| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 36,095,877.1 | 30,406,264.4 | 25,587,782.4 | 11,613,151.5 | 5,457,150.3 | 3,155,674.9 | 727,088.0 | 317,402.3 | 113,360,390.8 | | Disponibilidades | 7,224,480.0 | 7,297,478.1 | 6,224,994.5 | 2,217,745.2 | 967,408.2 | 700,196.9 | 57,851.0 | 24,905.6 | 24,715,059.3 | | Moneda Nacional | 2,535,443.7 | 2,925,573.0 | 1,692,019.5 | 731,867.5 | 234,366.1 | 174,866.4 | 25,715.2 | 11,949.5 | 8,331,800.8 | | Caja | 790,910.8 | 488,684.2 | 810,733.3 | 145,315.4 | 43,281.4 | 72,146.7 | 2,342.4 | 4,976.7 | 2,358,390.9 | | Banco Central de Nicaragua | 707,565.2 | 1,429,947.6 | 250,236.3 | 260,094.6 | 96,220.9 | 40,123.3 | 15,208.3 | 0.0 | 2,799,396.2 | | Depositos e Instituciones Financieras del Pais | 8,410.7 | 0.0 | 0.0 | 3,831.7 | 8,635.8 | 1,796.9 | 8,164.5 | 6,972.9 | 37,812.5 | | Otras disponibilidades | 1,028,556.9 | 1,006,941.2 | 631,049.8 | 322,626.0 | 86,228.0 | 60,799.4 | 0.0 | 0.0 | 3,136,201.3 | | | | | | | | | | | | | Moneda Extranjera | 4,689,036.3 | 4,371,905.1 | 4,532,975.0 | 1,485,877.7 | 733,042.1 | 525,330.5 | 32,135.7 | 12,956.0 | 16,383,258.5 | | Caja | 458,041.7 | 259,177.2 | 552,952.7 | 132,321.3 | 84,742.9 | 87,207.6 | 1,174.2 | 5,065.3 | 1,580,682.8 | | Banco Central de Nicaragua | 356,904.9 | 213,754.8 | 801,658.8 | 23,885.4 | 157,388.2 | 55,794.7 | 21,947.5 | 0.0 | 1,631,334.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 13,469.3 | 0.0 | 6,116.1 | 9,014.0 | 7,890.7 | 36,490.2 | | Depositos en Instituciones Financieras del exterior | 930,765.3 | 737,069.0 | 1,322,225.5 | 337,608.4 | 40,491.9 | 70,958.2 | 0.0 | 0.0 | 3,439,118.3 | | Otras disponibilidades | 2,943,324.4 | 3,161,904.2 | 1,856,138.1 | 978,593.3 | 450,419.1 | 305,254.0 | 0.0 | 0.0 | 9,695,633.2 | | | | | | | | | | | | | Inversiones en valores, neto | 9,641,369.9 | 5,140,145.6 | 1,101,708.9 | 1,312,402.5 | 419,636.4 | 0.0 | 0.0 | 0.0 | 17,615,263.3 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,763,659.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,763,659.0 | | Inversiones Disponibles para la Venta | 228,686.1 | 3,324,111.0 | 1,101,708.9 | 0.0 | 419,636.4 | 0.0 | 0.0 | 0.0 | 5,074,142.4 | | Inversiones Mantenidas Hasta el Vencimiento | 7,649,024.7 | 1,816,034.6 | 0.0 | 1,312,402.5 | 0.0 | 0.0 | 0.0 | 0.0 | 10,777,461.9 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 66,103.7 | 0.0 | 0.0 | 22,266.5 | 0.0 | 0.0 | 0.0 | 0.0 | 88,370.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 18,179,348.0 | 16,812,030.1 | 17,654,857.4 | 7,853,844.5 | 3,926,929.4 | 2,116,305.2 | 618,408.9 | 276,165.9 | 67,437,889.4 | | Créditos vigentes | 17,568,037.6 | 16,241,294.9 | 17,502,332.9 | 7,727,836.7 | 3,817,936.8 | 2,010,955.3 | 611,955.9 | 271,783.2 | 65,752,133.3 | | Créditos prorrogados | 0.0 | 1,184.2 | 72,367.7 | 0.0 | 0.0 | 0.0 | 0.0 | 46.6 | 73,598.5 | | Créditos reestructurados | 522,437.4 | 450,864.2 | 132,529.4 | 149,145.7 | 148,280.3 | 127,151.5 | 11,849.6 | 606.3 | 1,542,864.3 | | Créditos vencidos | 68,258.3 | 77,988.8 | 87,107.7 | 39,120.6 | 74,517.8 | 16,232.1 | 7,451.7 | 1,833.9 | 372,510.9 | | Créditos en cobro judicial | 284,054.3 | 201,711.1 | 260,029.9 | 58,852.0 | 6,860.2 | 2,809.6 | 3,015.6 | 0.0 | 817,332.7 | | Intereses y Comisiones por Cobrar sobre Creditos | 269,107.1 | 248,658.2 | 178,636.0 | 83,342.7 | 45,438.9 | 53,078.8 | 13,312.2 | 7,151.5 | 898,725.4 | | Provisiones por incobrabilidad de cartera de creditos | -532,546.7 | -409,671.4 | -578,146.1 | -204,453.1 | -166,104.6 | -93,922.1 | -29,176.1 | -5,255.5 | -2,019,275.7 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 117,368.7 | 190,249.4 | 57,813.5 | 21,942.4 | 40,369.4 | 7,276.9 | 2,639.8 | 2,214.8 | 439,874.8 | | Bienes de uso, neto | 685,293.9 | 246,335.0 | 460,322.5 | 91,243.8 | 85,961.0 | 278,870.0 | 11,023.5 | 6,451.5 | 1,865,501.4 | | Bienes recibidos en recuperacion de creditos, neto | 28,816.4 | 52,342.9 | 11,550.4 | 6,165.1 | 1,688.3 | 17,414.4 | 11,314.7 | 0.0 | 129,292.2 | | Invesiones permanentes en acciones | 68,878.9 | 373,703.7 | 48,628.7 | 4,490.8 | 0.0 | 0.0 | 0.0 | 0.0 | 495,702.2 | | Otros activos neto | 84,217.6 | 293,979.6 | 27,906.4 | 83,050.7 | 15,157.7 | 35,611.5 | 25,850.1 | 7,664.5 | 573,438.1 | | Pasivo | 32,893,773.9 | 27,823,816.8 | 22,166,931.7 | 10,490,950.1 | 4,684,280.6 | 2,864,230.7 | 543,240.1 | 213,714.7 | 101,680,938.5 | | Obligaciones con el Público | 28,524,980.7 | 23,762,892.3 | 20,263,030.1 | 8,698,531.9 | 4,423,015.6 | 2,501,422.1 | 0.0 | 0.0 | 88,173,872.7 | | Moneda Nacional | 8,087,572.6 | 6,128,763.4 | 4,802,434.3 | 2,170,938.8 | 662,942.9 | 389,011.1 | 0.0 | 0.0 | 22,241,663.1 | | Depositos a la Vista | 3,121,668.6 | 3,080,805.6 | 2,854,441.2 | 806,377.7 | 289,754.2 | 130,778.1 | 0.0 | 0.0 | 10,283,825.3 | | Depositos de Ahorro | 4,104,721.3 | 2,421,156.9 | 1,364,886.3 | 1,239,690.4 | 169,902.0 | 223,658.5 | 0.0 | 0.0 | 9,524,015.5 | | Depositos a Plazo | 861,182.7 | 626,800.9 | 583,106.8 | 124,870.6 | 203,286.6 | 34,574.5 | 0.0 | 0.0 | 2,433,822.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 19,580,580.9 | 17,265,680.7 | 15,267,663.8 | 6,407,168.4 | 3,717,686.5 | 2,069,655.2 | 0.0 | 0.0 | 64,308,435.5 | | Depositos a la Vista | 4,942,311.1 | 5,471,638.9 | 4,553,126.1 | 456,780.2 | 971,020.8 | 181,774.3 | 0.0 | 0.0 | 16,576,651.4 | | Depositos de Ahorro | 9,924,613.5 | 8,395,605.5 | 6,522,268.0 | 3,546,702.4 | 1,744,270.6 | 915,462.9 | 0.0 | 0.0 | 31,048,922.8 | | Depositos a Plazo | 4,713,656.3 | 3,398,436.3 | 4,192,269.8 | 2,403,685.8 | 1,002,395.2 | 972,417.9 | 0.0 | 0.0 | 16,682,861.4 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 778,113.1 | 306,241.5 | 135,789.7 | 63,401.2 | 27,505.9 | 25,049.1 | 0.0 | 0.0 | 1,336,100.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 78,714.1 | 62,206.6 | 57,142.3 | 57,023.6 | 14,880.3 | 17,706.7 | 0.0 | 0.0 | 287,673.6 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,499,236.2 | 2,805,570.0 | 1,400,288.5 | 1,275,857.0 | 45,519.8 | 72,453.9 | 510,766.3 | 196,544.5 | 9,806,236.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 197,255.6 | 178,060.9 | 141,999.0 | 114,458.1 | 0.0 | 0.0 | 19.3 | 0.0 | 631,792.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 303,472.1 | 304,205.3 | 334,138.2 | 197,593.8 | 45,235.3 | 0.0 | 0.0 | 0.0 | 1,184,644.6 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 72,376.5 | 0.0 | 179,465.6 | 251,842.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,998,508.6 | 2,323,303.7 | 924,151.4 | 963,805.1 | 284.5 | 77.4 | 510,747.1 | 17,078.9 | 7,737,956.6 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 346,726.7 | 366.6 | 0.0 | 206,953.6 | 0.0 | 30,323.5 | 0.0 | 0.0 | 584,370.3 | | 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 | 136,837.0 | 419,014.7 | 169,602.2 | 37,099.1 | 62,176.1 | 34,141.3 | 5,795.0 | 2,163.6 | 866,828.9 | | Otros pasivos y provisiones | 289,275.2 | 311,809.9 | 334,010.9 | 103,407.5 | 153,569.1 | 64,380.0 | 26,678.8 | 15,006.6 | 1,298,137.8 | | Obligaciones subordinadas | 96,718.1 | 524,163.4 | 0.0 | 169,101.0 | 0.0 | 161,509.9 | 0.0 | 0.0 | 951,492.5 | | 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 | 3,202,103.2 | 2,582,447.6 | 3,420,850.8 | 1,122,201.4 | 772,869.7 | 291,444.3 | 183,847.9 | 103,687.5 | 11,679,452.4 | | Capital social pagado | 1,642,500.0 | 1,344,400.0 | 1,555,000.0 | 700,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 6,564,998.4 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Aportes patrimoniales no capitalizables | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.8 | | 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 | 12,342.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,142.1 | | Reservas patrimoniales | 579,746.4 | 448,124.2 | 533,080.9 | 163,943.4 | 191,035.8 | 32,871.6 | 13,966.0 | 0.0 | 1,962,768.3 | | Resultados acumulados de ejercicios anteriores | 342,165.9 | 199,529.7 | 615,031.4 | 22,525.0 | 128,704.6 | -473,147.7 | -79,072.2 | -91.0 | 755,645.6 | | Resultados del Periodo | 637,690.9 | 578,051.1 | 716,938.5 | 235,733.1 | 183,129.3 | 2,436.7 | 25,139.1 | 3,778.5 | 2,382,897.2 | | Cuentas contingentes | 8,536,287.5 | 7,062,697.8 | 5,969,917.3 | 563,860.0 | 5,128,215.1 | 427.7 | 0.0 | 0.0 | 27,261,405.4 | | Cuentas de orden | 42,297,559.4 | 24,749,508.7 | 52,792,881.5 | 21,564,338.4 | 3,552,118.5 | 7,739,941.4 | 1,686,795.3 | 544,596.5 | 154,927,739.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2011 C$ 22.9767 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2012 C$ 24.1255 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
