| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERPECTIVA) | ||||||||||||||||
| Balance de Situación (Condensado) | ||||||||||||||||
| Al 31 de Marzo de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | FINARCA | FINDESA | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Activo | 19,614,969.90 | 15,734,278.90 | 12,820,568.30 | 8,017,051.40 | 5,126,938.40 | 3,095,987.00 | 440,444.80 | 3,436,697.30 | 1,048,235.00 | 705,499.80 | 70,040,671.00 | |||||
| Disponibilidades | 4,589,404.10 | 3,105,826.10 | 3,485,815.10 | 2,043,048.80 | 1,346,587.60 | 438,881.20 | 51,595.60 | 581,351.70 | 62,392.40 | 29,986.20 | 15,734,888.80 | |||||
| Moneda Nacional | 1,761,088.30 | 1,171,445.20 | 796,517.10 | 519,100.00 | 224,081.00 | 141,778.80 | 391.40 | 155,883.30 | 4,344.80 | 9,070.10 | 4,783,700.00 | |||||
| Caja | 431,178.50 | 281,809.60 | 327,658.50 | 67,937.20 | 53,723.90 | 39,648.40 | 140.00 | 69,751.00 | 2,464.30 | 4,074.10 | 1,278,385.70 | |||||
| Banco Central de Nicaragua | 266,753.90 | 0.00 | 447,444.80 | 421,401.90 | 151,646.20 | 99,945.70 | 7.30 | 41,681.00 | 572.90 | 23.10 | 1,429,476.80 | |||||
| Depositos e Instituciones Financieras del Pais | 101.00 | 0.00 | 0.00 | 492.90 | 0.00 | 1,192.30 | 244.10 | 35,779.30 | 660.00 | 4,972.90 | 43,442.40 | |||||
| Otras disponibilidades | 1,063,055.00 | 889,635.60 | 21,413.80 | 29,268.00 | 18,710.90 | 992.40 | 0.00 | 8,672.00 | 647.60 | 0.00 | 2,032,395.20 | |||||
| Moneda Extranjera | 2,828,315.80 | 1,934,381.00 | 2,689,298.00 | 1,523,948.80 | 1,122,506.60 | 297,102.40 | 51,204.10 | 425,468.40 | 58,047.60 | 20,916.10 | 10,951,188.70 | |||||
| Caja | 245,207.10 | 159,060.90 | 230,091.40 | 62,849.30 | 98,506.50 | 52,906.90 | 1,746.00 | 62,689.60 | 5,657.00 | 1,706.00 | 920,420.80 | |||||
| Banco Central de Nicaragua | 7,532.80 | 0.00 | 1,364,591.70 | 724,538.20 | 622,194.00 | 216,569.90 | 17,962.90 | 64,366.50 | 11,136.60 | 25.80 | 3,028,918.40 | |||||
| Depositos e Instituciones Financieras del Pais | 0.00 | 0.00 | 0.00 | 7,303.00 | 0.00 | 4,302.70 | 30,238.50 | 66,583.40 | 2,193.40 | 19,184.20 | 129,805.30 | |||||
| Depositos en Instituciones Financieras del exterior | 1,039,083.80 | 650,965.80 | 988,262.50 | 695,085.50 | 376,242.40 | 23,150.10 | 1,256.70 | 209,404.20 | 10,021.30 | 0.00 | 3,993,472.30 | |||||
| Otras disponibilidades | 1,536,492.00 | 1,124,354.20 | 106,352.30 | 34,172.80 | 25,563.60 | 172.80 | 0.00 | 22,424.80 | 29,039.30 | 0.00 | 2,878,571.90 | |||||
| Inversiones en valores, neto | 4,601,069.40 | 2,674,966.30 | 112,866.40 | 1,084,525.00 | 94,951.00 | 0.00 | 3,776.10 | 117,840.20 | 0.00 | 0.00 | 8,689,994.40 | |||||
| Inversiones al Valor Razonable con Cambios en Resultados | 67,377.00 | 0.00 | 0.00 | 16,877.80 | 94,951.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 179,205.80 | |||||
| Inversiones Disponibles para la Venta | 0.00 | 1,697,365.00 | 112,866.40 | 57,060.60 | 0.00 | 0.00 | 3,776.10 | 0.00 | 0.00 | 0.00 | 1,871,068.10 | |||||
| Inversiones Mantenidas Hasta el Vencimiento | 4,533,692.40 | 977,601.20 | 0.00 | 1,010,586.60 | 0.00 | 0.00 | 0.00 | 117,840.20 | 0.00 | 0.00 | 6,639,720.40 | |||||
| Operaciones con Valores y Derivados | 0.00 | 0.00 | 0.00 | 57,647.40 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 57,647.40 | |||||
| Cartera de Creditos, neta | 9,799,027.20 | 9,178,943.50 | 8,725,829.30 | 4,533,928.70 | 3,465,632.20 | 2,455,273.20 | 361,114.90 | 2,583,128.00 | 957,452.70 | 627,132.40 | 42,687,462.00 | |||||
| Créditos vigentes | 9,304,912.50 | 8,546,895.60 | 8,710,359.70 | 4,443,547.00 | 3,323,892.90 | 2,446,120.40 | 358,035.50 | 2,517,140.30 | 957,195.50 | 642,336.50 | 41,250,436.10 | |||||
| Créditos prorrogados | 33,281.70 | 188,845.20 | 4,543.90 | 0.00 | 0.00 | 0.00 | 467.30 | 8,987.90 | 0.00 | 0.00 | 236,126.00 | |||||
| Créditos reestructurados | 314,586.80 | 270,499.40 | 65,533.40 | 23,319.20 | 171,512.10 | 2,360.40 | 3,597.80 | 4,916.70 | 0.00 | 0.00 | 856,326.00 | |||||
| Créditos vencidos | 203,911.60 | 136,308.90 | 135,100.00 | 140,759.20 | 112,706.60 | 12,580.40 | 9,661.40 | 39,423.70 | 0.00 | 14,454.90 | 804,906.70 | |||||
| Créditos en cobro judicial | 154,513.90 | 64,087.50 | 113,207.80 | 15,546.00 | 42,076.70 | 20,393.60 | 3,121.40 | 12,743.90 | 405.70 | 215.90 | 426,312.50 | |||||
| Intereses y Comisiones por Cobrar sobre Creditos | 168,351.50 | 240,789.20 | 57,077.00 | 87,302.30 | 12,106.30 | 88,161.70 | 3,864.20 | 94,742.20 | 9,743.00 | 11,973.70 | 774,111.10 | |||||
| Provisiones por incobrabilidad de cartera de creditos | -380,530.80 | -268,482.40 | -359,992.50 | -176,545.00 | -196,662.50 | -114,343.40 | -17,632.80 | -94,826.80 | -9,891.60 | -41,848.60 | -1,660,756.30 | |||||
| Otras cuentas por cobrar, neto | 50,348.50 | 215,976.60 | 58,689.30 | 29,967.90 | 52,875.80 | 33,373.90 | 946.00 | 13,240.50 | 1,325.50 | 1,752.30 | 458,496.30 | |||||
| Bienes de uso, neto | 467,350.50 | 199,158.60 | 367,903.40 | 102,202.50 | 67,358.10 | 115,103.30 | 10,646.90 | 42,147.40 | 8,441.90 | 27,934.50 | 1,408,247.20 | |||||
| Bienes recibidos en recuperacion de creditos, neto | 3,374.30 | 51,747.00 | 2,477.10 | 6,715.30 | 1,078.30 | 6,591.50 | 9,782.40 | 25,226.40 | 0.00 | 715.40 | 107,707.60 | |||||
| Inversiones permanentes en acciones | 42,574.70 | 136,430.00 | 26,374.00 | 25,738.00 | 22,414.50 | 0.00 | 0.00 | 5,472.70 | 0.00 | 0.00 | 259,003.90 | |||||
| Otros activos | 61,821.20 | 171,230.80 | 40,613.70 | 133,277.70 | 76,041.10 | 46,763.80 | 2,583.00 | 68,290.50 | 18,622.50 | 17,979.00 | 637,223.40 | |||||
| Pasivo | 17,993,210.40 | 14,395,680.90 | 11,492,473.20 | 7,286,841.40 | 4,554,883.00 | 2,788,752.80 | 375,366.90 | 3,128,135.20 | 768,439.20 | 517,517.40 | 63,301,300.50 | |||||
| Obligaciones con el Público | 15,348,972.40 | 11,935,466.80 | 10,288,814.20 | 6,030,281.70 | 3,895,156.70 | 1,396,542.50 | 99,223.10 | 698,510.40 | 177,240.30 | 0.00 | 49,870,208.00 | |||||
| Moneda Nacional | 6,059,497.80 | 4,429,078.60 | 2,768,832.30 | 1,804,433.20 | 801,856.00 | 456,969.10 | 0.00 | 282,304.70 | 4,002.30 | 0.00 | 16,606,973.80 | |||||
| Depositos a la Vista | 1,790,912.60 | 1,436,735.50 | 1,764,952.70 | 349,541.00 | 254,669.90 | 47,494.70 | 0.00 | 0.00 | 3,229.70 | 0.00 | 5,647,536.10 | |||||
| Depositos de Ahorro | 1,565,411.20 | 1,475,872.90 | 537,445.00 | 1,195,193.00 | 411,952.30 | 80,126.30 | 0.00 | 97,117.40 | 592.70 | 0.00 | 5,363,710.80 | |||||
| Depositos a Plazo | 1,954,524.70 | 1,513,193.60 | 466,434.50 | 259,699.20 | 135,233.80 | 329,348.00 | 0.00 | 185,187.20 | 179.90 | 0.00 | 4,843,801.10 | |||||
| Otros Depósitos del Público | 748,649.30 | 3,276.50 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 751,925.80 | |||||
| Moneda Extranjera | 8,983,615.50 | 7,319,231.20 | 7,367,251.00 | 4,148,466.60 | 3,051,429.40 | 919,639.10 | 98,592.20 | 410,621.60 | 171,208.20 | 0.00 | 32,470,054.90 | |||||
| Depositos a la Vista | 1,610,965.50 | 1,755,181.70 | 2,722,331.30 | 360,704.00 | 493,960.60 | 67,382.60 | 0.00 | 0.00 | 54,541.00 | 0.00 | 7,065,066.70 | |||||
| Depositos de Ahorro | 3,583,537.20 | 3,515,152.70 | 2,671,834.00 | 2,598,741.60 | 1,624,414.80 | 357,511.00 | 6,665.50 | 196,201.50 | 38,695.20 | 0.00 | 14,592,753.50 | |||||
| Depositos a Plazo | 3,364,453.10 | 2,044,800.10 | 1,973,085.80 | 1,189,021.00 | 933,054.00 | 494,745.60 | 91,926.70 | 214,420.10 | 77,972.00 | 0.00 | 10,383,478.30 | |||||
| Otros Depósitos del Público | 424,659.70 | 4,096.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 428,756.40 | |||||
| Otras obligaciones | 232,492.90 | 145,486.60 | 110,989.10 | 49,724.10 | 22,795.50 | 13,280.20 | 0.00 | 556.60 | 142.80 | 0.00 | 575,468.10 | |||||
| Cargos financieros por pagar sobre obligaciones con el Público | 73,366.20 | 41,670.40 | 41,741.70 | 27,657.80 | 19,075.80 | 6,654.00 | 630.90 | 5,027.50 | 1,887.00 | 0.00 | 217,711.30 | |||||
| Obligaciones con Instituciones financieras y por otros financiamientos | 2,192,700.30 | 1,860,034.90 | 902,665.30 | 972,649.20 | 425,763.70 | 1,244,255.80 | 270,127.10 | 2,263,073.50 | 576,414.80 | 491,535.60 | 11,199,220.20 | |||||
| Préstamos de la Financiera Nicaraguense de Inversiones | 415,023.60 | 420,704.80 | 283,494.90 | 256,773.20 | 101,047.10 | 196,318.50 | 44,692.80 | 217,499.40 | 0.00 | 0.00 | 1,935,554.40 | |||||
| Préstamos del Banco Centroaméricano de Integración Económica | 711,443.50 | 642,605.00 | 434,372.00 | 423,380.90 | 163,065.90 | 239,649.00 | 0.00 | 189,906.90 | 0.00 | 110,717.90 | 2,915,141.00 | |||||
| Préstamos de Otras Instituciones Financieras del Exterior | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 541,483.70 | 0.00 | 1,111,106.50 | 0.00 | 0.00 | 1,652,590.20 | |||||
| Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 1,066,233.30 | 796,725.10 | 184,798.40 | 292,495.00 | 161,650.60 | 266,804.60 | 225,434.30 | 744,560.70 | 576,414.80 | 380,817.80 | 4,695,934.70 | |||||
| Obligaciones con el Banco Central de Nicaragua | 133,284.30 | 117,971.50 | 0.00 | 82,712.70 | 19,237.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 353,205.70 | |||||
| Operaciones con valores y derivados | 0.00 | 0.00 | 0.00 | 0.00 | 35,004.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 35,004.80 | |||||
| Otras cuentas por pagar | 77,413.30 | 85,812.70 | 145,160.30 | 11,209.10 | 45,022.90 | 47,903.20 | 2,103.00 | 23,882.70 | 7,880.70 | 9,860.40 | 456,248.30 | |||||
| Otros pasivos y provisiones | 145,024.40 | 295,046.20 | 155,833.50 | 55,709.50 | 134,697.80 | 40,597.00 | 3,276.70 | 38,683.40 | 6,903.40 | 16,121.30 | 891,893.10 | |||||
| Obligaciones subordinadas | 95,815.70 | 101,348.90 | 0.00 | 134,279.30 | 0.00 | 59,454.40 | 0.00 | 103,985.20 | 0.00 | 0.00 | 494,883.40 | |||||
| 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 | 1,621,759.40 | 1,338,598.00 | 1,328,095.10 | 730,210.00 | 572,055.40 | 307,234.20 | 65,077.90 | 308,562.10 | 279,795.90 | 187,982.40 | 6,739,370.50 | |||||
| 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 | 19,206.90 | 0.00 | 2,054.40 | 21,262.10 | |||||
| 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 | 285,544.40 | 238,828.10 | 268,508.40 | 109,594.80 | 125,092.00 | 19,699.90 | 6,033.00 | 33,010.30 | 3,349.50 | 3,553.60 | 1,093,214.10 | |||||
| Resultados acumulados de ejercicios anteriores | 605,691.10 | 405,606.40 | 482,170.40 | 208,015.50 | 195,280.50 | 51,519.80 | 13,672.90 | 58,213.50 | 3,036.70 | 20,137.20 | 2,043,344.00 | |||||
| Resultados del Periodo | 97,923.90 | 61,234.40 | 71,616.30 | 12,599.70 | 51,682.90 | 12,016.30 | -4,627.90 | 18,131.40 | -3,470.40 | 6,717.20 | 323,823.80 | |||||
| Cuentas contingentes | 7,069,760.10 | 2,054,150.10 | 3,727,268.90 | 291,991.60 | 3,399,900.20 | 482.20 | 6,074.50 | 39,828.10 | 3,488.00 | 0.00 | 16,592,943.70 | |||||
| Cuentas de orden | 20,975,085.70 | 17,972,916.80 | 3,388,038.70 | 9,108,583.80 | 2,683,956.00 | 8,034,128.70 | 1,269,305.90 | 7,199,140.90 | 2,575,399.20 | 1,553,785.20 | 74,760,341.00 | |||||
| La informacion de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A ENE 31/08 C$ 19.0548 X US$ 1.00 | ||||||||||||||||