SUPERINTENDENCIA DE BANCOS Y DE OTRAS INSTITUCIONES FINANCIERAS
SISTEMA BANCARIO Y FINANCIERAS (CONSOLIDADO)
Composicion de los Activos de Riesgo
Al 31 de Diciembre 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			604,078.0	120,533.7	333,746.7	96,341.4	51,192.2	25,452.1	4,945.2	190.4	1236,479.7
	0%		7827,104.3	7785,235.3	6235,788.2	2171,695.8	1645,366.3	654,310.7	30,082.2	100,138.2	26449,720.9
	20%		1920,033.5	305,560.6	1042,534.6	96,436.4	135,249.7	24,987.6	24,726.0	951.9	3550,480.2
	50%		180,190.8	74,184.1	240,632.1	141,759.8	0.0	25,907.4	0.0	0.0	662,674.1
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		129,975.9	18,261.8	4,923.8	6,174.2	24,142.3	7,500.9	0.0	0.0	190,978.8
	125%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	150%		0.0	2,711.8	0.0	0.0	0.0	0.0	0.0	0.0	2,711.8
Inversiones netas ponderadas por riesgo			109,220.0	868,059.9	52,785.4	16,776.0	214.3	0.0	0.0	0.0	1047,055.7
	0%		7717,700.5	4935,338.0	20,329.2	1209,249.3	500,845.6	0.0	0.0	0.0	14383,462.6
	20%		103,321.7	630,621.3	0.0	0.0	1,071.6	0.0	0.0	0.0	735,014.6
	50%		20,290.7	694,980.8	0.0	23,770.6	0.0	0.0	0.0	0.0	739,042.0
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		78,410.3	394,445.3	52,785.4	4,890.8	0.0	0.0	0.0	0.0	530,531.8
	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			23128,197.2	20682,239.6	23385,485.3	9335,687.9	5127,984.8	2606,147.1	787,628.6	486,912.5	85540,283.0
	0%		567,919.1	195,720.3	219,977.8	176,028.1	9,124.9	52,468.8	0.0	0.0	1221,239.1
	20%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	50%		661,421.3	980,052.1	260,757.6	1609,102.7	0.0	37,421.6	7,389.6	0.0	3556,144.8
	60%		1498,919.6	1879,456.4	2545,121.3	1565,383.7	2,340.4	22,913.1	0.0	0.0	7514,134.5
	100%		10801,880.0	13699,754.6	5594,076.1	805,178.9	1185,023.0	28,862.5	716,042.6	486,912.5	33317,730.2
	125%		8877,003.9	4291,828.1	12907,166.1	5429,381.9	3153,246.1	2035,860.7	54,313.0	0.0	36748,799.8
	150%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Otros Activos ponderados por riesgo			1002,095.6	956,655.5	612,583.5	226,619.6	124,489.9	328,158.9	49,663.1	21,758.7	3322,024.8
	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%		1002,095.6	956,655.5	612,583.5	226,619.6	124,489.9	328,158.9	49,663.1	21,758.7	3322,024.8
	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			1810,782.6	1957,938.5	300,574.9	43,544.9	25,899.9	0.0	0.0	0.0	4138,740.8
	0%		7376,271.2	5819,764.2	6748,432.4	549,334.2	4302,300.9	8,576.9	0.0	0.0	24804,679.7
	20%		0.0	2069,848.2	466.0	0.0	0.0	0.0	0.0	0.0	2070,314.2
	50%		0.0	525,751.5	32,796.8	0.0	0.0	0.0	0.0	0.0	558,548.3
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		1810,782.6	1281,093.1	284,083.3	43,544.9	25,899.9	0.0	0.0	0.0	3445,403.8
	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			26654,373.4	24585,427.3	24685,175.9	9718,969.7	5329,781.1	2959,758.0	842,236.9	508,861.7	95284,583.9
Activos Nocionales de Riesgo Cambiario			3976,737.5	4595,261.8	5140,808.4	1845,734.5	1039,910.9	225,917.7	549,901.4	486,912.5	17861,184.7
Total Activos de Riesgo			30552,850.5	28809,253.8	29775,148.7	11561,398.2	6369,692.0	3185,675.7	1392,138.2	995,774.2	112641,931.3
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