| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FINARCA | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 38,777,530.2 | 30,961,472.4 | 25,235,803.1 | 11,331,660.1 | 5,032,107.0 | 2,977,804.9 | 73,941.1 | 622,501.7 | 208,039.1 | 115,220,859.6 | | Disponibilidades | 9,720,190.1 | 8,760,836.8 | 8,830,766.9 | 3,314,051.5 | 1,332,438.3 | 764,655.3 | 25,208.4 | 68,539.6 | 9,605.5 | 32,826,292.4 | | Moneda Nacional | 2,785,076.8 | 1,693,460.9 | 2,131,195.0 | 1,554,487.6 | 211,381.4 | 174,090.7 | 32.7 | 9,176.7 | 3,954.0 | 8,562,855.8 | | Caja | 548,504.4 | 347,086.1 | 761,727.4 | 87,080.3 | 46,070.9 | 55,440.8 | 0.0 | 4,739.2 | 3,470.5 | 1,854,119.5 | | Banco Central de Nicaragua | 732,585.8 | 0.0 | 273,526.3 | 867,088.4 | 27,634.4 | 20,430.8 | 0.0 | 209.0 | 0.0 | 1,921,474.7 | | Depositos e Instituciones Financieras del Pais | 6,253.7 | 0.0 | 0.0 | 162,286.3 | 7,411.5 | 1,218.4 | 32.7 | 4,228.5 | 483.5 | 181,914.6 | | Otras disponibilidades | 1,497,732.9 | 1,346,374.8 | 1,095,941.3 | 438,032.6 | 130,264.6 | 97,000.7 | 0.0 | 0.0 | 0.0 | 4,605,346.8 | | | | | | | | | | | | | | Moneda Extranjera | 6,935,113.4 | 7,067,375.9 | 6,699,571.9 | 1,759,563.9 | 1,121,056.9 | 590,564.7 | 25,175.7 | 59,362.8 | 5,651.5 | 24,263,436.6 | | Caja | 308,235.3 | 462,550.9 | 566,961.6 | 155,392.6 | 86,502.2 | 73,740.1 | 0.0 | 1,777.7 | 4,761.4 | 1,659,921.8 | | Banco Central de Nicaragua | 1,814,467.3 | 1,816,492.3 | 1,032,099.7 | 91,720.6 | 129,375.0 | 101,812.7 | 0.0 | 230.1 | 0.0 | 4,986,197.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 9,968.6 | 0.0 | 10,292.8 | 25,175.7 | 57,355.0 | 890.1 | 103,682.1 | | Depositos en Instituciones Financieras del exterior | 2,324,655.4 | 1,221,853.1 | 2,820,511.4 | 496,473.2 | 501,203.0 | 124,283.8 | 0.0 | 0.0 | 0.0 | 7,488,979.9 | | Otras disponibilidades | 2,487,755.4 | 3,566,479.6 | 2,279,999.2 | 1,006,009.0 | 403,976.7 | 280,435.3 | 0.0 | 0.0 | 0.0 | 10,024,655.2 | | | | | | | | | | | | | | Inversiones en valores, neto | 13,262,171.7 | 7,792,043.2 | 1,080,787.6 | 1,350,647.8 | 325,236.6 | 0.0 | 46,560.6 | 0.0 | 0.0 | 23,857,447.5 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,240,115.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,240,115.4 | | Inversiones Disponibles para la Venta | 714,958.0 | 4,857,396.8 | 1,080,787.6 | 126,724.8 | 325,236.6 | 0.0 | 0.0 | 0.0 | 0.0 | 7,105,103.8 | | Inversiones Mantenidas Hasta el Vencimiento | 10,307,098.3 | 2,934,646.4 | 0.0 | 1,223,923.0 | 0.0 | 0.0 | 46,560.6 | 0.0 | 0.0 | 14,512,228.3 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 41,598.1 | 0.0 | 0.0 | 34,121.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75,719.3 | | | | | | | | | | | | | | Cartera de Creditos, neta | 14,787,530.8 | 13,442,879.3 | 14,720,369.5 | 6,402,365.2 | 3,241,805.0 | 1,822,625.6 | 527.3 | 500,858.4 | 185,156.0 | 55,104,117.0 | | Créditos vigentes | 13,983,733.9 | 12,926,024.8 | 14,609,474.2 | 6,160,452.1 | 3,086,284.6 | 1,695,237.2 | 534.7 | 497,042.3 | 182,973.4 | 53,141,757.2 | | Créditos prorrogados | 85,991.1 | 10,306.0 | 1,102.5 | 0.0 | 0.0 | 0.0 | 0.0 | 71.0 | 0.0 | 97,470.6 | | Créditos reestructurados | 564,024.6 | 470,939.9 | 145,393.3 | 233,086.8 | 208,811.7 | 161,796.2 | 0.0 | 16,336.8 | 0.0 | 1,800,389.4 | | Créditos vencidos | 78,186.4 | 42,359.3 | 60,120.1 | 30,836.9 | 46,231.6 | 12,789.7 | 0.0 | 7,793.1 | 258.8 | 278,576.0 | | Créditos en cobro judicial | 323,841.6 | 169,429.8 | 270,649.4 | 56,245.6 | 9,061.8 | 13,202.8 | 0.0 | 6,545.3 | 0.0 | 848,976.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 222,870.6 | 211,777.5 | 141,447.0 | 73,446.6 | 50,720.9 | 41,565.7 | 3.4 | 10,639.5 | 4,212.7 | 756,684.1 | | Provisiones por incobrabilidad de cartera de creditos | -471,117.5 | -387,958.1 | -507,817.1 | -151,702.9 | -159,305.6 | -101,965.9 | -10.8 | -37,569.6 | -2,288.9 | -1,819,736.4 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 152,506.4 | 175,254.5 | 63,882.8 | 25,073.2 | 16,921.9 | 10,746.2 | 198.7 | 2,701.5 | 3,350.9 | 450,636.0 | | Bienes de uso, neto | 604,581.1 | 246,777.9 | 413,664.4 | 76,449.4 | 86,059.4 | 289,349.0 | 0.0 | 9,382.3 | 2,641.4 | 1,728,905.1 | | Bienes recibidos en recuperacion de creditos, neto | 30,908.4 | 67,105.0 | 4,314.0 | 14,131.9 | 2,611.7 | 37,838.3 | 0.0 | 15,988.7 | 0.0 | 172,898.1 | | Invesiones permanentes en acciones | 61,017.1 | 296,175.1 | 47,090.8 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 408,548.7 | | Otros activos neto | 117,026.5 | 180,400.6 | 74,927.1 | 110,554.2 | 27,034.1 | 52,590.4 | 1,446.1 | 25,031.3 | 7,285.3 | 596,295.6 | | Pasivo | 35,979,311.9 | 28,528,406.1 | 22,231,874.8 | 10,312,080.8 | 4,210,793.5 | 2,682,571.3 | 216.4 | 459,975.2 | 105,687.4 | 104,510,917.3 | | Obligaciones con el Público | 32,705,907.4 | 24,331,573.9 | 20,621,639.7 | 9,067,840.0 | 3,995,725.5 | 2,388,377.1 | 0.0 | 0.0 | 0.0 | 93,111,063.7 | | Moneda Nacional | 10,481,292.4 | 6,683,714.2 | 5,779,896.8 | 2,593,010.9 | 907,037.5 | 510,792.9 | 0.0 | 0.0 | 0.0 | 26,955,744.8 | | Depositos a la Vista | 3,823,438.2 | 3,041,672.1 | 3,614,282.2 | 862,140.3 | 424,044.7 | 187,951.0 | 0.0 | 0.0 | 0.0 | 11,953,528.4 | | Depositos de Ahorro | 5,024,000.2 | 2,568,042.0 | 1,260,550.5 | 1,575,589.7 | 310,636.9 | 234,992.9 | 0.0 | 0.0 | 0.0 | 10,973,812.2 | | Depositos a Plazo | 1,633,854.0 | 1,074,000.2 | 905,064.1 | 155,280.9 | 172,355.9 | 87,849.1 | 0.0 | 0.0 | 0.0 | 4,028,404.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Moneda Extranjera | 21,214,444.5 | 16,315,765.5 | 14,457,136.8 | 6,326,342.9 | 3,023,664.3 | 1,824,096.9 | 0.0 | 0.0 | 0.0 | 63,161,450.9 | | Depositos a la Vista | 4,672,395.8 | 3,662,042.2 | 4,578,691.0 | 458,943.9 | 633,820.0 | 169,053.5 | 0.0 | 0.0 | 0.0 | 14,174,946.4 | | Depositos de Ahorro | 11,984,657.2 | 9,623,113.9 | 6,523,768.3 | 3,692,433.8 | 1,660,418.1 | 882,756.9 | 0.0 | 0.0 | 0.0 | 34,367,148.2 | | Depositos a Plazo | 4,557,391.6 | 3,030,609.5 | 3,354,677.4 | 2,174,965.1 | 729,426.1 | 772,286.5 | 0.0 | 0.0 | 0.0 | 14,619,356.3 | | 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 | 931,386.6 | 1,283,529.2 | 334,435.1 | 102,006.5 | 51,060.8 | 38,393.7 | 0.0 | 0.0 | 0.0 | 2,740,812.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 78,783.8 | 48,565.0 | 50,171.1 | 46,479.8 | 13,962.9 | 15,093.5 | 0.0 | 0.0 | 0.0 | 253,056.0 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,559,312.4 | 2,967,931.1 | 1,141,314.4 | 857,285.2 | 0.0 | 0.0 | 0.0 | 434,374.1 | 89,870.8 | 8,050,088.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 164,474.0 | 257,919.8 | 133,843.0 | 124,213.1 | 0.0 | 0.0 | 0.0 | 148.6 | 0.0 | 680,598.5 | | Préstamos del Banco Centroaméricano de Integración Económica | 192,929.3 | 325,966.1 | 113,843.5 | 250,513.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 883,252.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 57,956.1 | 57,956.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,201,909.1 | 2,384,045.3 | 893,627.9 | 482,558.6 | 0.0 | 0.0 | 0.0 | 434,225.5 | 31,914.7 | 6,428,281.1 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 245,733.3 | 124,014.6 | 0.0 | 78,906.8 | 0.0 | 52,159.2 | 0.0 | 0.0 | 0.0 | 500,813.9 | | 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 | 89,503.1 | 220,002.3 | 171,990.9 | 28,899.3 | 49,650.4 | 20,404.2 | 216.4 | 5,120.9 | 5,109.8 | 590,897.2 | | Otros pasivos y provisiones | 268,143.6 | 351,582.7 | 296,929.7 | 116,127.9 | 165,417.6 | 61,363.2 | 0.0 | 20,480.3 | 10,706.8 | 1,290,751.9 | | Obligaciones subordinadas | 110,712.1 | 533,301.5 | 0.0 | 163,021.6 | 0.0 | 160,267.5 | 0.0 | 0.0 | 0.0 | 967,302.6 | | 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 | 2,798,218.3 | 2,433,066.3 | 3,003,928.4 | 1,019,579.3 | 821,313.5 | 295,233.6 | 73,724.8 | 162,526.5 | 102,351.7 | 10,709,942.3 | | Capital social pagado | 1,320,500.0 | 1,144,400.0 | 1,310,000.0 | 600,000.0 | 245,000.0 | 729,283.4 | 50,000.0 | 223,815.0 | 100,000.0 | 5,722,998.4 | | 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 | -186.0 | -12,063.4 | 112.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -12,136.9 | | 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 | 662,269.3 | 775,899.0 | 1,000,593.0 | 201,778.9 | 325,900.5 | -471,937.8 | 14,509.6 | -79,017.1 | -91.0 | 2,429,904.3 | | Resultados del Periodo | 131,542.1 | 147,062.6 | 160,141.9 | 53,857.1 | 59,377.2 | 5,016.2 | 661.5 | 3,817.7 | 2,442.7 | 563,919.1 | | Cuentas contingentes | 6,727,001.0 | 6,144,645.2 | 4,502,366.7 | 493,682.0 | 4,407,222.3 | 2,136.7 | 0.0 | 0.0 | 0.0 | 22,277,054.0 | | Cuentas de orden | 34,913,408.0 | 25,977,725.8 | 4,716,124.9 | 18,550,693.4 | 3,130,913.8 | 7,009,453.1 | 581.4 | 1,654,666.6 | 401,977.1 | 96,355,544.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2011 C$ 22.1474 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2012 C$ 23.2571 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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