Descripción 31/12/2012 31/12/2013 31/12/2014 31/12/2015

Activo 5,457,150.3 6,780,934.4 6,570,542.9 8,154,145.6

Disponibilidades 967,408.2 1,804,758.2 1,293,446.4 1,352,472.5

Moneda Nacional 234,366.1 419,742.5 369,254.4 299,021.6

Caja 43,281.4 48,796.1 106,459.9 87,771.4

Banco Central de Nicaragua 96,220.9 236,845.1 141,748.5 202,499.0

Depositos e Instituciones Financieras del Pais 8,635.8 6,831.6 902.5 8,751.2

Otras disponibilidades 86,228.0 127,269.7 120,143.7 0.0

Moneda Extranjera 733,042.1 1,385,015.7 924,192.0 1,053,450.8

Caja 84,742.9 81,247.4 138,564.4 93,613.3

Banco Central de Nicaragua 157,388.2 626,031.0 162,474.3 779,084.6

Depositos e Instituciones Financieras del Pais 0.0 0.0 0.0 0.0

Depositos en Instituciones Financieras del exterior 40,491.9 159,391.9 94,426.6 113,725.0

Otras disponibilidades 450,419.1 518,345.4 528,726.8 67,027.9

Inversiones en valores, neto 419,636.4 376,004.5 626,873.9 547,730.4

Inversiones al Valor Razonable con Cambios en Resultados 0.0 0.0 0.0 0.0

Inversiones Disponibles para la Venta 419,636.4 376,004.5 626,873.9 547,730.4

Inversiones Mantenidas Hasta el Vencimiento 0.0 0.0 0.0 0.0

Operaciones con Reportos y Valores Derivados 0.0 125,912.7 0.0 0.0

Cartera de Creditos, neta 3,926,929.4 4,349,769.1 4,478,622.3 5,966,464.0

Créditos vigentes 3,817,936.8 4,291,292.7 4,443,806.7 5,958,945.4

Créditos prorrogados 0.0 0.0 0.0 0.0

Créditos reestructurados 148,280.3 98,153.7 76,203.1 41,602.9

Créditos vencidos 74,517.8 85,404.1 118,978.0 93,241.3

Créditos en cobro judicial 6,860.2 9,027.5 5,191.9 4,927.5

Intereses y Comisiones por Cobrar sobre Creditos 45,438.9 53,087.3 54,555.6 73,348.4

Provisiones por incobrabilidad de cartera de creditos -166,104.6 -187,196.2 -220,112.9 -205,601.5

Otras cuentas por cobrar, neto 40,369.4 17,872.5 24,550.9 19,785.4

Bienes de uso, neto 85,961.0 64,769.0 118,520.3 119,313.1

Bienes recibidos en recuperacion de creditos, neto 1,688.3 851.1 11.2 11.2

Invesiones permanentes en acciones 0.0 0.0 0.0 6,750.0

Otros activos neto 15,157.7 40,997.2 28,517.8 141,618.9

Pasivo 4,684,280.6 5,835,481.8 5,598,892.3 7,005,911.4

Obligaciones con el Público 4,423,015.6 5,570,995.5 5,302,297.3 6,359,289.0

Moneda Nacional 662,942.9 1,148,253.0 905,445.2 789,327.5

Depositos a la Vista 289,754.2 417,245.7 362,041.1 294,801.2

Depositos de Ahorro 169,902.0 189,406.5 146,909.5 198,134.0

Depositos a Plazo 203,286.6 541,600.8 396,494.6 296,392.3

Otros Depósitos del Público 0.0 0.0 0.0 0.0

Moneda Extranjera 3,717,686.5 4,352,986.7 4,304,287.2 5,465,162.0

Depositos a la Vista 971,020.8 809,054.4 721,100.4 1,133,940.5

Depositos de Ahorro 1,744,270.6 1,812,283.9 1,554,993.6 1,453,197.8

Depositos a Plazo 1,002,395.2 1,731,648.4 2,028,193.2 2,878,023.7

Otros Depósitos del Público 0.0 0.0 0.0 0.0

Otras obligaciones 27,505.9 29,320.3 33,505.8 30,351.8

Cargos financieros por pagar sobre obligaciones con el Público 14,880.3 40,435.5 59,059.0 74,447.6

Obligaciones con Instituciones financieras y por otros financiamientos 45,519.8 0.0 0.0 238,546.8

Préstamos de la Financiera Nicaraguense de Inversiones 0.0 0.0 0.0 0.0

Préstamos del Banco Centroaméricano de Integración Económica 45,235.3 0.0 0.0 0.0

0.0 0.0 0.0 0.0

Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. 284.5 0.0 0.0 238,546.8

Obligaciones con el Banco Central de Nicaragua 0.0 0.0 0.0 0.0

Operaciones con Reportos y Valores Derivados 0.0 39,661.9 66,539.8 200,731.7

Otras cuentas por pagar 62,176.1 44,433.8 47,122.3 70,031.6

Otros pasivos y provisiones 153,569.1 180,390.5 182,933.0 137,312.3

Obligaciones subordinadas 0.0 0.0 0.0 0.0

Impuestos diferidos 0.0 0.0 0.0 0.0

Reservas para obligaciones laborales al retiro 0.0 0.0 0.0 0.0

Patrimonio 772,869.7 945,452.6 971,650.6 1,148,234.2

Capital social pagado 270,000.0 270,000.0 300,000.0 429,016.0

Capital donado 0.0 0.0 0.0 0.0

Aportes patrimoniales no capitalizables 0.0 0.0 0.0 0.0

Obligaciones convertibles en capital 0.0 0.0 0.0 0.0

Ajustes al patrimonio 0.0 0.0 0.0 0.0

Reservas patrimoniales 191,035.8 218,505.2 244,392.6 258,783.9

Resultados acumulados de ejercicios anteriores 128,704.6 284,364.5 331,316.3 412,866.7

Resultados del Periodo 183,129.3 172,582.9 95,941.7 47,567.6

Cuentas contingentes 5,128,215.1 4,328,508.5 4,631,033.3 5,125,938.1

Cuentas de orden 3,552,118.5 7,978,300.5 5,851,988.2 7,018,194.2

 2012-2013 2012-2014
Razon Razon
Absoluta Relativa Absoluta Relativa
31/12/2016

11,858,923.2
1,323,784.104 24.26 1,113,392.7 20.40
2,997,398.9
837,350.058 86.56 326,038.3 33.70
911,918.8
185,376.389 79.10 134,888.4 57.55
98,404.4
5,514.655 12.74 63,178.4 145.97
801,936.4
140,624.201 146.15 45,527.6 47.32
11,570.1
-1,804.227 -20.89 -7,733.3 -89.55
7.8
41,041.760 47.60 33,915.7 39.33

2,085,480.2
651,973.669 88.94 191,149.9 26.08
88,639.0
-3,495.476 -4.12 53,821.5 63.51
1,779,967.4
468,642.818 297.76 5,086.1 3.23
0.0

102,241.5
118,900.056 293.64 53,934.7 133.20
114,632.2
67,926.271 15.08 78,307.7 17.39
897,529.8
-43,631.904 -10.40 207,237.5 49.39

0.0

897,529.8
-43,631.904 -10.40 207,237.5 49.39
0.0

99,092.9
125,912.659

7,594,113.9
422,839.725 10.77 551,692.9 14.05
7,534,363.9
473,355.914 12.40 625,869.8 16.39
0.0

106,254.4
-50,126.541 -33.81 -72,077.1 -48.61
99,526.2
10,886.319 14.61 44,460.2 59.66
2,528.5
2,167.229 31.59 -1,668.4 -24.32
95,516.4
7,648.456 16.83 9,116.7 20.06
-244,075.6
-21,091.652 12.70 -54,008.3 32.51

10,869.3
-22,496.851 -55.73 -15,818.4 -39.18
143,069.7
-21,191.946 -24.65 32,559.3 37.88
515.4
-837.175 -49.59 -1,677.1 -99.34
6,750.0
 109,583.3
25,839.539 170.47 13,360.1 88.14
10,493,542.8
1,151,201.205 24.58 914,611.8 19.53
6,801,625.2
1,147,979.877 25.95 879,281.6 19.88
705,904.5
485,310.097 73.21 242,502.3 36.58
535,937.1
127,491.457 44.00 72,286.9 24.95
150,313.8
19,504.482 11.48 -22,992.5 -13.53
19,653.6
338,314.158 166.42 193,208.0 95.04
0.0

5,987,064.1
635,300.181 17.09 586,600.7 15.78
1,178,920.8
-161,966.408 -16.68 -249,920.3 -25.74
1,679,595.2
68,013.334 3.90 -189,277.0 -10.85
3,128,548.1
729,253.254 72.75 1,025,798.1 102.33
0.0

36,350.1
1,814.429 6.60 5,999.9 21.81
72,306.5
25,555.171 171.74 44,178.6 296.89

2,716,410.6
-45,519.772 -100.00 -45,519.8 -100.00
293,247.0
0.0 0.00
240,096.0
-45,235.313 -100.00 -45,235.3 -100.00
381,221.1

1,801,846.5
-284.460 -100.00 -284.5 -100.00

221,972.5

495,931.5
39,661.945 0 66,539.8 0.00
102,869.3
-17,742.285 -28.54 -15,053.8 -24.21
154,733.8
26,821.440 17.47 29,363.9 19.12
0.0

0.0

0.0

1,365,380.4
172,582.900 22.33 198,780.9 25.72
805,790.5
0.000 0 30,000.0 11.11
0.0

0.0

0.0

0.0

263,459.5
27,469.402 14.38 53,356.8 27.93
236,780.1
155,659.942 120.94 202,611.7 157.42
59,350.3
-10,546.444 -5.76 -87,187.6 -47.61
6,642,907.1
-799,706.538 -15.59 -497,181.8 -9.70
11,380,477.6
4,426,181.974 124.61 2,299,869.6 64.75
 2012-2015 2012-2016
Razon Razon
Absoluta Relativa Absoluta Relativa

2,696,995.3135 49.42 6,401,772.9462 117.31

385,064.3019 39.80 2,029,990.7503 209.84
64,655.5500 27.59 677,552.6627 289.10
44,490.0061 102.79 55,122.9949 127.36
106,278.1512 110.45 705,715.5412 733.43
115.3727 1.34 2,934.3096 33.98
-86,227.9800 -100.00 -86,220.1829 -99.99

320,408.7519 43.71 1,352,438.0876 184.50

8,870.4321 10.47 3,896.1497 4.60
621,696.3843 395.01 1,622,579.1822 1030.94
0.0000 #DIV/0!
73,233.1155 180.86 61,749.6656 152.50
-383,391.1799 -85.12 -335,786.9098 -74.55
128,094.0186 30.53 477,893.3660 113.88

128,094.0186 30.53 477,893.3660 113.88

99,092.8785 #DIV/0!

2,039,534.6122 51.94 3,667,184.5221 93.39

2,141,008.5818 56.08 3,716,427.1030 97.34

-106,677.3755 -71.94 -42,025.8869 -28.34

18,723.5158 25.13 25,008.4128 33.56
-1,932.7171 -28.17 -4,331.7059 -63.14
27,909.5161 61.42 50,077.5667 110.21
-39,496.9090 23.78 -77,970.9677 46.94

-20,583.9284 -50.99 -29,500.0517 -73.08

33,352.1437 38.80 57,108.7400 66.44
-1,677.0854 -99.34 -1,172.8375 -69.47
6,750.0000 0.00 6,750.0000 #DIV/0!
 126,461.2509 834.30 94,425.5787 622.96
2,321,630.7826 49.56 5,809,262.2608 124.02
1,936,273.3357 43.78 2,378,609.5336 53.78
126,384.6528 19.06 42,961.6385 6.48
5,047.0230 1.74 246,182.9057 84.96
28,231.9343 16.62 -19,588.2114 -11.53
93,105.6955 45.80 -183,633.0558 -90.33

1,747,475.5277 47.00 2,269,377.6297 61.04

162,919.7518 16.78 207,900.0391 21.41
-291,072.8096 -16.69 -64,675.3748 -3.71
1,875,628.5854 187.11 2,126,152.9653 212.11

2,845.9190 10.35 8,844.1399 32.15

59,567.2362 400.31 57,426.1254 385.92

193,027.0139 424.05 2,670,890.7822 5867.54

293,247.0000 #DIV/0!
-45,235.3125 -100.00 194,860.6688 430.77
381,221.1000 #DIV/0!
238,262.3264 83759.61 1,801,562.0134 633327.68

221,972.4967 #DIV/0!
200,731.6897 0.00 495,931.5167 #DIV/0!
7,855.4972 12.63 40,693.1925 65.45
-16,256.7539 -10.59 1,164.7391 0.76

375,364.5310 48.57 592,510.6855 76.66

159,016.0000 58.89 535,790.5000 198.44

67,748.0924 35.46 72,423.6515 37.91

284,162.1572 220.79 108,075.5897 83.97
-135,561.7186 -74.03 -123,779.0558 -67.59
-2,276.9617 -0.04 1,514,692.0281 29.54
3,466,075.6873 97.58 7,828,359.0484 220.39