| | 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 | 61,967,601.0 | 53,612,472.9 | 47,072,516.0 | 21,668,664.1 | 12,911,090.0 | 5,982,295.3 | 6,034,823.5 | 11,567,433.1 | 2,014,642.0 | 1,121,368.9 | 1,668,509.6 | 3,350,785.3 | 228,972,201.8 | | Efectivo y Equivalentes de Efectivo | 13,984,228.7 | 9,449,600.3 | 13,287,075.3 | 3,954,203.8 | 2,438,574.0 | 1,454,536.3 | 288,114.1 | 8,703,824.6 | 432,361.9 | 136,058.7 | 389,518.5 | 678,569.3 | 55,196,665.6 | | Moneda Nacional | 5,086,505.9 | 2,457,149.7 | 3,130,594.4 | 779,298.4 | 397,338.5 | 419,870.5 | 29,064.9 | 3,186,303.5 | 66,398.0 | 37,035.4 | 229,454.0 | 250,832.3 | 16,069,845.7 | | Caja | 1,637,531.2 | 1,068,280.7 | 1,522,147.1 | 261,810.2 | 143,071.1 | 118,113.8 | 260.1 | 41,627.2 | 14,837.3 | 13,503.2 | 18,917.9 | 74,451.2 | 4,914,550.9 | | Banco Central de Nicaragua | 3,301,517.0 | 1,308,817.1 | 1,498,269.0 | 456,929.1 | 223,714.8 | 96,239.0 | 14.3 | 908,231.8 | 25,115.4 | 8.6 | 99.4 | 0.0 | 7,818,955.5 | | Instituciones Financieras | 147,457.7 | 80,051.9 | 110,178.4 | 60,559.1 | 30,552.6 | 25,514.0 | 28,790.5 | 36,444.6 | 26,445.2 | 23,523.7 | 110,393.7 | 176,381.1 | 856,292.5 | | 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 | 180,003.7 | 0.0 | 2,200,000.0 | 0.0 | 0.0 | 100,043.1 | 0.0 | 2,480,046.8 | | Moneda Extranjera | 8,897,722.8 | 6,992,450.6 | 10,156,480.9 | 3,174,905.4 | 2,041,235.5 | 1,034,665.8 | 259,049.3 | 5,517,521.1 | 365,964.0 | 99,023.3 | 160,064.4 | 427,737.0 | 39,126,820.0 | | Caja | 1,060,553.8 | 616,659.7 | 1,487,065.8 | 315,843.1 | 297,524.6 | 108,177.4 | 645.8 | 24,781.8 | 13,588.9 | 3,057.6 | 8,786.8 | 36,907.2 | 3,973,592.4 | | Banco Central de Nicaragua | 4,859,663.0 | 3,380,886.5 | 5,078,489.3 | 2,032,467.3 | 884,427.3 | 583,457.9 | 126.5 | 2,961,191.8 | 10,119.7 | 586.6 | 831.0 | 0.0 | 19,792,246.8 | | Instituciones Financieras | 2,968,804.9 | 2,744,362.7 | 3,590,925.8 | 796,406.7 | 733,243.3 | 95,248.4 | 255,018.4 | 173,984.7 | 342,255.4 | 95,379.1 | 150,446.6 | 374,533.0 | 12,320,609.0 | | Depósitos Restringidos | 8,701.1 | 250,541.7 | 0.0 | 30,188.3 | 91,242.2 | 3,355.8 | 3,258.6 | 76,507.8 | 0.0 | 0.0 | 0.0 | 0.0 | 463,795.6 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 34,798.1 | 244,426.3 | 0.0 | 2,281,055.0 | 0.0 | 0.0 | 0.0 | 16,296.8 | 2,576,576.2 | | Inversiones a Valor Razonable con Cambios en Resultados | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 476,350.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 476,350.7 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,618,271.3 | 4,891,294.9 | 7,176.3 | 269,813.7 | 1,873,043.2 | 6,750.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 8,666,349.4 | | Cartera a Costo Amortizado | 43,665,374.1 | 35,742,922.2 | 32,314,538.4 | 16,720,356.8 | 7,690,058.1 | 3,615,787.8 | 5,521,317.5 | 2,722,591.8 | 1,388,280.5 | 906,853.6 | 1,202,574.4 | 2,524,420.1 | 154,015,075.2 | | Inversiones a Costo Amortizado, Neto | 4,675,728.2 | 4,874,906.2 | 0.0 | 632,047.4 | 0.0 | 0.0 | 2,649,651.7 | 94,033.2 | 326.5 | 0.0 | 0.0 | 98,255.9 | 13,024,949.1 | | Cartera de Créditos, Neta | 38,989,645.8 | 30,868,016.0 | 32,314,538.4 | 16,088,309.4 | 7,690,058.1 | 3,615,787.8 | 2,871,665.8 | 2,628,558.6 | 1,387,954.0 | 906,853.6 | 1,202,574.4 | 2,426,164.2 | 140,990,126.1 | | Vigentes | 36,982,508.7 | 29,063,242.5 | 30,456,927.2 | 15,461,034.1 | 7,017,270.8 | 3,365,363.2 | 2,771,291.8 | 2,560,895.6 | 1,320,501.4 | 755,757.6 | 1,009,680.4 | 2,450,299.3 | 133,214,772.8 | | Prorrogados | 549,245.4 | 348,387.4 | 1,448,674.7 | 35,801.7 | 229,078.0 | 16,831.7 | 83,466.0 | 0.0 | 8,240.3 | 47,337.4 | 0.0 | 0.0 | 2,767,062.6 | | Reestructurados | 1,574,761.9 | 1,431,293.1 | 867,959.5 | 568,315.3 | 519,119.7 | 321,118.7 | 35,777.9 | 65,138.9 | 137,495.0 | 191,093.9 | 188,768.5 | 57,846.2 | 5,958,688.5 | | Vencidos | 548,147.6 | 806,404.1 | 709,965.3 | 377,700.6 | 311,420.8 | 55,987.2 | 48,579.4 | 408.6 | 77,131.3 | 95,591.0 | 109,387.9 | 136,626.3 | 3,277,350.3 | | Cobro Judicial | 270,749.0 | 329,083.0 | 365,023.1 | 201,579.3 | 11,088.0 | 53,634.6 | 6,906.4 | 18,765.4 | 0.0 | 12,717.5 | 1,471.6 | 0.0 | 1,271,017.8 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -81,989.2 | -143,175.7 | -158,765.0 | -17,297.8 | -61,308.5 | -20,788.5 | -3,323.2 | -9,857.3 | -2,139.5 | -6,080.0 | -6,186.8 | 0.0 | -510,911.5 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 668,364.1 | 591,551.9 | 398,224.5 | 184,829.1 | 151,305.5 | 78,860.0 | 53,452.9 | 45,339.7 | 29,696.5 | 39,101.5 | 78,982.4 | 137,924.2 | 2,457,632.3 | | (-) Provisión de Cartera de Créditos | -1,522,141.6 | -1,558,770.4 | -1,773,471.1 | -723,652.9 | -487,916.2 | -255,219.1 | -124,485.4 | -52,132.3 | -182,971.0 | -228,665.2 | -179,529.7 | -356,531.8 | -7,445,486.8 | | Cuentas por Cobrar, Neto | 175,251.6 | 419,535.8 | 112,713.0 | 43,291.7 | 21,871.8 | 22,727.7 | 3,985.5 | 12,260.6 | 21,800.1 | 1,096.5 | 1,443.3 | 12,611.6 | 848,589.2 | | Activos no Corrientes Mantenidos para la Venta | 32,851.1 | 0.0 | 0.0 | 23,080.7 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 55,931.8 | | Activos Recibidos en Recuperación de Créditos | 100,140.4 | 180,333.1 | 17,749.2 | 37,435.8 | 7,562.2 | 1,175.9 | 0.0 | 5,593.5 | 8,099.0 | 16,338.7 | 1,932.0 | 757.4 | 377,117.0 | | Participaciones | 247,616.6 | 1,707,689.1 | 63,048.0 | 26,888.4 | 0.0 | 0.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,045,492.0 | | Activo Material | 1,842,688.3 | 873,039.3 | 1,183,048.9 | 386,198.2 | 419,913.9 | 329,982.1 | 161,657.3 | 14,212.6 | 102,139.8 | 54,284.8 | 54,808.4 | 84,204.7 | 5,506,178.2 | | Activos Intangibles | 97,787.0 | 64,778.1 | 22,855.7 | 54,875.4 | 200,697.1 | 54,061.3 | 48,714.5 | 51,461.6 | 33,245.4 | 0.0 | 15,229.6 | 30,898.8 | 674,604.6 | | Activos Fiscales | 11,157.4 | 50,273.4 | 3,068.8 | 59,992.5 | 80,628.1 | 6,713.6 | 0.0 | 42,250.1 | 3,030.3 | 3,917.7 | 0.0 | 1,857.5 | 262,889.5 | | Otros Activos | 192,234.6 | 233,006.8 | 61,242.5 | 92,527.2 | 178,741.7 | 14,209.7 | 10,784.6 | 15,238.2 | 25,685.0 | 2,818.9 | 3,003.4 | 17,465.9 | 846,958.5 | | Pasivo | 53,324,430.6 | 44,836,786.6 | 37,363,352.5 | 19,207,535.6 | 11,045,410.7 | 4,970,048.0 | 1,449,811.3 | 10,824,097.2 | 1,525,261.4 | 951,062.0 | 1,517,316.6 | 2,859,841.3 | 189,874,954.0 | | Pasivos Financieros a Costo Amortizado | 51,692,815.6 | 41,656,405.9 | 36,492,690.4 | 18,541,846.2 | 10,513,876.2 | 4,878,433.9 | 1,363,061.6 | 10,742,349.4 | 1,458,953.2 | 807,244.8 | 1,397,183.5 | 2,530,993.2 | 182,075,854.0 | | Obligaciones con el Público | 37,982,372.3 | 28,810,926.4 | 27,437,457.3 | 11,579,154.2 | 5,449,957.3 | 3,665,434.3 | 0.0 | 10,641,120.2 | 0.0 | 0.0 | 0.0 | 0.0 | 125,566,421.8 | | Moneda Nacional | 12,797,835.8 | 7,414,389.1 | 6,159,063.3 | 1,651,721.0 | 826,757.6 | 557,907.9 | 0.0 | 2,503,737.8 | 0.0 | 0.0 | 0.0 | 0.0 | 31,911,412.4 | | Depósitos a la Vista | 6,458,309.4 | 4,054,618.1 | 3,908,148.7 | 358,324.8 | 701,482.5 | 373,841.8 | 0.0 | 1,717,712.8 | 0.0 | 0.0 | 0.0 | 0.0 | 17,572,438.2 | | Depósitos de Ahorro | 5,507,908.9 | 2,867,362.7 | 1,930,285.0 | 1,114,257.9 | 116,775.0 | 148,720.6 | 0.0 | 782,795.3 | 0.0 | 0.0 | 0.0 | 0.0 | 12,468,105.3 | | Depósitos a Plazo | 831,617.5 | 492,408.3 | 320,629.5 | 179,138.2 | 8,500.1 | 35,345.5 | 0.0 | 3,229.7 | 0.0 | 0.0 | 0.0 | 0.0 | 1,870,868.8 | | 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 | 25,005,696.6 | 21,240,073.6 | 21,136,363.2 | 9,804,670.1 | 4,586,655.6 | 3,072,285.1 | 0.0 | 8,134,440.8 | 0.0 | 0.0 | 0.0 | 0.0 | 92,980,184.9 | | Depósitos a la Vista | 7,690,925.9 | 5,328,059.4 | 6,144,696.4 | 830,509.5 | 1,443,371.0 | 569,945.3 | 0.0 | 7,449,314.5 | 0.0 | 0.0 | 0.0 | 0.0 | 29,456,822.0 | | Depósitos de Ahorro | 10,044,448.9 | 8,890,463.6 | 9,341,755.5 | 5,575,655.8 | 1,147,998.5 | 843,585.9 | 0.0 | 416,394.8 | 0.0 | 0.0 | 0.0 | 0.0 | 36,260,303.1 | | Depósitos a Plazo | 7,270,321.7 | 7,021,550.6 | 5,649,911.3 | 3,398,504.7 | 1,995,286.1 | 1,658,753.9 | 0.0 | 268,731.5 | 0.0 | 0.0 | 0.0 | 0.0 | 27,263,059.9 | | Otros Depósitos del Público | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Intereses sobre Obligaciones con el Público por Depósitos | 178,839.9 | 156,463.7 | 142,030.8 | 122,763.1 | 36,544.1 | 35,241.3 | 0.0 | 2,941.7 | 0.0 | 0.0 | 0.0 | 0.0 | 674,824.6 | | Otras Obligaciones Diversas con el Público | 304,647.4 | 335,044.6 | 327,583.3 | 77,851.9 | 47,173.2 | 103,850.4 | 2,579.2 | 92,951.5 | 2,067.0 | 1,209.5 | 0.0 | 0.0 | 1,294,958.1 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,317,412.2 | 1,814,484.5 | 4,704,967.1 | 1,482,708.1 | 1,434,860.0 | 726,755.5 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 11,481,187.4 | | Obligaciones por Emisión de Deuda | 69,254.5 | 0.0 | 0.0 | 202,147.0 | 0.0 | 0.0 | 0.0 | 0.0 | 58,725.7 | 3,273.8 | 5,539.7 | 0.0 | 338,940.8 | | Pasivos por Operaciones de Reporto | 3,912,600.5 | 1,953,042.4 | 0.0 | 540,124.6 | 355,932.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 6,761,700.1 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,601,593.3 | 8,507,896.9 | 4,022,682.7 | 4,494,353.7 | 2,903,935.7 | 359,138.9 | 1,360,482.4 | 8,277.7 | 1,398,160.4 | 802,761.5 | 1,391,643.8 | 2,530,993.2 | 35,381,920.4 | | Obligaciones con el Banco Central de Nicaragua | 504,935.4 | 235,011.1 | 0.0 | 165,506.6 | 322,017.4 | 23,254.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,250,725.3 | | 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 | 95,850.2 | 75,709.6 | 151,193.3 | 2,813.8 | 65,994.5 | 38,322.0 | 50,315.1 | 53,738.4 | 16,592.2 | 5,225.5 | 2,706.9 | 17,933.9 | 576,395.3 | | Obligaciones Subordinadas y/o Convertibles en Capital | 986,031.2 | 2,471,098.4 | 0.0 | 505,674.7 | 328,863.0 | 0.0 | 0.0 | 0.0 | 0.0 | 98,498.4 | 87,401.2 | 229,263.3 | 4,706,830.2 | | Otros Pasivos y Provisiones | 549,733.6 | 633,572.7 | 719,468.8 | 157,201.0 | 136,677.0 | 53,292.1 | 36,434.6 | 28,009.4 | 49,716.0 | 40,093.2 | 30,025.0 | 81,650.9 | 2,515,874.4 | | PATRIMONIO | 8,643,170.4 | 8,775,686.3 | 9,709,163.4 | 2,461,128.5 | 1,865,679.3 | 1,012,247.3 | 4,585,012.1 | 743,335.9 | 489,380.6 | 170,307.0 | 151,193.0 | 490,944.0 | 39,097,247.9 | | Fondos Propios | 8,509,045.4 | 8,308,604.0 | 9,352,244.1 | 2,438,429.3 | 1,648,648.7 | 945,224.8 | 4,468,747.8 | 728,456.5 | 451,988.8 | 163,964.1 | 149,955.3 | 453,524.9 | 37,618,833.8 | | Capital Social Pagado | 3,928,500.0 | 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 | 19,480,074.4 | | Aportes a Capitalizar | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 5.8 | 8,196.3 | 33,353.7 | 41,556.7 | | 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 | 455,966.6 | 293,711.2 | 69,414.5 | 377,563.1 | 26,437.3 | 39,993.8 | 13,777.9 | 5,574.3 | 8,063.9 | 6,039,315.0 | | Resultados Acumulados | 2,875,102.6 | 2,367,129.5 | 4,733,307.3 | 794,519.3 | 471,200.2 | 34,073.2 | 211,689.9 | 151,146.5 | 70,568.4 | -120,903.3 | -84,386.0 | -128,897.8 | 11,374,549.9 | | Resultado del Ejercicio | 117,834.9 | 192,366.9 | 82,967.2 | 14,383.4 | 4,034.8 | 3,345.8 | 59,746.2 | 26,272.7 | -3,605.4 | -29,276.3 | -38,929.4 | 368.0 | 429,508.8 | | Otro Resultado Integral Neto | -22,982.8 | -8,775.5 | 3,647.6 | -7,187.0 | -17,020.6 | 0.0 | 85,330.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4,241.5 | 37,253.2 | | Ajustes de Transición | 157,107.9 | 475,857.8 | 353,271.8 | 29,886.2 | 234,051.3 | 67,022.5 | 30,934.3 | 14,879.4 | 37,391.8 | 6,342.8 | 1,237.7 | 33,177.5 | 1,441,160.9 | | CUENTAS CONTINGENTES | 21,444,743.7 | 12,551,467.3 | 8,384,125.2 | 1,504,672.0 | 5,803,994.0 | 188,980.1 | 0.0 | 222,870.9 | 0.0 | 0.0 | 5,547.2 | 0.0 | 50,106,400.5 | | CUENTAS DE ORDEN | 96,161,579.9 | 51,194,745.8 | 281,084,494.1 | 63,830,978.1 | 19,228,543.6 | 14,004,021.5 | 8,701,470.4 | 82,748,429.7 | 2,369,473.7 | 3,467,179.1 | 2,322,055.0 | 3,118,832.9 | 628,231,803.6 |
| | 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 28 DE FEBRERO DE 2019 C$ 32.5865 X US$ 1.00 | |
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