| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 50,014,027.8 | 41,202,199.1 | 33,033,836.4 | 15,452,425.8 | 6,976,220.6 | 3,277,858.5 | 1,048,945.2 | 735,534.3 | 151,741,047.6 | | Disponibilidades | 13,381,270.6 | 9,211,753.1 | 8,650,421.8 | 3,119,447.8 | 1,626,736.1 | 630,485.5 | 75,899.3 | 88,118.2 | 36,784,132.3 | | Moneda Nacional | 3,611,093.1 | 2,509,114.7 | 2,219,357.8 | 1,151,986.2 | 332,156.4 | 138,123.7 | 65,484.4 | 19,748.3 | 10,047,064.6 | | Caja | 937,232.8 | 528,034.6 | 1,057,029.2 | 141,014.2 | 55,909.3 | 65,965.8 | 6,935.2 | 11,172.8 | 2,803,293.9 | | Banco Central de Nicaragua | 1,062,433.9 | 530,202.9 | 121,892.3 | 319,571.6 | 110,103.0 | 10,791.4 | 15,787.8 | 0.0 | 2,170,783.0 | | Depositos e Instituciones Financieras del Pais | 10,160.9 | 0.0 | 0.0 | 224,941.4 | 5,871.2 | 875.3 | 42,761.4 | 8,575.5 | 293,185.7 | | Otras disponibilidades | 1,601,265.4 | 1,450,877.2 | 1,040,436.3 | 466,459.0 | 160,272.8 | 60,491.2 | 0.0 | 0.0 | 4,779,801.9 | | | | | | | | | | | | | Moneda Extranjera | 9,770,177.5 | 6,702,638.4 | 6,431,063.9 | 1,967,461.6 | 1,294,579.7 | 492,361.7 | 10,414.9 | 68,369.9 | 26,737,067.7 | | Caja | 553,457.5 | 297,626.8 | 1,188,658.6 | 158,254.6 | 92,039.7 | 77,544.6 | 2,754.8 | 8,204.1 | 2,378,540.8 | | Banco Central de Nicaragua | 2,224,723.6 | 354,567.1 | 1,317,785.0 | 64,326.2 | 520,989.4 | 2,517.3 | 2,755.9 | 0.0 | 4,487,664.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 30,162.7 | 0.0 | 2,621.5 | 4,904.2 | 60,165.8 | 97,854.3 | | Depositos en Instituciones Financieras del exterior | 3,474,341.8 | 846,272.4 | 1,404,228.9 | 273,592.8 | 100,201.9 | 78,223.6 | 0.0 | 0.0 | 6,176,861.4 | | Otras disponibilidades | 3,517,654.6 | 5,204,172.1 | 2,520,391.4 | 1,441,125.3 | 581,348.6 | 331,454.7 | 0.0 | 0.0 | 13,596,146.8 | | | | | | | | | | | | | Inversiones en valores, neto | 11,369,290.4 | 6,824,132.8 | 16,369.6 | 1,070,971.6 | 768,114.5 | 0.0 | 0.0 | 0.0 | 20,048,878.9 | | 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 | 4,148,407.4 | 4,009,073.4 | 16,369.6 | 128,395.5 | 768,114.5 | 0.0 | 0.0 | 0.0 | 9,070,360.4 | | Inversiones Mantenidas Hasta el Vencimiento | 7,220,883.0 | 2,815,059.4 | 0.0 | 942,576.1 | 0.0 | 0.0 | 0.0 | 0.0 | 10,978,518.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 179,917.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 179,917.0 | | | | | | | | | | | | | Cartera de Creditos, neta | 23,844,464.9 | 23,674,263.6 | 23,611,069.4 | 10,974,404.0 | 4,406,367.6 | 2,317,004.7 | 922,067.9 | 613,074.3 | 90,362,716.4 | | Créditos vigentes | 23,533,782.6 | 22,888,812.7 | 23,607,845.8 | 10,808,923.1 | 4,364,299.9 | 2,271,271.3 | 912,566.7 | 603,664.9 | 88,991,167.1 | | Créditos prorrogados | 4,655.1 | 15,321.5 | 5,166.3 | 1,635.5 | 0.0 | 0.0 | 0.0 | 374.9 | 27,153.4 | | Créditos reestructurados | 395,754.0 | 729,295.2 | 56,048.8 | 134,300.1 | 86,461.9 | 81,440.1 | 9,579.9 | 1,016.6 | 1,493,896.7 | | Créditos vencidos | 100,867.9 | 51,499.7 | 158,010.2 | 99,638.8 | 103,440.7 | 25,662.3 | 8,861.2 | 8,390.9 | 556,371.6 | | Créditos en cobro judicial | 62,278.8 | 113,391.4 | 141,966.6 | 60,490.4 | 5,760.6 | 4,708.0 | 1,907.2 | 0.0 | 390,502.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 295,803.4 | 376,622.9 | 235,775.8 | 114,073.4 | 58,910.8 | 40,065.4 | 19,311.3 | 16,441.9 | 1,157,004.7 | | Provisiones por incobrabilidad de cartera de creditos | -548,676.9 | -500,679.8 | -593,744.0 | -244,657.3 | -212,506.3 | -106,142.4 | -30,158.5 | -16,814.9 | -2,253,380.0 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 162,251.1 | 269,564.2 | 78,987.2 | 30,457.5 | 23,002.4 | 7,151.0 | 4,684.7 | 1,978.3 | 578,076.4 | | Bienes de uso, neto | 750,748.7 | 256,675.4 | 568,778.7 | 126,476.4 | 69,714.4 | 251,521.9 | 16,730.2 | 20,016.7 | 2,060,662.4 | | Bienes recibidos en recuperacion de creditos, neto | 28,825.0 | 90,419.4 | 5,219.5 | 9,111.0 | 383.1 | 2,246.4 | 1,426.3 | 0.0 | 137,630.7 | | Invesiones permanentes en acciones | 141,723.3 | 475,750.3 | 55,782.2 | 7,186.1 | 0.0 | 0.0 | 0.0 | 0.0 | 680,441.9 | | Otros activos neto | 155,536.6 | 399,640.3 | 47,208.0 | 114,371.4 | 81,902.5 | 69,449.0 | 28,136.8 | 12,346.7 | 908,591.5 | | Pasivo | 45,772,180.8 | 37,184,772.5 | 28,676,210.6 | 14,034,425.2 | 6,051,000.0 | 2,923,923.7 | 810,151.5 | 554,093.3 | 136,006,757.6 | | Obligaciones con el Público | 40,963,128.2 | 29,744,738.0 | 26,414,026.8 | 11,422,564.1 | 5,793,462.5 | 2,608,601.1 | 41,972.3 | 0.0 | 116,988,492.9 | | Moneda Nacional | 11,576,677.6 | 7,344,100.9 | 6,425,943.6 | 2,411,623.5 | 1,124,840.2 | 389,281.9 | 0.0 | 0.0 | 29,272,467.6 | | Depositos a la Vista | 5,045,806.1 | 3,832,478.7 | 3,758,728.4 | 752,873.5 | 471,676.2 | 165,248.7 | 0.0 | 0.0 | 14,026,811.5 | | Depositos de Ahorro | 5,365,683.1 | 2,735,054.8 | 1,686,836.8 | 1,493,326.5 | 197,120.6 | 195,660.6 | 0.0 | 0.0 | 11,673,682.4 | | Depositos a Plazo | 1,165,188.4 | 776,567.3 | 980,378.4 | 165,423.6 | 456,043.3 | 28,372.7 | 0.0 | 0.0 | 3,571,973.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 28,356,134.4 | 20,599,770.7 | 19,177,292.6 | 8,551,638.7 | 4,593,049.0 | 2,164,379.6 | 0.0 | 0.0 | 83,442,265.0 | | Depositos a la Vista | 10,226,718.3 | 6,269,542.3 | 6,123,208.8 | 618,243.7 | 869,095.3 | 183,068.1 | 0.0 | 0.0 | 24,289,876.6 | | Depositos de Ahorro | 11,437,453.7 | 8,896,655.8 | 7,937,724.1 | 4,576,462.1 | 1,723,109.5 | 1,004,594.0 | 0.0 | 0.0 | 35,575,999.2 | | Depositos a Plazo | 6,691,962.3 | 5,433,572.6 | 5,116,359.7 | 3,356,932.9 | 2,000,844.2 | 976,717.5 | 0.0 | 0.0 | 23,576,389.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 908,816.2 | 1,698,776.7 | 677,596.1 | 367,610.3 | 31,085.5 | 32,492.6 | 41,869.0 | 0.0 | 3,758,246.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 121,500.1 | 102,089.8 | 133,194.6 | 91,691.6 | 44,487.8 | 22,446.9 | 103.3 | 0.0 | 515,514.0 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,922,680.2 | 5,465,840.7 | 1,618,336.5 | 1,761,237.5 | 0.0 | 104,814.9 | 720,602.3 | 499,751.3 | 14,093,263.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 125,353.5 | 161,433.7 | 133,923.5 | 98,925.9 | 0.0 | 0.0 | 0.0 | 0.0 | 519,636.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 765,030.9 | 1,105,346.8 | 219,157.8 | 262,601.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,352,136.9 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 104,672.4 | 0.0 | 456,884.7 | 561,557.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,032,295.8 | 4,199,060.2 | 1,265,255.2 | 1,399,710.3 | 0.0 | 142.5 | 720,602.3 | 42,866.7 | 10,659,932.9 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 312,879.5 | 52,874.2 | 0.0 | 107,427.7 | 0.0 | 0.0 | 0.0 | 0.0 | 473,181.4 | | 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 | 120,616.7 | 457,474.0 | 159,984.2 | 47,753.0 | 46,515.9 | 18,028.0 | 7,996.6 | 26,568.8 | 884,937.0 | | Otros pasivos y provisiones | 386,794.4 | 643,242.1 | 483,863.0 | 168,524.7 | 211,021.6 | 69,329.8 | 39,580.3 | 27,773.2 | 2,030,129.2 | | Obligaciones subordinadas | 66,081.8 | 820,603.5 | 0.0 | 526,918.2 | 0.0 | 123,150.0 | 0.0 | 0.0 | 1,536,753.5 | | 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 | 4,241,847.0 | 4,017,426.6 | 4,357,625.8 | 1,418,000.6 | 925,220.6 | 353,934.8 | 238,793.7 | 181,440.9 | 15,734,290.0 | | 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 | 0.0 | -16,856.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -16,056.6 | | 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 | 793,286.5 | 304,757.5 | 243,241.3 | 331,316.3 | -457,170.5 | -12,700.0 | 2,711.7 | 1,501,414.5 | | Resultados del Periodo | 549,255.7 | 608,471.6 | 599,676.6 | 173,597.3 | 49,511.7 | -4,466.4 | 22,866.8 | 7,506.3 | 2,006,419.6 | | Cuentas contingentes | 11,626,567.7 | 8,897,339.1 | 7,834,840.1 | 682,305.7 | 4,645,197.3 | 4,298.7 | 0.0 | 0.0 | 33,690,548.6 | | Cuentas de orden | 63,480,820.0 | 30,105,372.0 | 205,352,083.9 | 29,117,175.9 | 7,246,068.0 | 8,369,898.1 | 2,050,871.1 | 959,322.5 | 346,681,611.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2013 C$ 24.9220 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2014 C$ 26.1681 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
