| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 79,694,870.7 | 66,818,060.7 | 61,971,193.8 | 19,272,609.6 | 20,361,897.0 | 7,332,707.8 | 6,816,119.5 | 1,038,116.3 | 2,032,405.0 | 2,960,626.4 | 268,298,606.8 | | Efectivo y Equivalentes de Efectivo | 22,742,484.2 | 17,407,716.8 | 16,763,947.3 | 4,320,051.6 | 4,861,149.9 | 1,803,013.1 | 938,283.6 | 292,870.2 | 353,319.3 | 624,847.1 | 70,107,683.0 | | Moneda Nacional | 5,351,017.3 | 3,651,454.8 | 4,826,498.6 | 839,367.8 | 724,631.9 | 479,364.7 | 93,826.2 | 26,128.9 | 191,037.1 | 339,597.0 | 16,522,924.3 | | Caja | 2,041,948.8 | 1,470,583.9 | 2,280,608.9 | 175,697.6 | 301,258.2 | 207,611.2 | 206.9 | 8,854.3 | 21,116.0 | 82,553.1 | 6,590,439.0 | | Banco Central de Nicaragua | 3,142,279.5 | 1,895,646.6 | 2,374,959.3 | 616,688.9 | 371,788.3 | 132,133.8 | 1,615.7 | 15,950.5 | 100,008.0 | 0.0 | 8,651,070.8 | | Instituciones Financieras | 166,789.0 | 284,668.2 | 170,930.3 | 46,981.3 | 49,149.4 | 139,619.7 | 92,003.7 | 631.7 | 69,913.0 | 257,043.9 | 1,277,730.1 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 692.3 | 0.0 | 0.0 | 3,684.5 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 17,391,466.9 | 13,756,262.0 | 11,937,448.7 | 3,480,683.8 | 4,136,518.0 | 1,323,648.4 | 844,457.4 | 266,741.3 | 162,282.2 | 285,250.0 | 53,584,758.7 | | Caja | 1,357,146.5 | 834,268.3 | 1,908,925.0 | 239,088.8 | 452,406.3 | 521,218.9 | 751.9 | 11,127.5 | 20,900.4 | 36,332.1 | 5,382,165.6 | | Banco Central de Nicaragua | 4,825,344.0 | 4,735,082.8 | 5,445,300.8 | 2,112,497.1 | 2,668,232.5 | 613,962.9 | 1,852.9 | 70,602.6 | 50,171.2 | 0.0 | 20,523,046.8 | | Instituciones Financieras | 6,114,035.4 | 1,523,197.4 | 3,150,671.0 | 737,651.7 | 907,320.1 | 148,915.3 | 841,852.6 | 51,753.8 | 89,008.2 | 248,917.9 | 13,813,323.3 | | Depósitos Restringidos | 273,777.6 | 767,413.4 | 0.0 | 33,917.7 | 105,312.9 | 3,769.2 | 0.0 | 25,797.8 | 2,202.5 | 0.0 | 1,212,191.1 | | Equivalentes de Efectivo | 4,821,163.4 | 5,896,300.1 | 1,432,551.9 | 357,528.5 | 3,246.2 | 35,782.2 | 0.0 | 107,459.7 | 0.0 | 0.0 | 12,654,031.9 | | Inversiones a Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,502,920.6 | 17,348,483.5 | 10,899,437.9 | 168,859.7 | 6,849,965.4 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,776,667.0 | | Cartera a Costo Amortizado | 51,880,098.7 | 27,978,146.9 | 32,817,244.0 | 13,907,095.9 | 7,737,802.9 | 5,148,388.0 | 5,694,335.4 | 697,482.9 | 1,508,675.2 | 2,226,116.1 | 149,595,386.0 | | Inversiones a Costo Amortizado, Neto | 8,768,760.6 | 4,440,587.1 | 0.0 | 2,015,002.7 | 0.0 | 143,046.7 | 2,614,913.8 | 54,014.0 | 369.5 | 108,074.1 | 18,144,768.5 | | Cartera de Créditos, Neta | 43,111,338.1 | 23,537,559.8 | 32,817,244.0 | 11,892,093.2 | 7,737,802.9 | 5,005,341.3 | 3,079,421.6 | 643,468.9 | 1,508,305.7 | 2,118,041.9 | 131,450,617.4 | | Vigentes | 40,671,816.5 | 20,980,976.8 | 29,995,498.4 | 10,863,663.9 | 7,098,526.2 | 4,830,548.8 | 3,134,002.8 | 649,583.1 | 1,493,763.2 | 2,073,578.0 | 121,791,957.7 | | Prorrogados | 23,747.6 | 7,565.4 | 5,245.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 271.2 | 36,829.6 | | Reestructurados | 2,804,457.1 | 2,714,603.4 | 5,032,478.0 | 1,010,278.9 | 690,354.7 | 360,103.8 | 43,458.7 | 0.0 | 51,407.6 | 16,872.0 | 12,724,014.1 | | Vencidos | 302,784.6 | 438,639.0 | 371,315.4 | 137,423.2 | 117,872.9 | 24,396.5 | 0.0 | 0.0 | 29,385.5 | 57,021.7 | 1,478,838.9 | | Cobro Judicial | 249,462.2 | 530,127.1 | 506,553.4 | 183,570.3 | 12,436.8 | 4,779.1 | 30,762.5 | 0.0 | 0.0 | 2,032.9 | 1,519,724.3 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -81,176.9 | -103,428.7 | -147,566.3 | -29,248.8 | -7,091.1 | -20,515.9 | -3,044.6 | -2,653.9 | -4,380.7 | 0.0 | -399,107.0 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 570,886.0 | 319,735.6 | 301,381.5 | 161,255.1 | 106,552.9 | 75,856.2 | 61,987.2 | 2,669.6 | 32,193.4 | 75,841.3 | 1,708,359.0 | | (-) Provisión de Cartera de Créditos | -1,430,638.9 | -1,350,658.7 | -3,247,661.8 | -434,849.5 | -280,849.6 | -269,827.1 | -187,745.0 | -6,129.9 | -94,063.3 | -107,575.3 | -7,409,999.0 | | Cuentas por Cobrar, Neto | 292,296.0 | 622,721.7 | 108,005.5 | 43,810.8 | 37,899.1 | 47,616.2 | 2,859.2 | 3,841.3 | 24,484.4 | 15,973.7 | 1,199,508.0 | | Activos no Corrientes Mantenidos para la Venta | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Activos Recibidos en Recuperación de Créditos | 417,512.0 | 337,384.8 | 17,898.2 | 88,996.6 | 87,168.5 | 1,920.8 | 0.0 | 0.0 | 0.4 | 3,964.7 | 954,846.1 | | Participaciones | 311,601.1 | 1,962,697.9 | 89,682.6 | 37,326.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,401,307.9 | | Activo Material | 1,955,539.5 | 806,562.2 | 1,107,148.5 | 275,448.2 | 378,293.9 | 255,409.5 | 158,293.7 | 19,942.9 | 86,761.5 | 40,286.7 | 5,083,686.5 | | Activos Intangibles | 265,984.5 | 129,626.9 | 919.3 | 58,232.8 | 180,769.3 | 49,924.3 | 4,646.8 | 20,819.7 | 26,774.4 | 10,528.8 | 748,226.6 | | Activos Fiscales | 7,925.8 | 46,069.2 | 0.0 | 250,335.3 | 144,764.2 | 945.1 | 8,517.1 | 176.6 | 11,929.2 | 14,302.6 | 484,965.2 | | Otros Activos | 318,508.2 | 178,650.8 | 166,910.5 | 122,452.4 | 84,084.0 | 18,740.8 | 8,933.6 | 2,982.7 | 20,460.7 | 24,606.8 | 946,330.5 | | Pasivo | 68,132,419.5 | 56,579,969.2 | 49,557,384.9 | 17,123,996.1 | 17,980,540.8 | 6,158,097.5 | 1,443,247.6 | 544,506.0 | 1,691,689.7 | 2,288,820.2 | 221,500,671.5 | | Pasivos Financieros a Costo Amortizado | 66,049,657.5 | 53,700,545.6 | 48,365,860.6 | 16,500,890.8 | 17,473,824.3 | 5,968,536.5 | 1,359,688.2 | 498,018.5 | 1,596,107.5 | 2,042,909.5 | 213,556,039.0 | | Obligaciones con el Público | 54,215,592.5 | 44,671,757.1 | 46,619,859.9 | 12,305,852.9 | 13,089,665.4 | 4,773,433.0 | 0.0 | 293,940.4 | 0.0 | 0.0 | 175,970,101.3 | | Moneda Nacional | 20,862,908.1 | 12,751,327.0 | 11,926,377.1 | 2,382,131.6 | 1,807,153.7 | 622,893.9 | 0.0 | 9,938.4 | 0.0 | 0.0 | 50,362,729.8 | | Depósitos a la Vista | 11,628,455.4 | 7,134,338.2 | 7,860,151.2 | 523,084.4 | 1,250,579.8 | 402,733.8 | 0.0 | 8,529.7 | 0.0 | 0.0 | 28,807,872.5 | | Depósitos de Ahorro | 7,946,153.4 | 5,189,704.9 | 3,687,174.3 | 1,772,024.5 | 243,789.0 | 204,398.4 | 0.0 | 1,408.7 | 0.0 | 0.0 | 19,044,653.1 | | Depósitos a Plazo | 1,288,299.3 | 427,283.9 | 379,051.7 | 87,022.7 | 312,784.9 | 15,761.7 | 0.0 | 0.0 | 0.0 | 0.0 | 2,510,204.1 | | 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 | | Moneda Extranjera | 33,192,476.2 | 31,798,622.6 | 34,601,148.5 | 9,842,014.9 | 11,200,318.1 | 4,130,821.5 | 0.0 | 283,064.6 | 0.0 | 0.0 | 125,048,466.5 | | Depósitos a la Vista | 9,233,805.3 | 8,824,419.6 | 11,702,534.9 | 822,260.3 | 2,983,643.9 | 1,024,761.2 | 0.0 | 61,534.0 | 0.0 | 0.0 | 34,652,959.2 | | Depósitos de Ahorro | 15,009,360.0 | 16,674,854.4 | 17,443,226.7 | 5,029,024.1 | 2,661,834.6 | 1,612,956.8 | 0.0 | 14,104.8 | 0.0 | 0.0 | 58,445,361.2 | | Depósitos a Plazo | 8,949,311.0 | 6,299,348.7 | 5,455,386.9 | 3,990,730.5 | 5,554,839.7 | 1,493,103.5 | 0.0 | 207,425.9 | 0.0 | 0.0 | 31,950,146.1 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 160,208.1 | 121,807.5 | 92,334.3 | 81,706.4 | 82,193.7 | 19,717.6 | 0.0 | 937.4 | 0.0 | 0.0 | 558,905.0 | | Otras Obligaciones Diversas con el Público | 534,641.0 | 443,856.2 | 306,118.5 | 83,761.2 | 55,755.7 | 50,614.2 | 1,666.2 | 49.9 | 0.0 | 0.0 | 1,476,462.8 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,950,471.4 | 2,162,885.8 | 1,172,302.3 | 1,218,162.1 | 2,462,775.6 | 434,529.8 | 0.0 | 204,028.2 | 0.0 | 0.0 | 10,605,155.2 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 12,678.6 | 0.0 | 0.0 | 0.0 | 0.0 | 14,901.5 | 0.0 | 27,580.1 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 5,405.7 | 114,266.9 | 0.0 | 0.0 | 0.0 | 0.0 | 119,672.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,802,365.0 | 6,421,080.9 | 267,580.0 | 2,613,445.6 | 1,154,165.3 | 529,831.9 | 1,358,022.0 | 0.0 | 1,581,206.0 | 2,042,909.5 | 23,770,606.1 | | Obligaciones con el Banco Central de Nicaragua | 546,587.6 | 965.5 | 0.0 | 266,990.6 | 706,056.7 | 65,860.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,586,461.0 | | Arrendamiento Financiero | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Pasivos Financieros a Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Pasivos Fiscales | 132,115.6 | 188,092.9 | 231,242.4 | 103,189.9 | 195,284.6 | 47,960.9 | 31,356.5 | 150.7 | 20,181.8 | 16,248.5 | 965,823.7 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,044,117.9 | 2,161,015.1 | 0.0 | 361,405.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 116,539.8 | 3,683,078.8 | | Otros Pasivos y Provisiones | 906,528.5 | 530,315.6 | 960,281.9 | 158,509.5 | 311,431.8 | 141,600.2 | 52,202.9 | 46,336.8 | 75,400.5 | 113,122.4 | 3,295,730.1 | | PATRIMONIO | 11,562,451.2 | 10,238,091.5 | 12,413,808.8 | 2,148,613.5 | 2,381,356.2 | 1,174,610.3 | 5,372,871.9 | 493,610.3 | 340,715.3 | 671,806.2 | 46,797,935.2 | | Fondos Propios | 11,556,619.8 | 10,122,541.8 | 12,013,575.6 | 2,127,766.9 | 2,036,424.0 | 1,115,489.8 | 5,289,621.9 | 493,610.3 | 295,198.7 | 641,726.5 | 45,692,575.1 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 879,702.5 | 838,390.9 | 4,411,330.6 | 672,084.0 | 345,032.0 | 700,710.0 | 19,881,730.3 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 915,703.3 | | 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 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 258,418.0 | 0.0 | 0.0 | 0.0 | 258,418.0 | | Reservas Patrimoniales | 1,987,335.6 | 2,129,009.0 | 2,115,749.2 | 497,010.3 | 403,226.1 | 100,121.3 | 519,017.1 | 0.0 | 3,667.8 | 19,345.4 | 7,774,481.8 | | Resultados Acumulados | 4,307,433.6 | 3,270,140.4 | 6,324,333.8 | 563,618.1 | 618,967.7 | 121,387.9 | 0.0 | -157,260.0 | -69,544.5 | -173,253.8 | 14,805,823.1 | | Resultado del Ejercicio | 488,350.5 | 454,519.8 | 718,492.6 | 85,030.1 | 134,527.8 | 55,589.4 | 100,856.2 | -21,213.7 | 16,043.4 | 24,222.4 | 2,056,418.6 | | Otro Resultado Integral Neto | -127,003.4 | -358,954.1 | 46,961.5 | 9,781.3 | 135,759.3 | 5,417.5 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -264,996.9 | | Ajustes de Transición | 132,834.8 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 39,874.2 | 27,055.6 | 1,370,357.0 | | CUENTAS CONTINGENTES | 13,379,863.3 | 16,280,340.0 | 10,827,062.3 | 1,105,132.2 | 8,411,139.0 | 894,390.5 | 0.0 | 0.0 | 0.0 | 0.0 | 50,897,927.4 | | CUENTAS DE ORDEN | 109,863,585.2 | 48,082,300.9 | 306,749,449.4 | 46,357,441.3 | 18,490,462.7 | 19,564,346.0 | 10,727,307.5 | 1,927,842.7 | 2,132,310.3 | 3,568,202.6 | 567,463,248.7 |
| | Información contable reportada por las instituciones financieras supervisadas. | | La información de este Estado Financiero no ha sido auditada. Para mayor información le recomendamos visitar el sitio web de la institución, el cual contiene los Estados Financieros auditados más recientes. | | A partir de enero 2019 Banco Produzcamos Consolida en el Sistema Bancario y en el Sistema Financiero Nacional. | | La comparación de estados financieros es obligatoria a partir del año 2020. | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO DE 2022 C$ 35.8131 X US$ 1.00 | | El Banco Corporativo, S.A (BANCORP) solicitó la autorización a la Superintendencia de Bancos, para proceder a la disolución voluntaria anticipada; por consiguiente, de conformidad al artículo 15 de la ley No. 561 “Ley General de Bancos, Instituciones Financieras no Bancarias y Grupos Financieros”, a partir de julio del 2019 se suspendió la publicación en la página Web de la SIBOIF, de la información correspondiente a la entidad en mención. | | El Consejo Directivo de la SIBOIF mediante Resolución No. CD-SIBOIF-1218-1-DIC1-2020 de fecha 01 de diciembre del 2020, autorizó a FINANCIERA FINCA NICARAGUA, SOCIEDAD ANÓNIMA su solicitud de revocación de Licencia para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Por lo anterior, a partir de enero de 2021, la SIBOIF no publica información relativa a esta entidad. | | El Consejo Directivo de la SIBOIF mediante Resolución No. CD-SIBOIF-1222-1-DIC17-2020 de fecha 17 de diciembre del 2020, autorizó a FINANCIERA FUNDESER, SOCIEDAD ANÓNIMA su solicitud de revocación de Licencia para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Por lo anterior, a partir de enero de 2021, la SIBOIF no publica información relativa a esta entidad. |
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