SUPERINTENDENCIA DE BANCOS
ESTADO DE SITUACION FINANCIERA
AL 31 DE ENERO DEL 2007
(VALORES EN RD$)
	DE				REPUBLIC		SANTA	CARIBE				TOTAL
	RESERVAS	SCOTIA BANK	CITIBANK	POPULAR	BANK	B.H.D.	CRUZ	INTERNACIONAL	BDI	LEON	VIMENCA	GENERAL
ACTIVOS
Fondos Disponibles
Caja	2,820,303,886	559,646,608	107,570,197	4,736,451,269	61,014,164	1,762,095,562	625,007,818	307,561,057	49,239,807	743,940,609	68,757,478	11,841,588,455
Banco Central	19,356,859,043	4,972,143,710	1,525,331,424	18,041,248,172	619,140,584	7,490,077,535	908,763,256	235,454,930	637,866,764	3,948,830,811	194,279,780	57,929,996,009
Bancos del pais	72,588	0	951,811	0	0	242,236	4,551,370	5,236,608	10,160,831	157,999	6,563,936	27,937,379
Bancos del extranjero	5,853,115,365	843,253,787	228,142,948	4,820,295,277	65,846,865	1,189,038,326	624,058,355	56,322,392	101,341,236	788,082,957	21,972,670	14,591,470,178
Otras disponibilidades *	10,456,927,364	3,541,067,134	572,939,042	6,164,066,154	229,296,965	3,533,228,530	634,025,259	134,401,629	505,054,273	681,588,107	281,618,156	26,734,212,613
Rendimientos por cobrar	0	0	0	0	0	8,817,281	0	295,751	735,754	5,294,686	0	15,143,472
	38,487,278,246	9,916,111,239	2,434,935,422	33,762,060,872	975,298,578	13,983,499,470	2,796,406,058	739,272,367	1,304,398,665	6,167,895,169	573,192,020	111,140,348,106
Fondos Interbancarios
Fondos interbancarios	0	0	0	250,000,000	0	0	0	0	25,000,000	0	0	275,000,000
Rendimientos por cobrar	0	0	0	0	0	0	0	0	6,597	0	0	6,597
	0	0	0	250,000,000	0	0	0	0	25,006,597	0	0	275,006,597
Inversiones Negociables y a Vencimiento
Negociables	0	0	345,198,705	0	0	3,850,440,022	0	0	0	0	0	4,195,638,727
Disponibles para la venta	1,512,432,185	0	2,305,241,700	4,158,124,249	0	0	20,962,813	0	0	0	3,354,050	8,000,114,997
Mantenidas hasta el vencimiento	7,563,593,904	0	139,918,395	5,067,606,096	58,375,764	7,313,981,291	2,411,377	105,868,891	0	2,167,777,985	0	22,419,533,703
Rendimientos por cobrar	58,969,022	22,812,054	60,384,878	116,278,156	0	164,178,676	1,293,416	10,958	5,011,633	13,755,026	5,738,397	448,432,216
Provision para inversiones neg. y a vencimiento	(61,571,841)	(16,119,232)	(2,616,540)	(4,926,127)	(3,465,038)	(82,507,639)	(209,628)	0	(1,847,102)	(6,054,052)	0	(179,317,199)
	9,073,423,270	6,692,822	2,848,127,138	9,337,082,374	54,910,726	11,246,092,350	24,457,978	105,879,849	3,164,531	2,175,478,959	9,092,447	34,884,402,444
Cartera de Crédito
Vigente	63,662,732,932	15,943,373,103	3,408,290,938	55,472,119,856	1,823,556,670	18,150,046,289	3,034,466,098	979,086,591	1,944,287,025	12,029,112,320	616,266,457	177,063,338,279
Reestructura	497,976,855	0	164,687	569,820,437	19,872,941	88,475,271	0	0	179,040,994	910,202,199	31,707	2,265,585,091
Vencida	2,591,873,668	423,850,135	897,497	513,780,408	159,903,523	698,968,972	37,576,659	5,808,674	219,759,302	592,657,757	21,810,973	5,266,887,568
Cobranza judicial	2,237,177,190	238,706,080	0	884,011,667	524,851	59,535,746	6,428,744	45,413,052	114,961,893	107,418,309	8,865,293	3,703,042,825
Rendimientos por cobrar	776,070,091	247,879,395	14,595,242	687,445,522	16,275,975	296,790,230	18,025,665	13,681,233	45,573,404	397,776,989	15,373,679	2,529,487,425
	69,765,830,736	16,853,808,713	3,423,948,364	58,127,177,890	2,020,133,960	19,293,816,508	3,096,497,166	1,043,989,550	2,503,622,618	14,037,167,574	662,348,109	190,828,341,188
Provisiones para créditos	(5,585,481,434)	(727,941,249)	(624,231,995)	(2,692,167,245)	(297,068,198)	(1,335,402,818)	(85,603,710)	(31,240,639)	(201,290,661)	(846,930,971)	(7,806,112)	(12,435,165,032)
	64,180,349,302	16,125,867,464	2,799,716,369	55,435,010,645	1,723,065,762	17,958,413,690	3,010,893,456	1,012,748,911	2,302,331,957	13,190,236,603	654,541,997	178,393,176,156
Deudores por Aceptaciones	723,316,401	37,274,402	28,921,151	44,645,583	0	119,690,133	25,411,712	0	4,515,181	9,841,680	2,416,638	996,032,881
Cuentas por Cobrar
Cuentas por cobrar	627,243,006	31,881,226	21,846,011	731,001,093	13,463,099	299,118,680	32,532,704	53,320,773	49,340,770	226,593,291	11,093,152	2,097,433,805
Rendimientos por cobrar	0	0	0	0	0	0	0	0	12,344,972	0	0	12,344,972
	627,243,006	31,881,226	21,846,011	731,001,093	13,463,099	299,118,680	32,532,704	53,320,773	61,685,742	226,593,291	11,093,152	2,109,778,777
Bienes Recibidos en Recuperaciòn de Créditos
Bienes recibidos en recuperaciòn de créditos	2,242,629,379	19,565,874	0	2,206,343,564	106,758,675	1,052,031,686	7,189,287	8,909,295	5,276,297	686,223,686	2,586,430	6,337,514,173
Provisiòn por bienes recibidos en rec. de créditos	(1,069,310,469)	(11,760,267)	(353,863)	(900,869,831)	(106,758,675)	(678,609,596)	(1,231,332)	(7,852,021)	(5,183,355)	(492,058,933)	0	(3,273,988,342)
	1,173,318,910	7,805,607	(353,863)	1,305,473,733	0	373,422,090	5,957,955	1,057,274	92,942	194,164,753	2,586,430	3,063,525,831
Inversiones en Acciones
Inversiones en acciones	2,032,854,398	161,967	0	968,769,731	13,938,965	219,112,652	0	0	8,023,400	57,374,303	0	3,300,235,416
Provisiòn por inversiones en acciones	(193,960,440)	0	0	(255,423,959)	(7,598,928)	(73,826,109)	0	0	(2,986,242)	(13,199,932)	0	(546,995,610)
	1,838,893,958	161,967	0	713,345,772	6,340,037	145,286,543	0	0	5,037,158	44,174,371	0	2,753,239,806
Propiedad, Muebles y Equipos
Propiedad, muebles y equipos	5,982,401,728	1,466,054,726	362,525,017	5,588,451,146	493,830,512	2,507,167,790	366,149,629	192,399,777	138,379,442	2,390,945,707	45,998,659	19,534,304,133
Depreciaciòn acumulada	(1,581,449,689)	(345,427,048)	(71,416,371)	(879,584,594)	(252,523,006)	(413,646,689)	(80,091,347)	(31,612,664)	(24,937,845)	(755,259,790)	(21,187,763)	(4,457,136,806)
	4,400,952,039	1,120,627,678	291,108,646	4,708,866,552	241,307,506	2,093,521,101	286,058,282	160,787,113	113,441,597	1,635,685,917	24,810,896	15,077,167,327
Otros Activos
Cargos diferidos	1,324,680,170	178,608,809	209,283,715	1,325,134,563	269,379,862	276,214,064	94,233,232	12,482,487	19,554,880	656,283,374	12,759,702	4,378,614,858
Intangibles	0	0	0	584,526,474	131,104,612	392,562,626	0	9,193,976	35,381,846	418,428,335	26,796,279	1,597,994,148
Activos diversos	1,272,519,050	85,424,846	39,455,630	1,016,007,338	386,788,829	218,371,377	259,575,637	19,897,446	13,552,865	154,580,297	4,123,421	3,470,296,736
Amortizaciòn acumulada	0	0	0	(160,230,243)	(127,359,406)	(87,644,814)	0	(9,193,976)	(20,156,262)	(324,389,713)	(21,309,962)	(750,284,376)
	2,597,199,220	264,033,655	248,739,345	2,765,438,132	659,913,897	799,503,253	353,808,869	32,379,933	48,333,329	904,902,293	22,369,440	8,696,621,366
TOTAL DE ACTIVOS	123,101,974,352	27,510,456,060	8,673,040,219	109,052,924,756	3,674,299,605	47,018,547,310	6,535,527,014	2,105,446,220	3,868,007,699	24,548,973,036	1,300,103,020	357,389,299,291
PASIVOS Y PATRIMONIO
PASIVOS
Obligaciones con el Público
A la vista	28,112,500,241	2,390,743,484	860,897,712	25,026,832,816	279,417,407	10,039,471,518	483,110,804	152,417,630	183,002,245	6,356,467,668	109,132,523	73,993,994,048
De ahorro	23,086,958,660	8,170,574,559	367,143,353	36,736,103,183	28,367,406	10,376,236,524	1,011,327,533	431,239,023	259,210,815	4,524,848,801	69,439,899	85,061,449,756
A plazo	17,195,871,221	12,881,770,686	1,875,267,409	12,014,480,329	855,208,716	5,569,735,740	959,254,437	508,962,524	1,072,104,923	8,540,398,788	602,828,213	62,075,882,986
Intereses por pagar	47,715,992	55,681,155	506,663	1,772,876	2,450,352	158,763,939	0	1,061,477	2,234,903	23,394,391	1,840,130	295,421,878
	68,443,046,114	23,498,769,884	3,103,815,137	73,779,189,204	1,165,443,881	26,144,207,721	2,453,692,774	1,093,680,654	1,516,552,886	19,445,109,648	783,240,765	221,426,748,668
Fondos Interbancarios
Fondos interbancarios	0	0	0	0	0	0	0	25,000,000	0	250,000,000	0	275,000,000
Intereses por pagar	0	0	0	0	0	0	0	6,597	0	131,944	0	138,541
	0	0	0	0	0	0	0	25,006,597	0	250,131,944	0	275,138,541
Depòsitos de Instit. Financ. del Paìs y del Exterior
De instituciones financieras del paìs	892,766,500	182,085,522	1,984,174,747	4,291,253	166,801,298	506,407,746	163,085,762	667,392,364	16,619,654	1,798,963,580	271,296,086	6,653,884,512
De instituciones financieras del exterior	0	7,391	114,393	0	0	0	1	0	0	0	0	121,785
Intereses por pagar	0	0	6,432,134	0	872	817,550	0	2,756,958	3,400	6,119,704	266,875	16,397,493
	892,766,500	182,092,913	1,990,721,274	4,291,253	166,802,170	507,225,296	163,085,763	670,149,322	16,623,054	1,805,083,284	271,562,961	6,670,403,790
Fondos Tomados a Préstamo
Del Banco Central	0	1,529	0	8,861,420	1,230,740	0	0	0	0	0	0	10,093,689
De instituciones financieras del paìs	190,854,812	0	0	84,841,387	0	103,361,310	579,803	0	16,771,274	64,443,445	0	460,852,031
De instituciones financieras del exterior	591,417,904	108,408,487	431,234,995	19,294,449	0	171,984,121	0	0	4,515,181	27,918,994	16,603	1,354,790,734
Otros	656,467	0	0	0	0	226,660,607	0	0	0	0	0	227,317,074
Intereses por pagar	550,208	0	14,867,005	478,581	0	27,509,217	34,949	0	354,178	4,173,722	0	47,967,860
	783,479,391	108,410,016	446,102,000	113,475,837	1,230,740	529,515,255	614,752	0	21,640,633	96,536,161	16,603	2,101,021,388
Aceptaciones en Circulaciòn	723,316,401	37,274,402	28,921,152	44,645,583	0	119,690,133	25,411,712	0	0	9,841,680	2,416,638	991,517,701
Valores en Circulaciòn
Titulos y valores	34,918,242,484	0	295,239,552	18,967,876,546	1,228,154,616	13,085,985,038	2,232,956,284	0	1,834,115,506	0	0	72,562,570,026
Intereses por pagar	0	0	976,490	38,892,369	4,505,864	38,411,442	0	0	6,482,385	0	0	89,268,550
	34,918,242,484	0	296,216,042	19,006,768,915	1,232,660,480	13,124,396,480	2,232,956,284	0	1,840,597,891	0	0	72,651,838,576
Otros Pasivos	6,495,677,165	631,079,764	917,149,330	4,806,323,522	425,196,828	1,495,210,401	792,359,901	104,593,400	57,962,949	741,872,628	35,980,413	16,503,406,301
Obigaciones Subordinadas
Deudas subordinadas	0	0	0	0	0	670,810,000	0	0	0	398,978,324	0	1,069,788,324
Intereses por pagar	0	0	0	0	0	6,702,344	0	0	0	5,043,732	0	11,746,076
	0	0	0	0	0	677,512,344	0	0	0	404,022,056	0	1,081,534,400
TOTAL PASIVOS	112,256,528,055	24,457,626,979	6,782,924,935	97,754,694,314	2,991,334,099	42,597,757,630	5,668,121,186	1,893,429,973	3,453,377,413	22,752,597,401	1,093,217,380	321,701,609,365
Patrimonio
Capital pagado	2,874,500,000	2,380,150,581	300,300,000	6,794,018,950	2,078,960,900	2,763,856,100	752,599,800	197,145,800	364,780,400	1,526,800,068	186,397,400	20,219,509,999
Reserva legal bancaria	0	0	0	0	0	0	0	0	0	0	0	0
Capital adicional pagado	625,500,000	0	0	693,260,760	0	140,652,239	0	4,136	14,626,036	0	0	1,474,043,171
Otras reservas patrimoniales	3,123,411,590	0	260,000,000	492,970,947	4,050,564	184,106,763	24,728,112	6,181,327	5,163,104	133,502,466	5,811,877	4,239,926,750
Superavit por revaluaciòn	915,737,358	0	76,581,522	947,475,833	0	547,823,405	0	19,933,423	19,480,137	0	0	2,527,031,678
Ganancias (pérdidas) no realizada en inv. disponibles	0	0	0	29,341,499	0	0	0	0	0	0	0	29,341,499
Resultados acumulados de ejercicios anteriores	3,033,960,558	657,949,896	1,197,452,768	2,118,776,075	(1,393,127,705)	671,262,288	78,292,538	(15,604,468)	1,745,128	123,090,541	10,775,192	6,484,572,811
Resultados del ejercicio	272,336,791	14,728,604	55,780,994	222,386,378	(6,918,253)	113,088,885	11,785,378	4,356,029	8,835,481	12,982,560	3,901,171	713,264,018
TOTAL PATRIMONIO NETO	10,845,446,297	3,052,829,081	1,890,115,284	11,298,230,442	682,965,506	4,420,789,680	867,405,828	212,016,247	414,630,286	1,796,375,635	206,885,640	35,687,689,926
TOTAL PASIVOS Y PATRIMONIO	123,101,974,352	27,510,456,060	8,673,040,219	109,052,924,756	3,674,299,605	47,018,547,310	6,535,527,014	2,105,446,220	3,868,007,699	24,548,973,036	1,300,103,020	357,389,299,291
Fuente: Estado de Contabilidad Analítico recibido mediante el Sistema Bancanet
* Incluye equivalente de efectivo