| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 27,665,928.3 | 26,113,215.8 | 17,696,486.1 | 8,510,669.8 | 5,019,646.6 | 2,850,179.3 | 318,193.9 | 582,475.6 | 88,756,795.4 | | Disponibilidades | 8,007,648.2 | 7,260,213.3 | 6,775,744.8 | 2,193,439.2 | 1,746,097.1 | 526,011.9 | 11,856.0 | 40,378.9 | 26,561,389.4 | | Moneda Nacional | 2,304,739.3 | 1,677,262.6 | 1,771,562.9 | 649,129.5 | 476,237.0 | 115,383.1 | 1,005.9 | 24,473.8 | 7,019,794.3 | | Caja | 576,001.9 | 312,734.9 | 535,129.8 | 102,129.7 | 64,249.8 | 54,191.4 | 63.3 | 4,176.3 | 1,648,677.1 | | Banco Central de Nicaragua | 453,289.1 | 480,063.3 | 510,363.8 | 5,461.3 | 250,414.6 | 10,082.2 | 0.0 | 209.8 | 1,709,884.0 | | Depositos e Instituciones Financieras del Pais | 7,358.4 | 0.0 | 0.0 | 259,279.9 | 7,485.0 | 1,103.9 | 935.9 | 20,087.7 | 296,250.7 | | Otras disponibilidades | 1,268,090.0 | 884,464.5 | 726,069.3 | 282,258.7 | 154,087.7 | 50,005.7 | 6.7 | 0.0 | 3,364,982.5 | | | | | | | | | | | | | Moneda Extranjera | 5,702,908.9 | 5,582,950.6 | 5,004,181.9 | 1,544,309.7 | 1,269,860.1 | 410,628.8 | 10,850.0 | 15,905.1 | 19,541,595.1 | | Caja | 245,237.5 | 227,699.6 | 434,195.3 | 66,831.2 | 92,148.4 | 60,698.7 | 72.2 | 2,381.4 | 1,129,264.4 | | Banco Central de Nicaragua | 154,953.9 | 198,619.0 | 793,119.0 | 55,867.0 | 203,565.3 | 23,455.6 | 0.0 | 43.2 | 1,429,623.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 128,170.2 | 0.0 | 39,838.7 | 9,778.1 | 13,480.4 | 191,267.4 | | Depositos en Instituciones Financieras del exterior | 3,055,594.2 | 2,494,777.2 | 1,986,304.2 | 431,958.4 | 486,520.3 | 36,966.7 | 995.7 | 0.0 | 8,493,116.7 | | Otras disponibilidades | 2,247,123.3 | 2,661,854.8 | 1,790,563.4 | 861,482.9 | 487,626.1 | 249,669.1 | 4.0 | 0.0 | 8,298,323.6 | | | | | | | | | | | | | Inversiones en valores, neto | 8,578,753.5 | 9,015,687.5 | 10,851.7 | 1,079,847.5 | 266,382.8 | 0.0 | 0.0 | 0.0 | 18,951,523.0 | | 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 | 32,708.3 | 2,997,885.4 | 10,851.7 | 9,712.4 | 266,382.8 | 0.0 | 0.0 | 0.0 | 3,317,540.7 | | Inversiones Mantenidas Hasta el Vencimiento | 8,546,045.1 | 6,017,802.1 | 0.0 | 1,070,135.1 | 0.0 | 0.0 | 0.0 | 0.0 | 15,633,982.3 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 21,524.9 | 0.0 | 0.0 | 0.0 | 0.0 | 21,524.9 | | | | | | | | | | | | | Cartera de Creditos, neta | 10,140,830.6 | 8,879,212.0 | 10,373,219.5 | 4,944,224.2 | 2,818,700.7 | 1,870,938.8 | 281,728.9 | 487,809.9 | 39,796,664.5 | | Créditos vigentes | 9,256,035.4 | 8,105,077.8 | 10,196,089.5 | 4,607,623.5 | 2,602,081.0 | 1,695,688.9 | 273,222.2 | 473,308.4 | 37,209,126.5 | | Créditos prorrogados | 20,179.8 | 11,914.9 | 8,336.9 | 0.0 | 0.0 | 3,101.3 | 831.1 | 444.8 | 44,808.8 | | Créditos reestructurados | 834,362.8 | 796,992.9 | 238,555.8 | 297,447.1 | 258,010.8 | 211,504.3 | 4,250.3 | 32,787.8 | 2,673,911.8 | | Créditos vencidos | 148,431.0 | 201,449.5 | 102,915.3 | 110,000.2 | 79,143.4 | 14,985.9 | 2,757.3 | 22,323.4 | 682,006.0 | | Créditos en cobro judicial | 63,542.7 | 67,449.8 | 84,412.1 | 40,249.6 | 17,307.9 | 11,863.0 | 11,375.3 | 32,001.6 | 328,202.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 170,062.5 | 169,891.8 | 119,093.3 | 69,141.4 | 54,175.7 | 59,120.5 | 2,320.5 | 9,615.1 | 653,420.8 | | Provisiones por incobrabilidad de cartera de creditos | -351,783.5 | -473,564.6 | -376,183.4 | -180,237.6 | -192,018.1 | -125,325.1 | -13,027.9 | -82,671.2 | -1,794,811.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 101,645.5 | 197,254.0 | 63,269.7 | 21,432.3 | 27,006.9 | 11,355.4 | 2,368.7 | 1,513.6 | 425,846.0 | | Bienes de uso, neto | 600,574.7 | 173,589.4 | 408,557.4 | 81,222.7 | 69,486.5 | 333,004.5 | 9,133.5 | 11,840.7 | 1,687,409.3 | | Bienes recibidos en recuperacion de creditos, neto | 60,912.7 | 138,769.9 | 4,209.0 | 25,625.2 | 3,123.3 | 70,587.7 | 12,009.7 | 10,040.9 | 325,278.5 | | Invesiones permanentes en acciones | 48,594.6 | 239,040.4 | 31,997.5 | 4,591.6 | 28,314.9 | 0.0 | 0.0 | 0.0 | 352,539.0 | | Otros activos neto | 126,968.5 | 209,449.3 | 28,636.6 | 138,762.3 | 60,534.5 | 38,281.0 | 1,097.1 | 30,891.6 | 634,620.9 | | Pasivo | 25,443,603.7 | 24,107,314.9 | 15,436,500.6 | 7,726,317.7 | 4,283,302.5 | 2,657,970.3 | 243,405.0 | 469,092.0 | 80,367,506.7 | | Obligaciones con el Público | 21,682,850.1 | 20,497,346.5 | 14,007,098.2 | 6,640,553.8 | 3,917,805.5 | 1,844,351.2 | 0.0 | 0.0 | 68,590,005.3 | | Moneda Nacional | 6,827,764.9 | 4,874,123.7 | 3,539,446.7 | 1,456,053.4 | 947,302.7 | 294,438.2 | 0.0 | 0.0 | 17,939,129.6 | | Depositos a la Vista | 2,069,497.7 | 2,189,688.1 | 2,423,751.9 | 363,943.5 | 342,684.6 | 79,749.0 | 0.0 | 0.0 | 7,469,314.8 | | Depositos de Ahorro | 3,029,876.9 | 1,896,007.1 | 1,023,489.0 | 866,546.7 | 227,212.2 | 154,743.8 | 0.0 | 0.0 | 7,197,875.7 | | Depositos a Plazo | 1,728,390.4 | 788,428.5 | 92,205.8 | 225,563.1 | 377,405.9 | 59,945.5 | 0.0 | 0.0 | 3,271,939.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 14,474,211.7 | 15,425,331.7 | 10,265,785.1 | 5,081,334.0 | 2,915,788.1 | 1,515,593.9 | 0.0 | 0.0 | 49,678,044.5 | | Depositos a la Vista | 2,822,485.3 | 8,696,046.4 | 3,204,876.1 | 543,583.9 | 586,175.1 | 98,476.6 | 0.0 | 0.0 | 15,951,643.4 | | Depositos de Ahorro | 6,527,143.1 | 4,210,851.8 | 4,211,601.2 | 2,746,052.6 | 1,502,628.8 | 635,051.4 | 0.0 | 0.0 | 19,833,328.8 | | Depositos a Plazo | 5,124,583.3 | 2,518,433.5 | 2,849,307.9 | 1,791,697.5 | 826,984.2 | 782,066.0 | 0.0 | 0.0 | 13,893,072.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 273,029.4 | 149,309.6 | 148,575.2 | 53,228.6 | 30,473.4 | 10,388.5 | 0.0 | 0.0 | 665,004.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 107,844.1 | 48,581.6 | 53,291.1 | 49,937.8 | 24,241.2 | 23,930.6 | 0.0 | 0.0 | 307,826.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,190,725.4 | 2,689,218.3 | 971,459.0 | 690,215.8 | 128,960.2 | 545,943.6 | 237,019.4 | 399,910.9 | 8,853,452.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 226,679.8 | 451,296.9 | 226,074.9 | 165,650.2 | 4,329.3 | 118,015.5 | 0.0 | 544.6 | 1,192,591.2 | | Préstamos del Banco Centroaméricano de Integración Económica | 468,315.3 | 415,297.5 | 161,572.9 | 314,321.5 | 123,957.7 | 0.0 | 6,909.1 | 37,227.7 | 1,527,601.6 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 172,920.8 | 0.0 | 0.0 | 172,920.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,495,730.3 | 1,822,623.9 | 583,811.2 | 210,244.1 | 673.2 | 255,007.3 | 230,110.3 | 362,138.6 | 5,960,339.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 184,615.5 | 25,005.4 | 0.0 | 155,226.3 | 0.0 | 37,516.7 | 0.0 | 0.0 | 402,364.0 | | 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 | 65,872.4 | 127,643.8 | 191,183.1 | 10,517.1 | 44,089.4 | 28,386.5 | 2,209.8 | 8,308.0 | 478,209.9 | | Otros pasivos y provisiones | 211,229.1 | 246,437.3 | 266,760.4 | 78,320.3 | 192,447.4 | 49,618.3 | 4,175.8 | 17,422.0 | 1,066,410.6 | | Obligaciones subordinadas | 108,311.2 | 521,663.6 | 0.0 | 151,484.4 | 0.0 | 152,153.8 | 0.0 | 43,451.2 | 977,064.2 | | 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 | 2,222,324.6 | 2,005,900.9 | 2,259,985.5 | 784,352.2 | 736,344.2 | 192,209.0 | 74,788.9 | 113,383.6 | 8,389,288.8 | | Capital social pagado | 1,000,000.0 | 1,012,400.0 | 755,000.0 | 560,000.0 | 245,000.0 | 506,201.2 | 50,000.0 | 179,520.0 | 4,308,121.2 | | 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 | 18,119.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 18,919.2 | | 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 | 193,635.2 | 161,241.4 | 331,368.6 | 12,757.2 | 83,784.5 | -211,362.8 | 11,027.4 | -29,903.5 | 552,548.1 | | Cuentas contingentes | 5,278,397.1 | 2,911,643.2 | 4,041,980.4 | 485,547.2 | 3,027,247.0 | 4,052.1 | 0.0 | 0.0 | 15,748,867.0 | | Cuentas de orden | 29,284,675.3 | 22,544,364.0 | 5,111,198.2 | 13,483,329.2 | 2,981,766.4 | 6,865,016.3 | 1,037,505.5 | 2,044,305.0 | 83,352,160.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2009 C$ 20.5858 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2010 C$ 21.6151 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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