| 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 | 64,440,428.6 | 54,283,529.1 | 49,717,478.0 | 22,084,162.9 | 12,266,316.8 | 5,040,501.0 | 5,491,658.6 | 1,935,712.6 | 1,432,448.9 | 1,771,945.3 | 2,121,040.5 | 220,585,222.3 | | Disponibilidades | 16,529,982.0 | 9,437,374.6 | 11,781,825.9 | 3,624,019.5 | 2,450,006.8 | 992,820.4 | 3,040,076.7 | 84,518.5 | 72,708.5 | 144,015.2 | 232,494.6 | 48,389,842.9 | | Moneda Nacional | 5,370,643.6 | 2,686,129.4 | 3,011,667.3 | 722,667.7 | 674,027.2 | 264,137.3 | 988,232.1 | 57,521.4 | 51,169.1 | 108,562.0 | 130,032.4 | 14,064,789.4 | | Caja | 1,691,755.4 | 1,107,595.7 | 1,613,334.5 | 161,664.4 | 114,583.3 | 143,999.0 | 31,676.4 | 10,341.0 | 20,808.2 | 27,444.3 | 67,575.3 | 4,990,777.4 | | Banco Central de Nicaragua | 3,512,577.9 | 1,402,285.3 | 1,200,688.7 | 440,630.0 | 546,815.5 | 113,520.7 | 955,799.9 | 18,232.3 | 0.0 | 100.0 | 0.0 | 8,190,650.4 | | Depositos e Instituciones Financieras del Pais | 5,047.6 | 55.0 | 6,802.6 | 38,351.5 | 6,711.3 | 3,232.3 | 0.0 | 28,948.1 | 30,360.9 | 80,559.9 | 62,457.1 | 262,526.3 | | Otras disponibilidades | 161,262.8 | 176,193.3 | 190,841.5 | 82,021.7 | 5,917.0 | 3,385.4 | 755.8 | 0.0 | 0.0 | 457.8 | 0.0 | 620,835.3 | | | | | | | | | | | | | | | | Moneda Extranjera | 11,159,338.3 | 6,751,245.2 | 8,770,158.6 | 2,901,351.9 | 1,775,979.7 | 728,683.2 | 2,051,844.7 | 26,997.0 | 21,539.4 | 35,453.2 | 102,462.2 | 34,325,053.5 | | Caja | 954,896.4 | 510,862.2 | 2,104,488.2 | 196,639.0 | 126,344.9 | 172,744.2 | 17,237.5 | 8,418.0 | 9,500.7 | 7,918.9 | 22,522.4 | 4,131,572.5 | | Banco Central de Nicaragua | 6,437,205.3 | 4,565,718.2 | 4,907,580.6 | 1,862,672.5 | 1,287,769.8 | 481,367.4 | 1,886,501.7 | 11,670.1 | 0.0 | 7,361.6 | 0.0 | 21,447,847.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 319,052.9 | 0.0 | 1,892.8 | 137,592.8 | 6,908.9 | 12,038.7 | 20,172.7 | 79,939.8 | 577,598.6 | | Depositos en Instituciones Financieras del exterior | 3,605,599.4 | 1,276,074.6 | 1,656,141.7 | 474,121.7 | 233,599.2 | 66,108.4 | 10,490.2 | 0.0 | 0.0 | 0.0 | 0.0 | 7,322,135.2 | | Otras disponibilidades | 161,637.3 | 398,590.3 | 101,948.2 | 48,865.8 | 128,265.7 | 6,570.3 | 22.5 | 0.0 | 0.0 | 0.0 | 0.0 | 845,900.1 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 7,783,126.0 | 7,010,901.7 | 1,209,899.6 | 986,299.1 | 1,235,967.1 | 0.0 | 796,219.3 | 0.0 | 0.0 | 0.0 | 41.8 | 19,022,454.6 | | 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 | 516,933.7 | 4,976,468.7 | 1,209,899.6 | 217,789.1 | 1,235,967.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,157,058.2 | | Inversiones Mantenidas Hasta el Vencimiento | 7,266,192.2 | 2,034,433.1 | 0.0 | 768,510.0 | 0.0 | 0.0 | 796,219.3 | 0.0 | 0.0 | 0.0 | 41.8 | 10,865,396.4 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 99,482.8 | 300,157.1 | 0.0 | 101,394.0 | 344,578.3 | 0.0 | 360,375.4 | 0.0 | 0.0 | 30,055.5 | 0.0 | 1,236,043.1 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 38,266,346.3 | 35,095,054.4 | 35,736,836.1 | 16,930,565.2 | 7,882,402.3 | 3,676,955.3 | 1,205,752.2 | 1,718,296.6 | 1,287,177.5 | 1,499,194.9 | 1,781,182.5 | 145,079,763.2 | | Créditos vigentes | 37,264,241.1 | 34,303,453.9 | 35,707,823.0 | 16,666,029.2 | 7,765,346.6 | 3,621,334.5 | 1,180,178.8 | 1,702,913.5 | 1,246,085.9 | 1,435,064.9 | 1,749,840.1 | 142,642,311.5 | | Créditos prorrogados | 225,829.3 | 45,705.7 | 9,479.0 | 8,744.5 | 0.0 | 0.0 | 5,119.2 | 0.0 | 4,720.1 | 0.0 | 0.0 | 299,597.8 | | Créditos reestructurados | 676,560.9 | 682,299.3 | 125,719.3 | 239,304.6 | 109,231.8 | 73,861.9 | 0.0 | 16,173.2 | 17,457.6 | 191.6 | 0.0 | 1,940,800.1 | | Créditos vencidos | 199,928.2 | 132,261.0 | 234,604.3 | 160,177.8 | 92,595.0 | 21,838.6 | 5,916.7 | 18,973.3 | 12,412.1 | 23,947.8 | 2,185.6 | 904,840.2 | | Créditos en cobro judicial | 86,382.9 | 90,148.7 | 162,644.5 | 71,083.9 | 2,539.0 | 6,182.9 | 0.0 | 1,430.2 | 4,914.3 | 529.8 | 0.0 | 425,856.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 602,380.5 | 517,085.7 | 368,922.9 | 171,056.7 | 161,240.6 | 71,403.8 | 28,076.3 | 36,625.0 | 39,061.7 | 87,951.0 | 55,414.3 | 2,139,218.4 | | Provisiones por incobrabilidad de cartera de creditos | -788,976.5 | -675,899.8 | -872,356.9 | -385,831.4 | -248,550.7 | -117,666.4 | -13,538.7 | -57,818.6 | -37,474.2 | -48,490.1 | -26,257.5 | -3,272,860.8 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 118,271.3 | 326,698.3 | 97,969.4 | 76,453.8 | 13,876.7 | 6,604.1 | 8,629.8 | 37,657.3 | 516.9 | 1,704.1 | 9,069.9 | 697,451.7 | | Bienes de uso, neto | 1,136,714.6 | 543,083.3 | 679,704.0 | 157,563.5 | 143,660.9 | 234,762.8 | 19,634.1 | 44,961.2 | 48,005.2 | 46,551.2 | 45,374.8 | 3,100,015.6 | | Bienes recibidos en recuperacion de creditos, neto | 31,448.0 | 255,229.5 | 7,744.1 | 25,106.0 | 515.4 | 14,789.2 | 0.0 | 4,580.8 | 777.5 | 1,501.5 | 0.0 | 341,692.0 | | Invesiones permanentes en acciones | 201,926.6 | 884,517.6 | 68,770.5 | 21,408.4 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,190,123.1 | | Otros activos neto | 273,131.0 | 430,512.5 | 134,728.6 | 161,353.4 | 188,559.2 | 107,819.1 | 60,971.0 | 45,698.2 | 23,263.2 | 48,923.0 | 52,876.8 | 1,527,836.1 | | Pasivo | 57,973,038.9 | 47,919,499.0 | 43,039,783.1 | 20,016,076.8 | 10,853,297.0 | 4,505,901.6 | 4,932,858.7 | 1,564,349.6 | 1,186,693.4 | 1,476,779.7 | 1,646,726.6 | 195,115,004.5 | | Obligaciones con el Público | 50,079,585.9 | 37,351,512.1 | 35,742,253.4 | 13,764,202.8 | 7,000,145.7 | 3,177,887.5 | 4,888,968.2 | 196,128.5 | 0.0 | 41,545.1 | 0.0 | 152,242,229.4 | | Moneda Nacional | 14,352,389.4 | 9,532,462.6 | 7,481,788.9 | 2,085,917.5 | 716,679.0 | 459,199.2 | 1,839,592.8 | 0.0 | 0.0 | 0.0 | 0.0 | 36,468,029.5 | | Depositos a la Vista | 6,890,674.0 | 5,443,350.9 | 4,766,649.5 | 395,945.3 | 517,241.6 | 215,259.1 | 1,822,567.9 | 0.0 | 0.0 | 0.0 | 0.0 | 20,051,688.3 | | Depositos de Ahorro | 6,542,025.9 | 3,453,893.2 | 2,338,041.3 | 1,436,060.8 | 179,676.8 | 198,471.0 | 6,818.5 | 0.0 | 0.0 | 0.0 | 0.0 | 14,154,987.6 | | Depositos a Plazo | 919,689.5 | 635,218.5 | 377,098.1 | 253,911.5 | 19,760.6 | 45,469.1 | 10,206.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,261,353.6 | | 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 | 35,011,370.7 | 27,421,253.0 | 27,426,308.9 | 10,905,609.2 | 6,145,183.1 | 2,658,690.5 | 2,985,792.4 | 0.0 | 0.0 | 0.0 | 0.0 | 112,554,207.6 | | Depositos a la Vista | 11,425,951.6 | 8,583,218.5 | 8,503,643.2 | 809,081.5 | 1,336,161.4 | 494,676.5 | 2,452,949.1 | 0.0 | 0.0 | 0.0 | 0.0 | 33,605,681.8 | | Depositos de Ahorro | 14,853,106.6 | 11,213,116.8 | 11,490,469.4 | 5,480,039.3 | 1,653,884.1 | 1,038,737.2 | 259,462.1 | 0.0 | 0.0 | 0.0 | 0.0 | 45,988,815.6 | | Depositos a Plazo | 8,732,312.5 | 7,624,917.6 | 7,432,196.3 | 4,616,488.4 | 3,155,137.5 | 1,125,276.8 | 273,381.2 | 0.0 | 0.0 | 0.0 | 0.0 | 32,959,710.3 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 533,604.8 | 252,100.2 | 679,727.6 | 648,586.4 | 75,338.9 | 41,199.8 | 60,772.4 | 194,133.8 | 0.0 | 41,372.3 | 0.0 | 2,526,836.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 182,221.0 | 145,696.3 | 154,428.1 | 124,089.7 | 62,944.8 | 18,797.9 | 2,810.7 | 1,994.7 | 0.0 | 172.8 | 0.0 | 693,156.0 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,841,311.2 | 8,418,708.0 | 6,529,541.9 | 5,381,841.1 | 2,735,231.3 | 986,161.3 | 9,862.7 | 1,289,241.8 | 990,196.0 | 1,320,116.9 | 1,484,122.3 | 34,986,334.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 74,750.5 | 175,697.1 | 84,786.1 | 293,370.2 | 294,465.0 | 0.0 | 0.0 | 0.0 | 0.0 | 59,997.2 | 0.0 | 983,066.2 | | Préstamos del Banco Centroaméricano de Integración Económica | 845,671.2 | 1,333,004.9 | 146,864.4 | 782,394.2 | 235,572.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,343,506.8 | | Préstamos de Otras Instituciones Financieras del Exterior | 315,651.2 | 0.0 | 1,030,627.5 | 353,358.0 | 382,804.5 | 0.0 | 0.0 | 0.0 | 858,662.9 | 0.0 | 794,643.2 | 3,735,747.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,605,238.3 | 6,910,005.9 | 5,267,263.8 | 3,952,718.7 | 1,822,389.8 | 986,161.3 | 9,862.7 | 1,289,241.8 | 131,533.1 | 1,260,119.7 | 689,479.1 | 26,924,014.2 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 426,280.8 | 180,460.6 | 0.0 | 149,086.5 | 210,765.3 | 22,511.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 989,104.9 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 590,704.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 590,704.8 | | Otras cuentas por pagar | 230,465.2 | 351,539.0 | 195,491.7 | 44,960.2 | 142,337.3 | 37,083.7 | 14,718.6 | 15,163.7 | 47,580.4 | 22,197.6 | 42,988.6 | 1,144,526.0 | | Otros pasivos y provisiones | 508,110.4 | 704,963.2 | 572,496.1 | 182,387.6 | 174,112.7 | 99,976.0 | 19,309.2 | 63,815.5 | 57,191.6 | 33,039.4 | 31,202.6 | 2,446,604.3 | | Obligaciones subordinadas | 887,285.4 | 912,316.1 | 0.0 | 493,598.5 | 0.0 | 182,281.3 | 0.0 | 0.0 | 91,725.5 | 59,880.6 | 88,413.1 | 2,715,500.6 | | 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 | 6,467,389.7 | 6,364,030.1 | 6,677,694.9 | 2,068,086.0 | 1,413,019.7 | 534,599.4 | 558,799.9 | 371,363.0 | 245,755.5 | 295,165.6 | 474,313.9 | 25,470,217.8 | | 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 | -276.4 | 9,823.1 | -734.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,812.4 | | Reservas patrimoniales | 1,206,744.8 | 1,246,868.3 | 1,279,405.8 | 387,110.5 | 272,362.0 | 56,572.1 | 0.0 | 27,886.2 | 8,831.5 | 4,913.5 | 0.0 | 4,490,694.7 | | Resultados acumulados de ejercicios anteriores | 1,929,570.5 | 2,023,002.1 | 2,460,465.5 | 671,753.7 | 287,227.9 | -338,845.0 | 34,687.0 | 69,831.0 | 47,753.7 | 21,129.1 | -11,802.8 | 7,194,772.6 | | Resultados del Periodo | 117,850.8 | 111,536.1 | 148,196.7 | 29,721.9 | 47,639.4 | 7,782.8 | -487.1 | 7,280.8 | 3,960.2 | 1,426.6 | 7,059.9 | 481,968.2 | | Cuentas contingentes | 20,960,074.6 | 8,716,202.6 | 8,770,340.2 | 1,395,710.8 | 6,693,658.2 | 15,343.5 | 33,958.5 | 0.0 | 177,600.0 | 0.0 | 0.0 | 46,762,888.5 | | Cuentas de orden | 90,774,638.2 | 35,787,355.2 | 223,585,617.2 | 45,786,646.8 | 11,687,011.7 | 11,602,397.6 | 46,208,121.6 | 2,844,735.3 | 2,745,785.3 | 1,822,289.9 | 1,191,334.2 | 474,035,932.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2016 C$ 28.0439 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2017 C$ 29.4465 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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