| 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 | 69,217,781.9 | 57,546,819.2 | 54,576,983.4 | 24,220,581.4 | 13,930,616.5 | 5,762,793.6 | 8,503,893.1 | 2,359,871.0 | 1,699,308.3 | 2,069,540.2 | 3,663,286.8 | 243,551,475.3 | | Disponibilidades | 14,702,089.6 | 9,459,226.4 | 13,408,760.6 | 4,050,489.3 | 1,962,520.7 | 1,085,916.7 | 5,226,928.2 | 158,053.2 | 159,631.2 | 173,918.9 | 468,898.9 | 50,856,433.9 | | Moneda Nacional | 6,269,596.6 | 3,062,320.0 | 3,002,986.6 | 747,767.6 | 333,900.7 | 359,362.7 | 1,176,560.0 | 60,309.4 | 49,460.4 | 48,215.1 | 122,445.4 | 15,232,924.6 | | Caja | 1,536,522.5 | 1,089,652.2 | 1,469,655.4 | 179,789.8 | 140,805.9 | 217,836.4 | 23,210.7 | 11,051.2 | 24,732.2 | 29,469.6 | 56,263.0 | 4,778,988.7 | | Banco Central de Nicaragua | 4,490,394.1 | 1,805,257.8 | 1,315,274.0 | 439,231.6 | 165,806.5 | 134,697.2 | 996,971.6 | 20,120.9 | 4,212.7 | 100.0 | 0.0 | 9,372,066.4 | | Depositos e Instituciones Financieras del Pais | 21,573.8 | 4,623.4 | 27,031.4 | 61,113.3 | 7,770.1 | 1,978.3 | 0.0 | 29,137.2 | 20,515.5 | 17,615.1 | 66,182.4 | 257,540.4 | | Otras disponibilidades | 221,106.3 | 162,786.6 | 191,025.9 | 67,633.0 | 19,518.2 | 4,850.9 | 156,377.7 | 0.0 | 0.0 | 1,030.5 | 0.0 | 824,329.0 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,432,493.0 | 6,396,906.4 | 10,405,774.0 | 3,302,721.7 | 1,628,620.0 | 726,554.0 | 4,050,368.2 | 97,743.9 | 110,170.8 | 125,703.8 | 346,453.5 | 35,623,509.3 | | Caja | 1,129,033.2 | 489,225.1 | 1,990,965.3 | 330,545.9 | 229,576.1 | 153,056.9 | 19,005.7 | 9,886.1 | 11,340.7 | 12,377.6 | 16,606.8 | 4,391,619.4 | | Banco Central de Nicaragua | 5,503,206.7 | 3,968,625.2 | 4,801,560.9 | 1,987,289.9 | 974,106.1 | 533,732.7 | 3,852,203.2 | 16,785.3 | 10,952.0 | 24,432.7 | 0.0 | 21,672,894.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 202,896.6 | 0.0 | 69.4 | 167,512.3 | 71,072.4 | 87,878.1 | 88,893.5 | 329,846.8 | 948,169.0 | | Depositos en Instituciones Financieras del exterior | 1,658,926.0 | 1,535,437.0 | 3,428,406.9 | 688,913.4 | 281,285.6 | 31,954.1 | 11,059.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,635,982.0 | | Otras disponibilidades | 141,327.1 | 403,619.1 | 184,840.8 | 93,076.0 | 143,652.3 | 7,740.9 | 588.0 | 0.0 | 0.0 | 0.0 | 0.0 | 974,844.2 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 10,265,064.7 | 8,596,748.3 | 1,219,503.2 | 1,092,503.4 | 1,262,675.6 | 0.0 | 1,283,805.4 | 306.1 | 0.0 | 0.0 | 44.2 | 23,720,650.9 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 322,824.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 322,824.4 | | Inversiones Disponibles para la Venta | 2,772,517.2 | 6,286,324.7 | 1,219,503.2 | 419,851.5 | 939,851.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,638,047.9 | | Inversiones Mantenidas Hasta el Vencimiento | 7,492,547.5 | 2,310,423.6 | 0.0 | 672,651.9 | 0.0 | 0.0 | 1,283,805.4 | 306.1 | 0.0 | 0.0 | 44.2 | 11,759,778.7 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 243,070.5 | 568,685.2 | 0.0 | 100,821.8 | 1,175,841.6 | 0.0 | 304,540.2 | 100,234.4 | 0.0 | 0.0 | 0.0 | 2,493,193.6 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 41,595,533.1 | 36,410,055.7 | 38,962,607.7 | 18,537,630.0 | 9,144,068.6 | 4,328,410.4 | 1,563,183.0 | 1,954,597.7 | 1,463,645.9 | 1,795,857.4 | 3,071,432.3 | 158,827,021.9 | | Créditos vigentes | 40,354,885.3 | 35,345,215.6 | 39,003,508.4 | 18,245,076.7 | 8,982,245.5 | 4,253,590.8 | 1,557,345.6 | 1,931,909.2 | 1,418,005.5 | 1,686,590.9 | 2,966,627.1 | 155,745,000.6 | | Créditos prorrogados | 350,167.0 | 97,797.5 | 312.3 | 4,116.8 | 0.0 | 0.0 | 0.0 | 0.0 | 2,528.8 | 0.0 | 0.0 | 454,922.3 | | Créditos reestructurados | 854,769.4 | 894,087.3 | 159,581.1 | 278,456.5 | 144,152.6 | 95,822.9 | 5,111.7 | 27,981.1 | 20,497.5 | 262.3 | 696.8 | 2,481,419.3 | | Créditos vencidos | 233,018.4 | 250,066.5 | 303,312.0 | 202,226.9 | 149,280.8 | 35,202.4 | 0.0 | 27,636.5 | 18,036.0 | 73,540.0 | 32,769.6 | 1,325,089.1 | | Créditos en cobro judicial | 102,402.3 | 97,960.0 | 127,796.0 | 62,113.2 | 1,362.1 | 5,203.4 | 0.0 | 311.7 | 7,588.4 | 0.0 | 0.0 | 404,737.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 604,184.6 | 514,289.3 | 356,976.1 | 170,245.9 | 185,616.9 | 73,789.6 | 26,495.4 | 38,762.9 | 45,099.3 | 137,389.7 | 149,975.9 | 2,302,825.6 | | Provisiones por incobrabilidad de cartera de creditos | -903,893.9 | -789,360.5 | -988,878.2 | -424,605.9 | -318,589.4 | -135,198.6 | -25,769.7 | -72,003.7 | -48,109.6 | -101,925.5 | -78,637.0 | -3,886,972.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 128,245.0 | 337,570.4 | 93,784.0 | 69,434.6 | 24,467.2 | 14,006.7 | 30,238.8 | 20,763.8 | 1,723.2 | 3,053.0 | 8,971.9 | 732,258.6 | | Bienes de uso, neto | 1,215,124.6 | 583,537.9 | 680,345.9 | 165,983.1 | 136,363.9 | 218,958.8 | 31,135.3 | 47,960.7 | 45,483.3 | 47,318.5 | 48,706.8 | 3,220,918.8 | | Bienes recibidos en recuperacion de creditos, neto | 119,246.2 | 199,808.2 | 7,712.4 | 27,106.1 | 573.5 | 13,110.7 | 7,088.2 | 6,662.4 | 2,658.1 | 1,832.9 | 143.3 | 385,942.0 | | Invesiones permanentes en acciones | 214,697.0 | 997,538.5 | 69,261.4 | 25,421.9 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,320,418.8 | | Otros activos neto | 734,711.2 | 393,648.6 | 135,008.2 | 151,191.2 | 217,355.5 | 95,640.3 | 56,974.0 | 71,292.6 | 26,166.6 | 47,559.4 | 65,089.3 | 1,994,636.7 | | Pasivo | 62,164,977.3 | 50,873,663.7 | 46,829,967.6 | 22,018,085.5 | 12,379,730.7 | 5,193,957.3 | 7,900,414.2 | 1,869,880.4 | 1,386,524.5 | 1,775,697.9 | 3,136,828.0 | 215,529,727.0 | | Obligaciones con el Público | 53,114,298.3 | 37,192,633.7 | 37,674,642.3 | 14,640,886.3 | 7,667,126.8 | 3,752,923.2 | 7,836,975.3 | 243,037.3 | 101,155.3 | 153,473.4 | 0.0 | 162,377,152.0 | | Moneda Nacional | 16,652,733.8 | 9,501,842.8 | 7,417,962.4 | 2,112,332.6 | 696,588.7 | 459,453.6 | 2,101,404.3 | 0.0 | 0.0 | 0.0 | 0.0 | 38,942,318.4 | | Depositos a la Vista | 8,806,315.9 | 5,349,559.9 | 4,489,086.4 | 424,271.7 | 500,559.8 | 204,230.1 | 1,963,467.4 | 0.0 | 0.0 | 0.0 | 0.0 | 21,737,491.2 | | Depositos de Ahorro | 6,477,554.8 | 3,632,319.8 | 2,563,518.0 | 1,452,433.2 | 167,333.4 | 213,990.6 | 126,364.2 | 0.0 | 0.0 | 0.0 | 0.0 | 14,633,513.9 | | Depositos a Plazo | 1,368,863.1 | 519,963.1 | 365,358.0 | 235,627.8 | 28,695.6 | 41,232.9 | 11,572.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,571,313.2 | | 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 | 35,820,476.3 | 27,219,746.3 | 29,506,970.3 | 11,545,385.7 | 6,867,312.8 | 3,229,067.6 | 5,715,632.7 | 0.0 | 0.0 | 0.0 | 0.0 | 119,904,591.7 | | Depositos a la Vista | 9,558,557.2 | 6,692,023.7 | 8,724,948.1 | 952,800.4 | 1,444,219.1 | 678,983.8 | 5,360,007.4 | 0.0 | 0.0 | 0.0 | 0.0 | 33,411,539.7 | | Depositos de Ahorro | 15,653,788.3 | 11,634,923.5 | 12,128,238.5 | 5,962,879.9 | 1,804,574.5 | 1,115,615.1 | 29,079.2 | 0.0 | 0.0 | 0.0 | 0.0 | 48,329,099.0 | | Depositos a Plazo | 10,608,130.8 | 8,892,799.2 | 8,653,783.8 | 4,629,705.4 | 3,618,519.2 | 1,434,468.6 | 326,546.1 | 0.0 | 0.0 | 0.0 | 0.0 | 38,163,953.1 | | 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 | 398,752.9 | 276,852.5 | 555,867.8 | 851,186.4 | 31,036.7 | 43,813.7 | 10,730.8 | 240,552.6 | 99,748.1 | 152,704.5 | 0.0 | 2,661,245.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 242,335.2 | 194,192.1 | 193,841.8 | 131,981.7 | 72,188.7 | 20,588.2 | 9,207.4 | 2,484.7 | 1,407.2 | 768.9 | 0.0 | 868,996.0 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 6,699,824.1 | 10,989,862.3 | 8,176,257.5 | 6,376,030.4 | 3,388,325.6 | 1,095,546.1 | 10,744.8 | 1,534,528.9 | 1,062,294.3 | 1,509,300.3 | 2,832,830.8 | 43,675,545.2 | | Por Depósitos de Instituciones Financieras | 1,260,833.4 | 1,396,362.8 | 3,248,546.8 | 1,512,967.1 | 1,084,898.2 | 662,864.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,166,472.8 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 5,337,490.7 | 9,488,145.5 | 4,843,325.1 | 4,768,734.7 | 2,257,646.2 | 404,951.5 | 8,592.8 | 1,500,701.1 | 1,048,711.9 | 1,485,204.4 | 2,788,010.4 | 33,931,514.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 124,721.4 | 579,631.1 | 72,950.3 | 398,631.8 | 458,113.5 | 30,257.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,664,305.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 529,011.9 | 1,250,869.3 | 518,050.0 | 929,040.5 | 348,840.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,575,811.8 | | Préstamos de Otras Instituciones Financieras del Exterior | 578,032.9 | 0.0 | 458,113.5 | 366,490.8 | 1,007,849.7 | 0.0 | 0.0 | 0.0 | 953,768.0 | 0.0 | 972,376.4 | 4,336,631.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,105,724.5 | 7,657,645.1 | 3,794,211.3 | 3,074,571.6 | 442,843.1 | 374,693.6 | 8,592.8 | 1,500,701.1 | 94,943.9 | 1,485,204.4 | 1,815,634.0 | 24,354,765.3 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 101,500.0 | 105,354.0 | 84,385.7 | 94,328.5 | 45,781.1 | 27,730.2 | 2,152.0 | 33,827.8 | 13,582.4 | 24,095.8 | 44,820.4 | 577,558.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 408,562.4 | 302,663.0 | 0.0 | 148,834.1 | 181,944.2 | 15,754.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,057,758.4 | | Operaciones con Reportos y Valores Derivados | 200,331.1 | 484,837.8 | 50,082.5 | 0.0 | 449,296.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,184,548.2 | | Otras cuentas por pagar | 206,706.0 | 289,103.4 | 193,857.6 | 161,697.3 | 165,750.5 | 33,270.2 | 20,078.8 | 16,291.8 | 66,604.2 | 13,308.6 | 23,001.2 | 1,189,669.6 | | Otros pasivos y provisiones | 591,437.1 | 726,631.4 | 735,127.7 | 220,185.4 | 205,465.0 | 109,234.1 | 32,615.3 | 76,022.4 | 63,529.8 | 20,934.3 | 66,123.7 | 2,847,306.2 | | Obligaciones subordinadas | 943,818.3 | 887,932.0 | 0.0 | 470,452.0 | 321,821.8 | 187,229.0 | 0.0 | 0.0 | 92,940.8 | 63,812.2 | 214,872.2 | 3,182,878.3 | | 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 | 14,869.1 | 0.0 | 14,869.1 | | Patrimonio | 7,052,804.6 | 6,673,155.5 | 7,747,015.9 | 2,202,495.9 | 1,550,885.9 | 568,836.3 | 603,478.9 | 489,990.6 | 312,783.8 | 293,842.3 | 526,458.8 | 28,021,748.3 | | Capital social pagado | 3,559,500.0 | 3,607,666.0 | 2,790,361.1 | 1,073,560.0 | 879,702.5 | 809,089.3 | 524,600.0 | 344,904.0 | 235,240.0 | 259,500.1 | 458,953.5 | 14,543,076.5 | | 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 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.2 | 0.0 | 0.0 | 4.8 | 8,196.3 | 20,103.3 | 28,305.2 | | 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 | -37.1 | -11,932.9 | 789.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -11,180.9 | | 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 | 52,735.6 | 47,753.7 | 21,183.4 | -14,643.5 | 4,666,056.3 | | Resultados del Periodo | 1,188,026.3 | 1,272,417.5 | 1,219,494.3 | 276,999.8 | 111,593.5 | 42,019.7 | 40,271.8 | 64,464.8 | 20,953.7 | 103.3 | 62,045.6 | 4,298,390.3 | | Cuentas contingentes | 23,815,688.3 | 10,124,376.4 | 9,518,240.0 | 1,618,781.6 | 7,298,909.8 | 63,744.7 | 59,218.6 | 0.0 | 252,369.0 | 0.0 | 0.0 | 52,751,328.5 | | Cuentas de orden | 99,209,663.0 | 44,136,864.5 | 268,586,963.0 | 57,146,197.0 | 11,983,465.5 | 13,311,837.8 | 73,915,733.9 | 3,094,423.1 | 3,369,594.9 | 2,350,750.7 | 2,174,667.5 | 579,280,160.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2016 C$ 29.0872 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2017 C$ 30.5409 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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