| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Sistema Bancario y Financiero | | Activo | 54,805,160.7 | 45,569,560.2 | 41,025,980.8 | 18,467,409.4 | 7,139,368.1 | 4,021,872.9 | 4,000,084.9 | 1,421,067.6 | 1,119,866.9 | 1,230,724.6 | 178,801,096.0 | | Disponibilidades | 12,269,327.4 | 6,949,841.5 | 10,008,713.2 | 3,372,395.3 | 1,397,111.2 | 717,806.9 | 3,733,524.1 | 81,464.9 | 99,288.0 | 69,791.8 | 38,699,264.3 | | Moneda Nacional | 4,079,604.0 | 2,186,736.9 | 3,146,292.4 | 1,041,929.2 | 346,859.8 | 212,951.7 | 951,444.9 | 46,954.1 | 28,826.7 | 17,036.9 | 12,058,636.5 | | Caja | 1,327,509.1 | 901,908.9 | 1,855,581.3 | 167,626.5 | 92,465.5 | 127,660.3 | 10,470.2 | 7,532.1 | 19,778.4 | 14,038.7 | 4,524,570.9 | | Banco Central de Nicaragua | 2,613,724.6 | 1,083,330.4 | 1,141,514.0 | 561,675.5 | 238,369.2 | 84,017.1 | 940,672.5 | 29,444.3 | 0.0 | 0.0 | 6,692,747.7 | | Depositos e Instituciones Financieras del Pais | 14,466.2 | 0.0 | 0.0 | 249,120.7 | 3,182.0 | 723.4 | 0.0 | 9,977.7 | 9,048.3 | 2,992.2 | 289,510.5 | | Otras disponibilidades | 123,904.1 | 201,497.6 | 149,197.1 | 63,506.4 | 12,843.0 | 550.9 | 302.2 | 0.0 | 0.0 | 6.0 | 551,807.4 | | | | | | | | | | | | | | | Moneda Extranjera | 8,189,723.4 | 4,763,104.6 | 6,862,420.8 | 2,330,466.1 | 1,050,251.4 | 504,855.1 | 2,782,079.2 | 34,510.8 | 70,461.3 | 52,754.8 | 26,640,627.8 | | Caja | 782,108.6 | 414,984.8 | 2,114,338.6 | 212,446.1 | 75,305.1 | 97,106.1 | 12,624.9 | 4,456.8 | 13,758.6 | 4,944.1 | 3,732,073.7 | | Banco Central de Nicaragua | 5,272,553.9 | 3,439,948.2 | 3,615,229.4 | 1,587,803.7 | 801,391.0 | 388,245.4 | 2,138,703.9 | 6,315.1 | 0.0 | 0.0 | 17,250,190.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 20,933.2 | 0.0 | 1,319.7 | 0.0 | 23,739.0 | 56,702.7 | 47,810.8 | 150,505.3 | | Depositos en Instituciones Financieras del exterior | 2,046,736.3 | 590,782.9 | 1,044,684.4 | 430,138.6 | 101,520.6 | 14,496.1 | 630,750.5 | 0.0 | 0.0 | 0.0 | 4,859,109.4 | | Otras disponibilidades | 88,324.5 | 317,388.7 | 88,168.4 | 79,144.5 | 72,034.7 | 3,687.8 | 0.0 | 0.0 | 0.0 | 0.0 | 648,748.7 | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,838,875.2 | 7,418,643.3 | 1,362,874.0 | 1,114,637.3 | 571,333.0 | 0.0 | 138,994.9 | 0.0 | 0.0 | 140,303.5 | 21,585,661.1 | | Inversiones al Valor Razonable con Cambios en Resultados | 578,189.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 578,189.4 | | Inversiones Disponibles para la Venta | 3,710,533.9 | 4,254,508.2 | 1,362,874.0 | 193,120.0 | 571,333.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,092,369.1 | | Inversiones Mantenidas Hasta el Vencimiento | 6,550,151.9 | 3,164,135.1 | 0.0 | 921,517.4 | 0.0 | 0.0 | 138,994.9 | 0.0 | 0.0 | 140,303.5 | 10,915,102.7 | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 141,839.4 | 132,829.1 | 0.0 | 39,617.2 | 0.0 | 0.0 | 4,791.3 | 0.0 | 0.0 | 0.0 | 319,077.0 | | | | | | | | | | | | | | | Cartera de Creditos, neta | 30,239,395.7 | 29,113,065.2 | 28,747,941.7 | 13,607,795.8 | 4,895,703.5 | 2,969,245.5 | 8,829.5 | 1,257,174.2 | 947,995.0 | 937,039.0 | 112,724,185.0 | | Créditos vigentes | 29,592,581.2 | 28,350,409.1 | 28,792,244.7 | 13,405,583.7 | 4,875,405.8 | 2,927,069.8 | 8,916.4 | 1,249,984.4 | 923,172.0 | 895,183.6 | 111,020,550.7 | | Créditos prorrogados | 283,880.1 | 8,886.2 | 3,721.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 901.6 | 0.0 | 297,389.6 | | Créditos reestructurados | 415,680.6 | 773,873.5 | 118,657.8 | 223,718.1 | 42,954.8 | 75,413.5 | 0.0 | 8,425.0 | 7,247.2 | 0.0 | 1,665,970.5 | | Créditos vencidos | 156,941.2 | 78,422.2 | 136,807.9 | 88,531.5 | 98,618.9 | 18,610.6 | 0.0 | 11,826.3 | 11,668.1 | 8,420.0 | 609,846.9 | | Créditos en cobro judicial | 52,390.4 | 172,341.1 | 138,074.4 | 72,001.7 | 4,867.3 | 3,569.0 | 0.0 | 1,471.1 | 0.0 | 0.0 | 444,715.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 417,411.2 | 385,210.2 | 247,698.9 | 128,439.4 | 74,805.8 | 47,021.5 | 2.2 | 23,495.7 | 29,920.8 | 53,605.3 | 1,407,611.1 | | Provisiones por incobrabilidad de cartera de creditos | -679,488.9 | -656,077.2 | -689,263.8 | -310,478.6 | -200,949.2 | -102,438.9 | -89.2 | -38,028.4 | -24,914.7 | -20,169.9 | -2,721,898.8 | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 213,703.1 | 333,500.8 | 87,949.1 | 42,683.9 | 32,219.8 | 8,680.0 | 2,313.0 | 22,475.5 | 1,880.5 | 2,252.4 | 747,658.1 | | Bienes de uso, neto | 803,800.1 | 352,921.3 | 651,586.0 | 129,834.3 | 113,404.5 | 251,697.6 | 25,207.7 | 23,635.5 | 45,619.9 | 23,123.6 | 2,420,830.4 | | Bienes recibidos en recuperacion de creditos, neto | 18,408.0 | 132,439.8 | 9,934.2 | 15,844.5 | 11.2 | 630.3 | 0.0 | 2,342.6 | 0.0 | 0.0 | 179,610.6 | | Invesiones permanentes en acciones | 167,202.2 | 558,018.3 | 65,382.1 | 15,653.0 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 819,755.7 | | Otros activos neto | 112,609.6 | 578,300.9 | 91,600.6 | 128,948.1 | 122,835.1 | 67,062.6 | 86,424.4 | 33,974.9 | 25,083.5 | 58,214.3 | 1,305,053.8 | | Pasivo | 49,650,347.3 | 40,976,598.9 | 35,559,566.3 | 16,806,718.6 | 6,021,195.5 | 3,595,062.0 | 3,517,594.0 | 1,135,287.1 | 900,216.0 | 1,065,893.6 | 159,228,479.5 | | Obligaciones con el Público | 43,890,178.7 | 32,515,964.2 | 32,267,083.6 | 12,778,214.7 | 5,784,066.0 | 2,872,645.1 | 2,871,927.4 | 107,439.6 | 0.0 | 0.0 | 133,087,519.3 | | Moneda Nacional | 12,545,917.8 | 8,206,682.5 | 7,184,900.5 | 2,021,919.3 | 905,939.2 | 476,978.2 | 820,412.5 | 0.0 | 0.0 | 0.0 | 32,162,750.1 | | Depositos a la Vista | 5,705,590.3 | 4,652,860.1 | 4,647,498.9 | 551,524.6 | 568,749.8 | 241,221.2 | 530,642.4 | 0.0 | 0.0 | 0.0 | 16,898,087.2 | | Depositos de Ahorro | 5,725,248.3 | 2,988,347.2 | 2,204,031.6 | 1,347,340.4 | 149,985.0 | 193,416.3 | 289,262.4 | 0.0 | 0.0 | 0.0 | 12,897,631.3 | | Depositos a Plazo | 1,115,079.2 | 565,475.2 | 333,370.0 | 123,054.4 | 187,204.4 | 42,340.7 | 507.7 | 0.0 | 0.0 | 0.0 | 2,367,031.6 | | 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 | | | | | | | | | | | | | | | Moneda Extranjera | 30,826,847.0 | 23,905,102.9 | 24,267,556.8 | 10,166,153.3 | 4,795,887.7 | 2,340,713.4 | 2,050,808.2 | 0.0 | 0.0 | 0.0 | 98,353,069.3 | | Depositos a la Vista | 9,252,544.6 | 7,008,532.3 | 7,166,706.9 | 693,998.1 | 835,273.5 | 243,279.1 | 2,043,858.3 | 0.0 | 0.0 | 0.0 | 27,244,192.7 | | Depositos de Ahorro | 12,479,562.2 | 9,849,455.6 | 9,982,021.9 | 5,075,758.6 | 1,479,076.1 | 1,010,645.5 | 1,010.2 | 0.0 | 0.0 | 0.0 | 39,877,530.0 | | Depositos a Plazo | 9,094,740.3 | 7,047,114.9 | 7,118,827.9 | 4,396,396.6 | 2,481,538.1 | 1,086,788.9 | 5,939.8 | 0.0 | 0.0 | 0.0 | 31,231,346.5 | | 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 | | | | | | | | | | | | | | | Otras obligaciones | 360,797.0 | 268,369.6 | 663,077.5 | 469,808.0 | 27,224.4 | 29,502.7 | 665.7 | 106,478.4 | 0.0 | 0.0 | 1,925,923.4 | | Cargos financieros por pagar sobre obligaciones con el Público | 156,616.9 | 135,809.1 | 151,548.8 | 120,333.9 | 55,014.7 | 25,450.8 | 41.0 | 961.2 | 0.0 | 0.0 | 645,776.5 | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,708,107.2 | 5,896,289.0 | 2,562,455.5 | 3,180,683.6 | 0.0 | 473,982.7 | 8,411.9 | 960,297.1 | 768,448.4 | 1,028,937.0 | 19,587,612.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 93,225.9 | 172,926.6 | 103,796.4 | 88,716.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 458,665.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 844,249.6 | 1,478,902.7 | 176,901.0 | 631,207.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,131,260.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 55,173.8 | 0.0 | 0.0 | 0.0 | 0.0 | 165,521.4 | 0.0 | 0.0 | 640,107.8 | 0.0 | 860,803.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,715,457.9 | 4,244,459.7 | 2,281,758.2 | 2,460,759.6 | 0.0 | 308,461.3 | 8,411.9 | 960,297.1 | 128,340.6 | 1,028,937.0 | 15,136,883.3 | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 449,937.2 | 162,039.2 | 0.0 | 112,252.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 724,228.5 | | Operaciones con Reportos y Valores Derivados | 0.0 | 100,024.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100,024.0 | | Otras cuentas por pagar | 164,461.2 | 533,357.6 | 172,656.8 | 47,946.5 | 50,398.7 | 26,939.6 | 2,026.1 | 15,524.5 | 35,855.0 | 9,599.3 | 1,058,765.2 | | Otros pasivos y provisiones | 403,111.6 | 744,540.2 | 557,370.3 | 172,997.3 | 186,730.9 | 90,833.9 | 635,228.6 | 52,026.0 | 40,173.3 | 27,357.3 | 2,910,369.2 | | Obligaciones subordinadas | 34,551.4 | 1,024,384.8 | 0.0 | 514,624.5 | 0.0 | 130,660.8 | 0.0 | 0.0 | 55,739.3 | 0.0 | 1,759,960.8 | | Impuestos diferidos | 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 | | Patrimonio | 5,154,813.3 | 4,592,961.3 | 5,466,414.5 | 1,660,690.8 | 1,118,172.6 | 426,810.9 | 482,490.8 | 285,780.5 | 219,650.9 | 164,830.9 | 19,572,616.5 | | Capital social pagado | 2,702,500.0 | 2,416,900.0 | 2,790,361.1 | 830,000.0 | 429,016.3 | 779,880.4 | 402,700.0 | 223,815.0 | 170,340.0 | 168,900.1 | 10,914,412.9 | | Capital donado | 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 | 228,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 121,900.0 | 0.0 | 14,870.0 | 0.0 | 364,770.8 | | 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 | | Ajustes al patrimonio | -3.4 | -30,862.4 | -3,237.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -34,103.1 | | Reservas patrimoniales | 829,778.1 | 826,619.7 | 914,234.0 | 280,391.3 | 258,783.9 | 38,373.0 | 0.0 | 10,433.3 | 2,799.8 | 0.0 | 3,161,413.1 | | Resultados acumulados de ejercicios anteriores | 588,555.3 | 562,493.7 | 978,836.4 | 317,082.0 | 412,866.7 | -441,973.0 | -10,217.0 | 19,154.8 | 13,573.9 | -6,352.0 | 2,434,021.0 | | Resultados del Periodo | 805,983.3 | 817,809.7 | 786,220.3 | 233,217.4 | 17,505.7 | 50,530.2 | -31,892.2 | 32,377.5 | 18,067.1 | 2,282.8 | 2,732,101.9 | | Cuentas contingentes | 16,156,739.8 | 10,066,794.2 | 8,689,802.9 | 1,046,488.6 | 4,744,375.0 | 15,664.4 | 0.0 | 0.0 | 23,423.8 | 0.0 | 40,743,288.7 | | Cuentas de orden | 77,396,769.1 | 30,168,409.2 | 273,895,333.5 | 35,797,664.0 | 5,790,633.4 | 9,863,912.2 | 33,016,508.6 | 2,415,051.2 | 1,802,751.1 | 1,736,731.0 | 471,883,763.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2014 C$ 26.2733 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2015 C$ 27.5869 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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