| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 39,064,863.1 | 25,391,060.9 | 20,929,601.7 | 10,086,634.1 | 4,776,294.1 | 2,711,822.9 | 79,149.3 | 575,010.0 | 111,286.1 | 103,725,722.1 | | Disponibilidades | 12,608,355.6 | 4,644,745.0 | 7,298,274.1 | 2,645,065.2 | 1,378,353.7 | 600,131.4 | 961.8 | 37,327.3 | 10,081.5 | 29,223,295.6 | | Moneda Nacional | 2,740,063.0 | 1,890,252.0 | 1,595,539.0 | 625,339.3 | 235,904.9 | 172,562.3 | 114.7 | 11,444.3 | 3,998.9 | 7,275,218.4 | | Caja | 693,382.8 | 491,024.0 | 683,398.1 | 129,238.9 | 51,578.3 | 66,901.3 | 0.0 | 3,168.1 | 3,775.1 | 2,122,466.6 | | Banco Central de Nicaragua | 806,415.0 | 204,133.8 | 101,044.9 | 178,140.7 | 72,310.2 | 34,508.0 | 0.0 | 209.2 | 0.0 | 1,396,761.8 | | Depositos e Instituciones Financieras del Pais | 3,940.4 | 0.0 | 0.0 | 21,637.0 | 5,415.7 | 1,214.4 | 114.7 | 8,067.0 | 223.8 | 40,612.9 | | Otras disponibilidades | 1,236,324.9 | 1,195,094.2 | 811,096.1 | 296,322.6 | 106,600.7 | 69,938.7 | 0.0 | 0.0 | 0.0 | 3,715,377.1 | | | | | | | | | | | | | | Moneda Extranjera | 9,868,292.5 | 2,754,493.1 | 5,702,735.0 | 2,019,726.0 | 1,142,448.8 | 427,569.0 | 847.2 | 25,882.9 | 6,082.6 | 21,948,077.3 | | Caja | 365,343.7 | 203,070.3 | 543,259.1 | 96,462.7 | 93,405.5 | 60,354.7 | 0.0 | 1,980.3 | 5,093.4 | 1,368,969.6 | | Banco Central de Nicaragua | 619,552.6 | 3,754.4 | 1,136,492.2 | 324,731.0 | 229,801.6 | 71,853.7 | 0.0 | 215.6 | 0.0 | 2,386,401.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 136,016.7 | 0.0 | 2,695.0 | 847.2 | 23,687.0 | 989.2 | 164,235.1 | | Depositos en Instituciones Financieras del exterior | 6,016,054.5 | 443,032.7 | 2,107,714.7 | 513,669.2 | 447,946.7 | 43,950.7 | 0.0 | 0.0 | 0.0 | 9,572,368.5 | | Otras disponibilidades | 2,867,341.7 | 2,104,635.7 | 1,915,269.0 | 948,846.5 | 371,295.0 | 248,715.0 | 0.0 | 0.0 | 0.0 | 8,456,102.9 | | | | | | | | | | | | | | Inversiones en valores, neto | 13,283,448.7 | 8,630,786.0 | 696,883.5 | 1,357,706.0 | 373,025.9 | 0.0 | 75,104.4 | 22,733.1 | 0.0 | 24,439,687.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,231,385.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,231,385.8 | | Inversiones Disponibles para la Venta | 79,443.6 | 5,716,514.5 | 696,883.5 | 55,573.7 | 373,025.9 | 0.0 | 0.0 | 0.0 | 0.0 | 6,921,441.3 | | Inversiones Mantenidas Hasta el Vencimiento | 10,972,619.3 | 2,914,271.5 | 0.0 | 1,302,132.4 | 0.0 | 0.0 | 75,104.4 | 22,733.1 | 0.0 | 15,286,860.7 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 75,018.5 | 0.0 | 0.0 | 57,885.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 132,904.1 | | | | | | | | | | | | | | Cartera de Creditos, neta | 12,106,740.4 | 11,104,797.0 | 12,254,966.0 | 5,787,706.2 | 2,873,527.8 | 1,726,299.8 | 708.7 | 457,869.5 | 88,150.5 | 46,400,766.0 | | Créditos vigentes | 11,351,054.4 | 10,624,997.3 | 12,077,781.6 | 5,513,191.9 | 2,696,539.8 | 1,564,535.7 | 719.3 | 449,924.4 | 86,965.8 | 44,365,710.3 | | Créditos prorrogados | 3,798.9 | 10,870.3 | 612.8 | 0.0 | 0.0 | 0.0 | 0.0 | 113.6 | 0.0 | 15,395.5 | | Créditos reestructurados | 677,406.8 | 428,568.9 | 150,012.3 | 255,714.6 | 232,545.0 | 189,539.3 | 0.0 | 20,822.0 | 0.0 | 1,954,608.9 | | Créditos vencidos | 81,288.0 | 69,942.9 | 74,069.5 | 48,593.3 | 56,777.6 | 27,323.0 | 0.0 | 9,591.0 | 0.0 | 367,585.3 | | Créditos en cobro judicial | 316,795.6 | 232,416.4 | 256,685.1 | 58,219.2 | 9,332.4 | 21,647.9 | 0.0 | 13,646.5 | 0.0 | 908,742.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 187,176.7 | 168,793.6 | 132,010.3 | 70,014.4 | 53,594.9 | 42,252.5 | 3.9 | 9,587.3 | 2,084.6 | 665,518.3 | | Provisiones por incobrabilidad de cartera de creditos | -510,779.9 | -430,792.4 | -436,205.6 | -158,027.2 | -175,262.0 | -118,998.6 | -14.5 | -45,815.2 | -899.9 | -1,876,795.2 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 189,662.9 | 162,146.7 | 67,765.1 | 24,117.6 | 22,659.0 | 10,795.5 | 816.7 | 1,916.7 | 4,987.0 | 484,867.2 | | Bienes de uso, neto | 591,687.4 | 220,167.2 | 405,615.9 | 74,072.6 | 95,199.4 | 293,318.2 | 0.0 | 10,214.1 | 1,127.9 | 1,691,402.8 | | Bienes recibidos en recuperacion de creditos, neto | 32,839.9 | 90,043.7 | 5,293.6 | 17,307.2 | 3,886.6 | 48,437.1 | 0.0 | 18,240.1 | 0.0 | 216,048.2 | | Invesiones permanentes en acciones | 54,609.1 | 296,175.1 | 33,506.0 | 4,983.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 389,273.7 | | Otros activos neto | 122,500.7 | 242,200.2 | 167,297.5 | 117,790.0 | 29,641.6 | 32,841.0 | 1,557.6 | 26,709.2 | 6,939.1 | 747,476.8 | | Pasivo | 36,454,312.5 | 23,107,264.5 | 18,257,918.4 | 9,128,193.5 | 3,971,737.6 | 2,408,999.4 | 5,933.5 | 463,678.1 | 40,544.8 | 93,838,582.4 | | Obligaciones con el Público | 32,846,812.4 | 18,522,360.8 | 16,456,592.0 | 7,930,014.3 | 3,654,842.4 | 2,095,773.3 | 0.0 | 0.0 | 0.0 | 81,506,395.2 | | Moneda Nacional | 8,566,614.0 | 6,441,309.2 | 4,327,080.6 | 1,557,288.9 | 696,800.5 | 413,671.1 | 0.0 | 0.0 | 0.0 | 22,002,764.3 | | Depositos a la Vista | 2,600,749.5 | 2,605,904.3 | 2,718,374.5 | 429,372.1 | 300,150.5 | 101,068.3 | 0.0 | 0.0 | 0.0 | 8,755,619.2 | | Depositos de Ahorro | 3,755,930.5 | 2,240,660.5 | 988,998.9 | 953,417.2 | 181,917.9 | 202,739.8 | 0.0 | 0.0 | 0.0 | 8,323,664.7 | | Depositos a Plazo | 2,209,933.9 | 1,594,744.3 | 619,707.3 | 174,499.6 | 214,732.2 | 109,863.0 | 0.0 | 0.0 | 0.0 | 4,923,480.4 | | 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 | 23,879,134.6 | 11,887,723.4 | 11,848,106.3 | 6,261,724.2 | 2,913,546.5 | 1,636,968.8 | 0.0 | 0.0 | 0.0 | 58,427,203.7 | | Depositos a la Vista | 4,410,511.9 | 3,419,222.7 | 3,607,699.4 | 697,747.5 | 591,242.7 | 137,357.9 | 0.0 | 0.0 | 0.0 | 12,863,782.3 | | Depositos de Ahorro | 14,893,876.3 | 5,704,261.4 | 5,011,578.9 | 3,541,251.2 | 1,612,286.2 | 741,738.6 | 0.0 | 0.0 | 0.0 | 31,504,992.8 | | Depositos a Plazo | 4,574,746.4 | 2,764,239.3 | 3,228,827.9 | 2,022,725.4 | 710,017.5 | 757,872.2 | 0.0 | 0.0 | 0.0 | 14,058,428.7 | | 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 | 304,625.2 | 143,271.9 | 232,280.5 | 70,014.4 | 27,178.8 | 24,971.4 | 0.0 | 0.0 | 0.0 | 802,342.1 | | Cargos financieros por pagar sobre obligaciones con el Público | 96,438.6 | 50,056.3 | 49,124.6 | 40,986.8 | 17,316.5 | 20,162.1 | 0.0 | 0.0 | 0.0 | 274,085.0 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,883,849.4 | 3,328,365.7 | 1,228,319.2 | 844,298.1 | 0.0 | 18,794.1 | 0.0 | 389,613.1 | 20,098.7 | 8,713,338.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 192,642.9 | 315,566.9 | 156,321.9 | 135,518.2 | 0.0 | 0.0 | 0.0 | 256.0 | 0.0 | 800,306.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 375,613.8 | 367,176.9 | 130,614.0 | 260,472.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,133,876.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 20,098.7 | 20,098.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,315,592.7 | 2,645,621.9 | 941,383.3 | 448,307.9 | 0.0 | 18,794.1 | 0.0 | 389,357.0 | 0.0 | 6,759,056.8 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 293,079.1 | 120,733.2 | 0.0 | 73,454.4 | 0.0 | 51,265.8 | 0.0 | 0.0 | 0.0 | 538,532.5 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 75,009.9 | 0.0 | 0.0 | 0.0 | 0.0 | 75,009.9 | | Otras cuentas por pagar | 69,541.3 | 249,574.1 | 249,148.4 | 31,153.0 | 49,566.3 | 25,648.0 | 5,850.7 | 6,638.7 | 11,628.5 | 698,749.0 | | Otros pasivos y provisiones | 247,310.3 | 345,193.7 | 323,858.8 | 90,212.9 | 192,319.0 | 57,759.3 | 82.9 | 21,802.7 | 8,817.6 | 1,287,357.2 | | Obligaciones subordinadas | 113,720.1 | 541,037.0 | 0.0 | 159,060.8 | 0.0 | 159,758.9 | 0.0 | 45,623.6 | 0.0 | 1,019,200.4 | | 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 | 2,610,550.6 | 2,283,796.4 | 2,671,683.3 | 958,440.6 | 804,556.5 | 302,823.6 | 73,215.8 | 111,332.0 | 70,741.2 | 9,887,139.8 | | Capital social pagado | 1,320,500.0 | 1,144,400.0 | 755,000.0 | 600,000.0 | 245,000.0 | 729,283.4 | 50,000.0 | 179,520.0 | 73,000.0 | 5,096,703.4 | | 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 | 0.2 | 0.0 | 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 | 0.0 | | Ajustes al patrimonio | -12.6 | -24,205.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -23,417.7 | | 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 | 527,884.2 | 1,047,745.9 | 80,696.6 | 271,290.8 | -379,430.9 | 14,317.3 | -79,384.6 | 0.0 | 1,831,763.7 | | Resultados del Periodo | 330,380.2 | 257,949.3 | 424,676.5 | 142,970.2 | 121,936.5 | -79,900.7 | 378.8 | -2,714.3 | -2,258.8 | 1,193,417.7 | | Cuentas contingentes | 5,893,874.3 | 4,650,269.7 | 4,608,846.4 | 463,025.8 | 3,098,195.3 | 3,479.6 | 0.0 | 0.0 | 0.0 | 18,717,691.1 | | Cuentas de orden | 31,541,913.6 | 24,557,642.0 | 4,340,382.7 | 15,938,693.6 | 2,986,804.7 | 6,595,577.5 | 567.4 | 1,726,864.0 | 247,693.0 | 87,936,138.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2010 C$ 21.6151 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2011 C$ 22.6958 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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