| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | BANCORP | FUNDESER | Sistema Bancario y Financiero | | Activo | 55,016,479.9 | 44,927,119.9 | 38,170,644.2 | 16,642,134.8 | 7,105,509.5 | 3,667,128.1 | 1,288,256.9 | 898,327.6 | 492,647.1 | 955,954.9 | 169,164,202.9 | | Disponibilidades | 14,402,804.8 | 9,806,457.8 | 11,068,265.4 | 3,173,801.5 | 1,948,809.2 | 655,446.4 | 95,913.3 | 50,862.3 | 299,811.7 | 99,913.6 | 41,602,086.0 | | Moneda Nacional | 4,374,127.3 | 3,063,792.3 | 3,092,716.7 | 751,058.7 | 359,144.1 | 154,273.5 | 58,644.4 | 23,363.1 | 113,513.6 | 16,608.5 | 12,007,242.3 | | Caja | 971,418.5 | 645,355.3 | 1,729,376.5 | 173,269.1 | 77,765.2 | 68,034.0 | 7,096.5 | 14,989.1 | 3,843.4 | 11,891.5 | 3,703,039.0 | | Banco Central de Nicaragua | 3,184,004.9 | 402,442.6 | 1,162,299.8 | 480,848.7 | 269,035.3 | 74,627.3 | 20,895.0 | 0.0 | 109,664.1 | 0.0 | 5,703,817.6 | | Depositos e Instituciones Financieras del Pais | 4,407.8 | 0.0 | 0.0 | 4,836.5 | 5,891.7 | 963.6 | 30,653.0 | 8,374.0 | 0.0 | 4,377.4 | 59,504.0 | | Otras disponibilidades | 214,296.2 | 2,015,994.4 | 201,040.4 | 92,104.5 | 6,451.9 | 10,648.6 | 0.0 | 0.0 | 6.2 | 339.7 | 2,540,881.8 | | | | | | | | | | | | | | | Moneda Extranjera | 10,028,677.5 | 6,742,665.5 | 7,975,548.7 | 2,422,742.8 | 1,589,665.1 | 501,172.9 | 37,268.9 | 27,499.2 | 186,298.1 | 83,305.1 | 29,594,843.7 | | Caja | 691,136.7 | 363,885.4 | 2,222,679.8 | 144,546.3 | 115,627.8 | 96,897.3 | 3,661.8 | 12,190.1 | 2,344.1 | 4,457.1 | 3,657,426.4 | | Banco Central de Nicaragua | 5,932,566.6 | 1,213,007.2 | 3,980,367.5 | 1,588,210.3 | 1,338,368.4 | 353,597.8 | 6,187.2 | 0.0 | 183,954.0 | 0.0 | 14,596,259.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 13,650.1 | 0.0 | 2,965.7 | 27,419.8 | 15,309.0 | 0.0 | 78,848.0 | 138,192.7 | | Depositos en Instituciones Financieras del exterior | 3,256,816.8 | 1,128,777.1 | 1,655,794.8 | 559,903.6 | 120,411.2 | 42,624.9 | 0.0 | 0.0 | 0.0 | 0.0 | 6,764,328.4 | | Otras disponibilidades | 148,157.4 | 4,036,995.8 | 116,706.6 | 116,432.5 | 15,257.6 | 5,087.2 | 0.0 | 0.0 | 0.0 | 0.0 | 4,438,637.1 | | | | | | | | | | | | | | | Inversiones en valores, neto | 11,604,847.3 | 5,559,764.9 | 170,078.7 | 1,055,213.4 | 569,385.7 | 0.0 | 26,079.5 | 0.0 | 0.0 | 81,508.1 | 19,066,877.5 | | 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 | 0.0 | | Inversiones Disponibles para la Venta | 5,098,539.8 | 2,714,871.2 | 170,078.7 | 294,560.6 | 569,385.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,847,436.0 | | Inversiones Mantenidas Hasta el Vencimiento | 6,506,307.5 | 2,844,893.7 | 0.0 | 760,652.8 | 0.0 | 0.0 | 26,079.5 | 0.0 | 0.0 | 81,508.1 | 10,219,441.6 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 59,470.1 | 564,105.1 | 300,173.6 | 12,861.9 | 0.0 | 0.0 | 0.0 | 0.0 | 98,051.4 | 1,091.0 | 1,035,753.1 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 27,674,477.2 | 27,255,617.7 | 25,793,517.7 | 12,080,867.2 | 4,430,264.7 | 2,680,742.7 | 1,094,668.7 | 807,129.0 | 0.0 | 685,506.4 | 102,502,791.4 | | Créditos vigentes | 27,096,475.9 | 26,498,827.9 | 25,826,280.9 | 11,889,905.6 | 4,393,859.0 | 2,648,073.4 | 1,087,105.0 | 791,159.1 | 0.0 | 667,868.3 | 100,899,555.0 | | Créditos prorrogados | 253,236.0 | 2,050.5 | 1,295.0 | 0.0 | 0.0 | 0.0 | 0.0 | 781.3 | 0.0 | 0.0 | 257,362.8 | | Créditos reestructurados | 421,845.8 | 756,736.2 | 111,672.2 | 196,827.8 | 62,397.8 | 70,867.6 | 9,518.8 | 4,146.0 | 0.0 | 0.0 | 1,634,012.1 | | Créditos vencidos | 87,383.8 | 52,075.4 | 131,858.7 | 74,347.5 | 106,859.6 | 15,893.5 | 10,509.2 | 11,015.8 | 0.0 | 3,823.4 | 493,766.9 | | Créditos en cobro judicial | 35,742.0 | 158,118.4 | 150,171.3 | 75,650.2 | 4,768.8 | 1,258.1 | 1,805.7 | 0.0 | 0.0 | 0.0 | 427,514.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 392,812.4 | 390,287.0 | 217,396.8 | 120,882.0 | 70,571.0 | 41,013.2 | 19,914.0 | 21,971.6 | 0.0 | 26,803.1 | 1,301,651.0 | | Provisiones por incobrabilidad de cartera de creditos | -613,018.6 | -602,477.7 | -645,157.1 | -276,745.9 | -208,191.5 | -96,363.2 | -34,183.9 | -21,944.8 | 0.0 | -12,988.3 | -2,511,070.8 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 134,683.0 | 309,038.0 | 82,481.4 | 32,147.4 | 5,099.9 | 16,728.6 | 16,041.9 | 1,582.0 | 2,700.0 | 1,303.1 | 601,805.3 | | Bienes de uso, neto | 773,916.2 | 318,648.6 | 609,476.3 | 136,364.6 | 115,780.8 | 243,754.5 | 21,658.3 | 22,275.5 | 12,035.1 | 24,568.6 | 2,278,478.5 | | Bienes recibidos en recuperacion de creditos, neto | 18,364.2 | 119,602.3 | 7,641.1 | 13,668.6 | 11.2 | 943.3 | 1,709.4 | 0.0 | 0.0 | 0.0 | 161,940.0 | | Invesiones permanentes en acciones | 160,452.2 | 622,524.7 | 57,587.2 | 7,544.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 848,108.5 | | Otros activos neto | 187,465.0 | 371,360.7 | 81,422.7 | 129,665.9 | 36,158.1 | 69,512.7 | 32,185.9 | 16,478.7 | 80,048.9 | 62,064.0 | 1,066,362.6 | | Pasivo | 50,151,061.1 | 40,438,023.2 | 33,144,949.6 | 15,045,793.5 | 6,118,965.4 | 3,263,933.6 | 1,022,019.3 | 702,006.0 | 3,030.7 | 824,547.9 | 150,714,330.4 | | Obligaciones con el Público | 45,021,285.1 | 31,798,741.6 | 30,896,444.2 | 11,708,253.4 | 5,909,984.3 | 2,689,860.5 | 109,031.3 | 0.0 | 1,311.6 | 0.0 | 128,134,912.0 | | Moneda Nacional | 13,660,320.6 | 8,807,284.6 | 7,225,456.9 | 1,934,604.4 | 835,988.4 | 383,838.9 | 0.0 | 0.0 | 599.3 | 0.0 | 32,848,093.1 | | Depositos a la Vista | 6,529,165.2 | 5,185,357.8 | 4,394,118.7 | 426,949.7 | 500,331.0 | 138,683.2 | 0.0 | 0.0 | 176.2 | 0.0 | 17,174,781.9 | | Depositos de Ahorro | 6,012,757.7 | 3,015,110.8 | 2,211,889.5 | 1,372,922.8 | 166,520.0 | 203,668.9 | 0.0 | 0.0 | 423.0 | 0.0 | 12,983,292.7 | | Depositos a Plazo | 1,118,397.7 | 606,816.0 | 619,448.7 | 134,731.9 | 169,137.3 | 41,486.9 | 0.0 | 0.0 | 0.0 | 0.0 | 2,690,018.5 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | | Moneda Extranjera | 30,691,104.6 | 22,449,089.6 | 22,902,269.9 | 9,245,769.1 | 4,994,710.1 | 2,246,731.3 | 0.0 | 0.0 | 712.4 | 0.0 | 92,530,387.0 | | Depositos a la Vista | 10,557,321.5 | 6,663,466.9 | 6,867,721.9 | 607,083.3 | 987,751.2 | 214,315.2 | 0.0 | 0.0 | 600.1 | 0.0 | 25,898,260.2 | | Depositos de Ahorro | 12,322,967.8 | 9,595,089.8 | 9,268,468.8 | 4,897,673.8 | 1,551,637.8 | 1,033,482.4 | 0.0 | 0.0 | 112.2 | 0.0 | 38,669,432.7 | | Depositos a Plazo | 7,810,815.4 | 6,190,532.9 | 6,766,079.2 | 3,741,012.0 | 2,455,321.0 | 998,933.7 | 0.0 | 0.0 | 0.0 | 0.0 | 27,962,694.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | | Otras obligaciones | 538,294.9 | 425,390.1 | 606,689.5 | 428,421.9 | 31,105.8 | 37,479.6 | 108,114.0 | 0.0 | 0.0 | 0.0 | 2,175,495.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 131,564.9 | 116,977.3 | 162,027.9 | 99,458.0 | 48,180.0 | 21,810.6 | 917.3 | 0.0 | 0.0 | 0.0 | 580,936.1 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,125,540.2 | 6,291,731.0 | 1,600,923.1 | 2,516,353.0 | 0.0 | 341,239.9 | 853,693.0 | 640,614.9 | 0.0 | 794,535.8 | 17,164,630.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 109,489.3 | 183,448.8 | 126,767.9 | 92,793.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 512,499.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 822,820.8 | 1,165,587.0 | 194,267.3 | 399,551.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,582,226.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 40,542.8 | 0.0 | 0.0 | 0.0 | 0.0 | 229,742.3 | 0.0 | 594,484.6 | 0.0 | 0.0 | 864,769.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,152,687.3 | 4,942,695.2 | 1,279,887.9 | 2,024,008.5 | 0.0 | 111,497.6 | 853,693.0 | 46,130.3 | 0.0 | 794,535.8 | 13,205,135.6 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 395,176.9 | 157,643.9 | 0.0 | 107,463.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 660,283.9 | | Operaciones con Reportos y Valores Derivados | 0.0 | 397,981.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 397,981.6 | | Otras cuentas por pagar | 153,090.2 | 338,577.8 | 170,018.1 | 40,083.4 | 33,786.9 | 26,417.9 | 14,365.2 | 25,680.0 | 647.8 | 10,333.3 | 813,000.4 | | Otros pasivos y provisiones | 408,378.3 | 682,112.4 | 477,564.2 | 162,428.0 | 175,194.3 | 78,150.1 | 44,929.9 | 35,711.1 | 1,071.3 | 19,678.8 | 2,085,218.5 | | Obligaciones subordinadas | 47,590.4 | 771,235.0 | 0.0 | 511,212.5 | 0.0 | 128,265.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,458,303.2 | | Impuestos diferidos | 0.0 | 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 | 0.0 | | Patrimonio | 4,865,418.8 | 4,489,096.6 | 5,025,694.6 | 1,596,341.3 | 986,544.1 | 403,194.5 | 266,237.6 | 196,321.6 | 489,616.4 | 131,407.0 | 18,449,872.4 | | 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 | 402,700.0 | 100,000.0 | 10,264,896.5 | | Capital donado | 0.0 | 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 | 89,237.8 | 41,250.0 | 130,488.6 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | -72.5 | -5,664.4 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -4,936.9 | | Reservas patrimoniales | 829,778.1 | 826,619.7 | 914,234.0 | 280,391.3 | 258,783.9 | 38,373.0 | 10,433.3 | 2,799.8 | 0.0 | 0.0 | 3,161,413.1 | | Resultados acumulados de ejercicios anteriores | 980,425.5 | 1,349,093.7 | 978,836.4 | 395,540.6 | 412,866.7 | -441,973.0 | 19,154.8 | 13,573.9 | 0.0 | -6,352.0 | 3,701,166.8 | | Resultados del Periodo | 352,787.7 | 353,747.0 | 341,463.0 | 90,409.3 | 14,893.5 | 26,913.8 | 12,834.5 | 9,607.8 | -2,321.3 | -3,491.0 | 1,196,844.4 | | Cuentas contingentes | 15,060,824.5 | 9,675,618.3 | 8,438,221.0 | 889,049.4 | 4,336,236.1 | 7,370.4 | 0.0 | 0.0 | 0.0 | 0.0 | 38,407,319.7 | | Cuentas de orden | 72,385,104.9 | 30,049,928.6 | 206,262,379.5 | 30,436,624.2 | 5,963,144.9 | 9,242,079.5 | 2,330,296.5 | 1,359,507.8 | 0.0 | 784,254.1 | 358,813,319.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2014 C$ 25.7414 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2015 C$ 27.0285 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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