| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 43,042,694.4 | 38,329,863.3 | 29,875,697.7 | 13,775,826.1 | 6,886,436.5 | 3,254,695.2 | 894,317.4 | 598,231.7 | 136,657,762.3 | | Disponibilidades | 10,177,671.9 | 9,327,189.0 | 7,582,160.4 | 2,543,949.1 | 1,838,860.5 | 728,964.7 | 58,841.6 | 80,421.5 | 32,338,058.7 | | Moneda Nacional | 3,767,759.2 | 2,043,326.8 | 2,091,180.5 | 718,151.5 | 536,123.7 | 170,439.1 | 45,364.6 | 20,176.0 | 9,392,521.4 | | Caja | 929,148.7 | 624,272.0 | 943,061.9 | 161,191.6 | 48,171.1 | 100,988.5 | 6,187.3 | 9,205.8 | 2,822,226.9 | | Banco Central de Nicaragua | 1,412,597.5 | 194,949.6 | 211,966.6 | 191,351.0 | 325,754.5 | 9,261.0 | 19,006.6 | 0.0 | 2,364,886.9 | | Depositos e Instituciones Financieras del Pais | 9,285.4 | 0.0 | 0.0 | 1,300.3 | 11,700.5 | 1,476.7 | 20,170.8 | 10,970.2 | 54,903.9 | | Otras disponibilidades | 1,416,727.6 | 1,224,105.1 | 936,151.9 | 364,308.6 | 150,497.6 | 58,712.9 | 0.0 | 0.0 | 4,150,503.8 | | | | | | | | | | | | | Moneda Extranjera | 6,409,912.7 | 7,283,862.2 | 5,490,980.0 | 1,825,797.5 | 1,302,736.9 | 558,525.5 | 13,477.0 | 60,245.5 | 22,945,537.2 | | Caja | 531,530.2 | 328,459.1 | 710,776.0 | 137,490.9 | 84,627.6 | 79,062.8 | 2,291.6 | 7,646.7 | 1,881,884.9 | | Banco Central de Nicaragua | 1,499,613.8 | 342,539.0 | 1,281,642.2 | 156,963.0 | 572,542.0 | 57,128.4 | 8.0 | 0.0 | 3,910,436.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 5,375.8 | 0.0 | 3,886.0 | 11,177.3 | 52,598.9 | 73,038.0 | | Depositos en Instituciones Financieras del exterior | 1,393,591.2 | 1,311,370.0 | 1,213,243.0 | 301,045.9 | 113,352.0 | 83,384.8 | 0.0 | 0.0 | 4,415,986.9 | | Otras disponibilidades | 2,985,177.5 | 5,301,494.2 | 2,285,318.7 | 1,224,921.9 | 532,215.3 | 335,063.5 | 0.0 | 0.0 | 12,664,191.1 | | | | | | | | | | | | | Inversiones en valores, neto | 8,956,990.1 | 5,786,672.6 | 20,573.9 | 1,246,539.5 | 425,285.9 | 0.0 | 0.0 | 0.0 | 16,436,062.1 | | 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 | 2,329,537.9 | 2,944,676.6 | 20,573.9 | 0.0 | 425,285.9 | 0.0 | 0.0 | 0.0 | 5,720,074.3 | | Inversiones Mantenidas Hasta el Vencimiento | 6,627,452.3 | 2,841,996.0 | 0.0 | 1,246,539.5 | 0.0 | 0.0 | 0.0 | 0.0 | 10,715,987.8 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 490,042.3 | 0.0 | 0.0 | 0.0 | 126,815.7 | 0.0 | 0.0 | 0.0 | 616,858.0 | | | | | | | | | | | | | Cartera de Creditos, neta | 22,220,260.1 | 21,793,011.6 | 21,511,231.8 | 9,746,371.2 | 4,376,053.0 | 2,170,488.7 | 787,474.0 | 494,834.1 | 83,099,724.7 | | Créditos vigentes | 21,760,063.7 | 21,227,160.6 | 21,460,556.0 | 9,588,974.0 | 4,324,679.0 | 2,104,658.6 | 778,289.1 | 488,434.3 | 81,732,815.2 | | Créditos prorrogados | 107,182.4 | 41,472.1 | 27,030.5 | 3,875.6 | 0.0 | 0.0 | 0.0 | 107.2 | 179,667.8 | | Créditos reestructurados | 348,596.7 | 490,927.3 | 66,847.1 | 152,137.0 | 95,837.8 | 87,970.5 | 9,602.9 | 316.6 | 1,252,235.9 | | Créditos vencidos | 78,787.8 | 65,733.8 | 122,780.9 | 49,809.2 | 82,447.8 | 25,846.6 | 8,552.9 | 4,001.7 | 437,960.8 | | Créditos en cobro judicial | 63,133.8 | 61,820.7 | 100,086.9 | 57,575.9 | 8,683.2 | 4,168.2 | 1,589.2 | 0.0 | 297,058.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 358,959.1 | 334,645.8 | 233,334.3 | 105,472.2 | 52,300.7 | 49,502.9 | 15,868.7 | 12,403.5 | 1,162,487.3 | | Provisiones por incobrabilidad de cartera de creditos | -496,463.3 | -428,748.8 | -499,404.0 | -211,472.6 | -187,895.5 | -101,658.1 | -26,428.9 | -10,429.1 | -1,962,500.3 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 160,158.3 | 236,597.2 | 78,270.8 | 26,510.0 | 5,972.2 | 14,666.4 | 1,867.5 | 1,665.8 | 525,708.3 | | Bienes de uso, neto | 767,721.9 | 249,756.9 | 575,547.1 | 112,071.3 | 63,675.1 | 262,131.6 | 14,976.1 | 10,494.5 | 2,056,374.5 | | Bienes recibidos en recuperacion de creditos, neto | 19,547.6 | 108,740.8 | 11,253.8 | 7,756.1 | 851.1 | 4,507.3 | 3,532.3 | 0.0 | 156,189.0 | | Invesiones permanentes en acciones | 141,723.3 | 372,285.2 | 53,260.8 | 5,485.1 | 0.0 | 0.0 | 0.0 | 0.0 | 572,754.5 | | Otros activos neto | 108,578.8 | 455,609.9 | 43,399.1 | 87,143.8 | 48,922.9 | 73,936.4 | 27,625.9 | 10,815.8 | 856,032.6 | | Pasivo | 39,135,259.7 | 34,923,341.5 | 26,030,923.4 | 12,422,276.6 | 5,930,628.0 | 2,897,535.4 | 674,374.1 | 421,533.8 | 122,435,872.4 | | Obligaciones con el Público | 34,551,046.1 | 28,869,342.1 | 23,935,673.4 | 9,963,767.5 | 5,690,713.2 | 2,633,678.0 | 0.0 | 0.0 | 105,644,220.4 | | Moneda Nacional | 11,423,689.5 | 6,733,482.2 | 5,956,155.5 | 1,964,526.1 | 1,262,210.7 | 371,275.5 | 0.0 | 0.0 | 27,711,339.5 | | Depositos a la Vista | 4,867,783.1 | 3,667,095.4 | 3,640,283.9 | 534,962.7 | 418,246.2 | 135,216.2 | 0.0 | 0.0 | 13,263,587.6 | | Depositos de Ahorro | 5,644,590.7 | 2,555,571.8 | 1,532,290.3 | 1,291,728.0 | 209,727.0 | 202,437.5 | 0.0 | 0.0 | 11,436,345.2 | | Depositos a Plazo | 911,315.7 | 510,815.0 | 783,581.2 | 137,835.4 | 634,237.5 | 33,621.9 | 0.0 | 0.0 | 3,011,406.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,548,568.5 | 19,889,430.3 | 17,299,323.4 | 7,722,192.8 | 4,361,054.5 | 2,201,171.9 | 0.0 | 0.0 | 74,021,741.4 | | Depositos a la Vista | 6,349,212.7 | 7,581,944.4 | 5,242,583.1 | 525,553.9 | 734,173.8 | 195,298.7 | 0.0 | 0.0 | 20,628,766.7 | | Depositos de Ahorro | 10,439,769.0 | 7,688,248.4 | 7,383,993.0 | 3,874,797.7 | 1,797,078.2 | 989,421.8 | 0.0 | 0.0 | 32,173,308.1 | | Depositos a Plazo | 5,759,586.7 | 4,619,237.4 | 4,672,747.3 | 3,321,841.2 | 1,829,802.6 | 1,016,451.4 | 0.0 | 0.0 | 21,219,666.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 472,989.1 | 2,160,668.8 | 580,678.8 | 193,863.0 | 27,628.2 | 35,064.3 | 0.0 | 0.0 | 3,470,892.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 105,799.1 | 85,760.8 | 99,515.7 | 83,185.6 | 39,819.7 | 26,166.3 | 0.0 | 0.0 | 440,247.3 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,870,134.2 | 4,031,359.4 | 1,519,443.9 | 1,770,980.1 | 0.0 | 0.0 | 632,303.8 | 382,705.6 | 12,206,926.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 145,891.2 | 97,692.0 | 143,157.6 | 104,266.3 | 0.0 | 0.0 | 0.0 | 0.0 | 491,007.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 672,510.7 | 607,113.8 | 322,731.9 | 260,772.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,863,128.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 350,977.4 | 350,977.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,051,732.3 | 3,326,553.5 | 1,053,554.3 | 1,405,941.7 | 0.0 | 0.0 | 632,303.8 | 31,728.2 | 9,501,813.9 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 161,869.3 | 79,198.0 | 0.0 | 117,141.9 | 0.0 | 32,836.9 | 0.0 | 0.0 | 391,046.1 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 267,711.0 | 20,591.1 | 0.0 | 0.0 | 0.0 | 288,302.1 | | Otras cuentas por pagar | 126,010.0 | 718,649.4 | 156,844.4 | 35,942.0 | 41,141.5 | 44,239.6 | 8,400.6 | 15,928.2 | 1,147,155.6 | | Otros pasivos y provisiones | 349,413.0 | 368,897.1 | 418,961.8 | 123,564.5 | 178,182.2 | 67,232.7 | 33,669.7 | 22,900.0 | 1,562,820.9 | | Obligaciones subordinadas | 76,787.1 | 855,895.5 | 0.0 | 143,169.5 | 0.0 | 119,548.2 | 0.0 | 0.0 | 1,195,400.3 | | 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 | 3,907,434.7 | 3,406,521.8 | 3,844,774.3 | 1,353,549.6 | 955,808.5 | 357,159.8 | 219,943.3 | 176,697.9 | 14,221,889.9 | | Capital social pagado | 1,802,500.0 | 1,627,100.0 | 2,154,784.8 | 760,000.0 | 270,000.0 | 779,880.4 | 223,815.0 | 170,340.0 | 7,788,420.2 | | 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 | -31.1 | -3,249.2 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,480.2 | | Reservas patrimoniales | 694,119.6 | 547,844.0 | 775,291.7 | 241,102.0 | 244,392.6 | 33,891.0 | 4,970.5 | 882.9 | 2,542,494.4 | | Resultados acumulados de ejercicios anteriores | 1,345,971.7 | 1,158,166.5 | 827,072.7 | 326,621.1 | 431,060.0 | -454,300.8 | -11,800.6 | 4,465.5 | 3,627,256.0 | | Resultados del Periodo | 64,874.5 | 76,659.9 | 86,825.2 | 25,826.5 | 10,355.9 | -2,311.1 | 2,958.4 | 1,009.4 | 266,198.7 | | Cuentas contingentes | 9,525,179.3 | 9,610,023.7 | 7,047,628.4 | 649,401.7 | 4,365,235.2 | 10,383.8 | 0.0 | 0.0 | 31,207,852.1 | | Cuentas de orden | 50,812,060.1 | 29,285,556.5 | 108,096,654.3 | 25,195,410.8 | 8,054,238.8 | 7,911,679.1 | 1,904,207.8 | 805,417.7 | 232,065,225.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2013 C$ 24.2257 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2014 C$ 25.4370 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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