| Descripción | BANPRO | BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | Sistema Bancario y Financiero | | Activo | 38,755,552.5 | 25,139,620.9 | 20,288,339.5 | 9,814,814.1 | 4,943,326.7 | 2,657,154.2 | 294,259.1 | 535,812.3 | 102,428,879.1 | | Disponibilidades | 15,232,932.8 | 4,737,927.3 | 7,362,688.1 | 2,606,029.2 | 1,246,189.5 | 585,544.4 | 88,785.8 | 35,570.2 | 31,895,667.3 | | Moneda Nacional | 2,184,851.1 | 1,951,424.8 | 1,626,036.2 | 795,059.1 | 285,242.7 | 168,895.9 | 216.1 | 13,735.5 | 7,025,461.3 | | Caja | 641,545.0 | 440,557.4 | 689,391.7 | 107,416.9 | 53,834.7 | 66,291.5 | 41.5 | 4,116.8 | 2,003,195.3 | | Banco Central de Nicaragua | 445,586.8 | 274,368.8 | 246,500.7 | 307,374.7 | 108,600.6 | 35,017.4 | 0.0 | 209.3 | 1,417,658.3 | | Depositos e Instituciones Financieras del Pais | 1,552.8 | 0.0 | 0.0 | 96,188.3 | 5,862.5 | 1,029.4 | 174.6 | 9,409.4 | 114,217.0 | | Otras disponibilidades | 1,096,166.6 | 1,236,498.6 | 690,143.8 | 284,079.2 | 116,944.9 | 66,557.7 | 0.0 | 0.0 | 3,490,390.7 | | | | | | | | | | | | | Moneda Extranjera | 13,048,081.7 | 2,786,502.5 | 5,736,651.9 | 1,810,970.1 | 960,946.9 | 416,648.5 | 88,569.7 | 21,834.7 | 24,870,206.0 | | Caja | 326,110.0 | 221,665.9 | 467,397.2 | 98,700.1 | 78,024.9 | 61,898.3 | 56.8 | 2,479.0 | 1,256,332.3 | | Banco Central de Nicaragua | 3,152,633.5 | 3,882.7 | 470,757.8 | 311,448.7 | 147,361.8 | 43,438.6 | 0.0 | 213.0 | 4,129,736.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 62,382.1 | 0.0 | 6,059.8 | 88,512.9 | 19,142.7 | 176,097.6 | | Depositos en Instituciones Financieras del exterior | 6,775,154.8 | 677,457.0 | 2,846,506.9 | 379,158.8 | 361,375.5 | 54,959.9 | 0.0 | 0.0 | 11,094,612.9 | | Otras disponibilidades | 2,794,183.4 | 1,883,496.9 | 1,951,989.9 | 959,280.5 | 374,184.7 | 250,291.8 | 0.0 | 0.0 | 8,213,427.2 | | | | | | | | | | | | | Inversiones en valores, neto | 11,402,248.6 | 9,369,105.2 | 920,452.9 | 1,462,568.8 | 780,658.2 | 0.0 | 0.0 | 0.0 | 23,935,033.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,653,254.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,653,254.0 | | Inversiones Disponibles para la Venta | 78,451.9 | 6,425,313.8 | 584,176.0 | 176,653.9 | 780,658.2 | 0.0 | 0.0 | 0.0 | 8,045,253.7 | | Inversiones Mantenidas Hasta el Vencimiento | 9,670,542.7 | 2,943,791.5 | 336,276.9 | 1,285,915.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14,236,526.0 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 34,135.2 | 0.0 | 0.0 | 0.0 | 0.0 | 34,135.2 | | | | | | | | | | | | | Cartera de Creditos, neta | 11,230,990.1 | 10,054,246.7 | 11,374,361.9 | 5,468,108.2 | 2,728,993.3 | 1,660,311.3 | 183,498.2 | 442,797.8 | 43,143,307.5 | | Créditos vigentes | 10,599,276.5 | 9,557,334.0 | 11,185,427.9 | 5,175,502.2 | 2,525,944.5 | 1,490,130.7 | 175,957.2 | 435,247.6 | 41,144,820.6 | | Créditos prorrogados | 2,360.5 | 2,517.0 | 8,781.4 | 0.0 | 0.0 | 4,240.3 | 35.8 | 291.9 | 18,226.9 | | Créditos reestructurados | 561,897.1 | 514,620.6 | 140,583.1 | 266,317.8 | 260,326.5 | 195,162.4 | 5,681.4 | 23,733.8 | 1,968,322.7 | | Créditos vencidos | 323,008.6 | 166,368.6 | 229,376.2 | 58,477.9 | 56,056.0 | 34,020.1 | 801.9 | 11,738.2 | 879,847.4 | | Créditos en cobro judicial | 91,047.4 | 109,411.7 | 102,913.1 | 57,777.5 | 9,201.1 | 26,243.8 | 9,201.8 | 15,424.8 | 421,221.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 160,236.3 | 161,688.7 | 116,312.2 | 67,147.4 | 53,345.2 | 39,065.4 | 1,382.8 | 9,176.2 | 608,354.2 | | Provisiones por incobrabilidad de cartera de creditos | -506,836.3 | -457,693.9 | -409,031.9 | -157,114.6 | -175,880.0 | -128,551.4 | -9,562.6 | -52,814.8 | -1,897,485.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 65,055.7 | 179,782.9 | 75,762.3 | 23,450.8 | 63,141.8 | 12,339.2 | 1,663.9 | 2,567.8 | 423,764.5 | | Bienes de uso, neto | 585,225.0 | 206,620.1 | 407,836.1 | 74,779.8 | 88,079.0 | 303,072.7 | 8,861.9 | 10,527.9 | 1,685,002.4 | | Bienes recibidos en recuperacion de creditos, neto | 52,033.5 | 92,058.7 | 8,001.2 | 20,155.8 | 3,843.9 | 57,636.4 | 10,133.1 | 18,303.5 | 262,166.1 | | Invesiones permanentes en acciones | 54,609.1 | 310,680.6 | 33,535.6 | 5,483.5 | 0.0 | 0.0 | 0.0 | 0.0 | 404,308.9 | | Otros activos neto | 132,457.5 | 189,199.3 | 105,701.3 | 120,102.8 | 32,421.0 | 38,250.2 | 1,316.2 | 26,045.2 | 645,493.5 | | Pasivo | 36,272,427.2 | 22,927,206.4 | 17,751,919.2 | 8,895,294.6 | 4,089,445.1 | 2,446,171.7 | 217,894.4 | 425,089.1 | 93,025,447.8 | | Obligaciones con el Público | 32,214,635.1 | 19,013,117.5 | 15,780,045.5 | 7,818,829.5 | 3,749,589.5 | 2,116,273.2 | 0.0 | 0.0 | 80,692,490.3 | | Moneda Nacional | 8,131,471.3 | 6,285,969.6 | 3,787,333.7 | 1,836,607.6 | 778,286.1 | 432,077.4 | 0.0 | 0.0 | 21,251,745.7 | | Depositos a la Vista | 2,360,202.0 | 2,964,665.1 | 2,471,554.2 | 530,447.6 | 294,654.4 | 114,658.8 | 0.0 | 0.0 | 8,736,182.2 | | Depositos de Ahorro | 3,952,828.2 | 2,243,899.7 | 1,147,492.3 | 1,126,723.4 | 203,544.9 | 196,715.1 | 0.0 | 0.0 | 8,871,203.5 | | Depositos a Plazo | 1,818,441.1 | 1,077,404.9 | 168,287.1 | 179,436.7 | 280,086.9 | 120,703.4 | 0.0 | 0.0 | 3,644,360.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 23,724,230.2 | 12,230,149.4 | 11,807,418.3 | 5,848,052.9 | 2,922,955.6 | 1,645,180.9 | 0.0 | 0.0 | 58,177,987.2 | | Depositos a la Vista | 4,115,521.8 | 4,269,349.7 | 3,772,293.7 | 564,607.9 | 610,334.5 | 135,610.1 | 0.0 | 0.0 | 13,467,717.6 | | Depositos de Ahorro | 14,946,740.7 | 5,362,125.1 | 5,010,132.8 | 3,269,915.7 | 1,602,961.8 | 742,575.6 | 0.0 | 0.0 | 30,934,451.8 | | Depositos a Plazo | 4,661,967.7 | 2,598,674.5 | 3,024,991.8 | 2,013,529.4 | 709,659.3 | 766,995.1 | 0.0 | 0.0 | 13,775,817.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 265,401.2 | 452,592.7 | 139,842.5 | 91,006.8 | 31,440.5 | 15,800.7 | 0.0 | 0.0 | 996,084.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 93,532.5 | 44,405.9 | 45,451.1 | 43,162.1 | 16,907.2 | 23,214.2 | 0.0 | 0.0 | 266,673.0 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,394,498.8 | 2,697,406.1 | 1,468,545.7 | 708,225.5 | 111,257.5 | 52,956.2 | 0.0 | 355,439.5 | 8,788,329.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 189,656.5 | 364,579.0 | 173,720.0 | 141,376.1 | 0.0 | 0.0 | 0.0 | 321.2 | 869,652.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 399,274.9 | 387,076.5 | 138,657.8 | 272,030.0 | 110,493.4 | 0.0 | 0.0 | 0.0 | 1,307,532.6 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,805,567.4 | 1,945,750.6 | 1,156,167.9 | 294,819.5 | 764.1 | 52,956.2 | 0.0 | 355,118.3 | 6,611,144.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 256,828.7 | 61,758.7 | 0.0 | 104,692.2 | 0.0 | 50,636.4 | 0.0 | 0.0 | 473,916.1 | | 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 | 69,569.6 | 187,159.4 | 206,381.8 | 26,691.9 | 74,953.3 | 19,343.4 | 934.6 | 6,356.1 | 591,390.1 | | Otros pasivos y provisiones | 224,569.7 | 437,194.9 | 296,946.2 | 79,743.1 | 153,644.8 | 53,592.9 | 216,959.8 | 18,227.6 | 1,480,879.1 | | Obligaciones subordinadas | 112,325.2 | 530,569.7 | 0.0 | 157,112.4 | 0.0 | 153,369.6 | 0.0 | 45,066.0 | 998,442.8 | | 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 | 2,483,125.3 | 2,212,414.5 | 2,536,420.3 | 919,519.5 | 853,881.5 | 210,982.5 | 76,364.7 | 110,723.1 | 9,403,431.4 | | Capital social pagado | 1,320,500.0 | 1,144,400.0 | 755,000.0 | 600,000.0 | 245,000.0 | 616,422.3 | 50,000.0 | 179,520.0 | 4,910,842.3 | | 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 | -5,026.4 | 800.0 | 9,772.2 | 0.0 | 0.0 | 0.0 | 0.0 | 5,545.8 | | 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 | 348,644.6 | 530,145.9 | 1,047,745.9 | 80,696.6 | 355,968.8 | -379,430.9 | 14,317.3 | -79,384.6 | 1,918,703.4 | | Resultados del Periodo | 202,942.3 | 165,127.0 | 289,413.6 | 94,276.9 | 86,583.5 | -58,880.7 | 3,527.7 | -3,323.1 | 779,667.2 | | Cuentas contingentes | 5,628,110.5 | 4,082,864.1 | 4,217,565.5 | 455,005.4 | 3,115,687.6 | 3,255.4 | 0.0 | 0.0 | 17,502,488.4 | | Cuentas de orden | 31,270,716.8 | 24,112,396.2 | 4,376,276.0 | 15,662,457.5 | 3,078,328.7 | 6,544,035.3 | 721,511.4 | 1,851,113.7 | 87,616,835.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2010 C$ 21.3509 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2011 C$ 22.4184 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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