| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 87,509,866.6 | 74,670,424.4 | 75,659,548.7 | 20,029,379.1 | 23,896,560.1 | 9,314,540.7 | 7,283,117.0 | 1,730,437.0 | 2,228,458.7 | 3,163,241.5 | 305,485,573.8 | | Efectivo y Equivalentes de Efectivo | 24,754,712.0 | 17,156,037.8 | 19,556,383.3 | 4,102,634.6 | 4,350,059.5 | 2,069,661.6 | 264,572.3 | 570,891.7 | 277,452.8 | 516,213.5 | 73,618,619.1 | | Moneda Nacional | 9,670,251.2 | 4,489,950.2 | 5,292,400.9 | 1,134,965.7 | 855,791.0 | 366,640.0 | 43,365.5 | 98,998.1 | 95,816.8 | 272,437.6 | 22,320,617.0 | | Caja | 2,647,189.0 | 1,479,163.0 | 2,561,441.5 | 250,109.8 | 365,557.0 | 189,940.4 | 609.9 | 15,443.7 | 20,559.3 | 131,241.8 | 7,661,255.3 | | Banco Central de Nicaragua | 3,858,626.3 | 2,784,742.0 | 2,586,983.2 | 667,215.8 | 455,665.9 | 120,135.9 | 166.1 | 24,857.5 | 5.8 | 0.0 | 10,498,398.4 | | Instituciones Financieras | 152,636.9 | 223,005.2 | 143,976.2 | 67,738.0 | 32,024.9 | 6,575.1 | 42,589.5 | 20,634.6 | 75,251.7 | 141,195.8 | 905,628.1 | | Depósitos Restringidos | 0.0 | 3,040.0 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 2,038.2 | 0.0 | 0.0 | 7,621.4 | | Equivalentes de Efectivo | 3,011,799.0 | 0.0 | 0.0 | 149,902.1 | 0.0 | 49,988.6 | 0.0 | 36,024.0 | 0.0 | 0.0 | 3,247,713.7 | | Moneda Extranjera | 15,084,460.8 | 12,666,087.6 | 14,263,982.3 | 2,967,668.9 | 3,494,268.5 | 1,703,021.6 | 221,206.9 | 471,893.6 | 181,636.0 | 243,775.9 | 51,298,002.1 | | Caja | 1,741,205.8 | 1,153,474.0 | 2,348,334.4 | 251,611.4 | 429,510.4 | 396,443.5 | 1,349.5 | 16,532.9 | 24,575.8 | 78,952.9 | 6,441,990.6 | | Banco Central de Nicaragua | 5,838,816.1 | 5,521,766.9 | 6,163,464.2 | 2,170,503.3 | 2,043,392.1 | 870,635.7 | 934.3 | 181,328.9 | 5,493.6 | 0.0 | 22,796,335.1 | | Instituciones Financieras | 5,680,402.2 | 4,563,669.4 | 3,563,669.1 | 364,073.7 | 720,623.0 | 84,258.2 | 218,923.0 | 108,377.6 | 151,566.7 | 164,822.9 | 15,620,385.9 | | Depósitos Restringidos | 259,397.7 | 880,048.6 | 0.0 | 35,923.4 | 111,498.9 | 23,406.3 | 0.0 | 37,990.8 | 0.0 | 0.0 | 1,348,265.7 | | Equivalentes de Efectivo | 1,564,639.0 | 547,128.6 | 2,188,514.6 | 145,557.1 | 189,244.0 | 328,277.9 | 0.0 | 127,663.4 | 0.0 | 0.0 | 5,091,024.7 | | 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 | 1,176,878.4 | 11,735,164.8 | 15,173,509.7 | 0.0 | 7,569,429.2 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 35,661,982.0 | | Cartera a Costo Amortizado | 57,996,257.9 | 41,336,702.3 | 39,282,839.6 | 15,294,094.1 | 10,345,749.6 | 6,767,885.0 | 6,825,422.1 | 1,109,218.6 | 1,781,284.7 | 2,524,700.4 | 183,264,154.4 | | Inversiones a Costo Amortizado, Neto | 7,900,872.6 | 11,980,332.2 | 0.0 | 1,876,304.8 | 0.0 | 337,332.0 | 1,880,932.2 | 55,874.5 | 379.4 | 109,858.9 | 24,141,886.7 | | Cartera de Créditos, Neta | 50,095,385.3 | 29,356,370.0 | 39,282,839.6 | 13,417,789.3 | 10,345,749.6 | 6,430,553.1 | 4,944,489.9 | 1,053,344.1 | 1,780,905.3 | 2,414,841.4 | 159,122,267.6 | | Vigentes | 48,031,949.2 | 28,110,089.8 | 39,034,932.4 | 12,725,579.2 | 9,989,127.3 | 6,354,590.7 | 5,005,315.8 | 1,062,875.7 | 1,777,640.2 | 2,358,449.7 | 154,450,550.0 | | Prorrogados | 48,257.0 | 2,184.6 | 1,289.6 | 0.0 | 0.0 | 341.7 | 0.0 | 0.0 | 0.0 | 0.0 | 52,072.8 | | Reestructurados | 2,537,340.2 | 1,651,029.8 | 3,152,916.5 | 733,481.4 | 447,968.5 | 256,188.5 | 8,654.0 | 0.0 | 31,933.2 | 6,413.7 | 8,825,925.8 | | Vencidos | 299,214.5 | 181,990.8 | 137,542.5 | 90,666.2 | 85,334.8 | 37,940.7 | 918.4 | 0.0 | 29,333.4 | 38,414.8 | 901,356.0 | | Cobro Judicial | 223,734.4 | 286,408.2 | 487,465.3 | 84,211.8 | 14,263.0 | 12,619.6 | 26,350.0 | 0.0 | 0.0 | 2,009.0 | 1,137,061.2 | | Diferimiento de comisiones y otros | -95,831.2 | -146,260.6 | -184,168.9 | -35,106.1 | -14,077.8 | -28,913.1 | -3,170.1 | -3,669.8 | -4,079.6 | -7,351.1 | -522,628.3 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 665,748.4 | 356,586.3 | 400,191.7 | 174,568.8 | 129,730.5 | 88,960.8 | 69,218.4 | 4,518.4 | 37,733.8 | 95,368.7 | 2,022,625.8 | | (-) Provisión de Cartera de Créditos | -1,615,027.1 | -1,085,659.0 | -3,747,329.3 | -355,612.0 | -306,596.6 | -291,175.8 | -162,796.6 | -10,380.2 | -91,655.8 | -78,463.3 | -7,744,695.7 | | Cuentas por Cobrar, Neto | 432,839.5 | 846,144.2 | 316,043.0 | 53,551.4 | 67,841.9 | 121,876.0 | 6,527.9 | 1,619.3 | 22,049.2 | 21,294.9 | 1,889,787.2 | | 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 | 127,585.2 | 156,376.6 | 5,824.3 | 44,836.5 | 2,524.9 | 1,086.7 | 0.0 | 0.0 | 0.0 | 3,316.1 | 341,550.3 | | Participaciones | 328,617.4 | 2,144,868.0 | 102,632.8 | 40,205.8 | 742,393.3 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,358,717.2 | | Activo Material | 2,024,861.0 | 838,680.2 | 1,141,455.4 | 262,826.6 | 420,698.0 | 265,791.8 | 162,894.5 | 14,780.4 | 93,152.2 | 62,113.0 | 5,287,253.1 | | Activos Intangibles | 277,689.3 | 114,432.1 | 0.0 | 52,395.7 | 179,227.8 | 43,932.8 | 6,499.4 | 28,466.2 | 23,252.6 | 9,276.1 | 735,172.0 | | Activos Fiscales | 6,357.9 | 34,476.6 | 0.0 | 57,031.3 | 73,990.8 | 4,839.5 | 6,996.4 | 0.0 | 11,700.6 | 14,312.7 | 209,705.7 | | Otros Activos | 384,068.0 | 307,541.9 | 80,860.7 | 121,803.0 | 144,645.3 | 32,717.4 | 9,954.4 | 5,460.9 | 19,566.5 | 12,014.8 | 1,118,632.8 | | Pasivo | 74,180,637.9 | 62,627,579.6 | 61,745,273.5 | 17,866,678.0 | 21,193,950.7 | 7,948,983.9 | 1,555,415.7 | 1,107,393.7 | 1,820,348.7 | 2,426,132.5 | 252,472,394.2 | | Pasivos Financieros a Costo Amortizado | 72,941,209.1 | 59,511,622.0 | 60,276,544.0 | 17,260,459.5 | 20,201,391.7 | 7,790,614.4 | 1,459,166.0 | 1,045,520.1 | 1,716,496.0 | 2,182,874.8 | 244,385,897.7 | | Obligaciones con el Público | 61,930,540.2 | 55,681,152.9 | 57,914,027.7 | 13,938,397.7 | 15,636,599.3 | 6,177,219.5 | 0.0 | 412,614.6 | 0.0 | 0.0 | 211,690,551.9 | | Moneda Nacional | 23,812,446.3 | 17,662,572.7 | 15,681,893.3 | 2,631,015.8 | 2,478,578.2 | 725,586.4 | 0.0 | 13,368.5 | 0.0 | 0.0 | 63,005,461.3 | | Depósitos a la Vista | 13,364,333.3 | 10,543,064.0 | 10,787,668.0 | 808,671.6 | 1,607,945.6 | 450,377.0 | 0.0 | 5,655.1 | 0.0 | 0.0 | 37,567,714.6 | | Depósitos de Ahorro | 9,234,525.1 | 6,626,154.9 | 4,495,799.0 | 1,731,033.6 | 492,287.1 | 245,175.5 | 0.0 | 1,894.5 | 0.0 | 0.0 | 22,826,869.7 | | Depósitos a Plazo | 1,213,587.8 | 493,353.8 | 398,426.3 | 91,310.7 | 378,345.6 | 30,034.0 | 0.0 | 5,818.9 | 0.0 | 0.0 | 2,610,877.1 | | 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 | | Moneda Extranjera | 37,941,702.7 | 37,882,332.2 | 42,107,618.9 | 11,206,401.6 | 13,037,748.3 | 5,423,177.3 | 0.0 | 397,575.8 | 0.0 | 0.0 | 147,996,556.6 | | Depósitos a la Vista | 11,085,182.2 | 10,089,192.9 | 15,774,373.0 | 968,854.7 | 3,922,261.9 | 1,410,260.6 | 0.0 | 90,637.5 | 0.0 | 0.0 | 43,340,762.8 | | Depósitos de Ahorro | 18,564,041.8 | 21,151,673.1 | 19,881,456.8 | 5,270,173.3 | 3,141,759.3 | 1,939,729.2 | 0.0 | 31,039.8 | 0.0 | 0.0 | 69,979,873.2 | | Depósitos a Plazo | 8,292,478.7 | 6,641,466.2 | 6,451,789.1 | 4,967,373.6 | 5,973,727.1 | 2,073,187.6 | 0.0 | 275,898.4 | 0.0 | 0.0 | 34,675,920.6 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 176,391.2 | 136,248.0 | 124,515.6 | 100,980.3 | 120,272.8 | 28,455.7 | 0.0 | 1,670.3 | 0.0 | 0.0 | 688,533.9 | | Otras Obligaciones Diversas con el Público | 1,007,628.3 | 436,355.0 | 522,070.7 | 97,268.5 | 63,092.3 | 77,388.0 | 1,285.3 | 151.4 | 0.0 | 0.0 | 2,205,239.5 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,560,814.5 | 1,264,051.9 | 1,588,450.8 | 1,157,752.2 | 2,228,707.2 | 992,763.5 | 0.0 | 632,754.1 | 0.0 | 0.0 | 9,425,294.2 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 20,648.7 | 0.0 | 0.0 | 0.0 | 0.0 | 35,615.2 | 0.0 | 56,263.8 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 516,605.5 | 0.0 | 146,345.0 | 0.0 | 0.0 | 0.0 | 662,950.5 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,942,065.6 | 2,129,535.2 | 89,455.5 | 1,779,590.9 | 1,412,601.2 | 445,599.8 | 1,311,535.7 | 0.0 | 1,680,880.9 | 2,182,874.8 | 18,974,139.6 | | Obligaciones con el Banco Central de Nicaragua | 500,160.6 | 527.0 | 162,539.3 | 266,801.5 | 343,786.2 | 97,643.6 | 0.0 | 0.0 | 0.0 | 0.0 | 1,371,458.2 | | 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 | 150,879.6 | 339,759.9 | 233,750.9 | 21,841.9 | 77,436.5 | 53,665.3 | 32,923.4 | 216.8 | 21,148.5 | 17,123.6 | 948,746.5 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,065,079.4 | 0.0 | 377,397.7 | 379,005.9 | 0.0 | 0.0 | 0.0 | 0.0 | 120,044.4 | 2,941,527.4 | | Otros Pasivos y Provisiones | 1,088,549.2 | 711,118.3 | 1,234,978.6 | 206,978.8 | 536,116.6 | 104,704.2 | 63,326.3 | 61,656.7 | 82,704.1 | 106,089.7 | 4,196,222.5 | | PATRIMONIO | 13,329,228.7 | 12,042,844.8 | 13,914,275.2 | 2,162,701.1 | 2,702,609.5 | 1,365,556.8 | 5,727,701.3 | 623,043.3 | 408,110.0 | 737,109.0 | 53,013,179.6 | | Fondos Propios | 13,353,640.7 | 11,935,531.8 | 13,542,019.3 | 2,151,866.4 | 2,518,902.3 | 1,309,878.1 | 5,644,702.2 | 623,043.3 | 361,319.2 | 707,284.0 | 52,148,187.1 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 3,401,481.5 | 982,108.4 | 1,258,364.2 | 838,390.9 | 4,678,769.6 | 744,542.0 | 345,032.0 | 700,710.0 | 21,146,770.6 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 109,290.4 | 0.0 | 70,702.4 | 1,024,993.8 | | 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 | 5,466,444.8 | 4,280,892.4 | 6,434,811.5 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -204,491.1 | -26,378.5 | -119,140.2 | 17,179,867.6 | | Resultado del Ejercicio | 922,803.0 | 1,078,389.8 | 1,352,922.1 | 119,614.2 | 254,147.1 | 104,746.1 | 146,891.6 | -26,298.1 | 31,363.8 | 26,116.8 | 4,010,696.4 | | Otro Resultado Integral Neto | -151,726.5 | -367,190.8 | 18,984.1 | -230.6 | -25,465.6 | 1,975.7 | 14,123.6 | 0.0 | 6,822.0 | 2,769.4 | -499,938.8 | | Ajustes de Transición | 127,314.6 | 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 | 1,364,931.3 | | CUENTAS CONTINGENTES | 17,802,026.4 | 15,823,321.9 | 12,981,749.9 | 1,268,900.8 | 11,433,948.5 | 1,325,955.7 | 0.0 | 47,413.5 | 0.0 | 0.0 | 60,683,316.7 | | CUENTAS DE ORDEN | 124,784,242.0 | 49,626,833.9 | 382,833,269.8 | 48,834,805.1 | 22,773,242.6 | 21,429,532.8 | 12,618,347.1 | 2,517,456.4 | 2,451,660.1 | 4,380,397.4 | 672,249,787.2 |
| | 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 JULIO DE 2023 C$ 36.4719 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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