| 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 | 68,283,928.2 | 58,239,969.3 | 55,639,828.5 | 24,551,217.4 | 14,349,755.5 | 5,828,857.0 | 10,393,228.6 | 2,318,039.6 | 1,785,704.9 | 2,088,757.1 | 3,732,161.2 | 247,211,447.4 | | Disponibilidades | 14,908,905.8 | 10,258,074.2 | 13,607,885.2 | 3,989,663.1 | 1,962,535.0 | 1,047,352.8 | 6,154,284.1 | 166,879.1 | 204,354.3 | 153,782.0 | 409,031.9 | 52,862,747.5 | | Moneda Nacional | 5,268,874.0 | 3,535,343.7 | 3,872,226.5 | 957,674.9 | 350,407.3 | 329,689.6 | 2,012,255.4 | 137,335.9 | 34,974.9 | 55,075.9 | 122,517.8 | 16,676,375.7 | | Caja | 1,836,644.8 | 1,395,152.3 | 1,585,586.3 | 248,550.9 | 120,219.0 | 260,160.4 | 32,453.7 | 14,188.2 | 23,116.8 | 28,149.9 | 71,514.4 | 5,615,736.8 | | Banco Central de Nicaragua | 3,292,776.5 | 1,983,151.1 | 2,068,375.0 | 494,289.2 | 213,724.7 | 61,432.9 | 1,660,974.0 | 86,120.8 | 4,212.7 | 100.0 | 0.0 | 9,865,156.9 | | Depositos e Instituciones Financieras del Pais | 24,846.3 | 355.7 | 29,945.7 | 184,799.8 | 8,521.5 | 2,969.2 | 0.0 | 37,026.9 | 7,645.4 | 26,571.1 | 51,003.4 | 373,684.9 | | Otras disponibilidades | 114,606.4 | 156,684.6 | 188,319.5 | 30,034.9 | 7,942.2 | 5,127.0 | 318,827.7 | 0.0 | 0.0 | 254.9 | 0.0 | 821,797.1 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,640,031.8 | 6,722,730.5 | 9,735,658.7 | 3,031,988.2 | 1,612,127.7 | 717,663.3 | 4,142,028.7 | 29,543.2 | 169,379.4 | 98,706.1 | 286,514.1 | 36,186,371.8 | | Caja | 1,177,345.9 | 551,711.0 | 2,120,818.0 | 213,956.1 | 163,578.9 | 163,012.8 | 16,409.0 | 9,379.4 | 11,223.5 | 10,038.7 | 24,534.5 | 4,462,007.9 | | Banco Central de Nicaragua | 5,491,306.8 | 4,223,550.4 | 5,195,427.2 | 1,984,914.0 | 1,033,998.0 | 522,661.5 | 3,947,164.5 | 3,054.4 | 10,996.0 | 24,530.9 | 0.0 | 22,437,603.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 85,692.5 | 0.0 | 663.0 | 168,160.2 | 17,109.3 | 147,159.9 | 64,136.6 | 261,979.7 | 744,901.1 | | Depositos en Instituciones Financieras del exterior | 2,876,084.6 | 1,631,473.8 | 2,306,965.6 | 648,534.7 | 276,423.6 | 19,043.3 | 7,951.4 | 0.0 | 0.0 | 0.0 | 0.0 | 7,766,477.0 | | Otras disponibilidades | 95,294.5 | 315,995.4 | 112,447.9 | 98,891.0 | 138,127.2 | 12,282.7 | 2,343.6 | 0.0 | 0.0 | 0.0 | 0.0 | 775,382.2 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,078,832.1 | 8,469,886.6 | 614,531.0 | 1,120,027.8 | 1,036,398.9 | 0.0 | 1,718,212.0 | 307.8 | 0.0 | 0.0 | 44.6 | 21,038,240.8 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 385,367.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 385,367.7 | | Inversiones Disponibles para la Venta | 520,018.5 | 6,139,013.5 | 614,531.0 | 424,406.2 | 651,031.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,349,000.5 | | Inversiones Mantenidas Hasta el Vencimiento | 7,558,813.5 | 2,330,873.0 | 0.0 | 695,621.6 | 0.0 | 0.0 | 1,718,212.0 | 307.8 | 0.0 | 0.0 | 44.6 | 12,303,872.6 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 568,685.2 | 0.0 | 61,347.3 | 1,481,663.9 | 0.0 | 830,908.5 | 0.0 | 0.0 | 0.0 | 0.0 | 2,942,604.9 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 42,812,788.1 | 36,497,589.0 | 40,398,893.8 | 18,924,912.4 | 9,472,104.8 | 4,425,496.0 | 1,580,809.5 | 1,997,033.7 | 1,504,974.8 | 1,834,889.2 | 3,194,651.9 | 162,644,143.0 | | Créditos vigentes | 41,280,021.9 | 35,400,673.7 | 40,282,848.3 | 18,643,760.8 | 9,307,376.3 | 4,351,694.3 | 1,575,467.6 | 1,971,458.5 | 1,454,327.6 | 1,716,303.1 | 3,085,273.6 | 159,069,205.7 | | Créditos prorrogados | 619,937.4 | 99,544.9 | 0.0 | 1,135.6 | 0.0 | 0.0 | 0.0 | 0.0 | 3,088.1 | 0.0 | 0.0 | 723,706.0 | | Créditos reestructurados | 863,747.5 | 913,969.6 | 166,398.1 | 281,456.7 | 139,091.0 | 93,280.8 | 5,036.6 | 30,813.5 | 22,336.9 | 263.3 | 685.7 | 2,517,079.6 | | Créditos vencidos | 246,215.8 | 268,061.5 | 479,285.2 | 194,165.8 | 158,699.9 | 35,651.6 | 0.0 | 28,793.6 | 16,474.6 | 73,669.7 | 34,543.6 | 1,535,561.4 | | Créditos en cobro judicial | 97,481.7 | 95,567.0 | 135,637.5 | 61,605.9 | 1,367.6 | 4,677.0 | 0.0 | 140.7 | 7,236.8 | 0.0 | 0.0 | 403,714.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 633,370.6 | 530,688.8 | 364,678.6 | 168,471.0 | 188,763.9 | 77,077.1 | 23,225.4 | 38,247.5 | 48,135.6 | 147,474.4 | 162,449.5 | 2,382,582.5 | | Provisiones por incobrabilidad de cartera de creditos | -927,986.8 | -810,916.5 | -1,029,953.8 | -425,683.4 | -323,194.0 | -136,884.9 | -22,920.1 | -72,420.2 | -46,624.9 | -102,821.5 | -88,300.6 | -3,987,706.5 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 146,144.3 | 297,358.6 | 103,225.5 | 75,799.4 | 35,591.0 | 26,667.6 | 13,706.1 | 22,567.4 | 1,994.8 | 8,280.1 | 12,011.7 | 743,346.4 | | Bienes de uso, neto | 1,228,055.5 | 577,564.4 | 711,404.9 | 164,454.8 | 135,567.1 | 218,908.0 | 30,624.1 | 48,770.3 | 45,919.1 | 47,751.0 | 46,780.5 | 3,255,799.7 | | Bienes recibidos en recuperacion de creditos, neto | 119,458.9 | 182,118.7 | 10,733.0 | 29,145.7 | 573.5 | 12,914.1 | 7,830.9 | 6,979.5 | 2,764.2 | 1,799.5 | 143.9 | 374,461.9 | | Invesiones permanentes en acciones | 214,697.0 | 1,026,913.5 | 69,858.5 | 25,958.7 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,350,927.8 | | Otros activos neto | 775,046.6 | 361,779.0 | 123,296.6 | 159,908.3 | 218,571.4 | 90,768.4 | 56,853.3 | 75,501.9 | 25,697.8 | 42,255.3 | 69,496.8 | 1,999,175.4 | | Pasivo | 61,108,254.3 | 51,423,559.4 | 47,761,911.4 | 22,312,826.4 | 12,779,932.3 | 5,073,859.5 | 9,774,234.8 | 1,820,224.3 | 1,470,771.3 | 1,789,046.0 | 3,196,067.7 | 218,510,687.5 | | Obligaciones con el Público | 51,355,219.9 | 37,118,744.6 | 38,590,059.3 | 14,717,927.2 | 7,639,895.0 | 3,801,530.7 | 9,704,721.3 | 243,933.7 | 100,859.5 | 153,702.8 | 0.0 | 163,426,593.8 | | Moneda Nacional | 15,721,254.5 | 9,224,607.3 | 8,199,681.4 | 2,117,889.2 | 655,048.4 | 451,805.4 | 2,909,784.0 | 0.0 | 0.0 | 0.0 | 0.0 | 39,280,070.2 | | Depositos a la Vista | 8,070,792.7 | 4,971,687.8 | 5,188,099.3 | 424,497.1 | 465,601.6 | 219,201.4 | 2,742,517.1 | 0.0 | 0.0 | 0.0 | 0.0 | 22,082,396.9 | | Depositos de Ahorro | 6,709,978.6 | 3,754,550.5 | 2,646,945.0 | 1,512,996.3 | 162,664.5 | 191,816.9 | 155,637.8 | 0.0 | 0.0 | 0.0 | 0.0 | 15,134,589.6 | | Depositos a Plazo | 940,483.2 | 498,369.0 | 364,637.1 | 180,395.8 | 26,782.3 | 40,787.1 | 11,629.2 | 0.0 | 0.0 | 0.0 | 0.0 | 2,063,083.7 | | 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 | 34,963,940.1 | 27,400,736.5 | 29,777,181.7 | 11,575,306.9 | 6,854,518.9 | 3,249,815.2 | 6,773,237.4 | 0.0 | 0.0 | 0.0 | 0.0 | 120,594,736.7 | | Depositos a la Vista | 9,054,150.3 | 6,749,402.2 | 8,791,508.7 | 979,517.6 | 1,375,196.6 | 699,769.0 | 6,376,553.0 | 0.0 | 0.0 | 0.0 | 0.0 | 34,026,097.5 | | Depositos de Ahorro | 14,701,100.5 | 11,671,851.0 | 12,231,143.6 | 5,938,857.8 | 1,780,021.8 | 1,092,450.0 | 68,170.1 | 0.0 | 0.0 | 0.0 | 0.0 | 47,483,594.8 | | Depositos a Plazo | 11,208,689.3 | 8,979,483.2 | 8,754,529.4 | 4,656,931.6 | 3,699,300.5 | 1,457,596.2 | 328,514.3 | 0.0 | 0.0 | 0.0 | 0.0 | 39,085,044.5 | | 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 | 435,525.9 | 296,640.7 | 443,977.5 | 887,740.1 | 51,064.4 | 79,025.0 | 11,125.6 | 241,336.0 | 100,650.5 | 153,318.0 | 0.0 | 2,700,403.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 234,499.4 | 196,760.1 | 169,218.6 | 136,990.9 | 79,263.1 | 20,885.1 | 10,574.3 | 2,597.6 | 209.0 | 384.8 | 0.0 | 851,383.1 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 7,505,783.8 | 11,613,721.4 | 8,094,044.3 | 6,605,818.8 | 3,503,019.7 | 1,110,684.5 | 10,845.5 | 1,487,124.6 | 1,152,399.6 | 1,519,889.6 | 2,902,876.4 | 45,506,208.2 | | Por Depósitos de Instituciones Financieras | 1,076,621.4 | 1,459,708.0 | 3,312,374.3 | 1,470,966.8 | 1,252,413.7 | 672,419.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,244,504.2 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 6,310,531.5 | 10,043,334.0 | 4,683,338.4 | 5,046,287.7 | 2,201,556.3 | 405,830.7 | 8,627.3 | 1,454,828.8 | 1,137,560.7 | 1,498,005.5 | 2,867,065.0 | 35,656,965.8 | | Préstamos de la Financiera Nicaraguense de Inversiones | 430,873.5 | 574,010.2 | 70,260.5 | 397,509.5 | 459,954.0 | 29,631.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,962,239.5 | | Préstamos del Banco Centroaméricano de Integración Económica | 497,130.4 | 1,245,681.4 | 516,681.7 | 1,052,749.6 | 346,408.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,658,651.6 | | Préstamos de Otras Instituciones Financieras del Exterior | 580,355.2 | 0.0 | 459,954.0 | 367,963.2 | 1,011,898.8 | 0.0 | 0.0 | 0.0 | 1,055,535.7 | 0.0 | 1,016,145.7 | 4,491,852.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,802,172.4 | 8,223,642.4 | 3,636,442.2 | 3,228,065.4 | 383,295.0 | 376,198.9 | 8,627.3 | 1,454,828.8 | 82,025.0 | 1,498,005.5 | 1,850,919.3 | 25,544,222.1 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 118,630.8 | 110,679.4 | 98,331.6 | 88,564.3 | 49,049.6 | 32,433.9 | 2,218.2 | 32,295.9 | 14,839.0 | 21,884.1 | 35,811.4 | 604,738.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 412,578.1 | 305,576.7 | 0.0 | 148,164.1 | 183,132.5 | 15,829.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,065,280.9 | | Operaciones con Reportos y Valores Derivados | 0.0 | 488,123.2 | 0.0 | 0.0 | 711,781.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,199,904.8 | | Otras cuentas por pagar | 228,296.1 | 264,580.1 | 326,101.7 | 153,664.6 | 191,849.9 | 34,761.7 | 27,440.3 | 12,116.8 | 68,147.5 | 15,091.2 | 20,743.9 | 1,342,793.9 | | Otros pasivos y provisiones | 651,567.1 | 752,147.3 | 751,706.0 | 211,683.8 | 221,966.9 | 111,053.2 | 31,227.7 | 77,049.1 | 55,255.7 | 22,403.2 | 55,715.4 | 2,941,775.7 | | Obligaciones subordinadas | 954,809.2 | 880,666.2 | 0.0 | 475,567.9 | 328,286.8 | 0.0 | 0.0 | 0.0 | 94,109.0 | 62,879.7 | 216,732.0 | 3,013,050.8 | | 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 | 15,079.5 | 0.0 | 15,079.5 | | Patrimonio | 7,175,674.0 | 6,816,409.8 | 7,877,917.2 | 2,238,391.0 | 1,569,823.2 | 754,997.4 | 618,993.8 | 497,815.4 | 314,933.6 | 299,711.1 | 536,093.5 | 28,700,759.9 | | Capital social pagado | 3,559,500.0 | 3,607,666.0 | 2,790,361.1 | 1,073,560.0 | 879,702.5 | 992,531.1 | 524,600.0 | 345,032.0 | 235,240.0 | 259,500.1 | 458,953.5 | 14,726,646.3 | | 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 | -13.7 | -8,531.0 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -7,744.7 | | 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 | 1,310,872.3 | 1,412,269.9 | 1,350,384.7 | 312,894.9 | 130,530.8 | 44,739.0 | 55,786.8 | 72,161.6 | 23,103.5 | 5,972.1 | 71,680.2 | 4,790,395.9 | | Cuentas contingentes | 22,079,074.5 | 10,059,240.6 | 9,525,941.4 | 1,598,094.4 | 7,256,691.5 | 62,508.9 | 112,369.5 | 0.0 | 251,943.1 | 0.0 | 0.0 | 50,945,863.9 | | Cuentas de orden | 98,061,193.3 | 44,590,485.2 | 275,239,385.7 | 67,424,962.5 | 12,136,053.5 | 13,485,176.0 | 74,509,950.0 | 3,118,303.9 | 3,336,644.1 | 2,426,569.3 | 2,300,823.5 | 596,629,547.1 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2016 C$ 29.2038 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2017 C$ 30.6636 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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