| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 57,671,613.6 | 46,493,854.0 | 44,977,821.4 | 19,964,382.5 | 8,785,462.2 | 4,207,304.5 | 5,075,407.1 | 1,588,181.5 | 1,259,273.8 | 1,305,767.2 | 191,329,067.8 | | Disponibilidades | 15,484,019.8 | 7,669,624.6 | 11,897,873.7 | 3,723,746.0 | 1,763,088.6 | 703,873.7 | 3,939,575.1 | 91,834.3 | 145,309.1 | 94,948.1 | 45,513,893.1 | | Moneda Nacional | 5,355,062.2 | 2,414,466.5 | 3,206,954.2 | 983,457.3 | 304,569.7 | 154,395.7 | 2,633,636.9 | 74,694.8 | 29,939.3 | 38,132.1 | 15,195,308.8 | | Caja | 1,412,837.8 | 891,833.9 | 1,697,531.0 | 169,650.1 | 98,382.1 | 71,654.5 | 8,835.7 | 9,893.5 | 20,614.9 | 16,448.2 | 4,397,681.7 | | Banco Central de Nicaragua | 3,816,122.2 | 1,377,219.6 | 1,318,700.0 | 465,622.2 | 196,161.2 | 77,321.8 | 2,623,488.8 | 42,693.6 | 0.0 | 0.0 | 9,917,329.4 | | Depositos e Instituciones Financieras del Pais | 19,549.8 | 514.6 | 0.0 | 292,165.9 | 5,262.4 | 453.7 | 0.0 | 22,107.7 | 9,324.4 | 21,647.6 | 371,026.1 | | Otras disponibilidades | 106,552.4 | 144,898.5 | 190,723.2 | 56,019.1 | 4,764.0 | 4,965.7 | 1,312.3 | 0.0 | 0.0 | 36.3 | 509,271.6 | | | | | | | | | | | | | | | Moneda Extranjera | 10,128,957.6 | 5,255,158.1 | 8,690,919.5 | 2,740,288.7 | 1,458,518.9 | 549,478.0 | 1,305,938.2 | 17,139.5 | 115,369.8 | 56,816.0 | 30,318,584.3 | | Caja | 886,343.9 | 374,028.8 | 2,687,558.0 | 245,991.1 | 98,961.7 | 93,508.9 | 16,921.5 | 5,302.7 | 14,443.2 | 6,612.8 | 4,429,672.6 | | Banco Central de Nicaragua | 6,400,965.9 | 3,808,393.0 | 4,954,381.3 | 1,797,999.2 | 992,406.0 | 441,312.1 | 1,096,001.6 | 6,741.6 | 0.0 | 0.0 | 19,498,200.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 11,612.2 | 0.0 | 1,408.3 | 141,820.2 | 5,095.2 | 100,926.5 | 50,203.2 | 311,065.6 | | Depositos en Instituciones Financieras del exterior | 2,722,643.6 | 718,755.3 | 919,458.1 | 620,496.8 | 227,276.5 | 9,880.6 | 41,276.1 | 0.0 | 0.0 | 0.0 | 5,259,787.1 | | Otras disponibilidades | 119,004.2 | 353,980.9 | 129,522.2 | 64,189.4 | 139,874.7 | 3,368.2 | 9,918.8 | 0.0 | 0.0 | 0.0 | 819,858.4 | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,911,611.9 | 5,125,303.5 | 1,449,244.3 | 860,687.4 | 606,695.6 | 0.0 | 170,074.9 | 0.0 | 0.0 | 100,623.0 | 17,224,240.8 | | 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 | 2,777,648.6 | 2,886,717.9 | 1,449,244.3 | 149,225.8 | 606,695.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,869,532.2 | | Inversiones Mantenidas Hasta el Vencimiento | 6,133,963.4 | 2,238,585.7 | 0.0 | 711,461.6 | 0.0 | 0.0 | 170,074.9 | 0.0 | 0.0 | 100,623.0 | 9,354,708.5 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 35,824.6 | 0.0 | 0.0 | 40,802.9 | 0.0 | 0.0 | 511,647.1 | 0.0 | 0.0 | 0.0 | 588,274.7 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 31,798,096.7 | 31,572,663.8 | 30,658,577.8 | 14,985,609.8 | 6,106,398.2 | 3,161,529.7 | 317,733.4 | 1,385,249.7 | 1,043,535.9 | 1,027,874.7 | 122,057,269.7 | | Créditos vigentes | 31,153,311.2 | 30,756,530.8 | 30,683,770.3 | 14,764,131.8 | 6,095,952.3 | 3,113,923.9 | 319,063.1 | 1,377,991.1 | 1,014,369.3 | 993,297.0 | 120,272,340.9 | | Créditos prorrogados | 186,999.8 | 67,472.3 | 3,994.1 | 7,111.6 | 0.0 | 0.0 | 0.0 | 0.0 | 3,084.0 | 0.0 | 268,661.8 | | Créditos reestructurados | 441,975.4 | 708,861.3 | 80,829.3 | 243,885.8 | 47,219.9 | 78,580.1 | 0.0 | 9,174.7 | 9,935.2 | 0.0 | 1,620,461.6 | | Créditos vencidos | 178,055.2 | 135,257.8 | 156,762.3 | 91,049.4 | 74,678.5 | 26,646.5 | 0.0 | 14,158.9 | 11,268.1 | 11,669.6 | 699,546.5 | | Créditos en cobro judicial | 58,696.8 | 122,930.8 | 156,787.1 | 64,243.8 | 4,967.1 | 1,904.6 | 0.0 | 2,031.0 | 1,293.9 | 0.0 | 412,855.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 485,139.9 | 485,542.6 | 320,199.4 | 136,827.5 | 84,137.5 | 52,366.1 | 1,893.3 | 25,541.4 | 32,018.4 | 47,987.4 | 1,671,653.4 | | Provisiones por incobrabilidad de cartera de creditos | -706,081.6 | -703,931.9 | -743,764.7 | -321,640.0 | -200,557.1 | -111,891.6 | -3,222.9 | -43,647.5 | -28,433.1 | -25,079.3 | -2,888,249.7 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 138,349.2 | 304,525.4 | 83,578.9 | 33,730.4 | 31,912.9 | 10,442.2 | 17,973.4 | 28,993.2 | 385.0 | 695.8 | 650,586.4 | | Bienes de uso, neto | 920,773.0 | 420,300.2 | 678,757.7 | 148,961.5 | 124,326.6 | 242,949.2 | 21,315.9 | 40,993.0 | 46,518.6 | 24,902.3 | 2,669,798.2 | | Bienes recibidos en recuperacion de creditos, neto | 17,149.3 | 168,067.2 | 8,222.5 | 19,126.3 | 0.0 | 633.5 | 0.0 | 2,893.4 | 453.0 | 0.0 | 216,545.3 | | Invesiones permanentes en acciones | 182,413.4 | 536,187.5 | 67,601.0 | 17,010.5 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 816,712.4 | | Otros activos neto | 183,375.7 | 697,181.6 | 133,965.4 | 134,707.5 | 146,290.2 | 81,126.1 | 97,087.2 | 38,217.9 | 23,072.2 | 56,723.3 | 1,591,747.1 | | Pasivo | 52,120,999.2 | 41,583,712.0 | 39,006,270.7 | 18,148,920.2 | 7,624,208.7 | 3,761,903.9 | 4,559,439.1 | 1,277,158.0 | 1,027,052.4 | 1,131,746.1 | 170,241,410.4 | | Obligaciones con el Público | 46,216,315.6 | 32,833,578.8 | 34,575,523.2 | 13,895,057.2 | 6,913,183.8 | 2,950,943.5 | 4,511,975.5 | 112,235.1 | 0.0 | 0.0 | 142,008,812.6 | | Moneda Nacional | 13,974,223.0 | 8,313,719.3 | 8,235,046.2 | 2,274,983.1 | 1,003,539.3 | 400,077.1 | 2,763,072.3 | 0.0 | 0.0 | 0.0 | 36,964,660.4 | | Depositos a la Vista | 6,458,268.3 | 4,602,483.6 | 5,483,099.6 | 463,719.9 | 453,039.9 | 178,428.0 | 2,411,423.6 | 0.0 | 0.0 | 0.0 | 20,050,463.0 | | Depositos de Ahorro | 6,468,641.7 | 3,217,515.1 | 2,341,729.9 | 1,581,887.3 | 237,396.4 | 184,579.4 | 286,283.1 | 0.0 | 0.0 | 0.0 | 14,318,032.9 | | Depositos a Plazo | 1,047,312.9 | 493,720.7 | 410,216.7 | 229,375.9 | 313,103.0 | 37,069.6 | 65,365.6 | 0.0 | 0.0 | 0.0 | 2,596,164.5 | | 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 | 31,597,994.2 | 24,075,169.4 | 25,797,435.3 | 10,979,670.4 | 5,822,177.2 | 2,497,811.0 | 1,741,026.7 | 0.0 | 0.0 | 0.0 | 102,511,284.2 | | Depositos a la Vista | 9,401,930.4 | 6,008,269.7 | 7,686,270.6 | 780,806.0 | 1,189,704.9 | 264,594.8 | 1,551,617.5 | 0.0 | 0.0 | 0.0 | 26,883,193.8 | | Depositos de Ahorro | 13,283,233.2 | 10,380,013.6 | 10,616,353.0 | 5,397,516.9 | 1,533,934.6 | 1,040,892.8 | 17,796.3 | 0.0 | 0.0 | 0.0 | 42,269,740.4 | | Depositos a Plazo | 8,912,830.6 | 7,686,886.1 | 7,494,811.8 | 4,801,347.6 | 3,098,537.7 | 1,192,323.4 | 171,612.9 | 0.0 | 0.0 | 0.0 | 33,358,350.1 | | 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 | 484,100.6 | 329,761.0 | 384,498.1 | 516,297.2 | 39,343.6 | 27,258.3 | 5,630.8 | 111,430.1 | 0.0 | 0.0 | 1,898,319.7 | | Cargos financieros por pagar sobre obligaciones con el Público | 159,997.7 | 114,929.1 | 158,543.6 | 124,106.4 | 48,123.6 | 25,797.1 | 2,245.7 | 805.0 | 0.0 | 0.0 | 634,548.3 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,879,402.7 | 6,160,306.4 | 3,680,758.0 | 3,371,713.5 | 241,688.5 | 556,556.2 | 8,848.5 | 1,099,507.9 | 895,780.7 | 1,058,270.4 | 21,952,832.8 | | Préstamos de la Financiera Nicaraguense de Inversiones | 87,935.1 | 174,078.4 | 95,895.5 | 84,409.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 442,318.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 760,475.1 | 1,428,928.0 | 512,377.3 | 477,450.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,179,231.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 277,307.3 | 0.0 | 0.0 | 0.0 | 0.0 | 168,915.6 | 0.0 | 0.0 | 773,107.8 | 0.0 | 1,219,330.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,753,685.1 | 4,557,300.1 | 3,072,485.1 | 2,809,853.6 | 241,688.5 | 387,640.6 | 8,848.5 | 1,099,507.9 | 122,673.0 | 1,058,270.4 | 17,111,952.8 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 388,598.7 | 181,781.8 | 0.0 | 161,833.7 | 0.0 | 8,428.9 | 0.0 | 0.0 | 0.0 | 0.0 | 740,643.0 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 241,359.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 241,359.9 | | Otras cuentas por pagar | 177,166.6 | 683,436.1 | 234,272.8 | 38,679.9 | 56,618.2 | 29,668.5 | 1,772.1 | 11,202.1 | 33,045.1 | 14,809.2 | 1,280,670.6 | | Otros pasivos y provisiones | 431,064.5 | 738,677.9 | 515,716.7 | 168,058.5 | 171,358.4 | 84,408.9 | 36,843.0 | 54,212.9 | 41,857.3 | 29,860.7 | 2,272,058.7 | | Obligaciones subordinadas | 28,451.1 | 985,931.0 | 0.0 | 513,577.5 | 0.0 | 131,898.1 | 0.0 | 0.0 | 56,369.3 | 28,805.9 | 1,745,032.9 | | 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 | 5,550,614.4 | 4,910,142.0 | 5,971,550.6 | 1,815,462.2 | 1,161,253.5 | 445,400.6 | 515,968.1 | 311,023.5 | 232,221.4 | 174,021.1 | 21,087,657.3 | | 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 | 185,210.0 | 168,900.1 | 11,222,782.6 | | 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 | 0.0 | 0.0 | 121,900.8 | | 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 | -379.0 | -1,111.7 | -1,864.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -3,354.8 | | 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 | 1,184.8 | 3,569,048.7 | | Resultados acumulados de ejercicios anteriores | 1,433,925.1 | 1,460,154.5 | 1,878,379.9 | 536,531.0 | 453,299.2 | -387,110.5 | -8,865.6 | 59,930.0 | 34,732.5 | 362.1 | 5,461,338.2 | | Resultados del Periodo | 187,113.8 | 207,578.9 | 231,696.7 | 52,754.8 | 13,019.2 | 4,575.8 | 233.7 | 9,649.6 | 5,745.2 | 3,574.0 | 715,941.8 | | Cuentas contingentes | 18,639,538.9 | 7,114,759.9 | 9,419,177.6 | 1,129,065.0 | 5,475,046.1 | 8,539.6 | 0.0 | 0.0 | 51,141.1 | 0.0 | 41,837,268.3 | | Cuentas de orden | 82,712,281.9 | 28,780,538.4 | 303,435,150.4 | 39,226,652.9 | 7,733,159.1 | 10,342,129.5 | 38,259,354.0 | 2,565,759.7 | 2,017,096.0 | 1,419,163.7 | 516,491,285.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2015 C$ 26.8090 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 29 DE FEBRERO DE 2016 C$ 28.1526 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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