| 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 | 58,233,087.6 | 48,309,298.4 | 46,631,746.9 | 20,694,589.7 | 9,626,240.4 | 4,489,569.1 | 5,576,399.1 | 1,727,463.8 | 1,326,225.2 | 1,697,200.6 | 838,457.6 | 199,150,278.5 | | Disponibilidades | 13,311,893.6 | 8,630,000.2 | 11,467,268.9 | 3,889,922.5 | 1,427,635.8 | 816,765.8 | 3,908,020.0 | 102,035.9 | 139,069.0 | 181,998.6 | 271,995.5 | 44,146,605.8 | | Moneda Nacional | 4,250,702.5 | 3,422,797.3 | 3,293,108.2 | 776,175.4 | 253,485.5 | 185,578.7 | 2,413,274.0 | 73,419.6 | 36,866.2 | 79,844.9 | 117,604.2 | 14,902,856.5 | | Caja | 1,375,093.9 | 966,073.1 | 1,766,513.2 | 165,698.8 | 94,850.6 | 111,746.9 | 25,728.6 | 11,461.3 | 19,373.8 | 18,259.2 | 40,829.4 | 4,595,628.7 | | Banco Central de Nicaragua | 2,707,736.1 | 2,331,058.8 | 1,406,605.1 | 445,505.2 | 143,451.5 | 65,144.8 | 2,387,429.6 | 49,783.2 | 0.0 | 0.0 | 0.0 | 9,536,714.2 | | Depositos e Instituciones Financieras del Pais | 15,404.9 | 30.3 | 0.0 | 103,162.1 | 9,012.5 | 1,369.7 | 0.0 | 12,175.1 | 17,492.4 | 61,510.1 | 76,774.8 | 296,932.0 | | Otras disponibilidades | 152,467.6 | 125,635.1 | 119,990.0 | 61,809.3 | 6,170.9 | 7,317.3 | 115.8 | 0.0 | 0.0 | 75.7 | 0.0 | 473,581.6 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,061,191.1 | 5,207,203.0 | 8,174,160.6 | 3,113,747.1 | 1,174,150.3 | 631,187.1 | 1,494,746.0 | 28,616.4 | 102,202.8 | 102,153.7 | 154,391.2 | 29,243,749.4 | | Caja | 1,022,644.4 | 459,734.9 | 2,707,561.5 | 234,674.6 | 145,480.1 | 119,228.9 | 17,307.4 | 7,988.1 | 11,486.6 | 8,759.1 | 19,403.2 | 4,754,268.8 | | Banco Central de Nicaragua | 5,840,277.5 | 3,811,842.7 | 4,415,838.1 | 1,804,679.7 | 787,120.2 | 378,021.1 | 1,321,161.9 | 9,284.3 | 0.0 | 0.0 | 0.0 | 18,368,225.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 130,024.9 | 0.0 | 1,214.0 | 131,249.4 | 11,343.9 | 90,716.2 | 93,394.6 | 134,988.1 | 592,931.0 | | Depositos en Instituciones Financieras del exterior | 2,130,475.8 | 615,082.5 | 945,098.0 | 870,937.3 | 126,592.2 | 128,813.9 | 25,010.1 | 0.0 | 0.0 | 0.0 | 0.0 | 4,842,009.8 | | Otras disponibilidades | 67,793.5 | 320,542.9 | 105,663.0 | 73,430.6 | 114,957.9 | 3,909.2 | 17.1 | 0.0 | 0.0 | 0.0 | 0.0 | 686,314.3 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,524,816.7 | 4,884,010.3 | 1,760,396.5 | 798,535.7 | 770,638.8 | 0.0 | 430,316.4 | 30,005.3 | 0.0 | 143,894.1 | 39.8 | 18,342,653.6 | | 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 | 2,393,975.4 | 3,062,512.4 | 1,760,396.5 | 67,590.8 | 770,638.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,055,113.8 | | Inversiones Mantenidas Hasta el Vencimiento | 7,130,841.3 | 1,821,497.8 | 0.0 | 730,945.0 | 0.0 | 0.0 | 430,316.4 | 30,005.3 | 0.0 | 143,894.1 | 39.8 | 10,287,539.8 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 21,755.7 | 0.0 | 0.0 | 49,060.8 | 0.0 | 0.0 | 355,433.8 | 14,314.0 | 0.0 | 14,107.8 | 0.0 | 454,672.0 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 33,859,962.0 | 32,756,646.0 | 32,425,409.3 | 15,602,717.3 | 7,103,650.5 | 3,336,784.3 | 644,057.1 | 1,470,329.6 | 1,110,492.9 | 1,270,584.7 | 452,736.3 | 130,033,370.2 | | Créditos vigentes | 33,249,618.0 | 31,938,801.3 | 32,473,063.0 | 15,344,848.2 | 7,084,430.0 | 3,291,234.4 | 647,692.6 | 1,462,230.2 | 1,080,040.6 | 1,227,833.7 | 451,849.2 | 128,251,641.4 | | Créditos prorrogados | 106,776.6 | 9,796.7 | 3,433.7 | 6,619.4 | 0.0 | 0.0 | 0.0 | 0.0 | 4,090.6 | 0.0 | 0.0 | 130,717.0 | | Créditos reestructurados | 539,892.8 | 736,881.0 | 81,354.9 | 251,398.4 | 64,341.4 | 83,506.0 | 0.0 | 10,012.9 | 13,538.6 | 0.0 | 0.0 | 1,780,926.1 | | Créditos vencidos | 197,515.6 | 230,630.3 | 178,733.7 | 121,998.9 | 83,927.7 | 23,993.6 | 0.0 | 13,645.1 | 11,606.0 | 15,544.1 | 0.0 | 877,594.9 | | Créditos en cobro judicial | 60,132.7 | 114,535.7 | 183,816.2 | 62,189.3 | 5,048.5 | 3,313.6 | 0.0 | 2,255.5 | 1,916.1 | 0.0 | 0.0 | 433,207.5 | | Intereses y Comisiones por Cobrar sobre Creditos | 444,117.9 | 493,430.1 | 299,653.4 | 146,357.8 | 86,297.5 | 50,971.0 | 2,989.7 | 27,871.2 | 30,318.7 | 61,283.4 | 6,645.3 | 1,649,936.0 | | Provisiones por incobrabilidad de cartera de creditos | -738,091.5 | -767,429.2 | -794,645.6 | -330,694.6 | -220,394.7 | -116,234.3 | -6,625.2 | -45,685.3 | -31,017.7 | -34,076.5 | -5,758.3 | -3,090,652.8 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 129,215.7 | 331,152.2 | 85,656.5 | 36,479.9 | 47,205.8 | 12,776.1 | 145,127.7 | 25,425.6 | 556.4 | 827.4 | 29,827.8 | 844,251.1 | | Bienes de uso, neto | 955,334.5 | 486,617.3 | 677,638.8 | 151,368.3 | 133,242.7 | 235,866.4 | 19,837.4 | 43,131.0 | 46,292.0 | 24,790.2 | 41,729.7 | 2,815,848.3 | | Bienes recibidos en recuperacion de creditos, neto | 19,431.6 | 197,037.0 | 8,424.6 | 17,459.1 | 0.0 | 523.6 | 0.0 | 2,791.1 | 552.0 | 918.6 | 0.0 | 247,137.6 | | Invesiones permanentes en acciones | 182,413.4 | 731,847.0 | 67,837.8 | 17,973.5 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,013,571.7 | | Otros activos neto | 228,264.4 | 291,988.4 | 139,114.5 | 131,072.6 | 137,116.8 | 80,102.8 | 73,606.7 | 39,431.2 | 29,262.9 | 60,079.2 | 42,128.6 | 1,252,168.1 | | Pasivo | 52,670,403.3 | 42,936,388.6 | 40,230,067.8 | 18,761,132.4 | 8,463,634.4 | 4,019,334.3 | 4,966,444.0 | 1,403,116.0 | 1,084,859.6 | 1,517,385.9 | 609,816.7 | 176,662,582.9 | | Obligaciones con el Público | 47,273,561.6 | 33,940,030.4 | 35,284,703.2 | 13,657,832.9 | 6,289,939.1 | 3,075,963.1 | 4,932,906.1 | 138,217.7 | 0.0 | 0.0 | 0.0 | 144,593,154.0 | | Moneda Nacional | 13,846,586.0 | 8,990,195.9 | 7,511,224.0 | 2,152,229.4 | 548,049.1 | 422,186.7 | 2,219,420.6 | 0.0 | 0.0 | 0.0 | 0.0 | 35,689,891.8 | | Depositos a la Vista | 6,813,897.4 | 5,343,126.1 | 4,901,805.8 | 431,321.2 | 295,044.7 | 177,065.9 | 1,574,492.9 | 0.0 | 0.0 | 0.0 | 0.0 | 19,536,754.0 | | Depositos de Ahorro | 5,842,542.5 | 3,053,942.0 | 2,235,080.3 | 1,474,162.8 | 166,577.4 | 194,326.8 | 577,383.3 | 0.0 | 0.0 | 0.0 | 0.0 | 13,544,015.2 | | Depositos a Plazo | 1,190,146.1 | 593,127.8 | 374,338.0 | 246,745.4 | 86,427.0 | 50,794.0 | 67,544.4 | 0.0 | 0.0 | 0.0 | 0.0 | 2,609,122.6 | | 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 | 32,852,719.3 | 24,372,973.7 | 26,958,174.2 | 10,840,239.5 | 5,595,399.9 | 2,593,332.4 | 2,705,170.8 | 0.0 | 0.0 | 0.0 | 0.0 | 105,918,009.8 | | Depositos a la Vista | 10,204,891.9 | 6,106,097.7 | 8,005,776.5 | 734,897.7 | 1,163,354.2 | 277,124.2 | 2,423,971.2 | 0.0 | 0.0 | 0.0 | 0.0 | 28,916,113.3 | | Depositos de Ahorro | 14,153,990.0 | 10,764,458.8 | 11,312,144.1 | 5,591,632.4 | 1,577,196.8 | 1,032,637.4 | 15,972.0 | 0.0 | 0.0 | 0.0 | 0.0 | 44,448,031.4 | | Depositos a Plazo | 8,493,837.5 | 7,502,417.2 | 7,640,253.7 | 4,513,709.4 | 2,854,849.0 | 1,283,570.9 | 265,227.6 | 0.0 | 0.0 | 0.0 | 0.0 | 32,553,865.2 | | 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 | 394,106.4 | 437,244.3 | 637,899.2 | 552,893.7 | 87,578.9 | 32,054.9 | 1,752.1 | 137,113.9 | 0.0 | 0.0 | 0.0 | 2,280,643.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 180,149.8 | 139,616.6 | 177,405.8 | 112,470.3 | 58,911.1 | 28,389.1 | 6,562.6 | 1,103.8 | 0.0 | 0.0 | 0.0 | 704,609.1 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,356,728.8 | 6,937,193.3 | 4,173,208.4 | 4,174,778.9 | 1,520,350.9 | 681,507.6 | 9,208.2 | 1,192,187.3 | 928,806.9 | 1,409,259.1 | 543,367.4 | 25,926,596.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 82,815.0 | 164,086.2 | 92,342.7 | 237,416.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 576,660.4 | | Préstamos del Banco Centroaméricano de Integración Económica | 706,780.9 | 1,389,492.0 | 510,405.8 | 592,724.5 | 286,142.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,485,545.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 53,771.7 | 0.0 | 0.0 | 0.0 | 0.0 | 171,685.2 | 0.0 | 0.0 | 804,842.5 | 0.0 | 340,509.0 | 1,370,808.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,513,361.1 | 5,383,615.1 | 3,570,459.9 | 3,344,638.0 | 1,234,208.9 | 509,822.4 | 9,208.2 | 1,192,187.3 | 123,964.4 | 1,409,259.1 | 202,858.4 | 20,493,582.8 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 350,081.2 | 157,351.4 | 0.0 | 162,328.2 | 238,456.8 | 8,718.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 916,936.2 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 164,329.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 164,329.3 | | Otras cuentas por pagar | 240,197.0 | 282,779.8 | 197,473.1 | 46,623.6 | 77,672.9 | 29,623.5 | 1,138.5 | 11,941.5 | 44,032.8 | 12,840.2 | 53,341.1 | 997,664.0 | | Otros pasivos y provisiones | 449,834.7 | 681,768.1 | 574,683.1 | 223,258.0 | 172,885.4 | 92,423.3 | 23,191.2 | 60,769.5 | 52,738.4 | 37,919.9 | 13,108.1 | 2,382,579.8 | | Obligaciones subordinadas | 0.0 | 937,265.5 | 0.0 | 496,310.8 | 0.0 | 131,098.3 | 0.0 | 0.0 | 59,281.5 | 57,366.7 | 0.0 | 1,681,322.7 | | 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 | 5,562,684.3 | 5,372,909.9 | 6,401,679.1 | 1,933,457.3 | 1,162,606.0 | 470,234.8 | 609,955.1 | 324,347.7 | 241,365.7 | 179,814.7 | 228,640.9 | 22,487,695.6 | | Capital social pagado | 2,930,500.0 | 2,972,800.0 | 2,790,361.1 | 979,500.0 | 429,016.0 | 779,880.4 | 524,600.0 | 266,365.0 | 185,210.0 | 168,900.1 | 249,655.7 | 12,276,788.3 | | 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 | 0.0 | 283,000.8 | | 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 | 0.0 | | Ajustes al patrimonio | -1,677.5 | 8,169.9 | -9,175.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -2,683.1 | | 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 | 452,531.0 | 439,361.5 | -387,110.5 | -8,865.6 | 11,706.5 | 34,732.5 | 362.1 | -8,858.8 | 3,920,435.2 | | Resultados del Periodo | 596,482.2 | 615,869.8 | 669,136.6 | 170,749.9 | 30,769.0 | 29,410.1 | 94,220.7 | 28,647.3 | 14,889.5 | 9,367.7 | -12,156.0 | 2,247,386.8 | | Cuentas contingentes | 19,062,993.5 | 8,212,432.1 | 10,167,095.1 | 1,258,037.1 | 6,117,375.6 | 11,590.0 | 31,213.7 | 0.0 | 100,700.5 | 0.0 | 0.0 | 44,961,437.7 | | Cuentas de orden | 86,131,665.8 | 32,464,677.4 | 224,525,502.6 | 41,577,357.2 | 8,878,688.8 | 10,851,217.9 | 43,208,467.0 | 2,596,455.1 | 2,234,744.7 | 1,256,320.7 | 390,259.2 | 454,115,356.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2015 C$ 27.2497 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2016 C$ 28.6142 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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