| 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 | 68,690,947.4 | 54,007,836.4 | 50,845,017.4 | 23,061,633.6 | 12,294,199.2 | 5,186,817.8 | 4,883,024.9 | 1,990,829.1 | 1,520,525.5 | 1,795,491.9 | 2,550,814.8 | 226,827,137.9 | | Disponibilidades | 18,353,257.0 | 9,660,191.5 | 13,087,988.5 | 4,129,145.5 | 2,307,604.7 | 971,828.5 | 2,636,638.4 | 97,944.0 | 123,184.1 | 167,954.0 | 309,949.9 | 51,845,686.2 | | Moneda Nacional | 5,939,958.2 | 3,003,859.2 | 2,603,712.6 | 676,285.7 | 483,210.4 | 255,334.1 | 879,889.5 | 63,060.8 | 60,775.5 | 110,293.7 | 102,542.4 | 14,178,922.2 | | Caja | 1,585,080.8 | 1,016,613.6 | 1,487,192.0 | 174,564.3 | 113,968.9 | 123,579.2 | 23,043.9 | 11,246.1 | 21,196.1 | 16,269.7 | 48,750.5 | 4,621,505.1 | | Banco Central de Nicaragua | 4,124,103.6 | 1,759,465.8 | 873,937.2 | 383,519.4 | 359,016.6 | 128,352.9 | 846,489.2 | 30,431.9 | 0.0 | 100.0 | 0.0 | 8,505,416.6 | | Depositos e Instituciones Financieras del Pais | 16,955.0 | 10.0 | 10,837.4 | 68,239.9 | 4,837.8 | 1,131.4 | 0.0 | 21,382.8 | 39,579.4 | 93,779.7 | 53,791.9 | 310,545.3 | | Otras disponibilidades | 213,818.8 | 227,769.8 | 231,746.0 | 49,962.1 | 5,387.1 | 2,270.7 | 10,356.5 | 0.0 | 0.0 | 144.4 | 0.0 | 741,455.2 | | | | | | | | | | | | | | | | Moneda Extranjera | 12,413,298.8 | 6,656,332.3 | 10,484,275.9 | 3,452,859.8 | 1,824,394.2 | 716,494.4 | 1,756,748.9 | 34,883.2 | 62,408.7 | 57,660.2 | 207,407.5 | 37,666,764.0 | | Caja | 1,023,967.8 | 540,563.9 | 2,790,533.1 | 309,912.2 | 129,602.7 | 146,095.5 | 14,952.6 | 9,269.8 | 11,480.5 | 6,405.0 | 17,668.1 | 5,000,451.3 | | Banco Central de Nicaragua | 6,148,163.0 | 3,985,417.0 | 6,147,407.6 | 2,095,380.1 | 1,269,821.6 | 501,522.5 | 1,578,260.0 | 12,207.6 | 0.0 | 7,865.1 | 0.0 | 21,746,044.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 297,880.4 | 0.0 | 834.4 | 139,389.0 | 13,405.8 | 50,928.2 | 43,390.1 | 189,739.4 | 735,567.3 | | Depositos en Instituciones Financieras del exterior | 5,172,273.3 | 1,730,796.2 | 1,403,169.1 | 698,957.2 | 295,843.4 | 63,995.0 | 24,092.8 | 0.0 | 0.0 | 0.0 | 0.0 | 9,389,127.1 | | Otras disponibilidades | 68,894.7 | 399,555.2 | 143,166.1 | 50,729.9 | 129,126.5 | 4,046.9 | 54.4 | 0.0 | 0.0 | 0.0 | 0.0 | 795,573.9 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,621,557.7 | 5,983,121.0 | 1,285,635.0 | 937,631.7 | 1,156,441.7 | 0.0 | 476,051.1 | 0.0 | 0.0 | 0.0 | 42.4 | 19,460,480.5 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 44,394.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 44,394.0 | | Inversiones Disponibles para la Venta | 2,477,646.6 | 3,249,063.4 | 1,285,635.0 | 329,179.5 | 1,112,047.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,453,572.2 | | Inversiones Mantenidas Hasta el Vencimiento | 7,143,911.1 | 2,734,057.6 | 0.0 | 608,452.2 | 0.0 | 0.0 | 476,051.1 | 0.0 | 0.0 | 0.0 | 42.4 | 10,962,514.4 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 1,528.2 | 252,318.5 | 0.0 | 150,059.3 | 354,466.2 | 80,007.0 | 598,618.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,436,997.3 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 38,890,373.3 | 35,645,450.4 | 35,490,811.1 | 17,413,269.3 | 8,132,306.9 | 3,764,483.3 | 1,055,509.4 | 1,757,233.3 | 1,323,601.0 | 1,527,587.8 | 2,139,676.8 | 147,140,302.6 | | Créditos vigentes | 37,832,643.5 | 34,870,250.6 | 35,526,178.9 | 17,164,259.0 | 8,014,502.5 | 3,710,108.5 | 1,026,416.4 | 1,742,853.1 | 1,287,820.1 | 1,481,948.9 | 2,105,836.7 | 144,762,818.3 | | Créditos prorrogados | 317,215.1 | 76,003.7 | 1,528.8 | 1,224.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,078.3 | 0.0 | 0.0 | 399,049.9 | | Créditos reestructurados | 717,779.7 | 652,459.1 | 124,321.8 | 241,998.5 | 123,395.4 | 79,264.3 | 0.0 | 18,092.2 | 17,423.9 | 188.2 | 0.0 | 1,974,923.0 | | Créditos vencidos | 180,124.2 | 149,972.4 | 202,867.8 | 163,855.8 | 93,902.7 | 22,085.0 | 20,727.5 | 21,243.0 | 12,433.6 | 35,381.3 | 5,408.0 | 908,001.3 | | Créditos en cobro judicial | 109,430.4 | 90,839.1 | 169,362.8 | 74,916.8 | 2,559.1 | 8,111.3 | 0.0 | 1,368.9 | 3,729.8 | 88.8 | 0.0 | 460,406.9 | | Intereses y Comisiones por Cobrar sobre Creditos | 548,623.1 | 510,189.9 | 335,202.0 | 166,063.9 | 158,226.0 | 67,206.9 | 24,330.1 | 34,796.2 | 35,878.5 | 72,141.5 | 63,639.2 | 2,016,297.4 | | Provisiones por incobrabilidad de cartera de creditos | -815,442.7 | -704,264.4 | -868,651.0 | -399,048.7 | -260,278.9 | -122,292.8 | -15,964.6 | -61,120.1 | -36,763.1 | -62,160.9 | -35,207.1 | -3,381,194.2 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 133,360.7 | 397,566.6 | 86,983.3 | 67,691.1 | 16,612.0 | 8,510.6 | 32,402.3 | 16,128.2 | 2,045.0 | 2,603.4 | 11,443.5 | 775,346.7 | | Bienes de uso, neto | 1,173,946.6 | 538,337.7 | 688,051.3 | 153,749.5 | 141,906.9 | 229,173.1 | 19,307.1 | 46,376.4 | 47,348.1 | 46,136.4 | 42,350.1 | 3,126,683.3 | | Bienes recibidos en recuperacion de creditos, neto | 34,014.4 | 241,552.4 | 7,991.6 | 25,138.7 | 515.4 | 15,620.5 | 0.0 | 4,850.2 | 734.6 | 672.7 | 0.0 | 331,090.6 | | Invesiones permanentes en acciones | 201,926.6 | 952,370.7 | 69,353.5 | 22,329.8 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,259,480.5 | | Otros activos neto | 280,983.0 | 336,927.5 | 128,203.1 | 162,618.7 | 177,595.4 | 110,444.6 | 64,498.5 | 68,296.8 | 23,612.8 | 50,537.6 | 47,352.2 | 1,451,070.2 | | Pasivo | 62,001,693.7 | 47,659,963.3 | 43,936,860.2 | 20,947,878.2 | 10,794,796.2 | 4,643,673.2 | 4,312,928.4 | 1,608,387.4 | 1,268,844.9 | 1,502,036.8 | 2,070,753.6 | 200,747,815.6 | | Obligaciones con el Público | 54,307,427.9 | 37,160,237.8 | 35,835,735.0 | 14,505,993.8 | 7,154,452.6 | 3,302,906.8 | 4,276,293.8 | 199,230.9 | 32,933.6 | 58,577.2 | 0.0 | 156,833,789.5 | | Moneda Nacional | 16,750,242.1 | 9,545,916.5 | 7,466,105.3 | 2,145,013.0 | 640,384.0 | 483,962.1 | 1,550,304.8 | 0.0 | 0.0 | 0.0 | 0.0 | 38,581,927.9 | | Depositos a la Vista | 8,676,978.8 | 5,590,258.8 | 4,677,930.1 | 453,567.0 | 440,880.7 | 233,268.8 | 1,534,791.8 | 0.0 | 0.0 | 0.0 | 0.0 | 21,607,675.9 | | Depositos de Ahorro | 6,691,788.1 | 3,476,636.6 | 2,345,500.9 | 1,453,970.4 | 178,822.2 | 199,631.2 | 5,226.1 | 0.0 | 0.0 | 0.0 | 0.0 | 14,351,575.5 | | Depositos a Plazo | 1,381,475.2 | 479,021.1 | 442,674.3 | 237,475.6 | 20,681.1 | 51,062.2 | 10,287.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,622,676.5 | | 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 | 36,847,666.6 | 27,114,227.3 | 27,838,763.5 | 11,520,963.2 | 6,393,701.9 | 2,751,992.7 | 2,697,586.8 | 0.0 | 0.0 | 0.0 | 0.0 | 115,164,902.0 | | Depositos a la Vista | 12,598,780.8 | 8,193,963.9 | 8,283,331.5 | 954,816.2 | 1,445,799.8 | 525,752.7 | 2,156,813.5 | 0.0 | 0.0 | 0.0 | 0.0 | 34,159,258.5 | | Depositos de Ahorro | 15,030,501.7 | 11,202,793.6 | 11,601,857.0 | 5,812,362.6 | 1,767,195.4 | 1,052,224.3 | 266,118.3 | 0.0 | 0.0 | 0.0 | 0.0 | 46,733,052.9 | | Depositos a Plazo | 9,218,384.1 | 7,717,469.8 | 7,953,574.9 | 4,753,784.4 | 3,180,706.7 | 1,174,015.8 | 274,654.9 | 0.0 | 0.0 | 0.0 | 0.0 | 34,272,590.6 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 528,346.6 | 358,301.8 | 370,836.6 | 718,223.9 | 68,927.6 | 49,279.3 | 23,354.9 | 198,010.8 | 32,560.6 | 58,350.1 | 0.0 | 2,406,192.1 | | Cargos financieros por pagar sobre obligaciones con el Público | 181,172.6 | 141,792.2 | 160,029.7 | 121,793.7 | 51,439.2 | 17,672.6 | 5,047.2 | 1,220.1 | 373.1 | 227.1 | 0.0 | 680,767.4 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,594,096.6 | 8,117,252.4 | 7,276,245.1 | 5,542,426.8 | 2,729,088.1 | 995,468.6 | 10,052.1 | 1,334,993.4 | 1,030,225.2 | 1,338,439.2 | 1,913,986.9 | 35,882,274.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 73,434.3 | 619,195.5 | 80,928.3 | 256,361.1 | 296,796.0 | 0.0 | 0.0 | 0.0 | 0.0 | 60,472.2 | 0.0 | 1,387,187.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 788,281.0 | 1,315,829.5 | 513,828.1 | 815,566.2 | 296,704.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,730,208.9 | | Préstamos de Otras Instituciones Financieras del Exterior | 170,128.0 | 0.0 | 445,194.0 | 356,155.2 | 385,834.8 | 0.0 | 0.0 | 0.0 | 911,237.9 | 0.0 | 800,933.7 | 3,069,483.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,562,253.3 | 6,182,227.4 | 6,236,294.8 | 4,114,344.3 | 1,749,753.2 | 995,468.6 | 10,052.1 | 1,334,993.4 | 118,987.2 | 1,277,967.1 | 1,113,053.3 | 27,695,394.6 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 430,903.2 | 193,630.8 | 0.0 | 151,472.1 | 202,830.5 | 22,779.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,001,615.8 | | Operaciones con Reportos y Valores Derivados | 0.0 | 200,128.0 | 0.0 | 0.0 | 397,451.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 597,579.0 | | Otras cuentas por pagar | 239,500.9 | 289,889.8 | 224,708.1 | 45,250.8 | 129,558.7 | 36,882.2 | 5,546.3 | 12,242.2 | 53,036.6 | 13,685.4 | 28,569.6 | 1,078,870.8 | | Otros pasivos y provisiones | 521,597.8 | 770,578.9 | 600,171.9 | 209,978.5 | 181,415.1 | 99,402.2 | 21,036.2 | 61,920.9 | 61,794.8 | 29,905.3 | 37,624.8 | 2,595,426.2 | | Obligaciones subordinadas | 908,167.3 | 928,245.6 | 0.0 | 492,756.2 | 0.0 | 186,234.2 | 0.0 | 0.0 | 90,854.7 | 61,429.6 | 90,572.2 | 2,758,259.9 | | 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 | 6,689,253.8 | 6,347,873.1 | 6,908,157.2 | 2,113,755.4 | 1,499,403.1 | 543,144.6 | 570,096.5 | 382,441.7 | 251,680.6 | 293,455.1 | 480,061.2 | 26,079,322.3 | | Capital social pagado | 3,213,500.0 | 2,972,800.0 | 2,790,361.1 | 979,500.0 | 879,702.5 | 809,089.3 | 524,600.0 | 266,365.0 | 185,210.0 | 259,500.1 | 458,953.5 | 13,339,581.5 | | 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 | -13.8 | -3,803.4 | 490.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -3,327.2 | | Reservas patrimoniales | 1,206,744.8 | 1,246,868.3 | 1,279,405.8 | 387,110.5 | 272,362.0 | 56,572.1 | 6,460.5 | 27,886.2 | 8,831.5 | 4,859.2 | 0.0 | 4,497,100.8 | | Resultados acumulados de ejercicios anteriores | 1,929,570.5 | 1,723,002.1 | 2,456,965.5 | 671,753.7 | 287,227.9 | -338,845.0 | 31,413.1 | 69,831.0 | 47,753.7 | 21,183.4 | -14,643.5 | 6,885,212.4 | | Resultados del Periodo | 339,452.2 | 409,005.6 | 380,934.7 | 75,391.2 | 60,110.7 | 16,328.0 | 7,622.9 | 18,359.5 | 9,885.4 | -283.9 | 15,648.0 | 1,332,454.3 | | Cuentas contingentes | 21,439,348.5 | 8,744,692.2 | 8,901,760.1 | 1,454,577.7 | 6,980,834.8 | 19,297.1 | 30,302.4 | 0.0 | 193,066.5 | 0.0 | 0.0 | 47,763,879.3 | | Cuentas de orden | 93,840,993.5 | 38,301,348.3 | 245,168,901.7 | 47,690,437.1 | 11,770,320.6 | 11,865,906.9 | 47,144,961.2 | 2,928,267.2 | 2,815,202.5 | 1,880,852.4 | 1,474,265.7 | 504,881,457.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2016 C$ 28.2691 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2017 C$ 29.6796 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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