| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 39,332,123.3 | 29,542,640.0 | 24,831,476.3 | 11,359,089.6 | 4,978,268.0 | 2,951,570.3 | 677,383.4 | 283,651.8 | 113,956,202.7 | | Disponibilidades | 9,706,741.7 | 6,825,033.0 | 6,856,396.6 | 2,559,082.7 | 923,998.4 | 675,041.4 | 64,745.3 | 40,362.7 | 27,651,401.7 | | Moneda Nacional | 2,589,518.2 | 2,993,887.4 | 2,005,266.6 | 849,718.1 | 226,995.0 | 158,118.5 | 10,896.7 | 8,770.2 | 8,843,170.7 | | Caja | 890,425.7 | 633,860.2 | 860,953.4 | 146,730.2 | 72,056.0 | 78,188.8 | 4,210.7 | 5,395.7 | 2,691,820.8 | | Banco Central de Nicaragua | 470,711.4 | 1,176,335.5 | 348,517.8 | 113,968.3 | 26,031.6 | 6,726.7 | 208.6 | 0.0 | 2,142,499.9 | | Depositos e Instituciones Financieras del Pais | 10,066.6 | 0.0 | 0.0 | 163,101.5 | 4,117.9 | 1,531.4 | 6,477.4 | 3,374.5 | 188,669.3 | | Otras disponibilidades | 1,218,314.6 | 1,183,691.7 | 795,795.4 | 425,918.1 | 124,789.5 | 71,671.5 | 0.0 | 0.0 | 3,820,180.7 | | | | | | | | | | | | | Moneda Extranjera | 7,117,223.5 | 3,831,145.6 | 4,851,130.0 | 1,709,364.6 | 697,003.3 | 516,922.9 | 53,848.6 | 31,592.5 | 18,808,231.0 | | Caja | 469,457.4 | 349,718.5 | 593,451.8 | 130,812.8 | 81,365.4 | 74,902.4 | 1,898.6 | 4,798.5 | 1,706,405.4 | | Banco Central de Nicaragua | 620,485.7 | 14,753.6 | 693,181.3 | 89,532.3 | 101,700.7 | 18,607.9 | 23,635.9 | 0.0 | 1,561,897.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 16,283.7 | 0.0 | 5,909.0 | 28,314.1 | 26,794.0 | 77,300.8 | | Depositos en Instituciones Financieras del exterior | 3,054,259.0 | 538,437.2 | 1,796,959.4 | 455,398.3 | 127,146.5 | 126,813.7 | 0.0 | 0.0 | 6,099,014.0 | | Otras disponibilidades | 2,973,021.3 | 2,928,236.4 | 1,767,537.5 | 1,017,337.5 | 386,790.7 | 290,689.9 | 0.0 | 0.0 | 9,363,613.4 | | | | | | | | | | | | | Inversiones en valores, neto | 12,966,056.5 | 7,525,892.4 | 1,208,612.0 | 1,451,386.4 | 401,724.8 | 0.0 | 23,639.1 | 0.0 | 23,577,311.2 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,532,805.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,532,805.9 | | Inversiones Disponibles para la Venta | 693,772.6 | 4,765,993.2 | 1,208,612.0 | 176,035.9 | 401,724.8 | 0.0 | 0.0 | 0.0 | 7,246,138.6 | | Inversiones Mantenidas Hasta el Vencimiento | 9,739,477.9 | 2,759,899.1 | 0.0 | 1,275,350.5 | 0.0 | 0.0 | 23,639.1 | 0.0 | 13,798,366.6 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 38,809.6 | 0.0 | 0.0 | 296,784.5 | 0.0 | 0.0 | 0.0 | 0.0 | 335,594.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 15,597,135.8 | 14,072,066.1 | 16,060,106.7 | 6,832,802.2 | 3,530,949.4 | 1,911,023.3 | 539,680.0 | 230,697.8 | 58,774,461.4 | | Créditos vigentes | 14,977,496.0 | 13,544,424.2 | 15,811,701.9 | 6,607,249.9 | 3,391,487.9 | 1,811,648.5 | 537,562.0 | 228,143.2 | 56,909,713.6 | | Créditos prorrogados | 8,472.4 | 12,717.2 | 153,649.6 | 0.0 | 0.0 | 0.0 | 47.6 | 0.0 | 174,886.8 | | Créditos reestructurados | 540,630.5 | 461,428.0 | 134,996.0 | 213,477.8 | 174,697.9 | 139,386.7 | 14,807.0 | 0.0 | 1,679,423.9 | | Créditos vencidos | 58,324.0 | 40,966.2 | 96,529.2 | 45,442.4 | 75,122.3 | 14,459.5 | 6,477.8 | 1,383.3 | 338,704.8 | | Créditos en cobro judicial | 305,705.6 | 183,476.1 | 267,277.6 | 56,643.1 | 7,818.9 | 10,381.6 | 5,189.4 | 0.0 | 836,492.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 204,815.9 | 220,441.3 | 148,513.4 | 72,296.5 | 40,338.2 | 37,933.8 | 11,376.5 | 5,677.0 | 741,392.6 | | Provisiones por incobrabilidad de cartera de creditos | -498,308.6 | -391,387.0 | -552,561.0 | -162,307.4 | -158,515.8 | -102,786.9 | -35,780.4 | -4,505.7 | -1,906,152.7 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 139,531.7 | 201,098.3 | 60,229.6 | 22,817.5 | 9,357.3 | 10,438.2 | 2,110.7 | 2,132.9 | 447,716.2 | | Bienes de uso, neto | 648,228.4 | 237,695.8 | 426,170.0 | 83,655.6 | 89,765.1 | 284,134.7 | 10,543.2 | 3,118.5 | 1,783,311.4 | | Bienes recibidos en recuperacion de creditos, neto | 28,793.9 | 60,586.0 | 10,480.3 | 7,157.3 | 2,484.1 | 29,383.2 | 13,515.5 | 0.0 | 152,400.3 | | Invesiones permanentes en acciones | 61,017.1 | 373,703.7 | 47,994.1 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 486,980.5 | | Otros activos neto | 145,808.6 | 246,564.7 | 161,486.9 | 101,137.9 | 19,989.0 | 41,549.5 | 23,149.6 | 7,339.8 | 747,025.9 | | Pasivo | 36,333,398.2 | 26,816,642.1 | 21,746,313.8 | 10,326,143.9 | 4,158,144.9 | 2,673,342.4 | 509,349.5 | 180,461.0 | 102,743,795.7 | | Obligaciones con el Público | 32,499,023.9 | 22,444,075.1 | 19,502,207.0 | 8,782,641.2 | 3,827,579.8 | 2,409,065.4 | 0.0 | 0.0 | 89,464,592.4 | | Moneda Nacional | 8,906,674.5 | 6,283,385.4 | 5,419,361.6 | 2,314,053.6 | 668,107.4 | 428,241.8 | 0.0 | 0.0 | 24,019,824.4 | | Depositos a la Vista | 3,376,940.3 | 2,893,866.9 | 3,006,268.7 | 899,006.1 | 342,617.3 | 180,171.1 | 0.0 | 0.0 | 10,698,870.5 | | Depositos de Ahorro | 4,077,064.7 | 2,517,065.0 | 1,537,167.5 | 1,249,061.6 | 175,165.4 | 220,667.9 | 0.0 | 0.0 | 9,776,192.1 | | Depositos a Plazo | 1,452,669.5 | 872,453.6 | 875,925.4 | 165,985.9 | 150,324.7 | 27,402.8 | 0.0 | 0.0 | 3,544,761.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,905,522.2 | 15,324,114.9 | 13,859,249.8 | 6,315,022.1 | 3,124,708.4 | 1,933,148.7 | 0.0 | 0.0 | 63,461,766.2 | | Depositos a la Vista | 6,606,016.5 | 4,635,443.8 | 4,486,739.7 | 413,085.7 | 596,622.1 | 173,806.9 | 0.0 | 0.0 | 16,911,714.6 | | Depositos de Ahorro | 11,516,652.1 | 7,437,135.3 | 6,106,625.0 | 3,670,141.3 | 1,711,614.6 | 891,944.7 | 0.0 | 0.0 | 31,334,113.0 | | Depositos a Plazo | 4,782,853.7 | 3,251,535.9 | 3,265,885.1 | 2,231,795.1 | 816,471.7 | 867,397.2 | 0.0 | 0.0 | 15,215,938.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 607,860.0 | 781,045.3 | 173,797.7 | 97,146.4 | 23,179.3 | 32,363.2 | 0.0 | 0.0 | 1,715,391.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 78,967.2 | 55,529.5 | 49,797.8 | 56,419.1 | 11,584.6 | 15,311.7 | 0.0 | 0.0 | 267,609.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,791,178.9 | 3,112,073.0 | 1,627,032.3 | 1,060,693.1 | 59,254.4 | 0.0 | 480,004.3 | 165,464.6 | 9,295,700.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 190,088.0 | 225,872.7 | 80,891.3 | 119,041.3 | 0.0 | 0.0 | 77.7 | 0.0 | 615,971.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 170,388.9 | 299,546.6 | 101,054.2 | 220,017.4 | 59,096.0 | 0.0 | 0.0 | 0.0 | 850,103.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 132,111.1 | 132,111.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,430,702.0 | 2,586,653.7 | 1,445,086.8 | 721,634.4 | 158.4 | 0.0 | 479,926.6 | 33,353.4 | 7,697,515.4 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 351,317.8 | 84,010.4 | 0.0 | 176,348.0 | 0.0 | 16,304.3 | 0.0 | 0.0 | 627,980.5 | | Operaciones con Reportos y Valores Derivados | 200,130.4 | 0.0 | 0.0 | 0.0 | 75,028.7 | 0.0 | 0.0 | 0.0 | 275,159.0 | | Otras cuentas por pagar | 93,435.4 | 307,601.0 | 275,606.9 | 31,265.4 | 35,973.0 | 17,315.8 | 4,858.0 | 1,639.6 | 767,695.2 | | Otros pasivos y provisiones | 291,258.5 | 331,398.9 | 341,467.7 | 108,826.5 | 160,309.0 | 67,333.3 | 24,487.2 | 13,356.8 | 1,338,437.9 | | Obligaciones subordinadas | 107,053.3 | 537,483.7 | 0.0 | 166,369.6 | 0.0 | 163,323.6 | 0.0 | 0.0 | 974,230.1 | | 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 | 2,998,725.1 | 2,725,997.9 | 3,085,162.5 | 1,032,945.7 | 820,123.1 | 278,227.9 | 168,033.9 | 103,190.8 | 11,212,406.9 | | Capital social pagado | 1,520,500.0 | 1,344,400.0 | 1,310,000.0 | 700,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 6,197,998.4 | | 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 | -1,710.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -916.9 | | 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 | 595,679.1 | 860,031.4 | 43,636.1 | 248,187.1 | -473,147.7 | -79,072.2 | -91.0 | 1,735,492.2 | | Resultados del Periodo | 331,869.7 | 339,504.2 | 381,250.2 | 125,366.3 | 110,900.2 | -10,779.7 | 9,325.0 | 3,281.8 | 1,290,717.8 | | Cuentas contingentes | 8,000,208.1 | 6,830,112.2 | 5,858,657.2 | 498,746.1 | 4,628,374.6 | 2,169.6 | 0.0 | 0.0 | 25,818,267.9 | | Cuentas de orden | 37,815,182.6 | 29,499,882.6 | 4,524,866.2 | 20,134,339.0 | 3,165,555.4 | 7,356,843.6 | 1,726,974.4 | 465,469.9 | 104,689,113.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2011 C$ 22.5115 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2012 C$ 23.6384 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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