SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA) Balance de Situación (Condensado) Al 30 de Noviembre del 2018 (Expresado en miles de Córdobas)

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 67,368,823.1 56,094,768.2 49,837,391.8 22,442,592.8 13,726,147.8 6,223,751.1 12,010,824.1 2,074,434.1 1,292,461.8 1,722,784.3 3,486,919.9 236,280,899.1 Disponibilidades 16,225,935.5 9,493,617.8 12,963,488.1 3,668,735.1 2,531,556.6 1,268,508.5 4,427,290.3 450,950.0 56,710.4 200,378.2 540,379.3 51,827,549.8 Moneda Nacional 6,579,101.7 2,588,984.7 3,352,340.0 829,560.1 542,690.5 351,931.4 1,278,042.3 69,681.6 31,849.1 102,251.3 172,048.2 15,898,480.9 Caja 2,623,333.3 1,054,494.7 1,679,156.6 276,674.9 151,218.1 145,103.0 20,895.5 13,981.5 14,205.4 25,499.4 61,191.7 6,065,754.0 Banco Central de Nicaragua 3,782,799.1 1,413,645.0 1,373,552.8 437,620.9 360,504.8 191,646.0 1,226,030.3 19,519.1 8.6 99.7 0.0 8,805,426.2 Depositos e Instituciones Financieras del Pais  16,418.4 3,817.7 61,192.5 30,250.6 9,352.9 7,160.3 0.0 36,181.0 17,635.1 76,652.1 110,856.5 369,517.3 Otras disponibilidades 156,550.9 117,027.4 238,438.1 85,013.7 21,614.8 8,022.0 31,116.5 0.0 0.0 0.0 0.0 657,783.4                                                                                                                                                Moneda Extranjera 9,646,833.8 6,904,633.1 9,611,148.1 2,839,175.0 1,988,866.1 916,577.2 3,149,248.0 381,268.3 24,861.3 98,126.9 368,331.1 35,929,068.9 Caja 1,303,856.0 579,345.7 1,842,085.1 290,577.3 308,398.4 251,609.3 18,428.2 12,168.4 2,523.4 7,739.3 27,162.5 4,643,893.7 Banco Central de Nicaragua 5,179,846.1 3,414,899.2 5,156,606.8 1,793,544.5 1,121,016.1 474,285.1 2,592,570.8 8,549.8 5,312.5 9,337.1 0.0 19,755,968.0 Depositos e Instituciones Financieras del Pais  1\ 0.0 0.0 0.0 211,563.5 0.0 2,495.8 164,596.1 235,449.3 8,910.2 81,050.6 83,075.7 787,141.1 Depositos en Instituciones Financieras del exterior  3,097,934.8 2,612,391.2 2,397,615.2 424,621.1 392,799.2 183,458.4 12,434.2 125,100.9 8,115.2 0.0 258,092.9 9,512,563.1 Otras disponibilidades 65,196.9 297,997.1 214,841.0 118,868.5 166,652.4 4,728.6 361,218.7 0.0 0.0 0.0 0.0 1,229,503.1                                                                                                                                                Inversiones en valores, neto 2,792,516.3 6,313,380.5 48,929.0 186,853.1 864,239.5 626,506.8 4,795,323.7 322.6 0.0 30,029.6 45.3 15,658,146.4 Inversiones al Valor Razonable con Cambios en Resultados  0.0 0.0 0.0 0.0 119,546.6 0.0 0.0 0.0 0.0 0.0 0.0 119,546.6 Inversiones Disponibles para la Venta 0.0 4,852,335.8 48,929.0 21,754.8 744,692.9 0.0 0.0 0.0 0.0 0.0 0.0 5,667,712.5 Inversiones Mantenidas Hasta el Vencimiento 2,792,516.3 1,461,044.7 0.0 165,098.3 0.0 626,506.8 4,795,323.7 322.6 0.0 30,029.6 45.3 9,870,887.3                                                                                                                                                Operaciones con Reportos y  Valores Derivados 3,868,109.5 4,168,313.4 587,655.8 805,927.8 1,053,816.6 0.0 180,462.4 0.0 0.0 11,093.8 0.0 10,675,379.2                                                                                                                                                Cartera de Creditos, neta 42,006,365.1 33,212,914.5 35,238,967.9 17,105,783.4 8,587,512.2 3,986,807.7 2,324,915.8 1,477,401.4 1,167,426.2 1,397,452.5 2,749,249.4 149,254,795.9 Créditos vigentes  39,003,516.7 30,912,502.0 32,234,902.7 16,346,776.5 8,054,244.6 3,741,834.4 2,254,252.1 1,455,779.4 1,000,758.5 1,249,535.1 2,701,506.8 138,955,608.7 Créditos prorrogados 1,333,558.6 302,119.6 2,492,837.7 185,617.8 143,784.1 11,168.3 0.0 10,094.0 108,710.3 0.0 0.0 4,587,890.5 Créditos reestructurados 1,450,327.3 1,328,392.5 658,607.1 496,979.7 459,354.2 276,440.4 64,990.4 64,594.4 138,529.6 77,337.5 55,434.2 5,070,987.4 Créditos vencidos 613,022.1 861,653.1 674,517.3 422,972.7 194,512.4 68,108.5 671.7 92,720.2 67,629.6 118,467.0 167,298.2 3,281,572.8 Créditos en cobro judicial 198,743.4 453,842.7 325,136.9 103,828.7 7,900.3 41,787.5 18,541.0 0.0 9,328.1 322.0 0.0 1,159,430.5 Intereses y Comisiones por Cobrar sobre Creditos 740,846.6 623,917.7 387,765.8 174,634.2 159,050.5 81,211.8 28,793.9 31,792.8 66,168.9 135,221.3 190,377.9 2,619,781.2 Provisiones por incobrabilidad de cartera de creditos  -1,333,649.6 -1,269,513.1 -1,534,799.7 -625,026.2 -431,333.8 -233,743.2 -42,333.2 -177,579.4 -223,698.8 -183,430.5 -365,367.6 -6,420,475.2                                                                                                                                                Otras cuentas por cobrar, neto 186,980.0 346,714.0 92,838.1 97,858.9 47,610.0 27,143.1 11,867.5 23,938.7 1,595.3 3,059.0 107,373.0 946,977.7 Bienes de uso, neto  1,601,098.3 535,437.7 679,911.8 310,143.2 137,079.8 225,381.8 16,367.3 45,369.8 38,199.0 49,750.9 35,644.2 3,674,383.9 Bienes recibidos en recuperacion de creditos, neto 77,408.1 127,690.0 13,093.9 41,475.9 58.1 894.4 5,593.5 7,603.4 8,056.6 1,365.4 0.0 283,239.2 Invesiones permanentes en acciones  236,481.2 1,433,337.1 70,902.4 28,290.6 7,188.9 6,750.0 0.0 0.0 0.0 0.0 0.0 1,782,950.2 Otros activos neto 373,929.0 463,363.1 141,604.9 197,525.0 497,086.2 81,758.9 249,003.6 68,848.2 20,474.3 29,655.0 54,228.7 2,177,476.8 Pasivo 59,026,131.3 48,216,389.6 40,663,323.0 20,019,579.5 12,103,472.8 5,289,030.8 11,328,465.5 1,633,640.3 1,082,494.7 1,533,772.8 3,036,094.2 203,932,394.4 Obligaciones con el Público 43,354,937.9 30,737,064.0 29,503,398.9 11,935,147.0 5,911,528.9 4,071,242.8 11,068,286.6 76,082.8 36,238.5 12,141.9 0.0 136,706,069.2 Moneda Nacional 15,934,551.5 7,897,402.5 6,428,184.0 1,901,773.1 772,646.3 632,618.3 2,909,861.3 0.0 0.0 0.0 0.0 36,477,036.9 Depositos a la Vista 9,013,135.6 4,529,189.1 4,032,507.8 361,124.3 611,542.4 418,558.3 2,004,755.3 0.0 0.0 0.0 0.0 20,970,812.8 Depositos de Ahorro 6,146,522.7 2,907,775.3 2,015,783.6 1,401,943.8 149,466.2 170,616.5 901,456.5 0.0 0.0 0.0 0.0 13,693,564.6 Depositos a Plazo 774,893.2 460,438.0 379,892.5 138,705.0 11,637.7 43,443.5 3,649.5 0.0 0.0 0.0 0.0 1,812,659.5 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 26,777,937.5 22,322,040.0 22,631,334.3 9,625,043.0 5,034,939.9 3,339,785.4 7,787,651.2 0.0 0.0 0.0 0.0 97,518,731.3 Depositos a la Vista 8,078,675.1 5,756,676.2 6,237,211.7 739,986.1 1,367,922.5 654,462.2 7,247,639.9 0.0 0.0 0.0 0.0 30,082,573.6 Depositos de Ahorro 10,185,038.1 8,817,845.5 9,402,609.3 5,001,716.9 1,208,963.9 836,259.9 290,580.7 0.0 0.0 0.0 0.0 35,743,014.2 Depositos a Plazo 8,514,224.4 7,747,518.4 6,991,513.2 3,883,340.0 2,458,053.5 1,849,063.3 249,430.6 0.0 0.0 0.0 0.0 31,693,143.4 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 411,618.1 332,252.1 278,755.2 277,564.8 48,226.5 64,410.9 360,455.2 75,755.9 36,156.7 12,138.2 0.0 1,897,333.5 Cargos financieros por pagar sobre obligaciones con el Público 230,830.8 185,369.4 165,125.4 130,766.1 55,716.3 34,428.3 10,318.9 326.9 81.7 3.7 0.0 812,967.6                                                                                                                                                Obligaciones con Instituciones financieras y por otros financiamientos 9,391,442.0 10,233,689.3 9,780,548.8 6,532,796.5 4,402,026.4 1,094,657.6 8,023.4 1,482,317.5 891,948.6 1,386,825.8 2,734,154.0 47,938,430.0 Por Depósitos de Instituciones Financieras 1,390,980.3 1,651,681.3 5,048,998.9 1,425,099.5 1,447,152.2 715,552.6 0.0 0.0 0.0 0.0 0.0 11,679,464.8 Por Préstamos con Instituciones Financieras y por Otros Financiamientos 7,837,976.2 8,416,752.8 4,615,476.8 4,990,102.1 2,867,785.7 349,327.2 7,764.6 1,445,705.3 881,580.3 1,361,442.8 2,696,178.9 35,470,092.6 Préstamos de la Financiera Nicaraguense de Inversiones 518,838.6 524,112.2 54,379.5 427,696.3 470,013.8 0.0 0.0 0.0 0.0 0.0 0.0 1,995,040.3 Préstamos del Banco Centroaméricano de Integración Económica 866,549.5 2,093,059.1 878,080.3 676,538.3 425,718.0 0.0 0.0 0.0 0.0 0.0 0.0 4,939,945.2 Préstamos de Otras Instituciones Financieras del Exterior 0.0 0.0 482,952.0 225,377.6 1,159,084.8 0.0 0.0 0.0 811,990.8 0.0 1,161,858.7 3,841,263.8 Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. 6,452,588.1 5,799,581.5 3,200,064.9 3,660,489.9 812,969.2 349,327.2 7,764.6 1,445,705.3 69,589.5 1,361,442.8 1,534,320.2 24,693,843.3 Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos 162,485.5 165,255.2 116,073.1 117,595.0 87,088.5 29,777.8 258.8 36,612.2 10,368.3 25,383.0 37,975.1 788,872.6                                                                                                                                                Obligaciones con el Banco Central de Nicaragua 502,170.3 266,337.8 0.0 156,418.0 706,157.1 23,128.7 0.0 0.0 0.0 0.0 0.0 1,654,211.9 Operaciones con Reportos y Valores Derivados 3,986,035.9 3,506,055.2 488,462.3 655,120.7 295,765.1 0.0 0.0 0.0 0.0 0.0 0.0 8,931,439.2 Otras cuentas por pagar  164,501.9 181,687.2 209,780.9 25,522.8 246,430.6 34,076.0 30,872.6 10,936.5 18,470.5 10,563.3 14,902.5 947,745.0 Otros pasivos y provisiones 622,484.1 759,213.9 681,132.1 225,830.3 208,123.2 65,925.6 221,283.0 64,303.6 37,022.5 23,310.6 62,047.3 2,970,676.1 Obligaciones subordinadas  1,004,559.1 2,532,342.2 0.0 488,744.2 333,441.5 0.0 0.0 0.0 98,814.5 85,821.9 224,990.4 4,768,713.7 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 15,109.3 0.0 15,109.3 Patrimonio 8,342,691.9 7,878,378.5 9,174,068.8 2,423,013.3 1,622,675.1 934,720.3 682,358.6 440,793.7 209,967.2 189,011.5 450,825.7 32,348,504.7 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 -82,417.4 800.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 -81,617.4 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 3,636,704.3 662,242.4 408,206.5 -0.1 77,886.2 121,345.6 75,783.3 25,235.7 31,052.0 7,994,559.1 Resultados del Periodo 998,827.9 1,242,347.0 1,182,562.6 147,615.1 41,054.9 31,891.6 65,340.2 -65,577.6 -179,959.9 -109,494.8 -162,281.0 3,192,325.9 Cuentas contingentes 21,511,004.6 11,771,807.0 8,834,487.4 1,548,433.2 5,945,443.7 204,838.3 488,558.9 0.0 0.0 608.5 0.0 50,305,181.6 Cuentas de orden 100,885,133.0 51,476,062.2 285,429,728.7 63,020,568.8 19,823,021.0 14,262,442.6 84,096,552.8 2,433,635.4 3,638,888.8 2,238,429.0 3,117,149.5 630,421,611.7 La informacion de este Estado Financiero no ha sido auditada TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2017 C$ 30.6636 X US$ 1.00 TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2018 C$ 32.1968 X US$ 1.00 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”