| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 105,225,944.3 | 91,760,108.5 | 92,791,709.5 | 22,872,664.5 | 30,800,956.7 | 13,776,449.3 | 7,312,302.9 | 2,682,201.5 | 4,087,761.5 | 371,310,098.8 | | Efectivo y Equivalentes de Efectivo | 29,014,128.8 | 24,557,171.5 | 22,178,920.3 | 5,174,858.6 | 6,677,114.3 | 3,425,799.2 | 142,404.1 | 612,652.4 | 719,176.7 | 92,502,226.0 | | Moneda Nacional | 13,751,845.7 | 6,973,919.8 | 6,377,601.6 | 1,814,014.4 | 2,904,882.6 | 1,418,868.3 | 40,464.4 | 208,757.3 | 151,804.9 | 33,642,159.0 | | Caja | 2,914,246.7 | 2,255,523.3 | 2,694,756.4 | 288,353.2 | 315,446.1 | 251,412.4 | 9,568.5 | 15,822.0 | 93,635.4 | 8,838,763.8 | | Banco Central de Nicaragua | 5,490,931.0 | 4,422,378.0 | 3,516,984.5 | 738,263.4 | 646,317.9 | 279,916.2 | 4,265.2 | 90,005.9 | 40.5 | 15,189,102.5 | | Instituciones Financieras | 525,560.3 | 253,401.5 | 165,860.8 | 131,838.2 | 27,697.5 | 310,971.9 | 26,630.7 | 6,547.3 | 58,129.0 | 1,506,637.2 | | Depósitos Restringidos | 0.0 | 42,617.0 | 0.0 | 0.0 | 2,543.2 | 21,974.6 | 0.0 | 4,806.4 | 0.0 | 71,941.2 | | Equivalentes de Efectivo | 4,821,107.7 | 0.0 | 0.0 | 655,559.6 | 1,912,877.8 | 554,593.3 | 0.0 | 91,575.7 | 0.0 | 8,035,714.2 | | Moneda Extranjera | 15,262,283.1 | 17,583,251.7 | 15,801,318.7 | 3,360,844.2 | 3,772,231.7 | 2,006,930.9 | 101,939.7 | 403,895.1 | 567,371.8 | 58,860,067.0 | | Caja | 2,160,566.3 | 1,733,403.2 | 2,290,290.4 | 171,299.3 | 353,529.4 | 350,739.8 | 2,836.8 | 26,654.6 | 97,220.7 | 7,186,540.6 | | Banco Central de Nicaragua | 6,871,349.4 | 7,683,311.3 | 9,913,771.5 | 2,154,424.3 | 2,462,507.4 | 1,296,016.0 | 3,223.8 | 81,104.9 | 25.6 | 30,465,734.2 | | Instituciones Financieras | 4,722,425.0 | 4,336,984.2 | 3,597,256.8 | 793,860.7 | 456,075.2 | 132,724.4 | 95,879.1 | 66,708.1 | 470,125.6 | 14,672,039.0 | | Depósitos Restringidos | 23,744.6 | 671,997.0 | 0.0 | 39,826.3 | 133,833.4 | 25,946.6 | 0.0 | 101,231.8 | 0.0 | 996,579.7 | | Equivalentes de Efectivo | 1,484,197.8 | 3,157,556.0 | 0.0 | 201,433.6 | 366,286.4 | 201,503.9 | 0.0 | 128,195.7 | 0.0 | 5,539,173.5 | | 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 | 1,195,891.2 | 1,977,313.5 | 9,086,560.8 | 0.0 | 6,630,856.8 | 6,750.0 | 250.0 | 298,203.7 | 0.0 | 19,195,825.9 | | Cartera a Costo Amortizado | 71,136,280.0 | 60,492,124.5 | 59,618,724.9 | 16,905,048.0 | 15,558,681.7 | 9,721,871.3 | 6,924,167.2 | 1,719,128.5 | 3,180,669.0 | 245,256,695.2 | | Inversiones a Costo Amortizado, Neto | 7,072,736.8 | 18,690,910.9 | 0.0 | 1,290,602.1 | 0.0 | 379,579.6 | 3,497,662.7 | 0.0 | 110,518.3 | 31,042,010.5 | | Cartera de Créditos, Neta | 64,063,543.2 | 41,801,213.6 | 59,618,724.9 | 15,614,445.9 | 15,558,681.7 | 9,342,291.7 | 3,426,504.5 | 1,719,128.5 | 3,070,150.7 | 214,214,684.7 | | Vigentes | 62,228,970.7 | 41,485,378.2 | 60,533,506.8 | 15,177,659.6 | 15,436,134.0 | 9,374,629.7 | 3,305,319.6 | 1,637,096.4 | 3,003,639.5 | 212,182,334.5 | | Prorrogados | 72,517.4 | 13,488.8 | 1,900.1 | 0.0 | 0.0 | 0.0 | 2,746.8 | 0.0 | 120.0 | 90,773.2 | | Reestructurados | 2,772,426.9 | 833,135.9 | 2,786,324.1 | 559,061.7 | 303,775.1 | 126,333.7 | 2,612.1 | 115,088.7 | 7,714.8 | 7,506,472.9 | | Vencidos | 393,628.1 | 384,983.5 | 268,347.4 | 152,958.2 | 145,621.9 | 44,491.3 | 4,217.7 | 0.0 | 56,493.3 | 1,450,741.4 | | Cobro Judicial | 281,267.3 | 149,480.5 | 249,111.2 | 77,922.8 | 45,690.4 | 10,400.7 | 211,087.1 | 2,580.7 | 826.1 | 1,028,366.9 | | Diferimiento de comisiones y otros | -109,323.7 | -165,560.9 | -297,568.6 | -59,176.1 | -41,153.5 | -26,480.6 | -1,592.9 | -4,781.7 | -21,835.7 | -727,473.8 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 832,573.5 | 524,894.0 | 620,719.6 | 186,888.6 | 183,599.5 | 127,554.2 | 35,035.9 | 12,510.4 | 133,123.3 | 2,656,899.1 | | (-) Provisión de Cartera de Créditos | -2,408,517.0 | -1,424,586.5 | -4,543,615.7 | -480,868.9 | -514,985.7 | -314,637.3 | -132,921.9 | -43,366.0 | -109,930.6 | -9,973,429.5 | | Cuentas por Cobrar, Neto | 410,553.9 | 668,280.8 | 442,318.3 | 97,876.5 | 167,522.8 | 80,608.1 | 43,024.8 | 3,287.4 | 20,230.7 | 1,933,703.3 | | 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 | 204,492.8 | 342,711.2 | 0.0 | 21,104.7 | 1,984.0 | 365.9 | 2,482.6 | 0.0 | 3,002.8 | 576,144.0 | | Participaciones | 391,565.3 | 2,221,314.4 | 130,544.6 | 47,989.3 | 844,861.1 | 0.0 | 0.0 | 0.0 | 0.0 | 3,636,274.6 | | Activo Material | 2,085,703.1 | 1,047,732.0 | 1,225,872.4 | 245,391.7 | 509,649.0 | 328,326.3 | 148,608.5 | 12,893.7 | 69,432.3 | 5,673,609.1 | | Activos Intangibles | 297,972.1 | 120,602.2 | 31,912.5 | 117,619.8 | 166,574.9 | 37,046.5 | 16,760.1 | 31,722.7 | 10,234.3 | 830,445.2 | | Activos Fiscales | 8,883.6 | 24,268.8 | 0.0 | 60,268.4 | 48,463.5 | 5,095.7 | 22,119.7 | 99.1 | 35,219.1 | 204,417.9 | | Otros Activos | 480,473.5 | 308,589.6 | 76,855.7 | 202,507.4 | 195,248.5 | 170,586.3 | 12,485.8 | 4,213.8 | 49,796.6 | 1,500,757.4 | | Pasivo | 89,460,948.2 | 77,053,159.8 | 76,052,479.8 | 20,510,611.2 | 27,133,157.4 | 11,998,007.7 | 1,306,981.2 | 1,949,510.7 | 3,130,300.6 | 308,595,156.5 | | Pasivos Financieros a Costo Amortizado | 87,970,615.9 | 75,816,995.4 | 74,188,758.2 | 19,728,400.5 | 26,287,283.0 | 11,716,865.9 | 1,209,107.0 | 1,923,601.5 | 2,862,432.5 | 301,704,059.9 | | Obligaciones con el Público | 77,892,637.1 | 72,779,833.6 | 67,209,029.8 | 16,782,117.6 | 19,236,535.0 | 9,408,711.8 | 0.0 | 751,518.7 | 0.0 | 264,060,383.6 | | Moneda Nacional | 34,737,204.4 | 25,172,302.8 | 20,052,733.0 | 3,593,101.1 | 3,782,823.4 | 1,373,810.8 | 0.0 | 39,897.2 | 0.0 | 88,751,872.8 | | Depósitos a la Vista | 19,857,935.3 | 14,081,940.8 | 12,336,231.4 | 1,410,574.9 | 2,709,647.1 | 800,598.1 | 0.0 | 27,194.6 | 0.0 | 51,224,122.0 | | Depósitos de Ahorro | 13,506,574.0 | 10,103,213.1 | 7,153,525.6 | 1,987,279.9 | 741,862.4 | 457,124.8 | 0.0 | 7,651.2 | 0.0 | 33,957,231.1 | | Depósitos a Plazo | 1,372,695.2 | 987,148.9 | 562,976.0 | 195,246.4 | 331,313.9 | 116,087.9 | 0.0 | 5,051.5 | 0.0 | 3,570,519.7 | | 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 | 42,860,383.1 | 47,372,827.2 | 46,975,438.6 | 13,010,872.0 | 15,303,544.8 | 7,987,107.8 | 0.0 | 709,824.5 | 0.0 | 174,219,998.1 | | Depósitos a la Vista | 10,309,954.9 | 11,604,980.2 | 14,697,192.0 | 1,606,448.9 | 4,106,184.8 | 2,005,888.5 | 0.0 | 173,225.6 | 0.0 | 44,503,874.9 | | Depósitos de Ahorro | 21,197,951.9 | 27,242,765.5 | 23,185,208.9 | 4,877,087.7 | 3,680,359.9 | 2,796,216.7 | 0.0 | 86,715.5 | 0.0 | 83,066,306.1 | | Depósitos a Plazo | 11,352,476.4 | 8,525,081.5 | 9,093,037.7 | 6,527,335.4 | 7,517,000.1 | 3,185,002.6 | 0.0 | 449,883.4 | 0.0 | 46,649,817.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 295,049.5 | 234,703.6 | 180,858.1 | 178,144.5 | 150,166.7 | 47,793.3 | 0.0 | 1,797.0 | 0.0 | 1,088,512.7 | | Otras Obligaciones Diversas con el Público | 1,030,943.5 | 857,242.5 | 340,999.7 | 203,454.9 | 87,712.1 | 62,040.2 | 3,946.0 | 53.6 | 6,727.5 | 2,593,120.2 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,818,595.7 | 1,246,712.4 | 2,559,234.1 | 1,157,178.1 | 3,517,991.0 | 1,619,657.9 | 0.0 | 1,134,465.6 | 0.0 | 13,053,834.9 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 22,064.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 22,064.7 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 1,193,885.4 | 0.0 | 0.0 | 0.0 | 0.0 | 1,193,885.4 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 6,808,277.8 | 932,871.1 | 3,701,117.6 | 1,388,472.1 | 1,981,745.4 | 370,763.3 | 1,205,161.0 | 37,563.6 | 2,855,705.0 | 19,281,676.9 | | Obligaciones con el Banco Central de Nicaragua | 420,161.8 | 335.6 | 378,377.0 | 175,113.1 | 269,414.1 | 255,692.6 | 0.0 | 0.0 | 0.0 | 1,499,094.3 | | 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 | 187,387.1 | 355,005.3 | 221,785.7 | 25,560.2 | 94,395.4 | 59,943.6 | 25,720.5 | 2,028.3 | 58,243.1 | 1,030,069.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 0.0 | 0.0 | 379,451.0 | 380,653.0 | 0.0 | 0.0 | 0.0 | 94,746.2 | 854,850.3 | | Otros Pasivos y Provisiones | 1,302,945.1 | 881,159.1 | 1,641,935.9 | 377,199.4 | 370,826.0 | 221,198.2 | 72,153.7 | 23,880.8 | 114,878.8 | 5,006,176.9 | | PATRIMONIO | 15,764,996.2 | 14,706,948.7 | 16,739,229.7 | 2,362,053.3 | 3,667,799.3 | 1,778,441.6 | 6,005,321.7 | 732,690.9 | 957,461.0 | 62,714,942.3 | | Fondos Propios | 15,694,576.1 | 14,258,549.3 | 16,390,172.3 | 2,351,606.1 | 3,449,083.7 | 1,722,721.3 | 5,920,915.0 | 732,732.8 | 927,297.2 | 61,447,653.9 | | 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 | 4,999,168.2 | 1,108,258.0 | 700,710.0 | 24,835,270.9 | | Aportes a Capitalizar | 4,321,823.0 | 0.6 | 1,464,972.0 | 695,861.7 | 0.0 | 0.3 | 0.0 | 0.0 | 70,702.4 | 6,553,360.0 | | 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 | 3,500,436.4 | 5,016,455.0 | 5,480,675.5 | 66,318.3 | 38,317.3 | 576,987.1 | 0.0 | -324,997.9 | 39,438.2 | 14,393,629.9 | | Resultado del Ejercicio | 1,215,610.5 | 1,394,319.1 | 1,639,614.4 | 64,561.2 | 235,260.5 | 125,395.8 | 51,728.5 | -50,527.3 | 57,827.3 | 4,733,789.9 | | Otro Resultado Integral Neto | -54,440.3 | -26,104.4 | -4,214.4 | -618.1 | 9,542.7 | 2,017.2 | 15,531.2 | -42.0 | 3,108.2 | -55,219.9 | | Ajustes de Transición | 124,860.3 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 27,055.6 | 1,322,508.3 | | CUENTAS CONTINGENTES | 27,997,137.8 | 17,080,293.9 | 22,844,841.6 | 1,414,546.7 | 12,995,921.2 | 3,226,938.4 | 0.0 | 115,322.8 | 0.0 | 85,675,002.5 | | CUENTAS DE ORDEN | 161,488,240.5 | 106,864,072.0 | 531,249,369.4 | 52,149,487.5 | 34,146,740.2 | 25,303,098.5 | 14,617,247.5 | 3,989,619.5 | 5,348,605.7 | 935,156,480.6 |
| | 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 2025 C$ 36.6243 X US$ 1.00 | | TIPO DE CAMBIO OFICIAL AL 31 DE JULIO 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. |
|
