| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 35,340,481.5 | 24,928,040.9 | 19,717,135.1 | 9,227,610.8 | 5,204,285.8 | 2,741,673.3 | 270,054.5 | 549,294.8 | 97,978,576.6 | | Disponibilidades | 10,816,470.4 | 5,779,209.4 | 7,173,425.3 | 2,595,189.7 | 1,490,601.8 | 588,029.7 | 23,401.3 | 52,234.1 | 28,518,561.7 | | Moneda Nacional | 2,340,330.2 | 1,715,556.9 | 1,517,538.4 | 620,590.8 | 258,157.3 | 142,749.0 | 106.9 | 14,336.4 | 6,609,365.9 | | Caja | 632,143.1 | 398,933.4 | 650,204.0 | 121,756.1 | 56,791.3 | 71,857.4 | 51.1 | 4,240.3 | 1,935,976.6 | | Banco Central de Nicaragua | 185,288.9 | 206,161.8 | 110,355.5 | 149,274.2 | 41,477.0 | 11,196.8 | 0.0 | 209.5 | 703,963.7 | | Depositos e Instituciones Financieras del Pais | 6,872.8 | 0.0 | 0.0 | 39,850.7 | 0.0 | 456.9 | 55.8 | 9,886.6 | 57,122.8 | | Otras disponibilidades | 1,516,025.4 | 1,110,461.7 | 756,979.0 | 309,709.7 | 159,889.0 | 59,238.0 | 0.0 | 0.0 | 3,912,302.8 | | | | | | | | | | | | | Moneda Extranjera | 8,476,140.2 | 4,063,652.6 | 5,655,886.9 | 1,974,598.9 | 1,232,444.5 | 445,280.7 | 23,294.4 | 37,897.6 | 21,909,195.8 | | Caja | 318,142.2 | 217,227.8 | 496,210.9 | 79,409.0 | 94,628.3 | 74,688.1 | 59.9 | 2,029.7 | 1,282,395.9 | | Banco Central de Nicaragua | 1,438,962.5 | 4,728.6 | 874,376.6 | 76,888.1 | 155,029.6 | 43,229.4 | 0.0 | 44.3 | 2,593,259.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 100,807.3 | 0.0 | 5,875.2 | 23,234.5 | 35,823.6 | 165,740.6 | | Depositos en Instituciones Financieras del exterior | 3,386,266.8 | 1,634,675.1 | 2,362,921.5 | 751,483.4 | 484,537.1 | 52,832.4 | 0.0 | 0.0 | 8,672,716.4 | | Otras disponibilidades | 3,332,768.7 | 2,207,021.0 | 1,922,378.0 | 966,011.1 | 498,249.4 | 268,655.6 | 0.0 | 0.0 | 9,195,083.7 | | | | | | | | | | | | | Inversiones en valores, neto | 11,920,419.2 | 8,202,820.1 | 564,727.9 | 1,162,692.0 | 774,257.3 | 0.0 | 0.0 | 0.0 | 22,624,916.4 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,528,793.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,528,793.7 | | Inversiones Disponibles para la Venta | 88,451.1 | 5,291,891.0 | 232,495.9 | 120,607.6 | 774,257.3 | 0.0 | 0.0 | 0.0 | 6,507,703.0 | | Inversiones Mantenidas Hasta el Vencimiento | 10,303,174.4 | 2,910,929.0 | 332,231.9 | 1,042,084.4 | 0.0 | 0.0 | 0.0 | 0.0 | 14,588,419.7 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 28,609.5 | 0.0 | 0.0 | 0.0 | 0.0 | 28,609.5 | | | | | | | | | | | | | Cartera de Creditos, neta | 11,684,100.8 | 10,040,325.9 | 11,414,752.7 | 5,181,835.5 | 2,733,028.2 | 1,724,148.3 | 223,867.8 | 439,007.8 | 43,441,067.0 | | Créditos vigentes | 10,991,393.3 | 9,391,550.5 | 11,177,443.7 | 4,888,401.5 | 2,529,056.7 | 1,520,524.3 | 221,987.9 | 427,734.8 | 41,148,092.8 | | Créditos prorrogados | 8,455.3 | 6,725.6 | 3,195.9 | 0.0 | 0.0 | 6,780.2 | 35.3 | 333.7 | 25,526.0 | | Créditos reestructurados | 551,732.3 | 554,909.4 | 138,091.8 | 271,513.8 | 274,718.7 | 219,083.6 | 1,422.2 | 27,225.1 | 2,038,696.7 | | Créditos vencidos | 340,500.6 | 182,373.0 | 230,871.5 | 77,347.6 | 49,470.2 | 33,628.0 | 1,723.7 | 13,705.5 | 929,620.3 | | Créditos en cobro judicial | 76,437.1 | 131,149.7 | 150,585.3 | 41,012.0 | 9,222.6 | 26,455.0 | 8,954.0 | 18,220.6 | 462,036.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 191,643.6 | 189,689.5 | 122,871.3 | 67,086.6 | 53,043.8 | 48,834.5 | 1,530.6 | 9,089.8 | 683,789.8 | | Provisiones por incobrabilidad de cartera de creditos | -476,061.4 | -416,071.9 | -408,306.9 | -163,526.1 | -182,483.8 | -131,157.2 | -11,786.0 | -57,301.7 | -1,846,695.0 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 76,103.0 | 184,228.8 | 70,610.3 | 20,760.0 | 53,706.9 | 12,229.5 | 2,125.4 | 1,888.3 | 421,652.2 | | Bienes de uso, neto | 582,781.1 | 191,438.9 | 411,841.7 | 79,721.0 | 69,687.2 | 313,218.6 | 8,958.5 | 10,826.8 | 1,668,473.7 | | Bienes recibidos en recuperacion de creditos, neto | 61,723.2 | 92,145.0 | 7,459.6 | 27,016.9 | 3,772.2 | 59,068.7 | 10,154.1 | 16,885.4 | 278,225.1 | | Invesiones permanentes en acciones | 54,609.1 | 239,040.4 | 32,880.9 | 5,483.5 | 28,314.9 | 0.0 | 0.0 | 0.0 | 360,328.8 | | Otros activos neto | 144,274.7 | 198,832.5 | 41,436.7 | 126,302.7 | 50,917.2 | 44,978.6 | 1,547.4 | 28,452.4 | 636,742.2 | | Pasivo | 32,958,799.0 | 22,723,554.0 | 17,194,686.4 | 8,366,654.3 | 4,402,532.8 | 2,493,066.7 | 195,557.7 | 437,479.6 | 88,772,330.4 | | Obligaciones con el Público | 28,706,660.1 | 18,935,712.6 | 15,480,584.2 | 7,310,699.4 | 4,054,324.2 | 2,016,079.9 | 0.0 | 0.0 | 76,504,060.4 | | Moneda Nacional | 8,215,706.0 | 5,731,315.2 | 3,894,178.5 | 1,552,080.6 | 919,103.4 | 349,254.3 | 0.0 | 0.0 | 20,661,638.1 | | Depositos a la Vista | 2,990,180.5 | 2,699,672.6 | 2,833,425.0 | 512,116.9 | 326,420.3 | 110,824.2 | 0.0 | 0.0 | 9,472,639.5 | | Depositos de Ahorro | 3,701,137.5 | 2,025,460.1 | 974,644.2 | 869,086.1 | 211,502.3 | 180,360.7 | 0.0 | 0.0 | 7,962,190.9 | | Depositos a Plazo | 1,524,388.1 | 1,006,182.4 | 86,109.3 | 170,877.6 | 381,180.8 | 58,069.4 | 0.0 | 0.0 | 3,226,807.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 20,075,603.5 | 12,974,451.6 | 11,161,035.9 | 5,647,010.3 | 3,027,536.3 | 1,619,412.6 | 0.0 | 0.0 | 54,505,050.3 | | Depositos a la Vista | 3,323,585.8 | 5,443,123.6 | 3,635,467.3 | 606,595.4 | 708,398.7 | 136,884.1 | 0.0 | 0.0 | 13,854,054.9 | | Depositos de Ahorro | 11,864,205.7 | 4,967,755.9 | 4,709,613.0 | 3,132,341.4 | 1,584,553.0 | 709,629.7 | 0.0 | 0.0 | 26,968,098.8 | | Depositos a Plazo | 4,887,812.0 | 2,563,572.1 | 2,815,955.6 | 1,908,073.5 | 734,584.6 | 772,898.8 | 0.0 | 0.0 | 13,682,896.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 324,138.5 | 186,358.8 | 383,269.8 | 71,356.4 | 88,257.8 | 24,930.9 | 0.0 | 0.0 | 1,078,312.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 91,212.0 | 43,587.0 | 42,100.0 | 40,252.1 | 19,426.7 | 22,482.0 | 0.0 | 0.0 | 259,059.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,613,425.4 | 2,801,719.0 | 1,322,227.3 | 688,478.0 | 115,791.6 | 181,667.8 | 191,408.9 | 369,411.4 | 9,284,129.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 175,292.2 | 383,466.3 | 193,948.5 | 147,673.1 | 0.0 | 0.0 | 0.0 | 384.8 | 900,765.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 416,157.5 | 406,490.0 | 146,505.0 | 285,886.4 | 115,108.6 | 0.0 | 0.0 | 0.0 | 1,370,147.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 110,737.0 | 0.0 | 0.0 | 110,737.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,021,975.7 | 2,011,762.7 | 981,773.7 | 254,918.5 | 683.0 | 70,930.8 | 191,408.9 | 369,026.5 | 6,902,479.9 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 230,273.7 | 60,907.2 | 0.0 | 110,226.2 | 0.0 | 72,980.1 | 0.0 | 0.0 | 474,387.3 | | 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 | 77,513.4 | 146,409.6 | 144,202.0 | 24,876.1 | 85,706.9 | 21,031.7 | 551.9 | 6,899.6 | 507,191.2 | | Otros pasivos y provisiones | 219,941.3 | 248,899.0 | 247,672.8 | 77,138.5 | 146,710.1 | 48,760.2 | 3,597.0 | 16,637.5 | 1,009,356.4 | | Obligaciones subordinadas | 110,985.0 | 529,906.6 | 0.0 | 155,236.1 | 0.0 | 152,547.0 | 0.0 | 44,531.0 | 993,205.7 | | 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 | 2,381,682.4 | 2,204,486.9 | 2,522,448.7 | 860,956.6 | 801,753.0 | 248,606.6 | 74,496.8 | 111,815.2 | 9,206,246.2 | | 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 | 4,427.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,227.6 | | Reservas patrimoniales | 411,038.3 | 377,767.5 | 443,460.8 | 134,773.8 | 167,035.4 | 32,871.6 | 8,519.7 | 13,910.9 | 1,589,378.0 | | Resultados acumulados de ejercicios anteriores | 548,644.6 | 715,244.6 | 1,179,040.9 | 120,696.6 | 359,970.5 | -376,242.8 | 14,317.3 | -79,384.6 | 2,482,287.0 | | Resultados del Periodo | 101,499.5 | 94,646.7 | 144,147.0 | 45,486.2 | 29,747.0 | -24,444.7 | 1,659.8 | -2,231.1 | 390,510.4 | | Cuentas contingentes | 4,939,621.1 | 3,844,912.5 | 3,897,889.9 | 454,603.5 | 3,026,059.7 | 2,802.6 | 0.0 | 0.0 | 16,165,889.4 | | Cuentas de orden | 31,397,102.2 | 27,545,941.1 | 4,309,845.6 | 14,655,817.6 | 3,029,187.5 | 6,592,763.0 | 808,346.2 | 1,929,442.5 | 90,268,445.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2010 C$ 21.0927 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2011 C$ 22.1474 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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