|
SISTEMA
BANCARIO Y FINANCIERAS (CONSOLIDADO) |
| Balance de Situación (Condensado) |
| Al 31 de Enero del 2009 |
| (Expresado en miles de Córdobas) |
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
Banco Citibank |
PROCREDIT |
FINARCA |
BANEX |
HSBC |
FAMA |
Sistema Bancario y
Financieras |
| Activo |
20,214,110.3 |
15,889,507.2 |
14,173,005.1 |
7,690,650.7 |
5,293,932.7 |
3,440,061.5 |
410,532.0 |
3,594,122.2 |
1,149,785.9 |
914,371.2 |
72,770,078.8 |
| Disponibilidades |
4,162,609.9 |
3,473,201.8 |
3,990,734.8 |
1,410,438.7 |
1,626,965.6 |
612,254.7 |
48,612.7 |
646,114.7 |
271,645.1 |
104,377.0 |
16,346,954.9 |
| Moneda
Nacional |
1,925,757.9 |
1,200,322.2 |
1,061,382.9 |
334,862.6 |
465,796.5 |
221,514.9 |
955.5 |
165,167.9 |
10,304.3 |
87,100.8 |
5,473,165.5 |
| Caja |
465,446.0 |
295,024.7 |
283,771.0 |
49,868.4 |
49,735.6 |
46,196.8 |
218.2 |
61,577.3 |
4,737.3 |
4,224.7 |
1,260,800.0 |
| Banco
Central de Nicaragua |
294,625.8 |
0.0 |
0.0 |
0.0 |
239,346.3 |
95,376.0 |
0.0 |
61,034.9 |
4,506.7 |
22.8 |
694,912.6 |
| Depositos
e Instituciones Financieras del Pais |
101.0 |
0.0 |
0.0 |
50,045.1 |
4,096.9 |
962.5 |
730.2 |
25,900.4 |
15.2 |
82,853.3 |
164,704.7 |
| Otras
disponibilidades |
1,165,585.1 |
905,297.5 |
777,611.8 |
234,949.0 |
172,617.8 |
78,979.6 |
7.1 |
16,655.3 |
1,045.0 |
0.0 |
3,352,748.2 |
| |
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| Moneda
Extranjera |
2,236,852.0 |
2,272,879.6 |
2,929,352.0 |
1,075,576.1 |
1,161,169.1 |
390,739.8 |
47,657.2 |
480,946.8 |
261,340.8 |
17,276.2 |
10,873,789.4 |
| Caja |
239,637.8 |
182,924.9 |
407,441.8 |
54,991.6 |
109,222.2 |
61,897.0 |
9,698.3 |
54,008.2 |
42,364.4 |
1,733.5 |
1,163,919.8 |
| Banco
Central de Nicaragua |
45.8 |
0.0 |
245.6 |
183,219.3 |
42,340.1 |
78,573.8 |
0.0 |
63,167.6 |
117,168.5 |
10,005.1 |
494,765.9 |
| Depositos
e Instituciones Financieras del Pais 1\ |
0.0 |
0.0 |
0.0 |
2,368.8 |
0.0 |
9,828.0 |
35,587.9 |
35,057.2 |
63.6 |
5,537.5 |
88,443.0 |
| Depositos
en Instituciones Financieras del exterior |
496,436.4 |
745,805.7 |
416,402.0 |
102,395.6 |
489,643.0 |
76,136.2 |
1,054.3 |
313,343.3 |
42,636.1 |
0.0 |
2,683,852.5 |
| Otras
disponibilidades |
1,500,731.9 |
1,344,149.0 |
2,105,262.5 |
732,600.8 |
519,963.8 |
164,304.9 |
1,316.6 |
15,370.5 |
59,108.1 |
0.0 |
6,442,808.1 |
| |
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|
| Inversiones
en valores, neto |
4,730,316.2 |
2,135,299.5 |
112,976.7 |
1,145,236.1 |
96,248.5 |
0.0 |
0.0 |
2,541.7 |
0.0 |
29,984.3 |
8,252,603.0 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
0.0 |
0.0 |
0.0 |
15,934.8 |
96,248.5 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
112,183.3 |
| Inversiones
Disponibles para la Venta |
101,986.5 |
1,331,844.8 |
112,976.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,546,808.0 |
| Inversiones
Mantenidas Hasta el Vencimiento |
4,628,329.7 |
803,454.7 |
0.0 |
1,129,301.2 |
0.0 |
0.0 |
0.0 |
2,541.7 |
0.0 |
29,984.3 |
6,593,611.7 |
| |
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|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
0.0 |
19,753.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
19,753.7 |
| |
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| Cartera
de Creditos, neta |
10,386,948.6 |
9,575,729.1 |
9,478,478.6 |
4,793,133.1 |
3,395,838.5 |
2,494,074.3 |
341,432.8 |
2,751,362.8 |
851,180.6 |
727,848.8 |
44,796,027.1 |
| Créditos
vigentes |
9,868,617.0 |
8,798,791.3 |
9,391,302.6 |
4,497,169.1 |
3,037,090.2 |
2,420,285.4 |
331,469.8 |
2,519,009.7 |
851,440.1 |
727,397.6 |
42,442,572.9 |
| Créditos
prorrogados |
64,499.1 |
281,852.0 |
25,138.5 |
0.0 |
0.0 |
13,183.1 |
0.0 |
102,197.9 |
0.0 |
3,534.0 |
490,404.5 |
| Créditos
reestructurados |
354,355.8 |
272,880.4 |
56,855.4 |
219,563.3 |
300,818.5 |
44,377.5 |
149.8 |
29,329.3 |
0.0 |
511.8 |
1,278,841.9 |
| Créditos
vencidos |
172,862.1 |
121,213.0 |
132,907.0 |
117,624.7 |
131,181.0 |
46,159.8 |
7,468.2 |
60,114.8 |
0.0 |
44,177.8 |
833,708.4 |
| Créditos
en cobro judicial |
153,391.3 |
80,869.5 |
104,106.5 |
19,379.6 |
68,343.8 |
16,934.5 |
11,820.7 |
26,298.3 |
0.0 |
435.2 |
481,579.5 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
192,712.5 |
288,642.5 |
89,049.9 |
83,525.2 |
83,403.1 |
112,226.4 |
3,006.1 |
140,533.2 |
8,402.9 |
15,847.0 |
1,017,348.8 |
| Provisiones
por incobrabilidad de cartera de creditos |
-419,489.1 |
-268,519.6 |
-320,881.3 |
-144,128.9 |
-224,998.1 |
-159,092.4 |
-12,481.9 |
-126,120.4 |
-8,662.4 |
-64,054.6 |
-1,748,428.8 |
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| Otras
cuentas por cobrar, neto |
129,138.3 |
185,261.6 |
61,236.4 |
19,550.8 |
54,866.8 |
30,569.2 |
695.7 |
20,867.5 |
2,138.7 |
2,487.5 |
506,812.7 |
| Bienes
de uso, neto |
676,953.8 |
187,456.9 |
425,925.7 |
104,971.4 |
66,502.3 |
237,932.0 |
9,962.6 |
40,986.8 |
11,356.4 |
12,523.7 |
1,774,571.5 |
| Bienes
recibidos en recuperacion de creditos, neto |
0.0 |
47,849.9 |
1,536.3 |
14,387.5 |
2,327.1 |
8,696.4 |
9,425.8 |
37,968.9 |
0.0 |
1,998.5 |
124,190.4 |
| Invesiones
permanentes en acciones |
45,979.9 |
140,001.3 |
29,402.1 |
33,786.1 |
25,124.5 |
0.0 |
0.0 |
5,472.7 |
0.0 |
0.0 |
279,766.7 |
| Otros
activos neto |
82,163.6 |
144,707.2 |
72,714.4 |
149,393.4 |
26,059.3 |
56,534.9 |
402.4 |
88,807.1 |
13,465.1 |
35,151.4 |
669,398.8 |
| Pasivo |
18,410,855.5 |
14,297,812.8 |
12,459,887.2 |
6,944,726.8 |
4,665,384.0 |
3,110,720.6 |
350,572.9 |
3,258,824.0 |
886,890.6 |
719,101.2 |
65,104,775.5 |
| Obligaciones
con el Público |
15,290,313.4 |
11,427,585.5 |
10,967,668.9 |
5,576,547.6 |
3,963,958.3 |
1,541,599.1 |
4,011.0 |
773,055.3 |
354,767.1 |
0.0 |
49,899,506.1 |
| Moneda
Nacional |
6,122,253.0 |
4,150,047.2 |
2,759,979.3 |
1,246,648.7 |
930,999.1 |
511,019.7 |
0.0 |
390,081.7 |
5,365.4 |
0.0 |
16,116,394.0 |
| Depositos
a la Vista |
2,311,494.9 |
1,595,798.6 |
1,886,681.9 |
285,915.0 |
248,067.8 |
50,357.1 |
0.0 |
77,756.9 |
4,193.2 |
0.0 |
6,460,265.5 |
| Depositos
de Ahorro |
1,653,567.8 |
1,392,386.7 |
603,377.8 |
762,666.3 |
560,818.0 |
88,858.0 |
0.0 |
76,138.1 |
811.7 |
0.0 |
5,138,624.4 |
| Depositos
a Plazo |
1,574,309.8 |
1,161,861.9 |
269,919.6 |
198,067.5 |
122,113.2 |
371,804.5 |
0.0 |
236,186.7 |
360.5 |
0.0 |
3,934,623.7 |
| Otros
Depósitos del Público |
582,880.4 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
582,880.4 |
| |
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| Moneda
Extranjera |
8,914,391.5 |
7,070,945.0 |
7,955,803.5 |
4,259,600.3 |
2,962,033.8 |
1,010,044.5 |
3,905.3 |
374,806.7 |
341,827.0 |
0.0 |
32,893,357.6 |
| Depositos
a la Vista |
1,596,846.7 |
1,496,148.2 |
2,714,749.9 |
280,952.2 |
517,499.3 |
71,669.3 |
0.0 |
34,489.4 |
35,802.9 |
0.0 |
6,748,158.0 |
| Depositos
de Ahorro |
3,488,787.3 |
3,368,677.0 |
2,767,059.7 |
2,508,040.7 |
1,492,356.9 |
387,157.8 |
2,437.1 |
152,086.8 |
41,131.9 |
0.0 |
14,207,735.0 |
| Depositos
a Plazo |
3,558,725.2 |
2,206,119.8 |
2,473,994.0 |
1,470,607.4 |
952,177.6 |
551,217.4 |
1,468.3 |
188,230.5 |
264,892.2 |
0.0 |
11,667,432.4 |
| Otros
Depósitos del Público |
270,032.2 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
270,032.2 |
| |
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| Otras
obligaciones |
167,529.1 |
157,032.0 |
193,376.7 |
28,970.6 |
47,713.3 |
8,183.6 |
0.0 |
3,811.1 |
4,489.3 |
0.0 |
611,105.9 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
86,139.8 |
49,561.3 |
58,509.4 |
41,327.9 |
23,212.1 |
12,351.2 |
105.7 |
4,355.8 |
3,085.4 |
0.0 |
278,648.7 |
| |
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| Obligaciones
con Instituciones financieras y por otros financiamientos |
2,639,731.5 |
1,973,680.3 |
1,118,041.7 |
1,026,128.0 |
304,650.5 |
1,341,189.6 |
342,130.0 |
2,261,486.7 |
498,738.6 |
656,794.0 |
12,162,570.9 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
365,919.5 |
532,015.2 |
374,086.5 |
303,004.8 |
86,931.7 |
210,158.5 |
4,522.5 |
248,662.4 |
0.0 |
3,228.1 |
2,128,529.2 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
952,210.4 |
556,139.8 |
398,945.7 |
387,847.5 |
150,987.1 |
182,862.3 |
25,641.5 |
162,129.3 |
0.0 |
105,505.9 |
2,922,269.6 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
568,019.3 |
0.0 |
897,934.2 |
0.0 |
0.0 |
1,465,953.5 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
1,321,601.7 |
885,525.3 |
345,009.5 |
335,275.7 |
66,731.7 |
380,149.5 |
311,965.9 |
952,760.8 |
498,738.6 |
548,060.0 |
5,645,818.6 |
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| Obligaciones
con el Banco Central de Nicaragua |
111,732.5 |
109,457.2 |
0.0 |
117,608.5 |
16,032.5 |
0.0 |
0.0 |
0.0 |
6,176.8 |
0.0 |
361,007.4 |
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Otras
cuentas por pagar |
94,216.1 |
130,115.6 |
190,208.7 |
14,977.9 |
67,283.4 |
41,817.6 |
1,185.2 |
35,728.2 |
10,593.6 |
9,028.1 |
595,154.5 |
| Otros
pasivos y provisiones |
174,391.9 |
171,978.1 |
183,967.8 |
69,039.1 |
313,459.3 |
51,350.0 |
3,246.7 |
43,956.1 |
16,614.5 |
13,205.5 |
1,041,209.1 |
| Obligaciones
subordinadas |
100,470.1 |
484,996.1 |
0.0 |
140,425.7 |
0.0 |
134,764.3 |
0.0 |
144,597.7 |
0.0 |
40,073.6 |
1,045,327.5 |
| Impuestos
diferidos |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
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 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Patrimonio |
1,803,254.8 |
1,591,694.4 |
1,713,117.9 |
745,923.9 |
628,548.8 |
329,340.9 |
59,959.1 |
335,298.2 |
262,895.3 |
195,270.0 |
7,673,780.1 |
| Capital
social pagado |
730,600.0 |
734,400.0 |
655,000.0 |
400,000.0 |
233,000.0 |
271,920.8 |
50,000.0 |
241,355.0 |
276,880.0 |
155,520.0 |
3,748,675.8 |
| Capital
donado |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Aportes
patrimoniales no capitalizables |
0.0 |
0.6 |
0.0 |
0.0 |
0.0 |
0.2 |
0.0 |
3,859.5 |
0.0 |
2,741.9 |
6,602.3 |
| Obligaciones
convertibles en capital |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Ajustes
al patrimonio |
-4,238.4 |
21,068.9 |
800.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
17,630.5 |
| Reservas
patrimoniales |
285,544.4 |
238,828.1 |
319,800.8 |
122,976.8 |
140,713.9 |
27,427.9 |
6,033.0 |
41,318.2 |
3,349.5 |
3,607.3 |
1,189,599.9 |
| Resultados
acumulados de ejercicios anteriores |
771,190.5 |
582,230.3 |
702,827.0 |
213,846.9 |
250,804.2 |
37,929.1 |
637.3 |
47,078.3 |
-15,423.0 |
34,904.5 |
2,626,025.2 |
| Resultados
del Periodo |
20,158.3 |
15,166.5 |
34,690.1 |
9,100.2 |
4,030.7 |
-7,937.1 |
3,288.8 |
1,687.1 |
-1,911.3 |
-1,503.6 |
76,769.6 |
| Cuentas
contingentes |
4,163,325.8 |
1,673,073.1 |
3,200,417.4 |
289,935.8 |
3,197,860.0 |
1,185.7 |
302.0 |
62,629.1 |
64,089.4 |
0.0 |
12,652,818.2 |
| Cuentas
de orden |
25,011,593.0 |
23,834,610.1 |
4,028,025.7 |
11,205,889.2 |
2,521,441.5 |
8,057,097.2 |
1,252,102.8 |
13,583,699.9 |
3,035,048.5 |
2,285,589.5 |
94,815,097.4 |
| LA INFORMACIÓN DE ESTE ESTADO FINANCIERO NO HA SIDO AUDITADA |
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| TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2008 C$ 18.9812 X US$
1.00 |
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| TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2009 C$ 19.9305 X US$
1.00 |
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| 1\ Se incorporo en Disponibilidades M.E
la cuenta “Depósitos en Instituciones
Financieras del País” |
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