| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | Sistema Bancario y Financiero | | Activo | 41,558,356.0 | 36,800,486.0 | 29,736,675.7 | 13,465,671.6 | 6,780,934.4 | 3,218,392.1 | 882,216.4 | 609,761.4 | 133,052,493.6 | | Disponibilidades | 10,057,304.4 | 8,185,953.7 | 7,523,878.6 | 2,416,066.2 | 1,804,758.2 | 712,706.5 | 54,808.2 | 101,090.1 | 30,856,565.9 | | Moneda Nacional | 3,342,928.4 | 1,668,952.5 | 2,814,828.2 | 532,640.5 | 419,742.5 | 154,872.8 | 48,413.9 | 27,091.7 | 9,009,470.5 | | Caja | 877,427.5 | 586,968.4 | 1,116,008.3 | 177,063.1 | 48,796.1 | 70,213.2 | 2,711.2 | 8,201.2 | 2,887,389.0 | | Banco Central de Nicaragua | 1,238,556.3 | 89,499.5 | 963,493.6 | 47,577.4 | 236,845.1 | 26,922.4 | 26,006.9 | 0.0 | 2,628,901.1 | | Depositos e Instituciones Financieras del Pais | 3,787.9 | 0.0 | 0.0 | 984.5 | 6,831.6 | 890.6 | 19,695.8 | 18,890.5 | 51,080.9 | | Otras disponibilidades | 1,223,156.7 | 992,484.6 | 735,326.3 | 307,015.5 | 127,269.7 | 56,846.6 | 0.0 | 0.0 | 3,442,099.4 | | | | | | | | | | | | | Moneda Extranjera | 6,714,376.0 | 6,517,001.2 | 4,709,050.4 | 1,883,425.6 | 1,385,015.7 | 557,833.7 | 6,394.3 | 73,998.4 | 21,847,095.4 | | Caja | 456,100.1 | 333,886.2 | 687,160.9 | 153,334.2 | 81,247.4 | 102,650.6 | 1,356.2 | 5,007.2 | 1,820,742.8 | | Banco Central de Nicaragua | 829,837.8 | 637,679.3 | 521,105.2 | 51,308.4 | 626,031.0 | 78,933.3 | 8.0 | 0.0 | 2,744,903.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 17,995.4 | 0.0 | 2,998.1 | 5,030.2 | 68,991.2 | 95,014.8 | | Depositos en Instituciones Financieras del exterior | 2,755,098.9 | 437,602.8 | 1,378,459.3 | 488,852.7 | 159,391.9 | 53,477.6 | 0.0 | 0.0 | 5,272,883.3 | | Otras disponibilidades | 2,673,339.1 | 5,107,832.9 | 2,122,325.0 | 1,171,935.0 | 518,345.4 | 319,774.2 | 0.0 | 0.0 | 11,913,551.5 | | | | | | | | | | | | | Inversiones en valores, neto | 7,037,789.7 | 5,573,143.1 | 20,329.2 | 1,233,019.8 | 376,004.5 | 0.0 | 0.0 | 0.0 | 14,240,286.3 | | 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 | 613,645.3 | 2,686,616.1 | 20,329.2 | 0.0 | 376,004.5 | 0.0 | 0.0 | 0.0 | 3,696,595.1 | | Inversiones Mantenidas Hasta el Vencimiento | 6,424,144.4 | 2,886,526.9 | 0.0 | 1,233,019.8 | 0.0 | 0.0 | 0.0 | 0.0 | 10,543,691.2 | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 975,612.2 | 665,637.0 | 0.0 | 0.0 | 125,912.7 | 0.0 | 0.0 | 0.0 | 1,767,161.8 | | | | | | | | | | | | | Cartera de Creditos, neta | 22,407,143.8 | 21,046,811.5 | 21,527,099.0 | 9,585,075.2 | 4,349,769.1 | 2,177,526.7 | 777,745.1 | 486,912.5 | 82,358,083.0 | | Créditos vigentes | 21,878,326.8 | 20,493,087.2 | 21,515,524.1 | 9,432,591.6 | 4,291,292.7 | 2,104,385.0 | 766,411.6 | 479,471.8 | 80,961,090.7 | | Créditos prorrogados | 156,763.9 | 43,526.9 | 1,586.9 | 1,755.5 | 0.0 | 0.0 | 0.0 | 60.7 | 203,694.0 | | Créditos reestructurados | 345,140.0 | 487,037.7 | 64,685.5 | 150,767.2 | 98,153.7 | 92,134.7 | 9,448.5 | 319.9 | 1,247,687.3 | | Créditos vencidos | 99,580.3 | 63,665.4 | 130,851.2 | 53,611.2 | 85,404.1 | 24,944.3 | 9,792.4 | 3,903.5 | 471,752.5 | | Créditos en cobro judicial | 57,366.4 | 59,709.6 | 105,290.9 | 58,671.1 | 9,027.5 | 3,560.6 | 1,669.1 | 0.0 | 295,295.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 344,001.4 | 309,603.3 | 216,922.8 | 97,611.3 | 53,087.3 | 50,974.9 | 16,717.9 | 13,355.0 | 1,102,273.8 | | Provisiones por incobrabilidad de cartera de creditos | -474,034.9 | -409,818.7 | -507,762.5 | -209,932.6 | -187,196.2 | -98,472.8 | -26,294.4 | -10,198.3 | -1,923,710.5 | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 123,371.3 | 223,369.8 | 71,541.0 | 25,835.4 | 17,872.5 | 7,421.5 | 2,619.7 | 2,418.0 | 474,449.2 | | Bienes de uso, neto | 761,184.6 | 250,381.2 | 498,807.2 | 111,051.1 | 64,769.0 | 262,434.5 | 15,297.4 | 10,480.3 | 1,974,405.4 | | Bienes recibidos en recuperacion de creditos, neto | 19,547.6 | 109,392.6 | 9,813.6 | 5,732.0 | 851.1 | 4,578.3 | 3,742.4 | 0.0 | 153,657.7 | | Invesiones permanentes en acciones | 78,410.3 | 372,285.2 | 52,785.4 | 4,890.8 | 0.0 | 0.0 | 0.0 | 0.0 | 508,371.8 | | Otros activos neto | 97,992.1 | 373,511.9 | 32,421.7 | 84,001.0 | 40,997.2 | 53,724.5 | 28,003.6 | 8,860.5 | 719,512.5 | | Pasivo | 37,715,764.7 | 33,472,504.8 | 25,978,726.5 | 12,137,948.5 | 5,835,481.8 | 2,858,921.3 | 665,231.5 | 434,072.9 | 119,098,652.0 | | Obligaciones con el Público | 33,217,294.1 | 27,276,340.9 | 23,944,203.3 | 9,642,890.5 | 5,570,995.5 | 2,593,737.6 | 0.0 | 0.0 | 102,245,461.8 | | Moneda Nacional | 10,063,968.4 | 6,089,950.1 | 6,322,683.5 | 1,866,667.6 | 1,148,253.0 | 361,573.9 | 0.0 | 0.0 | 25,853,096.5 | | Depositos a la Vista | 4,022,692.1 | 3,167,092.0 | 3,914,803.0 | 596,593.4 | 417,245.7 | 129,434.3 | 0.0 | 0.0 | 12,247,860.5 | | Depositos de Ahorro | 5,191,011.2 | 2,471,978.7 | 1,619,071.6 | 1,152,541.5 | 189,406.5 | 198,870.8 | 0.0 | 0.0 | 10,822,880.3 | | Depositos a Plazo | 850,265.1 | 450,879.4 | 788,808.9 | 117,532.7 | 541,600.8 | 33,268.7 | 0.0 | 0.0 | 2,782,355.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Moneda Extranjera | 22,643,817.8 | 19,000,927.3 | 16,963,704.3 | 7,596,346.1 | 4,352,986.7 | 2,180,919.7 | 0.0 | 0.0 | 72,738,701.9 | | Depositos a la Vista | 6,637,700.8 | 6,989,834.1 | 5,162,904.7 | 509,086.2 | 809,054.4 | 176,087.8 | 0.0 | 0.0 | 20,284,668.0 | | Depositos de Ahorro | 10,302,837.2 | 7,680,787.8 | 7,166,245.5 | 3,916,644.3 | 1,812,283.9 | 984,280.2 | 0.0 | 0.0 | 31,863,078.8 | | Depositos a Plazo | 5,703,279.8 | 4,330,305.3 | 4,634,554.1 | 3,170,615.6 | 1,731,648.4 | 1,020,551.7 | 0.0 | 0.0 | 20,590,955.0 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | Otras obligaciones | 403,516.7 | 2,101,688.1 | 564,008.3 | 101,095.1 | 29,320.3 | 24,786.8 | 0.0 | 0.0 | 3,224,415.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 105,991.3 | 83,775.5 | 93,807.2 | 78,781.7 | 40,435.5 | 26,457.2 | 0.0 | 0.0 | 429,248.2 | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,806,044.8 | 3,808,450.9 | 1,489,925.4 | 1,762,290.5 | 0.0 | 25,403.2 | 627,833.5 | 400,554.7 | 11,920,503.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 147,925.6 | 98,856.0 | 143,459.0 | 104,985.1 | 0.0 | 0.0 | 0.0 | 0.0 | 495,225.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 689,923.5 | 462,031.9 | 325,830.3 | 276,429.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,754,214.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,331.8 | 0.0 | 368,524.7 | 393,856.5 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,968,195.7 | 3,247,563.0 | 1,020,636.2 | 1,380,876.3 | 0.0 | 71.4 | 627,833.5 | 32,030.1 | 9,277,206.2 | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 160,221.2 | 78,604.5 | 0.0 | 168,254.9 | 0.0 | 32,633.6 | 0.0 | 0.0 | 439,714.2 | | Operaciones con Reportos y Valores Derivados | 0.0 | 456,112.9 | 0.0 | 266,944.9 | 39,661.9 | 0.0 | 0.0 | 0.0 | 762,719.8 | | Otras cuentas por pagar | 111,278.8 | 655,477.3 | 166,072.4 | 40,115.9 | 44,433.8 | 25,163.2 | 5,636.9 | 11,476.0 | 1,059,654.3 | | Otros pasivos y provisiones | 344,762.4 | 349,060.7 | 378,525.4 | 115,446.2 | 180,390.5 | 63,715.2 | 31,761.1 | 22,042.1 | 1,485,703.7 | | Obligaciones subordinadas | 76,163.3 | 848,457.6 | 0.0 | 142,005.6 | 0.0 | 118,268.5 | 0.0 | 0.0 | 1,184,895.1 | | 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 | 3,842,591.3 | 3,327,981.2 | 3,757,949.2 | 1,327,723.1 | 945,452.6 | 359,470.8 | 216,984.9 | 175,688.5 | 13,953,841.6 | | Capital social pagado | 1,802,500.0 | 1,627,100.0 | 2,154,784.8 | 760,000.0 | 270,000.0 | 779,880.4 | 223,815.0 | 170,340.0 | 7,788,420.2 | | Capital donado | 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 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.8 | | 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 | -5,129.9 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -4,329.9 | | Reservas patrimoniales | 694,119.6 | 547,844.0 | 640,621.7 | 199,302.0 | 218,505.2 | 33,891.0 | 0.0 | 882.9 | 2,335,166.5 | | Resultados acumulados de ejercicios anteriores | 583,483.5 | 478,858.2 | 63,942.8 | 89,754.6 | 284,364.5 | -467,371.0 | -39,967.1 | 957.9 | 994,023.4 | | Resultados del Periodo | 762,488.1 | 679,308.3 | 897,799.9 | 278,666.5 | 172,582.9 | 13,070.1 | 33,137.0 | 3,507.7 | 2,840,560.5 | | Cuentas contingentes | 9,201,127.3 | 9,712,401.7 | 7,069,775.5 | 592,446.7 | 4,328,508.5 | 8,576.9 | 0.0 | 0.0 | 30,912,836.6 | | Cuentas de orden | 49,872,910.7 | 28,316,367.3 | 103,899,565.1 | 25,075,297.1 | 7,978,300.5 | 7,872,300.0 | 1,879,366.6 | 787,433.5 | 225,681,540.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2012 C$ 24.1255 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2013 C$ 25.3318 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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