SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA)

Balance de Situación (Condensado)

Al 30 de Junio del 2009

(Expresado en miles de Córdobas)

Descripción

BANPRO

BANCENTRO

BAC

BDF

BANCO CITIBANK

PROCREDIT

FINARCA

BANEX

HSBC

FAMA

Sistema Bancario y Financiero

Disponibilidades

5,629,190.4

3,391,666.6

4,717,488.0

1,788,335.9

1,655,748.4

529,563.9

22,867.7

655,664.6

14,257.2

71,222.3

18,476,005.0

Moneda Nacional

2,213,180.6

1,110,287.7

859,830.0

598,404.8

304,621.0

173,959.2

799.7

163,255.5

1,347.0

55,695.6

5,481,381.1

Caja

464,411.1

250,510.3

404,711.4

57,546.8

60,299.5

54,051.4

201.6

60,225.6

330.4

4,235.0

1,356,523.1

Banco Central de Nicaragua

618,580.4

0.0

41,201.4

69,634.0

33,613.6

0.0

74,000.7

156.4

212.7

837,399.2

Depositos e Instituciones Financieras del Pais

1,091.5

0.0

248,426.2

4,583.0

588.1

591.1

9,475.1

853.6

51,247.9

316,856.6

Otras disponibilidades

1,129,097.4

859,777.4

455,118.7

251,230.4

170,104.4

85,706.1

7.1

19,554.1

6.6

0.0

2,970,602.2

Moneda Extranjera

3,416,009.9

2,281,378.9

3,857,657.9

1,189,931.2

1,351,127.4

355,604.7

22,067.9

492,409.1

12,910.2

15,526.7

12,994,623.9

Caja

261,139.4

164,677.7

359,918.0

54,066.2

96,684.8

65,675.0

806.4

46,800.1

802.0

2,218.6

1,052,788.2

Banco Central de Nicaragua

44,605.0

0.0

274.9

164,512.3

119,045.6

42,346.0

0.0

89,835.2

5,960.0

40.7

466,619.6

Depositos e Instituciones Financieras del Pais 1\

0.0

9,901.4

0.0

14,965.7

20,500.0

84,774.5

1,506.4

13,267.4

144,915.4

Depositos en Instituciones Financieras del exterior

1,398,033.8

677,211.2

1,149,138.3

144,297.5

716,000.7

57,165.8

401.5

249,962.0

3,280.1

0.0

4,395,490.9

Otras disponibilidades

1,712,231.8

1,439,489.9

2,348,326.7

817,153.9

419,396.3

175,452.2

360.0

21,037.2

1,361.8

0.0

6,934,809.8

Inversiones en valores, neto

5,117,255.3

3,384,586.5

810,964.8

1,019,806.7

150,577.2

1,118.9

0.0

83,304.5

0.0

142,002.1

10,709,616.1

Inversiones al Valor Razonable con Cambios en Resultados

0.0

Inversiones Disponibles para la Venta

83,704.7

796,123.4

810,964.8

169,038.4

150,577.2

0.0

2,010,408.5

Inversiones Mantenidas Hasta el Vencimiento

5,033,550.6

2,588,463.1

0.0

850,768.3

0.0

1,118.9

0.0

83,304.5

0.0

142,002.1

8,699,207.6

Operaciones con Reportos y Valores Derivados

0.0

922.3

0.0

5,733.0

0.0

6,655.3

Cartera de Creditos, neta

10,008,140.4

8,902,773.8

9,591,838.6

4,656,477.7

3,130,966.6

2,379,682.0

321,563.1

2,641,796.7

589,674.2

640,900.1

42,863,813.3

Créditos vigentes

9,446,987.0

8,002,701.1

9,524,420.8

4,284,103.0

2,835,957.7

2,122,281.2

294,800.2

2,156,004.5

594,784.2

611,307.6

39,873,347.4

Créditos prorrogados

117,334.8

268,841.4

6,944.1

0.0

78,794.5

1,004.9

179,740.8

0.0

1,739.0

654,399.5

Créditos reestructurados

355,730.3

389,558.0

78,908.0

292,682.3

266,726.6

111,854.2

16,423.4

135,336.4

0.0

12,376.5

1,659,595.6

Créditos vencidos

185,677.3

203,127.2

144,825.5

131,972.7

138,443.2

65,256.5

10,084.5

64,681.5

2,043.8

51,590.5

997,702.8

Créditos en cobro judicial

70,729.6

53,371.9

44,961.2

20,552.2

19,030.1

32,673.2

7,153.6

36,444.9

0.0

12,483.1

297,399.8

Intereses y Comisiones por Cobrar sobre Creditos

160,605.6

271,445.4

85,399.7

79,544.1

84,421.3

93,468.5

3,621.1

154,724.7

6,150.7

13,916.7

953,297.9

Provisiones por incobrabilidad de cartera de creditos

-328,924.1

-286,271.2

-293,620.8

-152,376.6

-213,612.3

-124,646.1

-11,524.7

-85,136.1

-13,304.6

-62,513.2

-1,571,929.7

Otras cuentas por cobrar, neto

64,263.4

191,319.5

47,633.1

19,251.2

43,725.2

22,870.7

798.1

17,216.1

2,553.1

2,402.2

412,032.6

Bienes de uso, neto

656,198.8

176,416.3

422,903.7

101,147.7

68,746.6

275,526.7

9,711.4

39,859.5

5,858.6

12,351.6

1,768,720.9

Bienes recibidos en recuperacion de creditos, neto

26,288.1

82,623.6

4,719.6

18,568.8

2,542.4

23,506.5

9,823.9

80,746.7

944.7

2,342.3

252,106.8

Invesiones permanentes en acciones

45,834.8

186,760.7

30,622.7

25,654.2

25,686.7

0.0

2,088.2

0.0

316,647.3

Otros activos neto

117,592.5

201,485.7

56,050.0

152,061.6

23,200.3

56,305.8

836.5

82,332.8

8,327.1

34,388.4

732,580.6

Obligaciones con el Público

16,372,650.0

11,853,362.0

12,083,221.8

5,787,642.2

3,944,104.6

1,574,710.8

1,287.6

889,891.1

5,697.5

0.0

52,512,567.6

Moneda Nacional

5,991,381.7

4,232,377.0

2,902,804.0

1,257,416.0

917,097.6

454,942.4

0.0

438,093.0

45.9

0.0

16,194,157.6

Depositos a la Vista

1,950,706.3

1,710,224.2

1,702,575.9

290,834.7

265,193.8

50,604.5

0.0

72,983.2

8.6

0.0

6,043,131.2

Depositos de Ahorro

1,839,738.3

1,436,560.3

957,205.6

721,150.2

536,816.7

97,440.0

0.0

121,141.2

14.0

0.0

5,710,066.2

Depositos a Plazo

1,640,910.4

1,085,592.6

243,022.5

245,431.2

115,087.1

306,897.9

0.0

243,968.6

23.3

0.0

3,880,933.5

Otros Depósitos del Público

560,026.7

0.0

560,026.7

Moneda Extranjera

10,088,459.8

7,469,197.0

8,970,520.6

4,396,829.7

2,980,251.1

1,094,255.2

1,287.5

440,861.2

5,624.1

0.0

35,447,286.2

Depositos a la Vista

1,737,825.8

1,744,858.1

2,879,751.0

347,955.6

541,590.5

80,360.1

0.0

43,612.8

1,497.9

0.0

7,377,451.7

Depositos de Ahorro

3,372,668.5

3,556,541.7

3,361,253.0

2,388,773.8

1,426,163.9

419,518.9

1,259.1

153,678.0

846.8

0.0

14,680,703.6

Depositos a Plazo

4,760,865.5

2,167,797.2

2,729,516.7

1,660,100.3

1,012,496.7

594,376.2

28.5

243,570.4

3,279.4

0.0

13,172,030.9

Otros Depósitos del Público

217,100.0

0.0

217,100.0

Otras obligaciones

199,285.7

101,714.5

149,945.0

92,498.6

22,672.9

9,901.5

0.0

6,659.7

15.1

0.0

582,693.0

Cargos financieros por pagar sobre obligaciones con el Público

93,522.8

50,073.4

59,952.2

40,897.9

24,083.0

15,611.8

0.1

4,277.1

12.5

0.0

288,430.8

Obligaciones con Instituciones financieras y por otros financiamientos

2,914,046.6

2,029,226.9

1,386,206.8

927,136.5

276,441.4

1,118,911.5

297,352.7

2,184,815.8

347,984.0

649,213.1

12,131,335.2

Préstamos de la Financiera Nicaraguense de Inversiones

386,313.3

517,027.8

411,976.3

234,948.1

66,206.3

185,467.9

3,708.3

289,309.0

0.0

2,131.9

2,097,088.9

Préstamos del Banco Centroaméricano de Integración Económica

901,954.9

679,860.2

415,065.0

371,404.2

143,930.3

81,845.2

18,024.8

132,624.9

0.0

159,445.6

2,904,155.0

Préstamos de Otras Instituciones Financieras del Exterior

0.0

503,271.5

0.0

830,871.1

0.0

1,334,142.6

Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.

1,625,778.3

832,338.9

559,165.5

320,784.2

66,304.8

348,327.0

275,619.6

932,010.8

347,984.0

487,635.6

5,795,948.6

Obligaciones con el Banco Central de Nicaragua

133,472.6

105,356.5

0.0

91,830.0

34,241.0

83,668.1

0.0

448,568.2

Operaciones con Reportos y Valores Derivados

0.0

Otras cuentas por pagar

58,926.8

109,868.6

113,301.3

11,771.4

47,948.9

22,788.5

1,548.0

9,201.0

7,095.5

2,246.2

384,696.0

Otros pasivos y provisiones

182,515.1

195,394.7

214,428.0

73,024.0

146,520.5

53,055.8

3,102.5

43,328.8

9,485.0

16,017.9

936,872.2

Obligaciones subordinadas

101,898.9

490,216.4

0.0

142,498.8

0.0

139,141.3

0.0

148,129.1

0.0

40,876.3

1,062,760.9

Impuestos diferidos

0.0

Reservas para obligaciones laborales al retiro

0.0

Capital social pagado

730,600.0

893,400.0

655,000.0

400,000.0

233,000.0

271,920.8

50,000.0

242,355.0

276,880.0

155,520.0

3,908,675.8

Capital donado

0.0

Aportes patrimoniales no capitalizables

0.0

0.6

0.0

0.2

0.0

3,859.5

0.0

2,741.9

6,602.3

Obligaciones convertibles en capital

0.0

Ajustes al patrimonio

-4,238.4

21,068.9

800.0

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

418,017.9

702,827.0

213,846.9

236,256.0

30,847.8

225.6

43,476.8

-15,423.0

32,895.3

2,382,790.8

Resultados del Periodo

118,302.2

111,826.7

206,634.8

11,499.8

39,595.2

-39,341.8

6,051.4

2,399.3

-13,453.6

187.3

443,701.2

Cuentas contingentes

4,947,113.5

1,926,864.3

2,616,627.0

362,262.9

3,267,394.3

204.1

0.0

64,266.2

56,725.7

0.0

13,241,458.0

Cuentas de orden

25,589,254.4

23,746,147.7

4,274,844.4

11,618,483.6

2,594,604.4

7,999,975.3

1,170,465.5

9,043,322.8

2,955,424.3

2,260,370.5

91,252,893.1

La informacion de este Estado Financiero no ha sido auditada

TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2008 C$ 19.3672 X US$ 1.00

TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2009 C$ 20.3342 X US$ 1.00

1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”