SISTEMA BANCARIO Y FINANCIERAS (EN PERSPECTIVA)
Balance de Situación (Condensado)
Al 31 de Agosto del 2018
(Expresado en miles de Córdobas)
DescripciónBANPROBANCO LAFISE BANCENTROBACBDFBANCO FICOHSAAVANZBANCORPFINANCIERA FAMAFINANCIERA FINCA NICARAGUAFINANCIERA FUNDESERFinanciera FDL, S.A.Sistema Bancario y Financiero
Activo70,632,437.858,727,991.253,314,845.124,457,573.414,302,818.66,264,899.412,429,488.22,174,119.21,555,482.31,820,206.33,566,185.3249,246,046.8
Disponibilidades16,352,710.79,108,994.513,637,091.04,200,928.52,403,959.01,660,332.94,893,090.5505,504.2177,711.5236,614.2518,931.653,695,868.4
Moneda Nacional7,595,133.62,382,285.22,737,031.6724,706.8329,538.1409,087.01,484,732.5140,964.650,489.1153,782.7231,449.416,239,200.8
Caja1,850,621.1969,425.81,432,452.1291,906.1150,854.4145,642.529,883.915,667.616,130.117,491.173,486.74,993,561.3
Banco Central de Nicaragua5,649,463.11,295,573.01,110,433.2305,883.7164,882.6252,857.81,445,472.062,319.89.099.90.010,286,994.0
Depositos e Instituciones Financieras del Pais 19,146.22,149.152,559.034,003.27,370.03,990.40.062,977.234,350.0136,191.8157,962.7510,699.6
Otras disponibilidades75,903.2115,137.4141,587.492,913.86,431.16,596.39,376.60.00.00.00.0447,945.8
Moneda Extranjera8,757,577.16,726,709.310,900,059.43,476,221.72,074,420.91,251,245.83,408,358.0364,539.5127,222.482,831.5287,482.137,456,667.7
Caja1,034,066.0426,224.41,598,098.5192,661.8175,963.9299,932.930,868.111,238.16,901.86,946.030,161.73,813,063.3
Banco Central de Nicaragua5,056,323.04,213,935.85,949,256.02,526,801.2999,282.9616,291.02,499,070.812,104.399,493.915,903.80.021,988,462.7
Depositos e Instituciones Financieras del Pais  1\0.00.00.0355,422.10.04,997.5161,336.0213,919.120,826.759,981.7129,959.6946,442.9
Depositos en Instituciones Financieras del exterior 2,629,789.71,733,169.43,256,440.2353,251.7764,268.4324,729.612,301.1127,278.00.00.0127,360.89,328,588.8
Otras disponibilidades37,398.4353,379.796,264.848,084.9134,905.75,294.7704,781.90.00.00.00.01,380,110.1
Inversiones en valores, neto1,615,980.46,871,095.20.0704,298.91,200,724.90.05,183,758.4318.80.00.032,121.415,608,297.9
Inversiones al Valor Razonable con Cambios en Resultados 0.00.00.00.0398,931.10.00.00.00.00.00.0398,931.1
Inversiones Disponibles para la Venta158,524.25,212,849.60.0241,094.3801,793.80.00.00.00.00.00.06,414,262.0
Inversiones Mantenidas Hasta el Vencimiento1,457,456.11,658,245.60.0463,204.60.00.05,183,758.4318.80.00.032,121.48,795,104.8
Operaciones con Reportos y  Valores Derivados6,645,026.04,582,098.1778,194.1808,427.51,004,245.70.0294,904.80.00.00.00.014,112,896.3
Cartera de Creditos, neta43,549,267.935,218,877.537,912,940.418,100,940.99,180,571.84,250,417.31,947,356.71,516,941.71,305,142.01,493,225.52,908,261.5157,383,943.2
Créditos vigentes 40,455,674.833,720,291.735,685,563.217,466,975.78,868,123.14,024,765.31,900,244.51,531,147.61,167,615.11,390,855.82,835,274.7149,046,531.4
Créditos prorrogados1,724,978.2147,113.91,821,875.6173,886.00.016,962.00.0572.8115,331.10.00.04,000,719.5
Créditos reestructurados1,253,064.51,144,480.4302,570.5324,855.3315,046.2211,574.343,435.127,789.763,061.350,807.340,979.43,777,663.8
Créditos vencidos475,551.0406,686.5613,749.9428,979.4350,997.0109,318.3380.9109,237.876,176.2107,228.6171,271.62,849,577.2
Créditos en cobro judicial166,443.4197,187.8303,501.188,053.43,725.116,961.218,316.80.07,767.1318.10.0802,274.0
Intereses y Comisiones por Cobrar sobre Creditos634,120.1643,525.5416,550.8188,589.5189,746.773,486.922,104.035,309.655,712.2114,519.1161,070.12,534,734.4
Provisiones por incobrabilidad de cartera de creditos -1,160,564.2-1,040,408.2-1,230,870.6-570,398.3-547,066.3-202,650.7-37,124.6-187,115.8-180,520.9-170,503.2-300,334.3-5,627,557.1
Otras cuentas por cobrar, neto150,074.1422,366.593,581.6160,928.088,304.830,445.410,959.527,687.61,864.52,765.210,545.3999,522.5
Bienes de uso, neto 1,662,608.7547,894.0685,868.0213,455.4141,527.3224,254.821,179.246,551.740,201.244,629.541,714.03,669,883.8
Bienes recibidos en recuperacion de creditos, neto68,710.2150,344.413,090.634,900.8573.5704.45,593.56,855.15,675.91,858.40.0288,306.8
Invesiones permanentes en acciones 224,095.01,275,742.670,714.427,241.37,188.96,750.00.00.00.00.00.01,611,732.2
Otros activos neto363,964.9550,578.4123,364.9206,452.1275,722.791,994.672,645.770,260.124,887.341,113.454,611.61,875,595.7
Pasivo62,491,172.051,127,246.644,324,543.322,040,250.712,683,535.85,331,355.011,776,879.11,741,670.81,362,982.31,615,682.63,080,333.3217,575,651.5
Obligaciones con el Público45,817,829.232,406,476.731,890,039.112,606,439.86,245,016.34,073,854.811,688,077.2121,757.642,159.3102,414.50.0144,994,064.6
Moneda Nacional15,660,084.17,683,579.15,968,937.71,708,592.5639,396.4527,396.53,478,000.30.00.00.00.035,665,986.6
Depositos a la Vista8,035,586.14,301,941.83,708,934.3335,478.1433,501.2245,735.82,251,715.80.00.00.00.019,312,893.1
Depositos de Ahorro6,407,877.82,886,427.41,801,582.11,205,526.8174,149.6238,115.81,222,628.20.00.00.00.013,936,307.8
Depositos a Plazo1,216,620.2495,209.8458,421.2167,587.631,745.643,544.93,656.30.00.00.00.02,416,785.7
Otros Depósitos del Público0.00.00.00.00.00.00.00.00.00.00.00.0
Moneda Extranjera29,461,536.424,319,237.625,295,137.110,415,433.85,515,253.23,480,133.17,483,599.80.00.00.00.0105,970,330.9
Depositos a la Vista8,560,540.35,664,783.86,542,125.0816,513.21,383,306.4691,227.57,066,835.20.00.00.00.030,725,331.5
Depositos de Ahorro11,705,420.810,283,179.510,691,224.84,969,961.71,377,280.5920,271.8172,744.30.00.00.00.040,120,083.5
Depositos a Plazo9,195,575.28,371,274.28,061,787.24,628,958.82,754,666.31,868,633.8244,020.20.00.00.00.035,124,915.9
Otros Depósitos del Público0.00.00.00.00.00.00.00.00.00.00.00.0
Otras obligaciones467,187.3212,059.1456,854.5317,958.034,792.936,276.4717,043.6120,899.142,031.8102,006.70.02,507,109.2
Cargos financieros por pagar sobre obligaciones con el Público229,021.5191,601.0169,109.9164,455.655,573.830,048.89,433.5858.6127.5407.80.0850,637.9
Obligaciones con Instituciones financieras y por otros financiamientos9,230,493.211,273,557.010,897,932.37,854,935.04,870,074.41,136,145.57,773.01,545,311.81,102,027.91,401,261.82,835,091.852,154,603.7
Por Depósitos de Instituciones Financieras1,205,490.71,680,176.45,565,067.01,590,861.61,877,320.1717,699.30.00.00.00.00.012,636,615.1
Por Préstamos con Instituciones Financieras y por Otros Financiamientos7,917,622.79,426,415.35,200,386.36,133,467.62,914,483.9381,844.17,670.71,519,791.21,079,508.51,370,214.42,786,777.938,738,182.6
Préstamos de la Financiera Nicaraguense de Inversiones529,855.2536,197.458,229.1445,360.8149,505.335,964.00.00.00.00.00.01,755,111.8
Préstamos del Banco Centroaméricano de Integración Económica1,021,005.32,112,264.4873,029.5816,501.1474,839.60.00.00.00.00.00.05,297,639.9
Préstamos de Otras Instituciones Financieras del Exterior0.00.0477,112.5381,690.0890,610.00.00.00.0999,925.20.01,070,672.33,820,010.0
Otras Obligaciones con Instituciones Financieras y por Otros Financiamientos.6,366,762.26,777,953.43,792,015.24,489,915.71,399,529.0345,880.17,670.71,519,791.279,583.31,370,214.41,716,105.627,865,420.8
Cargos por Pagar sobre Obligaciones con Instituciones Financieras y por Otros Financiamientos107,379.7166,965.4132,479.1130,605.878,270.336,602.1102.325,520.622,519.431,047.348,314.0779,806.0
Obligaciones con el Banco Central de Nicaragua506,202.9270,239.20.0152,489.6685,562.910,458.00.00.00.00.00.01,624,952.7
Operaciones con Reportos y Valores Derivados5,207,720.43,614,172.1621,760.0656,573.7260,802.30.00.00.00.00.00.010,361,028.6
Otras cuentas por pagar 182,402.6290,670.6199,838.025,214.193,202.840,615.219,060.99,700.577,939.08,894.018,513.0966,050.6
Otros pasivos y provisiones577,966.6759,206.4714,973.9250,723.6207,525.670,281.561,968.064,900.843,535.122,802.069,284.82,843,168.3
Obligaciones subordinadas 968,557.12,512,924.70.0493,874.8321,351.50.00.00.097,321.065,430.1157,443.64,616,902.8
Impuestos diferidos0.00.00.00.00.00.00.00.00.00.00.00.0
Reservas para obligaciones laborales al retiro0.00.00.00.00.00.00.00.00.014,880.30.014,880.3
Patrimonio8,141,265.87,600,744.78,990,301.82,417,322.81,619,282.8933,544.4652,609.1432,448.4192,500.0204,523.6485,852.031,670,395.3
Capital social pagado3,559,500.04,268,872.02,855,000.01,073,560.0879,702.5698,266.7524,600.0345,032.0235,240.0259,500.1531,897.015,231,170.3
Capital donado0.00.00.00.00.00.00.00.00.00.00.00.0
Aportes patrimoniales no capitalizables 369,000.00.60.00.00.0140,132.90.00.04.88,196.331,854.9549,189.5
Obligaciones convertibles en capital0.00.00.00.00.00.00.00.00.00.00.00.0
Ajustes al patrimonio0.0-64,585.9800.00.00.00.00.00.00.00.00.0-63,785.9
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 anteriores1,986,761.8969,341.43,636,704.3762,242.4408,206.5-8.977,886.2121,345.675,783.325,235.731,052.08,094,550.3
Resultados del Periodo797,401.9946,881.6998,795.6141,924.637,662.630,716.035,590.7-73,923.0-132,306.1-93,982.7-117,015.82,571,745.3
Cuentas contingentes22,665,978.111,848,742.99,225,980.41,587,098.15,917,973.5118,531.6816,615.60.00.00.00.052,180,920.2
Cuentas de orden101,866,218.351,322,277.5274,779,893.761,399,667.417,024,487.714,305,797.580,137,025.02,684,240.63,734,378.52,380,490.13,083,083.8612,717,560.2
La informacion de este Estado Financiero no ha sido auditada
TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2017 C$ 30.2929 X US$ 1.00
TIPO DE CAMBIO OFICIAL AL 31 DE AGOSTO DE 2018 C$ 31.8075 X US$ 1.00
1\ Se incorporo en Disponibilidades M.E la cuenta “Depósitos en Instituciones Financieras del País”