| 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 | 60,470,719.8 | 48,591,278.6 | 46,736,550.9 | 20,855,592.3 | 10,281,782.7 | 4,518,870.1 | 5,521,280.0 | 1,783,922.7 | 1,332,034.9 | 1,801,340.8 | 1,143,878.4 | 203,037,251.2 | | Disponibilidades | 15,679,590.0 | 9,205,502.3 | 11,208,651.1 | 3,818,717.3 | 1,901,088.0 | 781,340.0 | 3,898,609.8 | 150,838.3 | 132,332.6 | 196,234.7 | 363,053.6 | 47,335,957.7 | | Moneda Nacional | 6,075,958.5 | 2,984,151.8 | 3,085,135.4 | 774,375.0 | 270,117.5 | 173,477.5 | 2,067,516.5 | 120,337.2 | 38,882.4 | 48,534.7 | 92,916.7 | 15,731,403.1 | | Caja | 1,200,459.4 | 835,480.3 | 1,653,445.9 | 177,166.2 | 89,946.7 | 83,133.8 | 15,292.4 | 12,343.0 | 20,552.1 | 14,561.5 | 41,763.6 | 4,144,145.0 | | Banco Central de Nicaragua | 4,611,805.2 | 1,883,009.2 | 1,147,998.0 | 463,160.8 | 156,477.1 | 72,547.9 | 2,050,502.0 | 81,982.9 | 0.0 | 0.0 | 0.0 | 10,467,483.2 | | Depositos e Instituciones Financieras del Pais | 8,743.5 | 10.0 | 0.0 | 55,292.1 | 10,126.4 | 1,723.7 | 0.0 | 26,011.3 | 18,330.3 | 33,443.6 | 51,153.1 | 204,834.1 | | Otras disponibilidades | 254,950.3 | 265,652.3 | 283,691.4 | 78,755.8 | 13,567.2 | 16,072.2 | 1,722.1 | 0.0 | 0.0 | 529.5 | 0.0 | 914,940.9 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,603,631.5 | 6,221,350.5 | 8,123,515.7 | 3,044,342.3 | 1,630,970.6 | 607,862.5 | 1,831,093.2 | 30,501.1 | 93,450.2 | 147,700.1 | 270,136.9 | 31,604,554.6 | | Caja | 868,329.3 | 462,560.1 | 2,965,420.9 | 185,521.5 | 123,574.9 | 128,877.5 | 16,280.6 | 8,127.4 | 11,779.5 | 6,863.9 | 20,726.1 | 4,798,061.8 | | Banco Central de Nicaragua | 6,417,988.7 | 4,409,799.1 | 3,737,809.8 | 1,773,912.3 | 985,102.9 | 403,993.1 | 1,665,910.2 | 9,897.4 | 0.0 | 0.0 | 0.0 | 19,404,413.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 198,943.1 | 0.0 | 331.8 | 132,144.9 | 12,476.3 | 81,670.7 | 140,836.1 | 249,410.8 | 815,813.7 | | Depositos en Instituciones Financieras del exterior | 2,189,147.2 | 932,298.3 | 1,262,356.8 | 757,466.0 | 402,856.8 | 70,427.0 | 7,512.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5,622,064.7 | | Otras disponibilidades | 128,166.3 | 416,693.0 | 157,928.3 | 128,499.4 | 119,436.0 | 4,233.1 | 9,245.0 | 0.0 | 0.0 | 0.0 | 0.0 | 964,201.1 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,808,088.8 | 4,906,225.2 | 1,772,877.8 | 807,358.1 | 833,911.3 | 0.0 | 460,855.3 | 15,005.3 | 0.0 | 145,041.1 | 40.1 | 17,749,402.9 | | 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 | 2,258,979.4 | 3,102,160.4 | 1,772,877.8 | 68,308.7 | 833,911.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,036,237.6 | | Inversiones Mantenidas Hasta el Vencimiento | 6,549,109.4 | 1,804,064.9 | 0.0 | 739,049.4 | 0.0 | 0.0 | 460,855.3 | 15,005.3 | 0.0 | 145,041.1 | 40.1 | 9,713,165.4 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 79,672.9 | 0.0 | 0.0 | 49,438.7 | 0.0 | 0.0 | 209,092.9 | 0.0 | 0.0 | 22,974.0 | 0.0 | 361,178.6 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 34,347,043.3 | 32,223,310.5 | 32,780,242.8 | 15,814,469.1 | 7,226,142.6 | 3,401,587.5 | 706,243.0 | 1,500,406.3 | 1,120,077.1 | 1,333,301.4 | 670,309.6 | 131,123,133.2 | | Créditos vigentes | 33,664,674.2 | 31,542,023.4 | 32,799,473.1 | 15,551,623.7 | 7,195,029.3 | 3,351,852.6 | 708,441.5 | 1,489,623.2 | 1,089,753.0 | 1,281,126.9 | 665,137.3 | 129,338,758.1 | | Créditos prorrogados | 174,085.7 | 14,524.4 | 6,820.5 | 9,520.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,777.4 | 0.0 | 0.0 | 207,728.1 | | Créditos reestructurados | 548,104.4 | 586,226.1 | 83,388.9 | 249,903.7 | 70,991.5 | 80,305.1 | 0.0 | 10,838.2 | 13,540.3 | 0.0 | 0.0 | 1,643,298.3 | | Créditos vencidos | 187,678.6 | 229,576.6 | 214,867.9 | 126,085.7 | 87,761.0 | 21,058.2 | 0.0 | 14,964.1 | 13,533.7 | 15,129.4 | 33.1 | 910,688.3 | | Créditos en cobro judicial | 92,765.1 | 78,932.9 | 191,347.1 | 63,934.0 | 5,069.4 | 10,810.8 | 0.0 | 1,745.9 | 1,123.2 | 0.0 | 0.0 | 445,728.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 437,482.3 | 483,838.1 | 305,724.3 | 154,380.8 | 92,922.3 | 54,781.3 | 5,056.2 | 29,905.8 | 31,502.0 | 72,123.9 | 13,685.3 | 1,681,402.2 | | Provisiones por incobrabilidad de cartera de creditos | -757,747.2 | -711,811.0 | -821,378.9 | -340,978.8 | -225,631.0 | -117,220.4 | -7,254.7 | -46,670.7 | -32,152.4 | -35,078.9 | -8,546.1 | -3,104,470.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 157,274.7 | 374,295.2 | 88,567.7 | 36,091.6 | 30,184.0 | 12,955.4 | 154,106.3 | 30,397.3 | 479.1 | 621.8 | 22,609.6 | 907,582.7 | | Bienes de uso, neto | 947,601.0 | 495,937.8 | 675,298.1 | 149,016.3 | 132,388.2 | 235,547.1 | 19,705.1 | 44,213.3 | 46,103.5 | 47,676.2 | 42,707.0 | 2,836,193.5 | | Bienes recibidos en recuperacion de creditos, neto | 17,641.3 | 338,309.0 | 10,441.5 | 18,499.5 | 0.0 | 523.6 | 0.0 | 2,967.7 | 605.1 | 918.6 | 0.0 | 389,906.3 | | Invesiones permanentes en acciones | 182,413.4 | 731,847.0 | 67,930.6 | 18,149.3 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,013,840.3 | | Otros activos neto | 251,394.5 | 315,851.6 | 132,541.2 | 143,852.3 | 151,318.6 | 80,166.5 | 72,667.7 | 40,094.6 | 32,437.5 | 54,573.0 | 45,158.5 | 1,320,056.0 | | Pasivo | 54,796,702.8 | 43,116,390.1 | 40,238,588.2 | 18,991,592.9 | 9,115,596.6 | 4,047,271.2 | 4,911,191.2 | 1,454,074.5 | 1,089,793.5 | 1,616,897.4 | 915,919.0 | 180,294,017.5 | | Obligaciones con el Público | 49,596,697.4 | 34,070,743.9 | 35,126,826.0 | 13,483,298.0 | 6,598,483.6 | 3,098,984.9 | 4,850,771.3 | 136,363.5 | 0.0 | 0.0 | 0.0 | 146,962,168.5 | | Moneda Nacional | 15,310,213.6 | 8,698,247.6 | 7,227,203.7 | 2,118,500.8 | 628,266.4 | 400,966.0 | 2,147,018.8 | 0.0 | 0.0 | 0.0 | 0.0 | 36,530,416.7 | | Depositos a la Vista | 7,752,196.2 | 4,996,553.5 | 4,782,883.5 | 416,251.0 | 381,001.9 | 149,757.0 | 1,499,371.3 | 0.0 | 0.0 | 0.0 | 0.0 | 19,978,014.3 | | Depositos de Ahorro | 6,402,188.7 | 3,071,983.7 | 2,079,874.8 | 1,453,137.0 | 160,454.2 | 201,932.0 | 579,829.1 | 0.0 | 0.0 | 0.0 | 0.0 | 13,949,399.6 | | Depositos a Plazo | 1,155,828.7 | 629,710.3 | 364,445.4 | 249,112.8 | 86,810.2 | 49,276.9 | 67,818.4 | 0.0 | 0.0 | 0.0 | 0.0 | 2,603,002.8 | | 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 | 0.0 | | | | | | | | | | | | | | | | Moneda Extranjera | 33,610,240.3 | 24,818,211.7 | 27,139,597.7 | 10,690,804.3 | 5,864,201.3 | 2,632,077.9 | 2,672,874.9 | 0.0 | 0.0 | 0.0 | 0.0 | 107,428,008.0 | | Depositos a la Vista | 10,765,128.3 | 6,581,349.2 | 8,166,567.2 | 632,832.1 | 1,393,502.9 | 302,408.2 | 2,332,853.5 | 0.0 | 0.0 | 0.0 | 0.0 | 30,174,641.5 | | Depositos de Ahorro | 14,315,107.3 | 10,633,430.1 | 11,264,756.1 | 5,464,813.5 | 1,580,061.7 | 1,034,139.9 | 73,265.3 | 0.0 | 0.0 | 0.0 | 0.0 | 44,365,573.9 | | Depositos a Plazo | 8,530,004.7 | 7,603,432.4 | 7,708,274.3 | 4,593,158.7 | 2,890,636.7 | 1,295,529.7 | 266,756.1 | 0.0 | 0.0 | 0.0 | 0.0 | 32,887,792.7 | | 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 | 491,692.8 | 406,306.6 | 577,676.5 | 553,206.6 | 44,427.6 | 35,443.8 | 23,056.4 | 135,201.3 | 0.0 | 0.0 | 0.0 | 2,267,011.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 184,550.7 | 147,978.1 | 182,348.2 | 120,786.3 | 61,588.3 | 30,497.3 | 7,821.3 | 1,162.2 | 0.0 | 0.0 | 0.0 | 736,732.2 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,136,206.3 | 7,055,039.2 | 4,317,100.5 | 4,575,223.6 | 1,928,056.6 | 682,900.1 | 9,300.2 | 1,240,169.9 | 929,575.1 | 1,505,317.0 | 867,118.5 | 27,246,007.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 79,723.5 | 189,981.8 | 92,055.0 | 231,252.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 593,012.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 676,786.1 | 1,387,864.1 | 512,517.8 | 663,864.4 | 283,734.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,524,766.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 53,994.2 | 0.0 | 0.0 | 0.0 | 373,521.8 | 172,395.6 | 0.0 | 0.0 | 807,934.8 | 0.0 | 657,976.5 | 2,065,822.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,325,702.5 | 5,477,193.3 | 3,712,527.7 | 3,680,106.8 | 1,270,800.4 | 510,504.5 | 9,300.2 | 1,240,169.9 | 121,640.3 | 1,505,317.0 | 209,142.0 | 21,062,404.8 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 403,187.1 | 76,416.6 | 0.0 | 161,718.0 | 228,432.2 | 8,793.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 878,547.2 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 100,146.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100,146.3 | | Otras cuentas por pagar | 173,763.8 | 333,072.4 | 195,392.7 | 51,370.7 | 81,591.0 | 26,057.6 | 1,251.8 | 14,170.2 | 46,215.9 | 13,761.0 | 31,913.9 | 968,561.0 | | Otros pasivos y provisiones | 486,848.2 | 635,392.9 | 599,269.0 | 218,515.6 | 178,886.9 | 97,937.1 | 49,867.8 | 63,370.9 | 53,968.5 | 39,668.5 | 16,886.6 | 2,440,612.0 | | Obligaciones subordinadas | 0.0 | 945,725.1 | 0.0 | 501,467.1 | 0.0 | 132,598.2 | 0.0 | 0.0 | 60,034.0 | 58,150.8 | 0.0 | 1,697,975.2 | | Impuestos diferidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 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 | 5,674,017.0 | 5,474,888.6 | 6,497,962.6 | 1,863,999.4 | 1,166,186.1 | 471,598.9 | 610,088.9 | 329,848.3 | 242,241.3 | 184,443.4 | 227,959.3 | 22,743,233.7 | | 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 | -2,442.6 | 10,016.8 | -6,548.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,025.7 | | 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 | 351,960.8 | 439,361.5 | -387,110.5 | -8,865.6 | 11,706.5 | 34,732.5 | 362.1 | -8,858.8 | 3,819,865.0 | | Resultados del Periodo | 708,580.0 | 716,001.6 | 762,793.2 | 201,862.2 | 34,349.1 | 30,774.1 | 94,354.5 | 34,147.8 | 15,765.1 | 13,996.3 | -12,837.6 | 2,599,786.4 | | Cuentas contingentes | 18,962,406.2 | 7,766,971.1 | 10,791,755.6 | 1,293,471.6 | 6,269,347.6 | 11,374.7 | 47,672.8 | 0.0 | 114,852.3 | 0.0 | 0.0 | 45,257,851.9 | | Cuentas de orden | 86,964,282.9 | 33,942,731.5 | 229,324,335.9 | 42,607,685.2 | 9,870,410.8 | 10,886,245.1 | 43,658,625.2 | 2,600,350.2 | 2,280,583.1 | 1,224,473.1 | 538,926.1 | 463,898,649.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2015 C$ 27.3629 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2016 C$ 28.7326 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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