| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 39,243,534.5 | 29,668,365.3 | 24,307,307.1 | 11,685,232.9 | 5,267,547.5 | 2,985,639.9 | 676,022.8 | 286,763.3 | 114,120,413.3 | | Disponibilidades | 9,295,926.1 | 7,398,501.9 | 5,977,768.6 | 2,660,007.1 | 1,195,259.4 | 654,727.2 | 47,126.2 | 37,081.0 | 27,266,397.5 | | Moneda Nacional | 2,576,135.7 | 2,711,303.0 | 1,705,013.3 | 815,785.9 | 272,775.1 | 196,208.9 | 10,086.3 | 11,700.1 | 8,299,008.2 | | Caja | 771,940.0 | 553,808.0 | 791,898.1 | 148,015.9 | 66,832.5 | 74,129.1 | 3,880.1 | 5,908.8 | 2,416,412.5 | | Banco Central de Nicaragua | 402,866.9 | 806,890.1 | 123,621.0 | 302,475.5 | 77,384.4 | 52,374.5 | 208.5 | 0.0 | 1,765,820.9 | | Depositos e Instituciones Financieras del Pais | 17,223.0 | 0.0 | 0.0 | 3,255.0 | 11,998.9 | 2,171.9 | 5,997.7 | 5,791.3 | 46,437.9 | | Otras disponibilidades | 1,384,105.8 | 1,350,604.8 | 789,494.2 | 362,039.6 | 116,559.2 | 67,533.4 | 0.0 | 0.0 | 4,070,337.0 | | | | | | | | | | | | | Moneda Extranjera | 6,719,790.5 | 4,687,198.9 | 4,272,755.3 | 1,844,221.2 | 922,484.4 | 458,518.3 | 37,039.9 | 25,380.9 | 18,967,389.3 | | Caja | 604,985.4 | 304,975.0 | 609,556.6 | 113,539.2 | 87,502.4 | 62,729.7 | 2,111.4 | 5,012.9 | 1,790,412.6 | | Banco Central de Nicaragua | 580,570.4 | 48,519.8 | 395,984.2 | 39,898.5 | 75,379.6 | 6,587.2 | 230.8 | 0.0 | 1,147,170.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 21,642.6 | 0.0 | 5,812.9 | 34,697.8 | 20,367.9 | 82,521.1 | | Depositos en Instituciones Financieras del exterior | 2,120,014.5 | 919,143.6 | 1,534,744.7 | 637,641.8 | 347,872.8 | 90,083.8 | 0.0 | 0.0 | 5,649,501.2 | | Otras disponibilidades | 3,414,220.2 | 3,414,560.5 | 1,732,469.8 | 1,031,499.1 | 411,729.6 | 293,304.7 | 0.0 | 0.0 | 10,297,784.0 | | | | | | | | | | | | | Inversiones en valores, neto | 12,979,774.9 | 6,978,060.6 | 1,094,567.2 | 1,521,794.6 | 342,219.0 | 0.0 | 23,758.7 | 0.0 | 22,940,174.9 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,964,968.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,964,968.6 | | Inversiones Disponibles para la Venta | 459,968.8 | 4,119,296.6 | 1,094,567.2 | 271,706.0 | 342,219.0 | 0.0 | 0.0 | 0.0 | 6,287,757.7 | | Inversiones Mantenidas Hasta el Vencimiento | 9,554,837.4 | 2,858,763.9 | 0.0 | 1,250,088.6 | 0.0 | 0.0 | 23,758.7 | 0.0 | 13,687,448.6 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 50,265.6 | 0.0 | 0.0 | 272,029.8 | 0.0 | 0.0 | 0.0 | 0.0 | 322,295.5 | | | | | | | | | | | | | Cartera de Creditos, neta | 15,959,499.9 | 14,179,862.5 | 16,492,112.1 | 7,017,031.2 | 3,614,094.5 | 1,971,947.9 | 556,447.1 | 237,170.6 | 60,028,165.8 | | Créditos vigentes | 15,345,795.5 | 13,627,758.6 | 16,230,271.0 | 6,809,626.9 | 3,475,404.3 | 1,867,910.4 | 554,903.7 | 234,090.1 | 58,145,760.6 | | Créditos prorrogados | 15,565.0 | 29,514.0 | 154,286.0 | 0.0 | 0.0 | 0.0 | 38.3 | 0.0 | 199,403.2 | | Créditos reestructurados | 537,119.4 | 470,813.4 | 134,277.5 | 197,851.8 | 170,468.0 | 141,812.6 | 14,285.6 | 686.7 | 1,667,314.9 | | Créditos vencidos | 61,101.6 | 44,138.2 | 102,162.7 | 42,495.8 | 76,043.2 | 14,852.1 | 6,588.8 | 1,265.6 | 348,648.0 | | Créditos en cobro judicial | 312,444.3 | 180,729.7 | 262,714.6 | 57,264.2 | 8,399.2 | 9,866.3 | 5,148.9 | 0.0 | 836,567.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 197,675.6 | 223,969.6 | 160,905.9 | 75,270.9 | 41,301.6 | 40,111.6 | 11,530.5 | 5,830.2 | 756,595.8 | | Provisiones por incobrabilidad de cartera de creditos | -510,201.5 | -397,061.0 | -552,505.5 | -165,478.4 | -157,521.7 | -102,605.1 | -36,048.6 | -4,702.0 | -1,926,124.0 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 104,846.4 | 181,696.2 | 62,484.3 | 22,536.5 | 6,120.3 | 13,007.7 | 1,916.0 | 1,849.0 | 394,456.3 | | Bienes de uso, neto | 657,303.6 | 237,933.5 | 441,419.0 | 82,660.4 | 88,080.9 | 281,882.7 | 10,597.5 | 3,512.1 | 1,803,389.8 | | Bienes recibidos en recuperacion de creditos, neto | 30,081.4 | 59,866.3 | 13,754.0 | 6,864.2 | 2,130.3 | 26,793.3 | 13,106.0 | 0.0 | 152,595.5 | | Invesiones permanentes en acciones | 61,017.1 | 373,703.7 | 48,042.1 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 487,028.6 | | Otros activos neto | 104,819.4 | 258,740.7 | 177,159.8 | 98,043.4 | 19,643.1 | 37,281.0 | 23,071.4 | 7,150.7 | 725,909.4 | | Pasivo | 36,189,341.3 | 26,893,757.4 | 21,151,096.1 | 10,628,485.5 | 4,431,824.7 | 2,707,999.5 | 506,027.9 | 183,264.1 | 102,691,796.4 | | Obligaciones con el Público | 32,264,869.1 | 23,146,967.9 | 19,654,581.8 | 9,053,192.9 | 4,113,875.1 | 2,438,984.5 | 0.0 | 0.0 | 90,672,471.4 | | Moneda Nacional | 8,604,289.1 | 6,408,471.4 | 5,161,839.5 | 2,332,162.5 | 739,081.1 | 426,929.5 | 0.0 | 0.0 | 23,672,773.2 | | Depositos a la Vista | 3,256,608.9 | 3,020,551.1 | 2,886,125.3 | 879,815.1 | 355,391.6 | 177,511.9 | 0.0 | 0.0 | 10,576,004.0 | | Depositos de Ahorro | 3,821,717.6 | 2,557,422.1 | 1,417,755.0 | 1,282,628.8 | 183,371.2 | 220,533.7 | 0.0 | 0.0 | 9,483,428.5 | | Depositos a Plazo | 1,525,962.6 | 830,498.2 | 857,959.2 | 169,718.6 | 200,318.3 | 28,883.8 | 0.0 | 0.0 | 3,613,340.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,064,774.9 | 15,920,550.3 | 14,227,571.0 | 6,582,339.6 | 3,344,377.9 | 1,966,872.7 | 0.0 | 0.0 | 64,106,486.3 | | Depositos a la Vista | 5,560,690.8 | 5,080,380.3 | 4,239,872.6 | 485,456.2 | 691,690.7 | 188,030.5 | 0.0 | 0.0 | 16,246,121.1 | | Depositos de Ahorro | 11,662,996.3 | 7,550,144.1 | 6,738,826.1 | 3,840,415.4 | 1,707,776.8 | 888,205.1 | 0.0 | 0.0 | 32,388,363.9 | | Depositos a Plazo | 4,841,087.8 | 3,290,025.8 | 3,248,872.2 | 2,256,468.0 | 944,910.5 | 890,637.0 | 0.0 | 0.0 | 15,472,001.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 1,515,194.7 | 762,284.8 | 215,548.9 | 79,287.2 | 19,017.8 | 30,414.1 | 0.0 | 0.0 | 2,621,747.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 80,610.4 | 55,661.4 | 49,622.4 | 59,403.7 | 11,398.3 | 14,768.2 | 0.0 | 0.0 | 271,464.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,868,694.4 | 2,457,614.7 | 838,219.5 | 1,088,332.7 | 59,649.0 | 0.0 | 474,993.2 | 166,778.6 | 7,954,282.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 188,583.2 | 208,209.4 | 76,277.1 | 118,085.8 | 0.0 | 0.0 | 59.6 | 0.0 | 591,215.2 | | Préstamos del Banco Centroaméricano de Integración Económica | 163,171.3 | 296,637.2 | 98,505.6 | 218,614.3 | 59,340.8 | 0.0 | 0.0 | 0.0 | 836,269.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 132,658.3 | 132,658.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,516,940.0 | 1,952,768.0 | 663,436.7 | 751,632.6 | 308.2 | 0.0 | 474,933.6 | 34,120.3 | 6,394,139.5 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 353,585.9 | 84,438.0 | 0.0 | 177,683.5 | 0.0 | 16,451.5 | 0.0 | 0.0 | 632,158.9 | | Operaciones con Reportos y Valores Derivados | 200,146.3 | 0.0 | 0.0 | 0.0 | 50,121.8 | 0.0 | 0.0 | 0.0 | 250,268.1 | | Otras cuentas por pagar | 84,259.2 | 350,611.7 | 304,303.9 | 33,140.8 | 41,103.4 | 17,281.5 | 5,258.6 | 2,052.9 | 838,011.9 | | Otros pasivos y provisiones | 309,839.0 | 312,062.1 | 353,990.9 | 108,375.9 | 167,075.4 | 69,699.2 | 25,776.1 | 14,432.6 | 1,361,251.3 | | Obligaciones subordinadas | 107,947.3 | 542,063.0 | 0.0 | 167,759.6 | 0.0 | 165,582.8 | 0.0 | 0.0 | 983,352.8 | | 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 | 3,054,193.2 | 2,774,608.0 | 3,156,210.9 | 1,056,747.4 | 835,722.8 | 277,640.4 | 169,994.9 | 103,499.2 | 11,428,616.9 | | 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 | -4,970.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -4,176.8 | | 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 | 595,225.0 | 860,031.4 | 43,636.1 | 248,187.1 | -473,147.7 | -79,072.2 | -91.0 | 1,735,038.0 | | Resultados del Periodo | 387,337.8 | 391,828.3 | 452,298.6 | 149,167.9 | 126,499.9 | -11,367.2 | 11,286.1 | 3,590.2 | 1,510,641.8 | | Cuentas contingentes | 9,039,206.1 | 6,936,467.6 | 5,935,218.9 | 519,743.0 | 4,925,068.4 | 2,145.1 | 0.0 | 0.0 | 27,357,849.1 | | Cuentas de orden | 39,607,741.9 | 28,779,091.1 | 4,619,849.0 | 20,219,538.9 | 3,182,747.2 | 7,480,127.3 | 1,747,407.1 | 478,791.9 | 106,115,294.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2011 C$ 22.6050 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2012 C$ 23.7363 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
