SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) Balance de Situación (Condensado) Al 31 de Julio del 2017 (Expresado en miles de Córdobas)

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 67,179,323.3 58,084,404.8 53,420,038.8 23,319,585.7 13,202,880.3 6,045,761.4 6,616,081.5 2,216,553.9 1,623,153.1 1,870,593.8 3,233,649.0 236,812,025.5 Disponibilidades 14,750,642.2 10,720,152.4 13,219,274.6 4,027,712.8 3,057,747.7 1,609,412.2 3,705,394.2 189,241.5 197,312.7 166,479.7 389,809.1 52,033,179.0 Moneda Nacional 5,366,178.7 3,556,552.3 2,807,631.6 688,292.0 695,298.7 239,106.7 1,030,859.8 162,652.2 75,586.8 34,527.8 78,828.0 14,735,514.6 Caja 1,725,969.4 1,117,094.4 1,524,170.5 170,066.6 120,597.8 158,686.8 26,001.7 13,769.1 21,622.5 21,940.6 54,913.2 4,954,832.7 Banco Central de Nicaragua 3,477,876.9 2,300,986.5 1,015,469.0 384,152.7 559,844.2 76,852.1 940,297.3 117,106.3 3,670.7 100.0 0.0 8,876,355.6 Depositos e Instituciones Financieras del Pais  51,184.0 1,172.4 20,825.0 28,724.7 2,565.3 2,177.7 0.0 31,776.7 50,293.6 12,364.7 23,914.7 224,999.0 Otras disponibilidades 111,148.5 137,299.1 247,167.0 105,348.0 12,291.4 1,390.0 64,560.8 0.0 0.0 122.5 0.0 679,327.3                                                                                                                                                Moneda Extranjera 9,384,463.4 7,163,600.1 10,411,643.0 3,339,420.8 2,362,449.0 1,370,305.5 2,674,534.4 26,589.3 121,725.8 131,951.9 310,981.1 37,297,664.4 Caja 1,052,203.4 598,480.1 2,104,398.7 234,331.8 159,214.2 185,706.1 15,763.7 7,589.8 11,694.7 13,537.1 17,178.6 4,400,098.1 Banco Central de Nicaragua 5,515,691.6 4,260,749.8 5,780,072.6 1,929,857.7 1,285,227.1 553,219.8 2,475,553.1 4,263.1 3,366.7 13,575.4 0.0 21,821,576.9 Depositos e Instituciones Financieras del Pais  1\ 0.0 0.0 0.0 318,119.5 0.0 201.7 143,178.5 14,736.4 106,664.4 104,839.3 293,802.5 981,542.3 Depositos en Instituciones Financieras del exterior  2,725,978.9 1,994,085.6 2,393,858.0 724,484.2 788,601.6 625,890.4 25,626.0 0.0 0.0 0.0 0.0 9,278,524.6 Otras disponibilidades 90,589.6 310,284.7 133,313.7 132,627.7 129,406.2 5,287.6 14,413.1 0.0 0.0 0.0 0.0 815,922.4                                                                                                                                                Inversiones en valores, neto 10,233,516.2 8,749,757.7 1,493,772.0 1,067,279.1 887,702.3 0.0 1,237,929.4 0.0 0.0 0.0 43.2 23,669,999.8 Inversiones al Valor Razonable con Cambios en Resultados  0.0 0.0 0.0 0.0 115,624.6 0.0 0.0 0.0 0.0 0.0 0.0 115,624.6 Inversiones Disponibles para la Venta 2,927,923.7 6,989,951.7 1,493,772.0 399,869.1 772,077.8 0.0 0.0 0.0 0.0 0.0 0.0 12,583,594.3 Inversiones Mantenidas Hasta el Vencimiento 7,305,592.5 1,759,805.9 0.0 667,410.0 0.0 0.0 1,237,929.4 0.0 0.0 0.0 43.2 10,970,781.0                                                                                                                                                Operaciones con Reportos y  Valores Derivados 0.0 0.0 0.0 0.0 446,847.7 70,159.8 156,739.6 29,658.2 0.0 0.0 0.0 703,405.3                                                                                                                                                Cartera de Creditos, neta 39,854,824.5 36,004,812.2 37,731,304.4 17,790,002.0 8,439,168.0 4,000,769.3 1,385,967.1 1,854,040.6 1,351,940.3 1,599,698.6 2,723,981.5 152,736,508.5 Créditos vigentes  38,844,778.5 35,159,985.2 37,790,267.7 17,484,181.7 8,277,587.5 3,944,748.1 1,383,283.5 1,836,558.4 1,313,492.5 1,530,135.2 2,656,697.5 150,221,715.7 Créditos prorrogados 285,066.5 87,876.4 14,750.5 1,913.4 0.0 0.0 0.0 0.0 3,239.5 0.0 0.0 392,846.4 Créditos reestructurados 756,444.2 685,919.6 151,826.0 264,682.3 140,668.3 89,369.6 5,065.9 22,526.1 20,150.3 388.5 400.3 2,137,441.0 Créditos vencidos 207,408.2 180,206.7 212,036.9 226,658.2 129,116.0 28,387.9 0.0 25,071.7 19,063.1 62,571.2 19,551.2 1,110,071.1 Créditos en cobro judicial 88,562.9 84,105.7 152,796.2 65,128.4 0.0 5,688.0 0.0 584.6 2,536.7 0.0 0.0 399,402.5 Intereses y Comisiones por Cobrar sobre Creditos 536,801.8 539,019.6 353,755.9 168,312.8 178,701.8 59,981.7 22,701.9 37,042.4 37,210.5 97,970.5 105,271.9 2,136,770.8 Provisiones por incobrabilidad de cartera de creditos  -864,237.7 -732,301.0 -944,128.9 -420,874.8 -286,905.6 -127,405.9 -25,084.1 -67,742.7 -43,752.3 -91,366.7 -57,939.3 -3,661,738.9                                                                                                                                                Otras cuentas por cobrar, neto 135,016.3 455,951.6 93,950.0 79,801.2 18,686.0 12,027.2 28,967.6 22,835.7 1,055.6 2,259.2 10,520.1 861,070.5 Bienes de uso, neto  1,164,417.6 565,959.8 678,504.8 162,885.1 143,163.9 223,317.8 21,316.3 45,960.1 46,228.9 48,700.8 47,168.2 3,147,623.5 Bienes recibidos en recuperacion de creditos, neto 119,268.4 210,800.8 7,540.7 27,393.4 573.5 14,036.9 7,850.1 5,674.6 1,134.2 1,788.6 141.6 396,202.9 Invesiones permanentes en acciones  201,926.6 929,818.9 68,790.6 23,637.5 6,750.0 6,750.0 0.0 0.0 0.0 0.0 0.0 1,237,673.5 Otros activos neto 719,711.6 447,151.4 126,901.7 140,874.6 202,241.0 109,288.2 71,917.2 69,143.2 25,481.4 51,666.8 61,985.3 2,026,362.5 Pasivo 60,498,517.9 51,752,478.9 46,036,864.5 21,206,594.1 11,673,062.4 5,485,299.6 6,017,504.6 1,809,643.0 1,314,114.8 1,584,505.1 2,732,418.9 210,111,003.8 Obligaciones con el Público 52,687,678.5 37,850,979.1 37,317,233.2 14,557,802.9 7,544,311.5 4,045,397.2 5,951,681.0 227,975.4 47,358.2 105,396.7 0.0 160,335,813.8 Moneda Nacional 16,326,424.4 9,545,304.3 7,351,936.1 2,035,220.2 729,472.8 421,549.5 1,756,312.8 0.0 0.0 0.0 0.0 38,166,220.0 Depositos a la Vista 8,460,244.8 5,537,570.0 4,553,076.1 403,424.1 519,856.5 180,565.0 1,727,961.3 0.0 0.0 0.0 0.0 21,382,697.9 Depositos de Ahorro 6,233,731.2 3,528,121.2 2,383,846.5 1,389,941.0 181,221.1 196,957.0 18,351.4 0.0 0.0 0.0 0.0 13,932,169.4 Depositos a Plazo 1,632,448.3 479,613.0 415,013.5 241,855.1 28,395.1 44,027.6 10,000.0 0.0 0.0 0.0 0.0 2,851,352.7 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 35,702,293.6 27,859,972.5 29,118,910.2 11,655,038.1 6,688,226.8 3,551,679.4 4,176,659.4 0.0 0.0 0.0 0.0 118,752,780.0 Depositos a la Vista 9,435,498.7 7,724,826.0 8,581,146.8 954,290.6 1,433,557.4 1,174,672.5 3,868,654.7 0.0 0.0 0.0 0.0 33,172,646.9 Depositos de Ahorro 15,477,485.6 11,606,641.2 12,394,030.7 5,795,987.7 1,806,256.8 1,081,924.6 8,458.7 0.0 0.0 0.0 0.0 48,170,785.3 Depositos a Plazo 10,789,309.3 8,528,505.3 8,143,732.6 4,904,759.8 3,448,412.5 1,295,082.2 299,546.1 0.0 0.0 0.0 0.0 37,409,347.8 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 432,691.8 275,381.0 676,299.0 723,765.3 58,613.3 51,483.4 8,856.2 225,608.5 46,519.3 105,013.4 0.0 2,604,231.3 Cargos financieros por pagar sobre obligaciones con el Público 226,268.7 170,321.2 170,088.0 143,779.3 67,998.7 20,684.9 9,852.6 2,366.8 839.0 383.3 0.0 812,582.5                                                                                                                                                Obligaciones con Instituciones financieras y por otros financiamientos 5,670,123.2 11,730,982.9 7,846,973.0 5,715,301.1 3,232,544.2 1,094,975.7 10,443.7 1,497,559.3 1,051,303.0 1,374,342.6 2,497,415.4 41,721,964.2 Por Depósitos de Instituciones Financieras 923,644.2 1,641,432.2 3,230,887.1 1,295,771.9 1,068,014.4 661,643.3 0.0 0.0 0.0 0.0 0.0 8,821,393.1 Por Préstamos con Instituciones Financieras y por Otros Financiamientos 4,673,037.3 9,973,126.5 4,527,249.1 4,352,126.2 2,120,879.8 404,151.2 8,487.8 1,466,495.6 1,031,371.5 1,355,666.3 2,461,843.6 32,374,435.0 Préstamos de la Financiera Nicaraguense de Inversiones 127,749.8 612,862.6 77,237.8 455,681.4 452,514.0 0.0 0.0 0.0 0.0 61,466.5 0.0 1,787,512.0 Préstamos del Banco Centroaméricano de Integración Económica 648,977.0 1,278,183.4 516,997.2 657,578.6 265,572.4 0.0 0.0 0.0 0.0 0.0 0.0 3,367,308.7 Préstamos de Otras Instituciones Financieras del Exterior 235,743.2 0.0 452,514.0 362,011.2 995,530.8 0.0 0.0 0.0 949,089.4 0.0 961,622.4 3,956,511.0 Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. 3,660,567.3 8,082,080.5 3,480,500.1 2,876,855.0 407,262.6 404,151.2 8,487.8 1,466,495.6 82,282.1 1,294,199.9 1,500,221.2 23,263,103.2 Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos 73,441.7 116,424.2 88,836.8 67,403.0 43,650.0 29,181.2 1,956.0 31,063.7 19,931.5 18,676.3 35,571.8 526,136.2                                                                                                                                                Obligaciones con el Banco Central de Nicaragua 451,026.1 285,433.7 0.0 91,494.9 188,928.5 15,520.9 0.0 0.0 0.0 0.0 0.0 1,032,404.2 Operaciones con Reportos y Valores Derivados 0.0 0.0 0.0 0.0 70,169.1 0.0 0.0 0.0 0.0 0.0 0.0 70,169.1 Otras cuentas por pagar  227,014.4 334,083.2 203,333.1 156,951.8 148,008.0 36,811.6 17,544.3 12,698.9 57,384.2 10,534.4 30,994.3 1,235,358.0 Otros pasivos y provisiones 552,113.7 674,175.1 669,325.1 200,509.3 186,426.6 103,282.9 37,835.6 71,409.4 63,927.1 19,114.4 52,928.2 2,631,047.4 Obligaciones subordinadas  910,562.0 876,824.9 0.0 484,534.1 302,674.5 189,311.3 0.0 0.0 94,142.3 61,328.5 151,081.0 3,070,458.6 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 13,788.5 0.0 13,788.5 Patrimonio 6,680,805.4 6,331,925.9 7,383,174.4 2,112,991.6 1,529,817.9 560,461.7 598,576.9 406,910.9 309,038.3 286,088.6 501,230.0 26,701,021.7 Capital social pagado 3,213,500.0 3,607,666.0 2,790,361.1 1,073,560.0 879,702.5 809,089.3 524,600.0 266,365.0 185,210.0 259,500.1 458,953.5 14,068,507.5 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 50,034.8 8,196.3 20,103.3 424,335.2 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 -56.5 5,267.8 772.2 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 5,983.5 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 1,098,570.5 558,136.1 2,456,965.5 464,825.6 287,227.9 -338,845.0 31,413.1 69,831.0 47,753.7 21,183.4 -14,643.5 4,682,418.3 Resultados del Periodo 816,046.6 913,987.2 855,669.7 187,495.6 90,525.5 33,645.1 36,103.2 42,828.7 17,208.3 -7,650.4 36,816.8 3,022,676.4 Cuentas contingentes 22,566,204.0 9,964,956.0 9,101,130.3 1,542,733.8 7,208,958.5 64,475.2 50,516.7 0.0 241,495.0 0.0 0.0 50,740,469.6 Cuentas de orden 95,275,992.4 42,982,970.2 252,468,347.1 50,516,987.6 11,599,578.6 12,658,123.4 42,057,223.8 3,050,997.3 3,006,336.3 2,098,308.8 1,843,505.7 517,558,371.1 La informacion de este Estado Financiero no ha sido auditada TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2016 C$ 28.7326 X US$ 1.00 TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2017 C$ 30.1676 X US$ 1.00 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”