| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINCA | Sistema Bancario y Financiero | | Activo | 37,987,036.3 | 30,300,057.2 | 23,900,415.5 | 10,922,599.4 | 4,993,924.9 | 2,944,028.5 | 74,030.1 | 588,030.8 | 195,527.8 | 111,905,650.5 | | Disponibilidades | 8,879,172.6 | 7,627,109.1 | 7,944,927.1 | 3,171,025.6 | 1,561,448.9 | 746,772.6 | 25,213.7 | 42,052.0 | 12,562.9 | 30,010,284.5 | | Moneda Nacional | 2,625,856.6 | 2,167,385.7 | 2,145,369.9 | 1,271,669.4 | 484,514.5 | 165,064.3 | 48.2 | 13,324.4 | 5,252.0 | 8,878,485.0 | | Caja | 725,958.1 | 623,203.5 | 800,476.7 | 113,945.1 | 66,094.9 | 69,822.5 | 0.0 | 4,051.5 | 4,399.6 | 2,407,951.8 | | Banco Central de Nicaragua | 612,683.0 | 282,515.7 | 347,903.9 | 593,247.7 | 307,842.4 | 4,804.2 | 0.0 | 209.0 | 0.0 | 2,149,205.9 | | Depositos e Instituciones Financieras del Pais | 2,739.1 | 0.0 | 0.0 | 162,079.8 | 1,870.9 | 1,176.2 | 48.2 | 9,063.9 | 852.4 | 177,830.5 | | Otras disponibilidades | 1,284,476.5 | 1,261,666.5 | 996,989.3 | 402,396.8 | 108,706.4 | 89,261.4 | 0.0 | 0.0 | 0.0 | 4,143,496.8 | | | | | | | | | | | | | | Moneda Extranjera | 6,253,316.0 | 5,459,723.4 | 5,799,557.2 | 1,899,356.2 | 1,076,934.3 | 581,708.3 | 25,165.5 | 28,727.6 | 7,310.9 | 21,131,799.5 | | Caja | 342,847.4 | 332,927.2 | 512,376.2 | 102,855.4 | 96,876.7 | 86,380.3 | 0.0 | 2,393.5 | 4,853.1 | 1,481,509.7 | | Banco Central de Nicaragua | 364,542.4 | 125,080.3 | 497,178.6 | 175,533.5 | 21,857.4 | 92,915.2 | 0.0 | 229.2 | 0.0 | 1,277,336.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 9,599.4 | 0.0 | 7,273.5 | 25,165.5 | 26,105.0 | 2,457.8 | 70,601.2 | | Depositos en Instituciones Financieras del exterior | 3,139,159.9 | 1,377,023.0 | 2,544,440.5 | 638,853.6 | 475,955.1 | 126,349.3 | 0.0 | 0.0 | 0.0 | 8,301,781.4 | | Otras disponibilidades | 2,406,766.3 | 3,624,692.9 | 2,245,561.9 | 972,514.3 | 482,245.2 | 268,790.1 | 0.0 | 0.0 | 0.0 | 10,000,570.6 | | | | | | | | | | | | | | Inversiones en valores, neto | 13,900,427.2 | 8,210,678.0 | 825,050.9 | 1,327,095.1 | 94,250.9 | 0.0 | 46,366.9 | 0.0 | 0.0 | 24,403,869.1 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,252,977.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,252,977.8 | | Inversiones Disponibles para la Venta | 957,525.3 | 4,805,115.1 | 825,050.9 | 126,177.6 | 94,250.9 | 0.0 | 0.0 | 0.0 | 0.0 | 6,808,119.8 | | Inversiones Mantenidas Hasta el Vencimiento | 10,689,924.1 | 3,405,562.9 | 0.0 | 1,200,917.5 | 0.0 | 0.0 | 46,366.9 | 0.0 | 0.0 | 15,342,771.4 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 45,804.6 | 0.0 | 0.0 | 33,894.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 79,699.4 | | | | | | | | | | | | | | Cartera de Creditos, neta | 14,255,019.5 | 13,519,591.4 | 14,532,589.1 | 6,162,351.6 | 3,210,678.1 | 1,803,672.0 | 553.1 | 492,001.7 | 170,568.4 | 54,147,025.0 | | Créditos vigentes | 13,412,643.3 | 12,994,548.4 | 14,385,749.2 | 5,919,882.9 | 3,043,270.2 | 1,669,824.2 | 562.0 | 487,678.7 | 168,256.9 | 52,082,415.9 | | Créditos prorrogados | 79,490.9 | 18,786.4 | 1,412.7 | 0.0 | 0.0 | 0.0 | 0.0 | 83.7 | 0.0 | 99,773.7 | | Créditos reestructurados | 609,081.5 | 465,326.3 | 149,973.0 | 231,306.4 | 203,717.3 | 166,016.6 | 0.0 | 17,540.3 | 0.0 | 1,842,961.5 | | Créditos vencidos | 81,771.0 | 43,011.1 | 58,616.3 | 33,725.7 | 57,381.6 | 13,392.3 | 0.0 | 8,398.3 | 210.4 | 296,506.8 | | Créditos en cobro judicial | 296,625.9 | 230,842.4 | 269,858.0 | 57,948.0 | 9,768.0 | 13,887.1 | 0.0 | 6,720.9 | 0.0 | 885,650.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 237,468.3 | 219,749.6 | 162,714.0 | 71,526.0 | 55,909.5 | 43,593.0 | 2.5 | 9,803.6 | 4,101.0 | 804,867.3 | | Provisiones por incobrabilidad de cartera de creditos | -462,061.4 | -452,672.9 | -495,734.0 | -152,037.6 | -159,368.5 | -103,041.2 | -11.3 | -38,223.8 | -1,999.9 | -1,865,150.4 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 82,111.1 | 175,974.9 | 68,787.6 | 25,663.4 | 10,329.0 | 10,393.6 | 192.9 | 2,751.2 | 2,609.6 | 378,813.4 | | Bienes de uso, neto | 606,176.6 | 246,470.0 | 411,271.3 | 75,503.2 | 87,681.1 | 291,442.8 | 0.0 | 9,367.2 | 2,681.3 | 1,730,593.5 | | Bienes recibidos en recuperacion de creditos, neto | 28,147.3 | 72,117.2 | 4,191.3 | 14,243.7 | 2,611.7 | 39,517.0 | 0.0 | 16,707.0 | 0.0 | 177,535.3 | | Invesiones permanentes en acciones | 61,009.7 | 296,175.1 | 47,385.7 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 408,836.2 | | Otros activos neto | 129,167.6 | 151,941.6 | 66,212.4 | 108,556.4 | 26,925.2 | 52,230.4 | 1,703.5 | 25,151.7 | 7,105.6 | 568,994.2 | | Pasivo | 35,236,112.6 | 27,926,707.7 | 20,947,289.4 | 9,921,741.0 | 4,188,912.2 | 2,650,509.3 | 497.6 | 426,216.7 | 93,695.6 | 101,391,682.0 | | Obligaciones con el Público | 31,771,332.5 | 23,606,163.0 | 19,318,273.2 | 8,588,898.9 | 3,998,101.6 | 2,361,112.7 | 0.0 | 0.0 | 0.0 | 89,643,881.9 | | Moneda Nacional | 10,962,378.9 | 6,589,938.9 | 5,398,451.5 | 2,242,293.7 | 897,000.5 | 519,307.0 | 0.0 | 0.0 | 0.0 | 26,609,370.6 | | Depositos a la Vista | 3,559,726.7 | 2,890,298.1 | 3,451,741.1 | 641,410.8 | 383,756.6 | 189,523.1 | 0.0 | 0.0 | 0.0 | 11,116,456.5 | | Depositos de Ahorro | 5,655,078.9 | 2,637,978.9 | 1,045,170.4 | 1,448,366.4 | 298,562.7 | 242,635.4 | 0.0 | 0.0 | 0.0 | 11,327,792.7 | | Depositos a Plazo | 1,747,573.3 | 1,061,661.9 | 901,540.1 | 152,516.5 | 214,681.2 | 87,148.5 | 0.0 | 0.0 | 0.0 | 4,165,121.4 | | 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 | 20,278,733.8 | 16,079,212.2 | 13,595,548.5 | 6,228,150.4 | 3,062,721.8 | 1,799,916.9 | 0.0 | 0.0 | 0.0 | 61,044,283.6 | | Depositos a la Vista | 4,447,283.5 | 3,699,735.8 | 4,299,859.3 | 476,851.5 | 672,833.5 | 158,104.1 | 0.0 | 0.0 | 0.0 | 13,754,667.8 | | Depositos de Ahorro | 11,263,027.6 | 9,419,319.4 | 5,916,491.1 | 3,594,822.4 | 1,665,473.5 | 872,596.8 | 0.0 | 0.0 | 0.0 | 32,731,730.8 | | Depositos a Plazo | 4,568,422.7 | 2,960,156.9 | 3,379,198.1 | 2,156,476.5 | 724,414.8 | 769,216.0 | 0.0 | 0.0 | 0.0 | 14,557,885.1 | | 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 | 450,101.9 | 890,495.5 | 270,925.3 | 71,991.6 | 24,873.6 | 28,084.0 | 0.0 | 0.0 | 0.0 | 1,736,471.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 80,117.9 | 46,516.4 | 53,347.9 | 46,463.2 | 13,505.8 | 13,804.8 | 0.0 | 0.0 | 0.0 | 253,756.0 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,769,883.1 | 3,122,803.9 | 1,173,674.6 | 944,667.6 | 0.0 | 134.2 | 0.0 | 401,481.5 | 78,856.6 | 8,491,501.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 166,305.2 | 263,998.0 | 135,883.6 | 126,092.7 | 0.0 | 0.0 | 0.0 | 165.9 | 0.0 | 692,445.4 | | Préstamos del Banco Centroaméricano de Integración Económica | 204,094.8 | 332,875.9 | 114,705.8 | 257,069.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 908,746.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 43,820.4 | 43,820.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,399,483.1 | 2,525,930.1 | 923,085.2 | 561,505.1 | 0.0 | 134.2 | 0.0 | 401,315.5 | 35,036.2 | 6,846,489.4 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 207,925.3 | 123,284.4 | 0.0 | 90,801.9 | 0.0 | 51,852.7 | 0.0 | 0.0 | 0.0 | 473,864.3 | | 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 | 107,463.1 | 210,087.5 | 170,653.6 | 33,273.4 | 57,303.8 | 20,338.4 | 479.3 | 4,946.5 | 4,938.4 | 609,484.0 | | Otros pasivos y provisiones | 262,466.6 | 313,335.4 | 284,688.0 | 100,394.0 | 133,506.8 | 59,009.2 | 18.4 | 19,788.7 | 9,900.6 | 1,183,107.5 | | Obligaciones subordinadas | 117,042.0 | 551,033.4 | 0.0 | 163,705.2 | 0.0 | 158,062.2 | 0.0 | 0.0 | 0.0 | 989,842.8 | | 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 | 2,750,923.7 | 2,373,349.5 | 2,953,126.1 | 1,000,858.4 | 805,012.7 | 293,519.1 | 73,532.5 | 161,814.2 | 101,832.2 | 10,513,968.5 | | 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 | -38.4 | -24,658.7 | -642.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -25,339.5 | | 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 | 662,262.0 | 775,899.0 | 1,355,593.0 | 201,778.9 | 325,900.5 | -471,937.8 | 14,509.6 | -79,017.1 | -91.0 | 2,784,897.0 | | Resultados del Periodo | 84,107.4 | 99,941.2 | 110,094.6 | 35,136.2 | 43,076.4 | 3,301.8 | 469.2 | 3,105.3 | 1,923.2 | 381,155.3 | | Cuentas contingentes | 6,704,605.4 | 5,321,462.6 | 4,676,362.3 | 474,331.5 | 3,295,490.4 | 2,144.8 | 0.0 | 0.0 | 0.0 | 20,474,397.0 | | Cuentas de orden | 34,113,098.0 | 26,073,458.3 | 4,397,439.1 | 17,598,092.3 | 3,108,578.8 | 6,901,778.3 | 579.0 | 1,674,091.8 | 381,704.2 | 94,248,819.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2011 C$ 22.0558 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 29 DE FEBRERO DE 2012 C$ 23.1612 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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