| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 93,899,920.5 | 79,686,354.1 | 78,332,959.0 | 20,987,136.4 | 25,715,041.6 | 10,490,466.1 | 7,246,940.8 | 2,089,065.0 | 2,497,774.4 | 3,414,078.6 | 324,359,736.4 | | Efectivo y Equivalentes de Efectivo | 24,880,447.0 | 17,701,364.7 | 18,978,768.2 | 4,460,803.4 | 4,152,413.8 | 2,143,511.0 | 796,191.5 | 396,504.8 | 297,753.4 | 414,603.6 | 74,222,361.4 | | Moneda Nacional | 10,785,614.5 | 5,492,182.8 | 6,049,537.1 | 1,152,368.3 | 756,195.2 | 471,568.3 | 217,327.8 | 239,107.1 | 92,998.0 | 226,726.4 | 25,483,625.4 | | Caja | 2,549,558.3 | 1,935,609.6 | 3,324,524.4 | 180,431.3 | 288,645.8 | 194,104.1 | 8,116.0 | 10,930.0 | 19,050.1 | 118,023.1 | 8,628,992.8 | | Banco Central de Nicaragua | 4,577,678.4 | 3,335,184.7 | 2,575,236.5 | 810,451.5 | 393,317.8 | 169,831.0 | 345.7 | 59,171.8 | 20.5 | 0.0 | 11,921,237.9 | | Instituciones Financieras | 193,138.3 | 220,832.3 | 149,776.2 | 41,541.8 | 71,688.4 | 17,546.9 | 44,546.0 | 6,978.4 | 37,957.9 | 108,703.3 | 892,709.6 | | Depósitos Restringidos | 0.0 | 556.1 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 2,121.1 | 0.0 | 0.0 | 5,220.4 | | Equivalentes de Efectivo | 3,465,239.6 | 0.0 | 0.0 | 119,943.6 | 0.0 | 90,086.2 | 164,320.0 | 159,905.8 | 35,969.4 | 0.0 | 4,035,464.7 | | Moneda Extranjera | 14,094,832.4 | 12,209,182.0 | 12,929,231.1 | 3,308,435.2 | 3,396,218.7 | 1,671,942.7 | 578,863.8 | 157,397.6 | 204,755.4 | 187,877.2 | 48,738,736.0 | | Caja | 1,695,739.0 | 1,546,703.1 | 2,745,123.1 | 195,524.5 | 425,518.0 | 277,061.7 | 2,400.0 | 16,440.0 | 23,722.6 | 76,004.6 | 7,004,236.6 | | Banco Central de Nicaragua | 6,109,460.7 | 6,270,382.8 | 6,896,465.5 | 2,334,489.9 | 2,376,189.9 | 960,002.6 | 3,689.0 | 47,703.3 | 3,444.1 | 0.0 | 25,001,827.9 | | Instituciones Financieras | 5,375,256.3 | 3,413,607.5 | 3,066,538.4 | 521,640.8 | 420,859.0 | 152,835.3 | 572,774.8 | 13,623.4 | 111,696.0 | 111,872.7 | 13,760,704.0 | | Depósitos Restringidos | 254,007.0 | 978,488.6 | 221,104.0 | 37,365.4 | 118,428.1 | 24,345.9 | 0.0 | 42,986.5 | 0.0 | 0.0 | 1,676,725.5 | | Equivalentes de Efectivo | 660,369.5 | 0.0 | 0.0 | 219,414.6 | 55,223.6 | 257,697.1 | 0.0 | 36,644.4 | 65,892.7 | 0.0 | 1,295,242.0 | | 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 | 1,208,085.6 | 8,269,809.8 | 10,413,676.8 | 0.0 | 7,921,226.6 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 27,819,798.9 | | Cartera a Costo Amortizado | 64,098,882.0 | 48,729,423.8 | 46,856,569.0 | 15,743,078.1 | 11,922,681.3 | 7,792,441.0 | 6,194,404.0 | 1,614,072.9 | 2,016,492.1 | 2,833,789.7 | 207,801,833.8 | | Inversiones a Costo Amortizado, Neto | 9,512,957.5 | 14,243,325.7 | 0.0 | 1,775,724.0 | 0.0 | 769,755.3 | 2,571,466.9 | 54,716.9 | 374.7 | 110,346.1 | 29,038,667.1 | | Cartera de Créditos, Neta | 54,585,924.5 | 34,486,098.1 | 46,856,569.0 | 13,967,354.0 | 11,922,681.3 | 7,022,685.7 | 3,622,937.1 | 1,559,356.0 | 2,016,117.5 | 2,723,443.6 | 178,763,166.7 | | Vigentes | 52,717,646.0 | 33,299,444.6 | 47,512,589.1 | 13,383,465.6 | 11,872,146.8 | 6,997,871.2 | 3,336,183.8 | 1,569,288.6 | 2,021,574.4 | 2,681,419.3 | 175,391,629.3 | | Prorrogados | 62,826.5 | 5,855.4 | 12,187.1 | 0.0 | 0.0 | 0.0 | 77,430.9 | 0.0 | 0.0 | 0.0 | 158,299.8 | | Reestructurados | 2,489,906.6 | 1,215,904.3 | 3,054,174.9 | 649,553.2 | 169,974.1 | 201,736.6 | 26,936.0 | 0.0 | 24,826.9 | 3,543.4 | 7,836,556.0 | | Vencidos | 209,491.0 | 862,618.2 | 205,265.1 | 114,526.9 | 110,720.2 | 29,191.7 | 1,457.1 | 0.0 | 33,692.6 | 37,055.3 | 1,604,018.0 | | Cobro Judicial | 310,085.8 | 258,985.0 | 292,485.4 | 75,069.2 | 7,080.3 | 7,679.5 | 357,218.2 | 0.0 | 0.0 | 532.0 | 1,309,135.4 | | Diferimiento de comisiones y otros | -104,413.5 | -159,249.0 | -208,618.9 | -41,011.0 | -28,186.9 | -29,360.3 | -2,197.2 | -5,414.0 | -4,943.1 | -16,729.9 | -600,123.7 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 715,306.2 | 465,053.7 | 442,872.9 | 177,044.0 | 162,929.9 | 106,370.9 | 46,580.3 | 11,320.9 | 43,351.4 | 103,106.5 | 2,273,936.7 | | (-) Provisión de Cartera de Créditos | -1,814,924.1 | -1,462,514.2 | -4,454,386.6 | -391,293.9 | -371,983.1 | -290,803.8 | -220,671.9 | -15,839.5 | -102,384.7 | -85,483.0 | -9,210,285.0 | | Cuentas por Cobrar, Neto | 373,447.0 | 848,069.6 | 754,509.4 | 89,291.0 | 114,596.8 | 184,111.7 | 51,321.1 | 2,133.5 | 19,915.0 | 17,780.6 | 2,455,175.6 | | 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 | 92,943.6 | 557,346.5 | 2,115.5 | 19,516.6 | 3,400.4 | 210.3 | 0.0 | 0.0 | 0.0 | 1,242.6 | 676,775.5 | | Participaciones | 355,391.6 | 2,269,852.8 | 106,455.8 | 43,006.5 | 766,311.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,541,018.4 | | Activo Material | 2,074,101.6 | 878,054.7 | 1,157,898.8 | 256,742.2 | 460,931.2 | 287,592.0 | 166,669.2 | 12,025.6 | 94,833.2 | 66,947.4 | 5,455,795.9 | | Activos Intangibles | 313,871.9 | 98,404.8 | 880.8 | 49,633.2 | 168,490.0 | 39,610.7 | 6,948.8 | 30,516.2 | 20,645.3 | 13,934.8 | 742,936.5 | | Activos Fiscales | 12,823.6 | 69,733.3 | 0.0 | 56,682.3 | 95,936.4 | 4,431.8 | 18,725.9 | 417.1 | 12,298.3 | 14,274.7 | 285,323.4 | | Otros Activos | 489,926.5 | 264,294.2 | 62,084.9 | 268,383.2 | 109,053.3 | 31,807.5 | 12,430.3 | 33,394.9 | 35,837.0 | 51,505.1 | 1,358,717.0 | | Pasivo | 79,823,277.2 | 66,909,071.5 | 62,959,196.8 | 18,799,599.2 | 22,661,553.9 | 8,992,799.0 | 1,404,469.4 | 1,250,942.3 | 2,065,724.1 | 2,594,389.8 | 267,461,023.2 | | Pasivos Financieros a Costo Amortizado | 78,268,368.0 | 64,007,918.2 | 61,296,196.5 | 18,115,726.5 | 21,867,074.4 | 8,797,498.2 | 1,294,191.3 | 1,184,115.1 | 1,960,541.9 | 2,328,289.3 | 259,119,919.5 | | Obligaciones con el Público | 68,511,808.4 | 60,059,509.8 | 59,599,195.4 | 15,061,233.9 | 16,245,615.8 | 6,889,380.4 | 0.0 | 517,545.8 | 0.0 | 0.0 | 226,884,289.6 | | Moneda Nacional | 29,029,358.4 | 19,370,980.2 | 16,534,901.5 | 3,337,970.4 | 2,383,175.8 | 889,749.0 | 0.0 | 17,527.8 | 0.0 | 0.0 | 71,563,663.0 | | Depósitos a la Vista | 16,739,468.6 | 11,028,408.6 | 10,705,632.6 | 1,034,726.5 | 1,817,615.7 | 523,900.2 | 0.0 | 10,639.5 | 0.0 | 0.0 | 41,860,391.7 | | Depósitos de Ahorro | 11,301,932.5 | 7,833,963.8 | 5,425,883.0 | 2,166,060.3 | 410,645.7 | 329,862.5 | 0.0 | 2,273.4 | 0.0 | 0.0 | 27,470,621.1 | | Depósitos a Plazo | 987,957.3 | 508,607.8 | 403,385.9 | 137,183.6 | 154,914.4 | 35,986.3 | 0.0 | 4,614.9 | 0.0 | 0.0 | 2,232,650.3 | | 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 | 39,283,888.5 | 40,530,094.8 | 42,943,643.5 | 11,591,455.8 | 13,754,980.1 | 5,965,463.1 | 0.0 | 497,841.3 | 0.0 | 0.0 | 154,567,367.2 | | Depósitos a la Vista | 11,217,349.4 | 11,596,208.6 | 15,961,659.6 | 1,123,248.9 | 3,982,946.0 | 1,626,122.8 | 0.0 | 102,035.9 | 0.0 | 0.0 | 45,609,571.3 | | Depósitos de Ahorro | 18,631,295.8 | 21,808,112.9 | 20,365,554.1 | 4,557,305.3 | 3,213,274.0 | 2,072,831.5 | 0.0 | 55,832.3 | 0.0 | 0.0 | 70,704,205.9 | | Depósitos a Plazo | 9,435,243.3 | 7,125,773.3 | 6,616,429.8 | 5,910,901.6 | 6,558,760.2 | 2,266,508.7 | 0.0 | 339,973.1 | 0.0 | 0.0 | 38,253,590.0 | | 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 | | Intereses sobre Obligaciones con el Público por Depósitos | 198,561.6 | 158,434.8 | 120,650.5 | 131,807.7 | 107,459.9 | 34,168.3 | 0.0 | 2,176.7 | 0.0 | 0.0 | 753,259.4 | | Otras Obligaciones Diversas con el Público | 775,132.4 | 553,947.6 | 590,076.9 | 100,322.9 | 55,894.5 | 150,462.3 | 3,341.1 | 195.8 | 0.0 | 0.0 | 2,229,373.4 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,769,716.6 | 1,071,379.9 | 807,552.7 | 1,101,532.5 | 2,262,819.2 | 1,293,383.5 | 0.0 | 622,311.1 | 0.0 | 0.0 | 8,928,695.6 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 28,899.6 | 0.0 | 0.0 | 0.0 | 0.0 | 20,462.8 | 0.0 | 49,362.3 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 1,578,878.6 | 0.0 | 0.0 | 44,062.3 | 0.0 | 0.0 | 1,622,940.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,726,139.6 | 2,309,839.9 | 12,888.8 | 1,605,459.6 | 1,441,208.8 | 310,553.1 | 1,290,850.2 | 0.0 | 1,940,079.2 | 2,328,289.3 | 17,965,308.4 | | Obligaciones con el Banco Central de Nicaragua | 485,571.0 | 13,241.0 | 286,482.7 | 218,278.1 | 282,657.5 | 153,719.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,439,949.2 | | 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 | 162,065.2 | 182,578.8 | 230,019.3 | 22,534.6 | 111,761.4 | 54,374.1 | 24,341.7 | 309.0 | 21,148.9 | 19,235.0 | 828,368.1 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 1,883,119.2 | 0.0 | 365,088.4 | 365,679.7 | 0.0 | 0.0 | 0.0 | 0.0 | 118,182.7 | 2,732,070.0 | | Otros Pasivos y Provisiones | 1,392,843.9 | 835,455.2 | 1,432,980.9 | 296,249.7 | 317,038.4 | 140,926.7 | 85,936.4 | 66,518.2 | 84,033.2 | 128,682.9 | 4,780,665.6 | | PATRIMONIO | 14,076,643.3 | 12,777,282.7 | 15,373,762.2 | 2,187,537.2 | 3,053,487.7 | 1,497,667.0 | 5,842,471.4 | 838,122.7 | 432,050.3 | 819,688.8 | 56,898,713.2 | | Fondos Propios | 14,071,518.1 | 12,410,186.5 | 15,027,966.3 | 2,176,702.3 | 2,862,558.4 | 1,441,236.5 | 5,759,472.3 | 838,082.7 | 385,462.3 | 790,145.9 | 55,763,331.3 | | 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 | 4,854,208.4 | 1,108,258.0 | 345,032.0 | 700,710.0 | 21,704,763.7 | | Aportes a Capitalizar | 1,575,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 1,645,703.3 | | 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 | 2,441,580.3 | 2,531,076.4 | 2,693,763.7 | 520,040.7 | 518,936.9 | 149,626.3 | 590,297.0 | 0.0 | 15,537.0 | 40,603.4 | 9,501,461.6 | | Resultados Acumulados | 5,720,210.5 | 5,110,835.6 | 8,366,915.2 | 633,457.1 | 950,662.1 | 404,266.1 | 0.0 | -261,642.5 | 13,471.0 | -52,791.9 | 20,885,383.3 | | Resultado del Ejercicio | 406,227.3 | 499,401.9 | 565,805.8 | 41,096.1 | 115,756.9 | 48,953.0 | 56,548.9 | -8,532.8 | 11,422.4 | 30,921.9 | 1,767,601.4 | | Otro Resultado Integral Neto | -121,298.9 | -107,407.7 | -7,475.8 | -230.5 | -18,243.6 | 2,727.4 | 14,123.6 | 40.0 | 6,619.3 | 2,487.3 | -228,658.9 | | Ajustes de Transición | 126,424.1 | 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 | 1,364,040.8 | | CUENTAS CONTINGENTES | 22,095,768.4 | 16,282,690.3 | 15,339,440.9 | 1,355,734.5 | 11,125,903.2 | 1,777,704.4 | 0.0 | 74,936.0 | 0.0 | 0.0 | 68,052,177.7 | | CUENTAS DE ORDEN | 128,719,562.8 | 45,346,992.5 | 428,804,665.9 | 50,530,190.9 | 28,289,198.7 | 22,933,764.4 | 13,515,398.1 | 3,065,537.0 | 2,550,918.0 | 4,622,612.5 | 728,378,840.9 |
| | 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 MARZO DE 2024 C$ 36.6243 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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