| TOTAL SISTEMA FINANCIERO Y BANCARIO (EN PERPECTIVA) | ||||||||||||||||
| Balance de Situación (Condensado) | ||||||||||||||||
| Al 30 de Junio de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | FINARCA | FINDESA | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Activo | 19,149,506.10 | 15,772,442.20 | 13,492,297.80 | 8,466,261.10 | 5,457,482.30 | 3,302,410.00 | 399,908.40 | 3,570,985.80 | 1,108,023.70 | 789,989.80 | 71,509,307.10 | |||||
| Disponibilidades | 4,094,178.70 | 3,034,465.60 | 3,678,715.40 | 2,217,595.70 | 1,794,128.80 | 386,008.70 | 25,496.10 | 631,761.70 | 125,670.80 | 34,925.40 | 16,022,946.80 | |||||
| Moneda Nacional | 1,813,743.80 | 1,022,305.40 | 937,263.10 | 393,752.30 | 361,567.80 | 117,198.40 | 673.50 | 201,017.00 | 14,637.30 | 22,691.10 | 4,884,849.60 | |||||
| Caja | 451,720.00 | 261,376.70 | 313,958.00 | 48,660.60 | 49,150.10 | 35,359.40 | 146.20 | 95,197.10 | 2,620.10 | 5,202.30 | 1,263,390.50 | |||||
| Banco Central de Nicaragua | 297,647.90 | 0.00 | 0.00 | 9,827.60 | 111,894.20 | 14,897.20 | 0.00 | 54,403.90 | 1,008.50 | 23.10 | 489,702.30 | |||||
| Depositos e Instituciones Financieras del Pais | 101.00 | 0.00 | 0.00 | 51,253.10 | 686.80 | 473.30 | 519.90 | 35,527.80 | 9,167.80 | 17,465.70 | 115,195.50 | |||||
| Otras disponibilidades | 1,064,275.00 | 760,928.80 | 623,305.10 | 284,011.00 | 199,836.60 | 66,468.50 | 7.30 | 15,888.20 | 1,841.00 | 0.00 | 3,016,561.30 | |||||
| Moneda Extranjera | 2,280,434.90 | 2,012,160.10 | 2,741,452.40 | 1,823,843.40 | 1,432,561.00 | 268,810.30 | 24,822.60 | 430,744.70 | 111,033.50 | 12,234.30 | 11,138,097.20 | |||||
| Caja | 232,826.10 | 187,610.40 | 229,577.20 | 53,109.70 | 107,482.30 | 50,901.10 | 967.00 | 79,085.90 | 5,647.70 | 1,477.90 | 948,685.20 | |||||
| Banco Central de Nicaragua | 111,873.50 | 0.00 | 295,908.10 | 0.00 | 60,881.80 | 37,518.60 | 0.00 | 101,288.20 | 14,083.00 | 311.40 | 621,864.50 | |||||
| Depositos e Instituciones Financieras del Pais | 0.00 | 0.00 | 0.00 | 13,919.10 | 0.00 | 2,491.80 | 13,777.60 | 48,843.50 | 11,925.40 | 10,445.00 | 101,402.50 | |||||
| Depositos en Instituciones Financieras del exterior | 420,057.40 | 535,480.00 | 834,217.40 | 984,469.50 | 743,029.80 | 14,190.20 | 1,807.10 | 175,592.80 | 28,311.80 | 0.00 | 3,737,155.90 | |||||
| Otras disponibilidades | 1,515,677.90 | 1,289,069.70 | 1,381,749.80 | 772,345.10 | 521,167.10 | 163,708.60 | 8,270.90 | 25,934.40 | 51,065.70 | 0.00 | 5,728,989.10 | |||||
| Inversiones en valores, neto | 4,594,267.00 | 2,647,055.30 | 51,377.40 | 1,209,802.50 | 57,565.80 | 0.00 | 3,776.10 | 28,382.20 | 0.00 | 0.00 | 8,592,226.30 | |||||
| Inversiones al Valor Razonable con Cambios en Resultados | 0.00 | 0.00 | 0.00 | 17,560.20 | 57,565.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 75,126.00 | |||||
| Inversiones Disponibles para la Venta | 70,909.50 | 1,785,495.90 | 51,377.40 | 137,947.20 | 0.00 | 0.00 | 3,776.10 | 0.00 | 0.00 | 0.00 | 2,049,506.10 | |||||
| Inversiones Mantenidas Hasta el Vencimiento | 4,523,357.50 | 861,559.50 | 0.00 | 1,054,295.00 | 0.00 | 0.00 | 0.00 | 28,382.20 | 0.00 | 0.00 | 6,467,594.20 | |||||
| Operaciones con Valores y Derivados | 0.00 | 0.00 | 0.00 | 19,525.70 | 17,474.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 37,000.00 | |||||
| Cartera de Creditos, neta | 9,730,699.10 | 9,310,243.90 | 9,251,434.50 | 4,699,010.40 | 3,437,273.80 | 2,655,968.50 | 347,848.30 | 2,747,405.30 | 956,029.70 | 704,040.80 | 43,839,954.20 | |||||
| Créditos vigentes | 9,249,680.10 | 8,706,443.80 | 9,247,428.40 | 4,551,318.00 | 3,285,547.90 | 2,639,720.70 | 339,216.80 | 2,583,849.80 | 956,630.40 | 718,315.00 | 42,278,150.80 | |||||
| Créditos prorrogados | 30,465.20 | 185,563.40 | 3,032.20 | 0.00 | 0.00 | 0.00 | 31.10 | 103,301.00 | 0.00 | 0.00 | 322,392.90 | |||||
| Créditos reestructurados | 369,580.30 | 269,299.20 | 63,651.90 | 97,163.90 | 193,904.20 | 2,563.60 | 256.20 | 3,030.60 | 0.00 | 0.00 | 999,450.00 | |||||
| Créditos vencidos | 192,941.70 | 109,139.50 | 142,371.00 | 137,770.20 | 155,189.10 | 22,068.70 | 20,088.60 | 46,078.60 | 0.00 | 23,018.10 | 848,665.50 | |||||
| Créditos en cobro judicial | 150,001.00 | 57,212.40 | 124,790.30 | 18,749.00 | 31,702.10 | 20,432.00 | 5,156.50 | 22,900.90 | 0.00 | 593.60 | 431,537.80 | |||||
| Intereses y Comisiones por Cobrar sobre Creditos | 138,978.90 | 235,717.90 | 51,813.90 | 78,838.30 | 9,318.30 | 92,393.70 | 3,388.00 | 101,918.70 | 9,130.40 | 13,386.30 | 734,884.40 | |||||
| Provisiones por incobrabilidad de cartera de creditos | -400,948.10 | -253,132.30 | -381,653.30 | -184,829.00 | -238,387.90 | -121,210.20 | -20,289.00 | -113,674.20 | -9,731.10 | -51,272.30 | -1,775,127.30 | |||||
| Otras cuentas por cobrar, neto | 59,963.10 | 212,640.30 | 65,661.30 | 29,515.60 | 34,924.70 | 25,006.30 | 1,133.90 | 17,057.40 | 1,264.00 | 2,378.40 | 449,545.00 | |||||
| Bienes de uso, neto | 558,617.10 | 195,696.90 | 366,061.70 | 104,509.30 | 65,277.50 | 179,034.00 | 10,319.30 | 44,949.70 | 8,200.70 | 13,829.50 | 1,546,495.80 | |||||
| Bienes recibidos en recuperacion de creditos, neto | 533.40 | 38,169.10 | 250.30 | 6,532.20 | 1,020.90 | 7,386.30 | 8,553.10 | 27,098.70 | 0.00 | 833.70 | 90,378.00 | |||||
| Invesiones permanentes en acciones | 43,009.20 | 136,430.00 | 27,021.40 | 33,812.00 | 22,414.50 | 0.00 | 0.00 | 5,472.70 | 0.00 | 0.00 | 268,159.80 | |||||
| Otros activos | 68,238.50 | 197,741.00 | 51,775.70 | 145,957.60 | 27,402.20 | 49,006.00 | 2,781.60 | 68,858.10 | 16,858.60 | 33,982.00 | 662,601.30 | |||||
| Pasivo | 17,508,743.90 | 14,328,166.20 | 12,105,624.80 | 7,765,261.10 | 4,848,798.20 | 3,013,597.20 | 340,326.80 | 3,239,567.10 | 829,748.80 | 597,362.20 | 64,577,196.30 | |||||
| Obligaciones con el Público | 14,887,153.80 | 11,756,996.30 | 10,847,853.40 | 6,577,094.50 | 4,202,585.60 | 1,432,960.60 | 44,475.50 | 722,530.60 | 320,561.80 | 0.00 | 50,792,212.00 | |||||
| Moneda Nacional | 5,646,577.30 | 4,026,202.20 | 2,924,462.10 | 1,551,643.40 | 1,027,896.70 | 399,497.40 | 0.00 | 323,569.30 | 10,989.20 | 0.00 | 15,910,837.70 | |||||
| Depositos a la Vista | 1,688,062.90 | 1,407,521.80 | 1,736,916.50 | 326,855.80 | 310,677.80 | 50,917.50 | 0.00 | 0.00 | 3,000.80 | 0.00 | 5,523,953.10 | |||||
| Depositos de Ahorro | 1,595,783.30 | 1,400,817.20 | 694,719.20 | 971,432.50 | 531,887.40 | 80,224.20 | 0.00 | 93,308.80 | 745.90 | 0.00 | 5,368,918.50 | |||||
| Depositos a Plazo | 1,720,484.20 | 1,217,762.30 | 492,826.40 | 253,355.20 | 185,331.40 | 268,355.80 | 0.00 | 230,260.50 | 7,242.50 | 0.00 | 4,375,618.30 | |||||
| Otros Depósitos del Público | 642,246.80 | 100.90 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 642,347.70 | |||||
| Moneda Extranjera | 8,960,928.40 | 7,556,976.10 | 7,793,558.60 | 4,929,691.80 | 3,118,363.90 | 1,011,355.00 | 43,504.40 | 392,504.00 | 304,580.00 | 0.00 | 34,111,462.10 | |||||
| Depositos a la Vista | 1,601,274.30 | 1,864,128.50 | 2,650,675.40 | 921,309.00 | 488,112.00 | 67,072.20 | 0.00 | 0.00 | 59,976.00 | 0.00 | 7,652,547.40 | |||||
| Depositos de Ahorro | 3,732,017.60 | 3,608,385.60 | 2,904,004.40 | 2,757,984.30 | 1,599,426.60 | 384,739.10 | 7,907.00 | 192,324.70 | 52,690.70 | 0.00 | 15,239,480.00 | |||||
| Depositos a Plazo | 3,245,552.80 | 2,080,473.80 | 2,238,878.80 | 1,250,398.40 | 1,030,825.30 | 559,543.70 | 35,597.40 | 200,179.30 | 191,913.30 | 0.00 | 10,833,362.80 | |||||
| Otros Depósitos del Público | 382,083.70 | 3,988.30 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 386,071.90 | |||||
| Otras obligaciones | 207,199.20 | 131,188.60 | 80,228.70 | 62,449.80 | 34,179.90 | 14,618.30 | 0.00 | 538.70 | 2,212.50 | 0.00 | 532,615.80 | |||||
| Cargos financieros por pagar sobre obligaciones con el Público | 72,448.90 | 42,629.40 | 49,604.00 | 33,309.50 | 22,145.00 | 7,489.90 | 971.10 | 5,918.60 | 2,780.00 | 0.00 | 237,296.40 | |||||
| Obligaciones con Instituciones financieras y por otros financiamientos | 2,124,363.00 | 1,962,853.60 | 877,184.40 | 879,274.20 | 413,967.40 | 1,395,272.70 | 290,088.40 | 2,336,395.50 | 491,433.20 | 572,562.80 | 11,343,395.20 | |||||
| Préstamos de la Financiera Nicaraguense de Inversiones | 279,853.20 | 441,970.60 | 266,416.30 | 190,509.80 | 91,083.40 | 205,261.60 | 13,766.40 | 244,466.40 | 0.00 | 0.00 | 1,733,327.60 | |||||
| Préstamos del Banco Centroaméricano de Integración Económica | 673,659.10 | 618,540.60 | 423,936.50 | 413,586.60 | 159,201.70 | 336,505.10 | 40,129.30 | 214,189.30 | 0.00 | 112,740.60 | 2,992,488.70 | |||||
| Préstamos de Otras Instituciones Financieras del Exterior | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 634,275.80 | 0.00 | 955,471.60 | 0.00 | 0.00 | 1,589,747.40 | |||||
| Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 1,170,850.80 | 902,342.50 | 186,831.60 | 275,177.80 | 163,682.30 | 219,230.20 | 236,192.80 | 922,268.30 | 491,433.20 | 459,822.20 | 5,027,831.60 | |||||
| Obligaciones con el Banco Central de Nicaragua | 115,785.60 | 98,850.80 | 0.00 | 105,430.00 | 19,623.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 339,690.10 | |||||
| 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 | 111,143.20 | 123,876.40 | 201,452.90 | 11,184.90 | 54,267.10 | 31,090.00 | 1,923.50 | 29,126.10 | 8,429.30 | 8,638.40 | 581,131.90 | |||||
| Otros pasivos y provisiones | 173,177.60 | 285,498.00 | 179,134.20 | 56,517.30 | 158,354.30 | 52,951.00 | 3,293.50 | 51,032.10 | 9,324.60 | 16,161.00 | 985,443.50 | |||||
| Obligaciones subordinadas | 97,120.70 | 100,091.10 | 0.00 | 135,760.30 | 0.00 | 101,322.90 | 0.00 | 100,482.70 | 0.00 | 0.00 | 534,777.70 | |||||
| Impuestos diferidos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 545.90 | 0.00 | 0.00 | 0.00 | 545.90 | |||||
| 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 | 1,640,762.20 | 1,444,276.00 | 1,386,673.00 | 701,000.00 | 608,684.00 | 288,812.80 | 59,581.60 | 331,418.70 | 278,274.90 | 192,627.60 | 6,932,110.80 | |||||
| Capital social pagado | 632,600.00 | 612,400.00 | 505,000.00 | 400,000.00 | 200,000.00 | 233,000.00 | 50,000.00 | 241,355.00 | 276,880.00 | 155,520.00 | 3,306,755.00 | |||||
| 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 | 98,000.00 | 0.60 | 50,000.00 | 0.00 | 0.00 | 0.20 | 0.00 | 3,859.50 | 0.00 | 2,741.90 | 154,602.30 | |||||
| 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 | 429,691.10 | 405,606.40 | 412,170.40 | 138,015.50 | 195,280.50 | 0.00 | 13,672.90 | 24,072.60 | 3,036.70 | 19,753.90 | 1,641,300.00 | |||||
| Resultados del Periodo | 194,926.70 | 166,912.40 | 150,194.20 | 53,389.70 | 88,311.50 | 28,384.70 | -10,124.30 | 29,121.20 | -4,991.40 | 11,004.50 | 707,129.20 | |||||
| Cuentas contingentes | 7,231,148.80 | 2,024,838.50 | 4,011,183.50 | 324,659.30 | 3,312,446.10 | 743.00 | 8,894.60 | 38,060.40 | 61,568.10 | 0.00 | 17,013,542.20 | |||||
| Cuentas de orden | 22,708,640.10 | 18,058,904.20 | 4,418,135.00 | 9,922,660.90 | 2,603,809.00 | 7,772,013.00 | 1,200,439.20 | 8,639,474.70 | 2,620,861.70 | 1,768,577.10 | 79,713,515.10 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A JUNIO 30/08 C$ 19.3672 X US$ 1.00 | ||||||||||||||||