SUPERINTENDENCIA DE BANCOS Y DE OTRAS INSTITUCIONES FINANCIERAS
SISTEMA BANCARIO Y FINANCIERAS (CONSOLIDADO)
Composicion de los Activos de Riesgo
Al 30 de Noviembre de 2014

(En C$ millones)			BANPRO	Banco Lafise	BAC	BDF	BANCO	PROCREDIT	FAMA	Financiera	FUNDESER	TOTAL
Activos de Riesgo				Bancentro			CITIBANK			Finca Nicaragua	FUNDESER
Activos de riesgo crediticios
Disponibilidades ponderadas por riesgo			1096,704.5	254,298.2	245,498.5	86,581.0	53,397.7	28,182.8	456.0	0.0	0.0	1765,118.8
	0%		11377,426.7	7350,915.7	8257,630.7	2872,078.8	1057,712.1	610,999.0	49,279.0	70,438.9	39,419.2	31685,900.1
	20%		3453,783.1	300,214.9	517,920.3	127,153.6	188,928.4	23,172.9	2,279.8	0.0	0.0	4613,452.9
	50%		262,886.8	88,147.9	174,913.4	67,699.7	0.0	17,606.5	0.0	0.0	0.0	611,254.2
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		274,504.5	150,181.3	54,457.8	27,300.5	15,612.1	14,745.0	0.0	0.0	0.0	536,801.1
	125%		0.0	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	0.0

Inversiones netas ponderadas por riesgo			507,323.4	798,705.1	55,887.8	26,325.6	0.0	0.0	0.0	0.0	0.0	1388,241.9
	0%		8020,279.8	4921,717.9	17,000.6	1096,871.8	622,111.2	0.0	0.0	0.0	0.0	14677,981.3
	20%		781,024.5	1554,132.9	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2335,157.4
	50%		418,791.7	5,573.1	0.0	10,859.3	0.0	0.0	0.0	0.0	0.0	435,224.1
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		141,722.6	485,092.0	55,887.8	20,895.9	0.0	0.0	0.0	0.0	0.0	703,598.4
	125%		0.0	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	0.0

Cartera de Créditos neta pond. por riesgo			27032,826.1	24608,453.4	26816,328.4	11237,128.6	5392,070.3	3008,358.8	1034,810.1	734,053.3	744,686.5	100608,715.4
	0%		444,492.0	292,745.1	217,533.5	171,462.6	6,199.8	65,176.6	0.0	0.0	0.0	1197,609.7
	20%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	50%		846,493.4	1230,465.0	505,114.8	2065,010.3	0.0	35,960.9	7,704.8	0.0	13,751.4	4704,500.6
	60%		1989,632.0	2312,472.4	2501,260.5	1748,884.3	384.0	28,790.0	0.0	0.0	0.0	8581,423.0
	100%		12450,101.3	15766,961.7	6192,119.8	922,467.5	1110,944.7	35,143.3	903,416.3	734,053.3	325,715.7	38440,923.6
	125%		10372,559.1	5471,020.6	15096,716.0	6586,260.3	3424,716.1	2350,368.8	102,033.1	0.0	329,676.1	43733,350.1
	150%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Otros Activos ponderados por riesgo			1363,553.9	1148,501.3	741,192.1	310,709.2	190,345.6	322,043.6	53,720.7	36,004.3	88,956.7	4255,027.4
	0%		0.0	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	0.0
	50%		0.0	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	0.0
	100%		1363,553.9	1148,501.3	741,192.1	310,709.2	190,345.6	322,043.6	53,720.7	36,004.3	88,956.7	4255,027.4
	125%		0.0	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	0.0

Ctas. Contingentes netas pond.por riesgo			2308,551.7	1770,455.0	377,326.3	77,061.3	14,672.5	0.0	0.0	0.0	0.0	4548,066.8
	0%		11179,029.2	6517,791.9	7678,310.1	752,101.8	4107,340.4	4,375.1	0.0	0.0	0.0	30238,948.5
	20%		0.0	1209,114.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1209,114.1
	50%		0.0	600,300.1	13,914.1	0.0	0.0	0.0	0.0	0.0	0.0	614,214.2
	60%		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
	100%		2308,551.7	1228,482.1	370,369.2	77,061.3	14,672.5	0.0	0.0	0.0	0.0	3999,136.9
	125%		0.0	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	0.0

Sub-Total Crediticios pond. por riesgo			32308,959.6	28580,413.1	28236,233.1	11737,805.8	5650,486.1	3358,585.2	1088,986.7	770,057.6	833,643.2	112565,170.3

Activos Nocionales de Riesgo Cambiario			4944,246.5	6022,916.7	5829,910.2	1682,876.0	1239,966.5	243,944.4	688,962.5	720,693.2	329,527.8	21703,043.7

Total Activos de Riesgo			37111,632.7	34128,301.2	34012,291.0	13415,245.9	6890,452.7	3602,529.6	1777,949.3	1490,750.8	1163,170.9	133592,324.1

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