| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 40,613,299.6 | 31,683,024.6 | 28,734,476.9 | 12,682,619.4 | 6,063,540.7 | 3,197,299.8 | 774,291.0 | 382,901.6 | 124,131,453.6 | | Disponibilidades | 10,261,705.5 | 6,265,580.0 | 8,230,161.5 | 2,559,113.5 | 1,274,210.4 | 761,237.7 | 40,821.8 | 25,463.9 | 29,418,294.4 | | Moneda Nacional | 2,907,233.2 | 2,939,118.2 | 2,428,687.0 | 1,125,414.1 | 368,809.1 | 184,055.5 | 10,546.8 | 10,593.6 | 9,974,457.6 | | Caja | 667,224.6 | 552,869.9 | 856,906.4 | 110,788.7 | 53,033.0 | 71,606.9 | 5,322.3 | 5,570.5 | 2,323,322.3 | | Banco Central de Nicaragua | 471,196.0 | 811,233.4 | 369,372.8 | 408,807.8 | 196,784.7 | 37,208.0 | 207.4 | 0.0 | 2,294,810.1 | | Depositos e Instituciones Financieras del Pais | 15,988.7 | 0.0 | 0.0 | 196,720.7 | 7,357.0 | 1,574.5 | 5,017.1 | 5,023.1 | 231,681.0 | | Otras disponibilidades | 1,752,824.0 | 1,575,014.9 | 1,202,407.8 | 409,097.0 | 111,634.3 | 73,666.2 | 0.0 | 0.0 | 5,124,644.2 | | | | | | | | | | | | | Moneda Extranjera | 7,354,472.3 | 3,326,461.9 | 5,801,474.4 | 1,433,699.3 | 905,401.3 | 577,182.2 | 30,275.0 | 14,870.3 | 19,443,836.8 | | Caja | 542,398.5 | 289,552.4 | 750,049.3 | 123,458.2 | 80,066.7 | 97,226.1 | 1,857.3 | 5,760.1 | 1,890,368.7 | | Banco Central de Nicaragua | 1,339,613.8 | 4,875.0 | 1,379,278.2 | 0.0 | 147,668.2 | 101,517.3 | 17,540.6 | 0.0 | 2,990,493.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 7,329.9 | 0.0 | 15,784.6 | 10,877.1 | 9,110.2 | 43,101.9 | | Depositos en Instituciones Financieras del exterior | 2,538,522.9 | 486,932.5 | 1,524,881.7 | 233,102.4 | 151,432.6 | 45,988.8 | 0.0 | 0.0 | 4,980,860.8 | | Otras disponibilidades | 2,933,937.0 | 2,545,102.0 | 2,147,265.2 | 1,069,808.8 | 526,233.8 | 316,665.4 | 0.0 | 0.0 | 9,539,012.3 | | | | | | | | | | | | | Inversiones en valores, neto | 10,099,823.1 | 5,803,457.7 | 870,930.3 | 1,281,399.4 | 368,160.0 | 0.0 | 24,745.4 | 0.0 | 18,448,515.9 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Inversiones Disponibles para la Venta | 3,363,057.8 | 3,409,457.6 | 870,930.3 | 98,832.7 | 368,160.0 | 0.0 | 0.0 | 0.0 | 8,110,438.4 | | Inversiones Mantenidas Hasta el Vencimiento | 6,736,765.3 | 2,394,000.1 | 0.0 | 1,182,566.7 | 0.0 | 0.0 | 24,745.4 | 0.0 | 10,338,077.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 106,143.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 106,143.6 | | | | | | | | | | | | | Cartera de Creditos, neta | 19,149,001.7 | 18,297,143.3 | 18,868,666.7 | 8,624,492.7 | 4,308,652.9 | 2,086,782.7 | 656,627.5 | 335,013.3 | 72,326,380.8 | | Créditos vigentes | 18,655,993.1 | 17,762,685.3 | 18,836,493.0 | 8,488,039.7 | 4,223,727.6 | 2,007,716.3 | 653,587.6 | 330,795.0 | 70,959,037.7 | | Créditos prorrogados | 111,360.9 | 54,832.2 | 1,917.7 | 0.0 | 0.0 | 0.0 | 0.0 | 231.2 | 168,342.0 | | Créditos reestructurados | 323,690.9 | 416,339.6 | 81,945.9 | 135,371.4 | 124,521.4 | 109,329.2 | 9,338.3 | 49.5 | 1,200,586.2 | | Créditos vencidos | 73,476.8 | 28,510.5 | 103,710.2 | 61,549.7 | 66,086.3 | 23,811.5 | 6,859.6 | 1,806.9 | 365,811.5 | | Créditos en cobro judicial | 305,470.5 | 198,608.8 | 113,920.2 | 53,563.8 | 24,256.5 | 5,222.8 | 2,239.0 | 0.0 | 703,281.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 248,083.2 | 264,582.0 | 187,797.4 | 83,415.1 | 51,565.4 | 40,776.9 | 13,349.3 | 8,109.8 | 897,679.2 | | Provisiones por incobrabilidad de cartera de creditos | -569,073.8 | -428,415.2 | -457,117.7 | -197,446.9 | -181,504.3 | -100,073.9 | -28,746.4 | -5,979.1 | -1,968,357.3 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 115,075.4 | 218,448.7 | 77,686.0 | 22,967.0 | 8,145.8 | 9,742.0 | 3,489.9 | 1,991.5 | 457,546.3 | | Bienes de uso, neto | 680,207.4 | 250,613.3 | 456,508.8 | 99,834.4 | 67,275.0 | 272,756.4 | 14,158.6 | 10,382.0 | 1,851,735.8 | | Bienes recibidos en recuperacion de creditos, neto | 28,035.5 | 79,014.8 | 10,877.6 | 12,394.4 | 1,413.2 | 7,344.8 | 7,704.6 | 0.0 | 146,785.0 | | Invesiones permanentes en acciones | 68,878.9 | 488,722.8 | 51,676.0 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 614,168.5 | | Otros activos neto | 104,428.4 | 280,044.0 | 167,970.0 | 77,527.2 | 35,683.4 | 59,436.2 | 26,743.1 | 10,050.9 | 761,883.3 | | Pasivo | 37,184,190.8 | 28,696,647.3 | 25,069,897.9 | 11,505,676.5 | 5,203,870.8 | 2,897,444.3 | 578,596.3 | 279,675.0 | 111,415,998.9 | | Obligaciones con el Público | 32,636,668.0 | 24,269,159.0 | 22,556,694.9 | 9,555,392.0 | 4,937,248.6 | 2,597,030.2 | 0.0 | 0.0 | 96,552,192.8 | | Moneda Nacional | 9,741,455.4 | 6,852,208.2 | 5,330,505.0 | 2,395,680.5 | 756,433.8 | 466,656.0 | 0.0 | 0.0 | 25,542,938.9 | | Depositos a la Vista | 4,510,486.1 | 3,761,480.6 | 3,204,206.1 | 738,383.2 | 372,824.6 | 208,954.3 | 0.0 | 0.0 | 12,796,334.8 | | Depositos de Ahorro | 4,189,305.2 | 2,467,982.1 | 1,524,405.2 | 1,326,546.2 | 198,846.3 | 223,404.0 | 0.0 | 0.0 | 9,930,488.9 | | Depositos a Plazo | 1,041,664.2 | 622,745.5 | 601,893.7 | 330,751.2 | 184,762.9 | 34,297.8 | 0.0 | 0.0 | 2,816,115.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,351,208.9 | 17,094,053.4 | 16,765,703.0 | 7,033,179.7 | 4,121,554.8 | 2,079,567.5 | 0.0 | 0.0 | 69,445,267.2 | | Depositos a la Vista | 6,208,667.3 | 4,901,265.8 | 5,215,337.3 | 456,877.8 | 908,570.7 | 171,971.7 | 0.0 | 0.0 | 17,862,690.6 | | Depositos de Ahorro | 10,856,515.3 | 8,371,624.6 | 7,056,186.5 | 3,842,756.9 | 1,765,523.5 | 939,774.6 | 0.0 | 0.0 | 32,832,381.3 | | Depositos a Plazo | 5,286,026.3 | 3,821,163.0 | 4,494,179.1 | 2,733,545.0 | 1,447,460.6 | 967,821.3 | 0.0 | 0.0 | 18,750,195.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 453,491.7 | 249,638.2 | 382,660.9 | 66,134.6 | 33,227.4 | 31,296.0 | 0.0 | 0.0 | 1,216,448.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 90,512.0 | 73,259.3 | 77,826.0 | 60,397.2 | 26,032.7 | 19,510.7 | 0.0 | 0.0 | 347,537.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,799,589.7 | 3,175,035.7 | 1,864,912.6 | 1,332,408.6 | 0.0 | 0.0 | 541,265.3 | 250,004.0 | 10,963,216.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 191,426.9 | 138,375.6 | 134,969.1 | 109,433.4 | 0.0 | 0.0 | 0.0 | 0.0 | 574,204.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 667,133.1 | 340,235.1 | 495,870.8 | 211,949.9 | 0.0 | 0.0 | 0.0 | 0.0 | 1,715,188.9 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 218,951.4 | 218,951.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,941,029.7 | 2,696,425.0 | 1,234,072.8 | 1,011,025.3 | 0.0 | 0.0 | 541,265.3 | 31,052.6 | 8,454,870.7 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 244,842.8 | 834.2 | 0.0 | 291,537.3 | 0.0 | 31,448.0 | 0.0 | 0.0 | 568,662.3 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 24,721.4 | 0.0 | 0.0 | 0.0 | 24,721.4 | | Otras cuentas por pagar | 113,279.4 | 386,166.0 | 262,204.0 | 38,917.7 | 44,615.8 | 27,166.8 | 5,292.7 | 9,141.8 | 886,784.1 | | Otros pasivos y provisiones | 303,122.9 | 351,169.5 | 386,086.4 | 131,524.9 | 197,285.0 | 72,683.7 | 32,038.3 | 20,529.2 | 1,494,439.9 | | Obligaciones subordinadas | 86,688.0 | 514,282.8 | 0.0 | 155,895.9 | 0.0 | 169,115.6 | 0.0 | 0.0 | 925,982.4 | | 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 | 3,429,108.7 | 2,986,377.4 | 3,664,579.0 | 1,176,943.0 | 859,669.9 | 299,855.5 | 195,694.7 | 103,226.6 | 12,715,454.8 | | 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 | -45.1 | 5,366.5 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,121.4 | | 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 | 697,856.7 | 768,003.3 | 659,319.1 | 149,754.6 | 284,364.5 | -467,371.0 | -57,704.0 | 1,930.9 | 2,036,154.1 | | Resultados del Periodo | 349,050.6 | 320,763.0 | 408,838.2 | 127,886.4 | 86,800.2 | 4,051.8 | 11,846.8 | 939.0 | 1,310,176.0 | | Cuentas contingentes | 8,236,793.5 | 7,410,195.7 | 6,248,997.7 | 590,996.3 | 5,191,713.8 | 1,870.3 | 0.0 | 0.0 | 27,680,567.4 | | Cuentas de orden | 45,381,956.5 | 24,167,223.4 | 85,477,739.5 | 24,224,449.2 | 6,855,771.5 | 8,217,537.4 | 1,703,177.5 | 637,695.7 | 196,665,550.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2012 C$ 23.5409 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2013 C$ 24.7163 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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