| 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 | 67,238,832.4 | 57,202,995.4 | 52,411,691.2 | 23,002,704.4 | 12,406,880.7 | 5,473,590.2 | 6,644,714.3 | 2,206,072.3 | 1,561,830.7 | 1,834,635.8 | 3,089,380.0 | 233,073,327.4 | | Disponibilidades | 15,148,936.9 | 8,654,001.4 | 13,369,152.4 | 3,621,773.7 | 2,194,417.8 | 1,091,272.3 | 3,538,946.1 | 186,026.0 | 136,430.1 | 170,923.1 | 358,933.5 | 48,470,813.3 | | Moneda Nacional | 5,315,501.4 | 2,675,442.5 | 3,152,634.2 | 669,859.5 | 499,976.9 | 259,727.3 | 841,675.3 | 125,570.4 | 64,841.0 | 46,590.7 | 100,340.5 | 13,752,159.7 | | Caja | 1,696,313.2 | 1,122,444.4 | 1,442,643.2 | 178,286.0 | 100,483.9 | 178,350.1 | 27,029.0 | 11,703.7 | 23,213.2 | 22,759.8 | 50,658.0 | 4,853,884.6 | | Banco Central de Nicaragua | 3,459,910.1 | 1,254,159.9 | 1,500,681.8 | 381,629.5 | 373,855.2 | 68,751.4 | 745,039.1 | 77,106.5 | 3,640.8 | 100.0 | 0.0 | 7,864,874.2 | | Depositos e Instituciones Financieras del Pais | 11,961.5 | 10.0 | 18,027.6 | 55,773.1 | 14,914.9 | 2,513.2 | 0.0 | 36,760.3 | 37,987.0 | 23,656.4 | 49,682.5 | 251,286.5 | | Otras disponibilidades | 147,316.6 | 298,828.2 | 191,281.6 | 54,170.8 | 10,722.9 | 10,112.6 | 69,607.1 | 0.0 | 0.0 | 74.4 | 0.0 | 782,114.4 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,833,435.5 | 5,978,558.9 | 10,216,518.2 | 2,951,914.2 | 1,694,440.9 | 831,544.9 | 2,697,270.9 | 60,455.6 | 71,589.0 | 124,332.4 | 258,593.0 | 34,718,653.5 | | Caja | 938,976.3 | 549,267.1 | 2,842,306.2 | 178,844.4 | 138,318.7 | 140,468.1 | 16,446.2 | 9,938.0 | 12,869.9 | 8,702.5 | 21,469.7 | 4,857,607.1 | | Banco Central de Nicaragua | 5,662,899.5 | 4,062,833.5 | 5,185,578.4 | 1,905,776.4 | 1,237,850.7 | 603,255.6 | 2,527,657.3 | 16,262.6 | 2,391.4 | 12,017.1 | 0.0 | 21,216,522.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 106,407.7 | 0.0 | 2,124.3 | 142,205.7 | 34,255.0 | 56,327.7 | 103,612.8 | 237,123.3 | 682,056.6 | | Depositos en Instituciones Financieras del exterior | 3,133,193.7 | 870,896.5 | 2,082,831.1 | 698,215.3 | 181,893.4 | 78,624.9 | 9,997.7 | 0.0 | 0.0 | 0.0 | 0.0 | 7,055,652.5 | | Otras disponibilidades | 98,366.0 | 495,561.8 | 105,802.6 | 62,670.4 | 136,378.1 | 7,072.1 | 963.9 | 0.0 | 0.0 | 0.0 | 0.0 | 906,814.9 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,377,633.2 | 9,419,376.6 | 1,183,004.7 | 1,059,298.2 | 1,235,037.9 | 0.0 | 1,232,734.1 | 0.0 | 0.0 | 0.0 | 42.8 | 24,507,127.6 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 75,083.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 75,083.2 | | Inversiones Disponibles para la Venta | 2,730,952.3 | 6,569,709.3 | 1,183,004.7 | 398,929.5 | 1,159,954.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,042,550.4 | | Inversiones Mantenidas Hasta el Vencimiento | 7,646,680.9 | 2,849,667.3 | 0.0 | 660,368.8 | 0.0 | 0.0 | 1,232,734.1 | 0.0 | 0.0 | 0.0 | 42.8 | 12,389,494.0 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 195,065.4 | 249,525.6 | 0.0 | 50,017.1 | 344,339.8 | 102,110.1 | 412,602.8 | 50,012.3 | 0.0 | 0.0 | 0.0 | 1,403,673.3 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 39,215,289.0 | 36,353,002.8 | 36,825,075.4 | 17,870,719.2 | 8,274,977.0 | 3,917,787.3 | 1,339,322.3 | 1,831,101.4 | 1,350,144.5 | 1,558,746.2 | 2,608,763.3 | 151,144,928.4 | | Créditos vigentes | 38,215,336.7 | 35,589,359.1 | 36,899,023.8 | 17,589,657.6 | 8,121,646.5 | 3,868,114.5 | 1,339,166.5 | 1,815,344.7 | 1,314,282.5 | 1,506,167.9 | 2,554,590.6 | 148,812,690.5 | | Créditos prorrogados | 262,343.8 | 57,137.8 | 10,989.7 | 4,909.8 | 908.4 | 0.0 | 0.0 | 0.0 | 2,255.0 | 0.0 | 0.0 | 338,544.5 | | Créditos reestructurados | 754,151.0 | 656,114.1 | 153,110.2 | 260,299.3 | 142,305.1 | 87,600.9 | 5,135.0 | 21,283.2 | 18,830.9 | 387.7 | 0.0 | 2,099,217.4 | | Créditos vencidos | 203,104.4 | 180,618.2 | 168,078.4 | 205,264.3 | 118,789.3 | 26,706.4 | 0.0 | 23,924.8 | 16,921.4 | 54,244.6 | 16,105.3 | 1,013,757.1 | | Créditos en cobro judicial | 101,138.2 | 87,478.2 | 158,394.5 | 70,946.2 | 0.0 | 5,085.1 | 0.0 | 1,064.7 | 3,704.7 | 0.0 | 0.0 | 427,811.5 | | Intereses y Comisiones por Cobrar sobre Creditos | 532,123.0 | 541,096.8 | 349,770.8 | 160,378.2 | 171,117.4 | 55,652.8 | 18,842.7 | 35,694.3 | 36,248.7 | 85,774.3 | 89,722.2 | 2,076,421.3 | | Provisiones por incobrabilidad de cartera de creditos | -852,908.1 | -758,801.4 | -914,292.0 | -420,736.3 | -279,789.8 | -125,372.3 | -23,821.9 | -66,210.3 | -42,098.8 | -87,828.3 | -51,654.7 | -3,623,513.9 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 118,098.0 | 457,743.2 | 92,498.2 | 59,955.9 | 16,319.8 | 10,612.4 | 32,693.5 | 17,332.5 | 1,570.8 | 2,749.2 | 10,627.7 | 820,201.3 | | Bienes de uso, neto | 1,171,026.6 | 548,785.9 | 683,572.5 | 151,957.3 | 145,418.4 | 225,184.1 | 17,855.7 | 46,299.7 | 46,477.5 | 49,640.7 | 48,360.2 | 3,134,578.7 | | Bienes recibidos en recuperacion de creditos, neto | 104,226.2 | 248,720.7 | 8,544.2 | 25,473.8 | 2,570.5 | 13,942.0 | 7,863.9 | 4,538.9 | 1,134.2 | 1,788.6 | 171.3 | 418,974.5 | | Invesiones permanentes en acciones | 201,926.6 | 912,242.9 | 69,013.7 | 22,989.4 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,219,672.6 | | Otros activos neto | 706,630.4 | 359,596.2 | 180,830.0 | 140,519.8 | 187,049.4 | 105,932.1 | 62,695.7 | 70,761.3 | 26,073.7 | 50,787.9 | 62,481.2 | 1,953,357.8 | | Pasivo | 60,674,244.9 | 50,686,804.7 | 45,138,443.6 | 20,810,155.1 | 10,885,657.2 | 4,913,920.3 | 6,040,339.1 | 1,806,165.2 | 1,303,554.1 | 1,550,133.2 | 2,594,084.4 | 206,403,501.8 | | Obligaciones con el Público | 52,989,096.7 | 37,327,472.4 | 36,610,443.0 | 14,484,448.9 | 7,442,962.6 | 3,389,875.4 | 5,982,545.3 | 225,362.7 | 40,340.6 | 80,588.0 | 0.0 | 158,573,135.7 | | Moneda Nacional | 16,258,705.5 | 8,904,601.6 | 7,210,051.8 | 2,016,069.2 | 618,249.1 | 416,996.2 | 1,676,881.8 | 0.0 | 0.0 | 0.0 | 0.0 | 37,101,555.2 | | Depositos a la Vista | 8,444,521.4 | 4,779,431.9 | 4,438,897.9 | 398,208.5 | 421,983.3 | 175,377.2 | 1,617,622.8 | 0.0 | 0.0 | 0.0 | 0.0 | 20,276,043.1 | | Depositos de Ahorro | 6,198,659.7 | 3,647,524.2 | 2,362,237.3 | 1,381,232.5 | 175,205.0 | 198,206.4 | 48,846.4 | 0.0 | 0.0 | 0.0 | 0.0 | 14,011,911.5 | | Depositos a Plazo | 1,615,524.4 | 477,645.5 | 408,916.6 | 236,628.1 | 21,060.8 | 43,412.5 | 10,412.6 | 0.0 | 0.0 | 0.0 | 0.0 | 2,813,600.6 | | 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 | | | | | | | | | | | | | | | | Moneda Extranjera | 36,087,876.0 | 27,900,094.5 | 28,755,930.8 | 11,625,269.3 | 6,712,846.2 | 2,901,630.2 | 4,282,918.9 | 0.0 | 0.0 | 0.0 | 0.0 | 118,266,565.8 | | Depositos a la Vista | 9,746,068.4 | 7,852,335.5 | 8,591,095.5 | 1,000,226.1 | 1,525,010.8 | 569,513.5 | 3,977,292.8 | 0.0 | 0.0 | 0.0 | 0.0 | 33,261,542.6 | | Depositos de Ahorro | 15,602,268.9 | 11,627,339.0 | 12,174,270.7 | 5,805,139.9 | 1,804,722.3 | 1,090,556.8 | 7,981.6 | 0.0 | 0.0 | 0.0 | 0.0 | 48,112,279.2 | | Depositos a Plazo | 10,739,538.7 | 8,420,420.0 | 7,990,564.6 | 4,819,903.3 | 3,383,113.0 | 1,241,559.9 | 297,644.4 | 0.0 | 0.0 | 0.0 | 0.0 | 36,892,744.0 | | 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 | 429,698.8 | 363,607.8 | 481,488.4 | 704,869.0 | 44,395.8 | 51,536.7 | 14,037.1 | 224,042.8 | 39,898.6 | 80,244.3 | 0.0 | 2,433,819.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 212,816.4 | 159,168.6 | 162,972.1 | 138,241.5 | 67,471.5 | 19,712.3 | 8,707.5 | 1,319.9 | 442.0 | 343.7 | 0.0 | 771,195.4 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,549,129.7 | 11,152,418.8 | 7,698,687.0 | 5,454,113.1 | 2,564,487.6 | 1,184,257.6 | 10,344.2 | 1,497,830.6 | 1,051,633.2 | 1,365,462.3 | 2,354,778.6 | 39,883,142.7 | | Por Depósitos de Instituciones Financieras | 884,224.9 | 1,563,158.4 | 3,083,275.9 | 1,152,339.7 | 990,517.6 | 752,562.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,426,079.2 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 4,599,394.0 | 9,484,632.9 | 4,526,807.3 | 4,239,299.7 | 1,518,946.1 | 403,771.7 | 8,452.6 | 1,472,709.3 | 1,034,751.4 | 1,344,112.1 | 2,329,957.0 | 30,962,834.1 | | Préstamos de la Financiera Nicaraguense de Inversiones | 129,362.2 | 613,930.8 | 77,611.0 | 349,492.1 | 450,642.0 | 0.0 | 0.0 | 0.0 | 0.0 | 61,212.2 | 0.0 | 1,682,250.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 689,150.5 | 1,289,319.2 | 514,858.5 | 752,839.6 | 272,169.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,518,337.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 234,768.0 | 0.0 | 450,642.0 | 360,513.6 | 390,556.4 | 0.0 | 0.0 | 0.0 | 945,382.8 | 0.0 | 867,515.9 | 3,249,378.7 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,546,113.3 | 7,581,382.9 | 3,483,695.8 | 2,776,454.3 | 405,577.8 | 403,771.7 | 8,452.6 | 1,472,709.3 | 89,368.5 | 1,282,899.9 | 1,462,441.1 | 22,512,867.4 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 65,510.8 | 104,627.5 | 88,603.8 | 62,473.8 | 55,023.9 | 27,923.1 | 1,891.5 | 25,121.3 | 16,881.8 | 21,350.1 | 24,821.6 | 494,229.4 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 447,854.6 | 208,096.7 | 0.0 | 150,268.6 | 202,178.5 | 15,440.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,023,838.7 | | Operaciones con Reportos y Valores Derivados | 0.0 | 200,047.9 | 0.0 | 0.0 | 357,866.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 557,914.3 | | Otras cuentas por pagar | 251,524.7 | 263,820.0 | 184,866.2 | 44,496.6 | 140,674.5 | 32,741.2 | 20,496.1 | 13,247.0 | 54,001.3 | 11,051.1 | 39,212.2 | 1,056,131.0 | | Otros pasivos y provisiones | 509,126.7 | 666,169.1 | 644,447.4 | 197,567.8 | 177,487.7 | 104,412.6 | 26,953.5 | 69,724.9 | 64,630.8 | 19,206.9 | 47,117.3 | 2,526,844.5 | | Obligaciones subordinadas | 927,512.5 | 868,779.8 | 0.0 | 479,260.1 | 0.0 | 187,193.3 | 0.0 | 0.0 | 92,948.2 | 60,503.1 | 152,976.3 | 2,769,173.1 | | 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 | 13,321.8 | 0.0 | 13,321.8 | | Patrimonio | 6,564,587.5 | 6,516,190.7 | 7,273,247.6 | 2,192,549.4 | 1,521,223.5 | 559,669.9 | 604,375.2 | 399,907.1 | 258,276.7 | 284,502.6 | 495,295.6 | 26,669,825.6 | | 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 | -251.7 | 10,906.7 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,455.0 | | 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 | 700,023.8 | 792,613.1 | 745,715.1 | 154,185.2 | 81,931.1 | 32,853.3 | 41,901.6 | 35,825.0 | 16,481.4 | -9,236.4 | 30,882.3 | 2,623,175.5 | | Cuentas contingentes | 22,690,611.2 | 9,301,003.3 | 9,042,302.8 | 1,524,818.2 | 7,337,295.8 | 14,351.1 | 64,081.1 | 0.0 | 153,103.0 | 0.0 | 0.0 | 50,127,566.5 | | Cuentas de orden | 94,757,202.7 | 41,968,559.3 | 250,893,351.2 | 49,855,158.5 | 11,502,828.6 | 12,445,140.6 | 41,585,809.7 | 3,101,986.4 | 2,952,517.8 | 2,040,349.1 | 1,748,879.4 | 512,851,783.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2016 C$ 28.6142 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2017 C$ 30.0428 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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