| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 40,098,555.0 | 30,635,526.5 | 28,104,931.1 | 12,636,373.2 | 6,195,260.8 | 3,221,537.1 | 771,454.6 | 364,794.6 | 122,028,432.9 | | Disponibilidades | 10,361,254.0 | 5,874,435.2 | 7,728,981.4 | 2,731,690.9 | 1,338,642.3 | 769,196.5 | 60,419.2 | 25,608.2 | 28,890,227.8 | | Moneda Nacional | 2,866,190.9 | 2,724,006.4 | 2,148,468.9 | 880,719.5 | 456,922.4 | 176,625.0 | 13,444.2 | 12,065.2 | 9,278,442.4 | | Caja | 957,673.9 | 594,149.2 | 952,572.4 | 152,716.6 | 47,650.5 | 72,965.4 | 5,098.5 | 6,468.2 | 2,789,294.6 | | Banco Central de Nicaragua | 609,847.3 | 883,978.7 | 384,959.0 | 189,707.8 | 291,189.1 | 30,168.8 | 207.7 | 0.0 | 2,390,058.3 | | Depositos e Instituciones Financieras del Pais | 13,784.3 | 0.0 | 0.0 | 146,519.5 | 6,271.2 | 1,944.7 | 8,138.1 | 5,596.9 | 182,254.7 | | Otras disponibilidades | 1,284,885.4 | 1,245,878.6 | 810,937.5 | 391,775.7 | 111,811.6 | 71,546.2 | 0.0 | 0.0 | 3,916,834.9 | | | | | | | | | | | | | Moneda Extranjera | 7,495,063.2 | 3,150,428.8 | 5,580,512.5 | 1,850,971.4 | 881,720.0 | 592,571.6 | 46,974.9 | 13,543.0 | 19,611,785.4 | | Caja | 585,847.9 | 278,989.7 | 725,966.8 | 108,509.2 | 73,829.7 | 75,198.6 | 1,842.0 | 5,558.8 | 1,855,742.6 | | Banco Central de Nicaragua | 1,661,107.9 | 3,359.2 | 1,016,690.5 | 185,329.4 | 174,248.8 | 134,025.8 | 30,825.3 | 0.0 | 3,205,587.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 60,156.9 | 0.0 | 15,059.5 | 14,307.6 | 7,984.3 | 97,508.3 | | Depositos en Instituciones Financieras del exterior | 2,566,590.7 | 418,884.7 | 1,687,296.9 | 406,473.9 | 132,869.9 | 46,543.6 | 0.0 | 0.0 | 5,258,659.8 | | Otras disponibilidades | 2,681,516.7 | 2,449,195.2 | 2,150,558.3 | 1,090,502.0 | 500,771.5 | 321,744.1 | 0.0 | 0.0 | 9,194,287.8 | | | | | | | | | | | | | Inversiones en valores, neto | 9,305,256.7 | 5,486,983.5 | 864,956.3 | 1,268,234.5 | 474,705.1 | 0.0 | 12,324.2 | 0.0 | 17,412,460.3 | | Inversiones al Valor Razonable con Cambios en Resultados | 1,231,002.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,231,002.8 | | Inversiones Disponibles para la Venta | 1,324,313.3 | 3,196,586.0 | 864,956.3 | 98,385.7 | 474,705.1 | 0.0 | 0.0 | 0.0 | 5,958,946.4 | | Inversiones Mantenidas Hasta el Vencimiento | 6,749,940.6 | 2,290,397.5 | 0.0 | 1,169,848.8 | 0.0 | 0.0 | 12,324.2 | 0.0 | 10,222,511.1 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 263,590.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 263,590.7 | | | | | | | | | | | | | Cartera de Creditos, neta | 19,114,885.6 | 17,986,030.8 | 18,776,110.5 | 8,418,787.8 | 4,266,359.1 | 2,099,164.4 | 648,815.6 | 317,252.7 | 71,627,406.5 | | Créditos vigentes | 18,687,157.8 | 17,455,610.8 | 18,735,928.2 | 8,278,407.5 | 4,181,430.6 | 2,023,872.0 | 645,706.8 | 313,501.0 | 70,321,614.7 | | Créditos prorrogados | 21,191.7 | 50,727.0 | 2,531.3 | 0.0 | 0.0 | 0.0 | 0.0 | 230.7 | 74,680.7 | | Créditos reestructurados | 339,554.4 | 422,978.3 | 88,036.2 | 131,915.6 | 129,286.6 | 110,191.8 | 9,584.6 | 54.5 | 1,231,602.0 | | Créditos vencidos | 63,289.4 | 28,300.1 | 100,146.5 | 59,548.8 | 60,952.5 | 20,409.6 | 6,924.2 | 1,848.5 | 341,419.6 | | Créditos en cobro judicial | 305,465.3 | 193,627.0 | 118,449.4 | 55,201.4 | 24,251.3 | 4,629.0 | 2,340.9 | 0.0 | 703,964.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 260,192.4 | 259,984.8 | 180,521.6 | 87,423.3 | 46,104.5 | 42,633.7 | 13,374.9 | 7,293.4 | 897,528.6 | | Provisiones por incobrabilidad de cartera de creditos | -561,965.5 | -425,197.1 | -449,502.6 | -193,708.8 | -175,666.4 | -102,571.7 | -29,115.9 | -5,675.4 | -1,943,403.6 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 164,861.6 | 226,272.0 | 71,432.1 | 22,972.1 | 15,987.8 | 15,757.4 | 3,129.2 | 2,169.6 | 522,581.7 | | Bienes de uso, neto | 680,961.1 | 249,560.8 | 451,071.7 | 95,698.4 | 68,629.1 | 267,715.9 | 14,413.4 | 9,921.5 | 1,837,971.8 | | Bienes recibidos en recuperacion de creditos, neto | 25,445.1 | 76,457.4 | 10,601.2 | 10,604.7 | 1,413.2 | 9,005.5 | 8,290.1 | 0.0 | 141,817.1 | | Invesiones permanentes en acciones | 68,878.9 | 488,722.8 | 51,378.1 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 613,870.6 | | Otros activos neto | 113,421.2 | 247,064.0 | 150,399.9 | 83,494.1 | 29,524.3 | 60,697.4 | 24,062.9 | 9,842.6 | 718,506.4 | | Pasivo | 36,606,866.4 | 27,710,506.8 | 24,507,323.0 | 11,406,345.3 | 5,345,268.5 | 2,919,820.9 | 577,891.7 | 260,133.5 | 109,334,156.0 | | Obligaciones con el Público | 32,448,238.8 | 23,531,279.0 | 21,953,679.7 | 9,576,815.7 | 4,960,343.5 | 2,627,063.6 | 0.0 | 0.0 | 95,097,420.3 | | Moneda Nacional | 9,451,482.2 | 6,532,608.3 | 5,177,363.9 | 2,318,844.9 | 785,315.2 | 460,753.9 | 0.0 | 0.0 | 24,726,368.4 | | Depositos a la Vista | 4,197,611.0 | 3,316,404.6 | 2,995,908.4 | 641,895.3 | 389,517.1 | 200,766.9 | 0.0 | 0.0 | 11,742,103.3 | | Depositos de Ahorro | 4,174,214.5 | 2,603,605.2 | 1,765,319.9 | 1,347,582.7 | 210,829.2 | 228,107.9 | 0.0 | 0.0 | 10,329,659.3 | | Depositos a Plazo | 1,079,656.8 | 612,598.5 | 416,135.6 | 329,367.0 | 184,969.0 | 31,879.1 | 0.0 | 0.0 | 2,654,605.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,452,467.7 | 16,631,043.9 | 16,521,717.1 | 7,135,271.3 | 4,117,816.4 | 2,108,121.3 | 0.0 | 0.0 | 68,966,437.8 | | Depositos a la Vista | 6,537,488.6 | 4,822,010.0 | 5,116,317.8 | 552,822.1 | 933,053.3 | 178,012.7 | 0.0 | 0.0 | 18,139,704.5 | | Depositos de Ahorro | 10,678,376.9 | 8,021,912.7 | 6,875,598.1 | 3,859,983.5 | 1,785,647.3 | 949,617.0 | 0.0 | 0.0 | 32,171,135.5 | | Depositos a Plazo | 5,236,602.3 | 3,787,121.2 | 4,529,801.2 | 2,722,465.7 | 1,399,115.8 | 980,491.6 | 0.0 | 0.0 | 18,655,597.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 459,378.6 | 296,408.7 | 179,876.3 | 66,809.6 | 34,315.0 | 39,516.0 | 0.0 | 0.0 | 1,076,304.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 84,910.2 | 71,218.2 | 74,722.3 | 55,889.8 | 22,896.8 | 18,672.4 | 0.0 | 0.0 | 328,309.8 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,291,548.2 | 2,968,763.9 | 1,900,690.1 | 1,321,203.2 | 15,442.8 | 0.0 | 541,253.1 | 233,218.8 | 10,272,120.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 197,242.1 | 145,688.9 | 136,450.9 | 110,232.5 | 0.0 | 0.0 | 0.0 | 0.0 | 589,614.4 | | Préstamos del Banco Centroaméricano de Integración Económica | 321,760.1 | 328,676.5 | 510,811.1 | 180,408.8 | 15,385.9 | 0.0 | 0.0 | 0.0 | 1,357,042.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 200,843.1 | 200,843.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,772,546.1 | 2,494,398.6 | 1,253,428.2 | 1,030,561.9 | 57.0 | 0.0 | 541,253.1 | 32,375.7 | 8,124,620.5 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 348,946.8 | 625.1 | 0.0 | 184,403.2 | 0.0 | 31,261.0 | 0.0 | 0.0 | 565,236.1 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 147,761.1 | 0.0 | 0.0 | 0.0 | 147,761.1 | | Otras cuentas por pagar | 125,280.6 | 339,565.1 | 280,827.3 | 35,547.6 | 39,868.5 | 25,050.4 | 5,226.1 | 7,451.0 | 858,816.6 | | Otros pasivos y provisiones | 299,593.7 | 351,699.4 | 372,125.8 | 123,146.4 | 181,852.6 | 69,595.7 | 31,412.5 | 19,463.7 | 1,448,889.8 | | Obligaciones subordinadas | 93,258.3 | 518,574.1 | 0.0 | 165,229.2 | 0.0 | 166,850.2 | 0.0 | 0.0 | 943,911.8 | | 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 | 3,491,688.6 | 2,925,019.8 | 3,597,608.1 | 1,230,027.8 | 849,992.4 | 301,716.3 | 193,562.9 | 104,661.0 | 12,694,276.9 | | 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 | 160,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 160,000.8 | | 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 | -18.1 | 4,189.3 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,971.2 | | Reservas patrimoniales | 579,746.4 | 547,844.0 | 640,621.7 | 199,302.0 | 218,505.2 | 33,891.0 | 17,736.9 | 356.8 | 2,238,004.0 | | Resultados acumulados de ejercicios anteriores | 819,856.7 | 768,003.3 | 659,319.1 | 222,899.4 | 284,364.5 | -467,371.0 | -57,704.0 | 1,930.9 | 2,231,298.9 | | Resultados del Periodo | 289,603.5 | 260,582.6 | 341,867.3 | 107,826.4 | 77,122.7 | 5,912.6 | 9,715.0 | 2,373.4 | 1,095,003.5 | | Cuentas contingentes | 8,085,061.5 | 7,291,732.7 | 5,740,060.7 | 575,840.6 | 5,503,369.8 | 2,089.1 | 0.0 | 0.0 | 27,198,154.3 | | Cuentas de orden | 44,250,303.5 | 24,262,194.3 | 78,854,076.6 | 23,462,106.8 | 6,365,677.8 | 8,148,393.9 | 1,734,635.6 | 613,759.2 | 187,691,147.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2012 C$ 23.4470 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2013 C$ 24.6174 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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