| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | FUNDESER | Sistema Bancario y Financiero | | Activo | 54,989,976.1 | 40,549,661.4 | 36,853,791.3 | 16,315,645.4 | 6,886,285.2 | 3,576,647.9 | 1,185,430.5 | 860,736.7 | 883,656.8 | 162,101,831.2 | | Disponibilidades | 14,863,052.5 | 6,978,271.9 | 11,008,785.2 | 3,045,864.3 | 1,610,782.0 | 674,606.3 | 83,284.5 | 72,132.1 | 100,892.5 | 38,437,671.4 | | Moneda Nacional | 4,198,044.5 | 2,551,307.5 | 2,859,097.0 | 626,986.4 | 237,814.5 | 154,367.8 | 52,613.7 | 36,540.7 | 73,877.3 | 10,790,649.4 | | Caja | 893,924.3 | 671,553.9 | 1,277,403.6 | 154,500.5 | 62,304.2 | 80,647.3 | 6,414.1 | 11,147.9 | 16,099.9 | 3,173,995.7 | | Banco Central de Nicaragua | 3,077,762.3 | 359,274.3 | 499,689.4 | 408,762.9 | 168,754.2 | 69,853.8 | 29,800.5 | 0.0 | 0.0 | 4,613,897.2 | | Depositos e Instituciones Financieras del Pais | 7,349.1 | 0.0 | 0.0 | 4,762.4 | 3,496.3 | 873.2 | 16,399.1 | 25,392.8 | 57,765.0 | 116,038.0 | | Otras disponibilidades | 219,008.8 | 1,520,479.3 | 1,082,004.0 | 58,960.5 | 3,259.8 | 2,993.6 | 0.0 | 0.0 | 12.4 | 2,886,718.5 | | | | | | | | | | | | | | Moneda Extranjera | 10,665,008.0 | 4,426,964.4 | 8,149,688.2 | 2,418,878.0 | 1,372,967.6 | 520,238.5 | 30,670.8 | 35,591.4 | 27,015.2 | 27,647,022.0 | | Caja | 634,014.0 | 408,247.7 | 1,981,374.1 | 132,449.3 | 95,823.6 | 99,417.3 | 3,322.5 | 10,249.0 | 4,427.0 | 3,369,324.5 | | Banco Central de Nicaragua | 6,499,991.8 | 102,401.9 | 1,548,163.1 | 1,449,895.1 | 1,080,673.2 | 369,002.3 | 20,002.6 | 0.0 | 0.0 | 11,070,130.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 140,770.4 | 0.0 | 2,117.3 | 7,345.7 | 25,342.4 | 22,588.2 | 198,163.9 | | Depositos en Instituciones Financieras del exterior | 3,311,603.7 | 602,653.4 | 1,735,559.2 | 610,866.4 | 182,916.1 | 43,713.2 | 0.0 | 0.0 | 0.0 | 6,487,312.0 | | Otras disponibilidades | 219,398.5 | 3,313,661.3 | 2,884,591.8 | 84,896.8 | 13,554.7 | 5,988.4 | 0.0 | 0.0 | 0.0 | 6,522,091.4 | | | | | | | | | | | | | | Inversiones en valores, neto | 11,612,837.4 | 5,968,253.8 | 17,437.9 | 1,184,738.7 | 631,677.5 | 0.0 | 0.0 | 0.0 | 66,951.1 | 19,481,896.4 | | 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 | 4,717,857.9 | 3,286,163.3 | 17,437.9 | 186,692.4 | 631,677.5 | 0.0 | 0.0 | 0.0 | 0.0 | 8,839,828.9 | | Inversiones Mantenidas Hasta el Vencimiento | 6,894,979.6 | 2,682,090.5 | 0.0 | 998,046.3 | 0.0 | 0.0 | 0.0 | 0.0 | 66,951.1 | 10,642,067.5 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 127,040.1 | 0.0 | 0.0 | 14,990.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 142,030.4 | | | | | | | | | | | | | | Cartera de Creditos, neta | 27,103,692.9 | 25,825,625.6 | 25,016,914.6 | 11,746,731.0 | 4,462,252.3 | 2,559,348.4 | 1,034,779.2 | 754,224.7 | 629,639.4 | 99,133,208.2 | | Créditos vigentes | 26,537,382.1 | 25,029,557.6 | 24,954,735.1 | 11,574,340.1 | 4,440,484.9 | 2,515,705.9 | 1,025,303.2 | 740,425.1 | 604,018.8 | 97,421,952.8 | | Créditos prorrogados | 185,172.6 | 10,196.6 | 50,732.5 | 0.0 | 0.0 | 0.0 | 0.0 | 285.0 | 0.0 | 246,386.8 | | Créditos reestructurados | 414,694.9 | 737,316.3 | 54,102.0 | 146,151.8 | 73,033.3 | 73,612.8 | 11,036.0 | 2,117.6 | 0.0 | 1,512,064.8 | | Créditos vencidos | 87,563.1 | 49,415.5 | 174,774.5 | 99,472.4 | 115,469.5 | 21,235.4 | 10,896.4 | 8,914.5 | 1,136.0 | 568,877.3 | | Créditos en cobro judicial | 56,133.0 | 141,123.4 | 147,385.3 | 65,618.0 | 5,213.4 | 1,083.5 | 1,429.1 | 0.0 | 0.0 | 417,985.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 422,422.4 | 400,055.9 | 261,763.7 | 123,759.7 | 53,330.4 | 48,977.3 | 19,945.7 | 21,894.8 | 33,008.8 | 1,385,158.8 | | Provisiones por incobrabilidad de cartera de creditos | -599,675.1 | -542,039.8 | -626,578.5 | -262,611.1 | -225,279.1 | -101,266.6 | -33,831.1 | -19,412.2 | -8,524.2 | -2,419,217.8 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 140,232.2 | 287,504.4 | 83,481.4 | 31,524.4 | 24,308.7 | 12,725.5 | 13,926.9 | 1,433.1 | 4,221.0 | 599,357.6 | | Bienes de uso, neto | 747,556.4 | 289,684.2 | 598,629.3 | 140,132.4 | 116,800.7 | 244,169.3 | 19,156.3 | 20,846.1 | 21,950.7 | 2,198,925.4 | | Bienes recibidos en recuperacion de creditos, neto | 24,974.8 | 105,424.9 | 6,154.8 | 10,560.1 | 11.2 | 1,164.9 | 1,563.0 | 0.0 | 0.0 | 149,853.7 | | Invesiones permanentes en acciones | 160,452.2 | 476,066.6 | 56,833.5 | 7,035.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 700,388.1 | | Otros activos neto | 210,137.4 | 618,830.0 | 65,554.7 | 134,068.4 | 40,452.8 | 84,633.4 | 32,720.5 | 12,100.7 | 60,002.1 | 1,258,500.0 | | Pasivo | 50,393,021.9 | 36,105,640.8 | 32,072,216.8 | 14,787,167.5 | 5,922,177.2 | 3,186,209.8 | 928,677.3 | 671,657.9 | 749,359.1 | 144,816,128.4 | | Obligaciones con el Público | 45,913,817.0 | 27,919,815.9 | 29,798,963.0 | 11,336,950.2 | 5,687,820.7 | 2,607,705.5 | 79,714.7 | 0.0 | 0.0 | 123,344,787.1 | | Moneda Nacional | 13,050,052.9 | 7,656,039.9 | 6,825,186.0 | 2,031,330.5 | 902,270.3 | 360,530.9 | 0.0 | 0.0 | 0.0 | 30,825,410.5 | | Depositos a la Vista | 5,952,607.3 | 4,163,202.3 | 4,047,014.7 | 558,567.6 | 461,424.1 | 135,337.8 | 0.0 | 0.0 | 0.0 | 15,318,153.9 | | Depositos de Ahorro | 6,416,974.6 | 2,919,675.9 | 2,114,243.2 | 1,308,751.2 | 208,445.3 | 193,109.3 | 0.0 | 0.0 | 0.0 | 13,161,199.4 | | Depositos a Plazo | 680,471.0 | 573,161.7 | 663,928.2 | 164,011.7 | 232,400.9 | 32,083.8 | 0.0 | 0.0 | 0.0 | 2,346,057.2 | | 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 | 32,157,064.6 | 19,653,332.2 | 22,148,330.8 | 8,806,210.6 | 4,699,932.7 | 2,178,692.8 | 0.0 | 0.0 | 0.0 | 89,643,563.7 | | Depositos a la Vista | 12,990,936.0 | 5,323,128.8 | 6,881,176.6 | 539,470.5 | 991,280.1 | 185,453.5 | 0.0 | 0.0 | 0.0 | 26,911,445.5 | | Depositos de Ahorro | 11,651,540.5 | 8,916,920.3 | 9,029,228.0 | 4,704,531.8 | 1,525,698.2 | 1,027,533.8 | 0.0 | 0.0 | 0.0 | 36,855,452.6 | | Depositos a Plazo | 7,514,588.2 | 5,413,283.0 | 6,237,926.2 | 3,562,208.4 | 2,182,954.3 | 965,705.5 | 0.0 | 0.0 | 0.0 | 25,876,665.6 | | 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 | 577,474.6 | 490,218.9 | 686,641.6 | 397,493.4 | 38,975.6 | 46,056.9 | 78,791.0 | 0.0 | 0.0 | 2,315,651.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 129,225.0 | 120,225.0 | 138,804.6 | 101,915.7 | 46,642.2 | 22,424.9 | 923.8 | 0.0 | 0.0 | 560,161.1 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 3,528,150.3 | 6,000,870.6 | 1,670,430.5 | 2,624,999.6 | 0.0 | 347,239.1 | 797,820.1 | 617,133.1 | 723,437.7 | 16,310,081.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 119,063.2 | 188,515.5 | 130,924.3 | 95,135.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 533,638.5 | | Préstamos del Banco Centroaméricano de Integración Económica | 783,901.8 | 1,138,775.5 | 204,656.2 | 446,525.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,573,859.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 240,379.2 | 0.0 | 566,425.0 | 0.0 | 806,804.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 2,625,185.3 | 4,673,579.5 | 1,334,850.1 | 2,083,338.6 | 0.0 | 106,859.9 | 797,820.1 | 50,708.1 | 723,437.7 | 12,395,779.1 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 363,437.1 | 155,007.4 | 0.0 | 105,908.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 624,352.8 | | 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 | 133,429.2 | 596,258.7 | 163,928.8 | 51,618.9 | 37,835.3 | 33,884.6 | 10,245.6 | 26,480.3 | 10,510.0 | 1,064,191.4 | | Otros pasivos y provisiones | 400,437.8 | 664,905.9 | 438,894.5 | 145,797.2 | 196,521.2 | 73,009.6 | 40,896.9 | 28,044.5 | 15,411.4 | 2,003,919.0 | | Obligaciones subordinadas | 53,750.5 | 768,782.3 | 0.0 | 521,893.3 | 0.0 | 124,371.0 | 0.0 | 0.0 | 0.0 | 1,468,797.1 | | 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 | 4,596,954.2 | 4,444,020.6 | 4,781,574.4 | 1,528,477.8 | 964,108.0 | 390,438.1 | 256,753.2 | 189,078.8 | 134,297.6 | 17,285,702.9 | | 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 | -765.2 | -3,022.3 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,987.6 | | Reservas patrimoniales | 829,778.1 | 667,224.5 | 914,234.0 | 280,391.3 | 258,783.9 | 35,691.1 | 10,433.3 | 2,799.8 | 0.0 | 2,999,336.0 | | Resultados acumulados de ejercicios anteriores | 980,425.5 | 1,728,604.5 | 978,836.4 | 395,540.6 | 412,866.7 | -435,280.8 | 19,154.8 | 13,573.9 | -6,352.0 | 4,087,369.8 | | Resultados del Periodo | 85,015.9 | 85,913.3 | 97,342.9 | 22,545.9 | -7,542.6 | 10,147.2 | 3,350.1 | 2,365.1 | -600.4 | 298,537.3 | | Cuentas contingentes | 13,365,523.7 | 8,730,892.1 | 7,865,420.1 | 841,694.1 | 4,193,866.4 | 4,411.0 | 0.0 | 0.0 | 0.0 | 35,001,807.3 | | Cuentas de orden | 69,722,157.3 | 29,006,194.7 | 209,309,431.3 | 31,796,325.2 | 5,949,619.0 | 8,859,408.1 | 2,189,906.1 | 1,214,309.7 | 393,801.2 | 358,441,152.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2014 C$ 25.4370 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2015 C$ 26.7088 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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