SISTEMA BANCARIO Y FINANCIERAS (EN PERPECTIVA)
Balance de Situación (Condensado)
Al 30 de Noviembre de 2008
(Expresado en miles de Córdobas)
Descripción						BANPRO	BANCENTRO	BAC	BDF	Banco Citibank	PROCREDIT	FINARCA	BANEX	HSBC	FAMA	Sistema Bancario y Financieras
Activo						20,504,547.90	16,050,967.30	13,685,953.70	7,690,371.10	5,266,770.90	3,508,865.30	392,992.40	3,618,331.30	1,084,925.90	928,775.40	72,732,501.20
Disponibilidades						4,042,115.90	3,451,404.20	3,130,039.70	1,367,118.30	1,488,450.70	490,048.80	13,278.70	639,993.10	145,451.70	49,626.20	14,817,527.30
Moneda Nacional						2,117,704.60	1,241,978.30	848,495.10	417,339.30	248,272.10	165,362.20	887.90	170,845.40	10,339.00	37,416.60	5,258,640.60
Caja						336,972.30	320,140.20	285,745.40	52,451.30	52,389.60	46,969.50	203.00	61,042.10	2,655.50	4,996.60	1,163,565.20
Banco Central de Nicaragua						545,405.90	0.00	0.00	84,707.30	16,673.00	37,052.90	0.00	58,215.60	6,133.00	22.90	748,210.50
Depositos e Instituciones Financieras del Pais						101.00	0.00	0.00	0.10	3,159.20	1,584.50	677.80	36,879.60	500.00	32,397.20	75,299.30
Otras disponibilidades						1,235,225.40	921,838.20	562,749.70	280,180.70	176,050.40	79,755.40	7.10	14,708.00	1,050.60	0.00	3,271,565.50
Moneda Extranjera						1,924,411.40	2,209,425.90	2,281,544.60	949,779.00	1,240,178.50	324,686.70	12,390.80	469,147.70	135,112.70	12,209.50	9,558,886.70
Caja						223,496.20	136,751.70	358,180.50	55,683.70	99,551.50	54,098.80	1,315.30	54,765.20	3,703.90	1,834.80	989,381.50
Banco Central de Nicaragua						4.50	0.00	241.60	0.00	69,718.40	46,556.90	0.00	65,833.90	3,430.90	39.50	185,825.70
Depositos e Instituciones Financieras del Pais						0.00	0.00	0.00	2,323.70	0.00	2,182.20	8,050.50	36,439.90	1,976.60	10,335.20	61,308.20
Depositos en Instituciones Financieras del exterior						175,254.70	695,151.60	46,767.60	165,518.50	545,573.00	56,306.50	1,671.80	293,118.90	71,109.90	0.00	2,050,472.50
Otras disponibilidades						1,525,655.90	1,377,522.60	1,876,355.00	726,253.10	525,335.60	165,542.20	1,353.20	18,989.80	54,891.40	0.00	6,271,898.70
Inversiones en valores, neto						4,806,147.20	2,131,414.90	269,879.30	1,039,674.10	94,476.40	0.00	0.00	22,256.10	0.00	39,650.40	8,403,498.50
Inversiones al Valor Razonable con Cambios en Resultados						0.00	0.00	0.00	11,719.40	94,476.40	0.00	0.00	0.00	0.00	0.00	106,195.90
Inversiones Disponibles para la Venta						101,445.10	1,399,407.80	269,879.30	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1,770,732.20
Inversiones Mantenidas Hasta el Vencimiento						4,704,702.10	732,007.10	0.00	1,027,954.70	0.00	0.00	0.00	22,256.10	0.00	39,650.40	6,526,570.50
Operaciones con Valores y Derivados						0.00	0.00	59,392.40	89,853.00	0.00	0.00	0.00	0.00	0.00	0.00	149,245.40
Cartera de Creditos, neta						10,823,563.80	9,670,591.20	9,673,759.10	4,875,189.40	3,508,682.70	2,702,953.00	357,917.30	2,774,035.70	910,857.90	786,101.00	46,083,651.20
Créditos vigentes						10,343,459.60	8,986,747.80	9,633,935.20	4,607,490.00	3,259,568.00	2,628,682.40	347,574.70	2,561,665.60	909,974.40	790,670.00	44,069,767.90
Créditos prorrogados						39,126.80	275,762.50	1,256.40	0.00	0.00	15,547.00	337.50	131,015.50	0.00	4,079.50	467,125.30
Créditos reestructurados						346,636.90	183,319.00	55,334.50	184,784.00	249,322.90	35,668.40	154.50	6,979.80	0.00	183.50	1,062,383.50
Créditos vencidos						158,156.00	151,128.00	154,476.40	115,326.00	199,847.40	38,634.50	23,045.60	49,877.20	3,074.70	32,080.30	925,646.00
Créditos en cobro judicial						161,918.40	81,483.50	103,712.80	22,637.70	33,227.70	19,429.20	3,331.70	23,927.80	0.00	535.50	450,204.40
Intereses y Comisiones por Cobrar sobre Creditos						182,109.80	277,725.10	77,983.10	81,190.90	12,999.90	113,884.80	2,765.40	122,105.40	9,315.10	16,709.90	896,789.30
Provisiones por incobrabilidad de cartera de creditos						-407,843.80	-285,574.60	-352,939.30	-136,239.30	-246,283.20	-148,893.30	-19,292.00	-121,535.50	-11,506.40	-58,157.70	-1,788,265.20
Otras cuentas por cobrar, neto						39,978.20	182,443.10	69,906.60	19,345.00	68,866.30	33,746.20	706.90	15,570.80	2,110.00	2,538.80	435,212.00
Bienes de uso, neto						679,773.60	183,974.00	388,128.20	108,588.20	68,291.40	215,606.90	10,056.90	41,297.40	11,621.10	13,050.00	1,720,387.70
Bienes recibidos en recuperacion de creditos, neto						0.00	42,752.00	260.20	12,575.90	1,957.10	7,314.60	10,230.60	32,981.30	0.00	1,090.60	109,162.30
Invesiones permanentes en acciones						43,009.20	140,001.30	29,039.30	33,812.00	22,420.00	0.00	0.00	5,472.70	0.00	0.00	273,754.50
Otros activos						69,959.80	248,386.50	65,549.00	144,215.30	13,626.20	59,195.80	802.00	86,724.20	14,885.20	36,718.30	740,062.40
Pasivo						18,737,568.70	14,492,071.10	12,041,759.70	6,963,685.00	4,636,873.20	3,172,475.80	335,757.50	3,285,993.70	819,742.70	728,530.80	65,214,458.10
Obligaciones con el Público						15,783,375.40	11,735,470.80	10,509,645.60	5,642,199.20	3,995,083.60	1,507,859.40	5,479.00	763,357.60	325,624.30	0.00	50,268,094.90
Moneda Nacional						6,327,153.10	4,193,672.00	2,733,901.10	1,431,886.00	918,417.20	485,176.30	0.00	364,195.40	4,414.20	0.00	16,458,815.30
Depositos a la Vista						2,201,089.80	1,599,306.90	1,737,370.30	318,290.60	288,048.30	54,851.20	0.00	55,772.20	3,282.80	0.00	6,258,012.10
Depositos de Ahorro						1,779,363.10	1,372,558.90	676,788.60	953,578.20	508,495.70	91,461.80	0.00	71,725.80	923.00	0.00	5,454,895.00
Depositos a Plazo						1,613,372.60	1,221,806.20	319,742.10	160,017.20	121,873.10	338,863.30	0.00	236,697.40	208.40	0.00	4,012,580.50
Otros Depósitos del Público						733,327.70	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	733,327.70
Moneda Extranjera						9,090,383.80	7,352,543.20	7,615,370.70	4,135,589.30	3,032,657.70	999,738.30	5,319.50	391,635.70	315,968.60	0.00	32,939,206.80
Depositos a la Vista						1,463,577.60	1,630,693.20	2,376,212.00	381,479.20	501,387.70	65,779.30	0.00	40,667.10	41,189.90	0.00	6,500,986.00
Depositos de Ahorro						3,657,958.10	3,523,144.40	2,725,284.70	2,340,944.20	1,538,408.10	383,603.50	2,649.50	156,153.90	50,687.00	0.00	14,378,833.40
Depositos a Plazo						3,601,694.80	2,198,705.60	2,513,874.10	1,413,165.80	992,861.90	550,355.40	2,670.00	194,814.70	224,091.80	0.00	11,692,234.10
Otros Depósitos del Público						367,153.30	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	367,153.30
Otras obligaciones						275,843.60	139,298.40	104,660.90	34,280.80	17,926.30	12,335.40	0.00	3,346.60	2,428.90	0.00	590,120.80
Cargos financieros por pagar sobre obligaciones con el Público						89,994.80	49,957.10	55,713.00	40,443.00	26,082.40	10,609.50	159.50	4,179.90	2,812.60	0.00	279,952.00
Obligaciones con Instituciones financieras y por otros financiamientos						2,385,577.90	1,855,057.20	1,115,483.20	925,161.10	347,949.50	1,448,515.60	324,011.20	2,291,047.60	455,725.80	661,678.80	11,810,207.90
Préstamos de la Financiera Nicaraguense de Inversiones						330,284.60	525,793.50	370,564.20	308,940.90	86,945.60	209,347.70	4,981.00	262,960.30	0.00	3,664.40	2,103,482.40
Préstamos del Banco Centroaméricano de Integración Económica						807,093.90	574,101.30	407,617.60	397,994.50	151,026.80	224,841.70	29,291.80	176,467.20	0.00	100,823.40	2,869,258.10
Préstamos de Otras Instituciones Financieras del Exterior						0.00	0.00	0.00	0.00	0.00	672,054.20	0.00	910,302.80	0.00	0.00	1,582,357.00
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.						1,248,199.40	755,162.40	337,301.40	218,225.70	109,977.00	342,272.00	289,738.40	941,317.20	455,725.80	557,191.00	5,255,110.40
Obligaciones con el Banco Central de Nicaragua						102,806.20	101,028.90	0.00	107,681.40	20,645.40	0.00	0.00	0.00	6,124.40	0.00	338,286.20
Operaciones con valores y derivados						76,698.90	0.00	0.00	59,384.20	0.00	0.00	0.00	0.00	0.00	0.00	136,083.10
Otras cuentas por pagar						91,807.40	173,695.00	192,060.60	11,946.90	95,020.50	50,785.80	1,206.70	32,871.50	14,125.70	12,312.30	675,832.40
Otros pasivos y provisiones						196,965.70	248,959.00	224,570.20	76,934.80	178,174.30	59,299.40	4,969.60	54,965.80	18,142.40	14,805.10	1,077,786.40
Obligaciones subordinadas						100,337.10	377,860.20	0.00	140,377.50	0.00	106,015.60	0.00	143,751.20	0.00	39,734.70	908,076.20
Impuestos diferidos						0.00	0.00	0.00	0.00	0.00	0.00	91.00	0.00	0.00	0.00	91.00
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						1,766,979.20	1,558,896.20	1,644,194.00	726,686.10	629,897.70	336,389.60	57,234.90	332,337.60	265,183.30	200,244.60	7,518,043.10
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	21,068.90	800.00	0.00	0.00	0.00	-3,776.10	0.00	0.00	0.00	18,092.90
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						321,143.70	290,919.00	307,715.10	79,075.80	109,525.10	37,040.70	-8,694.90	54,112.80	-18,083.00	18,711.10	1,191,465.40
Cuentas contingentes						5,970,263.90	1,677,149.60	3,779,849.70	260,720.10	3,334,595.30	1,388.10	3,644.80	61,068.60	105,843.20	0.00	15,194,523.20
Cuentas de orden						25,632,728.00	24,009,672.10	4,121,583.10	10,992,949.50	2,711,877.10	8,252,615.50	1,130,240.90	13,398,992.80	2,711,135.80	2,124,633.00	95,086,427.90
La información de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO A NOVIEMBRE 30/08 C$ 19.7663 X US$ 1.00