| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 38,685,440.8 | 24,950,705.8 | 21,082,874.6 | 10,093,508.5 | 4,698,261.6 | 2,738,502.1 | 79,035.8 | 574,206.6 | 91,742.3 | 102,994,278.1 | | Disponibilidades | 12,952,159.2 | 5,167,373.1 | 7,553,294.9 | 2,664,546.9 | 1,188,703.5 | 566,896.5 | 1,100.0 | 39,756.6 | 11,510.2 | 30,145,340.9 | | Moneda Nacional | 2,242,767.9 | 2,521,392.1 | 1,908,637.2 | 595,133.0 | 236,168.2 | 165,060.0 | 85.4 | 12,188.0 | 4,377.1 | 7,685,808.8 | | Caja | 711,336.6 | 534,295.5 | 711,735.6 | 119,218.0 | 51,281.7 | 66,211.5 | 0.0 | 3,257.7 | 3,696.9 | 2,201,033.6 | | Banco Central de Nicaragua | 306,652.6 | 784,488.5 | 361,928.7 | 39,310.0 | 77,124.4 | 31,808.2 | 0.0 | 209.3 | 0.0 | 1,601,521.7 | | Depositos e Instituciones Financieras del Pais | 2,487.2 | 0.0 | 0.0 | 151,564.7 | 1,701.3 | 1,266.3 | 85.4 | 8,720.9 | 680.2 | 166,506.0 | | Otras disponibilidades | 1,222,291.6 | 1,202,608.1 | 834,972.8 | 285,040.3 | 106,060.8 | 65,774.1 | 0.0 | 0.0 | 0.0 | 3,716,747.6 | | | | | | | | | | | | | | Moneda Extranjera | 10,709,391.3 | 2,645,981.0 | 5,644,657.7 | 2,069,413.9 | 952,535.3 | 401,836.5 | 1,014.6 | 27,568.6 | 7,133.1 | 22,459,532.1 | | Caja | 369,725.0 | 229,097.3 | 517,547.5 | 134,471.6 | 92,564.9 | 62,108.7 | 0.0 | 2,280.9 | 4,508.4 | 1,412,304.3 | | Banco Central de Nicaragua | 1,759,956.5 | 3,415.4 | 1,068,871.9 | 425,245.0 | 161,896.0 | 11,558.6 | 0.0 | 214.7 | 0.0 | 3,431,158.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 13,342.4 | 0.0 | 2,333.6 | 1,014.6 | 25,073.0 | 2,624.7 | 44,388.3 | | Depositos en Instituciones Financieras del exterior | 5,696,899.8 | 327,359.4 | 2,146,053.7 | 553,154.1 | 338,389.6 | 77,392.5 | 0.0 | 0.0 | 0.0 | 9,139,249.1 | | Otras disponibilidades | 2,882,810.0 | 2,086,109.0 | 1,912,184.6 | 943,200.9 | 359,684.7 | 248,443.1 | 0.0 | 0.0 | 0.0 | 8,432,432.2 | | | | | | | | | | | | | | Inversiones en valores, neto | 13,024,720.5 | 8,263,698.3 | 924,728.2 | 1,444,719.8 | 450,246.5 | 0.0 | 74,696.6 | 22,607.5 | 0.0 | 24,205,417.5 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,223,216.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,223,216.2 | | Inversiones Disponibles para la Venta | 79,125.8 | 5,572,260.8 | 585,630.4 | 156,450.3 | 450,246.5 | 0.0 | 0.0 | 0.0 | 0.0 | 6,843,713.7 | | Inversiones Mantenidas Hasta el Vencimiento | 10,722,378.6 | 2,691,437.5 | 339,097.9 | 1,288,269.6 | 0.0 | 0.0 | 74,696.6 | 22,607.5 | 0.0 | 15,138,487.7 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 57,557.6 | 75,625.4 | 88,369.6 | 0.0 | 0.0 | 0.0 | 221,552.7 | | | | | | | | | | | | | | Cartera de Creditos, neta | 11,711,177.5 | 10,516,221.6 | 11,951,483.0 | 5,687,192.5 | 2,812,229.5 | 1,690,645.4 | 1,157.0 | 453,723.7 | 66,978.4 | 44,890,808.7 | | Créditos vigentes | 11,151,120.4 | 10,063,576.8 | 11,781,125.2 | 5,408,582.4 | 2,626,490.8 | 1,523,442.0 | 1,176.2 | 446,396.3 | 66,253.4 | 43,068,163.5 | | Créditos prorrogados | 3,882.9 | 2,390.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 120.3 | 0.0 | 6,393.9 | | Créditos reestructurados | 503,230.1 | 444,725.8 | 147,323.0 | 257,308.5 | 236,354.2 | 195,409.4 | 0.0 | 21,230.8 | 0.0 | 1,805,581.8 | | Créditos vencidos | 308,091.3 | 58,655.0 | 65,954.3 | 51,525.7 | 63,901.9 | 29,903.2 | 0.0 | 10,266.4 | 0.0 | 588,297.8 | | Créditos en cobro judicial | 93,300.6 | 228,055.7 | 259,333.8 | 58,897.1 | 9,295.0 | 26,102.2 | 0.0 | 14,061.7 | 0.0 | 689,046.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 171,423.7 | 166,501.3 | 125,309.4 | 67,583.2 | 51,449.5 | 40,790.7 | 4.4 | 9,964.1 | 1,402.8 | 634,429.2 | | Provisiones por incobrabilidad de cartera de creditos | -519,871.5 | -447,683.8 | -427,562.8 | -156,704.3 | -175,262.0 | -125,002.1 | -23.6 | -48,315.7 | -677.9 | -1,901,103.7 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 188,990.0 | 184,204.9 | 60,672.0 | 25,970.2 | 41,016.2 | 8,377.9 | 349.7 | 2,070.0 | 5,833.8 | 517,484.7 | | Bienes de uso, neto | 588,984.4 | 218,227.5 | 402,992.3 | 72,590.7 | 91,630.5 | 294,678.7 | 0.0 | 10,451.2 | 1,079.4 | 1,680,634.7 | | Bienes recibidos en recuperacion de creditos, neto | 37,129.5 | 91,580.7 | 7,111.3 | 20,466.6 | 3,886.6 | 51,756.5 | 0.0 | 18,479.3 | 0.0 | 230,410.4 | | Invesiones permanentes en acciones | 54,609.1 | 296,175.1 | 33,511.1 | 4,983.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 389,278.8 | | Otros activos neto | 127,670.6 | 213,224.6 | 149,081.7 | 115,480.6 | 34,923.4 | 37,777.5 | 1,732.4 | 27,118.3 | 6,340.5 | 713,349.7 | | Pasivo | 36,120,908.3 | 22,692,246.6 | 18,449,435.4 | 9,140,534.1 | 3,906,046.5 | 2,428,815.7 | 4,682.7 | 463,072.1 | 31,133.8 | 93,236,875.3 | | Obligaciones con el Público | 32,138,475.0 | 18,436,314.4 | 16,698,552.0 | 8,061,116.4 | 3,664,738.9 | 2,116,162.1 | 0.0 | 0.0 | 0.0 | 81,115,358.8 | | Moneda Nacional | 8,703,602.2 | 6,454,582.7 | 4,433,555.9 | 1,700,544.4 | 747,491.6 | 428,186.1 | 0.0 | 0.0 | 0.0 | 22,467,962.9 | | Depositos a la Vista | 2,714,196.2 | 2,690,812.3 | 2,787,885.2 | 443,486.3 | 280,867.3 | 108,485.8 | 0.0 | 0.0 | 0.0 | 9,025,733.2 | | Depositos de Ahorro | 3,777,700.0 | 2,171,640.9 | 1,034,729.0 | 1,070,345.3 | 250,394.5 | 196,007.7 | 0.0 | 0.0 | 0.0 | 8,500,817.3 | | Depositos a Plazo | 2,211,706.0 | 1,592,129.5 | 610,941.7 | 186,712.7 | 216,229.9 | 123,692.6 | 0.0 | 0.0 | 0.0 | 4,941,412.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Moneda Extranjera | 23,036,826.3 | 11,789,711.9 | 12,103,772.3 | 6,243,522.6 | 2,877,637.2 | 1,652,039.0 | 0.0 | 0.0 | 0.0 | 57,703,509.3 | | Depositos a la Vista | 3,767,998.1 | 3,677,506.0 | 3,797,508.0 | 690,832.1 | 564,234.6 | 138,131.9 | 0.0 | 0.0 | 0.0 | 12,636,210.6 | | Depositos de Ahorro | 14,724,481.6 | 5,363,268.0 | 5,088,051.3 | 3,532,419.1 | 1,600,932.2 | 752,204.3 | 0.0 | 0.0 | 0.0 | 31,061,356.5 | | Depositos a Plazo | 4,544,346.7 | 2,748,937.9 | 3,218,212.9 | 2,020,271.5 | 712,470.3 | 761,702.8 | 0.0 | 0.0 | 0.0 | 14,005,942.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Otras obligaciones | 303,061.6 | 143,594.0 | 112,280.8 | 75,621.5 | 22,909.8 | 15,388.1 | 0.0 | 0.0 | 0.0 | 672,855.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 94,984.8 | 48,425.8 | 48,943.1 | 41,427.9 | 16,700.4 | 20,549.0 | 0.0 | 0.0 | 0.0 | 271,030.9 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,260,556.2 | 3,114,176.8 | 1,216,962.5 | 723,956.7 | 10,831.7 | 21,479.8 | 0.0 | 390,532.4 | 11,129.3 | 8,749,625.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 203,162.9 | 348,324.6 | 162,665.1 | 137,429.1 | 0.0 | 0.0 | 0.0 | 278.0 | 0.0 | 851,859.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 386,915.2 | 373,763.6 | 131,391.2 | 266,776.5 | 10,737.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,169,584.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,129.3 | 11,129.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,670,478.1 | 2,392,088.5 | 922,906.1 | 319,751.1 | 94.3 | 21,479.8 | 0.0 | 390,254.4 | 0.0 | 6,717,052.4 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 293,618.7 | 62,454.0 | 0.0 | 86,907.0 | 0.0 | 51,068.3 | 0.0 | 0.0 | 0.0 | 494,048.0 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras cuentas por pagar | 76,639.2 | 227,245.9 | 226,460.9 | 23,330.6 | 64,438.9 | 26,374.6 | 1,350.0 | 6,019.5 | 11,630.1 | 663,489.7 | | Otros pasivos y provisiones | 237,448.2 | 312,369.8 | 307,460.0 | 85,527.7 | 166,037.0 | 56,070.0 | 3,332.7 | 21,069.2 | 8,374.4 | 1,197,688.9 | | Obligaciones subordinadas | 114,171.1 | 539,685.7 | 0.0 | 159,695.7 | 0.0 | 157,660.9 | 0.0 | 45,451.1 | 0.0 | 1,016,664.5 | | Impuestos diferidos | 0.0 | 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 | 0.0 | | Patrimonio | 2,564,532.6 | 2,258,459.1 | 2,633,439.1 | 952,974.5 | 792,215.0 | 309,686.4 | 74,353.1 | 111,134.5 | 60,608.6 | 9,757,402.8 | | Capital social pagado | 1,320,500.0 | 1,144,400.0 | 755,000.0 | 600,000.0 | 245,000.0 | 729,251.3 | 50,000.0 | 179,520.0 | 63,000.0 | 5,086,671.3 | | Capital donado | 0.0 | 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 | 10.9 | 0.0 | 0.0 | 0.0 | 200,011.5 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | -12.6 | -21,766.1 | 800.0 | 10,630.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -10,348.0 | | 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 | 0.0 | 1,588,671.8 | | Resultados acumulados de ejercicios anteriores | 348,644.6 | 530,145.9 | 1,047,745.9 | 80,696.6 | 271,290.8 | -379,430.9 | 14,317.3 | -79,384.6 | 0.0 | 1,834,025.4 | | Resultados del Periodo | 284,362.2 | 227,911.3 | 386,432.4 | 126,873.5 | 109,595.0 | -73,016.5 | 1,516.1 | -2,911.8 | -2,391.4 | 1,058,370.8 | | Cuentas contingentes | 5,841,840.3 | 4,424,882.7 | 4,371,219.2 | 456,525.6 | 3,098,966.7 | 3,298.5 | 0.0 | 0.0 | 0.0 | 18,196,732.8 | | Cuentas de orden | 31,682,206.7 | 24,398,109.5 | 4,249,891.8 | 15,970,971.9 | 2,993,966.9 | 6,628,300.0 | 1,288.5 | 1,745,450.9 | 216,175.6 | 87,886,361.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2010 C$ 21.5286 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2011 C$ 22.6050 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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