| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 36,333,674.3 | 27,003,459.2 | 22,117,696.8 | 10,480,980.3 | 4,779,325.9 | 2,776,395.6 | 74,139.1 | 598,071.7 | 162,026.6 | 104,325,769.5 | | Disponibilidades | 9,871,101.8 | 6,005,857.9 | 6,556,517.2 | 2,651,080.7 | 1,295,239.4 | 573,166.0 | 25,098.1 | 55,554.8 | 13,355.1 | 27,046,971.0 | | Moneda Nacional | 2,228,361.3 | 2,290,498.7 | 1,908,458.6 | 672,492.3 | 189,854.3 | 159,536.2 | 23.9 | 17,847.3 | 2,606.8 | 7,469,679.5 | | Caja | 806,669.6 | 585,712.3 | 871,253.4 | 148,897.3 | 58,259.3 | 57,715.4 | 0.0 | 3,504.3 | 2,165.3 | 2,534,176.9 | | Banco Central de Nicaragua | 275,173.8 | 420,734.4 | 117,402.4 | 30,667.8 | 20,485.9 | 24,554.6 | 0.0 | 209.1 | 0.0 | 889,228.0 | | Depositos e Instituciones Financieras del Pais | 9,764.3 | 0.0 | 0.0 | 161,743.1 | 449.2 | 543.9 | 23.9 | 14,133.9 | 441.5 | 187,099.8 | | Otras disponibilidades | 1,136,753.6 | 1,284,052.1 | 919,802.8 | 331,184.1 | 110,659.9 | 76,722.3 | 0.0 | 0.0 | 0.0 | 3,859,174.7 | | | | | | | | | | | | | | Moneda Extranjera | 7,642,740.5 | 3,715,359.2 | 4,648,058.6 | 1,978,588.4 | 1,105,385.1 | 413,629.8 | 25,074.2 | 37,707.5 | 10,748.3 | 19,577,291.5 | | Caja | 354,538.3 | 274,651.6 | 577,068.3 | 96,207.1 | 83,552.8 | 85,839.0 | 0.0 | 2,166.4 | 3,667.6 | 1,477,691.1 | | Banco Central de Nicaragua | 2,988,736.7 | 240,734.1 | 204,969.5 | 368,246.4 | 343,033.5 | 10,253.9 | 0.0 | 217.4 | 0.0 | 4,156,191.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 5,998.5 | 0.0 | 5,192.3 | 25,074.2 | 35,323.8 | 7,080.7 | 78,669.4 | | Depositos en Instituciones Financieras del exterior | 1,508,565.6 | 849,796.1 | 1,888,828.8 | 505,691.0 | 304,168.9 | 61,900.1 | 0.0 | 0.0 | 0.0 | 5,118,950.4 | | Otras disponibilidades | 2,790,899.9 | 2,350,177.3 | 1,977,191.9 | 1,002,445.5 | 374,630.0 | 250,444.5 | 0.0 | 0.0 | 0.0 | 8,745,789.1 | | | | | | | | | | | | | | Inversiones en valores, neto | 12,041,986.3 | 8,010,678.9 | 1,039,174.5 | 1,533,135.6 | 284,830.6 | 0.0 | 45,886.1 | 0.0 | 0.0 | 22,955,692.0 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,217,963.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,217,963.0 | | Inversiones Disponibles para la Venta | 62,953.6 | 5,118,547.6 | 1,039,174.5 | 124,574.3 | 284,830.6 | 0.0 | 0.0 | 0.0 | 0.0 | 6,630,080.6 | | Inversiones Mantenidas Hasta el Vencimiento | 9,761,069.6 | 2,892,131.3 | 0.0 | 1,408,561.3 | 0.0 | 0.0 | 45,886.1 | 0.0 | 0.0 | 14,107,648.4 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 200,019.2 | 0.0 | 0.0 | 58,235.9 | 0.0 | 3,231.4 | 0.0 | 0.0 | 0.0 | 261,486.5 | | | | | | | | | | | | | | Cartera de Creditos, neta | 13,217,243.5 | 11,940,963.6 | 13,802,212.3 | 6,005,762.6 | 3,043,265.7 | 1,821,614.6 | 661.7 | 488,397.6 | 136,280.4 | 50,456,402.0 | | Créditos vigentes | 12,376,000.5 | 11,409,978.6 | 13,611,411.9 | 5,738,024.7 | 2,880,458.8 | 1,666,609.0 | 671.6 | 481,442.6 | 134,141.6 | 48,298,739.4 | | Créditos prorrogados | 6,085.9 | 24,624.4 | 415.3 | 0.0 | 0.0 | 0.0 | 0.0 | 100.1 | 0.0 | 31,225.6 | | Créditos reestructurados | 662,195.8 | 473,885.5 | 163,038.1 | 243,910.6 | 220,625.3 | 181,688.4 | 0.0 | 19,419.3 | 0.0 | 1,964,763.1 | | Créditos vencidos | 118,285.4 | 53,169.6 | 71,924.7 | 52,968.0 | 51,207.6 | 20,307.0 | 0.0 | 9,282.6 | 0.0 | 377,144.7 | | Créditos en cobro judicial | 328,544.3 | 246,083.3 | 257,231.9 | 55,952.5 | 10,727.7 | 16,289.1 | 0.0 | 10,785.2 | 0.0 | 925,614.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 220,042.2 | 177,767.5 | 147,323.2 | 71,767.3 | 55,417.5 | 47,832.4 | 3.6 | 10,188.5 | 3,567.2 | 733,909.3 | | Provisiones por incobrabilidad de cartera de creditos | -493,910.6 | -444,545.3 | -449,132.7 | -156,860.6 | -175,171.2 | -111,111.2 | -13.5 | -42,820.7 | -1,428.4 | -1,874,994.2 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 202,320.3 | 170,399.5 | 63,160.2 | 25,533.1 | 25,876.9 | 15,668.5 | 859.8 | 1,896.3 | 4,154.7 | 509,869.3 | | Bienes de uso, neto | 595,626.1 | 237,253.9 | 403,331.5 | 69,832.7 | 92,327.5 | 287,508.8 | 0.0 | 9,872.7 | 1,311.0 | 1,697,064.1 | | Bienes recibidos en recuperacion de creditos, neto | 33,587.7 | 84,677.3 | 6,652.6 | 14,849.0 | 3,075.7 | 45,663.8 | 0.0 | 16,933.7 | 0.0 | 205,439.7 | | Invesiones permanentes en acciones | 54,609.1 | 296,175.1 | 33,777.7 | 4,983.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 389,545.3 | | Otros activos neto | 117,180.3 | 257,453.1 | 212,870.9 | 117,567.3 | 34,710.0 | 29,542.6 | 1,633.4 | 25,416.5 | 6,925.4 | 803,299.5 | | Pasivo | 33,633,722.2 | 24,637,556.4 | 19,338,568.4 | 9,488,032.6 | 4,034,242.7 | 2,480,374.1 | 552.1 | 441,394.5 | 74,904.3 | 94,129,347.3 | | Obligaciones con el Público | 29,895,749.6 | 19,952,387.0 | 17,325,124.0 | 8,305,233.7 | 3,798,419.8 | 2,182,468.8 | 0.0 | 0.0 | 0.0 | 81,459,382.8 | | Moneda Nacional | 8,274,279.5 | 6,612,467.9 | 4,510,616.2 | 1,963,413.0 | 826,968.3 | 478,262.5 | 0.0 | 0.0 | 0.0 | 22,666,007.3 | | Depositos a la Vista | 2,673,580.4 | 2,821,538.2 | 2,899,807.9 | 507,597.1 | 443,085.9 | 166,082.0 | 0.0 | 0.0 | 0.0 | 9,511,691.6 | | Depositos de Ahorro | 4,105,964.3 | 2,360,376.7 | 1,148,968.0 | 1,281,542.9 | 168,915.1 | 207,139.2 | 0.0 | 0.0 | 0.0 | 9,272,906.1 | | Depositos a Plazo | 1,494,734.8 | 1,430,553.0 | 461,840.3 | 174,273.0 | 214,967.3 | 105,041.2 | 0.0 | 0.0 | 0.0 | 3,881,409.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Moneda Extranjera | 21,248,387.1 | 12,425,312.0 | 12,575,661.3 | 6,212,694.4 | 2,923,230.5 | 1,663,395.1 | 0.0 | 0.0 | 0.0 | 57,048,680.5 | | Depositos a la Vista | 3,865,360.5 | 3,166,949.9 | 3,876,747.3 | 615,013.1 | 623,548.4 | 140,332.7 | 0.0 | 0.0 | 0.0 | 12,287,951.8 | | Depositos de Ahorro | 12,907,232.7 | 6,449,720.0 | 5,362,364.4 | 3,518,341.7 | 1,609,717.6 | 784,287.5 | 0.0 | 0.0 | 0.0 | 30,631,664.0 | | Depositos a Plazo | 4,475,793.9 | 2,808,642.1 | 3,336,549.6 | 2,079,339.5 | 689,964.6 | 738,774.9 | 0.0 | 0.0 | 0.0 | 14,129,064.6 | | 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 | 280,872.8 | 860,237.6 | 187,848.0 | 83,631.3 | 30,912.7 | 24,240.7 | 0.0 | 0.0 | 0.0 | 1,467,743.1 | | Cargos financieros por pagar sobre obligaciones con el Público | 92,210.1 | 54,369.5 | 50,998.5 | 45,495.0 | 17,308.3 | 16,570.5 | 0.0 | 0.0 | 0.0 | 276,951.9 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,958,458.9 | 3,363,094.9 | 1,150,638.6 | 825,325.8 | 0.0 | 442.4 | 0.0 | 418,974.0 | 49,011.8 | 8,765,946.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 179,189.0 | 297,478.2 | 144,183.7 | 131,681.7 | 0.0 | 0.0 | 0.0 | 217.2 | 0.0 | 752,749.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 371,508.9 | 353,503.0 | 123,160.2 | 252,327.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,100,499.9 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 49,011.8 | 49,011.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,407,761.0 | 2,712,113.8 | 883,294.8 | 441,316.3 | 0.0 | 442.4 | 0.0 | 418,756.8 | 0.0 | 6,863,685.1 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 298,692.7 | 121,148.1 | 0.0 | 77,758.7 | 0.0 | 51,009.4 | 0.0 | 0.0 | 0.0 | 548,608.8 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 200,026.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200,026.0 | | Otras cuentas por pagar | 101,282.7 | 292,558.8 | 321,737.5 | 32,803.9 | 48,129.8 | 18,746.7 | 552.1 | 4,613.2 | 15,732.9 | 836,157.7 | | Otros pasivos y provisiones | 263,960.0 | 363,239.6 | 341,042.3 | 85,247.8 | 187,693.1 | 66,307.9 | 0.0 | 17,807.3 | 10,159.5 | 1,335,457.5 | | Obligaciones subordinadas | 115,578.4 | 545,128.0 | 0.0 | 161,662.7 | 0.0 | 161,399.0 | 0.0 | 0.0 | 0.0 | 983,768.1 | | 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 | 2,699,952.1 | 2,365,902.8 | 2,779,128.4 | 992,947.7 | 745,083.2 | 296,021.5 | 73,587.0 | 156,677.2 | 87,122.4 | 10,196,422.2 | | 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 | 88,000.0 | 5,155,998.4 | | 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 | 0.0 | -16,389.4 | -4,078.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -20,468.3 | | 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 | 419,769.2 | 332,240.0 | 537,000.5 | 177,477.3 | 147,857.5 | -86,702.8 | 750.0 | -1,664.0 | -877.6 | 1,525,850.0 | | Cuentas contingentes | 6,284,563.2 | 5,309,176.6 | 4,557,221.2 | 454,363.9 | 3,099,332.4 | 2,279.6 | 0.0 | 0.0 | 0.0 | 19,706,936.9 | | Cuentas de orden | 32,427,649.7 | 25,582,025.5 | 4,402,597.3 | 16,987,576.1 | 3,092,003.5 | 6,746,205.9 | 572.0 | 1,707,332.0 | 325,071.6 | 91,271,033.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2010 C$ 21.7920 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2011 C$ 22.8816 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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