| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 86,170,472.9 | 73,730,106.8 | 68,802,884.6 | 20,187,236.2 | 22,496,499.2 | 8,788,205.3 | 7,038,705.7 | 1,366,609.2 | 2,065,829.4 | 2,969,962.3 | 293,616,511.7 | | Efectivo y Equivalentes de Efectivo | 25,903,418.1 | 13,657,536.5 | 18,279,725.9 | 4,862,907.3 | 4,903,849.2 | 2,311,499.3 | 1,067,532.0 | 227,081.2 | 221,811.5 | 577,192.5 | 72,012,553.5 | | Moneda Nacional | 11,453,389.8 | 3,963,075.9 | 5,460,330.0 | 1,015,413.9 | 799,565.5 | 473,417.4 | 183,123.1 | 42,752.4 | 95,391.4 | 274,498.7 | 23,760,958.2 | | Caja | 2,511,494.2 | 1,585,720.5 | 2,556,773.1 | 231,759.7 | 462,022.4 | 177,863.6 | 533.1 | 11,444.9 | 22,090.2 | 130,193.8 | 7,689,895.6 | | Banco Central de Nicaragua | 3,388,200.7 | 2,230,992.2 | 2,699,855.4 | 452,777.2 | 299,852.6 | 104,374.0 | 99.1 | 22,795.6 | 6.6 | 0.0 | 9,198,953.4 | | Instituciones Financieras | 138,408.8 | 141,541.9 | 203,701.5 | 73,072.5 | 35,147.3 | 105,572.0 | 182,490.8 | 6,991.8 | 73,294.6 | 144,304.9 | 1,104,526.2 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,520.0 | 0.0 | 0.0 | 8,884.6 | | Equivalentes de Efectivo | 5,415,286.0 | 0.0 | 0.0 | 257,804.5 | 0.0 | 85,607.9 | 0.0 | 0.0 | 0.0 | 0.0 | 5,758,698.4 | | Moneda Extranjera | 14,450,028.3 | 9,694,460.5 | 12,819,395.9 | 3,847,493.4 | 4,104,283.7 | 1,838,081.9 | 884,408.9 | 184,328.8 | 126,420.1 | 302,693.8 | 48,251,595.3 | | Caja | 1,229,764.5 | 810,999.1 | 2,235,748.0 | 220,922.5 | 451,605.8 | 357,021.1 | 1,290.3 | 17,401.2 | 27,112.0 | 64,533.7 | 5,416,398.3 | | Banco Central de Nicaragua | 5,453,521.9 | 5,572,236.7 | 6,124,677.6 | 2,335,691.1 | 2,062,966.8 | 749,223.2 | 335.2 | 72,494.7 | 27,262.8 | 0.0 | 22,398,410.1 | | Instituciones Financieras | 4,074,835.7 | 2,405,360.1 | 3,369,267.5 | 676,265.4 | 678,605.4 | 183,620.8 | 882,783.3 | 15,314.0 | 72,045.3 | 238,160.1 | 12,596,257.6 | | Depósitos Restringidos | 251,231.6 | 905,864.6 | 0.0 | 35,075.7 | 108,830.4 | 3,899.0 | 0.0 | 31,898.4 | 0.0 | 0.0 | 1,336,799.8 | | Equivalentes de Efectivo | 3,440,674.6 | 0.0 | 1,089,702.9 | 579,538.7 | 802,275.3 | 544,317.7 | 0.0 | 47,220.5 | 0.0 | 0.0 | 6,503,729.6 | | 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 | 1,481,044.3 | 14,067,545.6 | 11,480,246.8 | 170,272.6 | 6,827,422.2 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 34,033,531.4 | | Cartera a Costo Amortizado | 55,181,293.5 | 41,555,457.7 | 37,480,641.8 | 14,501,687.1 | 9,144,763.3 | 6,068,161.9 | 5,784,481.8 | 1,082,714.0 | 1,678,052.5 | 2,280,782.7 | 174,758,036.3 | | Inversiones a Costo Amortizado, Neto | 7,124,046.2 | 12,401,141.2 | 0.0 | 1,834,630.3 | 24,840.6 | 0.0 | 2,384,663.7 | 55,927.8 | 369.8 | 109,702.8 | 23,935,322.5 | | Cartera de Créditos, Neta | 48,057,247.3 | 29,154,316.5 | 37,480,641.8 | 12,667,056.8 | 9,119,922.7 | 6,068,161.9 | 3,399,818.1 | 1,026,786.2 | 1,677,682.7 | 2,171,079.9 | 150,822,713.7 | | Vigentes | 45,901,241.3 | 27,351,512.2 | 37,043,677.0 | 11,881,121.9 | 8,605,730.8 | 5,934,098.0 | 3,476,767.0 | 1,038,005.6 | 1,672,772.1 | 2,125,644.9 | 145,030,570.8 | | Prorrogados | 70,958.6 | 6,719.3 | 3,527.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 507.8 | 81,713.4 | | Reestructurados | 2,626,959.6 | 2,141,859.7 | 3,178,125.2 | 821,060.5 | 592,207.9 | 292,963.2 | 10,754.4 | 0.0 | 41,269.7 | 9,639.3 | 9,714,839.5 | | Vencidos | 210,309.9 | 158,218.4 | 381,474.3 | 116,544.7 | 93,163.7 | 44,227.6 | 26,787.6 | 0.0 | 31,509.8 | 42,256.4 | 1,104,492.4 | | Cobro Judicial | 245,072.0 | 439,611.5 | 366,975.9 | 127,952.5 | 15,465.2 | 11,951.5 | 950.7 | 0.0 | 0.0 | 618.3 | 1,208,597.5 | | Diferimiento de comisiones y otros | -91,216.5 | -136,766.7 | -160,069.3 | -29,724.2 | -9,982.2 | -27,014.6 | -3,526.8 | -4,312.2 | -5,046.6 | 0.0 | -467,659.1 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 668,051.6 | 349,246.2 | 397,221.6 | 170,568.6 | 112,758.0 | 98,871.5 | 54,784.6 | 3,142.1 | 31,292.8 | 72,863.0 | 1,958,800.0 | | (-) Provisión de Cartera de Créditos | -1,574,129.1 | -1,156,084.1 | -3,730,290.6 | -420,467.3 | -289,420.8 | -286,935.3 | -166,699.4 | -10,049.3 | -94,115.2 | -80,449.8 | -7,808,640.8 | | Cuentas por Cobrar, Neto | 285,126.7 | 546,767.3 | 115,746.1 | 50,263.1 | 58,516.1 | 67,920.1 | 3,778.2 | 2,232.5 | 15,243.1 | 15,840.2 | 1,161,433.5 | | 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 | 254,734.2 | 193,416.3 | 6,988.4 | 40,663.2 | 40,099.6 | 1,218.9 | 0.0 | 0.0 | 0.0 | 2,835.8 | 539,956.5 | | Participaciones | 328,617.4 | 2,081,588.7 | 98,898.0 | 40,309.4 | 711,935.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,261,348.5 | | Activo Material | 2,025,544.4 | 827,513.6 | 1,122,290.3 | 276,049.0 | 392,740.7 | 257,076.2 | 154,297.8 | 15,871.8 | 89,445.3 | 57,021.4 | 5,217,850.5 | | Activos Intangibles | 294,445.7 | 125,641.6 | 114.8 | 52,796.1 | 170,824.9 | 48,035.3 | 7,362.9 | 20,488.8 | 22,077.0 | 11,488.8 | 753,275.8 | | Activos Fiscales | 12,715.7 | 392,602.1 | 0.0 | 62,085.7 | 90,924.5 | 4,715.5 | 8,381.0 | 161.6 | 12,401.2 | 14,287.3 | 598,274.6 | | Otros Activos | 403,533.0 | 282,037.4 | 218,232.5 | 130,202.6 | 155,423.7 | 22,828.1 | 12,622.1 | 18,059.3 | 26,798.8 | 10,513.6 | 1,280,251.1 | | Pasivo | 73,515,082.9 | 62,551,957.0 | 55,314,071.8 | 18,109,157.6 | 19,878,530.9 | 7,497,944.0 | 1,432,290.0 | 833,596.7 | 1,682,069.8 | 2,250,402.1 | 243,065,102.8 | | Pasivos Financieros a Costo Amortizado | 72,464,452.7 | 59,304,670.5 | 54,082,885.2 | 17,505,621.5 | 18,806,574.4 | 7,333,124.7 | 1,334,852.9 | 779,939.0 | 1,584,822.4 | 2,025,517.8 | 235,222,461.1 | | Obligaciones con el Público | 61,125,065.4 | 53,092,397.7 | 52,074,835.7 | 13,433,532.1 | 14,315,665.2 | 5,720,324.9 | 0.0 | 352,054.3 | 0.0 | 0.0 | 200,113,875.3 | | Moneda Nacional | 25,061,560.0 | 16,500,240.0 | 13,986,347.3 | 2,447,486.6 | 2,108,382.1 | 660,385.8 | 0.0 | 12,303.2 | 0.0 | 0.0 | 60,776,705.0 | | Depósitos a la Vista | 15,100,264.6 | 9,903,805.4 | 9,223,389.2 | 593,753.4 | 1,333,285.9 | 371,328.8 | 0.0 | 7,198.5 | 0.0 | 0.0 | 36,533,025.7 | | Depósitos de Ahorro | 8,868,140.2 | 6,171,602.6 | 4,333,456.9 | 1,777,511.1 | 387,708.1 | 258,975.9 | 0.0 | 1,434.0 | 0.0 | 0.0 | 21,798,828.7 | | Depósitos a Plazo | 1,093,155.2 | 424,832.0 | 429,501.2 | 76,222.1 | 387,388.1 | 30,081.1 | 0.0 | 3,670.8 | 0.0 | 0.0 | 2,444,850.5 | | 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 | 35,885,129.5 | 36,467,530.0 | 37,980,332.6 | 10,894,092.9 | 12,127,163.5 | 5,037,193.6 | 0.0 | 338,120.3 | 0.0 | 0.0 | 138,729,562.5 | | Depósitos a la Vista | 9,977,640.7 | 10,802,562.7 | 13,183,433.2 | 852,160.7 | 3,517,499.2 | 1,262,225.1 | 0.0 | 62,024.4 | 0.0 | 0.0 | 39,657,546.0 | | Depósitos de Ahorro | 17,332,043.3 | 19,270,784.2 | 19,042,946.1 | 5,288,616.1 | 2,904,202.7 | 1,935,717.6 | 0.0 | 19,483.8 | 0.0 | 0.0 | 65,793,793.8 | | Depósitos a Plazo | 8,575,445.5 | 6,394,183.1 | 5,753,953.2 | 4,753,316.2 | 5,705,461.6 | 1,839,250.9 | 0.0 | 256,612.1 | 0.0 | 0.0 | 33,278,222.7 | | 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 | 178,375.9 | 124,627.7 | 108,155.8 | 91,952.6 | 80,119.5 | 22,745.5 | 0.0 | 1,630.7 | 0.0 | 0.0 | 607,607.8 | | Otras Obligaciones Diversas con el Público | 800,021.6 | 405,723.8 | 392,867.1 | 131,100.4 | 61,476.7 | 62,543.8 | 1,279.8 | 6.1 | 0.0 | 0.0 | 1,855,019.3 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,378,716.4 | 2,075,303.8 | 1,311,802.4 | 1,300,496.9 | 2,468,123.9 | 881,617.6 | 0.0 | 427,878.6 | 0.0 | 0.0 | 10,843,939.7 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 17,140.2 | 0.0 | 0.0 | 0.0 | 0.0 | 35,686.7 | 0.0 | 52,826.9 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 366,064.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 366,064.0 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,638,838.3 | 3,730,703.9 | 141,570.9 | 2,393,627.3 | 1,254,381.2 | 576,800.0 | 1,333,573.1 | 0.0 | 1,549,135.7 | 2,025,517.8 | 20,644,148.2 | | Obligaciones con el Banco Central de Nicaragua | 521,811.0 | 541.3 | 161,809.1 | 229,724.6 | 340,863.4 | 91,838.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,346,587.9 | | 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 | 140,931.5 | 481,460.3 | 251,622.6 | 23,478.1 | 159,435.5 | 51,263.7 | 34,585.8 | 198.2 | 20,473.7 | 15,859.5 | 1,179,309.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,107,704.2 | 0.0 | 377,718.8 | 379,039.3 | 0.0 | 0.0 | 0.0 | 0.0 | 120,447.6 | 2,984,909.9 | | Otros Pasivos y Provisiones | 909,698.7 | 658,122.0 | 979,564.0 | 202,339.1 | 533,481.7 | 113,555.6 | 62,851.3 | 53,459.5 | 76,773.8 | 88,577.2 | 3,678,422.8 | | PATRIMONIO | 12,655,390.0 | 11,178,149.8 | 13,488,812.9 | 2,078,078.7 | 2,617,968.3 | 1,290,261.2 | 5,606,415.7 | 533,012.5 | 383,759.6 | 719,560.2 | 50,551,408.9 | | Fondos Propios | 12,682,062.8 | 11,136,942.2 | 13,108,955.3 | 2,062,294.2 | 2,282,767.2 | 1,233,670.0 | 5,523,205.5 | 533,012.5 | 336,968.8 | 689,735.2 | 49,589,613.9 | | 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 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -205,535.5 | -26,378.5 | -119,140.2 | 18,270,761.5 | | Resultado del Ejercicio | 252,249.9 | 279,800.2 | 373,376.6 | 30,042.0 | 72,673.7 | 28,538.0 | 47,077.0 | -5,994.8 | 7,013.4 | 8,568.0 | 1,093,344.2 | | Otro Resultado Integral Neto | -155,012.1 | -433,296.2 | 26,585.8 | 4,719.1 | 126,028.3 | 2,888.1 | 14,334.7 | 0.0 | 6,822.0 | 2,769.4 | -404,160.9 | | 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 | 14,674,720.8 | 16,662,153.8 | 11,835,485.4 | 1,210,414.0 | 8,986,899.0 | 1,147,432.7 | 0.0 | 47,216.1 | 0.0 | 0.0 | 54,564,321.8 | | CUENTAS DE ORDEN | 116,297,678.8 | 46,237,839.9 | 347,395,441.7 | 46,546,633.5 | 20,163,202.5 | 20,680,345.4 | 11,439,640.6 | 2,246,738.5 | 2,316,653.3 | 3,994,012.8 | 617,318,187.0 |
| | 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 28 DE FEBRERO DE 2023 C$ 36.3201 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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