| 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 | 70,859,168.3 | 62,760,037.9 | 57,432,813.8 | 25,448,215.0 | 15,463,183.4 | 6,484,763.0 | 12,891,074.4 | 2,534,055.0 | 1,820,365.4 | 2,022,757.7 | 3,848,019.0 | 261,564,453.0 | | Disponibilidades | 14,001,967.1 | 10,507,699.0 | 13,909,220.6 | 3,924,289.3 | 2,753,233.4 | 1,353,774.4 | 5,886,955.1 | 223,084.7 | 271,861.3 | 252,901.9 | 508,011.1 | 53,592,997.8 | | Moneda Nacional | 4,794,624.7 | 2,963,308.6 | 3,795,710.8 | 873,806.9 | 392,182.4 | 375,900.9 | 2,010,021.1 | 97,988.9 | 101,023.8 | 162,780.8 | 346,283.9 | 15,913,632.9 | | Caja | 1,547,926.0 | 902,543.0 | 2,185,723.5 | 245,829.7 | 193,106.3 | 166,327.0 | 30,331.6 | 16,584.6 | 20,282.6 | 26,913.7 | 64,606.1 | 5,400,174.1 | | Banco Central de Nicaragua | 3,054,843.9 | 1,879,831.3 | 1,361,335.8 | 546,598.8 | 171,662.2 | 188,437.5 | 1,787,102.2 | 36,120.2 | 41,749.6 | 100.0 | 0.0 | 9,067,781.4 | | Depositos e Instituciones Financieras del Pais | 18,217.5 | 3,197.7 | 38,208.5 | 26,543.9 | 10,968.8 | 2,454.1 | 0.0 | 45,284.1 | 38,991.7 | 134,920.0 | 281,677.9 | 600,464.2 | | Otras disponibilidades | 173,637.4 | 177,736.6 | 210,443.0 | 54,834.6 | 16,445.1 | 18,682.2 | 192,587.2 | 0.0 | 0.0 | 847.1 | 0.0 | 845,213.3 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,207,342.4 | 7,544,390.4 | 10,113,509.8 | 3,050,482.3 | 2,361,051.0 | 977,873.5 | 3,876,934.0 | 125,095.8 | 170,837.4 | 90,121.1 | 161,727.1 | 37,679,364.9 | | Caja | 1,032,139.3 | 407,341.8 | 2,011,888.3 | 210,246.9 | 242,756.0 | 184,539.4 | 20,961.1 | 9,343.7 | 8,984.6 | 7,171.3 | 27,311.2 | 4,162,683.6 | | Banco Central de Nicaragua | 5,257,172.0 | 4,817,896.8 | 6,081,501.6 | 2,040,569.6 | 1,200,222.5 | 639,068.3 | 3,651,978.1 | 33,339.7 | 38,003.4 | 25,031.0 | 0.0 | 23,784,783.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 66,320.6 | 0.0 | 2,170.7 | 157,031.5 | 82,412.4 | 123,849.4 | 57,918.7 | 134,415.9 | 624,119.2 | | Depositos en Instituciones Financieras del exterior | 2,873,556.9 | 1,967,812.8 | 1,910,120.9 | 661,399.2 | 781,748.2 | 142,485.7 | 20,140.9 | 0.0 | 0.0 | 0.0 | 0.0 | 8,357,264.6 | | Otras disponibilidades | 44,474.2 | 351,339.0 | 109,999.1 | 71,946.0 | 136,324.3 | 9,609.5 | 26,822.4 | 0.0 | 0.0 | 0.0 | 0.0 | 750,514.5 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 8,799,765.1 | 11,353,795.9 | 1,846,206.7 | 1,558,046.5 | 1,198,264.3 | 0.0 | 4,661,410.7 | 134,547.0 | 0.0 | 0.0 | 46.3 | 29,552,082.6 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 513,704.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 513,704.7 | | Inversiones Disponibles para la Venta | 1,847,862.5 | 7,949,491.8 | 1,846,206.7 | 802,297.5 | 684,559.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,130,418.0 | | Inversiones Mantenidas Hasta el Vencimiento | 6,951,902.7 | 3,404,304.1 | 0.0 | 755,749.0 | 0.0 | 0.0 | 4,661,410.7 | 134,547.0 | 0.0 | 0.0 | 46.3 | 15,907,959.9 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 100,116.7 | 0.0 | 0.0 | 0.0 | 994,101.5 | 20,628.8 | 665,797.8 | 43,435.6 | 0.0 | 0.0 | 0.0 | 1,824,080.5 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 45,424,663.0 | 38,062,134.3 | 40,637,415.3 | 19,433,622.8 | 10,053,338.5 | 4,720,557.0 | 1,581,433.9 | 1,971,984.1 | 1,473,892.8 | 1,671,963.8 | 3,219,877.4 | 168,250,882.9 | | Créditos vigentes | 44,431,594.6 | 37,052,584.8 | 40,698,123.6 | 19,131,538.3 | 9,878,879.2 | 4,644,652.4 | 1,515,794.9 | 1,943,792.4 | 1,419,453.8 | 1,607,175.2 | 3,174,189.2 | 165,497,778.2 | | Créditos prorrogados | 10,187.8 | 9,188.1 | 13,332.0 | 645.3 | 0.0 | 0.0 | 0.0 | 0.0 | 5,862.2 | 0.0 | 0.0 | 39,215.4 | | Créditos reestructurados | 950,736.6 | 887,446.0 | 189,216.4 | 320,879.1 | 181,633.7 | 101,420.2 | 38,393.9 | 37,945.6 | 25,155.8 | 9,660.3 | 2,148.2 | 2,744,635.9 | | Créditos vencidos | 254,459.4 | 311,703.0 | 220,614.4 | 184,720.6 | 140,854.0 | 44,352.9 | 18,018.1 | 29,804.1 | 25,276.2 | 92,976.5 | 53,052.5 | 1,375,831.6 | | Créditos en cobro judicial | 114,681.1 | 133,101.4 | 265,189.2 | 72,872.1 | 1,395.4 | 10,837.0 | 0.0 | 28.5 | 9,426.0 | 0.0 | 0.0 | 607,530.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 649,422.6 | 581,621.3 | 351,621.1 | 175,482.3 | 195,065.2 | 77,138.0 | 37,785.5 | 38,396.6 | 43,899.9 | 84,723.9 | 113,541.8 | 2,348,698.2 | | Provisiones por incobrabilidad de cartera de creditos | -986,419.1 | -913,510.3 | -1,100,681.5 | -452,514.9 | -344,489.1 | -157,843.5 | -28,558.5 | -77,983.0 | -55,181.0 | -122,572.2 | -123,054.3 | -4,362,807.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 174,527.4 | 422,242.1 | 106,539.2 | 137,840.6 | 64,182.3 | 58,728.4 | 8,599.7 | 30,279.6 | 1,511.8 | 5,080.5 | 10,452.0 | 1,019,983.7 | | Bienes de uso, neto | 1,711,437.3 | 574,138.3 | 716,666.4 | 152,456.0 | 142,753.7 | 233,555.0 | 23,455.8 | 50,765.3 | 42,972.4 | 47,064.7 | 41,571.1 | 3,736,836.0 | | Bienes recibidos en recuperacion de creditos, neto | 75,447.5 | 177,448.3 | 11,526.5 | 31,141.1 | 573.5 | 387.8 | 6,508.9 | 6,024.0 | 4,003.5 | 2,241.9 | 0.0 | 315,302.9 | | Invesiones permanentes en acciones | 224,081.2 | 1,184,146.1 | 70,521.2 | 27,200.4 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,519,888.0 | | Otros activos neto | 347,162.9 | 478,433.9 | 134,718.0 | 183,618.3 | 249,547.2 | 90,381.5 | 56,912.6 | 73,934.7 | 26,123.7 | 43,504.9 | 68,061.0 | 1,752,398.5 | | Pasivo | 63,062,040.0 | 55,482,534.5 | 48,902,176.2 | 23,055,502.7 | 13,842,560.2 | 5,580,246.2 | 12,271,227.9 | 2,002,995.2 | 1,492,261.3 | 1,773,386.2 | 3,324,341.2 | 230,789,271.7 | | Obligaciones con el Público | 52,422,480.3 | 39,139,941.3 | 39,668,032.0 | 14,503,003.1 | 7,928,609.1 | 4,429,593.3 | 12,207,638.2 | 124,298.3 | 52,633.3 | 157,200.5 | 0.0 | 170,633,429.3 | | Moneda Nacional | 17,423,675.1 | 10,075,533.1 | 7,830,899.6 | 2,215,244.8 | 669,399.6 | 614,407.1 | 4,084,435.3 | 0.0 | 0.0 | 0.0 | 0.0 | 42,913,594.7 | | Depositos a la Vista | 8,783,357.3 | 5,703,671.0 | 4,778,166.5 | 372,099.6 | 424,921.8 | 286,967.9 | 2,948,891.3 | 0.0 | 0.0 | 0.0 | 0.0 | 23,298,075.3 | | Depositos de Ahorro | 7,258,408.5 | 3,871,136.0 | 2,603,368.0 | 1,685,211.6 | 211,052.5 | 280,478.6 | 1,125,293.4 | 0.0 | 0.0 | 0.0 | 0.0 | 17,034,948.5 | | Depositos a Plazo | 1,381,909.3 | 500,726.1 | 449,365.1 | 157,933.6 | 33,425.4 | 46,960.7 | 10,250.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,580,570.9 | | 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 | 34,343,091.0 | 28,408,464.2 | 31,138,443.2 | 11,801,327.1 | 7,169,119.5 | 3,719,944.9 | 8,066,815.4 | 0.0 | 0.0 | 0.0 | 0.0 | 124,647,205.3 | | Depositos a la Vista | 7,828,503.1 | 6,219,759.6 | 8,509,434.1 | 895,711.7 | 1,790,805.5 | 772,283.5 | 7,572,908.5 | 0.0 | 0.0 | 0.0 | 0.0 | 33,589,405.9 | | Depositos de Ahorro | 14,808,773.1 | 12,514,426.8 | 13,041,577.8 | 6,199,652.8 | 1,787,556.6 | 1,146,771.5 | 65,852.8 | 0.0 | 0.0 | 0.0 | 0.0 | 49,564,611.3 | | Depositos a Plazo | 11,705,814.9 | 9,674,277.8 | 9,587,431.3 | 4,705,962.6 | 3,590,757.4 | 1,800,889.9 | 428,054.1 | 0.0 | 0.0 | 0.0 | 0.0 | 41,493,188.0 | | 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 | 367,860.5 | 458,811.4 | 522,840.2 | 347,747.0 | 28,084.9 | 69,959.5 | 47,757.6 | 123,038.4 | 51,940.7 | 156,444.0 | 0.0 | 2,174,484.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 287,853.7 | 197,132.6 | 175,848.9 | 138,684.3 | 62,005.0 | 25,281.8 | 8,629.9 | 1,259.9 | 692.6 | 756.5 | 0.0 | 898,145.1 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 8,384,926.9 | 13,116,181.4 | 8,290,814.0 | 7,660,669.1 | 4,254,957.6 | 979,248.6 | 11,360.1 | 1,798,418.0 | 1,227,943.6 | 1,497,980.8 | 3,009,227.9 | 50,231,727.8 | | Por Depósitos de Instituciones Financieras | 1,500,761.7 | 1,608,663.3 | 4,186,951.1 | 1,451,680.4 | 1,410,393.6 | 644,069.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,802,519.1 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 6,759,235.0 | 11,395,536.4 | 4,020,568.4 | 6,099,362.4 | 2,778,702.5 | 299,507.2 | 8,803.2 | 1,764,267.4 | 1,213,647.7 | 1,470,452.6 | 2,956,389.9 | 38,766,472.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 545,588.3 | 555,211.2 | 65,007.2 | 463,253.6 | 463,128.3 | 25,912.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,118,101.3 | | Préstamos del Banco Centroaméricano de Integración Económica | 727,254.7 | 1,193,127.7 | 128,675.2 | 801,674.8 | 328,836.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,179,568.7 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 469,332.0 | 375,465.6 | 1,032,530.4 | 0.0 | 0.0 | 0.0 | 1,068,003.4 | 0.0 | 1,225,300.7 | 4,170,632.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 5,486,391.9 | 9,647,197.4 | 3,357,554.0 | 4,458,968.5 | 954,207.5 | 273,594.5 | 8,803.2 | 1,764,267.4 | 145,644.3 | 1,470,452.6 | 1,731,089.2 | 29,298,170.4 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 124,930.2 | 111,981.8 | 83,294.5 | 109,626.3 | 65,861.4 | 35,672.4 | 2,556.9 | 34,150.6 | 14,295.9 | 27,528.2 | 52,838.0 | 662,736.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 474,171.3 | 277,300.2 | 0.0 | 151,213.9 | 180,658.0 | 10,226.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,093,570.3 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 767,584.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 767,584.8 | | Otras cuentas por pagar | 237,094.6 | 296,915.6 | 243,110.5 | 48,382.0 | 188,982.0 | 64,885.1 | 5,365.9 | 13,931.9 | 71,682.6 | 13,653.5 | 33,109.6 | 1,217,113.3 | | Otros pasivos y provisiones | 575,479.2 | 781,491.9 | 700,219.7 | 221,217.6 | 201,088.5 | 96,292.4 | 46,863.8 | 66,347.0 | 44,847.6 | 24,188.6 | 61,956.6 | 2,819,993.1 | | Obligaciones subordinadas | 967,887.6 | 1,870,704.1 | 0.0 | 471,017.0 | 320,680.2 | 0.0 | 0.0 | 0.0 | 95,154.1 | 65,598.9 | 220,047.2 | 4,011,089.2 | | 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 | 14,763.9 | 0.0 | 14,763.9 | | Patrimonio | 7,797,128.3 | 7,277,503.4 | 8,530,637.6 | 2,392,712.3 | 1,620,623.2 | 904,516.8 | 619,846.5 | 531,059.8 | 328,104.1 | 249,371.5 | 523,677.8 | 30,775,181.3 | | 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 | 369,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 115,064.1 | 0.0 | 0.0 | 4.8 | 8,196.3 | 20,103.3 | 512,369.1 | | 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 | -114.4 | -4,130.5 | 476.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -3,768.8 | | Reservas patrimoniales | 1,428,602.1 | 1,480,235.0 | 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 | 5,287,525.8 | | Resultados acumulados de ejercicios anteriores | 1,986,761.8 | 1,630,547.4 | 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 | 8,461,491.9 | | Resultados del Periodo | 453,378.8 | 563,185.0 | 539,455.4 | 117,314.0 | 39,003.0 | 26,757.2 | 2,828.1 | 24,688.4 | 3,298.0 | -49,134.8 | 5,505.1 | 1,726,278.2 | | Cuentas contingentes | 21,089,655.6 | 12,794,179.6 | 9,598,281.1 | 1,664,152.7 | 7,450,556.0 | 119,968.9 | 169,171.4 | 0.0 | 293,434.0 | 0.0 | 0.0 | 53,179,399.4 | | Cuentas de orden | 103,941,438.3 | 47,460,381.4 | 286,329,703.9 | 57,448,180.6 | 16,022,325.2 | 14,469,340.5 | 78,894,456.7 | 2,932,359.8 | 3,414,934.9 | 2,408,672.6 | 3,041,742.1 | 616,363,535.9 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2017 C$ 29.7989 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2018 C$ 31.2888 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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