| Descripción | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | PROCREDIT | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 68,557,698.9 | 61,020,160.1 | 57,293,075.7 | 24,698,220.1 | 14,600,892.1 | 6,043,400.5 | 11,156,315.2 | 2,375,327.0 | 1,743,733.1 | 2,076,712.1 | 3,850,069.5 | 253,415,604.3 | | Disponibilidades | 14,054,420.8 | 8,889,280.5 | 14,980,753.6 | 3,723,168.6 | 2,159,845.4 | 1,188,211.8 | 5,385,267.7 | 204,130.2 | 172,723.5 | 200,268.6 | 522,545.1 | 51,480,615.9 | | Moneda Nacional | 4,337,477.5 | 2,656,805.2 | 3,526,598.2 | 699,428.3 | 251,533.2 | 487,294.0 | 1,953,010.0 | 156,062.3 | 70,937.4 | 140,115.9 | 246,545.4 | 14,525,807.6 | | Caja | 1,795,315.3 | 1,053,695.7 | 1,695,707.4 | 224,802.7 | 125,214.9 | 241,274.1 | 39,255.9 | 13,179.0 | 24,166.4 | 30,590.7 | 65,654.0 | 5,308,856.1 | | Banco Central de Nicaragua | 2,403,390.5 | 1,485,215.6 | 1,636,334.3 | 410,577.7 | 106,806.6 | 242,730.8 | 1,890,676.6 | 94,920.5 | 5,027.7 | 100.0 | 0.0 | 8,275,780.2 | | Depositos e Instituciones Financieras del Pais | 8,447.3 | 2,184.0 | 33,805.3 | 15,758.3 | 15,691.5 | 425.8 | 0.0 | 47,962.8 | 41,743.3 | 109,400.3 | 180,891.4 | 456,309.9 | | Otras disponibilidades | 130,324.4 | 115,709.9 | 160,751.2 | 48,289.6 | 3,820.3 | 2,863.4 | 23,077.5 | 0.0 | 0.0 | 25.0 | 0.0 | 484,861.3 | | | | | | | | | | | | | | | | Moneda Extranjera | 9,716,943.3 | 6,232,475.3 | 11,454,155.5 | 3,023,740.3 | 1,908,312.1 | 700,917.8 | 3,432,257.7 | 48,067.9 | 101,786.1 | 60,152.7 | 275,999.6 | 36,954,808.3 | | Caja | 1,097,065.2 | 535,706.8 | 2,620,240.3 | 294,783.7 | 256,110.4 | 165,180.1 | 100,734.2 | 10,823.1 | 11,485.4 | 11,153.2 | 22,941.7 | 5,126,224.2 | | Banco Central de Nicaragua | 5,361,476.1 | 3,963,487.4 | 5,581,648.6 | 1,828,412.8 | 1,354,747.1 | 504,210.9 | 3,144,973.2 | 12,576.4 | 13,313.6 | 24,735.0 | 0.0 | 21,789,581.2 | | Depositos e Instituciones Financieras del Pais 1\ | 0.0 | 0.0 | 0.0 | 327,563.5 | 0.0 | 620.0 | 170,468.2 | 24,668.3 | 76,987.0 | 24,264.4 | 253,057.9 | 877,629.3 | | Depositos en Instituciones Financieras del exterior | 3,221,482.1 | 1,378,917.6 | 3,134,755.1 | 513,371.8 | 168,303.2 | 26,373.5 | 14,616.6 | 0.0 | 0.0 | 0.0 | 0.0 | 8,457,819.8 | | Otras disponibilidades | 36,919.9 | 354,363.5 | 117,511.5 | 59,608.5 | 129,151.5 | 4,533.2 | 1,465.7 | 0.0 | 0.0 | 0.0 | 0.0 | 703,553.8 | | | | | | | | | | | | | | | | Inversiones en valores, neto | 7,923,167.9 | 12,174,062.4 | 1,388,543.8 | 1,331,596.9 | 1,777,329.2 | 0.0 | 3,431,785.7 | 309.9 | 0.0 | 0.0 | 40,218.2 | 28,067,014.1 | | Inversiones al Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 707,748.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 707,748.1 | | Inversiones Disponibles para la Venta | 1,231,028.4 | 9,817,109.4 | 1,388,543.8 | 560,337.6 | 1,069,581.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 14,066,600.4 | | Inversiones Mantenidas Hasta el Vencimiento | 6,692,139.5 | 2,356,953.0 | 0.0 | 771,259.3 | 0.0 | 0.0 | 3,431,785.7 | 309.9 | 0.0 | 0.0 | 40,218.2 | 13,292,665.5 | | | | | | | | | | | | | | | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 618,032.9 | 0.0 | 606,127.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,224,160.4 | | | | | | | | | | | | | | | | Cartera de Creditos, neta | 44,062,260.5 | 37,399,068.1 | 39,845,683.2 | 19,147,470.7 | 9,639,066.5 | 4,500,761.4 | 1,633,309.4 | 2,006,110.8 | 1,493,982.6 | 1,783,841.1 | 3,164,292.9 | 164,675,847.3 | | Créditos vigentes | 42,976,582.7 | 36,306,129.0 | 39,880,297.5 | 18,851,339.2 | 9,462,508.8 | 4,424,183.4 | 1,603,616.0 | 1,975,486.9 | 1,440,220.5 | 1,691,245.7 | 3,075,368.6 | 161,686,978.3 | | Créditos prorrogados | 79,990.2 | 12,372.3 | 0.0 | 1,145.1 | 0.0 | 0.0 | 0.0 | 0.0 | 2,522.8 | 0.0 | 0.0 | 96,030.4 | | Créditos reestructurados | 930,392.1 | 902,882.2 | 161,833.8 | 300,045.7 | 148,670.4 | 92,339.6 | 258.1 | 35,622.3 | 23,465.7 | 265.5 | 653.6 | 2,596,428.9 | | Créditos vencidos | 227,193.2 | 323,553.1 | 228,866.6 | 164,107.7 | 155,172.9 | 43,813.4 | 17,830.6 | 28,575.5 | 18,959.2 | 69,554.6 | 36,681.3 | 1,314,308.1 | | Créditos en cobro judicial | 117,150.6 | 101,654.5 | 237,584.1 | 68,734.8 | 1,378.9 | 3,837.9 | 0.0 | 41.6 | 10,030.6 | 0.0 | 0.0 | 540,413.0 | | Intereses y Comisiones por Cobrar sobre Creditos | 652,995.6 | 590,159.1 | 400,869.1 | 186,700.6 | 189,817.2 | 81,257.2 | 33,008.1 | 39,601.8 | 47,859.4 | 122,423.2 | 140,392.2 | 2,485,083.5 | | Provisiones por incobrabilidad de cartera de creditos | -922,043.9 | -837,682.2 | -1,063,767.8 | -424,602.5 | -318,481.8 | -144,670.0 | -21,403.3 | -73,217.2 | -49,075.5 | -99,647.9 | -88,802.8 | -4,043,395.0 | | | | | | | | | | | | | | | | Otras cuentas por cobrar, neto | 149,420.7 | 313,811.5 | 114,892.6 | 109,163.0 | 34,773.6 | 24,855.4 | 8,873.4 | 28,384.2 | 922.0 | 4,605.6 | 10,043.2 | 799,745.2 | | Bienes de uso, neto | 1,265,597.4 | 574,487.3 | 715,127.2 | 155,980.8 | 137,371.6 | 215,915.1 | 28,015.2 | 47,989.6 | 44,846.5 | 46,370.9 | 45,551.0 | 3,277,252.6 | | Bienes recibidos en recuperacion de creditos, neto | 77,137.3 | 212,202.3 | 10,309.8 | 31,505.8 | 573.5 | 387.8 | 7,830.9 | 6,109.8 | 3,635.8 | 754.3 | 0.0 | 350,447.3 | | Invesiones permanentes en acciones | 224,081.2 | 1,097,327.3 | 69,992.1 | 26,820.8 | 6,750.0 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,431,721.4 | | Otros activos neto | 801,613.0 | 359,920.7 | 167,773.4 | 172,513.5 | 227,149.4 | 106,518.9 | 55,105.4 | 82,292.6 | 27,622.7 | 40,871.5 | 67,419.1 | 2,108,800.1 | | Pasivo | 61,092,161.0 | 54,004,264.6 | 49,144,729.1 | 22,387,869.8 | 13,007,817.5 | 5,242,797.3 | 10,534,997.8 | 1,860,412.2 | 1,423,985.8 | 1,772,851.9 | 3,323,324.9 | 223,795,211.7 | | Obligaciones con el Público | 50,863,855.6 | 37,892,475.6 | 40,019,752.1 | 13,929,444.6 | 8,073,209.1 | 4,124,348.5 | 10,464,124.0 | 122,555.0 | 40,819.9 | 155,732.5 | 0.0 | 165,686,316.9 | | Moneda Nacional | 14,614,818.4 | 9,163,526.4 | 8,582,869.3 | 2,053,248.6 | 653,014.4 | 546,420.9 | 3,531,664.5 | 0.0 | 0.0 | 0.0 | 0.0 | 39,145,562.4 | | Depositos a la Vista | 7,310,931.2 | 5,023,230.4 | 5,335,127.9 | 425,629.7 | 420,259.2 | 264,945.3 | 3,082,775.2 | 0.0 | 0.0 | 0.0 | 0.0 | 21,862,898.8 | | Depositos de Ahorro | 6,295,896.1 | 3,659,651.1 | 2,724,569.7 | 1,447,963.1 | 190,479.9 | 209,051.5 | 447,291.1 | 0.0 | 0.0 | 0.0 | 0.0 | 14,974,902.5 | | Depositos a Plazo | 1,007,991.1 | 480,645.0 | 523,171.7 | 179,655.8 | 42,275.3 | 72,424.1 | 1,598.2 | 0.0 | 0.0 | 0.0 | 0.0 | 2,307,761.2 | | 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 | 35,363,844.1 | 28,267,536.6 | 30,836,698.0 | 11,405,513.6 | 7,299,593.8 | 3,496,010.9 | 6,927,036.6 | 0.0 | 0.0 | 0.0 | 0.0 | 123,596,233.6 | | Depositos a la Vista | 8,909,923.1 | 6,375,968.5 | 8,913,778.0 | 821,115.9 | 1,733,190.3 | 745,612.4 | 6,543,690.0 | 0.0 | 0.0 | 0.0 | 0.0 | 34,043,278.2 | | Depositos de Ahorro | 15,036,118.0 | 12,348,805.6 | 12,811,177.4 | 5,971,769.7 | 1,824,063.8 | 1,144,898.8 | 49,869.6 | 0.0 | 0.0 | 0.0 | 0.0 | 49,186,702.9 | | Depositos a Plazo | 11,417,803.0 | 9,542,762.5 | 9,111,742.7 | 4,612,628.0 | 3,742,339.7 | 1,605,499.6 | 333,477.1 | 0.0 | 0.0 | 0.0 | 0.0 | 40,366,252.5 | | 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 | | | | | | | | | | | | | | | | Otras obligaciones | 626,554.4 | 270,558.6 | 427,529.0 | 346,324.3 | 52,252.0 | 61,003.1 | 1,540.3 | 121,285.8 | 40,256.0 | 154,594.0 | 0.0 | 2,101,897.6 | | Cargos financieros por pagar sobre obligaciones con el Público | 258,638.8 | 190,854.0 | 172,655.8 | 124,358.1 | 68,349.0 | 20,913.6 | 3,882.6 | 1,269.2 | 563.9 | 1,138.5 | 0.0 | 842,623.3 | | | | | | | | | | | | | | | | Obligaciones con Instituciones financieras y por otros financiamientos | 8,028,481.5 | 14,009,411.5 | 8,211,781.2 | 7,567,011.2 | 3,643,828.0 | 955,886.2 | 11,051.8 | 1,654,584.0 | 1,163,981.2 | 1,507,119.3 | 2,987,506.1 | 49,740,642.0 | | Por Depósitos de Instituciones Financieras | 1,147,803.8 | 1,785,982.6 | 3,430,029.3 | 1,462,091.2 | 1,243,923.8 | 638,745.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 9,708,575.9 | | Por Préstamos con Instituciones Financieras y por Otros Financiamientos | 6,787,657.3 | 12,127,033.0 | 4,686,349.6 | 6,009,550.1 | 2,361,215.8 | 283,767.3 | 8,699.1 | 1,622,937.2 | 1,140,250.9 | 1,482,911.4 | 2,937,838.2 | 39,448,210.0 | | Préstamos de la Financiera Nicaraguense de Inversiones | 489,322.7 | 568,858.5 | 68,801.4 | 479,560.4 | 460,765.2 | 28,112.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,095,421.1 | | Préstamos del Banco Centroaméricano de Integración Económica | 792,463.1 | 1,222,682.8 | 519,049.4 | 1,141,825.6 | 339,052.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,015,073.0 | | Préstamos de Otras Instituciones Financieras del Exterior | 737,116.5 | 0.0 | 463,782.0 | 371,025.6 | 1,020,320.4 | 0.0 | 0.0 | 0.0 | 1,014,061.6 | 0.0 | 1,086,440.3 | 4,692,746.3 | | Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos. | 4,768,755.0 | 10,335,491.6 | 3,634,716.8 | 4,017,138.5 | 541,078.1 | 255,654.7 | 8,699.1 | 1,622,937.2 | 126,189.3 | 1,482,911.4 | 1,851,398.0 | 28,644,969.6 | | Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos | 93,020.4 | 96,396.0 | 95,402.3 | 95,369.8 | 38,688.5 | 33,373.5 | 2,352.6 | 31,646.8 | 23,730.3 | 24,207.9 | 49,667.9 | 583,856.1 | | | | | | | | | | | | | | | | Obligaciones con el Banco Central de Nicaragua | 412,760.3 | 307,710.7 | 0.0 | 150,345.5 | 183,942.4 | 15,991.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,070,749.9 | | Operaciones con Reportos y Valores Derivados | 0.0 | 0.0 | 0.0 | 0.0 | 445,708.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 445,708.6 | | Otras cuentas por pagar | 242,043.1 | 243,675.8 | 246,048.0 | 49,374.7 | 144,152.3 | 49,088.6 | 33,304.3 | 15,801.2 | 66,757.3 | 13,195.8 | 61,208.6 | 1,164,649.6 | | Otros pasivos y provisiones | 611,290.6 | 722,704.7 | 667,147.8 | 216,495.4 | 206,690.9 | 97,483.0 | 26,517.7 | 67,472.0 | 55,879.0 | 18,118.3 | 57,087.8 | 2,746,887.3 | | Obligaciones subordinadas | 933,729.8 | 828,286.2 | 0.0 | 475,198.4 | 310,286.2 | 0.0 | 0.0 | 0.0 | 96,548.4 | 62,981.1 | 217,522.3 | 2,924,552.6 | | 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 | 15,704.9 | 0.0 | 15,704.9 | | Patrimonio | 7,465,537.9 | 7,015,895.5 | 8,148,346.7 | 2,310,350.3 | 1,593,074.6 | 800,603.2 | 621,317.4 | 514,914.8 | 319,747.2 | 303,860.3 | 526,744.6 | 29,620,392.5 | | Capital social pagado | 3,559,500.0 | 3,607,666.0 | 2,790,361.1 | 1,073,560.0 | 879,702.5 | 992,531.1 | 524,600.0 | 345,032.0 | 235,240.0 | 259,500.1 | 458,953.5 | 14,726,646.3 | | 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 | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 30,919.0 | 0.0 | 0.0 | 4.8 | 8,196.3 | 20,103.3 | 59,224.0 | | 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 | -65.1 | 2,717.1 | 155.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,807.0 | | Reservas patrimoniales | 1,428,602.1 | 1,246,868.3 | 1,499,001.9 | 439,595.8 | 293,711.2 | 64,437.6 | 14,532.2 | 39,993.8 | 12,565.2 | 4,859.2 | 8,063.9 | 5,052,231.2 | | Resultados acumulados de ejercicios anteriores | 2,355,761.8 | 2,013,914.1 | 3,701,343.2 | 762,242.4 | 408,206.5 | -294,273.3 | 77,886.2 | 121,345.6 | 68,911.0 | 28,245.3 | 31,052.0 | 9,274,634.8 | | Resultados del Periodo | 121,739.1 | 144,729.5 | 157,485.5 | 34,952.1 | 11,454.4 | 6,988.7 | 4,299.0 | 8,543.5 | 3,026.2 | 3,059.4 | 8,571.9 | 504,849.3 | | Cuentas contingentes | 22,032,447.8 | 10,856,239.4 | 9,876,634.7 | 1,619,505.3 | 7,340,695.0 | 94,788.5 | 130,418.1 | 0.0 | 267,297.9 | 0.0 | 0.0 | 52,218,026.7 | | Cuentas de orden | 101,104,743.8 | 47,664,044.0 | 265,258,395.5 | 55,304,730.1 | 13,895,059.1 | 13,877,358.3 | 76,336,443.2 | 3,093,587.6 | 3,367,481.3 | 3,448,213.3 | 2,908,153.8 | 586,258,210.2 |
| | La informacion de este Estado Financiero no ha sido auditada | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2017 C$ 29.4465 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2018 C$ 30.9188 X US$ 1.00 | | 1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País” |
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