| 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 | 59,677,715.2 | 52,244,657.9 | 47,680,446.8 | 21,415,553.9 | 11,640,148.2 | 4,866,717.8 | 5,420,135.4 | 1,851,617.5 | 1,476,098.8 | 1,953,724.2 | 1,656,532.5 | 209,883,348.2 | | Disponibilidades | 12,932,531.9 | 9,779,580.9 | 10,319,299.8 | 3,660,877.5 | 2,551,113.2 | 882,960.3 | 2,956,834.3 | 96,191.6 | 167,657.3 | 152,358.8 | 251,134.1 | 43,750,539.7 | | Moneda Nacional | 5,513,419.5 | 2,779,414.4 | 2,865,543.8 | 800,599.5 | 864,543.1 | 306,100.5 | 920,847.5 | 74,192.2 | 27,281.2 | 29,587.4 | 119,953.6 | 14,301,482.9 | | Caja | 1,630,422.6 | 992,385.7 | 1,524,897.3 | 165,924.3 | 94,596.3 | 140,658.1 | 30,383.8 | 11,008.7 | 21,532.3 | 18,204.6 | 47,152.6 | 4,677,166.4 | | Banco Central de Nicaragua | 3,697,815.8 | 1,604,109.0 | 1,101,370.9 | 432,896.5 | 746,032.7 | 148,906.6 | 890,250.7 | 34,120.0 | 0.0 | 0.0 | 0.0 | 8,655,502.2 | | Depositos e Instituciones Financieras del Pais | 2,496.5 | 10.0 | 0.0 | 106,721.3 | 6,500.7 | 1,164.9 | 0.0 | 29,063.4 | 5,748.9 | 10,863.0 | 72,801.1 | 235,369.9 | | Otras disponibilidades | 182,684.7 | 182,909.7 | 239,275.5 | 95,057.4 | 17,413.5 | 15,370.8 | 213.0 | 0.0 | 0.0 | 519.8 | 0.0 | 733,444.4 | | | | | | | | | | | | | | | | Moneda Extranjera | 7,419,112.3 | 7,000,166.5 | 7,453,756.0 | 2,860,278.0 | 1,686,570.1 | 576,859.8 | 2,035,986.8 | 21,999.4 | 140,376.1 | 122,771.4 | 131,180.5 | 29,449,056.9 | | Caja | 930,952.5 | 430,126.4 | 1,956,161.6 | 161,763.2 | 107,401.5 | 122,131.0 | 22,969.2 | 6,140.7 | 9,628.1 | 5,157.0 | 21,653.8 | 3,774,085.1 | | Banco Central de Nicaragua | 5,113,797.6 | 4,560,117.7 | 4,372,035.3 | 1,820,234.2 | 1,436,762.8 | 422,224.9 | 1,866,971.9 | 9,441.3 | 0.0 | 0.0 | 0.0 | 19,601,585.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 188,573.2 | 0.0 | 233.5 | 134,840.7 | 6,417.3 | 130,748.0 | 117,614.4 | 109,526.7 | 687,953.8 | | Depositos en Instituciones Financieras del exterior | 1,293,997.2 | 1,632,062.8 | 1,061,011.7 | 608,481.3 | 18,407.4 | 26,218.9 | 10,752.7 | 0.0 | 0.0 | 0.0 | 0.0 | 4,650,931.8 | | Otras disponibilidades | 80,365.1 | 377,859.7 | 64,547.5 | 81,226.2 | 123,998.3 | 6,051.6 | 452.1 | 0.0 | 0.0 | 0.0 | 0.0 | 734,500.3 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,639,549.6 | 6,601,245.6 | 1,529,160.3 | 856,021.1 | 966,609.9 | 0.0 | 844,675.2 | 0.0 | 0.0 | 148,488.0 | 40.9 | 19,585,790.7 | | 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 | 0.0 | | Inversiones Disponibles para la Venta | 1,347,160.4 | 4,599,446.6 | 1,529,160.3 | 112,308.7 | 966,609.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,554,685.8 | | Inversiones Mantenidas Hasta el Vencimiento | 7,292,389.2 | 2,001,799.0 | 0.0 | 743,712.5 | 0.0 | 0.0 | 844,675.2 | 0.0 | 0.0 | 148,488.0 | 40.9 | 11,031,104.8 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 97,931.6 | 349,603.0 | 0.0 | 1,303.0 | 31,923.9 | 29,093.2 | 301,307.8 | 0.0 | 0.0 | 23,266.2 | 0.0 | 834,428.7 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 36,401,458.0 | 33,296,972.6 | 34,823,342.2 | 16,492,899.0 | 7,814,329.8 | 3,617,714.9 | 1,041,638.6 | 1,631,302.7 | 1,224,000.3 | 1,529,601.3 | 1,296,459.8 | 139,169,719.2 | | Créditos vigentes | 35,654,046.8 | 32,614,578.8 | 34,805,806.9 | 16,241,111.6 | 7,773,158.3 | 3,548,338.8 | 1,031,702.5 | 1,619,855.4 | 1,186,502.1 | 1,448,002.3 | 1,272,238.1 | 137,195,341.4 | | Créditos prorrogados | 115,531.6 | 22,984.2 | 5,758.5 | 6,514.3 | 0.0 | 0.0 | 5,294.4 | 0.0 | 4,897.7 | 0.0 | 0.0 | 160,980.7 | | Créditos reestructurados | 596,358.3 | 616,377.3 | 108,897.5 | 236,847.6 | 93,171.3 | 79,247.5 | 0.0 | 13,257.2 | 15,632.7 | 192.7 | 0.0 | 1,759,982.2 | | Créditos vencidos | 207,638.8 | 159,404.2 | 276,974.1 | 135,655.0 | 89,556.9 | 39,647.2 | 0.0 | 15,820.4 | 16,077.0 | 20,952.8 | 482.7 | 962,209.2 | | Créditos en cobro judicial | 112,601.7 | 80,774.9 | 166,490.1 | 70,034.6 | 2,508.0 | 8,491.7 | 0.0 | 1,955.8 | 1,049.6 | 0.0 | 0.0 | 443,906.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 528,874.2 | 465,142.2 | 321,587.7 | 165,810.8 | 95,900.2 | 63,557.0 | 15,363.1 | 32,327.4 | 37,527.7 | 104,592.4 | 41,023.5 | 1,871,706.3 | | Provisiones por incobrabilidad de cartera de creditos | -813,593.3 | -662,289.2 | -862,172.6 | -363,074.9 | -239,964.9 | -121,567.3 | -10,721.4 | -51,913.5 | -37,686.4 | -44,138.9 | -17,284.5 | -3,224,407.0 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 151,361.3 | 328,171.1 | 84,431.3 | 74,423.8 | 13,216.3 | 7,756.0 | 186,983.4 | 35,253.5 | 497.5 | 1,504.8 | 12,570.0 | 896,169.1 | | Bienes de uso, neto | 989,578.4 | 519,121.4 | 681,237.5 | 155,153.4 | 142,745.1 | 241,248.8 | 19,269.9 | 44,125.9 | 47,674.6 | 48,707.0 | 44,902.3 | 2,933,764.4 | | Bienes recibidos en recuperacion de creditos, neto | 28,316.6 | 340,232.3 | 7,932.5 | 21,825.1 | 515.4 | 443.1 | 0.0 | 2,433.6 | 1,567.9 | 718.6 | 0.0 | 403,985.1 | | Invesiones permanentes en acciones | 182,413.4 | 652,350.6 | 68,316.9 | 19,673.1 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 936,254.0 | | Otros activos neto | 254,574.4 | 377,380.5 | 166,726.3 | 133,377.8 | 112,944.5 | 80,751.4 | 69,426.2 | 42,310.3 | 34,701.2 | 49,079.3 | 51,425.3 | 1,372,697.2 | | Pasivo | 53,660,006.8 | 46,462,574.1 | 40,831,499.4 | 19,435,478.5 | 10,368,226.2 | 4,381,930.8 | 4,795,551.3 | 1,504,047.6 | 1,231,213.4 | 1,662,175.4 | 1,425,550.4 | 185,758,254.0 | | Obligaciones con el Público | 47,743,500.2 | 36,033,800.1 | 35,658,356.2 | 13,894,802.2 | 7,122,342.8 | 3,322,380.2 | 4,759,889.4 | 182,361.3 | 0.0 | 9,928.4 | 0.0 | 148,727,360.9 | | Moneda Nacional | 14,602,194.7 | 9,278,029.5 | 7,630,685.0 | 2,185,470.9 | 897,308.8 | 494,378.8 | 1,513,877.0 | 0.0 | 0.0 | 0.0 | 0.0 | 36,601,944.9 | | Depositos a la Vista | 6,557,655.8 | 5,586,730.2 | 4,659,413.0 | 408,539.8 | 635,170.3 | 231,148.6 | 1,440,203.5 | 0.0 | 0.0 | 0.0 | 0.0 | 19,518,861.2 | | Depositos de Ahorro | 6,721,225.8 | 3,177,028.3 | 2,691,085.2 | 1,516,460.9 | 155,882.6 | 217,674.9 | 5,019.8 | 0.0 | 0.0 | 0.0 | 0.0 | 14,484,377.5 | | Depositos a Plazo | 1,323,313.1 | 514,271.1 | 280,186.8 | 260,470.2 | 106,255.9 | 45,555.3 | 68,653.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,598,706.1 | | 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 | 32,607,615.4 | 26,112,704.9 | 27,421,408.1 | 10,964,390.1 | 6,085,225.5 | 2,764,510.7 | 3,231,184.6 | 0.0 | 0.0 | 0.0 | 0.0 | 109,187,039.2 | | Depositos a la Vista | 10,080,806.4 | 8,005,043.0 | 8,334,988.6 | 693,169.1 | 1,249,965.8 | 390,505.1 | 2,676,188.2 | 0.0 | 0.0 | 0.0 | 0.0 | 31,430,666.1 | | Depositos de Ahorro | 13,962,881.4 | 10,379,778.3 | 11,306,444.3 | 5,538,679.0 | 1,683,241.0 | 996,569.1 | 255,486.1 | 0.0 | 0.0 | 0.0 | 0.0 | 44,123,079.3 | | Depositos a Plazo | 8,563,927.7 | 7,727,883.5 | 7,779,975.1 | 4,732,541.9 | 3,152,018.7 | 1,377,436.6 | 299,510.3 | 0.0 | 0.0 | 0.0 | 0.0 | 33,633,293.8 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 361,852.6 | 477,587.4 | 431,277.2 | 615,007.8 | 65,678.4 | 32,885.3 | 3,839.8 | 180,551.4 | 0.0 | 9,918.7 | 0.0 | 2,178,598.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 171,837.4 | 165,478.4 | 174,985.9 | 129,933.4 | 74,130.1 | 30,605.4 | 10,988.0 | 1,809.9 | 0.0 | 9.6 | 0.0 | 759,778.0 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,802,961.3 | 8,228,354.1 | 4,339,120.3 | 4,635,676.8 | 2,287,333.2 | 769,511.8 | 9,578.7 | 1,238,939.3 | 1,058,658.6 | 1,537,678.8 | 1,266,382.2 | 30,174,195.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 76,552.8 | 181,547.8 | 88,459.8 | 346,820.3 | 290,872.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 984,252.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 832,549.2 | 1,359,815.1 | 150,162.7 | 1,050,632.7 | 259,966.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,653,126.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 330,076.3 | 0.0 | 0.0 | 0.0 | 378,133.6 | 116,348.8 | 0.0 | 0.0 | 944,714.3 | 0.0 | 784,947.2 | 2,554,220.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,563,783.1 | 6,686,991.2 | 4,100,497.9 | 3,238,223.9 | 1,358,360.8 | 653,163.0 | 9,578.7 | 1,238,939.3 | 113,944.3 | 1,537,678.8 | 481,435.0 | 22,982,595.9 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 396,832.0 | 190,489.1 | 0.0 | 151,915.0 | 218,396.8 | 21,170.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 978,803.9 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 478,112.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 478,112.7 | | Otras cuentas por pagar | 193,741.2 | 353,916.6 | 195,236.9 | 48,391.4 | 84,404.2 | 23,534.5 | 1,292.6 | 12,869.7 | 54,951.0 | 15,334.3 | 38,279.6 | 1,021,952.0 | | Otros pasivos y provisiones | 522,972.0 | 699,739.7 | 638,785.9 | 215,823.6 | 177,636.4 | 108,222.0 | 24,790.6 | 69,877.3 | 58,319.6 | 38,722.7 | 33,554.4 | 2,588,444.3 | | Obligaciones subordinadas | 0.0 | 956,274.5 | 0.0 | 488,869.4 | 0.0 | 137,111.4 | 0.0 | 0.0 | 59,284.2 | 60,511.2 | 87,334.3 | 1,789,385.0 | | 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 | 6,017,708.4 | 5,782,083.8 | 6,848,947.5 | 1,980,075.5 | 1,271,922.0 | 484,786.9 | 624,584.0 | 347,569.9 | 244,885.4 | 291,548.8 | 230,982.0 | 24,125,094.1 | | Capital social pagado | 3,213,500.0 | 2,972,800.0 | 2,790,361.1 | 979,500.0 | 732,497.5 | 779,880.4 | 524,600.0 | 266,365.0 | 185,210.0 | 259,500.1 | 249,655.7 | 12,953,869.8 | | 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 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 8,196.3 | 0.0 | 8,197.1 | | 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 | 0.0 | -661.2 | -500.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -1,161.6 | | 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 | 236,780.1 | -387,110.5 | -8,865.6 | 11,706.5 | 34,732.5 | 362.1 | -8,858.8 | 3,617,283.6 | | Resultados del Periodo | 1,049,828.8 | 1,033,874.9 | 1,107,729.9 | 317,938.3 | 39,184.9 | 43,962.2 | 108,849.6 | 51,869.4 | 18,409.2 | 22,305.4 | -9,814.9 | 3,784,137.7 | | Cuentas contingentes | 19,971,858.6 | 7,828,485.9 | 10,469,241.2 | 1,359,580.1 | 6,734,123.5 | 18,427.6 | 33,766.8 | 0.0 | 141,616.1 | 0.0 | 0.0 | 46,557,099.9 | | Cuentas de orden | 87,927,815.3 | 34,700,196.1 | 241,119,043.4 | 44,087,830.9 | 11,327,612.3 | 11,276,558.7 | 45,262,354.1 | 2,652,419.6 | 2,533,736.9 | 1,159,174.7 | 918,819.2 | 482,965,561.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2015 C$ 27.7015 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2016 C$ 29.0872 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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