| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 38,254,665.7 | 29,081,516.5 | 23,071,811.6 | 11,030,909.2 | 4,824,551.5 | 2,901,890.9 | 73,756.4 | 593,254.2 | 191,523.2 | 110,023,879.2 | | Disponibilidades | 10,657,508.5 | 7,179,497.6 | 7,408,614.9 | 3,206,566.9 | 1,307,329.3 | 694,641.7 | 25,178.6 | 40,356.5 | 18,440.4 | 30,538,134.4 | | Moneda Nacional | 3,429,850.0 | 2,190,968.1 | 1,784,413.6 | 1,259,349.1 | 326,458.8 | 186,198.3 | 45.6 | 14,291.0 | 9,139.2 | 9,200,713.7 | | Caja | 717,984.1 | 598,152.8 | 829,675.9 | 137,333.6 | 62,761.7 | 75,112.7 | 0.0 | 4,144.8 | 3,269.8 | 2,428,435.4 | | Banco Central de Nicaragua | 1,464,763.2 | 448,436.3 | 5,278.9 | 592,239.6 | 143,040.8 | 27,983.4 | 0.0 | 209.0 | 0.0 | 2,681,951.2 | | Depositos e Instituciones Financieras del Pais | 15,705.6 | 0.0 | 0.0 | 161,886.9 | 3,751.1 | 1,018.0 | 45.6 | 9,937.1 | 5,869.3 | 198,213.8 | | Otras disponibilidades | 1,231,397.1 | 1,144,379.1 | 949,458.9 | 367,889.0 | 116,905.1 | 82,084.2 | 0.0 | 0.0 | 0.0 | 3,892,113.3 | | | | | | | | | | | | | | Moneda Extranjera | 7,227,658.5 | 4,988,529.5 | 5,624,201.2 | 1,947,217.9 | 980,870.6 | 508,443.4 | 25,133.0 | 26,065.5 | 9,301.2 | 21,337,420.7 | | Caja | 351,844.4 | 344,741.3 | 491,356.9 | 120,789.4 | 64,685.8 | 93,440.2 | 0.0 | 1,957.7 | 4,292.0 | 1,473,107.7 | | Banco Central de Nicaragua | 1,110,902.7 | 235,370.3 | 363,402.2 | 266,413.5 | 223,675.2 | 61,899.4 | 0.0 | 228.3 | 0.0 | 2,261,891.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 6,836.5 | 0.0 | 6,684.8 | 25,133.0 | 23,879.5 | 5,009.3 | 67,543.2 | | Depositos en Instituciones Financieras del exterior | 3,046,632.2 | 727,769.7 | 2,659,594.2 | 544,055.0 | 326,926.6 | 85,995.1 | 0.0 | 0.0 | 0.0 | 7,390,972.8 | | Otras disponibilidades | 2,718,279.1 | 3,680,648.2 | 2,109,847.9 | 1,009,123.5 | 365,583.0 | 260,423.9 | 0.0 | 0.0 | 0.0 | 10,143,905.5 | | | | | | | | | | | | | | Inversiones en valores, neto | 12,698,860.8 | 7,835,064.2 | 1,058,165.3 | 1,474,192.4 | 149,502.9 | 0.0 | 46,189.6 | 11,539.2 | 0.0 | 23,273,514.5 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,158,167.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,158,167.3 | | Inversiones Disponibles para la Venta | 33,955.0 | 4,917,801.0 | 1,058,165.3 | 10,367.0 | 149,502.9 | 0.0 | 0.0 | 0.0 | 0.0 | 6,169,791.2 | | Inversiones Mantenidas Hasta el Vencimiento | 10,506,738.6 | 2,917,263.2 | 0.0 | 1,463,825.4 | 0.0 | 0.0 | 46,189.6 | 11,539.2 | 0.0 | 14,945,556.1 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 10,594.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,594.6 | | | | | | | | | | | | | | Cartera de Creditos, neta | 13,959,299.3 | 13,138,575.9 | 14,015,275.8 | 6,102,009.2 | 3,212,594.2 | 1,811,280.4 | 578.9 | 487,441.8 | 159,811.1 | 52,886,866.5 | | Créditos vigentes | 13,062,486.4 | 12,635,239.0 | 13,843,894.2 | 5,851,588.3 | 3,044,879.9 | 1,669,551.7 | 587.5 | 482,542.4 | 157,692.1 | 50,748,461.4 | | Créditos prorrogados | 82,181.3 | 11,346.1 | 1,827.9 | 0.0 | 0.0 | 0.0 | 0.0 | 86.0 | 0.0 | 95,441.3 | | Créditos reestructurados | 639,642.1 | 468,934.6 | 157,256.1 | 235,055.8 | 211,267.3 | 170,910.5 | 0.0 | 18,073.6 | 0.0 | 1,901,140.0 | | Créditos vencidos | 79,228.1 | 40,395.3 | 62,671.5 | 37,709.6 | 51,833.1 | 15,822.3 | 0.0 | 9,184.8 | 88.2 | 296,932.9 | | Créditos en cobro judicial | 296,670.8 | 234,957.8 | 269,309.4 | 55,192.7 | 9,780.8 | 12,743.5 | 0.0 | 7,090.9 | 0.0 | 885,745.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 252,630.6 | 208,478.6 | 161,777.7 | 75,136.1 | 54,221.5 | 48,180.9 | 3.2 | 10,261.4 | 3,798.3 | 814,488.3 | | Provisiones por incobrabilidad de cartera de creditos | -453,540.1 | -460,775.5 | -481,461.1 | -152,673.4 | -159,388.3 | -105,928.5 | -11.8 | -39,797.2 | -1,767.5 | -1,855,343.3 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 123,012.6 | 165,822.0 | 65,914.6 | 26,787.1 | 29,569.7 | 9,945.5 | 192.1 | 1,903.4 | 3,879.3 | 427,026.4 | | Bienes de uso, neto | 599,124.7 | 247,504.8 | 405,193.8 | 74,725.0 | 89,223.6 | 293,643.9 | 0.0 | 9,526.8 | 2,373.7 | 1,721,316.4 | | Bienes recibidos en recuperacion de creditos, neto | 31,102.9 | 82,922.5 | 7,881.1 | 19,030.6 | 2,611.7 | 40,216.2 | 0.0 | 16,940.4 | 0.0 | 200,705.3 | | Invesiones permanentes en acciones | 61,009.7 | 296,175.1 | 35,419.1 | 5,204.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 397,808.6 | | Otros activos neto | 124,747.1 | 135,954.5 | 75,347.1 | 111,798.5 | 33,720.1 | 52,163.1 | 1,617.2 | 25,546.1 | 7,018.8 | 567,912.5 | | Pasivo | 35,444,739.1 | 26,761,399.5 | 20,173,675.2 | 10,047,547.8 | 4,040,581.1 | 2,609,698.5 | 428.2 | 432,929.9 | 89,799.2 | 99,600,798.4 | | Obligaciones con el Público | 31,835,517.9 | 22,625,432.2 | 18,598,794.7 | 8,732,711.8 | 3,823,583.5 | 2,298,426.3 | 0.0 | 0.0 | 0.0 | 87,914,466.4 | | Moneda Nacional | 11,673,987.5 | 6,391,791.8 | 5,148,331.5 | 2,244,152.5 | 863,541.9 | 517,518.5 | 0.0 | 0.0 | 0.0 | 26,839,323.8 | | Depositos a la Vista | 4,033,493.8 | 2,795,949.2 | 3,177,200.7 | 520,913.1 | 476,168.1 | 177,418.1 | 0.0 | 0.0 | 0.0 | 11,181,143.0 | | Depositos de Ahorro | 5,905,052.6 | 2,532,975.5 | 1,132,653.3 | 1,541,489.9 | 173,469.7 | 233,869.2 | 0.0 | 0.0 | 0.0 | 11,519,510.1 | | Depositos a Plazo | 1,735,441.1 | 1,062,867.0 | 838,477.5 | 181,749.5 | 213,904.2 | 106,231.3 | 0.0 | 0.0 | 0.0 | 4,138,670.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Moneda Extranjera | 19,838,592.1 | 15,304,112.6 | 13,162,201.0 | 6,382,391.0 | 2,926,839.6 | 1,742,254.8 | 0.0 | 0.0 | 0.0 | 59,356,391.0 | | Depositos a la Vista | 4,644,981.5 | 3,463,457.1 | 4,062,615.6 | 512,233.9 | 594,599.3 | 140,261.1 | 0.0 | 0.0 | 0.0 | 13,418,148.5 | | Depositos de Ahorro | 10,625,666.1 | 8,961,108.1 | 5,734,442.2 | 3,725,931.7 | 1,640,259.8 | 835,241.3 | 0.0 | 0.0 | 0.0 | 31,522,649.2 | | Depositos a Plazo | 4,567,944.4 | 2,879,547.4 | 3,365,143.2 | 2,144,225.4 | 691,980.5 | 766,752.4 | 0.0 | 0.0 | 0.0 | 14,415,593.3 | | 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 | 237,801.9 | 883,381.7 | 234,425.3 | 62,335.0 | 17,818.7 | 21,147.0 | 0.0 | 0.0 | 0.0 | 1,456,909.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 85,136.4 | 46,146.1 | 53,837.0 | 43,833.2 | 15,383.3 | 17,506.0 | 0.0 | 0.0 | 0.0 | 261,842.0 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,873,453.4 | 2,962,926.8 | 1,130,218.2 | 890,413.1 | 0.0 | 945.3 | 0.0 | 408,945.8 | 78,517.9 | 8,345,420.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 169,498.4 | 273,723.7 | 139,191.5 | 127,967.0 | 0.0 | 0.0 | 0.0 | 183.2 | 0.0 | 710,563.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 360,350.4 | 335,628.6 | 117,147.1 | 258,327.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,071,453.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 43,651.2 | 43,651.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,343,604.6 | 2,353,574.5 | 873,879.6 | 504,119.1 | 0.0 | 945.3 | 0.0 | 408,762.6 | 34,866.7 | 6,519,752.5 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 259,552.0 | 122,600.2 | 0.0 | 132,295.8 | 0.0 | 51,591.1 | 0.0 | 0.0 | 0.0 | 566,039.1 | | 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 | 91,239.2 | 186,514.5 | 164,417.0 | 37,388.0 | 64,138.4 | 44,245.0 | 409.9 | 5,480.9 | 2,139.9 | 595,972.9 | | Otros pasivos y provisiones | 268,850.0 | 317,364.1 | 280,245.2 | 92,316.5 | 152,859.2 | 58,477.9 | 18.3 | 18,503.1 | 9,141.3 | 1,197,775.6 | | Obligaciones subordinadas | 116,126.5 | 546,561.8 | 0.0 | 162,422.6 | 0.0 | 156,012.8 | 0.0 | 0.0 | 0.0 | 981,123.7 | | 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 | 2,809,926.6 | 2,320,117.1 | 2,898,136.5 | 983,361.4 | 783,970.4 | 292,192.4 | 73,328.2 | 160,324.3 | 101,724.1 | 10,423,080.8 | | 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 | -31,525.7 | 636.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -30,888.9 | | Reservas patrimoniales | 484,092.8 | 377,767.5 | 533,080.9 | 163,943.4 | 191,035.8 | 32,871.6 | 8,553.7 | 13,910.9 | 0.0 | 1,805,256.5 | | Resultados acumulados de ejercicios anteriores | 762,620.0 | 775,899.0 | 1,355,593.0 | 201,778.9 | 325,900.5 | -471,937.8 | 14,509.6 | -79,017.1 | -91.0 | 2,885,255.0 | | Resultados del Periodo | 42,713.8 | 53,575.7 | 53,825.8 | 17,639.2 | 22,034.1 | 1,975.0 | 265.0 | 1,615.5 | 1,815.1 | 195,459.0 | | Cuentas contingentes | 6,334,650.6 | 5,469,286.2 | 4,773,474.2 | 461,629.8 | 3,283,235.8 | 2,137.1 | 0.0 | 0.0 | 0.0 | 20,324,413.6 | | Cuentas de orden | 33,775,560.5 | 25,520,854.5 | 4,356,638.4 | 17,397,526.0 | 3,087,819.4 | 6,839,673.6 | 576.8 | 1,672,398.0 | 364,404.9 | 93,015,452.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2011 C$ 21.9734 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2012 C$ 23.0718 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
