TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERPECTIVA)
Balance de Situación (Condensado)
Al 30 de Abril de 2008
(Expresado en miles de Córdobas)
Descripción						BANPRO	BANCENTRO	BAC	BDF	B.UNO	PROCREDIT	FINARCA	FINDESA	HSBC	FAMA	Sistema Bancario y Financieras
Activo						19,432,606.20	15,861,184.70	13,215,435.20	8,614,559.40	5,375,091.40	3,155,591.10	420,623.80	3,471,811.00	1,111,115.60	732,362.90	71,390,381.30
Disponibilidades						4,350,574.80	3,373,709.60	3,800,913.10	2,577,510.70	1,682,621.70	433,733.40	48,706.30	544,538.50	142,867.50	31,594.60	16,986,770.30
Moneda Nacional						1,729,567.10	1,396,270.80	1,343,804.10	570,922.40	363,635.60	108,903.00	807.40	186,110.20	3,664.70	9,041.20	5,712,726.40
Caja						395,950.90	276,938.80	336,569.90	51,357.20	60,259.10	31,644.90	125.50	73,644.80	1,381.30	4,009.40	1,231,881.80
Banco Central de Nicaragua						225,411.90	185,918.50	371,138.40	96,747.40	121,451.20	13,870.50	0.00	54,373.90	438.60	23.10	1,069,373.60
Depositos e Instituciones Financieras del Pais						101.00	0.00	0.00	50,711.90	0.00	791.20	674.60	46,094.80	1,019.50	5,008.80	104,401.80
Otras disponibilidades						1,108,103.20	933,413.40	636,095.80	372,105.90	181,925.30	62,596.30	7.30	11,996.70	825.20	0.00	3,307,069.20
Moneda Extranjera						2,621,007.80	1,977,438.80	2,457,109.10	2,006,588.30	1,318,986.10	324,830.40	47,898.90	358,428.30	139,202.90	22,553.40	11,274,044.00
Caja						237,342.10	137,967.10	253,908.70	56,255.70	106,602.60	55,302.20	1,142.10	57,613.60	4,845.50	1,627.90	912,607.60
Banco Central de Nicaragua						126,796.20	46,006.10	52,868.60	0.00	24,522.50	89,987.80	0.00	54,865.20	38,555.50	22.40	433,624.40
Depositos e Instituciones Financieras del Pais						0.00	0.00	0.00	10,341.00	0.00	738.90	27,525.70	74,876.80	6,242.80	20,903.10	140,628.40
Depositos en Instituciones Financieras del exterior						743,400.50	487,142.30	840,686.80	1,145,594.70	637,578.20	26,094.00	1,325.00	153,924.00	49,909.40	0.00	4,085,654.90
Otras disponibilidades						1,513,468.90	1,306,323.30	1,309,645.00	794,396.80	550,282.70	152,707.50	17,906.10	17,148.80	39,649.60	0.00	5,701,528.70
Inversiones en valores, neto						4,551,337.90	2,538,408.00	94,802.30	1,100,646.80	38,177.50	0.00	3,776.10	99,258.60	0.00	0.00	8,426,407.10
Inversiones al Valor Razonable con Cambios en Resultados						68,167.10	0.00	0.00	18,316.20	38,177.50	0.00	0.00	0.00	0.00	0.00	124,660.80
Inversiones Disponibles para la Venta						0.00	1,708,200.70	94,802.30	57,545.10	0.00	0.00	3,776.10	0.00	0.00	0.00	1,864,324.10
Inversiones Mantenidas Hasta el Vencimiento						4,483,170.80	830,207.30	0.00	1,024,785.50	0.00	0.00	0.00	99,258.60	0.00	0.00	6,437,422.20
Operaciones con Valores y Derivados						0.00	0.00	0.00	19,133.50	0.00	0.00	0.00	0.00	0.00	0.00	19,133.50
Cartera de Creditos, neta						9,862,504.50	9,088,585.90	8,820,465.00	4,606,996.60	3,445,805.00	2,530,525.60	342,657.50	2,665,422.00	942,349.90	652,291.30	42,957,603.20
Créditos vigentes						9,393,758.60	8,448,348.20	8,809,929.50	4,504,859.90	3,300,220.50	2,522,269.80	334,644.70	2,599,693.10	941,024.90	667,906.20	41,522,655.40
Créditos prorrogados						27,363.10	195,372.00	3,985.70	0.00	0.00	0.00	230.90	9,073.90	0.00	0.00	236,025.70
Créditos reestructurados						366,668.80	273,865.50	63,859.10	33,709.10	177,689.70	2,409.30	595.20	5,149.90	0.00	0.00	923,946.60
Créditos vencidos						156,281.30	152,347.50	130,168.60	146,790.70	115,839.10	15,054.00	18,005.00	41,816.40	0.00	16,954.20	793,256.70
Créditos en cobro judicial						169,634.60	66,413.70	117,531.00	17,185.90	41,311.70	20,723.10	5,229.90	14,560.90	0.00	210.30	452,801.20
Intereses y Comisiones por Cobrar sobre Creditos						165,967.40	238,449.70	57,835.50	85,652.40	10,193.20	85,292.40	3,629.10	97,278.60	10,858.70	11,984.50	767,141.40
Provisiones por incobrabilidad de cartera de creditos						-417,169.30	-286,210.80	-362,844.30	-181,201.50	-199,449.10	-115,223.10	-19,677.20	-102,150.80	-9,533.70	-44,763.90	-1,738,223.80
Otras cuentas por cobrar, neto						45,751.10	291,617.70	60,259.00	28,435.90	32,926.50	19,553.90	1,948.00	18,110.30	1,250.10	1,644.20	501,496.90
Bienes de uso, neto						504,231.20	198,995.00	366,808.40	102,642.60	67,213.40	113,974.50	10,589.90	44,675.90	8,330.80	28,271.90	1,445,733.70
Bienes recibidos en recuperacion de creditos, neto						1,332.90	54,083.10	1,868.50	6,639.70	1,078.30	6,755.30	9,543.30	25,282.10	0.00	795.50	107,378.60
Invesiones permanentes en acciones						42,574.70	136,430.00	26,465.10	34,369.90	22,414.50	0.00	0.00	5,472.70	0.00	0.00	267,726.90
Otros activos						74,299.00	179,355.40	43,853.60	138,183.70	84,854.60	51,048.40	3,402.70	69,051.00	16,317.20	17,765.40	678,131.10
Pasivo						17,779,149.10	14,483,648.60	11,858,634.60	7,871,890.40	4,797,985.40	2,877,810.70	357,446.50	3,154,754.40	831,845.80	543,345.40	64,556,510.80
Obligaciones con el Público						15,093,589.80	11,996,138.70	10,672,784.50	6,618,004.90	4,135,061.20	1,394,516.00	48,063.80	748,802.00	278,308.20	0.00	50,985,269.20
Moneda Nacional						5,766,176.10	4,252,830.80	3,183,202.00	1,627,100.80	959,363.70	372,423.70	0.00	324,360.50	3,885.80	0.00	16,489,343.40
Depositos a la Vista						1,738,004.90	1,598,579.90	2,108,251.50	657,906.70	307,274.50	48,664.40	0.00	0.00	3,018.70	0.00	6,461,700.60
Depositos de Ahorro						1,733,422.50	1,509,482.80	545,225.60	707,678.60	492,818.20	81,684.60	0.00	96,626.30	686.50	0.00	5,167,625.10
Depositos a Plazo						1,561,027.20	1,141,362.40	529,724.90	261,515.50	159,271.00	242,074.60	0.00	227,734.20	180.60	0.00	4,122,890.40
Otros Depósitos del Público						733,721.50	3,405.70	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	737,127.20
Moneda Extranjera						9,002,244.50	7,377,787.90	7,366,917.20	4,801,906.70	3,100,838.60	989,715.50	47,236.40	418,071.80	270,504.30	0.00	33,375,222.70
Depositos a la Vista						1,625,264.70	1,735,622.10	2,489,334.00	1,496,545.20	547,301.00	68,370.70	0.00	0.00	53,177.40	0.00	8,015,615.20
Depositos de Ahorro						3,627,740.90	3,688,498.50	2,775,673.90	2,097,033.90	1,606,334.90	370,592.70	6,684.20	199,660.90	37,713.90	0.00	14,409,933.90
Depositos a Plazo						3,344,575.00	1,949,766.90	2,101,909.20	1,208,327.60	947,202.60	550,752.00	40,552.30	218,410.80	179,612.90	0.00	10,541,109.30
Otros Depósitos del Público						404,663.90	3,900.40	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	408,564.30
Otras obligaciones						255,464.20	324,836.40	77,376.60	159,510.10	56,736.00	25,928.40	58.40	593.30	1,685.70	0.00	902,189.10
Cargos financieros por pagar sobre obligaciones con el Público						69,704.90	40,683.70	45,288.80	29,487.30	18,122.90	6,448.40	769.10	5,776.50	2,232.40	0.00	218,514.00
Obligaciones con Instituciones financieras y por otros financiamientos						2,217,625.80	1,905,571.70	862,171.90	966,322.00	424,419.90	1,306,748.20	304,152.70	2,236,569.00	539,632.90	517,751.10	11,280,965.30
Préstamos de la Financiera Nicaraguense de Inversiones						381,476.00	423,588.10	275,267.60	253,419.70	97,570.70	180,323.60	42,750.60	214,131.20	0.00	0.00	1,868,527.60
Préstamos del Banco Centroaméricano de Integración Económica						701,402.60	627,987.90	436,111.00	418,352.30	162,951.40	264,621.30	43,177.40	180,144.90	0.00	110,997.50	2,945,746.20
Préstamos de Otras Instituciones Financieras del Exterior						0.00	0.00	0.00	0.00	0.00	596,479.80	0.00	956,536.10	0.00	0.00	1,553,015.90
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.						1,134,747.30	853,995.80	150,793.30	294,549.90	163,897.80	265,323.50	218,224.70	885,756.80	539,632.90	406,753.70	4,913,675.70
Obligaciones con el Banco Central de Nicaragua						132,441.30	119,290.80	0.00	86,835.00	19,354.40	0.00	0.00	0.00	0.00	0.00	357,921.60
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						82,494.70	102,137.50	161,452.30	12,656.20	43,563.20	71,523.50	2,081.40	23,443.80	6,019.90	9,954.00	515,326.40
Otros pasivos y provisiones						156,268.10	262,894.30	162,225.90	52,221.10	175,586.60	44,778.40	2,511.60	40,702.00	7,884.90	15,640.30	920,713.20
Obligaciones subordinadas						96,729.30	97,615.40	0.00	135,851.20	0.00	60,244.50	0.00	105,237.70	0.00	0.00	495,678.20
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						1,653,457.10	1,377,536.10	1,356,800.60	742,669.00	577,106.00	277,780.40	63,177.30	317,056.60	279,269.80	189,017.50	6,833,870.50
Capital social pagado						632,600.00	612,400.00	505,000.00	400,000.00	200,000.00	223,998.00	50,000.00	200,330.00	276,880.00	155,520.00	3,256,728.00
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	9,002.20	0.00	3,562.20	0.00	2,741.90	15,306.90
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	27,427.90	6,033.00	33,010.30	3,349.50	3,607.30	1,100,995.80
Resultados acumulados de ejercicios anteriores						605,691.10	405,606.40	482,170.40	208,015.50	195,280.50	0.00	13,672.90	58,213.50	3,036.70	19,753.90	1,991,440.90
Resultados del Periodo						129,621.60	100,172.60	100,321.80	25,058.70	56,733.50	17,352.30	-6,528.50	21,940.70	-3,996.50	7,394.40	448,070.40
Cuentas contingentes						7,390,459.90	2,152,843.00	3,883,084.10	288,758.90	3,360,256.20	483.40	8,823.10	38,984.20	12,713.20	0.00	17,136,406.10
Cuentas de orden						21,719,556.40	17,373,439.60	3,303,176.30	9,533,267.60	2,693,623.30	7,312,646.90	1,273,565.00	7,688,067.10	2,578,947.10	1,565,324.30	75,041,613.60
La información de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO A ABRIL 30/08 C$ 19.2103 X US$ 1.00