| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 37,043,099.0 | 33,109,803.5 | 27,084,069.5 | 12,131,951.4 | 5,762,417.3 | 3,225,772.4 | 718,119.7 | 346,367.4 | 119,421,600.4 | | Disponibilidades | 8,413,448.6 | 7,950,681.6 | 7,628,267.6 | 2,797,115.1 | 1,232,812.2 | 769,104.5 | 51,532.0 | 38,818.2 | 28,881,780.0 | | Moneda Nacional | 3,187,901.3 | 2,167,515.0 | 2,102,659.7 | 1,266,675.0 | 329,715.5 | 168,014.7 | 27,309.0 | 10,623.2 | 9,260,413.5 | | Caja | 920,795.5 | 635,552.5 | 916,209.9 | 127,703.4 | 68,172.4 | 69,875.5 | 4,403.6 | 5,641.7 | 2,748,354.4 | | Banco Central de Nicaragua | 868,119.5 | 333,965.0 | 354,694.7 | 536,416.0 | 122,029.5 | 28,805.0 | 18,207.9 | 0.0 | 2,262,237.7 | | Depositos e Instituciones Financieras del Pais | 5,164.4 | 0.0 | 0.0 | 194,161.4 | 6,788.2 | 2,314.4 | 4,697.6 | 4,981.6 | 218,107.5 | | Otras disponibilidades | 1,393,822.0 | 1,197,997.5 | 831,755.1 | 408,394.1 | 132,725.4 | 67,019.8 | 0.0 | 0.0 | 4,031,713.9 | | | | | | | | | | | | | Moneda Extranjera | 5,225,547.3 | 5,783,166.7 | 5,525,607.9 | 1,530,440.1 | 903,096.7 | 601,089.9 | 24,223.0 | 28,195.0 | 19,621,366.5 | | Caja | 497,047.6 | 287,541.8 | 579,616.0 | 125,839.6 | 83,348.0 | 88,728.9 | 2,169.7 | 5,092.9 | 1,669,384.5 | | Banco Central de Nicaragua | 717,129.4 | 1,047,279.9 | 914,205.9 | 71,783.6 | 34,077.3 | 92,421.1 | 12,394.6 | 0.0 | 2,889,291.8 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 5,272.7 | 0.0 | 12,888.2 | 9,658.7 | 23,102.1 | 50,921.7 | | Depositos en Instituciones Financieras del exterior | 1,003,599.9 | 937,243.2 | 2,008,260.9 | 291,601.6 | 129,465.8 | 83,741.5 | 0.0 | 0.0 | 4,453,913.0 | | Otras disponibilidades | 3,007,770.3 | 3,511,101.8 | 2,023,525.1 | 1,035,942.6 | 656,205.6 | 323,310.1 | 0.0 | 0.0 | 10,557,855.5 | | | | | | | | | | | | | Inversiones en valores, neto | 9,225,877.4 | 6,624,636.1 | 870,527.7 | 1,139,410.8 | 375,182.4 | 0.0 | 0.0 | 0.0 | 18,235,634.3 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,966,058.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,966,058.5 | | Inversiones Disponibles para la Venta | 364,136.6 | 3,365,813.6 | 870,527.7 | 0.0 | 375,182.4 | 0.0 | 0.0 | 0.0 | 4,975,660.3 | | Inversiones Mantenidas Hasta el Vencimiento | 6,895,682.3 | 3,258,822.4 | 0.0 | 1,139,410.8 | 0.0 | 0.0 | 0.0 | 0.0 | 11,293,915.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 75,650.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75,650.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 18,310,813.2 | 17,141,740.9 | 17,975,220.8 | 7,993,013.1 | 4,041,020.3 | 2,089,807.5 | 616,019.0 | 289,335.6 | 68,456,970.3 | | Créditos vigentes | 17,750,396.5 | 16,602,713.2 | 17,816,025.3 | 7,865,975.9 | 3,942,022.0 | 1,999,543.0 | 614,185.8 | 285,380.3 | 66,876,241.9 | | Créditos prorrogados | 68.1 | 1,996.8 | 66,156.3 | 0.0 | 0.0 | 0.0 | 0.0 | 46.2 | 68,267.4 | | Créditos reestructurados | 500,073.5 | 452,340.3 | 128,765.4 | 143,061.6 | 142,957.3 | 119,044.3 | 10,044.0 | 622.2 | 1,496,908.6 | | Créditos vencidos | 58,149.5 | 24,261.6 | 80,316.5 | 36,414.7 | 70,998.9 | 16,449.9 | 6,904.0 | 1,634.9 | 295,130.0 | | Créditos en cobro judicial | 297,087.1 | 192,408.3 | 280,984.0 | 57,261.1 | 6,859.4 | 2,450.4 | 2,739.2 | 348.4 | 840,137.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 259,866.2 | 270,786.4 | 191,776.4 | 82,148.2 | 48,694.4 | 48,124.3 | 11,165.9 | 7,152.1 | 919,713.8 | | Provisiones por incobrabilidad de cartera de creditos | -554,827.8 | -402,765.6 | -588,802.9 | -191,848.4 | -170,511.7 | -95,804.5 | -29,020.0 | -5,848.5 | -2,039,429.3 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 125,442.3 | 194,117.6 | 62,971.7 | 24,767.7 | 8,872.9 | 11,684.8 | 2,226.6 | 1,240.3 | 431,324.0 | | Bienes de uso, neto | 687,056.7 | 249,783.0 | 455,033.0 | 88,653.7 | 71,566.5 | 274,987.5 | 13,562.6 | 8,120.9 | 1,848,764.0 | | Bienes recibidos en recuperacion de creditos, neto | 28,493.0 | 70,940.0 | 11,517.0 | 5,346.7 | 1,549.6 | 13,889.7 | 10,933.7 | 0.0 | 142,669.7 | | Invesiones permanentes en acciones | 68,878.9 | 484,952.8 | 50,315.2 | 4,490.8 | 0.0 | 0.0 | 0.0 | 0.0 | 608,637.7 | | Otros activos neto | 107,438.8 | 392,951.5 | 30,216.5 | 79,153.6 | 31,413.3 | 66,298.4 | 23,845.8 | 8,852.3 | 740,170.2 | | Pasivo | 33,736,963.5 | 30,349,375.8 | 23,521,736.2 | 10,964,998.2 | 4,951,408.3 | 2,925,682.5 | 530,499.9 | 242,819.6 | 107,223,484.0 | | Obligaciones con el Público | 29,360,795.4 | 25,979,957.0 | 21,306,627.7 | 9,184,068.4 | 4,719,793.1 | 2,611,869.4 | 0.0 | 0.0 | 93,163,111.0 | | Moneda Nacional | 9,107,981.5 | 6,514,667.6 | 5,473,367.8 | 2,548,219.4 | 743,562.8 | 428,045.8 | 0.0 | 0.0 | 24,815,844.9 | | Depositos a la Vista | 3,811,608.5 | 3,372,253.3 | 3,356,412.8 | 792,821.9 | 312,665.2 | 162,828.6 | 0.0 | 0.0 | 11,808,590.4 | | Depositos de Ahorro | 4,450,722.8 | 2,559,673.8 | 1,575,817.1 | 1,424,928.8 | 247,605.9 | 230,283.9 | 0.0 | 0.0 | 10,489,032.3 | | Depositos a Plazo | 845,650.2 | 582,740.5 | 541,137.9 | 330,468.7 | 183,291.7 | 34,933.3 | 0.0 | 0.0 | 2,518,222.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 19,136,243.5 | 18,908,661.1 | 15,604,354.8 | 6,518,842.3 | 3,933,631.7 | 2,138,289.0 | 0.0 | 0.0 | 66,240,022.3 | | Depositos a la Vista | 4,105,420.5 | 6,956,708.8 | 4,629,452.1 | 454,466.4 | 885,379.0 | 163,834.7 | 0.0 | 0.0 | 17,195,261.5 | | Depositos de Ahorro | 10,193,170.4 | 8,198,578.5 | 6,598,036.5 | 3,594,245.6 | 1,756,214.3 | 965,182.5 | 0.0 | 0.0 | 31,305,427.8 | | Depositos a Plazo | 4,837,652.6 | 3,753,373.7 | 4,376,866.1 | 2,470,130.3 | 1,292,038.4 | 1,009,271.8 | 0.0 | 0.0 | 17,739,333.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 1,042,661.0 | 494,275.5 | 168,880.8 | 62,031.9 | 28,144.4 | 25,912.3 | 0.0 | 0.0 | 1,821,905.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 73,909.3 | 62,352.8 | 60,024.4 | 54,974.8 | 14,454.2 | 19,622.4 | 0.0 | 0.0 | 285,338.0 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,508,116.2 | 2,998,454.5 | 1,739,610.1 | 1,269,825.6 | 30,513.1 | 0.0 | 497,076.7 | 220,055.4 | 10,263,651.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 193,699.1 | 168,037.9 | 139,783.9 | 112,752.3 | 0.0 | 0.0 | 15.6 | 0.0 | 614,288.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 484,531.5 | 299,624.4 | 402,438.1 | 192,664.8 | 30,395.6 | 0.0 | 0.0 | 0.0 | 1,409,654.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200,947.6 | 200,947.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,829,885.5 | 2,530,792.1 | 1,197,388.1 | 964,408.5 | 117.5 | 0.0 | 497,061.2 | 19,107.9 | 8,038,760.8 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 344,860.9 | 184.5 | 0.0 | 183,539.9 | 0.0 | 30,680.3 | 0.0 | 0.0 | 559,265.6 | | 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 | 129,204.1 | 469,168.8 | 136,190.9 | 32,946.5 | 41,498.7 | 51,362.9 | 5,447.6 | 5,783.6 | 871,603.2 | | Otros pasivos y provisiones | 295,747.2 | 368,835.2 | 339,307.6 | 122,854.6 | 159,603.4 | 65,895.1 | 27,975.5 | 16,673.2 | 1,396,891.8 | | Obligaciones subordinadas | 98,239.7 | 532,775.8 | 0.0 | 171,763.2 | 0.0 | 165,874.7 | 0.0 | 0.0 | 968,653.5 | | Impuestos diferidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 307.3 | 307.3 | | 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 | 3,306,135.5 | 2,760,427.7 | 3,562,333.3 | 1,166,953.2 | 811,009.0 | 300,090.0 | 187,619.9 | 103,547.8 | 12,198,116.4 | | 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 | -1.7 | -7,504.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -6,705.9 | | 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 | 104,034.1 | 107,270.5 | 141,482.5 | 44,751.8 | 38,139.3 | 8,645.7 | 3,772.0 | -139.7 | 447,956.2 | | Cuentas contingentes | 8,736,409.1 | 7,291,025.0 | 6,008,096.0 | 558,943.8 | 5,163,168.7 | 2,141.5 | 0.0 | 0.0 | 27,759,784.0 | | Cuentas de orden | 43,092,452.1 | 23,398,945.3 | 66,595,131.1 | 22,095,430.0 | 3,782,878.2 | 7,869,831.5 | 1,698,274.3 | 575,923.7 | 169,108,866.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 29 DE FEBRERO DE 2012 C$ 23.1612 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2013 C$ 24.3165 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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