|
SISTEMA BANCARIO
Y FINANCIERAS (EN PERSPECTIVA) |
| |
Balance de
Situación (Condensado) |
| |
Al 31 de Octubre
del 2009 |
| |
(Expresado en
miles de Córdobas) |
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
FAMA |
Sistema Bancario y Financiero |
| Activo |
22,851,299.1 |
17,508,145.9 |
15,968,487.9 |
8,123,342.0 |
5,082,946.0 |
3,371,533.8 |
391,149.6 |
3,437,139.2 |
805,483.3 |
77,539,526.9 |
| Disponibilidades |
5,607,126.5 |
4,616,958.9 |
5,152,760.8 |
2,207,347.5 |
1,740,346.9 |
505,480.0 |
22,342.7 |
638,289.3 |
39,031.9 |
20,529,684.6 |
| Moneda
Nacional |
1,956,629.1 |
1,329,194.4 |
1,145,524.0 |
421,304.0 |
326,027.8 |
111,871.7 |
764.6 |
163,248.2 |
27,704.6 |
5,482,268.3 |
| Caja |
423,684.8 |
178,436.4 |
416,985.1 |
42,265.0 |
48,574.1 |
45,296.1 |
230.3 |
66,805.1 |
5,393.4 |
1,227,670.3 |
| Banco
Central de Nicaragua |
404,411.1 |
326,238.4 |
0.0 |
1,986.9 |
101,754.2 |
8,639.0 |
0.0 |
76,639.0 |
210.0 |
919,878.5 |
| Depositos
e Instituciones Financieras del Pais |
5,819.1 |
0.0 |
0.0 |
129,326.2 |
5,054.6 |
651.6 |
527.4 |
890.6 |
22,101.1 |
164,370.5 |
| Otras
disponibilidades |
1,122,714.1 |
824,519.7 |
728,538.9 |
247,725.9 |
170,644.8 |
57,285.0 |
7.0 |
18,913.5 |
0.0 |
3,170,348.9 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
3,650,497.4 |
3,287,764.4 |
4,007,236.9 |
1,786,043.5 |
1,414,319.1 |
393,608.4 |
21,578.1 |
475,041.1 |
11,327.3 |
15,047,416.3 |
| Caja |
203,915.1 |
141,885.9 |
362,906.9 |
59,488.8 |
88,729.6 |
59,045.7 |
2,432.4 |
55,313.8 |
2,743.5 |
976,461.6 |
| Banco
Central de Nicaragua |
128,964.4 |
128,487.4 |
99,574.6 |
115,249.1 |
84,566.5 |
37,463.1 |
0.0 |
177,769.5 |
41.3 |
772,116.0 |
| Depositos
e Instituciones Financieras del Pais 1\ |
0.0 |
0.0 |
0.0 |
263,873.0 |
0.0 |
12,663.0 |
18,533.5 |
25,204.2 |
8,542.5 |
328,816.1 |
| Depositos
en Instituciones Financieras del exterior |
1,348,438.3 |
1,470,450.5 |
706,163.4 |
300,928.2 |
718,172.3 |
96,570.9 |
301.6 |
174,922.9 |
0.0 |
4,815,948.2 |
| Otras
disponibilidades |
1,969,179.7 |
1,546,940.7 |
2,838,591.9 |
1,046,504.5 |
522,850.7 |
187,865.6 |
310.7 |
41,830.7 |
0.0 |
8,154,074.4 |
| |
|
|
|
|
|
|
|
|
|
|
| Inversiones
en valores, neto |
5,972,411.0 |
3,253,959.1 |
813,108.0 |
1,007,052.0 |
123,710.6 |
0.0 |
0.0 |
116,311.6 |
138,544.6 |
11,425,097.0 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
0.0 |
42,746.9 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
42,746.9 |
| Inversiones
Disponibles para la Venta |
58,880.6 |
913,737.8 |
813,108.0 |
132,438.3 |
123,710.6 |
0.0 |
0.0 |
20,713.4 |
0.0 |
2,062,588.7 |
| Inversiones
Mantenidas Hasta el Vencimiento |
5,913,530.5 |
2,297,474.4 |
0.0 |
874,613.7 |
0.0 |
0.0 |
0.0 |
95,598.2 |
138,544.6 |
9,319,761.4 |
| |
|
|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
5,611.9 |
0.0 |
5,611.9 |
| |
|
|
|
|
|
|
|
|
|
|
| Cartera
de Creditos, neta |
10,344,361.0 |
8,764,139.9 |
9,432,686.2 |
4,622,312.6 |
3,038,075.2 |
2,415,104.5 |
345,308.7 |
2,432,974.7 |
577,606.9 |
41,972,569.7 |
| Créditos
vigentes |
9,671,652.6 |
7,894,562.9 |
9,366,605.2 |
4,232,783.4 |
2,759,894.5 |
2,118,051.8 |
315,946.4 |
1,737,561.5 |
559,812.2 |
38,656,870.6 |
| Créditos
prorrogados |
47,209.2 |
221,685.2 |
9,282.9 |
0.0 |
0.0 |
68,095.2 |
0.0 |
218,033.4 |
863.1 |
565,169.0 |
| Créditos
reestructurados |
546,176.7 |
404,572.5 |
81,588.1 |
332,737.9 |
264,676.2 |
134,551.8 |
24,647.3 |
269,837.6 |
22,435.6 |
2,081,223.7 |
| Créditos
vencidos |
193,589.3 |
188,965.5 |
152,725.3 |
122,652.9 |
154,755.0 |
101,772.1 |
5,655.5 |
138,997.4 |
51,026.8 |
1,110,139.9 |
| Créditos
en cobro judicial |
89,807.6 |
137,293.2 |
73,938.3 |
13,324.1 |
10,804.1 |
31,882.9 |
6,674.2 |
115,350.6 |
19,036.2 |
498,111.3 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
160,389.9 |
250,443.9 |
94,379.9 |
80,194.7 |
73,992.5 |
98,126.0 |
4,297.5 |
133,471.3 |
13,435.8 |
908,731.6 |
| Provisiones
por incobrabilidad de cartera de creditos |
-364,464.4 |
-333,383.4 |
-345,833.6 |
-159,380.4 |
-226,047.2 |
-137,375.4 |
-11,912.2 |
-180,277.1 |
-89,002.7 |
-1,847,676.4 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
cuentas por cobrar, neto |
78,491.8 |
196,989.1 |
51,654.5 |
17,629.5 |
39,533.6 |
19,499.7 |
1,032.4 |
15,928.2 |
3,410.4 |
424,169.2 |
| Bienes
de uso, neto |
645,872.8 |
171,133.5 |
412,908.0 |
93,083.2 |
66,471.4 |
330,200.0 |
9,524.9 |
38,950.5 |
11,204.1 |
1,779,348.5 |
| Bienes
recibidos en recuperacion de creditos, neto |
29,378.5 |
80,947.9 |
3,877.8 |
17,285.0 |
5,294.4 |
49,193.9 |
9,276.1 |
117,919.6 |
2,794.7 |
315,967.7 |
| Invesiones
permanentes en acciones |
45,834.8 |
179,156.5 |
31,196.3 |
5,540.5 |
25,686.7 |
0.0 |
0.0 |
2,088.2 |
0.0 |
289,502.9 |
| Otros
activos neto |
127,822.7 |
244,861.1 |
70,296.2 |
153,091.7 |
43,827.2 |
52,055.7 |
3,664.7 |
69,065.2 |
32,890.7 |
797,575.2 |
| Pasivo |
20,883,913.6 |
15,791,950.8 |
13,965,084.2 |
7,362,155.7 |
4,455,976.0 |
3,047,909.5 |
324,286.1 |
3,284,883.1 |
633,223.6 |
69,749,382.6 |
| Obligaciones
con el Público |
17,270,399.5 |
12,649,851.7 |
12,557,533.2 |
6,162,659.0 |
3,961,391.6 |
1,525,493.4 |
1,759.3 |
876,651.4 |
0.0 |
55,005,739.0 |
| Moneda
Nacional |
5,876,103.0 |
4,308,898.7 |
2,994,134.5 |
1,208,564.8 |
938,276.2 |
343,265.4 |
0.0 |
395,523.9 |
0.0 |
16,064,766.4 |
| Depositos
a la Vista |
1,904,230.4 |
2,182,044.6 |
1,981,194.6 |
240,838.8 |
283,350.8 |
55,261.9 |
0.0 |
76,632.9 |
0.0 |
6,723,554.0 |
| Depositos
de Ahorro |
1,814,412.5 |
1,310,302.3 |
830,258.9 |
674,138.4 |
537,868.4 |
106,738.5 |
0.0 |
130,363.3 |
0.0 |
5,404,082.3 |
| Depositos
a Plazo |
1,508,651.3 |
816,551.8 |
182,680.9 |
293,587.6 |
117,056.9 |
181,264.9 |
0.0 |
188,527.7 |
0.0 |
3,288,321.2 |
| Otros
Depósitos del Público |
648,808.9 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
648,808.9 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
11,138,406.6 |
8,181,380.7 |
9,351,767.4 |
4,844,458.2 |
2,953,242.9 |
1,153,982.8 |
1,758.1 |
467,517.3 |
0.0 |
38,092,513.9 |
| Depositos
a la Vista |
2,496,431.7 |
2,497,722.5 |
3,122,654.9 |
404,729.9 |
539,599.7 |
73,308.5 |
0.0 |
53,413.9 |
0.0 |
9,187,861.2 |
| Depositos
de Ahorro |
3,302,490.0 |
3,425,109.0 |
3,218,216.9 |
2,604,069.5 |
1,394,585.6 |
464,872.9 |
1,615.5 |
183,304.4 |
0.0 |
14,594,263.9 |
| Depositos
a Plazo |
5,043,139.1 |
2,258,549.2 |
3,010,895.5 |
1,835,658.8 |
1,019,057.5 |
615,801.4 |
142.6 |
230,798.9 |
0.0 |
14,014,043.1 |
| Otros
Depósitos del Público |
296,345.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
296,345.7 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
obligaciones |
149,380.4 |
107,531.0 |
144,597.9 |
59,123.6 |
40,667.5 |
10,267.6 |
0.0 |
9,141.5 |
0.0 |
520,709.5 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
106,509.4 |
52,041.3 |
67,033.4 |
50,512.3 |
29,205.0 |
17,977.6 |
1.2 |
4,468.8 |
0.0 |
327,749.1 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con Instituciones financieras y por otros financiamientos |
3,092,843.8 |
2,218,597.9 |
1,013,564.5 |
871,708.1 |
260,733.5 |
1,205,742.7 |
316,863.0 |
2,204,912.3 |
570,291.4 |
11,755,257.3 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
396,101.9 |
473,533.3 |
343,539.4 |
226,362.1 |
62,247.1 |
176,656.7 |
3,114.2 |
314,586.4 |
1,537.9 |
1,997,678.9 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
582,134.2 |
487,602.2 |
363,467.9 |
354,357.8 |
139,936.4 |
103,356.5 |
12,981.1 |
188,866.7 |
133,811.2 |
2,366,514.0 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
599,467.7 |
0.0 |
819,400.9 |
0.0 |
1,418,868.6 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
2,114,607.8 |
1,257,462.4 |
306,557.2 |
290,988.3 |
58,550.0 |
326,261.8 |
300,767.7 |
882,058.4 |
434,942.3 |
5,972,195.8 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con el Banco Central de Nicaragua |
180,659.7 |
92,942.1 |
0.0 |
91,745.4 |
18,858.4 |
85,163.4 |
0.0 |
0.0 |
0.0 |
469,369.1 |
| 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 |
48,706.4 |
125,274.1 |
150,817.6 |
10,798.2 |
59,320.4 |
25,291.5 |
2,159.0 |
8,113.9 |
3,136.6 |
433,617.8 |
| Otros
pasivos y provisiones |
187,309.8 |
205,990.0 |
243,168.9 |
79,786.3 |
155,672.1 |
59,301.2 |
3,504.8 |
45,981.1 |
18,232.5 |
998,946.7 |
| Obligaciones
subordinadas |
103,994.4 |
499,295.0 |
0.0 |
145,458.6 |
0.0 |
146,917.3 |
0.0 |
149,224.3 |
41,563.1 |
1,086,452.8 |
| 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 |
1,967,385.5 |
1,716,195.2 |
2,003,403.6 |
761,186.3 |
626,970.1 |
323,624.3 |
66,863.5 |
152,256.1 |
172,259.7 |
7,790,144.2 |
| 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 |
11.9 |
0.0 |
3,859.5 |
24,000.0 |
27,872.1 |
| 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 |
-44,894.5 |
800.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
-45,227.7 |
| 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 |
422,803.6 |
702,827.0 |
53,846.9 |
236,256.0 |
30,847.8 |
225.6 |
43,476.8 |
3,549.5 |
1,944,253.7 |
| Resultados
del Periodo |
181,328.9 |
154,991.9 |
324,975.8 |
24,362.6 |
14,628.2 |
-73,785.2 |
10,605.0 |
-178,721.1 |
-16,720.7 |
441,665.5 |
| Cuentas
contingentes |
5,538,750.4 |
2,512,242.2 |
2,683,038.9 |
387,022.4 |
2,986,142.4 |
622.4 |
0.0 |
45,101.6 |
0.0 |
14,152,920.4 |
| Cuentas
de orden |
26,340,648.2 |
24,347,533.5 |
3,479,249.6 |
11,881,800.1 |
2,955,962.9 |
8,192,623.2 |
1,259,617.5 |
7,460,978.3 |
2,203,496.5 |
88,121,909.9 |
| La
informacion de este Estado Financiero no ha sido auditada |
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| TIPO
DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2008 C$ 19.6874 X US$ 1.00 |
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| TIPO
DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2009 C$ 20.6713 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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