| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 39,097,912.5 | 31,551,382.7 | 27,930,684.9 | 12,497,743.6 | 6,070,050.9 | 3,211,866.2 | 749,479.1 | 362,188.6 | 121,471,308.5 | | Disponibilidades | 8,988,561.0 | 6,529,697.1 | 7,845,347.8 | 2,539,036.1 | 1,344,407.9 | 773,937.4 | 52,083.2 | 35,938.4 | 28,109,009.0 | | Moneda Nacional | 2,780,903.3 | 2,632,131.2 | 1,922,168.4 | 826,599.4 | 462,151.1 | 161,394.9 | 12,051.7 | 10,015.0 | 8,807,414.9 | | Caja | 813,151.2 | 582,589.5 | 922,444.5 | 143,294.1 | 68,669.5 | 60,122.3 | 2,869.7 | 5,642.3 | 2,598,783.0 | | Banco Central de Nicaragua | 627,968.6 | 781,403.8 | 133,663.1 | 165,602.0 | 286,077.6 | 23,604.4 | 3,207.7 | 0.0 | 2,021,527.1 | | Depositos e Instituciones Financieras del Pais | 14,473.7 | 0.0 | 0.0 | 72,602.7 | 7,607.7 | 1,677.6 | 5,974.3 | 4,372.7 | 106,708.7 | | Otras disponibilidades | 1,325,309.8 | 1,268,137.9 | 866,060.9 | 445,100.7 | 99,796.3 | 75,990.6 | 0.0 | 0.0 | 4,080,396.2 | | | | | | | | | | | | | Moneda Extranjera | 6,207,657.7 | 3,897,565.9 | 5,923,179.4 | 1,712,436.7 | 882,256.9 | 612,542.6 | 40,031.5 | 25,923.5 | 19,301,594.1 | | Caja | 519,875.0 | 308,645.1 | 681,112.1 | 147,879.5 | 90,753.1 | 82,657.2 | 1,708.0 | 5,743.5 | 1,838,373.5 | | Banco Central de Nicaragua | 1,900,020.3 | 3,307.9 | 823,111.3 | 36,398.6 | 149,707.6 | 135,326.3 | 22,301.2 | 0.0 | 3,070,173.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 131,945.5 | 0.0 | 14,460.3 | 16,022.3 | 20,180.0 | 182,608.1 | | Depositos en Instituciones Financieras del exterior | 1,191,938.3 | 541,794.2 | 2,380,775.2 | 277,569.8 | 127,410.4 | 57,874.8 | 0.0 | 0.0 | 4,577,362.7 | | Otras disponibilidades | 2,595,824.1 | 3,043,818.7 | 2,038,180.8 | 1,118,643.3 | 514,385.8 | 322,224.0 | 0.0 | 0.0 | 9,633,076.7 | | | | | | | | | | | | | Inversiones en valores, neto | 9,981,693.1 | 5,859,460.4 | 870,388.6 | 1,434,059.0 | 471,790.1 | 0.0 | 12,267.5 | 0.0 | 18,629,658.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 2,787,778.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,787,778.1 | | Inversiones Disponibles para la Venta | 367,137.5 | 3,216,912.5 | 870,388.6 | 269,653.9 | 471,790.1 | 0.0 | 0.0 | 0.0 | 5,195,882.6 | | Inversiones Mantenidas Hasta el Vencimiento | 6,826,777.5 | 2,642,547.8 | 0.0 | 1,164,405.2 | 0.0 | 0.0 | 12,267.5 | 0.0 | 10,645,998.0 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 142,726.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 142,726.5 | | | | | | | | | | | | | Cartera de Creditos, neta | 18,979,776.1 | 17,907,150.4 | 18,513,215.5 | 8,311,336.9 | 4,143,070.1 | 2,085,946.1 | 634,257.8 | 306,795.6 | 70,881,548.5 | | Créditos vigentes | 18,468,364.7 | 17,331,564.1 | 18,403,348.2 | 8,177,776.0 | 4,053,073.6 | 2,006,748.6 | 631,679.3 | 302,660.1 | 69,375,214.6 | | Créditos prorrogados | 7,201.9 | 63,220.4 | 66,823.7 | 0.0 | 0.0 | 0.0 | 0.0 | 404.9 | 137,650.9 | | Créditos reestructurados | 436,996.9 | 454,974.5 | 87,593.5 | 132,169.7 | 132,568.8 | 114,639.2 | 9,841.2 | 372.4 | 1,369,156.3 | | Créditos vencidos | 55,898.5 | 25,135.6 | 83,825.0 | 50,689.6 | 60,276.9 | 15,627.8 | 6,605.8 | 1,757.7 | 299,816.9 | | Créditos en cobro judicial | 306,408.8 | 201,240.9 | 122,699.7 | 56,285.5 | 21,979.7 | 4,672.4 | 2,414.1 | 0.0 | 715,701.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 269,686.3 | 258,219.3 | 175,448.1 | 85,807.3 | 47,127.8 | 42,437.1 | 12,558.7 | 7,346.1 | 898,630.7 | | Provisiones por incobrabilidad de cartera de creditos | -564,781.0 | -427,204.6 | -426,522.5 | -191,391.2 | -171,956.7 | -98,179.0 | -28,841.3 | -5,745.6 | -1,914,622.0 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 110,315.8 | 223,576.5 | 69,763.6 | 26,204.8 | 12,750.2 | 13,737.8 | 3,305.0 | 1,902.9 | 461,556.7 | | Bienes de uso, neto | 681,026.4 | 250,947.5 | 454,952.6 | 97,566.0 | 69,908.1 | 270,043.8 | 14,429.5 | 8,558.2 | 1,847,432.2 | | Bienes recibidos en recuperacion de creditos, neto | 25,455.5 | 63,305.4 | 10,601.2 | 7,389.8 | 1,413.2 | 10,211.2 | 8,843.4 | 0.0 | 127,219.7 | | Invesiones permanentes en acciones | 68,878.9 | 484,952.8 | 50,790.1 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 609,512.7 | | Otros activos neto | 119,479.1 | 232,292.5 | 115,625.3 | 77,260.2 | 26,711.4 | 57,989.9 | 24,292.7 | 8,993.4 | 662,644.6 | | Pasivo | 35,671,447.0 | 28,684,017.9 | 24,228,458.9 | 11,291,262.7 | 5,231,988.0 | 2,913,355.7 | 558,029.4 | 259,871.4 | 108,838,431.1 | | Obligaciones con el Público | 31,477,153.9 | 24,376,314.8 | 21,872,295.2 | 9,458,959.1 | 4,933,392.7 | 2,608,921.4 | 0.0 | 0.0 | 94,727,037.1 | | Moneda Nacional | 9,431,652.3 | 6,737,677.3 | 5,206,294.4 | 2,367,667.6 | 782,244.9 | 440,404.0 | 0.0 | 0.0 | 24,965,940.5 | | Depositos a la Vista | 3,820,633.9 | 3,272,929.5 | 3,201,404.3 | 686,062.8 | 394,726.3 | 177,962.4 | 0.0 | 0.0 | 11,553,719.2 | | Depositos de Ahorro | 4,549,718.7 | 2,644,099.7 | 1,573,698.8 | 1,351,197.3 | 203,024.3 | 232,547.6 | 0.0 | 0.0 | 10,554,286.4 | | Depositos a Plazo | 1,061,299.7 | 820,648.1 | 431,191.3 | 330,407.6 | 184,494.2 | 29,893.9 | 0.0 | 0.0 | 2,857,934.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 21,536,755.2 | 17,232,707.0 | 16,407,644.2 | 6,970,433.9 | 4,109,108.1 | 2,121,605.8 | 0.0 | 0.0 | 68,378,254.1 | | Depositos a la Vista | 6,083,490.7 | 5,208,051.5 | 5,083,231.8 | 645,287.7 | 918,820.6 | 186,116.0 | 0.0 | 0.0 | 18,124,998.4 | | Depositos de Ahorro | 10,368,253.5 | 8,236,048.4 | 6,876,081.1 | 3,689,966.0 | 1,788,879.5 | 959,085.9 | 0.0 | 0.0 | 31,918,314.4 | | Depositos a Plazo | 5,085,011.0 | 3,788,607.0 | 4,448,331.4 | 2,635,180.1 | 1,401,408.0 | 976,403.8 | 0.0 | 0.0 | 18,334,941.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 429,657.7 | 339,174.6 | 190,650.2 | 67,968.4 | 21,795.3 | 28,600.1 | 0.0 | 0.0 | 1,077,846.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 79,088.7 | 66,756.0 | 67,706.4 | 52,889.1 | 20,244.4 | 18,311.5 | 0.0 | 0.0 | 304,996.1 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,322,029.6 | 3,139,409.4 | 1,763,355.1 | 1,322,196.8 | 15,336.7 | 0.0 | 522,670.0 | 235,127.7 | 10,320,125.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 190,026.8 | 152,063.9 | 139,360.4 | 111,041.9 | 0.0 | 0.0 | 0.0 | 0.0 | 592,493.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 481,736.1 | 329,768.9 | 450,474.2 | 179,662.8 | 15,322.3 | 0.0 | 0.0 | 0.0 | 1,456,964.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 202,592.9 | 202,592.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,650,266.7 | 2,657,576.7 | 1,173,520.6 | 1,031,492.1 | 14.5 | 0.0 | 522,670.0 | 32,534.9 | 8,068,075.4 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 347,675.0 | 426.7 | 0.0 | 183,400.9 | 0.0 | 31,062.1 | 0.0 | 0.0 | 562,564.7 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 73,603.2 | 0.0 | 0.0 | 0.0 | 73,603.2 | | Otras cuentas por pagar | 123,570.1 | 312,478.8 | 231,119.7 | 41,082.7 | 35,015.9 | 34,483.3 | 5,940.8 | 6,177.5 | 789,868.8 | | Otros pasivos y provisiones | 308,519.0 | 341,277.5 | 361,688.9 | 121,739.8 | 174,639.5 | 68,439.2 | 29,418.7 | 18,566.2 | 1,424,288.7 | | Obligaciones subordinadas | 92,499.4 | 514,110.7 | 0.0 | 163,883.5 | 0.0 | 170,449.8 | 0.0 | 0.0 | 940,943.3 | | 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 | 3,426,465.5 | 2,867,364.8 | 3,702,226.0 | 1,206,480.9 | 838,062.9 | 298,510.5 | 191,449.6 | 102,317.2 | 12,632,877.4 | | Capital social pagado | 1,642,500.0 | 1,344,400.0 | 1,955,000.0 | 700,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 6,964,998.4 | | 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 | -2.4 | -2,330.7 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1,533.1 | | 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 | 768,003.3 | 824,429.1 | 222,899.4 | 284,364.5 | -470,711.0 | -57,704.0 | 1,930.9 | 2,553,068.9 | | Resultados del Periodo | 224,364.8 | 209,447.6 | 281,375.2 | 84,279.5 | 65,193.2 | 7,066.2 | 7,601.7 | 29.5 | 879,357.7 | | Cuentas contingentes | 7,827,955.1 | 7,337,113.9 | 5,862,396.6 | 570,598.9 | 5,788,739.6 | 2,140.5 | 0.0 | 0.0 | 27,388,944.7 | | Cuentas de orden | 43,892,712.8 | 24,296,140.0 | 75,064,149.8 | 22,992,478.4 | 4,394,352.2 | 8,079,606.9 | 1,718,756.2 | 602,705.7 | 181,040,902.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2012 C$ 23.3503 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2013 C$ 24.5156 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
