|
SISTEMA BANCARIO Y
FINANCIERAS (EN PERSPECTIVA) |
| |
Balance de Situación
(Condensado) |
| |
Al 30 de Abril del
2010 |
| |
(Expresado en miles
de Córdobas) |
| Descripción |
BANPRO |
BANCENTRO |
BAC |
BDF |
BANCO CITIBANK |
PROCREDIT |
FINARCA |
BANEX |
FAMA |
Sistema Bancario y Financiero |
| Activo |
25,469,348.5 |
22,780,838.1 |
17,489,575.0 |
8,740,370.7 |
5,216,156.3 |
3,251,845.4 |
368,555.9 |
2,943,003.4 |
640,279.8 |
86,899,973.1 |
| Disponibilidades |
7,194,438.1 |
7,538,543.6 |
6,321,105.6 |
2,381,553.0 |
1,898,161.6 |
680,008.3 |
19,029.8 |
717,935.5 |
33,358.2 |
26,784,133.6 |
| Moneda
Nacional |
2,022,569.1 |
1,837,826.5 |
1,128,430.7 |
451,426.4 |
246,526.3 |
121,524.4 |
1,736.8 |
158,266.9 |
17,146.3 |
5,985,453.4 |
| Caja |
548,557.3 |
224,106.6 |
423,503.0 |
76,206.7 |
45,897.0 |
52,600.8 |
89.6 |
89,309.1 |
2,271.1 |
1,462,541.2 |
| Banco
Central de Nicaragua |
303,374.8 |
645,921.4 |
0.0 |
84,610.0 |
13,167.3 |
10,946.4 |
0.0 |
54,804.3 |
209.8 |
1,113,034.0 |
| Depositos
e Instituciones Financieras del Pais |
4,945.1 |
4,014.5 |
0.0 |
43,888.9 |
4,784.3 |
11,883.9 |
1,640.5 |
1,103.4 |
14,665.4 |
86,926.1 |
| Otras
disponibilidades |
1,165,691.9 |
963,783.9 |
704,927.8 |
246,720.8 |
182,677.7 |
46,093.3 |
6.7 |
13,050.0 |
0.0 |
3,322,952.1 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
5,171,869.0 |
5,700,717.1 |
5,192,674.8 |
1,930,126.6 |
1,651,635.3 |
558,483.9 |
17,293.0 |
559,668.6 |
16,211.9 |
20,798,680.2 |
| Caja |
236,336.7 |
250,977.3 |
334,119.4 |
75,513.0 |
75,427.9 |
65,835.9 |
157.3 |
49,445.6 |
2,436.0 |
1,090,249.1 |
| Banco
Central de Nicaragua |
115,851.1 |
277,215.6 |
33,618.5 |
117,614.2 |
443,748.4 |
95,843.3 |
0.0 |
263,689.7 |
42.4 |
1,347,623.1 |
| Depositos
e Instituciones Financieras del Pais 1\ |
0.0 |
0.0 |
0.0 |
491,315.1 |
0.0 |
53,194.1 |
16,556.7 |
9,414.6 |
13,733.6 |
584,214.1 |
| Depositos
en Instituciones Financieras del exterior |
2,637,206.6 |
3,008,392.8 |
2,452,156.8 |
328,402.1 |
626,135.6 |
115,089.3 |
571.5 |
183,440.3 |
0.0 |
9,351,395.0 |
| Otras
disponibilidades |
2,182,474.5 |
2,164,131.4 |
2,372,780.2 |
917,282.3 |
506,323.4 |
228,521.3 |
7.5 |
53,678.3 |
0.0 |
8,425,198.9 |
| |
|
|
|
|
|
|
|
|
|
|
| Inversiones
en valores, neto |
6,639,754.4 |
5,768,489.8 |
993,504.8 |
1,281,149.8 |
294,557.9 |
0.0 |
0.0 |
2,137.5 |
81,442.6 |
15,061,036.9 |
| Inversiones
al Valor Razonable con Cambios en Resultados |
0.0 |
42,467.7 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
42,467.7 |
| Inversiones
Disponibles para la Venta |
123,140.2 |
1,306,475.8 |
993,504.8 |
308,957.9 |
294,557.9 |
0.0 |
0.0 |
0.0 |
0.0 |
3,026,636.6 |
| Inversiones
Mantenidas Hasta el Vencimiento |
6,516,614.3 |
4,419,546.3 |
0.0 |
972,191.9 |
0.0 |
0.0 |
0.0 |
2,137.5 |
81,442.6 |
11,991,932.6 |
| |
|
|
|
|
|
|
|
|
|
|
| Operaciones
con Reportos y Valores Derivados |
200,082.3 |
0.0 |
0.0 |
24,844.8 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
224,927.0 |
| |
|
|
|
|
|
|
|
|
|
|
| Cartera
de Creditos, neta |
10,454,049.1 |
8,528,155.5 |
9,633,409.5 |
4,780,060.3 |
2,844,682.7 |
2,084,092.9 |
331,937.4 |
1,890,968.5 |
473,197.4 |
41,020,553.2 |
| Créditos
vigentes |
9,517,967.8 |
7,667,632.8 |
9,459,433.0 |
4,373,852.1 |
2,588,964.7 |
1,851,745.6 |
300,841.8 |
1,248,729.4 |
466,630.0 |
37,475,797.1 |
| Créditos
prorrogados |
50,674.7 |
113,507.3 |
16,549.6 |
0.0 |
0.0 |
29,267.7 |
400.8 |
45,005.7 |
595.5 |
256,001.3 |
| Créditos
reestructurados |
727,674.3 |
703,861.6 |
250,136.8 |
329,633.3 |
268,381.8 |
214,025.9 |
20,486.0 |
581,774.6 |
30,053.4 |
3,126,027.6 |
| Créditos
vencidos |
249,561.5 |
145,896.5 |
116,101.4 |
138,828.9 |
94,193.7 |
49,198.1 |
3,631.3 |
188,996.5 |
40,475.4 |
1,026,883.3 |
| Créditos
en cobro judicial |
42,081.5 |
108,969.3 |
71,889.8 |
28,034.7 |
20,441.6 |
13,360.2 |
15,089.2 |
74,999.3 |
29,437.2 |
404,302.8 |
| Intereses
y Comisiones por Cobrar sobre Creditos |
163,392.2 |
184,601.7 |
89,182.5 |
78,452.9 |
64,195.1 |
67,165.8 |
3,999.5 |
78,266.3 |
9,566.1 |
738,822.1 |
| Provisiones
por incobrabilidad de cartera de creditos |
-297,302.8 |
-396,313.8 |
-369,883.7 |
-168,741.6 |
-191,494.1 |
-140,670.4 |
-12,511.2 |
-326,803.3 |
-103,560.1 |
-2,007,280.9 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
cuentas por cobrar, neto |
82,293.8 |
191,983.4 |
59,553.6 |
20,409.9 |
27,990.7 |
16,115.4 |
2,514.6 |
6,889.2 |
1,142.8 |
408,893.2 |
| Bienes
de uso, neto |
625,367.3 |
173,967.3 |
417,009.4 |
77,894.2 |
63,912.2 |
336,578.5 |
9,281.0 |
36,400.8 |
12,055.3 |
1,752,466.0 |
| Bienes
recibidos en recuperacion de creditos, neto |
86,111.0 |
130,287.0 |
3,529.4 |
22,913.5 |
2,517.7 |
78,368.5 |
4,909.8 |
221,207.2 |
5,786.2 |
555,630.3 |
| Invesiones
permanentes en acciones |
48,594.6 |
251,085.6 |
31,666.3 |
4,591.6 |
28,314.9 |
0.0 |
0.0 |
0.0 |
0.0 |
364,253.0 |
| Otros
activos neto |
138,657.9 |
198,326.0 |
29,796.5 |
146,953.7 |
56,018.7 |
56,681.9 |
883.2 |
67,464.6 |
33,297.4 |
728,079.8 |
| Pasivo |
23,387,856.5 |
20,802,979.9 |
15,423,045.8 |
7,954,315.2 |
4,531,304.0 |
3,033,262.1 |
297,585.6 |
2,936,114.5 |
514,291.8 |
78,880,755.4 |
| Obligaciones
con el Público |
19,686,980.3 |
17,173,943.2 |
13,727,245.1 |
6,812,030.1 |
4,061,501.6 |
1,731,542.0 |
0.0 |
788,909.0 |
0.0 |
63,982,151.3 |
| Moneda
Nacional |
6,448,700.1 |
5,484,676.7 |
3,086,986.5 |
1,308,790.1 |
1,035,056.7 |
265,457.3 |
0.0 |
349,400.8 |
0.0 |
17,979,068.1 |
| Depositos
a la Vista |
2,419,032.2 |
2,897,470.4 |
2,200,839.8 |
326,594.3 |
361,405.4 |
83,240.6 |
0.0 |
86,853.4 |
0.0 |
8,375,436.1 |
| Depositos
de Ahorro |
2,474,118.5 |
1,453,372.3 |
773,049.2 |
733,595.3 |
552,879.5 |
136,141.2 |
0.0 |
135,474.6 |
0.0 |
6,258,630.6 |
| Depositos
a Plazo |
1,555,549.4 |
1,133,834.1 |
113,097.5 |
248,600.5 |
120,771.8 |
46,075.4 |
0.0 |
127,072.7 |
0.0 |
3,345,001.4 |
| Otros
Depósitos del Público |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| |
|
|
|
|
|
|
|
|
|
|
| Moneda
Extranjera |
12,953,913.9 |
11,520,908.7 |
10,469,219.4 |
5,414,008.9 |
2,971,289.1 |
1,434,229.8 |
0.0 |
429,644.0 |
0.0 |
45,193,213.7 |
| Depositos
a la Vista |
2,664,600.7 |
4,937,212.1 |
3,264,347.1 |
616,681.4 |
549,965.1 |
126,857.6 |
0.0 |
42,029.8 |
0.0 |
12,201,693.8 |
| Depositos
de Ahorro |
5,109,967.7 |
3,969,319.8 |
4,157,803.7 |
2,895,680.7 |
1,486,788.7 |
578,730.5 |
0.0 |
166,600.1 |
0.0 |
18,364,891.2 |
| Depositos
a Plazo |
5,179,345.4 |
2,614,376.7 |
3,047,068.6 |
1,901,646.8 |
934,535.3 |
728,641.7 |
0.0 |
221,014.1 |
0.0 |
14,626,628.6 |
| Otros
Depósitos del Público |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| |
|
|
|
|
|
|
|
|
|
|
| Otras
obligaciones |
179,730.2 |
118,632.4 |
105,476.6 |
39,399.9 |
32,060.3 |
11,110.9 |
0.0 |
5,661.7 |
0.0 |
492,072.0 |
| Cargos
financieros por pagar sobre obligaciones con el Público |
104,636.1 |
49,725.4 |
65,562.6 |
49,831.3 |
23,095.5 |
20,744.0 |
0.0 |
4,202.6 |
0.0 |
317,797.5 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con Instituciones financieras y por otros financiamientos |
3,144,580.3 |
2,709,562.5 |
1,210,921.2 |
776,499.1 |
217,656.7 |
1,039,788.7 |
291,198.6 |
1,831,762.0 |
451,746.8 |
11,673,715.8 |
| Préstamos
de la Financiera Nicaraguense de Inversiones |
260,060.3 |
464,951.1 |
262,671.2 |
188,923.9 |
35,428.7 |
167,471.7 |
2,305.2 |
231,853.5 |
961.8 |
1,614,627.3 |
| Préstamos
del Banco Centroaméricano de Integración Económica |
522,754.3 |
444,134.9 |
338,121.5 |
345,247.2 |
131,982.7 |
105,887.5 |
8,395.4 |
178,247.0 |
77,889.4 |
2,152,659.9 |
| Préstamos
de Otras Instituciones Financieras del Exterior |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
487,082.5 |
0.0 |
687,474.6 |
0.0 |
1,174,557.1 |
| Otras
Obligaciones con Instituciones Financieras y por Otros Financiamientos. |
2,361,765.7 |
1,800,476.5 |
610,128.6 |
242,328.0 |
50,245.3 |
279,347.0 |
280,498.0 |
734,186.9 |
372,895.6 |
6,731,871.5 |
| |
|
|
|
|
|
|
|
|
|
|
| Obligaciones
con el Banco Central de Nicaragua |
187,273.6 |
91,508.1 |
0.0 |
129,752.7 |
0.0 |
36,761.0 |
0.0 |
0.0 |
0.0 |
445,295.4 |
| Operaciones
con Reportos y Valores Derivados |
0.0 |
0.0 |
150,049.3 |
0.0 |
50,030.6 |
0.0 |
0.0 |
0.0 |
0.0 |
200,079.9 |
| Otras
cuentas por pagar |
53,168.5 |
107,794.8 |
116,745.0 |
11,359.0 |
54,798.9 |
28,940.6 |
2,557.1 |
12,859.8 |
6,966.4 |
395,190.1 |
| Otros
pasivos y provisiones |
209,317.6 |
213,101.1 |
218,085.2 |
75,674.4 |
147,316.3 |
48,994.6 |
3,829.8 |
39,533.9 |
13,007.2 |
968,860.0 |
| Obligaciones
subordinadas |
106,536.2 |
507,070.2 |
0.0 |
148,999.9 |
0.0 |
147,235.3 |
0.0 |
263,049.8 |
42,571.5 |
1,215,462.9 |
| 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 |
2,081,492.0 |
1,977,858.3 |
2,066,529.3 |
786,055.5 |
684,852.3 |
218,583.2 |
70,970.3 |
6,888.9 |
125,988.0 |
8,019,217.7 |
| Capital
social pagado |
1,000,000.0 |
893,400.0 |
655,000.0 |
560,000.0 |
233,000.0 |
399,430.3 |
50,000.0 |
446,255.1 |
179,520.0 |
4,416,605.4 |
| 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 |
3,865.1 |
0.0 |
3,865.9 |
| 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 |
-1,488.8 |
18,639.1 |
800.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
17,950.3 |
| Reservas
patrimoniales |
373,042.6 |
331,422.7 |
376,008.1 |
128,192.5 |
149,118.5 |
32,871.6 |
7,158.4 |
41,285.8 |
13,910.9 |
1,453,011.1 |
| Resultados
acumulados de ejercicios anteriores |
655,646.8 |
650,130.3 |
896,808.8 |
83,402.5 |
270,441.2 |
-135,501.3 |
6,603.1 |
-305,842.6 |
-50,143.9 |
2,071,544.9 |
| Resultados
del Periodo |
54,291.5 |
84,265.5 |
137,912.4 |
14,460.5 |
32,292.6 |
-78,217.6 |
7,208.8 |
-178,674.6 |
-17,299.0 |
56,240.1 |
| Cuentas
contingentes |
5,169,221.7 |
2,789,068.5 |
2,848,730.3 |
63,499.0 |
3,128,521.6 |
2,461.2 |
0.0 |
35,720.2 |
0.0 |
14,037,222.4 |
| Cuentas
de orden |
28,138,070.8 |
22,540,006.6 |
4,776,063.0 |
13,377,046.1 |
3,006,131.4 |
7,145,133.2 |
1,147,880.7 |
7,373,237.1 |
2,081,020.6 |
89,584,589.6 |
| La
informacion de este Estado Financiero no ha sido auditada |
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| TIPO DE
CAMBIO OFICIAL AL 30 DE ABRIL DE 2009 C$ 20.1690 X US$ 1.00 |
|
| TIPO DE
CAMBIO OFICIAL AL 30 DE ABRIL DE 2010 C$ 21.1775 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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