| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 37,890,279.5 | 29,653,472.3 | 25,942,735.8 | 11,825,136.1 | 5,630,908.8 | 3,095,990.0 | 716,541.5 | 302,174.6 | 115,057,238.5 | | Disponibilidades | 9,155,681.4 | 7,425,169.3 | 6,758,989.3 | 2,571,317.8 | 1,063,438.6 | 644,530.1 | 55,126.9 | 21,381.8 | 27,695,635.1 | | Moneda Nacional | 3,161,303.3 | 3,294,430.4 | 1,782,828.5 | 898,915.4 | 287,264.2 | 193,919.9 | 20,719.9 | 9,669.5 | 9,649,051.1 | | Caja | 1,436,474.9 | 622,561.3 | 911,085.9 | 154,151.6 | 60,163.7 | 103,570.9 | 5,028.5 | 4,228.7 | 3,297,265.5 | | Banco Central de Nicaragua | 495,032.0 | 1,511,223.8 | 75,323.8 | 159,524.1 | 100,531.7 | 20,289.8 | 5,208.5 | 0.0 | 2,367,133.7 | | Depositos e Instituciones Financieras del Pais | 10,502.2 | 0.0 | 0.0 | 173,776.5 | 10,420.7 | 1,595.1 | 10,482.9 | 5,440.8 | 212,218.1 | | Otras disponibilidades | 1,219,294.2 | 1,160,645.3 | 796,418.7 | 411,463.3 | 116,148.1 | 68,464.2 | 0.0 | 0.0 | 3,772,433.9 | | | | | | | | | | | | | Moneda Extranjera | 5,994,378.2 | 4,130,738.9 | 4,976,160.9 | 1,672,402.4 | 776,174.4 | 450,610.1 | 34,407.0 | 11,712.2 | 18,046,584.0 | | Caja | 534,029.2 | 239,191.9 | 730,977.6 | 117,506.5 | 79,266.1 | 75,658.2 | 1,653.9 | 5,756.3 | 1,784,039.7 | | Banco Central de Nicaragua | 1,267,568.6 | 146,581.8 | 781,380.6 | 39,835.4 | 33,143.6 | 10,472.7 | 19,694.6 | 0.0 | 2,298,677.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 13,511.0 | 0.0 | 2,538.0 | 13,058.4 | 5,955.9 | 35,063.4 | | Depositos en Instituciones Financieras del exterior | 1,151,936.5 | 566,877.6 | 1,595,786.2 | 512,700.1 | 176,639.9 | 59,888.6 | 0.0 | 0.0 | 4,063,829.0 | | Otras disponibilidades | 3,040,843.8 | 3,178,087.6 | 1,868,016.4 | 988,849.4 | 487,124.7 | 302,052.6 | 0.0 | 0.0 | 9,864,974.5 | | | | | | | | | | | | | Inversiones en valores, neto | 10,010,161.9 | 5,419,432.4 | 1,093,952.8 | 1,308,722.9 | 453,460.8 | 0.0 | 0.0 | 0.0 | 18,285,730.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,894,920.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,894,920.2 | | Inversiones Disponibles para la Venta | 251,375.6 | 3,084,351.4 | 1,093,952.8 | 10,795.8 | 453,460.8 | 0.0 | 0.0 | 0.0 | 4,893,936.4 | | Inversiones Mantenidas Hasta el Vencimiento | 7,863,866.1 | 2,335,081.1 | 0.0 | 1,297,927.1 | 0.0 | 0.0 | 0.0 | 0.0 | 11,496,874.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 78,069.8 | 0.0 | 0.0 | 22,128.2 | 0.0 | 0.0 | 0.0 | 0.0 | 100,198.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 17,672,431.7 | 15,647,729.6 | 17,229,968.4 | 7,711,162.9 | 3,972,033.6 | 2,116,559.0 | 612,420.8 | 265,696.7 | 65,228,002.8 | | Créditos vigentes | 17,024,614.2 | 15,107,154.5 | 17,021,187.0 | 7,545,446.9 | 3,859,261.7 | 2,014,821.0 | 611,950.7 | 261,711.8 | 63,446,147.8 | | Créditos prorrogados | 7,919.9 | 10,626.3 | 72,069.2 | 0.0 | 0.0 | 0.0 | 0.0 | 46.4 | 90,661.8 | | Créditos reestructurados | 550,772.9 | 447,236.0 | 132,657.8 | 153,183.9 | 151,525.1 | 131,078.1 | 12,984.3 | 542.1 | 1,579,980.3 | | Créditos vencidos | 68,658.0 | 43,118.8 | 152,322.8 | 48,873.3 | 73,197.8 | 12,998.9 | 7,069.3 | 1,501.3 | 407,740.2 | | Créditos en cobro judicial | 292,392.5 | 196,189.7 | 261,455.0 | 60,469.4 | 6,855.4 | 3,286.0 | 4,494.1 | 0.0 | 825,142.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 248,838.2 | 228,297.2 | 172,004.5 | 80,042.3 | 43,964.3 | 50,353.2 | 12,277.8 | 6,717.4 | 842,495.0 | | Provisiones por incobrabilidad de cartera de creditos | -520,764.0 | -384,892.7 | -581,728.1 | -176,852.9 | -162,770.6 | -95,978.2 | -36,355.4 | -4,822.6 | -1,964,164.4 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 112,095.2 | 179,990.4 | 67,567.6 | 23,338.2 | 7,266.3 | 11,654.8 | 1,938.4 | 1,721.7 | 405,572.6 | | Bienes de uso, neto | 684,649.3 | 248,043.0 | 452,376.4 | 87,899.2 | 85,361.2 | 274,989.5 | 11,015.0 | 4,925.6 | 1,849,259.0 | | Bienes recibidos en recuperacion de creditos, neto | 32,792.9 | 54,229.3 | 11,650.4 | 5,173.3 | 2,300.0 | 19,758.3 | 12,145.3 | 0.0 | 138,049.4 | | Invesiones permanentes en acciones | 61,017.1 | 373,703.7 | 48,377.7 | 4,268.4 | 0.0 | 0.0 | 0.0 | 0.0 | 487,366.9 | | Otros activos neto | 83,380.1 | 305,174.5 | 279,853.3 | 91,125.2 | 47,048.3 | 28,498.3 | 23,895.1 | 8,448.9 | 867,423.8 | | Pasivo | 34,756,408.7 | 27,120,632.4 | 22,592,991.2 | 10,728,318.8 | 4,878,259.4 | 2,811,548.5 | 540,581.1 | 198,168.2 | 103,626,908.3 | | Obligaciones con el Público | 29,839,678.4 | 23,055,834.0 | 20,241,150.1 | 8,925,348.7 | 4,612,263.4 | 2,462,922.0 | 0.0 | 0.0 | 89,137,196.6 | | Moneda Nacional | 8,924,037.8 | 6,058,541.5 | 4,865,313.6 | 2,326,146.1 | 819,825.8 | 412,364.5 | 0.0 | 0.0 | 23,406,229.2 | | Depositos a la Vista | 3,261,397.1 | 2,937,187.5 | 2,855,155.6 | 869,253.7 | 440,636.4 | 155,534.1 | 0.0 | 0.0 | 10,519,164.4 | | Depositos de Ahorro | 4,758,982.2 | 2,497,894.4 | 1,391,622.3 | 1,330,775.1 | 176,924.7 | 227,143.7 | 0.0 | 0.0 | 10,383,342.3 | | Depositos a Plazo | 903,658.5 | 623,459.6 | 618,535.7 | 126,117.4 | 202,264.7 | 29,686.7 | 0.0 | 0.0 | 2,503,722.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 20,066,223.1 | 16,568,693.9 | 15,164,237.3 | 6,461,552.3 | 3,746,713.9 | 1,997,376.5 | 0.0 | 0.0 | 64,004,797.0 | | Depositos a la Vista | 5,336,714.4 | 6,234,339.0 | 4,623,783.6 | 460,872.5 | 1,008,049.7 | 169,118.1 | 0.0 | 0.0 | 17,832,877.3 | | Depositos de Ahorro | 10,030,864.2 | 6,888,921.3 | 6,372,993.0 | 3,591,658.3 | 1,745,936.7 | 879,920.1 | 0.0 | 0.0 | 29,510,293.6 | | Depositos a Plazo | 4,698,644.6 | 3,445,433.6 | 4,167,460.6 | 2,409,021.6 | 992,727.5 | 948,338.2 | 0.0 | 0.0 | 16,661,626.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 768,069.5 | 368,280.2 | 157,270.3 | 80,161.1 | 31,413.7 | 35,736.2 | 0.0 | 0.0 | 1,440,931.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 81,347.9 | 60,318.4 | 54,329.0 | 57,489.2 | 14,310.0 | 17,444.8 | 0.0 | 0.0 | 285,239.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,014,259.5 | 2,770,276.0 | 1,587,682.6 | 1,282,101.8 | 45,228.0 | 72,141.1 | 510,140.7 | 178,586.7 | 10,460,416.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 198,293.1 | 183,683.1 | 143,581.5 | 115,301.8 | 0.0 | 0.0 | 21.1 | 0.0 | 640,880.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 137,381.6 | 280,981.8 | 332,760.1 | 204,651.6 | 45,048.8 | 0.0 | 0.0 | 0.0 | 1,000,823.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 600,650.0 | 0.0 | 0.0 | 0.0 | 0.0 | 72,078.0 | 0.0 | 160,706.0 | 833,434.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,077,934.8 | 2,305,611.1 | 1,111,341.0 | 962,148.4 | 179.2 | 63.1 | 510,119.6 | 17,880.8 | 7,985,278.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 366,861.4 | 254.6 | 0.0 | 200,229.8 | 0.0 | 15,124.1 | 0.0 | 0.0 | 582,469.8 | | 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 | 106,672.8 | 415,285.7 | 376,050.1 | 33,300.9 | 47,415.7 | 19,434.8 | 5,471.8 | 2,733.3 | 1,006,365.2 | | Otros pasivos y provisiones | 325,773.7 | 350,291.4 | 388,108.5 | 117,585.2 | 173,352.2 | 72,431.2 | 24,968.6 | 16,848.2 | 1,469,358.9 | | Obligaciones subordinadas | 103,162.8 | 528,690.8 | 0.0 | 169,752.5 | 0.0 | 169,495.4 | 0.0 | 0.0 | 971,101.6 | | 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 | 3,133,870.8 | 2,532,839.8 | 3,349,744.6 | 1,096,817.3 | 752,649.4 | 284,441.5 | 175,960.4 | 104,006.3 | 11,430,330.1 | | 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 | 13,489.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14,289.0 | | 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 | 128,704.6 | -473,147.7 | -79,072.2 | -91.0 | 853,060.5 | | Resultados del Periodo | 569,458.5 | 527,296.3 | 645,832.3 | 208,587.7 | 162,909.0 | -4,566.0 | 17,251.6 | 4,097.3 | 2,130,866.7 | | Cuentas contingentes | 8,729,364.4 | 6,786,810.5 | 6,208,237.2 | 551,123.0 | 4,996,718.9 | 2,470.0 | 0.0 | 0.0 | 27,274,724.0 | | Cuentas de orden | 42,108,481.1 | 24,520,562.6 | 4,138,285.7 | 21,128,387.1 | 3,387,057.8 | 7,667,576.0 | 1,691,920.9 | 529,475.4 | 105,171,746.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2011 C$ 22.8816 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2012 C$ 24.0260 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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