| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 38,865,498.5 | 30,676,948.0 | 24,491,312.8 | 11,038,193.4 | 4,964,806.3 | 2,950,929.6 | 639,223.4 | 275,352.2 | 113,902,264.2 | | Disponibilidades | 9,491,430.2 | 7,299,753.9 | 7,024,145.5 | 2,817,415.8 | 1,093,266.2 | 696,751.6 | 60,098.3 | 42,000.1 | 28,524,861.7 | | Moneda Nacional | 2,896,373.4 | 2,928,534.6 | 1,650,457.0 | 1,129,112.2 | 259,855.9 | 166,680.3 | 8,425.8 | 9,436.2 | 9,048,875.4 | | Caja | 710,920.3 | 473,575.9 | 683,486.6 | 126,812.1 | 70,652.8 | 74,531.5 | 4,160.2 | 5,641.6 | 2,149,781.0 | | Banco Central de Nicaragua | 748,083.7 | 1,143,000.7 | 22,526.5 | 466,707.5 | 76,818.2 | 15,398.7 | 208.7 | 0.0 | 2,472,743.9 | | Depositos e Instituciones Financieras del Pais | 4,508.9 | 0.0 | 0.0 | 162,894.0 | 5,677.6 | 1,305.8 | 4,056.9 | 3,794.6 | 182,237.8 | | Otras disponibilidades | 1,432,860.5 | 1,311,957.9 | 944,443.9 | 372,698.7 | 106,707.4 | 75,444.4 | 0.0 | 0.0 | 4,244,112.7 | | | | | | | | | | | | | Moneda Extranjera | 6,595,056.8 | 4,371,219.3 | 5,373,688.5 | 1,688,303.7 | 833,410.4 | 530,071.3 | 51,672.5 | 32,563.9 | 19,475,986.4 | | Caja | 409,467.5 | 311,048.5 | 537,962.3 | 124,741.2 | 91,998.2 | 63,438.1 | 1,965.4 | 4,569.3 | 1,545,190.7 | | Banco Central de Nicaragua | 798,696.8 | 15,690.9 | 1,128,948.2 | 0.0 | 128,590.4 | 40,367.7 | 232.9 | 0.0 | 2,112,526.9 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 10,841.3 | 0.0 | 8,163.3 | 49,474.1 | 27,994.5 | 96,473.3 | | Depositos en Instituciones Financieras del exterior | 2,109,417.2 | 567,863.2 | 1,830,490.5 | 529,012.6 | 232,410.9 | 132,533.4 | 0.0 | 0.0 | 5,401,727.9 | | Otras disponibilidades | 3,277,475.3 | 3,476,616.7 | 1,876,287.5 | 1,023,708.4 | 380,410.8 | 285,568.8 | 0.0 | 0.0 | 10,320,067.6 | | | | | | | | | | | | | Inversiones en valores, neto | 12,808,277.6 | 8,373,851.3 | 1,321,106.2 | 1,272,194.2 | 282,382.9 | 0.0 | 0.0 | 0.0 | 24,057,812.2 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,370,012.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,370,012.4 | | Inversiones Disponibles para la Venta | 724,903.7 | 5,178,336.9 | 1,321,106.2 | 10,577.8 | 282,382.9 | 0.0 | 0.0 | 0.0 | 7,517,307.6 | | Inversiones Mantenidas Hasta el Vencimiento | 9,713,361.4 | 3,195,514.4 | 0.0 | 1,261,616.4 | 0.0 | 0.0 | 0.0 | 0.0 | 14,170,492.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 37,752.1 | 0.0 | 11,223.3 | 28,659.3 | 0.0 | 0.0 | 0.0 | 0.0 | 77,634.7 | | | | | | | | | | | | | Cartera de Creditos, neta | 15,587,380.2 | 13,909,954.3 | 15,462,366.4 | 6,691,147.5 | 3,469,179.4 | 1,880,150.2 | 527,560.8 | 221,447.5 | 57,749,186.3 | | Créditos vigentes | 14,980,114.1 | 13,420,590.4 | 15,346,789.7 | 6,463,789.1 | 3,324,347.7 | 1,777,717.5 | 525,300.1 | 219,079.1 | 56,057,727.6 | | Créditos prorrogados | 1,674.0 | 11,039.4 | 0.0 | 0.0 | 0.0 | 0.0 | 47.4 | 0.0 | 12,760.8 | | Créditos reestructurados | 541,392.0 | 435,492.1 | 135,393.4 | 216,619.0 | 190,964.6 | 141,138.9 | 15,198.6 | 0.0 | 1,676,198.7 | | Créditos vencidos | 56,734.3 | 36,014.5 | 93,511.4 | 44,873.5 | 63,067.9 | 13,351.7 | 6,595.4 | 804.1 | 314,952.7 | | Créditos en cobro judicial | 317,350.3 | 187,010.8 | 268,650.8 | 56,847.5 | 7,029.5 | 10,561.7 | 5,833.9 | 0.0 | 853,284.5 | | Intereses y Comisiones por Cobrar sobre Creditos | 193,731.8 | 211,055.5 | 155,687.8 | 68,889.4 | 42,771.2 | 36,159.4 | 10,818.2 | 5,503.8 | 724,617.0 | | Provisiones por incobrabilidad de cartera de creditos | -503,616.3 | -391,248.3 | -537,666.7 | -159,871.0 | -159,001.4 | -98,778.9 | -36,232.8 | -3,939.4 | -1,890,354.9 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 108,550.0 | 172,441.5 | 61,327.4 | 24,090.6 | 5,634.4 | 11,356.5 | 3,176.9 | 1,909.9 | 388,487.2 | | Bienes de uso, neto | 635,486.0 | 237,568.0 | 419,678.4 | 83,575.4 | 87,335.4 | 286,322.9 | 10,596.8 | 2,777.3 | 1,763,340.1 | | Bienes recibidos en recuperacion de creditos, neto | 29,044.6 | 62,818.9 | 5,152.4 | 13,185.6 | 2,484.1 | 32,035.4 | 14,472.7 | 0.0 | 159,193.7 | | Invesiones permanentes en acciones | 61,017.1 | 391,253.4 | 47,720.5 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 504,256.6 | | Otros activos neto | 106,560.7 | 229,306.8 | 138,592.6 | 103,659.3 | 24,524.0 | 44,312.9 | 23,317.9 | 7,217.3 | 677,491.6 | | Pasivo | 35,920,542.7 | 28,013,255.0 | 21,464,447.4 | 10,026,903.2 | 4,157,821.7 | 2,662,101.9 | 472,872.0 | 171,987.0 | 102,889,930.8 | | Obligaciones con el Público | 32,300,284.9 | 23,531,627.9 | 19,124,598.2 | 8,589,665.1 | 3,880,583.8 | 2,396,767.2 | 0.0 | 0.0 | 89,823,527.2 | | Moneda Nacional | 9,320,570.8 | 6,657,383.3 | 5,263,006.2 | 2,149,996.2 | 837,145.6 | 430,419.9 | 0.0 | 0.0 | 24,658,521.9 | | Depositos a la Vista | 3,473,894.3 | 3,035,553.9 | 3,108,419.2 | 743,025.1 | 539,145.1 | 184,400.0 | 0.0 | 0.0 | 11,084,437.6 | | Depositos de Ahorro | 4,324,573.3 | 2,472,526.0 | 1,268,540.7 | 1,244,711.4 | 234,293.0 | 220,215.8 | 0.0 | 0.0 | 9,764,860.1 | | Depositos a Plazo | 1,522,103.2 | 1,149,303.4 | 886,046.3 | 162,259.7 | 63,707.4 | 25,804.2 | 0.0 | 0.0 | 3,809,224.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 21,846,978.5 | 15,799,234.3 | 13,644,942.2 | 6,311,981.5 | 3,001,661.0 | 1,907,819.6 | 0.0 | 0.0 | 62,512,617.2 | | Depositos a la Vista | 5,627,833.4 | 4,939,047.0 | 4,371,809.3 | 436,969.0 | 564,335.8 | 181,403.2 | 0.0 | 0.0 | 16,121,397.6 | | Depositos de Ahorro | 11,518,200.2 | 7,644,779.4 | 6,039,716.2 | 3,696,247.7 | 1,684,605.0 | 885,540.6 | 0.0 | 0.0 | 31,469,089.1 | | Depositos a Plazo | 4,700,944.9 | 3,215,408.0 | 3,233,416.8 | 2,178,764.8 | 752,720.2 | 840,875.8 | 0.0 | 0.0 | 14,922,130.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 1,052,202.7 | 1,021,017.3 | 165,559.9 | 73,196.4 | 29,690.4 | 44,687.3 | 0.0 | 0.0 | 2,386,353.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 80,532.9 | 53,993.0 | 51,090.0 | 54,491.0 | 12,086.9 | 13,840.4 | 0.0 | 0.0 | 266,034.2 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,803,362.2 | 3,172,101.5 | 1,763,445.8 | 1,045,348.6 | 58,861.7 | 0.0 | 443,170.4 | 157,424.9 | 9,443,715.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 151,189.6 | 232,316.6 | 82,951.3 | 120,043.5 | 0.0 | 0.0 | 95.7 | 0.0 | 586,596.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 172,065.2 | 309,393.2 | 106,463.7 | 231,335.6 | 58,852.3 | 0.0 | 0.0 | 0.0 | 878,110.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 124,503.9 | 124,503.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,480,107.4 | 2,630,391.7 | 1,574,030.8 | 693,969.5 | 9.4 | 0.0 | 443,074.8 | 32,921.0 | 7,854,504.5 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 338,129.1 | 125,816.6 | 0.0 | 89,627.9 | 0.0 | 16,158.0 | 0.0 | 0.0 | 569,731.6 | | 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 | 85,361.9 | 285,232.9 | 242,198.5 | 29,527.9 | 48,393.9 | 24,930.5 | 5,672.7 | 2,092.2 | 723,410.6 | | Otros pasivos y provisiones | 287,239.8 | 365,547.8 | 334,204.9 | 107,745.5 | 169,982.3 | 63,166.1 | 24,028.8 | 12,469.8 | 1,364,385.0 | | Obligaciones subordinadas | 106,164.7 | 532,928.3 | 0.0 | 164,988.1 | 0.0 | 161,080.1 | 0.0 | 0.0 | 965,161.3 | | 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 | 2,944,955.8 | 2,663,693.0 | 3,026,865.4 | 1,011,290.2 | 806,984.6 | 288,827.8 | 166,351.5 | 103,365.2 | 11,012,333.3 | | 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 | -12,995.2 | -1,495.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -14,497.5 | | 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 | 860,031.4 | 143,636.1 | 248,187.1 | -473,147.7 | -79,072.2 | -91.0 | 2,035,492.2 | | Resultados del Periodo | 278,100.3 | 288,484.3 | 325,248.7 | 103,710.7 | 97,761.7 | -179.8 | 7,642.7 | 3,456.2 | 1,104,224.8 | | Cuentas contingentes | 7,924,164.6 | 7,151,840.2 | 5,773,912.8 | 491,332.9 | 4,419,640.0 | 2,161.2 | 0.0 | 0.0 | 25,763,051.7 | | Cuentas de orden | 37,345,983.0 | 29,714,467.8 | 4,583,731.3 | 19,351,518.9 | 2,970,929.6 | 7,273,751.1 | 1,724,910.6 | 448,888.4 | 103,414,180.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2011 C$ 22.4184 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2012 C$ 23.5409 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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