| 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 | 71,385,679.6 | 60,238,000.4 | 55,332,930.6 | 24,604,591.8 | 14,649,016.4 | 6,593,136.3 | 13,251,647.1 | 2,207,998.9 | 1,761,913.5 | 1,824,333.0 | 3,609,666.6 | 255,458,914.2 | | Disponibilidades | 15,740,416.3 | 10,154,867.9 | 14,933,384.3 | 3,849,008.1 | 2,558,109.6 | 1,835,322.1 | 5,870,639.2 | 414,840.8 | 313,613.6 | 154,533.8 | 538,616.8 | 56,363,352.6 | | Moneda Nacional | 6,647,616.5 | 2,688,810.5 | 2,959,497.7 | 963,851.3 | 423,531.6 | 428,905.8 | 2,110,093.3 | 72,126.9 | 101,787.8 | 93,534.8 | 256,691.9 | 16,746,448.0 | | Caja | 1,876,112.3 | 1,039,469.0 | 1,801,951.8 | 211,176.6 | 218,566.9 | 188,115.1 | 35,669.3 | 15,380.4 | 20,039.2 | 29,471.4 | 71,220.5 | 5,507,172.4 | | Banco Central de Nicaragua | 4,632,392.7 | 1,550,816.2 | 999,130.8 | 636,281.0 | 185,212.0 | 232,175.7 | 1,894,067.8 | 26,319.8 | 40,149.2 | 100.0 | 0.0 | 10,196,645.1 | | Depositos e Instituciones Financieras del Pais | 31,078.5 | 3,300.7 | 50,255.2 | 80,763.2 | 11,662.0 | 2,651.3 | 0.0 | 30,426.7 | 41,599.4 | 63,954.4 | 185,471.4 | 501,162.8 | | Otras disponibilidades | 108,033.0 | 95,224.7 | 108,159.9 | 35,630.5 | 8,090.7 | 5,963.7 | 180,356.2 | 0.0 | 0.0 | 9.0 | 0.0 | 541,467.8 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,092,799.9 | 7,466,057.3 | 11,973,886.6 | 2,885,156.8 | 2,134,578.1 | 1,406,416.3 | 3,760,546.0 | 342,714.0 | 211,825.8 | 60,999.0 | 281,924.9 | 39,616,904.5 | | Caja | 1,234,676.6 | 475,885.9 | 1,925,184.3 | 237,326.8 | 378,833.6 | 521,869.1 | 34,283.0 | 11,599.4 | 6,329.4 | 7,633.3 | 35,921.3 | 4,869,542.7 | | Banco Central de Nicaragua | 4,596,715.7 | 3,790,934.9 | 6,172,548.1 | 2,000,690.3 | 873,283.7 | 579,486.8 | 2,855,399.1 | 12,054.3 | 113,336.7 | 25,340.8 | 0.0 | 21,019,790.3 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 196,084.4 | 0.0 | 1,479.3 | 160,240.4 | 176,518.3 | 92,159.6 | 28,024.9 | 150,933.4 | 805,440.3 | | Depositos en Instituciones Financieras del exterior | 2,989,383.5 | 2,901,187.1 | 3,810,419.4 | 399,726.5 | 741,611.2 | 297,962.2 | 13,909.3 | 142,542.0 | 0.0 | 0.0 | 95,070.2 | 11,391,811.4 | | Otras disponibilidades | 272,024.1 | 298,049.3 | 65,734.8 | 51,328.8 | 140,849.5 | 5,618.9 | 696,714.3 | 0.0 | 0.0 | 0.0 | 0.0 | 1,530,319.7 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 2,841,018.7 | 7,074,113.2 | -58.3 | 757,436.9 | 1,153,010.9 | 0.0 | 5,257,598.4 | 317.5 | 31,894.9 | 0.0 | 47.4 | 17,115,379.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | -58.3 | 0.0 | 382,171.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 382,112.9 | | Inversiones Disponibles para la Venta | 0.0 | 4,612,639.1 | 0.0 | 460,048.7 | 770,839.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,843,527.7 | | Inversiones Mantenidas Hasta el Vencimiento | 2,841,018.7 | 2,461,474.1 | 0.0 | 297,388.2 | 0.0 | 0.0 | 5,257,598.4 | 317.5 | 31,894.9 | 0.0 | 47.4 | 10,889,739.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 6,168,339.8 | 4,441,352.7 | 771,668.9 | 982,602.2 | 988,662.7 | 0.0 | 275,971.9 | 0.0 | 0.0 | 0.0 | 0.0 | 13,628,598.2 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 44,167,371.9 | 35,726,266.7 | 38,627,973.2 | 18,389,205.7 | 9,460,545.0 | 4,359,090.3 | 1,758,810.3 | 1,634,737.1 | 1,341,865.2 | 1,577,858.9 | 2,969,412.3 | 160,013,136.5 | | Créditos vigentes | 41,641,859.2 | 34,424,507.2 | 37,870,067.6 | 17,833,933.6 | 9,208,174.3 | 4,186,644.4 | 1,709,620.1 | 1,675,264.1 | 1,184,888.4 | 1,502,143.4 | 2,907,547.2 | 154,144,649.6 | | Créditos prorrogados | 1,345,218.2 | 24,071.7 | 587,242.9 | 148,678.8 | 0.0 | 16,959.6 | 0.0 | 0.0 | 132,387.9 | 0.0 | 0.0 | 2,254,559.0 | | Créditos reestructurados | 1,018,013.7 | 1,004,014.9 | 190,787.5 | 323,618.9 | 253,363.2 | 169,539.7 | 39,099.2 | 33,900.6 | 41,323.2 | 27,440.7 | 30,429.5 | 3,131,531.2 | | Créditos vencidos | 432,894.5 | 443,549.8 | 412,636.5 | 334,264.2 | 241,712.8 | 87,859.9 | 23,051.9 | 62,164.3 | 51,931.5 | 99,820.2 | 122,643.2 | 2,312,528.8 | | Créditos en cobro judicial | 150,472.3 | 166,756.1 | 295,695.0 | 82,390.4 | 3,709.7 | 17,963.2 | 0.0 | 0.0 | 7,989.1 | 0.0 | 0.0 | 724,975.7 | | Intereses y Comisiones por Cobrar sobre Creditos | 684,485.1 | 648,607.3 | 421,816.3 | 193,529.8 | 214,533.3 | 72,600.5 | 19,381.2 | 51,878.2 | 54,193.9 | 108,463.8 | 158,675.4 | 2,628,164.7 | | Provisiones por incobrabilidad de cartera de creditos | -1,105,571.2 | -985,240.3 | -1,150,272.5 | -527,210.0 | -460,948.3 | -192,476.8 | -32,342.1 | -188,470.1 | -130,848.8 | -160,009.3 | -249,883.1 | -5,183,272.5 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 139,523.5 | 364,221.1 | 104,496.3 | 156,604.2 | 81,324.0 | 68,429.8 | 8,679.4 | 29,423.8 | 1,515.8 | 2,595.3 | 10,506.8 | 967,320.0 | | Bienes de uso, neto | 1,686,046.5 | 552,276.2 | 694,304.7 | 204,765.7 | 138,052.1 | 226,994.3 | 22,941.8 | 47,667.4 | 40,903.2 | 45,224.9 | 40,097.0 | 3,699,273.7 | | Bienes recibidos en recuperacion de creditos, neto | 62,736.0 | 159,193.6 | 11,408.3 | 35,528.2 | 573.5 | 824.3 | 5,593.5 | 5,869.6 | 5,880.2 | 1,858.4 | 0.0 | 289,465.6 | | Invesiones permanentes en acciones | 224,095.0 | 1,229,640.9 | 70,723.5 | 27,331.1 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,565,729.4 | | Otros activos neto | 356,131.9 | 536,068.1 | 119,029.7 | 202,109.7 | 261,549.5 | 95,725.4 | 51,412.6 | 75,142.6 | 26,240.7 | 42,261.7 | 50,986.3 | 1,816,658.4 | | Pasivo | 63,314,472.5 | 52,736,028.4 | 46,418,339.4 | 22,181,098.0 | 13,030,059.8 | 5,660,007.8 | 12,608,080.0 | 1,772,857.0 | 1,515,384.8 | 1,612,132.0 | 3,103,089.9 | 223,951,549.7 | | Obligaciones con el Público | 47,127,555.6 | 32,946,474.9 | 33,381,059.7 | 12,703,000.9 | 6,586,568.0 | 4,143,588.9 | 12,544,876.8 | 121,623.4 | 42,406.4 | 101,357.4 | 0.0 | 149,698,511.9 | | Moneda Nacional | 15,896,402.6 | 8,349,802.7 | 6,668,036.5 | 1,736,756.5 | 612,881.2 | 563,860.4 | 4,267,378.8 | 0.0 | 0.0 | 0.0 | 0.0 | 38,095,118.7 | | Depositos a la Vista | 8,202,971.6 | 4,722,125.3 | 4,116,204.5 | 328,397.0 | 420,447.0 | 271,125.5 | 3,050,034.9 | 0.0 | 0.0 | 0.0 | 0.0 | 21,111,305.8 | | Depositos de Ahorro | 6,370,835.4 | 3,128,670.4 | 2,144,665.6 | 1,245,165.3 | 167,647.1 | 246,974.5 | 1,203,459.6 | 0.0 | 0.0 | 0.0 | 0.0 | 14,507,418.0 | | Depositos a Plazo | 1,322,595.6 | 499,007.0 | 407,166.3 | 163,194.2 | 24,787.1 | 45,760.4 | 13,884.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,476,394.9 | | 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 | 30,131,824.5 | 24,211,292.8 | 26,161,638.5 | 10,506,233.9 | 5,885,934.7 | 3,489,167.7 | 7,569,539.9 | 0.0 | 0.0 | 0.0 | 0.0 | 107,955,631.9 | | Depositos a la Vista | 8,495,542.8 | 5,087,686.2 | 6,980,313.8 | 743,802.5 | 1,504,885.1 | 670,598.3 | 7,227,556.1 | 0.0 | 0.0 | 0.0 | 0.0 | 30,710,384.8 | | Depositos de Ahorro | 12,049,665.5 | 10,691,811.9 | 10,683,018.3 | 5,190,121.9 | 1,543,009.5 | 957,150.9 | 102,533.8 | 0.0 | 0.0 | 0.0 | 0.0 | 41,217,311.8 | | Depositos a Plazo | 9,586,616.2 | 8,431,794.8 | 8,498,306.4 | 4,572,309.5 | 2,838,040.1 | 1,861,418.5 | 239,449.9 | 0.0 | 0.0 | 0.0 | 0.0 | 36,027,935.3 | | 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 | 863,558.5 | 199,876.0 | 374,309.0 | 302,765.0 | 31,074.4 | 60,485.0 | 699,489.6 | 120,405.1 | 41,846.9 | 100,951.4 | 0.0 | 2,794,760.9 | | Cargos financieros por pagar sobre obligaciones con el Público | 235,770.0 | 185,503.3 | 177,075.8 | 157,245.5 | 56,677.7 | 30,075.8 | 8,468.6 | 1,218.3 | 559.5 | 406.0 | 0.0 | 853,000.3 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 9,154,689.8 | 12,489,955.9 | 11,473,601.3 | 7,832,111.6 | 4,946,920.2 | 1,390,123.4 | 7,689.9 | 1,575,829.4 | 1,250,653.3 | 1,395,427.7 | 2,865,761.0 | 54,382,763.4 | | Por Depósitos de Instituciones Financieras | 1,284,968.1 | 1,703,522.5 | 6,178,271.2 | 1,480,989.3 | 1,659,139.5 | 738,952.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13,045,842.8 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 7,770,851.0 | 10,648,871.0 | 5,176,022.1 | 6,231,585.6 | 3,223,154.3 | 614,370.3 | 7,639.0 | 1,547,623.2 | 1,224,991.6 | 1,369,954.3 | 2,814,601.6 | 40,629,663.9 | | Préstamos de la Financiera Nicaraguense de Inversiones | 538,085.8 | 541,975.9 | 61,214.8 | 446,466.6 | 465,647.2 | 24,589.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,077,979.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 947,823.6 | 2,114,082.4 | 520,674.3 | 800,053.6 | 476,836.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,859,469.9 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 475,140.0 | 380,112.0 | 886,928.0 | 0.0 | 0.0 | 0.0 | 1,094,749.7 | 0.0 | 1,066,245.8 | 3,903,175.6 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 6,284,941.6 | 7,992,812.7 | 4,118,993.0 | 4,604,953.4 | 1,393,743.0 | 589,780.7 | 7,639.0 | 1,547,623.2 | 130,241.9 | 1,369,954.3 | 1,748,355.8 | 29,789,038.6 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 98,870.8 | 137,562.4 | 119,308.1 | 119,536.7 | 64,626.5 | 36,800.7 | 50.9 | 28,206.2 | 25,661.7 | 25,473.4 | 51,159.3 | 707,256.7 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 501,236.6 | 268,755.7 | 0.0 | 154,188.8 | 579,453.0 | 10,399.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,514,033.6 | | Operaciones con Reportos y Valores Derivados | 4,817,451.1 | 3,542,011.1 | 616,684.9 | 774,786.2 | 313,372.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,064,305.8 | | Otras cuentas por pagar | 184,927.0 | 263,885.6 | 226,521.0 | 30,211.5 | 91,423.4 | 42,374.2 | 15,290.0 | 10,476.9 | 79,135.0 | 12,077.5 | 19,106.7 | 975,428.8 | | Otros pasivos y provisiones | 572,152.7 | 739,588.8 | 720,472.5 | 198,743.3 | 195,033.7 | 73,521.8 | 40,223.3 | 64,927.3 | 44,018.7 | 24,078.5 | 61,956.6 | 2,734,717.0 | | Obligaciones subordinadas | 956,459.8 | 2,485,356.4 | 0.0 | 488,055.8 | 317,289.1 | 0.0 | 0.0 | 0.0 | 99,171.5 | 64,502.3 | 156,265.6 | 4,567,100.5 | | 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 | 14,688.6 | 0.0 | 14,688.6 | | Patrimonio | 8,071,207.0 | 7,501,972.0 | 8,914,591.2 | 2,423,493.8 | 1,618,956.6 | 933,128.4 | 643,567.1 | 435,141.9 | 246,528.7 | 212,200.9 | 506,576.7 | 31,507,364.4 | | 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 | 516,132.1 | 15,215,407.4 | | 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 | 29,204.7 | 546,539.3 | | 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 | -68,345.1 | 741.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -67,603.4 | | 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 | 727,343.1 | 851,868.2 | 923,143.2 | 148,095.6 | 37,336.4 | 30,300.0 | 26,548.7 | -71,229.5 | -78,277.4 | -86,305.4 | -77,875.9 | 2,430,947.1 | | Cuentas contingentes | 22,729,337.5 | 12,054,388.7 | 9,429,359.1 | 1,623,289.7 | 5,760,630.5 | 119,211.8 | 800,489.6 | 0.0 | 376,969.4 | 79.2 | 0.0 | 52,893,755.7 | | Cuentas de orden | 103,910,716.5 | 50,809,621.3 | 281,862,023.5 | 61,070,681.7 | 17,384,057.4 | 14,498,592.9 | 83,360,176.7 | 2,796,672.7 | 3,349,905.7 | 2,421,176.5 | 3,071,487.8 | 624,535,112.8 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2017 C$ 30.1676 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO DE 2018 C$ 31.6760 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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