| 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 | 69,636,842.1 | 56,904,742.9 | 54,035,269.3 | 24,108,077.0 | 13,647,537.4 | 5,596,742.4 | 6,368,553.9 | 2,253,736.2 | 1,655,736.0 | 2,057,056.3 | 3,521,190.2 | 239,785,483.5 | | Disponibilidades | 16,462,505.7 | 8,278,089.0 | 13,349,817.5 | 4,091,587.9 | 2,628,011.8 | 998,942.1 | 3,180,424.9 | 181,525.9 | 158,045.7 | 231,934.8 | 452,955.3 | 50,013,840.7 | | Moneda Nacional | 5,810,360.0 | 2,650,661.5 | 2,855,811.1 | 745,430.0 | 319,181.9 | 322,205.6 | 1,057,449.8 | 139,248.3 | 62,381.2 | 50,730.5 | 97,772.6 | 14,111,232.3 | | Caja | 1,549,483.4 | 1,062,377.3 | 1,401,600.2 | 180,568.6 | 118,639.6 | 154,280.1 | 26,397.0 | 10,597.6 | 18,833.5 | 22,753.1 | 55,888.8 | 4,601,419.4 | | Banco Central de Nicaragua | 4,017,768.5 | 1,387,087.8 | 1,184,651.6 | 378,125.5 | 164,249.4 | 157,954.9 | 951,240.7 | 82,721.1 | 4,170.7 | 100.0 | 0.0 | 8,328,070.1 | | Depositos e Instituciones Financieras del Pais | 37,924.5 | 2,722.3 | 24,754.4 | 116,606.2 | 16,134.9 | 3,207.6 | 0.0 | 45,929.6 | 39,376.9 | 27,742.6 | 41,883.8 | 356,282.7 | | Otras disponibilidades | 205,183.6 | 198,474.1 | 244,804.8 | 70,129.7 | 20,158.0 | 6,763.0 | 79,812.0 | 0.0 | 0.0 | 134.8 | 0.0 | 825,460.1 | | | | | | | | | | | | | | | | Moneda Extranjera | 10,652,145.7 | 5,627,427.5 | 10,494,006.4 | 3,346,157.9 | 2,308,829.9 | 676,736.5 | 2,122,975.1 | 42,277.7 | 95,664.5 | 181,204.3 | 355,182.7 | 35,902,608.3 | | Caja | 1,213,307.8 | 533,175.4 | 1,661,941.9 | 198,797.1 | 209,762.6 | 126,439.6 | 20,596.4 | 8,397.0 | 10,650.3 | 12,775.5 | 19,042.9 | 4,014,886.5 | | Banco Central de Nicaragua | 5,410,367.3 | 3,973,305.0 | 5,024,147.2 | 2,076,085.0 | 1,192,016.7 | 532,159.8 | 1,929,112.0 | 17,772.5 | 10,906.7 | 24,331.7 | 0.0 | 20,190,204.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 259,970.2 | 0.0 | 924.8 | 145,111.7 | 16,108.1 | 74,107.5 | 144,097.2 | 336,139.8 | 976,459.4 | | Depositos en Instituciones Financieras del exterior | 3,632,656.5 | 736,755.8 | 3,697,877.1 | 715,165.3 | 766,500.7 | 10,194.5 | 17,154.9 | 0.0 | 0.0 | 0.0 | 0.0 | 9,576,304.8 | | Otras disponibilidades | 395,814.1 | 384,191.2 | 110,040.2 | 96,140.3 | 140,549.9 | 7,017.7 | 11,000.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,144,753.6 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,636,285.2 | 9,605,950.9 | 1,362,224.9 | 1,228,504.8 | 1,387,576.6 | 0.0 | 913,620.6 | 0.0 | 0.0 | 0.0 | 43.9 | 24,134,206.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 365,685.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 365,685.2 | | Inversiones Disponibles para la Venta | 1,996,507.6 | 7,212,881.6 | 1,362,224.9 | 408,693.0 | 1,021,891.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,002,198.6 | | Inversiones Mantenidas Hasta el Vencimiento | 7,639,777.6 | 2,393,069.2 | 0.0 | 819,811.8 | 0.0 | 0.0 | 913,620.6 | 0.0 | 0.0 | 0.0 | 43.9 | 11,766,323.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 391,991.6 | 0.0 | 0.0 | 0.0 | 470,919.6 | 0.0 | 647,766.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,510,677.5 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 40,711,172.7 | 36,524,684.1 | 38,318,487.7 | 18,340,699.4 | 8,768,383.2 | 4,239,685.5 | 1,497,680.5 | 1,927,238.7 | 1,423,773.9 | 1,722,444.9 | 2,945,143.5 | 156,419,393.9 | | Créditos vigentes | 39,544,973.6 | 35,477,292.3 | 38,348,642.9 | 18,050,971.8 | 8,607,907.3 | 4,172,343.4 | 1,493,391.8 | 1,907,430.4 | 1,378,231.2 | 1,628,229.1 | 2,853,694.6 | 153,463,108.5 | | Créditos prorrogados | 354,206.9 | 91,405.6 | 311.0 | 1,221.2 | 0.0 | 0.0 | 0.0 | 0.0 | 2,913.3 | 0.0 | 0.0 | 450,058.0 | | Créditos reestructurados | 854,481.9 | 909,691.0 | 155,937.6 | 269,737.1 | 135,207.7 | 96,134.3 | 5,184.4 | 25,767.3 | 21,045.3 | 261.2 | 674.2 | 2,474,122.1 | | Créditos vencidos | 215,298.9 | 240,772.5 | 312,364.9 | 210,184.5 | 147,960.3 | 32,554.1 | 0.0 | 26,667.8 | 16,482.0 | 71,330.1 | 29,537.4 | 1,303,152.5 | | Créditos en cobro judicial | 83,573.9 | 90,965.0 | 144,651.4 | 66,649.4 | 0.0 | 5,149.9 | 0.0 | 437.8 | 8,056.2 | 0.0 | 0.0 | 399,483.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 556,831.3 | 484,675.1 | 340,005.3 | 169,176.8 | 183,314.9 | 67,458.5 | 24,317.1 | 37,220.8 | 42,537.6 | 122,255.3 | 133,472.0 | 2,161,264.6 | | Provisiones por incobrabilidad de cartera de creditos | -898,193.8 | -770,117.5 | -983,425.4 | -427,241.4 | -306,007.0 | -133,954.7 | -25,212.8 | -70,285.4 | -45,491.8 | -99,630.8 | -72,234.8 | -3,831,795.3 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 150,038.3 | 384,386.5 | 96,522.1 | 72,013.9 | 16,538.0 | 15,193.6 | 29,937.2 | 21,880.0 | 1,129.6 | 2,951.9 | 12,947.5 | 803,538.6 | | Bienes de uso, neto | 1,207,356.1 | 575,753.2 | 682,008.9 | 164,091.7 | 138,013.3 | 220,327.0 | 31,966.3 | 48,183.3 | 45,639.4 | 48,264.5 | 48,870.6 | 3,210,474.4 | | Bienes recibidos en recuperacion de creditos, neto | 118,824.0 | 203,304.7 | 6,019.6 | 26,536.4 | 573.5 | 13,110.7 | 7,883.7 | 5,658.9 | 2,035.4 | 1,788.6 | 142.8 | 385,878.2 | | Invesiones permanentes en acciones | 214,697.0 | 973,908.0 | 69,253.1 | 25,287.3 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,296,645.4 | | Otros activos neto | 743,971.5 | 358,666.6 | 150,935.5 | 159,355.7 | 230,771.4 | 102,733.5 | 59,274.4 | 69,249.3 | 25,112.0 | 49,671.5 | 61,086.7 | 2,010,828.0 | | Pasivo | 62,706,659.6 | 50,350,086.0 | 46,418,132.4 | 21,936,178.3 | 12,101,707.2 | 5,030,395.7 | 5,761,990.8 | 1,832,343.0 | 1,343,097.9 | 1,766,565.5 | 3,004,707.2 | 212,251,863.5 | | Obligaciones con el Público | 54,361,429.6 | 37,292,886.5 | 37,233,601.2 | 14,608,904.9 | 7,626,680.2 | 3,648,587.6 | 5,695,593.0 | 243,530.9 | 98,358.7 | 152,455.2 | 0.0 | 160,962,027.7 | | Moneda Nacional | 15,780,223.4 | 9,111,771.8 | 7,512,075.9 | 2,045,785.4 | 714,557.1 | 459,123.2 | 1,781,039.3 | 0.0 | 0.0 | 0.0 | 0.0 | 37,404,576.0 | | Depositos a la Vista | 8,124,706.1 | 5,099,127.6 | 4,481,996.7 | 419,739.0 | 518,193.4 | 202,069.7 | 1,747,713.1 | 0.0 | 0.0 | 0.0 | 0.0 | 20,593,545.6 | | Depositos de Ahorro | 5,937,603.9 | 3,499,988.7 | 2,652,285.8 | 1,391,946.2 | 168,492.1 | 215,539.3 | 21,801.2 | 0.0 | 0.0 | 0.0 | 0.0 | 13,887,657.3 | | Depositos a Plazo | 1,717,913.4 | 512,655.4 | 377,793.3 | 234,100.2 | 27,871.5 | 41,514.2 | 11,525.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,923,373.0 | | 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 | 37,925,957.8 | 27,766,556.9 | 28,905,203.3 | 11,549,489.7 | 6,812,583.3 | 3,103,761.2 | 3,885,801.4 | 0.0 | 0.0 | 0.0 | 0.0 | 119,949,353.5 | | Depositos a la Vista | 11,513,823.3 | 7,335,466.5 | 8,162,354.3 | 991,217.6 | 1,445,569.6 | 630,859.3 | 3,566,560.5 | 0.0 | 0.0 | 0.0 | 0.0 | 33,645,851.0 | | Depositos de Ahorro | 15,460,391.7 | 11,709,320.2 | 12,244,553.5 | 5,997,770.2 | 1,790,509.6 | 1,103,412.2 | 12,293.9 | 0.0 | 0.0 | 0.0 | 0.0 | 48,318,251.4 | | Depositos a Plazo | 10,951,742.8 | 8,721,770.2 | 8,498,295.5 | 4,560,501.9 | 3,576,504.1 | 1,369,489.7 | 306,947.0 | 0.0 | 0.0 | 0.0 | 0.0 | 37,985,251.1 | | 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 | 402,125.7 | 231,134.5 | 636,261.1 | 888,008.4 | 32,318.4 | 66,397.1 | 16,306.1 | 242,193.5 | 97,571.8 | 152,073.0 | 0.0 | 2,764,389.5 | | Cargos financieros por pagar sobre obligaciones con el Público | 253,122.6 | 183,423.3 | 180,060.9 | 125,621.5 | 67,221.6 | 19,306.1 | 12,446.2 | 1,337.4 | 786.9 | 382.2 | 0.0 | 843,708.7 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 5,913,538.7 | 10,931,937.4 | 8,290,850.5 | 6,292,617.6 | 3,341,432.7 | 1,044,587.8 | 10,643.3 | 1,501,534.9 | 1,023,783.7 | 1,504,855.3 | 2,697,549.7 | 42,553,331.7 | | Por Depósitos de Instituciones Financieras | 1,035,699.4 | 1,407,117.7 | 3,359,372.7 | 1,413,024.1 | 1,041,455.3 | 617,618.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,874,287.2 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 4,782,073.3 | 9,424,538.3 | 4,819,789.7 | 4,779,304.9 | 2,256,101.3 | 404,054.7 | 8,557.3 | 1,470,211.6 | 1,009,591.4 | 1,476,088.7 | 2,652,308.4 | 33,082,619.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 126,808.4 | 641,157.4 | 73,326.5 | 405,222.7 | 456,219.0 | 30,910.6 | 0.0 | 0.0 | 0.0 | 61,926.3 | 0.0 | 1,795,570.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 562,568.0 | 1,262,135.4 | 515,907.7 | 956,943.4 | 355,188.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,652,743.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 237,673.4 | 0.0 | 456,219.0 | 364,975.2 | 1,003,681.8 | 0.0 | 0.0 | 0.0 | 919,602.2 | 0.0 | 944,783.9 | 3,926,935.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 3,855,023.5 | 7,521,245.5 | 3,774,336.6 | 3,052,163.7 | 441,011.7 | 373,144.0 | 8,557.3 | 1,470,211.6 | 89,989.2 | 1,414,162.5 | 1,707,524.4 | 23,707,370.0 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 95,766.0 | 100,281.4 | 111,688.1 | 100,288.7 | 43,876.1 | 22,915.1 | 2,086.1 | 31,323.3 | 14,192.3 | 28,766.5 | 45,241.4 | 596,425.0 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 407,283.4 | 286,026.7 | 0.0 | 147,476.3 | 185,730.9 | 15,673.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,042,190.7 | | Operaciones con Reportos y Valores Derivados | 300,504.5 | 0.0 | 0.0 | 0.0 | 252,213.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 552,718.4 | | Otras cuentas por pagar | 200,133.8 | 249,658.5 | 173,963.8 | 163,168.4 | 167,803.5 | 32,341.0 | 21,031.0 | 12,730.5 | 64,540.6 | 11,148.3 | 29,796.9 | 1,126,316.2 | | Otros pasivos y provisiones | 591,233.1 | 696,773.1 | 719,717.0 | 239,967.2 | 212,499.0 | 104,102.6 | 34,723.5 | 74,546.7 | 63,033.7 | 20,651.5 | 61,323.9 | 2,818,571.4 | | Obligaciones subordinadas | 932,536.5 | 892,803.9 | 0.0 | 484,043.8 | 315,346.9 | 185,103.3 | 0.0 | 0.0 | 93,381.2 | 62,969.5 | 216,036.6 | 3,182,221.7 | | 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 | 14,485.7 | 0.0 | 14,485.7 | | Patrimonio | 6,930,182.5 | 6,554,656.9 | 7,617,136.9 | 2,171,898.7 | 1,545,830.2 | 566,346.7 | 606,563.0 | 421,393.2 | 312,638.2 | 290,490.8 | 516,483.0 | 27,533,620.0 | | 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 | 235,240.0 | 259,500.1 | 458,953.5 | 14,118,537.5 | | 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 | 4.8 | 8,196.3 | 20,103.3 | 374,305.2 | | 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 | -30.7 | -16,127.4 | 793.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -15,365.0 | | 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 | 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 | 1,065,397.8 | 1,158,113.4 | 1,089,611.3 | 246,402.7 | 106,537.8 | 39,530.1 | 43,356.0 | 57,311.0 | 20,808.1 | -3,248.2 | 52,069.7 | 3,875,889.7 | | Cuentas contingentes | 23,390,131.6 | 9,842,841.5 | 9,262,428.7 | 1,577,915.2 | 7,237,317.6 | 62,824.4 | 55,809.5 | 0.0 | 238,149.4 | 0.0 | 0.0 | 51,667,417.9 | | Cuentas de orden | 97,768,289.7 | 42,834,250.4 | 260,788,156.9 | 56,407,881.2 | 11,935,456.8 | 13,099,421.6 | 43,050,101.1 | 3,130,548.5 | 3,213,261.5 | 2,277,850.6 | 2,110,243.3 | 536,615,461.7 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2016 C$ 28.9672 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2017 C$ 30.4146 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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