| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | FUNDESER | Sistema Bancario y Financiero | | Activo | 51,037,452.2 | 40,711,495.1 | 34,018,870.8 | 15,988,829.7 | 6,778,417.7 | 3,572,301.9 | 1,102,539.2 | 761,911.0 | 805,272.6 | 154,777,090.2 | | Disponibilidades | 14,352,646.3 | 8,302,677.2 | 9,505,490.3 | 3,314,954.6 | 1,564,221.6 | 797,281.1 | 83,560.4 | 38,058.1 | 71,559.1 | 38,030,448.8 | | Moneda Nacional | 3,821,087.0 | 2,222,328.1 | 2,898,138.4 | 1,128,792.1 | 341,561.5 | 213,353.9 | 70,589.5 | 20,801.8 | 55,324.5 | 10,771,976.7 | | Caja | 1,047,838.5 | 625,512.3 | 1,395,960.0 | 164,305.9 | 57,970.7 | 72,821.0 | 8,429.6 | 13,926.5 | 15,093.3 | 3,401,857.7 | | Banco Central de Nicaragua | 1,036,615.7 | 231,212.4 | 283,201.8 | 368,790.8 | 143,811.0 | 78,626.7 | 40,800.6 | 0.0 | 0.0 | 2,183,058.9 | | Depositos e Instituciones Financieras del Pais | 8,072.9 | 0.0 | 0.0 | 201,561.3 | 2,758.0 | 1,907.8 | 21,359.3 | 6,875.2 | 39,883.8 | 282,418.4 | | Otras disponibilidades | 1,728,559.9 | 1,365,603.4 | 1,218,976.6 | 394,134.1 | 137,021.8 | 59,998.4 | 0.0 | 0.0 | 347.3 | 4,904,641.6 | | | | | | | | | | | | | | Moneda Extranjera | 10,531,559.3 | 6,080,349.2 | 6,607,351.9 | 2,186,162.6 | 1,222,660.1 | 583,927.2 | 12,970.9 | 17,256.3 | 16,234.6 | 27,258,472.1 | | Caja | 619,976.7 | 348,490.9 | 1,915,788.3 | 149,141.5 | 76,351.7 | 78,257.9 | 3,819.2 | 10,048.0 | 3,650.9 | 3,205,525.0 | | Banco Central de Nicaragua | 2,228,917.6 | 119,332.7 | 955,462.9 | 183,729.3 | 335,802.8 | 109,461.1 | 4,984.0 | 0.0 | 0.0 | 3,937,690.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 30,629.5 | 0.0 | 12,950.4 | 4,167.7 | 7,208.3 | 12,583.7 | 67,539.6 | | Depositos en Instituciones Financieras del exterior | 3,972,828.8 | 767,926.0 | 1,109,685.1 | 382,855.8 | 233,738.5 | 58,631.1 | 0.0 | 0.0 | 0.0 | 6,525,665.3 | | Otras disponibilidades | 3,709,836.3 | 4,844,599.5 | 2,626,415.6 | 1,439,806.5 | 576,767.1 | 324,626.7 | 0.0 | 0.0 | 0.0 | 13,522,051.7 | | | | | | | | | | | | | | Inversiones en valores, neto | 10,488,676.6 | 6,745,289.9 | 16,791.2 | 1,093,905.6 | 617,145.9 | 0.0 | 0.0 | 0.0 | 0.0 | 18,961,809.2 | | 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 | 3,419,018.6 | 3,669,032.9 | 16,791.2 | 130,322.2 | 617,145.9 | 0.0 | 0.0 | 0.0 | 0.0 | 7,852,310.7 | | Inversiones Mantenidas Hasta el Vencimiento | 7,069,658.1 | 3,076,257.0 | 0.0 | 963,583.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,109,498.5 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 175,520.1 | 0.0 | 0.0 | 15,835.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 191,355.6 | | | | | | | | | | | | | | Cartera de Creditos, neta | 24,759,720.9 | 24,069,795.7 | 23,713,810.2 | 11,255,339.9 | 4,430,742.8 | 2,445,447.8 | 967,525.4 | 689,405.7 | 634,819.3 | 92,966,607.7 | | Créditos vigentes | 24,395,177.9 | 23,292,020.7 | 23,660,538.6 | 11,078,944.3 | 4,402,483.6 | 2,398,577.5 | 956,969.3 | 677,690.7 | 603,576.0 | 91,465,978.5 | | Créditos prorrogados | 25,620.1 | 16,676.2 | 4,033.1 | 1,385.6 | 0.0 | 0.0 | 0.0 | 293.2 | 0.0 | 48,008.2 | | Créditos reestructurados | 402,321.1 | 745,575.2 | 57,296.6 | 157,957.2 | 81,917.4 | 77,480.2 | 11,529.6 | 1,543.3 | 0.0 | 1,535,620.6 | | Créditos vencidos | 98,185.8 | 49,226.3 | 233,530.3 | 84,988.9 | 107,857.2 | 25,212.4 | 9,442.0 | 8,148.4 | 23.3 | 616,614.6 | | Créditos en cobro judicial | 56,062.9 | 126,171.2 | 143,312.9 | 66,634.5 | 5,149.7 | 527.6 | 1,652.5 | 0.0 | 0.0 | 399,511.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 352,677.4 | 360,838.8 | 226,295.8 | 118,127.9 | 52,462.7 | 44,810.7 | 19,421.9 | 19,555.5 | 37,992.7 | 1,232,183.2 | | Provisiones por incobrabilidad de cartera de creditos | -570,324.3 | -520,712.5 | -611,197.1 | -252,698.5 | -219,127.8 | -101,160.5 | -31,489.8 | -17,825.4 | -6,772.7 | -2,331,308.7 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 178,464.2 | 287,135.4 | 82,259.3 | 30,556.6 | 22,822.2 | 7,474.0 | 3,919.4 | 1,957.4 | 8,641.2 | 623,229.8 | | Bienes de uso, neto | 757,499.4 | 261,799.5 | 577,760.2 | 137,479.8 | 120,737.6 | 250,707.9 | 16,266.5 | 20,607.5 | 24,475.1 | 2,167,333.4 | | Bienes recibidos en recuperacion de creditos, neto | 24,812.3 | 88,926.1 | 5,526.4 | 13,965.1 | 197.1 | 1,734.5 | 1,767.3 | 0.0 | 0.0 | 136,928.8 | | Invesiones permanentes en acciones | 141,723.3 | 475,880.3 | 55,855.4 | 7,186.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 680,645.1 | | Otros activos neto | 158,389.0 | 479,990.9 | 61,377.8 | 119,606.5 | 22,550.5 | 69,656.6 | 29,500.2 | 11,882.4 | 65,777.8 | 1,018,731.7 | | Pasivo | 46,717,690.4 | 36,524,618.6 | 29,495,126.1 | 14,528,195.6 | 5,825,398.4 | 3,205,226.2 | 857,154.6 | 578,594.5 | 662,188.5 | 138,394,192.8 | | Obligaciones con el Público | 42,360,820.7 | 29,475,670.7 | 27,260,573.2 | 11,645,966.4 | 5,581,457.0 | 2,603,392.2 | 78,660.7 | 0.0 | 0.0 | 119,006,540.9 | | Moneda Nacional | 11,357,245.8 | 7,398,025.2 | 6,430,823.4 | 2,372,866.0 | 1,075,187.6 | 399,389.3 | 0.0 | 0.0 | 0.0 | 29,033,537.3 | | Depositos a la Vista | 5,116,684.7 | 3,837,618.3 | 3,808,901.9 | 747,834.0 | 461,975.8 | 173,748.0 | 0.0 | 0.0 | 0.0 | 14,146,762.6 | | Depositos de Ahorro | 5,313,174.8 | 2,803,388.7 | 1,807,163.2 | 1,425,509.4 | 153,402.1 | 183,488.3 | 0.0 | 0.0 | 0.0 | 11,686,126.5 | | Depositos a Plazo | 927,386.3 | 757,018.1 | 814,758.3 | 199,522.7 | 459,809.7 | 42,153.0 | 0.0 | 0.0 | 0.0 | 3,200,648.1 | | 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 | 29,957,380.0 | 20,259,903.4 | 19,932,971.6 | 8,770,893.8 | 4,422,126.7 | 2,131,453.3 | 0.0 | 0.0 | 0.0 | 85,474,728.8 | | Depositos a la Vista | 11,985,722.3 | 6,439,002.5 | 6,154,145.5 | 691,629.4 | 812,083.0 | 190,547.3 | 0.0 | 0.0 | 0.0 | 26,273,129.9 | | Depositos de Ahorro | 11,178,577.3 | 8,477,888.9 | 8,188,307.7 | 4,517,506.0 | 1,590,107.3 | 987,386.8 | 0.0 | 0.0 | 0.0 | 34,939,774.0 | | Depositos a Plazo | 6,793,080.4 | 5,343,012.0 | 5,590,518.4 | 3,561,758.4 | 2,019,936.4 | 953,519.3 | 0.0 | 0.0 | 0.0 | 24,261,824.9 | | 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 | 918,428.1 | 1,701,715.1 | 784,154.5 | 402,360.2 | 29,667.2 | 50,467.7 | 77,828.1 | 0.0 | 0.0 | 3,964,620.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 127,766.8 | 116,027.0 | 112,623.7 | 99,846.4 | 54,475.6 | 22,082.0 | 832.6 | 0.0 | 0.0 | 533,654.0 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,427,450.5 | 5,000,338.6 | 1,580,087.6 | 2,044,365.6 | 0.0 | 380,873.5 | 727,358.3 | 518,446.7 | 635,084.3 | 14,314,005.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 122,791.7 | 186,533.2 | 133,537.1 | 97,341.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 540,203.4 | | Préstamos del Banco Centroaméricano de Integración Económica | 811,913.4 | 1,090,942.2 | 214,686.8 | 343,761.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,461,304.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 65,956.0 | 0.0 | 465,794.6 | 0.0 | 531,750.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,492,745.4 | 3,722,863.2 | 1,231,863.7 | 1,603,262.5 | 0.0 | 314,917.5 | 727,358.3 | 52,652.1 | 635,084.3 | 10,780,747.1 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 316,276.4 | 53,725.2 | 0.0 | 109,240.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 479,241.6 | | 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 | 137,761.6 | 495,756.2 | 143,415.9 | 51,037.7 | 51,708.8 | 23,429.8 | 8,125.9 | 30,018.7 | 15,119.3 | 956,373.9 | | Otros pasivos y provisiones | 415,658.9 | 692,891.8 | 511,049.4 | 159,958.8 | 192,232.7 | 71,762.8 | 43,009.7 | 30,129.1 | 11,984.9 | 2,128,678.1 | | Obligaciones subordinadas | 59,722.3 | 806,236.1 | 0.0 | 517,627.2 | 0.0 | 125,767.8 | 0.0 | 0.0 | 0.0 | 1,509,353.4 | | 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 | 4,319,761.8 | 4,186,876.5 | 4,523,744.6 | 1,460,634.1 | 953,019.3 | 367,075.7 | 245,384.6 | 183,316.6 | 143,084.1 | 16,382,897.3 | | 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 | 100,000.0 | 8,778,935.4 | | 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 | 900,000.0 | 0.6 | 0.0 | 70,000.0 | 0.0 | 0.2 | 0.0 | 0.0 | 41,250.0 | 1,011,250.8 | | 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 | -165.2 | -6,565.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -5,930.3 | | 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 | 212,971.7 | 793,286.5 | 304,757.5 | 173,241.3 | 331,316.3 | -457,170.5 | -12,700.0 | 2,711.7 | 0.0 | 1,348,414.5 | | Resultados del Periodo | 710,335.7 | 767,630.0 | 765,795.5 | 216,230.8 | 77,310.3 | 8,674.5 | 29,457.8 | 9,382.0 | 1,834.1 | 2,586,650.6 | | Cuentas contingentes | 13,806,625.1 | 9,594,570.0 | 8,101,540.3 | 823,542.1 | 4,090,247.5 | 4,333.4 | 0.0 | 0.0 | 0.0 | 36,420,858.5 | | Cuentas de orden | 64,548,256.8 | 30,254,926.8 | 208,302,614.6 | 28,931,367.7 | 5,596,597.3 | 8,580,109.3 | 2,139,322.5 | 1,064,413.3 | 138,310.8 | 349,555,919.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2013 C$ 25.1261 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2014 C$ 26.3824 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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