| SISTEMA BANCARIO Y FINANCIERAS (CONSOLIDADO) | ||||||||||
| BALANCE GENERAL CONDENSADO | ||||||||||
| Al 30 de abril de 2004 | ||||||||||
| (En millones de córdobas) | ||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | CALEY | FINARCA | FINDESA | TOTAL SISTEMA |
| I. ACTIVO TOTAL | 10,304.4 | 8,017.7 | 5,763.1 | 4,964.1 | 3,743.3 | 581.9 | 1,376.2 | 246.7 | 420.8 | 35,418.4 |
| 1. Disponibilidades | 2,477.7 | 1,617.5 | 1,530.5 | 835.0 | 1,148.4 | 104.1 | 300.2 | 40.9 | 31.1 | 8,085.5 |
| Moneda Nacional | 701.6 | 730.2 | 512.6 | 212.2 | 231.7 | 12.7 | 68.7 | 4.6 | 10.3 | 2,484.6 |
| Caja | 72.3 | 70.5 | 97.8 | 29.5 | 28.1 | 1.6 | 13.6 | 0.1 | 4.5 | 318.1 |
| Depósitos en el BCN | 580.5 | 561.8 | 279.4 | 152.0 | 178.3 | 2.5 | 51.3 | 4.3 | 1.4 | 1,811.5 |
| Documentos al Cobro | 48.7 | 97.9 | 135.4 | 30.7 | 24.7 | 0.0 | 3.8 | 0.0 | 0.1 | 341.2 |
| Otros | 0.0 | 0.0 | 0.0 | 0.0 | 0.7 | 8.7 | 0.0 | 0.2 | 4.2 | 13.9 |
| Moneda Extranjera | 1,776.1 | 887.3 | 1,017.9 | 622.9 | 916.7 | 91.3 | 231.5 | 36.3 | 20.8 | 5,600.8 |
| Caja | 119.7 | 48.2 | 64.5 | 23.2 | 36.2 | 2.6 | 17.9 | 2.2 | 7.1 | 321.5 |
| Depósitos en el BCN | 1,043.9 | 602.4 | 666.1 | 472.2 | 354.6 | 29.0 | 135.0 | 5.5 | 2.6 | 3,311.4 |
| Depositos en Institut. Finan. del Exterior | 571.5 | 197.1 | 230.4 | 106.0 | 503.0 | 51.4 | 52.5 | 20.3 | 0.0 | 1,732.2 |
| Otros | 41.0 | 39.6 | 56.9 | 21.5 | 22.9 | 8.4 | 26.1 | 8.2 | 11.1 | 235.8 |
| 2. Inversiones Temporales | 0.0 | 0.0 | 788.6 | 601.3 | 31.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,421.4 |
| 3. Inversiones Permanentes | 4,043.9 | 2,808.1 | 20.9 | 1,459.5 | 736.3 | 0.0 | 414.7 | 0.0 | 5.7 | 9,489.1 |
| 4. Cartera de Créditos Neta | 3,369.4 | 2,924.6 | 3,098.5 | 1,837.8 | 1,599.2 | 439.8 | 592.0 | 174.4 | 349.6 | 14,385.3 |
| Cartera de Crédito Bruta | 3,504.0 | 3,114.9 | 3,260.6 | 1,909.5 | 1,693.4 | 456.1 | 629.1 | 179.7 | 356.0 | 15,103.3 |
| Creditos Corrientes | 3,416.1 | 3,026.2 | 3,194.9 | 1,845.4 | 1,614.6 | 452.1 | 611.7 | 176.1 | 351.8 | 14,688.9 |
| Créditos Vencidos | 87.9 | 88.7 | 65.7 | 64.1 | 78.7 | 4.0 | 17.4 | 3.6 | 4.2 | 414.4 |
| Provisión para Cartera de Créditos | -134.7 | -190.3 | -162.1 | -71.7 | -94.2 | -16.4 | -37.1 | -5.3 | -6.4 | -718.0 |
| 5. Intereses y Comisiones p/Cobrar s/Cartera | 81.7 | 90.4 | 27.3 | 27.4 | 20.5 | 8.5 | 20.2 | 2.1 | 10.4 | 288.5 |
| 6. Otras Cuentas por Cobrar | 15.6 | 109.0 | 12.1 | 24.4 | 26.8 | 3.4 | 0.6 | 3.2 | 1.8 | 196.8 |
| 7. Bienes de Uso | 207.8 | 334.9 | 229.8 | 103.7 | 121.8 | 15.2 | 24.8 | 20.2 | 13.2 | 1,071.4 |
| 8. Otros Activos | 108.3 | 133.2 | 55.4 | 74.9 | 58.9 | 11.0 | 23.7 | 5.9 | 9.0 | 480.4 |
| II. PASIVO TOTAL | 9,663.7 | 7,423.7 | 5,163.2 | 4,727.6 | 3,405.0 | 491.8 | 1,178.3 | 195.7 | 351.1 | 32,600.1 |
| 1. Depósitos | 8,749.0 | 6,433.7 | 4,708.8 | 4,366.9 | 2,997.1 | 196.7 | 1,052.9 | 57.1 | 24.3 | 28,586.4 |
| Moneda Nacional | 3,021.9 | 2,395.4 | 1,156.1 | 1,367.5 | 898.7 | 16.1 | 272.4 | 25.5 | 8.7 | 9,162.3 |
| Depósitos en Cuentas Corrientes | 531.5 | 549.3 | 343.5 | 148.6 | 106.7 | 0.0 | 85.0 | 0.0 | 0.0 | 1,764.6 |
| Depósitos de Ahorro | 782.3 | 1,028.2 | 357.9 | 642.6 | 336.7 | 8.0 | 67.7 | 0.0 | 3.0 | 3,226.4 |
| Depósitos a Plazo | 1,221.0 | 728.9 | 84.6 | 550.4 | 385.5 | 8.1 | 117.3 | 25.5 | 5.7 | 3,127.0 |
| Otros Depósitos | 487.2 | 88.9 | 370.1 | 25.9 | 69.8 | 0.0 | 2.4 | 0.0 | 0.0 | 1,044.3 |
| Moneda Extranjera | 5,727.0 | 4,038.4 | 3,552.7 | 2,999.3 | 2,098.4 | 180.5 | 780.4 | 31.6 | 15.6 | 19,424.0 |
| Depósitos en Cuentas Corrientes | 429.4 | 583.7 | 525.2 | 159.5 | 222.9 | 0.0 | 117.2 | 0.0 | 0.0 | 2,037.8 |
| Depósitos de Ahorro | 1,603.0 | 1,715.5 | 1,435.1 | 1,447.8 | 948.1 | 62.6 | 296.9 | 8.9 | 10.9 | 7,528.6 |
| Depósitos a Plazo | 3,084.7 | 1,552.1 | 1,023.0 | 1,352.7 | 841.1 | 117.9 | 365.1 | 22.7 | 4.7 | 8,364.0 |
| Otros Depósitos | 609.9 | 187.1 | 569.5 | 39.4 | 86.3 | 0.0 | 1.3 | 0.0 | 0.0 | 1,493.5 |
| 2. Otras Obligaciones con el Público | 216.0 | 94.8 | 60.2 | 112.9 | 48.0 | 2.5 | 10.4 | 3.4 | 0.1 | 548.4 |
| 3. Otras Oblig. Con Inst. Finan. Y otros Financiam. | 541.4 | 704.7 | 291.2 | 235.9 | 275.8 | 272.9 | 100.0 | 130.7 | 305.1 | 2,857.6 |
| Préstamos de la FNI | 240.4 | 210.6 | 177.9 | 58.2 | 153.4 | 64.6 | 48.9 | 36.7 | 54.6 | 1,045.1 |
| Préstamos de Inst. Financieras del Exterior | 0.0 | 195.4 | 0.0 | 0.0 | 22.3 | 15.0 | 19.0 | 74.8 | 25.3 | 351.8 |
| Otros | 301.0 | 298.7 | 113.3 | 177.7 | 100.2 | 193.3 | 32.1 | 19.2 | 225.3 | 1,460.7 |
| 4. Obligaciones con el BCN | 0.0 | 0.0 | 0.0 | 0.0 | 0.9 | 0.0 | 0.6 | 0.0 | 0.0 | 1.5 |
| 5. Otras Cuentas por Pagar y Provisiones | 72.8 | 89.3 | 80.1 | 10.2 | 78.0 | 17.8 | 14.0 | 2.0 | 11.0 | 375.2 |
| 6. Otros Pasivos | 84.6 | 28.1 | 22.9 | 1.7 | 5.2 | 1.9 | 0.4 | 2.5 | 0.9 | 148.3 |
| 7. Oblig. Subordinadas y/o Convertibles en Capital | 0.0 | 73.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9.7 | 82.7 |
| III. PATRIMONIO | 640.7 | 594.0 | 599.9 | 236.5 | 338.3 | 90.1 | 198.0 | 51.0 | 69.7 | 2,818.3 |
| 1. Capital Social | 250.0 | 200.0 | 225.0 | 190.7 | 161.0 | 52.7 | 178.5 | 40.0 | 50.0 | 1,347.9 |
| 2. Aportes Patrimoniales no capitalizados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.2 | 1.9 | 3.1 |
| 3. Ajustes Patrimoniales | 0.0 | 123.3 | 0.0 | 0.9 | 0.0 | 0.0 | 9.5 | 0.0 | 0.0 | 133.7 |
| 4. Reservas Patrimoniales | 94.8 | 74.6 | 104.0 | 29.1 | 61.0 | 3.8 | 3.2 | 1.7 | 3.7 | 375.8 |
| 5. Resultados Acum de Ejerciciones anteriores | 234.7 | 142.4 | 158.0 | 5.2 | 82.5 | 21.3 | 6.7 | 5.0 | 7.7 | 663.6 |
| 6. Resultados del periodo | 61.1 | 53.7 | 112.9 | 10.6 | 33.8 | 12.4 | 0.1 | 3.2 | 6.4 | 294.2 |
| IV. CUENTAS CONTINGENTES | 965.2 | 589.7 | 490.9 | 52.0 | 916.1 | 3.4 | 19.9 | 3.9 | 0.0 | 3,041.1 |
| V. CUENTAS DE ORDEN | 5,246.5 | 10,804.9 | 4,757.0 | 2,990.0 | 1,913.4 | 1,166.9 | 1,611.8 | 294.3 | 1,066.6 | 29,851.4 |