| | | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCO ATLÁNTIDA | FINANCIERA FAMA | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 83,091,589.3 | 68,912,219.2 | 66,067,421.7 | 19,413,899.8 | 21,802,649.3 | 8,680,603.2 | 6,959,218.9 | 1,195,340.2 | 2,284,369.4 | 3,133,435.6 | 281,540,746.6 | | Efectivo y Equivalentes de Efectivo | 24,026,098.2 | 13,775,185.3 | 18,085,572.6 | 4,125,605.3 | 6,355,256.8 | 2,317,128.3 | 334,829.2 | 199,680.2 | 483,314.0 | 581,908.4 | 70,284,578.3 | | Moneda Nacional | 10,763,477.4 | 3,773,673.7 | 5,898,585.9 | 847,466.5 | 1,181,690.7 | 480,158.9 | 75,816.1 | 35,961.2 | 206,570.7 | 232,097.2 | 23,495,498.4 | | Caja | 2,697,057.3 | 1,783,792.6 | 3,026,190.2 | 238,045.2 | 515,487.4 | 227,219.0 | 456.2 | 14,259.1 | 21,726.3 | 97,030.4 | 8,621,263.7 | | Banco Central de Nicaragua | 3,190,443.5 | 1,840,929.2 | 2,704,497.1 | 519,426.7 | 337,959.2 | 112,680.0 | 59.2 | 11,941.3 | 89,007.1 | 0.0 | 8,806,943.4 | | Instituciones Financieras | 237,945.0 | 144,130.6 | 167,898.5 | 54,974.9 | 69,096.7 | 140,259.9 | 75,300.7 | 8,480.7 | 95,837.4 | 135,066.7 | 1,128,991.0 | | Depósitos Restringidos | 0.0 | 4,821.3 | 0.0 | 0.0 | 2,543.2 | 0.0 | 0.0 | 1,280.1 | 0.0 | 0.0 | 8,644.6 | | Equivalentes de Efectivo | 4,638,031.6 | 0.0 | 0.0 | 35,019.8 | 256,604.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,929,655.6 | | Moneda Extranjera | 13,262,620.8 | 10,001,511.6 | 12,186,986.7 | 3,278,138.8 | 5,173,566.0 | 1,836,969.3 | 259,013.0 | 163,719.0 | 276,743.3 | 349,811.3 | 46,789,079.9 | | Caja | 1,273,973.5 | 940,930.1 | 2,515,840.1 | 169,575.9 | 393,836.5 | 286,249.2 | 975.5 | 6,229.1 | 27,327.1 | 43,721.6 | 5,658,658.5 | | Banco Central de Nicaragua | 5,420,101.6 | 5,248,681.4 | 5,909,833.6 | 2,359,397.4 | 2,367,299.6 | 708,480.5 | 4,393.6 | 67,707.6 | 153,747.2 | 0.0 | 22,239,642.4 | | Instituciones Financieras | 5,716,932.9 | 1,773,920.0 | 2,676,122.6 | 714,586.7 | 1,086,220.6 | 296,856.4 | 253,644.0 | 49,913.5 | 95,669.0 | 306,089.7 | 12,969,955.5 | | Depósitos Restringidos | 309,100.0 | 960,708.5 | 0.0 | 34,578.8 | 107,259.5 | 3,843.8 | 0.0 | 39,868.9 | 0.0 | 0.0 | 1,455,359.5 | | Equivalentes de Efectivo | 542,512.8 | 1,077,271.6 | 1,085,190.4 | 0.0 | 1,218,949.8 | 541,539.5 | 0.0 | 0.0 | 0.0 | 0.0 | 4,465,463.9 | | 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 | 1,467,459.0 | 17,575,762.9 | 11,074,317.0 | 172,285.9 | 5,921,634.6 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 36,218,459.4 | | Cartera a Costo Amortizado | 54,167,382.2 | 33,305,529.1 | 35,365,228.8 | 14,393,584.7 | 8,532,233.3 | 5,982,348.9 | 6,446,394.0 | 924,948.9 | 1,646,275.8 | 2,445,744.4 | 163,209,670.1 | | Inversiones a Costo Amortizado, Neto | 7,424,078.2 | 6,530,050.3 | 0.0 | 1,853,998.6 | 5,643.3 | 0.0 | 2,351,236.1 | 54,598.8 | 363.7 | 182,167.2 | 18,402,136.2 | | Cartera de Créditos, Neta | 46,743,304.0 | 26,775,478.8 | 35,365,228.8 | 12,539,586.1 | 8,526,590.0 | 5,982,348.9 | 4,095,157.9 | 870,350.1 | 1,645,912.1 | 2,263,577.2 | 144,807,533.9 | | Vigentes | 44,459,643.2 | 24,731,518.3 | 34,684,648.3 | 11,618,499.2 | 7,966,216.3 | 5,821,643.6 | 4,151,112.9 | 879,529.4 | 1,635,623.6 | 2,190,044.1 | 138,138,479.0 | | Prorrogados | 77,287.8 | 10,165.8 | 3,513.2 | 14,468.2 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 105,435.1 | | Reestructurados | 2,719,158.9 | 2,352,542.5 | 3,251,796.2 | 885,801.9 | 634,181.4 | 322,289.1 | 11,079.3 | 0.0 | 43,891.7 | 10,132.6 | 10,230,873.6 | | Vencidos | 238,643.4 | 252,139.1 | 407,570.9 | 109,633.9 | 73,395.7 | 40,532.6 | 27,275.7 | 0.0 | 30,964.3 | 56,677.0 | 1,236,832.5 | | Cobro Judicial | 248,689.0 | 435,629.6 | 384,511.2 | 192,541.6 | 15,521.5 | 9,684.2 | 946.7 | 0.0 | 0.0 | 0.0 | 1,287,523.8 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -93,002.0 | -130,659.0 | -168,130.0 | -28,642.9 | -9,372.5 | -26,445.4 | -3,754.7 | -3,795.7 | -4,494.1 | 0.0 | -468,296.2 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 621,615.2 | 310,736.5 | 350,265.2 | 162,304.6 | 115,801.9 | 97,775.5 | 80,674.3 | 3,032.1 | 34,547.8 | 103,173.9 | 1,879,927.2 | | (-) Provisión de Cartera de Créditos | -1,528,731.6 | -1,186,593.9 | -3,548,946.1 | -415,020.5 | -269,154.4 | -283,130.8 | -172,176.5 | -8,415.7 | -94,621.2 | -96,450.4 | -7,603,241.0 | | Cuentas por Cobrar, Neto | 244,750.1 | 543,678.8 | 109,933.2 | 50,263.5 | 49,834.3 | 47,266.5 | 2,318.0 | 5,948.5 | 14,911.7 | 11,984.6 | 1,080,889.2 | | 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 | 260,440.6 | 255,776.8 | 11,478.6 | 36,638.1 | 62,356.0 | 2,912.4 | 0.0 | 0.0 | 0.0 | 3,051.2 | 632,653.7 | | Participaciones | 325,684.9 | 2,010,363.6 | 94,873.9 | 37,564.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,468,487.2 | | Activo Material | 2,004,731.8 | 839,862.7 | 1,136,152.1 | 268,570.6 | 380,339.5 | 258,816.6 | 157,921.6 | 17,150.9 | 90,284.0 | 58,936.6 | 5,212,766.4 | | Activos Intangibles | 292,329.9 | 127,125.6 | 229.6 | 54,681.9 | 170,324.4 | 44,318.9 | 5,695.1 | 15,840.0 | 23,359.5 | 7,615.5 | 741,520.4 | | Activos Fiscales | 1,175.3 | 219,754.3 | 0.0 | 115,732.3 | 219,233.4 | 4,397.4 | 7,836.0 | 59.2 | 11,216.0 | 14,281.1 | 593,685.1 | | Otros Activos | 301,537.2 | 259,180.0 | 189,635.9 | 158,972.6 | 111,437.2 | 16,664.3 | 3,974.9 | 31,712.5 | 15,008.4 | 9,913.8 | 1,098,036.8 | | Pasivo | 70,857,053.0 | 58,330,020.3 | 53,001,369.7 | 17,310,432.8 | 19,316,279.7 | 7,431,055.6 | 1,428,974.3 | 723,855.6 | 1,915,079.1 | 2,435,325.8 | 232,749,445.9 | | Pasivos Financieros a Costo Amortizado | 69,838,583.4 | 55,162,907.6 | 51,735,601.3 | 16,716,305.4 | 18,414,612.6 | 7,281,796.0 | 1,342,124.3 | 685,054.9 | 1,807,708.6 | 2,203,232.9 | 225,187,927.1 | | Obligaciones con el Público | 58,490,665.2 | 48,187,835.1 | 49,739,578.1 | 12,859,631.0 | 14,076,126.7 | 5,660,905.5 | 0.0 | 334,213.3 | 0.0 | 0.0 | 189,348,955.0 | | Moneda Nacional | 23,123,570.3 | 13,659,550.9 | 13,203,899.7 | 2,214,756.6 | 1,908,773.5 | 625,573.3 | 0.0 | 13,134.3 | 0.0 | 0.0 | 54,749,258.7 | | Depósitos a la Vista | 14,828,230.6 | 7,461,908.5 | 8,547,235.3 | 559,079.1 | 1,526,150.4 | 374,212.4 | 0.0 | 10,786.1 | 0.0 | 0.0 | 33,307,602.3 | | Depósitos de Ahorro | 7,569,542.7 | 5,732,402.4 | 4,213,583.9 | 1,607,497.7 | 331,294.9 | 221,691.4 | 0.0 | 1,311.8 | 0.0 | 0.0 | 19,677,324.7 | | Depósitos a Plazo | 725,797.0 | 465,240.0 | 443,080.6 | 48,179.9 | 51,328.3 | 29,669.6 | 0.0 | 1,036.4 | 0.0 | 0.0 | 1,764,331.7 | | 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 | 35,173,192.1 | 34,403,592.9 | 36,431,804.9 | 10,557,664.1 | 12,073,307.4 | 5,009,767.3 | 0.0 | 319,474.5 | 0.0 | 0.0 | 133,968,803.3 | | Depósitos a la Vista | 10,296,375.0 | 9,767,137.8 | 12,683,048.2 | 958,324.4 | 3,846,380.4 | 1,238,317.3 | 0.0 | 69,223.5 | 0.0 | 0.0 | 38,858,806.6 | | Depósitos de Ahorro | 16,019,417.5 | 18,080,147.4 | 18,234,919.2 | 5,114,186.0 | 2,852,067.8 | 1,838,228.3 | 0.0 | 17,295.6 | 0.0 | 0.0 | 62,156,261.7 | | Depósitos a Plazo | 8,857,399.7 | 6,556,307.8 | 5,513,837.5 | 4,485,153.8 | 5,374,859.2 | 1,933,221.7 | 0.0 | 232,955.4 | 0.0 | 0.0 | 32,953,735.0 | | 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 | 193,902.8 | 124,691.2 | 103,873.5 | 87,210.3 | 94,045.8 | 25,564.9 | 0.0 | 1,604.5 | 0.0 | 0.0 | 630,893.0 | | Otras Obligaciones Diversas con el Público | 826,181.9 | 390,025.3 | 322,912.0 | 124,855.4 | 46,956.9 | 58,261.9 | 1,334.7 | 6.1 | 0.0 | 0.0 | 1,770,534.1 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 2,620,336.0 | 2,017,677.9 | 1,496,088.5 | 1,204,637.4 | 2,645,921.8 | 800,176.1 | 0.0 | 350,835.5 | 0.0 | 0.0 | 11,135,673.2 | | Obligaciones por Emisión de Deuda | 0.0 | 0.0 | 0.0 | 17,075.7 | 0.0 | 0.0 | 0.0 | 0.0 | 35,547.2 | 0.0 | 52,623.0 | | Pasivos por Operaciones de Reporto | 0.0 | 0.0 | 0.0 | 0.0 | 364,471.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 364,471.5 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,314,418.3 | 4,566,070.7 | 177,022.7 | 2,269,475.9 | 869,482.7 | 670,765.0 | 1,340,789.6 | 0.0 | 1,772,161.4 | 2,203,232.9 | 21,183,419.2 | | Obligaciones con el Banco Central de Nicaragua | 586,982.0 | 1,298.6 | 0.0 | 240,630.0 | 411,653.0 | 91,687.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,332,251.2 | | 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 | 128,049.7 | 362,302.0 | 206,524.9 | 23,812.3 | 276,218.9 | 49,358.8 | 27,759.2 | 171.8 | 20,764.4 | 16,392.2 | 1,111,354.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 0.0 | 2,169,538.4 | 0.0 | 366,230.7 | 367,075.0 | 0.0 | 0.0 | 0.0 | 0.0 | 117,690.4 | 3,020,534.4 | | Otros Pasivos y Provisiones | 890,419.9 | 635,272.3 | 1,059,243.5 | 204,084.3 | 258,373.2 | 99,900.7 | 59,090.7 | 38,629.0 | 86,606.0 | 98,010.3 | 3,429,630.0 | | PATRIMONIO | 12,234,536.2 | 10,582,198.9 | 13,066,052.0 | 2,103,467.0 | 2,486,369.6 | 1,249,547.7 | 5,530,244.6 | 471,484.6 | 369,290.3 | 698,109.8 | 48,791,300.7 | | Fondos Propios | 12,274,090.4 | 10,677,393.2 | 12,681,549.5 | 2,085,752.6 | 2,184,468.8 | 1,193,217.9 | 5,446,994.6 | 471,484.6 | 323,773.7 | 668,030.0 | 48,006,755.2 | | Capital Social Pagado | 3,928,500.0 | 4,268,872.0 | 2,855,000.0 | 982,108.4 | 1,203,702.5 | 838,390.9 | 4,418,928.5 | 672,084.0 | 345,032.0 | 700,710.0 | 20,213,328.3 | | Aportes a Capitalizar | 845,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 70,702.4 | 915,703.3 | | 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 | 1,987,335.6 | 2,129,009.0 | 2,115,749.2 | 497,010.3 | 403,226.1 | 100,121.3 | 519,017.1 | 0.0 | 3,667.8 | 19,345.4 | 7,774,481.8 | | Resultados Acumulados | 4,308,881.7 | 3,270,140.4 | 6,184,462.6 | 563,618.1 | 294,967.7 | 123,737.8 | 0.0 | -157,260.0 | -69,544.5 | -173,253.8 | 14,345,749.9 | | Resultado del Ejercicio | 1,204,373.1 | 1,009,371.2 | 1,526,337.7 | 43,015.8 | 282,572.5 | 130,967.6 | 250,631.0 | -43,339.4 | 44,618.5 | 50,526.0 | 4,499,073.9 | | Otro Resultado Integral Neto | -171,020.6 | -569,698.1 | 31,230.7 | 6,649.1 | 92,728.0 | 2,626.7 | 14,374.5 | 0.0 | 5,642.4 | 3,024.2 | -584,443.2 | | Ajustes de Transición | 131,466.5 | 474,503.9 | 353,271.8 | 11,065.4 | 209,172.9 | 53,703.1 | 68,875.5 | 0.0 | 39,874.2 | 27,055.6 | 1,368,988.7 | | CUENTAS CONTINGENTES | 14,777,200.6 | 16,918,942.0 | 11,316,320.5 | 1,188,829.4 | 8,676,111.3 | 1,013,911.1 | 0.0 | 0.0 | 0.0 | 0.0 | 53,891,314.8 | | CUENTAS DE ORDEN | 113,933,585.8 | 47,761,733.1 | 332,262,255.9 | 46,469,433.7 | 19,499,692.0 | 20,285,575.1 | 11,411,444.7 | 1,968,437.5 | 2,247,409.4 | 3,941,407.6 | 599,780,974.8 |
| | 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 2022 C$ 36.1705 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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