SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA)
Balance de Situación (Condensado)
Al 31 de Mayo del 2018
(Expresado en miles de Córdobas)
DescripciónBANPROBANCO LAFISE BANCENTROBACBDFBANCO FICOHSAAVANZBANCORPFINANCIERA FAMAFINANCIERA FINCA NICARAGUAFINANCIERA FUNDESERFinanciera FDL, S.A.Sistema Bancario y Financiero
Activo70,808,482.662,124,641.457,390,603.825,044,174.515,015,666.06,676,529.012,597,743.82,393,340.21,857,049.41,899,008.63,701,517.1259,508,756.3
Disponibilidades14,763,082.810,850,147.814,791,367.24,010,676.02,337,093.11,690,615.75,517,369.1177,935.1330,116.7154,256.1435,097.555,057,757.0
Moneda Nacional5,774,645.02,804,245.93,272,105.91,083,268.3347,290.7305,266.71,770,948.9111,765.1116,425.285,597.0310,452.415,982,011.3
Caja1,871,415.91,109,226.32,066,445.6304,783.1233,929.3162,883.117,261.814,826.119,642.638,331.274,078.05,912,822.9
Banco Central de Nicaragua3,793,362.81,625,975.31,059,458.9639,088.6105,770.0138,367.81,753,636.566,320.052,649.4100.00.09,234,729.4
Depositos e Instituciones Financieras del Pais 23,649.71,886.139,968.534,011.85,253.22,128.20.030,619.044,133.246,325.1236,374.4464,349.2
Otras disponibilidades86,216.667,158.3106,232.9105,384.82,338.21,887.750.60.00.0840.70.0370,109.7
Moneda Extranjera8,988,437.88,045,901.911,519,261.32,927,407.71,989,802.31,385,348.93,746,420.266,170.0213,691.568,659.1124,645.139,075,745.7
Caja955,629.2410,272.71,533,835.5217,895.2221,680.1146,409.030,593.19,664.99,175.711,261.335,950.23,582,366.9
Banco Central de Nicaragua4,817,687.94,632,512.27,437,766.62,014,914.1932,539.8763,243.43,411,385.325,309.390,423.025,135.00.024,150,916.6
Depositos e Instituciones Financieras del Pais  1\0.00.00.0224,758.20.01,203.5158,105.331,195.8114,092.732,262.888,694.9650,313.2
Depositos en Instituciones Financieras del exterior 3,159,182.72,698,624.52,465,258.7401,712.1705,641.8460,796.45,094.50.00.00.00.09,896,310.7
Otras disponibilidades55,938.0304,492.482,400.568,128.1129,940.813,696.6141,241.90.00.00.00.0795,838.3
Inversiones en valores, neto6,774,040.710,436,901.81,315,871.11,260,647.31,274,738.20.04,775,742.395,113.30.00.046.725,933,101.4
Inversiones al Valor Razonable con Cambios en Resultados 0.00.00.00.0366,448.10.00.00.00.00.00.0366,448.1
Inversiones Disponibles para la Venta163,317.37,285,531.91,315,871.1497,760.4908,290.20.00.00.00.00.00.010,170,770.9
Inversiones Mantenidas Hasta el Vencimiento6,610,723.43,151,369.90.0762,886.90.00.04,775,742.395,113.30.00.046.715,395,882.4
Operaciones con Reportos y  Valores Derivados1,698,613.6548,793.60.00.0886,485.10.0590,664.35,715.70.00.00.03,730,272.3
Cartera de Creditos, neta45,081,782.737,533,433.840,210,789.219,228,738.110,092,508.54,618,695.51,619,901.31,947,306.91,446,678.91,650,350.53,148,155.6166,578,341.0
Créditos vigentes 44,027,870.736,469,782.940,228,514.318,923,380.99,888,496.74,540,714.31,558,481.81,915,460.31,386,339.91,578,798.73,079,319.7163,597,160.1
Créditos prorrogados53,330.49,723.012,184.0648.00.02,151.50.00.011,630.70.00.089,667.7
Créditos reestructurados958,392.8885,578.0191,931.0316,501.1196,442.9104,101.938,553.340,048.626,458.217,011.617,161.62,792,180.9
Créditos vencidos269,900.3378,114.6221,097.3194,580.1170,500.948,728.921,757.734,217.031,272.398,402.672,853.31,541,425.0
Créditos en cobro judicial124,538.1140,291.1281,066.376,258.91,401.215,239.80.028.69,250.50.00.0648,074.6
Intereses y Comisiones por Cobrar sobre Creditos680,132.3622,121.7377,909.1183,029.5203,216.273,423.031,585.942,293.145,034.791,042.7125,703.82,475,492.1
Provisiones por incobrabilidad de cartera de creditos -1,032,381.9-972,177.4-1,101,912.9-465,660.4-367,549.4-165,663.9-30,477.5-84,740.6-63,307.5-134,905.1-146,882.8-4,565,659.3
Otras cuentas por cobrar, neto163,201.0372,401.5107,182.1150,273.132,658.531,744.712,171.336,661.01,565.44,437.111,887.3924,183.1
Bienes de uso, neto 1,717,805.1568,208.6711,480.2151,712.6141,598.8230,920.221,795.749,810.242,286.746,752.640,474.13,722,844.8
Bienes recibidos en recuperacion de creditos, neto74,604.8173,947.911,655.732,355.0573.5387.85,593.56,166.96,111.82,229.20.0313,626.2
Invesiones permanentes en acciones 224,081.21,211,473.370,568.627,376.67,188.96,750.00.00.00.00.00.01,547,438.7
Otros activos neto311,270.6429,333.1171,689.9182,395.8242,821.397,415.154,506.374,631.030,289.840,983.065,855.81,701,191.8
Pasivo62,898,687.454,758,249.648,712,003.222,625,634.613,394,564.05,767,866.111,969,097.11,859,918.51,541,036.11,663,794.33,186,691.3228,377,542.1
Obligaciones con el Público50,339,881.736,489,044.136,669,298.813,671,715.77,239,729.44,319,103.811,910,772.5116,916.141,611.0157,516.00.0160,955,589.0
Moneda Nacional16,524,372.88,991,227.27,242,518.82,030,950.7681,210.6573,191.43,953,700.40.00.00.00.039,997,172.0
Depositos a la Vista8,621,349.14,963,957.24,424,441.9373,862.8443,907.0269,190.12,812,593.60.00.00.00.021,909,301.6
Depositos de Ahorro6,551,747.13,547,924.92,323,723.31,496,011.8209,110.2257,236.91,127,212.30.00.00.00.015,512,966.5
Depositos a Plazo1,351,276.7479,345.1494,353.6161,076.028,193.446,764.413,894.60.00.00.00.02,574,903.9
Otros Depósitos del Público0.00.00.00.00.00.00.00.00.00.00.00.0
Moneda Extranjera33,138,797.427,052,959.128,712,833.911,167,379.76,471,291.53,654,265.47,789,881.10.00.00.00.0117,987,408.0
Depositos a la Vista7,912,323.76,229,030.87,693,457.5740,354.71,586,836.6808,446.67,286,134.70.00.00.00.032,256,584.7
Depositos de Ahorro13,614,753.011,650,851.111,866,629.45,676,062.61,632,213.41,039,271.678,216.30.00.00.00.045,557,997.5
Depositos a Plazo11,611,720.79,173,077.19,152,747.04,750,962.33,252,241.61,806,547.1425,530.10.00.00.00.040,172,825.9
Otros Depósitos del Público0.00.00.00.00.00.00.00.00.00.00.00.0
Otras obligaciones382,587.0249,698.5532,193.2326,513.730,965.565,089.4156,810.1116,084.741,485.0157,093.50.02,058,520.6
Cargos financieros por pagar sobre obligaciones con el Público294,124.4195,159.3181,752.9146,871.756,261.726,557.610,380.9831.4126.0422.50.0912,488.3
Obligaciones con Instituciones financieras y por otros financiamientos8,915,284.214,670,675.511,128,754.17,943,911.34,634,242.81,290,564.711,466.21,664,502.61,277,123.71,388,273.32,858,684.055,783,482.4
Por Depósitos de Instituciones Financieras1,245,933.11,598,391.85,788,141.41,451,250.91,615,764.2642,980.30.00.00.00.00.012,342,461.7
Por Préstamos con Instituciones Financieras y por Otros Financiamientos7,532,424.812,954,765.85,227,029.86,385,907.22,943,505.3614,410.18,839.81,625,040.01,262,340.61,364,445.42,814,387.942,733,096.5
Préstamos de la Financiera Nicaraguense de Inversiones536,737.6549,192.262,035.8462,275.6465,051.025,492.80.00.00.00.00.02,100,785.1
Préstamos del Banco Centroaméricano de Integración Económica1,035,188.01,815,990.2125,674.8794,404.6483,367.70.00.00.00.00.00.04,254,625.4
Préstamos de Otras Instituciones Financieras del Exterior0.00.0471,280.5377,024.41,036,817.10.00.00.01,123,495.30.01,041,875.54,050,492.8
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.5,960,499.110,589,583.44,568,038.74,752,202.5958,269.4588,917.38,839.81,625,040.0138,845.31,364,445.41,772,512.432,327,193.3
Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos136,926.3117,518.0113,582.8106,753.274,973.333,174.32,626.439,462.714,783.123,827.944,296.1707,924.1
Obligaciones con el Banco Central de Nicaragua475,007.4286,522.90.0277,605.3185,298.110,285.50.00.00.00.00.01,234,719.1
Operaciones con Reportos y Valores Derivados1,351,407.3415,076.90.00.0671,624.20.00.00.00.00.00.02,438,108.4
Otras cuentas por pagar 221,269.8235,941.2199,623.942,282.6144,407.956,305.28,656.511,856.473,649.215,068.440,459.71,049,520.8
Otros pasivos y provisiones615,903.8786,310.5714,326.3213,400.6194,696.791,607.038,201.966,643.552,261.523,337.665,469.62,862,159.0
Obligaciones subordinadas 979,933.21,874,678.70.0476,719.1324,564.90.00.00.096,390.764,418.7222,077.84,038,783.0
Impuestos diferidos0.00.00.00.00.00.00.00.00.00.00.00.0
Reservas para obligaciones laborales al retiro0.00.00.00.00.00.00.00.00.015,180.30.015,180.3
Patrimonio7,909,795.37,366,391.88,678,600.62,418,539.91,621,101.9908,662.9628,646.7533,421.6316,013.3235,214.3514,825.831,131,214.2
Capital social pagado3,559,500.03,607,666.02,855,000.01,073,560.0879,702.5992,531.1524,600.0345,032.0235,240.0259,500.1458,953.514,791,285.2
Capital donado0.00.00.00.00.00.00.00.00.00.00.00.0
Aportes patrimoniales no capitalizables 369,000.00.60.00.00.0116,631.90.00.04.88,196.320,103.3513,936.9
Obligaciones convertibles en capital0.00.00.00.00.00.00.00.00.00.00.00.0
Ajustes al patrimonio-13.7-12,926.0792.80.00.00.00.00.00.00.00.0-12,146.8
Reservas patrimoniales1,428,602.11,480,235.01,499,001.9439,595.8293,711.264,437.614,532.239,993.813,777.95,574.38,063.95,287,525.8
Resultados acumulados de ejercicios anteriores1,986,761.81,630,547.43,636,704.3762,242.4408,206.5-294,273.377,886.2121,345.675,783.325,235.731,052.08,461,491.9
Resultados del Periodo565,945.0660,868.9687,101.6143,141.739,481.729,335.611,628.327,050.3-8,792.8-63,292.0-3,346.92,089,121.4
Cuentas contingentes21,527,438.012,745,365.29,702,187.81,670,016.17,538,542.9118,119.2257,216.00.0300,433.40.00.053,859,318.7
Cuentas de orden105,063,319.350,349,850.0291,409,745.358,264,717.016,402,929.614,512,107.681,104,981.72,925,665.63,389,945.82,383,040.13,024,695.4628,830,997.3
La informacion de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2017 C$ 29.9226 X US$ 1.00
TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2018 C$ 31.4187 X US$ 1.00
1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”