|
SISTEMA
BANCARIO Y FINANCIERAS (EN PERSPECTIVA) |
| |
Balance de
Situación (Condensado) |
| |
Al 31 de Julio
del 2009 |
| |
(Expresado en
miles de Córdobas) |
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO
CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
FAMA |
Sistema
Bancario y Financiero |
| Activo |
21,475,685.0 |
16,480,615.6 |
16,185,763.8 |
8,876,656.9 |
5,080,255.9 |
3,309,461.6 |
366,917.3 |
3,568,783.5 |
868,341.3 |
76,212,480.9 |
| Disponibilidades |
4,875,960.2 |
3,453,337.4 |
4,900,049.2 |
2,947,011.6 |
1,732,119.8 |
526,788.7 |
32,314.5 |
623,724.2 |
63,881.3 |
19,155,187.0 |
| Moneda
Nacional |
1,751,438.5 |
1,431,806.0 |
1,264,950.2 |
572,903.0 |
426,670.4 |
134,739.5 |
570.2 |
173,365.0 |
42,884.2 |
5,799,327.0 |
| Caja |
474,283.0 |
213,754.7 |
389,758.0 |
72,976.2 |
49,312.5 |
49,626.7 |
325.1 |
66,174.2 |
4,423.5 |
1,320,633.9 |
| Banco
Central de Nicaragua |
197,009.1 |
0.0 |
106,561.1 |
0.0 |
199,351.5 |
12,101.2 |
0.0 |
81,106.1 |
210.2 |
596,339.2 |
| Depositos
e Instituciones Financieras del Pais |
1,896.1 |
0.0 |
0.0 |
276,691.8 |
2,253.9 |
913.4 |
238.1 |
9,324.8 |
38,250.6 |
329,568.7 |
| Otras
disponibilidades |
1,078,250.4 |
1,218,051.3 |
768,631.1 |
223,235.0 |
175,752.5 |
72,098.2 |
7.0 |
16,759.9 |
0.0 |
3,552,785.3 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
3,124,521.7 |
2,021,531.5 |
3,635,099.0 |
2,374,108.6 |
1,305,449.5 |
392,049.2 |
31,744.3 |
450,359.2 |
20,997.1 |
13,355,860.0 |
| Caja |
220,046.8 |
193,439.9 |
372,024.6 |
62,097.9 |
97,851.2 |
68,474.8 |
679.7 |
55,821.8 |
2,255.5 |
1,072,692.2 |
| Banco
Central de Nicaragua |
199,317.9 |
0.0 |
1,013.4 |
46,685.2 |
191,410.5 |
94,610.3 |
0.0 |
123,404.0 |
40.8 |
656,482.2 |
| Depositos
e Instituciones Financieras del Pais 1\ |
0.0 |
0.0 |
0.0 |
165,235.2 |
0.0 |
7,848.5 |
30,382.1 |
36,886.7 |
18,700.7 |
259,053.3 |
| Depositos
en Instituciones Financieras del exterior |
1,004,165.0 |
552,515.9 |
533,611.8 |
1,190,017.1 |
596,229.9 |
41,088.0 |
334.7 |
207,311.1 |
0.0 |
4,125,273.4 |
| Otras
disponibilidades |
1,700,992.0 |
1,275,575.7 |
2,728,449.2 |
910,073.2 |
419,957.8 |
180,027.6 |
347.8 |
26,935.6 |
0.0 |
7,242,359.0 |
| |
|
|
|
|
|
|
|
|
|
|
| Inversiones
en valores, neto |
5,165,341.0 |
3,428,554.9 |
1,293,195.8 |
992,463.7 |
39,791.9 |
0.0 |
0.0 |
114,503.3 |
133,396.5 |
11,167,247.2 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Inversiones
Disponibles para la Venta |
84,196.3 |
848,356.9 |
1,293,195.8 |
129,466.4 |
39,791.9 |
0.0 |
0.0 |
0.0 |
0.0 |
2,395,007.3 |
| Inversiones
Mantenidas Hasta el Vencimiento |
5,081,144.7 |
2,580,198.0 |
0.0 |
862,997.2 |
0.0 |
0.0 |
0.0 |
114,503.3 |
133,396.5 |
8,772,239.8 |
| |
|
|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
400,330.2 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
6,939.7 |
0.0 |
407,269.9 |
| |
|
|
|
|
|
|
|
|
|
|
| Cartera
de Creditos, neta |
10,121,793.9 |
8,756,584.8 |
9,427,797.0 |
4,625,129.9 |
3,142,237.6 |
2,385,919.9 |
313,864.6 |
2,606,932.6 |
621,843.7 |
42,002,103.9 |
| Créditos
vigentes |
9,593,956.2 |
7,807,238.3 |
9,357,779.7 |
4,244,878.7 |
2,860,465.4 |
2,112,630.4 |
285,148.4 |
2,063,495.6 |
602,408.6 |
38,928,001.3 |
| Créditos
prorrogados |
118,212.5 |
424,334.6 |
5,900.6 |
0.0 |
0.0 |
83,162.0 |
822.1 |
203,590.5 |
1,631.0 |
837,653.4 |
| Créditos
reestructurados |
351,051.7 |
337,402.2 |
77,452.6 |
306,944.8 |
259,941.4 |
118,254.1 |
20,484.8 |
169,067.8 |
14,438.4 |
1,655,037.8 |
| Créditos
vencidos |
157,477.0 |
153,413.7 |
146,023.6 |
126,241.1 |
162,358.2 |
73,232.6 |
7,275.7 |
78,237.3 |
44,566.3 |
948,825.5 |
| Créditos
en cobro judicial |
78,215.5 |
70,761.4 |
54,888.2 |
19,501.4 |
19,587.7 |
25,618.2 |
6,179.4 |
34,421.5 |
15,236.3 |
324,409.5 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
158,031.3 |
261,595.2 |
88,157.2 |
77,491.1 |
79,506.6 |
94,739.9 |
3,718.8 |
155,077.0 |
14,598.6 |
932,915.5 |
| Provisiones
por incobrabilidad de cartera de creditos |
-335,150.3 |
-298,160.6 |
-302,404.9 |
-149,927.2 |
-239,621.7 |
-121,717.3 |
-9,764.5 |
-96,957.1 |
-71,035.6 |
-1,624,739.2 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
cuentas por cobrar, neto |
61,625.7 |
197,492.9 |
48,296.3 |
18,040.8 |
30,112.0 |
23,449.9 |
822.6 |
11,443.4 |
1,886.5 |
393,170.2 |
| Bienes
de uso, neto |
651,652.8 |
174,137.2 |
420,291.9 |
97,890.0 |
69,557.6 |
286,344.0 |
9,690.3 |
39,367.1 |
12,068.9 |
1,760,999.9 |
| Bienes
recibidos en recuperacion de creditos, neto |
31,583.7 |
77,497.8 |
3,149.4 |
18,407.4 |
2,576.4 |
30,109.8 |
9,375.6 |
85,032.6 |
2,307.5 |
260,040.3 |
| Invesiones
permanentes en acciones |
45,834.8 |
179,156.5 |
30,700.8 |
25,654.2 |
25,686.7 |
0.0 |
0.0 |
2,088.2 |
0.0 |
309,121.2 |
| Otros
activos neto |
121,562.6 |
213,853.9 |
62,283.4 |
152,059.3 |
38,173.9 |
56,849.3 |
849.6 |
78,752.3 |
32,956.8 |
757,341.2 |
| Pasivo |
19,553,891.8 |
14,731,062.5 |
14,264,920.8 |
8,124,413.9 |
4,457,069.7 |
3,016,874.4 |
302,622.2 |
3,260,366.1 |
679,358.4 |
68,390,579.7 |
| Obligaciones
con el Público |
16,298,998.3 |
11,504,184.4 |
12,328,895.4 |
6,885,265.5 |
3,935,117.7 |
1,572,669.2 |
1,595.4 |
945,508.3 |
0.0 |
53,472,234.3 |
| Moneda
Nacional |
5,945,339.3 |
4,178,052.2 |
3,053,998.8 |
1,214,796.1 |
898,422.0 |
437,216.9 |
0.0 |
447,663.8 |
0.0 |
16,175,488.9 |
| Depositos
a la Vista |
1,705,448.6 |
1,756,946.9 |
1,865,437.7 |
274,529.7 |
253,954.7 |
50,729.4 |
0.0 |
79,344.2 |
0.0 |
5,986,391.2 |
| Depositos
de Ahorro |
1,829,035.1 |
1,386,147.8 |
934,079.9 |
697,597.9 |
529,977.5 |
98,569.1 |
0.0 |
121,439.9 |
0.0 |
5,596,847.3 |
| Depositos
a Plazo |
1,747,812.3 |
1,034,957.5 |
254,481.1 |
242,668.4 |
114,489.7 |
287,918.4 |
0.0 |
246,879.6 |
0.0 |
3,929,207.1 |
| Otros
Depósitos del Público |
663,043.2 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
663,043.2 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
10,125,362.8 |
7,197,845.1 |
9,092,043.0 |
5,562,727.3 |
2,974,577.8 |
1,110,643.5 |
1,595.2 |
487,615.0 |
0.0 |
36,552,409.8 |
| Depositos
a la Vista |
1,696,808.2 |
1,585,003.6 |
2,880,408.7 |
1,441,244.4 |
535,350.4 |
75,427.7 |
0.0 |
53,540.2 |
0.0 |
8,267,783.2 |
| Depositos
de Ahorro |
3,384,785.5 |
3,525,346.1 |
3,302,075.9 |
2,356,373.0 |
1,421,544.1 |
437,733.2 |
1,566.6 |
158,180.9 |
0.0 |
14,587,605.4 |
| Depositos
a Plazo |
4,769,621.3 |
2,087,495.4 |
2,909,558.4 |
1,765,109.9 |
1,017,683.3 |
597,482.7 |
28.6 |
275,893.9 |
0.0 |
13,422,873.6 |
| Otros
Depósitos del Público |
274,147.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
274,147.7 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
obligaciones |
135,744.8 |
78,767.5 |
119,692.1 |
63,007.0 |
37,485.3 |
7,997.2 |
0.0 |
5,364.2 |
0.0 |
448,058.0 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
92,551.4 |
49,519.6 |
63,161.5 |
44,735.1 |
24,632.7 |
16,811.7 |
0.2 |
4,865.4 |
0.0 |
296,277.6 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con Instituciones financieras y por otros financiamientos |
2,791,971.5 |
2,331,558.5 |
1,187,913.7 |
914,883.4 |
265,710.2 |
1,141,989.7 |
296,083.5 |
2,113,735.2 |
619,311.9 |
11,663,157.7 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
397,737.5 |
508,796.4 |
396,335.0 |
230,209.1 |
65,454.4 |
190,657.2 |
3,562.4 |
276,637.5 |
1,968.0 |
2,071,357.4 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
797,607.7 |
666,653.6 |
411,734.1 |
365,799.2 |
143,712.1 |
94,436.0 |
15,824.4 |
124,922.9 |
154,815.8 |
2,775,505.9 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
505,360.4 |
0.0 |
834,319.8 |
0.0 |
1,339,680.1 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
1,596,626.4 |
1,156,108.5 |
379,844.6 |
318,875.1 |
56,543.8 |
351,536.2 |
276,696.6 |
877,855.1 |
462,528.1 |
5,476,614.3 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con el Banco Central de Nicaragua |
133,936.8 |
106,612.5 |
0.0 |
95,379.3 |
34,546.1 |
84,244.6 |
0.0 |
0.0 |
0.0 |
454,719.3 |
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
400,273.4 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
400,273.4 |
| Otras
cuentas por pagar |
47,092.0 |
112,747.0 |
125,629.7 |
10,579.0 |
30,395.9 |
22,484.8 |
1,747.8 |
8,824.1 |
2,606.0 |
362,106.3 |
| Otros
pasivos y provisiones |
179,127.9 |
180,719.9 |
222,208.6 |
74,596.1 |
191,299.7 |
54,405.6 |
3,195.5 |
44,325.1 |
16,385.5 |
966,263.9 |
| Obligaciones
subordinadas |
102,765.3 |
495,240.1 |
0.0 |
143,710.6 |
0.0 |
141,080.4 |
0.0 |
147,973.3 |
41,055.0 |
1,071,824.9 |
| Impuestos
diferidos |
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 |
| Patrimonio |
1,921,793.2 |
1,749,553.1 |
1,920,843.1 |
752,243.0 |
623,186.2 |
292,587.2 |
64,295.1 |
308,417.4 |
188,982.9 |
7,821,901.2 |
| Capital
social pagado |
730,600.0 |
893,400.0 |
655,000.0 |
560,000.0 |
233,000.0 |
271,920.8 |
50,000.0 |
242,355.0 |
155,520.0 |
3,791,795.8 |
| Capital
donado |
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 |
24,000.0 |
27,860.4 |
| Obligaciones
convertibles en capital |
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 |
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 |
5,910.9 |
1,298,627.5 |
| Resultados
acumulados de ejercicios anteriores |
719,820.5 |
418,017.9 |
702,827.0 |
53,846.9 |
236,256.0 |
30,847.8 |
225.6 |
43,476.8 |
3,549.5 |
2,208,868.0 |
| Resultados
del Periodo |
138,841.8 |
127,172.2 |
242,415.3 |
15,419.3 |
10,844.4 |
-43,053.2 |
8,036.6 |
-22,559.8 |
2.5 |
477,119.0 |
| Cuentas
contingentes |
4,999,268.1 |
1,910,740.6 |
2,534,410.1 |
428,722.4 |
3,159,375.8 |
613.2 |
0.0 |
64,115.9 |
0.0 |
13,097,246.1 |
| Cuentas
de orden |
25,748,180.3 |
23,701,399.2 |
4,196,079.5 |
13,612,155.4 |
2,628,991.5 |
8,037,006.1 |
1,180,841.6 |
6,855,829.3 |
2,227,311.6 |
88,187,794.6 |
| La informacion de este Estado Financiero no ha sido auditada |
| TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2008 C$ 19.4474 X US$
1.00 |
| TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2009 C$ 20.4186 X US$
1.00 |
| 1\ Se incorporo en Disponibilidades M.E
la cuenta “Depósitos en Instituciones Financieras del País” |
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