| 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 | 67,057,269.8 | 55,708,300.1 | 52,267,389.1 | 23,008,504.7 | 12,575,800.9 | 5,263,709.0 | 5,648,378.0 | 2,112,091.8 | 1,562,844.9 | 1,827,794.1 | 2,831,925.4 | 229,864,008.0 | | Disponibilidades | 15,141,471.2 | 9,259,350.8 | 12,582,670.9 | 3,773,777.1 | 2,463,899.3 | 985,776.1 | 3,071,928.1 | 156,084.4 | 132,617.3 | 183,120.4 | 253,400.8 | 48,004,096.4 | | Moneda Nacional | 4,931,366.7 | 3,077,580.8 | 3,161,494.9 | 818,483.5 | 657,278.7 | 251,163.3 | 774,841.1 | 97,395.4 | 66,037.3 | 50,084.9 | 94,919.7 | 13,980,646.2 | | Caja | 1,694,631.0 | 1,105,432.6 | 1,661,523.7 | 174,508.5 | 108,086.0 | 182,608.7 | 27,065.6 | 11,279.5 | 23,788.2 | 24,138.4 | 42,397.7 | 5,055,460.0 | | Banco Central de Nicaragua | 3,072,123.3 | 1,770,446.8 | 1,258,857.7 | 455,868.8 | 536,002.0 | 62,643.1 | 670,739.8 | 64,106.6 | 3,640.8 | 100.0 | 0.0 | 7,894,528.9 | | Depositos e Instituciones Financieras del Pais | 14,984.3 | 230.0 | 15,047.9 | 103,631.4 | 10,863.0 | 1,151.9 | 0.0 | 22,009.3 | 38,608.2 | 25,717.7 | 52,522.0 | 284,765.7 | | Otras disponibilidades | 149,628.2 | 201,471.4 | 226,065.7 | 84,474.7 | 2,327.6 | 4,759.6 | 77,035.7 | 0.0 | 0.0 | 128.8 | 0.0 | 745,891.6 | | | | | | | | | | | | | | | | Moneda Extranjera | 10,210,104.5 | 6,181,770.0 | 9,421,176.0 | 2,955,293.6 | 1,806,620.7 | 734,612.8 | 2,297,087.0 | 58,689.0 | 66,580.0 | 133,035.5 | 158,481.1 | 34,023,450.2 | | Caja | 1,101,727.8 | 528,872.8 | 3,450,477.8 | 257,846.3 | 133,190.2 | 160,162.8 | 18,817.6 | 9,281.0 | 12,650.1 | 7,495.6 | 16,797.8 | 5,697,319.9 | | Banco Central de Nicaragua | 5,397,088.1 | 4,282,748.0 | 4,835,899.1 | 2,046,579.2 | 1,386,271.6 | 498,201.0 | 2,124,762.2 | 11,708.2 | 2,681.1 | 10,472.9 | 0.0 | 20,596,411.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 285,447.7 | 0.0 | 822.0 | 141,271.0 | 37,699.8 | 51,248.8 | 115,066.9 | 141,683.3 | 773,239.6 | | Depositos en Instituciones Financieras del exterior | 3,598,306.6 | 927,779.8 | 966,636.9 | 285,516.8 | 127,001.1 | 69,403.8 | 10,208.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5,984,853.4 | | Otras disponibilidades | 112,982.1 | 442,369.5 | 168,162.2 | 79,903.6 | 160,157.7 | 6,023.3 | 2,027.6 | 0.0 | 0.0 | 0.0 | 0.0 | 971,626.0 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,531,594.7 | 7,609,195.2 | 1,443,294.1 | 1,138,742.9 | 1,209,574.2 | 0.0 | 988,574.1 | 0.0 | 0.0 | 0.0 | 42.5 | 22,921,017.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 74,466.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 74,466.4 | | Inversiones Disponibles para la Venta | 2,953,810.9 | 4,742,776.5 | 1,443,294.1 | 335,679.9 | 1,135,107.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,610,669.3 | | Inversiones Mantenidas Hasta el Vencimiento | 7,577,783.8 | 2,866,418.7 | 0.0 | 803,063.0 | 0.0 | 0.0 | 988,574.1 | 0.0 | 0.0 | 0.0 | 42.5 | 12,235,882.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 263,868.2 | 0.0 | 0.0 | 110,080.1 | 358,608.2 | 30,019.7 | 309,433.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,072,009.7 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 39,343,530.3 | 36,338,893.7 | 37,249,191.2 | 17,583,493.4 | 8,185,447.5 | 3,868,008.0 | 1,168,795.4 | 1,813,964.3 | 1,353,548.4 | 1,539,528.0 | 2,470,649.1 | 150,915,049.3 | | Créditos vigentes | 38,404,285.6 | 35,550,487.0 | 37,282,167.0 | 17,298,830.9 | 8,031,724.3 | 3,809,979.3 | 1,153,419.5 | 1,799,278.1 | 1,317,604.3 | 1,490,985.6 | 2,421,441.3 | 148,560,202.9 | | Créditos prorrogados | 158,996.5 | 54,704.9 | 0.0 | 797.8 | 0.0 | 0.0 | 0.0 | 0.0 | 2,760.0 | 0.0 | 0.0 | 217,259.2 | | Créditos reestructurados | 741,428.1 | 659,561.8 | 141,556.5 | 253,905.2 | 139,916.7 | 87,801.9 | 5,202.0 | 18,138.9 | 19,108.1 | 389.9 | 0.0 | 2,067,009.1 | | Créditos vencidos | 213,322.3 | 169,334.2 | 230,838.6 | 198,003.8 | 108,089.4 | 25,358.9 | 9,166.9 | 23,638.7 | 14,357.9 | 50,032.3 | 12,754.5 | 1,054,897.5 | | Créditos en cobro judicial | 104,780.4 | 87,310.8 | 168,725.9 | 77,748.1 | 0.0 | 6,311.6 | 0.0 | 1,230.0 | 4,191.9 | 89.5 | 0.0 | 450,388.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 573,908.2 | 564,798.0 | 353,354.7 | 169,186.9 | 178,097.8 | 62,569.6 | 27,664.8 | 36,717.7 | 36,002.8 | 79,749.9 | 82,674.2 | 2,164,724.6 | | Provisiones por incobrabilidad de cartera de creditos | -853,190.9 | -747,302.9 | -927,451.5 | -414,979.3 | -272,380.7 | -124,013.3 | -26,657.7 | -65,039.2 | -40,476.6 | -81,719.2 | -46,220.9 | -3,599,432.3 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 114,757.1 | 343,388.4 | 91,351.8 | 62,473.3 | 15,573.4 | 22,693.8 | 20,756.1 | 20,825.5 | 1,647.7 | 2,153.3 | 10,832.1 | 706,452.7 | | Bienes de uso, neto | 1,158,573.3 | 545,991.1 | 685,858.5 | 152,890.0 | 142,370.0 | 226,204.4 | 17,781.5 | 47,078.0 | 47,021.4 | 50,020.5 | 44,143.0 | 3,117,931.6 | | Bienes recibidos en recuperacion de creditos, neto | 31,290.3 | 254,068.1 | 8,544.2 | 25,468.2 | 573.5 | 15,680.5 | 7,877.2 | 4,709.1 | 1,134.2 | 901.7 | 243.7 | 350,490.7 | | Invesiones permanentes en acciones | 201,926.6 | 1,000,629.0 | 69,122.3 | 22,827.6 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,308,005.5 | | Otros activos neto | 270,258.1 | 356,783.9 | 137,356.1 | 138,752.1 | 193,004.7 | 108,576.5 | 63,232.2 | 69,430.5 | 26,875.9 | 52,070.1 | 52,614.2 | 1,468,954.2 | | Pasivo | 60,612,860.6 | 49,319,446.6 | 45,137,963.1 | 20,843,045.4 | 11,057,886.7 | 4,707,495.8 | 5,053,358.3 | 1,718,195.1 | 1,306,686.0 | 1,543,094.5 | 2,339,938.1 | 203,639,970.4 | | Obligaciones con el Público | 53,254,835.8 | 37,674,202.3 | 36,945,858.8 | 14,570,262.0 | 7,514,361.0 | 3,334,109.5 | 4,997,420.1 | 225,375.9 | 37,925.7 | 70,593.8 | 0.0 | 158,624,944.9 | | Moneda Nacional | 16,366,793.4 | 9,260,033.7 | 7,860,642.8 | 2,177,610.9 | 667,789.9 | 417,594.5 | 1,463,396.8 | 0.0 | 0.0 | 0.0 | 0.0 | 38,213,862.0 | | Depositos a la Vista | 8,315,381.4 | 5,337,904.1 | 5,016,083.9 | 455,503.1 | 459,078.8 | 182,369.7 | 1,381,129.6 | 0.0 | 0.0 | 0.0 | 0.0 | 21,147,450.7 | | Depositos de Ahorro | 6,423,002.8 | 3,460,852.4 | 2,409,746.4 | 1,485,337.7 | 188,267.4 | 190,780.8 | 71,896.2 | 0.0 | 0.0 | 0.0 | 0.0 | 14,229,883.6 | | Depositos a Plazo | 1,628,409.3 | 461,277.2 | 434,812.5 | 236,770.1 | 20,443.7 | 44,443.9 | 10,371.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,836,527.7 | | 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 | | | | | | | | | | | | | | | | Moneda Extranjera | 36,281,516.3 | 27,932,282.7 | 28,397,585.7 | 11,542,062.6 | 6,740,025.7 | 2,852,632.8 | 3,524,574.3 | 0.0 | 0.0 | 0.0 | 0.0 | 117,270,680.1 | | Depositos a la Vista | 11,673,242.7 | 8,106,931.6 | 8,475,258.7 | 1,056,887.6 | 1,596,236.2 | 552,870.6 | 2,963,963.7 | 0.0 | 0.0 | 0.0 | 0.0 | 34,425,391.1 | | Depositos de Ahorro | 15,421,829.6 | 11,633,579.0 | 12,002,433.8 | 5,704,904.3 | 1,801,116.6 | 1,081,048.0 | 267,650.5 | 0.0 | 0.0 | 0.0 | 0.0 | 47,912,561.7 | | Depositos a Plazo | 9,186,444.0 | 8,191,772.1 | 7,919,893.2 | 4,780,270.6 | 3,342,673.0 | 1,218,714.2 | 292,960.1 | 0.0 | 0.0 | 0.0 | 0.0 | 34,932,727.2 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 405,383.2 | 328,311.5 | 526,989.1 | 719,194.2 | 44,492.2 | 44,614.2 | 1,981.2 | 222,837.8 | 37,793.2 | 70,318.1 | 0.0 | 2,401,914.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 201,142.9 | 153,574.4 | 160,641.2 | 131,394.4 | 62,053.2 | 19,268.0 | 7,467.8 | 2,538.2 | 132.5 | 275.7 | 0.0 | 738,488.2 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,281,693.0 | 9,569,330.1 | 7,365,487.5 | 5,393,145.1 | 2,563,657.2 | 1,035,811.7 | 10,246.7 | 1,413,789.4 | 1,059,993.4 | 1,364,925.6 | 2,109,249.9 | 37,167,329.6 | | Por Depósitos de Instituciones Financieras | 910,845.2 | 1,422,981.3 | 3,441,050.7 | 1,217,943.6 | 1,063,601.0 | 607,193.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,663,615.1 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 4,276,171.1 | 8,044,264.6 | 3,840,576.8 | 4,119,211.6 | 1,453,023.7 | 403,596.9 | 8,418.8 | 1,385,302.6 | 1,044,602.0 | 1,343,288.0 | 2,079,209.2 | 27,997,665.2 | | Préstamos de la Financiera Nicaraguense de Inversiones | 131,294.6 | 616,760.7 | 77,983.9 | 368,160.3 | 448,839.0 | 0.0 | 0.0 | 0.0 | 0.0 | 60,967.3 | 0.0 | 1,704,005.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 713,523.4 | 1,300,278.4 | 514,668.7 | 867,977.7 | 271,081.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,667,529.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 109,450.1 | 0.0 | 448,839.0 | 359,071.2 | 388,993.8 | 0.0 | 0.0 | 0.0 | 936,141.3 | 0.0 | 864,045.0 | 3,106,540.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,321,903.0 | 6,127,225.4 | 2,799,085.2 | 2,524,002.4 | 344,109.9 | 403,596.9 | 8,418.8 | 1,385,302.6 | 108,460.7 | 1,282,320.7 | 1,215,164.2 | 19,519,589.8 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 94,676.8 | 102,084.3 | 83,860.0 | 55,989.9 | 47,032.5 | 25,021.6 | 1,827.8 | 28,486.7 | 15,391.5 | 21,637.6 | 30,040.7 | 506,049.3 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 450,948.6 | 199,049.4 | 0.0 | 150,008.9 | 201,046.2 | 15,366.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,016,419.4 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 464,590.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 464,590.3 | | Otras cuentas por pagar | 225,452.6 | 304,871.0 | 191,706.6 | 46,663.9 | 137,321.3 | 34,305.9 | 17,206.2 | 12,423.2 | 51,877.4 | 13,701.2 | 33,276.0 | 1,068,805.4 | | Otros pasivos y provisiones | 469,558.9 | 654,983.3 | 634,910.2 | 197,888.1 | 176,910.8 | 102,744.7 | 28,485.4 | 66,606.6 | 65,088.7 | 19,570.8 | 46,294.8 | 2,463,042.3 | | Obligaciones subordinadas | 930,371.7 | 917,010.5 | 0.0 | 485,077.5 | 0.0 | 185,157.7 | 0.0 | 0.0 | 91,800.7 | 61,351.2 | 151,117.4 | 2,821,886.7 | | 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 | 12,951.9 | 0.0 | 12,951.9 | | Patrimonio | 6,444,409.2 | 6,388,853.5 | 7,129,426.0 | 2,165,459.3 | 1,517,914.2 | 556,213.2 | 595,019.7 | 393,896.7 | 256,158.9 | 284,699.6 | 491,987.3 | 26,224,037.5 | | Capital social pagado | 3,213,500.0 | 3,607,666.0 | 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 | 13,974,447.5 | | 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 | 346,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 0.0 | 8,196.3 | 20,103.3 | 374,300.4 | | 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 | -59.1 | 5,545.0 | 618.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,104.4 | | 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 | 1,098,570.5 | 858,136.1 | 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 | 5,189,346.4 | | Resultados del Periodo | 579,652.9 | 670,637.5 | 602,075.1 | 127,095.2 | 78,621.8 | 29,396.6 | 32,546.1 | 29,814.5 | 14,363.6 | -9,039.4 | 27,574.0 | 2,182,738.0 | | Cuentas contingentes | 21,687,382.5 | 9,288,850.3 | 9,031,054.9 | 1,514,477.6 | 7,173,549.2 | 15,586.6 | 64,369.1 | 0.0 | 213,821.8 | 0.0 | 0.0 | 48,989,092.0 | | Cuentas de orden | 99,081,027.5 | 37,655,028.3 | 259,139,193.4 | 49,077,350.2 | 11,262,086.1 | 12,190,987.9 | 41,283,693.7 | 3,103,750.0 | 3,016,052.6 | 1,967,007.0 | 1,659,861.9 | 519,436,038.6 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2016 C$ 28.4999 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2017 C$ 29.9226 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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