| 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 | 71,556,746.3 | 61,668,574.5 | 56,081,140.9 | 24,935,673.8 | 14,835,801.4 | 6,631,163.3 | 12,844,145.1 | 2,305,142.0 | 1,804,219.3 | 1,877,688.7 | 3,683,273.8 | 258,223,568.9 | | Disponibilidades | 13,980,488.3 | 10,119,047.6 | 14,191,196.3 | 4,170,733.4 | 2,404,897.5 | 1,725,365.3 | 5,958,151.7 | 217,876.8 | 284,796.3 | 174,899.8 | 514,069.0 | 53,741,522.2 | | Moneda Nacional | 5,718,529.9 | 2,828,173.4 | 3,119,527.1 | 1,056,729.9 | 379,313.6 | 373,957.5 | 1,847,192.1 | 46,012.9 | 77,279.3 | 100,068.9 | 237,777.8 | 15,784,562.3 | | Caja | 1,739,772.4 | 1,221,765.3 | 1,881,179.3 | 263,399.6 | 165,416.9 | 209,138.6 | 23,369.3 | 12,987.7 | 18,297.1 | 51,640.4 | 76,792.1 | 5,663,758.7 | | Banco Central de Nicaragua | 3,845,362.6 | 1,445,466.7 | 1,029,194.6 | 667,726.1 | 189,579.1 | 152,936.2 | 1,745,387.9 | 14,320.0 | 149.3 | 100.0 | 0.0 | 9,090,222.4 | | Depositos e Instituciones Financieras del Pais | 34,453.4 | 4,083.7 | 47,002.4 | 77,557.7 | 11,741.8 | 3,500.9 | 0.0 | 18,705.2 | 58,832.9 | 46,315.0 | 160,985.7 | 463,178.9 | | Otras disponibilidades | 98,941.5 | 156,857.7 | 162,150.8 | 48,046.4 | 12,575.8 | 8,381.7 | 78,434.9 | 0.0 | 0.0 | 2,013.5 | 0.0 | 567,402.3 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,261,958.4 | 7,290,874.2 | 11,071,669.2 | 3,114,003.6 | 2,025,583.9 | 1,351,407.8 | 4,110,959.6 | 171,863.9 | 207,517.1 | 74,830.9 | 276,291.2 | 37,956,959.8 | | Caja | 1,073,495.0 | 483,556.4 | 2,072,454.9 | 203,523.9 | 261,798.1 | 366,344.8 | 21,916.5 | 10,351.0 | 5,365.5 | 9,532.4 | 32,320.4 | 4,540,658.7 | | Banco Central de Nicaragua | 4,474,682.4 | 4,468,558.2 | 6,318,639.6 | 1,992,900.1 | 903,734.1 | 636,037.3 | 3,196,990.8 | 43,549.4 | 109,398.1 | 25,236.0 | 0.0 | 22,169,726.0 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 305,230.1 | 0.0 | 3,965.4 | 159,151.9 | 117,963.4 | 92,753.6 | 40,062.5 | 243,970.8 | 963,097.6 | | Depositos en Instituciones Financieras del exterior | 2,662,692.5 | 2,017,392.5 | 2,575,047.1 | 550,994.1 | 721,499.0 | 331,790.4 | 4,863.4 | 0.0 | 0.0 | 0.0 | 0.0 | 8,864,279.0 | | Otras disponibilidades | 51,088.6 | 321,367.2 | 105,527.6 | 61,355.4 | 138,552.7 | 13,269.9 | 728,037.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,419,198.5 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 4,779,825.5 | 7,013,000.6 | 460,468.9 | 822,406.0 | 1,159,584.5 | 0.0 | 4,825,399.1 | 95,787.3 | 31,649.1 | 0.0 | 47.1 | 19,188,168.1 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 378,865.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 378,865.8 | | Inversiones Disponibles para la Venta | 164,829.1 | 5,213,074.7 | 460,468.9 | 323,472.2 | 780,718.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,942,563.6 | | Inversiones Mantenidas Hasta el Vencimiento | 4,614,996.4 | 1,799,925.9 | 0.0 | 498,933.8 | 0.0 | 0.0 | 4,825,399.1 | 95,787.3 | 31,649.1 | 0.0 | 47.1 | 11,866,738.7 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 5,737,260.8 | 5,079,128.2 | 754,744.1 | 766,499.2 | 1,043,465.6 | 0.0 | 274,026.2 | 0.0 | 0.0 | 0.0 | 0.0 | 13,655,124.0 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 44,549,614.8 | 36,634,916.3 | 39,637,235.9 | 18,607,551.8 | 9,788,187.3 | 4,496,169.8 | 1,695,568.7 | 1,831,164.0 | 1,409,883.8 | 1,610,981.1 | 3,066,286.4 | 163,327,559.8 | | Créditos vigentes | 43,181,841.8 | 35,495,736.2 | 39,555,314.7 | 18,190,377.8 | 9,552,852.0 | 4,361,467.7 | 1,640,128.1 | 1,816,689.5 | 1,330,562.5 | 1,538,415.9 | 2,991,086.5 | 159,654,472.7 | | Créditos prorrogados | 360,193.2 | 10,200.0 | 11,712.5 | 45,140.1 | 0.0 | 15,627.7 | 0.0 | 0.0 | 33,786.7 | 0.0 | 0.0 | 476,660.3 | | Créditos reestructurados | 935,104.8 | 880,254.0 | 189,420.6 | 319,759.7 | 218,965.1 | 149,948.6 | 39,106.8 | 38,681.8 | 27,825.9 | 20,930.2 | 22,566.1 | 2,842,563.6 | | Créditos vencidos | 329,423.1 | 391,605.9 | 274,402.9 | 279,984.6 | 206,854.2 | 59,180.9 | 23,960.6 | 39,383.8 | 38,778.4 | 100,113.6 | 95,117.0 | 1,838,804.9 | | Créditos en cobro judicial | 141,144.4 | 151,939.2 | 284,012.9 | 79,766.3 | 1,406.9 | 14,733.6 | 0.0 | 0.0 | 7,956.1 | 0.0 | 0.0 | 680,959.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 663,929.5 | 654,370.2 | 403,583.2 | 184,999.8 | 207,961.4 | 70,271.4 | 23,904.6 | 51,643.1 | 52,768.6 | 102,569.9 | 143,533.4 | 2,559,535.2 | | Provisiones por incobrabilidad de cartera de creditos | -1,062,022.0 | -949,189.2 | -1,081,211.0 | -492,476.5 | -399,852.3 | -175,060.0 | -31,531.5 | -115,234.1 | -81,794.4 | -151,048.5 | -186,016.7 | -4,725,436.2 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 166,920.8 | 386,619.1 | 111,924.1 | 162,431.8 | 49,607.8 | 74,005.7 | 9,946.8 | 31,290.9 | 1,595.4 | 3,007.1 | 9,970.6 | 1,007,320.2 | | Bienes de uso, neto | 1,705,267.5 | 559,776.8 | 703,013.1 | 151,932.8 | 140,684.7 | 228,397.5 | 23,184.4 | 48,814.2 | 41,606.2 | 46,222.4 | 38,236.2 | 3,687,135.7 | | Bienes recibidos en recuperacion de creditos, neto | 74,957.1 | 166,603.7 | 11,655.7 | 34,047.2 | 573.5 | 277.0 | 5,593.5 | 5,972.2 | 5,880.2 | 1,858.4 | 0.0 | 307,418.4 | | Invesiones permanentes en acciones | 224,095.0 | 1,235,776.7 | 70,568.6 | 27,358.9 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,571,738.1 | | Otros activos neto | 338,316.4 | 473,705.6 | 140,334.2 | 192,712.6 | 241,611.5 | 100,198.0 | 52,274.6 | 74,236.6 | 28,808.4 | 40,719.8 | 54,664.6 | 1,737,582.3 | | Pasivo | 63,557,487.3 | 54,224,807.1 | 47,255,955.3 | 22,513,421.6 | 13,217,208.6 | 5,698,427.4 | 12,206,213.0 | 1,795,891.3 | 1,508,238.1 | 1,658,115.8 | 3,195,844.9 | 226,831,610.5 | | Obligaciones con el Público | 47,933,115.7 | 32,991,122.6 | 34,128,417.3 | 13,016,343.8 | 6,646,851.7 | 4,244,446.7 | 12,149,087.0 | 120,354.9 | 42,001.1 | 158,487.1 | 0.0 | 151,430,228.0 | | Moneda Nacional | 16,720,411.8 | 7,849,306.9 | 6,845,228.3 | 1,852,504.1 | 635,726.3 | 582,974.7 | 3,914,889.2 | 0.0 | 0.0 | 0.0 | 0.0 | 38,401,041.4 | | Depositos a la Vista | 8,983,567.9 | 4,293,628.3 | 4,070,637.8 | 350,457.6 | 426,951.0 | 288,936.4 | 2,757,988.8 | 0.0 | 0.0 | 0.0 | 0.0 | 21,172,167.8 | | Depositos de Ahorro | 6,418,717.9 | 3,087,154.1 | 2,329,842.3 | 1,339,615.2 | 182,659.4 | 247,991.7 | 1,143,073.4 | 0.0 | 0.0 | 0.0 | 0.0 | 14,749,054.0 | | Depositos a Plazo | 1,318,126.1 | 468,524.5 | 444,748.2 | 162,431.3 | 26,116.0 | 46,046.6 | 13,827.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,479,819.6 | | 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 | | | | | | | | | | | | | | | | Moneda Extranjera | 30,609,670.4 | 24,792,101.5 | 26,705,112.9 | 10,717,891.9 | 5,925,590.9 | 3,543,752.7 | 7,508,001.3 | 0.0 | 0.0 | 0.0 | 0.0 | 109,802,121.6 | | Depositos a la Vista | 8,584,159.9 | 5,291,175.0 | 7,002,723.4 | 706,249.3 | 1,412,149.0 | 705,681.9 | 7,166,862.8 | 0.0 | 0.0 | 0.0 | 0.0 | 30,869,001.3 | | Depositos de Ahorro | 12,217,305.1 | 10,726,690.5 | 10,979,805.4 | 5,367,820.8 | 1,466,121.6 | 1,007,554.3 | 103,010.1 | 0.0 | 0.0 | 0.0 | 0.0 | 41,868,307.8 | | Depositos a Plazo | 9,808,205.3 | 8,774,235.9 | 8,722,584.1 | 4,643,821.8 | 3,047,320.3 | 1,830,516.6 | 238,128.4 | 0.0 | 0.0 | 0.0 | 0.0 | 37,064,812.4 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 378,835.3 | 165,033.3 | 403,894.8 | 296,084.9 | 29,496.1 | 89,571.1 | 718,791.5 | 119,774.4 | 41,662.8 | 157,725.0 | 0.0 | 2,400,869.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 224,198.2 | 184,680.9 | 174,181.3 | 149,862.9 | 56,038.3 | 28,148.2 | 7,405.0 | 580.5 | 338.3 | 762.1 | 0.0 | 826,195.7 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 8,877,827.9 | 13,465,594.2 | 11,589,563.4 | 7,964,670.0 | 4,971,842.2 | 1,313,709.2 | 7,607.4 | 1,598,428.2 | 1,242,646.8 | 1,386,320.6 | 2,882,893.9 | 55,301,104.0 | | Por Depósitos de Instituciones Financieras | 1,230,229.4 | 1,671,361.9 | 6,150,750.1 | 1,497,603.3 | 1,506,608.9 | 665,077.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,721,630.7 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 7,546,226.8 | 11,683,372.1 | 5,315,817.0 | 6,353,854.0 | 3,381,026.9 | 612,369.6 | 7,607.4 | 1,564,052.5 | 1,222,474.2 | 1,364,611.2 | 2,841,323.5 | 41,892,735.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 538,006.2 | 544,023.3 | 61,626.5 | 456,494.5 | 466,920.5 | 25,028.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,092,098.9 | | Préstamos del Banco Centroaméricano de Integración Económica | 1,034,405.9 | 2,122,389.3 | 518,520.9 | 854,759.4 | 485,310.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,015,386.4 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 473,175.0 | 378,540.0 | 1,040,985.0 | 0.0 | 0.0 | 0.0 | 1,090,351.6 | 0.0 | 1,093,381.2 | 4,076,432.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 5,973,814.7 | 9,016,959.5 | 4,262,494.5 | 4,664,060.2 | 1,387,810.5 | 587,341.6 | 7,607.4 | 1,564,052.5 | 132,122.5 | 1,364,611.2 | 1,747,942.2 | 30,708,816.8 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 101,371.8 | 110,860.3 | 122,996.4 | 113,212.7 | 84,206.4 | 36,262.5 | 0.0 | 34,375.8 | 20,172.6 | 21,709.4 | 41,570.4 | 686,738.3 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 477,848.5 | 289,048.2 | 0.0 | 152,956.6 | 587,837.3 | 10,370.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,518,061.4 | | Operaciones con Reportos y Valores Derivados | 4,478,927.1 | 4,011,863.9 | 611,640.3 | 618,957.8 | 339,193.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,060,582.8 | | Otras cuentas por pagar | 201,134.1 | 268,773.5 | 208,820.1 | 31,711.1 | 117,470.0 | 44,547.8 | 13,572.1 | 10,917.5 | 79,473.4 | 9,955.0 | 20,226.9 | 1,006,601.4 | | Otros pasivos y provisiones | 612,112.3 | 740,669.3 | 717,514.1 | 246,506.5 | 225,663.3 | 85,353.0 | 35,946.5 | 66,190.7 | 46,521.1 | 24,164.8 | 68,719.6 | 2,869,361.1 | | Obligaciones subordinadas | 976,521.7 | 2,457,735.5 | 0.0 | 482,275.7 | 328,350.4 | 0.0 | 0.0 | 0.0 | 97,595.8 | 63,580.9 | 224,004.6 | 4,630,064.5 | | 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 | 15,607.4 | 0.0 | 15,607.4 | | Patrimonio | 7,999,259.0 | 7,443,767.3 | 8,825,185.6 | 2,422,252.2 | 1,618,592.9 | 932,735.9 | 637,932.1 | 509,250.6 | 295,981.2 | 219,572.9 | 487,428.9 | 31,391,958.5 | | Capital social pagado | 3,559,500.0 | 4,268,872.0 | 2,855,000.0 | 1,073,560.0 | 879,702.5 | 698,268.7 | 524,600.0 | 345,032.0 | 235,240.0 | 259,500.1 | 458,953.5 | 15,158,228.8 | | 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 | 140,132.9 | 0.0 | 0.0 | 4.8 | 8,196.3 | 20,103.3 | 537,437.9 | | 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 | 0.0 | -33,137.8 | 780.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -32,357.6 | | 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 | 969,341.4 | 3,636,704.3 | 762,242.4 | 408,206.5 | -10.9 | 77,886.2 | 121,345.6 | 75,783.3 | 25,235.7 | 31,052.0 | 8,094,548.3 | | Resultados del Periodo | 655,395.1 | 758,456.2 | 833,699.1 | 146,854.0 | 36,972.7 | 29,907.5 | 20,913.7 | 2,879.2 | -28,824.9 | -78,933.5 | -30,743.8 | 2,346,575.4 | | Cuentas contingentes | 22,340,955.7 | 12,244,425.1 | 9,372,319.1 | 1,653,600.0 | 7,244,382.6 | 121,732.1 | 823,516.5 | 0.0 | 299,178.0 | 0.0 | 0.0 | 54,100,109.0 | | Cuentas de orden | 110,072,101.4 | 52,911,514.4 | 277,645,968.9 | 59,550,473.5 | 16,544,946.5 | 14,546,284.3 | 82,155,475.1 | 2,887,243.7 | 3,366,277.8 | 2,371,117.4 | 3,046,629.2 | 625,098,032.3 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2017 C$ 30.0428 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE JUNIO DE 2018 C$ 31.5450 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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