| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 45,423,753.3 | 38,550,805.3 | 30,594,916.4 | 13,987,214.4 | 7,141,598.0 | 3,325,379.8 | 907,168.8 | 657,147.7 | 140,587,983.8 | | Disponibilidades | 10,423,110.3 | 8,775,064.2 | 7,887,412.8 | 3,036,656.3 | 1,905,313.7 | 811,698.9 | 56,060.9 | 133,335.7 | 33,028,652.8 | | Moneda Nacional | 3,609,432.2 | 2,429,555.1 | 2,051,509.2 | 1,186,512.1 | 368,339.4 | 207,543.6 | 47,714.6 | 23,336.8 | 9,923,942.8 | | Caja | 945,627.0 | 653,172.6 | 1,045,071.5 | 160,104.5 | 63,461.6 | 90,722.9 | 6,481.8 | 13,521.3 | 2,978,163.1 | | Banco Central de Nicaragua | 1,066,044.2 | 466,498.6 | 107,606.0 | 437,757.5 | 141,453.5 | 48,367.0 | 6.5 | 0.0 | 2,267,733.3 | | Depositos e Instituciones Financieras del Pais | 11,975.3 | 1.2 | 0.0 | 210,195.1 | 11,539.3 | 1,404.3 | 41,226.3 | 9,815.5 | 286,157.0 | | Otras disponibilidades | 1,585,785.7 | 1,309,882.8 | 898,831.6 | 378,455.0 | 151,884.9 | 67,049.4 | 0.0 | 0.0 | 4,391,889.4 | | | | | | | | | | | | | Moneda Extranjera | 6,813,678.1 | 6,345,509.1 | 5,835,903.7 | 1,850,144.2 | 1,536,974.3 | 604,155.3 | 8,346.3 | 109,999.0 | 23,104,710.0 | | Caja | 521,882.1 | 345,566.1 | 706,916.7 | 120,158.8 | 99,632.6 | 112,741.9 | 2,211.6 | 6,213.8 | 1,915,323.6 | | Banco Central de Nicaragua | 1,161,037.3 | 700,485.8 | 1,185,584.8 | 28,818.9 | 658,076.3 | 38,058.6 | 8.1 | 0.0 | 3,772,069.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 5,702.5 | 0.0 | 30,519.0 | 6,126.6 | 103,785.2 | 146,133.3 | | Depositos en Instituciones Financieras del exterior | 2,134,059.8 | 821,698.2 | 1,676,644.6 | 417,572.7 | 221,207.1 | 81,122.7 | 0.0 | 0.0 | 5,352,305.0 | | Otras disponibilidades | 2,996,699.0 | 4,477,759.1 | 2,266,757.6 | 1,277,891.4 | 558,058.3 | 341,713.1 | 0.0 | 0.0 | 11,918,878.4 | | | | | | | | | | | | | Inversiones en valores, neto | 11,399,860.2 | 5,804,666.0 | 15,587.8 | 912,563.5 | 674,069.1 | 0.0 | 0.0 | 0.0 | 18,806,746.6 | | 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 | 4,983,061.6 | 2,748,476.8 | 15,587.8 | 0.0 | 674,069.1 | 0.0 | 0.0 | 0.0 | 8,421,195.2 | | Inversiones Mantenidas Hasta el Vencimiento | 6,416,798.6 | 3,056,189.3 | 0.0 | 912,563.5 | 0.0 | 0.0 | 0.0 | 0.0 | 10,385,551.4 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 179,370.4 | 0.0 | 0.0 | 0.0 | 34,202.9 | 0.0 | 0.0 | 0.0 | 213,573.2 | | | | | | | | | | | | | Cartera de Creditos, neta | 22,252,552.1 | 22,531,081.1 | 21,942,494.6 | 9,787,566.4 | 4,406,984.6 | 2,165,108.9 | 803,129.9 | 500,430.3 | 84,389,347.9 | | Créditos vigentes | 21,824,988.7 | 21,969,869.5 | 21,932,869.9 | 9,635,933.7 | 4,356,828.6 | 2,112,937.2 | 796,078.0 | 493,105.3 | 83,122,610.8 | | Créditos prorrogados | 117,742.1 | 9,443.1 | 1,599.5 | 3,890.1 | 0.0 | 0.0 | 0.0 | 183.0 | 132,857.8 | | Créditos reestructurados | 321,938.0 | 519,398.1 | 67,312.1 | 149,121.5 | 92,801.4 | 83,159.2 | 9,383.4 | 628.8 | 1,243,742.6 | | Créditos vencidos | 82,433.3 | 61,809.9 | 95,191.1 | 54,706.0 | 84,034.0 | 26,521.1 | 8,135.5 | 4,137.5 | 416,968.4 | | Créditos en cobro judicial | 62,874.8 | 60,523.7 | 116,879.1 | 58,681.9 | 8,121.9 | 2,276.3 | 1,546.3 | 0.0 | 310,904.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 347,496.1 | 345,557.3 | 240,206.6 | 98,796.1 | 55,450.0 | 43,113.6 | 14,533.8 | 13,167.8 | 1,158,321.3 | | Provisiones por incobrabilidad de cartera de creditos | -504,920.8 | -435,520.6 | -511,563.7 | -213,562.9 | -190,251.2 | -102,898.5 | -26,547.1 | -10,792.1 | -1,996,056.9 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 133,063.6 | 237,614.8 | 78,447.7 | 26,167.9 | 8,533.9 | 11,841.7 | 2,538.9 | 1,567.7 | 499,776.3 | | Bienes de uso, neto | 773,440.8 | 247,461.9 | 573,637.6 | 111,906.1 | 62,763.2 | 260,342.1 | 14,741.4 | 10,682.7 | 2,054,975.8 | | Bienes recibidos en recuperacion de creditos, neto | 18,479.6 | 105,886.2 | 6,801.2 | 7,756.1 | 851.1 | 4,507.3 | 3,150.6 | 0.0 | 147,432.1 | | Invesiones permanentes en acciones | 141,723.3 | 372,285.2 | 53,874.8 | 5,485.1 | 0.0 | 0.0 | 0.0 | 0.0 | 573,368.5 | | Otros activos neto | 102,152.9 | 476,746.0 | 36,660.0 | 99,112.9 | 48,879.7 | 71,880.7 | 27,547.1 | 11,131.3 | 874,110.6 | | Pasivo | 41,450,785.0 | 35,062,471.2 | 26,672,041.9 | 12,615,783.8 | 6,173,676.0 | 2,974,341.8 | 685,565.6 | 478,965.6 | 126,113,631.0 | | Obligaciones con el Público | 36,840,830.7 | 28,577,438.0 | 24,481,789.0 | 10,339,763.1 | 5,946,735.9 | 2,721,499.6 | 0.0 | 0.0 | 108,908,056.4 | | Moneda Nacional | 11,776,156.6 | 7,021,608.3 | 5,949,018.8 | 2,262,636.4 | 1,232,354.7 | 390,921.4 | 0.0 | 0.0 | 28,632,696.1 | | Depositos a la Vista | 4,834,199.8 | 3,707,825.4 | 3,653,199.6 | 675,567.1 | 370,242.4 | 151,962.8 | 0.0 | 0.0 | 13,392,997.2 | | Depositos de Ahorro | 5,958,789.7 | 2,765,251.8 | 1,542,426.1 | 1,448,102.4 | 225,738.1 | 204,248.0 | 0.0 | 0.0 | 12,144,556.1 | | Depositos a Plazo | 983,167.1 | 548,531.0 | 753,393.1 | 138,966.9 | 636,374.3 | 34,710.6 | 0.0 | 0.0 | 3,095,142.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 24,468,298.7 | 19,237,313.1 | 17,887,984.3 | 7,754,660.3 | 4,656,957.9 | 2,263,797.7 | 0.0 | 0.0 | 76,269,012.0 | | Depositos a la Vista | 7,122,140.1 | 6,641,530.1 | 5,518,063.3 | 553,049.4 | 845,769.3 | 222,983.4 | 0.0 | 0.0 | 20,903,535.6 | | Depositos de Ahorro | 11,594,279.8 | 7,943,020.3 | 7,644,695.2 | 3,851,934.9 | 1,839,915.4 | 1,025,733.6 | 0.0 | 0.0 | 33,899,579.2 | | Depositos a Plazo | 5,751,878.7 | 4,652,762.7 | 4,725,225.8 | 3,349,676.0 | 1,971,273.2 | 1,015,080.7 | 0.0 | 0.0 | 21,465,897.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 496,427.0 | 2,238,816.2 | 542,198.9 | 235,238.8 | 20,898.7 | 40,809.6 | 0.0 | 0.0 | 3,574,389.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 99,948.5 | 79,700.5 | 102,587.0 | 87,227.5 | 36,524.7 | 25,970.9 | 0.0 | 0.0 | 431,959.0 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,895,903.7 | 4,381,153.8 | 1,645,462.2 | 1,842,130.4 | 0.0 | 0.0 | 645,735.7 | 437,052.0 | 12,847,437.8 | | Préstamos de la Financiera Nicaraguense de Inversiones | 143,379.7 | 95,969.2 | 140,817.0 | 103,500.2 | 0.0 | 0.0 | 0.0 | 0.0 | 483,666.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 656,896.2 | 606,303.3 | 301,919.4 | 356,414.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,921,533.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 403,356.9 | 403,356.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,095,627.8 | 3,678,881.3 | 1,202,725.8 | 1,382,215.6 | 0.0 | 0.0 | 645,735.7 | 33,695.1 | 10,038,881.3 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 162,639.0 | 79,737.0 | 0.0 | 116,714.1 | 0.0 | 33,014.5 | 0.0 | 0.0 | 392,104.6 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras cuentas por pagar | 128,360.0 | 777,137.9 | 144,568.7 | 34,151.5 | 47,366.0 | 34,725.4 | 8,269.3 | 18,210.5 | 1,192,789.3 | | Otros pasivos y provisiones | 345,698.0 | 384,353.6 | 400,222.0 | 138,798.4 | 179,574.0 | 64,391.2 | 31,560.6 | 23,703.1 | 1,568,300.9 | | Obligaciones subordinadas | 77,353.5 | 862,650.9 | 0.0 | 144,226.5 | 0.0 | 120,711.0 | 0.0 | 0.0 | 1,204,941.9 | | 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 | 3,972,968.3 | 3,488,334.1 | 3,922,874.5 | 1,371,430.6 | 967,922.0 | 351,037.9 | 221,603.2 | 178,182.1 | 14,474,352.8 | | 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 | -91.3 | 8,508.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,217.3 | | 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 | 130,468.3 | 146,714.5 | 164,925.3 | 43,707.5 | 22,469.4 | -8,432.9 | 4,618.3 | 2,493.7 | 506,964.1 | | Cuentas contingentes | 9,601,795.7 | 9,982,788.9 | 7,019,276.0 | 661,946.2 | 4,371,185.8 | 10,422.4 | 0.0 | 0.0 | 31,647,415.0 | | Cuentas de orden | 51,377,846.4 | 29,446,471.5 | 188,870,595.1 | 24,961,466.1 | 8,115,633.4 | 7,955,282.1 | 1,945,968.7 | 827,915.3 | 313,501,178.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2013 C$ 24.3165 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2014 C$ 25.5323 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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