| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 51,448,793.0 | 40,088,359.2 | 32,833,348.0 | 15,341,235.7 | 6,906,728.6 | 3,294,583.0 | 1,088,940.7 | 762,336.8 | 151,764,325.0 | | Disponibilidades | 13,948,214.5 | 8,061,399.1 | 8,547,635.1 | 2,836,555.8 | 1,495,961.7 | 586,626.8 | 103,682.7 | 81,002.7 | 35,661,078.4 | | Moneda Nacional | 3,580,089.6 | 2,386,503.7 | 2,541,707.7 | 924,722.6 | 381,716.5 | 133,870.3 | 90,752.0 | 18,337.9 | 10,057,700.2 | | Caja | 1,074,259.2 | 709,316.5 | 1,547,044.4 | 151,430.0 | 62,053.5 | 76,612.3 | 6,983.9 | 11,897.7 | 3,639,597.6 | | Banco Central de Nicaragua | 999,057.4 | 289,753.8 | 80,524.6 | 171,952.5 | 173,446.6 | 0.0 | 64,740.7 | 0.0 | 1,779,475.7 | | Depositos e Instituciones Financieras del Pais | 4,271.0 | 0.0 | 0.0 | 212,541.5 | 3,592.8 | 840.4 | 19,027.4 | 6,440.2 | 246,713.4 | | Otras disponibilidades | 1,502,502.0 | 1,387,433.4 | 914,138.7 | 388,798.5 | 142,623.6 | 56,417.5 | 0.0 | 0.0 | 4,391,913.5 | | | | | | | | | | | | | Moneda Extranjera | 10,368,124.9 | 5,674,895.4 | 6,005,927.4 | 1,911,833.2 | 1,114,245.2 | 452,756.5 | 12,930.7 | 62,664.8 | 25,603,378.1 | | Caja | 548,779.4 | 335,846.0 | 1,691,955.3 | 151,261.3 | 80,794.3 | 76,211.1 | 3,379.3 | 9,941.6 | 2,898,168.3 | | Banco Central de Nicaragua | 2,183,286.2 | 119,366.1 | 901,123.9 | 28,173.8 | 311,569.4 | 0.0 | 4,608.7 | 0.0 | 3,548,128.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 30,475.0 | 0.0 | 1,447.3 | 4,942.6 | 52,723.2 | 89,588.1 | | Depositos en Instituciones Financieras del exterior | 3,886,180.6 | 405,246.5 | 915,433.8 | 295,516.4 | 161,724.5 | 46,597.3 | 0.0 | 0.0 | 5,710,699.0 | | Otras disponibilidades | 3,749,878.7 | 4,814,436.8 | 2,497,414.4 | 1,406,406.7 | 560,157.0 | 328,500.8 | 0.0 | 0.0 | 13,356,794.5 | | | | | | | | | | | | | Inversiones en valores, neto | 11,538,323.1 | 6,576,827.6 | 16,576.2 | 1,082,059.9 | 773,864.4 | 0.0 | 0.0 | 0.0 | 19,987,651.3 | | 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 | 4,116,234.3 | 3,641,641.5 | 16,576.2 | 129,340.3 | 773,864.4 | 0.0 | 0.0 | 0.0 | 8,677,656.7 | | Inversiones Mantenidas Hasta el Vencimiento | 7,422,088.8 | 2,935,186.1 | 0.0 | 952,719.6 | 0.0 | 0.0 | 0.0 | 0.0 | 11,309,994.5 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 177,170.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 177,170.8 | | | | | | | | | | | | | Cartera de Creditos, neta | 24,524,988.1 | 23,911,177.1 | 23,505,547.1 | 11,126,047.2 | 4,452,696.8 | 2,378,323.0 | 934,124.9 | 646,048.4 | 91,478,952.5 | | Créditos vigentes | 24,202,075.3 | 23,151,478.7 | 23,527,668.1 | 10,954,738.0 | 4,414,964.0 | 2,336,578.4 | 925,235.3 | 635,593.5 | 90,148,331.2 | | Créditos prorrogados | 7,936.0 | 11,764.9 | 5,187.1 | 3,961.2 | 0.0 | 0.0 | 0.0 | 301.4 | 29,150.6 | | Créditos reestructurados | 387,799.4 | 733,196.3 | 58,079.4 | 147,915.8 | 85,474.3 | 79,186.2 | 10,645.3 | 1,229.8 | 1,503,526.5 | | Créditos vencidos | 101,653.8 | 52,912.7 | 162,577.2 | 93,984.9 | 104,085.9 | 24,939.3 | 8,966.6 | 8,348.2 | 557,468.7 | | Créditos en cobro judicial | 72,161.5 | 115,348.6 | 143,830.7 | 60,261.3 | 5,724.4 | 1,830.2 | 1,867.5 | 0.0 | 401,024.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 312,581.9 | 351,382.1 | 208,412.4 | 114,739.6 | 60,206.8 | 41,763.2 | 18,518.4 | 17,951.2 | 1,125,555.6 | | Provisiones por incobrabilidad de cartera de creditos | -559,219.8 | -504,906.1 | -600,207.8 | -249,553.6 | -217,758.6 | -105,974.2 | -31,108.4 | -17,375.6 | -2,286,104.2 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 183,029.7 | 270,364.2 | 77,084.9 | 29,979.6 | 38,688.3 | 9,666.8 | 3,757.3 | 1,969.4 | 614,540.1 | | Bienes de uso, neto | 754,287.4 | 259,733.3 | 567,397.1 | 136,337.2 | 121,820.8 | 251,321.9 | 16,406.2 | 20,467.6 | 2,127,771.6 | | Bienes recibidos en recuperacion de creditos, neto | 25,496.9 | 95,238.6 | 5,527.2 | 10,525.1 | 383.1 | 1,847.8 | 1,403.4 | 0.0 | 140,422.0 | | Invesiones permanentes en acciones | 141,723.3 | 475,880.3 | 55,836.1 | 7,186.1 | 0.0 | 0.0 | 0.0 | 0.0 | 680,625.9 | | Otros activos neto | 155,559.2 | 437,739.1 | 57,744.3 | 112,544.8 | 23,313.5 | 66,796.6 | 29,566.2 | 12,848.7 | 896,112.5 | | Pasivo | 47,210,695.9 | 35,985,316.8 | 28,395,316.1 | 13,904,488.0 | 5,979,308.6 | 2,935,404.2 | 847,410.1 | 579,955.1 | 135,837,894.9 | | Obligaciones con el Público | 42,286,592.1 | 29,041,098.1 | 26,140,055.9 | 11,183,033.6 | 5,716,797.8 | 2,613,699.0 | 77,917.2 | 0.0 | 117,059,193.8 | | Moneda Nacional | 11,702,563.8 | 7,250,721.4 | 5,994,043.4 | 2,160,709.0 | 1,115,815.4 | 399,922.0 | 0.0 | 0.0 | 28,623,775.0 | | Depositos a la Vista | 5,118,976.5 | 3,805,615.3 | 3,332,302.2 | 675,783.9 | 472,064.1 | 172,918.2 | 0.0 | 0.0 | 13,577,660.1 | | Depositos de Ahorro | 5,475,995.5 | 2,655,939.0 | 1,730,672.7 | 1,301,058.2 | 185,863.3 | 184,879.4 | 0.0 | 0.0 | 11,534,408.0 | | Depositos a Plazo | 1,107,591.8 | 789,167.1 | 931,068.6 | 183,867.0 | 457,888.0 | 42,124.4 | 0.0 | 0.0 | 3,511,706.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 29,424,366.1 | 20,010,876.1 | 19,378,628.7 | 8,551,892.1 | 4,526,931.0 | 2,161,671.4 | 0.0 | 0.0 | 84,054,365.4 | | Depositos a la Vista | 11,431,167.6 | 5,985,942.9 | 6,128,474.8 | 608,360.5 | 773,902.7 | 186,847.9 | 0.0 | 0.0 | 25,114,696.5 | | Depositos de Ahorro | 11,240,751.8 | 8,722,145.6 | 7,839,477.5 | 4,527,732.9 | 1,724,614.8 | 987,035.3 | 0.0 | 0.0 | 35,041,758.0 | | Depositos a Plazo | 6,752,446.7 | 5,302,787.6 | 5,410,676.4 | 3,415,798.7 | 2,028,413.4 | 987,788.2 | 0.0 | 0.0 | 23,897,911.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 1,033,789.5 | 1,669,825.7 | 643,623.5 | 373,864.0 | 24,495.8 | 29,670.9 | 77,506.2 | 0.0 | 3,852,775.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 125,872.7 | 109,675.0 | 123,760.3 | 96,568.4 | 49,555.7 | 22,434.7 | 410.9 | 0.0 | 528,277.8 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,940,420.9 | 4,956,382.7 | 1,610,533.6 | 1,880,536.3 | 0.0 | 105,205.5 | 719,886.1 | 521,968.1 | 13,734,933.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 124,696.2 | 188,097.3 | 133,731.2 | 98,129.8 | 0.0 | 0.0 | 0.0 | 0.0 | 544,654.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 832,199.7 | 1,099,069.0 | 218,396.8 | 236,380.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,386,046.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 105,093.2 | 0.0 | 484,441.1 | 589,534.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,983,525.0 | 3,669,216.4 | 1,258,405.6 | 1,546,025.8 | 0.0 | 112.3 | 719,886.1 | 37,527.0 | 10,214,698.2 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 312,787.4 | 53,289.4 | 0.0 | 108,276.6 | 0.0 | 0.0 | 0.0 | 0.0 | 474,353.3 | | 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 | 214,379.8 | 462,753.2 | 154,811.3 | 48,788.7 | 69,144.8 | 19,766.4 | 8,187.5 | 28,935.1 | 1,006,766.8 | | Otros pasivos y provisiones | 397,278.1 | 666,706.6 | 489,915.2 | 162,746.0 | 193,366.0 | 72,300.0 | 41,419.4 | 29,052.0 | 2,052,783.4 | | Obligaciones subordinadas | 59,237.6 | 805,086.8 | 0.0 | 521,106.8 | 0.0 | 124,433.3 | 0.0 | 0.0 | 1,509,864.5 | | 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 | 4,238,097.0 | 4,103,042.4 | 4,438,031.9 | 1,436,747.7 | 927,420.1 | 359,178.8 | 241,530.5 | 182,381.6 | 15,926,430.0 | | 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 | -5.8 | -10,850.6 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -10,056.4 | | 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 | 212,971.7 | 793,286.5 | 304,757.5 | 243,241.3 | 331,316.3 | -457,170.5 | -12,700.0 | 2,711.7 | 1,418,414.5 | | Resultados del Periodo | 628,511.5 | 688,081.4 | 680,082.7 | 192,344.4 | 51,711.2 | 777.5 | 25,603.7 | 8,447.0 | 2,275,559.4 | | Cuentas contingentes | 11,786,877.2 | 9,424,495.7 | 7,865,219.5 | 812,370.8 | 4,638,179.0 | 4,315.7 | 0.0 | 0.0 | 34,531,458.0 | | Cuentas de orden | 64,112,905.8 | 30,267,208.4 | 206,026,632.0 | 29,429,954.9 | 7,314,035.2 | 8,451,902.4 | 2,128,308.0 | 1,012,744.0 | 348,743,690.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2013 C$ 25.0222 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2014 C$ 26.2733 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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