| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 81,689,029.9 | 72,737,543.9 | 66,167,646.7 | 19,611,107.3 | 21,523,105.5 | 8,884,750.4 | 6,973,493.3 | 1,427,236.7 | 2,173,574.9 | 2,990,705.9 | 284,178,194.6 | | Efectivo y Equivalentes de Efectivo | 22,490,543.4 | 16,409,879.2 | 18,226,505.6 | 4,298,769.0 | 5,946,386.2 | 2,494,148.0 | 144,140.8 | 373,150.7 | 375,133.0 | 517,800.6 | 71,276,456.5 | | Moneda Nacional | 10,141,699.5 | 4,394,570.1 | 5,922,046.2 | 825,847.9 | 871,160.0 | 612,121.9 | 27,013.9 | 63,798.7 | 166,974.0 | 278,030.5 | 23,303,262.8 | | Caja | 2,083,550.9 | 1,316,595.0 | 2,543,881.7 | 245,753.1 | 524,304.1 | 208,327.7 | 549.4 | 9,376.6 | 18,776.9 | 90,789.5 | 7,041,904.8 | | Banco Central de Nicaragua | 7,654,158.3 | 2,172,119.5 | 3,255,341.8 | 551,225.3 | 273,866.7 | 84,412.1 | 2.4 | 41,088.1 | 6.9 | 0.0 | 14,032,221.2 | | Instituciones Financieras | 403,990.3 | 200,699.0 | 122,822.6 | 28,869.5 | 70,446.0 | 179,315.1 | 26,462.1 | 12,503.1 | 148,190.2 | 187,241.0 | 1,380,539.0 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 830.8 | 0.0 | 0.0 | 8,195.3 | | Equivalentes de Efectivo | 0.0 | 700,335.4 | 0.0 | 0.0 | 0.0 | 140,067.1 | 0.0 | 0.0 | 0.0 | 0.0 | 840,402.5 | | Moneda Extranjera | 12,348,843.9 | 12,015,309.1 | 12,304,459.3 | 3,472,921.1 | 5,075,226.2 | 1,882,026.1 | 117,126.9 | 309,352.0 | 208,159.0 | 239,770.1 | 47,973,193.7 | | Caja | 1,338,172.2 | 931,529.2 | 2,784,714.5 | 242,338.0 | 538,732.5 | 391,467.3 | 1,365.8 | 6,721.7 | 21,385.2 | 39,808.0 | 6,296,234.5 | | Banco Central de Nicaragua | 5,565,730.4 | 5,814,307.0 | 4,936,169.6 | 2,506,347.4 | 1,849,396.2 | 916,155.2 | 2,510.7 | 125,467.6 | 132,507.3 | 0.0 | 21,848,591.4 | | Instituciones Financieras | 5,186,859.2 | 2,868,796.1 | 2,771,507.1 | 689,492.5 | 1,364,370.4 | 209,459.8 | 113,250.4 | 92,170.6 | 54,266.5 | 199,962.1 | 13,550,134.7 | | Depósitos Restringidos | 258,082.0 | 955,379.4 | 0.0 | 34,743.2 | 107,857.4 | 3,862.1 | 0.0 | 30,630.0 | 0.0 | 0.0 | 1,390,554.1 | | Equivalentes de Efectivo | 0.0 | 1,445,297.4 | 1,812,068.2 | 0.0 | 1,214,869.6 | 361,081.6 | 0.0 | 54,362.0 | 0.0 | 0.0 | 4,887,678.9 | | 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 | 1,479,781.4 | 17,208,221.2 | 11,461,970.7 | 174,065.8 | 5,916,136.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,247,175.3 | | Cartera a Costo Amortizado | 54,106,880.3 | 34,814,584.5 | 34,914,554.0 | 14,508,966.1 | 8,688,325.0 | 6,002,204.5 | 6,651,550.6 | 1,003,721.7 | 1,649,819.0 | 2,365,748.9 | 164,706,354.7 | | Inversiones a Costo Amortizado, Neto | 7,237,223.4 | 7,216,801.4 | 0.0 | 1,868,967.3 | 0.0 | 0.0 | 2,378,093.1 | 55,069.8 | 365.9 | 108,780.7 | 18,865,301.7 | | Cartera de Créditos, Neta | 46,869,656.9 | 27,597,783.1 | 34,914,554.0 | 12,639,998.7 | 8,688,325.0 | 6,002,204.5 | 4,273,457.5 | 948,651.9 | 1,649,453.1 | 2,256,968.2 | 145,841,053.0 | | Vigentes | 44,634,809.9 | 25,705,260.2 | 34,462,882.4 | 11,747,752.7 | 8,139,478.3 | 5,861,331.0 | 4,315,760.7 | 958,352.3 | 1,637,975.0 | 2,181,940.1 | 139,645,542.5 | | Prorrogados | 71,574.3 | 10,989.4 | 3,519.2 | 14,492.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 100,575.4 | | Reestructurados | 2,699,897.0 | 2,229,499.7 | 3,251,504.2 | 863,286.8 | 626,221.6 | 302,551.1 | 11,009.4 | 0.0 | 43,013.5 | 10,107.6 | 10,037,090.9 | | Vencidos | 220,067.8 | 131,976.5 | 346,860.2 | 94,211.7 | 75,826.1 | 38,214.2 | 27,143.2 | 0.0 | 30,732.1 | 54,376.2 | 1,019,408.0 | | Cobro Judicial | 237,669.4 | 473,720.0 | 388,161.9 | 195,214.2 | 15,545.7 | 8,630.2 | 948.3 | 0.0 | 0.0 | 0.0 | 1,319,889.8 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -92,196.6 | -133,537.3 | -165,457.9 | -28,894.3 | -9,564.7 | -26,275.8 | -4,155.7 | -3,941.5 | -4,498.3 | 0.0 | -468,522.2 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 622,023.4 | 326,617.7 | 364,187.1 | 170,324.1 | 116,394.3 | 102,916.6 | 98,847.6 | 3,499.7 | 36,283.1 | 102,255.6 | 1,943,349.2 | | (-) Provisión de Cartera de Créditos | -1,524,188.3 | -1,146,743.1 | -3,737,103.1 | -416,389.0 | -275,576.3 | -285,162.7 | -176,096.0 | -9,258.5 | -94,052.3 | -91,711.3 | -7,756,280.6 | | Cuentas por Cobrar, Neto | 494,109.7 | 641,935.8 | 270,753.5 | 56,958.3 | 47,545.3 | 60,850.5 | 3,752.5 | 11,300.6 | 18,506.8 | 15,370.9 | 1,621,083.9 | | 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 | 264,736.0 | 200,189.1 | 10,440.3 | 42,318.5 | 40,917.3 | 2,639.0 | 0.0 | 0.0 | 0.0 | 3,038.4 | 564,278.6 | | Participaciones | 328,617.4 | 2,023,217.8 | 95,605.6 | 37,904.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,485,345.5 | | Activo Material | 2,020,111.8 | 801,208.0 | 1,128,534.1 | 267,384.9 | 398,092.1 | 257,651.6 | 156,206.2 | 16,672.2 | 90,610.7 | 58,851.0 | 5,195,322.4 | | Activos Intangibles | 320,080.6 | 133,762.4 | 191.4 | 54,968.3 | 171,091.0 | 43,819.9 | 6,804.5 | 20,822.8 | 21,800.3 | 8,668.7 | 782,009.7 | | Activos Fiscales | 0.0 | 268,130.6 | 0.0 | 98,398.0 | 217,954.3 | 4,378.6 | 7,288.1 | 47.3 | 11,000.0 | 14,384.5 | 621,581.3 | | Otros Activos | 184,169.3 | 236,415.3 | 59,091.5 | 71,373.6 | 96,658.4 | 12,308.4 | 3,500.6 | 1,521.5 | 6,705.2 | 6,842.9 | 678,586.6 | | Pasivo | 69,299,185.8 | 61,945,995.1 | 53,057,911.4 | 17,502,600.8 | 19,018,301.4 | 7,623,027.2 | 1,416,547.1 | 888,229.4 | 1,796,828.7 | 2,279,713.7 | 234,828,340.6 | | Pasivos Financieros a Costo Amortizado | 68,347,301.8 | 58,830,986.0 | 51,849,590.4 | 17,011,807.8 | 18,121,490.4 | 7,459,404.3 | 1,327,908.3 | 848,229.6 | 1,704,102.3 | 2,048,510.7 | 227,549,331.5 | | Obligaciones con el Público | 57,616,552.5 | 48,749,885.9 | 50,021,532.9 | 13,149,508.8 | 14,219,270.2 | 5,846,371.7 | 0.0 | 359,064.2 | 0.0 | 0.0 | 189,962,186.0 | | Moneda Nacional | 22,442,630.9 | 14,300,226.8 | 13,369,522.3 | 2,254,596.1 | 1,655,816.9 | 674,933.1 | 0.0 | 22,660.9 | 0.0 | 0.0 | 54,720,387.0 | | Depósitos a la Vista | 13,509,919.6 | 8,103,998.1 | 8,553,424.0 | 527,555.4 | 1,280,862.5 | 388,927.3 | 0.0 | 20,170.5 | 0.0 | 0.0 | 32,384,857.4 | | Depósitos de Ahorro | 8,231,320.9 | 5,791,152.2 | 4,351,391.5 | 1,681,393.9 | 295,379.3 | 256,716.2 | 0.0 | 1,454.0 | 0.0 | 0.0 | 20,608,808.0 | | Depósitos a Plazo | 701,390.4 | 405,076.5 | 464,706.8 | 45,646.9 | 79,575.0 | 29,289.6 | 0.0 | 1,036.4 | 0.0 | 0.0 | 1,726,721.6 | | 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 | | Moneda Extranjera | 34,975,318.3 | 34,324,053.8 | 36,541,486.5 | 10,802,311.4 | 12,475,349.7 | 5,144,805.5 | 0.0 | 334,776.3 | 0.0 | 0.0 | 134,598,101.5 | | Depósitos a la Vista | 9,588,482.2 | 9,570,989.4 | 12,043,185.5 | 855,668.4 | 3,947,438.1 | 1,321,747.1 | 0.0 | 75,978.9 | 0.0 | 0.0 | 37,403,489.6 | | Depósitos de Ahorro | 16,638,377.6 | 18,363,935.7 | 18,832,351.6 | 5,412,299.3 | 3,052,089.7 | 1,888,025.4 | 0.0 | 24,772.9 | 0.0 | 0.0 | 64,211,852.2 | | Depósitos a Plazo | 8,748,458.4 | 6,389,128.8 | 5,665,949.4 | 4,534,343.6 | 5,475,821.9 | 1,935,033.1 | 0.0 | 234,024.5 | 0.0 | 0.0 | 32,982,759.7 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 198,603.3 | 125,605.2 | 110,524.0 | 92,601.3 | 88,103.6 | 26,633.1 | 0.0 | 1,627.0 | 0.0 | 0.0 | 643,697.6 | | Otras Obligaciones Diversas con el Público | 475,460.5 | 383,575.0 | 248,617.4 | 124,562.1 | 49,852.6 | 78,020.1 | 1,305.6 | 6.1 | 0.0 | 0.0 | 1,361,399.5 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,562,251.4 | 2,138,767.4 | 1,270,607.3 | 1,188,956.4 | 2,337,230.9 | 814,483.7 | 0.0 | 489,159.3 | 0.0 | 0.0 | 10,801,456.3 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 16,953.7 | 0.0 | 0.0 | 0.0 | 0.0 | 35,153.6 | 0.0 | 52,107.2 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 366,874.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 366,874.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,146,729.3 | 7,557,313.9 | 147,365.4 | 2,325,257.5 | 813,690.4 | 628,784.3 | 1,326,602.6 | 0.0 | 1,668,948.7 | 2,048,510.7 | 23,663,202.8 | | Obligaciones con el Banco Central de Nicaragua | 546,308.1 | 1,443.8 | 161,467.5 | 206,569.4 | 334,571.4 | 91,744.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,342,104.7 | | 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 | 153,233.3 | 437,948.0 | 174,881.6 | 23,114.1 | 263,258.7 | 50,233.4 | 36,309.7 | 186.5 | 21,218.5 | 15,375.3 | 1,175,759.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,063,693.3 | 0.0 | 370,226.9 | 371,287.9 | 0.0 | 0.0 | 0.0 | 0.0 | 118,248.4 | 2,923,456.4 | | Otros Pasivos y Provisiones | 798,650.7 | 613,367.8 | 1,033,439.3 | 97,452.1 | 262,264.5 | 113,389.5 | 52,329.2 | 39,813.3 | 71,508.0 | 97,579.3 | 3,179,793.7 | | PATRIMONIO | 12,389,844.1 | 10,791,548.8 | 13,109,735.3 | 2,108,506.5 | 2,504,804.1 | 1,261,723.2 | 5,556,946.2 | 539,007.3 | 376,746.2 | 710,992.2 | 49,349,854.0 | | Fondos Propios | 12,426,849.3 | 10,857,142.0 | 12,735,578.7 | 2,092,918.9 | 2,210,093.5 | 1,205,132.0 | 5,473,736.0 | 539,007.3 | 329,955.4 | 681,167.2 | 48,551,580.4 | | 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 | 72,458.8 | 0.0 | 70,702.4 | 988,162.1 | | 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 | 4,308,965.5 | 3,270,140.4 | 6,184,462.6 | 563,618.1 | 294,967.7 | 123,737.8 | 0.0 | -157,260.0 | -69,639.0 | -173,253.8 | 14,345,739.3 | | Resultado del Ejercicio | 1,357,048.2 | 1,189,120.0 | 1,580,366.9 | 50,182.2 | 308,197.2 | 142,881.7 | 277,372.4 | -48,275.5 | 50,894.7 | 63,663.1 | 4,971,450.9 | | Otro Resultado Integral Neto | -168,308.0 | -540,097.0 | 20,884.9 | 4,522.1 | 85,537.7 | 2,888.1 | 14,334.7 | 0.0 | 6,822.0 | 2,769.4 | -570,646.0 | | Ajustes de Transición | 131,302.9 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 39,968.7 | 27,055.6 | 1,368,919.6 | | CUENTAS CONTINGENTES | 14,659,208.1 | 16,922,001.0 | 11,552,798.2 | 1,186,901.4 | 8,974,957.4 | 1,041,408.1 | 0.0 | 0.0 | 0.0 | 0.0 | 54,337,274.1 | | CUENTAS DE ORDEN | 115,443,064.1 | 52,214,886.1 | 333,401,452.5 | 46,312,097.5 | 20,699,159.7 | 20,388,019.2 | 11,363,304.7 | 1,911,100.1 | 2,237,671.0 | 4,060,991.7 | 608,031,746.5 |
| | 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 DICIEMBRE DE 2022 C$ 36.2314 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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