| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | BANEX | FAMA | Sistema Bancario y Financiero | | Activo | 25,318,869.9 | 24,874,354.2 | 17,641,561.8 | 8,710,819.4 | 5,079,845.6 | 3,151,352.3 | 368,429.4 | 2,797,464.9 | 638,017.1 | 88,580,714.8 | | Disponibilidades | 7,354,487.6 | 9,144,032.1 | 6,323,433.9 | 2,207,095.0 | 1,755,631.5 | 587,149.0 | 31,279.3 | 605,247.4 | 37,560.7 | 28,045,916.6 | | Moneda Nacional | 2,334,258.9 | 1,716,795.0 | 1,153,470.8 | 605,750.3 | 289,466.5 | 123,534.4 | 2,199.4 | 130,859.0 | 15,081.2 | 6,371,415.6 | | Caja | 621,859.6 | 336,441.5 | 477,170.3 | 82,861.4 | 52,348.3 | 62,936.6 | 67.8 | 79,842.7 | 4,519.4 | 1,718,047.7 | | Banco Central de Nicaragua | 579,844.7 | 394,959.3 | 0.0 | 19,434.2 | 75,691.3 | 13,019.8 | 0.0 | 41,633.3 | 209.8 | 1,124,792.4 | | Depositos e Instituciones Financieras del Pais | 2,111.8 | 0.0 | 0.0 | 223,024.7 | 4,291.1 | 1,511.8 | 2,124.9 | 734.3 | 10,352.0 | 244,150.5 | | Otras disponibilidades | 1,130,442.9 | 985,394.1 | 676,300.5 | 280,430.0 | 157,135.8 | 46,066.2 | 6.7 | 8,648.7 | 0.0 | 3,284,425.0 | | | | | | | | | | | | | | Moneda Extranjera | 5,020,228.6 | 7,427,237.1 | 5,169,963.1 | 1,601,344.8 | 1,466,165.0 | 463,614.6 | 29,079.9 | 474,388.4 | 22,479.5 | 21,674,501.0 | | Caja | 275,584.8 | 197,169.5 | 380,098.4 | 81,924.5 | 68,045.4 | 64,339.0 | 303.5 | 55,069.8 | 2,569.9 | 1,125,104.7 | | Banco Central de Nicaragua | 1,387.2 | 11,627.8 | 1,451.2 | 0.0 | 335,280.7 | 69,614.2 | 0.0 | 317,806.2 | 42.5 | 737,209.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 259,465.2 | 0.0 | 39,910.6 | 28,148.5 | 7,310.6 | 19,867.1 | 354,702.0 | | Depositos en Instituciones Financieras del exterior | 2,670,484.5 | 4,990,222.8 | 2,414,050.1 | 404,817.4 | 549,462.1 | 47,261.5 | 621.0 | 22,423.1 | 0.0 | 11,099,342.5 | | Otras disponibilidades | 2,072,772.1 | 2,228,217.1 | 2,374,363.4 | 855,137.7 | 513,376.9 | 242,489.3 | 6.8 | 71,778.7 | 0.0 | 8,358,142.1 | | | | | | | | | | | | | | Inversiones en valores, neto | 6,774,300.2 | 6,389,090.4 | 1,002,484.1 | 1,316,997.7 | 254,211.4 | 0.0 | 0.0 | 2,146.4 | 81,435.4 | 15,820,665.6 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Inversiones Disponibles para la Venta | 124,812.2 | 1,556,742.6 | 1,002,484.1 | 331,840.3 | 254,211.4 | 0.0 | 0.0 | 0.0 | 0.0 | 3,270,090.5 | | Inversiones Mantenidas Hasta el Vencimiento | 6,649,488.0 | 4,832,347.8 | 0.0 | 985,157.5 | 0.0 | 0.0 | 0.0 | 2,146.4 | 81,435.4 | 12,550,575.1 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 25,052.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,052.7 | | | | | | | | | | | | | | Cartera de Creditos, neta | 10,225,387.4 | 8,373,513.4 | 9,776,130.3 | 4,892,148.7 | 2,845,960.3 | 2,081,237.7 | 319,171.6 | 1,853,594.7 | 465,493.0 | 40,832,637.1 | | Créditos vigentes | 9,304,586.7 | 7,531,424.9 | 9,594,879.0 | 4,506,991.7 | 2,597,744.7 | 1,851,682.0 | 294,745.4 | 1,175,429.0 | 456,854.3 | 37,314,337.8 | | Créditos prorrogados | 50,680.9 | 50,445.4 | 15,833.8 | 0.0 | 0.0 | 23,406.0 | 419.6 | 21,379.6 | 536.4 | 162,701.6 | | Créditos reestructurados | 724,149.0 | 718,503.5 | 249,593.1 | 320,293.1 | 264,879.2 | 227,984.6 | 22,072.7 | 570,268.6 | 33,111.3 | 3,130,855.1 | | Créditos vencidos | 231,982.4 | 213,272.0 | 111,121.2 | 128,690.3 | 95,324.4 | 47,220.3 | 1,234.8 | 220,855.8 | 35,933.6 | 1,085,634.8 | | Créditos en cobro judicial | 48,398.4 | 106,254.4 | 71,062.9 | 31,813.6 | 20,671.8 | 11,949.1 | 11,849.5 | 87,098.5 | 27,597.0 | 416,695.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 156,391.5 | 173,596.0 | 96,492.8 | 78,708.8 | 60,999.4 | 64,825.9 | 2,454.0 | 71,534.3 | 9,614.1 | 714,616.7 | | Provisiones por incobrabilidad de cartera de creditos | -290,801.5 | -419,982.6 | -362,852.6 | -174,348.9 | -193,659.2 | -145,830.1 | -13,604.4 | -292,971.1 | -98,153.8 | -1,992,204.2 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 73,113.1 | 193,717.6 | 62,560.3 | 20,048.5 | 59,739.6 | 15,194.1 | 2,901.8 | 10,384.6 | 2,481.3 | 440,140.9 | | Bienes de uso, neto | 621,206.0 | 172,614.7 | 414,542.8 | 76,874.4 | 62,928.0 | 335,352.2 | 9,236.7 | 37,209.7 | 11,803.2 | 1,741,767.7 | | Bienes recibidos en recuperacion de creditos, neto | 85,711.3 | 131,856.6 | 2,533.7 | 22,780.6 | 2,261.4 | 81,701.3 | 5,085.1 | 225,497.6 | 6,656.9 | 564,084.7 | | Invesiones permanentes en acciones | 48,594.6 | 251,085.6 | 31,744.9 | 4,591.6 | 28,314.9 | 0.0 | 0.0 | 0.0 | 0.0 | 364,331.6 | | Otros activos neto | 136,069.7 | 218,443.8 | 28,131.8 | 145,230.2 | 70,798.5 | 50,718.0 | 754.9 | 63,384.6 | 32,586.5 | 746,118.0 | | Pasivo | 23,205,909.0 | 22,889,143.2 | 15,523,105.3 | 7,924,227.5 | 4,381,204.9 | 2,956,625.0 | 298,055.5 | 2,788,846.4 | 515,443.7 | 80,482,560.5 | | Obligaciones con el Público | 19,556,661.6 | 19,191,426.7 | 13,923,054.9 | 6,826,325.1 | 3,953,220.1 | 1,752,877.3 | 0.0 | 629,220.7 | 0.0 | 65,832,786.3 | | Moneda Nacional | 6,456,711.0 | 5,590,787.2 | 3,336,306.2 | 1,545,287.2 | 940,856.7 | 250,148.7 | 0.0 | 268,193.9 | 0.0 | 18,388,290.8 | | Depositos a la Vista | 2,505,540.0 | 2,974,783.1 | 2,395,304.8 | 366,493.1 | 453,322.2 | 93,956.5 | 0.0 | 71,137.8 | 0.0 | 8,860,537.6 | | Depositos de Ahorro | 2,543,719.0 | 1,611,728.1 | 826,358.3 | 930,526.0 | 325,413.6 | 134,704.9 | 0.0 | 84,832.5 | 0.0 | 6,457,282.5 | | Depositos a Plazo | 1,407,452.1 | 1,004,275.9 | 114,643.0 | 248,268.1 | 162,120.9 | 21,487.2 | 0.0 | 112,223.6 | 0.0 | 3,070,470.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Moneda Extranjera | 12,817,544.7 | 13,357,314.5 | 10,417,945.0 | 5,156,523.4 | 2,963,431.2 | 1,464,502.8 | 0.0 | 351,740.8 | 0.0 | 46,529,002.5 | | Depositos a la Vista | 2,515,143.5 | 6,761,026.9 | 3,399,705.2 | 431,731.8 | 589,116.7 | 128,628.2 | 0.0 | 30,945.8 | 0.0 | 13,856,298.2 | | Depositos de Ahorro | 5,010,564.3 | 4,084,579.7 | 4,058,055.0 | 2,831,582.7 | 1,503,655.9 | 591,878.5 | 0.0 | 140,910.7 | 0.0 | 18,221,226.7 | | Depositos a Plazo | 5,291,836.9 | 2,511,707.9 | 2,960,184.8 | 1,893,208.9 | 870,658.6 | 743,996.2 | 0.0 | 179,884.2 | 0.0 | 14,451,477.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Otras obligaciones | 175,093.7 | 193,057.1 | 104,541.3 | 77,670.2 | 25,017.3 | 16,738.8 | 0.0 | 5,853.8 | 0.0 | 597,972.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 107,312.2 | 50,267.9 | 64,262.4 | 46,844.2 | 23,914.9 | 21,486.9 | 0.0 | 3,432.2 | 0.0 | 317,520.8 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,116,508.3 | 2,773,189.9 | 1,220,923.7 | 747,139.3 | 208,650.6 | 938,130.1 | 292,323.7 | 1,828,594.3 | 451,710.3 | 11,577,170.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 251,368.3 | 474,553.5 | 252,543.4 | 183,761.4 | 31,070.0 | 157,006.7 | 2,210.7 | 219,837.0 | 872.8 | 1,573,223.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 509,129.8 | 441,401.0 | 335,195.9 | 344,606.8 | 128,197.7 | 74,428.9 | 8,430.2 | 178,986.9 | 59,900.0 | 2,080,277.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 446,573.4 | 0.0 | 690,328.0 | 0.0 | 1,136,901.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,356,010.2 | 1,857,235.4 | 633,184.4 | 218,771.1 | 49,382.9 | 260,121.1 | 281,682.8 | 739,442.3 | 390,937.4 | 6,786,767.6 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 186,006.0 | 82,262.7 | 0.0 | 116,705.8 | 0.0 | 36,924.0 | 0.0 | 0.0 | 0.0 | 421,898.5 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras cuentas por pagar | 40,572.9 | 107,196.7 | 126,894.0 | 11,100.2 | 50,222.7 | 33,876.1 | 1,816.6 | 28,458.3 | 7,636.8 | 407,774.3 | | Otros pasivos y provisiones | 198,752.2 | 223,200.4 | 252,232.7 | 72,734.2 | 169,111.6 | 50,706.1 | 3,915.3 | 36,458.2 | 13,339.0 | 1,020,449.7 | | Obligaciones subordinadas | 107,408.0 | 511,866.8 | 0.0 | 150,222.9 | 0.0 | 144,111.4 | 0.0 | 266,114.9 | 42,757.6 | 1,222,481.7 | | Impuestos diferidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Reservas para obligaciones laborales al retiro | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Patrimonio | 2,112,960.9 | 1,985,211.0 | 2,118,456.5 | 786,592.0 | 698,640.7 | 194,727.3 | 70,373.9 | 8,618.5 | 122,573.4 | 8,098,154.2 | | Capital social pagado | 1,000,000.0 | 893,400.0 | 655,000.0 | 560,000.0 | 233,000.0 | 399,430.3 | 50,000.0 | 446,255.1 | 179,520.0 | 4,416,605.4 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Aportes patrimoniales no capitalizables | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 3,865.1 | 0.0 | 3,865.9 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | -1,488.8 | 16,129.7 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 15,440.9 | | Reservas patrimoniales | 373,042.6 | 331,422.7 | 376,008.1 | 128,192.5 | 149,118.5 | 32,871.6 | 7,158.4 | 41,285.8 | 13,910.9 | 1,453,011.1 | | Resultados acumulados de ejercicios anteriores | 655,646.8 | 649,292.5 | 896,808.8 | 83,402.5 | 270,441.2 | -135,501.3 | 6,603.1 | -305,842.6 | -50,143.9 | 2,070,707.1 | | Resultados del Periodo | 85,760.3 | 94,965.5 | 189,839.7 | 14,997.0 | 46,081.0 | -102,073.5 | 6,612.4 | -176,944.9 | -20,713.6 | 138,523.8 | | Cuentas contingentes | 5,062,264.3 | 3,065,116.1 | 3,711,699.0 | 471,954.8 | 3,089,772.8 | 2,443.8 | 0.0 | 34,614.0 | 0.0 | 15,437,864.8 | | Cuentas de orden | 28,701,322.4 | 22,324,354.4 | 5,197,707.7 | 13,542,655.1 | 3,092,493.4 | 7,151,252.2 | 1,137,808.6 | 7,203,140.8 | 2,089,233.8 | 90,439,968.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2009 C$ 20.2528 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2010 C$ 21.2654 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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