|
TOTAL SISTEMA
FINANCIERO Y BANCARIO (EN PERSPECTIVA) |
| Balance de Situación (Condensado) |
| Al 31 de Mayo del 2009 |
| (Expresado en miles de Córdobas) |
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO
CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
HSBC |
FAMA |
Sistema Bancario y
Financieras |
| Activo |
20,757,369.4 |
16,389,103.6 |
14,875,066.2 |
7,938,122.5 |
5,085,237.0 |
3,275,949.2 |
407,605.4 |
3,618,849.6 |
733,296.1 |
908,457.0 |
73,989,055.9 |
| Disponibilidades |
5,158,725.8 |
3,000,258.6 |
3,871,701.3 |
1,984,969.2 |
1,542,639.6 |
544,655.2 |
61,313.6 |
666,110.7 |
28,757.9 |
65,942.8 |
16,925,074.7 |
| Moneda
Nacional |
2,145,591.2 |
865,464.2 |
1,024,298.8 |
746,611.3 |
274,221.8 |
138,803.6 |
887.0 |
169,437.4 |
2,244.2 |
45,317.2 |
5,412,876.6 |
| Caja |
366,771.8 |
227,842.8 |
320,575.4 |
45,445.4 |
39,950.7 |
45,581.0 |
273.7 |
73,802.3 |
257.7 |
3,766.3 |
1,124,267.1 |
| Banco
Central de Nicaragua |
626,631.5 |
0.0 |
0.0 |
100,831.3 |
47,772.5 |
10,801.8 |
0.0 |
73,262.5 |
863.9 |
212.8 |
860,376.2 |
| Depositos
e Instituciones Financieras del Pais |
985.5 |
0.0 |
0.0 |
346,437.5 |
2,858.9 |
536.7 |
606.2 |
5,762.5 |
1,111.9 |
41,338.1 |
399,637.2 |
| Otras
disponibilidades |
1,151,202.4 |
637,621.4 |
703,723.5 |
253,897.1 |
183,639.8 |
81,884.1 |
7.1 |
16,610.1 |
10.7 |
0.0 |
3,028,596.1 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
3,013,134.5 |
2,134,794.4 |
2,847,402.5 |
1,238,357.9 |
1,268,417.8 |
405,851.7 |
60,426.7 |
496,673.3 |
26,513.8 |
20,625.6 |
11,512,198.1 |
| Caja |
228,485.3 |
174,709.1 |
339,177.9 |
51,634.1 |
95,363.7 |
61,922.6 |
1,046.3 |
52,703.2 |
1,713.3 |
1,894.5 |
1,008,650.0 |
| Banco
Central de Nicaragua |
16,722.2 |
0.0 |
274.2 |
46,844.2 |
91,639.8 |
61,956.9 |
0.0 |
113,092.8 |
14,783.7 |
40.5 |
345,354.4 |
| Depositos
e Instituciones Financieras del Pais 1\ |
0.0 |
0.0 |
0.0 |
7,505.2 |
0.0 |
42,370.5 |
57,716.1 |
57,771.6 |
1,915.9 |
18,690.7 |
185,969.9 |
| Depositos
en Instituciones Financieras del exterior |
1,204,896.2 |
722,090.7 |
454,646.2 |
337,103.8 |
584,021.3 |
58,258.4 |
380.8 |
239,584.5 |
5,635.0 |
0.0 |
3,606,616.7 |
| Otras
disponibilidades |
1,563,030.9 |
1,237,994.7 |
2,053,304.1 |
795,270.7 |
497,392.9 |
181,343.3 |
1,283.5 |
33,521.3 |
2,465.9 |
0.0 |
6,365,607.2 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Inversiones
en valores, neto |
4,667,926.0 |
3,411,372.9 |
809,199.0 |
967,247.4 |
188,708.2 |
607.6 |
0.0 |
63,331.5 |
0.0 |
141,150.7 |
10,249,543.4 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
0.0 |
0.0 |
0.0 |
0.0 |
188,708.2 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
188,708.2 |
| Inversiones
Disponibles para la Venta |
83,226.1 |
827,008.9 |
809,199.0 |
128,147.3 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
1,847,581.3 |
| Inversiones
Mantenidas Hasta el Vencimiento |
4,584,699.9 |
2,584,364.0 |
0.0 |
839,100.1 |
0.0 |
607.6 |
0.0 |
63,331.5 |
0.0 |
141,150.7 |
8,213,253.9 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
0.0 |
911.7 |
0.0 |
0.0 |
0.0 |
5,658.2 |
0.0 |
0.0 |
6,569.9 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Cartera
de Creditos, neta |
10,034,171.1 |
9,138,282.2 |
9,641,676.1 |
4,664,946.8 |
3,177,681.7 |
2,369,015.3 |
325,544.8 |
2,666,037.1 |
685,164.6 |
649,477.2 |
43,351,996.9 |
| Créditos
vigentes |
9,489,434.5 |
8,315,819.1 |
9,561,561.9 |
4,293,761.7 |
2,868,057.5 |
2,134,628.8 |
315,235.9 |
2,236,117.3 |
675,373.9 |
639,212.4 |
40,529,203.1 |
| Créditos
prorrogados |
47,143.1 |
193,216.1 |
5,084.1 |
0.0 |
0.0 |
71,397.5 |
1,064.5 |
147,798.1 |
0.0 |
1,892.8 |
467,596.1 |
| Créditos
reestructurados |
354,322.1 |
391,432.2 |
71,856.1 |
274,137.3 |
279,946.4 |
109,117.4 |
302.6 |
115,947.4 |
0.0 |
10,767.5 |
1,607,828.9 |
| Créditos
vencidos |
246,456.7 |
187,104.8 |
140,739.5 |
130,762.8 |
118,562.2 |
68,229.5 |
10,384.0 |
60,829.6 |
11,161.4 |
30,287.3 |
1,004,517.7 |
| Créditos
en cobro judicial |
68,378.0 |
54,127.9 |
52,509.5 |
23,713.3 |
22,552.9 |
18,198.3 |
7,815.3 |
33,634.4 |
1,606.1 |
11,987.3 |
294,523.0 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
176,662.0 |
278,237.5 |
85,151.3 |
82,079.3 |
85,650.1 |
96,391.1 |
3,125.1 |
156,260.9 |
9,066.8 |
15,074.0 |
987,698.1 |
| Provisiones
por incobrabilidad de cartera de creditos |
-348,225.3 |
-281,655.4 |
-275,226.2 |
-139,507.6 |
-197,087.4 |
-128,947.3 |
-12,382.5 |
-84,550.6 |
-12,043.6 |
-59,744.0 |
-1,539,370.1 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Otras
cuentas por cobrar, neto |
57,414.1 |
180,383.0 |
47,513.1 |
19,595.0 |
52,020.0 |
20,461.4 |
726.3 |
20,534.9 |
2,398.0 |
4,118.5 |
405,164.4 |
| Bienes
de uso, neto |
654,176.9 |
177,796.0 |
425,001.1 |
101,652.0 |
69,118.1 |
267,152.0 |
9,761.4 |
39,707.6 |
8,277.3 |
12,309.9 |
1,764,952.3 |
| Bienes
recibidos en recuperacion de creditos, neto |
21,572.0 |
86,777.1 |
4,808.0 |
19,134.2 |
2,227.1 |
16,290.0 |
9,413.9 |
70,089.3 |
0.0 |
2,244.0 |
232,555.7 |
| Invesiones
permanentes en acciones |
45,834.8 |
186,760.7 |
30,441.6 |
25,154.2 |
25,686.7 |
0.0 |
0.0 |
2,088.2 |
0.0 |
0.0 |
315,966.1 |
| Otros
activos neto |
117,548.7 |
207,473.0 |
44,726.1 |
154,511.8 |
27,155.5 |
57,767.6 |
845.3 |
85,292.2 |
8,698.2 |
33,214.0 |
737,232.4 |
| Pasivo |
18,880,948.2 |
14,682,167.7 |
13,008,683.8 |
7,176,315.4 |
4,433,452.0 |
2,976,077.9 |
346,974.8 |
3,285,545.1 |
480,748.0 |
711,261.6 |
65,982,174.5 |
| Obligaciones
con el Público |
15,596,141.0 |
11,724,296.7 |
11,522,998.3 |
5,897,139.0 |
3,902,323.2 |
1,601,781.9 |
2,056.5 |
875,265.0 |
7,429.5 |
0.0 |
51,129,431.1 |
| Moneda
Nacional |
6,072,862.0 |
4,104,710.0 |
3,034,419.6 |
1,256,843.5 |
912,974.3 |
500,045.9 |
0.0 |
430,835.3 |
33.8 |
0.0 |
16,312,724.4 |
| Depositos
a la Vista |
2,047,216.3 |
1,626,413.1 |
1,799,033.5 |
295,519.2 |
272,168.6 |
45,483.9 |
0.0 |
72,562.9 |
8.6 |
0.0 |
6,158,405.9 |
| Depositos
de Ahorro |
1,772,571.5 |
1,363,601.3 |
992,920.3 |
727,059.5 |
526,317.5 |
98,559.6 |
0.0 |
118,324.6 |
2.0 |
0.0 |
5,599,356.5 |
| Depositos
a Plazo |
1,674,682.0 |
1,114,695.6 |
242,465.8 |
234,264.8 |
114,488.2 |
356,002.4 |
0.0 |
239,947.8 |
23.2 |
0.0 |
3,976,569.9 |
| Otros
Depósitos del Público |
578,392.2 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
578,392.2 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
9,278,858.5 |
7,442,494.9 |
8,301,747.8 |
4,523,378.1 |
2,942,526.0 |
1,068,354.8 |
2,056.5 |
431,850.5 |
7,371.6 |
0.0 |
33,998,638.7 |
| Depositos
a la Vista |
1,847,691.9 |
1,677,010.5 |
2,740,224.4 |
591,284.8 |
524,543.1 |
73,357.9 |
0.0 |
40,979.8 |
1,581.3 |
0.0 |
7,496,673.8 |
| Depositos
de Ahorro |
3,372,745.8 |
3,428,726.7 |
2,954,836.2 |
2,382,105.8 |
1,431,055.5 |
413,776.8 |
2,056.5 |
152,504.1 |
2,524.1 |
0.0 |
14,140,331.5 |
| Depositos
a Plazo |
3,784,285.9 |
2,336,757.8 |
2,606,687.1 |
1,549,987.4 |
986,927.4 |
581,220.1 |
0.0 |
238,366.6 |
3,266.3 |
0.0 |
12,087,498.6 |
| Otros
Depósitos del Público |
274,134.8 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
274,134.8 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Otras
obligaciones |
154,323.5 |
125,953.9 |
128,610.3 |
77,869.2 |
23,998.4 |
18,448.7 |
0.0 |
7,958.2 |
12.3 |
0.0 |
537,174.5 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
90,096.9 |
51,138.0 |
58,220.6 |
39,048.2 |
22,824.5 |
14,932.6 |
0.0 |
4,621.0 |
11.8 |
0.0 |
280,893.4 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con Instituciones financieras y por otros financiamientos |
2,829,657.5 |
2,070,118.3 |
1,162,615.8 |
935,466.7 |
290,104.7 |
1,162,892.4 |
340,516.8 |
2,208,608.6 |
454,557.5 |
652,079.3 |
12,106,617.6 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
387,669.3 |
520,723.9 |
420,095.6 |
226,575.7 |
77,574.6 |
178,173.3 |
3,853.1 |
303,550.0 |
0.0 |
2,515.7 |
2,120,731.2 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
942,897.6 |
684,167.9 |
420,643.8 |
376,499.6 |
143,860.4 |
114,428.3 |
19,652.4 |
138,203.6 |
0.0 |
162,716.8 |
3,003,070.4 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
521,509.6 |
0.0 |
827,545.0 |
0.0 |
0.0 |
1,349,054.6 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
1,499,090.6 |
865,226.6 |
321,876.4 |
332,391.5 |
68,669.7 |
348,781.1 |
317,011.3 |
939,309.9 |
454,557.5 |
486,846.8 |
5,633,761.4 |
| |
|
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con el Banco Central de Nicaragua |
132,090.5 |
104,668.2 |
0.0 |
111,329.5 |
34,260.1 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
382,348.3 |
| 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 |
44,772.2 |
102,575.8 |
112,645.4 |
14,229.2 |
62,607.0 |
18,719.0 |
1,370.3 |
10,255.5 |
7,440.5 |
2,939.2 |
377,554.1 |
| Otros
pasivos y provisiones |
175,764.5 |
185,946.3 |
210,424.4 |
74,847.8 |
144,157.0 |
55,407.2 |
3,031.2 |
44,046.4 |
11,320.5 |
15,521.5 |
920,466.7 |
| Obligaciones
subordinadas |
102,522.5 |
494,562.4 |
0.0 |
143,303.2 |
0.0 |
137,277.3 |
0.0 |
147,369.7 |
0.0 |
40,721.6 |
1,065,756.7 |
| 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 |
1,876,421.2 |
1,706,935.9 |
1,866,382.4 |
761,807.1 |
651,785.0 |
299,871.3 |
60,630.5 |
333,304.5 |
252,548.1 |
197,195.4 |
8,006,881.4 |
| Capital
social pagado |
730,600.0 |
734,400.0 |
655,000.0 |
400,000.0 |
233,000.0 |
271,920.8 |
50,000.0 |
242,355.0 |
276,880.0 |
155,520.0 |
3,749,675.8 |
| 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 |
336,769.3 |
289,893.5 |
319,800.8 |
122,976.8 |
143,085.8 |
32,871.6 |
6,033.0 |
41,285.8 |
3,349.5 |
5,910.9 |
1,301,977.1 |
| Resultados
acumulados de ejercicios anteriores |
719,820.5 |
577,017.9 |
702,827.0 |
213,846.9 |
236,256.0 |
30,847.8 |
225.6 |
43,406.8 |
-15,423.0 |
32,895.3 |
2,541,720.8 |
| Resultados
del Periodo |
93,469.7 |
84,555.0 |
187,954.6 |
24,983.4 |
39,443.2 |
-35,769.0 |
4,372.0 |
2,397.4 |
-12,258.5 |
127.2 |
389,275.0 |
| Cuentas
contingentes |
4,996,558.4 |
1,871,776.8 |
2,621,347.1 |
365,318.3 |
3,291,511.9 |
981.8 |
0.0 |
70,809.9 |
56,521.0 |
0.0 |
13,274,825.2 |
| Cuentas
de orden |
25,591,991.1 |
23,741,141.9 |
4,543,683.5 |
11,708,450.8 |
2,614,291.4 |
7,931,691.0 |
1,182,308.4 |
8,894,392.4 |
2,985,867.9 |
2,232,448.7 |
91,426,266.9 |
| La informacion de este Estado Financiero no ha sido auditada |
|
|
|
|
|
|
|
|
|
| TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2008 C$ 19.2899 X US$
1.00 |
|
|
|
|
|
|
|
| TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2009 C$ 20.2528 X US$
1.00 |
|
|
|
|
|
|
|
| 1\ Se incorporo en Disponibilidades M.E
la cuenta “Depósitos en
Instituciones Financieras del País” |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|