| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 38,223,826.4 | 26,765,886.3 | 21,618,015.4 | 10,261,755.2 | 4,640,603.2 | 2,717,673.1 | 74,046.7 | 595,260.4 | 138,836.7 | 105,035,903.3 | | Disponibilidades | 11,324,256.0 | 5,673,877.2 | 6,889,998.6 | 2,744,957.6 | 1,226,874.6 | 561,087.8 | 25,363.2 | 46,766.1 | 13,273.1 | 28,506,454.1 | | Moneda Nacional | 2,505,032.4 | 1,657,285.7 | 1,879,853.6 | 576,507.5 | 216,541.1 | 182,465.0 | 43.8 | 17,691.7 | 5,755.9 | 7,041,176.8 | | Caja | 599,220.7 | 429,436.5 | 718,345.4 | 134,447.3 | 60,368.2 | 70,908.5 | 0.0 | 4,451.6 | 3,749.5 | 2,020,927.7 | | Banco Central de Nicaragua | 720,731.7 | 0.0 | 11,215.2 | 129,226.5 | 40,949.4 | 37,607.7 | 0.0 | 209.2 | 0.0 | 939,939.7 | | Depositos e Instituciones Financieras del Pais | 7,604.2 | 0.0 | 0.0 | 21,637.0 | 4,735.0 | 1,243.6 | 43.8 | 13,030.8 | 2,006.5 | 50,300.9 | | Otras disponibilidades | 1,177,475.8 | 1,227,849.2 | 1,150,293.0 | 291,196.7 | 110,488.5 | 72,705.2 | 0.0 | 0.0 | 0.0 | 4,030,008.4 | | | | | | | | | | | | | | Moneda Extranjera | 8,819,223.5 | 4,016,591.5 | 5,010,145.1 | 2,168,450.1 | 1,010,333.5 | 378,622.7 | 25,319.4 | 29,074.4 | 7,517.2 | 21,465,277.3 | | Caja | 299,542.6 | 229,088.8 | 538,257.8 | 108,294.6 | 72,178.5 | 61,210.3 | 0.0 | 2,319.0 | 4,288.3 | 1,315,179.9 | | Banco Central de Nicaragua | 1,739,384.3 | 3,702.4 | 420,676.0 | 502,253.9 | 191,641.0 | 42,284.8 | 0.0 | 216.5 | 0.0 | 2,900,158.8 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 140,194.6 | 0.0 | 3,984.4 | 25,319.4 | 26,538.9 | 3,228.9 | 199,266.2 | | Depositos en Instituciones Financieras del exterior | 3,922,866.4 | 1,829,570.0 | 2,166,641.3 | 440,364.6 | 378,760.7 | 20,826.2 | 0.0 | 0.0 | 0.0 | 8,759,029.2 | | Otras disponibilidades | 2,857,430.2 | 1,954,230.3 | 1,884,570.1 | 977,342.3 | 367,753.3 | 250,317.0 | 0.0 | 0.0 | 0.0 | 8,291,643.2 | | | | | | | | | | | | | | Inversiones en valores, neto | 13,398,235.5 | 8,583,483.8 | 1,040,665.2 | 1,307,586.9 | 375,001.3 | 0.0 | 45,637.0 | 22,825.1 | 0.0 | 24,773,434.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,070,129.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,070,129.4 | | Inversiones Disponibles para la Venta | 68,384.9 | 5,529,154.3 | 1,040,665.2 | 55,821.2 | 375,001.3 | 0.0 | 0.0 | 0.0 | 0.0 | 7,069,027.0 | | Inversiones Mantenidas Hasta el Vencimiento | 11,259,721.1 | 3,054,329.5 | 0.0 | 1,251,765.7 | 0.0 | 0.0 | 45,637.0 | 22,825.1 | 0.0 | 15,634,278.4 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 57,880.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 57,880.8 | | | | | | | | | | | | | | Cartera de Creditos, neta | 12,497,702.6 | 11,467,529.0 | 12,984,997.0 | 5,914,812.9 | 2,872,476.9 | 1,771,397.7 | 685.5 | 470,094.1 | 111,807.4 | 48,091,503.1 | | Créditos vigentes | 11,712,745.8 | 11,004,626.8 | 12,813,297.4 | 5,644,016.7 | 2,706,416.7 | 1,610,390.8 | 695.9 | 462,544.1 | 110,156.0 | 46,064,890.2 | | Créditos prorrogados | 5,940.3 | 21,153.7 | 513.7 | 0.0 | 0.0 | 0.0 | 0.0 | 102.3 | 0.0 | 27,710.0 | | Créditos reestructurados | 669,083.7 | 399,110.7 | 150,039.1 | 256,706.8 | 226,688.6 | 186,792.2 | 0.0 | 20,134.4 | 0.0 | 1,908,555.5 | | Créditos vencidos | 77,372.7 | 68,140.4 | 93,479.5 | 43,969.9 | 51,841.7 | 23,720.0 | 0.0 | 9,051.2 | 0.0 | 367,575.3 | | Créditos en cobro judicial | 323,060.2 | 235,851.6 | 252,643.3 | 56,856.5 | 10,325.0 | 17,537.3 | 0.0 | 11,973.5 | 0.0 | 908,247.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 207,860.5 | 184,124.5 | 135,142.2 | 72,279.0 | 52,443.3 | 46,174.4 | 3.6 | 10,258.9 | 2,807.4 | 711,093.7 | | Provisiones por incobrabilidad de cartera de creditos | -498,360.6 | -445,478.7 | -460,118.1 | -159,015.9 | -175,238.4 | -113,217.0 | -14.0 | -43,970.3 | -1,156.0 | -1,896,569.0 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 198,300.9 | 170,303.8 | 74,390.1 | 24,412.9 | 37,860.1 | 16,153.3 | 856.4 | 2,078.8 | 5,536.0 | 529,892.2 | | Bienes de uso, neto | 595,362.1 | 233,033.7 | 405,400.0 | 70,508.7 | 93,733.7 | 289,891.7 | 0.0 | 10,068.6 | 1,184.7 | 1,699,183.2 | | Bienes recibidos en recuperacion de creditos, neto | 31,866.8 | 87,235.4 | 5,841.3 | 16,573.4 | 3,186.6 | 45,914.8 | 0.0 | 17,438.7 | 0.0 | 208,056.9 | | Invesiones permanentes en acciones | 54,609.1 | 296,175.1 | 33,668.1 | 4,983.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 389,435.8 | | Otros activos neto | 123,493.4 | 254,248.3 | 183,055.0 | 120,038.6 | 31,470.0 | 33,227.9 | 1,504.6 | 25,989.1 | 7,035.5 | 780,062.3 | | Pasivo | 35,568,849.2 | 24,434,758.9 | 18,907,971.1 | 9,287,184.7 | 3,906,466.6 | 2,417,214.8 | 757.2 | 439,277.3 | 57,343.3 | 95,019,822.9 | | Obligaciones con el Público | 31,831,626.6 | 19,983,467.7 | 17,171,456.1 | 8,118,209.9 | 3,671,419.5 | 2,125,423.3 | 0.0 | 0.0 | 0.0 | 82,901,603.1 | | Moneda Nacional | 8,439,677.4 | 6,898,344.6 | 4,762,668.5 | 1,634,040.4 | 688,683.9 | 452,660.5 | 0.0 | 0.0 | 0.0 | 22,876,075.3 | | Depositos a la Vista | 2,563,493.1 | 3,433,063.5 | 3,011,849.8 | 421,162.7 | 297,750.7 | 125,212.1 | 0.0 | 0.0 | 0.0 | 9,852,532.0 | | Depositos de Ahorro | 4,172,401.8 | 2,230,271.4 | 1,230,763.0 | 1,030,225.9 | 176,799.2 | 219,155.5 | 0.0 | 0.0 | 0.0 | 9,059,616.9 | | Depositos a Plazo | 1,703,782.4 | 1,235,009.6 | 520,055.8 | 182,651.7 | 214,134.0 | 108,292.9 | 0.0 | 0.0 | 0.0 | 3,963,926.4 | | 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 | 23,014,640.3 | 12,887,806.9 | 12,158,960.9 | 6,370,618.3 | 2,935,654.2 | 1,632,117.6 | 0.0 | 0.0 | 0.0 | 58,999,798.1 | | Depositos a la Vista | 3,926,356.7 | 4,239,476.5 | 3,699,825.4 | 720,519.8 | 613,626.8 | 125,650.5 | 0.0 | 0.0 | 0.0 | 13,325,455.6 | | Depositos de Ahorro | 14,590,154.2 | 5,902,441.9 | 5,195,252.1 | 3,579,035.6 | 1,626,689.2 | 751,242.9 | 0.0 | 0.0 | 0.0 | 31,644,815.8 | | Depositos a Plazo | 4,498,129.4 | 2,745,888.5 | 3,263,883.5 | 2,071,062.9 | 695,338.2 | 755,224.2 | 0.0 | 0.0 | 0.0 | 14,029,526.7 | | 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 | 279,617.0 | 144,184.4 | 198,140.1 | 68,670.7 | 29,267.4 | 22,234.9 | 0.0 | 0.0 | 0.0 | 742,114.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 97,691.9 | 53,131.9 | 51,686.6 | 44,880.5 | 17,813.9 | 18,410.3 | 0.0 | 0.0 | 0.0 | 283,615.2 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,972,736.7 | 3,185,648.9 | 1,129,868.6 | 838,019.9 | 0.0 | 438.1 | 0.0 | 412,245.9 | 35,489.4 | 8,574,447.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 189,479.8 | 305,421.6 | 148,380.9 | 133,601.8 | 0.0 | 0.0 | 0.0 | 234.0 | 0.0 | 777,118.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 383,531.5 | 356,077.7 | 125,516.5 | 253,540.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,118,666.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 35,489.4 | 35,489.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,399,725.4 | 2,524,149.6 | 855,971.2 | 450,877.3 | 0.0 | 438.1 | 0.0 | 412,011.9 | 0.0 | 6,643,173.6 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 321,108.3 | 121,454.9 | 0.0 | 46,541.5 | 0.0 | 50,736.6 | 0.0 | 0.0 | 0.0 | 539,841.3 | | 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 | 70,118.0 | 267,349.4 | 275,031.8 | 31,003.9 | 61,158.6 | 19,815.1 | 757.2 | 4,905.6 | 12,491.9 | 742,631.5 | | Otros pasivos y provisiones | 258,597.7 | 336,184.7 | 331,614.5 | 93,029.9 | 173,888.5 | 58,859.3 | 0.0 | 22,125.8 | 9,361.9 | 1,283,662.3 | | Obligaciones subordinadas | 114,662.0 | 540,653.3 | 0.0 | 160,379.6 | 0.0 | 161,942.4 | 0.0 | 0.0 | 0.0 | 977,637.3 | | 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 | 2,654,977.3 | 2,331,127.5 | 2,710,044.3 | 974,570.5 | 734,136.6 | 300,458.3 | 73,289.5 | 155,983.1 | 81,493.4 | 10,016,080.3 | | 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 | 223,815.0 | 83,000.0 | 5,150,998.4 | | 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 | -5,149.3 | -1,954.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -7,116.6 | | 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 | 185,896.5 | -379,430.9 | 14,317.3 | -79,384.6 | 0.0 | 1,746,369.5 | | Resultados del Periodo | 374,806.9 | 286,224.6 | 465,792.3 | 159,100.1 | 136,910.8 | -82,266.0 | 452.5 | -2,358.2 | -1,506.6 | 1,337,156.4 | | Cuentas contingentes | 6,024,930.0 | 4,667,784.4 | 4,512,214.3 | 449,613.9 | 3,123,326.5 | 2,279.4 | 0.0 | 0.0 | 0.0 | 18,780,148.6 | | Cuentas de orden | 31,988,567.4 | 24,708,593.0 | 4,394,266.5 | 16,389,222.2 | 2,960,543.8 | 6,653,680.9 | 569.8 | 1,703,052.5 | 287,986.1 | 89,086,482.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2010 C$ 21.7048 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2011 C$ 22.7901 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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