| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 82,655,160.9 | 68,349,844.6 | 63,818,420.3 | 19,412,856.3 | 21,386,510.7 | 8,272,306.6 | 7,317,921.1 | 1,257,251.8 | 2,219,392.7 | 3,192,088.6 | 277,881,753.4 | | Efectivo y Equivalentes de Efectivo | 25,350,215.6 | 13,047,867.6 | 16,290,383.2 | 4,212,554.9 | 6,069,737.6 | 2,173,829.1 | 714,551.8 | 321,153.4 | 441,751.6 | 677,870.1 | 69,299,915.0 | | Moneda Nacional | 11,652,236.3 | 3,680,468.7 | 4,881,373.1 | 1,030,592.9 | 1,082,998.5 | 497,952.8 | 104,662.8 | 34,686.2 | 190,182.6 | 333,130.0 | 23,488,284.0 | | Caja | 2,293,282.6 | 1,468,686.6 | 2,392,752.6 | 227,333.5 | 468,419.6 | 201,961.9 | 328.8 | 10,680.3 | 20,731.8 | 87,136.2 | 7,171,313.9 | | Banco Central de Nicaragua | 3,123,209.4 | 2,027,971.0 | 2,368,766.2 | 709,091.4 | 308,724.0 | 114,543.5 | 102.5 | 14,908.7 | 95,007.2 | 0.0 | 8,762,324.1 | | Instituciones Financieras | 121,309.8 | 178,989.8 | 119,854.2 | 59,347.9 | 46,706.8 | 181,447.4 | 104,231.5 | 8,289.9 | 74,443.6 | 245,993.8 | 1,140,614.7 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 807.3 | 0.0 | 0.0 | 8,171.8 | | Equivalentes de Efectivo | 6,114,434.5 | 0.0 | 0.0 | 34,820.1 | 256,604.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,405,859.5 | | Moneda Extranjera | 13,697,979.3 | 9,367,398.9 | 11,409,010.1 | 3,181,962.0 | 4,986,739.1 | 1,675,876.2 | 609,889.0 | 286,467.2 | 251,569.0 | 344,740.1 | 45,811,631.0 | | Caja | 1,169,060.2 | 683,461.8 | 2,057,376.5 | 181,125.8 | 389,178.0 | 326,931.4 | 1,083.2 | 4,806.4 | 23,697.9 | 38,767.5 | 4,875,488.9 | | Banco Central de Nicaragua | 5,015,436.5 | 4,946,406.3 | 5,832,639.9 | 2,152,731.7 | 1,793,750.8 | 816,939.7 | 4,172.1 | 114,983.1 | 120,808.7 | 0.0 | 20,797,868.8 | | Instituciones Financieras | 4,859,832.2 | 1,183,774.0 | 2,435,582.5 | 669,268.3 | 1,234,677.1 | 239,951.4 | 604,633.7 | 137,334.0 | 107,062.4 | 305,972.7 | 11,778,088.2 | | Depósitos Restringidos | 308,146.5 | 930,059.6 | 0.0 | 34,434.2 | 106,849.6 | 3,827.7 | 0.0 | 29,343.7 | 0.0 | 0.0 | 1,412,661.4 | | Equivalentes de Efectivo | 2,345,503.8 | 1,623,697.2 | 1,083,411.2 | 144,402.0 | 1,462,283.6 | 288,226.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,947,523.7 | | 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 | 1,426,613.0 | 18,637,959.5 | 11,637,988.3 | 170,580.9 | 5,897,825.6 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 37,777,967.4 | | Cartera a Costo Amortizado | 52,299,796.8 | 32,519,416.7 | 34,255,247.7 | 14,298,698.4 | 8,450,495.1 | 5,706,610.6 | 6,421,983.5 | 885,237.1 | 1,596,592.1 | 2,399,566.0 | 158,833,644.1 | | Inversiones a Costo Amortizado, Neto | 6,984,741.2 | 6,496,977.4 | 0.0 | 1,850,612.1 | 5,607.1 | 0.0 | 2,365,282.9 | 54,144.4 | 361.5 | 181,299.5 | 17,939,026.2 | | Cartera de Créditos, Neta | 45,315,055.6 | 26,022,439.3 | 34,255,247.7 | 12,448,086.3 | 8,444,888.0 | 5,706,610.6 | 4,056,700.6 | 831,092.7 | 1,596,230.5 | 2,218,266.6 | 140,894,617.9 | | Vigentes | 42,994,625.9 | 23,921,778.3 | 33,385,223.7 | 11,480,792.4 | 7,841,107.4 | 5,539,977.6 | 4,121,038.0 | 838,852.3 | 1,584,240.0 | 2,147,930.0 | 133,855,565.6 | | Prorrogados | 74,176.1 | 11,311.2 | 3,507.5 | 14,444.7 | 0.0 | 0.0 | 3,611.2 | 0.0 | 0.0 | 0.0 | 107,050.6 | | Reestructurados | 2,710,306.8 | 2,417,114.3 | 3,310,006.5 | 900,504.0 | 674,295.7 | 334,689.9 | 11,137.5 | 0.0 | 44,702.0 | 10,865.4 | 10,413,622.1 | | Vencidos | 281,603.4 | 238,379.5 | 439,988.3 | 141,574.6 | 70,157.0 | 35,583.3 | 26,811.7 | 0.0 | 31,462.1 | 56,588.5 | 1,322,148.2 | | Cobro Judicial | 244,081.4 | 462,432.7 | 391,494.9 | 190,899.9 | 15,539.3 | 8,082.4 | 945.2 | 0.0 | 0.0 | 0.0 | 1,313,475.9 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -88,959.7 | -127,364.3 | -156,572.1 | -27,928.8 | -9,572.3 | -25,198.1 | -4,114.7 | -2,806.7 | -4,256.8 | 0.0 | -446,773.5 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 571,328.1 | 292,719.3 | 327,572.7 | 165,616.4 | 117,044.0 | 91,468.4 | 67,151.4 | 3,055.6 | 34,449.2 | 100,513.2 | 1,770,918.3 | | (-) Provisión de Cartera de Créditos | -1,472,106.3 | -1,193,931.7 | -3,445,973.8 | -417,816.9 | -263,683.0 | -277,993.0 | -169,879.6 | -8,008.5 | -94,365.9 | -97,630.5 | -7,441,389.3 | | Cuentas por Cobrar, Neto | 324,158.9 | 570,145.4 | 161,916.0 | 47,680.3 | 44,569.1 | 59,611.9 | 2,915.1 | 5,654.8 | 22,067.0 | 19,446.0 | 1,258,164.5 | | 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 | 274,299.9 | 259,326.5 | 11,131.9 | 34,545.4 | 62,356.0 | 2,912.4 | 0.0 | 0.0 | 0.4 | 3,499.2 | 648,071.7 | | Participaciones | 325,684.9 | 2,002,154.0 | 94,646.8 | 38,244.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,460,730.3 | | Activo Material | 2,011,576.7 | 798,740.5 | 1,115,160.3 | 268,738.1 | 383,141.6 | 256,684.3 | 158,730.3 | 17,650.9 | 88,761.0 | 59,374.2 | 5,158,557.8 | | Activos Intangibles | 295,838.1 | 131,261.3 | 344.6 | 54,906.7 | 165,770.4 | 44,501.1 | 6,195.6 | 16,252.2 | 24,416.5 | 7,243.5 | 746,729.8 | | Activos Fiscales | 2,300.4 | 130,107.0 | 0.0 | 114,730.4 | 204,374.1 | 4,431.8 | 7,949.6 | 223.8 | 11,335.7 | 14,278.3 | 489,730.9 | | Otros Activos | 344,676.6 | 252,866.1 | 251,601.4 | 172,176.6 | 108,241.3 | 16,975.5 | 5,345.1 | 11,079.6 | 34,468.5 | 10,811.3 | 1,208,242.0 | | Pasivo | 70,567,684.8 | 58,093,707.3 | 50,729,585.2 | 17,323,715.2 | 18,918,720.2 | 7,032,765.7 | 1,809,741.3 | 783,265.3 | 1,854,945.2 | 2,498,839.2 | 229,612,969.4 | | Pasivos Financieros a Costo Amortizado | 69,515,469.5 | 55,038,583.8 | 49,455,498.2 | 16,735,987.7 | 18,031,848.2 | 6,853,149.7 | 1,721,176.7 | 739,837.8 | 1,750,273.4 | 2,249,633.9 | 222,091,458.9 | | Obligaciones con el Público | 57,912,200.7 | 47,123,783.8 | 47,474,463.7 | 12,749,814.0 | 13,643,010.1 | 5,399,073.2 | 0.0 | 359,662.9 | 0.0 | 0.0 | 184,662,008.3 | | Moneda Nacional | 22,978,900.3 | 13,431,140.5 | 12,218,739.1 | 2,284,224.6 | 1,874,839.1 | 605,503.6 | 0.0 | 18,267.5 | 0.0 | 0.0 | 53,411,614.8 | | Depósitos a la Vista | 13,646,700.5 | 7,551,340.1 | 7,826,014.6 | 560,272.3 | 1,209,805.8 | 362,004.7 | 0.0 | 16,070.8 | 0.0 | 0.0 | 31,172,208.9 | | Depósitos de Ahorro | 7,652,243.0 | 5,357,460.7 | 3,720,033.8 | 1,663,230.5 | 336,363.5 | 213,818.6 | 0.0 | 1,160.3 | 0.0 | 0.0 | 18,944,310.5 | | Depósitos a Plazo | 1,679,956.8 | 522,339.7 | 672,690.7 | 60,721.8 | 328,669.8 | 29,680.2 | 0.0 | 1,036.4 | 0.0 | 0.0 | 3,295,095.5 | | 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 | 34,722,369.0 | 33,566,382.4 | 35,147,195.0 | 10,374,216.6 | 11,666,187.6 | 4,768,147.1 | 0.0 | 339,739.3 | 0.0 | 0.0 | 130,584,237.0 | | Depósitos a la Vista | 9,767,155.2 | 9,250,396.9 | 11,699,522.9 | 783,645.8 | 3,507,692.9 | 1,069,895.4 | 0.0 | 85,562.5 | 0.0 | 0.0 | 36,163,871.7 | | Depósitos de Ahorro | 16,028,119.4 | 17,854,093.5 | 17,942,448.3 | 5,161,025.4 | 2,859,198.9 | 1,738,904.4 | 0.0 | 15,900.1 | 0.0 | 0.0 | 61,599,690.0 | | Depósitos a Plazo | 8,927,094.4 | 6,461,892.0 | 5,505,223.7 | 4,429,545.4 | 5,299,295.8 | 1,959,347.3 | 0.0 | 238,276.7 | 0.0 | 0.0 | 32,820,675.3 | | 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 | 210,931.3 | 126,261.0 | 108,529.6 | 91,372.8 | 101,983.3 | 25,422.4 | 0.0 | 1,656.1 | 0.0 | 0.0 | 666,156.5 | | Otras Obligaciones Diversas con el Público | 552,728.9 | 484,232.4 | 359,345.9 | 123,017.6 | 63,321.1 | 99,882.7 | 1,301.3 | 6.1 | 0.0 | 0.0 | 1,683,836.0 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 3,314,471.2 | 1,998,131.9 | 1,434,631.3 | 1,267,191.3 | 2,690,838.7 | 580,394.4 | 0.0 | 336,793.2 | 0.0 | 0.0 | 11,622,452.1 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 16,989.0 | 0.0 | 0.0 | 0.0 | 0.0 | 35,263.5 | 0.0 | 52,252.5 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 362,152.8 | 0.0 | 366,375.8 | 43,375.6 | 0.0 | 0.0 | 771,904.1 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,150,617.8 | 5,430,877.8 | 187,057.4 | 2,339,193.8 | 863,450.2 | 682,053.4 | 1,353,499.6 | 0.0 | 1,715,010.0 | 2,249,633.9 | 21,971,393.9 | | Obligaciones con el Banco Central de Nicaragua | 585,450.9 | 1,557.8 | 0.0 | 239,782.0 | 409,075.3 | 91,746.1 | 0.0 | 0.0 | 0.0 | 0.0 | 1,327,612.0 | | 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 | 138,729.5 | 304,740.9 | 213,780.7 | 23,628.1 | 262,266.6 | 50,825.2 | 30,389.8 | 162.2 | 21,519.8 | 16,722.6 | 1,062,765.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,150,389.8 | 0.0 | 362,382.3 | 363,009.4 | 0.0 | 0.0 | 0.0 | 0.0 | 116,533.6 | 2,992,315.0 | | Otros Pasivos y Provisiones | 913,485.8 | 599,992.8 | 1,060,306.3 | 201,717.2 | 261,596.1 | 128,790.8 | 58,174.8 | 43,265.3 | 83,152.0 | 115,949.1 | 3,466,430.1 | | PATRIMONIO | 12,087,476.1 | 10,256,137.3 | 13,088,835.1 | 2,089,141.0 | 2,467,790.5 | 1,239,540.9 | 5,508,179.7 | 473,986.5 | 364,447.5 | 693,249.4 | 48,268,784.0 | | Fondos Propios | 12,161,140.5 | 10,542,414.9 | 12,695,290.6 | 2,071,136.2 | 2,160,544.5 | 1,183,211.1 | 5,424,929.8 | 473,986.5 | 318,930.9 | 663,169.7 | 47,694,754.7 | | 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 | 4,418,928.5 | 672,084.0 | 345,032.0 | 700,710.0 | 20,213,328.3 | | 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 | 4,308,847.9 | 3,270,140.4 | 6,324,333.8 | 563,618.1 | 294,967.7 | 123,737.8 | 0.0 | -157,260.0 | -69,544.5 | -173,253.8 | 14,485,587.4 | | Resultado del Ejercicio | 1,091,457.0 | 874,392.9 | 1,400,207.6 | 28,399.5 | 258,648.2 | 120,960.8 | 228,566.1 | -40,837.5 | 39,775.7 | 45,665.6 | 4,047,235.9 | | Otro Resultado Integral Neto | -205,164.7 | -760,781.4 | 40,272.7 | 6,939.4 | 98,073.1 | 2,626.7 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -794,993.1 | | Ajustes de Transición | 131,500.3 | 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 | 1,369,022.5 | | CUENTAS CONTINGENTES | 14,037,263.5 | 16,948,250.7 | 11,320,611.3 | 1,137,686.9 | 8,725,770.3 | 994,510.0 | 0.0 | 0.0 | 0.0 | 0.0 | 53,164,092.8 | | CUENTAS DE ORDEN | 112,110,261.7 | 48,791,755.5 | 328,125,976.2 | 46,157,027.2 | 19,170,978.6 | 20,056,080.8 | 11,672,941.0 | 1,863,682.0 | 2,198,021.4 | 3,881,653.4 | 594,028,377.9 |
| | 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 OCTUBRE DE 2022 C$ 36.1117 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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