| | BANPRO | BANCO LAFISE BANCENTRO | BAC | BDF | BANCO FICOHSA | AVANZ | BANCO PRODUZCAMOS | BANCORP | FINANCIERA FAMA | FINANCIERA FINCA NICARAGUA | FINANCIERA FUNDESER | Financiera FDL, S.A. | Sistema Bancario y Financiero | | Activo | 61,115,084.5 | 53,761,407.1 | 47,907,745.3 | 21,727,559.1 | 13,402,008.8 | 6,119,414.4 | 6,011,663.1 | 12,536,417.9 | 2,079,334.9 | 1,251,854.6 | 1,686,352.6 | 3,445,656.4 | 231,044,498.8 | | Efectivo y Equivalentes de Efectivo | 12,146,208.1 | 8,886,364.3 | 12,578,850.3 | 3,639,052.5 | 2,762,490.1 | 1,534,136.7 | 233,831.2 | 4,735,063.1 | 463,031.3 | 186,882.6 | 357,311.0 | 642,123.5 | 48,165,344.8 | | Moneda Nacional | 4,336,082.0 | 2,346,307.9 | 2,770,776.0 | 922,918.0 | 465,995.5 | 438,609.6 | 43,979.9 | 1,348,819.3 | 51,990.2 | 22,060.4 | 220,794.2 | 258,524.2 | 13,226,857.2 | | Caja | 1,677,468.2 | 1,145,046.7 | 1,513,625.4 | 261,506.4 | 167,695.0 | 170,708.1 | 207.8 | 32,154.9 | 12,292.4 | 11,453.9 | 19,013.7 | 62,811.3 | 5,073,983.6 | | Banco Central de Nicaragua | 2,482,840.7 | 1,098,212.0 | 1,142,125.7 | 585,555.2 | 279,232.6 | 95,734.9 | 11,149.3 | 1,281,554.6 | 25,418.8 | 8.6 | 99.6 | 0.0 | 7,001,932.1 | | Instituciones Financieras | 175,773.1 | 103,049.2 | 115,024.9 | 75,856.4 | 19,068.0 | 12,163.3 | 32,622.8 | 35,109.7 | 14,279.0 | 10,597.9 | 121,050.0 | 195,712.9 | 910,307.1 | | Depósitos Restringidos | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 160,003.3 | 0.0 | 0.0 | 0.0 | 0.0 | 80,631.0 | 0.0 | 240,634.2 | | Moneda Extranjera | 7,810,126.1 | 6,540,056.4 | 9,808,074.3 | 2,716,134.5 | 2,296,494.6 | 1,095,527.1 | 189,851.4 | 3,386,243.9 | 411,041.1 | 164,822.2 | 136,516.9 | 383,599.4 | 34,938,487.7 | | Caja | 1,181,776.2 | 576,872.4 | 1,500,520.9 | 315,589.1 | 266,030.9 | 176,392.4 | 641.6 | 21,206.0 | 10,758.2 | 2,323.3 | 7,383.8 | 34,816.3 | 4,094,311.1 | | Banco Central de Nicaragua | 4,967,895.0 | 3,308,545.4 | 4,731,016.7 | 1,710,705.9 | 694,658.0 | 491,134.9 | 126.0 | 3,041,694.6 | 12,029.8 | 5,356.7 | 1,947.9 | 0.0 | 18,965,110.7 | | Instituciones Financieras | 1,632,857.3 | 2,405,048.8 | 3,576,536.6 | 659,823.5 | 1,158,550.2 | 115,499.1 | 185,837.3 | 236,260.6 | 388,253.1 | 157,142.2 | 115,880.1 | 332,541.4 | 10,964,230.2 | | Depósitos Restringidos | 27,597.5 | 249,589.9 | 0.0 | 30,016.0 | 126,612.3 | 3,337.4 | 3,246.5 | 87,082.8 | 0.0 | 0.0 | 0.0 | 0.0 | 527,482.4 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 50,643.1 | 309,163.3 | 0.0 | 0.0 | 0.0 | 0.0 | 11,305.1 | 16,241.7 | 387,353.2 | | Inversiones a Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 425,231.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 425,231.9 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,644,009.6 | 4,291,730.0 | 655,502.8 | 272,307.5 | 1,882,414.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,745,964.4 | | Cartera a Costo Amortizado | 44,589,427.8 | 37,073,290.6 | 33,125,694.9 | 17,107,963.3 | 7,822,989.6 | 3,688,100.6 | 5,549,398.5 | 7,382,617.2 | 1,417,732.5 | 985,007.1 | 1,250,584.4 | 2,652,732.1 | 162,645,538.4 | | Inversiones a Costo Amortizado, Neto | 4,917,156.4 | 5,330,526.5 | 0.0 | 720,394.8 | 0.0 | 0.0 | 2,630,510.7 | 4,766,599.7 | 325.4 | 0.0 | 0.0 | 97,656.3 | 18,463,169.7 | | Cartera de Créditos, Neta | 39,672,271.4 | 31,742,764.1 | 33,125,694.9 | 16,387,568.5 | 7,822,989.6 | 3,688,100.6 | 2,918,887.8 | 2,616,017.5 | 1,417,407.1 | 985,007.1 | 1,250,584.4 | 2,555,075.8 | 144,182,368.7 | | Vigentes | 37,518,501.7 | 30,097,388.9 | 31,050,448.0 | 15,727,645.8 | 7,170,350.9 | 3,459,530.6 | 2,800,892.3 | 2,549,674.1 | 1,364,073.1 | 829,759.7 | 1,078,228.8 | 2,549,885.1 | 136,196,378.9 | | Prorrogados | 666,531.4 | 285,233.8 | 1,648,301.6 | 145,632.4 | 252,427.1 | 9,059.9 | 92,040.7 | 0.0 | 9,603.7 | 72,381.2 | 0.0 | 0.0 | 3,181,211.9 | | Reestructurados | 1,531,606.7 | 1,323,427.7 | 794,452.3 | 562,467.4 | 504,240.7 | 298,386.1 | 35,863.7 | 65,311.5 | 112,666.3 | 179,398.4 | 151,790.9 | 56,403.0 | 5,616,014.7 | | Vencidos | 539,782.8 | 768,971.8 | 724,324.4 | 306,544.3 | 252,665.0 | 65,263.4 | 48,795.8 | 265.4 | 81,562.3 | 78,777.2 | 108,867.3 | 136,350.5 | 3,112,170.1 | | Cobro Judicial | 286,590.4 | 309,838.8 | 331,863.1 | 186,325.3 | 12,859.2 | 44,059.0 | 6,886.0 | 18,695.2 | 0.0 | 11,824.2 | 324.6 | 0.0 | 1,209,265.8 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -85,813.3 | -147,153.0 | -163,752.1 | -17,971.9 | -61,698.6 | -21,794.5 | -3,356.0 | -16,318.4 | -2,313.6 | -6,940.1 | -5,505.1 | 0.0 | -532,616.6 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 708,932.0 | 616,279.9 | 404,567.0 | 195,190.2 | 148,752.2 | 83,626.3 | 59,388.3 | 43,157.9 | 31,624.8 | 50,393.7 | 97,189.0 | 163,650.3 | 2,602,751.4 | | (-) Provisión de Cartera de Créditos | -1,493,860.2 | -1,511,223.8 | -1,664,509.5 | -718,265.0 | -456,606.9 | -250,030.2 | -121,623.0 | -44,768.1 | -179,809.5 | -230,587.3 | -180,311.1 | -351,213.0 | -7,202,807.4 | | Cuentas por Cobrar, Neto | 181,263.5 | 443,608.3 | 108,136.5 | 88,755.2 | 48,942.6 | 34,805.1 | 4,613.8 | 9,867.9 | 23,756.3 | 1,102.1 | 2,019.1 | 11,307.9 | 958,178.3 | | Activos no Corrientes Mantenidos para la Venta | 45,583.1 | 0.0 | 0.0 | 20,784.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 66,367.7 | | Activos Recibidos en Recuperación de Créditos | 92,313.9 | 160,918.3 | 20,599.1 | 33,815.4 | 5,831.7 | 1,283.2 | 0.0 | 5,593.5 | 8,626.8 | 16,582.8 | 1,856.1 | 757.4 | 348,178.2 | | Participaciones | 247,616.6 | 1,676,262.5 | 62,902.8 | 27,250.8 | 7,188.9 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,028,221.5 | | Activo Material | 1,865,357.0 | 880,951.4 | 1,190,983.8 | 339,482.5 | 421,875.8 | 350,897.2 | 162,472.3 | 15,700.1 | 103,571.8 | 55,086.3 | 56,061.4 | 86,356.6 | 5,528,796.3 | | Activos Intangibles | 102,368.1 | 68,143.0 | 23,790.0 | 56,591.8 | 203,393.6 | 56,225.7 | 49,607.6 | 52,291.7 | 34,085.5 | 0.0 | 15,019.5 | 31,583.3 | 693,099.7 | | Activos Fiscales | 12,273.1 | 31,106.8 | 0.0 | 29,596.7 | 82,645.4 | 6,805.7 | 0.0 | 35,948.2 | 3,145.6 | 4,212.3 | 0.0 | 1,712.1 | 207,446.1 | | Otros Activos | 188,663.7 | 249,032.0 | 141,285.2 | 111,958.9 | 164,236.5 | 15,178.2 | 11,489.7 | 299,336.1 | 25,385.1 | 2,981.4 | 3,501.1 | 19,083.5 | 1,232,131.3 | | Pasivo | 52,491,668.3 | 45,090,250.0 | 38,242,269.7 | 19,295,655.4 | 11,519,428.7 | 5,095,958.3 | 1,452,223.9 | 11,804,937.9 | 1,585,050.0 | 1,068,117.6 | 1,511,081.1 | 2,944,297.7 | 192,100,938.6 | | Pasivos Financieros a Costo Amortizado | 50,845,596.8 | 41,934,854.2 | 37,352,819.9 | 18,625,992.8 | 10,982,454.0 | 4,996,752.8 | 1,356,450.9 | 11,437,745.2 | 1,518,312.6 | 926,974.4 | 1,391,904.5 | 2,611,834.1 | 183,981,692.2 | | Obligaciones con el Público | 37,622,736.0 | 28,811,093.0 | 27,892,120.6 | 11,428,092.5 | 5,629,124.9 | 3,840,545.3 | 0.0 | 11,337,543.7 | 0.0 | 0.0 | 0.0 | 0.0 | 126,561,256.0 | | Moneda Nacional | 12,795,318.5 | 7,433,539.8 | 6,194,389.3 | 1,631,111.1 | 791,271.8 | 586,986.4 | 0.0 | 3,107,693.1 | 0.0 | 0.0 | 0.0 | 0.0 | 32,540,310.0 | | Depósitos a la Vista | 6,274,837.2 | 4,105,005.2 | 3,860,318.7 | 362,223.0 | 658,603.4 | 403,178.3 | 0.0 | 2,251,529.4 | 0.0 | 0.0 | 0.0 | 0.0 | 17,915,695.3 | | Depósitos de Ahorro | 5,696,010.8 | 2,757,868.9 | 2,000,958.7 | 1,099,730.6 | 121,361.0 | 147,009.4 | 0.0 | 851,292.2 | 0.0 | 0.0 | 0.0 | 0.0 | 12,674,231.6 | | Depósitos a Plazo | 824,470.5 | 570,665.7 | 333,111.9 | 169,157.6 | 11,307.3 | 36,798.7 | 0.0 | 4,871.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,950,383.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Moneda Extranjera | 24,636,368.1 | 21,192,509.0 | 21,540,006.4 | 9,674,666.7 | 4,792,219.0 | 3,215,220.1 | 0.0 | 8,227,840.7 | 0.0 | 0.0 | 0.0 | 0.0 | 93,278,830.0 | | Depósitos a la Vista | 7,067,995.9 | 5,349,816.1 | 6,076,365.6 | 791,115.1 | 1,410,780.8 | 630,841.9 | 0.0 | 7,512,742.8 | 0.0 | 0.0 | 0.0 | 0.0 | 28,839,658.1 | | Depósitos de Ahorro | 9,946,611.3 | 8,369,336.1 | 9,245,038.1 | 5,377,004.5 | 1,154,012.1 | 829,063.7 | 0.0 | 470,086.0 | 0.0 | 0.0 | 0.0 | 0.0 | 35,391,151.8 | | Depósitos a Plazo | 7,621,760.9 | 7,473,356.8 | 6,218,602.6 | 3,506,547.1 | 2,227,426.1 | 1,755,314.4 | 0.0 | 245,012.0 | 0.0 | 0.0 | 0.0 | 0.0 | 29,048,020.1 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 191,049.3 | 185,044.2 | 157,724.9 | 122,314.7 | 45,634.2 | 38,338.8 | 0.0 | 2,009.8 | 0.0 | 0.0 | 0.0 | 0.0 | 742,115.9 | | Otras Obligaciones Diversas con el Público | 408,198.7 | 304,914.0 | 293,742.3 | 119,386.2 | 42,080.5 | 38,925.9 | 2,559.8 | 92,006.9 | 1,950.8 | 931.5 | 0.0 | 0.0 | 1,304,696.5 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,263,859.2 | 1,741,609.7 | 4,705,644.9 | 1,471,307.5 | 1,459,725.4 | 737,345.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,379,491.7 | | Obligaciones por Emisión de Deuda | 68,583.9 | 0.0 | 0.0 | 200,439.8 | 0.0 | 0.0 | 0.0 | 0.0 | 59,143.7 | 36,173.8 | 5,522.4 | 0.0 | 369,863.7 | | Pasivos por Operaciones de Reporto | 3,632,553.2 | 2,368,765.8 | 234,993.0 | 609,822.7 | 375,911.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,222,046.1 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,349,195.2 | 8,452,830.3 | 4,226,319.2 | 4,642,722.2 | 2,883,545.8 | 356,755.0 | 1,353,891.1 | 8,194.6 | 1,457,218.1 | 889,869.2 | 1,386,382.0 | 2,611,834.1 | 35,618,756.8 | | Obligaciones con el Banco Central de Nicaragua | 500,470.7 | 255,641.4 | 0.0 | 154,221.9 | 592,065.9 | 23,181.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,525,581.5 | | Arrendamiento Financiero | 0.0 | 0.0 | 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 | 0.0 | 0.0 | | Pasivos Fiscales | 109,326.2 | 54,496.2 | 158,524.4 | 3,144.2 | 68,684.3 | 43,377.9 | 50,041.0 | 48,657.3 | 16,601.3 | 5,346.0 | 2,295.9 | 22,153.1 | 582,647.9 | | Obligaciones Subordinadas y/o Convertibles en Capital | 974,493.7 | 2,444,613.2 | 0.0 | 500,217.8 | 325,020.3 | 0.0 | 0.0 | 0.0 | 0.0 | 100,721.4 | 86,462.0 | 227,493.7 | 4,659,022.1 | | Otros Pasivos y Provisiones | 562,251.6 | 656,286.5 | 730,925.3 | 166,300.6 | 143,269.9 | 55,827.6 | 45,732.0 | 318,535.4 | 50,136.1 | 35,075.8 | 30,418.7 | 82,816.9 | 2,877,576.4 | | PATRIMONIO | 8,623,416.2 | 8,671,157.1 | 9,665,475.6 | 2,431,903.7 | 1,882,580.1 | 1,023,456.1 | 4,559,439.2 | 731,480.0 | 494,284.9 | 183,737.0 | 175,271.6 | 501,358.7 | 38,943,560.2 | | Fondos Propios | 8,451,600.3 | 8,219,319.9 | 9,307,920.7 | 2,403,548.3 | 1,646,825.1 | 943,491.9 | 4,443,174.9 | 716,600.7 | 456,893.1 | 177,394.2 | 174,034.9 | 463,939.6 | 37,404,743.6 | | Capital Social Pagado | 3,559,500.0 | 4,268,872.0 | 2,855,000.0 | 1,173,560.0 | 879,702.5 | 838,390.9 | 3,565,919.7 | 524,600.0 | 345,032.0 | 300,360.0 | 259,500.1 | 540,637.2 | 19,111,074.4 | | Aportes a Capitalizar | 369,000.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 5.8 | 8,196.3 | 33,353.7 | 410,556.7 | | 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 | 0.0 | 0.0 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 253,828.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 253,828.9 | | Reservas Patrimoniales | 1,587,607.8 | 1,480,235.0 | 1,680,969.5 | 451,719.5 | 293,711.2 | 69,414.5 | 377,563.1 | 26,437.3 | 39,993.8 | 13,777.9 | 5,574.3 | 8,063.9 | 6,035,067.9 | | Resultados Acumulados | 2,870,485.4 | 2,367,129.5 | 4,733,307.3 | 770,455.1 | 471,200.2 | 34,312.8 | 211,689.9 | 151,146.5 | 70,568.4 | -120,903.3 | -84,386.0 | -128,897.8 | 11,346,108.1 | | Resultado del Ejercicio | 65,007.0 | 103,082.8 | 38,643.8 | 7,813.7 | 2,211.2 | 1,373.3 | 34,173.2 | 14,416.8 | 1,298.9 | -15,846.3 | -14,849.8 | 10,782.6 | 248,107.5 | | Otro Resultado Integral Neto | 19,145.5 | -3,179.7 | 4,283.2 | -2,026.2 | 1,703.7 | 5,997.8 | 85,330.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,241.5 | 115,495.8 | | Ajustes de Transición | 152,670.4 | 455,016.9 | 353,271.8 | 30,381.6 | 234,051.3 | 73,966.4 | 30,934.3 | 14,879.4 | 37,391.8 | 6,342.8 | 1,236.7 | 33,177.5 | 1,423,320.8 | | CUENTAS CONTINGENTES | 21,302,744.4 | 12,916,339.6 | 8,656,236.0 | 1,512,118.3 | 5,937,140.6 | 191,249.2 | 0.0 | 199,542.1 | 0.0 | 0.0 | 3,559.6 | 0.0 | 50,718,929.9 | | CUENTAS DE ORDEN | 98,274,043.6 | 52,039,829.8 | 280,031,596.2 | 63,076,062.0 | 19,606,859.0 | 14,004,609.7 | 8,550,133.1 | 85,468,032.3 | 2,346,849.9 | 3,527,776.4 | 2,358,672.7 | 3,107,067.5 | 632,391,532.2 |
| | Información contable reportada por las instituciones financieras supervisadas. | | La información de éste estado financiero no ha sido auditada. | | La comparación de estados financieros es obligatoria a partir del año 2020. | | TIPO DE CAMBIO OFICIAL AL 31 DE ENERO DE 2019 C$ 32.4647 X US$ 1.00 | |
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