| 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 | 70,632,437.8 | 58,727,991.2 | 53,314,845.1 | 24,457,573.4 | 14,302,818.6 | 6,264,899.4 | 12,429,488.2 | 2,174,119.2 | 1,555,482.3 | 1,820,206.3 | 3,566,185.3 | 249,246,046.8 | | Disponibilidades | 16,352,710.7 | 9,108,994.5 | 13,637,091.0 | 4,200,928.5 | 2,403,959.0 | 1,660,332.9 | 4,893,090.5 | 505,504.2 | 177,711.5 | 236,614.2 | 518,931.6 | 53,695,868.4 | | Moneda Nacional | 7,595,133.6 | 2,382,285.2 | 2,737,031.6 | 724,706.8 | 329,538.1 | 409,087.0 | 1,484,732.5 | 140,964.6 | 50,489.1 | 153,782.7 | 231,449.4 | 16,239,200.8 | | Caja | 1,850,621.1 | 969,425.8 | 1,432,452.1 | 291,906.1 | 150,854.4 | 145,642.5 | 29,883.9 | 15,667.6 | 16,130.1 | 17,491.1 | 73,486.7 | 4,993,561.3 | | Banco Central de Nicaragua | 5,649,463.1 | 1,295,573.0 | 1,110,433.2 | 305,883.7 | 164,882.6 | 252,857.8 | 1,445,472.0 | 62,319.8 | 9.0 | 99.9 | 0.0 | 10,286,994.0 | | Depositos e Instituciones Financieras del Pais | 19,146.2 | 2,149.1 | 52,559.0 | 34,003.2 | 7,370.0 | 3,990.4 | 0.0 | 62,977.2 | 34,350.0 | 136,191.8 | 157,962.7 | 510,699.6 | | Otras disponibilidades | 75,903.2 | 115,137.4 | 141,587.4 | 92,913.8 | 6,431.1 | 6,596.3 | 9,376.6 | 0.0 | 0.0 | 0.0 | 0.0 | 447,945.8 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,757,577.1 | 6,726,709.3 | 10,900,059.4 | 3,476,221.7 | 2,074,420.9 | 1,251,245.8 | 3,408,358.0 | 364,539.5 | 127,222.4 | 82,831.5 | 287,482.1 | 37,456,667.7 | | Caja | 1,034,066.0 | 426,224.4 | 1,598,098.5 | 192,661.8 | 175,963.9 | 299,932.9 | 30,868.1 | 11,238.1 | 6,901.8 | 6,946.0 | 30,161.7 | 3,813,063.3 | | Banco Central de Nicaragua | 5,056,323.0 | 4,213,935.8 | 5,949,256.0 | 2,526,801.2 | 999,282.9 | 616,291.0 | 2,499,070.8 | 12,104.3 | 99,493.9 | 15,903.8 | 0.0 | 21,988,462.7 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 355,422.1 | 0.0 | 4,997.5 | 161,336.0 | 213,919.1 | 20,826.7 | 59,981.7 | 129,959.6 | 946,442.9 | | Depositos en Instituciones Financieras del exterior | 2,629,789.7 | 1,733,169.4 | 3,256,440.2 | 353,251.7 | 764,268.4 | 324,729.6 | 12,301.1 | 127,278.0 | 0.0 | 0.0 | 127,360.8 | 9,328,588.8 | | Otras disponibilidades | 37,398.4 | 353,379.7 | 96,264.8 | 48,084.9 | 134,905.7 | 5,294.7 | 704,781.9 | 0.0 | 0.0 | 0.0 | 0.0 | 1,380,110.1 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 1,615,980.4 | 6,871,095.2 | 0.0 | 704,298.9 | 1,200,724.9 | 0.0 | 5,183,758.4 | 318.8 | 0.0 | 0.0 | 32,121.4 | 15,608,297.9 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 398,931.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 398,931.1 | | Inversiones Disponibles para la Venta | 158,524.2 | 5,212,849.6 | 0.0 | 241,094.3 | 801,793.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,414,262.0 | | Inversiones Mantenidas Hasta el Vencimiento | 1,457,456.1 | 1,658,245.6 | 0.0 | 463,204.6 | 0.0 | 0.0 | 5,183,758.4 | 318.8 | 0.0 | 0.0 | 32,121.4 | 8,795,104.8 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 6,645,026.0 | 4,582,098.1 | 778,194.1 | 808,427.5 | 1,004,245.7 | 0.0 | 294,904.8 | 0.0 | 0.0 | 0.0 | 0.0 | 14,112,896.3 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 43,549,267.9 | 35,218,877.5 | 37,912,940.4 | 18,100,940.9 | 9,180,571.8 | 4,250,417.3 | 1,947,356.7 | 1,516,941.7 | 1,305,142.0 | 1,493,225.5 | 2,908,261.5 | 157,383,943.2 | | Créditos vigentes | 40,455,674.8 | 33,720,291.7 | 35,685,563.2 | 17,466,975.7 | 8,868,123.1 | 4,024,765.3 | 1,900,244.5 | 1,531,147.6 | 1,167,615.1 | 1,390,855.8 | 2,835,274.7 | 149,046,531.4 | | Créditos prorrogados | 1,724,978.2 | 147,113.9 | 1,821,875.6 | 173,886.0 | 0.0 | 16,962.0 | 0.0 | 572.8 | 115,331.1 | 0.0 | 0.0 | 4,000,719.5 | | Créditos reestructurados | 1,253,064.5 | 1,144,480.4 | 302,570.5 | 324,855.3 | 315,046.2 | 211,574.3 | 43,435.1 | 27,789.7 | 63,061.3 | 50,807.3 | 40,979.4 | 3,777,663.8 | | Créditos vencidos | 475,551.0 | 406,686.5 | 613,749.9 | 428,979.4 | 350,997.0 | 109,318.3 | 380.9 | 109,237.8 | 76,176.2 | 107,228.6 | 171,271.6 | 2,849,577.2 | | Créditos en cobro judicial | 166,443.4 | 197,187.8 | 303,501.1 | 88,053.4 | 3,725.1 | 16,961.2 | 18,316.8 | 0.0 | 7,767.1 | 318.1 | 0.0 | 802,274.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 634,120.1 | 643,525.5 | 416,550.8 | 188,589.5 | 189,746.7 | 73,486.9 | 22,104.0 | 35,309.6 | 55,712.2 | 114,519.1 | 161,070.1 | 2,534,734.4 | | Provisiones por incobrabilidad de cartera de creditos | -1,160,564.2 | -1,040,408.2 | -1,230,870.6 | -570,398.3 | -547,066.3 | -202,650.7 | -37,124.6 | -187,115.8 | -180,520.9 | -170,503.2 | -300,334.3 | -5,627,557.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 150,074.1 | 422,366.5 | 93,581.6 | 160,928.0 | 88,304.8 | 30,445.4 | 10,959.5 | 27,687.6 | 1,864.5 | 2,765.2 | 10,545.3 | 999,522.5 | | Bienes de uso, neto | 1,662,608.7 | 547,894.0 | 685,868.0 | 213,455.4 | 141,527.3 | 224,254.8 | 21,179.2 | 46,551.7 | 40,201.2 | 44,629.5 | 41,714.0 | 3,669,883.8 | | Bienes recibidos en recuperacion de creditos, neto | 68,710.2 | 150,344.4 | 13,090.6 | 34,900.8 | 573.5 | 704.4 | 5,593.5 | 6,855.1 | 5,675.9 | 1,858.4 | 0.0 | 288,306.8 | | Invesiones permanentes en acciones | 224,095.0 | 1,275,742.6 | 70,714.4 | 27,241.3 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,611,732.2 | | Otros activos neto | 363,964.9 | 550,578.4 | 123,364.9 | 206,452.1 | 275,722.7 | 91,994.6 | 72,645.7 | 70,260.1 | 24,887.3 | 41,113.4 | 54,611.6 | 1,875,595.7 | | Pasivo | 62,491,172.0 | 51,127,246.6 | 44,324,543.3 | 22,040,250.7 | 12,683,535.8 | 5,331,355.0 | 11,776,879.1 | 1,741,670.8 | 1,362,982.3 | 1,615,682.6 | 3,080,333.3 | 217,575,651.5 | | Obligaciones con el Público | 45,817,829.2 | 32,406,476.7 | 31,890,039.1 | 12,606,439.8 | 6,245,016.3 | 4,073,854.8 | 11,688,077.2 | 121,757.6 | 42,159.3 | 102,414.5 | 0.0 | 144,994,064.6 | | Moneda Nacional | 15,660,084.1 | 7,683,579.1 | 5,968,937.7 | 1,708,592.5 | 639,396.4 | 527,396.5 | 3,478,000.3 | 0.0 | 0.0 | 0.0 | 0.0 | 35,665,986.6 | | Depositos a la Vista | 8,035,586.1 | 4,301,941.8 | 3,708,934.3 | 335,478.1 | 433,501.2 | 245,735.8 | 2,251,715.8 | 0.0 | 0.0 | 0.0 | 0.0 | 19,312,893.1 | | Depositos de Ahorro | 6,407,877.8 | 2,886,427.4 | 1,801,582.1 | 1,205,526.8 | 174,149.6 | 238,115.8 | 1,222,628.2 | 0.0 | 0.0 | 0.0 | 0.0 | 13,936,307.8 | | Depositos a Plazo | 1,216,620.2 | 495,209.8 | 458,421.2 | 167,587.6 | 31,745.6 | 43,544.9 | 3,656.3 | 0.0 | 0.0 | 0.0 | 0.0 | 2,416,785.7 | | 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 | | | | | | | | | | | | | | | | Moneda Extranjera | 29,461,536.4 | 24,319,237.6 | 25,295,137.1 | 10,415,433.8 | 5,515,253.2 | 3,480,133.1 | 7,483,599.8 | 0.0 | 0.0 | 0.0 | 0.0 | 105,970,330.9 | | Depositos a la Vista | 8,560,540.3 | 5,664,783.8 | 6,542,125.0 | 816,513.2 | 1,383,306.4 | 691,227.5 | 7,066,835.2 | 0.0 | 0.0 | 0.0 | 0.0 | 30,725,331.5 | | Depositos de Ahorro | 11,705,420.8 | 10,283,179.5 | 10,691,224.8 | 4,969,961.7 | 1,377,280.5 | 920,271.8 | 172,744.3 | 0.0 | 0.0 | 0.0 | 0.0 | 40,120,083.5 | | Depositos a Plazo | 9,195,575.2 | 8,371,274.2 | 8,061,787.2 | 4,628,958.8 | 2,754,666.3 | 1,868,633.8 | 244,020.2 | 0.0 | 0.0 | 0.0 | 0.0 | 35,124,915.9 | | 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 | 467,187.3 | 212,059.1 | 456,854.5 | 317,958.0 | 34,792.9 | 36,276.4 | 717,043.6 | 120,899.1 | 42,031.8 | 102,006.7 | 0.0 | 2,507,109.2 | | Cargos financieros por pagar sobre obligaciones con el Público | 229,021.5 | 191,601.0 | 169,109.9 | 164,455.6 | 55,573.8 | 30,048.8 | 9,433.5 | 858.6 | 127.5 | 407.8 | 0.0 | 850,637.9 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 9,230,493.2 | 11,273,557.0 | 10,897,932.3 | 7,854,935.0 | 4,870,074.4 | 1,136,145.5 | 7,773.0 | 1,545,311.8 | 1,102,027.9 | 1,401,261.8 | 2,835,091.8 | 52,154,603.7 | | Por Depósitos de Instituciones Financieras | 1,205,490.7 | 1,680,176.4 | 5,565,067.0 | 1,590,861.6 | 1,877,320.1 | 717,699.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,636,615.1 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 7,917,622.7 | 9,426,415.3 | 5,200,386.3 | 6,133,467.6 | 2,914,483.9 | 381,844.1 | 7,670.7 | 1,519,791.2 | 1,079,508.5 | 1,370,214.4 | 2,786,777.9 | 38,738,182.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 529,855.2 | 536,197.4 | 58,229.1 | 445,360.8 | 149,505.3 | 35,964.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,755,111.8 | | Préstamos del Banco Centroaméricano de Integración Económica | 1,021,005.3 | 2,112,264.4 | 873,029.5 | 816,501.1 | 474,839.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,297,639.9 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 477,112.5 | 381,690.0 | 890,610.0 | 0.0 | 0.0 | 0.0 | 999,925.2 | 0.0 | 1,070,672.3 | 3,820,010.0 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 6,366,762.2 | 6,777,953.4 | 3,792,015.2 | 4,489,915.7 | 1,399,529.0 | 345,880.1 | 7,670.7 | 1,519,791.2 | 79,583.3 | 1,370,214.4 | 1,716,105.6 | 27,865,420.8 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 107,379.7 | 166,965.4 | 132,479.1 | 130,605.8 | 78,270.3 | 36,602.1 | 102.3 | 25,520.6 | 22,519.4 | 31,047.3 | 48,314.0 | 779,806.0 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 506,202.9 | 270,239.2 | 0.0 | 152,489.6 | 685,562.9 | 10,458.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,624,952.7 | | Operaciones con Reportos y Valores Derivados | 5,207,720.4 | 3,614,172.1 | 621,760.0 | 656,573.7 | 260,802.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,361,028.6 | | Otras cuentas por pagar | 182,402.6 | 290,670.6 | 199,838.0 | 25,214.1 | 93,202.8 | 40,615.2 | 19,060.9 | 9,700.5 | 77,939.0 | 8,894.0 | 18,513.0 | 966,050.6 | | Otros pasivos y provisiones | 577,966.6 | 759,206.4 | 714,973.9 | 250,723.6 | 207,525.6 | 70,281.5 | 61,968.0 | 64,900.8 | 43,535.1 | 22,802.0 | 69,284.8 | 2,843,168.3 | | Obligaciones subordinadas | 968,557.1 | 2,512,924.7 | 0.0 | 493,874.8 | 321,351.5 | 0.0 | 0.0 | 0.0 | 97,321.0 | 65,430.1 | 157,443.6 | 4,616,902.8 | | 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 | 14,880.3 | 0.0 | 14,880.3 | | Patrimonio | 8,141,265.8 | 7,600,744.7 | 8,990,301.8 | 2,417,322.8 | 1,619,282.8 | 933,544.4 | 652,609.1 | 432,448.4 | 192,500.0 | 204,523.6 | 485,852.0 | 31,670,395.3 | | Capital social pagado | 3,559,500.0 | 4,268,872.0 | 2,855,000.0 | 1,073,560.0 | 879,702.5 | 698,266.7 | 524,600.0 | 345,032.0 | 235,240.0 | 259,500.1 | 531,897.0 | 15,231,170.3 | | 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 | 31,854.9 | 549,189.5 | | 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 | -64,585.9 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -63,785.9 | | 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 | -8.9 | 77,886.2 | 121,345.6 | 75,783.3 | 25,235.7 | 31,052.0 | 8,094,550.3 | | Resultados del Periodo | 797,401.9 | 946,881.6 | 998,795.6 | 141,924.6 | 37,662.6 | 30,716.0 | 35,590.7 | -73,923.0 | -132,306.1 | -93,982.7 | -117,015.8 | 2,571,745.3 | | Cuentas contingentes | 22,665,978.1 | 11,848,742.9 | 9,225,980.4 | 1,587,098.1 | 5,917,973.5 | 118,531.6 | 816,615.6 | 0.0 | 0.0 | 0.0 | 0.0 | 52,180,920.2 | | Cuentas de orden | 101,866,218.3 | 51,322,277.5 | 274,779,893.7 | 61,399,667.4 | 17,024,487.7 | 14,305,797.5 | 80,137,025.0 | 2,684,240.6 | 3,734,378.5 | 2,380,490.1 | 3,083,083.8 | 612,717,560.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2017 C$ 30.2929 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2018 C$ 31.8075 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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