| | 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 | 62,399,414.6 | 54,651,433.1 | 46,638,626.3 | 20,878,499.9 | 13,431,863.2 | 5,738,101.2 | 6,041,804.7 | 7,345,242.9 | 1,945,732.0 | 1,022,153.1 | 1,513,571.1 | 2,934,781.3 | 224,541,223.2 | | Efectivo y Equivalentes de Efectivo | 16,046,438.0 | 10,299,248.0 | 15,794,436.9 | 4,083,705.6 | 3,309,436.2 | 2,147,694.5 | 324,137.5 | 5,081,599.5 | 493,413.0 | 199,547.6 | 281,179.4 | 576,545.9 | 58,637,382.2 | | Moneda Nacional | 6,211,434.8 | 2,686,397.1 | 3,779,111.8 | 771,578.4 | 558,825.0 | 606,222.3 | 9,556.6 | 2,069,792.7 | 72,346.0 | 25,022.2 | 197,321.3 | 235,131.8 | 17,222,740.0 | | Caja | 1,570,641.3 | 1,014,555.1 | 1,520,204.1 | 233,715.4 | 149,137.6 | 135,362.5 | 227.6 | 43,917.2 | 13,303.0 | 9,769.9 | 18,357.1 | 64,949.5 | 4,774,140.2 | | Banco Central de Nicaragua | 3,590,412.0 | 1,565,192.5 | 2,154,655.0 | 489,817.2 | 391,016.7 | 119,229.9 | 10.1 | 2,023,785.5 | 17,599.1 | 8.4 | 103.7 | 0.0 | 10,351,830.1 | | Instituciones Financieras | 155,498.7 | 106,649.5 | 104,252.8 | 48,045.7 | 18,670.7 | 15,618.7 | 9,318.9 | 2,090.0 | 41,444.0 | 15,243.8 | 126,792.5 | 170,182.4 | 813,807.8 | | 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 | 894,882.7 | 0.0 | 0.0 | 0.0 | 0.0 | 336,011.2 | 0.0 | 0.0 | 0.0 | 0.0 | 52,068.0 | 0.0 | 1,282,961.9 | | Moneda Extranjera | 9,835,003.3 | 7,612,850.9 | 12,015,325.1 | 3,312,127.2 | 2,750,611.2 | 1,541,472.3 | 314,580.9 | 3,011,806.8 | 421,067.0 | 174,525.4 | 83,858.1 | 341,414.0 | 41,414,642.2 | | Caja | 1,010,362.5 | 554,150.4 | 1,613,283.0 | 289,286.3 | 296,814.9 | 316,292.5 | 679.4 | 107,201.4 | 11,661.5 | 3,305.4 | 10,204.6 | 33,364.3 | 4,246,606.3 | | Banco Central de Nicaragua | 4,564,598.1 | 3,497,575.8 | 6,011,536.9 | 1,988,575.7 | 871,930.7 | 434,730.7 | 3,136.3 | 2,806,554.9 | 12,206.9 | 16.5 | 841.2 | 0.0 | 20,191,703.7 | | Instituciones Financieras | 4,242,355.1 | 3,313,237.9 | 4,390,505.2 | 1,003,528.5 | 1,458,746.2 | 92,663.3 | 307,466.2 | 98,050.5 | 397,198.6 | 171,203.5 | 72,812.3 | 308,049.8 | 15,855,816.8 | | Depósitos Restringidos | 17,687.7 | 247,886.8 | 0.0 | 30,736.7 | 92,371.2 | 3,416.7 | 3,299.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 395,397.9 | | Equivalentes de Efectivo | 0.0 | 0.0 | 0.0 | 0.0 | 30,748.3 | 694,369.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 725,117.4 | | 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 | 0.0 | 0.0 | | Inversiones a Valor Razonable con Cambios en Otro Resultado Integral | 1,640,888.0 | 8,561,121.8 | 7,176.3 | 274,602.8 | 6,750.0 | 6,750.0 | 250.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,497,538.9 | | Cartera a Costo Amortizado | 42,060,962.1 | 32,072,180.4 | 29,400,694.5 | 15,767,754.8 | 9,203,469.8 | 3,177,755.9 | 5,499,351.7 | 2,151,293.2 | 1,250,517.3 | 742,893.4 | 1,161,637.4 | 2,194,538.4 | 144,683,049.0 | | Inversiones a Costo Amortizado, Neto | 4,936,802.3 | 4,355,565.6 | 0.0 | 645,457.0 | 1,931,315.9 | 0.0 | 2,762,281.0 | 1,488.1 | 330.7 | 0.0 | 0.0 | 99,488.6 | 14,732,729.1 | | Cartera de Créditos, Neta | 37,124,159.7 | 27,716,614.8 | 29,400,694.5 | 15,122,297.8 | 7,272,153.9 | 3,177,755.9 | 2,737,070.8 | 2,149,805.0 | 1,250,186.7 | 742,893.4 | 1,161,637.4 | 2,095,049.7 | 129,950,319.8 | | Vigentes | 35,386,628.6 | 26,003,166.2 | 27,229,406.3 | 14,461,870.9 | 6,554,744.6 | 2,858,274.1 | 2,813,827.8 | 2,079,322.3 | 1,105,374.9 | 618,393.3 | 953,367.1 | 1,969,163.7 | 122,033,539.8 | | Prorrogados | 176,591.3 | 154,681.9 | 970,038.5 | 3,891.3 | 115,107.7 | 18,376.3 | 925.8 | 0.0 | 2,872.5 | 7,733.5 | 0.0 | 0.0 | 1,450,218.7 | | Reestructurados | 1,613,385.1 | 1,779,968.2 | 1,489,617.7 | 626,282.8 | 639,417.5 | 392,718.4 | 58,891.9 | 26,969.5 | 232,987.9 | 181,679.8 | 216,068.4 | 200,215.1 | 7,458,202.5 | | Vencidos | 618,805.3 | 650,652.4 | 920,344.0 | 335,761.3 | 301,110.3 | 58,482.9 | 2,928.4 | 45,673.0 | 84,076.6 | 82,208.1 | 168,238.9 | 247,843.1 | 3,516,124.4 | | Cobro Judicial | 393,966.4 | 376,064.0 | 477,495.3 | 156,200.0 | 13,848.2 | 41,057.0 | 38,418.7 | 18,997.6 | 0.0 | 23,191.4 | 857.3 | 0.0 | 1,540,095.9 | | (-) Comisiones Devengadas con la Tasa de Interés Efectiva | -80,857.4 | -127,174.0 | -147,139.7 | -15,543.9 | -23,723.3 | -17,529.5 | -2,885.6 | -6,283.4 | -1,745.1 | -4,559.7 | -9,199.1 | 0.0 | -436,640.5 | | Intereses y Comisiones por Cobrar sobre Cartera de Créditos | 648,322.5 | 498,734.1 | 319,706.5 | 177,207.4 | 139,820.4 | 63,897.6 | 42,857.9 | 45,621.5 | 27,484.7 | 22,944.3 | 60,556.7 | 84,688.7 | 2,131,842.3 | | (-) Provisión de Cartera de Créditos | -1,632,682.0 | -1,619,478.0 | -1,858,774.1 | -623,371.9 | -468,171.5 | -237,521.0 | -217,894.2 | -60,495.5 | -200,864.8 | -188,697.4 | -228,251.8 | -406,860.9 | -7,743,063.2 | | Cuentas por Cobrar, Neto | 199,387.2 | 582,845.6 | 122,640.4 | 56,911.9 | 77,704.2 | 22,935.3 | 3,121.8 | 16,859.4 | 26,695.5 | 1,281.0 | 1,410.3 | 24,640.2 | 1,136,432.9 | | Activos no Corrientes Mantenidos para la Venta | 8,291.0 | 0.0 | 0.0 | 16,800.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 25,091.9 | | Activos Recibidos en Recuperación de Créditos | 123,787.0 | 223,828.5 | 24,098.5 | 50,639.7 | 7,562.1 | 3,557.1 | 0.0 | 2,980.0 | 7,691.0 | 17,200.3 | 1,925.6 | 820.7 | 464,090.6 | | Participaciones | 247,616.6 | 1,660,087.6 | 64,547.7 | 29,306.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 2,001,558.0 | | Activo Material | 1,776,451.7 | 852,436.3 | 1,165,752.8 | 381,358.5 | 430,582.4 | 303,425.2 | 159,471.4 | 9,938.7 | 114,133.9 | 52,493.8 | 50,779.2 | 80,787.5 | 5,377,611.5 | | Activos Intangibles | 112,928.2 | 62,308.7 | 20,052.8 | 51,448.2 | 152,362.3 | 52,937.1 | 46,715.0 | 48,370.3 | 31,643.6 | 0.0 | 12,780.2 | 25,663.5 | 617,209.9 | | Activos Fiscales | 7,810.2 | 95,369.3 | 139.2 | 63,689.3 | 84,087.2 | 6,949.2 | 0.0 | 18,965.0 | 12,238.5 | 4,442.1 | 0.0 | 14,649.8 | 308,339.8 | | Otros Activos | 174,854.7 | 242,007.0 | 39,087.2 | 102,281.9 | 159,908.8 | 16,096.8 | 8,757.3 | 15,236.8 | 9,399.1 | 4,294.8 | 3,858.9 | 17,135.3 | 792,918.6 | | Pasivo | 53,572,042.2 | 45,604,739.6 | 36,640,411.1 | 18,401,192.4 | 11,556,777.8 | 4,738,282.8 | 1,456,740.5 | 6,596,514.8 | 1,489,858.5 | 871,262.0 | 1,357,419.9 | 2,482,969.4 | 184,768,211.0 | | Pasivos Financieros a Costo Amortizado | 51,848,021.1 | 42,369,587.4 | 35,627,024.0 | 17,777,604.3 | 10,931,947.9 | 4,650,193.3 | 1,373,648.8 | 6,502,521.5 | 1,420,437.8 | 718,615.2 | 1,274,743.5 | 2,222,647.7 | 176,716,992.5 | | Obligaciones con el Público | 37,152,805.8 | 29,717,079.7 | 27,164,014.2 | 11,350,323.6 | 5,923,145.1 | 3,687,267.9 | 0.0 | 6,476,317.9 | 0.0 | 0.0 | 0.0 | 0.0 | 121,470,954.2 | | Moneda Nacional | 13,326,014.3 | 7,799,168.0 | 6,583,944.6 | 1,604,076.8 | 1,116,760.5 | 735,371.0 | 0.0 | 1,537,689.2 | 0.0 | 0.0 | 0.0 | 0.0 | 32,703,024.4 | | Depósitos a la Vista | 7,074,016.1 | 4,493,453.8 | 4,277,481.5 | 343,916.9 | 961,420.7 | 544,360.7 | 0.0 | 846,512.9 | 0.0 | 0.0 | 0.0 | 0.0 | 18,541,162.7 | | Depósitos de Ahorro | 5,300,864.9 | 2,827,418.9 | 2,018,315.3 | 1,107,633.0 | 138,902.4 | 161,030.0 | 0.0 | 689,948.8 | 0.0 | 0.0 | 0.0 | 0.0 | 12,244,113.3 | | Depósitos a Plazo | 951,133.3 | 478,295.3 | 288,147.8 | 152,526.8 | 16,437.4 | 29,980.3 | 0.0 | 1,227.5 | 0.0 | 0.0 | 0.0 | 0.0 | 1,917,748.4 | | 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 | 23,643,258.6 | 21,764,962.1 | 20,452,895.1 | 9,635,122.2 | 4,767,699.0 | 2,919,170.1 | 0.0 | 4,937,585.4 | 0.0 | 0.0 | 0.0 | 0.0 | 88,120,692.5 | | Depósitos a la Vista | 6,517,489.6 | 6,096,464.3 | 6,108,641.2 | 836,334.8 | 1,579,945.9 | 565,117.2 | 0.0 | 3,515,936.2 | 0.0 | 0.0 | 0.0 | 0.0 | 25,219,929.2 | | Depósitos de Ahorro | 10,055,650.3 | 8,902,968.0 | 9,405,004.8 | 5,590,243.4 | 1,220,411.4 | 924,664.6 | 0.0 | 1,389,220.4 | 0.0 | 0.0 | 0.0 | 0.0 | 37,488,162.8 | | Depósitos a Plazo | 7,070,118.7 | 6,765,529.8 | 4,939,249.1 | 3,208,543.9 | 1,967,341.8 | 1,429,388.3 | 0.0 | 32,428.9 | 0.0 | 0.0 | 0.0 | 0.0 | 25,412,600.5 | | 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 | 183,532.9 | 152,949.6 | 127,174.4 | 111,124.6 | 38,685.6 | 32,726.9 | 0.0 | 1,043.2 | 0.0 | 0.0 | 0.0 | 0.0 | 647,237.3 | | Otras Obligaciones Diversas con el Público | 847,329.9 | 340,403.7 | 331,686.0 | 51,621.1 | 37,561.4 | 40,131.7 | 2,445.3 | 17,664.5 | 2,466.8 | 1,294.5 | 0.0 | 0.0 | 1,672,604.8 | | Obligaciones por Depósitos de Instituciones Financieras y de Organismos Internacionales | 1,505,221.8 | 1,672,072.3 | 4,368,186.7 | 1,106,398.5 | 1,477,351.1 | 651,509.9 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 10,780,740.4 | | Obligaciones por Emisión de Deuda | 70,111.4 | 0.0 | 0.0 | 190,386.9 | 0.0 | 0.0 | 0.0 | 0.0 | 13,226.4 | 0.0 | 0.0 | 0.0 | 273,724.7 | | Pasivos por Operaciones de Reporto | 4,154,444.0 | 2,578,289.5 | 0.0 | 656,219.2 | 505,681.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 7,894,633.9 | | Obligaciones con Instituciones Financieras y por otros Financiamientos | 7,563,738.8 | 7,909,082.9 | 3,763,137.2 | 4,232,798.6 | 2,651,787.7 | 247,727.0 | 1,371,203.5 | 8,539.2 | 1,404,744.6 | 717,320.7 | 1,274,743.5 | 2,222,647.7 | 33,367,471.3 | | Obligaciones con el Banco Central de Nicaragua | 554,369.4 | 152,659.3 | 0.0 | 189,856.4 | 336,421.4 | 23,556.8 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1,256,863.2 | | Arrendamiento Financiero | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 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 | 101,050.6 | 131,350.3 | 167,515.5 | 16,521.0 | 60,804.4 | 35,269.7 | 50,961.6 | 23,186.8 | 18,415.1 | 5,617.6 | 3,353.0 | 19,257.2 | 633,302.7 | | Obligaciones Subordinadas y/o Convertibles en Capital | 1,024,441.3 | 2,494,968.6 | 0.0 | 428,813.7 | 339,468.7 | 0.0 | 0.0 | 0.0 | 0.0 | 100,645.4 | 49,769.4 | 160,383.1 | 4,598,490.3 | | Otros Pasivos y Provisiones | 598,529.2 | 608,833.3 | 845,871.6 | 178,253.5 | 224,556.9 | 52,819.8 | 32,130.1 | 70,806.5 | 51,005.7 | 46,383.8 | 29,554.0 | 80,681.4 | 2,819,425.6 | | PATRIMONIO | 8,827,372.4 | 9,046,693.4 | 9,998,215.1 | 2,477,307.4 | 1,875,085.3 | 999,818.4 | 4,585,064.3 | 748,728.1 | 455,873.5 | 150,891.1 | 156,151.2 | 451,811.9 | 39,773,012.2 | | Fondos Propios | 8,691,213.1 | 8,568,788.8 | 9,641,295.8 | 2,463,476.3 | 1,651,764.6 | 945,872.8 | 4,468,800.0 | 733,848.8 | 418,481.7 | 144,548.3 | 154,910.6 | 414,392.8 | 38,297,393.3 | | 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 | 3,748,993.2 | 524,600.0 | 345,032.0 | 300,360.0 | 259,500.1 | 597,815.8 | 19,720,326.5 | | Aportes a Capitalizar | 0.0 | 0.6 | 0.0 | 0.0 | 0.0 | 0.3 | 0.0 | 0.0 | 0.0 | 5.8 | 93,614.9 | 45,305.4 | 138,927.0 | | Obligaciones Convertibles en Capital | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | | Capital Donado | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 253,929.6 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 253,929.6 | | Reservas Patrimoniales | 1,587,607.8 | 1,676,386.5 | 1,680,969.5 | 455,966.6 | 293,711.2 | 69,414.5 | 409,316.6 | 27,360.8 | 39,993.8 | 13,777.9 | 5,574.3 | 8,063.9 | 6,268,143.5 | | Resultados Acumulados | 2,875,102.6 | 2,170,978.0 | 4,733,307.3 | 799,798.2 | 471,200.2 | 33,533.3 | 0.0 | 150,223.1 | 80,130.6 | -120,903.3 | -84,386.0 | -115,389.0 | 10,993,595.0 | | Resultado del Ejercicio | 300,002.6 | 452,551.7 | 372,018.9 | 34,151.5 | 7,150.7 | 4,533.7 | 56,560.6 | 31,664.9 | -46,674.7 | -48,692.1 | -119,392.7 | -121,403.3 | 922,471.7 | | Otro Resultado Integral Neto | -20,948.6 | 1,669.3 | 3,647.6 | -4,050.4 | 0.0 | 0.0 | 61,186.3 | 0.0 | 0.0 | 0.0 | 0.0 | 4,241.5 | 45,745.7 | | Ajustes de Transición | 157,107.9 | 476,235.4 | 353,271.8 | 17,881.6 | 223,320.7 | 53,945.6 | 55,078.0 | 14,879.4 | 37,391.8 | 6,342.8 | 1,240.6 | 33,177.5 | 1,429,873.2 | | CUENTAS CONTINGENTES | 18,842,885.6 | 11,895,049.8 | 7,938,899.0 | 1,161,782.7 | 5,578,898.3 | 173,437.8 | 0.0 | 119,080.4 | 0.0 | 0.0 | 13,435.0 | 0.0 | 45,723,468.5 | | CUENTAS DE ORDEN | 91,936,099.1 | 49,753,060.0 | 267,696,899.4 | 63,777,672.3 | 19,620,716.1 | 13,630,226.3 | 8,749,245.4 | 3,079,002.1 | 2,327,334.7 | 3,344,934.4 | 2,439,059.2 | 3,271,651.4 | 529,625,900.2 |
| | 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 MAYO DE 2019 C$ 32.9897 X US$ 1.00 | |
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