| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 38,028,624.9 | 30,054,667.2 | 24,808,194.6 | 10,965,675.3 | 4,951,492.4 | 2,900,748.0 | 615,679.0 | 244,711.0 | 112,569,792.4 | | Disponibilidades | 8,873,293.6 | 7,323,249.4 | 7,552,391.2 | 2,770,604.8 | 1,148,579.6 | 680,939.2 | 44,784.7 | 21,660.7 | 28,415,503.2 | | Moneda Nacional | 2,704,675.8 | 2,346,820.6 | 1,828,456.8 | 1,121,720.1 | 203,347.6 | 169,073.4 | 7,023.9 | 6,517.7 | 8,387,635.9 | | Caja | 874,223.2 | 679,093.2 | 821,695.7 | 151,801.6 | 57,898.0 | 77,309.5 | 4,893.3 | 4,713.9 | 2,671,628.3 | | Banco Central de Nicaragua | 583,825.3 | 486,209.6 | 52,306.5 | 386,068.9 | 27,506.6 | 19,279.2 | 208.8 | 0.0 | 1,555,404.9 | | Depositos e Instituciones Financieras del Pais | 19,946.4 | 0.0 | 0.0 | 162,693.4 | 2,565.9 | 1,127.8 | 1,921.9 | 1,803.8 | 190,059.2 | | Otras disponibilidades | 1,226,680.9 | 1,181,517.8 | 954,454.6 | 421,156.2 | 115,377.1 | 71,356.9 | 0.0 | 0.0 | 3,970,543.5 | | | | | | | | | | | | | Moneda Extranjera | 6,168,617.8 | 4,976,428.8 | 5,723,934.4 | 1,648,884.7 | 945,232.0 | 511,865.8 | 37,760.8 | 15,143.0 | 20,027,867.3 | | Caja | 455,618.6 | 295,122.3 | 645,548.2 | 124,391.4 | 79,002.9 | 76,364.8 | 2,058.9 | 5,735.4 | 1,683,842.5 | | Banco Central de Nicaragua | 789,052.5 | 44,765.2 | 824,172.5 | 145,975.5 | 218,642.0 | 31,099.5 | 232.0 | 0.0 | 2,053,939.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 10,779.7 | 0.0 | 7,486.8 | 35,469.9 | 9,407.6 | 63,144.0 | | Depositos en Instituciones Financieras del exterior | 1,730,111.3 | 1,186,860.7 | 1,946,340.5 | 382,496.7 | 263,214.6 | 115,523.5 | 0.0 | 0.0 | 5,624,547.2 | | Otras disponibilidades | 3,193,835.5 | 3,449,680.7 | 2,307,873.2 | 985,241.3 | 384,372.5 | 281,391.2 | 0.0 | 0.0 | 10,602,394.4 | | | | | | | | | | | | | Inversiones en valores, neto | 12,979,833.9 | 8,242,042.3 | 1,307,488.8 | 1,261,182.3 | 234,311.6 | 0.0 | 0.0 | 0.0 | 24,024,858.9 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,291,546.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,291,546.7 | | Inversiones Disponibles para la Venta | 721,604.6 | 5,206,424.4 | 1,307,488.8 | 10,535.6 | 234,311.6 | 0.0 | 0.0 | 0.0 | 7,480,365.0 | | Inversiones Mantenidas Hasta el Vencimiento | 9,966,682.7 | 3,035,617.8 | 0.0 | 1,250,646.7 | 0.0 | 0.0 | 0.0 | 0.0 | 14,252,947.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 37,547.9 | 0.0 | 0.0 | 28,473.0 | 0.0 | 0.0 | 0.0 | 0.0 | 66,020.9 | | | | | | | | | | | | | Cartera de Creditos, neta | 15,203,168.2 | 13,394,112.4 | 15,304,621.4 | 6,672,593.7 | 3,446,093.8 | 1,838,781.0 | 519,373.8 | 210,563.1 | 56,589,307.4 | | Créditos vigentes | 14,544,606.9 | 12,910,305.7 | 15,201,924.4 | 6,428,182.1 | 3,304,608.3 | 1,729,922.5 | 516,363.6 | 208,013.4 | 54,843,927.0 | | Créditos prorrogados | 1,667.3 | 7,101.8 | 1,111.5 | 0.0 | 0.0 | 0.0 | 56.1 | 0.0 | 9,936.7 | | Créditos reestructurados | 545,306.8 | 445,552.8 | 137,928.4 | 222,280.5 | 196,634.0 | 146,553.1 | 15,536.1 | 0.0 | 1,709,791.9 | | Créditos vencidos | 52,158.8 | 43,954.2 | 71,719.0 | 48,370.2 | 54,210.1 | 12,317.8 | 7,130.5 | 538.2 | 290,398.8 | | Créditos en cobro judicial | 317,975.2 | 168,507.5 | 268,353.0 | 55,611.3 | 7,025.1 | 14,082.4 | 6,153.7 | 0.0 | 837,708.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 224,197.7 | 210,364.8 | 154,767.3 | 73,967.8 | 42,875.6 | 37,218.5 | 10,896.4 | 5,192.8 | 759,480.8 | | Provisiones por incobrabilidad de cartera de creditos | -482,744.4 | -391,674.5 | -531,182.3 | -155,818.3 | -159,259.3 | -101,313.3 | -36,762.5 | -3,181.3 | -1,861,935.8 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 103,926.6 | 172,306.9 | 62,710.5 | 25,039.7 | 10,146.9 | 10,739.4 | 2,826.2 | 2,877.6 | 390,573.8 | | Bienes de uso, neto | 622,453.3 | 236,132.9 | 416,250.0 | 83,766.5 | 89,064.7 | 284,321.0 | 10,425.6 | 2,680.6 | 1,745,094.7 | | Bienes recibidos en recuperacion de creditos, neto | 31,948.3 | 64,406.7 | 6,101.7 | 13,437.3 | 2,484.1 | 36,399.8 | 14,710.3 | 0.0 | 169,488.1 | | Invesiones permanentes en acciones | 61,017.1 | 391,253.4 | 47,831.6 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 504,367.7 | | Otros activos neto | 115,436.0 | 231,163.2 | 110,799.5 | 106,312.3 | 20,811.7 | 49,567.6 | 23,558.4 | 6,929.0 | 664,577.6 | | Pasivo | 35,131,873.9 | 27,439,303.8 | 21,832,363.0 | 9,972,798.4 | 4,157,870.9 | 2,607,570.3 | 450,774.5 | 141,567.2 | 101,734,122.0 | | Obligaciones con el Público | 31,526,023.2 | 22,719,617.1 | 20,185,853.7 | 8,606,887.9 | 3,957,417.1 | 2,349,635.6 | 0.0 | 0.0 | 89,345,434.7 | | Moneda Nacional | 9,478,302.8 | 6,252,054.6 | 5,228,853.4 | 2,096,424.5 | 887,089.8 | 435,745.3 | 0.0 | 0.0 | 24,378,470.3 | | Depositos a la Vista | 3,271,564.1 | 2,912,219.3 | 3,081,244.7 | 713,083.9 | 421,067.8 | 184,506.5 | 0.0 | 0.0 | 10,583,686.2 | | Depositos de Ahorro | 4,478,718.9 | 2,497,071.4 | 1,239,539.3 | 1,221,875.0 | 292,385.2 | 226,388.4 | 0.0 | 0.0 | 9,955,978.2 | | Depositos a Plazo | 1,728,019.7 | 842,763.9 | 908,069.5 | 161,465.5 | 173,636.9 | 24,850.4 | 0.0 | 0.0 | 3,838,805.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 20,900,673.7 | 15,500,714.5 | 14,755,719.6 | 6,325,294.6 | 3,036,452.9 | 1,871,960.0 | 0.0 | 0.0 | 62,390,815.4 | | Depositos a la Vista | 5,108,810.9 | 4,200,769.4 | 4,786,333.4 | 414,664.4 | 611,559.9 | 175,413.4 | 0.0 | 0.0 | 15,297,551.5 | | Depositos de Ahorro | 11,122,623.1 | 8,131,986.9 | 6,665,672.5 | 3,695,360.9 | 1,671,061.1 | 893,797.7 | 0.0 | 0.0 | 32,180,502.2 | | Depositos a Plazo | 4,669,239.7 | 3,167,958.1 | 3,303,713.7 | 2,215,269.3 | 753,832.0 | 802,748.9 | 0.0 | 0.0 | 14,912,761.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 1,067,845.2 | 915,096.4 | 149,027.9 | 132,128.5 | 18,346.5 | 27,233.0 | 0.0 | 0.0 | 2,309,677.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 79,201.5 | 51,751.6 | 52,252.8 | 53,040.3 | 15,527.9 | 14,697.4 | 0.0 | 0.0 | 266,471.5 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,877,575.2 | 3,437,303.8 | 1,095,315.8 | 948,299.6 | 0.0 | 0.0 | 422,099.2 | 126,214.6 | 8,906,808.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 154,956.3 | 246,859.1 | 83,708.3 | 121,182.1 | 0.0 | 0.0 | 113.5 | 0.0 | 606,819.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 183,487.6 | 311,727.9 | 106,039.1 | 238,095.9 | 0.0 | 0.0 | 0.0 | 0.0 | 839,350.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 93,526.2 | 93,526.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,539,131.3 | 2,878,716.7 | 905,568.4 | 589,021.6 | 0.0 | 0.0 | 421,985.8 | 32,688.3 | 7,367,112.2 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 250,770.5 | 125,201.6 | 0.0 | 113,525.7 | 0.0 | 16,017.3 | 0.0 | 0.0 | 505,515.1 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras cuentas por pagar | 79,931.5 | 257,714.4 | 228,931.1 | 35,078.6 | 50,139.6 | 19,292.2 | 6,274.3 | 3,473.8 | 680,835.6 | | Otros pasivos y provisiones | 285,016.5 | 362,061.7 | 322,262.3 | 103,289.5 | 150,314.2 | 63,700.8 | 22,400.9 | 11,878.9 | 1,320,924.7 | | Obligaciones subordinadas | 112,557.0 | 537,405.2 | 0.0 | 165,717.1 | 0.0 | 158,924.5 | 0.0 | 0.0 | 974,603.7 | | Impuestos diferidos | 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 | | Patrimonio | 2,896,751.0 | 2,615,363.4 | 2,975,831.6 | 992,876.9 | 793,621.4 | 293,177.7 | 164,904.5 | 103,143.9 | 10,835,670.4 | | Capital social pagado | 1,520,500.0 | 1,144,400.0 | 1,310,000.0 | 600,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 5,897,998.4 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Aportes patrimoniales no capitalizables | 122,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 122,000.8 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | -6.7 | -10,762.1 | -6,076.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -16,845.4 | | Reservas patrimoniales | 484,092.8 | 448,124.2 | 533,080.9 | 163,943.4 | 191,035.8 | 32,871.6 | 13,966.0 | 0.0 | 1,867,114.7 | | Resultados acumulados de ejercicios anteriores | 540,269.3 | 795,679.1 | 871,754.9 | 143,636.1 | 248,187.1 | -473,147.7 | -79,072.2 | -91.0 | 2,047,215.7 | | Resultados del Periodo | 229,895.6 | 237,921.6 | 267,072.4 | 85,297.5 | 84,398.6 | 4,170.1 | 6,195.7 | 3,234.9 | 918,186.3 | | Cuentas contingentes | 7,880,040.1 | 5,252,169.3 | 5,067,048.7 | 489,418.3 | 4,382,031.9 | 2,153.1 | 0.0 | 0.0 | 23,072,861.4 | | Cuentas de orden | 35,733,344.8 | 25,775,308.9 | 4,506,312.4 | 20,409,953.7 | 3,171,836.7 | 7,156,772.2 | 1,619,059.1 | 433,280.5 | 98,805,868.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2011 C$ 22.3287 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2012 C$ 23.4470 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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