| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 37,613,815.0 | 31,964,815.2 | 27,026,528.5 | 12,024,621.0 | 5,677,085.8 | 3,209,339.0 | 708,591.5 | 323,445.5 | 118,548,241.4 | | Disponibilidades | 8,426,156.8 | 8,105,742.3 | 7,361,124.6 | 2,474,833.1 | 1,304,921.0 | 732,562.3 | 44,364.8 | 24,980.0 | 28,474,684.9 | | Moneda Nacional | 2,877,533.2 | 2,936,822.7 | 2,162,978.2 | 1,097,401.1 | 336,731.7 | 180,043.3 | 28,927.9 | 8,370.3 | 9,628,808.5 | | Caja | 951,604.3 | 598,794.6 | 908,415.1 | 144,695.5 | 70,828.8 | 100,378.7 | 4,103.6 | 4,661.5 | 2,783,482.2 | | Banco Central de Nicaragua | 697,106.4 | 958,748.9 | 322,820.5 | 421,745.0 | 154,625.1 | 13,181.9 | 18,208.1 | 0.0 | 2,586,435.8 | | Depositos e Instituciones Financieras del Pais | 20,876.4 | 0.0 | 0.0 | 183,939.5 | 9,720.3 | 2,081.2 | 6,616.2 | 3,708.8 | 226,942.3 | | Otras disponibilidades | 1,207,946.1 | 1,379,279.2 | 931,742.6 | 347,021.1 | 101,557.6 | 64,401.6 | 0.0 | 0.0 | 4,031,948.2 | | | | | | | | | | | | | Moneda Extranjera | 5,548,623.5 | 5,168,919.6 | 5,198,146.4 | 1,377,432.0 | 968,189.3 | 552,519.1 | 15,436.9 | 16,609.7 | 18,845,876.5 | | Caja | 544,380.7 | 307,498.4 | 639,630.1 | 114,766.2 | 64,193.2 | 85,787.0 | 1,731.7 | 4,536.8 | 1,762,523.9 | | Banco Central de Nicaragua | 707,014.1 | 534,101.1 | 1,011,829.7 | 0.0 | 315,190.7 | 74,220.0 | 9,925.8 | 0.0 | 2,652,281.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 15,056.2 | 0.0 | 11,670.5 | 3,779.4 | 12,072.9 | 42,579.0 | | Depositos en Instituciones Financieras del exterior | 1,096,564.5 | 773,002.6 | 1,531,055.7 | 260,653.2 | 109,717.2 | 61,368.3 | 0.0 | 0.0 | 3,832,361.6 | | Otras disponibilidades | 3,200,664.2 | 3,554,317.6 | 2,015,630.9 | 986,956.4 | 479,088.2 | 319,473.2 | 0.0 | 0.0 | 10,556,130.5 | | | | | | | | | | | | | Inversiones en valores, neto | 9,861,323.2 | 5,456,123.8 | 988,362.9 | 1,326,760.1 | 300,802.3 | 0.0 | 0.0 | 0.0 | 17,933,372.3 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,239,038.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,239,038.2 | | Inversiones Disponibles para la Venta | 193,266.9 | 3,415,606.1 | 988,362.9 | 0.0 | 300,802.3 | 0.0 | 0.0 | 0.0 | 4,898,038.3 | | Inversiones Mantenidas Hasta el Vencimiento | 7,429,018.0 | 2,040,517.7 | 0.0 | 1,326,760.1 | 0.0 | 0.0 | 0.0 | 0.0 | 10,796,295.8 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 66,496.0 | 0.0 | 0.0 | 22,405.7 | 0.0 | 0.0 | 0.0 | 0.0 | 88,901.8 | | | | | | | | | | | | | Cartera de Creditos, neta | 18,259,816.5 | 17,038,474.7 | 18,063,931.7 | 7,993,723.7 | 3,957,717.8 | 2,101,704.5 | 614,502.0 | 281,397.0 | 68,311,267.7 | | Créditos vigentes | 17,644,100.1 | 16,507,021.1 | 17,905,706.0 | 7,866,848.6 | 3,856,283.7 | 2,002,488.9 | 610,969.2 | 278,040.6 | 66,671,458.2 | | Créditos prorrogados | 0.0 | 5,557.9 | 63,462.5 | 0.0 | 0.0 | 0.0 | 0.0 | 46.8 | 69,067.2 | | Créditos reestructurados | 520,027.1 | 440,954.5 | 132,953.6 | 145,580.1 | 145,448.1 | 121,900.5 | 10,374.5 | 608.8 | 1,517,847.2 | | Créditos vencidos | 69,315.5 | 43,315.0 | 86,557.9 | 36,538.2 | 70,872.9 | 14,463.1 | 7,044.0 | 1,750.7 | 329,857.3 | | Créditos en cobro judicial | 290,373.4 | 202,458.1 | 278,237.8 | 57,459.3 | 6,849.6 | 2,302.0 | 2,749.2 | 0.0 | 840,429.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 287,863.6 | 260,769.9 | 186,981.0 | 85,236.9 | 44,504.2 | 51,944.7 | 12,508.0 | 6,660.7 | 936,468.8 | | Provisiones por incobrabilidad de cartera de creditos | -551,863.3 | -421,601.8 | -589,967.1 | -197,939.4 | -166,240.8 | -91,394.6 | -29,142.9 | -5,710.7 | -2,053,860.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 109,053.6 | 195,218.5 | 63,154.7 | 23,332.8 | 8,340.8 | 16,341.8 | 2,392.9 | 1,498.3 | 419,333.3 | | Bienes de uso, neto | 690,717.3 | 247,592.9 | 456,980.6 | 90,126.4 | 84,352.7 | 277,234.1 | 11,870.8 | 6,524.3 | 1,865,399.1 | | Bienes recibidos en recuperacion de creditos, neto | 28,723.3 | 51,580.8 | 10,990.5 | 6,483.0 | 1,549.6 | 14,599.2 | 11,074.5 | 0.0 | 125,000.9 | | Invesiones permanentes en acciones | 68,878.9 | 484,952.8 | 49,561.0 | 4,490.8 | 0.0 | 0.0 | 0.0 | 0.0 | 607,883.5 | | Otros activos neto | 102,649.4 | 385,129.4 | 32,422.5 | 82,465.4 | 19,401.5 | 66,897.0 | 24,386.6 | 9,046.0 | 722,397.9 | | Pasivo | 34,361,105.4 | 29,250,821.3 | 23,531,400.9 | 10,874,968.6 | 4,891,482.9 | 2,911,555.7 | 522,746.1 | 220,505.8 | 106,564,586.7 | | Obligaciones con el Público | 29,582,073.9 | 24,930,447.8 | 21,423,886.7 | 9,068,874.9 | 4,651,604.0 | 2,596,889.8 | 0.0 | 0.0 | 92,253,777.1 | | Moneda Nacional | 9,379,565.3 | 6,471,096.2 | 5,276,520.3 | 2,509,770.6 | 781,219.6 | 408,282.4 | 0.0 | 0.0 | 24,826,454.4 | | Depositos a la Vista | 3,983,003.5 | 3,297,703.1 | 3,338,960.3 | 961,062.5 | 404,520.2 | 147,131.8 | 0.0 | 0.0 | 12,132,381.5 | | Depositos de Ahorro | 4,500,137.9 | 2,595,946.6 | 1,369,148.4 | 1,320,446.6 | 214,668.3 | 226,402.1 | 0.0 | 0.0 | 10,226,749.8 | | Depositos a Plazo | 896,423.9 | 577,446.5 | 568,411.7 | 228,261.5 | 162,031.1 | 34,748.4 | 0.0 | 0.0 | 2,467,323.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 19,342,723.5 | 18,071,860.9 | 15,949,055.3 | 6,436,008.9 | 3,831,319.6 | 2,141,458.1 | 0.0 | 0.0 | 65,772,426.3 | | Depositos a la Vista | 4,265,485.0 | 4,881,080.2 | 4,962,180.7 | 463,396.7 | 987,589.4 | 177,674.6 | 0.0 | 0.0 | 15,737,406.7 | | Depositos de Ahorro | 10,302,016.2 | 9,612,571.1 | 6,712,260.2 | 3,574,966.0 | 1,722,273.0 | 957,200.7 | 0.0 | 0.0 | 32,881,287.2 | | Depositos a Plazo | 4,775,222.3 | 3,578,209.7 | 4,274,614.4 | 2,397,646.2 | 1,121,457.1 | 1,006,582.7 | 0.0 | 0.0 | 17,153,732.4 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 782,774.3 | 326,236.1 | 138,238.2 | 66,744.6 | 23,595.9 | 28,590.8 | 0.0 | 0.0 | 1,366,180.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 77,010.7 | 61,254.6 | 60,072.8 | 56,350.8 | 15,468.9 | 18,558.6 | 0.0 | 0.0 | 288,716.5 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,946,659.3 | 2,979,373.6 | 1,633,970.9 | 1,254,354.8 | 30,337.2 | 0.0 | 490,159.6 | 200,152.2 | 10,535,007.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 195,146.6 | 172,593.2 | 141,835.3 | 113,630.7 | 0.0 | 0.0 | 17.4 | 0.0 | 623,223.4 | | Préstamos del Banco Centroaméricano de Integración Económica | 489,900.4 | 300,928.2 | 270,722.2 | 191,945.4 | 30,282.1 | 0.0 | 0.0 | 0.0 | 1,283,778.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 484,514.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 182,027.9 | 666,541.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,777,098.3 | 2,505,852.2 | 1,221,413.4 | 948,778.6 | 55.1 | 0.0 | 490,142.2 | 18,124.3 | 7,961,464.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 346,877.7 | 493.2 | 0.0 | 232,774.8 | 0.0 | 30,513.9 | 0.0 | 0.0 | 610,659.6 | | 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 | 99,609.7 | 464,284.2 | 138,007.9 | 36,125.3 | 30,300.9 | 56,054.6 | 6,338.2 | 4,292.3 | 835,013.3 | | Otros pasivos y provisiones | 288,369.3 | 347,547.3 | 335,535.4 | 112,342.6 | 179,240.8 | 64,301.1 | 26,248.2 | 16,061.2 | 1,369,646.0 | | Obligaciones subordinadas | 97,515.5 | 528,675.3 | 0.0 | 170,496.1 | 0.0 | 163,796.2 | 0.0 | 0.0 | 960,483.1 | | 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 | 3,252,709.5 | 2,713,993.9 | 3,495,127.5 | 1,149,652.4 | 785,602.9 | 297,783.3 | 185,845.4 | 102,939.8 | 11,983,654.7 | | 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 | -4.0 | 1,787.5 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,583.5 | | Reservas patrimoniales | 579,746.4 | 547,844.0 | 640,621.7 | 199,303.3 | 218,505.2 | 32,871.6 | 17,736.9 | 0.0 | 2,236,629.1 | | Resultados acumulados de ejercicios anteriores | 979,856.7 | 768,416.8 | 1,224,429.1 | 222,898.1 | 284,364.5 | -470,711.0 | -57,704.0 | 3,687.5 | 2,955,237.8 | | Resultados del Periodo | 50,610.4 | 51,544.9 | 74,276.7 | 27,451.0 | 12,733.1 | 6,339.1 | 1,997.5 | -747.8 | 224,205.1 | | Cuentas contingentes | 8,815,792.0 | 7,206,453.4 | 5,813,661.5 | 552,450.6 | 5,163,309.7 | 2,133.8 | 0.0 | 0.0 | 27,553,801.0 | | Cuentas de orden | 43,242,113.5 | 23,132,007.3 | 55,367,676.2 | 21,766,484.6 | 3,601,000.7 | 7,796,417.4 | 1,685,577.1 | 560,087.4 | 157,151,364.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2012 C$ 23.0718 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2013 C$ 24.2257 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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