciones 3,216.2 3,558.6 395.2 684.2 982.3 1,279.1 1,576.6
Arrendamientos 20,254.7 22,583.0 1,976.2 4,290.7 6,337.5 8,409.6 10,712.3
Reparaciones y Mantenimiento 13,837.2 15,943.1 1,503.4 2,985.2 4,686.1 6,324.0 7,953.8
Otros Gastos 113,035.5 128,723.0 10,500.3 21,348.9 32,621.6 43,745.6 55,811.6

RESULTADO DE OPERACION 85,782.6 98,989.7 8,521.8 4,934.5 24,029.8 40,243.8 47,858.4

PRODUC. EXTRAORDINARIOS 32,702.8 34,623.8 1,335.3 26,230.8 29,950.6 30,717.0 45,378.1

EGRESOS EXTRAORDINARIOS 2,137.6 2,537.9 78.8 97.1 817.7 1,300.7 914.4

RESULTADOS DE EJERC. ANT. 9,177.1 9,314.0 231.3 390.9 896.3 795.7 2,813.6

GTOS. DE EJERC. ANTERIORES 1,727.6 1,727.6 149.3 154.3 582.0 615.8 640.9

IMPUESTO SOBRE LA RENTA 5,940.8 7,631.1 735.9 1,471.8 2,207.8 2,943.7 3,679.6

RESULTADOS DEL EJERCICIO 117,856.6 131,030.9 9,124.3 29,833.1 51,269.2 66,896.3 90,815.2

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

488,364.6 575,933.7 668,214.8 778,082.5 885,517.8 996,547.8 1,107,869.5 110,394.8

472,323.3 557,003.9 645,074.8 751,530.5 854,421.6 962,405.0 1,069,310.4 107,193.1


9.7 13.2 15.3 17.2 17.2 22.6 25.4 4.2
50,785.0 60,739.6 70,936.6 80,367.1 88,914.5 95,607.5 102,954.9 7,706.4
420,031.4 491,177.6 569,014.7 665,642.3 759,982.1 856,741.0 956,858.3 99,481.6
58,780.2 69,392.6 79,665.0 102,766.9 124,260.0 145,908.4 168,464.3 23,167.1
75,823.8 86,950.1 100,700.2 115,640.5 132,220.7 148,215.1 167,454.2 14,917.6
190,156.1 223,779.7 259,536.9 297,210.2 331,040.2 367,686.8 405,426.0 41,446.1
95,271.3 111,055.3 129,112.6 150,024.8 172,461.2 194,930.7 215,513.7 19,950.8
1,497.2 5,073.5 5,108.2 5,504.0 5,507.8 10,033.9 9,471.9 1.0

335.8 555.0 824.8 894.0 1,976.8 1,976.8 2,449.0 0.0

15,689.3 18,358.7 22,296.2 25,636.4 29,094.2 32,137.8 35,827.6 3,198.6

16.3 16.2 19.0 21.6 25.2 28.2 282.5 3.1

260,589.9 304,509.8 345,228.6 400,913.4 455,149.1 508,922.1 562,475.6 53,592.9

259,248.6 302,889.4 343,318.9 398,689.6 452,586.5 506,063.2 559,351.2 53,258.6


6,877.5 7,747.3 8,750.7 11,462.5 10,768.1 11,995.7 13,320.4 1,158.4
41,630.6 49,012.4 56,623.2 64,490.0 75,651.1 85,081.2 94,935.2 10,031.0
160,408.3 187,322.4 211,975.7 239,532.1 266,509.1 293,548.5 319,703.1 25,609.7
50,332.3 58,807.4 65,969.3 83,205.0 99,658.2 115,437.8 131,392.4 16,459.6

1,330.8 1,609.9 1,898.1 2,212.2 2,551.0 2,846.5 3,111.8 334.2

10.5 10.5 11.7 11.7 11.7 12.4 12.6 0.0

227,774.7 271,423.9 322,986.1 377,169.1 430,368.7 487,625.7 545,393.9 56,801.9

89,640.1 104,636.8 120,586.0 137,001.0 152,877.2 169,879.3 190,579.4 19,039.5

57,909.3 68,000.7 78,221.7 90,062.2 100,870.9 113,331.7 127,098.0 13,911.0


7,461.1 8,754.3 10,282.1 12,003.3 13,409.8 14,875.7 16,268.8 1,513.1
64.3 114.4 129.0 669.3 1,906.7 3,237.1 5,145.9 1,266.1
50,383.9 59,132.0 67,810.6 77,389.7 85,554.5 95,218.9 105,683.3 11,131.9

2,237.4 3,297.5 5,071.8 5,530.2 5,998.2 6,341.4 6,679.9 513.9

29,493.4 33,338.6 37,292.6 41,408.6 46,008.1 50,206.2 56,801.6 4,614.5

268,657.8 321,553.9 369,978.6 417,013.3 467,878.6 513,445.2 577,948.2 54,565.3

93,724.7 109,723.0 126,080.3 143,151.3 160,483.8 177,017.5 189,816.0 18,292.5


672.9 742.6 801.7 874.5 930.5 998.4 1,101.6 67.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
672.9 742.6 801.7 874.5 930.5 998.4 1,101.6 67.9
93,051.8 108,980.4 125,278.6 142,276.8 159,553.3 176,019.1 188,714.4 18,224.5
69,685.4 81,823.2 94,042.5 107,004.7 120,198.6 133,230.4 145,630.6 13,929.9
23,366.4 27,157.2 31,236.1 35,272.1 39,354.6 42,788.8 43,083.8 4,294.6

83,050.4 103,415.1 118,858.9 129,999.2 144,379.2 154,109.7 182,868.3 14,991.5


12,683.5 14,995.2 17,472.8 19,972.7 22,455.5 25,171.6 27,989.3 2,852.6
45,911.4 58,652.6 66,152.6 68,652.6 73,304.0 73,304.0 75,069.5 203.2
24,455.5 29,767.3 35,233.5 41,373.9 48,619.8 55,634.1 79,809.5 11,935.8

91,882.7 108,415.8 125,039.5 143,862.8 163,015.6 182,318.0 205,264.0 21,281.3


1,873.5 2,172.1 2,484.5 2,796.1 3,099.6 3,403.6 3,725.8 755.4
13,151.5 15,355.9 17,607.9 20,570.0 23,276.9 26,048.6 29,302.0 3,004.8
9,871.4 11,924.5 13,927.1 15,942.5 18,320.8 20,486.9 23,245.9 1,971.6
66,986.3 78,963.3 91,020.0 104,554.2 118,318.3 132,378.9 148,990.3 15,549.5

48,757.0 54,506.7 73,593.5 97,156.8 115,367.4 144,059.9 158,025.2 21,276.1

57,820.8 66,932.6 70,692.9 72,450.2 75,306.9 77,525.1 77,953.2 3,790.9

962.2 734.8 1,208.4 1,158.8 2,729.9 13,982.8 4,257.8 0.0

6,393.3 6,606.4 6,969.1 7,132.0 7,290.9 7,629.7 7,946.8 55.9

640.9 641.3 641.3 641.3 649.9 649.9 649.9 123.1

4,415.5 5,116.9 5,818.3 9,485.6 13,152.9 16,820.1 15,288.6 1,537.6

106,952.5 121,552.6 143,587.5 165,453.4 181,432.6 197,761.7 223,728.9 23,462.1


BANCO UNO, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 522,619.9 566,379.8 48,979.6 90,174.9 139,247.3 186,515.3 233,382.2

INTERESES 399,069.9 425,302.5 28,132.5 51,946.9 82,975.6 111,919.8 141,906.4


Sobre Disponibilidades 1,034.7 1,090.7 43.5 149.9 263.1 348.0 448.3
Sobre Inversiones 9,271.5 9,684.1 530.8 951.4 1,537.4 2,149.0 2,435.8
Sobre Cartera de Préstamos 387,195.7 412,874.6 27,506.8 50,698.7 80,970.9 109,165.0 138,699.9
Préstamos Hipotecarios 1,780.9 1,911.8 99.1 184.3 275.0 349.9 435.0
Préstamos Fiduciarios 12,001.3 12,617.9 618.0 1,194.8 1,913.6 2,958.7 4,144.8
Préstamos con Garantía Accesoria 126.2 133.2 6.1 11.2 16.4 20.9 25.2
Otros Préstamos 373,287.3 398,211.8 26,783.6 49,308.4 78,765.8 105,835.6 134,095.0
Otros 1,568.0 1,653.1 51.4 146.9 204.1 257.8 322.4

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 103,209.6 120,925.8 20,669.8 38,128.4 55,926.0 74,062.8 90,807.4

OTROS PRODUCTOS 20,340.4 20,151.5 177.4 99.6 345.7 532.7 668.4

GASTOS FINANCIEROS 157,719.3 170,218.1 12,961.7 26,317.2 41,111.5 55,175.6 70,140.7

INTERESES 136,582.4 148,346.0 12,672.7 25,709.9 35,800.1 48,209.5 60,759.1


Sobre Depósitos en Cta. de Cheques 5,175.8 5,684.9 260.5 564.5 867.8 1,218.3 1,498.9
Sobre Depósitos de Ahorro 14,220.4 14,605.1 909.8 1,827.3 2,755.0 3,727.1 4,759.4
Sobre Depósitos a Plazo 100,829.6 110,471.0 10,189.3 20,491.5 30,922.0 41,595.5 52,325.2
Otras Obligaciones 16,356.7 17,584.9 1,313.1 2,826.6 1,255.3 1,668.5 2,175.5

COMISIONES 0.0 0.0 0.0 0.0 4,179.4 5,384.6 7,383.2

OTROS GASTOS 21,136.9 21,872.2 289.0 607.3 1,132.0 1,581.5 1,998.4

RESULTADO FINANCIERO 364,900.6 396,161.7 36,017.9 63,857.7 98,135.8 131,339.7 163,241.5

PRODUCTOS POR SERVICIOS 28,645.8 31,715.3 3,166.4 6,541.1 9,931.9 13,370.8 16,649.7

COMISIONES 23,456.9 26,007.0 2,897.6 6,123.4 9,443.9 12,764.5 15,721.0


Giros y Transferencias 79.7 103.0 17.7 34.4 45.2 56.2 64.6
Fideicomisos y Administración 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otras 23,377.3 25,904.0 2,879.9 6,089.0 9,398.7 12,708.3 15,656.4

ARRENDAMIENTOS 28.0 298.0 1.3 1.3 2.0 2.8 92.8

OTROS 5,160.9 5,410.3 267.6 416.5 486.0 603.6 835.9

GTOS. DE ADMINISTRACION 341,499.3 378,212.0 32,453.4 63,218.9 99,196.4 134,613.1 168,255.2

GASTOS EN PERSONAL 50,053.5 55,293.4 5,102.1 10,548.5 16,130.0 21,885.4 27,799.3


Consejeros y Directores 2,001.8 2,168.1 174.3 348.5 522.8 697.1 871.3
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 2,001.8 2,168.1 174.3 348.5 522.8 697.1 871.3
Funcionarios y Empleados 48,051.7 53,125.3 4,927.8 10,200.0 15,607.2 21,188.3 26,928.0
Sueldos 34,161.2 37,544.7 3,792.1 7,788.3 11,857.0 16,021.4 20,045.8
Otros 13,890.5 15,580.6 1,135.7 2,411.7 3,750.2 5,167.0 6,882.2

DEPRECIACIONES Y AMORT. 104,567.5 108,185.9 5,220.3 8,123.8 13,907.8 18,852.0 23,151.9


Muebles e Inmuebles 12,792.3 13,956.3 1,175.3 2,357.7 3,517.1 4,688.0 5,926.5
Créditos de Dudoso Recaudo 90,310.2 92,666.5 3,949.9 5,587.6 10,110.3 13,793.8 16,759.6
Otros 1,465.0 1,563.1 95.0 178.6 280.4 370.2 465.8

GASTOS DIVERSOS 186,878.4 214,732.7 22,131.0 44,546.6 69,158.7 93,875.7 117,304.0


Impuestos y Contribuciones 1,469.9 4,822.9 486.3 857.5 1,295.1 1,719.6 2,166.6
Arrendamientos 11,450.8 12,610.2 926.0 2,042.0 3,248.6 4,383.4 5,597.1
Reparaciones y Mantenimiento 2,845.9 3,082.8 183.8 415.6 677.2 962.3 1,176.6
Otros Gastos 171,111.8 194,216.8 20,535.0 41,231.4 63,937.8 86,810.4 108,363.8

RESULTADO DE OPERACION 52,047.0 49,665.0 6,730.9 7,179.9 8,871.3 10,097.5 11,636.0

PRODUC. EXTRAORDINARIOS 4,928.9 6,028.6 271.9 748.5 1,237.8 1,508.1 1,996.6

EGRESOS EXTRAORDINARIOS 3,199.2 651.2 0.0 7.8 23.6 23.6 23.6

RESULTADOS DE EJERC. ANT. 237.7 237.7 492.5 468.6 1,201.8 1,201.8 1,509.2

GTOS. DE EJERC. ANTERIORES 209.2 209.2 485.0 737.4 832.0 1,211.4 1,497.8

IMPUESTO SOBRE LA RENTA 17,040.1 17,589.3 2,309.1 2,645.4 3,599.1 4,152.3 4,943.7

RESULTADOS DEL EJERCICIO 36,765.1 37,481.8 4,701.2 5,006.5 6,856.1 7,420.0 8,676.7

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

280,121.7 329,792.0 379,106.3 431,150.9 484,603.5 556,982.6 613,857.5 60,705.2

170,789.4 201,671.0 231,736.7 262,049.6 295,928.7 357,237.3 402,979.5 43,302.5


523.7 634.9 674.2 719.3 768.2 858.2 956.7 49.6
3,470.8 4,962.9 6,682.2 7,972.1 9,159.8 10,309.1 11,362.4 1,235.2
166,405.5 195,630.1 223,871.6 252,778.9 285,365.8 345,378.6 389,912.5 41,979.2
528.5 604.4 678.0 747.1 811.8 869.1 923.8 65.7
5,443.2 6,861.2 8,402.6 10,136.2 12,059.5 14,129.5 16,401.7 2,372.5
28.9 32.5 35.5 38.1 40.5 42.6 44.2 1.1
160,404.9 188,132.1 214,755.4 241,857.6 272,454.0 330,337.4 372,542.8 39,540.0
389.3 443.2 508.8 579.3 634.9 691.4 748.0 38.5

0.0 125.0 125.0 125.0 125.0 125.0 125.0 0.0

108,841.5 127,367.2 146,526.6 168,360.8 187,904.3 198,418.6 209,557.2 17,402.5

490.9 628.8 718.0 615.5 645.5 1,201.7 1,195.8 0.1

84,345.1 98,385.5 112,939.0 127,415.6 141,353.9 155,774.5 169,876.3 13,667.8

73,372.1 85,953.8 98,325.0 110,957.6 123,126.1 135,385.5 147,785.4 12,184.8


1,815.5 2,073.6 2,303.4 2,692.9 2,992.4 3,294.4 3,682.3 330.2
5,826.7 6,984.7 8,204.3 9,622.3 11,085.1 12,627.8 14,288.2 1,596.8
63,184.7 73,903.1 84,524.9 95,031.7 105,035.9 114,979.1 125,078.1 9,948.4
2,545.3 2,992.3 3,292.4 3,610.8 4,012.7 4,484.2 4,736.8 309.4

8,733.9 9,815.8 11,641.3 13,218.2 14,643.7 16,342.4 17,717.8 1,098.7

2,239.1 2,616.0 2,972.8 3,239.8 3,584.1 4,046.7 4,373.1 384.3

195,776.6 231,406.5 266,167.3 303,735.3 343,249.6 401,208.1 443,981.2 47,037.4

20,542.8 24,746.3 29,275.9 33,215.0 37,515.6 42,167.7 46,567.9 4,853.7

19,492.1 23,502.2 27,534.1 31,350.3 35,432.4 39,664.4 43,924.1 4,622.7


69.3 75.5 80.3 82.7 96.2 139.0 275.5 31.1
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
19,422.8 23,426.6 27,453.8 31,267.6 35,336.2 39,525.4 43,648.6 4,591.6

93.5 93.8 94.5 94.5 214.5 220.5 220.5 2.8

957.2 1,150.4 1,647.2 1,770.2 1,868.7 2,282.8 2,423.3 228.3

206,258.5 243,932.1 281,702.2 319,244.8 357,987.5 398,343.9 442,034.0 43,638.5

33,691.6 39,751.9 46,595.2 52,762.8 58,810.5 65,796.9 72,687.4 6,179.3


1,045.6 1,211.9 1,378.1 1,552.4 1,726.7 1,892.9 2,070.2 174.3
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
1,045.6 1,211.9 1,378.1 1,552.4 1,726.7 1,892.9 2,070.2 174.3
32,646.0 38,540.1 45,217.1 51,210.4 57,083.8 63,904.0 70,617.2 6,005.0
24,315.4 28,835.0 33,361.0 37,957.1 42,594.4 47,363.1 52,097.5 4,834.7
8,330.6 9,705.1 11,856.1 13,253.3 14,489.4 16,540.9 18,519.7 1,170.3

26,851.8 32,520.0 37,904.1 43,151.5 48,578.0 53,712.8 61,504.8 8,211.7


7,117.2 8,374.4 9,538.3 10,820.9 12,201.6 13,706.7 15,263.4 1,581.1
19,179.0 23,494.4 27,657.3 31,457.6 35,449.2 38,994.5 45,139.8 6,543.4
555.6 651.2 708.6 873.1 927.3 1,011.7 1,101.7 87.2

145,715.2 171,660.2 197,202.9 223,330.5 250,599.0 278,834.2 307,841.8 29,247.6


2,650.9 3,086.2 3,526.2 4,063.7 4,505.8 4,960.3 5,442.0 536.7
7,067.1 8,448.0 9,864.1 11,286.5 12,765.8 14,310.4 16,006.1 1,712.2
1,476.7 1,781.1 2,184.6 2,499.0 2,912.2 3,287.4 3,868.0 411.6
134,520.5 158,344.9 181,628.0 205,481.2 230,415.3 256,276.1 282,525.7 26,587.1

10,060.9 12,220.7 13,741.0 17,705.5 22,777.7 45,031.9 48,515.0 8,252.5

4,845.9 5,281.5 5,907.1 6,450.7 7,226.9 7,713.5 8,572.5 804.5

46.5 172.0 389.2 472.7 522.4 772.9 1,611.0 20.9

1,509.6 1,509.6 1,697.5 1,697.5 1,697.5 1,697.9 2,310.2 94.6

1,536.9 1,630.4 1,447.3 1,448.9 2,053.6 2,734.2 0.0 377.0

5,439.8 6,273.0 7,005.0 8,452.7 10,288.3 17,134.2 18,472.5 2,791.8

9,393.2 10,936.3 12,504.1 15,479.4 18,837.7 33,802.0 39,314.2 5,962.0


BANCO FINANCIERA COMERCIAL HONDUREÑA, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 961,346.1 1,081,313.7 100,715.1 200,066.3 307,189.1 414,553.1 532,303.3

INTERESES 870,875.2 966,855.3 95,054.7 186,869.1 285,597.0 384,161.0 493,667.4


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 180,778.1 201,656.5 20,023.2 41,346.7 64,419.2 87,394.5 116,190.7
Sobre Cartera de Préstamos 628,917.0 698,352.1 69,356.8 134,572.2 204,365.8 274,679.6 350,178.8
Préstamos Hipotecarios 18,154.5 20,184.2 2,144.2 4,294.9 6,531.0 8,801.4 11,139.1
Préstamos Fiduciarios 269,999.3 298,212.8 28,591.6 54,190.5 82,281.3 111,907.1 142,255.4
Préstamos con Garantía Accesoria 166,003.4 186,937.3 21,356.0 41,743.7 64,184.8 85,858.2 109,364.3
Otros Préstamos 174,759.8 193,017.7 17,265.0 34,343.0 51,368.6 68,112.9 87,420.0
Otros 61,180.1 66,846.7 5,674.7 10,950.3 16,812.0 22,086.9 27,297.9

DIV. SOBRE ACCIONES Y PART. 5,322.6 15,322.6 0.0 0.0 0.0 0.0 0.0

COMISIONES 83,125.7 96,269.5 5,293.3 12,009.1 20,073.7 26,790.1 33,270.9

OTROS PRODUCTOS 2,022.6 2,866.3 367.1 1,188.1 1,518.4 3,602.1 5,365.0

GASTOS FINANCIEROS 407,235.6 449,087.4 43,286.5 85,127.7 128,030.3 172,030.5 219,114.1

INTERESES 397,776.6 438,955.4 42,056.9 83,121.1 125,105.8 168,216.6 214,324.0


Sobre Depósitos en Cta. de Cheques 11,911.0 12,922.1 1,102.1 2,301.3 3,694.9 5,089.7 6,398.2
Sobre Depósitos de Ahorro 83,595.6 91,773.9 8,939.2 18,083.4 27,283.5 36,467.7 45,233.4
Sobre Depósitos a Plazo 174,762.5 191,158.3 16,715.0 33,395.3 50,731.8 68,438.6 86,350.7
Otras Obligaciones 127,507.6 143,101.1 15,300.6 29,341.1 43,395.7 58,220.7 76,341.7

COMISIONES 9,453.1 10,126.1 1,229.6 2,006.5 2,924.4 3,813.9 4,790.1

OTROS GASTOS 5.9 5.9 0.0 0.0 0.0 0.0 0.0

RESULTADO FINANCIERO 554,110.6 632,226.3 57,428.6 114,938.6 179,158.8 242,522.6 313,189.1

PRODUCTOS POR SERVICIOS 253,765.1 288,349.9 26,643.7 51,262.6 79,361.3 106,257.0 137,737.2

COMISIONES 164,006.4 187,596.9 17,174.3 32,243.7 50,406.6 66,876.8 87,188.0


Giros y Transferencias 26,122.1 28,773.9 2,381.4 4,887.7 7,799.0 10,034.2 12,940.3
Fideicomisos y Administración 33,985.3 38,336.8 3,284.4 5,800.0 9,991.5 14,465.7 18,139.0
Otras 103,898.9 120,486.2 11,508.6 21,556.1 32,616.1 42,376.9 56,108.8

ARRENDAMIENTOS 8,719.5 9,420.7 692.8 1,399.1 2,107.9 3,049.6 3,716.0

OTROS 81,039.2 91,332.2 8,776.6 17,619.8 26,846.8 36,330.6 46,833.2

GTOS. DE ADMINISTRACION 620,550.8 696,920.1 61,584.3 123,444.7 186,806.1 250,402.3 315,964.3

GASTOS EN PERSONAL 228,108.2 256,598.1 24,282.0 48,498.6 72,757.0 96,173.4 121,791.4


Consejeros y Directores 3,320.0 6,110.0 270.0 520.0 870.0 1,141.0 1,548.0
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 3,320.0 6,110.0 270.0 520.0 870.0 1,141.0 1,548.0
Funcionarios y Empleados 224,788.2 250,488.1 24,012.0 47,978.6 71,887.0 95,032.4 120,243.4
Sueldos 182,647.1 203,646.1 19,888.8 39,573.2 58,895.3 78,466.0 98,255.4
Otros 42,141.1 46,842.0 4,123.2 8,405.4 12,991.7 16,566.4 21,987.9

DEPRECIACIONES Y AMORT. 140,495.3 159,010.8 12,449.3 25,017.2 37,725.7 50,373.7 62,978.7


Muebles e Inmuebles 34,694.8 37,959.3 3,247.0 6,495.0 9,789.1 13,055.8 16,355.1
Créditos de Dudoso Recaudo 46,096.9 57,341.0 5,244.1 10,488.3 15,732.3 20,975.8 22,719.3
Otros 59,703.7 63,710.5 3,958.1 8,033.9 12,204.4 16,342.1 23,904.3

GASTOS DIVERSOS 251,947.3 281,311.2 24,853.0 49,929.0 76,323.4 103,855.2 131,194.2


Impuestos y Contribuciones 3,876.3 4,246.7 392.3 768.1 1,187.8 1,590.3 1,980.7
Arrendamientos 45,706.1 50,562.1 4,604.3 9,482.0 14,181.4 18,962.4 23,995.9
Reparaciones y Mantenimiento 10,678.4 12,492.3 1,087.5 2,178.0 3,374.6 4,804.5 5,867.5
Otros Gastos 191,686.5 214,010.1 18,768.9 37,500.9 57,579.7 78,498.1 99,350.1

RESULTADO DE OPERACION 187,324.9 223,656.2 22,488.0 42,756.6 71,714.0 98,377.3 134,962.0

PRODUC. EXTRAORDINARIOS 37,289.7 45,904.9 308.2 672.2 755.1 786.0 1,413.6

EGRESOS EXTRAORDINARIOS 11,840.1 13,957.4 1,060.9 1,596.0 2,920.8 3,548.7 4,577.2

RESULTADOS DE EJERC. ANT. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GTOS. DE EJERC. ANTERIORES 627.6 1,537.6 194.2 254.5 838.4 893.5 893.5

IMPUESTO SOBRE LA RENTA 63,331.3 72,738.1 6,706.6 13,128.0 22,057.9 30,586.2 41,782.9

RESULTADOS DEL EJERCICIO 148,815.6 181,327.9 14,834.5 28,450.3 46,652.1 64,134.9 89,122.1

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

651,742.4 765,410.7 876,169.7 997,493.0 1,119,235.5 1,236,989.8 1,376,322.0 121,200.1

596,052.3 702,719.3 804,215.7 913,282.2 1,020,389.9 1,129,286.6 1,248,984.2 114,836.3


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
139,164.9 163,088.0 184,045.9 203,859.5 221,380.5 238,124.7 261,184.3 19,081.6
424,441.2 501,821.6 576,651.2 660,008.7 743,448.9 829,724.1 919,546.9 89,321.6
13,569.2 15,982.4 18,430.6 21,015.9 23,469.2 25,853.2 28,276.5 2,457.0
171,363.7 202,515.8 230,704.9 266,303.8 302,182.7 336,450.0 372,038.1 34,232.2
132,189.8 156,275.4 179,978.2 203,709.3 227,371.7 253,570.2 281,312.8 27,793.4
107,318.4 127,048.1 147,537.4 168,979.7 190,425.4 213,850.6 237,919.5 24,839.1
32,446.2 37,809.7 43,518.6 49,414.1 55,560.5 61,437.8 68,253.1 6,433.2

6,750.0 6,750.0 6,750.0 6,750.0 6,750.0 6,750.0 17,493.0 0.0

41,364.4 47,487.6 56,589.9 68,992.6 83,446.7 91,104.5 100,089.1 6,363.8

7,575.8 8,453.9 8,614.2 8,468.3 8,648.9 9,848.7 9,755.6 0.0

265,292.7 311,879.1 359,278.3 408,818.8 458,508.9 507,650.8 558,091.7 53,633.9

259,145.0 304,733.9 350,942.0 399,265.0 447,350.0 495,576.7 544,570.4 52,670.2


7,537.7 8,788.5 10,354.7 12,085.5 13,716.8 15,303.4 16,820.0 1,652.2
54,115.6 63,286.6 72,948.4 81,944.7 90,599.9 99,585.3 108,608.0 10,252.6
104,428.0 121,781.3 138,540.0 155,394.7 173,692.5 191,902.5 210,569.7 19,758.4
93,063.7 110,877.5 129,098.9 149,840.1 169,340.9 188,785.6 208,572.7 21,007.1

6,147.8 7,145.1 8,336.3 9,553.7 11,158.9 12,074.1 13,521.4 814.8

0.0 0.0 0.0 0.0 0.0 0.0 0.0 148.8

386,449.7 453,531.7 516,891.5 588,674.3 660,726.6 729,338.9 818,230.2 67,566.3

167,251.8 195,580.4 227,775.8 256,011.6 285,074.7 314,937.9 353,905.7 32,836.3

105,739.9 123,679.5 144,139.2 161,422.0 179,081.2 199,299.4 226,156.9 21,949.3


15,858.7 18,650.6 21,735.3 24,546.4 27,483.2 30,402.8 33,431.4 2,954.2
21,778.4 25,882.1 30,571.5 33,843.7 37,161.3 40,734.4 45,052.2 1,581.5
68,102.8 79,146.8 91,832.4 103,031.9 114,436.7 128,162.2 147,673.2 17,413.7

4,473.0 5,164.4 5,887.9 6,378.5 6,982.8 7,817.6 8,121.7 517.0

57,039.0 66,736.5 77,748.8 88,211.1 99,010.7 107,821.0 119,627.2 10,370.1

381,079.2 452,166.3 520,812.9 589,638.1 662,907.0 754,165.7 861,469.2 74,472.8

144,696.7 171,085.9 197,156.1 221,371.3 248,457.7 275,737.8 301,325.7 25,917.0


2,338.4 2,899.1 3,531.7 4,090.9 4,575.1 5,359.3 5,978.5 469.2
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
2,338.4 2,899.1 3,531.7 4,090.9 4,575.1 5,359.3 5,978.5 469.2
142,358.4 168,186.8 193,624.3 217,280.4 243,882.6 270,378.5 295,347.2 25,447.8
115,133.4 136,720.7 157,521.3 176,307.2 197,249.8 218,683.4 238,168.9 21,162.1
27,225.0 31,466.2 36,103.1 40,973.2 46,632.8 51,695.1 57,178.4 4,285.8

75,669.9 88,922.6 102,402.7 115,958.0 130,111.3 161,351.7 199,041.1 14,278.9


19,734.8 23,274.3 26,795.3 30,302.4 33,941.5 37,681.8 41,438.6 3,769.3
27,961.8 33,704.0 39,494.6 45,284.4 51,073.7 71,362.4 97,150.5 5,287.7
27,973.3 31,944.3 36,112.8 40,371.2 45,096.1 52,307.5 60,452.1 5,221.9

160,712.6 192,157.9 221,254.2 252,308.8 284,338.1 317,076.2 361,102.4 34,276.8


2,402.9 2,816.3 3,250.4 3,649.3 4,058.0 4,468.3 4,816.9 314.2
29,084.1 34,164.3 39,097.0 44,284.5 49,279.5 54,829.0 60,544.2 5,294.2
7,077.0 8,546.5 9,630.2 10,872.0 12,505.5 13,983.2 16,148.7 1,577.9
122,148.6 146,630.8 169,276.5 193,503.0 218,495.1 243,795.7 279,592.6 27,090.5

172,622.3 196,945.7 223,854.4 255,047.8 282,894.3 290,111.1 310,666.8 25,929.8

1,415.4 4,108.9 4,284.3 4,284.3 4,358.6 20,175.9 20,180.7 262.2

5,630.7 6,461.9 7,848.1 8,849.8 9,649.7 10,835.5 12,525.7 1,159.4

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

941.3 989.0 1,034.2 1,034.2 1,034.2 1,034.2 1,663.5 0.0

51,288.2 60,005.8 67,912.1 77,551.3 83,367.0 88,593.3 91,582.7 7,494.7

116,177.6 133,597.9 151,344.2 171,896.7 193,201.9 209,824.0 225,075.7 17,537.9


BANCO LAFISE, HONDURAS
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 160,655.3 184,393.9 16,643.7 34,886.2 52,307.6 70,314.4 89,987.4

INTERESES 147,920.1 167,726.7 15,488.6 32,084.7 47,860.4 64,342.4 82,181.6


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 15,443.7 17,071.4 1,616.3 2,440.5 3,501.8 4,598.6 5,582.9
Sobre Cartera de Préstamos 126,703.8 140,986.1 13,572.6 28,976.5 43,226.1 58,287.5 74,660.9
Préstamos Hipotecarios 92,786.2 102,597.4 9,373.6 19,061.5 28,681.8 39,278.7 51,392.3
Préstamos Fiduciarios 18,916.4 22,146.4 3,021.7 6,903.9 10,012.5 12,862.7 15,807.8
Préstamos con Garantía Accesoria 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros Préstamos 15,001.2 16,242.3 1,177.4 3,011.1 4,531.7 6,146.1 7,460.8
Otros 5,772.6 9,669.2 299.6 667.7 1,132.5 1,456.3 1,937.9

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 11,565.4 14,188.1 1,154.3 2,799.1 4,442.9 5,971.0 7,803.8

OTROS PRODUCTOS 1,169.8 2,479.1 0.9 2.3 4.3 1.0 2.0

GASTOS FINANCIEROS 71,129.6 79,923.9 7,705.7 14,859.7 23,362.6 31,009.7 38,624.0

INTERESES 70,927.4 79,246.1 7,705.7 14,857.5 23,355.6 31,000.1 38,614.2


Sobre Depósitos en Cta. de Cheques 9,025.4 9,413.0 432.0 596.8 1,525.5 1,925.0 2,236.2
Sobre Depósitos de Ahorro 17,219.3 19,071.8 1,863.9 3,509.7 5,397.4 7,064.0 8,728.2
Sobre Depósitos a Plazo 10,989.3 12,944.1 2,048.8 3,775.3 5,821.4 7,673.4 9,544.6
Otras Obligaciones 33,693.5 37,817.2 3,361.0 6,975.7 10,611.3 14,337.7 18,105.2

COMISIONES 62.6 506.0 0.0 0.0 2.6 5.1 5.3

OTROS GASTOS 139.6 171.8 0.0 2.2 4.4 4.5 4.5

RESULTADO FINANCIERO 89,525.7 104,470.0 8,938.0 20,026.5 28,945.0 39,304.7 51,363.3

PRODUCTOS POR SERVICIOS 24,172.8 28,087.5 2,667.5 5,137.7 7,902.0 9,588.9 11,591.1

COMISIONES 23,393.7 27,232.0 2,600.1 4,993.1 7,683.5 9,304.9 11,229.7


Giros y Transferencias 1,556.2 1,745.5 241.5 444.6 779.7 1,039.6 1,254.4
Fideicomisos y Administración 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otras 21,837.5 25,486.4 2,358.6 4,548.5 6,903.9 8,265.3 9,975.3

ARRENDAMIENTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS 779.1 855.5 67.4 144.6 218.4 284.0 361.5

GTOS. DE ADMINISTRACION 130,504.2 146,151.3 9,250.8 20,561.6 31,929.1 43,780.3 56,251.7

GASTOS EN PERSONAL 55,832.0 62,568.6 3,550.5 8,816.8 13,751.0 19,161.7 24,765.7


Consejeros y Directores 658.7 719.2 69.5 91.6 205.6 274.1 346.5
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 658.7 719.2 69.5 91.6 205.6 274.1 346.5
Funcionarios y Empleados 55,173.3 61,849.3 3,481.0 8,725.1 13,545.5 18,887.6 24,419.2
Sueldos 32,820.2 35,493.8 2,694.0 6,543.0 10,034.8 14,096.7 18,015.6
Otros 22,353.1 26,355.5 786.9 2,182.2 3,510.6 4,790.9 6,403.6

DEPRECIACIONES Y AMORT. 27,292.1 29,729.4 1,585.8 3,284.3 5,303.7 7,041.1 8,911.6


Muebles e Inmuebles 3,812.8 4,294.8 535.7 1,017.3 1,510.6 2,014.6 2,737.4
Créditos de Dudoso Recaudo 3,702.0 6,055.1 78.0 428.0 778.0 1,128.0 1,478.0
Otros 19,777.3 19,379.6 972.2 1,838.9 3,015.0 3,898.5 4,781.9

GASTOS DIVERSOS 47,380.2 53,853.4 4,114.5 8,460.6 12,874.5 17,577.5 22,574.4


Impuestos y Contribuciones 889.6 971.8 74.9 144.9 233.7 421.6 531.6
Arrendamientos 9,550.9 10,393.1 803.9 1,658.0 2,333.3 3,276.0 4,114.7
Reparaciones y Mantenimiento 3,049.1 3,251.7 182.8 419.3 628.0 827.3 1,126.4
Otros Gastos 33,890.6 39,236.8 3,052.9 6,238.4 9,679.4 13,052.7 16,801.7

RESULTADO DE OPERACION (16,805.8) (13,593.9) 2,354.7 4,602.5 4,917.8 5,113.3 6,702.8

PRODUC. EXTRAORDINARIOS 16,180.2 16,574.4 790.8 713.6 1,870.9 2,924.5 6,233.2

EGRESOS EXTRAORDINARIOS 38.7 580.3 0.0 0.0 6.5 6.5 6.5

RESULTADOS DE EJERC. ANT. 6,626.6 10,901.6 276.4 305.4 856.4 857.3 953.2

GTOS. DE EJERC. ANTERIORES 2,026.1 2,007.5 339.5 459.7 146.8 101.4 1,249.0

IMPUESTO SOBRE LA RENTA 1,014.7 1,713.8 976.5 1,405.1 1,797.3 2,075.8 3,229.5

RESULTADOS DEL EJERCICIO 2,921.6 9,580.6 2,105.8 3,756.8 5,694.5 6,711.4 9,404.3

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

111,227.9 131,411.6 152,237.1 173,970.5 195,517.2 218,246.9 242,835.0 23,125.1

101,543.6 120,157.1 139,236.9 159,199.3 179,127.5 198,892.3 221,111.6 21,171.0


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
6,717.1 7,745.8 9,061.8 10,422.6 11,761.8 12,963.2 14,623.9 1,304.5
92,161.3 109,375.2 126,797.0 144,876.9 163,067.6 181,128.9 201,068.2 19,510.7
63,820.8 75,941.5 88,315.4 101,120.3 113,694.9 126,847.7 141,120.8 13,509.3
18,994.5 22,597.1 25,983.3 29,737.0 33,695.2 37,133.1 40,928.5 4,322.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
9,346.0 10,836.7 12,498.3 14,019.5 15,677.5 17,148.1 19,018.9 1,679.3
2,665.2 3,036.1 3,378.1 3,899.8 4,298.2 4,800.2 5,419.5 355.9

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

9,680.4 11,249.2 12,992.9 14,762.9 16,379.9 19,343.8 21,695.0 1,652.4

3.9 5.2 7.3 8.4 9.8 10.8 28.4 301.7

46,246.9 54,161.7 62,108.8 70,067.5 78,462.9 86,789.0 95,659.6 9,568.2

46,230.9 54,130.0 62,072.3 70,001.7 78,266.7 86,452.8 95,176.5 9,200.1


2,525.0 2,862.8 3,168.6 3,510.0 3,894.5 4,275.7 4,583.4 334.4
10,400.1 12,332.1 14,217.6 15,992.9 17,851.1 19,504.7 21,613.9 1,994.8
11,507.4 13,422.9 15,509.0 17,812.9 20,321.0 22,809.7 25,731.4 3,414.9
21,798.4 25,512.3 29,177.0 32,686.0 36,200.2 39,862.7 43,247.9 3,456.1

8.4 14.9 16.7 34.8 154.7 285.8 415.2 26.6

7.5 16.7 19.9 30.9 41.5 50.4 67.9 341.6

64,981.1 77,250.0 90,128.3 103,903.1 117,054.3 131,457.9 147,175.3 13,556.9

13,863.5 15,941.8 18,424.4 21,511.9 23,820.2 26,146.3 29,470.1 2,793.1

13,411.1 15,404.9 17,800.0 20,822.3 23,054.5 25,177.5 28,221.2 2,519.9


1,490.0 1,732.2 1,995.0 2,198.7 2,442.4 2,710.0 2,970.1 269.5
0.0 0.0 0.0 0.0 220.4 275.6 335.7 55.1
11,921.0 13,672.7 15,805.0 18,623.6 20,391.7 22,192.0 24,915.4 2,195.3

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

452.4 536.9 624.4 689.7 765.7 968.7 1,248.9 273.1

68,959.2 81,340.6 94,999.6 109,859.8 124,028.3 139,356.2 156,306.8 14,158.9

29,971.7 35,314.5 41,061.8 46,793.3 52,757.6 59,192.8 66,919.5 5,891.1


410.9 493.0 565.5 612.0 672.0 779.2 865.9 68.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
410.9 493.0 565.5 612.0 672.0 779.2 865.9 68.5
29,560.8 34,821.5 40,496.3 46,181.4 52,085.6 58,413.7 66,053.6 5,822.6
21,757.1 25,381.1 29,311.0 33,305.2 37,360.1 41,596.5 45,651.8 3,962.0
7,803.7 9,440.4 11,185.4 12,876.1 14,725.6 16,817.2 20,401.8 1,860.6

10,808.4 12,712.9 14,675.7 17,794.3 19,753.2 21,296.4 20,019.6 1,842.9


3,285.9 4,034.3 4,823.6 5,609.8 6,414.4 7,277.3 8,169.7 910.0
1,828.0 2,178.0 2,528.0 2,878.0 3,228.0 3,278.0 3,028.0 350.0
5,774.6 6,666.5 7,572.8 9,635.4 10,522.6 11,235.9 9,399.7 665.8

28,179.0 33,313.2 39,262.2 45,272.1 51,517.5 58,866.9 69,367.7 6,424.9


651.6 905.9 1,021.5 1,122.4 1,051.0 1,349.7 1,784.6 148.6
5,028.2 5,867.7 6,812.1 7,826.5 8,812.8 9,897.5 11,120.1 1,283.2
1,452.2 1,656.0 1,947.4 2,213.3 2,553.6 2,901.8 3,323.3 278.9
21,047.1 24,883.7 29,481.3 34,110.0 39,100.1 44,718.0 53,139.8 4,714.3

9,885.4 11,851.1 13,553.0 15,555.2 16,846.2 18,247.9 20,338.6 2,191.1

7,971.2 8,303.1 8,540.6 9,125.2 9,995.0 10,264.5 20,750.1 179.9

10.1 10.1 10.1 10.1 10.1 398.7 398.7 61.2

1,014.4 1,186.0 1,190.3 1,200.3 1,200.3 1,492.7 1,897.6 266.6

1,598.9 1,904.2 1,915.7 2,223.1 2,528.3 3,083.2 5,677.1 0.0

4,611.5 5,253.9 5,842.0 6,516.0 7,053.9 7,291.6 10,516.1 650.3

12,650.5 14,172.0 15,516.1 17,131.5 18,449.2 19,231.7 26,394.3 1,926.1


BANCO DE AMERICA CENTRAL HONDURAS, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 530,182.3 587,287.5 59,039.6 116,092.4 172,076.9 235,983.6 298,165.2

INTERESES 521,745.3 578,471.5 58,523.7 114,415.6 169,931.8 233,329.4 294,771.5


Sobre Disponibilidades 8,090.5 9,209.0 1,061.7 2,047.7 3,513.6 5,028.1 6,759.6
Sobre Inversiones 16,588.9 18,273.9 1,881.7 3,632.2 5,842.3 8,286.3 10,686.7
Sobre Cartera de Préstamos 496,926.7 550,759.3 55,572.6 108,712.4 160,548.1 219,984.9 277,292.3
Préstamos Hipotecarios 75,006.0 83,589.0 9,146.5 18,371.8 27,439.1 37,907.5 47,706.8
Préstamos Fiduciarios 24,353.5 27,074.5 3,204.3 6,007.8 8,726.3 11,443.5 14,332.8
Préstamos con Garantía Accesoria 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros Préstamos 397,567.2 440,095.7 43,221.8 84,332.8 124,382.8 170,633.9 215,252.8
Otros 139.2 229.3 7.7 23.3 27.8 30.1 32.9

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 578.3 626.4 62.0 416.1 372.9 420.4 516.7

OTROS PRODUCTOS 7,858.8 8,189.6 453.9 1,260.7 1,772.2 2,233.9 2,877.0

GASTOS FINANCIEROS 248,464.6 275,153.7 28,258.2 57,269.0 89,267.7 122,970.1 155,501.9

INTERESES 245,245.6 271,397.3 26,520.9 53,940.1 84,086.6 115,794.6 146,464.5


Sobre Depósitos en Cta. de Cheques 22,204.7 24,551.6 2,583.8 4,836.2 7,507.9 10,128.1 12,239.0
Sobre Depósitos de Ahorro 29,789.3 33,203.4 3,667.0 7,001.3 10,956.0 15,295.0 18,884.8
Sobre Depósitos a Plazo 109,344.9 121,928.0 12,448.5 26,367.6 42,956.7 60,523.6 78,268.5
Otras Obligaciones 83,906.6 91,714.3 7,821.6 15,734.9 22,665.9 29,847.9 37,072.2

COMISIONES 3,219.1 3,756.5 1,737.2 3,328.9 5,181.1 7,175.5 9,037.4

OTROS GASTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

RESULTADO FINANCIERO 281,717.7 312,133.8 30,781.5 58,823.5 82,809.2 113,013.6 142,663.3

PRODUCTOS POR SERVICIOS 93,164.2 107,471.6 10,266.9 20,762.0 31,518.4 42,363.1 55,181.3

COMISIONES 50,406.9 57,181.2 5,327.1 11,063.8 16,355.3 22,155.2 28,709.7


Giros y Transferencias 3,265.9 3,640.8 328.3 768.7 1,168.0 1,527.2 1,996.2
Fideicomisos y Administración 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otras 47,141.0 53,540.4 4,998.8 10,295.1 15,187.3 20,628.0 26,713.5

ARRENDAMIENTOS 41.4 41.4 0.0 0.0 0.0 0.0 0.0

OTROS 42,715.9 50,249.1 4,939.8 9,698.2 15,163.1 20,207.9 26,471.7

GTOS. DE ADMINISTRACION 305,367.1 330,521.8 34,263.4 68,811.5 96,775.5 130,984.3 158,922.4

GASTOS EN PERSONAL 79,988.5 88,682.5 8,160.0 17,201.5 25,881.1 34,167.9 42,825.0


Consejeros y Directores 1,824.0 2,007.6 184.0 336.9 329.5 479.9 633.1
Sueldos 152.5 167.6 15.1 30.2 45.4 64.2 83.1
Otros 1,671.5 1,840.0 168.9 306.7 284.2 415.7 550.0
Funcionarios y Empleados 78,164.5 86,674.9 7,975.9 16,864.5 25,551.6 33,688.0 42,191.9
Sueldos 63,062.6 69,670.7 6,702.9 13,608.4 20,527.2 27,371.4 34,193.5
Otros 15,101.9 17,004.2 1,273.0 3,256.1 5,024.4 6,316.6 7,998.4

DEPRECIACIONES Y AMORT. 105,962.1 110,296.0 14,749.8 25,629.5 31,877.1 44,175.3 49,238.4


Muebles e Inmuebles 12,648.3 13,923.7 1,332.5 2,678.9 4,019.1 5,380.6 6,702.7
Créditos de Dudoso Recaudo 93,204.4 96,151.4 13,325.4 22,805.3 27,659.5 38,543.1 42,230.9
Otros 109.4 220.8 92.0 145.2 198.4 251.6 304.8

GASTOS DIVERSOS 119,416.6 131,543.3 11,353.6 25,980.6 39,017.3 52,641.2 66,859.0


Impuestos y Contribuciones 1,435.3 1,606.5 137.0 342.5 487.2 631.6 783.4
Arrendamientos 15,405.7 16,951.6 1,511.8 3,215.4 4,859.1 6,405.2 8,247.1
Reparaciones y Mantenimiento 2,763.5 3,103.4 399.8 747.6 1,099.8 1,265.4 1,651.0
Otros Gastos 99,812.1 109,881.8 9,305.0 21,675.1 32,571.2 44,339.0 56,177.5

RESULTADO DE OPERACION 69,514.8 89,083.6 6,785.0 10,774.0 17,552.2 24,392.4 38,922.2

PRODUC. EXTRAORDINARIOS 18,637.5 22,636.0 1,200.5 3,223.3 5,902.7 7,419.8 10,211.7

EGRESOS EXTRAORDINARIOS 4,372.8 6,608.0 236.9 266.1 394.8 413.2 1,089.0

RESULTADOS DE EJERC. ANT. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GTOS. DE EJERC. ANTERIORES 437.1 437.1 284.5 447.1 0.0 51.3 51.3

IMPUESTO SOBRE LA RENTA 25,158.4 31,578.5 2,280.1 4,074.9 6,873.6 9,359.9 14,264.3

RESULTADOS DEL EJERCICIO 58,184.0 73,096.0 5,184.0 9,209.1 16,186.5 21,987.8 33,729.3

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

363,382.2 427,591.9 494,960.4 563,954.1 629,510.0 699,932.5 783,782.5 81,102.4

359,196.1 422,572.2 489,049.7 557,038.7 621,604.2 695,263.9 778,246.1 80,408.1


8,201.9 9,566.3 10,695.7 11,988.5 12,857.6 14,189.6 14,929.4 440.4
13,254.4 16,349.7 19,145.2 21,057.9 22,359.5 22,854.1 23,226.3 896.4
337,727.4 396,618.2 459,170.8 523,975.5 586,319.5 658,133.6 739,976.4 79,063.7
58,396.2 69,026.1 80,462.0 91,667.6 103,409.2 115,714.2 128,453.0 12,985.7
17,617.5 21,160.1 25,165.9 29,825.3 35,538.6 42,489.9 51,079.3 8,465.9
0.0 0.0 0.0 0.0 0.0 464.5 933.1 376.1
261,713.7 306,432.0 353,543.0 402,482.6 447,371.7 499,465.0 559,511.0 57,236.0
12.4 38.0 38.0 16.9 67.6 86.7 114.0 7.7

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

582.1 650.5 747.9 1,058.2 1,221.5 1,400.7 1,598.1 192.5

3,604.0 4,369.2 5,162.8 5,857.2 6,684.3 3,267.9 3,938.4 501.8

188,288.4 222,637.7 255,175.0 286,532.2 304,075.0 329,457.4 360,249.9 29,666.8

176,659.7 208,736.4 239,114.0 268,507.4 283,614.5 310,497.7 337,972.0 27,673.4


14,183.4 16,214.3 18,344.3 20,523.4 22,696.0 24,725.0 27,266.8 2,768.6
22,112.7 25,479.7 28,974.1 32,413.5 36,031.3 39,600.6 43,563.6 4,010.1
95,796.0 114,848.7 133,150.4 150,549.5 167,344.6 184,306.3 201,551.0 17,309.5
44,567.5 52,193.7 58,645.3 65,021.0 57,542.5 61,865.7 65,590.5 3,585.2

11,628.7 13,901.2 16,061.0 18,024.8 20,460.6 18,959.7 22,277.9 1,993.5

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

175,093.8 204,954.2 239,785.4 277,422.0 325,434.9 370,475.2 423,532.6 51,435.6

68,187.0 82,310.3 97,916.5 111,570.9 130,717.9 145,676.6 163,813.9 12,677.5

35,490.4 42,308.5 50,822.2 58,271.2 65,787.2 73,827.5 83,170.9 5,588.6


2,477.4 3,013.1 3,640.9 4,207.1 4,732.8 5,304.8 5,846.9 829.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
33,013.0 39,295.4 47,181.4 54,064.1 61,054.4 68,522.7 77,324.0 4,759.7

10.0 18.0 26.0 34.0 50.0 50.0 58.0 0.1

32,686.6 39,983.8 47,068.3 53,265.7 64,880.7 71,799.1 80,585.0 7,088.7

189,359.0 230,368.3 271,178.9 320,669.9 379,699.0 415,563.8 455,543.1 51,171.7

52,087.6 61,545.7 70,567.2 79,110.2 88,690.1 97,834.5 108,074.1 11,003.3


776.1 956.9 1,121.4 1,267.7 1,457.9 1,612.9 1,803.9 188.3
102.0 120.9 139.8 158.7 177.6 196.5 215.4 18.9
674.1 836.0 981.6 1,109.0 1,280.3 1,416.4 1,588.5 169.4
51,311.4 60,588.8 69,445.8 77,842.5 87,232.2 96,221.5 106,270.2 10,815.0
41,220.8 48,450.9 55,523.6 62,357.2 69,985.0 77,390.0 85,404.2 8,309.4
10,090.7 12,137.9 13,922.2 15,485.3 17,247.3 18,831.5 20,866.0 2,505.6

54,652.7 70,727.7 87,381.5 112,559.8 133,121.8 141,335.4 151,934.0 19,399.4


8,142.1 9,568.9 11,015.2 12,469.6 13,977.6 15,497.6 17,038.0 1,477.3
46,152.6 60,715.6 75,837.9 99,446.2 118,364.1 124,921.3 133,853.6 17,799.8
358.0 443.2 528.5 644.1 780.1 916.5 1,042.4 122.3

82,618.8 98,095.0 113,230.2 129,000.0 157,887.1 176,394.0 195,535.0 20,769.0


927.4 1,072.2 1,216.6 1,360.6 1,515.9 1,660.3 1,984.7 182.8
9,943.7 11,787.4 13,646.5 15,554.5 17,447.3 19,358.0 21,272.3 2,043.5
2,083.4 2,411.6 2,757.7 3,017.9 3,456.6 3,779.5 4,227.8 378.6
69,664.3 82,823.8 95,609.5 109,066.9 135,467.4 151,596.2 168,050.4 18,164.1

53,921.8 56,896.2 66,522.9 68,323.0 76,453.8 100,588.0 131,803.3 12,941.3

11,890.0 13,480.4 15,897.9 18,835.7 20,872.4 22,914.3 25,959.7 2,319.6

1,540.0 1,844.0 1,926.7 1,943.7 2,112.1 2,199.0 2,712.0 8.1

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

51.3 51.3 51.3 51.3 51.3 51.3 51.3 0.0

19,280.2 20,567.9 24,181.2 25,460.8 28,468.7 36,304.7 46,429.1 4,528.3

44,940.3 47,913.4 56,261.7 59,702.9 66,694.2 84,947.2 108,570.7 10,724.5


BANCO GRUPO EL AHORRO HONDUREÑO, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 1,246,488.8 1,389,243.0 127,295.6 253,253.9 387,921.6 531,020.0 670,120.1

INTERESES 1,196,270.4 1,326,291.5 124,007.3 246,221.2 372,399.5 509,897.2 641,562.1


Sobre Disponibilidades 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 114,622.9 128,488.0 13,228.3 27,676.4 41,125.8 59,831.2 76,458.0
Sobre Cartera de Préstamos 968,701.5 1,090,671.3 90,569.1 178,357.7 270,203.1 367,740.7 460,756.1
Préstamos Hipotecarios 348,681.1 384,310.9 32,735.0 65,527.3 98,342.7 133,950.5 168,140.0
Préstamos Fiduciarios 337,887.3 374,026.0 34,441.8 67,700.4 103,971.2 143,597.7 181,598.1
Préstamos con Garantía Accesoria 114,364.8 124,690.8 11,211.1 19,821.2 29,343.7 38,272.3 46,311.9
Otros Préstamos 167,768.2 207,643.6 12,181.2 25,308.8 38,545.5 51,920.2 64,706.0
Otros 112,946.0 107,132.3 20,209.9 40,187.1 61,070.7 82,325.4 104,348.1

DIV. SOBRE ACCIONES Y PART. 143.5 143.5 20.5 20.5 55.2 55.2 64.4

COMISIONES 43,082.6 55,693.8 3,032.4 6,837.7 15,358.8 20,884.1 28,185.2

OTROS PRODUCTOS 6,992.4 7,114.2 235.3 174.5 108.2 183.6 308.4

GASTOS FINANCIEROS 530,889.3 598,775.2 53,633.2 105,618.5 159,328.0 216,558.3 275,039.2

INTERESES 523,918.3 589,949.9 51,990.1 102,362.6 154,119.3 213,743.1 271,227.9


Sobre Depósitos en Cta. de Cheques 6,487.9 7,100.0 629.2 1,279.2 1,923.4 2,499.1 3,028.3
Sobre Depósitos de Ahorro 107,132.6 117,278.7 10,383.9 20,895.6 31,475.8 46,560.5 58,370.8
Sobre Depósitos a Plazo 192,983.3 211,754.8 18,937.0 37,556.6 55,651.5 73,733.8 91,951.1
Otras Obligaciones 217,314.5 253,816.5 22,040.1 42,631.3 65,068.5 90,949.7 117,877.7

COMISIONES 4,735.2 5,058.8 295.5 504.5 897.5 1,257.4 1,564.0

OTROS GASTOS 2,235.8 3,766.6 1,347.5 2,751.4 4,311.3 1,557.8 2,247.3

RESULTADO FINANCIERO 715,599.5 790,467.8 73,662.4 147,635.4 228,593.6 314,461.7 395,080.9

PRODUCTOS POR SERVICIOS 148,556.8 167,250.1 15,264.2 30,151.5 43,547.8 60,068.0 80,456.2

COMISIONES 88,961.5 99,360.5 8,274.4 17,386.5 25,588.0 36,773.0 49,410.8


Giros y Transferencias 30,437.0 35,510.8 2,467.8 4,786.3 8,545.5 10,911.5 14,062.3
Fideicomisos y Administración 2,132.3 2,282.3 159.9 674.6 1,049.1 1,351.0 1,764.3
Otras 56,392.2 61,567.3 5,646.7 11,925.6 15,993.4 24,510.5 33,584.2

ARRENDAMIENTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS 59,595.3 67,889.6 6,989.8 12,765.0 17,959.8 23,295.0 31,045.4

GTOS. DE ADMINISTRACION 650,578.8 711,197.4 61,599.7 122,218.3 185,869.0 263,768.6 330,759.2

GASTOS EN PERSONAL 231,186.2 254,190.2 22,439.5 45,154.8 68,621.4 91,848.7 117,082.7


Consejeros y Directores 2,935.9 3,102.5 18.7 218.4 389.9 558.9 973.1
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 2,935.9 3,102.5 18.7 218.4 389.9 558.9 973.1
Funcionarios y Empleados 228,250.3 251,087.7 22,420.8 44,936.5 68,231.4 91,289.7 116,109.6
Sueldos 124,634.8 135,909.7 12,744.9 25,529.0 35,931.6 48,727.1 61,539.6
Otros 103,615.5 115,178.0 9,675.9 19,407.5 32,299.9 42,562.7 54,570.0

DEPRECIACIONES Y AMORT. 141,650.2 152,074.3 10,457.0 21,178.1 32,265.5 46,168.9 77,258.1


Muebles e Inmuebles 46,877.4 51,214.9 4,251.2 8,464.7 12,637.7 16,835.5 20,944.9
Créditos de Dudoso Recaudo 35,496.1 35,123.6 2,166.7 4,333.4 6,500.1 13,365.6 16,642.5
Otros 59,276.6 65,735.7 4,039.1 8,380.0 13,127.7 15,967.8 39,670.7

GASTOS DIVERSOS 277,742.5 304,932.9 28,703.2 55,885.4 84,982.2 125,751.0 136,418.4


Impuestos y Contribuciones 20,061.5 22,133.2 1,915.2 3,929.1 5,862.6 7,827.2 9,782.8
Arrendamientos 26,262.3 28,593.9 2,321.7 4,636.9 6,871.5 8,759.0 10,760.9
Reparaciones y Mantenimiento 42,430.3 45,526.7 3,705.5 8,093.2 11,791.5 15,515.6 18,872.1
Otros Gastos 188,988.5 208,679.2 20,760.8 39,226.2 60,456.7 93,649.3 97,002.7

RESULTADO DE OPERACION 213,577.5 246,520.5 27,326.9 55,568.5 86,272.4 110,761.1 144,778.0

PRODUC. EXTRAORDINARIOS 50,573.1 53,132.9 3,169.4 5,809.3 7,044.9 17,960.8 19,586.7

EGRESOS EXTRAORDINARIOS 14,383.1 16,551.1 3,391.3 2,802.6 4,396.5 5,787.8 7,941.2

RESULTADOS DE EJERC. ANT. 1,516.2 1,824.0 198.5 557.7 718.8 898.4 999.4

GTOS. DE EJERC. ANTERIORES 873.7 873.7 0.0 0.0 0.0 0.0 0.0

IMPUESTO SOBRE LA RENTA 52,855.0 59,951.6 8,995.8 17,837.7 26,573.4 36,981.7 46,609.0

RESULTADOS DEL EJERCICIO 197,555.0 224,101.0 18,307.7 41,295.2 63,066.1 86,850.8 110,813.8

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

814,655.1 952,223.8 1,088,148.8 1,225,777.7 1,365,840.0 1,532,454.3 1,682,294.9 147,680.2

774,107.4 905,785.6 1,035,623.1 1,161,801.7 1,293,044.7 1,436,105.0 1,575,209.6 139,083.6


0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
90,948.1 106,487.7 123,197.7 138,339.9 151,374.8 164,669.9 176,682.0 11,646.9
555,966.2 646,259.4 734,013.9 819,732.4 912,166.6 1,015,805.0 1,115,287.7 101,130.2
202,928.2 238,445.4 270,194.6 301,390.5 333,160.9 378,600.0 412,365.3 36,346.1
218,324.7 255,286.9 290,167.8 326,111.1 364,604.1 404,172.7 446,118.8 42,317.0
54,104.3 57,866.3 64,707.2 69,305.5 75,333.8 80,150.7 86,484.1 4,539.8
80,608.9 94,660.8 108,944.4 122,925.4 139,067.7 152,881.6 170,319.5 17,927.4
127,193.1 153,038.6 178,411.5 203,729.4 229,503.3 255,630.0 283,239.9 26,306.6

626.7 626.7 626.7 661.7 664.7 664.7 664.7 0.0

39,492.5 45,252.5 51,224.0 62,527.5 71,226.1 94,714.9 105,365.2 8,596.7

428.6 559.0 675.0 786.8 904.5 969.7 1,055.4 0.0

332,871.8 387,342.6 444,225.9 500,287.5 554,114.0 606,629.2 660,622.5 52,269.1

328,202.3 381,854.3 438,044.8 493,240.7 546,029.0 597,078.1 648,095.0 50,539.4


3,554.4 3,965.4 4,494.1 5,122.7 5,867.3 6,574.7 7,267.9 599.0
69,466.6 80,767.8 92,261.1 104,026.2 116,194.8 128,352.1 139,807.8 12,151.7
110,008.7 126,939.3 142,723.2 157,876.9 172,492.2 186,454.7 200,040.9 13,423.7
145,172.6 170,181.8 198,566.4 226,215.0 251,474.7 275,696.6 300,978.4 24,365.1

1,996.6 2,417.1 2,774.2 3,130.6 3,483.4 3,990.1 4,630.6 407.1

2,672.9 3,071.2 3,406.9 3,916.2 4,601.6 5,561.0 7,896.9 1,322.6

481,783.3 564,881.2 643,923.0 725,490.3 811,726.0 925,825.1 1,021,672.4 95,411.2

88,882.7 106,397.0 124,851.0 138,859.0 157,533.5 165,049.3 185,260.0 14,374.5

55,744.0 66,215.9 77,985.8 88,657.9 101,347.4 103,541.3 117,000.6 9,235.1


20,286.7 23,286.8 26,650.4 31,238.6 34,526.2 38,670.5 42,864.7 3,636.9
1,972.3 2,290.5 2,797.2 3,023.1 3,218.1 3,677.2 6,608.0 209.3
33,485.0 40,638.6 48,538.3 54,396.2 63,603.1 61,193.7 67,527.8 5,388.9

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

33,138.7 40,181.0 46,865.1 50,201.1 56,186.1 61,508.0 68,259.5 5,139.4

400,869.7 461,244.1 523,477.6 598,050.4 660,977.0 739,591.8 812,301.8 70,552.1

141,149.5 165,172.6 189,121.7 212,319.3 236,229.3 265,242.9 290,783.1 26,208.5


1,368.1 1,636.1 1,843.9 2,132.4 2,386.1 2,439.6 2,955.7 183.6
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
1,368.1 1,636.1 1,843.9 2,132.4 2,386.1 2,439.6 2,955.7 183.6
139,781.4 163,536.5 187,277.8 210,186.9 233,843.2 262,803.3 287,827.5 26,024.9
72,209.0 85,118.6 98,021.6 109,073.8 121,999.6 134,941.8 146,886.3 14,532.0
67,572.4 78,417.8 89,256.2 101,113.1 111,843.7 127,861.6 140,941.2 11,492.9

98,325.7 108,800.0 121,276.9 134,084.4 147,022.6 174,358.5 193,137.7 16,373.2


25,376.3 29,672.0 33,982.2 38,306.5 42,646.7 46,967.3 51,459.6 4,502.1
20,088.1 22,663.2 27,483.0 32,661.1 37,914.5 44,890.1 53,284.4 8,597.3
52,861.3 56,464.7 59,811.7 63,116.8 66,461.3 82,501.1 88,393.7 3,273.8

161,394.5 187,271.6 213,078.9 251,646.7 277,725.1 299,990.4 328,380.9 27,970.4


11,765.2 13,720.7 15,757.2 17,821.6 19,819.7 21,753.5 23,191.9 2,170.4
12,621.3 14,623.2 16,651.7 18,710.8 20,740.2 22,821.5 24,943.6 2,095.2
22,458.3 25,946.1 29,713.0 32,741.7 36,913.5 41,038.4 46,833.2 4,867.4
114,549.7 132,981.6 150,957.0 182,372.6 200,251.7 214,377.0 233,412.2 18,837.4

169,796.3 210,034.0 245,296.4 266,298.8 308,282.5 351,282.6 394,630.7 39,233.6

31,689.3 33,564.1 37,302.9 38,920.1 42,667.0 48,995.4 51,035.5 1,346.5

9,332.4 11,722.8 12,115.0 9,702.0 10,584.2 13,366.8 13,366.8 889.4

1,046.2 1,053.6 1,108.6 1,095.3 1,193.3 1,186.0 1,205.3 9.8

0.0 0.0 0.0 0.0 0.0 0.0 0.0 731.6

56,785.0 68,118.5 76,443.0 85,903.0 97,950.0 111,794.0 127,744.2 11,064.3

136,414.3 164,810.4 195,149.9 210,709.2 243,608.5 276,303.2 305,760.6 27,904.6


BANCO PROMERICA, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 304,529.9 336,533.1 33,362.8 64,016.1 97,888.6 132,260.2 168,464.9

INTERESES 201,014.8 222,005.2 21,821.7 42,557.5 65,134.7 88,499.8 112,537.9


Sobre Disponibilidades 0.1 0.1 0.0 0.0 0.0 0.0 0.0
Sobre Inversiones 12,515.3 13,629.3 1,124.4 2,234.9 3,795.3 5,668.8 7,178.1
Sobre Cartera de Préstamos 188,477.8 208,352.0 20,694.9 40,320.7 61,335.1 82,823.0 105,350.5
Préstamos Hipotecarios 45,797.6 49,926.8 4,146.5 8,231.5 12,555.4 17,395.6 22,692.6
Préstamos Fiduciarios 6,375.0 7,153.8 740.2 1,703.9 2,690.1 3,583.5 4,550.6
Préstamos con Garantía Accesoria 11.8 11.8 0.0 0.0 0.0 0.0 0.0
Otros Préstamos 136,293.4 151,259.6 15,808.2 30,385.3 46,089.6 61,843.9 78,107.3
Otros 21.6 23.9 2.4 1.9 4.3 8.1 9.2

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 100,962.0 113,178.1 11,504.4 21,409.5 32,738.8 43,728.2 55,857.0

OTROS PRODUCTOS 2,553.1 1,349.8 36.8 49.1 15.1 32.1 70.1

GASTOS FINANCIEROS 103,603.7 112,689.7 10,725.7 22,151.8 33,831.1 45,732.7 58,321.0

INTERESES 100,580.3 110,185.3 10,530.1 21,743.9 33,265.0 44,959.2 57,201.8


Sobre Depósitos en Cta. de Cheques 3,137.1 3,480.9 278.3 414.6 542.4 698.0 843.6
Sobre Depósitos de Ahorro 9,460.5 10,385.7 950.3 2,027.3 3,115.0 4,095.7 5,301.0
Sobre Depósitos a Plazo 78,613.3 86,254.1 8,274.4 17,279.0 26,683.4 36,473.1 46,663.7
Otras Obligaciones 9,369.4 10,064.6 1,026.9 2,023.1 2,924.2 3,692.5 4,393.6

COMISIONES 1,809.6 2,504.4 162.1 372.6 566.1 760.9 1,088.6

OTROS GASTOS 1,213.8 0.0 33.5 35.2 0.0 12.6 30.5

RESULTADO FINANCIERO 200,926.2 223,843.4 22,637.1 41,864.3 64,057.5 86,527.4 110,143.9

PRODUCTOS POR SERVICIOS 44,243.6 49,575.4 4,225.6 8,687.1 14,432.5 20,221.7 23,927.9

COMISIONES 14,151.2 15,675.5 1,138.8 2,297.0 3,698.4 5,138.9 5,766.9


Giros y Transferencias 769.7 861.7 66.1 123.0 197.4 263.1 325.7
Fideicomisos y Administración 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otras 13,381.6 14,813.8 1,072.6 2,174.0 3,501.0 4,875.8 5,441.2

ARRENDAMIENTOS 239.7 258.6 14.3 33.3 49.8 58.8 70.3

OTROS 29,852.7 33,641.4 3,072.5 6,356.8 10,684.3 15,024.0 18,090.8

GTOS. DE ADMINISTRACION 209,907.2 233,891.2 22,198.0 42,366.4 63,315.9 86,981.0 111,156.5

GASTOS EN PERSONAL 53,957.8 59,183.1 5,330.7 10,861.7 16,887.8 22,834.7 29,013.1


Consejeros y Directores 139.7 147.1 0.0 14.3 17.7 29.8 52.0
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 139.7 147.1 0.0 14.3 17.7 29.8 52.0
Funcionarios y Empleados 53,818.2 59,036.0 5,330.7 10,847.4 16,870.1 22,804.9 28,961.1
Sueldos 40,018.5 43,891.6 4,070.6 8,200.9 12,539.4 17,036.1 21,524.5
Otros 13,799.7 15,144.4 1,260.1 2,646.5 4,330.7 5,768.8 7,436.6

DEPRECIACIONES Y AMORT. 51,086.7 56,545.7 5,856.1 10,753.0 15,965.8 21,406.4 26,211.8


Muebles e Inmuebles 11,211.0 12,235.5 949.8 1,908.8 2,903.3 3,990.4 4,995.1
Créditos de Dudoso Recaudo 35,350.0 39,292.7 4,493.0 7,984.0 12,119.0 16,123.0 19,623.0
Otros 4,525.7 5,017.5 413.3 860.2 943.4 1,293.0 1,593.7

GASTOS DIVERSOS 104,862.7 118,162.3 11,011.2 20,751.8 30,462.4 42,739.9 55,931.6


Impuestos y Contribuciones 956.0 1,026.3 236.5 345.9 427.2 508.6 589.9
Arrendamientos 8,073.2 8,843.3 730.5 1,509.1 2,244.8 2,994.2 3,749.9
Reparaciones y Mantenimiento 3,875.1 4,334.4 299.4 693.8 1,194.3 1,596.7 2,134.4
Otros Gastos 91,958.4 103,958.3 9,744.8 18,203.0 26,596.0 37,640.5 49,457.4

RESULTADO DE OPERACION 35,262.6 39,527.6 4,664.7 8,185.0 15,174.2 19,768.1 22,915.3

PRODUC. EXTRAORDINARIOS 1,435.3 1,491.8 167.8 167.8 168.0 454.7 454.7

EGRESOS EXTRAORDINARIOS 132.5 138.0 0.0 0.0 6.6 6.6 6.6

RESULTADOS DE EJERC. ANT. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GTOS. DE EJERC. ANTERIORES 0.0 0.0 83.6 108.9 108.9 108.9 108.9

IMPUESTO SOBRE LA RENTA 9,849.4 11,044.6 1,329.0 2,265.6 4,386.6 5,522.2 6,364.4

RESULTADOS DEL EJERCICIO 26,716.1 29,836.9 3,419.9 5,978.4 10,840.2 14,585.1 16,890.2

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

204,902.7 240,943.0 277,696.2 314,409.9 352,401.6 391,721.8 431,876.4 42,274.1

137,068.2 161,314.4 185,955.0 210,499.8 236,041.9 261,811.5 296,558.6 37,603.0


0.0 0.0 0.0 2,649.4 0.0 0.0 0.0 0.0
8,586.5 10,032.0 11,329.4 9,568.5 13,820.3 15,012.5 15,933.2 696.8
128,470.4 151,269.1 174,610.8 198,267.0 222,204.8 246,781.6 280,607.5 36,904.5
27,994.0 33,461.3 39,156.4 45,394.3 51,730.0 58,023.1 64,254.7 6,252.7
5,677.6 6,978.4 8,312.2 9,615.0 10,815.9 11,966.3 13,173.5 1,327.9
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
94,798.8 110,829.3 127,142.2 143,257.7 159,659.0 176,792.3 203,179.3 29,324.0
11.3 13.4 14.9 15.0 16.8 17.3 17.9 1.7

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

67,788.4 79,562.8 91,657.9 103,827.7 116,168.9 129,661.3 135,193.1 4,654.0

46.1 65.8 83.2 82.4 190.9 249.0 124.7 17.1

69,982.6 81,306.8 91,757.6 102,068.5 112,536.7 123,238.5 134,603.2 11,350.2

68,670.0 79,677.3 89,945.7 99,752.2 110,221.8 120,547.1 131,347.3 10,924.3


1,039.4 1,273.2 1,495.2 1,710.1 1,971.6 2,283.1 2,550.7 269.6
6,490.3 7,717.4 8,714.5 9,646.6 10,630.7 11,705.8 12,757.6 1,051.5
56,079.1 64,950.8 73,192.9 81,435.5 89,606.2 97,823.0 106,346.7 8,607.7
5,061.1 5,735.8 6,543.2 6,960.0 8,013.3 8,735.3 9,692.3 995.4

1,312.7 1,620.6 1,793.6 2,316.3 2,218.5 2,552.7 3,255.9 423.6

0.0 8.9 18.3 0.0 96.4 138.6 0.0 2.3

134,920.1 159,636.2 185,938.6 212,341.4 239,865.0 268,483.3 297,273.3 30,923.9

29,392.5 35,185.0 40,865.6 47,594.6 53,663.5 60,796.5 70,855.6 6,641.8

7,384.5 9,269.3 11,003.3 13,051.2 14,472.3 16,582.5 19,469.3 2,079.7


380.7 443.0 512.5 594.9 678.4 809.2 901.5 122.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
7,003.8 8,826.3 10,490.8 12,456.2 13,793.9 15,773.3 18,567.8 1,957.2

81.8 81.8 81.8 81.8 82.1 82.1 82.1 0.0

21,926.2 25,833.9 29,780.5 34,461.6 39,109.1 44,131.9 51,304.3 4,562.1

135,513.9 159,758.1 186,400.7 212,148.2 238,147.0 266,586.8 298,944.3 29,358.2

35,255.8 41,682.9 48,009.6 54,989.3 61,772.6 68,586.2 75,765.0 7,194.1


56.0 90.9 90.9 130.7 132.6 151.9 198.5 0.0
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
56.0 90.9 90.9 130.7 132.6 151.9 198.5 0.0
35,199.8 41,592.0 47,918.7 54,858.6 61,640.0 68,434.4 75,566.5 7,194.1
26,219.8 30,985.6 35,830.5 41,069.9 46,218.5 51,433.9 56,939.4 5,452.9
8,980.0 10,606.4 12,088.2 13,788.7 15,421.5 17,000.5 18,627.1 1,741.2

31,186.6 36,026.0 40,919.4 45,856.9 50,824.7 57,792.3 64,713.3 6,863.9


6,007.2 7,074.5 8,191.2 9,346.5 10,534.4 11,724.6 13,095.7 1,263.7
23,123.0 26,623.0 30,123.0 33,623.0 37,123.0 42,623.0 47,873.0 4,900.0
2,056.4 2,328.5 2,605.2 2,887.4 3,167.3 3,444.7 3,744.6 700.2

69,071.5 82,049.2 97,471.7 111,302.0 125,549.8 140,208.3 158,466.1 15,300.3


671.3 753.8 852.1 934.0 1,018.8 1,109.9 1,192.2 264.2
4,596.3 5,421.6 6,383.3 7,398.6 8,378.3 9,338.5 10,432.4 1,107.8
2,568.0 2,885.3 3,332.5 3,752.1 4,395.2 4,835.8 5,501.3 302.1
61,235.9 72,988.4 86,903.9 99,217.4 111,757.4 124,924.1 141,340.2 13,626.2

28,798.7 35,063.1 40,403.5 47,787.8 55,381.4 62,692.9 69,184.5 8,207.5

493.4 495.0 1,995.9 1,996.0 1,996.8 2,057.1 2,591.5 12.5

6.6 11.7 11.7 11.7 11.7 11.7 11.7 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

108.9 109.2 109.2 109.2 109.2 108.9 108.9 0.1

8,053.6 9,838.6 11,798.1 13,916.1 15,986.5 18,103.8 20,116.8 2,321.3

21,123.1 25,598.6 30,480.4 35,746.8 41,270.9 46,525.7 51,538.7 5,898.6


BANCO CUSCATLAN DE HONDURAS, S.A.
ESTADO DE RESULTADOS CONDENSADO
Al 31 de Enero de 2007
(En miles de lempiras)

2005 2006
CONCEPTO
NOV DIC ENE FEB MAR ABR MAY

PRODUCTOS FINANCIEROS 122,187.6 140,008.3 17,389.3 34,696.2 54,599.2 73,997.9 93,530.5

INTERESES 114,844.3 130,461.3 15,985.4 32,243.6 49,985.8 67,708.7 85,475.4


Sobre Disponibilidades 3,575.7 4,060.7 336.8 652.4 1,015.3 1,400.9 1,867.5
Sobre Inversiones 23,496.0 27,117.1 3,156.2 6,732.1 10,395.4 13,944.6 16,488.1
Sobre Cartera de Préstamos 87,770.6 99,275.3 12,492.3 24,859.2 38,575.1 52,363.2 67,119.8
Préstamos Hipotecarios 30,445.2 36,291.6 6,337.7 12,675.1 19,878.4 26,967.5 34,426.0
Préstamos Fiduciarios 36,550.4 40,125.3 3,911.5 7,501.4 11,569.4 15,718.7 20,072.5
Préstamos con Garantía Accesoria 5.7 22.1 6.5 6.5 6.5 6.5 6.5
Otros Préstamos 20,769.3 22,836.4 2,236.6 4,676.1 7,120.8 9,670.5 12,614.8
Otros 2.2 8.2 0.0 0.0 0.0 0.0 0.0

DIV. SOBRE ACCIONES Y PART. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

COMISIONES 7,126.8 9,330.6 1,374.4 2,432.5 4,471.6 6,167.4 7,986.2

OTROS PRODUCTOS 216.4 216.4 29.5 20.2 141.8 121.8 69.0

GASTOS FINANCIEROS 42,955.6 51,623.2 7,599.5 15,517.5 25,125.8 34,921.6 46,022.0

INTERESES 42,582.6 51,309.3 7,523.2 15,351.2 24,830.6 34,397.8 44,607.0


Sobre Depósitos en Cta. de Cheques 8,277.5 8,882.9 641.4 1,228.3 2,104.3 2,894.0 3,437.7
Sobre Depósitos de Ahorro 6,257.6 6,868.7 870.9 1,610.6 2,308.2 3,066.7 3,717.2
Sobre Depósitos a Plazo 23,036.4 26,915.2 3,476.9 7,494.1 12,562.6 17,634.4 23,537.6
Otras Obligaciones 5,011.0 8,642.5 2,534.0 5,018.1 7,855.5 10,802.6 13,914.5

COMISIONES 65.0 74.8 22.6 42.2 60.4 140.4 161.6

OTROS GASTOS 308.0 239.0 53.7 124.2 234.8 383.5 1,253.5

RESULTADO FINANCIERO 79,232.0 88,385.0 9,789.8 19,178.7 29,473.4 39,076.2 47,508.5

PRODUCTOS POR SERVICIOS 22,115.0 26,467.1 2,192.9 4,376.2 7,328.3 9,297.3 11,873.6

COMISIONES 20,751.3 24,497.6 1,770.0 3,520.5 6,101.4 7,801.8 9,978.0


Giros y Transferencias 2,157.2 2,366.8 214.2 442.6 729.1 934.4 1,201.7
Fideicomisos y Administración 456.3 473.7 48.6 89.6 134.9 171.2 314.3
Otras 18,137.8 21,657.0 1,507.3 2,988.3 5,237.4 6,696.2 8,462.1

ARRENDAMIENTOS 0.0 0.0 0.0 0.0 0.0 0.0 0.0

OTROS 1,363.7 1,969.6 422.9 855.8 1,226.9 1,495.6 1,895.6

GTOS. DE ADMINISTRACION 89,025.5 102,439.0 10,254.8 20,722.6 32,371.0 44,310.9 55,054.0

GASTOS EN PERSONAL 34,101.8 37,285.2 3,610.4 7,859.0 11,897.1 15,658.4 19,683.1


Consejeros y Directores 499.5 642.0 75.1 131.3 204.7 212.5 276.1
Sueldos 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Otros 499.5 642.0 75.1 131.3 204.7 212.5 276.1
Funcionarios y Empleados 33,602.3 36,643.2 3,535.3 7,727.7 11,692.4 15,445.9 19,407.0
Sueldos 22,625.4 24,971.9 2,742.9 5,470.6 8,212.2 11,037.8 13,920.2
Otros 10,976.9 11,671.3 792.4 2,257.1 3,480.2 4,408.1 5,486.8

DEPRECIACIONES Y AMORT. 12,628.3 15,762.0 1,114.6 2,196.5 4,613.5 7,109.9 8,288.8


Muebles e Inmuebles 4,652.6 4,451.9 461.3 890.0 1,374.8 1,871.4 2,397.0
Créditos de Dudoso Recaudo 789.7 3,470.7 0.0 0.0 1,278.9 2,625.4 2,625.4
Otros 7,186.1 7,839.3 653.3 1,306.6 1,959.8 2,613.1 3,266.4

GASTOS DIVERSOS 42,295.5 49,391.9 5,529.9 10,667.1 15,860.4 21,542.6 27,082.1


Impuestos y Contribuciones 770.3 1,119.7 290.6 609.9 842.6 1,207.8 1,538.1
Arrendamientos 9,068.0 9,957.5 915.2 1,785.3 2,652.5 3,565.4 4,475.5
Reparaciones y Mantenimiento 3,142.0 3,499.3 276.9 644.0 1,118.8 1,201.7 1,591.0
Otros Gastos 29,315.2 34,815.4 4,047.2 7,627.9 11,246.5 15,567.7 19,477.4

RESULTADO DE OPERACION 12,321.5 12,413.2 1,727.9 2,832.3 4,430.7 4,062.6 4,328.2

PRODUC. EXTRAORDINARIOS 197.6 285.1 3.4 6.9 14.5 17.3 22.6

EGRESOS EXTRAORDINARIOS 503.4 2,294.9 0.0 0.0 0.0 0.0 59.7

RESULTADOS DE EJERC. ANT. 0.0 0.0 0.0 0.0 0.0 0.0 0.0

GTOS. DE EJERC. ANTERIORES 318.5 318.5 20.8 103.5 204.6 208.8 233.2

IMPUESTO SOBRE LA RENTA 3,721.7 3,601.7 521.3 898.7 1,222.8 1,222.8 1,322.8

RESULTADOS DEL EJERCICIO 7,975.6 6,483.2 1,189.1 1,837.1 3,017.8 2,648.3 2,735.1

NOTA: ESTAS CIFRAS TIENEN COMO FUENTE LA INFORMACIÓN RECIBIDA DEL SISTEMA SUPERVISADO Y ESTÁN SUJETAS A REVISIÓN POSTERIOR POR PARTE DE LA C.N.B.S.
2006 2007
JUN JUL AGO SEP OCT NOV DIC ENE

113,388.9 133,930.7 154,815.4 174,642.2 196,350.8 216,638.8 239,215.5 21,802.8

102,803.2 121,257.5 139,657.2 157,054.8 175,909.3 193,397.5 212,920.5 19,354.0


2,324.6 2,783.7 3,352.9 3,870.3 4,325.8 4,811.9 5,524.7 815.9
18,904.0 21,467.7 23,709.8 25,430.8 27,387.3 28,083.3 29,619.3 1,112.1
81,574.7 97,006.2 112,594.5 127,753.7 144,196.1 160,502.3 177,776.5 17,426.0
42,155.6 50,831.6 59,622.0 68,202.8 77,406.3 86,345.8 95,723.6 9,184.6
23,972.3 28,094.6 32,128.2 36,030.5 40,111.0 44,343.9 48,904.4 4,394.9
6.5 6.5 6.5 6.5 6.5 6.5 6.5 0.0
15,440.2 18,073.5 20,837.8 23,513.9 26,672.3 29,806.0 33,142.0 3,846.5
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

10,408.7 12,531.0 15,032.8 17,512.3 20,385.8 23,238.8 26,216.9 2,285.0

176.9 142.2 125.4 75.1 55.7 2.4 78.0 163.8

56,210.5 66,663.8 77,578.5 87,384.8 97,348.4 105,710.8 115,137.9 9,823.0

53,858.4 63,228.9 73,122.4 81,923.2 90,768.6 98,848.1 107,699.7 9,034.1


3,734.3 4,039.9 4,366.5 4,703.1 5,048.9 5,421.3 5,721.8 543.8
4,318.9 4,972.1 5,701.5 6,424.0 7,163.0 7,896.5 8,762.0 930.3
28,893.4 34,662.1 40,236.6 44,741.4 49,427.1 53,304.2 57,859.4 4,695.4
16,911.9 19,554.9 22,817.7 26,054.8 29,129.6 32,226.2 35,356.5 2,864.7

195.8 355.9 397.2 446.4 562.0 532.0 679.9 93.0

2,156.2 3,079.0 4,058.9 5,015.2 6,017.8 6,330.7 6,758.3 695.9

57,178.4 67,266.9 77,237.0 87,257.4 99,002.3 110,928.0 124,077.5 11,979.7

15,969.2 19,395.8 23,155.9 26,464.7 30,036.7 33,084.4 35,967.4 2,436.1

13,772.2 16,799.5 20,137.0 23,161.7 26,280.1 28,837.7 31,209.5 2,100.4


1,500.2 1,798.0 2,090.5 2,371.8 2,678.5 2,992.7 3,266.1 277.3
354.4 485.2 547.9 595.7 666.5 786.4 864.5 74.9
11,917.5 14,516.3 17,498.7 20,194.2 22,935.1 25,058.6 27,078.9 1,748.2

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

2,197.1 2,596.3 3,018.9 3,303.0 3,756.7 4,246.7 4,757.9 335.7

66,747.4 77,475.7 88,867.1 99,493.8 111,440.7 123,856.3 144,829.9 12,862.6

23,781.6 27,669.8 32,234.9 36,485.2 41,100.4 45,364.6 51,848.1 4,617.7


304.3 431.9 449.3 458.0 426.6 436.1 458.6 61.3
0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
304.3 431.9 449.3 458.0 426.6 436.1 458.6 61.3
23,477.3 27,237.9 31,785.7 36,027.2 40,673.8 44,928.5 51,389.6 4,556.5
16,831.4 19,837.8 22,911.9 26,013.1 29,248.9 32,560.8 36,621.7 3,571.1
6,646.0 7,400.1 8,873.7 10,014.2 11,424.9 12,367.6 14,767.9 985.4

9,769.1 10,537.5 11,259.3 12,329.2 13,549.2 14,565.5 19,187.4 1,831.4


2,904.9 3,435.4 4,004.4 4,567.5 5,125.6 5,677.0 6,260.8 624.8
4,057.4 4,198.4 4,254.4 4,664.4 5,229.4 5,597.4 5,056.4 553.3
2,806.8 2,903.7 3,000.5 3,097.3 3,194.2 3,291.0 7,870.2 653.3

33,196.6 39,268.4 45,373.0 50,679.4 56,791.0 63,926.3 73,794.3 6,413.5


1,781.5 2,152.5 2,601.5 2,888.3 3,260.9 3,718.3 4,039.8 166.7
5,570.4 6,578.6 7,548.8 8,532.3 9,572.9 10,713.8 11,732.1 1,031.0
2,102.4 2,486.9 2,790.6 3,074.2 3,385.6 3,669.9 4,161.3 245.0
23,742.4 28,050.5 32,432.1 36,184.5 40,571.6 45,824.2 53,861.2 4,970.7

6,400.3 9,187.0 11,525.8 14,228.2 17,598.4 20,156.0 15,215.1 1,553.2

27.8 38.6 55.2 63.6 70.7 101.9 193.8 9.4

59.7 259.7 640.6 725.6 728.0 728.0 2,737.7 0.0

0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

208.9 208.9 208.9 235.4 235.4 235.4 235.4 30.8

2,012.9 2,947.3 3,756.4 4,596.0 5,683.9 6,561.7 4,999.9 459.6

4,146.6 5,809.7 6,975.0 8,734.8 11,021.8 12,732.9 7,436.0 1,072.2

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