SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA)
Balance de Situación (Condensado)
Al 30 de Noviembre del 2017
(Expresado en miles de Córdobas)
DescripciónBANPROBANCO LAFISE BANCENTROBACBDFBANCO FICOHSAPROCREDITBANCORPFINANCIERA FAMAFINANCIERA FINCA NICARAGUAFINANCIERA FUNDESERFinanciera FDL, S.A.Sistema Bancario y Financiero
Activo68,283,928.258,239,969.355,639,828.524,551,217.414,349,755.55,828,857.010,393,228.62,318,039.61,785,704.92,088,757.13,732,161.2247,211,447.4
Disponibilidades14,908,905.810,258,074.213,607,885.23,989,663.11,962,535.01,047,352.86,154,284.1166,879.1204,354.3153,782.0409,031.952,862,747.5
Moneda Nacional5,268,874.03,535,343.73,872,226.5957,674.9350,407.3329,689.62,012,255.4137,335.934,974.955,075.9122,517.816,676,375.7
Caja1,836,644.81,395,152.31,585,586.3248,550.9120,219.0260,160.432,453.714,188.223,116.828,149.971,514.45,615,736.8
Banco Central de Nicaragua3,292,776.51,983,151.12,068,375.0494,289.2213,724.761,432.91,660,974.086,120.84,212.7100.00.09,865,156.9
Depositos e Instituciones Financieras del Pais 24,846.3355.729,945.7184,799.88,521.52,969.20.037,026.97,645.426,571.151,003.4373,684.9
Otras disponibilidades114,606.4156,684.6188,319.530,034.97,942.25,127.0318,827.70.00.0254.90.0821,797.1
Moneda Extranjera9,640,031.86,722,730.59,735,658.73,031,988.21,612,127.7717,663.34,142,028.729,543.2169,379.498,706.1286,514.136,186,371.8
Caja1,177,345.9551,711.02,120,818.0213,956.1163,578.9163,012.816,409.09,379.411,223.510,038.724,534.54,462,007.9
Banco Central de Nicaragua5,491,306.84,223,550.45,195,427.21,984,914.01,033,998.0522,661.53,947,164.53,054.410,996.024,530.90.022,437,603.6
Depositos e Instituciones Financieras del Pais  1\0.00.00.085,692.50.0663.0168,160.217,109.3147,159.964,136.6261,979.7744,901.1
Depositos en Instituciones Financieras del exterior 2,876,084.61,631,473.82,306,965.6648,534.7276,423.619,043.37,951.40.00.00.00.07,766,477.0
Otras disponibilidades95,294.5315,995.4112,447.998,891.0138,127.212,282.72,343.60.00.00.00.0775,382.2
Inversiones en valores, neto8,078,832.18,469,886.6614,531.01,120,027.81,036,398.90.01,718,212.0307.80.00.044.621,038,240.8
Inversiones al Valor Razonable con Cambios en Resultados 0.00.00.00.0385,367.70.00.00.00.00.00.0385,367.7
Inversiones Disponibles para la Venta520,018.56,139,013.5614,531.0424,406.2651,031.30.00.00.00.00.00.08,349,000.5
Inversiones Mantenidas Hasta el Vencimiento7,558,813.52,330,873.00.0695,621.60.00.01,718,212.0307.80.00.044.612,303,872.6
Operaciones con Reportos y  Valores Derivados0.0568,685.20.061,347.31,481,663.90.0830,908.50.00.00.00.02,942,604.9
Cartera de Creditos, neta42,812,788.136,497,589.040,398,893.818,924,912.49,472,104.84,425,496.01,580,809.51,997,033.71,504,974.81,834,889.23,194,651.9162,644,143.0
Créditos vigentes 41,280,021.935,400,673.740,282,848.318,643,760.89,307,376.34,351,694.31,575,467.61,971,458.51,454,327.61,716,303.13,085,273.6159,069,205.7
Créditos prorrogados619,937.499,544.90.01,135.60.00.00.00.03,088.10.00.0723,706.0
Créditos reestructurados863,747.5913,969.6166,398.1281,456.7139,091.093,280.85,036.630,813.522,336.9263.3685.72,517,079.6
Créditos vencidos246,215.8268,061.5479,285.2194,165.8158,699.935,651.60.028,793.616,474.673,669.734,543.61,535,561.4
Créditos en cobro judicial97,481.795,567.0135,637.561,605.91,367.64,677.00.0140.77,236.80.00.0403,714.2
Intereses y Comisiones por Cobrar sobre Creditos633,370.6530,688.8364,678.6168,471.0188,763.977,077.123,225.438,247.548,135.6147,474.4162,449.52,382,582.5
Provisiones por incobrabilidad de cartera de creditos -927,986.8-810,916.5-1,029,953.8-425,683.4-323,194.0-136,884.9-22,920.1-72,420.2-46,624.9-102,821.5-88,300.6-3,987,706.5
Otras cuentas por cobrar, neto146,144.3297,358.6103,225.575,799.435,591.026,667.613,706.122,567.41,994.88,280.112,011.7743,346.4
Bienes de uso, neto 1,228,055.5577,564.4711,404.9164,454.8135,567.1218,908.030,624.148,770.345,919.147,751.046,780.53,255,799.7
Bienes recibidos en recuperacion de creditos, neto119,458.9182,118.710,733.029,145.7573.512,914.17,830.96,979.52,764.21,799.5143.9374,461.9
Invesiones permanentes en acciones 214,697.01,026,913.569,858.525,958.76,750.06,750.00.00.00.00.00.01,350,927.8
Otros activos neto775,046.6361,779.0123,296.6159,908.3218,571.490,768.456,853.375,501.925,697.842,255.369,496.81,999,175.4
Pasivo61,108,254.351,423,559.447,761,911.422,312,826.412,779,932.35,073,859.59,774,234.81,820,224.31,470,771.31,789,046.03,196,067.7218,510,687.5
Obligaciones con el Público51,355,219.937,118,744.638,590,059.314,717,927.27,639,895.03,801,530.79,704,721.3243,933.7100,859.5153,702.80.0163,426,593.8
Moneda Nacional15,721,254.59,224,607.38,199,681.42,117,889.2655,048.4451,805.42,909,784.00.00.00.00.039,280,070.2
Depositos a la Vista8,070,792.74,971,687.85,188,099.3424,497.1465,601.6219,201.42,742,517.10.00.00.00.022,082,396.9
Depositos de Ahorro6,709,978.63,754,550.52,646,945.01,512,996.3162,664.5191,816.9155,637.80.00.00.00.015,134,589.6
Depositos a Plazo940,483.2498,369.0364,637.1180,395.826,782.340,787.111,629.20.00.00.00.02,063,083.7
Otros Depósitos del Público0.00.00.00.00.00.00.00.00.00.00.00.0
Moneda Extranjera34,963,940.127,400,736.529,777,181.711,575,306.96,854,518.93,249,815.26,773,237.40.00.00.00.0120,594,736.7
Depositos a la Vista9,054,150.36,749,402.28,791,508.7979,517.61,375,196.6699,769.06,376,553.00.00.00.00.034,026,097.5
Depositos de Ahorro14,701,100.511,671,851.012,231,143.65,938,857.81,780,021.81,092,450.068,170.10.00.00.00.047,483,594.8
Depositos a Plazo11,208,689.38,979,483.28,754,529.44,656,931.63,699,300.51,457,596.2328,514.30.00.00.00.039,085,044.5
Otros Depósitos del Público0.00.00.00.00.00.00.00.00.00.00.00.0
Otras obligaciones435,525.9296,640.7443,977.5887,740.151,064.479,025.011,125.6241,336.0100,650.5153,318.00.02,700,403.8
Cargos financieros por pagar sobre obligaciones con el Público234,499.4196,760.1169,218.6136,990.979,263.120,885.110,574.32,597.6209.0384.80.0851,383.1
Obligaciones con Instituciones financieras y por otros financiamientos7,505,783.811,613,721.48,094,044.36,605,818.83,503,019.71,110,684.510,845.51,487,124.61,152,399.61,519,889.62,902,876.445,506,208.2
Por Depósitos de Instituciones Financieras1,076,621.41,459,708.03,312,374.31,470,966.81,252,413.7672,419.90.00.00.00.00.09,244,504.2
Por Préstamos con Instituciones Financieras y por Otros Financiamientos6,310,531.510,043,334.04,683,338.45,046,287.72,201,556.3405,830.78,627.31,454,828.81,137,560.71,498,005.52,867,065.035,656,965.8
Préstamos de la Financiera Nicaraguense de Inversiones430,873.5574,010.270,260.5397,509.5459,954.029,631.80.00.00.00.00.01,962,239.5
Préstamos del Banco Centroaméricano de Integración Económica497,130.41,245,681.4516,681.71,052,749.6346,408.50.00.00.00.00.00.03,658,651.6
Préstamos de Otras Instituciones Financieras del Exterior580,355.20.0459,954.0367,963.21,011,898.80.00.00.01,055,535.70.01,016,145.74,491,852.6
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.4,802,172.48,223,642.43,636,442.23,228,065.4383,295.0376,198.98,627.31,454,828.882,025.01,498,005.51,850,919.325,544,222.1
Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos118,630.8110,679.498,331.688,564.349,049.632,433.92,218.232,295.914,839.021,884.135,811.4604,738.1
Obligaciones con el Banco Central de Nicaragua412,578.1305,576.70.0148,164.1183,132.515,829.40.00.00.00.00.01,065,280.9
Operaciones con Reportos y Valores Derivados0.0488,123.20.00.0711,781.60.00.00.00.00.00.01,199,904.8
Otras cuentas por pagar 228,296.1264,580.1326,101.7153,664.6191,849.934,761.727,440.312,116.868,147.515,091.220,743.91,342,793.9
Otros pasivos y provisiones651,567.1752,147.3751,706.0211,683.8221,966.9111,053.231,227.777,049.155,255.722,403.255,715.42,941,775.7
Obligaciones subordinadas 954,809.2880,666.20.0475,567.9328,286.80.00.00.094,109.062,879.7216,732.03,013,050.8
Impuestos diferidos0.00.00.00.00.00.00.00.00.00.00.00.0
Reservas para obligaciones laborales al retiro0.00.00.00.00.00.00.00.00.015,079.50.015,079.5
Patrimonio7,175,674.06,816,409.87,877,917.22,238,391.01,569,823.2754,997.4618,993.8497,815.4314,933.6299,711.1536,093.528,700,759.9
Capital social pagado3,559,500.03,607,666.02,790,361.11,073,560.0879,702.5992,531.1524,600.0345,032.0235,240.0259,500.1458,953.514,726,646.3
Capital donado0.00.00.00.00.00.00.00.00.00.00.00.0
Aportes patrimoniales no capitalizables 0.00.60.00.00.00.20.00.04.88,196.320,103.328,305.2
Obligaciones convertibles en capital0.00.00.00.00.00.00.00.00.00.00.00.0
Ajustes al patrimonio-13.7-8,531.0800.00.00.00.00.00.00.00.00.0-7,744.7
Reservas patrimoniales1,206,744.81,246,868.31,279,405.8387,110.5272,362.056,572.16,460.527,886.28,831.54,859.20.04,497,100.8
Resultados acumulados de ejercicios anteriores1,098,570.5558,136.12,456,965.5464,825.6287,227.9-338,845.032,146.552,735.647,753.721,183.4-14,643.54,666,056.3
Resultados del Periodo1,310,872.31,412,269.91,350,384.7312,894.9130,530.844,739.055,786.872,161.623,103.55,972.171,680.24,790,395.9
Cuentas contingentes22,079,074.510,059,240.69,525,941.41,598,094.47,256,691.562,508.9112,369.50.0251,943.10.00.050,945,863.9
Cuentas de orden98,061,193.344,590,485.2275,239,385.767,424,962.512,136,053.513,485,176.074,509,950.03,118,303.93,336,644.12,426,569.32,300,823.5596,629,547.1
La informacion de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2016 C$ 29.2038 X US$ 1.00
TIPO DE CAMBIO OFICIAL AL 30 DE NOVIEMBRE DE 2017 C$ 30.6636 X US$ 1.00
1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”