| SISTEMA BANCARIO Y FINANCIERAS (EN PERPECTIVA) | ||||||||||||||||
| Balance de Situación (Condensado) | ||||||||||||||||
| Al 31 de Julio de 2008 | ||||||||||||||||
| (Expresado en miles de Córdobas) | ||||||||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | B.UNO | PROCREDIT | FINARCA | FINDESA | HSBC | FAMA | Sistema Bancario y Financieras | |||||
| Activo | 19,596,620.90 | 16,007,502.40 | 13,271,203.10 | 8,002,245.50 | 5,523,746.20 | 3,395,680.20 | 391,844.20 | 3,610,889.10 | 1,065,355.30 | 842,162.70 | 71,707,249.70 | |||||
| Disponibilidades | 4,046,966.80 | 3,587,406.20 | 2,921,176.10 | 1,729,613.40 | 1,784,704.70 | 410,177.50 | 31,676.30 | 721,892.10 | 128,408.30 | 57,120.70 | 15,419,142.30 | |||||
| Moneda Nacional | 2,034,803.20 | 1,400,400.20 | 769,433.30 | 504,848.00 | 418,582.60 | 109,804.30 | 596.80 | 218,031.10 | 18,783.30 | 20,111.50 | 5,495,394.40 | |||||
| Caja | 398,588.80 | 287,377.00 | 288,461.90 | 68,827.00 | 44,766.10 | 35,451.50 | 127.70 | 78,672.80 | 3,592.50 | 4,420.60 | 1,210,286.00 | |||||
| Banco Central de Nicaragua | 553,119.30 | 0.00 | 0.00 | 135,787.10 | 170,760.10 | 5,338.00 | 0.00 | 81,363.50 | 1,169.30 | 23.10 | 947,560.40 | |||||
| Depositos e Instituciones Financieras del Pais | 101.00 | 0.00 | 0.00 | 51,289.40 | 3,355.20 | 734.60 | 461.80 | 40,694.50 | 12,077.20 | 15,667.80 | 124,381.50 | |||||
| Otras disponibilidades | 1,082,994.00 | 1,113,023.20 | 480,971.40 | 248,944.40 | 199,701.20 | 68,280.30 | 7.30 | 17,300.30 | 1,944.30 | 0.00 | 3,213,166.50 | |||||
| Moneda Extranjera | 2,012,163.60 | 2,187,006.00 | 2,151,742.80 | 1,224,765.50 | 1,366,122.10 | 300,373.20 | 31,079.50 | 503,861.00 | 109,625.00 | 37,009.20 | 9,923,747.80 | |||||
| Caja | 198,316.10 | 169,374.20 | 250,391.40 | 63,536.30 | 98,357.50 | 51,598.10 | 1,310.30 | 83,487.00 | 5,833.80 | 1,741.60 | 923,946.20 | |||||
| Banco Central de Nicaragua | 10,174.10 | 0.00 | 269,814.60 | 40,638.10 | 137,901.30 | 48,384.20 | 0.00 | 120,914.50 | 9,045.20 | 312.70 | 637,184.50 | |||||
| Depositos e Instituciones Financieras del Pais | 0.00 | 0.00 | 0.00 | 2,115.60 | 0.00 | 3,063.80 | 20,722.10 | 51,188.90 | 17,804.50 | 34,955.00 | 129,849.90 | |||||
| Depositos en Instituciones Financieras del exterior | 275,664.50 | 683,675.30 | 227,687.50 | 310,581.10 | 589,816.40 | 30,581.50 | 775.50 | 215,412.70 | 27,322.50 | 0.00 | 2,361,517.00 | |||||
| Otras disponibilidades | 1,528,008.90 | 1,333,956.50 | 1,403,849.40 | 807,894.40 | 540,047.00 | 166,745.70 | 8,271.70 | 32,857.90 | 49,619.00 | 0.00 | 5,871,250.20 | |||||
| Inversiones en valores, neto | 4,645,899.00 | 2,269,193.00 | 240,992.30 | 1,200,924.90 | 132,184.70 | 0.00 | 0.00 | 8,288.90 | 0.00 | 0.00 | 8,497,482.80 | |||||
| Inversiones al Valor Razonable con Cambios en Resultados | 0.00 | 0.00 | 0.00 | 15,804.90 | 132,184.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 147,989.60 | |||||
| Inversiones Disponibles para la Venta | 71,712.30 | 1,487,464.60 | 240,992.30 | 115,502.70 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1,915,672.00 | |||||
| Inversiones Mantenidas Hasta el Vencimiento | 4,574,186.80 | 781,728.40 | 0.00 | 1,069,617.20 | 0.00 | 0.00 | 0.00 | 8,288.90 | 0.00 | 0.00 | 6,433,821.30 | |||||
| Operaciones con Valores y Derivados | 0.00 | 0.00 | 0.00 | 19,213.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 19,213.20 | |||||
| Cartera de Creditos, neta | 10,140,007.30 | 9,354,060.40 | 9,587,972.30 | 4,731,702.50 | 3,452,358.90 | 2,715,327.30 | 337,968.30 | 2,708,495.40 | 910,740.20 | 732,905.30 | 44,671,537.90 | |||||
| Créditos vigentes | 9,670,875.60 | 8,714,455.80 | 9,597,657.90 | 4,537,402.30 | 3,284,763.00 | 2,696,638.20 | 336,454.00 | 2,540,115.50 | 909,582.90 | 745,872.00 | 43,033,817.10 | |||||
| Créditos prorrogados | 31,749.40 | 267,932.70 | 693.60 | 0.00 | 0.00 | 0.00 | 307.80 | 103,969.90 | 0.00 | 0.00 | 404,653.40 | |||||
| Créditos reestructurados | 364,482.50 | 212,849.40 | 62,689.50 | 143,804.80 | 196,270.30 | 2,962.90 | 253.40 | 4,259.10 | 0.00 | 0.00 | 987,571.90 | |||||
| Créditos vencidos | 178,617.00 | 116,582.40 | 128,653.70 | 141,101.00 | 170,966.40 | 26,994.50 | 14,336.80 | 49,050.60 | 0.00 | 25,991.00 | 852,293.40 | |||||
| Créditos en cobro judicial | 141,148.80 | 64,011.30 | 125,300.30 | 17,130.90 | 30,122.20 | 21,261.40 | 3,746.10 | 24,164.20 | 0.00 | 557.10 | 427,442.30 | |||||
| Intereses y Comisiones por Cobrar sobre Creditos | 152,840.60 | 239,670.30 | 57,719.50 | 80,956.10 | 8,609.80 | 97,234.80 | 3,616.10 | 105,202.80 | 10,466.60 | 14,063.70 | 770,380.20 | |||||
| Provisiones por incobrabilidad de cartera de creditos | -399,706.60 | -261,441.50 | -384,742.10 | -188,692.60 | -238,372.80 | -129,764.50 | -20,745.80 | -118,266.80 | -9,309.30 | -53,578.50 | -1,804,620.40 | |||||
| Otras cuentas por cobrar, neto | 59,048.20 | 224,707.80 | 64,434.70 | 29,024.50 | 39,691.50 | 27,199.30 | 852.90 | 21,981.50 | 1,326.40 | 2,250.30 | 470,517.20 | |||||
| Bienes de uso, neto | 585,669.30 | 193,312.10 | 372,366.70 | 105,702.00 | 64,334.30 | 179,145.50 | 10,265.70 | 44,047.70 | 8,186.40 | 13,589.90 | 1,576,619.60 | |||||
| Bienes recibidos en recuperacion de creditos, neto | 0.00 | 36,966.10 | 386.20 | 6,876.50 | 1,017.60 | 7,452.60 | 8,553.10 | 30,583.20 | 0.00 | 1,080.50 | 92,915.90 | |||||
| Invesiones permanentes en acciones | 43,009.20 | 136,430.00 | 28,772.10 | 33,812.00 | 22,420.00 | 0.00 | 0.00 | 5,472.70 | 0.00 | 0.00 | 269,916.00 | |||||
| Otros activos | 76,021.10 | 205,426.70 | 55,102.50 | 145,376.50 | 27,034.60 | 56,378.00 | 2,527.90 | 70,127.60 | 16,693.90 | 35,216.00 | 689,904.80 | |||||
| Pasivo | 17,925,197.70 | 14,542,426.70 | 11,844,043.70 | 7,293,447.00 | 4,908,912.70 | 3,105,502.90 | 336,763.80 | 3,275,452.90 | 786,677.60 | 647,743.40 | 64,666,168.40 | |||||
| Obligaciones con el Público | 15,244,706.40 | 12,051,777.30 | 10,501,929.90 | 6,073,648.00 | 4,269,818.00 | 1,465,632.50 | 29,715.30 | 705,987.00 | 295,540.40 | 0.00 | 50,638,754.90 | |||||
| Moneda Nacional | 5,854,890.40 | 4,161,249.90 | 2,748,804.70 | 1,477,074.20 | 1,093,093.70 | 412,536.30 | 0.00 | 327,452.60 | 14,582.90 | 0.00 | 16,089,684.70 | |||||
| Depositos a la Vista | 1,819,469.40 | 1,445,742.30 | 1,692,603.80 | 287,664.70 | 333,428.80 | 42,908.40 | 0.00 | 0.00 | 6,524.90 | 0.00 | 5,628,342.30 | |||||
| Depositos de Ahorro | 1,658,426.10 | 1,446,005.10 | 659,897.00 | 946,410.20 | 556,281.70 | 79,172.50 | 0.00 | 96,833.90 | 785.50 | 0.00 | 5,443,812.10 | |||||
| Depositos a Plazo | 1,721,190.70 | 1,269,502.50 | 396,304.00 | 242,999.30 | 203,383.10 | 290,455.40 | 0.00 | 230,618.70 | 7,272.50 | 0.00 | 4,361,726.10 | |||||
| Otros Depósitos del Público | 655,804.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 655,804.20 | |||||
| Moneda Extranjera | 9,009,333.20 | 7,681,121.70 | 7,618,314.90 | 4,493,250.50 | 3,133,664.30 | 1,032,026.70 | 29,058.30 | 372,662.30 | 274,223.90 | 0.00 | 33,643,655.80 | |||||
| Depositos a la Vista | 1,534,788.20 | 2,010,290.60 | 2,543,244.20 | 508,772.60 | 472,007.40 | 96,126.80 | 0.00 | 0.00 | 55,645.00 | 0.00 | 7,220,874.70 | |||||
| Depositos de Ahorro | 3,730,215.90 | 3,558,788.10 | 2,813,599.20 | 2,744,192.60 | 1,610,810.80 | 389,197.30 | 7,844.70 | 176,703.80 | 34,380.90 | 0.00 | 15,065,733.30 | |||||
| Depositos a Plazo | 3,372,533.30 | 2,112,043.10 | 2,261,471.50 | 1,240,285.30 | 1,050,846.20 | 546,702.70 | 21,213.60 | 195,958.50 | 184,198.00 | 0.00 | 10,985,252.00 | |||||
| Otros Depósitos del Público | 371,795.80 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 371,795.80 | |||||
| Otras obligaciones | 304,196.00 | 162,338.10 | 83,412.40 | 69,921.80 | 18,884.50 | 12,858.30 | 0.00 | 636.40 | 4,079.70 | 0.00 | 656,327.30 | |||||
| Cargos financieros por pagar sobre obligaciones con el Público | 76,286.90 | 47,067.60 | 51,398.00 | 33,401.50 | 24,175.50 | 8,211.10 | 657.10 | 5,235.70 | 2,654.00 | 0.00 | 249,087.20 | |||||
| Obligaciones con Instituciones financieras y por otros financiamientos | 2,127,522.00 | 1,874,610.80 | 993,848.40 | 901,555.60 | 402,401.30 | 1,453,512.20 | 300,918.40 | 2,344,988.00 | 472,803.60 | 622,873.40 | 11,495,033.60 | |||||
| Préstamos de la Financiera Nicaraguense de Inversiones | 270,565.20 | 445,436.80 | 261,479.00 | 186,515.50 | 90,270.70 | 220,411.70 | 8,794.60 | 292,218.70 | 0.00 | 0.00 | 1,775,692.30 | |||||
| Préstamos del Banco Centroaméricano de Integración Económica | 663,445.40 | 604,212.50 | 420,878.80 | 408,492.60 | 159,084.20 | 325,744.00 | 36,183.70 | 204,424.20 | 0.00 | 113,088.20 | 2,935,553.50 | |||||
| Préstamos de Otras Instituciones Financieras del Exterior | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 636,902.40 | 0.00 | 918,588.60 | 0.00 | 0.00 | 1,555,491.00 | |||||
| Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 1,193,511.40 | 824,961.40 | 311,490.60 | 306,547.40 | 153,046.40 | 270,454.20 | 255,940.00 | 929,756.50 | 472,803.60 | 509,785.20 | 5,228,296.90 | |||||
| Obligaciones con el Banco Central de Nicaragua | 117,716.70 | 80,727.10 | 0.00 | 110,449.50 | 19,864.20 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 328,757.40 | |||||
| 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 | 160,547.70 | 140,250.50 | 160,275.80 | 11,253.10 | 55,234.00 | 30,631.10 | 1,678.00 | 30,328.60 | 7,697.00 | 9,356.70 | 607,252.50 | |||||
| Otros pasivos y provisiones | 176,571.70 | 293,699.00 | 187,989.70 | 59,373.80 | 161,595.30 | 53,006.80 | 3,997.00 | 53,398.20 | 10,636.60 | 15,513.30 | 1,015,781.30 | |||||
| Obligaciones subordinadas | 98,133.30 | 101,362.00 | 0.00 | 137,167.00 | 0.00 | 102,720.30 | 0.00 | 140,751.10 | 0.00 | 0.00 | 580,133.70 | |||||
| Impuestos diferidos | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 454.90 | 0.00 | 0.00 | 0.00 | 454.90 | |||||
| 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 | 1,671,423.20 | 1,465,075.70 | 1,427,159.40 | 708,798.50 | 614,833.50 | 290,177.30 | 55,080.50 | 335,436.20 | 278,677.70 | 194,419.30 | 7,041,081.20 | |||||
| Capital social pagado | 632,600.00 | 612,400.00 | 555,000.00 | 400,000.00 | 200,000.00 | 233,000.00 | 50,000.00 | 241,355.00 | 276,880.00 | 155,520.00 | 3,356,755.00 | |||||
| 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 | 0.00 | 0.00 | 33,000.00 | 0.20 | 0.00 | 3,859.50 | 0.00 | 2,741.90 | 137,602.30 | |||||
| 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 | -3,776.10 | 0.00 | 0.00 | 0.00 | 17,552.40 | |||||
| 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 | 162,280.50 | 0.00 | 13,672.90 | 24,072.60 | 3,036.70 | 19,753.90 | 1,608,300.00 | |||||
| Resultados del Periodo | 225,587.70 | 187,712.10 | 190,680.60 | 61,188.20 | 94,461.00 | 29,749.20 | -10,849.30 | 33,138.80 | -4,588.60 | 12,796.20 | 819,875.70 | |||||
| Cuentas contingentes | 7,310,679.50 | 2,295,597.20 | 4,033,828.40 | 291,667.50 | 3,303,822.40 | 764.50 | 8,736.70 | 39,951.30 | 125,518.30 | 0.00 | 17,410,565.80 | |||||
| Cuentas de orden | 23,287,655.60 | 17,785,256.80 | 4,114,230.20 | 10,085,390.10 | 2,617,785.30 | 7,988,316.00 | 1,196,136.30 | 8,753,226.00 | 2,662,371.40 | 1,893,683.30 | 80,384,051.10 | |||||
| La información de este Estado Financiero no ha sido auditada | ||||||||||||||||
| TIPO DE CAMBIO A JULIO 31/08 C$ 19.4474 X US$ 1.00 | ||||||||||||||||