| SUPERINTENDENCIA DE BANCOS Y DE OTRAS INSTITUCIONES
FINANCIERAS |
| SISTEMA
BANCARIO Y FINANCIERAS (CONSOLIDADO) |
| Riesgo
Crediticio |
| Al 31 de Mayo de 2012 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Cartera de
Créditos por Situación |
|
|
|
|
|
Cartera Vencida y en Cobro Judicial de cada
Actividad |
|
|
|
|
|
|
| Como porcentaje
del saldo de cartera bruta |
|
|
|
|
|
|
Como porcentaje del saldo de cartera bruta de
cada actividad |
|
|
|
|
|
|
|
| (En porcentaje) |
Vigentes |
Prorrogados |
Reestructurado |
Vencido |
Cobro Judicial |
|
|
(En porcentaje) |
Comercial |
Personal |
Extra Financiamiento |
Tarjeta de Credito |
Agricola |
Ganadero |
Industrial |
Hipotecario |
Otros |
|
|
|
|
|
|
| Banpro |
93.7 |
0.0 |
3.6 |
0.4 |
2.1 |
|
|
Banpro |
|
1.0 |
0.0 |
0.0 |
0.9 |
0.3 |
2.3 |
7.2 |
1.9 |
0.0 |
| Banco Lafise Bancentro |
94.9 |
0.1 |
3.4 |
0.3 |
1.3 |
|
|
Banco
Lafise Bancentro |
0.5 |
0.1 |
0.0 |
0.6 |
0.7 |
1.9 |
6.1 |
1.0 |
0.0 |
| Bac |
96.9 |
0.0 |
0.9 |
0.4 |
1.8 |
|
|
Bac |
|
1.7 |
0.0 |
0.6 |
0.7 |
0.4 |
2.3 |
5.7 |
2.2 |
0.0 |
| Bdf |
94.9 |
0.0 |
3.5 |
0.7 |
0.9 |
|
|
Bdf |
|
2.1 |
0.0 |
0.0 |
14.0 |
2.0 |
0.0 |
0.0 |
1.9 |
0.0 |
| Banco
Citibank |
92.5 |
0.0 |
5.9 |
1.5 |
0.2 |
|
|
Banco
Citibank |
0.4 |
0.0 |
0.1 |
0.7 |
4.0 |
0.0 |
0.0 |
5.7 |
0.0 |
| Procredit |
90.3 |
0.0 |
8.4 |
0.6 |
0.7 |
|
|
Procredit |
|
1.4 |
0.0 |
0.0 |
0.0 |
1.9 |
7.7 |
0.6 |
1.5 |
0.0 |
| Finarca |
100.0 |
0.0 |
0.0 |
0.0 |
0.0 |
|
|
Finarca |
|
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
| Fama |
94.3 |
0.0 |
3.0 |
1.5 |
1.2 |
|
|
Fama |
|
2.5 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
0.0 |
7.2 |
0.0 |
| Financiera Finca
Nicaragua |
99.7 |
0.0 |
0.0 |
0.3 |
0.0 |
|
|
Financiera Finca Nicaragua |
0.0 |
0.0 |
0.0 |
0.0 |
0.1 |
0.0 |
0.0 |
0.0 |
0.0 |
| Total |
94.8 |
0.0 |
3.1 |
0.5 |
1.5 |
|
|
Total |
|
1.2 |
0.0 |
0.1 |
1.2 |
0.5 |
2.1 |
6.0 |
1.8 |
0.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Préstamos a
Partes Relacionadas |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| (Como % de la Base de Cálculo) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| (En porcentaje) |
May-11 |
May-12 |
|
|
(En porcentaje) |
Calificación de Cartera |
|
|
|
|
| Banpro |
28.6 |
28.50 |
|
|
A |
B |
C |
D |
E |
|
|
|
|
| Banco Lafise Bancentro |
21.1 |
20.00 |
|
|
Banpro |
91.3% |
3.6% |
1.9% |
1.0% |
2.3% |
|
|
|
|
| Bac |
6.0 |
6.60 |
|
|
Banco Lafise Bancentro |
87.8% |
7.7% |
2.3% |
0.4% |
1.7% |
|
|
|
|
| Bdf |
20.8 |
6.10 |
|
|
Bac |
90.0% |
7.2% |
0.6% |
0.6% |
1.5% |
|
|
|
|
| Banco Citibank |
15.9 |
21.90 |
|
|
Bdf |
95.6% |
1.7% |
1.3% |
0.6% |
0.9% |
|
|
|
|
| Procredit |
1.8 |
0.60 |
|
|
Banco
Citibank |
92.7% |
2.2% |
2.3% |
1.8% |
1.0% |
|
|
|
|
| Fama |
0.1 |
0.00 |
|
|
Procredit |
87.8% |
5.4% |
2.9% |
2.2% |
1.7% |
|
|
|
|
| Financiera Finca Nicaragua |
0.00 |
0.00 |
|
|
Fama |
92.4% |
3.2% |
1.3% |
0.7% |
2.4% |
|
|
|
|
| Total |
17.70 |
16.30 |
|
|
Financiera Finca Nicaragua |
99.0% |
0.4% |
0.3% |
0.1% |
0.3% |
|
|
|
|
| |
| Límite máximo
de 50% de la Base de Calculo hasta abril 07 |
| Límite máximo
de 40% de la Base de Calculo a partir de Mayo 07 |
| Límite máximo
de 30% de la Base de Calculo a partir de Mayo 08 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|