| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 70,808,482.6 | 62,124,641.4 | 57,390,603.8 | 25,044,174.5 | 15,015,666.0 | 6,676,529.0 | 12,597,743.8 | 2,393,340.2 | 1,857,049.4 | 1,899,008.6 | 3,701,517.1 | 259,508,756.3 | | Disponibilidades | 14,763,082.8 | 10,850,147.8 | 14,791,367.2 | 4,010,676.0 | 2,337,093.1 | 1,690,615.7 | 5,517,369.1 | 177,935.1 | 330,116.7 | 154,256.1 | 435,097.5 | 55,057,757.0 | | Moneda Nacional | 5,774,645.0 | 2,804,245.9 | 3,272,105.9 | 1,083,268.3 | 347,290.7 | 305,266.7 | 1,770,948.9 | 111,765.1 | 116,425.2 | 85,597.0 | 310,452.4 | 15,982,011.3 | | Caja | 1,871,415.9 | 1,109,226.3 | 2,066,445.6 | 304,783.1 | 233,929.3 | 162,883.1 | 17,261.8 | 14,826.1 | 19,642.6 | 38,331.2 | 74,078.0 | 5,912,822.9 | | Banco Central de Nicaragua | 3,793,362.8 | 1,625,975.3 | 1,059,458.9 | 639,088.6 | 105,770.0 | 138,367.8 | 1,753,636.5 | 66,320.0 | 52,649.4 | 100.0 | 0.0 | 9,234,729.4 | | Depositos e Instituciones Financieras del Pais | 23,649.7 | 1,886.1 | 39,968.5 | 34,011.8 | 5,253.2 | 2,128.2 | 0.0 | 30,619.0 | 44,133.2 | 46,325.1 | 236,374.4 | 464,349.2 | | Otras disponibilidades | 86,216.6 | 67,158.3 | 106,232.9 | 105,384.8 | 2,338.2 | 1,887.7 | 50.6 | 0.0 | 0.0 | 840.7 | 0.0 | 370,109.7 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,988,437.8 | 8,045,901.9 | 11,519,261.3 | 2,927,407.7 | 1,989,802.3 | 1,385,348.9 | 3,746,420.2 | 66,170.0 | 213,691.5 | 68,659.1 | 124,645.1 | 39,075,745.7 | | Caja | 955,629.2 | 410,272.7 | 1,533,835.5 | 217,895.2 | 221,680.1 | 146,409.0 | 30,593.1 | 9,664.9 | 9,175.7 | 11,261.3 | 35,950.2 | 3,582,366.9 | | Banco Central de Nicaragua | 4,817,687.9 | 4,632,512.2 | 7,437,766.6 | 2,014,914.1 | 932,539.8 | 763,243.4 | 3,411,385.3 | 25,309.3 | 90,423.0 | 25,135.0 | 0.0 | 24,150,916.6 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 224,758.2 | 0.0 | 1,203.5 | 158,105.3 | 31,195.8 | 114,092.7 | 32,262.8 | 88,694.9 | 650,313.2 | | Depositos en Instituciones Financieras del exterior | 3,159,182.7 | 2,698,624.5 | 2,465,258.7 | 401,712.1 | 705,641.8 | 460,796.4 | 5,094.5 | 0.0 | 0.0 | 0.0 | 0.0 | 9,896,310.7 | | Otras disponibilidades | 55,938.0 | 304,492.4 | 82,400.5 | 68,128.1 | 129,940.8 | 13,696.6 | 141,241.9 | 0.0 | 0.0 | 0.0 | 0.0 | 795,838.3 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 6,774,040.7 | 10,436,901.8 | 1,315,871.1 | 1,260,647.3 | 1,274,738.2 | 0.0 | 4,775,742.3 | 95,113.3 | 0.0 | 0.0 | 46.7 | 25,933,101.4 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 366,448.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 366,448.1 | | Inversiones Disponibles para la Venta | 163,317.3 | 7,285,531.9 | 1,315,871.1 | 497,760.4 | 908,290.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,170,770.9 | | Inversiones Mantenidas Hasta el Vencimiento | 6,610,723.4 | 3,151,369.9 | 0.0 | 762,886.9 | 0.0 | 0.0 | 4,775,742.3 | 95,113.3 | 0.0 | 0.0 | 46.7 | 15,395,882.4 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 1,698,613.6 | 548,793.6 | 0.0 | 0.0 | 886,485.1 | 0.0 | 590,664.3 | 5,715.7 | 0.0 | 0.0 | 0.0 | 3,730,272.3 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 45,081,782.7 | 37,533,433.8 | 40,210,789.2 | 19,228,738.1 | 10,092,508.5 | 4,618,695.5 | 1,619,901.3 | 1,947,306.9 | 1,446,678.9 | 1,650,350.5 | 3,148,155.6 | 166,578,341.0 | | Créditos vigentes | 44,027,870.7 | 36,469,782.9 | 40,228,514.3 | 18,923,380.9 | 9,888,496.7 | 4,540,714.3 | 1,558,481.8 | 1,915,460.3 | 1,386,339.9 | 1,578,798.7 | 3,079,319.7 | 163,597,160.1 | | Créditos prorrogados | 53,330.4 | 9,723.0 | 12,184.0 | 648.0 | 0.0 | 2,151.5 | 0.0 | 0.0 | 11,630.7 | 0.0 | 0.0 | 89,667.7 | | Créditos reestructurados | 958,392.8 | 885,578.0 | 191,931.0 | 316,501.1 | 196,442.9 | 104,101.9 | 38,553.3 | 40,048.6 | 26,458.2 | 17,011.6 | 17,161.6 | 2,792,180.9 | | Créditos vencidos | 269,900.3 | 378,114.6 | 221,097.3 | 194,580.1 | 170,500.9 | 48,728.9 | 21,757.7 | 34,217.0 | 31,272.3 | 98,402.6 | 72,853.3 | 1,541,425.0 | | Créditos en cobro judicial | 124,538.1 | 140,291.1 | 281,066.3 | 76,258.9 | 1,401.2 | 15,239.8 | 0.0 | 28.6 | 9,250.5 | 0.0 | 0.0 | 648,074.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 680,132.3 | 622,121.7 | 377,909.1 | 183,029.5 | 203,216.2 | 73,423.0 | 31,585.9 | 42,293.1 | 45,034.7 | 91,042.7 | 125,703.8 | 2,475,492.1 | | Provisiones por incobrabilidad de cartera de creditos | -1,032,381.9 | -972,177.4 | -1,101,912.9 | -465,660.4 | -367,549.4 | -165,663.9 | -30,477.5 | -84,740.6 | -63,307.5 | -134,905.1 | -146,882.8 | -4,565,659.3 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 163,201.0 | 372,401.5 | 107,182.1 | 150,273.1 | 32,658.5 | 31,744.7 | 12,171.3 | 36,661.0 | 1,565.4 | 4,437.1 | 11,887.3 | 924,183.1 | | Bienes de uso, neto | 1,717,805.1 | 568,208.6 | 711,480.2 | 151,712.6 | 141,598.8 | 230,920.2 | 21,795.7 | 49,810.2 | 42,286.7 | 46,752.6 | 40,474.1 | 3,722,844.8 | | Bienes recibidos en recuperacion de creditos, neto | 74,604.8 | 173,947.9 | 11,655.7 | 32,355.0 | 573.5 | 387.8 | 5,593.5 | 6,166.9 | 6,111.8 | 2,229.2 | 0.0 | 313,626.2 | | Invesiones permanentes en acciones | 224,081.2 | 1,211,473.3 | 70,568.6 | 27,376.6 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,547,438.7 | | Otros activos neto | 311,270.6 | 429,333.1 | 171,689.9 | 182,395.8 | 242,821.3 | 97,415.1 | 54,506.3 | 74,631.0 | 30,289.8 | 40,983.0 | 65,855.8 | 1,701,191.8 | | Pasivo | 62,898,687.4 | 54,758,249.6 | 48,712,003.2 | 22,625,634.6 | 13,394,564.0 | 5,767,866.1 | 11,969,097.1 | 1,859,918.5 | 1,541,036.1 | 1,663,794.3 | 3,186,691.3 | 228,377,542.1 | | Obligaciones con el Público | 50,339,881.7 | 36,489,044.1 | 36,669,298.8 | 13,671,715.7 | 7,239,729.4 | 4,319,103.8 | 11,910,772.5 | 116,916.1 | 41,611.0 | 157,516.0 | 0.0 | 160,955,589.0 | | Moneda Nacional | 16,524,372.8 | 8,991,227.2 | 7,242,518.8 | 2,030,950.7 | 681,210.6 | 573,191.4 | 3,953,700.4 | 0.0 | 0.0 | 0.0 | 0.0 | 39,997,172.0 | | Depositos a la Vista | 8,621,349.1 | 4,963,957.2 | 4,424,441.9 | 373,862.8 | 443,907.0 | 269,190.1 | 2,812,593.6 | 0.0 | 0.0 | 0.0 | 0.0 | 21,909,301.6 | | Depositos de Ahorro | 6,551,747.1 | 3,547,924.9 | 2,323,723.3 | 1,496,011.8 | 209,110.2 | 257,236.9 | 1,127,212.3 | 0.0 | 0.0 | 0.0 | 0.0 | 15,512,966.5 | | Depositos a Plazo | 1,351,276.7 | 479,345.1 | 494,353.6 | 161,076.0 | 28,193.4 | 46,764.4 | 13,894.6 | 0.0 | 0.0 | 0.0 | 0.0 | 2,574,903.9 | | 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 | 33,138,797.4 | 27,052,959.1 | 28,712,833.9 | 11,167,379.7 | 6,471,291.5 | 3,654,265.4 | 7,789,881.1 | 0.0 | 0.0 | 0.0 | 0.0 | 117,987,408.0 | | Depositos a la Vista | 7,912,323.7 | 6,229,030.8 | 7,693,457.5 | 740,354.7 | 1,586,836.6 | 808,446.6 | 7,286,134.7 | 0.0 | 0.0 | 0.0 | 0.0 | 32,256,584.7 | | Depositos de Ahorro | 13,614,753.0 | 11,650,851.1 | 11,866,629.4 | 5,676,062.6 | 1,632,213.4 | 1,039,271.6 | 78,216.3 | 0.0 | 0.0 | 0.0 | 0.0 | 45,557,997.5 | | Depositos a Plazo | 11,611,720.7 | 9,173,077.1 | 9,152,747.0 | 4,750,962.3 | 3,252,241.6 | 1,806,547.1 | 425,530.1 | 0.0 | 0.0 | 0.0 | 0.0 | 40,172,825.9 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 382,587.0 | 249,698.5 | 532,193.2 | 326,513.7 | 30,965.5 | 65,089.4 | 156,810.1 | 116,084.7 | 41,485.0 | 157,093.5 | 0.0 | 2,058,520.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 294,124.4 | 195,159.3 | 181,752.9 | 146,871.7 | 56,261.7 | 26,557.6 | 10,380.9 | 831.4 | 126.0 | 422.5 | 0.0 | 912,488.3 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 8,915,284.2 | 14,670,675.5 | 11,128,754.1 | 7,943,911.3 | 4,634,242.8 | 1,290,564.7 | 11,466.2 | 1,664,502.6 | 1,277,123.7 | 1,388,273.3 | 2,858,684.0 | 55,783,482.4 | | Por Depósitos de Instituciones Financieras | 1,245,933.1 | 1,598,391.8 | 5,788,141.4 | 1,451,250.9 | 1,615,764.2 | 642,980.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,342,461.7 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 7,532,424.8 | 12,954,765.8 | 5,227,029.8 | 6,385,907.2 | 2,943,505.3 | 614,410.1 | 8,839.8 | 1,625,040.0 | 1,262,340.6 | 1,364,445.4 | 2,814,387.9 | 42,733,096.5 | | Préstamos de la Financiera Nicaraguense de Inversiones | 536,737.6 | 549,192.2 | 62,035.8 | 462,275.6 | 465,051.0 | 25,492.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,100,785.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 1,035,188.0 | 1,815,990.2 | 125,674.8 | 794,404.6 | 483,367.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,254,625.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 471,280.5 | 377,024.4 | 1,036,817.1 | 0.0 | 0.0 | 0.0 | 1,123,495.3 | 0.0 | 1,041,875.5 | 4,050,492.8 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 5,960,499.1 | 10,589,583.4 | 4,568,038.7 | 4,752,202.5 | 958,269.4 | 588,917.3 | 8,839.8 | 1,625,040.0 | 138,845.3 | 1,364,445.4 | 1,772,512.4 | 32,327,193.3 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 136,926.3 | 117,518.0 | 113,582.8 | 106,753.2 | 74,973.3 | 33,174.3 | 2,626.4 | 39,462.7 | 14,783.1 | 23,827.9 | 44,296.1 | 707,924.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 475,007.4 | 286,522.9 | 0.0 | 277,605.3 | 185,298.1 | 10,285.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,234,719.1 | | Operaciones con Reportos y Valores Derivados | 1,351,407.3 | 415,076.9 | 0.0 | 0.0 | 671,624.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,438,108.4 | | Otras cuentas por pagar | 221,269.8 | 235,941.2 | 199,623.9 | 42,282.6 | 144,407.9 | 56,305.2 | 8,656.5 | 11,856.4 | 73,649.2 | 15,068.4 | 40,459.7 | 1,049,520.8 | | Otros pasivos y provisiones | 615,903.8 | 786,310.5 | 714,326.3 | 213,400.6 | 194,696.7 | 91,607.0 | 38,201.9 | 66,643.5 | 52,261.5 | 23,337.6 | 65,469.6 | 2,862,159.0 | | Obligaciones subordinadas | 979,933.2 | 1,874,678.7 | 0.0 | 476,719.1 | 324,564.9 | 0.0 | 0.0 | 0.0 | 96,390.7 | 64,418.7 | 222,077.8 | 4,038,783.0 | | 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 | 15,180.3 | 0.0 | 15,180.3 | | Patrimonio | 7,909,795.3 | 7,366,391.8 | 8,678,600.6 | 2,418,539.9 | 1,621,101.9 | 908,662.9 | 628,646.7 | 533,421.6 | 316,013.3 | 235,214.3 | 514,825.8 | 31,131,214.2 | | 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 | 116,631.9 | 0.0 | 0.0 | 4.8 | 8,196.3 | 20,103.3 | 513,936.9 | | 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 | -12,926.0 | 792.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -12,146.8 | | 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 | 565,945.0 | 660,868.9 | 687,101.6 | 143,141.7 | 39,481.7 | 29,335.6 | 11,628.3 | 27,050.3 | -8,792.8 | -63,292.0 | -3,346.9 | 2,089,121.4 | | Cuentas contingentes | 21,527,438.0 | 12,745,365.2 | 9,702,187.8 | 1,670,016.1 | 7,538,542.9 | 118,119.2 | 257,216.0 | 0.0 | 300,433.4 | 0.0 | 0.0 | 53,859,318.7 | | Cuentas de orden | 105,063,319.3 | 50,349,850.0 | 291,409,745.3 | 58,264,717.0 | 16,402,929.6 | 14,512,107.6 | 81,104,981.7 | 2,925,665.6 | 3,389,945.8 | 2,383,040.1 | 3,024,695.4 | 628,830,997.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2017 C$ 29.9226 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2018 C$ 31.4187 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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