| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 54,658,933.7 | 46,449,840.2 | 41,918,467.5 | 18,783,347.8 | 7,734,991.5 | 4,059,209.9 | 3,406,747.2 | 1,502,665.7 | 1,149,205.6 | 1,244,878.6 | 180,908,287.7 | | Disponibilidades | 12,688,999.9 | 7,941,649.1 | 10,328,578.2 | 3,326,346.6 | 1,408,955.7 | 711,555.7 | 2,821,958.7 | 98,493.0 | 90,452.2 | 28,464.6 | 39,445,453.7 | | Moneda Nacional | 4,977,217.4 | 2,263,288.7 | 2,899,875.9 | 916,250.9 | 337,140.4 | 238,423.1 | 445,758.0 | 48,765.8 | 26,825.0 | 18,271.2 | 12,171,816.5 | | Caja | 1,327,596.9 | 780,398.1 | 1,516,752.8 | 127,614.7 | 103,859.4 | 106,172.8 | 12,349.1 | 8,173.0 | 21,514.9 | 13,291.4 | 4,017,722.9 | | Banco Central de Nicaragua | 3,435,529.8 | 1,244,798.1 | 1,161,697.0 | 477,934.0 | 221,379.2 | 126,842.4 | 432,008.1 | 30,444.2 | 0.0 | 0.0 | 7,130,632.8 | | Depositos e Instituciones Financieras del Pais | 23,192.7 | 0.0 | 0.0 | 232,317.5 | 4,947.8 | 817.4 | 0.0 | 10,148.7 | 5,310.0 | 4,955.0 | 281,689.1 | | Otras disponibilidades | 190,898.0 | 238,092.6 | 221,426.2 | 78,384.7 | 6,954.1 | 4,590.4 | 1,400.8 | 0.0 | 0.0 | 24.8 | 741,771.7 | | | | | | | | | | | | | | | Moneda Extranjera | 7,711,782.5 | 5,678,360.4 | 7,428,702.3 | 2,410,095.7 | 1,071,815.3 | 473,132.6 | 2,376,200.7 | 49,727.2 | 63,627.2 | 10,193.4 | 27,273,637.2 | | Caja | 785,087.0 | 333,083.2 | 1,941,950.6 | 188,852.9 | 92,573.8 | 91,805.1 | 8,802.8 | 3,772.4 | 13,888.4 | 6,700.3 | 3,466,516.5 | | Banco Central de Nicaragua | 4,867,691.8 | 4,278,623.3 | 4,241,012.3 | 1,746,042.8 | 770,700.5 | 359,255.1 | 2,178,529.2 | 6,341.3 | 0.0 | 0.0 | 18,448,196.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 21,074.2 | 0.0 | 310.7 | 0.0 | 39,613.4 | 49,738.7 | 3,493.1 | 114,230.2 | | Depositos en Instituciones Financieras del exterior | 1,719,223.4 | 668,854.4 | 1,081,659.8 | 332,046.1 | 109,955.0 | 15,833.3 | 67,218.7 | 0.0 | 0.0 | 0.0 | 3,994,790.7 | | Otras disponibilidades | 339,780.3 | 397,799.4 | 164,079.5 | 122,079.8 | 98,586.0 | 5,928.3 | 121,650.1 | 0.0 | 0.0 | 0.0 | 1,249,903.4 | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,335,584.0 | 7,117,234.3 | 1,147,106.9 | 932,689.7 | 678,314.0 | 0.0 | 56,559.7 | 0.0 | 0.0 | 141,097.0 | 19,408,585.5 | | Inversiones al Valor Razonable con Cambios en Resultados | 659,615.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 659,615.7 | | Inversiones Disponibles para la Venta | 2,068,864.0 | 4,134,198.7 | 1,147,106.9 | 0.0 | 678,314.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,028,483.6 | | Inversiones Mantenidas Hasta el Vencimiento | 6,607,104.3 | 2,983,035.6 | 0.0 | 932,689.7 | 0.0 | 0.0 | 56,559.7 | 0.0 | 0.0 | 141,097.0 | 10,720,486.3 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 48,415.2 | 0.0 | 0.0 | 106,319.7 | 0.0 | 0.0 | 105,106.9 | 0.0 | 0.0 | 0.0 | 259,841.7 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 31,233,204.6 | 29,411,673.1 | 29,524,413.7 | 14,073,478.9 | 5,367,787.8 | 3,011,921.2 | 309,940.3 | 1,309,583.5 | 982,723.3 | 990,042.3 | 116,214,768.5 | | Créditos vigentes | 30,600,588.7 | 28,644,805.4 | 29,504,883.0 | 13,867,607.7 | 5,351,989.1 | 2,973,986.7 | 312,319.6 | 1,301,173.5 | 954,925.5 | 941,057.7 | 114,453,336.9 | | Créditos prorrogados | 216,947.5 | 10,591.8 | 3,367.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,981.5 | 0.0 | 232,888.3 | | Créditos reestructurados | 420,443.2 | 766,947.6 | 116,238.3 | 225,024.9 | 42,763.8 | 67,413.5 | 0.0 | 8,219.3 | 8,290.6 | 0.0 | 1,655,341.2 | | Créditos vencidos | 141,262.7 | 80,520.5 | 206,151.8 | 86,859.0 | 100,118.4 | 19,719.4 | 0.0 | 12,409.0 | 11,110.6 | 8,985.3 | 667,136.8 | | Créditos en cobro judicial | 60,568.4 | 171,584.8 | 138,141.6 | 74,284.4 | 4,887.5 | 3,159.8 | 0.0 | 2,436.9 | 0.0 | 0.0 | 455,063.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 461,219.7 | 408,000.3 | 267,377.6 | 136,186.7 | 74,460.6 | 50,728.4 | 751.4 | 25,290.4 | 32,409.9 | 62,020.5 | 1,518,445.6 | | Provisiones por incobrabilidad de cartera de creditos | -667,825.7 | -670,777.6 | -711,746.1 | -316,483.8 | -206,431.5 | -103,086.6 | -3,130.7 | -39,945.7 | -25,994.9 | -22,021.1 | -2,767,443.8 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 245,595.2 | 321,607.3 | 88,728.7 | 43,161.6 | 19,123.9 | 8,522.9 | 5,369.9 | 34,619.8 | 2,606.6 | 3,494.7 | 772,830.7 | | Bienes de uso, neto | 802,320.0 | 359,550.1 | 656,806.3 | 129,322.1 | 114,329.5 | 249,541.9 | 24,369.1 | 23,526.2 | 46,813.3 | 23,479.2 | 2,430,057.8 | | Bienes recibidos en recuperacion de creditos, neto | 20,546.2 | 127,745.1 | 8,952.7 | 17,590.8 | 11.2 | 630.3 | 0.0 | 2,081.6 | 0.0 | 0.0 | 177,558.0 | | Invesiones permanentes en acciones | 167,202.2 | 536,187.5 | 65,573.4 | 15,997.4 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 798,460.6 | | Otros activos neto | 117,066.4 | 634,193.6 | 98,307.7 | 138,441.2 | 139,719.3 | 70,287.8 | 83,442.7 | 34,361.6 | 26,610.2 | 58,300.8 | 1,400,731.3 | | Pasivo | 49,403,898.1 | 41,749,359.9 | 36,368,037.9 | 17,090,764.7 | 6,614,527.9 | 3,628,147.5 | 2,934,426.9 | 1,212,257.0 | 927,651.7 | 1,076,168.6 | 161,005,240.2 | | Obligaciones con el Público | 43,666,693.6 | 32,900,871.9 | 32,835,462.3 | 13,090,123.6 | 6,210,166.7 | 2,849,468.4 | 2,903,130.6 | 109,035.2 | 0.0 | 0.0 | 134,564,952.2 | | Moneda Nacional | 12,570,378.2 | 8,185,221.2 | 7,438,602.0 | 2,025,352.7 | 997,163.6 | 481,040.9 | 424,371.1 | 0.0 | 0.0 | 0.0 | 32,122,129.7 | | Depositos a la Vista | 5,894,730.0 | 4,703,605.8 | 5,013,683.9 | 520,989.5 | 620,471.7 | 244,577.5 | 420,487.2 | 0.0 | 0.0 | 0.0 | 17,418,545.7 | | Depositos de Ahorro | 5,581,181.2 | 2,896,376.0 | 2,088,928.6 | 1,380,025.5 | 188,605.5 | 200,230.3 | 3,374.1 | 0.0 | 0.0 | 0.0 | 12,338,721.2 | | Depositos a Plazo | 1,094,467.1 | 585,239.4 | 335,989.4 | 124,337.7 | 188,086.4 | 36,233.1 | 509.8 | 0.0 | 0.0 | 0.0 | 2,364,862.9 | | 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 | 30,598,061.0 | 24,232,756.8 | 24,832,596.5 | 10,447,081.0 | 5,117,075.0 | 2,303,769.1 | 2,176,151.5 | 0.0 | 0.0 | 0.0 | 99,707,490.9 | | Depositos a la Vista | 8,670,510.4 | 7,242,501.8 | 7,440,310.9 | 733,994.3 | 1,071,057.1 | 232,335.9 | 2,159,742.0 | 0.0 | 0.0 | 0.0 | 27,550,452.5 | | Depositos de Ahorro | 12,652,449.2 | 9,845,531.7 | 9,897,600.7 | 5,185,200.4 | 1,461,543.0 | 985,782.8 | 10,445.1 | 0.0 | 0.0 | 0.0 | 40,038,553.0 | | Depositos a Plazo | 9,275,101.4 | 7,144,723.3 | 7,494,684.9 | 4,527,886.3 | 2,584,474.8 | 1,085,650.4 | 5,964.4 | 0.0 | 0.0 | 0.0 | 32,118,485.4 | | 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 | 330,277.2 | 337,731.7 | 421,292.4 | 504,002.3 | 33,748.5 | 37,411.4 | 302,548.9 | 108,187.9 | 0.0 | 0.0 | 2,075,200.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 167,977.1 | 145,162.2 | 142,971.3 | 113,687.5 | 62,179.6 | 27,247.0 | 59.1 | 847.3 | 0.0 | 0.0 | 660,131.1 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,676,368.7 | 6,325,167.4 | 2,783,460.6 | 3,149,795.7 | 83,209.0 | 530,304.9 | 8,498.8 | 1,035,047.5 | 792,689.0 | 1,037,095.1 | 20,421,636.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 91,376.1 | 187,291.6 | 101,855.5 | 87,883.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 468,406.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 816,353.0 | 1,467,141.9 | 519,056.9 | 569,844.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,372,396.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 272,863.9 | 0.0 | 0.0 | 0.0 | 0.0 | 166,209.0 | 0.0 | 0.0 | 668,225.9 | 0.0 | 1,107,298.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,495,775.8 | 4,670,733.9 | 2,162,548.3 | 2,492,067.6 | 83,209.0 | 364,095.9 | 8,498.8 | 1,035,047.5 | 124,463.1 | 1,037,095.1 | 15,473,535.0 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 440,176.6 | 162,917.2 | 0.0 | 112,095.5 | 0.0 | 6,552.9 | 0.0 | 0.0 | 0.0 | 0.0 | 721,742.2 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 65,065.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 65,065.7 | | Otras cuentas por pagar | 155,530.3 | 579,632.5 | 172,891.5 | 48,423.3 | 44,133.0 | 21,379.8 | 1,485.7 | 14,876.5 | 37,337.7 | 9,446.2 | 1,085,136.4 | | Otros pasivos y provisiones | 430,285.8 | 764,001.4 | 576,223.5 | 185,739.4 | 211,953.5 | 88,379.2 | 21,311.8 | 53,297.7 | 41,165.2 | 29,627.3 | 2,401,984.9 | | Obligaciones subordinadas | 34,843.1 | 1,016,769.4 | 0.0 | 504,587.2 | 0.0 | 132,062.3 | 0.0 | 0.0 | 56,459.9 | 0.0 | 1,744,721.9 | | 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 | 5,255,035.6 | 4,700,480.3 | 5,550,429.6 | 1,692,583.1 | 1,120,463.6 | 431,062.4 | 472,320.3 | 290,408.8 | 221,553.9 | 168,710.0 | 19,903,047.5 | | Capital social pagado | 2,930,500.0 | 2,416,900.0 | 2,790,361.1 | 830,000.0 | 429,016.0 | 779,880.4 | 402,700.0 | 223,815.0 | 170,340.0 | 168,900.1 | 11,142,412.6 | | 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 | 121,900.0 | 0.0 | 14,870.0 | 0.0 | 136,770.8 | | 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 | -3.6 | -23,574.3 | -7,711.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -31,289.4 | | Reservas patrimoniales | 829,778.1 | 826,619.7 | 914,234.0 | 280,391.3 | 258,783.9 | 38,373.0 | 0.0 | 10,433.3 | 2,799.8 | 0.0 | 3,161,413.1 | | Resultados acumulados de ejercicios anteriores | 588,555.3 | 562,493.7 | 978,836.4 | 317,082.0 | 412,866.7 | -441,973.0 | -7,822.7 | 19,154.8 | 13,573.9 | -6,352.0 | 2,436,415.2 | | Resultados del Periodo | 906,205.7 | 918,040.6 | 874,709.5 | 265,109.7 | 19,797.0 | 54,781.7 | -44,457.0 | 37,005.7 | 19,970.1 | 6,161.9 | 3,057,325.1 | | Cuentas contingentes | 17,558,279.8 | 10,657,604.7 | 8,691,419.7 | 1,058,768.0 | 4,888,050.5 | 12,334.2 | 183,660.9 | 0.0 | 31,889.8 | 0.0 | 43,082,007.7 | | Cuentas de orden | 78,486,879.1 | 30,863,541.2 | 269,674,930.0 | 36,542,540.9 | 7,173,381.9 | 9,881,531.6 | 34,419,618.1 | 2,449,879.9 | 1,875,162.5 | 1,736,755.1 | 473,104,220.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2014 C$ 26.3824 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2015 C$ 27.7015 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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