| 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 | 61,362,720.0 | 52,284,346.2 | 48,791,454.5 | 21,886,323.9 | 11,051,457.4 | 4,884,627.6 | 5,201,090.6 | 1,918,910.0 | 1,439,730.9 | 1,926,339.7 | 1,901,036.6 | 212,648,037.5 | | Disponibilidades | 14,511,157.4 | 9,776,740.7 | 10,591,403.9 | 3,738,582.0 | 1,926,090.7 | 871,693.4 | 2,604,480.7 | 98,902.9 | 89,747.1 | 81,241.4 | 273,345.5 | 44,563,385.7 | | Moneda Nacional | 5,928,303.2 | 2,768,565.6 | 2,917,931.1 | 862,623.9 | 546,130.6 | 312,506.3 | 901,259.1 | 62,904.6 | 29,854.7 | 32,401.1 | 85,471.7 | 14,447,951.9 | | Caja | 2,195,082.9 | 1,263,588.2 | 1,769,264.5 | 180,513.6 | 110,680.8 | 132,264.5 | 36,607.9 | 10,912.3 | 22,779.1 | 20,406.7 | 43,127.4 | 5,785,227.8 | | Banco Central de Nicaragua | 3,598,204.9 | 1,349,646.4 | 997,641.3 | 409,957.6 | 421,315.0 | 174,403.6 | 864,509.9 | 25,732.4 | 0.0 | 0.0 | 0.0 | 7,841,411.0 | | Depositos e Instituciones Financieras del Pais | 7,093.0 | 51.8 | 1,568.2 | 211,049.2 | 5,963.6 | 2,231.7 | 0.0 | 26,259.9 | 7,075.6 | 11,905.9 | 42,344.4 | 315,543.2 | | Otras disponibilidades | 127,922.4 | 155,279.4 | 149,457.0 | 61,103.6 | 8,171.2 | 3,606.6 | 141.3 | 0.0 | 0.0 | 88.4 | 0.0 | 505,769.9 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,582,854.2 | 7,008,175.0 | 7,673,472.8 | 2,875,958.1 | 1,379,960.1 | 559,187.1 | 1,703,221.7 | 35,998.3 | 59,892.4 | 48,840.4 | 187,873.8 | 30,115,433.8 | | Caja | 1,079,613.3 | 465,007.6 | 1,715,944.7 | 196,287.7 | 103,183.3 | 106,885.4 | 16,880.0 | 8,717.6 | 10,745.4 | 6,159.8 | 20,978.2 | 3,730,403.0 | | Banco Central de Nicaragua | 5,305,943.2 | 4,194,653.2 | 4,589,026.8 | 1,861,651.1 | 1,052,297.3 | 421,131.9 | 1,532,151.1 | 9,529.6 | 0.0 | 0.0 | 0.0 | 18,966,384.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 105,977.3 | 0.0 | 222.9 | 135,731.8 | 17,751.1 | 49,147.1 | 42,680.6 | 166,895.5 | 518,406.3 | | Depositos en Instituciones Financieras del exterior | 2,093,057.7 | 1,523,983.0 | 1,305,635.0 | 608,419.3 | 92,932.2 | 26,188.3 | 9,351.7 | 0.0 | 0.0 | 0.0 | 0.0 | 5,659,567.3 | | Otras disponibilidades | 104,239.9 | 824,531.3 | 62,866.2 | 103,622.7 | 131,547.3 | 4,758.5 | 9,107.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,240,672.9 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 7,940,047.0 | 6,703,063.5 | 1,364,224.0 | 865,168.0 | 975,954.3 | 0.0 | 877,328.9 | 0.0 | 0.0 | 149,625.7 | 41.2 | 18,875,452.5 | | 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 | 584,041.0 | 4,743,677.2 | 1,364,224.0 | 113,465.8 | 975,954.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,781,362.2 | | Inversiones Mantenidas Hasta el Vencimiento | 7,356,006.0 | 1,959,386.3 | 0.0 | 751,702.2 | 0.0 | 0.0 | 877,328.9 | 0.0 | 0.0 | 149,625.7 | 41.2 | 11,094,090.3 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 91,825.2 | 441,083.2 | 0.0 | 104,914.0 | 118,445.7 | 0.0 | 394,232.1 | 0.0 | 0.0 | 23,451.0 | 0.0 | 1,173,951.2 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 37,170,109.4 | 33,136,182.0 | 35,841,462.9 | 16,754,065.8 | 7,739,309.4 | 3,667,780.8 | 1,058,307.6 | 1,694,760.4 | 1,262,774.1 | 1,574,800.1 | 1,515,051.7 | 141,414,603.9 | | Créditos vigentes | 36,331,390.7 | 32,406,784.0 | 35,853,452.4 | 16,498,781.3 | 7,692,992.9 | 3,615,291.2 | 1,044,218.9 | 1,683,829.6 | 1,221,446.2 | 1,485,325.5 | 1,484,911.1 | 139,318,423.8 | | Créditos prorrogados | 245,647.7 | 25,537.4 | 791.4 | 6,147.0 | 0.0 | 0.0 | 5,315.6 | 0.0 | 4,750.9 | 0.0 | 0.0 | 288,190.0 | | Créditos reestructurados | 597,508.1 | 635,139.7 | 109,345.4 | 238,568.3 | 100,306.5 | 76,065.9 | 0.0 | 14,375.6 | 16,361.6 | 193.5 | 0.0 | 1,787,864.6 | | Créditos vencidos | 217,078.7 | 154,224.0 | 275,990.4 | 153,332.3 | 88,366.3 | 20,235.6 | 0.0 | 16,639.0 | 13,132.4 | 21,461.3 | 655.6 | 961,115.5 | | Créditos en cobro judicial | 71,365.8 | 93,445.2 | 162,678.7 | 64,181.0 | 2,518.1 | 6,406.5 | 0.0 | 1,634.1 | 4,309.6 | 0.0 | 0.0 | 406,539.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 540,644.4 | 489,064.2 | 335,949.7 | 165,585.4 | 98,844.9 | 67,433.4 | 19,870.5 | 32,256.6 | 39,936.7 | 112,861.5 | 50,252.9 | 1,952,700.1 | | Provisiones por incobrabilidad de cartera de creditos | -833,526.1 | -668,012.4 | -896,745.1 | -372,529.5 | -243,719.3 | -117,651.7 | -11,097.5 | -53,974.5 | -37,163.3 | -45,041.7 | -20,768.0 | -3,300,229.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 158,795.9 | 334,071.2 | 88,540.4 | 74,933.9 | 24,972.4 | 8,073.0 | 169,118.9 | 31,735.8 | 501.0 | 1,240.2 | 13,282.1 | 905,264.7 | | Bienes de uso, neto | 995,731.4 | 513,940.7 | 681,649.4 | 159,939.9 | 140,371.4 | 238,754.1 | 19,922.2 | 43,916.2 | 47,927.5 | 47,949.9 | 47,817.1 | 2,937,919.7 | | Bienes recibidos en recuperacion de creditos, neto | 29,545.1 | 291,606.3 | 8,321.8 | 27,562.1 | 515.4 | 14,789.2 | 0.0 | 4,155.9 | 1,567.9 | 718.6 | 0.0 | 378,782.3 | | Invesiones permanentes en acciones | 182,413.4 | 652,350.6 | 68,509.0 | 19,702.1 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 936,475.1 | | Otros activos neto | 283,095.3 | 435,308.1 | 147,343.3 | 141,456.2 | 119,048.1 | 76,787.0 | 77,700.3 | 45,438.8 | 37,213.4 | 47,312.8 | 51,499.1 | 1,462,202.3 | | Pasivo | 55,226,477.9 | 46,386,638.9 | 41,840,106.0 | 19,876,753.9 | 9,772,969.0 | 4,363,497.5 | 4,606,430.5 | 1,564,243.3 | 1,194,247.4 | 1,631,445.2 | 1,511,006.6 | 187,973,816.2 | | Obligaciones con el Público | 48,901,945.5 | 35,725,752.3 | 35,111,607.7 | 13,323,997.2 | 6,580,202.4 | 2,995,225.4 | 4,528,528.7 | 183,067.0 | 0.0 | 26,624.9 | 0.0 | 147,376,951.2 | | Moneda Nacional | 15,080,179.0 | 8,596,727.2 | 7,555,687.5 | 2,290,365.5 | 631,512.2 | 476,703.0 | 1,671,116.1 | 0.0 | 0.0 | 0.0 | 0.0 | 36,302,290.5 | | Depositos a la Vista | 7,416,006.1 | 4,791,614.0 | 4,994,929.4 | 447,225.4 | 464,073.6 | 244,984.7 | 1,662,914.5 | 0.0 | 0.0 | 0.0 | 0.0 | 20,021,747.7 | | Depositos de Ahorro | 6,612,217.7 | 3,299,125.7 | 2,280,629.2 | 1,591,630.3 | 150,057.8 | 186,854.7 | 7,998.4 | 0.0 | 0.0 | 0.0 | 0.0 | 14,128,513.6 | | Depositos a Plazo | 1,051,955.2 | 505,987.5 | 280,128.9 | 251,509.9 | 17,380.8 | 44,863.6 | 203.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,152,029.3 | | 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 | 33,318,399.2 | 26,663,246.5 | 27,031,899.0 | 10,222,944.2 | 5,803,555.0 | 2,466,865.8 | 2,842,927.4 | 0.0 | 0.0 | 0.0 | 0.0 | 108,349,837.0 | | Depositos a la Vista | 10,957,931.3 | 8,599,809.7 | 8,432,916.0 | 743,638.9 | 1,203,519.6 | 362,153.3 | 2,289,321.3 | 0.0 | 0.0 | 0.0 | 0.0 | 32,589,290.1 | | Depositos de Ahorro | 14,158,513.2 | 10,535,620.0 | 11,243,085.4 | 5,040,857.9 | 1,671,785.9 | 981,610.8 | 255,213.9 | 0.0 | 0.0 | 0.0 | 0.0 | 43,886,687.0 | | Depositos a Plazo | 8,201,954.6 | 7,527,816.9 | 7,355,897.5 | 4,438,447.4 | 2,928,249.6 | 1,123,101.6 | 298,392.2 | 0.0 | 0.0 | 0.0 | 0.0 | 31,873,859.8 | | 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 | 329,722.7 | 310,823.7 | 370,646.8 | 691,526.8 | 76,515.0 | 32,805.6 | 4,596.9 | 180,947.8 | 0.0 | 26,517.1 | 0.0 | 2,024,102.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 173,644.7 | 154,954.9 | 153,374.4 | 119,160.8 | 68,620.2 | 18,851.1 | 9,888.3 | 2,119.1 | 0.0 | 107.8 | 0.0 | 700,721.3 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,148,873.2 | 8,372,980.5 | 5,500,266.6 | 5,638,078.0 | 2,336,540.7 | 1,033,455.4 | 9,671.9 | 1,295,309.5 | 992,300.9 | 1,494,871.0 | 1,365,220.2 | 33,187,567.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 75,955.9 | 180,343.5 | 85,951.3 | 329,228.1 | 292,038.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 963,516.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 908,824.0 | 1,355,538.9 | 147,479.2 | 1,126,514.0 | 239,106.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,777,462.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 337,099.5 | 0.0 | 0.0 | 350,445.6 | 379,649.4 | 0.0 | 0.0 | 0.0 | 867,983.5 | 0.0 | 788,093.7 | 2,723,271.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,826,993.9 | 6,837,098.2 | 5,266,836.1 | 3,831,890.2 | 1,425,747.2 | 1,033,455.4 | 9,671.9 | 1,295,309.5 | 124,317.4 | 1,494,871.0 | 577,126.5 | 25,723,317.2 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 394,646.2 | 192,121.8 | 0.0 | 148,946.0 | 219,963.4 | 22,231.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 977,909.3 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 339,257.7 | 0.0 | 350,606.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 689,864.5 | | Otras cuentas por pagar | 228,655.2 | 403,415.1 | 224,952.5 | 46,869.9 | 101,407.7 | 23,658.0 | 36,145.0 | 14,052.7 | 61,055.9 | 18,411.1 | 27,740.3 | 1,186,363.4 | | Otros pasivos y provisiones | 552,357.8 | 740,978.0 | 664,021.5 | 224,883.3 | 184,248.1 | 108,147.1 | 32,084.9 | 71,814.2 | 51,485.5 | 31,652.0 | 29,631.6 | 2,691,303.9 | | Obligaciones subordinadas | 0.0 | 951,391.1 | 0.0 | 493,979.5 | 0.0 | 180,779.6 | 0.0 | 0.0 | 89,405.1 | 59,886.2 | 88,414.5 | 1,863,856.0 | | 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 | 6,136,242.1 | 5,897,707.3 | 6,951,348.5 | 2,009,570.0 | 1,278,488.4 | 521,130.1 | 594,660.1 | 354,666.7 | 245,483.5 | 294,894.5 | 390,030.1 | 24,674,221.3 | | Capital social pagado | 3,213,500.0 | 2,972,800.0 | 2,790,361.1 | 979,500.0 | 732,497.5 | 809,084.2 | 524,600.0 | 266,365.0 | 185,210.0 | 259,500.1 | 249,655.7 | 12,983,073.6 | | Capital donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 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 | 157,825.1 | 166,022.2 | | 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 | -30.4 | 2,883.7 | -2,000.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 852.8 | | 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 | -10,653.7 | 11,706.5 | 34,732.5 | 362.1 | -8,858.8 | 3,615,495.5 | | Resultados del Periodo | 1,168,392.9 | 1,145,953.4 | 1,211,631.0 | 347,432.8 | 45,751.3 | 51,101.6 | 80,713.8 | 58,966.2 | 19,007.3 | 25,651.2 | -8,591.9 | 4,146,009.7 | | Cuentas contingentes | 20,374,159.5 | 7,824,046.9 | 10,123,388.5 | 1,371,954.1 | 7,044,752.4 | 18,726.1 | 33,027.5 | 0.0 | 163,793.6 | 0.0 | 0.0 | 46,953,848.6 | | Cuentas de orden | 88,039,691.1 | 36,532,479.2 | 246,873,292.4 | 45,443,148.8 | 11,410,587.7 | 11,397,092.0 | 45,698,245.7 | 2,758,521.7 | 2,615,718.2 | 2,019,645.1 | 1,031,634.0 | 493,820,056.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2015 C$ 27.8128 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2016 C$ 29.2038 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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