| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 57,268,002.0 | 45,827,371.4 | 44,130,156.3 | 19,750,816.4 | 8,425,075.1 | 4,086,240.2 | 5,395,383.1 | 1,560,190.9 | 1,176,055.2 | 1,290,871.8 | 188,910,162.5 | | Disponibilidades | 15,134,076.0 | 7,385,153.1 | 11,286,579.0 | 3,905,020.2 | 1,719,226.2 | 629,457.5 | 4,364,929.4 | 95,438.3 | 81,649.6 | 43,191.0 | 44,644,720.4 | | Moneda Nacional | 6,496,991.1 | 2,288,867.6 | 3,163,436.3 | 797,453.1 | 538,807.1 | 132,834.1 | 2,269,423.7 | 77,872.7 | 27,856.9 | 30,821.1 | 15,824,363.7 | | Caja | 1,291,488.4 | 896,075.4 | 1,436,000.7 | 147,535.4 | 114,928.0 | 69,105.9 | 8,462.7 | 7,258.4 | 14,329.0 | 19,645.1 | 4,004,828.9 | | Banco Central de Nicaragua | 4,899,122.8 | 1,143,892.4 | 1,506,440.8 | 526,630.0 | 407,852.0 | 60,389.6 | 2,260,893.5 | 64,693.7 | 0.0 | 0.0 | 10,869,914.8 | | Depositos e Instituciones Financieras del Pais | 15,279.3 | 0.0 | 0.0 | 51,560.2 | 6,196.3 | 375.6 | 0.0 | 5,920.6 | 13,527.9 | 11,165.5 | 104,025.4 | | Otras disponibilidades | 291,100.6 | 248,899.8 | 220,994.8 | 71,727.5 | 9,830.8 | 2,963.0 | 67.5 | 0.0 | 0.0 | 10.6 | 845,594.6 | | | | | | | | | | | | | | | Moneda Extranjera | 8,637,084.9 | 5,096,285.5 | 8,123,142.7 | 3,107,567.2 | 1,180,419.1 | 496,623.4 | 2,095,505.7 | 17,565.7 | 53,792.7 | 12,369.9 | 28,820,356.6 | | Caja | 872,900.9 | 382,229.0 | 2,444,812.1 | 264,676.4 | 87,630.1 | 86,209.0 | 14,824.8 | 3,393.9 | 12,879.9 | 5,093.9 | 4,174,650.0 | | Banco Central de Nicaragua | 5,471,587.8 | 3,518,233.8 | 4,221,904.5 | 1,813,690.9 | 925,833.1 | 371,486.9 | 1,928,452.2 | 6,715.6 | 0.0 | 0.0 | 18,257,904.8 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 176,993.3 | 0.0 | 766.0 | 140,790.1 | 7,456.2 | 40,912.8 | 7,275.9 | 374,194.3 | | Depositos en Instituciones Financieras del exterior | 2,163,267.4 | 844,439.6 | 1,337,654.7 | 782,176.1 | 72,781.5 | 22,432.5 | 1,151.0 | 0.0 | 0.0 | 0.0 | 5,223,902.8 | | Otras disponibilidades | 129,328.8 | 351,383.1 | 118,771.3 | 70,030.6 | 94,174.5 | 15,728.9 | 10,287.6 | 0.0 | 0.0 | 0.0 | 789,704.8 | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,693,731.1 | 5,356,695.4 | 1,170,751.1 | 963,941.8 | 407,667.3 | 0.0 | 141,414.8 | 0.0 | 0.0 | 144,023.5 | 16,878,225.0 | | Inversiones al Valor Razonable con Cambios en Resultados | 106,508.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 106,508.8 | | Inversiones Disponibles para la Venta | 2,078,021.8 | 3,133,452.8 | 1,170,751.1 | 0.0 | 407,667.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,789,893.0 | | Inversiones Mantenidas Hasta el Vencimiento | 6,509,200.5 | 2,223,242.5 | 0.0 | 963,941.8 | 0.0 | 0.0 | 141,414.8 | 0.0 | 0.0 | 144,023.5 | 9,981,823.3 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 78,677.9 | 0.0 | 0.0 | 40,283.4 | 0.0 | 0.0 | 491,476.1 | 0.0 | 0.0 | 0.0 | 610,437.4 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 31,939,437.1 | 30,943,999.8 | 30,699,418.7 | 14,490,629.0 | 5,998,291.1 | 3,113,668.2 | 288,164.0 | 1,362,837.5 | 1,024,703.5 | 1,022,607.4 | 120,883,756.2 | | Créditos vigentes | 31,435,037.1 | 30,165,656.7 | 30,715,752.8 | 14,260,181.4 | 5,987,994.4 | 3,057,908.3 | 289,601.6 | 1,352,920.3 | 995,459.2 | 978,196.7 | 119,238,708.5 | | Créditos prorrogados | 39,877.2 | 75,740.7 | 3,978.7 | 5,483.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,136.2 | 0.0 | 127,216.6 | | Créditos reestructurados | 405,968.1 | 705,175.9 | 88,396.0 | 238,047.9 | 42,737.6 | 78,943.3 | 0.0 | 10,123.0 | 9,204.2 | 203.7 | 1,578,799.7 | | Créditos vencidos | 194,599.1 | 87,618.2 | 168,266.1 | 83,147.2 | 90,147.0 | 24,686.1 | 0.0 | 13,724.7 | 10,956.0 | 9,993.5 | 683,137.9 | | Créditos en cobro judicial | 60,873.9 | 124,608.9 | 166,613.9 | 75,854.1 | 4,947.9 | 2,088.1 | 0.0 | 2,675.4 | 2,252.8 | 0.0 | 439,915.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 504,149.7 | 471,011.5 | 313,052.0 | 147,428.6 | 78,461.9 | 56,364.0 | 1,479.2 | 26,706.2 | 32,717.7 | 58,339.8 | 1,689,710.7 | | Provisiones por incobrabilidad de cartera de creditos | -701,068.1 | -685,812.0 | -756,640.9 | -319,514.0 | -205,997.7 | -106,321.6 | -2,916.9 | -43,312.1 | -28,022.8 | -24,126.2 | -2,873,732.2 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 131,845.2 | 289,084.6 | 116,508.5 | 49,144.1 | 15,876.7 | 7,872.3 | 4,122.0 | 38,900.9 | 2,324.3 | 550.3 | 656,229.0 | | Bienes de uso, neto | 844,273.9 | 410,985.3 | 653,637.2 | 129,209.8 | 121,624.0 | 244,859.0 | 21,875.5 | 23,154.4 | 46,872.9 | 24,344.1 | 2,520,836.1 | | Bienes recibidos en recuperacion de creditos, neto | 17,051.4 | 178,469.9 | 8,090.7 | 16,288.3 | 11.2 | 678.9 | 0.0 | 2,549.5 | 0.0 | 0.0 | 223,139.7 | | Invesiones permanentes en acciones | 182,413.4 | 536,187.5 | 67,261.0 | 16,562.1 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 815,924.0 | | Otros activos neto | 246,496.1 | 726,795.8 | 127,910.0 | 139,737.7 | 155,628.8 | 82,954.3 | 83,401.4 | 37,310.3 | 20,505.0 | 56,155.3 | 1,676,894.6 | | Pasivo | 51,812,898.5 | 40,857,998.2 | 38,272,801.5 | 17,957,214.1 | 7,269,202.6 | 3,641,934.8 | 4,882,362.4 | 1,253,122.2 | 946,595.2 | 1,116,346.5 | 168,010,476.0 | | Obligaciones con el Público | 45,898,480.3 | 31,266,103.4 | 34,062,322.5 | 13,743,867.2 | 6,635,151.2 | 2,879,458.0 | 4,862,352.2 | 111,973.4 | 0.0 | 0.0 | 139,459,708.3 | | Moneda Nacional | 14,643,123.3 | 7,913,085.4 | 8,278,935.5 | 2,150,009.9 | 923,494.6 | 394,572.8 | 2,559,404.2 | 0.0 | 0.0 | 0.0 | 36,862,625.7 | | Depositos a la Vista | 7,709,187.4 | 4,420,179.3 | 5,566,867.3 | 442,243.2 | 402,346.5 | 178,372.2 | 2,533,103.4 | 0.0 | 0.0 | 0.0 | 21,252,299.1 | | Depositos de Ahorro | 6,083,705.3 | 3,022,748.8 | 2,356,260.4 | 1,478,949.7 | 212,208.1 | 180,154.0 | 26,100.8 | 0.0 | 0.0 | 0.0 | 13,360,127.1 | | Depositos a Plazo | 850,230.5 | 470,157.3 | 355,807.8 | 228,817.1 | 308,940.1 | 36,046.7 | 200.0 | 0.0 | 0.0 | 0.0 | 2,250,199.5 | | 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 | 30,715,259.9 | 22,912,859.8 | 25,318,123.3 | 10,949,521.3 | 5,613,548.0 | 2,421,387.7 | 2,278,025.4 | 0.0 | 0.0 | 0.0 | 100,208,725.3 | | Depositos a la Vista | 8,867,161.8 | 5,607,968.3 | 7,507,116.0 | 667,419.1 | 1,170,975.7 | 235,316.8 | 2,088,977.7 | 0.0 | 0.0 | 0.0 | 26,144,935.5 | | Depositos de Ahorro | 12,926,922.6 | 10,031,163.7 | 10,500,999.4 | 5,407,638.6 | 1,462,079.4 | 1,019,589.4 | 18,097.3 | 0.0 | 0.0 | 0.0 | 41,366,490.4 | | Depositos a Plazo | 8,921,175.5 | 7,273,727.9 | 7,310,007.9 | 4,874,463.6 | 2,980,492.8 | 1,166,481.5 | 170,950.3 | 0.0 | 0.0 | 0.0 | 32,697,299.5 | | 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 | | | | | | | | | | | | | | | Otras obligaciones | 372,485.8 | 314,178.9 | 311,318.9 | 520,498.1 | 30,020.6 | 38,082.1 | 23,529.7 | 111,109.4 | 0.0 | 0.0 | 1,721,223.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 167,611.4 | 125,979.3 | 153,944.8 | 123,837.9 | 68,088.0 | 25,415.4 | 1,392.9 | 864.0 | 0.0 | 0.0 | 667,133.7 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,922,269.1 | 6,946,140.8 | 3,465,071.0 | 3,337,279.0 | 240,165.0 | 502,981.1 | 8,761.7 | 1,068,775.6 | 817,679.3 | 1,047,937.4 | 22,357,059.8 | | Préstamos de la Financiera Nicaraguense de Inversiones | 88,591.3 | 174,927.1 | 98,746.0 | 85,311.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 447,575.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 771,630.1 | 1,432,751.6 | 517,059.4 | 513,292.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,234,733.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 276,236.6 | 0.0 | 0.0 | 0.0 | 0.0 | 168,263.4 | 0.0 | 0.0 | 714,380.4 | 0.0 | 1,158,880.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,785,811.0 | 5,338,462.1 | 2,849,265.6 | 2,738,675.3 | 240,165.0 | 334,717.7 | 8,761.7 | 1,068,775.6 | 103,298.9 | 1,047,937.4 | 17,515,870.3 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 389,043.7 | 180,353.5 | 0.0 | 160,540.2 | 0.0 | 8,361.0 | 0.0 | 0.0 | 0.0 | 0.0 | 738,298.4 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 167,351.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 167,351.9 | | Otras cuentas por pagar | 155,415.9 | 772,733.4 | 234,198.7 | 44,627.3 | 69,299.4 | 38,203.4 | 2,819.2 | 21,425.5 | 31,077.0 | 11,800.8 | 1,381,600.6 | | Otros pasivos y provisiones | 419,460.2 | 714,843.0 | 511,209.3 | 162,088.9 | 157,235.1 | 82,355.8 | 8,429.4 | 50,947.7 | 39,212.0 | 28,158.7 | 2,173,940.0 | | Obligaciones subordinadas | 28,229.2 | 977,824.2 | 0.0 | 508,811.5 | 0.0 | 130,575.5 | 0.0 | 0.0 | 58,626.9 | 28,449.6 | 1,732,517.0 | | 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 | 5,455,103.5 | 4,969,373.2 | 5,857,354.8 | 1,793,602.4 | 1,155,872.5 | 444,305.4 | 513,020.7 | 307,068.7 | 229,460.0 | 174,525.3 | 20,899,686.5 | | 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 | -205.3 | 9,327.8 | -5,012.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,109.7 | | Reservas patrimoniales | 999,454.5 | 826,619.7 | 1,072,977.0 | 330,676.4 | 265,919.0 | 48,054.6 | 0.0 | 17,628.9 | 6,533.7 | 1,380.8 | 3,569,244.6 | | Resultados acumulados de ejercicios anteriores | 1,433,925.1 | 1,610,154.5 | 1,878,379.9 | 536,531.0 | 453,299.2 | -387,110.5 | -3,990.9 | 59,930.0 | 34,732.5 | 1,472.6 | 5,617,323.4 | | Resultados del Periodo | 91,429.2 | 106,370.6 | 120,649.7 | 30,895.0 | 7,638.3 | 3,480.7 | -7,588.4 | 5,694.8 | 2,983.8 | 2,771.8 | 364,325.4 | | Cuentas contingentes | 18,327,011.2 | 11,025,332.5 | 9,719,189.3 | 1,102,208.9 | 5,275,080.0 | 8,007.1 | 0.0 | 0.0 | 47,583.5 | 0.0 | 45,504,412.4 | | Cuentas de orden | 82,337,978.5 | 29,429,203.8 | 292,596,360.0 | 37,869,300.0 | 7,497,491.6 | 10,159,000.6 | 37,543,796.8 | 2,456,388.0 | 1,952,592.7 | 1,543,430.5 | 503,385,542.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2015 C$ 26.7088 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2016 C$ 28.0439 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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