| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 36,925,169.6 | 24,560,748.3 | 19,862,856.1 | 9,603,874.9 | 5,131,180.6 | 2,843,011.7 | 247,620.1 | 531,710.2 | 99,706,171.6 | | Disponibilidades | 12,048,605.8 | 5,266,497.6 | 7,269,989.4 | 2,853,872.1 | 1,471,337.4 | 741,553.1 | 18,359.2 | 37,768.7 | 29,707,983.1 | | Moneda Nacional | 2,463,515.6 | 1,363,029.5 | 1,800,745.7 | 652,176.9 | 251,169.2 | 164,755.9 | 211.9 | 12,904.7 | 6,708,509.5 | | Caja | 529,140.6 | 416,297.2 | 681,414.4 | 131,138.9 | 46,952.8 | 51,186.6 | 46.4 | 4,451.8 | 1,860,628.8 | | Banco Central de Nicaragua | 599,506.6 | 0.0 | 292,699.2 | 215,409.5 | 73,525.9 | 51,638.5 | 0.0 | 209.4 | 1,232,989.1 | | Depositos e Instituciones Financieras del Pais | 8,724.5 | 0.0 | 0.0 | 946.2 | 6,043.1 | 919.6 | 165.5 | 8,243.5 | 25,042.4 | | Otras disponibilidades | 1,326,143.8 | 946,732.3 | 826,632.1 | 304,682.4 | 124,647.4 | 61,011.2 | 0.0 | 0.0 | 3,589,849.2 | | | | | | | | | | | | | Moneda Extranjera | 9,585,090.2 | 3,903,468.0 | 5,469,243.6 | 2,201,695.2 | 1,220,168.2 | 576,797.1 | 18,147.2 | 24,863.9 | 22,999,473.6 | | Caja | 346,246.1 | 285,369.8 | 560,732.6 | 83,370.4 | 99,743.2 | 83,531.1 | 117.4 | 2,370.9 | 1,461,481.6 | | Banco Central de Nicaragua | 2,336,132.1 | 2,489.9 | 498,633.6 | 173,651.9 | 149,009.1 | 146,154.9 | 0.0 | 44.5 | 3,306,115.9 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 150,382.6 | 0.0 | 20,427.3 | 18,029.8 | 22,448.6 | 211,288.2 | | Depositos en Instituciones Financieras del exterior | 3,632,972.2 | 1,840,455.5 | 2,603,349.2 | 871,362.2 | 596,389.6 | 77,669.1 | 0.0 | 0.0 | 9,622,197.7 | | Otras disponibilidades | 3,269,739.8 | 1,775,152.8 | 1,806,528.3 | 922,928.2 | 375,026.3 | 249,014.8 | 0.0 | 0.0 | 8,398,390.1 | | | | | | | | | | | | | Inversiones en valores, neto | 12,288,938.4 | 8,297,286.1 | 676,875.3 | 1,247,761.5 | 777,623.4 | 0.0 | 0.0 | 0.0 | 23,288,484.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,150,277.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,150,277.7 | | Inversiones Disponibles para la Venta | 88,764.7 | 5,679,458.5 | 343,324.1 | 165,503.1 | 777,623.4 | 0.0 | 0.0 | 0.0 | 7,054,673.8 | | Inversiones Mantenidas Hasta el Vencimiento | 10,049,895.9 | 2,617,827.6 | 333,551.2 | 1,082,258.5 | 0.0 | 0.0 | 0.0 | 0.0 | 14,083,533.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 33,793.1 | 0.0 | 0.0 | 0.0 | 0.0 | 33,793.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 11,656,027.0 | 10,023,260.6 | 11,323,128.3 | 5,209,008.8 | 2,670,414.8 | 1,677,567.8 | 207,108.3 | 434,417.6 | 43,200,933.2 | | Créditos vigentes | 10,969,103.1 | 9,438,422.5 | 11,084,752.6 | 4,917,025.0 | 2,457,664.2 | 1,483,688.0 | 200,390.7 | 425,318.4 | 40,976,364.6 | | Créditos prorrogados | 8,503.3 | 7,248.6 | 15,387.4 | 0.0 | 0.0 | 4,291.9 | 35.5 | 322.7 | 35,789.3 | | Créditos reestructurados | 546,437.1 | 553,723.7 | 136,455.6 | 261,207.3 | 277,124.5 | 214,723.2 | 1,396.9 | 26,132.3 | 2,017,200.7 | | Créditos vencidos | 333,210.5 | 197,808.0 | 235,548.0 | 78,972.1 | 52,436.0 | 36,567.5 | 7,877.5 | 13,692.8 | 956,112.3 | | Créditos en cobro judicial | 83,429.6 | 85,983.5 | 140,756.8 | 44,491.5 | 8,613.1 | 24,131.1 | 8,990.0 | 15,871.8 | 412,267.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 202,058.1 | 182,053.6 | 118,482.3 | 67,829.3 | 55,517.4 | 44,750.5 | 1,618.4 | 9,003.4 | 681,313.0 | | Provisiones por incobrabilidad de cartera de creditos | -486,714.9 | -441,979.2 | -408,254.4 | -160,516.4 | -180,940.4 | -130,584.5 | -13,200.6 | -55,923.8 | -1,878,114.2 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 94,169.5 | 173,839.2 | 68,851.2 | 24,068.1 | 55,110.4 | 11,912.2 | 1,558.3 | 2,411.0 | 431,920.0 | | Bienes de uso, neto | 580,413.2 | 201,745.0 | 411,455.3 | 78,992.8 | 87,195.6 | 308,286.2 | 8,916.2 | 10,608.7 | 1,687,613.0 | | Bienes recibidos en recuperacion de creditos, neto | 57,954.6 | 101,244.5 | 8,247.5 | 21,679.6 | 3,843.9 | 59,506.7 | 10,154.1 | 18,448.1 | 281,078.9 | | Invesiones permanentes en acciones | 54,609.1 | 310,680.6 | 32,951.0 | 5,483.5 | 27,820.8 | 0.0 | 0.0 | 0.0 | 431,545.0 | | Otros activos neto | 144,452.0 | 186,194.8 | 71,358.2 | 129,215.2 | 37,834.3 | 44,185.8 | 1,523.9 | 28,056.2 | 642,820.5 | | Pasivo | 34,525,778.2 | 22,273,679.0 | 17,295,680.1 | 8,729,278.3 | 4,311,778.0 | 2,604,870.9 | 174,736.8 | 420,580.4 | 90,336,381.7 | | Obligaciones con el Público | 30,072,098.4 | 18,465,301.3 | 15,569,990.2 | 7,667,393.8 | 3,958,573.6 | 2,125,046.0 | 0.0 | 0.0 | 77,858,403.4 | | Moneda Nacional | 7,827,855.0 | 5,704,263.9 | 3,934,675.4 | 1,677,234.6 | 859,105.3 | 430,192.2 | 0.0 | 0.0 | 20,433,326.5 | | Depositos a la Vista | 2,574,095.4 | 2,853,651.4 | 2,782,152.1 | 642,755.6 | 281,438.5 | 108,890.6 | 0.0 | 0.0 | 9,242,983.6 | | Depositos de Ahorro | 3,711,105.0 | 2,108,952.4 | 1,064,866.6 | 869,562.8 | 195,393.8 | 175,010.5 | 0.0 | 0.0 | 8,124,891.1 | | Depositos a Plazo | 1,542,654.6 | 741,660.1 | 87,656.7 | 164,916.1 | 382,273.0 | 146,291.2 | 0.0 | 0.0 | 3,065,451.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 21,904,290.4 | 12,010,040.0 | 11,489,800.4 | 5,869,332.3 | 3,048,727.3 | 1,652,137.8 | 0.0 | 0.0 | 55,974,328.1 | | Depositos a la Vista | 3,583,301.5 | 4,288,582.9 | 3,803,034.6 | 524,498.1 | 718,735.3 | 144,376.0 | 0.0 | 0.0 | 13,062,528.5 | | Depositos de Ahorro | 13,422,066.4 | 5,151,531.3 | 4,860,472.2 | 3,330,369.0 | 1,601,995.2 | 733,770.1 | 0.0 | 0.0 | 29,100,204.2 | | Depositos a Plazo | 4,898,922.4 | 2,569,925.8 | 2,826,293.5 | 2,014,465.1 | 727,996.8 | 773,991.7 | 0.0 | 0.0 | 13,811,595.4 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 244,828.9 | 709,578.9 | 101,505.5 | 78,538.8 | 29,996.8 | 20,459.0 | 0.0 | 0.0 | 1,184,908.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 95,124.1 | 41,418.5 | 44,008.9 | 42,288.2 | 20,744.2 | 22,256.9 | 0.0 | 0.0 | 265,840.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,620,105.0 | 2,800,648.8 | 1,311,972.3 | 690,098.8 | 115,769.9 | 183,524.4 | 169,877.0 | 351,976.3 | 9,243,972.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 175,058.1 | 385,730.7 | 187,694.3 | 145,500.0 | 0.0 | 0.0 | 0.0 | 363.8 | 894,346.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 421,808.7 | 395,749.8 | 141,590.3 | 279,216.5 | 114,683.0 | 0.0 | 0.0 | 0.0 | 1,353,048.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 111,182.0 | 0.0 | 0.0 | 111,182.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,023,238.2 | 2,019,168.3 | 982,687.8 | 265,382.4 | 1,087.0 | 72,342.4 | 169,877.0 | 351,612.5 | 6,885,395.4 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 230,125.6 | 61,447.8 | 0.0 | 109,443.2 | 0.0 | 73,252.2 | 0.0 | 0.0 | 474,268.7 | | Operaciones con Reportos y Valores Derivados | 200,295.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200,295.6 | | Otras cuentas por pagar | 75,085.5 | 156,203.7 | 159,476.7 | 23,709.2 | 75,548.1 | 18,298.0 | 1,186.7 | 6,466.2 | 515,974.1 | | Otros pasivos y provisiones | 216,197.7 | 260,369.6 | 254,240.9 | 82,158.2 | 161,886.3 | 50,155.4 | 3,673.1 | 17,437.7 | 1,046,118.9 | | Obligaciones subordinadas | 111,870.5 | 529,707.8 | 0.0 | 156,475.1 | 0.0 | 154,595.0 | 0.0 | 44,700.1 | 997,348.5 | | 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 | 2,399,391.4 | 2,287,069.3 | 2,567,176.0 | 874,596.6 | 819,402.6 | 238,140.8 | 72,883.3 | 111,129.9 | 9,369,789.9 | | 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 | -3,794.8 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,994.8 | | Reservas patrimoniales | 411,038.3 | 377,767.5 | 443,460.8 | 134,773.8 | 166,329.2 | 32,871.6 | 8,519.7 | 13,910.9 | 1,588,671.8 | | Resultados acumulados de ejercicios anteriores | 548,644.6 | 791,675.7 | 1,179,040.9 | 120,696.6 | 355,968.8 | -376,242.8 | 14,317.3 | -79,384.6 | 2,554,716.4 | | Resultados del Periodo | 119,208.5 | 109,020.4 | 188,874.3 | 59,126.2 | 52,104.6 | -34,910.5 | 46.3 | -2,916.4 | 490,553.3 | | Cuentas contingentes | 5,135,123.1 | 4,342,640.6 | 3,850,259.8 | 444,985.9 | 3,116,284.1 | 2,806.2 | 0.0 | 0.0 | 16,892,099.6 | | Cuentas de orden | 31,687,982.5 | 28,258,952.2 | 4,412,390.5 | 14,980,620.4 | 3,053,227.6 | 6,574,597.5 | 819,946.1 | 1,896,310.5 | 91,684,027.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2010 C$ 21.1775 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2011 C$ 22.2364 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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