| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 32,952,995.0 | 24,341,759.3 | 19,172,367.8 | 8,910,535.7 | 5,034,679.1 | 2,876,497.9 | 315,528.9 | 556,577.5 | 94,160,941.2 | | Disponibilidades | 11,099,158.4 | 5,192,537.9 | 6,943,371.3 | 2,154,608.9 | 1,793,188.1 | 647,748.9 | 25,877.3 | 59,802.8 | 27,916,293.6 | | Moneda Nacional | 3,077,607.2 | 1,918,514.5 | 1,459,964.7 | 604,224.5 | 312,810.9 | 132,046.9 | 311.1 | 27,108.3 | 7,532,588.2 | | Caja | 670,023.7 | 380,422.2 | 682,987.3 | 94,605.8 | 49,256.0 | 64,875.6 | 72.5 | 4,398.7 | 1,946,641.8 | | Banco Central de Nicaragua | 1,148,791.0 | 517,738.4 | 9,261.5 | 82,795.2 | 119,964.7 | 10,666.0 | 0.0 | 209.5 | 1,889,426.3 | | Depositos e Instituciones Financieras del Pais | 11,049.4 | 0.0 | 0.0 | 89,758.3 | 2,608.6 | 1,026.0 | 238.6 | 22,500.1 | 127,181.0 | | Otras disponibilidades | 1,247,743.1 | 1,020,354.0 | 767,715.8 | 337,065.1 | 140,981.6 | 55,479.4 | 0.0 | 0.0 | 3,569,339.0 | | | | | | | | | | | | | Moneda Extranjera | 8,021,551.2 | 3,274,023.4 | 5,483,406.6 | 1,550,384.4 | 1,480,377.3 | 515,702.0 | 25,566.1 | 32,694.5 | 20,383,705.4 | | Caja | 292,255.0 | 368,400.4 | 466,181.4 | 92,188.2 | 73,245.2 | 70,365.5 | 57.8 | 2,340.3 | 1,365,033.8 | | Banco Central de Nicaragua | 1,108,657.3 | 164,469.4 | 257,789.3 | 33,907.4 | 412,609.0 | 36,227.6 | 0.0 | 43.9 | 2,013,703.9 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 47,546.9 | 0.0 | 17,693.4 | 25,102.2 | 30,310.2 | 120,652.7 | | Depositos en Instituciones Financieras del exterior | 4,301,597.8 | 543,618.3 | 2,840,336.9 | 433,293.6 | 516,976.1 | 123,292.9 | 406.2 | 0.0 | 8,759,521.8 | | Otras disponibilidades | 2,319,041.0 | 2,197,535.3 | 1,919,099.0 | 943,448.3 | 477,546.9 | 268,122.7 | 0.0 | 0.0 | 8,124,793.3 | | | | | | | | | | | | | Inversiones en valores, neto | 9,361,799.3 | 7,999,718.2 | 341,010.1 | 1,339,430.8 | 273,573.6 | 0.0 | 0.0 | 0.0 | 19,315,532.0 | | Inversiones al Valor Razonable con Cambios en Resultados | 460,895.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 460,895.8 | | Inversiones Disponibles para la Venta | 55,521.9 | 5,277,445.9 | 11,379.7 | 9,873.4 | 273,573.6 | 0.0 | 0.0 | 0.0 | 5,627,794.6 | | Inversiones Mantenidas Hasta el Vencimiento | 8,845,381.5 | 2,722,272.3 | 329,630.3 | 1,329,557.4 | 0.0 | 0.0 | 0.0 | 0.0 | 13,226,841.6 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 50,400.8 | 0.0 | 0.0 | 0.0 | 0.0 | 50,400.8 | | | | | | | | | | | | | Cartera de Creditos, neta | 11,568,521.4 | 10,252,137.9 | 11,344,693.2 | 5,101,026.0 | 2,781,951.4 | 1,798,387.0 | 265,620.7 | 439,522.1 | 43,551,859.7 | | Créditos vigentes | 10,727,837.5 | 9,582,000.0 | 11,145,531.7 | 4,788,859.1 | 2,560,745.2 | 1,584,375.7 | 258,745.0 | 427,601.2 | 41,075,695.3 | | Créditos prorrogados | 69,135.6 | 9,661.1 | 4,059.2 | 0.0 | 0.0 | 7,107.6 | 880.0 | 353.1 | 91,196.6 | | Créditos reestructurados | 598,479.1 | 557,325.4 | 98,747.8 | 277,051.4 | 269,549.0 | 231,925.0 | 1,636.3 | 28,125.8 | 2,062,839.8 | | Créditos vencidos | 322,232.5 | 198,637.5 | 246,159.7 | 103,107.0 | 58,160.3 | 35,959.6 | 1,718.2 | 15,125.6 | 981,100.5 | | Créditos en cobro judicial | 102,592.5 | 138,357.7 | 136,205.0 | 32,903.0 | 10,732.0 | 15,214.3 | 11,694.4 | 23,564.8 | 471,263.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 212,662.3 | 183,728.6 | 136,796.8 | 71,707.4 | 52,705.0 | 57,381.2 | 2,330.1 | 8,969.0 | 726,280.3 | | Provisiones por incobrabilidad de cartera de creditos | -464,418.1 | -417,572.3 | -422,806.9 | -172,601.8 | -169,940.1 | -133,576.6 | -11,383.2 | -64,217.5 | -1,856,516.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 88,263.1 | 202,796.9 | 58,895.4 | 20,035.3 | 29,608.7 | 11,916.4 | 4,318.2 | 2,325.4 | 418,159.4 | | Bienes de uso, neto | 590,741.9 | 179,066.6 | 411,397.6 | 77,890.0 | 71,496.3 | 317,296.0 | 9,033.1 | 11,228.2 | 1,668,149.6 | | Bienes recibidos en recuperacion de creditos, neto | 49,844.8 | 110,343.6 | 6,677.0 | 27,622.4 | 3,398.4 | 60,064.2 | 9,143.1 | 14,764.6 | 281,858.1 | | Invesiones permanentes en acciones | 54,621.7 | 239,040.4 | 32,561.6 | 5,483.5 | 28,314.9 | 0.0 | 0.0 | 0.0 | 360,022.1 | | Otros activos neto | 140,044.5 | 166,117.8 | 33,761.6 | 134,038.1 | 53,147.7 | 41,085.4 | 1,536.5 | 28,934.5 | 598,666.0 | | Pasivo | 30,627,243.3 | 22,200,180.5 | 16,757,963.0 | 8,073,483.0 | 4,249,646.5 | 2,610,008.9 | 241,061.6 | 442,919.0 | 85,202,506.0 | | Obligaciones con el Público | 26,556,044.7 | 18,572,637.1 | 15,340,754.1 | 6,998,347.6 | 3,774,074.6 | 1,982,283.8 | 0.0 | 0.0 | 73,224,141.9 | | Moneda Nacional | 7,410,309.0 | 5,711,091.7 | 3,812,323.7 | 1,578,075.0 | 869,789.2 | 319,671.5 | 0.0 | 0.0 | 19,701,260.1 | | Depositos a la Vista | 2,939,687.5 | 2,597,427.4 | 2,891,237.4 | 381,736.6 | 287,917.5 | 94,248.0 | 0.0 | 0.0 | 9,192,254.3 | | Depositos de Ahorro | 3,017,041.3 | 2,052,706.3 | 837,319.7 | 965,842.9 | 179,014.5 | 172,531.6 | 0.0 | 0.0 | 7,224,456.4 | | Depositos a Plazo | 1,453,580.2 | 1,060,958.0 | 83,766.6 | 230,495.5 | 402,857.2 | 52,891.9 | 0.0 | 0.0 | 3,284,549.4 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 18,889,633.4 | 12,650,571.3 | 11,337,274.7 | 5,310,773.6 | 2,854,447.5 | 1,620,003.9 | 0.0 | 0.0 | 52,662,704.5 | | Depositos a la Vista | 2,896,778.9 | 5,462,096.2 | 3,826,841.8 | 493,401.0 | 563,835.7 | 126,331.4 | 0.0 | 0.0 | 13,369,285.0 | | Depositos de Ahorro | 10,625,543.8 | 4,643,511.2 | 4,643,259.5 | 2,975,491.3 | 1,558,229.1 | 697,124.3 | 0.0 | 0.0 | 25,143,159.3 | | Depositos a Plazo | 5,367,310.7 | 2,544,963.9 | 2,867,173.5 | 1,841,881.3 | 732,382.7 | 796,548.2 | 0.0 | 0.0 | 14,150,260.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 156,089.1 | 165,904.5 | 141,645.5 | 66,827.1 | 30,735.0 | 18,250.1 | 0.0 | 0.0 | 579,451.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 100,013.3 | 45,069.6 | 49,510.2 | 42,671.8 | 19,103.0 | 24,358.3 | 0.0 | 0.0 | 280,726.1 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,450,592.9 | 2,611,776.9 | 916,345.9 | 694,986.0 | 124,519.0 | 335,792.8 | 233,845.0 | 377,775.6 | 8,745,634.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 202,071.7 | 452,256.9 | 206,051.1 | 152,879.2 | 4,336.4 | 0.0 | 0.0 | 426.0 | 1,018,021.2 | | Préstamos del Banco Centroaméricano de Integración Económica | 438,358.4 | 416,014.2 | 149,364.2 | 292,924.1 | 119,230.7 | 0.0 | 0.0 | 15,260.2 | 1,431,151.8 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 109,867.0 | 0.0 | 0.0 | 109,867.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,810,162.8 | 1,743,505.8 | 560,930.6 | 249,182.7 | 952.0 | 225,925.8 | 233,845.0 | 362,089.4 | 6,186,594.1 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 184,243.2 | 64,181.5 | 0.0 | 135,022.7 | 0.0 | 72,406.8 | 0.0 | 0.0 | 455,854.2 | | 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 | 106,420.8 | 177,379.1 | 263,699.2 | 20,140.9 | 178,713.0 | 24,116.0 | 3,629.3 | 6,970.3 | 781,068.5 | | Otros pasivos y provisiones | 219,380.9 | 250,034.7 | 237,163.8 | 70,342.3 | 172,340.0 | 46,849.8 | 3,587.2 | 13,992.0 | 1,013,690.7 | | Obligaciones subordinadas | 110,560.8 | 524,171.2 | 0.0 | 154,643.6 | 0.0 | 148,559.7 | 0.0 | 44,181.2 | 982,116.5 | | 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 | 2,325,751.7 | 2,141,578.8 | 2,414,404.8 | 837,052.7 | 785,032.6 | 266,489.0 | 74,467.2 | 113,658.4 | 8,958,435.3 | | Capital social pagado | 1,320,500.0 | 1,012,400.0 | 755,000.0 | 560,000.0 | 245,000.0 | 616,422.3 | 50,000.0 | 179,520.0 | 4,738,842.3 | | 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 | 2,097.3 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,897.3 | | Reservas patrimoniales | 373,042.6 | 331,422.7 | 443,460.8 | 134,773.8 | 167,035.4 | 32,871.6 | 7,158.4 | 13,910.9 | 1,503,676.3 | | Resultados acumulados de ejercicios anteriores | 586,652.9 | 761,589.3 | 1,179,040.9 | 120,696.6 | 359,970.5 | -377,560.2 | 15,678.6 | -79,384.6 | 2,566,683.9 | | Resultados del Periodo | 45,556.3 | 34,068.9 | 36,103.1 | 21,582.3 | 13,026.6 | -5,244.9 | 1,630.2 | -387.8 | 146,334.7 | | Cuentas contingentes | 4,951,452.9 | 3,629,394.4 | 3,998,968.4 | 471,616.5 | 3,019,810.5 | 2,651.0 | 0.0 | 0.0 | 16,073,893.6 | | Cuentas de orden | 31,656,826.4 | 22,980,941.2 | 5,541,930.9 | 13,902,066.1 | 3,018,476.5 | 6,590,897.5 | 946,183.3 | 2,028,361.5 | 86,665,683.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2010 C$ 20.9270 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2011 C$ 21.9734 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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