| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 102,740,895.1 | 90,009,333.7 | 88,187,918.8 | 22,300,301.2 | 29,202,885.6 | 12,780,389.4 | 7,321,222.1 | 2,503,817.3 | 4,006,181.8 | 359,052,944.9 | | Efectivo y Equivalentes de Efectivo | 27,301,963.2 | 25,368,739.0 | 21,805,976.5 | 4,884,880.3 | 5,897,508.3 | 3,280,686.5 | 616,940.6 | 477,264.2 | 761,839.9 | 90,395,798.5 | | Moneda Nacional | 12,184,570.5 | 7,533,104.2 | 6,008,780.4 | 1,521,059.6 | 1,398,098.7 | 1,261,261.2 | 88,629.0 | 65,659.3 | 220,514.7 | 30,281,677.7 | | Caja | 2,941,592.8 | 2,171,653.5 | 3,191,125.8 | 363,214.3 | 373,916.5 | 270,706.9 | 8,073.7 | 15,962.5 | 97,179.9 | 9,433,425.7 | | Banco Central de Nicaragua | 5,334,233.0 | 4,257,898.5 | 2,478,033.6 | 512,604.3 | 554,980.0 | 178,793.7 | 9,085.8 | 42,162.1 | 39.5 | 13,367,830.6 | | Instituciones Financieras | 588,727.6 | 350,879.7 | 339,621.0 | 151,549.2 | 26,685.4 | 74,384.4 | 24,353.0 | 4,537.8 | 123,295.3 | 1,684,033.4 | | Depósitos Restringidos | 0.0 | 2,568.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 2,997.0 | 0.0 | 8,108.5 | | Equivalentes de Efectivo | 3,320,017.1 | 750,104.2 | 0.0 | 493,691.9 | 439,973.6 | 737,376.1 | 47,116.5 | 0.0 | 0.0 | 5,788,279.5 | | Moneda Extranjera | 15,117,392.7 | 17,835,634.8 | 15,797,196.1 | 3,363,820.6 | 4,499,409.6 | 2,019,425.3 | 528,311.5 | 411,604.9 | 541,325.2 | 60,114,120.7 | | Caja | 2,179,252.7 | 1,774,308.4 | 2,996,063.3 | 183,855.4 | 433,141.0 | 399,718.4 | 2,720.7 | 18,386.1 | 97,946.6 | 8,085,392.6 | | Banco Central de Nicaragua | 5,970,519.9 | 6,727,914.1 | 5,649,094.4 | 1,859,237.9 | 2,024,704.9 | 1,051,051.5 | 5,505.9 | 43,762.3 | 22.0 | 23,331,812.8 | | Instituciones Financieras | 5,825,547.4 | 4,502,809.6 | 3,489,303.2 | 658,631.9 | 517,162.3 | 359,566.5 | 520,084.9 | 35,313.9 | 443,356.6 | 16,351,776.3 | | Depósitos Restringidos | 23,182.0 | 654,177.5 | 0.0 | 39,385.1 | 132,487.0 | 25,671.2 | 0.0 | 57,479.4 | 0.0 | 932,382.3 | | Equivalentes de Efectivo | 1,118,890.7 | 4,176,425.3 | 3,662,735.2 | 622,710.3 | 1,391,914.4 | 183,417.7 | 0.0 | 256,663.1 | 0.0 | 11,412,756.8 | | 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 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,193,806.0 | 1,259,620.2 | 6,848,798.0 | 0.0 | 6,948,085.0 | 6,750.0 | 250.0 | 244,078.2 | 0.0 | 16,501,387.5 | | Cartera a Costo Amortizado | 70,379,652.5 | 58,779,153.8 | 57,693,953.2 | 16,715,949.9 | 14,481,714.4 | 8,964,237.5 | 6,445,827.3 | 1,731,443.8 | 3,072,403.6 | 238,264,336.1 | | Inversiones a Costo Amortizado, Neto | 6,901,102.0 | 15,844,563.7 | 0.0 | 1,467,074.6 | 0.0 | 188,571.7 | 3,118,942.1 | 0.0 | 110,499.2 | 27,630,753.4 | | Cartera de Créditos, Neta | 63,478,550.4 | 42,934,590.2 | 57,693,953.2 | 15,248,875.3 | 14,481,714.4 | 8,775,665.8 | 3,326,885.2 | 1,731,443.8 | 2,961,904.4 | 210,633,582.7 | | Vigentes | 61,640,199.3 | 42,227,562.6 | 58,570,033.7 | 14,761,024.1 | 14,387,018.0 | 8,795,871.6 | 3,193,522.6 | 1,650,117.5 | 2,913,012.8 | 208,138,362.3 | | Prorrogados | 117,934.5 | 10,904.6 | 1,900.1 | 0.0 | 0.0 | 65.7 | 2,746.8 | 0.0 | 120.0 | 133,671.7 | | Reestructurados | 2,639,475.7 | 899,384.5 | 2,818,350.3 | 540,416.7 | 275,615.8 | 129,225.6 | 0.0 | 94,341.3 | 5,750.5 | 7,402,560.4 | | Vencidos | 358,975.8 | 471,404.2 | 233,229.9 | 217,641.1 | 129,629.3 | 37,150.7 | 2,471.7 | 4,662.6 | 54,688.8 | 1,509,854.0 | | Cobro Judicial | 268,689.0 | 589,120.8 | 246,459.3 | 71,608.3 | 32,801.5 | 14,172.0 | 357,584.3 | 0.0 | 826.1 | 1,581,261.2 | | Diferimiento de comisiones y otros | -104,811.9 | -168,014.7 | -282,190.6 | -54,089.7 | -38,512.2 | -26,871.1 | -1,869.6 | -5,833.2 | -19,259.4 | -701,452.5 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 858,482.9 | 546,335.8 | 577,567.7 | 180,844.2 | 171,695.3 | 131,704.0 | 41,984.9 | 16,907.2 | 115,624.4 | 2,641,146.6 | | (-) Provisión de Cartera de Créditos | -2,300,394.9 | -1,642,107.7 | -4,471,397.2 | -468,569.4 | -476,533.2 | -305,652.6 | -269,555.6 | -28,751.6 | -108,858.8 | -10,071,821.0 | | Cuentas por Cobrar, Neto | 391,674.0 | 762,860.2 | 405,454.8 | 89,975.8 | 149,550.7 | 81,280.8 | 36,768.7 | 2,661.0 | 18,792.9 | 1,939,018.9 | | 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 | | Activos Recibidos en Recuperación de Créditos | 210,945.2 | 184,303.4 | 0.0 | 23,600.8 | 0.0 | 1.4 | 2,482.6 | 0.0 | 3,002.8 | 424,336.3 | | Participaciones | 391,565.3 | 2,158,248.8 | 126,285.1 | 46,637.6 | 821,085.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3,543,821.9 | | Activo Material | 2,097,606.4 | 974,494.8 | 1,192,180.1 | 252,062.0 | 500,569.4 | 334,607.9 | 152,362.8 | 14,089.6 | 65,151.0 | 5,583,123.9 | | Activos Intangibles | 292,290.6 | 125,134.2 | 40,210.7 | 124,335.3 | 154,312.1 | 36,447.9 | 19,764.9 | 30,143.3 | 11,445.2 | 834,084.2 | | Activos Fiscales | 13,668.6 | 42,161.1 | 1,954.7 | 66,487.0 | 66,613.7 | 4,978.2 | 29,536.7 | 790.1 | 26,162.3 | 252,352.5 | | Otros Activos | 467,723.3 | 354,618.2 | 73,105.6 | 96,372.4 | 183,446.9 | 71,399.2 | 17,288.6 | 3,347.1 | 47,384.0 | 1,314,685.3 | | Pasivo | 86,967,045.1 | 75,368,437.8 | 70,797,198.6 | 19,977,002.1 | 25,647,235.7 | 11,053,022.4 | 1,345,674.6 | 1,742,431.6 | 3,058,390.3 | 295,956,438.4 | | Pasivos Financieros a Costo Amortizado | 85,539,045.3 | 74,146,081.2 | 68,905,350.8 | 19,358,193.5 | 24,773,706.3 | 10,791,844.4 | 1,241,600.8 | 1,719,627.4 | 2,816,070.9 | 289,291,520.6 | | Obligaciones con el Público | 75,494,572.2 | 71,224,741.3 | 64,335,265.7 | 16,367,775.2 | 18,139,269.7 | 8,642,029.5 | 0.0 | 640,176.3 | 0.0 | 254,843,829.9 | | Moneda Nacional | 35,208,353.8 | 25,491,962.9 | 18,715,012.9 | 3,638,113.3 | 3,237,674.9 | 1,290,941.4 | 0.0 | 30,572.1 | 0.0 | 87,612,631.4 | | Depósitos a la Vista | 20,031,964.7 | 15,223,357.6 | 11,542,682.5 | 1,381,724.8 | 2,381,535.0 | 776,193.5 | 0.0 | 17,688.4 | 0.0 | 51,355,146.5 | | Depósitos de Ahorro | 13,767,531.6 | 9,286,848.1 | 6,661,622.7 | 2,075,162.6 | 679,454.4 | 416,373.6 | 0.0 | 6,236.7 | 0.0 | 32,893,229.8 | | Depósitos a Plazo | 1,408,857.5 | 981,757.2 | 510,707.7 | 181,226.0 | 176,685.5 | 98,374.3 | 0.0 | 6,647.0 | 0.0 | 3,364,255.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 40,028,969.9 | 45,507,072.5 | 45,453,930.5 | 12,568,517.2 | 14,764,452.2 | 7,312,348.8 | 0.0 | 606,871.4 | 0.0 | 166,242,162.5 | | Depósitos a la Vista | 9,310,019.9 | 12,445,899.7 | 15,121,408.0 | 1,481,628.8 | 3,863,763.9 | 1,441,630.8 | 0.0 | 130,106.4 | 0.0 | 43,794,457.4 | | Depósitos de Ahorro | 20,244,358.8 | 24,913,711.8 | 22,101,641.8 | 4,435,336.9 | 3,552,779.0 | 2,636,254.1 | 0.0 | 68,859.0 | 0.0 | 77,952,941.2 | | Depósitos a Plazo | 10,474,591.2 | 8,147,461.0 | 8,230,880.8 | 6,651,551.6 | 7,347,909.4 | 3,234,463.9 | 0.0 | 407,906.0 | 0.0 | 44,494,763.9 | | Otros Depósitos del Público | 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 | 257,248.5 | 225,705.9 | 166,322.3 | 161,144.7 | 137,142.5 | 38,739.3 | 0.0 | 2,732.9 | 0.0 | 989,036.0 | | Otras Obligaciones Diversas con el Público | 900,122.8 | 722,171.6 | 349,469.9 | 109,953.3 | 64,377.5 | 84,633.0 | 2,814.8 | 659.1 | 7,415.6 | 2,241,617.5 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,019,139.2 | 1,215,334.6 | 1,583,033.3 | 1,140,188.4 | 3,557,275.2 | 1,370,645.7 | 0.0 | 1,037,852.7 | 0.0 | 11,923,469.1 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 22,168.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 22,168.8 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 735,908.7 | 0.0 | 0.0 | 0.0 | 0.0 | 735,908.7 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,698,140.2 | 970,798.4 | 2,322,426.4 | 1,559,675.7 | 1,958,889.5 | 449,935.5 | 1,238,786.0 | 40,939.3 | 2,808,655.3 | 18,048,246.4 | | Obligaciones con el Banco Central de Nicaragua | 427,070.8 | 13,035.3 | 315,155.5 | 158,432.1 | 317,985.8 | 244,600.7 | 0.0 | 0.0 | 0.0 | 1,476,280.3 | | Arrendamiento Financiero | 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 | | Pasivos Fiscales | 191,313.1 | 240,229.2 | 242,265.2 | 24,598.5 | 92,657.5 | 59,899.4 | 26,207.7 | 2,619.8 | 41,700.8 | 921,491.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 37,077.5 | 0.0 | 368,705.2 | 369,585.5 | 0.0 | 0.0 | 0.0 | 92,396.1 | 867,764.3 | | Otros Pasivos y Provisiones | 1,236,686.7 | 945,049.9 | 1,649,582.7 | 225,505.0 | 411,286.4 | 201,278.6 | 77,866.2 | 20,184.3 | 108,222.5 | 4,875,662.2 | | PATRIMONIO | 15,773,850.0 | 14,640,895.9 | 17,390,720.2 | 2,323,299.0 | 3,555,649.9 | 1,727,366.9 | 5,975,547.4 | 761,385.7 | 947,791.4 | 63,096,506.5 | | Fondos Propios | 15,709,164.2 | 14,192,946.7 | 17,026,097.9 | 2,312,851.8 | 3,336,583.2 | 1,671,317.4 | 5,891,140.8 | 761,305.5 | 917,627.7 | 61,819,035.2 | | Capital Social Pagado | 3,928,500.0 | 5,008,872.0 | 4,683,332.0 | 982,108.4 | 2,585,931.5 | 838,390.9 | 4,996,202.3 | 1,108,258.0 | 700,710.0 | 24,832,305.0 | | Aportes a Capitalizar | 4,321,823.0 | 0.6 | 0.0 | 695,861.7 | 0.0 | 0.3 | 0.0 | 0.0 | 70,702.4 | 5,088,388.0 | | Obligaciones Convertibles en Capital | 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 | 258,418.0 | | Reservas Patrimoniales | 2,728,206.3 | 2,838,902.6 | 3,121,578.5 | 542,756.5 | 589,574.5 | 181,947.2 | 611,600.3 | 0.0 | 58,619.3 | 10,673,185.1 | | Resultados Acumulados | 4,049,757.1 | 5,565,819.5 | 8,227,498.0 | 66,318.3 | 38,317.3 | 576,987.1 | 0.0 | -324,997.9 | 49,297.8 | 18,248,997.2 | | Resultado del Ejercicio | 680,877.8 | 779,352.0 | 993,689.5 | 25,806.9 | 122,760.0 | 73,991.9 | 24,920.2 | -21,954.6 | 38,298.2 | 2,717,741.7 | | Otro Resultado Integral Neto | -60,218.2 | -26,554.7 | 11,350.5 | -618.2 | 9,893.8 | 2,346.5 | 15,531.2 | 80.2 | 3,108.2 | -45,080.7 | | Ajustes de Transición | 124,904.1 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 27,055.6 | 1,322,552.0 | | CUENTAS CONTINGENTES | 26,793,421.4 | 17,210,034.7 | 22,038,375.8 | 1,370,044.4 | 12,823,781.8 | 2,841,575.8 | 0.0 | 60,467.0 | 0.0 | 83,137,700.8 | | CUENTAS DE ORDEN | 158,728,202.0 | 105,236,621.5 | 530,424,602.8 | 51,467,758.0 | 30,142,308.2 | 24,998,762.8 | 14,565,888.3 | 3,922,899.3 | 5,004,064.2 | 924,491,107.1 |
| | 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 ABRIL DE 2025 C$ 36.6243 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 30 DE ABRIL DE 2024 C$ 36.6243 X US$ 1.00 | | 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. | | 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 Monetario y Financiero, mediante Resolución No. CDMF-V-4-25 de fecha 19 de febrero de 2025, autorizó la revocación de la licencia de FINANCIERA FAMA, SOCIEDAD ANÓNIMA, para operar como Financiera bajo la supervisión y regulación de la SIBOIF. Dicha revocación fue inscrita en el Registro Público de la Propiedad Inmueble y Mercantil de Managua en fecha 21 de marzo de 2025 y publicada en La Gaceta, Diario Oficial No. 62 del 1 de abril de 2025. Por lo anterior, a partir del mes de marzo de 2025, la SIBOIF no publica información relativa a esta entidad. |
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