| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO CITIBANK | PROCREDIT | FAMA | FINANCIERA FINCA NICARAGUA | BANCORP | FUNDESER | Sistema Bancario y Financiero | | Activo | 53,325,991.2 | 44,724,951.8 | 39,676,660.3 | 17,639,835.6 | 6,944,817.2 | 3,802,916.3 | 1,311,987.2 | 1,015,158.0 | 1,939,598.7 | 1,029,477.7 | 171,411,394.0 | | Disponibilidades | 12,929,061.2 | 8,579,398.8 | 11,572,016.6 | 3,535,579.5 | 1,430,112.9 | 679,186.8 | 69,591.9 | 105,677.3 | 1,689,246.2 | 21,824.6 | 40,611,695.7 | | Moneda Nacional | 4,876,404.7 | 2,318,114.9 | 2,979,137.7 | 785,039.1 | 438,058.0 | 141,050.6 | 50,953.2 | 31,305.5 | 520,496.4 | 12,484.6 | 12,153,044.6 | | Caja | 1,199,663.0 | 797,253.4 | 1,517,693.6 | 169,155.3 | 83,023.7 | 74,206.4 | 7,106.4 | 14,797.7 | 3,958.9 | 10,339.0 | 3,877,197.4 | | Banco Central de Nicaragua | 3,573,410.6 | 623.1 | 1,318,554.4 | 500,136.1 | 346,007.9 | 62,704.1 | 32,444.7 | 0.0 | 516,081.8 | 0.0 | 6,349,962.7 | | Depositos e Instituciones Financieras del Pais | 8,011.7 | 0.0 | 0.0 | 27,334.1 | 6,339.6 | 555.1 | 11,402.1 | 16,507.9 | 0.0 | 2,008.9 | 72,159.4 | | Otras disponibilidades | 95,319.3 | 1,520,238.4 | 142,889.6 | 88,413.5 | 2,686.8 | 3,584.9 | 0.0 | 0.0 | 455.7 | 136.8 | 1,853,725.1 | | | | | | | | | | | | | | | Moneda Extranjera | 8,052,656.5 | 6,261,283.9 | 8,592,879.0 | 2,750,540.4 | 992,054.9 | 538,136.2 | 18,638.7 | 74,371.8 | 1,168,749.8 | 9,339.9 | 28,458,651.1 | | Caja | 786,387.3 | 391,275.9 | 2,837,590.7 | 201,094.1 | 83,659.9 | 93,773.4 | 3,971.9 | 15,191.6 | 4,112.4 | 5,563.1 | 4,422,620.4 | | Banco Central de Nicaragua | 5,008,660.6 | 295,644.0 | 4,255,477.2 | 1,573,498.4 | 771,558.7 | 397,606.9 | 6,237.9 | 0.0 | 1,164,233.1 | 0.0 | 13,472,916.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 15,312.6 | 0.0 | 441.3 | 8,428.8 | 59,180.2 | 0.0 | 3,776.9 | 87,139.8 | | Depositos en Instituciones Financieras del exterior | 2,133,798.3 | 1,455,292.1 | 1,419,211.1 | 864,216.9 | 131,396.5 | 40,487.3 | 0.0 | 0.0 | 0.0 | 0.0 | 6,044,402.2 | | Otras disponibilidades | 123,810.4 | 4,119,071.9 | 80,599.9 | 96,418.4 | 5,439.8 | 5,827.2 | 0.0 | 0.0 | 404.3 | 0.0 | 4,431,571.9 | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,347,530.9 | 6,956,746.9 | 789,098.7 | 994,550.7 | 725,748.2 | 0.0 | 0.0 | 0.0 | 137,292.3 | 137,331.1 | 20,088,298.8 | | 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 | 3,895,716.6 | 3,810,509.1 | 789,098.7 | 216,680.2 | 725,748.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,437,752.8 | | Inversiones Mantenidas Hasta el Vencimiento | 6,451,814.3 | 3,146,237.8 | 0.0 | 777,870.5 | 0.0 | 0.0 | 0.0 | 0.0 | 137,292.3 | 137,331.1 | 10,650,546.0 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 69,290.9 | 0.0 | 0.0 | 15,696.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 84,987.0 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 28,762,199.8 | 27,343,678.5 | 26,452,961.9 | 12,774,287.5 | 4,556,056.3 | 2,798,879.3 | 1,154,476.1 | 846,493.9 | 0.0 | 785,875.5 | 105,474,908.7 | | Créditos vigentes | 28,235,006.1 | 26,559,929.6 | 26,478,222.1 | 12,572,700.3 | 4,524,819.3 | 2,768,469.7 | 1,146,795.0 | 828,280.4 | 0.0 | 761,732.1 | 103,875,954.5 | | Créditos prorrogados | 236,847.2 | 17,785.8 | 2,689.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,651.1 | 0.0 | 0.0 | 258,973.5 | | Créditos reestructurados | 400,589.6 | 758,067.4 | 110,392.2 | 211,738.0 | 54,899.5 | 70,729.4 | 9,341.7 | 4,291.4 | 0.0 | 0.0 | 1,620,049.3 | | Créditos vencidos | 104,875.0 | 70,642.8 | 134,396.0 | 88,682.7 | 100,548.9 | 17,318.3 | 10,603.5 | 12,567.8 | 0.0 | 5,568.3 | 545,203.5 | | Créditos en cobro judicial | 60,251.8 | 156,431.2 | 146,553.1 | 75,194.1 | 4,807.8 | 0.0 | 1,761.6 | 0.0 | 0.0 | 0.0 | 444,999.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 375,693.0 | 395,557.7 | 229,387.0 | 122,607.7 | 72,049.4 | 39,050.8 | 21,655.0 | 24,063.8 | 0.0 | 34,532.3 | 1,314,596.8 | | Provisiones por incobrabilidad de cartera de creditos | -651,062.9 | -614,736.1 | -648,677.9 | -296,635.4 | -201,068.6 | -96,688.9 | -35,680.8 | -24,360.7 | 0.0 | -15,957.2 | -2,584,868.4 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 147,829.5 | 336,025.9 | 90,616.2 | 36,307.8 | 16,280.4 | 12,584.2 | 30,106.4 | 2,262.3 | 9,616.2 | 1,551.2 | 683,180.0 | | Bienes de uso, neto | 778,139.8 | 331,847.9 | 640,182.9 | 127,643.5 | 113,345.0 | 246,485.2 | 21,758.5 | 41,617.7 | 26,495.3 | 23,106.4 | 2,350,621.9 | | Bienes recibidos en recuperacion de creditos, neto | 18,656.9 | 115,039.0 | 8,503.1 | 13,889.9 | 11.2 | 880.4 | 1,603.3 | 0.0 | 0.0 | 0.0 | 158,583.8 | | Invesiones permanentes en acciones | 160,452.2 | 595,275.0 | 57,697.3 | 7,607.7 | 4,070.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 825,102.3 | | Otros activos neto | 112,830.0 | 466,939.9 | 65,583.6 | 134,272.8 | 99,193.3 | 64,900.5 | 34,451.1 | 19,106.8 | 76,948.8 | 59,789.0 | 1,134,015.7 | | Pasivo | 48,273,377.8 | 40,109,420.5 | 34,473,929.6 | 16,069,666.5 | 5,982,276.9 | 3,389,343.3 | 1,038,970.4 | 800,546.9 | 1,441,431.5 | 896,457.1 | 152,475,420.5 | | Obligaciones con el Público | 42,932,894.6 | 32,219,128.0 | 32,479,422.4 | 12,031,830.5 | 5,740,899.1 | 2,760,999.0 | 109,704.7 | 0.0 | 1,426,897.9 | 0.0 | 129,701,776.2 | | Moneda Nacional | 12,605,717.7 | 8,387,069.0 | 7,671,424.0 | 1,941,147.4 | 894,291.9 | 401,366.2 | 0.0 | 0.0 | 511,824.4 | 0.0 | 32,412,840.5 | | Depositos a la Vista | 5,798,812.8 | 4,851,395.7 | 4,862,482.0 | 488,804.9 | 578,331.6 | 163,206.8 | 0.0 | 0.0 | 511,204.5 | 0.0 | 17,254,238.2 | | Depositos de Ahorro | 5,662,767.3 | 2,920,526.7 | 2,155,399.1 | 1,317,135.8 | 145,002.5 | 201,900.9 | 0.0 | 0.0 | 118.4 | 0.0 | 12,402,850.7 | | Depositos a Plazo | 1,144,137.6 | 615,146.6 | 653,542.9 | 135,206.7 | 170,957.8 | 36,258.6 | 0.0 | 0.0 | 501.5 | 0.0 | 2,755,751.6 | | 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 | 29,756,502.0 | 23,432,176.3 | 24,039,294.3 | 9,533,267.1 | 4,753,672.8 | 2,301,829.2 | 0.0 | 0.0 | 914,614.3 | 0.0 | 94,731,355.9 | | Depositos a la Vista | 9,069,129.4 | 7,104,058.9 | 7,428,853.6 | 625,514.8 | 974,528.3 | 250,001.2 | 0.0 | 0.0 | 910,826.3 | 0.0 | 26,362,912.5 | | Depositos de Ahorro | 12,389,780.5 | 9,796,640.8 | 9,451,900.1 | 4,957,019.4 | 1,530,367.9 | 1,025,134.5 | 0.0 | 0.0 | 272.8 | 0.0 | 39,151,116.0 | | Depositos a Plazo | 8,297,592.1 | 6,531,476.7 | 7,158,540.5 | 3,950,732.9 | 2,248,776.6 | 1,026,693.5 | 0.0 | 0.0 | 3,515.2 | 0.0 | 29,217,327.4 | | 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 | 428,175.9 | 272,765.4 | 586,641.4 | 449,065.0 | 38,609.7 | 33,572.4 | 108,766.5 | 0.0 | 451.3 | 0.0 | 1,918,047.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 142,499.1 | 127,117.3 | 182,062.7 | 108,351.0 | 54,324.7 | 24,231.2 | 938.2 | 0.0 | 8.0 | 0.0 | 639,532.2 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,330,584.4 | 5,894,223.1 | 1,336,351.3 | 3,211,326.9 | 0.0 | 398,000.2 | 871,410.0 | 731,364.2 | 8,155.8 | 864,069.6 | 17,645,485.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 101,757.7 | 184,462.5 | 109,898.7 | 91,198.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 487,317.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 886,076.1 | 1,511,637.4 | 187,682.3 | 453,812.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,039,207.8 | | Préstamos de Otras Instituciones Financieras del Exterior | 40,874.6 | 0.0 | 0.0 | 0.0 | 0.0 | 258,872.2 | 0.0 | 666,495.6 | 0.0 | 0.0 | 966,242.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,301,876.1 | 4,198,123.2 | 1,038,770.3 | 2,666,316.6 | 0.0 | 139,128.1 | 871,410.0 | 64,868.5 | 8,155.8 | 864,069.6 | 13,152,718.4 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 404,431.6 | 160,301.9 | 0.0 | 109,358.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 674,092.4 | | 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 | 172,256.7 | 416,465.6 | 158,023.0 | 48,806.6 | 63,958.0 | 22,156.3 | 12,041.0 | 32,274.2 | 1,796.4 | 9,768.6 | 937,546.2 | | Otros pasivos y provisiones | 392,250.2 | 692,840.9 | 500,132.9 | 157,949.3 | 177,419.8 | 81,631.1 | 45,814.7 | 36,908.5 | 4,581.4 | 22,618.8 | 2,112,147.6 | | Obligaciones subordinadas | 40,960.3 | 726,453.9 | 0.0 | 510,394.4 | 0.0 | 126,556.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,404,365.3 | | 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 | 5,052,613.4 | 4,615,531.2 | 5,202,730.6 | 1,570,169.1 | 962,540.3 | 413,573.0 | 273,016.8 | 214,611.1 | 498,167.2 | 133,020.7 | 18,935,973.4 | | 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 | 141,250.0 | 10,757,746.5 | | 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 | 14,870.0 | 121,900.0 | 0.0 | 364,770.8 | | Obligaciones convertibles en capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Ajustes al patrimonio | -50.7 | 4,782.5 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,531.8 | | 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 | 827,493.7 | 978,836.4 | 317,082.0 | 412,866.7 | -441,973.0 | 19,154.8 | 13,573.9 | -10,217.0 | -6,352.0 | 2,862,891.2 | | Resultados del Periodo | 539,960.6 | 539,734.7 | 518,499.1 | 142,695.7 | -9,110.3 | 37,292.4 | 19,613.7 | 13,027.4 | -16,215.8 | -1,877.4 | 1,783,620.0 | | Cuentas contingentes | 14,882,992.5 | 9,429,228.2 | 8,686,218.3 | 968,360.4 | 4,404,335.2 | 13,883.5 | 0.0 | 0.0 | 0.0 | 0.0 | 38,385,018.1 | | Cuentas de orden | 73,029,705.1 | 30,809,454.0 | 248,349,578.4 | 30,926,621.2 | 6,188,782.3 | 9,397,311.1 | 2,378,385.1 | 1,466,047.9 | 0.0 | 1,006,775.5 | 403,552,660.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2014 C$ 25.9521 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2015 C$ 27.2497 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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