| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 37,739,411.8 | 32,048,830.7 | 27,470,359.0 | 12,679,241.5 | 5,888,735.0 | 3,192,875.8 | 750,071.5 | 344,028.6 | 120,113,553.9 | | Disponibilidades | 7,730,723.2 | 6,427,637.1 | 7,739,498.1 | 2,946,894.7 | 1,180,529.4 | 769,769.5 | 52,333.4 | 27,470.2 | 26,874,855.5 | | Moneda Nacional | 2,112,592.2 | 1,708,045.8 | 2,148,717.4 | 1,126,813.0 | 232,899.8 | 152,658.2 | 24,053.8 | 11,816.4 | 7,517,596.5 | | Caja | 875,019.0 | 621,561.1 | 955,639.7 | 204,675.1 | 75,666.9 | 68,574.9 | 2,666.1 | 5,942.0 | 2,809,744.8 | | Banco Central de Nicaragua | 22,312.7 | 0.0 | 378,458.6 | 348,293.9 | 49,625.8 | 12,769.7 | 10,207.8 | 0.0 | 821,668.3 | | Depositos e Instituciones Financieras del Pais | 8,839.5 | 0.0 | 0.0 | 194,408.8 | 8,977.5 | 1,720.4 | 11,179.9 | 5,874.4 | 231,000.5 | | Otras disponibilidades | 1,206,421.0 | 1,086,484.7 | 814,619.1 | 379,435.2 | 98,629.7 | 69,593.3 | 0.0 | 0.0 | 3,655,183.0 | | | | | | | | | | | | | Moneda Extranjera | 5,618,131.0 | 4,719,591.3 | 5,590,780.7 | 1,820,081.7 | 947,629.6 | 617,111.3 | 28,279.7 | 15,653.8 | 19,357,259.0 | | Caja | 528,764.7 | 318,985.4 | 780,485.4 | 116,826.3 | 94,308.5 | 98,497.8 | 1,601.2 | 4,780.3 | 1,944,249.6 | | Banco Central de Nicaragua | 624,849.9 | 379,489.8 | 1,046,395.7 | 162,226.3 | 114,065.3 | 112,012.7 | 19,770.3 | 0.0 | 2,458,809.9 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 9,026.5 | 0.0 | 13,545.5 | 6,908.2 | 10,873.5 | 40,353.6 | | Depositos en Instituciones Financieras del exterior | 1,831,033.0 | 740,241.8 | 1,717,699.7 | 467,012.4 | 231,191.7 | 71,282.0 | 0.0 | 0.0 | 5,058,460.6 | | Otras disponibilidades | 2,633,483.3 | 3,280,874.4 | 2,046,199.9 | 1,064,990.2 | 508,064.1 | 321,773.4 | 0.0 | 0.0 | 9,855,385.2 | | | | | | | | | | | | | Inversiones en valores, neto | 10,411,453.6 | 6,197,265.0 | 870,680.1 | 1,347,228.2 | 468,988.4 | 0.0 | 24,436.6 | 0.0 | 19,320,051.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,791,942.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,791,942.9 | | Inversiones Disponibles para la Venta | 316,896.3 | 3,046,449.3 | 870,680.1 | 195,305.7 | 468,988.4 | 0.0 | 0.0 | 0.0 | 4,898,319.9 | | Inversiones Mantenidas Hasta el Vencimiento | 7,302,614.3 | 3,150,815.6 | 0.0 | 1,151,922.5 | 0.0 | 0.0 | 24,436.6 | 0.0 | 11,629,789.0 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 68,258.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 68,258.4 | | | | | | | | | | | | | Cartera de Creditos, neta | 18,542,605.3 | 18,008,417.4 | 18,200,089.5 | 8,179,241.1 | 4,121,791.5 | 2,082,162.0 | 621,382.4 | 297,466.8 | 70,053,155.9 | | Créditos vigentes | 18,002,054.7 | 17,488,893.3 | 18,062,821.1 | 8,038,455.4 | 4,026,479.6 | 1,998,166.1 | 617,597.6 | 293,036.4 | 68,527,504.2 | | Créditos prorrogados | 8,997.8 | 116.8 | 69,361.2 | 0.0 | 0.0 | 0.0 | 0.0 | 284.6 | 78,760.4 | | Créditos reestructurados | 448,357.8 | 456,272.0 | 92,466.3 | 140,775.3 | 138,109.8 | 114,700.5 | 9,975.4 | 624.8 | 1,401,282.0 | | Créditos vencidos | 75,541.5 | 19,220.5 | 96,318.8 | 47,842.6 | 71,721.7 | 18,278.2 | 6,636.7 | 1,567.7 | 337,127.8 | | Créditos en cobro judicial | 298,680.8 | 193,115.7 | 287,486.1 | 55,842.7 | 6,613.1 | 3,628.2 | 2,830.2 | 0.0 | 848,196.8 | | Intereses y Comisiones por Cobrar sobre Creditos | 266,884.0 | 267,962.7 | 177,861.7 | 85,763.0 | 47,396.6 | 47,042.4 | 13,337.8 | 7,513.7 | 913,762.0 | | Provisiones por incobrabilidad de cartera de creditos | -557,911.5 | -417,163.5 | -586,225.7 | -189,438.1 | -168,529.3 | -99,653.4 | -28,995.3 | -5,560.4 | -2,053,477.2 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 102,736.6 | 223,599.4 | 62,061.4 | 24,658.7 | 16,096.8 | 9,082.4 | 5,526.7 | 1,832.1 | 445,594.1 | | Bienes de uso, neto | 685,315.3 | 250,819.1 | 453,975.0 | 95,222.8 | 70,273.8 | 272,541.8 | 13,697.1 | 8,186.7 | 1,850,031.8 | | Bienes recibidos en recuperacion de creditos, neto | 27,280.2 | 66,657.7 | 11,353.3 | 3,937.7 | 1,413.2 | 12,359.8 | 9,389.4 | 0.0 | 132,391.3 | | Invesiones permanentes en acciones | 68,878.9 | 484,952.8 | 50,654.5 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 609,377.0 | | Otros activos neto | 102,160.3 | 389,482.1 | 82,047.0 | 77,167.5 | 29,642.0 | 46,960.3 | 23,306.0 | 9,072.8 | 759,838.1 | | Pasivo | 34,375,672.4 | 29,234,370.5 | 23,834,480.4 | 11,493,991.8 | 5,068,231.3 | 2,897,209.6 | 560,433.4 | 241,551.2 | 107,705,940.6 | | Obligaciones con el Público | 30,050,852.5 | 24,889,836.7 | 21,550,781.6 | 9,631,159.4 | 4,832,623.0 | 2,601,001.8 | 0.0 | 0.0 | 93,556,255.1 | | Moneda Nacional | 8,777,521.8 | 6,704,949.4 | 5,518,891.4 | 2,587,604.2 | 726,984.3 | 433,616.8 | 0.0 | 0.0 | 24,749,568.0 | | Depositos a la Vista | 3,687,997.6 | 2,986,454.7 | 3,457,547.4 | 776,610.1 | 303,842.7 | 164,983.5 | 0.0 | 0.0 | 11,377,436.1 | | Depositos de Ahorro | 4,218,513.4 | 2,912,893.0 | 1,569,745.7 | 1,478,613.7 | 239,368.9 | 239,308.0 | 0.0 | 0.0 | 10,658,442.7 | | Depositos a Plazo | 871,010.8 | 805,601.8 | 491,598.2 | 332,380.4 | 183,772.7 | 29,325.4 | 0.0 | 0.0 | 2,713,689.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 20,772,663.8 | 17,753,210.7 | 15,821,337.7 | 6,923,325.9 | 4,042,330.5 | 2,121,608.4 | 0.0 | 0.0 | 67,434,476.9 | | Depositos a la Vista | 5,299,016.4 | 4,753,402.7 | 4,643,957.1 | 654,838.8 | 900,310.2 | 164,138.7 | 0.0 | 0.0 | 16,415,663.8 | | Depositos de Ahorro | 10,568,634.9 | 9,271,560.4 | 6,735,208.8 | 3,661,124.4 | 1,737,593.5 | 966,275.8 | 0.0 | 0.0 | 32,940,397.8 | | Depositos a Plazo | 4,905,012.4 | 3,728,247.6 | 4,442,171.8 | 2,607,362.7 | 1,404,426.8 | 991,193.9 | 0.0 | 0.0 | 18,078,415.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 422,391.4 | 367,128.6 | 146,111.4 | 63,169.7 | 46,335.4 | 25,151.0 | 0.0 | 0.0 | 1,070,287.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 78,275.5 | 64,548.1 | 64,441.2 | 57,059.6 | 16,972.8 | 20,625.7 | 0.0 | 0.0 | 301,922.8 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,486,933.7 | 2,998,931.9 | 1,724,913.8 | 1,339,917.2 | 30,705.8 | 0.0 | 525,950.7 | 218,502.1 | 10,325,855.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 192,355.6 | 156,398.4 | 139,571.6 | 111,859.8 | 0.0 | 0.0 | 0.0 | 0.0 | 600,185.5 | | Préstamos del Banco Centroaméricano de Integración Económica | 474,771.8 | 302,961.8 | 404,109.6 | 185,464.1 | 30,521.9 | 0.0 | 0.0 | 0.0 | 1,397,829.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 201,782.2 | 201,782.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,819,806.4 | 2,539,571.7 | 1,181,232.6 | 1,042,593.3 | 183.9 | 0.0 | 525,950.7 | 16,719.9 | 8,126,058.4 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 347,363.1 | 299.1 | 0.0 | 183,619.9 | 0.0 | 30,879.2 | 0.0 | 0.0 | 562,161.3 | | 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 | 99,116.6 | 501,210.6 | 207,067.0 | 36,473.7 | 33,514.1 | 28,562.3 | 5,512.2 | 5,753.2 | 917,209.6 | | Otros pasivos y provisiones | 299,637.0 | 329,403.6 | 351,718.0 | 140,232.4 | 171,388.4 | 68,574.2 | 28,970.6 | 17,295.9 | 1,407,220.1 | | Obligaciones subordinadas | 91,769.5 | 514,688.7 | 0.0 | 162,589.2 | 0.0 | 168,192.0 | 0.0 | 0.0 | 937,239.3 | | 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 | 3,363,739.4 | 2,814,460.1 | 3,635,878.6 | 1,185,249.7 | 820,503.7 | 295,666.2 | 189,638.1 | 102,477.4 | 12,407,613.3 | | 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 | -1.1 | -5,329.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -4,530.3 | | Reservas patrimoniales | 579,746.4 | 547,844.0 | 640,621.7 | 199,302.0 | 218,505.2 | 32,871.6 | 17,736.9 | 356.8 | 2,236,984.6 | | Resultados acumulados de ejercicios anteriores | 979,856.7 | 768,416.8 | 1,224,429.1 | 222,899.4 | 284,364.5 | -470,711.0 | -57,704.0 | 1,930.9 | 2,953,482.4 | | Resultados del Periodo | 161,637.3 | 159,127.9 | 215,027.8 | 63,048.3 | 47,634.0 | 4,222.0 | 5,790.2 | 189.8 | 656,677.3 | | Cuentas contingentes | 7,579,513.2 | 7,334,347.7 | 5,700,202.5 | 560,938.8 | 5,205,351.4 | 2,132.2 | 0.0 | 0.0 | 26,382,485.8 | | Cuentas de orden | 42,729,907.9 | 24,443,897.5 | 67,145,988.1 | 22,601,752.0 | 3,770,880.1 | 7,939,844.6 | 1,709,072.7 | 587,816.5 | 170,929,159.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2012 C$ 23.2571 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2013 C$ 24.4175 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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