| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | BANCORP | FUNDESER | Sistema Bancario y Financiero | | Activo | 53,345,080.9 | 44,699,399.0 | 39,511,444.5 | 16,780,420.9 | 7,030,594.5 | 3,698,867.6 | 1,289,685.1 | 952,495.0 | 3,172,587.6 | 1,007,251.4 | 171,487,826.5 | | Disponibilidades | 12,812,846.3 | 9,255,711.1 | 11,722,034.8 | 3,109,884.9 | 1,663,967.5 | 621,945.7 | 83,432.7 | 76,250.4 | 3,025,587.8 | 45,933.6 | 42,417,594.9 | | Moneda Nacional | 3,449,062.2 | 2,244,845.8 | 3,032,999.5 | 664,231.1 | 234,962.3 | 160,733.2 | 66,002.4 | 26,824.9 | 1,267,571.3 | 32,738.0 | 11,179,970.8 | | Caja | 1,023,873.6 | 611,850.7 | 1,370,206.6 | 128,899.2 | 70,730.3 | 75,044.4 | 7,368.8 | 16,655.6 | 4,037.8 | 9,839.6 | 3,318,506.7 | | Banco Central de Nicaragua | 2,232,283.6 | 0.0 | 1,380,545.1 | 432,876.6 | 153,230.4 | 80,353.7 | 42,444.9 | 0.0 | 1,259,900.8 | 0.0 | 5,581,635.1 | | Depositos e Instituciones Financieras del Pais | 7,695.7 | 0.0 | 0.0 | 46,601.8 | 3,871.7 | 765.3 | 16,188.7 | 10,169.3 | 0.0 | 22,876.3 | 108,168.9 | | Otras disponibilidades | 185,209.2 | 1,632,995.0 | 282,247.9 | 55,853.5 | 7,129.8 | 4,569.8 | 0.0 | 0.0 | 3,632.7 | 22.0 | 2,171,660.1 | | | | | | | | | | | | | | | Moneda Extranjera | 9,363,784.0 | 7,010,865.4 | 8,689,035.3 | 2,445,653.8 | 1,429,005.3 | 461,212.5 | 17,430.3 | 49,425.5 | 1,758,016.5 | 13,195.6 | 31,237,624.1 | | Caja | 642,229.5 | 413,536.1 | 2,533,479.8 | 179,760.7 | 61,609.8 | 92,731.7 | 3,369.7 | 9,986.2 | 2,610.4 | 6,650.4 | 3,945,964.4 | | Banco Central de Nicaragua | 6,705,374.6 | 1,214,185.7 | 3,787,725.7 | 1,483,894.0 | 1,188,157.7 | 334,089.5 | 6,212.9 | 0.0 | 1,752,633.9 | 0.0 | 16,472,274.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 149,562.0 | 0.0 | 1,034.3 | 7,847.7 | 39,439.2 | 0.0 | 6,545.3 | 204,428.5 | | Depositos en Instituciones Financieras del exterior | 1,579,773.5 | 1,196,925.0 | 2,219,591.6 | 568,522.4 | 167,386.5 | 28,796.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5,760,995.5 | | Otras disponibilidades | 436,406.5 | 4,186,218.5 | 148,238.2 | 63,914.7 | 11,851.2 | 4,560.5 | 0.0 | 0.0 | 2,772.1 | 0.0 | 4,853,961.7 | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,958,299.1 | 6,474,065.9 | 653,213.8 | 1,038,735.3 | 720,797.5 | 0.0 | 0.0 | 0.0 | 54,277.8 | 136,592.6 | 20,035,982.0 | | 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 | 4,393,308.6 | 3,583,528.6 | 653,213.8 | 269,383.0 | 720,797.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,620,231.4 | | Inversiones Mantenidas Hasta el Vencimiento | 6,564,990.6 | 2,890,537.3 | 0.0 | 769,352.3 | 0.0 | 0.0 | 0.0 | 0.0 | 54,277.8 | 136,592.6 | 10,415,750.6 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 60,836.2 | 0.0 | 0.0 | 15,588.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,101.3 | 77,526.1 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 28,277,867.6 | 27,187,160.7 | 26,297,723.4 | 12,292,797.7 | 4,474,918.1 | 2,749,019.0 | 1,132,543.3 | 830,243.9 | 0.0 | 736,806.5 | 103,979,080.3 | | Créditos vigentes | 27,465,676.9 | 26,416,787.6 | 26,300,585.8 | 12,091,748.9 | 4,438,331.2 | 2,718,611.8 | 1,123,593.8 | 812,409.8 | 0.0 | 716,541.3 | 102,084,287.2 | | Créditos prorrogados | 447,422.9 | 3,573.0 | 1,300.4 | 1,268.9 | 0.0 | 0.0 | 0.0 | 2,031.8 | 0.0 | 0.0 | 455,597.0 | | Créditos reestructurados | 432,380.5 | 762,423.9 | 109,420.5 | 200,550.9 | 59,392.4 | 68,726.8 | 9,521.3 | 4,185.7 | 0.0 | 0.0 | 1,646,601.9 | | Créditos vencidos | 120,017.2 | 52,154.7 | 150,480.3 | 79,916.5 | 103,734.9 | 17,741.9 | 10,329.9 | 11,599.1 | 0.0 | 5,740.8 | 551,715.5 | | Créditos en cobro judicial | 41,527.6 | 156,026.0 | 147,207.3 | 78,860.7 | 4,788.6 | 542.8 | 1,803.6 | 0.0 | 0.0 | 0.0 | 430,756.5 | | Intereses y Comisiones por Cobrar sobre Creditos | 414,441.9 | 401,979.2 | 241,125.3 | 126,931.7 | 72,743.4 | 40,850.2 | 22,186.9 | 22,943.1 | 0.0 | 30,006.5 | 1,373,208.1 | | Provisiones por incobrabilidad de cartera de creditos | -643,599.3 | -605,783.5 | -652,396.2 | -286,480.0 | -204,072.3 | -97,454.5 | -34,892.2 | -22,925.7 | 0.0 | -15,482.1 | -2,563,085.8 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 166,169.4 | 325,680.8 | 80,294.2 | 37,236.8 | 5,571.6 | 16,023.7 | 18,406.0 | 2,124.3 | 2,700.0 | 2,286.3 | 656,493.1 | | Bienes de uso, neto | 773,471.6 | 322,984.8 | 626,732.2 | 135,743.3 | 114,482.7 | 243,557.7 | 21,829.1 | 26,170.5 | 11,899.5 | 23,821.5 | 2,300,692.8 | | Bienes recibidos en recuperacion de creditos, neto | 18,373.4 | 113,971.9 | 8,022.2 | 11,944.4 | 11.2 | 943.3 | 1,724.2 | 0.0 | 0.0 | 0.0 | 154,990.7 | | Invesiones permanentes en acciones | 160,452.2 | 622,524.7 | 57,485.5 | 7,607.7 | 4,070.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 852,140.2 | | Otros activos neto | 116,765.1 | 397,299.0 | 65,938.4 | 130,882.1 | 46,775.9 | 67,378.2 | 31,749.7 | 17,705.9 | 78,122.5 | 60,709.6 | 1,013,326.3 | | Pasivo | 48,387,704.1 | 40,110,374.8 | 34,402,398.3 | 15,156,773.9 | 6,052,067.1 | 3,290,749.2 | 1,019,502.6 | 754,068.3 | 2,689,530.8 | 875,461.2 | 152,738,630.3 | | Obligaciones con el Público | 43,269,822.8 | 31,830,976.4 | 31,926,078.8 | 11,598,934.4 | 5,820,780.9 | 2,713,739.7 | 109,003.0 | 0.0 | 2,676,930.6 | 0.0 | 129,946,266.6 | | Moneda Nacional | 12,308,329.7 | 8,250,780.0 | 7,588,244.2 | 1,852,284.8 | 921,183.7 | 392,590.1 | 0.0 | 0.0 | 1,200,839.7 | 0.0 | 32,514,252.1 | | Depositos a la Vista | 5,467,580.3 | 4,699,031.6 | 4,815,482.0 | 442,380.0 | 584,609.6 | 148,500.8 | 0.0 | 0.0 | 1,200,336.3 | 0.0 | 17,357,920.5 | | Depositos de Ahorro | 5,732,175.3 | 2,910,152.1 | 2,136,795.4 | 1,275,163.5 | 166,519.4 | 199,664.9 | 0.0 | 0.0 | 503.4 | 0.0 | 12,420,974.0 | | Depositos a Plazo | 1,108,574.1 | 641,596.3 | 635,966.8 | 134,741.3 | 170,054.7 | 44,424.4 | 0.0 | 0.0 | 0.0 | 0.0 | 2,735,357.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | | Moneda Extranjera | 28,838,752.2 | 22,952,934.9 | 23,578,284.3 | 9,185,673.9 | 4,695,999.7 | 2,262,995.8 | 0.0 | 0.0 | 1,475,146.7 | 0.0 | 92,989,787.7 | | Depositos a la Vista | 8,530,593.6 | 6,927,116.8 | 7,198,923.2 | 651,236.2 | 844,533.6 | 224,906.5 | 0.0 | 0.0 | 1,474,141.3 | 0.0 | 25,851,451.3 | | Depositos de Ahorro | 12,262,901.3 | 9,698,739.8 | 9,412,686.8 | 4,724,511.6 | 1,536,154.5 | 1,030,423.6 | 0.0 | 0.0 | 191.2 | 0.0 | 38,665,608.8 | | Depositos a Plazo | 8,045,257.4 | 6,327,078.3 | 6,966,674.3 | 3,809,926.1 | 2,315,311.6 | 1,007,665.7 | 0.0 | 0.0 | 814.2 | 0.0 | 28,472,727.6 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | | Otras obligaciones | 1,984,981.7 | 504,277.3 | 589,358.2 | 457,826.7 | 153,671.9 | 35,036.4 | 108,173.6 | 0.0 | 943.0 | 0.0 | 3,834,268.7 | | Cargos financieros por pagar sobre obligaciones con el Público | 137,759.1 | 122,984.2 | 170,192.1 | 103,149.0 | 49,925.6 | 23,117.4 | 829.4 | 0.0 | 1.1 | 0.0 | 607,958.1 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,127,666.4 | 6,301,240.6 | 1,796,364.5 | 2,728,287.7 | 0.0 | 343,869.7 | 851,231.3 | 687,483.1 | 8,072.2 | 844,954.1 | 17,689,169.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 105,916.9 | 188,203.4 | 124,485.4 | 92,000.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 510,606.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 809,730.3 | 1,515,509.0 | 188,627.9 | 372,589.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,886,456.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 40,711.1 | 0.0 | 0.0 | 0.0 | 0.0 | 230,696.0 | 0.0 | 633,189.2 | 0.0 | 0.0 | 904,596.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,171,308.1 | 4,597,528.2 | 1,483,251.3 | 2,263,698.2 | 0.0 | 113,173.7 | 851,231.3 | 54,293.8 | 8,072.2 | 844,954.1 | 13,387,511.0 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 400,052.5 | 158,990.6 | 0.0 | 108,424.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 667,467.3 | | Operaciones con Reportos y Valores Derivados | 0.0 | 7.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7.1 | | Otras cuentas por pagar | 157,303.4 | 363,924.3 | 192,719.6 | 46,026.8 | 34,980.7 | 25,761.5 | 14,938.1 | 30,222.8 | 937.7 | 9,173.5 | 875,988.5 | | Otros pasivos y provisiones | 384,878.6 | 687,995.5 | 487,235.3 | 158,834.4 | 196,305.5 | 82,142.1 | 44,330.1 | 36,362.4 | 3,590.3 | 21,333.6 | 2,103,007.8 | | Obligaciones subordinadas | 47,980.4 | 767,240.3 | 0.0 | 516,266.3 | 0.0 | 125,236.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,456,723.3 | | 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 | 4,957,376.8 | 4,589,024.2 | 5,109,046.3 | 1,623,647.0 | 978,527.4 | 408,118.3 | 270,182.5 | 198,426.7 | 483,056.8 | 131,790.2 | 18,749,196.1 | | Capital social pagado | 2,702,500.0 | 2,416,900.0 | 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 | 10,716,496.5 | | 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 | 228,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 100,148.6 | 41,250.0 | 369,399.4 | | 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 | -1.5 | 6,075.3 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,873.8 | | 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 | 752,425.5 | 897,493.7 | 978,836.4 | 395,540.6 | 412,866.7 | -441,973.0 | 19,154.8 | 13,573.9 | -10,204.4 | -6,352.0 | 3,011,362.4 | | Resultados del Periodo | 444,674.6 | 441,934.9 | 424,814.7 | 117,715.1 | 6,876.8 | 31,837.7 | 16,779.5 | 11,713.0 | -9,587.4 | -3,107.9 | 1,483,651.0 | | Cuentas contingentes | 14,642,816.1 | 9,529,340.1 | 8,266,783.0 | 895,260.5 | 4,319,084.5 | 9,568.9 | 0.0 | 0.0 | 0.0 | 0.0 | 37,662,853.1 | | Cuentas de orden | 71,129,588.9 | 30,333,835.4 | 213,280,937.3 | 31,652,331.9 | 6,243,328.1 | 9,323,637.2 | 2,372,417.4 | 1,409,222.3 | 0.0 | 933,957.8 | 366,679,256.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2014 C$ 25.8483 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2015 C$ 27.1407 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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