| 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 | 66,252,147.7 | 55,283,204.8 | 52,359,620.2 | 22,351,780.3 | 12,189,056.1 | 5,139,039.0 | 4,976,117.0 | 1,949,641.5 | 1,470,364.7 | 1,790,511.4 | 2,308,375.2 | 226,069,857.9 | | Disponibilidades | 15,924,527.3 | 9,654,164.4 | 14,707,048.2 | 3,691,503.2 | 2,309,232.1 | 1,075,381.2 | 2,829,985.1 | 98,676.7 | 103,997.6 | 137,023.4 | 276,039.1 | 50,807,578.2 | | Moneda Nacional | 5,378,091.0 | 2,710,182.1 | 3,771,325.3 | 798,261.5 | 456,570.9 | 370,122.4 | 1,005,027.5 | 64,528.0 | 83,326.9 | 95,165.1 | 105,920.1 | 14,838,520.6 | | Caja | 1,659,786.8 | 1,141,381.9 | 1,690,761.6 | 173,071.0 | 165,515.8 | 148,002.2 | 28,575.8 | 12,509.1 | 24,620.4 | 21,314.2 | 53,868.0 | 5,119,406.8 | | Banco Central de Nicaragua | 3,562,147.9 | 1,388,524.1 | 1,897,978.7 | 454,706.2 | 283,733.2 | 214,858.1 | 976,300.1 | 35,232.0 | 0.0 | 100.0 | 0.0 | 8,813,580.3 | | Depositos e Instituciones Financieras del Pais | 4,359.2 | 281.8 | 8,974.0 | 114,749.6 | 5,124.4 | 1,358.8 | 0.0 | 16,786.9 | 58,706.4 | 73,638.6 | 52,052.1 | 336,031.9 | | Otras disponibilidades | 151,797.2 | 179,994.3 | 173,611.0 | 55,734.7 | 2,197.4 | 5,903.3 | 151.5 | 0.0 | 0.0 | 112.3 | 0.0 | 569,501.6 | | | | | | | | | | | | | | | | Moneda Extranjera | 10,546,436.3 | 6,943,982.4 | 10,935,722.9 | 2,893,241.8 | 1,852,661.2 | 705,258.8 | 1,824,957.6 | 34,148.6 | 20,670.7 | 41,858.4 | 170,118.9 | 35,969,057.7 | | Caja | 932,866.8 | 493,524.0 | 2,479,409.9 | 245,660.7 | 136,469.4 | 162,246.4 | 18,521.2 | 8,955.7 | 10,282.7 | 8,724.7 | 18,909.7 | 4,515,570.9 | | Banco Central de Nicaragua | 5,832,677.2 | 3,933,136.9 | 5,881,988.2 | 1,865,567.3 | 1,403,541.1 | 477,974.5 | 1,642,731.2 | 12,157.2 | 0.0 | 7,389.2 | 0.0 | 21,057,162.8 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 190,219.5 | 0.0 | 250.1 | 138,442.4 | 13,035.8 | 10,388.1 | 25,744.5 | 151,209.3 | 529,289.6 | | Depositos en Instituciones Financieras del exterior | 3,656,931.1 | 2,137,036.8 | 2,498,100.5 | 547,322.1 | 183,814.5 | 57,584.1 | 25,231.7 | 0.0 | 0.0 | 0.0 | 0.0 | 9,106,020.7 | | Otras disponibilidades | 123,961.3 | 380,284.7 | 76,224.4 | 44,472.2 | 128,836.3 | 7,203.7 | 31.1 | 0.0 | 0.0 | 0.0 | 0.0 | 761,013.6 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,241,658.5 | 8,231,110.1 | 1,182,654.7 | 1,002,101.4 | 1,233,034.6 | 0.0 | 414,959.1 | 0.0 | 0.0 | 0.0 | 42.1 | 22,305,560.5 | | 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 | 3,161,436.4 | 5,524,020.6 | 1,182,654.7 | 426,839.6 | 1,233,034.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,527,985.9 | | Inversiones Mantenidas Hasta el Vencimiento | 7,080,222.1 | 2,707,089.5 | 0.0 | 575,261.9 | 0.0 | 0.0 | 414,959.1 | 0.0 | 0.0 | 0.0 | 42.1 | 10,777,574.7 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 151,854.3 | 0.0 | 0.0 | 121,524.5 | 283,100.1 | 0.0 | 402,502.9 | 0.0 | 0.0 | 65,079.1 | 0.0 | 1,024,060.9 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 38,139,418.0 | 34,920,630.3 | 35,477,308.1 | 17,095,726.0 | 8,002,621.3 | 3,697,929.0 | 1,224,151.0 | 1,712,770.4 | 1,293,202.4 | 1,490,772.5 | 1,925,346.0 | 144,979,875.0 | | Créditos vigentes | 37,103,007.8 | 34,166,776.4 | 35,462,127.5 | 16,845,407.8 | 7,884,618.3 | 3,649,156.5 | 1,183,279.6 | 1,702,165.8 | 1,253,698.8 | 1,444,678.6 | 1,898,027.5 | 142,592,944.4 | | Créditos prorrogados | 319,545.4 | 47,434.6 | 3,550.8 | 8,432.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,076.6 | 0.0 | 0.0 | 383,039.5 | | Créditos reestructurados | 698,812.3 | 646,060.9 | 120,015.1 | 243,433.8 | 115,185.4 | 74,330.6 | 0.0 | 18,418.6 | 17,639.5 | 190.1 | 0.0 | 1,934,086.3 | | Créditos vencidos | 173,362.3 | 142,853.2 | 222,309.1 | 167,116.4 | 90,064.5 | 21,962.2 | 28,714.4 | 19,690.4 | 12,171.9 | 25,614.6 | 2,849.0 | 906,708.1 | | Créditos en cobro judicial | 100,699.6 | 90,792.3 | 163,082.4 | 68,460.5 | 2,548.5 | 8,157.3 | 0.0 | 1,316.8 | 4,385.4 | 531.7 | 0.0 | 439,974.5 | | Intereses y Comisiones por Cobrar sobre Creditos | 548,131.6 | 522,043.4 | 372,020.7 | 156,922.8 | 162,690.5 | 66,053.0 | 29,385.5 | 30,903.1 | 37,666.1 | 72,775.1 | 54,158.9 | 2,052,750.5 | | Provisiones por incobrabilidad de cartera de creditos | -804,140.9 | -695,330.5 | -865,797.4 | -394,047.1 | -252,485.9 | -121,730.5 | -17,228.5 | -59,724.3 | -36,435.9 | -53,017.7 | -29,689.4 | -3,329,628.3 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 139,506.5 | 345,295.5 | 115,247.2 | 74,335.8 | 29,979.7 | 9,395.6 | 26,266.0 | 36,216.1 | 2,479.5 | 1,900.2 | 11,980.2 | 792,602.3 | | Bienes de uso, neto | 1,067,772.2 | 536,945.9 | 673,918.8 | 155,303.3 | 142,649.1 | 232,645.4 | 18,922.8 | 45,326.9 | 47,691.0 | 47,033.1 | 43,019.3 | 3,011,227.7 | | Bienes recibidos en recuperacion de creditos, neto | 30,914.0 | 247,500.8 | 7,744.1 | 26,411.9 | 515.4 | 14,789.2 | 0.0 | 4,745.9 | 739.2 | 747.2 | 0.0 | 334,107.7 | | Invesiones permanentes en acciones | 201,926.6 | 884,517.6 | 68,565.9 | 22,240.4 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,190,750.6 | | Otros activos neto | 354,570.4 | 463,040.2 | 127,133.2 | 162,633.7 | 181,173.8 | 102,148.5 | 59,330.1 | 51,905.6 | 22,255.0 | 47,955.8 | 51,948.6 | 1,624,094.9 | | Pasivo | 59,684,758.3 | 48,828,659.7 | 45,570,661.4 | 20,265,225.0 | 10,772,706.4 | 4,602,361.9 | 4,407,349.9 | 1,573,511.2 | 1,221,621.7 | 1,497,541.8 | 1,830,282.7 | 200,254,679.9 | | Obligaciones con el Público | 51,839,096.7 | 37,131,283.7 | 36,267,684.2 | 14,092,303.6 | 6,983,310.8 | 3,269,010.0 | 4,353,151.2 | 199,799.9 | 32,590.8 | 47,085.9 | 0.0 | 154,215,316.9 | | Moneda Nacional | 15,167,459.5 | 9,541,296.2 | 8,176,787.6 | 2,213,904.9 | 647,763.5 | 508,174.1 | 1,554,214.0 | 0.0 | 0.0 | 0.0 | 0.0 | 37,809,599.9 | | Depositos a la Vista | 7,066,137.4 | 5,285,366.9 | 5,040,698.3 | 446,398.0 | 440,288.9 | 262,718.8 | 1,509,014.7 | 0.0 | 0.0 | 0.0 | 0.0 | 20,050,623.0 | | Depositos de Ahorro | 6,838,536.5 | 3,612,730.6 | 2,696,203.2 | 1,513,169.8 | 187,108.5 | 201,551.4 | 34,954.8 | 0.0 | 0.0 | 0.0 | 0.0 | 15,084,254.7 | | Depositos a Plazo | 1,262,785.7 | 643,198.7 | 439,886.2 | 254,337.1 | 20,366.1 | 43,903.8 | 10,244.5 | 0.0 | 0.0 | 0.0 | 0.0 | 2,674,722.2 | | 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 | 35,896,349.9 | 27,195,491.8 | 27,329,815.6 | 11,116,503.7 | 6,235,072.7 | 2,700,497.0 | 2,788,307.8 | 0.0 | 0.0 | 0.0 | 0.0 | 113,262,038.6 | | Depositos a la Vista | 12,131,328.4 | 8,379,242.2 | 8,326,143.3 | 1,006,510.6 | 1,270,056.0 | 519,381.2 | 2,253,213.2 | 0.0 | 0.0 | 0.0 | 0.0 | 33,885,875.0 | | Depositos de Ahorro | 14,797,170.5 | 11,250,320.5 | 11,425,089.0 | 5,502,003.8 | 1,762,720.0 | 1,036,515.7 | 260,688.4 | 0.0 | 0.0 | 0.0 | 0.0 | 46,034,508.0 | | Depositos a Plazo | 8,967,851.1 | 7,565,929.1 | 7,578,583.3 | 4,607,989.3 | 3,202,296.7 | 1,144,600.1 | 274,406.2 | 0.0 | 0.0 | 0.0 | 0.0 | 33,341,655.7 | | 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 | 601,271.7 | 255,955.6 | 605,440.6 | 632,948.0 | 49,811.1 | 42,865.4 | 6,753.6 | 197,520.0 | 32,486.9 | 46,906.8 | 0.0 | 2,471,959.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 174,015.6 | 138,540.0 | 155,640.3 | 128,947.0 | 50,663.5 | 17,473.5 | 3,875.8 | 2,279.9 | 103.9 | 179.1 | 0.0 | 671,718.6 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,793,238.5 | 9,421,377.2 | 8,542,276.0 | 5,297,151.1 | 2,755,487.5 | 994,170.6 | 9,955.1 | 1,300,114.5 | 988,492.8 | 1,330,613.1 | 1,675,814.9 | 38,108,691.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 74,092.2 | 470,408.2 | 81,272.9 | 274,998.6 | 295,569.0 | 0.0 | 0.0 | 0.0 | 0.0 | 60,222.2 | 0.0 | 1,256,563.0 | | Préstamos del Banco Centroaméricano de Integración Económica | 811,756.0 | 1,328,157.8 | 513,551.1 | 670,366.7 | 214,287.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,538,119.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 316,834.6 | 0.0 | 1,034,491.5 | 354,682.8 | 384,239.7 | 0.0 | 0.0 | 0.0 | 861,709.9 | 0.0 | 797,622.5 | 3,749,581.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,590,555.8 | 7,622,811.2 | 6,912,960.5 | 3,997,103.0 | 1,861,391.3 | 994,170.6 | 9,955.1 | 1,300,114.5 | 126,782.9 | 1,270,390.9 | 878,192.4 | 29,564,428.2 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 430,350.4 | 191,932.3 | 0.0 | 150,224.5 | 201,129.0 | 22,632.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 996,268.6 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 508,387.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 508,387.1 | | Otras cuentas por pagar | 214,208.9 | 413,421.6 | 171,065.6 | 38,566.1 | 136,153.8 | 34,332.1 | 17,703.9 | 10,700.2 | 50,926.1 | 23,002.4 | 31,666.3 | 1,141,747.0 | | Otros pasivos y provisiones | 510,754.7 | 750,792.9 | 589,635.6 | 188,592.9 | 188,238.2 | 98,065.8 | 26,539.6 | 62,896.7 | 59,924.4 | 35,791.7 | 33,367.2 | 2,544,599.9 | | Obligaciones subordinadas | 897,109.0 | 919,852.0 | 0.0 | 498,386.7 | 0.0 | 184,151.0 | 0.0 | 0.0 | 89,687.5 | 60,613.2 | 89,434.3 | 2,739,233.6 | | Impuestos diferidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 435.4 | 0.0 | 435.4 | | 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 | 6,567,389.4 | 6,454,545.1 | 6,788,958.8 | 2,086,555.3 | 1,416,349.7 | 536,677.1 | 568,767.1 | 376,130.2 | 248,743.0 | 292,969.6 | 478,092.5 | 25,815,177.9 | | 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 | -937.6 | -3,908.4 | -412.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -5,258.3 | | 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 | 4,859.2 | 0.0 | 4,490,640.4 | | 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 | 39,611.0 | 69,831.0 | 47,753.7 | 21,183.4 | -11,802.8 | 7,199,751.0 | | Resultados del Periodo | 218,511.6 | 215,782.6 | 259,138.7 | 48,191.2 | 50,969.3 | 9,860.5 | 4,556.1 | 12,048.1 | 6,947.7 | -769.4 | 10,838.6 | 836,075.0 | | Cuentas contingentes | 21,603,547.0 | 8,598,003.3 | 8,726,771.5 | 1,421,352.0 | 6,815,680.0 | 15,372.6 | 28,100.8 | 0.0 | 189,808.9 | 0.0 | 0.0 | 47,398,636.2 | | Cuentas de orden | 92,426,318.1 | 36,336,190.1 | 231,263,860.9 | 46,020,338.3 | 11,669,508.8 | 11,697,615.3 | 46,639,466.1 | 2,932,668.0 | 2,789,401.0 | 1,838,970.4 | 1,293,843.0 | 484,908,180.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 29 DE FEBRERO DE 2016 C$ 28.1526 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2017 C$ 29.5569 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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