| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 42,948,639.6 | 34,266,572.3 | 29,074,351.1 | 13,495,699.1 | 6,653,482.8 | 3,144,539.6 | 845,943.9 | 519,428.7 | 130,948,657.1 | | Disponibilidades | 10,445,271.2 | 7,130,670.1 | 7,054,652.4 | 3,000,603.9 | 1,243,242.4 | 648,348.3 | 28,884.2 | 59,987.7 | 29,611,660.2 | | Moneda Nacional | 4,069,394.1 | 2,396,091.7 | 2,089,987.1 | 1,242,148.4 | 373,589.3 | 166,147.7 | 11,812.0 | 16,331.1 | 10,365,501.4 | | Caja | 973,408.0 | 623,896.2 | 951,058.0 | 150,455.9 | 49,147.3 | 80,782.3 | 5,099.1 | 8,752.9 | 2,842,599.7 | | Banco Central de Nicaragua | 1,784,238.8 | 633,911.4 | 314,757.2 | 456,744.6 | 181,090.2 | 18,956.4 | 7.0 | 0.0 | 3,389,705.6 | | Depositos e Instituciones Financieras del Pais | 3,229.7 | 0.0 | 0.0 | 177,355.1 | 7,376.8 | 2,535.2 | 6,705.9 | 7,578.2 | 204,780.9 | | Otras disponibilidades | 1,308,517.5 | 1,138,284.1 | 824,171.9 | 457,592.8 | 135,975.0 | 63,873.8 | 0.0 | 0.0 | 3,928,415.1 | | | | | | | | | | | | | Moneda Extranjera | 6,375,877.1 | 4,734,578.4 | 4,964,665.3 | 1,758,455.5 | 869,653.1 | 482,200.6 | 17,072.2 | 43,656.6 | 19,246,158.8 | | Caja | 512,168.1 | 294,285.0 | 720,371.0 | 131,777.7 | 80,834.6 | 79,451.1 | 2,134.2 | 5,755.4 | 1,826,777.0 | | Banco Central de Nicaragua | 660,655.8 | 387,393.8 | 1,011,768.3 | 124,055.0 | 113,497.5 | 24,563.2 | 17.0 | 0.0 | 2,321,950.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 16,645.5 | 0.0 | 1,514.1 | 14,921.1 | 37,901.2 | 70,981.9 | | Depositos en Instituciones Financieras del exterior | 2,124,918.3 | 757,427.5 | 1,057,227.4 | 310,457.3 | 152,762.4 | 60,872.8 | 0.0 | 0.0 | 4,463,665.8 | | Otras disponibilidades | 3,078,134.8 | 3,295,472.1 | 2,175,298.6 | 1,175,520.0 | 522,558.6 | 315,799.4 | 0.0 | 0.0 | 10,562,783.5 | | | | | | | | | | | | | Inversiones en valores, neto | 10,280,177.8 | 6,332,537.8 | 405,743.2 | 1,206,229.4 | 596,410.7 | 0.0 | 25,157.8 | 0.0 | 18,846,256.6 | | 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 | 3,695,582.0 | 3,598,408.8 | 405,743.2 | 0.0 | 596,410.7 | 0.0 | 0.0 | 0.0 | 8,296,144.7 | | Inversiones Mantenidas Hasta el Vencimiento | 6,584,595.8 | 2,734,128.9 | 0.0 | 1,206,229.4 | 0.0 | 0.0 | 25,157.8 | 0.0 | 10,550,111.9 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 184,413.6 | 0.0 | 0.0 | 0.0 | 124,151.5 | 0.0 | 0.0 | 0.0 | 308,565.1 | | | | | | | | | | | | | Cartera de Creditos, neta | 20,973,017.4 | 19,523,820.3 | 20,948,129.3 | 9,054,789.7 | 4,583,913.2 | 2,149,320.3 | 744,797.4 | 438,375.3 | 78,416,162.8 | | Créditos vigentes | 20,538,271.1 | 19,033,938.9 | 20,913,124.8 | 8,917,917.4 | 4,520,548.6 | 2,076,284.1 | 739,456.1 | 433,145.1 | 77,172,686.1 | | Créditos prorrogados | 114,992.7 | 11,010.0 | 1,853.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 127,856.5 | | Créditos reestructurados | 342,450.6 | 487,232.8 | 92,932.5 | 143,494.6 | 104,354.5 | 92,360.9 | 10,179.4 | 58.3 | 1,273,063.5 | | Créditos vencidos | 87,532.0 | 34,103.4 | 114,656.7 | 59,263.0 | 85,385.1 | 24,600.3 | 7,733.2 | 3,440.6 | 416,714.3 | | Créditos en cobro judicial | 61,260.9 | 82,270.7 | 108,888.5 | 56,215.3 | 13,580.4 | 4,812.3 | 1,569.3 | 0.0 | 328,597.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 303,697.1 | 274,313.1 | 203,651.0 | 91,704.6 | 50,375.5 | 48,417.1 | 15,342.0 | 10,938.2 | 998,438.7 | | Provisiones por incobrabilidad de cartera de creditos | -475,186.9 | -399,048.6 | -486,978.0 | -213,805.2 | -190,330.9 | -97,154.2 | -29,482.7 | -9,206.9 | -1,901,193.6 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 149,291.2 | 222,067.0 | 71,715.3 | 26,927.9 | 5,347.2 | 16,693.1 | 3,262.6 | 1,612.5 | 496,916.9 | | Bienes de uso, neto | 733,138.0 | 246,434.6 | 488,127.4 | 108,036.5 | 66,665.8 | 266,859.9 | 13,592.9 | 9,925.7 | 1,932,780.9 | | Bienes recibidos en recuperacion de creditos, neto | 20,807.4 | 86,708.4 | 8,708.7 | 6,898.3 | 879.8 | 5,209.8 | 5,505.4 | 0.0 | 134,717.7 | | Invesiones permanentes en acciones | 68,878.9 | 372,285.2 | 52,087.8 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 498,142.8 | | Otros activos neto | 93,644.0 | 352,048.9 | 45,187.1 | 87,322.7 | 32,872.2 | 58,108.2 | 24,743.7 | 9,527.5 | 703,454.2 | | Pasivo | 39,264,726.3 | 31,060,112.6 | 25,466,087.9 | 12,225,890.2 | 5,737,775.3 | 2,841,242.0 | 638,564.0 | 353,116.4 | 117,587,514.7 | | Obligaciones con el Público | 34,697,316.1 | 25,455,228.6 | 22,810,516.0 | 10,185,539.4 | 5,455,397.3 | 2,536,737.6 | 0.0 | 0.0 | 101,140,734.9 | | Moneda Nacional | 10,427,083.5 | 6,295,356.5 | 5,322,656.6 | 2,508,249.3 | 1,080,682.1 | 404,804.9 | 0.0 | 0.0 | 26,038,832.9 | | Depositos a la Vista | 4,312,707.9 | 3,428,200.9 | 3,030,995.1 | 787,752.6 | 359,154.4 | 159,424.2 | 0.0 | 0.0 | 12,078,235.2 | | Depositos de Ahorro | 5,069,828.8 | 2,415,257.0 | 1,506,055.1 | 1,376,516.2 | 184,255.5 | 210,651.7 | 0.0 | 0.0 | 10,762,564.4 | | Depositos a Plazo | 1,044,546.8 | 451,898.6 | 785,606.4 | 343,980.4 | 537,272.2 | 34,729.0 | 0.0 | 0.0 | 3,198,033.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 23,783,005.4 | 18,831,267.8 | 16,972,306.6 | 7,506,115.4 | 4,320,407.2 | 2,077,409.0 | 0.0 | 0.0 | 73,490,511.3 | | Depositos a la Vista | 6,959,280.5 | 5,804,443.4 | 5,258,525.3 | 500,417.9 | 893,477.3 | 152,095.2 | 0.0 | 0.0 | 19,568,239.6 | | Depositos de Ahorro | 11,104,568.4 | 8,778,868.4 | 7,040,816.9 | 4,124,485.8 | 1,777,082.9 | 917,718.5 | 0.0 | 0.0 | 33,743,540.8 | | Depositos a Plazo | 5,719,156.5 | 4,247,956.0 | 4,672,964.4 | 2,881,211.7 | 1,649,847.1 | 1,007,595.3 | 0.0 | 0.0 | 20,178,730.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 382,812.2 | 243,283.6 | 431,488.1 | 97,656.4 | 20,950.9 | 29,738.5 | 0.0 | 0.0 | 1,205,929.7 | | Cargos financieros por pagar sobre obligaciones con el Público | 104,415.0 | 85,320.6 | 84,064.8 | 73,518.3 | 33,357.1 | 24,785.2 | 0.0 | 0.0 | 405,461.0 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,869,975.1 | 4,060,564.8 | 1,670,077.0 | 1,528,290.9 | 0.0 | 0.0 | 597,022.5 | 317,614.4 | 12,043,544.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 152,680.5 | 106,619.2 | 131,301.8 | 106,418.7 | 0.0 | 0.0 | 0.0 | 0.0 | 497,020.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 703,841.0 | 471,569.6 | 346,426.1 | 345,232.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1,867,069.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 271,298.7 | 271,298.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,013,453.5 | 3,482,376.1 | 1,192,349.1 | 1,076,639.4 | 0.0 | 0.0 | 597,022.5 | 46,315.8 | 9,408,156.4 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 143,158.5 | 79,084.2 | 0.0 | 186,503.1 | 0.0 | 32,237.0 | 0.0 | 0.0 | 440,982.8 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 31,605.0 | 0.0 | 0.0 | 0.0 | 31,605.0 | | Otras cuentas por pagar | 121,095.2 | 546,873.1 | 543,804.4 | 37,024.7 | 35,698.6 | 23,179.5 | 6,080.4 | 9,969.7 | 1,323,725.5 | | Otros pasivos y provisiones | 351,021.9 | 414,197.6 | 441,690.5 | 138,292.5 | 215,074.4 | 70,520.3 | 35,461.1 | 25,532.3 | 1,691,790.7 | | Obligaciones subordinadas | 82,159.5 | 504,164.3 | 0.0 | 150,239.7 | 0.0 | 178,567.6 | 0.0 | 0.0 | 915,131.1 | | 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 | 3,683,913.3 | 3,206,459.8 | 3,608,263.2 | 1,269,808.8 | 915,707.4 | 303,297.6 | 207,379.9 | 166,312.3 | 13,361,142.4 | | 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 | -4.9 | 1,806.2 | 112.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,913.2 | | 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 | 697,856.7 | 485,303.3 | 263,727.6 | 89,754.6 | 284,364.5 | -467,371.0 | -57,704.0 | 1,484.0 | 1,297,415.8 | | Resultados del Periodo | 603,815.1 | 544,405.7 | 748,801.9 | 220,752.2 | 142,837.7 | 7,493.9 | 23,532.0 | 421.6 | 2,292,060.2 | | Cuentas contingentes | 9,399,231.6 | 7,527,681.8 | 7,010,698.5 | 567,558.5 | 4,180,478.2 | 10,266.8 | 0.0 | 0.0 | 28,695,915.4 | | Cuentas de orden | 49,052,486.8 | 22,616,958.9 | 90,997,917.8 | 23,825,932.6 | 7,260,130.6 | 7,749,245.1 | 1,789,939.9 | 751,327.1 | 204,043,938.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2012 C$ 23.9301 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2013 C$ 25.1261 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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