| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 33,667,438.1 | 25,321,088.4 | 19,212,039.2 | 9,059,161.2 | 5,152,656.6 | 2,883,552.8 | 294,068.6 | 546,241.5 | 96,136,246.4 | | Disponibilidades | 12,023,938.7 | 6,128,639.3 | 6,872,845.9 | 2,617,800.5 | 1,758,767.3 | 692,541.9 | 36,928.9 | 46,004.4 | 30,177,466.8 | | Moneda Nacional | 2,737,758.8 | 1,750,994.8 | 1,513,111.3 | 525,255.3 | 293,409.6 | 139,204.8 | 177.2 | 12,060.6 | 6,971,972.3 | | Caja | 586,046.8 | 411,333.2 | 652,019.0 | 88,275.1 | 59,532.0 | 61,085.0 | 67.7 | 3,854.4 | 1,862,213.1 | | Banco Central de Nicaragua | 730,443.9 | 310,351.9 | 20,569.1 | 76,221.0 | 66,503.8 | 17,102.4 | 0.0 | 209.5 | 1,221,401.6 | | Depositos e Instituciones Financieras del Pais | 4,405.7 | 0.0 | 0.0 | 89,851.3 | 6,812.5 | 406.5 | 109.5 | 7,996.6 | 109,582.0 | | Otras disponibilidades | 1,416,862.5 | 1,029,309.8 | 840,523.1 | 270,907.8 | 160,561.3 | 60,610.9 | 0.0 | 0.0 | 3,778,775.5 | | | | | | | | | | | | | Moneda Extranjera | 9,286,179.9 | 4,377,644.5 | 5,359,734.7 | 2,092,545.2 | 1,465,357.7 | 553,337.1 | 36,751.7 | 33,943.8 | 23,205,494.5 | | Caja | 290,529.8 | 212,423.4 | 449,969.2 | 103,868.7 | 87,293.4 | 66,380.8 | 104.1 | 2,199.8 | 1,212,769.2 | | Banco Central de Nicaragua | 66,255.0 | 83,566.4 | 1,012,148.6 | 266,365.0 | 61,131.9 | 54,163.7 | 0.0 | 44.1 | 1,543,674.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 49,232.7 | 0.0 | 17,022.4 | 36,647.7 | 31,699.9 | 134,602.7 | | Depositos en Instituciones Financieras del exterior | 5,766,478.4 | 1,596,844.8 | 1,957,038.2 | 700,680.6 | 822,465.3 | 144,755.0 | 0.0 | 0.0 | 10,988,262.3 | | Otras disponibilidades | 3,162,916.7 | 2,484,809.9 | 1,940,578.6 | 972,398.2 | 494,467.1 | 271,015.2 | 0.0 | 0.0 | 9,326,185.7 | | | | | | | | | | | | | Inversiones en valores, neto | 9,318,823.9 | 8,045,661.9 | 341,852.7 | 1,083,639.5 | 440,096.4 | 0.0 | 0.0 | 0.0 | 19,230,074.4 | | Inversiones al Valor Razonable con Cambios en Resultados | 320,621.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 320,621.1 | | Inversiones Disponibles para la Venta | 88,130.5 | 4,824,883.8 | 11,001.1 | 54,022.0 | 440,096.4 | 0.0 | 0.0 | 0.0 | 5,418,133.8 | | Inversiones Mantenidas Hasta el Vencimiento | 8,910,072.2 | 3,220,778.2 | 330,851.6 | 1,029,617.5 | 0.0 | 0.0 | 0.0 | 0.0 | 13,491,319.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 28,473.1 | 0.0 | 0.0 | 0.0 | 0.0 | 28,473.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 11,398,975.5 | 10,262,376.5 | 11,454,312.4 | 5,067,388.8 | 2,763,052.8 | 1,756,324.9 | 236,716.5 | 441,724.6 | 43,380,871.9 | | Créditos vigentes | 10,676,351.4 | 9,580,908.3 | 11,204,181.5 | 4,763,257.3 | 2,555,502.1 | 1,548,831.4 | 231,283.4 | 430,911.1 | 40,991,226.5 | | Créditos prorrogados | 20,820.6 | 3,194.5 | 3,192.3 | 0.0 | 0.0 | 6,922.8 | 35.2 | 345.7 | 34,511.1 | | Créditos reestructurados | 563,063.2 | 570,886.5 | 139,251.2 | 271,488.4 | 276,083.7 | 223,622.5 | 1,430.7 | 25,985.3 | 2,071,811.5 | | Créditos vencidos | 312,038.8 | 206,864.5 | 257,537.9 | 98,504.6 | 50,888.2 | 30,838.2 | 1,822.9 | 14,657.0 | 973,152.2 | | Créditos en cobro judicial | 98,194.5 | 125,864.3 | 145,057.9 | 38,944.4 | 9,481.3 | 22,727.9 | 11,735.7 | 22,523.3 | 474,529.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 198,954.7 | 189,047.2 | 133,292.8 | 64,036.2 | 56,100.8 | 51,152.6 | 1,497.6 | 8,431.8 | 702,513.6 | | Provisiones por incobrabilidad de cartera de creditos | -470,447.7 | -414,388.8 | -428,201.3 | -168,842.1 | -185,003.3 | -127,770.4 | -11,089.1 | -61,129.6 | -1,866,872.3 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 82,802.7 | 187,766.8 | 64,967.6 | 19,764.9 | 30,725.8 | 12,311.1 | 2,255.0 | 3,355.9 | 403,949.9 | | Bienes de uso, neto | 587,317.3 | 185,163.8 | 410,494.7 | 77,631.7 | 70,950.6 | 314,501.9 | 8,990.8 | 11,011.4 | 1,666,062.1 | | Bienes recibidos en recuperacion de creditos, neto | 49,024.9 | 100,875.1 | 6,564.8 | 27,761.3 | 3,772.2 | 60,294.1 | 8,112.2 | 15,252.4 | 271,656.9 | | Invesiones permanentes en acciones | 54,621.7 | 239,040.4 | 32,745.8 | 5,483.5 | 28,314.9 | 0.0 | 0.0 | 0.0 | 360,206.2 | | Otros activos neto | 151,933.5 | 171,564.6 | 28,255.4 | 131,218.0 | 56,976.7 | 47,578.8 | 1,065.3 | 28,892.9 | 617,485.2 | | Pasivo | 31,315,471.0 | 23,146,027.8 | 16,753,798.0 | 8,209,541.0 | 4,360,894.1 | 2,619,383.0 | 219,054.1 | 433,566.6 | 87,057,735.5 | | Obligaciones con el Público | 27,145,638.4 | 19,418,263.4 | 15,321,151.2 | 7,112,689.7 | 3,983,672.3 | 1,988,907.2 | 0.0 | 0.0 | 74,970,322.2 | | Moneda Nacional | 7,635,999.4 | 5,677,059.4 | 3,866,342.9 | 1,409,879.8 | 945,021.7 | 326,848.5 | 0.0 | 0.0 | 19,861,151.6 | | Depositos a la Vista | 2,710,616.9 | 2,573,999.4 | 2,841,424.0 | 392,643.2 | 329,983.0 | 97,705.4 | 0.0 | 0.0 | 8,946,371.9 | | Depositos de Ahorro | 3,347,371.0 | 2,047,516.3 | 932,482.4 | 826,675.6 | 213,280.1 | 176,132.8 | 0.0 | 0.0 | 7,543,458.2 | | Depositos a Plazo | 1,578,011.4 | 1,055,543.7 | 92,436.5 | 190,560.9 | 401,758.5 | 53,010.3 | 0.0 | 0.0 | 3,371,321.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 19,115,547.5 | 13,577,570.2 | 11,275,542.4 | 5,591,986.8 | 2,990,795.6 | 1,619,829.5 | 0.0 | 0.0 | 54,171,272.1 | | Depositos a la Vista | 3,045,199.1 | 6,227,757.9 | 3,640,558.3 | 626,253.0 | 665,628.3 | 124,384.9 | 0.0 | 0.0 | 14,329,781.6 | | Depositos de Ahorro | 11,201,703.9 | 4,784,002.3 | 4,744,389.5 | 3,058,683.2 | 1,581,825.9 | 713,898.5 | 0.0 | 0.0 | 26,084,503.3 | | Depositos a Plazo | 4,868,644.5 | 2,565,810.1 | 2,890,594.6 | 1,907,050.6 | 743,341.5 | 781,546.1 | 0.0 | 0.0 | 13,756,987.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 301,670.1 | 120,234.8 | 133,101.3 | 71,601.9 | 29,672.3 | 18,066.1 | 0.0 | 0.0 | 674,346.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 92,421.3 | 43,399.1 | 46,164.5 | 39,221.3 | 18,182.6 | 24,163.2 | 0.0 | 0.0 | 263,551.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,521,404.1 | 2,639,334.9 | 914,278.7 | 725,516.0 | 119,947.9 | 338,476.2 | 212,639.6 | 367,373.1 | 8,838,970.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 177,360.7 | 394,094.7 | 202,379.0 | 150,217.0 | 4,336.5 | 0.0 | 0.0 | 405.2 | 928,793.2 | | Préstamos del Banco Centroaméricano de Integración Económica | 426,929.3 | 412,826.8 | 147,167.3 | 291,872.1 | 115,183.9 | 0.0 | 0.0 | 0.0 | 1,393,979.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 110,279.0 | 0.0 | 0.0 | 110,279.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,917,114.1 | 1,832,413.4 | 564,732.4 | 283,426.9 | 427.5 | 228,197.2 | 212,639.6 | 366,967.9 | 6,405,919.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 205,426.4 | 60,352.3 | 0.0 | 118,362.8 | 0.0 | 72,635.6 | 0.0 | 0.0 | 456,777.0 | | 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 | 114,373.4 | 189,350.6 | 279,802.1 | 23,750.5 | 123,780.6 | 21,591.5 | 2,822.9 | 6,860.8 | 762,332.4 | | Otros pasivos y provisiones | 217,247.0 | 310,419.6 | 238,566.0 | 73,429.7 | 133,493.3 | 47,327.2 | 3,591.6 | 15,015.2 | 1,039,089.6 | | Obligaciones subordinadas | 111,381.6 | 528,306.9 | 0.0 | 155,792.4 | 0.0 | 150,445.3 | 0.0 | 44,317.5 | 990,243.6 | | 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 | 2,351,967.1 | 2,175,060.6 | 2,458,241.2 | 849,620.1 | 791,762.5 | 264,169.8 | 75,014.5 | 112,675.0 | 9,078,510.9 | | 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 | 5,074.3 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,874.3 | | 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 | -376,339.7 | 15,678.6 | -79,384.6 | 2,567,904.4 | | Resultados del Periodo | 71,771.7 | 64,573.7 | 79,939.5 | 34,149.7 | 19,756.6 | -8,784.6 | 2,177.5 | -1,371.3 | 262,212.8 | | Cuentas contingentes | 5,199,502.2 | 3,820,469.8 | 3,983,026.8 | 454,884.5 | 3,015,448.3 | 2,598.8 | 0.0 | 0.0 | 16,475,930.4 | | Cuentas de orden | 31,539,785.9 | 27,382,053.8 | 4,356,008.6 | 14,314,007.6 | 3,014,096.3 | 6,581,108.4 | 786,600.9 | 2,003,573.8 | 89,977,235.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2010 C$ 21.0055 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2011 C$ 22.0558 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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