| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 56,780,657.8 | 48,657,585.3 | 45,568,969.2 | 20,200,115.0 | 9,074,432.4 | 4,300,402.9 | 6,041,734.3 | 1,600,030.8 | 1,210,396.2 | 1,242,976.8 | 194,677,300.8 | | Disponibilidades | 14,011,530.3 | 9,604,553.2 | 12,890,000.0 | 3,705,094.9 | 1,844,240.0 | 752,954.3 | 4,755,296.9 | 94,596.8 | 91,640.2 | 33,293.5 | 47,783,200.1 | | Moneda Nacional | 3,861,094.1 | 3,176,446.6 | 3,359,739.6 | 777,976.7 | 278,198.6 | 164,343.1 | 977,844.9 | 74,721.6 | 43,407.2 | 24,208.5 | 12,737,980.9 | | Caja | 1,560,732.1 | 1,146,054.9 | 1,828,316.9 | 175,261.0 | 98,573.8 | 76,589.5 | 15,767.3 | 11,344.3 | 19,305.8 | 19,662.7 | 4,951,608.4 | | Banco Central de Nicaragua | 2,076,333.2 | 1,847,161.5 | 1,397,963.7 | 398,299.1 | 162,637.0 | 85,342.9 | 961,694.5 | 46,693.5 | 0.0 | 0.0 | 6,976,125.5 | | Depositos e Instituciones Financieras del Pais | 31,109.5 | 10.0 | 0.0 | 165,730.3 | 12,202.8 | 698.6 | 0.0 | 16,683.9 | 24,101.3 | 4,543.3 | 255,079.9 | | Otras disponibilidades | 192,919.3 | 183,220.2 | 133,458.9 | 38,686.3 | 4,785.0 | 1,712.0 | 383.1 | 0.0 | 0.0 | 2.5 | 555,167.2 | | | | | | | | | | | | | | | Moneda Extranjera | 10,150,436.2 | 6,428,106.6 | 9,530,260.4 | 2,927,118.2 | 1,566,041.4 | 588,611.2 | 3,777,452.0 | 19,875.2 | 48,233.0 | 9,085.0 | 35,045,219.1 | | Caja | 1,047,084.1 | 498,958.6 | 2,887,828.3 | 179,254.2 | 111,413.1 | 119,534.7 | 26,077.2 | 8,520.4 | 12,601.0 | 5,776.8 | 4,897,048.6 | | Banco Central de Nicaragua | 6,730,242.1 | 4,472,814.3 | 4,699,488.4 | 2,111,715.5 | 999,148.2 | 432,592.0 | 3,603,825.3 | 5,921.4 | 0.0 | 0.0 | 23,055,747.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 153,228.1 | 0.0 | 2,318.1 | 142,788.1 | 5,433.3 | 35,632.0 | 3,308.2 | 342,707.8 | | Depositos en Instituciones Financieras del exterior | 2,276,351.5 | 1,124,904.9 | 1,841,002.3 | 393,733.8 | 346,491.2 | 19,743.9 | 2,985.1 | 0.0 | 0.0 | 0.0 | 6,005,212.7 | | Otras disponibilidades | 96,758.4 | 331,428.8 | 101,941.4 | 89,186.5 | 108,989.0 | 14,422.5 | 1,776.3 | 0.0 | 0.0 | 0.0 | 744,502.9 | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,627,100.9 | 5,287,965.7 | 1,581,634.2 | 820,765.1 | 606,916.1 | 0.0 | 368,678.0 | 0.0 | 0.0 | 58,677.7 | 17,351,737.7 | | 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 | 2,171,530.3 | 3,170,361.5 | 1,581,634.2 | 113,087.4 | 606,916.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,643,529.4 | | Inversiones Mantenidas Hasta el Vencimiento | 6,455,570.6 | 2,117,604.2 | 0.0 | 707,677.7 | 0.0 | 0.0 | 368,678.0 | 0.0 | 0.0 | 58,677.7 | 9,708,208.3 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 39,696.4 | 0.0 | 0.0 | 123,482.7 | 0.0 | 0.0 | 432,337.3 | 0.0 | 0.0 | 0.0 | 595,516.4 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 32,655,019.0 | 31,953,753.1 | 30,127,626.7 | 15,199,946.0 | 6,339,478.9 | 3,209,890.5 | 367,204.3 | 1,399,221.1 | 1,048,679.8 | 1,069,685.8 | 123,370,505.3 | | Créditos vigentes | 31,980,896.0 | 31,144,848.5 | 30,172,922.1 | 14,955,741.8 | 6,339,206.1 | 3,161,206.9 | 368,267.6 | 1,389,885.0 | 1,022,144.5 | 1,036,296.1 | 121,571,414.6 | | Créditos prorrogados | 173,161.3 | 66,661.1 | 4,010.6 | 2,900.6 | 0.0 | 0.0 | 0.0 | 0.0 | 3,304.8 | 0.0 | 250,038.5 | | Créditos reestructurados | 495,538.9 | 724,348.5 | 80,099.7 | 254,956.7 | 43,712.4 | 81,765.6 | 0.0 | 9,029.8 | 9,680.8 | 0.0 | 1,699,132.5 | | Créditos vencidos | 168,770.9 | 138,504.1 | 176,799.0 | 99,491.9 | 78,918.0 | 20,794.2 | 0.0 | 14,003.2 | 11,881.4 | 12,526.6 | 721,689.4 | | Créditos en cobro judicial | 61,452.7 | 123,451.7 | 156,123.6 | 67,076.7 | 4,987.6 | 4,002.7 | 0.0 | 2,210.8 | 978.4 | 0.0 | 420,284.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 491,008.8 | 470,697.7 | 284,110.7 | 147,806.3 | 79,175.1 | 53,527.3 | 2,659.3 | 28,032.3 | 29,643.2 | 47,040.1 | 1,633,700.9 | | Provisiones por incobrabilidad de cartera de creditos | -715,809.8 | -714,758.5 | -746,439.1 | -328,028.0 | -206,520.4 | -111,406.2 | -3,722.6 | -43,940.0 | -28,953.2 | -26,177.0 | -2,925,754.8 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 152,046.4 | 380,111.6 | 111,025.9 | 34,891.4 | 21,943.1 | 10,147.4 | 23,868.9 | 24,589.6 | 268.2 | 623.8 | 759,516.5 | | Bienes de uso, neto | 915,833.0 | 435,455.0 | 657,139.6 | 148,489.3 | 125,712.5 | 240,752.2 | 20,893.2 | 40,652.9 | 46,500.5 | 25,653.4 | 2,657,081.6 | | Bienes recibidos en recuperacion de creditos, neto | 16,900.9 | 175,572.9 | 8,409.6 | 19,079.8 | 0.0 | 633.5 | 0.0 | 2,829.6 | 453.0 | 174.6 | 224,053.9 | | Invesiones permanentes en acciones | 182,413.4 | 536,187.5 | 67,617.4 | 17,179.9 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 816,898.3 | | Otros activos neto | 180,117.5 | 283,986.4 | 125,515.7 | 131,185.9 | 129,391.8 | 79,275.0 | 73,455.6 | 38,140.7 | 22,854.4 | 54,867.9 | 1,118,791.0 | | Pasivo | 51,128,299.9 | 43,639,310.7 | 39,482,621.0 | 18,356,257.8 | 7,927,186.2 | 3,846,030.5 | 5,525,089.6 | 1,283,875.7 | 975,401.3 | 1,067,225.9 | 173,231,298.8 | | Obligaciones con el Público | 45,280,813.3 | 34,439,108.7 | 34,761,769.0 | 14,079,642.0 | 6,941,495.7 | 3,012,307.6 | 5,505,072.0 | 99,950.6 | 0.0 | 0.0 | 144,120,158.8 | | Moneda Nacional | 14,144,640.8 | 9,150,028.6 | 8,322,932.4 | 2,305,281.1 | 945,270.8 | 392,059.8 | 1,529,931.8 | 0.0 | 0.0 | 0.0 | 36,790,145.4 | | Depositos a la Vista | 6,917,229.6 | 5,579,001.3 | 5,667,110.7 | 442,898.1 | 415,033.5 | 170,691.8 | 1,176,793.1 | 0.0 | 0.0 | 0.0 | 20,368,758.1 | | Depositos de Ahorro | 6,024,906.9 | 3,073,151.7 | 2,294,657.6 | 1,622,875.1 | 210,300.4 | 181,732.9 | 287,503.1 | 0.0 | 0.0 | 0.0 | 13,695,127.7 | | Depositos a Plazo | 1,202,504.4 | 497,875.6 | 361,164.1 | 239,507.9 | 319,936.9 | 39,635.1 | 65,635.6 | 0.0 | 0.0 | 0.0 | 2,726,259.5 | | 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 | 30,622,068.9 | 24,680,530.6 | 25,811,644.5 | 11,138,672.1 | 5,894,692.2 | 2,548,117.1 | 3,971,000.8 | 0.0 | 0.0 | 0.0 | 104,666,726.2 | | Depositos a la Vista | 8,012,432.4 | 6,668,519.2 | 7,778,466.9 | 701,404.5 | 1,213,808.7 | 264,814.4 | 3,776,117.5 | 0.0 | 0.0 | 0.0 | 28,415,563.5 | | Depositos de Ahorro | 13,457,479.6 | 10,350,089.5 | 10,552,456.3 | 5,461,794.3 | 1,543,690.1 | 1,069,526.5 | 17,661.7 | 0.0 | 0.0 | 0.0 | 42,452,698.0 | | Depositos a Plazo | 9,152,157.0 | 7,661,922.0 | 7,480,721.3 | 4,975,473.3 | 3,137,193.5 | 1,213,776.2 | 177,221.6 | 0.0 | 0.0 | 0.0 | 33,798,464.8 | | 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 | | | | | | | | | | | | | | | Otras obligaciones | 344,062.7 | 485,408.4 | 464,751.0 | 514,689.3 | 51,456.7 | 44,331.1 | 882.9 | 99,052.7 | 0.0 | 0.0 | 2,004,634.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 170,040.8 | 123,141.0 | 162,441.1 | 120,999.5 | 50,075.9 | 27,799.6 | 3,256.5 | 897.9 | 0.0 | 0.0 | 658,652.4 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,789,901.4 | 6,970,211.7 | 3,969,102.8 | 3,384,849.8 | 469,506.0 | 577,680.0 | 8,938.1 | 1,117,605.9 | 839,542.9 | 992,580.3 | 23,119,918.8 | | Préstamos de la Financiera Nicaraguense de Inversiones | 87,419.7 | 173,228.0 | 95,630.7 | 83,491.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 439,769.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 754,560.0 | 1,417,783.6 | 512,730.8 | 483,399.3 | 84,807.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,253,281.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 221,916.7 | 0.0 | 0.0 | 0.0 | 0.0 | 169,614.6 | 0.0 | 0.0 | 713,600.8 | 0.0 | 1,105,132.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,726,005.0 | 5,379,200.1 | 3,360,741.2 | 2,817,959.1 | 384,698.7 | 408,065.4 | 8,938.1 | 1,117,605.9 | 125,942.1 | 992,580.3 | 18,321,735.8 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 390,416.1 | 183,317.0 | 0.0 | 163,225.7 | 0.0 | 8,501.8 | 0.0 | 0.0 | 0.0 | 0.0 | 745,460.6 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 282,739.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 282,739.0 | | Otras cuentas por pagar | 201,669.7 | 315,547.3 | 219,245.4 | 44,070.6 | 63,294.7 | 28,662.9 | 1,327.4 | 12,440.1 | 33,789.1 | 12,509.8 | 932,557.1 | | Otros pasivos y provisiones | 444,246.8 | 736,481.6 | 532,503.8 | 176,680.6 | 170,150.9 | 85,558.1 | 9,752.1 | 53,879.1 | 44,967.6 | 32,946.6 | 2,287,167.3 | | Obligaciones subordinadas | 21,252.6 | 994,644.5 | 0.0 | 507,789.1 | 0.0 | 133,320.2 | 0.0 | 0.0 | 57,101.6 | 29,189.2 | 1,743,297.2 | | 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 | 5,652,357.9 | 5,018,274.6 | 6,086,348.2 | 1,843,857.3 | 1,147,246.2 | 454,372.4 | 516,644.6 | 316,155.1 | 234,994.9 | 175,750.9 | 21,446,002.0 | | 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 | 0.0 | 497.5 | -4,612.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -4,114.6 | | Reservas patrimoniales | 999,454.5 | 826,619.7 | 1,072,977.0 | 330,676.4 | 263,459.5 | 48,054.6 | 0.0 | 17,628.9 | 6,533.7 | 1,184.8 | 3,566,589.1 | | Resultados acumulados de ejercicios anteriores | 1,433,925.1 | 1,460,154.5 | 1,878,379.9 | 536,531.0 | 439,361.5 | -387,110.5 | -8,865.6 | 59,930.0 | 34,732.5 | 362.1 | 5,447,400.5 | | Resultados del Periodo | 288,478.3 | 314,102.3 | 349,242.4 | 81,149.9 | 15,409.2 | 13,547.6 | 910.3 | 14,781.2 | 8,518.7 | 5,303.8 | 1,091,443.6 | | Cuentas contingentes | 17,577,817.7 | 7,613,359.1 | 9,776,528.7 | 1,159,187.3 | 5,658,912.5 | 10,626.7 | 0.0 | 0.0 | 88,693.7 | 0.0 | 41,885,125.8 | | Cuentas de orden | 82,935,100.6 | 28,997,506.0 | 319,303,555.1 | 40,486,475.2 | 8,117,854.6 | 10,455,040.1 | 38,821,828.5 | 2,560,885.5 | 2,055,859.2 | 1,316,609.4 | 535,050,714.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2015 C$ 26.9203 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2016 C$ 28.2691 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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