| 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 | 67,267,615.9 | 59,060,852.9 | 56,273,763.9 | 24,655,596.0 | 14,434,713.0 | 5,897,293.1 | 10,864,006.9 | 2,333,240.5 | 1,750,148.5 | 2,111,394.7 | 3,824,794.4 | 248,473,419.9 | | Disponibilidades | 13,910,845.7 | 9,237,211.2 | 13,995,187.5 | 3,834,382.5 | 2,100,404.0 | 1,061,410.1 | 5,857,543.8 | 167,356.7 | 168,119.3 | 193,104.5 | 439,087.4 | 50,964,652.6 | | Moneda Nacional | 4,959,276.0 | 3,076,783.2 | 3,482,602.1 | 733,255.7 | 471,057.1 | 287,667.1 | 1,980,834.5 | 116,618.0 | 51,991.7 | 113,190.6 | 161,121.3 | 15,434,397.3 | | Caja | 1,495,058.7 | 1,037,325.3 | 2,056,087.4 | 267,337.2 | 103,723.4 | 104,902.5 | 14,144.5 | 13,852.7 | 18,628.1 | 24,894.8 | 69,206.5 | 5,205,161.0 | | Banco Central de Nicaragua | 3,412,649.5 | 1,974,541.8 | 1,331,859.6 | 436,085.4 | 348,240.9 | 177,700.0 | 1,961,273.0 | 63,120.7 | 4,212.7 | 100.0 | 0.0 | 9,709,783.6 | | Depositos e Instituciones Financieras del Pais | 22,760.2 | 1,186.1 | 31,903.7 | 25,317.2 | 10,396.3 | 2,172.4 | 0.0 | 39,644.7 | 29,151.0 | 88,177.0 | 91,914.8 | 342,623.4 | | Otras disponibilidades | 28,807.6 | 63,729.9 | 62,751.3 | 4,516.0 | 8,696.4 | 2,892.3 | 5,417.1 | 0.0 | 0.0 | 18.8 | 0.0 | 176,829.4 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,951,569.7 | 6,160,428.0 | 10,512,585.4 | 3,101,126.8 | 1,629,346.9 | 773,742.9 | 3,876,709.3 | 50,738.7 | 116,127.6 | 79,913.9 | 277,966.1 | 35,530,255.3 | | Caja | 947,556.4 | 586,627.6 | 2,304,338.5 | 205,545.7 | 165,375.1 | 125,570.2 | 13,606.8 | 9,447.2 | 7,077.0 | 5,310.3 | 20,852.0 | 4,391,306.8 | | Banco Central de Nicaragua | 5,508,884.9 | 3,971,240.8 | 5,228,133.0 | 1,999,292.7 | 1,187,950.7 | 586,159.9 | 3,662,453.8 | 16,923.0 | 11,041.6 | 24,632.7 | 0.0 | 22,196,713.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 132,729.8 | 0.0 | 25.9 | 169,310.0 | 24,368.5 | 98,009.0 | 49,970.9 | 257,114.1 | 731,528.1 | | Depositos en Instituciones Financieras del exterior | 2,485,570.5 | 1,325,628.0 | 2,895,548.0 | 681,779.0 | 150,498.1 | 58,305.5 | 31,323.1 | 0.0 | 0.0 | 0.0 | 0.0 | 7,628,652.2 | | Otras disponibilidades | 9,557.9 | 276,931.6 | 84,565.9 | 81,779.6 | 125,523.1 | 3,681.6 | 15.6 | 0.0 | 0.0 | 0.0 | 0.0 | 582,055.1 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 7,401,919.1 | 10,080,725.9 | 1,533,908.9 | 1,224,730.8 | 1,380,218.4 | 0.0 | 2,432,984.8 | 309.1 | 0.0 | 0.0 | 44.9 | 24,054,842.0 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 388,700.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 388,700.0 | | Inversiones Disponibles para la Venta | 767,238.4 | 7,958,105.3 | 1,533,908.9 | 521,543.8 | 991,518.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,772,314.9 | | Inversiones Mantenidas Hasta el Vencimiento | 6,634,680.7 | 2,122,620.6 | 0.0 | 703,187.0 | 0.0 | 0.0 | 2,432,984.8 | 309.1 | 0.0 | 0.0 | 44.9 | 11,893,827.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 568,685.2 | 0.0 | 0.0 | 1,050,358.1 | 0.0 | 843,857.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,462,901.1 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 43,420,946.2 | 36,727,961.8 | 39,706,978.5 | 19,125,426.9 | 9,497,744.3 | 4,472,473.1 | 1,624,944.8 | 2,014,105.7 | 1,505,761.3 | 1,826,171.4 | 3,257,569.3 | 163,180,083.2 | | Créditos vigentes | 42,247,665.5 | 35,652,280.8 | 39,767,030.6 | 18,842,183.4 | 9,330,110.2 | 4,390,379.4 | 1,617,333.0 | 1,983,488.2 | 1,452,791.8 | 1,709,660.2 | 3,143,563.6 | 160,136,486.6 | | Créditos prorrogados | 214,576.4 | 25,744.9 | 0.0 | 1,140.4 | 0.0 | 0.0 | 0.0 | 0.0 | 2,895.1 | 0.0 | 0.0 | 244,356.8 | | Créditos reestructurados | 898,828.3 | 942,495.2 | 167,482.4 | 290,119.3 | 142,783.2 | 97,041.1 | 257.0 | 33,371.7 | 22,726.7 | 264.4 | 562.4 | 2,595,931.8 | | Créditos vencidos | 232,991.4 | 266,731.4 | 337,275.0 | 169,150.1 | 156,141.5 | 39,289.9 | 0.0 | 29,232.5 | 17,991.8 | 71,963.3 | 33,972.8 | 1,354,739.7 | | Créditos en cobro judicial | 95,188.6 | 95,204.3 | 136,275.2 | 68,009.3 | 1,373.2 | 4,040.3 | 0.0 | 274.4 | 7,840.4 | 0.0 | 0.0 | 408,205.7 | | Intereses y Comisiones por Cobrar sobre Creditos | 619,700.9 | 545,903.3 | 368,487.1 | 176,438.4 | 186,050.2 | 81,633.1 | 29,131.8 | 40,614.5 | 49,844.8 | 147,033.4 | 165,737.3 | 2,410,574.9 | | Provisiones por incobrabilidad de cartera de creditos | -888,004.9 | -800,398.1 | -1,069,571.8 | -421,613.9 | -318,714.0 | -139,910.8 | -21,777.0 | -72,875.5 | -48,329.4 | -102,750.0 | -86,266.8 | -3,970,212.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 200,960.2 | 307,829.6 | 120,930.7 | 106,056.6 | 37,158.2 | 37,657.0 | 10,610.6 | 23,697.0 | 895.8 | 3,949.6 | 12,021.5 | 861,767.0 | | Bienes de uso, neto | 1,264,792.8 | 573,274.9 | 720,913.4 | 158,880.9 | 138,753.7 | 217,831.0 | 29,624.4 | 48,366.6 | 45,445.7 | 47,373.4 | 47,843.9 | 3,293,100.8 | | Bienes recibidos en recuperacion de creditos, neto | 102,729.1 | 184,670.7 | 10,309.8 | 26,589.4 | 573.5 | 387.8 | 7,830.9 | 6,368.4 | 3,635.8 | 1,799.5 | 103.2 | 344,998.1 | | Invesiones permanentes en acciones | 224,081.2 | 1,058,013.8 | 69,571.1 | 25,985.0 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,391,151.1 | | Otros activos neto | 741,341.6 | 322,479.6 | 115,964.0 | 153,544.0 | 222,752.8 | 100,784.1 | 56,609.8 | 73,037.0 | 26,290.6 | 38,996.3 | 68,124.1 | 1,919,923.9 | | Pasivo | 59,923,765.7 | 52,093,325.9 | 48,282,479.4 | 22,380,197.8 | 12,853,092.7 | 5,134,597.4 | 10,246,988.5 | 1,826,869.2 | 1,433,427.5 | 1,810,593.9 | 3,306,621.8 | 219,291,959.7 | | Obligaciones con el Público | 50,019,474.6 | 37,475,077.9 | 39,398,619.0 | 14,098,271.0 | 7,941,043.4 | 3,988,887.2 | 10,174,980.2 | 124,468.1 | 40,429.2 | 154,729.2 | 0.0 | 163,415,979.8 | | Moneda Nacional | 14,787,408.2 | 9,330,252.4 | 8,498,751.0 | 2,089,505.1 | 635,658.4 | 527,056.0 | 3,306,192.5 | 0.0 | 0.0 | 0.0 | 0.0 | 39,174,823.7 | | Depositos a la Vista | 7,713,939.6 | 5,243,705.7 | 5,431,277.8 | 347,470.4 | 418,674.6 | 281,459.9 | 2,882,492.9 | 0.0 | 0.0 | 0.0 | 0.0 | 22,319,020.9 | | Depositos de Ahorro | 6,144,345.2 | 3,594,971.0 | 2,582,038.5 | 1,574,504.5 | 189,886.4 | 206,707.3 | 411,901.9 | 0.0 | 0.0 | 0.0 | 0.0 | 14,704,354.7 | | Depositos a Plazo | 929,123.4 | 491,575.8 | 485,434.6 | 167,530.3 | 27,097.4 | 38,888.9 | 11,797.8 | 0.0 | 0.0 | 0.0 | 0.0 | 2,151,448.1 | | 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 | | | | | | | | | | | | | | | | Moneda Extranjera | 34,528,579.5 | 27,595,978.8 | 30,479,126.9 | 11,519,712.3 | 7,178,109.3 | 3,394,243.5 | 6,848,472.5 | 0.0 | 0.0 | 0.0 | 0.0 | 121,544,222.8 | | Depositos a la Vista | 8,336,731.9 | 6,174,832.0 | 8,797,620.9 | 857,970.1 | 1,676,555.6 | 754,807.5 | 6,465,425.1 | 0.0 | 0.0 | 0.0 | 0.0 | 33,063,943.1 | | Depositos de Ahorro | 14,877,289.8 | 12,144,573.7 | 12,755,098.4 | 6,035,830.6 | 1,805,816.1 | 1,133,327.0 | 50,136.4 | 0.0 | 0.0 | 0.0 | 0.0 | 48,802,072.0 | | Depositos a Plazo | 11,314,557.8 | 9,276,573.1 | 8,926,407.6 | 4,625,911.6 | 3,695,737.5 | 1,506,109.1 | 332,911.0 | 0.0 | 0.0 | 0.0 | 0.0 | 39,678,207.6 | | 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 | 456,069.1 | 346,062.1 | 252,247.0 | 368,460.6 | 45,591.9 | 45,593.3 | 17,631.4 | 123,770.3 | 40,078.7 | 153,954.5 | 0.0 | 1,849,459.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 247,417.8 | 202,784.7 | 168,494.1 | 120,592.9 | 81,683.8 | 21,994.4 | 2,683.8 | 697.8 | 350.5 | 774.7 | 0.0 | 847,474.4 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 7,721,350.0 | 12,053,592.4 | 8,000,370.5 | 7,428,285.7 | 3,669,059.8 | 976,516.9 | 10,948.3 | 1,623,923.1 | 1,177,015.8 | 1,550,623.3 | 2,967,999.8 | 47,179,685.6 | | Por Depósitos de Instituciones Financieras | 1,058,988.5 | 1,423,446.3 | 3,175,021.7 | 1,443,376.9 | 1,249,954.0 | 658,846.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,009,633.5 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 6,577,411.2 | 10,550,339.0 | 4,730,387.2 | 5,882,127.8 | 2,364,649.7 | 283,272.5 | 8,663.1 | 1,591,411.4 | 1,158,097.2 | 1,526,457.3 | 2,930,248.8 | 37,603,065.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 431,669.3 | 569,336.2 | 69,860.1 | 488,760.3 | 461,863.5 | 28,675.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,050,164.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 802,277.9 | 1,234,267.3 | 516,902.2 | 1,176,778.1 | 347,846.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,078,072.2 | | Préstamos de Otras Instituciones Financieras del Exterior | 576,883.1 | 0.0 | 461,863.5 | 369,490.8 | 1,016,099.7 | 0.0 | 0.0 | 0.0 | 1,025,441.0 | 0.0 | 1,081,946.0 | 4,531,724.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,766,580.8 | 8,746,735.4 | 3,681,761.4 | 3,847,098.6 | 538,839.8 | 254,597.1 | 8,663.1 | 1,591,411.4 | 132,656.2 | 1,526,457.3 | 1,848,302.7 | 26,943,103.8 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 84,950.4 | 79,807.1 | 94,961.5 | 102,781.0 | 54,456.1 | 34,398.3 | 2,285.2 | 32,511.8 | 18,918.6 | 24,166.0 | 37,751.0 | 566,987.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 416,445.6 | 306,391.6 | 0.0 | 149,525.3 | 184,749.9 | 15,911.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,073,023.4 | | Operaciones con Reportos y Valores Derivados | 0.0 | 491,603.0 | 0.0 | 0.0 | 341,638.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 833,241.7 | | Otras cuentas por pagar | 263,961.9 | 270,458.6 | 244,007.9 | 64,504.0 | 191,169.1 | 56,273.0 | 33,493.2 | 13,130.0 | 65,612.6 | 12,460.6 | 57,635.0 | 1,272,705.9 | | Otros pasivos y provisiones | 549,370.7 | 675,574.5 | 639,481.9 | 169,673.1 | 190,516.8 | 97,009.2 | 27,566.8 | 65,347.9 | 55,045.5 | 15,568.3 | 62,286.1 | 2,547,440.9 | | Obligaciones subordinadas | 953,162.9 | 820,627.8 | 0.0 | 469,938.8 | 334,915.0 | 0.0 | 0.0 | 0.0 | 95,324.4 | 62,081.6 | 218,700.9 | 2,954,751.3 | | 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 | 15,130.9 | 0.0 | 15,130.9 | | Patrimonio | 7,343,850.2 | 6,967,527.0 | 7,991,284.5 | 2,275,398.2 | 1,581,620.3 | 762,695.7 | 617,018.4 | 506,371.4 | 316,721.0 | 300,800.9 | 518,172.7 | 29,181,460.2 | | 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 | -921.9 | 578.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -357.3 | | Reservas patrimoniales | 1,428,602.1 | 1,246,868.3 | 1,279,405.8 | 387,110.5 | 272,362.0 | 56,572.1 | 14,532.2 | 27,886.2 | 12,565.2 | 4,859.2 | 0.0 | 4,730,763.5 | | Resultados acumulados de ejercicios anteriores | 876,713.2 | 558,136.1 | 2,456,965.5 | 464,825.6 | 287,227.9 | -338,845.0 | 24,074.8 | 52,735.6 | 44,020.1 | 21,183.4 | -14,643.5 | 4,432,393.6 | | Resultados del Periodo | 1,479,048.6 | 1,555,778.0 | 1,463,973.8 | 349,902.2 | 142,327.9 | 52,437.3 | 53,811.4 | 80,717.6 | 24,891.0 | 7,061.9 | 53,759.4 | 5,263,708.9 | | Cuentas contingentes | 22,278,016.3 | 10,964,111.6 | 9,861,752.9 | 1,625,131.6 | 7,296,405.9 | 72,316.9 | 185,134.8 | 0.0 | 257,166.8 | 0.0 | 0.0 | 52,540,036.9 | | Cuentas de orden | 100,038,641.6 | 47,235,632.5 | 256,369,605.0 | 58,555,817.4 | 12,722,460.5 | 13,725,702.6 | 75,449,343.6 | 3,100,718.3 | 3,373,801.1 | 2,415,669.9 | 2,897,286.4 | 575,884,679.0 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2016 C$ 29.3247 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2017 C$ 30.7909 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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