| 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 | 68,413,721.3 | 58,279,488.3 | 53,812,857.1 | 23,563,838.5 | 13,351,086.9 | 5,416,562.8 | 6,429,840.3 | 2,198,357.6 | 1,608,324.5 | 1,917,608.9 | 3,416,037.8 | 238,407,724.1 | | Disponibilidades | 14,304,939.1 | 10,484,085.1 | 13,279,785.2 | 3,864,621.6 | 2,492,703.8 | 931,521.2 | 3,422,124.4 | 157,719.0 | 147,654.6 | 149,930.8 | 442,390.0 | 49,677,474.8 | | Moneda Nacional | 5,030,562.4 | 3,328,705.2 | 2,801,443.2 | 674,598.3 | 306,313.0 | 298,163.6 | 1,212,414.8 | 115,224.0 | 57,643.8 | 44,260.1 | 106,983.5 | 13,976,311.9 | | Caja | 1,784,356.6 | 1,106,551.9 | 1,491,911.1 | 195,305.1 | 125,774.4 | 192,085.3 | 32,755.0 | 10,842.2 | 22,771.4 | 25,088.5 | 48,794.0 | 5,036,235.4 | | Banco Central de Nicaragua | 3,080,090.5 | 2,118,678.1 | 1,132,002.6 | 336,487.9 | 152,676.4 | 101,771.7 | 1,179,492.6 | 85,721.2 | 3,670.7 | 100.0 | 0.0 | 8,190,691.8 | | Depositos e Instituciones Financieras del Pais | 25,740.3 | 1,639.7 | 22,985.9 | 60,005.5 | 18,879.6 | 2,906.8 | 0.0 | 18,660.6 | 31,201.6 | 18,816.3 | 58,189.5 | 259,025.9 | | Otras disponibilidades | 140,375.1 | 101,835.5 | 154,543.6 | 82,799.8 | 8,982.5 | 1,399.8 | 167.2 | 0.0 | 0.0 | 255.3 | 0.0 | 490,358.8 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,274,376.6 | 7,155,379.9 | 10,478,342.0 | 3,190,023.3 | 2,186,390.8 | 633,357.6 | 2,209,709.7 | 42,495.0 | 90,010.8 | 105,670.7 | 335,406.5 | 35,701,162.9 | | Caja | 1,111,749.8 | 528,502.1 | 1,911,637.8 | 149,401.2 | 158,124.5 | 134,307.3 | 21,327.9 | 10,256.1 | 13,472.6 | 10,131.1 | 18,382.8 | 4,067,293.2 | | Banco Central de Nicaragua | 5,540,749.2 | 4,204,055.1 | 5,264,269.5 | 1,989,483.7 | 1,344,462.3 | 430,482.0 | 2,015,026.7 | 16,641.2 | 10,287.5 | 18,175.7 | 0.0 | 20,833,633.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 289,195.0 | 0.0 | 149.0 | 144,157.8 | 15,597.8 | 66,250.8 | 77,363.8 | 317,023.7 | 909,737.9 | | Depositos en Instituciones Financieras del exterior | 2,522,249.2 | 1,875,579.7 | 3,245,336.6 | 698,773.1 | 554,211.7 | 63,054.8 | 26,515.9 | 0.0 | 0.0 | 0.0 | 0.0 | 8,985,721.1 | | Otras disponibilidades | 99,628.3 | 547,243.0 | 57,098.0 | 63,170.2 | 129,592.3 | 5,364.5 | 2,681.3 | 0.0 | 0.0 | 0.0 | 0.0 | 904,777.7 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 11,550,288.9 | 9,108,890.7 | 1,504,109.1 | 1,216,513.2 | 1,280,318.7 | 0.0 | 1,243,084.1 | 0.0 | 0.0 | 0.0 | 43.5 | 25,903,248.3 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 196,818.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 196,818.8 | | Inversiones Disponibles para la Venta | 3,977,758.3 | 7,269,863.1 | 1,504,109.1 | 404,329.6 | 1,083,499.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14,239,560.1 | | Inversiones Mantenidas Hasta el Vencimiento | 7,572,530.6 | 1,839,027.6 | 0.0 | 812,183.6 | 0.0 | 0.0 | 1,243,084.1 | 0.0 | 0.0 | 0.0 | 43.5 | 11,466,869.4 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 40,070.4 | 446,399.5 | 0.0 | 150,926.5 | 0.0 | 0.0 | 0.0 | 0.0 | 637,396.4 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 40,174,036.9 | 36,199,625.4 | 38,026,161.1 | 18,018,262.6 | 8,765,659.9 | 4,121,211.5 | 1,398,644.2 | 1,902,898.5 | 1,386,095.7 | 1,663,237.2 | 2,853,535.7 | 154,509,368.7 | | Créditos vigentes | 39,139,321.6 | 35,219,678.8 | 38,025,803.5 | 17,699,633.7 | 8,606,843.4 | 4,065,290.7 | 1,395,827.2 | 1,882,464.1 | 1,344,250.1 | 1,582,673.4 | 2,774,851.6 | 151,736,638.1 | | Créditos prorrogados | 305,494.2 | 57,413.7 | 3,331.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,081.3 | 0.0 | 0.0 | 368,320.5 | | Créditos reestructurados | 771,520.0 | 862,954.9 | 151,636.5 | 269,030.7 | 141,705.9 | 90,149.8 | 4,996.8 | 24,533.2 | 20,491.8 | 387.4 | 520.9 | 2,337,927.7 | | Créditos vencidos | 208,525.2 | 204,095.6 | 278,959.2 | 243,580.5 | 128,665.4 | 26,702.3 | 0.0 | 26,491.7 | 17,492.1 | 66,415.1 | 24,314.5 | 1,225,241.7 | | Créditos en cobro judicial | 86,835.6 | 88,909.5 | 148,899.7 | 68,675.5 | 0.0 | 4,648.5 | 0.0 | 437.3 | 6,418.0 | 490.7 | 0.0 | 405,314.8 | | Intereses y Comisiones por Cobrar sobre Creditos | 526,765.0 | 513,193.9 | 366,424.6 | 167,215.1 | 183,178.1 | 64,599.5 | 22,824.6 | 37,714.9 | 39,004.0 | 109,667.7 | 118,901.8 | 2,149,489.1 | | Provisiones por incobrabilidad de cartera de creditos | -864,424.7 | -746,621.0 | -948,893.7 | -429,872.9 | -294,732.8 | -130,179.4 | -25,004.4 | -68,742.7 | -43,641.5 | -96,397.1 | -65,053.0 | -3,713,563.3 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 123,200.2 | 380,352.7 | 88,091.2 | 70,857.5 | 13,905.4 | 13,288.0 | 32,433.9 | 20,091.3 | 1,254.7 | 2,533.0 | 8,541.7 | 754,549.6 | | Bienes de uso, neto | 1,214,470.3 | 573,944.0 | 680,044.5 | 160,600.6 | 140,653.4 | 221,547.3 | 33,503.3 | 45,318.7 | 46,295.3 | 47,845.5 | 48,919.6 | 3,213,142.5 | | Bienes recibidos en recuperacion de creditos, neto | 116,457.2 | 209,319.9 | 6,952.1 | 27,120.9 | 573.5 | 13,205.6 | 7,836.3 | 5,518.2 | 2,092.7 | 1,788.6 | 142.2 | 391,007.3 | | Invesiones permanentes en acciones | 201,926.6 | 952,309.0 | 69,118.3 | 24,592.3 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,261,446.2 | | Otros activos neto | 728,402.0 | 370,961.4 | 158,595.6 | 141,199.4 | 204,122.6 | 109,039.3 | 141,287.6 | 66,811.9 | 24,931.6 | 52,273.8 | 62,465.1 | 2,060,090.3 | | Pasivo | 61,598,586.6 | 51,845,336.1 | 46,296,197.6 | 21,424,691.9 | 11,807,300.2 | 4,853,246.4 | 5,823,244.2 | 1,783,942.3 | 1,297,035.9 | 1,630,464.4 | 2,908,150.5 | 211,268,196.1 | | Obligaciones con el Público | 53,807,669.1 | 37,863,428.1 | 37,577,595.4 | 14,293,557.9 | 7,527,813.0 | 3,512,854.4 | 5,744,455.5 | 228,827.7 | 93,197.2 | 149,667.2 | 0.0 | 160,799,065.5 | | Moneda Nacional | 16,863,307.6 | 9,193,249.1 | 7,461,544.1 | 1,968,896.2 | 687,365.4 | 429,722.0 | 1,751,690.4 | 0.0 | 0.0 | 0.0 | 0.0 | 38,355,774.9 | | Depositos a la Vista | 9,204,428.7 | 5,183,187.8 | 4,575,942.4 | 390,761.1 | 476,218.7 | 175,742.8 | 1,708,353.7 | 0.0 | 0.0 | 0.0 | 0.0 | 21,714,635.0 | | Depositos de Ahorro | 5,961,288.4 | 3,528,440.0 | 2,502,787.2 | 1,335,374.5 | 183,524.0 | 209,906.7 | 33,295.3 | 0.0 | 0.0 | 0.0 | 0.0 | 13,754,615.9 | | Depositos a Plazo | 1,697,590.6 | 481,621.4 | 382,814.6 | 242,760.7 | 27,622.7 | 44,072.5 | 10,041.5 | 0.0 | 0.0 | 0.0 | 0.0 | 2,886,524.0 | | 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 | | | | | | | | | | | | | | | | Moneda Extranjera | 36,327,141.1 | 28,159,892.6 | 29,325,973.2 | 11,426,541.6 | 6,742,486.7 | 3,019,015.4 | 3,877,096.1 | 0.0 | 0.0 | 0.0 | 0.0 | 118,878,146.6 | | Depositos a la Vista | 9,932,671.5 | 7,832,726.5 | 8,645,853.7 | 909,607.6 | 1,422,966.4 | 603,668.6 | 3,558,774.7 | 0.0 | 0.0 | 0.0 | 0.0 | 32,906,269.0 | | Depositos de Ahorro | 15,574,442.3 | 11,658,077.5 | 12,344,308.5 | 5,991,406.6 | 1,817,089.0 | 1,083,909.8 | 13,396.2 | 0.0 | 0.0 | 0.0 | 0.0 | 48,482,630.0 | | Depositos a Plazo | 10,820,027.3 | 8,669,088.6 | 8,335,811.0 | 4,525,527.4 | 3,502,431.2 | 1,331,436.9 | 304,925.2 | 0.0 | 0.0 | 0.0 | 0.0 | 37,489,247.6 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 381,672.4 | 330,924.9 | 618,742.1 | 725,089.5 | 36,427.5 | 43,614.0 | 104,507.5 | 226,271.3 | 92,999.4 | 148,919.9 | 0.0 | 2,709,168.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 235,548.0 | 179,361.5 | 171,335.9 | 173,030.5 | 61,533.5 | 20,503.0 | 11,161.6 | 2,556.4 | 197.8 | 747.3 | 0.0 | 855,975.5 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,676,136.8 | 11,848,385.3 | 7,820,133.7 | 6,135,368.9 | 3,231,525.8 | 1,004,564.1 | 10,543.9 | 1,468,182.8 | 984,548.8 | 1,374,160.6 | 2,636,438.9 | 42,189,989.7 | | Por Depósitos de Instituciones Financieras | 916,821.2 | 1,652,859.2 | 3,192,312.5 | 1,389,448.8 | 1,067,891.5 | 571,587.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,790,920.5 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 4,677,757.3 | 10,065,098.8 | 4,536,137.5 | 4,698,276.1 | 2,125,902.2 | 404,421.1 | 8,523.0 | 1,444,771.9 | 968,979.6 | 1,349,088.6 | 2,598,391.1 | 32,877,347.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 127,293.0 | 613,868.3 | 74,351.4 | 441,537.0 | 454,393.5 | 0.0 | 0.0 | 0.0 | 0.0 | 61,692.9 | 0.0 | 1,773,136.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 618,076.9 | 1,273,402.3 | 515,736.6 | 790,943.8 | 262,888.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,461,048.5 | | Préstamos de Otras Instituciones Financieras del Exterior | 236,722.4 | 0.0 | 454,393.5 | 363,514.8 | 999,665.7 | 0.0 | 0.0 | 0.0 | 892,225.0 | 0.0 | 950,470.0 | 3,896,991.4 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,695,665.1 | 8,177,828.2 | 3,491,656.0 | 3,102,280.5 | 408,954.2 | 404,421.1 | 8,523.0 | 1,444,771.9 | 76,754.6 | 1,287,395.7 | 1,647,921.1 | 23,746,171.4 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 81,558.3 | 130,427.2 | 91,683.7 | 47,644.0 | 37,732.2 | 28,555.8 | 2,020.9 | 23,410.9 | 15,569.2 | 25,072.0 | 38,047.8 | 521,721.9 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 403,094.6 | 284,263.7 | 0.0 | 147,485.6 | 184,827.5 | 15,599.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,035,270.6 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 191,017.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 191,017.5 | | Otras cuentas por pagar | 219,858.3 | 271,427.0 | 209,923.4 | 156,975.5 | 160,078.4 | 34,655.1 | 37,552.8 | 12,043.8 | 62,628.1 | 9,613.2 | 31,384.7 | 1,206,140.2 | | Otros pasivos y provisiones | 570,134.7 | 692,910.9 | 688,545.0 | 201,460.6 | 202,931.6 | 102,513.5 | 30,691.9 | 74,888.1 | 64,439.5 | 20,880.7 | 56,987.7 | 2,706,384.1 | | Obligaciones subordinadas | 921,693.1 | 884,921.1 | 0.0 | 489,843.5 | 309,106.3 | 183,060.0 | 0.0 | 0.0 | 92,222.3 | 62,159.7 | 183,339.4 | 3,126,345.4 | | 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 | 13,983.0 | 0.0 | 13,983.0 | | Patrimonio | 6,815,134.7 | 6,434,152.2 | 7,516,659.5 | 2,139,146.6 | 1,543,786.8 | 563,316.4 | 606,596.2 | 414,415.3 | 311,288.6 | 287,144.5 | 507,887.3 | 27,139,528.0 | | 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 | -215.7 | -17,634.7 | 746.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -17,104.2 | | 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 | 32,146.5 | 69,831.0 | 47,753.7 | 21,183.4 | -14,643.5 | 4,683,151.7 | | Resultados del Periodo | 950,535.0 | 1,039,116.0 | 989,180.9 | 213,650.5 | 104,494.4 | 36,499.8 | 43,389.1 | 50,333.1 | 19,458.6 | -6,594.5 | 43,474.0 | 3,483,537.0 | | Cuentas contingentes | 22,901,723.4 | 9,711,510.4 | 9,185,205.7 | 1,568,058.9 | 7,271,258.6 | 62,197.9 | 51,628.0 | 0.0 | 231,786.8 | 0.0 | 0.0 | 50,983,369.7 | | Cuentas de orden | 97,190,909.1 | 42,875,144.9 | 258,578,212.7 | 54,841,083.4 | 11,480,713.9 | 12,852,611.8 | 42,522,590.5 | 3,154,138.4 | 3,086,895.7 | 2,160,474.3 | 1,973,397.4 | 530,716,172.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2016 C$ 28.8516 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2017 C$ 30.2929 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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