| 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 | 70,633,952.0 | 60,119,521.2 | 57,913,423.2 | 25,417,770.8 | 14,803,468.7 | 6,168,326.8 | 11,606,479.7 | 2,390,155.8 | 1,758,617.3 | 2,088,774.0 | 3,765,078.9 | 256,665,568.5 | | Disponibilidades | 14,025,782.6 | 9,304,561.7 | 14,978,963.0 | 4,118,641.0 | 2,308,200.1 | 1,232,995.8 | 5,611,550.3 | 240,587.5 | 192,626.0 | 254,037.1 | 458,401.3 | 52,726,346.5 | | Moneda Nacional | 4,713,656.5 | 3,130,534.4 | 3,326,900.9 | 784,785.6 | 340,156.5 | 442,422.7 | 2,315,382.3 | 157,311.1 | 74,829.2 | 189,740.3 | 319,085.0 | 15,794,804.6 | | Caja | 1,872,040.1 | 1,011,674.2 | 1,687,909.8 | 190,942.6 | 194,676.9 | 296,875.0 | 35,621.2 | 15,124.2 | 26,744.9 | 33,769.9 | 63,325.1 | 5,428,703.9 | | Banco Central de Nicaragua | 2,697,302.5 | 1,986,404.6 | 1,477,426.9 | 480,999.1 | 128,342.8 | 138,777.3 | 2,188,390.5 | 96,920.4 | 2,027.7 | 100.0 | 0.0 | 9,196,691.7 | | Depositos e Instituciones Financieras del Pais | 29,571.8 | 1,073.9 | 35,124.2 | 17,200.8 | 6,773.3 | 759.6 | 0.0 | 45,266.6 | 46,056.6 | 155,719.3 | 255,760.0 | 593,306.0 | | Otras disponibilidades | 114,742.1 | 131,381.8 | 126,439.9 | 95,643.1 | 10,363.5 | 6,010.8 | 91,370.7 | 0.0 | 0.0 | 151.1 | 0.0 | 576,103.1 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,312,126.1 | 6,174,027.4 | 11,652,062.2 | 3,333,855.4 | 1,968,043.6 | 790,573.1 | 3,296,167.9 | 83,276.4 | 117,796.8 | 64,296.8 | 139,316.2 | 36,931,541.9 | | Caja | 1,123,460.9 | 541,033.8 | 2,213,886.1 | 259,466.9 | 332,850.0 | 206,157.3 | 30,723.8 | 12,101.7 | 13,083.9 | 12,161.3 | 21,602.6 | 4,766,528.0 | | Banco Central de Nicaragua | 5,252,452.8 | 3,972,481.3 | 6,039,165.5 | 2,044,171.7 | 1,089,902.0 | 553,155.7 | 3,087,342.8 | 48,051.8 | 5,915.2 | 24,827.8 | 0.0 | 22,117,466.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 298,386.6 | 0.0 | 69.7 | 171,520.3 | 23,122.9 | 98,797.7 | 27,307.7 | 117,713.6 | 736,918.5 | | Depositos en Instituciones Financieras del exterior | 2,875,986.4 | 1,205,758.7 | 3,295,196.1 | 631,587.4 | 399,289.2 | 18,103.7 | 6,509.5 | 0.0 | 0.0 | 0.0 | 0.0 | 8,432,431.1 | | Otras disponibilidades | 60,225.9 | 454,753.5 | 103,814.5 | 100,242.9 | 146,002.4 | 13,086.7 | 71.5 | 0.0 | 0.0 | 0.0 | 0.0 | 878,197.5 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 9,654,510.6 | 10,629,075.3 | 1,745,644.0 | 1,606,990.8 | 1,527,826.7 | 0.0 | 4,034,869.8 | 310.9 | 0.0 | 0.0 | 20,346.0 | 29,219,574.2 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 508,335.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 508,335.8 | | Inversiones Disponibles para la Venta | 2,325,877.4 | 7,952,027.6 | 1,745,644.0 | 859,401.3 | 1,019,491.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,902,441.3 | | Inversiones Mantenidas Hasta el Vencimiento | 7,328,633.1 | 2,677,047.8 | 0.0 | 747,589.5 | 0.0 | 0.0 | 4,034,869.8 | 310.9 | 0.0 | 0.0 | 20,346.0 | 14,808,797.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 360,423.8 | 471,651.0 | 0.0 | 0.0 | 716,701.8 | 0.0 | 356,665.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,905,442.2 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 44,096,044.1 | 37,137,262.4 | 40,154,363.4 | 19,183,415.4 | 9,821,626.9 | 4,573,273.2 | 1,497,958.3 | 1,991,415.5 | 1,489,876.9 | 1,741,906.7 | 3,165,506.2 | 164,852,649.0 | | Créditos vigentes | 43,084,298.1 | 36,073,732.5 | 40,195,636.0 | 18,897,170.3 | 9,657,948.5 | 4,497,566.9 | 1,470,213.4 | 1,965,617.6 | 1,435,162.0 | 1,669,169.2 | 3,103,414.5 | 162,049,929.1 | | Créditos prorrogados | 62,944.0 | 12,340.5 | 2,793.1 | 3,612.5 | 0.0 | 0.0 | 0.0 | 0.0 | 5,325.1 | 0.0 | 0.0 | 87,015.2 | | Créditos reestructurados | 964,117.2 | 877,893.0 | 165,426.5 | 310,443.0 | 154,603.0 | 95,816.6 | 256.3 | 36,386.6 | 23,274.8 | 266.5 | 701.3 | 2,629,184.9 | | Créditos vencidos | 198,805.4 | 339,698.0 | 202,262.5 | 164,556.7 | 149,864.5 | 38,415.8 | 17,897.4 | 28,049.2 | 19,892.5 | 64,337.8 | 38,050.5 | 1,261,830.3 | | Créditos en cobro judicial | 113,636.0 | 107,791.9 | 253,284.2 | 68,316.3 | 1,384.1 | 8,377.9 | 0.0 | 28.2 | 9,575.5 | 0.0 | 0.0 | 562,394.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 611,731.3 | 591,225.2 | 405,085.1 | 170,955.8 | 182,106.0 | 77,734.0 | 31,012.2 | 35,494.8 | 46,997.7 | 103,368.5 | 118,862.2 | 2,374,572.9 | | Provisiones por incobrabilidad de cartera de creditos | -939,488.0 | -865,418.7 | -1,070,124.2 | -431,639.2 | -324,279.2 | -144,638.0 | -21,421.0 | -74,160.9 | -50,350.7 | -95,235.3 | -95,522.2 | -4,112,277.4 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 146,874.7 | 307,452.7 | 101,600.3 | 119,608.0 | 49,055.7 | 30,196.2 | 8,875.5 | 24,356.6 | 1,129.6 | 4,870.3 | 10,313.0 | 804,332.7 | | Bienes de uso, neto | 1,261,435.1 | 576,583.5 | 721,831.9 | 157,432.4 | 134,745.9 | 242,472.1 | 26,572.2 | 47,280.4 | 44,448.0 | 45,667.8 | 43,503.6 | 3,301,973.0 | | Bienes recibidos en recuperacion de creditos, neto | 84,129.5 | 183,691.3 | 12,205.3 | 32,628.2 | 573.5 | 387.8 | 7,830.9 | 6,530.7 | 3,159.9 | 754.3 | 0.0 | 331,891.4 | | Invesiones permanentes en acciones | 224,081.2 | 1,129,839.0 | 70,237.6 | 27,507.5 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,465,165.4 | | Otros activos neto | 780,670.4 | 379,404.2 | 128,577.7 | 171,547.5 | 237,988.1 | 82,251.7 | 62,157.2 | 79,674.1 | 27,377.0 | 41,537.7 | 67,008.7 | 2,058,194.2 | | Pasivo | 63,069,980.3 | 52,961,405.0 | 49,648,541.2 | 23,084,279.2 | 13,203,368.2 | 5,360,370.9 | 10,983,190.1 | 1,870,097.4 | 1,436,496.9 | 1,787,067.9 | 3,236,318.8 | 226,641,115.9 | | Obligaciones con el Público | 52,059,601.0 | 38,749,305.9 | 41,092,121.7 | 14,493,570.4 | 8,221,327.5 | 4,285,761.5 | 10,913,172.8 | 122,625.6 | 47,794.6 | 155,864.0 | 0.0 | 170,141,145.0 | | Moneda Nacional | 16,259,530.5 | 9,962,920.7 | 8,527,950.1 | 2,112,143.6 | 700,655.1 | 613,936.2 | 3,726,394.3 | 0.0 | 0.0 | 0.0 | 0.0 | 41,903,530.5 | | Depositos a la Vista | 8,103,846.4 | 5,609,199.3 | 5,187,226.4 | 440,392.7 | 400,986.9 | 278,729.1 | 2,606,959.7 | 0.0 | 0.0 | 0.0 | 0.0 | 22,627,340.4 | | Depositos de Ahorro | 6,947,774.1 | 3,839,560.3 | 2,860,260.2 | 1,488,391.1 | 267,017.4 | 263,553.3 | 1,107,794.4 | 0.0 | 0.0 | 0.0 | 0.0 | 16,774,350.7 | | Depositos a Plazo | 1,207,910.0 | 514,161.2 | 480,463.5 | 183,359.8 | 32,650.8 | 71,653.9 | 11,640.2 | 0.0 | 0.0 | 0.0 | 0.0 | 2,501,839.4 | | 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 | 35,111,864.1 | 28,328,375.9 | 32,011,192.1 | 11,733,282.9 | 7,412,679.1 | 3,593,028.8 | 7,180,253.2 | 0.0 | 0.0 | 0.0 | 0.0 | 125,370,676.0 | | Depositos a la Vista | 8,277,467.8 | 6,394,806.3 | 9,074,364.2 | 971,631.4 | 1,731,311.4 | 787,838.2 | 6,795,132.7 | 0.0 | 0.0 | 0.0 | 0.0 | 34,032,552.1 | | Depositos de Ahorro | 15,186,070.8 | 12,565,840.1 | 13,136,654.8 | 6,119,583.6 | 1,811,119.2 | 1,152,409.4 | 50,331.3 | 0.0 | 0.0 | 0.0 | 0.0 | 50,022,009.1 | | Depositos a Plazo | 11,648,325.4 | 9,367,729.5 | 9,800,173.1 | 4,642,067.8 | 3,870,248.5 | 1,652,781.2 | 334,789.2 | 0.0 | 0.0 | 0.0 | 0.0 | 41,316,114.7 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 433,339.4 | 270,168.4 | 382,411.7 | 517,600.2 | 46,710.6 | 57,633.7 | 1,347.6 | 121,828.7 | 47,648.9 | 155,173.5 | 0.0 | 2,033,862.7 | | Cargos financieros por pagar sobre obligaciones con el Público | 254,867.0 | 187,840.9 | 170,567.8 | 130,543.8 | 61,282.8 | 21,162.7 | 5,177.8 | 796.9 | 145.8 | 690.5 | 0.0 | 833,075.8 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 8,846,465.9 | 11,734,931.3 | 7,539,226.5 | 7,708,197.4 | 3,626,548.5 | 911,474.1 | 11,151.4 | 1,665,689.3 | 1,171,515.1 | 1,514,660.0 | 2,902,229.9 | 47,632,089.5 | | Por Depósitos de Instituciones Financieras | 1,261,166.3 | 1,456,627.7 | 3,333,941.0 | 1,507,107.3 | 1,214,685.7 | 590,327.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,363,855.0 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 7,485,016.3 | 10,171,147.7 | 4,111,092.0 | 6,108,447.6 | 2,366,187.5 | 283,945.5 | 8,731.7 | 1,640,103.5 | 1,151,808.0 | 1,483,455.6 | 2,857,542.9 | 37,667,478.4 | | Préstamos de la Financiera Nicaraguense de Inversiones | 542,952.8 | 563,145.2 | 66,063.0 | 478,557.4 | 462,492.4 | 27,332.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,140,543.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 784,291.4 | 1,216,929.1 | 129,569.9 | 905,018.0 | 336,443.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,372,252.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 465,520.5 | 372,416.4 | 1,024,145.1 | 0.0 | 0.0 | 0.0 | 1,007,356.0 | 0.0 | 1,092,374.9 | 3,961,812.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 6,157,772.1 | 8,391,073.5 | 3,449,938.6 | 4,352,455.8 | 543,106.3 | 256,613.0 | 8,731.7 | 1,640,103.5 | 144,452.0 | 1,483,455.6 | 1,765,168.0 | 28,192,870.1 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 100,283.4 | 107,155.9 | 94,193.5 | 92,642.5 | 45,675.3 | 37,201.5 | 2,419.7 | 25,585.8 | 19,707.1 | 31,204.4 | 44,687.0 | 600,756.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 419,403.5 | 319,623.5 | 0.0 | 149,086.3 | 178,776.6 | 10,112.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,077,002.6 | | Operaciones con Reportos y Valores Derivados | 0.0 | 310,357.6 | 0.0 | 0.0 | 501,903.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 812,261.0 | | Otras cuentas por pagar | 204,296.5 | 251,754.9 | 333,173.9 | 43,840.1 | 150,708.0 | 55,593.9 | 30,639.7 | 13,008.7 | 69,512.4 | 14,978.8 | 58,481.0 | 1,225,987.9 | | Otros pasivos y provisiones | 595,788.6 | 760,235.5 | 684,019.1 | 209,606.7 | 210,991.1 | 97,428.8 | 28,226.2 | 68,773.8 | 53,265.5 | 21,732.9 | 56,373.6 | 2,786,441.7 | | Obligaciones subordinadas | 944,424.7 | 835,196.2 | 0.0 | 479,978.4 | 313,113.1 | 0.0 | 0.0 | 0.0 | 94,409.3 | 63,798.9 | 219,234.3 | 2,950,154.9 | | 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 | 16,033.2 | 0.0 | 16,033.2 | | Patrimonio | 7,563,971.7 | 7,158,116.2 | 8,264,882.0 | 2,333,491.6 | 1,600,100.5 | 807,955.9 | 623,289.6 | 520,058.3 | 322,120.4 | 301,706.2 | 528,760.1 | 30,024,452.6 | | 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 | 30,919.0 | 0.0 | 0.0 | 4.8 | 8,196.3 | 20,103.3 | 59,224.0 | | 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 | -110.0 | -6,571.9 | 743.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -5,938.5 | | Reservas patrimoniales | 1,428,602.1 | 1,246,868.3 | 1,499,001.9 | 439,595.8 | 293,711.2 | 64,437.6 | 14,532.2 | 39,993.8 | 12,565.2 | 4,859.2 | 8,063.9 | 5,052,231.2 | | Resultados acumulados de ejercicios anteriores | 2,355,761.8 | 2,013,914.1 | 3,701,343.2 | 762,242.4 | 408,206.5 | -294,273.3 | 77,886.2 | 121,345.6 | 68,911.0 | 28,245.3 | 31,052.0 | 9,274,634.8 | | Resultados del Periodo | 220,217.8 | 296,239.2 | 273,432.3 | 58,093.4 | 18,480.3 | 14,341.4 | 6,271.2 | 13,687.0 | 5,399.4 | 905.3 | 10,587.4 | 917,654.8 | | Cuentas contingentes | 22,205,732.8 | 11,807,513.9 | 9,893,029.5 | 1,633,571.7 | 7,384,763.4 | 104,672.7 | 130,251.6 | 0.0 | 281,677.4 | 0.0 | 0.0 | 53,441,212.9 | | Cuentas de orden | 101,735,578.5 | 47,860,349.5 | 272,674,108.6 | 55,795,991.1 | 14,709,079.8 | 14,017,599.8 | 77,059,055.5 | 2,985,662.8 | 3,397,342.1 | 2,389,500.5 | 2,949,242.3 | 595,573,510.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2017 C$ 29.5569 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 28 DE FEBRERO DE 2018 C$ 31.0347 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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