| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 86,611,678.0 | 74,923,872.2 | 71,376,338.1 | 20,193,517.7 | 23,215,282.0 | 9,097,310.4 | 7,091,972.3 | 1,408,405.9 | 2,291,776.2 | 3,155,596.0 | 299,365,748.8 | | Efectivo y Equivalentes de Efectivo | 25,230,101.6 | 14,438,220.6 | 18,198,942.1 | 4,701,818.3 | 4,393,879.3 | 2,144,135.3 | 860,580.7 | 237,277.3 | 409,679.5 | 598,544.6 | 71,213,179.4 | | Moneda Nacional | 10,933,590.6 | 4,595,558.6 | 5,935,190.0 | 1,277,445.7 | 886,394.9 | 485,323.8 | 303,552.6 | 36,679.0 | 154,406.8 | 280,442.5 | 24,888,584.4 | | Caja | 2,374,527.8 | 1,691,556.7 | 2,589,915.0 | 170,777.5 | 392,060.7 | 209,488.6 | 646.4 | 15,581.1 | 20,065.1 | 125,877.7 | 7,590,496.6 | | Banco Central de Nicaragua | 3,796,163.7 | 2,722,275.2 | 3,061,693.7 | 671,978.2 | 456,930.0 | 137,994.3 | 122.8 | 16,888.9 | 49,506.1 | 0.0 | 10,913,552.8 | | Instituciones Financieras | 233,069.5 | 176,905.5 | 283,581.3 | 191,306.9 | 34,861.0 | 12,346.0 | 39,606.7 | 2,554.1 | 84,835.6 | 154,564.8 | 1,213,631.2 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,654.9 | 0.0 | 0.0 | 9,019.4 | | Equivalentes de Efectivo | 4,529,829.6 | 0.0 | 0.0 | 243,383.1 | 0.0 | 125,494.9 | 263,176.8 | 0.0 | 0.0 | 0.0 | 5,161,884.5 | | Moneda Extranjera | 14,296,511.1 | 9,842,662.1 | 12,263,752.1 | 3,424,372.6 | 3,507,484.5 | 1,658,811.5 | 557,028.0 | 200,598.3 | 255,272.7 | 318,102.1 | 46,324,595.0 | | Caja | 1,642,555.4 | 1,026,817.6 | 2,138,860.1 | 202,584.1 | 542,722.1 | 396,191.5 | 1,518.8 | 20,851.5 | 26,047.6 | 71,140.3 | 6,069,289.1 | | Banco Central de Nicaragua | 5,292,497.2 | 5,632,068.2 | 6,473,010.4 | 2,190,386.5 | 2,000,332.7 | 826,406.9 | 2,958.2 | 124,668.6 | 158,411.9 | 0.0 | 22,700,740.6 | | Instituciones Financieras | 6,054,256.8 | 2,286,342.5 | 2,741,515.7 | 414,043.8 | 586,623.7 | 85,711.7 | 552,551.0 | 16,618.3 | 70,813.2 | 246,961.9 | 13,055,438.5 | | Depósitos Restringidos | 252,897.6 | 897,433.8 | 0.0 | 35,563.8 | 110,389.3 | 23,172.0 | 0.0 | 38,459.9 | 0.0 | 0.0 | 1,357,916.4 | | Equivalentes de Efectivo | 1,054,303.9 | 0.0 | 910,365.9 | 581,794.4 | 267,416.7 | 327,329.3 | 0.0 | 0.0 | 0.0 | 0.0 | 3,141,210.3 | | 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 | 1,498,245.2 | 12,122,725.3 | 11,919,570.5 | 0.0 | 7,181,477.3 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 32,729,018.3 | | Cartera a Costo Amortizado | 56,315,223.0 | 43,559,525.6 | 39,624,200.2 | 14,844,250.5 | 9,982,864.7 | 6,464,976.0 | 6,044,756.9 | 1,127,009.7 | 1,708,979.9 | 2,432,934.0 | 182,104,720.6 | | Inversiones a Costo Amortizado, Neto | 6,523,130.9 | 13,281,458.6 | 0.0 | 1,874,761.1 | 0.0 | 217,794.1 | 2,223,139.8 | 55,032.1 | 375.6 | 160,175.9 | 24,335,868.1 | | Cartera de Créditos, Neta | 49,792,092.1 | 30,278,067.0 | 39,624,200.2 | 12,969,489.3 | 9,982,864.7 | 6,247,181.9 | 3,821,617.2 | 1,071,977.7 | 1,708,604.3 | 2,272,758.1 | 157,768,852.5 | | Vigentes | 47,662,370.1 | 28,883,153.1 | 39,301,722.1 | 12,233,777.4 | 9,499,330.3 | 6,158,649.5 | 3,885,281.2 | 1,081,848.3 | 1,702,862.7 | 2,226,963.6 | 152,635,958.2 | | Prorrogados | 47,366.8 | 6,550.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 53,916.8 | | Reestructurados | 2,638,626.2 | 1,718,111.8 | 3,136,576.1 | 768,608.0 | 565,877.6 | 267,567.4 | 10,451.7 | 0.0 | 35,780.8 | 5,791.7 | 9,147,391.3 | | Vencidos | 282,457.2 | 209,174.5 | 172,069.8 | 108,048.3 | 91,948.2 | 38,014.3 | 28,437.2 | 0.0 | 31,457.7 | 42,060.1 | 1,003,667.3 | | Cobro Judicial | 216,727.5 | 324,257.5 | 490,524.7 | 89,327.5 | 16,076.7 | 10,573.4 | 795.6 | 0.0 | 0.0 | 2,014.9 | 1,150,297.5 | | Diferimiento de comisiones y otros | -94,061.4 | -141,905.3 | -182,656.3 | -34,076.7 | -11,421.0 | -27,676.2 | -3,720.6 | -4,005.4 | -4,689.3 | -4,519.2 | -508,731.4 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 670,566.3 | 380,310.6 | 380,013.4 | 170,651.6 | 124,211.3 | 89,233.5 | 69,376.2 | 4,693.5 | 36,164.1 | 80,898.2 | 2,006,118.7 | | (-) Provisión de Cartera de Créditos | -1,631,960.7 | -1,101,585.1 | -3,674,049.6 | -366,846.7 | -303,158.2 | -289,179.9 | -169,004.2 | -10,558.8 | -92,971.5 | -80,451.3 | -7,719,766.0 | | Cuentas por Cobrar, Neto | 336,642.3 | 845,862.0 | 299,930.4 | 56,077.6 | 52,857.7 | 150,377.5 | 5,886.8 | 1,693.0 | 20,251.9 | 16,115.8 | 1,785,695.0 | | 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 | 170,169.6 | 151,867.7 | 7,405.8 | 38,326.3 | 35,711.2 | 1,086.2 | 0.0 | 0.0 | 0.0 | 3,316.1 | 407,882.8 | | Participaciones | 328,617.4 | 2,118,244.2 | 101,412.0 | 40,217.0 | 721,288.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,309,778.9 | | Activo Material | 2,015,793.4 | 841,356.7 | 1,139,599.5 | 268,624.1 | 413,086.6 | 254,864.0 | 155,331.9 | 15,619.3 | 88,955.8 | 63,200.0 | 5,256,431.3 | | Activos Intangibles | 282,621.4 | 120,286.1 | 0.0 | 49,542.2 | 169,698.7 | 46,440.7 | 6,690.0 | 23,440.8 | 23,328.4 | 12,497.7 | 734,545.9 | | Activos Fiscales | 8,901.0 | 461,321.7 | 0.0 | 67,764.3 | 127,981.6 | 4,720.8 | 7,773.7 | 0.0 | 11,980.8 | 14,294.7 | 704,738.7 | | Otros Activos | 425,363.0 | 264,462.3 | 85,277.7 | 126,897.4 | 136,436.5 | 23,959.9 | 10,702.3 | 3,365.8 | 28,599.9 | 14,693.0 | 1,119,757.8 | | Pasivo | 73,524,274.0 | 63,263,914.2 | 57,266,399.2 | 18,064,776.7 | 20,655,261.0 | 7,763,615.3 | 1,427,035.1 | 882,022.2 | 1,892,366.7 | 2,431,196.4 | 247,170,860.8 | | Pasivos Financieros a Costo Amortizado | 72,448,806.4 | 59,734,266.8 | 55,928,051.8 | 17,468,241.2 | 19,641,890.3 | 7,608,987.9 | 1,324,717.8 | 839,602.6 | 1,790,977.1 | 2,185,789.3 | 238,971,331.1 | | Obligaciones con el Público | 61,104,932.8 | 54,432,976.3 | 54,170,781.8 | 14,182,806.5 | 15,348,585.3 | 6,069,517.3 | 0.0 | 398,382.1 | 0.0 | 0.0 | 205,707,982.1 | | Moneda Nacional | 25,310,141.5 | 17,043,833.5 | 14,926,636.7 | 2,685,755.5 | 2,404,328.8 | 735,826.7 | 0.0 | 16,650.7 | 0.0 | 0.0 | 63,123,173.4 | | Depósitos a la Vista | 14,580,357.7 | 9,795,456.0 | 10,137,156.8 | 717,697.5 | 1,641,199.2 | 466,438.6 | 0.0 | 8,992.6 | 0.0 | 0.0 | 37,347,298.3 | | Depósitos de Ahorro | 9,536,965.4 | 6,726,146.0 | 4,388,051.6 | 1,888,511.7 | 377,143.3 | 239,487.4 | 0.0 | 1,899.8 | 0.0 | 0.0 | 23,158,205.2 | | Depósitos a Plazo | 1,192,818.4 | 522,231.6 | 401,428.2 | 79,546.4 | 385,986.3 | 29,900.7 | 0.0 | 5,758.4 | 0.0 | 0.0 | 2,617,670.0 | | 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 | 35,636,788.7 | 37,253,027.9 | 39,127,590.3 | 11,408,834.9 | 12,842,930.7 | 5,308,466.4 | 0.0 | 380,194.8 | 0.0 | 0.0 | 141,957,833.7 | | Depósitos a la Vista | 9,751,130.4 | 10,149,052.8 | 13,781,950.5 | 881,477.2 | 3,949,371.9 | 1,365,228.3 | 0.0 | 108,175.4 | 0.0 | 0.0 | 39,986,386.4 | | Depósitos de Ahorro | 17,894,536.3 | 20,353,447.7 | 19,250,419.7 | 5,468,777.3 | 2,986,561.8 | 1,966,817.9 | 0.0 | 22,477.6 | 0.0 | 0.0 | 67,943,038.2 | | Depósitos a Plazo | 7,991,122.1 | 6,750,527.4 | 6,095,220.1 | 5,058,580.4 | 5,906,997.1 | 1,976,420.2 | 0.0 | 249,541.8 | 0.0 | 0.0 | 34,028,409.1 | | 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 | 158,002.6 | 136,114.8 | 116,554.8 | 88,216.1 | 101,325.8 | 25,224.3 | 0.0 | 1,536.6 | 0.0 | 0.0 | 626,975.0 | | Otras Obligaciones Diversas con el Público | 545,293.1 | 430,455.9 | 428,776.7 | 102,557.8 | 61,865.8 | 58,119.4 | 1,281.6 | 611.5 | 0.0 | 0.0 | 1,628,961.8 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,190,095.9 | 1,621,139.6 | 1,018,756.0 | 1,188,591.2 | 2,345,561.0 | 870,896.0 | 0.0 | 440,608.9 | 0.0 | 0.0 | 9,675,648.7 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 15,369.9 | 0.0 | 0.0 | 0.0 | 0.0 | 35,791.5 | 0.0 | 51,161.4 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 360,890.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 360,890.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 8,098,138.1 | 3,249,017.1 | 147,468.1 | 1,731,996.1 | 1,179,412.0 | 513,333.7 | 1,323,436.2 | 0.0 | 1,755,185.6 | 2,185,789.3 | 20,183,776.4 | | Obligaciones con el Banco Central de Nicaragua | 510,346.4 | 677.8 | 162,269.2 | 246,919.6 | 345,575.6 | 97,121.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,362,910.1 | | 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 | 147,541.9 | 705,261.9 | 247,335.6 | 21,644.7 | 128,260.2 | 52,117.0 | 28,855.2 | 208.1 | 21,287.3 | 16,676.7 | 1,369,188.7 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,173,781.0 | 0.0 | 369,560.7 | 370,672.3 | 0.0 | 0.0 | 0.0 | 0.0 | 118,516.6 | 3,032,530.7 | | Otros Pasivos y Provisiones | 927,925.7 | 650,604.4 | 1,091,011.7 | 205,330.0 | 514,438.2 | 102,510.4 | 73,462.0 | 42,211.5 | 80,102.3 | 110,213.9 | 3,797,810.3 | | PATRIMONIO | 13,087,403.9 | 11,659,958.1 | 14,109,939.0 | 2,128,741.0 | 2,560,021.0 | 1,333,695.1 | 5,664,937.3 | 526,383.6 | 399,409.5 | 724,399.5 | 52,194,888.1 | | Fondos Propios | 13,109,254.8 | 11,616,220.3 | 13,741,354.8 | 2,117,874.2 | 2,378,881.5 | 1,277,104.0 | 5,581,727.1 | 526,383.6 | 352,618.7 | 694,574.5 | 51,395,993.6 | | 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 | 4,660,519.5 | 744,542.0 | 345,032.0 | 700,710.0 | 20,527,377.3 | | 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 | 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 | 5,465,505.1 | 4,280,892.4 | 7,527,774.5 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -204,491.1 | -26,378.5 | -119,140.2 | 18,271,890.9 | | Resultado del Ejercicio | 679,356.9 | 759,078.4 | 1,005,776.1 | 85,622.1 | 168,788.0 | 71,972.0 | 102,166.6 | -13,667.2 | 22,663.3 | 13,407.3 | 2,895,163.3 | | Otro Resultado Integral Neto | -150,105.2 | -430,766.1 | 15,312.4 | -198.6 | -28,033.3 | 2,888.1 | 14,334.7 | 0.0 | 6,822.0 | 2,769.4 | -566,976.5 | | Ajustes de Transición | 128,254.3 | 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 | 1,365,871.0 | | CUENTAS CONTINGENTES | 15,941,279.7 | 17,648,651.1 | 12,459,945.6 | 1,235,049.6 | 9,711,618.0 | 1,244,924.3 | 0.0 | 47,334.7 | 0.0 | 0.0 | 58,288,803.1 | | CUENTAS DE ORDEN | 122,831,678.1 | 50,042,415.5 | 372,162,705.0 | 48,563,663.5 | 20,866,703.9 | 21,012,219.2 | 11,473,962.2 | 2,346,965.9 | 2,512,510.9 | 4,284,172.8 | 656,096,996.9 |
| | 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 MAYO DE 2023 C$ 36.4113 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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