| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 84,294,436.9 | 71,087,919.0 | 68,220,370.4 | 19,855,794.1 | 22,074,564.0 | 8,848,609.7 | 7,005,075.9 | 1,403,155.1 | 2,099,507.0 | 2,969,640.0 | 287,859,072.1 | | Efectivo y Equivalentes de Efectivo | 24,198,091.1 | 13,860,228.5 | 19,675,432.5 | 4,449,042.5 | 5,477,411.5 | 2,466,913.3 | 605,787.0 | 334,633.0 | 280,961.0 | 555,739.5 | 71,904,239.8 | | Moneda Nacional | 10,616,072.9 | 4,130,546.0 | 5,763,511.8 | 822,899.7 | 1,239,975.9 | 492,658.2 | 32,180.9 | 50,601.7 | 125,286.3 | 236,251.1 | 23,509,984.6 | | Caja | 2,576,821.8 | 1,556,439.9 | 2,419,156.7 | 287,416.7 | 457,455.7 | 212,429.2 | 443.7 | 12,131.2 | 22,571.2 | 88,976.1 | 7,633,842.2 | | Banco Central de Nicaragua | 3,417,923.6 | 2,416,508.7 | 3,112,195.8 | 475,182.1 | 255,649.1 | 104,158.1 | 119.1 | 28,383.7 | 6.7 | 0.0 | 9,810,127.0 | | Instituciones Financieras | 232,240.6 | 152,776.1 | 232,159.3 | 60,300.9 | 75,116.0 | 176,071.0 | 31,618.1 | 9,243.6 | 102,708.3 | 147,275.0 | 1,219,509.0 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 843.1 | 0.0 | 0.0 | 8,207.6 | | Equivalentes de Efectivo | 4,389,087.0 | 0.0 | 0.0 | 0.0 | 449,211.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,838,298.8 | | Moneda Extranjera | 13,582,018.1 | 9,729,682.4 | 13,911,920.7 | 3,626,142.8 | 4,237,435.5 | 1,974,255.0 | 573,606.1 | 284,031.3 | 155,674.7 | 319,488.4 | 48,394,255.2 | | Caja | 1,389,460.6 | 890,113.3 | 2,678,161.3 | 169,343.4 | 493,513.7 | 466,779.1 | 1,357.7 | 11,435.9 | 23,475.3 | 50,736.8 | 6,174,377.2 | | Banco Central de Nicaragua | 5,542,341.0 | 4,910,993.6 | 6,519,542.7 | 2,275,597.1 | 2,177,712.2 | 759,145.5 | 335.5 | 119,483.9 | 56,275.9 | 0.0 | 22,361,427.5 | | Instituciones Financieras | 4,762,427.5 | 1,921,667.8 | 4,351,259.4 | 584,739.9 | 766,556.0 | 200,348.1 | 571,912.8 | 31,238.6 | 75,923.6 | 268,751.6 | 13,534,825.2 | | Depósitos Restringidos | 260,442.4 | 918,382.6 | 0.0 | 34,921.7 | 108,408.4 | 3,881.9 | 0.0 | 31,133.6 | 0.0 | 0.0 | 1,357,170.6 | | Equivalentes de Efectivo | 1,627,346.7 | 1,088,525.2 | 362,957.3 | 561,540.8 | 691,245.3 | 544,100.3 | 0.0 | 90,739.3 | 0.0 | 0.0 | 4,966,454.8 | | 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 | 1,502,714.5 | 14,993,274.9 | 10,760,463.3 | 168,826.8 | 5,947,509.8 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 33,379,789.3 | | Cartera a Costo Amortizado | 55,112,348.0 | 37,839,226.5 | 36,235,241.6 | 14,531,214.2 | 8,936,464.8 | 5,979,696.8 | 6,213,785.8 | 1,025,414.8 | 1,661,738.5 | 2,299,404.5 | 169,834,535.5 | | Inversiones a Costo Amortizado, Neto | 7,251,221.9 | 9,583,288.2 | 0.0 | 1,863,410.6 | 24,708.1 | 0.0 | 2,371,351.7 | 55,542.2 | 368.2 | 109,305.7 | 21,259,196.6 | | Cartera de Créditos, Neta | 47,861,126.1 | 28,255,938.3 | 36,235,241.6 | 12,667,803.6 | 8,911,756.7 | 5,979,696.8 | 3,842,434.0 | 969,872.6 | 1,661,370.4 | 2,190,098.8 | 148,575,338.9 | | Vigentes | 45,601,001.6 | 26,401,864.1 | 35,846,416.8 | 11,803,023.2 | 8,386,060.8 | 5,837,109.7 | 3,917,542.3 | 979,515.1 | 1,651,966.8 | 2,132,315.6 | 142,556,815.7 | | Prorrogados | 72,651.3 | 6,714.2 | 3,525.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 82,890.5 | | Reestructurados | 2,686,559.8 | 2,189,638.2 | 3,195,852.6 | 841,506.4 | 607,573.2 | 298,432.3 | 11,371.6 | 0.0 | 41,669.6 | 10,373.0 | 9,882,976.7 | | Vencidos | 229,787.7 | 147,433.3 | 384,144.6 | 99,205.7 | 79,452.4 | 42,390.3 | 26,767.2 | 0.0 | 31,312.2 | 47,954.7 | 1,088,448.0 | | Cobro Judicial | 242,287.8 | 451,780.2 | 387,856.4 | 194,937.0 | 18,408.7 | 11,343.9 | 949.9 | 0.0 | 0.0 | 527.2 | 1,308,091.1 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -94,875.1 | -136,571.6 | -170,108.4 | -29,301.0 | -9,632.8 | -26,205.8 | -4,052.9 | -3,848.9 | -4,797.4 | 0.0 | -479,394.0 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 694,866.5 | 341,772.8 | 389,863.4 | 177,046.1 | 118,486.4 | 102,756.2 | 67,805.8 | 3,676.2 | 34,746.6 | 84,852.5 | 2,015,872.3 | | (-) Provisión de Cartera de Créditos | -1,571,153.5 | -1,146,692.8 | -3,802,308.7 | -418,613.7 | -288,591.9 | -286,129.8 | -177,949.9 | -9,469.8 | -93,527.3 | -85,924.2 | -7,880,361.6 | | Cuentas por Cobrar, Neto | 270,671.5 | 533,876.5 | 128,902.3 | 47,375.7 | 53,263.5 | 63,132.1 | 2,689.9 | 2,183.7 | 14,205.9 | 19,122.6 | 1,135,423.8 | | 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 | 259,898.5 | 198,157.2 | 9,932.9 | 40,120.2 | 40,465.1 | 3,332.7 | 0.0 | 0.0 | 0.0 | 2,835.8 | 554,742.4 | | Participaciones | 328,617.4 | 2,064,511.0 | 97,468.1 | 40,640.3 | 707,083.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,238,320.3 | | Activo Material | 2,007,862.9 | 820,510.4 | 1,126,120.4 | 273,716.6 | 395,372.6 | 255,517.6 | 155,218.5 | 16,277.5 | 90,209.4 | 57,749.3 | 5,198,555.1 | | Activos Intangibles | 302,891.5 | 129,499.7 | 153.1 | 53,882.2 | 173,958.0 | 49,418.4 | 6,615.3 | 20,822.8 | 21,701.0 | 10,065.2 | 769,007.3 | | Activos Fiscales | 13,987.3 | 380,043.6 | 0.0 | 79,693.9 | 236,534.2 | 4,318.9 | 8,490.3 | 225.5 | 12,541.3 | 14,305.5 | 750,140.5 | | Otros Activos | 297,354.2 | 268,590.7 | 186,656.2 | 171,281.7 | 106,500.9 | 19,530.0 | 12,239.1 | 3,597.8 | 18,149.8 | 10,417.6 | 1,094,318.1 | | Pasivo | 71,740,054.9 | 59,947,989.6 | 54,955,872.4 | 17,732,129.4 | 19,589,704.3 | 7,571,872.5 | 1,422,261.6 | 866,535.7 | 1,718,489.7 | 2,253,301.2 | 237,798,211.4 | | Pasivos Financieros a Costo Amortizado | 70,685,803.5 | 56,739,815.7 | 53,840,238.8 | 17,152,170.5 | 18,436,484.7 | 7,415,043.7 | 1,333,423.5 | 819,055.1 | 1,620,473.1 | 2,018,405.0 | 230,060,913.6 | | Obligaciones con el Público | 59,104,296.4 | 49,895,064.8 | 51,695,837.5 | 13,169,598.1 | 13,768,521.2 | 5,811,520.8 | 0.0 | 328,147.5 | 0.0 | 0.0 | 193,772,986.2 | | Moneda Nacional | 23,327,447.4 | 14,173,439.8 | 13,969,399.7 | 2,227,345.5 | 1,883,122.4 | 636,314.4 | 0.0 | 17,447.3 | 0.0 | 0.0 | 56,234,516.6 | | Depósitos a la Vista | 13,584,132.3 | 7,771,604.4 | 8,982,265.8 | 532,330.4 | 1,375,685.7 | 337,120.4 | 0.0 | 12,389.4 | 0.0 | 0.0 | 32,595,528.5 | | Depósitos de Ahorro | 8,829,685.8 | 5,986,476.3 | 4,540,204.4 | 1,646,861.0 | 429,122.4 | 269,800.8 | 0.0 | 4,021.5 | 0.0 | 0.0 | 21,706,172.1 | | Depósitos a Plazo | 913,629.3 | 415,359.1 | 446,929.5 | 48,154.1 | 78,314.3 | 29,393.2 | 0.0 | 1,036.4 | 0.0 | 0.0 | 1,932,816.0 | | 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 | 35,590,227.9 | 35,596,498.8 | 37,620,106.9 | 10,844,148.3 | 11,802,658.9 | 5,150,807.4 | 0.0 | 308,978.8 | 0.0 | 0.0 | 136,913,426.9 | | Depósitos a la Vista | 9,904,842.4 | 10,211,046.0 | 12,768,102.7 | 833,075.8 | 3,306,473.7 | 1,340,591.7 | 0.0 | 57,406.0 | 0.0 | 0.0 | 38,421,538.3 | | Depósitos de Ahorro | 17,194,109.5 | 18,987,788.2 | 19,189,730.1 | 5,372,976.0 | 2,988,512.5 | 1,928,202.5 | 0.0 | 14,830.5 | 0.0 | 0.0 | 65,676,149.3 | | Depósitos a Plazo | 8,491,275.9 | 6,397,664.5 | 5,662,274.2 | 4,638,096.5 | 5,507,672.8 | 1,882,013.1 | 0.0 | 236,742.3 | 0.0 | 0.0 | 32,815,739.4 | | 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 | 186,621.1 | 125,126.2 | 106,330.8 | 98,104.3 | 82,739.8 | 24,399.1 | 0.0 | 1,721.4 | 0.0 | 0.0 | 625,042.8 | | Otras Obligaciones Diversas con el Público | 778,647.7 | 429,336.9 | 393,478.2 | 102,270.9 | 61,583.6 | 74,681.3 | 1,271.6 | 6.1 | 0.0 | 0.0 | 1,841,276.2 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,662,910.1 | 2,642,612.7 | 1,444,463.5 | 1,328,959.0 | 2,439,640.7 | 811,981.0 | 0.0 | 490,901.5 | 0.0 | 0.0 | 11,821,468.6 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 17,074.0 | 0.0 | 0.0 | 0.0 | 0.0 | 35,447.5 | 0.0 | 52,521.5 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 765,608.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 765,608.8 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,621,389.8 | 3,771,307.6 | 144,720.3 | 2,300,259.6 | 1,066,402.1 | 625,056.3 | 1,332,151.9 | 0.0 | 1,585,025.7 | 2,018,405.0 | 20,464,718.3 | | Obligaciones con el Banco Central de Nicaragua | 518,559.5 | 1,493.7 | 161,739.3 | 234,008.8 | 334,728.4 | 91,804.3 | 0.0 | 0.0 | 0.0 | 0.0 | 1,342,334.1 | | 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 | 139,947.6 | 490,184.0 | 221,311.1 | 23,305.5 | 253,610.0 | 51,842.2 | 30,713.7 | 205.7 | 20,753.3 | 15,943.4 | 1,247,816.5 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,087,604.4 | 0.0 | 374,293.3 | 375,513.7 | 0.0 | 0.0 | 0.0 | 0.0 | 119,450.1 | 2,956,861.5 | | Otros Pasivos y Provisiones | 914,303.8 | 630,385.4 | 894,322.4 | 182,360.2 | 524,095.8 | 104,986.6 | 58,124.5 | 47,275.0 | 77,263.3 | 99,502.7 | 3,532,619.7 | | PATRIMONIO | 12,554,382.0 | 11,139,929.4 | 13,264,498.0 | 2,123,664.6 | 2,484,859.7 | 1,276,737.3 | 5,582,814.3 | 536,619.3 | 381,017.3 | 716,338.8 | 50,060,860.7 | | Fondos Propios | 12,557,483.4 | 11,010,420.1 | 12,887,793.1 | 2,107,851.7 | 2,254,126.0 | 1,220,146.1 | 5,499,604.1 | 536,619.3 | 334,226.5 | 686,513.8 | 49,094,784.2 | | 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 | 4,657,087.5 | 672,084.0 | 345,032.0 | 700,710.0 | 20,451,487.3 | | 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 | 2,190,892.8 | 2,307,377.0 | 2,352,804.2 | 504,537.6 | 449,455.7 | 121,553.5 | 560,623.0 | 0.0 | 11,302.0 | 28,894.9 | 8,527,440.7 | | Resultados Acumulados | 5,465,420.1 | 4,280,892.4 | 7,527,774.5 | 606,273.0 | 556,935.3 | 245,187.3 | 0.0 | -205,535.5 | -26,378.5 | -119,140.2 | 18,331,428.3 | | Resultado del Ejercicio | 127,670.5 | 153,278.2 | 152,214.4 | 14,932.8 | 44,032.5 | 15,014.1 | 23,475.5 | -2,388.0 | 4,271.1 | 5,346.6 | 537,847.7 | | Otro Resultado Integral Neto | -131,440.7 | -344,994.6 | 23,433.2 | 4,747.5 | 21,560.8 | 2,888.1 | 14,334.7 | 0.0 | 6,822.0 | 2,769.4 | -399,879.5 | | Ajustes de Transición | 128,339.3 | 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 | 1,365,956.0 | | CUENTAS CONTINGENTES | 14,608,394.6 | 16,793,349.9 | 11,657,780.5 | 1,207,151.3 | 8,852,652.5 | 1,073,218.9 | 0.0 | 0.0 | 0.0 | 0.0 | 54,192,547.7 | | CUENTAS DE ORDEN | 116,078,224.7 | 46,727,788.3 | 341,980,115.2 | 46,189,537.8 | 21,814,889.1 | 20,525,647.5 | 11,354,281.9 | 1,891,184.4 | 2,223,895.7 | 4,020,431.3 | 612,805,995.9 |
| | 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 ENERO DE 2023 C$ 36.2924 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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