| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 41,148,132.3 | 33,609,398.1 | 28,717,509.9 | 13,228,638.4 | 6,457,667.8 | 3,160,388.7 | 825,512.3 | 500,522.7 | 127,647,770.3 | | Disponibilidades | 9,500,226.3 | 7,389,857.5 | 6,944,911.4 | 2,864,063.4 | 1,377,668.4 | 687,216.0 | 40,924.8 | 67,714.0 | 28,872,581.8 | | Moneda Nacional | 2,944,551.1 | 2,480,162.9 | 2,314,878.9 | 1,276,655.3 | 381,902.1 | 174,831.6 | 13,867.4 | 14,285.8 | 9,601,135.1 | | Caja | 932,969.4 | 620,130.7 | 993,254.1 | 140,749.0 | 72,773.6 | 76,922.1 | 6,130.0 | 7,839.0 | 2,850,767.8 | | Banco Central de Nicaragua | 756,362.2 | 663,811.3 | 435,229.3 | 493,259.2 | 168,699.1 | 30,722.2 | 1,207.1 | 0.0 | 2,549,290.4 | | Depositos e Instituciones Financieras del Pais | 8,889.2 | 0.0 | 0.0 | 182,425.3 | 4,769.1 | 1,542.4 | 6,530.3 | 6,446.8 | 210,603.0 | | Otras disponibilidades | 1,246,330.4 | 1,196,220.9 | 886,395.5 | 460,221.8 | 135,660.3 | 65,644.9 | 0.0 | 0.0 | 3,990,473.9 | | | | | | | | | | | | | Moneda Extranjera | 6,555,675.2 | 4,909,694.6 | 4,630,032.5 | 1,587,408.1 | 995,766.3 | 512,384.4 | 27,057.4 | 53,428.1 | 19,271,446.7 | | Caja | 505,590.0 | 265,467.6 | 628,137.3 | 157,652.4 | 80,407.6 | 99,525.2 | 1,904.3 | 5,506.7 | 1,744,191.1 | | Banco Central de Nicaragua | 888,132.6 | 411,478.4 | 1,130,244.5 | 23,443.5 | 286,710.9 | 54,457.6 | 20,259.9 | 0.0 | 2,814,727.3 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 16,581.0 | 0.0 | 11,214.2 | 4,893.2 | 47,921.4 | 80,609.9 | | Depositos en Instituciones Financieras del exterior | 2,313,654.1 | 855,513.6 | 745,130.4 | 227,351.9 | 105,636.7 | 35,138.9 | 0.0 | 0.0 | 4,282,425.6 | | Otras disponibilidades | 2,848,298.5 | 3,377,235.1 | 2,126,520.3 | 1,162,379.3 | 523,011.1 | 312,048.5 | 0.0 | 0.0 | 10,349,492.8 | | | | | | | | | | | | | Inversiones en valores, neto | 10,402,918.6 | 6,259,652.0 | 882,633.0 | 1,192,847.8 | 492,742.6 | 0.0 | 25,113.0 | 0.0 | 19,255,907.1 | | 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 | 3,553,206.1 | 3,569,041.9 | 882,633.0 | 0.0 | 492,742.6 | 0.0 | 0.0 | 0.0 | 8,497,623.6 | | Inversiones Mantenidas Hasta el Vencimiento | 6,849,712.5 | 2,690,610.1 | 0.0 | 1,192,847.8 | 0.0 | 0.0 | 25,113.0 | 0.0 | 10,758,283.4 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 154,171.2 | 0.0 | 0.0 | 0.0 | 90,258.9 | 0.0 | 0.0 | 0.0 | 244,430.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 20,021,687.8 | 18,642,356.1 | 20,224,753.8 | 8,946,138.7 | 4,386,454.8 | 2,128,281.7 | 712,474.9 | 410,057.9 | 75,472,205.7 | | Créditos vigentes | 19,466,830.8 | 18,065,611.6 | 20,203,335.3 | 8,808,118.6 | 4,313,041.6 | 2,053,913.8 | 711,065.5 | 405,382.2 | 74,027,299.5 | | Créditos prorrogados | 145,680.7 | 11,679.6 | 2,259.5 | 0.0 | 0.0 | 0.0 | 0.0 | 50.4 | 159,670.2 | | Créditos reestructurados | 341,978.3 | 509,744.5 | 91,674.3 | 141,198.9 | 106,250.0 | 97,342.2 | 6,684.5 | 0.0 | 1,294,872.6 | | Créditos vencidos | 74,340.1 | 44,531.3 | 105,243.2 | 64,455.2 | 83,947.6 | 26,854.2 | 7,679.2 | 3,195.6 | 410,246.3 | | Créditos en cobro judicial | 317,981.0 | 204,969.1 | 109,987.7 | 55,320.6 | 24,378.4 | 3,168.3 | 1,854.2 | 0.0 | 717,659.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 268,589.5 | 271,533.7 | 192,098.0 | 89,759.6 | 51,666.5 | 44,888.9 | 14,430.8 | 10,222.4 | 943,189.5 | | Provisiones por incobrabilidad de cartera de creditos | -593,712.5 | -465,713.7 | -479,844.1 | -212,714.2 | -192,829.3 | -97,885.7 | -29,239.3 | -8,792.8 | -2,080,731.6 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 148,529.7 | 233,049.3 | 72,216.1 | 24,829.6 | 12,116.2 | 9,644.5 | 3,041.9 | 2,871.2 | 506,298.4 | | Bienes de uso, neto | 737,658.0 | 248,077.6 | 486,836.0 | 106,479.1 | 66,064.7 | 268,960.1 | 13,506.6 | 9,990.7 | 1,937,572.8 | | Bienes recibidos en recuperacion de creditos, neto | 21,986.7 | 85,802.3 | 8,191.0 | 7,106.5 | 1,268.8 | 5,714.7 | 6,234.6 | 0.0 | 136,304.6 | | Invesiones permanentes en acciones | 68,878.9 | 395,612.0 | 51,823.1 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 521,204.8 | | Otros activos neto | 92,074.9 | 354,991.4 | 46,145.4 | 82,282.7 | 31,093.5 | 60,571.8 | 24,216.5 | 9,888.9 | 701,265.0 | | Pasivo | 37,534,480.6 | 30,470,134.0 | 24,855,907.9 | 11,986,349.2 | 5,558,560.8 | 2,859,337.9 | 621,243.0 | 335,084.1 | 114,221,097.4 | | Obligaciones con el Público | 33,039,374.7 | 25,088,870.1 | 22,551,002.8 | 9,937,538.9 | 5,272,224.0 | 2,552,503.5 | 0.0 | 0.0 | 98,441,514.0 | | Moneda Nacional | 9,423,384.0 | 6,227,606.9 | 5,608,590.9 | 2,534,602.3 | 1,026,609.8 | 426,959.6 | 0.0 | 0.0 | 25,247,753.5 | | Depositos a la Vista | 3,833,593.4 | 3,459,663.0 | 2,961,278.5 | 842,832.9 | 309,801.4 | 173,029.4 | 0.0 | 0.0 | 11,580,198.7 | | Depositos de Ahorro | 4,528,675.2 | 2,327,087.0 | 1,940,399.1 | 1,349,753.1 | 181,759.5 | 218,680.8 | 0.0 | 0.0 | 10,546,354.6 | | Depositos a Plazo | 1,061,115.4 | 440,856.9 | 706,913.3 | 342,016.3 | 535,048.9 | 35,249.4 | 0.0 | 0.0 | 3,121,200.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 23,091,311.8 | 18,598,192.5 | 16,666,723.0 | 7,256,934.9 | 4,195,907.5 | 2,074,493.6 | 0.0 | 0.0 | 71,883,563.4 | | Depositos a la Vista | 6,245,043.6 | 6,095,940.5 | 5,046,347.3 | 496,952.0 | 875,644.3 | 159,722.9 | 0.0 | 0.0 | 18,919,650.6 | | Depositos de Ahorro | 11,291,476.8 | 8,398,590.8 | 6,913,536.4 | 3,907,575.7 | 1,775,612.9 | 926,472.9 | 0.0 | 0.0 | 33,213,265.6 | | Depositos a Plazo | 5,554,791.4 | 4,103,661.2 | 4,706,839.3 | 2,852,407.2 | 1,544,650.2 | 988,297.8 | 0.0 | 0.0 | 19,750,647.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 422,677.5 | 182,931.9 | 194,285.7 | 72,663.2 | 19,801.9 | 27,408.3 | 0.0 | 0.0 | 919,768.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 102,001.4 | 80,138.8 | 81,403.1 | 73,338.4 | 29,904.8 | 23,641.9 | 0.0 | 0.0 | 390,428.5 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,803,835.2 | 3,897,074.2 | 1,748,662.4 | 1,518,807.1 | 0.0 | 0.0 | 579,538.9 | 302,233.7 | 11,850,151.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 181,911.3 | 122,906.0 | 132,051.9 | 107,135.2 | 0.0 | 0.0 | 0.0 | 0.0 | 544,004.4 | | Préstamos del Banco Centroaméricano de Integración Económica | 649,668.5 | 476,212.7 | 411,928.0 | 324,803.3 | 0.0 | 0.0 | 0.0 | 0.0 | 1,862,612.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 257,665.7 | 257,665.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,972,255.5 | 3,297,955.6 | 1,204,682.5 | 1,086,868.6 | 0.0 | 0.0 | 579,538.9 | 44,568.0 | 9,185,869.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 141,996.6 | 79,724.0 | 0.0 | 192,208.3 | 0.0 | 32,034.9 | 0.0 | 0.0 | 445,963.8 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 45,357.4 | 0.0 | 0.0 | 0.0 | 45,357.4 | | Otras cuentas por pagar | 135,139.3 | 473,950.8 | 131,528.8 | 33,994.0 | 44,543.3 | 25,634.4 | 6,129.9 | 8,682.2 | 859,602.7 | | Otros pasivos y provisiones | 332,643.2 | 425,411.1 | 424,713.9 | 154,783.1 | 196,436.1 | 73,004.5 | 35,574.2 | 24,168.2 | 1,666,734.3 | | Obligaciones subordinadas | 81,491.5 | 505,103.8 | 0.0 | 149,017.7 | 0.0 | 176,160.6 | 0.0 | 0.0 | 911,773.6 | | 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 | 3,613,651.7 | 3,139,264.1 | 3,861,602.0 | 1,242,289.3 | 899,107.0 | 301,050.8 | 204,269.3 | 165,438.6 | 13,426,672.9 | | 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 | 164,050.0 | 7,371,748.4 | | 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 | -3.7 | -363.5 | 720.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 353.1 | | 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 | 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 | 533,552.3 | 479,379.7 | 605,941.0 | 193,232.7 | 126,237.3 | 5,247.2 | 20,421.4 | -452.2 | 1,963,559.3 | | Cuentas contingentes | 8,875,733.7 | 7,425,188.8 | 6,957,681.2 | 559,270.9 | 4,149,304.9 | 1,842.3 | 0.0 | 0.0 | 27,969,021.8 | | Cuentas de orden | 46,812,208.9 | 23,782,808.7 | 90,198,636.8 | 23,537,163.2 | 7,276,612.4 | 7,748,052.8 | 1,752,022.4 | 724,927.8 | 201,832,433.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2012 C$ 23.8314 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2013 C$ 25.0222 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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