| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 40,522,417.6 | 32,867,494.9 | 28,456,486.3 | 12,719,751.9 | 6,525,643.7 | 3,167,018.6 | 778,647.5 | 423,588.8 | 125,461,049.3 | | Disponibilidades | 10,231,642.8 | 7,536,703.9 | 7,624,381.0 | 2,459,702.7 | 1,793,724.5 | 730,553.7 | 36,882.7 | 42,372.6 | 30,455,963.9 | | Moneda Nacional | 2,712,888.7 | 3,578,284.1 | 1,928,244.4 | 993,076.5 | 658,675.1 | 179,662.1 | 14,073.0 | 10,150.6 | 10,075,054.5 | | Caja | 846,245.3 | 765,204.6 | 972,795.4 | 154,010.1 | 52,800.2 | 81,018.4 | 5,164.0 | 5,896.0 | 2,883,134.1 | | Banco Central de Nicaragua | 514,532.6 | 1,621,538.2 | 121,778.1 | 233,255.3 | 494,275.1 | 31,844.3 | 207.3 | 0.0 | 3,017,430.9 | | Depositos e Instituciones Financieras del Pais | 3,128.2 | 0.0 | 0.0 | 181,968.8 | 4,972.8 | 1,817.6 | 8,701.7 | 4,254.5 | 204,843.6 | | Otras disponibilidades | 1,348,982.6 | 1,191,541.3 | 833,671.0 | 423,842.3 | 106,627.0 | 64,981.7 | 0.0 | 0.0 | 3,969,645.9 | | | | | | | | | | | | | Moneda Extranjera | 7,518,754.0 | 3,958,419.8 | 5,696,136.6 | 1,466,626.2 | 1,135,049.4 | 550,891.6 | 22,809.6 | 32,222.1 | 20,380,909.3 | | Caja | 530,746.9 | 311,385.2 | 706,639.3 | 145,627.9 | 74,161.5 | 94,473.5 | 2,089.9 | 5,920.8 | 1,871,045.1 | | Banco Central de Nicaragua | 1,092,585.9 | 159,128.4 | 936,255.3 | 0.0 | 426,469.3 | 62,874.0 | 12,649.6 | 0.0 | 2,689,962.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 16,226.3 | 0.0 | 9,083.9 | 8,070.1 | 26,301.2 | 59,681.6 | | Depositos en Instituciones Financieras del exterior | 3,119,691.2 | 354,447.4 | 1,924,245.5 | 207,760.3 | 125,635.6 | 68,944.1 | 0.0 | 0.0 | 5,800,724.1 | | Otras disponibilidades | 2,775,730.0 | 3,133,458.8 | 2,128,996.5 | 1,097,011.6 | 508,783.0 | 315,516.0 | 0.0 | 0.0 | 9,959,496.0 | | | | | | | | | | | | | Inversiones en valores, neto | 9,909,495.4 | 5,612,745.1 | 877,142.0 | 1,245,179.7 | 362,635.0 | 0.0 | 24,893.6 | 0.0 | 18,032,090.8 | | 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 | 3,074,492.6 | 3,438,043.4 | 877,142.0 | 49,643.2 | 362,635.0 | 0.0 | 0.0 | 0.0 | 7,801,956.3 | | Inversiones Mantenidas Hasta el Vencimiento | 6,835,002.7 | 2,174,701.7 | 0.0 | 1,195,536.5 | 0.0 | 0.0 | 24,893.6 | 0.0 | 10,230,134.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 121,343.4 | 0.0 | 0.0 | 0.0 | 94.0 | 0.0 | 0.0 | 0.0 | 121,437.4 | | | | | | | | | | | | | Cartera de Creditos, neta | 19,238,810.2 | 18,324,270.4 | 19,143,108.3 | 8,796,915.2 | 4,263,346.3 | 2,097,270.6 | 669,021.5 | 359,231.5 | 72,891,973.9 | | Créditos vigentes | 18,535,702.5 | 17,796,170.0 | 19,109,347.3 | 8,662,479.1 | 4,188,070.4 | 2,018,762.0 | 665,249.0 | 355,455.4 | 71,331,235.7 | | Créditos prorrogados | 313,039.8 | 63,630.3 | 2,241.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 378,911.3 | | Créditos reestructurados | 354,101.7 | 412,808.5 | 94,781.7 | 138,798.6 | 118,248.4 | 105,168.0 | 9,439.0 | 49.7 | 1,233,395.6 | | Créditos vencidos | 68,361.3 | 35,496.0 | 90,474.1 | 65,030.5 | 71,736.3 | 26,495.4 | 6,998.1 | 2,102.4 | 366,694.1 | | Créditos en cobro judicial | 307,658.5 | 193,142.2 | 112,792.2 | 49,596.3 | 24,272.6 | 4,266.9 | 2,127.8 | 0.0 | 693,856.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 235,082.8 | 267,131.8 | 190,531.3 | 84,849.0 | 47,841.5 | 41,644.0 | 13,911.4 | 8,523.3 | 889,515.3 | | Provisiones por incobrabilidad de cartera de creditos | -575,136.5 | -444,108.5 | -457,059.4 | -203,838.3 | -186,823.0 | -99,065.8 | -28,703.8 | -6,899.2 | -2,001,634.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 129,418.8 | 243,576.9 | 69,723.9 | 23,698.7 | 4,628.3 | 6,770.1 | 2,367.7 | 1,826.2 | 482,010.4 | | Bienes de uso, neto | 685,635.7 | 255,019.8 | 484,452.5 | 102,343.0 | 65,292.2 | 270,195.7 | 13,981.8 | 10,239.6 | 1,887,160.3 | | Bienes recibidos en recuperacion de creditos, neto | 26,120.3 | 74,171.6 | 8,290.2 | 12,558.3 | 1,413.2 | 6,951.8 | 6,982.6 | 0.0 | 136,487.9 | | Invesiones permanentes en acciones | 68,878.9 | 488,922.8 | 51,656.7 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 614,349.3 | | Otros activos neto | 111,072.2 | 332,084.5 | 197,731.7 | 74,463.7 | 34,510.2 | 55,276.8 | 24,517.6 | 9,918.9 | 839,575.5 | | Pasivo | 37,030,516.2 | 29,827,071.6 | 24,720,538.3 | 11,521,700.8 | 5,650,669.1 | 2,866,342.0 | 580,420.2 | 321,888.1 | 112,519,146.2 | | Obligaciones con el Público | 32,580,413.4 | 24,577,927.2 | 22,304,010.9 | 9,554,247.5 | 5,341,990.6 | 2,568,365.5 | 0.0 | 0.0 | 96,926,955.0 | | Moneda Nacional | 9,723,649.1 | 6,488,531.8 | 5,212,152.1 | 2,364,200.7 | 1,028,614.2 | 421,467.5 | 0.0 | 0.0 | 25,238,615.3 | | Depositos a la Vista | 3,955,402.9 | 3,518,959.9 | 3,029,244.2 | 727,968.4 | 311,858.8 | 167,229.1 | 0.0 | 0.0 | 11,710,663.4 | | Depositos de Ahorro | 4,600,237.4 | 2,470,485.9 | 1,502,497.9 | 1,301,018.5 | 185,892.2 | 219,722.3 | 0.0 | 0.0 | 10,279,854.2 | | Depositos a Plazo | 1,168,008.7 | 499,085.9 | 680,410.1 | 335,213.8 | 530,863.2 | 34,516.0 | 0.0 | 0.0 | 3,248,097.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,358,690.0 | 17,792,454.5 | 16,782,707.4 | 7,058,081.9 | 4,248,677.3 | 2,099,413.2 | 0.0 | 0.0 | 70,340,024.3 | | Depositos a la Vista | 6,186,100.1 | 5,488,453.2 | 5,163,098.2 | 514,521.3 | 937,799.8 | 163,647.2 | 0.0 | 0.0 | 18,453,619.8 | | Depositos de Ahorro | 10,773,469.9 | 8,461,455.6 | 7,010,635.7 | 3,784,358.7 | 1,806,514.8 | 961,713.6 | 0.0 | 0.0 | 32,798,148.4 | | Depositos a Plazo | 5,399,120.0 | 3,842,545.7 | 4,608,973.5 | 2,759,201.9 | 1,504,362.7 | 974,052.3 | 0.0 | 0.0 | 19,088,256.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 406,253.5 | 224,284.3 | 227,914.5 | 68,373.1 | 36,519.6 | 26,921.0 | 0.0 | 0.0 | 990,266.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 91,820.9 | 72,656.6 | 81,236.8 | 63,591.9 | 28,179.4 | 20,563.8 | 0.0 | 0.0 | 358,049.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,787,283.6 | 3,858,748.2 | 1,725,541.4 | 1,455,620.4 | 0.0 | 0.0 | 542,334.2 | 289,521.2 | 11,659,049.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 187,520.5 | 135,874.7 | 134,376.8 | 108,635.6 | 0.0 | 0.0 | 0.0 | 0.0 | 566,407.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 669,878.8 | 336,038.4 | 431,540.4 | 206,203.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,643,660.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 257,089.7 | 257,089.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,929,884.3 | 3,386,835.1 | 1,159,624.3 | 1,140,781.6 | 0.0 | 0.0 | 542,334.2 | 32,431.5 | 9,191,891.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 140,442.8 | 78,628.3 | 0.0 | 191,231.8 | 0.0 | 31,644.8 | 0.0 | 0.0 | 441,947.7 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 69,774.4 | 0.0 | 0.0 | 0.0 | 69,774.4 | | Otras cuentas por pagar | 123,635.4 | 402,758.7 | 290,443.0 | 37,476.8 | 40,217.2 | 20,067.3 | 5,581.9 | 10,585.4 | 930,765.7 | | Otros pasivos y provisiones | 311,340.7 | 390,243.1 | 400,543.0 | 125,946.7 | 198,686.9 | 74,791.1 | 32,504.1 | 21,781.5 | 1,555,837.1 | | Obligaciones subordinadas | 87,400.4 | 518,766.1 | 0.0 | 157,177.5 | 0.0 | 171,473.3 | 0.0 | 0.0 | 934,817.3 | | 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 | 3,491,901.4 | 3,040,423.3 | 3,735,948.1 | 1,198,051.1 | 874,974.5 | 300,676.6 | 198,227.3 | 101,700.8 | 12,941,903.1 | | Capital social pagado | 1,642,500.0 | 1,344,400.0 | 1,955,000.0 | 760,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 7,024,998.4 | | 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 | -27.5 | 9,275.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,048.1 | | 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 | 89,754.6 | 284,364.5 | -467,371.0 | -57,704.0 | 1,484.0 | 1,975,707.2 | | Resultados del Periodo | 411,825.8 | 370,899.9 | 480,207.3 | 148,994.5 | 102,104.8 | 4,872.9 | 14,379.4 | -140.0 | 1,533,144.5 | | Cuentas contingentes | 8,530,252.7 | 7,410,083.3 | 6,607,490.8 | 529,721.6 | 5,254,780.5 | 1,877.7 | 0.0 | 0.0 | 28,334,206.6 | | Cuentas de orden | 46,522,276.0 | 23,926,529.4 | 86,288,007.3 | 24,681,068.0 | 7,063,946.3 | 8,206,894.0 | 1,704,796.8 | 668,734.7 | 199,062,252.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2012 C$ 23.6384 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2013 C$ 24.8190 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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