SISTEMA BANCARIO Y FINANCIERAS (EN PERPECTIVA)
Balance de Situación (Condensado)
Al 31 de Octubre de 2008
(Expresado en miles de Córdobas)
Descripción						BANPRO	BANCENTRO	BAC	BDF	B.UNO	PROCREDIT	FINARCA	FINDESA	HSBC	FAMA	Sistema Bancario y Financieras
Activo						20,320,224.80	16,055,895.70	13,533,090.60	7,964,708.00	5,262,520.70	3,540,461.40	395,170.30	3,610,983.70	1,088,069.30	917,647.10	72,688,771.50
Disponibilidades						4,054,590.50	3,399,437.30	3,041,168.90	1,628,007.80	1,535,089.90	498,511.90	22,313.30	667,383.00	127,179.50	38,667.80	15,012,350.10
Moneda Nacional						1,957,088.60	1,197,794.50	908,097.90	420,736.80	308,611.50	152,022.10	701.40	179,207.40	18,956.50	13,930.50	5,157,147.00
Caja						397,824.50	301,653.50	306,087.10	64,579.90	49,124.10	47,569.90	273.30	76,713.90	2,084.10	3,877.60	1,249,787.90
Banco Central de Nicaragua						358,609.80	0.00	0.00	81,190.20	67,409.50	25,371.80	0.00	55,410.90	14,619.70	22.80	602,634.70
Depositos e Instituciones Financieras del Pais						101.00	0.00	0.00	0.10	2,533.00	926.90	420.90	33,044.60	1,400.10	10,030.20	48,456.80
Otras disponibilidades						1,200,553.30	896,141.00	602,010.80	274,966.60	189,544.80	78,153.50	7.10	14,038.00	852.50	0.00	3,256,267.60
Moneda Extranjera						2,097,502.00	2,201,642.80	2,133,071.00	1,207,271.00	1,226,478.40	346,489.90	21,611.90	488,175.60	108,223.10	24,737.30	9,855,203.00
Caja						227,601.60	137,233.30	257,972.70	58,524.20	99,771.00	62,923.10	2,926.50	63,516.60	5,412.90	2,169.80	918,051.70
Banco Central de Nicaragua						10.20	0.00	54,307.40	0.00	82,616.00	31,300.00	0.00	83,082.20	11,019.30	41.10	262,376.20
Depositos e Instituciones Financieras del Pais						0.00	0.00	0.00	1,774.90	0.00	6,121.40	15,553.40	38,158.80	350.50	22,526.40	84,485.40
Depositos en Instituciones Financieras del exterior						351,959.90	617,826.60	50,064.90	462,708.10	514,042.20	81,651.10	1,750.40	274,425.50	34,228.20	0.00	2,388,656.90
Otras disponibilidades						1,517,930.20	1,446,582.90	1,770,726.10	684,263.90	530,049.30	164,494.30	1,381.60	28,992.60	57,212.20	0.00	6,201,633.00
Inversiones en valores, neto						4,735,803.80	2,189,599.30	267,038.80	1,135,856.90	94,638.70	0.00	0.00	22,015.10	0.00	39,514.90	8,484,467.50
Inversiones al Valor Razonable con Cambios en Resultados						0.00	0.00	0.00	13,270.90	94,638.70	0.00	0.00	0.00	0.00	0.00	107,909.60
Inversiones Disponibles para la Venta						69,554.60	1,378,206.40	267,038.80	39,185.40	0.00	0.00	0.00	0.00	0.00	0.00	1,753,985.20
Inversiones Mantenidas Hasta el Vencimiento						4,666,249.20	811,392.90	0.00	1,083,400.60	0.00	0.00	0.00	22,015.10	0.00	39,514.90	6,622,572.70
Operaciones con Valores y Derivados						0.00	0.00	64,799.50	19,802.10	0.00	0.00	0.00	0.00	0.00	0.00	84,601.60
Cartera de Creditos, neta						10,701,237.20	9,674,273.10	9,617,580.20	4,855,946.10	3,460,886.30	2,740,851.00	352,309.30	2,743,343.60	932,316.80	785,339.70	45,864,083.20
Créditos vigentes						10,235,280.10	9,021,818.10	9,591,910.80	4,604,229.70	3,253,700.60	2,677,268.00	343,499.40	2,536,351.20	933,623.10	792,905.60	43,990,586.80
Créditos prorrogados						46,678.70	254,943.00	1,251.40	0.00	0.00	11,745.80	31.50	130,677.20	0.00	4,221.80	449,549.40
Créditos reestructurados						336,709.90	184,078.50	69,674.50	175,910.40	211,612.90	31,216.70	158.70	7,425.60	0.00	187.50	1,016,974.70
Créditos vencidos						178,233.80	169,790.50	167,548.60	123,247.40	207,221.70	37,256.10	22,248.00	63,666.50	0.00	33,633.40	1,002,846.00
Créditos en cobro judicial						118,220.40	74,603.00	118,934.60	18,495.60	30,911.10	19,855.00	3,367.50	25,762.00	0.00	1,312.70	411,461.90
Intereses y Comisiones por Cobrar sobre Creditos						164,917.30	265,692.40	70,911.20	80,487.90	11,528.70	110,240.10	2,887.80	116,014.10	9,205.20	16,154.50	848,039.00
Provisiones por incobrabilidad de cartera de creditos						-378,802.90	-296,652.40	-402,651.00	-146,424.80	-254,088.70	-146,730.90	-19,883.60	-136,553.00	-10,511.50	-63,075.70	-1,855,374.50
Otras cuentas por cobrar, neto						89,507.80	184,776.50	66,874.90	26,061.40	62,024.40	32,639.90	635.70	16,736.30	1,475.90	3,022.70	483,755.50
Bienes de uso, neto						628,647.70	184,206.80	382,379.30	109,254.00	68,396.60	207,941.50	10,106.60	41,603.40	11,740.40	13,328.40	1,657,604.60
Bienes recibidos en recuperacion de creditos, neto						0.00	39,545.50	260.20	10,958.80	1,017.60	7,176.60	8,453.20	31,671.80	0.00	919.40	100,003.00
Invesiones permanentes en acciones						43,009.20	140,001.30	28,956.90	33,812.00	22,420.00	0.00	0.00	5,472.70	0.00	0.00	273,672.10
Otros activos						67,428.50	244,055.80	64,031.90	145,008.80	18,047.20	53,340.50	1,352.20	82,757.90	15,356.70	36,854.10	728,233.80
Pasivo						18,574,737.90	14,517,284.20	11,917,604.00	7,240,674.20	4,633,580.70	3,207,090.10	337,836.60	3,281,652.20	818,442.60	720,415.30	65,249,317.80
Obligaciones con el Público						15,640,342.70	11,942,733.00	10,596,300.90	6,008,480.00	4,055,130.40	1,495,995.50	7,006.60	752,259.70	351,327.70	0.00	50,849,576.50
Moneda Nacional						5,977,612.90	4,050,889.80	2,728,326.90	1,435,231.30	924,161.80	459,955.70	0.00	352,020.80	5,659.80	0.00	15,933,859.10
Depositos a la Vista						1,861,614.20	1,423,527.30	1,654,109.30	297,964.40	286,974.20	51,729.00	0.00	47,980.70	4,187.10	0.00	5,628,086.20
Depositos de Ahorro						1,695,041.90	1,404,896.20	756,231.20	952,729.60	514,460.30	84,731.30	0.00	68,125.10	1,265.10	0.00	5,477,480.70
Depositos a Plazo						1,780,160.70	1,222,466.30	317,986.40	184,537.40	122,727.30	323,495.50	0.00	235,915.00	207.60	0.00	4,187,496.00
Otros Depósitos del Público						640,796.10	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	640,796.10
Moneda Extranjera						9,365,539.10	7,739,465.00	7,714,639.00	4,488,250.80	3,029,658.60	1,017,232.80	6,858.70	395,103.60	341,494.90	0.00	34,098,242.60
Depositos a la Vista						1,681,851.50	1,922,126.10	2,505,391.00	766,966.40	483,158.70	67,215.30	0.00	30,039.00	70,368.70	0.00	7,527,116.80
Depositos de Ahorro						3,718,281.70	3,508,466.90	2,783,332.70	2,333,574.50	1,566,804.70	397,972.60	4,199.40	169,445.80	49,633.80	0.00	14,531,711.90
Depositos a Plazo						3,665,223.60	2,308,872.00	2,425,915.40	1,387,709.90	979,695.20	552,044.90	2,659.40	195,618.70	221,492.40	0.00	11,739,231.60
Otros Depósitos del Público						300,182.30	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	300,182.30
Otras obligaciones						206,020.20	100,058.10	100,316.30	45,396.90	75,180.80	9,051.80	0.00	967.20	1,351.80	0.00	538,343.00
Cargos financieros por pagar sobre obligaciones con el Público						91,170.50	52,320.10	53,018.60	39,601.00	26,129.20	9,755.20	147.90	4,168.10	2,821.20	0.00	279,131.80
Obligaciones con Instituciones financieras y por otros financiamientos						2,304,704.10	1,878,731.40	923,926.90	897,263.00	316,966.20	1,507,622.10	324,798.90	2,301,746.20	431,444.40	651,817.80	11,539,021.00
Préstamos de la Financiera Nicaraguense de Inversiones						285,697.40	496,603.00	331,985.30	313,993.10	86,960.40	229,626.40	5,195.80	273,037.90	0.00	3,877.00	2,026,976.30
Préstamos del Banco Centroaméricano de Integración Económica						766,447.70	579,753.70	410,076.20	398,325.30	155,096.40	248,553.40	30,979.50	182,173.00	0.00	110,045.30	2,881,450.60
Préstamos de Otras Instituciones Financieras del Exterior						0.00	0.00	0.00	0.00	0.00	669,371.60	0.00	915,946.90	0.00	0.00	1,585,318.50
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.						1,252,559.00	802,374.60	181,865.30	184,944.60	74,909.40	360,070.70	288,623.60	930,588.50	431,444.40	537,895.50	5,045,275.60
Obligaciones con el Banco Central de Nicaragua						101,013.30	102,576.80	0.00	109,959.10	34,182.10	0.00	0.00	0.00	6,102.30	0.00	353,833.60
Operaciones con valores y derivados						144,357.70	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	144,357.70
Otras cuentas por pagar						95,573.30	163,388.60	176,122.90	14,075.40	56,198.70	37,626.70	1,697.00	31,731.60	12,878.50	10,696.10	599,988.80
Otros pasivos y provisiones						189,402.50	251,757.40	221,253.30	71,951.40	171,103.30	58,920.20	4,152.10	53,719.40	16,689.70	18,316.60	1,057,265.90
Obligaciones subordinadas						99,344.30	178,096.90	0.00	138,945.30	0.00	106,925.70	0.00	142,195.30	0.00	39,584.80	705,092.30
Impuestos diferidos						0.00	0.00	0.00	0.00	0.00	0.00	182.00	0.00	0.00	0.00	182.00
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						1,745,486.90	1,538,611.50	1,615,486.50	724,033.80	628,940.00	333,371.30	57,333.60	329,331.50	269,626.70	197,231.80	7,439,453.70
Capital social pagado						730,600.00	734,400.00	655,000.00	400,000.00	233,000.00	271,920.80	50,000.00	241,355.00	276,880.00	155,520.00	3,748,675.80
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	3,859.50	0.00	2,741.90	6,602.30
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	273,679.60	412,170.40	138,015.50	162,280.50	0.00	13,672.90	0.00	3,036.70	19,664.20	1,452,211.00
Resultados del Periodo						299,651.40	271,174.70	279,007.70	76,423.50	108,567.50	34,022.40	-8,596.20	51,106.70	-13,639.60	15,698.40	1,113,416.40
Cuentas contingentes						6,168,230.70	1,846,954.10	3,842,023.60	294,430.90	3,265,983.40	1,384.20	3,630.30	38,200.50	108,419.20	0.00	15,569,256.90
Cuentas de orden						24,742,409.50	24,329,917.90	4,106,602.90	10,845,990.70	2,706,463.70	8,204,807.90	1,094,627.80	13,260,345.10	2,682,709.90	2,117,156.80	94,091,032.20
La información de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO A SEPTIEMBRE 30/08 C$ 19.6062 X US$ 1.00