|
SISTEMA
BANCARIO Y FINANCIERAS (EN PERSPECTIVA) |
| |
Balance de
Situación (Condensado) |
| |
Al 31 de Agosto
del 2009 |
| |
(Expresado en
miles de Córdobas) |
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO
CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
FAMA |
Sistema
Bancario y Financiero |
| Activo |
21,754,569.4 |
16,651,077.0 |
15,910,311.3 |
8,799,498.4 |
5,057,631.0 |
3,507,766.4 |
367,324.1 |
3,580,868.7 |
838,695.5 |
76,467,741.9 |
| Disponibilidades |
5,852,805.7 |
3,509,691.5 |
4,951,050.3 |
2,803,881.9 |
1,773,945.2 |
701,002.6 |
27,710.9 |
628,972.5 |
68,681.6 |
20,317,742.2 |
| Moneda
Nacional |
2,179,746.0 |
867,470.0 |
1,062,179.0 |
479,376.3 |
409,827.3 |
146,630.8 |
748.0 |
171,523.5 |
55,011.5 |
5,372,512.3 |
| Caja |
490,820.7 |
253,825.4 |
365,020.4 |
69,219.0 |
52,740.4 |
51,904.0 |
336.4 |
58,115.4 |
3,950.4 |
1,345,932.2 |
| Banco
Central de Nicaragua |
628,087.3 |
0.0 |
1.5 |
7,512.2 |
182,797.6 |
7,110.5 |
0.0 |
89,053.3 |
210.1 |
914,772.4 |
| Depositos
e Instituciones Financieras del Pais |
3,259.9 |
0.0 |
0.0 |
157,678.2 |
2,943.3 |
16,145.6 |
404.6 |
4,212.3 |
50,850.9 |
235,494.8 |
| Otras
disponibilidades |
1,057,578.2 |
613,644.5 |
697,157.1 |
244,966.9 |
171,346.0 |
71,470.7 |
7.0 |
20,142.4 |
0.0 |
2,876,312.8 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
3,673,059.7 |
2,642,221.5 |
3,888,871.2 |
2,324,505.6 |
1,364,117.8 |
554,371.8 |
26,962.9 |
457,449.1 |
13,670.2 |
14,945,229.9 |
| Caja |
265,080.8 |
161,303.0 |
323,944.9 |
60,484.0 |
84,986.2 |
65,039.4 |
611.1 |
51,684.4 |
2,517.4 |
1,015,651.3 |
| Banco
Central de Nicaragua |
150,683.7 |
0.0 |
1,038.5 |
101,292.3 |
189,424.3 |
132,854.7 |
0.0 |
125,592.0 |
41.0 |
700,926.5 |
| Depositos
e Instituciones Financieras del Pais 1\ |
0.0 |
0.0 |
0.0 |
257,422.4 |
0.0 |
15,105.6 |
24,553.5 |
42,709.1 |
11,111.7 |
350,902.3 |
| Depositos
en Instituciones Financieras del exterior |
1,535,394.5 |
1,145,361.8 |
436,030.8 |
989,531.5 |
669,013.5 |
160,670.6 |
1,462.8 |
208,000.8 |
0.0 |
5,145,466.4 |
| Otras
disponibilidades |
1,721,900.6 |
1,335,556.7 |
3,127,857.0 |
915,775.4 |
420,693.8 |
180,701.5 |
335.6 |
29,462.7 |
0.0 |
7,732,283.3 |
| |
|
|
|
|
|
|
|
|
|
|
| Inversiones
en valores, neto |
4,885,343.9 |
3,466,418.7 |
998,567.2 |
1,063,772.7 |
40,215.4 |
0.0 |
0.0 |
156,441.8 |
111,461.8 |
10,722,221.6 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
91,254.5 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
91,254.5 |
| Inversiones
Disponibles para la Venta |
89,992.8 |
843,752.0 |
998,567.2 |
211,913.5 |
40,215.4 |
0.0 |
0.0 |
41,012.1 |
0.0 |
2,225,453.0 |
| Inversiones
Mantenidas Hasta el Vencimiento |
4,704,096.6 |
2,622,666.7 |
0.0 |
851,859.2 |
0.0 |
0.0 |
0.0 |
115,429.7 |
111,461.8 |
8,405,514.0 |
| |
|
|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
7,726.0 |
0.0 |
7,726.0 |
| |
|
|
|
|
|
|
|
|
|
|
| Cartera
de Creditos, neta |
10,073,452.8 |
8,818,987.2 |
9,391,540.3 |
4,621,793.3 |
3,078,562.4 |
2,392,596.1 |
318,988.4 |
2,567,945.3 |
609,865.1 |
41,873,730.8 |
| Créditos
vigentes |
9,497,929.8 |
7,848,161.1 |
9,315,294.0 |
4,239,031.5 |
2,803,230.9 |
2,121,158.9 |
288,837.2 |
1,959,051.8 |
584,419.2 |
38,657,114.4 |
| Créditos
prorrogados |
127,266.8 |
439,710.3 |
12,370.8 |
0.0 |
0.0 |
74,697.6 |
502.0 |
246,821.9 |
1,411.3 |
902,780.8 |
| Créditos
reestructurados |
380,435.9 |
337,672.8 |
75,874.1 |
313,686.7 |
256,786.2 |
122,656.8 |
22,826.1 |
181,633.9 |
16,562.0 |
1,708,134.5 |
| Créditos
vencidos |
179,186.6 |
162,823.6 |
143,687.7 |
130,657.3 |
168,605.8 |
80,660.6 |
7,780.6 |
94,714.1 |
46,316.1 |
1,014,432.3 |
| Créditos
en cobro judicial |
69,174.1 |
80,455.6 |
65,333.7 |
17,459.3 |
11,325.4 |
26,046.7 |
6,195.6 |
49,604.7 |
18,652.7 |
344,247.7 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
149,288.5 |
262,882.7 |
88,870.0 |
76,491.5 |
76,752.7 |
95,977.9 |
4,124.3 |
149,036.2 |
14,111.2 |
917,534.8 |
| Provisiones
por incobrabilidad de cartera de creditos |
-329,828.9 |
-312,718.8 |
-309,890.0 |
-155,533.0 |
-238,138.6 |
-128,602.4 |
-11,277.3 |
-112,917.2 |
-71,607.4 |
-1,670,513.8 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
cuentas por cobrar, neto |
82,048.2 |
204,986.2 |
50,189.4 |
16,470.5 |
42,238.3 |
19,476.3 |
835.9 |
10,800.9 |
2,919.4 |
429,965.1 |
| Bienes
de uso, neto |
650,525.4 |
172,912.3 |
418,530.7 |
97,178.9 |
68,541.4 |
296,861.4 |
9,642.7 |
40,175.4 |
11,778.4 |
1,766,146.7 |
| Bienes
recibidos en recuperacion de creditos, neto |
40,406.4 |
77,653.2 |
2,972.9 |
17,147.3 |
2,576.4 |
38,394.6 |
9,375.6 |
94,359.7 |
2,247.5 |
285,133.6 |
| Invesiones
permanentes en acciones |
45,834.8 |
179,156.5 |
30,843.5 |
25,654.2 |
25,686.7 |
0.0 |
0.0 |
2,088.2 |
0.0 |
309,263.9 |
| Otros
activos neto |
124,152.2 |
221,271.5 |
66,617.0 |
153,599.6 |
25,865.4 |
59,435.5 |
770.5 |
72,358.9 |
31,741.6 |
755,812.2 |
| Pasivo |
19,817,558.8 |
14,892,059.0 |
13,957,628.1 |
8,052,658.7 |
4,433,661.7 |
3,226,491.5 |
303,022.8 |
3,302,693.7 |
650,388.2 |
68,636,162.5 |
| Obligaciones
con el Público |
16,307,848.0 |
11,733,935.1 |
12,486,735.2 |
6,842,479.8 |
3,961,473.7 |
1,592,205.5 |
1,587.7 |
945,962.5 |
0.0 |
53,872,227.7 |
| Moneda
Nacional |
5,900,388.3 |
3,960,652.5 |
3,015,879.8 |
1,233,814.3 |
930,734.2 |
435,743.0 |
0.0 |
441,160.2 |
0.0 |
15,918,372.3 |
| Depositos
a la Vista |
1,826,915.3 |
1,721,640.2 |
1,964,103.9 |
286,312.1 |
273,479.7 |
53,431.0 |
0.0 |
61,047.4 |
0.0 |
6,186,929.6 |
| Depositos
de Ahorro |
1,796,173.4 |
1,352,075.6 |
808,589.2 |
682,891.6 |
529,898.3 |
102,486.9 |
0.0 |
128,834.9 |
0.0 |
5,400,949.8 |
| Depositos
a Plazo |
1,662,207.9 |
886,936.8 |
243,186.7 |
264,610.6 |
127,356.2 |
279,825.1 |
0.0 |
251,277.9 |
0.0 |
3,715,401.2 |
| Otros
Depósitos del Público |
615,091.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
615,091.7 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
10,186,892.0 |
7,633,327.4 |
9,323,986.4 |
5,500,290.5 |
2,980,355.3 |
1,124,559.4 |
1,587.3 |
495,139.6 |
0.0 |
37,246,138.0 |
| Depositos
a la Vista |
1,689,176.8 |
1,991,111.3 |
3,053,690.9 |
1,316,513.6 |
539,631.8 |
78,355.3 |
0.0 |
48,324.8 |
0.0 |
8,716,804.6 |
| Depositos
de Ahorro |
3,296,973.4 |
3,440,878.9 |
3,315,824.5 |
2,348,565.1 |
1,411,439.1 |
447,260.5 |
1,558.6 |
165,440.4 |
0.0 |
14,427,940.4 |
| Depositos
a Plazo |
4,901,321.8 |
2,201,337.2 |
2,954,471.0 |
1,835,211.8 |
1,029,284.4 |
598,943.6 |
28.7 |
281,374.4 |
0.0 |
13,801,972.9 |
| Otros
Depósitos del Público |
299,420.1 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
299,420.1 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
obligaciones |
119,680.8 |
90,582.6 |
85,389.2 |
63,118.7 |
25,502.4 |
13,673.6 |
0.0 |
4,788.6 |
0.0 |
402,735.8 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
100,886.9 |
49,372.6 |
61,479.9 |
45,256.3 |
24,881.8 |
18,229.6 |
0.4 |
4,874.2 |
0.0 |
304,981.6 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con Instituciones financieras y por otros financiamientos |
3,010,614.8 |
2,218,788.7 |
1,105,523.7 |
913,714.6 |
261,939.8 |
1,325,611.0 |
296,555.6 |
2,156,144.8 |
589,723.9 |
11,878,616.8 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
419,236.5 |
481,545.7 |
387,921.1 |
235,897.6 |
65,373.2 |
203,355.2 |
3,414.8 |
268,768.7 |
1,809.8 |
2,067,322.7 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
785,691.9 |
608,522.1 |
372,920.2 |
365,319.3 |
140,131.4 |
102,517.0 |
15,292.1 |
192,202.2 |
142,138.2 |
2,724,734.5 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
671,486.4 |
0.0 |
828,122.5 |
0.0 |
1,499,608.9 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
1,805,686.4 |
1,128,720.8 |
344,682.3 |
312,497.6 |
56,435.2 |
348,252.5 |
277,848.7 |
867,051.4 |
445,775.9 |
5,586,950.8 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con el Banco Central de Nicaragua |
170,280.6 |
107,296.5 |
0.0 |
68,021.3 |
18,796.3 |
84,430.1 |
0.0 |
0.0 |
0.0 |
448,824.9 |
| 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 |
| Otras
cuentas por pagar |
42,888.6 |
117,532.0 |
137,320.4 |
10,079.2 |
37,113.1 |
24,442.3 |
1,766.6 |
7,302.9 |
2,785.3 |
381,230.4 |
| Otros
pasivos y provisiones |
182,289.4 |
214,215.9 |
228,048.8 |
73,433.5 |
154,338.8 |
56,769.0 |
3,112.9 |
43,468.7 |
16,653.7 |
972,330.5 |
| Obligaciones
subordinadas |
103,637.4 |
500,290.8 |
0.0 |
144,930.3 |
0.0 |
143,033.6 |
0.0 |
149,814.7 |
41,225.3 |
1,082,932.2 |
| 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 |
1,937,010.6 |
1,759,018.0 |
1,952,683.2 |
746,839.7 |
623,969.3 |
281,274.9 |
64,301.3 |
278,175.0 |
188,307.3 |
7,831,579.4 |
| Capital
social pagado |
1,000,000.0 |
893,400.0 |
655,000.0 |
560,000.0 |
233,000.0 |
271,920.8 |
50,000.0 |
242,355.0 |
155,520.0 |
4,061,195.8 |
| 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 |
450,420.5 |
418,017.9 |
702,827.0 |
53,846.9 |
236,256.0 |
30,847.8 |
225.6 |
43,476.8 |
3,549.5 |
1,939,468.0 |
| Resultados
del Periodo |
154,059.2 |
136,637.1 |
274,255.4 |
10,016.0 |
11,627.5 |
-54,365.5 |
8,042.8 |
-52,802.2 |
-673.1 |
486,797.3 |
| Cuentas
contingentes |
5,044,914.1 |
2,036,719.9 |
2,595,061.1 |
446,558.4 |
3,081,113.3 |
602.8 |
0.0 |
62,079.5 |
0.0 |
13,267,049.0 |
| Cuentas
de orden |
26,452,602.2 |
23,680,873.7 |
3,707,852.6 |
11,971,418.7 |
2,934,090.8 |
8,158,282.0 |
1,251,119.4 |
6,910,944.8 |
2,218,819.1 |
87,286,003.2 |
| La
informacion de este Estado Financiero no ha sido auditada |
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| TIPO
DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2008 C$ 19.5279 X US$ 1.00 |
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| TIPO
DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2009 C$ 20.5034 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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