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|
SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) | ||||||||||
| Balance de Situación (Condensado) | |||||||||||
| Al 30 de Septiembre del 2009 | |||||||||||
| (Expresado en miles de Córdobas) | |||||||||||
| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | BANEX | FAMA | Sistema Bancario y Financiero | |
| Activo | 22,270,503.6 | 17,409,023.8 | 16,048,150.9 | 8,082,476.8 | 5,098,616.0 | 3,444,393.7 | 366,866.2 | 3,498,699.8 | 830,535.8 | 77,049,266.5 | |
| Disponibilidades | 5,769,541.0 | 4,383,626.9 | 5,429,778.8 | 2,104,347.5 | 1,665,234.3 | 616,954.2 | 5,284.0 | 591,862.8 | 38,388.5 | 20,605,017.9 | |
| Moneda Nacional | 2,071,377.6 | 1,099,637.3 | 1,215,575.3 | 498,119.1 | 271,149.9 | 130,787.7 | 407.9 | 166,048.1 | 28,584.0 | 5,481,687.0 | |
| Caja | 496,786.6 | 271,904.9 | 395,587.3 | 62,840.4 | 43,113.3 | 54,000.5 | 192.9 | 65,167.7 | 4,186.1 | 1,393,779.8 | |
| Banco Central de Nicaragua | 497,766.3 | 54,140.3 | 0.0 | 16,321.2 | 49,258.9 | 4,218.3 | 0.0 | 81,271.1 | 210.0 | 703,186.2 | |
| Depositos e Instituciones Financieras del Pais | 3,721.8 | 0.0 | 0.0 | 158,197.9 | 2,704.3 | 923.5 | 208.1 | 921.0 | 24,187.9 | 190,864.4 | |
| Otras disponibilidades | 1,073,102.9 | 773,592.1 | 819,987.9 | 260,759.5 | 176,073.4 | 71,645.4 | 7.0 | 18,688.2 | 0.0 | 3,193,856.5 | |
| Moneda Extranjera | 3,698,163.4 | 3,283,989.5 | 4,214,203.5 | 1,606,228.4 | 1,394,084.4 | 486,166.5 | 4,876.0 | 425,814.7 | 9,804.5 | 15,123,331.0 | |
| Caja | 235,613.6 | 152,192.6 | 406,224.8 | 48,939.4 | 82,288.1 | 64,307.5 | 575.9 | 56,476.9 | 2,593.6 | 1,049,212.3 | |
| Banco Central de Nicaragua | 132,617.6 | 411,259.9 | 1,058.9 | 63,553.7 | 58,808.0 | 67,927.6 | 0.0 | 90,419.3 | 41.2 | 825,686.1 | |
| Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 363,055.4 | 0.0 | 17,300.0 | 3,592.9 | 71,804.6 | 7,169.7 | 462,922.6 | |
| Depositos en Instituciones Financieras del exterior | 1,549,495.6 | 1,274,480.3 | 590,221.8 | 215,682.5 | 755,296.2 | 153,404.4 | 384.1 | 175,342.7 | 0.0 | 4,714,307.6 | |
| Otras disponibilidades | 1,780,436.6 | 1,446,056.7 | 3,216,698.0 | 914,997.5 | 497,692.1 | 183,226.9 | 323.2 | 31,771.3 | 0.0 | 8,071,202.3 | |
| Inversiones en valores, neto | 5,452,452.3 | 3,405,101.5 | 803,655.8 | 1,076,864.5 | 205,286.9 | 0.0 | 0.0 | 157,124.3 | 150,227.7 | 11,250,713.0 | |
| 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 | 53,744.9 | 852,927.5 | 803,655.8 | 213,810.7 | 205,286.9 | 0.0 | 0.0 | 41,174.3 | 0.0 | 2,170,600.2 | |
| Inversiones Mantenidas Hasta el Vencimiento | 5,398,707.4 | 2,552,174.0 | 0.0 | 863,053.8 | 0.0 | 0.0 | 0.0 | 115,950.0 | 150,227.7 | 9,080,112.8 | |
| Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,820.3 | 0.0 | 7,820.3 | |
| Cartera de Creditos, neta | 10,126,698.6 | 8,761,801.3 | 9,249,336.0 | 4,614,449.4 | 3,059,138.4 | 2,389,805.2 | 340,960.5 | 2,506,865.2 | 592,159.6 | 41,641,214.1 | |
| Créditos vigentes | 9,416,832.2 | 7,811,233.0 | 9,182,754.5 | 4,233,677.1 | 2,778,259.6 | 2,123,370.8 | 310,856.0 | 1,869,563.5 | 569,629.5 | 38,296,176.1 | |
| Créditos prorrogados | 98,334.3 | 366,461.3 | 10,800.1 | 0.0 | 0.0 | 60,031.6 | 814.7 | 243,099.5 | 902.0 | 780,443.6 | |
| Créditos reestructurados | 473,173.8 | 394,121.4 | 77,515.2 | 318,940.7 | 265,868.3 | 131,704.8 | 22,914.5 | 206,412.0 | 17,339.2 | 1,907,989.9 | |
| Créditos vencidos | 245,060.7 | 167,593.4 | 149,568.3 | 125,679.1 | 156,962.5 | 91,334.5 | 8,322.1 | 111,468.9 | 49,904.5 | 1,105,894.2 | |
| Créditos en cobro judicial | 70,071.8 | 97,994.2 | 65,662.9 | 15,892.2 | 11,972.8 | 25,142.5 | 6,389.3 | 70,470.9 | 21,448.1 | 385,044.7 | |
| Intereses y Comisiones por Cobrar sobre Creditos | 155,206.5 | 258,238.3 | 89,706.7 | 78,154.9 | 77,834.4 | 96,059.0 | 4,365.7 | 146,227.1 | 13,422.5 | 919,215.2 | |
| Provisiones por incobrabilidad de cartera de creditos | -331,980.7 | -333,840.4 | -326,671.8 | -157,894.7 | -231,759.3 | -137,838.0 | -12,701.8 | -140,376.7 | -80,486.3 | -1,753,549.6 | |
| Otras cuentas por cobrar, neto | 78,797.9 | 205,800.2 | 50,077.5 | 16,731.1 | 33,416.6 | 20,942.3 | 968.6 | 15,520.5 | 3,075.2 | 425,330.0 | |
| Bienes de uso, neto | 646,574.6 | 170,531.5 | 415,701.1 | 95,467.3 | 67,512.0 | 316,256.5 | 9,595.2 | 39,472.3 | 11,574.9 | 1,772,685.4 | |
| Bienes recibidos en recuperacion de creditos, neto | 28,057.8 | 74,799.9 | 4,496.5 | 17,228.5 | 3,761.1 | 45,444.5 | 9,375.6 | 106,816.4 | 2,155.8 | 292,136.2 | |
| Invesiones permanentes en acciones | 45,834.8 | 179,156.5 | 31,056.0 | 5,540.5 | 25,686.7 | 0.0 | 0.0 | 2,088.2 | 0.0 | 289,362.6 | |
| Otros activos neto | 122,546.4 | 228,206.1 | 64,049.1 | 151,848.0 | 38,580.1 | 54,990.9 | 682.3 | 71,129.8 | 32,954.2 | 764,987.0 | |
| Pasivo | 20,313,539.7 | 15,646,030.7 | 14,065,978.4 | 7,329,755.1 | 4,473,200.6 | 3,116,981.3 | 302,488.7 | 3,275,498.2 | 649,298.1 | 69,172,770.8 | |
| Obligaciones con el Público | 16,821,426.5 | 12,501,577.7 | 12,580,110.0 | 6,126,300.3 | 3,985,474.8 | 1,566,954.0 | 1,762.4 | 883,897.1 | 0.0 | 54,467,502.9 | |
| Moneda Nacional | 5,985,341.5 | 4,107,566.6 | 2,950,815.7 | 1,237,674.5 | 941,367.3 | 394,417.0 | 0.0 | 378,806.5 | 0.0 | 15,995,989.1 | |
| Depositos a la Vista | 1,836,177.8 | 1,870,923.4 | 1,870,063.1 | 275,043.5 | 278,208.0 | 54,547.9 | 0.0 | 73,180.1 | 0.0 | 6,258,143.8 | |
| Depositos de Ahorro | 1,826,942.2 | 1,351,735.7 | 837,304.1 | 711,038.6 | 535,455.1 | 101,913.5 | 0.0 | 121,680.1 | 0.0 | 5,486,069.2 | |
| Depositos a Plazo | 1,692,678.6 | 884,907.5 | 243,448.5 | 251,592.4 | 127,704.2 | 237,955.6 | 0.0 | 183,946.4 | 0.0 | 3,622,233.1 | |
| Otros Depósitos del Público | 629,542.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 629,542.9 | |
| Moneda Extranjera | 10,585,119.3 | 8,234,342.9 | 9,427,742.6 | 4,800,380.7 | 2,967,233.4 | 1,132,303.2 | 1,761.6 | 495,643.3 | 0.0 | 37,644,527.1 | |
| Depositos a la Vista | 2,075,517.6 | 2,662,603.2 | 3,155,009.8 | 571,424.1 | 528,366.1 | 76,628.8 | 0.0 | 50,642.0 | 0.0 | 9,120,191.6 | |
| Depositos de Ahorro | 3,272,752.5 | 3,342,606.3 | 3,296,303.6 | 2,389,571.2 | 1,427,082.5 | 449,775.2 | 1,619.5 | 161,992.1 | 0.0 | 14,341,703.0 | |
| Depositos a Plazo | 4,990,961.4 | 2,229,133.4 | 2,976,429.2 | 1,839,385.3 | 1,011,784.9 | 605,899.2 | 142.0 | 283,009.3 | 0.0 | 13,936,744.8 | |
| Otros Depósitos del Público | 245,887.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 245,887.8 | |
| Otras obligaciones | 147,215.8 | 108,632.7 | 137,392.0 | 42,231.0 | 49,435.7 | 21,371.1 | 0.0 | 4,353.1 | 0.0 | 510,631.5 | |
| Cargos financieros por pagar sobre obligaciones con el Público | 103,749.9 | 51,035.5 | 64,159.7 | 46,014.1 | 27,438.3 | 18,862.6 | 0.8 | 5,094.2 | 0.0 | 316,355.2 | |
| Obligaciones con Instituciones financieras y por otros financiamientos | 2,986,541.6 | 2,220,735.1 | 1,104,819.7 | 891,065.7 | 262,282.8 | 1,234,633.2 | 295,845.9 | 2,188,648.7 | 586,961.5 | 11,771,534.0 | |
| Préstamos de la Financiera Nicaraguense de Inversiones | 404,670.3 | 484,952.9 | 381,581.7 | 230,477.5 | 64,669.7 | 189,189.0 | 3,265.2 | 298,060.2 | 1,651.0 | 2,058,517.3 | |
| Préstamos del Banco Centroaméricano de Integración Económica | 589,170.1 | 500,892.8 | 367,059.5 | 360,097.1 | 140,179.9 | 102,929.0 | 13,625.8 | 192,974.6 | 140,299.6 | 2,407,228.5 | |
| Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 612,427.6 | 0.0 | 816,011.7 | 0.0 | 1,428,439.2 | |
| Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 1,992,701.1 | 1,234,889.4 | 356,178.5 | 300,491.1 | 57,433.2 | 330,087.6 | 278,954.9 | 881,602.2 | 445,010.9 | 5,877,348.9 | |
| Obligaciones con el Banco Central de Nicaragua | 177,752.8 | 92,703.3 | 0.0 | 81,175.6 | 18,796.6 | 84,748.6 | 0.0 | 0.0 | 0.0 | 455,176.9 | |
| 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 | 43,502.5 | 122,034.3 | 144,384.7 | 10,868.1 | 48,355.7 | 28,483.0 | 1,658.9 | 10,361.0 | 3,029.6 | 412,677.8 | |
| Otros pasivos y provisiones | 181,156.5 | 208,374.9 | 236,664.0 | 76,074.6 | 158,290.8 | 57,225.6 | 3,221.5 | 45,216.0 | 17,925.0 | 984,148.9 | |
| Obligaciones subordinadas | 103,159.8 | 500,605.4 | 0.0 | 144,270.8 | 0.0 | 144,936.9 | 0.0 | 147,375.4 | 41,382.0 | 1,081,730.3 | |
| 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 | 1,956,963.9 | 1,762,993.1 | 1,982,172.5 | 752,721.6 | 625,415.4 | 327,412.4 | 64,377.5 | 223,201.6 | 181,237.7 | 7,876,495.7 | |
| Capital social pagado | 1,000,000.0 | 893,400.0 | 655,000.0 | 560,000.0 | 233,000.0 | 333,678.2 | 50,000.0 | 242,355.0 | 155,520.0 | 4,122,953.2 | |
| 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 | -1,133.3 | 14,993.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14,660.0 | |
| 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 | 170,907.3 | 146,687.9 | 303,744.7 | 15,897.9 | 13,073.6 | -69,985.4 | 8,118.9 | -107,775.6 | -7,742.8 | 472,926.7 | |
| Cuentas contingentes | 5,187,468.2 | 2,152,168.0 | 2,745,540.7 | 371,834.8 | 3,005,375.3 | 620.0 | 0.0 | 45,577.2 | 0.0 | 13,508,584.2 | |
| Cuentas de orden | 26,603,719.2 | 23,959,469.6 | 3,583,206.4 | 12,033,163.7 | 2,891,213.4 | 8,142,839.7 | 1,275,531.4 | 7,408,781.9 | 2,237,258.4 | 88,135,183.6 | |
| La informacion de este Estado Financiero no ha sido auditada | |||||||||||
| TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2008 C$ 19.6062 X US$ 1.00 | |||||||||||
| TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2009 C$ 20.5858 X US$ 1.00 | |||||||||||
| 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” | |||||||||||