| 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 | 60,874,968.9 | 48,954,292.9 | 47,971,026.6 | 21,276,521.6 | 10,811,059.4 | 4,534,404.9 | 5,739,426.6 | 1,776,693.1 | 1,394,103.9 | 1,857,444.8 | 1,254,125.3 | 206,444,068.0 | | Disponibilidades | 15,385,478.6 | 8,284,853.1 | 11,992,975.3 | 3,960,604.9 | 1,714,935.0 | 729,329.3 | 3,781,491.0 | 106,727.1 | 161,467.9 | 176,267.3 | 266,270.3 | 46,560,399.8 | | Moneda Nacional | 4,852,735.7 | 2,775,329.6 | 3,614,326.8 | 817,665.6 | 371,312.7 | 185,339.6 | 1,979,012.7 | 84,508.8 | 27,089.2 | 33,276.9 | 78,316.2 | 14,818,913.8 | | Caja | 1,543,122.8 | 1,055,141.3 | 1,458,993.5 | 158,938.8 | 86,407.2 | 108,988.5 | 28,610.1 | 10,812.6 | 20,813.4 | 16,885.3 | 41,813.6 | 4,530,527.1 | | Banco Central de Nicaragua | 3,209,560.4 | 1,574,126.0 | 1,987,807.3 | 429,011.2 | 273,324.0 | 69,237.0 | 1,928,134.9 | 48,482.8 | 0.0 | 0.0 | 0.0 | 9,519,683.5 | | Depositos e Instituciones Financieras del Pais | 914.8 | 10.0 | 0.0 | 112,887.4 | 493.6 | 820.1 | 0.0 | 25,213.4 | 6,275.8 | 16,391.6 | 36,502.6 | 199,509.4 | | Otras disponibilidades | 99,137.6 | 146,052.4 | 167,526.1 | 116,828.2 | 11,087.8 | 6,294.1 | 22,267.7 | 0.0 | 0.0 | 0.0 | 0.0 | 569,193.8 | | | | | | | | | | | | | | | | Moneda Extranjera | 10,532,742.9 | 5,509,523.5 | 8,378,648.5 | 3,142,939.3 | 1,343,622.3 | 543,989.8 | 1,802,478.3 | 22,218.3 | 134,378.7 | 142,990.4 | 187,954.1 | 31,741,486.0 | | Caja | 877,188.8 | 456,537.7 | 2,718,351.2 | 197,485.9 | 116,678.2 | 112,985.9 | 19,472.9 | 8,130.5 | 11,355.1 | 8,257.7 | 24,225.5 | 4,550,669.4 | | Banco Central de Nicaragua | 7,245,170.4 | 3,593,490.0 | 4,590,691.9 | 1,824,484.2 | 1,019,209.0 | 398,557.9 | 1,628,867.4 | 7,056.7 | 0.0 | 0.0 | 0.0 | 20,307,527.5 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 214,327.8 | 0.0 | 229.1 | 133,047.2 | 7,031.1 | 123,023.6 | 134,732.7 | 163,728.6 | 776,120.1 | | Depositos en Instituciones Financieras del exterior | 2,273,634.8 | 1,135,817.9 | 981,314.0 | 833,231.2 | 90,567.8 | 26,738.1 | 12,108.2 | 0.0 | 0.0 | 0.0 | 0.0 | 5,353,412.0 | | Otras disponibilidades | 136,748.9 | 323,677.9 | 88,291.5 | 73,410.1 | 117,167.3 | 5,478.7 | 8,982.6 | 0.0 | 0.0 | 0.0 | 0.0 | 753,756.9 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,180,994.1 | 6,070,103.4 | 1,790,855.1 | 796,848.8 | 1,081,270.9 | 0.0 | 607,036.5 | 0.0 | 0.0 | 146,195.6 | 40.3 | 18,673,344.7 | | 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 | 1,559,788.2 | 4,248,559.1 | 1,790,855.1 | 69,034.4 | 1,081,270.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,749,507.7 | | Inversiones Mantenidas Hasta el Vencimiento | 6,621,205.8 | 1,821,544.3 | 0.0 | 727,814.4 | 0.0 | 0.0 | 607,036.5 | 0.0 | 0.0 | 146,195.6 | 40.3 | 9,923,837.0 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 818,556.5 | 0.0 | 0.0 | 76,538.6 | 301,512.9 | 0.0 | 310,769.0 | 0.0 | 0.0 | 21,961.7 | 0.0 | 1,529,338.8 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 34,953,723.2 | 32,303,756.0 | 33,220,532.3 | 16,059,071.3 | 7,388,516.0 | 3,472,414.1 | 785,667.7 | 1,553,990.3 | 1,151,376.0 | 1,410,389.3 | 873,281.8 | 133,172,718.0 | | Créditos vigentes | 34,268,510.7 | 31,628,347.5 | 33,233,916.3 | 15,811,666.6 | 7,351,927.5 | 3,420,657.6 | 786,080.2 | 1,543,318.7 | 1,117,099.8 | 1,347,114.9 | 862,738.4 | 131,371,378.2 | | Créditos prorrogados | 176,428.0 | 20,599.9 | 7,548.9 | 2,526.6 | 0.0 | 0.0 | 0.0 | 0.0 | 3,780.8 | 0.0 | 0.0 | 210,884.3 | | Créditos reestructurados | 557,526.5 | 604,800.9 | 84,604.6 | 245,259.1 | 76,902.1 | 79,498.2 | 0.0 | 11,981.1 | 16,503.4 | 0.0 | 0.0 | 1,677,076.0 | | Créditos vencidos | 195,524.0 | 165,667.0 | 207,928.8 | 124,578.1 | 94,295.0 | 22,791.8 | 0.0 | 14,644.3 | 14,003.8 | 17,019.5 | 35.6 | 856,487.9 | | Créditos en cobro judicial | 94,444.7 | 80,295.7 | 183,786.0 | 65,879.5 | 5,090.4 | 9,539.4 | 0.0 | 1,617.9 | 1,099.2 | 0.0 | 0.0 | 441,752.7 | | Intereses y Comisiones por Cobrar sobre Creditos | 438,063.8 | 449,187.2 | 323,661.0 | 157,461.5 | 92,737.5 | 56,880.6 | 7,657.2 | 30,497.9 | 32,948.4 | 82,709.9 | 21,746.3 | 1,693,551.2 | | Provisiones por incobrabilidad de cartera de creditos | -776,774.4 | -645,142.3 | -820,913.4 | -348,300.0 | -232,436.6 | -116,953.4 | -8,069.7 | -48,069.6 | -34,059.3 | -36,454.9 | -11,238.4 | -3,078,412.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 111,581.0 | 321,516.9 | 84,027.5 | 55,795.7 | 25,692.3 | 11,768.3 | 164,501.8 | 28,299.5 | 457.9 | 743.4 | 17,875.1 | 822,259.5 | | Bienes de uso, neto | 975,640.2 | 502,332.9 | 678,187.5 | 154,885.1 | 137,368.2 | 234,603.8 | 19,187.3 | 43,951.0 | 48,200.9 | 47,241.8 | 46,865.5 | 2,888,464.1 | | Bienes recibidos en recuperacion de creditos, neto | 17,105.3 | 344,475.0 | 10,281.2 | 18,482.6 | 0.0 | 443.1 | 0.0 | 3,013.8 | 605.1 | 918.6 | 0.0 | 395,324.7 | | Invesiones permanentes en acciones | 182,413.4 | 731,847.0 | 68,146.0 | 18,801.6 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,014,707.9 | | Otros activos neto | 249,476.6 | 395,408.5 | 126,021.8 | 135,492.9 | 155,014.1 | 79,096.3 | 70,773.3 | 40,711.4 | 31,996.1 | 53,727.2 | 49,792.2 | 1,387,510.5 | | Pasivo | 55,083,066.1 | 43,393,158.4 | 41,348,222.0 | 19,364,168.4 | 9,539,333.2 | 4,058,421.6 | 5,124,238.0 | 1,441,175.0 | 1,150,983.9 | 1,620,277.0 | 1,024,948.3 | 183,147,991.9 | | Obligaciones con el Público | 49,328,011.0 | 34,029,423.7 | 36,438,842.9 | 13,935,258.3 | 6,678,802.0 | 3,126,859.3 | 5,080,965.0 | 116,149.9 | 0.0 | 0.0 | 0.0 | 148,734,312.0 | | Moneda Nacional | 14,058,498.2 | 8,718,152.1 | 7,864,777.6 | 2,231,698.0 | 718,336.8 | 409,496.5 | 2,159,792.2 | 0.0 | 0.0 | 0.0 | 0.0 | 36,160,751.3 | | Depositos a la Vista | 6,810,088.3 | 5,011,271.0 | 5,095,303.0 | 412,629.1 | 379,380.2 | 163,394.2 | 1,509,619.4 | 0.0 | 0.0 | 0.0 | 0.0 | 19,381,685.2 | | Depositos de Ahorro | 6,109,317.0 | 3,042,590.1 | 2,407,382.9 | 1,565,239.0 | 163,469.0 | 196,753.8 | 582,074.1 | 0.0 | 0.0 | 0.0 | 0.0 | 14,066,825.9 | | Depositos a Plazo | 1,139,092.9 | 664,291.0 | 362,091.6 | 253,829.8 | 175,487.6 | 49,348.5 | 68,098.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,712,240.2 | | 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 | 34,470,164.6 | 24,760,169.0 | 27,880,570.3 | 11,025,595.0 | 5,863,151.4 | 2,660,489.6 | 2,822,092.0 | 0.0 | 0.0 | 0.0 | 0.0 | 109,482,231.9 | | Depositos a la Vista | 12,160,099.6 | 6,812,316.9 | 8,682,337.0 | 627,041.8 | 1,238,860.2 | 324,361.9 | 2,593,413.2 | 0.0 | 0.0 | 0.0 | 0.0 | 32,438,430.6 | | Depositos de Ahorro | 14,350,056.5 | 10,614,267.7 | 11,331,139.9 | 5,554,675.9 | 1,633,959.6 | 1,013,532.5 | 18,521.1 | 0.0 | 0.0 | 0.0 | 0.0 | 44,516,153.2 | | Depositos a Plazo | 7,960,008.4 | 7,333,584.4 | 7,867,093.4 | 4,843,877.3 | 2,990,331.7 | 1,322,595.2 | 210,157.7 | 0.0 | 0.0 | 0.0 | 0.0 | 32,527,648.1 | | 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 | 637,314.9 | 397,346.6 | 512,436.7 | 549,408.9 | 33,685.4 | 29,716.8 | 90,483.1 | 115,457.4 | 0.0 | 0.0 | 0.0 | 2,365,849.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 162,033.2 | 153,756.0 | 181,058.3 | 128,556.5 | 63,628.4 | 27,156.4 | 8,597.7 | 692.5 | 0.0 | 0.0 | 0.0 | 725,479.0 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 4,171,279.9 | 7,348,332.7 | 4,075,321.4 | 4,526,196.2 | 2,060,770.6 | 651,202.4 | 9,392.9 | 1,246,183.3 | 988,717.6 | 1,506,287.3 | 967,960.6 | 27,551,644.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 79,181.3 | 189,254.4 | 89,602.1 | 225,342.3 | 288,516.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 871,896.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 665,091.9 | 1,384,002.2 | 511,394.6 | 800,742.8 | 263,270.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,624,502.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 54,217.8 | 0.0 | 0.0 | 0.0 | 375,070.8 | 144,258.0 | 0.0 | 0.0 | 868,745.8 | 0.0 | 776,108.0 | 2,218,400.5 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,372,789.0 | 5,775,076.0 | 3,474,324.7 | 3,500,111.1 | 1,133,912.9 | 506,944.4 | 9,392.9 | 1,246,183.3 | 119,971.8 | 1,506,287.3 | 191,852.6 | 20,836,845.9 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 403,893.7 | 44,549.8 | 0.0 | 146,849.7 | 215,351.7 | 20,923.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 831,568.0 | | Operaciones con Reportos y Valores Derivados | 492,888.6 | 0.0 | 0.0 | 0.0 | 331,513.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 824,401.9 | | Otras cuentas por pagar | 216,778.3 | 353,213.3 | 213,152.4 | 53,360.5 | 95,192.1 | 23,423.1 | 1,284.5 | 12,957.5 | 48,960.4 | 14,491.8 | 35,134.0 | 1,067,947.9 | | Otros pasivos y provisiones | 470,214.7 | 663,401.8 | 620,905.3 | 195,844.2 | 157,703.5 | 101,904.8 | 32,595.7 | 65,884.4 | 55,504.1 | 40,557.1 | 21,853.7 | 2,426,369.3 | | Obligaciones subordinadas | 0.0 | 954,237.1 | 0.0 | 506,659.5 | 0.0 | 134,108.9 | 0.0 | 0.0 | 57,801.8 | 58,940.7 | 0.0 | 1,711,747.9 | | 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 | 5,791,902.8 | 5,561,134.6 | 6,622,804.6 | 1,912,353.1 | 1,271,726.1 | 475,983.3 | 615,188.6 | 335,518.1 | 243,120.1 | 237,167.8 | 229,177.0 | 23,296,076.1 | | Capital social pagado | 3,213,500.0 | 2,972,800.0 | 2,790,361.1 | 979,500.0 | 529,916.1 | 779,880.4 | 524,600.0 | 266,365.0 | 185,210.0 | 168,900.1 | 249,655.7 | 12,660,688.4 | | 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 | 48,640.1 | 0.0 | 48,640.9 | | 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 | 0.0 | -4,584.0 | -2,597.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -7,181.9 | | Reservas patrimoniales | 999,454.5 | 1,022,798.1 | 1,072,977.0 | 330,676.4 | 263,459.5 | 48,054.6 | 0.0 | 17,628.9 | 6,533.7 | 1,184.8 | 0.0 | 3,762,767.5 | | Resultados acumulados de ejercicios anteriores | 754,925.1 | 753,271.4 | 1,878,379.9 | 351,960.8 | 439,361.5 | -387,110.5 | -8,865.6 | 11,706.5 | 34,732.5 | 362.1 | -8,858.8 | 3,819,865.0 | | Resultados del Periodo | 824,023.2 | 816,848.4 | 883,684.6 | 250,215.9 | 38,989.0 | 35,158.6 | 99,454.3 | 39,817.6 | 16,643.9 | 18,080.6 | -11,619.9 | 3,011,296.1 | | Cuentas contingentes | 19,552,288.9 | 7,516,907.5 | 11,139,755.3 | 1,304,394.4 | 6,435,956.8 | 6,674.5 | 32,989.8 | 0.0 | 124,674.3 | 0.0 | 0.0 | 46,113,641.6 | | Cuentas de orden | 89,094,320.5 | 33,808,532.8 | 233,890,315.2 | 43,318,202.8 | 10,133,719.3 | 10,948,571.8 | 44,179,003.8 | 2,674,270.9 | 2,351,666.8 | 1,198,778.8 | 587,187.6 | 472,184,570.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2015 C$ 27.4765 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2016 C$ 28.8516 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
|
|
