| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 54,248,782.7 | 46,136,449.9 | 44,293,268.4 | 19,290,054.6 | 8,154,145.6 | 4,090,395.2 | 5,727,886.8 | 1,550,838.7 | 1,176,769.4 | 1,347,090.5 | 186,015,681.7 | | Disponibilidades | 12,724,211.6 | 7,246,109.3 | 11,448,468.0 | 3,352,450.3 | 1,352,472.5 | 648,064.0 | 4,994,288.9 | 99,386.2 | 86,677.8 | 78,628.6 | 42,030,757.1 | | Moneda Nacional | 4,921,916.5 | 2,403,407.8 | 3,658,736.1 | 629,083.7 | 299,021.6 | 162,497.5 | 2,851,635.6 | 65,041.3 | 23,926.3 | 32,796.1 | 15,048,062.7 | | Caja | 1,267,115.5 | 804,394.3 | 1,624,686.6 | 194,995.3 | 87,771.4 | 59,311.4 | 10,209.9 | 5,051.0 | 10,353.9 | 14,738.1 | 4,078,627.5 | | Banco Central de Nicaragua | 3,647,211.2 | 1,593,972.4 | 2,033,843.5 | 420,054.4 | 202,499.0 | 101,801.3 | 2,841,425.8 | 43,693.9 | 0.0 | 0.0 | 10,884,501.4 | | Depositos e Instituciones Financieras del Pais | 3,357.9 | 0.0 | 0.0 | 14,029.8 | 8,751.2 | 1,134.5 | 0.0 | 16,296.4 | 13,572.4 | 18,051.5 | 75,193.7 | | Otras disponibilidades | 4,231.9 | 5,041.0 | 206.1 | 4.3 | 0.0 | 250.4 | 0.0 | 0.0 | 0.0 | 6.5 | 9,740.1 | | | | | | | | | | | | | | | Moneda Extranjera | 7,802,295.1 | 4,842,701.4 | 7,789,731.9 | 2,723,366.6 | 1,053,450.8 | 485,566.5 | 2,142,653.3 | 34,344.9 | 62,751.4 | 45,832.5 | 26,982,694.4 | | Caja | 766,356.0 | 397,858.3 | 1,634,995.5 | 179,220.3 | 93,613.3 | 68,848.3 | 9,726.2 | 2,550.7 | 7,483.6 | 4,089.2 | 3,164,741.4 | | Banco Central de Nicaragua | 5,233,326.2 | 3,218,769.2 | 4,941,402.6 | 1,894,196.5 | 779,084.6 | 392,008.3 | 1,974,551.4 | 6,687.9 | 0.0 | 0.0 | 18,440,026.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 176,138.4 | 0.0 | 145.4 | 139,675.9 | 25,106.3 | 55,267.9 | 41,743.3 | 438,077.2 | | Depositos en Instituciones Financieras del exterior | 1,761,326.2 | 1,028,488.5 | 1,196,146.7 | 435,408.9 | 113,725.0 | 21,771.6 | 18,699.7 | 0.0 | 0.0 | 0.0 | 4,575,566.8 | | Otras disponibilidades | 41,286.6 | 197,585.4 | 17,187.0 | 38,402.5 | 67,027.9 | 2,792.8 | 0.0 | 0.0 | 0.0 | 0.0 | 364,282.3 | | | | | | | | | | | | | | | Inversiones en valores, neto | 7,552,565.0 | 5,218,816.3 | 1,144,495.8 | 953,299.1 | 547,730.4 | 0.0 | 1,193.2 | 0.0 | 0.0 | 142,973.8 | 15,561,073.6 | | Inversiones al Valor Razonable con Cambios en Resultados | 108,479.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 108,479.2 | | Inversiones Disponibles para la Venta | 959,028.2 | 2,591,873.8 | 1,144,495.8 | 0.0 | 547,730.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,243,128.3 | | Inversiones Mantenidas Hasta el Vencimiento | 6,485,057.6 | 2,626,942.4 | 0.0 | 953,299.1 | 0.0 | 0.0 | 1,193.2 | 0.0 | 0.0 | 142,973.8 | 10,209,466.1 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 641,336.9 | 633,569.5 | 0.0 | 31,359.4 | 0.0 | 0.0 | 300,940.1 | 0.0 | 0.0 | 0.0 | 1,607,205.9 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 31,899,390.3 | 30,978,601.4 | 30,753,327.1 | 14,611,510.1 | 5,966,464.0 | 3,111,034.2 | 261,779.2 | 1,356,334.4 | 1,026,846.1 | 1,045,200.3 | 121,010,487.1 | | Créditos vigentes | 31,443,448.3 | 30,180,324.3 | 30,811,012.4 | 14,387,216.3 | 5,958,945.4 | 3,060,790.0 | 263,055.2 | 1,345,271.0 | 995,524.8 | 988,631.7 | 119,434,219.4 | | Créditos prorrogados | 7,117.0 | 65,113.4 | 610.9 | 5,461.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,380.3 | 0.0 | 80,682.6 | | Créditos reestructurados | 396,023.3 | 721,721.5 | 93,287.9 | 234,151.5 | 41,602.9 | 74,217.2 | 0.0 | 9,771.7 | 8,987.5 | 208.7 | 1,579,972.2 | | Créditos vencidos | 185,479.1 | 89,580.7 | 158,658.5 | 77,525.3 | 93,241.3 | 21,106.1 | 0.0 | 13,163.6 | 10,886.4 | 9,620.1 | 659,261.1 | | Créditos en cobro judicial | 66,599.6 | 134,774.3 | 158,800.5 | 78,806.5 | 4,927.5 | 3,250.1 | 0.0 | 2,235.7 | 2,243.5 | 0.0 | 451,637.8 | | Intereses y Comisiones por Cobrar sobre Creditos | 474,537.5 | 454,452.4 | 294,421.6 | 145,643.0 | 73,348.4 | 56,967.2 | 1,368.2 | 27,236.7 | 34,916.4 | 70,574.4 | 1,633,465.7 | | Provisiones por incobrabilidad de cartera de creditos | -673,814.4 | -667,365.2 | -763,464.7 | -317,293.6 | -205,601.5 | -105,296.3 | -2,644.2 | -41,344.4 | -28,092.8 | -23,834.5 | -2,828,751.7 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 173,385.1 | 313,292.7 | 96,638.1 | 47,197.3 | 19,785.4 | 7,670.0 | 65,545.9 | 35,338.1 | 508.7 | 1,676.5 | 761,037.8 | | Bienes de uso, neto | 818,858.9 | 369,355.1 | 659,806.0 | 128,064.8 | 119,313.1 | 246,665.1 | 22,417.7 | 23,497.3 | 46,834.7 | 23,361.0 | 2,458,173.7 | | Bienes recibidos en recuperacion de creditos, neto | 17,864.5 | 168,597.3 | 7,865.7 | 16,621.7 | 11.2 | 630.3 | 0.0 | 2,660.7 | 0.0 | 0.0 | 214,251.4 | | Invesiones permanentes en acciones | 182,413.4 | 536,187.5 | 66,741.1 | 16,562.1 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 815,404.1 | | Otros activos neto | 238,757.0 | 671,920.9 | 115,926.6 | 132,990.0 | 141,618.9 | 69,581.5 | 81,721.8 | 33,622.0 | 15,902.2 | 55,250.2 | 1,557,291.0 | | Pasivo | 48,885,304.0 | 41,299,119.2 | 38,551,895.0 | 17,527,347.2 | 7,005,911.4 | 3,649,570.5 | 5,207,277.7 | 1,249,464.8 | 950,293.3 | 1,173,840.3 | 165,500,023.3 | | Obligaciones con el Público | 42,797,807.4 | 31,321,183.0 | 34,346,276.5 | 13,449,047.2 | 6,359,289.0 | 2,809,689.0 | 5,178,683.1 | 111,732.1 | 0.0 | 0.0 | 136,373,707.2 | | Moneda Nacional | 12,481,681.9 | 7,707,263.0 | 8,471,503.2 | 1,979,471.5 | 789,327.5 | 395,866.6 | 2,905,324.1 | 0.0 | 0.0 | 0.0 | 34,730,437.7 | | Depositos a la Vista | 5,944,347.2 | 4,263,012.5 | 5,400,669.2 | 411,183.7 | 294,801.2 | 182,154.8 | 2,901,137.9 | 0.0 | 0.0 | 0.0 | 19,397,306.5 | | Depositos de Ahorro | 5,747,729.2 | 3,007,145.4 | 2,741,188.2 | 1,341,601.8 | 198,134.0 | 178,932.5 | 4,186.2 | 0.0 | 0.0 | 0.0 | 13,218,917.3 | | Depositos a Plazo | 789,605.4 | 437,105.1 | 329,645.7 | 226,685.9 | 296,392.3 | 34,779.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,114,213.8 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | | | | | | | | | | | | | | Moneda Extranjera | 29,783,857.3 | 23,172,577.2 | 24,977,163.8 | 10,886,860.2 | 5,465,162.0 | 2,364,231.6 | 2,255,774.1 | 0.0 | 0.0 | 0.0 | 98,905,626.3 | | Depositos a la Vista | 7,890,274.8 | 6,382,942.7 | 7,370,406.8 | 685,824.2 | 1,133,940.5 | 236,337.0 | 2,075,810.6 | 0.0 | 0.0 | 0.0 | 25,775,536.5 | | Depositos de Ahorro | 12,857,087.7 | 9,969,288.3 | 10,285,602.1 | 5,407,759.9 | 1,453,197.8 | 994,170.2 | 9,983.1 | 0.0 | 0.0 | 0.0 | 40,977,089.2 | | Depositos a Plazo | 9,036,494.8 | 6,820,346.3 | 7,321,155.0 | 4,793,276.2 | 2,878,023.7 | 1,133,724.4 | 169,980.3 | 0.0 | 0.0 | 0.0 | 32,153,000.6 | | 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 | 362,175.6 | 316,913.1 | 745,647.6 | 464,312.4 | 30,351.8 | 21,821.1 | 16,917.2 | 110,768.4 | 0.0 | 0.0 | 2,068,907.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 170,092.6 | 124,429.6 | 151,961.9 | 118,403.1 | 74,447.6 | 27,769.6 | 667.7 | 963.7 | 0.0 | 0.0 | 668,735.9 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,004,831.3 | 7,027,136.0 | 3,465,660.3 | 3,262,427.9 | 238,546.8 | 597,866.2 | 8,673.2 | 1,076,131.8 | 827,692.9 | 1,110,430.8 | 22,619,397.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 90,331.5 | 176,957.5 | 99,286.9 | 86,175.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 452,751.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 800,110.3 | 1,445,086.5 | 514,928.0 | 579,666.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,339,791.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 275,097.9 | 0.0 | 0.0 | 0.0 | 0.0 | 195,498.1 | 0.0 | 0.0 | 718,786.5 | 0.0 | 1,189,382.5 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,839,291.6 | 5,405,092.0 | 2,851,445.3 | 2,596,585.9 | 238,546.8 | 402,368.1 | 8,673.2 | 1,076,131.8 | 108,906.4 | 1,110,430.8 | 17,637,472.0 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 448,857.9 | 179,067.9 | 0.0 | 110,599.7 | 0.0 | 8,289.0 | 0.0 | 0.0 | 0.0 | 0.0 | 746,814.5 | | Operaciones con Reportos y Valores Derivados | 0.0 | 431,008.0 | 0.0 | 0.0 | 200,731.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 631,739.7 | | Otras cuentas por pagar | 176,701.6 | 738,255.7 | 241,920.9 | 49,421.2 | 70,031.6 | 23,217.2 | 13,412.5 | 12,590.5 | 28,095.8 | 10,771.7 | 1,364,418.8 | | Otros pasivos y provisiones | 429,112.1 | 633,255.5 | 498,037.3 | 152,099.7 | 137,312.3 | 81,337.6 | 6,508.9 | 49,010.4 | 36,612.3 | 24,566.5 | 2,047,852.6 | | Obligaciones subordinadas | 27,993.7 | 969,213.0 | 0.0 | 503,751.5 | 0.0 | 129,171.5 | 0.0 | 0.0 | 57,892.3 | 28,071.4 | 1,716,093.3 | | 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 | 5,363,478.7 | 4,837,330.7 | 5,741,373.4 | 1,762,707.4 | 1,148,234.2 | 440,824.7 | 520,609.1 | 301,373.9 | 226,476.2 | 173,250.1 | 20,515,658.5 | | Capital social pagado | 2,930,500.0 | 2,416,900.0 | 2,790,361.1 | 895,500.0 | 429,016.0 | 779,880.4 | 402,700.0 | 223,815.0 | 170,340.0 | 168,900.1 | 11,207,912.6 | | 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 | -400.9 | -16,344.1 | -344.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -17,089.6 | | Reservas patrimoniales | 999,454.5 | 826,619.7 | 914,234.0 | 330,676.4 | 258,783.9 | 38,373.0 | 0.0 | 10,433.3 | 6,533.7 | 0.0 | 3,385,108.5 | | Resultados acumulados de ejercicios anteriores | 302,749.1 | 497,493.7 | 978,836.4 | 201,296.9 | 412,866.7 | -441,973.0 | -7,822.7 | 19,154.8 | 9,840.1 | -6,352.0 | 1,966,090.1 | | Resultados del Periodo | 1,131,176.0 | 1,112,660.8 | 1,058,286.4 | 335,234.0 | 47,567.6 | 64,544.1 | 3,831.9 | 47,970.9 | 24,892.4 | 10,702.0 | 3,836,866.1 | | Cuentas contingentes | 18,345,108.2 | 10,889,568.0 | 9,185,789.4 | 1,088,281.3 | 5,125,938.1 | 5,919.8 | 16,522.4 | 0.0 | 44,014.7 | 0.0 | 44,701,141.9 | | Cuentas de orden | 81,275,546.7 | 30,394,911.7 | 286,509,299.7 | 37,328,010.1 | 7,018,194.2 | 10,081,749.9 | 36,492,479.7 | 2,454,876.0 | 1,931,964.1 | 1,645,980.1 | 495,133,012.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2014 C$ 26.5984 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2015 C$ 27.9283 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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