| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 56,933,207.4 | 47,915,605.1 | 45,140,243.2 | 20,511,353.3 | 9,653,412.0 | 4,330,587.6 | 7,252,628.1 | 1,689,208.1 | 1,335,736.0 | 1,547,999.1 | 648,474.7 | 196,958,454.6 | | Disponibilidades | 13,241,086.3 | 7,731,366.5 | 10,057,840.0 | 3,771,919.5 | 1,533,628.3 | 705,877.6 | 5,596,961.4 | 125,809.8 | 166,329.0 | 123,228.3 | 370,287.4 | 43,424,334.0 | | Moneda Nacional | 4,390,494.0 | 2,433,033.3 | 2,829,607.4 | 609,246.1 | 285,464.7 | 161,145.3 | 1,498,719.7 | 85,183.0 | 27,216.9 | 29,094.3 | 162,145.3 | 12,511,350.0 | | Caja | 1,397,612.8 | 968,925.2 | 1,621,841.6 | 203,884.3 | 109,689.1 | 81,621.4 | 12,729.0 | 12,157.8 | 19,296.3 | 19,050.5 | 50,535.0 | 4,497,342.9 | | Banco Central de Nicaragua | 2,884,749.9 | 1,268,290.9 | 1,032,105.1 | 332,852.8 | 161,085.8 | 69,827.5 | 1,368,527.3 | 59,693.2 | 0.0 | 0.0 | 44,000.0 | 7,221,132.5 | | Depositos e Instituciones Financieras del Pais | 11,411.4 | 54.4 | 0.0 | 10,992.0 | 3,023.8 | 261.7 | 0.0 | 13,332.0 | 7,920.6 | 10,006.2 | 67,610.3 | 124,612.4 | | Otras disponibilidades | 96,719.8 | 195,762.9 | 175,660.7 | 61,516.9 | 11,666.0 | 9,434.7 | 117,463.4 | 0.0 | 0.0 | 37.7 | 0.0 | 668,262.2 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,850,592.3 | 5,298,333.2 | 7,228,232.6 | 3,162,673.4 | 1,248,163.6 | 544,732.3 | 4,098,241.7 | 40,626.7 | 139,112.1 | 94,134.0 | 208,142.1 | 30,912,984.0 | | Caja | 820,488.0 | 420,662.0 | 2,377,623.7 | 191,355.5 | 97,195.9 | 130,725.2 | 16,904.6 | 8,079.8 | 10,851.1 | 8,629.6 | 23,846.5 | 4,106,361.9 | | Banco Central de Nicaragua | 5,742,343.1 | 3,794,536.3 | 4,125,008.2 | 2,006,789.7 | 686,234.0 | 385,715.9 | 3,937,438.0 | 6,539.8 | 0.0 | 0.0 | 0.0 | 20,684,605.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 283,395.6 | 0.0 | 1,767.3 | 130,387.5 | 26,007.2 | 128,261.0 | 85,504.4 | 184,295.7 | 839,618.6 | | Depositos en Instituciones Financieras del exterior | 2,200,705.7 | 770,699.6 | 643,670.3 | 604,966.0 | 344,818.3 | 22,580.0 | 4,591.6 | 0.0 | 0.0 | 0.0 | 0.0 | 4,592,031.5 | | Otras disponibilidades | 87,055.5 | 312,435.3 | 81,930.3 | 76,166.7 | 119,915.4 | 3,943.8 | 8,919.9 | 0.0 | 0.0 | 0.0 | 0.0 | 690,366.9 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,431,623.9 | 5,361,218.0 | 2,155,999.6 | 750,584.5 | 764,585.4 | 0.0 | 571,151.7 | 0.0 | 0.0 | 142,790.0 | 39.5 | 19,177,992.5 | | 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 | 0.0 | | Inversiones Disponibles para la Venta | 2,126,745.8 | 3,290,495.9 | 2,155,999.6 | 27,397.7 | 764,585.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,365,224.4 | | Inversiones Mantenidas Hasta el Vencimiento | 7,304,878.1 | 2,070,722.1 | 0.0 | 723,186.8 | 0.0 | 0.0 | 571,151.7 | 0.0 | 0.0 | 142,790.0 | 39.5 | 10,812,768.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 29,637.8 | 0.0 | 0.0 | 68,774.7 | 0.0 | 0.0 | 496,970.0 | 0.0 | 0.0 | 5,722.3 | 0.0 | 601,104.9 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 32,659,425.7 | 32,855,504.2 | 31,945,931.6 | 15,565,028.0 | 7,044,749.1 | 3,287,267.7 | 433,588.4 | 1,444,491.8 | 1,093,481.4 | 1,192,466.0 | 176,292.7 | 127,698,226.6 | | Créditos vigentes | 32,173,006.2 | 32,020,517.0 | 31,963,596.6 | 15,306,135.8 | 7,038,957.4 | 3,243,059.7 | 436,000.9 | 1,435,802.5 | 1,065,327.0 | 1,157,017.4 | 177,161.3 | 126,016,581.8 | | Créditos prorrogados | 10,448.4 | 52,100.2 | 9,427.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,218.3 | 0.0 | 0.0 | 75,194.2 | | Créditos reestructurados | 455,526.4 | 727,101.1 | 80,992.1 | 249,543.2 | 56,339.4 | 83,433.5 | 0.0 | 9,153.6 | 11,841.4 | 0.0 | 0.0 | 1,673,930.7 | | Créditos vencidos | 189,288.7 | 190,435.5 | 199,656.2 | 118,539.4 | 80,124.4 | 23,135.2 | 0.0 | 14,119.8 | 12,371.2 | 14,343.0 | 0.0 | 842,013.3 | | Créditos en cobro judicial | 58,293.6 | 115,349.8 | 168,723.6 | 70,182.4 | 5,028.4 | 3,474.9 | 0.0 | 2,037.3 | 1,979.6 | 0.0 | 0.0 | 425,069.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 494,681.4 | 513,928.7 | 297,268.3 | 154,191.1 | 83,270.0 | 51,067.8 | 2,055.2 | 28,634.6 | 29,437.7 | 53,399.4 | 1,425.7 | 1,709,360.0 | | Provisiones por incobrabilidad de cartera de creditos | -721,819.0 | -763,928.2 | -773,732.6 | -333,563.8 | -218,970.4 | -116,903.5 | -4,467.7 | -45,255.9 | -30,693.8 | -32,293.7 | -2,294.2 | -3,043,922.9 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 211,296.6 | 322,450.7 | 99,681.0 | 36,878.8 | 41,635.4 | 12,492.4 | 59,011.6 | 36,968.7 | 239.6 | 796.0 | 26,795.1 | 848,246.0 | | Bienes de uso, neto | 945,450.8 | 464,321.6 | 678,678.2 | 153,080.7 | 131,758.0 | 237,118.3 | 20,201.7 | 40,631.6 | 45,972.4 | 25,542.5 | 39,884.5 | 2,782,640.2 | | Bienes recibidos en recuperacion de creditos, neto | 18,806.6 | 170,184.0 | 8,168.0 | 17,311.9 | 0.0 | 523.6 | 0.0 | 2,635.7 | 453.0 | 902.9 | 0.0 | 218,985.8 | | Invesiones permanentes en acciones | 182,413.4 | 731,845.2 | 67,716.9 | 17,837.9 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,013,313.5 | | Otros activos neto | 213,466.2 | 278,714.9 | 126,227.8 | 129,937.4 | 130,305.8 | 80,558.0 | 74,743.3 | 38,670.6 | 29,260.6 | 56,551.0 | 35,175.5 | 1,193,611.1 | | Pasivo | 51,470,089.3 | 42,645,072.8 | 38,838,301.9 | 18,607,311.5 | 8,497,121.5 | 3,867,579.1 | 6,719,062.4 | 1,363,426.1 | 1,096,476.9 | 1,370,422.5 | 420,963.4 | 174,895,827.4 | | Obligaciones con el Público | 45,723,046.6 | 33,360,327.1 | 34,266,280.1 | 13,457,973.7 | 6,451,283.2 | 3,038,601.3 | 6,685,435.3 | 125,400.5 | 0.0 | 0.0 | 0.0 | 143,108,347.8 | | Moneda Nacional | 13,833,243.6 | 8,269,036.1 | 7,324,572.7 | 2,123,766.3 | 909,534.7 | 405,048.6 | 1,585,517.1 | 0.0 | 0.0 | 0.0 | 0.0 | 34,450,719.0 | | Depositos a la Vista | 6,577,400.5 | 4,685,721.8 | 4,838,351.7 | 405,767.0 | 429,793.2 | 162,848.2 | 943,140.1 | 0.0 | 0.0 | 0.0 | 0.0 | 18,043,022.5 | | Depositos de Ahorro | 6,028,504.1 | 3,007,184.1 | 2,122,677.9 | 1,477,393.0 | 162,776.6 | 190,633.0 | 575,102.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,564,270.6 | | Depositos a Plazo | 1,227,339.0 | 576,130.1 | 363,543.1 | 240,606.3 | 316,964.9 | 51,567.5 | 67,275.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,843,425.9 | | 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 | 0.0 | | | | | | | | | | | | | | | | Moneda Extranjera | 31,232,141.6 | 24,391,941.5 | 26,286,458.1 | 10,662,612.5 | 5,435,277.6 | 2,569,813.8 | 5,091,765.8 | 0.0 | 0.0 | 0.0 | 0.0 | 105,670,011.0 | | Depositos a la Vista | 8,417,569.2 | 6,034,868.0 | 7,897,951.3 | 767,287.1 | 1,141,437.5 | 263,706.3 | 4,811,172.9 | 0.0 | 0.0 | 0.0 | 0.0 | 29,333,992.3 | | Depositos de Ahorro | 13,950,071.7 | 10,716,346.6 | 10,795,582.2 | 5,463,897.5 | 1,548,183.4 | 1,047,071.6 | 16,424.7 | 0.0 | 0.0 | 0.0 | 0.0 | 43,537,577.7 | | Depositos a Plazo | 8,864,500.6 | 7,640,726.9 | 7,592,924.6 | 4,431,428.0 | 2,745,656.7 | 1,259,035.9 | 264,168.2 | 0.0 | 0.0 | 0.0 | 0.0 | 32,798,440.9 | | 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 | 0.0 | | | | | | | | | | | | | | | | Otras obligaciones | 478,171.9 | 564,472.1 | 481,379.0 | 565,443.8 | 35,339.0 | 35,101.4 | 2,798.7 | 124,709.6 | 0.0 | 0.0 | 0.0 | 2,287,415.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 179,489.5 | 134,877.4 | 173,870.3 | 106,151.1 | 71,131.9 | 28,637.5 | 5,353.7 | 690.9 | 0.0 | 0.0 | 0.0 | 700,202.3 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,314,433.8 | 7,120,073.7 | 3,757,021.0 | 4,236,696.5 | 1,457,385.9 | 566,800.1 | 9,118.0 | 1,165,842.3 | 946,943.2 | 1,291,795.8 | 360,393.0 | 25,226,503.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 85,840.5 | 167,188.1 | 92,630.8 | 81,710.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 427,369.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 713,093.7 | 1,401,074.3 | 510,148.2 | 483,036.0 | 242,249.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,349,601.3 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 170,999.4 | 0.0 | 0.0 | 827,993.4 | 0.0 | 170,999.4 | 1,169,992.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,515,499.6 | 5,551,811.3 | 3,154,242.0 | 3,671,950.4 | 1,215,136.8 | 395,800.7 | 9,118.0 | 1,165,842.3 | 118,949.8 | 1,291,795.8 | 189,393.6 | 20,279,540.4 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 347,005.8 | 155,901.8 | 0.0 | 161,981.6 | 0.0 | 8,646.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 673,535.7 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 350,097.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 350,097.5 | | Otras cuentas por pagar | 613,897.2 | 314,643.7 | 253,166.6 | 46,513.4 | 76,200.4 | 32,714.7 | 1,287.6 | 14,080.9 | 40,317.1 | 12,553.3 | 52,037.3 | 1,457,412.2 | | Otros pasivos y provisiones | 450,096.2 | 709,778.4 | 561,834.2 | 201,948.2 | 162,154.5 | 91,160.9 | 23,221.5 | 58,102.4 | 50,658.7 | 36,122.0 | 8,533.1 | 2,353,610.0 | | Obligaciones subordinadas | 21,609.8 | 984,348.2 | 0.0 | 502,198.1 | 0.0 | 129,655.5 | 0.0 | 0.0 | 58,557.8 | 29,951.4 | 0.0 | 1,726,320.8 | | Impuestos diferidos | 0.0 | 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 | 0.0 | | Patrimonio | 5,463,118.1 | 5,270,532.2 | 6,301,941.2 | 1,904,041.9 | 1,156,290.5 | 463,008.5 | 533,565.7 | 325,782.0 | 239,259.1 | 177,576.5 | 227,511.3 | 22,062,627.2 | | Capital social pagado | 2,930,500.0 | 2,972,800.0 | 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 | 164,859.9 | 12,065,442.5 | | Capital donado | 0.0 | 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 | 283,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 0.0 | 84,795.9 | 367,796.7 | | 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 | 0.0 | | Ajustes al patrimonio | -19.7 | 5,954.0 | -4,859.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,075.2 | | Reservas patrimoniales | 999,454.5 | 1,022,798.1 | 1,072,977.0 | 330,676.4 | 263,459.5 | 48,054.6 | 0.0 | 17,628.9 | 6,533.7 | 1,184.8 | 0.0 | 3,762,767.5 | | Resultados acumulados de ejercicios anteriores | 754,925.1 | 753,271.4 | 1,878,379.9 | 536,531.0 | 439,361.5 | -387,110.5 | -8,865.6 | 59,930.0 | 34,732.5 | 362.1 | -8,858.8 | 4,052,658.6 | | Resultados del Periodo | 495,258.2 | 515,708.1 | 565,082.3 | 141,334.5 | 24,453.5 | 22,183.8 | 17,831.4 | 24,408.1 | 12,783.0 | 7,129.5 | -13,285.6 | 1,812,886.7 | | Cuentas contingentes | 18,086,699.8 | 7,972,328.0 | 10,164,208.3 | 1,217,251.4 | 5,945,441.8 | 11,643.3 | 21,252.1 | 0.0 | 108,294.7 | 0.0 | 0.0 | 43,527,119.5 | | Cuentas de orden | 85,312,224.0 | 30,333,442.0 | 250,088,139.5 | 40,321,579.4 | 8,422,532.1 | 10,687,509.1 | 42,670,239.9 | 2,593,376.1 | 2,159,773.2 | 1,287,927.0 | 123,003.3 | 473,999,745.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2015 C$ 27.1407 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2016 C$ 28.4999 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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