| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 42,331,941.7 | 35,444,465.4 | 30,646,379.8 | 13,597,557.1 | 6,710,736.8 | 3,107,472.7 | 877,202.5 | 570,289.1 | 133,286,045.1 | | Disponibilidades | 9,364,982.5 | 7,810,121.1 | 8,148,216.1 | 2,775,894.6 | 1,272,793.3 | 601,120.8 | 52,659.4 | 74,865.6 | 30,100,653.2 | | Moneda Nacional | 4,142,151.8 | 1,828,757.9 | 2,446,503.8 | 1,134,505.4 | 283,778.1 | 158,821.7 | 42,157.9 | 20,023.2 | 10,056,699.8 | | Caja | 1,001,354.8 | 616,397.7 | 985,509.3 | 143,083.5 | 74,480.0 | 91,845.5 | 5,274.3 | 9,511.1 | 2,927,456.2 | | Banco Central de Nicaragua | 1,443,286.2 | 0.0 | 158,802.1 | 414,921.7 | 46,106.9 | 178.5 | 18,007.0 | 0.0 | 2,081,302.3 | | Depositos e Instituciones Financieras del Pais | 4,176.4 | 0.0 | 0.0 | 164,299.2 | 10,166.3 | 1,398.2 | 18,876.6 | 10,512.1 | 209,428.8 | | Otras disponibilidades | 1,693,334.4 | 1,212,360.3 | 1,302,192.3 | 412,201.1 | 153,025.0 | 65,399.4 | 0.0 | 0.0 | 4,838,512.4 | | | | | | | | | | | | | Moneda Extranjera | 5,222,830.7 | 5,981,363.1 | 5,701,712.3 | 1,641,389.1 | 989,015.1 | 442,299.2 | 10,501.5 | 54,842.4 | 20,043,953.4 | | Caja | 531,898.3 | 280,649.4 | 821,260.0 | 113,872.5 | 84,580.6 | 84,790.6 | 2,281.6 | 8,234.3 | 1,927,567.4 | | Banco Central de Nicaragua | 754,319.8 | 6,014.2 | 2,051,211.9 | 103,174.8 | 206,755.5 | 2,566.7 | 17.0 | 0.0 | 3,124,060.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 17,736.1 | 0.0 | 2,071.6 | 8,202.9 | 46,608.0 | 74,618.6 | | Depositos en Instituciones Financieras del exterior | 827,888.2 | 973,295.3 | 556,607.4 | 176,568.0 | 140,461.2 | 38,889.5 | 0.0 | 0.0 | 2,713,709.5 | | Otras disponibilidades | 3,108,724.3 | 4,721,404.2 | 2,272,633.1 | 1,230,037.7 | 557,217.8 | 313,980.7 | 0.0 | 0.0 | 12,203,997.8 | | | | | | | | | | | | | Inversiones en valores, neto | 9,610,918.3 | 5,428,800.9 | 20,086.2 | 981,466.2 | 600,196.2 | 0.0 | 0.0 | 0.0 | 16,641,467.8 | | 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 | 3,006,608.3 | 2,531,320.9 | 20,086.2 | 0.0 | 600,196.2 | 0.0 | 0.0 | 0.0 | 6,158,211.5 | | Inversiones Mantenidas Hasta el Vencimiento | 6,604,310.0 | 2,897,480.1 | 0.0 | 981,466.2 | 0.0 | 0.0 | 0.0 | 0.0 | 10,483,256.3 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 962,174.9 | 805,883.5 | 0.0 | 237,871.4 | 125,027.0 | 0.0 | 0.0 | 0.0 | 2,130,956.7 | | | | | | | | | | | | | Cartera de Creditos, neta | 21,306,237.8 | 20,054,223.5 | 21,757,067.1 | 9,373,182.1 | 4,600,040.3 | 2,172,863.8 | 775,683.8 | 472,739.8 | 80,512,038.3 | | Créditos vigentes | 20,841,881.0 | 19,588,932.1 | 21,667,842.6 | 9,241,848.4 | 4,539,208.1 | 2,102,687.9 | 769,857.8 | 466,379.2 | 79,218,637.0 | | Créditos prorrogados | 114,586.1 | 13,075.5 | 45,216.6 | 0.0 | 0.0 | 0.0 | 0.0 | 131.5 | 173,009.6 | | Créditos reestructurados | 342,806.9 | 475,263.6 | 82,603.2 | 142,075.3 | 101,253.1 | 90,988.6 | 9,972.1 | 56.6 | 1,245,019.5 | | Créditos vencidos | 97,819.0 | 23,654.1 | 146,836.9 | 54,587.9 | 87,618.4 | 24,849.9 | 7,603.7 | 3,818.7 | 446,788.6 | | Créditos en cobro judicial | 49,576.0 | 69,688.1 | 106,975.3 | 57,390.1 | 9,010.5 | 4,733.8 | 1,834.0 | 0.0 | 299,207.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 330,799.4 | 286,624.6 | 219,153.8 | 94,223.2 | 54,543.3 | 49,386.7 | 15,618.9 | 12,277.5 | 1,062,627.5 | | Provisiones por incobrabilidad de cartera de creditos | -471,230.6 | -403,014.4 | -511,561.2 | -216,942.9 | -191,593.1 | -99,783.0 | -29,202.7 | -9,923.6 | -1,933,251.6 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 146,657.5 | 234,745.0 | 71,915.3 | 28,191.8 | 6,726.6 | 9,665.3 | 4,044.8 | 2,641.6 | 504,588.0 | | Bienes de uso, neto | 754,912.6 | 246,832.4 | 487,021.4 | 108,384.3 | 65,810.4 | 265,524.1 | 14,536.6 | 10,682.6 | 1,953,704.4 | | Bienes recibidos en recuperacion de creditos, neto | 19,008.4 | 112,544.9 | 9,923.6 | 5,644.0 | 865.5 | 4,862.7 | 4,875.0 | 0.0 | 157,724.1 | | Invesiones permanentes en acciones | 68,878.9 | 372,285.2 | 52,276.6 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 498,331.5 | | Otros activos neto | 98,170.7 | 379,028.9 | 99,873.5 | 82,032.0 | 39,277.4 | 53,435.9 | 25,403.0 | 9,359.5 | 786,580.9 | | Pasivo | 38,578,081.8 | 32,172,696.1 | 26,962,825.6 | 12,305,478.1 | 5,783,144.3 | 2,798,858.8 | 666,632.6 | 396,391.4 | 119,664,108.7 | | Obligaciones con el Público | 33,748,226.6 | 25,481,265.8 | 24,527,317.3 | 10,075,035.7 | 5,488,828.9 | 2,491,627.5 | 0.0 | 0.0 | 101,812,301.8 | | Moneda Nacional | 10,429,177.9 | 6,232,413.6 | 5,930,593.9 | 2,408,008.9 | 1,116,421.8 | 349,503.3 | 0.0 | 0.0 | 26,466,119.3 | | Depositos a la Vista | 4,382,790.8 | 3,459,291.8 | 3,705,620.5 | 714,996.6 | 387,230.9 | 128,107.8 | 0.0 | 0.0 | 12,778,038.4 | | Depositos de Ahorro | 5,049,594.1 | 2,314,321.3 | 1,432,981.2 | 1,555,724.0 | 189,776.8 | 186,761.5 | 0.0 | 0.0 | 10,729,159.0 | | Depositos a Plazo | 996,793.0 | 458,800.5 | 791,992.2 | 137,288.3 | 539,414.0 | 34,634.0 | 0.0 | 0.0 | 2,958,922.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,726,366.9 | 17,121,790.2 | 17,954,844.2 | 7,483,549.2 | 4,311,021.0 | 2,084,105.0 | 0.0 | 0.0 | 71,681,676.5 | | Depositos a la Vista | 7,414,051.2 | 5,371,510.0 | 6,172,366.7 | 525,420.1 | 867,486.8 | 155,570.7 | 0.0 | 0.0 | 20,506,405.5 | | Depositos de Ahorro | 9,596,697.9 | 7,515,207.6 | 7,100,835.6 | 3,942,992.4 | 1,780,887.1 | 922,096.1 | 0.0 | 0.0 | 30,858,716.8 | | Depositos a Plazo | 5,715,617.7 | 4,235,072.6 | 4,681,641.9 | 3,015,136.7 | 1,662,647.1 | 1,006,438.3 | 0.0 | 0.0 | 20,316,554.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 487,436.5 | 2,046,721.2 | 551,883.4 | 106,587.8 | 24,766.2 | 32,054.8 | 0.0 | 0.0 | 3,249,450.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 105,245.4 | 80,340.7 | 89,995.8 | 76,889.7 | 36,619.9 | 25,964.3 | 0.0 | 0.0 | 415,055.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,112,972.5 | 4,164,687.7 | 1,719,087.0 | 1,533,160.0 | 0.0 | 0.0 | 629,569.9 | 361,312.8 | 12,520,789.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 148,799.7 | 102,531.5 | 129,154.0 | 105,712.4 | 0.0 | 0.0 | 0.0 | 0.0 | 486,197.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 692,925.0 | 470,415.0 | 341,825.9 | 346,619.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,851,785.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 329,159.6 | 329,159.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,271,247.7 | 3,591,741.2 | 1,248,107.2 | 1,080,828.4 | 0.0 | 0.0 | 629,569.9 | 32,153.3 | 9,853,647.6 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 159,850.4 | 78,463.6 | 0.0 | 168,075.7 | 0.0 | 32,429.2 | 0.0 | 0.0 | 438,819.0 | | Operaciones con Reportos y Valores Derivados | 0.0 | 504,664.4 | 0.0 | 201,871.4 | 52,130.3 | 0.0 | 0.0 | 0.0 | 758,666.1 | | Otras cuentas por pagar | 111,959.3 | 636,291.6 | 265,668.9 | 34,790.5 | 32,658.8 | 25,058.6 | 7,146.3 | 9,920.4 | 1,123,494.4 | | Otros pasivos y provisiones | 362,263.4 | 419,567.1 | 450,752.4 | 141,115.9 | 209,526.3 | 71,891.2 | 29,916.3 | 25,158.1 | 1,710,190.7 | | Obligaciones subordinadas | 82,809.6 | 887,755.9 | 0.0 | 151,429.1 | 0.0 | 177,852.2 | 0.0 | 0.0 | 1,299,846.9 | | 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 | 3,753,859.8 | 3,271,769.3 | 3,683,554.2 | 1,292,078.9 | 927,592.5 | 308,613.9 | 210,570.0 | 173,897.7 | 13,621,936.4 | | Capital social pagado | 1,802,500.0 | 1,627,100.0 | 2,154,784.8 | 760,000.0 | 270,000.0 | 729,292.8 | 223,815.0 | 170,340.0 | 7,737,832.6 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Aportes patrimoniales no capitalizables | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.8 | | 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 | -4.5 | 2,441.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,236.6 | | 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 | 63,942.8 | 89,754.6 | 284,364.5 | -467,371.0 | -57,704.0 | 1,484.0 | 1,097,631.0 | | Resultados del Periodo | 673,761.2 | 609,080.3 | 823,404.9 | 243,022.3 | 154,722.8 | 12,800.8 | 26,722.1 | 1,716.9 | 2,545,231.3 | | Cuentas contingentes | 9,569,156.7 | 9,309,629.8 | 6,913,365.3 | 583,564.1 | 4,222,188.8 | 10,307.7 | 0.0 | 0.0 | 30,608,212.4 | | Cuentas de orden | 49,124,781.7 | 22,492,363.9 | 96,627,878.5 | 24,176,394.5 | 7,477,132.9 | 7,817,766.1 | 1,866,505.0 | 781,923.8 | 210,364,746.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2012 C$ 24.0260 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2013 C$ 25.2270 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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