| 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 | 68,843,797.1 | 57,031,282.2 | 51,650,546.6 | 23,842,226.2 | 14,538,388.8 | 6,310,418.8 | 12,407,168.6 | 2,105,779.3 | 1,475,006.3 | 1,820,451.3 | 3,572,746.7 | 243,597,812.0 | | Disponibilidades | 15,015,610.5 | 9,673,294.5 | 12,806,811.7 | 4,275,661.7 | 3,081,888.1 | 1,795,635.7 | 4,880,219.0 | 530,528.3 | 115,032.7 | 228,276.8 | 617,867.2 | 53,020,826.2 | | Moneda Nacional | 5,759,583.7 | 2,538,778.4 | 2,668,976.9 | 672,799.3 | 432,490.3 | 517,273.3 | 1,520,629.1 | 123,545.1 | 47,349.1 | 134,775.4 | 290,030.6 | 14,706,231.1 | | Caja | 1,673,214.8 | 960,003.2 | 1,557,183.8 | 221,349.6 | 198,984.7 | 143,539.6 | 26,432.8 | 16,310.6 | 10,721.2 | 24,311.0 | 73,642.9 | 4,905,694.1 | | Banco Central de Nicaragua | 3,849,353.6 | 1,430,219.2 | 896,680.4 | 327,751.1 | 201,960.3 | 361,348.3 | 1,424,088.0 | 65,319.4 | 8.9 | 99.9 | 0.0 | 8,556,829.2 | | Depositos e Instituciones Financieras del Pais | 21,626.7 | 305.5 | 54,732.9 | 36,650.0 | 17,252.7 | 4,878.8 | 0.0 | 41,915.1 | 36,619.0 | 110,349.6 | 216,387.7 | 540,718.0 | | Otras disponibilidades | 215,388.7 | 148,250.4 | 160,379.9 | 87,048.6 | 14,292.6 | 7,506.5 | 70,108.2 | 0.0 | 0.0 | 14.9 | 0.0 | 702,989.8 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,256,026.8 | 7,134,516.1 | 10,137,834.8 | 3,602,862.4 | 2,649,397.8 | 1,278,362.4 | 3,359,589.9 | 406,983.2 | 67,683.6 | 93,501.4 | 327,836.6 | 38,314,595.1 | | Caja | 1,313,474.5 | 468,030.2 | 1,979,109.7 | 319,978.0 | 270,293.8 | 323,118.4 | 33,058.5 | 11,594.3 | 6,603.6 | 8,265.5 | 40,068.3 | 4,773,594.8 | | Banco Central de Nicaragua | 4,596,040.7 | 3,811,016.3 | 5,390,785.3 | 2,340,192.9 | 906,548.9 | 609,217.8 | 2,595,960.6 | 12,152.9 | 7,281.2 | 15,967.7 | 0.0 | 20,285,164.4 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 326,620.9 | 0.0 | 3,914.9 | 162,403.7 | 264,895.1 | 15,477.4 | 69,268.2 | 127,849.5 | 970,429.6 | | Depositos en Instituciones Financieras del exterior | 3,232,307.6 | 2,449,881.7 | 2,701,377.8 | 560,536.9 | 1,323,904.0 | 292,560.5 | 11,979.6 | 118,340.9 | 38,321.4 | 0.0 | 159,918.8 | 10,889,129.2 | | Otras disponibilidades | 114,203.9 | 405,588.0 | 66,561.9 | 55,533.8 | 148,651.1 | 49,550.8 | 556,187.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,396,277.1 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 2,738,122.7 | 5,214,891.9 | 47,237.4 | 420,821.7 | 928,502.5 | 0.0 | 5,077,119.1 | 320.0 | 0.0 | 79,962.3 | 32,343.1 | 14,539,320.7 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 303,498.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 303,498.4 | | Inversiones Disponibles para la Venta | 35,062.7 | 4,464,254.2 | 47,237.4 | 79,041.2 | 625,004.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,250,599.6 | | Inversiones Mantenidas Hasta el Vencimiento | 2,703,060.0 | 750,637.8 | 0.0 | 341,780.4 | 0.0 | 0.0 | 5,077,119.1 | 320.0 | 0.0 | 79,962.3 | 32,343.1 | 8,985,222.7 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 5,430,538.9 | 4,836,989.7 | 737,310.9 | 745,852.8 | 1,202,247.8 | 0.0 | 268,284.3 | 0.0 | 0.0 | 6,405.9 | 0.0 | 13,227,630.3 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 43,128,601.9 | 34,395,125.0 | 37,078,123.5 | 17,751,121.4 | 8,834,698.6 | 4,142,422.1 | 2,005,071.0 | 1,419,268.5 | 1,287,737.7 | 1,417,741.0 | 2,815,279.6 | 154,275,190.3 | | Créditos vigentes | 40,011,020.9 | 32,702,196.8 | 34,223,275.5 | 17,004,241.3 | 8,514,657.3 | 3,915,885.9 | 1,958,647.4 | 1,409,101.8 | 1,128,063.3 | 1,294,390.7 | 2,718,128.5 | 144,879,609.3 | | Créditos prorrogados | 1,610,160.6 | 282,338.1 | 2,316,430.1 | 194,097.8 | 7,631.1 | 14,340.2 | 0.0 | 2,333.1 | 121,386.0 | 0.0 | 0.0 | 4,548,717.0 | | Créditos reestructurados | 1,280,394.3 | 1,211,788.8 | 467,677.0 | 402,817.4 | 368,438.2 | 227,267.7 | 43,602.3 | 30,532.1 | 80,610.1 | 65,127.5 | 47,388.0 | 4,225,643.4 | | Créditos vencidos | 609,304.9 | 419,688.4 | 695,248.1 | 481,932.7 | 207,162.4 | 101,539.9 | 381.5 | 127,706.9 | 94,203.3 | 112,105.5 | 214,288.1 | 3,063,561.5 | | Créditos en cobro judicial | 175,306.4 | 221,082.7 | 293,859.3 | 88,093.5 | 2,315.8 | 24,655.5 | 18,390.4 | 0.0 | 8,934.6 | 319.4 | 0.0 | 832,957.6 | | Intereses y Comisiones por Cobrar sobre Creditos | 661,596.7 | 650,356.1 | 393,116.7 | 179,371.4 | 181,374.0 | 73,836.4 | 22,389.7 | 31,328.5 | 62,487.4 | 120,105.6 | 169,392.6 | 2,545,355.1 | | Provisiones por incobrabilidad de cartera de creditos | -1,219,182.0 | -1,092,326.0 | -1,311,483.2 | -599,432.6 | -446,880.3 | -215,103.4 | -38,340.2 | -181,733.8 | -207,947.0 | -174,307.6 | -333,917.6 | -5,820,653.7 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 203,788.2 | 369,749.4 | 99,628.1 | 161,641.4 | 65,598.8 | 52,533.3 | 7,678.7 | 29,316.9 | 2,155.0 | 2,762.2 | 10,846.5 | 1,005,698.4 | | Bienes de uso, neto | 1,642,735.2 | 540,502.8 | 687,234.0 | 211,276.9 | 140,526.2 | 223,554.5 | 19,518.2 | 45,519.8 | 39,509.6 | 50,505.5 | 39,615.3 | 3,640,498.0 | | Bienes recibidos en recuperacion de creditos, neto | 72,505.2 | 134,917.7 | 12,850.4 | 37,217.1 | 573.5 | 739.5 | 5,593.5 | 7,758.6 | 6,995.2 | 1,858.4 | 0.0 | 281,009.0 | | Invesiones permanentes en acciones | 236,481.2 | 1,307,307.1 | 70,663.4 | 27,638.2 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,656,028.9 | | Otros activos neto | 375,413.3 | 558,504.2 | 110,687.2 | 210,994.9 | 277,164.4 | 88,783.8 | 143,684.8 | 73,067.3 | 23,576.2 | 32,939.3 | 56,794.9 | 1,951,610.2 | | Pasivo | 60,644,778.3 | 49,336,785.8 | 42,585,770.6 | 21,424,569.0 | 12,918,556.5 | 5,376,495.9 | 11,748,422.7 | 1,670,546.3 | 1,309,257.2 | 1,620,942.5 | 3,098,949.9 | 211,735,074.6 | | Obligaciones con el Público | 43,387,042.4 | 30,525,696.8 | 29,979,670.8 | 12,141,686.3 | 6,020,157.9 | 4,140,196.7 | 11,593,632.4 | 83,534.2 | 42,611.8 | 102,805.8 | 0.0 | 138,017,035.1 | | Moneda Nacional | 15,148,121.8 | 7,360,314.7 | 5,880,736.6 | 1,618,443.2 | 590,531.3 | 623,879.6 | 3,561,084.6 | 0.0 | 0.0 | 0.0 | 0.0 | 34,783,111.9 | | Depositos a la Vista | 7,771,111.6 | 4,068,909.3 | 3,597,804.3 | 366,968.6 | 382,633.2 | 348,168.0 | 2,241,413.7 | 0.0 | 0.0 | 0.0 | 0.0 | 18,777,008.7 | | Depositos de Ahorro | 6,151,904.9 | 2,819,462.4 | 1,784,136.7 | 1,094,871.7 | 176,669.7 | 233,147.0 | 1,316,016.2 | 0.0 | 0.0 | 0.0 | 0.0 | 13,576,208.5 | | Depositos a Plazo | 1,225,105.3 | 471,943.0 | 498,795.7 | 156,602.9 | 31,228.4 | 42,564.7 | 3,654.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,429,894.7 | | 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 | 27,678,736.6 | 22,804,643.0 | 23,637,320.1 | 10,090,827.0 | 5,299,921.6 | 3,423,416.8 | 7,465,865.6 | 0.0 | 0.0 | 0.0 | 0.0 | 100,400,730.7 | | Depositos a la Vista | 7,962,369.7 | 5,061,205.7 | 6,263,907.5 | 686,529.7 | 1,309,140.9 | 668,501.6 | 7,047,313.3 | 0.0 | 0.0 | 0.0 | 0.0 | 28,998,968.3 | | Depositos de Ahorro | 10,907,404.9 | 9,406,790.0 | 9,732,012.1 | 5,341,438.5 | 1,274,228.5 | 870,699.5 | 171,891.0 | 0.0 | 0.0 | 0.0 | 0.0 | 37,704,464.6 | | Depositos a Plazo | 8,808,962.1 | 8,336,647.3 | 7,641,400.5 | 4,062,858.7 | 2,716,552.2 | 1,884,215.7 | 246,661.3 | 0.0 | 0.0 | 0.0 | 0.0 | 33,697,297.8 | | 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 | 323,211.7 | 170,316.3 | 289,859.4 | 300,342.0 | 71,613.6 | 62,206.0 | 556,209.2 | 83,025.0 | 42,269.3 | 102,416.5 | 0.0 | 2,001,469.0 | | Cargos financieros por pagar sobre obligaciones con el Público | 236,972.3 | 190,422.7 | 171,754.7 | 132,074.1 | 58,091.5 | 30,694.3 | 10,472.9 | 509.2 | 342.5 | 389.3 | 0.0 | 831,723.5 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 9,738,855.6 | 11,232,514.4 | 11,151,773.7 | 7,736,643.4 | 5,160,657.8 | 1,117,526.9 | 7,855.6 | 1,512,678.0 | 1,047,254.3 | 1,381,950.0 | 2,790,621.4 | 52,878,331.1 | | Por Depósitos de Instituciones Financieras | 1,264,743.2 | 1,744,210.5 | 5,623,988.4 | 1,604,381.4 | 1,564,154.1 | 705,818.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,507,296.5 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 8,339,701.9 | 9,348,456.3 | 5,373,423.3 | 6,000,764.0 | 3,509,013.3 | 377,623.3 | 7,701.5 | 1,485,796.6 | 1,026,481.0 | 1,356,246.5 | 2,745,509.6 | 39,570,717.3 | | Préstamos de la Financiera Nicaraguense de Inversiones | 531,142.7 | 530,689.4 | 57,588.6 | 439,372.6 | 469,459.0 | 31,133.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,059,385.6 | | Préstamos del Banco Centroaméricano de Integración Económica | 960,841.3 | 2,104,198.0 | 874,541.3 | 790,866.1 | 436,828.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,167,275.1 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 479,029.5 | 383,223.6 | 1,149,670.8 | 0.0 | 0.0 | 0.0 | 957,932.8 | 0.0 | 1,064,994.4 | 4,034,851.1 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 6,847,717.9 | 6,713,569.0 | 3,962,263.9 | 4,387,301.7 | 1,453,055.2 | 346,490.0 | 7,701.5 | 1,485,796.6 | 68,548.1 | 1,356,246.5 | 1,680,515.2 | 28,309,205.6 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 134,410.6 | 139,847.5 | 154,362.0 | 131,498.0 | 87,490.4 | 34,084.7 | 154.0 | 26,881.4 | 20,773.3 | 25,703.5 | 45,111.9 | 800,317.2 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 502,921.7 | 272,653.3 | 0.0 | 153,642.2 | 845,875.4 | 10,513.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,785,606.4 | | Operaciones con Reportos y Valores Derivados | 5,250,325.2 | 3,726,367.0 | 604,810.7 | 598,463.2 | 263,354.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,443,321.0 | | Otras cuentas por pagar | 163,355.9 | 330,939.8 | 165,902.6 | 30,189.6 | 103,126.5 | 35,757.9 | 21,710.0 | 8,854.4 | 78,256.3 | 11,529.6 | 14,658.1 | 964,280.8 | | Otros pasivos y provisiones | 621,932.7 | 708,832.1 | 683,612.7 | 264,399.9 | 200,074.1 | 72,500.4 | 125,224.8 | 65,479.7 | 42,991.0 | 24,208.1 | 71,058.3 | 2,880,313.8 | | Obligaciones subordinadas | 980,344.7 | 2,539,782.5 | 0.0 | 499,544.5 | 325,309.9 | 0.0 | 0.0 | 0.0 | 98,143.7 | 85,614.6 | 222,612.1 | 4,751,352.1 | | 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 | 14,834.3 | 0.0 | 14,834.3 | | Patrimonio | 8,199,018.8 | 7,694,496.3 | 9,064,776.0 | 2,417,657.2 | 1,619,832.3 | 933,923.0 | 658,745.9 | 435,233.1 | 165,749.1 | 199,508.8 | 473,796.8 | 31,862,737.4 | | Capital social pagado | 3,559,500.0 | 4,268,872.0 | 2,855,000.0 | 1,073,560.0 | 879,702.5 | 698,257.9 | 524,600.0 | 345,032.0 | 235,240.0 | 259,500.1 | 540,637.2 | 15,239,901.7 | | 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 | 33,353.7 | 550,688.3 | | 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 | -4,198.5 | -69,977.8 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -73,376.4 | | 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 | -0.1 | 77,886.2 | 121,345.6 | 75,783.3 | 25,235.7 | 31,052.0 | 8,094,559.1 | | Resultados del Periodo | 859,353.4 | 1,046,025.3 | 1,073,269.8 | 142,258.9 | 38,212.1 | 31,094.6 | 41,727.5 | -71,138.3 | -159,056.9 | -98,997.5 | -139,310.0 | 2,763,439.0 | | Cuentas contingentes | 22,022,300.2 | 11,813,685.5 | 9,066,642.2 | 1,563,532.4 | 6,092,302.6 | 207,158.3 | 672,746.4 | 0.0 | 0.0 | 0.0 | 0.0 | 51,438,367.7 | | Cuentas de orden | 101,694,091.6 | 51,290,794.4 | 280,028,861.9 | 61,550,916.2 | 17,590,941.6 | 14,388,345.5 | 81,158,582.3 | 2,579,308.5 | 3,757,779.8 | 2,316,361.1 | 3,082,473.5 | 619,438,456.4 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2017 C$ 30.4146 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE SEPTIEMBRE DE 2018 C$ 31.9353 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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