SUPERINTENDENCIA DE BANCOS Y DE OTRAS INSTITUCIONES FINANCIERAS
SISTEMA BANCARIO Y FINANCIERAS (CONSOLIDADO)
Composicion de los Activos de Riesgo
Al 30 de Noviembre de 2013
(En C$ millones)			BANPRO	Banco Lafise	BAC	BDF	BANCO	PROCREDIT	FAMA	Financiera	TOTAL
Activos de Riesgo				Bancentro			CITIBANK			Finca Nicaragua
Activos de riesgo crediticios
Disponibilidades ponderadas por riesgo			244,515.6	214,999.2	174,369.2	55,905.6	42,887.4	22,954.2	5,410.4	181.9	761,223.5
	0%		8,623,834.9	7,026,826.5	7,662,532.6	2,637,917.2	1,132,332.1	558,228.2	25,607.2	73,956.2	27,741,234.8
	20%		531,371.8	638,887.6	284,890.8	54,837.2	121,967.2	14,240.3	27,052.2	909.4	1,674,156.4
	50%		143,069.2	117,131.4	166,803.4	76,404.0	0.0	17,092.5	0.0	0.0	520,500.4
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		66,706.7	24,514.6	33,989.3	6,736.2	18,493.9	11,559.9	0.0	0.0	162,000.6
	125%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	150%		0.0	2,760.9	0.0	0.0	0.0	0.0	0.0	0.0	2,760.9
Inversiones netas ponderadas por riesgo			745,670.3	863,332.1	52,276.6	16,688.0	140.5	0.0	0.0	0.0	1,678,107.4
	0%		7,796,477.1	4,928,480.2	20,086.2	1,195,743.2	724,520.8	0.0	0.0	0.0	14,665,307.5
	20%		2,096,405.7	613,129.1	0.0	0.0	702.4	0.0	0.0	0.0	2,710,237.2
	50%		515,029.5	707,664.1	0.0	23,594.4	0.0	0.0	0.0	0.0	1,246,288.0
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		68,874.4	386,874.2	52,276.6	4,890.8	0.0	0.0	0.0	0.0	512,915.9
	125%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	150%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cartera de Créditos neta pond. por riesgo			21,934,722.2	19,738,150.5	23,559,910.3	9,090,952.8	5,362,115.0	2,602,800.9	785,681.8	472,739.8	83,547,073.2
	0%		545,581.0	193,780.9	223,174.8	179,076.2	8,333.0	51,065.8	0.0	0.0	1,201,011.5
	20%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	50%		654,303.6	944,911.4	369,452.9	1,588,615.6	0.0	38,322.1	7,861.8	0.0	3,603,467.2
	60%		1,470,588.6	1,807,828.4	2,503,369.4	1,558,968.6	128,737.2	20,711.1	0.0	0.0	7,490,203.3
	100%		10,277,954.5	12,814,523.1	5,812,701.5	787,553.2	1,175,188.5	28,971.9	712,106.7	472,739.8	32,081,739.3
	125%		8,357,810.1	4,293,179.7	12,848,368.6	5,258,968.5	3,287,747.4	2,033,793.1	55,715.3	0.0	36,135,582.7
	150%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Otros Activos ponderados por riesgo			1,018,749.3	973,151.2	668,733.9	224,252.1	112,680.0	333,488.0	48,859.3	22,683.7	3,402,597.4
	0%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	20%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	50%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		1,018,749.3	973,151.2	668,733.9	224,252.1	112,680.0	333,488.0	48,859.3	22,683.7	3,402,597.4
	125%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	150%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Ctas. Contingentes netas pond.por riesgo			1,818,130.8	1,752,709.2	330,107.3	49,263.4	25,812.9	0.0	0.0	0.0	3,976,023.6
	0%		7,735,898.5	5,656,609.2	6,561,994.0	534,789.6	4,196,089.5	10,307.7	0.0	0.0	24,695,688.6
	20%		0.0	2,074,507.2	466.0	0.0	0.0	0.0	0.0	0.0	2,074,973.2
	50%		0.0	444,361.1	33,039.1	0.0	0.0	0.0	0.0	0.0	477,400.2
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		1,818,130.8	1,115,627.3	313,494.5	49,263.4	25,812.9	0.0	0.0	0.0	3,322,328.9
	125%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	150%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Sub-Total Crediticios pond. por riesgo			25,761,788.1	23,542,342.2	24,785,397.2	9,437,061.9	5,543,635.7	2,959,243.1	839,951.5	495,605.4	93,365,025.1
Activos Nocionales de Riesgo Cambiario			3,541,817.5	4,697,194.5	5,288,777.6	1,433,190.0	1,256,050.7	166,442.9	538,215.9	472,739.8	17,394,428.9
Total Activos de Riesgo			29,234,876.7	27,868,101.4	30,023,848.0	10,866,934.1	6,799,686.4	3,125,686.0	1,378,167.5	968,345.2	110,265,645.2
Nota: Las cifras reflejadas en las diferentes categorías de porcentajes corresponden al saldo en libros a la fecha de corte. Las cifras correspondientes a los distintos conceptos de activos corresponden al saldo ponderado con base a los diferentes porcentajes