| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 26,817,944.6 | 26,853,748.7 | 17,581,967.1 | 8,625,818.2 | 5,077,872.3 | 2,918,738.1 | 338,643.3 | 600,761.1 | 88,815,493.4 | | Disponibilidades | 7,700,211.7 | 8,155,653.3 | 6,172,252.3 | 2,323,096.6 | 1,181,075.6 | 556,668.8 | 17,906.8 | 26,756.7 | 26,133,622.0 | | Moneda Nacional | 2,637,936.3 | 1,637,262.3 | 1,839,952.0 | 633,524.3 | 346,052.0 | 127,013.3 | 982.5 | 11,242.0 | 7,233,964.8 | | Caja | 571,617.5 | 311,628.4 | 588,801.2 | 90,908.6 | 56,179.0 | 60,193.2 | 80.0 | 3,149.5 | 1,682,557.5 | | Banco Central de Nicaragua | 690,063.3 | 381,143.8 | 524,454.4 | 39,462.3 | 122,501.1 | 3,230.6 | 0.0 | 209.8 | 1,761,065.3 | | Depositos e Instituciones Financieras del Pais | 5,683.4 | 0.0 | 0.0 | 208,946.6 | 6,661.6 | 11,418.7 | 895.8 | 7,882.7 | 241,488.8 | | Otras disponibilidades | 1,370,572.0 | 944,490.0 | 726,696.4 | 294,206.8 | 160,710.3 | 52,170.9 | 6.7 | 0.0 | 3,548,853.1 | | | | | | | | | | | | | Moneda Extranjera | 5,062,275.5 | 6,518,391.0 | 4,332,300.3 | 1,689,572.3 | 835,023.7 | 429,655.5 | 16,924.3 | 15,514.7 | 18,899,657.2 | | Caja | 275,436.6 | 137,833.5 | 457,631.6 | 80,157.4 | 89,305.1 | 63,189.5 | 39.7 | 2,611.4 | 1,106,204.8 | | Banco Central de Nicaragua | 30,047.0 | 282,931.7 | 213,695.2 | 110,229.5 | 94,430.0 | 39,705.6 | 0.0 | 43.1 | 771,082.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 148,144.5 | 0.0 | 30,334.1 | 16,033.3 | 12,860.2 | 207,372.1 | | Depositos en Instituciones Financieras del exterior | 2,514,757.0 | 3,201,710.8 | 1,864,361.5 | 490,563.9 | 153,122.4 | 38,842.4 | 846.6 | 0.0 | 8,264,204.7 | | Otras disponibilidades | 2,242,034.8 | 2,895,914.9 | 1,796,612.0 | 860,477.0 | 498,166.2 | 257,584.0 | 4.7 | 0.0 | 8,550,793.7 | | | | | | | | | | | | | Inversiones en valores, neto | 8,207,778.2 | 9,029,407.9 | 441,192.6 | 1,066,801.6 | 860,971.0 | 0.0 | 0.0 | 45,266.7 | 19,651,417.9 | | 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 | | Inversiones Disponibles para la Venta | 32,664.6 | 1,693,712.1 | 118,262.9 | 9,673.6 | 430,290.5 | 0.0 | 0.0 | 0.0 | 2,284,603.7 | | Inversiones Mantenidas Hasta el Vencimiento | 8,175,113.5 | 7,335,695.8 | 322,929.7 | 1,057,128.0 | 430,680.5 | 0.0 | 0.0 | 45,266.7 | 17,366,814.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 21,398.5 | 0.0 | 0.0 | 0.0 | 0.0 | 21,398.5 | | | | | | | | | | | | | Cartera de Creditos, neta | 9,980,216.2 | 8,673,158.0 | 10,431,999.2 | 4,949,934.2 | 2,809,824.9 | 1,908,234.8 | 295,876.2 | 473,200.0 | 39,522,443.6 | | Créditos vigentes | 9,093,732.6 | 7,876,223.6 | 10,269,993.5 | 4,601,537.6 | 2,596,132.3 | 1,738,007.6 | 288,097.8 | 460,743.2 | 36,924,468.2 | | Créditos prorrogados | 19,523.8 | 13,102.1 | 1,585.0 | 0.0 | 0.0 | 5,362.7 | 827.8 | 459.4 | 40,860.8 | | Créditos reestructurados | 813,552.0 | 804,334.8 | 248,114.1 | 303,232.6 | 248,592.9 | 232,385.6 | 4,957.6 | 32,874.9 | 2,688,044.4 | | Créditos vencidos | 188,254.2 | 186,690.2 | 93,966.5 | 135,593.3 | 87,099.7 | 40,905.4 | 1,323.1 | 26,737.5 | 760,569.9 | | Créditos en cobro judicial | 50,036.6 | 74,342.0 | 81,029.8 | 40,852.6 | 16,827.4 | 18,762.4 | 11,365.8 | 30,177.2 | 323,393.7 | | Intereses y Comisiones por Cobrar sobre Creditos | 156,435.4 | 164,942.9 | 114,329.4 | 66,522.6 | 53,189.9 | 59,646.1 | 2,071.3 | 9,348.9 | 626,486.5 | | Provisiones por incobrabilidad de cartera de creditos | -341,318.3 | -446,477.6 | -377,019.1 | -197,804.4 | -192,017.3 | -186,834.9 | -12,767.2 | -87,141.2 | -1,841,379.9 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 71,259.5 | 183,469.1 | 58,285.9 | 16,195.8 | 44,808.5 | 11,002.9 | 2,493.6 | 2,333.1 | 389,848.3 | | Bienes de uso, neto | 612,893.8 | 173,614.1 | 412,253.5 | 83,300.6 | 61,136.6 | 326,899.4 | 9,178.1 | 11,738.6 | 1,691,014.7 | | Bienes recibidos en recuperacion de creditos, neto | 64,714.6 | 138,724.7 | 4,031.8 | 22,283.0 | 3,330.4 | 74,644.7 | 12,009.7 | 9,394.7 | 329,133.5 | | Invesiones permanentes en acciones | 48,594.6 | 239,040.4 | 31,978.5 | 4,591.6 | 28,314.9 | 0.0 | 0.0 | 0.0 | 352,520.1 | | Otros activos neto | 132,276.0 | 260,681.2 | 29,973.2 | 138,216.3 | 88,410.4 | 41,287.4 | 1,178.9 | 32,071.3 | 724,094.9 | | Pasivo | 24,616,363.4 | 24,856,215.9 | 15,365,961.2 | 7,844,886.8 | 4,352,529.9 | 2,715,658.3 | 264,220.6 | 486,575.7 | 80,502,411.8 | | Obligaciones con el Público | 20,856,422.8 | 21,045,182.4 | 13,941,351.1 | 6,753,633.4 | 3,987,342.3 | 1,884,403.7 | 0.0 | 0.0 | 68,468,335.7 | | Moneda Nacional | 6,953,573.5 | 4,792,796.1 | 3,568,002.7 | 1,542,552.1 | 1,010,562.1 | 293,103.9 | 0.0 | 0.0 | 18,160,590.4 | | Depositos a la Vista | 2,102,482.9 | 2,116,466.5 | 2,462,910.8 | 390,420.8 | 428,644.9 | 83,407.4 | 0.0 | 0.0 | 7,584,333.3 | | Depositos de Ahorro | 3,060,592.7 | 1,845,212.5 | 1,000,359.7 | 916,128.6 | 211,307.4 | 150,393.4 | 0.0 | 0.0 | 7,183,994.3 | | Depositos a Plazo | 1,790,497.9 | 831,117.0 | 104,732.2 | 236,002.7 | 370,609.8 | 59,303.1 | 0.0 | 0.0 | 3,392,262.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 13,521,719.9 | 16,066,218.8 | 10,141,817.4 | 5,060,309.5 | 2,923,915.3 | 1,540,681.4 | 0.0 | 0.0 | 49,254,662.2 | | Depositos a la Vista | 2,599,259.9 | 9,273,829.3 | 3,099,706.0 | 590,087.3 | 552,119.3 | 117,202.7 | 0.0 | 0.0 | 16,232,204.5 | | Depositos de Ahorro | 5,843,318.3 | 4,252,134.0 | 4,130,158.3 | 2,668,001.5 | 1,527,108.7 | 614,680.4 | 0.0 | 0.0 | 19,035,401.1 | | Depositos a Plazo | 5,079,141.7 | 2,540,255.4 | 2,911,953.1 | 1,802,220.7 | 844,687.3 | 808,798.3 | 0.0 | 0.0 | 13,987,056.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 274,761.9 | 137,822.7 | 176,388.3 | 103,096.8 | 29,793.3 | 25,938.3 | 0.0 | 0.0 | 747,801.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 106,367.6 | 48,344.8 | 55,142.7 | 47,675.0 | 23,071.6 | 24,680.2 | 0.0 | 0.0 | 305,281.8 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,194,909.2 | 2,846,139.9 | 1,001,721.5 | 714,114.0 | 128,740.9 | 564,000.6 | 258,058.5 | 419,650.5 | 9,127,335.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 232,408.0 | 457,663.3 | 229,446.6 | 169,879.5 | 4,327.3 | 126,729.0 | 0.0 | 624.4 | 1,221,078.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 478,635.6 | 420,866.5 | 162,164.2 | 323,058.4 | 123,999.8 | 0.0 | 7,342.8 | 37,078.7 | 1,553,146.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 172,228.8 | 0.0 | 0.0 | 172,228.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,483,865.6 | 1,967,610.1 | 610,110.7 | 221,176.2 | 413.8 | 265,042.8 | 250,715.7 | 381,947.3 | 6,180,882.1 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 189,252.2 | 44,604.5 | 0.0 | 137,856.0 | 0.0 | 37,381.0 | 0.0 | 0.0 | 409,093.7 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras cuentas por pagar | 61,513.9 | 126,096.5 | 166,094.4 | 10,623.2 | 41,194.7 | 29,527.9 | 1,963.4 | 7,754.7 | 444,768.6 | | Otros pasivos y provisiones | 205,463.2 | 276,707.5 | 256,794.3 | 76,483.0 | 195,252.0 | 50,189.4 | 4,198.7 | 15,883.7 | 1,080,971.8 | | Obligaciones subordinadas | 108,802.1 | 517,485.3 | 0.0 | 152,177.2 | 0.0 | 150,155.6 | 0.0 | 43,286.8 | 971,907.0 | | Impuestos diferidos | 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 | | Patrimonio | 2,201,581.2 | 1,997,532.8 | 2,216,005.9 | 780,931.4 | 725,342.4 | 203,079.8 | 74,422.7 | 114,185.4 | 8,313,081.5 | | Capital social pagado | 1,000,000.0 | 1,012,400.0 | 755,000.0 | 560,000.0 | 245,000.0 | 506,200.9 | 50,000.0 | 179,520.0 | 4,308,120.9 | | Capital donado | 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 | 0.0 | 0.8 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | 0.0 | 19,759.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 20,559.0 | | Reservas patrimoniales | 373,042.6 | 331,422.7 | 376,008.1 | 128,192.5 | 149,118.5 | 32,871.6 | 7,158.4 | 13,910.9 | 1,411,725.3 | | Resultados acumulados de ejercicios anteriores | 655,646.8 | 482,717.0 | 796,808.8 | 83,402.5 | 258,441.2 | -135,501.3 | 6,603.1 | -50,143.9 | 2,097,974.2 | | Resultados del Periodo | 172,891.8 | 151,233.5 | 287,389.0 | 9,336.5 | 72,782.7 | -200,491.6 | 10,661.2 | -29,101.7 | 474,701.3 | | Cuentas contingentes | 5,419,842.9 | 2,841,013.7 | 3,839,202.8 | 490,744.6 | 3,062,675.3 | 2,703.1 | 0.0 | 0.0 | 15,656,182.5 | | Cuentas de orden | 29,330,496.9 | 22,540,022.7 | 5,226,110.9 | 13,308,247.4 | 2,988,912.2 | 6,998,054.7 | 1,064,523.1 | 2,072,483.7 | 83,528,851.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2009 C$ 20.5034 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2010 C$ 21.5286 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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