| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 48,235,840.0 | 38,770,078.3 | 32,320,162.2 | 14,286,570.4 | 7,128,517.4 | 3,174,080.7 | 978,871.9 | 681,459.9 | 145,575,580.9 | | Disponibilidades | 11,045,289.9 | 8,258,542.1 | 8,861,963.2 | 2,813,237.2 | 1,684,141.8 | 657,209.3 | 64,811.2 | 109,996.6 | 33,495,191.3 | | Moneda Nacional | 3,794,563.9 | 2,433,087.1 | 2,463,331.6 | 913,092.8 | 258,057.3 | 134,392.9 | 39,182.8 | 18,712.1 | 10,054,420.5 | | Caja | 870,102.7 | 585,664.1 | 987,006.0 | 127,905.7 | 48,756.4 | 66,924.3 | 5,078.6 | 10,673.0 | 2,702,110.7 | | Banco Central de Nicaragua | 1,410,774.1 | 489,462.4 | 548,028.9 | 347,519.1 | 45,037.4 | 4,217.2 | 13,788.2 | 0.0 | 2,858,827.4 | | Depositos e Instituciones Financieras del Pais | 31,228.7 | 0.0 | 0.0 | 41,014.0 | 2,662.1 | 1,165.1 | 20,316.0 | 8,039.1 | 104,425.0 | | Otras disponibilidades | 1,482,458.3 | 1,357,960.6 | 928,296.8 | 396,654.0 | 161,601.3 | 62,086.4 | 0.0 | 0.0 | 4,389,057.4 | | | | | | | | | | | | | Moneda Extranjera | 7,250,726.0 | 5,825,455.0 | 6,398,631.5 | 1,900,144.5 | 1,426,084.5 | 522,816.4 | 25,628.4 | 91,284.5 | 23,440,770.8 | | Caja | 559,828.0 | 355,243.2 | 927,125.2 | 159,495.3 | 88,349.8 | 80,926.4 | 2,387.2 | 6,530.6 | 2,179,885.6 | | Banco Central de Nicaragua | 859,101.2 | 126,856.1 | 1,240,656.7 | 0.0 | 718,764.5 | 0.0 | 12,467.0 | 0.0 | 2,957,845.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 158,847.2 | 0.0 | 2,746.1 | 10,774.1 | 84,753.9 | 257,121.3 | | Depositos en Instituciones Financieras del exterior | 2,464,232.5 | 617,287.7 | 1,803,133.1 | 268,493.5 | 54,858.2 | 105,872.2 | 0.0 | 0.0 | 5,313,877.1 | | Otras disponibilidades | 3,367,564.2 | 4,726,068.1 | 2,427,716.6 | 1,313,308.5 | 564,112.1 | 333,271.7 | 0.0 | 0.0 | 12,732,041.2 | | | | | | | | | | | | | Inversiones en valores, neto | 12,211,126.6 | 5,513,338.5 | 16,209.4 | 1,172,007.3 | 756,564.0 | 0.0 | 0.0 | 0.0 | 19,669,245.8 | | 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 | 4,657,046.6 | 2,896,434.0 | 16,209.4 | 228,564.5 | 756,564.0 | 0.0 | 0.0 | 0.0 | 8,554,818.4 | | Inversiones Mantenidas Hasta el Vencimiento | 7,554,080.0 | 2,616,904.6 | 0.0 | 943,442.8 | 0.0 | 0.0 | 0.0 | 0.0 | 11,114,427.4 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 160,695.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 160,695.7 | | | | | | | | | | | | | Cartera de Creditos, neta | 23,610,307.9 | 23,348,428.3 | 22,696,017.3 | 10,032,540.3 | 4,505,443.9 | 2,183,878.0 | 858,359.2 | 538,661.0 | 87,773,636.0 | | Créditos vigentes | 23,228,906.4 | 22,785,752.4 | 22,698,301.9 | 9,887,841.7 | 4,462,730.2 | 2,141,186.6 | 848,877.6 | 531,946.2 | 86,585,542.9 | | Créditos prorrogados | 27,241.4 | 11,311.5 | 6,694.5 | 3,648.2 | 0.0 | 0.0 | 0.0 | 38.2 | 48,933.7 | | Créditos reestructurados | 407,720.2 | 498,792.2 | 63,435.3 | 130,218.0 | 81,517.6 | 76,249.3 | 9,558.5 | 617.6 | 1,268,108.7 | | Créditos vencidos | 106,782.2 | 67,804.1 | 144,708.9 | 53,797.0 | 109,209.1 | 35,249.8 | 8,483.3 | 5,861.7 | 531,896.0 | | Créditos en cobro judicial | 53,666.6 | 85,264.7 | 127,512.4 | 60,376.4 | 7,875.8 | 2,670.7 | 2,131.0 | 0.0 | 339,497.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 323,953.0 | 369,328.0 | 207,200.5 | 110,421.7 | 54,409.9 | 36,860.0 | 17,826.9 | 13,679.5 | 1,133,679.5 | | Provisiones por incobrabilidad de cartera de creditos | -537,961.7 | -469,824.5 | -551,836.0 | -213,762.6 | -210,298.6 | -108,338.3 | -28,518.1 | -13,482.3 | -2,134,022.2 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 163,076.9 | 278,557.0 | 76,094.1 | 26,138.8 | 42,826.5 | 8,112.3 | 4,688.4 | 2,489.5 | 601,983.5 | | Bienes de uso, neto | 785,796.5 | 248,186.1 | 572,328.3 | 116,989.8 | 62,338.7 | 257,271.4 | 15,267.5 | 19,199.0 | 2,077,377.2 | | Bienes recibidos en recuperacion de creditos, neto | 20,410.8 | 76,194.9 | 6,970.3 | 8,402.5 | 843.7 | 2,792.6 | 1,711.6 | 0.0 | 117,326.5 | | Invesiones permanentes en acciones | 141,723.3 | 475,878.5 | 54,677.2 | 5,462.5 | 0.0 | 0.0 | 0.0 | 0.0 | 677,741.5 | | Otros activos neto | 97,412.4 | 570,952.9 | 35,902.4 | 111,791.9 | 76,358.8 | 64,817.1 | 34,033.9 | 11,113.9 | 1,002,383.4 | | Pasivo | 44,073,556.9 | 34,961,336.5 | 28,186,547.9 | 12,848,273.4 | 6,213,711.0 | 2,825,122.6 | 749,931.9 | 501,619.0 | 130,360,099.2 | | Obligaciones con el Público | 39,591,178.3 | 28,252,833.9 | 26,035,868.0 | 10,888,912.3 | 5,948,965.6 | 2,601,610.2 | 23,341.6 | 0.0 | 113,342,709.9 | | Moneda Nacional | 11,491,602.8 | 7,023,019.3 | 6,135,510.1 | 2,387,488.6 | 1,269,901.8 | 383,754.8 | 0.0 | 0.0 | 28,691,277.4 | | Depositos a la Vista | 4,939,035.7 | 3,751,656.4 | 3,484,803.9 | 725,350.8 | 407,654.8 | 153,547.6 | 0.0 | 0.0 | 13,462,049.3 | | Depositos de Ahorro | 5,514,547.9 | 2,738,474.3 | 1,819,865.3 | 1,490,243.4 | 215,894.9 | 196,238.2 | 0.0 | 0.0 | 11,975,264.0 | | Depositos a Plazo | 1,038,019.2 | 532,888.5 | 830,840.9 | 171,894.5 | 646,352.0 | 33,969.0 | 0.0 | 0.0 | 3,253,964.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 27,408,321.9 | 19,368,192.3 | 19,127,357.9 | 8,053,113.8 | 4,598,114.5 | 2,163,017.2 | 0.0 | 0.0 | 80,718,117.5 | | Depositos a la Vista | 9,005,609.6 | 5,449,936.9 | 6,333,875.5 | 500,964.5 | 862,839.0 | 194,921.6 | 0.0 | 0.0 | 22,348,147.0 | | Depositos de Ahorro | 12,368,544.1 | 8,732,920.2 | 7,883,178.1 | 4,291,279.5 | 1,739,943.3 | 1,018,829.5 | 0.0 | 0.0 | 36,034,694.6 | | Depositos a Plazo | 6,034,168.1 | 5,185,335.3 | 4,910,304.3 | 3,260,869.8 | 1,995,332.2 | 949,266.2 | 0.0 | 0.0 | 22,335,275.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 584,645.2 | 1,769,463.4 | 650,690.9 | 368,307.5 | 32,693.0 | 29,415.9 | 23,263.5 | 0.0 | 3,458,479.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 106,608.4 | 92,158.9 | 122,309.1 | 80,002.4 | 48,256.4 | 25,422.2 | 78.1 | 0.0 | 474,835.5 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,718,652.7 | 4,632,766.8 | 1,567,534.7 | 1,524,696.1 | 0.0 | 0.0 | 683,999.5 | 453,759.1 | 12,581,408.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 139,983.0 | 120,389.9 | 136,621.5 | 101,222.5 | 0.0 | 0.0 | 0.0 | 0.0 | 498,216.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 746,036.7 | 789,123.0 | 228,757.5 | 353,494.9 | 0.0 | 0.0 | 0.0 | 0.0 | 2,117,412.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 413,115.0 | 413,115.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,832,632.9 | 3,723,253.9 | 1,202,155.8 | 1,069,978.7 | 0.0 | 0.0 | 683,999.5 | 40,644.2 | 9,552,665.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 217,118.0 | 44,828.5 | 0.0 | 113,891.6 | 0.0 | 16,148.9 | 0.0 | 0.0 | 391,986.9 | | 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 | 112,267.4 | 627,303.1 | 142,162.0 | 40,306.8 | 71,942.2 | 24,606.1 | 8,248.9 | 22,506.4 | 1,049,343.0 | | Otros pasivos y provisiones | 362,538.5 | 557,560.9 | 440,983.2 | 143,513.7 | 192,803.2 | 63,490.4 | 34,341.9 | 25,353.5 | 1,820,585.2 | | Obligaciones subordinadas | 71,802.1 | 846,043.3 | 0.0 | 136,952.9 | 0.0 | 119,266.9 | 0.0 | 0.0 | 1,174,065.2 | | 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 | 4,162,283.1 | 3,808,741.8 | 4,133,614.2 | 1,438,296.9 | 914,806.4 | 348,958.1 | 228,940.0 | 179,840.9 | 15,215,481.6 | | 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 | -49.2 | 9,272.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,023.4 | | Reservas patrimoniales | 694,119.6 | 667,224.5 | 775,291.7 | 241,162.0 | 244,392.6 | 35,691.1 | 4,811.8 | 882.9 | 2,663,576.3 | | Resultados acumulados de ejercicios anteriores | 1,345,971.7 | 1,124,792.2 | 304,757.5 | 326,961.3 | 331,316.3 | -457,170.5 | -12,700.0 | 4,465.5 | 2,968,394.0 | | Resultados del Periodo | 319,741.0 | 380,351.9 | 375,665.1 | 110,173.6 | 39,097.5 | -9,443.1 | 13,013.1 | 4,152.5 | 1,232,751.6 | | Cuentas contingentes | 10,088,568.2 | 9,097,067.7 | 7,766,032.3 | 641,679.2 | 4,460,541.1 | 1,831.2 | 0.0 | 0.0 | 32,055,719.8 | | Cuentas de orden | 59,099,656.5 | 29,085,025.4 | 191,349,108.0 | 26,873,608.7 | 8,106,842.5 | 7,967,066.7 | 2,001,313.8 | 867,961.8 | 325,350,583.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2013 C$ 24.6174 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2014 C$ 25.8483 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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