| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 28,940,262.9 | 26,411,798.6 | 17,843,130.7 | 8,602,231.2 | 5,176,082.0 | 2,802,421.5 | 324,521.5 | 608,185.1 | 90,708,633.5 | | Disponibilidades | 8,615,018.3 | 7,145,724.9 | 6,359,784.5 | 2,117,006.6 | 1,816,261.6 | 488,388.6 | 17,181.5 | 40,572.9 | 26,599,939.0 | | Moneda Nacional | 2,675,531.2 | 1,611,232.0 | 1,199,882.6 | 593,128.8 | 316,698.8 | 124,948.6 | 985.0 | 5,731.7 | 6,528,138.7 | | Caja | 540,621.2 | 272,391.3 | 546,243.4 | 61,233.3 | 66,323.1 | 46,724.1 | 51.5 | 3,270.0 | 1,536,857.8 | | Banco Central de Nicaragua | 820,911.2 | 0.0 | 0.0 | 126,188.2 | 86,150.0 | 2,352.8 | 0.0 | 209.8 | 1,035,812.1 | | Depositos e Instituciones Financieras del Pais | 5,807.5 | 0.0 | 0.0 | 119,442.0 | 2,136.1 | 23,788.6 | 926.8 | 2,251.8 | 154,352.9 | | Otras disponibilidades | 1,308,191.4 | 1,338,840.7 | 653,639.2 | 286,265.3 | 162,089.5 | 52,083.1 | 6.7 | 0.0 | 3,801,115.9 | | | | | | | | | | | | | Moneda Extranjera | 5,939,487.1 | 5,534,492.9 | 5,159,901.9 | 1,523,877.8 | 1,499,562.8 | 363,440.0 | 16,196.5 | 34,841.2 | 20,071,800.3 | | Caja | 258,414.3 | 151,808.7 | 454,068.5 | 82,786.8 | 84,462.2 | 57,593.3 | 67.6 | 2,363.8 | 1,091,565.1 | | Banco Central de Nicaragua | 219,728.9 | 82,349.9 | 528,772.3 | 5,060.2 | 369,245.0 | 10,023.1 | 0.0 | 43.4 | 1,215,222.8 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 152,176.1 | 0.0 | 21,103.9 | 15,416.3 | 32,434.0 | 221,130.3 | | Depositos en Instituciones Financieras del exterior | 3,172,347.3 | 2,553,778.7 | 2,314,315.5 | 424,003.3 | 562,110.1 | 21,935.0 | 709.4 | 0.0 | 9,049,199.3 | | Otras disponibilidades | 2,288,996.6 | 2,746,555.6 | 1,862,745.7 | 859,851.5 | 483,745.5 | 252,784.8 | 3.3 | 0.0 | 8,494,682.9 | | | | | | | | | | | | | Inversiones en valores, neto | 9,101,263.5 | 9,270,501.1 | 336,543.5 | 1,146,981.3 | 310,964.2 | 0.0 | 0.0 | 0.0 | 20,166,253.7 | | 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 | 32,645.2 | 4,208,718.8 | 10,971.1 | 9,752.8 | 310,964.2 | 0.0 | 0.0 | 0.0 | 4,573,052.1 | | Inversiones Mantenidas Hasta el Vencimiento | 9,068,618.3 | 5,061,782.3 | 325,572.4 | 1,137,228.5 | 0.0 | 0.0 | 0.0 | 0.0 | 15,593,201.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 83,016.0 | 0.0 | 0.0 | 0.0 | 0.0 | 83,016.0 | | | | | | | | | | | | | Cartera de Creditos, neta | 10,302,147.9 | 9,049,450.7 | 10,614,806.1 | 4,982,797.2 | 2,822,914.0 | 1,866,300.6 | 282,845.1 | 510,306.7 | 40,431,568.3 | | Créditos vigentes | 9,436,537.3 | 8,291,165.7 | 10,413,134.1 | 4,653,487.0 | 2,602,087.6 | 1,677,388.8 | 275,255.9 | 495,290.9 | 37,844,347.3 | | Créditos prorrogados | 15,119.0 | 12,021.5 | 11,149.7 | 0.0 | 0.0 | 198.2 | 834.6 | 419.0 | 39,742.0 | | Créditos reestructurados | 857,716.2 | 816,861.1 | 239,973.6 | 299,702.6 | 263,037.3 | 216,843.6 | 4,252.0 | 31,439.6 | 2,729,826.0 | | Créditos vencidos | 114,392.1 | 178,166.2 | 108,123.4 | 102,030.9 | 75,465.4 | 27,036.1 | 2,476.7 | 18,636.2 | 626,326.9 | | Créditos en cobro judicial | 59,980.6 | 68,216.6 | 104,562.8 | 35,191.5 | 17,677.6 | 14,642.9 | 11,233.1 | 31,593.0 | 343,097.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 186,079.2 | 170,774.9 | 123,978.0 | 70,141.8 | 52,115.6 | 59,891.7 | 2,097.2 | 10,505.9 | 675,584.2 | | Provisiones por incobrabilidad de cartera de creditos | -367,676.5 | -487,755.2 | -386,115.4 | -177,756.6 | -187,469.5 | -129,700.7 | -13,304.3 | -77,578.0 | -1,827,356.0 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 78,272.9 | 192,209.2 | 54,762.3 | 21,830.4 | 42,184.6 | 12,997.0 | 2,382.5 | 3,527.7 | 408,166.7 | | Bienes de uso, neto | 601,163.5 | 180,238.6 | 405,940.3 | 78,601.9 | 68,578.6 | 327,841.9 | 9,138.5 | 11,719.4 | 1,683,222.6 | | Bienes recibidos en recuperacion de creditos, neto | 59,935.5 | 137,874.7 | 5,977.8 | 26,631.3 | 3,535.2 | 67,282.2 | 11,842.1 | 10,943.9 | 324,022.6 | | Invesiones permanentes en acciones | 48,594.6 | 239,040.4 | 32,031.9 | 4,591.6 | 28,314.9 | 0.0 | 0.0 | 0.0 | 352,573.5 | | Otros activos neto | 133,866.8 | 196,759.0 | 33,284.2 | 140,774.8 | 83,328.8 | 39,611.2 | 1,131.7 | 31,114.5 | 659,871.1 | | Pasivo | 26,703,972.5 | 24,392,461.6 | 15,540,898.3 | 7,807,415.3 | 4,420,554.4 | 2,620,513.9 | 250,062.5 | 495,306.1 | 82,231,184.6 | | Obligaciones con el Público | 22,885,187.5 | 20,663,889.0 | 14,099,707.9 | 6,715,591.3 | 4,022,105.8 | 1,847,286.0 | 0.0 | 0.0 | 70,233,767.5 | | Moneda Nacional | 7,603,309.8 | 5,133,898.4 | 3,541,033.2 | 1,473,876.9 | 1,076,002.6 | 291,444.6 | 0.0 | 0.0 | 19,119,565.5 | | Depositos a la Vista | 2,037,767.0 | 2,106,487.2 | 2,329,124.7 | 360,338.5 | 468,137.9 | 77,526.8 | 0.0 | 0.0 | 7,379,382.2 | | Depositos de Ahorro | 3,559,990.0 | 1,898,171.9 | 1,125,986.3 | 897,900.7 | 188,795.3 | 154,675.3 | 0.0 | 0.0 | 7,825,519.6 | | Depositos a Plazo | 2,005,552.7 | 1,129,239.3 | 85,922.2 | 215,637.6 | 419,069.4 | 59,242.5 | 0.0 | 0.0 | 3,914,663.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 14,897,707.3 | 15,339,953.2 | 10,304,922.1 | 5,073,433.3 | 2,896,452.4 | 1,512,102.6 | 0.0 | 0.0 | 50,024,571.0 | | Depositos a la Vista | 2,768,933.1 | 8,368,699.3 | 3,253,671.3 | 471,180.1 | 582,686.7 | 101,596.2 | 0.0 | 0.0 | 15,546,766.7 | | Depositos de Ahorro | 6,909,801.3 | 4,451,436.8 | 4,196,459.7 | 2,814,370.0 | 1,484,654.7 | 636,627.1 | 0.0 | 0.0 | 20,493,349.7 | | Depositos a Plazo | 5,218,972.9 | 2,519,817.1 | 2,854,791.1 | 1,787,883.2 | 829,111.0 | 773,879.3 | 0.0 | 0.0 | 13,984,454.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 271,203.8 | 139,595.0 | 200,441.3 | 116,510.7 | 24,138.6 | 19,015.0 | 0.0 | 0.0 | 770,904.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 112,966.6 | 50,442.3 | 53,311.3 | 51,770.4 | 25,512.3 | 24,723.8 | 0.0 | 0.0 | 318,726.7 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,252,516.2 | 2,765,239.0 | 956,956.8 | 674,372.9 | 128,967.1 | 492,908.6 | 243,284.0 | 424,372.1 | 8,938,616.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 218,626.6 | 462,487.4 | 222,205.1 | 162,073.8 | 4,331.1 | 109,553.6 | 0.0 | 503.9 | 1,179,781.5 | | Préstamos del Banco Centroaméricano de Integración Económica | 463,747.3 | 402,772.6 | 156,871.4 | 308,029.2 | 123,605.1 | 0.0 | 1,395.3 | 35,573.4 | 1,491,994.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 130,228.8 | 0.0 | 0.0 | 130,228.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,570,142.2 | 1,899,979.1 | 577,880.3 | 204,270.0 | 1,030.9 | 253,126.1 | 241,888.6 | 388,294.7 | 6,136,612.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 166,213.0 | 24,908.3 | 0.0 | 159,794.7 | 0.0 | 52,720.8 | 0.0 | 0.0 | 403,636.8 | | 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 | 83,290.5 | 147,130.3 | 207,788.5 | 10,169.5 | 58,127.5 | 23,549.7 | 2,505.7 | 8,925.7 | 541,487.5 | | Otros pasivos y provisiones | 207,571.7 | 272,708.2 | 276,445.0 | 94,755.8 | 211,353.9 | 49,816.2 | 4,272.9 | 18,376.9 | 1,135,300.5 | | Obligaciones subordinadas | 109,193.7 | 518,586.7 | 0.0 | 152,731.1 | 0.0 | 154,232.6 | 0.0 | 43,631.5 | 978,375.6 | | 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 | 2,236,290.4 | 2,019,337.0 | 2,302,232.4 | 794,815.9 | 755,527.7 | 181,907.6 | 74,459.0 | 112,879.0 | 8,477,448.9 | | 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 | 17,494.9 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 18,294.9 | | 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 | 207,601.0 | 175,301.8 | 373,615.5 | 23,221.0 | 102,968.0 | -221,664.1 | 10,697.5 | -30,408.1 | 641,332.5 | | Cuentas contingentes | 4,926,988.9 | 2,891,442.6 | 4,094,292.9 | 473,702.1 | 2,994,588.8 | 4,254.2 | 0.0 | 0.0 | 15,385,269.5 | | Cuentas de orden | 29,605,364.9 | 22,566,981.7 | 5,325,840.7 | 13,651,781.9 | 3,001,890.9 | 6,721,928.1 | 1,025,494.6 | 2,064,278.1 | 83,963,560.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2009 C$ 20.6713 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2010 C$ 21.7048 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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