| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 48,789,121.0 | 41,217,087.4 | 33,175,925.6 | 15,143,795.0 | 7,148,290.3 | 3,212,595.0 | 1,017,740.0 | 728,918.1 | 150,433,472.5 | | Disponibilidades | 11,662,909.9 | 9,767,457.8 | 9,162,371.2 | 3,049,806.6 | 1,860,088.5 | 612,358.9 | 70,595.4 | 109,473.8 | 36,295,062.1 | | Moneda Nacional | 3,819,848.5 | 2,759,613.5 | 2,290,150.0 | 893,664.1 | 361,562.9 | 137,660.9 | 52,938.4 | 19,293.9 | 10,334,732.2 | | Caja | 1,151,732.9 | 625,424.0 | 1,093,532.3 | 199,356.6 | 58,636.2 | 75,651.4 | 7,516.8 | 12,981.7 | 3,224,831.9 | | Banco Central de Nicaragua | 958,371.3 | 674,900.0 | 250,506.0 | 128,909.1 | 136,145.0 | 0.0 | 10,787.9 | 0.0 | 2,159,619.3 | | Depositos e Instituciones Financieras del Pais | 12,687.9 | 0.0 | 0.0 | 142,274.9 | 2,096.6 | 1,296.3 | 34,633.7 | 6,312.1 | 199,301.5 | | Otras disponibilidades | 1,697,056.5 | 1,459,289.5 | 946,111.7 | 423,123.5 | 164,685.1 | 60,713.2 | 0.0 | 0.0 | 4,750,979.5 | | | | | | | | | | | | | Moneda Extranjera | 7,843,061.4 | 7,007,844.3 | 6,872,221.2 | 2,156,142.6 | 1,498,525.6 | 474,698.0 | 17,656.9 | 90,179.9 | 25,960,329.9 | | Caja | 642,175.6 | 347,520.0 | 996,000.4 | 129,392.1 | 85,584.0 | 80,830.1 | 3,474.2 | 8,495.3 | 2,293,471.5 | | Banco Central de Nicaragua | 1,223,340.0 | 117,974.0 | 880,362.5 | 88,328.4 | 744,253.5 | 6,255.3 | 2,744.5 | 0.0 | 3,063,258.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 63,905.6 | 0.0 | 2,916.1 | 11,438.3 | 81,684.6 | 159,944.7 | | Depositos en Instituciones Financieras del exterior | 2,577,603.7 | 1,671,795.2 | 2,543,662.7 | 474,844.2 | 96,649.2 | 59,169.1 | 0.0 | 0.0 | 7,423,724.1 | | Otras disponibilidades | 3,399,942.2 | 4,870,555.1 | 2,452,195.6 | 1,399,672.2 | 572,038.9 | 325,527.4 | 0.0 | 0.0 | 13,019,931.3 | | | | | | | | | | | | | Inversiones en valores, neto | 11,833,904.5 | 6,531,139.3 | 16,628.7 | 1,195,907.1 | 763,489.4 | 0.0 | 0.0 | 0.0 | 20,341,069.0 | | 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 | 5,585,718.9 | 3,629,803.9 | 16,628.7 | 231,553.6 | 763,489.4 | 0.0 | 0.0 | 0.0 | 10,227,194.4 | | Inversiones Mantenidas Hasta el Vencimiento | 6,248,185.6 | 2,901,335.4 | 0.0 | 964,353.5 | 0.0 | 0.0 | 0.0 | 0.0 | 10,113,874.6 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 145,991.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 145,991.5 | | | | | | | | | | | | | Cartera de Creditos, neta | 23,877,269.3 | 23,460,256.2 | 23,225,028.1 | 10,621,772.2 | 4,354,877.8 | 2,271,241.7 | 898,261.4 | 586,931.7 | 89,295,638.4 | | Créditos vigentes | 23,372,818.6 | 22,703,399.6 | 23,238,208.5 | 10,466,250.8 | 4,312,205.1 | 2,226,317.2 | 888,582.8 | 578,671.8 | 87,786,454.4 | | Créditos prorrogados | 193,570.2 | 14,680.0 | 2,409.8 | 4,682.5 | 0.0 | 0.0 | 0.0 | 0.0 | 215,342.5 | | Créditos reestructurados | 396,143.1 | 678,657.5 | 62,022.0 | 136,683.9 | 88,675.8 | 77,694.8 | 9,696.2 | 806.3 | 1,450,379.6 | | Créditos vencidos | 115,834.3 | 86,614.3 | 158,023.9 | 82,825.1 | 102,021.3 | 32,754.7 | 8,719.6 | 7,912.5 | 594,705.8 | | Créditos en cobro judicial | 60,002.8 | 81,804.0 | 126,588.6 | 61,326.9 | 5,086.8 | 1,782.4 | 2,128.4 | 0.0 | 338,719.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 283,522.6 | 376,888.7 | 217,503.8 | 105,990.0 | 53,973.8 | 37,957.8 | 18,458.6 | 15,267.5 | 1,109,562.8 | | Provisiones por incobrabilidad de cartera de creditos | -544,622.4 | -481,787.8 | -579,728.4 | -235,987.0 | -207,085.0 | -105,265.3 | -29,324.2 | -15,726.4 | -2,199,526.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 192,948.9 | 287,566.7 | 79,637.6 | 25,955.4 | 22,760.6 | 8,283.8 | 3,078.8 | 1,549.6 | 621,781.3 | | Bienes de uso, neto | 748,539.1 | 253,331.8 | 573,659.6 | 126,511.7 | 69,904.6 | 253,507.8 | 15,541.3 | 19,509.8 | 2,060,505.8 | | Bienes recibidos en recuperacion de creditos, neto | 27,481.1 | 75,599.1 | 5,219.5 | 9,080.1 | 383.1 | 2,544.6 | 1,478.4 | 0.0 | 121,785.9 | | Invesiones permanentes en acciones | 141,723.3 | 475,748.5 | 55,402.4 | 5,498.8 | 0.0 | 0.0 | 0.0 | 0.0 | 678,373.1 | | Otros activos neto | 158,353.4 | 365,987.9 | 57,978.5 | 109,263.2 | 76,786.3 | 64,658.2 | 28,784.7 | 11,453.3 | 873,265.5 | | Pasivo | 44,625,900.6 | 37,274,136.2 | 28,898,404.0 | 13,747,046.3 | 6,229,909.7 | 2,862,427.1 | 782,298.1 | 548,862.2 | 134,968,984.0 | | Obligaciones con el Público | 39,765,467.6 | 29,955,942.5 | 26,725,066.3 | 11,156,720.8 | 5,993,830.6 | 2,627,107.0 | 23,785.8 | 0.0 | 116,247,920.5 | | Moneda Nacional | 11,589,790.7 | 7,733,910.9 | 6,656,512.0 | 2,212,119.5 | 1,297,996.2 | 392,661.2 | 0.0 | 0.0 | 29,882,990.3 | | Depositos a la Vista | 5,189,713.0 | 4,193,223.5 | 3,657,281.6 | 642,735.4 | 510,209.0 | 167,323.8 | 0.0 | 0.0 | 14,360,486.3 | | Depositos de Ahorro | 5,324,687.0 | 2,780,301.0 | 2,087,636.3 | 1,395,111.6 | 192,029.5 | 196,383.5 | 0.0 | 0.0 | 11,976,149.0 | | Depositos a Plazo | 1,075,390.7 | 760,386.3 | 911,594.0 | 174,272.4 | 595,757.7 | 28,953.9 | 0.0 | 0.0 | 3,546,354.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 27,080,533.6 | 20,371,366.5 | 19,102,241.2 | 8,481,694.4 | 4,605,823.6 | 2,177,823.3 | 0.0 | 0.0 | 81,819,482.6 | | Depositos a la Vista | 8,270,260.9 | 5,588,431.1 | 6,055,547.0 | 623,424.9 | 869,285.0 | 188,537.2 | 0.0 | 0.0 | 21,595,486.1 | | Depositos de Ahorro | 12,157,010.2 | 9,416,625.1 | 7,866,655.1 | 4,508,041.4 | 1,739,271.0 | 1,028,900.6 | 0.0 | 0.0 | 36,716,503.3 | | Depositos a Plazo | 6,653,262.4 | 5,366,310.3 | 5,180,039.1 | 3,350,228.1 | 1,997,267.7 | 960,385.5 | 0.0 | 0.0 | 23,507,493.2 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 981,073.4 | 1,752,007.6 | 836,460.9 | 378,074.1 | 39,151.5 | 30,476.0 | 23,453.9 | 0.0 | 4,040,697.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 114,070.0 | 98,657.6 | 129,852.3 | 84,832.8 | 50,859.4 | 26,146.5 | 331.9 | 0.0 | 504,750.4 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,965,444.9 | 5,420,112.3 | 1,578,198.2 | 1,747,610.0 | 0.0 | 26,095.4 | 711,743.4 | 495,172.2 | 13,944,376.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 127,440.5 | 167,492.8 | 136,285.9 | 99,694.7 | 0.0 | 0.0 | 0.0 | 0.0 | 530,914.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 777,980.1 | 1,113,549.7 | 224,440.9 | 267,618.4 | 0.0 | 0.0 | 0.0 | 0.0 | 2,383,589.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 26,059.9 | 0.0 | 455,209.6 | 481,269.5 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,060,024.4 | 4,139,069.7 | 1,217,471.4 | 1,380,296.9 | 0.0 | 35.5 | 711,743.4 | 39,962.7 | 10,548,603.9 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 232,991.6 | 45,416.8 | 0.0 | 113,030.6 | 0.0 | 0.0 | 0.0 | 0.0 | 391,439.1 | | 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 | 214,312.4 | 418,891.8 | 133,601.4 | 52,566.6 | 46,964.3 | 19,862.8 | 8,472.9 | 27,235.5 | 921,907.8 | | Otros pasivos y provisiones | 382,137.2 | 620,315.5 | 461,538.1 | 155,243.0 | 189,114.7 | 67,528.9 | 38,296.0 | 26,454.4 | 1,940,627.9 | | Obligaciones subordinadas | 65,546.7 | 813,457.3 | 0.0 | 521,875.4 | 0.0 | 121,832.9 | 0.0 | 0.0 | 1,522,712.3 | | 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 | 4,163,220.5 | 3,942,951.2 | 4,277,521.7 | 1,396,748.7 | 918,380.6 | 350,167.9 | 235,441.9 | 180,056.0 | 15,464,488.4 | | 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 | 900,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 900,000.8 | | 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 | -0.5 | -3,249.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,450.0 | | 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 | 295,971.7 | 784,225.8 | 304,757.5 | 243,241.3 | 331,316.3 | -457,170.5 | -12,700.0 | 2,711.7 | 1,492,353.8 | | Resultados del Periodo | 470,629.6 | 529,449.8 | 519,572.5 | 152,345.4 | 42,671.7 | -8,233.3 | 19,515.1 | 6,121.3 | 1,732,072.1 | | Cuentas contingentes | 11,429,276.9 | 8,885,772.0 | 7,790,432.6 | 688,585.3 | 4,592,046.5 | 1,884.2 | 0.0 | 0.0 | 33,387,997.6 | | Cuentas de orden | 62,632,733.3 | 29,379,180.1 | 204,882,159.7 | 28,678,158.0 | 7,507,915.0 | 8,316,303.5 | 2,041,609.4 | 913,056.8 | 344,351,115.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2013 C$ 24.8190 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2014 C$ 26.0599 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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