Préstamos Interbancarios en Nicaragua en el periodo 2005-2006 (página 4)
Enviado por Karem Natal� N��ez Mungu�a
INDICADORES FINANCIEROS BNP Sep.-07
Cuota de Mercado | |
1.- Captaciones del Publico | 5,697.10 |
2.- Cuota de Mercado en Captaciones del Público | 12.90% |
3.- Cartera de Créditos Bruta | 4,379.92 |
4.- Cuota de Mercado de Créditos Bruta | 11.63% |
Calidad del Activo | |
1.- Total Activos Improductivos Netos | 1,768 |
2.- Activos Improductivos Bruto / AT | 25.60% |
3.- Activos Improductivos Netos / AT | 23.41% |
4.- Índice de Morosidad Bruta | 2.39% |
5.- Índice de Morosidad Neta | -0.97% |
6.- Cobertura de la Cartera de Créditos Improductiva | 139.31% |
7.- Cobertura de la Cartera de Créditos Bruta | 3.33% |
8.- Cartera de Riesgo / Cartera Bruta | 2.72% |
Créditos Vigentes | 97.28% |
Créditos Prorrogados | 0.00% |
Créditos Reestructurados | 0.33% |
Créditos Vencidos | 2.03% |
Créditos en Cobro Judicial | 0.36% |
Concentración de la Cartera de Crédito Bruta Por Actividad Económica | |
Agricultura | 2.17% |
Ganadería | 0.16% |
Industria | 0.86% |
Comercio | 17.75% |
Turismo | 0.00% |
Vivienda | 39.10% |
Servicios | 0.00% |
Transporte | 0.00% |
Personales | 33.94% |
Construcción | 0.00% |
Desarrollo Habitacional o Urbano | 0.00% |
Tarjetas de Créditos | 4.68% |
Otros | 1.33% |
Cartera de Crédito por Clasificación según Regulador | |
Clasificación A | 90.92% |
Clasificación B | 5.09% |
Clasificación C | 1.49% |
Clasificación D | 1.24% |
Clasificación E | 1.26% |
Sin Clasificación | 0.00% |
Suficiencia Patrimonial | |
1.- Razón de Capital (Nivel 1 + 2 + 3) s / APBR | 14.36% |
a.- Razón de Apalancamiento Financiero | 6.96 |
b.- Razón de Endeudamiento | 10.51 |
2.- Vulnerabilidad del Patrimonio | -6.05% |
Rentabilidad y Beneficio | |
1.- Rentabilidad Media del Activo Productivo ( r ) | 15.33% |
2.- Costo Medio del Pasivo con Costo ( c ) | 4.97% |
3.- Margen de Intermediación | 10.35% |
4.- Grado de Absorción del Margen Financiero Bruto | 90.83% |
5.- Grado de Absorción del Margen Financiero Neto | 111.60% |
6.- Gastos de Transformación como % ATP | 7.34% |
7.- Ingresos Ordinarios / Gastos de Transformación | 199.10% |
8.- Rentabilidad sobre el Patrimonio (ROE) | 20.84% |
9.- Rentabilidad sobre el Activo (ROA) | 1.90% |
10.- Apalancamiento Financiero | 10.96 |
Liquidez y Gestión de Pasivos | |
1.- Disponibilidades / Captaciones del Público | 28.56% |
2.- Disponibilidades / Cartera de Crédito Bruta | 37.15% |
ORGANIGRAMA
BANCO NACIONAL PARA LA PRODUCCION | ||||||||||||||||||
ESTRATIFICACION DE CARTERA POR PLAZO ORIGINAL | ||||||||||||||||||
AL 30 DE SEPTIEMBRE DE 2007 | ||||||||||||||||||
Tipo de Cambio: 18.6719 | ||||||||||||||||||
MONEDA NACIONAL | ||||||||||||||||||
CONCEPTOS | UN MES | DOS MESES | TRES MESES | MAYORES DE 3 A 6 MESES | MAYOR DE 6 A 9 MESES | MAYOR DE 9 A 12 MESES | MAYORES DE 12 A 18 MESES | MAYORES DE 18 MESES | TOTAL | |||||||||
En miles de córdobas | No. | MONTO | No. | MONTO | No. | MONTO | No. | MONTO | No. | MONTO | No. | MONTO | No. | MONTO | No. | MONTO | No. | MONTO |
Personales | 0.0 | 1 | 11.3 | 1 | 70.3 | 0 | 0.0 | 3 | 23.8 | 149 | 895.7 | 318 | 2,005.2 | 32,855 | 520,942.0 | 33,327 | 523,948.3 | |
Comerciales | 73 | 1,834.5 | 15 | 3,831.1 | 6 | 1,461.0 | 0 | 0.0 | 1 | 13.4 | 8 | 1,768.7 | 5 | 2,316.6 | 20 | 2,280.6 | 128 | 13,505.9 |
Agrícolas | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 79.5 | 27 | 23,122.5 | 24 | 21,484.2 | 52 | 44,686.2 |
Ganaderos | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 300.3 | 1 | 300.3 |
Industriales | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 2 | 19.7 | 2 | 19.7 |
Hipotecarios | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
Otros | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
SUB TOTAL C$ | 73 | 1,834.5 | 16 | 3,842.4 | 7 | 1,531.3 | 0 | 0.0 | 4 | 37.2 | 158 | 2,743.9 | 350 | 27,444.3 | 32,902 | 545,026.8 | 33,510 | 582,460.4 |
MONEDA EXTRANJERA | ||||||||||||||||||
En miles de dólares | ||||||||||||||||||
Personales | 0 | 0.0 | 1 | 40.0 | 1 | 1.1 | 2 | 1.6 | 12 | 84.9 | 126 | 324.6 | 141 | 238.6 | 17,915 | 61,841.1 | 18,198 | 62,531.9 |
Comerciales | 39 | 161.7 | 8 | 252.7 | 11 | 276.9 | 12 | 677.7 | 23 | 575.7 | 217 | 5,339.3 | 239 | 2,357.0 | 2,401 | 33,633.5 | 2,950 | 43,274.5 |
Agrícolas | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 2.5 | 29 | 502.9 | 18 | 571.9 | 10 | 1,628.2 | 58 | 2,705.5 |
Ganaderos | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 20.0 | 2 | 80.0 | 6 | 249.7 | 9 | 349.7 |
Industriales | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 4 | 83.4 | 21 | 1,247.5 | 1 | 32.4 | 19 | 652.9 | 45 | 2,016.2 |
Hipotecarios | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 2,971 | 91,726.5 | 2,971 | 91,726.5 |
Otros | 0 | 0.0 | 0 | 0.0 | 2 | 580.0 | 0 | 0.0 | 0 | 0.0 | 3 | 194.2 | 0 | 0.0 | 0 | 0.0 | 5 | 774.2 |
SUB TOTAL US$ | 39 | 161.7 | 9 | 292.7 | 14 | 858.0 | 14 | 679.3 | 40 | 746.5 | 397 | 7,628.5 | 401 | 3,279.9 | 23,322 | 189,731.9 | 24,236 | 203,378.5 |
SUB TOTAL EQUIV. C$ | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |||||||||
MONEDA NACIONAL MAS EXTRANJERA | ||||||||||||||||||
GRAN TOTAL C$ | 112 | 1,834.5 | 25 | 3,842.4 | 21 | 1,531.3 | 14 | 0.0 | 44 | 37.2 | 555 | 2,743.9 | 751 | 27,444.3 | 56,224 | 545,026.8 | 57,746 | 582,460.4 |
SUPERINTENDENCIA DE BANCOS Y DE OTRAS INSTITUCIONES FINANCIERAS | ||||||||||||||
BANCO NACIONAL PARA LA PRODUCCION AL 30 DE SEPTIEMBRE DE 2007 | ||||||||||||||
ESTRATIFICACION DE CARTERA POR MONTO POR REGION EN MILES DE CORDOBAS | ||||||||||||||
CONCEPTOS | CENTRAL | LAS SEGOVIAS | ATLANTICO | MANAGUA | NORTE | RIO SAN JUAN | TOTAL | |||||||
MONEDA NACIONAL | N° | MONTO | N° | MONTO | N° | MONTO | N° | MONTO | N° | MONTO | N° | MONTO | N° | MONTO |
HASTA 100 | 1,167 | 18,854.7 | 1,791 | 35,797.3 | 24,988 | 339,128.0 | 2,811 | 42,141.8 | 774 | 14,760.8 | 453 | 6,929.7 | 33,101 | 476,283.6 |
DE 100.1 A 250 | 5 | 845.4 | 44 | 5,838.4 | 243 | 35,018.2 | 16 | 2,293.8 | 5 | 652.3 | 2 | 202.8 | 323 | 45,833.5 |
DE 250.1 A 500 | 0 | 0.0 | 20 | 6,919.8 | 19 | 5,978.3 | 1 | 282.7 | 1 | 300.3 | 0 | 0.0 | 42 | 13,758.7 |
DE 500.1 A 1,000 | 0 | 0.0 | 10 | 6,019.4 | 9 | 5,366.6 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 19 | 11,386.0 |
DE 1,000.1 A 2,000 | 0 | 0.0 | 22 | 28,414.8 | 1 | 1,107.5 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 23 | 29,522.3 |
DE 2,000.1 A 3,000 | 0 | 0.0 | 1 | 2,427.7 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 2,427.7 |
DE 3,000.1 A 4,000 | 0 | 0.0 | 1 | 3,248.6 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 3,248.6 |
DE 4,000.1 A 6,000 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
DE 6,000.1 A 8,000 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
DE 8,000.1 A 10,000 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
DE 10,000.1 A 12,000 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
DE 12,000.1 A MAS | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
SUB TOTAL C$ | 1,172 | 19,700.1 | 1,889 | 88,666.0 | 25,260 | 386,598.6 | 2,828 | 44,718.3 | 780 | 15,713.4 | 455 | 7,132.5 | 33,510 | 582,460.4 |
MONEDA EXTRANJERA | ||||||||||||||
HASTA 25 | 939 | 3,899.6 | 924 | 3,740.9 | 17,468 | 79,795.2 | 2,073 | 7,886.9 | 333 | 1,762.6 | 89 | 389.9 | 22,391 | 99,873.4 |
DE 25.1 A 50 | 20 | 609.6 | 12 | 402.3 | 1,119 | 38,709.1 | 33 | 1,098.9 | 9 | 293.0 | 0 | 0.0 | 1,202 | 41,395.5 |
DE 50.1 A 75 | 2 | 102.7 | 3 | 183.3 | 326 | 19,487.8 | 11 | 698.5 | 0 | 0.0 | 0 | 0.0 | 346 | 20,715.5 |
DE 75.1 A 100 | 1 | 82.2 | 2 | 171.1 | 140 | 12,408.0 | 5 | 424.6 | 0 | 0.0 | 0 | 0.0 | 148 | 13,085.9 |
DE 100.1 A 200 | 2 | 223.9 | 3 | 406.3 | 118 | 15,761.7 | 1 | 124.0 | 0 | 0.0 | 0 | 0.0 | 124 | 16,515.9 |
DE 200.1 A 400 | 0 | 0.0 | 0 | 0.0 | 16 | 4,258.7 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 16 | 4,258.7 |
DE 400.1 A 600 | 0 | 0.0 | 0 | 0.0 | 5 | 2,506.9 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 5 | 2,506.9 |
DE 600.1 A 800 | 0 | 0.0 | 0 | 0.0 | 1 | 650.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 650.0 |
DE 800.1 A 1,000 | 0 | 0.0 | 0 | 0.0 | 1 | 929.5 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 929.5 |
DE 1,000.1 A 2,000 | 0 | 0.0 | 0 | 0.0 | 1 | 1,239.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 1,239.0 |
DE 2,000.1 A 3,000 | 0 | 0.0 | 0 | 0.0 | 1 | 2,208.2 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 1 | 2,208.2 |
DE 3,000.1 A MAS | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 | 0 | 0.0 |
SUB TOTAL US$ | 964 | 4,918.0 | 944 | 4,903.9 | 19,196 | 177,954.1 | 2,123 | 10,232.9 | 342 | 2,055.6 | 89 | 389.9 | 24,236 | 203,378.5 |
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