| SISTEMA BANCARIO Y FINANCIERAS (CONSOLIDADO) | ||||||||||
| BALANCE GENERAL CONDENSADO | ||||||||||
| Al 31 de mayo de 2004 | ||||||||||
| (En millones de córdobas) | ||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | CALEY | FINARCA | FINDESA | TOTAL SISTEMA |
| I. ACTIVO TOTAL | 10,572.0 | 8,288.2 | 5,999.6 | 5,113.3 | 3,691.3 | 600.4 | 1,420.2 | 250.9 | 469.7 | 36,405.7 |
| 1. Disponibilidades | 2,536.2 | 1,747.9 | 1,455.2 | 997.1 | 1,135.8 | 88.3 | 360.8 | 31.5 | 52.1 | 8,404.8 |
| Moneda Nacional | 700.5 | 522.7 | 376.5 | 318.0 | 172.7 | 14.6 | 82.0 | 6.0 | 14.9 | 2,208.0 |
| Caja | 116.7 | 93.2 | 118.5 | 40.4 | 29.9 | 2.3 | 17.9 | 1.0 | 5.3 | 425.2 |
| Depósitos en el BCN | 495.6 | 378.4 | 144.7 | 231.3 | 120.9 | 3.0 | 61.4 | 4.2 | 1.9 | 1,441.5 |
| Documentos al Cobro | 88.2 | 51.1 | 113.2 | 46.3 | 19.7 | 0.0 | 2.7 | 0.0 | 0.1 | 321.4 |
| Otros | 0.0 | 0.0 | 0.0 | 0.0 | 2.3 | 9.2 | 0.0 | 0.8 | 7.6 | 19.9 |
| Moneda Extranjera | 1,835.7 | 1,225.3 | 1,078.7 | 679.2 | 963.0 | 73.7 | 278.7 | 25.4 | 37.1 | 6,196.8 |
| Caja | 83.5 | 72.1 | 70.5 | 35.4 | 36.9 | 2.6 | 17.6 | 0.8 | 13.0 | 332.4 |
| Depósitos en el BCN | 866.2 | 731.6 | 685.2 | 525.7 | 352.1 | 29.3 | 170.7 | 5.5 | 3.4 | 3,369.8 |
| Depositos en Institut. Finan. del Exterior | 834.6 | 378.7 | 216.5 | 95.2 | 536.4 | 19.3 | 60.4 | 3.1 | 0.0 | 2,144.1 |
| Otros | 51.4 | 42.9 | 106.5 | 22.8 | 37.7 | 22.5 | 30.0 | 16.1 | 20.7 | 350.5 |
| 2. Inversiones Temporales | 0.0 | 0.0 | 836.7 | 626.5 | 15.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1,479.0 |
| 3. Inversiones Permanentes | 4,230.0 | 2,755.7 | 22.2 | 1,410.2 | 748.9 | 0.0 | 409.8 | 1.6 | 5.7 | 9,584.1 |
| 4. Cartera de Créditos Neta | 3,399.7 | 3,123.3 | 3,361.7 | 1,838.4 | 1,573.1 | 470.3 | 579.2 | 188.3 | 375.8 | 14,909.8 |
| Cartera de Crédito Bruta | 3,529.1 | 3,311.9 | 3,529.3 | 1,911.3 | 1,670.1 | 487.7 | 616.7 | 193.7 | 383.0 | 15,632.9 |
| Creditos Corrientes | 3,457.6 | 3,223.4 | 3,463.1 | 1,847.5 | 1,589.4 | 483.7 | 599.0 | 190.9 | 377.5 | 15,232.1 |
| Créditos Vencidos | 71.5 | 88.5 | 66.2 | 63.8 | 80.7 | 4.1 | 17.7 | 2.9 | 5.5 | 400.8 |
| Provisión para Cartera de Créditos | -129.4 | -188.6 | -167.6 | -72.9 | -97.0 | -17.5 | -37.5 | -5.4 | -7.2 | -723.1 |
| 5. Intereses y Comisiones p/Cobrar s/Cartera | 83.0 | 87.2 | 28.5 | 30.2 | 16.8 | 9.3 | 22.1 | 1.8 | 11.1 | 290.0 |
| 6. Otras Cuentas por Cobrar | 12.2 | 110.9 | 12.0 | 25.7 | 22.8 | 3.4 | 0.7 | 2.1 | 2.2 | 191.9 |
| 7. Bienes de Uso | 199.6 | 328.9 | 229.2 | 103.2 | 121.4 | 15.8 | 25.4 | 20.2 | 13.1 | 1,056.7 |
| 8. Otros Activos | 111.4 | 134.2 | 54.2 | 82.1 | 56.8 | 13.4 | 22.2 | 5.4 | 9.8 | 489.5 |
| II. PASIVO TOTAL | 9,905.0 | 7,690.9 | 5,404.5 | 4,872.6 | 3,346.5 | 507.1 | 1,222.2 | 198.9 | 400.9 | 33,548.5 |
| 1. Depósitos | 8,787.6 | 6,793.5 | 4,898.8 | 4,259.9 | 2,977.9 | 205.3 | 1,095.9 | 58.9 | 34.9 | 29,112.6 |
| Moneda Nacional | 3,003.0 | 2,528.4 | 1,176.4 | 1,355.6 | 877.2 | 18.6 | 276.1 | 25.6 | 13.0 | 9,273.8 |
| Depósitos en Cuentas Corrientes | 532.8 | 589.1 | 356.5 | 131.5 | 111.9 | 0.0 | 88.3 | 0.0 | 0.0 | 1,810.1 |
| Depósitos de Ahorro | 737.4 | 1,046.1 | 317.9 | 681.8 | 333.3 | 10.0 | 66.9 | 0.0 | 5.7 | 3,199.1 |
| Depósitos a Plazo | 1,262.9 | 804.8 | 88.0 | 526.4 | 373.9 | 8.6 | 119.1 | 25.6 | 7.3 | 3,216.6 |
| Otros Depósitos | 470.0 | 88.4 | 414.0 | 15.8 | 58.0 | 0.0 | 1.8 | 0.0 | 0.0 | 1,048.0 |
| Moneda Extranjera | 5,784.6 | 4,265.1 | 3,722.4 | 2,904.3 | 2,100.7 | 186.7 | 819.8 | 33.3 | 21.9 | 19,838.8 |
| Depósitos en Cuentas Corrientes | 500.5 | 594.7 | 550.7 | 99.7 | 256.7 | 0.0 | 117.4 | 0.0 | 0.0 | 2,119.8 |
| Depósitos de Ahorro | 1,604.0 | 1,731.5 | 1,473.7 | 1,440.9 | 932.2 | 66.6 | 312.0 | 10.2 | 12.6 | 7,583.7 |
| Depósitos a Plazo | 3,062.9 | 1,706.7 | 1,046.1 | 1,298.6 | 829.9 | 120.1 | 388.3 | 23.1 | 9.3 | 8,484.9 |
| Otros Depósitos | 617.2 | 232.3 | 652.0 | 65.1 | 81.9 | 0.0 | 2.0 | 0.0 | 0.0 | 1,650.4 |
| 2. Otras Obligaciones con el Público | 268.4 | 88.7 | 109.5 | 126.7 | 38.2 | 3.1 | 13.6 | 3.3 | 0.1 | 651.6 |
| 3. Otras Oblig. Con Inst. Finan. Y otros Financiam. | 652.5 | 592.1 | 287.7 | 473.0 | 248.8 | 279.4 | 96.9 | 132.0 | 339.8 | 3,102.3 |
| Préstamos de la FNI | 212.2 | 210.9 | 174.2 | 95.3 | 146.1 | 75.9 | 48.7 | 34.7 | 49.9 | 1,047.8 |
| Préstamos de Inst. Financieras del Exterior | 0.0 | 111.1 | 0.0 | 38.1 | 22.4 | 2.2 | 0.0 | 59.2 | 41.3 | 274.3 |
| Otros | 440.3 | 270.0 | 113.5 | 339.7 | 80.3 | 201.2 | 48.2 | 38.2 | 248.7 | 1,780.2 |
| 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 | 75.5 | 97.5 | 99.5 | 10.5 | 78.6 | 17.4 | 14.6 | 2.0 | 15.1 | 410.7 |
| 6. Otros Pasivos | 121.0 | 47.4 | 9.0 | 2.5 | 2.1 | 1.9 | 0.6 | 2.6 | 1.2 | 188.4 |
| 7. Oblig. Subordinadas y/o Convertibles en Capital | 0.0 | 71.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9.8 | 81.4 |
| III. PATRIMONIO | 667.0 | 597.3 | 595.2 | 240.7 | 344.8 | 93.3 | 198.0 | 52.0 | 68.8 | 2,857.1 |
| 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 | 117.0 | 0.0 | 0.9 | 0.0 | 0.0 | 9.5 | 0.0 | 0.0 | 127.4 |
| 4. Reservas Patrimoniales | 94.8 | 74.6 | 104.0 | 29.1 | 61.0 | 3.8 | 3.5 | 1.7 | 3.7 | 376.1 |
| 5. Resultados Acum de Ejerciciones anteriores | 234.7 | 142.4 | 101.1 | 5.2 | 82.5 | 21.3 | 6.5 | 5.0 | 4.3 | 603.0 |
| 6. Resultados del periodo | 87.5 | 63.3 | 165.0 | 14.8 | 40.3 | 15.6 | 0.1 | 4.1 | 9.0 | 399.7 |
| IV. CUENTAS CONTINGENTES | 1,053.9 | 577.9 | 413.3 | 51.5 | 928.1 | 3.4 | 18.3 | 2.7 | 0.0 | 3,049.1 |
| V. CUENTAS DE ORDEN | 5,539.0 | 11,050.0 | 5,134.6 | 3,064.2 | 1,870.4 | 1,268.3 | 1,649.7 | 290.8 | 1,106.9 | 30,974.0 |