| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | FUNDESER | Sistema Bancario y Financiero | | Activo | 52,310,470.8 | 40,569,376.3 | 36,720,175.4 | 16,375,139.1 | 6,570,542.9 | 3,464,436.1 | 1,152,604.5 | 837,595.5 | 882,844.2 | 158,883,185.0 | | Disponibilidades | 16,147,066.9 | 6,816,250.6 | 10,878,972.8 | 3,209,907.5 | 1,293,446.4 | 597,267.7 | 67,993.4 | 50,477.7 | 77,434.5 | 39,138,817.4 | | Moneda Nacional | 4,234,807.4 | 1,751,163.9 | 3,029,589.8 | 652,288.1 | 369,254.4 | 131,904.2 | 47,986.3 | 26,454.2 | 20,987.2 | 10,264,435.6 | | Caja | 1,065,626.6 | 658,229.1 | 1,480,806.4 | 144,031.6 | 106,459.9 | 74,770.1 | 3,976.6 | 13,289.3 | 10,344.8 | 3,557,534.3 | | Banco Central de Nicaragua | 1,738,897.8 | 0.0 | 751,106.9 | 154,745.6 | 141,748.5 | 3,943.2 | 22,800.5 | 0.0 | 0.0 | 2,813,242.4 | | Depositos e Instituciones Financieras del Pais | 1,851.9 | 0.0 | 0.0 | 22,425.9 | 902.5 | 1,487.9 | 21,209.2 | 13,164.9 | 10,584.1 | 71,626.4 | | Otras disponibilidades | 1,428,431.1 | 1,092,934.8 | 797,676.6 | 331,085.1 | 120,143.7 | 51,703.0 | 0.0 | 0.0 | 58.3 | 3,822,032.4 | | | | | | | | | | | | | | Moneda Extranjera | 11,912,259.5 | 5,065,086.7 | 7,849,382.9 | 2,557,619.3 | 924,192.0 | 465,363.4 | 20,007.1 | 24,023.4 | 56,447.4 | 28,874,381.8 | | Caja | 645,629.7 | 367,433.5 | 1,934,238.7 | 155,306.8 | 138,564.4 | 99,439.4 | 2,207.6 | 9,504.5 | 2,671.4 | 3,354,996.1 | | Banco Central de Nicaragua | 4,129,943.9 | 108,697.2 | 1,297,589.3 | 125,198.1 | 162,474.3 | 11,229.4 | 10,697.5 | 0.0 | 0.0 | 5,845,829.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 166,161.6 | 0.0 | 921.8 | 7,102.0 | 14,518.9 | 53,775.9 | 242,480.3 | | Depositos en Instituciones Financieras del exterior | 3,332,829.5 | 581,145.1 | 2,064,342.0 | 711,400.8 | 94,426.6 | 33,803.6 | 0.0 | 0.0 | 0.0 | 6,817,947.6 | | Otras disponibilidades | 3,803,856.4 | 4,007,810.8 | 2,553,212.9 | 1,399,552.1 | 528,726.8 | 319,969.2 | 0.0 | 0.0 | 0.0 | 12,613,128.2 | | | | | | | | | | | | | | Inversiones en valores, neto | 8,457,459.6 | 6,207,482.2 | 17,218.5 | 1,118,717.4 | 626,873.9 | 0.0 | 0.0 | 0.0 | 39,903.0 | 16,467,654.7 | | 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 | 1,854,892.4 | 3,262,335.3 | 17,218.5 | 132,271.6 | 626,873.9 | 0.0 | 0.0 | 0.0 | 0.0 | 5,893,591.8 | | Inversiones Mantenidas Hasta el Vencimiento | 6,602,567.2 | 2,945,146.8 | 0.0 | 986,445.8 | 0.0 | 0.0 | 0.0 | 0.0 | 39,903.0 | 10,574,062.9 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 179,790.8 | 0.0 | 0.0 | 140,011.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 319,802.7 | | | | | | | | | | | | | | Cartera de Creditos, neta | 26,329,012.8 | 25,896,603.1 | 25,030,594.6 | 11,585,275.1 | 4,478,622.3 | 2,542,437.2 | 1,017,688.4 | 755,459.4 | 678,577.2 | 98,314,270.2 | | Créditos vigentes | 25,904,811.9 | 25,113,676.7 | 24,936,039.3 | 11,423,353.9 | 4,443,806.7 | 2,492,426.2 | 1,006,744.0 | 739,636.8 | 640,472.0 | 96,700,967.5 | | Créditos prorrogados | 37,710.6 | 10,581.5 | 102,108.2 | 412.5 | 0.0 | 0.0 | 0.0 | 301.5 | 0.0 | 151,114.2 | | Créditos reestructurados | 405,222.3 | 733,552.9 | 47,750.6 | 143,289.2 | 76,203.1 | 75,033.7 | 11,278.2 | 1,830.4 | 0.0 | 1,494,160.5 | | Créditos vencidos | 113,373.9 | 46,615.3 | 189,088.1 | 91,347.1 | 118,978.0 | 25,852.5 | 10,555.6 | 9,494.2 | 367.1 | 605,671.9 | | Créditos en cobro judicial | 47,113.2 | 134,685.6 | 143,535.4 | 69,132.1 | 5,191.9 | 1,079.1 | 1,660.8 | 0.0 | 0.0 | 402,398.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 404,192.5 | 390,136.8 | 249,663.5 | 119,317.5 | 54,555.6 | 49,490.5 | 20,875.6 | 23,608.9 | 45,904.6 | 1,357,745.5 | | Provisiones por incobrabilidad de cartera de creditos | -583,411.6 | -532,645.8 | -637,590.5 | -261,577.1 | -220,112.9 | -101,444.8 | -33,425.7 | -19,412.4 | -8,166.5 | -2,397,787.4 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 76,016.2 | 283,432.5 | 84,800.3 | 32,716.9 | 24,550.9 | 10,300.5 | 13,751.6 | 1,766.4 | 5,419.3 | 532,754.7 | | Bienes de uso, neto | 756,788.5 | 277,181.0 | 597,836.1 | 141,842.1 | 118,520.3 | 246,495.9 | 17,339.7 | 20,292.5 | 22,255.6 | 2,198,551.7 | | Bienes recibidos en recuperacion de creditos, neto | 23,860.6 | 84,519.6 | 5,727.3 | 12,009.5 | 11.2 | 1,361.6 | 1,875.5 | 0.0 | 0.0 | 129,365.4 | | Invesiones permanentes en acciones | 160,452.2 | 476,066.6 | 56,150.7 | 7,035.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 699,705.4 | | Otros activos neto | 180,023.0 | 527,840.8 | 48,875.1 | 127,623.0 | 28,517.8 | 66,573.2 | 33,955.9 | 9,599.5 | 59,254.6 | 1,082,262.9 | | Pasivo | 47,797,772.8 | 36,210,087.1 | 32,035,943.9 | 14,869,207.2 | 5,598,892.3 | 3,084,145.2 | 899,201.5 | 650,881.8 | 747,946.2 | 141,894,077.9 | | Obligaciones con el Público | 43,677,769.2 | 28,351,536.5 | 29,737,959.4 | 11,244,294.4 | 5,302,297.3 | 2,527,650.9 | 78,948.7 | 0.0 | 0.0 | 120,920,456.5 | | Moneda Nacional | 11,526,567.8 | 7,045,400.0 | 6,734,171.2 | 2,053,835.7 | 905,445.2 | 336,849.1 | 0.0 | 0.0 | 0.0 | 28,602,269.0 | | Depositos a la Vista | 5,580,475.0 | 3,721,128.5 | 4,076,149.6 | 624,258.1 | 362,041.1 | 119,051.4 | 0.0 | 0.0 | 0.0 | 14,483,103.8 | | Depositos de Ahorro | 5,318,153.1 | 2,746,851.7 | 1,999,522.9 | 1,260,876.1 | 146,909.5 | 188,327.7 | 0.0 | 0.0 | 0.0 | 11,660,640.9 | | Depositos a Plazo | 627,939.6 | 577,419.8 | 658,498.7 | 168,701.5 | 396,494.6 | 29,470.0 | 0.0 | 0.0 | 0.0 | 2,458,524.3 | | 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 | 31,517,955.0 | 19,781,150.9 | 22,268,029.7 | 8,728,777.9 | 4,304,287.2 | 2,143,240.7 | 0.0 | 0.0 | 0.0 | 88,743,441.5 | | Depositos a la Vista | 12,519,711.4 | 5,419,956.6 | 7,180,918.0 | 531,287.6 | 721,100.4 | 196,156.8 | 0.0 | 0.0 | 0.0 | 26,569,130.8 | | Depositos de Ahorro | 11,593,556.7 | 8,989,968.2 | 9,360,330.6 | 4,553,058.8 | 1,554,993.6 | 1,000,014.7 | 0.0 | 0.0 | 0.0 | 37,051,922.6 | | Depositos a Plazo | 7,404,686.8 | 5,371,226.1 | 5,726,781.1 | 3,644,431.5 | 2,028,193.2 | 947,069.2 | 0.0 | 0.0 | 0.0 | 25,122,388.0 | | 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 | 501,931.3 | 1,408,689.5 | 607,482.4 | 359,703.2 | 33,505.8 | 25,314.1 | 78,465.3 | 0.0 | 0.0 | 3,015,091.7 | | Cargos financieros por pagar sobre obligaciones con el Público | 131,315.1 | 116,296.1 | 128,276.2 | 101,977.5 | 59,059.0 | 22,246.9 | 483.5 | 0.0 | 0.0 | 559,654.3 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,233,283.1 | 5,828,049.8 | 1,676,135.2 | 2,811,261.3 | 0.0 | 345,074.0 | 773,573.2 | 602,635.1 | 725,531.7 | 15,995,543.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 121,183.6 | 189,466.3 | 131,132.6 | 95,852.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 537,635.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 805,609.5 | 1,081,909.0 | 208,465.0 | 483,700.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,579,684.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 239,385.6 | 0.0 | 551,214.2 | 0.0 | 790,599.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,306,490.0 | 4,556,674.5 | 1,336,537.7 | 2,231,707.9 | 0.0 | 105,688.4 | 773,573.2 | 51,420.9 | 725,531.7 | 12,087,624.4 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 305,370.4 | 74,638.0 | 0.0 | 106,142.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 486,151.0 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 66,539.8 | 0.0 | 0.0 | 0.0 | 0.0 | 66,539.8 | | Otras cuentas por pagar | 129,665.8 | 560,166.9 | 199,260.2 | 54,675.4 | 47,122.3 | 15,433.5 | 7,481.6 | 20,975.7 | 10,457.0 | 1,045,238.4 | | Otros pasivos y provisiones | 398,370.1 | 633,655.1 | 422,589.0 | 135,978.3 | 182,933.0 | 72,954.5 | 39,197.8 | 27,270.9 | 11,957.5 | 1,924,906.2 | | Obligaciones subordinadas | 53,314.1 | 762,040.7 | 0.0 | 516,855.3 | 0.0 | 123,032.4 | 0.0 | 0.0 | 0.0 | 1,455,242.5 | | 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 | 4,512,698.0 | 4,359,289.3 | 4,684,231.6 | 1,505,932.0 | 971,650.6 | 380,290.9 | 253,403.0 | 186,713.7 | 134,898.0 | 16,989,107.1 | | Capital social pagado | 2,702,500.0 | 1,965,300.0 | 2,790,361.1 | 830,000.0 | 300,000.0 | 779,880.4 | 223,815.0 | 170,340.0 | 100,000.0 | 9,862,196.5 | | 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 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 41,250.0 | 41,250.8 | | 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 | -5.6 | -1,840.4 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1,046.0 | | Reservas patrimoniales | 829,778.1 | 667,224.5 | 775,291.7 | 280,391.3 | 244,392.6 | 35,691.1 | 4,811.8 | 2,799.8 | 0.0 | 2,840,380.9 | | Resultados acumulados de ejercicios anteriores | 76,036.0 | 793,286.5 | 191,496.4 | 134,012.0 | 331,316.3 | -457,170.5 | -12,700.0 | 794.8 | 0.0 | 1,057,071.5 | | Resultados del Periodo | 904,389.6 | 935,318.0 | 926,282.4 | 261,528.6 | 95,941.7 | 21,889.7 | 37,476.2 | 12,779.1 | -6,352.0 | 3,189,253.3 | | Cuentas contingentes | 13,540,129.2 | 9,634,389.4 | 7,781,374.2 | 828,528.9 | 4,631,033.3 | 2,531.1 | 0.0 | 0.0 | 0.0 | 36,417,986.2 | | Cuentas de orden | 68,557,012.1 | 31,055,756.2 | 208,583,056.4 | 30,867,987.6 | 5,851,988.2 | 8,809,967.8 | 2,161,815.7 | 1,179,880.1 | 315,656.9 | 357,383,121.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2013 C$ 25.3318 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2014 C$ 26.5984 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
