SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA)
	Balance de Situación (Condensado)
	Al 31 de Enero del 2010
	(Expresado en miles de Córdobas)
Descripción	BANPRO	BANCENTRO	BAC	BDF	BANCO CITIBANK	PROCREDIT	FINARCA	BANEX	FAMA	Sistema Bancario y Financiero
Activo	25,215,701.5	20,101,853.5	16,960,441.5	8,586,573.4	5,394,076.2	3,376,839.3	389,250.1	3,185,757.7	716,719.8	83,927,213.1
Disponibilidades	8,066,069.5	5,617,405.3	5,955,546.6	2,510,643.5	2,080,331.5	628,472.6	20,706.3	712,119.9	47,322.3	25,638,617.5
Moneda Nacional	2,920,567.6	852,235.3	1,120,132.8	873,349.5	467,616.1	197,633.1	1,066.1	247,227.7	18,414.2	6,698,242.4
Caja	477,148.5	233,571.0	392,485.3	50,562.2	49,580.8	71,455.2	593.3	80,230.7	3,545.0	1,359,171.9
Banco Central de Nicaragua	1,220,546.2	0.0	0.0	111,305.7	229,742.3	34,568.8	0.0	135,584.1	209.8	1,731,956.9
Depositos e Instituciones Financieras del Pais	8,938.5	0.0	0.0	460,191.8	3,710.1	33,251.3	465.8	1,019.8	14,659.4	522,236.7
Otras disponibilidades	1,213,934.3	618,664.3	727,647.5	251,289.8	184,582.8	58,357.9	7.0	30,393.2	0.0	3,084,876.9
Moneda Extranjera	5,145,501.9	4,765,170.0	4,835,413.8	1,637,294.0	1,612,715.4	430,839.5	19,640.3	464,892.2	28,908.0	18,940,375.0
Caja	254,308.1	197,154.8	361,220.8	52,647.3	75,460.1	64,573.8	923.5	55,647.2	2,425.1	1,064,360.7
Banco Central de Nicaragua	120.8	0.0	78,975.2	76,286.4	368,121.9	62,509.6	0.0	147,909.9	41.9	733,965.7
Depositos e Instituciones Financieras del Pais  1\	0.0	0.0	0.0	270,758.4	0.0	19,823.6	17,759.5	30,240.2	26,441.1	365,022.8
Depositos en Instituciones Financieras del exterior	2,726,659.7	2,530,129.1	2,033,706.5	320,121.1	666,479.1	84,030.9	462.1	200,937.2	0.0	8,562,525.7
Otras disponibilidades	2,164,413.4	2,037,886.0	2,361,511.3	917,480.7	502,654.3	199,901.6	495.1	30,157.8	0.0	8,214,500.2
Inversiones en valores, neto	5,888,151.6	4,436,632.9	865,158.6	1,033,077.9	145,057.3	0.0	6,326.2	2,112.3	123,677.0	12,500,193.7
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	127,243.9	1,259,282.0	865,158.6	95,458.2	145,057.3	0.0	0.0	0.0	0.0	2,492,200.0
Inversiones Mantenidas Hasta el Vencimiento	5,760,907.7	3,177,350.9	0.0	937,619.7	0.0	0.0	6,326.2	2,112.3	123,677.0	10,007,993.7
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
Cartera de Creditos, neta	10,303,858.8	9,161,924.8	9,552,563.8	4,762,489.4	2,930,231.6	2,258,902.8	345,172.4	2,164,810.2	496,239.2	41,976,193.1
Créditos vigentes	9,438,103.6	8,376,119.6	9,371,605.5	4,354,746.8	2,658,155.6	2,000,246.8	313,816.1	1,397,650.7	499,701.3	38,410,146.0
Créditos prorrogados	38,937.3	145,929.5	213.7	0.0	0.0	62,179.1	0.0	98,356.7	684.8	346,301.1
Créditos reestructurados	748,616.7	558,276.6	250,032.1	339,774.9	266,203.0	182,149.7	19,168.0	578,142.3	22,187.4	2,964,550.9
Créditos vencidos	253,421.2	94,932.8	128,132.7	120,817.5	117,494.4	60,532.9	13,579.1	213,550.2	56,255.9	1,058,716.8
Créditos en cobro judicial	65,593.3	101,660.0	62,215.9	25,609.2	20,553.8	11,722.7	7,506.7	55,732.2	23,332.1	373,925.9
Intereses y Comisiones por Cobrar sobre Creditos	172,614.0	259,377.4	117,563.3	83,887.8	72,612.8	89,709.1	4,882.7	92,334.5	11,687.5	904,669.1
Provisiones por incobrabilidad de cartera de creditos	-413,427.4	-374,371.1	-377,199.4	-162,346.8	-204,788.0	-147,637.5	-13,780.2	-270,956.4	-117,609.9	-2,082,116.8
Otras cuentas por cobrar, neto	76,878.4	236,143.8	54,780.3	18,305.0	76,441.6	20,023.1	797.1	10,830.7	1,578.1	495,778.1
Bienes de uso, neto	630,018.2	175,293.0	422,449.2	84,167.8	65,869.8	332,325.1	9,410.6	37,413.8	11,970.1	1,768,917.7
Bienes recibidos en recuperacion de creditos, neto	54,559.8	107,435.0	2,270.2	23,743.9	3,254.3	71,746.8	5,758.4	192,760.4	3,546.0	465,074.7
Invesiones permanentes en acciones	48,556.2	179,156.5	31,772.3	5,791.9	28,314.9	0.0	0.0	2,088.2	0.0	295,680.0
Otros activos neto	147,609.0	187,862.2	75,900.5	148,354.0	64,575.3	65,368.9	1,079.1	63,622.2	32,387.2	786,758.3
Pasivo	23,173,499.0	18,276,768.4	15,002,812.0	7,810,029.4	4,742,845.2	3,082,688.8	324,116.1	3,011,747.4	583,031.7	76,007,537.9
Obligaciones con el Público	19,172,719.8	15,176,876.8	13,666,499.0	6,584,351.8	4,092,181.9	1,598,591.7	2,336.9	819,809.8	0.0	61,113,367.7
Moneda Nacional	6,420,349.4	4,654,000.2	3,707,687.9	1,368,596.0	1,024,479.4	343,334.8	0.0	394,650.5	0.0	17,913,098.0
Depositos a la Vista	2,606,366.9	2,416,792.3	2,146,630.2	285,540.2	294,976.2	103,815.4	0.0	87,318.3	0.0	7,941,439.5
Depositos de Ahorro	1,759,571.3	1,379,736.4	1,386,945.6	830,161.3	538,591.5	127,405.2	0.0	120,813.6	0.0	6,143,224.9
Depositos a Plazo	1,311,582.9	857,471.6	174,112.1	252,894.5	190,911.6	112,114.2	0.0	186,518.6	0.0	3,085,605.4
Otros Depósitos del Público	742,828.3	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	742,828.3
Moneda Extranjera	12,463,482.7	10,367,096.2	9,782,462.8	5,115,134.0	3,011,796.7	1,218,865.0	2,335.5	408,045.0	0.0	42,369,218.0
Depositos a la Vista	2,426,408.0	4,295,175.5	3,189,285.6	461,082.7	536,092.8	78,310.9	0.0	41,116.5	0.0	11,027,471.9
Depositos de Ahorro	4,589,700.2	3,685,877.1	3,543,798.3	2,468,563.0	1,432,302.9	501,433.4	2,220.4	165,542.5	0.0	16,389,437.8
Depositos a Plazo	5,186,255.9	2,386,043.7	3,049,378.9	2,185,488.3	1,043,401.0	639,120.7	115.1	201,386.0	0.0	14,691,189.6
Otros Depósitos del Público	261,118.6	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	261,118.6
Otras obligaciones	185,914.2	104,251.1	108,323.4	44,662.2	29,405.8	16,368.5	0.0	12,787.7	0.0	501,713.0
Cargos financieros por pagar sobre obligaciones con el Público	102,973.4	51,529.3	68,024.9	55,959.6	26,500.1	20,023.5	1.4	4,326.5	0.0	329,338.7
Obligaciones con Instituciones financieras y por otros financiamientos	3,459,354.6	2,217,349.2	964,102.0	865,396.6	273,697.2	1,212,510.3	317,145.5	1,886,107.9	524,351.8	11,720,015.2
Préstamos de la Financiera Nicaraguense de Inversiones	390,530.2	459,750.4	284,588.5	206,114.2	59,120.7	202,451.7	2,650.8	268,885.6	1,242.2	1,875,334.2
Préstamos del Banco Centroaméricano de Integración Económica	552,338.2	465,094.6	351,042.9	363,249.7	136,044.5	146,489.0	10,064.9	176,138.6	102,313.8	2,302,776.3
Préstamos de Otras Instituciones Financieras del Exterior	0.0	0.0	0.0	0.0	0.0	565,029.0	0.0	709,870.0	0.0	1,274,899.0
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.	2,516,486.2	1,292,504.2	328,470.5	296,032.8	78,532.0	298,540.6	304,429.8	731,213.7	420,795.8	6,267,005.7
Obligaciones con el Banco Central de Nicaragua	183,666.7	87,923.9	0.0	131,726.4	19,326.4	36,330.0	0.0	0.0	0.0	458,973.4
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	48,753.4	97,472.8	166,773.0	9,646.3	78,311.0	44,601.9	1,230.1	10,530.3	3,756.3	461,074.8
Otros pasivos y provisiones	203,715.5	192,835.4	205,438.1	71,637.9	279,328.6	49,167.7	3,403.6	41,309.1	12,846.3	1,059,682.3
Obligaciones subordinadas	105,289.1	504,310.3	0.0	147,270.4	0.0	141,487.2	0.0	253,990.2	42,077.2	1,194,424.5
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	2,042,202.5	1,825,085.1	1,957,629.5	776,544.0	651,231.1	294,150.5	65,134.0	174,010.3	133,688.2	7,919,675.2
Capital social pagado	1,000,000.0	893,400.0	655,000.0	560,000.0	233,000.0	399,410.8	50,000.0	294,247.8	179,520.0	4,264,578.6
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	19.7	0.0	155,872.4	0.0	155,892.7
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	-15,075.0	800.0	0.0	0.0	0.0	0.0	0.0	0.0	-15,408.2
Reservas patrimoniales	336,769.3	289,893.5	376,008.1	128,192.5	148,542.7	32,871.6	6,033.0	41,285.8	5,910.9	1,365,507.4
Resultados acumulados de ejercicios anteriores	694,013.2	627,736.0	896,808.8	83,402.5	267,178.3	-130,652.2	7,728.5	-271,213.3	-49,182.4	2,125,819.4
Resultados del Periodo	12,553.2	29,130.0	29,012.6	4,949.1	2,510.1	-7,499.3	1,372.5	-46,182.4	-2,560.3	23,285.4
Cuentas contingentes	5,435,288.2	3,024,815.3	2,857,584.7	356,452.8	3,096,012.4	2,293.0	0.0	44,642.2	0.0	14,817,088.6
Cuentas de orden	26,996,276.7	24,870,672.2	4,736,163.2	12,806,721.6	3,068,321.4	8,113,071.6	1,233,159.9	7,610,062.0	2,137,690.9	91,572,139.5
La informacion de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2009 C$ 19.9305 X US$ 1.00
TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2010 C$ 20.9270 X US$ 1.00
1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”