| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | BANEX | FAMA | Sistema Bancario y Financiero | | Activo | 26,216,091.2 | 27,649,968.2 | 18,444,532.8 | 8,845,160.9 | 5,122,734.3 | 3,175,434.8 | 353,237.4 | 2,038,386.6 | 628,916.3 | 92,474,462.7 | | Disponibilidades | 7,955,395.6 | 8,967,749.7 | 7,151,426.6 | 2,487,197.7 | 1,640,359.3 | 691,801.9 | 24,938.9 | 126,650.1 | 67,014.0 | 29,112,533.7 | | Moneda Nacional | 2,730,365.6 | 1,305,384.6 | 1,888,845.5 | 785,919.5 | 404,498.3 | 131,286.2 | 884.6 | 27,236.2 | 32,160.0 | 7,306,580.6 | | Caja | 505,043.5 | 286,735.3 | 512,623.3 | 82,624.3 | 62,891.8 | 45,553.3 | 64.8 | 22,755.0 | 2,942.2 | 1,521,233.7 | | Banco Central de Nicaragua | 967,493.8 | 77,867.1 | 0.0 | 158,963.5 | 173,984.9 | 13,353.7 | 0.0 | 3,240.3 | 209.8 | 1,395,113.2 | | Depositos e Instituciones Financieras del Pais | 10,497.5 | 0.0 | 0.0 | 263,548.8 | 3,084.0 | 23,364.9 | 813.0 | 606.3 | 29,008.0 | 330,922.5 | | Otras disponibilidades | 1,247,330.8 | 940,782.1 | 1,376,222.3 | 280,782.9 | 164,537.5 | 49,014.3 | 6.7 | 634.6 | 0.0 | 4,059,311.2 | | | | | | | | | | | | | | Moneda Extranjera | 5,225,030.0 | 7,662,365.1 | 5,262,581.0 | 1,701,278.2 | 1,235,861.0 | 560,515.6 | 24,054.3 | 99,413.9 | 34,854.0 | 21,805,953.2 | | Caja | 239,404.5 | 294,633.3 | 413,719.2 | 79,191.8 | 78,817.1 | 75,823.4 | 95.8 | 40,717.3 | 2,281.4 | 1,224,683.7 | | Banco Central de Nicaragua | 783.5 | 768,471.5 | 210,354.9 | 104,467.7 | 122,633.7 | 103,787.9 | 0.0 | 10,128.3 | 42.9 | 1,320,670.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 265,385.9 | 0.0 | 27,825.5 | 23,411.6 | 25,878.3 | 32,529.7 | 375,031.0 | | Depositos en Instituciones Financieras del exterior | 2,740,832.7 | 3,683,368.5 | 2,378,231.0 | 261,229.8 | 529,013.7 | 97,194.9 | 541.6 | 19,581.1 | 0.0 | 9,709,993.4 | | Otras disponibilidades | 2,244,009.3 | 2,915,891.8 | 2,260,275.9 | 991,003.1 | 505,396.4 | 255,884.0 | 5.4 | 3,108.8 | 0.0 | 9,175,574.8 | | | | | | | | | | | | | | Inversiones en valores, neto | 7,274,953.9 | 9,115,424.3 | 546,662.5 | 1,164,016.3 | 460,432.4 | 0.0 | 0.0 | 2,164.0 | 45,256.7 | 18,608,910.1 | | 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 | 32,619.1 | 1,653,465.1 | 225,068.1 | 95,378.7 | 374,608.6 | 0.0 | 0.0 | 0.0 | 0.0 | 2,381,139.6 | | Inversiones Mantenidas Hasta el Vencimiento | 7,242,334.8 | 7,461,959.3 | 321,594.4 | 1,068,637.6 | 85,823.8 | 0.0 | 0.0 | 2,164.0 | 45,256.7 | 16,227,770.6 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 25,465.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,465.7 | | | | | | | | | | | | | | Cartera de Creditos, neta | 10,033,781.4 | 8,553,761.4 | 10,205,447.1 | 4,904,038.5 | 2,813,649.8 | 2,021,116.4 | 302,553.8 | 1,581,069.2 | 462,062.8 | 40,877,480.4 | | Créditos vigentes | 9,133,789.8 | 7,751,231.4 | 10,047,689.6 | 4,547,687.2 | 2,592,312.6 | 1,807,034.2 | 294,383.3 | 1,013,961.0 | 450,893.2 | 37,638,982.6 | | Créditos prorrogados | 32,320.7 | 18,958.0 | 1,878.6 | 0.0 | 0.0 | 10,828.0 | 0.0 | 8,705.4 | 493.3 | 73,184.0 | | Créditos reestructurados | 784,375.1 | 794,573.6 | 250,121.2 | 300,767.5 | 249,945.7 | 229,922.1 | 5,133.3 | 524,342.8 | 32,582.7 | 3,171,764.0 | | Créditos vencidos | 192,301.5 | 171,589.0 | 87,129.0 | 152,908.2 | 95,159.5 | 43,681.5 | 979.6 | 291,521.4 | 31,659.7 | 1,066,929.5 | | Créditos en cobro judicial | 49,469.7 | 75,078.6 | 80,737.9 | 30,360.8 | 19,312.4 | 23,431.9 | 11,484.1 | 70,307.8 | 28,093.3 | 388,276.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 166,213.5 | 160,019.3 | 110,000.6 | 67,213.4 | 53,839.3 | 60,286.0 | 2,238.7 | 58,790.6 | 9,147.0 | 687,748.6 | | Provisiones por incobrabilidad de cartera de creditos | -324,689.1 | -417,688.6 | -372,109.9 | -194,898.6 | -196,919.8 | -154,067.3 | -11,665.3 | -386,559.9 | -90,806.4 | -2,149,404.9 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 85,084.6 | 192,769.3 | 60,496.7 | 16,601.1 | 39,579.6 | 15,669.8 | 2,400.6 | 20,072.9 | 1,700.5 | 434,375.2 | | Bienes de uso, neto | 612,516.9 | 169,928.2 | 415,306.7 | 84,964.1 | 61,811.0 | 328,966.3 | 9,222.9 | 36,742.6 | 11,802.3 | 1,731,261.1 | | Bienes recibidos en recuperacion de creditos, neto | 66,371.3 | 139,240.8 | 4,431.1 | 18,564.8 | 2,161.4 | 75,129.9 | 12,874.9 | 210,496.0 | 8,921.0 | 538,191.2 | | Invesiones permanentes en acciones | 48,594.6 | 239,040.4 | 31,965.1 | 4,591.6 | 28,314.9 | 0.0 | 0.0 | 0.0 | 0.0 | 352,506.6 | | Otros activos neto | 139,392.8 | 272,054.0 | 28,797.1 | 139,720.9 | 76,425.9 | 42,750.5 | 1,246.3 | 61,191.9 | 32,159.1 | 793,738.6 | | Pasivo | 24,040,694.2 | 25,656,195.9 | 16,261,803.5 | 8,068,665.7 | 4,413,698.0 | 2,916,767.6 | 279,485.0 | 1,948,071.3 | 513,653.5 | 84,099,034.6 | | Obligaciones con el Público | 20,293,435.1 | 21,993,412.2 | 14,374,124.6 | 7,006,541.2 | 4,013,670.3 | 1,902,463.1 | 0.0 | 7,787.0 | 0.0 | 69,591,433.5 | | Moneda Nacional | 6,937,814.2 | 4,947,584.0 | 3,570,629.8 | 1,574,306.5 | 1,047,045.1 | 298,141.7 | 0.0 | 0.0 | 0.0 | 18,375,521.3 | | Depositos a la Vista | 2,227,876.4 | 2,173,080.0 | 2,551,838.9 | 452,406.1 | 439,285.3 | 86,122.3 | 0.0 | 0.0 | 0.0 | 7,930,609.0 | | Depositos de Ahorro | 2,851,722.6 | 1,904,479.1 | 912,293.5 | 863,576.9 | 196,522.0 | 161,903.4 | 0.0 | 0.0 | 0.0 | 6,890,497.5 | | Depositos a Plazo | 1,858,215.2 | 870,024.9 | 106,497.4 | 258,323.4 | 411,237.8 | 50,116.0 | 0.0 | 0.0 | 0.0 | 3,554,414.8 | | 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 | 13,011,446.1 | 16,795,932.9 | 10,615,626.6 | 5,310,665.6 | 2,915,001.4 | 1,562,256.9 | 0.0 | 0.0 | 0.0 | 50,210,929.6 | | Depositos a la Vista | 2,719,830.7 | 10,013,868.5 | 3,501,209.7 | 622,903.2 | 546,503.0 | 135,596.9 | 0.0 | 0.0 | 0.0 | 17,539,912.0 | | Depositos de Ahorro | 5,272,276.5 | 4,181,946.4 | 4,141,923.4 | 2,862,875.4 | 1,520,465.6 | 626,150.7 | 0.0 | 0.0 | 0.0 | 18,605,638.1 | | Depositos a Plazo | 5,019,339.0 | 2,600,118.0 | 2,972,493.5 | 1,824,886.9 | 848,032.9 | 800,509.3 | 0.0 | 0.0 | 0.0 | 14,065,379.5 | | 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 | 240,744.3 | 200,040.9 | 129,077.4 | 75,224.0 | 28,956.5 | 18,525.0 | 0.0 | 7,787.0 | 0.0 | 700,355.1 | | Cargos financieros por pagar sobre obligaciones con el Público | 103,430.5 | 49,854.4 | 58,790.8 | 46,345.1 | 22,667.2 | 23,539.5 | 0.0 | 0.0 | 0.0 | 304,627.5 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,186,715.9 | 2,697,799.0 | 1,490,768.5 | 703,553.6 | 171,557.6 | 752,921.4 | 273,747.7 | 1,866,437.5 | 447,850.6 | 11,591,351.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 238,639.4 | 456,180.0 | 235,560.8 | 174,234.2 | 4,324.6 | 136,029.1 | 1,752.5 | 221,624.3 | 699.9 | 1,469,044.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 492,578.3 | 423,739.5 | 164,173.0 | 326,891.3 | 127,854.9 | 64,318.5 | 7,312.4 | 180,452.2 | 55,387.9 | 1,842,708.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 278,713.5 | 0.0 | 695,979.8 | 0.0 | 974,693.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,455,498.2 | 1,817,879.6 | 1,091,034.7 | 202,428.1 | 39,378.0 | 273,860.2 | 264,682.9 | 768,381.2 | 391,762.8 | 7,304,905.7 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 180,986.7 | 51,911.2 | 0.0 | 118,967.5 | 0.0 | 37,226.3 | 0.0 | 0.0 | 0.0 | 389,091.7 | | 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 | 65,226.1 | 120,878.3 | 147,724.8 | 10,207.6 | 55,364.2 | 23,273.0 | 1,718.0 | 21,938.2 | 7,762.8 | 454,093.1 | | Otros pasivos y provisiones | 206,437.4 | 279,007.2 | 249,185.6 | 78,490.7 | 173,106.0 | 52,779.3 | 4,019.2 | 48,064.4 | 14,932.3 | 1,106,022.1 | | Obligaciones subordinadas | 107,893.1 | 513,188.0 | 0.0 | 150,905.1 | 0.0 | 148,104.5 | 0.0 | 3,844.1 | 43,107.7 | 967,042.5 | | 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 | 2,175,397.0 | 1,993,772.3 | 2,182,729.3 | 776,495.2 | 709,036.3 | 258,667.2 | 73,752.5 | 90,315.3 | 115,262.9 | 8,375,428.0 | | Capital social pagado | 1,000,000.0 | 893,400.0 | 655,000.0 | 560,000.0 | 245,000.0 | 506,200.9 | 50,000.0 | 446,255.1 | 179,520.0 | 4,535,376.0 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 65,845.3 | 0.0 | 65,845.3 | | Aportes patrimoniales no capitalizables | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 201,810.5 | 0.0 | 201,811.3 | | 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 | 0.0 | 20,062.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 20,862.1 | | 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 | 612,667.0 | 896,808.8 | 83,402.5 | 258,441.2 | -135,501.3 | 6,603.1 | -305,842.6 | -50,143.9 | 2,022,081.6 | | Resultados del Periodo | 146,707.6 | 136,219.9 | 254,112.5 | 4,900.3 | 56,476.7 | -144,904.2 | 9,991.0 | -359,038.8 | -28,024.2 | 76,440.6 | | Cuentas contingentes | 5,339,498.1 | 2,879,851.0 | 3,769,023.0 | 470,291.4 | 3,080,794.6 | 4,057.5 | 0.0 | 53,216.1 | 0.0 | 15,596,731.7 | | Cuentas de orden | 28,986,612.5 | 22,349,005.5 | 5,452,632.4 | 13,504,508.5 | 3,001,064.1 | 7,121,662.9 | 1,105,770.5 | 6,895,438.9 | 2,021,861.6 | 90,438,556.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2009 C$ 20.4186 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2010 C$ 21.4395 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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