| 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 | 62,711,106.4 | 55,199,447.5 | 48,932,032.8 | 21,802,523.3 | 11,858,923.2 | 5,080,390.1 | 4,902,764.1 | 1,923,086.6 | 1,441,441.7 | 1,940,946.8 | 1,993,646.9 | 217,786,309.6 | | Disponibilidades | 15,300,076.8 | 8,763,590.2 | 11,222,463.0 | 3,464,743.8 | 2,997,398.9 | 989,927.3 | 2,446,053.5 | 82,497.4 | 88,243.1 | 89,892.7 | 196,620.6 | 45,641,507.3 | | Moneda Nacional | 4,550,481.0 | 2,484,675.1 | 2,913,244.3 | 639,791.6 | 911,918.8 | 301,070.9 | 984,060.0 | 54,493.2 | 28,743.0 | 47,326.7 | 102,353.6 | 13,018,158.0 | | Caja | 1,323,884.3 | 867,535.9 | 1,677,327.0 | 184,776.6 | 98,404.4 | 125,248.3 | 15,198.1 | 8,456.3 | 15,434.3 | 20,895.2 | 50,022.4 | 4,387,182.9 | | Banco Central de Nicaragua | 3,214,636.5 | 1,592,575.8 | 1,208,929.1 | 375,419.0 | 801,936.4 | 173,352.7 | 968,861.9 | 28,232.4 | 0.0 | 100.0 | 0.0 | 8,364,043.8 | | Depositos e Instituciones Financieras del Pais | 10,125.8 | 58.7 | 3,952.1 | 79,596.0 | 11,570.1 | 2,358.4 | 0.0 | 17,804.5 | 13,308.7 | 26,325.1 | 52,331.2 | 217,430.5 | | Otras disponibilidades | 1,834.4 | 24,504.6 | 23,036.2 | 0.0 | 7.8 | 111.5 | 0.0 | 0.0 | 0.0 | 6.4 | 0.0 | 49,500.9 | | | | | | | | | | | | | | | | Moneda Extranjera | 10,749,595.8 | 6,278,915.1 | 8,309,218.7 | 2,824,952.3 | 2,085,480.2 | 688,856.4 | 1,461,993.5 | 28,004.2 | 59,500.1 | 42,566.0 | 94,266.9 | 32,623,349.2 | | Caja | 812,975.0 | 546,070.2 | 1,830,714.1 | 266,068.0 | 88,639.0 | 140,925.6 | 14,634.7 | 7,172.2 | 4,833.4 | 4,992.1 | 20,144.7 | 3,737,169.1 | | Banco Central de Nicaragua | 7,747,398.3 | 3,800,962.5 | 4,584,635.1 | 1,797,119.7 | 1,779,967.4 | 503,858.9 | 1,302,045.9 | 9,862.3 | 0.0 | 5,864.9 | 0.0 | 21,531,715.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 264,926.6 | 0.0 | 370.3 | 136,658.3 | 10,969.7 | 54,666.7 | 31,709.0 | 74,122.2 | 573,422.8 | | Depositos en Instituciones Financieras del exterior | 2,189,005.7 | 1,660,877.3 | 1,893,733.5 | 461,888.0 | 102,241.5 | 40,769.1 | 8,654.6 | 0.0 | 0.0 | 0.0 | 0.0 | 6,357,169.8 | | Otras disponibilidades | 216.8 | 271,005.2 | 136.0 | 34,949.9 | 114,632.2 | 2,932.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 423,872.6 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 7,517,954.2 | 9,745,182.9 | 1,198,690.0 | 931,374.3 | 897,529.8 | 0.0 | 646,336.3 | 0.0 | 0.0 | 150,808.0 | 41.5 | 21,087,917.1 | | 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 | 293,198.6 | 7,690,750.8 | 1,198,690.0 | 171,320.0 | 897,529.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,251,489.2 | | Inversiones Mantenidas Hasta el Vencimiento | 7,224,755.6 | 2,054,432.1 | 0.0 | 760,054.3 | 0.0 | 0.0 | 646,336.3 | 0.0 | 0.0 | 150,808.0 | 41.5 | 10,836,427.9 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 73,674.9 | 196,228.3 | 0.0 | 1,324.5 | 99,092.9 | 0.0 | 521,603.1 | 0.0 | 0.0 | 23,643.0 | 0.0 | 915,566.6 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 38,063,246.1 | 34,145,005.2 | 35,558,378.9 | 16,983,846.6 | 7,594,113.9 | 3,703,912.3 | 1,199,243.9 | 1,712,232.1 | 1,280,603.7 | 1,582,272.3 | 1,687,550.7 | 143,510,405.6 | | Créditos vigentes | 37,125,340.0 | 33,382,169.5 | 35,589,156.4 | 16,727,418.5 | 7,534,363.9 | 3,643,627.8 | 1,182,294.1 | 1,698,181.5 | 1,237,521.5 | 1,488,736.3 | 1,651,367.5 | 141,260,176.9 | | Créditos prorrogados | 208,899.6 | 40,187.2 | 9,872.2 | 7,120.9 | 0.0 | 0.0 | 5,158.3 | 0.0 | 4,659.8 | 0.0 | 0.0 | 275,898.1 | | Créditos reestructurados | 655,488.7 | 675,099.5 | 120,903.7 | 236,496.4 | 106,254.4 | 75,874.7 | 0.0 | 15,467.5 | 16,893.5 | 192.9 | 0.0 | 1,902,671.3 | | Créditos vencidos | 189,669.2 | 126,841.7 | 219,777.0 | 154,504.3 | 99,526.2 | 21,803.9 | 0.0 | 17,236.3 | 12,098.4 | 22,757.2 | 1,246.5 | 865,460.6 | | Créditos en cobro judicial | 72,823.9 | 84,691.9 | 160,636.7 | 71,764.3 | 2,528.5 | 5,537.0 | 0.0 | 1,801.3 | 4,934.1 | 527.6 | 0.0 | 405,245.4 | | Intereses y Comisiones por Cobrar sobre Creditos | 570,151.0 | 488,541.5 | 343,646.6 | 166,106.9 | 95,516.4 | 72,530.4 | 25,336.6 | 34,503.9 | 41,527.8 | 115,713.6 | 58,566.2 | 2,012,141.0 | | Provisiones por incobrabilidad de cartera de creditos | -759,126.3 | -652,526.3 | -885,613.7 | -379,564.7 | -244,075.6 | -115,461.5 | -13,545.1 | -54,958.3 | -37,031.6 | -45,655.2 | -23,629.4 | -3,211,187.7 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 168,538.9 | 339,893.2 | 85,207.6 | 76,851.1 | 10,869.3 | 37,031.6 | 7,464.6 | 37,760.8 | 516.7 | 1,982.3 | 10,058.2 | 776,174.4 | | Bienes de uso, neto | 1,135,288.2 | 523,332.2 | 682,272.4 | 157,865.8 | 143,069.7 | 236,673.1 | 19,334.8 | 44,671.6 | 48,565.8 | 47,059.9 | 47,227.7 | 3,085,361.2 | | Bienes recibidos en recuperacion de creditos, neto | 29,637.4 | 277,274.4 | 7,744.1 | 27,034.7 | 515.4 | 14,789.2 | 0.0 | 4,039.4 | 1,240.8 | 1,501.5 | 0.0 | 363,776.9 | | Invesiones permanentes en acciones | 201,926.6 | 884,517.6 | 68,279.7 | 20,243.3 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,188,467.2 | | Otros activos neto | 220,763.2 | 324,423.4 | 108,997.3 | 139,239.2 | 109,583.3 | 91,306.6 | 62,728.0 | 41,885.2 | 22,271.7 | 43,787.2 | 52,148.2 | 1,217,133.3 | | Pasivo | 56,361,314.2 | 48,949,574.6 | 42,404,048.2 | 19,764,159.2 | 10,493,542.8 | 4,553,573.5 | 4,343,477.2 | 1,559,004.4 | 1,199,646.5 | 1,645,400.8 | 1,526,393.0 | 192,800,134.4 | | Obligaciones con el Público | 48,932,518.1 | 36,111,001.5 | 34,947,563.7 | 13,336,246.8 | 6,801,625.2 | 3,180,347.9 | 4,298,852.4 | 188,681.5 | 0.0 | 34,050.6 | 0.0 | 147,830,887.8 | | Moneda Nacional | 13,545,786.5 | 8,709,259.0 | 7,841,358.7 | 1,899,092.3 | 705,904.5 | 473,118.2 | 1,698,126.8 | 0.0 | 0.0 | 0.0 | 0.0 | 34,872,646.1 | | Depositos a la Vista | 6,315,081.2 | 4,888,079.0 | 5,243,117.3 | 339,664.7 | 535,937.1 | 225,260.7 | 1,691,904.3 | 0.0 | 0.0 | 0.0 | 0.0 | 19,239,044.4 | | Depositos de Ahorro | 6,385,788.5 | 3,290,710.2 | 2,241,593.8 | 1,306,877.0 | 150,313.8 | 202,810.9 | 6,018.3 | 0.0 | 0.0 | 0.0 | 0.0 | 13,584,112.5 | | Depositos a Plazo | 844,916.8 | 530,469.8 | 356,647.6 | 252,550.6 | 19,653.6 | 45,046.5 | 204.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,049,489.1 | | 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 | 34,694,493.1 | 27,027,262.2 | 26,620,027.1 | 10,688,151.9 | 5,987,064.1 | 2,659,232.9 | 2,595,194.5 | 0.0 | 0.0 | 0.0 | 0.0 | 110,271,425.8 | | Depositos a la Vista | 11,613,161.3 | 8,483,732.1 | 8,017,330.8 | 702,840.2 | 1,178,920.8 | 507,917.6 | 2,067,205.4 | 0.0 | 0.0 | 0.0 | 0.0 | 32,571,108.1 | | Depositos de Ahorro | 14,690,456.2 | 11,011,399.3 | 11,438,489.0 | 5,461,268.3 | 1,679,595.2 | 1,034,362.4 | 256,513.3 | 0.0 | 0.0 | 0.0 | 0.0 | 45,572,083.7 | | Depositos a Plazo | 8,390,875.6 | 7,532,130.9 | 7,164,207.4 | 4,524,043.4 | 3,128,548.1 | 1,116,952.9 | 271,475.8 | 0.0 | 0.0 | 0.0 | 0.0 | 32,128,234.0 | | 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 | 513,060.0 | 217,813.2 | 336,827.4 | 629,969.4 | 36,350.1 | 29,188.3 | 3,853.8 | 187,517.1 | 0.0 | 33,899.4 | 0.0 | 1,988,478.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 179,178.5 | 156,667.1 | 149,350.5 | 119,033.1 | 72,306.5 | 18,808.4 | 1,677.3 | 1,164.4 | 0.0 | 151.3 | 0.0 | 698,337.1 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,835,956.9 | 10,763,373.1 | 6,479,424.6 | 5,577,607.8 | 2,716,410.6 | 1,037,414.6 | 9,766.9 | 1,295,145.5 | 1,003,825.4 | 1,502,284.4 | 1,374,423.8 | 37,595,633.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 75,364.1 | 177,672.4 | 85,502.0 | 311,391.6 | 293,247.0 | 0.0 | 0.0 | 0.0 | 0.0 | 59,749.1 | 0.0 | 1,002,926.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 904,375.3 | 1,343,522.1 | 146,256.9 | 972,836.2 | 240,096.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,607,086.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 314,345.6 | 0.0 | 1,026,364.5 | 351,896.4 | 381,221.1 | 0.0 | 0.0 | 0.0 | 889,024.6 | 0.0 | 791,356.4 | 3,754,208.5 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,541,871.9 | 9,242,178.5 | 5,221,301.1 | 3,941,483.6 | 1,801,846.5 | 1,037,414.6 | 9,766.9 | 1,295,145.5 | 114,800.8 | 1,442,535.3 | 583,067.4 | 29,231,412.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 424,329.3 | 168,774.0 | 0.0 | 149,267.8 | 221,972.5 | 22,372.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 986,715.9 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 495,931.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 495,931.5 | | Otras cuentas por pagar | 405,059.3 | 380,917.9 | 432,829.0 | 46,908.2 | 102,869.3 | 33,883.1 | 15,662.0 | 15,661.6 | 50,093.2 | 19,861.9 | 28,076.3 | 1,531,821.8 | | Otros pasivos y provisiones | 469,593.6 | 621,489.3 | 544,231.0 | 165,798.6 | 154,733.8 | 99,330.7 | 19,195.9 | 59,515.8 | 55,167.3 | 30,128.9 | 34,354.8 | 2,253,539.7 | | Obligaciones subordinadas | 293,857.0 | 904,018.7 | 0.0 | 488,330.0 | 0.0 | 180,225.0 | 0.0 | 0.0 | 90,560.7 | 59,074.9 | 89,538.1 | 2,105,604.2 | | 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 | 6,349,792.2 | 6,249,872.9 | 6,527,984.6 | 2,038,364.1 | 1,365,380.4 | 526,816.6 | 559,287.0 | 364,082.2 | 241,795.3 | 295,546.1 | 467,253.9 | 24,986,175.2 | | Capital social pagado | 3,213,500.0 | 2,972,800.0 | 2,790,361.1 | 979,500.0 | 805,790.5 | 809,089.3 | 524,600.0 | 266,365.0 | 185,210.0 | 259,500.1 | 458,953.5 | 13,265,669.5 | | 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 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 8,196.3 | 20,103.3 | 28,300.4 | | 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 | -23.2 | 7,201.9 | -2,247.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,931.0 | | Reservas patrimoniales | 1,206,744.8 | 1,246,868.3 | 1,072,977.0 | 387,110.5 | 263,459.5 | 48,054.6 | 0.0 | 17,628.9 | 8,831.5 | 1,184.8 | 0.0 | 4,252,859.9 | | Resultados acumulados de ejercicios anteriores | 547,634.8 | 529,201.3 | 1,290,701.9 | 295,526.7 | 236,780.1 | -387,110.5 | -10,653.7 | 11,706.5 | 32,434.6 | 362.1 | -8,858.8 | 2,537,725.1 | | Resultados del Periodo | 1,381,935.7 | 1,493,800.8 | 1,376,192.5 | 376,226.9 | 59,350.3 | 56,783.0 | 45,340.7 | 68,381.7 | 15,319.1 | 26,302.7 | -2,944.0 | 4,896,689.3 | | Cuentas contingentes | 20,835,238.5 | 8,539,415.1 | 10,979,845.8 | 1,389,263.1 | 6,642,907.1 | 15,281.1 | 33,087.4 | 0.0 | 172,499.8 | 0.0 | 0.0 | 48,607,537.9 | | Cuentas de orden | 89,908,848.4 | 38,733,672.6 | 219,461,229.2 | 45,723,991.9 | 11,380,477.6 | 11,511,361.4 | 45,684,642.8 | 2,764,899.1 | 2,657,826.8 | 2,022,288.7 | 1,119,877.8 | 470,969,116.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2015 C$ 27.9283 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2016 C$ 29.3247 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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