SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) Balance de Situación (Condensado) Al 31 de Marzo del 2018 (Expresado en miles de Córdobas)

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 73,303,608.0 61,635,034.4 59,063,476.8 25,466,580.3 14,760,337.7 6,352,586.1 12,610,586.3 2,383,475.4 1,782,752.4 2,102,048.5 3,918,932.2 263,379,418.0 Disponibilidades 15,378,794.1 10,067,612.5 16,198,187.1 3,978,673.8 2,241,342.1 1,280,792.2 5,963,824.0 217,602.2 221,423.1 303,031.5 582,927.4 56,434,210.0 Moneda Nacional 4,651,278.9 2,727,519.6 3,586,151.3 694,864.3 363,418.2 349,885.6 2,186,786.9 133,633.8 82,275.8 239,835.8 311,327.3 15,326,977.6 Caja 1,639,243.0 1,071,573.3 1,951,121.0 224,554.9 222,110.3 203,463.1 29,124.3 14,080.8 17,032.8 28,426.9 65,963.7 5,466,694.1 Banco Central de Nicaragua 2,837,310.0 1,503,940.4 1,438,918.1 421,593.9 120,224.3 141,110.9 2,155,792.2 66,420.2 749.7 100.0 0.0 8,686,159.9 Depositos e Instituciones Financieras del Pais  36,448.0 6,201.5 36,608.3 21,455.1 14,629.1 2,077.5 0.0 53,132.8 64,493.3 210,632.6 245,363.6 691,041.9 Otras disponibilidades 138,277.9 145,804.3 159,503.9 27,260.3 6,454.5 3,234.0 1,870.5 0.0 0.0 676.2 0.0 483,081.8                                                                                                                                                Moneda Extranjera 10,727,515.2 7,340,093.0 12,612,035.7 3,283,809.5 1,877,923.9 930,906.6 3,777,037.0 83,968.4 139,147.2 63,195.7 271,600.1 41,107,232.4 Caja 1,192,431.3 676,338.8 2,253,784.1 298,284.9 374,533.4 221,812.2 24,659.9 10,512.6 12,660.6 11,223.4 22,346.2 5,098,587.3 Banco Central de Nicaragua 5,800,013.1 4,436,220.4 5,794,196.6 2,117,125.1 1,063,498.9 661,565.2 3,558,018.5 13,161.2 7,934.3 24,930.9 0.0 23,476,664.2 Depositos e Instituciones Financieras del Pais  1\ 0.0 0.0 0.0 221,858.6 0.0 1,376.3 172,693.5 60,294.6 118,552.4 27,041.5 249,253.9 851,070.8 Depositos en Instituciones Financieras del exterior  3,714,284.4 1,925,888.2 4,483,425.4 579,601.8 311,022.9 41,613.5 4,131.5 0.0 0.0 0.0 0.0 11,059,967.7 Otras disponibilidades 20,786.5 301,645.5 80,629.6 66,939.1 128,868.6 4,539.3 17,533.7 0.0 0.0 0.0 0.0 620,942.3                                                                                                                                                Inversiones en valores, neto 9,925,877.7 11,528,535.9 1,692,222.7 1,250,156.1 1,448,564.0 0.0 4,611,341.5 312.3 0.0 0.0 46.0 30,457,056.1 Inversiones al Valor Razonable con Cambios en Resultados  0.0 0.0 0.0 0.0 509,971.3 0.0 0.0 0.0 0.0 0.0 0.0 509,971.3 Inversiones Disponibles para la Venta 2,949,022.7 8,532,313.1 1,692,222.7 494,821.6 938,592.7 0.0 0.0 0.0 0.0 0.0 0.0 14,606,972.8 Inversiones Mantenidas Hasta el Vencimiento 6,976,855.0 2,996,222.7 0.0 755,334.5 0.0 0.0 4,611,341.5 312.3 0.0 0.0 46.0 15,340,112.0                                                                                                                                                Operaciones con Reportos y  Valores Derivados 772,300.7 0.0 0.0 195,242.2 779,434.6 0.0 365,887.9 0.0 0.0 0.0 20,467.0 2,133,332.3                                                                                                                                                Cartera de Creditos, neta 44,705,354.3 37,373,102.5 40,146,688.5 19,520,614.7 9,861,441.1 4,696,785.2 1,569,225.5 2,006,618.9 1,485,980.4 1,705,899.7 3,199,550.3 166,271,261.0 Créditos vigentes  43,742,141.2 36,353,976.6 40,245,502.5 19,239,510.4 9,697,026.2 4,613,769.5 1,514,728.1 1,976,129.8 1,430,767.7 1,641,916.4 3,149,072.0 163,604,540.4 Créditos prorrogados 34,628.3 8,418.0 2,804.7 1,556.7 0.0 0.0 0.0 0.0 5,632.5 0.0 0.0 53,040.2 Créditos reestructurados 949,916.3 895,652.6 167,085.3 317,280.5 165,752.8 103,975.2 251.8 36,789.9 24,757.2 3,122.4 947.0 2,665,530.9 Créditos vencidos 215,133.0 323,516.0 201,121.0 158,035.5 141,245.4 39,375.4 48,082.2 29,109.9 21,463.5 72,575.7 40,558.7 1,290,216.4 Créditos en cobro judicial 119,005.2 110,091.6 262,691.3 67,856.5 1,389.9 8,935.6 0.0 28.3 9,652.2 0.0 0.0 579,650.5 Intereses y Comisiones por Cobrar sobre Creditos 604,341.7 567,395.3 356,462.7 178,689.6 188,212.6 82,462.5 34,792.7 40,741.0 46,222.9 93,654.7 116,917.1 2,309,892.8 Provisiones por incobrabilidad de cartera de creditos  -959,811.5 -885,947.5 -1,088,979.0 -442,314.5 -332,185.8 -151,733.1 -28,629.4 -76,180.0 -52,515.6 -105,369.5 -107,944.4 -4,231,610.2                                                                                                                                                Otras cuentas por cobrar, neto 105,559.6 355,048.1 110,411.2 121,302.7 61,954.8 33,316.0 8,283.8 25,858.0 1,220.5 5,353.2 9,918.7 838,226.5 Bienes de uso, neto  1,278,629.3 575,871.5 717,043.0 154,343.4 138,331.5 240,108.7 25,002.8 50,625.3 43,726.4 46,385.0 42,349.7 3,312,416.6 Bienes recibidos en recuperacion de creditos, neto 89,301.1 182,812.3 11,721.7 31,355.2 573.5 387.8 7,830.9 6,349.7 4,003.5 667.1 0.0 335,002.8 Invesiones permanentes en acciones  224,081.2 1,158,972.6 70,415.9 27,443.5 6,750.0 6,750.0 0.0 0.0 0.0 0.0 0.0 1,494,413.2 Otros activos neto 823,709.8 393,079.1 116,786.8 187,448.8 221,946.2 94,446.2 59,190.1 76,108.9 26,398.6 40,711.9 63,673.0 2,103,499.4 Pasivo 65,620,617.1 54,329,150.5 50,679,603.8 23,101,085.8 13,149,979.4 5,499,691.2 11,993,381.0 1,857,153.0 1,449,392.9 1,823,747.6 3,388,937.2 232,892,739.5 Obligaciones con el Público 54,505,690.1 39,453,131.1 40,533,262.1 14,450,572.7 8,254,440.0 4,382,623.5 11,940,622.9 123,075.6 52,148.7 156,237.6 0.0 173,851,804.4 Moneda Nacional 19,186,067.2 10,259,377.4 8,115,503.5 2,232,621.0 665,793.2 596,763.8 4,042,879.4 0.0 0.0 0.0 0.0 45,099,005.5 Depositos a la Vista 10,325,053.4 5,879,805.0 4,964,446.8 439,355.1 376,176.8 278,775.9 2,903,078.9 0.0 0.0 0.0 0.0 25,166,691.9 Depositos de Ahorro 7,540,697.2 3,878,468.8 2,726,514.5 1,639,320.7 256,413.0 272,658.1 1,128,112.0 0.0 0.0 0.0 0.0 17,442,184.4 Depositos a Plazo 1,320,316.6 501,103.5 424,542.2 153,945.2 33,203.5 45,329.8 11,688.5 0.0 0.0 0.0 0.0 2,490,129.2 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 34,691,245.0 28,779,181.8 31,910,341.6 11,734,636.7 7,469,617.6 3,676,243.8 7,873,225.7 0.0 0.0 0.0 0.0 126,134,492.1 Depositos a la Vista 7,888,595.5 6,402,204.4 8,676,186.2 880,998.4 1,722,541.7 745,311.6 7,394,792.8 0.0 0.0 0.0 0.0 33,710,630.5 Depositos de Ahorro 15,048,914.5 12,705,588.0 13,522,330.9 6,173,857.1 1,813,910.8 1,171,215.9 52,122.7 0.0 0.0 0.0 0.0 50,487,939.9 Depositos a Plazo 11,753,735.0 9,671,389.4 9,711,824.6 4,679,781.3 3,933,165.0 1,759,716.2 426,310.1 0.0 0.0 0.0 0.0 41,935,921.7 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 354,268.9 220,424.8 334,259.5 348,062.6 54,000.6 86,183.7 17,672.1 122,450.9 51,722.0 155,818.0 0.0 1,744,863.0 Cargos financieros por pagar sobre obligaciones con el Público 274,109.1 194,147.1 173,157.5 135,252.4 65,028.7 23,432.2 6,845.7 624.6 426.8 419.6 0.0 873,443.7                                                                                                                                                Obligaciones con Instituciones financieras y por otros financiamientos 8,849,820.1 12,704,339.0 8,415,987.4 7,725,200.4 3,435,616.1 945,758.7 11,256.2 1,652,922.9 1,188,873.0 1,548,419.4 3,075,713.6 49,553,906.7 Por Depósitos de Instituciones Financieras 1,285,250.4 1,476,842.9 4,401,416.0 1,496,410.3 1,186,418.3 613,135.0 0.0 0.0 0.0 0.0 0.0 10,459,472.9 Por Préstamos con Instituciones Financieras y por Otros Financiamientos 7,440,279.7 11,122,126.3 3,899,064.2 6,119,977.6 2,189,033.7 298,869.1 8,768.0 1,621,772.5 1,168,434.8 1,519,413.6 3,023,043.9 38,410,783.3 Préstamos de la Financiera Nicaraguense de Inversiones 544,304.0 560,715.8 65,653.9 472,979.7 464,413.3 41,951.2 0.0 0.0 0.0 0.0 0.0 2,150,017.9 Préstamos del Banco Centroaméricano de Integración Económica 782,665.1 1,205,197.2 128,160.3 858,896.3 337,841.1 0.0 0.0 0.0 0.0 0.0 0.0 3,312,760.1 Préstamos de Otras Instituciones Financieras del Exterior 0.0 0.0 467,454.0 373,963.2 1,028,398.8 0.0 0.0 0.0 1,020,977.0 0.0 1,258,573.1 4,149,366.2 Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. 6,113,310.6 9,356,213.2 3,237,796.0 4,414,138.3 358,380.5 256,917.9 8,768.0 1,621,772.5 147,457.8 1,519,413.6 1,764,470.7 28,798,639.1 Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos 124,289.9 105,369.8 115,507.2 108,812.5 60,164.1 33,754.7 2,488.2 31,150.5 20,438.1 29,005.8 52,669.7 683,650.5                                                                                                                                                Obligaciones con el Banco Central de Nicaragua 423,464.8 320,183.8 0.0 149,476.3 180,393.2 10,199.5 0.0 0.0 0.0 0.0 0.0 1,083,717.5 Operaciones con Reportos y Valores Derivados 0.0 0.0 748,170.6 0.0 575,212.5 0.0 0.0 0.0 0.0 0.0 0.0 1,323,383.1 Otras cuentas por pagar  218,521.2 279,763.0 276,540.7 49,010.8 168,310.0 61,538.7 11,762.8 15,186.7 70,868.5 16,327.7 31,181.0 1,199,011.1 Otros pasivos y provisiones 666,811.5 728,838.3 705,642.9 241,519.9 219,061.5 99,570.9 29,739.2 65,967.9 41,866.5 22,894.8 60,798.4 2,882,711.7 Obligaciones subordinadas  956,309.4 842,895.3 0.0 485,305.7 316,946.2 0.0 0.0 0.0 95,636.1 64,710.6 221,244.3 2,983,047.6 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 15,157.4 0.0 15,157.4 Patrimonio 7,682,990.9 7,305,883.8 8,383,873.0 2,365,494.5 1,610,358.3 852,894.8 617,205.3 526,322.3 333,359.6 278,300.9 529,995.0 30,486,678.5 Capital social pagado 3,559,500.0 3,607,666.0 2,855,000.0 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 14,791,285.2 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 69,852.7 0.0 0.0 4.8 8,196.3 20,103.3 98,157.6 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 -2,523.7 -6,612.0 650.1 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -8,485.6 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 13,777.9 5,574.3 8,063.9 5,054,159.1 Resultados acumulados de ejercicios anteriores 2,355,761.8 2,013,914.1 3,636,704.3 762,242.4 408,206.5 -294,273.3 77,886.2 121,345.6 75,783.3 25,235.7 31,052.0 9,213,858.6 Resultados del Periodo 341,650.7 444,046.9 392,516.7 90,096.3 28,738.1 20,346.7 186.9 19,951.0 8,553.5 -20,205.5 11,822.3 1,337,703.6 Cuentas contingentes 21,575,504.7 12,482,110.7 9,274,548.2 1,647,227.6 7,423,672.9 104,669.6 145,917.2 0.0 282,111.5 0.0 0.0 52,935,762.4 Cuentas de orden 103,135,766.4 49,090,466.9 279,770,334.8 57,338,926.4 15,598,752.2 14,286,246.1 77,981,500.6 2,968,757.1 3,396,208.5 2,389,946.1 2,975,136.5 608,932,041.6 La informacion de este Estado Financiero no ha sido auditada TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2017 C$ 29.6796 X US$ 1.00 TIPO DE CAMBIO OFICIAL AL 31 DE MARZO DE 2018 C$ 31.1636 X US$ 1.00 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”