| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 57,485,738.1 | 47,999,705.4 | 45,617,851.0 | 20,341,786.3 | 9,287,555.2 | 4,292,597.1 | 6,807,034.2 | 1,651,088.2 | 1,327,874.2 | 1,336,725.2 | 196,147,955.1 | | Disponibilidades | 14,191,043.2 | 8,371,157.5 | 11,948,134.3 | 3,697,079.1 | 1,798,880.6 | 716,823.5 | 5,569,087.9 | 118,997.4 | 191,280.3 | 69,023.5 | 46,671,507.3 | | Moneda Nacional | 4,691,910.6 | 2,648,326.6 | 3,482,643.9 | 810,406.9 | 328,335.0 | 142,659.5 | 1,296,410.4 | 67,081.5 | 35,797.4 | 20,529.8 | 13,524,101.5 | | Caja | 1,234,579.8 | 701,757.1 | 1,381,257.8 | 128,799.7 | 82,935.8 | 64,462.6 | 11,533.8 | 9,353.0 | 17,193.8 | 14,199.0 | 3,646,072.3 | | Banco Central de Nicaragua | 3,114,606.3 | 1,652,995.8 | 1,813,326.5 | 440,353.4 | 208,317.5 | 64,333.9 | 1,223,889.1 | 40,693.3 | 0.0 | 0.0 | 8,558,515.9 | | Depositos e Instituciones Financieras del Pais | 11,125.0 | 0.0 | 0.0 | 92,082.3 | 13,240.3 | 259.6 | 0.0 | 17,035.2 | 18,603.6 | 5,045.8 | 157,391.7 | | Otras disponibilidades | 331,599.5 | 293,573.7 | 288,059.6 | 149,171.5 | 23,841.4 | 13,603.4 | 60,987.6 | 0.0 | 0.0 | 1,285.0 | 1,162,121.6 | | | | | | | | | | | | | | | Moneda Extranjera | 9,499,132.6 | 5,722,830.9 | 8,465,490.4 | 2,886,672.3 | 1,470,545.7 | 574,164.0 | 4,272,677.5 | 51,915.9 | 155,482.9 | 48,493.7 | 33,147,405.8 | | Caja | 866,850.8 | 388,615.8 | 3,050,433.5 | 197,189.9 | 119,319.6 | 104,708.6 | 14,396.0 | 7,511.3 | 10,743.6 | 8,500.2 | 4,768,269.4 | | Banco Central de Nicaragua | 6,473,667.0 | 4,179,028.1 | 3,939,279.8 | 1,779,863.7 | 875,941.1 | 422,478.4 | 4,104,301.1 | 5,945.1 | 0.0 | 0.0 | 21,780,504.3 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 224,868.2 | 0.0 | 930.9 | 129,503.5 | 38,459.5 | 144,739.3 | 39,993.4 | 578,494.8 | | Depositos en Instituciones Financieras del exterior | 2,044,756.5 | 750,906.5 | 1,343,057.3 | 590,968.1 | 296,307.2 | 38,685.2 | 8,604.4 | 0.0 | 0.0 | 0.0 | 5,073,285.1 | | Otras disponibilidades | 113,858.3 | 404,280.4 | 132,719.8 | 93,782.4 | 178,977.8 | 7,361.0 | 15,872.5 | 0.0 | 0.0 | 0.0 | 946,852.2 | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,079,735.2 | 5,280,565.8 | 1,866,255.3 | 789,064.5 | 630,299.9 | 0.0 | 370,027.6 | 0.0 | 0.0 | 59,111.2 | 18,075,059.5 | | 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 | 1,902,391.0 | 3,229,204.3 | 1,866,255.3 | 73,802.1 | 630,299.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,701,952.6 | | Inversiones Mantenidas Hasta el Vencimiento | 7,177,344.2 | 2,051,361.5 | 0.0 | 715,262.5 | 0.0 | 0.0 | 370,027.6 | 0.0 | 0.0 | 59,111.2 | 10,373,106.9 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 33,341.0 | 0.0 | 0.0 | 88,616.3 | 0.0 | 0.0 | 310,963.9 | 0.0 | 0.0 | 0.0 | 432,921.3 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 32,687,830.0 | 32,526,581.6 | 30,831,687.5 | 15,407,861.2 | 6,566,206.3 | 3,236,002.5 | 423,973.3 | 1,421,442.5 | 1,066,092.9 | 1,124,222.6 | 125,291,900.3 | | Créditos vigentes | 32,045,862.2 | 31,712,485.9 | 30,885,185.2 | 15,155,424.6 | 6,559,616.7 | 3,193,574.8 | 424,792.5 | 1,413,677.8 | 1,038,040.3 | 1,094,033.5 | 123,522,693.5 | | Créditos prorrogados | 174,206.6 | 69,316.9 | 8,130.0 | 2,912.3 | 0.0 | 0.0 | 0.0 | 0.0 | 3,399.5 | 0.0 | 257,965.2 | | Créditos reestructurados | 449,293.9 | 724,140.8 | 82,230.1 | 256,670.6 | 47,139.4 | 83,181.4 | 0.0 | 9,060.2 | 11,246.6 | 0.0 | 1,662,962.9 | | Créditos vencidos | 174,345.2 | 147,915.2 | 182,843.4 | 107,804.3 | 80,596.9 | 18,906.9 | 0.0 | 13,695.1 | 12,704.6 | 12,629.9 | 751,441.5 | | Créditos en cobro judicial | 58,661.3 | 119,782.3 | 155,100.2 | 68,501.3 | 5,007.6 | 3,781.5 | 0.0 | 2,019.8 | 880.3 | 0.0 | 413,734.3 | | Intereses y Comisiones por Cobrar sobre Creditos | 506,103.6 | 489,090.8 | 267,331.3 | 147,487.9 | 83,084.0 | 50,752.1 | 3,503.9 | 26,851.6 | 29,140.9 | 48,066.5 | 1,651,412.5 | | Provisiones por incobrabilidad de cartera de creditos | -720,642.7 | -736,150.3 | -749,132.7 | -330,939.8 | -209,238.3 | -114,194.2 | -4,323.1 | -43,861.9 | -29,319.3 | -30,507.3 | -2,968,309.6 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 174,427.7 | 330,770.5 | 95,284.4 | 35,125.1 | 15,070.1 | 11,876.0 | 35,292.0 | 27,904.5 | 239.5 | 806.2 | 726,796.1 | | Bienes de uso, neto | 922,509.4 | 462,792.8 | 681,653.3 | 153,241.9 | 127,753.4 | 239,593.1 | 20,534.3 | 41,104.5 | 46,356.3 | 25,489.3 | 2,721,028.3 | | Bienes recibidos en recuperacion de creditos, neto | 15,907.8 | 177,601.6 | 8,065.1 | 17,752.3 | 0.0 | 633.5 | 0.0 | 2,946.7 | 453.0 | 918.6 | 224,278.6 | | Invesiones permanentes en acciones | 182,413.4 | 536,187.5 | 67,641.9 | 17,380.8 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 817,123.7 | | Otros activos neto | 198,530.4 | 314,048.1 | 119,129.2 | 135,665.0 | 142,594.9 | 80,918.5 | 77,155.2 | 38,692.7 | 23,452.2 | 57,153.9 | 1,187,340.1 | | Pasivo | 51,737,804.5 | 42,878,167.5 | 39,425,357.3 | 18,467,302.9 | 8,136,430.1 | 3,834,659.2 | 6,288,341.0 | 1,330,169.1 | 1,089,955.4 | 1,160,678.8 | 174,348,865.8 | | Obligaciones con el Público | 46,179,644.9 | 33,365,810.3 | 34,781,556.2 | 13,204,705.6 | 6,339,814.6 | 3,007,904.2 | 6,256,350.1 | 100,067.4 | 0.0 | 0.0 | 143,235,853.3 | | Moneda Nacional | 14,389,411.5 | 8,668,813.8 | 7,798,724.1 | 2,238,800.6 | 843,089.6 | 403,724.0 | 1,475,851.5 | 0.0 | 0.0 | 0.0 | 35,818,415.0 | | Depositos a la Vista | 6,742,848.4 | 4,959,119.5 | 5,263,562.5 | 373,138.7 | 398,011.9 | 174,518.7 | 836,837.8 | 0.0 | 0.0 | 0.0 | 18,748,037.5 | | Depositos de Ahorro | 6,412,273.8 | 3,137,369.4 | 2,185,692.7 | 1,621,166.4 | 154,269.8 | 188,398.0 | 572,387.0 | 0.0 | 0.0 | 0.0 | 14,271,557.1 | | Depositos a Plazo | 1,234,289.3 | 572,324.9 | 349,468.9 | 244,495.4 | 290,807.9 | 40,807.3 | 66,626.7 | 0.0 | 0.0 | 0.0 | 2,798,820.4 | | 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 | | | | | | | | | | | | | | | Moneda Extranjera | 31,167,098.3 | 24,139,054.0 | 26,323,554.4 | 10,325,834.4 | 5,403,039.6 | 2,532,196.5 | 4,774,337.7 | 0.0 | 0.0 | 0.0 | 104,665,114.8 | | Depositos a la Vista | 8,685,615.4 | 6,010,189.6 | 7,997,609.7 | 694,206.1 | 1,180,727.1 | 263,886.1 | 4,578,276.9 | 0.0 | 0.0 | 0.0 | 29,410,510.9 | | Depositos de Ahorro | 13,680,333.7 | 10,521,365.3 | 10,843,271.6 | 5,296,738.0 | 1,558,653.6 | 1,040,819.4 | 18,129.0 | 0.0 | 0.0 | 0.0 | 42,959,310.6 | | Depositos a Plazo | 8,801,149.1 | 7,607,499.1 | 7,482,673.1 | 4,334,890.3 | 2,663,658.8 | 1,227,491.0 | 177,931.8 | 0.0 | 0.0 | 0.0 | 32,295,293.4 | | 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 | 452,412.2 | 429,840.2 | 493,953.2 | 536,465.2 | 34,189.7 | 43,153.9 | 1,930.9 | 99,335.9 | 0.0 | 0.0 | 2,091,281.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 170,722.9 | 128,102.3 | 165,324.6 | 103,605.5 | 59,495.7 | 28,829.9 | 4,230.0 | 731.5 | 0.0 | 0.0 | 661,042.3 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,512,685.1 | 7,316,523.6 | 3,889,221.1 | 4,362,925.7 | 1,485,935.4 | 571,363.6 | 9,027.2 | 1,161,178.3 | 950,251.9 | 1,071,950.4 | 25,331,062.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 86,914.4 | 168,516.4 | 95,034.2 | 82,601.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 433,066.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 725,408.5 | 1,404,751.5 | 514,785.8 | 406,509.0 | 241,250.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,292,705.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 170,294.4 | 0.0 | 0.0 | 824,924.7 | 0.0 | 995,219.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,700,362.3 | 5,743,255.7 | 3,279,401.1 | 3,873,815.4 | 1,244,685.0 | 401,069.2 | 9,027.2 | 1,161,178.3 | 125,327.3 | 1,071,950.4 | 20,610,071.9 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 365,321.3 | 156,513.0 | 0.0 | 161,679.7 | 0.0 | 8,572.8 | 0.0 | 0.0 | 0.0 | 0.0 | 692,086.7 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 50,028.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 50,028.4 | | Otras cuentas por pagar | 185,351.1 | 356,193.9 | 208,693.4 | 44,759.2 | 64,075.0 | 29,069.9 | 2,211.1 | 12,863.5 | 36,352.2 | 22,924.8 | 962,494.1 | | Otros pasivos y provisiones | 473,374.4 | 695,424.0 | 545,886.5 | 196,212.3 | 196,576.7 | 89,112.5 | 20,752.7 | 56,059.8 | 45,535.9 | 36,240.8 | 2,355,175.7 | | Obligaciones subordinadas | 21,427.7 | 987,702.8 | 0.0 | 497,020.4 | 0.0 | 128,636.1 | 0.0 | 0.0 | 57,815.3 | 29,562.8 | 1,722,165.3 | | 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 | 5,747,933.6 | 5,121,537.9 | 6,192,493.7 | 1,874,483.4 | 1,151,125.1 | 457,937.9 | 518,693.2 | 320,919.2 | 237,918.9 | 176,046.4 | 21,799,089.2 | | Capital social pagado | 2,930,500.0 | 2,416,900.0 | 2,790,361.1 | 895,500.0 | 429,016.0 | 779,880.4 | 524,600.0 | 223,815.0 | 185,210.0 | 168,900.1 | 11,344,682.6 | | 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 | 0.0 | 0.0 | 0.0 | 0.0 | 0.8 | | 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 | 2,304.1 | -4,604.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,300.5 | | 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 | 384,054.0 | 415,558.9 | 455,380.4 | 111,776.0 | 19,288.1 | 17,113.2 | 2,958.8 | 19,545.2 | 11,442.7 | 5,599.3 | 1,442,716.7 | | Cuentas contingentes | 17,725,146.9 | 7,672,417.0 | 9,643,642.1 | 1,194,224.7 | 5,828,265.2 | 11,029.3 | 16,305.2 | 0.0 | 99,016.7 | 0.0 | 42,190,047.0 | | Cuentas de orden | 83,719,144.0 | 29,728,042.4 | 326,733,180.1 | 39,664,600.2 | 8,449,865.0 | 10,576,805.3 | 39,731,470.1 | 2,554,133.8 | 2,105,355.2 | 1,241,182.1 | 544,503,778.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2015 C$ 27.0285 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2016 C$ 28.3824 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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