| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 79,585,144.6 | 67,695,256.4 | 63,470,452.6 | 19,592,026.4 | 21,403,574.2 | 7,466,576.5 | 6,824,606.9 | 1,015,598.7 | 1,984,229.9 | 3,154,675.9 | 272,192,142.0 | | Efectivo y Equivalentes de Efectivo | 22,536,124.2 | 18,194,335.6 | 17,362,254.7 | 4,510,611.4 | 5,979,016.4 | 1,895,282.0 | 320,517.5 | 253,682.1 | 316,784.4 | 663,366.0 | 72,031,974.5 | | Moneda Nacional | 8,256,540.5 | 3,652,478.8 | 4,915,550.8 | 1,232,027.1 | 648,632.6 | 357,864.0 | 115,211.9 | 33,402.7 | 193,728.8 | 311,234.0 | 19,716,671.2 | | Caja | 2,226,467.7 | 1,464,729.7 | 2,256,328.4 | 225,849.3 | 348,029.1 | 165,355.4 | 240.0 | 12,872.2 | 23,122.4 | 71,353.4 | 6,794,347.7 | | Banco Central de Nicaragua | 3,242,837.3 | 1,972,870.1 | 2,552,097.7 | 946,592.2 | 223,139.1 | 88,053.0 | 392.3 | 18,766.3 | 120,007.9 | 0.0 | 9,164,755.8 | | Instituciones Financieras | 311,872.9 | 214,322.9 | 107,124.8 | 59,585.6 | 75,028.4 | 104,455.6 | 114,579.5 | 865.7 | 50,598.6 | 239,880.6 | 1,278,314.6 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,436.0 | 0.0 | 0.0 | 898.5 | 0.0 | 0.0 | 3,890.6 | | Equivalentes de Efectivo | 2,475,362.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,475,362.6 | | Moneda Extranjera | 14,279,583.7 | 14,541,856.8 | 12,446,703.8 | 3,278,584.3 | 5,330,383.9 | 1,537,418.0 | 205,305.6 | 220,279.5 | 123,055.6 | 352,132.0 | 52,315,303.2 | | Caja | 1,601,739.0 | 843,296.8 | 2,248,518.9 | 287,211.0 | 408,674.8 | 404,506.6 | 1,005.8 | 15,923.5 | 27,625.8 | 39,673.5 | 5,878,175.7 | | Banco Central de Nicaragua | 5,008,274.1 | 4,665,097.4 | 5,597,999.8 | 1,823,848.3 | 3,359,904.5 | 705,935.7 | 1,805.1 | 35,052.3 | 38,110.5 | 0.0 | 21,236,027.6 | | Instituciones Financieras | 4,178,255.3 | 1,462,185.6 | 3,165,290.1 | 775,833.7 | 926,840.6 | 244,140.3 | 202,494.8 | 34,497.2 | 57,319.3 | 312,458.4 | 11,359,315.4 | | Depósitos Restringidos | 268,892.6 | 768,979.2 | 0.0 | 33,992.5 | 105,542.8 | 3,775.4 | 0.0 | 27,164.8 | 0.0 | 0.0 | 1,208,347.3 | | Equivalentes de Efectivo | 3,222,422.8 | 6,802,297.9 | 1,434,895.1 | 357,698.8 | 529,421.1 | 179,060.0 | 0.0 | 107,641.6 | 0.0 | 0.0 | 12,633,437.2 | | 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 | 1,491,712.7 | 17,352,408.5 | 11,115,366.9 | 170,547.8 | 6,842,052.1 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,979,088.0 | | Cartera a Costo Amortizado | 52,142,494.0 | 28,104,824.5 | 33,504,378.1 | 14,055,070.1 | 7,671,775.1 | 5,180,068.8 | 6,320,283.6 | 711,116.7 | 1,509,903.2 | 2,383,386.4 | 151,583,300.6 | | Inversiones a Costo Amortizado, Neto | 8,550,729.9 | 4,492,060.3 | 0.0 | 2,030,910.7 | 0.0 | 0.0 | 2,596,664.5 | 54,465.2 | 371.7 | 233,377.6 | 17,958,579.9 | | Cartera de Créditos, Neta | 43,591,764.2 | 23,612,764.2 | 33,504,378.1 | 12,024,159.5 | 7,671,775.1 | 5,180,068.8 | 3,723,619.0 | 656,651.5 | 1,509,531.5 | 2,150,008.8 | 133,624,720.7 | | Vigentes | 41,134,056.2 | 21,146,431.7 | 30,776,403.0 | 11,006,473.8 | 6,830,903.2 | 5,009,303.1 | 3,778,602.3 | 652,153.1 | 1,498,756.1 | 2,100,942.9 | 123,934,025.3 | | Prorrogados | 32,263.2 | 5,600.3 | 5,254.0 | 0.0 | 214,519.9 | 0.0 | 0.0 | 10,761.4 | 0.0 | 17.6 | 268,416.5 | | Reestructurados | 2,792,896.1 | 2,638,290.3 | 5,126,757.4 | 989,414.5 | 687,071.0 | 353,404.7 | 43,408.7 | 0.0 | 48,998.7 | 15,728.9 | 12,695,970.2 | | Vencidos | 287,781.0 | 399,163.7 | 211,465.6 | 125,037.9 | 113,452.4 | 29,190.2 | 0.0 | 0.0 | 30,044.7 | 58,079.8 | 1,254,215.4 | | Cobro Judicial | 244,989.8 | 548,214.8 | 484,953.0 | 197,278.9 | 12,447.5 | 6,948.9 | 29,638.7 | 0.0 | 0.0 | 2,036.2 | 1,526,507.8 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -87,957.4 | -106,853.2 | -151,210.0 | -28,861.9 | -6,925.3 | -21,532.3 | -2,807.2 | -2,823.0 | -4,152.5 | 0.0 | -413,122.8 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 566,459.9 | 322,361.5 | 300,716.3 | 163,937.2 | 107,137.5 | 72,695.9 | 66,883.2 | 2,826.4 | 31,206.7 | 80,009.1 | 1,714,233.6 | | (-) Provisión de Cartera de Créditos | -1,378,724.6 | -1,340,444.8 | -3,249,961.3 | -429,121.0 | -286,831.0 | -269,941.6 | -192,106.5 | -6,266.5 | -95,322.2 | -106,805.7 | -7,355,525.2 | | Cuentas por Cobrar, Neto | 198,777.2 | 570,074.7 | 102,856.6 | 44,213.6 | 27,740.0 | 59,608.0 | 3,699.8 | 4,964.7 | 14,895.0 | 12,970.6 | 1,039,800.1 | | 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 | 371,841.9 | 281,678.6 | 16,201.7 | 57,788.9 | 79,217.5 | 1,920.8 | 0.0 | 0.0 | 0.4 | 4,055.1 | 812,704.9 | | Participaciones | 311,601.1 | 1,968,871.9 | 90,579.0 | 37,094.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,408,146.7 | | Activo Material | 1,949,495.1 | 803,599.0 | 1,103,262.8 | 276,238.1 | 376,348.4 | 254,232.4 | 159,308.7 | 19,385.9 | 87,703.5 | 60,299.7 | 5,089,873.7 | | Activos Intangibles | 262,020.4 | 127,334.7 | 804.3 | 56,872.0 | 178,086.3 | 48,323.1 | 4,512.4 | 19,296.3 | 27,000.0 | 9,354.4 | 733,603.9 | | Activos Fiscales | 6,800.7 | 61,078.6 | 0.0 | 245,693.8 | 158,935.6 | 1,081.1 | 8,403.6 | 125.7 | 11,810.2 | 14,303.4 | 508,232.8 | | Otros Activos | 314,277.2 | 231,050.3 | 174,748.5 | 137,895.9 | 90,402.8 | 19,310.2 | 7,631.2 | 7,027.3 | 16,133.3 | 6,940.2 | 1,005,416.7 | | Pasivo | 67,931,857.6 | 57,497,592.1 | 50,872,169.9 | 17,430,829.6 | 19,005,952.0 | 6,279,187.9 | 1,432,200.4 | 525,919.9 | 1,640,187.0 | 2,479,546.6 | 225,095,443.0 | | Pasivos Financieros a Costo Amortizado | 66,238,131.0 | 54,660,750.4 | 49,727,450.4 | 16,814,869.5 | 18,490,857.9 | 6,105,576.6 | 1,340,976.4 | 473,799.5 | 1,540,973.7 | 2,241,462.2 | 217,634,847.5 | | Obligaciones con el Público | 54,619,929.5 | 45,453,561.2 | 47,762,993.1 | 12,476,031.7 | 14,148,258.8 | 4,895,435.9 | 0.0 | 262,765.8 | 0.0 | 0.0 | 179,618,976.0 | | Moneda Nacional | 20,733,486.2 | 12,702,733.3 | 12,329,096.2 | 2,461,573.7 | 1,853,861.6 | 620,294.8 | 0.0 | 12,490.4 | 0.0 | 0.0 | 50,713,536.3 | | Depósitos a la Vista | 11,720,875.3 | 7,022,327.2 | 7,890,470.2 | 652,952.0 | 1,266,983.6 | 371,371.9 | 0.0 | 9,533.5 | 0.0 | 0.0 | 28,934,513.8 | | Depósitos de Ahorro | 7,497,698.8 | 5,229,459.7 | 4,054,799.0 | 1,721,131.8 | 253,414.6 | 232,986.9 | 0.0 | 1,957.0 | 0.0 | 0.0 | 18,991,447.7 | | Depósitos a Plazo | 1,514,912.0 | 450,946.4 | 383,827.0 | 87,490.0 | 333,463.4 | 15,936.0 | 0.0 | 1,000.0 | 0.0 | 0.0 | 2,787,574.8 | | 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 | 33,711,310.2 | 32,635,825.2 | 35,338,808.0 | 9,930,902.1 | 12,203,968.5 | 4,253,997.2 | 0.0 | 249,189.2 | 0.0 | 0.0 | 128,324,000.5 | | Depósitos a la Vista | 9,562,580.4 | 9,049,525.9 | 12,064,240.3 | 806,124.4 | 4,028,034.0 | 1,014,809.0 | 0.0 | 21,746.1 | 0.0 | 0.0 | 36,547,060.1 | | Depósitos de Ahorro | 15,160,763.0 | 17,308,577.5 | 17,755,312.2 | 5,092,988.9 | 2,703,637.7 | 1,697,559.5 | 0.0 | 14,567.0 | 0.0 | 0.0 | 59,733,405.8 | | Depósitos a Plazo | 8,987,966.7 | 6,277,721.9 | 5,519,255.5 | 4,031,788.8 | 5,472,296.9 | 1,541,628.7 | 0.0 | 212,876.1 | 0.0 | 0.0 | 32,043,534.6 | | 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 | 175,133.1 | 115,002.7 | 95,088.9 | 83,555.9 | 90,428.7 | 21,143.8 | 0.0 | 1,086.1 | 0.0 | 0.0 | 581,439.3 | | Otras Obligaciones Diversas con el Público | 781,804.1 | 703,934.5 | 343,756.6 | 97,315.7 | 49,730.5 | 76,976.5 | 1,668.9 | 49.9 | 0.0 | 0.0 | 2,055,236.7 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,384,546.1 | 2,161,795.9 | 1,382,019.9 | 1,278,732.8 | 2,471,296.7 | 410,316.3 | 0.0 | 210,983.8 | 0.0 | 0.0 | 10,299,691.5 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 14,447.6 | 0.0 | 0.0 | 0.0 | 0.0 | 14,729.5 | 0.0 | 29,177.1 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 330,798.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 330,798.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,903,605.4 | 6,340,491.9 | 238,680.8 | 2,678,860.7 | 1,081,025.2 | 656,844.4 | 1,339,307.5 | 0.0 | 1,526,244.2 | 2,241,462.2 | 24,006,522.2 | | Obligaciones con el Banco Central de Nicaragua | 548,245.9 | 966.8 | 0.0 | 269,480.9 | 409,748.1 | 66,003.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,294,445.3 | | 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 | 137,276.9 | 212,230.7 | 235,294.9 | 98,694.3 | 200,953.2 | 48,807.3 | 33,874.1 | 161.2 | 20,232.4 | 16,347.7 | 1,003,872.7 | | Obligaciones Subordinadas y/o Convertibles en Capital | 677,321.4 | 2,072,501.5 | 0.0 | 364,303.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 117,047.1 | 3,231,173.2 | | Otros Pasivos y Provisiones | 879,128.4 | 552,109.5 | 909,424.6 | 152,962.5 | 314,141.0 | 124,804.0 | 57,349.8 | 51,959.2 | 78,980.9 | 104,689.7 | 3,225,549.5 | | PATRIMONIO | 11,653,287.0 | 10,197,664.3 | 12,598,282.7 | 2,161,196.7 | 2,397,622.2 | 1,187,388.6 | 5,392,406.5 | 489,678.8 | 344,043.0 | 675,129.2 | 47,096,699.0 | | Fondos Propios | 11,662,442.7 | 10,195,296.1 | 12,194,488.9 | 2,140,087.6 | 2,058,147.5 | 1,128,268.0 | 5,309,156.5 | 489,678.8 | 298,526.4 | 645,049.5 | 46,121,142.0 | | 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 | 4,308,765.0 | 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 | 14,807,154.5 | | Resultado del Ejercicio | 592,842.0 | 527,274.2 | 899,405.9 | 97,350.9 | 156,251.2 | 68,367.6 | 120,390.8 | -25,145.2 | 19,371.1 | 27,545.4 | 2,483,654.1 | | Otro Resultado Integral Neto | -140,659.0 | -472,135.7 | 50,522.0 | 10,043.7 | 130,301.8 | 5,417.5 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -393,468.6 | | Ajustes de Transición | 131,503.4 | 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 | 1,369,025.6 | | CUENTAS CONTINGENTES | 13,391,310.9 | 16,465,171.9 | 10,925,583.3 | 1,088,954.7 | 8,377,262.8 | 923,650.5 | 0.0 | 0.0 | 0.0 | 0.0 | 51,171,934.1 | | CUENTAS DE ORDEN | 110,247,069.8 | 48,297,729.8 | 308,193,218.3 | 46,341,080.9 | 18,487,478.6 | 19,813,311.4 | 10,795,022.5 | 1,987,807.7 | 2,099,540.8 | 3,625,608.4 | 569,887,868.2 |
| | 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 30 DE JUNIO DE 2022 C$ 35.8715 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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