| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 38,115,280.6 | 28,858,450.5 | 25,475,576.7 | 11,746,190.6 | 5,604,288.9 | 3,093,665.2 | 717,413.1 | 297,220.7 | 113,908,086.3 | | Disponibilidades | 10,254,860.5 | 6,530,460.4 | 6,617,899.3 | 2,415,930.4 | 1,152,878.2 | 679,816.5 | 63,239.6 | 30,925.5 | 27,746,010.5 | | Moneda Nacional | 3,378,455.7 | 2,967,082.2 | 2,182,783.9 | 734,029.8 | 305,257.3 | 176,477.2 | 20,715.0 | 8,658.5 | 9,773,459.6 | | Caja | 977,293.2 | 683,749.7 | 858,173.4 | 167,593.9 | 75,316.4 | 77,003.8 | 4,143.7 | 5,476.3 | 2,848,750.3 | | Banco Central de Nicaragua | 1,146,707.0 | 1,173,881.4 | 513,979.8 | 0.0 | 107,316.7 | 32,641.9 | 208.5 | 0.0 | 2,974,735.3 | | Depositos e Instituciones Financieras del Pais | 2,725.3 | 0.0 | 0.0 | 173,562.5 | 4,721.4 | 2,499.7 | 16,362.8 | 3,182.2 | 203,053.9 | | Otras disponibilidades | 1,251,730.3 | 1,109,451.1 | 810,630.7 | 392,873.4 | 117,902.8 | 64,331.8 | 0.0 | 0.0 | 3,746,920.2 | | | | | | | | | | | | | Moneda Extranjera | 6,876,404.8 | 3,563,378.2 | 4,435,115.4 | 1,681,900.6 | 847,621.0 | 503,339.3 | 42,524.6 | 22,267.0 | 17,972,550.9 | | Caja | 484,730.0 | 267,666.5 | 708,836.9 | 129,305.6 | 80,735.3 | 79,294.0 | 1,885.4 | 5,381.4 | 1,757,835.0 | | Banco Central de Nicaragua | 1,441,165.5 | 15,074.6 | 1,111,586.3 | 216,498.8 | 28,107.3 | 44,829.8 | 24,162.7 | 0.0 | 2,881,425.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 12,545.4 | 0.0 | 3,965.8 | 16,476.5 | 16,885.7 | 49,873.4 | | Depositos en Instituciones Financieras del exterior | 1,335,756.6 | 829,534.2 | 766,024.9 | 315,944.8 | 258,503.1 | 77,455.6 | 0.0 | 0.0 | 3,583,219.1 | | Otras disponibilidades | 3,614,752.7 | 2,451,102.8 | 1,848,667.3 | 1,007,606.0 | 480,275.4 | 297,794.1 | 0.0 | 0.0 | 9,700,198.3 | | | | | | | | | | | | | Inversiones en valores, neto | 9,593,482.6 | 6,179,839.2 | 1,097,784.2 | 1,510,355.2 | 451,113.8 | 0.0 | 23,939.6 | 0.0 | 18,856,514.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,603,043.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,603,043.5 | | Inversiones Disponibles para la Venta | 250,068.3 | 3,428,416.6 | 1,097,784.2 | 226,129.6 | 451,113.8 | 0.0 | 0.0 | 0.0 | 5,453,512.6 | | Inversiones Mantenidas Hasta el Vencimiento | 7,740,370.8 | 2,751,422.7 | 0.0 | 1,284,225.6 | 0.0 | 0.0 | 23,939.6 | 0.0 | 11,799,958.6 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 263,908.5 | 0.0 | 0.0 | 21,995.2 | 119,712.8 | 0.0 | 0.0 | 0.0 | 405,616.4 | | | | | | | | | | | | | Cartera de Creditos, neta | 17,009,840.4 | 14,982,535.9 | 16,938,895.1 | 7,580,034.9 | 3,765,013.5 | 2,072,725.9 | 580,395.7 | 252,249.3 | 63,181,690.7 | | Créditos vigentes | 16,370,988.3 | 14,433,285.2 | 16,745,364.1 | 7,410,056.0 | 3,648,196.5 | 1,969,461.1 | 579,894.3 | 248,911.3 | 61,406,156.8 | | Créditos prorrogados | 8,541.2 | 21,366.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 29,907.9 | | Créditos reestructurados | 533,513.7 | 445,441.2 | 136,561.6 | 160,442.9 | 154,094.4 | 135,126.9 | 13,192.9 | 540.0 | 1,578,913.6 | | Créditos vencidos | 83,406.0 | 59,559.8 | 190,002.8 | 43,718.1 | 74,588.2 | 13,744.3 | 6,625.9 | 1,131.0 | 472,776.0 | | Créditos en cobro judicial | 296,911.0 | 171,388.2 | 258,990.4 | 61,261.6 | 6,808.4 | 10,753.2 | 4,726.1 | 0.0 | 810,838.8 | | Intereses y Comisiones por Cobrar sobre Creditos | 237,233.7 | 222,237.8 | 168,097.9 | 79,138.7 | 42,457.6 | 48,003.1 | 12,064.4 | 6,507.1 | 815,740.4 | | Provisiones por incobrabilidad de cartera de creditos | -520,753.5 | -370,742.9 | -560,121.6 | -174,582.4 | -161,131.7 | -104,362.6 | -36,107.9 | -4,840.1 | -1,932,642.8 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 123,478.9 | 182,070.8 | 65,493.5 | 23,783.0 | 4,645.5 | 9,431.0 | 2,059.8 | 1,638.7 | 412,601.1 | | Bienes de uso, neto | 669,834.7 | 247,186.0 | 449,445.8 | 86,639.7 | 85,527.0 | 278,022.1 | 11,145.6 | 4,913.2 | 1,832,714.2 | | Bienes recibidos en recuperacion de creditos, neto | 37,220.0 | 59,264.7 | 14,470.8 | 6,203.4 | 2,137.1 | 21,791.8 | 12,633.4 | 0.0 | 153,721.2 | | Invesiones permanentes en acciones | 61,017.1 | 373,703.7 | 48,191.8 | 4,268.4 | 0.0 | 0.0 | 0.0 | 0.0 | 487,181.0 | | Otros activos neto | 101,637.9 | 303,389.7 | 243,396.1 | 96,980.4 | 23,261.0 | 31,878.0 | 23,999.3 | 7,494.0 | 832,036.4 | | Pasivo | 35,045,288.3 | 26,381,043.8 | 22,187,672.1 | 10,670,339.9 | 4,819,540.9 | 2,816,604.2 | 543,873.9 | 192,921.0 | 102,657,284.2 | | Obligaciones con el Público | 30,805,310.1 | 22,591,396.0 | 19,806,662.7 | 8,965,889.6 | 4,557,024.3 | 2,469,187.0 | 0.0 | 0.0 | 89,195,469.6 | | Moneda Nacional | 8,918,207.7 | 5,952,785.8 | 5,037,264.7 | 2,271,227.4 | 803,639.5 | 413,205.3 | 0.0 | 0.0 | 23,396,330.3 | | Depositos a la Vista | 3,328,288.2 | 2,765,165.6 | 2,968,166.0 | 743,971.4 | 421,613.8 | 160,909.7 | 0.0 | 0.0 | 10,388,114.7 | | Depositos de Ahorro | 4,162,873.6 | 2,460,550.1 | 1,429,304.3 | 1,381,058.7 | 180,690.1 | 222,689.1 | 0.0 | 0.0 | 9,837,165.9 | | Depositos a Plazo | 1,427,045.9 | 727,070.1 | 639,794.3 | 146,197.3 | 201,335.6 | 29,606.5 | 0.0 | 0.0 | 3,171,049.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 19,727,967.1 | 16,193,360.1 | 14,549,387.7 | 6,551,795.9 | 3,714,814.5 | 2,001,161.4 | 0.0 | 0.0 | 62,738,486.6 | | Depositos a la Vista | 4,865,280.2 | 5,891,319.7 | 4,238,496.4 | 514,632.2 | 1,008,657.7 | 175,538.5 | 0.0 | 0.0 | 16,693,924.7 | | Depositos de Ahorro | 10,143,506.9 | 7,007,089.5 | 6,231,658.4 | 3,730,826.5 | 1,715,109.8 | 888,775.5 | 0.0 | 0.0 | 29,716,966.5 | | Depositos a Plazo | 4,719,180.0 | 3,294,950.9 | 4,079,232.9 | 2,306,337.2 | 991,047.0 | 936,847.4 | 0.0 | 0.0 | 16,327,595.4 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 2,075,337.5 | 385,869.0 | 169,735.5 | 86,462.3 | 24,660.5 | 38,225.3 | 0.0 | 0.0 | 2,780,290.1 | | Cargos financieros por pagar sobre obligaciones con el Público | 83,797.9 | 59,381.0 | 50,274.8 | 56,404.0 | 13,909.9 | 16,595.1 | 0.0 | 0.0 | 280,362.6 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,216,676.8 | 2,512,380.7 | 1,653,843.7 | 1,183,695.2 | 44,964.8 | 71,860.1 | 509,553.3 | 174,115.0 | 9,367,089.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 200,398.9 | 197,671.0 | 73,489.8 | 116,207.2 | 0.0 | 0.0 | 22.9 | 0.0 | 587,789.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 153,914.6 | 284,048.0 | 334,423.1 | 206,167.9 | 44,868.9 | 0.0 | 0.0 | 0.0 | 1,023,422.6 | | Préstamos de Otras Instituciones Financieras del Exterior | 239,301.0 | 0.0 | 0.0 | 0.0 | 0.0 | 71,790.3 | 0.0 | 142,116.9 | 453,208.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,623,062.3 | 2,030,661.8 | 1,245,930.8 | 861,320.1 | 95.9 | 69.8 | 509,530.4 | 31,998.1 | 7,302,669.2 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 380,591.7 | 179.7 | 0.0 | 204,312.9 | 0.0 | 15,002.1 | 0.0 | 0.0 | 600,086.4 | | Operaciones con Reportos y Valores Derivados | 119,721.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 119,721.0 | | Otras cuentas por pagar | 104,231.3 | 422,139.2 | 345,510.3 | 34,404.2 | 38,052.9 | 18,541.9 | 5,865.6 | 2,744.9 | 971,490.4 | | Otros pasivos y provisiones | 316,414.6 | 330,692.3 | 381,655.4 | 113,633.6 | 179,498.9 | 71,938.3 | 28,455.1 | 16,061.1 | 1,438,349.1 | | Obligaciones subordinadas | 102,342.7 | 524,255.9 | 0.0 | 168,404.6 | 0.0 | 170,074.8 | 0.0 | 0.0 | 965,077.9 | | 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 | 3,069,992.2 | 2,477,406.7 | 3,287,904.6 | 1,075,850.7 | 784,748.0 | 277,061.0 | 173,539.1 | 104,299.7 | 11,250,802.1 | | Capital social pagado | 1,520,500.0 | 1,344,400.0 | 1,555,000.0 | 700,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 6,442,998.4 | | 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 | 3,342.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,142.1 | | 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 | 437,819.5 | 199,529.7 | 615,031.4 | 24,286.2 | 176,711.8 | -473,147.7 | -79,072.2 | -91.0 | 901,067.7 | | Resultados del Periodo | 505,580.0 | 482,010.2 | 583,992.2 | 187,621.1 | 147,000.5 | -11,946.6 | 14,830.3 | 4,390.7 | 1,913,478.5 | | Cuentas contingentes | 9,925,256.0 | 6,642,956.1 | 6,139,581.7 | 547,051.7 | 4,965,585.6 | 2,460.7 | 0.0 | 0.0 | 28,222,891.8 | | Cuentas de orden | 41,865,273.9 | 24,843,562.2 | 4,230,055.7 | 20,693,661.7 | 3,407,329.0 | 7,611,677.3 | 1,752,953.0 | 508,210.1 | 104,912,723.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2011 C$ 22.7901 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2012 C$ 23.9301 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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