| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | FUNDESER | Sistema Bancario y Financiero | | Activo | 52,375,991.8 | 41,059,718.6 | 34,331,747.1 | 16,027,653.8 | 6,616,953.9 | 3,504,006.7 | 1,118,433.7 | 840,496.5 | 797,519.0 | 156,672,521.2 | | Disponibilidades | 15,368,601.1 | 7,889,459.8 | 9,004,922.1 | 3,094,232.6 | 1,262,252.5 | 666,523.4 | 51,558.8 | 70,438.9 | 39,419.2 | 37,447,408.4 | | Moneda Nacional | 4,050,154.3 | 2,184,960.3 | 2,632,738.1 | 1,023,316.7 | 341,655.4 | 193,574.8 | 37,065.9 | 19,658.2 | 25,643.6 | 10,508,767.5 | | Caja | 937,197.1 | 642,876.9 | 1,369,946.8 | 168,270.4 | 99,098.3 | 74,067.3 | 7,215.4 | 10,366.7 | 9,955.5 | 3,318,994.3 | | Banco Central de Nicaragua | 1,396,461.5 | 0.0 | 185,878.2 | 238,617.4 | 94,088.0 | 56,204.6 | 5,800.5 | 0.0 | 0.0 | 1,977,050.0 | | Depositos e Instituciones Financieras del Pais | 11,336.2 | 0.0 | 0.0 | 185,935.6 | 3,760.6 | 1,979.0 | 24,050.1 | 9,291.6 | 15,381.0 | 251,733.9 | | Otras disponibilidades | 1,705,159.6 | 1,542,083.4 | 1,076,913.1 | 430,493.5 | 144,708.6 | 61,324.0 | 0.0 | 0.0 | 307.2 | 4,960,989.3 | | | | | | | | | | | | | | Moneda Extranjera | 11,318,446.8 | 5,704,499.4 | 6,372,184.0 | 2,070,915.9 | 920,597.0 | 472,948.6 | 14,492.9 | 50,780.7 | 13,775.6 | 26,938,640.9 | | Caja | 672,674.9 | 351,572.6 | 2,078,362.1 | 136,759.7 | 80,669.0 | 77,923.2 | 3,448.4 | 11,212.4 | 3,828.5 | 3,416,450.7 | | Banco Central de Nicaragua | 1,857,229.9 | 112,037.8 | 922,853.6 | 28,827.9 | 99,808.0 | 13,420.2 | 6,063.6 | 0.0 | 0.0 | 3,040,241.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 110,224.8 | 0.0 | 4,296.8 | 4,980.9 | 39,568.4 | 9,947.1 | 169,018.0 | | Depositos en Instituciones Financieras del exterior | 4,803,898.3 | 848,373.7 | 796,521.3 | 352,633.3 | 204,540.4 | 52,875.6 | 0.0 | 0.0 | 0.0 | 7,058,842.5 | | Otras disponibilidades | 3,984,643.6 | 4,392,515.3 | 2,574,447.0 | 1,442,470.1 | 535,579.7 | 324,432.8 | 0.0 | 0.0 | 0.0 | 13,254,088.6 | | | | | | | | | | | | | | Inversiones en valores, neto | 9,215,872.4 | 6,472,212.3 | 17,000.6 | 1,105,496.2 | 622,111.2 | 0.0 | 0.0 | 0.0 | 0.0 | 17,432,692.7 | | 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 | 0.0 | | Inversiones Disponibles para la Venta | 2,375,099.2 | 3,373,289.1 | 17,000.6 | 131,278.0 | 622,111.2 | 0.0 | 0.0 | 0.0 | 0.0 | 6,518,778.0 | | Inversiones Mantenidas Hasta el Vencimiento | 6,840,773.2 | 3,098,923.2 | 0.0 | 974,218.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,913,914.6 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 182,963.3 | 0.0 | 0.0 | 15,944.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 198,908.2 | | | | | | | | | | | | | | Cartera de Creditos, neta | 26,103,277.7 | 25,073,664.8 | 24,512,744.6 | 11,494,085.0 | 4,542,244.6 | 2,515,439.6 | 1,013,154.2 | 734,053.3 | 669,143.1 | 96,657,807.0 | | Créditos vigentes | 25,695,297.6 | 24,261,902.3 | 24,500,416.9 | 11,314,247.2 | 4,509,723.4 | 2,470,760.8 | 1,003,421.9 | 720,318.2 | 633,504.5 | 95,109,592.7 | | Créditos prorrogados | 35,117.7 | 13,012.8 | 1,269.1 | 410.8 | 0.0 | 0.0 | 0.0 | 352.0 | 0.0 | 50,162.4 | | Créditos reestructurados | 405,809.2 | 734,599.3 | 50,129.2 | 161,634.1 | 80,193.8 | 74,643.3 | 11,281.4 | 1,880.2 | 0.0 | 1,520,170.5 | | Créditos vencidos | 99,889.6 | 58,711.0 | 212,654.5 | 89,150.7 | 112,939.0 | 25,919.4 | 9,710.1 | 8,359.6 | 83.1 | 617,417.0 | | Créditos en cobro judicial | 51,270.6 | 126,270.5 | 142,894.7 | 65,648.0 | 5,170.4 | 740.6 | 1,836.5 | 0.0 | 0.0 | 393,831.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 391,535.3 | 384,997.6 | 250,795.5 | 123,360.9 | 58,066.7 | 47,095.7 | 20,067.0 | 21,726.8 | 43,092.1 | 1,340,737.5 | | Provisiones por incobrabilidad de cartera de creditos | -575,642.3 | -505,828.6 | -645,415.4 | -260,366.5 | -223,848.6 | -103,720.1 | -33,162.7 | -18,583.5 | -7,536.6 | -2,374,104.3 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 391,096.4 | 291,427.1 | 86,299.3 | 28,005.2 | 38,098.6 | 8,715.1 | 5,343.0 | 1,388.6 | 5,638.2 | 856,011.4 | | Bienes de uso, neto | 757,115.9 | 263,209.5 | 590,384.0 | 141,123.3 | 119,924.4 | 248,830.0 | 17,094.9 | 20,527.6 | 21,504.1 | 2,179,713.7 | | Bienes recibidos en recuperacion de creditos, neto | 21,945.5 | 93,016.2 | 5,627.2 | 12,389.0 | 197.1 | 1,361.6 | 1,749.9 | 0.0 | 0.0 | 136,286.5 | | Invesiones permanentes en acciones | 141,723.3 | 475,880.3 | 55,887.8 | 7,186.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 680,677.6 | | Otros activos neto | 193,396.1 | 500,848.5 | 58,881.7 | 129,191.7 | 32,125.5 | 63,136.8 | 29,532.9 | 14,088.1 | 61,814.4 | 1,083,015.7 | | Pasivo | 47,971,246.9 | 36,788,715.9 | 29,740,125.7 | 14,548,475.3 | 5,665,288.8 | 3,133,316.7 | 870,186.4 | 655,946.2 | 662,311.1 | 140,035,613.0 | | Obligaciones con el Público | 43,735,648.1 | 29,181,466.2 | 27,328,416.8 | 11,638,034.0 | 5,417,392.5 | 2,530,981.5 | 78,695.8 | 0.0 | 0.0 | 119,910,634.8 | | Moneda Nacional | 11,915,640.2 | 7,580,737.5 | 6,071,760.7 | 2,363,594.8 | 1,018,976.7 | 384,717.5 | 0.0 | 0.0 | 0.0 | 29,335,427.4 | | Depositos a la Vista | 5,334,995.2 | 4,230,251.5 | 3,616,949.5 | 649,853.9 | 407,108.3 | 176,588.4 | 0.0 | 0.0 | 0.0 | 14,415,746.8 | | Depositos de Ahorro | 5,845,448.8 | 2,792,850.7 | 1,772,306.5 | 1,538,244.9 | 150,096.0 | 178,490.9 | 0.0 | 0.0 | 0.0 | 12,277,437.8 | | Depositos a Plazo | 735,196.1 | 557,635.4 | 682,504.7 | 175,496.0 | 461,772.4 | 29,638.2 | 0.0 | 0.0 | 0.0 | 2,642,242.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Moneda Extranjera | 30,531,016.2 | 19,909,922.5 | 20,371,705.2 | 8,770,145.0 | 4,304,378.7 | 2,086,176.0 | 0.0 | 0.0 | 0.0 | 85,973,343.5 | | Depositos a la Vista | 12,336,814.4 | 6,064,539.7 | 6,444,333.2 | 571,469.1 | 697,670.9 | 177,520.3 | 0.0 | 0.0 | 0.0 | 26,292,347.6 | | Depositos de Ahorro | 11,272,792.3 | 8,496,823.7 | 8,297,814.3 | 4,621,633.7 | 1,579,695.3 | 958,497.3 | 0.0 | 0.0 | 0.0 | 35,227,256.5 | | Depositos a Plazo | 6,921,409.5 | 5,348,559.2 | 5,629,557.6 | 3,577,042.2 | 2,027,012.5 | 950,158.5 | 0.0 | 0.0 | 0.0 | 24,453,739.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Otras obligaciones | 1,156,590.5 | 1,579,502.2 | 765,852.0 | 403,641.3 | 34,579.4 | 37,789.0 | 78,140.8 | 0.0 | 0.0 | 4,056,095.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 132,401.2 | 111,303.9 | 119,099.0 | 100,652.9 | 59,457.8 | 22,299.0 | 555.0 | 0.0 | 0.0 | 545,768.7 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,262,296.9 | 5,497,002.8 | 1,669,481.6 | 2,049,369.5 | 0.0 | 383,847.2 | 738,523.9 | 591,739.1 | 638,289.6 | 14,830,550.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 121,986.1 | 183,322.0 | 131,345.9 | 96,593.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 533,247.2 | | Préstamos del Banco Centroaméricano de Integración Económica | 810,474.8 | 1,087,132.4 | 209,258.4 | 416,215.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,523,081.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 66,221.0 | 0.0 | 536,118.3 | 0.0 | 602,339.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,329,835.9 | 4,226,548.3 | 1,328,877.4 | 1,536,560.6 | 0.0 | 317,626.2 | 738,523.9 | 55,620.8 | 638,289.6 | 11,171,882.7 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 317,955.7 | 54,146.9 | 0.0 | 110,176.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 482,279.3 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Otras cuentas por pagar | 172,286.1 | 543,377.1 | 217,208.0 | 50,479.3 | 39,137.9 | 18,268.9 | 7,753.0 | 29,733.8 | 19,632.1 | 1,097,876.3 | | Otros pasivos y provisiones | 422,866.0 | 710,533.7 | 525,019.2 | 177,898.3 | 208,758.3 | 75,294.0 | 45,213.7 | 34,473.3 | 4,389.5 | 2,204,445.9 | | Obligaciones subordinadas | 60,194.2 | 802,189.2 | 0.0 | 522,517.6 | 0.0 | 124,925.2 | 0.0 | 0.0 | 0.0 | 1,509,826.1 | | Impuestos diferidos | 0.0 | 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 | 0.0 | | Patrimonio | 4,404,744.9 | 4,271,002.7 | 4,591,621.4 | 1,479,178.5 | 951,665.2 | 370,689.9 | 248,247.3 | 184,550.3 | 135,207.9 | 16,636,908.2 | | Capital social pagado | 2,702,500.0 | 1,965,300.0 | 2,790,361.1 | 760,000.0 | 300,000.0 | 779,880.4 | 223,815.0 | 170,340.0 | 100,000.0 | 9,792,196.5 | | Capital donado | 0.0 | 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 | 70,000.0 | 0.0 | 0.2 | 0.0 | 0.0 | 41,250.0 | 111,250.8 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | -0.7 | -2,361.5 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1,562.2 | | 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 | 0.0 | 2,663,576.3 | | Resultados acumulados de ejercicios anteriores | 211,694.4 | 793,286.5 | 191,496.4 | 173,241.3 | 331,316.3 | -457,170.5 | -12,700.0 | 2,711.7 | 0.0 | 1,233,876.1 | | Resultados del Periodo | 796,431.6 | 847,552.6 | 833,672.3 | 234,775.2 | 75,956.3 | 12,288.7 | 32,320.4 | 10,615.6 | -6,042.1 | 2,837,570.6 | | Cuentas contingentes | 13,503,323.9 | 9,571,537.0 | 8,067,136.5 | 828,399.5 | 4,122,265.2 | 4,375.1 | 0.0 | 0.0 | 0.0 | 36,097,037.2 | | Cuentas de orden | 66,663,712.5 | 30,355,456.7 | 211,819,272.8 | 29,426,076.2 | 5,785,278.0 | 8,733,755.5 | 2,155,768.4 | 1,145,130.5 | 245,717.8 | 356,330,168.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2013 C$ 25.2270 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2014 C$ 26.4884 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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