| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 37,972,242.0 | 24,402,256.3 | 19,878,631.3 | 9,194,082.5 | 5,131,947.3 | 2,800,976.3 | 237,714.2 | 532,045.4 | 100,149,895.5 | | Disponibilidades | 13,195,459.3 | 4,711,621.9 | 6,890,326.9 | 2,338,769.4 | 1,613,469.3 | 716,345.2 | 16,663.4 | 35,014.7 | 29,517,670.1 | | Moneda Nacional | 2,604,262.2 | 2,107,883.6 | 1,563,899.0 | 453,024.2 | 214,590.4 | 132,623.5 | 213.1 | 9,684.8 | 7,086,180.9 | | Caja | 724,985.3 | 477,032.8 | 716,911.9 | 113,166.6 | 54,878.4 | 61,938.1 | 42.3 | 3,265.8 | 2,152,221.3 | | Banco Central de Nicaragua | 673,416.6 | 555,251.9 | 92,070.1 | 19,337.1 | 39,355.0 | 231.0 | 0.0 | 209.4 | 1,379,871.1 | | Depositos e Instituciones Financieras del Pais | 2,161.8 | 0.0 | 0.0 | 71,069.1 | 3,967.5 | 601.9 | 170.8 | 6,209.6 | 84,180.6 | | Otras disponibilidades | 1,203,698.5 | 1,075,598.9 | 754,917.0 | 249,451.4 | 116,389.5 | 69,852.6 | 0.0 | 0.0 | 3,469,907.9 | | | | | | | | | | | | | Moneda Extranjera | 10,591,197.1 | 2,603,738.3 | 5,326,427.9 | 1,885,745.3 | 1,398,878.9 | 583,721.7 | 16,450.2 | 25,329.9 | 22,431,489.2 | | Caja | 335,603.0 | 333,599.3 | 441,542.5 | 87,618.9 | 73,349.1 | 65,086.3 | 116.8 | 2,417.8 | 1,339,333.7 | | Banco Central de Nicaragua | 1,675,044.8 | 3,631.2 | 721,903.1 | 60,101.6 | 314,219.7 | 99,790.0 | 0.0 | 212.1 | 2,874,902.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 84,351.8 | 0.0 | 14,174.1 | 16,333.4 | 22,700.0 | 137,559.4 | | Depositos en Instituciones Financieras del exterior | 5,848,278.4 | 501,099.1 | 2,304,838.4 | 764,844.8 | 639,497.6 | 156,567.0 | 0.0 | 0.0 | 10,215,125.2 | | Otras disponibilidades | 2,732,270.9 | 1,765,408.7 | 1,858,143.9 | 888,828.1 | 371,812.5 | 248,104.3 | 0.0 | 0.0 | 7,864,568.4 | | | | | | | | | | | | | Inversiones en valores, neto | 12,215,522.7 | 8,769,502.0 | 915,559.1 | 1,306,160.0 | 620,876.2 | 0.0 | 0.0 | 0.0 | 23,827,620.0 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,012,373.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,012,373.5 | | Inversiones Disponibles para la Venta | 78,138.0 | 6,180,640.4 | 580,627.3 | 210,817.5 | 620,876.2 | 0.0 | 0.0 | 0.0 | 7,671,099.5 | | Inversiones Mantenidas Hasta el Vencimiento | 10,125,011.2 | 2,588,861.6 | 334,931.8 | 1,095,342.5 | 0.0 | 0.0 | 0.0 | 0.0 | 14,144,147.0 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 33,966.5 | 0.0 | 0.0 | 0.0 | 0.0 | 33,966.5 | | | | | | | | | | | | | Cartera de Creditos, neta | 11,568,979.7 | 9,946,024.5 | 11,460,551.4 | 5,263,889.9 | 2,711,581.0 | 1,665,694.7 | 199,150.9 | 439,270.0 | 43,255,142.1 | | Créditos vigentes | 10,891,283.3 | 9,395,330.7 | 11,223,695.7 | 4,958,873.7 | 2,504,675.5 | 1,479,000.8 | 193,264.3 | 429,687.3 | 41,075,811.3 | | Créditos prorrogados | 1,365.4 | 4,355.0 | 3,221.8 | 0.0 | 0.0 | 4,269.6 | 35.6 | 293.3 | 13,540.7 | | Créditos reestructurados | 561,627.4 | 555,740.4 | 136,658.8 | 268,705.8 | 271,654.0 | 209,672.1 | 1,110.9 | 25,974.5 | 2,031,143.7 | | Créditos vencidos | 333,350.5 | 175,242.2 | 243,631.7 | 70,457.9 | 53,909.2 | 37,880.6 | 6,821.8 | 11,941.4 | 933,235.1 | | Créditos en cobro judicial | 86,311.8 | 99,801.4 | 140,971.8 | 52,460.5 | 7,570.0 | 23,933.7 | 9,241.8 | 16,533.8 | 436,824.8 | | Intereses y Comisiones por Cobrar sobre Creditos | 196,585.1 | 168,772.9 | 125,590.5 | 70,530.5 | 54,017.1 | 41,908.6 | 1,305.4 | 9,318.9 | 668,029.0 | | Provisiones por incobrabilidad de cartera de creditos | -501,543.9 | -453,218.0 | -413,218.8 | -157,138.4 | -180,244.9 | -130,970.6 | -12,628.9 | -54,479.0 | -1,903,442.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 159,600.1 | 174,304.6 | 71,155.0 | 24,927.0 | 27,621.7 | 11,951.9 | 1,528.8 | 2,100.2 | 473,189.4 | | Bienes de uso, neto | 585,866.7 | 203,544.4 | 408,600.0 | 74,827.7 | 86,803.2 | 305,559.8 | 8,902.8 | 10,395.1 | 1,684,499.7 | | Bienes recibidos en recuperacion de creditos, neto | 54,602.4 | 97,635.2 | 6,159.4 | 21,293.1 | 3,843.9 | 59,536.5 | 10,154.1 | 18,136.3 | 271,361.0 | | Invesiones permanentes en acciones | 54,609.1 | 310,680.6 | 33,425.2 | 5,483.5 | 27,820.8 | 0.0 | 0.0 | 0.0 | 432,019.2 | | Otros activos neto | 137,601.9 | 188,942.9 | 92,854.3 | 124,765.4 | 39,931.2 | 41,888.3 | 1,314.3 | 27,129.1 | 654,427.4 | | Pasivo | 35,527,667.0 | 22,088,608.3 | 17,262,733.8 | 8,303,440.3 | 4,297,110.6 | 2,576,865.2 | 164,135.3 | 421,427.8 | 90,641,988.2 | | Obligaciones con el Público | 31,353,009.7 | 18,215,373.4 | 15,472,009.2 | 7,275,400.8 | 3,981,244.6 | 2,107,770.8 | 0.0 | 0.0 | 78,404,808.5 | | Moneda Nacional | 8,334,150.2 | 5,820,334.9 | 3,625,547.2 | 1,483,984.3 | 944,020.3 | 430,878.2 | 0.0 | 0.0 | 20,638,915.0 | | Depositos a la Vista | 2,524,515.4 | 2,592,551.5 | 2,549,610.6 | 495,595.9 | 362,236.2 | 108,922.0 | 0.0 | 0.0 | 8,633,431.5 | | Depositos de Ahorro | 3,980,203.2 | 2,231,331.4 | 922,213.2 | 815,294.4 | 197,915.9 | 176,667.8 | 0.0 | 0.0 | 8,323,625.8 | | Depositos a Plazo | 1,829,431.5 | 996,452.0 | 153,723.4 | 173,094.1 | 383,868.2 | 145,288.4 | 0.0 | 0.0 | 3,681,857.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,623,372.6 | 11,914,398.4 | 11,688,203.2 | 5,661,986.0 | 2,989,264.7 | 1,633,814.7 | 0.0 | 0.0 | 56,511,039.5 | | Depositos a la Vista | 3,344,943.8 | 4,049,973.2 | 3,816,098.4 | 466,480.0 | 647,782.7 | 137,358.7 | 0.0 | 0.0 | 12,462,636.7 | | Depositos de Ahorro | 14,404,298.3 | 5,259,577.6 | 4,952,926.1 | 3,170,540.4 | 1,610,658.8 | 740,319.6 | 0.0 | 0.0 | 30,138,320.9 | | Depositos a Plazo | 4,874,130.5 | 2,604,847.6 | 2,919,178.7 | 2,024,965.6 | 730,823.2 | 756,136.5 | 0.0 | 0.0 | 13,910,082.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 299,085.8 | 437,602.8 | 112,133.4 | 85,527.4 | 28,613.4 | 21,000.1 | 0.0 | 0.0 | 983,962.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 96,401.1 | 43,037.4 | 46,125.5 | 43,903.1 | 19,346.2 | 22,077.8 | 0.0 | 0.0 | 270,891.0 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,532,048.5 | 2,828,629.4 | 1,342,717.3 | 665,244.1 | 111,149.9 | 167,942.6 | 159,456.6 | 352,538.9 | 9,159,727.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 170,587.9 | 378,682.4 | 179,544.2 | 143,420.5 | 0.0 | 0.0 | 0.0 | 342.6 | 872,577.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 410,324.9 | 393,484.9 | 139,386.9 | 278,198.4 | 110,609.5 | 0.0 | 0.0 | 0.0 | 1,332,004.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 111,643.5 | 0.0 | 0.0 | 111,643.5 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,951,135.7 | 2,056,462.0 | 1,023,786.3 | 243,625.2 | 540.3 | 56,299.1 | 159,456.6 | 352,196.3 | 6,843,501.6 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 236,324.3 | 61,214.7 | 0.0 | 102,415.7 | 0.0 | 73,572.8 | 0.0 | 0.0 | 473,527.4 | | 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 | 78,589.8 | 155,798.3 | 176,936.6 | 24,382.3 | 55,552.0 | 26,596.2 | 950.7 | 6,142.4 | 524,948.3 | | Otros pasivos y provisiones | 214,903.9 | 293,250.5 | 271,070.6 | 78,234.4 | 149,164.1 | 49,668.0 | 3,728.0 | 17,850.8 | 1,077,870.3 | | Obligaciones subordinadas | 112,790.8 | 534,341.9 | 0.0 | 157,763.0 | 0.0 | 151,315.0 | 0.0 | 44,895.6 | 1,001,106.3 | | 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 | 2,444,575.0 | 2,313,648.1 | 2,615,897.6 | 890,642.2 | 834,836.7 | 224,111.1 | 73,579.0 | 110,617.6 | 9,507,907.3 | | 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 | 200,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 200,000.8 | | 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 | 1,140.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,940.1 | | 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 | 348,644.6 | 791,221.6 | 1,179,040.9 | 120,696.6 | 355,968.8 | -379,430.9 | 14,317.3 | -79,384.6 | 2,351,074.1 | | Resultados del Periodo | 164,392.1 | 131,118.3 | 237,595.8 | 75,171.9 | 67,538.7 | -45,752.1 | 742.0 | -3,428.6 | 627,378.0 | | Cuentas contingentes | 5,390,254.1 | 4,036,300.8 | 4,072,544.0 | 436,209.5 | 3,122,245.9 | 2,680.7 | 0.0 | 0.0 | 17,060,234.9 | | Cuentas de orden | 31,391,023.4 | 25,179,324.8 | 4,358,638.2 | 14,941,456.6 | 3,195,896.1 | 6,558,858.0 | 793,650.7 | 1,917,284.8 | 88,336,132.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2010 C$ 21.2654 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2011 C$ 22.3287 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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