| 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 | 62,442,758.4 | 53,658,056.8 | 48,020,363.1 | 22,047,198.6 | 13,406,704.8 | 6,092,028.9 | 12,375,453.8 | 2,004,712.4 | 1,258,570.7 | 1,704,368.3 | 3,402,277.8 | 226,412,493.5 | | Disponibilidades | 12,828,814.0 | 8,229,320.8 | 12,435,182.7 | 3,674,849.0 | 2,414,638.3 | 1,122,616.1 | 4,880,736.7 | 412,378.4 | 102,145.4 | 180,602.3 | 596,107.5 | 46,877,391.2 | | Moneda Nacional | 4,455,217.5 | 2,290,168.1 | 3,161,994.8 | 741,398.2 | 325,615.9 | 322,103.8 | 1,295,548.1 | 56,360.7 | 35,395.5 | 72,712.2 | 170,750.2 | 12,927,264.9 | | Caja | 1,477,125.3 | 953,890.4 | 1,843,983.1 | 222,063.4 | 95,907.0 | 161,372.8 | 17,417.6 | 12,569.0 | 4,861.8 | 22,645.1 | 74,755.3 | 4,886,590.7 | | Banco Central de Nicaragua | 2,958,283.1 | 1,328,309.3 | 1,317,851.1 | 489,834.9 | 204,687.5 | 148,452.6 | 1,278,130.5 | 3,519.1 | 8.6 | 99.6 | 0.0 | 7,729,176.1 | | Depositos e Instituciones Financieras del Pais | 17,231.8 | 4,979.1 | 120.9 | 28,637.5 | 25,021.4 | 10,928.0 | 0.0 | 40,272.7 | 30,525.2 | 49,967.5 | 95,994.9 | 303,679.1 | | Otras disponibilidades | 2,577.3 | 2,989.3 | 39.7 | 862.4 | 0.0 | 1,350.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,819.1 | | | | | | | | | | | | | | | | Moneda Extranjera | 8,373,596.5 | 5,939,152.7 | 9,273,187.9 | 2,933,450.8 | 2,089,022.4 | 800,512.3 | 3,585,188.6 | 356,017.6 | 66,749.9 | 107,890.2 | 425,357.3 | 33,950,126.2 | | Caja | 789,226.3 | 513,805.3 | 1,694,067.6 | 303,399.9 | 160,756.2 | 164,354.2 | 9,853.9 | 8,735.0 | 1,419.8 | 7,211.6 | 32,566.0 | 3,685,395.7 | | Banco Central de Nicaragua | 4,963,353.9 | 3,849,652.4 | 4,951,374.6 | 1,864,328.8 | 893,695.6 | 526,740.7 | 3,242,624.8 | 6,322.2 | 5,334.5 | 1,939.8 | 0.0 | 20,305,367.3 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 163,627.4 | 0.0 | 1,814.4 | 166,076.3 | 223,716.0 | 51,846.7 | 98,738.7 | 133,410.7 | 839,230.3 | | Depositos en Instituciones Financieras del exterior | 2,592,182.4 | 1,327,096.4 | 2,627,639.6 | 572,214.9 | 906,932.5 | 103,894.7 | 25,978.3 | 117,244.5 | 8,148.9 | 0.0 | 259,380.6 | 8,540,712.9 | | Otras disponibilidades | 28,833.9 | 248,598.6 | 106.2 | 29,879.7 | 127,638.0 | 3,708.3 | 140,655.3 | 0.0 | 0.0 | 0.0 | 0.0 | 579,420.0 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 2,524,322.6 | 6,406,959.7 | 239,096.7 | 221,849.1 | 992,675.1 | 750,448.0 | 4,363,352.7 | 324.0 | 0.0 | 40,649.9 | 45.7 | 15,539,723.4 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 111,976.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 111,976.8 | | Inversiones Disponibles para la Venta | 193.7 | 5,157,140.1 | 239,096.7 | 74,825.8 | 880,698.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,351,954.5 | | Inversiones Mantenidas Hasta el Vencimiento | 2,524,129.0 | 1,249,819.5 | 0.0 | 147,023.4 | 0.0 | 750,448.0 | 4,363,352.7 | 324.0 | 0.0 | 40,649.9 | 45.7 | 9,075,792.1 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 3,966,175.0 | 3,544,259.4 | 402,888.6 | 764,334.7 | 939,659.5 | 0.0 | 180,491.8 | 0.0 | 0.0 | 43,287.4 | 0.0 | 9,841,096.3 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 40,684,827.5 | 32,526,290.6 | 34,019,605.3 | 16,720,362.8 | 8,383,781.5 | 3,882,534.9 | 2,620,346.3 | 1,445,017.7 | 1,083,202.1 | 1,360,402.4 | 2,699,303.9 | 145,425,674.7 | | Créditos vigentes | 38,099,784.7 | 30,771,770.0 | 31,713,204.5 | 16,051,719.9 | 7,854,796.9 | 3,623,737.9 | 2,545,726.8 | 1,413,626.2 | 927,757.5 | 1,202,965.4 | 2,669,754.2 | 136,874,844.0 | | Créditos prorrogados | 1,005,299.2 | 345,067.5 | 1,840,869.2 | 167,845.4 | 124,804.9 | 10,682.3 | 0.0 | 10,469.1 | 92,051.9 | 0.0 | 0.0 | 3,597,089.5 | | Créditos reestructurados | 1,510,812.8 | 1,275,035.5 | 736,870.8 | 525,775.0 | 458,107.2 | 288,088.6 | 65,050.9 | 81,128.0 | 158,006.1 | 91,813.6 | 54,969.7 | 5,245,658.2 | | Créditos vencidos | 567,527.0 | 661,242.0 | 621,739.5 | 311,370.7 | 223,599.3 | 73,468.8 | 0.0 | 83,862.6 | 59,890.2 | 118,890.8 | 142,364.9 | 2,863,955.8 | | Créditos en cobro judicial | 220,602.3 | 264,103.3 | 332,554.1 | 172,402.2 | 7,933.1 | 39,766.0 | 18,618.0 | 0.0 | 11,795.0 | 816.3 | 0.0 | 1,068,590.2 | | Intereses y Comisiones por Cobrar sobre Creditos | 700,906.1 | 610,340.4 | 397,648.1 | 182,823.1 | 149,723.9 | 84,407.0 | 38,011.6 | 33,272.4 | 63,770.7 | 134,108.7 | 195,050.1 | 2,590,062.1 | | Provisiones por incobrabilidad de cartera de creditos | -1,420,104.7 | -1,401,268.2 | -1,623,280.9 | -691,573.5 | -435,183.9 | -237,615.6 | -47,061.0 | -177,340.5 | -230,069.4 | -188,192.4 | -362,835.0 | -6,814,525.1 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 171,415.6 | 352,528.4 | 90,416.9 | 99,604.6 | 168,859.1 | 23,385.2 | 11,516.4 | 25,221.8 | 1,194.0 | 1,765.4 | 13,071.7 | 958,979.0 | | Bienes de uso, neto | 1,583,530.5 | 526,216.1 | 675,813.1 | 314,519.6 | 152,857.7 | 222,444.7 | 16,342.4 | 44,953.6 | 37,427.3 | 48,812.7 | 33,772.6 | 3,656,690.4 | | Bienes recibidos en recuperacion de creditos, neto | 104,438.9 | 167,549.2 | 18,367.5 | 48,786.7 | 5,831.7 | 2,160.2 | 5,593.5 | 8,301.5 | 15,895.6 | 1,688.5 | 754.3 | 379,367.6 | | Invesiones permanentes en acciones | 238,066.1 | 1,475,143.2 | 71,623.6 | 27,873.7 | 7,188.9 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,826,645.5 | | Otros activos neto | 341,168.2 | 429,789.3 | 67,368.7 | 175,018.5 | 341,213.1 | 81,689.8 | 297,074.1 | 68,515.5 | 18,706.2 | 27,159.7 | 59,222.2 | 1,906,925.4 | | Pasivo | 54,077,873.3 | 45,702,242.9 | 38,815,739.3 | 19,690,973.1 | 11,782,453.0 | 5,156,020.8 | 11,673,270.3 | 1,561,440.9 | 1,065,156.2 | 1,518,467.9 | 2,949,120.9 | 193,992,758.6 | | Obligaciones con el Público | 39,115,836.3 | 29,000,026.5 | 28,633,778.3 | 11,893,648.8 | 5,801,343.2 | 3,949,075.3 | 11,354,658.6 | 60,408.5 | 36,605.7 | 12,194.8 | 0.0 | 129,857,576.1 | | Moneda Nacional | 12,518,280.0 | 7,103,646.5 | 6,259,124.0 | 1,831,050.0 | 677,122.8 | 638,080.0 | 2,874,863.2 | 0.0 | 0.0 | 0.0 | 0.0 | 31,902,166.5 | | Depositos a la Vista | 6,325,302.7 | 3,874,141.8 | 3,959,080.0 | 353,566.0 | 530,243.0 | 440,220.8 | 2,135,132.9 | 0.0 | 0.0 | 0.0 | 0.0 | 17,617,687.1 | | Depositos de Ahorro | 5,439,614.8 | 2,748,093.9 | 1,958,187.1 | 1,314,252.6 | 135,978.4 | 156,246.3 | 734,862.7 | 0.0 | 0.0 | 0.0 | 0.0 | 12,487,235.8 | | Depositos a Plazo | 753,362.5 | 481,410.8 | 341,856.9 | 163,231.4 | 10,901.4 | 41,612.9 | 4,867.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,797,243.5 | | 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 | 25,850,739.5 | 21,514,814.8 | 22,052,965.7 | 9,621,255.8 | 5,029,202.8 | 3,242,966.8 | 8,219,963.4 | 0.0 | 0.0 | 0.0 | 0.0 | 95,531,908.7 | | Depositos a la Vista | 7,675,479.4 | 5,204,806.6 | 6,144,209.7 | 715,035.6 | 1,471,853.7 | 609,367.8 | 7,574,594.1 | 0.0 | 0.0 | 0.0 | 0.0 | 29,395,347.0 | | Depositos de Ahorro | 9,965,640.6 | 8,512,330.4 | 9,241,482.5 | 5,136,329.6 | 1,188,185.3 | 837,454.9 | 398,135.9 | 0.0 | 0.0 | 0.0 | 0.0 | 35,279,559.1 | | Depositos a Plazo | 8,209,619.4 | 7,797,677.8 | 6,667,273.4 | 3,769,890.7 | 2,369,163.7 | 1,796,144.2 | 247,233.4 | 0.0 | 0.0 | 0.0 | 0.0 | 30,857,002.6 | | 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 | 520,754.7 | 193,168.2 | 157,544.2 | 307,626.4 | 38,354.5 | 31,049.8 | 258,862.0 | 60,011.6 | 36,334.4 | 12,188.6 | 0.0 | 1,615,894.3 | | Cargos financieros por pagar sobre obligaciones con el Público | 226,062.2 | 188,397.0 | 164,144.5 | 133,716.5 | 56,663.2 | 36,978.7 | 970.0 | 396.8 | 271.4 | 6.2 | 0.0 | 807,606.6 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 8,829,895.9 | 10,183,473.8 | 9,018,702.5 | 6,352,211.7 | 4,354,041.5 | 1,094,677.2 | 8,108.7 | 1,439,748.6 | 885,274.0 | 1,383,803.3 | 2,637,121.9 | 46,187,059.0 | | Por Depósitos de Instituciones Financieras | 1,228,086.0 | 1,716,376.2 | 4,769,869.3 | 1,381,699.0 | 1,596,295.8 | 709,552.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,401,879.1 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 7,470,827.3 | 8,308,785.9 | 4,137,939.2 | 4,850,706.1 | 2,674,849.7 | 350,777.8 | 7,796.8 | 1,405,838.9 | 870,620.3 | 1,361,553.1 | 2,601,308.4 | 34,041,003.6 | | Préstamos de la Financiera Nicaraguense de Inversiones | 520,189.4 | 518,737.1 | 53,898.5 | 421,571.2 | 471,965.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,986,361.7 | | Préstamos del Banco Centroaméricano de Integración Económica | 703,953.9 | 2,084,992.5 | 860,330.9 | 643,314.1 | 387,072.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,679,664.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 0.0 | 0.0 | 323,305.0 | 226,313.5 | 1,163,898.0 | 0.0 | 0.0 | 0.0 | 808,189.2 | 0.0 | 1,142,435.5 | 3,664,141.2 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 6,246,684.0 | 5,705,056.3 | 2,900,404.8 | 3,559,507.3 | 651,913.5 | 350,777.8 | 7,796.8 | 1,405,838.9 | 62,431.1 | 1,361,553.1 | 1,458,872.9 | 23,710,836.6 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 130,982.5 | 158,311.7 | 110,894.0 | 119,806.7 | 82,896.0 | 34,346.5 | 311.9 | 33,909.6 | 14,653.7 | 22,250.2 | 35,813.5 | 744,176.3 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 504,976.8 | 268,792.1 | 0.0 | 153,831.2 | 567,708.6 | 23,086.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,518,394.7 | | Operaciones con Reportos y Valores Derivados | 3,994,413.2 | 2,947,919.4 | 334,780.3 | 626,436.9 | 329,289.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,232,839.0 | | Otras cuentas por pagar | 150,546.1 | 145,712.6 | 227,299.6 | 22,952.2 | 233,033.7 | 31,400.5 | 41,429.6 | 9,240.0 | 14,002.1 | 6,955.4 | 15,679.2 | 898,250.9 | | Otros pasivos y provisiones | 480,827.1 | 682,565.3 | 601,178.6 | 147,199.0 | 159,420.4 | 57,781.9 | 269,073.5 | 52,043.9 | 29,183.6 | 15,108.9 | 69,291.4 | 2,563,673.4 | | Obligaciones subordinadas | 1,001,377.9 | 2,473,753.3 | 0.0 | 494,693.3 | 337,616.4 | 0.0 | 0.0 | 0.0 | 100,090.7 | 85,249.9 | 227,028.4 | 4,719,809.9 | | 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 | 15,155.6 | 0.0 | 15,155.6 | | Patrimonio | 8,364,885.1 | 7,955,813.9 | 9,204,623.8 | 2,356,225.5 | 1,624,251.8 | 936,008.1 | 702,183.4 | 443,271.5 | 193,414.5 | 185,900.4 | 453,157.0 | 32,419,734.9 | | 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 | 300,360.0 | 259,500.1 | 540,637.2 | 15,545,154.7 | | 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 | 5.8 | 8,196.3 | 33,353.7 | 410,556.7 | | 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 | -162.2 | -70,312.1 | 800.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -69,674.3 | | Reservas patrimoniales | 1,581,779.6 | 1,480,235.0 | 1,499,001.9 | 451,719.5 | 293,711.2 | 64,437.6 | 26,437.3 | 39,993.8 | 13,777.9 | 5,574.3 | 8,063.9 | 5,464,732.1 | | Resultados acumulados de ejercicios anteriores | 1,833,584.3 | 969,341.4 | 3,636,704.3 | 650,118.8 | 408,206.5 | -0.1 | 65,981.1 | 121,345.6 | 75,783.3 | 25,235.7 | 31,052.0 | 7,817,352.7 | | Resultados del Periodo | 1,021,183.4 | 1,307,677.1 | 1,213,117.6 | 80,827.2 | 42,631.6 | 33,179.3 | 85,165.0 | -63,099.8 | -196,512.6 | -112,605.9 | -159,949.8 | 3,251,613.0 | | Cuentas contingentes | 21,568,044.3 | 12,992,386.4 | 8,727,959.1 | 1,537,594.5 | 5,984,275.9 | 202,777.9 | 374,071.8 | 0.0 | 0.0 | 1,909.4 | 0.0 | 51,389,019.4 | | Cuentas de orden | 98,573,523.4 | 52,121,845.5 | 272,518,763.8 | 63,710,580.8 | 19,955,213.0 | 14,154,027.2 | 84,676,031.8 | 2,378,516.8 | 3,565,722.9 | 2,271,291.4 | 3,109,892.9 | 617,035,409.5 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2017 C$ 30.7909 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE DICIEMBRE DE 2018 C$ 32.3305 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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