| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 40,300,738.7 | 33,610,860.2 | 28,913,359.7 | 13,139,681.1 | 6,447,743.0 | 3,146,462.3 | 811,147.2 | 453,138.3 | 126,823,130.7 | | Disponibilidades | 8,998,405.9 | 7,642,285.8 | 7,386,207.4 | 2,789,507.9 | 1,412,282.1 | 697,704.2 | 47,908.7 | 44,415.5 | 29,018,717.4 | | Moneda Nacional | 2,865,591.9 | 2,581,753.6 | 2,111,069.0 | 1,121,250.9 | 369,532.0 | 165,650.1 | 12,084.1 | 13,310.9 | 9,240,242.5 | | Caja | 774,296.9 | 544,788.0 | 911,747.9 | 116,535.6 | 59,132.0 | 85,243.8 | 5,374.6 | 7,395.4 | 2,504,514.3 | | Banco Central de Nicaragua | 657,609.0 | 763,585.7 | 308,158.7 | 392,053.9 | 160,979.8 | 12,255.3 | 207.2 | 0.0 | 2,294,849.6 | | Depositos e Instituciones Financieras del Pais | 5,665.9 | 0.0 | 0.0 | 182,200.6 | 3,772.8 | 2,173.6 | 6,502.2 | 5,915.5 | 206,230.7 | | Otras disponibilidades | 1,428,020.1 | 1,273,379.9 | 891,162.5 | 430,460.7 | 145,647.3 | 65,977.4 | 0.0 | 0.0 | 4,234,647.9 | | | | | | | | | | | | | Moneda Extranjera | 6,132,813.9 | 5,060,532.2 | 5,275,138.4 | 1,668,257.0 | 1,042,750.1 | 532,054.1 | 35,824.6 | 31,104.6 | 19,778,474.9 | | Caja | 433,757.6 | 276,992.5 | 690,511.7 | 161,856.7 | 75,798.5 | 97,589.4 | 1,876.0 | 5,578.2 | 1,743,960.7 | | Banco Central de Nicaragua | 959,475.5 | 309,219.2 | 885,109.0 | 128,862.0 | 380,569.7 | 60,930.3 | 20,178.7 | 0.0 | 2,744,344.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 16,678.0 | 0.0 | 10,663.4 | 13,769.8 | 25,526.4 | 66,637.6 | | Depositos en Instituciones Financieras del exterior | 1,919,502.3 | 1,096,994.6 | 1,539,439.0 | 211,928.6 | 58,748.5 | 44,871.2 | 0.0 | 0.0 | 4,871,484.3 | | Otras disponibilidades | 2,820,078.4 | 3,377,325.9 | 2,160,078.7 | 1,148,931.6 | 527,633.4 | 317,999.8 | 0.0 | 0.0 | 10,352,047.7 | | | | | | | | | | | | | Inversiones en valores, neto | 10,826,252.3 | 6,229,252.2 | 882,821.2 | 1,180,261.8 | 614,316.7 | 0.0 | 24,961.7 | 0.0 | 19,757,866.0 | | 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 | 4,059,846.7 | 3,327,128.1 | 882,821.2 | 0.0 | 614,316.7 | 0.0 | 0.0 | 0.0 | 8,884,112.6 | | Inversiones Mantenidas Hasta el Vencimiento | 6,766,405.6 | 2,902,124.2 | 0.0 | 1,180,261.8 | 0.0 | 0.0 | 24,961.7 | 0.0 | 10,873,753.3 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 130,931.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 130,931.3 | | | | | | | | | | | | | Cartera de Creditos, neta | 19,321,608.2 | 18,357,250.5 | 19,798,769.0 | 8,963,521.4 | 4,307,436.7 | 2,116,001.0 | 691,446.6 | 386,217.6 | 73,942,250.9 | | Créditos vigentes | 18,803,680.0 | 17,803,842.0 | 19,769,733.1 | 8,827,336.5 | 4,230,835.7 | 2,039,463.4 | 687,272.5 | 382,357.6 | 72,544,520.7 | | Créditos prorrogados | 142,397.8 | 64,689.1 | 2,250.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 209,337.3 | | Créditos reestructurados | 352,274.3 | 433,854.1 | 94,453.5 | 136,685.2 | 110,423.5 | 100,659.5 | 9,453.8 | 0.0 | 1,237,803.9 | | Créditos vencidos | 69,880.5 | 39,866.4 | 86,335.5 | 64,944.6 | 77,449.0 | 25,436.0 | 7,151.2 | 2,323.2 | 373,386.3 | | Créditos en cobro judicial | 306,238.0 | 195,088.1 | 111,110.3 | 53,719.6 | 24,280.8 | 4,437.2 | 1,933.5 | 0.0 | 696,807.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 236,962.6 | 279,803.4 | 205,255.3 | 89,939.8 | 49,131.6 | 43,553.3 | 14,514.9 | 9,165.4 | 928,326.2 | | Provisiones por incobrabilidad de cartera de creditos | -589,825.0 | -459,892.6 | -470,369.0 | -209,104.3 | -184,683.9 | -97,548.4 | -28,879.2 | -7,628.6 | -2,047,931.1 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 148,910.6 | 235,120.2 | 70,989.3 | 24,244.7 | 6,473.6 | 8,356.8 | 2,748.7 | 2,037.6 | 498,881.5 | | Bienes de uso, neto | 678,704.2 | 249,982.9 | 480,859.9 | 101,713.1 | 64,511.9 | 268,086.7 | 13,778.9 | 10,146.0 | 1,867,783.6 | | Bienes recibidos en recuperacion de creditos, neto | 26,084.1 | 76,951.9 | 8,487.4 | 6,432.2 | 1,321.5 | 6,307.7 | 6,480.4 | 0.0 | 132,065.2 | | Invesiones permanentes en acciones | 68,878.9 | 488,922.8 | 51,637.2 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 614,329.8 | | Otros activos neto | 100,963.2 | 331,093.9 | 233,588.2 | 69,109.2 | 41,400.6 | 50,006.0 | 23,822.1 | 10,321.7 | 860,305.0 | | Pasivo | 36,749,310.5 | 30,527,874.7 | 25,116,125.4 | 11,918,012.7 | 5,560,798.8 | 2,841,291.5 | 609,896.2 | 351,627.1 | 113,674,936.8 | | Obligaciones con el Público | 32,282,594.9 | 25,220,769.8 | 22,593,381.3 | 9,836,410.2 | 5,256,265.6 | 2,538,970.6 | 0.0 | 0.0 | 97,728,392.4 | | Moneda Nacional | 9,457,062.5 | 6,399,331.3 | 5,456,978.2 | 2,414,305.6 | 1,023,968.4 | 423,568.6 | 0.0 | 0.0 | 25,175,214.5 | | Depositos a la Vista | 3,976,580.5 | 3,479,165.2 | 3,147,115.2 | 733,323.1 | 307,271.0 | 173,500.3 | 0.0 | 0.0 | 11,816,955.2 | | Depositos de Ahorro | 4,416,892.4 | 2,480,350.9 | 1,750,479.1 | 1,342,439.6 | 183,796.3 | 215,067.1 | 0.0 | 0.0 | 10,389,025.4 | | Depositos a Plazo | 1,063,589.6 | 439,815.2 | 559,384.0 | 338,542.8 | 532,901.1 | 35,001.2 | 0.0 | 0.0 | 2,969,233.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,290,694.3 | 18,534,872.7 | 16,865,516.1 | 7,281,721.1 | 4,182,115.8 | 2,060,615.9 | 0.0 | 0.0 | 71,215,535.8 | | Depositos a la Vista | 6,492,487.5 | 6,019,711.1 | 5,111,045.2 | 552,638.7 | 876,673.3 | 149,127.7 | 0.0 | 0.0 | 19,201,683.6 | | Depositos de Ahorro | 10,283,385.8 | 8,469,360.1 | 7,105,453.3 | 3,931,321.6 | 1,791,123.0 | 922,770.5 | 0.0 | 0.0 | 32,503,414.4 | | Depositos a Plazo | 5,514,821.0 | 4,045,801.5 | 4,649,017.5 | 2,797,760.7 | 1,514,319.4 | 988,717.7 | 0.0 | 0.0 | 19,510,437.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 439,431.8 | 210,533.6 | 190,539.4 | 71,928.1 | 22,204.4 | 32,492.4 | 0.0 | 0.0 | 967,129.7 | | Cargos financieros por pagar sobre obligaciones con el Público | 95,406.4 | 76,032.1 | 80,347.7 | 68,455.5 | 27,977.0 | 22,293.7 | 0.0 | 0.0 | 370,512.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,794,843.7 | 3,858,465.1 | 1,793,150.8 | 1,567,092.1 | 0.0 | 0.0 | 569,861.9 | 316,838.7 | 11,900,252.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 185,769.9 | 128,774.3 | 132,295.8 | 107,856.8 | 0.0 | 0.0 | 0.0 | 0.0 | 554,696.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 659,082.5 | 334,421.6 | 427,412.3 | 331,668.9 | 0.0 | 0.0 | 0.0 | 0.0 | 1,752,585.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 270,617.6 | 270,617.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,949,991.3 | 3,395,269.2 | 1,233,442.7 | 1,127,566.3 | 0.0 | 0.0 | 569,861.9 | 46,221.1 | 9,322,352.6 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 141,379.9 | 79,183.3 | 0.0 | 190,878.5 | 0.0 | 31,844.6 | 0.0 | 0.0 | 443,286.4 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 70,226.4 | 0.0 | 0.0 | 0.0 | 70,226.4 | | Otras cuentas por pagar | 121,895.8 | 443,644.5 | 317,421.0 | 35,334.6 | 36,301.5 | 23,348.3 | 5,706.2 | 12,075.1 | 995,727.1 | | Otros pasivos y provisiones | 320,479.5 | 402,549.2 | 412,172.3 | 129,831.0 | 198,005.3 | 73,281.1 | 34,328.1 | 22,713.3 | 1,593,359.7 | | Obligaciones subordinadas | 88,116.7 | 523,262.7 | 0.0 | 158,466.3 | 0.0 | 173,846.8 | 0.0 | 0.0 | 943,692.4 | | 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 | 3,551,428.2 | 3,082,985.6 | 3,797,234.4 | 1,221,668.4 | 886,944.2 | 305,170.9 | 201,250.9 | 101,511.2 | 13,148,193.8 | | Capital social pagado | 1,642,500.0 | 1,627,100.0 | 1,955,000.0 | 760,000.0 | 270,000.0 | 729,283.4 | 223,815.0 | 100,000.0 | 7,307,698.4 | | 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 | -7.5 | -3,264.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,471.7 | | 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 | 485,303.3 | 659,319.1 | 89,754.6 | 284,364.5 | -467,371.0 | -57,704.0 | 1,484.0 | 1,693,007.2 | | Resultados del Periodo | 471,332.6 | 426,001.9 | 541,493.6 | 172,611.8 | 114,074.5 | 9,367.2 | 17,403.0 | -329.5 | 1,751,955.0 | | Cuentas contingentes | 8,885,024.2 | 7,479,845.2 | 6,790,683.4 | 547,131.1 | 5,275,328.9 | 1,835.3 | 0.0 | 0.0 | 28,979,848.2 | | Cuentas de orden | 46,365,888.7 | 23,939,882.0 | 89,512,451.0 | 23,355,823.2 | 7,138,760.5 | 8,233,616.5 | 1,723,591.3 | 695,627.5 | 200,965,640.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2012 C$ 23.7363 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2013 C$ 24.9220 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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