| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 49,193,850.3 | 40,248,170.6 | 32,513,784.8 | 15,043,622.0 | 7,138,664.1 | 3,217,949.2 | 1,013,500.1 | 724,122.0 | 149,093,663.0 | | Disponibilidades | 11,627,319.9 | 9,507,693.8 | 9,008,677.7 | 3,442,718.1 | 1,699,611.3 | 682,236.8 | 85,683.7 | 134,307.7 | 36,188,249.0 | | Moneda Nacional | 4,497,916.6 | 2,596,519.1 | 2,211,058.1 | 983,030.3 | 402,094.4 | 139,953.0 | 44,162.1 | 19,153.5 | 10,893,887.2 | | Caja | 1,051,556.3 | 610,812.5 | 944,512.1 | 147,616.0 | 66,477.3 | 80,735.1 | 6,798.4 | 12,925.6 | 2,921,433.2 | | Banco Central de Nicaragua | 1,820,345.9 | 675,487.2 | 304,494.4 | 252,090.6 | 166,363.2 | 0.0 | 19,788.1 | 0.0 | 3,238,569.4 | | Depositos e Instituciones Financieras del Pais | 38,135.0 | 2.7 | 0.0 | 154,831.6 | 7,174.4 | 505.5 | 17,575.7 | 6,228.0 | 224,452.8 | | Otras disponibilidades | 1,587,879.4 | 1,310,216.6 | 962,051.6 | 428,492.2 | 162,079.6 | 58,712.4 | 0.0 | 0.0 | 4,509,431.8 | | | | | | | | | | | | | Moneda Extranjera | 7,129,403.3 | 6,911,174.8 | 6,797,619.5 | 2,459,687.7 | 1,297,516.9 | 542,283.8 | 41,521.6 | 115,154.2 | 25,294,361.8 | | Caja | 560,127.8 | 346,803.4 | 1,077,210.9 | 159,668.5 | 92,931.0 | 90,512.5 | 2,496.2 | 26,479.4 | 2,356,229.6 | | Banco Central de Nicaragua | 1,641,090.5 | 354,535.7 | 836,340.3 | 143,346.8 | 494,504.3 | 5,213.6 | 27,387.7 | 0.0 | 3,502,418.8 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 56,346.8 | 0.0 | 2,145.4 | 11,637.8 | 88,674.8 | 158,804.8 | | Depositos en Instituciones Financieras del exterior | 1,485,496.3 | 1,121,917.4 | 2,495,850.0 | 699,867.0 | 146,272.1 | 119,718.6 | 0.0 | 0.0 | 6,069,121.4 | | Otras disponibilidades | 3,442,688.6 | 5,087,918.3 | 2,388,218.4 | 1,400,458.7 | 563,809.6 | 324,693.7 | 0.0 | 0.0 | 13,207,787.3 | | | | | | | | | | | | | Inversiones en valores, neto | 12,329,764.0 | 5,597,086.6 | 16,414.9 | 1,131,950.4 | 757,674.5 | 0.0 | 0.0 | 0.0 | 19,832,890.5 | | 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 | 5,272,539.7 | 2,919,174.3 | 16,414.9 | 178,128.1 | 757,674.5 | 0.0 | 0.0 | 0.0 | 9,143,931.5 | | Inversiones Mantenidas Hasta el Vencimiento | 7,057,224.3 | 2,677,912.3 | 0.0 | 953,822.4 | 0.0 | 0.0 | 0.0 | 0.0 | 10,688,959.0 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 155,999.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 155,999.8 | | | | | | | | | | | | | Cartera de Creditos, neta | 23,861,891.3 | 23,475,805.6 | 22,706,451.8 | 10,194,832.8 | 4,520,699.4 | 2,204,109.2 | 876,938.1 | 557,121.4 | 88,397,849.6 | | Créditos vigentes | 23,342,850.3 | 22,839,803.0 | 22,698,403.6 | 10,040,761.0 | 4,479,181.9 | 2,162,711.7 | 868,117.7 | 549,843.8 | 86,981,673.0 | | Créditos prorrogados | 200,825.3 | 19,970.8 | 8,784.7 | 10,511.4 | 0.0 | 0.0 | 0.0 | 0.0 | 240,092.2 | | Créditos reestructurados | 399,121.2 | 543,060.9 | 78,710.3 | 132,214.8 | 91,076.4 | 78,180.9 | 9,339.8 | 644.7 | 1,332,349.0 | | Créditos vencidos | 113,392.3 | 82,382.2 | 150,663.5 | 71,296.4 | 99,536.3 | 32,029.9 | 8,593.3 | 6,929.9 | 564,823.8 | | Créditos en cobro judicial | 58,281.8 | 87,041.3 | 127,307.3 | 58,415.4 | 8,176.0 | 1,359.5 | 2,589.5 | 0.0 | 343,170.7 | | Intereses y Comisiones por Cobrar sobre Creditos | 292,264.0 | 378,072.2 | 207,513.2 | 105,708.7 | 55,236.4 | 35,731.8 | 17,782.4 | 14,375.8 | 1,106,684.5 | | Provisiones por incobrabilidad de cartera de creditos | -544,843.7 | -474,524.8 | -564,930.8 | -224,074.9 | -212,507.5 | -105,904.5 | -29,484.6 | -14,672.9 | -2,170,943.6 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 183,805.8 | 270,890.6 | 80,732.1 | 27,701.1 | 24,272.3 | 9,548.5 | 4,842.6 | 2,896.8 | 604,689.8 | | Bienes de uso, neto | 725,164.8 | 250,172.7 | 578,559.2 | 121,566.6 | 60,740.5 | 255,851.4 | 14,979.0 | 19,208.3 | 2,026,242.5 | | Bienes recibidos en recuperacion de creditos, neto | 21,624.3 | 74,311.1 | 6,479.1 | 8,827.9 | 383.1 | 2,640.9 | 1,623.1 | 0.0 | 115,889.4 | | Invesiones permanentes en acciones | 141,723.3 | 475,748.5 | 55,431.8 | 5,462.5 | 0.0 | 0.0 | 0.0 | 0.0 | 678,366.2 | | Otros activos neto | 146,556.9 | 596,461.5 | 61,038.2 | 110,562.6 | 75,283.0 | 63,562.4 | 29,433.6 | 10,587.9 | 1,093,486.2 | | Pasivo | 44,955,483.8 | 36,377,257.7 | 28,314,189.9 | 13,584,453.6 | 6,223,221.3 | 2,867,808.8 | 781,280.7 | 543,310.7 | 133,647,006.6 | | Obligaciones con el Público | 40,422,579.7 | 29,064,918.1 | 26,117,376.1 | 11,121,511.1 | 5,960,661.8 | 2,593,339.9 | 23,559.3 | 0.0 | 115,303,946.1 | | Moneda Nacional | 12,212,054.7 | 7,280,138.2 | 6,241,820.6 | 2,311,083.1 | 1,329,762.7 | 382,102.1 | 0.0 | 0.0 | 29,756,961.4 | | Depositos a la Vista | 6,155,076.4 | 3,843,048.7 | 3,571,477.9 | 716,625.8 | 479,271.9 | 155,485.7 | 0.0 | 0.0 | 14,920,986.6 | | Depositos de Ahorro | 5,070,602.2 | 2,785,595.3 | 1,815,021.2 | 1,421,888.1 | 200,036.4 | 196,234.7 | 0.0 | 0.0 | 11,489,377.9 | | Depositos a Plazo | 986,376.1 | 651,494.2 | 855,321.4 | 172,569.2 | 650,454.3 | 30,381.7 | 0.0 | 0.0 | 3,346,597.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 27,282,359.6 | 19,910,229.4 | 19,146,627.8 | 8,368,400.3 | 4,545,758.3 | 2,152,109.3 | 0.0 | 0.0 | 81,405,484.8 | | Depositos a la Vista | 8,548,232.9 | 5,115,089.4 | 6,170,149.8 | 507,064.8 | 805,869.9 | 184,532.7 | 0.0 | 0.0 | 21,330,939.5 | | Depositos de Ahorro | 12,206,156.8 | 9,542,955.3 | 7,867,751.6 | 4,527,705.0 | 1,734,077.1 | 1,016,932.5 | 0.0 | 0.0 | 36,895,578.4 | | Depositos a Plazo | 6,527,969.9 | 5,252,184.7 | 5,108,726.3 | 3,333,630.6 | 2,005,811.2 | 950,644.2 | 0.0 | 0.0 | 23,178,966.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 813,997.3 | 1,778,437.8 | 598,338.4 | 358,616.1 | 31,878.2 | 34,203.9 | 23,356.9 | 0.0 | 3,638,828.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 114,168.0 | 96,112.7 | 130,589.4 | 83,411.6 | 53,262.7 | 24,924.6 | 202.4 | 0.0 | 502,671.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,728,606.0 | 5,222,162.8 | 1,603,984.8 | 1,651,176.5 | 0.0 | 64,962.3 | 714,011.6 | 493,365.1 | 13,478,269.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 133,549.2 | 149,001.8 | 136,451.2 | 100,468.4 | 0.0 | 0.0 | 0.0 | 0.0 | 519,470.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 796,900.9 | 917,688.3 | 228,054.1 | 307,580.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,250,223.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 64,880.3 | 0.0 | 453,540.7 | 518,420.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,798,155.9 | 4,155,472.6 | 1,239,479.5 | 1,243,127.9 | 0.0 | 82.0 | 714,011.6 | 39,824.4 | 10,190,154.0 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 233,820.8 | 45,116.9 | 0.0 | 114,394.0 | 0.0 | 0.0 | 0.0 | 0.0 | 393,331.6 | | 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 | 137,330.1 | 646,337.9 | 139,420.5 | 36,117.9 | 70,645.8 | 25,665.1 | 7,641.0 | 23,952.7 | 1,087,110.9 | | Otros pasivos y provisiones | 368,132.4 | 592,368.3 | 453,408.4 | 144,389.9 | 191,913.7 | 63,317.0 | 36,068.8 | 25,993.0 | 1,875,591.7 | | Obligaciones subordinadas | 65,014.8 | 806,353.8 | 0.0 | 516,864.3 | 0.0 | 120,524.4 | 0.0 | 0.0 | 1,508,757.3 | | 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 | 4,238,366.5 | 3,870,912.8 | 4,199,594.9 | 1,459,168.4 | 915,442.8 | 350,140.4 | 232,219.4 | 180,811.3 | 15,446,656.5 | | Capital social pagado | 1,802,500.0 | 1,965,300.0 | 2,677,100.0 | 760,000.0 | 300,000.0 | 779,880.4 | 223,815.0 | 170,340.0 | 8,678,935.4 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Aportes patrimoniales no capitalizables | 198,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 198,000.8 | | 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 | -21.3 | 6,055.5 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,834.1 | | 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 | 1,147,971.7 | 774,045.9 | 304,757.5 | 326,961.3 | 331,316.3 | -457,170.5 | -12,700.0 | 4,465.5 | 2,419,647.7 | | Resultados del Periodo | 395,796.5 | 458,286.4 | 441,645.7 | 131,045.0 | 39,733.9 | -8,260.9 | 16,292.6 | 5,122.9 | 1,479,662.1 | | Cuentas contingentes | 10,314,560.1 | 9,272,115.7 | 7,853,232.5 | 650,387.5 | 4,505,576.6 | 1,898.5 | 0.0 | 0.0 | 32,597,770.9 | | Cuentas de orden | 60,342,813.3 | 29,659,016.7 | 201,930,893.3 | 27,001,930.5 | 8,105,868.4 | 8,198,776.2 | 2,015,561.6 | 880,876.4 | 338,135,736.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2013 C$ 24.7163 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2014 C$ 25.9521 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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