| 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 | 67,354,398.2 | 56,597,336.8 | 49,509,973.1 | 22,931,854.9 | 13,878,864.0 | 6,425,694.2 | 12,582,491.6 | 2,103,301.2 | 1,425,053.7 | 1,779,476.3 | 3,510,168.2 | 238,098,612.2 | | Disponibilidades | 14,876,425.8 | 9,400,307.7 | 11,679,254.4 | 3,826,899.7 | 2,557,819.0 | 2,007,233.2 | 4,985,564.0 | 521,677.4 | 123,338.6 | 229,536.5 | 602,489.9 | 50,810,546.1 | | Moneda Nacional | 5,428,414.7 | 2,118,605.9 | 2,755,429.8 | 705,468.3 | 366,720.1 | 566,164.0 | 1,282,531.5 | 90,467.0 | 22,886.1 | 151,847.6 | 273,777.9 | 13,762,312.9 | | Caja | 1,599,322.6 | 992,526.4 | 1,631,723.8 | 226,759.2 | 148,877.3 | 154,061.6 | 28,164.2 | 13,560.9 | 15,599.8 | 24,916.6 | 60,223.5 | 4,895,735.9 | | Banco Central de Nicaragua | 3,712,469.0 | 1,040,278.6 | 951,687.8 | 418,403.9 | 195,903.6 | 396,684.9 | 1,252,735.2 | 35,019.4 | 8.7 | 99.7 | 0.0 | 8,003,290.8 | | Depositos e Instituciones Financieras del Pais | 31,006.0 | 5,468.4 | 57,374.4 | 18,448.6 | 11,429.8 | 10,653.9 | 0.0 | 41,886.7 | 7,277.6 | 126,831.3 | 213,554.4 | 523,931.0 | | Otras disponibilidades | 85,617.1 | 80,332.6 | 114,643.9 | 41,856.6 | 10,509.5 | 4,763.6 | 1,632.1 | 0.0 | 0.0 | 0.0 | 0.0 | 339,355.2 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,448,011.1 | 7,281,701.8 | 8,923,824.5 | 3,121,431.4 | 2,191,098.8 | 1,441,069.2 | 3,703,032.5 | 431,210.4 | 100,452.5 | 77,689.0 | 328,712.0 | 37,048,233.2 | | Caja | 1,254,101.7 | 563,958.9 | 1,883,319.4 | 383,896.3 | 269,267.9 | 422,644.1 | 29,768.1 | 12,660.8 | 5,010.1 | 10,720.4 | 28,497.8 | 4,863,845.5 | | Banco Central de Nicaragua | 4,395,335.2 | 3,413,827.7 | 4,944,101.2 | 1,964,132.4 | 1,072,898.2 | 783,741.0 | 3,152,367.2 | 9,798.3 | 6,253.2 | 9,299.7 | 0.0 | 19,751,754.1 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 337,162.5 | 0.0 | 8,870.7 | 163,514.1 | 284,322.6 | 28,138.2 | 57,668.9 | 139,497.6 | 1,019,174.5 | | Depositos en Instituciones Financieras del exterior | 3,762,602.8 | 2,996,998.7 | 2,033,568.8 | 373,980.7 | 716,729.3 | 219,943.5 | 11,649.3 | 124,428.8 | 61,051.0 | 0.0 | 160,716.6 | 10,461,669.5 | | Otras disponibilidades | 35,971.5 | 306,916.5 | 62,835.1 | 62,259.4 | 132,203.4 | 5,869.8 | 345,733.8 | 0.0 | 0.0 | 0.0 | 0.0 | 951,789.5 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 2,737,351.5 | 5,645,655.4 | 50,782.4 | 263,618.8 | 1,013,721.3 | 0.0 | 4,970,564.4 | 321.4 | 0.0 | 48,353.9 | 32,573.7 | 14,762,942.6 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 191,252.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 191,252.0 | | Inversiones Disponibles para la Venta | 15,640.3 | 4,549,275.6 | 50,782.4 | 2,579.4 | 822,469.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,440,747.0 | | Inversiones Mantenidas Hasta el Vencimiento | 2,721,711.2 | 1,096,379.8 | 0.0 | 261,039.4 | 0.0 | 0.0 | 4,970,564.4 | 321.4 | 0.0 | 48,353.9 | 32,573.7 | 9,130,943.7 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 4,818,183.9 | 4,885,570.6 | 740,372.3 | 783,961.1 | 1,000,942.6 | 0.0 | 269,078.3 | 0.0 | 0.0 | 8,521.2 | 0.0 | 12,506,630.1 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 42,414,921.3 | 33,691,643.3 | 36,074,918.4 | 17,364,963.1 | 8,634,331.8 | 4,072,031.7 | 2,185,399.8 | 1,436,612.7 | 1,230,886.3 | 1,406,161.6 | 2,768,686.9 | 151,280,557.0 | | Créditos vigentes | 39,304,073.6 | 31,822,800.4 | 33,164,744.8 | 16,592,548.7 | 8,325,046.3 | 3,844,668.7 | 2,119,774.0 | 1,419,408.2 | 1,074,749.5 | 1,271,226.8 | 2,690,422.1 | 141,629,463.0 | | Créditos prorrogados | 1,524,520.5 | 342,870.0 | 2,329,185.4 | 189,457.3 | 7,659.8 | 11,672.2 | 0.0 | 4,968.8 | 114,017.9 | 0.0 | 0.0 | 4,524,352.0 | | Créditos reestructurados | 1,377,779.3 | 1,299,999.1 | 558,270.9 | 465,029.6 | 410,178.6 | 250,982.8 | 64,750.8 | 48,997.2 | 113,767.6 | 70,459.2 | 52,270.7 | 4,712,485.6 | | Créditos vencidos | 572,383.9 | 522,397.8 | 722,154.3 | 456,700.3 | 139,077.2 | 84,049.8 | 378.5 | 110,982.8 | 78,111.4 | 113,402.0 | 197,837.8 | 2,997,475.8 | | Créditos en cobro judicial | 195,461.5 | 241,620.3 | 302,280.4 | 97,870.7 | 6,689.0 | 28,662.1 | 18,466.7 | 0.0 | 9,290.8 | 320.7 | 0.0 | 900,662.1 | | Intereses y Comisiones por Cobrar sobre Creditos | 724,950.3 | 640,435.1 | 393,537.0 | 180,200.6 | 155,188.1 | 79,459.5 | 21,705.1 | 30,849.8 | 65,499.3 | 127,827.6 | 181,048.9 | 2,600,701.4 | | Provisiones por incobrabilidad de cartera de creditos | -1,284,247.7 | -1,178,479.3 | -1,395,254.4 | -616,844.0 | -409,507.2 | -227,463.5 | -39,675.4 | -178,594.1 | -224,550.2 | -177,074.7 | -352,892.6 | -6,084,582.9 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 189,830.0 | 323,524.4 | 89,755.9 | 99,217.3 | 61,308.0 | 23,844.7 | 10,266.5 | 23,483.7 | 1,808.0 | 3,261.3 | 11,938.0 | 838,237.8 | | Bienes de uso, neto | 1,624,296.0 | 532,942.1 | 677,249.0 | 298,763.7 | 138,321.0 | 228,324.8 | 17,793.8 | 46,029.7 | 38,813.2 | 50,663.0 | 37,772.2 | 3,690,968.6 | | Bienes recibidos en recuperacion de creditos, neto | 72,838.9 | 121,095.3 | 15,715.4 | 39,271.0 | 58.1 | 739.5 | 5,593.5 | 8,003.4 | 8,334.6 | 1,397.0 | 0.0 | 273,046.7 | | Invesiones permanentes en acciones | 236,481.2 | 1,408,685.1 | 71,025.5 | 28,038.6 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,758,169.4 | | Otros activos neto | 384,069.6 | 587,912.9 | 110,899.8 | 227,121.7 | 465,173.3 | 86,770.3 | 138,231.2 | 67,172.9 | 21,873.0 | 31,581.7 | 56,707.6 | 2,177,513.9 | | Pasivo | 59,083,574.3 | 48,803,708.8 | 40,367,591.4 | 20,512,079.0 | 12,257,588.9 | 5,491,316.7 | 11,911,712.5 | 1,664,746.0 | 1,211,352.5 | 1,583,568.9 | 3,046,006.0 | 205,933,245.0 | | Obligaciones con el Público | 42,057,528.4 | 30,193,006.5 | 29,030,730.2 | 11,895,517.3 | 5,849,917.2 | 4,233,645.2 | 11,758,253.4 | 84,282.5 | 42,964.7 | 60,560.3 | 0.0 | 135,206,405.7 | | Moneda Nacional | 14,268,663.9 | 7,415,894.0 | 5,841,777.4 | 1,678,151.5 | 656,729.4 | 725,840.0 | 3,397,882.4 | 0.0 | 0.0 | 0.0 | 0.0 | 33,984,938.6 | | Depositos a la Vista | 7,196,897.0 | 4,147,747.1 | 3,678,910.7 | 343,044.8 | 492,845.6 | 444,485.1 | 2,105,472.0 | 0.0 | 0.0 | 0.0 | 0.0 | 18,409,402.3 | | Depositos de Ahorro | 5,875,715.2 | 2,790,779.2 | 1,704,388.6 | 1,176,012.1 | 149,636.7 | 238,093.5 | 1,288,740.5 | 0.0 | 0.0 | 0.0 | 0.0 | 13,223,365.8 | | Depositos a Plazo | 1,196,051.7 | 477,367.6 | 458,478.1 | 159,094.6 | 14,247.1 | 43,261.4 | 3,669.9 | 0.0 | 0.0 | 0.0 | 0.0 | 2,352,170.5 | | 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 | 26,691,021.0 | 22,400,458.4 | 22,737,540.9 | 9,818,494.4 | 5,092,185.7 | 3,419,346.2 | 8,018,601.5 | 0.0 | 0.0 | 0.0 | 0.0 | 98,177,648.0 | | Depositos a la Vista | 7,498,327.1 | 5,329,352.1 | 5,999,322.2 | 718,755.8 | 1,374,637.6 | 715,492.8 | 7,578,639.2 | 0.0 | 0.0 | 0.0 | 0.0 | 29,214,526.9 | | Depositos de Ahorro | 10,581,401.6 | 8,999,263.1 | 9,367,856.9 | 5,130,589.7 | 1,232,132.7 | 833,380.5 | 204,812.8 | 0.0 | 0.0 | 0.0 | 0.0 | 36,349,437.3 | | Depositos a Plazo | 8,611,292.4 | 8,071,843.2 | 7,370,361.8 | 3,969,148.8 | 2,485,415.3 | 1,870,472.8 | 235,149.5 | 0.0 | 0.0 | 0.0 | 0.0 | 32,613,683.7 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 853,648.6 | 183,985.3 | 279,066.2 | 273,293.3 | 45,760.0 | 55,689.6 | 332,451.1 | 83,332.9 | 42,398.3 | 60,191.4 | 0.0 | 2,209,816.8 | | Cargos financieros por pagar sobre obligaciones con el Público | 244,194.9 | 192,668.8 | 172,345.7 | 125,578.1 | 55,242.1 | 32,769.4 | 9,318.5 | 949.6 | 566.4 | 368.9 | 0.0 | 834,002.4 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 10,010,833.6 | 10,903,584.0 | 9,840,278.0 | 7,068,359.3 | 4,714,835.6 | 1,129,791.7 | 7,939.7 | 1,506,458.3 | 1,013,074.0 | 1,387,075.3 | 2,734,180.1 | 50,316,409.6 | | Por Depósitos de Instituciones Financieras | 1,327,585.5 | 1,649,019.9 | 5,404,472.8 | 1,523,851.2 | 1,464,844.4 | 715,808.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 12,085,582.4 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 8,523,526.6 | 9,084,276.4 | 4,330,566.4 | 5,419,098.6 | 3,172,974.1 | 378,700.2 | 7,733.5 | 1,476,135.0 | 997,722.4 | 1,361,553.2 | 2,689,474.3 | 37,441,760.7 | | Préstamos de la Financiera Nicaraguense de Inversiones | 528,943.1 | 530,007.2 | 57,199.4 | 428,998.0 | 468,132.1 | 30,771.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,044,051.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 873,380.0 | 2,095,360.7 | 878,172.5 | 676,023.3 | 428,022.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,950,958.6 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 481,018.5 | 384,814.8 | 1,154,444.4 | 0.0 | 0.0 | 0.0 | 924,927.1 | 0.0 | 1,062,201.1 | 4,007,405.9 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 7,121,203.5 | 6,458,908.5 | 2,914,176.0 | 3,929,262.6 | 1,122,375.5 | 347,928.7 | 7,733.5 | 1,476,135.0 | 72,795.3 | 1,361,553.2 | 1,627,273.2 | 26,439,345.0 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 159,721.4 | 170,287.7 | 105,238.8 | 125,409.5 | 77,017.2 | 35,282.9 | 206.2 | 30,323.3 | 15,351.6 | 25,522.1 | 44,705.8 | 789,066.5 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 480,683.6 | 268,757.0 | 0.0 | 155,049.2 | 702,024.8 | 26,225.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,632,740.2 | | Operaciones con Reportos y Valores Derivados | 4,773,830.8 | 3,775,302.6 | 610,911.1 | 632,634.0 | 260,824.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,053,503.2 | | Otras cuentas por pagar | 162,861.9 | 304,581.9 | 200,215.9 | 26,632.8 | 200,898.3 | 34,152.3 | 25,321.5 | 9,882.0 | 17,662.3 | 10,588.8 | 14,206.2 | 1,007,004.0 | | Otros pasivos y provisiones | 605,227.6 | 790,757.0 | 685,456.1 | 250,861.3 | 199,660.1 | 67,502.0 | 120,197.9 | 64,123.2 | 40,063.8 | 23,522.8 | 74,554.5 | 2,921,926.2 | | Obligaciones subordinadas | 992,608.4 | 2,567,719.8 | 0.0 | 483,025.1 | 329,428.2 | 0.0 | 0.0 | 0.0 | 97,587.7 | 86,817.8 | 223,065.2 | 4,780,252.3 | | 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 | 15,003.9 | 0.0 | 15,003.9 | | Patrimonio | 8,270,823.9 | 7,793,627.9 | 9,142,381.7 | 2,419,775.9 | 1,621,275.1 | 934,377.5 | 670,779.1 | 438,555.2 | 213,701.2 | 195,907.4 | 464,162.3 | 32,165,367.2 | | Capital social pagado | 3,559,500.0 | 4,268,872.0 | 2,855,000.0 | 1,173,560.0 | 879,702.5 | 838,390.9 | 524,600.0 | 345,032.0 | 235,240.0 | 259,500.1 | 540,637.2 | 15,480,034.7 | | 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 | 0.3 | 0.0 | 0.0 | 65,125.8 | 8,196.3 | 33,353.7 | 475,676.7 | | 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 | -70,392.9 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -69,592.9 | | 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 | 662,242.4 | 408,206.5 | -0.1 | 77,886.2 | 121,345.6 | 75,783.3 | 25,235.7 | 31,052.0 | 7,994,559.1 | | Resultados del Periodo | 926,960.0 | 1,145,571.9 | 1,150,875.5 | 144,377.7 | 39,654.9 | 31,548.7 | 53,760.7 | -67,816.1 | -176,225.9 | -102,599.0 | -148,944.5 | 2,997,163.8 | | Cuentas contingentes | 21,875,804.8 | 11,849,462.0 | 9,020,609.9 | 1,564,241.1 | 6,289,407.1 | 204,468.7 | 461,087.0 | 0.0 | 0.0 | 0.0 | 0.0 | 51,265,080.6 | | Cuentas de orden | 101,485,843.2 | 52,763,485.1 | 281,611,010.2 | 62,601,323.0 | 17,778,033.9 | 14,323,844.5 | 83,019,876.4 | 2,495,302.6 | 3,693,236.4 | 2,306,595.4 | 3,098,914.8 | 625,177,465.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2017 C$ 30.5409 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE OCTUBRE DE 2018 C$ 32.0679 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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