| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERPECTIVA) | ||||||||||||||||
| Balance de Situación (Condensado) | ||||||||||||||||
| Al 31 de Enero de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | FINARCA | FINDESA | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Activo | 18,832,184.70 | 15,069,497.50 | 11,963,623.70 | 7,607,918.90 | 5,200,257.20 | 2,868,724.80 | 441,992.40 | 3,144,756.70 | 964,678.00 | 648,178.70 | 66,741,812.50 | |||||
| Disponibilidades | 4,335,309.70 | 2,538,003.00 | 2,921,350.20 | 1,524,240.20 | 1,410,641.70 | 315,687.00 | 34,829.10 | 505,887.90 | 54,642.10 | 20,717.60 | 13,661,308.70 | |||||
| Moneda Nacional | 2,181,124.80 | 911,240.20 | 1,112,672.10 | 361,175.60 | 360,953.70 | 90,583.50 | 773.60 | 154,798.00 | 8,229.20 | 10,477.90 | 5,192,028.80 | |||||
| Caja | 391,001.80 | 284,864.80 | 268,804.00 | 51,365.90 | 47,348.10 | 33,360.90 | 245.60 | 75,615.20 | 2,824.00 | 3,692.70 | 1,159,122.90 | |||||
| Banco Central de Nicaragua | 669,121.60 | 0.00 | 733,056.90 | 261,889.20 | 287,674.70 | 55,946.90 | 7.30 | 48,538.80 | 2,816.90 | 23.10 | 2,059,075.40 | |||||
| Depositos e Instituciones Financieras del Pais | 101.00 | 0.00 | 0.00 | 488.90 | 0.00 | 711.80 | 520.70 | 29,991.10 | 1,910.90 | 6,762.20 | 40,486.60 | |||||
| Otras disponibilidades | 1,120,900.40 | 626,375.40 | 110,811.20 | 47,431.70 | 25,931.00 | 563.90 | 0.00 | 652.90 | 677.40 | 0.00 | 1,933,343.90 | |||||
| Moneda Extranjera | 2,154,185.00 | 1,626,762.80 | 1,808,678.10 | 1,163,064.60 | 1,049,688.00 | 225,103.50 | 34,055.50 | 351,089.90 | 46,412.90 | 10,239.70 | 8,469,279.90 | |||||
| Caja | 222,377.70 | 126,602.00 | 216,820.50 | 55,788.80 | 94,930.60 | 46,872.20 | 1,533.30 | 54,407.50 | 7,518.70 | 2,076.00 | 828,927.40 | |||||
| Banco Central de Nicaragua | 40,613.10 | 0.00 | 1,156,475.20 | 790,628.80 | 546,540.80 | 137,181.80 | 20,734.80 | 90,180.50 | 7,245.90 | 26.30 | 2,789,627.20 | |||||
| Depositos e Instituciones Financieras del Pais | 0.00 | 0.00 | 0.00 | 18,295.00 | 0.00 | 2,341.70 | 10,933.40 | 45,997.40 | 1,782.40 | 8,137.50 | 87,487.40 | |||||
| Depositos en Instituciones Financieras del exterior | 477,074.80 | 393,524.40 | 326,793.50 | 272,995.60 | 372,194.80 | 36,872.40 | 854.00 | 152,872.20 | 8,385.60 | 0.00 | 2,041,567.40 | |||||
| Otras disponibilidades | 1,414,119.40 | 1,106,636.40 | 108,589.00 | 25,356.30 | 36,021.60 | 1,835.40 | 0.00 | 7,632.30 | 21,480.30 | 0.00 | 2,721,670.60 | |||||
| Inversiones en valores, neto | 4,595,622.20 | 2,800,838.90 | 18,660.40 | 1,326,792.30 | 76,646.00 | 0.00 | 3,776.10 | 52,012.70 | 0.00 | 0.00 | 8,874,348.60 | |||||
| Inversiones al Valor Razonable con Cambios en Resultados | 73,649.90 | 0.00 | 0.00 | 15,211.50 | 76,646.00 | 0.00 | 0.00 | 51,507.20 | 0.00 | 0.00 | 217,014.60 | |||||
| Inversiones Disponibles para la Venta | 0.00 | 2,121,907.30 | 18,660.40 | 225.40 | 0.00 | 0.00 | 3,776.10 | 0.00 | 0.00 | 0.00 | 2,144,569.10 | |||||
| Inversiones Mantenidas Hasta el Vencimiento | 4,521,972.30 | 678,931.60 | 0.00 | 1,311,355.40 | 0.00 | 0.00 | 0.00 | 505.50 | 0.00 | 0.00 | 6,512,764.90 | |||||
| Operaciones con Valores y Derivados | 1,586.00 | 0.00 | 0.00 | 16,570.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 18,156.40 | |||||
| Cartera de Creditos, neta | 9,312,754.10 | 8,919,999.10 | 8,502,421.50 | 4,452,687.40 | 3,515,590.90 | 2,355,258.40 | 378,374.10 | 2,419,457.90 | 880,880.90 | 578,636.80 | 41,316,061.10 | |||||
| Créditos vigentes | 8,798,306.50 | 8,303,254.30 | 8,476,368.90 | 4,376,985.60 | 3,389,617.60 | 2,338,380.10 | 362,210.70 | 2,367,131.80 | 879,677.40 | 597,861.50 | 39,889,794.30 | |||||
| Créditos prorrogados | 51,298.00 | 204,477.80 | 2,505.20 | 0.00 | 0.00 | 0.00 | 5,819.80 | 5,942.40 | 0.00 | 0.00 | 270,043.20 | |||||
| Créditos reestructurados | 341,422.40 | 237,424.30 | 68,015.80 | 14,878.10 | 166,905.40 | 2,265.30 | 3,586.90 | 2,819.20 | 0.00 | 0.00 | 837,317.40 | |||||
| Créditos vencidos | 176,632.30 | 118,246.80 | 119,668.90 | 112,664.60 | 91,979.60 | 11,675.10 | 13,257.30 | 32,865.70 | 402.40 | 8,631.60 | 686,024.30 | |||||
| Créditos en cobro judicial | 127,223.40 | 63,433.40 | 111,151.60 | 14,077.10 | 41,382.60 | 21,236.30 | 3,227.40 | 12,210.70 | 0.00 | 365.70 | 394,308.20 | |||||
| Intereses y Comisiones por Cobrar sobre Creditos | 175,430.70 | 236,997.60 | 70,553.50 | 90,466.70 | 19,421.20 | 87,459.90 | 4,725.70 | 86,125.80 | 9,798.70 | 10,840.60 | 791,820.40 | |||||
| Provisiones por incobrabilidad de cartera de creditos | -357,559.30 | -243,835.10 | -345,842.50 | -156,384.50 | -193,715.50 | -105,758.20 | -14,453.60 | -87,637.70 | -8,997.60 | -39,062.50 | -1,553,246.50 | |||||
| Otras cuentas por cobrar, neto | 43,517.30 | 206,677.00 | 61,685.70 | 28,824.10 | 37,099.90 | 30,864.20 | 1,017.60 | 18,864.50 | 1,147.30 | 2,438.50 | 432,136.20 | |||||
| Bienes de uso, neto | 433,664.80 | 208,207.60 | 359,256.40 | 99,991.70 | 69,355.80 | 108,138.90 | 10,758.40 | 43,062.50 | 8,752.10 | 27,891.90 | 1,369,079.90 | |||||
| Bienes recibidos en recuperacion de creditos, neto | 0.00 | 54,097.10 | 2,640.30 | 4,675.40 | 407.00 | 6,608.40 | 9,413.70 | 24,913.40 | 0.00 | 551.40 | 103,306.70 | |||||
| Invesiones permanentes en acciones | 42,574.70 | 109,977.10 | 26,052.10 | 25,738.00 | 22,414.50 | 0.00 | 0.00 | 5,472.70 | 0.00 | 0.00 | 232,229.10 | |||||
| Otros activos | 67,155.90 | 231,697.70 | 71,557.10 | 128,399.20 | 68,101.50 | 52,167.90 | 3,823.50 | 75,085.00 | 19,255.60 | 17,942.40 | 735,185.80 | |||||
| Pasivo | 17,272,021.60 | 13,813,751.50 | 10,684,392.20 | 6,886,736.10 | 4,669,046.70 | 2,568,283.80 | 373,533.40 | 2,858,634.60 | 682,682.50 | 464,222.90 | 60,273,305.20 | |||||
| Obligaciones con el Público | 15,003,193.90 | 11,396,314.50 | 9,558,106.80 | 5,590,237.10 | 3,828,843.00 | 1,153,148.50 | 115,027.90 | 559,526.20 | 154,081.10 | 0.00 | 47,358,479.00 | |||||
| Moneda Nacional | 6,007,587.20 | 4,398,957.90 | 2,770,978.30 | 1,672,411.70 | 806,074.90 | 294,706.50 | 0.00 | 171,847.50 | 3,632.00 | 0.00 | 16,126,195.90 | |||||
| Depositos a la Vista | 1,919,242.00 | 1,267,151.10 | 1,803,841.70 | 318,990.20 | 220,746.50 | 38,677.10 | 0.00 | 0.00 | 2,697.20 | 0.00 | 5,571,345.80 | |||||
| Depositos de Ahorro | 1,369,479.80 | 1,431,070.30 | 499,453.20 | 829,232.80 | 411,515.90 | 69,398.80 | 0.00 | 83,588.00 | 760.60 | 0.00 | 4,694,499.50 | |||||
| Depositos a Plazo | 1,975,361.40 | 1,695,533.70 | 467,683.40 | 524,188.70 | 173,812.50 | 186,630.60 | 0.00 | 88,259.50 | 174.20 | 0.00 | 5,111,644.00 | |||||
| Otros Depósitos del Público | 743,503.90 | 5,202.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 748,706.70 | |||||
| Moneda Extranjera | 8,678,497.70 | 6,800,513.40 | 6,596,310.40 | 3,810,887.70 | 2,953,284.40 | 834,389.90 | 114,193.30 | 381,703.20 | 147,932.10 | 0.00 | 30,317,712.20 | |||||
| Depositos a la Vista | 1,599,701.20 | 1,555,798.90 | 2,235,798.60 | 362,406.70 | 505,406.20 | 62,160.60 | 0.00 | 0.00 | 54,880.60 | 0.00 | 6,376,152.80 | |||||
| Depositos de Ahorro | 3,212,590.80 | 3,362,618.40 | 2,470,478.00 | 2,208,151.60 | 1,600,157.00 | 329,280.60 | 11,631.20 | 173,699.10 | 35,255.40 | 0.00 | 13,403,862.20 | |||||
| Depositos a Plazo | 3,190,926.00 | 1,867,324.60 | 1,890,033.80 | 1,240,329.50 | 847,721.10 | 442,948.70 | 102,562.10 | 208,004.10 | 57,796.10 | 0.00 | 9,847,646.10 | |||||
| Otros Depósitos del Público | 675,279.60 | 14,771.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 690,051.20 | |||||
| Otras obligaciones | 246,364.30 | 157,848.80 | 147,703.30 | 74,194.20 | 50,367.10 | 18,266.20 | 0.00 | 320.80 | 1,332.20 | 0.00 | 696,396.80 | |||||
| Cargos financieros por pagar sobre obligaciones con el Público | 70,744.80 | 38,994.40 | 43,114.70 | 32,743.50 | 19,116.70 | 5,785.90 | 834.60 | 5,654.80 | 1,184.70 | 0.00 | 218,174.10 | |||||
| Obligaciones con Instituciones financieras y por otros financiamientos | 1,884,055.40 | 1,836,448.60 | 788,370.00 | 1,010,901.30 | 427,492.70 | 1,263,421.30 | 251,690.50 | 2,121,953.80 | 515,090.30 | 433,381.00 | 10,532,804.90 | |||||
| Préstamos de la Financiera Nicaraguense de Inversiones | 459,375.30 | 419,147.80 | 301,636.20 | 277,058.50 | 101,310.90 | 229,626.20 | 29,532.10 | 236,849.70 | 0.00 | 0.00 | 2,054,536.60 | |||||
| Préstamos del Banco Centroaméricano de Integración Económica | 646,143.50 | 468,463.70 | 0.00 | 428,026.10 | 0.00 | 267,634.30 | 0.00 | 0.00 | 0.00 | 108,938.10 | 1,919,205.70 | |||||
| Préstamos de Otras Instituciones Financieras del Exterior | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 512,492.40 | 0.00 | 1,150,824.50 | 0.00 | 0.00 | 1,663,316.90 | |||||
| Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 778,536.50 | 948,837.20 | 486,733.90 | 305,816.70 | 326,181.80 | 253,668.40 | 222,158.40 | 734,279.60 | 515,090.30 | 324,442.80 | 4,895,745.70 | |||||
| Obligaciones con el Banco Central de Nicaragua | 86,867.10 | 91,572.10 | 0.00 | 100,590.50 | 69,966.10 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 348,995.80 | |||||
| Operaciones con valores y derivados | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Otras cuentas por pagar | 82,438.30 | 167,221.10 | 201,632.00 | 12,037.90 | 41,876.60 | 63,396.70 | 3,418.40 | 45,614.60 | 8,063.90 | 17,243.80 | 642,943.30 | |||||
| Otros pasivos y provisiones | 119,627.70 | 223,272.00 | 136,283.30 | 38,908.70 | 300,868.30 | 30,427.90 | 2,759.60 | 26,578.40 | 5,447.30 | 13,598.10 | 897,771.30 | |||||
| Obligaciones subordinadas | 95,839.20 | 98,923.10 | 0.00 | 134,060.70 | 0.00 | 57,889.40 | 0.00 | 104,961.60 | 0.00 | 0.00 | 491,674.00 | |||||
| Impuestos diferidos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 636.90 | 0.00 | 0.00 | 0.00 | 636.90 | |||||
| Reservas para obligaciones laborales al retiro | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Patrimonio | 1,560,163.10 | 1,255,746.00 | 1,279,231.50 | 721,182.70 | 531,210.50 | 300,441.00 | 68,459.00 | 286,122.10 | 281,995.50 | 183,955.80 | 6,468,507.30 | |||||
| Capital social pagado | 632,600.00 | 612,400.00 | 505,000.00 | 400,000.00 | 200,000.00 | 223,998.00 | 50,000.00 | 180,000.00 | 276,880.00 | 155,520.00 | 3,236,398.00 | |||||
| Capital donado | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Aportes patrimoniales no capitalizables | 0.00 | 0.60 | 0.00 | 0.00 | 0.00 | 0.20 | 0.00 | 120.40 | 0.00 | 2,054.40 | 2,175.60 | |||||
| Obligaciones convertibles en capital | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
| Ajustes al patrimonio | 0.00 | 20,528.50 | 800.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 21,328.50 | |||||
| Reservas patrimoniales | 227,177.00 | 191,457.60 | 226,227.90 | 109,594.80 | 125,092.00 | 19,699.90 | 6,232.30 | 32,915.10 | 3,349.50 | 3,553.60 | 945,299.70 | |||||
| Resultados acumulados de ejercicios anteriores | 664,058.50 | 420,451.50 | 524,451.00 | 208,015.50 | 195,280.50 | 51,519.80 | 14,802.50 | 67,854.60 | 3,036.70 | 20,137.20 | 2,169,607.80 | |||||
| Resultados del Periodo | 36,327.60 | 10,907.80 | 22,752.70 | 3,572.50 | 10,838.00 | 5,223.10 | -2,575.70 | 5,232.00 | -1,270.80 | 2,690.60 | 93,697.80 | |||||
| Cuentas contingentes | 4,907,671.10 | 2,119,141.60 | 3,790,130.50 | 292,660.90 | 3,468,703.80 | 2,954.80 | 6,192.70 | 38,549.70 | 3,571.40 | 0.00 | 14,629,576.60 | |||||
| Cuentas de orden | 20,289,071.90 | 17,953,673.40 | 3,145,294.60 | 8,724,562.40 | 2,714,567.70 | 7,285,592.10 | 1,287,995.90 | 6,574,354.40 | 2,202,054.20 | 1,429,763.20 | 71,606,929.90 | |||||
| La informacion de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A ENE 31/08 C$ 18.9812 X US$ 1.00 | ||||||||||||||||