| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | FUNDESER | Sistema Bancario y Financiero | | Activo | 54,551,305.6 | 44,427,023.7 | 37,253,587.9 | 16,644,825.0 | 7,245,776.4 | 3,644,721.4 | 1,268,565.5 | 898,514.3 | 947,762.3 | 166,882,081.9 | | Disponibilidades | 13,627,874.6 | 9,136,522.1 | 11,072,136.1 | 3,485,230.1 | 2,226,899.8 | 658,462.7 | 109,633.7 | 71,252.9 | 133,656.2 | 40,521,668.1 | | Moneda Nacional | 4,465,121.9 | 2,548,361.9 | 2,769,609.8 | 822,925.1 | 315,327.5 | 148,013.6 | 74,445.0 | 32,328.4 | 43,379.7 | 11,219,513.0 | | Caja | 1,231,276.7 | 848,505.7 | 1,528,760.8 | 199,561.4 | 111,840.2 | 71,935.3 | 7,851.3 | 18,346.0 | 11,444.4 | 4,029,521.8 | | Banco Central de Nicaragua | 3,067,793.6 | 84,190.1 | 1,027,560.8 | 430,335.4 | 193,048.4 | 62,014.4 | 45,870.1 | 0.0 | 0.0 | 4,910,812.7 | | Depositos e Instituciones Financieras del Pais | 15,474.3 | 0.0 | 0.0 | 153,042.6 | 6,459.2 | 415.5 | 20,723.6 | 13,982.4 | 31,735.4 | 241,833.0 | | Otras disponibilidades | 150,577.4 | 1,615,666.2 | 213,288.1 | 39,985.7 | 3,979.7 | 13,648.4 | 0.0 | 0.0 | 199.9 | 2,037,345.4 | | | | | | | | | | | | | | Moneda Extranjera | 9,162,752.6 | 6,588,160.2 | 8,302,526.3 | 2,662,305.0 | 1,911,572.3 | 510,449.1 | 35,188.7 | 38,924.4 | 90,276.5 | 29,302,155.1 | | Caja | 729,804.8 | 390,853.7 | 1,820,052.3 | 182,550.8 | 97,664.4 | 95,202.1 | 3,807.7 | 11,601.5 | 3,313.7 | 3,334,850.9 | | Banco Central de Nicaragua | 5,662,667.1 | 868,130.2 | 4,593,811.0 | 1,544,638.9 | 1,525,187.5 | 356,834.1 | 19,622.6 | 0.0 | 0.0 | 14,570,891.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 26,884.2 | 0.0 | 2,344.7 | 11,758.3 | 27,322.9 | 86,962.8 | 155,273.0 | | Depositos en Instituciones Financieras del exterior | 2,671,880.3 | 1,376,204.8 | 1,802,295.2 | 825,657.5 | 285,230.9 | 47,931.6 | 0.0 | 0.0 | 0.0 | 7,009,200.3 | | Otras disponibilidades | 98,400.4 | 3,952,971.5 | 86,367.9 | 82,573.6 | 3,489.4 | 8,136.6 | 0.0 | 0.0 | 0.0 | 4,231,939.3 | | | | | | | | | | | | | | Inversiones en valores, neto | 12,007,790.9 | 6,452,248.2 | 12,470.1 | 964,236.2 | 487,916.0 | 0.0 | 0.0 | 0.0 | 81,182.3 | 20,005,843.6 | | 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 | 5,555,684.6 | 3,255,655.8 | 12,470.1 | 211,907.9 | 487,916.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,523,634.3 | | Inversiones Mantenidas Hasta el Vencimiento | 6,452,106.3 | 3,196,592.5 | 0.0 | 752,328.3 | 0.0 | 0.0 | 0.0 | 0.0 | 81,182.3 | 10,482,209.3 | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 61,229.4 | 0.0 | 0.0 | 20,183.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,081.1 | 82,494.1 | | | | | | | | | | | | | | Cartera de Creditos, neta | 27,493,585.2 | 26,934,624.0 | 25,339,824.7 | 11,855,669.3 | 4,372,578.8 | 2,653,667.3 | 1,079,225.7 | 789,909.0 | 647,233.6 | 101,166,317.6 | | Créditos vigentes | 26,914,808.7 | 26,231,341.5 | 25,352,952.3 | 11,676,265.5 | 4,343,918.8 | 2,614,767.2 | 1,070,033.0 | 774,839.2 | 629,734.4 | 99,608,660.7 | | Créditos prorrogados | 276,251.2 | 3,336.6 | 1,289.8 | 0.0 | 0.0 | 0.0 | 0.0 | 755.6 | 0.0 | 281,633.2 | | Créditos reestructurados | 416,623.8 | 703,961.5 | 110,176.9 | 183,980.0 | 64,224.3 | 70,984.3 | 10,203.8 | 3,689.0 | 0.0 | 1,563,843.7 | | Créditos vencidos | 81,386.9 | 60,484.5 | 142,556.9 | 82,831.8 | 106,189.7 | 19,628.4 | 11,014.9 | 10,178.9 | 2,793.9 | 517,065.8 | | Créditos en cobro judicial | 55,890.0 | 145,353.2 | 150,174.5 | 63,943.1 | 4,749.7 | 969.0 | 1,364.9 | 0.0 | 0.0 | 422,444.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 367,063.2 | 373,838.9 | 220,130.7 | 115,297.9 | 64,795.8 | 44,065.0 | 20,544.6 | 21,258.9 | 25,381.3 | 1,252,376.3 | | Provisiones por incobrabilidad de cartera de creditos | -618,438.6 | -583,692.1 | -637,456.4 | -266,649.0 | -211,299.5 | -96,746.7 | -33,935.5 | -20,812.8 | -10,675.9 | -2,479,706.5 | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 237,575.1 | 295,644.1 | 84,311.6 | 30,411.8 | 11,991.2 | 17,100.2 | 22,914.5 | 1,951.3 | 1,908.7 | 703,808.5 | | Bienes de uso, neto | 756,607.0 | 297,382.7 | 605,123.9 | 139,282.5 | 113,580.0 | 244,204.2 | 21,828.3 | 22,143.6 | 21,953.9 | 2,222,106.2 | | Bienes recibidos en recuperacion de creditos, neto | 18,266.8 | 113,513.1 | 5,782.1 | 13,804.0 | 11.2 | 992.4 | 1,195.1 | 0.0 | 0.0 | 153,564.6 | | Invesiones permanentes en acciones | 160,452.2 | 476,066.6 | 57,550.9 | 7,385.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 701,455.0 | | Otros activos neto | 187,924.3 | 721,022.8 | 76,388.6 | 128,622.3 | 32,799.4 | 70,294.7 | 33,768.3 | 13,257.5 | 60,746.5 | 1,324,824.3 | | Pasivo | 49,773,569.1 | 40,002,977.1 | 32,311,357.3 | 15,069,843.1 | 6,270,966.4 | 3,241,553.3 | 1,005,647.9 | 704,847.5 | 815,179.0 | 149,195,940.7 | | Obligaciones con el Público | 44,701,691.3 | 31,393,695.2 | 29,843,342.0 | 11,772,582.4 | 6,052,914.6 | 2,674,419.5 | 79,892.0 | 0.0 | 0.0 | 126,518,537.0 | | Moneda Nacional | 14,004,783.6 | 8,517,802.7 | 6,782,818.9 | 2,135,556.9 | 832,514.6 | 382,682.3 | 0.0 | 0.0 | 0.0 | 32,656,159.1 | | Depositos a la Vista | 6,865,801.1 | 4,840,100.0 | 3,933,437.9 | 499,040.6 | 486,642.8 | 144,817.4 | 0.0 | 0.0 | 0.0 | 16,769,839.9 | | Depositos de Ahorro | 6,045,866.6 | 3,100,295.2 | 2,209,305.8 | 1,498,881.8 | 175,832.2 | 196,194.6 | 0.0 | 0.0 | 0.0 | 13,226,376.1 | | Depositos a Plazo | 1,093,115.9 | 577,407.5 | 640,075.2 | 137,634.5 | 170,039.6 | 41,670.4 | 0.0 | 0.0 | 0.0 | 2,659,943.1 | | 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 | 30,002,126.0 | 22,456,887.9 | 22,245,071.4 | 9,097,159.9 | 5,139,421.1 | 2,227,603.8 | 0.0 | 0.0 | 0.0 | 91,168,270.2 | | Depositos a la Vista | 10,045,988.4 | 6,847,506.3 | 6,702,403.1 | 534,069.4 | 1,130,849.1 | 211,807.6 | 0.0 | 0.0 | 0.0 | 25,472,623.9 | | Depositos de Ahorro | 12,262,500.6 | 9,550,605.5 | 8,936,204.3 | 4,841,177.3 | 1,538,939.1 | 1,027,793.7 | 0.0 | 0.0 | 0.0 | 38,157,220.5 | | Depositos a Plazo | 7,693,637.0 | 6,058,776.2 | 6,606,464.1 | 3,721,913.2 | 2,469,632.9 | 988,002.5 | 0.0 | 0.0 | 0.0 | 27,538,425.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | Otras obligaciones | 565,647.5 | 305,536.7 | 661,139.5 | 441,865.1 | 39,236.2 | 39,741.0 | 79,414.9 | 0.0 | 0.0 | 2,132,580.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 129,134.2 | 113,467.9 | 154,312.1 | 98,000.5 | 41,742.7 | 24,392.4 | 477.1 | 0.0 | 0.0 | 561,526.9 | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,082,911.6 | 6,291,464.9 | 1,804,905.1 | 2,467,998.3 | 0.0 | 338,709.2 | 865,105.2 | 646,552.4 | 788,722.6 | 17,286,369.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 112,994.8 | 177,362.0 | 127,204.5 | 93,565.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 511,127.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 844,776.7 | 1,158,166.7 | 198,200.7 | 464,367.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,665,511.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 40,380.5 | 0.0 | 0.0 | 0.0 | 0.0 | 228,822.6 | 0.0 | 597,007.6 | 0.0 | 866,210.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,084,759.6 | 4,955,936.2 | 1,479,499.8 | 1,910,065.0 | 0.0 | 109,886.7 | 865,105.2 | 49,544.8 | 788,722.6 | 13,243,519.9 | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 368,038.1 | 156,348.3 | 0.0 | 106,537.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 630,923.7 | | 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 | 162,552.2 | 689,532.0 | 196,562.4 | 46,433.0 | 37,136.3 | 23,743.9 | 14,210.7 | 26,638.9 | 9,324.9 | 1,206,134.3 | | Otros pasivos y provisiones | 411,160.6 | 690,175.1 | 466,547.9 | 155,489.0 | 180,915.5 | 77,736.4 | 46,440.0 | 31,656.1 | 17,131.5 | 2,077,252.2 | | Obligaciones subordinadas | 47,215.2 | 781,761.6 | 0.0 | 520,803.2 | 0.0 | 126,944.2 | 0.0 | 0.0 | 0.0 | 1,476,724.2 | | 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 | 4,777,736.5 | 4,424,046.5 | 4,942,230.5 | 1,574,981.8 | 974,810.0 | 403,168.2 | 262,917.6 | 193,666.8 | 132,583.3 | 17,686,141.3 | | 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 | -57.1 | -17,402.8 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -16,659.9 | | 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 | 1,543,625.8 | 978,836.4 | 395,540.6 | 412,866.7 | -435,280.8 | 19,154.8 | 13,573.9 | -6,352.0 | 3,902,391.1 | | Resultados del Periodo | 265,090.0 | 265,298.4 | 257,999.0 | 69,049.9 | 3,159.4 | 22,877.2 | 9,514.6 | 6,953.1 | -2,314.8 | 897,626.8 | | Cuentas contingentes | 13,921,565.3 | 9,371,902.0 | 8,603,680.3 | 889,190.2 | 4,287,616.3 | 7,112.6 | 0.0 | 0.0 | 0.0 | 37,081,066.7 | | Cuentas de orden | 71,782,309.8 | 30,442,573.7 | 203,083,866.4 | 32,635,644.4 | 6,055,239.7 | 9,130,031.1 | 2,309,021.9 | 1,313,209.7 | 680,695.0 | 357,432,591.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2014 C$ 25.6384 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2015 C$ 26.9203 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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