| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 102,877,659.9 | 90,606,904.7 | 88,224,761.1 | 22,625,046.7 | 29,657,158.5 | 13,095,325.5 | 7,300,990.5 | 2,494,017.2 | 3,928,152.1 | 360,810,016.4 | | Efectivo y Equivalentes de Efectivo | 27,290,842.2 | 25,756,807.2 | 19,507,119.8 | 5,022,732.7 | 5,608,912.7 | 3,261,538.9 | 231,119.3 | 577,521.1 | 650,684.4 | 87,907,278.4 | | Moneda Nacional | 13,107,441.3 | 7,432,122.6 | 6,306,177.0 | 1,646,253.6 | 1,745,259.3 | 1,575,733.6 | 40,791.7 | 160,993.5 | 186,969.1 | 32,201,741.7 | | Caja | 2,462,626.9 | 1,887,211.6 | 2,616,362.5 | 269,750.0 | 319,349.4 | 234,802.6 | 8,638.1 | 17,377.7 | 93,300.4 | 7,909,419.3 | | Banco Central de Nicaragua | 5,708,455.3 | 4,560,205.9 | 3,310,301.7 | 554,604.9 | 448,556.9 | 282,241.3 | 94.1 | 127,077.5 | 39.5 | 14,991,577.1 | | Instituciones Financieras | 560,560.2 | 281,845.1 | 379,512.7 | 208,379.1 | 54,586.9 | 350,128.5 | 32,059.6 | 12,374.4 | 93,629.2 | 1,973,075.8 | | Depósitos Restringidos | 0.0 | 2,568.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 4,163.8 | 0.0 | 9,275.4 | | Equivalentes de Efectivo | 4,375,798.9 | 700,291.6 | 0.0 | 613,519.5 | 920,222.8 | 708,561.2 | 0.0 | 0.0 | 0.0 | 7,318,394.1 | | Moneda Extranjera | 14,183,400.9 | 18,324,684.6 | 13,200,942.8 | 3,376,479.2 | 3,863,653.4 | 1,685,805.2 | 190,327.6 | 416,527.6 | 463,715.3 | 55,705,536.7 | | Caja | 1,922,128.9 | 1,605,307.2 | 2,932,309.8 | 160,882.0 | 620,670.3 | 306,873.3 | 2,916.3 | 10,263.8 | 92,608.8 | 7,653,960.4 | | Banco Central de Nicaragua | 6,553,180.0 | 7,587,655.0 | 7,306,348.4 | 2,033,331.6 | 2,149,280.2 | 1,196,674.0 | 5,452.8 | 85,497.5 | 22.0 | 26,917,441.5 | | Instituciones Financieras | 5,154,445.7 | 4,298,426.8 | 2,412,782.8 | 703,250.6 | 502,783.4 | 115,789.0 | 181,958.5 | 66,923.8 | 371,084.5 | 13,807,445.2 | | Depósitos Restringidos | 20,746.3 | 692,786.6 | 0.0 | 39,542.4 | 132,939.6 | 25,761.7 | 0.0 | 88,991.9 | 0.0 | 1,000,768.4 | | Equivalentes de Efectivo | 532,900.1 | 4,140,509.0 | 549,501.8 | 439,472.6 | 457,979.9 | 40,707.2 | 0.0 | 164,850.6 | 0.0 | 6,325,921.1 | | 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 | 1,194,504.9 | 1,329,675.5 | 7,196,308.8 | 0.0 | 6,992,577.4 | 6,750.0 | 250.0 | 245,616.2 | 0.0 | 16,965,682.8 | | Cartera a Costo Amortizado | 70,307,177.1 | 58,465,719.2 | 59,269,740.4 | 16,848,583.6 | 14,979,829.0 | 9,219,504.4 | 6,818,938.8 | 1,621,746.0 | 3,098,767.6 | 240,630,006.0 | | Inversiones a Costo Amortizado, Neto | 6,938,420.8 | 15,916,355.2 | 0.0 | 1,395,695.6 | 0.0 | 189,755.3 | 3,427,170.8 | 0.0 | 111,059.5 | 27,978,457.1 | | Cartera de Créditos, Neta | 63,368,756.4 | 42,549,364.0 | 59,269,740.4 | 15,452,888.0 | 14,979,829.0 | 9,029,749.1 | 3,391,768.0 | 1,621,746.0 | 2,987,708.1 | 212,651,548.9 | | Vigentes | 61,571,149.2 | 42,035,793.7 | 59,952,424.8 | 14,973,573.8 | 14,878,237.5 | 9,053,912.7 | 3,254,529.3 | 1,558,904.8 | 2,931,299.5 | 210,209,825.3 | | Prorrogados | 81,240.8 | 10,141.8 | 215,969.1 | 0.0 | 0.0 | 0.0 | 2,746.8 | 0.0 | 120.0 | 310,218.6 | | Reestructurados | 2,642,302.7 | 878,425.8 | 2,814,463.7 | 540,682.0 | 282,971.2 | 125,496.4 | 0.0 | 92,716.9 | 6,524.2 | 7,383,583.0 | | Vencidos | 382,861.7 | 370,496.9 | 313,258.0 | 215,808.0 | 134,074.5 | 38,864.5 | 2,747.3 | 2,580.7 | 56,104.8 | 1,516,796.5 | | Cobro Judicial | 261,371.7 | 586,625.3 | 248,623.4 | 74,873.0 | 32,792.7 | 13,030.2 | 357,584.3 | 0.0 | 826.1 | 1,575,726.8 | | Diferimiento de comisiones y otros | -106,150.5 | -164,810.4 | -286,071.6 | -55,962.5 | -39,826.7 | -26,760.9 | -1,698.1 | -5,368.3 | -20,069.2 | -706,718.2 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 874,536.6 | 560,511.2 | 589,235.5 | 188,428.8 | 179,278.8 | 133,706.9 | 48,625.9 | 14,864.1 | 121,996.0 | 2,711,183.8 | | (-) Provisión de Cartera de Créditos | -2,338,555.8 | -1,727,820.5 | -4,578,162.4 | -484,515.2 | -487,699.0 | -308,500.8 | -272,767.6 | -41,952.3 | -109,093.3 | -10,349,066.9 | | Cuentas por Cobrar, Neto | 475,253.2 | 1,042,563.9 | 828,733.8 | 95,694.3 | 190,880.4 | 99,785.0 | 37,412.4 | 2,934.2 | 19,206.4 | 2,792,463.7 | | 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 | 204,689.8 | 349,790.4 | 0.0 | 22,847.2 | 1,984.0 | 1,228.0 | 2,482.6 | 0.0 | 3,002.8 | 586,025.0 | | Participaciones | 391,565.3 | 2,175,910.2 | 127,202.8 | 46,667.4 | 830,170.5 | 0.0 | 0.0 | 0.0 | 0.0 | 3,571,516.3 | | Activo Material | 2,102,860.1 | 981,270.7 | 1,197,157.6 | 249,787.2 | 502,202.6 | 332,122.3 | 151,251.5 | 13,683.7 | 66,539.4 | 5,596,875.0 | | Activos Intangibles | 290,239.5 | 117,360.4 | 38,409.7 | 121,977.6 | 157,552.3 | 36,112.8 | 17,820.2 | 29,411.2 | 11,955.2 | 820,838.8 | | Activos Fiscales | 11,960.1 | 32,956.6 | 0.0 | 67,486.1 | 46,982.5 | 5,032.5 | 26,953.6 | 33.8 | 29,140.5 | 220,545.6 | | Otros Activos | 608,567.7 | 354,850.6 | 60,088.2 | 149,270.6 | 346,067.1 | 133,251.6 | 14,762.1 | 3,071.0 | 48,855.9 | 1,718,784.8 | | Pasivo | 86,918,828.7 | 75,761,206.9 | 70,633,059.8 | 20,295,800.8 | 26,062,914.7 | 11,351,049.5 | 1,315,956.5 | 1,750,166.6 | 2,974,261.0 | 297,063,244.3 | | Pasivos Financieros a Costo Amortizado | 85,285,492.5 | 74,560,731.6 | 68,561,129.8 | 19,632,047.2 | 25,098,070.7 | 11,010,201.8 | 1,224,505.5 | 1,726,636.8 | 2,720,930.7 | 289,819,746.6 | | Obligaciones con el Público | 76,065,963.0 | 71,541,291.7 | 64,408,636.1 | 16,622,326.3 | 18,456,282.3 | 8,818,895.2 | 0.0 | 626,582.4 | 0.0 | 256,539,976.9 | | Moneda Nacional | 34,215,920.7 | 25,136,201.4 | 18,789,811.7 | 3,672,904.6 | 3,154,129.7 | 1,304,223.2 | 0.0 | 25,042.2 | 0.0 | 86,298,233.4 | | Depósitos a la Vista | 19,495,281.4 | 14,806,619.8 | 11,641,582.2 | 1,331,310.4 | 2,316,712.6 | 774,489.5 | 0.0 | 13,190.9 | 0.0 | 50,379,186.9 | | Depósitos de Ahorro | 13,251,059.7 | 9,330,457.0 | 6,620,601.0 | 2,160,855.6 | 584,547.0 | 416,858.7 | 0.0 | 6,908.9 | 0.0 | 32,371,287.9 | | Depósitos a Plazo | 1,469,579.6 | 999,124.6 | 527,628.4 | 180,738.5 | 252,870.1 | 112,875.1 | 0.0 | 4,942.3 | 0.0 | 3,547,758.7 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 41,582,502.9 | 46,183,974.5 | 45,445,789.1 | 12,789,411.9 | 15,157,168.2 | 7,473,243.0 | 0.0 | 599,310.0 | 0.0 | 169,231,399.7 | | Depósitos a la Vista | 10,242,426.6 | 11,809,617.9 | 14,855,948.9 | 1,578,381.8 | 4,135,742.1 | 1,600,590.9 | 0.0 | 119,722.7 | 0.0 | 44,342,430.7 | | Depósitos de Ahorro | 20,586,877.2 | 25,767,512.1 | 22,259,688.6 | 4,550,083.2 | 3,643,137.8 | 2,655,803.0 | 0.0 | 70,792.7 | 0.0 | 79,533,894.6 | | Depósitos a Plazo | 10,753,199.1 | 8,606,844.5 | 8,330,151.6 | 6,660,946.9 | 7,378,288.4 | 3,216,849.1 | 0.0 | 408,794.6 | 0.0 | 45,355,074.3 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 267,539.4 | 221,115.7 | 173,035.3 | 160,009.8 | 144,984.4 | 41,429.0 | 0.0 | 2,230.2 | 0.0 | 1,010,343.8 | | Otras Obligaciones Diversas con el Público | 992,224.6 | 874,824.7 | 339,773.1 | 137,717.9 | 66,807.9 | 117,423.3 | 3,897.0 | 301.2 | 7,738.0 | 2,540,707.7 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,713,843.0 | 1,211,312.3 | 1,298,614.3 | 1,145,280.7 | 3,546,781.2 | 1,374,697.0 | 0.0 | 1,058,551.4 | 0.0 | 11,349,079.9 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 22,291.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 22,291.2 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 739,135.2 | 0.0 | 0.0 | 0.0 | 0.0 | 739,135.2 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,074,262.3 | 920,195.0 | 2,201,536.2 | 1,549,782.3 | 1,968,988.5 | 452,530.0 | 1,220,608.5 | 41,201.8 | 2,713,192.7 | 17,142,297.4 | | Obligaciones con el Banco Central de Nicaragua | 439,199.6 | 13,107.8 | 312,570.1 | 154,648.8 | 320,075.7 | 246,656.2 | 0.0 | 0.0 | 0.0 | 1,486,258.2 | | 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 | 190,714.6 | 317,104.8 | 207,633.3 | 24,795.6 | 95,476.0 | 59,122.8 | 26,045.3 | 2,712.8 | 48,895.0 | 972,500.0 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 37,351.9 | 0.0 | 372,300.4 | 373,314.5 | 0.0 | 0.0 | 0.0 | 93,188.0 | 876,154.8 | | Otros Pasivos y Provisiones | 1,442,621.5 | 846,018.6 | 1,864,296.7 | 266,657.6 | 496,053.5 | 281,724.9 | 65,405.7 | 20,817.1 | 111,247.3 | 5,394,842.9 | | PATRIMONIO | 15,958,831.2 | 14,845,697.8 | 17,591,701.4 | 2,329,246.0 | 3,594,243.9 | 1,744,276.0 | 5,985,034.0 | 743,850.6 | 953,891.1 | 63,746,772.0 | | Fondos Propios | 15,894,784.6 | 14,390,664.7 | 17,226,838.4 | 2,318,798.6 | 3,375,754.0 | 1,688,226.4 | 5,900,627.4 | 743,789.5 | 923,727.3 | 62,463,211.1 | | 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 | 866,498.2 | 977,070.0 | 1,194,430.0 | 31,753.7 | 161,930.8 | 90,900.9 | 34,406.8 | -39,470.6 | 44,397.8 | 3,361,917.6 | | Otro Resultado Integral Neto | -60,857.5 | -19,470.7 | 11,591.2 | -618.0 | 9,317.0 | 2,346.5 | 15,531.2 | 61.1 | 3,108.2 | -38,991.1 | | 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 | 26,668,472.2 | 17,000,989.3 | 22,179,209.7 | 1,354,614.5 | 12,585,635.2 | 2,963,397.1 | 0.0 | 66,949.5 | 0.0 | 82,819,267.5 | | CUENTAS DE ORDEN | 162,416,643.1 | 104,851,972.0 | 528,020,616.9 | 51,459,157.9 | 31,314,558.2 | 25,151,443.7 | 14,688,625.9 | 4,028,711.7 | 5,058,572.6 | 926,990,302.1 |
| | 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 31 DE MAYO DE 2025 C$ 36.6243 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE MAYO 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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