| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 93,055,199.0 | 76,604,882.5 | 75,540,002.8 | 20,718,194.8 | 26,122,414.1 | 10,096,601.5 | 7,208,120.8 | 1,782,209.7 | 2,342,275.7 | 3,234,428.4 | 316,704,329.3 | | Efectivo y Equivalentes de Efectivo | 28,970,872.1 | 16,492,298.9 | 19,045,631.6 | 4,467,490.9 | 5,346,551.0 | 2,190,715.1 | 324,610.9 | 431,170.5 | 223,219.2 | 301,470.1 | 77,794,030.3 | | Moneda Nacional | 13,445,690.6 | 4,769,495.6 | 6,912,138.6 | 1,294,064.7 | 933,159.1 | 512,811.2 | 145,683.3 | 131,298.3 | 80,168.8 | 141,750.5 | 28,366,260.8 | | Caja | 3,211,199.6 | 1,760,170.0 | 3,131,751.0 | 289,840.3 | 351,595.6 | 242,134.4 | 11,034.3 | 10,724.0 | 23,141.8 | 106,297.4 | 9,137,888.2 | | Banco Central de Nicaragua | 3,398,934.0 | 2,837,064.2 | 1,782,728.8 | 784,407.3 | 526,755.8 | 146,154.0 | 74,726.5 | 15,824.2 | 19,005.3 | 0.0 | 9,585,599.9 | | Instituciones Financieras | 254,062.5 | 171,705.3 | 197,371.3 | 89,854.5 | 52,264.6 | 14,505.3 | 19,873.4 | 11,291.8 | 38,021.8 | 35,453.1 | 884,403.6 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 3,656.9 | 0.0 | 0.0 | 6,756.2 | | Equivalentes de Efectivo | 6,581,494.5 | 0.0 | 1,800,287.5 | 129,962.7 | 0.0 | 110,017.6 | 40,049.2 | 89,801.4 | 0.0 | 0.0 | 8,751,612.8 | | Moneda Extranjera | 15,525,181.5 | 11,722,803.3 | 12,133,493.0 | 3,173,426.2 | 4,413,391.9 | 1,677,903.9 | 178,927.6 | 299,872.2 | 143,050.4 | 159,719.6 | 49,427,769.4 | | Caja | 2,323,234.4 | 1,328,933.8 | 2,590,002.8 | 205,542.3 | 365,840.3 | 403,471.9 | 3,218.0 | 12,811.6 | 24,382.7 | 73,018.5 | 7,330,456.4 | | Banco Central de Nicaragua | 5,612,786.1 | 6,303,751.8 | 4,603,581.8 | 2,116,580.8 | 2,393,543.9 | 831,057.3 | 3,029.7 | 94,601.2 | 3,938.4 | 0.0 | 21,962,871.0 | | Instituciones Financieras | 6,492,115.7 | 2,776,300.0 | 3,622,128.7 | 302,533.7 | 1,344,090.4 | 104,557.9 | 172,679.8 | 17,724.5 | 114,729.3 | 86,701.1 | 15,033,561.2 | | Depósitos Restringidos | 435,469.8 | 1,128,788.2 | 219,877.1 | 36,684.8 | 309,917.2 | 23,902.4 | 0.0 | 46,646.3 | 0.0 | 0.0 | 2,201,285.7 | | Equivalentes de Efectivo | 661,575.5 | 185,029.4 | 1,097,902.6 | 512,084.6 | 0.0 | 314,914.3 | 0.0 | 128,088.6 | 0.0 | 0.0 | 2,899,595.2 | | 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 | 1,189,517.8 | 10,532,712.5 | 10,497,849.4 | 0.0 | 7,863,214.4 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 30,090,294.1 | | Cartera a Costo Amortizado | 59,412,457.8 | 44,569,070.1 | 44,360,381.9 | 15,607,815.8 | 11,309,391.1 | 7,459,754.8 | 6,660,236.4 | 1,298,168.0 | 1,951,270.3 | 2,814,038.4 | 195,442,584.6 | | Inversiones a Costo Amortizado, Neto | 7,281,242.9 | 13,443,801.8 | 0.0 | 1,823,855.3 | 0.0 | 558,645.2 | 1,484,746.2 | 55,351.6 | 367.9 | 110,763.4 | 24,758,774.3 | | Cartera de Créditos, Neta | 52,131,214.9 | 31,125,268.3 | 44,360,381.9 | 13,783,960.5 | 11,309,391.1 | 6,901,109.6 | 5,175,490.2 | 1,242,816.4 | 1,950,902.4 | 2,703,275.0 | 170,683,810.3 | | Vigentes | 50,160,238.2 | 29,716,983.1 | 44,636,614.4 | 13,148,914.8 | 10,998,626.7 | 6,832,787.3 | 4,512,817.2 | 1,252,476.9 | 1,954,858.6 | 2,632,261.1 | 165,846,578.4 | | Prorrogados | 77,008.0 | 871.2 | 11,424.5 | 0.0 | 0.0 | 0.0 | 675,148.2 | 0.0 | 0.0 | 0.0 | 764,451.9 | | Reestructurados | 2,487,515.2 | 1,328,110.3 | 3,018,693.9 | 681,859.8 | 412,174.7 | 228,851.5 | 8,041.3 | 0.0 | 26,674.9 | 5,145.4 | 8,197,067.0 | | Vencidos | 297,456.4 | 674,724.1 | 165,144.1 | 101,988.7 | 99,991.6 | 40,124.6 | 2,993.3 | 0.0 | 29,091.2 | 37,511.9 | 1,449,025.9 | | Cobro Judicial | 219,638.8 | 301,603.1 | 462,522.2 | 79,117.0 | 7,124.7 | 7,830.9 | 21,864.5 | 0.0 | 0.0 | 531.6 | 1,100,232.8 | | Diferimiento de comisiones y otros | -105,681.1 | -157,086.4 | -210,672.7 | -37,916.9 | -20,891.4 | -30,335.4 | -2,954.0 | -4,257.9 | -4,426.4 | -13,334.7 | -587,556.9 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 685,599.6 | 351,839.4 | 425,377.9 | 180,758.2 | 138,157.5 | 110,925.6 | 123,758.8 | 6,943.7 | 40,013.7 | 121,627.5 | 2,185,002.1 | | (-) Provisión de Cartera de Créditos | -1,690,560.2 | -1,091,776.5 | -4,148,722.4 | -370,761.3 | -325,792.8 | -289,074.9 | -166,179.2 | -12,346.4 | -95,309.6 | -80,467.7 | -8,270,991.1 | | Cuentas por Cobrar, Neto | 326,271.1 | 637,970.4 | 300,776.4 | 49,152.2 | 61,340.5 | 84,129.3 | 36,440.6 | 2,043.5 | 19,956.4 | 18,284.5 | 1,536,365.0 | | 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 | 122,976.3 | 781,182.9 | 3,634.0 | 36,087.3 | 4,815.1 | 3,220.4 | 0.0 | 0.0 | 0.0 | 2,870.2 | 954,786.2 | | Participaciones | 348,268.2 | 2,174,608.4 | 103,524.6 | 41,806.1 | 719,178.4 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,387,385.7 | | Activo Material | 2,048,233.1 | 879,950.5 | 1,144,980.4 | 261,458.2 | 441,349.1 | 280,710.9 | 168,163.0 | 13,702.9 | 95,396.8 | 64,424.5 | 5,398,369.5 | | Activos Intangibles | 281,782.4 | 116,126.3 | 1,006.7 | 52,780.3 | 168,921.8 | 40,380.2 | 7,841.7 | 29,878.7 | 23,547.7 | 8,433.7 | 730,699.4 | | Activos Fiscales | 1,271.6 | 146,206.4 | 0.0 | 51,562.8 | 74,374.5 | 4,464.4 | 5,441.7 | 59.5 | 11,140.1 | 14,291.2 | 308,812.2 | | Otros Activos | 353,548.6 | 274,756.2 | 82,217.9 | 150,041.1 | 133,278.1 | 26,476.4 | 5,136.4 | 7,186.6 | 17,745.1 | 10,615.7 | 1,061,002.3 | | Pasivo | 79,553,917.7 | 64,514,114.7 | 61,000,274.7 | 18,483,696.2 | 23,260,800.6 | 8,665,584.5 | 1,395,885.0 | 1,181,378.1 | 1,917,141.5 | 2,459,420.4 | 262,432,213.4 | | Pasivos Financieros a Costo Amortizado | 78,180,338.3 | 61,103,586.6 | 59,551,263.5 | 17,840,745.1 | 22,232,656.7 | 8,496,606.4 | 1,304,395.8 | 1,134,300.1 | 1,813,642.4 | 2,240,554.0 | 253,898,088.9 | | Obligaciones con el Público | 67,358,866.9 | 57,272,598.8 | 57,592,418.8 | 14,169,494.3 | 17,047,531.8 | 6,677,152.9 | 0.0 | 501,316.3 | 0.0 | 0.0 | 220,619,379.6 | | Moneda Nacional | 27,980,774.5 | 17,127,363.4 | 16,248,479.7 | 2,863,246.0 | 2,380,119.6 | 805,455.2 | 0.0 | 35,255.1 | 0.0 | 0.0 | 67,440,693.4 | | Depósitos a la Vista | 17,421,208.3 | 9,575,869.3 | 10,559,425.7 | 830,791.8 | 1,509,433.4 | 496,297.9 | 0.0 | 26,301.4 | 0.0 | 0.0 | 40,419,327.7 | | Depósitos de Ahorro | 9,642,402.7 | 7,083,531.2 | 5,264,725.4 | 1,973,362.4 | 442,878.7 | 278,170.4 | 0.0 | 3,127.2 | 0.0 | 0.0 | 24,688,198.1 | | Depósitos a Plazo | 917,163.5 | 467,962.9 | 424,328.6 | 59,091.8 | 427,807.5 | 30,986.8 | 0.0 | 5,826.5 | 0.0 | 0.0 | 2,333,167.7 | | 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 | | Moneda Extranjera | 39,184,385.7 | 39,995,094.0 | 41,229,380.7 | 11,187,170.1 | 14,521,058.2 | 5,841,586.3 | 0.0 | 463,904.4 | 0.0 | 0.0 | 152,422,579.4 | | Depósitos a la Vista | 12,271,687.4 | 12,056,043.4 | 15,071,915.0 | 948,844.6 | 4,724,473.1 | 1,671,505.4 | 0.0 | 104,264.2 | 0.0 | 0.0 | 46,848,733.2 | | Depósitos de Ahorro | 18,297,286.9 | 21,109,974.0 | 19,486,963.7 | 4,959,711.4 | 3,088,577.5 | 1,964,350.2 | 0.0 | 32,907.5 | 0.0 | 0.0 | 68,939,771.1 | | Depósitos a Plazo | 8,615,411.4 | 6,829,076.7 | 6,670,502.0 | 5,278,614.1 | 6,708,007.6 | 2,205,730.7 | 0.0 | 326,732.7 | 0.0 | 0.0 | 36,634,075.1 | | 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 | 193,706.8 | 150,141.3 | 114,558.3 | 119,078.2 | 146,353.9 | 30,111.4 | 0.0 | 2,156.8 | 0.0 | 0.0 | 756,106.8 | | Otras Obligaciones Diversas con el Público | 974,879.9 | 809,504.4 | 663,938.1 | 163,901.3 | 54,704.6 | 81,503.0 | 1,315.9 | 6.1 | 0.0 | 0.0 | 2,749,753.4 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,585,793.5 | 1,053,096.5 | 1,038,085.0 | 952,147.2 | 1,862,472.2 | 1,214,092.3 | 0.0 | 632,977.8 | 0.0 | 0.0 | 8,338,664.5 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 21,797.2 | 0.0 | 0.0 | 0.0 | 0.0 | 20,709.2 | 0.0 | 42,506.5 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 1,520,245.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,520,245.6 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,743,280.5 | 1,967,761.1 | 21,356.8 | 2,306,716.8 | 1,425,800.9 | 407,178.5 | 1,303,079.8 | 0.0 | 1,792,933.1 | 2,240,554.0 | 19,208,661.6 | | Obligaciones con el Banco Central de Nicaragua | 517,517.5 | 625.8 | 235,464.7 | 226,688.3 | 321,901.7 | 116,679.8 | 0.0 | 0.0 | 0.0 | 0.0 | 1,418,877.7 | | 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 | 151,380.4 | 503,744.8 | 190,984.1 | 22,236.2 | 90,639.8 | 53,930.4 | 30,455.3 | 241.3 | 21,357.4 | 16,118.7 | 1,081,088.5 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,155,291.8 | 0.0 | 372,315.7 | 373,157.7 | 0.0 | 0.0 | 0.0 | 0.0 | 119,098.2 | 3,019,863.4 | | Otros Pasivos y Provisiones | 1,222,199.0 | 751,491.5 | 1,258,027.1 | 248,399.1 | 564,346.4 | 115,047.6 | 61,034.0 | 46,836.7 | 82,141.8 | 83,649.4 | 4,433,172.5 | | PATRIMONIO | 13,501,281.2 | 12,090,767.8 | 14,539,728.1 | 2,234,498.6 | 2,861,613.5 | 1,431,017.0 | 5,812,235.8 | 600,831.5 | 425,134.2 | 775,008.1 | 54,272,115.9 | | Fondos Propios | 13,517,838.7 | 11,908,784.7 | 14,178,681.8 | 2,223,665.0 | 2,685,221.0 | 1,375,338.3 | 5,729,236.7 | 600,778.1 | 378,343.4 | 745,183.1 | 53,343,070.7 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 3,401,481.5 | 982,108.4 | 1,277,202.5 | 838,390.9 | 4,683,413.9 | 853,832.0 | 345,032.0 | 700,710.0 | 21,279,543.1 | | Aportes a Capitalizar | 1,575,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.4 | 0.0 | 70,702.4 | 1,645,703.8 | | 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 | 4,299,086.6 | 3,843,205.6 | 6,434,811.5 | 545,606.2 | 556,935.3 | 245,187.3 | 0.0 | -204,544.6 | -26,378.5 | -119,140.2 | 15,574,769.1 | | Resultado del Ejercicio | 1,524,359.3 | 1,489,329.5 | 1,989,584.6 | 191,412.8 | 401,627.5 | 170,206.3 | 226,781.9 | -48,509.8 | 48,388.0 | 64,015.9 | 6,057,195.9 | | Otro Resultado Integral Neto | -143,543.4 | -292,520.7 | 7,774.6 | -231.8 | -32,780.4 | 1,975.7 | 14,123.6 | 53.4 | 6,822.0 | 2,769.4 | -435,557.5 | | Ajustes de Transición | 126,986.0 | 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 | 1,364,602.7 | | CUENTAS CONTINGENTES | 20,655,817.9 | 17,214,691.6 | 13,627,982.8 | 1,304,421.6 | 12,165,556.7 | 1,540,585.9 | 0.0 | 6,733.2 | 0.0 | 0.0 | 66,515,789.8 | | CUENTAS DE ORDEN | 123,947,476.3 | 48,867,554.7 | 409,793,617.6 | 48,826,274.9 | 26,201,216.3 | 22,234,249.2 | 12,640,235.6 | 2,449,999.9 | 2,589,109.9 | 4,491,526.7 | 702,041,261.2 |
| | 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 30 DE NOVIEMBRE DE 2023 C$ 36.5934 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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