|
|
|
|
|
|
|
|
|
|
|
|
| |
TOTAL SISTEMA
FINANCIERO Y BANCARIO (EN PERSPECTIVA) |
| |
Balance de
Situación (Condensado) |
| |
Al 31 de
Diciembre del 2008 |
| |
(Expresado en
miles de Córdobas) |
| |
|
|
|
|
|
|
|
|
|
|
|
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
HSBC |
FAMA |
Sistema
Bancario y Financieras |
| Activo |
19,912,995.60 |
15,699,101.20 |
14,157,811.60 |
7,467,729.30 |
5,129,354.00 |
3,419,691.40 |
410,480.20 |
3,573,872.90 |
1,084,373.80 |
935,697.60 |
71,791,107.70 |
| Disponibilidades |
3,911,931.40 |
3,442,275.00 |
3,856,683.30 |
1,177,368.20 |
1,441,498.50 |
497,710.20 |
42,915.70 |
612,954.30 |
160,300.30 |
85,784.60 |
15,229,421.50 |
| Moneda
Nacional |
1,802,912.20 |
1,061,389.10 |
1,189,446.90 |
297,939.60 |
245,713.00 |
165,643.90 |
652.5 |
163,248.30 |
10,340.70 |
68,403.10 |
5,005,689.30 |
| Caja |
399,550.30 |
356,837.70 |
387,613.50 |
59,397.50 |
38,178.20 |
47,957.00 |
221.6 |
61,185.70 |
1,842.80 |
2,288.30 |
1,355,072.60 |
| Banco
Central de Nicaragua |
464,769.60 |
0 |
0 |
43,650.00 |
15,447.80 |
36,931.50 |
0 |
74,549.60 |
7,600.50 |
22.9 |
642,971.90 |
| Depositos
e Instituciones Financieras del Pais |
101 |
0 |
0 |
0.1 |
400.2 |
1,656.70 |
423.8 |
10,573.20 |
15.2 |
66,091.90 |
79,262.00 |
| Otras
disponibilidades |
938,491.30 |
704,551.40 |
801,833.40 |
194,892.00 |
191,686.80 |
79,098.70 |
7.1 |
16,939.90 |
882.1 |
0 |
2,928,382.80 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
2,109,019.20 |
2,380,885.90 |
2,667,236.40 |
879,428.60 |
1,195,785.60 |
332,066.30 |
42,263.20 |
449,706.00 |
149,959.60 |
17,381.50 |
10,223,732.20 |
| Caja |
236,377.30 |
189,601.60 |
402,862.80 |
41,804.20 |
98,201.60 |
55,283.80 |
1,381.30 |
48,299.60 |
5,374.00 |
1,182.30 |
1,080,368.60 |
| Banco
Central de Nicaragua |
82,546.90 |
0 |
40,747.70 |
0 |
107,438.40 |
38,470.50 |
0 |
80,814.90 |
12,783.50 |
39.7 |
362,841.70 |
| Depositos
e Instituciones Financieras del Pais |
0 |
0 |
0 |
2,912.20 |
0 |
9,019.90 |
38,480.60 |
32,705.10 |
63.4 |
16,159.40 |
99,340.60 |
| Depositos
en Instituciones Financieras del exterior |
310,949.10 |
968,126.90 |
326,327.80 |
180,918.90 |
479,992.10 |
64,389.40 |
1,076.60 |
269,429.00 |
77,314.80 |
0 |
2,678,524.70 |
| Otras
disponibilidades |
1,479,145.90 |
1,223,157.40 |
1,897,298.00 |
653,793.40 |
510,153.40 |
164,902.60 |
1,324.60 |
18,457.40 |
54,423.90 |
0 |
6,002,656.60 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Inversiones
en valores, neto |
4,687,722.70 |
2,008,696.10 |
13,308.80 |
1,126,716.10 |
95,248.80 |
2,253.90 |
0 |
2,527.40 |
0 |
29,915.30 |
7,966,389.10 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
0 |
0 |
0 |
13,113.60 |
95,248.80 |
0 |
0 |
0 |
0 |
0 |
108,362.50 |
| Inversiones
Disponibles para la Venta |
35,711.20 |
1,309,361.20 |
13,308.80 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
1,358,381.20 |
| Inversiones
Mantenidas Hasta el Vencimiento |
4,652,011.50 |
699,334.90 |
0 |
1,113,602.50 |
0 |
2,253.90 |
0 |
2,527.40 |
0 |
29,915.30 |
6,499,645.50 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
0 |
0 |
0 |
20,199.00 |
0 |
0 |
0 |
0 |
0 |
0 |
20,199.00 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Cartera
de Creditos, neta |
10,484,304.70 |
9,543,415.60 |
9,698,691.30 |
4,825,622.10 |
3,441,249.10 |
2,617,977.70 |
346,153.30 |
2,768,186.60 |
897,376.10 |
767,775.80 |
45,390,752.30 |
| Créditos
vigentes |
9,967,322.50 |
8,843,219.50 |
9,625,674.60 |
4,535,393.30 |
3,173,797.50 |
2,524,243.70 |
335,250.60 |
2,503,586.50 |
899,019.70 |
762,256.70 |
43,169,764.60 |
| Créditos
prorrogados |
77,371.50 |
263,521.70 |
25,228.90 |
0 |
0 |
22,539.50 |
2,000.70 |
158,197.30 |
0 |
3,882.60 |
552,742.20 |
| Créditos
reestructurados |
353,477.70 |
219,047.70 |
56,260.80 |
197,823.50 |
267,307.90 |
41,282.80 |
155.1 |
23,227.30 |
0 |
179.5 |
1,158,762.40 |
| Créditos
vencidos |
163,274.70 |
148,555.50 |
142,163.90 |
136,008.80 |
202,400.50 |
42,644.20 |
9,452.50 |
47,266.80 |
0 |
44,727.10 |
936,494.00 |
| Créditos
en cobro judicial |
183,426.50 |
71,499.10 |
95,093.00 |
17,301.30 |
37,626.80 |
19,147.10 |
15,600.20 |
23,199.10 |
0 |
484.2 |
463,377.40 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
186,443.50 |
278,371.10 |
84,756.70 |
82,415.70 |
12,563.60 |
116,036.30 |
2,693.70 |
129,990.40 |
7,613.00 |
16,641.00 |
917,525.10 |
| Provisiones
por incobrabilidad de cartera de creditos |
-447,011.60 |
-280,798.90 |
-330,486.80 |
-143,320.60 |
-252,447.10 |
-147,916.10 |
-18,999.40 |
-117,280.80 |
-9,256.60 |
-60,395.40 |
-1,807,913.30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Otras
cuentas por cobrar, neto |
41,753.50 |
192,744.50 |
68,348.20 |
19,777.60 |
46,903.50 |
24,475.50 |
670 |
22,624.60 |
1,676.90 |
3,395.80 |
422,370.10 |
| Bienes
de uso, neto |
668,672.70 |
188,484.30 |
426,462.00 |
110,584.40 |
67,338.10 |
222,672.00 |
10,008.00 |
42,128.10 |
11,700.80 |
12,795.70 |
1,760,846.10 |
| Bienes
recibidos en recuperacion de creditos, neto |
0 |
45,463.70 |
1,621.40 |
10,793.50 |
1,950.30 |
7,952.90 |
9,428.50 |
35,435.40 |
0 |
1,217.50 |
113,863.20 |
| Invesiones
permanentes en acciones |
45,979.90 |
140,001.30 |
29,253.30 |
33,786.10 |
25,124.50 |
0 |
0 |
5,472.70 |
0 |
0 |
279,617.80 |
| Otros
activos neto |
72,630.70 |
138,020.60 |
63,443.30 |
142,882.30 |
10,041.00 |
46,649.30 |
1,304.70 |
84,543.90 |
13,319.80 |
34,812.80 |
607,648.70 |
| Pasivo |
18,125,660.70 |
14,122,573.20 |
12,479,383.80 |
6,730,905.60 |
4,504,835.90 |
3,082,413.40 |
353,809.80 |
3,240,261.90 |
819,567.30 |
732,778.60 |
64,192,190.30 |
| Obligaciones
con el Público |
15,185,843.60 |
11,372,512.20 |
11,026,837.40 |
5,457,304.50 |
3,948,150.70 |
1,516,898.20 |
5,561.20 |
755,969.50 |
352,200.90 |
0 |
49,621,278.30 |
| Moneda
Nacional |
5,683,645.10 |
3,945,408.70 |
2,814,287.30 |
1,173,851.70 |
890,744.70 |
482,035.50 |
0 |
370,771.80 |
4,219.50 |
0 |
15,364,964.30 |
| Depositos
a la Vista |
1,944,228.00 |
1,398,268.20 |
1,918,226.80 |
285,520.30 |
203,851.00 |
50,398.60 |
0 |
62,126.20 |
3,036.80 |
0 |
5,865,655.90 |
| Depositos
de Ahorro |
1,625,645.90 |
1,386,501.70 |
632,761.60 |
724,690.20 |
564,966.00 |
91,470.40 |
0 |
74,267.70 |
973.4 |
0 |
5,101,277.00 |
| Depositos
a Plazo |
1,445,176.90 |
1,160,638.80 |
263,299.00 |
163,641.10 |
121,927.70 |
340,166.50 |
0 |
234,378.00 |
209.3 |
0 |
3,729,437.20 |
| Otros
Depósitos del Público |
668,594.30 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
668,594.30 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
9,242,639.60 |
7,289,802.60 |
8,069,008.70 |
4,081,493.40 |
2,985,068.50 |
1,017,207.90 |
5,421.10 |
377,185.10 |
343,597.20 |
0 |
33,411,424.10 |
| Depositos
a la Vista |
1,691,350.70 |
1,639,770.90 |
2,784,389.50 |
274,861.90 |
505,987.90 |
66,545.60 |
0 |
30,435.20 |
47,123.50 |
0 |
7,040,465.30 |
| Depositos
de Ahorro |
3,675,187.00 |
3,447,380.00 |
2,827,084.60 |
2,358,969.70 |
1,521,774.40 |
399,607.00 |
3,434.70 |
153,160.10 |
50,115.30 |
0 |
14,436,712.80 |
| Depositos
a Plazo |
3,498,168.20 |
2,202,651.70 |
2,457,534.60 |
1,447,661.80 |
957,306.10 |
551,055.30 |
1,986.40 |
193,589.80 |
246,358.40 |
0 |
11,556,312.30 |
| Otros
Depósitos del Público |
377,933.70 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
377,933.70 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Otras
obligaciones |
174,329.70 |
87,479.90 |
87,201.10 |
161,547.00 |
49,737.70 |
6,181.00 |
0 |
3,745.50 |
1,525.80 |
0 |
571,747.90 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
85,229.20 |
49,821.00 |
56,340.30 |
40,412.50 |
22,599.90 |
11,473.70 |
140.2 |
4,267.00 |
2,858.30 |
0 |
273,142.00 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con Instituciones financieras y por otros financiamientos |
2,441,592.20 |
1,883,732.00 |
1,077,158.70 |
950,038.10 |
314,393.90 |
1,349,478.30 |
343,429.40 |
2,258,708.30 |
433,686.40 |
670,047.70 |
11,722,264.90 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
348,048.20 |
526,992.90 |
365,084.70 |
291,559.90 |
86,939.30 |
225,951.10 |
4,764.00 |
256,312.70 |
0 |
3,450.50 |
2,109,103.40 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
766,771.00 |
569,589.30 |
402,208.70 |
393,190.90 |
151,155.60 |
181,113.90 |
27,747.20 |
161,459.00 |
0 |
107,266.10 |
2,760,501.70 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0 |
0 |
0 |
0 |
0 |
565,670.90 |
0 |
894,221.80 |
0 |
0 |
1,459,892.70 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
1,326,773.00 |
787,149.80 |
309,865.20 |
265,287.30 |
76,298.90 |
376,742.50 |
310,918.20 |
946,714.70 |
433,686.40 |
559,331.10 |
5,392,767.00 |
|
|
|
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con el Banco Central de Nicaragua |
110,107.30 |
96,793.20 |
0 |
108,912.70 |
21,538.60 |
0 |
0 |
0 |
6,151.30 |
0 |
343,503.10 |
| Operaciones
con Reportos y Valores Derivados |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Otras
cuentas por pagar |
109,098.90 |
113,249.80 |
183,017.20 |
14,565.60 |
58,699.30 |
32,263.80 |
1,289.80 |
40,752.20 |
11,213.90 |
8,925.30 |
573,075.90 |
| Otros
pasivos y provisiones |
179,459.90 |
176,319.80 |
192,370.60 |
60,943.60 |
162,053.40 |
50,889.60 |
3,529.40 |
42,018.30 |
16,314.80 |
13,897.70 |
897,797.10 |
| Obligaciones
subordinadas |
99,558.80 |
479,966.20 |
0 |
139,141.10 |
0 |
132,883.60 |
0 |
142,813.60 |
0 |
39,907.90 |
1,034,271.10 |
| Impuestos
diferidos |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Reservas
para obligaciones laborales al retiro |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Patrimonio |
1,787,335.00 |
1,576,527.90 |
1,678,427.80 |
736,823.70 |
624,518.10 |
337,278.00 |
56,670.30 |
333,611.10 |
264,806.60 |
202,919.00 |
7,598,917.40 |
| 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 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Aportes
patrimoniales no capitalizables |
0 |
0.6 |
0 |
0 |
0 |
0.2 |
0 |
3,859.50 |
0 |
2,741.90 |
6,602.30 |
| Obligaciones
convertibles en capital |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
| Ajustes
al patrimonio |
0 |
21,068.90 |
800 |
0 |
0 |
0 |
0 |
0 |
0 |
0 |
21,868.90 |
| 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 |
13,672.90 |
0 |
3,036.70 |
19,658.60 |
1,452,205.40 |
| Resultados
del Periodo |
341,499.40 |
308,550.70 |
341,949.00 |
89,213.40 |
104,145.50 |
37,929.10 |
-13,035.50 |
55,386.30 |
-18,459.70 |
21,391.10 |
1,268,569.20 |
| Cuentas
contingentes |
4,404,324.70 |
1,745,760.60 |
3,711,304.40 |
257,955.60 |
3,366,277.70 |
3,644.80 |
302 |
63,928.80 |
63,297.60 |
0 |
13,616,796.40 |
| Cuentas de orden |
24,340,394.10 |
23,732,796.80 |
3,856,112.10 |
11,062,973.80 |
2,757,633.40 |
8,170,130.90 |
1,124,950.10 |
13,486,249.10 |
3,021,969.20 |
2,233,246.50 |
93,786,456.00 |
| La informacion de este Estado Financiero no ha sido auditada |
| TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2008 C$ 19.8481 X
US$ 1.00 |
|
|
|
|
|
|
|
|
|
|
|
|