| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 37,381,589.1 | 29,354,629.6 | 24,878,283.8 | 11,613,527.2 | 5,545,263.7 | 3,061,715.4 | 702,256.3 | 286,164.4 | 112,823,429.6 | | Disponibilidades | 8,424,431.4 | 6,506,402.5 | 6,423,922.9 | 2,385,033.0 | 1,182,496.6 | 700,545.3 | 77,177.1 | 30,304.9 | 25,730,313.8 | | Moneda Nacional | 2,679,372.1 | 2,236,894.8 | 1,836,336.2 | 794,464.0 | 344,978.4 | 179,589.0 | 14,242.6 | 10,491.5 | 8,096,368.6 | | Caja | 758,962.6 | 555,082.6 | 783,421.1 | 114,475.2 | 77,357.0 | 71,162.6 | 5,082.7 | 5,532.5 | 2,371,076.3 | | Banco Central de Nicaragua | 570,358.7 | 369,013.9 | 213,462.4 | 118,898.2 | 145,881.5 | 30,373.7 | 208.5 | 0.0 | 1,448,196.9 | | Depositos e Instituciones Financieras del Pais | 18,726.5 | 0.0 | 0.0 | 173,341.7 | 14,808.1 | 2,936.5 | 8,951.4 | 4,959.0 | 223,723.1 | | Otras disponibilidades | 1,331,324.4 | 1,312,798.4 | 839,452.7 | 387,748.8 | 106,931.8 | 75,116.2 | 0.0 | 0.0 | 4,053,372.3 | | | | | | | | | | | | | Moneda Extranjera | 5,745,059.4 | 4,269,507.7 | 4,587,586.7 | 1,590,569.1 | 837,518.2 | 520,956.3 | 62,934.5 | 19,813.5 | 17,633,945.2 | | Caja | 451,567.8 | 265,298.2 | 583,632.3 | 118,694.6 | 86,091.5 | 68,742.5 | 1,994.7 | 5,453.5 | 1,581,474.9 | | Banco Central de Nicaragua | 413,060.5 | 219,588.0 | 1,131,322.4 | 29,140.1 | 25,000.0 | 56,691.3 | 23,824.8 | 0.0 | 1,898,627.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 9,877.9 | 0.0 | 7,695.4 | 37,115.0 | 14,360.0 | 69,048.3 | | Depositos en Instituciones Financieras del exterior | 1,103,207.0 | 599,323.2 | 990,526.1 | 345,115.5 | 247,606.9 | 90,857.3 | 0.0 | 0.0 | 3,376,636.0 | | Otras disponibilidades | 3,777,224.1 | 3,185,298.3 | 1,882,105.9 | 1,087,740.9 | 478,820.0 | 296,969.8 | 0.0 | 0.0 | 10,708,159.0 | | | | | | | | | | | | | Inversiones en valores, neto | 11,525,785.8 | 7,170,881.9 | 1,096,166.5 | 1,471,381.9 | 296,184.2 | 0.0 | 11,938.9 | 0.0 | 21,572,339.2 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,220,793.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,220,793.4 | | Inversiones Disponibles para la Venta | 462,321.2 | 4,098,525.5 | 1,096,166.5 | 201,320.0 | 296,184.2 | 0.0 | 0.0 | 0.0 | 6,154,517.4 | | Inversiones Mantenidas Hasta el Vencimiento | 8,842,671.2 | 3,072,356.4 | 0.0 | 1,270,061.9 | 0.0 | 0.0 | 11,938.9 | 0.0 | 13,197,028.3 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 50,545.3 | 0.0 | 0.0 | 222,180.7 | 238,314.0 | 0.0 | 0.0 | 0.0 | 511,040.0 | | | | | | | | | | | | | Cartera de Creditos, neta | 16,431,492.7 | 14,543,701.1 | 16,572,720.5 | 7,316,357.7 | 3,709,777.1 | 2,012,393.0 | 562,863.4 | 241,705.4 | 61,391,010.9 | | Créditos vigentes | 15,774,240.5 | 13,960,334.5 | 16,487,546.8 | 7,147,418.7 | 3,577,359.0 | 1,908,590.8 | 561,988.5 | 238,252.2 | 59,655,730.9 | | Créditos prorrogados | 42,417.4 | 27,669.5 | 0.0 | 0.0 | 0.0 | 0.0 | 38.4 | 0.0 | 70,125.4 | | Créditos reestructurados | 532,812.8 | 452,044.3 | 132,260.8 | 173,679.3 | 166,746.6 | 138,181.6 | 13,581.6 | 537.8 | 1,609,844.8 | | Créditos vencidos | 70,249.2 | 59,480.9 | 85,644.2 | 30,520.3 | 71,271.8 | 16,571.8 | 6,795.9 | 1,141.6 | 341,675.8 | | Créditos en cobro judicial | 312,128.9 | 169,542.5 | 259,251.0 | 58,821.6 | 8,414.7 | 10,436.7 | 4,948.8 | 0.0 | 823,544.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 215,444.2 | 223,391.3 | 164,913.6 | 76,185.9 | 46,764.4 | 43,434.6 | 11,613.1 | 6,329.9 | 788,077.0 | | Provisiones por incobrabilidad de cartera de creditos | -515,800.3 | -348,761.9 | -556,895.9 | -170,268.1 | -160,779.5 | -104,822.5 | -36,103.0 | -4,556.0 | -1,897,987.2 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 99,738.1 | 176,380.1 | 59,960.6 | 22,156.0 | 6,870.0 | 11,910.8 | 2,807.1 | 1,636.5 | 381,459.1 | | Bienes de uso, neto | 660,544.7 | 243,175.3 | 450,032.9 | 86,214.8 | 86,316.6 | 279,282.2 | 11,265.8 | 4,796.1 | 1,821,628.5 | | Bienes recibidos en recuperacion de creditos, neto | 30,595.5 | 60,511.4 | 16,011.6 | 6,745.7 | 1,687.6 | 23,735.6 | 12,596.0 | 0.0 | 151,883.3 | | Invesiones permanentes en acciones | 61,017.1 | 373,703.7 | 48,042.7 | 4,265.7 | 0.0 | 0.0 | 0.0 | 0.0 | 487,029.1 | | Otros activos neto | 97,438.5 | 279,873.6 | 211,426.1 | 99,191.7 | 23,617.6 | 33,848.6 | 23,608.1 | 7,721.5 | 776,725.6 | | Pasivo | 34,269,662.1 | 26,530,631.5 | 21,663,674.6 | 10,559,272.5 | 4,774,825.2 | 2,786,444.0 | 530,716.9 | 182,078.4 | 101,297,305.2 | | Obligaciones con el Público | 30,043,410.1 | 22,791,177.7 | 19,724,584.7 | 8,958,344.0 | 4,476,381.2 | 2,439,497.5 | 0.0 | 0.0 | 88,433,395.1 | | Moneda Nacional | 8,755,454.1 | 6,148,240.1 | 4,820,103.8 | 2,279,137.9 | 760,963.8 | 415,149.9 | 0.0 | 0.0 | 23,179,049.5 | | Depositos a la Vista | 3,455,437.9 | 2,948,579.5 | 2,791,184.0 | 710,056.8 | 384,477.7 | 162,994.8 | 0.0 | 0.0 | 10,452,730.6 | | Depositos de Ahorro | 3,747,009.2 | 2,403,581.2 | 1,226,087.9 | 1,420,816.5 | 175,496.1 | 223,115.3 | 0.0 | 0.0 | 9,196,106.2 | | Depositos a Plazo | 1,553,007.0 | 796,079.4 | 802,831.9 | 148,264.6 | 200,990.0 | 29,039.9 | 0.0 | 0.0 | 3,530,212.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 19,010,939.5 | 16,027,335.0 | 14,614,853.4 | 6,535,374.8 | 3,684,609.2 | 1,966,416.8 | 0.0 | 0.0 | 61,839,528.7 | | Depositos a la Vista | 4,811,409.1 | 5,967,675.2 | 4,475,451.7 | 486,370.4 | 1,013,503.3 | 176,519.1 | 0.0 | 0.0 | 16,930,928.9 | | Depositos de Ahorro | 9,366,782.5 | 6,793,591.1 | 6,675,628.5 | 3,670,465.5 | 1,704,270.1 | 890,872.3 | 0.0 | 0.0 | 29,101,610.0 | | Depositos a Plazo | 4,832,747.9 | 3,266,068.6 | 3,463,773.2 | 2,378,538.8 | 966,835.8 | 899,025.4 | 0.0 | 0.0 | 15,806,989.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 2,193,457.7 | 559,553.7 | 242,336.8 | 87,469.1 | 18,347.1 | 42,369.9 | 0.0 | 0.0 | 3,143,534.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 83,558.7 | 56,048.9 | 47,290.7 | 56,362.3 | 12,461.1 | 15,560.8 | 0.0 | 0.0 | 271,282.5 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 2,922,503.5 | 2,437,123.5 | 1,252,460.4 | 1,102,549.3 | 60,018.3 | 71,542.9 | 497,563.7 | 164,432.6 | 8,508,194.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 186,431.1 | 202,318.5 | 74,115.7 | 117,144.4 | 0.0 | 0.0 | 41.4 | 0.0 | 580,051.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 153,305.1 | 289,329.1 | 98,900.3 | 211,681.2 | 59,578.5 | 0.0 | 0.0 | 0.0 | 812,794.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 71,494.2 | 0.0 | 133,189.8 | 204,684.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,582,767.3 | 1,945,476.0 | 1,079,444.5 | 773,723.6 | 439.8 | 48.7 | 497,522.3 | 31,242.8 | 6,910,665.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 354,613.2 | 84,843.8 | 0.0 | 180,389.3 | 0.0 | 16,594.9 | 0.0 | 0.0 | 636,441.2 | | Operaciones con Reportos y Valores Derivados | 438,710.6 | 0.0 | 0.0 | 0.0 | 7.4 | 0.0 | 0.0 | 0.0 | 438,717.9 | | Otras cuentas por pagar | 92,729.7 | 380,998.1 | 319,923.6 | 32,533.2 | 45,766.6 | 20,060.1 | 6,110.8 | 2,603.4 | 900,725.6 | | Otros pasivos y provisiones | 316,194.7 | 312,574.6 | 366,705.8 | 118,436.7 | 192,651.7 | 70,964.5 | 27,042.4 | 15,042.5 | 1,419,612.9 | | Obligaciones subordinadas | 101,500.3 | 523,913.7 | 0.0 | 167,020.1 | 0.0 | 167,784.1 | 0.0 | 0.0 | 960,218.3 | | 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 | 3,111,927.0 | 2,823,998.1 | 3,214,609.2 | 1,054,254.7 | 770,438.5 | 275,271.4 | 171,539.4 | 104,086.0 | 11,526,124.3 | | 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 | 0.0 | -1,702.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -902.6 | | 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 | 24,286.2 | 176,711.8 | -473,147.7 | -79,072.2 | -91.0 | 1,644,212.8 | | Resultados del Periodo | 445,064.9 | 437,951.0 | 510,696.9 | 166,025.1 | 132,691.0 | -13,736.1 | 12,830.6 | 4,177.0 | 1,695,700.2 | | Cuentas contingentes | 9,947,957.4 | 6,819,837.1 | 6,083,619.6 | 537,661.5 | 4,980,958.4 | 2,451.1 | 0.0 | 0.0 | 28,372,485.0 | | Cuentas de orden | 40,493,846.8 | 24,769,025.5 | 4,850,223.2 | 20,427,130.0 | 3,259,212.9 | 7,549,653.1 | 1,737,658.2 | 489,524.7 | 103,576,274.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2011 C$ 22.6958 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2012 C$ 23.8314 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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