| SISTEMA BANCARIO Y FINANCIERAS (CONSOLIDADO) | ||||||||||
| BALANCE GENERAL CONDENSADO | ||||||||||
| Al 31 de octubre de 2004 | ||||||||||
| (En millones de córdobas) | ||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | CALEY | FINARCA | FINDESA | TOTAL SISTEMA |
| I. ACTIVO TOTAL | 11,382.1 | 9,032.0 | 6,414.1 | 5,198.5 | 3,648.3 | 811.9 | 1,428.5 | 313.4 | 686.4 | 38,915.0 |
| 1. Disponibilidades | 3,096.0 | 2,022.7 | 1,577.1 | 986.1 | 1,062.1 | 121.4 | 328.8 | 50.0 | 129.9 | 9,374.1 |
| Moneda Nacional | 861.9 | 746.2 | 371.3 | 305.6 | 205.4 | 13.9 | 89.9 | 1.0 | 36.8 | 2,631.9 |
| Caja | 98.9 | 95.7 | 118.3 | 29.1 | 25.3 | 3.2 | 16.3 | 0.1 | 9.7 | 396.6 |
| Depósitos en el BCN | 679.5 | 555.1 | 128.1 | 232.8 | 147.0 | 2.4 | 63.4 | 0.0 | 7.3 | 1,815.6 |
| Documentos al Cobro | 83.5 | 95.3 | 125.0 | 43.8 | 30.3 | 0.2 | 10.1 | 0.0 | 0.6 | 388.7 |
| Otros | 0.0 | 0.0 | 0.0 | 0.0 | 2.7 | 8.2 | 0.0 | 0.9 | 19.2 | 31.0 |
| Moneda Extranjera | 2,234.1 | 1,276.5 | 1,205.9 | 680.5 | 856.7 | 107.6 | 238.9 | 49.0 | 93.1 | 6,742.2 |
| Caja | 72.5 | 72.4 | 77.7 | 30.2 | 41.3 | 5.1 | 16.3 | 0.7 | 16.5 | 332.8 |
| Depósitos en el BCN | 1,125.4 | 765.5 | 844.8 | 465.4 | 386.5 | 33.3 | 117.7 | 10.1 | 30.5 | 3,779.1 |
| Depositos en Institut. Finan. del Exterior | 998.7 | 362.0 | 224.7 | 163.8 | 407.2 | 51.1 | 94.0 | 0.6 | 0.0 | 2,302.0 |
| Otros | 37.4 | 76.6 | 58.6 | 21.1 | 21.7 | 18.1 | 10.9 | 37.6 | 46.2 | 328.2 |
| 2. Inversiones Temporales | 0.0 | 91.1 | 953.5 | 860.1 | 67.0 | 0.0 | 0.1 | 0.0 | 4.9 | 1,976.7 |
| 3. Inversiones Permanentes | 4,293.0 | 2,828.4 | 21.3 | 1,105.2 | 720.4 | 0.0 | 406.5 | 1.6 | 5.7 | 9,382.2 |
| 4. Cartera de Créditos Neta | 3,616.4 | 3,401.6 | 3,534.6 | 2,009.0 | 1,582.0 | 638.6 | 624.5 | 210.0 | 501.6 | 16,118.4 |
| Cartera de Crédito Bruta | 3,751.5 | 3,588.7 | 3,704.6 | 2,082.3 | 1,686.7 | 663.0 | 672.4 | 215.2 | 512.2 | 16,876.6 |
| Creditos Corrientes | 3,696.0 | 3,478.0 | 3,640.2 | 2,026.3 | 1,603.4 | 659.3 | 655.1 | 210.4 | 504.7 | 16,473.4 |
| Créditos Vencidos | 55.5 | 110.8 | 64.4 | 55.9 | 83.3 | 3.7 | 17.3 | 4.8 | 7.5 | 403.2 |
| Provisión para Cartera de Créditos | -135.1 | -187.1 | -170.0 | -73.3 | -104.6 | -24.4 | -47.9 | -5.2 | -10.5 | -758.2 |
| 5. Intereses y Comisiones p/Cobrar s/Cartera | 66.4 | 91.4 | 29.4 | 31.7 | 20.3 | 15.0 | 23.2 | 2.2 | 14.4 | 293.9 |
| 6. Otras Cuentas por Cobrar | 11.9 | 78.9 | 15.2 | 23.1 | 23.4 | 5.0 | 0.4 | 22.0 | 1.7 | 181.6 |
| 7. Bienes de Uso | 188.4 | 360.7 | 240.8 | 103.0 | 130.3 | 18.5 | 25.3 | 20.3 | 15.5 | 1,102.7 |
| 8. Otros Activos | 110.0 | 157.2 | 42.1 | 80.4 | 42.8 | 13.4 | 19.7 | 7.2 | 12.6 | 485.4 |
| II. PASIVO TOTAL | 10,611.3 | 8,361.9 | 5,714.4 | 4,803.8 | 3,300.3 | 702.9 | 1,245.0 | 256.1 | 604.5 | 35,600.1 |
| 1. Depósitos | 9,787.2 | 7,182.5 | 5,061.5 | 4,403.3 | 2,976.7 | 232.6 | 1,119.8 | 111.0 | 108.9 | 30,983.6 |
| Moneda Nacional | 3,539.1 | 2,510.7 | 1,208.0 | 1,435.7 | 794.0 | 22.2 | 301.9 | 0.0 | 38.0 | 9,849.7 |
| Depósitos en Cuentas Corrientes | 595.2 | 632.0 | 357.2 | 166.6 | 114.9 | 0.0 | 116.5 | 0.0 | 0.0 | 1,982.5 |
| Depósitos de Ahorro | 836.5 | 1,027.2 | 355.4 | 638.8 | 322.0 | 15.9 | 69.4 | 0.0 | 10.3 | 3,275.3 |
| Depósitos a Plazo | 1,647.4 | 757.2 | 71.2 | 626.8 | 226.3 | 6.3 | 113.4 | 0.0 | 27.7 | 3,476.5 |
| Otros Depósitos | 460.0 | 94.4 | 424.2 | 3.5 | 130.8 | 0.0 | 2.5 | 0.0 | 0.0 | 1,115.4 |
| Moneda Extranjera | 6,248.1 | 4,671.8 | 3,853.5 | 2,967.6 | 2,182.7 | 210.4 | 817.9 | 111.0 | 70.9 | 21,133.9 |
| Depósitos en Cuentas Corrientes | 588.8 | 708.3 | 605.6 | 156.3 | 224.1 | 0.0 | 132.6 | 0.0 | 0.0 | 2,415.7 |
| Depósitos de Ahorro | 1,740.3 | 2,054.0 | 1,616.0 | 1,531.2 | 994.3 | 80.1 | 311.8 | 11.9 | 25.1 | 8,364.6 |
| Depósitos a Plazo | 3,257.1 | 1,711.0 | 1,058.2 | 1,279.2 | 847.7 | 130.4 | 372.1 | 99.1 | 45.8 | 8,800.6 |
| Otros Depósitos | 661.9 | 198.5 | 573.7 | 0.8 | 116.6 | 0.0 | 1.4 | 0.0 | 0.0 | 1,553.0 |
| 2. Otras Obligaciones con el Público | 165.6 | 281.1 | 77.5 | 110.1 | 53.6 | 3.6 | 22.5 | 2.1 | 0.4 | 716.5 |
| 3. Otras Oblig. Con Inst. Finan. Y otros Financiam. | 518.2 | 619.3 | 413.8 | 269.3 | 187.4 | 443.3 | 83.9 | 140.2 | 467.0 | 3,142.4 |
| Préstamos de la FNI | 251.4 | 274.2 | 308.7 | 107.5 | 118.1 | 68.5 | 48.0 | 30.7 | 54.8 | 1,261.9 |
| Préstamos de Inst. Financieras del Exterior | 14.4 | 67.4 | 0.0 | 21.1 | 9.2 | 40.8 | 7.3 | 82.7 | 42.1 | 289.2 |
| Otros | 252.3 | 277.7 | 105.1 | 140.8 | 60.2 | 334.0 | 28.6 | 26.8 | 370.1 | 1,591.2 |
| 4. Obligaciones con el BCN | 0.0 | 0.0 | 0.0 | 0.0 | 0.4 | 0.0 | 0.3 | 0.0 | 0.0 | 0.8 |
| 5. Otras Cuentas por Pagar y Provisiones | 92.7 | 152.6 | 147.7 | 14.2 | 72.5 | 21.0 | 17.9 | 2.3 | 16.9 | 537.7 |
| 6. Otros Pasivos | 47.7 | 51.7 | 13.8 | 6.9 | 9.7 | 2.3 | 0.6 | 0.4 | 0.9 | 134.0 |
| 7. Oblig. Subordinadas y/o Convertibles en Capital | 0.0 | 74.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10.3 | 85.2 |
| III. PATRIMONIO | 770.8 | 670.1 | 699.7 | 394.7 | 348.0 | 109.0 | 183.5 | 57.3 | 81.9 | 3,314.9 |
| 1. Capital Social | 250.0 | 200.0 | 225.0 | 234.2 | 161.0 | 74.0 | 178.5 | 40.0 | 50.0 | 1,412.6 |
| 2. Aportes Patrimoniales no capitalizados | 0.0 | 0.0 | 0.0 | 53.3 | 0.0 | 0.0 | 0.0 | 1.2 | 1.9 | 56.4 |
| 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 | 28.0 | 61.0 | 3.8 | 3.5 | 1.7 | 3.7 | 375.0 |
| 5. Resultados Acum de Ejerciciones anteriores | 234.7 | 146.8 | 73.9 | -28.7 | 32.5 | 0.0 | -20.6 | 5.0 | 4.3 | 448.0 |
| 6. Resultados del periodo | 191.3 | 131.6 | 296.8 | 107.0 | 93.4 | 31.3 | 12.7 | 9.4 | 22.0 | 895.6 |
| IV. CUENTAS CONTINGENTES | 1,254.0 | 705.6 | 614.5 | 113.3 | 1,026.0 | 1.7 | 26.3 | 5.3 | 0.1 | 3,746.9 |
| V. CUENTAS DE ORDEN | 6,855.0 | 12,694.3 | 12,221.3 | 3,807.2 | 1,815.8 | 1,735.0 | 1,639.1 | 284.4 | 1,373.6 | 42,425.7 |