| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 47,578,178.4 | 38,019,798.9 | 31,078,936.1 | 14,450,649.8 | 7,260,508.0 | 3,309,225.5 | 947,933.4 | 669,279.5 | 143,314,509.7 | | Disponibilidades | 12,487,061.9 | 7,924,380.1 | 8,026,565.1 | 3,190,059.3 | 2,126,185.5 | 813,654.9 | 50,801.0 | 135,343.0 | 34,754,050.7 | | Moneda Nacional | 3,926,167.6 | 2,604,078.0 | 2,733,691.0 | 1,154,174.2 | 398,590.9 | 164,914.5 | 22,327.3 | 21,554.3 | 11,025,497.6 | | Caja | 906,876.9 | 628,457.4 | 1,036,773.5 | 163,047.3 | 67,347.1 | 70,219.6 | 3,788.7 | 12,680.6 | 2,889,191.1 | | Banco Central de Nicaragua | 1,179,518.9 | 599,536.0 | 764,137.3 | 419,960.7 | 164,557.0 | 16,637.9 | 6.3 | 0.0 | 3,144,354.0 | | Depositos e Instituciones Financieras del Pais | 25,171.1 | 0.0 | 0.0 | 58,869.9 | 6,496.5 | 2,104.6 | 18,532.3 | 8,873.7 | 120,048.2 | | Otras disponibilidades | 1,814,600.7 | 1,376,084.6 | 932,780.2 | 512,296.3 | 160,190.3 | 75,952.4 | 0.0 | 0.0 | 4,871,904.4 | | | | | | | | | | | | | Moneda Extranjera | 8,560,894.3 | 5,320,302.1 | 5,292,874.1 | 2,035,885.1 | 1,727,594.6 | 648,740.4 | 28,473.7 | 113,788.6 | 23,728,553.1 | | Caja | 575,833.3 | 374,709.0 | 717,780.2 | 139,132.5 | 104,463.6 | 102,242.2 | 2,143.7 | 9,244.0 | 2,025,548.6 | | Banco Central de Nicaragua | 1,341,250.1 | 127,393.1 | 1,244,818.1 | 5,836.1 | 735,787.9 | 75,407.3 | 15,453.0 | 0.0 | 3,545,945.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 140,922.8 | 0.0 | 45,749.2 | 10,877.1 | 104,544.6 | 302,093.7 | | Depositos en Instituciones Financieras del exterior | 3,326,723.8 | 539,997.3 | 979,841.4 | 421,822.4 | 305,296.5 | 85,786.4 | 0.0 | 0.0 | 5,659,467.8 | | Otras disponibilidades | 3,317,087.1 | 4,278,202.7 | 2,350,434.4 | 1,328,171.2 | 582,046.6 | 339,555.3 | 0.0 | 0.0 | 12,195,497.3 | | | | | | | | | | | | | Inversiones en valores, neto | 11,206,182.8 | 5,214,300.7 | 15,998.5 | 1,010,022.5 | 640,859.2 | 0.0 | 20,022.7 | 0.0 | 18,107,386.4 | | 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 | 3,304,543.3 | 2,871,447.7 | 15,998.5 | 77,185.6 | 640,859.2 | 0.0 | 0.0 | 0.0 | 6,910,034.2 | | Inversiones Mantenidas Hasta el Vencimiento | 7,901,639.6 | 2,342,853.0 | 0.0 | 932,836.9 | 0.0 | 0.0 | 20,022.7 | 0.0 | 11,197,352.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 169,526.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 169,526.2 | | | | | | | | | | | | | Cartera de Creditos, neta | 22,555,465.9 | 23,275,518.7 | 22,290,183.2 | 9,986,005.2 | 4,349,630.5 | 2,154,778.0 | 828,888.9 | 512,744.5 | 85,953,214.9 | | Créditos vigentes | 22,167,991.6 | 22,726,002.1 | 22,299,780.3 | 9,834,479.9 | 4,308,391.1 | 2,108,523.3 | 820,784.7 | 505,486.7 | 84,771,439.9 | | Créditos prorrogados | 30,707.8 | 10,917.5 | 4,550.3 | 3,922.0 | 0.0 | 0.0 | 0.0 | 56.2 | 50,153.9 | | Créditos reestructurados | 406,176.9 | 498,168.3 | 63,032.6 | 143,107.1 | 84,525.0 | 77,440.9 | 9,479.2 | 879.6 | 1,282,809.6 | | Créditos vencidos | 85,843.5 | 80,700.0 | 114,872.5 | 58,318.2 | 95,629.1 | 32,465.6 | 7,977.0 | 5,216.8 | 481,022.8 | | Créditos en cobro judicial | 49,778.3 | 65,454.8 | 132,013.5 | 60,565.7 | 10,042.9 | 2,425.0 | 1,856.7 | 0.0 | 322,136.8 | | Intereses y Comisiones por Cobrar sobre Creditos | 332,498.5 | 356,414.9 | 202,289.9 | 104,834.9 | 53,792.1 | 38,312.0 | 16,384.0 | 13,420.5 | 1,117,946.8 | | Provisiones por incobrabilidad de cartera de creditos | -517,530.8 | -462,139.0 | -526,356.0 | -219,222.5 | -202,749.6 | -104,388.9 | -27,592.9 | -12,315.4 | -2,072,295.0 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 122,891.3 | 254,629.0 | 78,088.6 | 28,756.1 | 8,320.7 | 8,813.8 | 2,885.8 | 1,906.5 | 506,291.8 | | Bienes de uso, neto | 772,793.7 | 251,625.5 | 567,935.6 | 112,606.3 | 63,487.2 | 258,949.6 | 14,517.9 | 10,412.2 | 2,052,327.9 | | Bienes recibidos en recuperacion de creditos, neto | 19,519.5 | 90,782.2 | 7,166.3 | 7,677.6 | 843.7 | 3,014.1 | 1,963.8 | 0.0 | 130,967.4 | | Invesiones permanentes en acciones | 141,723.3 | 475,878.5 | 54,860.8 | 5,462.5 | 0.0 | 0.0 | 0.0 | 0.0 | 677,925.1 | | Otros activos neto | 103,013.8 | 532,684.1 | 38,137.9 | 110,060.3 | 71,181.3 | 70,015.1 | 28,853.4 | 8,873.3 | 962,819.2 | | Pasivo | 43,484,677.5 | 34,291,085.1 | 27,005,380.5 | 13,038,875.3 | 6,282,116.4 | 2,960,717.1 | 721,970.2 | 490,193.3 | 128,275,015.4 | | Obligaciones con el Público | 38,955,422.2 | 27,283,777.6 | 24,799,436.9 | 10,946,334.7 | 5,987,341.8 | 2,701,433.6 | 0.0 | 0.0 | 110,673,746.8 | | Moneda Nacional | 11,592,399.3 | 6,877,765.2 | 6,228,878.0 | 2,448,919.9 | 1,311,424.4 | 410,414.7 | 0.0 | 0.0 | 28,869,801.5 | | Depositos a la Vista | 5,002,297.6 | 3,545,000.4 | 3,663,236.8 | 725,202.8 | 469,679.0 | 172,105.4 | 0.0 | 0.0 | 13,577,522.1 | | Depositos de Ahorro | 5,576,352.4 | 2,823,355.1 | 1,862,192.7 | 1,550,696.6 | 198,067.9 | 203,512.4 | 0.0 | 0.0 | 12,214,177.2 | | Depositos a Plazo | 1,013,749.3 | 509,409.7 | 703,448.5 | 173,020.5 | 643,677.5 | 34,796.9 | 0.0 | 0.0 | 3,078,102.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 26,588,510.5 | 18,510,844.8 | 17,861,866.5 | 8,164,906.7 | 4,600,403.1 | 2,229,049.2 | 0.0 | 0.0 | 77,955,580.9 | | Depositos a la Vista | 8,059,912.3 | 4,918,434.2 | 5,399,440.7 | 510,816.6 | 869,677.8 | 239,011.9 | 0.0 | 0.0 | 19,997,293.6 | | Depositos de Ahorro | 12,610,850.9 | 8,644,091.1 | 7,621,593.1 | 4,321,216.0 | 1,744,314.8 | 1,009,015.7 | 0.0 | 0.0 | 35,951,081.5 | | Depositos a Plazo | 5,917,747.4 | 4,948,319.5 | 4,840,832.8 | 3,332,874.1 | 1,986,410.5 | 981,021.6 | 0.0 | 0.0 | 22,007,205.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 670,658.1 | 1,806,487.7 | 594,957.9 | 253,678.8 | 33,406.0 | 34,653.9 | 0.0 | 0.0 | 3,393,842.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 103,854.2 | 88,679.9 | 113,734.5 | 78,829.3 | 42,108.2 | 27,315.8 | 0.0 | 0.0 | 454,521.9 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,800,475.6 | 4,946,923.2 | 1,648,278.7 | 1,666,860.9 | 0.0 | 0.0 | 680,507.9 | 454,745.4 | 13,197,791.8 | | Préstamos de la Financiera Nicaraguense de Inversiones | 141,291.5 | 122,898.4 | 139,143.5 | 101,968.4 | 0.0 | 0.0 | 0.0 | 0.0 | 505,301.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 712,490.5 | 798,476.6 | 298,278.5 | 362,208.2 | 0.0 | 0.0 | 0.0 | 0.0 | 2,171,453.8 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 415,240.7 | 415,240.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,946,693.6 | 4,025,548.1 | 1,210,856.8 | 1,202,684.3 | 0.0 | 0.0 | 680,507.9 | 39,504.7 | 10,105,795.4 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 199,995.2 | 44,510.1 | 0.0 | 114,081.7 | 0.0 | 33,424.3 | 0.0 | 0.0 | 392,011.3 | | 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 | 104,166.6 | 761,676.3 | 126,160.5 | 42,105.7 | 63,365.2 | 37,999.5 | 7,792.3 | 11,357.4 | 1,154,623.4 | | Otros pasivos y provisiones | 353,397.5 | 405,072.8 | 431,504.3 | 133,648.9 | 231,409.4 | 64,590.0 | 33,670.1 | 24,090.5 | 1,677,383.4 | | Obligaciones subordinadas | 71,220.5 | 849,125.1 | 0.0 | 135,843.3 | 0.0 | 123,269.8 | 0.0 | 0.0 | 1,179,458.7 | | 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 | 4,093,501.0 | 3,728,713.8 | 4,073,555.6 | 1,411,774.5 | 978,391.6 | 348,508.3 | 225,963.2 | 179,086.2 | 15,039,494.3 | | Capital social pagado | 1,802,500.0 | 1,627,100.0 | 2,677,100.0 | 760,000.0 | 300,000.0 | 779,880.4 | 223,815.0 | 170,340.0 | 8,340,735.4 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Aportes patrimoniales no capitalizables | 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 | -4.3 | 6,938.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,734.3 | | Reservas patrimoniales | 694,119.6 | 667,224.5 | 775,291.7 | 241,162.0 | 244,392.6 | 35,691.1 | 4,970.5 | 882.9 | 2,663,735.1 | | Resultados acumulados de ejercicios anteriores | 1,345,971.7 | 1,124,792.2 | 304,757.5 | 326,961.3 | 401,060.0 | -457,170.5 | -12,858.7 | 4,465.5 | 3,037,979.0 | | Resultados del Periodo | 250,914.0 | 302,657.9 | 315,606.5 | 83,651.1 | 32,939.0 | -9,892.9 | 10,036.4 | 3,397.8 | 989,309.7 | | Cuentas contingentes | 9,684,142.5 | 9,101,438.2 | 7,407,636.5 | 613,199.7 | 4,405,385.6 | 1,883.7 | 0.0 | 0.0 | 31,213,686.3 | | Cuentas de orden | 53,926,262.6 | 28,564,811.9 | 190,774,803.2 | 26,596,627.1 | 8,208,202.0 | 8,023,200.5 | 1,957,844.3 | 854,189.4 | 318,905,941.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2013 C$ 24.5156 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2014 C$ 25.7414 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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