| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 80,597,123.8 | 67,764,223.7 | 63,820,015.5 | 19,293,615.9 | 21,141,838.0 | 7,578,115.6 | 6,850,993.1 | 1,033,035.9 | 2,058,955.2 | 3,165,065.5 | 273,302,982.4 | | Efectivo y Equivalentes de Efectivo | 23,121,770.9 | 17,656,717.6 | 17,612,602.6 | 4,038,869.7 | 6,143,270.7 | 1,861,702.6 | 543,694.0 | 274,403.3 | 372,683.7 | 657,763.5 | 72,283,478.6 | | Moneda Nacional | 9,166,736.5 | 3,814,971.3 | 5,143,866.1 | 1,067,258.4 | 814,380.3 | 398,243.8 | 66,893.7 | 53,229.3 | 192,476.7 | 332,620.4 | 21,050,676.6 | | Caja | 2,119,367.7 | 1,286,966.1 | 2,170,794.9 | 231,874.8 | 229,052.2 | 147,172.5 | 223.1 | 13,453.0 | 22,191.0 | 82,108.5 | 6,303,203.6 | | Banco Central de Nicaragua | 3,272,639.9 | 2,234,002.8 | 2,713,285.7 | 566,215.0 | 215,659.3 | 104,344.5 | 340.3 | 36,165.6 | 73,007.7 | 0.0 | 9,215,660.8 | | Instituciones Financieras | 175,451.9 | 293,446.4 | 259,785.5 | 89,212.2 | 112,819.2 | 146,726.8 | 66,330.3 | 2,158.8 | 97,278.0 | 250,511.9 | 1,493,721.0 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,452.0 | 0.0 | 0.0 | 4,551.3 | | Equivalentes de Efectivo | 3,599,277.1 | 0.0 | 0.0 | 179,956.4 | 254,306.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,033,539.8 | | Moneda Extranjera | 13,955,034.4 | 13,841,746.3 | 12,468,736.5 | 2,971,611.3 | 5,328,890.4 | 1,463,458.8 | 476,800.3 | 221,173.9 | 180,207.0 | 325,143.1 | 51,232,802.0 | | Caja | 1,370,632.6 | 839,749.1 | 2,270,457.3 | 225,702.7 | 426,287.8 | 464,623.9 | 1,233.9 | 20,722.7 | 25,422.8 | 37,778.8 | 5,682,611.6 | | Banco Central de Nicaragua | 4,976,521.3 | 4,911,132.2 | 5,481,621.8 | 1,863,336.7 | 2,473,555.4 | 696,553.7 | 1,778.5 | 48,669.5 | 95,809.4 | 0.0 | 20,548,978.5 | | Instituciones Financieras | 4,829,193.1 | 1,729,502.0 | 3,279,276.0 | 543,808.2 | 858,035.3 | 154,979.6 | 473,787.9 | 40,676.5 | 58,974.7 | 287,364.3 | 12,255,597.5 | | Depósitos Restringidos | 269,285.4 | 792,846.3 | 0.0 | 34,081.1 | 105,804.1 | 3,781.7 | 0.0 | 39,234.7 | 0.0 | 0.0 | 1,245,033.2 | | Equivalentes de Efectivo | 2,509,402.1 | 5,568,516.7 | 1,437,381.4 | 304,682.7 | 1,465,207.9 | 143,519.8 | 0.0 | 71,870.6 | 0.0 | 0.0 | 11,500,581.3 | | 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 | 1,514,160.6 | 16,877,855.0 | 11,542,395.6 | 165,456.4 | 6,364,780.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,471,647.6 | | Cartera a Costo Amortizado | 52,231,786.6 | 29,010,346.7 | 32,882,013.6 | 14,205,870.9 | 7,703,320.2 | 5,310,102.4 | 6,124,197.0 | 707,097.0 | 1,520,672.3 | 2,395,612.4 | 152,091,019.2 | | Inversiones a Costo Amortizado, Neto | 8,574,954.2 | 4,874,362.8 | 0.0 | 2,065,404.5 | 5,496.7 | 0.0 | 2,483,201.9 | 54,932.8 | 373.9 | 234,486.4 | 18,293,213.3 | | Cartera de Créditos, Neta | 43,656,832.5 | 24,135,983.9 | 32,882,013.6 | 12,140,466.5 | 7,697,823.5 | 5,310,102.4 | 3,640,995.0 | 652,164.2 | 1,520,298.4 | 2,161,126.0 | 133,797,805.9 | | Vigentes | 41,296,704.6 | 21,786,588.8 | 30,147,262.1 | 11,128,992.5 | 7,078,904.8 | 5,145,944.8 | 3,714,969.7 | 647,614.6 | 1,507,246.3 | 2,105,684.3 | 124,559,912.6 | | Prorrogados | 31,936.3 | 6,027.3 | 5,262.8 | 0.0 | 0.0 | 0.0 | 0.0 | 10,779.6 | 0.0 | 14.7 | 54,020.6 | | Reestructurados | 2,750,338.6 | 2,573,489.6 | 5,077,675.7 | 963,619.4 | 679,270.3 | 343,932.5 | 43,356.6 | 0.0 | 48,659.4 | 15,433.0 | 12,495,775.2 | | Vencidos | 260,739.2 | 317,481.7 | 273,288.4 | 141,436.4 | 109,076.1 | 30,533.9 | 0.0 | 0.0 | 30,549.5 | 57,741.1 | 1,220,846.1 | | Cobro Judicial | 227,314.3 | 573,824.9 | 460,145.9 | 192,641.4 | 11,863.3 | 7,853.9 | 28,133.7 | 0.0 | 0.0 | 256.9 | 1,502,034.2 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -86,077.1 | -110,997.6 | -152,221.1 | -27,104.5 | -7,240.6 | -22,785.9 | -3,208.6 | -2,554.9 | -4,163.4 | 0.0 | -416,353.6 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 572,531.6 | 317,535.1 | 317,418.4 | 170,961.5 | 112,677.2 | 75,154.9 | 40,292.5 | 2,976.4 | 32,863.6 | 85,953.1 | 1,728,364.3 | | (-) Provisión de Cartera de Créditos | -1,396,654.9 | -1,327,965.9 | -3,246,818.7 | -430,080.3 | -286,727.6 | -270,531.8 | -182,548.8 | -6,651.5 | -94,856.8 | -103,957.2 | -7,346,793.4 | | Cuentas por Cobrar, Neto | 347,859.6 | 774,112.2 | 135,582.2 | 45,969.8 | 42,542.1 | 78,978.2 | 2,515.4 | 5,283.1 | 22,588.8 | 15,831.1 | 1,471,262.6 | | 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 | 307,324.8 | 253,128.6 | 14,943.6 | 53,308.1 | 71,416.4 | 854.6 | 0.0 | 0.0 | 0.4 | 4,385.5 | 705,362.0 | | Participaciones | 311,601.1 | 1,974,308.3 | 92,655.2 | 37,299.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,415,863.9 | | Activo Material | 1,974,212.6 | 799,913.7 | 1,106,587.8 | 273,054.1 | 375,628.7 | 253,355.6 | 159,180.7 | 18,891.5 | 87,287.8 | 61,138.5 | 5,109,250.9 | | Activos Intangibles | 270,832.8 | 124,696.2 | 689.4 | 55,529.7 | 173,271.9 | 47,812.0 | 4,634.5 | 18,012.5 | 26,934.9 | 8,441.0 | 730,854.8 | | Activos Fiscales | 5,675.6 | 21,368.7 | 0.0 | 250,197.2 | 176,129.5 | 1,023.3 | 8,290.1 | 112.5 | 11,691.2 | 14,291.5 | 488,779.6 | | Otros Activos | 511,899.0 | 271,776.7 | 432,545.7 | 168,060.7 | 91,478.5 | 17,537.0 | 8,231.4 | 9,236.0 | 17,096.2 | 7,602.0 | 1,535,463.2 | | Pasivo | 68,782,550.2 | 57,377,603.7 | 51,056,459.8 | 17,116,968.7 | 18,705,016.3 | 6,377,576.3 | 1,426,982.0 | 547,544.1 | 1,710,256.1 | 2,482,965.4 | 225,583,922.5 | | Pasivos Financieros a Costo Amortizado | 67,657,300.3 | 54,501,083.7 | 49,669,470.6 | 16,414,413.5 | 17,786,064.4 | 6,189,751.9 | 1,344,042.8 | 485,539.0 | 1,609,747.9 | 2,242,232.8 | 217,899,646.9 | | Obligaciones con el Público | 55,953,589.8 | 45,733,662.6 | 47,566,588.0 | 12,396,528.0 | 13,662,646.2 | 4,845,105.3 | 0.0 | 283,962.1 | 0.0 | 0.0 | 180,442,082.1 | | Moneda Nacional | 21,670,678.6 | 13,040,135.1 | 11,945,758.3 | 2,369,116.0 | 1,718,007.8 | 593,383.1 | 0.0 | 11,499.5 | 0.0 | 0.0 | 51,348,578.4 | | Depósitos a la Vista | 12,650,959.2 | 7,351,762.2 | 7,987,276.6 | 626,757.7 | 1,125,939.7 | 359,380.3 | 0.0 | 9,480.8 | 0.0 | 0.0 | 30,111,556.6 | | Depósitos de Ahorro | 7,566,559.5 | 5,153,200.5 | 3,569,960.9 | 1,653,260.6 | 261,505.0 | 218,040.0 | 0.0 | 1,018.6 | 0.0 | 0.0 | 18,423,545.1 | | Depósitos a Plazo | 1,453,159.8 | 535,172.4 | 388,520.8 | 89,097.7 | 330,563.2 | 15,962.9 | 0.0 | 1,000.0 | 0.0 | 0.0 | 2,813,476.7 | | 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 | 34,100,015.0 | 32,576,253.2 | 35,525,118.1 | 9,939,814.0 | 11,852,864.4 | 4,228,947.0 | 0.0 | 271,151.8 | 0.0 | 0.0 | 128,494,163.5 | | Depósitos a la Vista | 9,700,294.9 | 9,094,301.7 | 12,038,569.5 | 864,986.3 | 3,806,509.0 | 979,632.5 | 0.0 | 41,610.8 | 0.0 | 0.0 | 36,525,904.6 | | Depósitos de Ahorro | 15,384,615.3 | 17,167,126.0 | 17,840,958.7 | 5,027,890.0 | 2,786,058.3 | 1,683,917.9 | 0.0 | 14,370.6 | 0.0 | 0.0 | 59,904,936.7 | | Depósitos a Plazo | 9,015,104.8 | 6,314,825.5 | 5,645,590.0 | 4,046,937.7 | 5,260,297.1 | 1,565,396.6 | 0.0 | 215,170.4 | 0.0 | 0.0 | 32,063,322.2 | | 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 | 182,896.2 | 117,274.3 | 95,711.6 | 87,598.0 | 91,774.0 | 22,775.2 | 0.0 | 1,310.8 | 0.0 | 0.0 | 599,340.2 | | Otras Obligaciones Diversas con el Público | 551,948.5 | 423,223.6 | 321,290.1 | 78,100.2 | 54,114.0 | 96,338.4 | 1,671.7 | 49.2 | 0.0 | 0.0 | 1,526,735.8 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,463,661.2 | 2,240,134.3 | 1,552,690.4 | 1,132,242.2 | 2,601,351.2 | 471,748.4 | 0.0 | 201,527.6 | 0.0 | 0.0 | 10,663,355.3 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 16,180.8 | 0.0 | 0.0 | 0.0 | 0.0 | 14,852.6 | 0.0 | 31,033.4 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 5,457.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 5,457.5 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 8,136,048.9 | 6,103,163.7 | 228,902.0 | 2,520,129.3 | 1,049,916.2 | 710,435.8 | 1,342,371.1 | 0.0 | 1,594,895.3 | 2,242,232.8 | 23,928,095.1 | | Obligaciones con el Banco Central de Nicaragua | 552,051.9 | 899.5 | 0.0 | 271,232.9 | 412,579.2 | 66,124.2 | 0.0 | 0.0 | 0.0 | 0.0 | 1,302,887.7 | | 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 | 134,368.5 | 184,468.9 | 231,359.9 | 98,792.9 | 218,492.1 | 49,284.5 | 30,928.5 | 156.0 | 20,541.7 | 16,721.5 | 985,114.5 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,092,041.9 | 0.0 | 367,321.3 | 355,913.2 | 0.0 | 0.0 | 0.0 | 0.0 | 118,236.7 | 2,933,513.1 | | Otros Pasivos y Provisiones | 990,881.3 | 600,009.2 | 1,155,629.3 | 236,441.0 | 344,546.6 | 138,539.9 | 52,010.6 | 61,849.2 | 79,966.5 | 105,774.4 | 3,765,648.0 | | PATRIMONIO | 11,814,573.6 | 10,386,620.1 | 12,763,555.7 | 2,176,647.2 | 2,436,821.8 | 1,200,539.3 | 5,424,011.1 | 485,491.9 | 348,699.2 | 682,100.1 | 47,719,059.9 | | Fondos Propios | 11,787,833.3 | 10,273,140.5 | 12,351,204.6 | 2,155,235.2 | 2,083,829.4 | 1,141,418.7 | 5,340,761.1 | 485,491.9 | 303,182.5 | 652,020.3 | 46,574,117.6 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 1,203,702.5 | 838,390.9 | 4,415,601.5 | 672,084.0 | 345,032.0 | 700,710.0 | 20,210,001.2 | | 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 | 4,308,767.6 | 3,270,140.4 | 6,324,333.8 | 563,618.1 | 294,967.7 | 121,387.9 | 0.0 | -157,260.0 | -69,544.5 | -173,253.8 | 14,483,157.1 | | Resultado del Ejercicio | 718,230.1 | 605,118.6 | 1,056,121.6 | 112,498.4 | 181,933.2 | 81,518.4 | 147,724.5 | -29,332.2 | 24,027.3 | 34,516.3 | 2,932,356.2 | | Otro Resultado Integral Neto | -104,760.5 | -361,024.3 | 59,079.4 | 10,346.7 | 143,819.5 | 5,417.5 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -224,080.8 | | Ajustes de Transición | 131,500.8 | 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 | 1,369,023.0 | | CUENTAS CONTINGENTES | 13,301,069.5 | 16,120,829.1 | 10,867,840.2 | 1,082,460.3 | 8,553,054.3 | 938,768.1 | 0.0 | 0.0 | 0.0 | 0.0 | 50,864,021.5 | | CUENTAS DE ORDEN | 109,669,007.5 | 47,538,201.5 | 312,871,365.0 | 46,542,134.1 | 18,288,161.8 | 19,854,658.0 | 11,107,861.9 | 1,995,200.4 | 2,100,858.2 | 3,661,292.6 | 573,628,740.9 |
| | 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 JULIO DE 2022 C$ 35.9319 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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