| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 36,079,020.9 | 27,905,365.2 | 22,486,943.9 | 10,500,892.3 | 4,667,829.3 | 2,823,119.9 | 73,636.0 | 602,146.7 | 176,968.5 | 105,315,922.7 | | Disponibilidades | 10,680,253.7 | 6,684,722.3 | 6,726,512.8 | 2,614,131.2 | 1,172,059.2 | 628,385.1 | 25,196.9 | 63,253.5 | 15,729.9 | 28,610,244.6 | | Moneda Nacional | 4,122,115.8 | 2,046,728.0 | 2,004,170.6 | 834,706.2 | 278,518.8 | 167,666.0 | 23.2 | 20,108.8 | 7,945.6 | 9,481,982.9 | | Caja | 550,462.5 | 395,298.9 | 567,341.1 | 124,148.0 | 35,429.8 | 54,278.9 | 0.0 | 875.3 | 3,698.5 | 1,731,533.1 | | Banco Central de Nicaragua | 2,007,686.2 | 513,839.6 | 483,691.2 | 313,454.2 | 129,039.2 | 34,885.2 | 0.0 | 209.1 | 0.0 | 3,482,804.7 | | Depositos e Instituciones Financieras del Pais | 7,118.0 | 0.0 | 0.0 | 101,754.8 | 5,462.1 | 1,193.8 | 23.2 | 19,024.4 | 4,247.2 | 138,823.5 | | Otras disponibilidades | 1,556,849.0 | 1,137,589.5 | 953,138.3 | 295,349.2 | 108,587.7 | 77,308.1 | 0.0 | 0.0 | 0.0 | 4,128,821.7 | | | | | | | | | | | | | | Moneda Extranjera | 6,558,138.0 | 4,637,994.3 | 4,722,342.3 | 1,779,425.0 | 893,540.4 | 460,719.1 | 25,173.7 | 43,144.7 | 7,784.2 | 19,128,261.7 | | Caja | 379,566.9 | 383,424.5 | 437,986.2 | 114,007.6 | 69,946.0 | 81,603.3 | 0.0 | 521.9 | 4,768.0 | 1,471,824.4 | | Banco Central de Nicaragua | 1,608,313.0 | 584,075.0 | 874,814.0 | 55,339.9 | 84,179.9 | 58,584.0 | 0.0 | 218.3 | 0.0 | 3,265,524.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 6,193.0 | 0.0 | 13,048.7 | 25,173.7 | 42,404.5 | 3,016.3 | 89,836.2 | | Depositos en Instituciones Financieras del exterior | 1,836,411.5 | 983,609.9 | 1,359,103.7 | 627,634.5 | 368,878.0 | 54,329.6 | 0.0 | 0.0 | 0.0 | 5,229,967.2 | | Otras disponibilidades | 2,733,846.6 | 2,686,885.0 | 2,050,438.3 | 976,249.9 | 370,536.5 | 253,153.5 | 0.0 | 0.0 | 0.0 | 9,071,109.8 | | | | | | | | | | | | | | Inversiones en valores, neto | 10,845,330.4 | 7,689,371.7 | 1,049,452.6 | 1,503,724.1 | 286,409.4 | 0.0 | 45,997.6 | 0.0 | 0.0 | 21,420,285.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,259,472.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,259,472.5 | | Inversiones Disponibles para la Venta | 63,215.3 | 4,890,249.3 | 1,049,452.6 | 125,174.5 | 286,409.4 | 0.0 | 0.0 | 0.0 | 0.0 | 6,414,501.1 | | Inversiones Mantenidas Hasta el Vencimiento | 8,522,642.6 | 2,799,122.4 | 0.0 | 1,378,549.6 | 0.0 | 0.0 | 45,997.6 | 0.0 | 0.0 | 12,746,312.2 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 58,605.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 58,605.3 | | | | | | | | | | | | | | Cartera de Creditos, neta | 13,592,571.4 | 12,624,528.6 | 14,159,160.0 | 6,084,699.4 | 3,075,602.8 | 1,820,969.5 | 603.8 | 484,544.2 | 148,620.8 | 51,991,300.6 | | Créditos vigentes | 12,797,566.6 | 12,110,316.4 | 13,995,447.7 | 5,832,356.0 | 2,907,558.1 | 1,673,864.6 | 612.3 | 478,167.4 | 146,125.8 | 49,942,014.9 | | Créditos prorrogados | 4,980.2 | 22,914.1 | 2,612.6 | 0.0 | 0.0 | 0.0 | 0.0 | 93.2 | 0.0 | 30,600.1 | | Créditos reestructurados | 636,978.1 | 470,676.2 | 159,122.1 | 236,421.6 | 215,754.3 | 176,797.8 | 0.0 | 19,272.9 | 0.0 | 1,915,023.1 | | Créditos vencidos | 75,948.5 | 39,441.9 | 55,848.8 | 38,822.9 | 52,999.6 | 18,534.1 | 0.0 | 8,711.6 | 80.9 | 290,388.3 | | Créditos en cobro judicial | 319,582.5 | 235,724.2 | 259,681.0 | 56,252.1 | 9,028.4 | 12,879.0 | 0.0 | 8,817.3 | 0.0 | 901,964.5 | | Intereses y Comisiones por Cobrar sobre Creditos | 231,079.5 | 194,699.2 | 156,376.0 | 75,554.7 | 50,738.3 | 49,147.5 | 3.8 | 10,781.1 | 4,026.5 | 772,406.7 | | Provisiones por incobrabilidad de cartera de creditos | -473,564.0 | -449,243.4 | -469,928.3 | -154,707.9 | -160,476.0 | -110,253.5 | -12.3 | -41,299.3 | -1,612.4 | -1,861,097.1 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 160,021.8 | 173,217.9 | 67,365.3 | 23,652.6 | 14,328.7 | 9,358.4 | 225.3 | 2,777.2 | 3,904.8 | 454,852.0 | | Bienes de uso, neto | 594,708.9 | 241,440.3 | 407,890.4 | 74,813.7 | 90,617.6 | 286,573.3 | 0.0 | 9,685.2 | 2,369.9 | 1,708,099.3 | | Bienes recibidos en recuperacion de creditos, neto | 32,787.5 | 86,245.7 | 6,528.5 | 22,370.4 | 2,733.4 | 43,068.9 | 0.0 | 16,842.7 | 0.0 | 210,577.0 | | Invesiones permanentes en acciones | 61,009.7 | 296,175.1 | 34,393.2 | 6,018.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 397,596.2 | | Otros activos neto | 112,337.4 | 109,663.6 | 35,641.2 | 112,877.3 | 26,078.1 | 34,764.8 | 1,612.5 | 25,043.9 | 6,343.1 | 464,361.9 | | Pasivo | 33,311,808.2 | 25,635,600.4 | 19,649,706.8 | 9,490,958.1 | 3,905,893.0 | 2,532,902.5 | 572.7 | 443,437.9 | 77,059.5 | 95,047,939.0 | | Obligaciones con el Público | 29,661,148.3 | 21,624,009.9 | 18,159,029.7 | 8,248,173.4 | 3,687,721.0 | 2,255,078.5 | 0.0 | 0.0 | 0.0 | 83,635,160.7 | | Moneda Nacional | 10,474,249.2 | 6,103,766.7 | 4,902,018.9 | 2,001,900.6 | 777,879.3 | 504,024.8 | 0.0 | 0.0 | 0.0 | 24,763,839.5 | | Depositos a la Vista | 2,831,719.4 | 2,522,861.8 | 3,074,585.8 | 656,631.9 | 395,081.1 | 178,682.4 | 0.0 | 0.0 | 0.0 | 9,659,562.4 | | Depositos de Ahorro | 5,882,490.4 | 2,443,565.8 | 1,123,798.1 | 1,168,831.3 | 166,933.6 | 219,201.5 | 0.0 | 0.0 | 0.0 | 11,004,820.7 | | Depositos a Plazo | 1,760,039.4 | 1,137,339.1 | 703,635.1 | 176,437.5 | 215,864.6 | 106,140.8 | 0.0 | 0.0 | 0.0 | 4,099,456.4 | | 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 | 18,904,097.5 | 14,567,999.6 | 13,085,455.2 | 6,131,737.9 | 2,874,999.4 | 1,715,389.5 | 0.0 | 0.0 | 0.0 | 57,279,679.1 | | Depositos a la Vista | 3,989,404.7 | 3,110,945.1 | 4,106,758.8 | 460,866.4 | 551,921.3 | 149,320.8 | 0.0 | 0.0 | 0.0 | 12,369,217.1 | | Depositos de Ahorro | 10,354,132.9 | 8,653,789.2 | 5,658,511.7 | 3,579,795.2 | 1,635,431.8 | 816,352.3 | 0.0 | 0.0 | 0.0 | 30,698,013.2 | | Depositos a Plazo | 4,560,559.9 | 2,803,265.2 | 3,320,184.7 | 2,091,076.3 | 687,646.3 | 749,716.4 | 0.0 | 0.0 | 0.0 | 14,212,448.8 | | 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 | 195,346.0 | 898,868.4 | 119,458.8 | 70,055.8 | 18,488.1 | 17,878.3 | 0.0 | 0.0 | 0.0 | 1,320,095.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 87,455.6 | 53,375.3 | 52,096.7 | 44,479.0 | 16,354.2 | 17,785.9 | 0.0 | 0.0 | 0.0 | 271,546.7 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,896,765.9 | 2,921,327.8 | 1,055,785.3 | 881,849.8 | 0.0 | 151.8 | 0.0 | 420,460.6 | 66,455.0 | 8,242,796.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 175,001.8 | 289,428.0 | 141,555.1 | 129,806.7 | 0.0 | 0.0 | 0.0 | 200.2 | 0.0 | 735,991.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 361,187.1 | 346,784.9 | 122,350.9 | 265,341.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,095,664.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 52,662.0 | 52,662.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,360,577.0 | 2,285,114.8 | 791,879.2 | 486,701.7 | 0.0 | 151.8 | 0.0 | 420,260.3 | 13,793.0 | 6,358,477.9 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 293,932.6 | 121,873.2 | 0.0 | 79,904.8 | 0.0 | 51,303.9 | 0.0 | 0.0 | 0.0 | 547,014.4 | | 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 | 81,741.1 | 194,142.9 | 158,677.9 | 33,578.4 | 69,756.5 | 14,653.3 | 323.5 | 4,896.6 | 1,766.1 | 559,536.3 | | Otros pasivos y provisiones | 263,066.0 | 232,439.5 | 276,213.8 | 86,391.4 | 148,415.5 | 57,877.5 | 249.2 | 18,080.7 | 8,838.4 | 1,091,572.1 | | Obligaciones subordinadas | 115,154.2 | 541,807.2 | 0.0 | 161,060.4 | 0.0 | 153,837.6 | 0.0 | 0.0 | 0.0 | 971,859.3 | | 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 | 2,767,212.8 | 2,269,764.8 | 2,837,237.1 | 1,009,934.2 | 761,936.3 | 290,217.4 | 73,063.2 | 158,708.8 | 99,909.0 | 10,267,983.7 | | Capital social pagado | 1,320,500.0 | 1,144,400.0 | 955,000.0 | 600,000.0 | 245,000.0 | 729,283.4 | 50,000.0 | 223,815.0 | 100,000.0 | 5,367,998.4 | | 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 | -28,302.3 | -6,436.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -34,739.0 | | Reservas patrimoniales | 484,092.8 | 377,767.5 | 443,460.8 | 163,943.4 | 166,329.2 | 32,871.6 | 8,553.7 | 13,910.9 | 0.0 | 1,690,929.8 | | Resultados acumulados de ejercicios anteriores | 275,590.1 | 393,667.6 | 847,745.9 | 51,527.0 | 185,896.5 | -379,430.9 | 14,283.3 | -79,384.6 | 0.0 | 1,309,895.0 | | Resultados del Periodo | 487,029.8 | 382,231.4 | 597,467.2 | 194,463.8 | 164,710.5 | -92,506.9 | 226.2 | 367.6 | -91.0 | 1,733,898.6 | | Cuentas contingentes | 6,360,363.3 | 5,617,586.2 | 4,474,189.3 | 445,864.6 | 3,186,680.1 | 1,387.6 | 0.0 | 0.0 | 0.0 | 20,086,070.9 | | Cuentas de orden | 32,718,978.0 | 25,744,182.6 | 4,445,234.7 | 17,108,944.9 | 3,047,258.0 | 6,802,472.9 | 574.4 | 1,689,734.7 | 342,006.1 | 91,899,386.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2010 C$ 21.8825 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2011 C$ 22.9767 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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